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   "decimals": -6,
   "dimensions": {
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    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:EUR"
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  "fact-513": {
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   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProceedsFromSalesOfInterestsInAssociates",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2021-01-01T00:00:00/2022-01-01T00:00:00",
    "unit": "iso4217:EUR"
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  "fact-514": {
   "value": "61000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:EUR"
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  },
  "fact-515": {
   "value": "34000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2021-01-01T00:00:00/2022-01-01T00:00:00",
    "unit": "iso4217:EUR"
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  },
  "fact-516": {
   "value": "49000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities",
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    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:EUR"
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  },
  "fact-517": {
   "value": "29000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2021-01-01T00:00:00/2022-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "fact-518": {
   "value": "344000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:EUR"
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  },
  "fact-519": {
   "value": "384000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2021-01-01T00:00:00/2022-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "fact-520": {
   "value": "-629000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CashFlowsFromUsedInInvestingActivities",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "fact-521": {
   "value": "-380000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CashFlowsFromUsedInInvestingActivities",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2021-01-01T00:00:00/2022-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "fact-522": {
   "value": "0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProceedsFromIssueOfSubordinatedLiabilities",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:EUR"
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  },
  "fact-523": {
   "value": "2810000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProceedsFromIssueOfSubordinatedLiabilities",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2021-01-01T00:00:00/2022-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "fact-524": {
   "value": "939000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:RepaymentsOfSubordinatedLiabilities",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "fact-525": {
   "value": "3247000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:RepaymentsOfSubordinatedLiabilities",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2021-01-01T00:00:00/2022-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "fact-526": {
   "value": "-2841000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProceedsFromSaleOrIssueOfTreasuryShares",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "fact-527": {
   "value": "-1136000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProceedsFromSaleOrIssueOfTreasuryShares",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2021-01-01T00:00:00/2022-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "fact-528": {
   "value": "2655000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:DividendsPaidClassifiedAsFinancingActivities",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "fact-529": {
   "value": "3192000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:DividendsPaidClassifiedAsFinancingActivities",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2021-01-01T00:00:00/2022-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "fact-530": {
   "value": "26000000",
   "decimals": -6,
   "dimensions": {
    "concept": "nordea:BetaldRantaPaOvrigtPrimarkapital",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:EUR"
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  },
  "fact-531": {
   "value": "26000000",
   "decimals": -6,
   "dimensions": {
    "concept": "nordea:BetaldRantaPaOvrigtPrimarkapital",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2021-01-01T00:00:00/2022-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "fact-532": {
   "value": "123000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:PaymentsOfLeaseLiabilitiesClassifiedAsFinancingActivities",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "fact-533": {
   "value": "140000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:PaymentsOfLeaseLiabilitiesClassifiedAsFinancingActivities",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2021-01-01T00:00:00/2022-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "fact-534": {
   "value": "-6584000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CashFlowsFromUsedInFinancingActivities",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "fact-535": {
   "value": "-4931000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CashFlowsFromUsedInFinancingActivities",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2021-01-01T00:00:00/2022-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "fact-536": {
   "value": "14762000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseInCashAndCashEquivalents",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "fact-537": {
   "value": "12281000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseInCashAndCashEquivalents",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2021-01-01T00:00:00/2022-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "fact-538": {
   "value": "48628000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:529900ODI3047E2LIV03",
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    "unit": "iso4217:EUR"
   }
  },
  "fact-539": {
   "value": "36203000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2021-01-01T00:00:00",
    "unit": "iso4217:EUR"
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  },
  "fact-540": {
   "value": "-513000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "fact-541": {
   "value": "144000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2021-01-01T00:00:00/2022-01-01T00:00:00",
    "unit": "iso4217:EUR"
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  },
  "fact-542": {
   "value": "62877000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:EUR"
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  },
  "fact-543": {
   "value": "48628000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "fact-544": {
   "value": "14762000000",
   "decimals": -6,
   "dimensions": {
    "concept": "nordea:Foeraendring",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "fact-545": {
   "value": "12281000000",
   "decimals": -6,
   "dimensions": {
    "concept": "nordea:Foeraendring",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2021-01-01T00:00:00/2022-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "fact-17": {
   "value": "254000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:PurchaseOfInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethod",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "fact-18": {
   "value": "-283000000",
   "decimals": -6,
   "dimensions": {
    "concept": "nordea:K\u00f6peskilling",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "fact-19": {
   "value": "-29000000",
   "decimals": -6,
   "dimensions": {
    "concept": "nordea:Kassabeh\u00e5llning",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "fact-546": {
   "value": "K1 Redo<span class=\"__8 _310\"/>visningsprinciper<span class=\"__8 _331\"> </span>F<span class=\"__8 _310\"/>\u00f6retagsinf<span class=\"__8 _310\"/>ormation<span class=\"__8 _331\"> </span>Nordea Bank Abp<span class=\"__8 _310\"/>, tillsammans med sina konsolider<span class=\"__8 _310\"/>ade dot-<span class=\"__8 _331\"> </span>terf\u00f6ret<span class=\"__8 _310\"/>ag (Nordeakoncernen), \u00e4r en ledande f<span class=\"__8 _310\"/>ullservicebank<span class=\"__8 _331\"> </span> i Norden. Moderf\u00f6r<span class=\"__8 _310\"/>etaget Nordea Bank <span class=\"__8 _310\"/>Abp \u00e4r registrer<span class=\"__8 _310\"/>at<span class=\"__8 _331\"> </span> enligt \ufb01nsk r\u00e4tt, med huvudkont<span class=\"__8 _310\"/>or i Helsingfors, Finland.<span class=\"__8 _331\"> </span> Nordea Bank Abp:s s<span class=\"__8 _310\"/>tamak<span class=\"__8 _310\"/>tier \u00e4r noterade p\u00e5 Nas<span class=\"__8 _310\"/>daq Nordic,<span class=\"__8 _331\"> </span> b\u00f6rserna i Helsingfors (i euro<span class=\"__8 _310\"/>), Stockholm (i svenska kronor)<span class=\"__8 _331\"> </span> och K\u00f6penhamn (i danska kronor), och de<span class=\"__8 _310\"/>ss American Depo-<span class=\"__8 _331\"> </span><span class=\"__8 _331\">sitory Receipts handlas i US</span><span class=\"__8 _310\"/>A i US-dollar<span class=\"__8 _312\"/>.<span class=\"__8 _331\"> </span>Nordeakoncernen har ett om<span class=\"__8 _310\"/>fa<span class=\"__8 _310\"/>ttande utbud a<span class=\"__8 _310\"/>v \ufb01nansiella<span class=\"__8 _331\"> </span> produkt<span class=\"__8 _310\"/>er och tj\u00e4nster till priv<span class=\"__8 _310\"/>at- och f<span class=\"__8 _310\"/>\u00f6retagskunder<span class=\"__8 _312\"/>, d\u00e4ri-<span class=\"__8 _331\"> </span>bland andra \ufb01nansinstitut. Nordeakoncernens br<span class=\"__8 _310\"/>eda utbud av<span class=\"__8 _331\"> </span> produkt<span class=\"__8 _310\"/>er och tj\u00e4nster till priv<span class=\"__8 _310\"/>atkunder innef<span class=\"__8 _310\"/>attar bol\u00e5n och<span class=\"__8 _331\"> </span> konsumtionsl\u00e5n, kr<span class=\"__8 _310\"/>edit- och bankkort, sparprodukter sam<span class=\"__8 _310\"/>t<span class=\"__8 _331\"> </span> liv- och pensionsf\u00f6rs\u00e4kringar<span class=\"__8 _312\"/>. Nordeakoncernen har ocks\u00e5 ett<span class=\"__8 _331\"> </span> brett utbud a<span class=\"__8 _310\"/>v produk<span class=\"__8 _310\"/>ter och tj\u00e4nster till f<span class=\"__8 _310\"/>\u00f6retagsk<span class=\"__8 _310\"/>under som<span class=\"__8 _331\"> </span> innefa<span class=\"__8 _310\"/>ttar f\u00f6r<span class=\"__8 _310\"/>etagsl\u00e5n, likviditetshan<span class=\"__8 _310\"/>tering, betalningar och<span class=\"__8 _331\"> </span> kont<span class=\"__8 _310\"/>on, riskhantering, r<span class=\"__8 _310\"/><span class=\"__8 _331\">\u00e5dgivning, kapitalanskaff</span><span class=\"__8 _310\"/>ning och lik-<span class=\"__8 _331\"> </span>viditetsf\u00f6rs<span class=\"__8 _310\"/>t\u00e4rkning via skuldinstrumen<span class=\"__8 _310\"/>t och ak<span class=\"__8 _310\"/>tieemissioner<span class=\"__8 _312\"/>,<span class=\"__8 _331\"> </span> corpora<span class=\"__8 _310\"/>te \ufb01nance, kapitalf<span class=\"__8 _310\"/>\u00f6rvaltning f<span class=\"__8 _310\"/>\u00f6r institutionella kunder<span class=\"__8 _331\"> </span> samt liv- och pensionsf<span class=\"__8 _310\"/>\u00f6rs\u00e4kringar f\u00f6r f<span class=\"__8 _310\"/>\u00f6retag. Nor<span class=\"__8 _310\"/>deakoncer-<span class=\"__8 _331\"> </span>nen s\u00e4ljer ocks\u00e5 skadef\u00f6rs\u00e4kringar<span class=\"__8 _312\"/>.  F\u00f6retagsin<span class=\"__8 _310\"/>formation<span class=\"__8 _331\"> </span>Namn p\u00e5 f\u00f6retaget<span class=\"__8 _332\"> </span>Nordea Bank Abp (F<span class=\"__8 _310\"/>O-nummer<span class=\"__8 _331\"> </span>2858394-9)<span class=\"__8 _331\"> </span>F\u00f6ret<span class=\"__8 _310\"/>agets s\u00e4te<span class=\"__8 _333\"> </span>Helsingfors, Finland<span class=\"__8 _331\"> </span>F\u00f6ret<span class=\"__8 _310\"/>agets r\u00e4ttsliga f<span class=\"__8 _310\"/>orm <span class=\"__8 _334\"> </span>Ett publik<span class=\"__8 _310\"/>t aktiebolag<span class=\"__8 _331\"> </span>F\u00f6ret<span class=\"__8 _310\"/>agets r\u00e4ttsliga hemvis<span class=\"__8 _310\"/>t<span class=\"__8 _bf_1\"> </span>Finland<span class=\"__8 _331\"> </span>Adress till f<span class=\"__8 _310\"/>\u00f6retagets huvudkon<span class=\"__8 _310\"/>tor<span class=\"__8 _bd_1\"> </span>Hamnbanegatan<span class=\"__8 _331\"> </span>(Satamaradanka<span class=\"__8 _310\"/>tu) 5, FI-00020,<span class=\"__8 _331\"> </span> Nordea, Helsingfors, Finland<span class=\"__8 _331\"> </span>Huvudsakligt verksamhetsst\u00e4lle<span class=\"__8 _a8_1\"> </span>Norden<span class=\"__8 _331\"> </span>Beskrivning av v<span class=\"__8 _310\"/>erksamhetens<span class=\"__8 _331\"> </span> karakt<span class=\"__8 _310\"/>\u00e4r och huvudsakliga<span class=\"__8 _331\"> </span> aktiviteter<span class=\"__8 _331\"> </span>Finansiella produkt<span class=\"__8 _310\"/>er och tj\u00e4nster<span class=\"__8 _331\"> </span> till privat- och f<span class=\"__8 _310\"/>\u00f6retagskunder<span class=\"__8 _312\"/>,<span class=\"__8 _331\"> </span> d\u00e4ribland andra \ufb01nansinstitut.<span class=\"__8 _331\"> </span>Namn p\u00e5 moderf\u00f6retaget<span class=\"__8 _335\"> </span><span class=\"ws63_2\">Nordea Bank Abp<span class=\"__8 _331\"> </span></span>Grunder f\u00f6r pr<span class=\"__8 _310\"/>esenta<span class=\"__8 _310\"/>tionen<span class=\"__8 _331\"> </span>Nordeas koncernr<span class=\"__8 _310\"/>edovisning har uppr\u00e4<span class=\"__8 _310\"/>ttats i enlighet med<span class=\"__8 _331\"> </span> Interna<span class=\"__8 _310\"/>tional Financial Reporting Standards (IFRS) som god-<span class=\"__8 _331\"> </span>k\u00e4nts a<span class=\"__8 _310\"/>v EU-kommissionen. Vidar<span class=\"__8 _310\"/>e har vissa kompletterande<span class=\"__8 _331\"> </span>regler i enlighet med \ufb01nska bokf<span class=\"__8 _310\"/>\u00f6ringslagen, \ufb01nska kreditin-<span class=\"__8 _331\"> </span>stitutslagen, \ufb01nska Finansinspek<span class=\"__8 _310\"/>tionens f\u00f6r<span class=\"__8 _310\"/>eskrifter och all-<span class=\"__8 _331\"> </span>m\u00e4nna r\u00e5d sam<span class=\"__8 _310\"/>t beslut a<span class=\"__8 _310\"/>v det \ufb01nska Finansministeriets f<span class=\"__8 _310\"/>\u00f6r-<span class=\"__8 _331\"> </span>ordning om bokslut och konc<span class=\"__8 _310\"/>ernredovisning i kreditins<span class=\"__8 _310\"/>titut<span class=\"__8 _331\"> </span> och v\u00e4rdepappersf<span class=\"__8 _310\"/>\u00f6retag ocks\u00e5 till\u00e4mpats.<span class=\"__8 _331\"> </span>De till\u00e4ggsupplysningar som kr<span class=\"__8 _310\"/>\u00e4vs enligt o<span class=\"__8 _310\"/>van n\u00e4mnda<span class=\"__8 _331\"> </span> standarder<span class=\"__8 _312\"/>, rekommendationer och lags<span class=\"__8 _310\"/>tiftning \u00e5ter\ufb01nns i<span class=\"__8 _331\"> </span> noterna, i kapitlet K<span class=\"__8 _310\"/>apitalhant<span class=\"__8 _310\"/>ering samt i andra delar a<span class=\"__8 _312\"/>v de<span class=\"__8 _331\"> </span> \ufb01nansiella rapporterna.<span class=\"__8 _331\"> </span>Den 22 februari 2023 godk\u00e4nde styr<span class=\"__8 _310\"/>elsen \u00e5rsredovisningen,<span class=\"__8 _331\"> </span> som slutligt ska f<span class=\"__8 _310\"/>astst\u00e4llas a<span class=\"__8 _312\"/>v den ordinarie bolagsst\u00e4mman<span class=\"__8 _331\"> </span> den 23 mars 2023.<span class=\"__8 _331\"> </span> Redovisningsprinciperna, ber<span class=\"__8 _310\"/>\u00e4kningsmetoderna och pre-<span class=\"__8 _331\"> </span>senta<span class=\"__8 _310\"/>tionen \u00e4r of<span class=\"__8 _310\"/>\u00f6r\u00e4ndrade j\u00e4m<span class=\"__8 _310\"/>f\u00f6rt med \u00e5rsredovisningen<span class=\"__8 _331\"> </span> 2021, med undantag f<span class=\"__8 _310\"/>\u00f6r de \u00e4ndringar som beskrivs nedan i<span class=\"__8 _331\"> </span> avsnitt<span class=\"__8 _310\"/>et \u201dF\u00f6r<span class=\"__8 _310\"/>\u00e4ndrade redo<span class=\"__8 _310\"/>visningsprinciper och f\u00f6r<span class=\"__8 _310\"/>\u00e4ndrad<span class=\"__8 _331\"> </span> presen<span class=\"__8 _310\"/>tation\u201d<span class=\"__8 _a_7\"/>.<span class=\"__8 _331\"> </span> Alla belopp redovisas i miljoner euro<span class=\"__8 _310\"/>, om inget annat<span class=\"__8 _331\"> </span> anges.<span class=\"__8 _331\"> </span>F<span class=\"__8 _310\"/>\u00f6r\u00e4ndrade r<span class=\"__8 _310\"/>edovisningsprinciper<span class=\"__8 _331\"> </span> och f\u00f6r<span class=\"__8 _310\"/>\u00e4ndrad pres<span class=\"__8 _310\"/>enta<span class=\"__8 _310\"/>tion<span class=\"__8 _331\"> </span>Nya redo<span class=\"__8 _310\"/>visningsprinciper och f\u00f6r<span class=\"__8 _310\"/>\u00e4ndringar i presen<span class=\"__8 _310\"/>tationen<span class=\"__8 _331\"> </span> inf<span class=\"__8 _310\"/>\u00f6rdes under 2022. Deras in<span class=\"__8 _310\"/>verkan p\u00e5 Nordeas r<span class=\"__8 _310\"/>edovisning,<span class=\"__8 _331\"> </span> beskrivs nedan.<span class=\"__8 _331\"> </span>F\u00f6r<span class=\"__8 _310\"/>\u00e4ndrad pres<span class=\"__8 _310\"/>enta<span class=\"__8 _310\"/>tion av lags<span class=\"__8 _310\"/>tadgade a<span class=\"__8 _310\"/>vgifter<span class=\"__8 _331\"> </span>Under 2022 b\u00f6rjade Nordea redovisa r<span class=\"__8 _310\"/>esolutionsa<span class=\"__8 _310\"/>vgifter och<span class=\"__8 _331\"> </span> den svenska bankskatt<span class=\"__8 _310\"/>en separat p\u00e5 den n<span class=\"__8 _310\"/>ya raden \u201dL<span class=\"__8 _310\"/>agstad-<span class=\"__8 _331\"> </span>gade av<span class=\"__8 _310\"/>gifter<span class=\"__8 _311\"/>\u201d i resulta<span class=\"__8 _310\"/>tr\u00e4kningen. Den tidigare principen v<span class=\"__8 _310\"/>ar<span class=\"__8 _331\"> </span> att redo<span class=\"__8 _310\"/>visa liknande kostnader p\u00e5 raden \u201d\u00d6vriga k<span class=\"__8 _310\"/>ostnader<span class=\"__8 _311\"/>\u201d<span class=\"__8 _312\"/>.<span class=\"__8 _331\"> </span> Den nya pr<span class=\"__8 _310\"/>esenta<span class=\"__8 _310\"/>tionen ger en tydligare bild a<span class=\"__8 _312\"/>v Nordeas<span class=\"__8 _331\"> </span> underliggande resulta<span class=\"__8 _310\"/>t och de lagstadgade a<span class=\"__8 _310\"/>vgifternas<span class=\"__8 _331\"> </span> p\u00e5v<span class=\"__8 _310\"/>erkan. Resol<span class=\"__8 _310\"/>utionsav<span class=\"__8 _310\"/>gifterna redovisas \u00e4<span class=\"__8 _312\"/>ven forts\u00e4ttnings-<span class=\"__8 _331\"> </span>vis i sin helhet under f\u00f6rsta kv<span class=\"__8 _310\"/>artalet, medan den svenska<span class=\"__8 _331\"> </span> bankskatten periodiser<span class=\"__8 _310\"/>as linj\u00e4rt \u00f6ver \u00e5ret. J\u00e4mf<span class=\"__8 _310\"/><span class=\"__8 _331\">\u00f6relsesiff</span><span class=\"__8 _310\"/>rorna<span class=\"__8 _331\"> </span> har r\u00e4knats om och f<span class=\"__8 _310\"/>\u00f6r\u00e4ndringens in<span class=\"__8 _310\"/>verkan fr<span class=\"__8 _310\"/>amg\u00e5r av t<span class=\"__8 _310\"/>abel-<span class=\"__8 _331\"> </span>len nedan.<span class=\"__8 _331\"> </span>Hel\u00e5r 2022<span class=\"__8 _331\"> </span>Mn euro<span class=\"__8 _331\"> </span>Tidigare<span class=\"__8 _331\"> </span> princip<span class=\"__8 _ce_1\"> </span>F<span class=\"__8 _310\"/>\u00f6r\u00e4ndr<span class=\"__8 _312\"/>.<span class=\"__8 _a5_1\"> </span>Ny princip<span class=\"__8 _331\"> </span>Allm\u00e4nna<span class=\"__8 _331\"> </span> administrationsa<span class=\"__8 _312\"/>vgifter:   \u00d6vriga kostnader<span class=\"__8 _ee_1\"> </span><span class=\"ls2f_5 ws51_2\">-1 457<span class=\"__8 _a6_1\"> </span></span>322<span class=\"__8 _be_1\"> </span>-1 135<span class=\"__8 _331\"> </span>Lagstadgade a<span class=\"__8 _310\"/>vgifter<span class=\"__8 _c8_1\"> </span>\u2013<span class=\"__8 _cc_1\"> </span>-322<span class=\"__8 _336\"> </span>-322<span class=\"__8 _331\"> </span>Summa r\u00f6relsekos<span class=\"__8 _310\"/>tnader<span class=\"__8 _337\"> </span>-4 903<span class=\"__8 _a9_1\"> </span>\u2013<span class=\"__8 _dd_1\"> </span>-4 903<span class=\"__8 _331\"> </span>Inverkan p\u00e5 resul<span class=\"__8 _310\"/>tat per ak<span class=\"__8 _310\"/>tie<span class=\"__8 _331\"> </span>f\u00f6re/<span class=\"__8 _312\"/>efter utsp\u00e4dning, euro<span class=\"__8 _338\"> </span>\u2013<span class=\"__8 _331\"> </span>Hel\u00e5r 2021<span class=\"__8 _331\"> </span>Mn euro<span class=\"__8 _331\"> </span>Tidigare<span class=\"__8 _331\"> </span> princip<span class=\"__8 _ce_1\"> </span>F<span class=\"__8 _310\"/>\u00f6r\u00e4ndr<span class=\"__8 _312\"/>.<span class=\"__8 _a5_1\"> </span>Ny princip<span class=\"__8 _331\"> </span>Allm\u00e4nna<span class=\"__8 _331\"> </span> administrationsa<span class=\"__8 _312\"/>vgifter:   \u00d6vriga kostnader<span class=\"__8 _339\"> </span>-1 226<span class=\"__8 _ba_1\"> </span><span class=\"ls2e_5 ws50_2\">2<span class=\"__8 _311\"/>24<span class=\"__8 _af_1\"> </span></span>-1 002<span class=\"__8 _331\"> </span>Lagstadgade a<span class=\"__8 _310\"/>vgifter<span class=\"__8 _c8_1\"> </span>\u2013<span class=\"__8 _cc_1\"> </span><span class=\"ls2e_5 ws50_2\">-2<span class=\"__8 _311\"/>24<span class=\"__8 _336\"> </span>-224<span class=\"__8 _331\"> </span></span>Summa r\u00f6relsekos<span class=\"__8 _310\"/>tnader<span class=\"__8 _340\"> </span>-4 649<span class=\"__8 _a9_1\"> </span>\u2013<span class=\"__8 _341\"> </span>-4 649<span class=\"__8 _331\"> </span>Inverkan p\u00e5 resul<span class=\"__8 _310\"/>tat per ak<span class=\"__8 _310\"/>tie<span class=\"__8 _331\"> </span>f\u00f6re/<span class=\"__8 _312\"/>efter utsp\u00e4dning, euro<span class=\"__8 _338\"> </span>\u2013<span class=\"__8 _331\"> </span>F\u00f6r<span class=\"__8 _310\"/>\u00e4ndrad pres<span class=\"__8 _310\"/>enta<span class=\"__8 _310\"/>tion av s\u00e4kr<span class=\"__8 _310\"/>ade poster vid<span class=\"__8 _331\"> </span> s\u00e4kring av v<span class=\"__8 _310\"/>erkligt v\u00e4rde p\u00e5 mikr<span class=\"__8 _310\"/>oniv\u00e5<span class=\"__8 _331\"> </span>Nordea till\u00e4mpar s\u00e4kring a<span class=\"__8 _310\"/>v verkligt v\u00e4r<span class=\"__8 _310\"/>de b\u00e5de p\u00e5 mikroniv\u00e5<span class=\"__8 _331\"> </span> (enskilda tillg\u00e5ngar<span class=\"__8 _310\"/>/<span class=\"__8 _310\"/>skulder eller st\u00e4ngda portf<span class=\"__8 _310\"/>\u00f6ljer av till<span class=\"__8 _310\"/>-<span class=\"__8 _331\"> </span>g\u00e5ngar/<span class=\"__8 _312\"/>skulder<span class=\"__8 _310\"/>, d\u00e4r en eller flera pos<span class=\"__8 _310\"/>ter s\u00e4kras med hj\u00e4lp a<span class=\"__8 _310\"/>v<span class=\"__8 _331\"> </span> ett eller flera s\u00e4kringsinstrumen<span class=\"__8 _310\"/>t), och p\u00e5 makroniv<span class=\"__8 _310\"/>\u00e5 (\u00f6ppna<span class=\"__8 _331\"> </span> portf\u00f6ljer<span class=\"__8 _312\"/>, d\u00e4r grupper av poster s\u00e4kr<span class=\"__8 _310\"/>as med hj\u00e4lp a<span class=\"__8 _310\"/>v flera<span class=\"__8 _331\"> </span> s\u00e4kringsinstrument).<span class=\"__8 _331\"> </span>Fr<span class=\"__8 _310\"/>\u00e5n och med 2022 redovisar Nordea f<span class=\"__8 _312\"/>\u00f6r\u00e4ndringar av verk<span class=\"__8 _310\"/>-<span class=\"__8 _331\"> </span>ligt v\u00e4rde f<span class=\"__8 _310\"/>\u00f6r s\u00e4krade pos<span class=\"__8 _310\"/>ter i s\u00e4kring a<span class=\"__8 _310\"/>v verkligt v\u00e4rde p\u00e5<span class=\"__8 _331\"> </span> mikroniv\u00e5 p\u00e5 samma r<span class=\"__8 _310\"/>ad i balansr\u00e4kningen som s\u00e4krade pos-<span class=\"__8 _331\"> </span>ter<span class=\"__8 _312\"/>, ist\u00e4llet f\u00f6r som tidigar<span class=\"__8 _310\"/>e p\u00e5 raden \u201dF<span class=\"__8 _310\"/>\u00f6r\u00e4ndringar a<span class=\"__8 _310\"/>v verkligt<span class=\"__8 _331\"> </span> v\u00e4rde f<span class=\"__8 _310\"/>\u00f6r r\u00e4n<span class=\"__8 _310\"/>tes\u00e4krade pos<span class=\"__8 _310\"/>ter<span class=\"__8 _311\"/>\u201d<span class=\"__8 _312\"/>. F\u00f6r<span class=\"__8 _310\"/>\u00e4ndringar av v<span class=\"__8 _310\"/>erkligt v\u00e4rde<span class=\"__8 _331\"> </span> f\u00f6r s\u00e4kr<span class=\"__8 _310\"/>ade poster i s\u00e4kring a<span class=\"__8 _310\"/>v verkligt v<span class=\"__8 _310\"/>\u00e4rde p\u00e5 makroniv\u00e5<span class=\"__8 _331\"> </span> redovisas som tidigar<span class=\"__8 _310\"/>e p\u00e5 en separat r<span class=\"__8 _310\"/>ad i balansr\u00e4kningen,<span class=\"__8 _331\"> </span> som fr\u00e5n 2022 har b<span class=\"__8 _310\"/>ytt namn fr\u00e5n \u201dF<span class=\"__8 _312\"/>\u00f6r\u00e4ndring av verkligt<span class=\"__8 _331\"> </span> v\u00e4rde f<span class=\"__8 _310\"/>\u00f6r r\u00e4n<span class=\"__8 _310\"/>tes\u00e4krade pos<span class=\"__8 _310\"/>ter<span class=\"__8 _311\"/>\u201d till \u201dF\u00f6r<span class=\"__8 _310\"/>\u00e4ndring av v<span class=\"__8 _310\"/>erkligt<span class=\"__8 _331\"> </span> v\u00e4rde f<span class=\"__8 _310\"/>\u00f6r r\u00e4n<span class=\"__8 _310\"/>tes\u00e4krade pos<span class=\"__8 _310\"/>ter i s\u00e4kringsportf\u00f6ljer\u201d<span class=\"__8 _310\"/>. J\u00e4mf<span class=\"__8 _312\"/>\u00f6rel-<span class=\"__8 _331\"> </span><span class=\"__8 _331\">sesiffrorna har r</span><span class=\"__8 _310\"/>\u00e4knats om och f<span class=\"__8 _310\"/>\u00f6r\u00e4ndringens inv<span class=\"__8 _310\"/>erkan fram-<span class=\"__8 _331\"> </span>g\u00e5r av tabell<span class=\"__8 _310\"/>en nedan.<span class=\"__8 _331\"> </span>31 dec 2022<span class=\"__8 _331\"> </span>Mn euro<span class=\"__8 _331\"> </span>Tidigare princip<span class=\"__8 _e9_1\"> </span>F<span class=\"__8 _310\"/>\u00f6r\u00e4ndr<span class=\"__8 _312\"/>.<span class=\"__8 _c2_1\"> </span>Ny princip<span class=\"__8 _331\"> </span>Emitterade v\u00e4r<span class=\"__8 _310\"/>depapper<span class=\"__8 _342\"> </span><span class=\"fs1_7\">183 801<span class=\"__8 _a7_1\"> </span>-3 998<span class=\"__8 _a8_1\"> </span>179 803<span class=\"__8 _331\"> </span></span>F\u00f6r\u00e4ndring a<span class=\"__8 _312\"/>v verkligt v\u00e4rde f\u00f6r r\u00e4nt<span class=\"__8 _310\"/>es\u00e4krade poster i s\u00e4kringsportf\u00f6ljer<span class=\"__8 _11a_1\"> </span><span class=\"fs1_7\">\u2013<span class=\"__8 _b7_1\"> </span>-2 175<span class=\"__8 _b5_1\"> </span>-2 175<span class=\"__8 _331\"> </span></span>F\u00f6r\u00e4ndring a<span class=\"__8 _312\"/>v verkligt v\u00e4rde f\u00f6r r\u00e4nt<span class=\"__8 _310\"/>es\u00e4krade poster<span class=\"__8 _b6_1\"> </span><span class=\"fs1_7\">-6 677<span class=\"__8 _cc_1\"> </span>-6 677<span class=\"__8 _7f_1\"> </span>\u2013<span class=\"__8 _331\"> </span></span>Efterst\u00e4llda sk<span class=\"__8 _310\"/>ulder<span class=\"__8 _11b_1\"> </span>5 905<span class=\"__8 _341\"> </span>-504<span class=\"__8 _a6_1\"> </span>5 401<span class=\"__8 _331\"> </span>T<span class=\"__8 _a_7\"/>otala skulder<span class=\"__8 _bb_1\"> </span>563 440<span class=\"__8 _9c_1\"> </span>\u2013<span class=\"__8 _d4_1\"> </span>563 440<span class=\"__8 _331\"> </span>31 dec 2021<span class=\"__8 _331\"> </span>Mn euro<span class=\"__8 _331\"> </span>Tidigare princip<span class=\"__8 _e9_1\"> </span>F<span class=\"__8 _310\"/>\u00f6r\u00e4ndr<span class=\"__8 _312\"/>. <span class=\"__8 _bd_1\"> </span>Ny princip<span class=\"__8 _331\"> </span>Emitterade v\u00e4r<span class=\"__8 _310\"/>depapper<span class=\"__8 _fc_1\"> </span><span class=\"fs1_7\">175 792<span class=\"__8 _b9_1\"> </span><span class=\"ls2f_5 ws51_2\">57<span class=\"__8 _311\"/>3<span class=\"__8 _a5_1\"> </span></span>176 365<span class=\"__8 _331\"> </span></span>F\u00f6r\u00e4ndring a<span class=\"__8 _312\"/>v verkligt v\u00e4rde f\u00f6r r\u00e4nt<span class=\"__8 _310\"/>es\u00e4krade poster i s\u00e4kringsportf\u00f6ljer<span class=\"__8 _11a_1\"> </span><span class=\"fs1_7\">\u2013<span class=\"__8 _a9_1\"> </span>101<span class=\"__8 _ae_1\"> </span>101<span class=\"__8 _331\"> </span></span>F\u00f6r\u00e4ndring a<span class=\"__8 _312\"/>v verkligt v\u00e4rde f\u00f6r r\u00e4nt<span class=\"__8 _310\"/>es\u00e4krade poster<span class=\"__8 _c0_1\"> </span><span class=\"fs1_7\">805<span class=\"__8 _341\"> </span>-805<span class=\"__8 _7f_1\"> </span>\u2013<span class=\"__8 _331\"> </span></span>Efterst\u00e4llda sk<span class=\"__8 _310\"/>ulder<span class=\"__8 _333\"> </span>6 719<span class=\"__8 _ea_1\"> </span>131<span class=\"__8 _c5_1\"> </span>6 850<span class=\"__8 _331\"> </span>T<span class=\"__8 _a_7\"/>otala skulder<span class=\"__8 _bb_1\"> </span>536 850<span class=\"__8 _7f_1\"> </span>\u2013<span class=\"__8 _d4_1\"> </span>536 850<span class=\"__8 _331\"> </span>\u00c4ndrade redo<span class=\"__8 _310\"/>visningskra<span class=\"__8 _310\"/>v<span class=\"__8 _331\"> </span>IASB har publicera<span class=\"__8 _310\"/>t f\u00f6ljande \u00e4ndringar<span class=\"__8 _312\"/>, som inf<span class=\"__8 _310\"/>\u00f6rdes a<span class=\"__8 _310\"/>v Nordea den 1 januari 2022 men som inte har ha<span class=\"__8 _310\"/>ft n\u00e5gon betydande inverkan p\u00e5 Nor<span class=\"__8 _310\"/>deas redovisning:<span class=\"__8 _331\"> </span>\u2022 <span class=\"__8 _11c_1\"> </span><span class=\"__8 _331\">\u00c4ndringar av IFRS 3 R</span><span class=\"__8 _310\"/>\u00f6relsef<span class=\"__8 _310\"/>\u00f6rv\u00e4rv: H\u00e4nvisning till koncep-<span class=\"__8 _331\"> </span>tuellt ram<span class=\"__8 _310\"/>verk \u2022 <span class=\"__8 _11c_1\"> </span>\u00c4ndringar av IAS 16 Ma<span class=\"__8 _310\"/>teriella anl\u00e4ggningstillg\u00e5ngar: Ers\u00e4ttningar f\u00f6r<span class=\"__8 _310\"/>e avs<span class=\"__8 _310\"/>edd anv\u00e4ndning \u2022 <span class=\"__8 _11c_1\"> </span>\u00c4ndringar av IAS 37 <span class=\"__8 _310\"/>A<span class=\"__8 _312\"/>vs\u00e4ttningar<span class=\"__8 _312\"/>, eventualf\u00f6rplik<span class=\"__8 _312\"/>telser och even<span class=\"__8 _310\"/>tualtillg\u00e5ngar: F<span class=\"__8 _310\"/>\u00f6rlustkon<span class=\"__8 _310\"/>trak<span class=\"__8 _310\"/>t \u2013 Utgifter f<span class=\"__8 _310\"/>\u00f6r att f<span class=\"__8 _310\"/>ullf\u00f6lja kontr<span class=\"__8 _310\"/>akt \u2022 <span class=\"__8 _11c_1\"> </span>\u00c5rliga f\u00f6rb\u00e4<span class=\"__8 _310\"/>ttringar av IFRS-s<span class=\"__8 _310\"/>tandarder 2018\u2013<span class=\"__8 _310\"/>2020<span class=\"__8 _331\"> </span>F\u00f6r<span class=\"__8 _310\"/>\u00e4ndringar i \ufb01nska bokf\u00f6ringslagen, \ufb01nsk<span class=\"__8 _310\"/>a kreditinstitutsla<span class=\"__8 _310\"/>-<span class=\"__8 _331\"> </span>gen, \ufb01nska Finansinspektionens f<span class=\"__8 _310\"/>\u00f6reskrift<span class=\"__8 _310\"/>er och allm\u00e4nna r\u00e5d samt \ufb01nska Finansminis<span class=\"__8 _310\"/>teriets f\u00f6r<span class=\"__8 _310\"/>ordning om bokslut och kon-<span class=\"__8 _331\"> </span>cernredovisning i kr<span class=\"__8 _310\"/>editinstitut och v\u00e4r<span class=\"__8 _310\"/>depappersf\u00f6retag har inte ha<span class=\"__8 _310\"/>ft n\u00e5gon betydande inv<span class=\"__8 _310\"/>erkan p\u00e5 Nordeas redovisning.<span class=\"__8 _331\"> </span>F<span class=\"__8 _310\"/>\u00f6r\u00e4ndringar i IFRS som \u00e4nnu int<span class=\"__8 _310\"/>e till\u00e4mpats IFRS 17 F<span class=\"__8 _310\"/>\u00f6rs\u00e4kringsavtal<span class=\"__8 _331\"> </span>IASB har publicera<span class=\"__8 _310\"/>t den nya s<span class=\"__8 _310\"/>tandarden IFRS 17 F<span class=\"__8 _310\"/>\u00f6rs\u00e4kringsavt<span class=\"__8 _310\"/>al. Den nya s<span class=\"__8 _310\"/>tandarden \u00e4ndrar kr<span class=\"__8 _310\"/>av<span class=\"__8 _310\"/>en f\u00f6r r<span class=\"__8 _310\"/>edovisning, v\u00e4r<span class=\"__8 _310\"/>dering och presen<span class=\"__8 _310\"/>tation a<span class=\"__8 _310\"/>v samt uppl<span class=\"__8 _310\"/>ysningar om f\u00f6rs\u00e4kringsa<span class=\"__8 _310\"/>vtal. IFRS 17 har godk\u00e4nts a<span class=\"__8 _310\"/>v EU-kommissionen och ska till\u00e4mpas f<span class=\"__8 _310\"/>\u00f6r r\u00e4k<span class=\"__8 _310\"/>en<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>skaps\u00e5r som b\u00f6rjar den 1 januari 2023 eller senare.<span class=\"__8 _331\"> </span>Icke enhetliga v\u00e4rderingsprinciper s<span class=\"__8 _310\"/>om bygger p\u00e5 livf<span class=\"__8 _310\"/>\u00f6rs\u00e4k<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>ringsdotterf<span class=\"__8 _310\"/>\u00f6retagens lokala redo<span class=\"__8 _310\"/>visningsprinciper ers\u00e4tts a<span class=\"__8 _310\"/>v enhetliga v\u00e4rderingsprinciper som b<span class=\"__8 _310\"/>ygger p\u00e5 tre v<span class=\"__8 _310\"/>\u00e4rderingsmo<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>deller: den grundl\u00e4ggande v\u00e4rderingsmodellen (<span class=\"__8 _310\"/>general measu<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>rement model, GMM), den r\u00f6rliga a<span class=\"__8 _312\"/>vgiftsmodellen (variable fee approach, VF<span class=\"__8 _312\"/>A) och premieallokeringsmodellen (pr<span class=\"__8 _310\"/>emium allo<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>cation approach, P<span class=\"__8 _a_7\"/>AA). V<span class=\"__8 _310\"/>alet av modell ber<span class=\"__8 _310\"/>or p\u00e5 villkoren i a<span class=\"__8 _312\"/>vta<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>let (l\u00e5ngfristiga, l\u00e5ngf<span class=\"__8 _310\"/>ristiga med r\u00f6rlig a<span class=\"__8 _310\"/>vgift eller k<span class=\"__8 _310\"/>ortfristiga). I de tre v\u00e4r<span class=\"__8 _310\"/>deringsmodellerna de\ufb01nieras a<span class=\"__8 _310\"/>vtalsenliga kassafl\u00f6den, riskjuster<span class=\"__8 _310\"/>ad marginal och diskon<span class=\"__8 _310\"/>tering p\u00e5 samma s\u00e4tt. Dessa de\ufb01nitioner bygger p\u00e5 liknande principer som de s<span class=\"__8 _310\"/>om anv\u00e4nds vid ber\u00e4kning a<span class=\"__8 _310\"/>v f\u00f6rs\u00e4kringst<span class=\"__8 _310\"/>ekniska a<span class=\"__8 _310\"/>vs\u00e4ttningar i Solv<span class=\"__8 _310\"/>ens II-<span class=\"__8 _331\"> </span>direktiv<span class=\"__8 _310\"/>et. Ej intj\u00e4nade marginaler p\u00e5 premier f<span class=\"__8 _310\"/>r\u00e5n l\u00f6nsamma avtal r<span class=\"__8 _310\"/>edovisas som en a<span class=\"__8 _310\"/>vs\u00e4ttning i balansr<span class=\"__8 _310\"/>\u00e4kningen och int\u00e4k<span class=\"__8 _310\"/>ts<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>f\u00f6rs n\u00e4r tj\u00e4nst<span class=\"__8 _310\"/>en utf\u00f6rs, medan f<span class=\"__8 _310\"/>\u00f6rluster f<span class=\"__8 _310\"/>r\u00e5n ol\u00f6nsamma a<span class=\"__8 _310\"/>vtal redovisas i re<span class=\"__8 _310\"/>sultatr<span class=\"__8 _310\"/>\u00e4kningen vid f\u00f6rsta r<span class=\"__8 _310\"/>edovisningstillf<span class=\"__8 _310\"/>\u00e4llet.<span class=\"__8 _331\"> </span>Ett redovisa<span class=\"__8 _310\"/><span class=\"__8 _331\">t v\u00e4rde om 2 106 mn euro k</span><span class=\"__8 _310\"/>ommer att omklassi\ufb01<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>ceras fr<span class=\"__8 _310\"/>\u00e5n f<span class=\"__8 _310\"/>\u00f6rs\u00e4kringsavtal till \ufb01nansiella a<span class=\"__8 _310\"/>vtal vid \u00f6v<span class=\"__8 _310\"/>erg\u00e5ngen (baserat p\u00e5 f<span class=\"__8 _312\"/>\u00f6r<span class=\"__8 _311\"/>s\u00e4kringsskulder per 31 december 2021). Detta<span class=\"__8 _331\"> </span><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls3f_4 ws0_8\" style=\"left:0.008514404px; bottom:922.79333px;\">avser huvudsakligen n<span class=\"__8 _310\"/>yare k<span class=\"__8 _310\"/>apitalf\u00f6rs\u00e4kringar a<span class=\"__8 _310\"/>v typen fond<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls3f_4 ws0_8\" style=\"left:0.008514404px; bottom:909.2681px;\">f\u00f6rs\u00e4kring d\u00e4r f<span class=\"__8 _310\"/>\u00f6rs\u00e4kringsrisken bed\u00f6ms vara obety<span class=\"__8 _310\"/>dlig.<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:12.90387px; bottom:895.7429px;\">Nordea kommer att an<span class=\"__8 _310\"/>v\u00e4nda alla tre v<span class=\"__8 _310\"/>\u00e4rderingsmodellerna, </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.008514404px; bottom:882.2177px;\">men den r\u00f6rliga a<span class=\"__8 _310\"/>vgiftsmodellen kommer a<span class=\"__8 _310\"/>tt till\u00e4mpas f\u00f6r </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.008514404px; bottom:868.6925px;\"><span class=\"__8 _331\">99 procen</span><span class=\"__8 _310\"/>t av f<span class=\"__8 _312\"/>\u00f6r<span class=\"__8 _311\"/>s\u00e4kringsavt<span class=\"__8 _310\"/>alen vid \u00f6verg\u00e5ngen (bas<span class=\"__8 _310\"/>erat p\u00e5 </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.008514404px; bottom:855.1673px;\">skulder per 31 december 2021).<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:12.90387px; bottom:841.6421px;\">Nordea kommer att an<span class=\"__8 _310\"/>v\u00e4nda EU:s s\u00e5 kallade carve out-ver-<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.008514404px; bottom:828.1169px;\">sion f\u00f6r \u00e5rsgrupper<span class=\"__8 _310\"/>ade avtal f<span class=\"__8 _312\"/>\u00f6r tv\u00e5 portf\u00f6ljer med ett redovisat </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.008514404px; bottom:814.59174px;\"><span class=\"__8 _331\">v\u00e4rde p\u00e5 6 293 mn eur</span><span class=\"__8 _310\"/>o (baserat p\u00e5 f<span class=\"__8 _310\"/>\u00f6rs\u00e4kringsskulder per </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.008514404px; bottom:801.0665px;\"><span class=\"__8 _331\">31 december 2021). Nordea kommer in</span><span class=\"__8 _310\"/>te att an<span class=\"__8 _310\"/>v\u00e4nda m\u00f6jlighe-<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.008514404px; bottom:787.5413px;\">ten att dela upp \ufb01nansiella in<span class=\"__8 _310\"/>t\u00e4kt<span class=\"__8 _310\"/>er och kostnader f<span class=\"__8 _310\"/>r\u00e5n f<span class=\"__8 _310\"/>\u00f6rs\u00e4k-<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.008514404px; bottom:774.0161px;\">ringsavtal mellan r<span class=\"__8 _310\"/>esulta<span class=\"__8 _310\"/>t och \u00f6vrigt totalr<span class=\"__8 _310\"/>esulta<span class=\"__8 _310\"/>t.<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls40_4 ws0_8\" style=\"left:12.90387px; bottom:760.4909px;\">Det \ufb01nns olika metoder f<span class=\"__8 _310\"/>\u00f6r \u00f6verg\u00e5ngen, ber<span class=\"__8 _310\"/>oende p\u00e5 tillg\u00e5ng<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls40_4 ws0_8\" style=\"left:0.008514404px; bottom:746.9657px;\">en till data vid \u00f6v<span class=\"__8 _310\"/>erg\u00e5ngen (1 januari 2022). <span class=\"ws64_2\">Nordea</span> har in<span class=\"__8 _310\"/>te till<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls40_4 ws0_8\" style=\"left:0.008514404px; bottom:733.4405px;\">r\u00e4ckligt med inf<span class=\"__8 _312\"/>ormation f\u00f6r att kunna till\u00e4mpa den hel<span class=\"__8 _310\"/>t eller </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls40_4 ws0_8\" style=\"left:0.008514404px; bottom:719.9153px;\">modi\ufb01erade retr<span class=\"__8 _310\"/>ospektiva met<span class=\"__8 _310\"/>oden f\u00f6r huvuddelen a<span class=\"__8 _312\"/>v avtalen, </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls40_4 ws0_8\" style=\"left:0.008514404px; bottom:706.39014px;\">och kommer d\u00e4rf\u00f6r a<span class=\"__8 _310\"/>tt anv\u00e4nda sig a<span class=\"__8 _310\"/>v verkligt v<span class=\"__8 _310\"/>\u00e4rde-metoden. </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls40_4 ws0_8\" style=\"left:0.008514404px; bottom:692.8649px;\">F\u00f6r de fles<span class=\"__8 _310\"/>ta \u00e5ters<span class=\"__8 _310\"/>t\u00e5ende avt<span class=\"__8 _310\"/>alen till\u00e4mpas den modi\ufb01erade retro<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls40_4 ws0_8\" style=\"left:0.008514404px; bottom:679.3397px;\">spektiv<span class=\"__8 _310\"/>a metoden. <span class=\"ws64_2\">Nordea</span> kommer a<span class=\"__8 _310\"/>tt anv\u00e4nda sig a<span class=\"__8 _312\"/>v verkligt<span class=\"__8 _311\"/> </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls40_4 ws0_8\" style=\"left:0.008514404px; bottom:665.8145px;\">v\u00e4rde-metoden f<span class=\"__8 _312\"/>\u00f6r cirka 91 procent a<span class=\"__8 _310\"/>v f\u00f6rs\u00e4kringsa<span class=\"__8 _310\"/>vtalen (baser<span class=\"__8 _310\"/>at </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls40_4 ws0_8\" style=\"left:0.008514404px; bottom:652.2893px;\">p\u00e5 skulder per 31 december 2021). <span class=\"__8 _312\"/>Till\u00e4mpningen av verkligt v\u00e4r<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls40_4 ws0_8\" style=\"left:0.008514404px; bottom:638.7641px;\">de-metoden i <span class=\"ws64_2\">Nordea</span> kommer a<span class=\"__8 _310\"/>tt ge en h\u00f6gre a<span class=\"__8 _310\"/>vtalsenlig margi<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls40_4 ws0_8\" style=\"left:0.008514404px; bottom:625.2389px;\">nal j\u00e4mf<span class=\"__8 _310\"/>\u00f6rt med de retrospektiv<span class=\"__8 _310\"/>a metoderna, och d\u00e4rmed en st<span class=\"__8 _310\"/>\u00f6r<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls40_4 ws0_8\" style=\"left:0.008514404px; bottom:611.7137px;\">re minskning i eget kapital vid \u00f6v<span class=\"__8 _310\"/>erg\u00e5ngen eftersom den h\u00e4r </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls40_4 ws0_8\" style=\"left:0.008514404px; bottom:598.18854px;\">metoden generellt kr<span class=\"__8 _310\"/>\u00e4v<span class=\"__8 _310\"/>er en ytterligare mar<span class=\"__8 _310\"/>ginal som en m\u00f6jlig </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls40_4 ws0_8\" style=\"left:0.008514404px; bottom:584.6633px;\">tredje part skulle kr\u00e4<span class=\"__8 _310\"/>va. Den h\u00e4r mar<span class=\"__8 _310\"/>ginalen kr\u00e4<span class=\"__8 _310\"/>vs inte f<span class=\"__8 _312\"/>\u00f6r de<span class=\"__8 _311\"/> </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls40_4 ws0_8\" style=\"left:0.008514404px; bottom:571.1381px;\">retrospek<span class=\"__8 _310\"/>tiva metoderna. Det inneb\u00e4r ocks\u00e5 a<span class=\"__8 _310\"/>tt den avt<span class=\"__8 _310\"/>alsenliga </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls40_4 ws0_8\" style=\"left:0.008514404px; bottom:557.6129px;\">marginalen som ska periodiser<span class=\"__8 _310\"/>as i fram<span class=\"__8 _310\"/>tiden \u00e4r h\u00f6gre enligt verk<span class=\"__8 _312\"/><span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls40_4 ws0_8\" style=\"left:0.008514404px; bottom:544.0877px;\">ligt v\u00e4rde-metoden j\u00e4m<span class=\"__8 _310\"/>f<span class=\"__8 _310\"/>\u00f6rt med de retrospektiv<span class=\"__8 _310\"/>a metoderna. </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:12.90387px; bottom:530.5625px;\">Den kvan<span class=\"__8 _310\"/>titativa in<span class=\"__8 _310\"/>verkan som in<span class=\"__8 _310\"/>f\u00f6r<span class=\"__8 _310\"/>andet av IFRS 1<span class=\"__8 _310\"/>7 f\u00e5r p\u00e5 </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.008514404px; bottom:517.0373px;\">Nordeas redovisning vid \u00f6<span class=\"__8 _310\"/>verg\u00e5ngen den 1 januari 2022 \u00e4r en </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.008514404px; bottom:503.5121px;\">reducering a<span class=\"__8 _310\"/>v eget kapital med 573 mn euro. Detta belopp </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.008514404px; bottom:489.98694px;\">inkluderar \u00e4<span class=\"__8 _310\"/>ven en om<span class=\"__8 _310\"/>v\u00e4rdering a<span class=\"__8 _310\"/>v obligationer som tidigar<span class=\"__8 _310\"/>e </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.008514404px; bottom:476.46173px;\">har v\u00e4rder<span class=\"__8 _310\"/><span class=\"__8 _331\">ats till \u201dUpplupet anskaff</span><span class=\"__8 _310\"/>ningsv\u00e4rde\u201d men klassi\ufb01c<span class=\"__8 _310\"/>e-<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.008514404px; bottom:462.93652px;\">rats om som \u201dV<span class=\"__8 _312\"/>erkligt v\u00e4rde via resul<span class=\"__8 _310\"/>tatr\u00e4kningen\u201d vid \u00f6<span class=\"__8 _310\"/>ver-<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.008514404px; bottom:449.41132px;\">g\u00e5ngen. K\u00e4rnprim\u00e4rkapitalr<span class=\"__8 _310\"/>elationen kommer att r<span class=\"__8 _310\"/>educeras </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.008514404px; bottom:435.8861px;\">med 23 punkter vid \u00f6v<span class=\"__8 _310\"/>erg\u00e5ngen.<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:12.90387px; bottom:422.3609px;\">Beskrivningarna ovan g\u00e4ller f<span class=\"__8 _312\"/>\u00f6r f\u00f6rs\u00e4kringsavtal som inne-<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.008514404px; bottom:408.8357px;\">has av Nor<span class=\"__8 _310\"/>dea vid \u00f6ver<span class=\"__8 _310\"/>g\u00e5ngen den 1 januari 2022. Kon<span class=\"__8 _310\"/>trak<span class=\"__8 _310\"/>t i </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.008514404px; bottom:395.31052px;\">T<span class=\"__8 _a_7\"/>opdanmark Livsforsikring kommer d\u00e4rmed in<span class=\"__8 _310\"/>te att p\u00e5<span class=\"__8 _310\"/>verka </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.008514404px; bottom:381.7853px;\">Nordeas \u00f6ver<span class=\"__8 _310\"/>g\u00e5ng till IFRS 17<span class=\"__8 _a_7\"/>. </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:12.90387px; bottom:368.2601px;\">F\u00f6r ytt<span class=\"__8 _310\"/>erligare inf<span class=\"__8 _310\"/>ormation, se no<span class=\"__8 _310\"/>t K10.6 \u201d\u00d6verg\u00e5ngen till </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.008514404px; bottom:354.7349px;\">IFRS 17 F<span class=\"__8 _310\"/>\u00f6rs\u00e4kringsavtal\u201d<span class=\"__8 _a_7\"/>.<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1b_3 ff4_7 fse_4 fc1_7 sc0_8 ls0_8 ws0_8\" style=\"left:0.008514404px; bottom:327.4219px;\">\u00c4ndringar i IAS 12 Inkomstska<span class=\"__8 _310\"/>tter: Uppskjutna </div><div class=\"t_8 m0_8 h1b_3 ff4_7 fse_4 fc1_7 sc0_8 ls0_8 ws0_8\" style=\"left:0.008514404px; bottom:313.8967px;\">skattef<span class=\"__8 _312\"/>ordringar och uppskjutna skatteskulder </div><div class=\"t_8 m0_8 h1b_3 ff4_7 fse_4 fc1_7 sc0_8 ls0_8 ws0_8\" style=\"left:0.008514404px; bottom:300.37152px;\">som h\u00e4rr\u00f6r fr<span class=\"__8 _310\"/>\u00e5n en enda transak<span class=\"__8 _310\"/>tion<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.008514404px; bottom:286.8346px;\">IASB publicerade under 2021 \u00e4ndringar i IAS 12 Inkoms<span class=\"__8 _310\"/>tskatter: </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.008514404px; bottom:273.30942px;\">Uppskjutna skattef<span class=\"__8 _310\"/>ordringar och uppskjutna ska<span class=\"__8 _310\"/>tteskulder som </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.008514404px; bottom:259.7842px;\">h\u00e4rr\u00f6r fr<span class=\"__8 _310\"/>\u00e5n en enda transak<span class=\"__8 _310\"/>tion.<span class=\"__8 _331\"> </span></div><div class=\"t_8 m4_1 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:12.90387px; bottom:246.24731px;\">Enligt \u00e4ndringarna ska f\u00f6r<span class=\"__8 _310\"/>etag redovisa uppskjut<span class=\"__8 _310\"/>en skatt </div><div class=\"t_8 m4_1 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.008514404px; bottom:232.7221px;\">fr\u00e5n s\u00e4rskilda transak<span class=\"__8 _312\"/>tioner som vid f\u00f6rsta redovisnings<span class=\"__8 _310\"/>tillf\u00e4llet </div><div class=\"t_8 m4_1 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.008514404px; bottom:219.1969px;\">ger upphov till skatt<span class=\"__8 _310\"/>epliktiga och a<span class=\"__8 _310\"/>vdr<span class=\"__8 _310\"/>agsgilla tempor\u00e4r<span class=\"__8 _310\"/>a skill</div><div class=\"t_8 m4_1 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:299.37982px; bottom:219.18912px;\">-<span class=\"__8 _331\"> </span></div><div class=\"t_8 m4_1 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.008514404px; bottom:205.66px;\">nader av lika belopp<span class=\"__8 _310\"/>. Ett s\u00e5dant kr<span class=\"__8 _310\"/>av k<span class=\"__8 _310\"/>an g\u00e4lla vid f\u00f6rsta r<span class=\"__8 _310\"/>edo-<span class=\"__8 _331\"> </span></div><div class=\"t_8 m4_1 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.008514404px; bottom:192.13077px;\">visningstillf<span class=\"__8 _310\"/>\u00e4llet f\u00f6r en leasingsk<span class=\"__8 _310\"/>uld och motsvar<span class=\"__8 _310\"/>ande nyttjan-<span class=\"__8 _331\"> </span></div><div class=\"t_8 m4_1 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.008514404px; bottom:178.6018px;\">der\u00e4tt f<span class=\"__8 _310\"/>\u00f6r tillg\u00e5ngen vid leasingperiodens b\u00f6rjan. Kra<span class=\"__8 _312\"/>vet g\u00e4ller </div><div class=\"t_8 m4_1 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.008514404px; bottom:165.07661px;\">ocks\u00e5 i samband med nedmontering, \u00e5<span class=\"__8 _310\"/>terst\u00e4llande och liknan</div><div class=\"t_8 m4_1 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:301.33722px; bottom:165.07271px;\">-<span class=\"__8 _331\"> </span></div><div class=\"t_8 m4_1 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.008514404px; bottom:151.54361px;\">de \u00e5taganden, d\u00e4r de motsv<span class=\"__8 _310\"/>arande beloppen redo<span class=\"__8 _310\"/>visas som en </div><div class=\"t_8 m4_1 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.008514404px; bottom:138.0184px;\">del av k<span class=\"__8 _310\"/>ostnaden f<span class=\"__8 _310\"/>\u00f6r den ber\u00f6rda tillg\u00e5ngen.<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls3e_4 ws0_8\" style=\"left:12.90387px; bottom:124.48541px;\">\u00c4ndringarna har godk\u00e4nts a<span class=\"__8 _310\"/>v EU och ska till\u00e4mpas f<span class=\"__8 _310\"/>\u00f6r r\u00e4ken<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls3e_4 ws0_8\" style=\"left:0.008514404px; bottom:110.960205px;\"><span class=\"__8 _331\">skaps\u00e5r som b\u00f6rjar den 1 januari 2023 eller senare, och tidigare </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls3e_4 ws65_2\" style=\"left:0.008514404px; bottom:97.43501px;\">till\u00e4mpning \u00e4r till\u00e5ten. Uppl<span class=\"__8 _310\"/>ysningar om bruttobeloppen f\u00f6r upp<span class=\"ls0_8 ws0_8\">-<span class=\"__8 _331\"> </span></span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls3e_4 ws0_8\" style=\"left:0.008514404px; bottom:83.909805px;\">skjutna skattef<span class=\"__8 _310\"/>ordringar och ska<span class=\"__8 _310\"/>tteskulder k<span class=\"__8 _310\"/>ommer att l\u00e4mnas, </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls3e_4 ws0_8\" style=\"left:0.008514404px; bottom:70.38461px;\">men beloppen kvittas i balansr\u00e4kningen om kra<span class=\"__8 _312\"/>ven uppfylls. </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls3e_4 ws66_2\" style=\"left:0.008514404px; bottom:56.859406px;\">Enligt Nordea<span class=\"ws0_8\"><span class=\"__8 _331\">s bed\u00f6mning kommer eff</span><span class=\"__8 _312\"/>ekten p\u00e5 bruttobeloppen </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls3e_4 ws0_8\" style=\"left:0.008514404px; bottom:43.334206px;\">f\u00f6r uppskjutna ska<span class=\"__8 _310\"/>ttef<span class=\"__8 _310\"/>ordringar och skatt<span class=\"__8 _310\"/>eskulder<span class=\"__8 _312\"/>, redovisade i </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls3e_4 ws0_8\" style=\"left:0.008514404px; bottom:29.809006px;\">not K2.<span class=\"__8 _312\"/>10 \u201dSkatter<span class=\"__8 _311\"/>\u201d<span class=\"__8 _312\"/>, att uppg\u00e5 till cirka 200 mn euro per den </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls3e_4 ws0_8\" style=\"left:0.008514404px; bottom:16.283806px;\"><span class=\"__8 _331\">1 januari 2023. Men eftersom dessa belopp f\u00f6rv\u00e4n</span><span class=\"__8 _310\"/>tas kvittas i </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls3e_4 ws0_8\" style=\"left:0.008514404px; bottom:2.758606px;\">balansr\u00e4kningen, \u00e4r <span class=\"ws66_2\">Nordea</span>s nuv<span class=\"__8 _310\"/>arande bed\u00f6mning att \u00e4ndring<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls3e_4 ws0_8\" style=\"left:0.013267517px; bottom:922.58124px;\">en inte f<span class=\"__8 _310\"/>\u00e5r n\u00e5gon annan betydande in<span class=\"__8 _310\"/>verkan p\u00e5 <span class=\"ws66_2\">Nordea</span>s r<span class=\"__8 _310\"/>edo<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls3e_4 ws0_8\" style=\"left:0.013267517px; bottom:909.056px;\">visning eller kapitalt\u00e4ckning n\u00e4r de till\u00e4mpas f<span class=\"__8 _310\"/>\u00f6rsta g\u00e5ngen.<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1b_3 ff4_7 fse_4 fc1_7 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:881.99396px;\">\u00d6vriga f\u00f6r<span class=\"__8 _310\"/>\u00e4ndringar i IFRS<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:868.46484px;\">IASB har publicera<span class=\"__8 _310\"/>t f\u00f6ljande ny<span class=\"__8 _310\"/>a eller omarbetade standar<span class=\"__8 _310\"/>der </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:854.93964px;\">d\u00e4r bed\u00f6mningen \u00e4r att dessa in<span class=\"__8 _310\"/>te f\u00e5r n\u00e5gon bety<span class=\"__8 _310\"/>dande inver-<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:841.4144px;\">kan p\u00e5 Nordeas redo<span class=\"__8 _310\"/>visning eller kapitalt\u00e4ckning f<span class=\"__8 _310\"/>\u00f6r den f\u00f6rs<span class=\"__8 _310\"/>ta </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws67_2\" style=\"left:0.013267517px; bottom:827.8893px;\">till\u00e4mpnings perioden:<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls3f_4 ws68_2\" style=\"left:0.013267517px; bottom:814.3641px;\">\u2022 <span class=\"__8 _11c_1\"> </span><span class=\"ws0_8\">\u00c4ndringar av IAS 1 Utf<span class=\"__8 _310\"/>ormning a<span class=\"__8 _310\"/>v \ufb01nansiella rapporter: Klas<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span></span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls3f_4 ws0_8\" style=\"left:13.242851px; bottom:800.83887px;\">si\ufb01cering a<span class=\"__8 _310\"/>v skulder som kort- eller l\u00e5ngfris<span class=\"__8 _310\"/>tiga liksom Klas<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls3f_4 ws0_8\" style=\"left:13.242851px; bottom:787.31366px;\">si\ufb01cering a<span class=\"__8 _310\"/>v skulder som kort- eller l\u00e5ngfris<span class=\"__8 _310\"/>tiga \u2013 ikrafttr<span class=\"__8 _310\"/>\u00e4<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls3f_4 ws0_8\" style=\"left:13.242851px; bottom:773.78845px;\">dandet senarelagt sam<span class=\"__8 _310\"/>t L\u00e5ngfristiga sk<span class=\"__8 _310\"/>ulder med kov<span class=\"__8 _310\"/>enanter<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:760.26324px;\">\u2022 <span class=\"__8 _11c_1\"> </span>\u00c4ndringar av IAS 8 R<span class=\"__8 _310\"/>edovisningsprinciper<span class=\"__8 _312\"/>, \u00e4ndringar i upp-<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:13.242851px; bottom:746.73804px;\">skattningar och bed\u00f6mningar sam<span class=\"__8 _310\"/>t fel: De\ufb01nition a<span class=\"__8 _312\"/>v upp<span class=\"__8 _311\"/>-<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:13.242851px; bottom:733.2128px;\">skattningar och bed\u00f6mningar<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:719.6877px;\">\u2022 <span class=\"__8 _11c_1\"> </span>\u00c4ndringar av IAS 1 Utf<span class=\"__8 _312\"/>ormning av \ufb01nansiella rapporter och </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:13.242851px; bottom:706.1625px;\"><span class=\"__8 _331\">IFRS praxis uttalande 2: Uppl</span><span class=\"__8 _310\"/>ysningar om </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:13.242851px; bottom:692.63727px;\">redovisningsprinciper<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:679.11206px;\">\u2022 <span class=\"__8 _11c_1\"> </span>F\u00f6r<span class=\"__8 _310\"/>eslagna \u00e4ndringar av IFRS 16 L<span class=\"__8 _310\"/>easing: Leasingskuld i ett </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:13.242851px; bottom:665.58685px;\">sale and leaseback-<span class=\"__8 _310\"/>a<span class=\"__8 _310\"/>vtal<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h19_3 ff3_7 fse_4 fc1_7 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:638.4703px;\">Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__8 _310\"/>ttningar<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:624.94116px;\">F\u00f6r a<span class=\"__8 _310\"/>tt uppr\u00e4tta \u00e5rsredo<span class=\"__8 _310\"/>visning i enlighet med god redovis-<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:611.416px;\">ningssed m\u00e5ste ledningen i vissa f<span class=\"__8 _310\"/>all anv<span class=\"__8 _310\"/>\u00e4nda sig av bed\u00f6m-<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:597.8908px;\">ningar och uppskattningar<span class=\"__8 _312\"/>. Det fak<span class=\"__8 _310\"/>tiska utfallet kan senar<span class=\"__8 _310\"/>e i </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:584.3656px;\">viss m\u00e5n avvika f<span class=\"__8 _310\"/>r\u00e5n de uppska<span class=\"__8 _310\"/>ttningar och antaganden som </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:570.8404px;\">gjorts. S\u00e5dana bed\u00f6mningar och uppskattningar beskrivs </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:557.3152px;\">under \u201dKritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar\u201d i </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:543.79px;\">ber\u00f6rda not<span class=\"__8 _310\"/>er<span class=\"__8 _312\"/>, med uppgift om bland annat:<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:530.2648px;\">\u2022 <span class=\"__8 _11c_1\"> </span>de k\u00e4llor till os\u00e4kerhet i uppskattningar vid r<span class=\"__8 _310\"/>apportperio-<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:13.242851px; bottom:516.73956px;\">dens slut som inneb\u00e4r en betydande risk f<span class=\"__8 _310\"/>\u00f6r en v\u00e4sen<span class=\"__8 _310\"/>tlig jus-<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:13.242851px; bottom:503.21442px;\">tering a<span class=\"__8 _310\"/>v de redovisade v<span class=\"__8 _310\"/>\u00e4rdena f\u00f6r tillg\u00e5ngar och sk<span class=\"__8 _310\"/>ulder </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:13.242851px; bottom:489.6892px;\">under n\u00e4stkommande r<span class=\"__8 _310\"/>\u00e4kenskaps\u00e5r<span class=\"__8 _312\"/>, och </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:476.164px;\">\u2022 <span class=\"__8 _11c_1\"> </span>de bed\u00f6mningar vid till\u00e4mpningen av r<span class=\"__8 _310\"/>edovisningsprinciper </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:13.242851px; bottom:462.6388px;\">(ut\u00f6ver de s<span class=\"__8 _310\"/>om g\u00e4ller uppskattningar) som har st<span class=\"__8 _310\"/>\u00f6rst inver-<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:13.242851px; bottom:449.1136px;\">kan p\u00e5 de redovisade beloppen.<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls40_4 ws0_8\" style=\"left:0.013267517px; bottom:422.05212px;\">Kritiska bed\u00f6mningar och uppskattningar \u00e4r fr<span class=\"__8 _310\"/>\u00e4mst h\u00e4n<span class=\"__8 _310\"/>f\u00f6rliga till:<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:408.52695px;\">\u2022 <span class=\"__8 _11c_1\"> </span>R\u00e4ntenett<span class=\"__8 _310\"/>o (not K2.2)<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:395.00174px;\">\u2022 <span class=\"__8 _11c_1\"> </span>Nettoresult<span class=\"__8 _310\"/>at a<span class=\"__8 _310\"/>v poster till verkligt v<span class=\"__8 _310\"/>\u00e4rde (not K2.4)<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:381.47653px;\">\u2022 <span class=\"__8 _11c_1\"> </span>V<span class=\"__8 _310\"/>erkligt v\u00e4r<span class=\"__8 _310\"/>de (not K3.4)<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:367.95132px;\">\u2022 <span class=\"__8 _11c_1\"> </span>Klassi\ufb01cering och v\u00e4rdering (no<span class=\"__8 _310\"/>t K3.3) </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:354.42615px;\">\u2022 <span class=\"__8 _11c_1\"> </span>Redovisning och bortbokning i balansr\u00e4kningen (no<span class=\"__8 _310\"/>t K3.<span class=\"__8 _312\"/>1)<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:340.90094px;\">\u2022 <span class=\"__8 _11c_1\"> </span>Pr\u00f6vning a<span class=\"__8 _310\"/>v nedskrivningsbehov<span class=\"__8 _310\"/>et f\u00f6r:</div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:17.372818px; bottom:327.37573px;\"> <span class=\"__8 _11d_1\"/>-<span class=\"__8 _11e_1\"> </span> Immateriella tillg\u00e5ngar (no<span class=\"__8 _310\"/>t K5.<span class=\"__8 _312\"/>1)</div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:17.372818px; bottom:313.85052px;\"> <span class=\"__8 _11d_1\"/>-<span class=\"__8 _11e_1\"> </span> Utl\u00e5ning (not K3.<span class=\"__8 _310\"/>7)<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:300.32535px;\">\u2022 <span class=\"__8 _11c_1\"> </span>Bed\u00f6mning av n<span class=\"__8 _310\"/>yttjandeperiod f\u00f6r imma<span class=\"__8 _310\"/>teriella tillg\u00e5ngar </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:13.242851px; bottom:286.80014px;\">(not K5.<span class=\"__8 _312\"/>1)<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:273.27493px;\">\u2022 <span class=\"__8 _11c_1\"> </span>S\u00e4kringsredovisning (no<span class=\"__8 _310\"/>t K3.6)<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:259.74973px;\">\u2022 <span class=\"__8 _11c_1\"> </span>Pensioner (not K8.2)<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:246.22455px;\">\u2022 <span class=\"__8 _11c_1\"> </span>F\u00f6rs\u00e4kringsa<span class=\"__8 _310\"/>vtal (not K4)<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:232.69934px;\">\u2022 <span class=\"__8 _11c_1\"> </span>F\u00f6rvaltningsf<span class=\"__8 _312\"/>astigheter (not K5.3)<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:219.17413px;\">\u2022 <span class=\"__8 _11c_1\"> </span>Leasing (not K5.4)<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:205.64893px;\">\u2022 <span class=\"__8 _11c_1\"> </span>Konsolider<span class=\"__8 _310\"/>ade f\u00f6r<span class=\"__8 _310\"/>etag (not K9.<span class=\"__8 _312\"/>1)<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:192.12375px;\">\u2022 <span class=\"__8 _11c_1\"> </span>Skatter (no<span class=\"__8 _310\"/>t K2.<span class=\"__8 _312\"/>10)<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:178.59854px;\">\u2022 <span class=\"__8 _11c_1\"> </span>A<span class=\"__8 _312\"/>vs\u00e4ttningar (not K6)<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:151.5371px;\">Nordea har anv<span class=\"__8 _310\"/>\u00e4nt sig a<span class=\"__8 _310\"/>v kritiska bed\u00f6mningar vid uppr\u00e4<span class=\"__8 _310\"/>ttan-<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:138.01189px;\">det av denna \u00e5rsredo<span class=\"__8 _310\"/>visning till f\u00f6ljd a<span class=\"__8 _312\"/>v os\u00e4kerheten ifr\u00e5ga om </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:124.486694px;\">de poten<span class=\"__8 _310\"/><span class=\"__8 _331\">tiella l\u00e5ngsiktiga eff</span><span class=\"__8 _312\"/>ekter som h\u00f6gre energi- och r<span class=\"__8 _310\"/>\u00e5v<span class=\"__8 _310\"/>a-<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:110.96149px;\">rupriser samt minskad priv<span class=\"__8 _310\"/>atkonsum<span class=\"__8 _310\"/>tion inom flera br<span class=\"__8 _310\"/>anscher </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:97.436295px;\">kan f\u00e5 p\u00e5 Nor<span class=\"__8 _310\"/>deas redovisning. S\u00e4rskilt vik<span class=\"__8 _310\"/>tiga omr\u00e5den under </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:83.91109px;\">2022 var pr\u00f6<span class=\"__8 _310\"/>vning av nedskrivningsbeho<span class=\"__8 _310\"/>vet f<span class=\"__8 _310\"/>\u00f6r goodwill och </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls0_8 ws0_8\" style=\"left:0.013267517px; bottom:70.385895px;\">utl\u00e5ning till allm\u00e4nheten/kreditinstitut.<span class=\"__8 _331\"> </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls3f_4 ws0_8\" style=\"left:13.242851px; bottom:56.860687px;\">F\u00f6r goodwill iden<span class=\"__8 _310\"/>ti\ufb01erades inget nedskrivningsbeho<span class=\"__8 _310\"/>v under </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls3f_4 ws0_8\" style=\"left:0.013267517px; bottom:43.335487px;\">2022, men det \ufb01nns os\u00e4kerhet i uppskattningarna a<span class=\"__8 _312\"/>v hur<span class=\"__8 _311\"/> </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls3f_4 ws68_2\" style=\"left:0.013267517px; bottom:29.810287px;\">Nordea<span class=\"ws0_8\">s redovisning p\u00e5<span class=\"__8 _312\"/>verkas p\u00e5 l\u00e5ng sikt. Nya bed\u00f6mningar </span></div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls3f_4 ws0_8\" style=\"left:0.013267517px; bottom:16.285088px;\">av nedskrivningsbeho<span class=\"__8 _310\"/>vet kommer a<span class=\"__8 _310\"/>tt g\u00f6ras f<span class=\"__8 _310\"/>ortl\u00f6pande. </div><div class=\"t_8 m0_8 h1a_3 ff4_7 fs8_7 fc2_6 sc0_8 ls3f_4 ws68_2\" style=\"left:0.013267517px; bottom:2.7598877px;\">Nordea<span class=\"ws0_8\">s samlade goodwill uppgick till 2 262 mn euro vid<span class=\"__8 _331\"> </span></span><span class=\"ws0_8\"> </span></div>utg\u00e5ngen a<span class=\"__8 _310\"/>v 2022 och till 1 975 mn euro vid utg\u00e5ngen a<span class=\"__8 _310\"/>v 2021. Prognoserna str<span class=\"__8 _310\"/>\u00e4cker sig fr<span class=\"__8 _310\"/>am till utg\u00e5ngen a<span class=\"__8 _310\"/>v 2025 och f\u00f6r de efterf\u00f6ljande perioderna an<span class=\"__8 _310\"/>v\u00e4ndes det l\u00e5ngsik<span class=\"__8 _310\"/>tiga tillv\u00e4xt<span class=\"__8 _310\"/>anta<span class=\"__8 _310\"/><span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>gandet. F\u00f6r mer inf<span class=\"__8 _310\"/>ormation om pr\u00f6<span class=\"__8 _310\"/>vning av nedskrivningsbe<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>hov f<span class=\"__8 _310\"/>\u00f6r goodwill, se not K5.<span class=\"__8 _312\"/>1 \u201dImmateriella tillg\u00e5ngar<span class=\"__8 _311\"/>\u201d<span class=\"__8 _312\"/>.<span class=\"__8 _331\"> </span>Kritiska bed\u00f6mningar har ocks\u00e5 anv\u00e4n<span class=\"__8 _310\"/>ts i bed\u00f6mningen a<span class=\"__8 _310\"/>v n\u00e4r l\u00e5n omf<span class=\"__8 _310\"/>attats a<span class=\"__8 _312\"/>v kraftigt \u00f6kad kreditrisk (enligt ka<span class=\"__8 _310\"/>tegoriin-<span class=\"__8 _331\"> </span>delningen) och f\u00f6r makr<span class=\"__8 _310\"/>oscenarier vid uppskattning a<span class=\"__8 _312\"/>v \u00f6kning-<span class=\"__8 _331\"> </span>en i f\u00f6rv\u00e4n<span class=\"__8 _310\"/>tade kreditf<span class=\"__8 _310\"/>\u00f6rlust<span class=\"__8 _310\"/>er<span class=\"__8 _312\"/>. Vid ber\u00e4kningen av individuella avs\u00e4<span class=\"__8 _310\"/>ttningar f\u00f6r bety<span class=\"__8 _310\"/>dande os\u00e4kra l\u00e5nef<span class=\"__8 _310\"/>ordringar anv<span class=\"__8 _310\"/>\u00e4ndes kritiska bed\u00f6mningar f\u00f6r a<span class=\"__8 _310\"/>tt uppskatta belopp och tidslinje f<span class=\"__8 _310\"/>\u00f6r de f\u00f6rv\u00e4n<span class=\"__8 _310\"/>tade kassafl\u00f6dena f<span class=\"__8 _310\"/>r\u00e5n kunder enligt olika sc<span class=\"__8 _310\"/>enarier<span class=\"__8 _312\"/>, och f\u00f6r a<span class=\"__8 _310\"/>tt v\u00e4rder<span class=\"__8 _310\"/>a even<span class=\"__8 _310\"/>tuellt erh\u00e5llna s\u00e4kerheter<span class=\"__8 _312\"/>. Vidare anv\u00e4ndes kritiska bed\u00f6mningar f<span class=\"__8 _312\"/>\u00f6r att fastst<span class=\"__8 _310\"/>\u00e4lla sannolikheten f\u00f6r a<span class=\"__8 _310\"/>tt de olika scenarierna skulle in<span class=\"__8 _310\"/>tr\u00e4<span class=\"__8 _310\"/><span class=\"__8 _331\">ffa. Mer in</span><span class=\"__8 _310\"/>forma<span class=\"__8 _310\"/>tion om pr\u00f6vning a<span class=\"__8 _310\"/>v nedskrivningsbehov<span class=\"__8 _310\"/>et f\u00f6r utl\u00e5ning till allm\u00e4nhe-<span class=\"__8 _331\"> </span>ten/kreditinstitut \ufb01nns i a<span class=\"__8 _312\"/>vsnittet \u201dKreditf\u00f6rlus<span class=\"__8 _310\"/>ter och liknande nettoresult<span class=\"__8 _310\"/>at\u201d p\u00e5 sidan 40, i not K3.7 \u201dUtl\u00e5ning\u201d och under \u201d\u00d6vrig inf<span class=\"__8 _310\"/>ormation\u201d p\u00e5 sidan 46. In<span class=\"__8 _310\"/>forma<span class=\"__8 _310\"/>tion om k\u00e4nsligheten f\u00f6r r<span class=\"__8 _310\"/>ating- och scoringf<span class=\"__8 _310\"/>\u00f6r\u00e4ndringar \ufb01nns i a<span class=\"__8 _312\"/>vsnittet \u201dK\u00e4nslighe-<span class=\"__8 _331\"> </span>ter<span class=\"__8 _311\"/>\u201d i not K11 \u201dRisk- och likvidit<span class=\"__8 _310\"/>etshantering\u201d<span class=\"__8 _331\"> </span><span class=\"__8 _a_7\"/>.<span class=\"__8 _331\"> </span>Omr\u00e4kning a<span class=\"__8 _310\"/>v tillg\u00e5ngar och skulder i utl\u00e4ndsk val<span class=\"__8 _310\"/>uta<span class=\"__8 _331\"> </span>En enhets (koncern<span class=\"__8 _310\"/>f\u00f6ret<span class=\"__8 _310\"/>ag eller \ufb01lial) funk<span class=\"__8 _310\"/>tionella valuta f<span class=\"__8 _310\"/>ast<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>st\u00e4lls utifr<span class=\"__8 _310\"/>\u00e5n den ekonomiska milj\u00f6 i vilken enhet<span class=\"__8 _310\"/>en prim\u00e4rt bedriver sin verksamhet. Utl\u00e4ndsk valuta de\ufb01nier<span class=\"__8 _310\"/>as som annan valuta \u00e4n enhetens f<span class=\"__8 _310\"/>unktionella v<span class=\"__8 _310\"/>aluta. <span class=\"__8 _312\"/>T<span class=\"__8 _312\"/>ransaktioner i utl\u00e4ndsk valuta r<span class=\"__8 _310\"/>edovisas till transak<span class=\"__8 _310\"/>tionsdagens kurs. Monet\u00e4ra till<span class=\"__8 _310\"/>g\u00e5ng<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>ar och skulder i utl\u00e4ndsk val<span class=\"__8 _310\"/>uta omr\u00e4knas till balansdagens kurs. V<span class=\"__8 _312\"/><span class=\"__8 _331\">alutakursdifferens</span><span class=\"__8 _310\"/>er som uppkommer vid reglering a<span class=\"__8 _310\"/>v trans<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>aktioner till k<span class=\"__8 _310\"/>urser som avvik<span class=\"__8 _310\"/>er fr\u00e5n dem p\u00e5 tr<span class=\"__8 _310\"/>ansaktionsdagen, liksom orealiserade omr<span class=\"__8 _310\"/><span class=\"__8 _331\">\u00e4kningsdiff</span><span class=\"__8 _310\"/>erenser p\u00e5 ej regler<span class=\"__8 _310\"/>ade mone<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>t\u00e4ra tillg\u00e5ngar och skulder i utl\u00e4ndsk v<span class=\"__8 _310\"/>aluta, redo<span class=\"__8 _310\"/>visas i resulta<span class=\"__8 _310\"/>t<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>r\u00e4kningen under \u201dNettore<span class=\"__8 _310\"/>sultat a<span class=\"__8 _310\"/>v post<span class=\"__8 _310\"/>er till verkligt v\u00e4rde\u201d<span class=\"__8 _a_7\"/>. V<span class=\"__8 _312\"/><span class=\"__8 _331\">alutakursdifferens</span><span class=\"__8 _310\"/>er som h\u00e4rr\u00f6r fr<span class=\"__8 _310\"/>\u00e5n interna, l\u00e5ngf<span class=\"__8 _310\"/>ristiga for<span class=\"__8 _310\"/>dringar p\u00e5 eller skulder till utl\u00e4ndska verksamhet<span class=\"__8 _310\"/>er d\u00e4r n\u00e5gon betalning varken planer<span class=\"__8 _310\"/>as eller sannolikt k<span class=\"__8 _310\"/>ommer att ske i fr<span class=\"__8 _310\"/>amtiden (i prak<span class=\"__8 _312\"/>tiken, en del av Nordeas nettoin<span class=\"__8 _310\"/>vestering i den utl\u00e4ndska verksamheten) redo<span class=\"__8 _310\"/>visas under \u00d6vrigt totalr<span class=\"__8 _310\"/>e-<span class=\"__8 _331\"> </span>sultat och omklassi\ufb01c<span class=\"__8 _310\"/>eras fr<span class=\"__8 _310\"/>\u00e5n eget kapital till resulta<span class=\"__8 _310\"/>tr\u00e4kning-<span class=\"__8 _331\"> </span>en n\u00e4r netto <span class=\"__8 _11f_1\"/>inves<span class=\"__8 _310\"/>teringen a<span class=\"__8 _310\"/>vyttras. F<span class=\"__8 _310\"/>\u00f6r omr\u00e4kning a<span class=\"__8 _310\"/>v de utl\u00e4ndska f\u00f6r<span class=\"__8 _310\"/>etagens och \ufb01lialernas \ufb01nansiella rapporter<span class=\"__8 _312\"/>, se not K9.2 \u201dV<span class=\"__8 _312\"/>alutaomr\u00e4kning av utl\u00e4ndska f<span class=\"__8 _312\"/>\u00f6retag/\ufb01lialer<span class=\"__8 _e_7\"/>\u201d<span class=\"__8 _a_7\"/>.<span class=\"__8 _331\"> </span>V<span class=\"__8 _312\"/>alutakurser<span class=\"__8 _331\"> </span>Jan\u2013dec 2022<span class=\"__8 _a8_1\"> </span>Jan\u2013<span class=\"__8 _311\"/>dec 2021<span class=\"__8 _331\"> </span>EUR 1 = svenska kronor<span class=\"__8 _331\"> </span>Resulta<span class=\"__8 _310\"/>tr\u00e4kning (genomsnitt)<span class=\"__8 _3a_3\"> </span>10,627<span class=\"__8 _312\"/>4<span class=\"__8 _c9_1\"> </span>10,1<span class=\"__8 _310\"/>460<span class=\"__8 _331\"> </span>Balansr\u00e4kning (vid periodens slut)<span class=\"__8 _7d_1\"> </span>11,<span class=\"__8 _312\"/>1202<span class=\"__8 _e8_1\"> </span>10,2913<span class=\"__8 _331\"> </span>EUR 1 = danska kronor<span class=\"__8 _331\"> </span>Resulta<span class=\"__8 _310\"/>tr\u00e4kning (genomsnitt)<span class=\"__8 _343\"> </span>7<span class=\"__8 _312\"/>,4395<span class=\"__8 _d8_1\"> </span>7,4370<span class=\"__8 _331\"> </span>Balansr\u00e4kning (vid periodens slut)<span class=\"__8 _337\"> </span>7<span class=\"__8 _310\"/>,4365<span class=\"__8 _b2_1\"> </span>7<span class=\"__8 _312\"/>,4364<span class=\"__8 _331\"> </span>EUR 1 = norska kronor<span class=\"__8 _331\"> </span>Resulta<span class=\"__8 _310\"/>tr\u00e4kning (genomsnitt)<span class=\"__8 _344\"> </span>10,<span class=\"__8 _312\"/>102<span class=\"__8 _311\"/>3<span class=\"__8 _e8_1\"> </span>10,<span class=\"__8 _312\"/>1655<span class=\"__8 _331\"> </span>Balansr\u00e4kning (vid periodens slut)<span class=\"__8 _f0_1\"> </span>10,5180<span class=\"__8 _c9_1\"> </span>10,0185<span class=\"__8 _331\"> </span>RUB 1 = ryska rubel<span class=\"__8 _331\"> </span>Resulta<span class=\"__8 _310\"/>tr\u00e4kning (genomsnitt)<span class=\"__8 _345\"> </span>73,9902<span class=\"__8 _346\"> </span>87<span class=\"__8 _312\"/>,<span class=\"__8 _310\"/>1828<span class=\"__8 _331\"> </span>Balansr\u00e4kning (vid periodens slut)<span class=\"__8 _334\"> </span>78,5146<span class=\"__8 _a9_1\"> </span>85,0140<span class=\"__8 _331\"> </span>F<span class=\"__8 _310\"/>\u00f6r\u00e4ndringar i konc<span class=\"__8 _310\"/>ernstruktur<span class=\"__8 _310\"/>en<span class=\"__8 _331\"> </span>I enlighet med stra<span class=\"__8 _310\"/>tegin f<span class=\"__8 _310\"/>okuserar Nor<span class=\"__8 _310\"/>dea p\u00e5 sin verksamhet i Norden. Som en f<span class=\"__8 _310\"/>\u00f6ljd av detta har Nor<span class=\"__8 _310\"/>deakoncernen a<span class=\"__8 _310\"/>vveckla<span class=\"__8 _310\"/>t sin verksamhet i Ryssland. F<span class=\"__8 _310\"/>\u00f6r ytterligare in<span class=\"__8 _310\"/>forma<span class=\"__8 _310\"/>tion, se not K2.4 \u201dSumma nettoresult<span class=\"__8 _310\"/>at a<span class=\"__8 _310\"/>v poster till verkligt v<span class=\"__8 _310\"/>\u00e4rde\u201d<span class=\"__8 _a_7\"/>. F\u00f6r inf<span class=\"__8 _310\"/>ormation om andra f<span class=\"__8 _312\"/>\u00f6r\u00e4ndringar i koncernstruk<span class=\"__8 _310\"/>turen, se not <span class=\"__8 _331\">K9.6 \u201dF\u00f6rv\u00e4rv</span>\u201d<span class=\"__8 _312\"/>.<div class=\"t_9 m0_9 h5_8 ff1_9 fs3_8 fc0_9 sc0_9 ls0_9 ws3_8\" style=\"left:0.013267517px; bottom:270.7953px;\">K2.<span class=\"__9 _357\"/>1 Segmentr<span class=\"__9 _348\"/>apportering<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h6_8 ff1_9 fs4_8 fc1_8 sc0_9 ls0_9 ws0_9\" style=\"left:7.383362px; bottom:243.7384px;\">Redovisningsprinciper<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:219.15411px;\">Ett r\u00f6relsesegmen<span class=\"__9 _348\"/>t utg\u00f6r en del a<span class=\"__9 _348\"/>v Nordea s<span class=\"__9 _348\"/>om genererar<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:205.6289px;\">int\u00e4k<span class=\"__9 _348\"/>ter och kos<span class=\"__9 _348\"/>tnader som regelbundet r<span class=\"__9 _348\"/>apporteras till h\u00f6g-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:192.1037px;\">sta verks<span class=\"__9 _348\"/>t\u00e4llande beslutsf<span class=\"__9 _348\"/>attar<span class=\"__9 _348\"/>e och d\u00e4r de rapporterade upp-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:178.57849px;\">gifterna anv\u00e4nds s<span class=\"__9 _348\"/>om beslutsunderlag i fr<span class=\"__9 _348\"/>\u00e5gor som r\u00f6r<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:165.05328px;\">verksamheten.<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:12.908623px; bottom:151.52808px;\">V<span class=\"__9 _348\"/>\u00e4rderingsprinciper och allok<span class=\"__9 _348\"/>eringar mellan r\u00f6relseseg-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:138.00287px;\">menten f<span class=\"__9 _348\"/>\u00f6ljer<span class=\"__9 _357\"/>, i enlighet med IFRS 8<span class=\"__9 _a_8\"/>, den inf<span class=\"__9 _348\"/>ormation som<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:124.47772px;\">rapporteras till den h\u00f6gst<span class=\"__9 _348\"/>a verkst\u00e4llande be<span class=\"__9 _348\"/>slutsfa<span class=\"__9 _348\"/>ttaren. I<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:110.952515px;\">Nordea de\ufb01nieras h\u00f6gs<span class=\"__9 _348\"/>ta verkst<span class=\"__9 _348\"/>\u00e4llande beslutsf<span class=\"__9 _348\"/>attare som<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:97.42731px;\">koncernchef<span class=\"__9 _348\"/>en, som bist\u00e5s a<span class=\"__9 _348\"/>v de \u00f6<span class=\"__9 _348\"/>vriga medlemmarna i<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:83.9021px;\">koncernledningen.<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:12.908623px; bottom:70.37689px;\">Nordea l\u00e4mnar upplysningar separ<span class=\"__9 _348\"/>at om v<span class=\"__9 _348\"/>arje r\u00f6relses<span class=\"__9 _348\"/>eg-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:56.851685px;\">ment som har iden<span class=\"__9 _348\"/>ti\ufb01era<span class=\"__9 _348\"/>ts som ett r\u00f6relse<span class=\"__9 _348\"/>segment, f\u00f6rutsa<span class=\"__9 _348\"/>tt<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:43.326477px;\">att f<span class=\"__9 _348\"/>\u00f6ljande kvan<span class=\"__9 _348\"/>titativa gr<span class=\"__9 _348\"/>\u00e4nsv\u00e4r<span class=\"__9 _348\"/>den har uppn\u00e5tts:<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:29.80127px;\">\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">Segmentets in<span class=\"__9 _348\"/>t\u00e4k<span class=\"__9 _348\"/>ter (in<span class=\"__9 _348\"/>terna och ex<span class=\"__9 _348\"/>terna) utg\u00f6r 10 proc<span class=\"__9 _348\"/>ent<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws4_8\" style=\"left:12.908623px; bottom:16.276123px;\">eller mer av de samlade in<span class=\"__9 _348\"/>t\u00e4k<span class=\"__9 _348\"/>terna (in<span class=\"__9 _348\"/>terna och ex<span class=\"__9 _348\"/>terna) f<span class=\"__9 _348\"/>\u00f6r<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws4_8\" style=\"left:12.908623px; bottom:2.7509155px;\">alla r\u00f6relsesegmen<span class=\"__9 _348\"/>t<span class=\"__9 _356\"> </span></div><span class=\"ws4_8\">Segmentets r<span class=\"__9 _348\"/>esulta<span class=\"__9 _348\"/>t utg\u00f6r 10 procen<span class=\"__9 _348\"/>t eller mer a<span class=\"__9 _348\"/>v det  <span class=\"__9 _c_8\"/>s<span class=\"__9 _348\"/>t\u00f6rre<span class=\"__9 _356\"> </span></span>(i absoluta tal) a<span class=\"__9 _348\"/>v:<span class=\"__9 _356\"> </span> <span class=\"__9 _388\"/>-<span class=\"__9 _389\"> </span>den samlade vinsten f<span class=\"__9 _348\"/>\u00f6r alla l\u00f6nsamma segmen<span class=\"__9 _348\"/>t, eller<span class=\"__9 _356\"> </span> <span class=\"__9 _388\"/>-<span class=\"__9 _389\"> </span>den samlade f\u00f6rlus<span class=\"__9 _348\"/>ten f<span class=\"__9 _348\"/>\u00f6r alla segment s<span class=\"__9 _348\"/>om redovisa<span class=\"__9 _348\"/>t en<span class=\"__9 _356\"> </span> f\u00f6rlus<span class=\"__9 _348\"/>t<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">Segmentets tillg\u00e5ngar ut<span class=\"__9 _348\"/>g\u00f6r 10 procen<span class=\"__9 _348\"/>t eller mer a<span class=\"__9 _348\"/>v de sam<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span></span>lade tillg\u00e5ngarna f\u00f6r alla r<span class=\"__9 _348\"/>\u00f6relsesegmen<span class=\"__9 _348\"/>t.<span class=\"__9 _356\"> </span>T<span class=\"__9 _348\"/>v<span class=\"__9 _348\"/>\u00e5 eller fler r\u00f6r<span class=\"__9 _348\"/>elsesegment sl\u00e5s samman till ett r<span class=\"__9 _348\"/>\u00f6relseseg-<span class=\"__9 _356\"> </span>ment om segmen<span class=\"__9 _348\"/>ten har likartade ekonomiska egenskaper<span class=\"__9 _356\"> </span> och \u00e4v<span class=\"__9 _348\"/>en liknar varandr<span class=\"__9 _348\"/>a med a<span class=\"__9 _348\"/>vseende p\u00e5 produk<span class=\"__9 _348\"/>ter och<span class=\"__9 _356\"> </span> tj\u00e4nster<span class=\"__9 _357\"/>, produktionsprocesser<span class=\"__9 _357\"/>, kunder<span class=\"__9 _348\"/>, distributionss\u00e4<span class=\"__9 _348\"/>tt och<span class=\"__9 _356\"> </span> regelv<span class=\"__9 _348\"/>erk.<span class=\"__9 _356\"> </span> Inf<span class=\"__9 _348\"/><span class=\"__9 _356\">ormation om annan aff</span><span class=\"__9 _348\"/>\u00e4rsverksamhet och r\u00f6r<span class=\"__9 _348\"/>elseseg-<span class=\"__9 _356\"> </span>ment som in<span class=\"__9 _348\"/>te har redo<span class=\"__9 _348\"/>visats separ<span class=\"__9 _348\"/>at sammanf<span class=\"__9 _348\"/>\u00f6rs i en egen<span class=\"__9 _356\"> </span> kategori \u2013 \u201d\u00d6vriga r<span class=\"__9 _348\"/>\u00f6relsesegmen<span class=\"__9 _348\"/>t\u201d \u2013 f\u00f6r vilken upplysningar<span class=\"__9 _356\"> </span> l\u00e4mnas.<span class=\"__9 _356\"> </span>K2.2 R\u00e4ntenetto<span class=\"__9 _356\"> </span>Redovisningsprinciper R\u00e4nta utg\u00f6rs a<span class=\"__9 _413\"/>v ers\u00e4ttning f\u00f6r pengars tidsv\u00e4rde plus en mar-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">ginal. Effek</span><span class=\"__9 _413\"/>tivr\u00e4ntan motsv<span class=\"__9 _413\"/>arar den r\u00e4nta som an<span class=\"__9 _413\"/>v\u00e4nds f\u00f6r att diskont<span class=\"__9 _413\"/>era f\u00f6rv\u00e4ntade f<span class=\"__9 _413\"/>ramtida kassafl\u00f6den till redo<span class=\"__9 _413\"/>visat v\u00e4rde p\u00e5 den \ufb01nansiella tillg\u00e5ngen eller sk<span class=\"__9 _413\"/>ulden vid f\u00f6rsta redovisnings<span class=\"__9 _348\"/>tillf\u00e4llet.<span class=\"__9 _356\"> </span>R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter och r\u00e4n<span class=\"__9 _413\"/>tekostnader ber\u00e4knas och redo<span class=\"__9 _413\"/>visas <span class=\"__9 _356\">med effek</span><span class=\"__9 _413\"/>tivr\u00e4ntemetoden eller<span class=\"__9 _357\"/>, om s\u00e5 anses l\u00e4mpligt, med en metod som ger en rimlig uppskattning a<span class=\"__9 _413\"/>v vad en ber\u00e4k<span class=\"__9 _413\"/>-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">ning grundad p\u00e5 effek</span><span class=\"__9 _413\"/>tivr\u00e4ntemetoden sk<span class=\"__9 _413\"/><span class=\"__9 _356\">ulle ge. Effektivr</span><span class=\"__9 _413\"/>\u00e4n-<span class=\"__9 _356\"> </span>tan innefa<span class=\"__9 _413\"/>ttar avgifter som anse<span class=\"__9 _348\"/><span class=\"__9 _356\">s ing\u00e5 i effek</span><span class=\"__9 _413\"/>tivr\u00e4ntan f<span class=\"__9 _413\"/>\u00f6r ett \ufb01nansiellt instrumen<span class=\"__9 _413\"/>t (vanligen avgifter erh\u00e5llna s<span class=\"__9 _413\"/>om kom-<span class=\"__9 _356\"> </span>pensation f<span class=\"__9 _413\"/>\u00f6r risk). R\u00e4nteint\u00e4k<span class=\"__9 _413\"/>ter och r\u00e4ntekos<span class=\"__9 _413\"/>tnader fr\u00e5n \ufb01nansiella instrument klassi\ufb01c<span class=\"__9 _413\"/>eras, med nedanst\u00e5ende undantag, som \u201dR\u00e4n<span class=\"__9 _413\"/>tenetto\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter och r\u00e4n<span class=\"__9 _413\"/>tekostnader h\u00e4nf<span class=\"__9 _413\"/>\u00f6rliga till balanspos-<span class=\"__9 _356\"> </span>ter redovisade till v<span class=\"__9 _413\"/>erkligt v\u00e4rde inom Markets och Life &amp; P<span class=\"__9 _413\"/>en-<span class=\"__9 _356\"> </span>sion klassi\ufb01ceras i re<span class=\"__9 _348\"/>sultatr<span class=\"__9 _413\"/>\u00e4kningen som \u201dNettoresultat a<span class=\"__9 _413\"/>v poster till verkligt v<span class=\"__9 _413\"/>\u00e4rde\u201d<span class=\"__9 _413\"/>. \u00c4<span class=\"__9 _413\"/>ven r\u00e4n<span class=\"__9 _413\"/>tan h\u00e4nf\u00f6rlig till netto<span class=\"__9 _413\"/>\ufb01-<span class=\"__9 _356\"> </span>nansieringen av v<span class=\"__9 _413\"/>erksamheten inom Markets och Life &amp; Pen-<span class=\"__9 _356\"> </span>sion (samt en portf\u00f6lj med r<span class=\"__9 _413\"/>\u00e4nteb\u00e4rande v\u00e4r<span class=\"__9 _413\"/>depapper i Life &amp; Pension) v\u00e4r<span class=\"__9 _413\"/><span class=\"__9 _356\">derad till upplupet anskaffningsv\u00e4r</span><span class=\"__9 _413\"/>de redovisas under \u201dNettoresult<span class=\"__9 _348\"/>at a<span class=\"__9 _413\"/>v poster till verkligt v\u00e4rde\u201d f<span class=\"__9 _413\"/>\u00f6r att s\u00e4kerst\u00e4lla att in<span class=\"__9 _413\"/>t\u00e4kter och kos<span class=\"__9 _348\"/>tnader i dessa verksamheter redovisas p\u00e5 ett kons<span class=\"__9 _348\"/>ekvent s\u00e4<span class=\"__9 _413\"/>tt<span class=\"__9 _a_8\"/>. Se not K2.4 \u201dSumma netto-<span class=\"__9 _356\"> </span>resulta<span class=\"__9 _413\"/>t av poster till verkligt v<span class=\"__9 _413\"/>\u00e4rde\u201d<span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>R\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat klassi\ufb01cer<span class=\"__9 _413\"/>as som \u201dNettoresul-<span class=\"__9 _356\"> </span>tat a<span class=\"__9 _413\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>, med undantag f<span class=\"__9 _413\"/>\u00f6r derivat som innehas f\u00f6r s\u00e4kringssyfte. I r<span class=\"__9 _348\"/>edovisningss\u00e4kringar klas-<span class=\"__9 _356\"> </span>si\ufb01ceras r<span class=\"__9 _348\"/>\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat som \u201dR\u00e4n<span class=\"__9 _413\"/>teint\u00e4kt<span class=\"__9 _413\"/>er fr\u00e5n anv\u00e4ndande a<span class=\"__9 _413\"/><span class=\"__9 _356\">v effektivr</span><span class=\"__9 _413\"/>\u00e4ntemetoden\u201d om deriva<span class=\"__9 _413\"/>tet anv\u00e4nds f\u00f6r a<span class=\"__9 _413\"/>tt risks\u00e4kra en tillg\u00e5ng och som \u201dR\u00e4ntekos<span class=\"__9 _348\"/>tnader<span class=\"__9 _a_8\"/>\u201d om derivat<span class=\"__9 _348\"/>et anv\u00e4nds f<span class=\"__9 _413\"/>\u00f6r att risks\u00e4kra en skuld. I ekonomiska s\u00e4kringar klassi\ufb01ceras r<span class=\"__9 _348\"/>\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat som \u201d\u00d6vri-<span class=\"__9 _356\"> </span>ga r\u00e4n<span class=\"__9 _348\"/>teint\u00e4k<span class=\"__9 _413\"/>ter<span class=\"__9 _a_8\"/>\u201d om derivatet anv<span class=\"__9 _413\"/>\u00e4nds f\u00f6r att risks\u00e4kra en tillg\u00e5ng och som \u201dR\u00e4nt<span class=\"__9 _348\"/>ekostnader<span class=\"__9 _a_8\"/>\u201d om deriva<span class=\"__9 _348\"/>tet anv\u00e4nds f<span class=\"__9 _413\"/>\u00f6r att risks\u00e4kra en sk<span class=\"__9 _413\"/>uld<span class=\"__9 _356\"> </span>.<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vkastningen p\u00e5 \ufb01nansiella tillg\u00e5ngar redovisas p\u00e5 tre rader i resul<span class=\"__9 _348\"/>tatr\u00e4kningen: \u201dR\u00e4n<span class=\"__9 _413\"/>teint\u00e4k<span class=\"__9 _413\"/>ter fr\u00e5n anv\u00e4ndande a<span class=\"__9 _413\"/>v <span class=\"__9 _356\">effek</span><span class=\"__9 _413\"/>tivr\u00e4ntemetoden\u201d<span class=\"__9 _357\"/>, \u201d\u00d6vriga r\u00e4n<span class=\"__9 _348\"/>teint<span class=\"__9 _348\"/>\u00e4kter\u201d och \u201dNegativ avkas<span class=\"__9 _413\"/>tning p\u00e5 \ufb01nansiella tillg\u00e5ngar<span class=\"__9 _425\"/>\u201d<span class=\"__9 _357\"/>. Under posten \u201dR\u00e4ntein-<span class=\"__9 _356\"> </span>t\u00e4kt<span class=\"__9 _348\"/>er fr\u00e5n an<span class=\"__9 _348\"/>v\u00e4ndande a<span class=\"__9 _413\"/><span class=\"__9 _356\">v effektivr</span><span class=\"__9 _413\"/>\u00e4ntemetoden\u201d redovisar Nordea r\u00e4n<span class=\"__9 _413\"/>teint\u00e4kt<span class=\"__9 _413\"/>er fr\u00e5n \ufb01nansiella tillg\u00e5ngar v\u00e4rderade till <span class=\"__9 _356\">upplupet anskaffningsv</span><span class=\"__9 _413\"/>\u00e4rde eller till verkligt v\u00e4rde via \u00f6vrigt totalr<span class=\"__9 _348\"/>esultat. Resul<span class=\"__9 _348\"/>tatr\u00e4kningspos<span class=\"__9 _413\"/>ten \u201d\u00d6vriga r\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter<span class=\"__9 _a_8\"/>\u201d innefa<span class=\"__9 _413\"/>ttar r\u00e4ntein<span class=\"__9 _348\"/>t\u00e4kt<span class=\"__9 _348\"/>er fr\u00e5n e<span class=\"__9 _413\"/>xempelvis l\u00e5n v\u00e4r<span class=\"__9 _413\"/>derade till verkligt v\u00e4r<span class=\"__9 _348\"/>de via resulta<span class=\"__9 _413\"/>tr\u00e4kningen eftersom de inte uppfyl<span class=\"__9 _348\"/>-<span class=\"__9 _356\"> </span>ler SPPI-kriteriet (som anger att kassa<span class=\"__9 _413\"/>fl\u00f6det enbar<span class=\"__9 _a_8\"/>t ska utg\u00f6-<span class=\"__9 _356\"> </span>ras a<span class=\"__9 _413\"/>v betalning av kapitalbelopp och r\u00e4n<span class=\"__9 _413\"/>ta). Negativ avkas<span class=\"__9 _413\"/>t-<span class=\"__9 _356\"> </span>ning p\u00e5 \ufb01nansiella tillg\u00e5ngar och skulder redo<span class=\"__9 _348\"/>visas under \u201dNegativ a<span class=\"__9 _413\"/>vkastning p\u00e5 \ufb01nansiella tillg\u00e5ngar<span class=\"__9 _a_8\"/>\u201d respektive \u201dNegativ a<span class=\"__9 _413\"/>vkastning p\u00e5 \ufb01nansiella skulder<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _356\"> </span>K2.4 <span class=\"__9 _b6_2\"> </span> <span class=\"__9 _b7_2\"/>Summa nettoresul<span class=\"__9 _413\"/>tat a<span class=\"__9 _413\"/>v poster till v<span class=\"__9 _413\"/>erkligt v\u00e4rde<span class=\"__9 _356\"> </span>Redovsningsprinciper<span class=\"__9 _356\"> </span> Nettoresul<span class=\"__9 _413\"/>tat av post<span class=\"__9 _413\"/>er till verkligt v\u00e4rde<span class=\"__9 _356\"> </span>Realiserade och or<span class=\"__9 _413\"/>ealiserade vinster och f<span class=\"__9 _348\"/>\u00f6rluster p\u00e5 \ufb01nansiella<span class=\"__9 _356\"> </span> instrument och f<span class=\"__9 _413\"/>\u00f6rvaltningsfastighet<span class=\"__9 _413\"/>er v\u00e4rderade till verkligt<span class=\"__9 _356\"> </span> v\u00e4rde r<span class=\"__9 _348\"/>edovisas normalt under \u201dNettor<span class=\"__9 _413\"/>esultat av pos<span class=\"__9 _413\"/>ter till verkligt<span class=\"__9 _a_8\"/> v\u00e4rde\u201d<span class=\"__9 _357\"/>. F\u00f6r in<span class=\"__9 _413\"/>formation om de redovisningsprinciper som an<span class=\"__9 _413\"/>v\u00e4nds<span class=\"__9 _a_8\"/> vid ber\u00e4kning a<span class=\"__9 _413\"/>v verkligt v\u00e4rde, se not K3.4 \u201dV<span class=\"__9 _413\"/>erkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span> Dessutom ing\u00e5r f<span class=\"__9 _348\"/>\u00f6ljande poster i \u201dNettor<span class=\"__9 _413\"/>esultat av pos<span class=\"__9 _413\"/>ter till<span class=\"__9 _356\"> </span> verkligt v\u00e4r<span class=\"__9 _348\"/>de\u201d:<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter och r\u00e4n<span class=\"__9 _413\"/>tekostnader<span class=\"__9 _413\"/>, h\u00e4nf<span class=\"__9 _413\"/>\u00f6rliga till \ufb01nansierin<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span></span>gen av v<span class=\"__9 _413\"/>erksamheten inom Markets och Life &amp; Pension (sam<span class=\"__9 _413\"/>t<span class=\"__9 _356\"> </span> en portf\u00f6lj med r\u00e4n<span class=\"__9 _413\"/>teb\u00e4rande v\u00e4rdepapper i Lif<span class=\"__9 _413\"/>e &amp; Pension)<span class=\"__9 _356\"> </span> v\u00e4rder<span class=\"__9 _413\"/><span class=\"__9 _356\">ade till upplupet anskaffningsv\u00e4rde.<span class=\"__9 _356\"> </span></span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">Realiserade vins<span class=\"__9 _413\"/>ter/f\u00f6rl<span class=\"__9 _348\"/>uster p\u00e5 tillg\u00e5ngar och sk<span class=\"__9 _348\"/>ulder<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>v\u00e4rder<span class=\"__9 _413\"/><span class=\"__9 _356\">ade till upplupet anskaffningsv\u00e4rde.<span class=\"__9 _356\"> </span></span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\"> Omv\u00e4r<span class=\"__9 _348\"/>deringen av s\u00e4kr<span class=\"__9 _413\"/>ade risker i s\u00e4krade poster i<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>s\u00e4kringsredovisningen.<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span>V<span class=\"__9 _413\"/>alutakursf\u00f6r<span class=\"__9 _413\"/>\u00e4ndringar<span class=\"__9 _356\"> </span> \u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">F\u00f6r<span class=\"__9 _413\"/>\u00e4ndringar i skulder till f\u00f6rs\u00e4kringstagare och riskr<span class=\"__9 _348\"/>esultat<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>fr\u00e5n f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsavtal inom Life &amp; P<span class=\"__9 _413\"/>ension redovisas enligt<span class=\"__9 _356\"> </span> IFRS 4 (se ytterligare in<span class=\"__9 _413\"/>formation nedan).<span class=\"__9 _356\"> </span>F\u00f6ljande pos<span class=\"__9 _413\"/>ter ing\u00e5r inte i \u201dNettoresul<span class=\"__9 _348\"/>tat a<span class=\"__9 _413\"/>v poster till verkligt<span class=\"__9 _356\"> </span> v\u00e4rde\u201d:<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">R\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat som an<span class=\"__9 _413\"/>v\u00e4nds f\u00f6r s\u00e4kringsredo<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span></span>visning och ekonomiska s\u00e4kringar<span class=\"__9 _413\"/>. Dessa komponen<span class=\"__9 _348\"/>ter<span class=\"__9 _356\"> </span> redovisas under \u201dR\u00e4n<span class=\"__9 _413\"/>tenetto\u201d f\u00f6r att s\u00e4k<span class=\"__9 _348\"/>erst\u00e4lla redovis<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>ningsm\u00e4ssig \u00f6verenss<span class=\"__9 _413\"/>t\u00e4mmelse med de s\u00e4krade posterna.<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">F\u00f6rlus<span class=\"__9 _413\"/>ter fr\u00e5n motpartsrisk p\u00e5 utl\u00e5ning i portf\u00f6ljer som h\u00e5lls<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>till f\u00f6rf<span class=\"__9 _348\"/>all och obligatorisk<span class=\"__9 _413\"/>t v\u00e4rderas till verkligt v<span class=\"__9 _348\"/>\u00e4rde (uppf<span class=\"__9 _413\"/><span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>yller inte krit<span class=\"__9 _413\"/>eriet att kassafl\u00f6det enbart ska utg\u00f6ras av bet<span class=\"__9 _348\"/>al<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>ning av kapit<span class=\"__9 _348\"/>albelopp och r\u00e4n<span class=\"__9 _348\"/>ta) redovisas under den separ<span class=\"__9 _413\"/>at<span class=\"__9 _356\"> </span> posten \u201dNettor<span class=\"__9 _413\"/>esultat av utl\u00e5ning i portf<span class=\"__9 _348\"/>\u00f6ljer som h\u00e5lls till f\u00f6r<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>fall och obliga<span class=\"__9 _348\"/>toriskt v<span class=\"__9 _413\"/>\u00e4rderas till verkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Int\u00e4k<span class=\"__9 _413\"/>tsredovisningen och beteckningarna f\u00f6r de pos<span class=\"__9 _413\"/>ter som<span class=\"__9 _356\"> </span> avser livf<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsverksamheten beskrivs under \u201dInt\u00e4k<span class=\"__9 _413\"/>tsredo<span class=\"__9 _a_8\"/>-<span class=\"__9 _356\"> </span>visning livf\u00f6rs\u00e4kring\u201d nedan.<span class=\"__9 _356\"> </span>F\u00f6r fler r<span class=\"__9 _413\"/>edovisningsprinciper avseende valut<span class=\"__9 _348\"/>akursf\u00f6r<span class=\"__9 _413\"/>\u00e4nd-<span class=\"__9 _356\"> </span>ringar<span class=\"__9 _413\"/>, se not K1 \u201dRedovisningsprinciper\u201d och not K9.2 \u201dV<span class=\"__9 _413\"/>aluta-<span class=\"__9 _356\"> </span>omr\u00e4kning a<span class=\"__9 _413\"/>v utl\u00e4ndska f\u00f6retag/\ufb01lialer<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>Nettoresul<span class=\"__9 _413\"/>tat av utl\u00e5ning i portf<span class=\"__9 _348\"/>\u00f6ljer som h\u00e5lls till<span class=\"__9 _356\"> </span> f\u00f6rf<span class=\"__9 _413\"/>all och obligatoriskt v\u00e4r<span class=\"__9 _413\"/>deras till verkligt v\u00e4rde<span class=\"__9 _356\"> </span>Post<span class=\"__9 _413\"/>en \u201dNettoresultat a<span class=\"__9 _413\"/>v utl\u00e5ning i por<span class=\"__9 _a_8\"/>tf\u00f6ljer som h\u00e5lls till f<span class=\"__9 _413\"/>\u00f6r-<span class=\"__9 _356\"> </span>fall och obliga<span class=\"__9 _348\"/>toriskt v<span class=\"__9 _413\"/>\u00e4rderas till verkligt v\u00e4rde\u201d inkl<span class=\"__9 _413\"/>uderar jus-<span class=\"__9 _356\"> </span>teringar till verkligt v\u00e4r<span class=\"__9 _413\"/>de av marginalkomponen<span class=\"__9 _413\"/>ten f\u00f6r l\u00e5ne-<span class=\"__9 _356\"> </span>for<span class=\"__9 _348\"/>dringar i portf\u00f6ljer d\u00e4r a<span class=\"__9 _413\"/>vsikten \u00e4r att beh\u00e5lla instrumen<span class=\"__9 _413\"/>ten<span class=\"__9 _356\"> </span> till f\u00f6rf<span class=\"__9 _348\"/>all och d\u00e4r dessa m\u00e5ste v<span class=\"__9 _413\"/>\u00e4rderas till verkligt v\u00e4rde (upp-<span class=\"__9 _356\"> </span>fyller inte SPPI-krit<span class=\"__9 _413\"/>eriet). L\u00e5nefordringarna klassi\ufb01cer<span class=\"__9 _348\"/>as i kate-<span class=\"__9 _356\"> </span>gorin \u201dFinansiella tillg\u00e5ngar v\u00e4rder<span class=\"__9 _413\"/>ade till verkligt v\u00e4rde via<span class=\"__9 _356\"> </span> resulta<span class=\"__9 _413\"/>tr\u00e4kningen\u201d och redovisas under posten \u201dUtl\u00e5ning till<span class=\"__9 _356\"> </span> allm\u00e4nheten\u201d i balansr\u00e4kningen. Jus<span class=\"__9 _348\"/>teringar till verkligt v\u00e4r<span class=\"__9 _413\"/>de<span class=\"__9 _356\"> </span> avser f<span class=\"__9 _413\"/>r\u00e4mst f\u00f6r<span class=\"__9 _413\"/>\u00e4ndringar i kreditrisk.<span class=\"__9 _356\"> </span>F\u00f6rlus<span class=\"__9 _413\"/>ter fr\u00e5n motpartsrisk i instrumen<span class=\"__9 _413\"/>t som klassi\ufb01cerats i<span class=\"__9 _356\"> </span> kategorin \u201dFinansiella tillg\u00e5ngar v<span class=\"__9 _413\"/>\u00e4rderade till verkligt v\u00e4rde<span class=\"__9 _356\"> </span>via resulta<span class=\"__9 _413\"/>tr\u00e4kningen\u201d redovisas under \u201dNettoresul<span class=\"__9 _348\"/>tat a<span class=\"__9 _413\"/>v poste<span class=\"__9 _356\"> </span>r<span class=\"__9 _356\"> </span> till verkligt v\u00e4r<span class=\"__9 _348\"/>de\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Nedskrivningar avseende ins<span class=\"__9 _413\"/>trument i andra kategorier \u00e4n<span class=\"__9 _356\"> </span> \u201dFinansiella tillg\u00e5ngar v\u00e4rder<span class=\"__9 _413\"/>ade till verkligt v\u00e4rde via resulta<span class=\"__9 _413\"/>t-<span class=\"__9 _356\"> </span>r\u00e4kningen\u201d redo<span class=\"__9 _348\"/>visas under posten \u201dKreditf<span class=\"__9 _413\"/>\u00f6rluster<span class=\"__9 _413\"/>, netto\u201d<span class=\"__9 _357\"/>. F\u00f6r<span class=\"__9 _356\"> </span> ytterligare in<span class=\"__9 _348\"/>forma<span class=\"__9 _413\"/>tion, se not K2.9 \u201dKreditf\u00f6rlus<span class=\"__9 _413\"/>ter<span class=\"__9 _425\"/>\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>K2.5 <span class=\"__9 _b6_2\"> </span>\u00d6vriga r\u00f6rels<span class=\"__9 _348\"/>eint\u00e4k<span class=\"__9 _413\"/>ter<span class=\"__9 _356\"> </span>Redovisningsprinciper<span class=\"__9 _356\"> </span>Nettovinst<span class=\"__9 _413\"/>er fr\u00e5n avyttring a<span class=\"__9 _413\"/>v aktier i koncern<span class=\"__9 _413\"/>f\u00f6retag, intr<span class=\"__9 _413\"/>essef\u00f6<span class=\"ls0_9\">-<span class=\"__9 _356\"> </span></span>retag och join<span class=\"__9 _348\"/>t ventur<span class=\"__9 _413\"/>es, nettovinster fr<span class=\"__9 _413\"/>\u00e5n avyttring av ma<span class=\"__9 _413\"/>teriella tillg\u00e5ngar liksom andra transak<span class=\"__9 _413\"/>tioner som inte kan h\u00e4n<span class=\"__9 _413\"/>f\u00f6ras till n\u00e5gon annan int\u00e4k<span class=\"__9 _413\"/>tspost redovisas normalt under \u201d\u00d6vriga r\u00f6r<span class=\"__9 _413\"/>el<span class=\"ls0_9\">-<span class=\"__9 _356\"> </span></span>seint\u00e4k<span class=\"__9 _413\"/>ter<span class=\"__9 _a_8\"/>\u201d och f\u00f6rst n\u00e4r det \u00e4r sannolikt a<span class=\"__9 _413\"/>tt de f\u00f6rm\u00e5ner som \u00e4r kopplade till transak<span class=\"__9 _413\"/>tionen tillfaller <span class=\"ws19_7\">Nordea</span>. Det intr<span class=\"__9 _413\"/><span class=\"__9 _356\">\u00e4ffar normalt </span>n\u00e4r de betydande riskerna och f<span class=\"__9 _413\"/>\u00f6rm\u00e5nerna har \u00f6verf\u00f6rts till k\u00f6paren (vanligtvis n\u00e4r tr<span class=\"__9 _413\"/>ansaktionen har slutf\u00f6rts).<span class=\"__9 _356\"> </span>K2.6 <span class=\"__9 _b6_2\"> </span>\u00d6vriga kostnader<span class=\"__9 _356\"> </span>Redovisningsprinciper<span class=\"__9 _356\"> </span>T<span class=\"__9 _357\"/>ransaktioner som in<span class=\"__9 _413\"/>te kan h\u00e4nf\u00f6r<span class=\"__9 _348\"/>as till n\u00e5gon annan kost-<span class=\"__9 _356\"> </span>nadspost, redovisas normalt under \u201d\u00d6vriga kos<span class=\"__9 _413\"/>tnader<span class=\"__9 _425\"/>\u201d<span class=\"__9 _357\"/>. Mer-<span class=\"__9 _356\"> </span>parten av kos<span class=\"__9 _413\"/>tnaderna \u00e4r relaterade till ink\u00f6p a<span class=\"__9 _413\"/>v IT<span class=\"__9 _413\"/>-tj\u00e4nster och andra tj\u00e4nst<span class=\"__9 _348\"/>er<span class=\"__9 _413\"/>. Kostnaderna f<span class=\"__9 _413\"/>\u00f6r ink\u00f6p av tj\u00e4nster \u00e4r normal<span class=\"__9 _413\"/>t transak<span class=\"__9 _348\"/>tionsbaserade och redo<span class=\"__9 _413\"/>visas i den period d\u00e5 tj\u00e4nsterna erh\u00e5lls.<span class=\"__9 _356\"> </span>Nettof<span class=\"__9 _413\"/>\u00f6rluster fr\u00e5n a<span class=\"__9 _413\"/>vyttring av aktier i k<span class=\"__9 _413\"/>oncernf\u00f6ret<span class=\"__9 _348\"/>ag, intre<span class=\"__9 _348\"/>ssef\u00f6r<span class=\"__9 _413\"/>etag och joint ventur<span class=\"__9 _413\"/>es, liksom nettof\u00f6rlus<span class=\"__9 _348\"/>ter fr<span class=\"__9 _348\"/>\u00e5n avyttring a<span class=\"__9 _413\"/>v materiella tillg\u00e5ngar<span class=\"__9 _413\"/>, redovisas normalt under \u201d\u00d6vriga kostnader\u201d n\u00e4r det \u00e4r sannolikt att de f\u00f6rm\u00e5ner som \u00e4r kopplade till transak<span class=\"__9 _413\"/>tionen tillfaller Nordea, och om de bety-<span class=\"__9 _356\"> </span>dande riskerna och f<span class=\"__9 _348\"/>\u00f6rm\u00e5nerna har \u00f6verf<span class=\"__9 _348\"/>\u00f6rts till k\u00f6paren (van-<span class=\"__9 _356\"> </span>ligtvis n\u00e4r transak<span class=\"__9 _348\"/>tionen har slutf<span class=\"__9 _348\"/>\u00f6rts).<span class=\"__9 _356\"> </span>K2.3  A<span class=\"__9 _413\"/>vgifts- och pro<span class=\"__9 _413\"/>visionsnetto<span class=\"__9 _356\"> </span>Redovisningsprinciper Nordea har provisionsin<span class=\"__9 _413\"/>t\u00e4kter fr<span class=\"__9 _413\"/>\u00e5n olika typer av tj\u00e4nster som tillhandah\u00e5lls kunder<span class=\"__9 _413\"/>. Hur provisionsin<span class=\"__9 _413\"/>t\u00e4kterna redovisas beror p\u00e5 i vilket syfte a<span class=\"__9 _413\"/>vgiften tas ut.<span class=\"__9 _356\"> </span>Huvuddelen av in<span class=\"__9 _413\"/>t\u00e4kterna som klassi\ufb01cer<span class=\"__9 _413\"/>ats som \u201dProvi-<span class=\"__9 _356\"> </span>sionsint\u00e4k<span class=\"__9 _413\"/>ter<span class=\"__9 _a_8\"/>\u201d avser int\u00e4k<span class=\"__9 _413\"/>ter fr\u00e5n a<span class=\"__9 _413\"/>vtal med kunder enligt IFRS 15. A<span class=\"__9 _357\"/>vgiftsint\u00e4kt<span class=\"__9 _348\"/>er redovisas n\u00e4r eller i tak<span class=\"__9 _413\"/>t med att ett f\u00f6r<span class=\"__9 _348\"/>etag har fullgjort sina \u00e5taganden, an<span class=\"__9 _413\"/>tingen \u00f6ver tid eller vid en speci\ufb01k tidpunkt.<span class=\"__9 _356\"> </span>Utl\u00e5ningsav<span class=\"__9 _413\"/><span class=\"__9 _356\">gifter som inte ing\u00e5r i den eff</span><span class=\"__9 _413\"/>ektiva r\u00e4n<span class=\"__9 _413\"/>tan f\u00f6r ett \ufb01nansiellt instrumen<span class=\"__9 _413\"/>t redovisas n\u00e4r \u00e5tagandet har fullgjorts. A<span class=\"__9 _357\"/>vgifter som erh\u00e5lls i samband med bilaterala tr<span class=\"__9 _413\"/>ansaktio-<span class=\"__9 _356\"> </span>ner redovisas normalt s<span class=\"__9 _348\"/>om en del av det \ufb01nansiella ins<span class=\"__9 _413\"/>tru-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">mentets eff</span><span class=\"__9 _413\"/>ektiva r<span class=\"__9 _348\"/>\u00e4nta. <span class=\"__9 _413\"/>Av<span class=\"__9 _413\"/>gifter fr\u00e5n syndikerade l\u00e5n r<span class=\"__9 _413\"/>edovi-<span class=\"__9 _356\"> </span>sas antingen som en del a<span class=\"__9 _413\"/><span class=\"__9 _356\">v den effektiv</span><span class=\"__9 _413\"/>a r\u00e4ntan p\u00e5 Nordeas<span class=\"__9 _356\"> </span>del eller<span class=\"__9 _413\"/>, om Nordea fungera<span class=\"__9 _413\"/>t som agentbank, som en avgifts<span class=\"__9 _356\"> </span>-<span class=\"__9 _356\"> </span>int\u00e4k<span class=\"__9 _413\"/>t<span class=\"__9 _a_8\"/>. Om av<span class=\"__9 _348\"/>giftsint\u00e4k<span class=\"__9 _413\"/>ten avser b\u00e5de och, grundas den a<span class=\"__9 _413\"/>vgift <span class=\"__9 _356\">som ing\u00e5r i den effek</span><span class=\"__9 _413\"/>tiva r\u00e4nt<span class=\"__9 _348\"/>an p\u00e5 den marginal som erh\u00e5l-<span class=\"__9 _356\"> </span>lits fr\u00e5n de \u00f6<span class=\"__9 _348\"/>vriga parterna i arrangemanget.<span class=\"__9 _356\"> </span>R\u00f6rliga a<span class=\"__9 _413\"/>vgifter<span class=\"__9 _413\"/>, s\u00e5som resultatr<span class=\"__9 _348\"/>elater<span class=\"__9 _348\"/>ade av<span class=\"__9 _413\"/>gifter<span class=\"__9 _348\"/>, redovi-<span class=\"__9 _356\"> </span>sas endast i den utstr<span class=\"__9 _413\"/>\u00e4ckning det \u00e4r mycket sannolikt a<span class=\"__9 _348\"/>tt ingen v\u00e4sen<span class=\"__9 _413\"/>tlig \u00e5terf\u00f6ring av de ack<span class=\"__9 _413\"/>umulerade, redovisade beloppen kommer att ske. Provisionskos<span class=\"__9 _413\"/>tnader som avser en viss period kostnadsf<span class=\"__9 _413\"/>\u00f6rs under den perioden, medan transak<span class=\"__9 _348\"/>tionsav<span class=\"__9 _413\"/>gifter redovisas n\u00e4r tj\u00e4nsterna erh\u00e5lls.<span class=\"__9 _356\"> </span>K2.7  Lagstadgade a<span class=\"__9 _413\"/>vgifter<span class=\"__9 _356\"> </span>Redovisningsprinciper<span class=\"__9 _356\"> </span>Kostnaden f<span class=\"__9 _413\"/>\u00f6r dessa avgift<span class=\"__9 _413\"/>er redovisas n\u00e4r skyldigheten att betala uppst\u00e5r<span class=\"__9 _357\"/>. Resolutionsav<span class=\"__9 _413\"/>gifter kan inte \u00e5terbet<span class=\"__9 _348\"/>alas om Nordea skulle upph\u00f6r<span class=\"__9 _413\"/>a med sin verksamhet<span class=\"__9 _a_8\"/>, och betalnings-<span class=\"__9 _356\"> </span>skyldigheten bed\u00f6ms f<span class=\"__9 _348\"/>\u00f6ljaktligen upps<span class=\"__9 _348\"/>t\u00e5 p\u00e5 \u00e5rets f<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>sta dag. Den svenska bankskatt<span class=\"__9 _413\"/>en kan \u00e5terbetalas f\u00f6r den period under vilken Nordea in<span class=\"__9 _413\"/>te bedriver n\u00e5gon verksamhet, och betalningsskyldigheten bed\u00f6ms d\u00e4rf\u00f6r upps<span class=\"__9 _413\"/>t\u00e5 l\u00f6pande under \u00e5ret. Resolutionsa<span class=\"__9 _413\"/>vgifter redovisas d\u00e4rmed i sin helhet under f\u00f6rsta kv<span class=\"__9 _413\"/>ar<span class=\"__9 _a_8\"/>talet medan den svenska bankska<span class=\"__9 _413\"/>tten periodiseras linj\u00e4rt under \u00e5ret. Mer information om den f<span class=\"__9 _413\"/>\u00f6r\u00e4ndrade redo-<span class=\"__9 _356\"> </span>visningen \ufb01nns i not K1 \u201dRedo<span class=\"__9 _413\"/>visningsprinciper<span class=\"__9 _425\"/>\u201d<span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span><div class=\"t_9 m0_9 h5_8 ff1_9 fs3_8 fc0_9 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:225.91833px;\">K2.8   <span class=\"__9 _b7_2\"/>A<span class=\"__9 _413\"/>v- och nedskrivningar </div><div class=\"t_9 m0_9 h5_8 ff1_9 fs3_8 fc0_9 sc0_9 ls0_9 ws0_9\" style=\"left:39.81357px; bottom:212.39313px;\">a<span class=\"__9 _413\"/>v materiella och </div><div class=\"t_9 m0_9 h5_8 ff1_9 fs3_8 fc0_9 sc0_9 ls0_9 ws0_9\" style=\"left:39.81357px; bottom:198.86792px;\">immat<span class=\"__9 _348\"/>eriella tillg\u00e5ngar<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h6_8 ff1_9 fs4_8 fc1_8 sc0_9 ls0_9 ws0_9\" style=\"left:7.3724365px; bottom:176.11847px;\">Redovisningsprinciper<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:151.5343px;\">Materiella och immat<span class=\"__9 _413\"/>eriella tillg\u00e5ngar skrivs av linj\u00e4rt \u00f6ver </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:138.0091px;\">den ber\u00e4knade nyttjandeperioden. En imma<span class=\"__9 _413\"/>teriell tillg\u00e5ng </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:124.48389px;\">med obest\u00e4mbar nyttjandeperiod (<span class=\"__9 _413\"/>goodwill) ska inte skrivas </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:110.95868px;\">av<span class=\"__9 _357\"/>, men \u00e5rligen pr\u00f6vas f<span class=\"__9 _413\"/>\u00f6r eventuellt nedskrivningsbehov<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:12.897705px; bottom:97.43347px;\">Alla immateriella tillg\u00e5ngar med begr<span class=\"__9 _348\"/>\u00e4nsad nyttjandepe-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:83.908264px;\">riod, inklusive IT<span class=\"__9 _357\"/>-utvecklingsprojek<span class=\"__9 _348\"/>t som har tagits i bruk, pr\u00f6-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:70.38312px;\">vas med a<span class=\"__9 _413\"/>vseende p\u00e5 indikationer p\u00e5 nedskrivningsbehov<span class=\"__9 _413\"/>. </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:56.85791px;\">Nedskrivningskostnaden ber<span class=\"__9 _348\"/>\u00e4knas som skillnaden mellan </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:43.332703px;\">redovisa<span class=\"__9 _348\"/>t v\u00e4rde och \u00e5<span class=\"__9 _348\"/>tervinningsv\u00e4rde.<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:12.897705px; bottom:29.807495px;\">Redovisningsprinciper f<span class=\"__9 _413\"/>\u00f6r immateriella och materiella till-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:16.282288px;\">g\u00e5ngar<span class=\"__9 _413\"/>, liksom till\u00e4mpade kritiska bed\u00f6mningar<span class=\"__9 _413\"/>, \ufb01nns i not K5 </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:2.75708px;\">\u201dImmateriella och mat<span class=\"__9 _413\"/>eriella tillg\u00e5ngar<span class=\"__9 _425\"/>\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h5_8 ff1_9 fs3_8 fc0_9 sc0_9 ls0_9 ws3_8\" style=\"left:0.013267517px; bottom:212.38739px;\">K2.9 Kreditf<span class=\"__9 _413\"/>\u00f6rluster<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h6_8 ff1_9 fs4_8 fc1_8 sc0_9 ls0_9 ws0_9\" style=\"left:7.383362px; bottom:189.6456px;\">Redovisningsprinicper </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:165.06143px;\">Nedskrivningar av \ufb01nansiella tillg\u00e5ngar i ka<span class=\"__9 _413\"/>tegorierna \u201dUpp-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:151.53622px;\"><span class=\"__9 _356\">lupet anskaffningsv</span><span class=\"__9 _413\"/>\u00e4rde\u201d och \u201dVerkligt v<span class=\"__9 _413\"/>\u00e4rde via \u00f6vrigt total-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:138.01105px;\">resulta<span class=\"__9 _413\"/>t<span class=\"__9 _a_8\"/>\u201d (se not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d) p\u00e5 </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:124.48584px;\">balansraderna \u201dUtl\u00e5ning till cen<span class=\"__9 _413\"/>tralbanker<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _413\"/>, \u201dUtl\u00e5ning till kre-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:110.96063px;\">ditinstitut\u201d<span class=\"__9 _413\"/>, \u201dUtl\u00e5ning till allm\u00e4nheten\u201d och \u201dR\u00e4nteb\u00e4r<span class=\"__9 _413\"/>ande </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:97.435425px;\">v\u00e4rdepapper\u201d<span class=\"__9 _413\"/>, redovisas som \u201dKreditf<span class=\"__9 _413\"/>\u00f6rluster<span class=\"__9 _413\"/>, netto\u201d<span class=\"__9 _413\"/>, tillsam-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:83.91025px;\">mans med f\u00f6rlus<span class=\"__9 _413\"/>ter fr\u00e5n \ufb01nansiella garan<span class=\"__9 _413\"/>tier. F<span class=\"__9 _413\"/>\u00f6rlusterna </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:70.38504px;\">redovisas med a<span class=\"__9 _413\"/>vdrag f\u00f6r e<span class=\"__9 _348\"/>ventuella s\u00e4k<span class=\"__9 _413\"/>erheter eller andra </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:56.859833px;\">kreditf<span class=\"__9 _348\"/>\u00f6rst\u00e4rkningar<span class=\"__9 _413\"/>. Nordeas redovisningsprinciper f<span class=\"__9 _413\"/>\u00f6r </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:43.334625px;\">ber\u00e4kningen a<span class=\"__9 _413\"/>v nedskrivning av l\u00e5n och till\u00e4mpade kritiska </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:29.809448px;\">bed\u00f6mningar \ufb01nns i not K3.<span class=\"__9 _348\"/>7 \u201dUtl\u00e5ning\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:12.908623px; bottom:16.28424px;\">Motpartsf\u00f6rlus<span class=\"__9 _413\"/>ter h\u00e4nf\u00f6rliga till ins<span class=\"__9 _348\"/>trument som klassi\ufb01ce-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:2.7590332px;\">rats i ka<span class=\"__9 _413\"/>tegorin \u201dFinansiella tillg\u00e5ngar v\u00e4rderade till verkligt<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:165.05188px;\">v\u00e4rde via r<span class=\"__9 _348\"/>esultatr<span class=\"__9 _413\"/>\u00e4kningen\u201d<span class=\"__9 _413\"/>, inklusive kreditderiva<span class=\"__9 _413\"/>t men </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:151.52667px;\">exklusiv<span class=\"__9 _413\"/>e l\u00e5nefordringar redovisade till v<span class=\"__9 _413\"/>erkligt v\u00e4rde, redovi-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:138.00146px;\">sas under \u201dNettoresult<span class=\"__9 _348\"/>at a<span class=\"__9 _413\"/>v poster till verkligt\u201d eller, om de \u00e4r </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:124.47626px;\">h\u00e4nf<span class=\"__9 _413\"/>\u00f6rliga till l\u00e5nefordringar i portf\u00f6ljer d\u00e4r a<span class=\"__9 _413\"/>vsikten \u00e4r att </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:110.95108px;\">beh\u00e5lla instrument<span class=\"__9 _413\"/>en till f\u00f6rfall och som det \u00e4r obligatorisk<span class=\"__9 _413\"/>t </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:97.42587px;\">att v\u00e4r<span class=\"__9 _348\"/>dera till verkligt v<span class=\"__9 _413\"/>\u00e4rde (uppfyller inte SPPI-kriteriet, </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:83.900665px;\">dvs. att det uteslut<span class=\"__9 _348\"/>ande r\u00f6r sig om betalning a<span class=\"__9 _413\"/>v kapitalbelopp </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:70.37546px;\">och r\u00e4n<span class=\"__9 _348\"/>ta), under posten \u201dNettor<span class=\"__9 _413\"/>esultat av utl\u00e5ning i portf<span class=\"__9 _413\"/>\u00f6l-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:56.85028px;\">jer som h\u00e5lls till f\u00f6rf<span class=\"__9 _413\"/>all och obligatoriskt v\u00e4r<span class=\"__9 _413\"/>deras till verkligt </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:43.325073px;\">v\u00e4rde\u201d<span class=\"__9 _357\"/>. F\u00f6r ytterligar<span class=\"__9 _413\"/>e information, se no<span class=\"__9 _413\"/>t K2.4 \u201dSumma net-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:29.799866px;\">toresult<span class=\"__9 _348\"/>at a<span class=\"__9 _413\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:12.897705px; bottom:16.274658px;\">Ytterligare in<span class=\"__9 _348\"/>forma<span class=\"__9 _413\"/>tion om kreditrisk \ufb01nns i not K11 \u201dRisk- </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:2.7494812px;\">och likviditetshant<span class=\"__9 _348\"/>ering\u201d<span class=\"__9 _356\"> </span><span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h5_8 ff1_9 fs3_8 fc0_9 sc0_9 ls0_9 ws3_8\" style=\"left:0.013267517px; bottom:527.7815px;\">K2.<span class=\"__9 _357\"/>10 Skatt<span class=\"__9 _413\"/>er<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h6_8 ff1_9 fs4_8 fc1_8 sc0_9 ls0_9 ws0_9\" style=\"left:7.383362px; bottom:500.7246px;\">Redovisningsprinciper<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:476.14032px;\">Post<span class=\"__9 _413\"/>en \u201dSkatt<span class=\"__9 _a_8\"/>\u201d i resulta<span class=\"__9 _348\"/>tr\u00e4kningen utg\u00f6rs a<span class=\"__9 _413\"/>v den totala f\u00f6r-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:462.6151px;\">\u00e4ndringen i aktuell och uppskjuten ink<span class=\"__9 _413\"/>omstskatt. Aktuell och </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:449.0899px;\">uppskjuten skatt r<span class=\"__9 _348\"/>edovisas i result<span class=\"__9 _413\"/>atr\u00e4kningen, s\u00e5vida den </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:435.5647px;\">inte a<span class=\"__9 _413\"/>vser poster som redo<span class=\"__9 _413\"/>visas mot \u00f6vrigt totalresul<span class=\"__9 _413\"/>tat eller </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:422.0395px;\">eget kapital. I dessa fall redo<span class=\"__9 _413\"/>visas \u00e4ven skatt<span class=\"__9 _413\"/>en mot \u00f6vrigt </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:408.51428px;\">totalr<span class=\"__9 _348\"/>esultat r<span class=\"__9 _413\"/>espektive eget kapital.<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:12.908623px; bottom:394.9891px;\">Aktuell ska<span class=\"__9 _413\"/>tt \u00e4r den f\u00f6rv\u00e4ntade skatt<span class=\"__9 _413\"/>en p\u00e5 \u00e5rets beskatt-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:381.4639px;\">ningsbara inkoms<span class=\"__9 _348\"/>t, ber\u00e4knad enligt beslutade eller i prak<span class=\"__9 _413\"/>ti-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:367.9387px;\">ken beslutade ska<span class=\"__9 _413\"/>ttesatser per balansdagen, tillsammans </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:354.41348px;\">med even<span class=\"__9 _413\"/>tuell justering av ak<span class=\"__9 _413\"/>tuell skatt h\u00e4nf\u00f6rlig till tidigar<span class=\"__9 _348\"/>e </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls18_7 ws1b_7\" style=\"left:0.013267517px; bottom:340.8883px;\">\u00e5<span class=\"__9 _a_8\"/>r.<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:12.908623px; bottom:327.3631px;\">Uppskjutna skattef<span class=\"__9 _413\"/>ordringar och skatteskulder r<span class=\"__9 _413\"/>edovisas </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:313.8379px;\">f\u00f6r tempor<span class=\"__9 _413\"/>\u00e4ra skillnader som uppst\u00e5r mellan skatt<span class=\"__9 _348\"/>em\u00e4ssiga </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:300.31268px;\">och redovisade v<span class=\"__9 _348\"/>\u00e4rden p\u00e5 tillg\u00e5ngar och skulder<span class=\"__9 _357\"/>. Uppskjutna </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:286.7875px;\">skattef<span class=\"__9 _413\"/>ordringar redovisas f<span class=\"__9 _413\"/>\u00f6r outnyttjade skattem\u00e4ssiga </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:273.2623px;\">underskott och skatt<span class=\"__9 _348\"/>eav<span class=\"__9 _413\"/>drag, om de uppfyller de aktuella kri-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:259.7371px;\">terierna f\u00f6r r<span class=\"__9 _413\"/>edovisning enligt IAS 12. Uppskjuten skatt redo-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:246.21188px;\">visas inte f<span class=\"__9 _413\"/>\u00f6r tempor\u00e4ra skillnader som upps<span class=\"__9 _348\"/>t\u00e5r vid f\u00f6rs<span class=\"__9 _348\"/>ta </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:232.6867px;\">redovisningen a<span class=\"__9 _413\"/>v tillg\u00e5ngar eller skulder i en transaktion s<span class=\"__9 _348\"/>om </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:219.1615px;\">inte \u00e4r ett f<span class=\"__9 _413\"/>\u00f6retagsf\u00f6rv\u00e4rv och varken p\u00e5<span class=\"__9 _413\"/>verkar redovisa<span class=\"__9 _348\"/>t eller </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:205.63629px;\">beskattningsbart resulta<span class=\"__9 _413\"/>t<span class=\"__9 _a_8\"/>. Uppskjuten skatt redo<span class=\"__9 _413\"/>visas inte </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:192.11108px;\">heller f\u00f6r skillnader h\u00e4n<span class=\"__9 _413\"/>f\u00f6rliga till aktier och andelar i kon-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:178.5859px;\">cernf<span class=\"__9 _413\"/>\u00f6retag, intresse<span class=\"__9 _348\"/>f\u00f6r<span class=\"__9 _348\"/>etag och joint v<span class=\"__9 _413\"/>entures, i den m\u00e5n det </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:165.0607px;\">\u00e4r sannolikt a<span class=\"__9 _348\"/>tt en reglering eller realisering in<span class=\"__9 _413\"/>te kommer att </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:151.53549px;\">ske inom \u00f6versk\u00e5dlig tid. In<span class=\"__9 _413\"/>te heller redovisas uppskjuten </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:138.0103px;\">skatt f<span class=\"__9 _413\"/>\u00f6r skattepliktiga tempor<span class=\"__9 _413\"/>\u00e4ra skillnader som h\u00e4rr\u00f6r fr\u00e5n </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:124.48509px;\">den f\u00f6rsta r<span class=\"__9 _413\"/>edovisningen av goodwill.<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:12.908623px; bottom:110.9599px;\">Uppskjuten skatt ber<span class=\"__9 _413\"/>\u00e4knas enligt de skattesatser som v\u00e4n-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:97.43469px;\">tas g\u00e4lla n\u00e4r de tempor\u00e4r<span class=\"__9 _413\"/>a skillnaderna v\u00e4nds, med utg\u00e5ngs-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:83.9095px;\">punkt f<span class=\"__9 _348\"/>r\u00e5n ant<span class=\"__9 _413\"/>agna eller i praktiken an<span class=\"__9 _348\"/>tagna lagar per balans-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:70.38429px;\">dagen. Uppskjutna skattef<span class=\"__9 _413\"/>ordringar och skatteskulder disk<span class=\"__9 _413\"/>on-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:56.8591px;\">teras in<span class=\"__9 _413\"/>te. Uppskjutna skattefor<span class=\"__9 _413\"/>dringar redovisas endast i den </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:43.333893px;\">utstr\u00e4ckning det \u00e4r sannolik<span class=\"__9 _413\"/>t att fram<span class=\"__9 _348\"/>tida beskattningsbar </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:29.808693px;\">vinst kommer a<span class=\"__9 _348\"/>tt \ufb01nnas tillg\u00e4nglig, mot vilken tempor<span class=\"__9 _413\"/>\u00e4ra </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:16.283493px;\">skillnader<span class=\"__9 _413\"/>, underskottsav<span class=\"__9 _413\"/>drag och outnyttjade skattea<span class=\"__9 _413\"/>vdrag </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:2.7582932px;\">kan utnyttjas. Uppskjutna skatt<span class=\"__9 _413\"/>efordringar granskas v<span class=\"__9 _348\"/>arje<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:320.61172px; bottom:502.63483px;\">balansdag, och minskas i den m\u00e5n det int<span class=\"__9 _348\"/>e l\u00e4ngre \u00e4r sannolik<span class=\"__9 _348\"/>t </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:320.61172px; bottom:489.10962px;\">att a<span class=\"__9 _413\"/>vdragsr\u00e4tten kan utn<span class=\"__9 _413\"/>yttjas.<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:333.50708px; bottom:475.5844px;\">Aktuella ska<span class=\"__9 _413\"/>ttefordringar och ak<span class=\"__9 _348\"/>tuella skattesk<span class=\"__9 _413\"/>ulder kvittas </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:320.61172px; bottom:462.0592px;\">n\u00e4r lagstadgad r\u00e4<span class=\"__9 _413\"/>tt till kvittning f\u00f6religger<span class=\"__9 _413\"/>, och Nordea a<span class=\"__9 _348\"/>vser </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:320.61172px; bottom:448.534px;\">att antingen nett<span class=\"__9 _413\"/>oreglera dessa skattepositioner eller r<span class=\"__9 _348\"/>eali-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:320.61172px; bottom:435.0088px;\">sera tillg\u00e5ngen sam<span class=\"__9 _413\"/>tidigt som skulden regleras. Uppskjutna </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:320.61172px; bottom:421.48364px;\">skattef<span class=\"__9 _413\"/>ordringar och uppskjutna skatteskulder kvitt<span class=\"__9 _348\"/>as gene-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:320.61172px; bottom:407.9584px;\">rellt i den m\u00e5n det \u00e4r till\u00e5t<span class=\"__9 _413\"/>et enligt lag att kvitta aktuella skat-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:320.61172px; bottom:394.43323px;\">tef<span class=\"__9 _348\"/>ordringar och aktuella sk<span class=\"__9 _348\"/>attesk<span class=\"__9 _413\"/>ulder<span class=\"__9 _356\"> </span>.<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h5_8 ff1_9 fs3_8 fc0_9 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:324.90466px;\">K2.<span class=\"__9 _357\"/>11 <span class=\"__9 _b6_2\"> </span>Resul<span class=\"__9 _413\"/>tat per ak<span class=\"__9 _413\"/>tie<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h6_8 ff1_9 fs4_8 fc1_8 sc0_9 ls0_9 ws0_9\" style=\"left:7.3724365px; bottom:297.84778px;\">Redovisningsprinciper </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:273.2635px;\">Resulta<span class=\"__9 _413\"/>t per aktie f\u00f6re utsp\u00e4dning ber<span class=\"__9 _413\"/>\u00e4knas som \u00e5rets resul-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:259.73828px;\">tat h\u00e4n<span class=\"__9 _348\"/>f\u00f6rligt till ak<span class=\"__9 _413\"/>tie\u00e4gare i Nordea Bank Abp divider<span class=\"__9 _348\"/>at med </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:246.21307px;\">v\u00e4gt genomsnittligt an<span class=\"__9 _348\"/>tal utest\u00e5ende s<span class=\"__9 _413\"/>tamaktier under </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:232.68787px;\">perioden.<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls19_7 ws0_9\" style=\"left:12.897705px; bottom:219.16266px;\">Resulta<span class=\"__9 _413\"/>t per aktie efter utsp\u00e4dning fas<span class=\"__9 _413\"/>tst\u00e4lls genom att jus<span class=\"ls0_9\">-<span class=\"__9 _356\"> </span></span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls19_7 ws0_9\" style=\"left:0.0023498535px; bottom:205.63745px;\">tera det v<span class=\"__9 _348\"/>\u00e4gda genomsnittliga antalet ut<span class=\"__9 _348\"/>est\u00e5ende st<span class=\"__9 _413\"/>amaktier </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls19_7 ws0_9\" style=\"left:0.0023498535px; bottom:192.11224px;\"><span class=\"__9 _356\">f\u00f6r eff</span><span class=\"__9 _413\"/>ekten a<span class=\"__9 _413\"/>v alla potentiella utsp\u00e4dningsbara s<span class=\"__9 _413\"/>tamaktier<span class=\"__9 _413\"/>, </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls19_7 ws0_9\" style=\"left:0.0023498535px; bottom:178.5871px;\">vilka utg\u00f6rs av r<span class=\"__9 _413\"/>\u00e4tten till presta<span class=\"__9 _413\"/>tionsaktier enligt de l\u00e5ngsiktiga </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls19_7 ws0_9\" style=\"left:0.0023498535px; bottom:165.06189px;\">incitamentspr<span class=\"__9 _348\"/>ogrammen sam<span class=\"__9 _348\"/>t kontr<span class=\"__9 _413\"/>akt som kan regleras med </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls19_7 ws1c_7\" style=\"left:0.0023498535px; bottom:151.53668px;\">Nordea<span class=\"ws0_9\">aktier<span class=\"__9 _357\"/>, dvs. derivat s\u00e5som optioner och w<span class=\"__9 _413\"/>arranter och </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls19_7 ws0_9\" style=\"left:0.0023498535px; bottom:138.01147px;\">motsvar<span class=\"__9 _413\"/>ande. S\u00e5dana kontrak<span class=\"__9 _348\"/>t p\u00e5v<span class=\"__9 _413\"/>erkar resultatet per ak<span class=\"__9 _413\"/>tie<span class=\"__9 _a_8\"/> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls19_7 ws0_9\" style=\"left:0.0023498535px; bottom:124.48627px;\">efter utsp\u00e4dning endast i de f<span class=\"__9 _413\"/>all d\u00e4r den genomsnittliga kursen </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls19_7 ws0_9\" style=\"left:0.0023498535px; bottom:110.96106px;\">p\u00e5 stamak<span class=\"__9 _413\"/>tier under perioden \u00e4r h\u00f6gre \u00e4n l\u00f6senkursen f\u00f6r </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls19_7 ws0_9\" style=\"left:0.0023498535px; bottom:97.43585px;\">optionerna eller warr<span class=\"__9 _413\"/>anterna (det vill s\u00e4ga om de har ett </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls19_7 ws1c_7\" style=\"left:0.0023498535px; bottom:83.910645px;\">realv<span class=\"__9 _413\"/>\u00e4rde).<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls19_7 ws0_9\" style=\"left:12.897705px; bottom:70.3855px;\">Pot<span class=\"__9 _413\"/>entiella stamaktier ans<span class=\"__9 _348\"/>es endast medf<span class=\"__9 _413\"/>\u00f6ra en utsp\u00e4d<span class=\"ls0_9\">-<span class=\"__9 _356\"> </span></span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls19_7 ws0_9\" style=\"left:0.0023498535px; bottom:56.86029px;\"><span class=\"__9 _356\">ningseffek</span><span class=\"__9 _413\"/>t p\u00e5 balansdagen om samtliga result<span class=\"__9 _348\"/>atvillkor har </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls19_7 ws0_9\" style=\"left:0.0023498535px; bottom:43.335083px;\">uppfyllts och om en kon<span class=\"__9 _413\"/>ver<span class=\"__9 _a_8\"/>tering till stamak<span class=\"__9 _413\"/>tier skulle minska </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls19_7 ws0_9\" style=\"left:0.0023498535px; bottom:29.809875px;\">vinsten per ak<span class=\"__9 _413\"/>tie. Vidare anses r\u00e4ttigheterna endas<span class=\"__9 _413\"/>t medf\u00f6ra </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls19_7 ws0_9\" style=\"left:0.0023498535px; bottom:16.284668px;\"><span class=\"__9 _356\">en utsp\u00e4dningseffek</span><span class=\"__9 _413\"/>t om l\u00f6senpriset, med till\u00e4gg f\u00f6r fram<span class=\"__9 _413\"/>tida<span class=\"__9 _a_8\"/> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls19_7 ws0_9\" style=\"left:0.0023498535px; bottom:2.7594604px;\">tj\u00e4nster<span class=\"__9 _357\"/>, \u00e4r l\u00e4gre \u00e4n periodens genomsnittliga aktiekurs.<span class=\"__9 _356\"> </span></div>K3.<span class=\"__10 _479\"/>1 <span class=\"__10 _a_9\"> </span> <span class=\"__10 _b_9\"/>Redo<span class=\"__10 _471\"/>visning och bortbokning<span class=\"__10 _469\"> </span> i balansr\u00e4kningen<span class=\"__10 _469\"> </span>Redovisningsprinciper<span class=\"__10 _469\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsdagsredovisning till\u00e4mpas vid r<span class=\"__10 _471\"/>edovisning och bortbok-<span class=\"__10 _469\"> </span>ning av deriv<span class=\"__10 _471\"/>atinstrumen<span class=\"__10 _471\"/>t, b\u00f6rsnoterade v<span class=\"__10 _471\"/>\u00e4rdepapper och<span class=\"__10 _469\"> </span> avis<span class=\"__10 _471\"/>tatr<span class=\"__10 _471\"/>ansaktioner i utl\u00e4ndsk v<span class=\"__10 _471\"/>aluta, och en tillg\u00e5ng eller<span class=\"__10 _469\"> </span> skuld redo<span class=\"__10 _471\"/>visas i balansr\u00e4kningen under \u201d\u00d6vriga tillg\u00e5ngar<span class=\"__10 _c_9\"/>\u201d<span class=\"__10 _469\"> </span> eller \u201d\u00d6vriga skulder<span class=\"__10 _c_9\"/><span class=\"__10 _469\">\u201d mellan aff\u00e4rsdagen och likviddagen.<span class=\"__10 _469\"> </span></span> \u00d6vriga \ufb01nansiella instrument r<span class=\"__10 _471\"/>edovisas i balansr<span class=\"__10 _471\"/>\u00e4kningen p\u00e5<span class=\"__10 _469\"> </span> likviddagen.<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar<span class=\"__10 _471\"/>, andr<span class=\"__10 _471\"/>a \u00e4n de f\u00f6r vilka a<span class=\"__10 _471\"/><span class=\"__10 _469\">ff\u00e4rsdagsr</span><span class=\"__10 _471\"/>edo-<span class=\"__10 _469\"> </span>visning till\u00e4mpas, bokas bort fr\u00e5n balansr\u00e4kningen n\u00e4r den<span class=\"__10 _469\"> </span> avtals<span class=\"__10 _471\"/>enliga r\u00e4tt<span class=\"__10 _471\"/>en till kassafl\u00f6det fr<span class=\"__10 _471\"/>\u00e5n de \ufb01nansiella tillg\u00e5ng-<span class=\"__10 _469\"> </span>arna upph\u00f6r att g\u00e4lla eller \u00f6v<span class=\"__10 _471\"/>erf\u00f6rs till annan part. R\u00e4tten till<span class=\"__10 _469\"> </span> kassafl\u00f6det upph\u00f6r att g\u00e4lla eller \u00f6<span class=\"__10 _471\"/>verf\u00f6rs vanligen n\u00e4r mo<span class=\"__10 _471\"/>t-<span class=\"__10 _469\"> </span>parten har uppfyllt sin del a<span class=\"__10 _471\"/>v avt<span class=\"__10 _471\"/>alet genom att t.ex. betala<span class=\"__10 _469\"> </span> tillbaka ett l\u00e5n till Nordea, dvs. p\u00e5 likviddagen.<span class=\"__10 _469\"> </span> L\u00e5n och andra \ufb01nansiella tillg\u00e5ngar d\u00e4r kassa<span class=\"__10 _471\"/>fl\u00f6dena har<span class=\"__10 _469\"> </span> juster<span class=\"__10 _471\"/>ats, eller som ing\u00e5r i en rek<span class=\"__10 _471\"/>onstruk<span class=\"__10 _471\"/>tion, bokas bort fr\u00e5n<span class=\"__10 _469\"> </span> balansr\u00e4kningen, och ett nytt l\u00e5n r<span class=\"__10 _471\"/>edovisas om villkoren f<span class=\"__10 _471\"/>\u00f6r<span class=\"__10 _469\"> </span> det nya l\u00e5net v<span class=\"__10 _471\"/>\u00e4sentligen skiljer sig f<span class=\"__10 _471\"/>r\u00e5n de tidigare villk<span class=\"__10 _471\"/>oren.<span class=\"__10 _469\"> </span> Normalt brukar detta ske om nuv<span class=\"__10 _471\"/>\u00e4rdet a<span class=\"__10 _471\"/>v kassafl\u00f6det f<span class=\"__10 _471\"/>r\u00e5n<span class=\"__10 _469\"> </span> det nya l\u00e5net, diskont<span class=\"__10 _471\"/>erat med den ursprungliga r<span class=\"__10 _471\"/>\u00e4ntan, skil<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>jer sig mer \u00e4n 10 procen<span class=\"__10 _471\"/>t fr\u00e5n nuv<span class=\"__10 _471\"/>\u00e4rdet a<span class=\"__10 _471\"/>v det \u00e5ters<span class=\"__10 _471\"/>t\u00e5ende<span class=\"__10 _469\"> </span> f\u00f6rv\u00e4n<span class=\"__10 _471\"/>tade kassafl\u00f6det f<span class=\"__10 _471\"/>r\u00e5n det gamla l\u00e5net. Samma princi-<span class=\"__10 _469\"> </span>per g\u00e4ller f\u00f6r \ufb01nansiella sk<span class=\"__10 _471\"/>ulder<span class=\"__10 _471\"/>. Villk<span class=\"__10 _471\"/>oren anses \u00e4<span class=\"__10 _471\"/>ven skilja<span class=\"__10 _469\"> </span> sig \u00e5t v\u00e4sen<span class=\"__10 _471\"/>tligt f<span class=\"__10 _471\"/>\u00f6r \ufb01nansiella tillg\u00e5ngar<span class=\"__10 _471\"/>, d\u00e4r det jus<span class=\"__10 _471\"/>terade<span class=\"__10 _469\"> </span> kassafl\u00f6det endast ut<span class=\"__10 _471\"/>g\u00f6rs av betalning a<span class=\"__10 _471\"/>v kapitalbelopp och<span class=\"__10 _469\"> </span> r\u00e4n<span class=\"__10 _471\"/>ta (SPPI), medan detta int<span class=\"__10 _471\"/>e var f<span class=\"__10 _471\"/>allet f\u00f6r det ursprungliga<span class=\"__10 _469\"> </span> kassafl\u00f6det och vice versa.<span class=\"__10 _469\"> </span>I vissa fall genom<span class=\"__10 _471\"/>f\u00f6rs tr<span class=\"__10 _471\"/>ansaktioner d\u00e4r Nordea \u00f6<span class=\"__10 _471\"/>verf<span class=\"__10 _471\"/>\u00f6r till-<span class=\"__10 _469\"> </span>g\u00e5ngar som redovisas i balansr<span class=\"__10 _471\"/>\u00e4kningen, men samtidigt<span class=\"__10 _469\"> </span> beh\u00e5ller antingen hela eller delar a<span class=\"__10 _471\"/>v risken och r<span class=\"__10 _471\"/>\u00e4ttigheterna<span class=\"__10 _469\"> </span> f\u00f6rknippade med de \u00f6<span class=\"__10 _471\"/>verf\u00f6r<span class=\"__10 _471\"/>da tillg\u00e5ngarna. Om alla eller i<span class=\"__10 _469\"> </span> stort sett alla risker och r\u00e4<span class=\"__10 _471\"/>ttigheter beh\u00e5lls, bokas in<span class=\"__10 _471\"/>te de<span class=\"__10 _469\"> </span> \u00f6verf<span class=\"__10 _471\"/>\u00f6rda tillg\u00e5ngarna bort fr\u00e5n balansr<span class=\"__10 _471\"/>\u00e4kningen. Om<span class=\"__10 _469\"> </span> Nordeas motpart kan s\u00e4lja eller pants\u00e4<span class=\"__10 _471\"/>tta de \u00f6v<span class=\"__10 _471\"/>erf\u00f6rda till<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>g\u00e5ngarna p\u00e5 nytt, omklassi\ufb01ceras tillg\u00e5ngarna i balansr\u00e4k<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>ningen till \u201dPan<span class=\"__10 _471\"/>tsatta \ufb01nansiella ins<span class=\"__10 _471\"/>trument\u201d<span class=\"__10 _d_9\"/>. \u00d6verf\u00f6ring a<span class=\"__10 _d_9\"/>v<span class=\"__10 _469\"> </span> tillg\u00e5ngar med bibeh\u00e5llande av alla eller i s<span class=\"__10 _d_9\"/>tor<span class=\"__10 _c_9\"/>t sett alla risker<span class=\"__10 _469\"> </span> och r\u00e4ttighet<span class=\"__10 _471\"/>er omf<span class=\"__10 _d_9\"/>attar bl.a. avtal om v\u00e4rdepappersl\u00e5n och<span class=\"__10 _469\"> </span> \u00e5terk\u00f6psa<span class=\"__10 _d_9\"/>vtal.<span class=\"__10 _469\"> </span>Finansiella skulder bokas bort fr\u00e5n balansr<span class=\"__10 _d_9\"/>\u00e4kningen n\u00e4r de<span class=\"__10 _469\"> </span> upph\u00f6r<span class=\"__10 _d_9\"/>. Normalt sker detta n\u00e4r Nordea fullg\u00f6r sin del a<span class=\"__10 _d_9\"/>v avta<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>let, till exempel n\u00e4r Nor<span class=\"__10 _471\"/>dea \u00e5terbetalar inl\u00e5ning till mo<span class=\"__10 _471\"/>tpar-<span class=\"__10 _469\"> </span>ten, dvs. p\u00e5 likviddagen.<span class=\"__10 _469\"> </span> F\u00f6rs\u00e4ljning a<span class=\"__10 _d_9\"/>v v\u00e4rdepapper som inte \u00e4gs a<span class=\"__10 _d_9\"/>v Nordea<span class=\"ls2_9 ws3_9\"> de\ufb01</span>-<span class=\"__10 _469\"> </span>nieras som blankning och redo<span class=\"__10 _d_9\"/>visas som en tradingrelaterad<span class=\"__10 _469\"> </span> skuld (s\u00e5lda, ej inneha<span class=\"__10 _d_9\"/>vda v\u00e4rdepapper) under \u201d\u00d6vriga skul-<span class=\"__10 _469\"> </span>der<span class=\"__10 _c_9\"/>\u201d i balansr\u00e4kningen. Blankningen t\u00e4cks i allm\u00e4nhet geno<span class=\"__10 _469\"> </span>m<span class=\"__10 _469\"> </span> en transak<span class=\"__10 _471\"/>tion avs<span class=\"__10 _471\"/>eende v\u00e4rdepappers\ufb01nansiering (SFT),<span class=\"__10 _469\"> </span> oftast ett om<span class=\"__10 _471\"/>v\u00e4n<span class=\"__10 _471\"/>t \u00e5terk\u00f6psa<span class=\"__10 _d_9\"/>vtal eller andra typer a<span class=\"__10 _471\"/>v avtal om<span class=\"__10 _469\"> </span> inl\u00e5ning av v<span class=\"__10 _d_9\"/>\u00e4rdepapper<span class=\"__10 _471\"/>.<span class=\"__10 _469\"> </span> K3.2 <span class=\"__10 _a_9\"> </span> <span class=\"__10 _b_9\"/>\u00d6verf\u00f6r<span class=\"__10 _471\"/>da tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter<span class=\"__10 _469\"> </span>Redovisningsprinciper<span class=\"__10 _469\"> </span> Tillg\u00e5ngar anses var<span class=\"__10 _471\"/>a \u00f6verf<span class=\"__10 _471\"/>\u00f6rda fr<span class=\"__10 _471\"/>\u00e5n Nordea om Nordea<span class=\"__10 _469\"> </span> antingen \u00f6v<span class=\"__10 _d_9\"/>er<span class=\"__10 _c_9\"/>f\u00f6r den kon<span class=\"__10 _d_9\"/>traktsenliga r<span class=\"__10 _471\"/>\u00e4ttigheten a<span class=\"__10 _471\"/>tt erh\u00e5lla<span class=\"__10 _469\"> </span> kassafl\u00f6den fr<span class=\"__10 _471\"/>\u00e5n tillg\u00e5ngen eller beh\u00e5ller den r\u00e4ttighet<span class=\"__10 _d_9\"/>en<span class=\"__10 _469\"> </span> men har en kontr<span class=\"__10 _d_9\"/>aktsenlig skyldighet att betala kassafl\u00f6dena<span class=\"__10 _469\"> </span> till en eller flera parter<span class=\"__10 _d_9\"/>. Alla tillg\u00e5ngar som \u00f6<span class=\"__10 _471\"/>verf\u00f6rts redovisas<span class=\"__10 _469\"> </span> fortsatt i balansr<span class=\"__10 _471\"/>\u00e4kningen om Nordeas e<span class=\"__10 _471\"/>xponering f\u00f6r f<span class=\"__10 _d_9\"/>\u00f6r\u00e4nd-<span class=\"__10 _469\"> </span>ringar i verkligt v\u00e4r<span class=\"__10 _471\"/>de f\u00f6r tillg\u00e5ngen kv<span class=\"__10 _d_9\"/>ar<span class=\"__10 _c_9\"/>st\u00e5r<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span> Erh\u00e5llen s\u00e4kerhet redovisas in<span class=\"__10 _d_9\"/>te i balansr\u00e4kningen s\u00e5vida<span class=\"__10 _469\"> </span> inte Nor<span class=\"__10 _471\"/>dea har en exponering f<span class=\"__10 _d_9\"/>\u00f6r f\u00f6r\u00e4ndringar i verkligt<span class=\"__10 _469\"> </span> v\u00e4rde f<span class=\"__10 _d_9\"/>\u00f6r tillg\u00e5ngen.<span class=\"__10 _469\"> </span>F\u00f6r in<span class=\"__10 _d_9\"/>formation om pantsa<span class=\"__10 _d_9\"/>tta \ufb01nansiella instrument, se not<span class=\"__10 _469\"> </span> K3.9 \u201dPan<span class=\"__10 _d_9\"/>tsatta \ufb01nansiella instrument\u201d<span class=\"__10 _469\"> </span><span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span>K3.3 <span class=\"__10 _a_9\"> </span> <span class=\"__10 _b_9\"/>Klassi\ufb01cering och v\u00e4r<span class=\"__10 _d_9\"/>dering<span class=\"__10 _469\"> </span> Redovisningsprinciper<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>arje \ufb01nansiellt instrument har klassi\ufb01c<span class=\"__10 _471\"/>erats i n\u00e5gon a<span class=\"__10 _d_9\"/>v<span class=\"__10 _469\"> </span>  f\u00f6ljande <span class=\"__10 _2c_4\"> </span>kategorier:<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar:<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\"><span class=\"__10 _469\">Upplupet anskaffningsv</span><span class=\"__10 _d_9\"/>\u00e4rde<span class=\"__10 _469\"> </span></span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde via resulta<span class=\"__10 _471\"/>tr\u00e4kningen:<span class=\"__10 _469\"> </span></span> <span class=\"__10 _2e_4\"/>-<span class=\"__10 _2c_4\"> </span> <span class=\"__10 _479\"/>Obligatoriskt v\u00e4r<span class=\"__10 _d_9\"/>derade till verkligt v\u00e4rde via<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen<span class=\"__10 _469\"> </span> <span class=\"__10 _2e_4\"/>-<span class=\"__10 _2c_4\"> </span>F<span class=\"__10 _d_9\"/>r\u00e5n b\u00f6rjan v\u00e4rder<span class=\"__10 _471\"/>ade till verkligt v\u00e4r<span class=\"__10 _471\"/>de via resulta<span class=\"__10 _d_9\"/>tr\u00e4k-<span class=\"__10 _469\"> </span>ningen (verkligt v\u00e4r<span class=\"__10 _471\"/>de-optionen)<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Finansiella tillg\u00e5ngar v\u00e4rder<span class=\"__10 _471\"/>ade till verkligt v\u00e4r<span class=\"__10 _471\"/>de via \u00f6vrigt<span class=\"__10 _469\"> </span></span><span class=\"wsa_9\"> </span>totalr<span class=\"__10 _471\"/>esultat<span class=\"__10 _469\"> </span>Finansiella skulder:<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\"><span class=\"__10 _469\">Upplupet anskaffningsv</span><span class=\"__10 _d_9\"/>\u00e4rde<span class=\"__10 _469\"> </span></span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde via resulta<span class=\"__10 _471\"/>tr\u00e4kningen:<span class=\"__10 _469\"> </span></span> <span class=\"__10 _2e_4\"/>-<span class=\"__10 _2c_4\"> </span> <span class=\"__10 _479\"/>Obligatoriskt v\u00e4r<span class=\"__10 _d_9\"/>derade till verkligt v\u00e4rde via<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen<span class=\"__10 _469\"> </span> <span class=\"__10 _2e_4\"/>-<span class=\"__10 _2c_4\"> </span>F<span class=\"__10 _d_9\"/>r\u00e5n b\u00f6rjan v\u00e4rder<span class=\"__10 _471\"/>ade till verkligt v\u00e4r<span class=\"__10 _471\"/>de via resulta<span class=\"__10 _d_9\"/>tr\u00e4k-<span class=\"__10 _469\"> </span>ningen (verkligt v\u00e4r<span class=\"__10 _471\"/>de-optionen)<span class=\"__10 _469\"> </span>Klassi\ufb01ceringen a<span class=\"__10 _471\"/>v en \ufb01nansiell tillg\u00e5ng best\u00e4ms utif<span class=\"__10 _471\"/><span class=\"__10 _469\">r\u00e5n aff</span><span class=\"__10 _d_9\"/>\u00e4r<span class=\"__10 _c_9\"/>s-<span class=\"__10 _469\"> </span>modellen f\u00f6r den portf<span class=\"__10 _471\"/>\u00f6lj som instrumen<span class=\"__10 _d_9\"/>tet ing\u00e5r i och huru-<span class=\"__10 _469\"> </span>vida kassafl\u00f6dena endast ut<span class=\"__10 _471\"/>g\u00f6r betalning av k<span class=\"__10 _471\"/>apitalbelopp och<span class=\"__10 _469\"> </span> r\u00e4n<span class=\"__10 _471\"/>ta (SPPI).<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar med kassafl\u00f6den som in<span class=\"__10 _d_9\"/>te uteslutande<span class=\"__10 _469\"> </span> utg\u00f6rs av betalning a<span class=\"__10 _d_9\"/>v kapitalbelopp och r\u00e4nt<span class=\"__10 _471\"/>a v\u00e4rder<span class=\"__10 _471\"/>as till verk<span class=\"__10 _d_9\"/><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ligt v\u00e4rde via r<span class=\"__10 _471\"/>esultatr<span class=\"__10 _d_9\"/>\u00e4kningen. Alla \u00f6vriga tillg\u00e5ngar klassi\ufb01ceras<span class=\"__10 _469\"> </span> utifr\u00e5n a<span class=\"__10 _471\"/><span class=\"__10 _469\">ff\u00e4rsmodellen. P</span><span class=\"__10 _471\"/>ortf\u00f6ljinstrumen<span class=\"__10 _d_9\"/>t som omfattas a<span class=\"__10 _d_9\"/>v en<span class=\"__10 _c_9\"/> <span class=\"__10 _469\">aff\u00e4rsmodell d\u00e4r a</span><span class=\"__10 _d_9\"/>vsikten \u00e4r att beh\u00e5lla ins<span class=\"__10 _471\"/>trumenten och ta emo<span class=\"__10 _d_9\"/>t<span class=\"__10 _c_9\"/> avtals<span class=\"__10 _471\"/>enliga kassafl\u00f6den v\u00e4r<span class=\"__10 _d_9\"/><span class=\"__10 _469\">deras till upplupet anskaffningsv\u00e4r</span><span class=\"__10 _471\"/>de.<span class=\"__10 _469\"> </span> Instrument s<span class=\"__10 _471\"/>om omf<span class=\"__10 _d_9\"/><span class=\"__10 _469\">attas av en aff</span><span class=\"__10 _d_9\"/>\u00e4r<span class=\"__10 _c_9\"/>smodell d\u00e4r avsik<span class=\"__10 _d_9\"/>ten \u00e4r b\u00e5de<span class=\"__10 _469\"> </span> att beh\u00e5lla instrumen<span class=\"__10 _d_9\"/>ten f\u00f6r att samla in a<span class=\"__10 _d_9\"/>vtalsenliga kassafl\u00f6den<span class=\"__10 _469\"> </span> och att s\u00e4lja instrumen<span class=\"__10 _d_9\"/>ten, v\u00e4rderas till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde via \u00f6vrigt<span class=\"__10 _469\"> </span> totalr<span class=\"__10 _471\"/>esultat. Finansiella tillg\u00e5ngar som omf<span class=\"__10 _d_9\"/>attas av annan a<span class=\"__10 _471\"/><span class=\"__10 _469\">ff\u00e4rs</span><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>modell v\u00e4rder<span class=\"__10 _471\"/>as till verkligt v\u00e4r<span class=\"__10 _471\"/>de via resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen.<span class=\"__10 _469\"> </span>F\u00f6r a<span class=\"__10 _471\"/>tt kunna f<span class=\"__10 _471\"/>astst<span class=\"__10 _471\"/><span class=\"__10 _469\">\u00e4lla aff\u00e4rsmodell har </span><span class=\"ws8_9\">Nordea</span> dela<span class=\"__10 _d_9\"/>t in sina<span class=\"__10 _c_9\"/> \ufb01nansiella tillg\u00e5ngar i portf\u00f6ljer och underportf\u00f6ljer utifr<span class=\"__10 _d_9\"/>\u00e5n hur<span class=\"__10 _c_9\"/> olika grupper av \ufb01nansiella tillg\u00e5ngar f<span class=\"__10 _d_9\"/>\u00f6rvaltas tillsammans f\u00f6r a<span class=\"__10 _471\"/>tt<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">uppn\u00e5 ett visst aff</span><span class=\"__10 _d_9\"/>\u00e4r<span class=\"__10 _c_9\"/>sm\u00e5l. N\u00e4r r\u00e4tt niv\u00e5 f<span class=\"__10 _d_9\"/>\u00f6r portf\u00f6ljen ska fasts<span class=\"__10 _d_9\"/>t\u00e4l<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>las har <span class=\"ws8_9\">Nordea</span> tagit h\u00e4nsyn till ak<span class=\"__10 _471\"/><span class=\"__10 _469\">tuell aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5desstruk<span class=\"__10 _d_9\"/>tur<span class=\"__10 _471\"/>. Vid<span class=\"__10 _469\"> </span> fas<span class=\"__10 _471\"/>tst\u00e4llandet a<span class=\"__10 _d_9\"/><span class=\"__10 _469\">v aff\u00e4rsmodell f\u00f6r re</span><span class=\"__10 _471\"/>spektiv<span class=\"__10 _471\"/>e portf\u00f6lj har <span class=\"ws8_9\">Nordea</span><span class=\"ls0_10\"> </span>analyser<span class=\"__10 _471\"/>at syftet med de \ufb01nansiella tillg\u00e5ngarna och ex<span class=\"__10 _d_9\"/>empelvis<span class=\"__10 _469\"> </span> tidigare f<span class=\"__10 _471\"/>\u00f6rs\u00e4ljningstrender och ers\u00e4ttning till ledningen.<span class=\"__10 _469\"> </span>Alla \ufb01nansiella tillg\u00e5ngar och skulder redo<span class=\"__10 _471\"/>visas till verkligt<span class=\"__10 _469\"> </span> v\u00e4rde vid f<span class=\"__10 _d_9\"/>\u00f6rsta redovisningstillf<span class=\"__10 _d_9\"/>\u00e4llet<span class=\"__10 _c_9\"/>. Klassi\ufb01ceringen av \ufb01nan<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>siella instrument i olik<span class=\"__10 _471\"/>a kategorier utg\u00f6r grunden f<span class=\"__10 _d_9\"/>\u00f6r hur varje<span class=\"__10 _469\"> </span> \ufb01nansiellt instrumen<span class=\"__10 _d_9\"/>t d\u00e4refter v\u00e4rderas i balansr<span class=\"__10 _d_9\"/>\u00e4kningen och<span class=\"__10 _c_9\"/> hur f\u00f6r<span class=\"__10 _471\"/>\u00e4ndringar i dess v\u00e4rde r<span class=\"__10 _d_9\"/>edovisas. T<span class=\"__10 _479\"/>abellen Klassi\ufb01cering a<span class=\"__10 _d_9\"/>v<span class=\"__10 _c_9\"/> \ufb01nansiella instrument i no<span class=\"__10 _d_9\"/>t K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d<span class=\"__10 _469\"> </span> visar i vilka olika kategorier de \ufb01nansiella ins<span class=\"__10 _d_9\"/>trumenten i <span class=\"wsb_9\">Nordea</span><span class=\"ls0_10\">s<span class=\"__10 _469\"> </span></span><span class=\"ls0_10\"> </span>balansr\u00e4kning har klassi\ufb01cer<span class=\"__10 _471\"/>ats enligt IFRS 9.<span class=\"__10 _469\"> </span><span class=\"__10 _469\">Upplupet anskaff</span><span class=\"__10 _471\"/>ningsv\u00e4rde<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar och skulder v\u00e4r<span class=\"__10 _471\"/>derade till upplupet anska<span class=\"__10 _471\"/><span class=\"__10 _469\">ff</span><span class=\"ls0_10 ws0_10\">-<span class=\"__10 _469\"> </span></span>ningsv\u00e4rde r<span class=\"__10 _471\"/>edovisas initialt i balansr\u00e4kningen till v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde,<span class=\"__10 _469\"> </span> inklusive transak<span class=\"__10 _d_9\"/>tionskostnader<span class=\"__10 _d_9\"/>. Efter f<span class=\"__10 _471\"/>\u00f6rsta redovisnings<span class=\"__10 _d_9\"/>tillf\u00e4llet<span class=\"__10 _469\"> </span> v\u00e4rder<span class=\"__10 _471\"/>as instrumen<span class=\"__10 _471\"/>t i denna kategori till upplupet ansk<span class=\"__10 _471\"/><span class=\"__10 _469\">affnings</span><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>v\u00e4rde. Vid v<span class=\"__10 _471\"/><span class=\"__10 _469\">\u00e4rdering till upplupet anskaff</span><span class=\"__10 _d_9\"/>ningsv\u00e4rde resulta<span class=\"__10 _471\"/>tf\u00f6rs<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">skillnaden mellan anskaffningsv</span><span class=\"__10 _471\"/>\u00e4rdet och inl\u00f6senv<span class=\"__10 _d_9\"/>\u00e4rdet \u00f6ver den<span class=\"__10 _469\"> </span> \u00e5terst\u00e5ende l\u00f6p<span class=\"__10 _d_9\"/><span class=\"__10 _469\">tiden med hj\u00e4lp av effek</span><span class=\"__10 _d_9\"/>tivr\u00e4ntemetoden. Upplu<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span><span class=\"__10 _469\">pet anskaffningsv</span><span class=\"__10 _471\"/>\u00e4rde de\ufb01nieras s<span class=\"__10 _471\"/>om det belopp till vilket den<span class=\"__10 _469\"> </span> \ufb01nansiella tillg\u00e5ngen eller skulden v\u00e4r<span class=\"__10 _d_9\"/>deras vid f\u00f6rsta redo<span class=\"__10 _471\"/>vis<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ningstillf<span class=\"__10 _471\"/>\u00e4llet, minus avbetalningar a<span class=\"__10 _d_9\"/>v kapitalbelopp, plus eller<span class=\"__10 _469\"> </span> minus ackumulerade a<span class=\"__10 _d_9\"/>vskrivningar p\u00e5 eventuell skillnad mellan<span class=\"__10 _469\"> </span>K3.4 <span class=\"__10 _a_9\"> </span>V<span class=\"__10 _479\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span>Redovisningsprinciper<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde de\ufb01nieras som det pris som vid v<span class=\"__10 _471\"/>\u00e4rderingstid-<span class=\"__10 _469\"> </span>punkten sk<span class=\"__10 _d_9\"/>ulle erh\u00e5llas vid f\u00f6rs\u00e4ljning av en tillg\u00e5ng eller betalas vid \u00f6verl\u00e5<span class=\"__10 _d_9\"/>telse av en skuld i en ordnad tr<span class=\"__10 _d_9\"/>ansaktion mellan marknadsakt\u00f6r<span class=\"__10 _d_9\"/>er. Vid v<span class=\"__10 _d_9\"/>\u00e4rderingen till verkligt v\u00e4rde antas a<span class=\"__10 _471\"/>tt transak<span class=\"__10 _471\"/>tionen sker under ak<span class=\"__10 _471\"/>tuella marknadsf\u00f6rh\u00e5l<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>landen p\u00e5 tillg\u00e5ngens eller skuldens huvudmarknad, eller<span class=\"__10 _479\"/>, om en huvudmarknad saknas, p\u00e5 tillg\u00e5ngens eller skuldens mest f\u00f6r<span class=\"__10 _471\"/>delaktiga marknad.<span class=\"__10 _469\"> </span>Det b\u00e4sta beviset p\u00e5 v<span class=\"__10 _471\"/>erkligt v\u00e4rde \u00e4r f<span class=\"__10 _d_9\"/>\u00f6rekomsten a<span class=\"__10 _d_9\"/>v publicerade prisno<span class=\"__10 _471\"/>teringar p\u00e5 en aktiv marknad och n\u00e4r s\u00e5dana f\u00f6r<span class=\"__10 _471\"/>ekommer anv<span class=\"__10 _471\"/>\u00e4nds de vid v\u00e4rderingen a<span class=\"__10 _d_9\"/>v \ufb01nansiel-<span class=\"__10 _469\"> </span>la tillg\u00e5ngar och \ufb01nansiella skulder<span class=\"__10 _d_9\"/>. En aktiv marknad \u00e4r en marknad d\u00e4r transak<span class=\"__10 _471\"/>tioner med tillg\u00e5ngen eller skulden intr<span class=\"__10 _471\"/><span class=\"__10 _469\">\u00e4ffar tillr</span><span class=\"__10 _d_9\"/>\u00e4ckligt ofta och med tillr\u00e4cklig volym f<span class=\"__10 _d_9\"/>\u00f6r att ge l\u00f6pande prisinf<span class=\"__10 _d_9\"/>ormation. Den absoluta likviditets- och vol<span class=\"__10 _471\"/>ym-<span class=\"__10 _469\"> </span>niv\u00e5n som kr\u00e4<span class=\"__10 _d_9\"/>vs f\u00f6r att marknaden ska anse<span class=\"__10 _471\"/>s vara ak<span class=\"__10 _d_9\"/>tiv varie-<span class=\"__10 _469\"> </span>rar beroende p\u00e5 ins<span class=\"__10 _471\"/>trumentklass. F<span class=\"__10 _d_9\"/>\u00f6r vissa klasser f\u00f6religger l\u00e5g prisvolatilitet, \u00e4<span class=\"__10 _471\"/>ven f<span class=\"__10 _d_9\"/>\u00f6r instrument inom klasser d\u00e4r han-<span class=\"__10 _469\"> </span>delsfrekvens<span class=\"__10 _471\"/>en \u00e4r h\u00f6g. F\u00f6r ins<span class=\"__10 _d_9\"/>trument i s\u00e5dana klasser \u00e4r lik-<span class=\"__10 _469\"> </span>viditetskra<span class=\"__10 _d_9\"/>ven l\u00e4gre och d\u00e4rmed \u00e4r \u00e5ldersgr\u00e4nsen f<span class=\"__10 _471\"/>\u00f6r priserna som anv\u00e4nds f<span class=\"__10 _d_9\"/>\u00f6r att fasts<span class=\"__10 _d_9\"/>t\u00e4lla verkligt v\u00e4rde h\u00f6gre.<span class=\"__10 _469\"> </span>Handelsfrekvens<span class=\"__10 _471\"/>en och volymen \u00f6<span class=\"__10 _d_9\"/>ver<span class=\"__10 _c_9\"/>vakas regelbundet f\u00f6r a<span class=\"__10 _471\"/>tt bed\u00f6ma om marknaderna \u00e4r aktiv<span class=\"__10 _471\"/>a eller int<span class=\"__10 _471\"/>e. Om note-<span class=\"__10 _469\"> </span>rade priser f<span class=\"__10 _d_9\"/>\u00f6r ett \ufb01nansiellt instrument int<span class=\"__10 _d_9\"/>e representer<span class=\"__10 _d_9\"/>ar fak<span class=\"__10 _d_9\"/>tiska och regelbundet f\u00f6rekommande marknads<span class=\"__10 _d_9\"/>transak-<span class=\"__10 _469\"> </span>tioner<span class=\"__10 _d_9\"/>, eller om noterade priser in<span class=\"__10 _d_9\"/>te \ufb01nns tillg\u00e4ngliga, fast-<span class=\"__10 _469\"> </span>st\u00e4lls det verkliga v<span class=\"__10 _d_9\"/>\u00e4rdet med hj\u00e4lp av l\u00e4mplig v\u00e4rderingsme-<span class=\"__10 _469\"> </span>tod. V<span class=\"__10 _d_9\"/>\u00e4rderingsmetodens l\u00e4mplighet, inklusive en bed\u00f6mning av om no<span class=\"__10 _d_9\"/>terade priser eller teoretiska priser ska an<span class=\"__10 _471\"/>v\u00e4ndas, \u00f6vervakas r<span class=\"__10 _471\"/>egelbundet.<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>\u00e4rderingsmetoderna kan variera f<span class=\"__10 _471\"/>r\u00e5n enkel anal<span class=\"__10 _d_9\"/>ys av  <span class=\"__10 _2f_4\"/>diskon<span class=\"__10 _d_9\"/>terade kassafl\u00f6den till komple<span class=\"__10 _471\"/>xa optionsv\u00e4r<span class=\"__10 _d_9\"/>derings-<span class=\"__10 _469\"> </span>modeller<span class=\"__10 _d_9\"/>. V<span class=\"__10 _471\"/>\u00e4rderingsmodellerna har utf<span class=\"__10 _471\"/>ormats s\u00e5 att obser-<span class=\"__10 _469\"> </span>verbara marknadspriser och k<span class=\"__10 _d_9\"/>ur<span class=\"__10 _c_9\"/>ser anv\u00e4nds s<span class=\"__10 _471\"/>om indata i f\u00f6r<span class=\"__10 _471\"/>ekommande fall, men \u00e4<span class=\"__10 _d_9\"/>ven icke observerbara modell <span class=\"__10 _558\"/>-<span class=\"__10 _469\"> </span>parametrar kan an<span class=\"__10 _d_9\"/>v\u00e4ndas. V\u00e4r<span class=\"__10 _d_9\"/>deringsmodellens l\u00e4mplighet bed\u00f6ms genom att m\u00e4ta dess f<span class=\"__10 _d_9\"/>\u00f6rm\u00e5ga att matcha marknads-<span class=\"__10 _469\"> </span>priser<span class=\"__10 _d_9\"/>. Detta g\u00f6rs genom att j\u00e4mf<span class=\"__10 _d_9\"/>\u00f6ra ber\u00e4knade priser med relevan<span class=\"__10 _d_9\"/>t j\u00e4mf\u00f6rels<span class=\"__10 _471\"/>edata, t.ex. b\u00f6rsk<span class=\"__10 _471\"/>urser<span class=\"__10 _d_9\"/>, motpartens v\u00e4rde-<span class=\"__10 _469\"> </span>ringar eller konsensuspriser<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>F\u00f6r \ufb01nansiella ins<span class=\"__10 _471\"/>trument d\u00e4r v<span class=\"__10 _471\"/>erkligt v\u00e4rde uppska<span class=\"__10 _d_9\"/>ttas med hj\u00e4lp av en v<span class=\"__10 _d_9\"/>\u00e4rderingsmetod unders\u00f6ks om de variabler som anv\u00e4n<span class=\"__10 _d_9\"/>ts i v\u00e4rderingsmodellen till \u00f6verv\u00e4gande del base-<span class=\"__10 _469\"> </span>rats p\u00e5 da<span class=\"__10 _471\"/>ta fr\u00e5n obs<span class=\"__10 _471\"/>erverbara marknader<span class=\"__10 _d_9\"/>. Med data fr<span class=\"__10 _d_9\"/>\u00e5n observerbara marknader a<span class=\"__10 _d_9\"/>vser Nordea data som kan inh\u00e4m-<span class=\"__10 _469\"> </span>tas fr\u00e5n allm\u00e4n<span class=\"__10 _d_9\"/>t tillg\u00e4ngliga externa k\u00e4llor och som bed\u00f6ms utg\u00f6ra realis<span class=\"__10 _d_9\"/>tiska marknadspriser<span class=\"__10 _471\"/>. Vid anv\u00e4ndning a<span class=\"__10 _d_9\"/>v icke observerbara data, s<span class=\"__10 _471\"/>om har en betydande inv<span class=\"__10 _471\"/>erkan p\u00e5 v\u00e4rde-<span class=\"__10 _469\"> </span>ringen, kan instrumen<span class=\"__10 _471\"/>tet vid f<span class=\"__10 _471\"/>\u00f6rsta redovisnings<span class=\"__10 _d_9\"/>tillf\u00e4llet inte redovisas till det verkliga v<span class=\"__10 _d_9\"/>\u00e4rde som ber\u00e4knats via v\u00e4r<span class=\"__10 _471\"/>de-<span class=\"__10 _469\"> </span>ringsmetoden, och even<span class=\"__10 _d_9\"/>tuella initiala vinster periodiseras d\u00e4r-<span class=\"__10 _469\"> </span>f\u00f6r i r<span class=\"__10 _471\"/>esultatr<span class=\"__10 _d_9\"/>\u00e4kningen \u00f6ver instrument<span class=\"__10 _471\"/>ets l\u00f6ptid. De initiala vinsterna redo<span class=\"__10 _d_9\"/>visas d\u00e4refter direkt i re<span class=\"__10 _471\"/>sultatr<span class=\"__10 _d_9\"/>\u00e4kningen i det fall icke obs<span class=\"__10 _471\"/>erverbara data blir observerbar<span class=\"__10 _d_9\"/>a.<span class=\"__10 _469\"> </span>Tillg\u00e5ngar och skulder v\u00e4r<span class=\"__10 _471\"/>deras till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde utifr\u00e5n de tre niv\u00e5erna i IFRS-hier<span class=\"__10 _471\"/>arkin f\u00f6r v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde. Hierarkin ger h\u00f6gst prioritet till not<span class=\"__10 _d_9\"/>erade priser (ojuster<span class=\"__10 _471\"/>ade) p\u00e5 ak<span class=\"__10 _471\"/>tiva marknader f\u00f6r iden<span class=\"__10 _d_9\"/>tiska tillg\u00e5ngar och skulder (niv\u00e5 1) och l\u00e4gst prioritet till ej observerbar indat<span class=\"__10 _471\"/>a (niv\u00e5 3). Klassi\ufb01ce-<span class=\"__10 _469\"> </span>ringen av dessa ins<span class=\"__10 _d_9\"/>trument baseras p\u00e5 den l\u00e4gsta niv<span class=\"__10 _d_9\"/>\u00e5 indata som \u00e4r v\u00e4sen<span class=\"__10 _d_9\"/>tlig f\u00f6r verkligt v\u00e4rde-v<span class=\"__10 _d_9\"/>\u00e4rderingen i sin helhet<span class=\"__10 _c_9\"/>.<span class=\"__10 _469\"> </span>Niv\u00e5 1 i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4rde utg\u00f6rs a<span class=\"__10 _d_9\"/>v tillg\u00e5ngar och skulder som v\u00e4r<span class=\"__10 _d_9\"/>derats med hj\u00e4lp av ojus<span class=\"__10 _471\"/>terade no<span class=\"__10 _471\"/>terade pri-<span class=\"__10 _469\"> </span>ser p\u00e5 aktiv<span class=\"__10 _d_9\"/>a marknader f\u00f6r identiska tillg\u00e5ngar och skulder<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>En aktiv marknad \u00e4r en marknad d\u00e4r tr<span class=\"__10 _471\"/>ansaktioner med till<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>g\u00e5ngen eller skulden in<span class=\"__10 _471\"/><span class=\"__10 _469\">tr\u00e4ff</span><span class=\"__10 _d_9\"/>ar tillr\u00e4ckligt ofta och med till-<span class=\"__10 _469\"> </span>r\u00e4cklig vol<span class=\"__10 _d_9\"/>ym f\u00f6r att ge l\u00f6pande prisinf<span class=\"__10 _d_9\"/>ormation. Niv\u00e5 2 i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4rde utg\u00f6rs a<span class=\"__10 _d_9\"/>v tillg\u00e5ngar och skulder som in<span class=\"__10 _471\"/>te har noter<span class=\"__10 _d_9\"/>ade marknadspriser direkt tillg\u00e4ng-<span class=\"__10 _469\"> </span>liga fr\u00e5n ak<span class=\"__10 _d_9\"/>tiva marknader<span class=\"__10 _d_9\"/>. Verkligt v<span class=\"__10 _471\"/>\u00e4rde baseras p\u00e5 no<span class=\"__10 _d_9\"/>te-<span class=\"__10 _469\"> </span>rade priser f<span class=\"__10 _d_9\"/>\u00f6r liknande tillg\u00e5ngar eller skulder p\u00e5 aktiva marknader<span class=\"__10 _d_9\"/>, eller noterade priser p\u00e5 iden<span class=\"__10 _d_9\"/>tiska eller liknande tillg\u00e5ngar eller skulder p\u00e5 marknader som in<span class=\"__10 _d_9\"/>te \u00e4r aktiva. V<span class=\"__10 _d_9\"/>erk-<span class=\"__10 _469\"> </span>ligt v\u00e4rde kan ocks\u00e5 ber<span class=\"__10 _d_9\"/>\u00e4knas med hj\u00e4lp av v\u00e4rderingsmeto-<span class=\"__10 _469\"> </span>der eller v\u00e4rderingsmodeller som bas<span class=\"__10 _471\"/>eras p\u00e5 marknadspriser eller indata p\u00e5 balansdagen, om ev<span class=\"__10 _d_9\"/>entuella ej observerbara indata har haft en obety<span class=\"__10 _471\"/>dlig inverkan p\u00e5 de v<span class=\"__10 _d_9\"/>erkliga v\u00e4rdena.<span class=\"__10 _469\"> </span>Niv\u00e5 3 i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4rde utg\u00f6rs a<span class=\"__10 _d_9\"/>v de tillg\u00e5ngar och skulder f<span class=\"__10 _471\"/>\u00f6r vilka verkliga v\u00e4r<span class=\"__10 _d_9\"/>den inte kan erh\u00e5llas direk<span class=\"__10 _471\"/>t fr\u00e5n no<span class=\"__10 _471\"/>terade marknadspriser eller indir<span class=\"__10 _d_9\"/>ekt via v\u00e4rderingsme-<span class=\"__10 _469\"> </span>toder eller v\u00e4rderingsmodell<span class=\"__10 _471\"/>er som bygger p\u00e5 observerbar<span class=\"__10 _d_9\"/>a marknadspriser eller indata<div class=\"t_10 m0_10 h5_9 ff1_10 fs3_9 fc0_10 sc0_10 ls0_10 ws23_7\" style=\"left:0.013267517px; bottom:135.55383px;\">K3.5 K<span class=\"__10 _d_9\"/>vittning<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h6_9 ff1_10 fs4_9 fc1_9 sc0_10 ls0_10 ws0_10\" style=\"left:7.383362px; bottom:108.49695px;\">Redovisningsprinciper<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:83.91278px;\">Nordea kvittar \ufb01nansiella tillg\u00e5ngar och skulder i balansr<span class=\"__10 _d_9\"/>\u00e4k-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:70.38757px;\">ningen om laglig r\u00e4tt till kvittning f<span class=\"__10 _d_9\"/>\u00f6religger och om avsik<span class=\"__10 _d_9\"/>ten </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:56.862366px;\">\u00e4r att nettoregler<span class=\"__10 _d_9\"/>a posterna eller avyttr<span class=\"__10 _471\"/>a tillg\u00e5ngen samtidigt </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:43.33716px;\">som skulden regler<span class=\"__10 _d_9\"/>as. Den lagstadgade r\u00e4tten till kvittning </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:29.812012px;\">ska f\u00f6r<span class=\"__10 _471\"/>eligga b\u00e5de i den l\u00f6pande verksamheten och i h\u00e4ndel<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:16.286804px;\">se av f<span class=\"__10 _d_9\"/>allissemang, konkurs och insolvens hos Nor<span class=\"__10 _d_9\"/>dea eller </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:2.7615967px;\">dess motparter<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h5_9 ff1_10 fs3_9 fc0_10 sc0_10 ls0_10 ws23_7\" style=\"left:0.013267517px; bottom:824.5608px;\">K3.6 S\u00e4kringsredovisning<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h6_9 ff1_10 fs4_9 fc1_9 sc0_10 ls0_10 ws0_10\" style=\"left:7.383362px; bottom:797.5039px;\">Redovisningsprinciper<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:772.91974px;\">N\u00e4r ett s\u00e4kringsf\u00f6rh\u00e5llande uppfyll<span class=\"__10 _471\"/>er de angivna kriterierna<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:759.39453px;\">f\u00f6r s\u00e4kringsr<span class=\"__10 _471\"/>edovisning i IAS 39, anv<span class=\"__10 _471\"/>\u00e4nder Nordea en a<span class=\"__10 _d_9\"/>v f\u00f6l-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:745.8693px;\">jande tre typer a<span class=\"__10 _471\"/>v s\u00e4kringsredovisning:<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:732.3441px;\">\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">s\u00e4kring av v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:718.8189px;\">\u2022 <span class=\"__10 _2d_4\"> </span>kassafl\u00f6dess\u00e4kring<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:705.2937px;\">\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">s\u00e4kring av nett<span class=\"__10 _471\"/>oinves<span class=\"__10 _d_9\"/>teringar<span class=\"__10 _471\"/>.<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:678.23224px;\">Nordea har<span class=\"__10 _d_9\"/>, efter policybeslut i enlighet med IFRS 9, val<span class=\"__10 _d_9\"/>t att<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:664.7071px;\">forts\u00e4tta till\u00e4mpa s\u00e4kringsr<span class=\"__10 _471\"/>edovisning enligt EU:s \u201d<span class=\"__10 _479\"/>car<span class=\"__10 _c_9\"/>ve out\u201d-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:651.1819px;\">version av IAS 39.<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:12.908623px; bottom:637.6567px;\">Enligt EU:s \u201d<span class=\"__10 _d_9\"/>carve out<span class=\"__10 _c_9\"/>\u201d-version av IAS 39 kan makr<span class=\"__10 _471\"/>os\u00e4kring<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:624.1315px;\">av v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde till ex<span class=\"__10 _471\"/>empel anv\u00e4ndas f<span class=\"__10 _d_9\"/>\u00f6r avistainl\u00e5ning<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:610.60626px;\">(j\u00e4mf<span class=\"__10 _471\"/>\u00f6r IAS 39 publicerad a<span class=\"__10 _d_9\"/><span class=\"__10 _469\">v IASB), och ineffektivit</span><span class=\"__10 _471\"/>et i sam-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:597.08105px;\">band med s\u00e4kring av tillg\u00e5ngar med m\u00f6jlighet till f<span class=\"__10 _d_9\"/>\u00f6rtida<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:583.55585px;\">in <span class=\"__10 _558\"/>l\u00f6sen redovisas f\u00f6rs<span class=\"__10 _471\"/>t n\u00e4r den reviderade ber<span class=\"__10 _d_9\"/>\u00e4kningen av<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:570.03064px;\">kassafl\u00f6desbeloppet hamnar under den nedre skik<span class=\"__10 _d_9\"/>tgr\u00e4nsen.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:12.908623px; bottom:556.5055px;\">F\u00f6r a<span class=\"__10 _471\"/>tt f\u00e5 till\u00e4mpa s\u00e4kringsr<span class=\"__10 _471\"/>edovisning kr\u00e4<span class=\"__10 _d_9\"/>vs att s\u00e4kringen<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:542.9803px;\"><span class=\"__10 _469\">har en h\u00f6g effek</span><span class=\"__10 _d_9\"/>tivitet<span class=\"__10 _c_9\"/>. En s\u00e4kring anses ha detta om det vid<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:529.4551px;\">ing\u00e5ngen och under s\u00e4kringens hela l\u00f6ptid kan f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>v\u00e4ntas a<span class=\"__10 _d_9\"/>tt<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:515.9299px;\">f\u00f6r<span class=\"__10 _471\"/>\u00e4ndringar i verkligt v\u00e4r<span class=\"__10 _471\"/>de p\u00e5 den s\u00e4krade post<span class=\"__10 _471\"/>en, med<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:502.40466px;\">avseende p\u00e5 den s\u00e4kr<span class=\"__10 _d_9\"/>ade risken, v\u00e4sentligen neutr<span class=\"__10 _471\"/>aliseras a<span class=\"__10 _d_9\"/>v<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:488.87946px;\">f\u00f6r<span class=\"__10 _471\"/>\u00e4ndringar i verkligt v\u00e4r<span class=\"__10 _471\"/>de p\u00e5 s\u00e4kringsinstrumen<span class=\"__10 _471\"/>tet. Utfallet<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:475.35425px;\">ska ligga inom intervallet 80\u2013<span class=\"__10 _d_9\"/>12<span class=\"__10 _c_9\"/>5 procen<span class=\"__10 _471\"/>t.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:12.908623px; bottom:461.82904px;\">T<span class=\"__10 _479\"/>ransaktioner som genom<span class=\"__10 _471\"/>f\u00f6rs i enlighet med Nordeas s\u00e4k<span class=\"__10 _d_9\"/>-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:448.3039px;\">ringsm\u00e5l, men som inte uppfyller krit<span class=\"__10 _471\"/>erierna f\u00f6r s\u00e4kringsr<span class=\"__10 _471\"/>edo-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:434.7787px;\">visning, \u00e4r ekonomiska s\u00e4kringsf<span class=\"__10 _471\"/>\u00f6rh\u00e5llanden.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h6_9 ff1_10 fs4_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:407.6339px;\">S\u00e4kring av v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:394.1048px;\">S\u00e4kring av v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde till\u00e4mpas n\u00e4r derivat anv<span class=\"__10 _d_9\"/>\u00e4nds f\u00f6r att<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:380.5796px;\">risks\u00e4kra f<span class=\"__10 _471\"/>\u00f6r\u00e4ndringar i verkligt v<span class=\"__10 _d_9\"/>\u00e4rde p\u00e5 en redovisad till-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:367.05438px;\">g\u00e5ng eller skuld h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6rlig till en speci\ufb01k risk. S\u00e4kring av verk<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:353.52917px;\">ligt v\u00e4rde kan till\u00e4mpas p\u00e5 b\u00e5de mikr<span class=\"__10 _471\"/>oniv\u00e5 (enskilda tillg\u00e5ng-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:340.004px;\">ar/<span class=\"__10 _d_9\"/>skulder eller st\u00e4ngda portf\u00f6ljer a<span class=\"__10 _d_9\"/>v tillg\u00e5ngar/<span class=\"__10 _d_9\"/>skulder<span class=\"__10 _d_9\"/>, d\u00e4r<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:326.4788px;\">en eller flera post<span class=\"__10 _471\"/>er s\u00e4kras med hj\u00e4lp a<span class=\"__10 _d_9\"/>v ett eller flera s\u00e4k-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:312.95358px;\">ringsinstrument), och makr<span class=\"__10 _d_9\"/>oniv\u00e5 (\u00f6ppna portf\u00f6ljer<span class=\"__10 _d_9\"/>, d\u00e4r grup-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:299.42838px;\">per av pos<span class=\"__10 _d_9\"/>ter s\u00e4kras med hj\u00e4lp av flera s\u00e4kringsins<span class=\"__10 _d_9\"/>trument).<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:12.908623px; bottom:285.9032px;\">F\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndringar i verkligt v\u00e4rde p\u00e5 derivat (s\u00e4kringsins<span class=\"__10 _d_9\"/>tru-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:272.378px;\">ment) liksom f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i verkligt v\u00e4rde p\u00e5 den s\u00e4kr<span class=\"__10 _d_9\"/>ade<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:258.85278px;\">posten, h\u00e4n<span class=\"__10 _471\"/>f\u00f6rliga till de risk<span class=\"__10 _471\"/>er som s\u00e4kras, redo<span class=\"__10 _d_9\"/>visas separat i<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:245.32758px;\">resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen under \u201dNettoresultat a<span class=\"__10 _d_9\"/>v poster till verkligt<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:231.8024px;\">v\u00e4rde\u201d<span class=\"__10 _479\"/><span class=\"__10 _469\">. Om s\u00e4kringen \u00e4r effek</span><span class=\"__10 _d_9\"/>tiv tar f\u00f6r\u00e4ndringen i verkligt<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:218.27719px;\">v\u00e4rde p\u00e5 den s\u00e4kr<span class=\"__10 _471\"/>ade posten re<span class=\"__10 _471\"/>spektiv<span class=\"__10 _471\"/>e s\u00e4kringsinstrumen<span class=\"__10 _471\"/>tet<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:204.75198px;\">ut varandr<span class=\"__10 _d_9\"/>a.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:12.908623px; bottom:191.22678px;\">F\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndringarna i verkligt v\u00e4rde p\u00e5 den s\u00e4krade post<span class=\"__10 _471\"/>en,<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:177.7016px;\">h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6rliga till riskerna s\u00e4krade med derivatinstrumen<span class=\"__10 _d_9\"/>tet<span class=\"__10 _c_9\"/>,<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:164.17639px;\">avspeglas i en jus<span class=\"__10 _d_9\"/>tering av den s\u00e4krade post<span class=\"__10 _471\"/>ens redovisade<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:150.65118px;\">v\u00e4rde som ocks\u00e5 r<span class=\"__10 _471\"/>edovisas i resul<span class=\"__10 _471\"/>tatr<span class=\"__10 _471\"/>\u00e4kningen. F\u00f6r<span class=\"__10 _471\"/>\u00e4ndringen i<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:137.12598px;\">verkligt v\u00e4r<span class=\"__10 _471\"/>de p\u00e5 r\u00e4n<span class=\"__10 _471\"/>tes\u00e4krade pos<span class=\"__10 _471\"/>ter p\u00e5 makroniv<span class=\"__10 _471\"/>\u00e5, v\u00e4rde-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:123.6008px;\"><span class=\"__10 _469\">rade till upplupet anskaff</span><span class=\"__10 _d_9\"/>ningsv\u00e4rde, redovisas i balansr\u00e4k<span class=\"__10 _d_9\"/>-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:110.07559px;\">ningen separera<span class=\"__10 _d_9\"/>t under posten \u201dF\u00f6r\u00e4ndring a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:96.550385px;\">f\u00f6r r<span class=\"__10 _471\"/>\u00e4nte<span class=\"__10 _471\"/>s\u00e4krade post<span class=\"__10 _471\"/>er i s\u00e4kringsportf\u00f6ljer<span class=\"__10 _c_9\"/>\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:12.908623px; bottom:83.02519px;\">E<span class=\"__10 _471\"/>ventuell ine<span class=\"__10 _471\"/><span class=\"__10 _469\">ffek</span><span class=\"__10 _d_9\"/>tiv del av s\u00e4kringen redovisas i r<span class=\"__10 _471\"/>esultat-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:69.499985px;\">r\u00e4kningen under post<span class=\"__10 _471\"/>en \u201dNettoresult<span class=\"__10 _471\"/>at a<span class=\"__10 _d_9\"/>v poster till verkligt<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:55.974792px;\">v\u00e4rde\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:12.908623px; bottom:42.449585px;\">Om s\u00e4kringsf\u00f6rh\u00e5llandet in<span class=\"__10 _d_9\"/>te uppfyller krav<span class=\"__10 _d_9\"/>en f\u00f6r s\u00e4krings-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:28.924393px;\">redovisning a<span class=\"__10 _d_9\"/>vslutas s\u00e4kringsredovisningen. S\u00e4kringsinstru-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:15.399185px;\">mentet v<span class=\"__10 _d_9\"/>\u00e4rderas till verkligt v\u00e4rde via r<span class=\"__10 _471\"/>esulta<span class=\"__10 _471\"/>tr\u00e4kningen och<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:828.08246px;\">f\u00f6r<span class=\"__10 _471\"/>\u00e4ndringen i verkligt v\u00e4r<span class=\"__10 _471\"/>de p\u00e5 den s\u00e4krade post<span class=\"__10 _471\"/>en, fram till<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:814.5573px;\">den tidpunkt d\u00e5 s\u00e4kringsf<span class=\"__10 _d_9\"/>\u00f6rh\u00e5llandet avslutas, resul<span class=\"__10 _471\"/>tatf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:801.0321px;\">linj\u00e4rt \u00f6ver den s\u00e4krade pos<span class=\"__10 _471\"/>tens \u00e5terst<span class=\"__10 _471\"/>\u00e5ende l\u00f6ptid.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h6_9 ff1_10 fs4_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:773.857px;\">Kassafl\u00f6dess\u00e4kring<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:760.32794px;\">Kassafl\u00f6dess\u00e4kring till\u00e4mpas f<span class=\"__10 _d_9\"/>\u00f6r s\u00e4kring av risk h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6rlig till<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:746.80273px;\">variationer i f<span class=\"__10 _471\"/>ram<span class=\"__10 _471\"/>tida kassafl\u00f6den. Den del a<span class=\"__10 _d_9\"/>v vinsten eller<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:733.2775px;\">f\u00f6rlus<span class=\"__10 _d_9\"/>ten p\u00e5 s\u00e4kringsinstrumentet som bed\u00f6ms v<span class=\"__10 _471\"/><span class=\"__10 _469\">ara en eff</span><span class=\"__10 _d_9\"/>ek-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:719.7523px;\">tiv s\u00e4kring redovisas i \u00f6vrigt t<span class=\"__10 _d_9\"/>otalresultat och ack<span class=\"__10 _471\"/>umuleras i<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:706.2271px;\">reserven f<span class=\"__10 _471\"/>\u00f6r kassafl\u00f6dess\u00e4kringar under eget kapital. Den<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:692.7019px;\"><span class=\"__10 _469\">ineffek</span><span class=\"__10 _d_9\"/>tiva delen av vinst<span class=\"__10 _d_9\"/>en eller f\u00f6rlusten p\u00e5 s\u00e4kringsins<span class=\"__10 _471\"/>tru-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:679.1767px;\">mentet omklassi\ufb01c<span class=\"__10 _471\"/>eras till resul<span class=\"__10 _471\"/>tatr<span class=\"__10 _471\"/>\u00e4kningen under posten<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws4_9\" style=\"left:320.61172px; bottom:665.6515px;\">\u201dNettoresult<span class=\"__10 _471\"/>at a<span class=\"__10 _d_9\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__10 _479\"/>. S\u00e4kringen bed\u00f6m<span class=\"__10 _469\"> </span>s </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:652.12634px;\"><span class=\"__10 _469\">vara ineff</span><span class=\"__10 _d_9\"/>ektiv i den utstr\u00e4ckning s<span class=\"__10 _471\"/>om den ackumulerade f<span class=\"__10 _d_9\"/>\u00f6r-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:638.60114px;\">\u00e4ndringen i verkligt v\u00e4r<span class=\"__10 _471\"/>de sedan s\u00e4kringen ingicks \u00e4r st\u00f6rr<span class=\"__10 _471\"/>e<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:625.0759px;\">f\u00f6r s\u00e4kringsins<span class=\"__10 _471\"/>trumentet \u00e4n f<span class=\"__10 _d_9\"/>\u00f6r den s\u00e4krade posten.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:333.50708px; bottom:611.5507px;\">Vinster eller f<span class=\"__10 _d_9\"/>\u00f6rluster p\u00e5 s\u00e4kringsinstrumen<span class=\"__10 _471\"/>t som redovi-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:598.0255px;\">sats i reserven f<span class=\"__10 _d_9\"/>\u00f6r kassafl\u00f6dess\u00e4kringar under eget kapital vi<span class=\"__10 _469\"> </span>a </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:584.5003px;\">\u00f6vrigt tot<span class=\"__10 _471\"/>alresulta<span class=\"__10 _d_9\"/>t omklassi\ufb01ceras och redovisas i resul<span class=\"__10 _471\"/>tat-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:570.9751px;\">r\u00e4kningen i samma period som den s\u00e4krade pos<span class=\"__10 _d_9\"/>ten p\u00e5verkar<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws16_9\" style=\"left:320.61172px; bottom:557.4499px;\">resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen, normalt i den period n\u00e4r r\u00e4ntein<span class=\"__10 _d_9\"/>t\u00e4kten elle<span class=\"__10 _469\"> </span>r </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:543.92474px;\">r\u00e4n<span class=\"__10 _471\"/>tekostnaden r<span class=\"__10 _d_9\"/>edovisas.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:333.50708px; bottom:530.39954px;\">En s\u00e4krad post i en kassa<span class=\"__10 _471\"/>fl\u00f6dess\u00e4kring kan var<span class=\"__10 _471\"/>a h\u00f6gst san-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:516.8743px;\">nolika kassafl\u00f6den fr<span class=\"__10 _d_9\"/>\u00e5n redovisade, eller fram<span class=\"__10 _471\"/>tida, tillg\u00e5ngar<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:503.34912px;\">eller skulder<span class=\"__10 _d_9\"/>. Derivat som an<span class=\"__10 _d_9\"/>v\u00e4nds som s\u00e4kringsinstrument<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:489.8239px;\">v\u00e4rder<span class=\"__10 _471\"/>as alltid till verkligt v<span class=\"__10 _471\"/>\u00e4rde.<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:333.50708px; bottom:476.2987px;\">Om s\u00e4kringsf\u00f6rh\u00e5llandet in<span class=\"__10 _d_9\"/>te uppfyller krav<span class=\"__10 _d_9\"/>en f\u00f6r s\u00e4krings<span class=\"__10 _469\"> </span>-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:462.7735px;\">redovisning a<span class=\"__10 _d_9\"/>vslutas s\u00e4kringsredovisningen. F<span class=\"__10 _471\"/>\u00f6r kassafl\u00f6-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:449.2483px;\">dess\u00e4kringar redovisas f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i det orealiserade v\u00e4r<span class=\"__10 _d_9\"/>det<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:435.72314px;\">p\u00e5 s\u00e4kringsinstrument<span class=\"__10 _d_9\"/>et i resultatr\u00e4kningen fr<span class=\"__10 _d_9\"/>\u00e5n och med det<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:422.19794px;\">senaste tillf<span class=\"__10 _d_9\"/><span class=\"__10 _469\">\u00e4llet d\u00e5 s\u00e4kringen bed\u00f6mdes vara eff</span><span class=\"__10 _471\"/>ektiv<span class=\"__10 _479\"/>. Den<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:408.67273px;\">ackumulerade vins<span class=\"__10 _d_9\"/>ten eller f\u00f6rlusten p\u00e5 s\u00e4kringsins<span class=\"__10 _d_9\"/>trumentet<span class=\"__10 _469\"> </span>, </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:395.14752px;\">som sedan den period d\u00e5 s\u00e4kringen bed\u00f6mdes var<span class=\"__10 _d_9\"/><span class=\"__10 _469\">a effektiv<span class=\"__10 _469\"> </span></span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:381.6223px;\">har redovisa<span class=\"__10 _471\"/>ts i reserven f<span class=\"__10 _471\"/>\u00f6r kassafl\u00f6dess\u00e4kringar under eget<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:368.0971px;\">kapital via \u00f6vrigt to<span class=\"__10 _d_9\"/>talresultat, omklassi\ufb01ceras fr<span class=\"__10 _471\"/>\u00e5n eget kapi-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:354.57193px;\">tal till \u201dNettoresul<span class=\"__10 _471\"/>tat a<span class=\"__10 _d_9\"/>v poster till verkligt v\u00e4rde\u201d i r<span class=\"__10 _d_9\"/>esultatr\u00e4k<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:341.04672px;\">ningen om den f\u00f6rv\u00e4n<span class=\"__10 _d_9\"/>tade transaktionen int<span class=\"__10 _d_9\"/>e l\u00e4ngre f\u00f6rv\u00e4n-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:327.5215px;\">tas intr<span class=\"__10 _471\"/><span class=\"__10 _469\">\u00e4ff</span><span class=\"__10 _471\"/>a.<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:333.50708px; bottom:313.9963px;\">Om den f\u00f6rv\u00e4n<span class=\"__10 _d_9\"/>tade transaktionen int<span class=\"__10 _d_9\"/>e l\u00e4ngre \u00e4r h\u00f6gst san-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:300.47113px;\">nolik, men \u00e4nd\u00e5 f\u00f6rv\u00e4nt<span class=\"__10 _471\"/>as intr<span class=\"__10 _471\"/><span class=\"__10 _469\">\u00e4ffa, s\u00e5 kv</span><span class=\"__10 _d_9\"/>ar<span class=\"__10 _c_9\"/>st\u00e5r den ack<span class=\"__10 _471\"/>umule-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:286.94592px;\">rade vinst<span class=\"__10 _471\"/>en eller f\u00f6rlus<span class=\"__10 _d_9\"/>ten p\u00e5 s\u00e4kringsinstrumentet, som har<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:273.42072px;\">redovisa<span class=\"__10 _471\"/>ts under \u00f6vrigt tot<span class=\"__10 _471\"/>alresulta<span class=\"__10 _d_9\"/>t sedan den period d\u00e5 s\u00e4k-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:259.8955px;\"><span class=\"__10 _469\">ringen bed\u00f6mdes vara eff</span><span class=\"__10 _d_9\"/>ektiv<span class=\"__10 _d_9\"/>, i \u00f6vrigt totalr<span class=\"__10 _d_9\"/>esultat till dess<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:246.37033px;\">att transak<span class=\"__10 _d_9\"/><span class=\"__10 _469\">tionen intr\u00e4ff</span><span class=\"__10 _d_9\"/>ar eller inte l\u00e4ngre f<span class=\"__10 _471\"/>\u00f6rv\u00e4ntas in<span class=\"__10 _d_9\"/><span class=\"__10 _469\">tr\u00e4ffa.<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h6_9 ff1_10 fs4_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:219.16391px;\">S\u00e4kring av nett<span class=\"__10 _d_9\"/>oinvesteringar<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:205.63483px;\">S\u00e4kring av nett<span class=\"__10 _471\"/>oinves<span class=\"__10 _d_9\"/>teringar till\u00e4mpas f\u00f6r s\u00e4kring av v<span class=\"__10 _d_9\"/>aluta-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:192.10962px;\">risk i nettoinve<span class=\"__10 _471\"/>steringar i utl\u00e4ndsk verksamhet. V<span class=\"__10 _d_9\"/>alutarisk<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:178.58441px;\">de\ufb01nieras som risken f<span class=\"__10 _d_9\"/>\u00f6r f\u00f6rlust h\u00e4n<span class=\"__10 _d_9\"/>f\u00f6rlig till inves<span class=\"__10 _471\"/>teringar i<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:165.0592px;\">utl\u00e4ndsk verksamhet som har en annan funk<span class=\"__10 _d_9\"/>tionell valuta \u00e4n<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:151.53403px;\">koncernens rapporteringsv<span class=\"__10 _471\"/>aluta.  </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:333.50708px; bottom:138.00882px;\">V<span class=\"__10 _d_9\"/>alutakurskomponent<span class=\"__10 _d_9\"/>en i \ufb01nansiella instrument som<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:124.48361px;\">anv\u00e4nds som s\u00e4kringsins<span class=\"__10 _d_9\"/>trument i en s\u00e4kring av nettoin<span class=\"__10 _471\"/>vest<span class=\"__10 _471\"/>e<span class=\"__10 _469\"> </span>-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:110.958405px;\">ring i ett koncern<span class=\"__10 _471\"/>f\u00f6r<span class=\"__10 _471\"/>etag redovisas, i den m\u00e5n s\u00e4kringen \u00e4r<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:97.43321px;\"><span class=\"__10 _469\">effek</span><span class=\"__10 _d_9\"/>tiv<span class=\"__10 _471\"/>, under \u00f6vrigt to<span class=\"__10 _471\"/>talresulta<span class=\"__10 _d_9\"/>t<span class=\"__10 _c_9\"/>. Detta f\u00f6r att neutr<span class=\"__10 _d_9\"/>alisera<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:83.90802px;\"><span class=\"__10 _469\">de omr\u00e4kningsdiff</span><span class=\"__10 _d_9\"/>erenser som p\u00e5verkar \u00f6<span class=\"__10 _d_9\"/>vrigt totalresulta<span class=\"__10 _471\"/>t<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:70.38281px;\">n\u00e4r koncern<span class=\"__10 _471\"/>f\u00f6r<span class=\"__10 _471\"/>etagen konsolideras, inkl<span class=\"__10 _471\"/>usive omv<span class=\"__10 _d_9\"/>\u00e4rderingen<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:56.85762px;\">av e<span class=\"__10 _471\"/>ventuella utvidgade nett<span class=\"__10 _471\"/>oinves<span class=\"__10 _d_9\"/>teringar<span class=\"__10 _471\"/>. E<span class=\"__10 _471\"/>ven<span class=\"__10 _471\"/><span class=\"__10 _469\">tuell ineffek</span><span class=\"__10 _d_9\"/>-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:43.332413px;\">tiv del av s\u00e4kringen r<span class=\"__10 _471\"/>edovisas i resul<span class=\"__10 _471\"/>tatr<span class=\"__10 _471\"/>\u00e4kningen under \u201dNet-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:29.80722px;\">toresult<span class=\"__10 _471\"/>at a<span class=\"__10 _d_9\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:333.50708px; bottom:16.282013px;\">Se \u00e4v<span class=\"__10 _d_9\"/>en not K1 \u201dRedovisningsprinciper<span class=\"__10 _c_9\"/>\u201d<span class=\"__10 _d_9\"/>, avsnitt<span class=\"__10 _471\"/>et \u201dOmr\u00e4k<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:2.7568207px;\">ning av tillg\u00e5ngar och sk<span class=\"__10 _d_9\"/>ulder i utl\u00e4ndsk valuta<span class=\"__10 _469\"> </span>\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span></div>det ursprungliga beloppet och beloppet p\u00e5 f\u00f6rfallodagen och,<span class=\"__10 _469\"> </span>f\u00f6r \ufb01nansiella tillg\u00e5ngar<span class=\"__10 _479\"/>, justerat f<span class=\"__10 _d_9\"/>\u00f6r eventuell f<span class=\"__10 _d_9\"/>\u00f6rlustreserv<span class=\"__10 _d_9\"/>. De<span class=\"__10 _c_9\"/> ackumulerade a<span class=\"__10 _d_9\"/>vskrivningarna ber\u00e4knas genom att till\u00e4mpa<span class=\"__10 _469\"> </span><span class=\"__10 _469\">effek</span><span class=\"__10 _d_9\"/>tivr\u00e4ntemetoden. F<span class=\"__10 _d_9\"/>\u00f6r ytterligare inf<span class=\"__10 _d_9\"/><span class=\"__10 _469\">ormation om effektivr</span><span class=\"__10 _d_9\"/>\u00e4n<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>temetoden, se not K2.2 \u201dR\u00e4n<span class=\"__10 _d_9\"/>tenetto\u201d<span class=\"__10 _d_9\"/>. Inf<span class=\"__10 _471\"/>ormation om nedskriv<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ningar enligt IFRS 9 \ufb01nns i not K3.<span class=\"__10 _471\"/>7 \u201dUtl\u00e5ning\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>R\u00e4nta p\u00e5 tillg\u00e5ngar och sk<span class=\"__10 _471\"/>ulder i kategorin v<span class=\"__10 _d_9\"/>\u00e4rderade till<span class=\"__10 _469\"> </span><span class=\"__10 _469\">upplupet anskaffningsv</span><span class=\"__10 _d_9\"/>\u00e4rde redovisas normalt i resul<span class=\"__10 _471\"/>tatr\u00e4k<span class=\"__10 _d_9\"/>-<span class=\"__10 _469\"> </span>ningen under \u201dR\u00e4ntein<span class=\"__10 _d_9\"/>t\u00e4kter<span class=\"__10 _c_9\"/>\u201d respektiv<span class=\"__10 _d_9\"/>e \u201dR\u00e4ntekostnader\u201d<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar och skulder v\u00e4r<span class=\"__10 _471\"/>derade<span class=\"__10 _469\"> </span>till verkligt v\u00e4r<span class=\"__10 _471\"/>de via resul<span class=\"__10 _471\"/>tatr<span class=\"__10 _471\"/>\u00e4kningen<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar och skulder v\u00e4r<span class=\"__10 _471\"/>derade till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde via<span class=\"__10 _c_9\"/> resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen v\u00e4rderas till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde exklusive tr<span class=\"__10 _471\"/>ansak<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>tionskostnader<span class=\"__10 _479\"/>. F\u00f6r\u00e4ndringar i verkligt v<span class=\"__10 _471\"/>\u00e4rde f<span class=\"__10 _471\"/>\u00f6r dessa poster<span class=\"__10 _469\"> </span>redovisas normalt dir<span class=\"__10 _d_9\"/>ekt i resultatr<span class=\"__10 _d_9\"/>\u00e4kningen under \u201dNettoresultat<span class=\"__10 _469\"> </span>av pos<span class=\"__10 _d_9\"/>ter till verkligt v\u00e4rde\u201d<span class=\"__10 _479\"/>. Emellertid redovisas justeringar till<span class=\"__10 _469\"> </span>verkligt v\u00e4r<span class=\"__10 _471\"/>de av mar<span class=\"__10 _471\"/>ginalkomponen<span class=\"__10 _471\"/>ten f\u00f6r l\u00e5ne<span class=\"__10 _471\"/>for<span class=\"__10 _471\"/>dringar i port<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>f\u00f6ljer d\u00e4r a<span class=\"__10 _d_9\"/>vsikten \u00e4r att beh\u00e5lla ins<span class=\"__10 _471\"/>trumenten till f<span class=\"__10 _d_9\"/>\u00f6rfall och som<span class=\"__10 _469\"> </span>obligatorisk<span class=\"__10 _d_9\"/>t v\u00e4rderas till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de (uppfyller inte SPPI-krite<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>riet) separat i r<span class=\"__10 _d_9\"/>esultatr\u00e4kningen under posten \u201dNett<span class=\"__10 _d_9\"/>oresultat a<span class=\"__10 _471\"/>v<span class=\"__10 _469\"> </span>utl\u00e5ning i portf\u00f6ljer som h\u00e5lls till f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>fall och obligat<span class=\"__10 _471\"/>oriskt v<span class=\"__10 _d_9\"/>\u00e4rdera<span class=\"__10 _469\"> </span>till verkligt v\u00e4r<span class=\"__10 _471\"/>de\u201d<span class=\"__10 _479\"/>. F\u00f6r mer inf<span class=\"__10 _d_9\"/>ormation, se not K2.4 \u201dSumma net<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>toresult<span class=\"__10 _471\"/>at a<span class=\"__10 _d_9\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__10 _479\"/>. F\u00f6r in<span class=\"__10 _d_9\"/>formation om ber\u00e4k<span class=\"__10 _d_9\"/><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ning av v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde, se not K3.4 \u201dV<span class=\"__10 _d_9\"/>erkligt v\u00e4rde\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>Den h\u00e4r kategorin har tv<span class=\"__10 _471\"/>\u00e5 underkategorier: \u201dObliga<span class=\"__10 _d_9\"/>toriskt v\u00e4r<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>derade till verkligt v<span class=\"__10 _471\"/>\u00e4rde via resul<span class=\"__10 _471\"/>tatr\u00e4kningen\u201d och \u201dF<span class=\"__10 _d_9\"/>r\u00e5n b\u00f6rjan<span class=\"__10 _469\"> </span>v\u00e4rder<span class=\"__10 _471\"/>ade till verkligt v\u00e4r<span class=\"__10 _471\"/>de via resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen (verkligt v\u00e4r<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>de-optionen)\u201d<span class=\"__10 _479\"/>. Underkategorin \u201dFr<span class=\"__10 _471\"/>\u00e5n b\u00f6rjan  <span class=\"__10 _2f_4\"/>v\u00e4rder<span class=\"__10 _471\"/>ade till verk<span class=\"__10 _471\"/><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ligt v\u00e4rde via r<span class=\"__10 _471\"/>esultatr<span class=\"__10 _d_9\"/>\u00e4kningen (verkligt v\u00e4rde-optionen)\u201d inne<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>b\u00e4r att \ufb01nansiella tillg\u00e5ngar och skulder kan v<span class=\"__10 _d_9\"/>\u00e4rderas till verkligt<span class=\"__10 _469\"> </span>v\u00e4rde sam<span class=\"__10 _d_9\"/>tidigt som skillnaderna i verkligt v\u00e4rde redovisas i<span class=\"__10 _469\"> </span>resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen. Det h\u00e4r alternativet kan an<span class=\"__10 _471\"/>v\u00e4ndas om det eli<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>minerar eller a<span class=\"__10 _d_9\"/>vsev\u00e4rt minskar en bristande \u00f6verenss<span class=\"__10 _d_9\"/>t\u00e4mmelse i<span class=\"__10 _469\"> </span>redovisningen och f<span class=\"__10 _d_9\"/>\u00f6r skulder om de f\u00f6rvaltas baser<span class=\"__10 _d_9\"/>at p\u00e5 verk<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ligt v\u00e4rde. F<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i kreditrisk h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6rliga till skulder som<span class=\"__10 _469\"> </span>redan fr<span class=\"__10 _471\"/>\u00e5n b\u00f6rjan v\u00e4rder<span class=\"__10 _471\"/>ats till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde via resultatr\u00e4k<span class=\"__10 _d_9\"/><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ningen redovisas under \u00f6vrigt t<span class=\"__10 _d_9\"/>otalresultat, s\u00e5vida dett<span class=\"__10 _471\"/>a inte f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>anleder bristande \u00f6v<span class=\"__10 _d_9\"/>erensst\u00e4mmelse i redovisningen.<span class=\"__10 _469\"> </span>R\u00e4ntein<span class=\"__10 _d_9\"/>t\u00e4kter och r\u00e4n<span class=\"__10 _d_9\"/>tekostnader h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6rliga till balanspos-<span class=\"__10 _469\"> </span>ter redovisade till v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde via resultatr<span class=\"__10 _d_9\"/>\u00e4kningen klassi\ufb01-<span class=\"__10 _469\"> </span>ceras normalt s<span class=\"__10 _471\"/>om \u201dNettoresult<span class=\"__10 _471\"/>at a<span class=\"__10 _d_9\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>F\u00f6r mer in<span class=\"__10 _d_9\"/>formation, se not K2.4 \u201dSumma nettor<span class=\"__10 _d_9\"/>esultat av pos-<span class=\"__10 _469\"> </span>ter till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de\u201d och not K2.2 \u201dR\u00e4ntenetto\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar v\u00e4rder<span class=\"__10 _471\"/>ade till verkligt v\u00e4r<span class=\"__10 _471\"/>de via \u00f6vrigt to<span class=\"__10 _471\"/>talresul<span class=\"__10 _471\"/>tat<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar v\u00e4rder<span class=\"__10 _471\"/>ade till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de via \u00f6vrigt<span class=\"__10 _469\"> </span>totalr<span class=\"__10 _471\"/>esultat v<span class=\"__10 _d_9\"/>\u00e4rderas till verkligt v\u00e4rde med till\u00e4gg f<span class=\"__10 _d_9\"/>\u00f6r transak<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>tionskostnader<span class=\"__10 _479\"/>. F\u00f6r\u00e4ndringar i verkligt v<span class=\"__10 _471\"/>\u00e4rde, med undan<span class=\"__10 _471\"/>tag f\u00f6r<span class=\"__10 _469\"> </span>r\u00e4n<span class=\"__10 _471\"/>tor<span class=\"__10 _d_9\"/><span class=\"__10 _469\">, valutakurseff</span><span class=\"__10 _d_9\"/>ekter och nedskrivningar<span class=\"__10 _d_9\"/>, redovisas mot<span class=\"__10 _469\"> </span>verkligt v\u00e4r<span class=\"__10 _471\"/>de-reserven under eget kapital via \u00f6<span class=\"__10 _471\"/>vrigt totalr<span class=\"__10 _471\"/>esul<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>tat. R\u00e4nta redo<span class=\"__10 _d_9\"/>visas i resultatr\u00e4kningen under \u201dR\u00e4n<span class=\"__10 _d_9\"/>teint\u00e4kter\u201d<span class=\"__10 _d_9\"/>,<span class=\"__10 _469\"> </span>valutak<span class=\"__10 _471\"/><span class=\"__10 _469\">urseffek</span><span class=\"__10 _d_9\"/>ter under \u201dNettoresultat a<span class=\"__10 _d_9\"/>v poster till verkligt<span class=\"__10 _469\"> </span>v\u00e4rde\u201d och nedskrivningar under \u201dKr<span class=\"__10 _471\"/>editf\u00f6rlus<span class=\"__10 _d_9\"/>ter<span class=\"__10 _471\"/>, netto\u201d<span class=\"__10 _479\"/>. I sam<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>band med avyttring a<span class=\"__10 _d_9\"/>v ett instrument omklassi\ufb01cer<span class=\"__10 _471\"/>as de acku<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>mulerade f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringarna i verkligt v\u00e4rde, som tidigare har r<span class=\"__10 _d_9\"/>edo<span class=\"__10 _c_9\"/><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>visats i verkligt  <span class=\"__10 _2f_4\"/>v<span class=\"__10 _471\"/>\u00e4rde-reserven under \u00f6<span class=\"__10 _471\"/>vrigt totalr<span class=\"__10 _471\"/>esulta<span class=\"__10 _471\"/>t, fr\u00e5n<span class=\"__10 _469\"> </span>eget kapital till result<span class=\"__10 _471\"/>atr\u00e4kningen under \u201dNett<span class=\"__10 _471\"/>oresulta<span class=\"__10 _d_9\"/>t av poster<span class=\"__10 _469\"> </span>till verkligt v\u00e4r<span class=\"__10 _471\"/>de\u201d<span class=\"__10 _479\"/>. Information om nedskrivningar enligt IFRS 9<span class=\"__10 _469\"> </span>\ufb01nns i not K3.<span class=\"__10 _471\"/>7 \u201dUtl\u00e5ning\u201d och inf<span class=\"__10 _d_9\"/>ormation om ber\u00e4kning av<span class=\"__10 _469\"> </span>verkligt v\u00e4r<span class=\"__10 _471\"/>de \ufb01nns i not K3.4 \u201dV<span class=\"__10 _d_9\"/>erkligt v\u00e4rde\u201d<span class=\"__10 _469\"> </span><span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>Sammansatta \ufb01nansiella instrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _469\"> </span>Sammansatta \ufb01nansiella instrumen<span class=\"__10 _d_9\"/>t \u00e4r avtal som omf<span class=\"__10 _d_9\"/>attar<span class=\"__10 _469\"> </span><span class=\"__10 _469\">ett v\u00e4rda</span><span class=\"__10 _d_9\"/>vtal och ett inb\u00e4ddat derivat. S\u00e5dana kombinationer<span class=\"__10 _469\"> </span>uppst\u00e5r huvudsakligen i samband med emissioner a<span class=\"__10 _d_9\"/>v strukture<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>rade skuldins<span class=\"__10 _d_9\"/>trument<span class=\"__10 _c_9\"/>, s\u00e5som emitterade inde<span class=\"__10 _d_9\"/>xobligationer och<span class=\"__10 _469\"> </span>l\u00e5nefor<span class=\"__10 _471\"/>dringar med inb\u00e4ddade r\u00e4n<span class=\"__10 _471\"/>tekorridorer och r<span class=\"__10 _d_9\"/>\u00e4ntetak.<span class=\"__10 _469\"> </span>F\u00f6r s<span class=\"__10 _471\"/>truktur<span class=\"__10 _471\"/>erade obligationer som har emitt<span class=\"__10 _d_9\"/>erats av Markets till\u00e4mpar Nordea<span class=\"ws0_10\"> verkligt v<span class=\"__10 _d_9\"/>\u00e4rde-optionen, och hela det samman<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></span>satta instrumen<span class=\"__10 _d_9\"/>tet<span class=\"__10 _c_9\"/>, v\u00e4rda<span class=\"__10 _d_9\"/>vtalet och det inb\u00e4ddade derivatet, v\u00e4r<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>deras till verkligt v<span class=\"__10 _471\"/>\u00e4rde via resul<span class=\"__10 _471\"/>tatr\u00e4kningen och r<span class=\"__10 _d_9\"/>edovisas under \u201dEmitterade v<span class=\"__10 _471\"/>\u00e4rdepapper<span class=\"__10 _c_9\"/>\u201d i balansr\u00e4kningen. F<span class=\"__10 _471\"/>\u00f6r\u00e4ndring<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ar i verkligt v\u00e4r<span class=\"__10 _471\"/>de redovisas i re<span class=\"__10 _471\"/>sultatr<span class=\"__10 _d_9\"/>\u00e4kningen under \u201dNettore<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>sultat a<span class=\"__10 _d_9\"/>v poster till verkligt v\u00e4r<span class=\"__10 _471\"/>de\u201d<span class=\"__10 _479\"/>, med undantag f\u00f6r f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndring<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ar i <span class=\"wsd_9\">Nordea</span>s egna kreditrisk som r<span class=\"__10 _471\"/>edovisas i \u00f6vrigt to<span class=\"__10 _d_9\"/>talresultat.<span class=\"__10 _469\"> </span>Emitterade skuld- och eget k<span class=\"__10 _471\"/>apital-instrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _469\"> </span>Ett \ufb01nansiellt instrumen<span class=\"__10 _d_9\"/>t emitterat av <span class=\"wse_9\">Nor<span class=\"__10 _d_9\"/>dea<span class=\"ws0_10\"> klassi\ufb01ceras </span></span>antingen som en \ufb01nansiell sk<span class=\"__10 _471\"/>uld eller som eget kapital. Emitte<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>rade \ufb01nansiella instrumen<span class=\"__10 _d_9\"/>t klassi\ufb01ceras som \ufb01nansiella skulder om avtalsf<span class=\"__10 _d_9\"/>\u00f6rh\u00e5llandena inneb\u00e4r att <span class=\"wse_9\">Nordea</span> har en be\ufb01ntlig f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>pliktels<span class=\"__10 _471\"/>e att antingen erl\u00e4gga k<span class=\"__10 _d_9\"/>ontanter eller annan \ufb01nansiell tillg\u00e5ng, eller ett variabelt an<span class=\"__10 _d_9\"/>tal eget kapital-instrument, till innehav<span class=\"__10 _d_9\"/>aren av instrumen<span class=\"__10 _d_9\"/>tet<span class=\"__10 _c_9\"/>. Om s\u00e5 inte \u00e4r f<span class=\"__10 _d_9\"/>allet \u00e4r instrumen<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>tet vanligtvis ett eget kapital<span class=\"__10 _d_9\"/>-instrument och klassi\ufb01ceras som eget kapital, med av<span class=\"__10 _471\"/>drag f<span class=\"__10 _d_9\"/>\u00f6r transaktionskostnader<span class=\"__10 _479\"/>. Om emit<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>terade \ufb01nansiella ins<span class=\"__10 _471\"/>trument inneh\u00e5ller b\u00e5de en sk<span class=\"__10 _471\"/>uld- och en eget kapital-del, redovisas dessa delar separ<span class=\"__10 _d_9\"/>at<span class=\"__10 _c_9\"/>.<span class=\"__10 _469\"> </span>K3.7 Utl\u00e5ning<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>L\u00e5n \u00e4r \ufb01nansiella instrumen<span class=\"__11 _617\"/>t med fas<span class=\"__11 _617\"/>ta eller f<span class=\"__11 _617\"/>astst\u00e4llbar<span class=\"__11 _617\"/>a<span class=\"__11 _624\"> </span> betalningar som int<span class=\"__11 _617\"/>e enkelt kan \u00f6<span class=\"__11 _617\"/>verf\u00f6r<span class=\"__11 _617\"/>as utan g\u00e4lden\u00e4rens<span class=\"__11 _624\"> </span> medgivande. L\u00e5n klassi\ufb01cer<span class=\"__11 _617\"/>as och v\u00e4rder<span class=\"__11 _617\"/>as i enlighet med<span class=\"__11 _624\"> </span> beskrivningen i not K3.3 \u201dKlassi\ufb01cering och v<span class=\"__11 _617\"/>\u00e4rdering\u201d<span class=\"__11 _625\"/>. Nedan<span class=\"__11 _624\"> </span> f\u00f6ljer Nor<span class=\"__11 _617\"/>deas redovisningsprinciper g\u00e4llande kreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span> Mer inf<span class=\"__11 _617\"/>ormation om kreditrisk i utl\u00e5ningen \ufb01nns i no<span class=\"__11 _617\"/>t K11<span class=\"__11 _624\"> </span> \u201dRisk- och likviditetshan<span class=\"__11 _617\"/>tering\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Finansiella instrument s<span class=\"__11 _617\"/>om klassi\ufb01cera<span class=\"__11 _617\"/>ts i kategorin \u201dUpp-<span class=\"__11 _624\"> </span><span class=\"__11 _624\">lupet anskaffningsv</span><span class=\"__11 _617\"/>\u00e4rde\u201d eller \u201dV<span class=\"__11 _625\"/>erkligt v\u00e4rde via \u00f6vrigt tot<span class=\"__11 _617\"/>al-<span class=\"__11 _624\"> </span>resulta<span class=\"__11 _617\"/>t\u201d omfattas a<span class=\"__11 _617\"/>v pr<span class=\"__11 _617\"/>\u00f6vning a<span class=\"__11 _617\"/>v nedskrivningsbehov till<span class=\"__11 _624\"> </span> f\u00f6ljd a<span class=\"__11 _617\"/>v kreditrisk. H\u00e4r ing\u00e5r tillg\u00e5ngar som i balansr<span class=\"__11 _617\"/>\u00e4kningen<span class=\"__11 _624\"> </span> redovisa<span class=\"__11 _617\"/>ts som \u201dUtl\u00e5ning till centr<span class=\"__11 _617\"/>albanker<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>, \u201dUtl\u00e5ning till kre-<span class=\"__11 _624\"> </span>ditinstitut\u201d<span class=\"__11 _625\"/>, \u201dUtl\u00e5ning till allm\u00e4nheten\u201d samt \u201dR\u00e4nteb\u00e4r<span class=\"__11 _617\"/>ande<span class=\"__11 _624\"> </span> v\u00e4rdepapper\u201d<span class=\"__11 _617\"/>. I utl\u00e5ning till allm\u00e4nheten ing\u00e5r \ufb01nansiell lea<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>sing, som ocks\u00e5 omf<span class=\"__11 _617\"/>attas a<span class=\"__11 _617\"/>v pr\u00f6<span class=\"__11 _617\"/>vning a<span class=\"__11 _617\"/>v nedskrivningsbehov<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span> Bland dessa balansposter \ufb01nns \u00e4<span class=\"__11 _617\"/>ven tillg\u00e5ngar s<span class=\"__11 _617\"/>om klassi\ufb01-<span class=\"__11 _624\"> </span>cera<span class=\"__11 _617\"/>ts i kategorin \u201dV<span class=\"__11 _625\"/>erkligt v\u00e4rde via resulta<span class=\"__11 _617\"/>tr\u00e4kningen\u201d och<span class=\"__11 _624\"> </span> som inte om<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>attas a<span class=\"__11 _617\"/>v n\u00e5gon pr\u00f6<span class=\"__11 _617\"/>vning av nedskrivningsbeho-<span class=\"__11 _624\"> </span>vet. Se \u00e4ven no<span class=\"__11 _617\"/>t K3.3 \u201dKlassi\ufb01cering och v\u00e4r<span class=\"__11 _617\"/>dering\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>\u00c4<span class=\"__11 _617\"/>ven \u00e5<span class=\"__11 _617\"/>taganden utan<span class=\"__11 _617\"/>f\u00f6r balansr<span class=\"__11 _617\"/>\u00e4kningen, even<span class=\"__11 _617\"/>tualf\u00f6rplik<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>telser och kredit\u00e5<span class=\"__11 _617\"/>taganden ska pr\u00f6<span class=\"__11 _617\"/>vas f<span class=\"__11 _617\"/>\u00f6r<span class=\"__11 _624\"> </span> nedskrivningsbehov<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Redovisning och pr<span class=\"__11 _617\"/>esent<span class=\"__11 _617\"/>ation<span class=\"__11 _624\"> </span>Tillg\u00e5ngar v\u00e4rder<span class=\"__11 _617\"/><span class=\"__11 _624\">ade till upplupet anskaff</span><span class=\"__11 _617\"/>ningsv\u00e4rde r<span class=\"__11 _617\"/>edovi-<span class=\"__11 _624\"> </span>sas brutto, med en separ<span class=\"__11 _617\"/>at reservering f<span class=\"__11 _617\"/>\u00f6r f<span class=\"__11 _617\"/>\u00f6rv\u00e4ntade kr<span class=\"__11 _617\"/>edit-<span class=\"__11 _624\"> </span>f\u00f6rlus<span class=\"__11 _617\"/>ter om f<span class=\"__11 _617\"/>\u00f6rlust<span class=\"__11 _617\"/>en inte betr<span class=\"__11 _617\"/>akt<span class=\"__11 _617\"/>as som de\ufb01nitiv<span class=\"__11 _625\"/>. Reserverna<span class=\"__11 _624\"> </span> kvittas mot utl\u00e5ningen i balansr\u00e4kningen, men pr<span class=\"__11 _617\"/>esen<span class=\"__11 _617\"/>teras<span class=\"__11 _624\"> </span> separat i denna no<span class=\"__11 _617\"/>t. F\u00f6r\u00e4ndringar a<span class=\"__11 _617\"/>v res<span class=\"__11 _617\"/>erveringar redovisas i<span class=\"__11 _624\"> </span> resulta<span class=\"__11 _617\"/>tr\u00e4kningen och klassi\ufb01cer<span class=\"__11 _617\"/>as som \u201dKreditf<span class=\"__11 _617\"/>\u00f6rlust<span class=\"__11 _617\"/>er<span class=\"__11 _625\"/>,<span class=\"__11 _624\"> </span> netto\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Om nedskrivningen anses var<span class=\"__11 _617\"/>a de\ufb01nitiv redovisas den som<span class=\"__11 _624\"> </span> en konsta<span class=\"__11 _617\"/>terad kr<span class=\"__11 _617\"/>editf\u00f6rlus<span class=\"__11 _617\"/>t, och det redovisade v\u00e4rdet p\u00e5<span class=\"__11 _624\"> </span> l\u00e5net j\u00e4mte tillh\u00f6r<span class=\"__11 _617\"/>ande reservering f<span class=\"__11 _617\"/>\u00f6r kreditf<span class=\"__11 _617\"/>\u00f6rlust<span class=\"__11 _617\"/>er tas bort<span class=\"__11 _624\"> </span> fr\u00e5n balansr<span class=\"__11 _617\"/>\u00e4kningen. En nedskrivning anses var<span class=\"__11 _617\"/>a de\ufb01nitiv<span class=\"__11 _624\"> </span> n\u00e4r konkursans\u00f6kan inges mo<span class=\"__11 _617\"/>t l\u00e5ntagar<span class=\"__11 _617\"/>en och konkursf<span class=\"__11 _617\"/>\u00f6rval-<span class=\"__11 _624\"> </span>taren har presen<span class=\"__11 _617\"/>ter<span class=\"__11 _617\"/>at den ekonomiska ut<span class=\"__11 _617\"/>g\u00e5ngen av k<span class=\"__11 _617\"/>onkurs-<span class=\"__11 _624\"> </span>f\u00f6rf<span class=\"__11 _617\"/>arandet, eller n\u00e4r Nordea eftersk\u00e4nker sina f<span class=\"__11 _617\"/>ordringar<span class=\"__11 _624\"> </span> genom rekonstruk<span class=\"__11 _617\"/>tion p\u00e5 an<span class=\"__11 _617\"/>tingen r\u00e4ttslig eller f<span class=\"__11 _617\"/>rivillig grund<span class=\"__11 _624\"> </span> eller n\u00e4r Nordea a<span class=\"__11 _617\"/>v andra sk\u00e4l bed\u00f6mer \u00e5<span class=\"__11 _617\"/>tervinning av f<span class=\"__11 _617\"/>or-<span class=\"__11 _624\"> </span>dran som osannolik. Se \u00e4<span class=\"__11 _617\"/>ven a<span class=\"__11 _617\"/>vsnittet \u201d<span class=\"__11 _625\"/>A<span class=\"__11 _625\"/>vskrivningar<span class=\"__11 _626\"/>\u201d nedan.<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vs\u00e4ttningar f<span class=\"__11 _617\"/>\u00f6r pos<span class=\"__11 _617\"/>ter utanf<span class=\"__11 _617\"/>\u00f6r balansr<span class=\"__11 _617\"/>\u00e4kningen klassi\ufb01ce-<span class=\"__11 _624\"> </span>ras som \u201d<span class=\"__11 _625\"/>A<span class=\"__11 _625\"/>vs\u00e4ttningar<span class=\"__11 _626\"/>\u201d i balansr\u00e4kningen, med f\u00f6r<span class=\"__11 _617\"/>\u00e4ndringar i<span class=\"__11 _624\"> </span> avs\u00e4<span class=\"__11 _617\"/>ttningar klassi\ufb01cerade som \u201dKr<span class=\"__11 _617\"/>editf\u00f6rl<span class=\"__11 _617\"/>uster<span class=\"__11 _625\"/>, netto\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Tillg\u00e5ngar klassi\ufb01cerade som \u201dV<span class=\"__11 _625\"/>erkligt v\u00e4rde via \u00f6vrigt<span class=\"__11 _624\"> </span> totalr<span class=\"__11 _617\"/>esultat\u201d redovisas till verkligt v<span class=\"__11 _617\"/>\u00e4rde i balansr<span class=\"__11 _617\"/>\u00e4kningen.<span class=\"__11 _624\"> </span> Nedskrivningar ber\u00e4knade i enlighet med IFRS 9 redo<span class=\"__11 _617\"/>visas i<span class=\"__11 _624\"> </span> resulta<span class=\"__11 _617\"/>tr\u00e4kningen och klassi\ufb01cer<span class=\"__11 _617\"/>as som \u201dKreditf<span class=\"__11 _617\"/>\u00f6rlust<span class=\"__11 _617\"/>er<span class=\"__11 _625\"/>,<span class=\"__11 _624\"> </span> netto\u201d<span class=\"__11 _625\"/>. Ev<span class=\"__11 _617\"/>entuella jus<span class=\"__11 _617\"/>teringar till verkligt v<span class=\"__11 _617\"/>\u00e4rde redo<span class=\"__11 _617\"/>visas i<span class=\"__11 _624\"> </span> \u201d\u00d6vrigt totalr<span class=\"__11 _617\"/>esultat\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span> Pr\u00f6vning a<span class=\"__11 _617\"/>v nedskrivningsbehov<span class=\"__11 _624\"> </span> Nordea klassi\ufb01cerar alla l\u00e5ne<span class=\"__11 _617\"/>for<span class=\"__11 _617\"/>dringar i olika kategorier p\u00e5<span class=\"__11 _624\"> </span> individuell basis. Kat<span class=\"__11 _617\"/>egori 1 inkluderar tillg\u00e5ngar utan bety-<span class=\"__11 _624\"> </span>dande \u00f6kning av kr<span class=\"__11 _617\"/>editrisken sedan f<span class=\"__11 _617\"/>\u00f6rsta redo<span class=\"__11 _617\"/>visningstillf<span class=\"__11 _617\"/>\u00e4l-<span class=\"__11 _624\"> </span>let, kategori 2 inkluderar tillg\u00e5ngar med bety<span class=\"__11 _617\"/>dande \u00f6kning av<span class=\"__11 _624\"> </span> kreditrisken och ka<span class=\"__11 _617\"/>tegori 3 (os\u00e4kr<span class=\"__11 _617\"/>a l\u00e5nefor<span class=\"__11 _617\"/>dringar) inkluderar<span class=\"__11 _624\"> </span> faller<span class=\"__11 _617\"/>ade tillg\u00e5ngar<span class=\"__11 _625\"/>. Nordea f\u00f6ljer upp om det \ufb01nns indikatio-<span class=\"__11 _624\"> </span>ner p\u00e5 kreditf<span class=\"__11 _617\"/>\u00f6rs\u00e4mring (kategori 3) genom att iden<span class=\"__11 _617\"/>ti\ufb01era<span class=\"__11 _624\"> </span> h\u00e4ndelser med negativ inv<span class=\"__11 _617\"/>erkan p\u00e5 ber\u00e4knade f<span class=\"__11 _617\"/>ramtida k<span class=\"__11 _617\"/>as-<span class=\"__11 _624\"> </span>safl\u00f6den (f<span class=\"__11 _617\"/>\u00f6rlusth\u00e4ndelse<span class=\"__11 _617\"/>). Nordea till\u00e4mpar samma de\ufb01ni-<span class=\"__11 _624\"> </span>tion p\u00e5 fallissemang som i k<span class=\"__11 _617\"/>apitalt\u00e4ckningsf<span class=\"__11 _617\"/>\u00f6rordningen. Mer<span class=\"__11 _624\"> </span> inf<span class=\"__11 _617\"/>ormation om iden<span class=\"__11 _617\"/>ti\ufb01ering a<span class=\"__11 _617\"/>v f\u00f6rlus<span class=\"__11 _617\"/>th\u00e4ndelser \ufb01nns i not<span class=\"__11 _624\"> </span> K11 \u201dRisk- och likviditetshan<span class=\"__11 _617\"/>tering\u201d<span class=\"__11 _625\"/>. L\u00e5nef<span class=\"__11 _617\"/>ordringar som in<span class=\"__11 _617\"/>te<span class=\"__11 _624\"> </span> har individuellt ber\u00e4knade re<span class=\"__11 _617\"/>server ing\u00e5r i pr\u00f6vningen a<span class=\"__11 _617\"/>v<span class=\"__11 _624\"> </span> nedskrivningsbehovet baser<span class=\"__11 _617\"/>at p\u00e5 st<span class=\"__11 _617\"/>atistiska modeller<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>F\u00f6r l\u00e5nef<span class=\"__11 _617\"/>ordringar med bety<span class=\"__11 _617\"/>dande v\u00e4rde d\u00e4r en kr<span class=\"__11 _617\"/>edith\u00e4n<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>delse har identi\ufb01er<span class=\"__11 _617\"/>ats, pr\u00f6<span class=\"__11 _617\"/>vas nedskrivningsbehov<span class=\"__11 _617\"/>et p\u00e5 indivi<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>duell basis. Om l\u00e5nefor<span class=\"__11 _617\"/>dringen bed\u00f6ms vara os\u00e4k<span class=\"__11 _617\"/>er g\u00f6rs en<span class=\"__11 _624\"> </span> individuell reservering. Det redo<span class=\"__11 _617\"/>visade v\u00e4rdet p\u00e5 l\u00e5nef<span class=\"__11 _617\"/>ordring<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>en j\u00e4mf<span class=\"__11 _617\"/>\u00f6rs med den nuv\u00e4rdesber<span class=\"__11 _617\"/>\u00e4knade summan av f<span class=\"__11 _617\"/>\u00f6rv\u00e4n<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>tade fram<span class=\"__11 _617\"/>tida kassafl\u00f6den. Om det r<span class=\"__11 _617\"/>edovisade v\u00e4r<span class=\"__11 _617\"/>det \u00e4r h\u00f6gre<span class=\"__11 _624\"> </span> redovisas skillnaden som en nedskrivningsf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>t. De f\u00f6rv\u00e4n<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>tade kassafl\u00f6dena diskon<span class=\"__11 _617\"/>ter<span class=\"__11 _617\"/><span class=\"__11 _624\">as med den ursprungliga effek</span><span class=\"__11 _617\"/>tiva<span class=\"__11 _624\"> </span> r\u00e4n<span class=\"__11 _617\"/>tan och innefa<span class=\"__11 _617\"/>ttar verkligt v<span class=\"__11 _617\"/>\u00e4rde f<span class=\"__11 _617\"/>\u00f6r s\u00e4kerheter och andra<span class=\"__11 _624\"> </span> kreditf<span class=\"__11 _617\"/>\u00f6rst\u00e4rkningar<span class=\"__11 _625\"/>. Nuv\u00e4rdesber\u00e4kningen baser<span class=\"__11 _617\"/>as p\u00e5 tre<span class=\"__11 _624\"> </span> olika fram\u00e5<span class=\"__11 _617\"/>tblickande scenarier som \u00e4r sannolikhetsvik<span class=\"__11 _617\"/>tade.<span class=\"__11 _624\"> </span>F\u00f6r l\u00e5nef<span class=\"__11 _617\"/>ordringar som in<span class=\"__11 _617\"/>te \u00e4r bety<span class=\"__11 _617\"/>dande d\u00e4r ett individu-<span class=\"__11 _624\"> </span>ellt nedskrivningsbehov har iden<span class=\"__11 _617\"/>ti\ufb01erats, ber<span class=\"__11 _617\"/>\u00e4knas nedskriv-<span class=\"__11 _624\"> </span>ningsbeloppet utifr\u00e5n den modell som be<span class=\"__11 _617\"/>skrivs nedan, men<span class=\"__11 _624\"> </span> med h\u00e4nsyn till att l\u00e5nef<span class=\"__11 _617\"/>ordringarna redan \u00e4r f<span class=\"__11 _617\"/>allerade.<span class=\"__11 _624\"> </span>Nordea anv<span class=\"__11 _617\"/>\u00e4nder sig inte a<span class=\"__11 _617\"/>v undan<span class=\"__11 _617\"/>taget \u201dl\u00e5g kreditrisk\u201d i<span class=\"__11 _624\"> </span> bankverksamheten, men d\u00e4remo<span class=\"__11 _617\"/>t f\u00f6r en mindr<span class=\"__11 _617\"/>e portf\u00f6lj a<span class=\"__11 _617\"/>v<span class=\"__11 _624\"> </span> r\u00e4n<span class=\"__11 _617\"/>teb\u00e4rande v<span class=\"__11 _617\"/>\u00e4rdepapper i f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsr\u00f6relsen.<span class=\"__11 _624\"> </span> Pr\u00f6vning a<span class=\"__11 _617\"/>v nedskrivningsbehov f<span class=\"__11 _625\"/>\u00f6r l\u00e5n<span class=\"__11 _624\"> </span> v\u00e4rder<span class=\"__11 _617\"/>ade enligt statis<span class=\"__11 _617\"/>tiska modeller<span class=\"__11 _624\"> </span>F\u00f6r l\u00e5nef<span class=\"__11 _617\"/>ordringar d\u00e4r inget nedskrivningsbeho<span class=\"__11 _617\"/>v identi\ufb01er<span class=\"__11 _617\"/>a-<span class=\"__11 _624\"> </span>des i den individuella pr\u00f6vningen an<span class=\"__11 _617\"/>v\u00e4nds en kollek<span class=\"__11 _617\"/>tiv modell<span class=\"__11 _624\"> </span> f\u00f6r ber<span class=\"__11 _617\"/>\u00e4kning av nedskrivningsbeho<span class=\"__11 _617\"/>v<span class=\"__11 _625\"/>. Reserveringarna ber\u00e4k-<span class=\"__11 _624\"> </span>nas som l\u00e5nefor<span class=\"__11 _617\"/>dring vid falliss<span class=\"__11 _617\"/>emang g\u00e5nger sannolikheten<span class=\"__11 _624\"> </span> f\u00f6r f<span class=\"__11 _617\"/>allissemang g\u00e5nger f<span class=\"__11 _617\"/>\u00f6rlust<span class=\"__11 _617\"/>en i h\u00e4ndelse av f<span class=\"__11 _617\"/>allissemang.<span class=\"__11 _624\"> </span> F\u00f6r tillg\u00e5ngar i ka<span class=\"__11 _617\"/>tegori 1 baser<span class=\"__11 _617\"/>as ber\u00e4kningen endast p\u00e5 de<span class=\"__11 _624\"> </span> kommande 12 m\u00e5naderna, medan den f<span class=\"__11 _617\"/>\u00f6r tillg\u00e5ngar i kate-<span class=\"__11 _624\"> </span>gori 2 och 3 baseras p\u00e5 tillg\u00e5ngens f<span class=\"__11 _617\"/>\u00f6rv\u00e4ntade l\u00f6p<span class=\"__11 _617\"/>tid.<span class=\"__11 _624\"> </span>Reserveringar f<span class=\"__11 _617\"/>\u00f6r l\u00e5nef<span class=\"__11 _617\"/>ordringar d\u00e4r det int<span class=\"__11 _617\"/>e skett n\u00e5gon<span class=\"__11 _624\"> </span> betydande \u00f6kning a<span class=\"__11 _617\"/>v kreditrisken sedan f<span class=\"__11 _617\"/>\u00f6rsta r<span class=\"__11 _617\"/>edovisnings-<span class=\"__11 _624\"> </span>tillf\u00e4llet baser<span class=\"__11 _617\"/>as p\u00e5 f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tade kreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter under kom-<span class=\"__11 _624\"> </span>mande 12 m\u00e5nader (kategori 1). R<span class=\"__11 _617\"/>eserveringar f\u00f6r l\u00e5ne<span class=\"__11 _617\"/>for<span class=\"__11 _617\"/>d-<span class=\"__11 _624\"> </span>ringar d\u00e4r det har skett en betydande \u00f6kning a<span class=\"__11 _617\"/>v kreditrisk<span class=\"__11 _617\"/>en<span class=\"__11 _624\"> </span> sedan f\u00f6rst<span class=\"__11 _617\"/>a redovisnings<span class=\"__11 _617\"/>tillf\u00e4llet, men d\u00e4r ingen nedskriv-<span class=\"__11 _624\"> </span>ning har gjorts, baseras p\u00e5 f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tade kreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter under<span class=\"__11 _624\"> </span> hela den \u00e5terst\u00e5ende l\u00f6p<span class=\"__11 _617\"/>tiden (kategori 2). Dett<span class=\"__11 _617\"/>a g\u00e4ller \u00e4v<span class=\"__11 _617\"/>en<span class=\"__11 _624\"> </span> f\u00f6r os\u00e4kr<span class=\"__11 _617\"/>a for<span class=\"__11 _617\"/>dringar som int<span class=\"__11 _617\"/>e \u00e4r betydande i kat<span class=\"__11 _617\"/>egori 3.<span class=\"__11 _624\"> </span>Nordea<span class=\"ws3_10\"> anv<span class=\"__11 _617\"/>\u00e4nder tv\u00e5 olika modeller f<span class=\"__11 _617\"/>\u00f6r att f<span class=\"__11 _617\"/>asts<span class=\"__11 _617\"/>t\u00e4lla om det<span class=\"__11 _624\"> </span></span><span class=\"ws3_10\"> </span>har skett en betydande \u00f6kning a<span class=\"__11 _617\"/>v kreditrisken ell<span class=\"__11 _617\"/>er inte. F<span class=\"__11 _617\"/>\u00f6r<span class=\"__11 _624\"> </span> tillg\u00e5ngar som innehades vid \u00f6ver<span class=\"__11 _617\"/>g\u00e5ngen till IFRS 9 den<span class=\"__11 _624\"> </span> <span class=\"__11 _624\">1 januari 2018 anv\u00e4nds f</span><span class=\"__11 _617\"/>\u00f6r\u00e4ndringen i in<span class=\"__11 _617\"/>terna r<span class=\"__11 _617\"/>ating- och sco<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ringuppgifter f\u00f6r a<span class=\"__11 _617\"/>tt fas<span class=\"__11 _617\"/>tst\u00e4lla om det sk<span class=\"__11 _617\"/>ett en betydande<span class=\"__11 _624\"> </span> \u00f6kning av kr<span class=\"__11 _617\"/>editrisken eller in<span class=\"__11 _617\"/>te. Int<span class=\"__11 _617\"/>erna rating-/<span class=\"__11 _617\"/>scoringuppgif<span class=\"__11 _617\"/><span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ter anv\u00e4nds f<span class=\"__11 _617\"/>\u00f6r a<span class=\"__11 _617\"/>tt bed\u00f6ma risken hos kunderna, och en f<span class=\"__11 _617\"/>\u00f6r<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>s\u00e4mrad ra<span class=\"__11 _617\"/>ting/s<span class=\"__11 _617\"/>coring f\u00f6r en k<span class=\"__11 _617\"/>und tyder p\u00e5 a<span class=\"__11 _617\"/>tt kreditrisken har<span class=\"__11 _624\"> </span> \u00f6kat. Nordea<span class=\"ws3_10\"> har dragit slutsa<span class=\"__11 _617\"/>tsen att det in<span class=\"__11 _617\"/>te \u00e4r m\u00f6jligt att vid<span class=\"__11 _624\"> </span></span><span class=\"ws3_10\"> </span>kreditgivningen ber\u00e4kna sannolikhet<span class=\"__11 _617\"/>en f\u00f6r f<span class=\"__11 _617\"/>allissemang (PD<span class=\"__11 _617\"/>)<span class=\"__11 _624\"> </span> f\u00f6r den \u00e5<span class=\"__11 _617\"/>terst\u00e5ende l\u00f6ptiden ut<span class=\"__11 _617\"/>an bed\u00f6mningar i efterhand a<span class=\"__11 _617\"/>v<span class=\"__11 _624\"> </span> tillg\u00e5ngar som redan redo<span class=\"__11 _617\"/>visas i balansr\u00e4kningen vid \u00f6v<span class=\"__11 _617\"/>er<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>g\u00e5ngen. F\u00f6r<span class=\"__11 _617\"/>\u00e4ndringar i PD f\u00f6r den \u00e5<span class=\"__11 _617\"/>terst\u00e5ende l\u00f6p<span class=\"__11 _617\"/>tiden<span class=\"__11 _624\"> </span> anv\u00e4nds som utl\u00f6sande f<span class=\"__11 _617\"/>ak<span class=\"__11 _617\"/>tor f<span class=\"__11 _617\"/>\u00f6r tillg\u00e5ngar redovisade eft<span class=\"__11 _617\"/>er<span class=\"__11 _624\"> </span> \u00f6verg\u00e5ngen<span class=\"__11 _624\"> </span>.<span class=\"__11 _624\"> </span>F\u00f6r tillg\u00e5ngar som bed\u00f6ms utif<span class=\"__11 _617\"/>r\u00e5n PD f<span class=\"__11 _617\"/>\u00f6r den \u00e5ters<span class=\"__11 _617\"/>t\u00e5ende<span class=\"__11 _624\"> </span> l\u00f6ptiden anv<span class=\"__11 _617\"/>\u00e4nder Nordea en blandning a<span class=\"__11 _617\"/>v absoluta och r<span class=\"__11 _617\"/>ela-<span class=\"__11 _624\"> </span>tiva f<span class=\"__11 _617\"/>\u00f6r\u00e4ndringar i PD som kriterium f<span class=\"__11 _617\"/>\u00f6r \u00f6v<span class=\"__11 _617\"/>erf\u00f6ringen.<span class=\"__11 _624\"> </span> \u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">Retail-k<span class=\"__11 _617\"/>under med ett ursprungligt tolvm\u00e5naders PD under<span class=\"__11 _624\"> </span></span><span class=\"ws6_10\"> </span>1 procen<span class=\"__11 _617\"/>t: L\u00e5nefordringar med en r<span class=\"__11 _617\"/>elativ \u00f6kning i PD f<span class=\"__11 _617\"/>\u00f6r den<span class=\"__11 _624\"> </span> \u00e5terst\u00e5ende l\u00f6p<span class=\"__11 _617\"/>tiden p\u00e5 \u00f6ver 100 pr<span class=\"__11 _617\"/>ocen<span class=\"__11 _617\"/>t och en absolut<span class=\"__11 _624\"> </span> \u00f6kning av t<span class=\"__11 _617\"/>olvm\u00e5naders PD p\u00e5 \u00f6ver 45 punk<span class=\"__11 _617\"/>ter \u00f6<span class=\"__11 _617\"/>verf\u00f6rs till<span class=\"__11 _624\"> </span> kategori 2.<span class=\"__11 _624\"> </span> \u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">Retail-k<span class=\"__11 _617\"/>under med ett ursprungligt tolvm\u00e5naders PD \u00f6v<span class=\"__11 _617\"/>er<span class=\"__11 _624\"> </span></span><span class=\"ws6_10\"> </span>eller lika med 1 procen<span class=\"__11 _617\"/>t: L\u00e5nefor<span class=\"__11 _617\"/>dringar med en relativ<span class=\"__11 _624\"> </span> \u00f6kning i PD f\u00f6r den \u00e5<span class=\"__11 _617\"/>terst\u00e5ende l\u00f6ptiden p\u00e5 \u00f6<span class=\"__11 _617\"/>ver 100 pro<span class=\"ws3_10\">-<span class=\"__11 _624\"> </span></span>cent eller en abs<span class=\"__11 _617\"/>olut \u00f6kning a<span class=\"__11 _617\"/>v tolvm\u00e5naders PD p\u00e5 \u00f6v<span class=\"__11 _617\"/>er<span class=\"__11 _624\"> </span> 300 punkter \u00f6<span class=\"__11 _617\"/>verf\u00f6rs till ka<span class=\"__11 _617\"/>tegori 2.<span class=\"__11 _624\"> </span> \u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">F\u00f6r<span class=\"__11 _617\"/>etags- och institutionella kunder med ett ursprungligt<span class=\"__11 _624\"> </span></span><span class=\"ws6_10\"> </span>tolvm\u00e5naders PD under 0,5 procen<span class=\"__11 _617\"/>t: L\u00e5nef<span class=\"__11 _617\"/>ordringar med en<span class=\"__11 _624\"> </span> relativ \u00f6kning i PD f<span class=\"__11 _617\"/>\u00f6r den \u00e5ters<span class=\"__11 _617\"/>t\u00e5ende l\u00f6ptiden p\u00e5 \u00f6v<span class=\"__11 _617\"/>er<span class=\"__11 _624\"> </span> <span class=\"__11 _624\">150 </span><span class=\"__11 _617\"/>proc<span class=\"__11 _617\"/>ent och en absol<span class=\"__11 _617\"/>ut \u00f6kning av t<span class=\"__11 _617\"/>olvm\u00e5naders PD p\u00e5<span class=\"__11 _624\"> </span> \u00f6ver 20 punk<span class=\"__11 _617\"/>ter \u00f6v<span class=\"__11 _617\"/>erf\u00f6rs till kat<span class=\"__11 _617\"/>egori 2.<span class=\"__11 _624\"> </span> \u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">F\u00f6retags- och ins<span class=\"__11 _617\"/>titutionella kunder med ett ursprungligt<span class=\"__11 _624\"> </span></span><span class=\"ws6_10\"> </span>tolvm\u00e5naders PD p\u00e5 \u00f6v<span class=\"__11 _617\"/>er eller lika med 0,5 procen<span class=\"__11 _617\"/>t: L\u00e5nefor<span class=\"ls1_11 ws3_10\">-<span class=\"__11 _624\"> </span></span>dringar med en relativ \u00f6kning i PD f<span class=\"__11 _617\"/>\u00f6r den \u00e5t<span class=\"__11 _617\"/>erst\u00e5ende l\u00f6p<span class=\"ls1_11 ws3_10\">-<span class=\"__11 _624\"> </span></span>tiden p\u00e5 \u00f6ver 150 proc<span class=\"__11 _617\"/>ent eller en absol<span class=\"__11 _617\"/>ut \u00f6kning av<span class=\"__11 _624\"> </span> tolvm\u00e5naders PD p\u00e5 \u00f6v<span class=\"__11 _617\"/>er 400 punkter \u00f6<span class=\"__11 _617\"/>verf<span class=\"__11 _617\"/>\u00f6rs till kategori 2.<span class=\"__11 _624\"> </span>F\u00f6r tillg\u00e5ngar d\u00e4r r<span class=\"__11 _617\"/>ating- och scoringmodeller an<span class=\"__11 _617\"/>v\u00e4nds, kali-<span class=\"__11 _624\"> </span>breras r<span class=\"__11 _617\"/>ating-/<span class=\"__11 _617\"/>scoringf<span class=\"__11 _617\"/>\u00f6r\u00e4ndringen f<span class=\"__11 _617\"/>\u00f6r att ma<span class=\"__11 _617\"/>tcha den bety-<span class=\"__11 _624\"> </span>dande \u00f6kningen av kr<span class=\"__11 _617\"/>editrisken utifr<span class=\"__11 _617\"/>\u00e5n PD f\u00f6r den \u00e5<span class=\"__11 _617\"/>terst\u00e5<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>ende l\u00f6ptiden. Dessutom \u00f6<span class=\"__11 _617\"/>verf\u00f6rs kunder s<span class=\"__11 _617\"/>om omf<span class=\"__11 _617\"/>attas a<span class=\"__11 _617\"/>v<span class=\"__11 _624\"> </span> f\u00f6rmildr<span class=\"__11 _617\"/>ande kreditvillkor och k<span class=\"__11 _617\"/>under som \u00e4r mer \u00e4n 30 dagar<span class=\"__11 _624\"> </span> sena med sina betalningar till kategori 2, s\u00e5<span class=\"__11 _625\"/>vida inte ett ned-<span class=\"__11 _624\"> </span>skrivningsbehov redan har iden<span class=\"__11 _617\"/>ti\ufb01era<span class=\"__11 _617\"/>ts (kategori 3). L\u00e5ne-<span class=\"__11 _624\"> </span>for<span class=\"__11 _617\"/>dringar som omf<span class=\"__11 _617\"/>attas a<span class=\"__11 _617\"/>v f<span class=\"__11 _617\"/>\u00f6rmildrande kr<span class=\"__11 _617\"/>editvillkor kvar-<span class=\"__11 _624\"> </span>st\u00e5r i kat<span class=\"__11 _617\"/>egori 2 under en pr\u00f6v<span class=\"__11 _617\"/>otid p\u00e5 2<span class=\"__11 _617\"/>4 m\u00e5nader<span class=\"__11 _625\"/>, fr\u00e5n och<span class=\"__11 _624\"> </span> med den tidpunkt d\u00e5 \u00e5<span class=\"__11 _617\"/>tg\u00e4rderna in<span class=\"__11 _617\"/>f\u00f6r<span class=\"__11 _617\"/>des. N\u00e4r l\u00e5nefor<span class=\"__11 _617\"/>dring-<span class=\"__11 _624\"> </span>arna efter pr\u00f6v<span class=\"__11 _617\"/>otidens slut \u00e5<span class=\"__11 _617\"/>terf\u00f6rs till ka<span class=\"__11 _617\"/>tegori 1 hant<span class=\"__11 _617\"/>eras de<span class=\"__11 _624\"> </span> p\u00e5 samma s\u00e4tt som andra l\u00e5nef<span class=\"__11 _617\"/>or<span class=\"__11 _617\"/>dringar i kategori 1 i f<span class=\"__11 _617\"/>r\u00e5ga<span class=\"__11 _624\"> </span> om bed\u00f6mningen av om det f<span class=\"__11 _617\"/>\u00f6religger en v<span class=\"__11 _617\"/>\u00e4sentlig \u00f6kning a<span class=\"__11 _625\"/>v<span class=\"__11 _624\"> </span> kreditrisken. L\u00e5nef<span class=\"__11 _617\"/>ordringar d\u00e4r k<span class=\"__11 _617\"/>underna \u00e4r mer \u00e4n 90 dagar<span class=\"__11 _624\"> </span> sena med sina betalningar klassi\ufb01ceras normal<span class=\"__11 _617\"/>t i kategori 3,<span class=\"__11 _624\"> </span> men denna klassi\ufb01cering \u00e4ndras om det \ufb01nns bevis f<span class=\"__11 _617\"/>\u00f6r att<span class=\"__11 _624\"> </span> kunden int<span class=\"__11 _617\"/>e har faller<span class=\"__11 _617\"/>at. S\u00e5dana l\u00e5nefor<span class=\"__11 _617\"/>dringar klassi\ufb01ceras i<span class=\"__11 _624\"> </span> kategori 2. L\u00e5ne<span class=\"__11 _617\"/>for<span class=\"__11 _617\"/>dringar med \u201dh\u00f6g risk\u201d<span class=\"__11 _625\"/>, det vill s\u00e4ga med<span class=\"__11 _624\"> </span> en rating p\u00e5 2 eller l\u00e4gr<span class=\"__11 _617\"/>e, \u00f6verf<span class=\"__11 _617\"/>\u00f6rs ocks\u00e5 till kategori 2.  Vid ber\u00e4kningen a<span class=\"__11 _617\"/>v reserveringar<span class=\"__11 _625\"/>, inklusive kategoriindel<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>ningen, anv\u00e4nds b\u00e5de his<span class=\"__11 _617\"/>torisk inf<span class=\"__11 _617\"/>ormation och sannolikhets-<span class=\"__11 _624\"> </span>viktad, f<span class=\"__11 _617\"/>ram\u00e5tblickande in<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>ormation. Nordea an<span class=\"__11 _617\"/>v\u00e4nder tre<span class=\"__11 _624\"> </span> makroekonomiska sc<span class=\"__11 _617\"/>enarier f\u00f6r a<span class=\"__11 _617\"/>tt ta h\u00e4nsyn till de icke-linj\u00e4-<span class=\"__11 _624\"> </span>ra aspek<span class=\"__11 _617\"/>terna a<span class=\"__11 _617\"/>v f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tade kreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter<span class=\"__11 _625\"/>. De olika scenari-<span class=\"__11 _624\"> </span>erna anv\u00e4nds f<span class=\"__11 _617\"/>\u00f6r att jus<span class=\"__11 _617\"/>tera de ak<span class=\"__11 _617\"/>tuella parametr<span class=\"__11 _617\"/>arna f\u00f6r<span class=\"__11 _624\"> </span> ber\u00e4kning a<span class=\"__11 _617\"/>v f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tade kreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter<span class=\"__11 _625\"/>, och ett sannolikhets-<span class=\"__11 _624\"> </span>vikta<span class=\"__11 _617\"/>t genomsnitt av de f<span class=\"__11 _617\"/>\u00f6rv\u00e4n<span class=\"__11 _617\"/>tade f<span class=\"__11 _617\"/>\u00f6rlusterna enligt r<span class=\"__11 _617\"/>espek-<span class=\"__11 _624\"> </span>tive scenario r<span class=\"__11 _617\"/>edovisas som res<span class=\"__11 _617\"/>erveringar<span class=\"__11 _617\"/>. Modellen anv<span class=\"__11 _617\"/>\u00e4nder<span class=\"__11 _624\"> </span> sig av da<span class=\"__11 _617\"/>ta som samlats in f<span class=\"__11 _617\"/>\u00f6re balansdagen, vilk<span class=\"__11 _617\"/>et inneb\u00e4r<span class=\"__11 _624\"> </span> att Nordea m\u00e5s<span class=\"__11 _617\"/>te identi\ufb01er<span class=\"__11 _617\"/>a h\u00e4ndelser som skulle k<span class=\"__11 _617\"/>unna<span class=\"__11 _624\"> </span> p\u00e5v<span class=\"__11 _617\"/>erka reserveringarna efter da<span class=\"__11 _617\"/>tainsamlingen. Ledningen<span class=\"__11 _624\"> </span> utv\u00e4rder<span class=\"__11 _617\"/>ar dessa h\u00e4ndelser och juster<span class=\"__11 _617\"/>ar reserveringarna, om<span class=\"__11 _624\"> </span> detta bed\u00f6ms n\u00f6dv\u00e4ndigt.<span class=\"__11 _624\"> </span>Bortskrivningar<span class=\"__11 _624\"> </span>Bortskrivningar inneb\u00e4r att l\u00e5n eller kundf<span class=\"__11 _617\"/>ordringar a<span class=\"__11 _617\"/>vf\u00f6rs<span class=\"__11 _624\"> </span> fr\u00e5n balansr<span class=\"__11 _617\"/>\u00e4kningen samtidigt som mo<span class=\"__11 _617\"/>tsvar<span class=\"__11 _617\"/>ande kreditf<span class=\"__11 _617\"/>\u00f6r-<span class=\"__11 _624\"> </span>lustres<span class=\"__11 _617\"/>ervering realiseras. N\u00e4r f<span class=\"__11 _617\"/>ordringar bed\u00f6ms v<span class=\"__11 _617\"/>ara om\u00f6j-<span class=\"__11 _624\"> </span>liga att driva in ska de snar<span class=\"__11 _617\"/>ast m\u00f6jligt bortskrivas, oa<span class=\"__11 _617\"/>vsett om<span class=\"__11 _624\"> </span> det r\u00e4ttsliga anspr<span class=\"__11 _617\"/>\u00e5ket kvarst<span class=\"__11 _617\"/>\u00e5r eller inte. En bortskrivning<span class=\"__11 _624\"> </span> kan g\u00f6ras innan ev<span class=\"__11 _617\"/>entuella r<span class=\"__11 _617\"/>\u00e4ttsliga \u00e5tg\u00e4r<span class=\"__11 _617\"/>der mot l\u00e5n<span class=\"__11 _617\"/>tagaren,<span class=\"__11 _624\"> </span>f\u00f6r a<span class=\"__11 _617\"/>tt \u00e5tervinna skulden, har slutf<span class=\"__11 _617\"/>\u00f6rts. \u00c4<span class=\"__11 _625\"/>ven om en for<span class=\"__11 _617\"/>dran<span class=\"__11 _624\"> </span> som inte k<span class=\"__11 _617\"/>an drivas in bortskrivs eller avf<span class=\"__11 _617\"/>\u00f6rs fr\u00e5n balansr<span class=\"__11 _617\"/>\u00e4k-<span class=\"__11 _624\"> </span>ningen har kunden en r\u00e4<span class=\"__11 _617\"/>ttslig skyldighet att betala den ute-<span class=\"__11 _624\"> </span>st\u00e5ende skulden. Vid bed\u00f6mningen a<span class=\"__11 _617\"/>v huruvida os\u00e4kr<span class=\"__11 _617\"/>a l\u00e5ne-<span class=\"__11 _624\"> </span>for<span class=\"__11 _617\"/>dringar kan \u00e5tervinnas och om bortskrivning kr\u00e4<span class=\"__11 _617\"/>vs, \u00e4r det<span class=\"__11 _624\"> </span> fram<span class=\"__11 _617\"/>f\u00f6r all<span class=\"__11 _617\"/>t l\u00e5nef<span class=\"__11 _617\"/>ordringar med f<span class=\"__11 _617\"/>\u00f6ljande egenskaper som st\u00e5r<span class=\"__11 _624\"> </span> i fok<span class=\"__11 _617\"/>us (listan \u00e4r in<span class=\"__11 _617\"/>te utt\u00f6mmande):<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">L\u00e5nef<span class=\"__11 _617\"/>ordringar d\u00e4r kunderna \u00e4r mer \u00e4n 90 dagar sena med<span class=\"__11 _624\"> </span></span><span class=\"ws6_10\"> </span>betalningen. Om en l\u00e5nefor<span class=\"__11 _617\"/>dring, eller del a<span class=\"__11 _617\"/>v den, efter den<span class=\"__11 _624\"> </span> h\u00e4r bed\u00f6mningen anses var<span class=\"__11 _617\"/>a om\u00f6jlig att driva in, bortskrivs<span class=\"__11 _624\"> </span> den.<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">L\u00e5nef<span class=\"__11 _617\"/>ordringar som omf<span class=\"__11 _617\"/>a<span class=\"__11 _617\"/>ttas av ins<span class=\"__11 _617\"/>olvensf<span class=\"__11 _617\"/>\u00f6rfar<span class=\"__11 _617\"/>ande och<span class=\"__11 _624\"> </span></span><span class=\"ws6_10\"> </span>har l\u00e5g s\u00e4kerhetst\u00e4ckning.<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">L\u00e5nef<span class=\"__11 _617\"/>ordringar d\u00e4r juridiska kos<span class=\"__11 _617\"/>tnader f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tas f<span class=\"__11 _617\"/>\u00f6rbruka<span class=\"__11 _624\"> </span></span><span class=\"ws6_10\"> </span>beh\u00e5llningen fr\u00e5n k<span class=\"__11 _617\"/>onkursf\u00f6rf<span class=\"__11 _617\"/>arandet, med l\u00e5ga \u00e5tervin<span class=\"ws3_10\">-<span class=\"__11 _624\"> </span></span>ningsv\u00e4rden som f<span class=\"__11 _617\"/>\u00f6ljd.<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">Delbortskrivning kan vara bef<span class=\"__11 _617\"/>ogad n\u00e4r det \ufb01nns rimliga<span class=\"__11 _624\"> </span></span><span class=\"ws6_10\"> </span>ekonomiska bel\u00e4gg f<span class=\"__11 _617\"/>\u00f6r att l\u00e5n<span class=\"__11 _617\"/>tagaren in<span class=\"__11 _617\"/>te kan \u00e5terbet<span class=\"__11 _617\"/>ala<span class=\"__11 _624\"> </span> hela beloppet, det vill s\u00e4ga en avsev\u00e4r<span class=\"__11 _617\"/>d del a<span class=\"__11 _617\"/>v skulden kan<span class=\"__11 _624\"> </span> inte p\u00e5 rimliga grunder s\u00e4gas v<span class=\"__11 _617\"/>ara \u00e5<span class=\"__11 _617\"/>tervinningsbar genom<span class=\"__11 _624\"> </span> f\u00f6rmildr<span class=\"__11 _617\"/>ande kreditvillkor eller r<span class=\"__11 _617\"/>ealisering a<span class=\"__11 _617\"/>v s\u00e4kerheter<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span>Rekons<span class=\"__11 _617\"/>truktionsf<span class=\"__11 _617\"/>all.<span class=\"__11 _624\"> </span>Diskont<span class=\"__11 _617\"/>eringsr\u00e4n<span class=\"__11 _617\"/>ta<span class=\"__11 _624\"> </span>Diskont<span class=\"__11 _617\"/>eringsr\u00e4n<span class=\"__11 _617\"/>tan som anv<span class=\"__11 _617\"/>\u00e4nds f\u00f6r v<span class=\"__11 _617\"/>\u00e4rdering a<span class=\"__11 _617\"/>v os\u00e4kra<span class=\"__11 _624\"> </span> l\u00e5nefor<span class=\"__11 _617\"/>dringar motsvar<span class=\"__11 _617\"/><span class=\"__11 _624\">ar den ursprungliga effek</span><span class=\"__11 _617\"/>tiva r<span class=\"__11 _617\"/>\u00e4ntan<span class=\"__11 _624\"> </span> f\u00f6r l\u00e5n h\u00e4n<span class=\"__11 _617\"/>f\u00f6rliga till en enskild k<span class=\"__11 _617\"/>und eller<span class=\"__11 _625\"/>, i f\u00f6rekommande<span class=\"__11 _624\"> </span> fall, till en grupp a<span class=\"__11 _617\"/>v l\u00e5nefor<span class=\"__11 _617\"/>dringar<span class=\"__11 _625\"/>. Om s\u00e5 anses l\u00e4mpligt kan<span class=\"__11 _624\"> </span> diskont<span class=\"__11 _617\"/>eringsr\u00e4n<span class=\"__11 _617\"/>tan ber\u00e4knas med en metod som r<span class=\"__11 _617\"/>esulter<span class=\"__11 _617\"/>ar i<span class=\"__11 _624\"> </span> en nedskrivning som utg\u00f6r en rimlig uppskattning a<span class=\"__11 _617\"/>v v<span class=\"__11 _617\"/>ad en<span class=\"__11 _624\"> </span> <span class=\"__11 _624\">ber\u00e4kning grundad p\u00e5 eff</span><span class=\"__11 _617\"/>ektivr<span class=\"__11 _617\"/>\u00e4nt<span class=\"__11 _617\"/>emetoden skulle ge.<span class=\"__11 _624\"> </span>Omstruktur<span class=\"__11 _617\"/>erade l\u00e5nef<span class=\"__11 _617\"/>ordringar och modi\ufb01eringar<span class=\"__11 _624\"> </span>Med en omstruk<span class=\"__11 _617\"/>turerad l\u00e5nef<span class=\"__11 _617\"/>ordr<span class=\"__11 _617\"/>an a<span class=\"__11 _617\"/>vses i detta samman-<span class=\"__11 _624\"> </span>hang en l\u00e5nefor<span class=\"__11 _617\"/>dran d\u00e4r Nordea har bevilja<span class=\"__11 _617\"/>t l\u00e5nt<span class=\"__11 _617\"/>agaren efter-<span class=\"__11 _624\"> </span>gifter till f\u00f6ljd a<span class=\"__11 _625\"/>v dennes ekonomiska sv\u00e5righeter och d\u00e4r<span class=\"__11 _624\"> </span> s\u00e5dana eftergifter har gett uppho<span class=\"__11 _617\"/>v till en kreditf<span class=\"__11 _617\"/>\u00f6rlust f<span class=\"__11 _617\"/>\u00f6r<span class=\"__11 _624\"> </span> Nordea. Efter en oms<span class=\"__11 _617\"/>truktur<span class=\"__11 _617\"/>ering betrak<span class=\"__11 _617\"/>tas l\u00e5nef<span class=\"__11 _617\"/>ordran v<span class=\"__11 _617\"/>anli-<span class=\"__11 _624\"> </span>gen inte l\u00e4ngr<span class=\"__11 _617\"/>e som os\u00e4ker om \u00e5t<span class=\"__11 _617\"/>agandena fullf<span class=\"__11 _617\"/>\u00f6ljs i enlighet<span class=\"__11 _624\"> </span> med de nya villk<span class=\"__11 _617\"/>oren. I det fall en \u00e5<span class=\"__11 _617\"/>tervinning sker redovisas<span class=\"__11 _624\"> </span> betalningen som en \u00e5tervinning a<span class=\"__11 _617\"/>v kreditf<span class=\"__11 _617\"/>\u00f6rlust<span class=\"__11 _617\"/>er<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span> Modi\ufb01ering av de a<span class=\"__11 _617\"/>vtalsenliga k<span class=\"__11 _617\"/>assafl\u00f6dena f<span class=\"__11 _617\"/>\u00f6r l\u00e5n till kunder<span class=\"__11 _624\"> </span> med ekonomiska sv\u00e5righet<span class=\"__11 _617\"/>er (f\u00f6rmildr<span class=\"__11 _617\"/>ande kreditvillkor) mins<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>kar det redovisade l\u00e5nebeloppet, brutto. Normalt \u00e4r denna<span class=\"__11 _624\"> </span> minskning mindre \u00e4n den be\ufb01ntliga r<span class=\"__11 _617\"/>eserveringen, och ingen<span class=\"__11 _624\"> </span> f\u00f6rlus<span class=\"__11 _617\"/>t redovisas i r<span class=\"__11 _617\"/>esulta<span class=\"__11 _617\"/>tr\u00e4kningen till f<span class=\"__11 _617\"/>\u00f6ljd a<span class=\"__11 _617\"/>v modi\ufb01ering. Om<span class=\"__11 _624\"> </span> de \u00e4r betydande, minskas bruttobeloppen (l\u00e5n och r<span class=\"__11 _617\"/>eservering).<span class=\"__11 _624\"> </span> Tillg\u00e5ngar \u00f6vertagna f<span class=\"__11 _617\"/>\u00f6r skyddande a<span class=\"__11 _617\"/>v f<span class=\"__11 _617\"/>ordr<span class=\"__11 _617\"/>an<span class=\"__11 _624\"> </span>I en \ufb01nansiell omstruk<span class=\"__11 _617\"/>turering kan l\u00e5ngivar<span class=\"__11 _617\"/>en komma att<span class=\"__11 _624\"> </span> avs<span class=\"__11 _617\"/>t\u00e5 fr<span class=\"__11 _617\"/>\u00e5n l\u00e5nefor<span class=\"__11 _617\"/>dringar till f\u00f6rm\u00e5n f<span class=\"__11 _617\"/>\u00f6r l\u00e5n<span class=\"__11 _617\"/>tagaren och i utby-<span class=\"__11 _624\"> </span>te mot denna efter<span class=\"__11 _617\"/>gift ta \u00f6ver till<span class=\"__11 _617\"/>g\u00e5ngar som l\u00e4mnats som<span class=\"__11 _624\"> </span> s\u00e4kerhet f<span class=\"__11 _617\"/>\u00f6r l\u00e5nen, aktier som emitt<span class=\"__11 _617\"/>erats a<span class=\"__11 _617\"/>v l\u00e5n<span class=\"__11 _617\"/>tagaren eller<span class=\"__11 _624\"> </span> andra tillg\u00e5ngar<span class=\"__11 _625\"/>. En tillg\u00e5ng \u00f6vertagen f\u00f6r skyddande a<span class=\"__11 _625\"/>v for-<span class=\"__11 _624\"> </span>dran redo<span class=\"__11 _617\"/>visas i balansr\u00e4kningen tillsammans med liknande<span class=\"__11 _624\"> </span> tillg\u00e5ngar som redan innehas a<span class=\"__11 _617\"/>v Nordea. En \u00f6v<span class=\"__11 _617\"/>ertagen fastig-<span class=\"__11 _624\"> </span>het som inte innehas f<span class=\"__11 _617\"/>\u00f6r eget utn<span class=\"__11 _617\"/>yttjande redovisas till e<span class=\"__11 _617\"/>x<span class=\"__11 _617\"/>em-<span class=\"__11 _624\"> </span>pel tillsammans med andra f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheter<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Alla tillg\u00e5ngar som \u00f6vertagits f<span class=\"__11 _617\"/>\u00f6r skyddande a<span class=\"__11 _617\"/>v f<span class=\"__11 _617\"/>ordran<span class=\"__11 _624\"> </span> redovisas vid f<span class=\"__11 _617\"/>\u00f6rsta redo<span class=\"__11 _617\"/>visningstillf<span class=\"__11 _617\"/>\u00e4llet till verkligt v\u00e4r<span class=\"__11 _617\"/>de och<span class=\"__11 _624\"> </span> even<span class=\"__11 _617\"/>tuell skillnad mellan l\u00e5nets redovisade v<span class=\"__11 _617\"/>\u00e4rde och det<span class=\"__11 _624\"> </span> verkliga v\u00e4r<span class=\"__11 _617\"/>det p\u00e5 den \u00f6vertagna tillg\u00e5ngen redo<span class=\"__11 _617\"/>visas under<span class=\"__11 _624\"> </span> posten \u201dKreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter<span class=\"__11 _625\"/>, netto\u201d<span class=\"__11 _625\"/>. Det verkliga v\u00e4rdet p\u00e5 redovis-<span class=\"__11 _624\"> </span><span class=\"__11 _624\">ningsdagen blir tillg\u00e5ngens anskaffningsv</span><span class=\"__11 _617\"/>\u00e4rde eller upplupna<span class=\"__11 _624\"> </span> <span class=\"__11 _624\">anskaffningsv</span><span class=\"__11 _617\"/>\u00e4rde, beroende p\u00e5 v<span class=\"__11 _617\"/>ad som \u00e4r till\u00e4mpligt. Under<span class=\"__11 _624\"> </span>efterf\u00f6ljande perioder v<span class=\"__11 _617\"/>\u00e4rderas tillg\u00e5ngar som \u00f6<span class=\"__11 _617\"/>vertagits f<span class=\"__11 _617\"/>\u00f6r skyddande a<span class=\"__11 _617\"/>v for<span class=\"__11 _617\"/>dran i enlighet med g\u00e4llande v\u00e4r<span class=\"__11 _617\"/>derings-<span class=\"__11 _624\"> </span>principer f\u00f6r tillg\u00e5ngsslaget. F\u00f6rval<span class=\"__11 _617\"/>tningsfas<span class=\"__11 _617\"/>tigheter v\u00e4r<span class=\"__11 _617\"/>deras d\u00e5 till verkligt v\u00e4r<span class=\"__11 _617\"/>de. \u00d6vertagna \ufb01nansiella tillg\u00e5ngar klassi\ufb01-<span class=\"__11 _624\"> </span>ceras generell<span class=\"__11 _617\"/>t i kategorin \u201dV<span class=\"__11 _625\"/>erkligt v\u00e4rde via result<span class=\"__11 _617\"/>atr\u00e4kning-<span class=\"__11 _624\"> </span>en\u201d och v\u00e4rder<span class=\"__11 _617\"/>as till verkligt v\u00e4r<span class=\"__11 _617\"/>de. F\u00f6r<span class=\"__11 _617\"/>\u00e4ndringar i verkligt v\u00e4rde r<span class=\"__11 _617\"/>edovisas i result<span class=\"__11 _617\"/>atr\u00e4kningen under pos<span class=\"__11 _617\"/>ten \u201dNettore<span class=\"__11 _617\"/>sul-<span class=\"__11 _624\"> </span>tat a<span class=\"__11 _617\"/>v poster till v<span class=\"__11 _617\"/>erkligt v\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>E<span class=\"__11 _617\"/>ventuella v<span class=\"__11 _617\"/>\u00e4rdef<span class=\"__11 _617\"/>\u00f6r\u00e4ndringar eft<span class=\"__11 _617\"/>er den \u00f6vertagna tillg\u00e5ng-<span class=\"__11 _624\"> </span>ens f\u00f6rsta r<span class=\"__11 _617\"/>edovisningstillf<span class=\"__11 _617\"/>\u00e4lle, redo<span class=\"__11 _617\"/>visas i result<span class=\"__11 _617\"/>atr\u00e4kningen i enlighet med koncernens principer f<span class=\"__11 _617\"/>\u00f6r presen<span class=\"__11 _617\"/>tation a<span class=\"__11 _617\"/>v till-<span class=\"__11 _624\"> </span>g\u00e5ngsslaget. Posten \u201dKreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter<span class=\"__11 _625\"/>, netto\u201d i resultatr<span class=\"__11 _617\"/>\u00e4kning-<span class=\"__11 _624\"> </span>en p\u00e5v<span class=\"__11 _617\"/>erkas f\u00f6ljak<span class=\"__11 _617\"/>tligen in<span class=\"__11 _617\"/>te a<span class=\"__11 _617\"/>v ny<span class=\"__11 _617\"/>a v\u00e4rderingar a<span class=\"__11 _617\"/>v den \u00f6v<span class=\"__11 _617\"/>er-<span class=\"__11 _624\"> </span>tagna tillg\u00e5ngen efter f<span class=\"__11 _617\"/>\u00f6rsta redo<span class=\"__11 _617\"/>visningstillf<span class=\"__11 _617\"/>\u00e4llet.<span class=\"__11 _624\"> </span><div class=\"t_11 m0_11 h4_10 ff1_11 fs2_10 fc0_11 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:243.74841px;\">K3.8 <span class=\"__11 _642\"> </span>R\u00e4nt<span class=\"__11 _617\"/>eb\u00e4rande v<span class=\"__11 _617\"/>\u00e4rdepapper<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h5_10 ff1_11 fs3_10 fc1_10 sc0_11 ls1_11 ws3_10\" style=\"left:7.383362px; bottom:216.69153px;\">Redovisningsprinciper<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:192.10724px;\">Instrument s<span class=\"__11 _617\"/>om enkelt kan \u00f6<span class=\"__11 _617\"/>verf\u00f6r<span class=\"__11 _617\"/>as och d\u00e4r innehav<span class=\"__11 _617\"/>aren a<span class=\"__11 _617\"/>v </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:178.58203px;\">instrument<span class=\"__11 _617\"/>et erh\u00e5ller det nominella beloppet p\u00e5 f\u00f6rf<span class=\"__11 _617\"/>alloda-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:165.05682px;\">gen redovisas normalt under balanspos<span class=\"__11 _617\"/>ten \u201dR\u00e4n<span class=\"__11 _617\"/>teb\u00e4rande </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:151.53162px;\">v\u00e4rdepapper\u201d<span class=\"__11 _617\"/>. Instrumen<span class=\"__11 _617\"/>t som in<span class=\"__11 _617\"/>te kan \u00f6v<span class=\"__11 _617\"/>erf\u00f6ras eller s\u00e4ljas </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:138.00641px;\">utan innehav<span class=\"__11 _617\"/>arens medgiv<span class=\"__11 _617\"/>ande normalt redovisas s<span class=\"__11 _617\"/>om utl\u00e5-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:124.4812px;\">ning (se not K3.<span class=\"__11 _617\"/>7 \u201dUtl\u00e5ning\u201d). Vid \u00e5terk<span class=\"__11 _617\"/>\u00f6pstransak<span class=\"__11 _617\"/>tioner och </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:110.95599px;\">v\u00e4rdepappersl\u00e5n \u00f6v<span class=\"__11 _617\"/>erf\u00f6rs icke-kon<span class=\"__11 _617\"/>tan<span class=\"__11 _617\"/>ta tillg\u00e5ngar som s\u00e4ker-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:97.43085px;\">het. Om den mottagande parten har r\u00e4tt att s\u00e4lja eller i sin tur </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:83.90564px;\">pants\u00e4tt<span class=\"__11 _617\"/>a tillg\u00e5ngen redovisas den i balansr<span class=\"__11 _617\"/>\u00e4kningen under </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:70.38043px;\">posten \u201dP<span class=\"__11 _617\"/>antsa<span class=\"__11 _617\"/>tta \ufb01nansiella instrumen<span class=\"__11 _617\"/>t\u201d (se not K3.9 \u201dPan<span class=\"__11 _617\"/>t-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:56.855225px;\">satta \ufb01nansiella instrumen<span class=\"__11 _617\"/>t\u201d).<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:12.908623px; bottom:43.330017px;\">F\u00f6r ytt<span class=\"__11 _617\"/>erligare inf<span class=\"__11 _617\"/>ormation om r<span class=\"__11 _617\"/>edovisningsprinciper<span class=\"__11 _625\"/>, se not </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 wsa_10\" style=\"left:0.013267517px; bottom:29.80481px;\">K3.<span class=\"__11 _625\"/>1 \u201dRedovisning och bortbokning i balansr\u00e4kningen\u201d<span class=\"__11 _625\"/>, not K3.2 </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.013267517px; bottom:16.279602px;\">\u201d\u00d6verf\u00f6r<span class=\"__11 _617\"/>da tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>, not K3.3 \u201dKlas<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.013267517px; bottom:2.7543945px;\">si\ufb01cering och v\u00e4rdering\u201d och no<span class=\"__11 _617\"/>t K3.4 \u201dV<span class=\"__11 _617\"/>erkligt v<span class=\"__11 _617\"/>\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h4_10 ff1_11 fs2_10 fc0_11 sc0_11 ls1_11 ws3_10\" style=\"left:0.008605957px; bottom:162.59216px;\">K3.9 <span class=\"__11 _642\"> </span>P<span class=\"__11 _617\"/>antsa<span class=\"__11 _617\"/>tta \ufb01nansiella ins<span class=\"__11 _617\"/>trument<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h5_10 ff1_11 fs3_10 fc1_10 sc0_11 ls1_11 ws3_10\" style=\"left:7.3723145px; bottom:135.53528px;\">Redovisningsprinciper </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.008605957px; bottom:110.95099px;\">Vid \u00e5terk\u00f6ps<span class=\"__11 _617\"/>transak<span class=\"__11 _617\"/>tioner och v\u00e4rdepappersl\u00e5n \u00f6<span class=\"__11 _617\"/>verf\u00f6rs icke-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.008605957px; bottom:97.42578px;\">kont<span class=\"__11 _617\"/>anta tillg\u00e5ngar som s\u00e4k<span class=\"__11 _617\"/>erhet. Om den mottagande par-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 wsa_10\" style=\"left:0.008605957px; bottom:83.90057px;\">ten har r\u00e4<span class=\"__11 _617\"/>tt att s\u00e4lja eller i sin tur pants\u00e4<span class=\"__11 _617\"/>tta tillg\u00e5ngen omklas<span class=\"ws3_10\">-<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.008605957px; bottom:70.37537px;\">si\ufb01ceras den i balansr<span class=\"__11 _617\"/>\u00e4kningen till posten \u201dP<span class=\"__11 _617\"/>antsa<span class=\"__11 _617\"/>tta \ufb01nan-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.008605957px; bottom:56.85016px;\">siella instrument\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:12.903931px; bottom:43.32495px;\">F\u00f6r mer in<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>ormation om redovisningsprinciper<span class=\"__11 _625\"/>, se not K3.<span class=\"__11 _625\"/>1 </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.008605957px; bottom:29.799744px;\">\u201dRedovisning och bortbokning i balansr\u00e4kningen\u201d<span class=\"__11 _625\"/>, not K3.2 </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.008605957px; bottom:16.274597px;\">\u201d\u00d6verf\u00f6r<span class=\"__11 _617\"/>da tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>, not K3.3 </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.008605957px; bottom:2.7493896px;\">\u201dKlassi\ufb01cering och v\u00e4rdering\u201d och no<span class=\"__11 _617\"/>t K3.4 \u201dV<span class=\"__11 _617\"/>erkligt v<span class=\"__11 _617\"/>\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span></div>K3.<span class=\"__11 _625\"/>10  Aktier och andelar<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>Balansposten \u201d<span class=\"__11 _625\"/>Ak<span class=\"__11 _617\"/>tier och andelar<span class=\"__11 _626\"/>\u201d innefa<span class=\"__11 _617\"/>ttar eget kapital-<span class=\"__11 _624\"> </span>instrument, det vill s\u00e4ga a<span class=\"__11 _617\"/>vtal som inneb\u00e4r en residual r<span class=\"__11 _617\"/>\u00e4tt i ett f\u00f6r<span class=\"__11 _617\"/>etags tillg\u00e5ngar efter a<span class=\"__11 _617\"/>vdr<span class=\"__11 _617\"/>ag f\u00f6r alla dess sk<span class=\"__11 _617\"/>ulder<span class=\"__11 _625\"/>, inklu-<span class=\"__11 _624\"> </span>sive inneha<span class=\"__11 _617\"/>v i olika fonder<span class=\"__11 _625\"/>, s\u00e5som andelar i en v\u00e4rdepappers-<span class=\"__11 _624\"> </span>fond eller riskkapit<span class=\"__11 _617\"/>alfond. <span class=\"__11 _617\"/>Ak<span class=\"__11 _617\"/>tier och andelar i intre<span class=\"__11 _617\"/>ssef\u00f6r<span class=\"__11 _617\"/>etag och joint ven<span class=\"__11 _617\"/>tures (s<span class=\"__11 _617\"/>e not K9.3 \u201d<span class=\"__11 _625\"/>Ak<span class=\"__11 _617\"/>tier och andelar i in<span class=\"__11 _617\"/>tresse-<span class=\"__11 _624\"> </span>f\u00f6r<span class=\"__11 _617\"/>etag och joint v<span class=\"__11 _617\"/>enture<span class=\"__11 _617\"/>s\u201d), aktier och andelar i konc<span class=\"__11 _617\"/>ernf<span class=\"__11 _617\"/>\u00f6re-<span class=\"__11 _624\"> </span>tag (se not K9.<span class=\"__11 _625\"/>1 \u201dKonsolider<span class=\"__11 _617\"/>ade f\u00f6r<span class=\"__11 _617\"/>etag\u201d) och inneha<span class=\"__11 _617\"/>v av aktier och f<span class=\"__11 _617\"/>ondandelar f<span class=\"__11 _617\"/>\u00f6r kunders r\u00e4kning (se no<span class=\"__11 _617\"/>t K3.<span class=\"__11 _625\"/>11 \u201dTill-<span class=\"__11 _624\"> </span>g\u00e5ngar och inl\u00e5ning i placeringsportf\u00f6ljer och f<span class=\"__11 _617\"/>ondf<span class=\"__11 _617\"/>\u00f6rs\u00e4k-<span class=\"__11 _624\"> </span>ringsavtal\u201d) r<span class=\"__11 _617\"/>edovisas emellertid int<span class=\"__11 _617\"/>e under \u201d<span class=\"__11 _625\"/>Ak<span class=\"__11 _617\"/>tier och andelar<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Vid \u00e5terk\u00f6ps<span class=\"__11 _617\"/>transak<span class=\"__11 _617\"/>tioner och v\u00e4rdepappersl\u00e5n \u00f6<span class=\"__11 _617\"/>verf\u00f6rs icke-kon<span class=\"__11 _617\"/>tanta till<span class=\"__11 _617\"/>g\u00e5ngar som s\u00e4kerhet. Om den mottagande parten har r\u00e4tt att s\u00e4lja eller i sin tur pan<span class=\"__11 _617\"/>ts\u00e4tt<span class=\"__11 _617\"/>a tillg\u00e5ngen omklassi\ufb01ceras den i balansr<span class=\"__11 _617\"/>\u00e4kningen till posten \u201dP<span class=\"__11 _617\"/>antsa<span class=\"__11 _617\"/>tta \ufb01nansiella instrument\u201d (se not K3.9 \u201dP<span class=\"__11 _617\"/>antsa<span class=\"__11 _617\"/>tta \ufb01nansiella instrument\u201d).<span class=\"__11 _624\"> </span>F\u00f6r ytt<span class=\"__11 _617\"/>erligare inf<span class=\"__11 _617\"/>ormation om r<span class=\"__11 _617\"/>edovisningsprinciper<span class=\"__11 _625\"/>, se not K3.<span class=\"__11 _625\"/>1 \u201dRedovisning och bortbokning i balansr\u00e4kningen\u201d<span class=\"__11 _625\"/>, not K3.2 \u201d\u00d6verf\u00f6r<span class=\"__11 _617\"/>da tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>, not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d och no<span class=\"__11 _617\"/>t K3.4 \u201dV<span class=\"__11 _617\"/>erkligt v\u00e4rde\u201d<span class=\"__11 _624\"> </span>K3.<span class=\"__11 _625\"/>11   <span class=\"__11 _3c_5\"/>Tillg\u00e5ngar och inl\u00e5ning i placeringsportf\u00f6ljer och f<span class=\"__11 _617\"/>ondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>I fr\u00e5ga om tillg\u00e5ngar och inl\u00e5ning inom r<span class=\"__11 _617\"/>amen f\u00f6r a<span class=\"__11 _617\"/>vtal med kunder om placeringsportf\u00f6ljer och f<span class=\"__11 _617\"/>ondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringar \u00e4r det kunderna och f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringstagarna som tar merparten a<span class=\"__11 _617\"/>v eller hela risken. F<span class=\"__11 _617\"/>ondf\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal med garan<span class=\"__11 _617\"/>tier eller \ufb01nan-<span class=\"__11 _624\"> </span>siella avtal s<span class=\"__11 _617\"/>om medf\u00f6r bety<span class=\"__11 _617\"/>dande f\u00f6rs\u00e4kringsrisk klassi\ufb01ce-<span class=\"__11 _624\"> </span>ras som f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal. Inl\u00e5ningsmedlen fr<span class=\"__11 _617\"/>\u00e5n kunderna inves<span class=\"__11 _617\"/>teras i olika typer a<span class=\"__11 _617\"/>v \ufb01nansiella tillg\u00e5ngar f<span class=\"__11 _617\"/>\u00f6r kundernas och f\u00f6rs\u00e4kringstagarnas r<span class=\"__11 _617\"/>\u00e4kning. Tillg\u00e5ngar och inl\u00e5ning enligt dessa avt<span class=\"__11 _617\"/>al redovisas och v\u00e4rder<span class=\"__11 _617\"/>as till verkligt v\u00e4r<span class=\"__11 _617\"/>de enligt beskrivningen i not K3.4 \u201dV<span class=\"__11 _617\"/>erkligt v\u00e4r<span class=\"__11 _617\"/>de\u201d<span class=\"__11 _625\"/>. F\u00f6r mer inf<span class=\"__11 _617\"/>orma<span class=\"__11 _617\"/>tion om skillnaden mellan f\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal och \ufb01nansiella a<span class=\"__11 _617\"/>vtal, se not K4 \u201dF\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>K3.<span class=\"__11 _625\"/>12<span class=\"fs6_10\">  </span>Derivatinstrumen<span class=\"__11 _617\"/>t<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>Ett derivatins<span class=\"__11 _617\"/>trument \u00e4r ett \ufb01nansiell<span class=\"__11 _617\"/>t instrument eller anna<span class=\"__11 _617\"/>t avtal s<span class=\"__11 _617\"/>om har alla tre f<span class=\"__11 _617\"/>\u00f6ljande k\u00e4nnetecken:<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">Dess v\u00e4rde f<span class=\"__11 _617\"/>\u00f6r\u00e4ndr<span class=\"__11 _617\"/>as till f<span class=\"__11 _617\"/>\u00f6ljd av en f<span class=\"__11 _617\"/>\u00f6r\u00e4ndring i en angiv<span class=\"__11 _617\"/>en </span>variabel, ex<span class=\"__11 _617\"/>empelvis r<span class=\"__11 _617\"/>\u00e4nt<span class=\"__11 _617\"/>a, kurs p\u00e5 \ufb01nansiellt instrumen<span class=\"__11 _617\"/>t, r\u00e5<span class=\"__11 _617\"/>varupris, v<span class=\"__11 _617\"/>\u00e4xelk<span class=\"__11 _617\"/>urs, pris- eller r\u00e4nt<span class=\"__11 _617\"/>eindex, kr<span class=\"__11 _617\"/>editbetyg eller kreditinde<span class=\"__11 _617\"/>x, f\u00f6rutsa<span class=\"__11 _617\"/>tt att \u2013 i fr<span class=\"__11 _617\"/>\u00e5ga om en icke-\ufb01nansiell vari<span class=\"ws3_10\">-<span class=\"__11 _624\"> </span></span>abel \u2013 den inte \u00e4r speci\ufb01k f<span class=\"__11 _617\"/>\u00f6r n\u00e5gon a<span class=\"__11 _617\"/>v a<span class=\"__11 _617\"/>vtalsparterna (s\u00e5 kallad \u201dunderliggande variabel\u201d);<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">Det kr\u00e4<span class=\"__11 _617\"/>ver ingen initial nettoin<span class=\"__11 _617\"/>vest<span class=\"__11 _617\"/>ering eller en initial net<span class=\"ws3_10\">-<span class=\"__11 _624\"> </span></span></span>toinve<span class=\"__11 _617\"/>stering som \u00e4r mindr<span class=\"__11 _617\"/>e \u00e4n vad som skulle kr<span class=\"__11 _617\"/>\u00e4<span class=\"__11 _617\"/>vas f<span class=\"__11 _617\"/>\u00f6r andra typer a<span class=\"__11 _617\"/>v a<span class=\"__11 _617\"/>vtal som kan f<span class=\"__11 _617\"/>\u00f6rv\u00e4ntas r<span class=\"__11 _617\"/>eagera p\u00e5 liknande s\u00e4tt p\u00e5 f<span class=\"__11 _617\"/>\u00f6r\u00e4ndringar i marknadsf<span class=\"__11 _617\"/>akt<span class=\"__11 _617\"/>orer; och \u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">A<span class=\"__11 _617\"/>vvecklingen sk<span class=\"__11 _617\"/>er i fram<span class=\"__11 _617\"/>tiden.<span class=\"__11 _624\"> </span></span>Samtliga deriv<span class=\"__11 _617\"/>at redovisas i balansr<span class=\"__11 _617\"/>\u00e4kningen och v\u00e4r<span class=\"__11 _617\"/>deras till verkligt v\u00e4r<span class=\"__11 _617\"/>de. Derivat med positivt v<span class=\"__11 _617\"/>erkligt v\u00e4rde, inkl<span class=\"__11 _617\"/>usive upplupen r\u00e4n<span class=\"__11 _617\"/>ta, redovisas p\u00e5 tillg\u00e5ngssidan under pos<span class=\"__11 _617\"/>ten \u201dDerivatins<span class=\"__11 _617\"/>trument\u201d<span class=\"__11 _625\"/>. Derivat med negativt verkligt v<span class=\"__11 _617\"/>\u00e4rde, inklusive upplupen r<span class=\"__11 _617\"/>\u00e4nta, r<span class=\"__11 _617\"/>edovisas p\u00e5 skuldsidan under pos-<span class=\"__11 _624\"> </span>ten \u201dDeriva<span class=\"__11 _617\"/>tinstrument\u201d<span class=\"__11 _625\"/>. Vid v\u00e4rderingen a<span class=\"__11 _617\"/>v derivat till v<span class=\"__11 _617\"/>erk-<span class=\"__11 _624\"> </span>ligt v\u00e4rde g\u00f6r Nor<span class=\"__11 _617\"/>dea justeringar i f<span class=\"__11 _617\"/>orm a<span class=\"__11 _617\"/>v s\u00e5 kallade credit value adjustmen<span class=\"__11 _617\"/>ts (<span class=\"__11 _617\"/>CV<span class=\"__11 _625\"/>A) och debit value adjustmen<span class=\"__11 _617\"/>ts (DV<span class=\"__11 _625\"/>A). CV<span class=\"__11 _617\"/>A<span class=\"__11 _617\"/> och DV<span class=\"__11 _625\"/>A<span class=\"__11 _617\"/> speglar hur motpartens kreditrisk re<span class=\"__11 _617\"/>spektiv<span class=\"__11 _617\"/>e Nordeas egen kreditv<span class=\"__11 _617\"/>\u00e4rdighet p\u00e5<span class=\"__11 _617\"/>verkar deriva<span class=\"__11 _617\"/>tets verkliga v\u00e4rde. F<span class=\"__11 _617\"/>\u00f6r ytterligare in<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>ormation om ber\u00e4kningen och \u00f6<span class=\"__11 _617\"/>vriga XV<span class=\"__11 _625\"/>A, se not K3.4 \u201dVerkligt v<span class=\"__11 _617\"/>\u00e4rde\u201d<span class=\"__11 _625\"/>. Realiserade och or<span class=\"__11 _617\"/>ealiserade vins<span class=\"__11 _617\"/>ter och f<span class=\"__11 _617\"/>\u00f6rluster p\u00e5 deri-<span class=\"__11 _624\"> </span>vat r<span class=\"__11 _617\"/>edovisas i resul<span class=\"__11 _617\"/>tatr\u00e4kningen under pos<span class=\"__11 _617\"/>ten \u201dNettor<span class=\"__11 _617\"/>esultat av pos<span class=\"__11 _617\"/>ter till verkligt v<span class=\"__11 _617\"/>\u00e4rde\u201d<span class=\"__11 _625\"/>. F\u00f6r mer in<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>ormation om redo<span class=\"__11 _617\"/>vis-<span class=\"__11 _624\"> </span>ningsprinciper och kritiska bed\u00f6mningar<span class=\"__11 _625\"/>, se not K3.4 \u201dV<span class=\"__11 _617\"/>erkligt v\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span><div class=\"t_11 m0_11 h4_10 ff1_11 fs2_10 fc0_11 sc0_11 ls1_11 ws10_10\" style=\"left:0.013267517px; bottom:189.65466px;\">K3.<span class=\"__11 _625\"/>14 <span class=\"__11 _642\"> </span>In- och uppl\u00e5ning f<span class=\"__11 _617\"/>r\u00e5n allm\u00e4nheten<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h5_10 ff1_11 fs3_10 fc1_10 sc0_11 ls1_11 ws3_10\" style=\"left:7.383362px; bottom:162.59778px;\">Redovisningsprinciper<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:138.01349px;\">Inl\u00e5ning fr\u00e5n allm\u00e4nheten de<span class=\"__11 _617\"/>\ufb01nieras som medel p\u00e5 inl\u00e5nings-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:124.48828px;\">kont<span class=\"__11 _617\"/>on som omf<span class=\"__11 _617\"/>attas a<span class=\"__11 _617\"/>v den s<span class=\"__11 _617\"/>tatliga ins\u00e4ttnings<span class=\"__11 _617\"/>garan<span class=\"__11 _617\"/>tin, men<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:110.96307px;\">innefa<span class=\"__11 _617\"/>ttar ocks\u00e5 belopp ut\u00f6v<span class=\"__11 _617\"/>er de enskilda beloppsgr\u00e4nserna.<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:97.43787px;\">\u00c4<span class=\"__11 _617\"/>ven individuell<span class=\"__11 _617\"/>t pensionssparande (IPS) ing\u00e5r<span class=\"__11 _625\"/>. Uppl\u00e5ning \u00e4r<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:83.91266px;\">andra skulder till allm\u00e4nhet<span class=\"__11 _617\"/>en \u00e4n skuldinstrumen<span class=\"__11 _617\"/>t. Inl\u00e5ning<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:70.38745px;\">klassi\ufb01ceras i enlighet med no<span class=\"__11 _617\"/>t K3.3 \u201dKlassi\ufb01cering och<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:56.862244px;\">v\u00e4rdering\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:12.908623px; bottom:43.337097px;\">F\u00f6r ytt<span class=\"__11 _617\"/>erligare redovisningsprinciper<span class=\"__11 _625\"/>, se not K3.<span class=\"__11 _625\"/>1 \u201dRedovis-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:29.81189px;\">ning och bortbokning i balansr\u00e4kningen\u201d<span class=\"__11 _625\"/>, not K3.2 \u201d\u00d6verf\u00f6rda<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:16.286682px;\">tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter<span class=\"__11 _626\"/>\u201d och not K3.4 \u201dV<span class=\"__11 _617\"/>erkligt<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:2.7614746px;\">v\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h4_10 ff1_11 fs2_10 fc0_11 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:203.177px;\">K3.<span class=\"__11 _625\"/>15  Emitterade v\u00e4rdepapper<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h5_10 ff1_11 fs3_10 fc1_10 sc0_11 ls1_11 ws3_10\" style=\"left:7.383362px; bottom:176.12012px;\">Redovisningsprinciper<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:151.53583px;\">Emitterade v<span class=\"__11 _617\"/>\u00e4rdepapper \u00e4r instrumen<span class=\"__11 _617\"/>t som Nordea emitter<span class=\"__11 _617\"/>at<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:138.01062px;\">och som enkelt kan \u00f6<span class=\"__11 _617\"/>verf\u00f6r<span class=\"__11 _617\"/>as utan Nordeas medgiv<span class=\"__11 _617\"/>ande.<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:124.48541px;\">Emitterade v<span class=\"__11 _617\"/>\u00e4rdepapper klassi\ufb01ceras i enlighet med no<span class=\"__11 _617\"/>t K3.3<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:110.960205px;\">\u201dKlassi\ufb01cering och v\u00e4rdering\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:12.908623px; bottom:97.43503px;\">F\u00f6r en s\u00e4kr<span class=\"__11 _617\"/>ad post i en s\u00e4kring a<span class=\"__11 _617\"/>v verkligt v<span class=\"__11 _617\"/>\u00e4rde p\u00e5 mikro-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:83.90982px;\">niv\u00e5, v\u00e4r<span class=\"__11 _617\"/>deras den s\u00e4krade risk<span class=\"__11 _617\"/>en till verkligt v\u00e4r<span class=\"__11 _617\"/>de och redo-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:70.38461px;\">visas p\u00e5 raden \u201dF<span class=\"__11 _617\"/>\u00f6r\u00e4ndringar a<span class=\"__11 _617\"/>v verkligt v<span class=\"__11 _617\"/>\u00e4rde f<span class=\"__11 _617\"/>\u00f6r mikros\u00e4k<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:56.859436px;\">ringar av r<span class=\"__11 _617\"/>\u00e4nt<span class=\"__11 _617\"/>erisk\u201d i tabellen nedan (f\u00f6r ytt<span class=\"__11 _617\"/>erligare inf<span class=\"__11 _617\"/>orma<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:43.33423px;\">tion, se not K3.6 \u201dS\u00e4kringsredo<span class=\"__11 _617\"/>visning\u201d).<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:12.908623px; bottom:29.809021px;\">F\u00f6r ytt<span class=\"__11 _617\"/>erligare redovisningsprinciper<span class=\"__11 _625\"/>, se not K3.<span class=\"__11 _625\"/>1 \u201dRedovis-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:16.283813px;\">ning och bortbokning i balansr\u00e4kningen\u201d och not K3.4 \u201dV<span class=\"__11 _625\"/>erk-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:2.7586365px;\">ligt v\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h4_10 ff1_11 fs2_10 fc0_11 sc0_11 ls1_11 ws3_10\" style=\"left:0.008605957px; bottom:108.49841px;\">K3.<span class=\"__11 _625\"/>16  \u00d6vriga skulder<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h5_10 ff1_11 fs3_10 fc1_10 sc0_11 ls1_11 ws3_10\" style=\"left:7.3723145px; bottom:81.44153px;\">Redovisningsprinciper<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.008605957px; bottom:56.85724px;\">\u00d6vriga skulder \u00e4r skulder som in<span class=\"__11 _617\"/>te upp<span class=\"__11 _617\"/>fyller kriterierna f\u00f6r<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.008605957px; bottom:43.33203px;\">n\u00e5gon av de \u00f6<span class=\"__11 _617\"/>vriga skuldpost<span class=\"__11 _617\"/>erna.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:12.903931px; bottom:29.806824px;\">F\u00f6r ytt<span class=\"__11 _617\"/>erligare redovisningsprinciper<span class=\"__11 _625\"/>, se not K3.<span class=\"__11 _625\"/>1 \u201dRedovis-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.008605957px; bottom:16.281616px;\">ning och bortbokning i balansr\u00e4kningen\u201d<span class=\"__11 _625\"/>, not K3.3 \u201dKlassi\ufb01ce-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.008605957px; bottom:2.7564087px;\">ring och v\u00e4rdering\u201d och no<span class=\"__11 _617\"/>t K3.4 \u201dV<span class=\"__11 _617\"/>erkligt v\u00e4r<span class=\"__11 _617\"/>de\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span></div>K3.<span class=\"__11 _625\"/>17  Efterst\u00e4llda skulder<span class=\"__11 _624\"> </span> Redovisningsprinciper<span class=\"__11 _624\"> </span>Efterst\u00e4llda sk<span class=\"__11 _617\"/>ulder \u00e4r \ufb01nansiella skulder f<span class=\"__11 _617\"/>\u00f6r vilka det fr<span class=\"__11 _617\"/>am-<span class=\"__11 _624\"> </span>g\u00e5r av a<span class=\"__11 _617\"/>vtalet a<span class=\"__11 _617\"/>tt de i h\u00e4ndelse a<span class=\"__11 _617\"/>v likvidation eller konk<span class=\"__11 _617\"/>urs<span class=\"__11 _624\"> </span> inte \u00e5<span class=\"__11 _617\"/>terbetalas f<span class=\"__11 _617\"/>\u00f6rr\u00e4n sam<span class=\"__11 _617\"/>tliga \u00e5taganden gen<span class=\"__11 _617\"/>temot andr<span class=\"__11 _617\"/>a<span class=\"__11 _624\"> </span> for<span class=\"__11 _617\"/>drings\u00e4gare har fullgjorts.<span class=\"__11 _624\"> </span> F\u00f6r ytt<span class=\"__11 _617\"/>erligare redovisningsprinciper<span class=\"__11 _625\"/>, se not K3.<span class=\"__11 _625\"/>1 \u201dRedo-<span class=\"__11 _624\"> </span>visning och bortbokning i balansr\u00e4kningen\u201d och not K3.3<span class=\"__11 _624\"> </span> \u201dKlassi\ufb01cering och v\u00e4rdering\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span> F\u00f6r en s\u00e4kr<span class=\"__11 _617\"/>ad post i en s\u00e4kring a<span class=\"__11 _617\"/>v verkligt v<span class=\"__11 _617\"/>\u00e4rde p\u00e5 mikro-<span class=\"__11 _624\"> </span>niv\u00e5, v\u00e4r<span class=\"__11 _617\"/>deras den s\u00e4krade risk<span class=\"__11 _617\"/>en till verkligt v\u00e4r<span class=\"__11 _617\"/>de och redo<span class=\"__11 _624\"> </span>-<span class=\"__11 _624\"> </span>visas p\u00e5 raden \u201dF<span class=\"__11 _617\"/>\u00f6r\u00e4ndringar a<span class=\"__11 _617\"/>v verkligt v<span class=\"__11 _617\"/>\u00e4rde f<span class=\"__11 _617\"/>\u00f6r mikros\u00e4k<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>ringar av r<span class=\"__11 _617\"/>\u00e4nt<span class=\"__11 _617\"/>erisk\u201d i tabellen nedan (f\u00f6r ytt<span class=\"__11 _617\"/>erligare inf<span class=\"__11 _617\"/>orma<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>tion, se not K3.6 \u201dS\u00e4kringsredo<span class=\"__11 _617\"/>visning\u201d). F\u00f6r mer in<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>ormation<span class=\"__11 _624\"> </span> om de kritiska bed\u00f6mningar som kr\u00e4<span class=\"__11 _617\"/>vs f<span class=\"__11 _617\"/>\u00f6r att bed\u00f6ma om e<span class=\"__11 _624\"> </span>n<span class=\"__11 _624\"> </span> efterst\u00e4lld skuld sk<span class=\"__11 _617\"/>a klassi\ufb01ceras som en sk<span class=\"__11 _617\"/>uld eller som ege<span class=\"__11 _624\"> </span>t<span class=\"__11 _624\"> </span> kapital, se not K3.3 \u201dKlassi\ufb01cering och v<span class=\"__11 _617\"/>\u00e4rdering\u201d<span class=\"__11 _624\"> </span>K4 F<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsa<span class=\"__11 _625\"/>vtal Redovisningsprinciper<span class=\"__11 _624\"> </span>Ett f\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal de\ufb01nieras s<span class=\"__11 _617\"/>om \u201d<span class=\"__11 _625\"/>ett avtal enligt vilket en part (f\u00f6rs\u00e4kringsgivaren) ac<span class=\"__11 _617\"/>cepter<span class=\"__11 _617\"/>ar en betydande f<span class=\"__11 _617\"/>\u00f6rs\u00e4k-<span class=\"__11 _624\"> </span>ringsrisk fr\u00e5n en annan part (f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringstagaren) genom att g\u00e5 med p\u00e5 att kompenser<span class=\"__11 _617\"/>a f\u00f6rs\u00e4krings<span class=\"__11 _617\"/>tagaren om en angiven oviss fr<span class=\"__11 _617\"/>amtida h\u00e4ndelse (<span class=\"__11 _617\"/>den f\u00f6rs\u00e4kr<span class=\"__11 _617\"/>ade h\u00e4ndelsen) har en negativ inv<span class=\"__11 _617\"/>erkan p\u00e5 f\u00f6rs\u00e4kringst<span class=\"__11 _617\"/>agaren\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Finansiella avtal \u00e4r a<span class=\"__11 _625\"/>vtal med f\u00f6rs\u00e4kringstagare som har f\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtalets juridiska f<span class=\"__11 _617\"/>orm, men f<span class=\"__11 _617\"/>\u00f6r vilka f\u00f6rs\u00e4krings-<span class=\"__11 _624\"> </span>risken bed\u00f6ms var<span class=\"__11 _617\"/>a obetydlig.<span class=\"__11 _624\"> </span>F\u00f6rs\u00e4kringsrisken ber<span class=\"__11 _617\"/>\u00e4knas vanligen som risksumman i procen<span class=\"__11 _617\"/>t av den r<span class=\"__11 _617\"/>eserv som t\u00e4cker a<span class=\"__11 _617\"/>vtalet vid a<span class=\"__11 _617\"/>vtalsperiodens b\u00f6rjan.<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vtalen kan delas in i f<span class=\"__11 _617\"/>\u00f6ljande klasser:<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span>F\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal: <span class=\"__11 _a2_3\"/>-<span class=\"__11 _a3_3\"> </span>T<span class=\"__11 _625\"/>raditionella livf\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal med eller utan diskretio-<span class=\"__11 _624\"> </span>n\u00e4r del <span class=\"__11 _a2_3\"/>-<span class=\"__11 _a3_3\"> </span>Fondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal med betydande f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsrisk <span class=\"__11 _a2_3\"/>-<span class=\"__11 _a3_3\"> </span>Sjuk- och ol<span class=\"__11 _617\"/>ycksf<span class=\"__11 _617\"/>allsf\u00f6rs\u00e4kringar<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">Finansiella avtal:</span> <span class=\"__11 _a2_3\"/>-<span class=\"__11 _a3_3\"> </span>Finansiella avtal med diskr<span class=\"__11 _617\"/>etion\u00e4r del <span class=\"__11 _a2_3\"/>-<span class=\"__11 _a3_3\"> </span>Finansiella avtal ut<span class=\"__11 _617\"/>an diskretion\u00e4r del.<span class=\"__11 _624\"> </span>Inf<span class=\"__11 _617\"/>ormation om in<span class=\"__11 _617\"/>t\u00e4ktsr<span class=\"__11 _617\"/>edovisning f<span class=\"__11 _617\"/>\u00f6r f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal \ufb01nns i not K2.4 \u201dSumma nettore<span class=\"__11 _617\"/>sultat a<span class=\"__11 _617\"/>v post<span class=\"__11 _617\"/>er till verkligt v\u00e4r<span class=\"__11 _617\"/>de\u201d<span class=\"__11 _625\"/>. Inf<span class=\"__11 _617\"/>ormation om in<span class=\"__11 _617\"/>f\u00f6r<span class=\"__11 _617\"/>andet a<span class=\"__11 _617\"/>v IFRS 17 \u201dF<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal\u201d \ufb01nns i not K10.6 \u201d\u00d6ver<span class=\"__11 _617\"/>g\u00e5ngen till IFRS 17 F<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal\u201d<span class=\"__11 _625\"/>. IFRS 17 g\u00e4ller f\u00f6r r<span class=\"__11 _617\"/>\u00e4kenskaps\u00e5r som b\u00f6rjar den 1 januari 2023 eller senare, som beskrivs i no<span class=\"__11 _617\"/>t K1 \u201dRedovisningsprinciper\u201d<span class=\"__11 _617\"/>.<span class=\"__11 _624\"> </span>F<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal Skulder till f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringstagare innef<span class=\"__11 _617\"/>attar \u00e5<span class=\"__11 _617\"/>taganden h\u00e4nf<span class=\"__11 _617\"/>\u00f6rliga till f\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal och \ufb01nansiella a<span class=\"__11 _617\"/>vtal med f\u00f6rs\u00e4kringstagar<span class=\"__11 _617\"/>e.<span class=\"__11 _624\"> </span>V<span class=\"__11 _617\"/>\u00e4rderingsprinciperna enligt na<span class=\"__11 _617\"/>tionell redovisningss<span class=\"__11 _617\"/>tan-<span class=\"__11 _624\"> </span>dard har bibeh\u00e5llits, vilket f<span class=\"__11 _617\"/>\u00f6ljaktligen r<span class=\"__11 _617\"/>esulter<span class=\"__11 _617\"/>ar i icke enhet-<span class=\"__11 _624\"> </span>liga redovisningsprinciper vid kons<span class=\"__11 _617\"/>olidering.<span class=\"__11 _624\"> </span>F\u00f6rs\u00e4kringst<span class=\"__11 _617\"/>ekniska a<span class=\"__11 _617\"/>vs\u00e4ttningar f<span class=\"__11 _617\"/>\u00f6r traditionell livf\u00f6rs\u00e4k<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>ring i Finland och Danmark v\u00e4rder<span class=\"__11 _617\"/>as genom ber\u00e4kning a<span class=\"__11 _617\"/>v nuv\u00e4rdet a<span class=\"__11 _617\"/>v de fr<span class=\"__11 _617\"/>amtida f<span class=\"__11 _617\"/>\u00f6rm\u00e5ner som f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringstagarna har r\u00e4tt till. Ber\u00e4kningen baser<span class=\"__11 _617\"/>as p\u00e5 ant<span class=\"__11 _617\"/>aganden om mark-<span class=\"__11 _624\"> </span>nadsm\u00e4ssiga diskont<span class=\"__11 _617\"/>eringsr\u00e4n<span class=\"__11 _617\"/>tor liksom om kos<span class=\"__11 _617\"/>tnader och livf\u00f6rs\u00e4kringsrisk. Diskonteringsr<span class=\"__11 _617\"/>\u00e4nt<span class=\"__11 _617\"/>an \u00e4r baserad p\u00e5 skulder-<span class=\"__11 _624\"> </span>nas aktuella l\u00f6p<span class=\"__11 _617\"/>tid.<span class=\"__11 _624\"> </span>I Norge ber\u00e4knas a<span class=\"__11 _617\"/>vs\u00e4ttningarna f<span class=\"__11 _617\"/>\u00f6r tr<span class=\"__11 _617\"/>aditionell livf\u00f6rs\u00e4k-<span class=\"__11 _624\"> </span>ring i huvudsak enligt en prospektiv met<span class=\"__11 _617\"/>od. Den diskon<span class=\"__11 _617\"/>te-<span class=\"__11 _624\"> </span>ringsr\u00e4n<span class=\"__11 _617\"/>ta som anv\u00e4nds mo<span class=\"__11 _617\"/>tsvar<span class=\"__11 _617\"/>ar den ursprungliga r\u00e4ntan juster<span class=\"__11 _617\"/>ad med h\u00e4nsyn till antaganden om kos<span class=\"__11 _617\"/>tnader och risk. I Sverige delas de k<span class=\"__11 _617\"/>ombinerade l\u00e5ngsik<span class=\"__11 _617\"/>tiga pensions- och f\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtalen in i enskilda kortsik<span class=\"__11 _617\"/>tiga f\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal och l\u00e5ngsiktiga \ufb01nansiella a<span class=\"__11 _617\"/>vtal med gar<span class=\"__11 _617\"/>antier och/<span class=\"__11 _617\"/>eller en diskretion\u00e4r del (se f<span class=\"__11 _617\"/>\u00f6ljande avsnitt).<span class=\"__11 _624\"> </span>Redovisningsprinciperna f<span class=\"__11 _617\"/>\u00f6r varje f<span class=\"__11 _617\"/>\u00f6ret<span class=\"__11 _617\"/>ag grundar sig p\u00e5 den lokala verksamhetens s<span class=\"__11 _617\"/>truktur och \u00e4r kopplade till s<span class=\"__11 _617\"/>ol-<span class=\"__11 _624\"> </span>vensreglerna och na<span class=\"__11 _617\"/>tionella best\u00e4mmelser a<span class=\"__11 _617\"/>vseende vins<span class=\"__11 _617\"/>tdel-<span class=\"__11 _624\"> </span>ning och andra kra<span class=\"__11 _617\"/>v a<span class=\"__11 _617\"/>vseende f<span class=\"__11 _617\"/>ond f<span class=\"__11 _617\"/>\u00f6r kollektivt utf<span class=\"__11 _617\"/>\u00f6rdelad bonus (of<span class=\"__11 _617\"/>\u00f6rdelade a<span class=\"__11 _617\"/>vs\u00e4ttningar som sky<span class=\"__11 _617\"/>ddar f\u00f6rs\u00e4kringstagarna).  Fondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal omf<span class=\"__11 _617\"/>attar f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringstekniska a<span class=\"__11 _625\"/>vs\u00e4tt-<span class=\"__11 _624\"> </span>ningar h\u00e4nf<span class=\"__11 _617\"/>\u00f6rliga till fondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringar som har teckna<span class=\"__11 _617\"/>ts antingen med eller utan ut<span class=\"__11 _617\"/>delningsgaran<span class=\"__11 _617\"/>ti. Fondf<span class=\"__11 _617\"/>\u00f6rs\u00e4krings-<span class=\"__11 _624\"> </span>avtal s<span class=\"__11 _617\"/>om klassi\ufb01ceras som f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal inneh\u00e5ller samma f\u00f6rs\u00e4kringsrela<span class=\"__11 _617\"/>terade risk<span class=\"__11 _617\"/>element som tr<span class=\"__11 _617\"/>aditionella<span class=\"__11 _624\"> </span>f\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal. Dessa a<span class=\"__11 _617\"/>vtal redovisas och v<span class=\"__11 _617\"/>\u00e4rderas huvud-<span class=\"__11 _624\"> </span>sakligen till verkligt v\u00e4r<span class=\"__11 _617\"/>de baserat p\u00e5: \u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">det verkliga v\u00e4r<span class=\"__11 _617\"/>det p\u00e5 tillg\u00e5ngar h\u00e4nf<span class=\"__11 _617\"/>\u00f6rliga till f<span class=\"__11 _617\"/>ond<span class=\"ws3_10\">-<span class=\"__11 _624\"> </span></span></span>f\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtalen, och<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">det ber\u00e4knade nuv\u00e4r<span class=\"__11 _617\"/>det av f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsrisken, som f<span class=\"__11 _617\"/>ramr\u00e4k<span class=\"__11 _617\"/><span class=\"ws3_10\">-<span class=\"__11 _624\"> </span></span></span>nas p\u00e5 samma s\u00e4tt som f<span class=\"__11 _617\"/>\u00f6r traditionella f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavt<span class=\"__11 _617\"/>al med beaktande a<span class=\"__11 _617\"/><span class=\"__11 _624\">v eff</span><span class=\"__11 _617\"/>ek<span class=\"__11 _617\"/>ten p\u00e5 varje riskelemen<span class=\"__11 _617\"/>t som ing\u00e5r i kassafl\u00f6det.<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vs\u00e4ttningar a<span class=\"__11 _625\"/>vseende sjuk- och olycksf<span class=\"__11 _617\"/>allsf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringar omf<span class=\"__11 _617\"/>attar premier<span class=\"__11 _617\"/>eserver och utes<span class=\"__11 _617\"/>t\u00e5ende ers\u00e4ttningskra<span class=\"__11 _617\"/>v<span class=\"__11 _625\"/>. Denna post redo<span class=\"__11 _617\"/>visas och v\u00e4rder<span class=\"__11 _617\"/>as p\u00e5 upplupen basis, enligt samma princip som f\u00f6r skade<span class=\"__11 _617\"/>f\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal. Finansiella avt<span class=\"__11 _617\"/>al<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vtal som klassi\ufb01c<span class=\"__11 _617\"/>eras som \ufb01nansiella a<span class=\"__11 _617\"/>vtal \u00e4r a<span class=\"__11 _617\"/>vtal med f<span class=\"__11 _617\"/>\u00f6r-<span class=\"__11 _624\"> </span>s\u00e4kringstagare som in<span class=\"__11 _617\"/>te medf<span class=\"__11 _617\"/>\u00f6r tillr\u00e4cklig f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsrisk f<span class=\"__11 _617\"/>\u00f6r att klassi\ufb01cer<span class=\"__11 _617\"/>as som f\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal och som inneh\u00e5ller en garan<span class=\"__11 _617\"/>ti eller en diskretion\u00e4r del.<span class=\"__11 _624\"> </span>Finansiella avtal med diskr<span class=\"__11 _617\"/>etion\u00e4r del redovisas, i enlighet med IFRS 4, som f\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal med till\u00e4mpning a<span class=\"__11 _617\"/>v natio-<span class=\"__11 _624\"> </span>nella redovisningsprinciper<span class=\"__11 _625\"/>. Finansiella avtal ut<span class=\"__11 _617\"/>an diskretion\u00e4r del redo<span class=\"__11 _617\"/>visas och v\u00e4rde-<span class=\"__11 _624\"> </span>ras till verkligt v<span class=\"__11 _617\"/>\u00e4rde i enlighet med IFRS 9 \u201dFinansiella instru-<span class=\"__11 _624\"> </span>ment: Redovisning och v<span class=\"__11 _617\"/>\u00e4rdering\u201d<span class=\"__11 _625\"/>, och motsvar<span class=\"__11 _617\"/>as a<span class=\"__11 _617\"/>v verkligt v\u00e4rde p\u00e5 tillg\u00e5ngarna h\u00e4n<span class=\"__11 _617\"/>f\u00f6rliga till de<span class=\"__11 _617\"/>ssa avt<span class=\"__11 _617\"/>al. Dessa till-<span class=\"__11 _624\"> </span>g\u00e5ngar klassi\ufb01ceras som tillh\u00f6r<span class=\"__11 _617\"/>ande kategorin \u201dF<span class=\"__11 _617\"/>r\u00e5n b\u00f6rjan v\u00e4rder<span class=\"__11 _617\"/>ade till verkligt v\u00e4r<span class=\"__11 _617\"/>de via resulta<span class=\"__11 _617\"/>tr\u00e4kningen\u201d f<span class=\"__11 _617\"/>\u00f6r att eli-<span class=\"__11 _624\"> </span>minera eller a<span class=\"__11 _617\"/>vsev\u00e4rt minska bris<span class=\"__11 _617\"/>tande \u00f6ver<span class=\"__11 _617\"/>ensst\u00e4mmelse i redovisningen. Detta beskrivs n\u00e4rmar<span class=\"__11 _617\"/>e i not K3.3 \u201dKlassi\ufb01ce-<span class=\"__11 _624\"> </span>ring och v\u00e4rdering\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>A<span class=\"__11 _625\"/>vtal med diskretion\u00e4r del (DPF)<span class=\"__11 _624\"> </span>Enligt vissa traditionella livf\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal och \ufb01nansiella avtal har f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringstagar<span class=\"__11 _617\"/>en r\u00e4tt till bety<span class=\"__11 _617\"/>dande f<span class=\"__11 _617\"/>\u00f6rm\u00e5ner ut\u00f6-<span class=\"__11 _624\"> </span>ver de garan<span class=\"__11 _617\"/>terade. Det \u00e4r Nor<span class=\"__11 _617\"/>dea som a<span class=\"__11 _617\"/>vg\u00f6r om dessa ytter-<span class=\"__11 _624\"> </span>ligare f<span class=\"__11 _617\"/>\u00f6rm\u00e5ner ska utbetalas som bonus. Dessa a<span class=\"__11 _617\"/>vtal med diskretion\u00e4r del, inklusive f<span class=\"__11 _617\"/>ond f\u00f6r k<span class=\"__11 _617\"/>ollektivt utf<span class=\"__11 _617\"/>\u00f6rdelad bonus, klassi\ufb01ceras som sk<span class=\"__11 _617\"/>ulder i balansr\u00e4kningen.<span class=\"__11 _624\"> </span>Fond f<span class=\"__11 _617\"/>\u00f6r kollek<span class=\"__11 _617\"/>tivt utf<span class=\"__11 _617\"/>\u00f6rdelad bonus omf<span class=\"__11 _617\"/>att<span class=\"__11 _617\"/>ar belopp som allokera<span class=\"__11 _617\"/>ts till men inte go<span class=\"__11 _617\"/>ttskrivits f\u00f6rs\u00e4krings<span class=\"__11 _617\"/>tagaren. I Fin-<span class=\"__11 _624\"> </span>land omf<span class=\"__11 _617\"/>attar f<span class=\"__11 _617\"/>onden f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringstagarens andel a<span class=\"__11 _617\"/>v sam<span class=\"__11 _617\"/>tliga orealiserade vins<span class=\"__11 _617\"/>ter p\u00e5 placerings<span class=\"__11 _617\"/>tillg\u00e5ngar och \u00e5terb\u00e4rings-<span class=\"__11 _624\"> </span>medel p\u00e5 betalda f\u00f6rs\u00e4kringar och fr<span class=\"__11 _617\"/>amtida pr<span class=\"__11 _617\"/>emier (skillna-<span class=\"__11 _624\"> </span>den mellan retroak<span class=\"__11 _617\"/>tiva och marknadsm\u00e4ssiga prospek<span class=\"__11 _617\"/>tiv<span class=\"__11 _617\"/>a v\u00e4rderingsprinciper f<span class=\"__11 _617\"/>\u00f6r f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal). I Nor<span class=\"__11 _617\"/>ge omf<span class=\"__11 _617\"/>attar den f\u00f6rs\u00e4kringstagar<span class=\"__11 _617\"/>ens andel a<span class=\"__11 _617\"/>v b\u00e5de samtliga orealis<span class=\"__11 _617\"/>erade vinster p\u00e5 placerings<span class=\"__11 _617\"/>tillg\u00e5ngar och ytterligare lags<span class=\"__11 _617\"/>tadgade reserver<span class=\"__11 _625\"/>. I Sverige \u00e4r huvudprincipen f\u00f6r v<span class=\"__11 _617\"/>\u00e4rdering verkligt v\u00e4rde (f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavt<span class=\"__11 _617\"/>al). F\u00f6rs\u00e4kringst<span class=\"__11 _617\"/>agarens andel a<span class=\"__11 _617\"/>v b\u00e5de realiserade och or<span class=\"__11 _617\"/>ealiserade vins<span class=\"__11 _617\"/>ter upptas d\u00e4rf<span class=\"__11 _617\"/>\u00f6r i balans-<span class=\"__11 _624\"> </span>r\u00e4kningen som an<span class=\"__11 _617\"/>tingen \u201dF\u00f6r<span class=\"__11 _617\"/>\u00e4ndring a<span class=\"__11 _617\"/>v f\u00f6rs\u00e4kringst<span class=\"__11 _617\"/>ekniska avs\u00e4<span class=\"__11 _617\"/>ttningar<span class=\"__11 _625\"/>, liv<span class=\"__11 _626\"/>f\u00f6rs\u00e4kring\u201d och/<span class=\"__11 _617\"/>eller \u201dF<span class=\"__11 _617\"/>\u00f6r\u00e4ndring a<span class=\"__11 _617\"/>v \u00e5t<span class=\"__11 _617\"/>erb\u00e4-<span class=\"__11 _624\"> </span>ringsmedel, livf\u00f6rs\u00e4kring\u201d som redovisas i not K2.4 \u201d<span class=\"__11 _617\"/>S<span class=\"__11 _617\"/>um<span class=\"__11 _617\"/>m<span class=\"__11 _617\"/>a nettoresult<span class=\"__11 _617\"/>at a<span class=\"__11 _617\"/>v poster till v<span class=\"__11 _617\"/>erkligt v\u00e4rde\u201d<span class=\"__11 _625\"/>, b<span class=\"__11 _626\"/>e<span class=\"__11 _626\"/>ro<span class=\"__11 _626\"/>en<span class=\"__11 _626\"/>d<span class=\"__11 _626\"/>e <span class=\"__11 _626\"/>p<span class=\"__11 _626\"/>\u00e5 <span class=\"__11 _626\"/>o<span class=\"__11 _626\"/>m <span class=\"__11 _626\"/>p<span class=\"__11 _626\"/>la<span class=\"__11 _626\"/><span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ceringsresult<span class=\"__11 _617\"/>atet alloker<span class=\"__11 _617\"/>as eller int<span class=\"__11 _617\"/>e. B\u00e5da dessa ing\u00e5r i balansposten \u201dSkul<span class=\"__11 _617\"/>der till f\u00f6rs\u00e4kringstagar<span class=\"__11 _617\"/>e\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Pr\u00f6vning a<span class=\"__11 _617\"/>v f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsskuld<span class=\"__11 _624\"> </span>Vid varje rapporteringsda<span class=\"__11 _617\"/>tum g\u00f6rs en pr\u00f6vning f<span class=\"__11 _617\"/>\u00f6r att s\u00e4ker-<span class=\"__11 _624\"> </span>st\u00e4lla att f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vs\u00e4ttningarna \u00e4r tillr\u00e4ckliga. Vid pr<span class=\"__11 _617\"/>\u00f6v-<span class=\"__11 _624\"> </span>ningen s\u00e4kerst\u00e4lls att sk<span class=\"__11 _617\"/>uldernas redovisade v<span class=\"__11 _617\"/>\u00e4rde \u00e4r h\u00f6gre \u00e4n den b\u00e4sta uppskattningen a<span class=\"__11 _625\"/>v framtida kassafl\u00f6de disk<span class=\"__11 _617\"/>on-<span class=\"__11 _624\"> </span>tera<span class=\"__11 _617\"/>t med aktuell r<span class=\"__11 _617\"/>\u00e4nta. Vid beho<span class=\"__11 _617\"/>v g\u00f6rs ytterligare a<span class=\"__11 _617\"/>vs\u00e4ttning-<span class=\"__11 _624\"> </span>ar som redovisas i r<span class=\"__11 _617\"/>esultatr<span class=\"__11 _617\"/>\u00e4kningen<span class=\"__11 _624\"> </span>K5.<span class=\"__11 _625\"/>1  Immateriella tillg\u00e5ngar<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>Immateriella tillg\u00e5ngar \u00e4r iden<span class=\"__11 _617\"/>ti\ufb01erbara, icke-monet<span class=\"__11 _617\"/>\u00e4ra till-<span class=\"__11 _624\"> </span><span class=\"__11 _624\">g\u00e5ngar som saknar fysisk beskaff</span><span class=\"__11 _617\"/>enhet. Tillg\u00e5ngarna s<span class=\"__11 _617\"/>t\u00e5r under Nordeas kon<span class=\"__11 _617\"/>troll, vilket inneb\u00e4r att Nor<span class=\"__11 _617\"/>dea har m\u00f6jlighet och r\u00e4tt a<span class=\"__11 _617\"/>tt erh\u00e5lla de fram<span class=\"__11 _617\"/>tida ekonomiska f<span class=\"__11 _617\"/>\u00f6rdelarna h\u00e4n<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>\u00f6r-<span class=\"__11 _624\"> </span>liga till den underliggande tillg\u00e5ngen. Nordeas immateriella tillg\u00e5ngar utg\u00f6rs fr\u00e4ms<span class=\"__11 _617\"/>t av goodwill, IT<span class=\"__11 _625\"/>-utvecklingsprojek<span class=\"__11 _617\"/>t/pro-<span class=\"__11 _624\"> </span>gramv<span class=\"__11 _617\"/>aror och kundr<span class=\"__11 _617\"/>elater<span class=\"__11 _617\"/>ade immateriella tillg\u00e5ngar<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Goodwill<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Goodwill utg\u00f6r skillnaden mellan anskaffningsv</span><span class=\"__11 _617\"/>\u00e4rdet och det verkliga v\u00e4r<span class=\"__11 _617\"/>det p\u00e5 <span class=\"ws7_10\">Nordea</span>s andel a<span class=\"__11 _617\"/>v identi\ufb01erbar<span class=\"__11 _617\"/>a nettotillg\u00e5ng<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ar i f\u00f6rv\u00e4rvade konc<span class=\"__11 _617\"/>ernf<span class=\"__11 _617\"/>\u00f6retag/in<span class=\"__11 _617\"/>tressef<span class=\"__11 _617\"/>\u00f6ret<span class=\"__11 _617\"/>ag/joint ven<span class=\"__11 _617\"/>tures vid f\u00f6rv\u00e4rvstidpunk<span class=\"__11 _617\"/>ten. Goodwill som uppkommit vid f<span class=\"__11 _617\"/>\u00f6rv\u00e4rv av koncern<span class=\"__11 _617\"/>f\u00f6r<span class=\"__11 _617\"/>etag redovisas som \u201dImma<span class=\"__11 _617\"/>teriella tillg\u00e5ngar<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>. Good<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>will som uppkommit vid f<span class=\"__11 _617\"/>\u00f6rv\u00e4rv av in<span class=\"__11 _617\"/>tressef<span class=\"__11 _617\"/>\u00f6retag och join<span class=\"__11 _617\"/>t ven<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>tures redo<span class=\"__11 _617\"/>visas inte som en s<span class=\"__11 _617\"/>eparat tillg\u00e5ng ut<span class=\"__11 _617\"/>an som \u201d<span class=\"__11 _625\"/>Ak<span class=\"__11 _617\"/>tier och andelar i intre<span class=\"__11 _617\"/>ssef\u00f6r<span class=\"__11 _617\"/>etag och joint v<span class=\"__11 _617\"/>entur<span class=\"__11 _617\"/>es\u201d<span class=\"__11 _625\"/>. Goodwill pr\u00f6vas \u00e5rligen f\u00f6r ev<span class=\"__11 _617\"/>entuell<span class=\"__11 _617\"/>t nedskrivningsbehov<span class=\"__11 _625\"/>, eller oftare om h\u00e4n<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>delser eller \u00e4ndrade f<span class=\"__11 _617\"/>\u00f6ruts\u00e4ttningar ty<span class=\"__11 _617\"/>der p\u00e5 att nedskrivnings<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>behov \ufb01nns. Goodwill redovisas till ansk<span class=\"__11 _617\"/><span class=\"__11 _624\">affningsv</span><span class=\"__11 _617\"/>\u00e4rde minskat med ackumulerade nedskrivningar<span class=\"__11 _625\"/>. Nedskrivning av goodwill kan inte \u00e5<span class=\"__11 _617\"/>terf\u00f6r<span class=\"__11 _617\"/>as i senare perioder<span class=\"__11 _625\"/>. Goodwill h\u00e4nf\u00f6rlig till in<span class=\"__11 _617\"/>tres<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>sef\u00f6r<span class=\"__11 _617\"/>etag och joint v<span class=\"__11 _617\"/>entur<span class=\"__11 _617\"/>es pr\u00f6v<span class=\"__11 _617\"/>as int<span class=\"__11 _617\"/>e separat f<span class=\"__11 _617\"/>\u00f6r nedskriv<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ningsbehov utan inkluder<span class=\"__11 _617\"/>as i det redovisade v<span class=\"__11 _617\"/>\u00e4rdet p\u00e5 intr<span class=\"__11 _617\"/>esse<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>f\u00f6r<span class=\"__11 _617\"/>etaget och joint v<span class=\"__11 _617\"/>enture-f<span class=\"__11 _617\"/>\u00f6retaget. Principerna f\u00f6r nedskriv<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ningspr\u00f6vning a<span class=\"__11 _617\"/>v in<span class=\"__11 _617\"/>tressef<span class=\"__11 _617\"/>\u00f6retag och join<span class=\"__11 _617\"/>t ven<span class=\"__11 _617\"/>tures beskrivs i not K9.3 \u201d<span class=\"__11 _625\"/>Ak<span class=\"__11 _617\"/>tier och andelar i intr<span class=\"__11 _617\"/>essef<span class=\"__11 _617\"/>\u00f6retag och join<span class=\"__11 _617\"/>t ven<span class=\"__11 _617\"/>tures\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>IT<span class=\"__11 _625\"/>-utvecklingsprojek<span class=\"__11 _617\"/>t/progr<span class=\"__11 _617\"/>amvar<span class=\"__11 _617\"/>or<span class=\"__11 _624\"> </span>Kostnader h\u00e4n<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>\u00f6rliga till underh\u00e5ll av pr<span class=\"__11 _617\"/>ogramv<span class=\"__11 _617\"/>aror kos<span class=\"__11 _617\"/>tnads-<span class=\"__11 _624\"> </span>f\u00f6rs l\u00f6pande. Utgifter dir<span class=\"__11 _617\"/>ekt h\u00e4n<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>\u00f6rbara till st<span class=\"__11 _617\"/>\u00f6rre inv<span class=\"__11 _617\"/>esteringar i utveckling a<span class=\"__11 _617\"/>v program<span class=\"__11 _617\"/>vara r<span class=\"__11 _617\"/>edovisas som imma<span class=\"__11 _617\"/>teriella till-<span class=\"__11 _624\"> </span>g\u00e5ngar om de f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tas generer<span class=\"__11 _617\"/>a fram<span class=\"__11 _617\"/>tida ekonomiska f<span class=\"__11 _617\"/>\u00f6rde-<span class=\"__11 _624\"> </span>lar<span class=\"__11 _617\"/>. Dessa ut<span class=\"__11 _617\"/>gifter omf<span class=\"__11 _617\"/>attar personalk<span class=\"__11 _617\"/>ostnader f<span class=\"__11 _617\"/>\u00f6r programut-<span class=\"__11 _624\"> </span>veckling och indirek<span class=\"__11 _617\"/>ta kos<span class=\"__11 _617\"/>tnader f\u00f6r a<span class=\"__11 _617\"/>tt f\u00e4r<span class=\"__11 _617\"/>digst\u00e4lla tillg\u00e5ngen f\u00f6r a<span class=\"__11 _617\"/>vsedd an<span class=\"__11 _617\"/>v\u00e4ndning. Progr<span class=\"__11 _617\"/>amkostnader om<span class=\"__11 _617\"/>fa<span class=\"__11 _617\"/>ttar ocks\u00e5 f<span class=\"__11 _617\"/>\u00f6r-<span class=\"__11 _624\"> </span>v\u00e4rvade progr<span class=\"__11 _617\"/>amlicenser som in<span class=\"__11 _617\"/>te \u00e4r h\u00e4nf<span class=\"__11 _617\"/>\u00f6rliga till funk<span class=\"__11 _617\"/>tionen hos en materiell tillg\u00e5ng.<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vskrivningen ber\u00e4knas linj\u00e4rt \u00f6v<span class=\"__11 _617\"/>er program<span class=\"__11 _617\"/>var<span class=\"__11 _617\"/>ans nyttjan-<span class=\"__11 _624\"> </span>deperiod, som vanligen \u00e4r 3 till 5 \u00e5r<span class=\"__11 _625\"/>, och i vissa fall f\u00f6r s<span class=\"__11 _617\"/>tra<span class=\"__11 _617\"/>te-<span class=\"__11 _624\"> </span>gisk infr<span class=\"__11 _617\"/>astruk<span class=\"__11 _617\"/>tur upp till maximalt 10 \u00e5r<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Kundrela<span class=\"__11 _617\"/>terade imma<span class=\"__11 _617\"/>teriella tillg\u00e5ngar<span class=\"__11 _624\"> </span>I samband med r\u00f6relsef<span class=\"__11 _617\"/>\u00f6rv\u00e4rv allokeras normalt s<span class=\"__11 _617\"/>ett en del av k\u00f6peskillingen till kundr<span class=\"__11 _617\"/>elater<span class=\"__11 _617\"/>ade immateriella tillg\u00e5ngar<span class=\"__11 _625\"/>, under f\u00f6ruts\u00e4<span class=\"__11 _617\"/>ttning att tillg\u00e5ngen \u00e4r iden<span class=\"__11 _617\"/>ti\ufb01erbar och under Nordeas kon<span class=\"__11 _617\"/>troll. En immateriell tillg\u00e5ng \u00e4r iden<span class=\"__11 _617\"/>ti\ufb01erbar om den uppst\u00e5r till f<span class=\"__11 _617\"/>\u00f6ljd a<span class=\"__11 _617\"/>v avt<span class=\"__11 _617\"/>alsm\u00e4ssiga eller lagliga r\u00e4ttighet<span class=\"__11 _617\"/>er<span class=\"__11 _617\"/>, eller om den kan separeras f<span class=\"__11 _617\"/>r\u00e5n f<span class=\"__11 _617\"/>\u00f6retaget och s\u00e4ljas, \u00f6<span class=\"__11 _617\"/>verf\u00f6r<span class=\"__11 _617\"/>as, licensieras, uthyr<span class=\"__11 _617\"/>as eller bytas. <span class=\"__11 _625\"/>Tillg\u00e5ngen skrivs av \u00f6ver n<span class=\"__11 _617\"/>ytt-<span class=\"__11 _624\"> </span>jandeperioden, som vanligen \u00e4r mer \u00e4n 10 \u00e5r<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Nedskrivning Goodwill och IT<span class=\"__11 _625\"/>-utvecklingsprojekt s<span class=\"__11 _617\"/>om \u00e4nnu inte t<span class=\"__11 _617\"/>agits i bruk skrivs inte a<span class=\"__11 _617\"/>v<span class=\"__11 _625\"/>, men pr\u00f6vas \u00e5rligen med a<span class=\"__11 _617\"/>vseende p\u00e5 ev<span class=\"__11 _617\"/>entuell<span class=\"__11 _617\"/>t nedskrivningsbehov<span class=\"__11 _625\"/>. Pr\u00f6vningen g\u00f6rs oftare om n\u00e5got ty<span class=\"__11 _617\"/>der p\u00e5 att ett nedskrivningsbehov f<span class=\"__11 _617\"/>\u00f6religger<span class=\"__11 _625\"/>. \u00c4<span class=\"__11 _625\"/>ven f\u00f6r immateriella tillg\u00e5ngar som tagits i bruk och skrivs a<span class=\"__11 _617\"/>v<span class=\"__11 _625\"/>, g\u00f6r<span class=\"__11 _626\"/>s en bed\u00f6mning med avseende p\u00e5 indik<span class=\"__11 _617\"/>ationer p\u00e5 nedskrivningsbehov<span class=\"__11 _625\"/>. Om s\u00e5dana indikationer \ufb01nns, pr\u00f6<span class=\"__11 _617\"/>vas nedskrivningsbehov<span class=\"__11 _617\"/>et f\u00f6r till<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>g\u00e5ngen. Nedskrivningskostnaden ber<span class=\"__11 _617\"/>\u00e4knas som skillnaden mellan redovisa<span class=\"__11 _617\"/>t v\u00e4rde och \u00e5<span class=\"__11 _617\"/>tervinningsv\u00e4rde. \u00c5tervinningsv\u00e4rdet \u00e4r det h\u00f6gre a<span class=\"__11 _617\"/>v verkligt v<span class=\"__11 _617\"/>\u00e4rde efter av<span class=\"__11 _617\"/>drag f<span class=\"__11 _617\"/>\u00f6r f<span class=\"__11 _617\"/>\u00f6rs\u00e4ljningskostnader och nyttjandev<span class=\"__11 _617\"/>\u00e4rdet f<span class=\"__11 _617\"/>\u00f6r till<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>g\u00e5ngen eller den kassagenererande enhet<span class=\"__11 _617\"/>en. Kassagenerer<span class=\"__11 _617\"/>an<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>de enhet de\ufb01nieras som den minst<span class=\"__11 _617\"/>a identi\ufb01erbar<span class=\"__11 _617\"/>a grupp av till<span class=\"__11 _617\"/><span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>g\u00e5ngar som ger upphov till kassafl\u00f6den s<span class=\"__11 _617\"/>om i allt v\u00e4sen<span class=\"__11 _617\"/>tligt \u00e4r oberoende a<span class=\"__11 _617\"/>v andra tillg\u00e5ngar<span class=\"__11 _625\"/>. F\u00f6r goodwill och IT<span class=\"__11 _625\"/>-utvecklings<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>projekt s<span class=\"__11 _617\"/>om \u00e4nnu inte t<span class=\"__11 _617\"/>agits i bruk, motsvaras de kassagener<span class=\"__11 _617\"/>e<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>rande enheterna a<span class=\"__11 _617\"/>v r\u00f6r<span class=\"__11 _617\"/>elsesegmen<span class=\"__11 _617\"/>ten. Nyttjandev\u00e4r<span class=\"__11 _617\"/>det \u00e4r nuv\u00e4rdet a<span class=\"__11 _617\"/>v de kassafl\u00f6den s<span class=\"__11 _617\"/>om tillg\u00e5ngen eller den kassage<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>nererande enheten f<span class=\"__11 _617\"/>\u00f6rv\u00e4n<span class=\"__11 _617\"/>tas ge upphov til<span class=\"__11 _624\"> </span>l. K5.2 <span class=\"__11 _642\"> </span>Mat<span class=\"__11 _617\"/>eriella tillg\u00e5ngar<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>Post<span class=\"__11 _617\"/>en \u201dMateriella tillg\u00e5ngar\u201d innefattar f<span class=\"__11 _617\"/>astigheter f<span class=\"__11 _617\"/>\u00f6r egen<span class=\"__11 _624\"> </span> anv\u00e4ndning, f<span class=\"__11 _617\"/>\u00f6rb\u00e4ttringsut<span class=\"__11 _617\"/>gifter p\u00e5 annans fas<span class=\"__11 _617\"/>tighet, IT<span class=\"__11 _625\"/>-utrust-<span class=\"__11 _624\"> </span>ning, m\u00f6bler och annan utrustning. <span class=\"__11 _617\"/>\u00c4<span class=\"__11 _617\"/>ven n<span class=\"__11 _617\"/>yttjander\u00e4<span class=\"__11 _617\"/>tter enligt<span class=\"__11 _624\"> </span> leasingavt<span class=\"__11 _617\"/>al ing\u00e5r h\u00e4r (f\u00f6r mer in<span class=\"__11 _617\"/>forma<span class=\"__11 _617\"/>tion se not K5.4 \u201dL<span class=\"__11 _617\"/>ea-<span class=\"__11 _624\"> </span>sing\u201d). Materiella tillg\u00e5ngar redo<span class=\"__11 _617\"/><span class=\"__11 _624\">visas till anskaffningsv</span><span class=\"__11 _617\"/>\u00e4rde<span class=\"__11 _624\"> </span> minskat med ackumuler<span class=\"__11 _617\"/>ade a<span class=\"__11 _617\"/>v- och nedskrivningar<span class=\"__11 _625\"/><span class=\"__11 _624\">. Anskaff-<span class=\"__11 _624\"> </span></span>ningsv\u00e4rdet f<span class=\"__11 _617\"/>\u00f6r en mat<span class=\"__11 _617\"/>eriell tillg\u00e5ng utg\u00f6rs av dess ink<span class=\"__11 _617\"/>\u00f6pspris<span class=\"__11 _624\"> </span> samt ev<span class=\"__11 _617\"/>entuella kos<span class=\"__11 _617\"/>tnader direk<span class=\"__11 _617\"/>t h\u00e4nf<span class=\"__11 _617\"/>\u00f6rliga till att s\u00e4<span class=\"__11 _617\"/>tta till-<span class=\"__11 _624\"> </span>g\u00e5ngen i brukbart skick f\u00f6r a<span class=\"__11 _617\"/>vsedd anv\u00e4ndning. Delar a<span class=\"__11 _625\"/>v en<span class=\"__11 _624\"> </span> materiell tillg\u00e5ng redo<span class=\"__11 _617\"/>visas som separa<span class=\"__11 _617\"/>ta post<span class=\"__11 _617\"/>er om de har<span class=\"__11 _624\"> </span> olika nyttjandeperiod.<span class=\"__11 _624\"> </span>F\u00f6rb\u00e4<span class=\"__11 _617\"/>ttringsutgifter redo<span class=\"__11 _617\"/>visas som tillg\u00e5ngar om de inneb\u00e4r<span class=\"__11 _624\"> </span> en f\u00f6rb\u00e4<span class=\"__11 _617\"/>ttrad funk<span class=\"__11 _617\"/>tion hos tillg\u00e5ngen, medan utgifter f<span class=\"__11 _617\"/>\u00f6r<span class=\"__11 _624\"> </span> underh\u00e5ll inte f<span class=\"__11 _617\"/>\u00f6rb\u00e4ttr<span class=\"__11 _617\"/>ar tillg\u00e5ngens funk<span class=\"__11 _617\"/>tion och d\u00e4rmed kost-<span class=\"__11 _624\"> </span>nadsf\u00f6rs l\u00f6pande.<span class=\"__11 _624\"> </span>Materiella tillg\u00e5ngar skrivs a<span class=\"__11 _617\"/>v linj\u00e4rt \u00f6ver den ber<span class=\"__11 _617\"/>\u00e4knade<span class=\"__11 _624\"> </span> nyttjandeperioden enligt nedan. Den ber\u00e4knade n<span class=\"__11 _617\"/>yttjandepe-<span class=\"__11 _624\"> </span>rioden f\u00f6r olika ma<span class=\"__11 _617\"/>teriella tillg\u00e5ngar uppdat<span class=\"__11 _617\"/>eras \u00e5rligen.<span class=\"__11 _624\"> </span>Byggnader <span class=\"__11 _8a_3\"> </span>30\u201375 \u00e5r<span class=\"__11 _624\"> </span>Inven<span class=\"__11 _617\"/>tarier <span class=\"__11 _6a_3\"> </span>3\u20135 \u00e5r<span class=\"__11 _624\"> </span>F\u00f6rb\u00e4<span class=\"__11 _617\"/>ttrings  -<span class=\"ws3_10\"> </span> utgifter <span class=\"__11 _ea_4\"> </span>p\u00e5 <span class=\"__11 _ea_4\"> </span><span class=\"ws3_10\"> </span>annans fas<span class=\"__11 _617\"/>tighet  <span class=\"__11 _a_10\"> </span> <span class=\"__11 _eb_3\"/>F\u00f6r f<span class=\"__11 _617\"/>\u00f6r\u00e4ndringar inom b<span class=\"__11 _617\"/>yggnader<span class=\"__11 _625\"/>, det kor-<span class=\"__11 _624\"> </span>tare a<span class=\"__11 _617\"/>v 10 \u00e5r och \u00e5terst<span class=\"__11 _617\"/>\u00e5ende hyresperiod.<span class=\"__11 _624\"> </span> F\u00f6r n<span class=\"__11 _617\"/>ybyggna<span class=\"__11 _617\"/>tion, det kortare a<span class=\"__11 _617\"/>v redovis-<span class=\"__11 _624\"> </span>ningsprinciperna f\u00f6r \u00e4gda b<span class=\"__11 _617\"/>yggnader och<span class=\"__11 _624\"> </span> \u00e5terst\u00e5ende h<span class=\"__11 _617\"/>yresperiod. F<span class=\"__11 _617\"/>\u00f6r fas<span class=\"__11 _617\"/>t inredning i<span class=\"__11 _624\"> </span> hyrda f<span class=\"__11 _617\"/>astigheter g\u00e4ller det k<span class=\"__11 _617\"/>ortare a<span class=\"__11 _617\"/>v<span class=\"__11 _624\"> </span> 10\u201320 \u00e5r och \u00e5<span class=\"__11 _617\"/>terst\u00e5ende hyr<span class=\"__11 _617\"/>esperiod<span class=\"__11 _624\"> </span>V<span class=\"__11 _625\"/>arje balansdag pr\u00f6var Nordea om det \ufb01nns indika<span class=\"__11 _617\"/>tioner p\u00e5<span class=\"__11 _624\"> </span> nedskrivningsbehov f<span class=\"__11 _617\"/>\u00f6r en materiell tillg\u00e5ng. Om s\u00e5dana indi-<span class=\"__11 _624\"> </span>kationer \ufb01nns g\u00f6rs en bed\u00f6mning a<span class=\"__11 _617\"/>v tillg\u00e5ngens \u00e5tervin-<span class=\"__11 _624\"> </span>ningsv\u00e4rde och ev<span class=\"__11 _617\"/>entuell nedskrivning g\u00f6rs.<span class=\"__11 _624\"> </span>Nedskrivningar \u00e5terf<span class=\"__11 _617\"/>\u00f6rs om \u00e5tervinningsv\u00e4rdet \u00f6kar<span class=\"__11 _625\"/>. Det<span class=\"__11 _624\"> </span> redovisade v<span class=\"__11 _617\"/>\u00e4rdet \u00f6kas d\u00e5 till \u00e5t<span class=\"__11 _617\"/>ervinningsv\u00e4rdet, men kan<span class=\"__11 _624\"> </span> inte \u00f6<span class=\"__11 _617\"/>verstiga vad det r<span class=\"__11 _617\"/>edovisade v<span class=\"__11 _617\"/>\u00e4rdet varit om en nedskriv<span class=\"ws3_10\">-<span class=\"__11 _624\"> </span></span>ning inte r<span class=\"__11 _617\"/>edovisats i f<span class=\"__11 _617\"/>\u00f6rsta l\u00e4get.<span class=\"__11 _624\"> </span>K5.3 F<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _625\"/>astigheter<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>En f\u00f6rvaltningsf<span class=\"__11 _617\"/>astighet \u00e4r en f<span class=\"__11 _617\"/>astighet (mark ell<span class=\"__11 _617\"/>er byggnad \u2013 eller delar av b<span class=\"__11 _617\"/>yggnad \u2013 eller b\u00e5da) som innehas i syfte att generera h<span class=\"__11 _617\"/>yresinkoms<span class=\"__11 _617\"/>ter och/<span class=\"__11 _617\"/>eller v\u00e4r<span class=\"__11 _617\"/>destegring, och all<span class=\"__11 _617\"/>ts\u00e5 inte f<span class=\"__11 _617\"/>\u00f6r eget utnyttjande i den or<span class=\"__11 _617\"/>dinarie verksamheten. F\u00f6rvaltningsf<span class=\"__11 _617\"/>as<span class=\"__11 _617\"/>tigheter redovisas i balansr<span class=\"__11 _617\"/>\u00e4kningen n\u00e4r det \u00e4r sannolikt a<span class=\"__11 _617\"/>tt de fram<span class=\"__11 _617\"/>tida ekonomiska f<span class=\"__11 _617\"/>\u00f6rdelarna tillf<span class=\"__11 _617\"/>al-<span class=\"__11 _624\"> </span>ler Nordea och kostnaderna f<span class=\"__11 _617\"/>\u00f6r f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheten kan ber\u00e4knas p\u00e5 ett tillf<span class=\"__11 _617\"/>\u00f6rlitligt s\u00e4tt.<span class=\"__11 _624\"> </span>En f\u00f6rvaltningsf<span class=\"__11 _617\"/>astighet v<span class=\"__11 _617\"/>\u00e4rder<span class=\"__11 _617\"/>as vid f\u00f6rsta r<span class=\"__11 _617\"/>edovisnings-<span class=\"__11 _624\"> </span>tillf\u00e4llet till anska<span class=\"__11 _617\"/><span class=\"__11 _624\">ffningsv\u00e4r</span><span class=\"__11 _617\"/>det, inklusive transak<span class=\"__11 _617\"/>tionskostna<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>der<span class=\"__11 _625\"/><span class=\"__11 _624\">. Anskaffningsv\u00e4r</span><span class=\"__11 _617\"/>det f\u00f6r en f<span class=\"__11 _617\"/>\u00f6rv\u00e4rvad f<span class=\"__11 _617\"/>\u00f6rvaltningsfas<span class=\"__11 _617\"/>tighet utg\u00f6rs av k<span class=\"__11 _617\"/>\u00f6peskilling och kostnader dir<span class=\"__11 _617\"/>ekt h\u00e4n<span class=\"__11 _617\"/>f\u00f6rliga till k\u00f6pet. Exempel p\u00e5 kostnader dir<span class=\"__11 _617\"/>ekt h\u00e4n<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>\u00f6rliga till k\u00f6pet \u00e4r arvoden f\u00f6r juridiska tj\u00e4ns<span class=\"__11 _617\"/>ter<span class=\"__11 _625\"/>, st\u00e4mpelskatter och \u00f6vriga transak<span class=\"__11 _617\"/>tionskostnader<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Nordea anv<span class=\"__11 _617\"/>\u00e4nder verkligt v\u00e4r<span class=\"__11 _617\"/>de-modellen f\u00f6r v<span class=\"__11 _617\"/>\u00e4rdering a<span class=\"__11 _617\"/>v f\u00f6rvaltningsf<span class=\"__11 _617\"/>astighet<span class=\"__11 _617\"/>er<span class=\"__11 _625\"/>. B\u00e4sta beviset p\u00e5 verkligt v\u00e4r<span class=\"__11 _617\"/>de \u00e4r normalt noter<span class=\"__11 _617\"/>ade priser p\u00e5 en ak<span class=\"__11 _617\"/>tiv marknad f\u00f6r liknande fas<span class=\"__11 _617\"/>tigheter med samma l\u00e4ge och i samma skick. D\u00e5 noterade priser p\u00e5 en aktiv marknad o<span class=\"__11 _617\"/>ftast saknas, anv<span class=\"__11 _617\"/>\u00e4nds \u00e4<span class=\"__11 _617\"/>ven modeller baserade p\u00e5 diskon<span class=\"__11 _617\"/>ter<span class=\"__11 _617\"/>ade kassafl\u00f6desprognoser som bygger p\u00e5 tillf<span class=\"__11 _617\"/>\u00f6rlitliga uppskattningar a<span class=\"__11 _625\"/>v framtida kassa<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>fl\u00f6den. V<span class=\"__11 _617\"/>\u00e4rderingen till v<span class=\"__11 _617\"/>erkligt v\u00e4rde a<span class=\"__11 _617\"/>v f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astighe-<span class=\"__11 _624\"> </span>ter tar h\u00e4nsyn till en marknadsak<span class=\"__11 _617\"/>t\u00f6rs f\u00f6rm\u00e5ga a<span class=\"__11 _617\"/>tt generera ekonomiska f<span class=\"__11 _617\"/>\u00f6rdelar genom att an<span class=\"__11 _617\"/>v\u00e4nda f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astig-<span class=\"__11 _624\"> </span>heterna p\u00e5 det maximala och b\u00e4sta s\u00e4<span class=\"__11 _617\"/>ttet, det vill s\u00e4ga tar h\u00e4nsyn till den anv\u00e4ndning a<span class=\"__11 _617\"/>v f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheterna som \u00e4r fysiskt m\u00f6jlig, lagligen till\u00e5<span class=\"__11 _617\"/>ten och \ufb01nansiellt genom<span class=\"__11 _617\"/>f\u00f6rbar<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Driftsnetto, rea<span class=\"__11 _617\"/>vins<span class=\"__11 _617\"/>ter och reaf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter liksom just<span class=\"__11 _617\"/>eringar till verkligt v\u00e4r<span class=\"__11 _617\"/>de redovisas direk<span class=\"__11 _617\"/>t i re<span class=\"__11 _617\"/>sultatr<span class=\"__11 _617\"/>\u00e4kningen som \u201dNettoresult<span class=\"__11 _617\"/>at a<span class=\"__11 _617\"/>v poster till v<span class=\"__11 _617\"/>erkligt v\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>F\u00f6rvaltningsf<span class=\"__11 _617\"/>as<span class=\"__11 _617\"/>tigheter v\u00e4rder<span class=\"__11 _617\"/>as till verkligt v<span class=\"__11 _617\"/>\u00e4rde utifr<span class=\"__11 _617\"/>\u00e5n de tre niv\u00e5erna i IFRS-hier<span class=\"__11 _617\"/>arkin f\u00f6r v<span class=\"__11 _617\"/>erkligt v\u00e4rde. Hier<span class=\"__11 _617\"/>arkin ger h\u00f6gst prioritet till not<span class=\"__11 _617\"/>erade priser (<span class=\"__11 _617\"/>ojuster<span class=\"__11 _617\"/>ade) p\u00e5 ak<span class=\"__11 _617\"/>tiva marknader f\u00f6r iden<span class=\"__11 _617\"/>tiska f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheter (niv\u00e5 1) och l\u00e4gst prioritet till ej observerbar indat<span class=\"__11 _617\"/>a (niv\u00e5 3). Klassi\ufb01ce-<span class=\"__11 _624\"> </span>ringen av f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astighet<span class=\"__11 _617\"/>erna baseras p\u00e5 den l\u00e4gst<span class=\"__11 _617\"/>a niv\u00e5 indata s<span class=\"__11 _617\"/>om \u00e4r v\u00e4sen<span class=\"__11 _617\"/>tlig f\u00f6r v<span class=\"__11 _617\"/>erkligt v\u00e4rde-v<span class=\"__11 _617\"/>\u00e4rderingen i sin helhet.<span class=\"__11 _624\"> </span>F\u00f6r ytt<span class=\"__11 _617\"/>erligare inf<span class=\"__11 _617\"/>ormation om uppska<span class=\"__11 _617\"/>ttning a<span class=\"__11 _617\"/>v verkligt v\u00e4rde och v<span class=\"__11 _617\"/>erkligt v\u00e4rde-hier<span class=\"__11 _617\"/>arkin, se not K3.4 \u201dV<span class=\"__11 _625\"/>erkligt v\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>K5.4 Leasing<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>Ett leasingavt<span class=\"__11 _617\"/>al \u00e4r ett avtal s<span class=\"__11 _617\"/>om \u00f6verl\u00e5<span class=\"__11 _617\"/>ter r\u00e4<span class=\"__11 _617\"/>tten att under en viss tid best\u00e4mma \u00f6v<span class=\"__11 _617\"/>er anv\u00e4ndningen a<span class=\"__11 _625\"/>v en identi\ufb01erad till-<span class=\"__11 _624\"> </span>g\u00e5ng i utbyte mot ers\u00e4<span class=\"__11 _617\"/>ttning. Nordea som leasegivar<span class=\"__11 _617\"/>e<span class=\"__11 _624\"> </span>Finansiell leasing redovisas som en f<span class=\"__11 _617\"/>ordr<span class=\"__11 _617\"/>an p\u00e5 leasetagaren och ing\u00e5r i \u201dUtl\u00e5ning till allm\u00e4nheten\u201d (se not K3.<span class=\"__11 _617\"/>7 \u201dUtl\u00e5ning\u201d) med ett belopp som motsvar<span class=\"__11 _617\"/>ar nettoinv<span class=\"__11 _617\"/>esteringen enligt lea<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>singavtal<span class=\"__11 _617\"/>et. Leasingavgiften, e<span class=\"__11 _617\"/>xklusiv<span class=\"__11 _617\"/>e kostnad f<span class=\"__11 _617\"/>\u00f6r service, redovisas som \u00e5<span class=\"__11 _617\"/>terbetalning a<span class=\"__11 _617\"/>v f<span class=\"__11 _617\"/>ordran och som r<span class=\"__11 _617\"/>\u00e4nt<span class=\"__11 _617\"/>eint\u00e4k<span class=\"__11 _617\"/>t. Int\u00e4k<span class=\"__11 _617\"/>ten f<span class=\"__11 _617\"/>\u00f6rdelas s\u00e5 a<span class=\"__11 _617\"/>tt en j\u00e4mn f\u00f6rr<span class=\"__11 _617\"/>\u00e4ntning erh\u00e5lls p\u00e5 under varje period redo<span class=\"__11 _617\"/>visad nettoinve<span class=\"__11 _617\"/>stering. Nordea som leasetagar<span class=\"__11 _617\"/>e<span class=\"__11 _624\"> </span>N\u00e4r ett avtal ing\u00e5s g\u00f6r Nor<span class=\"__11 _617\"/>dea en bed\u00f6mning a<span class=\"__11 _617\"/>v om det \u00e4r eller inneh\u00e5ller ett leasingavt<span class=\"__11 _617\"/>al. R\u00e4tten att an<span class=\"__11 _617\"/>v\u00e4nda en tillg\u00e5ng i ett leasinga<span class=\"__11 _617\"/>vtal r<span class=\"__11 _617\"/>edovisas vid inledningsdatumet som en n<span class=\"__11 _617\"/>yttjander\u00e4tt och skyldighet<span class=\"__11 _617\"/>en att betala leasinga<span class=\"__11 _617\"/>vgifterna r<span class=\"__11 _617\"/>edovisas som en leasingsk<span class=\"__11 _617\"/>uld. Nyttjander\u00e4tt<span class=\"__11 _617\"/>en v\u00e4rder<span class=\"__11 _617\"/>as som nuv\u00e4rdet a<span class=\"__11 _617\"/>v leasinga<span class=\"__11 _617\"/>vgift<span class=\"__11 _617\"/>erna, plus initiala direk<span class=\"__11 _617\"/>ta kostnader och k<span class=\"__11 _617\"/>ostnader f<span class=\"__11 _617\"/>\u00f6r skyldigheten att underh\u00e5lla tillg\u00e5ngen minus even<span class=\"__11 _617\"/>tuella f<span class=\"__11 _617\"/>\u00f6rm\u00e5ner som mottagits i samband med leasinga<span class=\"__11 _617\"/>vtalet. Icke-leasingkompo-<span class=\"__11 _624\"> </span>nenter s\u00e4rskiljs. Som diskon<span class=\"__11 _617\"/>teringsr<span class=\"__11 _617\"/>\u00e4nta f<span class=\"__11 _617\"/>\u00f6r att ber<span class=\"__11 _617\"/>\u00e4kna lea-<span class=\"__11 _624\"> </span>singskulden f<span class=\"__11 _617\"/>\u00f6r varje a<span class=\"__11 _617\"/>vtal anv<span class=\"__11 _617\"/>\u00e4nds den marginella l\u00e5ner\u00e4n-<span class=\"__11 _624\"> </span>tan vid avt<span class=\"__11 _617\"/>alets inledningsdatum. F<span class=\"__11 _617\"/>\u00f6r betydande leasinga<span class=\"__11 _617\"/>vtal g\u00e4llande lokaler<span class=\"__11 _617\"/>/fastighet<span class=\"__11 _617\"/>er kan avt<span class=\"__11 _617\"/>alets implicita r\u00e4n<span class=\"__11 _617\"/>ta anv\u00e4ndas, om den \u00e4r tillg\u00e4nglig. Nyttjander\u00e4tt<span class=\"__11 _617\"/>er redovisas p\u00e5 samma s\u00e4tt s<span class=\"__11 _617\"/>om liknande egna tillg\u00e5ngar och leasingskulder redo<span class=\"__11 _617\"/>visas som \u201d\u00d6vriga skulder<span class=\"__11 _626\"/>\u201d i balansr\u00e4kningen. Principerna f\u00f6r a<span class=\"__11 _625\"/>vskrivning \u00e4r desamma som f\u00f6r liknande egna till<span class=\"__11 _617\"/>g\u00e5ngar<span class=\"__11 _617\"/>, men a<span class=\"__11 _617\"/>vskriv-<span class=\"__11 _624\"> </span>ningstiden kan in<span class=\"__11 _617\"/>te var<span class=\"__11 _617\"/>a l\u00e4ngre \u00e4n leasingperioden. Pr\u00f6<span class=\"__11 _617\"/>vning av nedskrivningsbeho<span class=\"__11 _617\"/>v p\u00e5 nyttjander\u00e4<span class=\"__11 _617\"/>tter g\u00f6rs enligt samma principer som f\u00f6r liknande egna tillg\u00e5ngar<span class=\"__11 _625\"/>. R\u00e4ntek<span class=\"__11 _617\"/>ostnader f\u00f6r leasingsk<span class=\"__11 _617\"/>ulder redovisas som \u201dR\u00e4n<span class=\"__11 _617\"/>tek<span class=\"__11 _617\"/>ostnader<span class=\"__11 _626\"/>\u201d i resulta<span class=\"__11 _617\"/>tr\u00e4kningen. Tillg\u00e5ngarna klassi\ufb01ceras som \u201dF<span class=\"__11 _625\"/>astigheter<span class=\"__11 _626\"/>\u201d och \u201d\u00d6vriga  <span class=\"__11 _eb_3\"/>tillg\u00e5ngar<span class=\"__11 _708\"/>\u201d<span class=\"__11 _625\"/>. \u00d6vriga tillg\u00e5ngar utg\u00f6rs fr\u00e4ms<span class=\"__11 _617\"/>t av f<span class=\"__11 _617\"/>ordon och IT<span class=\"__11 _625\"/>-<span class=\"__11 _624\"> </span>utrustning. Nordea<span class=\"ws3_10\"> till\u00e4mpar den pr<span class=\"__11 _617\"/>aktisk<span class=\"__11 _617\"/>a l\u00f6sningen f\u00f6r k<span class=\"__11 _617\"/>ort<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></span>fristiga leasinga<span class=\"__11 _617\"/>vtal (med en leasingperiod p\u00e5 12 m\u00e5nader eller mindre), b\u00e5de f<span class=\"__11 _617\"/>\u00f6r \u201dF<span class=\"__11 _617\"/>as<span class=\"__11 _617\"/>tigheter<span class=\"__11 _626\"/>\u201d och \u201d\u00d6vriga tillg\u00e5ngar<span class=\"__11 _626\"/>\u201d<span class=\"__11 _617\"/>. Den prak<span class=\"__11 _617\"/>tiska l\u00f6sningen f\u00f6r tillg\u00e5ngar med l\u00e5gt v<span class=\"__11 _617\"/>\u00e4rde till\u00e4mpas f<span class=\"__11 _617\"/>\u00f6r<span class=\"__11 _624\"> </span>\u201d\u00d6vriga tillg\u00e5ngar<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>. Kortfristiga avtal och a<span class=\"__11 _617\"/>vtal med l\u00e5gt v<span class=\"__11 _617\"/>\u00e4rde redovisas in<span class=\"__11 _617\"/>te i balansr\u00e4kningen, utan l<span class=\"__11 _617\"/>easingav<span class=\"__11 _617\"/>gifterna kos<span class=\"__11 _617\"/>t<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>nadsf\u00f6rs i resul<span class=\"__11 _617\"/>tatr<span class=\"__11 _617\"/>\u00e4kningen under \u201d\u00d6vriga kostnader\u201d<span class=\"__11 _617\"/>, linj\u00e4rt f\u00f6r<span class=\"__11 _617\"/>delade \u00f6ver leasingperioden, s\u00e5<span class=\"__11 _617\"/>vida in<span class=\"__11 _617\"/>te n\u00e5got anna<span class=\"__11 _617\"/>t syste<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>matisk<span class=\"__11 _617\"/>t s\u00e4tt b\u00e4ttr<span class=\"__11 _617\"/>e \u00e5terspeglar <span class=\"ws21_8\">Nordea</span>s ekonomisk<span class=\"__11 _617\"/>a nytta \u00f6v<span class=\"__11 _617\"/>er tiden. Leasingperioden \u00e4r den f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tade leasingperioden. Med f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tad leasingperiod a<span class=\"__11 _617\"/>vses den icke upps\u00e4gningsbar<span class=\"__11 _617\"/>a lea-<span class=\"__11 _624\"> </span>singperioden enligt avtal<span class=\"__11 _617\"/>et och even<span class=\"__11 _617\"/>tuella m\u00f6jligheter till f<span class=\"__11 _617\"/>\u00f6r-<span class=\"__11 _624\"> </span>l\u00e4ngning som Nordea med rimlig s\u00e4kerhet a<span class=\"__11 _617\"/>vser a<span class=\"__11 _617\"/>tt utnyttja. Leasingperioden f\u00f6r a<span class=\"__11 _625\"/>vtal utan slutdatum fas<span class=\"__11 _617\"/>tst\u00e4lls genom a<span class=\"__11 _617\"/>tt ta h\u00e4nsyn alla fak<span class=\"__11 _617\"/>ta och omst<span class=\"__11 _617\"/>\u00e4ndigheter<span class=\"__11 _625\"/>. A<span class=\"__11 _625\"/>vtal som inneh\u00e5ller leasingavtal<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vtal kan om<span class=\"__11 _617\"/>fa<span class=\"__11 _617\"/>tta r\u00e4<span class=\"__11 _617\"/>tten att an<span class=\"__11 _617\"/>v\u00e4nda en tillg\u00e5ng i utbyt<span class=\"__11 _617\"/>e mot en eller flera betalningar<span class=\"__11 _625\"/>, \u00e4ven om a<span class=\"__11 _617\"/>vtalet in<span class=\"__11 _617\"/>te har leasinga<span class=\"__11 _617\"/>v-<span class=\"__11 _624\"> </span>talets juridiska f<span class=\"__11 _617\"/>orm. I f\u00f6r<span class=\"__11 _617\"/>ekommande fall s<span class=\"__11 _617\"/>epareras dessa till<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>g\u00e5ngar fr\u00e5n a<span class=\"__11 _617\"/>vtalet och r<span class=\"__11 _617\"/>edovisas som leasade tillg\u00e5ngar<span class=\"__11 _624\"> </span><div class=\"t_11 m0_11 hd_10 ff1_11 fs8_10 fc0_11 sc0_11 ls1_11 ws24_8\" style=\"left:0.013267517px; bottom:244.96375px;\">K6 A<span class=\"__11 _625\"/>vs\u00e4ttningar<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h5_10 ff1_11 fs3_10 fc1_10 sc0_11 ls1_11 ws3_10\" style=\"left:7.383362px; bottom:216.69446px;\">Redovisningsprinciper<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:192.11029px;\">A<span class=\"__11 _617\"/>vs\u00e4ttningar (s<span class=\"__11 _617\"/>om redovisas som en sk<span class=\"__11 _617\"/>uld) g\u00f6rs n\u00e4r Nordea </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:178.58508px;\">har en aktuell f<span class=\"__11 _617\"/>\u00f6rplik<span class=\"__11 _617\"/>telse (r\u00e4<span class=\"__11 _617\"/>ttslig eller inf<span class=\"__11 _617\"/>ormell) till f<span class=\"__11 _617\"/>\u00f6ljd av </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:165.05994px;\">en intr<span class=\"__11 _617\"/><span class=\"__11 _624\">\u00e4ffad h\u00e4ndels</span><span class=\"__11 _617\"/>e om det \u00e4r troligt (det vill s\u00e4ga mer san-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:151.53473px;\">nolikt \u00e4n in<span class=\"__11 _617\"/>te) a<span class=\"__11 _617\"/>tt ett utfl\u00f6de a<span class=\"__11 _617\"/>v resurser som utg\u00f6r ekonomis-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:138.00952px;\">ka f\u00f6r<span class=\"__11 _617\"/>delar kommer att kr<span class=\"__11 _617\"/>\u00e4v<span class=\"__11 _617\"/>as f<span class=\"__11 _617\"/>\u00f6r att regler<span class=\"__11 _617\"/>a f\u00f6rplik<span class=\"__11 _617\"/>telsen och </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:124.484314px;\">att en tillf<span class=\"__11 _617\"/>\u00f6rlitlig uppskattning a<span class=\"__11 _617\"/>v beloppet kan g\u00f6ras. Det </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:110.95911px;\">belopp som redovisas som en a<span class=\"__11 _625\"/>vs\u00e4ttning \u00e4r den b\u00e4sta upp-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:97.4339px;\">skattningen a<span class=\"__11 _617\"/>v kostnaden f<span class=\"__11 _617\"/>\u00f6r a<span class=\"__11 _617\"/>tt reglera den ak<span class=\"__11 _617\"/>tuella f<span class=\"__11 _617\"/>\u00f6rplik-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:83.90869px;\">telsen vid rapportperiodens slut.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:12.908623px; bottom:70.383484px;\">Redovisningsprinciper som a<span class=\"__11 _617\"/>vser ers\u00e4ttningar till ans<span class=\"__11 _617\"/>t\u00e4llda </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:56.858337px;\">beskrivs n\u00e4rmare i not K8 \u201dErs\u00e4ttning till ans<span class=\"__11 _617\"/>t\u00e4llda och ny<span class=\"__11 _617\"/>ck-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:43.33313px;\">elpersoner i ledande positioner<span class=\"__11 _626\"/>\u201d och \ufb01nansiella garantia<span class=\"__11 _617\"/>vtal </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:29.807922px;\">och kreditl\u00f6ften beskrivs i no<span class=\"__11 _617\"/>t K7 \u201dPos<span class=\"__11 _617\"/>ter utan<span class=\"__11 _617\"/>f\u00f6r balansr<span class=\"__11 _617\"/>\u00e4k-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:16.282715px;\">ningen\u201d<span class=\"__11 _625\"/>. Redovisningsprinciper f<span class=\"__11 _617\"/>\u00f6r avs\u00e4<span class=\"__11 _617\"/>ttningar a<span class=\"__11 _617\"/>vseende </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:2.7575073px;\">poster utan<span class=\"__11 _617\"/>f\u00f6r balansr<span class=\"__11 _617\"/>\u00e4kningen \ufb01nns i not K3.<span class=\"__11 _617\"/>7 \u201dUtl\u00e5ning\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span></div>K7<span class=\"__11 _625\"/>.<span class=\"__11 _625\"/>1 E<span class=\"__11 _625\"/>ventualf<span class=\"__11 _617\"/>\u00f6rplik<span class=\"__11 _617\"/>telser<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>En even<span class=\"__11 _617\"/>tualf\u00f6rplik<span class=\"__11 _617\"/>telse \u00e4r: \u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">en m\u00f6jlig f\u00f6rplik<span class=\"__11 _617\"/>telse v<span class=\"__11 _617\"/>ars f\u00f6rek<span class=\"__11 _617\"/>omst endast kan k<span class=\"__11 _617\"/>omma att </span>bekr\u00e4ftas a<span class=\"__11 _617\"/>v en eller fler<span class=\"__11 _617\"/>a fram<span class=\"__11 _617\"/>tida h\u00e4ndelser som in<span class=\"__11 _617\"/>te helt ligger inom <span class=\"ws3_10\">Nordea</span>s kon<span class=\"__11 _617\"/>troll, eller<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">en be\ufb01ntlig f<span class=\"__11 _617\"/>\u00f6rplik<span class=\"__11 _617\"/>telse som in<span class=\"__11 _617\"/>te redovisas e<span class=\"__11 _617\"/>ftersom det inte </span>\u00e4r sannolikt a<span class=\"__11 _617\"/>tt ett utfl\u00f6de av r<span class=\"__11 _617\"/>esurser kommer att kr<span class=\"__11 _617\"/>\u00e4v<span class=\"__11 _617\"/>as f<span class=\"__11 _617\"/>\u00f6r att regler<span class=\"__11 _617\"/>a f\u00f6rplik<span class=\"__11 _617\"/>telsen eller det in<span class=\"__11 _617\"/>te g\u00e5r a<span class=\"__11 _617\"/>tt g\u00f6ra en tillr\u00e4ck<span class=\"__11 _617\"/><span class=\"ws3_10\">-<span class=\"__11 _624\"> </span></span>ligt tillf\u00f6rlitlig uppska<span class=\"__11 _617\"/>ttning a<span class=\"__11 _617\"/>v beloppet. E<span class=\"__11 _617\"/>ventualf<span class=\"__11 _617\"/>\u00f6rplik<span class=\"__11 _617\"/>telser redo<span class=\"__11 _617\"/>visas int<span class=\"__11 _617\"/>e som skulder i balansr<span class=\"__11 _617\"/>\u00e4k-<span class=\"__11 _624\"> </span>ningen utan presen<span class=\"__11 _617\"/>teras s<span class=\"__11 _617\"/>om en post utan<span class=\"__11 _617\"/>f\u00f6r balansr<span class=\"__11 _617\"/>\u00e4kningen, s\u00e5vida in<span class=\"__11 _617\"/>te sannolikheten f<span class=\"__11 _617\"/>\u00f6r ett utfl\u00f6de \u00e4r ytterst lit<span class=\"__11 _617\"/>en.<span class=\"__11 _624\"> </span>N\u00e4r det \u00e4r mer sannolikt \u00e4n in<span class=\"__11 _617\"/>te att ett utfl\u00f6de kan sk<span class=\"__11 _617\"/>e g\u00f6rs en avs\u00e4<span class=\"__11 _617\"/>ttning som redovisas i balansr<span class=\"__11 _617\"/>\u00e4kningen. Redo<span class=\"__11 _617\"/>visnings-<span class=\"__11 _624\"> </span>principerna f\u00f6r a<span class=\"__11 _617\"/>vs\u00e4ttningar \ufb01nns i no<span class=\"__11 _617\"/>t K6 \u201d<span class=\"__11 _625\"/>A<span class=\"__11 _625\"/>vs\u00e4ttningar<span class=\"__11 _626\"/>\u201d<span class=\"__11 _617\"/>.<span class=\"__11 _624\"> </span>Garan<span class=\"__11 _617\"/>tier och remburser redovisas i balansr<span class=\"__11 _617\"/>\u00e4kningen enligt kra<span class=\"__11 _617\"/>ven f<span class=\"__11 _617\"/>\u00f6r f<span class=\"__11 _617\"/>\u00f6rv\u00e4ntade kreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter<span class=\"__11 _625\"/>, som beskrivs n\u00e4rmare i not K3.<span class=\"__11 _617\"/>7 \u201dUtl\u00e5ning\u201d<span class=\"__11 _625\"/>. F\u00f6r\u00e4ndringar i a<span class=\"__11 _617\"/>vs\u00e4ttningar r<span class=\"__11 _617\"/>edovisas i resulta<span class=\"__11 _617\"/>tr\u00e4kningen under post<span class=\"__11 _617\"/>en \u201dKreditf<span class=\"__11 _617\"/>\u00f6rluster<span class=\"__11 _625\"/>, netto\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Erh\u00e5llna premier f<span class=\"__11 _617\"/>\u00f6r \ufb01nansiella garan<span class=\"__11 _617\"/>tiavtal f<span class=\"__11 _617\"/>\u00f6rdelas \u00f6<span class=\"__11 _617\"/>ver garan<span class=\"__11 _617\"/>tiperioden och redovisas i re<span class=\"__11 _617\"/>sultatr<span class=\"__11 _617\"/>\u00e4kningen som \u201d<span class=\"__11 _625\"/>A<span class=\"__11 _625\"/>vgifts- och provisionsint\u00e4k<span class=\"__11 _617\"/>ter\u201d<span class=\"__11 _617\"/>. Garan<span class=\"__11 _617\"/>ti- och l\u00f6ft<span class=\"__11 _617\"/>esbeloppen redovisas utan<span class=\"__11 _617\"/>f\u00f6r balansr<span class=\"__11 _617\"/>\u00e4kningen, netto efter a<span class=\"__11 _617\"/>v<span class=\"__11 _617\"/>drag f<span class=\"__11 _617\"/>\u00f6r even-<span class=\"__11 _624\"> </span>tuella avs\u00e4<span class=\"__11 _617\"/>ttningar<span class=\"__11 _624\"> </span><span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span><div class=\"t_11 m0_11 h4_10 ff1_11 fs2_10 fc0_11 sc0_11 ls1_11 ws28_8\" style=\"left:0.012939453px; bottom:189.65448px;\">K7<span class=\"__11 _625\"/>.2 \u00c5taganden<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h5_10 ff1_11 fs3_10 fc1_10 sc0_11 ls1_11 ws3_10\" style=\"left:7.383148px; bottom:162.5976px;\">Redovisningsprinciper<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.012939453px; bottom:138.0133px;\">\u00c5taganden \u00e4r o\u00e5terkalleliga l\u00f6<span class=\"__11 _617\"/>ften om att bevilja kr<span class=\"__11 _617\"/>editer eller </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.012939453px; bottom:124.4881px;\">g\u00f6ra andra typer a<span class=\"__11 _617\"/>v betalningar i f<span class=\"__11 _617\"/>ram<span class=\"__11 _617\"/>tiden. \u00c4<span class=\"__11 _625\"/>ven outnyttjade </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.012939453px; bottom:110.96289px;\">krediter redo<span class=\"__11 _617\"/>visas som \u00e5taganden.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:12.908417px; bottom:97.43771px;\">O\u00e5terkalleliga kr<span class=\"__11 _617\"/>editl\u00f6ften redo<span class=\"__11 _617\"/>visas i balansr\u00e4kningen </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.012939453px; bottom:83.912506px;\">enligt kra<span class=\"__11 _617\"/>ven f<span class=\"__11 _617\"/>\u00f6r f<span class=\"__11 _617\"/>\u00f6rv\u00e4ntade kreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter som beskrivs n\u00e4r-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.012939453px; bottom:70.3873px;\">mare i not K3.<span class=\"__11 _617\"/>7 \u201dUtl\u00e5ning\u201d<span class=\"__11 _625\"/>. F\u00f6r<span class=\"__11 _617\"/>\u00e4ndringar i avs\u00e4<span class=\"__11 _617\"/>ttningar redovi-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.012939453px; bottom:56.86209px;\">sas i resulta<span class=\"__11 _617\"/>tr\u00e4kningen under post<span class=\"__11 _617\"/>en \u201dKreditf<span class=\"__11 _617\"/>\u00f6rluster<span class=\"__11 _625\"/>, netto\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:12.908417px; bottom:43.336914px;\">Erh\u00e5llna premier f<span class=\"__11 _617\"/>\u00f6r kreditl\u00f6ften f<span class=\"__11 _617\"/>\u00f6rdelas normal<span class=\"__11 _617\"/>t \u00f6ver \u00e5<span class=\"__11 _617\"/>ta-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.012939453px; bottom:29.811707px;\">gandeperioden. Garan<span class=\"__11 _617\"/>ti- och l\u00f6ftesbeloppen redo<span class=\"__11 _617\"/>visas utanf<span class=\"__11 _617\"/>\u00f6r </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.012939453px; bottom:16.286499px;\">balansr\u00e4kningen, netto efter a<span class=\"__11 _625\"/>vdrag f\u00f6r ev<span class=\"__11 _617\"/>entuella </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.012939453px; bottom:2.7612915px;\">avs\u00e4<span class=\"__11 _617\"/>ttningar<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h4_10 ff1_11 fs2_10 fc0_11 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:176.12341px;\">K7<span class=\"__11 _625\"/>.3 <span class=\"__11 _642\"> </span>St\u00e4llda s\u00e4k<span class=\"__11 _617\"/>erheter<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h5_10 ff1_11 fs3_10 fc1_10 sc0_11 ls1_11 ws3_10\" style=\"left:7.383362px; bottom:149.06653px;\">Redovisningsprinciper<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:124.48224px;\">Tillg\u00e5ngar som redovisa<span class=\"__11 _617\"/>ts i balansr\u00e4kningen och pan<span class=\"__11 _617\"/>tsatts </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:110.95703px;\">som s\u00e4kerhet f<span class=\"__11 _617\"/>\u00f6r Nordeas egna skulder r<span class=\"__11 _617\"/>edovisas som \u201dF<span class=\"__11 _617\"/>\u00f6r </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:97.43182px;\">egna skulder st\u00e4llda s\u00e4k<span class=\"__11 _617\"/>erheter<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>. Tillg\u00e5ngar som r<span class=\"__11 _617\"/>edovisats i </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:83.90662px;\">balansr\u00e4kningen och pan<span class=\"__11 _617\"/>tsatts som s\u00e4kerhet f<span class=\"__11 _617\"/>\u00f6r annat \u00e4n </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:70.38141px;\">egna skulder redo<span class=\"__11 _617\"/>visas som \u201d\u00d6vriga st\u00e4llda s\u00e4kerhet<span class=\"__11 _617\"/>er f\u00f6r </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:56.8562px;\">annat \u00e4n egna skulder\u201d<span class=\"__11 _617\"/>. Inl\u00e5nade v\u00e4r<span class=\"__11 _617\"/>depapper som d\u00e4refter </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:43.330994px;\">anv\u00e4nds som s\u00e4k<span class=\"__11 _617\"/>erhet redovisas som \u201d\u00d6v<span class=\"__11 _617\"/>erf\u00f6rda tillg\u00e5ngar </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:29.805847px;\">och erh\u00e5llna s\u00e4kerheter<span class=\"__11 _626\"/>\u201d i balansr\u00e4kningen (f<span class=\"__11 _617\"/>\u00f6r redovisnings-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:16.28064px;\">principer<span class=\"__11 _625\"/>, se not K3.2 \u201d\u00d6verf\u00f6rda tillg\u00e5ngar och erh\u00e5llna </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:2.7554321px;\">s\u00e4kerheter<span class=\"__11 _626\"/>\u201d).<span class=\"__11 _624\"> </span></div>K3.<span class=\"__11 _625\"/>13  Skulder till kreditinstitut<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>Skulder till kreditins<span class=\"__11 _617\"/>titut innefa<span class=\"__11 _617\"/>ttar skulder till cen<span class=\"__11 _617\"/>tralbank<span class=\"__11 _617\"/>er<span class=\"__11 _625\"/>, banker<span class=\"__11 _625\"/>, kreditmarknadsbolag, kreditbolag, \ufb01nansbolag och hypoteksins<span class=\"__11 _617\"/>titut. Inl\u00e5ning klassi\ufb01ceras i enlighet med not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>F\u00f6r ytt<span class=\"__11 _617\"/>erligare redovisningsprinciper<span class=\"__11 _625\"/>, se not K3.<span class=\"__11 _625\"/>1 \u201dRedovis-<span class=\"__11 _624\"> </span>ning och bortbokning i balansr\u00e4kningen\u201d<span class=\"__11 _625\"/>, not K3.2 \u201d\u00d6verf\u00f6rda tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter<span class=\"__11 _626\"/>\u201d och not K3.4 \u201dV<span class=\"__11 _617\"/>erkligt v\u00e4rde\u201dK8.<span class=\"__12 _a_11\"/>1 <span class=\"__12 _787\"> </span>F<span class=\"__12 _a_11\"/>ast och r\u00f6rlig l\u00f6n<span class=\"__12 _777\"> </span>Redovisningsprinciper<span class=\"__12 _777\"> </span>Kortfristiga ers\u00e4<span class=\"__12 _768\"/>ttningar till anst\u00e4llda<span class=\"__12 _777\"> </span>Kortfristiga ers\u00e4ttningar till ans<span class=\"__12 _768\"/>t\u00e4llda best<span class=\"__12 _768\"/>\u00e5r fr\u00e4ms<span class=\"__12 _768\"/>t av f<span class=\"__12 _768\"/>ast<span class=\"__12 _777\"> </span> och r\u00f6rlig l\u00f6n. B\u00e5de f<span class=\"__12 _768\"/>ast och r\u00f6rlig l\u00f6n kos<span class=\"__12 _768\"/>tnadsf<span class=\"__12 _768\"/>\u00f6rs i den peri-<span class=\"__12 _777\"> </span>od d\u00e5 de anst\u00e4llda utf<span class=\"__12 _768\"/>\u00f6r tj\u00e4nster f<span class=\"__12 _768\"/>\u00f6r Nordea.<span class=\"__12 _777\"> </span>A<span class=\"__12 _a_11\"/>vg\u00e5ngsvederlag<span class=\"__12 _777\"> </span>A<span class=\"__12 _768\"/>vg\u00e5ngsv<span class=\"__12 _768\"/>ederlag blir normalt ak<span class=\"__12 _768\"/>tuellt n\u00e4r en anst\u00e4llning<span class=\"__12 _777\"> </span> avsl<span class=\"__12 _768\"/>utas f\u00f6r<span class=\"__12 _768\"/>e pensionsdagen eller om en anst\u00e4lld ac<span class=\"__12 _768\"/>cepter<span class=\"__12 _768\"/>ar<span class=\"__12 _777\"> </span> ett erbjudande om frivillig a<span class=\"__12 _768\"/>vg\u00e5ng.<span class=\"__12 _777\"> </span>A<span class=\"__12 _768\"/>vg\u00e5ngsv<span class=\"__12 _768\"/>ederlag kostnadsf<span class=\"__12 _768\"/>\u00f6rs n\u00e4r <span class=\"ws5_11\">Nordea</span> har en skyldig<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>het att g\u00f6ra betalningen. En skyldighet upps<span class=\"__12 _768\"/>t\u00e5r n\u00e4r en f<span class=\"__12 _768\"/>ormell<span class=\"__12 _777\"> </span> plan har beslutats p\u00e5 l\u00e4mplig or<span class=\"__12 _768\"/>ganisatorisk niv<span class=\"__12 _768\"/>\u00e5 och n\u00e4r det<span class=\"__12 _777\"> </span> inte \ufb01nns en r<span class=\"__12 _768\"/>ealistisk m\u00f6jlighet f<span class=\"__12 _768\"/>\u00f6r <span class=\"ws5_11\">Nordea</span> att dr<span class=\"__12 _768\"/>a sig ur<span class=\"__12 _a_11\"/>, vilket<span class=\"__12 _777\"> </span> normalt anses uppfyll<span class=\"__12 _768\"/>t n\u00e4r planen har kommunicera<span class=\"__12 _768\"/>ts till<span class=\"__12 _777\"> </span> ber\u00f6rda medarbetar<span class=\"__12 _768\"/>e eller deras repr<span class=\"__12 _768\"/>esent<span class=\"__12 _768\"/>anter<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span> A<span class=\"__12 _768\"/>vg\u00e5ngsv<span class=\"__12 _768\"/>ederlag kan innef<span class=\"__12 _768\"/>atta b\u00e5de kortfris<span class=\"__12 _768\"/>tiga ers\u00e4ttning<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>ar<span class=\"__12 _a_11\"/>, till exempel ett an<span class=\"__12 _768\"/>tal m\u00e5nadsl\u00f6ner<span class=\"__12 _a_11\"/>, och er<span class=\"__12 _b_11\"/>s\u00e4ttningar efter<span class=\"__12 _777\"> </span> avsl<span class=\"__12 _768\"/>utad anst\u00e4llning, normalt i f<span class=\"__12 _768\"/>orm a<span class=\"__12 _768\"/>v f<span class=\"__12 _768\"/>\u00f6rtidspensionering<span class=\"__12 _777\"> </span>.<span class=\"__12 _777\"> </span> K8.2 Pensioner<span class=\"__12 _777\"> </span>Redovisningsprinciper<span class=\"__12 _777\"> </span>A<span class=\"__12 _a_11\"/>vgiftsbest\u00e4mda planer<span class=\"__12 _777\"> </span>Pensioner som baser<span class=\"__12 _768\"/>as p\u00e5 a<span class=\"__12 _768\"/>vgiftsbest\u00e4mda pensionsplaner<span class=\"__12 _777\"> </span> medf\u00f6r in<span class=\"__12 _768\"/>te n\u00e5got pensions\u00e5<span class=\"__12 _768\"/>tagande f<span class=\"__12 _768\"/>\u00f6r Nordea. Sam<span class=\"__12 _768\"/>tliga<span class=\"__12 _777\"> </span> f\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4mda pensionsplaner \u00e4r st\u00e4ngda f<span class=\"__12 _768\"/>\u00f6r ny<span class=\"__12 _768\"/>a delta<span class=\"__12 _768\"/>-<span class=\"__12 _777\"> </span>gare. Dessa erbjuds ist\u00e4llet a<span class=\"__12 _a_11\"/>vgiftsbest\u00e4mda pensionsplaner<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span> Pensionskos<span class=\"__12 _768\"/>tnader f\u00f6r a<span class=\"__12 _a_11\"/>vgiftsbest\u00e4mda pensionsplaner redo-<span class=\"__12 _777\"> </span>visas som en kostnad i den tak<span class=\"__12 _768\"/>t de in<span class=\"__12 _768\"/>tj\u00e4nas genom att de<span class=\"__12 _777\"> </span> anst\u00e4llda utf<span class=\"__12 _768\"/>\u00f6r tj\u00e4nster \u00e5<span class=\"__12 _768\"/>t f\u00f6r<span class=\"__12 _768\"/>etaget och a<span class=\"__12 _768\"/>vgifterna f<span class=\"__12 _768\"/>\u00f6r dessa<span class=\"__12 _777\"> </span> tj\u00e4nster f<span class=\"__12 _768\"/>\u00f6rfaller till betalning. Betalningen sk<span class=\"__12 _768\"/>er normalt i<span class=\"__12 _777\"> </span> samband med regelbundna l\u00f6neutbetalningar<span class=\"__12 _a_11\"/>. Nordea bidrar<span class=\"__12 _777\"> </span> <span class=\"__12 _777\">ocks\u00e5 till offen</span><span class=\"__12 _768\"/>tliga pensionssyst<span class=\"__12 _768\"/>em.<span class=\"__12 _777\"> </span> F<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbest\u00e4mda planer<span class=\"__12 _777\"> </span>IAS 19 s\u00e4kerst\u00e4ller att pensionsf<span class=\"__12 _768\"/>\u00f6rplik<span class=\"__12 _768\"/>telserna, minska<span class=\"__12 _768\"/>t med<span class=\"__12 _777\"> </span> v\u00e4rdet a<span class=\"__12 _768\"/>v de f<span class=\"__12 _768\"/>\u00f6rvaltningstillg\u00e5ngar som t<span class=\"__12 _768\"/>\u00e4cker dessa f<span class=\"__12 _768\"/>\u00f6rplik-<span class=\"__12 _777\"> </span>telser<span class=\"__12 _a_11\"/>, redovisas i koncernens balansr\u00e4kning. De s<span class=\"__12 _768\"/>t\u00f6rre f<span class=\"__12 _768\"/>\u00f6r-<span class=\"__12 _777\"> </span>m\u00e5nsbest\u00e4mda pensionsplanerna \u00e4r f<span class=\"__12 _768\"/>onderade och t\u00e4cks a<span class=\"__12 _768\"/>v<span class=\"__12 _777\"> </span> tillg\u00e5ngar i pensionskassor<span class=\"__12 _768\"/>/pensionsstift<span class=\"__12 _768\"/>elser<span class=\"__12 _a_11\"/>. Om verkligt<span class=\"__12 _777\"> </span> v\u00e4rde p\u00e5 f<span class=\"__12 _768\"/>\u00f6rvaltningstill<span class=\"__12 _768\"/>g\u00e5ngar h\u00e4nf<span class=\"__12 _768\"/>\u00f6rliga till en speci\ufb01k pen-<span class=\"__12 _777\"> </span>sionsplan \u00e4r l\u00e4gre \u00e4n nuv\u00e4r<span class=\"__12 _768\"/>det, brutto, av den f<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbe-<span class=\"__12 _777\"> </span>st\u00e4mda f<span class=\"__12 _768\"/>\u00f6rplikt<span class=\"__12 _768\"/>elsen fas<span class=\"__12 _768\"/>tst\u00e4lld enligt \u201dpr<span class=\"__12 _768\"/>ojected unit credit<span class=\"__12 _777\"> </span> method\u201d<span class=\"__12 _a_11\"/>, redovisas nettobeloppet som en sk<span class=\"__12 _768\"/>uld (\u201dPensions-<span class=\"__12 _777\"> </span>f\u00f6rplik<span class=\"__12 _768\"/>telser\u201d). I det omv\u00e4nda fallet redo<span class=\"__12 _768\"/>visas nettobeloppet<span class=\"__12 _777\"> </span> som en tillg\u00e5ng (\u201dPensions<span class=\"__12 _768\"/>tillg\u00e5ngar<span class=\"__12 _b_11\"/>\u201d). Icke-fonderade pen-<span class=\"__12 _777\"> </span>sionsplaner redovisas som \u201dP<span class=\"__12 _768\"/>ensionsf<span class=\"__12 _768\"/>\u00f6rpliktels<span class=\"__12 _768\"/>er<span class=\"__12 _b_11\"/>\u201d<span class=\"__12 _a_11\"/>.  Nordeas nettof<span class=\"__12 _768\"/>\u00f6rplik<span class=\"__12 _768\"/>telse f<span class=\"__12 _768\"/>\u00f6r f\u00f6rm\u00e5nsbe<span class=\"__12 _768\"/>st\u00e4mda pensions-<span class=\"__12 _777\"> </span>planer ber\u00e4knas separa<span class=\"__12 _768\"/>t f<span class=\"__12 _768\"/>\u00f6r varje plan genom en uppskatt-<span class=\"__12 _777\"> </span>ning av det ers\u00e4ttningsbelopp s<span class=\"__12 _768\"/>om de anst\u00e4llda har in<span class=\"__12 _768\"/>tj\u00e4nat<span class=\"__12 _777\"> </span> under innevarande period och tidigar<span class=\"__12 _768\"/>e perioder i utbyte mo<span class=\"__12 _768\"/>t<span class=\"__12 _777\"> </span>sina tj\u00e4nster<span class=\"__12 _a_11\"/>. Ers\u00e4ttningsbeloppet diskonter<span class=\"__12 _768\"/>as f<span class=\"__12 _768\"/>\u00f6r att f<span class=\"__12 _768\"/>astst\u00e4lla dess nuv\u00e4rde. <span class=\"__12 _768\"/>Ak<span class=\"__12 _768\"/>tuariella ber\u00e4kningar<span class=\"__12 _a_11\"/>, bland annat \u201dprojected unit credit method\u201d<span class=\"__12 _a_11\"/>, anv\u00e4nds f<span class=\"__12 _768\"/>\u00f6r att f<span class=\"__12 _768\"/>asts<span class=\"__12 _768\"/>t\u00e4lla nuv\u00e4rdet a<span class=\"__12 _a_11\"/>v f\u00f6r-<span class=\"__12 _777\"> </span>m\u00e5nsbest\u00e4mda f<span class=\"__12 _768\"/>\u00f6rplikt<span class=\"__12 _768\"/>elser och kostnader h\u00e4n<span class=\"__12 _768\"/>f<span class=\"__12 _768\"/>\u00f6rliga till dessa. Ber\u00e4kningarna baser<span class=\"__12 _768\"/>as p\u00e5 ett antal ak<span class=\"__12 _768\"/>tuariella och \ufb01nansiella antaganden. K<span class=\"__12 _768\"/>ostnader a<span class=\"__12 _768\"/>vseende tj\u00e4nst<span class=\"__12 _768\"/>g\u00f6ring innevarande och tidigar<span class=\"__12 _768\"/>e \u00e5r redovisas i r<span class=\"__12 _768\"/>esulta<span class=\"__12 _768\"/>tr\u00e4kningen f<span class=\"__12 _768\"/>\u00f6r innevarande \u00e5r<span class=\"__12 _a_11\"/>. Kostnader a<span class=\"__12 _a_11\"/>vseende tj\u00e4nstg\u00f6ring innevaran-<span class=\"__12 _777\"> </span>de \u00e5r de\ufb01nieras som en \u00f6kning a<span class=\"__12 _768\"/>v nuv\u00e4r<span class=\"__12 _768\"/>det f\u00f6r f<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbe-<span class=\"__12 _777\"> </span>st\u00e4mda f<span class=\"__12 _768\"/>\u00f6rplikt<span class=\"__12 _768\"/>elser till f\u00f6ljd a<span class=\"__12 _a_11\"/>v anst\u00e4lldas tj\u00e4nstg\u00f6ring under innevarande period. K<span class=\"__12 _768\"/>ostnader a<span class=\"__12 _a_11\"/>vseende tj\u00e4nstg\u00f6ring tidigare \u00e5r de\ufb01nieras som f<span class=\"__12 _768\"/>\u00f6r\u00e4ndringen i nuv<span class=\"__12 _768\"/>\u00e4rdet f<span class=\"__12 _768\"/>\u00f6r f\u00f6rm\u00e5nsbe-<span class=\"__12 _777\"> </span>st\u00e4mda f<span class=\"__12 _768\"/>\u00f6rplikt<span class=\"__12 _768\"/>elser f\u00f6r ans<span class=\"__12 _768\"/>t\u00e4lldas tj\u00e4nst<span class=\"__12 _768\"/>g\u00f6ring under tidigare perioder som utl\u00f6ses a<span class=\"__12 _768\"/>v plan\u00e4ndringar eller -reduceringar<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>F\u00f6rplik<span class=\"__12 _768\"/>telsens nuv<span class=\"__12 _768\"/>\u00e4rde och even<span class=\"__12 _768\"/>tuella f<span class=\"__12 _768\"/>\u00f6rvaltningstillg\u00e5ng-<span class=\"__12 _777\"> </span>ars verkliga v\u00e4rde kan p\u00e5<span class=\"__12 _768\"/>v<span class=\"__12 _768\"/>erkas av \u00e4ndr<span class=\"__12 _768\"/>ade aktuariella an<span class=\"__12 _768\"/>ta<span class=\"__12 _768\"/>-<span class=\"__12 _777\"> </span>ganden (diskon<span class=\"__12 _768\"/>teringsr\u00e4n<span class=\"__12 _768\"/>tor (r<span class=\"__12 _768\"/>\u00e4ntor och kr<span class=\"__12 _768\"/>editspreadar), inflation, l\u00f6ne\u00f6kningar<span class=\"__12 _a_11\"/>, personaloms\u00e4ttning och livsl\u00e4ngd) och erfarenhetsm\u00e4ssiga a<span class=\"__12 _768\"/>vvikelser<span class=\"__12 _a_11\"/>, inklusive verkligt utf<span class=\"__12 _768\"/>all j\u00e4mf<span class=\"__12 _768\"/>\u00f6rt med antaganden. Dessa omv<span class=\"__12 _768\"/><span class=\"__12 _777\">\u00e4rderingseff</span><span class=\"__12 _768\"/>ek<span class=\"__12 _768\"/>ter redo<span class=\"__12 _768\"/>vi-<span class=\"__12 _777\"> </span>sas direkt mo<span class=\"__12 _768\"/>t eget kapital via \u00f6vrigt t<span class=\"__12 _768\"/>otalre<span class=\"__12 _768\"/>sultat. Diskont<span class=\"__12 _768\"/>eringsr\u00e4n<span class=\"__12 _768\"/>tan baseras p\u00e5 f<span class=\"__12 _768\"/>\u00f6retags<span class=\"__12 _768\"/>obligationer med h\u00f6ga kreditbetyg, d\u00e4r en tillr<span class=\"__12 _768\"/>\u00e4ckligt djup marknad exis<span class=\"__12 _768\"/>terar f\u00f6r s\u00e5dana obliga<span class=\"__12 _768\"/>tioner<span class=\"__12 _a_11\"/>. S\u00e4kerst\u00e4llda obligationer anses i detta sammanhang vara f<span class=\"__12 _768\"/>\u00f6ret<span class=\"__12 _768\"/>agsobligationer<span class=\"__12 _a_11\"/>. I Sverige, Norge och Danmark baseras disk<span class=\"__12 _768\"/>onteringsr<span class=\"__12 _768\"/>\u00e4nt<span class=\"__12 _768\"/>an p\u00e5 s\u00e4ker-<span class=\"__12 _777\"> </span>st\u00e4llda obligationer<span class=\"__12 _a_11\"/>, medan den i Finland och Storbritannien baseras p\u00e5 f<span class=\"__12 _768\"/>\u00f6retagsobliga<span class=\"__12 _768\"/>tioner<span class=\"__12 _a_11\"/>. I Sverige, Norge, Finland och Danmark h\u00e4rleds obligationernas kreditspr<span class=\"__12 _768\"/>ead \u00f6ver sw<span class=\"__12 _768\"/>app-<span class=\"__12 _777\"> </span>kurvan fr<span class=\"__12 _768\"/>\u00e5n s\u00e4kerst\u00e4llda obligationer eller f<span class=\"__12 _768\"/>\u00f6ret<span class=\"__12 _768\"/>agsobligatio-<span class=\"__12 _777\"> </span>ner med l\u00e4ngre l\u00f6ptid och e<span class=\"__12 _768\"/>xtrapoler<span class=\"__12 _768\"/>as till samma dura<span class=\"__12 _768\"/>tion som pensionsf\u00f6rplik<span class=\"__12 _768\"/>telserna med hj\u00e4lp a<span class=\"__12 _a_11\"/>v relevanta sw<span class=\"__12 _768\"/>app-<span class=\"__12 _777\"> </span>kurvor<span class=\"__12 _a_11\"/>. I Storbritannien extrapoler<span class=\"__12 _768\"/>as f<span class=\"__12 _768\"/>\u00f6retagsobligationernas kreditspread mot s<span class=\"__12 _768\"/>tatsobliga<span class=\"__12 _768\"/>tioner till samma dura<span class=\"__12 _768\"/>tion som pensionsf\u00f6rplik<span class=\"__12 _768\"/>telserna med hj\u00e4lp a<span class=\"__12 _768\"/>v st<span class=\"__12 _768\"/>atsobligationsk<span class=\"__12 _768\"/>urvan. N\u00e4r ber\u00e4kningen resul<span class=\"__12 _768\"/>terar i en netto<span class=\"__12 _768\"/>tillg\u00e5ng begr\u00e4nsas det redovisade v<span class=\"__12 _768\"/>\u00e4rdet p\u00e5 tillg\u00e5ngen till nuv\u00e4r<span class=\"__12 _768\"/>det av f<span class=\"__12 _768\"/>ram<span class=\"__12 _768\"/>tida \u00e5terbetalningar f<span class=\"__12 _768\"/>r\u00e5n eller minskade inbetalningar till planen. S\u00e4rskild l\u00f6neskatt och socialf<span class=\"__12 _768\"/>\u00f6rs\u00e4kringsav<span class=\"__12 _768\"/>gifter ber\u00e4knas och redovisas baser<span class=\"__12 _768\"/>at p\u00e5 redo<span class=\"__12 _768\"/>visat netto\u00f6<span class=\"__12 _768\"/>verskott eller net-<span class=\"__12 _777\"> </span>tounderskott per plan och ing\u00e5r i balansr<span class=\"__12 _768\"/>\u00e4kningen som \u201dPen-<span class=\"__12 _777\"> </span>sionsf\u00f6rplik<span class=\"__12 _768\"/>telser\u201d eller \u201dPensionstillg\u00e5ngar<span class=\"__12 _b_11\"/>\u201d<span class=\"__12 _777\"> </span>K8.3 <span class=\"__12 _bf_5\"> </span>Aktier<span class=\"__12 _768\"/>ela<span class=\"__12 _768\"/>terade ers\u00e4<span class=\"__12 _768\"/>ttningsprogr<span class=\"__12 _768\"/>am<span class=\"__12 _777\"> </span>Redovisningsprinciper<span class=\"__12 _777\"> </span>Program som r<span class=\"__12 _768\"/>egleras med eget kapital<span class=\"__12 _768\"/>-instrument Aktierela<span class=\"__12 _768\"/>terad ers\u00e4<span class=\"__12 _768\"/>ttning som regleras med eget k<span class=\"__12 _768\"/>apital-<span class=\"__12 _777\"> </span>instrument inneb\u00e4r a<span class=\"__12 _768\"/>tt <span class=\"ws5_11\">Nordea</span> anv<span class=\"__12 _768\"/>\u00e4nder sina egna eget kapital- <span class=\"__12 _c0_5\"/>instrument s<span class=\"__12 _768\"/>om betalning f\u00f6r erh\u00e5llna v<span class=\"__12 _768\"/>aror eller tj\u00e4ns<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>ter<span class=\"__12 _a_11\"/>. S\u00e5dana transaktioner redo<span class=\"__12 _768\"/>visas som en personalkostnad och en motsvar<span class=\"__12 _768\"/>ande \u00f6kning a<span class=\"__12 _768\"/>v eget kapital. Kostnaden v<span class=\"__12 _768\"/>\u00e4rde<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>ras till det verkligt v<span class=\"__12 _768\"/>\u00e4rdet a<span class=\"__12 _768\"/>v erh\u00e5llna varor eller tj\u00e4ns<span class=\"__12 _768\"/>ter<span class=\"__12 _a_11\"/>, f\u00f6rut<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>satt att det v<span class=\"__12 _768\"/>erkliga v\u00e4rdet kan uppska<span class=\"__12 _768\"/>ttas p\u00e5 ett tillf<span class=\"__12 _768\"/>\u00f6rlitligt s\u00e4tt. Om s\u00e5 inte \u00e4r f<span class=\"__12 _768\"/>allet v\u00e4rder<span class=\"__12 _768\"/>as kostnaden bas<span class=\"__12 _768\"/>erat p\u00e5 det verkliga v\u00e4r<span class=\"__12 _768\"/>det p\u00e5 de eget kapital-instrumen<span class=\"__12 _768\"/>t som tilldela<span class=\"__12 _768\"/>ts, vilket \u00e4r den metod som anv<span class=\"__12 _768\"/>\u00e4nds a<span class=\"__12 _768\"/>v <span class=\"ws5_11\">Nordea</span><span class=\"ls0_12\">.<span class=\"__12 _777\"> </span></span>N\u00e4r Nordea<span class=\"ws0_12\"> emitter<span class=\"__12 _768\"/>ar s\u00e5dana instrumen<span class=\"__12 _768\"/>t kostnadsf<span class=\"__12 _768\"/>\u00f6rs det </span>verkliga v\u00e4r<span class=\"__12 _768\"/>det f\u00f6r dessa r<span class=\"__12 _768\"/>\u00e4ttigheter p\u00e5 tilldelnings<span class=\"__12 _768\"/>dagen linj\u00e4rt \u00f6ver in<span class=\"__12 _768\"/>tj\u00e4nandeperioden. Det verkliga v\u00e4r<span class=\"__12 _768\"/>det per r\u00e4<span class=\"__12 _768\"/>ttighet ber\u00e4knas p\u00e5 tilldelningsdagen och omv<span class=\"__12 _768\"/>\u00e4rderas in<span class=\"__12 _768\"/>te d\u00e4r<span class=\"__12 _768\"/>efter<span class=\"__12 _a_11\"/>. Intj\u00e4nandeperioden \u00e4r den period som de ans<span class=\"__12 _768\"/>t\u00e4llda m\u00e5ste f<span class=\"__12 _768\"/>\u00f6r<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>bli i tj\u00e4nst hos <span class=\"ws5_11\">Nordea</span> f<span class=\"__12 _768\"/>\u00f6r att k<span class=\"__12 _768\"/>unna utnyttja sina r\u00e4<span class=\"__12 _768\"/>ttigheter<span class=\"__12 _a_11\"/>. F\u00f6r r<span class=\"__12 _768\"/>\u00e4ttigheter d\u00e4r r<span class=\"__12 _768\"/>esultatvillk<span class=\"__12 _768\"/>oren in<span class=\"__12 _768\"/>te \u00e4r marknadsbase<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>rade kos<span class=\"__12 _768\"/>tnadsf\u00f6rs ett belopp motsv<span class=\"__12 _768\"/>arande det v<span class=\"__12 _768\"/>erkliga v\u00e4rdet per r\u00e4ttighet p\u00e5 tilldelningsdagen, mul<span class=\"__12 _768\"/>tiplicera<span class=\"__12 _768\"/>t med den b\u00e4sta uppskattningen a<span class=\"__12 _768\"/>v ant<span class=\"__12 _768\"/>alet r\u00e4ttighet<span class=\"__12 _768\"/>er som slutligen kommer att intj\u00e4nas, vilk<span class=\"__12 _768\"/>et omv\u00e4r<span class=\"__12 _768\"/>deras per v<span class=\"__12 _768\"/>arje balansdag. F\u00f6r r<span class=\"__12 _768\"/>\u00e4ttig<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>heter d\u00e4r result<span class=\"__12 _768\"/>atvillkoren \u00e4r marknadsbas<span class=\"__12 _768\"/>erade ber\u00e4knas det samlade verkliga v\u00e4r<span class=\"__12 _768\"/>det som det verkliga v\u00e4r<span class=\"__12 _768\"/>det per r\u00e4ttighet, multiplicera<span class=\"__12 _768\"/>t med det maximala ant<span class=\"__12 _768\"/>alet r\u00e4ttighet<span class=\"__12 _768\"/>er p\u00e5 tilldel<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>ningsdagen. H\u00e4nsyn tas till marknadsbaserade villk<span class=\"__12 _768\"/>or n\u00e4r det verkliga v\u00e4r<span class=\"__12 _768\"/>det f\u00f6r ak<span class=\"__12 _768\"/>tierna som tilldelas ska ber<span class=\"__12 _768\"/>\u00e4knas. Om alla andra in<span class=\"__12 _768\"/>tj\u00e4ningsvillkor (t.ex. servicevillkor) \u00e4r upp<span class=\"__12 _768\"/>fyllda, redovi<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>sar Nordea<span class=\"ws0_12\"> en kos<span class=\"__12 _768\"/>tnad f\u00f6r till<span class=\"__12 _768\"/>delade aktier med marknadsvill<span class=\"__12 _768\"/><span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span></span>kor under intj\u00e4nandeperioden oa<span class=\"__12 _a_11\"/>vsett om dessa marknadsvill<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>kor \u00e4r uppfyllda.<span class=\"__12 _777\"> </span>Sociala av<span class=\"__12 _768\"/>gifter periodiseras ocks\u00e5 \u00f6<span class=\"__12 _768\"/>ver in<span class=\"__12 _768\"/>tj\u00e4nandeperio-<span class=\"__12 _777\"> </span>den. A<span class=\"__12 _a_11\"/>vs\u00e4ttningen f\u00f6r sociala a<span class=\"__12 _768\"/>vgift<span class=\"__12 _768\"/>er omv\u00e4r<span class=\"__12 _768\"/>deras vid v<span class=\"__12 _768\"/>arje balansdag f\u00f6r a<span class=\"__12 _768\"/>tt s\u00e4kerst\u00e4lla a<span class=\"__12 _768\"/>tt den baseras p\u00e5 r<span class=\"__12 _768\"/>\u00e4ttigheter-<span class=\"__12 _777\"> </span>nas verkliga v\u00e4r<span class=\"__12 _768\"/>de p\u00e5 balansdagen.<span class=\"__12 _777\"> </span>Program med k<span class=\"__12 _768\"/>ontan<span class=\"__12 _768\"/>treglering<span class=\"__12 _777\"> </span>Aktie rela<span class=\"__12 _768\"/>terad ers\u00e4<span class=\"__12 _768\"/>ttning med kont<span class=\"__12 _768\"/>antreglering inneb\u00e4r a<span class=\"__12 _768\"/>tt Nordea<span class=\"ws0_12\"> f<span class=\"__12 _768\"/>\u00f6rv\u00e4rvar varor eller tj\u00e4nst<span class=\"__12 _768\"/>er genom att \u00e5dra sig en </span>f\u00f6rplik<span class=\"__12 _768\"/>telse a<span class=\"__12 _768\"/>tt \u00f6verf<span class=\"__12 _768\"/>\u00f6ra kon<span class=\"__12 _768\"/>tan<span class=\"__12 _768\"/>ter eller andra tillg\u00e5ngar till leveran<span class=\"__12 _768\"/>t\u00f6r<span class=\"__12 _768\"/>en av dessa v<span class=\"__12 _768\"/>aror eller tj\u00e4ns<span class=\"__12 _768\"/>ter till ett belopp som baseras p\u00e5 kursen p\u00e5 <span class=\"ws13_11\">Nor<span class=\"__12 _768\"/>dea<span class=\"ws0_12\">s eget kapital-instrumen<span class=\"__12 _768\"/>t. F\u00f6r </span></span>aktie rela<span class=\"__12 _768\"/>terad ers\u00e4<span class=\"__12 _768\"/>ttning med kont<span class=\"__12 _768\"/>ant reglering v<span class=\"__12 _768\"/>\u00e4rder<span class=\"__12 _768\"/>as de f\u00f6rv\u00e4rvade v<span class=\"__12 _768\"/>arorna eller tj\u00e4nsterna och den uppk<span class=\"__12 _768\"/>omna f\u00f6rplik<span class=\"__12 _768\"/><span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>telsen till det verkliga v<span class=\"__12 _768\"/>\u00e4rdet p\u00e5 skulden. Sk<span class=\"__12 _768\"/>ulden omv\u00e4r<span class=\"__12 _768\"/>deras till verkligt v\u00e4r<span class=\"__12 _768\"/>de vid rapportperiodens slut, och eventuella f<span class=\"__12 _768\"/>\u00f6r<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>\u00e4ndringar i verkligt v\u00e4r<span class=\"__12 _768\"/>de redovisas under pos<span class=\"__12 _768\"/>ten \u201dNettoresul<span class=\"__12 _768\"/><span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>tat a<span class=\"__12 _768\"/>v poster till v<span class=\"__12 _768\"/>erkligt v\u00e4rde\u201d i r<span class=\"__12 _768\"/>esulta<span class=\"__12 _768\"/>tr\u00e4kningen.<span class=\"__12 _777\"> </span>K8.4 <span class=\"__12 _787\"> </span> <span class=\"__12 _f6_4\"/>Ers\u00e4ttningar till n<span class=\"__12 _768\"/>yck<span class=\"__12 _768\"/>elpersoner i ledande positioner<span class=\"__12 _777\"> </span>Redovisningsprinciper<span class=\"__12 _777\"> </span>F\u00f6r in<span class=\"__12 _768\"/>f<span class=\"__12 _768\"/>ormation om redovisningsprinciperna, s<span class=\"__12 _768\"/>e not K8.<span class=\"__12 _a_11\"/>1 \u201dFas<span class=\"__12 _768\"/>t och r\u00f6rlig l\u00f6n\u201d<span class=\"__12 _a_11\"/>, not K8.2 \u201dPensioner<span class=\"__12 _b_11\"/>\u201d och not K8.3 \u201d<span class=\"__12 _be_5\"/>Aktierelate-<span class=\"__12 _777\"> </span>rade ers\u00e4ttningsprogr<span class=\"__12 _768\"/>am\u201d<span class=\"__12 _a_11\"/>. F\u00f6r de\ufb01nition a<span class=\"__12 _768\"/>v ny<span class=\"__12 _768\"/>ckelpersoner i ledande positioner<span class=\"__12 _a_11\"/>, se not K10.4 \u201dT<span class=\"__12 _a_11\"/>ransaktioner med n\u00e4rst\u00e5ende\u201d<span class=\"__12 _a_11\"/>. K9.<span class=\"__13 _906\"/>1 <span class=\"__13 _a_12\"> </span>Konsolider<span class=\"__13 _898\"/>ade f<span class=\"__13 _898\"/>\u00f6ret<span class=\"__13 _898\"/>ag<span class=\"__13 _15e\"> </span>Redovisningsprinciper Koncernr<span class=\"__13 _898\"/>edovisningen omf<span class=\"__13 _898\"/>att<span class=\"__13 _898\"/>ar moderf\u00f6retaget <span class=\"ws0_13\">Nor<span class=\"__13 _898\"/>dea<span class=\"ws3_12\"> Bank </span></span>Abp samt de f<span class=\"__13 _898\"/>\u00f6retag som moderf<span class=\"__13 _898\"/>\u00f6retaget har ett bes<span class=\"__13 _898\"/>t\u00e4m-<span class=\"__13 _15e\"> </span>mande inflyt<span class=\"__13 _898\"/>ande \u00f6ver<span class=\"__13 _906\"/>. Best\u00e4mmande inflyt<span class=\"__13 _898\"/>ande f\u00f6r<span class=\"__13 _898\"/>eligger n\u00e4r Nordea \u00e4r e<span class=\"__13 _898\"/>xponerat f<span class=\"__13 _898\"/>\u00f6r vola<span class=\"__13 _898\"/>tilitet i a<span class=\"__13 _898\"/>vkastningen f<span class=\"__13 _898\"/>r\u00e5n sina inves<span class=\"__13 _898\"/>teringar i ett annat f<span class=\"__13 _898\"/>\u00f6retag och kan p\u00e5<span class=\"__13 _898\"/>v<span class=\"__13 _898\"/>erka a<span class=\"__13 _898\"/>vkast-<span class=\"__13 _15e\"> </span>ningen genom sitt inflyt<span class=\"__13 _898\"/>ande \u00f6ver det andr<span class=\"__13 _898\"/>a f\u00f6r<span class=\"__13 _898\"/>etaget. Best\u00e4mmande in<span class=\"__13 _898\"/>flytande uppn\u00e5s i r<span class=\"__13 _898\"/>egel om moderf\u00f6retaget, direkt ell<span class=\"__13 _898\"/>er indirekt genom k<span class=\"__13 _898\"/>oncernf<span class=\"__13 _898\"/>\u00f6ret<span class=\"__13 _898\"/>ag, innehar mer \u00e4n <span class=\"__13 _15e\">50 procen</span><span class=\"__13 _898\"/>t av ak<span class=\"__13 _898\"/>tiernas r\u00f6s<span class=\"__13 _898\"/>tv\u00e4rde. F<span class=\"__13 _898\"/>\u00f6r f<span class=\"__13 _898\"/>\u00f6retag d\u00e4r r<span class=\"__13 _898\"/>\u00f6str\u00e4<span class=\"__13 _898\"/>tterna inte ger bes<span class=\"__13 _898\"/>t\u00e4mmande infl<span class=\"__13 _898\"/>ytande, se a<span class=\"__13 _898\"/>vsnittet \u201dStruk<span class=\"__13 _898\"/>turer<span class=\"__13 _898\"/>ade f\u00f6r<span class=\"__13 _898\"/>etag\u201d nedan.<span class=\"__13 _15e\"> </span>Samtliga konc<span class=\"__13 _898\"/>ernf<span class=\"__13 _898\"/>\u00f6retag k<span class=\"__13 _898\"/>onsolideras i enlighet med f<span class=\"__13 _898\"/>\u00f6r-<span class=\"__13 _15e\"> </span>v\u00e4rvsmetoden. Enligt f\u00f6rv\u00e4rvsmetoden betr<span class=\"__13 _898\"/>aktas k<span class=\"__13 _898\"/>\u00f6pet som en transak<span class=\"__13 _898\"/>tion d\u00e4r moderf\u00f6retaget indir<span class=\"__13 _898\"/>ekt f<span class=\"__13 _898\"/>\u00f6rv\u00e4rvar kon-<span class=\"__13 _15e\"> </span>cernf<span class=\"__13 _898\"/>\u00f6retagets tillg\u00e5ngar och \u00f6<span class=\"__13 _898\"/>vertar dess skulder och ev<span class=\"__13 _898\"/>en-<span class=\"__13 _15e\"> </span>tualf\u00f6rplik<span class=\"__13 _898\"/>telser<span class=\"__13 _906\"/><span class=\"__13 _15e\">. Koncernens anskaffningsv</span><span class=\"__13 _898\"/>\u00e4rde ber\u00e4knas med hj\u00e4lp av en f<span class=\"__13 _898\"/>\u00f6rv\u00e4rvsanalys. Vid analys<span class=\"__13 _898\"/>en fas<span class=\"__13 _898\"/>tst\u00e4lls <span class=\"__13 _15e\">anskaffningsv</span><span class=\"__13 _898\"/>\u00e4rdet till summan, p\u00e5 \u00f6v<span class=\"__13 _898\"/>erl\u00e5telsedagen, a<span class=\"__13 _898\"/>v verkligt v\u00e4r<span class=\"__13 _898\"/>de p\u00e5 \u00f6verl\u00e5<span class=\"__13 _898\"/>tna tillg\u00e5ngar<span class=\"__13 _898\"/>, uppk<span class=\"__13 _898\"/>omna eller \u00f6ver-<span class=\"__13 _15e\"> </span>tagna skulder sam<span class=\"__13 _898\"/>t av f<span class=\"__13 _898\"/>\u00f6rv\u00e4rvaren emitt<span class=\"__13 _898\"/>erade eget kapital<span class=\"__13 _898\"/>-<span class=\"__13 _15e\"> </span>instrument, i utbyte mo<span class=\"__13 _898\"/>t de f\u00f6rv\u00e4rvade iden<span class=\"__13 _898\"/>ti\ufb01erbara nett<span class=\"__13 _898\"/>otill-<span class=\"__13 _15e\"> </span>g\u00e5ngarna. Kostnader s<span class=\"__13 _898\"/>om \u00e4r direk<span class=\"__13 _898\"/>t h\u00e4nf<span class=\"__13 _898\"/>\u00f6rliga till r\u00f6relse<span class=\"__13 _898\"/>f\u00f6r-<span class=\"__13 _15e\"> </span>v\u00e4rvet kostnadsf<span class=\"__13 _898\"/>\u00f6rs. P\u00e5 f<span class=\"__13 _898\"/>\u00f6rv\u00e4rvsdagen redovisar Nordea de f<span class=\"__13 _898\"/>\u00f6rv\u00e4rvade iden<span class=\"__13 _898\"/>ti-<span class=\"__13 _15e\"> </span>\ufb01erbara tillg\u00e5ngarna och \u00f6v<span class=\"__13 _898\"/>ertagna skulderna till verkligt v\u00e4rde per f<span class=\"__13 _898\"/>\u00f6rv\u00e4rvsdagen. F\u00f6r v<span class=\"__13 _898\"/>arje r\u00f6relsef<span class=\"__13 _898\"/>\u00f6rv\u00e4rv v\u00e4rder<span class=\"__13 _898\"/>ar Nordea minoritetsin<span class=\"__13 _898\"/>tres-<span class=\"__13 _15e\"> </span>sena i den f\u00f6rv\u00e4rvade r<span class=\"__13 _898\"/>\u00f6relsen an<span class=\"__13 _898\"/>tingen till verkligt v\u00e4r<span class=\"__13 _898\"/>de eller till innehav<span class=\"__13 _898\"/>ets proportionella andel av den f<span class=\"__13 _898\"/>\u00f6rv\u00e4rvade r\u00f6relsens netto<span class=\"__13 _898\"/>tillg\u00e5ngar<span class=\"__13 _b_12\"/>.<span class=\"__13 _15e\"> </span>Om summan av den ers\u00e4ttning s<span class=\"__13 _898\"/>om betalas vid ett r\u00f6relse-<span class=\"__13 _15e\"> </span>f\u00f6rv\u00e4rv och det belopp som redo<span class=\"__13 _898\"/>visas som minoritetsintr<span class=\"__13 _b_12\"/>es-<span class=\"__13 _15e\"> </span>sen \u00f6verstiger det v<span class=\"__13 _b_12\"/>erkliga nettov\u00e4rdet p\u00e5 iden<span class=\"__13 _898\"/>ti\ufb01erbara till-<span class=\"__13 _15e\"> </span>g\u00e5ngar<span class=\"__13 _b_12\"/>, skulder och even<span class=\"__13 _b_12\"/>tualf\u00f6rpliktelser r<span class=\"__13 _b_12\"/>edovisas skillnaden som goodwill. Om skillnaden \u00e4r negativ redovisas den dir<span class=\"__13 _b_12\"/>ekt i resulta<span class=\"__13 _b_12\"/>tr\u00e4kningen.<span class=\"__13 _15e\"> </span>Eget kapit<span class=\"__13 _898\"/>al och resulta<span class=\"__13 _b_12\"/>t h\u00e4nf\u00f6rliga till minoritetsin<span class=\"__13 _b_12\"/>tressen redovisas p\u00e5 separ<span class=\"__13 _b_12\"/>ata rader i balans- och resulta<span class=\"__13 _b_12\"/>tr\u00e4kningen samt i r<span class=\"__13 _898\"/>apport \u00f6ver totalr<span class=\"__13 _b_12\"/>esultat. Koncernin<span class=\"__13 _b_12\"/>terna transaktioner sam<span class=\"__13 _b_12\"/>t fordringar och skulder mellan koncern<span class=\"__13 _898\"/>f\u00f6r<span class=\"__13 _898\"/>etagen elimineras.<span class=\"__13 _15e\"> </span>Koncern<span class=\"__13 _b_12\"/>f\u00f6retagen ing\u00e5r i koncernr<span class=\"__13 _b_12\"/>edovisningen fr\u00e5n den dag det best\u00e4mmande in<span class=\"__13 _898\"/>flytandet \u00f6<span class=\"__13 _898\"/>ver f<span class=\"__13 _898\"/>\u00f6retaget \u00f6v<span class=\"__13 _b_12\"/>erg\u00e5r till Nordea. Kons<span class=\"__13 _898\"/>olideringen upph\u00f6r n\u00e4r best\u00e4mmande in<span class=\"__13 _898\"/>flytan-<span class=\"__13 _15e\"> </span>de inte l\u00e4ngr<span class=\"__13 _b_12\"/>e existerar<span class=\"__13 _906\"/>. I samband med konsolideringen anpassas koncern<span class=\"__13 _b_12\"/>f\u00f6reta-<span class=\"__13 _15e\"> </span>gens redovisning f<span class=\"__13 _b_12\"/>\u00f6r att uppn\u00e5 \u00f6verenss<span class=\"__13 _898\"/>t\u00e4mmelse med de IFRS-principer som Nordea till\u00e4mpa<span class=\"__13 _15e\"> </span>r<span class=\"__13 _15e\"> </span>K9.2 <span class=\"__13 _933\"> </span> V<span class=\"__13 _906\"/>alutaomr\u00e4kning <span class=\"__13 _934\"> </span>a<span class=\"__13 _b_12\"/>v utl\u00e4ndska f<span class=\"__13 _b_12\"/>\u00f6retag/\ufb01lialer<span class=\"__13 _15e\"> </span>Redovisningsprinciper<span class=\"__13 _15e\"> </span>Koncernr<span class=\"__13 _898\"/>edovisningen uppr\u00e4<span class=\"__13 _b_12\"/>ttas i euro. Vid omr\u00e4kningen a<span class=\"__13 _898\"/>v de utl\u00e4ndska f\u00f6r<span class=\"__13 _b_12\"/>etagens och \ufb01lialernas \ufb01nansiella rapporter till euro fr<span class=\"__13 _898\"/>\u00e5n deras respek<span class=\"__13 _b_12\"/>tive funktionella v<span class=\"__13 _b_12\"/>aluta, omr\u00e4knas tillg\u00e5ngar och skulder till balansdagens kurs, medan pos<span class=\"__13 _898\"/>ter i resulta<span class=\"__13 _b_12\"/>tr\u00e4kningen och i rapporten \u00f6ver tot<span class=\"__13 _898\"/>alresulta<span class=\"__13 _b_12\"/>t omr\u00e4knas till \u00e5rets genomsnittskurs. Genomsnittskursen ber<span class=\"__13 _898\"/>\u00e4knas uti-<span class=\"__13 _15e\"> </span>fr\u00e5n dagliga v<span class=\"__13 _b_12\"/>\u00e4xelkurser dividerat med an<span class=\"__13 _b_12\"/>talet bankdagar <span class=\"__13 _15e\">under perioden. Omr\u00e4kningsdiff</span><span class=\"__13 _b_12\"/>erenser redovisas i \u00f6vrigt totalr<span class=\"__13 _898\"/>esultat och ack<span class=\"__13 _b_12\"/>umuleras i reserven f\u00f6r omr<span class=\"__13 _b_12\"/>\u00e4kning av utl\u00e4ndsk verksamhet under eget kapital.<span class=\"__13 _15e\"> </span>Goodwill och justeringar till verkligt v<span class=\"__13 _b_12\"/>\u00e4rde fr\u00e5n f<span class=\"__13 _898\"/>\u00f6rv\u00e4rv av koncern<span class=\"__13 _898\"/>f\u00f6r<span class=\"__13 _898\"/>etag hanter<span class=\"__13 _b_12\"/>as som poster i samma funk<span class=\"__13 _898\"/>tionella valuta som den kassagener<span class=\"__13 _b_12\"/>erande enheten till vilken de h\u00f6r<span class=\"__13 _b_12\"/>, och omr\u00e4knas ocks\u00e5 till balansdagens kurs. E<span class=\"__13 _898\"/>ventuell<span class=\"__13 _b_12\"/>t kvarst\u00e5ende eget kapital i utl\u00e4ndska \ufb01lialer omr\u00e4knas till balansdagens kurs, och omr<span class=\"__13 _898\"/><span class=\"__13 _15e\">\u00e4kningsdiffer</span><span class=\"__13 _b_12\"/>enser redovisas under \u00f6vrigt t<span class=\"__13 _b_12\"/>otalresultat.<span class=\"__13 _15e\"> </span>Vid avyttring a<span class=\"__13 _b_12\"/>v en utl\u00e4ndsk verksamhet omklassi\ufb01ceras det ackumulerade beloppet f<span class=\"__13 _b_12\"/><span class=\"__13 _15e\">\u00f6r valutakursdiff</span><span class=\"__13 _b_12\"/>erenser avse-<span class=\"__13 _15e\"> </span>ende den utl\u00e4ndska verksamheten \u2013 redo<span class=\"__13 _b_12\"/>visat under \u00f6vrigt totalr<span class=\"__13 _898\"/>esultat och ack<span class=\"__13 _b_12\"/>umulerat i reserven f<span class=\"__13 _898\"/>\u00f6r omr\u00e4kning a<span class=\"__13 _b_12\"/>v utl\u00e4ndsk verksamhet under eget kapital \u2013 fr<span class=\"__13 _b_12\"/>\u00e5n eget kapital till resulta<span class=\"__13 _b_12\"/>tr\u00e4kningen i samband med att vinsten eller f<span class=\"__13 _b_12\"/>\u00f6rlus-<span class=\"__13 _15e\"> </span>ten fr\u00e5n a<span class=\"__13 _b_12\"/>vyttringen redovisas.<span class=\"__13 _15e\"> </span>K9.3   <span class=\"__13 _950\"/>Aktier och andelar i in<span class=\"__13 _b_12\"/>tressef<span class=\"__13 _b_12\"/>\u00f6retag och joint v<span class=\"__13 _b_12\"/>entures<span class=\"__13 _15e\"> </span>Redovisningsprinciper Intre<span class=\"__13 _898\"/>ssef\u00f6r<span class=\"__13 _b_12\"/>etag \u00e4r f\u00f6retag d\u00e4r Nordeas r<span class=\"__13 _898\"/>\u00f6str\u00e4<span class=\"__13 _b_12\"/>ttsandel uppg\u00e5r till mellan 20 procen<span class=\"__13 _b_12\"/>t och 50 procent och/<span class=\"__13 _b_12\"/>eller d\u00e4r Nordea har ett betydande infl<span class=\"__13 _b_12\"/>ytande. Betydande inflytande \u00e4r r<span class=\"__13 _b_12\"/>\u00e4tten att delta i beslut som r<span class=\"__13 _b_12\"/>\u00f6r f\u00f6retagets \ufb01nansiella och opera<span class=\"__13 _898\"/>tiva stra<span class=\"__13 _b_12\"/>tegier<span class=\"__13 _898\"/>, men ger inte ett bes<span class=\"__13 _b_12\"/>t\u00e4mmande inflytande eller gemensamt bes<span class=\"__13 _898\"/>t\u00e4mmande infl<span class=\"__13 _b_12\"/>ytande \u00f6ver dessa.<span class=\"__13 _15e\"> </span>Joint ven<span class=\"__13 _b_12\"/>tures \u00e4r f\u00f6ret<span class=\"__13 _898\"/>ag som Nordea har ett gemensam<span class=\"__13 _898\"/>t best\u00e4mmande in<span class=\"__13 _b_12\"/>flytande \u00f6ver<span class=\"__13 _b_12\"/>. Med gemensamt bes<span class=\"__13 _898\"/>t\u00e4mman-<span class=\"__13 _15e\"> </span>de inflyt<span class=\"__13 _b_12\"/>ande avses att tv\u00e5 eller fler<span class=\"__13 _b_12\"/>a par<span class=\"__13 _c_12\"/>ter i a<span class=\"__13 _b_12\"/>vtal reglerat att gemensamt ut\u00f6<span class=\"__13 _b_12\"/>va best\u00e4mmande infl<span class=\"__13 _898\"/>ytande \u00f6ver en ek<span class=\"__13 _898\"/>ono-<span class=\"__13 _15e\"> </span>misk verksamhet.<span class=\"__13 _15e\"> </span>Intre<span class=\"__13 _898\"/>ssef\u00f6r<span class=\"__13 _b_12\"/>etag och joint ventur<span class=\"__13 _898\"/>es inkluderas i k<span class=\"__13 _898\"/>oncernre-<span class=\"__13 _15e\"> </span>dovisningen och presen<span class=\"__13 _b_12\"/>teras enligt kapitalandelsmetoden. Vid f\u00f6rsta r<span class=\"__13 _b_12\"/>edovisningstillf\u00e4llet redo<span class=\"__13 _b_12\"/>visas investeringen till <span class=\"__13 _15e\">anskaffningsv</span><span class=\"__13 _b_12\"/>\u00e4rdet<span class=\"__13 _c_12\"/>. V<span class=\"__13 _b_12\"/>erkligt v\u00e4rde allokeras till in<span class=\"__13 _b_12\"/>tressef\u00f6re-<span class=\"__13 _15e\"> </span>tagens och joint v<span class=\"__13 _898\"/>enture-f<span class=\"__13 _b_12\"/>\u00f6retagens identi\ufb01erbara tillg\u00e5ngar<span class=\"__13 _906\"/>, skulder och even<span class=\"__13 _b_12\"/>tualf\u00f6rplikt<span class=\"__13 _898\"/>elser<span class=\"__13 _b_12\"/>. En eventuell skillnad mellan Nordeas andel a<span class=\"__13 _b_12\"/>v det verkliga v\u00e4rdet p\u00e5 de f\u00f6rv\u00e4rvade iden<span class=\"__13 _b_12\"/>ti-<span class=\"__13 _15e\"> </span>\ufb01erbara netto<span class=\"__13 _898\"/>tillg\u00e5ngarna och k\u00f6peskillingen \u00e4r goodwill eller negativ goodwill. Goodwill inkluderas i in<span class=\"__13 _b_12\"/>tressef\u00f6reta<span class=\"__13 _b_12\"/>-<span class=\"__13 _15e\"> </span>gens och joint ven<span class=\"__13 _b_12\"/>ture-f\u00f6retagens redo<span class=\"__13 _b_12\"/>visade v\u00e4rde.    Andelar i in<span class=\"__13 _b_12\"/>tressef\u00f6retags och join<span class=\"__13 _b_12\"/>t ventures r<span class=\"__13 _b_12\"/>esultat enligt kapitalandelsmetoden de\ufb01nieras s<span class=\"__13 _898\"/>om v\u00e4rdef<span class=\"__13 _b_12\"/>\u00f6r\u00e4ndring-<span class=\"__13 _15e\"> </span><span class=\"__13 _15e\">en, efter anskaff</span><span class=\"__13 _898\"/>ningsdagen, av Nor<span class=\"__13 _b_12\"/>deas andel av intre<span class=\"__13 _898\"/>ssef\u00f6-<span class=\"__13 _15e\"> </span>retagets och join<span class=\"__13 _898\"/>t ventur<span class=\"__13 _b_12\"/>e-<span class=\"__13 _c_12\"/>f\u00f6r<span class=\"__13 _b_12\"/>etagets nettotillg\u00e5ngar<span class=\"__13 _b_12\"/>. Nordeas andel av pos<span class=\"__13 _b_12\"/>ter redovisade i intre<span class=\"__13 _898\"/>ssef\u00f6r<span class=\"__13 _b_12\"/>etagens och joint  <span class=\"__13 _d_12\"/>venture-f<span class=\"__13 _b_12\"/>\u00f6retagens \u00f6vriga totalre<span class=\"__13 _898\"/>sultat r<span class=\"__13 _898\"/>edovisas i \u00f6vrigt<span class=\"__13 _15e\"> </span>total r<span class=\"__13 _898\"/>esultat <span class=\"__13 _935\"> </span>i <span class=\"__13 _935\"> </span><span class=\"ws0_13\">Nordea. Andelar i intr<span class=\"__13 _898\"/>essef<span class=\"__13 _898\"/>\u00f6retags och join<span class=\"__13 _898\"/>t<span class=\"__13 _15e\"> </span></span><span class=\"ws0_13\"> </span>ventur<span class=\"__13 _b_12\"/>es resultat enligt kapitalandelsmetoden r<span class=\"__13 _b_12\"/>edovisas i<span class=\"__13 _15e\"> </span> resulta<span class=\"__13 _b_12\"/>tr\u00e4kningen efter skatt. Skattekostnaden h\u00e4n<span class=\"__13 _b_12\"/>f\u00f6rlig till<span class=\"__13 _15e\"> </span> dessa resulta<span class=\"__13 _b_12\"/>tandelar ing\u00e5r f\u00f6ljaktligen in<span class=\"__13 _b_12\"/>te i Nordeas redovi-<span class=\"__13 _15e\"> </span>sade skattekos<span class=\"__13 _b_12\"/>tnad. Erh\u00e5llna utdelningar redovisas som en<span class=\"__13 _15e\"> </span> minskning av det r<span class=\"__13 _b_12\"/>edovisade v\u00e4rdet.  Om det \ufb01nns indikationer p\u00e5 nedskrivningsbehov (f<span class=\"__13 _b_12\"/>\u00f6rlust-<span class=\"__13 _15e\"> </span>h\u00e4ndelser) genomf<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>s nedskrivningspr\u00f6vningar f<span class=\"__13 _b_12\"/>\u00f6r att bed\u00f6-<span class=\"__13 _15e\"> </span>ma om det \ufb01nns objektiv<span class=\"__13 _898\"/>a bel\u00e4gg f\u00f6r nedskrivning. Det r<span class=\"__13 _898\"/>edo-<span class=\"__13 _15e\"> </span>visade v\u00e4rdet p\u00e5 in<span class=\"__13 _898\"/>vest<span class=\"__13 _898\"/>eringen i intre<span class=\"__13 _898\"/>ssef\u00f6r<span class=\"__13 _b_12\"/>etaget eller joint<span class=\"__13 _15e\"> </span> ventur<span class=\"__13 _b_12\"/>e-<span class=\"__13 _c_12\"/>f\u00f6r<span class=\"__13 _b_12\"/>etaget j\u00e4mf\u00f6rs med \u00e5tervinningsv\u00e4r<span class=\"__13 _898\"/>det (det h\u00f6gre<span class=\"__13 _15e\"> </span> av n<span class=\"__13 _b_12\"/>yttjandev\u00e4rdet och verkligt v\u00e4r<span class=\"__13 _898\"/>de minus f\u00f6rs\u00e4ljningskos<span class=\"__13 _898\"/>t-<span class=\"__13 _15e\"> </span>nader) och det redovisade v<span class=\"__13 _898\"/>\u00e4rdet skrivs ner till \u00e5tervinnings-<span class=\"__13 _15e\"> </span>v\u00e4rdet, om erforderligt. Nedskrivning av ak<span class=\"__13 _b_12\"/>tier och andelar i<span class=\"__13 _15e\"> </span> intre<span class=\"__13 _898\"/>ssef\u00f6r<span class=\"__13 _b_12\"/>etag och joint ventur<span class=\"__13 _898\"/>es klassi\ufb01ceras som \u201d<span class=\"__13 _906\"/>Andelar i<span class=\"__13 _15e\"> </span> intre<span class=\"__13 _898\"/>ssef\u00f6r<span class=\"__13 _b_12\"/>etags och joint ventur<span class=\"__13 _898\"/>es resulta<span class=\"__13 _b_12\"/>t enligt kapitalan-<span class=\"__13 _15e\"> </span>delsmetoden\u201d i result<span class=\"__13 _898\"/>atr\u00e4kningen.<span class=\"__13 _15e\"> </span>Nedskrivningar \u00e5terf<span class=\"__13 _898\"/>\u00f6rs om \u00e5tervinningsv\u00e4rdet \u00f6kar<span class=\"__13 _906\"/>. Det<span class=\"__13 _15e\"> </span> redovisade v<span class=\"__13 _898\"/>\u00e4rdet \u00f6kas d\u00e5 till \u00e5t<span class=\"__13 _898\"/>ervinningsv\u00e4rdet, men kan<span class=\"__13 _15e\"> </span> inte \u00f6<span class=\"__13 _b_12\"/>verstiga vad det redovisade v\u00e4r<span class=\"__13 _b_12\"/>det varit om en nedskriv<span class=\"ws0_13\">-<span class=\"__13 _15e\"> </span></span>ning inte r<span class=\"__13 _b_12\"/>edovisats i f\u00f6rsta l\u00e4get.<span class=\"__13 _15e\"> </span>Nordea genomf<span class=\"__13 _b_12\"/>\u00f6r i regel inga transaktioner med in<span class=\"__13 _b_12\"/>tresse-<span class=\"__13 _15e\"> </span>f\u00f6r<span class=\"__13 _898\"/>etag och joint v<span class=\"__13 _898\"/>enture<span class=\"__13 _898\"/>s som omf<span class=\"__13 _b_12\"/>attar f\u00f6rs\u00e4ljning eller \u00f6ver-<span class=\"__13 _15e\"> </span>f\u00f6ring a<span class=\"__13 _b_12\"/>v tillg\u00e5ngar<span class=\"__13 _b_12\"/>, men om s\u00e5dana transaktioner sker elimi-<span class=\"__13 _15e\"> </span>neras Nordeas andel a<span class=\"__13 _b_12\"/>v eventuell vinst r<span class=\"__13 _b_12\"/>edovisad i intressef<span class=\"__13 _b_12\"/>\u00f6<span class=\"__13 _c_12\"/>-<span class=\"__13 _15e\"> </span>retaget eller join<span class=\"__13 _898\"/>t ven<span class=\"__13 _898\"/>ture-f\u00f6ret<span class=\"__13 _898\"/>aget. \u00d6vriga transaktioner<span class=\"__13 _15e\"> </span> mellan Nordea och dess in<span class=\"__13 _898\"/>tressef<span class=\"__13 _b_12\"/>\u00f6retag och joint ven<span class=\"__13 _b_12\"/>tures eli-<span class=\"__13 _15e\"> </span>mineras in<span class=\"__13 _898\"/>te.<span class=\"__13 _15e\"> </span>F\u00f6r vissa in<span class=\"__13 _b_12\"/>tressef\u00f6ret<span class=\"__13 _898\"/>ag och joint ven<span class=\"__13 _b_12\"/>tures som inte \u00e4r<span class=\"__13 _15e\"> </span> enskilt betydande baser<span class=\"__13 _b_12\"/>as f\u00f6r\u00e4ndringar i Nordeas andel a<span class=\"__13 _b_12\"/>v<span class=\"__13 _15e\"> </span> nettotillg\u00e5ngarna p\u00e5 in<span class=\"__13 _b_12\"/>tressef\u00f6retagens e<span class=\"__13 _b_12\"/>xterna rapportering<span class=\"__13 _15e\"> </span> och p\u00e5v<span class=\"__13 _b_12\"/>erkar Nordeas \ufb01nansiella rapporter i den period d\u00e5<span class=\"__13 _15e\"> </span> inf<span class=\"__13 _b_12\"/>ormationen blir tillg\u00e4nglig. Rapporteringen fr\u00e5n intr<span class=\"__13 _898\"/>essef<span class=\"__13 _898\"/>\u00f6-<span class=\"__13 _15e\"> </span>retagen och join<span class=\"__13 _898\"/>t ventur<span class=\"__13 _b_12\"/>e <span class=\"__13 _936\"/>f\u00f6r<span class=\"__13 _898\"/>etagen anpassas, d\u00e4r det \u00e4r till-<span class=\"__13 _15e\"> </span>l\u00e4mpligt, till Nordeas redovisningsprinciper<span class=\"__13 _b_12\"/>.<span class=\"__13 _15e\"> </span>Inves<span class=\"__13 _b_12\"/>teringar inom ramen f\u00f6r Nordeas in<span class=\"__13 _898\"/>vest<span class=\"__13 _898\"/>eringsverk<span class=\"__13 _b_12\"/>-<span class=\"__13 _15e\"> </span>samhet (klassi\ufb01cerad som del a<span class=\"__13 _b_12\"/>v Nordeas riskkapitalorgani-<span class=\"__13 _15e\"> </span>sation) v\u00e4r<span class=\"__13 _898\"/>deras till verkligt v<span class=\"__13 _b_12\"/>\u00e4rde i enlighet med reglerna i<span class=\"__13 _15e\"> </span> IAS 28 och IFRS 9.<span class=\"__13 _15e\"> </span><div class=\"t_13 m0_13 h5_12 ff1_13 fs3_12 fc0_13 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:487.20154px;\">K9.4  Andelar i struktur<span class=\"__13 _b_12\"/>erade f\u00f6r<span class=\"__13 _b_12\"/>etag<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h6_12 ff1_13 fs4_12 fc1_12 sc0_13 ls0_13 ws0_13\" style=\"left:7.383362px; bottom:460.14465px;\">Redovisningsprinciper<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:435.56036px;\">Ett struk<span class=\"__13 _898\"/>turera<span class=\"__13 _898\"/>t f\u00f6r<span class=\"__13 _898\"/>etag \u00e4r ett f\u00f6r<span class=\"__13 _b_12\"/>etag som bildats f\u00f6r att uppn\u00e5 </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:422.03516px;\">ett begr\u00e4nsat och v<span class=\"__13 _b_12\"/>\u00e4lde\ufb01nierat syfte, d\u00e4r r\u00f6str\u00e4<span class=\"__13 _b_12\"/>tten inte \u00e4r den </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:408.50995px;\">av<span class=\"__13 _b_12\"/>g\u00f6rande fakt<span class=\"__13 _898\"/>orn f\u00f6r a<span class=\"__13 _b_12\"/>tt avg\u00f6ra om bes<span class=\"__13 _898\"/>t\u00e4mmande infl<span class=\"__13 _b_12\"/>ytande </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:394.98474px;\">f\u00f6r<span class=\"__13 _898\"/>eligger<span class=\"__13 _b_12\"/>. Ofta \ufb01nns juridiska arrangemang som inneb\u00e4r strik<span class=\"__13 _b_12\"/>-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:381.45953px;\">ta begr\u00e4nsningar f<span class=\"__13 _b_12\"/>\u00f6r ledningens beslutander\u00e4tt i fr<span class=\"__13 _b_12\"/>\u00e5ga om den </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:367.93433px;\">l\u00f6pande verksamheten i ett struk<span class=\"__13 _b_12\"/>turerat f<span class=\"__13 _b_12\"/>\u00f6retag. Samma kon-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:354.40912px;\">solideringskra<span class=\"__13 _b_12\"/>v g\u00e4ller f\u00f6r dessa f\u00f6r<span class=\"__13 _b_12\"/>etag, men eftersom aktier-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:340.88397px;\">nas r\u00f6str<span class=\"__13 _898\"/>\u00e4tt in<span class=\"__13 _898\"/>te \u00e4r det som a<span class=\"__13 _b_12\"/>vg\u00f6r om best\u00e4mmande infl<span class=\"__13 _898\"/>ytande </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:327.35876px;\">f\u00f6r<span class=\"__13 _898\"/>eligger<span class=\"__13 _b_12\"/>, anv\u00e4nds andra f<span class=\"__13 _b_12\"/>aktorer f<span class=\"__13 _b_12\"/>\u00f6r att avg\u00f6r<span class=\"__13 _b_12\"/>a detta.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:12.908623px; bottom:313.83356px;\">Inflyt<span class=\"__13 _898\"/>ande kan f\u00f6r<span class=\"__13 _b_12\"/>eligga till f\u00f6ljd av a<span class=\"__13 _b_12\"/>vtal eller genom andra </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:300.30835px;\">typer av in<span class=\"__13 _b_12\"/>flytande \u00f6ver ett struk<span class=\"__13 _b_12\"/>turerat f<span class=\"__13 _b_12\"/>\u00f6retag. Detta \u00e4r nor-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:286.78314px;\">malt fallet n\u00e4r Nor<span class=\"__13 _b_12\"/>dea har gett st\u00f6d till eller bildat ett struk<span class=\"__13 _b_12\"/>tu-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:273.25793px;\">rera<span class=\"__13 _898\"/>t f\u00f6r<span class=\"__13 _898\"/>etag eller n\u00e4r Nordea \u00e4r kapitalf<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>valt<span class=\"__13 _898\"/>are och efter </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:259.73273px;\">eget gott\ufb01nnande f<span class=\"__13 _898\"/>attar beslut om in<span class=\"__13 _b_12\"/>vesteringar och andra </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:246.20752px;\">administra<span class=\"__13 _b_12\"/>tiva fr\u00e5gor<span class=\"__13 _b_12\"/>.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls9_12 ws0_13\" style=\"left:12.908623px; bottom:232.68237px;\">\u00c4<span class=\"__13 _b_12\"/>ven volatilitet i a<span class=\"__13 _b_12\"/>vkastningen \u00e4r en f\u00f6ruts\u00e4<span class=\"__13 _b_12\"/>ttning f\u00f6r konsoli<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls9_12 ws0_13\" style=\"left:0.013267517px; bottom:219.15717px;\">dering. Service- och provisionsa<span class=\"__13 _b_12\"/>vgifter i samband med bildan<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls9_12 ws0_13\" style=\"left:0.013267517px; bottom:205.63196px;\">det av s<span class=\"__13 _b_12\"/>trukturerade f<span class=\"__13 _b_12\"/>\u00f6retag \u00e4r i regel inte tillr<span class=\"__13 _b_12\"/>\u00e4ckligt stora f\u00f6r </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls9_12 ws0_13\" style=\"left:0.013267517px; bottom:192.10675px;\">att f<span class=\"__13 _898\"/>\u00f6ranleda konsolidering, och detsamma g\u00e4ller om <span class=\"ws10_12\">Nor<span class=\"__13 _b_12\"/>dea<span class=\"__13 _c_12\"/><span class=\"ls0_13 ws0_13\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls9_12 ws0_13\" style=\"left:0.013267517px; bottom:178.58154px;\">har rollen som kapitalf<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>valtar<span class=\"__13 _b_12\"/>e eller f\u00f6rvaringsinstitut. Finan<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls9_12 ws0_13\" style=\"left:0.013267517px; bottom:165.05634px;\">siering i form a<span class=\"__13 _b_12\"/>v fondandelar<span class=\"__13 _b_12\"/>, l\u00e5n eller kreditl\u00f6ften kan r<span class=\"__13 _b_12\"/>esultera </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls9_12 ws0_13\" style=\"left:0.013267517px; bottom:151.53113px;\">i betydande vola<span class=\"__13 _898\"/>tilitet i a<span class=\"__13 _898\"/>vkastningen. Om <span class=\"ws10_12\">Nordea</span> \u00e4r e<span class=\"__13 _b_12\"/>xponerat </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls9_12 ws0_13\" style=\"left:0.013267517px; bottom:138.00592px;\">f\u00f6r v<span class=\"__13 _898\"/>olatilitet i a<span class=\"__13 _b_12\"/>vkastningen och inflytandet \u00f6<span class=\"__13 _b_12\"/>ver f\u00f6retagen </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls9_12 ws0_13\" style=\"left:0.013267517px; bottom:124.48071px;\">p\u00e5v<span class=\"__13 _b_12\"/>erkar avkastningen, s\u00e5 ska dessa s<span class=\"__13 _898\"/>truktur<span class=\"__13 _898\"/>erade f<span class=\"__13 _b_12\"/>\u00f6retag kon<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls9_12 ws10_12\" style=\"left:0.013267517px; bottom:110.95557px;\">solideras. Nor<span class=\"__13 _898\"/>dea<span class=\"ws0_13\"> bed\u00f6mer normalt att en andel uppg\u00e5ende till </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls9_12 ws0_13\" style=\"left:0.013267517px; bottom:97.43036px;\">mer \u00e4n 30 procen<span class=\"__13 _b_12\"/>t av avkas<span class=\"__13 _b_12\"/>tningen i ett strukturera<span class=\"__13 _b_12\"/>t f\u00f6retag ger </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls9_12 ws0_13\" style=\"left:0.013267517px; bottom:83.90515px;\">upphov till vola<span class=\"__13 _898\"/>tilitet i a<span class=\"__13 _898\"/>vkastningen och d\u00e4rmed bes<span class=\"__13 _898\"/>t\u00e4mmande </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls9_12 ws0_13\" style=\"left:0.013267517px; bottom:70.379944px;\">inflyt<span class=\"__13 _898\"/>ande. V<span class=\"__13 _b_12\"/>olatilitet i avkas<span class=\"__13 _b_12\"/>tningen ber\u00e4knas som summan av </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls9_12 ws0_13\" style=\"left:0.013267517px; bottom:56.854736px;\">de av<span class=\"__13 _b_12\"/>gifter som erh\u00e5lls och omv\u00e4rdering a<span class=\"__13 _b_12\"/>v de tillg\u00e5ngar som </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls9_12 ws0_13\" style=\"left:0.013267517px; bottom:43.32953px;\">innehas. F\u00f6r f<span class=\"__13 _b_12\"/>ondf\u00f6rs\u00e4kringar och andra kon<span class=\"__13 _b_12\"/>trakt d\u00e4r f\u00f6rs\u00e4k<span class=\"__13 _b_12\"/><span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls9_12 ws0_13\" style=\"left:0.013267517px; bottom:29.804321px;\">ringstagaren/ins\u00e4<span class=\"__13 _b_12\"/>ttaren best\u00e4mmer b\u00e5de belopp och vilka till<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls9_12 ws0_13\" style=\"left:0.013267517px; bottom:16.279144px;\">g\u00e5ngar som <span class=\"ws10_12\">Nordea</span> ska inv<span class=\"__13 _b_12\"/>estera i, anses <span class=\"ws10_12\">Nordea</span> v<span class=\"__13 _b_12\"/>ara agent </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls9_12 ws0_13\" style=\"left:0.013267517px; bottom:2.7539368px;\">och d\u00e4rmed inte ha bes<span class=\"__13 _b_12\"/>t\u00e4mmande inflytande.<span class=\"__13 _15e\"> </span></div>K9.5   <span class=\"__13 _950\"/>Tillg\u00e5ngar och sk<span class=\"__13 _898\"/>ulder som innehas f<span class=\"__13 _898\"/>\u00f6r f<span class=\"__13 _898\"/>\u00f6rs\u00e4ljning<span class=\"__13 _15e\"> </span>Redovisningsprinciper<span class=\"__13 _15e\"> </span>Enskilda tillg\u00e5ngar och avyttrings<span class=\"__13 _898\"/>grupper med tillg\u00e5ngar och skulder redo<span class=\"__13 _898\"/>visas p\u00e5 separat<span class=\"__13 _898\"/>a rader i balansr\u00e4kningen, \u201dTill<span class=\"__13 _b_12\"/>-<span class=\"__13 _15e\"> </span>g\u00e5ngar som innehas f\u00f6r f<span class=\"__13 _b_12\"/>\u00f6rs\u00e4ljning\u201d respektive \u201dSk<span class=\"__13 _898\"/>ulder som innehas f\u00f6r f<span class=\"__13 _b_12\"/>\u00f6rs\u00e4ljning\u201d<span class=\"__13 _b_12\"/>, fr\u00e5n klassi\ufb01ceringsdagen. Detta sker n\u00e4r f<span class=\"__13 _b_12\"/>\u00f6ljande kriterier uppfylls:<span class=\"__13 _15e\"> </span>\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Det redovisade v<span class=\"__13 _898\"/>\u00e4rdet kommer i huvudsak att \u00e5<span class=\"__13 _b_12\"/>ter<span class=\"__13 _c_12\"/>vinnas </span>genom f\u00f6rs\u00e4ljning, in<span class=\"__13 _898\"/>te genom f<span class=\"__13 _898\"/>ortl\u00f6pande anv\u00e4ndning.<span class=\"__13 _15e\"> </span>\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Beslut om f<span class=\"__13 _898\"/>\u00f6rs\u00e4ljning har fatta<span class=\"__13 _b_12\"/>ts p\u00e5 r\u00e4tt niv\u00e5 och tillg\u00e5ngen </span>eller avyttrings<span class=\"__13 _898\"/>gruppen kan s\u00e4ljas i be\ufb01ntligt skick.<span class=\"__13 _15e\"> </span>\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">F\u00f6rs\u00e4ljningen \u00e4r my<span class=\"__13 _b_12\"/>cket sannolik och kommer att genom<span class=\"ws0_13\">-<span class=\"__13 _15e\"> </span></span></span>f\u00f6r<span class=\"__13 _b_12\"/>as inom 12 m\u00e5nader.<span class=\"__13 _15e\"> </span>Finansiella instrument v<span class=\"__13 _b_12\"/>\u00e4rderas \u00e4v<span class=\"__13 _b_12\"/>en forts\u00e4ttningsvis enligt reglerna i IFRS 9, medan icke-\ufb01nansiella tillg\u00e5ngar redovisas till det l\u00e4gre a<span class=\"__13 _b_12\"/>v redovisat v\u00e4rde och v<span class=\"__13 _898\"/>erkligt v\u00e4rde. J\u00e4m<span class=\"__13 _b_12\"/>f\u00f6rel-<span class=\"__13 _15e\"> </span><span class=\"__13 _15e\">sesiffror r</span><span class=\"__13 _b_12\"/>\u00e4knas inte om.<span class=\"__13 _15e\"> </span>K9.6 F<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>v\u00e4rv<span class=\"__13 _15e\"> </span>Redovisningsprinciper<span class=\"__13 _15e\"> </span>I samband med f\u00f6r<span class=\"__13 _898\"/>etagsf\u00f6rv\u00e4rv redo<span class=\"__13 _898\"/>visas de f\u00f6rv\u00e4rvade iden<span class=\"ws0_13\">-<span class=\"__13 _15e\"> </span></span>ti\ufb01erbara tillg\u00e5ngarna och skulderna till v<span class=\"__13 _b_12\"/>erkligt v\u00e4rde, inklu-<span class=\"__13 _15e\"> </span>sive even<span class=\"__13 _b_12\"/>tuella immateriella tillg\u00e5ngar som identi\ufb01er<span class=\"__13 _b_12\"/>ats vid f\u00f6rv\u00e4rvet. Det verkliga v\u00e4rdet, netto, p\u00e5 iden<span class=\"__13 _b_12\"/>ti\ufb01erbara till-<span class=\"__13 _15e\"> </span>g\u00e5ngar och skulder j\u00e4mf<span class=\"__13 _b_12\"/>\u00f6rs med erlagd k\u00f6peskilling och even<span class=\"__13 _898\"/>tuellt \u00f6v<span class=\"__13 _898\"/>erskott redo<span class=\"__13 _898\"/>visas som goodwill. Se \u00e4ven no<span class=\"__13 _b_12\"/>t K9.<span class=\"__13 _b_12\"/><span class=\"__13 _15e\">1 \u201dKonsolider</span><span class=\"__13 _898\"/>ade f\u00f6r<span class=\"__13 _898\"/>etag\u201d<span class=\"__13 _906\"/>.<span class=\"__13 _15e\"> </span>K10.<span class=\"__13 _906\"/>1 <span class=\"__13 _933\"> </span> Ytterligar<span class=\"__13 _b_12\"/>e <span class=\"__13 _a_12\"> </span>uppl<span class=\"__13 _b_12\"/>ysningar om rapporten \u00f6v<span class=\"__13 _b_12\"/>er f<span class=\"__13 _898\"/>\u00f6r\u00e4ndringar i eget kapital<span class=\"__13 _15e\"> </span>Redovisningsprinciper<span class=\"__13 _15e\"> </span>Eget kapit<span class=\"__13 _898\"/>al inneb\u00e4r en residual r\u00e4<span class=\"__13 _b_12\"/>tt i redovisade tillg\u00e5ngar<span class=\"__13 _b_12\"/>, efter a<span class=\"__13 _b_12\"/>vdrag f\u00f6r redo<span class=\"__13 _b_12\"/>visade skulder<span class=\"__13 _b_12\"/>. F\u00f6r eget kapital \ufb01nns inte n\u00e5got kra<span class=\"__13 _b_12\"/>v p\u00e5 att distribuera kassa<span class=\"__13 _898\"/>fl\u00f6den. Instrumen<span class=\"__13 _898\"/>ten klas<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>si\ufb01ceras som \ufb01nansiella sk<span class=\"__13 _b_12\"/>ulder om s\u00e5dana genuina krav f<span class=\"__13 _898\"/>\u00f6re<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>ligger<span class=\"__13 _b_12\"/>, ex<span class=\"__13 _898\"/>empelvis att bet<span class=\"__13 _898\"/>ala r\u00e4nt<span class=\"__13 _b_12\"/>a n\u00e4r en utl\u00f6sande h\u00e4ndelse bortom emittentens och inneha<span class=\"__13 _b_12\"/>varens kon<span class=\"__13 _b_12\"/><span class=\"__13 _15e\">troll intr\u00e4ff</span><span class=\"__13 _b_12\"/>ar<span class=\"__13 _898\"/>. Se not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d f<span class=\"__13 _b_12\"/>\u00f6r mer informa<span class=\"__13 _b_12\"/>tion inklu<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>sive de kritiska bed\u00f6mningar som <span class=\"ws10_12\">Nordea</span> an<span class=\"__13 _b_12\"/>v\u00e4nder sig av<span class=\"__13 _b_12\"/>. Alla utbetalningar f\u00f6rknippade med ins<span class=\"__13 _b_12\"/>trument klassi\ufb01ce-<span class=\"__13 _15e\"> </span>rade som eget kapital r<span class=\"__13 _898\"/>edovisas som utdelning dir<span class=\"__13 _898\"/>ekt under eget kapital. Nordea behandlar betalningar p\u00e5 \ufb01nansiella instrument klassi\ufb01c<span class=\"__13 _b_12\"/>erade som eget kapital (det vill s\u00e4ga pri-<span class=\"__13 _15e\"> </span>m\u00e4rkapitaltillsko<span class=\"__13 _b_12\"/>tt) som vinstutdelning, och d\u00e4rf\u00f6r redovisas dessa som utdelningar<span class=\"__13 _906\"/>. Utdelning till aktie\u00e4gare redovisas som minskning av eget k<span class=\"__13 _898\"/>apital efter att den or<span class=\"__13 _b_12\"/>dinarie bolags-<span class=\"__13 _15e\"> </span>st\u00e4mman har an<span class=\"__13 _898\"/>tagit f\u00f6rslaget. I situationer n\u00e4r den ordinarie bolagsst\u00e4mman har givit styr<span class=\"__13 _b_12\"/>elsen mandat att fa<span class=\"__13 _898\"/>tta beslut om utdelning upp till ett visst belopp, bokf<span class=\"__13 _b_12\"/>\u00f6rs minskningen av eget kapital n\u00e4r styrels<span class=\"__13 _898\"/>en har fa<span class=\"__13 _898\"/>ttat beslut om ut<span class=\"__13 _898\"/>delning.<span class=\"__13 _15e\"> </span>Inves<span class=\"__13 _b_12\"/>teringar i egna aktier redovisas in<span class=\"__13 _b_12\"/>te som tillg\u00e5ngar utan som en minskning a<span class=\"__13 _898\"/>v eget kapital med a<span class=\"__13 _b_12\"/>vdrag f\u00f6r ev<span class=\"__13 _898\"/>en-<span class=\"__13 _15e\"> </span>tuella transak<span class=\"__13 _898\"/>tionskostnader<span class=\"__13 _906\"/>. F\u00f6rv\u00e4rv av egna ak<span class=\"__13 _898\"/>tier inom ramen f<span class=\"__13 _b_12\"/>\u00f6r Markets handelsverksamhet redovisas som en minskning av in<span class=\"__13 _b_12\"/>vesterat f<span class=\"__13 _b_12\"/>ritt eget kapital. Egna aktier som f<span class=\"__13 _b_12\"/>\u00f6r-<span class=\"__13 _15e\"> </span>v\u00e4rvats i syfte att op<span class=\"__13 _b_12\"/>timera kapitalstruktur<span class=\"__13 _b_12\"/>en och inom ramen f\u00f6r Nor<span class=\"__13 _898\"/>deas aktie\u00e5<span class=\"__13 _898\"/>terk\u00f6psprogr<span class=\"__13 _b_12\"/>am redovisas som en minsk-<span class=\"__13 _15e\"> </span>ning av balanser<span class=\"__13 _b_12\"/>ade vinstmedel. T<span class=\"__13 _906\"/>ransak<span class=\"__13 _898\"/>tionskostnader i samband med \u00e5terk\u00f6p a<span class=\"__13 _b_12\"/>v egna aktier redovisas ocks\u00e5 under eget kapital. N\u00e4r aktier ogiltigf<span class=\"__13 _b_12\"/>\u00f6rklaras har detta inte n\u00e5gon inverkan p\u00e5 r<span class=\"__13 _898\"/>edovisningen. <span class=\"__13 _898\"/>A<span class=\"__13 _b_12\"/>vyttring av egna ak<span class=\"__13 _898\"/>tier i handels-<span class=\"__13 _15e\"> </span>verksamheten redo<span class=\"__13 _b_12\"/>visas som en \u00f6kning av inves<span class=\"__13 _b_12\"/>terat fritt eget kapital.<span class=\"__13 _15e\"> </span>Kon<span class=\"__13 _b_12\"/>trakt p\u00e5 Nordeaak<span class=\"__13 _b_12\"/>tier som kan kontant<span class=\"__13 _898\"/>avr<span class=\"__13 _b_12\"/>\u00e4knas, till ex<span class=\"__13 _b_12\"/>empel derivat s\u00e5som optioner och warr<span class=\"__13 _b_12\"/>anter<span class=\"__13 _b_12\"/>, redovisas antingen som \ufb01nansiella tillg\u00e5ngar eller sk<span class=\"__13 _b_12\"/>ulder, vilk<span class=\"__13 _b_12\"/>et bety-<span class=\"__13 _15e\"> </span>der att dessa in<span class=\"__13 _898\"/>te utg\u00f6r eget kapital<span class=\"__13 _898\"/>-instrumen<span class=\"__13 _898\"/>t. Minoritetsintr<span class=\"__13 _b_12\"/>essen omfattar den del a<span class=\"__13 _b_12\"/>v koncernf<span class=\"__13 _b_12\"/>\u00f6retags nettotillg\u00e5ngar som in<span class=\"__13 _b_12\"/>te \u00e4gs direkt eller indirek<span class=\"__13 _b_12\"/>t av Nordea Bank Abp<span class=\"__13 _898\"/>. F\u00f6r v<span class=\"__13 _b_12\"/>arje r\u00f6relsef\u00f6rv\u00e4rv v\u00e4rder<span class=\"__13 _b_12\"/>ar Nordea minori-<span class=\"__13 _15e\"> </span>tetsintr<span class=\"__13 _b_12\"/>essena i den f\u00f6rv\u00e4rvade r\u00f6relsen an<span class=\"__13 _b_12\"/>tingen till verkligt v\u00e4rde eller till inneha<span class=\"__13 _b_12\"/>vets proportionella andel av den f<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>v\u00e4r-<span class=\"__13 _15e\"> </span>vade r\u00f6r<span class=\"__13 _898\"/>elsens nettotillg\u00e5ngar<span class=\"__13 _906\"/>.<span class=\"__13 _15e\"> </span>\u00d6vriga reserver utg\u00f6rs a<span class=\"__13 _b_12\"/>v int\u00e4kter och k<span class=\"__13 _898\"/>ostnader<span class=\"__13 _b_12\"/>, netto efter skatt<span class=\"__13 _898\"/><span class=\"__13 _15e\">eeffek</span><span class=\"__13 _b_12\"/>ter<span class=\"__13 _b_12\"/>, som redovisas under eget kapital via \u00f6vrigt tot<span class=\"__13 _898\"/>alresulta<span class=\"__13 _b_12\"/>t<span class=\"__13 _c_12\"/>. Med undantag f<span class=\"__13 _b_12\"/>\u00f6r ej utdelade vinstmedel fr\u00e5n tidigar<span class=\"__13 _898\"/>e \u00e5r<span class=\"__13 _b_12\"/>, omf<span class=\"__13 _b_12\"/>attar balanserade vinstmedel eget kapital<span class=\"__13 _898\"/>-delen av obe<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>skattade re<span class=\"__13 _898\"/>server<span class=\"__13 _b_12\"/>. Obeskattade reserver enligt na<span class=\"__13 _898\"/>tionella best\u00e4mmelser<span class=\"__13 _906\"/>, redovisas som eget kapital efter beak<span class=\"__13 _b_12\"/>tande av uppskjuten skatt enligt g\u00e4llande ska<span class=\"__13 _b_12\"/>ttesatser i respek<span class=\"__13 _898\"/>tive land.<span class=\"__13 _15e\"> </span>\u00c4<span class=\"__13 _b_12\"/>ven Nordeas andel a<span class=\"__13 _898\"/>v ej utdelade vinstmedel fr<span class=\"__13 _b_12\"/>\u00e5n intres-<span class=\"__13 _15e\"> </span>sef\u00f6r<span class=\"__13 _b_12\"/>etag och joint ventur<span class=\"__13 _b_12\"/>es intj\u00e4nade efter f\u00f6rv\u00e4rvsdagen, ing\u00e5r i balanserade vinstmedel.<span class=\"__13 _15e\"> </span><div class=\"t_13 m0_13 h5_12 ff1_13 fs3_12 fc0_13 sc0_13 ls0_13 ws7_12\" style=\"left:0.013267517px; bottom:162.60779px;\">K10.2 <span class=\"__13 _933\"> </span> Ytterligare <span class=\"__13 _934\"> </span>uppl<span class=\"__13 _b_12\"/>ysningar </div><div class=\"t_13 m0_13 h5_12 ff1_13 fs3_12 fc0_13 sc0_13 ls0_13 ws0_13\" style=\"left:47.452873px; bottom:149.08258px;\">om kassafl\u00f6desanal<span class=\"__13 _b_12\"/>ysen<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h6_12 ff1_13 fs4_12 fc1_12 sc0_13 ls0_13 ws0_13\" style=\"left:7.383362px; bottom:122.02179px;\">Redovisningsprinciper<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:97.4375px;\">Kassafl\u00f6desanal<span class=\"__13 _b_12\"/>ysen visar in- och utbetalningar av likvida<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:83.91229px;\">medel under \u00e5ret f<span class=\"__13 _898\"/>\u00f6r den totala v<span class=\"__13 _898\"/>erksamheten. Nordeas kas-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:70.387085px;\">safl\u00f6desanalys har uppr<span class=\"__13 _b_12\"/>\u00e4ttats enligt den indirek<span class=\"__13 _898\"/>ta metoden,<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:56.861877px;\">vilket inneb\u00e4r att r\u00f6r<span class=\"__13 _b_12\"/>elseresultatet har jus<span class=\"__13 _898\"/>tera<span class=\"__13 _898\"/>ts f\u00f6r tr<span class=\"__13 _b_12\"/>ansaktio-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:43.33667px;\">ner som inte medf<span class=\"__13 _b_12\"/>\u00f6r in- eller utbetalningar<span class=\"__13 _b_12\"/>, till exempel<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:29.811523px;\">avskrivningar och kr<span class=\"__13 _b_12\"/>editf\u00f6rluster<span class=\"__13 _906\"/>. Redovisningen av kassa<span class=\"__13 _b_12\"/>fl\u00f6<span class=\"__13 _c_12\"/>-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:16.286316px;\">den g\u00f6rs utifr\u00e5n kat<span class=\"__13 _b_12\"/>egorierna l\u00f6pande verksamhet<span class=\"__13 _c_12\"/>, inves<span class=\"__13 _b_12\"/>te-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:2.7611084px;\">ringsverksamhet och \ufb01nansieringsverksamhet.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h5_12 ff1_13 fs3_12 fc0_13 sc0_13 ls0_13 ws14_12\" style=\"left:0.004699707px; bottom:162.60654px;\">K10.3 L\u00f6ptidsanal<span class=\"__13 _b_12\"/>ys<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h6_12 ff1_13 fs4_12 fc1_12 sc0_13 ls0_13 ws0_13\" style=\"left:7.3723145px; bottom:135.54964px;\">Redovisningsprinciper<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.004699707px; bottom:110.96533px;\">I tabellen \u201dF\u00f6rv\u00e4n<span class=\"__13 _b_12\"/>tad l\u00f6ptid\u201d redovisas de f<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>v\u00e4n<span class=\"__13 _898\"/>tade l\u00f6pti-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.004699707px; bottom:97.44014px;\">derna f\u00f6r pos<span class=\"__13 _898\"/>terna i balansr\u00e4kningen. <span class=\"__13 _b_12\"/>T<span class=\"__13 _906\"/>abellen \u201d<span class=\"__13 _906\"/>Avt<span class=\"__13 _898\"/>alsenliga </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.004699707px; bottom:83.91493px;\">odiskont<span class=\"__13 _898\"/>erade kassafl\u00f6den\u201d b<span class=\"__13 _b_12\"/>ygger p\u00e5 avtalsenliga odiskon-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.004699707px; bottom:70.38974px;\">terade l\u00f6p<span class=\"__13 _898\"/>tider<span class=\"__13 _b_12\"/>. F\u00f6r deriva<span class=\"__13 _b_12\"/>t har f\u00f6rv\u00e4ntade in- och utfl\u00f6den a<span class=\"__13 _b_12\"/>v </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.004699707px; bottom:56.864532px;\">kont<span class=\"__13 _898\"/>anter r<span class=\"__13 _b_12\"/>edovisats f\u00f6r b\u00e5de deriva<span class=\"__13 _b_12\"/>ttillg\u00e5ngar och derivat-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.004699707px; bottom:43.33934px;\">skulder eftersom deriva<span class=\"__13 _b_12\"/>t hanteras netto<span class=\"__13 _898\"/>. F\u00f6r k<span class=\"__13 _898\"/>ontr<span class=\"__13 _898\"/>aktuella </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.004699707px; bottom:29.814133px;\">leasingskulder<span class=\"__13 _b_12\"/>, se not K5.4 \u201dLeasing\u201d<span class=\"__13 _906\"/>. F\u00f6r ytt<span class=\"__13 _898\"/>erligare inf<span class=\"__13 _b_12\"/>orma-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.004699707px; bottom:16.28894px;\">tion om \u00e5terst\u00e5ende l\u00f6p<span class=\"__13 _b_12\"/>tider, s<span class=\"__13 _898\"/>e \u00e4v<span class=\"__13 _b_12\"/>en not K11 \u201dRisk- och </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.004699707px; bottom:2.763733px;\">likviditetshant<span class=\"__13 _898\"/>ering\u201d<span class=\"__13 _906\"/>. </div>K10.4  T<span class=\"__13 _906\"/>ransak<span class=\"__13 _b_12\"/>tioner med n\u00e4rst\u00e5ende<span class=\"__13 _15e\"> </span>Redovisningsprinciper<span class=\"__13 _15e\"> </span>N\u00e4rst\u00e5ende<span class=\"__13 _15e\"> </span>N\u00e4rst\u00e5ende \u00e4r en person eller ett f\u00f6r<span class=\"__13 _b_12\"/>etag med en n\u00e4ra relation<span class=\"__13 _15e\"> </span> till Nordea<span class=\"ws0_13\">. N\u00e4rst\u00e5ende parter delas in i f<span class=\"__13 _b_12\"/>\u00f6ljande kategorier:<span class=\"__13 _15e\"> </span></span>\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Aktie\u00e4gare med bety<span class=\"__13 _b_12\"/>dande inflytande<span class=\"__13 _15e\"> </span></span>\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Intre<span class=\"__13 _898\"/>ssef\u00f6r<span class=\"__13 _b_12\"/>etag och joint ventur<span class=\"__13 _898\"/>es<span class=\"__13 _15e\"> </span></span>\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Nyckelpersoner i ledande positioner<span class=\"__13 _15e\"> </span></span>\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">\u00d6vriga n\u00e4rst\u00e5ende parter<span class=\"__13 _b_12\"/>.<span class=\"__13 _15e\"> </span></span>Aktie\u00e4gare med betydande inflytande<span class=\"__13 _15e\"> </span>Aktie\u00e4gare med bety<span class=\"__13 _b_12\"/>dande inflytande \u00e4r ak<span class=\"__13 _898\"/>tie\u00e4gare som har r\u00e4<span class=\"__13 _b_12\"/>tt<span class=\"__13 _c_12\"/> att delta i besl<span class=\"__13 _898\"/>ut som r\u00f6r <span class=\"ws1f_9\">Nordea</span>s \ufb01nansiella och oper<span class=\"__13 _b_12\"/>ativa stra<span class=\"__13 _898\"/><span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>tegier<span class=\"__13 _b_12\"/>, men som inte har ett bes<span class=\"__13 _b_12\"/>t\u00e4mmande inflytande \u00f6v<span class=\"__13 _b_12\"/>er dessa.<span class=\"__13 _15e\"> </span>In<span class=\"__13 _898\"/>tressef<span class=\"__13 _898\"/>\u00f6retag och join<span class=\"__13 _b_12\"/>t ventures<span class=\"__13 _15e\"> </span>En de\ufb01nition av t<span class=\"__13 _b_12\"/>ermen intressef<span class=\"__13 _898\"/>\u00f6retag och join<span class=\"__13 _898\"/>t ventur<span class=\"__13 _b_12\"/>e \ufb01nns i<span class=\"__13 _c_12\"/> not K9.3 \u201d<span class=\"__13 _906\"/>Aktier och andelar i in<span class=\"__13 _b_12\"/>tressef\u00f6r<span class=\"__13 _898\"/>etag och joint v<span class=\"__13 _b_12\"/>entures\u201d<span class=\"__13 _906\"/>.<span class=\"__13 _15e\"> </span>Nyckelpersoner i ledande positioner<span class=\"__13 _15e\"> </span>Nyckelpersoner i ledande positioner \u00e4r de personer som har<span class=\"__13 _15e\"> </span> befogenhet och ansv<span class=\"__13 _b_12\"/>ar f\u00f6r planering, ledning och styrning a<span class=\"__13 _898\"/>v<span class=\"__13 _15e\"> </span> f\u00f6r<span class=\"__13 _898\"/>etagets verksamhet, direkt eller indir<span class=\"__13 _b_12\"/>ekt, d\u00e4ribland f\u00f6reta-<span class=\"__13 _15e\"> </span>gets styrelse.<span class=\"__13 _15e\"> </span> \u00d6vriga n\u00e4rst\u00e5ende parter<span class=\"__13 _15e\"> </span>\u00d6vriga n\u00e4rst\u00e5ende parter utg\u00f6rs av do<span class=\"__13 _b_12\"/>tterf\u00f6retag till aktie-<span class=\"__13 _15e\"> </span>\u00e4gare med betydande in<span class=\"__13 _b_12\"/>flytande, n\u00e4ra anh\u00f6riga till nyck<span class=\"__13 _898\"/>el-<span class=\"__13 _15e\"> </span>personer i ledande positioner och bolag som kontr<span class=\"__13 _b_12\"/>olleras<span class=\"__13 _15e\"> </span> eller gemensamt kon<span class=\"__13 _b_12\"/>trolleras a<span class=\"__13 _898\"/>v nyckelpersoner i ledande<span class=\"__13 _15e\"> </span> positioner eller av n\u00e4r<span class=\"__13 _b_12\"/>a anh\u00f6riga till dessa nyckelpersoner<span class=\"__13 _b_12\"/>.<span class=\"__13 _15e\"> </span>T<span class=\"__13 _906\"/>ransaktioner med n\u00e4rst\u00e5ende<span class=\"__13 _15e\"> </span>En transak<span class=\"__13 _898\"/>tion med n\u00e4rst\u00e5ende de\ufb01nieras som en \u00f6<span class=\"__13 _b_12\"/>verf\u00f6ring<span class=\"__13 _15e\"> </span> av r<span class=\"__13 _b_12\"/>esur<span class=\"__13 _c_12\"/>ser<span class=\"__13 _b_12\"/>, tj\u00e4nster eller f<span class=\"__13 _b_12\"/>\u00f6rpliktelser mellan Nordea och en<span class=\"__13 _15e\"> </span> n\u00e4rst\u00e5ende part, oavsett om dessa debiteras eller in<span class=\"__13 _b_12\"/>te.<span class=\"__13 _15e\"> </span>Se \u00e4v<span class=\"__13 _b_12\"/>en Redovisningsprinciper i not K8.4 \u201dErs\u00e4ttning till<span class=\"__13 _15e\"> </span> nyckelpersoner i ledande positioner<span class=\"__13 _c_12\"/>\u201d<span class=\"__13 _15e\"> </span><div class=\"t_13 m0_13 h5_12 ff1_13 fs3_12 fc0_13 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:930.96716px;\">K10.6 <span class=\"__13 _a_12\"> </span> <span class=\"__13 _950\"/>\u00d6v<span class=\"__13 _898\"/>erg\u00e5ngen till IFRS 17 </div><div class=\"t_13 m0_13 h5_12 ff1_13 fs3_12 fc0_13 sc0_13 ls0_13 ws0_13\" style=\"left:47.452873px; bottom:916.02234px;\">F<span class=\"__13 _b_12\"/>\u00f6rs\u00e4kringsavtal<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:897.2881px;\">IFRS 17 \u201dF<span class=\"__13 _898\"/>\u00f6rs\u00e4kringsavtal\u201d blir obliga<span class=\"__13 _b_12\"/>torisk den 1 januari 202<span class=\"__13 _c_12\"/>3 </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:883.7629px;\">och har inte till\u00e4mpa<span class=\"__13 _b_12\"/>ts f\u00f6r redovisningen a<span class=\"__13 _b_12\"/>v 2022. Denna not </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:870.2377px;\">f\u00f6rklar<span class=\"__13 _b_12\"/>ar de redovisningsprinciper som Nordea kommer att till<span class=\"__13 _898\"/>-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:856.71246px;\">l\u00e4mpa n\u00e4r IFRS 17 inf<span class=\"__13 _b_12\"/>\u00f6rs under 202<span class=\"__13 _c_12\"/><span class=\"__13 _15e\">3 och de \ufb01nansiella effek</span><span class=\"__13 _b_12\"/>-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:843.18726px;\">terna a<span class=\"__13 _898\"/>v \u00f6ver<span class=\"__13 _898\"/>g\u00e5ngen.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h6_12 ff1_13 fs4_12 fc1_12 sc0_13 ls0_13 ws0_13\" style=\"left:7.383362px; bottom:816.11475px;\">Redovisningsprinciper<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:791.53046px;\">IFRS 17 g\u00e4ller f<span class=\"__13 _898\"/>\u00f6r f\u00f6rs\u00e4kringsa<span class=\"__13 _b_12\"/>vtal, \u00e5terf\u00f6rs\u00e4kringsavtal och </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:778.00525px;\">placeringsa<span class=\"__13 _898\"/>vtal med diskretion\u00e4r del. Ett f\u00f6rs\u00e4kringsa<span class=\"__13 _b_12\"/>vtal de\ufb01-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:764.48004px;\">nieras som \u201d<span class=\"__13 _906\"/>ett avtal enligt vilket en part (f\u00f6rs\u00e4kringsgiv<span class=\"__13 _898\"/>aren) </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:750.9549px;\">accept<span class=\"__13 _898\"/>erar en betydande f<span class=\"__13 _b_12\"/>\u00f6rs\u00e4kringsrisk fr\u00e5n en annan part </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:737.4297px;\">(f\u00f6rs\u00e4kringstagar<span class=\"__13 _b_12\"/>en) genom att g\u00e5 med p\u00e5 att kompensera f<span class=\"__13 _b_12\"/>\u00f6r-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:723.9045px;\">s\u00e4kringstagaren om en angiv<span class=\"__13 _b_12\"/>en oviss framtida h\u00e4ndelse (<span class=\"__13 _b_12\"/>den </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:710.3793px;\">f\u00f6rs\u00e4krade h\u00e4ndels<span class=\"__13 _898\"/>en) har en negativ inv<span class=\"__13 _898\"/>erkan p\u00e5 f\u00f6rs\u00e4krings-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:696.85406px;\">tagaren\u201d<span class=\"__13 _906\"/>. A<span class=\"__13 _b_12\"/>vtal med diskretion\u00e4r del ger f\u00f6rs\u00e4krings<span class=\"__13 _898\"/>tagaren </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:683.32886px;\">den kontr<span class=\"__13 _b_12\"/>aktsenliga r\u00e4ttighet<span class=\"__13 _898\"/>en att erh\u00e5lla, i till\u00e4gg till ett </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:669.80365px;\">belopp som int<span class=\"__13 _898\"/>e ensidigt best\u00e4ms a<span class=\"__13 _b_12\"/>v f\u00f6rs\u00e4kringsgivaren, bety-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:656.27844px;\">dande ytterligare belopp d\u00e4r tidpunk<span class=\"__13 _b_12\"/>terna eller beloppen </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:642.7533px;\">enligt avtal<span class=\"__13 _898\"/>et uteslutande bes<span class=\"__13 _b_12\"/>t\u00e4ms av Nordea och d\u00e4r a<span class=\"__13 _b_12\"/>vkast-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:629.2281px;\">ningen p\u00e5 inves<span class=\"__13 _b_12\"/>teringar \u00e4r kopplade till en speci\ufb01k portf\u00f6lj av </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:615.7029px;\">tillg\u00e5ngar som innehas a<span class=\"__13 _898\"/>v Nordea. F<span class=\"__13 _898\"/>\u00f6rs\u00e4kringsavtal, \u00e5t<span class=\"__13 _898\"/>erf\u00f6r-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:602.1777px;\">s\u00e4kringsavtal och plac<span class=\"__13 _b_12\"/>eringsavtal med diskretion\u00e4r del kallas </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:588.65247px;\">nedan  gemensamt f<span class=\"__13 _b_12\"/>\u00f6r \u201df\u00f6rs\u00e4kringsavt<span class=\"__13 _898\"/>al\u201d<span class=\"__13 _906\"/>. </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:12.908623px; bottom:575.12726px;\">F\u00f6r Nor<span class=\"__13 _898\"/>dea innefa<span class=\"__13 _b_12\"/>ttar ing\u00e5ngna avtal som redovisas enligt </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:561.60205px;\"><span class=\"__13 _15e\">IFRS 17:<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:548.07684px;\">\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Pensionsplaner med eller utan gar<span class=\"__13 _b_12\"/>anterad a<span class=\"__13 _b_12\"/>vkastning, men </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws11_12\" style=\"left:12.908623px; bottom:534.5517px;\">med \u00e5terb\u00e4ringsmedel  </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:521.0265px;\">\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Kombinerade f<span class=\"__13 _b_12\"/>\u00f6rs\u00e4krings- och pensionsplaner med bety<span class=\"ws0_13\">-<span class=\"__13 _15e\"> </span></span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws11_12\" style=\"left:12.908623px; bottom:507.50128px;\">dande tillkommande d\u00f6dsfallsrisk<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:493.97607px;\">\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Sjuk- och ol<span class=\"__13 _b_12\"/>ycksfallsf\u00f6rs\u00e4kringar  </span></div><div class=\"t_13 m0_13 h6_12 ff1_13 fs4_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:466.83206px;\">Ber\u00e4kningsenhet<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:453.30298px;\">F\u00f6r de fles<span class=\"__13 _b_12\"/>ta avtal \u00e4r det det juridiska a<span class=\"__13 _b_12\"/>vtalet som ligger till </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:439.77777px;\">grund f\u00f6r r<span class=\"__13 _898\"/>edovisningen. F<span class=\"__13 _b_12\"/>\u00f6r fondf\u00f6rs\u00e4kringar i Sverige s<span class=\"__13 _b_12\"/>epare-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:426.25256px;\">ras spar- och riskkomponen<span class=\"__13 _b_12\"/>terna, och spardelen redovisas </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:412.72736px;\"><span class=\"__13 _15e\">enligt IFRS 9 och IFRS 15 medan riskkomponent</span><span class=\"__13 _898\"/>en redovisas </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:399.20218px;\">enligt IFRS 17<span class=\"__13 _906\"/>. \u00c4<span class=\"__13 _b_12\"/>ven f\u00f6r tr<span class=\"__13 _898\"/>aditionella livf\u00f6rs\u00e4kringsa<span class=\"__13 _898\"/>vtal i Sve-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:385.67697px;\">rige redovisas spar- och riskkomponen<span class=\"__13 _b_12\"/>terna som olika avtal </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:372.15176px;\">men b\u00e4gge delarna redovisas enligt IFRS 17<span class=\"__13 _906\"/>. F\u00f6rs\u00e4kring a<span class=\"__13 _b_12\"/>v </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:358.62656px;\">d\u00f6dsfallsrisk och andr<span class=\"__13 _898\"/>a risker i de \ufb01nska a<span class=\"__13 _b_12\"/>vtalen betraktas som </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:345.10138px;\">separat<span class=\"__13 _898\"/>a avtal i r<span class=\"__13 _b_12\"/>edovisningsh\u00e4nseende.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h6_12 ff1_13 fs4_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:318.0121px;\">Redovisning och bortbokning<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsb_12 ws0_13\" style=\"left:0.013267517px; bottom:304.48288px;\">F\u00f6rs\u00e4kringsa<span class=\"__13 _b_12\"/>vtal redovisas fr\u00e5n det tidigar<span class=\"__13 _898\"/>e av:<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:290.95767px;\">\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">B\u00f6rjan av f<span class=\"__13 _b_12\"/>\u00f6rs\u00e4kringsperioden f\u00f6r gruppen av a<span class=\"__13 _b_12\"/>vtal<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:277.43246px;\">\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Den dag d\u00e5 den f\u00f6rsta pr<span class=\"__13 _b_12\"/>emien fr\u00e5n en f\u00f6rs\u00e4kringstagar<span class=\"__13 _b_12\"/>e i </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws11_12\" style=\"left:12.908623px; bottom:263.90726px;\">gruppen f\u00f6rf<span class=\"__13 _898\"/>aller till betalning<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:250.38208px;\">\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Tidpunkten d\u00e5 gruppen blir f<span class=\"__13 _b_12\"/>\u00f6rlusta<span class=\"__13 _898\"/>vtal (f\u00f6r en grupp a<span class=\"__13 _b_12\"/>v </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:12.908623px; bottom:236.85687px;\">f\u00f6rlus<span class=\"__13 _b_12\"/>tavtal).<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:209.79543px;\">Placeringsa<span class=\"__13 _898\"/>vtal med diskretion\u00e4r del fr<span class=\"__13 _b_12\"/>\u00e5n den dag d\u00e5 f\u00f6retaget </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls13_10 ws0_13\" style=\"left:0.013267517px; bottom:196.27022px;\">bli<span class=\"__13 _c_12\"/>r pa<span class=\"__13 _c_12\"/>rt <span class=\"__13 _c_12\"/>i avtal<span class=\"__13 _c_12\"/>et<span class=\"__13 _c_12\"/>. F\u00f6rs\u00e4kringsavtal bokas bort n\u00e4r de upph\u00f6r<span class=\"__13 _906\"/>,<span class=\"__13 _c_12\"/> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls13_10 ws0_13\" style=\"left:0.013267517px; bottom:182.74503px;\">vilket inneb\u00e4r n\u00e4r skyldigheten som anges i a<span class=\"__13 _b_12\"/>vtalet l\u00f6per ut eller </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls13_10 ws0_13\" style=\"left:0.013267517px; bottom:169.21982px;\">fullg\u00f6rs eller upph\u00e4vs. F<span class=\"__13 _b_12\"/>\u00f6rs\u00e4kringsavtal bokas ocks\u00e5 bort n\u00e4r de </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls13_10 ws0_13\" style=\"left:0.013267517px; bottom:155.69461px;\">\u00e4ndras v\u00e4sen<span class=\"__13 _b_12\"/>tligt<span class=\"__13 _c_12\"/>, varvid ett nytt a<span class=\"__13 _b_12\"/>vtal redovisas med nya villkor<span class=\"__13 _906\"/>.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h6_12 ff1_13 fs4_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:128.60469px;\">Allm\u00e4n v\u00e4rderingsmodell<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:115.07547px;\">Den allm\u00e4nna v\u00e4rderingsmodellen an<span class=\"__13 _898\"/>v\u00e4nds f<span class=\"__13 _b_12\"/>\u00f6r en enskild risk-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:101.55026px;\">produkt i Nor<span class=\"__13 _b_12\"/>ge (kapitalf\u00f6rs\u00e4kringar) och olika risks\u00e4kringspro-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:88.02507px;\">dukter i Finland.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:12.908623px; bottom:74.49987px;\">F\u00f6rs\u00e4kringsa<span class=\"__13 _b_12\"/>vtal samlas i por<span class=\"__13 _c_12\"/>tf\u00f6ljer a<span class=\"__13 _b_12\"/>v f\u00f6rs\u00e4kringsa<span class=\"__13 _898\"/>vtal med </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:0.013267517px; bottom:60.97467px;\">liknande risker och f<span class=\"__13 _898\"/>\u00f6rvaltas tillsammans. F<span class=\"__13 _898\"/>\u00f6r varje portf\u00f6lj grup<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:0.013267517px; bottom:47.44947px;\">peras ocks\u00e5 a<span class=\"__13 _b_12\"/>vtal som ing\u00e5tts under ett kalender\u00e5r tillsammans. </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:0.013267517px; bottom:33.92427px;\">F\u00f6r dessa grupper a<span class=\"__13 _b_12\"/>v avtal g\u00f6rs en ytterligare indelning i grupper </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:0.013267517px; bottom:20.39907px;\">av f<span class=\"__13 _b_12\"/>\u00f6rlustbringande och l\u00f6nsamma avt<span class=\"__13 _898\"/>al. Vid f\u00f6rsta redo<span class=\"__13 _b_12\"/>visnings<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:0.013267517px; bottom:6.873867px;\">tillf\u00e4llet ber<span class=\"__13 _898\"/>\u00e4knas kassafl\u00f6den f<span class=\"__13 _b_12\"/>\u00f6r \u00e5taganden f\u00f6r alla grupper a<span class=\"__13 _b_12\"/>v<span class=\"__13 _c_12\"/> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:936.2562px;\">f\u00f6rs\u00e4kringsa<span class=\"__13 _b_12\"/>vtal<span class=\"__13 _c_12\"/>. F<span class=\"__13 _898\"/>\u00f6r grupper av a<span class=\"__13 _b_12\"/>vtal med positiva nettokassa<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:922.731px;\">fl\u00f6den (l\u00f6nsamma avt<span class=\"__13 _898\"/>al) \u00e4r den avtals<span class=\"__13 _b_12\"/>enliga marginalen vid f\u00f6r<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws18_11\" style=\"left:327.9817px; bottom:909.2058px;\">sta redo<span class=\"__13 _b_12\"/>visningstillf\u00e4llet samma belopp (men med omv\u00e4n<span class=\"__13 _b_12\"/>t v\u00e4rde) </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:895.6806px;\">som det f\u00f6rv\u00e4n<span class=\"__13 _b_12\"/>tade positiva nettokassafl\u00f6det och redo<span class=\"__13 _b_12\"/>visas som<span class=\"__13 _c_12\"/> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:882.1554px;\">en f\u00f6rs\u00e4kringsskuld. Dett<span class=\"__13 _898\"/>a beror p\u00e5 att a<span class=\"__13 _b_12\"/>vtalens hela v\u00e4rde a<span class=\"__13 _898\"/>vser </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:868.6302px;\">tj\u00e4nster som ska utf<span class=\"__13 _b_12\"/>\u00f6ras i fram<span class=\"__13 _b_12\"/> <span class=\"__13 _936\"/>tiden och d\u00e4rmed kommer intj\u00e4<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:855.10504px;\">ningen i fram<span class=\"__13 _b_12\"/>tiden. F\u00f6r grupper av a<span class=\"__13 _b_12\"/>vtal med negativa kassafl\u00f6<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:841.57983px;\">den f\u00f6r \u00e5<span class=\"__13 _898\"/>taganden (f\u00f6rl<span class=\"__13 _b_12\"/>ustbringande avtal) betrak<span class=\"__13 _b_12\"/>tas det nega<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:828.0546px;\">tiva beloppet som f<span class=\"__13 _b_12\"/>\u00f6rlustdelen i skulden f<span class=\"__13 _b_12\"/>\u00f6r \u00e5terst\u00e5ende f\u00f6rs\u00e4k<span class=\"__13 _b_12\"/><span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:814.5294px;\">ringsskydd och redovisas s<span class=\"__13 _898\"/>om en f\u00f6rl<span class=\"__13 _898\"/>ust i resul<span class=\"__13 _898\"/>tatr\u00e4kningen.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:787.46796px;\">Kassafl\u00f6den f<span class=\"__13 _b_12\"/>\u00f6r \u00e5taganden best\u00e5r a<span class=\"__13 _b_12\"/>v: </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:773.94275px;\">\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Objektiv<span class=\"__13 _898\"/>a och <span class=\"ws0_13\">Nordea</span>-speci\ufb01ka ber<span class=\"__13 _b_12\"/>\u00e4kningar av f\u00f6rv\u00e4n<span class=\"__13 _b_12\"/>tade </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws11_12\" style=\"left:340.88367px; bottom:760.41754px;\">kassafl\u00f6den som uppst<span class=\"__13 _898\"/>\u00e5r n\u00e4r bolaget uppfyller a<span class=\"__13 _b_12\"/>vtalen. </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws11_12\" style=\"left:340.88367px; bottom:746.8924px;\">Ber\u00e4kningarna uppdat<span class=\"__13 _898\"/>eras varje balansdag.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:733.3672px;\">\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">En justering f<span class=\"__13 _b_12\"/>\u00f6r att spegla pengars tidsv\u00e4rde, dvs. diskont<span class=\"__13 _b_12\"/>er<span class=\"ws0_13\">-<span class=\"__13 _15e\"> </span></span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws11_12\" style=\"left:340.88367px; bottom:719.842px;\"><span class=\"__13 _15e\">ingseffek</span><span class=\"__13 _b_12\"/>ten. Denna omfa<span class=\"__13 _b_12\"/>ttar \u00e4ven de \ufb01nansiella riskerna i </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws11_12\" style=\"left:340.88367px; bottom:706.3168px;\">det fram<span class=\"__13 _b_12\"/>tida kassafl\u00f6det s\u00e5 att de \ufb01nansiella riskerna int<span class=\"__13 _b_12\"/>e </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws11_12\" style=\"left:340.88367px; bottom:692.79156px;\">speglas i ber\u00e4kningarna a<span class=\"__13 _b_12\"/>v det framtida kassafl\u00f6det.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:679.26636px;\">\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">En s\u00e4rskild riskjustering f<span class=\"__13 _898\"/>\u00f6r icke-\ufb01nansiell risk som speglar </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws11_12\" style=\"left:340.88367px; bottom:665.74115px;\">den ers\u00e4ttning som bolaget kr\u00e4<span class=\"__13 _b_12\"/>ver f\u00f6r att b\u00e4r<span class=\"__13 _b_12\"/>a os\u00e4kerheten </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws11_12\" style=\"left:340.88367px; bottom:652.21594px;\">kring beloppet och tidpunkten f<span class=\"__13 _b_12\"/>\u00f6r kassafl\u00f6den som uppst\u00e5r </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws11_12\" style=\"left:340.88367px; bottom:638.6908px;\">fr\u00e5n ick<span class=\"__13 _898\"/>e-\ufb01nansiell risk.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:611.62933px;\">Under efterf\u00f6ljande perioder om<span class=\"__13 _898\"/>v\u00e4rder<span class=\"__13 _b_12\"/>as kassafl\u00f6den f\u00f6r \u00e5ta<span class=\"__13 _b_12\"/>-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:598.1041px;\">ganden vid varje balansdag med hj\u00e4lp a<span class=\"__13 _b_12\"/>v aktuella antaganden. </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:584.5789px;\">Den avtals<span class=\"__13 _898\"/>enliga marginalen redo<span class=\"__13 _898\"/>visas i resulta<span class=\"__13 _b_12\"/>tr\u00e4kningen i </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:571.0537px;\">den takt som tj\u00e4ns<span class=\"__13 _b_12\"/>terna utf\u00f6rs. Placeringsa<span class=\"__13 _898\"/>vtal med diskretio-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:557.5285px;\">n\u00e4r del redovisas n\u00e4r placerings<span class=\"__13 _b_12\"/>tj\u00e4nsterna utf\u00f6rs och \u00f6vriga </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:544.0033px;\">avtal r<span class=\"__13 _b_12\"/>edovisas n\u00e4r tj\u00e4nsterna enligt f\u00f6rs\u00e4kringsa<span class=\"__13 _b_12\"/>vtalen utf\u00f6rs.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h6_12 ff1_13 fs4_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:516.82007px;\">R\u00f6rlig a<span class=\"__13 _b_12\"/>vgiftsmodell<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:503.29095px;\">R\u00f6rlig a<span class=\"__13 _b_12\"/>vgiftsmodell anv\u00e4nds f<span class=\"__13 _898\"/>\u00f6r alla avtal med diskr<span class=\"__13 _b_12\"/>etion\u00e4r </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:489.76575px;\">del. N\u00e4r avtalen ing\u00e5s redo<span class=\"__13 _b_12\"/>visas de p\u00e5 samma s\u00e4tt som de </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:476.24054px;\">enligt den allm\u00e4nna v\u00e4rderingsmodellen. Nor<span class=\"__13 _898\"/>dea tillhandah\u00e5l-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:462.71536px;\">ler placerings- och f<span class=\"__13 _898\"/>\u00f6rs\u00e4kringstj\u00e4nster och f<span class=\"__13 _b_12\"/>\u00e5r er<span class=\"__13 _c_12\"/>s\u00e4ttning f<span class=\"__13 _b_12\"/>\u00f6r </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:449.19016px;\">tj\u00e4nsterna genom en a<span class=\"__13 _b_12\"/>vgift som fasts<span class=\"__13 _b_12\"/>t\u00e4lls med h\u00e4nvisning till </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:435.66495px;\">de underliggande tillg\u00e5ngarna. Den avt<span class=\"__13 _898\"/>alsenliga marginalen </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:422.13977px;\">juster<span class=\"__13 _898\"/>as efter f<span class=\"__13 _898\"/>\u00f6rsta redovisnings<span class=\"__13 _b_12\"/>tillf\u00e4llet, genom att \u00e4ndringar i </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:408.61456px;\">Nordeas andel a<span class=\"__13 _b_12\"/>v de underliggande tillg\u00e5ngarnas verkliga </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:395.08936px;\">v\u00e4rde, \u00e4<span class=\"__13 _b_12\"/>ven justerar sk<span class=\"__13 _b_12\"/>uldens avtalsenliga marginal. Den juste-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:381.56415px;\">rade a<span class=\"__13 _b_12\"/>vtalsenliga marginalen ligger till grund f\u00f6r den fr<span class=\"__13 _b_12\"/>amtida </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:368.03897px;\">redovisningen i re<span class=\"__13 _898\"/>sultatr<span class=\"__13 _b_12\"/>\u00e4kningen. </div><div class=\"t_13 m0_13 h6_12 ff1_13 fs4_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:340.94177px;\">Premieallokeringsmodell<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:327.41266px;\">Premieallokeringsmodellen anv<span class=\"__13 _b_12\"/>\u00e4nds f\u00f6r kortfristiga a<span class=\"__13 _b_12\"/>vtal (med </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:313.88745px;\">en f\u00f6rs\u00e4kringsperiod p\u00e5 mindre \u00e4n ett \u00e5r) som v<span class=\"__13 _b_12\"/>anligen avser </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:300.36224px;\">sjuk- och in<span class=\"__13 _898\"/>validitetsrisker<span class=\"__13 _906\"/>. I Finland anv\u00e4nds dock den allm\u00e4n-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:286.83707px;\">na v\u00e4rderingsmodellen f<span class=\"__13 _b_12\"/>\u00f6r att ber\u00e4kna vissa s\u00e5dana a<span class=\"__13 _898\"/>vtal. </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:273.31186px;\">Skulden best<span class=\"__13 _898\"/>\u00e5r av tv<span class=\"__13 _b_12\"/>\u00e5 delar:<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:259.78665px;\">\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Skuld f<span class=\"__13 _b_12\"/>\u00f6r \u00e5terst\u00e5ende f\u00f6rs\u00e4kringsskydd<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:246.26144px;\">\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Skuld f<span class=\"__13 _b_12\"/><span class=\"__13 _15e\">\u00f6r intr\u00e4ff</span><span class=\"__13 _898\"/>ade skador<span class=\"__13 _b_12\"/>.<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls17_10 ws0_13\" style=\"left:327.9817px; bottom:219.20001px;\">Skulden f<span class=\"__13 _b_12\"/>\u00f6r \u00e5terst\u00e5ende f\u00f6rs\u00e4kringsskydd ber<span class=\"__13 _898\"/>\u00e4knas som erh\u00e5ll<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls17_10 ws0_13\" style=\"left:327.9817px; bottom:205.6748px;\">na men \u00e4nnu ej intj\u00e4nade premier<span class=\"__13 _906\"/>, och redovisas i periodens </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls17_10 ws0_13\" style=\"left:327.9817px; bottom:192.14961px;\">resulta<span class=\"__13 _b_12\"/>tr\u00e4kning baserat p\u00e5 de f<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>v\u00e4nt<span class=\"__13 _898\"/>ade premierna i f<span class=\"__13 _898\"/>\u00f6rh\u00e5llan<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls17_10 ws0_13\" style=\"left:327.9817px; bottom:178.6244px;\">de till f\u00f6rfluten tid. Sk<span class=\"__13 _b_12\"/>uld f\u00f6r intr\u00e4<span class=\"__13 _b_12\"/><span class=\"__13 _15e\">ffade skador ber\u00e4knas p\u00e5 </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls17_10 ws0_13\" style=\"left:327.9817px; bottom:165.09921px;\">samma s\u00e4tt som enligt den allm\u00e4nna v\u00e4r<span class=\"__13 _b_12\"/>deringsmodellen.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h6_12 ff1_13 fs4_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:138.00526px;\">Redovisning i r<span class=\"__13 _b_12\"/>esultatr\u00e4kningen<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:124.47615px;\">Int\u00e4k<span class=\"__13 _b_12\"/>ter och kostnader fr\u00e5n f<span class=\"__13 _b_12\"/>\u00f6rs\u00e4kringsavtal redovisas under </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:110.95096px;\">\u201dF\u00f6rs\u00e4kringsresul<span class=\"__13 _b_12\"/>tat<span class=\"__13 _c_12\"/>\u201d i resulta<span class=\"__13 _898\"/>tr\u00e4kningen. In<span class=\"__13 _898\"/>t\u00e4kt<span class=\"__13 _898\"/>erna fr\u00e5n de </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:97.42575px;\">tillg\u00e5ngar som \u00e4r knutna till skulderna till f<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>s\u00e4kringstagar<span class=\"__13 _898\"/>e </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:83.90056px;\">redovisas ocks\u00e5 separ<span class=\"__13 _b_12\"/>at under \u201d<span class=\"__13 _906\"/>Avk<span class=\"__13 _898\"/>astning p\u00e5 tillg\u00e5ngar som </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:70.37536px;\">\u00e4r knutna till skulder till f<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>s\u00e4kringstagare\u201d i r<span class=\"__13 _b_12\"/>esultatr\u00e4kningen. </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:56.85016px;\">Det \ufb01nns ocks\u00e5 en delsumma f\u00f6r dessa tv<span class=\"__13 _b_12\"/>\u00e5 poster eftersom </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:43.32496px;\">avkas<span class=\"__13 _b_12\"/>tningen p\u00e5 tillg\u00e5ngarna p\u00e5verkar f<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>s\u00e4kringsresult<span class=\"__13 _898\"/>atet, </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:29.799759px;\">med \u201dF\u00f6rs\u00e4kringsresul<span class=\"__13 _b_12\"/>tat<span class=\"__13 _c_12\"/>, netto\u201d som det rele<span class=\"__13 _898\"/>van<span class=\"__13 _898\"/>ta m\u00e5ttet p\u00e5 </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:16.274559px;\">f\u00f6rs\u00e4kringsa<span class=\"__13 _b_12\"/>vtalens resultat. F\u00f6rs\u00e4kringsresul<span class=\"__13 _898\"/>tatet kan delas in </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:2.7493591px;\">i tre delar<span class=\"__13 _b_12\"/>, som ocks\u00e5 redovisas i no<span class=\"__13 _898\"/>terna:<span class=\"__13 _15e\"> </span></div><span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">F\u00f6rs\u00e4kringsint\u00e4k<span class=\"__13 _b_12\"/>ter<span class=\"__13 _b_12\"/>, som utg\u00f6rs av tillhandah\u00e5llna tj\u00e4nster </span>enligt f\u00f6rs\u00e4kringsa<span class=\"__13 _b_12\"/>vtal till ett belopp som speglar den ers\u00e4ttning<span class=\"__13 _c_12\"/> som bolaget r\u00e4knar med att ha r<span class=\"__13 _b_12\"/>\u00e4tt till f\u00f6r dessa tj\u00e4nst<span class=\"__13 _898\"/>er<span class=\"__13 _b_12\"/>.<span class=\"__13 _15e\"> </span>\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Kostnader f<span class=\"__13 _b_12\"/>\u00f6r f\u00f6rs\u00e4kringstj\u00e4nst<span class=\"__13 _898\"/>er<span class=\"__13 _b_12\"/>, som innefatt<span class=\"__13 _898\"/>ar f\u00f6rs\u00e4krings<span class=\"ws0_13\">-<span class=\"__13 _15e\"> </span></span></span>ers\u00e4ttningar<span class=\"__13 _b_12\"/>, f\u00f6rv\u00e4rvskostnader och andr<span class=\"__13 _898\"/>a r\u00f6relsekos<span class=\"__13 _b_12\"/>tnader avseende f<span class=\"__13 _b_12\"/>\u00f6rs\u00e4kringsavtal.<span class=\"__13 _15e\"> </span>\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Finansiella int\u00e4k<span class=\"__13 _b_12\"/>ter eller kostnader fr\u00e5n f<span class=\"__13 _b_12\"/>\u00f6rs\u00e4kringsavtal, som </span>innefa<span class=\"__13 _898\"/>ttar f\u00f6r<span class=\"__13 _b_12\"/>\u00e4ndringar i diskonteringsr\u00e4n<span class=\"__13 _b_12\"/>tor<span class=\"__13 _b_12\"/>, avveckling a<span class=\"__13 _b_12\"/>v diskont<span class=\"__13 _898\"/><span class=\"__13 _15e\">eringseff</span><span class=\"__13 _898\"/>ekten och a<span class=\"__13 _b_12\"/>vveckling av riskjus<span class=\"__13 _b_12\"/>teringen. Post<span class=\"__13 _b_12\"/>en innefattar \u00e4<span class=\"__13 _b_12\"/>ven f\u00f6r\u00e4ndringar i skulder till f<span class=\"__13 _b_12\"/>\u00f6rs\u00e4kring<span class=\"ws0_13\">-<span class=\"__13 _15e\"> </span></span>stagare enligt den r<span class=\"__13 _898\"/>\u00f6rliga av<span class=\"__13 _b_12\"/>giftsmodellen till f\u00f6ljd av f<span class=\"__13 _b_12\"/>\u00f6r\u00e4n<span class=\"ws0_13\">-<span class=\"__13 _15e\"> </span></span>dringar i motsvar<span class=\"__13 _b_12\"/>ande tillg\u00e5ngar. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSummaryOfSignificantAccountingPoliciesExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-553": {
   "value": "K1 Redo<span class=\"__8 _310\"/>visningsprinciper<span class=\"__8 _331\"> </span>F<span class=\"__8 _310\"/>\u00f6retagsinf<span class=\"__8 _310\"/>ormation<span class=\"__8 _331\"> </span>Nordea Bank Abp<span class=\"__8 _310\"/>, tillsammans med sina konsolider<span class=\"__8 _310\"/>ade dot-<span class=\"__8 _331\"> </span>terf\u00f6ret<span class=\"__8 _310\"/>ag (Nordeakoncernen), \u00e4r en ledande f<span class=\"__8 _310\"/>ullservicebank<span class=\"__8 _331\"> </span>i Norden. Moderf\u00f6r<span class=\"__8 _310\"/>etaget Nordea Bank <span class=\"__8 _310\"/>Abp \u00e4r registrer<span class=\"__8 _310\"/>at<span class=\"__8 _331\"> </span>enligt \ufb01nsk r\u00e4tt, med huvudkont<span class=\"__8 _310\"/>or i Helsingfors, Finland.<span class=\"__8 _331\"> </span>Nordea Bank Abp:s s<span class=\"__8 _310\"/>tamak<span class=\"__8 _310\"/>tier \u00e4r noterade p\u00e5 Nas<span class=\"__8 _310\"/>daq Nordic,<span class=\"__8 _331\"> </span>b\u00f6rserna i Helsingfors (i euro<span class=\"__8 _310\"/>), Stockholm (i svenska kronor)<span class=\"__8 _331\"> </span>och K\u00f6penhamn (i danska kronor), och de<span class=\"__8 _310\"/>ss American Depo-<span class=\"__8 _331\"> </span><span class=\"__8 _331\">sitory Receipts handlas i US</span><span class=\"__8 _310\"/>A i US-dollar<span class=\"__8 _312\"/>.<span class=\"__8 _331\"> </span>Nordeakoncernen har ett om<span class=\"__8 _310\"/>fa<span class=\"__8 _310\"/>ttande utbud a<span class=\"__8 _310\"/>v \ufb01nansiella<span class=\"__8 _331\"> </span>produkt<span class=\"__8 _310\"/>er och tj\u00e4nster till priv<span class=\"__8 _310\"/>at- och f<span class=\"__8 _310\"/>\u00f6retagskunder<span class=\"__8 _312\"/>, d\u00e4ri-<span class=\"__8 _331\"> </span>bland andra \ufb01nansinstitut. Nordeakoncernens br<span class=\"__8 _310\"/>eda utbud av<span class=\"__8 _331\"> </span>produkt<span class=\"__8 _310\"/>er och tj\u00e4nster till priv<span class=\"__8 _310\"/>atkunder innef<span class=\"__8 _310\"/>attar bol\u00e5n och<span class=\"__8 _331\"> </span>konsumtionsl\u00e5n, kr<span class=\"__8 _310\"/>edit- och bankkort, sparprodukter sam<span class=\"__8 _310\"/>t<span class=\"__8 _331\"> </span>liv- och pensionsf\u00f6rs\u00e4kringar<span class=\"__8 _312\"/>. Nordeakoncernen har ocks\u00e5 ett<span class=\"__8 _331\"> </span>brett utbud a<span class=\"__8 _310\"/>v produk<span class=\"__8 _310\"/>ter och tj\u00e4nster till f<span class=\"__8 _310\"/>\u00f6retagsk<span class=\"__8 _310\"/>under som<span class=\"__8 _331\"> </span>innefa<span class=\"__8 _310\"/>ttar f\u00f6r<span class=\"__8 _310\"/>etagsl\u00e5n, likviditetshan<span class=\"__8 _310\"/>tering, betalningar och<span class=\"__8 _331\"> </span>kont<span class=\"__8 _310\"/>on, riskhantering, r<span class=\"__8 _310\"/><span class=\"__8 _331\">\u00e5dgivning, kapitalanskaff</span><span class=\"__8 _310\"/>ning och lik-<span class=\"__8 _331\"> </span>viditetsf\u00f6rs<span class=\"__8 _310\"/>t\u00e4rkning via skuldinstrumen<span class=\"__8 _310\"/>t och ak<span class=\"__8 _310\"/>tieemissioner<span class=\"__8 _312\"/>,<span class=\"__8 _331\"> </span>corpora<span class=\"__8 _310\"/>te \ufb01nance, kapitalf<span class=\"__8 _310\"/>\u00f6rvaltning f<span class=\"__8 _310\"/>\u00f6r institutionella kunder<span class=\"__8 _331\"> </span>samt liv- och pensionsf<span class=\"__8 _310\"/>\u00f6rs\u00e4kringar f\u00f6r f<span class=\"__8 _310\"/>\u00f6retag. Nor<span class=\"__8 _310\"/>deakoncer-<span class=\"__8 _331\"> </span>nen s\u00e4ljer ocks\u00e5 skadef\u00f6rs\u00e4kringar<span class=\"__8 _312\"/>. F\u00f6retagsin<span class=\"__8 _310\"/>formation<span class=\"__8 _331\"> </span>Namn p\u00e5 f\u00f6retaget<span class=\"__8 _332\"> </span>Nordea Bank Abp (F<span class=\"__8 _310\"/>O-nummer<span class=\"__8 _331\"> </span>2858394-9)<span class=\"__8 _331\"> </span>F\u00f6ret<span class=\"__8 _310\"/>agets s\u00e4te<span class=\"__8 _333\"> </span>Helsingfors, Finland<span class=\"__8 _331\"> </span>F\u00f6ret<span class=\"__8 _310\"/>agets r\u00e4ttsliga f<span class=\"__8 _310\"/>orm <span class=\"__8 _334\"> </span>Ett publik<span class=\"__8 _310\"/>t aktiebolag<span class=\"__8 _331\"> </span>F\u00f6ret<span class=\"__8 _310\"/>agets r\u00e4ttsliga hemvis<span class=\"__8 _310\"/>t<span class=\"__8 _bf_1\"> </span>Finland<span class=\"__8 _331\"> </span>Adress till f<span class=\"__8 _310\"/>\u00f6retagets huvudkon<span class=\"__8 _310\"/>tor<span class=\"__8 _bd_1\"> </span>Hamnbanegatan<span class=\"__8 _331\"> </span>(Satamaradanka<span class=\"__8 _310\"/>tu) 5, FI-00020,<span class=\"__8 _331\"> </span>Nordea, Helsingfors, Finland<span class=\"__8 _331\"> </span>Huvudsakligt verksamhetsst\u00e4lle<span class=\"__8 _a8_1\"> </span>Norden<span class=\"__8 _331\"> </span>Beskrivning av v<span class=\"__8 _310\"/>erksamhetens<span class=\"__8 _331\"> </span>karakt<span class=\"__8 _310\"/>\u00e4r och huvudsakliga<span class=\"__8 _331\"> </span>aktiviteter<span class=\"__8 _331\"> </span>Finansiella produkt<span class=\"__8 _310\"/>er och tj\u00e4nster<span class=\"__8 _331\"> </span>till privat- och f<span class=\"__8 _310\"/>\u00f6retagskunder<span class=\"__8 _312\"/>,<span class=\"__8 _331\"> </span>d\u00e4ribland andra \ufb01nansinstitut.<span class=\"__8 _331\"> </span>Namn p\u00e5 moderf\u00f6retaget<span class=\"__8 _335\"> </span><span class=\"ws63_2\">Nordea Bank Abp<span class=\"__8 _331\"> </span></span>Grunder f\u00f6r pr<span class=\"__8 _310\"/>esenta<span class=\"__8 _310\"/>tionen<span class=\"__8 _331\"> </span>Nordeas koncernr<span class=\"__8 _310\"/>edovisning har uppr\u00e4<span class=\"__8 _310\"/>ttats i enlighet med<span class=\"__8 _331\"> </span>Interna<span class=\"__8 _310\"/>tional Financial Reporting Standards (IFRS) som god-<span class=\"__8 _331\"> </span>k\u00e4nts a<span class=\"__8 _310\"/>v EU-kommissionen. Vidar<span class=\"__8 _310\"/>e har vissa kompletterande<span class=\"__8 _331\"> </span>regler i enlighet med \ufb01nska bokf<span class=\"__8 _310\"/>\u00f6ringslagen, \ufb01nska kreditin-<span class=\"__8 _331\"> </span>stitutslagen, \ufb01nska Finansinspek<span class=\"__8 _310\"/>tionens f\u00f6r<span class=\"__8 _310\"/>eskrifter och all-<span class=\"__8 _331\"> </span>m\u00e4nna r\u00e5d sam<span class=\"__8 _310\"/>t beslut a<span class=\"__8 _310\"/>v det \ufb01nska Finansministeriets f<span class=\"__8 _310\"/>\u00f6r-<span class=\"__8 _331\"> </span>ordning om bokslut och konc<span class=\"__8 _310\"/>ernredovisning i kreditins<span class=\"__8 _310\"/>titut<span class=\"__8 _331\"> </span>och v\u00e4rdepappersf<span class=\"__8 _310\"/>\u00f6retag ocks\u00e5 till\u00e4mpats.<span class=\"__8 _331\"> </span>De till\u00e4ggsupplysningar som kr<span class=\"__8 _310\"/>\u00e4vs enligt o<span class=\"__8 _310\"/>van n\u00e4mnda<span class=\"__8 _331\"> </span>standarder<span class=\"__8 _312\"/>, rekommendationer och lags<span class=\"__8 _310\"/>tiftning \u00e5ter\ufb01nns i<span class=\"__8 _331\"> </span>noterna, i kapitlet K<span class=\"__8 _310\"/>apitalhant<span class=\"__8 _310\"/>ering samt i andra delar a<span class=\"__8 _312\"/>v de<span class=\"__8 _331\"> </span>\ufb01nansiella rapporterna.<span class=\"__8 _331\"> </span>Den 22 februari 2023 godk\u00e4nde styr<span class=\"__8 _310\"/>elsen \u00e5rsredovisningen,<span class=\"__8 _331\"> </span>som slutligt ska f<span class=\"__8 _310\"/>astst\u00e4llas a<span class=\"__8 _312\"/>v den ordinarie bolagsst\u00e4mman<span class=\"__8 _331\"> </span>den 23 mars 2023.<span class=\"__8 _331\"> </span>Redovisningsprinciperna, ber<span class=\"__8 _310\"/>\u00e4kningsmetoderna och pre-<span class=\"__8 _331\"> </span>senta<span class=\"__8 _310\"/>tionen \u00e4r of<span class=\"__8 _310\"/>\u00f6r\u00e4ndrade j\u00e4m<span class=\"__8 _310\"/>f\u00f6rt med \u00e5rsredovisningen<span class=\"__8 _331\"> </span>2021, med undantag f<span class=\"__8 _310\"/>\u00f6r de \u00e4ndringar som beskrivs nedan i<span class=\"__8 _331\"> </span>avsnitt<span class=\"__8 _310\"/>et \u201dF\u00f6r<span class=\"__8 _310\"/>\u00e4ndrade redo<span class=\"__8 _310\"/>visningsprinciper och f\u00f6r<span class=\"__8 _310\"/>\u00e4ndrad<span class=\"__8 _331\"> </span>presen<span class=\"__8 _310\"/>tation\u201d<span class=\"__8 _a_7\"/>.<span class=\"__8 _331\"> </span>Alla belopp redovisas i miljoner euro<span class=\"__8 _310\"/>, om inget annat<span class=\"__8 _331\"> </span>anges.<span class=\"__8 _331\"> </span>F<span class=\"__8 _310\"/>\u00f6r\u00e4ndrade r<span class=\"__8 _310\"/>edovisningsprinciper<span class=\"__8 _331\"> </span>och f\u00f6r<span class=\"__8 _310\"/>\u00e4ndrad pres<span class=\"__8 _310\"/>enta<span class=\"__8 _310\"/>tion<span class=\"__8 _331\"> </span>Nya redo<span class=\"__8 _310\"/>visningsprinciper och f\u00f6r<span class=\"__8 _310\"/>\u00e4ndringar i presen<span class=\"__8 _310\"/>tationen<span class=\"__8 _331\"> </span>inf<span class=\"__8 _310\"/>\u00f6rdes under 2022. Deras in<span class=\"__8 _310\"/>verkan p\u00e5 Nordeas r<span class=\"__8 _310\"/>edovisning,<span class=\"__8 _331\"> </span>beskrivs nedan.<span class=\"__8 _331\"> </span>F\u00f6r<span class=\"__8 _310\"/>\u00e4ndrad pres<span class=\"__8 _310\"/>enta<span class=\"__8 _310\"/>tion av lags<span class=\"__8 _310\"/>tadgade a<span class=\"__8 _310\"/>vgifter<span class=\"__8 _331\"> </span>Under 2022 b\u00f6rjade Nordea redovisa r<span class=\"__8 _310\"/>esolutionsa<span class=\"__8 _310\"/>vgifter och<span class=\"__8 _331\"> </span>den svenska bankskatt<span class=\"__8 _310\"/>en separat p\u00e5 den n<span class=\"__8 _310\"/>ya raden \u201dL<span class=\"__8 _310\"/>agstad-<span class=\"__8 _331\"> </span>gade av<span class=\"__8 _310\"/>gifter<span class=\"__8 _311\"/>\u201d i resulta<span class=\"__8 _310\"/>tr\u00e4kningen. Den tidigare principen v<span class=\"__8 _310\"/>ar<span class=\"__8 _331\"> </span>att redo<span class=\"__8 _310\"/>visa liknande kostnader p\u00e5 raden \u201d\u00d6vriga k<span class=\"__8 _310\"/>ostnader<span class=\"__8 _311\"/>\u201d<span class=\"__8 _312\"/>.<span class=\"__8 _331\"> </span>Den nya pr<span class=\"__8 _310\"/>esenta<span class=\"__8 _310\"/>tionen ger en tydligare bild a<span class=\"__8 _312\"/>v Nordeas<span class=\"__8 _331\"> </span>underliggande resulta<span class=\"__8 _310\"/>t och de lagstadgade a<span class=\"__8 _310\"/>vgifternas<span class=\"__8 _331\"> </span>p\u00e5v<span class=\"__8 _310\"/>erkan. Resol<span class=\"__8 _310\"/>utionsav<span class=\"__8 _310\"/>gifterna redovisas \u00e4<span class=\"__8 _312\"/>ven forts\u00e4ttnings-<span class=\"__8 _331\"> </span>vis i sin helhet under f\u00f6rsta kv<span class=\"__8 _310\"/>artalet, medan den svenska<span class=\"__8 _331\"> </span>bankskatten periodiser<span class=\"__8 _310\"/>as linj\u00e4rt \u00f6ver \u00e5ret. J\u00e4mf<span class=\"__8 _310\"/><span class=\"__8 _331\">\u00f6relsesiff</span><span class=\"__8 _310\"/>rorna<span class=\"__8 _331\"> </span>har r\u00e4knats om och f<span class=\"__8 _310\"/>\u00f6r\u00e4ndringens in<span class=\"__8 _310\"/>verkan fr<span class=\"__8 _310\"/>amg\u00e5r av t<span class=\"__8 _310\"/>abel-<span class=\"__8 _331\"> </span>len nedan.<span class=\"__8 _331\"> </span>Hel\u00e5r 2022<span class=\"__8 _331\"> </span>Mn euro<span class=\"__8 _331\"> </span>Tidigare<span class=\"__8 _331\"> </span>princip<span class=\"__8 _ce_1\"> </span>F<span class=\"__8 _310\"/>\u00f6r\u00e4ndr<span class=\"__8 _312\"/>.<span class=\"__8 _a5_1\"> </span>Ny princip<span class=\"__8 _331\"> </span>Allm\u00e4nna<span class=\"__8 _331\"> </span>administrationsa<span class=\"__8 _312\"/>vgifter:   \u00d6vriga kostnader<span class=\"__8 _ee_1\"> </span><span class=\"ls2f_5 ws51_2\">-1 457<span class=\"__8 _a6_1\"> </span></span>322<span class=\"__8 _be_1\"> </span>-1 135<span class=\"__8 _331\"> </span>Lagstadgade a<span class=\"__8 _310\"/>vgifter<span class=\"__8 _c8_1\"> </span>\u2013<span class=\"__8 _cc_1\"> </span>-322<span class=\"__8 _336\"> </span>-322<span class=\"__8 _331\"> </span>Summa r\u00f6relsekos<span class=\"__8 _310\"/>tnader<span class=\"__8 _337\"> </span>-4 903<span class=\"__8 _a9_1\"> </span>\u2013<span class=\"__8 _dd_1\"> </span>-4 903<span class=\"__8 _331\"> </span>Inverkan p\u00e5 resul<span class=\"__8 _310\"/>tat per ak<span class=\"__8 _310\"/>tie<span class=\"__8 _331\"> </span>f\u00f6re/<span class=\"__8 _312\"/>efter utsp\u00e4dning, euro<span class=\"__8 _338\"> </span>\u2013<span class=\"__8 _331\"> </span>Hel\u00e5r 2021<span class=\"__8 _331\"> </span>Mn euro<span class=\"__8 _331\"> </span>Tidigare<span class=\"__8 _331\"> </span>princip<span class=\"__8 _ce_1\"> </span>F<span class=\"__8 _310\"/>\u00f6r\u00e4ndr<span class=\"__8 _312\"/>.<span class=\"__8 _a5_1\"> </span>Ny princip<span class=\"__8 _331\"> </span>Allm\u00e4nna<span class=\"__8 _331\"> </span>administrationsa<span class=\"__8 _312\"/>vgifter:   \u00d6vriga kostnader<span class=\"__8 _339\"> </span>-1 226<span class=\"__8 _ba_1\"> </span><span class=\"ls2e_5 ws50_2\">2<span class=\"__8 _311\"/>24<span class=\"__8 _af_1\"> </span></span>-1 002<span class=\"__8 _331\"> </span>Lagstadgade a<span class=\"__8 _310\"/>vgifter<span class=\"__8 _c8_1\"> </span>\u2013<span class=\"__8 _cc_1\"> </span><span class=\"ls2e_5 ws50_2\">-2<span class=\"__8 _311\"/>24<span class=\"__8 _336\"> </span>-224<span class=\"__8 _331\"> </span></span>Summa r\u00f6relsekos<span class=\"__8 _310\"/>tnader<span class=\"__8 _340\"> </span>-4 649<span class=\"__8 _a9_1\"> </span>\u2013<span class=\"__8 _341\"> </span>-4 649<span class=\"__8 _331\"> </span>Inverkan p\u00e5 resul<span class=\"__8 _310\"/>tat per ak<span class=\"__8 _310\"/>tie<span class=\"__8 _331\"> </span>f\u00f6re/<span class=\"__8 _312\"/>efter utsp\u00e4dning, euro<span class=\"__8 _338\"> </span>\u2013<span class=\"__8 _331\"> </span>F\u00f6r<span class=\"__8 _310\"/>\u00e4ndrad pres<span class=\"__8 _310\"/>enta<span class=\"__8 _310\"/>tion av s\u00e4kr<span class=\"__8 _310\"/>ade poster vid<span class=\"__8 _331\"> </span>s\u00e4kring av v<span class=\"__8 _310\"/>erkligt v\u00e4rde p\u00e5 mikr<span class=\"__8 _310\"/>oniv\u00e5<span class=\"__8 _331\"> </span>Nordea till\u00e4mpar s\u00e4kring a<span class=\"__8 _310\"/>v verkligt v\u00e4r<span class=\"__8 _310\"/>de b\u00e5de p\u00e5 mikroniv\u00e5<span class=\"__8 _331\"> </span>(enskilda tillg\u00e5ngar<span class=\"__8 _310\"/>/<span class=\"__8 _310\"/>skulder eller st\u00e4ngda portf<span class=\"__8 _310\"/>\u00f6ljer av till<span class=\"__8 _310\"/>-<span class=\"__8 _331\"> </span>g\u00e5ngar/<span class=\"__8 _312\"/>skulder<span class=\"__8 _310\"/>, d\u00e4r en eller flera pos<span class=\"__8 _310\"/>ter s\u00e4kras med hj\u00e4lp a<span class=\"__8 _310\"/>v<span class=\"__8 _331\"> </span>ett eller flera s\u00e4kringsinstrumen<span class=\"__8 _310\"/>t), och p\u00e5 makroniv<span class=\"__8 _310\"/>\u00e5 (\u00f6ppna<span class=\"__8 _331\"> </span>portf\u00f6ljer<span class=\"__8 _312\"/>, d\u00e4r grupper av poster s\u00e4kr<span class=\"__8 _310\"/>as med hj\u00e4lp a<span class=\"__8 _310\"/>v flera<span class=\"__8 _331\"> </span>s\u00e4kringsinstrument).<span class=\"__8 _331\"> </span>Fr<span class=\"__8 _310\"/>\u00e5n och med 2022 redovisar Nordea f<span class=\"__8 _312\"/>\u00f6r\u00e4ndringar av verk<span class=\"__8 _310\"/>-<span class=\"__8 _331\"> </span>ligt v\u00e4rde f<span class=\"__8 _310\"/>\u00f6r s\u00e4krade pos<span class=\"__8 _310\"/>ter i s\u00e4kring a<span class=\"__8 _310\"/>v verkligt v\u00e4rde p\u00e5<span class=\"__8 _331\"> </span>mikroniv\u00e5 p\u00e5 samma r<span class=\"__8 _310\"/>ad i balansr\u00e4kningen som s\u00e4krade pos-<span class=\"__8 _331\"> </span>ter<span class=\"__8 _312\"/>, ist\u00e4llet f\u00f6r som tidigar<span class=\"__8 _310\"/>e p\u00e5 raden \u201dF<span class=\"__8 _310\"/>\u00f6r\u00e4ndringar a<span class=\"__8 _310\"/>v verkligt<span class=\"__8 _331\"> </span>v\u00e4rde f<span class=\"__8 _310\"/>\u00f6r r\u00e4n<span class=\"__8 _310\"/>tes\u00e4krade pos<span class=\"__8 _310\"/>ter<span class=\"__8 _311\"/>\u201d<span class=\"__8 _312\"/>. F\u00f6r<span class=\"__8 _310\"/>\u00e4ndringar av v<span class=\"__8 _310\"/>erkligt v\u00e4rde<span class=\"__8 _331\"> </span>f\u00f6r s\u00e4kr<span class=\"__8 _310\"/>ade poster i s\u00e4kring a<span class=\"__8 _310\"/>v verkligt v<span class=\"__8 _310\"/>\u00e4rde p\u00e5 makroniv\u00e5<span class=\"__8 _331\"> </span>redovisas som tidigar<span class=\"__8 _310\"/>e p\u00e5 en separat r<span class=\"__8 _310\"/>ad i balansr\u00e4kningen,<span class=\"__8 _331\"> </span>som fr\u00e5n 2022 har b<span class=\"__8 _310\"/>ytt namn fr\u00e5n \u201dF<span class=\"__8 _312\"/>\u00f6r\u00e4ndring av verkligt<span class=\"__8 _331\"> </span>v\u00e4rde f<span class=\"__8 _310\"/>\u00f6r r\u00e4n<span class=\"__8 _310\"/>tes\u00e4krade pos<span class=\"__8 _310\"/>ter<span class=\"__8 _311\"/>\u201d till \u201dF\u00f6r<span class=\"__8 _310\"/>\u00e4ndring av v<span class=\"__8 _310\"/>erkligt<span class=\"__8 _331\"> </span>v\u00e4rde f<span class=\"__8 _310\"/>\u00f6r r\u00e4n<span class=\"__8 _310\"/>tes\u00e4krade pos<span class=\"__8 _310\"/>ter i s\u00e4kringsportf\u00f6ljer\u201d<span class=\"__8 _310\"/>. J\u00e4mf<span class=\"__8 _312\"/>\u00f6rel-<span class=\"__8 _331\"> </span><span class=\"__8 _331\">sesiffrorna har r</span><span class=\"__8 _310\"/>\u00e4knats om och f<span class=\"__8 _310\"/>\u00f6r\u00e4ndringens inv<span class=\"__8 _310\"/>erkan fram-<span class=\"__8 _331\"> </span>g\u00e5r av tabell<span class=\"__8 _310\"/>en nedan.<span class=\"__8 _331\"> </span>K1  Redovisningsprinciper<span class=\"__8 _310\"/>, forts.<span class=\"__8 _331\"> </span>31 dec 2022<span class=\"__8 _331\"> </span>Mn euro<span class=\"__8 _331\"> </span>Tidigare princip<span class=\"__8 _e9_1\"> </span>F<span class=\"__8 _310\"/>\u00f6r\u00e4ndr<span class=\"__8 _312\"/>.<span class=\"__8 _c2_1\"> </span>Ny princip<span class=\"__8 _331\"> </span>Emitterade v\u00e4r<span class=\"__8 _310\"/>depapper<span class=\"__8 _342\"> </span><span class=\"fs1_7\">183 801<span class=\"__8 _a7_1\"> </span>-3 998<span class=\"__8 _a8_1\"> </span>179 803<span class=\"__8 _331\"> </span></span>F\u00f6r\u00e4ndring a<span class=\"__8 _312\"/>v verkligt v\u00e4rde f\u00f6r r\u00e4nt<span class=\"__8 _310\"/>es\u00e4krade poster i s\u00e4kringsportf\u00f6ljer<span class=\"__8 _11a_1\"> </span><span class=\"fs1_7\">\u2013<span class=\"__8 _b7_1\"> </span>-2 175<span class=\"__8 _b5_1\"> </span>-2 175<span class=\"__8 _331\"> </span></span>F\u00f6r\u00e4ndring a<span class=\"__8 _312\"/>v verkligt v\u00e4rde f\u00f6r r\u00e4nt<span class=\"__8 _310\"/>es\u00e4krade poster<span class=\"__8 _b6_1\"> </span><span class=\"fs1_7\">-6 677<span class=\"__8 _cc_1\"> </span>-6 677<span class=\"__8 _7f_1\"> </span>\u2013<span class=\"__8 _331\"> </span></span>Efterst\u00e4llda sk<span class=\"__8 _310\"/>ulder<span class=\"__8 _11b_1\"> </span>5 905<span class=\"__8 _341\"> </span>-504<span class=\"__8 _a6_1\"> </span>5 401<span class=\"__8 _331\"> </span>T<span class=\"__8 _a_7\"/>otala skulder<span class=\"__8 _bb_1\"> </span>563 440<span class=\"__8 _9c_1\"> </span>\u2013<span class=\"__8 _d4_1\"> </span>563 440<span class=\"__8 _331\"> </span>31 dec 2021<span class=\"__8 _331\"> </span>Mn euro<span class=\"__8 _331\"> </span>Tidigare princip<span class=\"__8 _e9_1\"> </span>F<span class=\"__8 _310\"/>\u00f6r\u00e4ndr<span class=\"__8 _312\"/>. <span class=\"__8 _bd_1\"> </span>Ny princip<span class=\"__8 _331\"> </span>Emitterade v\u00e4r<span class=\"__8 _310\"/>depapper<span class=\"__8 _fc_1\"> </span><span class=\"fs1_7\">175 792<span class=\"__8 _b9_1\"> </span><span class=\"ls2f_5 ws51_2\">57<span class=\"__8 _311\"/>3<span class=\"__8 _a5_1\"> </span></span>176 365<span class=\"__8 _331\"> </span></span>F\u00f6r\u00e4ndring a<span class=\"__8 _312\"/>v verkligt v\u00e4rde f\u00f6r r\u00e4nt<span class=\"__8 _310\"/>es\u00e4krade poster i s\u00e4kringsportf\u00f6ljer<span class=\"__8 _11a_1\"> </span><span class=\"fs1_7\">\u2013<span class=\"__8 _a9_1\"> </span>101<span class=\"__8 _ae_1\"> </span>101<span class=\"__8 _331\"> </span></span>F\u00f6r\u00e4ndring a<span class=\"__8 _312\"/>v verkligt v\u00e4rde f\u00f6r r\u00e4nt<span class=\"__8 _310\"/>es\u00e4krade poster<span class=\"__8 _c0_1\"> </span><span class=\"fs1_7\">805<span class=\"__8 _341\"> </span>-805<span class=\"__8 _7f_1\"> </span>\u2013<span class=\"__8 _331\"> </span></span>Efterst\u00e4llda sk<span class=\"__8 _310\"/>ulder<span class=\"__8 _333\"> </span>6 719<span class=\"__8 _ea_1\"> </span>131<span class=\"__8 _c5_1\"> </span>6 850<span class=\"__8 _331\"> </span>T<span class=\"__8 _a_7\"/>otala skulder<span class=\"__8 _bb_1\"> </span>536 850<span class=\"__8 _7f_1\"> </span>\u2013<span class=\"__8 _d4_1\"> </span>536 850<span class=\"__8 _331\"> </span>\u00c4ndrade redo<span class=\"__8 _310\"/>visningskra<span class=\"__8 _310\"/>v<span class=\"__8 _331\"> </span>IASB har publicera<span class=\"__8 _310\"/>t f\u00f6ljande \u00e4ndringar<span class=\"__8 _312\"/>, som inf<span class=\"__8 _310\"/>\u00f6rdes a<span class=\"__8 _310\"/>v Nordea den 1 januari 2022 men som inte har ha<span class=\"__8 _310\"/>ft n\u00e5gon betydande inverkan p\u00e5 Nor<span class=\"__8 _310\"/>deas redovisning:<span class=\"__8 _331\"> </span>\u2022 <span class=\"__8 _11c_1\"> </span><span class=\"__8 _331\">\u00c4ndringar av IFRS 3 R</span><span class=\"__8 _310\"/>\u00f6relsef<span class=\"__8 _310\"/>\u00f6rv\u00e4rv: H\u00e4nvisning till koncep-<span class=\"__8 _331\"> </span>tuellt ram<span class=\"__8 _310\"/>verk \u2022 <span class=\"__8 _11c_1\"> </span>\u00c4ndringar av IAS 16 Ma<span class=\"__8 _310\"/>teriella anl\u00e4ggningstillg\u00e5ngar: Ers\u00e4ttningar f\u00f6r<span class=\"__8 _310\"/>e avs<span class=\"__8 _310\"/>edd anv\u00e4ndning \u2022 <span class=\"__8 _11c_1\"> </span>\u00c4ndringar av IAS 37 <span class=\"__8 _310\"/>A<span class=\"__8 _312\"/>vs\u00e4ttningar<span class=\"__8 _312\"/>, eventualf\u00f6rplik<span class=\"__8 _312\"/>telser och even<span class=\"__8 _310\"/>tualtillg\u00e5ngar: F<span class=\"__8 _310\"/>\u00f6rlustkon<span class=\"__8 _310\"/>trak<span class=\"__8 _310\"/>t \u2013 Utgifter f<span class=\"__8 _310\"/>\u00f6r att f<span class=\"__8 _310\"/>ullf\u00f6lja kontr<span class=\"__8 _310\"/>akt \u2022 <span class=\"__8 _11c_1\"> </span>\u00c5rliga f\u00f6rb\u00e4<span class=\"__8 _310\"/>ttringar av IFRS-s<span class=\"__8 _310\"/>tandarder 2018\u2013<span class=\"__8 _310\"/>2020<span class=\"__8 _331\"> </span>F\u00f6r<span class=\"__8 _310\"/>\u00e4ndringar i \ufb01nska bokf\u00f6ringslagen, \ufb01nsk<span class=\"__8 _310\"/>a kreditinstitutsla<span class=\"__8 _310\"/>-<span class=\"__8 _331\"> </span>gen, \ufb01nska Finansinspektionens f<span class=\"__8 _310\"/>\u00f6reskrift<span class=\"__8 _310\"/>er och allm\u00e4nna r\u00e5d samt \ufb01nska Finansminis<span class=\"__8 _310\"/>teriets f\u00f6r<span class=\"__8 _310\"/>ordning om bokslut och kon-<span class=\"__8 _331\"> </span>cernredovisning i kr<span class=\"__8 _310\"/>editinstitut och v\u00e4r<span class=\"__8 _310\"/>depappersf\u00f6retag har inte ha<span class=\"__8 _310\"/>ft n\u00e5gon betydande inv<span class=\"__8 _310\"/>erkan p\u00e5 Nordeas redovisning.<span class=\"__8 _331\"> </span>F<span class=\"__8 _310\"/>\u00f6r\u00e4ndringar i IFRS som \u00e4nnu int<span class=\"__8 _310\"/>e till\u00e4mpats IFRS 17 F<span class=\"__8 _310\"/>\u00f6rs\u00e4kringsavtal<span class=\"__8 _331\"> </span>IASB har publicera<span class=\"__8 _310\"/>t den nya s<span class=\"__8 _310\"/>tandarden IFRS 17 F<span class=\"__8 _310\"/>\u00f6rs\u00e4kringsavt<span class=\"__8 _310\"/>al. Den nya s<span class=\"__8 _310\"/>tandarden \u00e4ndrar kr<span class=\"__8 _310\"/>av<span class=\"__8 _310\"/>en f\u00f6r r<span class=\"__8 _310\"/>edovisning, v\u00e4r<span class=\"__8 _310\"/>dering och presen<span class=\"__8 _310\"/>tation a<span class=\"__8 _310\"/>v samt uppl<span class=\"__8 _310\"/>ysningar om f\u00f6rs\u00e4kringsa<span class=\"__8 _310\"/>vtal. IFRS 17 har godk\u00e4nts a<span class=\"__8 _310\"/>v EU-kommissionen och ska till\u00e4mpas f<span class=\"__8 _310\"/>\u00f6r r\u00e4k<span class=\"__8 _310\"/>en<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>skaps\u00e5r som b\u00f6rjar den 1 januari 2023 eller senare.<span class=\"__8 _331\"> </span>Icke enhetliga v\u00e4rderingsprinciper s<span class=\"__8 _310\"/>om bygger p\u00e5 livf<span class=\"__8 _310\"/>\u00f6rs\u00e4k<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>ringsdotterf<span class=\"__8 _310\"/>\u00f6retagens lokala redo<span class=\"__8 _310\"/>visningsprinciper ers\u00e4tts a<span class=\"__8 _310\"/>v enhetliga v\u00e4rderingsprinciper som b<span class=\"__8 _310\"/>ygger p\u00e5 tre v<span class=\"__8 _310\"/>\u00e4rderingsmo<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>deller: den grundl\u00e4ggande v\u00e4rderingsmodellen (<span class=\"__8 _310\"/>general measu<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>rement model, GMM), den r\u00f6rliga a<span class=\"__8 _312\"/>vgiftsmodellen (variable fee approach, VF<span class=\"__8 _312\"/>A) och premieallokeringsmodellen (pr<span class=\"__8 _310\"/>emium allo<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>cation approach, P<span class=\"__8 _a_7\"/>AA). V<span class=\"__8 _310\"/>alet av modell ber<span class=\"__8 _310\"/>or p\u00e5 villkoren i a<span class=\"__8 _312\"/>vta<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>let (l\u00e5ngfristiga, l\u00e5ngf<span class=\"__8 _310\"/>ristiga med r\u00f6rlig a<span class=\"__8 _310\"/>vgift eller k<span class=\"__8 _310\"/>ortfristiga). I de tre v\u00e4r<span class=\"__8 _310\"/>deringsmodellerna de\ufb01nieras a<span class=\"__8 _310\"/>vtalsenliga kassafl\u00f6den, riskjuster<span class=\"__8 _310\"/>ad marginal och diskon<span class=\"__8 _310\"/>tering p\u00e5 samma s\u00e4tt. Dessa de\ufb01nitioner bygger p\u00e5 liknande principer som de s<span class=\"__8 _310\"/>om anv\u00e4nds vid ber\u00e4kning a<span class=\"__8 _310\"/>v f\u00f6rs\u00e4kringst<span class=\"__8 _310\"/>ekniska a<span class=\"__8 _310\"/>vs\u00e4ttningar i Solv<span class=\"__8 _310\"/>ens II-<span class=\"__8 _331\"> </span>direktiv<span class=\"__8 _310\"/>et. Ej intj\u00e4nade marginaler p\u00e5 premier f<span class=\"__8 _310\"/>r\u00e5n l\u00f6nsamma avtal r<span class=\"__8 _310\"/>edovisas som en a<span class=\"__8 _310\"/>vs\u00e4ttning i balansr<span class=\"__8 _310\"/>\u00e4kningen och int\u00e4k<span class=\"__8 _310\"/>ts<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>f\u00f6rs n\u00e4r tj\u00e4nst<span class=\"__8 _310\"/>en utf\u00f6rs, medan f<span class=\"__8 _310\"/>\u00f6rluster f<span class=\"__8 _310\"/>r\u00e5n ol\u00f6nsamma a<span class=\"__8 _310\"/>vtal redovisas i re<span class=\"__8 _310\"/>sultatr<span class=\"__8 _310\"/>\u00e4kningen vid f\u00f6rsta r<span class=\"__8 _310\"/>edovisningstillf<span class=\"__8 _310\"/>\u00e4llet.<span class=\"__8 _331\"> </span>Ett redovisa<span class=\"__8 _310\"/><span class=\"__8 _331\">t v\u00e4rde om 2 106 mn euro k</span><span class=\"__8 _310\"/>ommer att omklassi\ufb01<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>ceras fr<span class=\"__8 _310\"/>\u00e5n f<span class=\"__8 _310\"/>\u00f6rs\u00e4kringsavtal till \ufb01nansiella a<span class=\"__8 _310\"/>vtal vid \u00f6v<span class=\"__8 _310\"/>erg\u00e5ngen (baserat p\u00e5 f<span class=\"__8 _312\"/>\u00f6r<span class=\"__8 _311\"/>s\u00e4kringsskulder per 31 december 2021). Detta<span class=\"__8 _331\"> </span>avser huvudsakligen n<span class=\"__8 _310\"/>yare k<span class=\"__8 _310\"/>apitalf\u00f6rs\u00e4kringar a<span class=\"__8 _310\"/>v typen fond<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>f\u00f6rs\u00e4kring d\u00e4r f<span class=\"__8 _310\"/>\u00f6rs\u00e4kringsrisken bed\u00f6ms vara obety<span class=\"__8 _310\"/>dlig.<span class=\"__8 _331\"> </span>Nordea kommer att an<span class=\"__8 _310\"/>v\u00e4nda alla tre v<span class=\"__8 _310\"/>\u00e4rderingsmodellerna, men den r\u00f6rliga a<span class=\"__8 _310\"/>vgiftsmodellen kommer a<span class=\"__8 _310\"/>tt till\u00e4mpas f\u00f6r <span class=\"__8 _331\">99 procen</span><span class=\"__8 _310\"/>t av f<span class=\"__8 _312\"/>\u00f6r<span class=\"__8 _311\"/>s\u00e4kringsavt<span class=\"__8 _310\"/>alen vid \u00f6verg\u00e5ngen (bas<span class=\"__8 _310\"/>erat p\u00e5 skulder per 31 december 2021).<span class=\"__8 _331\"> </span>Nordea kommer att an<span class=\"__8 _310\"/>v\u00e4nda EU:s s\u00e5 kallade carve out-ver-<span class=\"__8 _331\"> </span>sion f\u00f6r \u00e5rsgrupper<span class=\"__8 _310\"/>ade avtal f<span class=\"__8 _312\"/>\u00f6r tv\u00e5 portf\u00f6ljer med ett redovisat <span class=\"__8 _331\">v\u00e4rde p\u00e5 6 293 mn eur</span><span class=\"__8 _310\"/>o (baserat p\u00e5 f<span class=\"__8 _310\"/>\u00f6rs\u00e4kringsskulder per <span class=\"__8 _331\">31 december 2021). Nordea kommer in</span><span class=\"__8 _310\"/>te att an<span class=\"__8 _310\"/>v\u00e4nda m\u00f6jlighe-<span class=\"__8 _331\"> </span>ten att dela upp \ufb01nansiella in<span class=\"__8 _310\"/>t\u00e4kt<span class=\"__8 _310\"/>er och kostnader f<span class=\"__8 _310\"/>r\u00e5n f<span class=\"__8 _310\"/>\u00f6rs\u00e4k-<span class=\"__8 _331\"> </span>ringsavtal mellan r<span class=\"__8 _310\"/>esulta<span class=\"__8 _310\"/>t och \u00f6vrigt totalr<span class=\"__8 _310\"/>esulta<span class=\"__8 _310\"/>t.<span class=\"__8 _331\"> </span>Det \ufb01nns olika metoder f<span class=\"__8 _310\"/>\u00f6r \u00f6verg\u00e5ngen, ber<span class=\"__8 _310\"/>oende p\u00e5 tillg\u00e5ng<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>en till data vid \u00f6v<span class=\"__8 _310\"/>erg\u00e5ngen (1 januari 2022). <span class=\"ws64_2\">Nordea</span> har in<span class=\"__8 _310\"/>te till<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>r\u00e4ckligt med inf<span class=\"__8 _312\"/>ormation f\u00f6r att kunna till\u00e4mpa den hel<span class=\"__8 _310\"/>t eller modi\ufb01erade retr<span class=\"__8 _310\"/>ospektiva met<span class=\"__8 _310\"/>oden f\u00f6r huvuddelen a<span class=\"__8 _312\"/>v avtalen, och kommer d\u00e4rf\u00f6r a<span class=\"__8 _310\"/>tt anv\u00e4nda sig a<span class=\"__8 _310\"/>v verkligt v<span class=\"__8 _310\"/>\u00e4rde-metoden. F\u00f6r de fles<span class=\"__8 _310\"/>ta \u00e5ters<span class=\"__8 _310\"/>t\u00e5ende avt<span class=\"__8 _310\"/>alen till\u00e4mpas den modi\ufb01erade retro<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>spektiv<span class=\"__8 _310\"/>a metoden. <span class=\"ws64_2\">Nordea</span> kommer a<span class=\"__8 _310\"/>tt anv\u00e4nda sig a<span class=\"__8 _312\"/>v verkligt<span class=\"__8 _311\"/> v\u00e4rde-metoden f<span class=\"__8 _312\"/>\u00f6r cirka 91 procent a<span class=\"__8 _310\"/>v f\u00f6rs\u00e4kringsa<span class=\"__8 _310\"/>vtalen (baser<span class=\"__8 _310\"/>at p\u00e5 skulder per 31 december 2021). <span class=\"__8 _312\"/>Till\u00e4mpningen av verkligt v\u00e4r<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>de-metoden i <span class=\"ws64_2\">Nordea</span> kommer a<span class=\"__8 _310\"/>tt ge en h\u00f6gre a<span class=\"__8 _310\"/>vtalsenlig margi<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>nal j\u00e4mf<span class=\"__8 _310\"/>\u00f6rt med de retrospektiv<span class=\"__8 _310\"/>a metoderna, och d\u00e4rmed en st<span class=\"__8 _310\"/>\u00f6r<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>re minskning i eget kapital vid \u00f6v<span class=\"__8 _310\"/>erg\u00e5ngen eftersom den h\u00e4r metoden generellt kr<span class=\"__8 _310\"/>\u00e4v<span class=\"__8 _310\"/>er en ytterligare mar<span class=\"__8 _310\"/>ginal som en m\u00f6jlig tredje part skulle kr\u00e4<span class=\"__8 _310\"/>va. Den h\u00e4r mar<span class=\"__8 _310\"/>ginalen kr\u00e4<span class=\"__8 _310\"/>vs inte f<span class=\"__8 _312\"/>\u00f6r de<span class=\"__8 _311\"/> retrospek<span class=\"__8 _310\"/>tiva metoderna. Det inneb\u00e4r ocks\u00e5 a<span class=\"__8 _310\"/>tt den avt<span class=\"__8 _310\"/>alsenliga marginalen som ska periodiser<span class=\"__8 _310\"/>as i fram<span class=\"__8 _310\"/>tiden \u00e4r h\u00f6gre enligt verk<span class=\"__8 _312\"/><span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>ligt v\u00e4rde-metoden j\u00e4m<span class=\"__8 _310\"/>f<span class=\"__8 _310\"/>\u00f6rt med de retrospektiv<span class=\"__8 _310\"/>a metoderna. Den kvan<span class=\"__8 _310\"/>titativa in<span class=\"__8 _310\"/>verkan som in<span class=\"__8 _310\"/>f\u00f6r<span class=\"__8 _310\"/>andet av IFRS 1<span class=\"__8 _310\"/>7 f\u00e5r p\u00e5 Nordeas redovisning vid \u00f6<span class=\"__8 _310\"/>verg\u00e5ngen den 1 januari 2022 \u00e4r en reducering a<span class=\"__8 _310\"/>v eget kapital med 573 mn euro. Detta belopp inkluderar \u00e4<span class=\"__8 _310\"/>ven en om<span class=\"__8 _310\"/>v\u00e4rdering a<span class=\"__8 _310\"/>v obligationer som tidigar<span class=\"__8 _310\"/>e har v\u00e4rder<span class=\"__8 _310\"/><span class=\"__8 _331\">ats till \u201dUpplupet anskaff</span><span class=\"__8 _310\"/>ningsv\u00e4rde\u201d men klassi\ufb01c<span class=\"__8 _310\"/>e-<span class=\"__8 _331\"> </span>rats om som \u201dV<span class=\"__8 _312\"/>erkligt v\u00e4rde via resul<span class=\"__8 _310\"/>tatr\u00e4kningen\u201d vid \u00f6<span class=\"__8 _310\"/>ver-<span class=\"__8 _331\"> </span>g\u00e5ngen. K\u00e4rnprim\u00e4rkapitalr<span class=\"__8 _310\"/>elationen kommer att r<span class=\"__8 _310\"/>educeras med 23 punkter vid \u00f6v<span class=\"__8 _310\"/>erg\u00e5ngen.<span class=\"__8 _331\"> </span>Beskrivningarna ovan g\u00e4ller f<span class=\"__8 _312\"/>\u00f6r f\u00f6rs\u00e4kringsavtal som inne-<span class=\"__8 _331\"> </span>has av Nor<span class=\"__8 _310\"/>dea vid \u00f6ver<span class=\"__8 _310\"/>g\u00e5ngen den 1 januari 2022. Kon<span class=\"__8 _310\"/>trak<span class=\"__8 _310\"/>t i T<span class=\"__8 _a_7\"/>opdanmark Livsforsikring kommer d\u00e4rmed in<span class=\"__8 _310\"/>te att p\u00e5<span class=\"__8 _310\"/>verka Nordeas \u00f6ver<span class=\"__8 _310\"/>g\u00e5ng till IFRS 17<span class=\"__8 _a_7\"/>. F\u00f6r ytt<span class=\"__8 _310\"/>erligare inf<span class=\"__8 _310\"/>ormation, se no<span class=\"__8 _310\"/>t K10.6 \u201d\u00d6verg\u00e5ngen till IFRS 17 F<span class=\"__8 _310\"/>\u00f6rs\u00e4kringsavtal\u201d<span class=\"__8 _a_7\"/>.<span class=\"__8 _331\"> </span>\u00c4ndringar i IAS 12 Inkomstska<span class=\"__8 _310\"/>tter: Uppskjutna skattef<span class=\"__8 _312\"/>ordringar och uppskjutna skatteskulder som h\u00e4rr\u00f6r fr<span class=\"__8 _310\"/>\u00e5n en enda transak<span class=\"__8 _310\"/>tion<span class=\"__8 _331\"> </span>IASB publicerade under 2021 \u00e4ndringar i IAS 12 Inkoms<span class=\"__8 _310\"/>tskatter: Uppskjutna skattef<span class=\"__8 _310\"/>ordringar och uppskjutna ska<span class=\"__8 _310\"/>tteskulder som h\u00e4rr\u00f6r fr<span class=\"__8 _310\"/>\u00e5n en enda transak<span class=\"__8 _310\"/>tion.<span class=\"__8 _331\"> </span>Enligt \u00e4ndringarna ska f\u00f6r<span class=\"__8 _310\"/>etag redovisa uppskjut<span class=\"__8 _310\"/>en skatt fr\u00e5n s\u00e4rskilda transak<span class=\"__8 _312\"/>tioner som vid f\u00f6rsta redovisnings<span class=\"__8 _310\"/>tillf\u00e4llet ger upphov till skatt<span class=\"__8 _310\"/>epliktiga och a<span class=\"__8 _310\"/>vdr<span class=\"__8 _310\"/>agsgilla tempor\u00e4r<span class=\"__8 _310\"/>a skill-<span class=\"__8 _331\"> </span>nader av lika belopp<span class=\"__8 _310\"/>. Ett s\u00e5dant kr<span class=\"__8 _310\"/>av k<span class=\"__8 _310\"/>an g\u00e4lla vid f\u00f6rsta r<span class=\"__8 _310\"/>edo-<span class=\"__8 _331\"> </span>visningstillf<span class=\"__8 _310\"/>\u00e4llet f\u00f6r en leasingsk<span class=\"__8 _310\"/>uld och motsvar<span class=\"__8 _310\"/>ande nyttjan-<span class=\"__8 _331\"> </span>der\u00e4tt f<span class=\"__8 _310\"/>\u00f6r tillg\u00e5ngen vid leasingperiodens b\u00f6rjan. Kra<span class=\"__8 _312\"/>vet g\u00e4ller ocks\u00e5 i samband med nedmontering, \u00e5<span class=\"__8 _310\"/>terst\u00e4llande och liknan-<span class=\"__8 _331\"> </span>de \u00e5taganden, d\u00e4r de motsv<span class=\"__8 _310\"/>arande beloppen redo<span class=\"__8 _310\"/>visas som en del av k<span class=\"__8 _310\"/>ostnaden f<span class=\"__8 _310\"/>\u00f6r den ber\u00f6rda tillg\u00e5ngen.<span class=\"__8 _331\"> </span>\u00c4ndringarna har godk\u00e4nts a<span class=\"__8 _310\"/>v EU och ska till\u00e4mpas f<span class=\"__8 _310\"/>\u00f6r r\u00e4ken<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span><span class=\"__8 _331\">skaps\u00e5r som b\u00f6rjar den 1 januari 2023 eller senare, och tidigare </span>till\u00e4mpning \u00e4r till\u00e5ten. Uppl<span class=\"__8 _310\"/>ysningar om bruttobeloppen f\u00f6r upp<span class=\"ls0_8 ws0_8\">-<span class=\"__8 _331\"> </span></span>skjutna skattef<span class=\"__8 _310\"/>ordringar och ska<span class=\"__8 _310\"/>tteskulder k<span class=\"__8 _310\"/>ommer att l\u00e4mnas, men beloppen kvittas i balansr\u00e4kningen om kra<span class=\"__8 _312\"/>ven uppfylls. Enligt Nordea<span class=\"ws0_8\"><span class=\"__8 _331\">s bed\u00f6mning kommer eff</span><span class=\"__8 _312\"/>ekten p\u00e5 bruttobeloppen </span>f\u00f6r uppskjutna ska<span class=\"__8 _310\"/>ttef<span class=\"__8 _310\"/>ordringar och skatt<span class=\"__8 _310\"/>eskulder<span class=\"__8 _312\"/>, redovisade i not K2.<span class=\"__8 _312\"/>10 \u201dSkatter<span class=\"__8 _311\"/>\u201d<span class=\"__8 _312\"/>, att uppg\u00e5 till cirka 200 mn euro per den <span class=\"__8 _331\">1 januari 2023. Men eftersom dessa belopp f\u00f6rv\u00e4n</span><span class=\"__8 _310\"/>tas kvittas i balansr\u00e4kningen, \u00e4r <span class=\"ws66_2\">Nordea</span>s nuv<span class=\"__8 _310\"/>arande bed\u00f6mning att \u00e4ndring<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>en inte f<span class=\"__8 _310\"/>\u00e5r n\u00e5gon annan betydande in<span class=\"__8 _310\"/>verkan p\u00e5 <span class=\"ws66_2\">Nordea</span>s r<span class=\"__8 _310\"/>edo<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>visning eller kapitalt\u00e4ckning n\u00e4r de till\u00e4mpas f<span class=\"__8 _310\"/>\u00f6rsta g\u00e5ngen.<span class=\"__8 _331\"> </span>\u00d6vriga f\u00f6r<span class=\"__8 _310\"/>\u00e4ndringar i IFRS<span class=\"__8 _331\"> </span>IASB har publicera<span class=\"__8 _310\"/>t f\u00f6ljande ny<span class=\"__8 _310\"/>a eller omarbetade standar<span class=\"__8 _310\"/>der d\u00e4r bed\u00f6mningen \u00e4r att dessa in<span class=\"__8 _310\"/>te f\u00e5r n\u00e5gon bety<span class=\"__8 _310\"/>dande inver-<span class=\"__8 _331\"> </span>kan p\u00e5 Nordeas redo<span class=\"__8 _310\"/>visning eller kapitalt\u00e4ckning f<span class=\"__8 _310\"/>\u00f6r den f\u00f6rs<span class=\"__8 _310\"/>ta till\u00e4mpnings perioden:<span class=\"__8 _331\"> </span>\u2022 <span class=\"__8 _11c_1\"> </span><span class=\"ws0_8\">\u00c4ndringar av IAS 1 Utf<span class=\"__8 _310\"/>ormning a<span class=\"__8 _310\"/>v \ufb01nansiella rapporter: Klas<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span></span>si\ufb01cering a<span class=\"__8 _310\"/>v skulder som kort- eller l\u00e5ngfris<span class=\"__8 _310\"/>tiga liksom Klas<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>si\ufb01cering a<span class=\"__8 _310\"/>v skulder som kort- eller l\u00e5ngfris<span class=\"__8 _310\"/>tiga \u2013 ikrafttr<span class=\"__8 _310\"/>\u00e4<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>dandet senarelagt sam<span class=\"__8 _310\"/>t L\u00e5ngfristiga sk<span class=\"__8 _310\"/>ulder med kov<span class=\"__8 _310\"/>enanter<span class=\"__8 _331\"> </span>\u2022 <span class=\"__8 _11c_1\"> </span>\u00c4ndringar av IAS 8 R<span class=\"__8 _310\"/>edovisningsprinciper<span class=\"__8 _312\"/>, \u00e4ndringar i upp-<span class=\"__8 _331\"> </span>skattningar och bed\u00f6mningar sam<span class=\"__8 _310\"/>t fel: De\ufb01nition a<span class=\"__8 _312\"/>v upp<span class=\"__8 _311\"/>-<span class=\"__8 _331\"> </span>skattningar och bed\u00f6mningar<span class=\"__8 _331\"> </span>\u2022 <span class=\"__8 _11c_1\"> </span>\u00c4ndringar av IAS 1 Utf<span class=\"__8 _312\"/>ormning av \ufb01nansiella rapporter och <span class=\"__8 _331\">IFRS praxis uttalande 2: Uppl</span><span class=\"__8 _310\"/>ysningar om redovisningsprinciper<span class=\"__8 _331\"> </span>\u2022 <span class=\"__8 _11c_1\"> </span>F\u00f6r<span class=\"__8 _310\"/>eslagna \u00e4ndringar av IFRS 16 L<span class=\"__8 _310\"/>easing: Leasingskuld i ett sale and leaseback-<span class=\"__8 _310\"/>a<span class=\"__8 _310\"/>vtal<span class=\"__8 _331\"> </span>Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__8 _310\"/>ttningar<span class=\"__8 _331\"> </span>F\u00f6r a<span class=\"__8 _310\"/>tt uppr\u00e4tta \u00e5rsredo<span class=\"__8 _310\"/>visning i enlighet med god redovis-<span class=\"__8 _331\"> </span>ningssed m\u00e5ste ledningen i vissa f<span class=\"__8 _310\"/>all anv<span class=\"__8 _310\"/>\u00e4nda sig av bed\u00f6m-<span class=\"__8 _331\"> </span>ningar och uppskattningar<span class=\"__8 _312\"/>. Det fak<span class=\"__8 _310\"/>tiska utfallet kan senar<span class=\"__8 _310\"/>e i viss m\u00e5n avvika f<span class=\"__8 _310\"/>r\u00e5n de uppska<span class=\"__8 _310\"/>ttningar och antaganden som gjorts. S\u00e5dana bed\u00f6mningar och uppskattningar beskrivs under \u201dKritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar\u201d i ber\u00f6rda not<span class=\"__8 _310\"/>er<span class=\"__8 _312\"/>, med uppgift om bland annat:<span class=\"__8 _331\"> </span>\u2022 <span class=\"__8 _11c_1\"> </span>de k\u00e4llor till os\u00e4kerhet i uppskattningar vid r<span class=\"__8 _310\"/>apportperio-<span class=\"__8 _331\"> </span>dens slut som inneb\u00e4r en betydande risk f<span class=\"__8 _310\"/>\u00f6r en v\u00e4sen<span class=\"__8 _310\"/>tlig jus-<span class=\"__8 _331\"> </span>tering a<span class=\"__8 _310\"/>v de redovisade v<span class=\"__8 _310\"/>\u00e4rdena f\u00f6r tillg\u00e5ngar och sk<span class=\"__8 _310\"/>ulder under n\u00e4stkommande r<span class=\"__8 _310\"/>\u00e4kenskaps\u00e5r<span class=\"__8 _312\"/>, och \u2022 <span class=\"__8 _11c_1\"> </span>de bed\u00f6mningar vid till\u00e4mpningen av r<span class=\"__8 _310\"/>edovisningsprinciper (ut\u00f6ver de s<span class=\"__8 _310\"/>om g\u00e4ller uppskattningar) som har st<span class=\"__8 _310\"/>\u00f6rst inver-<span class=\"__8 _331\"> </span>kan p\u00e5 de redovisade beloppen.<span class=\"__8 _331\"> </span>Kritiska bed\u00f6mningar och uppskattningar \u00e4r fr<span class=\"__8 _310\"/>\u00e4mst h\u00e4n<span class=\"__8 _310\"/>f\u00f6rliga till:<span class=\"__8 _331\"> </span>\u2022 <span class=\"__8 _11c_1\"> </span>R\u00e4ntenett<span class=\"__8 _310\"/>o (not K2.2)<span class=\"__8 _331\"> </span>\u2022 <span class=\"__8 _11c_1\"> </span>Nettoresult<span class=\"__8 _310\"/>at a<span class=\"__8 _310\"/>v poster till verkligt v<span class=\"__8 _310\"/>\u00e4rde (not K2.4)<span class=\"__8 _331\"> </span>\u2022 <span class=\"__8 _11c_1\"> </span>V<span class=\"__8 _310\"/>erkligt v\u00e4r<span class=\"__8 _310\"/>de (not K3.4)<span class=\"__8 _331\"> </span>\u2022 <span class=\"__8 _11c_1\"> </span>Klassi\ufb01cering och v\u00e4rdering (no<span class=\"__8 _310\"/>t K3.3) \u2022 <span class=\"__8 _11c_1\"> </span>Redovisning och bortbokning i balansr\u00e4kningen (no<span class=\"__8 _310\"/>t K3.<span class=\"__8 _312\"/>1)<span class=\"__8 _331\"> </span>\u2022 <span class=\"__8 _11c_1\"> </span>Pr\u00f6vning a<span class=\"__8 _310\"/>v nedskrivningsbehov<span class=\"__8 _310\"/>et f\u00f6r: <span class=\"__8 _11d_1\"/>-<span class=\"__8 _11e_1\"> </span> Immateriella tillg\u00e5ngar (no<span class=\"__8 _310\"/>t K5.<span class=\"__8 _312\"/>1) <span class=\"__8 _11d_1\"/>-<span class=\"__8 _11e_1\"> </span> Utl\u00e5ning (not K3.<span class=\"__8 _310\"/>7)<span class=\"__8 _331\"> </span>\u2022 <span class=\"__8 _11c_1\"> </span>Bed\u00f6mning av n<span class=\"__8 _310\"/>yttjandeperiod f\u00f6r imma<span class=\"__8 _310\"/>teriella tillg\u00e5ngar (not K5.<span class=\"__8 _312\"/>1)<span class=\"__8 _331\"> </span>\u2022 <span class=\"__8 _11c_1\"> </span>S\u00e4kringsredovisning (no<span class=\"__8 _310\"/>t K3.6)<span class=\"__8 _331\"> </span>\u2022 <span class=\"__8 _11c_1\"> </span>Pensioner (not K8.2)<span class=\"__8 _331\"> </span>\u2022 <span class=\"__8 _11c_1\"> </span>F\u00f6rs\u00e4kringsa<span class=\"__8 _310\"/>vtal (not K4)<span class=\"__8 _331\"> </span>\u2022 <span class=\"__8 _11c_1\"> </span>F\u00f6rvaltningsf<span class=\"__8 _312\"/>astigheter (not K5.3)<span class=\"__8 _331\"> </span>\u2022 <span class=\"__8 _11c_1\"> </span>Leasing (not K5.4)<span class=\"__8 _331\"> </span>\u2022 <span class=\"__8 _11c_1\"> </span>Konsolider<span class=\"__8 _310\"/>ade f\u00f6r<span class=\"__8 _310\"/>etag (not K9.<span class=\"__8 _312\"/>1)<span class=\"__8 _331\"> </span>\u2022 <span class=\"__8 _11c_1\"> </span>Skatter (no<span class=\"__8 _310\"/>t K2.<span class=\"__8 _312\"/>10)<span class=\"__8 _331\"> </span>\u2022 <span class=\"__8 _11c_1\"> </span>A<span class=\"__8 _312\"/>vs\u00e4ttningar (not K6)<span class=\"__8 _331\"> </span>Nordea har anv<span class=\"__8 _310\"/>\u00e4nt sig a<span class=\"__8 _310\"/>v kritiska bed\u00f6mningar vid uppr\u00e4<span class=\"__8 _310\"/>ttan-<span class=\"__8 _331\"> </span>det av denna \u00e5rsredo<span class=\"__8 _310\"/>visning till f\u00f6ljd a<span class=\"__8 _312\"/>v os\u00e4kerheten ifr\u00e5ga om de poten<span class=\"__8 _310\"/><span class=\"__8 _331\">tiella l\u00e5ngsiktiga eff</span><span class=\"__8 _312\"/>ekter som h\u00f6gre energi- och r<span class=\"__8 _310\"/>\u00e5v<span class=\"__8 _310\"/>a-<span class=\"__8 _331\"> </span>rupriser samt minskad priv<span class=\"__8 _310\"/>atkonsum<span class=\"__8 _310\"/>tion inom flera br<span class=\"__8 _310\"/>anscher kan f\u00e5 p\u00e5 Nor<span class=\"__8 _310\"/>deas redovisning. S\u00e4rskilt vik<span class=\"__8 _310\"/>tiga omr\u00e5den under 2022 var pr\u00f6<span class=\"__8 _310\"/>vning av nedskrivningsbeho<span class=\"__8 _310\"/>vet f<span class=\"__8 _310\"/>\u00f6r goodwill och utl\u00e5ning till allm\u00e4nheten/kreditinstitut.<span class=\"__8 _331\"> </span>F\u00f6r goodwill iden<span class=\"__8 _310\"/>ti\ufb01erades inget nedskrivningsbeho<span class=\"__8 _310\"/>v under 2022, men det \ufb01nns os\u00e4kerhet i uppskattningarna a<span class=\"__8 _312\"/>v hur<span class=\"__8 _311\"/> Nordea<span class=\"ws0_8\">s redovisning p\u00e5<span class=\"__8 _312\"/>verkas p\u00e5 l\u00e5ng sikt. Nya bed\u00f6mningar </span>av nedskrivningsbeho<span class=\"__8 _310\"/>vet kommer a<span class=\"__8 _310\"/>tt g\u00f6ras f<span class=\"__8 _310\"/>ortl\u00f6pande. Nordea<span class=\"ws0_8\">s samlade goodwill uppgick till 2 262 mn euro vid<span class=\"__8 _331\"> </span></span>utg\u00e5ngen a<span class=\"__8 _310\"/>v 2022 och till 1 975 mn euro vid utg\u00e5ngen a<span class=\"__8 _310\"/>v 2021. Prognoserna str<span class=\"__8 _310\"/>\u00e4cker sig fr<span class=\"__8 _310\"/>am till utg\u00e5ngen a<span class=\"__8 _310\"/>v 2025 och f\u00f6r de efterf\u00f6ljande perioderna an<span class=\"__8 _310\"/>v\u00e4ndes det l\u00e5ngsik<span class=\"__8 _310\"/>tiga tillv\u00e4xt<span class=\"__8 _310\"/>anta<span class=\"__8 _310\"/><span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>gandet. F\u00f6r mer inf<span class=\"__8 _310\"/>ormation om pr\u00f6<span class=\"__8 _310\"/>vning av nedskrivningsbe<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>hov f<span class=\"__8 _310\"/>\u00f6r goodwill, se not K5.<span class=\"__8 _312\"/>1 \u201dImmateriella tillg\u00e5ngar<span class=\"__8 _311\"/>\u201d<span class=\"__8 _312\"/>.<span class=\"__8 _331\"> </span>Kritiska bed\u00f6mningar har ocks\u00e5 anv\u00e4n<span class=\"__8 _310\"/>ts i bed\u00f6mningen a<span class=\"__8 _310\"/>v n\u00e4r l\u00e5n omf<span class=\"__8 _310\"/>attats a<span class=\"__8 _312\"/>v kraftigt \u00f6kad kreditrisk (enligt ka<span class=\"__8 _310\"/>tegoriin-<span class=\"__8 _331\"> </span>delningen) och f\u00f6r makr<span class=\"__8 _310\"/>oscenarier vid uppskattning a<span class=\"__8 _312\"/>v \u00f6kning-<span class=\"__8 _331\"> </span>en i f\u00f6rv\u00e4n<span class=\"__8 _310\"/>tade kreditf<span class=\"__8 _310\"/>\u00f6rlust<span class=\"__8 _310\"/>er<span class=\"__8 _312\"/>. Vid ber\u00e4kningen av individuella avs\u00e4<span class=\"__8 _310\"/>ttningar f\u00f6r bety<span class=\"__8 _310\"/>dande os\u00e4kra l\u00e5nef<span class=\"__8 _310\"/>ordringar anv<span class=\"__8 _310\"/>\u00e4ndes kritiska bed\u00f6mningar f\u00f6r a<span class=\"__8 _310\"/>tt uppskatta belopp och tidslinje f<span class=\"__8 _310\"/>\u00f6r de f\u00f6rv\u00e4n<span class=\"__8 _310\"/>tade kassafl\u00f6dena f<span class=\"__8 _310\"/>r\u00e5n kunder enligt olika sc<span class=\"__8 _310\"/>enarier<span class=\"__8 _312\"/>, och f\u00f6r a<span class=\"__8 _310\"/>tt v\u00e4rder<span class=\"__8 _310\"/>a even<span class=\"__8 _310\"/>tuellt erh\u00e5llna s\u00e4kerheter<span class=\"__8 _312\"/>. Vidare anv\u00e4ndes kritiska bed\u00f6mningar f<span class=\"__8 _312\"/>\u00f6r att fastst<span class=\"__8 _310\"/>\u00e4lla sannolikheten f\u00f6r a<span class=\"__8 _310\"/>tt de olika scenarierna skulle in<span class=\"__8 _310\"/>tr\u00e4<span class=\"__8 _310\"/><span class=\"__8 _331\">ffa. Mer in</span><span class=\"__8 _310\"/>forma<span class=\"__8 _310\"/>tion om pr\u00f6vning a<span class=\"__8 _310\"/>v nedskrivningsbehov<span class=\"__8 _310\"/>et f\u00f6r utl\u00e5ning till allm\u00e4nhe-<span class=\"__8 _331\"> </span>ten/kreditinstitut \ufb01nns i a<span class=\"__8 _312\"/>vsnittet \u201dKreditf\u00f6rlus<span class=\"__8 _310\"/>ter och liknande nettoresult<span class=\"__8 _310\"/>at\u201d p\u00e5 sidan 40, i not K3.7 \u201dUtl\u00e5ning\u201d och under \u201d\u00d6vrig inf<span class=\"__8 _310\"/>ormation\u201d p\u00e5 sidan 46. In<span class=\"__8 _310\"/>forma<span class=\"__8 _310\"/>tion om k\u00e4nsligheten f\u00f6r r<span class=\"__8 _310\"/>ating- och scoringf<span class=\"__8 _310\"/>\u00f6r\u00e4ndringar \ufb01nns i a<span class=\"__8 _312\"/>vsnittet \u201dK\u00e4nslighe-<span class=\"__8 _331\"> </span>ter<span class=\"__8 _311\"/>\u201d i not K11 \u201dRisk- och likvidit<span class=\"__8 _310\"/>etshantering\u201d<span class=\"__8 _331\"> </span><span class=\"__8 _a_7\"/>.<span class=\"__8 _331\"> </span>Omr\u00e4kning a<span class=\"__8 _310\"/>v tillg\u00e5ngar och skulder i utl\u00e4ndsk val<span class=\"__8 _310\"/>uta<span class=\"__8 _331\"> </span>En enhets (koncern<span class=\"__8 _310\"/>f\u00f6ret<span class=\"__8 _310\"/>ag eller \ufb01lial) funk<span class=\"__8 _310\"/>tionella valuta f<span class=\"__8 _310\"/>ast<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>st\u00e4lls utifr<span class=\"__8 _310\"/>\u00e5n den ekonomiska milj\u00f6 i vilken enhet<span class=\"__8 _310\"/>en prim\u00e4rt bedriver sin verksamhet. Utl\u00e4ndsk valuta de\ufb01nier<span class=\"__8 _310\"/>as som annan valuta \u00e4n enhetens f<span class=\"__8 _310\"/>unktionella v<span class=\"__8 _310\"/>aluta. <span class=\"__8 _312\"/>T<span class=\"__8 _312\"/>ransaktioner i utl\u00e4ndsk valuta r<span class=\"__8 _310\"/>edovisas till transak<span class=\"__8 _310\"/>tionsdagens kurs. Monet\u00e4ra till<span class=\"__8 _310\"/>g\u00e5ng<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>ar och skulder i utl\u00e4ndsk val<span class=\"__8 _310\"/>uta omr\u00e4knas till balansdagens kurs. V<span class=\"__8 _312\"/><span class=\"__8 _331\">alutakursdifferens</span><span class=\"__8 _310\"/>er som uppkommer vid reglering a<span class=\"__8 _310\"/>v trans<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>aktioner till k<span class=\"__8 _310\"/>urser som avvik<span class=\"__8 _310\"/>er fr\u00e5n dem p\u00e5 tr<span class=\"__8 _310\"/>ansaktionsdagen, liksom orealiserade omr<span class=\"__8 _310\"/><span class=\"__8 _331\">\u00e4kningsdiff</span><span class=\"__8 _310\"/>erenser p\u00e5 ej regler<span class=\"__8 _310\"/>ade mone<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>t\u00e4ra tillg\u00e5ngar och skulder i utl\u00e4ndsk v<span class=\"__8 _310\"/>aluta, redo<span class=\"__8 _310\"/>visas i resulta<span class=\"__8 _310\"/>t<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>r\u00e4kningen under \u201dNettore<span class=\"__8 _310\"/>sultat a<span class=\"__8 _310\"/>v post<span class=\"__8 _310\"/>er till verkligt v\u00e4rde\u201d<span class=\"__8 _a_7\"/>. V<span class=\"__8 _312\"/><span class=\"__8 _331\">alutakursdifferens</span><span class=\"__8 _310\"/>er som h\u00e4rr\u00f6r fr<span class=\"__8 _310\"/>\u00e5n interna, l\u00e5ngf<span class=\"__8 _310\"/>ristiga for<span class=\"__8 _310\"/>dringar p\u00e5 eller skulder till utl\u00e4ndska verksamhet<span class=\"__8 _310\"/>er d\u00e4r n\u00e5gon betalning varken planer<span class=\"__8 _310\"/>as eller sannolikt k<span class=\"__8 _310\"/>ommer att ske i fr<span class=\"__8 _310\"/>amtiden (i prak<span class=\"__8 _312\"/>tiken, en del av Nordeas nettoin<span class=\"__8 _310\"/>vestering i den utl\u00e4ndska verksamheten) redo<span class=\"__8 _310\"/>visas under \u00d6vrigt totalr<span class=\"__8 _310\"/>e-<span class=\"__8 _331\"> </span>sultat och omklassi\ufb01c<span class=\"__8 _310\"/>eras fr<span class=\"__8 _310\"/>\u00e5n eget kapital till resulta<span class=\"__8 _310\"/>tr\u00e4kning-<span class=\"__8 _331\"> </span>en n\u00e4r netto <span class=\"__8 _11f_1\"/>inves<span class=\"__8 _310\"/>teringen a<span class=\"__8 _310\"/>vyttras. F<span class=\"__8 _310\"/>\u00f6r omr\u00e4kning a<span class=\"__8 _310\"/>v de utl\u00e4ndska f\u00f6r<span class=\"__8 _310\"/>etagens och \ufb01lialernas \ufb01nansiella rapporter<span class=\"__8 _312\"/>, se not K9.2 \u201dV<span class=\"__8 _312\"/>alutaomr\u00e4kning av utl\u00e4ndska f<span class=\"__8 _312\"/>\u00f6retag/\ufb01lialer<span class=\"__8 _e_7\"/>\u201d<span class=\"__8 _a_7\"/>.<span class=\"__8 _331\"> </span>V<span class=\"__8 _312\"/>alutakurser<span class=\"__8 _331\"> </span>Jan\u2013dec 2022<span class=\"__8 _a8_1\"> </span>Jan\u2013<span class=\"__8 _311\"/>dec 2021<span class=\"__8 _331\"> </span>EUR 1 = svenska kronor<span class=\"__8 _331\"> </span>Resulta<span class=\"__8 _310\"/>tr\u00e4kning (genomsnitt)<span class=\"__8 _3a_3\"> </span>10,627<span class=\"__8 _312\"/>4<span class=\"__8 _c9_1\"> </span>10,1<span class=\"__8 _310\"/>460<span class=\"__8 _331\"> </span>Balansr\u00e4kning (vid periodens slut)<span class=\"__8 _7d_1\"> </span>11,<span class=\"__8 _312\"/>1202<span class=\"__8 _e8_1\"> </span>10,2913<span class=\"__8 _331\"> </span>EUR 1 = danska kronor<span class=\"__8 _331\"> </span>Resulta<span class=\"__8 _310\"/>tr\u00e4kning (genomsnitt)<span class=\"__8 _343\"> </span>7<span class=\"__8 _312\"/>,4395<span class=\"__8 _d8_1\"> </span>7,4370<span class=\"__8 _331\"> </span>Balansr\u00e4kning (vid periodens slut)<span class=\"__8 _337\"> </span>7<span class=\"__8 _310\"/>,4365<span class=\"__8 _b2_1\"> </span>7<span class=\"__8 _312\"/>,4364<span class=\"__8 _331\"> </span>EUR 1 = norska kronor<span class=\"__8 _331\"> </span>Resulta<span class=\"__8 _310\"/>tr\u00e4kning (genomsnitt)<span class=\"__8 _344\"> </span>10,<span class=\"__8 _312\"/>102<span class=\"__8 _311\"/>3<span class=\"__8 _e8_1\"> </span>10,<span class=\"__8 _312\"/>1655<span class=\"__8 _331\"> </span>Balansr\u00e4kning (vid periodens slut)<span class=\"__8 _f0_1\"> </span>10,5180<span class=\"__8 _c9_1\"> </span>10,0185<span class=\"__8 _331\"> </span>RUB 1 = ryska rubel<span class=\"__8 _331\"> </span>Resulta<span class=\"__8 _310\"/>tr\u00e4kning (genomsnitt)<span class=\"__8 _345\"> </span>73,9902<span class=\"__8 _346\"> </span>87<span class=\"__8 _312\"/>,<span class=\"__8 _310\"/>1828<span class=\"__8 _331\"> </span>Balansr\u00e4kning (vid periodens slut)<span class=\"__8 _334\"> </span>78,5146<span class=\"__8 _a9_1\"> </span>85,0140<span class=\"__8 _331\"> </span>F<span class=\"__8 _310\"/>\u00f6r\u00e4ndringar i konc<span class=\"__8 _310\"/>ernstruktur<span class=\"__8 _310\"/>en<span class=\"__8 _331\"> </span>I enlighet med stra<span class=\"__8 _310\"/>tegin f<span class=\"__8 _310\"/>okuserar Nor<span class=\"__8 _310\"/>dea p\u00e5 sin verksamhet i Norden. Som en f<span class=\"__8 _310\"/>\u00f6ljd av detta har Nor<span class=\"__8 _310\"/>deakoncernen a<span class=\"__8 _310\"/>vveckla<span class=\"__8 _310\"/>t sin verksamhet i Ryssland. F<span class=\"__8 _310\"/>\u00f6r ytterligare in<span class=\"__8 _310\"/>forma<span class=\"__8 _310\"/>tion, se not K2.4 \u201dSumma nettoresult<span class=\"__8 _310\"/>at a<span class=\"__8 _310\"/>v poster till verkligt v<span class=\"__8 _310\"/>\u00e4rde\u201d<span class=\"__8 _a_7\"/>. F\u00f6r inf<span class=\"__8 _310\"/>ormation om andra f<span class=\"__8 _312\"/>\u00f6r\u00e4ndringar i koncernstruk<span class=\"__8 _310\"/>turen, se not <span class=\"__8 _331\">K9.6 \u201dF\u00f6rv\u00e4rv</span>K2 <span class=\"__9 _355\"> </span>Finansiellt r<span class=\"__9 _348\"/>esul<span class=\"__9 _348\"/>ta<span class=\"__9 _348\"/>t och a<span class=\"__9 _348\"/>vkas<span class=\"__9 _348\"/>tning<span class=\"__9 _356\"> </span>K2.<span class=\"__9 _357\"/>1 Segmentr<span class=\"__9 _348\"/>apportering<span class=\"__9 _356\"> </span>Redovisningsprinciper<span class=\"__9 _356\"> </span>Ett r\u00f6relsesegmen<span class=\"__9 _348\"/>t utg\u00f6r en del a<span class=\"__9 _348\"/>v Nordea s<span class=\"__9 _348\"/>om genererar<span class=\"__9 _356\"> </span>int\u00e4k<span class=\"__9 _348\"/>ter och kos<span class=\"__9 _348\"/>tnader som regelbundet r<span class=\"__9 _348\"/>apporteras till h\u00f6g-<span class=\"__9 _356\"> </span>sta verks<span class=\"__9 _348\"/>t\u00e4llande beslutsf<span class=\"__9 _348\"/>attar<span class=\"__9 _348\"/>e och d\u00e4r de rapporterade upp-<span class=\"__9 _356\"> </span>gifterna anv\u00e4nds s<span class=\"__9 _348\"/>om beslutsunderlag i fr<span class=\"__9 _348\"/>\u00e5gor som r\u00f6r<span class=\"__9 _356\"> </span>verksamheten.<span class=\"__9 _356\"> </span>V<span class=\"__9 _348\"/>\u00e4rderingsprinciper och allok<span class=\"__9 _348\"/>eringar mellan r\u00f6relseseg-<span class=\"__9 _356\"> </span>menten f<span class=\"__9 _348\"/>\u00f6ljer<span class=\"__9 _357\"/>, i enlighet med IFRS 8<span class=\"__9 _a_8\"/>, den inf<span class=\"__9 _348\"/>ormation som<span class=\"__9 _356\"> </span>rapporteras till den h\u00f6gst<span class=\"__9 _348\"/>a verkst\u00e4llande be<span class=\"__9 _348\"/>slutsfa<span class=\"__9 _348\"/>ttaren. I<span class=\"__9 _356\"> </span>Nordea de\ufb01nieras h\u00f6gs<span class=\"__9 _348\"/>ta verkst<span class=\"__9 _348\"/>\u00e4llande beslutsf<span class=\"__9 _348\"/>attare som<span class=\"__9 _356\"> </span>koncernchef<span class=\"__9 _348\"/>en, som bist\u00e5s a<span class=\"__9 _348\"/>v de \u00f6<span class=\"__9 _348\"/>vriga medlemmarna i<span class=\"__9 _356\"> </span>koncernledningen.<span class=\"__9 _356\"> </span>Nordea l\u00e4mnar upplysningar separ<span class=\"__9 _348\"/>at om v<span class=\"__9 _348\"/>arje r\u00f6relses<span class=\"__9 _348\"/>eg-<span class=\"__9 _356\"> </span>ment som har iden<span class=\"__9 _348\"/>ti\ufb01era<span class=\"__9 _348\"/>ts som ett r\u00f6relse<span class=\"__9 _348\"/>segment, f\u00f6rutsa<span class=\"__9 _348\"/>tt<span class=\"__9 _356\"> </span>att f<span class=\"__9 _348\"/>\u00f6ljande kvan<span class=\"__9 _348\"/>titativa gr<span class=\"__9 _348\"/>\u00e4nsv\u00e4r<span class=\"__9 _348\"/>den har uppn\u00e5tts:<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">Segmentets in<span class=\"__9 _348\"/>t\u00e4k<span class=\"__9 _348\"/>ter (in<span class=\"__9 _348\"/>terna och ex<span class=\"__9 _348\"/>terna) utg\u00f6r 10 proc<span class=\"__9 _348\"/>ent<span class=\"__9 _356\"> </span></span>eller mer av de samlade in<span class=\"__9 _348\"/>t\u00e4k<span class=\"__9 _348\"/>terna (in<span class=\"__9 _348\"/>terna och ex<span class=\"__9 _348\"/>terna) f<span class=\"__9 _348\"/>\u00f6r<span class=\"__9 _356\"> </span>alla r\u00f6relsesegmen<span class=\"__9 _348\"/>t<span class=\"__9 _356\"> </span>Resul<span class=\"__9 _348\"/>tatr<span class=\"__9 _348\"/>\u00e4kning 2022<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _356\"> </span>Personal<span class=\"__9 _356\"> </span>banking<span class=\"__9 _356\"> </span>Business<span class=\"__9 _356\"> </span>Banking<span class=\"__9 _356\"> </span>Large <span class=\"__9 _c_8\"/> Corporates &amp;<span class=\"__9 _356\"> </span>Institutions<span class=\"__9 _356\"> </span>Asset &amp;<span class=\"__9 _356\"> </span>Wealth <span class=\"__9 _c_8\"/> Management<span class=\"__9 _356\"> </span>\u00d6vriga <span class=\"__9 _c_8\"/> r\u00f6relse-<span class=\"__9 _356\"> </span>segment<span class=\"__9 _356\"> </span>Summa<span class=\"__9 _356\"> </span>r\u00f6relse-<span class=\"__9 _356\"> </span>segment<span class=\"__9 _d_8\"> </span>A<span class=\"__9 _348\"/>vst\u00e4mning<span class=\"__9 _356\"> </span>Summa<span class=\"__9 _356\"> </span>koncernen<span class=\"__9 _356\"> </span>R\u00e4ntenetto<span class=\"__9 _356\"> </span>2 559<span class=\"__9 _e_8\"> </span>1 940<span class=\"__9 _f_8\"> </span>1 159<span class=\"__9 _358\"> </span>169<span class=\"__9 _359\"> </span>-95<span class=\"__9 _360\"> </span>5 732<span class=\"__9 _361\"> </span>-68<span class=\"__9 _362\"> </span>5 664<span class=\"__9 _356\"> </span>A<span class=\"__9 _348\"/>vgifts- och pro<span class=\"__9 _348\"/>visionsnetto<span class=\"__9 _356\"> </span>1 215<span class=\"__9 _363\"> </span>645<span class=\"__9 _364\"> </span>461<span class=\"__9 _365\"> </span>1 073<span class=\"__9 _366\"> </span><span class=\"ls2_8 ws5_8\">-22<span class=\"__9 _360\"> </span></span>3 37<span class=\"__9 _a_8\"/>2<span class=\"__9 _367\"> </span>-36<span class=\"__9 _1a_5\"> </span>3 336<span class=\"__9 _356\"> </span>Nettoresulta<span class=\"__9 _348\"/>t av pos<span class=\"__9 _348\"/>ter till verkligt v\u00e4r<span class=\"__9 _348\"/>de<span class=\"__9 _356\"> </span>142<span class=\"__9 _1b_5\"> </span><span class=\"ls0_9 ws0_9\">386<span class=\"__9 _367\"> </span>569<span class=\"__9 _1c_5\"> </span>36<span class=\"__9 _1d_5\"> </span>95<span class=\"__9 _1e_5\"> </span>1 228<span class=\"__9 _f_8\"> </span>-507<span class=\"__9 _361\"> </span>7<span class=\"__9 _a_8\"/>21<span class=\"__9 _356\"> </span></span>Andelar i intresse<span class=\"__9 _348\"/>f\u00f6retags och join<span class=\"__9 _348\"/>t ven<span class=\"__9 _348\"/>tures resul<span class=\"__9 _348\"/>tat<span class=\"__9 _356\"> </span>enligt kapitalandelsmetoden<span class=\"__9 _356\"> </span>0<span class=\"__9 _1f_5\"> </span>1<span class=\"__9 _368\"> </span>0<span class=\"__9 _369\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _370\"> </span><span class=\"ls4_8 ws7_8\">-4<span class=\"__9 _371\"> </span>-4<span class=\"__9 _371\"> </span>-4<span class=\"__9 _371\"> </span></span></span>-8<span class=\"__9 _356\"> </span>\u00d6vriga r\u00f6relsein<span class=\"__9 _348\"/>t\u00e4kter<span class=\"__9 _356\"> </span>5<span class=\"__9 _364\"> </span>34<span class=\"__9 _372\"> </span>16<span class=\"__9 _373\"> </span>1<span class=\"__9 _374\"> </span>0<span class=\"__9 _375\"> </span>56<span class=\"__9 _358\"> </span>27<span class=\"__9 _375\"> </span>83<span class=\"__9 _356\"> </span>Summa r\u00f6relsein<span class=\"__9 _348\"/>t\u00e4kter<span class=\"__9 _356\"> </span>3 921<span class=\"__9 _376\"> </span>3 006<span class=\"__9 _377\"> </span>2 205<span class=\"__9 _365\"> </span>1 278<span class=\"__9 _359\"> </span><span class=\"ls2_8 ws5_8\">-26<span class=\"__9 _2a_3\"> </span></span>10 384<span class=\"__9 _2b_3\"> </span>-588<span class=\"__9 _362\"> </span>9 796<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _348\"/>v int<span class=\"__9 _348\"/><span class=\"__9 _356\">erna transaktioner1<span class=\"__9 _356\"> </span></span>-460<span class=\"__9 _2b_3\"> </span>-<span class=\"__9 _348\"/>134<span class=\"__9 _2c_3\"> </span>-35<span class=\"__9 _2d_3\"> </span><span class=\"ls3_8 ws6_8\">57<span class=\"__9 _364\"> </span>572<span class=\"__9 _2e_3\"> </span></span>0<span class=\"__9 _2f_3\"> </span>\u2013<span class=\"__9 _2f_3\"> </span>\u2013<span class=\"__9 _356\"> </span>Personalkostnader<span class=\"__9 _356\"> </span>-594<span class=\"__9 _360\"> </span>-400<span class=\"__9 _365\"> </span>-325<span class=\"__9 _361\"> </span><span class=\"ls4_8 ws7_8\">-439<span class=\"__9 _361\"> </span></span>-112<span class=\"__9 _378\"> </span>-1 870<span class=\"__9 _379\"> </span>-965<span class=\"__9 _376\"> </span>-2 835<span class=\"__9 _356\"> </span>\u00d6vriga kostnader<span class=\"__9 _356\"> </span>-1 14<span class=\"__9 _a_8\"/>2<span class=\"__9 _2b_3\"> </span><span class=\"ls5_8 ws8_8\">-7<span class=\"__9 _a_8\"/>27<span class=\"__9 _380\"> </span><span class=\"ls0_9 ws0_9\">-372<span class=\"__9 _364\"> </span>-<span class=\"__9 _348\"/>104<span class=\"__9 _364\"> </span><span class=\"ls3_8 ws6_8\">142<span class=\"__9 _378\"> </span></span>-2 203<span class=\"__9 _1a_5\"> </span>1 068<span class=\"__9 _362\"> </span>-1 135<span class=\"__9 _356\"> </span></span></span>Lagstadgade a<span class=\"__9 _348\"/>vgifter<span class=\"__9 _356\"> </span>-101<span class=\"__9 _365\"> </span>-92<span class=\"__9 _381\"> </span><span class=\"ls2_8 ws5_8\">-124<span class=\"__9 _382\"> </span></span>-5<span class=\"__9 _374\"> </span>0<span class=\"__9 _363\"> </span>-322<span class=\"__9 _2e_3\"> </span>0<span class=\"__9 _f_8\"> </span>-322<span class=\"__9 _356\"> </span>A<span class=\"__9 _348\"/>v- och nedskrivningar a<span class=\"__9 _348\"/>v materiella och immat<span class=\"__9 _348\"/>eriella tillg\u00e5ngar<span class=\"__9 _356\"> </span>-81<span class=\"__9 _380\"> </span>-32<span class=\"__9 _375\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _a_8\"/>1<span class=\"__9 _1f_5\"> </span>-21<span class=\"__9 _1f_5\"> </span></span>-5<span class=\"__9 _f_8\"> </span>-160<span class=\"__9 _363\"> </span><span class=\"ls3_8 ws6_8\">-<span class=\"__9 _a_8\"/>451<span class=\"__9 _383\"> </span></span>-611<span class=\"__9 _356\"> </span>Summa r\u00f6relsekos<span class=\"__9 _348\"/>tnader<span class=\"__9 _356\"> </span>-1 918<span class=\"__9 _384\"> </span><span class=\"ls3_8 ws6_8\">-1 251<span class=\"__9 _383\"> </span></span>-842<span class=\"__9 _361\"> </span>-569<span class=\"__9 _1d_5\"> </span><span class=\"ls6_8 ws9_8\">25<span class=\"__9 _384\"> </span></span>-4 555<span class=\"__9 _2b_3\"> </span>-348<span class=\"__9 _385\"> </span>-4 903<span class=\"__9 _356\"> </span>Resulta<span class=\"__9 _348\"/>t f\u00f6r<span class=\"__9 _348\"/>e kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _356\"> </span>2 003<span class=\"__9 _362\"> </span>1 755<span class=\"__9 _2b_3\"> </span>1 363<span class=\"__9 _366\"> </span>709<span class=\"__9 _2f_3\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _386\"> </span></span>5 829<span class=\"__9 _2b_3\"> </span>-936<span class=\"__9 _362\"> </span>4 893<span class=\"__9 _356\"> </span>Nettoresulta<span class=\"__9 _348\"/>t av utl\u00e5ning i portf<span class=\"__9 _348\"/>\u00f6ljer som h\u00e5lls till<span class=\"__9 _356\"> </span>f\u00f6rfall och obliga<span class=\"__9 _348\"/>toriskt v<span class=\"__9 _348\"/>\u00e4rderas till v<span class=\"__9 _348\"/>erkligt v\u00e4rde<span class=\"__9 _356\"> </span>-3<span class=\"__9 _2c_3\"> </span>-9<span class=\"__9 _368\"> </span>0<span class=\"__9 _369\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _374\"> </span></span>0<span class=\"__9 _364\"> </span><span class=\"ls3_8 ws6_8\">-13<span class=\"__9 _2e_3\"> </span></span>0<span class=\"__9 _364\"> </span><span class=\"ls3_8 ws6_8\">-13<span class=\"__9 _356\"> </span></span>Kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _348\"/>, nett<span class=\"__9 _348\"/>o<span class=\"__9 _356\"> </span>-53<span class=\"__9 _365\"> </span><span class=\"ls4_8 ws7_8\">-42<span class=\"__9 _372\"> </span></span>55<span class=\"__9 _382\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _370\"> </span><span class=\"ls4_8 ws7_8\">-4<span class=\"__9 _367\"> </span></span></span>-45<span class=\"__9 _367\"> </span>-67<span class=\"__9 _365\"> </span>-112<span class=\"__9 _356\"> </span>R\u00f6relser<span class=\"__9 _348\"/>esultat<span class=\"__9 _356\"> </span>1 947<span class=\"__9 _e_8\"> </span>1 704<span class=\"__9 _379\"> </span>1 418<span class=\"__9 _387\"> </span>707<span class=\"__9 _370\"> </span>-5<span class=\"__9 _3a_4\"> </span>5 771<span class=\"__9 _376\"> </span>-1 003<span class=\"__9 _362\"> </span>4 768<span class=\"__9 _356\"> </span>Skatt<span class=\"__9 _356\"> </span>-448<span class=\"__9 _3a_4\"> </span><span class=\"ls0_9 ws0_9\">-392<span class=\"__9 _383\"> </span>-326<span class=\"__9 _364\"> </span>-163<span class=\"__9 _369\"> </span>1<span class=\"__9 _e_8\"> </span>-1 328<span class=\"__9 _361\"> </span>155<span class=\"__9 _362\"> </span><span class=\"ls3_8 ws6_8\">-1 17<span class=\"__9 _a_8\"/>3<span class=\"__9 _356\"> </span></span></span>\u00c5rets result<span class=\"__9 _348\"/>at<span class=\"__9 _356\"> </span>1 499<span class=\"__9 _386\"> </span>1 312<span class=\"__9 _377\"> </span>1 092<span class=\"__9 _366\"> </span>544<span class=\"__9 _372\"> </span><span class=\"ls4_8 ws7_8\">-4<span class=\"__9 _3b_3\"> </span></span>4 443<span class=\"__9 _377\"> </span>-84<span class=\"__9 _a_8\"/>8<span class=\"__9 _386\"> </span>3 595<span class=\"__9 _356\"> </span><span class=\"__9 _356\">Balansr\u00e4kning 31 dec 20222, md euro<span class=\"__9 _356\"> </span></span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__9 _3c_3\"> </span><span class=\"ls3_8 ws6_8\">175<span class=\"__9 _f_8\"> </span></span>100<span class=\"__9 _370\"> </span>54<span class=\"__9 _374\"> </span><span class=\"ff3_8\">12<span class=\"__9 _2e_3\"> </span></span>\u2013<span class=\"__9 _361\"> </span>341<span class=\"__9 _2d_3\"> </span>5<span class=\"__9 _3d_3\"> </span>346<span class=\"__9 _356\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__9 _3e_3\"> </span>88<span class=\"__9 _367\"> </span><span class=\"ls3_8 ws6_8\">57<span class=\"__9 _2f_3\"> </span></span>53<span class=\"__9 _374\"> </span><span class=\"ff3_8\">13<span class=\"__9 _2e_3\"> </span></span>\u2013<span class=\"__9 _3f_3\"> </span>211<span class=\"__9 _1c_5\"> </span>6<span class=\"__9 _3f_3\"> </span><span class=\"ls3_8 ws6_8\">217<span class=\"__9 _356\"> </span></span>1)   <span class=\"__9 _c_8\"/>IFRS 8 kr\u00e4ver in<span class=\"__9 _348\"/>formation om in<span class=\"__9 _348\"/>t\u00e4kter f<span class=\"__9 _348\"/>r\u00e5n transak<span class=\"__9 _348\"/>tioner med andra r\u00f6relsesegmen<span class=\"__9 _348\"/>t. Nordea har de\ufb01nierat segmen<span class=\"__9 _348\"/>tinterna in<span class=\"__9 _348\"/>t\u00e4kter som in<span class=\"__9 _348\"/>terna r\u00e4n<span class=\"__9 _348\"/>teint\u00e4k<span class=\"__9 _348\"/>ter och r\u00e4n<span class=\"__9 _348\"/>tekostnader<span class=\"__9 _356\"> </span>relaterade till r<span class=\"__9 _348\"/>\u00f6relsesegment<span class=\"__9 _348\"/>ens \ufb01nansiering genom internbanken inom Gr<span class=\"__9 _348\"/>oup Finance.<span class=\"__9 _356\"> </span>2)   <span class=\"__9 _c_8\"/>H\u00f6gsta verkst\u00e4llande beslutsf<span class=\"__9 _348\"/>attaren gransk<span class=\"__9 _348\"/>ar \u201dUtl\u00e5ning till allm\u00e4nheten\u201d och \u201dIn- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten\u201d som m\u00e4<span class=\"__9 _348\"/>tpunkter f<span class=\"__9 _348\"/>\u00f6r de rapporterbara r\u00f6r<span class=\"__9 _348\"/>elsesegmentens t<span class=\"__9 _348\"/>otala<span class=\"__9 _356\"> </span>tillg\u00e5ngar och skulder och som konsekvens d\u00e4r<span class=\"__9 _348\"/>av \u00e4r dessa pos<span class=\"__9 _348\"/>ter redovisade separa<span class=\"__9 _348\"/>t<span class=\"__9 _356\"> </span>.<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\"/><span class=\"ws4_8\">Segmentets r<span class=\"__9 _348\"/>esulta<span class=\"__9 _348\"/>t utg\u00f6r 10 procen<span class=\"__9 _348\"/>t eller mer a<span class=\"__9 _348\"/>v det  <span class=\"__9 _c_8\"/>s<span class=\"__9 _348\"/>t\u00f6rre<span class=\"__9 _356\"> </span></span>(i absoluta tal) a<span class=\"__9 _348\"/>v:<span class=\"__9 _356\"> </span>-<span class=\"__9 _389\"> </span>den samlade vinsten f<span class=\"__9 _348\"/>\u00f6r alla l\u00f6nsamma segmen<span class=\"__9 _348\"/>t, eller<span class=\"__9 _356\"> </span>-<span class=\"__9 _389\"> </span>den samlade f\u00f6rlus<span class=\"__9 _348\"/>ten f<span class=\"__9 _348\"/>\u00f6r alla segment s<span class=\"__9 _348\"/>om redovisa<span class=\"__9 _348\"/>t en<span class=\"__9 _356\"> </span>f\u00f6rlus<span class=\"__9 _348\"/>t<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">Segmentets tillg\u00e5ngar ut<span class=\"__9 _348\"/>g\u00f6r 10 procen<span class=\"__9 _348\"/>t eller mer a<span class=\"__9 _348\"/>v de sam<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span></span>lade tillg\u00e5ngarna f\u00f6r alla r<span class=\"__9 _348\"/>\u00f6relsesegmen<span class=\"__9 _348\"/>t.<span class=\"__9 _356\"> </span>T<span class=\"__9 _348\"/>v<span class=\"__9 _348\"/>\u00e5 eller fler r\u00f6r<span class=\"__9 _348\"/>elsesegment sl\u00e5s samman till ett r<span class=\"__9 _348\"/>\u00f6relseseg-<span class=\"__9 _356\"> </span>ment om segmen<span class=\"__9 _348\"/>ten har likartade ekonomiska egenskaper<span class=\"__9 _356\"> </span>och \u00e4v<span class=\"__9 _348\"/>en liknar varandr<span class=\"__9 _348\"/>a med a<span class=\"__9 _348\"/>vseende p\u00e5 produk<span class=\"__9 _348\"/>ter och<span class=\"__9 _356\"> </span>tj\u00e4nster<span class=\"__9 _357\"/>, produktionsprocesser<span class=\"__9 _357\"/>, kunder<span class=\"__9 _348\"/>, distributionss\u00e4<span class=\"__9 _348\"/>tt och<span class=\"__9 _356\"> </span>regelv<span class=\"__9 _348\"/>erk.<span class=\"__9 _356\"> </span>Inf<span class=\"__9 _348\"/><span class=\"__9 _356\">ormation om annan aff</span><span class=\"__9 _348\"/>\u00e4rsverksamhet och r\u00f6r<span class=\"__9 _348\"/>elseseg-<span class=\"__9 _356\"> </span>ment som in<span class=\"__9 _348\"/>te har redo<span class=\"__9 _348\"/>visats separ<span class=\"__9 _348\"/>at sammanf<span class=\"__9 _348\"/>\u00f6rs i en egen<span class=\"__9 _356\"> </span>kategori \u2013 \u201d\u00d6vriga r<span class=\"__9 _348\"/>\u00f6relsesegmen<span class=\"__9 _348\"/>t\u201d \u2013 f\u00f6r vilken upplysningar<span class=\"__9 _356\"> </span>l\u00e4mnas.<span class=\"__9 _356\"> </span><div class=\"t_9 m0_9 h1_9 ff1_9 fs0_9 fc0_9 sc0_9 ls0_9 ws0_9\" style=\"left:656.1315px; bottom:2.1012287px;\">107<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h2_9 ff2_9 fs1_8 fc0_9 sc0_9 ls0_9 ws1_9\" style=\"left:497.5244px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h3_8 ff2_9 fs1_8 fc0_9 sc0_9 ls1_9 ws2_8\" style=\"left:4.2144775px; bottom:1029.1447px;\">Inledning<span class=\"__9 _347\"> </span><span class=\"__9 _356\">Aff</span><span class=\"__9 _348\"/>\u00e4rsomr\u00e5den<span class=\"__9 _349\"/><span class=\"ws0_9\">V<span class=\"__9 _348\"/>\u00e5ra in<span class=\"__9 _348\"/>tressent<span class=\"__9 _348\"/>er<span class=\"__9 _350\"> </span><span class=\"ff1_9\">Finansiella rapporter<span class=\"__9 _351\"/><span class=\"ff2_9 ws2_8\">F\u00f6rvaltningsber<span class=\"__9 _348\"/>\u00e4ttelse<span class=\"__9 _352\"> </span>H\u00e5llbarhetsnoter<span class=\"__9 _353\"> </span>\u00d6vrigt<span class=\"__9 _354\"/><span class=\"ws0_9\">Strategisk r<span class=\"__9 _348\"/>apport<span class=\"__9 _356\"> </span></span></span></span></span></div><div class=\"t_9 m0_9 h8_8 ff1_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:439.43097px;\">A<span class=\"__9 _348\"/>vst\u00e4mning mellan summa r<span class=\"__9 _348\"/>\u00f6relsesegmen<span class=\"__9 _348\"/>t och \ufb01nansiella rapporter<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:177.09433px; bottom:423.6339px;\">Summa r\u00f6relseint\u00e4k<span class=\"__9 _348\"/>ter<span class=\"__9 _348\"/>,  </div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:204.84674px; bottom:413.8839px;\">mn euro<span class=\"__9 _390\"> </span>R\u00f6relseresul<span class=\"__9 _348\"/>tat, mn euro<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:405.26785px; bottom:423.6339px;\">Utl\u00e5ning till allm\u00e4nheten, </div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:436.77985px; bottom:413.8839px;\">md euro<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:527.205px; bottom:423.6339px;\">In- och uppl\u00e5ning fr\u00e5n </div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:527.205px; bottom:413.8839px;\">allm\u00e4nheten, md euro<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:197.9046px; bottom:399.1887px;\">2022<span class=\"__9 _366\"> </span>2021<span class=\"__9 _366\"> </span>2022<span class=\"__9 _375\"> </span>2021<span class=\"__9 _391\"> </span>31 dec 2022<span class=\"__9 _392\"> </span>31 dec 2021<span class=\"__9 _391\"> </span>31 dec 2022<span class=\"__9 _392\"> </span>31 dec 2021<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:383.52072px;\">Summa r\u00f6relsesegmen<span class=\"__9 _348\"/>t<span class=\"__9 _393\"> </span>10 384<span class=\"__9 _3d_3\"> </span>9 677<span class=\"__9 _361\"> </span>5 771<span class=\"__9 _3d_3\"> </span>5 354<span class=\"__9 _394\"> </span>341<span class=\"__9 _394\"> </span>322<span class=\"__9 _1f_5\"> </span>211<span class=\"__9 _394\"> </span>201<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:363.4006px;\">Koncern<span class=\"__9 _348\"/><span class=\"__9 _356\">funktioner1</span><span class=\"__9 _395\"> </span><span class=\"ls3_8 ws6_8\">-16<span class=\"__9 _396\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _1f_5\"> </span><span class=\"ls5_8 ws8_8\">-70<span class=\"__9 _394\"> </span></span></span></span>-60<span class=\"__9 _373\"> </span>\u2013<span class=\"__9 _397\"> </span>\u2013<span class=\"__9 _397\"> </span>\u2013<span class=\"__9 _373\"> </span>\u2013<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:347.7304px;\">Oallokerade post<span class=\"__9 _348\"/><span class=\"__9 _356\">er3</span><span class=\"__9 _4a_1\"> </span><span class=\"ls4_8 ws7_8\">-483<span class=\"__9 _394\"> </span></span>-99<span class=\"__9 _375\"> </span>-911<span class=\"__9 _364\"> </span>-382<span class=\"__9 _369\"> </span>15<span class=\"__9 _369\"> </span>21<span class=\"__9 _382\"> </span>12<span class=\"__9 _373\"> </span>4<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:332.0602px;\">Elimineringar<span class=\"__9 _4b_1\"> </span>-30<span class=\"__9 _396\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _4c_1\"> </span></span>0<span class=\"__9 _397\"> </span>\u2013<span class=\"__9 _373\"> </span>\u2013<span class=\"__9 _397\"> </span>\u2013<span class=\"__9 _397\"> </span>\u2013<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:316.39px;\"><span class=\"__9 _356\">Skillnader i redovisningsprinciper2</span><span class=\"__9 _4d_1\"> </span>-59<span class=\"__9 _2d_3\"> </span>46<span class=\"__9 _1f_5\"> </span><span class=\"ls2_8 ws5_8\">-22<span class=\"__9 _382\"> </span>24<span class=\"__9 _1f_5\"> </span><span class=\"ls3_8 ws6_8\">-10<span class=\"__9 _4e_1\"> </span></span></span>2<span class=\"__9 _369\"> </span>-6<span class=\"__9 _4f_1\"> </span>1<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 hb_8 ff3_8 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:300.71982px;\">Summa<span class=\"__9 _398\"> </span>9 796<span class=\"__9 _383\"> </span>9 620<span class=\"__9 _383\"> </span>4 768<span class=\"__9 _399\"> </span>4 936<span class=\"__9 _358\"> </span>346<span class=\"__9 _371\"> </span>345<span class=\"__9 _372\"> </span><span class=\"ls3_8 ws6_8\">217<span class=\"__9 _371\"> </span></span>206<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 hc_8 ff2_9 fs7_8 fc2_7 sc0_9 ls7_8 ws0_9\" style=\"left:4.2144775px; bottom:281.8px;\">1)   <span class=\"__9 _c_8\"/><span class=\"__9 _356\">Best\u00e5r av Group Business Support, Group Internal Audit, Chief of Staff o</span><span class=\"__9 _348\"/><span class=\"__9 _356\">ffice, Group People, Gr</span><span class=\"__9 _348\"/>oup Legal, Group Risk, Group Compliance och Group Brand, Communica<span class=\"__9 _348\"/>tion &amp; Marketing.<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 hc_8 ff2_9 fs7_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:270.19595px;\">2)   <span class=\"__9 _c_8\"/><span class=\"__9 _356\">Effekt f</span><span class=\"__9 _348\"/>r\u00e5n skillnad i anv\u00e4ndning a<span class=\"__9 _348\"/>v budgetvalutak<span class=\"__9 _348\"/>urser i segmentrapporteringen. </div><div class=\"t_9 m0_9 hc_8 ff2_9 fs7_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:258.5919px;\">3)  R\u00f6relsesegment<span class=\"__9 _348\"/>en present<span class=\"__9 _348\"/>eras utan j\u00e4mf<span class=\"__9 _348\"/>\u00f6relsest<span class=\"__9 _348\"/>\u00f6rande poster<span class=\"__9 _348\"/>. J\u00e4m<span class=\"__9 _348\"/>f\u00f6relse<span class=\"__9 _348\"/>st\u00f6rande post<span class=\"__9 _348\"/>er p\u00e5 537 mn euro ing\u00e5r i r\u00f6relsein<span class=\"__9 _348\"/>t\u00e4kter och j\u00e4m<span class=\"__9 _348\"/>f\u00f6relse<span class=\"__9 _348\"/>st\u00f6rande post<span class=\"__9 _348\"/>er p\u00e5 613 mn euro </div><div class=\"t_9 m0_9 hc_8 ff2_9 fs7_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:15.125122px; bottom:249.755px;\">ing\u00e5r i r\u00f6relseresult<span class=\"__9 _348\"/>atet p\u00e5 raden \u201d<span class=\"__9 _348\"/>oallok<span class=\"__9 _348\"/>erade poster\u201d<span class=\"__9 _348\"/>.<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h8_8 ff1_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:940.5963px;\">Resul<span class=\"__9 _348\"/>tatr<span class=\"__9 _348\"/>\u00e4kning 2021<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:905.2994px;\">Mn euro<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:221.12311px; bottom:915.0494px;\">Personal<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:223.34613px; bottom:905.2994px;\">banking<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:270.7311px; bottom:915.0494px;\">Business<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:272.4081px; bottom:905.2994px;\">Banking<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:335.56473px; bottom:924.7994px;\">Large <span class=\"__9 _c_8\"/> </div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:308.78732px; bottom:915.0494px;\">Corporates &amp;<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:314.80112px; bottom:905.2994px;\">Institutions<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:386.00732px; bottom:924.7994px;\">Asset &amp;<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:387.03693px; bottom:915.0494px;\">Wealth <span class=\"__9 _c_8\"/> </div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:364.3077px; bottom:905.2994px;\">Management<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:442.10492px; bottom:924.7994px;\">\u00d6vriga <span class=\"__9 _c_8\"/> </div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:438.16592px; bottom:915.0494px;\">r\u00f6relse-<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:434.8821px; bottom:905.2994px;\">segment<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:490.51172px; bottom:924.7994px;\">Summa<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:490.51172px; bottom:915.0494px;\">r\u00f6relse-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:486.4713px; bottom:905.2994px;\">segment<span class=\"__9 _d_8\"> </span>A<span class=\"__9 _348\"/>vst\u00e4mning<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:593.6901px; bottom:915.0494px;\">Summa<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:582.5205px; bottom:905.2994px;\">koncernen<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:889.6302px;\">R\u00e4ntenetto<span class=\"__9 _400\"> </span>2 244<span class=\"__9 _e_8\"> </span>1 600<span class=\"__9 _367\"> </span>942<span class=\"__9 _2d_3\"> </span><span class=\"ls4_8 ws7_8\">77<span class=\"__9 _2c_3\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _a_8\"/>0<span class=\"__9 _386\"> </span></span></span>4 853<span class=\"__9 _387\"> </span><span class=\"ls8_8 wsa_8\">72<span class=\"__9 _362\"> </span></span>4 925<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:873.96px;\">A<span class=\"__9 _348\"/>vgifts- och pro<span class=\"__9 _348\"/>visionsnetto<span class=\"__9 _401\"> </span>1 217<span class=\"__9 _363\"> </span>639<span class=\"__9 _3f_3\"> </span>539<span class=\"__9 _3f_3\"> </span>1 111<span class=\"__9 _2c_3\"> </span><span class=\"ls3_8 ws6_8\">-10<span class=\"__9 _362\"> </span></span>3 496<span class=\"__9 _372\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _386\"> </span></span>3 495<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:858.2898px;\">Nettoresulta<span class=\"__9 _348\"/>t av pos<span class=\"__9 _348\"/>ter till verkligt v\u00e4r<span class=\"__9 _348\"/>de<span class=\"__9 _402\"> </span><span class=\"ls3_8 ws6_8\">148<span class=\"__9 _363\"> </span></span>306<span class=\"__9 _364\"> </span><span class=\"ls2_8 ws5_8\">524<span class=\"__9 _374\"> </span></span>61<span class=\"__9 _3f_3\"> </span>232<span class=\"__9 _2b_3\"> </span>1 271<span class=\"__9 _399\"> </span><span class=\"ls3_8 ws6_8\">-152<span class=\"__9 _2b_3\"> </span></span>1 119<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls3_8 ws0_9\" style=\"left:4.2144775px; bottom:842.6196px;\">Andelar i intresse<span class=\"__9 _348\"/>f\u00f6retags och join<span class=\"__9 _348\"/>t ven<span class=\"__9 _348\"/>tures resul<span class=\"__9 _348\"/>tat<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls3_8 ws0_9\" style=\"left:4.2144775px; bottom:831.5722px;\">enligt kapitalandelsmetoden<span class=\"__9 _403\"> </span><span class=\"ls0_9\">0<span class=\"__9 _1f_5\"> </span>1<span class=\"__9 _368\"> </span>0<span class=\"__9 _373\"> </span>1<span class=\"__9 _1f_5\"> </span>-5<span class=\"__9 _1d_5\"> </span>-3<span class=\"__9 _1d_5\"> </span>-3<span class=\"__9 _371\"> </span>-6<span class=\"__9 _356\"> </span></span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:815.90204px;\">\u00d6vriga r\u00f6relsein<span class=\"__9 _348\"/>t\u00e4kter<span class=\"__9 _404\"> </span><span class=\"ls3_8 ws6_8\">14<span class=\"__9 _364\"> </span></span>34<span class=\"__9 _368\"> </span>4<span class=\"__9 _397\"> </span>2<span class=\"__9 _374\"> </span>6<span class=\"__9 _366\"> </span>60<span class=\"__9 _358\"> </span>27<span class=\"__9 _375\"> </span>87<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 hb_8 ff3_8 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:799.8678px;\">Summa r\u00f6relsein<span class=\"__9 _348\"/>t\u00e4kter<span class=\"__9 _405\"> </span>3 623<span class=\"__9 _378\"> </span>2 580<span class=\"__9 _1e_5\"> </span>2 009<span class=\"__9 _365\"> </span>1 2<span class=\"__9 _a_8\"/>52<span class=\"__9 _364\"> </span>213<span class=\"__9 _386\"> </span>9 67<span class=\"__9 _a_8\"/>7<span class=\"__9 _3f_3\"> </span><span class=\"ls3_8 ws6_8\">-57<span class=\"__9 _3b_3\"> </span></span>9 620<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:784.19763px;\">- vara<span class=\"__9 _348\"/>v int<span class=\"__9 _348\"/><span class=\"__9 _356\">erna transaktioner1</span><span class=\"__9 _406\"> </span><span class=\"ls2_8 ws5_8\">-25<span class=\"__9 _a_8\"/>2<span class=\"__9 _381\"> </span><span class=\"ls5_8 ws8_8\">-75<span class=\"__9 _381\"> </span></span></span>-135<span class=\"__9 _394\"> </span>-32<span class=\"__9 _361\"> </span>494<span class=\"__9 _2f_3\"> </span>0<span class=\"__9 _2f_3\"> </span>\u2013<span class=\"__9 _2f_3\"> </span>\u2013<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:768.1634px;\">Personalkostnader<span class=\"__9 _407\"> </span><span class=\"ls3_8 ws6_8\">-577<span class=\"__9 _5a_1\"> </span></span>-411<span class=\"__9 _3d_3\"> </span>-318<span class=\"__9 _3f_3\"> </span><span class=\"ls3_8 ws6_8\">-4<span class=\"__9 _a_8\"/>57<span class=\"__9 _359\"> </span></span>-92<span class=\"__9 _e_8\"> </span>-1 855<span class=\"__9 _2b_3\"> </span>-904<span class=\"__9 _378\"> </span>-2 759<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:752.4932px;\">\u00d6vriga kostnader<span class=\"__9 _398\"> </span>-<span class=\"__9 _348\"/>1 126<span class=\"__9 _377\"> </span>-691<span class=\"__9 _365\"> </span>-353<span class=\"__9 _1d_5\"> </span>-62<span class=\"__9 _3f_3\"> </span>184<span class=\"__9 _384\"> </span>-2 048<span class=\"__9 _386\"> </span>1 046<span class=\"__9 _5b_1\"> </span>-1 002<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:736.823px;\">Lagstadgade a<span class=\"__9 _348\"/>vgifter<span class=\"__9 _5c_1\"> </span>-62<span class=\"__9 _365\"> </span>-58<span class=\"__9 _3d_3\"> </span>-103<span class=\"__9 _382\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _369\"> </span></span>1<span class=\"__9 _363\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _a_8\"/>24<span class=\"__9 _2e_3\"> </span></span>0<span class=\"__9 _363\"> </span><span class=\"ls2_8 ws5_8\">-224<span class=\"__9 _356\"> </span></span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:720.7888px;\">A<span class=\"__9 _348\"/>v- och nedskrivningar a<span class=\"__9 _348\"/>v  </div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:709.7414px;\">materiella och immat<span class=\"__9 _348\"/>eriella tillg\u00e5ngar<span class=\"__9 _5d_1\"> </span>-80<span class=\"__9 _365\"> </span>-36<span class=\"__9 _2c_3\"> </span><span class=\"ls2_8 ws5_8\">-20<span class=\"__9 _372\"> </span><span class=\"ls3_8 ws6_8\">-18<span class=\"__9 _1f_5\"> </span></span></span>-5<span class=\"__9 _1b_5\"> </span>-159<span class=\"__9 _5a_1\"> </span>-505<span class=\"__9 _2b_3\"> </span>-664<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 hb_8 ff3_8 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:694.0712px;\">Summa r\u00f6relsekos<span class=\"__9 _348\"/>tnader<span class=\"__9 _5e_1\"> </span>-1 845<span class=\"__9 _2a_3\"> </span>-1 196<span class=\"__9 _383\"> </span><span class=\"ls9_8 wsb_8\">-7<span class=\"__9 _a_8\"/>94<span class=\"__9 _3f_3\"> </span></span>-539<span class=\"__9 _358\"> </span>88<span class=\"__9 _385\"> </span>-4 286<span class=\"__9 _5a_1\"> </span>-363<span class=\"__9 _2a_3\"> </span>-4 649<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 hb_8 ff3_8 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:678.401px;\">Resulta<span class=\"__9 _348\"/>t f\u00f6r<span class=\"__9 _348\"/>e kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _4a_1\"> </span>1 778<span class=\"__9 _e_8\"> </span>1 384<span class=\"__9 _f_8\"> </span>1 215<span class=\"__9 _1d_5\"> </span>713<span class=\"__9 _3f_3\"> </span>301<span class=\"__9 _360\"> </span>5 391<span class=\"__9 _2b_3\"> </span>-420<span class=\"__9 _360\"> </span>4 971<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:662.73083px;\">Nettoresulta<span class=\"__9 _348\"/>t av utl\u00e5ning i portf<span class=\"__9 _348\"/>\u00f6ljer som h\u00e5lls till<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:651.6834px;\">f\u00f6rfall och obliga<span class=\"__9 _348\"/>toriskt v<span class=\"__9 _348\"/>\u00e4rderas till v<span class=\"__9 _348\"/>erkligt v\u00e4rde<span class=\"__9 _383\"> </span>47<span class=\"__9 _2c_3\"> </span>31<span class=\"__9 _368\"> </span>4<span class=\"__9 _373\"> </span>1<span class=\"__9 _374\"> </span>0<span class=\"__9 _375\"> </span>83<span class=\"__9 _2e_3\"> </span>0<span class=\"__9 _366\"> </span>83<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:636.0132px;\">Kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _348\"/>, nett<span class=\"__9 _348\"/>o<span class=\"__9 _404\"> </span>-63<span class=\"__9 _3d_3\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _a_8\"/>6<span class=\"__9 _387\"> </span>-21<span class=\"__9 _5f_1\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _370\"> </span></span></span>-9<span class=\"__9 _1b_5\"> </span>-120<span class=\"__9 _1c_5\"> </span>2<span class=\"__9 _399\"> </span>-118<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 hb_8 ff3_8 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:620.343px;\">R\u00f6relser<span class=\"__9 _348\"/>esultat<span class=\"__9 _408\"> </span>1 762<span class=\"__9 _e_8\"> </span>1 389<span class=\"__9 _2b_3\"> </span>1 198<span class=\"__9 _1d_5\"> </span>713<span class=\"__9 _367\"> </span>292<span class=\"__9 _386\"> </span>5 354<span class=\"__9 _5a_1\"> </span>-418<span class=\"__9 _362\"> </span>4 936<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:604.30884px;\">Skatt<span class=\"__9 _409\"> </span><span class=\"ls4_8 ws7_8\">-423<span class=\"__9 _3a_4\"> </span></span>-333<span class=\"__9 _383\"> </span>-288<span class=\"__9 _366\"> </span><span class=\"ls3_8 ws6_8\">-171<span class=\"__9 _2c_3\"> </span><span class=\"ls5_8 ws8_8\">-7<span class=\"__9 _a_8\"/>0<span class=\"__9 _e_8\"> </span></span></span>-1 285<span class=\"__9 _381\"> </span>180<span class=\"__9 _410\"> </span>-1 105<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 hb_8 ff3_8 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:588.6386px;\">\u00c5rets result<span class=\"__9 _348\"/>at<span class=\"__9 _411\"> </span>1 339<span class=\"__9 _e_8\"> </span>1 056<span class=\"__9 _3f_3\"> </span>910<span class=\"__9 _375\"> </span>542<span class=\"__9 _364\"> </span>222<span class=\"__9 _410\"> </span>4 069<span class=\"__9 _5a_1\"> </span><span class=\"ls2_8 ws5_8\">-23<span class=\"__9 _a_8\"/>8<span class=\"__9 _360\"> </span></span>3 831<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 hb_8 ff3_8 fs0_9 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:563.34045px;\"><span class=\"__9 _356\">Balansr\u00e4kning 31 dec 20212, md euro<span class=\"__9 _356\"> </span></span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:546.93317px;\">Utl\u00e5ning till allm\u00e4nheten<span class=\"__9 _412\"> </span><span class=\"ls3_8 ws6_8\">170<span class=\"__9 _361\"> </span></span>96<span class=\"__9 _370\"> </span>45<span class=\"__9 _382\"> </span>11<span class=\"__9 _2e_3\"> </span>\u2013<span class=\"__9 _361\"> </span>322<span class=\"__9 _358\"> </span><span class=\"ls4_8 ws7_8\">23<span class=\"__9 _380\"> </span></span>345<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:531.263px;\">In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__9 _3e_3\"> </span>84<span class=\"__9 _367\"> </span>55<span class=\"__9 _370\"> </span>50<span class=\"__9 _374\"> </span>12<span class=\"__9 _1c_5\"> </span>\u2013<span class=\"__9 _361\"> </span>201<span class=\"__9 _2d_3\"> </span>5<span class=\"__9 _3d_3\"> </span>206<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 hc_8 ff2_9 fs7_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:512.34406px;\">1)   <span class=\"__9 _c_8\"/>IFRS 8 kr\u00e4ver in<span class=\"__9 _348\"/>formation om in<span class=\"__9 _348\"/>t\u00e4kter f<span class=\"__9 _348\"/>r\u00e5n transak<span class=\"__9 _348\"/>tioner med andra r\u00f6relsesegmen<span class=\"__9 _348\"/>t. Nordea har de\ufb01nierat segmen<span class=\"__9 _348\"/>tinterna in<span class=\"__9 _348\"/>t\u00e4kter som in<span class=\"__9 _348\"/>terna r\u00e4n<span class=\"__9 _348\"/>teint\u00e4k<span class=\"__9 _348\"/>ter och r\u00e4n<span class=\"__9 _348\"/>tekostnader<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 hc_8 ff2_9 fs7_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:15.125122px; bottom:503.5072px;\">relaterade till r<span class=\"__9 _348\"/>\u00f6relsesegment<span class=\"__9 _348\"/>ens \ufb01nansiering genom internbanken inom Gr<span class=\"__9 _348\"/>oup Finance.<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 hc_8 ff2_9 fs7_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:491.90314px;\">2)   <span class=\"__9 _c_8\"/>H\u00f6gsta verkst\u00e4llande beslutsf<span class=\"__9 _348\"/>attaren gransk<span class=\"__9 _348\"/>ar \u201dUtl\u00e5ning till allm\u00e4nheten\u201d och \u201dIn- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten\u201d som m\u00e4<span class=\"__9 _348\"/>tpunkter f<span class=\"__9 _348\"/>\u00f6r de rapporterbara r\u00f6r<span class=\"__9 _348\"/>elsesegmentens t<span class=\"__9 _348\"/>otala<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 hc_8 ff2_9 fs7_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:15.125122px; bottom:483.06625px;\">tillg\u00e5ngar och skulder och som konsekvens d\u00e4r<span class=\"__9 _348\"/>av \u00e4r dessa pos<span class=\"__9 _348\"/>ter redovisade separa<span class=\"__9 _348\"/>t.<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 hd_8 ff4_8 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:984.3292px;\">K2.<span class=\"__9 _348\"/>1  Segmentrapportering, forts.<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h6_8 ff1_9 fs4_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:221.52615px;\">V<span class=\"__9 _348\"/>\u00e4rdering a<span class=\"__9 _348\"/>v r\u00f6r<span class=\"__9 _348\"/>elsesegmen<span class=\"__9 _348\"/>tens resul<span class=\"__9 _348\"/>tat<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:207.99706px;\">Den huvudsakliga skillnaden mellan segmentr<span class=\"__9 _348\"/>apporteringen </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:194.47185px;\">i not K2.<span class=\"__9 _357\"/>1 \u201dSegmentrapportering\u201d och \u201d<span class=\"__9 _357\"/><span class=\"__9 _356\">Aff</span><span class=\"__9 _348\"/>\u00e4rsomr\u00e5den\u201d<span class=\"__9 _357\"/>, </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:180.94666px;\">som redovisas p\u00e5 anna<span class=\"__9 _348\"/>t h\u00e5ll i denna rapport, \u00e4r att </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:167.42145px;\">inf<span class=\"__9 _348\"/>ormationen i not<span class=\"__9 _348\"/>en redovisar r<span class=\"__9 _348\"/>apporteringen till den </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:153.89626px;\">h\u00f6gsta verks<span class=\"__9 _348\"/>t\u00e4llande beslutsf<span class=\"__9 _348\"/>attar<span class=\"__9 _348\"/>en och tas fram med </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:140.37105px;\">hj\u00e4lp av budgetv<span class=\"__9 _348\"/>alutakurser<span class=\"__9 _357\"/>, medan rapporteringen </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:126.845856px;\">under \u201d<span class=\"__9 _357\"/><span class=\"__9 _356\">Aff</span><span class=\"__9 _348\"/>\u00e4rsomr\u00e5den\u201d uppr\u00e4<span class=\"__9 _348\"/>ttas med hj\u00e4lp a<span class=\"__9 _348\"/>v aktuella </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:113.32065px;\">valutak<span class=\"__9 _348\"/>urser<span class=\"__9 _348\"/>. Nordea till\u00e4mpar f<span class=\"__9 _348\"/>ast<span class=\"__9 _348\"/>a budgetkurser f<span class=\"__9 _348\"/>\u00f6r att </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:99.79545px;\">undvika att val<span class=\"__9 _348\"/>utakursr\u00f6rels<span class=\"__9 _348\"/>er p\u00e5v<span class=\"__9 _348\"/>erkar rapporteringen till </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:86.27025px;\">den h\u00f6gsta verks<span class=\"__9 _348\"/>t\u00e4llande beslutsf<span class=\"__9 _348\"/>attar<span class=\"__9 _348\"/>en. Samma valuta<span class=\"__9 _348\"/>-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:72.74505px;\">kurser (t.ex. SEK, NOK, RUB j\u00e4mf\u00f6rt med EUR) anv\u00e4nds </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:59.21985px;\">f\u00f6r innev<span class=\"__9 _348\"/>arande \u00e5r och j\u00e4m<span class=\"__9 _348\"/>f\u00f6r<span class=\"__9 _348\"/>else\u00e5ret. Budgetkurserna </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:45.69465px;\">fas<span class=\"__9 _348\"/>tst\u00e4lls i december \u00e5r<span class=\"__9 _348\"/>et f\u00f6r<span class=\"__9 _348\"/>e och ber\u00e4knas som genom-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:32.16945px;\">snittet a<span class=\"__9 _348\"/>v avis<span class=\"__9 _348\"/>takursen f<span class=\"__9 _348\"/>\u00f6r de f<span class=\"__9 _348\"/>\u00f6rsta f<span class=\"__9 _348\"/>em bankdagarna i </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:18.644249px;\">december det \u00e5ret. J\u00e4mf<span class=\"__9 _348\"/><span class=\"__9 _356\">\u00f6relsesiffr</span><span class=\"__9 _348\"/>orna omr\u00e4knas v<span class=\"__9 _348\"/>arje<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:320.61172px; bottom:222.0637px;\">\u00e5r till budgetvalutak<span class=\"__9 _348\"/>urserna f\u00f6r den ak<span class=\"__9 _348\"/>tuella perioden, </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:320.61172px; bottom:208.5385px;\"><span class=\"__9 _356\">i \u00f6verenss</span><span class=\"__9 _348\"/>t\u00e4mmelse med den in<span class=\"__9 _348\"/>terna rapporteringen till den </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:320.61172px; bottom:195.0133px;\">h\u00f6gsta verks<span class=\"__9 _348\"/>t\u00e4llande beslutsf<span class=\"__9 _348\"/>attar<span class=\"__9 _348\"/>en. </div><div class=\"t_9 m0_9 h6_8 ff1_9 fs4_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:320.61172px; bottom:167.89725px;\">Identi\ufb01ering a<span class=\"__9 _348\"/>v r\u00f6r<span class=\"__9 _348\"/>elsesegment<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:320.61172px; bottom:154.36815px;\"><span class=\"__9 _356\">Nordeas huvudsakliga aff</span><span class=\"__9 _348\"/>\u00e4rsomr\u00e5den \u2013 P<span class=\"__9 _348\"/>ersonal Banking, </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:320.61172px; bottom:140.84294px;\">Business Banking, Large Corpor<span class=\"__9 _348\"/>ates &amp; Ins<span class=\"__9 _348\"/>titutions och Asset </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:320.61172px; bottom:127.31775px;\">&amp; W<span class=\"__9 _348\"/>ealth Managemen<span class=\"__9 _348\"/>t \u2013 har identi\ufb01er<span class=\"__9 _348\"/>ats som r\u00f6r<span class=\"__9 _348\"/>elseseg-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:320.61172px; bottom:113.79254px;\">ment och r<span class=\"__9 _348\"/>apporteras separa<span class=\"__9 _348\"/>t eftersom de \u00e4r r\u00f6relse<span class=\"__9 _348\"/>segment </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:320.61172px; bottom:100.26735px;\">som \u00f6verskrider de kvan<span class=\"__9 _348\"/>tita<span class=\"__9 _348\"/>tiva gr\u00e4nsv<span class=\"__9 _348\"/>\u00e4rdena i IFRS 8. Andr<span class=\"__9 _348\"/>a </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:320.61172px; bottom:86.74215px;\">r\u00f6relsesegmen<span class=\"__9 _348\"/>t som in<span class=\"__9 _348\"/>te n\u00e5r upp till gr\u00e4nsv<span class=\"__9 _348\"/>\u00e4rdena ing\u00e5r i </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:320.61172px; bottom:73.21695px;\">\u00d6vriga r\u00f6relsesegmen<span class=\"__9 _348\"/>t. Koncern<span class=\"__9 _348\"/>funk<span class=\"__9 _348\"/>tioner (och eliminering-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:320.61172px; bottom:59.69175px;\">ar), liksom resulta<span class=\"__9 _348\"/>t som in<span class=\"__9 _348\"/>te i sin helhet allokeras till n\u00e5go<span class=\"__9 _348\"/>t a<span class=\"__9 _348\"/>v </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:320.61172px; bottom:46.16655px;\">r\u00f6relsesegmen<span class=\"__9 _348\"/>ten, visas separ<span class=\"__9 _348\"/>at som a<span class=\"__9 _348\"/>vst<span class=\"__9 _348\"/>\u00e4mningsposter<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span></div><div class=\"t_9 m1_4 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 lsa_8 ws0_9\" style=\"left:333.50708px; bottom:32.606247px;\">Identi\ufb01eringen a<span class=\"__9 _348\"/>v r\u00f6r<span class=\"__9 _348\"/>elsesegment har in<span class=\"__9 _348\"/>te \u00e4ndr<span class=\"__9 _348\"/>ats under \u00e5ret.<span class=\"__9 _356\"> </span></div>108<span class=\"__9 _356\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__9 _356\"> </span>Inledning<span class=\"__9 _347\"> </span><span class=\"__9 _356\">Aff</span><span class=\"__9 _348\"/>\u00e4rsomr\u00e5den<span class=\"__9 _349\"/><span class=\"ws0_9\">V<span class=\"__9 _348\"/>\u00e5ra in<span class=\"__9 _348\"/>tressent<span class=\"__9 _348\"/>er<span class=\"__9 _350\"> </span><span class=\"ff1_9\">Finansiella rapporter<span class=\"__9 _351\"/><span class=\"ff2_9 ws2_8\">F\u00f6rvaltningsber<span class=\"__9 _348\"/>\u00e4ttelse<span class=\"__9 _352\"> </span>H\u00e5llbarhetsnoter<span class=\"__9 _353\"> </span>\u00d6vrigt<span class=\"__9 _354\"/><span class=\"ws0_9\">Strategisk r<span class=\"__9 _348\"/>apport<span class=\"__9 _356\"> </span></span></span></span></span>Rapporterbara segment<span class=\"__9 _356\"> </span>Personal Banking tar hand om Nordeas priv<span class=\"__9 _348\"/>atkunder<span class=\"__9 _357\"/>. Perso-<span class=\"__9 _356\"> </span>nal Banking erbjuder kunderna ett helt\u00e4ckande utbud a<span class=\"__9 _348\"/>v \ufb01nansiella tj\u00e4nster som tillgodoser der<span class=\"__9 _348\"/>as vardagliga \ufb01nan-<span class=\"__9 _356\"> </span>siella behov<span class=\"__9 _413\"/>. Kunderna betj\u00e4nas via n\u00e4tbanken, mobilbank<span class=\"__9 _413\"/>en, telef<span class=\"__9 _348\"/>on, onlinem\u00f6ten och p\u00e5 Nordea<span class=\"wsc_8\">s bankkon<span class=\"__9 _413\"/>tor<span class=\"__9 _348\"/><span class=\"__9 _356\">. Aff</span><span class=\"__9 _413\"/>\u00e4rsomr\u00e5<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span></span>det innefa<span class=\"__9 _413\"/>ttar r\u00e5dgivning, kundservice, olika kundkanaler samt produk<span class=\"__9 _413\"/>tenheter<span class=\"__9 _413\"/>, och har en gemensam strat<span class=\"__9 _348\"/>egi, verk<span class=\"__9 _348\"/>-<span class=\"__9 _356\"> </span>samhetsmodell och ramv<span class=\"__9 _348\"/>erk f\u00f6r s<span class=\"__9 _413\"/>tyrning f\u00f6r samtliga marknader<span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>Business Banking betj\u00e4nar<span class=\"__9 _413\"/>, ger r\u00e5d till och samarbetar med f\u00f6r<span class=\"__9 _348\"/>etagskunder f<span class=\"__9 _413\"/><span class=\"__9 _356\">\u00f6r att tillgodose alla deras aff</span><span class=\"__9 _348\"/>\u00e4rsbehov med ett helt\u00e4ckande utbud a<span class=\"__9 _413\"/>v tj\u00e4nster<span class=\"__9 _413\"/>, d\u00e4ribland betalningar<span class=\"__9 _413\"/>, likvi-<span class=\"__9 _356\"> </span>ditetshant<span class=\"__9 _348\"/>ering, kort, hantering av r<span class=\"__9 _413\"/>\u00f6relsekapital samt \ufb01nan-<span class=\"__9 _356\"> </span>sieringsl\u00f6sningar<span class=\"__9 _413\"/>. Business Banking erbjuder \u00e4ven tj\u00e4ns<span class=\"__9 _413\"/>ter s\u00e5som betalningar<span class=\"__9 _413\"/>, kort och \ufb01nansiering till privatkunder<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Large Corpor<span class=\"__9 _348\"/>ates &amp; Ins<span class=\"__9 _348\"/>titutions tillhandah\u00e5ller \ufb01nansiella l\u00f6sningar till stor<span class=\"__9 _348\"/>a nordiska och in<span class=\"__9 _348\"/>ternationella f<span class=\"__9 _413\"/>\u00f6retag och institutionella kunder<span class=\"__9 _357\"/>. Erbjudandet innefattar ett brett urval tj\u00e4nster inom \ufb01nansiering, likviditetshan<span class=\"__9 _413\"/>tering och betalning-<span class=\"__9 _356\"> </span>ar<span class=\"__9 _413\"/>, samt inve<span class=\"__9 _348\"/>stmen<span class=\"__9 _348\"/>t banking, kapitalmarknadsproduk<span class=\"__9 _413\"/>ter och v\u00e4rdepapperstj\u00e4ns<span class=\"__9 _413\"/>ter<span class=\"__9 _348\"/>. Asset &amp; W<span class=\"__9 _413\"/>ealth Management tillhandah\u00e5ller h\u00f6gklassiga l\u00f6sningar inom placeringar<span class=\"__9 _413\"/>, sparande och riskhant<span class=\"__9 _413\"/>ering till f\u00f6rm\u00f6gna priv<span class=\"__9 _413\"/>atpersoner och institutionella invest<span class=\"__9 _348\"/>erare sam<span class=\"__9 _413\"/>t l\u00f6sningar f\u00f6r spar<span class=\"__9 _413\"/>ande till samtliga kundsegment i Nor<span class=\"__9 _413\"/>dea.<span class=\"__9 _356\"> </span>R\u00f6relsein<span class=\"__9 _413\"/>t\u00e4kter f<span class=\"__9 _413\"/>\u00f6rdelade p\u00e5 produktgrupper<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _414\"> </span>2022<span class=\"__9 _369\"> </span>2021<span class=\"__9 _356\"> </span>Bankprodukt<span class=\"__9 _348\"/>er<span class=\"__9 _415\"> </span>6 835<span class=\"__9 _372\"> </span>6 189<span class=\"__9 _356\"> </span>Kapitalmarknadsproduk<span class=\"__9 _413\"/>ter<span class=\"__9 _416\"> </span>1 187<span class=\"__9 _394\"> </span>1 089<span class=\"__9 _356\"> </span>Sparprodukt<span class=\"__9 _348\"/>er och kapitalf\u00f6rvaltning<span class=\"__9 _4d_1\"> </span>1 733<span class=\"__9 _370\"> </span>1 845<span class=\"__9 _356\"> </span>Liv- och pensionsprodukt<span class=\"__9 _348\"/>er<span class=\"__9 _417\"> </span>432<span class=\"__9 _6a_1\"> </span>473<span class=\"__9 _356\"> </span><span class=\"__9 _356\">\u00d6vriga1</span><span class=\"__9 _6b_1\"> </span>-391<span class=\"__9 _6c_1\"> </span><span class=\"ls2_8 ws5_8\">24<span class=\"__9 _356\"> </span></span>Summa<span class=\"__9 _6d_1\"> </span>9 796<span class=\"__9 _1d_5\"> </span>9 620<span class=\"__9 _356\"> </span>1)   <span class=\"__9 _c_8\"/>F\u00f6rluster rela<span class=\"__9 _413\"/>terade till verksamheten i Ryssland klassi\ufb01cerade som j\u00e4mf<span class=\"__9 _413\"/>\u00f6relsest\u00f6-<span class=\"__9 _356\"> </span>rande poster (537 mn euro<span class=\"__9 _413\"/>), som ing\u00e5r i  nettoresultat av post<span class=\"__9 _413\"/>er till verkligt v\u00e4rde, \u00e4r inkluderade i \u00f6vriga.<span class=\"__9 _356\"> </span>Bankprodukt<span class=\"__9 _413\"/>erna utg\u00f6rs av tre olika produk<span class=\"__9 _413\"/>ttyper: kontopro-<span class=\"__9 _356\"> </span>dukter<span class=\"__9 _357\"/>, transaktionsproduk<span class=\"__9 _413\"/>ter och \ufb01nansieringsprodukter<span class=\"__9 _357\"/>. Kon<span class=\"__9 _413\"/>toprodukter innef<span class=\"__9 _413\"/>attar kontobaser<span class=\"__9 _413\"/>ade produkter s\u00e5som l\u00e5n, inl\u00e5ning, kort och n\u00e4tbankstj\u00e4nst<span class=\"__9 _413\"/>er. <span class=\"__9 _413\"/>T<span class=\"__9 _357\"/>ransaktionsproduk<span class=\"__9 _413\"/>-<span class=\"__9 _356\"> </span>ter utg\u00f6rs a<span class=\"__9 _348\"/>v kont<span class=\"__9 _348\"/>anthan<span class=\"__9 _413\"/>tering, handel och projekt\ufb01nansie-<span class=\"__9 _356\"> </span>ring. Finansieringsprodukt<span class=\"__9 _413\"/>er innefattar tillg\u00e5ngsbaserad \ufb01nansiering genom leasing, hyrk\u00f6p och f<span class=\"__9 _413\"/>ac<span class=\"__9 _a_8\"/>toring liksom f<span class=\"__9 _413\"/>\u00f6r-<span class=\"__9 _356\"> </span>s\u00e4ljning till \ufb01nansiella partners s\u00e5som f\u00f6rs\u00e4ljare, \u00e5terf<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>s\u00e4l-<span class=\"__9 _356\"> </span>jare och butiker<span class=\"__9 _357\"/>. Kapitalmarknadsproduk<span class=\"__9 _413\"/>ter utg\u00f6rs av \ufb01nansiella instru-<span class=\"__9 _356\"> </span>ment, eller arrangemang f<span class=\"__9 _413\"/>\u00f6r \ufb01nansiella instrument som \u00e4r till-<span class=\"__9 _356\"> </span>g\u00e4ngliga p\u00e5 \ufb01nansmarknaden, bland annat valut<span class=\"__9 _413\"/>or, r<span class=\"__9 _413\"/>\u00e5varor<span class=\"__9 _357\"/>, aktier och obliga<span class=\"__9 _348\"/>tioner<span class=\"__9 _413\"/>. Sparprodukt<span class=\"__9 _413\"/>er och kapitalf\u00f6rvaltning innef<span class=\"__9 _348\"/>attar v\u00e4r<span class=\"__9 _413\"/>depap<span class=\"__9 _a_8\"/>-<span class=\"__9 _356\"> </span>persfonder<span class=\"__9 _357\"/>, diskretion\u00e4r f\u00f6rvaltning, portf\u00f6ljr\u00e5dgivning, ak<span class=\"__9 _413\"/>tie-<span class=\"__9 _356\"> </span>handel samt liv- pensionsproduk<span class=\"__9 _413\"/>ter<span class=\"__9 _413\"/>. En v\u00e4rdepappersfond \u00e4r en produkt d\u00e4r f<span class=\"__9 _413\"/>ondbolaget invest<span class=\"__9 _348\"/>erar i ak<span class=\"__9 _348\"/>tier<span class=\"__9 _413\"/>, obligationer<span class=\"__9 _413\"/>, derivat eller andr<span class=\"__9 _413\"/>a standardiserade v\u00e4r<span class=\"__9 _413\"/>depapper/produk<span class=\"__9 _413\"/>ter p\u00e5 uppdrag a<span class=\"__9 _413\"/>v fondens andels\u00e4gare. Diskretion\u00e4r f<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>valtning \u00e4r en tj\u00e4nst som innef<span class=\"__9 _413\"/>attar f\u00f6rvaltning a<span class=\"__9 _413\"/>v en v\u00e4rdepappers-<span class=\"__9 _356\"> </span>portf\u00f6lj f<span class=\"__9 _348\"/>\u00f6r kundens r\u00e4kning. P<span class=\"__9 _413\"/>or<span class=\"__9 _a_8\"/>tf\u00f6ljr<span class=\"__9 _413\"/>\u00e5dgivning \u00e4r en tj\u00e4nst som erbjuds f\u00f6r a<span class=\"__9 _413\"/>tt hj\u00e4lpa kunderna i deras placeringsbeslut. Liv- och pensionsomr\u00e5det erbjuder livf\u00f6rs\u00e4kringar och pensionsprodukt<span class=\"__9 _413\"/>er/-tj\u00e4nster<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>K2.<span class=\"__9 _413\"/>1 <span class=\"__9 _6e_1\"> </span>Segmentrapportering, forts.<span class=\"__9 _356\"> </span>Geogra\ufb01sk in<span class=\"__9 _413\"/>formation<span class=\"__9 _356\"> </span>Summa r\u00f6relseint\u00e4k<span class=\"__9 _413\"/>ter,  mn euro<span class=\"__9 _356\"> </span>Tillg\u00e5ngar<span class=\"__9 _413\"/>,  md euro<span class=\"__9 _356\"> </span>2022<span class=\"__9 _2c_3\"> </span>2021<span class=\"__9 _6f_1\"> </span>31 dec 2022<span class=\"__9 _391\"> </span>31 dec 2021<span class=\"__9 _356\"> </span>Sverige<span class=\"__9 _418\"> </span>2 978<span class=\"__9 _381\"> </span>2 741<span class=\"__9 _1d_5\"> </span>162<span class=\"__9 _1d_5\"> </span>163<span class=\"__9 _356\"> </span>Finland <span class=\"__9 _419\"> </span>1 647<span class=\"__9 _367\"> </span>1 7<span class=\"__9 _413\"/>41<span class=\"__9 _394\"> </span><span class=\"ls3_8 ws6_8\">147<span class=\"__9 _1d_5\"> </span>140<span class=\"__9 _356\"> </span></span>Norge<span class=\"__9 _420\"> </span>1 968<span class=\"__9 _3d_3\"> </span>1 879<span class=\"__9 _371\"> </span>104<span class=\"__9 _394\"> </span>107<span class=\"__9 _356\"> </span>Danmark<span class=\"__9 _421\"> </span>2 653<span class=\"__9 _383\"> </span>2 789<span class=\"__9 _394\"> </span><span class=\"ls3_8 ws6_8\">170<span class=\"__9 _370\"> </span>151<span class=\"__9 _356\"> </span></span>\u00d6vriga <span class=\"__9 _422\"> </span>550<span class=\"__9 _358\"> </span>470<span class=\"__9 _382\"> </span>12<span class=\"__9 _397\"> </span>9<span class=\"__9 _356\"> </span>Summa<span class=\"__9 _423\"> </span>9 796<span class=\"__9 _399\"> </span>9 620<span class=\"__9 _387\"> </span>595<span class=\"__9 _371\"> </span><span class=\"ls3_8 ws6_8\">570<span class=\"__9 _356\"> </span></span>Nordeas huvudsakliga geogra\ufb01sk<span class=\"__9 _348\"/>a marknad utg\u00f6rs av de nordiska l\u00e4nderna. In<span class=\"__9 _348\"/>t\u00e4kt<span class=\"__9 _348\"/>er samt kortfris<span class=\"__9 _413\"/>tiga och l\u00e5ngfristiga tillg\u00e5ngar f\u00f6r<span class=\"__9 _348\"/>delas p\u00e5 geogra\ufb01ska omr<span class=\"__9 _413\"/>\u00e5den utifr\u00e5n var kund-<span class=\"__9 _356\"> </span>verksamheten bedrivs. Goodwill f<span class=\"__9 _413\"/>\u00f6rdelas p\u00e5 l\u00e4nder utifr\u00e5n var <span class=\"__9 _356\">aff\u00e4rsv</span><span class=\"__9 _348\"/>erksamheten i de f\u00f6rv\u00e4rvade enhet<span class=\"__9 _348\"/>erna bedrivs.<span class=\"__9 _356\"> </span>K2.2 R\u00e4ntenetto<span class=\"__9 _356\"> </span>Redovisningsprinciper R\u00e4nta utg\u00f6rs a<span class=\"__9 _413\"/>v ers\u00e4ttning f\u00f6r pengars tidsv\u00e4rde plus en mar-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">ginal. Effek</span><span class=\"__9 _413\"/>tivr\u00e4ntan motsv<span class=\"__9 _413\"/>arar den r\u00e4nta som an<span class=\"__9 _413\"/>v\u00e4nds f\u00f6r att diskont<span class=\"__9 _413\"/>era f\u00f6rv\u00e4ntade f<span class=\"__9 _413\"/>ramtida kassafl\u00f6den till redo<span class=\"__9 _413\"/>visat v\u00e4rde p\u00e5 den \ufb01nansiella tillg\u00e5ngen eller sk<span class=\"__9 _413\"/>ulden vid f\u00f6rsta redovisnings<span class=\"__9 _348\"/>tillf\u00e4llet.<span class=\"__9 _356\"> </span>R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter och r\u00e4n<span class=\"__9 _413\"/>tekostnader ber\u00e4knas och redo<span class=\"__9 _413\"/>visas <span class=\"__9 _356\">med effek</span><span class=\"__9 _413\"/>tivr\u00e4ntemetoden eller<span class=\"__9 _357\"/>, om s\u00e5 anses l\u00e4mpligt, med en metod som ger en rimlig uppskattning a<span class=\"__9 _413\"/>v vad en ber\u00e4k<span class=\"__9 _413\"/>-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">ning grundad p\u00e5 effek</span><span class=\"__9 _413\"/>tivr\u00e4ntemetoden sk<span class=\"__9 _413\"/><span class=\"__9 _356\">ulle ge. Effektivr</span><span class=\"__9 _413\"/>\u00e4n-<span class=\"__9 _356\"> </span>tan innefa<span class=\"__9 _413\"/>ttar avgifter som anse<span class=\"__9 _348\"/><span class=\"__9 _356\">s ing\u00e5 i effek</span><span class=\"__9 _413\"/>tivr\u00e4ntan f<span class=\"__9 _413\"/>\u00f6r ett \ufb01nansiellt instrumen<span class=\"__9 _413\"/>t (vanligen avgifter erh\u00e5llna s<span class=\"__9 _413\"/>om kom-<span class=\"__9 _356\"> </span>pensation f<span class=\"__9 _413\"/>\u00f6r risk). R\u00e4nteint\u00e4k<span class=\"__9 _413\"/>ter och r\u00e4ntekos<span class=\"__9 _413\"/>tnader fr\u00e5n \ufb01nansiella instrument klassi\ufb01c<span class=\"__9 _413\"/>eras, med nedanst\u00e5ende undantag, som \u201dR\u00e4n<span class=\"__9 _413\"/>tenetto\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter och r\u00e4n<span class=\"__9 _413\"/>tekostnader h\u00e4nf<span class=\"__9 _413\"/>\u00f6rliga till balanspos-<span class=\"__9 _356\"> </span>ter redovisade till v<span class=\"__9 _413\"/>erkligt v\u00e4rde inom Markets och Life &amp; P<span class=\"__9 _413\"/>en-<span class=\"__9 _356\"> </span>sion klassi\ufb01ceras i re<span class=\"__9 _348\"/>sultatr<span class=\"__9 _413\"/>\u00e4kningen som \u201dNettoresultat a<span class=\"__9 _413\"/>v poster till verkligt v<span class=\"__9 _413\"/>\u00e4rde\u201d<span class=\"__9 _413\"/>. \u00c4<span class=\"__9 _413\"/>ven r\u00e4n<span class=\"__9 _413\"/>tan h\u00e4nf\u00f6rlig till netto<span class=\"__9 _413\"/>\ufb01-<span class=\"__9 _356\"> </span>nansieringen av v<span class=\"__9 _413\"/>erksamheten inom Markets och Life &amp; Pen-<span class=\"__9 _356\"> </span>sion (samt en portf\u00f6lj med r<span class=\"__9 _413\"/>\u00e4nteb\u00e4rande v\u00e4r<span class=\"__9 _413\"/>depapper i Life &amp; Pension) v\u00e4r<span class=\"__9 _413\"/><span class=\"__9 _356\">derad till upplupet anskaffningsv\u00e4r</span><span class=\"__9 _413\"/>de redovisas under \u201dNettoresult<span class=\"__9 _348\"/>at a<span class=\"__9 _413\"/>v poster till verkligt v\u00e4rde\u201d f<span class=\"__9 _413\"/>\u00f6r att s\u00e4kerst\u00e4lla att in<span class=\"__9 _413\"/>t\u00e4kter och kos<span class=\"__9 _348\"/>tnader i dessa verksamheter redovisas p\u00e5 ett kons<span class=\"__9 _348\"/>ekvent s\u00e4<span class=\"__9 _413\"/>tt<span class=\"__9 _a_8\"/>. Se not K2.4 \u201dSumma netto-<span class=\"__9 _356\"> </span>resulta<span class=\"__9 _413\"/>t av poster till verkligt v<span class=\"__9 _413\"/>\u00e4rde\u201d<span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>R\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat klassi\ufb01cer<span class=\"__9 _413\"/>as som \u201dNettoresul-<span class=\"__9 _356\"> </span>tat a<span class=\"__9 _413\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>, med undantag f<span class=\"__9 _413\"/>\u00f6r derivat som innehas f\u00f6r s\u00e4kringssyfte. I r<span class=\"__9 _348\"/>edovisningss\u00e4kringar klas-<span class=\"__9 _356\"> </span>si\ufb01ceras r<span class=\"__9 _348\"/>\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat som \u201dR\u00e4n<span class=\"__9 _413\"/>teint\u00e4kt<span class=\"__9 _413\"/>er fr\u00e5n anv\u00e4ndande a<span class=\"__9 _413\"/><span class=\"__9 _356\">v effektivr</span><span class=\"__9 _413\"/>\u00e4ntemetoden\u201d om deriva<span class=\"__9 _413\"/>tet anv\u00e4nds f\u00f6r a<span class=\"__9 _413\"/>tt risks\u00e4kra en tillg\u00e5ng och som \u201dR\u00e4ntekos<span class=\"__9 _348\"/>tnader<span class=\"__9 _a_8\"/>\u201d om derivat<span class=\"__9 _348\"/>et anv\u00e4nds f<span class=\"__9 _413\"/>\u00f6r att risks\u00e4kra en skuld. I ekonomiska s\u00e4kringar klassi\ufb01ceras r<span class=\"__9 _348\"/>\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat som \u201d\u00d6vri-<span class=\"__9 _356\"> </span>ga r\u00e4n<span class=\"__9 _348\"/>teint\u00e4k<span class=\"__9 _413\"/>ter<span class=\"__9 _a_8\"/>\u201d om derivatet anv<span class=\"__9 _413\"/>\u00e4nds f\u00f6r att risks\u00e4kra en tillg\u00e5ng och som \u201dR\u00e4nt<span class=\"__9 _348\"/>ekostnader<span class=\"__9 _a_8\"/>\u201d om deriva<span class=\"__9 _348\"/>tet anv\u00e4nds f<span class=\"__9 _413\"/>\u00f6r att risks\u00e4kra en sk<span class=\"__9 _413\"/>uld<span class=\"__9 _356\"> </span>.<span class=\"__9 _356\"> </span>109<span class=\"__9 _356\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__9 _356\"> </span>Inledning<span class=\"__9 _347\"> </span><span class=\"__9 _356\">Aff</span><span class=\"__9 _348\"/>\u00e4rsomr\u00e5den<span class=\"__9 _349\"/><span class=\"ws0_9\">V<span class=\"__9 _413\"/>\u00e5ra intressent<span class=\"__9 _413\"/>er<span class=\"__9 _424\"> </span><span class=\"ff1_9\">Finansiella rapporter<span class=\"__9 _351\"/><span class=\"ff2_9 ws2_8\">F\u00f6rvaltningsber<span class=\"__9 _348\"/>\u00e4ttelse<span class=\"__9 _352\"> </span>H\u00e5llbarhetsnoter<span class=\"__9 _353\"> </span>\u00d6vrigt<span class=\"__9 _354\"/><span class=\"ws0_9\">Strategisk r<span class=\"__9 _348\"/>apport<span class=\"__9 _356\"> </span></span></span></span></span>K2.2 <span class=\"__9 _6e_1\"> </span>R\u00e4nt<span class=\"__9 _413\"/>enetto, forts.<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vkastningen p\u00e5 \ufb01nansiella tillg\u00e5ngar redovisas p\u00e5 tre rader i resul<span class=\"__9 _348\"/>tatr\u00e4kningen: \u201dR\u00e4n<span class=\"__9 _413\"/>teint\u00e4k<span class=\"__9 _413\"/>ter fr\u00e5n anv\u00e4ndande a<span class=\"__9 _413\"/>v <span class=\"__9 _356\">effek</span><span class=\"__9 _413\"/>tivr\u00e4ntemetoden\u201d<span class=\"__9 _357\"/>, \u201d\u00d6vriga r\u00e4n<span class=\"__9 _348\"/>teint<span class=\"__9 _348\"/>\u00e4kter\u201d och \u201dNegativ avkas<span class=\"__9 _413\"/>tning p\u00e5 \ufb01nansiella tillg\u00e5ngar<span class=\"__9 _425\"/>\u201d<span class=\"__9 _357\"/>. Under posten \u201dR\u00e4ntein-<span class=\"__9 _356\"> </span>t\u00e4kt<span class=\"__9 _348\"/>er fr\u00e5n an<span class=\"__9 _348\"/>v\u00e4ndande a<span class=\"__9 _413\"/><span class=\"__9 _356\">v effektivr</span><span class=\"__9 _413\"/>\u00e4ntemetoden\u201d redovisar Nordea r\u00e4n<span class=\"__9 _413\"/>teint\u00e4kt<span class=\"__9 _413\"/>er fr\u00e5n \ufb01nansiella tillg\u00e5ngar v\u00e4rderade till <span class=\"__9 _356\">upplupet anskaffningsv</span><span class=\"__9 _413\"/>\u00e4rde eller till verkligt v\u00e4rde via \u00f6vrigt totalr<span class=\"__9 _348\"/>esultat. Resul<span class=\"__9 _348\"/>tatr\u00e4kningspos<span class=\"__9 _413\"/>ten \u201d\u00d6vriga r\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter<span class=\"__9 _a_8\"/>\u201d innefa<span class=\"__9 _413\"/>ttar r\u00e4ntein<span class=\"__9 _348\"/>t\u00e4kt<span class=\"__9 _348\"/>er fr\u00e5n e<span class=\"__9 _413\"/>xempelvis l\u00e5n v\u00e4r<span class=\"__9 _413\"/>derade till verkligt v\u00e4r<span class=\"__9 _348\"/>de via resulta<span class=\"__9 _413\"/>tr\u00e4kningen eftersom de inte uppfyl<span class=\"__9 _348\"/>-<span class=\"__9 _356\"> </span>ler SPPI-kriteriet (som anger att kassa<span class=\"__9 _413\"/>fl\u00f6det enbar<span class=\"__9 _a_8\"/>t ska utg\u00f6-<span class=\"__9 _356\"> </span>ras a<span class=\"__9 _413\"/>v betalning av kapitalbelopp och r\u00e4n<span class=\"__9 _413\"/>ta). Negativ avkas<span class=\"__9 _413\"/>t-<span class=\"__9 _356\"> </span>ning p\u00e5 \ufb01nansiella tillg\u00e5ngar och skulder redo<span class=\"__9 _348\"/>visas under \u201dNegativ a<span class=\"__9 _413\"/>vkastning p\u00e5 \ufb01nansiella tillg\u00e5ngar<span class=\"__9 _a_8\"/>\u201d respektive \u201dNegativ a<span class=\"__9 _413\"/>vkastning p\u00e5 \ufb01nansiella skulder<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _356\"> </span><span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__9 _413\"/>ttningar<span class=\"__9 _356\"> </span>Nordeas kritiska bed\u00f6mning \u00e4r att en ev<span class=\"__9 _413\"/>entuell f\u00f6r\u00e4ndring i r\u00e4n<span class=\"__9 _348\"/>tan p\u00e5 uppl\u00e5ning via E<span class=\"__9 _348\"/>CB:s riktade l\u00e5ngf<span class=\"__9 _413\"/>ristiga re\ufb01nansie-<span class=\"__9 _356\"> </span>ringsprogram (TL<span class=\"__9 _357\"/>TRO<span class=\"__9 _413\"/>), fr\u00e5n det att gr\u00e4nsv<span class=\"__9 _413\"/>\u00e4rdena f\u00f6r utl\u00e5ning har uppn\u00e5tts, ska betrak<span class=\"__9 _413\"/>tas som en f\u00f6r\u00e4ndring i en r<span class=\"__9 _413\"/>\u00f6rlig r\u00e4n<span class=\"__9 _348\"/><span class=\"__9 _356\">ta och redovisas som en s\u00e5dan enligt IFRS 9. Den eff</span><span class=\"__9 _413\"/>ekt som uppst\u00e5r genom a<span class=\"__9 _348\"/>tt gr\u00e4nsv\u00e4r<span class=\"__9 _348\"/>dena f\u00f6r utl\u00e5ning uppn\u00e5s redovisas d\u00e4rmed under \u201dR\u00e4n<span class=\"__9 _413\"/>tenetto\u201d n\u00e4r det med tillr\u00e4cklig s\u00e4kerhet g\u00e5r att f<span class=\"__9 _413\"/>astst\u00e4lla att gr\u00e4nsv<span class=\"__9 _413\"/>\u00e4rdena kommer att uppn\u00e5s.<span class=\"__9 _356\"> </span>R\u00e4ntenetto<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _426\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter fr\u00e5n anv<span class=\"__9 _413\"/>\u00e4ndande av effek<span class=\"__9 _413\"/><span class=\"__9 _356\">tivr\u00e4ntemetoden1</span><span class=\"__9 _427\"> </span>7 937<span class=\"__9 _3a_4\"> </span>5 116<span class=\"__9 _356\"> </span>\u00d6vriga r\u00e4nt<span class=\"__9 _348\"/>eint\u00e4k<span class=\"__9 _413\"/>ter<span class=\"__9 _7a_1\"> </span>1 013<span class=\"__9 _380\"> </span>784<span class=\"__9 _356\"> </span>Negativ a<span class=\"__9 _348\"/>vkastning p\u00e5 \ufb01nansiella tillg\u00e5ngar<span class=\"__9 _369\"> </span>-134<span class=\"__9 _1b_5\"> </span>-219<span class=\"__9 _356\"> </span>R\u00e4ntekos<span class=\"__9 _413\"/>tnader<span class=\"__9 _407\"> </span>-3 474<span class=\"__9 _3b_3\"> </span>-1 167<span class=\"__9 _356\"> </span>Negativ a<span class=\"__9 _348\"/>vkastning p\u00e5 \ufb01nansiella skulder<span class=\"__9 _7b_1\"> </span> 322<span class=\"__9 _367\"> </span>411<span class=\"__9 _356\"> </span>R\u00e4ntenetto<span class=\"__9 _7c_1\"> </span>5 664<span class=\"__9 _362\"> </span>4 92<span class=\"__9 _a_8\"/>5<span class=\"__9 _356\"> </span>1)   <span class=\"__9 _c_8\"/>Var<span class=\"__9 _348\"/>av variabla leasingin<span class=\"__9 _413\"/>t\u00e4kter 229 mn euro (175 mn euro). V<span class=\"__9 _413\"/>ariabla leasingint\u00e4kt<span class=\"__9 _413\"/>er best\u00e5r av r<span class=\"__9 _413\"/>\u00f6rliga r\u00e4ntor exklusive den f<span class=\"__9 _413\"/>asta marginalen. Om den variabla leasingin-<span class=\"__9 _356\"> </span>t\u00e4kten minskar mo<span class=\"__9 _348\"/>tverkas detta av l\u00e4gr<span class=\"__9 _413\"/>e uppl\u00e5ningskostnader. R\u00e4n<span class=\"__9 _413\"/>teint\u00e4kterna p\u00e5 nettoinvest<span class=\"__9 _413\"/>eringen i \ufb01nansiella leasingavtal uppgick till 329 mn euro (260 mn euro).<span class=\"__9 _356\"> </span>R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter fr\u00e5n an<span class=\"__9 _413\"/><span class=\"__9 _356\">v\u00e4ndande av eff</span><span class=\"__9 _413\"/>ektivr\u00e4ntemet<span class=\"__9 _413\"/>oden<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _426\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Utl\u00e5ning till kreditinstitut<span class=\"__9 _7d_2\"> </span> 682<span class=\"__9 _375\"> </span>93<span class=\"__9 _356\"> </span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__9 _7e_1\"> </span>6 527<span class=\"__9 _386\"> </span>4 7<span class=\"__9 _a_8\"/>29<span class=\"__9 _356\"> </span>R\u00e4nteb\u00e4r<span class=\"__9 _348\"/>ande v\u00e4rdepapper<span class=\"__9 _7f_2\"> </span> 325<span class=\"__9 _361\"> </span>182<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vgifter <span class=\"__9 _428\"> </span><span class=\"ls2_8 ws5_8\"> 24<span class=\"__9 _a_8\"/>2<span class=\"__9 _367\"> </span></span>231<span class=\"__9 _356\"> </span>Netto betald eller erh\u00e5llen r\u00e4n<span class=\"__9 _413\"/>ta p\u00e5 derivatinstrumen<span class=\"__9 _413\"/>t i s\u00e4kringsredovisning av tillg\u00e5ngar<span class=\"__9 _429\"> </span> 161<span class=\"__9 _383\"> </span>-119<span class=\"__9 _356\"> </span>R\u00e4ntein<span class=\"__9 _348\"/>t\u00e4kter f<span class=\"__9 _413\"/>r\u00e5n anv\u00e4ndande av effek<span class=\"__9 _413\"/>tivr\u00e4ntemetoden<span class=\"__9 _352\"> </span>7 937<span class=\"__9 _1e_5\"> </span>5 116<span class=\"__9 _356\"> </span>\u00d6vriga r\u00e4nt<span class=\"__9 _413\"/>eint\u00e4kter<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _426\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Utl\u00e5ning till verkligt v\u00e4rde till allm\u00e4nhet<span class=\"__9 _348\"/>en<span class=\"__9 _369\"> </span>1 06<span class=\"__9 _a_8\"/>4<span class=\"__9 _380\"> </span>955<span class=\"__9 _356\"> </span>R\u00e4nteb\u00e4r<span class=\"__9 _348\"/>ande v\u00e4rdepapper till verkligt v<span class=\"__9 _413\"/>\u00e4rde<span class=\"__9 _372\"> </span><span class=\"ls3_8 ws6_8\"> 170<span class=\"__9 _375\"> </span></span>60<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vgifter och \u00f6vriga r\u00e4nt<span class=\"__9 _348\"/>eint\u00e4k<span class=\"__9 _413\"/>ter p\u00e5 tillg\u00e5ngar till verkligt v\u00e4rde<span class=\"__9 _430\"> </span> 0<span class=\"__9 _2d_3\"> </span>1<span class=\"__9 _356\"> </span>Netto betald eller erh\u00e5llen r\u00e4n<span class=\"__9 _413\"/>ta p\u00e5 derivatinstrumen<span class=\"__9 _413\"/>t i ekonomiska s\u00e4kringar av tillg\u00e5ngar<span class=\"__9 _431\"> </span>-221<span class=\"__9 _f_8\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _a_8\"/>3<span class=\"__9 _a_8\"/>2<span class=\"__9 _356\"> </span></span>\u00d6vriga r\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter<span class=\"__9 _432\"> </span>1 013<span class=\"__9 _3d_3\"> </span>784<span class=\"__9 _356\"> </span>R\u00e4ntek<span class=\"__9 _348\"/>ostnader<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _426\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Skulder till kreditinstitut<span class=\"__9 _433\"> </span>-221<span class=\"__9 _367\"> </span>-35<span class=\"__9 _356\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__9 _5d_1\"> </span>-957<span class=\"__9 _363\"> </span>-166<span class=\"__9 _356\"> </span>Emitterade v\u00e4r<span class=\"__9 _413\"/>depapper<span class=\"__9 _434\"> </span>-2 376<span class=\"__9 _410\"> </span>-1 275<span class=\"__9 _356\"> </span>Efterst\u00e4llda sk<span class=\"__9 _348\"/>ulder<span class=\"__9 _435\"> </span><span class=\"ls2_8 ws5_8\">-25<span class=\"__9 _a_8\"/>2<span class=\"__9 _363\"> </span>-2<span class=\"__9 _a_8\"/>55<span class=\"__9 _356\"> </span></span>\u00d6vriga r\u00e4nt<span class=\"__9 _348\"/>ekostnader<span class=\"__9 _436\"> </span><span class=\"ls3_8 ws6_8\">-14<span class=\"__9 _364\"> </span>-14<span class=\"__9 _356\"> </span></span>Netto betald eller erh\u00e5llen r\u00e4n<span class=\"__9 _413\"/>ta p\u00e5 derivatinstrumen<span class=\"__9 _413\"/>t i s\u00e4kringar av skulder<span class=\"__9 _437\"> </span> 346<span class=\"__9 _381\"> </span><span class=\"ls3_8 ws6_8\">578<span class=\"__9 _356\"> </span></span>R\u00e4ntekos<span class=\"__9 _413\"/>tnader<span class=\"__9 _8a_1\"> </span>-3 47<span class=\"__9 _413\"/>4<span class=\"__9 _410\"> </span>-1 167<span class=\"__9 _356\"> </span>R\u00e4ntenetto f<span class=\"__9 _413\"/>r\u00e5n kategorier a<span class=\"__9 _413\"/>v \ufb01nansiella instrument<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _426\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade till  verkligt v\u00e4rde via \u00f6<span class=\"__9 _413\"/>vrigt totalresultat <span class=\"__9 _8b_1\"> </span> 279<span class=\"__9 _367\"> </span>119<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade  <span class=\"__9 _356\">till upplupet anskaffningsv</span><span class=\"__9 _348\"/>\u00e4rde<span class=\"__9 _8c_1\"> </span>7 364<span class=\"__9 _362\"> </span>4 903<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade till  verkligt v\u00e4rde via r<span class=\"__9 _413\"/>esultatr\u00e4kningen <span class=\"__9 _8d_1\"> </span><span class=\"ls3_8 ws6_8\">1 17<span class=\"__9 _a_8\"/>3<span class=\"__9 _3d_3\"> </span></span>659<span class=\"__9 _356\"> </span>Finansiella skulder v\u00e4rder<span class=\"__9 _413\"/>ade <span class=\"__9 _356\">till upplupet anskaffningsv</span><span class=\"__9 _348\"/>\u00e4rde<span class=\"__9 _8e_1\"> </span>-2 896<span class=\"__9 _2b_3\"> </span>-838<span class=\"__9 _356\"> </span>Finansiella skulder v\u00e4rder<span class=\"__9 _413\"/>ade till  verkligt v\u00e4rde via r<span class=\"__9 _413\"/>esultatr\u00e4kningen <span class=\"__9 _8f_1\"> </span><span class=\"ls2_8 ws5_8\">-25<span class=\"__9 _a_8\"/>6<span class=\"__9 _375\"> </span></span>82<span class=\"__9 _356\"> </span>R\u00e4ntenetto<span class=\"__9 _7c_1\"> </span>5 664<span class=\"__9 _362\"> </span>4 92<span class=\"__9 _a_8\"/>5<span class=\"__9 _356\"> </span>R\u00e4ntan p\u00e5 os\u00e4kr<span class=\"__9 _413\"/>a l\u00e5nefordringar utgjorde en obety<span class=\"__9 _348\"/>dlig andel av r<span class=\"__9 _413\"/>\u00e4nteint\u00e4k<span class=\"__9 _413\"/>terna<span class=\"__9 _356\"> </span>.<span class=\"__9 _356\"> </span>K2.3  A<span class=\"__9 _413\"/>vgifts- och pro<span class=\"__9 _413\"/>visionsnetto<span class=\"__9 _356\"> </span>Redovisningsprinciper Nordea har provisionsin<span class=\"__9 _413\"/>t\u00e4kter fr<span class=\"__9 _413\"/>\u00e5n olika typer av tj\u00e4nster som tillhandah\u00e5lls kunder<span class=\"__9 _413\"/>. Hur provisionsin<span class=\"__9 _413\"/>t\u00e4kterna redovisas beror p\u00e5 i vilket syfte a<span class=\"__9 _413\"/>vgiften tas ut.<span class=\"__9 _356\"> </span>Huvuddelen av in<span class=\"__9 _413\"/>t\u00e4kterna som klassi\ufb01cer<span class=\"__9 _413\"/>ats som \u201dProvi-<span class=\"__9 _356\"> </span>sionsint\u00e4k<span class=\"__9 _413\"/>ter<span class=\"__9 _a_8\"/>\u201d avser int\u00e4k<span class=\"__9 _413\"/>ter fr\u00e5n a<span class=\"__9 _413\"/>vtal med kunder enligt IFRS 15. A<span class=\"__9 _357\"/>vgiftsint\u00e4kt<span class=\"__9 _348\"/>er redovisas n\u00e4r eller i tak<span class=\"__9 _413\"/>t med att ett f\u00f6r<span class=\"__9 _348\"/>etag har fullgjort sina \u00e5taganden, an<span class=\"__9 _413\"/>tingen \u00f6ver tid eller vid en speci\ufb01k tidpunkt.<span class=\"__9 _356\"> </span>Utl\u00e5ningsav<span class=\"__9 _413\"/><span class=\"__9 _356\">gifter som inte ing\u00e5r i den eff</span><span class=\"__9 _413\"/>ektiva r\u00e4n<span class=\"__9 _413\"/>tan f\u00f6r ett \ufb01nansiellt instrumen<span class=\"__9 _413\"/>t redovisas n\u00e4r \u00e5tagandet har fullgjorts. A<span class=\"__9 _357\"/>vgifter som erh\u00e5lls i samband med bilaterala tr<span class=\"__9 _413\"/>ansaktio-<span class=\"__9 _356\"> </span>ner redovisas normalt s<span class=\"__9 _348\"/>om en del av det \ufb01nansiella ins<span class=\"__9 _413\"/>tru-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">mentets eff</span><span class=\"__9 _413\"/>ektiva r<span class=\"__9 _348\"/>\u00e4nta. <span class=\"__9 _413\"/>Av<span class=\"__9 _413\"/>gifter fr\u00e5n syndikerade l\u00e5n r<span class=\"__9 _413\"/>edovi-<span class=\"__9 _356\"> </span>sas antingen som en del a<span class=\"__9 _413\"/><span class=\"__9 _356\">v den effektiv</span><span class=\"__9 _413\"/>a r\u00e4ntan p\u00e5 Nordeas<span class=\"__9 _356\"> </span>del eller<span class=\"__9 _413\"/>, om Nordea fungera<span class=\"__9 _413\"/>t som agentbank, som en avgifts<span class=\"__9 _356\"> </span>nt\u00e4k<span class=\"__9 _413\"/>t<span class=\"__9 _a_8\"/>. Om av<span class=\"__9 _348\"/>giftsint\u00e4k<span class=\"__9 _413\"/>ten avser b\u00e5de och, grundas den a<span class=\"__9 _413\"/>vgift <span class=\"__9 _356\">som ing\u00e5r i den effek</span><span class=\"__9 _413\"/>tiva r\u00e4nt<span class=\"__9 _348\"/>an p\u00e5 den marginal som erh\u00e5l-<span class=\"__9 _356\"> </span>lits fr\u00e5n de \u00f6<span class=\"__9 _348\"/>vriga parterna i arrangemanget.<span class=\"__9 _356\"> </span>R\u00f6rliga a<span class=\"__9 _413\"/>vgifter<span class=\"__9 _413\"/>, s\u00e5som resultatr<span class=\"__9 _348\"/>elater<span class=\"__9 _348\"/>ade av<span class=\"__9 _413\"/>gifter<span class=\"__9 _348\"/>, redovi-<span class=\"__9 _356\"> </span>sas endast i den utstr<span class=\"__9 _413\"/>\u00e4ckning det \u00e4r mycket sannolikt a<span class=\"__9 _348\"/>tt ingen v\u00e4sen<span class=\"__9 _413\"/>tlig \u00e5terf\u00f6ring av de ack<span class=\"__9 _413\"/>umulerade, redovisade beloppen kommer att ske. Provisionskos<span class=\"__9 _413\"/>tnader som avser en viss period kostnadsf<span class=\"__9 _413\"/>\u00f6rs under den perioden, medan transak<span class=\"__9 _348\"/>tionsav<span class=\"__9 _413\"/>gifter redovisas n\u00e4r tj\u00e4nsterna erh\u00e5lls.<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vgifts- och provisionsnetto<span class=\"__9 _356\"> </span>1,2<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _438\"> </span>2022<span class=\"__9 _3a_4\"> </span>2021<span class=\"__9 _356\"> </span>Provisioner fr<span class=\"__9 _413\"/>\u00e5n kapitalf\u00f6rvaltning<span class=\"__9 _439\"> </span>1 733<span class=\"__9 _376\"> </span>1 845<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v int\u00e4kter <span class=\"__9 _440\"> </span>2 082<span class=\"__9 _5b_1\"> </span>2 216<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v kostnader <span class=\"__9 _441\"> </span>-349<span class=\"__9 _3a_4\"> </span>-371<span class=\"__9 _356\"> </span>Provisioner fr<span class=\"__9 _413\"/>\u00e5n liv<span class=\"__9 _a_8\"/>f\u00f6rs\u00e4kring och pensioner<span class=\"__9 _442\"> </span><span class=\"lsb_8 wsd_8\">2<span class=\"__9 _a_8\"/>74<span class=\"__9 _1b_5\"> </span></span>273<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v int\u00e4kter <span class=\"__9 _443\"> </span>296<span class=\"__9 _379\"> </span>299<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v kostnader <span class=\"__9 _444\"> </span><span class=\"ls2_8 ws5_8\">-22<span class=\"__9 _383\"> </span>-26<span class=\"__9 _356\"> </span></span>Inl\u00e5ningsprodukt<span class=\"__9 _348\"/>er<span class=\"__9 _445\"> </span><span class=\"lsc_8 wse_8\">25<span class=\"__9 _361\"> </span>25<span class=\"__9 _356\"> </span></span>- vara<span class=\"__9 _413\"/>v int\u00e4kter <span class=\"__9 _446\"> </span><span class=\"lsc_8 wse_8\">25<span class=\"__9 _361\"> </span>25<span class=\"__9 _356\"> </span></span>Courtage, v\u00e4rdepappersemissioner och f\u00f6retags\ufb01nansiering<span class=\"__9 _356\"> </span>173<span class=\"__9 _379\"> </span><span class=\"ls0_9 ws0_9\">269<span class=\"__9 _356\"> </span></span>- vara<span class=\"__9 _413\"/>v int\u00e4kter <span class=\"__9 _443\"> </span>306<span class=\"__9 _f_8\"> </span>421<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v kostnader <span class=\"__9 _447\"> </span>-133<span class=\"__9 _1e_5\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _a_8\"/>52<span class=\"__9 _356\"> </span></span>Dep\u00e5- och emissionstj\u00e4ns<span class=\"__9 _348\"/>ter<span class=\"__9 _9a_1\"> </span>18<span class=\"__9 _367\"> </span>35<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v int\u00e4kter <span class=\"__9 _7c_1\"> </span>63<span class=\"__9 _381\"> </span>88<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v kostnader <span class=\"__9 _9b_1\"> </span>-45<span class=\"__9 _399\"> </span>-53<span class=\"__9 _356\"> </span><span class=\"__9 _356\">Betalningar1</span><span class=\"__9 _9c_2\"> </span><span class=\"lsd_7 wsf_8\">252<span class=\"__9 _379\"> </span></span>2<span class=\"__9 _a_8\"/>36<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v int\u00e4kter <span class=\"__9 _9d_1\"> </span>372<span class=\"__9 _5a_1\"> </span>362<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v kostnader <span class=\"__9 _9e_1\"> </span>-120<span class=\"__9 _1e_5\"> </span>-126<span class=\"__9 _356\"> </span>Kor<span class=\"__9 _a_8\"/>t<span class=\"__9 _9f_1\"> </span><span class=\"ls0_9 ws0_9\">306<span class=\"__9 _379\"> </span>250<span class=\"__9 _356\"> </span></span>- vara<span class=\"__9 _413\"/>v int\u00e4kter <span class=\"__9 _9d_1\"> </span>427<span class=\"__9 _2b_3\"> </span>349<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v kostnader <span class=\"__9 _a0_1\"> </span>-121<span class=\"__9 _363\"> </span>-99<span class=\"__9 _356\"> </span>Utl\u00e5ningsprodukt<span class=\"__9 _348\"/>er<span class=\"__9 _a1_1\"> </span>477<span class=\"__9 _379\"> </span>478<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v int\u00e4kter <span class=\"__9 _443\"> </span>502<span class=\"__9 _379\"> </span>505<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v kostnader <span class=\"__9 _440\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _a_8\"/>5<span class=\"__9 _365\"> </span>-27<span class=\"__9 _356\"> </span></span>Garantier <span class=\"__9 _a2_1\"> </span>101<span class=\"__9 _f_8\"> </span>102<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v int\u00e4kter <span class=\"__9 _9d_1\"> </span><span class=\"ls3_8 ws6_8\">144<span class=\"__9 _363\"> </span></span>138<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v kostnader <span class=\"__9 _9b_1\"> </span><span class=\"ls4_8 ws7_8\">-43<span class=\"__9 _363\"> </span></span>-36<span class=\"__9 _356\"> </span>\u00d6vrigt<span class=\"__9 _a3_1\"> </span><span class=\"ls2_8 ws5_8\">-23<span class=\"__9 _365\"> </span><span class=\"ls3_8 ws6_8\">-18<span class=\"__9 _356\"> </span></span></span>- vara<span class=\"__9 _413\"/>v int\u00e4kter <span class=\"__9 _6d_1\"> </span>61<span class=\"__9 _381\"> </span>69<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v kostnader <span class=\"__9 _a4_1\"> </span>-84<span class=\"__9 _1b_5\"> </span>-87<span class=\"__9 _356\"> </span>Summa<span class=\"__9 _a2_1\"> </span>3 336<span class=\"__9 _2a_3\"> </span>3 495<span class=\"__9 _356\"> </span>1) A<span class=\"__9 _413\"/>vgifts-och provisionint\u00e4nkt<span class=\"__9 _348\"/>er fr\u00e5n \ufb01nansiella tillg\u00e5ngar och skulder som in<span class=\"__9 _413\"/>te v\u00e4rn-<span class=\"__9 _356\"> </span>deras till v\u00e4rkligt v\u00e4r<span class=\"__9 _348\"/>de via reslutatr<span class=\"__9 _348\"/>\u00e4kningen och som inte ing\u00e5r i ber\u00e4kningen a<span class=\"__9 _413\"/>v <span class=\"__9 _356\">effek</span><span class=\"__9 _348\"/>tiv r\u00e4nta uppg\u00e5r till 456 mn euro (<span class=\"__9 _413\"/>460 mn euro).<span class=\"__9 _356\"> </span>2) A<span class=\"__9 _413\"/>vgifts- och provisionsint\u00e4k<span class=\"__9 _413\"/>ter fr\u00e5n f\u00f6rvaltningsverksamhet som resul<span class=\"__9 _413\"/>terar i innehav eller placering i tillg\u00e5ngar f\u00f6r kunders r<span class=\"__9 _348\"/>\u00e4kning och som inte ing\u00e5r i ber\u00e4kningen a<span class=\"__9 _413\"/>v <span class=\"__9 _356\">effek</span><span class=\"__9 _348\"/>tiv r\u00e4nta uppg\u00e5r till 2 684 mn euro (2 936 mn eur<span class=\"__9 _413\"/>o). Motsvarande belopp f\u00f6r avgifts- och pr<span class=\"__9 _348\"/>ovisionskostnader \u00e4r -<span class=\"__9 _413\"/>22 mn euro (-25 mn euro).<span class=\"__9 _356\"> </span>K2.3  Avgifts- och pro<span class=\"__9 _413\"/>visionsnetto, forts.<span class=\"__9 _356\"> </span>Provision fr<span class=\"__9 _413\"/>\u00e5n kapitalf\u00f6rvaltning redo<span class=\"__9 _413\"/>visas normalt \u00f6ver tid i takt med a<span class=\"__9 _413\"/>tt tj\u00e4nster utf\u00f6rs, och brukar baseras p\u00e5 f<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>valt<span class=\"__9 _348\"/>at kapital. Dessa av<span class=\"__9 _413\"/>gifter redovisas fortl\u00f6pande eftersom belop-<span class=\"__9 _356\"> </span>pet (och r\u00e4<span class=\"__9 _413\"/>tten att erh\u00e5lla avgift<span class=\"__9 _413\"/>en) st\u00e5r i relation till det v\u00e4rde som k<span class=\"__9 _413\"/>unden erh\u00e5ller. <span class=\"__9 _413\"/>A<span class=\"__9 _413\"/>vgifterna redovisas varje m\u00e5nad n\u00e4r marknadsv\u00e4rdet f<span class=\"__9 _413\"/>\u00f6r det f\u00f6rvaltade kapitalet har f<span class=\"__9 _413\"/>ast-<span class=\"__9 _356\"> </span>st\u00e4llts. R<span class=\"__9 _413\"/>\u00f6rliga avgifter som baser<span class=\"__9 _413\"/>as p\u00e5 relativ utveckling i f\u00f6r-<span class=\"__9 _356\"> </span>h\u00e5llande till ett j\u00e4mf<span class=\"__9 _413\"/>\u00f6relseindex \u00e4r s\u00e4llsynt<span class=\"__9 _348\"/>a. Os\u00e4kerheten kring r\u00f6rliga a<span class=\"__9 _413\"/>vgifter skingras normalt \u00e5tmins<span class=\"__9 _348\"/>tone p\u00e5 varje balansdag och av<span class=\"__9 _413\"/>giftsint\u00e4kten kan r<span class=\"__9 _413\"/>edovisas. Beloppet kan inte r<span class=\"__9 _413\"/>edovisas om utfallet \u00e4nnu \u00e4r os\u00e4kert och kan p\u00e5v<span class=\"__9 _413\"/>erkas av marknadsutv<span class=\"__9 _413\"/>ecklingen.<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vgifts- och provisionsin<span class=\"__9 _413\"/>t\u00e4kter fr\u00e5n liv- och pensionsv<span class=\"__9 _413\"/>erk-<span class=\"__9 _356\"> </span>samheten utg\u00f6rs a<span class=\"__9 _348\"/>v s\u00e5 kallade av<span class=\"__9 _413\"/>giftsuttag fr\u00e5n f\u00f6rs\u00e4krings-<span class=\"__9 _356\"> </span>tagare och vinst<span class=\"__9 _348\"/>delning p\u00e5 risk- och a<span class=\"__9 _413\"/>vkastningsresulta<span class=\"__9 _413\"/>t f\u00f6r fondf<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsavtal och \ufb01nansiella avt<span class=\"__9 _348\"/>al. A<span class=\"__9 _413\"/>vgiftsint<span class=\"__9 _348\"/>\u00e4kten redovisas \u00f6v<span class=\"__9 _413\"/>er tid i takt med att tj\u00e4nst<span class=\"__9 _348\"/>erna utf\u00f6rs. F<span class=\"__9 _413\"/>\u00f6r ytterli-<span class=\"__9 _356\"> </span>gare inf<span class=\"__9 _413\"/>ormation om int\u00e4k<span class=\"__9 _413\"/>tsredovisning f\u00f6r f<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>s\u00e4kringspro-<span class=\"__9 _356\"> </span>dukter<span class=\"__9 _357\"/>, se not K2.4 \u201dSumma nettoresult<span class=\"__9 _348\"/>at a<span class=\"__9 _413\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vgifter i kategorierna \u201dInl\u00e5ningspr<span class=\"__9 _413\"/>odukter<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _413\"/>, \u201dCourtage, v\u00e4rdepappersemissioner och f<span class=\"__9 _413\"/>\u00f6retags\ufb01nansiering\u201d<span class=\"__9 _413\"/>, \u201dDep\u00e5- och emissionstj\u00e4nster\u201d samt \u201dBetalningar<span class=\"__9 _a_8\"/>\u201d redovisas b\u00e5de \u00f6ver tid och vid en viss tidpunk<span class=\"__9 _413\"/>t<span class=\"__9 _a_8\"/>, beroende p\u00e5 n\u00e4r \u00e5tagandena fullg\u00f6rs. A<span class=\"__9 _357\"/>vgifterna som avser c<span class=\"__9 _413\"/>our<span class=\"__9 _a_8\"/>tage, v\u00e4rdepappersemis-<span class=\"__9 _356\"> </span>sioner och f\u00f6r<span class=\"__9 _348\"/>etags\ufb01nansiering \u00e4r fr\u00e4ms<span class=\"__9 _413\"/>t transaktionsbase-<span class=\"__9 _356\"> </span>rade och a<span class=\"__9 _413\"/>vser r\u00e5dgivning eller utf\u00f6rande a<span class=\"__9 _413\"/>v kundorder g\u00e4l-<span class=\"__9 _356\"> </span>lande v\u00e4rdepapper<span class=\"__9 _357\"/>, d\u00e4r tj\u00e4nsterna redovisas vid den tidpunk<span class=\"__9 _413\"/>t d\u00e5 tj\u00e4nsterna rela<span class=\"__9 _413\"/>terade till transaktionerna har sl<span class=\"__9 _413\"/>utf\u00f6rts. Betalningsprovisioner innef<span class=\"__9 _413\"/>attar av<span class=\"__9 _413\"/>gifter f\u00f6r cash manage-<span class=\"__9 _356\"> </span>ment och betalningsl\u00f6sningar<span class=\"__9 _357\"/>, vilka redovisas \u00f6ver tid, sam<span class=\"__9 _413\"/>t transak<span class=\"__9 _348\"/>tionsbaserade a<span class=\"__9 _413\"/>vgifter f\u00f6r tj\u00e4ns<span class=\"__9 _348\"/>ter som inrikes- och utlandsbetalningar<span class=\"__9 _413\"/>, vilka redovisas vid en viss tidpunk<span class=\"__9 _413\"/>t<span class=\"__9 _a_8\"/>. Korta<span class=\"__9 _413\"/>vgifter delas in i kategorierna f<span class=\"__9 _348\"/>\u00f6rmedlingsav<span class=\"__9 _413\"/>gifter<span class=\"__9 _348\"/>, som redovisas n\u00e4r k<span class=\"__9 _413\"/>unden anv\u00e4nder tj\u00e4nsten, och a<span class=\"__9 _413\"/>vgifter f\u00f6r kortinnehav<span class=\"__9 _348\"/>are, som redo<span class=\"__9 _413\"/>visas \u00f6ver tid eller vid en viss tid-<span class=\"__9 _356\"> </span>punkt om a<span class=\"__9 _413\"/>vgiften \u00e4r transak<span class=\"__9 _348\"/>tionsbaserad. Utl\u00e5ningsav<span class=\"__9 _413\"/>gifter redovisas n\u00e4r \u00e5tagandet har fullgjorts, det vill s\u00e4ga n\u00e4r transak<span class=\"__9 _348\"/>tionen har genomf<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>ts, s\u00e5vida de in<span class=\"__9 _413\"/>te <span class=\"__9 _356\">ing\u00e5r i den effek</span><span class=\"__9 _413\"/>tiva r\u00e4ntan f<span class=\"__9 _413\"/>\u00f6r det \ufb01nansiella instrumentet. Int\u00e4k<span class=\"__9 _413\"/>ter f\u00f6r utst\u00e4llda \ufb01nansiella gar<span class=\"__9 _413\"/>antier samt kos<span class=\"__9 _348\"/>tnader f\u00f6r k<span class=\"__9 _348\"/>\u00f6pta \ufb01nansiella garan<span class=\"__9 _413\"/>tier<span class=\"__9 _413\"/>, f\u00f6rdelas \u00f6ver ins<span class=\"__9 _413\"/>trumentets l\u00f6ptid och klassi\ufb01cer<span class=\"__9 _348\"/>as som \u201d<span class=\"__9 _357\"/>A<span class=\"__9 _413\"/>vgifts- och provisionsin<span class=\"__9 _413\"/>t\u00e4kter<span class=\"__9 _a_8\"/>\u201d respek<span class=\"__9 _348\"/>tive \u201d<span class=\"__9 _357\"/>A<span class=\"__9 _413\"/>vgifts- och provisionsk<span class=\"__9 _348\"/>ostnader<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _357\"/>. \u00d6vriga av<span class=\"__9 _413\"/>giftsint\u00e4kter \u00e4r normal<span class=\"__9 _348\"/>t transak<span class=\"__9 _348\"/>tionsbaserade.<span class=\"__9 _356\"> </span>F\u00f6r tr<span class=\"__9 _413\"/>ansaktionsbaserade tj\u00e4nster s<span class=\"__9 _348\"/>om utf\u00f6rs vid en viss tidpunkt erh\u00e5lls betalning omedelbart i samband med att tj\u00e4nsterna utf<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>s. F\u00f6r tj\u00e4ns<span class=\"__9 _413\"/>ter som utf\u00f6rs \u00f6ver tid g\u00e4ller nor-<span class=\"__9 _356\"> </span>malt en kortare period. Ex<span class=\"__9 _413\"/>empel p\u00e5 s\u00e5dana tj\u00e4nster \u00e4r betal-<span class=\"__9 _356\"> </span>ningstj\u00e4nster s<span class=\"__9 _413\"/>om l\u00f6per per m\u00e5nad eller kapitalf\u00f6rvaltnings-<span class=\"__9 _356\"> </span>tj\u00e4nster som l\u00f6per per m\u00e5nad eller per kv<span class=\"__9 _413\"/>ar<span class=\"__9 _a_8\"/>tal. F\u00f6r tj\u00e4nst<span class=\"__9 _348\"/>er som utf\u00f6rs \u00f6v<span class=\"__9 _413\"/>er tid uppst\u00e5r r\u00e4tten till ers\u00e4ttning i sl<span class=\"__9 _348\"/>utet a<span class=\"__9 _348\"/>v varje period n\u00e4r \u00e5tagandena \u00e4r f<span class=\"__9 _413\"/>ullgjorda och det \u00e4r mycket sannolikt a<span class=\"__9 _348\"/>tt ingen v\u00e4sen<span class=\"__9 _413\"/>tlig \u00e5terf\u00f6ring av ers\u00e4<span class=\"__9 _348\"/>ttningen kom-<span class=\"__9 _356\"> </span>mer att ske. Kundf<span class=\"__9 _348\"/>ordringar redovisas under \u201d\u00d6vriga till<span class=\"__9 _348\"/>g\u00e5ngar<span class=\"__9 _a_8\"/>\u201d medan \u00e4nnu ej debiterade a<span class=\"__9 _413\"/>vgifter f\u00f6r uppfyllda pr<span class=\"__9 _413\"/>estations\u00e5tagan-<span class=\"__9 _356\"> </span>den och avtals<span class=\"__9 _413\"/>tillg\u00e5ngar redovisas under \u201dF\u00f6rutbetalda k<span class=\"__9 _413\"/>ost-<span class=\"__9 _356\"> </span>nader och upplupna int\u00e4k<span class=\"__9 _413\"/>ter<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _413\"/>. Kortfristiga f<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>skott som erh\u00e5l<span class=\"__9 _413\"/>-<span class=\"__9 _356\"> </span>lits, men d\u00e4r presta<span class=\"__9 _413\"/>tions\u00e5tagandena \u00e4nnu inte har uppfyll<span class=\"__9 _348\"/>ts, redovisas under \u201dUpplupna k<span class=\"__9 _413\"/>ostnader och f\u00f6rutbetalda int\u00e4k<span class=\"__9 _413\"/>ter<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>Provisionskos<span class=\"__9 _413\"/>tnader \u00e4r normalt transaktionsbaser<span class=\"__9 _348\"/>ade och redovisas i den period d\u00e5 tj\u00e4ns<span class=\"__9 _348\"/>terna erh\u00e5lls.<span class=\"__9 _356\"> </span>111<span class=\"__9 _356\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__9 _356\"> </span>Inledning<span class=\"__9 _347\"> </span><span class=\"__9 _356\">Aff</span><span class=\"__9 _348\"/>\u00e4rsomr\u00e5den<span class=\"__9 _349\"/><span class=\"ws0_9\">V<span class=\"__9 _413\"/>\u00e5ra intressent<span class=\"__9 _413\"/>er<span class=\"__9 _424\"> </span><span class=\"ff1_9\">Finansiella rapporter<span class=\"__9 _351\"/><span class=\"ff2_9 ws2_8\">F\u00f6rvaltningsber<span class=\"__9 _348\"/>\u00e4ttelse<span class=\"__9 _352\"> </span>H\u00e5llbarhetsnoter<span class=\"__9 _353\"> </span>\u00d6vrigt<span class=\"__9 _354\"/><span class=\"ws0_9\">Strategisk r<span class=\"__9 _348\"/>apport<span class=\"__9 _356\"> </span></span></span></span></span>K2.3  Avgifts- och pro<span class=\"__9 _413\"/>visionsnetto, forts.<span class=\"__9 _356\"> </span><span class=\"__9 _356\">Nedbrytning per aff\u00e4rsomr</span><span class=\"__9 _348\"/>\u00e5de<span class=\"__9 _356\"> </span>2022, mn euro Personal Banking<span class=\"__9 _356\"> </span>Business Banking<span class=\"__9 _356\"> </span>Large Corporates &amp; Institutions<span class=\"__9 _356\"> </span>Asset &amp; Wealth Management<span class=\"__9 _a5_2\"> </span>Group Finance<span class=\"__9 _356\"> </span>\u00d6vrigt &amp; elimineringar<span class=\"__9 _356\"> </span>Nordea <span class=\"__9 _c_8\"/> Group<span class=\"__9 _356\"> </span>Provisioner fr<span class=\"__9 _413\"/>\u00e5n kapitalf\u00f6rvaltning<span class=\"__9 _a6_2\"> </span>560<span class=\"__9 _6a_1\"> </span>88<span class=\"__9 _4f_1\"> </span>8<span class=\"__9 _387\"> </span>1 077<span class=\"__9 _4d_1\"> </span>0<span class=\"__9 _4f_1\"> </span>0<span class=\"__9 _367\"> </span>1 733<span class=\"__9 _356\"> </span>Provisioner fr<span class=\"__9 _413\"/>\u00e5n liv<span class=\"__9 _a_8\"/>f\u00f6rs\u00e4kring och pensioner<span class=\"__9 _a7_2\"> </span>209<span class=\"__9 _373\"> </span>85<span class=\"__9 _4e_1\"> </span>4<span class=\"__9 _369\"> </span><span class=\"ls2_8 ws5_8\">-24<span class=\"__9 _a8_2\"> </span></span>0<span class=\"__9 _4e_1\"> </span>0<span class=\"__9 _1f_5\"> </span><span class=\"lsb_8 wsd_8\">2<span class=\"__9 _a_8\"/>74<span class=\"__9 _356\"> </span></span>Inl\u00e5ningsprodukt<span class=\"__9 _348\"/>er<span class=\"__9 _443\"> </span>6<span class=\"__9 _4e_1\"> </span>18<span class=\"__9 _a9_2\"> </span>1<span class=\"__9 _4d_1\"> </span>0<span class=\"__9 _4d_1\"> </span>0<span class=\"__9 _4f_1\"> </span>0<span class=\"__9 _382\"> </span><span class=\"lsc_8 wse_8\">25<span class=\"__9 _356\"> </span></span>Courtage, v\u00e4rdepappersemissioner och f\u00f6retags\ufb01nansiering<span class=\"__9 _440\"> </span><span class=\"ls4_8 ws7_8\">23<span class=\"__9 _4e_1\"> </span><span class=\"ls0_9 ws0_9\">37<span class=\"__9 _374\"> </span>99<span class=\"__9 _373\"> </span>26<span class=\"__9 _4f_1\"> </span>-6<span class=\"__9 _396\"> </span>-6<span class=\"__9 _2f_3\"> </span></span></span>173<span class=\"__9 _356\"> </span>Dep\u00e5- och emissionstj\u00e4ns<span class=\"__9 _348\"/>ter<span class=\"__9 _412\"> </span><span class=\"ls0_9\">4<span class=\"__9 _aa_1\"> </span>5<span class=\"__9 _396\"> </span></span><span class=\"ws6_8\">17<span class=\"__9 _aa_1\"> </span></span><span class=\"ls0_9\">5<span class=\"__9 _ab_1\"> </span></span><span class=\"ws6_8\">-13<span class=\"__9 _4e_1\"> </span></span><span class=\"ls0_9\">0<span class=\"__9 _5f_1\"> </span>18<span class=\"__9 _356\"> </span></span>Betalningar <span class=\"__9 _ac_1\"> </span>17<span class=\"__9 _369\"> </span>157<span class=\"__9 _382\"> </span><span class=\"ls0_9 ws0_9\">82<span class=\"__9 _ad_1\"> </span>1<span class=\"__9 _4d_1\"> </span>0<span class=\"__9 _ab_1\"> </span>-5<span class=\"__9 _372\"> </span><span class=\"lsd_7 wsf_8\">2<span class=\"__9 _a_8\"/>52<span class=\"__9 _356\"> </span></span></span>Kor<span class=\"__9 _a_8\"/>t<span class=\"__9 _ae_2\"> </span><span class=\"ls2_8 ws5_8\">246<span class=\"__9 _373\"> </span><span class=\"ls0_9 ws0_9\">49<span class=\"__9 _369\"> </span>10<span class=\"__9 _4d_1\"> </span>0<span class=\"__9 _ad_1\"> </span>1<span class=\"__9 _4e_1\"> </span>0<span class=\"__9 _1d_5\"> </span>306<span class=\"__9 _356\"> </span></span></span>Utl\u00e5ningsprodukt<span class=\"__9 _348\"/>er<span class=\"__9 _9b_1\"> </span><span class=\"ls0_9 ws0_9\">121<span class=\"__9 _382\"> </span>167<span class=\"__9 _370\"> </span>185<span class=\"__9 _a8_2\"> </span>6<span class=\"__9 _a7_2\"> </span>1<span class=\"__9 _ab_1\"> </span>-3<span class=\"__9 _370\"> </span>477<span class=\"__9 _356\"> </span></span>Garantier och dok<span class=\"__9 _413\"/>umentbetalningar<span class=\"__9 _af_2\"> </span>8<span class=\"__9 _373\"> </span>26<span class=\"__9 _382\"> </span>65<span class=\"__9 _4d_1\"> </span>0<span class=\"__9 _4d_1\"> </span>0<span class=\"__9 _b0_1\"> </span>2<span class=\"__9 _2f_3\"> </span>101<span class=\"__9 _356\"> </span>\u00d6vrigt<span class=\"__9 _b1_1\"> </span>9<span class=\"__9 _aa_1\"> </span>7<span class=\"__9 _1c_5\"> </span><span class=\"ls3_8 ws6_8\">-13<span class=\"__9 _396\"> </span>-18<span class=\"__9 _b0_1\"> </span></span>-5<span class=\"__9 _ab_1\"> </span>-3<span class=\"__9 _2e_3\"> </span><span class=\"ls2_8 ws5_8\">-23<span class=\"__9 _356\"> </span></span>Summa<span class=\"__9 _b2_2\"> </span>1 203<span class=\"__9 _1c_5\"> </span>639<span class=\"__9 _1d_5\"> </span>458<span class=\"__9 _375\"> </span>1 073<span class=\"__9 _5f_1\"> </span><span class=\"ls2_8 ws5_8\">-22<span class=\"__9 _1c_5\"> </span><span class=\"ls3_8 ws6_8\">-15<span class=\"__9 _381\"> </span></span></span>3 336<span class=\"__9 _356\"> </span>2021, mn euro Personal Banking<span class=\"__9 _356\"> </span>Business Banking<span class=\"__9 _356\"> </span>Large Corporates &amp; Institutions<span class=\"__9 _356\"> </span>Asset &amp; Wealth Management<span class=\"__9 _a5_2\"> </span>Group Finance<span class=\"__9 _356\"> </span>\u00d6vrigt &amp; elimineringar<span class=\"__9 _356\"> </span>Nordea <span class=\"__9 _c_8\"/> Group<span class=\"__9 _356\"> </span>Provisioner fr<span class=\"__9 _413\"/>\u00e5n kapitalf\u00f6rvaltning<span class=\"__9 _a6_2\"> </span>605<span class=\"__9 _397\"> </span>98<span class=\"__9 _4e_1\"> </span>4<span class=\"__9 _358\"> </span>1 138<span class=\"__9 _a8_2\"> </span>0<span class=\"__9 _4e_1\"> </span>0<span class=\"__9 _381\"> </span>1 845<span class=\"__9 _356\"> </span>Provisioner fr<span class=\"__9 _413\"/>\u00e5n liv<span class=\"__9 _a_8\"/>f\u00f6rs\u00e4kring och pensioner<span class=\"__9 _7b_1\"> </span>227<span class=\"__9 _397\"> </span>85<span class=\"__9 _4f_1\"> </span>4<span class=\"__9 _382\"> </span><span class=\"ls4_8 ws7_8\">-43<span class=\"__9 _4d_1\"> </span></span>0<span class=\"__9 _4e_1\"> </span>0<span class=\"__9 _370\"> </span>27<span class=\"__9 _a_8\"/>3<span class=\"__9 _356\"> </span>Inl\u00e5ningsprodukt<span class=\"__9 _348\"/>er<span class=\"__9 _9d_1\"> </span>7<span class=\"__9 _4f_1\"> </span><span class=\"ls3_8 ws6_8\">17<span class=\"__9 _390\"> </span></span>1<span class=\"__9 _4d_1\"> </span>0<span class=\"__9 _4d_1\"> </span>0<span class=\"__9 _4e_1\"> </span>0<span class=\"__9 _369\"> </span><span class=\"lsc_8 wse_8\">25<span class=\"__9 _356\"> </span></span>Courtage, v\u00e4rdepappersemissioner och f\u00f6retags\ufb01nansiering<span class=\"__9 _444\"> </span><span class=\"ls0_9 ws0_9\">18<span class=\"__9 _397\"> </span>58<span class=\"__9 _372\"> </span>180<span class=\"__9 _373\"> </span>34<span class=\"__9 _390\"> </span></span>-1<span class=\"__9 _2f_3\"> </span><span class=\"ls2_8 ws5_8\">-20<span class=\"__9 _394\"> </span><span class=\"ls0_9 ws0_9\">269<span class=\"__9 _356\"> </span></span></span>Dep\u00e5- och emissionstj\u00e4ns<span class=\"__9 _348\"/>ter<span class=\"__9 _412\"> </span><span class=\"ls0_9\">4<span class=\"__9 _aa_1\"> </span>5<span class=\"__9 _369\"> </span>22<span class=\"__9 _a8_2\"> </span>3<span class=\"__9 _b0_1\"> </span>-9<span class=\"__9 _369\"> </span>10<span class=\"__9 _369\"> </span>35<span class=\"__9 _356\"> </span></span>Betalningar <span class=\"__9 _a2_1\"> </span><span class=\"ls0_9 ws0_9\">15<span class=\"__9 _5f_1\"> </span></span>151<span class=\"__9 _5f_1\"> </span><span class=\"ls0_9 ws0_9\">75<span class=\"__9 _a7_2\"> </span>1<span class=\"__9 _a8_2\"> </span>0<span class=\"__9 _5f_1\"> </span>-6<span class=\"__9 _372\"> </span>236<span class=\"__9 _356\"> </span></span>Kor<span class=\"__9 _a_8\"/>t<span class=\"__9 _ae_2\"> </span><span class=\"ls0_9 ws0_9\">203<span class=\"__9 _397\"> </span>40<span class=\"__9 _4e_1\"> </span>6<span class=\"__9 _ad_1\"> </span>1<span class=\"__9 _4d_1\"> </span>0<span class=\"__9 _4e_1\"> </span>0<span class=\"__9 _394\"> </span>250<span class=\"__9 _356\"> </span></span>Utl\u00e5ningsprodukt<span class=\"__9 _348\"/>er<span class=\"__9 _445\"> </span><span class=\"ls0_9 ws0_9\">125<span class=\"__9 _382\"> </span>156<span class=\"__9 _370\"> </span>193<span class=\"__9 _a8_2\"> </span>5<span class=\"__9 _ad_1\"> </span>1<span class=\"__9 _ab_1\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _372\"> </span></span>478<span class=\"__9 _356\"> </span></span>Garantier och dok<span class=\"__9 _413\"/>umentbetalningar<span class=\"__9 _af_2\"> </span>9<span class=\"__9 _4e_1\"> </span>27<span class=\"__9 _368\"> </span><span class=\"ls6_8 ws9_8\">64<span class=\"__9 _4d_1\"> </span></span>0<span class=\"__9 _aa_1\"> </span>2<span class=\"__9 _4e_1\"> </span>0<span class=\"__9 _370\"> </span>102<span class=\"__9 _356\"> </span>\u00d6vrigt<span class=\"__9 _b3_1\"> </span>10<span class=\"__9 _4d_1\"> </span>6<span class=\"__9 _6a_1\"> </span><span class=\"ls5_8 ws8_8\">-7<span class=\"__9 _396\"> </span><span class=\"ls2_8 ws5_8\">-27<span class=\"__9 _a9_2\"> </span></span></span>-3<span class=\"__9 _4f_1\"> </span>3<span class=\"__9 _2e_3\"> </span><span class=\"ls3_8 ws6_8\">-18<span class=\"__9 _356\"> </span></span>Summa<span class=\"__9 _b4_1\"> </span>1 223<span class=\"__9 _1c_5\"> </span><span class=\"ls4_8 ws7_8\">643<span class=\"__9 _b5_2\"> </span></span>542<span class=\"__9 _1d_5\"> </span>1 112<span class=\"__9 _5f_1\"> </span><span class=\"ls3_8 ws6_8\">-10<span class=\"__9 _2e_3\"> </span>-15<span class=\"__9 _380\"> </span></span>3 495<span class=\"__9 _356\"> </span>K2.4 <span class=\"__9 _b6_2\"> </span> <span class=\"__9 _b7_2\"/>Summa nettoresul<span class=\"__9 _413\"/>tat a<span class=\"__9 _413\"/>v poster till v<span class=\"__9 _413\"/>erkligt v\u00e4rde<span class=\"__9 _356\"> </span>Redovsningsprinciper<span class=\"__9 _356\"> </span> Nettoresul<span class=\"__9 _413\"/>tat av post<span class=\"__9 _413\"/>er till verkligt v\u00e4rde<span class=\"__9 _356\"> </span>Realiserade och or<span class=\"__9 _413\"/>ealiserade vinster och f<span class=\"__9 _348\"/>\u00f6rluster p\u00e5 \ufb01nansiella<span class=\"__9 _356\"> </span> instrument och f<span class=\"__9 _413\"/>\u00f6rvaltningsfastighet<span class=\"__9 _413\"/>er v\u00e4rderade till verkligt<span class=\"__9 _356\"> </span> v\u00e4rde r<span class=\"__9 _348\"/>edovisas normalt under \u201dNettor<span class=\"__9 _413\"/>esultat av pos<span class=\"__9 _413\"/>ter till verkligt<span class=\"__9 _a_8\"/> v\u00e4rde\u201d<span class=\"__9 _357\"/>. F\u00f6r in<span class=\"__9 _413\"/>formation om de redovisningsprinciper som an<span class=\"__9 _413\"/>v\u00e4nds<span class=\"__9 _a_8\"/> vid ber\u00e4kning a<span class=\"__9 _413\"/>v verkligt v\u00e4rde, se not K3.4 \u201dV<span class=\"__9 _413\"/>erkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span> Dessutom ing\u00e5r f<span class=\"__9 _348\"/>\u00f6ljande poster i \u201dNettor<span class=\"__9 _413\"/>esultat av pos<span class=\"__9 _413\"/>ter till<span class=\"__9 _356\"> </span> verkligt v\u00e4r<span class=\"__9 _348\"/>de\u201d:<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter och r\u00e4n<span class=\"__9 _413\"/>tekostnader<span class=\"__9 _413\"/>, h\u00e4nf<span class=\"__9 _413\"/>\u00f6rliga till \ufb01nansierin<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span></span>gen av v<span class=\"__9 _413\"/>erksamheten inom Markets och Life &amp; Pension (sam<span class=\"__9 _413\"/>t<span class=\"__9 _356\"> </span> en portf\u00f6lj med r\u00e4n<span class=\"__9 _413\"/>teb\u00e4rande v\u00e4rdepapper i Lif<span class=\"__9 _413\"/>e &amp; Pension)<span class=\"__9 _356\"> </span> v\u00e4rder<span class=\"__9 _413\"/><span class=\"__9 _356\">ade till upplupet anskaffningsv\u00e4rde.<span class=\"__9 _356\"> </span></span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">Realiserade vins<span class=\"__9 _413\"/>ter/f\u00f6rl<span class=\"__9 _348\"/>uster p\u00e5 tillg\u00e5ngar och sk<span class=\"__9 _348\"/>ulder<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>v\u00e4rder<span class=\"__9 _413\"/><span class=\"__9 _356\">ade till upplupet anskaffningsv\u00e4rde.<span class=\"__9 _356\"> </span></span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\"> Omv\u00e4r<span class=\"__9 _348\"/>deringen av s\u00e4kr<span class=\"__9 _413\"/>ade risker i s\u00e4krade poster i<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>s\u00e4kringsredovisningen.<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span>V<span class=\"__9 _413\"/>alutakursf\u00f6r<span class=\"__9 _413\"/>\u00e4ndringar<span class=\"__9 _356\"> </span> \u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">F\u00f6r<span class=\"__9 _413\"/>\u00e4ndringar i skulder till f\u00f6rs\u00e4kringstagare och riskr<span class=\"__9 _348\"/>esultat<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>fr\u00e5n f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsavtal inom Life &amp; P<span class=\"__9 _413\"/>ension redovisas enligt<span class=\"__9 _356\"> </span> IFRS 4 (se ytterligare in<span class=\"__9 _413\"/>formation nedan).<span class=\"__9 _356\"> </span>F\u00f6ljande pos<span class=\"__9 _413\"/>ter ing\u00e5r inte i \u201dNettoresul<span class=\"__9 _348\"/>tat a<span class=\"__9 _413\"/>v poster till verkligt<span class=\"__9 _356\"> </span> v\u00e4rde\u201d:<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">R\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat som an<span class=\"__9 _413\"/>v\u00e4nds f\u00f6r s\u00e4kringsredo<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span></span>visning och ekonomiska s\u00e4kringar<span class=\"__9 _413\"/>. Dessa komponen<span class=\"__9 _348\"/>ter<span class=\"__9 _356\"> </span> redovisas under \u201dR\u00e4n<span class=\"__9 _413\"/>tenetto\u201d f\u00f6r att s\u00e4k<span class=\"__9 _348\"/>erst\u00e4lla redovis<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>ningsm\u00e4ssig \u00f6verenss<span class=\"__9 _413\"/>t\u00e4mmelse med de s\u00e4krade posterna.<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">F\u00f6rlus<span class=\"__9 _413\"/>ter fr\u00e5n motpartsrisk p\u00e5 utl\u00e5ning i portf\u00f6ljer som h\u00e5lls<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>till f\u00f6rf<span class=\"__9 _348\"/>all och obligatorisk<span class=\"__9 _413\"/>t v\u00e4rderas till verkligt v<span class=\"__9 _348\"/>\u00e4rde (uppf<span class=\"__9 _413\"/><span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>yller inte krit<span class=\"__9 _413\"/>eriet att kassafl\u00f6det enbart ska utg\u00f6ras av bet<span class=\"__9 _348\"/>al<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>ning av kapit<span class=\"__9 _348\"/>albelopp och r\u00e4n<span class=\"__9 _348\"/>ta) redovisas under den separ<span class=\"__9 _413\"/>at<span class=\"__9 _356\"> </span> posten \u201dNettor<span class=\"__9 _413\"/>esultat av utl\u00e5ning i portf<span class=\"__9 _348\"/>\u00f6ljer som h\u00e5lls till f\u00f6r<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>fall och obliga<span class=\"__9 _348\"/>toriskt v<span class=\"__9 _413\"/>\u00e4rderas till verkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Int\u00e4k<span class=\"__9 _413\"/>tsredovisningen och beteckningarna f\u00f6r de pos<span class=\"__9 _413\"/>ter som<span class=\"__9 _356\"> </span> avser livf<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsverksamheten beskrivs under \u201dInt\u00e4k<span class=\"__9 _413\"/>tsredo<span class=\"__9 _a_8\"/>-<span class=\"__9 _356\"> </span>visning livf\u00f6rs\u00e4kring\u201d nedan.<span class=\"__9 _356\"> </span>F\u00f6r fler r<span class=\"__9 _413\"/>edovisningsprinciper avseende valut<span class=\"__9 _348\"/>akursf\u00f6r<span class=\"__9 _413\"/>\u00e4nd-<span class=\"__9 _356\"> </span>ringar<span class=\"__9 _413\"/>, se not K1 \u201dRedovisningsprinciper\u201d och not K9.2 \u201dV<span class=\"__9 _413\"/>aluta-<span class=\"__9 _356\"> </span>omr\u00e4kning a<span class=\"__9 _413\"/>v utl\u00e4ndska f\u00f6retag/\ufb01lialer<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>Nettoresul<span class=\"__9 _413\"/>tat av utl\u00e5ning i portf<span class=\"__9 _348\"/>\u00f6ljer som h\u00e5lls till<span class=\"__9 _356\"> </span> f\u00f6rf<span class=\"__9 _413\"/>all och obligatoriskt v\u00e4r<span class=\"__9 _413\"/>deras till verkligt v\u00e4rde<span class=\"__9 _356\"> </span>Post<span class=\"__9 _413\"/>en \u201dNettoresultat a<span class=\"__9 _413\"/>v utl\u00e5ning i por<span class=\"__9 _a_8\"/>tf\u00f6ljer som h\u00e5lls till f<span class=\"__9 _413\"/>\u00f6r-<span class=\"__9 _356\"> </span>fall och obliga<span class=\"__9 _348\"/>toriskt v<span class=\"__9 _413\"/>\u00e4rderas till verkligt v\u00e4rde\u201d inkl<span class=\"__9 _413\"/>uderar jus-<span class=\"__9 _356\"> </span>teringar till verkligt v\u00e4r<span class=\"__9 _413\"/>de av marginalkomponen<span class=\"__9 _413\"/>ten f\u00f6r l\u00e5ne-<span class=\"__9 _356\"> </span>for<span class=\"__9 _348\"/>dringar i portf\u00f6ljer d\u00e4r a<span class=\"__9 _413\"/>vsikten \u00e4r att beh\u00e5lla instrumen<span class=\"__9 _413\"/>ten<span class=\"__9 _356\"> </span> till f\u00f6rf<span class=\"__9 _348\"/>all och d\u00e4r dessa m\u00e5ste v<span class=\"__9 _413\"/>\u00e4rderas till verkligt v\u00e4rde (upp-<span class=\"__9 _356\"> </span>fyller inte SPPI-krit<span class=\"__9 _413\"/>eriet). L\u00e5nefordringarna klassi\ufb01cer<span class=\"__9 _348\"/>as i kate-<span class=\"__9 _356\"> </span>gorin \u201dFinansiella tillg\u00e5ngar v\u00e4rder<span class=\"__9 _413\"/>ade till verkligt v\u00e4rde via<span class=\"__9 _356\"> </span> resulta<span class=\"__9 _413\"/>tr\u00e4kningen\u201d och redovisas under posten \u201dUtl\u00e5ning till<span class=\"__9 _356\"> </span> allm\u00e4nheten\u201d i balansr\u00e4kningen. Jus<span class=\"__9 _348\"/>teringar till verkligt v\u00e4r<span class=\"__9 _413\"/>de<span class=\"__9 _356\"> </span> avser f<span class=\"__9 _413\"/>r\u00e4mst f\u00f6r<span class=\"__9 _413\"/>\u00e4ndringar i kreditrisk.<span class=\"__9 _356\"> </span>F\u00f6rlus<span class=\"__9 _413\"/>ter fr\u00e5n motpartsrisk i instrumen<span class=\"__9 _413\"/>t som klassi\ufb01cerats i<span class=\"__9 _356\"> </span> kategorin \u201dFinansiella tillg\u00e5ngar v<span class=\"__9 _413\"/>\u00e4rderade till verkligt v\u00e4rde<span class=\"__9 _356\"> </span>112<span class=\"__9 _356\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__9 _356\"> </span>Inledning<span class=\"__9 _347\"> </span><span class=\"__9 _356\">Aff</span><span class=\"__9 _348\"/>\u00e4rsomr\u00e5den<span class=\"__9 _349\"/><span class=\"ws0_9\">V<span class=\"__9 _413\"/>\u00e5ra intressent<span class=\"__9 _413\"/>er<span class=\"__9 _424\"> </span><span class=\"ff1_9\">Finansiella rapporter<span class=\"__9 _351\"/><span class=\"ff2_9 ws2_8\">F\u00f6rvaltningsber<span class=\"__9 _348\"/>\u00e4ttelse<span class=\"__9 _352\"> </span>H\u00e5llbarhetsnoter<span class=\"__9 _353\"> </span>\u00d6vrigt<span class=\"__9 _354\"/><span class=\"ws0_9\">Strategisk r<span class=\"__9 _348\"/>apport<span class=\"__9 _356\"> </span></span></span></span></span>via resulta<span class=\"__9 _413\"/>tr\u00e4kningen\u201d redovisas under \u201dNettoresul<span class=\"__9 _348\"/>tat a<span class=\"__9 _413\"/>v poste<span class=\"__9 _356\"> </span>r<span class=\"__9 _356\"> </span> till verkligt v\u00e4r<span class=\"__9 _348\"/>de\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Nedskrivningar avseende ins<span class=\"__9 _413\"/>trument i andra kategorier \u00e4n<span class=\"__9 _356\"> </span> \u201dFinansiella tillg\u00e5ngar v\u00e4rder<span class=\"__9 _413\"/>ade till verkligt v\u00e4rde via resulta<span class=\"__9 _413\"/>t-<span class=\"__9 _356\"> </span>r\u00e4kningen\u201d redo<span class=\"__9 _348\"/>visas under posten \u201dKreditf<span class=\"__9 _413\"/>\u00f6rluster<span class=\"__9 _413\"/>, netto\u201d<span class=\"__9 _357\"/>. F\u00f6r<span class=\"__9 _356\"> </span> ytterligare in<span class=\"__9 _348\"/>forma<span class=\"__9 _413\"/>tion, se not K2.9 \u201dKreditf\u00f6rlus<span class=\"__9 _413\"/>ter<span class=\"__9 _425\"/>\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__9 _413\"/>ttningar<span class=\"__9 _356\"> </span>Os\u00e4kerhet i uppskattningar \ufb01nns i samband med v<span class=\"__9 _413\"/>\u00e4rdering av<span class=\"__9 _356\"> </span> \ufb01nansiella instrument, fr<span class=\"__9 _348\"/>amf<span class=\"__9 _413\"/>\u00f6r allt f\u00f6r instrumen<span class=\"__9 _413\"/>t som saknar<span class=\"__9 _356\"> </span> noter<span class=\"__9 _348\"/>ade kurser och nyligen observerade marknadsk<span class=\"__9 _413\"/>ur<span class=\"__9 _a_8\"/>ser<span class=\"__9 _356\"> </span> <span class=\"__9 _356\">(instrument i niv</span><span class=\"__9 _413\"/>\u00e5 3). Se not K3.4 \u201dV<span class=\"__9 _348\"/>erkligt v\u00e4rde\u201d<span class=\"__9 _356\"> </span><span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Summa nettoresul<span class=\"__9 _413\"/>tat av post<span class=\"__9 _348\"/>er till verkligt v\u00e4r<span class=\"__9 _348\"/>de<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _b8_1\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Nettoresulta<span class=\"__9 _413\"/>t av poster till verkligt v\u00e4r<span class=\"__9 _413\"/>de<span class=\"__9 _b9_2\"> </span>721<span class=\"__9 _2b_3\"> </span>1 119<span class=\"__9 _356\"> </span>Nettoresulta<span class=\"__9 _413\"/>t av utl\u00e5ning i portf\u00f6ljer som h\u00e5lls till<span class=\"__9 _356\"> </span> f\u00f6rfall och obliga<span class=\"__9 _413\"/>toriskt v\u00e4rderas till v<span class=\"__9 _348\"/>erkligt v\u00e4rde<span class=\"__9 _365\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _a_8\"/>3<span class=\"__9 _375\"> </span></span>83<span class=\"__9 _356\"> </span>Summa<span class=\"__9 _350\"> </span>708<span class=\"__9 _360\"> </span>1 202<span class=\"__9 _356\"> </span>F\u00f6r<span class=\"__9 _413\"/>delning efter produkt<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _b8_1\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Aktierela<span class=\"__9 _413\"/><span class=\"__9 _356\">terade instrument1</span><span class=\"__9 _ba_2\"> </span>431<span class=\"__9 _381\"> </span><span class=\"ls3_8 ws6_8\">570<span class=\"__9 _356\"> </span></span>R\u00e4nterela<span class=\"__9 _413\"/>terade instrument och<span class=\"__9 _356\"> </span> valutakursf<span class=\"__9 _413\"/><span class=\"__9 _356\">\u00f6r\u00e4ndringar2</span><span class=\"__9 _bb_2\"> </span><span class=\"ls2_8 ws5_8\">248<span class=\"__9 _381\"> </span></span>478<span class=\"__9 _356\"> </span>\u00d6vriga \ufb01nansiella instrument (inklusiv<span class=\"__9 _413\"/>e krediter<span class=\"__9 _356\"> </span> och r\u00e5<span class=\"__9 _348\"/>varor)<span class=\"__9 _bc_1\"> </span>-32<span class=\"__9 _387\"> </span><span class=\"ls3_8 ws6_8\">57<span class=\"__9 _356\"> </span></span>Nordea Life &amp; P<span class=\"__9 _413\"/><span class=\"__9 _356\">ension3<span class=\"__9 _356\"> </span></span>,<span class=\"__9 _356\"> </span><span class=\"__9 _356\">4</span><span class=\"__9 _bd_2\"> </span>61<span class=\"__9 _387\"> </span><span class=\"ls11_7 ws14_8\">97<span class=\"__9 _356\"> </span></span>Summa<span class=\"__9 _350\"> </span>708<span class=\"__9 _360\"> </span>1 202<span class=\"__9 _356\"> </span>1) Inkluderar f\u00f6rl<span class=\"__9 _348\"/>uster p\u00e5 8 mn euro fr<span class=\"__9 _413\"/>\u00e5n fondinnehav i Ryssland under 2022.<span class=\"__9 _356\"> </span>2) Inkluderar f\u00f6rl<span class=\"__9 _348\"/>ust fr\u00e5n \u00f6<span class=\"__9 _348\"/>verf\u00f6ringen a<span class=\"__9 _348\"/>v 529 mn euro i ackumulerade val<span class=\"__9 _348\"/>utakursf\u00f6rlus<span class=\"__9 _413\"/>ter<span class=\"__9 _356\"> </span> avseende verksamhet i R<span class=\"__9 _348\"/>yssland under 2022.<span class=\"__9 _356\"> </span>3)  <span class=\"__9 _c_8\"/>Interna transak<span class=\"__9 _348\"/>tioner har ej eliminerats mot andr<span class=\"__9 _348\"/>a rader i noten. Raden Nordea Lif<span class=\"__9 _413\"/>e &amp;<span class=\"__9 _356\"> </span> <span class=\"__9 _356\">Pension ger s\u00e5ledes den verkliga eff</span><span class=\"__9 _413\"/>ekten fr\u00e5n livf\u00f6rs\u00e4kringsverksamheten.<span class=\"__9 _356\"> </span> 4)   <span class=\"__9 _c_8\"/>Premieint\u00e4kter uppgick till 194 mn eur<span class=\"__9 _413\"/>o (306 mn euro).<span class=\"__9 _356\"> </span>Nettoresul<span class=\"__9 _413\"/>tat fr\u00e5n ka<span class=\"__9 _348\"/>tegorier a<span class=\"__9 _413\"/>v \ufb01nansiella instrument<span class=\"__9 _356\"> </span> Mn euro<span class=\"__9 _be_2\"> </span>2022<span class=\"__9 _e_8\"> </span>2021<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade till v<span class=\"__9 _413\"/>erkligt v\u00e4rde via<span class=\"__9 _356\"> </span> \u00f6vrigt totalr<span class=\"__9 _413\"/>esultat<span class=\"__9 _356\"> </span>-1 508<span class=\"__9 _5b_1\"> </span>-331<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar redan fr\u00e5n b\u00f6rjan v<span class=\"__9 _413\"/>\u00e4rderade<span class=\"__9 _356\"> </span> till verkligt v\u00e4rde via r<span class=\"__9 _413\"/>esultatr\u00e4kningen<span class=\"__9 _420\"> </span><span class=\"ls2_8 ws5_8\">-245<span class=\"__9 _383\"> </span><span class=\"ls4_8 ws7_8\">-4<span class=\"__9 _356\"> </span></span></span>Finansiella skulder redan fr<span class=\"__9 _413\"/>\u00e5n b\u00f6rjan v\u00e4rderade till<span class=\"__9 _356\"> </span> verkligt v\u00e4rde via r<span class=\"__9 _413\"/>esultatr\u00e4kningen<span class=\"__9 _356\"> </span>11 643<span class=\"__9 _bf_2\"> </span>-5 179<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar och skulder obligatorisk<span class=\"__9 _413\"/>t<span class=\"__9 _356\"> </span> v\u00e4rderade till v<span class=\"__9 _413\"/>erkligt v\u00e4rde via resultatr<span class=\"__9 _348\"/><span class=\"__9 _356\">\u00e4kningen1</span><span class=\"__9 _353\"> </span>-<span class=\"__9 _413\"/>16 97<span class=\"__9 _a_8\"/>3<span class=\"__9 _c0_2\"> </span>6 726<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade till uppl<span class=\"__9 _413\"/>upet<span class=\"__9 _356\"> </span> anskaffningsv\u00e4r<span class=\"__9 _413\"/><span class=\"__9 _356\">de2</span><span class=\"__9 _c1_1\"> </span>-1 941<span class=\"__9 _385\"> </span>-<span class=\"__9 _a_8\"/>403<span class=\"__9 _356\"> </span>Finansiella skulder v\u00e4rder<span class=\"__9 _413\"/>ade till upplupet<span class=\"__9 _356\"> </span> anskaffningsv\u00e4r<span class=\"__9 _413\"/><span class=\"__9 _356\">de3</span><span class=\"__9 _404\"> </span>7 546<span class=\"__9 _c2_2\"> </span>1 947<span class=\"__9 _356\"> </span>V<span class=\"__9 _413\"/>alutakursf\u00f6r\u00e4ndringar<span class=\"__9 _413\"/>, exklusiv<span class=\"__9 _348\"/>e valutas\u00e4kringar<span class=\"__9 _379\"> </span>483<span class=\"__9 _362\"> </span>208<span class=\"__9 _356\"> </span><span class=\"__9 _356\">Icke finansiella tillg\u00e5ngar och skulder4</span><span class=\"__9 _c3_1\"> </span>1 703<span class=\"__9 _bf_2\"> </span><span class=\"ls3_8 ws6_8\">-1 76<span class=\"__9 _a_8\"/>2<span class=\"__9 _356\"> </span></span>Summa<span class=\"__9 _c4_1\"> </span>708<span class=\"__9 _c2_2\"> </span>1 202<span class=\"__9 _356\"> </span>1)   <span class=\"__9 _c_8\"/>Var<span class=\"__9 _348\"/>av periodiserade dag 1<span class=\"__9 _413\"/>-resultat uppg\u00e5r till 51 mn euro (54 mn euro<span class=\"__9 _348\"/>).<span class=\"__9 _356\"> </span>2)   <span class=\"__9 _c5_2\"/>Posten innef<span class=\"__9 _413\"/>attar vinster till f\u00f6ljd a<span class=\"__9 _348\"/>v bortbokning av \ufb01nansiella tillg\u00e5ngar v\u00e4rder<span class=\"__9 _348\"/>ade till<span class=\"__9 _356\"> </span> <span class=\"__9 _356\">upplupet anskaffningsv\u00e4r</span><span class=\"__9 _413\"/><span class=\"__9 _356\">de p\u00e5 mostsvarande 3 mn euro (9 mn euro) och f</span><span class=\"__9 _348\"/>\u00f6rluster p\u00e5<span class=\"__9 _356\"> </span> <span class=\"__9 _356\">motsvarande -4 mn euro (0 mn euro</span><span class=\"__9 _413\"/>). Bor<span class=\"__9 _a_8\"/>tbokningen gjordes eftersom tillg\u00e5ngarna<span class=\"__9 _356\"> </span> hade f\u00f6rutbetalts a<span class=\"__9 _413\"/>v kunden eller s\u00e5lts. Posten innef<span class=\"__9 _348\"/>attar \u00e4v<span class=\"__9 _413\"/>en f\u00f6r\u00e4ndringar i verkligt<span class=\"__9 _356\"> </span> v\u00e4rde p\u00e5 r\u00e4n<span class=\"__9 _413\"/><span class=\"__9 _356\">tes\u00e4krade tillg\u00e5ngar v\u00e4rderade till upplupet anskaffningsv</span><span class=\"__9 _413\"/>\u00e4rde p\u00e5 motsva<span class=\"__9 _356\"> </span>-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">rande -2 052 mn euro (-552 mn euro</span><span class=\"__9 _413\"/>) och r\u00e4nta p\u00e5 instrument som v\u00e4r<span class=\"__9 _348\"/>derats till upplu<span class=\"ls0_9\">-<span class=\"__9 _356\"> </span></span><span class=\"__9 _356\">pet anskaffningsv\u00e4rde i Lif</span><span class=\"__9 _413\"/><span class=\"__9 _356\">e &amp; Pension p\u00e5 motsvarande 112 mn euro (110 mn eur</span><span class=\"__9 _348\"/>o).<span class=\"__9 _356\"> </span>3)   <span class=\"__9 _c_8\"/>Posten innefa<span class=\"__9 _413\"/>ttar huvudsakligen f\u00f6r\u00e4ndringar i verkligt v\u00e4rde p\u00e5 r\u00e4n<span class=\"__9 _413\"/>tes\u00e4krade skul<span class=\"__9 _356\"> </span>-<span class=\"__9 _356\"> </span>der v\u00e4rderade till upplupet anska<span class=\"__9 _413\"/><span class=\"__9 _356\">ffningsv\u00e4rde p\u00e5 motsvarande 7 598 mn euro<span class=\"__9 _356\"> </span></span> <span class=\"__9 _356\">(1 966 mn euro).<span class=\"__9 _356\"> </span></span>4)   <span class=\"__9 _c_8\"/>Posten innefa<span class=\"__9 _413\"/>ttar huvudsakligen f\u00f6r\u00e4ndringar i f\u00f6rs\u00e4kringstekniska a<span class=\"__9 _413\"/>vs\u00e4ttningar i<span class=\"__9 _356\"> </span> Life &amp; Pension p\u00e5 mos<span class=\"__9 _413\"/>tsvarande 1 317 mn euro (-1 004 mn euro) och f<span class=\"__9 _413\"/>\u00f6r\u00e4ndring av<span class=\"__9 _356\"> </span> \u00e5terb\u00e4ringsmedel i Life &amp; P<span class=\"__9 _413\"/>ension p\u00e5 motsvarande 306 mn euro (-1 061 mn euro)<span class=\"__9 _356\"> </span>.<span class=\"__9 _356\"> </span>Int\u00e4k<span class=\"__9 _413\"/>tsredovisning livf\u00f6rs\u00e4kring<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _b8_1\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Aktierela<span class=\"__9 _413\"/>terade instrument<span class=\"__9 _c6_1\"> </span>-1 422<span class=\"__9 _1e_5\"> </span><span class=\"ls2_8 ws5_8\">1<span class=\"__9 _a_8\"/> 7<span class=\"__9 _a_8\"/>24<span class=\"__9 _356\"> </span></span>R\u00e4nterela<span class=\"__9 _413\"/>terade instrument och<span class=\"__9 _356\"> </span> valutakursf<span class=\"__9 _413\"/>\u00f6r\u00e4ndringar<span class=\"__9 _436\"> </span>-461<span class=\"__9 _367\"> </span><span class=\"ls2_8 ws5_8\">-29<span class=\"__9 _356\"> </span></span>F\u00f6rvaltningsf<span class=\"__9 _413\"/>astigheter <span class=\"__9 _4b_1\"> </span>-41<span class=\"__9 _381\"> </span>198<span class=\"__9 _356\"> </span>F\u00f6r\u00e4ndring a<span class=\"__9 _413\"/>v f\u00f6rs\u00e4kringstekniska a<span class=\"__9 _413\"/>vs\u00e4ttningar<span class=\"__9 _367\"> </span>1 562<span class=\"__9 _379\"> </span>-863<span class=\"__9 _356\"> </span>F\u00f6r\u00e4ndring a<span class=\"__9 _413\"/>v \u00e5terb\u00e4ringsmedel<span class=\"__9 _c7_1\"> </span>372<span class=\"__9 _5a_1\"> </span>-987<span class=\"__9 _356\"> </span>Int\u00e4k<span class=\"__9 _413\"/>ter f\u00f6rs\u00e4kringsrisk<span class=\"__9 _435\"> </span>80<span class=\"__9 _387\"> </span><span class=\"ls13_7 ws15_8\">73<span class=\"__9 _356\"> </span></span>Kostnader f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsrisk<span class=\"__9 _c8_2\"> </span><span class=\"ls2_8 ws5_8\">-29<span class=\"__9 _364\"> </span><span class=\"ls3_8 ws6_8\">-19<span class=\"__9 _356\"> </span></span></span>Summa<span class=\"__9 _c9_2\"> </span>61<span class=\"__9 _375\"> </span><span class=\"ls14_7 ws16_8\">97<span class=\"__9 _356\"> </span></span>Int\u00e4k<span class=\"__9 _413\"/>terna fr\u00e5n livf\u00f6rs\u00e4kringsverksamhet<span class=\"__9 _348\"/>en utg\u00f6rs huvudsakli-<span class=\"__9 _356\"> </span>gen av:<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span>kostnadsre<span class=\"__9 _348\"/>sultat<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">resulta<span class=\"__9 _413\"/>t fr\u00e5n f\u00f6rs\u00e4kringsrisk<span class=\"__9 _356\"> </span></span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">vinstdelning p\u00e5 risk<span class=\"__9 _413\"/>- och avkastningsresul<span class=\"__9 _413\"/>tat<span class=\"__9 _356\"> </span></span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">avkas<span class=\"__9 _413\"/>tning p\u00e5 ytterligare kapital i<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>livf\u00f6rs\u00e4kringsverksamheten.<span class=\"__9 _356\"> </span>Resulta<span class=\"__9 _413\"/>t fr\u00e5n dessa komponent<span class=\"__9 _413\"/>er, med undan<span class=\"__9 _413\"/>tag f\u00f6r kostnads-<span class=\"__9 _356\"> </span>resulta<span class=\"__9 _413\"/>t och vinstdelning p\u00e5 risk- och a<span class=\"__9 _413\"/>vkastningsresultat f<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _356\"> </span> fondf<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsavtal och \ufb01nansiella avt<span class=\"__9 _348\"/>al, ing\u00e5r i \u201dNettoresulta<span class=\"__9 _413\"/>t<span class=\"__9 _356\"> </span> av pos<span class=\"__9 _413\"/>ter till verkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Kostnadsr<span class=\"__9 _413\"/>esultatet utg\u00f6rs a<span class=\"__9 _348\"/>v ett av<span class=\"__9 _413\"/>giftsuttag fr\u00e5n f\u00f6rs\u00e4k<span class=\"__9 _413\"/>-<span class=\"__9 _356\"> </span>ringstagarna och ing\u00e5r i post<span class=\"__9 _413\"/>en \u201d<span class=\"__9 _413\"/>A<span class=\"__9 _413\"/>vgifts- och provisionsin<span class=\"__9 _413\"/>t\u00e4k-<span class=\"__9 _356\"> </span>ter<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _357\"/>, tillsammans med vinstdelningen p\u00e5 risk- och a<span class=\"__9 _413\"/>vkastnings-<span class=\"__9 _356\"> </span>resulta<span class=\"__9 _413\"/>t f\u00f6r fondf<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>s\u00e4kringsa<span class=\"__9 _348\"/>vtal och \ufb01nansiella avt<span class=\"__9 _413\"/>al<span class=\"__9 _a_8\"/>. Motsva<span class=\"__9 _413\"/>-<span class=\"__9 _356\"> </span>rande kos<span class=\"__9 _348\"/>tnader ing\u00e5r i posterna \u201d<span class=\"__9 _357\"/>A<span class=\"__9 _413\"/>vgifts- och<span class=\"__9 _356\"> </span> provisionskos<span class=\"__9 _413\"/>tnader<span class=\"__9 _425\"/>\u201d och \u201dR\u00f6relsek<span class=\"__9 _348\"/>ostnader<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _357\"/>. F\u00f6rs\u00e4kringstaga-<span class=\"__9 _356\"> </span>rens andel a<span class=\"__9 _413\"/>v ett positivt eller negativt kostnadsresulta<span class=\"__9 _413\"/>t (vinst-<span class=\"__9 _356\"> </span>delning) ing\u00e5r i posten \u201dF<span class=\"__9 _413\"/>\u00f6r\u00e4ndring av f<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>s\u00e4kringstekniska<span class=\"__9 _356\"> </span> avs\u00e4<span class=\"__9 _413\"/>ttningar<span class=\"__9 _425\"/>\u201d i tabellen ovan.<span class=\"__9 _356\"> </span>Resulta<span class=\"__9 _413\"/>tet av f<span class=\"__9 _348\"/>\u00f6rs\u00e4kringsrisker utg\u00f6rs av in<span class=\"__9 _413\"/>t\u00e4kter fr<span class=\"__9 _413\"/>\u00e5n enskil-<span class=\"__9 _356\"> </span>da riskprodukt<span class=\"__9 _413\"/>er och fr\u00e5n f\u00f6rs\u00e4kringsdelen i enskilda livf\u00f6rs\u00e4k<span class=\"__9 _413\"/>-<span class=\"__9 _356\"> </span>ringsavtal <span class=\"__9 _348\"/>samt sjuk<span class=\"__9 _413\"/>- och olycksfallsf<span class=\"__9 _413\"/>\u00f6rs\u00e4kringar. Riskpr<span class=\"__9 _413\"/>emierna<span class=\"__9 _356\"> </span> f\u00f6r<span class=\"__9 _348\"/>delas \u00f6ver f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsperioden och avs\u00e4ttningarna minskar i<span class=\"__9 _356\"> </span> takt med a<span class=\"__9 _413\"/>tt f\u00f6rs\u00e4kringsrisken avtar<span class=\"__9 _357\"/>. En stor del av riskr<span class=\"__9 _413\"/>esulta-<span class=\"__9 _356\"> </span>tet fr\u00e5n tr<span class=\"__9 _413\"/>aditionella liv<span class=\"__9 _a_8\"/>f\u00f6rs\u00e4kringsa<span class=\"__9 _413\"/>vtal omfa<span class=\"__9 _348\"/>ttas a<span class=\"__9 _348\"/>v vinstdel-<span class=\"__9 _356\"> </span>ning, vilket inneb\u00e4r att f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringstagarna erh\u00e5ller en del av<span class=\"__9 _356\"> </span> nettoint\u00e4k<span class=\"__9 _413\"/>terna eller nettounderskottet. Riskint\u00e4k<span class=\"__9 _413\"/>terna och<span class=\"__9 _356\"> </span> riskkostnaderna bruttor<span class=\"__9 _413\"/>edovisas under posterna \u201dInt\u00e4k<span class=\"__9 _413\"/>ter f\u00f6r-<span class=\"__9 _356\"> </span>s\u00e4kringsrisk\u201d och \u201dKostnader f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsrisk\u201d i tabellen. F\u00f6r-<span class=\"__9 _356\"> </span>s\u00e4kringstagarnas andel a<span class=\"__9 _413\"/>v resultatet redo<span class=\"__9 _413\"/>visas under posten<span class=\"__9 _356\"> </span> \u201dF\u00f6r<span class=\"__9 _413\"/>\u00e4ndring av f\u00f6rs\u00e4kringst<span class=\"__9 _348\"/>ekniska avs\u00e4<span class=\"__9 _413\"/>ttningar<span class=\"__9 _425\"/>\u201d i samma<span class=\"__9 _356\"> </span> tabell.<span class=\"__9 _356\"> </span>Vinster och f<span class=\"__9 _413\"/>\u00f6rluster fr\u00e5n plac<span class=\"__9 _348\"/>eringar inom Life &amp; P<span class=\"__9 _413\"/>ension<span class=\"__9 _356\"> </span> f\u00f6r<span class=\"__9 _348\"/>delas p\u00e5 respek<span class=\"__9 _348\"/>tive post i tabellen, pr<span class=\"__9 _413\"/>ecis som andra place-<span class=\"__9 _356\"> </span>ringar i Nordea. Pos<span class=\"__9 _413\"/>terna omfatt<span class=\"__9 _348\"/>ar avk<span class=\"__9 _348\"/>astning p\u00e5 tillg\u00e5ngar<span class=\"__9 _356\"> </span> som ska t\u00e4cka skulder till f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringstagarna och avkas<span class=\"__9 _348\"/>tning<span class=\"__9 _356\"> </span> p\u00e5 ytterligare kapital som allok<span class=\"__9 _413\"/>erats till Life &amp; P<span class=\"__9 _413\"/>ension (eget<span class=\"__9 _356\"> </span> kapital i Life &amp; P<span class=\"__9 _413\"/>ension).<span class=\"__9 _356\"> </span>Post<span class=\"__9 _413\"/>en \u201dF\u00f6r\u00e4ndring a<span class=\"__9 _413\"/>v f\u00f6rs\u00e4kringstekniska a<span class=\"__9 _348\"/>vs\u00e4ttningar<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _356\"> </span> innefa<span class=\"__9 _413\"/>ttar:<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">A<span class=\"__9 _413\"/>vkastning p\u00e5 tillg\u00e5ngar som h\u00e5lls f\u00f6r att t\u00e4ck<span class=\"__9 _348\"/>a skulder till<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>f\u00f6rs\u00e4kringstagarna (inkl<span class=\"__9 _413\"/>usive skulder fr\u00e5n traditionella<span class=\"__9 _356\"> </span> livf\u00f6rs\u00e4kringsavt<span class=\"__9 _413\"/>al<span class=\"__9 _a_8\"/>, fondf<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsavtal och \ufb01nansiella avtal),<span class=\"__9 _356\"> </span> som \u00f6verf<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>s individuellt till f<span class=\"__9 _348\"/>\u00f6rs\u00e4kringstagarnas kon<span class=\"__9 _413\"/>ton i<span class=\"__9 _a_8\"/> enlighet med deras a<span class=\"__9 _413\"/>vtal<span class=\"__9 _a_8\"/>.<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">Ytterligare \u00e5terb\u00e4ring (<span class=\"__9 _348\"/>diskretion\u00e4r del) till f<span class=\"__9 _348\"/>\u00f6rs\u00e4kringstagarna<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>avseende tr<span class=\"__9 _413\"/>aditionella liv<span class=\"__9 _a_8\"/>f\u00f6rs\u00e4kringsa<span class=\"__9 _413\"/>vtal eller andra \u00f6verf<span class=\"__9 _348\"/>\u00f6rin<span class=\"ls0_9 ws0_9\">-<span class=\"__9 _356\"> </span></span>gar till f\u00f6rs\u00e4kringstagarna f<span class=\"__9 _413\"/>\u00f6r att t\u00e4cka tillf\u00e4lliga undersko<span class=\"__9 _413\"/>tt<span class=\"__9 _a_8\"/> mellan placeringsresult<span class=\"__9 _348\"/>at och even<span class=\"__9 _413\"/>tuell avtalad minimif<span class=\"__9 _413\"/>\u00f6rm\u00e5n.<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">Vinstdelning p\u00e5 risk- och a<span class=\"__9 _413\"/>vkastningsresulta<span class=\"__9 _413\"/>t f\u00f6r traditionella<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>livf\u00f6rs\u00e4kringsproduk<span class=\"__9 _413\"/>ter i enlighet med lokala f\u00f6rdelningsregler<span class=\"__9 _356\"> </span> i respek<span class=\"__9 _348\"/>tive Lif<span class=\"__9 _413\"/>e &amp; Pension-enhet och g\u00e4llande avtal med<span class=\"__9 _356\"> </span> f\u00f6rs\u00e4kringstagarna. R<span class=\"__9 _413\"/>edovisningen av vinst<span class=\"__9 _413\"/>delningen i<span class=\"__9 _356\"> </span>K2.4  Summa nettoresultat av pos<span class=\"__9 _413\"/>ter till verkligt v\u00e4rde, forts.<span class=\"__9 _356\"> </span>113<span class=\"__9 _356\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__9 _356\"> </span>Inledning<span class=\"__9 _347\"> </span><span class=\"__9 _356\">Aff</span><span class=\"__9 _348\"/>\u00e4rsomr\u00e5den<span class=\"__9 _349\"/><span class=\"ws0_9\">V<span class=\"__9 _413\"/>\u00e5ra intressent<span class=\"__9 _413\"/>er<span class=\"__9 _424\"> </span><span class=\"ff1_9\">Finansiella rapporter<span class=\"__9 _351\"/><span class=\"ff2_9 ws2_8\">F\u00f6rvaltningsber<span class=\"__9 _348\"/>\u00e4ttelse<span class=\"__9 _352\"> </span>H\u00e5llbarhetsnoter<span class=\"__9 _353\"> </span>\u00d6vrigt<span class=\"__9 _354\"/><span class=\"ws0_9\">Strategisk r<span class=\"__9 _348\"/>apport<span class=\"__9 _356\"> </span></span></span></span></span>result<span class=\"__9 _348\"/>atr\u00e4kningen f<span class=\"__9 _413\"/>\u00f6ruts\u00e4tter fram<span class=\"__9 _413\"/>f\u00f6r allt ett positivt result<span class=\"__9 _348\"/>at f<span class=\"__9 _413\"/>\u00f6<span class=\"__9 _356\"> </span>r<span class=\"__9 _a_8\"/> traditionella livf\u00f6rs\u00e4kringsa<span class=\"__9 _413\"/>vtal. Vinstdelning som inte kan<span class=\"__9 _356\"> </span> redovisas under innev<span class=\"__9 _413\"/>arande period till f\u00f6ljd a<span class=\"__9 _413\"/>v svaga placerin<span class=\"ls0_9 ws0_9\">-<span class=\"__9 _356\"> </span></span>gsresulta<span class=\"__9 _413\"/>t kan i vissa l\u00e4nder senarel\u00e4ggas, helt eller delvis, till \u00e5<span class=\"__9 _356\"> </span>r med h\u00f6gre a<span class=\"__9 _413\"/>vkastning.<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">F\u00f6rs\u00e4kringstagarnas andel a<span class=\"__9 _413\"/>v kostnads- och riskresulta<span class=\"__9 _348\"/>tet f<span class=\"__9 _348\"/>\u00f6r<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>traditionella livf\u00f6rs\u00e4kringsa<span class=\"__9 _413\"/>vtal eller fondf\u00f6rs\u00e4kringsa<span class=\"__9 _413\"/>vtal.<span class=\"__9 _356\"> </span>Post<span class=\"__9 _413\"/>en \u201dF\u00f6r\u00e4ndring a<span class=\"__9 _413\"/>v \u00e5terb\u00e4ringsmedel\u201d i tabellen ovan a<span class=\"__9 _413\"/>vse<span class=\"__9 _356\"> </span>r endast traditionella livf<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>s\u00e4kringsavt<span class=\"__9 _348\"/>al. Posten om<span class=\"__9 _413\"/>fattar f<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>s\u00e4k<span class=\"__9 _356\"> </span>-<span class=\"__9 _356\"> </span>ringstagarnas andel a<span class=\"__9 _413\"/>v avkastning som \u00e4nnu in<span class=\"__9 _413\"/>te har f\u00f6rdelats<span class=\"__9 _356\"> </span> till individuella f\u00f6rs\u00e4kringstagar<span class=\"__9 _413\"/>e. \u00c4<span class=\"__9 _413\"/>ven \u00e5terb\u00e4ringsmedel ing\u00e5<span class=\"__9 _356\"> </span>r (diskretion\u00e4r del), liksom belopp s<span class=\"__9 _348\"/>om beh\u00f6vs f<span class=\"__9 _348\"/>\u00f6r att t\u00e4cka till-<span class=\"__9 _356\"> </span>f\u00e4lliga undersko<span class=\"__9 _348\"/>tt mellan placeringsresult<span class=\"__9 _348\"/>at och even<span class=\"__9 _413\"/>tuell mini<span class=\"__9 _356\"> </span>-<span class=\"__9 _356\"> </span>mif\u00f6rm\u00e5n till f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringstagarna.<span class=\"__9 _356\"> </span>St\u00e4ngning a<span class=\"__9 _348\"/>v Nordeas verksamhet i Ryssland<span class=\"__9 _356\"> </span>Nordeakoncernens s<span class=\"__9 _413\"/>trategi \u00e4r att f<span class=\"__9 _413\"/>okusera p\u00e5 verksamheten i Norden. Det inneb\u00e4r att Nordeak<span class=\"__9 _413\"/>oncernen l\u00e4gger ned sin verk-<span class=\"__9 _356\"> </span>samhet i Ryssland. Den 24 mars 2021 beslut<span class=\"__9 _413\"/>ade en extra bolagsst\u00e4mma i JSC Nordea Bank a<span class=\"__9 _413\"/>tt inleda den frivilliga likvi-<span class=\"__9 _356\"> </span>dationsproce<span class=\"__9 _348\"/>ssen, vilket godk\u00e4ndes a<span class=\"__9 _413\"/>v r<span class=\"__9 _a_8\"/>yska cen<span class=\"__9 _348\"/>tralbanken den 16 april 2021. Den frivilliga likvidationspr<span class=\"__9 _348\"/>ocessen a<span class=\"__9 _413\"/>v JSC Nordea Bank slutf<span class=\"__9 _413\"/>\u00f6rdes den 21 april 2022 d\u00e5 den ryska skatte-<span class=\"__9 _356\"> </span>myndigheten a<span class=\"__9 _413\"/>vregistrerade bolaget. F\u00f6rber<span class=\"__9 _413\"/>edelser p\u00e5g\u00e5r f\u00f6r de sista st<span class=\"__9 _413\"/>egen i likvideringen av de kvarvarande dott<span class=\"__9 _413\"/>erbola-<span class=\"__9 _356\"> </span>gen i Ryssland. Enligt kra<span class=\"__9 _413\"/>ven i IFRS (International Financial R<span class=\"__9 _413\"/>epor<span class=\"__9 _a_8\"/>ting Stan-<span class=\"__9 _356\"> </span>dards) hade Nordea ackumul<span class=\"__9 _348\"/>erat v<span class=\"__9 _413\"/>alutakursf\u00f6rlust<span class=\"__9 _348\"/>er som upp-<span class=\"__9 _356\"> </span>st\u00e5tt p\u00e5 in<span class=\"__9 _413\"/>vesteringen i bankverksamheten i R<span class=\"__9 _348\"/>yssland i eget kapital via \u201d\u00d6vrigt totalr<span class=\"__9 _413\"/>esultat\u201d alltsedan f\u00f6rv\u00e4rvet av JSC Nordea Bank \u00e5r 2007<span class=\"__9 _357\"/>. Under f\u00f6rsta kvartalet 2022 \u00e5t<span class=\"__9 _348\"/>erf\u00f6rde Nordea kapital och upph\u00f6rde i all<span class=\"__9 _413\"/>t v\u00e4sentligt med sin verksam-<span class=\"__9 _356\"> </span>het i Ryssland. Enligt kra<span class=\"__9 _413\"/>ven i IFRS har Nordea \u00f6verf<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>t de ack-<span class=\"__9 _356\"> </span>umulerade val<span class=\"__9 _348\"/>utakursf\u00f6rl<span class=\"__9 _413\"/>usterna, fr\u00e5n \u201d\u00d6vrigt to<span class=\"__9 _348\"/>talresulta<span class=\"__9 _413\"/>t<span class=\"__9 _a_8\"/>\u201d till resulta<span class=\"__9 _413\"/><span class=\"__9 _356\">tr\u00e4kningen. Effek</span><span class=\"__9 _413\"/>ten av \u00f6verf<span class=\"__9 _413\"/>\u00f6ringarna redovisades under \u201dNettoresult<span class=\"__9 _348\"/>at a<span class=\"__9 _413\"/>v poster till verkligt v\u00e4rde\u201d och betr<span class=\"__9 _413\"/>akta-<span class=\"__9 _356\"> </span>des som en j\u00e4mf<span class=\"__9 _413\"/>\u00f6relsest\u00f6rande pos<span class=\"__9 _413\"/>t<span class=\"__9 _a_8\"/>. Det egna kapitalet och kapitalbasen p\u00e5<span class=\"__9 _413\"/>verkades inte eftersom en mo<span class=\"__9 _348\"/>tsvarande positiv post redo<span class=\"__9 _348\"/>visades under \u201d\u00d6vrigt totalr<span class=\"__9 _413\"/>esultat<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _357\"/>. Nordeas kapaci-<span class=\"__9 _356\"> </span>tet g\u00e4llande utdelningar och ak<span class=\"__9 _413\"/>tie\u00e5terk\u00f6p har allts\u00e5 int<span class=\"__9 _348\"/>e f\u00f6r<span class=\"__9 _413\"/>\u00e4ndrats.<span class=\"__9 _356\"> </span>K2.4  Summa nettoresultat av pos<span class=\"__9 _413\"/>ter till verkligt v\u00e4rde, forts.<span class=\"__9 _356\"> </span>K2.5 <span class=\"__9 _b6_2\"> </span>\u00d6vriga r\u00f6rels<span class=\"__9 _348\"/>eint\u00e4k<span class=\"__9 _413\"/>ter<span class=\"__9 _356\"> </span>Redovisningsprinciper<span class=\"__9 _356\"> </span>Nettovinst<span class=\"__9 _413\"/>er fr\u00e5n avyttring a<span class=\"__9 _413\"/>v aktier i koncern<span class=\"__9 _413\"/>f\u00f6retag, intr<span class=\"__9 _413\"/>essef\u00f6<span class=\"ls0_9\">-<span class=\"__9 _356\"> </span></span>retag och join<span class=\"__9 _348\"/>t ventur<span class=\"__9 _413\"/>es, nettovinster fr<span class=\"__9 _413\"/>\u00e5n avyttring av ma<span class=\"__9 _413\"/>teriella tillg\u00e5ngar liksom andra transak<span class=\"__9 _413\"/>tioner som inte kan h\u00e4n<span class=\"__9 _413\"/>f\u00f6ras till n\u00e5gon annan int\u00e4k<span class=\"__9 _413\"/>tspost redovisas normalt under \u201d\u00d6vriga r\u00f6r<span class=\"__9 _413\"/>el<span class=\"ls0_9\">-<span class=\"__9 _356\"> </span></span>seint\u00e4k<span class=\"__9 _413\"/>ter<span class=\"__9 _a_8\"/>\u201d och f\u00f6rst n\u00e4r det \u00e4r sannolikt a<span class=\"__9 _413\"/>tt de f\u00f6rm\u00e5ner som \u00e4r kopplade till transak<span class=\"__9 _413\"/>tionen tillfaller <span class=\"ws19_7\">Nordea</span>. Det intr<span class=\"__9 _413\"/><span class=\"__9 _356\">\u00e4ffar normalt </span>n\u00e4r de betydande riskerna och f<span class=\"__9 _413\"/>\u00f6rm\u00e5nerna har \u00f6verf\u00f6rts till k\u00f6paren (vanligtvis n\u00e4r tr<span class=\"__9 _413\"/>ansaktionen har slutf\u00f6rts).<span class=\"__9 _356\"> </span>\u00d6vriga r\u00f6relsein<span class=\"__9 _413\"/>t\u00e4kter<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _b8_1\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vyttring av aktier och andelar<span class=\"__9 _ca_1\"> </span>\u2013<span class=\"__9 _2e_3\"> </span>6<span class=\"__9 _356\"> </span>Int\u00e4k<span class=\"__9 _413\"/>ter fr\u00e5n fastigheter<span class=\"__9 _cb_1\"> </span>2<span class=\"__9 _1c_5\"> </span>2<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vyttring av materiella och immateriella tillg\u00e5ngar<span class=\"__9 _cc_2\"> </span>39<span class=\"__9 _375\"> </span>34<span class=\"__9 _356\"> </span>\u00d6vrigt<span class=\"__9 _cd_1\"> </span><span class=\"ls16_7 ws1a_7\">42<span class=\"__9 _366\"> </span></span>45<span class=\"__9 _356\"> </span>Summa<span class=\"__9 _a3_1\"> </span>83<span class=\"__9 _375\"> </span>87<span class=\"__9 _356\"> </span>K2.6 <span class=\"__9 _b6_2\"> </span>\u00d6vriga kostnader<span class=\"__9 _356\"> </span>Redovisningsprinciper<span class=\"__9 _356\"> </span>T<span class=\"__9 _357\"/>ransaktioner som in<span class=\"__9 _413\"/>te kan h\u00e4nf\u00f6r<span class=\"__9 _348\"/>as till n\u00e5gon annan kost-<span class=\"__9 _356\"> </span>nadspost, redovisas normalt under \u201d\u00d6vriga kos<span class=\"__9 _413\"/>tnader<span class=\"__9 _425\"/>\u201d<span class=\"__9 _357\"/>. Mer-<span class=\"__9 _356\"> </span>parten av kos<span class=\"__9 _413\"/>tnaderna \u00e4r relaterade till ink\u00f6p a<span class=\"__9 _413\"/>v IT<span class=\"__9 _413\"/>-tj\u00e4nster och andra tj\u00e4nst<span class=\"__9 _348\"/>er<span class=\"__9 _413\"/>. Kostnaderna f<span class=\"__9 _413\"/>\u00f6r ink\u00f6p av tj\u00e4nster \u00e4r normal<span class=\"__9 _413\"/>t transak<span class=\"__9 _348\"/>tionsbaserade och redo<span class=\"__9 _413\"/>visas i den period d\u00e5 tj\u00e4nsterna erh\u00e5lls.<span class=\"__9 _356\"> </span>Nettof<span class=\"__9 _413\"/>\u00f6rluster fr\u00e5n a<span class=\"__9 _413\"/>vyttring av aktier i k<span class=\"__9 _413\"/>oncernf\u00f6ret<span class=\"__9 _348\"/>ag, intre<span class=\"__9 _348\"/>ssef\u00f6r<span class=\"__9 _413\"/>etag och joint ventur<span class=\"__9 _413\"/>es, liksom nettof\u00f6rlus<span class=\"__9 _348\"/>ter fr<span class=\"__9 _348\"/>\u00e5n avyttring a<span class=\"__9 _413\"/>v materiella tillg\u00e5ngar<span class=\"__9 _413\"/>, redovisas normalt under \u201d\u00d6vriga kostnader\u201d n\u00e4r det \u00e4r sannolikt att de f\u00f6rm\u00e5ner som \u00e4r kopplade till transak<span class=\"__9 _413\"/>tionen tillfaller Nordea, och om de bety-<span class=\"__9 _356\"> </span>dande riskerna och f<span class=\"__9 _348\"/>\u00f6rm\u00e5nerna har \u00f6verf<span class=\"__9 _348\"/>\u00f6rts till k\u00f6paren (van-<span class=\"__9 _356\"> </span>ligtvis n\u00e4r transak<span class=\"__9 _348\"/>tionen har slutf<span class=\"__9 _348\"/>\u00f6rts).<span class=\"__9 _356\"> </span>\u00d6vriga kostnader<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _b8_1\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Inf<span class=\"__9 _348\"/><span class=\"__9 _356\">ormationsteknik1</span><span class=\"__9 _a1_1\"> </span>-569<span class=\"__9 _f_8\"> </span>-522<span class=\"__9 _356\"> </span>Marknadsf\u00f6ring och repr<span class=\"__9 _413\"/>esentation<span class=\"__9 _ce_2\"> </span>-53<span class=\"__9 _361\"> </span>-44<span class=\"__9 _356\"> </span>Porto-, transport-, telefon- och k<span class=\"__9 _413\"/>ontorskostnader<span class=\"__9 _364\"> </span>-45<span class=\"__9 _361\"> </span><span class=\"ls4_8 ws7_8\">-48<span class=\"__9 _356\"> </span></span>Hyres-, lokal- och f<span class=\"__9 _413\"/>astighetskostnader<span class=\"__9 _cf_1\"> </span>-101<span class=\"__9 _367\"> </span><span class=\"ls11_7 ws14_8\">-97<span class=\"__9 _356\"> </span></span>Konsult- och re<span class=\"__9 _348\"/><span class=\"__9 _356\">visionstj\u00e4nster2</span><span class=\"__9 _d0_1\"> </span>-131<span class=\"__9 _f_8\"> </span>-104<span class=\"__9 _356\"> </span>Marknadsdatatj\u00e4ns<span class=\"__9 _413\"/>ter<span class=\"__9 _5c_1\"> </span>-87<span class=\"__9 _361\"> </span>-84<span class=\"__9 _356\"> </span>\u00d6vrigt<span class=\"__9 _409\"> </span><span class=\"ls3_8 ws6_8\">-149<span class=\"__9 _363\"> </span></span>-103<span class=\"__9 _356\"> </span>Summa<span class=\"__9 _d1_1\"> </span>-1 135<span class=\"__9 _376\"> </span><span class=\"ff2_9\">-</span>1 002<span class=\"__9 _356\"> </span><span class=\"__9 _356\">Revisionsarvoden3<span class=\"__9 _356\"> </span></span>Mn euro<span class=\"__9 _b8_1\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Pricewa<span class=\"__9 _348\"/>terhouseCoopers<span class=\"__9 _356\"> </span>Revisionsuppdrag<span class=\"__9 _9d_1\"> </span>-8<span class=\"__9 _358\"> </span>-8<span class=\"__9 _356\"> </span>Revisionsverksamhet ut\u00f6<span class=\"__9 _413\"/><span class=\"__9 _356\">ver revisionsuppdraget4</span><span class=\"__9 _1c_5\"> </span>0<span class=\"__9 _394\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _356\"> </span></span><span class=\"__9 _356\">\u00d6vriga uppdrag4</span><span class=\"__9 _d2_1\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _372\"> </span>-1<span class=\"__9 _356\"> </span></span>Summa<span class=\"__9 _d3_1\"> </span>-9<span class=\"__9 _3f_3\"> </span><span class=\"ls3_8 ws6_8\">-10<span class=\"__9 _356\"> </span></span>1)  IT<span class=\"__9 _413\"/>-konsulttj\u00e4nster ing\u00e5r i Informa<span class=\"__9 _413\"/>tionsteknik.<span class=\"__9 _356\"> </span>2)  Revisionsarvoden ing\u00e5r i Konsult- och re<span class=\"__9 _348\"/>visionstj\u00e4nster<span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>3)  V<span class=\"__9 _413\"/>arken PricewaterhouseCoopers Oy eller n\u00e5got annat f<span class=\"__9 _413\"/>\u00f6retag i PricewaterhouseCoo-<span class=\"__9 _356\"> </span>pers n\u00e4tverk har utf\u00f6rt n\u00e5gon skatter<span class=\"__9 _413\"/>\u00e5dgivning. Revisionsarvoden i tabellen redovisas exklusive ej a<span class=\"__9 _413\"/>vdragsgill moms.<span class=\"__9 _356\"> </span>4) <span class=\"__9 _389\"> </span>PricewaterhouseCoopers Oy svarade f<span class=\"__9 _413\"/>\u00f6r -0,2 mn euro (-0,1 mn euro<span class=\"__9 _413\"/>) av Revisionsverksam-<span class=\"__9 _356\"> </span>het ut\u00f6ver revisionsuppdr<span class=\"__9 _413\"/>aget och f\u00f6r -0,5 mn euro (-0,4 mn euro) av \u00d6vriga uppdr<span class=\"__9 _413\"/>ag<span class=\"__9 _356\"> </span>.<span class=\"__9 _356\"> </span>114<span class=\"__9 _356\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__9 _356\"> </span>Inledning<span class=\"__9 _347\"> </span><span class=\"__9 _356\">Aff</span><span class=\"__9 _348\"/>\u00e4rsomr\u00e5den<span class=\"__9 _349\"/><span class=\"ws0_9\">V<span class=\"__9 _413\"/>\u00e5ra intressent<span class=\"__9 _413\"/>er<span class=\"__9 _424\"> </span><span class=\"ff1_9\">Finansiella rapporter<span class=\"__9 _351\"/><span class=\"ff2_9 ws2_8\">F\u00f6rvaltningsber<span class=\"__9 _348\"/>\u00e4ttelse<span class=\"__9 _352\"> </span>H\u00e5llbarhetsnoter<span class=\"__9 _353\"> </span>\u00d6vrigt<span class=\"__9 _354\"/><span class=\"ws0_9\">Strategisk r<span class=\"__9 _348\"/>apport<span class=\"__9 _356\"> </span></span></span></span></span>K2.7  Lagstadgade a<span class=\"__9 _413\"/>vgifter<span class=\"__9 _356\"> </span>Redovisningsprinciper<span class=\"__9 _356\"> </span>Kostnaden f<span class=\"__9 _413\"/>\u00f6r dessa avgift<span class=\"__9 _413\"/>er redovisas n\u00e4r skyldigheten att betala uppst\u00e5r<span class=\"__9 _357\"/>. Resolutionsav<span class=\"__9 _413\"/>gifter kan inte \u00e5terbet<span class=\"__9 _348\"/>alas om Nordea skulle upph\u00f6r<span class=\"__9 _413\"/>a med sin verksamhet<span class=\"__9 _a_8\"/>, och betalnings-<span class=\"__9 _356\"> </span>skyldigheten bed\u00f6ms f<span class=\"__9 _348\"/>\u00f6ljaktligen upps<span class=\"__9 _348\"/>t\u00e5 p\u00e5 \u00e5rets f<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>sta dag. Den svenska bankskatt<span class=\"__9 _413\"/>en kan \u00e5terbetalas f\u00f6r den period under vilken Nordea in<span class=\"__9 _413\"/>te bedriver n\u00e5gon verksamhet, och betalningsskyldigheten bed\u00f6ms d\u00e4rf\u00f6r upps<span class=\"__9 _413\"/>t\u00e5 l\u00f6pande under \u00e5ret. Resolutionsa<span class=\"__9 _413\"/>vgifter redovisas d\u00e4rmed i sin helhet under f\u00f6rsta kv<span class=\"__9 _413\"/>ar<span class=\"__9 _a_8\"/>talet medan den svenska bankska<span class=\"__9 _413\"/>tten periodiseras linj\u00e4rt under \u00e5ret. Mer information om den f<span class=\"__9 _413\"/>\u00f6r\u00e4ndrade redo-<span class=\"__9 _356\"> </span>visningen \ufb01nns i not K1 \u201dRedo<span class=\"__9 _413\"/>visningsprinciper<span class=\"__9 _425\"/>\u201d<span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _426\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Resolutionsa<span class=\"__9 _413\"/>vgifter<span class=\"__9 _d4_2\"> </span><span class=\"ls2_8 ws5_8\">-25<span class=\"__9 _a_8\"/>6<span class=\"__9 _f_8\"> </span>-244<span class=\"__9 _356\"> </span></span>Bankskatt<span class=\"__9 _429\"> </span>-66<span class=\"__9 _1f_5\"> </span>\u2013<span class=\"__9 _356\"> </span>Summa<span class=\"__9 _ac_1\"> </span>-322<span class=\"__9 _f_8\"> </span><span class=\"ff2_9 ls2_8 ws5_8\">-244<span class=\"__9 _356\"> </span></span>K2.9 Kreditf<span class=\"__9 _413\"/>\u00f6rluster<span class=\"__9 _356\"> </span>Redovisningsprinicper Nedskrivningar av \ufb01nansiella tillg\u00e5ngar i ka<span class=\"__9 _413\"/>tegorierna \u201dUpp-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">lupet anskaffningsv</span><span class=\"__9 _413\"/>\u00e4rde\u201d och \u201dVerkligt v<span class=\"__9 _413\"/>\u00e4rde via \u00f6vrigt total-<span class=\"__9 _356\"> </span>resulta<span class=\"__9 _413\"/>t<span class=\"__9 _a_8\"/>\u201d (se not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d) p\u00e5 balansraderna \u201dUtl\u00e5ning till cen<span class=\"__9 _413\"/>tralbanker<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _413\"/>, \u201dUtl\u00e5ning till kre-<span class=\"__9 _356\"> </span>ditinstitut\u201d<span class=\"__9 _413\"/>, \u201dUtl\u00e5ning till allm\u00e4nheten\u201d och \u201dR\u00e4nteb\u00e4r<span class=\"__9 _413\"/>ande v\u00e4rdepapper\u201d<span class=\"__9 _413\"/>, redovisas som \u201dKreditf<span class=\"__9 _413\"/>\u00f6rluster<span class=\"__9 _413\"/>, netto\u201d<span class=\"__9 _413\"/>, tillsam-<span class=\"__9 _356\"> </span>mans med f\u00f6rlus<span class=\"__9 _413\"/>ter fr\u00e5n \ufb01nansiella garan<span class=\"__9 _413\"/>tier. F<span class=\"__9 _413\"/>\u00f6rlusterna redovisas med a<span class=\"__9 _413\"/>vdrag f\u00f6r e<span class=\"__9 _348\"/>ventuella s\u00e4k<span class=\"__9 _413\"/>erheter eller andra kreditf<span class=\"__9 _348\"/>\u00f6rst\u00e4rkningar<span class=\"__9 _413\"/>. Nordeas redovisningsprinciper f<span class=\"__9 _413\"/>\u00f6r ber\u00e4kningen a<span class=\"__9 _413\"/>v nedskrivning av l\u00e5n och till\u00e4mpade kritiska bed\u00f6mningar \ufb01nns i not K3.<span class=\"__9 _348\"/>7 \u201dUtl\u00e5ning\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Motpartsf\u00f6rlus<span class=\"__9 _413\"/>ter h\u00e4nf\u00f6rliga till ins<span class=\"__9 _348\"/>trument som klassi\ufb01ce-<span class=\"__9 _356\"> </span>rats i ka<span class=\"__9 _413\"/>tegorin \u201dFinansiella tillg\u00e5ngar v\u00e4rderade till verkligt<span class=\"__9 _356\"> </span>K2.8   <span class=\"__9 _b7_2\"/>A<span class=\"__9 _413\"/>v- och nedskrivningar a<span class=\"__9 _413\"/>v materiella och immat<span class=\"__9 _348\"/>eriella tillg\u00e5ngar<span class=\"__9 _356\"> </span>Redovisningsprinciper<span class=\"__9 _356\"> </span>Materiella och immat<span class=\"__9 _413\"/>eriella tillg\u00e5ngar skrivs av linj\u00e4rt \u00f6ver den ber\u00e4knade nyttjandeperioden. En imma<span class=\"__9 _413\"/>teriell tillg\u00e5ng med obest\u00e4mbar nyttjandeperiod (<span class=\"__9 _413\"/>goodwill) ska inte skrivas av<span class=\"__9 _357\"/>, men \u00e5rligen pr\u00f6vas f<span class=\"__9 _413\"/>\u00f6r eventuellt nedskrivningsbehov<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Alla immateriella tillg\u00e5ngar med begr<span class=\"__9 _348\"/>\u00e4nsad nyttjandepe-<span class=\"__9 _356\"> </span>riod, inklusive IT<span class=\"__9 _357\"/>-utvecklingsprojek<span class=\"__9 _348\"/>t som har tagits i bruk, pr\u00f6-<span class=\"__9 _356\"> </span>vas med a<span class=\"__9 _413\"/>vseende p\u00e5 indikationer p\u00e5 nedskrivningsbehov<span class=\"__9 _413\"/>. Nedskrivningskostnaden ber<span class=\"__9 _348\"/>\u00e4knas som skillnaden mellan redovisa<span class=\"__9 _348\"/>t v\u00e4rde och \u00e5<span class=\"__9 _348\"/>tervinningsv\u00e4rde.<span class=\"__9 _356\"> </span>Redovisningsprinciper f<span class=\"__9 _413\"/>\u00f6r immateriella och materiella till-<span class=\"__9 _356\"> </span>g\u00e5ngar<span class=\"__9 _413\"/>, liksom till\u00e4mpade kritiska bed\u00f6mningar<span class=\"__9 _413\"/>, \ufb01nns i not K5 \u201dImmateriella och mat<span class=\"__9 _413\"/>eriella tillg\u00e5ngar<span class=\"__9 _425\"/>\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _426\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vskrivningar<span class=\"__9 _356\"> </span>Materiella tillg\u00e5ngar <span class=\"__9 _7a_1\"> </span>-215<span class=\"__9 _5a_1\"> </span><span class=\"ls2_8 ws5_8\">-244<span class=\"__9 _356\"> </span></span>Immateriella tillg\u00e5ngar <span class=\"__9 _427\"> </span>-371<span class=\"__9 _363\"> </span>-361<span class=\"__9 _356\"> </span>Summa<span class=\"__9 _428\"> </span>-586<span class=\"__9 _379\"> </span>-605<span class=\"__9 _356\"> </span>Nedskrivningar<span class=\"__9 _413\"/>, netto<span class=\"__9 _356\"> </span>Materiella tillg\u00e5ngar<span class=\"__9 _9e_1\"> </span>1<span class=\"__9 _3f_3\"> </span><span class=\"ls3_8 ws6_8\">-19<span class=\"__9 _356\"> </span></span>Immateriella tillg\u00e5ngar <span class=\"__9 _d5_1\"> </span><span class=\"ls2_8 ws5_8\">-26<span class=\"__9 _361\"> </span></span>-40<span class=\"__9 _356\"> </span>Summa<span class=\"__9 _d6_1\"> </span><span class=\"ls2_8 ws5_8\">-25<span class=\"__9 _367\"> </span></span>-59<span class=\"__9 _356\"> </span>Summa<span class=\"__9 _d7_1\"> </span>-611<span class=\"__9 _d8_2\"> </span>-664<span class=\"__9 _356\"> </span>v\u00e4rde via r<span class=\"__9 _348\"/>esultatr<span class=\"__9 _413\"/>\u00e4kningen\u201d<span class=\"__9 _413\"/>, inklusive kreditderiva<span class=\"__9 _413\"/>t men exklusiv<span class=\"__9 _413\"/>e l\u00e5nefordringar redovisade till v<span class=\"__9 _413\"/>erkligt v\u00e4rde, redovi-<span class=\"__9 _356\"> </span>sas under \u201dNettoresult<span class=\"__9 _348\"/>at a<span class=\"__9 _413\"/>v poster till verkligt\u201d eller, om de \u00e4r h\u00e4nf<span class=\"__9 _413\"/>\u00f6rliga till l\u00e5nefordringar i portf\u00f6ljer d\u00e4r a<span class=\"__9 _413\"/>vsikten \u00e4r att beh\u00e5lla instrument<span class=\"__9 _413\"/>en till f\u00f6rfall och som det \u00e4r obligatorisk<span class=\"__9 _413\"/>t att v\u00e4r<span class=\"__9 _348\"/>dera till verkligt v<span class=\"__9 _413\"/>\u00e4rde (uppfyller inte SPPI-kriteriet, dvs. att det uteslut<span class=\"__9 _348\"/>ande r\u00f6r sig om betalning a<span class=\"__9 _413\"/>v kapitalbelopp och r\u00e4n<span class=\"__9 _348\"/>ta), under posten \u201dNettor<span class=\"__9 _413\"/>esultat av utl\u00e5ning i portf<span class=\"__9 _413\"/>\u00f6l-<span class=\"__9 _356\"> </span>jer som h\u00e5lls till f\u00f6rf<span class=\"__9 _413\"/>all och obligatoriskt v\u00e4r<span class=\"__9 _413\"/>deras till verkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>. F\u00f6r ytterligar<span class=\"__9 _413\"/>e information, se no<span class=\"__9 _413\"/>t K2.4 \u201dSumma net-<span class=\"__9 _356\"> </span>toresult<span class=\"__9 _348\"/>at a<span class=\"__9 _413\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Ytterligare in<span class=\"__9 _348\"/>forma<span class=\"__9 _413\"/>tion om kreditrisk \ufb01nns i not K11 \u201dRisk- och likviditetshant<span class=\"__9 _348\"/>ering\u201d<span class=\"__9 _356\"> </span><span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Kreditf<span class=\"__9 _348\"/>\u00f6rluster<span class=\"__9 _356\"> </span>2022, mn euro<span class=\"__9 _356\"> </span>Utl\u00e5ning till centralbank<span class=\"__9 _348\"/>er och <span class=\"__9 _356\">kreditinstitut2<span class=\"__9 _356\"> </span></span>Utl\u00e5ning til <span class=\"__9 _356\">allm\u00e4nheten2<span class=\"__9 _356\"> </span></span>R\u00e4nteb\u00e4rande <span class=\"__9 _356\">v\u00e4rdepapper3<span class=\"__9 _356\"> </span></span>Poster utan<span class=\"__9 _348\"/>f\u00f6r <span class=\"__9 _356\">balansr\u00e4kningen4</span><span class=\"__9 _379\"> </span>Summa<span class=\"__9 _356\"> </span>Kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _413\"/>, kategori 1<span class=\"__9 _d9_1\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _4e_1\"> </span><span class=\"ls2_8 ws5_8\">-29<span class=\"__9 _a7_2\"> </span></span></span>11<span class=\"__9 _4f_1\"> </span><span class=\"ls3_8 ws6_8\">-10<span class=\"__9 _4e_1\"> </span><span class=\"ls2_8 ws5_8\">-29<span class=\"__9 _356\"> </span></span></span>Kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _413\"/>, kategori 2<span class=\"__9 _da_1\"> </span>0<span class=\"__9 _b0_1\"> </span><span class=\"ls3_8 ws6_8\">-17<span class=\"__9 _db_1\"> </span></span>0<span class=\"__9 _a8_2\"> </span>15<span class=\"__9 _aa_1\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _356\"> </span></span>Kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _413\"/>, icke faller<span class=\"__9 _348\"/>ade<span class=\"__9 _dc_1\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _397\"> </span></span>-46<span class=\"__9 _aa_1\"> </span>11<span class=\"__9 _db_1\"> </span>5<span class=\"__9 _4f_1\"> </span>-31<span class=\"__9 _356\"> </span>Kategori 3, f<span class=\"__9 _413\"/>allerade<span class=\"__9 _356\"> </span>Kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _413\"/>, individuellt v\u00e4rderade, k<span class=\"__9 _413\"/><span class=\"__9 _356\">ollektivt ber\u00e4knade1</span><span class=\"__9 _dd_2\"> </span>-5<span class=\"__9 _442\"> </span>96<span class=\"__9 _de_1\"> </span>\u2013<span class=\"__9 _aa_1\"> </span>-3<span class=\"__9 _442\"> </span>88<span class=\"__9 _356\"> </span>Konsta<span class=\"__9 _413\"/>terade kreditf\u00f6rlust<span class=\"__9 _413\"/>er<span class=\"__9 _df_1\"> </span>-5<span class=\"__9 _369\"> </span>-701<span class=\"__9 _e0_1\"> </span>\u2013<span class=\"__9 _aa_1\"> </span>-3<span class=\"__9 _374\"> </span>-709<span class=\"__9 _356\"> </span>Minskning av a<span class=\"__9 _413\"/>vs\u00e4ttningar som tagits i anspr\u00e5k f\u00f6r a<span class=\"__9 _348\"/>tt t\u00e4cka konstat<span class=\"__9 _413\"/>erade kreditf\u00f6rluster<span class=\"__9 _e1_1\"> </span>\u2013<span class=\"__9 _ab_1\"> </span>509<span class=\"__9 _de_1\"> </span>\u2013<span class=\"__9 _db_1\"> </span>3<span class=\"__9 _4e_1\"> </span><span class=\"ls3_8 ws6_8\">512<span class=\"__9 _356\"> </span></span>\u00c5terf\u00f6ringar a<span class=\"__9 _413\"/>v tidigare konstaterade kr<span class=\"__9 _413\"/>editf\u00f6rluster<span class=\"__9 _d5_1\"> </span>1<span class=\"__9 _6c_1\"> </span>63<span class=\"__9 _e0_1\"> </span>\u2013<span class=\"__9 _de_1\"> </span>\u2013<span class=\"__9 _442\"> </span><span class=\"ls6_8 ws9_8\">64<span class=\"__9 _356\"> </span></span>Garantiers\u00e4ttning<span class=\"__9 _e2_1\"> </span>\u2013<span class=\"__9 _e0_1\"> </span>\u2013<span class=\"__9 _de_1\"> </span>\u2013<span class=\"__9 _e3_1\"> </span>1<span class=\"__9 _e3_1\"> </span>1<span class=\"__9 _356\"> </span>Ny<span class=\"__9 _413\"/>/\u00f6kad avs\u00e4<span class=\"__9 _348\"/>ttning <span class=\"__9 _e4_1\"> </span><span class=\"ls3_8 ws6_8\">-19<span class=\"__9 _5f_1\"> </span><span class=\"ls2_8 ws5_8\">-251<span class=\"__9 _de_1\"> </span></span></span>\u2013<span class=\"__9 _390\"> </span><span class=\"ls3_8 ws6_8\">-11<span class=\"__9 _369\"> </span></span>-281<span class=\"__9 _356\"> </span>\u00c5terf\u00f6ring a<span class=\"__9 _413\"/>v avs\u00e4ttningar<span class=\"__9 _e5_1\"> </span>\u2013<span class=\"__9 _6a_1\"> </span>239<span class=\"__9 _e0_1\"> </span>\u2013<span class=\"__9 _e6_1\"> </span>5<span class=\"__9 _6a_1\"> </span><span class=\"ls2_8 ws5_8\">244<span class=\"__9 _356\"> </span></span>Kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _413\"/>, fallerade<span class=\"__9 _e7_1\"> </span><span class=\"ls2_8 ws5_8\">-28<span class=\"__9 _373\"> </span></span>-45<span class=\"__9 _de_1\"> </span><span class=\"ff2_9\">\u2013<span class=\"__9 _4d_1\"> </span></span>-8<span class=\"__9 _4e_1\"> </span>-81<span class=\"__9 _356\"> </span>Kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _413\"/>, netto<span class=\"__9 _e8_2\"> </span><span class=\"ls2_8 ws5_8\">-29<span class=\"__9 _4f_1\"> </span></span>-91<span class=\"__9 _aa_1\"> </span>11<span class=\"__9 _a8_2\"> </span>-3<span class=\"__9 _5f_1\"> </span>-112<span class=\"__9 _356\"> </span>115<span class=\"__9 _356\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__9 _356\"> </span>Inledning<span class=\"__9 _347\"> </span><span class=\"__9 _356\">Aff</span><span class=\"__9 _348\"/>\u00e4rsomr\u00e5den<span class=\"__9 _349\"/><span class=\"ws0_9\">V<span class=\"__9 _413\"/>\u00e5ra intressent<span class=\"__9 _413\"/>er<span class=\"__9 _424\"> </span><span class=\"ff1_9\">Finansiella rapporter<span class=\"__9 _351\"/><span class=\"ff2_9 ws2_8\">F\u00f6rvaltningsber<span class=\"__9 _348\"/>\u00e4ttelse<span class=\"__9 _352\"> </span>H\u00e5llbarhetsnoter<span class=\"__9 _353\"> </span>\u00d6vrigt<span class=\"__9 _354\"/><span class=\"ws0_9\">Strategisk r<span class=\"__9 _348\"/>apport<span class=\"__9 _356\"> </span></span></span></span></span>2021, mn euro<span class=\"__9 _356\"> </span>Utl\u00e5ning till centralbank<span class=\"__9 _348\"/>er och <span class=\"__9 _356\">kreditinstitut2<span class=\"__9 _356\"> </span></span>Utl\u00e5ning til <span class=\"__9 _356\">allm\u00e4nheten2<span class=\"__9 _356\"> </span></span>R\u00e4nteb\u00e4rande <span class=\"__9 _356\">v\u00e4rdepapper3<span class=\"__9 _356\"> </span></span>Poster utan<span class=\"__9 _348\"/>f\u00f6r <span class=\"__9 _356\">balansr\u00e4kningen4</span><span class=\"__9 _379\"> </span>Summa<span class=\"__9 _356\"> </span>Kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _413\"/>, kategori 1<span class=\"__9 _e9_2\"> </span>0<span class=\"__9 _4d_1\"> </span>91<span class=\"__9 _b0_1\"> </span><span class=\"ls3_8 ws6_8\">-12<span class=\"__9 _6c_1\"> </span></span>33<span class=\"__9 _4f_1\"> </span>112<span class=\"__9 _356\"> </span>Kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _413\"/>, kategori 2<span class=\"__9 _ea_2\"> </span>1<span class=\"__9 _6c_1\"> </span>92<span class=\"__9 _e0_1\"> </span>\u2013<span class=\"__9 _4d_1\"> </span>10<span class=\"__9 _397\"> </span>103<span class=\"__9 _356\"> </span>Kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _413\"/>, icke faller<span class=\"__9 _348\"/>ade<span class=\"__9 _eb_1\"> </span>1<span class=\"__9 _6a_1\"> </span>183<span class=\"__9 _b0_1\"> </span><span class=\"ls3_8 ws6_8\">-12<span class=\"__9 _442\"> </span><span class=\"ls4_8 ws7_8\">43<span class=\"__9 _373\"> </span></span></span>215<span class=\"__9 _356\"> </span>Kategori 3, f<span class=\"__9 _413\"/>allerade<span class=\"__9 _356\"> </span>Kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _413\"/>, individuellt v\u00e4rderade, k<span class=\"__9 _413\"/><span class=\"__9 _356\">ollektivt ber\u00e4knade1</span><span class=\"__9 _417\"> </span>\u2013<span class=\"__9 _397\"> </span>-68<span class=\"__9 _de_1\"> </span>\u2013<span class=\"__9 _e0_1\"> </span>\u2013<span class=\"__9 _373\"> </span>-68<span class=\"__9 _356\"> </span>Konsta<span class=\"__9 _413\"/>terade kreditf\u00f6rlust<span class=\"__9 _413\"/>er<span class=\"__9 _ec_1\"> </span>\u2013<span class=\"__9 _1c_5\"> </span>-490<span class=\"__9 _de_1\"> </span>\u2013<span class=\"__9 _aa_1\"> </span>-3<span class=\"__9 _2d_3\"> </span>-<span class=\"__9 _a_8\"/>493<span class=\"__9 _356\"> </span>Minskning av a<span class=\"__9 _413\"/>vs\u00e4ttningar som tagits i anspr\u00e5k f\u00f6r a<span class=\"__9 _348\"/>tt t\u00e4cka konstat<span class=\"__9 _413\"/>erade kreditf\u00f6rluster<span class=\"__9 _e1_1\"> </span>\u2013<span class=\"__9 _373\"> </span>261<span class=\"__9 _e0_1\"> </span>\u2013<span class=\"__9 _db_1\"> </span>3<span class=\"__9 _ed_1\"> </span>264<span class=\"__9 _356\"> </span>\u00c5terf\u00f6ringar a<span class=\"__9 _413\"/>v tidigare konstaterade kr<span class=\"__9 _413\"/>editf\u00f6rluster<span class=\"__9 _d5_1\"> </span>1<span class=\"__9 _6c_1\"> </span><span class=\"lsd_7 wsf_8\">52<span class=\"__9 _de_1\"> </span></span>\u2013<span class=\"__9 _de_1\"> </span>\u2013<span class=\"__9 _6c_1\"> </span>53<span class=\"__9 _356\"> </span>Garantiers\u00e4ttning<span class=\"__9 _e2_1\"> </span>\u2013<span class=\"__9 _e0_1\"> </span>\u2013<span class=\"__9 _de_1\"> </span>\u2013<span class=\"__9 _e3_1\"> </span>1<span class=\"__9 _e3_1\"> </span>1<span class=\"__9 _356\"> </span>Ny<span class=\"__9 _413\"/>/\u00f6kad avs\u00e4<span class=\"__9 _348\"/>ttning <span class=\"__9 _ee_2\"> </span>\u2013<span class=\"__9 _2d_3\"> </span>-399<span class=\"__9 _de_1\"> </span>\u2013<span class=\"__9 _4e_1\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _a_8\"/>0<span class=\"__9 _1c_5\"> </span></span>-<span class=\"__9 _a_8\"/>409<span class=\"__9 _356\"> </span>\u00c5terf\u00f6ring a<span class=\"__9 _413\"/>v avs\u00e4ttningar<span class=\"__9 _e5_1\"> </span>\u2013<span class=\"__9 _ed_1\"> </span>307<span class=\"__9 _de_1\"> </span>\u2013<span class=\"__9 _a8_2\"> </span>12<span class=\"__9 _373\"> </span>319<span class=\"__9 _356\"> </span>Kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _413\"/>, fallerade<span class=\"__9 _ea_2\"> </span>1<span class=\"__9 _374\"> </span>-337<span class=\"__9 _de_1\"> </span><span class=\"ff2_9\">\u2013<span class=\"__9 _db_1\"> </span></span>3<span class=\"__9 _368\"> </span>-333<span class=\"__9 _356\"> </span>Kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _413\"/>, netto<span class=\"__9 _ef_1\"> </span>2<span class=\"__9 _368\"> </span>-154<span class=\"__9 _4f_1\"> </span><span class=\"ls3_8 ws6_8\">-12<span class=\"__9 _442\"> </span></span>46<span class=\"__9 _369\"> </span>-118<span class=\"__9 _356\"> </span>1) Inkluderar individuellt iden<span class=\"__9 _348\"/>ti\ufb01erade tillg\u00e5ngar d\u00e4r avs\u00e4<span class=\"__9 _413\"/>ttningarna har ber\u00e4knats med en statistisk modell.<span class=\"__9 _356\"> </span>2) A<span class=\"__9 _413\"/>vs\u00e4ttningar inkluderade i not K3.7 \u201dUtl\u00e5ning\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>3) A<span class=\"__9 _413\"/>vs\u00e4ttningar inkluderade i not K3.8 \u201dR\u00e4nteb\u00e4r<span class=\"__9 _348\"/>ande v\u00e4rdepapper\u201d.<span class=\"__9 _356\"> </span>4) A<span class=\"__9 _413\"/>vs\u00e4ttningar inkluderade i not K6 \u201d<span class=\"__9 _357\"/>Avs\u00e4ttningar\u201d<span class=\"__9 _356\"> </span><span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>K2.<span class=\"__9 _357\"/>10 Skatt<span class=\"__9 _413\"/>er<span class=\"__9 _356\"> </span>Redovisningsprinciper<span class=\"__9 _356\"> </span>Post<span class=\"__9 _413\"/>en \u201dSkatt<span class=\"__9 _a_8\"/>\u201d i resulta<span class=\"__9 _348\"/>tr\u00e4kningen utg\u00f6rs a<span class=\"__9 _413\"/>v den totala f\u00f6r-<span class=\"__9 _356\"> </span>\u00e4ndringen i aktuell och uppskjuten ink<span class=\"__9 _413\"/>omstskatt. Aktuell och uppskjuten skatt r<span class=\"__9 _348\"/>edovisas i result<span class=\"__9 _413\"/>atr\u00e4kningen, s\u00e5vida den inte a<span class=\"__9 _413\"/>vser poster som redo<span class=\"__9 _413\"/>visas mot \u00f6vrigt totalresul<span class=\"__9 _413\"/>tat eller eget kapital. I dessa fall redo<span class=\"__9 _413\"/>visas \u00e4ven skatt<span class=\"__9 _413\"/>en mot \u00f6vrigt totalr<span class=\"__9 _348\"/>esultat r<span class=\"__9 _413\"/>espektive eget kapital.<span class=\"__9 _356\"> </span>Aktuell ska<span class=\"__9 _413\"/>tt \u00e4r den f\u00f6rv\u00e4ntade skatt<span class=\"__9 _413\"/>en p\u00e5 \u00e5rets beskatt-<span class=\"__9 _356\"> </span>ningsbara inkoms<span class=\"__9 _348\"/>t, ber\u00e4knad enligt beslutade eller i prak<span class=\"__9 _413\"/>ti-<span class=\"__9 _356\"> </span>ken beslutade ska<span class=\"__9 _413\"/>ttesatser per balansdagen, tillsammans med even<span class=\"__9 _413\"/>tuell justering av ak<span class=\"__9 _413\"/>tuell skatt h\u00e4nf\u00f6rlig till tidigar<span class=\"__9 _348\"/>e \u00e5<span class=\"__9 _a_8\"/>r.<span class=\"__9 _356\"> </span>Uppskjutna skattef<span class=\"__9 _413\"/>ordringar och skatteskulder r<span class=\"__9 _413\"/>edovisas f\u00f6r tempor<span class=\"__9 _413\"/>\u00e4ra skillnader som uppst\u00e5r mellan skatt<span class=\"__9 _348\"/>em\u00e4ssiga och redovisade v<span class=\"__9 _348\"/>\u00e4rden p\u00e5 tillg\u00e5ngar och skulder<span class=\"__9 _357\"/>. Uppskjutna skattef<span class=\"__9 _413\"/>ordringar redovisas f<span class=\"__9 _413\"/>\u00f6r outnyttjade skattem\u00e4ssiga underskott och skatt<span class=\"__9 _348\"/>eav<span class=\"__9 _413\"/>drag, om de uppfyller de aktuella kri-<span class=\"__9 _356\"> </span>terierna f\u00f6r r<span class=\"__9 _413\"/>edovisning enligt IAS 12. Uppskjuten skatt redo-<span class=\"__9 _356\"> </span>visas inte f<span class=\"__9 _413\"/>\u00f6r tempor\u00e4ra skillnader som upps<span class=\"__9 _348\"/>t\u00e5r vid f\u00f6rs<span class=\"__9 _348\"/>ta redovisningen a<span class=\"__9 _413\"/>v tillg\u00e5ngar eller skulder i en transaktion s<span class=\"__9 _348\"/>om inte \u00e4r ett f<span class=\"__9 _413\"/>\u00f6retagsf\u00f6rv\u00e4rv och varken p\u00e5<span class=\"__9 _413\"/>verkar redovisa<span class=\"__9 _348\"/>t eller beskattningsbart resulta<span class=\"__9 _413\"/>t<span class=\"__9 _a_8\"/>. Uppskjuten skatt redo<span class=\"__9 _413\"/>visas inte heller f\u00f6r skillnader h\u00e4n<span class=\"__9 _413\"/>f\u00f6rliga till aktier och andelar i kon-<span class=\"__9 _356\"> </span>cernf<span class=\"__9 _413\"/>\u00f6retag, intresse<span class=\"__9 _348\"/>f\u00f6r<span class=\"__9 _348\"/>etag och joint v<span class=\"__9 _413\"/>entures, i den m\u00e5n det \u00e4r sannolikt a<span class=\"__9 _348\"/>tt en reglering eller realisering in<span class=\"__9 _413\"/>te kommer att ske inom \u00f6versk\u00e5dlig tid. In<span class=\"__9 _413\"/>te heller redovisas uppskjuten skatt f<span class=\"__9 _413\"/>\u00f6r skattepliktiga tempor<span class=\"__9 _413\"/>\u00e4ra skillnader som h\u00e4rr\u00f6r fr\u00e5n den f\u00f6rsta r<span class=\"__9 _413\"/>edovisningen av goodwill.<span class=\"__9 _356\"> </span>Uppskjuten skatt ber<span class=\"__9 _413\"/>\u00e4knas enligt de skattesatser som v\u00e4n-<span class=\"__9 _356\"> </span>tas g\u00e4lla n\u00e4r de tempor\u00e4r<span class=\"__9 _413\"/>a skillnaderna v\u00e4nds, med utg\u00e5ngs-<span class=\"__9 _356\"> </span>punkt f<span class=\"__9 _348\"/>r\u00e5n ant<span class=\"__9 _413\"/>agna eller i praktiken an<span class=\"__9 _348\"/>tagna lagar per balans-<span class=\"__9 _356\"> </span>dagen. Uppskjutna skattef<span class=\"__9 _413\"/>ordringar och skatteskulder disk<span class=\"__9 _413\"/>on-<span class=\"__9 _356\"> </span>teras in<span class=\"__9 _413\"/>te. Uppskjutna skattefor<span class=\"__9 _413\"/>dringar redovisas endast i den utstr\u00e4ckning det \u00e4r sannolik<span class=\"__9 _413\"/>t att fram<span class=\"__9 _348\"/>tida beskattningsbar vinst kommer a<span class=\"__9 _348\"/>tt \ufb01nnas tillg\u00e4nglig, mot vilken tempor<span class=\"__9 _413\"/>\u00e4ra skillnader<span class=\"__9 _413\"/>, underskottsav<span class=\"__9 _413\"/>drag och outnyttjade skattea<span class=\"__9 _413\"/>vdrag kan utnyttjas. Uppskjutna skatt<span class=\"__9 _413\"/>efordringar granskas v<span class=\"__9 _348\"/>arje<span class=\"__9 _356\"> </span>balansdag, och minskas i den m\u00e5n det int<span class=\"__9 _348\"/>e l\u00e4ngre \u00e4r sannolik<span class=\"__9 _348\"/>t att a<span class=\"__9 _413\"/>vdragsr\u00e4tten kan utn<span class=\"__9 _413\"/>yttjas.<span class=\"__9 _356\"> </span>Aktuella ska<span class=\"__9 _413\"/>ttefordringar och ak<span class=\"__9 _348\"/>tuella skattesk<span class=\"__9 _413\"/>ulder kvittas n\u00e4r lagstadgad r\u00e4<span class=\"__9 _413\"/>tt till kvittning f\u00f6religger<span class=\"__9 _413\"/>, och Nordea a<span class=\"__9 _348\"/>vser att antingen nett<span class=\"__9 _413\"/>oreglera dessa skattepositioner eller r<span class=\"__9 _348\"/>eali-<span class=\"__9 _356\"> </span>sera tillg\u00e5ngen sam<span class=\"__9 _413\"/>tidigt som skulden regleras. Uppskjutna skattef<span class=\"__9 _413\"/>ordringar och uppskjutna skatteskulder kvitt<span class=\"__9 _348\"/>as gene-<span class=\"__9 _356\"> </span>rellt i den m\u00e5n det \u00e4r till\u00e5t<span class=\"__9 _413\"/>et enligt lag att kvitta aktuella skat-<span class=\"__9 _356\"> </span>tef<span class=\"__9 _348\"/>ordringar och aktuella sk<span class=\"__9 _348\"/>attesk<span class=\"__9 _413\"/>ulder<span class=\"__9 _356\"> </span>.<span class=\"__9 _356\"> </span>Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__9 _413\"/>ttningar Skattepositioner gr<span class=\"__9 _413\"/>anskas regelbundet f\u00f6r att iden<span class=\"__9 _413\"/>ti\ufb01era fall d\u00e4r ber\u00f6rda ska<span class=\"__9 _348\"/>ttemyndigheter sannolik<span class=\"__9 _413\"/>t inte godk\u00e4nner behandlingen i skattedeklar<span class=\"__9 _413\"/>ationen. Os\u00e4kra skattepositioner beaktas v<span class=\"__9 _413\"/>ar f\u00f6r sig eller som grupp, beroende p\u00e5 vilken metod som b\u00e4st f<span class=\"__9 _413\"/>\u00f6rutser utfallet a<span class=\"__9 _348\"/>v os\u00e4kerheten. Vid en bed\u00f6mning att skatt<span class=\"__9 _348\"/>emyndigheten sannolik<span class=\"__9 _413\"/>t inte godtar en skattem\u00e4ssig behandling, tar Nor<span class=\"__9 _413\"/><span class=\"__9 _356\">dea h\u00e4nsyn till effekten a</span><span class=\"__9 _413\"/>v os\u00e4kerheten n\u00e4r beska<span class=\"__9 _348\"/>ttningsbart resultat, skattem\u00e4ssigt v\u00e4rde, outn<span class=\"__9 _348\"/>yttjade skattem\u00e4ssiga f<span class=\"__9 _413\"/>\u00f6rluster<span class=\"__9 _413\"/>, outnyttjade skat-<span class=\"__9 _356\"> </span>tekrediter eller ska<span class=\"__9 _413\"/>ttesatser fas<span class=\"__9 _348\"/>tst\u00e4lls. Detta g\u00f6rs genom att anv\u00e4nda an<span class=\"__9 _413\"/>tingen det mest sannolika beloppet eller det f\u00f6r-<span class=\"__9 _356\"> </span>v\u00e4n<span class=\"__9 _348\"/>tade v\u00e4rdet, beroende p\u00e5 vilken metod s<span class=\"__9 _348\"/>om b\u00e4st f<span class=\"__9 _413\"/>\u00f6rutser utfallet a<span class=\"__9 _413\"/>v os\u00e4kerheten. Os\u00e4ker skattem\u00e4ssig behandling k<span class=\"__9 _348\"/>an p\u00e5v<span class=\"__9 _413\"/>erka b\u00e5de aktuell skatt och uppskjuten ska<span class=\"__9 _348\"/>tt.<span class=\"__9 _356\"> </span>V<span class=\"__9 _413\"/>\u00e4rderingen av uppskjutna skatt<span class=\"__9 _413\"/>efordringar p\u00e5<span class=\"__9 _348\"/>verkas a<span class=\"__9 _413\"/>v ledningens bed\u00f6mning av Nor<span class=\"__9 _413\"/>deas framtida resul<span class=\"__9 _413\"/>tat och till-<span class=\"__9 _356\"> </span>r\u00e4ckligheten a<span class=\"__9 _413\"/>v framtida beska<span class=\"__9 _413\"/>ttningsbara vinster och fram-<span class=\"__9 _356\"> </span>tida \u00e5terf<span class=\"__9 _348\"/>\u00f6ringar av be\ufb01n<span class=\"__9 _413\"/>tliga beskattningsbara tempor<span class=\"__9 _348\"/>\u00e4ra skillnader<span class=\"__9 _413\"/>. Dessa bed\u00f6mningar uppdateras och se<span class=\"__9 _348\"/>s \u00f6ver vid varje bokslutstillf<span class=\"__9 _413\"/>\u00e4lle, och justeras om s\u00e5 beh\u00f6vs f<span class=\"__9 _413\"/>\u00f6r att avspegla den nuv<span class=\"__9 _413\"/>arande situationen.<span class=\"__9 _356\"> </span>Det redovisade v<span class=\"__9 _348\"/>\u00e4rdet p\u00e5 uppskjutna skatt<span class=\"__9 _348\"/>efor<span class=\"__9 _413\"/>dringar upp<span class=\"__9 _a_8\"/>-<span class=\"__9 _356\"> </span>gick vid \u00e5rets slut till 165 mn euro (218 mn eur<span class=\"__9 _413\"/>o).<span class=\"__9 _356\"> </span>K2.9  Kreditf\u00f6rluster<span class=\"__9 _357\"/>, forts<span class=\"__9 _a_8\"/>.<span class=\"__9 _356\"> </span>116<span class=\"__9 _356\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__9 _356\"> </span>Inledning<span class=\"__9 _347\"> </span><span class=\"__9 _356\">Aff</span><span class=\"__9 _348\"/>\u00e4rsomr\u00e5den<span class=\"__9 _349\"/><span class=\"ws0_9\">V<span class=\"__9 _413\"/>\u00e5ra intressent<span class=\"__9 _413\"/>er<span class=\"__9 _424\"> </span><span class=\"ff1_9\">Finansiella rapporter<span class=\"__9 _351\"/><span class=\"ff2_9 ws2_8\">F\u00f6rvaltningsber<span class=\"__9 _348\"/>\u00e4ttelse<span class=\"__9 _352\"> </span>H\u00e5llbarhetsnoter<span class=\"__9 _353\"> </span>\u00d6vrigt<span class=\"__9 _354\"/><span class=\"ws0_9\">Strategisk r<span class=\"__9 _348\"/>apport<span class=\"__9 _356\"> </span></span></span></span></span>Skattek<span class=\"__9 _413\"/>ostnad<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _426\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Aktuell skatt<span class=\"__9 _446\"> </span>-987<span class=\"__9 _5a_1\"> </span>-824<span class=\"__9 _356\"> </span>Uppskjuten skatt <span class=\"__9 _407\"> </span>-186<span class=\"__9 _1b_5\"> </span>-281<span class=\"__9 _356\"> </span>Summa <span class=\"__9 _f0_2\"> </span><span class=\"ls3_8 ws6_8\">-1 17<span class=\"__9 _a_8\"/>3<span class=\"__9 _e_8\"> </span></span>-1 105<span class=\"__9 _356\"> </span>F\u00f6r t<span class=\"__9 _348\"/>otal skatt r<span class=\"__9 _413\"/>edovisad i \u00f6vrigt totalresul<span class=\"__9 _413\"/>tat<span class=\"__9 _a_8\"/>, se Rapport \u00f6ver totalr<span class=\"__9 _348\"/>esultat.<span class=\"__9 _356\"> </span>Skatten p\u00e5 konc<span class=\"__9 _413\"/>ernens r\u00f6relseresulta<span class=\"__9 _348\"/>t skiljer sig p\u00e5 f\u00f6ljan-<span class=\"__9 _356\"> </span>de s\u00e4tt fr<span class=\"__9 _413\"/>\u00e5n det teoretiska belopp som kan ber\u00e4knas med hj\u00e4lp av ska<span class=\"__9 _413\"/>ttesatsen i Finland:<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _d1_1\"> </span>2022<span class=\"__9 _383\"> </span>2021<span class=\"__9 _356\"> </span>Resulta<span class=\"__9 _348\"/>t f\u00f6re sk<span class=\"__9 _348\"/>att<span class=\"__9 _435\"> </span>4 768<span class=\"__9 _386\"> </span>4 936<span class=\"__9 _356\"> </span>Skatt ber\u00e4knad med en ska<span class=\"__9 _413\"/>ttesats om 20,0 procent <span class=\"__9 _f1_1\"> </span>-954<span class=\"__9 _5a_1\"> </span>-987<span class=\"__9 _356\"> </span><span class=\"__9 _356\">Effek</span><span class=\"__9 _413\"/>t av andra skatte<span class=\"__9 _348\"/>satser i \u00f6vriga l\u00e4nder<span class=\"__9 _373\"> </span>-133<span class=\"__9 _3f_3\"> </span><span class=\"ls11_7 ws14_8\">-97<span class=\"__9 _356\"> </span></span>Resulta<span class=\"__9 _348\"/>t fr\u00e5n in<span class=\"__9 _413\"/>tressef\u00f6retag<span class=\"__9 _f2_1\"> </span>1<span class=\"__9 _394\"> </span><span class=\"ls5_8 ws8_8\">-7<span class=\"__9 _356\"> </span></span>Ej skatteplik<span class=\"__9 _413\"/>tiga int\u00e4kter<span class=\"__9 _f3_1\"> </span><span class=\"ls4_8 ws7_8\">43<span class=\"__9 _358\"> </span></span>27<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vkastningsbeskattad inkomst<span class=\"__9 _f4_1\"> </span>18<span class=\"__9 _358\"> </span>18<span class=\"__9 _356\"> </span>Ej skattem\u00e4ssigt a<span class=\"__9 _413\"/>vdragsgilla kostnader<span class=\"__9 _419\"> </span><span class=\"ls2_8 ws5_8\">-20<span class=\"__9 _367\"> </span></span>-45<span class=\"__9 _356\"> </span>Justeringar a<span class=\"__9 _413\"/>vseende tidigare \u00e5r, ak<span class=\"__9 _413\"/>tuell skatt<span class=\"__9 _2e_3\"> </span><span class=\"ls2_8 ws5_8\">-25<span class=\"__9 _375\"> </span></span>90<span class=\"__9 _356\"> </span>Justeringar a<span class=\"__9 _413\"/>vseende tidigare \u00e5r, uppskjut<span class=\"__9 _413\"/>en skatt <span class=\"__9 _f5_1\"> </span>33<span class=\"__9 _3f_3\"> </span><span class=\"ls5_8 ws8_8\">-78<span class=\"__9 _356\"> </span></span>Utnyttjande och etablering a<span class=\"__9 _413\"/>v oaktiverade skattef<span class=\"__9 _413\"/>ordringar<span class=\"__9 _f6_1\"> </span>0<span class=\"__9 _1c_5\"> </span>2<span class=\"__9 _356\"> </span>\u00c4ndrad skatte<span class=\"__9 _348\"/><span class=\"__9 _356\">sats1</span><span class=\"__9 _407\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _a_8\"/>6<span class=\"__9 _2e_3\"> </span></span>0<span class=\"__9 _356\"> </span>Ej avr<span class=\"__9 _348\"/>\u00e4kningsbar utl\u00e4ndsk k\u00e4llskatt<span class=\"__9 _f7_1\"> </span><span class=\"ls2_8 ws5_8\">-23<span class=\"__9 _3f_3\"> </span>-28<span class=\"__9 _356\"> </span></span>Skattereduk<span class=\"__9 _413\"/>tion maskiner och inventarier<span class=\"__9 _f8_1\"> </span>19<span class=\"__9 _2f_3\"> </span>\u2013<span class=\"__9 _356\"> </span>Omf<span class=\"__9 _348\"/>\u00f6rda ej av<span class=\"__9 _413\"/>dragsgilla valutakursf\u00f6rl<span class=\"__9 _348\"/><span class=\"__9 _356\">uster2</span><span class=\"__9 _2e_3\"> </span>-106<span class=\"__9 _2f_3\"> </span>\u2013<span class=\"__9 _356\"> </span>Skattekos<span class=\"__9 _413\"/>tnad<span class=\"__9 _445\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _a_8\"/> 173<span class=\"__9 _410\"> </span></span>-1 105<span class=\"__9 _356\"> </span><span class=\"__9 _356\">Effek</span><span class=\"__9 _413\"/>tiv skattesats<span class=\"__9 _f9_1\"> </span>24,6 %<span class=\"__9 _385\"> </span>22,4 %<span class=\"__9 _356\"> </span>1)  I juni 2022 antog den danska riksdagen en skatt<span class=\"__9 _348\"/>esatsh\u00f6jning f\u00f6r \ufb01nansiella f<span class=\"__9 _413\"/>\u00f6retag till 25,2 procent fr\u00e5n 2023 och 26 procen<span class=\"__9 _413\"/>t fr\u00e5n 2024. Relevan<span class=\"__9 _413\"/>ta uppskjutna skattefordringar och skatteskulder om<span class=\"__9 _348\"/>v\u00e4rderades till till\u00e4mpliga ska<span class=\"__9 _413\"/>ttesatser under 2022. 2)  <span class=\"__9 _c_8\"/>Inkluderar omf<span class=\"__9 _348\"/>\u00f6ring av 529 mn euro i ej a<span class=\"__9 _413\"/>vdragsgilla valutakursf\u00f6rlus<span class=\"__9 _413\"/>ter fr\u00e5n \u00f6vrigt totalresult<span class=\"__9 _348\"/>at till resulta<span class=\"__9 _348\"/>tr\u00e4kningen h\u00e4nf<span class=\"__9 _413\"/>\u00f6rliga till avveckling av verksamheten i R<span class=\"__9 _348\"/>yssland.<span class=\"__9 _356\"> </span>Se not K2.4 \u201dSumma nettoresulta<span class=\"__9 _413\"/>t av poster till verkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>F\u00f6r<span class=\"__9 _413\"/>\u00e4ndringar i uppskjutna skattef<span class=\"__9 _348\"/>ordringar och skatt<span class=\"__9 _413\"/>eskulder<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _fa_1\"> </span>1 jan 2022<span class=\"__9 _356\"> </span>Redovisat <span class=\"__9 _c_8\"/> i resulta<span class=\"__9 _348\"/>t- r\u00e4kningen<span class=\"__9 _356\"> </span>Redovisat <span class=\"__9 _c_8\"/> i \u00f6vrigt <span class=\"__9 _c_8\"/> totalresul<span class=\"__9 _413\"/>tat<span class=\"__9 _380\"> </span>F\u00f6rv\u00e4rv<span class=\"__9 _356\"> </span>V<span class=\"__9 _413\"/>alutakurs-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">differenser</span><span class=\"__9 _fb_1\"> </span>31 dec 2022<span class=\"__9 _356\"> </span>Uppskjutna skattef<span class=\"__9 _413\"/>ordringar<span class=\"__9 _356\"> </span>Skattem\u00e4ssiga underskott<span class=\"__9 _fc_2\"> </span>8<span class=\"__9 _374\"> </span>\u2013<span class=\"__9 _ed_1\"> </span>\u2013<span class=\"__9 _7b_1\"> </span>\u2013<span class=\"__9 _7b_1\"> </span>\u2013<span class=\"__9 _374\"> </span>8<span class=\"__9 _356\"> </span>Immateriella tillg\u00e5ngar<span class=\"__9 _fd_1\"> </span>\u2013<span class=\"__9 _374\"> </span>\u2013<span class=\"__9 _ed_1\"> </span>\u2013<span class=\"__9 _7b_1\"> </span>8<span class=\"__9 _7b_1\"> </span>\u2013<span class=\"__9 _368\"> </span>8<span class=\"__9 _356\"> </span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__9 _fe_1\"> </span><span class=\"ls4_8 ws7_8\">77<span class=\"__9 _394\"> </span></span>22<span class=\"__9 _369\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _e0_1\"> </span></span>\u2013<span class=\"__9 _7b_1\"> </span>\u2013<span class=\"__9 _1d_5\"> </span>98<span class=\"__9 _356\"> </span>Derivatinstrumen<span class=\"__9 _413\"/>t/obligationer<span class=\"__9 _ff_1\"> </span>98<span class=\"__9 _365\"> </span>-100<span class=\"__9 _6a_1\"> </span>5<span class=\"__9 _7b_1\"> </span>\u2013<span class=\"__9 _a8_2\"> </span>-3<span class=\"__9 _368\"> </span>0<span class=\"__9 _356\"> </span>Pensioner<span class=\"__9 _448\"> </span>94<span class=\"__9 _2c_3\"> </span><span class=\"ls2_8 ws5_8\">-20<span class=\"__9 _369\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _e0_1\"> </span></span></span>\u2013<span class=\"__9 _a8_2\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _1f_5\"> </span></span>71<span class=\"__9 _356\"> </span>Skulder<span class=\"__9 _413\"/>/a<span class=\"__9 _413\"/>vs\u00e4ttningar<span class=\"__9 _449\"> </span>98<span class=\"__9 _366\"> </span>-37<span class=\"__9 _ed_1\"> </span>\u2013<span class=\"__9 _390\"> </span><span class=\"ls4_8 ws7_8\">43<span class=\"__9 _aa_1\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _359\"> </span></span></span>103<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vr\u00e4kningsbar utl\u00e4ndsk skatt<span class=\"__9 _450\"> </span>0<span class=\"__9 _374\"> </span>\u2013<span class=\"__9 _ed_1\"> </span>\u2013<span class=\"__9 _7b_1\"> </span>\u2013<span class=\"__9 _7b_1\"> </span>\u2013<span class=\"__9 _374\"> </span>0<span class=\"__9 _356\"> </span>\u00d6vrigt<span class=\"__9 _451\"> </span>38<span class=\"__9 _2c_3\"> </span><span class=\"ls2_8 ws5_8\">-28<span class=\"__9 _ed_1\"> </span></span>\u2013<span class=\"__9 _a9_2\"> </span>40<span class=\"__9 _a7_2\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _1d_5\"> </span></span>49<span class=\"__9 _356\"> </span>Kvittning a<span class=\"__9 _413\"/>v uppskjutna skattefor<span class=\"__9 _348\"/>dringar och skulder<span class=\"__9 _452\"> </span>-195<span class=\"__9 _b5_2\"> </span>20<span class=\"__9 _6a_1\"> </span>2<span class=\"__9 _e0_1\"> </span>\u2013<span class=\"__9 _db_1\"> </span>1<span class=\"__9 _381\"> </span><span class=\"ls3_8 ws6_8\">-17<span class=\"__9 _a_8\"/>2<span class=\"__9 _356\"> </span></span>Summa<span class=\"__9 _453\"> </span>218<span class=\"__9 _365\"> </span><span class=\"ls3_8 ws6_8\">-14<span class=\"__9 _a_8\"/>3<span class=\"__9 _6a_1\"> </span></span>5<span class=\"__9 _6c_1\"> </span>91<span class=\"__9 _6c_1\"> </span>-6<span class=\"__9 _364\"> </span>165<span class=\"__9 _356\"> </span>K2.<span class=\"__9 _413\"/>10 <span class=\"__9 _6e_1\"> </span>Skatter<span class=\"__9 _413\"/>, forts.<span class=\"__9 _356\"> </span>117<span class=\"__9 _356\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__9 _356\"> </span>Inledning<span class=\"__9 _347\"> </span><span class=\"__9 _356\">Aff</span><span class=\"__9 _348\"/>\u00e4rsomr\u00e5den<span class=\"__9 _349\"/><span class=\"ws0_9\">V<span class=\"__9 _413\"/>\u00e5ra intressent<span class=\"__9 _413\"/>er<span class=\"__9 _424\"> </span><span class=\"ff1_9\">Finansiella rapporter<span class=\"__9 _351\"/><span class=\"ff2_9 ws2_8\">F\u00f6rvaltningsber<span class=\"__9 _348\"/>\u00e4ttelse<span class=\"__9 _352\"> </span>H\u00e5llbarhetsnoter<span class=\"__9 _353\"> </span>\u00d6vrigt<span class=\"__9 _354\"/><span class=\"ws0_9\">Strategisk r<span class=\"__9 _348\"/>apport<span class=\"__9 _356\"> </span></span></span></span></span>K2.<span class=\"__9 _413\"/>10 <span class=\"__9 _6e_1\"> </span>Skatter<span class=\"__9 _413\"/>, forts.<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _454\"> </span>1 jan 2022<span class=\"__9 _356\"> </span>Redovisat <span class=\"__9 _c_8\"/> i resulta<span class=\"__9 _348\"/>t- r\u00e4kningen<span class=\"__9 _356\"> </span>Redovisat  i \u00f6vrigt totalresul<span class=\"__9 _413\"/>tat<span class=\"__9 _3a_4\"> </span>F\u00f6rv\u00e4rv<span class=\"__9 _356\"> </span>V<span class=\"__9 _413\"/>alutakurs-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">differenser</span><span class=\"__9 _fb_1\"> </span>31 dec 2022<span class=\"__9 _356\"> </span>Uppskjutna skatteskul<span class=\"__9 _348\"/>der<span class=\"__9 _356\"> </span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__9 _d3_1\"> </span>407<span class=\"__9 _375\"> </span><span class=\"ls3_8 ws6_8\">-14<span class=\"__9 _370\"> </span></span>-36<span class=\"__9 _455\"> </span>1<span class=\"__9 _390\"> </span><span class=\"ls5_8 ws8_8\">-7<span class=\"__9 _2c_3\"> </span><span class=\"ls3_8 ws6_8\">351<span class=\"__9 _356\"> </span></span></span>Aktier<span class=\"__9 _456\"> </span>38<span class=\"__9 _457\"> </span>-36<span class=\"__9 _373\"> </span>\u2013<span class=\"__9 _4f_1\"> </span>\u2013<span class=\"__9 _4d_1\"> </span>\u2013<span class=\"__9 _369\"> </span>2<span class=\"__9 _356\"> </span>Derivatinstrumen<span class=\"__9 _413\"/>t/obligationer<span class=\"__9 _10a_1\"> </span>15<span class=\"__9 _b5_2\"> </span>59<span class=\"__9 _373\"> </span>\u2013<span class=\"__9 _4f_1\"> </span>\u2013<span class=\"__9 _390\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _394\"> </span><span class=\"ls8_8 wsa_8\">72<span class=\"__9 _356\"> </span></span></span>Immateriella tillg\u00e5ngar<span class=\"__9 _ae_2\"> </span>120<span class=\"__9 _375\"> </span><span class=\"ls3_8 ws6_8\">-16<span class=\"__9 _373\"> </span></span>\u2013<span class=\"__9 _ab_1\"> </span>10<span class=\"__9 _442\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _366\"> </span></span>113<span class=\"__9 _356\"> </span>Materiella tillg\u00e5ngar<span class=\"__9 _10b_1\"> </span>11<span class=\"__9 _2e_3\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _373\"> </span></span>\u2013<span class=\"__9 _b0_1\"> </span>\u2013<span class=\"__9 _4d_1\"> </span>\u2013<span class=\"__9 _394\"> </span>10<span class=\"__9 _356\"> </span>F\u00f6rvaltningsf<span class=\"__9 _413\"/>astigheter<span class=\"__9 _10c_1\"> </span>2<span class=\"__9 _382\"> </span>2<span class=\"__9 _373\"> </span>\u2013<span class=\"__9 _ed_1\"> </span><span class=\"ls3_8 ws6_8\">51<span class=\"__9 _390\"> </span>-1<span class=\"__9 _394\"> </span></span>54<span class=\"__9 _356\"> </span>Pensioner<span class=\"__9 _10d_1\"> </span>56<span class=\"__9 _1f_5\"> </span><span class=\"ls3_8 ws6_8\">17<span class=\"__9 _369\"> </span></span>-8<span class=\"__9 _b0_1\"> </span>\u2013<span class=\"__9 _a9_2\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _394\"> </span></span>63<span class=\"__9 _356\"> </span>Skulder<span class=\"__9 _413\"/>/a<span class=\"__9 _413\"/>vs\u00e4ttningar<span class=\"__9 _e5_1\"> </span>1<span class=\"__9 _370\"> </span>21<span class=\"__9 _373\"> </span>\u2013<span class=\"__9 _b0_1\"> </span>\u2013<span class=\"__9 _4d_1\"> </span>\u2013<span class=\"__9 _394\"> </span>22<span class=\"__9 _356\"> </span>\u00d6vrigt<span class=\"__9 _10e_1\"> </span>21<span class=\"__9 _374\"> </span>\u2013<span class=\"__9 _4e_1\"> </span>2<span class=\"__9 _b0_1\"> </span>\u2013<span class=\"__9 _4d_1\"> </span>\u2013<span class=\"__9 _394\"> </span><span class=\"ls4_8 ws7_8\">23<span class=\"__9 _356\"> </span></span>Elimineringar av tempor<span class=\"__9 _413\"/>\u00e4ra skillnader som f\u00f6rekommer i fler<span class=\"__9 _348\"/>a jurisdiktioner<span class=\"__9 _ee_2\"> </span>59<span class=\"__9 _1f_5\"> </span>-9<span class=\"__9 _374\"> </span>34<span class=\"__9 _b0_1\"> </span>\u2013<span class=\"__9 _4d_1\"> </span>\u2013<span class=\"__9 _1d_5\"> </span>84<span class=\"__9 _356\"> </span>Kvittning a<span class=\"__9 _413\"/>v uppskjutna skattefor<span class=\"__9 _348\"/>dringar och skulder<span class=\"__9 _10f_1\"> </span>-195<span class=\"__9 _b5_2\"> </span>20<span class=\"__9 _4e_1\"> </span>2<span class=\"__9 _b0_1\"> </span>\u2013<span class=\"__9 _ad_1\"> </span>1<span class=\"__9 _381\"> </span><span class=\"ls3_8 ws6_8\">-17<span class=\"__9 _a_8\"/>2<span class=\"__9 _356\"> </span></span>Summa<span class=\"__9 _458\"> </span>535<span class=\"__9 _1d_5\"> </span><span class=\"ls4_8 ws7_8\">43<span class=\"__9 _369\"> </span></span>-6<span class=\"__9 _5f_1\"> </span>62<span class=\"__9 _396\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _a_8\"/>2<span class=\"__9 _3f_3\"> </span></span>622<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _459\"> </span>1 jan 2021<span class=\"__9 _356\"> </span>Redovisat <span class=\"__9 _c_8\"/> i resulta<span class=\"__9 _348\"/>t- r\u00e4kningen<span class=\"__9 _356\"> </span>Redovisat  i \u00f6vrigt totalresul<span class=\"__9 _413\"/>tat<span class=\"__9 _356\"> </span>V<span class=\"__9 _413\"/>alutakurs-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">differenser<span class=\"__9 _356\"> </span></span>\u00d6vriga <span class=\"__9 _c_8\"/> f\u00f6r\u00e4ndringar<span class=\"__9 _460\"> </span>31 dec 2021<span class=\"__9 _356\"> </span>Uppskjutna skatteskul<span class=\"__9 _348\"/>der<span class=\"__9 _356\"> </span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__9 _d3_1\"> </span>399<span class=\"__9 _382\"> </span>2<span class=\"__9 _4e_1\"> </span>5<span class=\"__9 _b0_1\"> </span>\u2013<span class=\"__9 _ad_1\"> </span>1<span class=\"__9 _367\"> </span>407<span class=\"__9 _356\"> </span>Aktier<span class=\"__9 _456\"> </span>54<span class=\"__9 _375\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _a_8\"/>5<span class=\"__9 _373\"> </span></span>\u2013<span class=\"__9 _4f_1\"> </span>\u2013<span class=\"__9 _442\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _b5_2\"> </span></span>38<span class=\"__9 _356\"> </span>Derivatinstrumen<span class=\"__9 _413\"/>t/obligationer<span class=\"__9 _428\"> </span>11<span class=\"__9 _382\"> </span>3<span class=\"__9 _373\"> </span>\u2013<span class=\"__9 _442\"> </span>1<span class=\"__9 _4d_1\"> </span>\u2013<span class=\"__9 _370\"> </span>15<span class=\"__9 _356\"> </span>Immateriella tillg\u00e5ngar<span class=\"__9 _eb_1\"> </span><span class=\"ls4_8 ws7_8\">77<span class=\"__9 _1d_5\"> </span><span class=\"ls16_7 ws1a_7\">42<span class=\"__9 _373\"> </span></span></span>\u2013<span class=\"__9 _442\"> </span>1<span class=\"__9 _4d_1\"> </span>\u2013<span class=\"__9 _359\"> </span>120<span class=\"__9 _356\"> </span>Materiella tillg\u00e5ngar<span class=\"__9 _e5_1\"> </span>\u2013<span class=\"__9 _2f_3\"> </span>11<span class=\"__9 _373\"> </span>\u2013<span class=\"__9 _4f_1\"> </span>\u2013<span class=\"__9 _4d_1\"> </span>\u2013<span class=\"__9 _2f_3\"> </span>11<span class=\"__9 _356\"> </span>F\u00f6rvaltningsf<span class=\"__9 _413\"/>astigheter<span class=\"__9 _eb_1\"> </span>11<span class=\"__9 _1f_5\"> </span>-3<span class=\"__9 _373\"> </span>\u2013<span class=\"__9 _4f_1\"> </span>\u2013<span class=\"__9 _b0_1\"> </span>-6<span class=\"__9 _382\"> </span>2<span class=\"__9 _356\"> </span>Pensioner<span class=\"__9 _461\"> </span>41<span class=\"__9 _382\"> </span>5<span class=\"__9 _373\"> </span>8<span class=\"__9 _390\"> </span>2<span class=\"__9 _4d_1\"> </span>\u2013<span class=\"__9 _b5_2\"> </span>56<span class=\"__9 _356\"> </span>Skulder<span class=\"__9 _413\"/>/a<span class=\"__9 _413\"/>vs\u00e4ttningar<span class=\"__9 _462\"> </span>0<span class=\"__9 _5f_1\"> </span>1<span class=\"__9 _373\"> </span>\u2013<span class=\"__9 _4f_1\"> </span>\u2013<span class=\"__9 _4d_1\"> </span>\u2013<span class=\"__9 _5f_1\"> </span>1<span class=\"__9 _356\"> </span>\u00d6vrigt<span class=\"__9 _456\"> </span>18<span class=\"__9 _2e_3\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _373\"> </span></span>\u2013<span class=\"__9 _b0_1\"> </span>\u2013<span class=\"__9 _a8_2\"> </span>4<span class=\"__9 _370\"> </span>21<span class=\"__9 _356\"> </span>Elimineringar av tempor<span class=\"__9 _413\"/>\u00e4ra skillnader som f\u00f6rekommer i fler<span class=\"__9 _348\"/>a jurisdiktioner<span class=\"__9 _463\"> </span>267<span class=\"__9 _365\"> </span>-203<span class=\"__9 _369\"> </span><span class=\"ls4_8 ws7_8\">-4<span class=\"__9 _373\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _4d_1\"> </span></span></span>\u2013<span class=\"__9 _1d_5\"> </span>59<span class=\"__9 _356\"> </span>Kvittning a<span class=\"__9 _413\"/>v uppskjutna skattefor<span class=\"__9 _348\"/>dringar och skulder<span class=\"__9 _ce_2\"> </span>-442<span class=\"__9 _3f_3\"> </span>258<span class=\"__9 _2d_3\"> </span><span class=\"ls3_8 ws6_8\">-11<span class=\"__9 _4f_1\"> </span></span>\u2013<span class=\"__9 _4d_1\"> </span>\u2013<span class=\"__9 _380\"> </span>-195<span class=\"__9 _356\"> </span>Summa<span class=\"__9 _464\"> </span>436<span class=\"__9 _3f_3\"> </span>100<span class=\"__9 _396\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _390\"> </span></span>3<span class=\"__9 _a9_2\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _364\"> </span></span>535<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _465\"> </span>1 jan 2021<span class=\"__9 _356\"> </span>Redovisat <span class=\"__9 _c_8\"/> i resulta<span class=\"__9 _348\"/>t- r\u00e4kningen<span class=\"__9 _356\"> </span>Redovisat <span class=\"__9 _c_8\"/> i \u00f6vrigt <span class=\"__9 _c_8\"/> totalresul<span class=\"__9 _413\"/>tat<span class=\"__9 _356\"> </span>V<span class=\"__9 _413\"/>alutakurs-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">differenser<span class=\"__9 _356\"> </span></span>\u00d6vriga <span class=\"__9 _c_8\"/> f\u00f6r\u00e4ndringar<span class=\"__9 _460\"> </span>31 dec 2021<span class=\"__9 _356\"> </span>Uppskjutna skattef<span class=\"__9 _413\"/>ordringar<span class=\"__9 _356\"> </span>Skattem\u00e4ssiga underskott<span class=\"__9 _466\"> </span>123<span class=\"__9 _361\"> </span><span class=\"ls3_8 ws6_8\">-114<span class=\"__9 _ab_1\"> </span></span>\u2013<span class=\"__9 _e6_1\"> </span>1<span class=\"__9 _a8_2\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _382\"> </span></span>8<span class=\"__9 _356\"> </span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__9 _d3_1\"> </span><span class=\"ls3_8 ws6_8\">76<span class=\"__9 _1f_5\"> </span>17<span class=\"__9 _370\"> </span>-17<span class=\"__9 _e0_1\"> </span></span>\u2013<span class=\"__9 _db_1\"> </span>1<span class=\"__9 _370\"> </span><span class=\"ls4_8 ws7_8\">77<span class=\"__9 _356\"> </span></span>Derivatinstrumen<span class=\"__9 _413\"/>t/obligationer<span class=\"__9 _400\"> </span>129<span class=\"__9 _359\"> </span>-40<span class=\"__9 _6a_1\"> </span>3<span class=\"__9 _e0_1\"> </span>6<span class=\"__9 _7b_1\"> </span>\u2013<span class=\"__9 _1d_5\"> </span>98<span class=\"__9 _356\"> </span>Pensioner<span class=\"__9 _448\"> </span>94<span class=\"__9 _1f_5\"> </span>-6<span class=\"__9 _ed_1\"> </span>4<span class=\"__9 _de_1\"> </span>2<span class=\"__9 _7b_1\"> </span>\u2013<span class=\"__9 _1d_5\"> </span>94<span class=\"__9 _356\"> </span>Skulder<span class=\"__9 _413\"/>/a<span class=\"__9 _413\"/>vs\u00e4ttningar<span class=\"__9 _fd_1\"> </span>154<span class=\"__9 _375\"> </span><span class=\"ls3_8 ws6_8\">-57<span class=\"__9 _ed_1\"> </span></span>\u2013<span class=\"__9 _db_1\"> </span>1<span class=\"__9 _7b_1\"> </span>\u2013<span class=\"__9 _1d_5\"> </span>98<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vr\u00e4kningsbar utl\u00e4ndsk skatt<span class=\"__9 _467\"> </span><span class=\"ls2_8 ws5_8\">249<span class=\"__9 _365\"> </span>-24<span class=\"__9 _a_8\"/>9<span class=\"__9 _ed_1\"> </span></span>\u2013<span class=\"__9 _7b_1\"> </span>\u2013<span class=\"__9 _7b_1\"> </span>\u2013<span class=\"__9 _368\"> </span>0<span class=\"__9 _356\"> </span>\u00d6vrigt<span class=\"__9 _11a_2\"> </span><span class=\"ls4_8 ws7_8\">23<span class=\"__9 _372\"> </span></span>10<span class=\"__9 _ed_1\"> </span>\u2013<span class=\"__9 _7b_1\"> </span>\u2013<span class=\"__9 _e0_1\"> </span>5<span class=\"__9 _b5_2\"> </span>38<span class=\"__9 _356\"> </span>Kvittning a<span class=\"__9 _413\"/>v uppskjutna skattefor<span class=\"__9 _348\"/>dringar och skulder<span class=\"__9 _f7_1\"> </span>-44<span class=\"__9 _a_8\"/>2<span class=\"__9 _3f_3\"> </span>258<span class=\"__9 _1f_5\"> </span><span class=\"ls3_8 ws6_8\">-11<span class=\"__9 _e0_1\"> </span></span>\u2013<span class=\"__9 _7b_1\"> </span>\u2013<span class=\"__9 _3d_3\"> </span>-195<span class=\"__9 _356\"> </span>Summa<span class=\"__9 _e2_1\"> </span>406<span class=\"__9 _380\"> </span>-181<span class=\"__9 _372\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _a_8\"/>1<span class=\"__9 _455\"> </span></span>10<span class=\"__9 _7b_1\"> </span>4<span class=\"__9 _364\"> </span>218<span class=\"__9 _356\"> </span>Ej redovisade uppskjutna ska<span class=\"__9 _413\"/>ttefordringar Mn euro<span class=\"__9 _11b_2\"> </span>31 dec 2022<span class=\"__9 _11c_2\"> </span>31 dec 2021<span class=\"__9 _356\"> </span>Outnyttjade skattem\u00e4ssiga undersko<span class=\"__9 _413\"/>tt utan f\u00f6rfallo<span class=\"__9 _413\"/>tidpunkt<span class=\"__9 _9b_1\"> </span>40<span class=\"__9 _374\"> </span>40<span class=\"__9 _356\"> </span>Outnyttjade skattem\u00e4ssiga undersk<span class=\"__9 _348\"/>ott <span class=\"__9 _de_1\"> </span>40<span class=\"__9 _2d_3\"> </span>40<span class=\"__9 _356\"> </span>Outnyttjade skattem\u00e4ssiga a<span class=\"__9 _413\"/>vdrag med f\u00f6rfall inom 12 m\u00e5nader<span class=\"__9 _412\"> </span>3<span class=\"__9 _373\"> </span>4<span class=\"__9 _356\"> </span>Outnyttjade skattem\u00e4ssiga a<span class=\"__9 _413\"/>vdrag med f\u00f6rfall eft<span class=\"__9 _413\"/>er 12 m\u00e5nader<span class=\"__9 _11d_2\"> </span><span class=\"ls2_8 ws5_8\">4<span class=\"__9 _a_8\"/>24<span class=\"__9 _b5_2\"> </span></span>556<span class=\"__9 _356\"> </span>Outnyttjade skattem\u00e4ssiga a<span class=\"__9 _413\"/>vdrag <span class=\"__9 _b9_2\"> </span>427<span class=\"__9 _371\"> </span>560<span class=\"__9 _356\"> </span>Summa<span class=\"__9 _431\"> </span>467<span class=\"__9 _387\"> </span>600<span class=\"__9 _356\"> </span>Vid utg\u00e5ngen a<span class=\"__9 _348\"/>v 2022 redovisade Nor<span class=\"__9 _348\"/>deakoncernen 165 mn euro (218 mn euro<span class=\"__9 _348\"/>) i uppskjutna skattef<span class=\"__9 _413\"/>ordringar i balansr\u00e4k-<span class=\"__9 _356\"> </span>ningen. Redovisningen och v<span class=\"__9 _413\"/>\u00e4rderingen av uppskjutna skat-<span class=\"__9 _356\"> </span>tef<span class=\"__9 _348\"/>ordringar baseras p\u00e5 en bed\u00f6mning a<span class=\"__9 _413\"/>v sannolikheten och beloppet f\u00f6r f<span class=\"__9 _413\"/>ramtida beskattningsbar<span class=\"__9 _348\"/>a vinster och p\u00e5 fr<span class=\"__9 _413\"/>am-<span class=\"__9 _356\"> </span>tida \u00e5terf<span class=\"__9 _348\"/>\u00f6ringar av be\ufb01n<span class=\"__9 _413\"/>tliga beskattningsbara tempor<span class=\"__9 _348\"/>\u00e4ra skillnader<span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>Dessutom har koncernen ej r<span class=\"__9 _413\"/>edovisade uppskjutna skatte-<span class=\"__9 _356\"> </span>for<span class=\"__9 _348\"/>dringar p\u00e5 40 mn euro (<span class=\"__9 _413\"/>40 mn euro) avs<span class=\"__9 _348\"/>eende under-<span class=\"__9 _356\"> </span>skottsa<span class=\"__9 _413\"/>vdrag i olika f\u00f6r<span class=\"__9 _413\"/>etag samt 427 mn euro (560 mn euro) avseende outn<span class=\"__9 _413\"/>yttjade utl\u00e4ndska skattekrediter<span class=\"__9 _357\"/>. Ej redovisade uppskjutna skattef<span class=\"__9 _413\"/>ordringar avseende ska<span class=\"__9 _413\"/>ttem\u00e4ssiga f\u00f6rlus-<span class=\"__9 _356\"> </span>ter kan \u00e5tervinnas om e<span class=\"__9 _413\"/>xtraordin\u00e4ra beskattningsbar<span class=\"__9 _413\"/>a inkom-<span class=\"__9 _356\"> </span>ster skull<span class=\"__9 _348\"/>e uppst\u00e5 i de ber\u00f6r<span class=\"__9 _348\"/>da f\u00f6r<span class=\"__9 _413\"/>etagen. Ej redovisade upp-<span class=\"__9 _356\"> </span>skjutna skattef<span class=\"__9 _413\"/>ordringar avseende utl\u00e4ndska ska<span class=\"__9 _413\"/>ttekrediter kan \u00e5tervinnas i h\u00e4ndelse a<span class=\"__9 _413\"/>v ov\u00e4ntade skillnader i beska<span class=\"__9 _413\"/>tt-<span class=\"__9 _356\"> </span>ningstidpunk<span class=\"__9 _348\"/>ter eller skattem\u00e4ssiga v<span class=\"__9 _413\"/>\u00e4rden mellan huvud-<span class=\"__9 _356\"> </span>kont<span class=\"__9 _413\"/>or och \ufb01lialer.<span class=\"__9 _356\"> </span>K2.<span class=\"__9 _357\"/>11 <span class=\"__9 _b6_2\"> </span>Resul<span class=\"__9 _413\"/>tat per ak<span class=\"__9 _413\"/>tie<span class=\"__9 _356\"> </span>Redovisningsprinciper Resulta<span class=\"__9 _413\"/>t per aktie f\u00f6re utsp\u00e4dning ber<span class=\"__9 _413\"/>\u00e4knas som \u00e5rets resul-<span class=\"__9 _356\"> </span>tat h\u00e4n<span class=\"__9 _348\"/>f\u00f6rligt till ak<span class=\"__9 _413\"/>tie\u00e4gare i Nordea Bank Abp divider<span class=\"__9 _348\"/>at med v\u00e4gt genomsnittligt an<span class=\"__9 _348\"/>tal utest\u00e5ende s<span class=\"__9 _413\"/>tamaktier under perioden.<span class=\"__9 _356\"> </span>Resulta<span class=\"__9 _413\"/>t per aktie efter utsp\u00e4dning fas<span class=\"__9 _413\"/>tst\u00e4lls genom att jus<span class=\"ls0_9\">-<span class=\"__9 _356\"> </span></span>tera det v<span class=\"__9 _348\"/>\u00e4gda genomsnittliga antalet ut<span class=\"__9 _348\"/>est\u00e5ende st<span class=\"__9 _413\"/>amaktier <span class=\"__9 _356\">f\u00f6r eff</span><span class=\"__9 _413\"/>ekten a<span class=\"__9 _413\"/>v alla potentiella utsp\u00e4dningsbara s<span class=\"__9 _413\"/>tamaktier<span class=\"__9 _413\"/>, vilka utg\u00f6rs av r<span class=\"__9 _413\"/>\u00e4tten till presta<span class=\"__9 _413\"/>tionsaktier enligt de l\u00e5ngsiktiga incitamentspr<span class=\"__9 _348\"/>ogrammen sam<span class=\"__9 _348\"/>t kontr<span class=\"__9 _413\"/>akt som kan regleras med Nordea<span class=\"ws0_9\">aktier<span class=\"__9 _357\"/>, dvs. derivat s\u00e5som optioner och w<span class=\"__9 _413\"/>arranter och </span>motsvar<span class=\"__9 _413\"/>ande. S\u00e5dana kontrak<span class=\"__9 _348\"/>t p\u00e5v<span class=\"__9 _413\"/>erkar resultatet per ak<span class=\"__9 _413\"/>tie<span class=\"__9 _a_8\"/> efter utsp\u00e4dning endast i de f<span class=\"__9 _413\"/>all d\u00e4r den genomsnittliga kursen p\u00e5 stamak<span class=\"__9 _413\"/>tier under perioden \u00e4r h\u00f6gre \u00e4n l\u00f6senkursen f\u00f6r optionerna eller warr<span class=\"__9 _413\"/>anterna (det vill s\u00e4ga om de har ett realv<span class=\"__9 _413\"/>\u00e4rde).<span class=\"__9 _356\"> </span>Pot<span class=\"__9 _413\"/>entiella stamaktier ans<span class=\"__9 _348\"/>es endast medf<span class=\"__9 _413\"/>\u00f6ra en utsp\u00e4d<span class=\"ls0_9\">-<span class=\"__9 _356\"> </span></span><span class=\"__9 _356\">ningseffek</span><span class=\"__9 _413\"/>t p\u00e5 balansdagen om samtliga result<span class=\"__9 _348\"/>atvillkor har uppfyllts och om en kon<span class=\"__9 _413\"/>ver<span class=\"__9 _a_8\"/>tering till stamak<span class=\"__9 _413\"/>tier skulle minska vinsten per ak<span class=\"__9 _413\"/>tie. Vidare anses r\u00e4ttigheterna endas<span class=\"__9 _413\"/>t medf\u00f6ra <span class=\"__9 _356\">en utsp\u00e4dningseffek</span><span class=\"__9 _413\"/>t om l\u00f6senpriset, med till\u00e4gg f\u00f6r fram<span class=\"__9 _413\"/>tida<span class=\"__9 _a_8\"/> tj\u00e4nster<span class=\"__9 _357\"/>, \u00e4r l\u00e4gre \u00e4n periodens genomsnittliga aktiekurs.<span class=\"__9 _356\"> </span>Resul<span class=\"__9 _413\"/>tat per aktie<span class=\"__9 _356\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Resulta<span class=\"__9 _413\"/>t<span class=\"__9 _a_8\"/>:<span class=\"__9 _356\"> </span>Resulta<span class=\"__9 _348\"/>t h\u00e4nf<span class=\"__9 _348\"/>\u00f6rligt till aktie\u00e4gare i Nor<span class=\"__9 _413\"/>dea Bank Abp, mn eur<span class=\"__9 _348\"/>o<span class=\"__9 _bd_2\"> </span><span class=\"ls3_8 ws6_8\">3 576<span class=\"__9 _386\"> </span></span>3 805<span class=\"__9 _356\"> </span>Antal ak<span class=\"__9 _413\"/>tier (miljoner):<span class=\"__9 _356\"> </span>Antal utes<span class=\"__9 _413\"/>t\u00e5ende aktier vid \u00e5rets b\u00f6rjan<span class=\"__9 _e0_1\"> </span>3 966<span class=\"__9 _362\"> </span>4 050<span class=\"__9 _356\"> </span>Genomsnittligt antal \u00e5t<span class=\"__9 _413\"/>erk\u00f6pta aktier inom \u00e5terk\u00f6psprogr<span class=\"__9 _413\"/>ammet<span class=\"__9 _11e_2\"> </span><span class=\"ls3_8 ws6_8\">-170 <span class=\"__9 _381\"> </span>-1<span class=\"__9 _a_8\"/>3<span class=\"__9 _356\"> </span></span>Genomsnittligt antal ak<span class=\"__9 _413\"/>tier som innehas f\u00f6r ers\u00e4ttnings\u00e4ndam\u00e5l eller i handelslagret<span class=\"__9 _11f_2\"> </span><span class=\"ls3_8 ws6_8\">-17<span class=\"__9 _364\"> </span>-14<span class=\"__9 _356\"> </span></span>V<span class=\"__9 _413\"/>\u00e4gt genomsnittligt antal utest\u00e5ende aktier f\u00f6re utsp\u00e4dning<span class=\"__9 _398\"> </span>3 779<span class=\"__9 _362\"> </span>4 023<span class=\"__9 _356\"> </span>Justering f<span class=\"__9 _413\"/>\u00f6r v\u00e4gt genomsnittligt antal ytterligare utes<span class=\"__9 _348\"/>t\u00e5ende stamak<span class=\"__9 _348\"/>tier efter <span class=\"__9 _356\">utsp\u00e4dning1</span><span class=\"__9 _347\"> </span>3<span class=\"__9 _2e_3\"> </span>2<span class=\"__9 _356\"> </span>V<span class=\"__9 _413\"/>\u00e4gt genomsnittligt antal utest\u00e5ende aktier efter utsp\u00e4dning<span class=\"__9 _8a_1\"> </span>3 782<span class=\"__9 _3b_3\"> </span>4 02<span class=\"__9 _a_8\"/>5<span class=\"__9 _356\"> </span>Resulta<span class=\"__9 _348\"/>t per aktie f<span class=\"__9 _413\"/>\u00f6re utsp\u00e4dning, euro <span class=\"__9 _421\"> </span>0,95<span class=\"__9 _363\"> </span>0,95<span class=\"__9 _356\"> </span>Resulta<span class=\"__9 _348\"/>t per aktie efter utsp\u00e4dning, eur<span class=\"__9 _413\"/>o <span class=\"__9 _e0_1\"> </span>0,95<span class=\"__9 _1b_5\"> </span>0,95<span class=\"__9 _356\"> </span>1) <span class=\"__9 _468\"> </span> A<span class=\"__9 _413\"/>vser <span class=\"__9 _389\"> </span><span class=\"ws0_9\">Nordea Incentiv<span class=\"__9 _348\"/>e Plan (NIP) 2022 och de l\u00e5ngsiktiga incitamen<span class=\"__9 _348\"/>tsprogrammen </span>(L<span class=\"__9 _357\"/>TIP). F\u00f6r ytterligare informa<span class=\"__9 _413\"/>tion om dessa plan, se not K8.3 \u201d<span class=\"__9 _413\"/>Aktierelaterade ers\u00e4ttningsprogram\u201dK3 <span class=\"__10 _478\"> </span>Finansiella instrumen<span class=\"__10 _471\"/>t<span class=\"__10 _469\"> </span>K3.<span class=\"__10 _479\"/>1 <span class=\"__10 _a_9\"> </span> <span class=\"__10 _b_9\"/>Redo<span class=\"__10 _471\"/>visning och bortbokning<span class=\"__10 _469\"> </span>i balansr\u00e4kningen<span class=\"__10 _469\"> </span>Redovisningsprinciper<span class=\"__10 _469\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsdagsredovisning till\u00e4mpas vid r<span class=\"__10 _471\"/>edovisning och bortbok-<span class=\"__10 _469\"> </span>ning av deriv<span class=\"__10 _471\"/>atinstrumen<span class=\"__10 _471\"/>t, b\u00f6rsnoterade v<span class=\"__10 _471\"/>\u00e4rdepapper och<span class=\"__10 _469\"> </span>avis<span class=\"__10 _471\"/>tatr<span class=\"__10 _471\"/>ansaktioner i utl\u00e4ndsk v<span class=\"__10 _471\"/>aluta, och en tillg\u00e5ng eller<span class=\"__10 _469\"> </span>skuld redo<span class=\"__10 _471\"/>visas i balansr\u00e4kningen under \u201d\u00d6vriga tillg\u00e5ngar<span class=\"__10 _c_9\"/>\u201d<span class=\"__10 _469\"> </span>eller \u201d\u00d6vriga skulder<span class=\"__10 _c_9\"/><span class=\"__10 _469\">\u201d mellan aff\u00e4rsdagen och likviddagen.<span class=\"__10 _469\"> </span></span>\u00d6vriga \ufb01nansiella instrument r<span class=\"__10 _471\"/>edovisas i balansr<span class=\"__10 _471\"/>\u00e4kningen p\u00e5<span class=\"__10 _469\"> </span>likviddagen.<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar<span class=\"__10 _471\"/>, andr<span class=\"__10 _471\"/>a \u00e4n de f\u00f6r vilka a<span class=\"__10 _471\"/><span class=\"__10 _469\">ff\u00e4rsdagsr</span><span class=\"__10 _471\"/>edo-<span class=\"__10 _469\"> </span>visning till\u00e4mpas, bokas bort fr\u00e5n balansr\u00e4kningen n\u00e4r den<span class=\"__10 _469\"> </span>avtals<span class=\"__10 _471\"/>enliga r\u00e4tt<span class=\"__10 _471\"/>en till kassafl\u00f6det fr<span class=\"__10 _471\"/>\u00e5n de \ufb01nansiella tillg\u00e5ng-<span class=\"__10 _469\"> </span>arna upph\u00f6r att g\u00e4lla eller \u00f6v<span class=\"__10 _471\"/>erf\u00f6rs till annan part. R\u00e4tten till<span class=\"__10 _469\"> </span>kassafl\u00f6det upph\u00f6r att g\u00e4lla eller \u00f6<span class=\"__10 _471\"/>verf\u00f6rs vanligen n\u00e4r mo<span class=\"__10 _471\"/>t-<span class=\"__10 _469\"> </span>parten har uppfyllt sin del a<span class=\"__10 _471\"/>v avt<span class=\"__10 _471\"/>alet genom att t.ex. betala<span class=\"__10 _469\"> </span>tillbaka ett l\u00e5n till Nordea, dvs. p\u00e5 likviddagen.<span class=\"__10 _469\"> </span>L\u00e5n och andra \ufb01nansiella tillg\u00e5ngar d\u00e4r kassa<span class=\"__10 _471\"/>fl\u00f6dena har<span class=\"__10 _469\"> </span>juster<span class=\"__10 _471\"/>ats, eller som ing\u00e5r i en rek<span class=\"__10 _471\"/>onstruk<span class=\"__10 _471\"/>tion, bokas bort fr\u00e5n<span class=\"__10 _469\"> </span>balansr\u00e4kningen, och ett nytt l\u00e5n r<span class=\"__10 _471\"/>edovisas om villkoren f<span class=\"__10 _471\"/>\u00f6r<span class=\"__10 _469\"> </span>det nya l\u00e5net v<span class=\"__10 _471\"/>\u00e4sentligen skiljer sig f<span class=\"__10 _471\"/>r\u00e5n de tidigare villk<span class=\"__10 _471\"/>oren.<span class=\"__10 _469\"> </span>Normalt brukar detta ske om nuv<span class=\"__10 _471\"/>\u00e4rdet a<span class=\"__10 _471\"/>v kassafl\u00f6det f<span class=\"__10 _471\"/>r\u00e5n<span class=\"__10 _469\"> </span>det nya l\u00e5net, diskont<span class=\"__10 _471\"/>erat med den ursprungliga r<span class=\"__10 _471\"/>\u00e4ntan, skil<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>jer sig mer \u00e4n 10 procen<span class=\"__10 _471\"/>t fr\u00e5n nuv<span class=\"__10 _471\"/>\u00e4rdet a<span class=\"__10 _471\"/>v det \u00e5ters<span class=\"__10 _471\"/>t\u00e5ende<span class=\"__10 _469\"> </span>f\u00f6rv\u00e4n<span class=\"__10 _471\"/>tade kassafl\u00f6det f<span class=\"__10 _471\"/>r\u00e5n det gamla l\u00e5net. Samma princi-<span class=\"__10 _469\"> </span>per g\u00e4ller f\u00f6r \ufb01nansiella sk<span class=\"__10 _471\"/>ulder<span class=\"__10 _471\"/>. Villk<span class=\"__10 _471\"/>oren anses \u00e4<span class=\"__10 _471\"/>ven skilja<span class=\"__10 _469\"> </span>sig \u00e5t v\u00e4sen<span class=\"__10 _471\"/>tligt f<span class=\"__10 _471\"/>\u00f6r \ufb01nansiella tillg\u00e5ngar<span class=\"__10 _471\"/>, d\u00e4r det jus<span class=\"__10 _471\"/>terade<span class=\"__10 _469\"> </span>kassafl\u00f6det endast ut<span class=\"__10 _471\"/>g\u00f6rs av betalning a<span class=\"__10 _471\"/>v kapitalbelopp och<span class=\"__10 _469\"> </span>r\u00e4n<span class=\"__10 _471\"/>ta (SPPI), medan detta int<span class=\"__10 _471\"/>e var f<span class=\"__10 _471\"/>allet f\u00f6r det ursprungliga<span class=\"__10 _469\"> </span>kassafl\u00f6det och vice versa.<span class=\"__10 _469\"> </span>I vissa fall genom<span class=\"__10 _471\"/>f\u00f6rs tr<span class=\"__10 _471\"/>ansaktioner d\u00e4r Nordea \u00f6<span class=\"__10 _471\"/>verf<span class=\"__10 _471\"/>\u00f6r till-<span class=\"__10 _469\"> </span>g\u00e5ngar som redovisas i balansr<span class=\"__10 _471\"/>\u00e4kningen, men samtidigt<span class=\"__10 _469\"> </span>beh\u00e5ller antingen hela eller delar a<span class=\"__10 _471\"/>v risken och r<span class=\"__10 _471\"/>\u00e4ttigheterna<span class=\"__10 _469\"> </span>f\u00f6rknippade med de \u00f6<span class=\"__10 _471\"/>verf\u00f6r<span class=\"__10 _471\"/>da tillg\u00e5ngarna. Om alla eller i<span class=\"__10 _469\"> </span>stort sett alla risker och r\u00e4<span class=\"__10 _471\"/>ttigheter beh\u00e5lls, bokas in<span class=\"__10 _471\"/>te de<span class=\"__10 _469\"> </span>\u00f6verf<span class=\"__10 _471\"/>\u00f6rda tillg\u00e5ngarna bort fr\u00e5n balansr<span class=\"__10 _471\"/>\u00e4kningen. Om<span class=\"__10 _469\"> </span>Nordeas motpart kan s\u00e4lja eller pants\u00e4<span class=\"__10 _471\"/>tta de \u00f6v<span class=\"__10 _471\"/>erf\u00f6rda till<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>g\u00e5ngarna p\u00e5 nytt, omklassi\ufb01ceras tillg\u00e5ngarna i balansr\u00e4k<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>ningen till \u201dPan<span class=\"__10 _471\"/>tsatta \ufb01nansiella ins<span class=\"__10 _471\"/>trument\u201d<span class=\"__10 _d_9\"/>. \u00d6verf\u00f6ring a<span class=\"__10 _d_9\"/>v<span class=\"__10 _469\"> </span>tillg\u00e5ngar med bibeh\u00e5llande av alla eller i s<span class=\"__10 _d_9\"/>tor<span class=\"__10 _c_9\"/>t sett alla risker<span class=\"__10 _469\"> </span>och r\u00e4ttighet<span class=\"__10 _471\"/>er omf<span class=\"__10 _d_9\"/>attar bl.a. avtal om v\u00e4rdepappersl\u00e5n och<span class=\"__10 _469\"> </span>\u00e5terk\u00f6psa<span class=\"__10 _d_9\"/>vtal.<span class=\"__10 _469\"> </span>Finansiella skulder bokas bort fr\u00e5n balansr<span class=\"__10 _d_9\"/>\u00e4kningen n\u00e4r de<span class=\"__10 _469\"> </span>upph\u00f6r<span class=\"__10 _d_9\"/>. Normalt sker detta n\u00e4r Nordea fullg\u00f6r sin del a<span class=\"__10 _d_9\"/>v avta<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>let, till exempel n\u00e4r Nor<span class=\"__10 _471\"/>dea \u00e5terbetalar inl\u00e5ning till mo<span class=\"__10 _471\"/>tpar-<span class=\"__10 _469\"> </span>ten, dvs. p\u00e5 likviddagen.<span class=\"__10 _469\"> </span>F\u00f6rs\u00e4ljning a<span class=\"__10 _d_9\"/>v v\u00e4rdepapper som inte \u00e4gs a<span class=\"__10 _d_9\"/>v Nordea<span class=\"ls2_9 ws3_9\"> de\ufb01</span>-<span class=\"__10 _469\"> </span>nieras som blankning och redo<span class=\"__10 _d_9\"/>visas som en tradingrelaterad<span class=\"__10 _469\"> </span>skuld (s\u00e5lda, ej inneha<span class=\"__10 _d_9\"/>vda v\u00e4rdepapper) under \u201d\u00d6vriga skul-<span class=\"__10 _469\"> </span>der<span class=\"__10 _c_9\"/>\u201d i balansr\u00e4kningen. Blankningen t\u00e4cks i allm\u00e4nhet geno<span class=\"__10 _469\"> </span>en transak<span class=\"__10 _471\"/>tion avs<span class=\"__10 _471\"/>eende v\u00e4rdepappers\ufb01nansiering (SFT),<span class=\"__10 _469\"> </span>oftast ett om<span class=\"__10 _471\"/>v\u00e4n<span class=\"__10 _471\"/>t \u00e5terk\u00f6psa<span class=\"__10 _d_9\"/>vtal eller andra typer a<span class=\"__10 _471\"/>v avtal om<span class=\"__10 _469\"> </span>inl\u00e5ning av v<span class=\"__10 _d_9\"/>\u00e4rdepapper<span class=\"__10 _471\"/>.<span class=\"__10 _469\"> </span>Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__10 _d_9\"/>ttningar <span class=\"__10 _e_9\"/> L\u00e5n och andra \ufb01nansiella tillg\u00e5ngar d\u00e4r kassa<span class=\"__10 _471\"/>fl\u00f6dena har jus-<span class=\"__10 _469\"> </span>tera<span class=\"__10 _471\"/>ts, eller som ing\u00e5r i en rekons<span class=\"__10 _471\"/>truktion, bokas bort fr<span class=\"__10 _471\"/>\u00e5n<span class=\"__10 _469\"> </span>balansr\u00e4kningen, och ett nytt l\u00e5n r<span class=\"__10 _471\"/>edovisas om villkoren f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _469\"> </span>det nya l\u00e5net v<span class=\"__10 _471\"/>\u00e4sentligen skiljer sig f<span class=\"__10 _d_9\"/>r\u00e5n de tidigare villkoren.<span class=\"__10 _469\"> </span>Nordea anv<span class=\"__10 _471\"/>\u00e4nder sig av bed\u00f6mningar f<span class=\"__10 _d_9\"/>\u00f6r att av<span class=\"__10 _471\"/>g\u00f6ra om vill-<span class=\"__10 _469\"> </span>koren f<span class=\"__10 _d_9\"/>\u00f6r det nya l\u00e5net v\u00e4sen<span class=\"__10 _471\"/>tligen skiljer sig fr\u00e5n de tidigar<span class=\"__10 _471\"/>e<span class=\"__10 _469\"> </span>villkoren. Som fr<span class=\"__10 _d_9\"/>amg\u00e5r av avsnitt<span class=\"__10 _471\"/>et \u201dRedovisningsprinciper\u201d<span class=\"__10 _469\"> </span>ovan, bed\u00f6ms villk<span class=\"__10 _471\"/>oren v\u00e4sen<span class=\"__10 _d_9\"/>tligen skilja sig fr\u00e5n de tidigare<span class=\"__10 _469\"> </span>om nuv\u00e4rdet a<span class=\"__10 _d_9\"/>v kassafl\u00f6det fr\u00e5n det ny<span class=\"__10 _d_9\"/>a l\u00e5net<span class=\"__10 _c_9\"/>, diskonter<span class=\"__10 _471\"/>at<span class=\"__10 _469\"> </span>med den ursprungliga r\u00e4ntan, a<span class=\"__10 _d_9\"/>vviker med mer \u00e4n 10 procent<span class=\"__10 _469\"> </span>fr\u00e5n nuv<span class=\"__10 _471\"/>\u00e4rdet a<span class=\"__10 _d_9\"/>v det \u00e5terst\u00e5ende f\u00f6rv\u00e4n<span class=\"__10 _d_9\"/>tade kassafl\u00f6det fr\u00e5n<span class=\"__10 _469\"> </span>det gamla l\u00e5net eller om det juster<span class=\"__10 _471\"/>ade kassafl\u00f6det endast<span class=\"__10 _469\"> </span>utg\u00f6rs av betalning a<span class=\"__10 _d_9\"/>v kapitalbelopp och r\u00e4nt<span class=\"__10 _471\"/>a (SPPI), medan<span class=\"__10 _469\"> </span>detta inte v<span class=\"__10 _d_9\"/>ar fallet f\u00f6r det ursprungliga kassafl\u00f6det och vic<span class=\"__10 _471\"/>e<span class=\"__10 _469\"> </span>versa. Det redovisade v<span class=\"__10 _471\"/>\u00e4rdet f<span class=\"__10 _471\"/>\u00f6r l\u00e5n, r\u00e4n<span class=\"__10 _471\"/>teb\u00e4rande v<span class=\"__10 _471\"/>\u00e4rdepap-<span class=\"__10 _469\"> </span>per och pantsatt<span class=\"__10 _471\"/>a \ufb01nansiella instrumen<span class=\"__10 _471\"/>t p\u00e5 tillg\u00e5ngssidan i<span class=\"__10 _469\"> </span>balansr\u00e4kningen uppg\u00e5r till 419 627 mn euro (<span class=\"__10 _d_9\"/>412 493 mn<span class=\"__10 _469\"> </span>euro).<span class=\"__10 _469\"> </span>K3.2 <span class=\"__10 _a_9\"> </span> <span class=\"__10 _b_9\"/>\u00d6verf\u00f6r<span class=\"__10 _471\"/>da tillg\u00e5ngar ocherh\u00e5llna s\u00e4kerheter<span class=\"__10 _469\"> </span>Redovisningsprinciper<span class=\"__10 _469\"> </span>Tillg\u00e5ngar anses var<span class=\"__10 _471\"/>a \u00f6verf<span class=\"__10 _471\"/>\u00f6rda fr<span class=\"__10 _471\"/>\u00e5n Nordea om Nordea<span class=\"__10 _469\"> </span>antingen \u00f6v<span class=\"__10 _d_9\"/>er<span class=\"__10 _c_9\"/>f\u00f6r den kon<span class=\"__10 _d_9\"/>traktsenliga r<span class=\"__10 _471\"/>\u00e4ttigheten a<span class=\"__10 _471\"/>tt erh\u00e5lla<span class=\"__10 _469\"> </span>kassafl\u00f6den fr<span class=\"__10 _471\"/>\u00e5n tillg\u00e5ngen eller beh\u00e5ller den r\u00e4ttighet<span class=\"__10 _d_9\"/>en<span class=\"__10 _469\"> </span>men har en kontr<span class=\"__10 _d_9\"/>aktsenlig skyldighet att betala kassafl\u00f6dena<span class=\"__10 _469\"> </span>till en eller flera parter<span class=\"__10 _d_9\"/>. Alla tillg\u00e5ngar som \u00f6<span class=\"__10 _471\"/>verf\u00f6rts redovisas<span class=\"__10 _469\"> </span>fortsatt i balansr<span class=\"__10 _471\"/>\u00e4kningen om Nordeas e<span class=\"__10 _471\"/>xponering f\u00f6r f<span class=\"__10 _d_9\"/>\u00f6r\u00e4nd-<span class=\"__10 _469\"> </span>ringar i verkligt v\u00e4r<span class=\"__10 _471\"/>de f\u00f6r tillg\u00e5ngen kv<span class=\"__10 _d_9\"/>ar<span class=\"__10 _c_9\"/>st\u00e5r<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>Erh\u00e5llen s\u00e4kerhet redovisas in<span class=\"__10 _d_9\"/>te i balansr\u00e4kningen s\u00e5vida<span class=\"__10 _469\"> </span>inte Nor<span class=\"__10 _471\"/>dea har en exponering f<span class=\"__10 _d_9\"/>\u00f6r f\u00f6r\u00e4ndringar i verkligt<span class=\"__10 _469\"> </span>v\u00e4rde f<span class=\"__10 _d_9\"/>\u00f6r tillg\u00e5ngen.<span class=\"__10 _469\"> </span>F\u00f6r in<span class=\"__10 _d_9\"/>formation om pantsa<span class=\"__10 _d_9\"/>tta \ufb01nansiella instrument, se not<span class=\"__10 _469\"> </span>K3.9 \u201dPan<span class=\"__10 _d_9\"/>tsatta \ufb01nansiella instrument\u201d<span class=\"__10 _469\"> </span><span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span>\u00d6verf\u00f6r<span class=\"__10 _471\"/>da tillg\u00e5ngar som f<span class=\"__10 _471\"/>ortsatt redovisas i balansr\u00e4kningen samt h\u00e4n<span class=\"__10 _d_9\"/>f\u00f6rliga skulder<span class=\"__10 _469\"> </span>\u00c5terk\u00f6psa<span class=\"__10 _d_9\"/>vtal \u00e4r en form av inl\u00e5ning mo<span class=\"__10 _d_9\"/>t s\u00e4kerhet d\u00e4r<span class=\"__10 _469\"> </span>Nordea s\u00e4ljer v\u00e4r<span class=\"__10 _471\"/>depapper med avtal om a<span class=\"__10 _d_9\"/>tt till ett fast pris<span class=\"__10 _469\"> </span>\u00e5terk\u00f6pa dessa vid ett s<span class=\"__10 _471\"/>enare datum.<span class=\"__10 _469\"> </span>A<span class=\"__10 _d_9\"/>vtal om utl\u00e5ning av v\u00e4r<span class=\"__10 _471\"/>depapper \u00e4r transak<span class=\"__10 _d_9\"/>tioner d\u00e4r<span class=\"__10 _469\"> </span>Nordea l\u00e5nar ut v\u00e4r<span class=\"__10 _471\"/>depapper till en motpart och erh\u00e5ller en<span class=\"__10 _469\"> </span>av<span class=\"__10 _d_9\"/>gift<span class=\"__10 _c_9\"/>. A<span class=\"__10 _d_9\"/>vtal om v\u00e4rdepappersl\u00e5n inneb\u00e4r i allm\u00e4nhet st\u00e4l<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>lande av s\u00e4k<span class=\"__10 _471\"/>erhet.<span class=\"__10 _469\"> </span>Eftersom b\u00e5de \u00e5t<span class=\"__10 _471\"/>erk\u00f6psa<span class=\"__10 _471\"/>vtal och v\u00e4rdepappersl\u00e5n inneb\u00e4r<span class=\"__10 _469\"> </span>att v\u00e4r<span class=\"__10 _471\"/>depappren \u00e5terl\u00e4mnas till Nor<span class=\"__10 _d_9\"/>dea, kvarst\u00e5r alla risker<span class=\"__10 _469\"> </span>och r\u00e4ttighet<span class=\"__10 _471\"/>er f\u00f6rknippade med de \u00f6<span class=\"__10 _471\"/>verf\u00f6r<span class=\"__10 _471\"/>da instrumen<span class=\"__10 _471\"/>ten<span class=\"__10 _469\"> </span>hos Nordea, \u00e4<span class=\"__10 _471\"/>ven om de in<span class=\"__10 _471\"/>te \u00e4r tillg\u00e4ngliga f<span class=\"__10 _471\"/>\u00f6r Nordea under<span class=\"__10 _469\"> </span>den period d\u00e5 de \u00e4r \u00f6verf<span class=\"__10 _471\"/>\u00f6rda. Motparten i transak<span class=\"__10 _d_9\"/>tionen<span class=\"__10 _469\"> </span>innehar v\u00e4rdepappr<span class=\"__10 _471\"/>en som s\u00e4kerhet, men har inte n\u00e5gon r\u00e4<span class=\"__10 _d_9\"/>tt<span class=\"__10 _469\"> </span>till andra tillg\u00e5ngar i Nordea. V<span class=\"__10 _d_9\"/>\u00e4rdepapper som har l\u00e4mnats<span class=\"__10 _469\"> </span>enligt \u00e5terk\u00f6psa<span class=\"__10 _d_9\"/>vtal och avtal om v<span class=\"__10 _471\"/>\u00e4rdepappersl\u00e5n bokas<span class=\"__10 _469\"> </span>d\u00e4rf\u00f6r in<span class=\"__10 _471\"/>te bort fr\u00e5n balansr\u00e4kningen. Om mo<span class=\"__10 _d_9\"/>tpar<span class=\"__10 _c_9\"/>ten har r\u00e4tt<span class=\"__10 _469\"> </span>att s\u00e4lja vidare eller pan<span class=\"__10 _d_9\"/>ts\u00e4tta v\u00e4rdepappren p\u00e5 n<span class=\"__10 _471\"/>ytt, omklas-<span class=\"__10 _469\"> </span>si\ufb01ceras dessa till pos<span class=\"__10 _471\"/>ten \u201dP<span class=\"__10 _471\"/>antsatt<span class=\"__10 _471\"/>a \ufb01nansiella instrumen<span class=\"__10 _471\"/>t\u201d i<span class=\"__10 _469\"> </span>balansr\u00e4kningen. V<span class=\"__10 _d_9\"/>\u00e4rdepapper som har l\u00e4mnats enligt \u00e5t<span class=\"__10 _471\"/>er-<span class=\"__10 _469\"> </span>k\u00f6psa<span class=\"__10 _471\"/>vtal och a<span class=\"__10 _471\"/>vtal om v\u00e4rdepappersl\u00e5n redo<span class=\"__10 _d_9\"/>visas ocks\u00e5 i not<span class=\"__10 _469\"> </span>K7<span class=\"__10 _479\"/>.3 \u201dSt\u00e4llda s\u00e4kerheter<span class=\"__10 _c_9\"/>\u201d<span class=\"__10 _d_9\"/>. Likvida medel som har erh\u00e5llits<span class=\"__10 _469\"> </span>enligt \u00e5terk\u00f6psa<span class=\"__10 _d_9\"/>vtal och avtal om v<span class=\"__10 _471\"/>\u00e4rdepappersl\u00e5n redovisas<span class=\"__10 _469\"> </span>i balansr\u00e4kningen under \u201dSkulder till kr<span class=\"__10 _471\"/>editinstitut\u201d eller \u201dIn-<span class=\"__10 _469\"> </span>och uppl\u00e5ning fr\u00e5n allm\u00e4nheten\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>I derivattr<span class=\"__10 _d_9\"/>ansaktioner levererar Nor<span class=\"__10 _d_9\"/>dea s\u00e4kerheter som<span class=\"__10 _469\"> </span>enligt villkoren i a<span class=\"__10 _d_9\"/>vtalen kan s\u00e4ljas eller pants\u00e4ttas p\u00e5 n<span class=\"__10 _471\"/>ytt.<span class=\"__10 _469\"> </span>Dessa utg\u00f6r i huvudsak s\u00e4kerheter som erh\u00e5lls enligt s\u00e4rskil<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>da s\u00e4kerhetsa<span class=\"__10 _471\"/>vtal.<span class=\"__10 _469\"> </span>120<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>\u00d6verf\u00f6r<span class=\"__10 _471\"/>da tillg\u00e5ngar som har redovisa<span class=\"__10 _d_9\"/>ts i balansr\u00e4kningen<span class=\"__10 _469\"> </span>Mn euro<span class=\"__10 _480\"> </span>31 dec 2022<span class=\"__10 _481\"> </span><span class=\"ws5_9\">31 dec 2021<span class=\"__10 _469\"> </span></span>\u00c5terk\u00f6psa<span class=\"__10 _d_9\"/>vtal<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/>ande v\u00e4rdepapper<span class=\"__10 _482\"> </span>4 672<span class=\"__10 _483\"> </span>1 668<span class=\"__10 _469\"> </span>A<span class=\"__10 _d_9\"/>vtal om utl\u00e5ning av v\u00e4rdepapper<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/><span class=\"__10 _469\">ande v\u00e4rdepapper1</span><span class=\"__10 _484\"> </span>230<span class=\"__10 _485\"> </span>\u2013<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _486\"> </span>4 902<span class=\"__10 _487\"> </span>1 668<span class=\"__10 _469\"> </span>Skulder h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6rliga till tillg\u00e5ngarna<span class=\"ff2_10 fs0_10\"><span class=\"__10 _469\">2<span class=\"__10 _469\"> </span></span></span>Mn euro<span class=\"__10 _480\"> </span>31 dec 2022<span class=\"__10 _481\"> </span>31 dec 2021<span class=\"__10 _469\"> </span>\u00c5terk\u00f6psa<span class=\"__10 _471\"/>vtal<span class=\"__10 _488\"> </span>4 67<span class=\"__10 _d_9\"/>4<span class=\"__10 _483\"> </span>1 669<span class=\"__10 _469\"> </span>A<span class=\"__10 _d_9\"/><span class=\"__10 _469\">vtal om utl\u00e5ning av v\u00e4rdepapper1</span><span class=\"__10 _489\"> </span>230<span class=\"__10 _485\"> </span>\u2013<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _1a_6\"> </span>4 904<span class=\"__10 _487\"> </span>1 669<span class=\"__10 _469\"> </span>Netto<span class=\"__10 _1b_6\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _1c_6\"> </span><span class=\"ls4_9 ws7_9\">-1<span class=\"__10 _469\"> </span></span></span>1) J\u00e4mf\u00f6r<span class=\"__10 _471\"/><span class=\"__10 _469\">elsesiffror har in</span><span class=\"__10 _471\"/>te r\u00e4knats om.   2) Skulder f\u00f6re kvittning mellan till<span class=\"__10 _471\"/>g\u00e5ngar och skulder i balansr\u00e4kningen. Erh\u00e5llna s\u00e4kerheter som kan s\u00e4ljas eller pants\u00e4<span class=\"__10 _471\"/>ttas p\u00e5 nytt<span class=\"__10 _469\"> </span>Nordea<span class=\"ws0_10\"> erh\u00e5ller s\u00e4kerheter enligt om<span class=\"__10 _d_9\"/>v\u00e4nda \u00e5terk\u00f6psa<span class=\"__10 _471\"/>vtal och </span>avtal om v<span class=\"__10 _d_9\"/>\u00e4rdepappersl\u00e5n, vilka kan s\u00e4ljas eller pants\u00e4ttas p\u00e5 nytt i enlighet med avtalsvillk<span class=\"__10 _d_9\"/>oren. T<span class=\"__10 _479\"/>ransak<span class=\"__10 _471\"/>tionerna genomf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s enligt standarda<span class=\"__10 _d_9\"/>vtal som anv\u00e4nds a<span class=\"__10 _d_9\"/>v par<span class=\"__10 _c_9\"/>terna p\u00e5 den \ufb01nansiella mark<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>naden. V<span class=\"__10 _d_9\"/>anligtvis kr\u00e4v<span class=\"__10 _d_9\"/>er avtalen ytterligare s\u00e4kerhet<span class=\"__10 _471\"/>er om v\u00e4rdet p\u00e5 v\u00e4rdepapper sjunker under en f<span class=\"__10 _d_9\"/>\u00f6rutbest\u00e4md niv\u00e5. Enligt st<span class=\"__10 _471\"/>an<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>darda<span class=\"__10 _471\"/>vtalen f<span class=\"__10 _471\"/>\u00f6r de flesta \u00e5<span class=\"__10 _471\"/>terk\u00f6psa<span class=\"__10 _d_9\"/>vtal har mottagaren av s\u00e4k<span class=\"__10 _d_9\"/>er<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>heten ovillkorlig r<span class=\"__10 _d_9\"/>\u00e4tt att s\u00e4lja eller \u00e5terpan<span class=\"__10 _471\"/>ts\u00e4tta s\u00e4kerhet<span class=\"__10 _471\"/>en, f\u00f6rut<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>satt att likv<span class=\"__10 _471\"/>\u00e4rdiga v\u00e4r<span class=\"__10 _471\"/>depapper \u00f6verf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s vid likvidtillf\u00e4llet. V<span class=\"__10 _d_9\"/>\u00e4rdepapper som erh\u00e5llits enligt omv\u00e4nda \u00e5t<span class=\"__10 _471\"/>erk\u00f6psa<span class=\"__10 _d_9\"/>vtal och avtal om v<span class=\"__10 _d_9\"/>\u00e4rdepappersl\u00e5n redovisas inte i balansr<span class=\"__10 _471\"/>\u00e4kning-<span class=\"__10 _469\"> </span>en. Likvida medel som har l\u00e4mnats enligt omv<span class=\"__10 _d_9\"/>\u00e4nda \u00e5terk\u00f6psav-<span class=\"__10 _469\"> </span>tal och avt<span class=\"__10 _471\"/>al om v\u00e4rdepappersl\u00e5n redo<span class=\"__10 _471\"/>visas i balansr\u00e4kningen under \u201dUtl\u00e5ning till centr<span class=\"__10 _d_9\"/>albanker<span class=\"__10 _1d_6\"/>\u201d<span class=\"__10 _479\"/>, \u201dUtl\u00e5ning till kreditinstitut<span class=\"__10 _c_9\"/>\u201d eller \u201dUtl\u00e5ning till allm\u00e4nheten\u201d<span class=\"__10 _479\"/>. Det verkliga v\u00e4r<span class=\"__10 _471\"/>det p\u00e5 erh\u00e5llna s\u00e4kerheter enligt omv<span class=\"__10 _d_9\"/>\u00e4nda \u00e5terk\u00f6psa<span class=\"__10 _d_9\"/>vtal och avtal om v<span class=\"__10 _471\"/>\u00e4rdepappersl\u00e5n upplyses om nedan. Nordea erh\u00e5ller ocks\u00e5 s\u00e4kerheter enligt andr<span class=\"__10 _d_9\"/>a avtal, vilka kan s\u00e4ljas eller pants\u00e4<span class=\"__10 _d_9\"/>ttas p\u00e5 nytt i enlighet med avtals-<span class=\"__10 _469\"> </span>villkoren. Dessa utg\u00f6r i huvudsak s\u00e4k<span class=\"__10 _d_9\"/>erheter som erh\u00e5lls enligt s\u00e4kerhetsa<span class=\"__10 _471\"/>vtal i samband med deriva<span class=\"__10 _471\"/>ttransak<span class=\"__10 _471\"/>tioner<span class=\"__10 _d_9\"/>. De erh\u00e5ll-<span class=\"__10 _469\"> </span>na s\u00e4kerheterna som pre<span class=\"__10 _471\"/>senter<span class=\"__10 _d_9\"/>as i tabellen nedan \u00e4r inte redo-<span class=\"__10 _469\"> </span>visade i balansr\u00e4kningen.<span class=\"__10 _469\"> </span>Erh\u00e5llna s\u00e4kerheter som in<span class=\"__10 _471\"/>te \u00e4r redovisade i balansr<span class=\"__10 _471\"/><span class=\"__10 _469\">\u00e4kningen1<span class=\"__10 _469\"> </span></span>Mn euro<span class=\"__10 _480\"> </span>31 dec 2022<span class=\"__10 _481\"> </span>31 dec 2021<span class=\"__10 _469\"> </span>Omv\u00e4nda \u00e5t<span class=\"__10 _d_9\"/>erk\u00f6psavtal<span class=\"__10 _469\"> </span>Erh\u00e5llna s\u00e4kerheter som kan s\u00e4ljas eller pants\u00e4ttas p\u00e5 n<span class=\"__10 _d_9\"/>ytt<span class=\"__10 _1e_6\"> </span>25 520<span class=\"__10 _1f_6\"> </span>21 739<span class=\"__10 _469\"> </span>- vara<span class=\"__10 _d_9\"/>v s\u00e5lda eller pantsatta p\u00e5 nytt<span class=\"__10 _490\"> </span>18 849<span class=\"__10 _491\"> </span>10 978<span class=\"__10 _469\"> </span>A<span class=\"__10 _d_9\"/>vtal om v\u00e4rdepappersl\u00e5n<span class=\"__10 _469\"> </span>Erh\u00e5llna s\u00e4kerheter som kan s\u00e4ljas eller pants\u00e4ttas p\u00e5 n<span class=\"__10 _d_9\"/>ytt<span class=\"__10 _492\"> </span>1 003<span class=\"__10 _487\"> </span>2 834<span class=\"__10 _469\"> </span>- vara<span class=\"__10 _d_9\"/>v s\u00e5lda eller pantsatta p\u00e5 nytt<span class=\"__10 _493\"> </span>445<span class=\"__10 _494\"> </span>183<span class=\"__10 _469\"> </span>\u00d6vriga avtal<span class=\"__10 _469\"> </span>Erh\u00e5llna s\u00e4kerheter som kan s\u00e4ljas eller pants\u00e4ttas p\u00e5 n<span class=\"__10 _d_9\"/>ytt<span class=\"__10 _495\"> </span>834<span class=\"__10 _496\"> </span>864<span class=\"__10 _469\"> </span>- vara<span class=\"__10 _d_9\"/>v s\u00e5lda eller pantsatta p\u00e5 nytt<span class=\"__10 _497\"> </span>320<span class=\"__10 _498\"> </span>202<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _499\"> </span>27 357<span class=\"__10 _2a_4\"> </span>25 437<span class=\"__10 _469\"> </span>1) Erh\u00e5llna s\u00e4kerheter emitterade a<span class=\"__10 _d_9\"/>v Nordea \u00e4r fr\u00e5n \u00e5r 2022 inkluderade i tabellen. J\u00e4mf<span class=\"__10 _d_9\"/>\u00f6<span class=\"__10 _c_9\"/>-<span class=\"__10 _469\"> </span><span class=\"__10 _469\">relsesiffrorna har r</span><span class=\"__10 _471\"/>\u00e4knats om p\u00e5 motsvar<span class=\"__10 _471\"/>ande s\u00e4tt.<span class=\"__10 _469\"> </span>K3.2   <span class=\"__10 _2b_4\"/>\u00d6verf\u00f6rda tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter<span class=\"__10 _479\"/>, forts<span class=\"__10 _c_9\"/>.<span class=\"__10 _469\"> </span>K3.3 <span class=\"__10 _a_9\"> </span> <span class=\"__10 _b_9\"/>Klassi\ufb01cering och v\u00e4r<span class=\"__10 _d_9\"/>dering<span class=\"__10 _469\"> </span> Redovisningsprinciper<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>arje \ufb01nansiellt instrument har klassi\ufb01c<span class=\"__10 _471\"/>erats i n\u00e5gon a<span class=\"__10 _d_9\"/>v<span class=\"__10 _469\"> </span>  f\u00f6ljande <span class=\"__10 _2c_4\"> </span>kategorier:<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar:<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\"><span class=\"__10 _469\">Upplupet anskaffningsv</span><span class=\"__10 _d_9\"/>\u00e4rde<span class=\"__10 _469\"> </span></span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde via resulta<span class=\"__10 _471\"/>tr\u00e4kningen:<span class=\"__10 _469\"> </span></span> <span class=\"__10 _2e_4\"/>-<span class=\"__10 _2c_4\"> </span> <span class=\"__10 _479\"/>Obligatoriskt v\u00e4r<span class=\"__10 _d_9\"/>derade till verkligt v\u00e4rde via<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen<span class=\"__10 _469\"> </span> <span class=\"__10 _2e_4\"/>-<span class=\"__10 _2c_4\"> </span>F<span class=\"__10 _d_9\"/>r\u00e5n b\u00f6rjan v\u00e4rder<span class=\"__10 _471\"/>ade till verkligt v\u00e4r<span class=\"__10 _471\"/>de via resulta<span class=\"__10 _d_9\"/>tr\u00e4k-<span class=\"__10 _469\"> </span>ningen (verkligt v\u00e4r<span class=\"__10 _471\"/>de-optionen)<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Finansiella tillg\u00e5ngar v\u00e4rder<span class=\"__10 _471\"/>ade till verkligt v\u00e4r<span class=\"__10 _471\"/>de via \u00f6vrigt<span class=\"__10 _469\"> </span></span><span class=\"wsa_9\"> </span>totalr<span class=\"__10 _471\"/>esultat<span class=\"__10 _469\"> </span>Finansiella skulder:<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\"><span class=\"__10 _469\">Upplupet anskaffningsv</span><span class=\"__10 _d_9\"/>\u00e4rde<span class=\"__10 _469\"> </span></span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde via resulta<span class=\"__10 _471\"/>tr\u00e4kningen:<span class=\"__10 _469\"> </span></span> <span class=\"__10 _2e_4\"/>-<span class=\"__10 _2c_4\"> </span> <span class=\"__10 _479\"/>Obligatoriskt v\u00e4r<span class=\"__10 _d_9\"/>derade till verkligt v\u00e4rde via<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen<span class=\"__10 _469\"> </span> <span class=\"__10 _2e_4\"/>-<span class=\"__10 _2c_4\"> </span>F<span class=\"__10 _d_9\"/>r\u00e5n b\u00f6rjan v\u00e4rder<span class=\"__10 _471\"/>ade till verkligt v\u00e4r<span class=\"__10 _471\"/>de via resulta<span class=\"__10 _d_9\"/>tr\u00e4k-<span class=\"__10 _469\"> </span>ningen (verkligt v\u00e4r<span class=\"__10 _471\"/>de-optionen)<span class=\"__10 _469\"> </span>Klassi\ufb01ceringen a<span class=\"__10 _471\"/>v en \ufb01nansiell tillg\u00e5ng best\u00e4ms utif<span class=\"__10 _471\"/><span class=\"__10 _469\">r\u00e5n aff</span><span class=\"__10 _d_9\"/>\u00e4r<span class=\"__10 _c_9\"/>s-<span class=\"__10 _469\"> </span>modellen f\u00f6r den portf<span class=\"__10 _471\"/>\u00f6lj som instrumen<span class=\"__10 _d_9\"/>tet ing\u00e5r i och huru-<span class=\"__10 _469\"> </span>vida kassafl\u00f6dena endast ut<span class=\"__10 _471\"/>g\u00f6r betalning av k<span class=\"__10 _471\"/>apitalbelopp och<span class=\"__10 _469\"> </span> r\u00e4n<span class=\"__10 _471\"/>ta (SPPI).<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar med kassafl\u00f6den som in<span class=\"__10 _d_9\"/>te uteslutande<span class=\"__10 _469\"> </span> utg\u00f6rs av betalning a<span class=\"__10 _d_9\"/>v kapitalbelopp och r\u00e4nt<span class=\"__10 _471\"/>a v\u00e4rder<span class=\"__10 _471\"/>as till verk<span class=\"__10 _d_9\"/><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ligt v\u00e4rde via r<span class=\"__10 _471\"/>esultatr<span class=\"__10 _d_9\"/>\u00e4kningen. Alla \u00f6vriga tillg\u00e5ngar klassi\ufb01ceras<span class=\"__10 _469\"> </span> utifr\u00e5n a<span class=\"__10 _471\"/><span class=\"__10 _469\">ff\u00e4rsmodellen. P</span><span class=\"__10 _471\"/>ortf\u00f6ljinstrumen<span class=\"__10 _d_9\"/>t som omfattas a<span class=\"__10 _d_9\"/>v en<span class=\"__10 _c_9\"/> <span class=\"__10 _469\">aff\u00e4rsmodell d\u00e4r a</span><span class=\"__10 _d_9\"/>vsikten \u00e4r att beh\u00e5lla ins<span class=\"__10 _471\"/>trumenten och ta emo<span class=\"__10 _d_9\"/>t<span class=\"__10 _c_9\"/> avtals<span class=\"__10 _471\"/>enliga kassafl\u00f6den v\u00e4r<span class=\"__10 _d_9\"/><span class=\"__10 _469\">deras till upplupet anskaffningsv\u00e4r</span><span class=\"__10 _471\"/>de.<span class=\"__10 _469\"> </span> Instrument s<span class=\"__10 _471\"/>om omf<span class=\"__10 _d_9\"/><span class=\"__10 _469\">attas av en aff</span><span class=\"__10 _d_9\"/>\u00e4r<span class=\"__10 _c_9\"/>smodell d\u00e4r avsik<span class=\"__10 _d_9\"/>ten \u00e4r b\u00e5de<span class=\"__10 _469\"> </span> att beh\u00e5lla instrumen<span class=\"__10 _d_9\"/>ten f\u00f6r att samla in a<span class=\"__10 _d_9\"/>vtalsenliga kassafl\u00f6den<span class=\"__10 _469\"> </span> och att s\u00e4lja instrumen<span class=\"__10 _d_9\"/>ten, v\u00e4rderas till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde via \u00f6vrigt<span class=\"__10 _469\"> </span> totalr<span class=\"__10 _471\"/>esultat. Finansiella tillg\u00e5ngar som omf<span class=\"__10 _d_9\"/>attas av annan a<span class=\"__10 _471\"/><span class=\"__10 _469\">ff\u00e4rs</span><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>modell v\u00e4rder<span class=\"__10 _471\"/>as till verkligt v\u00e4r<span class=\"__10 _471\"/>de via resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen.<span class=\"__10 _469\"> </span>F\u00f6r a<span class=\"__10 _471\"/>tt kunna f<span class=\"__10 _471\"/>astst<span class=\"__10 _471\"/><span class=\"__10 _469\">\u00e4lla aff\u00e4rsmodell har </span><span class=\"ws8_9\">Nordea</span> dela<span class=\"__10 _d_9\"/>t in sina<span class=\"__10 _c_9\"/> \ufb01nansiella tillg\u00e5ngar i portf\u00f6ljer och underportf\u00f6ljer utifr<span class=\"__10 _d_9\"/>\u00e5n hur<span class=\"__10 _c_9\"/> olika grupper av \ufb01nansiella tillg\u00e5ngar f<span class=\"__10 _d_9\"/>\u00f6rvaltas tillsammans f\u00f6r a<span class=\"__10 _471\"/>tt<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">uppn\u00e5 ett visst aff</span><span class=\"__10 _d_9\"/>\u00e4r<span class=\"__10 _c_9\"/>sm\u00e5l. N\u00e4r r\u00e4tt niv\u00e5 f<span class=\"__10 _d_9\"/>\u00f6r portf\u00f6ljen ska fasts<span class=\"__10 _d_9\"/>t\u00e4l<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>las har <span class=\"ws8_9\">Nordea</span> tagit h\u00e4nsyn till ak<span class=\"__10 _471\"/><span class=\"__10 _469\">tuell aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5desstruk<span class=\"__10 _d_9\"/>tur<span class=\"__10 _471\"/>. Vid<span class=\"__10 _469\"> </span> fas<span class=\"__10 _471\"/>tst\u00e4llandet a<span class=\"__10 _d_9\"/><span class=\"__10 _469\">v aff\u00e4rsmodell f\u00f6r re</span><span class=\"__10 _471\"/>spektiv<span class=\"__10 _471\"/>e portf\u00f6lj har <span class=\"ws8_9\">Nordea</span><span class=\"ls0_10\"> </span>analyser<span class=\"__10 _471\"/>at syftet med de \ufb01nansiella tillg\u00e5ngarna och ex<span class=\"__10 _d_9\"/>empelvis<span class=\"__10 _469\"> </span> tidigare f<span class=\"__10 _471\"/>\u00f6rs\u00e4ljningstrender och ers\u00e4ttning till ledningen.<span class=\"__10 _469\"> </span>Alla \ufb01nansiella tillg\u00e5ngar och skulder redo<span class=\"__10 _471\"/>visas till verkligt<span class=\"__10 _469\"> </span> v\u00e4rde vid f<span class=\"__10 _d_9\"/>\u00f6rsta redovisningstillf<span class=\"__10 _d_9\"/>\u00e4llet<span class=\"__10 _c_9\"/>. Klassi\ufb01ceringen av \ufb01nan<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>siella instrument i olik<span class=\"__10 _471\"/>a kategorier utg\u00f6r grunden f<span class=\"__10 _d_9\"/>\u00f6r hur varje<span class=\"__10 _469\"> </span> \ufb01nansiellt instrumen<span class=\"__10 _d_9\"/>t d\u00e4refter v\u00e4rderas i balansr<span class=\"__10 _d_9\"/>\u00e4kningen och<span class=\"__10 _c_9\"/> hur f\u00f6r<span class=\"__10 _471\"/>\u00e4ndringar i dess v\u00e4rde r<span class=\"__10 _d_9\"/>edovisas. T<span class=\"__10 _479\"/>abellen Klassi\ufb01cering a<span class=\"__10 _d_9\"/>v<span class=\"__10 _c_9\"/> \ufb01nansiella instrument i no<span class=\"__10 _d_9\"/>t K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d<span class=\"__10 _469\"> </span> visar i vilka olika kategorier de \ufb01nansiella ins<span class=\"__10 _d_9\"/>trumenten i <span class=\"wsb_9\">Nordea</span><span class=\"ls0_10\">s<span class=\"__10 _469\"> </span></span><span class=\"ls0_10\"> </span>balansr\u00e4kning har klassi\ufb01cer<span class=\"__10 _471\"/>ats enligt IFRS 9.<span class=\"__10 _469\"> </span><span class=\"__10 _469\">Upplupet anskaff</span><span class=\"__10 _471\"/>ningsv\u00e4rde<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar och skulder v\u00e4r<span class=\"__10 _471\"/>derade till upplupet anska<span class=\"__10 _471\"/><span class=\"__10 _469\">ff</span><span class=\"ls0_10 ws0_10\">-<span class=\"__10 _469\"> </span></span>ningsv\u00e4rde r<span class=\"__10 _471\"/>edovisas initialt i balansr\u00e4kningen till v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde,<span class=\"__10 _469\"> </span> inklusive transak<span class=\"__10 _d_9\"/>tionskostnader<span class=\"__10 _d_9\"/>. Efter f<span class=\"__10 _471\"/>\u00f6rsta redovisnings<span class=\"__10 _d_9\"/>tillf\u00e4llet<span class=\"__10 _469\"> </span> v\u00e4rder<span class=\"__10 _471\"/>as instrumen<span class=\"__10 _471\"/>t i denna kategori till upplupet ansk<span class=\"__10 _471\"/><span class=\"__10 _469\">affnings</span><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>v\u00e4rde. Vid v<span class=\"__10 _471\"/><span class=\"__10 _469\">\u00e4rdering till upplupet anskaff</span><span class=\"__10 _d_9\"/>ningsv\u00e4rde resulta<span class=\"__10 _471\"/>tf\u00f6rs<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">skillnaden mellan anskaffningsv</span><span class=\"__10 _471\"/>\u00e4rdet och inl\u00f6senv<span class=\"__10 _d_9\"/>\u00e4rdet \u00f6ver den<span class=\"__10 _469\"> </span> \u00e5terst\u00e5ende l\u00f6p<span class=\"__10 _d_9\"/><span class=\"__10 _469\">tiden med hj\u00e4lp av effek</span><span class=\"__10 _d_9\"/>tivr\u00e4ntemetoden. Upplu<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span><span class=\"__10 _469\">pet anskaffningsv</span><span class=\"__10 _471\"/>\u00e4rde de\ufb01nieras s<span class=\"__10 _471\"/>om det belopp till vilket den<span class=\"__10 _469\"> </span> \ufb01nansiella tillg\u00e5ngen eller skulden v\u00e4r<span class=\"__10 _d_9\"/>deras vid f\u00f6rsta redo<span class=\"__10 _471\"/>vis<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ningstillf<span class=\"__10 _471\"/>\u00e4llet, minus avbetalningar a<span class=\"__10 _d_9\"/>v kapitalbelopp, plus eller<span class=\"__10 _469\"> </span> minus ackumulerade a<span class=\"__10 _d_9\"/>vskrivningar p\u00e5 eventuell skillnad mellan<span class=\"__10 _469\"> </span>121<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>det ursprungliga beloppet och beloppet p\u00e5 f\u00f6rfallodagen och,<span class=\"__10 _469\"> </span> f\u00f6r \ufb01nansiella tillg\u00e5ngar<span class=\"__10 _479\"/>, justerat f<span class=\"__10 _d_9\"/>\u00f6r eventuell f<span class=\"__10 _d_9\"/>\u00f6rlustreserv<span class=\"__10 _d_9\"/>. De<span class=\"__10 _c_9\"/> ackumulerade a<span class=\"__10 _d_9\"/>vskrivningarna ber\u00e4knas genom att till\u00e4mpa<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">effek</span><span class=\"__10 _d_9\"/>tivr\u00e4ntemetoden. F<span class=\"__10 _d_9\"/>\u00f6r ytterligare inf<span class=\"__10 _d_9\"/><span class=\"__10 _469\">ormation om effektivr</span><span class=\"__10 _d_9\"/>\u00e4n<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>temetoden, se not K2.2 \u201dR\u00e4n<span class=\"__10 _d_9\"/>tenetto\u201d<span class=\"__10 _d_9\"/>. Inf<span class=\"__10 _471\"/>ormation om nedskriv<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ningar enligt IFRS 9 \ufb01nns i not K3.<span class=\"__10 _471\"/>7 \u201dUtl\u00e5ning\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>R\u00e4nta p\u00e5 tillg\u00e5ngar och sk<span class=\"__10 _471\"/>ulder i kategorin v<span class=\"__10 _d_9\"/>\u00e4rderade till<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">upplupet anskaffningsv</span><span class=\"__10 _d_9\"/>\u00e4rde redovisas normalt i resul<span class=\"__10 _471\"/>tatr\u00e4k<span class=\"__10 _d_9\"/>-<span class=\"__10 _469\"> </span>ningen under \u201dR\u00e4ntein<span class=\"__10 _d_9\"/>t\u00e4kter<span class=\"__10 _c_9\"/>\u201d respektiv<span class=\"__10 _d_9\"/>e \u201dR\u00e4ntekostnader\u201d<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar och skulder v\u00e4r<span class=\"__10 _471\"/>derade<span class=\"__10 _469\"> </span> till verkligt v\u00e4r<span class=\"__10 _471\"/>de via resul<span class=\"__10 _471\"/>tatr<span class=\"__10 _471\"/>\u00e4kningen<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar och skulder v\u00e4r<span class=\"__10 _471\"/>derade till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde via<span class=\"__10 _c_9\"/> resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen v\u00e4rderas till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde exklusive tr<span class=\"__10 _471\"/>ansak<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>tionskostnader<span class=\"__10 _479\"/>. F\u00f6r\u00e4ndringar i verkligt v<span class=\"__10 _471\"/>\u00e4rde f<span class=\"__10 _471\"/>\u00f6r dessa poster<span class=\"__10 _469\"> </span> redovisas normalt dir<span class=\"__10 _d_9\"/>ekt i resultatr<span class=\"__10 _d_9\"/>\u00e4kningen under \u201dNettoresultat<span class=\"__10 _469\"> </span> av pos<span class=\"__10 _d_9\"/>ter till verkligt v\u00e4rde\u201d<span class=\"__10 _479\"/>. Emellertid redovisas justeringar till<span class=\"__10 _469\"> </span> verkligt v\u00e4r<span class=\"__10 _471\"/>de av mar<span class=\"__10 _471\"/>ginalkomponen<span class=\"__10 _471\"/>ten f\u00f6r l\u00e5ne<span class=\"__10 _471\"/>for<span class=\"__10 _471\"/>dringar i port<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>f\u00f6ljer d\u00e4r a<span class=\"__10 _d_9\"/>vsikten \u00e4r att beh\u00e5lla ins<span class=\"__10 _471\"/>trumenten till f<span class=\"__10 _d_9\"/>\u00f6rfall och som<span class=\"__10 _469\"> </span> obligatorisk<span class=\"__10 _d_9\"/>t v\u00e4rderas till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de (uppfyller inte SPPI-krite<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>riet) separat i r<span class=\"__10 _d_9\"/>esultatr\u00e4kningen under posten \u201dNett<span class=\"__10 _d_9\"/>oresultat a<span class=\"__10 _471\"/>v<span class=\"__10 _469\"> </span> utl\u00e5ning i portf\u00f6ljer som h\u00e5lls till f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>fall och obligat<span class=\"__10 _471\"/>oriskt v<span class=\"__10 _d_9\"/>\u00e4rdera<span class=\"__10 _469\"> </span>s till verkligt v\u00e4r<span class=\"__10 _471\"/>de\u201d<span class=\"__10 _479\"/>. F\u00f6r mer inf<span class=\"__10 _d_9\"/>ormation, se not K2.4 \u201dSumma net<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>toresult<span class=\"__10 _471\"/>at a<span class=\"__10 _d_9\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__10 _479\"/>. F\u00f6r in<span class=\"__10 _d_9\"/>formation om ber\u00e4k<span class=\"__10 _d_9\"/><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ning av v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde, se not K3.4 \u201dV<span class=\"__10 _d_9\"/>erkligt v\u00e4rde\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>Den h\u00e4r kategorin har tv<span class=\"__10 _471\"/>\u00e5 underkategorier: \u201dObliga<span class=\"__10 _d_9\"/>toriskt v\u00e4r<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>derade till verkligt v<span class=\"__10 _471\"/>\u00e4rde via resul<span class=\"__10 _471\"/>tatr\u00e4kningen\u201d och \u201dF<span class=\"__10 _d_9\"/>r\u00e5n b\u00f6rjan<span class=\"__10 _469\"> </span> v\u00e4rder<span class=\"__10 _471\"/>ade till verkligt v\u00e4r<span class=\"__10 _471\"/>de via resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen (verkligt v\u00e4r<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>de-optionen)\u201d<span class=\"__10 _479\"/>. Underkategorin \u201dFr<span class=\"__10 _471\"/>\u00e5n b\u00f6rjan  <span class=\"__10 _2f_4\"/>v\u00e4rder<span class=\"__10 _471\"/>ade till verk<span class=\"__10 _471\"/><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ligt v\u00e4rde via r<span class=\"__10 _471\"/>esultatr<span class=\"__10 _d_9\"/>\u00e4kningen (verkligt v\u00e4rde-optionen)\u201d inne<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>b\u00e4r att \ufb01nansiella tillg\u00e5ngar och skulder kan v<span class=\"__10 _d_9\"/>\u00e4rderas till verkligt<span class=\"__10 _469\"> </span> v\u00e4rde sam<span class=\"__10 _d_9\"/>tidigt som skillnaderna i verkligt v\u00e4rde redovisas i<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen. Det h\u00e4r alternativet kan an<span class=\"__10 _471\"/>v\u00e4ndas om det eli<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>minerar eller a<span class=\"__10 _d_9\"/>vsev\u00e4rt minskar en bristande \u00f6verenss<span class=\"__10 _d_9\"/>t\u00e4mmelse i<span class=\"__10 _469\"> </span> redovisningen och f<span class=\"__10 _d_9\"/>\u00f6r skulder om de f\u00f6rvaltas baser<span class=\"__10 _d_9\"/>at p\u00e5 verk<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ligt v\u00e4rde. F<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i kreditrisk h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6rliga till skulder som<span class=\"__10 _469\"> </span> redan fr<span class=\"__10 _471\"/>\u00e5n b\u00f6rjan v\u00e4rder<span class=\"__10 _471\"/>ats till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde via resultatr\u00e4k<span class=\"__10 _d_9\"/><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ningen redovisas under \u00f6vrigt t<span class=\"__10 _d_9\"/>otalresultat, s\u00e5vida dett<span class=\"__10 _471\"/>a inte f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>anleder bristande \u00f6v<span class=\"__10 _d_9\"/>erensst\u00e4mmelse i redovisningen.<span class=\"__10 _469\"> </span>R\u00e4ntein<span class=\"__10 _d_9\"/>t\u00e4kter och r\u00e4n<span class=\"__10 _d_9\"/>tekostnader h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6rliga till balanspos-<span class=\"__10 _469\"> </span>ter redovisade till v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde via resultatr<span class=\"__10 _d_9\"/>\u00e4kningen klassi\ufb01-<span class=\"__10 _469\"> </span>ceras normalt s<span class=\"__10 _471\"/>om \u201dNettoresult<span class=\"__10 _471\"/>at a<span class=\"__10 _d_9\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span> F\u00f6r mer in<span class=\"__10 _d_9\"/>formation, se not K2.4 \u201dSumma nettor<span class=\"__10 _d_9\"/>esultat av pos-<span class=\"__10 _469\"> </span>ter till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de\u201d och not K2.2 \u201dR\u00e4ntenetto\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar v\u00e4rder<span class=\"__10 _471\"/>ade till  verkligt v\u00e4r<span class=\"__10 _471\"/>de via \u00f6vrigt to<span class=\"__10 _471\"/>talresul<span class=\"__10 _471\"/>tat<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar v\u00e4rder<span class=\"__10 _471\"/>ade till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de via \u00f6vrigt<span class=\"__10 _469\"> </span> totalr<span class=\"__10 _471\"/>esultat v<span class=\"__10 _d_9\"/>\u00e4rderas till verkligt v\u00e4rde med till\u00e4gg f<span class=\"__10 _d_9\"/>\u00f6r transak<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>tionskostnader<span class=\"__10 _479\"/>. F\u00f6r\u00e4ndringar i verkligt v<span class=\"__10 _471\"/>\u00e4rde, med undan<span class=\"__10 _471\"/>tag f\u00f6r<span class=\"__10 _469\"> </span> r\u00e4n<span class=\"__10 _471\"/>tor<span class=\"__10 _d_9\"/><span class=\"__10 _469\">, valutakurseff</span><span class=\"__10 _d_9\"/>ekter och nedskrivningar<span class=\"__10 _d_9\"/>, redovisas mot<span class=\"__10 _469\"> </span> verkligt v\u00e4r<span class=\"__10 _471\"/>de-reserven under eget kapital via \u00f6<span class=\"__10 _471\"/>vrigt totalr<span class=\"__10 _471\"/>esul<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>tat. R\u00e4nta redo<span class=\"__10 _d_9\"/>visas i resultatr\u00e4kningen under \u201dR\u00e4n<span class=\"__10 _d_9\"/>teint\u00e4kter\u201d<span class=\"__10 _d_9\"/>,<span class=\"__10 _469\"> </span> valutak<span class=\"__10 _471\"/><span class=\"__10 _469\">urseffek</span><span class=\"__10 _d_9\"/>ter under \u201dNettoresultat a<span class=\"__10 _d_9\"/>v poster till verkligt<span class=\"__10 _469\"> </span> v\u00e4rde\u201d och nedskrivningar under \u201dKr<span class=\"__10 _471\"/>editf\u00f6rlus<span class=\"__10 _d_9\"/>ter<span class=\"__10 _471\"/>, netto\u201d<span class=\"__10 _479\"/>. I sam<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>band med avyttring a<span class=\"__10 _d_9\"/>v ett instrument omklassi\ufb01cer<span class=\"__10 _471\"/>as de acku<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>mulerade f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringarna i verkligt v\u00e4rde, som tidigare har r<span class=\"__10 _d_9\"/>edo<span class=\"__10 _c_9\"/><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>visats i verkligt  <span class=\"__10 _2f_4\"/>v<span class=\"__10 _471\"/>\u00e4rde-reserven under \u00f6<span class=\"__10 _471\"/>vrigt totalr<span class=\"__10 _471\"/>esulta<span class=\"__10 _471\"/>t, fr\u00e5n<span class=\"__10 _469\"> </span> eget kapital till result<span class=\"__10 _471\"/>atr\u00e4kningen under \u201dNett<span class=\"__10 _471\"/>oresulta<span class=\"__10 _d_9\"/>t av poster<span class=\"__10 _469\"> </span> till verkligt v\u00e4r<span class=\"__10 _471\"/>de\u201d<span class=\"__10 _479\"/>. Information om nedskrivningar enligt IFRS 9<span class=\"__10 _469\"> </span> \ufb01nns i not K3.<span class=\"__10 _471\"/>7 \u201dUtl\u00e5ning\u201d och inf<span class=\"__10 _d_9\"/>ormation om ber\u00e4kning av<span class=\"__10 _469\"> </span> verkligt v\u00e4r<span class=\"__10 _471\"/>de \ufb01nns i not K3.4 \u201dV<span class=\"__10 _d_9\"/>erkligt v\u00e4rde\u201d<span class=\"__10 _469\"> </span><span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>Sammansatta \ufb01nansiella instrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _469\"> </span>Sammansatta \ufb01nansiella instrumen<span class=\"__10 _d_9\"/>t \u00e4r avtal som omf<span class=\"__10 _d_9\"/>attar<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">ett v\u00e4rda</span><span class=\"__10 _d_9\"/>vtal och ett inb\u00e4ddat derivat. S\u00e5dana kombinationer<span class=\"__10 _469\"> </span>  <span class=\"__10 _2f_4\"/>uppst\u00e5r huvudsakligen i samband med emissioner a<span class=\"__10 _d_9\"/>v strukture<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>rade skuldins<span class=\"__10 _d_9\"/>trument<span class=\"__10 _c_9\"/>, s\u00e5som emitterade inde<span class=\"__10 _d_9\"/>xobligationer och<span class=\"__10 _469\"> </span> l\u00e5nefor<span class=\"__10 _471\"/>dringar med inb\u00e4ddade r\u00e4n<span class=\"__10 _471\"/>tekorridorer och r<span class=\"__10 _d_9\"/>\u00e4ntetak.<span class=\"__10 _469\"> </span>F\u00f6r s<span class=\"__10 _471\"/>truktur<span class=\"__10 _471\"/>erade obligationer som har emitt<span class=\"__10 _d_9\"/>erats av Markets till\u00e4mpar Nordea<span class=\"ws0_10\"> verkligt v<span class=\"__10 _d_9\"/>\u00e4rde-optionen, och hela det samman<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></span>satta instrumen<span class=\"__10 _d_9\"/>tet<span class=\"__10 _c_9\"/>, v\u00e4rda<span class=\"__10 _d_9\"/>vtalet och det inb\u00e4ddade derivatet, v\u00e4r<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>deras till verkligt v<span class=\"__10 _471\"/>\u00e4rde via resul<span class=\"__10 _471\"/>tatr\u00e4kningen och r<span class=\"__10 _d_9\"/>edovisas under \u201dEmitterade v<span class=\"__10 _471\"/>\u00e4rdepapper<span class=\"__10 _c_9\"/>\u201d i balansr\u00e4kningen. F<span class=\"__10 _471\"/>\u00f6r\u00e4ndring<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ar i verkligt v\u00e4r<span class=\"__10 _471\"/>de redovisas i re<span class=\"__10 _471\"/>sultatr<span class=\"__10 _d_9\"/>\u00e4kningen under \u201dNettore<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>sultat a<span class=\"__10 _d_9\"/>v poster till verkligt v\u00e4r<span class=\"__10 _471\"/>de\u201d<span class=\"__10 _479\"/>, med undantag f\u00f6r f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndring<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ar i <span class=\"wsd_9\">Nordea</span>s egna kreditrisk som r<span class=\"__10 _471\"/>edovisas i \u00f6vrigt to<span class=\"__10 _d_9\"/>talresultat.<span class=\"__10 _469\"> </span>Emitterade skuld- och eget k<span class=\"__10 _471\"/>apital-instrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _469\"> </span>Ett \ufb01nansiellt instrumen<span class=\"__10 _d_9\"/>t emitterat av <span class=\"wse_9\">Nor<span class=\"__10 _d_9\"/>dea<span class=\"ws0_10\"> klassi\ufb01ceras </span></span>antingen som en \ufb01nansiell sk<span class=\"__10 _471\"/>uld eller som eget kapital. Emitte<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>rade \ufb01nansiella instrumen<span class=\"__10 _d_9\"/>t klassi\ufb01ceras som \ufb01nansiella skulder om avtalsf<span class=\"__10 _d_9\"/>\u00f6rh\u00e5llandena inneb\u00e4r att <span class=\"wse_9\">Nordea</span> har en be\ufb01ntlig f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>pliktels<span class=\"__10 _471\"/>e att antingen erl\u00e4gga k<span class=\"__10 _d_9\"/>ontanter eller annan \ufb01nansiell tillg\u00e5ng, eller ett variabelt an<span class=\"__10 _d_9\"/>tal eget kapital-instrument, till innehav<span class=\"__10 _d_9\"/>aren av instrumen<span class=\"__10 _d_9\"/>tet<span class=\"__10 _c_9\"/>. Om s\u00e5 inte \u00e4r f<span class=\"__10 _d_9\"/>allet \u00e4r instrumen<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>tet vanligtvis ett eget kapital<span class=\"__10 _d_9\"/>-instrument och klassi\ufb01ceras som eget kapital, med av<span class=\"__10 _471\"/>drag f<span class=\"__10 _d_9\"/>\u00f6r transaktionskostnader<span class=\"__10 _479\"/>. Om emit<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>terade \ufb01nansiella ins<span class=\"__10 _471\"/>trument inneh\u00e5ller b\u00e5de en sk<span class=\"__10 _471\"/>uld- och en eget kapital-del, redovisas dessa delar separ<span class=\"__10 _d_9\"/>at<span class=\"__10 _c_9\"/>.<span class=\"__10 _469\"> </span>Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__10 _d_9\"/>ttningar Nordea<span class=\"ws0_10\"> klassi\ufb01cerar \ufb01nansiella tillg\u00e5ngar utif<span class=\"__10 _d_9\"/><span class=\"__10 _469\">r\u00e5n den aff\u00e4rsmo</span><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></span>dell som anv\u00e4nds f<span class=\"__10 _d_9\"/><span class=\"__10 _469\">\u00f6r tillg\u00e5ngarna. N\u00e4r aff\u00e4rsmodellen f\u00f6r obliga</span><span class=\"__10 _d_9\"/><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span><span class=\"__10 _469\">tioner i likviditetsbufferten ska f</span><span class=\"__10 _d_9\"/>astst\u00e4llas anv<span class=\"__10 _471\"/>\u00e4nder sig <span class=\"wsf_9\">Nordea<span class=\"lsb_9 ws10_9\"> av<span class=\"__10 _c_9\"/> </span></span>kritiska bed\u00f6mningar<span class=\"__10 _d_9\"/><span class=\"__10 _469\">. Obligationerna i likviditetsbuff</span><span class=\"__10 _471\"/>erten delas in i tre portf\u00f6ljer<span class=\"__10 _479\"/>. <span class=\"wsf_9\">Nordea</span> har f\u00f6r den f\u00f6rs<span class=\"__10 _471\"/>ta portf\u00f6ljen f<span class=\"__10 _471\"/>astst\u00e4ll<span class=\"__10 _d_9\"/>t att<span class=\"__10 _c_9\"/> <span class=\"__10 _469\">aff\u00e4rsmodellen \u00e4r a</span><span class=\"__10 _471\"/>tt beh\u00e5lla obligationerna och inkasser<span class=\"__10 _471\"/>a avt<span class=\"__10 _471\"/>al<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>senliga kassafl\u00f6den sam<span class=\"__10 _471\"/>t att s\u00e4lja \ufb01nansiella tillg\u00e5ngar<span class=\"__10 _479\"/>. F\u00f6r den andra portf\u00f6ljen har <span class=\"wsf_9\">Nor<span class=\"__10 _471\"/>dea<span class=\"ws0_10\"> fas<span class=\"__10 _471\"/>tst\u00e4llt a<span class=\"__10 _471\"/><span class=\"__10 _469\">tt aff</span><span class=\"__10 _471\"/>\u00e4rsmodellen \u00e4r att </span></span>f\u00f6rvalt<span class=\"__10 _471\"/>a obligationerna med m\u00e5let att r<span class=\"__10 _471\"/>ealisera kassa<span class=\"__10 _471\"/>fl\u00f6den genom att s\u00e4lja tillg\u00e5ngar<span class=\"__10 _d_9\"/>. F\u00f6r den tr<span class=\"__10 _471\"/>edje portf\u00f6ljen har <span class=\"wsf_9\">Nordea</span><span class=\"ls0_10\"> </span>fas<span class=\"__10 _471\"/>tst\u00e4llt a<span class=\"__10 _d_9\"/><span class=\"__10 _469\">tt aff\u00e4rsmodellen \u00e4r att beh\u00e5lla obligationerna och </span>inkassera a<span class=\"__10 _d_9\"/>vtalsenliga kassafl\u00f6den. Obligationerna i den f<span class=\"__10 _471\"/>\u00f6rsta portf\u00f6ljen v\u00e4r<span class=\"__10 _471\"/>deras till verkligt v<span class=\"__10 _471\"/>\u00e4rde via \u00f6vrigt to<span class=\"__10 _d_9\"/>talresultat, obli<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>gationerna i den andra portf<span class=\"__10 _471\"/>\u00f6ljen v\u00e4rder<span class=\"__10 _d_9\"/>as till verkligt v\u00e4rde via resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen och den tredje portf\u00f6ljen v\u00e4rder<span class=\"__10 _471\"/>as till upplupet <span class=\"__10 _469\">anskaffningsv</span><span class=\"__10 _471\"/>\u00e4rde. V<span class=\"__10 _d_9\"/>\u00e4rdet p\u00e5 r\u00e4n<span class=\"__10 _471\"/>teb\u00e4rande v<span class=\"__10 _471\"/>\u00e4rdepapper<span class=\"__10 _d_9\"/>, inklu<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>sive pantsa<span class=\"__10 _d_9\"/><span class=\"__10 _469\">tta \ufb01nansiella instrument i likviditetsbuff</span><span class=\"__10 _d_9\"/>er<span class=\"__10 _c_9\"/>ten, som v\u00e4rder<span class=\"__10 _471\"/>as till verkligt v\u00e4r<span class=\"__10 _471\"/>de via \u00f6vrigt to<span class=\"__10 _471\"/>talresulta<span class=\"__10 _d_9\"/>t (f\u00f6rsta portf\u00f6l<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>jen), verkligt v\u00e4r<span class=\"__10 _471\"/>de via resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen (andra portf\u00f6ljen) och <span class=\"__10 _469\">upplupet anskaffningsv</span><span class=\"__10 _d_9\"/>\u00e4rde (tredje portf\u00f6ljen) uppgick vid \u00e5rets <span class=\"__10 _469\">slut till 32 495 mn euro (33 972 mn euro), 2</span><span class=\"__10 _471\"/>4 078 mn euro (2<span class=\"ws0_10\"><span class=\"__10 _469\">3 548 mn euro) respek</span><span class=\"__10 _471\"/>tive 41 mn euro (88 mn eur<span class=\"__10 _471\"/>o).<span class=\"__10 _469\"> </span></span>Nordea<span class=\"ws0_10\"> klassi\ufb01cerar ocks\u00e5 \ufb01nansiella tillg\u00e5ngar utif<span class=\"__10 _d_9\"/>r\u00e5n huru<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></span>vida avtalsvillk<span class=\"__10 _d_9\"/>oren f\u00f6r de \ufb01nansiella tillg\u00e5ngarna ger upphov till kassafl\u00f6den som utesl<span class=\"__10 _471\"/>utande utg\u00f6rs av bet<span class=\"__10 _471\"/>alning av k<span class=\"__10 _471\"/>apitalbe<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>lopp och r\u00e4n<span class=\"__10 _471\"/>ta p\u00e5 utest\u00e5ende k<span class=\"__10 _471\"/>apitalbelopp (SPPI, solely pa<span class=\"__10 _d_9\"/>y<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ment of principal and in<span class=\"__10 _d_9\"/>terest). Vissa l\u00e5nea<span class=\"__10 _471\"/>vtal hos <span class=\"wsf_9\">Nordea</span> inne<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>fa<span class=\"__10 _471\"/>ttar villkor som kopplar samman a<span class=\"__10 _d_9\"/>vtalsenliga kassafl\u00f6den med kundernas uppfyllelse a<span class=\"__10 _d_9\"/>v ESG-m\u00e5l (m\u00e5l avseende milj\u00f6, social<span class=\"__10 _d_9\"/>t<span class=\"__10 _c_9\"/> ansvar och bolagsstyrning). Vid \u00e5r<span class=\"__10 _471\"/>ets slut uppgick det redovisade <span class=\"__10 _469\">v\u00e4rdet p\u00e5 dessa h\u00e5llbarhetsl\u00e4nkade l\u00e5n till 6 775 mn euro </span>(<span class=\"ls8_9\"><span class=\"__10 _469\">2 098 mn euro</span><span class=\"__10 _d_9\"/>). <span class=\"wsf_9\">Nordea</span> anser att dessa l\u00e5n uppfyller SPPI-kra<span class=\"__10 _471\"/><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></span>ven i fr<span class=\"__10 _471\"/>\u00e5ga om att m\u00e5len \u00e4r kundspeci\ufb01ka. <span class=\"wsf_9\">Nor<span class=\"__10 _d_9\"/>dea<span class=\"ws0_10\">s bed\u00f6mning<span class=\"__10 _c_9\"/> </span></span>\u00e4r f\u00f6ljak<span class=\"__10 _d_9\"/>tligen att f\u00f6r\u00e4ndringen i a<span class=\"__10 _d_9\"/>vtalsenliga kassafl\u00f6den beror p\u00e5 den f\u00f6r<span class=\"__10 _471\"/>\u00e4ndrade kreditrisk<span class=\"__10 _471\"/>en till f\u00f6ljd a<span class=\"__10 _d_9\"/>v att kunden uppfyllt, eller inte upp<span class=\"__10 _471\"/>fyllt, ett ESG-m\u00e5l.<span class=\"__10 _469\"> </span>Nordea klassi\ufb01cerar emitt<span class=\"__10 _d_9\"/>erade eviga efterst\u00e4llda instru-<span class=\"__10 _469\"> </span>ment som an<span class=\"__10 _d_9\"/>tingen \ufb01nansiella skulder eller eget kapital. Nordea g\u00f6r bed\u00f6mningar f<span class=\"__10 _471\"/>\u00f6r att f<span class=\"__10 _471\"/>astst\u00e4lla om ins<span class=\"__10 _d_9\"/>trumentet innefa<span class=\"__10 _471\"/>ttar ett kra<span class=\"__10 _d_9\"/>v p\u00e5 r\u00e4ntebetalning, ber<span class=\"__10 _471\"/>oende p\u00e5 om en fram-<span class=\"__10 _469\"> </span>tida os\u00e4ker h\u00e4ndelse bortom b\u00e5de emitten<span class=\"__10 _471\"/>tens och inneha<span class=\"__10 _471\"/>va-<span class=\"__10 _469\"> </span>rens kon<span class=\"__10 _d_9\"/><span class=\"__10 _469\">troll intr\u00e4ff</span><span class=\"__10 _d_9\"/>ar eller inte intr<span class=\"__10 _471\"/><span class=\"__10 _469\">\u00e4ffar<span class=\"__10 _469\"> </span></span><span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>K3.3  Klassi\ufb01cering och v\u00e4rdering, forts.<span class=\"__10 _469\"> </span>122<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>Klassi\ufb01cering a<span class=\"__10 _d_9\"/>v \ufb01nansiella instrument<span class=\"__10 _469\"> </span>Tillg\u00e5ngar<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade<span class=\"__10 _469\"> </span> till verkligt v\u00e4rde via<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _471\"/>tr\u00e4kningen<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt<span class=\"__10 _469\"> </span> v\u00e4rde via<span class=\"__10 _469\"> </span> \u00f6vrigt<span class=\"__10 _469\"> </span> total-<span class=\"__10 _469\"> </span>resulta<span class=\"__10 _471\"/>t<span class=\"__10 _469\"> </span> Summ<span class=\"__10 _469\"> </span>a <span class=\"__10 _2b_4\"/> \ufb01nansiell<span class=\"__10 _469\"> </span>a  tillg\u00e5ngar<span class=\"__10 _500\"/>31 dec 2022, mn euro<span class=\"__10 _469\"> </span>Upplupet <span class=\"__10 _2b_4\"/> <span class=\"__10 _469\">anskaffnings-<span class=\"__10 _469\"> </span></span>v\u00e4rde <span class=\"__10 _501\"> </span>Obligatorisk<span class=\"__10 _471\"/>t<span class=\"__10 _469\"> </span>Fr\u00e5n b\u00f6rjan<span class=\"__10 _469\"> </span> v\u00e4rderade till<span class=\"__10 _469\"> </span> verkligt <span class=\"__10 _502\"> </span>v\u00e4rde  (verkligt v\u00e4rde-<span class=\"__10 _469\"> </span> optionen)<span class=\"__10 _469\"> </span>Kassa och tillgodoha<span class=\"__10 _471\"/>vanden hos cen<span class=\"__10 _471\"/>tralbanker<span class=\"__10 _469\"> </span>61 815<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _1f_6\"> </span>61 81<span class=\"__10 _469\"> </span>5<span class=\"__10 _469\"> </span>Utl\u00e5ning till centr<span class=\"__10 _471\"/>albanker <span class=\"__10 _506\"> </span>6<span class=\"__10 _507\"> </span>879<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _508\"> </span>885<span class=\"__10 _469\"> </span>Utl\u00e5ning till kreditinstitut<span class=\"__10 _509\"> </span>2 831<span class=\"__10 _505\"> </span><span class=\"lsd_8 ws13_9\">1<span class=\"__10 _1d_6\"/> 74<span class=\"__10 _1d_6\"/>2<span class=\"__10 _3a_5\"> </span></span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _483\"> </span><span class=\"ls4_9 ws7_9\">4 573<span class=\"__10 _469\"> </span></span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__10 _3b_4\"> </span>275 116<span class=\"__10 _508\"> </span>70 627<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _3c_4\"> </span>345 7<span class=\"__10 _d_9\"/>43<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/>ande v\u00e4rdepapper<span class=\"__10 _3d_4\"> </span>3 660<span class=\"__10 _3e_4\"> </span>21 417<span class=\"__10 _3f_4\"> </span>8 073<span class=\"__10 _510\"> </span>30 37<span class=\"__10 _d_9\"/>4<span class=\"__10 _2a_4\"> </span>63 5<span class=\"__10 _c_9\"/>24<span class=\"__10 _469\"> </span>Pan<span class=\"__10 _471\"/>tsatta \ufb01nansiella instrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _511\"> </span>\u2013<span class=\"__10 _512\"> </span>2 661<span class=\"__10 _513\"> </span>120<span class=\"__10 _514\"> </span>2 121<span class=\"__10 _515\"> </span>4 902<span class=\"__10 _469\"> </span>Aktier och andelar<span class=\"__10 _516\"> </span>\u2013<span class=\"__10 _498\"> </span>17 924<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _1f_6\"> </span>17 92<span class=\"__10 _471\"/>4<span class=\"__10 _469\"> </span>Tillg\u00e5ngar i placeringsportf\u00f6ljer och f<span class=\"__10 _471\"/>ondf\u00f6rs\u00e4kringsa<span class=\"__10 _471\"/>vtal<span class=\"__10 _517\"> </span>\u2013<span class=\"__10 _518\"> </span>40 289<span class=\"__10 _519\"> </span>666<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _4a_2\"> </span>40 955<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _4b_2\"> </span>\u2013<span class=\"__10 _496\"> </span>36 578<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _2a_4\"> </span>36 578<span class=\"__10 _469\"> </span>F\u00f6r\u00e4ndring a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde f\u00f6r r<span class=\"__10 _d_9\"/>\u00e4ntes\u00e4krade poster i s\u00e4kringsportf<span class=\"__10 _471\"/>\u00f6ljer<span class=\"__10 _4c_2\"> </span>-2 116<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _514\"> </span>-<span class=\"__10 _d_9\"/>2 116<span class=\"__10 _469\"> </span><span class=\"__10 _469\">\u00d6vriga tillg\u00e5ngar1</span><span class=\"__10 _4d_2\"> </span>2 261<span class=\"__10 _4e_2\"> </span>6 360<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _483\"> </span>8 621<span class=\"__10 _469\"> </span>F\u00f6rutbetalda k<span class=\"__10 _471\"/>ostnader och upplupna int<span class=\"__10 _471\"/>\u00e4kter<span class=\"__10 _469\"> </span>475<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _498\"> </span>47<span class=\"__10 _469\"> </span>5<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _4f_2\"> </span>344 048<span class=\"__10 _520\"> </span>198 477<span class=\"__10 _521\"> </span>8 859<span class=\"__10 _3c_4\"> </span>32 495<span class=\"__10 _522\"> </span>583 879<span class=\"__10 _469\"> </span>1) V<span class=\"__10 _d_9\"/>arav st\u00e4llda marginals\u00e4kerheter klassi\ufb01c<span class=\"__10 _471\"/>erade i kategorin Finansiella tillg\u00e5ngar v<span class=\"__10 _471\"/>\u00e4rderade till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de via resultatr\u00e4kningen obligatorisk<span class=\"__10 _471\"/>t 6 046 mn euro<span class=\"__10 _469\"> </span>.<span class=\"__10 _469\"> </span>Skulder<span class=\"__10 _469\"> </span>Finansiella skulder v\u00e4rderade till<span class=\"__10 _469\"> </span> verkligt v\u00e4rde via<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _471\"/>tr\u00e4kningen<span class=\"__10 _469\"> </span>Summ<span class=\"__10 _469\"> </span>a<span class=\"__10 _469\"> </span> \ufb01nansiell<span class=\"__10 _469\"> </span>a<span class=\"__10 _469\"> </span> skulder<span class=\"__10 _500\"/>31 dec 2022, mn euro<span class=\"__10 _469\"> </span>Upplupet<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">anskaffnings-<span class=\"__10 _469\"> </span></span>v\u00e4rde <span class=\"__10 _523\"> </span>Obligatoriska<span class=\"__10 _469\"> </span>Fr\u00e5n b\u00f6rjan <span class=\"__10 _2b_4\"/> v\u00e4rderade till<span class=\"__10 _469\"> </span> verkligt <span class=\"__10 _502\"> </span>v\u00e4rde  (verkligt v\u00e4rde-<span class=\"__10 _469\"> </span> optionen)<span class=\"__10 _469\"> </span>Skulder till kreditinstitut<span class=\"__10 _524\"> </span>22 423<span class=\"__10 _496\"> </span>10 446<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _4a_2\"> </span>32 869<span class=\"__10 _469\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__10 _525\"> </span>210 814<span class=\"__10 _4e_2\"> </span>6 650<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _3c_4\"> </span>217 464<span class=\"__10 _469\"> </span>Inl\u00e5ning i placeringsportf\u00f6ljer och f<span class=\"__10 _471\"/>ondf\u00f6rs\u00e4kringsa<span class=\"__10 _471\"/>vtal<span class=\"__10 _526\"> </span>\u2013<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _4e_2\"> </span><span class=\"ls4_9 ws7_9\">42<span class=\"__10 _c_9\"/> 776<span class=\"__10 _491\"> </span>4<span class=\"__10 _c_9\"/>2 7<span class=\"__10 _c_9\"/>76<span class=\"__10 _469\"> </span></span>Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper <span class=\"__10 _527\"> </span>128 488<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _505\"> </span>5<span class=\"__10 _d_9\"/>1 315<span class=\"__10 _3c_4\"> </span>179 803<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t <span class=\"__10 _528\"> </span>\u2013<span class=\"__10 _496\"> </span>40 102<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _491\"> </span>40 102<span class=\"__10 _469\"> </span>F\u00f6r\u00e4ndring a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde f\u00f6r r<span class=\"__10 _d_9\"/>\u00e4ntes\u00e4krade poster i s\u00e4kringsportf<span class=\"__10 _471\"/>\u00f6ljer<span class=\"__10 _529\"> </span>-2 175<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _5a_2\"> </span>-2 175<span class=\"__10 _469\"> </span><span class=\"__10 _469\">\u00d6vriga skulder1</span><span class=\"__10 _5b_2\"> </span>5 225<span class=\"__10 _498\"> </span>10 202<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _5c_2\"> </span>15 427<span class=\"__10 _469\"> </span>Upplupna kostnader och f<span class=\"__10 _d_9\"/>\u00f6rutbetalda int\u00e4kter<span class=\"__10 _5d_2\"> </span>7<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _5e_2\"> </span>7<span class=\"__10 _469\"> </span>Efterst\u00e4llda sk<span class=\"__10 _471\"/>ulder<span class=\"__10 _5f_2\"> </span>5 401<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _483\"> </span>5 401<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _530\"> </span>370 183<span class=\"__10 _518\"> </span>67 400<span class=\"__10 _3e_4\"> </span>94 091<span class=\"__10 _531\"> </span>531 67<span class=\"__10 _d_9\"/>4<span class=\"__10 _469\"> </span>1)  V<span class=\"__10 _471\"/>arav leasingsk<span class=\"__10 _471\"/>ulder klassi\ufb01cerade i kat<span class=\"__10 _471\"/><span class=\"__10 _469\">egorin Upplupet anskaffningsv\u00e4r</span><span class=\"__10 _471\"/>de 1 080 mn euro<span class=\"__10 _469\"> </span>.<span class=\"__10 _469\"> </span>K3.3  Klassi\ufb01cering och v\u00e4rdering, forts.<span class=\"__10 _469\"> </span>123<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>K3.3  Klassi\ufb01cering av och v\u00e4rdering, forts.<span class=\"__10 _469\"> </span>Klassi\ufb01cering a<span class=\"__10 _d_9\"/>v \ufb01nansiella instrument<span class=\"__10 _469\"> </span>Tillg\u00e5ngar<span class=\"__10 _469\"> </span>31 dec 2021, mn euro<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade <span class=\"__10 _2b_4\"/> till verkligt v\u00e4rde via<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _471\"/>tr\u00e4kningen<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt<span class=\"__10 _469\"> </span> v\u00e4rde via<span class=\"__10 _469\"> </span> \u00f6vrigt<span class=\"__10 _469\"> </span> total-<span class=\"__10 _469\"> </span>resulta<span class=\"__10 _471\"/>t<span class=\"__10 _469\"> </span> Upplupet <span class=\"__10 _2b_4\"/> <span class=\"__10 _469\">anskaffnings-<span class=\"__10 _469\"> </span></span>v\u00e4rde <span class=\"__10 _523\"> </span>Obligatoriska<span class=\"__10 _469\"> </span>Fr\u00e5n b\u00f6rjan<span class=\"__10 _469\"> </span> v\u00e4rderade till<span class=\"__10 _469\"> </span> verkligt <span class=\"__10 _502\"> </span>v\u00e4rde  (verkligt<span class=\"__10 _469\"> </span> v\u00e4rde-<span class=\"__10 _469\"> </span> optionen)<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _469\"> </span> \ufb01nansiella<span class=\"__10 _469\"> </span> tillg\u00e5ngar<span class=\"__10 _469\"> </span>Kassa och tillgodoha<span class=\"__10 _471\"/>vanden hos cen<span class=\"__10 _471\"/>tralbanker<span class=\"__10 _469\"> </span>47 495<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _2a_4\"> </span>47 495<span class=\"__10 _469\"> </span>Utl\u00e5ning till centr<span class=\"__10 _471\"/>albanker <span class=\"__10 _532\"> </span>5<span class=\"__10 _5e_2\"> </span>404<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _496\"> </span>409<span class=\"__10 _469\"> </span>Utl\u00e5ning till kreditinstitut<span class=\"__10 _533\"> </span>1 791<span class=\"__10 _534\"> </span>192<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _483\"> </span>1 983<span class=\"__10 _469\"> </span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__10 _535\"> </span>269 87<span class=\"__10 _d_9\"/>4<span class=\"__10 _494\"> </span><span class=\"ls4_9 ws7_9\">7<span class=\"__10 _c_9\"/>5 176<span class=\"__10 _504\"> </span></span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _522\"> </span>345 050<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/>ande v\u00e4rdepapper<span class=\"__10 _3d_4\"> </span>3 448<span class=\"__10 _496\"> </span>21 880<span class=\"__10 _521\"> </span>4 083<span class=\"__10 _510\"> </span>33 972<span class=\"__10 _2a_4\"> </span>63 383<span class=\"__10 _469\"> </span>Pan<span class=\"__10 _471\"/>tsatta \ufb01nansiella instrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _511\"> </span>\u2013<span class=\"__10 _536\"> </span>1 668<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _483\"> </span>1 668<span class=\"__10 _469\"> </span>Aktier och andelar<span class=\"__10 _516\"> </span>\u2013<span class=\"__10 _537\"> </span>15 217<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _538\"> </span>15 217<span class=\"__10 _469\"> </span>Tillg\u00e5ngar i placeringsportf\u00f6ljer och f<span class=\"__10 _471\"/>ondf\u00f6rs\u00e4kringsa<span class=\"__10 _471\"/>vtal<span class=\"__10 _517\"> </span>\u2013<span class=\"__10 _518\"> </span>46 030<span class=\"__10 _519\"> </span>280<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _491\"> </span>46 310<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _4b_2\"> </span>\u2013<span class=\"__10 _518\"> </span>30 200<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _4a_2\"> </span>30 200<span class=\"__10 _469\"> </span>F\u00f6r\u00e4ndring a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde f\u00f6r r<span class=\"__10 _d_9\"/>\u00e4ntes\u00e4krade poster i s\u00e4kringsportf<span class=\"__10 _471\"/>\u00f6ljer<span class=\"__10 _539\"> </span>-65<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>-65<span class=\"__10 _469\"> </span><span class=\"__10 _469\">\u00d6vriga tillg\u00e5ngar1</span><span class=\"__10 _527\"> </span>829<span class=\"__10 _512\"> </span>7 265<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _5a_2\"> </span>8 094<span class=\"__10 _469\"> </span>F\u00f6rutbetalda k<span class=\"__10 _471\"/>ostnader och upplupna int<span class=\"__10 _471\"/>\u00e4kter<span class=\"__10 _469\"> </span>609<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _496\"> </span>609<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _6a_2\"> </span>323 986<span class=\"__10 _520\"> </span>198 032<span class=\"__10 _521\"> </span>4 363<span class=\"__10 _6b_2\"> </span>33 972<span class=\"__10 _6c_2\"> </span>560 353<span class=\"__10 _469\"> </span>1) V<span class=\"__10 _d_9\"/>arav st\u00e4llda marginals\u00e4kerheter klassi\ufb01c<span class=\"__10 _471\"/>erade i kategorin Finansiella tillg\u00e5ngar v<span class=\"__10 _471\"/>\u00e4rderade till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de via resultatr\u00e4kningen obligatorisk<span class=\"__10 _471\"/>t 6 578 mn euro.<span class=\"__10 _469\"> </span><span class=\"__10 _469\">Skulder1<span class=\"__10 _469\"> </span></span>31 dec 2021, mn euro<span class=\"__10 _469\"> </span>Finansiella skulder v\u00e4rderade  till verkligt v\u00e4rde via<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _471\"/>tr\u00e4kningen<span class=\"__10 _469\"> </span>Upplupet<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">anskaffnings-<span class=\"__10 _469\"> </span></span>v\u00e4rde <span class=\"__10 _523\"> </span>Obligatoriska<span class=\"__10 _469\"> </span>Fr\u00e5n b\u00f6rjan <span class=\"__10 _2b_4\"/> v\u00e4rderade till <span class=\"__10 _2b_4\"/> verkligt v\u00e4rde<span class=\"__10 _469\"> </span> (verkligt v\u00e4rde<span class=\"__10 _469\"> </span> -optionen)<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _469\"> </span> \ufb01nansiella<span class=\"__10 _469\"> </span> tillg\u00e5ngar<span class=\"__10 _469\"> </span>Skulder till kreditinstitut<span class=\"__10 _6d_2\"> </span>23 646<span class=\"__10 _505\"> </span>3 315<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _491\"> </span>26,961<span class=\"__10 _469\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__10 _6e_2\"> </span>203 162<span class=\"__10 _536\"> </span>2 639<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>205,801<span class=\"__10 _469\"> </span>Inl\u00e5ning i placeringsportf\u00f6ljer och f<span class=\"__10 _471\"/>ondf\u00f6rs\u00e4kringsa<span class=\"__10 _471\"/>vtal<span class=\"__10 _526\"> </span>\u2013<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>48 201<span class=\"__10 _2a_4\"> </span><span class=\"lse_8 ws14_9\">48,201<span class=\"__10 _469\"> </span></span>Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper <span class=\"__10 _540\"> </span>118 358<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _537\"> </span>58 007<span class=\"__10 _531\"> </span>176 365<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t <span class=\"__10 _528\"> </span>\u2013<span class=\"__10 _508\"> </span>31 485<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _491\"> </span>31 485<span class=\"__10 _469\"> </span>F\u00f6r\u00e4ndring a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde f\u00f6r r<span class=\"__10 _d_9\"/>\u00e4ntes\u00e4krade poster i s\u00e4kringsportf<span class=\"__10 _471\"/>\u00f6ljer<span class=\"__10 _f_9\"> </span>101<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>101<span class=\"__10 _469\"> </span><span class=\"__10 _469\">\u00d6vriga skulder2</span><span class=\"__10 _541\"> </span>4 307<span class=\"__10 _494\"> </span>11 87<span class=\"__10 _c_9\"/>3<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _5c_2\"> </span>16 180<span class=\"__10 _469\"> </span>Upplupna kostnader och f<span class=\"__10 _d_9\"/>\u00f6rutbetalda int\u00e4kter<span class=\"__10 _542\"> </span>8<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _485\"> </span>8<span class=\"__10 _469\"> </span>Efterst\u00e4llda sk<span class=\"__10 _471\"/>ulder<span class=\"__10 _543\"> </span>6 850<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _514\"> </span>6 850<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _544\"> </span>356 432<span class=\"__10 _508\"> </span>49 312<span class=\"__10 _545\"> </span>106 208<span class=\"__10 _6b_2\"> </span>511 952<span class=\"__10 _469\"> </span>1)  Skulder till f\u00f6rs\u00e4kringstagare har under 2022 klassi\ufb01c<span class=\"__10 _471\"/>erats som f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s\u00e4kringsavtal och ing\u00e5r in<span class=\"__10 _471\"/>te i upplysningarna ov<span class=\"__10 _471\"/>an. J\u00e4mf\u00f6r<span class=\"__10 _471\"/><span class=\"__10 _469\">elsesiffrorna har r\u00e4kna</span><span class=\"__10 _d_9\"/>ts om.<span class=\"__10 _469\"> </span>2)  V<span class=\"__10 _471\"/>arav leasingsk<span class=\"__10 _471\"/>ulder klassi\ufb01cerade i kat<span class=\"__10 _471\"/><span class=\"__10 _469\">egorin Upplupet anskaffningsv\u00e4r</span><span class=\"__10 _471\"/>de 1 147 mn euro<span class=\"__10 _469\"> </span>.<span class=\"__10 _469\"> </span><span class=\"__10 _469\">Upplupet anskaff</span><span class=\"__10 _471\"/>ningsv\u00e4rde<span class=\"__10 _469\"> </span>Den h\u00e4r kategorin om<span class=\"__10 _d_9\"/>fattar huvudsakligen all utl\u00e5ning (inklu-<span class=\"__10 _469\"> </span>sive l\u00e5nef<span class=\"__10 _471\"/>ordringar med inb\u00e4ddade r\u00e4n<span class=\"__10 _d_9\"/>tekorridorer och r\u00e4n<span class=\"__10 _471\"/>te-<span class=\"__10 _469\"> </span>tak) och inl\u00e5ning, med undantag f<span class=\"__10 _d_9\"/>\u00f6r omv\u00e4nda repor<span class=\"__10 _d_9\"/>/repor och avtal om v<span class=\"__10 _d_9\"/>\u00e4rdepappersl\u00e5n inom Markets och hypoteksl\u00e5n i Nordea Kredit R<span class=\"__10 _471\"/>ealkreditak<span class=\"__10 _471\"/>tieselskab. K<span class=\"__10 _d_9\"/>ategorin omfa<span class=\"__10 _d_9\"/>ttar ocks\u00e5 r\u00e4n<span class=\"__10 _471\"/>teb\u00e4rande v<span class=\"__10 _471\"/>\u00e4rdepapper som huvudsakligen h\u00e4rr\u00f6r fr\u00e5n en portf<span class=\"__10 _471\"/>\u00f6lj av r<span class=\"__10 _d_9\"/>\u00e4nteb\u00e4rande v\u00e4r<span class=\"__10 _471\"/>depapper inom Life &amp; Pension i Norge, r<span class=\"__10 _d_9\"/>\u00e4nteb\u00e4rande v\u00e4r<span class=\"__10 _471\"/>depapper i del av likvidi-<span class=\"__10 _469\"> </span>tetsreserven, efters<span class=\"__10 _471\"/>t\u00e4llda skulder och emitter<span class=\"__10 _d_9\"/>ade v\u00e4rdepap-<span class=\"__10 _469\"> </span>per<span class=\"__10 _d_9\"/>, med undantag f<span class=\"__10 _471\"/>\u00f6r obligationer emitter<span class=\"__10 _471\"/>ade av Nor<span class=\"__10 _d_9\"/>dea Kredit Realkr<span class=\"__10 _471\"/>editakties<span class=\"__10 _471\"/>elskab och struk<span class=\"__10 _d_9\"/>turerade obligationer emitterade a<span class=\"__10 _d_9\"/>v Markets.<span class=\"__10 _469\"> </span>Obligatorisk<span class=\"__10 _d_9\"/>t v\u00e4rderade till verkligt v\u00e4rde via r<span class=\"__10 _471\"/>esulta<span class=\"__10 _d_9\"/>tr\u00e4kningen<span class=\"__10 _469\"> </span>Underkategorin \u201dObliga<span class=\"__10 _471\"/>toriskt v<span class=\"__10 _d_9\"/>\u00e4rderade till verkligt v\u00e4rde via resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen\u201d inneh\u00e5ller huvudsakligen alla tillg\u00e5ngar och tradingrela<span class=\"__10 _471\"/>terade sk<span class=\"__10 _471\"/>ulder inom Markets, r\u00e4n<span class=\"__10 _d_9\"/>teb\u00e4rande v\u00e4rdepapper i likviditetsr<span class=\"__10 _d_9\"/>eser<span class=\"__10 _c_9\"/>ven, deriva<span class=\"__10 _471\"/>t, aktier<span class=\"__10 _d_9\"/>, hypoteksl\u00e5n i Nordea Kredit R<span class=\"__10 _471\"/>ealkreditak<span class=\"__10 _471\"/>tieselskab sam<span class=\"__10 _471\"/>t \ufb01nansiella till-<span class=\"__10 _469\"> </span>g\u00e5ngar under \u201dTillg\u00e5ngar i placeringsportf\u00f6ljer och f<span class=\"__10 _d_9\"/>ondf\u00f6r-<span class=\"__10 _469\"> </span>s\u00e4kringsavtal\u201d<span class=\"__10 _479\"/>. Inl\u00e5ning i placeringsportf\u00f6ljer och f<span class=\"__10 _d_9\"/>ondf\u00f6rs\u00e4k-<span class=\"__10 _469\"> </span>ringsavtal \u00e4r a<span class=\"__10 _d_9\"/>vtal med kunder och f\u00f6rs\u00e4krings<span class=\"__10 _471\"/>tagare d\u00e4r ris-<span class=\"__10 _469\"> </span>ken huvudsakligen eller helt tas a<span class=\"__10 _d_9\"/>v f\u00f6rs\u00e4kringstagarna. Inl\u00e5ningsmedlen inves<span class=\"__10 _d_9\"/>teras i olika typer av \ufb01nansiella till-<span class=\"__10 _469\"> </span>g\u00e5ngar till f\u00f6rm\u00e5n f<span class=\"__10 _d_9\"/>\u00f6r kunderna och f\u00f6rs\u00e4kringstagarna.<span class=\"__10 _469\"> </span>124<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>Finansiella tillg\u00e5ngar som fr\u00e5n b\u00f6rjan v<span class=\"__10 _d_9\"/>\u00e4rderats<span class=\"__10 _469\"> </span> till verkligt v\u00e4r<span class=\"__10 _471\"/>de via resul<span class=\"__10 _471\"/>tatr<span class=\"__10 _471\"/>\u00e4kningen<span class=\"__10 _469\"> </span> (verkligt v\u00e4r<span class=\"__10 _471\"/>de-optionen)<span class=\"__10 _469\"> </span>Alla r\u00e4n<span class=\"__10 _471\"/>teb\u00e4rande v<span class=\"__10 _471\"/>\u00e4rdepapper (inklusive pan<span class=\"__10 _d_9\"/>tsatta \ufb01nan-<span class=\"__10 _469\"> </span>siella instrument) i f<span class=\"__10 _d_9\"/>\u00f6rs\u00e4kringsavtal inom Lif<span class=\"__10 _471\"/>e &amp; Pension, med<span class=\"__10 _469\"> </span> undantag f<span class=\"__10 _d_9\"/>\u00f6r en por<span class=\"__10 _c_9\"/>tf\u00f6lj a<span class=\"__10 _d_9\"/>v r\u00e4nteb\u00e4r<span class=\"__10 _471\"/>ande v\u00e4rdepapper i<span class=\"__10 _469\"> </span> Norge \u2013 till ett v\u00e4r<span class=\"__10 _471\"/>de av 8 193 mn eur<span class=\"__10 _471\"/>o (<span class=\"__10 _d_9\"/>4 083 mn euro) \u2013 v\u00e4r-<span class=\"__10 _469\"> </span>deras redan f<span class=\"__10 _471\"/>r\u00e5n b\u00f6rjan till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde via resultatr\u00e4kning-<span class=\"__10 _469\"> </span>en f\u00f6r a<span class=\"__10 _471\"/>tt eliminera eller a<span class=\"__10 _d_9\"/>vsev\u00e4rt minska den bristande \u00f6ver-<span class=\"__10 _469\"> </span>ensst\u00e4mmelsen i redo<span class=\"__10 _d_9\"/>visningen med de skulder till f\u00f6rs\u00e4k-<span class=\"__10 _469\"> </span>ringstagare som v<span class=\"__10 _d_9\"/>\u00e4rderas till verkligt v\u00e4rde.  <span class=\"__10 _479\"/>Tillg\u00e5ngar i<span class=\"__10 _469\"> </span> placeringsportf\u00f6ljer och f<span class=\"__10 _d_9\"/>ondf\u00f6rs\u00e4kringsavtal inom Lif<span class=\"__10 _d_9\"/>e &amp;<span class=\"__10 _469\"> </span> Pension som in<span class=\"__10 _d_9\"/>te obligatoriskt v<span class=\"__10 _471\"/>\u00e4rderas till v<span class=\"__10 _471\"/>erkligt v\u00e4rde via<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen \u2013 till ett v\u00e4rde av 666 mn eur<span class=\"__10 _d_9\"/>o (280 mn<span class=\"__10 _469\"> </span> euro) \u2013 v<span class=\"__10 _471\"/>\u00e4rderas r<span class=\"__10 _471\"/>edan fr\u00e5n b\u00f6rjan till v<span class=\"__10 _471\"/>erkligt v\u00e4rde via r<span class=\"__10 _471\"/>esul-<span class=\"__10 _469\"> </span>tatr\u00e4kningen f<span class=\"__10 _d_9\"/>\u00f6r att undvika bristande \u00f6v<span class=\"__10 _471\"/>erensst\u00e4mmels<span class=\"__10 _471\"/>e i<span class=\"__10 _469\"> </span> redovisningen med mo<span class=\"__10 _471\"/>tsvarande inl\u00e5ning. Nor<span class=\"__10 _471\"/>dea upplyser<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">inte om eff</span><span class=\"__10 _d_9\"/>ekten a<span class=\"__10 _d_9\"/>v f\u00f6r\u00e4ndring i kreditrisk p\u00e5 dessa tillg\u00e5ng-<span class=\"__10 _469\"> </span>ars verkliga v\u00e4rden och f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndring i verkligt v\u00e4rde a<span class=\"__10 _d_9\"/>v relate-<span class=\"__10 _469\"> </span>Finansiella skulder redan fr<span class=\"__10 _d_9\"/>\u00e5n b\u00f6rjan v\u00e4rderade till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de (verkligt v\u00e4rde-optionen)<span class=\"__10 _469\"> </span>2022<span class=\"__10 _546\"> </span>2021<span class=\"__10 _469\"> </span>Mn euro<span class=\"__10 _469\"> </span>Skulder d\u00e4r<span class=\"__10 _469\"> </span> f\u00f6r\u00e4ndring i<span class=\"__10 _469\"> </span> kreditrisk<span class=\"__10 _469\"> </span> presenter<span class=\"__10 _d_9\"/>as i<span class=\"__10 _469\"> </span> \u00d6vrigt<span class=\"__10 _469\"> </span> totalresul<span class=\"__10 _471\"/>tat<span class=\"__10 _469\"> </span> (OCI)<span class=\"__10 _469\"> </span>Skulder d\u00e4r<span class=\"__10 _469\"> </span> f\u00f6r\u00e4ndring i<span class=\"__10 _469\"> </span> kreditrisk<span class=\"__10 _469\"> </span> presenter<span class=\"__10 _d_9\"/>as i<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _471\"/>tr\u00e4kningen<span class=\"__10 _547\"> </span>Summa<span class=\"__10 _469\"> </span>Skulder d\u00e4r<span class=\"__10 _469\"> </span> f\u00f6r\u00e4ndring i<span class=\"__10 _469\"> </span> kreditrisk<span class=\"__10 _469\"> </span> presenter<span class=\"__10 _d_9\"/>as i<span class=\"__10 _469\"> </span> \u00d6vrigt<span class=\"__10 _469\"> </span> totalresul<span class=\"__10 _471\"/>tat<span class=\"__10 _469\"> </span> (OCI)<span class=\"__10 _469\"> </span>Skulder d\u00e4r<span class=\"__10 _469\"> </span> f\u00f6r\u00e4ndring i<span class=\"__10 _469\"> </span> kreditrisk<span class=\"__10 _469\"> </span> presenter<span class=\"__10 _d_9\"/>as i<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _471\"/>tr\u00e4kningen<span class=\"__10 _548\"> </span>Summa<span class=\"__10 _469\"> </span>Redovisat v<span class=\"__10 _d_9\"/>\u00e4rde<span class=\"__10 _549\"> </span>1 371<span class=\"__10 _7a_2\"> </span>92 720<span class=\"__10 _545\"> </span>94 091<span class=\"__10 _7b_2\"> </span>1 568<span class=\"__10 _7b_2\"> </span>104 6<span class=\"__10 _c_9\"/>40<span class=\"__10 _515\"> </span>106 208<span class=\"__10 _469\"> </span>Belopp att betala vid f<span class=\"__10 _471\"/><span class=\"__10 _469\">\u00f6rfall1</span><span class=\"__10 _7c_2\"> </span>1 634<span class=\"__10 _7d_3\"> </span>101 694<span class=\"__10 _483\"> </span>103 328<span class=\"__10 _485\"> </span>1 568<span class=\"__10 _5e_2\"> </span>108 062<span class=\"__10 _487\"> </span>109 630<span class=\"__10 _469\"> </span>F\u00f6r\u00e4ndring i v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde till f\u00f6ljd av f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndring i<span class=\"__10 _469\"> </span> kreditrisk, under \u00e5ret<span class=\"__10 _7e_2\"> </span>7<span class=\"__10 _7f_3\"> </span><span class=\"lse_8 ws14_9\">-43<span class=\"__10 _5e_2\"> </span></span>-36<span class=\"__10 _550\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _551\"> </span></span>-119<span class=\"__10 _552\"> </span>-121<span class=\"__10 _469\"> </span>F\u00f6r\u00e4ndring i v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde till f\u00f6ljd av f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndring i<span class=\"__10 _469\"> </span> kreditrisk, ackumulerat<span class=\"__10 _553\"> </span>-9<span class=\"__10 _554\"> </span>-583<span class=\"__10 _555\"> </span>-592<span class=\"__10 _7a_2\"> </span><span class=\"ls4_9 ws7_9\">-16<span class=\"__10 _550\"> </span></span>-540<span class=\"__10 _521\"> </span>-556<span class=\"__10 _469\"> </span>1)   <span class=\"__10 _2b_4\"/>Skulder till f\u00f6rs\u00e4kringstagare har ingen f<span class=\"__10 _d_9\"/>ast l\u00f6ptid och inget fastsatt belopp att betala vid f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>fall. Belopp att betala vid f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>fall har f<span class=\"__10 _471\"/>\u00f6r dessa skulder bed\u00f6mts uppg\u00e5 till det redo<span class=\"__10 _d_9\"/>vi-<span class=\"__10 _469\"> </span>sade v\u00e4rdet.<span class=\"__10 _469\"> </span>K3.3  Klassi\ufb01cering och v\u00e4rdering, forts.<span class=\"__10 _469\"> </span>rade kreditderiv<span class=\"__10 _d_9\"/>at<span class=\"__10 _c_9\"/>, eftersom s\u00e5dana v\u00e4rde<span class=\"__10 _471\"/>f\u00f6r<span class=\"__10 _471\"/>\u00e4ndringar ome-<span class=\"__10 _469\"> </span>delbart kommer att result<span class=\"__10 _471\"/>era i v\u00e4s<span class=\"__10 _471\"/>entligen samma f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndring<span class=\"__10 _469\"> </span> i redovisa<span class=\"__10 _471\"/>t v\u00e4rde p\u00e5 mo<span class=\"__10 _471\"/>tsvarande sk<span class=\"__10 _d_9\"/>ulder till f\u00f6rs\u00e4kringsta-<span class=\"__10 _469\"> </span>gare. F<span class=\"__10 _471\"/>\u00f6r\u00e4ndring i egen kreditrisk p\u00e5 dessa tillg\u00e5ngar i Lif<span class=\"__10 _d_9\"/>e &amp;<span class=\"__10 _469\"> </span> Pension kommer d\u00e4rf<span class=\"__10 _d_9\"/>\u00f6r inte att f\u00e5 n\u00e5gon v<span class=\"__10 _d_9\"/>\u00e4sentlig p\u00e5v<span class=\"__10 _471\"/>erkan<span class=\"__10 _469\"> </span> p\u00e5 resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen eller eget kapital.<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar som fr\u00e5n b\u00f6rjan v<span class=\"__10 _d_9\"/>\u00e4rderats  till verkligt v\u00e4r<span class=\"__10 _471\"/>de via result<span class=\"__10 _471\"/>atr\u00e4kningen<span class=\"__10 _469\"> </span>Mn euro <span class=\"__10 _556\"> </span>2022<span class=\"__10 _518\"> </span>2021<span class=\"__10 _469\"> </span>Redovisat v<span class=\"__10 _d_9\"/>\u00e4rde vid \u00e5rets slut<span class=\"__10 _557\"> </span>8 859<span class=\"__10 _487\"> </span>4 363<span class=\"__10 _469\"> </span>Maximal exponering f<span class=\"__10 _d_9\"/>\u00f6r kreditrisk vid \u00e5rets slut<span class=\"__10 _515\"> </span>8 859<span class=\"__10 _487\"> </span>4 363<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar v\u00e4rder<span class=\"__10 _471\"/>ade till<span class=\"__10 _469\"> </span> verkligt v\u00e4r<span class=\"__10 _471\"/>de via \u00f6vrigt to<span class=\"__10 _471\"/>talresul<span class=\"__10 _471\"/>tat<span class=\"__10 _469\"> </span> Finansiella tillg\u00e5ngar v\u00e4rder<span class=\"__10 _471\"/>ade till verkligt v\u00e4r<span class=\"__10 _471\"/>de via \u00f6vrigt<span class=\"__10 _469\"> </span> totalr<span class=\"__10 _471\"/>esultat ut<span class=\"__10 _471\"/>g\u00f6rs huvudsakligen av r<span class=\"__10 _471\"/>\u00e4nteb\u00e4r<span class=\"__10 _d_9\"/>ande v\u00e4rde-<span class=\"__10 _469\"> </span>papper i likviditetsreserven.<span class=\"__10 _469\"> </span>125<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>Finansiella skulder som fr<span class=\"__10 _d_9\"/>\u00e5n b\u00f6rjan v\u00e4rderats<span class=\"__10 _469\"> </span> till verkligt v\u00e4r<span class=\"__10 _471\"/>de via resul<span class=\"__10 _471\"/>tatr<span class=\"__10 _471\"/>\u00e4kningen<span class=\"__10 _469\"> </span> (verkligt v\u00e4r<span class=\"__10 _471\"/>de-optionen)<span class=\"__10 _469\"> </span>Nordea har klassi\ufb01cera<span class=\"__10 _d_9\"/>t alla emitterade hypoteksobliga<span class=\"__10 _d_9\"/>tioner<span class=\"__10 _469\"> </span> i det danska dotterf<span class=\"__10 _471\"/>\u00f6retaget Nordea Kr<span class=\"__10 _471\"/>edit Realkreditak<span class=\"__10 _d_9\"/>tie-<span class=\"__10 _469\"> </span>selskab, motsv<span class=\"__10 _d_9\"/>arande 49 944 mn euro (56 439 mn euro), som<span class=\"__10 _469\"> </span> \ufb01nansiella skulder som fr<span class=\"__10 _d_9\"/>\u00e5n b\u00f6rjan v\u00e4rderats till verkligt<span class=\"__10 _469\"> </span> v\u00e4rde via r<span class=\"__10 _471\"/>esultatr<span class=\"__10 _d_9\"/>\u00e4kningen, f\u00f6r att eliminera eller a<span class=\"__10 _d_9\"/>vsev\u00e4rt<span class=\"__10 _469\"> </span> minska bristande \u00f6v<span class=\"__10 _d_9\"/>erensst\u00e4mmelse i redovisningen. N\u00e4r<span class=\"__10 _469\"> </span> Nordea beviljar bol\u00e5n till kunder i enlighet med dansk lag-<span class=\"__10 _469\"> </span>stiftning om bostads\ufb01nansiering emitt<span class=\"__10 _471\"/>erar Nordea sam<span class=\"__10 _d_9\"/>tidigt<span class=\"__10 _469\"> </span> obligationer med matchande villk<span class=\"__10 _d_9\"/>or, s\u00e5 kallad ma<span class=\"__10 _d_9\"/>tchad \ufb01nan-<span class=\"__10 _469\"> </span>siering. Kunderna kan \u00e5t<span class=\"__10 _471\"/>erbetala sina l\u00e5n genom att an<span class=\"__10 _471\"/>tingen<span class=\"__10 _469\"> </span> \u00e5terbetala sk<span class=\"__10 _471\"/>uldbeloppet eller k\u00f6pa de emitter<span class=\"__10 _471\"/>ade obligatio-<span class=\"__10 _469\"> </span>nerna och \u00e5terl\u00e4mna dessa till Nor<span class=\"__10 _471\"/>dea som reglering a<span class=\"__10 _d_9\"/>v for-<span class=\"__10 _469\"> </span>dran. Obligationerna \u00e4r en vik<span class=\"__10 _d_9\"/>tig komponent p\u00e5 den danska<span class=\"__10 _469\"> </span> penningmarknaden och Nordea k\u00f6per och s\u00e4ljer f<span class=\"__10 _d_9\"/>\u00f6ljaktligen<span class=\"__10 _469\"> </span> egna obligationer p\u00e5 marknaden. L\u00e5nen v<span class=\"__10 _471\"/>\u00e4rderas till v<span class=\"__10 _471\"/>erkligt<span class=\"__10 _469\"> </span> v\u00e4rde via r<span class=\"__10 _471\"/>esultatr<span class=\"__10 _d_9\"/>\u00e4kningen eftersom de inte uppfyller SPPI-<span class=\"__10 _469\"> </span>kriteriet, och om obligationerna v\u00e4rder<span class=\"__10 _471\"/>ades till upplupet<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">anskaffningsv</span><span class=\"__10 _471\"/>\u00e4rde skulle detta ge uppho<span class=\"__10 _d_9\"/>v till bristande \u00f6ver-<span class=\"__10 _469\"> </span>ensst\u00e4mmelse i redo<span class=\"__10 _d_9\"/>visningen. F\u00f6r att undvika detta v\u00e4r<span class=\"__10 _d_9\"/>derar<span class=\"__10 _469\"> </span> Nordea obligationerna till v<span class=\"__10 _471\"/>erkligt v\u00e4rde, med alla f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndring-<span class=\"__10 _469\"> </span>ar i verkligt v\u00e4r<span class=\"__10 _471\"/>de, inklusive f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i kreditrisk, redovi-<span class=\"__10 _469\"> </span>sade i resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen. F\u00f6r\u00e4ndring i verkligt v<span class=\"__10 _d_9\"/>\u00e4rde till f\u00f6ljd<span class=\"__10 _469\"> </span> av f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i egen kreditrisk p\u00e5 hypot<span class=\"__10 _471\"/>eksobligationer<span class=\"__10 _469\"> </span> emitterade a<span class=\"__10 _d_9\"/>v <span class=\"ws0_10\">Nordea</span> Kredit Realkreditak<span class=\"__10 _d_9\"/>tiesel <span class=\"__10 _2f_4\"/>skab, ber\u00e4knas<span class=\"__10 _469\"> </span> genom att f<span class=\"__10 _471\"/>astst\u00e4lla den beloppsm\u00e4ssiga f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringen i verk<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>ligt v\u00e4rde som in<span class=\"__10 _d_9\"/>te \u00e4r h\u00e4nf\u00f6rlig till marknadsf<span class=\"__10 _d_9\"/>\u00f6rh\u00e5llanden.<span class=\"__10 _469\"> </span> Den metod som anv<span class=\"__10 _471\"/>\u00e4nds f\u00f6r a<span class=\"__10 _d_9\"/>tt fastst\u00e4lla den beloppsm\u00e4s-<span class=\"__10 _469\"> </span>siga f\u00f6r<span class=\"__10 _471\"/>\u00e4ndringen i marknadsf\u00f6rh\u00e5llanden \u00e4r bas<span class=\"__10 _471\"/>erad p\u00e5 rele-<span class=\"__10 _469\"> </span>van<span class=\"__10 _471\"/>ta j\u00e4mf<span class=\"__10 _d_9\"/>\u00f6relser\u00e4ntor<span class=\"__10 _479\"/>, vilket \u00e4r den genomsnittliga avkas<span class=\"__10 _471\"/>t-<span class=\"__10 _469\"> </span>ningen p\u00e5 danska och tyska (euro<span class=\"__10 _d_9\"/>) statsobligationer<span class=\"__10 _479\"/>. Denna<span class=\"__10 _469\"> </span> modell bed\u00f6ms generera den b\u00e4s<span class=\"__10 _471\"/>ta uppskattningen a<span class=\"__10 _d_9\"/>v den<span class=\"__10 _469\"> </span> egna kreditriskens p\u00e5<span class=\"__10 _d_9\"/>verkan. F\u00f6r\u00e4ndringen i egen kr<span class=\"__10 _d_9\"/>editrisk<span class=\"__10 _469\"> </span>K3.3  Klassi\ufb01cering och v\u00e4rdering, forts.<span class=\"__10 _469\"> </span>p\u00e5 emitterade hypo<span class=\"__10 _d_9\"/>teksobligationer i Nordea Kredit Realkr<span class=\"__10 _d_9\"/>e-<span class=\"__10 _469\"> </span>ditakties<span class=\"__10 _471\"/>elskab redovisas in<span class=\"__10 _d_9\"/>te i \u00f6vrigt totalresul<span class=\"__10 _d_9\"/>tat (OCI) efter-<span class=\"__10 _469\"> </span>som det redovisningsm\u00e4ssigt sk<span class=\"__10 _471\"/>ulle avvik<span class=\"__10 _471\"/>a fr\u00e5n den mo<span class=\"__10 _d_9\"/>tsva-<span class=\"__10 _469\"> </span>rande f<span class=\"__10 _471\"/>\u00f6r\u00e4ndringen i verkligt v<span class=\"__10 _d_9\"/>\u00e4rde p\u00e5 hypoteksl\u00e5nen som<span class=\"__10 _469\"> </span> redovisas i re<span class=\"__10 _471\"/>sultatr<span class=\"__10 _d_9\"/>\u00e4kningen.<span class=\"__10 _469\"> </span> Nordea till\u00e4mpar ocks\u00e5 verkligt v<span class=\"__10 _471\"/>\u00e4rde-optionen p\u00e5 struk<span class=\"__10 _d_9\"/>tu-<span class=\"__10 _469\"> </span>rerade obliga<span class=\"__10 _471\"/>tioner emitterade a<span class=\"__10 _d_9\"/>v Markets, till ett v\u00e4rde a<span class=\"__10 _d_9\"/>v<span class=\"__10 _469\"> </span> 1 371 mn euro (1 568 mn euro<span class=\"__10 _471\"/>), eftersom dessa hybridinstru-<span class=\"__10 _469\"> </span>ment, s\u00e5som index<span class=\"__10 _d_9\"/>obligationer<span class=\"__10 _d_9\"/>, inneh\u00e5ller inb\u00e4ddade derivat<span class=\"__10 _469\"> </span> som inte \u00e4r n\u00e4r<span class=\"__10 _d_9\"/>a f\u00f6rknippade med v\u00e4rda<span class=\"__10 _d_9\"/>vtalet<span class=\"__10 _c_9\"/>. V<span class=\"__10 _d_9\"/>\u00e4rdavtalet<span class=\"__10 _469\"> </span> och det inb\u00e4ddade derivat<span class=\"__10 _471\"/>et v\u00e4rder<span class=\"__10 _471\"/>as till verkligt v\u00e4r<span class=\"__10 _471\"/>de via<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen och redovisas under \u201dEmitterade v<span class=\"__10 _471\"/>\u00e4rde-<span class=\"__10 _469\"> </span>papper<span class=\"__10 _c_9\"/>\u201d i balansr\u00e4kningen.  F\u00f6r<span class=\"__10 _471\"/>\u00e4ndringen i verkligt v\u00e4r<span class=\"__10 _471\"/>de p\u00e5<span class=\"__10 _469\"> </span> dessa emitterade s<span class=\"__10 _471\"/>truktur<span class=\"__10 _471\"/>erade obligationer r<span class=\"__10 _471\"/>edovisas i resul<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>tatr\u00e4kningen under \u201dNett<span class=\"__10 _471\"/>oresulta<span class=\"__10 _d_9\"/>t av poster till verkligt<span class=\"__10 _469\"> </span> v\u00e4rde\u201d<span class=\"__10 _479\"/>, med undantag f<span class=\"__10 _d_9\"/>\u00f6r f\u00f6r\u00e4ndringar i den egna kreditris-<span class=\"__10 _469\"> </span>ken som redo<span class=\"__10 _471\"/>visas i \u00f6vrigt tot<span class=\"__10 _471\"/>alresulta<span class=\"__10 _d_9\"/>t<span class=\"__10 _c_9\"/>. Nordea ber\u00e4knar f<span class=\"__10 _471\"/>\u00f6r-<span class=\"__10 _469\"> </span>\u00e4ndringen i den egna kreditrisken som f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringen i den<span class=\"__10 _469\"> </span> samlade riskpremien p\u00e5 egen uppl\u00e5ning, under ant<span class=\"__10 _471\"/>agandet<span class=\"__10 _469\"> </span> att likviditetspremien f<span class=\"__10 _d_9\"/>\u00f6r alla emissioner \u00e4r konstant \u00f6<span class=\"__10 _d_9\"/>ver tid.<span class=\"__10 _469\"> </span> F\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndring i riskpremien uppskattas genom att j\u00e4mf<span class=\"__10 _d_9\"/>\u00f6ra v\u00e4r-<span class=\"__10 _469\"> </span><span class=\"__10 _469\">det p\u00e5 aff\u00e4r</span><span class=\"__10 _d_9\"/>erna med hj\u00e4lp av den ursprungliga riskpremien<span class=\"__10 _469\"> </span> f\u00f6r uppl\u00e5ning vid emissions<span class=\"__10 _471\"/>tidpunkten och den v<span class=\"__10 _d_9\"/>erkliga risk-<span class=\"__10 _469\"> </span>premien f<span class=\"__10 _471\"/>\u00f6r uppl\u00e5ning vid rapporteringstidpunk<span class=\"__10 _d_9\"/>ten. Denna<span class=\"__10 _469\"> </span> modell bed\u00f6ms generera den b\u00e4s<span class=\"__10 _471\"/>ta uppskattningen a<span class=\"__10 _d_9\"/>v den<span class=\"__10 _469\"> </span> egna kreditriskens p\u00e5<span class=\"__10 _d_9\"/>verkan.<span class=\"__10 _469\"> </span>\u00c4<span class=\"__10 _d_9\"/>ven inl\u00e5ningen i placeringsportf\u00f6ljer och f<span class=\"__10 _471\"/>ondf\u00f6rs\u00e4krings-<span class=\"__10 _469\"> </span>avtal till ett v<span class=\"__10 _d_9\"/>\u00e4rde av 42 776 mn euro (<span class=\"__10 _471\"/>48 201 mn euro), var<span class=\"__10 _d_9\"/>av<span class=\"__10 _469\"> </span> 38 606 mn euro (<span class=\"__10 _d_9\"/>4<span class=\"__10 _c_9\"/>3 344 mn euro) a<span class=\"__10 _d_9\"/>vser Life &amp; Pension, v<span class=\"__10 _d_9\"/>\u00e4rde-<span class=\"__10 _469\"> </span>ras redan f<span class=\"__10 _471\"/>r\u00e5n b\u00f6rjan till verkligt v<span class=\"__10 _471\"/>\u00e4rde via resul<span class=\"__10 _471\"/>tatr\u00e4kningen<span class=\"__10 _469\"> </span> eftersom inl\u00e5ningen f\u00f6rval<span class=\"__10 _471\"/>tas till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de. V\u00e4rdet p\u00e5<span class=\"__10 _469\"> </span> denna inl\u00e5ning \u00e4r direkt k<span class=\"__10 _d_9\"/>opplad till det verkliga v\u00e4rdet p\u00e5<span class=\"__10 _469\"> </span> underliggande tillg\u00e5ngar<span class=\"__10 _d_9\"/>, och f\u00f6r\u00e4ndringar i den egna kr<span class=\"__10 _471\"/>edit-<span class=\"__10 _469\"> </span>risken medf<span class=\"__10 _471\"/>\u00f6r d\u00e4rmed inte n\u00e5gon nett<span class=\"__10 _471\"/><span class=\"__10 _469\">oeffek</span><span class=\"__10 _d_9\"/>t<span class=\"__10 _c_9\"/>.<span class=\"__10 _469\"> </span>126<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>K3.4 <span class=\"__10 _a_9\"> </span>V<span class=\"__10 _479\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span>Redovisningsprinciper<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde de\ufb01nieras som det pris som vid v<span class=\"__10 _471\"/>\u00e4rderingstid-<span class=\"__10 _469\"> </span>punkten sk<span class=\"__10 _d_9\"/>ulle erh\u00e5llas vid f\u00f6rs\u00e4ljning av en tillg\u00e5ng eller betalas vid \u00f6verl\u00e5<span class=\"__10 _d_9\"/>telse av en skuld i en ordnad tr<span class=\"__10 _d_9\"/>ansaktion mellan marknadsakt\u00f6r<span class=\"__10 _d_9\"/>er. Vid v<span class=\"__10 _d_9\"/>\u00e4rderingen till verkligt v\u00e4rde antas a<span class=\"__10 _471\"/>tt transak<span class=\"__10 _471\"/>tionen sker under ak<span class=\"__10 _471\"/>tuella marknadsf\u00f6rh\u00e5l<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>landen p\u00e5 tillg\u00e5ngens eller skuldens huvudmarknad, eller<span class=\"__10 _479\"/>, om en huvudmarknad saknas, p\u00e5 tillg\u00e5ngens eller skuldens mest f\u00f6r<span class=\"__10 _471\"/>delaktiga marknad.<span class=\"__10 _469\"> </span>Det b\u00e4sta beviset p\u00e5 v<span class=\"__10 _471\"/>erkligt v\u00e4rde \u00e4r f<span class=\"__10 _d_9\"/>\u00f6rekomsten a<span class=\"__10 _d_9\"/>v publicerade prisno<span class=\"__10 _471\"/>teringar p\u00e5 en aktiv marknad och n\u00e4r s\u00e5dana f\u00f6r<span class=\"__10 _471\"/>ekommer anv<span class=\"__10 _471\"/>\u00e4nds de vid v\u00e4rderingen a<span class=\"__10 _d_9\"/>v \ufb01nansiel-<span class=\"__10 _469\"> </span>la tillg\u00e5ngar och \ufb01nansiella skulder<span class=\"__10 _d_9\"/>. En aktiv marknad \u00e4r en marknad d\u00e4r transak<span class=\"__10 _471\"/>tioner med tillg\u00e5ngen eller skulden intr<span class=\"__10 _471\"/><span class=\"__10 _469\">\u00e4ffar tillr</span><span class=\"__10 _d_9\"/>\u00e4ckligt ofta och med tillr\u00e4cklig volym f<span class=\"__10 _d_9\"/>\u00f6r att ge l\u00f6pande prisinf<span class=\"__10 _d_9\"/>ormation. Den absoluta likviditets- och vol<span class=\"__10 _471\"/>ym-<span class=\"__10 _469\"> </span>niv\u00e5n som kr\u00e4<span class=\"__10 _d_9\"/>vs f\u00f6r att marknaden ska anse<span class=\"__10 _471\"/>s vara ak<span class=\"__10 _d_9\"/>tiv varie-<span class=\"__10 _469\"> </span>rar beroende p\u00e5 ins<span class=\"__10 _471\"/>trumentklass. F<span class=\"__10 _d_9\"/>\u00f6r vissa klasser f\u00f6religger l\u00e5g prisvolatilitet, \u00e4<span class=\"__10 _471\"/>ven f<span class=\"__10 _d_9\"/>\u00f6r instrument inom klasser d\u00e4r han-<span class=\"__10 _469\"> </span>delsfrekvens<span class=\"__10 _471\"/>en \u00e4r h\u00f6g. F\u00f6r ins<span class=\"__10 _d_9\"/>trument i s\u00e5dana klasser \u00e4r lik-<span class=\"__10 _469\"> </span>viditetskra<span class=\"__10 _d_9\"/>ven l\u00e4gre och d\u00e4rmed \u00e4r \u00e5ldersgr\u00e4nsen f<span class=\"__10 _471\"/>\u00f6r priserna som anv\u00e4nds f<span class=\"__10 _d_9\"/>\u00f6r att fasts<span class=\"__10 _d_9\"/>t\u00e4lla verkligt v\u00e4rde h\u00f6gre.<span class=\"__10 _469\"> </span>Handelsfrekvens<span class=\"__10 _471\"/>en och volymen \u00f6<span class=\"__10 _d_9\"/>ver<span class=\"__10 _c_9\"/>vakas regelbundet f\u00f6r a<span class=\"__10 _471\"/>tt bed\u00f6ma om marknaderna \u00e4r aktiv<span class=\"__10 _471\"/>a eller int<span class=\"__10 _471\"/>e. Om note-<span class=\"__10 _469\"> </span>rade priser f<span class=\"__10 _d_9\"/>\u00f6r ett \ufb01nansiellt instrument int<span class=\"__10 _d_9\"/>e representer<span class=\"__10 _d_9\"/>ar fak<span class=\"__10 _d_9\"/>tiska och regelbundet f\u00f6rekommande marknads<span class=\"__10 _d_9\"/>transak-<span class=\"__10 _469\"> </span>tioner<span class=\"__10 _d_9\"/>, eller om noterade priser in<span class=\"__10 _d_9\"/>te \ufb01nns tillg\u00e4ngliga, fast-<span class=\"__10 _469\"> </span>st\u00e4lls det verkliga v<span class=\"__10 _d_9\"/>\u00e4rdet med hj\u00e4lp av l\u00e4mplig v\u00e4rderingsme-<span class=\"__10 _469\"> </span>tod. V<span class=\"__10 _d_9\"/>\u00e4rderingsmetodens l\u00e4mplighet, inklusive en bed\u00f6mning av om no<span class=\"__10 _d_9\"/>terade priser eller teoretiska priser ska an<span class=\"__10 _471\"/>v\u00e4ndas, \u00f6vervakas r<span class=\"__10 _471\"/>egelbundet.<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>\u00e4rderingsmetoderna kan variera f<span class=\"__10 _471\"/>r\u00e5n enkel anal<span class=\"__10 _d_9\"/>ys av  <span class=\"__10 _2f_4\"/>diskon<span class=\"__10 _d_9\"/>terade kassafl\u00f6den till komple<span class=\"__10 _471\"/>xa optionsv\u00e4r<span class=\"__10 _d_9\"/>derings-<span class=\"__10 _469\"> </span>modeller<span class=\"__10 _d_9\"/>. V<span class=\"__10 _471\"/>\u00e4rderingsmodellerna har utf<span class=\"__10 _471\"/>ormats s\u00e5 att obser-<span class=\"__10 _469\"> </span>verbara marknadspriser och k<span class=\"__10 _d_9\"/>ur<span class=\"__10 _c_9\"/>ser anv\u00e4nds s<span class=\"__10 _471\"/>om indata i f\u00f6r<span class=\"__10 _471\"/>ekommande fall, men \u00e4<span class=\"__10 _d_9\"/>ven icke observerbara modell <span class=\"__10 _558\"/>-<span class=\"__10 _469\"> </span>parametrar kan an<span class=\"__10 _d_9\"/>v\u00e4ndas. V\u00e4r<span class=\"__10 _d_9\"/>deringsmodellens l\u00e4mplighet bed\u00f6ms genom att m\u00e4ta dess f<span class=\"__10 _d_9\"/>\u00f6rm\u00e5ga att matcha marknads-<span class=\"__10 _469\"> </span>priser<span class=\"__10 _d_9\"/>. Detta g\u00f6rs genom att j\u00e4mf<span class=\"__10 _d_9\"/>\u00f6ra ber\u00e4knade priser med relevan<span class=\"__10 _d_9\"/>t j\u00e4mf\u00f6rels<span class=\"__10 _471\"/>edata, t.ex. b\u00f6rsk<span class=\"__10 _471\"/>urser<span class=\"__10 _d_9\"/>, motpartens v\u00e4rde-<span class=\"__10 _469\"> </span>ringar eller konsensuspriser<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>F\u00f6r \ufb01nansiella ins<span class=\"__10 _471\"/>trument d\u00e4r v<span class=\"__10 _471\"/>erkligt v\u00e4rde uppska<span class=\"__10 _d_9\"/>ttas med hj\u00e4lp av en v<span class=\"__10 _d_9\"/>\u00e4rderingsmetod unders\u00f6ks om de variabler som anv\u00e4n<span class=\"__10 _d_9\"/>ts i v\u00e4rderingsmodellen till \u00f6verv\u00e4gande del base-<span class=\"__10 _469\"> </span>rats p\u00e5 da<span class=\"__10 _471\"/>ta fr\u00e5n obs<span class=\"__10 _471\"/>erverbara marknader<span class=\"__10 _d_9\"/>. Med data fr<span class=\"__10 _d_9\"/>\u00e5n observerbara marknader a<span class=\"__10 _d_9\"/>vser Nordea data som kan inh\u00e4m-<span class=\"__10 _469\"> </span>tas fr\u00e5n allm\u00e4n<span class=\"__10 _d_9\"/>t tillg\u00e4ngliga externa k\u00e4llor och som bed\u00f6ms utg\u00f6ra realis<span class=\"__10 _d_9\"/>tiska marknadspriser<span class=\"__10 _471\"/>. Vid anv\u00e4ndning a<span class=\"__10 _d_9\"/>v icke observerbara data, s<span class=\"__10 _471\"/>om har en betydande inv<span class=\"__10 _471\"/>erkan p\u00e5 v\u00e4rde-<span class=\"__10 _469\"> </span>ringen, kan instrumen<span class=\"__10 _471\"/>tet vid f<span class=\"__10 _471\"/>\u00f6rsta redovisnings<span class=\"__10 _d_9\"/>tillf\u00e4llet inte redovisas till det verkliga v<span class=\"__10 _d_9\"/>\u00e4rde som ber\u00e4knats via v\u00e4r<span class=\"__10 _471\"/>de-<span class=\"__10 _469\"> </span>ringsmetoden, och even<span class=\"__10 _d_9\"/>tuella initiala vinster periodiseras d\u00e4r-<span class=\"__10 _469\"> </span>f\u00f6r i r<span class=\"__10 _471\"/>esultatr<span class=\"__10 _d_9\"/>\u00e4kningen \u00f6ver instrument<span class=\"__10 _471\"/>ets l\u00f6ptid. De initiala vinsterna redo<span class=\"__10 _d_9\"/>visas d\u00e4refter direkt i re<span class=\"__10 _471\"/>sultatr<span class=\"__10 _d_9\"/>\u00e4kningen i det fall icke obs<span class=\"__10 _471\"/>erverbara data blir observerbar<span class=\"__10 _d_9\"/>a.<span class=\"__10 _469\"> </span>Tillg\u00e5ngar och skulder v\u00e4r<span class=\"__10 _471\"/>deras till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde utifr\u00e5n de tre niv\u00e5erna i IFRS-hier<span class=\"__10 _471\"/>arkin f\u00f6r v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde. Hierarkin ger h\u00f6gst prioritet till not<span class=\"__10 _d_9\"/>erade priser (ojuster<span class=\"__10 _471\"/>ade) p\u00e5 ak<span class=\"__10 _471\"/>tiva marknader f\u00f6r iden<span class=\"__10 _d_9\"/>tiska tillg\u00e5ngar och skulder (niv\u00e5 1) och l\u00e4gst prioritet till ej observerbar indat<span class=\"__10 _471\"/>a (niv\u00e5 3). Klassi\ufb01ce-<span class=\"__10 _469\"> </span>ringen av dessa ins<span class=\"__10 _d_9\"/>trument baseras p\u00e5 den l\u00e4gsta niv<span class=\"__10 _d_9\"/>\u00e5 indata som \u00e4r v\u00e4sen<span class=\"__10 _d_9\"/>tlig f\u00f6r verkligt v\u00e4rde-v<span class=\"__10 _d_9\"/>\u00e4rderingen i sin helhet<span class=\"__10 _c_9\"/>.<span class=\"__10 _469\"> </span>Niv\u00e5 1 i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4rde utg\u00f6rs a<span class=\"__10 _d_9\"/>v tillg\u00e5ngar och skulder som v\u00e4r<span class=\"__10 _d_9\"/>derats med hj\u00e4lp av ojus<span class=\"__10 _471\"/>terade no<span class=\"__10 _471\"/>terade pri-<span class=\"__10 _469\"> </span>ser p\u00e5 aktiv<span class=\"__10 _d_9\"/>a marknader f\u00f6r identiska tillg\u00e5ngar och skulder<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>En aktiv marknad \u00e4r en marknad d\u00e4r tr<span class=\"__10 _471\"/>ansaktioner med till<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>g\u00e5ngen eller skulden in<span class=\"__10 _471\"/><span class=\"__10 _469\">tr\u00e4ff</span><span class=\"__10 _d_9\"/>ar tillr\u00e4ckligt ofta och med till-<span class=\"__10 _469\"> </span>r\u00e4cklig vol<span class=\"__10 _d_9\"/>ym f\u00f6r att ge l\u00f6pande prisinf<span class=\"__10 _d_9\"/>ormation. Niv\u00e5 2 i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4rde utg\u00f6rs a<span class=\"__10 _d_9\"/>v tillg\u00e5ngar och skulder som in<span class=\"__10 _471\"/>te har noter<span class=\"__10 _d_9\"/>ade marknadspriser direkt tillg\u00e4ng-<span class=\"__10 _469\"> </span>liga fr\u00e5n ak<span class=\"__10 _d_9\"/>tiva marknader<span class=\"__10 _d_9\"/>. Verkligt v<span class=\"__10 _471\"/>\u00e4rde baseras p\u00e5 no<span class=\"__10 _d_9\"/>te-<span class=\"__10 _469\"> </span>rade priser f<span class=\"__10 _d_9\"/>\u00f6r liknande tillg\u00e5ngar eller skulder p\u00e5 aktiva marknader<span class=\"__10 _d_9\"/>, eller noterade priser p\u00e5 iden<span class=\"__10 _d_9\"/>tiska eller liknande tillg\u00e5ngar eller skulder p\u00e5 marknader som in<span class=\"__10 _d_9\"/>te \u00e4r aktiva. V<span class=\"__10 _d_9\"/>erk-<span class=\"__10 _469\"> </span>ligt v\u00e4rde kan ocks\u00e5 ber<span class=\"__10 _d_9\"/>\u00e4knas med hj\u00e4lp av v\u00e4rderingsmeto-<span class=\"__10 _469\"> </span>der eller v\u00e4rderingsmodeller som bas<span class=\"__10 _471\"/>eras p\u00e5 marknadspriser eller indata p\u00e5 balansdagen, om ev<span class=\"__10 _d_9\"/>entuella ej observerbara indata har haft en obety<span class=\"__10 _471\"/>dlig inverkan p\u00e5 de v<span class=\"__10 _d_9\"/>erkliga v\u00e4rdena.<span class=\"__10 _469\"> </span>Niv\u00e5 3 i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4rde utg\u00f6rs a<span class=\"__10 _d_9\"/>v de tillg\u00e5ngar och skulder f<span class=\"__10 _471\"/>\u00f6r vilka verkliga v\u00e4r<span class=\"__10 _d_9\"/>den inte kan erh\u00e5llas direk<span class=\"__10 _471\"/>t fr\u00e5n no<span class=\"__10 _471\"/>terade marknadspriser eller indir<span class=\"__10 _d_9\"/>ekt via v\u00e4rderingsme-<span class=\"__10 _469\"> </span>toder eller v\u00e4rderingsmodell<span class=\"__10 _471\"/>er som bygger p\u00e5 observerbar<span class=\"__10 _d_9\"/>a marknadspriser eller indata.<span class=\"__10 _469\"> </span>Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__10 _d_9\"/>ttningar Kritiska bed\u00f6mningar med betydande inv<span class=\"__10 _471\"/>erkan p\u00e5 redovisade belopp f\u00f6r \ufb01nansiella ins<span class=\"__10 _471\"/>trument g\u00f6rs i samband med f<span class=\"__10 _471\"/>ast-<span class=\"__10 _469\"> </span>st\u00e4llande a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde p\u00e5 O<span class=\"__10 _d_9\"/>TC<span class=\"__10 _479\"/>-<span class=\"__10 _c_9\"/>derivat och andr<span class=\"__10 _471\"/>a \ufb01nan-<span class=\"__10 _469\"> </span>siella instrument s<span class=\"__10 _471\"/>om saknar noter<span class=\"__10 _471\"/>ade kurser eller nyligen observerade marknadskurser<span class=\"__10 _479\"/>, s\u00e5som onoterade ak<span class=\"__10 _471\"/>tier<span class=\"__10 _d_9\"/>. Bed\u00f6mningarna omf<span class=\"__10 _d_9\"/>attar f\u00f6ljande:<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">V<span class=\"__10 _d_9\"/>al av v\u00e4r<span class=\"__10 _d_9\"/>deringsmetoder<span class=\"__10 _471\"/>.<span class=\"__10 _469\"> </span></span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Bed\u00f6mning av n\u00e4r no<span class=\"__10 _d_9\"/>terade kurser inte mo<span class=\"__10 _471\"/>tsvarar v<span class=\"__10 _d_9\"/>erkligt </span>v\u00e4rde (bland anna<span class=\"__10 _471\"/>t bed\u00f6mning av om marknaden \u00e4r ak<span class=\"__10 _d_9\"/>tiv).<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Ber\u00e4kning a<span class=\"__10 _d_9\"/>v justeringar till verkligt v\u00e4rde f<span class=\"__10 _d_9\"/>\u00f6r att beakta rel<span class=\"__10 _d_9\"/><span class=\"ws0_10\">-<span class=\"__10 _469\"> </span></span></span>evan<span class=\"__10 _d_9\"/>ta riskfaktor<span class=\"__10 _471\"/>er s\u00e5som kreditrisk, modellrisk och likviditetsrisk.<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Bed\u00f6mning av vilka marknadspar<span class=\"__10 _d_9\"/>ametrar som kan </span>observeras.<span class=\"__10 _469\"> </span>De kritiska bed\u00f6mningarna som kr\u00e4<span class=\"__10 _d_9\"/>vs vid fastst\u00e4llandet a<span class=\"__10 _d_9\"/>v verkligt v\u00e4r<span class=\"__10 _471\"/>de p\u00e5 \ufb01nansiella instrument s<span class=\"__10 _471\"/>om saknar noter<span class=\"__10 _471\"/>ade kurser eller nyligen observer<span class=\"__10 _471\"/>ade marknadskurser medf\u00f6r ocks\u00e5 en h\u00f6g grad a<span class=\"__10 _d_9\"/>v os\u00e4kerhet i uppskattningarna.<span class=\"__10 _469\"> </span>I samtliga f<span class=\"__10 _d_9\"/>all baseras besluten p\u00e5 en prof<span class=\"__10 _d_9\"/>essionell bed\u00f6m-<span class=\"__10 _469\"> </span>ning i enlighet med Nordeas redovisnings- och v<span class=\"__10 _d_9\"/>\u00e4rderings-<span class=\"__10 _469\"> </span>principer<span class=\"__10 _d_9\"/>. Det verkliga v\u00e4rdet p\u00e5 \ufb01nansiella tillg\u00e5ngar och skulder v\u00e4r<span class=\"__10 _471\"/>derade med hj\u00e4lp a<span class=\"__10 _d_9\"/>v en v\u00e4rderingsmetod, niv\u00e5 2 och 3 i v\u00e4rderingshier<span class=\"__10 _471\"/><span class=\"__10 _469\">arkin, uppgick till 158 546 mn euro </span>(157 336 mn euro<span class=\"__10 _471\"/>) respek<span class=\"__10 _471\"/><span class=\"__10 _469\">tive 118 626 mn euro (112 568 mn </span>euro) vid \u00e5r<span class=\"__10 _471\"/>ets slut. V\u00e4r<span class=\"__10 _d_9\"/>deringsjusteringar (CV<span class=\"__10 _d_9\"/>A, DV<span class=\"__10 _479\"/>A<span class=\"__10 _c_9\"/>, FFV<span class=\"__10 _d_9\"/>A, NFV<span class=\"__10 _479\"/>A<span class=\"__10 _c_9\"/>, k\u00f6p/s\u00e4lj-jus<span class=\"__10 _471\"/>teringar<span class=\"__10 _d_9\"/>, modellriskjusteringar och just<span class=\"__10 _471\"/>e-<span class=\"__10 _469\"> </span>ringar f\u00f6r v<span class=\"__10 _471\"/>ariationer i oberoende prisk<span class=\"__10 _471\"/>ontroller) s<span class=\"__10 _471\"/>om g\u00f6rs f\u00f6r att f<span class=\"__10 _471\"/>astst\u00e4lla v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde p\u00e5 \ufb01nansiella instrument (inklu-<span class=\"__10 _469\"> </span>sive de som v\u00e4r<span class=\"__10 _d_9\"/>deras till verkligt v\u00e4rde via \u00f6vrigt t<span class=\"__10 _471\"/>otalresul<span class=\"__10 _d_9\"/>tat) p\u00e5v<span class=\"__10 _d_9\"/><span class=\"__10 _469\">erkade eget kapital negativt med -47 mn euro (-121 mn </span>euro). Upplysningar om k\u00e4nslighetsanal<span class=\"__10 _471\"/>ysen f\u00f6r v<span class=\"__10 _d_9\"/>erkliga v\u00e4rden p\u00e5 \ufb01nansiella instrument med bety<span class=\"__10 _d_9\"/>dande icke-obser<span class=\"__10 _c_9\"/>verbara indata \ufb01nns i tabellen \u201dV<span class=\"__10 _d_9\"/>\u00e4rderingsmetoder och indat<span class=\"__10 _471\"/>a som anv\u00e4nds vid v<span class=\"__10 _471\"/>\u00e4rderingen till verkligt v<span class=\"__10 _471\"/>\u00e4rde i niv\u00e5 3\u201d i den h\u00e4r noten.<span class=\"__10 _469\"> </span>Os\u00e4kerhet i uppskattningar upps<span class=\"__10 _471\"/>t\u00e5r \u00e4<span class=\"__10 _471\"/>ven vid f<span class=\"__10 _471\"/>\u00f6rsta redo-<span class=\"__10 _469\"> </span>visningstillf<span class=\"__10 _471\"/>\u00e4llet f\u00f6r \ufb01nansiella ins<span class=\"__10 _d_9\"/>trument som utg\u00f6r en del av st\u00f6rre s<span class=\"__10 _d_9\"/>trukturella transak<span class=\"__10 _d_9\"/>tioner. <span class=\"__10 _d_9\"/>\u00c4v<span class=\"__10 _d_9\"/>en om den efterf\u00f6ljande v\u00e4rderingen in<span class=\"__10 _d_9\"/>te \u00e4r till verkligt v\u00e4rde redo<span class=\"__10 _471\"/>visas dessa instru-<span class=\"__10 _469\"> </span><span class=\"__10 _469\">ment vid anskaff</span><span class=\"__10 _d_9\"/>ningstillf\u00e4llet till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de och d\u00e5 det normalt int<span class=\"__10 _471\"/>e \ufb01nns n\u00e5got separ<span class=\"__10 _471\"/>at transak<span class=\"__10 _d_9\"/>tionspris eller n\u00e5gon aktiv marknad f<span class=\"__10 _d_9\"/>\u00f6r dylika individuella instrument m\u00e5ste det verkliga v\u00e4r<span class=\"__10 _471\"/>det estimeras<span class=\"__10 _469\"> </span>.<span class=\"__10 _469\"> </span>127<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde p\u00e5 \ufb01nansiella tillg\u00e5ngar och skulder<span class=\"__10 _469\"> </span>31 dec 2022<span class=\"__10 _559\"> </span>31 dec 2021<span class=\"__10 _469\"> </span>Mn euro<span class=\"__10 _469\"> </span>Redovisat v\u00e4rde<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span>Redovisat v\u00e4rde<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar<span class=\"__10 _469\"> </span>Kassa och tillgodohav<span class=\"__10 _471\"/>anden hos centr<span class=\"__10 _471\"/>albanker<span class=\"__10 _8a_2\"> </span>61 815<span class=\"__10 _1f_6\"> </span>61 815<span class=\"__10 _2a_4\"> </span>47 495<span class=\"__10 _4a_2\"> </span>47 495<span class=\"__10 _469\"> </span>Utl\u00e5ning<span class=\"__10 _4c_2\"> </span>349 085<span class=\"__10 _6f_2\"> </span>350 232<span class=\"__10 _531\"> </span>347 377<span class=\"__10 _6c_2\"> </span>349 382<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/>ande v\u00e4rdepapper<span class=\"__10 _3a_5\"> </span>63 524<span class=\"__10 _5c_2\"> </span>63 312<span class=\"__10 _2a_4\"> </span>63 383<span class=\"__10 _4a_2\"> </span>63 495<span class=\"__10 _469\"> </span>Pan<span class=\"__10 _471\"/>tsatta \ufb01nansiella instrument<span class=\"__10 _8b_2\"> </span>4 902<span class=\"__10 _515\"> </span>4 902<span class=\"__10 _483\"> </span>1 668<span class=\"__10 _487\"> </span>1 668<span class=\"__10 _469\"> </span>Aktier och andelar<span class=\"__10 _8c_2\"> </span>17 924<span class=\"__10 _5c_2\"> </span>17 924<span class=\"__10 _538\"> </span>15 217<span class=\"__10 _538\"> </span>15 217<span class=\"__10 _469\"> </span>Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s\u00e4kringsavtal<span class=\"__10 _520\"> </span><span class=\"ls0_10 ws0_10\">40 955<span class=\"__10 _4a_2\"> </span>40 955<span class=\"__10 _491\"> </span>46 310<span class=\"__10 _2a_4\"> </span>46 310<span class=\"__10 _469\"> </span></span>Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _8c_2\"> </span>36 578<span class=\"__10 _2a_4\"> </span>36 578<span class=\"__10 _4a_2\"> </span>30 200<span class=\"__10 _4a_2\"> </span>30 200<span class=\"__10 _469\"> </span>\u00d6vriga tillg\u00e5ngar<span class=\"__10 _519\"> </span>8 621<span class=\"__10 _483\"> </span>8 621<span class=\"__10 _514\"> </span>8 094<span class=\"__10 _5a_2\"> </span>8 094<span class=\"__10 _469\"> </span>F\u00f6rutbetalda k<span class=\"__10 _471\"/>ostnader och upplupna int\u00e4k<span class=\"__10 _d_9\"/>ter<span class=\"__10 _3e_4\"> </span><span class=\"ls0_10\">475<span class=\"__10 _498\"> </span>475<span class=\"__10 _545\"> </span> 609<span class=\"__10 _545\"> </span> 609<span class=\"__10 _469\"> </span></span>Summa<span class=\"__10 _8d_2\"> </span>583 879<span class=\"__10 _522\"> </span>584 814<span class=\"__10 _522\"> </span>560 353<span class=\"__10 _522\"> </span>562 470<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde p\u00e5 \ufb01nansiella tillg\u00e5ngar och skulder<span class=\"__10 _479\"/>, forts.<span class=\"__10 _469\"> </span>31 dec 2022<span class=\"__10 _559\"> </span>31 dec 2021<span class=\"__10 _469\"> </span>Mn euro<span class=\"__10 _469\"> </span>Redovisat v\u00e4rde<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span>Redovisat v\u00e4rde<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span>Finansiella skulder<span class=\"__10 _469\"> </span>Inl\u00e5ning och skuldinstrumen<span class=\"__10 _471\"/>t<span class=\"__10 _555\"> </span>433 362<span class=\"__10 _6f_2\"> </span>4<span class=\"__10 _c_9\"/>33 372<span class=\"__10 _6f_2\"> </span>416 078<span class=\"__10 _531\"> </span>416 770<span class=\"__10 _469\"> </span>Inl\u00e5ning i placeringsportf\u00f6ljer och fondf<span class=\"__10 _d_9\"/>\u00f6r-<span class=\"__10 _469\"> </span>s\u00e4kringsavtal<span class=\"__10 _550\"> </span><span class=\"ls4_9 ws7_9\">42 7<span class=\"__10 _c_9\"/>76<span class=\"__10 _491\"> </span>4<span class=\"__10 _c_9\"/>2 776<span class=\"__10 _491\"> </span></span>48 201<span class=\"__10 _491\"> </span>48 201<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _536\"> </span>40 102<span class=\"__10 _2a_4\"> </span>40 102<span class=\"__10 _491\"> </span>31 485<span class=\"__10 _491\"> </span>31 4<span class=\"__10 _c_9\"/>85<span class=\"__10 _469\"> </span><span class=\"__10 _469\">\u00d6vriga skulder1 </span><span class=\"__10 _519\"> </span>14 347<span class=\"__10 _5c_2\"> </span>14 347<span class=\"__10 _5c_2\"> </span>15 033<span class=\"__10 _491\"> </span>15 033<span class=\"__10 _469\"> </span>Upplupna kostnader och f\u00f6rutbetalda int\u00e4k<span class=\"__10 _d_9\"/>ter<span class=\"__10 _8e_2\"> </span>7<span class=\"__10 _5e_2\"> </span>7<span class=\"__10 _3f_4\"> </span> 8<span class=\"__10 _3f_4\"> </span> 8<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _8d_2\"> </span>530 594<span class=\"__10 _476\"> </span>530 604<span class=\"__10 _6c_2\"> </span>510 805<span class=\"__10 _531\"> </span>511 497<span class=\"__10 _469\"> </span>1)  Leasingskulder presen<span class=\"__10 _471\"/>terade p\u00e5 raden \u201d\u00d6vriga skul<span class=\"__10 _471\"/>der<span class=\"__10 _c_9\"/>\u201d i not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d \u00e4r exkl<span class=\"__10 _471\"/>uderade i denna tabell.<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde f<span class=\"__10 _471\"/>\u00f6r poster som redo<span class=\"__10 _d_9\"/>visats till verkligt v\u00e4r<span class=\"__10 _471\"/>de i balansr\u00e4kningen<span class=\"__10 _469\"> </span>F<span class=\"__10 _d_9\"/>astst\u00e4llande a<span class=\"__10 _471\"/>v verkligt v\u00e4r<span class=\"__10 _d_9\"/>de<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>\u00e4rderingsmodellerna som Nordea anv\u00e4nder \u00f6<span class=\"__10 _471\"/>verenss<span class=\"__10 _471\"/>t\u00e4m-<span class=\"__10 _469\"> </span>mer med accept<span class=\"__10 _471\"/>erade ekonomiska met<span class=\"__10 _471\"/>oder f\u00f6r priss\u00e4<span class=\"__10 _471\"/>ttning av \ufb01nansiella ins<span class=\"__10 _d_9\"/>trument och tar h\u00e4nsyn till alla fak<span class=\"__10 _471\"/>torer som marknadsakt\u00f6r<span class=\"__10 _d_9\"/>er skulle beakta vid priss\u00e4ttning. V<span class=\"__10 _479\"/>arje ny v\u00e4r-<span class=\"__10 _469\"> </span>deringsmodell godk\u00e4nns av modellriskk<span class=\"__10 _d_9\"/>ommitt\u00e9n (Model Risk Committee) och alla modeller gr<span class=\"__10 _471\"/>anskas regelbundet. Komple<span class=\"__10 _d_9\"/>xa v\u00e4rderingsmodeller brukar k\u00e4nnetecknas a<span class=\"__10 _d_9\"/>v att de anv\u00e4nder sig a<span class=\"__10 _d_9\"/>v icke-observerbara och modellspeci\ufb01ka indata. <span class=\"__10 _d_9\"/>Alla v\u00e4rderingsmodeller<span class=\"__10 _d_9\"/>, b\u00e5de komplexa och enkla, anv\u00e4nder sig a<span class=\"__10 _d_9\"/>v marknadspriser och indata, bland annat r\u00e4n<span class=\"__10 _d_9\"/>tor<span class=\"__10 _d_9\"/>,<span class=\"__10 _c_9\"/> volatilitet och k<span class=\"__10 _d_9\"/>orrelation. Vissa marknadspriser och indata \u00e4r observerbara, medan andra in<span class=\"__10 _d_9\"/>te \u00e4r det<span class=\"__10 _c_9\"/>. F\u00f6r de fles<span class=\"__10 _d_9\"/>ta vanliga valutor \u00e4r r<span class=\"__10 _d_9\"/>\u00e4ntorna observerbara, och de implicita vola<span class=\"__10 _d_9\"/>tilitets-<span class=\"__10 _c_9\"/> och korrelations<span class=\"__10 _d_9\"/>talen f\u00f6r dessa valut<span class=\"__10 _471\"/>or och r\u00e4n<span class=\"__10 _471\"/>tor \u00e4r observer<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>bara genom optionspriser upp till en viss l\u00f6p<span class=\"__10 _d_9\"/>tid. Implicita vola<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>tilitets- och korrela<span class=\"__10 _d_9\"/>tionstal \u00e4r ocks\u00e5 observerbara f\u00f6r de mes<span class=\"__10 _471\"/>t likvida aktieins<span class=\"__10 _471\"/>trumenten. F<span class=\"__10 _d_9\"/>\u00f6r mindre likvida aktieinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _c_9\"/> \u00e4r optionsmarknaden t\u00e4mligen illikvid, och d\u00e4rf\u00f6r \u00e4r de impli<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>cita volatilit<span class=\"__10 _471\"/>ets- och korrelations<span class=\"__10 _d_9\"/>talen inte observerbara.<span class=\"__10 _469\"> </span>Nordea anv<span class=\"__10 _471\"/>\u00e4nder fr\u00e4ms<span class=\"__10 _471\"/>t publicerade prisno<span class=\"__10 _471\"/>teringar f<span class=\"__10 _471\"/>\u00f6r att fas<span class=\"__10 _471\"/>tst\u00e4lla verkligt v<span class=\"__10 _d_9\"/>\u00e4rde p\u00e5 instrument som redo<span class=\"__10 _d_9\"/>visas under f\u00f6ljande balanspos<span class=\"__10 _471\"/>ter:<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">R\u00e4nteb\u00e4r<span class=\"__10 _d_9\"/>ande v\u00e4rdepapper<span class=\"__10 _469\"> </span></span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Aktier och andelar (no<span class=\"__10 _471\"/>terade<span class=\"__10 _471\"/>)<span class=\"__10 _469\"> </span></span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Derivatins<span class=\"__10 _471\"/>trument (no<span class=\"__10 _471\"/>terade<span class=\"__10 _471\"/>)<span class=\"__10 _469\"> </span></span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Emitterade v<span class=\"__10 _471\"/>\u00e4rdepapper (emitter<span class=\"__10 _d_9\"/>ade bostadsobligationer </span><span class=\"__10 _469\">i </span><span class=\"__10 _d_9\"/>Nordea<span class=\"wsa_9\"> Kredit Realkreditak<span class=\"__10 _d_9\"/>tieselskab).<span class=\"__10 _469\"> </span></span>Nordea anv<span class=\"__10 _471\"/>\u00e4nder fr\u00e4ms<span class=\"__10 _471\"/>t v\u00e4rderingsmet<span class=\"__10 _471\"/>oder f\u00f6r a<span class=\"__10 _471\"/>tt fas<span class=\"__10 _471\"/>tst\u00e4lla verkligt v\u00e4r<span class=\"__10 _471\"/>de p\u00e5 instrument s<span class=\"__10 _471\"/>om redovisas under f<span class=\"__10 _d_9\"/>\u00f6ljande balansposter:<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Utl\u00e5ning till allm\u00e4nheten (hypot<span class=\"__10 _d_9\"/>eksl\u00e5n i <span class=\"ws0_10\">Nordea</span> Kredit </span>Realkreditak<span class=\"__10 _d_9\"/>tieselskab)<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">R\u00e4nteb\u00e4r<span class=\"__10 _d_9\"/>ande v\u00e4rdepapper (n\u00e4r prisnoteringar p\u00e5 en ak<span class=\"__10 _471\"/>tiv </span>marknad saknas)<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Aktier och andelar (n\u00e4r prisno<span class=\"__10 _471\"/>teringar p\u00e5 en aktiv marknad </span>saknas)<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Derivatins<span class=\"__10 _471\"/>trument (<span class=\"__10 _d_9\"/>OT<span class=\"__10 _d_9\"/>C<span class=\"__10 _d_9\"/>-<span class=\"__10 _c_9\"/>derivat).<span class=\"__10 _469\"> </span></span>F\u00f6r r<span class=\"__10 _d_9\"/>\u00e4nteb\u00e4rande v\u00e4rdepapper g\u00f6rs uppdelningen i de tr<span class=\"__10 _471\"/>e niv\u00e5erna mot bak<span class=\"__10 _471\"/>grund av den in<span class=\"__10 _d_9\"/>terna v\u00e4rderingsmetoden. V<span class=\"__10 _d_9\"/>\u00e4rderingen av dessa instrumen<span class=\"__10 _d_9\"/>t kan antingen vara bas<span class=\"__10 _471\"/>erade p\u00e5 direkt<span class=\"__10 _471\"/>a noteringar p\u00e5 en ak<span class=\"__10 _d_9\"/>tiv marknad (niv\u00e5 1) eller v\u00e4r-<span class=\"__10 _469\"> </span>derade med hj\u00e4lp a<span class=\"__10 _d_9\"/>v en metod d\u00e4r priset baseras p\u00e5 obser-<span class=\"__10 _469\"> </span>verbara marknadsda<span class=\"__10 _d_9\"/>ta (niv\u00e5 2). Om p\u00e5verkan f<span class=\"__10 _d_9\"/>r\u00e5n ej obser-<span class=\"__10 _469\"> </span>verbara par<span class=\"__10 _471\"/>ametrar p\u00e5 v\u00e4r<span class=\"__10 _d_9\"/>deringen av obligationen \u00e4r v\u00e4sen<span class=\"__10 _d_9\"/>t<span class=\"ws0_10\">-<span class=\"__10 _469\"> </span></span>lig klassi\ufb01ceras obliga<span class=\"__10 _471\"/>tionen som niv\u00e5 3 i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4rde.<span class=\"__10 _469\"> </span>F\u00f6r O<span class=\"__10 _d_9\"/>T<span class=\"__10 _471\"/>C<span class=\"__10 _d_9\"/>-derivat anv\u00e4nds v<span class=\"__10 _d_9\"/>\u00e4rderingsmodeller f\u00f6r att f<span class=\"__10 _471\"/>ast-<span class=\"__10 _469\"> </span>st\u00e4lla verkligt v<span class=\"__10 _d_9\"/>\u00e4rde. Modellerna har vanligtvis utvecklats intern<span class=\"__10 _d_9\"/>t och baseras p\u00e5 antaganden om beteenden hos de underliggande tillg\u00e5ngarna och statis<span class=\"__10 _d_9\"/>tiska scenarioanalyser<span class=\"__10 _d_9\"/>. De flesta O<span class=\"__10 _d_9\"/>TC<span class=\"__10 _479\"/>-derivat h\u00e4nf<span class=\"__10 _471\"/>\u00f6rs till niv\u00e5 2 i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4rde, vilket bety<span class=\"__10 _d_9\"/>der att alla v\u00e4sentliga inda<span class=\"__10 _471\"/>ta och modellpa-<span class=\"__10 _469\"> </span>rametrar kan obs<span class=\"__10 _471\"/>erveras p\u00e5 aktiv<span class=\"__10 _d_9\"/>a marknader.<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>\u00e4rderingen av riskkapitalf<span class=\"__10 _d_9\"/>onder och onoterade aktier \u00e4r till sin karak<span class=\"__10 _d_9\"/>t\u00e4r mer os\u00e4ker \u00e4n v\u00e4rdering av mer ak<span class=\"__10 _d_9\"/>tivt hand-<span class=\"__10 _469\"> </span>lade aktieins<span class=\"__10 _471\"/>trument. Nordea l\u00e4gger vikt vid ett k<span class=\"__10 _d_9\"/>onsekvent tillv\u00e4gag\u00e5ngss\u00e4<span class=\"__10 _d_9\"/>tt b\u00e5de n\u00e4r det g\u00e4ller olika tillg\u00e5ngar och \u00f6ver tiden. Metoderna som till\u00e4mpas f<span class=\"__10 _471\"/>\u00f6ljer anvisningarna i \u201dIn<span class=\"__10 _471\"/>ter-<span class=\"__10 _469\"> </span>national Priva<span class=\"__10 _471\"/>te E<span class=\"__10 _471\"/>quity and V<span class=\"__10 _d_9\"/>enture Capital V<span class=\"__10 _479\"/>aluation Guideli-<span class=\"__10 _469\"> </span>nes\u201d<span class=\"__10 _479\"/>, som utf\u00e4rdats a<span class=\"__10 _d_9\"/>v IPEV Board. Dessa anvisningar anv\u00e4nds som b\u00e4s<span class=\"__10 _d_9\"/>ta praxis i riskkapitalbranschen. F<span class=\"__10 _d_9\"/>\u00f6r USA-<span class=\"__10 _469\"> </span>baserade f<span class=\"__10 _d_9\"/>onder anv\u00e4nds liknande metoder<span class=\"__10 _d_9\"/>. Nordea har ocks\u00e5 l\u00e5n och emitterade sk<span class=\"__10 _d_9\"/>uldebrev i dotterf\u00f6-<span class=\"__10 _469\"> </span>retaget Nordea Kr<span class=\"__10 _471\"/>edit Realkreditak<span class=\"__10 _d_9\"/>tieselskab, v\u00e4rder<span class=\"__10 _d_9\"/>ade till verkligt v\u00e4r<span class=\"__10 _471\"/>de. N\u00e4r Nordea beviljar bol\u00e5n till l\u00e5n<span class=\"__10 _471\"/>tagare i enlig-<span class=\"__10 _469\"> </span>het med dansk lagstiftning om bostads\ufb01nansiering emitt<span class=\"__10 _471\"/>erar Nordea samtidigt sk<span class=\"__10 _d_9\"/>uldebrev med matchande villkor<span class=\"__10 _479\"/>, s\u00e5 kall-<span class=\"__10 _469\"> </span>lad \u201dmatchad \ufb01nansiering\u201d<span class=\"__10 _479\"/>. V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde f\u00f6r emitter<span class=\"__10 _471\"/>ade skuldebrev bas<span class=\"__10 _471\"/>eras p\u00e5 not<span class=\"__10 _471\"/>erade priser<span class=\"__10 _479\"/>. Eftersom l\u00e5ntagarna har r\u00e4tt a<span class=\"__10 _471\"/>tt k\u00f6pa skuldebr<span class=\"__10 _471\"/>ev som emitter<span class=\"__10 _471\"/>ats a<span class=\"__10 _d_9\"/>v Nordea p\u00e5 marknaden och \u00e5terl\u00e4mna dessa som betalning f<span class=\"__10 _d_9\"/>\u00f6r sina l\u00e5n, \u00e4r det verkliga v\u00e4r<span class=\"__10 _471\"/>det p\u00e5 l\u00e5nen samma som det verkliga v\u00e4r-<span class=\"__10 _469\"> </span>det p\u00e5 de emitterade sk<span class=\"__10 _471\"/>uldebreven (till f<span class=\"__10 _d_9\"/>\u00f6ljd av att omv<span class=\"__10 _d_9\"/>\u00e4rde-<span class=\"__10 _469\"> </span>ringen av \u00e5<span class=\"__10 _d_9\"/>terbetalningsoptionen \ufb01nns inb\u00e4ddad i l\u00e5net), jus-<span class=\"__10 _469\"> </span>tera<span class=\"__10 _471\"/>t f\u00f6r f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i kreditrisken hos l\u00e5nt<span class=\"__10 _471\"/>agaren och det verkliga v\u00e4r<span class=\"__10 _471\"/>det av kr<span class=\"__10 _471\"/>editmarginalen f<span class=\"__10 _d_9\"/>\u00f6r varje l\u00e5n.<span class=\"__10 _469\"> </span>K3.<span class=\"__10 _471\"/>4  Verkligt v\u00e4rde, f<span class=\"__10 _471\"/>orts.<span class=\"__10 _469\"> </span>128<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>K3.<span class=\"__10 _471\"/>4  Verkligt v\u00e4rde, f<span class=\"__10 _471\"/>orts.<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde p\u00e5 \ufb01nansiella tillg\u00e5ngar och skulder ber\u00e4k<span class=\"__10 _d_9\"/>-<span class=\"__10 _469\"> </span>nas vanligen som det teor<span class=\"__10 _471\"/>etiska nuv\u00e4rdet a<span class=\"__10 _d_9\"/>v de enskilda instrument<span class=\"__10 _d_9\"/>en. Denna ber\u00e4kning kompletteras med just<span class=\"__10 _471\"/>eringar p\u00e5 portf\u00f6ljniv\u00e5. Vid v\u00e4rderingen a<span class=\"__10 _d_9\"/>v derivat till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de g\u00f6r Nordea justeringar i f<span class=\"__10 _d_9\"/>orm av s\u00e5 kallade credit val<span class=\"__10 _471\"/>ue adjustmen<span class=\"__10 _471\"/>ts (CV<span class=\"__10 _479\"/>A) och debit value adjustmen<span class=\"__10 _d_9\"/>ts (DV<span class=\"__10 _d_9\"/>A). CV<span class=\"__10 _d_9\"/>A och D<span class=\"__10 _471\"/>V<span class=\"__10 _479\"/>A speg<span class=\"ws0_10\">-<span class=\"__10 _469\"> </span></span>lar hur motpartens kreditrisk respek<span class=\"__10 _d_9\"/>tive Nordeas egen kredit-<span class=\"__10 _469\"> </span>v\u00e4rdighet p\u00e5<span class=\"__10 _d_9\"/>verkar derivatets v<span class=\"__10 _d_9\"/>erkliga v\u00e4rde. Ber\u00e4kningarna baseras p\u00e5 uppska<span class=\"__10 _471\"/>ttningar av e<span class=\"__10 _d_9\"/>xponering vid fallissemang, sannolikhet f\u00f6r f<span class=\"__10 _d_9\"/>allissemang och \u00e5tervinningsgrad, f\u00f6r v<span class=\"__10 _d_9\"/>arje enskild motpart. F\u00f6r CV<span class=\"__10 _d_9\"/>A och DV<span class=\"__10 _479\"/>A baser<span class=\"__10 _d_9\"/>as exponering vid fal-<span class=\"__10 _469\"> </span>lissemang vanligen p\u00e5 f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>v\u00e4ntad e<span class=\"__10 _d_9\"/>xponering och fastst<span class=\"__10 _471\"/>\u00e4lls genom simulering av underliggande riskf<span class=\"__10 _d_9\"/>aktorer<span class=\"__10 _479\"/>. I de fall det \u00e4r m\u00f6jligt anv\u00e4nder sig Nor<span class=\"__10 _471\"/>dea av g\u00e4llande kr<span class=\"__10 _471\"/>editspread p\u00e5 CDS-marknaden, och sannolikheten f\u00f6r f<span class=\"__10 _d_9\"/>allissemang h\u00e4rleds fr\u00e5n dessa da<span class=\"__10 _d_9\"/>ta. F\u00f6r motparter som int<span class=\"__10 _471\"/>e har ett oms\u00e4ttnings-<span class=\"__10 _469\"> </span>bart CDS-kontrak<span class=\"__10 _d_9\"/>t<span class=\"__10 _c_9\"/>, fasts<span class=\"__10 _d_9\"/>t\u00e4lls sannolikhet f\u00f6r fallissemang med hj\u00e4lp av en tv<span class=\"__10 _d_9\"/>\u00e4r<span class=\"__10 _c_9\"/>snittsregressionsmodell som ber<span class=\"__10 _d_9\"/>\u00e4knar en ungef\u00e4rlig CDS-spr<span class=\"__10 _471\"/>ead utifr\u00e5n mo<span class=\"__10 _471\"/>tpartens ratingregion och bransch.<span class=\"__10 _469\"> </span><span class=\"__10 _469\">Eff</span><span class=\"__10 _471\"/>ekten a<span class=\"__10 _d_9\"/>v uppl\u00e5ningskostnader och uppl\u00e5ningskostnads-<span class=\"__10 _469\"> </span>minskningar p\u00e5 v\u00e4rderingen a<span class=\"__10 _d_9\"/>v derivatinstrumen<span class=\"__10 _471\"/>t utan s\u00e4ker-<span class=\"__10 _469\"> </span>het eller med obalanserad s\u00e4kerhet a<span class=\"__10 _d_9\"/>vspeglas delvis i det ber\u00e4knade nuv\u00e4r<span class=\"__10 _471\"/>det med den diskont<span class=\"__10 _d_9\"/>eringskur<span class=\"__10 _c_9\"/>va som anv\u00e4nds och del<span class=\"__10 _d_9\"/>vis i den separata verkligt v\u00e4r<span class=\"__10 _471\"/>de-justering f<span class=\"__10 _d_9\"/>\u00f6r \ufb01nansieringskostnad (funding f<span class=\"__10 _d_9\"/>air value adjustmen<span class=\"__10 _471\"/>t, FFV<span class=\"__10 _d_9\"/>A) som g\u00f6rs. I samband med v\u00e4rderingen till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde g\u00f6r Nordea ocks\u00e5 justeringar f<span class=\"__10 _d_9\"/>\u00f6r prisskillnaden mellan k\u00f6p- och s\u00e4ljpris, justeringar f<span class=\"__10 _d_9\"/>\u00f6r modellrisk (identi\ufb01erade brister i modellerna) och justeringar f<span class=\"__10 _d_9\"/>\u00f6r den oberoende kontrollen a<span class=\"__10 _d_9\"/>v priser<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span>Nordeas v\u00e4r<span class=\"__10 _471\"/>deringsmodeller kalibreras mo<span class=\"__10 _d_9\"/>t marknaden och om klimatrisk p\u00e5<span class=\"__10 _d_9\"/>verkar en viss marknad, s\u00e5 har detta redan beakt<span class=\"__10 _471\"/>ats a<span class=\"__10 _d_9\"/>v andra marknadsakt\u00f6rer<span class=\"__10 _479\"/>. Nordea har d\u00e4r-<span class=\"__10 _469\"> </span>med inte gjort n\u00e5gra f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i v\u00e4rderingsmodellerna f<span class=\"__10 _d_9\"/>\u00f6r att ta h\u00e4nsyn till klimatrisk, och inga kritiska v<span class=\"__10 _471\"/>\u00e4rdejusteringar har gjorts. Nordea kommer fram\u00f6<span class=\"__10 _d_9\"/>ver att f\u00f6lja utvecklingen inom de delar av v<span class=\"__10 _d_9\"/>\u00e4rderingsomr\u00e5det d\u00e4r klimatrisk skulle kunna ha en inv<span class=\"__10 _471\"/>erkan p\u00e5 modellerna (till ex<span class=\"__10 _d_9\"/>empel i fr\u00e5ga <span class=\"__10 _469\">om CV</span><span class=\"__10 _d_9\"/>A).<span class=\"__10 _469\"> </span>I tabellen nedan har tillg\u00e5ngar och skulder som r<span class=\"__10 _471\"/>edovisas till verkligt v\u00e4r<span class=\"__10 _471\"/>de i balansr\u00e4kningen delats upp p\u00e5 de tr<span class=\"__10 _471\"/>e niv\u00e5-<span class=\"__10 _469\"> </span>erna i IFRS-hierarkin f<span class=\"__10 _471\"/>\u00f6r verkligt v\u00e4r<span class=\"__10 _471\"/>de: instrumen<span class=\"__10 _471\"/>tets publi-<span class=\"__10 _469\"> </span>cerade prisno<span class=\"__10 _471\"/>teringar p\u00e5 en aktiv marknad (niv<span class=\"__10 _d_9\"/>\u00e5 1), v\u00e4rde-<span class=\"__10 _469\"> </span>ringsmetod baserad p\u00e5 observerbar<span class=\"__10 _d_9\"/>a marknadsdata (niv\u00e5 2) och v\u00e4rderingsmetod bas<span class=\"__10 _471\"/>erad p\u00e5 icke observerbar<span class=\"__10 _471\"/>a mark-<span class=\"__10 _469\"> </span>nadsdata (niv<span class=\"__10 _471\"/>\u00e5 3). Niv\u00e5 1<span class=\"__10 _471\"/>-kategorin om<span class=\"__10 _d_9\"/>fattar noter<span class=\"__10 _d_9\"/>ade derivat, noterade aktier<span class=\"__10 _479\"/>, statsobligationer i utvecklade l\u00e4nder och de me<span class=\"__10 _471\"/>st lik<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>vida bostadsobliga<span class=\"__10 _471\"/>tionerna och f\u00f6r<span class=\"__10 _471\"/>etagsobligationerna som har direkt<span class=\"__10 _471\"/>a prisnoteringar f<span class=\"__10 _d_9\"/>\u00f6r handel<span class=\"__10 _c_9\"/>. Niv\u00e5 2-kat<span class=\"__10 _d_9\"/>egorin omfat-<span class=\"__10 _469\"> </span>tar huvuddelen a<span class=\"__10 _471\"/>v Nordeas O<span class=\"__10 _d_9\"/>TC<span class=\"__10 _479\"/>-<span class=\"__10 _c_9\"/>derivat, k\u00f6pta/<span class=\"__10 _d_9\"/>s\u00e5lda v\u00e4rde-<span class=\"__10 _469\"> </span>papper enligt \u00e5terf<span class=\"__10 _471\"/>\u00f6rs\u00e4ljnings-/<span class=\"__10 _d_9\"/>\u00e5terk\u00f6psa<span class=\"__10 _471\"/>vtal, l\u00e5nade/utl\u00e5-<span class=\"__10 _469\"> </span>nade v\u00e4rdepapper och andr<span class=\"__10 _471\"/>a instrumen<span class=\"__10 _471\"/>t d\u00e4r indata i v\u00e4r<span class=\"__10 _d_9\"/>de-<span class=\"__10 _469\"> </span>ringsmetoden eller v\u00e4rderingsmodell<span class=\"__10 _471\"/>en baseras p\u00e5 uppgifter fr\u00e5n en ak<span class=\"__10 _d_9\"/>tiv marknad. Niv\u00e5 3-kategorin omf<span class=\"__10 _d_9\"/>attar inves<span class=\"__10 _471\"/>tering-<span class=\"__10 _469\"> </span>ar i onoter<span class=\"__10 _471\"/>ade v\u00e4rdepapper<span class=\"__10 _479\"/>, riskkapitalfonder<span class=\"__10 _d_9\"/>, hedgefonder<span class=\"__10 _479\"/>, fas<span class=\"__10 _471\"/>tigheter<span class=\"__10 _d_9\"/>, mer komplexa O<span class=\"__10 _d_9\"/>T<span class=\"__10 _d_9\"/>C-deriva<span class=\"__10 _471\"/>t d\u00e4r icke observerbara marknadsdata har en betydande in<span class=\"__10 _d_9\"/>verkan p\u00e5 det verkliga v\u00e4rdet, vissa komple<span class=\"__10 _471\"/>xa eller struk<span class=\"__10 _471\"/>turerade \ufb01nansiella ins<span class=\"__10 _471\"/>tru-<span class=\"__10 _469\"> </span>ment och illikvida r<span class=\"__10 _471\"/>\u00e4nteb\u00e4r<span class=\"__10 _d_9\"/>ande v\u00e4rdepapper<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span>\u00d6verf\u00f6ringar mellan niv<span class=\"__10 _d_9\"/>\u00e5 1 och niv\u00e5 2<span class=\"__10 _469\"> </span>Nordea<span class=\"ws0_10\"> har under \u00e5ret \u00f6v<span class=\"__10 _d_9\"/>er<span class=\"__10 _c_9\"/>f\u00f6rt poster r<span class=\"__10 _d_9\"/>edovisade under \u201dR\u00e4n<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></span>teb\u00e4rande v<span class=\"__10 _471\"/>\u00e4rdepapper<span class=\"__10 _c_9\"/>\u201d (inklusive \u201dP<span class=\"__10 _471\"/>antsa<span class=\"__10 _471\"/>tta \ufb01nansiella instrument\u201d) till ett v\u00e4rde a<span class=\"__10 _d_9\"/>v 4 030 mn euro (2 341 mn euro) fr\u00e5n niv<span class=\"__10 _471\"/>\u00e5 1 till niv\u00e5 2 och 1 570 mn eur<span class=\"__10 _471\"/>o (<span class=\"__10 _d_9\"/>4<span class=\"__10 _c_9\"/>39 mn euro) fr<span class=\"__10 _d_9\"/>\u00e5n niv\u00e5 2 till niv\u00e5 1 i v<span class=\"__10 _471\"/>erkligt v\u00e4rde-hier<span class=\"__10 _d_9\"/>arkin. Vidare har <span class=\"wse_9\">Nordea</span><span class=\"ls0_10\"> </span>\u00f6verf<span class=\"__10 _471\"/>\u00f6rt poster redovisade under \u201dEmitt<span class=\"__10 _471\"/>erade v\u00e4r<span class=\"__10 _d_9\"/>depapper<span class=\"__10 _1d_6\"/>\u201d till ett v\u00e4rde a<span class=\"__10 _d_9\"/>v 2 989 mn euro (10 701 mn euro) fr<span class=\"__10 _471\"/>\u00e5n niv\u00e5 1 till niv\u00e5 2 och 3 731 mn euro (<span class=\"__10 _471\"/>4 954 mn euro) f<span class=\"__10 _471\"/>r\u00e5n niv\u00e5 2 till niv<span class=\"__10 _d_9\"/>\u00e5 1,<span class=\"__10 _c_9\"/> samt \u201d\u00d6vriga skul<span class=\"__10 _471\"/>der<span class=\"__10 _c_9\"/>\u201d till ett v\u00e4rde a<span class=\"__10 _471\"/>v 43 mn euro (256 mn euro) f<span class=\"__10 _471\"/>r\u00e5n niv\u00e5 1 till niv<span class=\"__10 _d_9\"/>\u00e5 2 och 2<span class=\"__10 _c_9\"/>35 mn euro (269 mn euro) f<span class=\"__10 _d_9\"/>r\u00e5n niv\u00e5 2 till niv\u00e5 1. \u00d6v<span class=\"__10 _471\"/>erf\u00f6ringarna fr<span class=\"__10 _d_9\"/>\u00e5n niv\u00e5 1 till niv\u00e5 2 gjordes eftersom instrumen<span class=\"__10 _471\"/>ten upph\u00f6rde a<span class=\"__10 _471\"/>tt handlas aktivt under \u00e5ret, vilket innebar att verkligt v<span class=\"__10 _471\"/>\u00e4rde ber\u00e4knades med v<span class=\"__10 _d_9\"/>\u00e4rde<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ringsmetoder baserade p\u00e5 observerbar<span class=\"__10 _d_9\"/>a marknadsdata. \u00d6ver<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>f\u00f6ringarna f<span class=\"__10 _471\"/>r\u00e5n niv\u00e5 2 till niv<span class=\"__10 _d_9\"/>\u00e5 1 gjordes eftersom instrumenten \u00e5terigen handlades ak<span class=\"__10 _d_9\"/>tivt under \u00e5ret<span class=\"__10 _c_9\"/>, vilket innebar att tillf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>litliga prisnoteringar f<span class=\"__10 _d_9\"/>anns tillg\u00e4ngliga p\u00e5 marknaden. \u00d6verf\u00f6<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ringar fr\u00e5n en niv<span class=\"__10 _471\"/>\u00e5 till en annan anses ha skett vid \u00e5rets sl<span class=\"__10 _471\"/>ut.<span class=\"__10 _469\"> </span>129<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>K3.<span class=\"__10 _471\"/>4  Verkligt v\u00e4rde, f<span class=\"__10 _471\"/>orts.<span class=\"__10 _469\"> </span>Tillg\u00e5ngar och skulder redovisade till v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde i balansr\u00e4kningen<span class=\"__10 _469\"> </span>F\u00f6r<span class=\"__10 _471\"/>delning i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4rde<span class=\"__10 _469\"> </span>31 dec 2021, mn euro<span class=\"__10 _469\"> </span>Instrument med publicerade prisnoteringar <span class=\"__10 _2b_4\"/> p\u00e5 en aktiv <span class=\"__10 _2b_4\"/> marknad (niv\u00e5 1)<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>arav <span class=\"__10 _2b_4\"/> Life &amp; Pension<span class=\"__10 _469\"> </span>V\u00e4r<span class=\"__10 _471\"/>deringsmetod baserad p\u00e5 observerbara marknadsdata (niv\u00e5 2)<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>arav Life &amp; Pension<span class=\"__10 _469\"> </span>V\u00e4r<span class=\"__10 _471\"/>deringsmetod baserad p\u00e5 icke observerbara marknadsdata (niv\u00e5 3)<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>arav Life &amp; Pension<span class=\"__10 _6b_2\"> </span>Summa<span class=\"__10 _469\"> </span>Tillg\u00e5ngar till verkligt v\u00e4rde i balansr<span class=\"__10 _d_9\"/><span class=\"__10 _469\">\u00e4kningen1<span class=\"__10 _469\"> </span></span>Utl\u00e5ning till centr<span class=\"__10 _471\"/>albanker<span class=\"__10 _8f_2\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _560\"> </span>404<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _4c_2\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _545\"> </span>404<span class=\"__10 _469\"> </span>Utl\u00e5ning till kreditinstitut<span class=\"__10 _561\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _562\"> </span>192<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _4c_2\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _496\"> </span>192<span class=\"__10 _469\"> </span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__10 _563\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _564\"> </span><span class=\"ls4_9 ws7_9\">75 176<span class=\"__10 _537\"> </span></span>\u2013<span class=\"__10 _4c_2\"> </span>\u2013<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _2a_4\"> </span><span class=\"ls4_9 ws7_9\">75 176<span class=\"__10 _469\"> </span></span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/><span class=\"__10 _469\">ande v\u00e4rdepapper2 </span><span class=\"__10 _566\"> </span>20 7<span class=\"__10 _d_9\"/>46<span class=\"__10 _4a_2\"> </span><span class=\"ls4_9 ws7_9\">1<span class=\"__10 _c_9\"/> 143<span class=\"__10 _567\"> </span></span>40 154<span class=\"__10 _510\"> </span>2 894<span class=\"__10 _551\"> </span>703<span class=\"__10 _496\"> </span><span class=\"ls10_8 ws17_8\">97<span class=\"__10 _568\"> </span></span>61 603<span class=\"__10 _469\"> </span>Aktier och andelar<span class=\"__10 _569\"> </span>12 456<span class=\"__10 _476\"> </span>10 543<span class=\"__10 _562\"> </span><span class=\"ls4_9 ws7_9\">515<span class=\"__10 _483\"> </span></span>353<span class=\"__10 _564\"> </span>2 2<span class=\"__10 _d_9\"/>46<span class=\"__10 _2a_4\"> </span>1 001<span class=\"__10 _5c_2\"> </span>15 217<span class=\"__10 _469\"> </span>Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s\u00e4kringsavtal<span class=\"__10 _495\"> </span>45 7<span class=\"__10 _d_9\"/>4<span class=\"__10 _c_9\"/>3<span class=\"__10 _476\"> </span>41 479<span class=\"__10 _9a_2\"> </span>411<span class=\"__10 _520\"> </span>411<span class=\"__10 _554\"> </span>156<span class=\"__10 _9b_2\"> </span>156<span class=\"__10 _568\"> </span>46 310<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _9c_3\"> </span>86<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _9d_2\"> </span>28 930<span class=\"__10 _565\"> </span>7<span class=\"__10 _9e_2\"> </span>1 184<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _9f_2\"> </span>30 200<span class=\"__10 _469\"> </span>\u00d6vriga tillg\u00e5ngar<span class=\"__10 _a0_2\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _550\"> </span>7 236<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _a1_2\"> </span>29<span class=\"__10 _a2_2\"> </span>28<span class=\"__10 _5a_2\"> </span>7 265<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _a3_2\"> </span> 79 031 <span class=\"__10 _a4_2\"> </span> 53 165 <span class=\"__10 _485\"> </span> 153 018 <span class=\"__10 _a5_3\"> </span> 3 665 <span class=\"__10 _a6_3\"> </span> 4 318 <span class=\"__10 _6c_2\"> </span> 1 282 <span class=\"__10 _a4_2\"> </span> 236 367 Skulder till verkligt v\u00e4r<span class=\"__10 _471\"/><span class=\"__10 _469\">de i balansr\u00e4kningen1<span class=\"__10 _469\"> </span></span>Skulder till kreditinstitut<span class=\"__10 _a7_3\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _504\"> </span>3 315<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _4c_2\"> </span>\u2013<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _515\"> </span>3 315<span class=\"__10 _469\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__10 _a8_3\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _a9_3\"> </span>2 639<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _4c_2\"> </span>\u2013<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _538\"> </span>2 639<span class=\"__10 _469\"> </span>Inl\u00e5ning i placeringsportf\u00f6ljer och fondf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s\u00e4kringsavtal<span class=\"__10 _aa_2\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _567\"> </span>48 201<span class=\"__10 _ab_2\"> </span>43 344<span class=\"__10 _4c_2\"> </span>\u2013<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _ac_2\"> </span>48 201<span class=\"__10 _469\"> </span>Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper<span class=\"__10 _ad_2\"> </span>38 760<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _7a_2\"> </span>17 659<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _564\"> </span>1 588<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _9f_2\"> </span>58 007<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _ae_3\"> </span><span class=\"ls4_9 ws7_9\">176<span class=\"__10 _537\"> </span></span>\u2013<span class=\"__10 _af_3\"> </span>30 292<span class=\"__10 _518\"> </span>27<span class=\"__10 _8a_2\"> </span>1 017<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _568\"> </span>31 485<span class=\"__10 _469\"> </span>\u00d6vriga skulder<span class=\"__10 _b0_2\"> </span>4 016<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _3a_5\"> </span>7 811<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _562\"> </span>46<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _491\"> </span>11 873<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _b1_2\"> </span> 42 952 <span class=\"__10 _b2_3\"> </span><span class=\"ff2_10\"> \u2013<span class=\"__10 _b3_2\"> </span></span> 109 917 <span class=\"__10 _a4_2\"> </span> 43 371 <span class=\"__10 _513\"> </span> 2 651 <span class=\"__10 _494\"> </span><span class=\"ff2_10\">\u2013 <span class=\"__10 _b4_2\"> </span></span> 155 520 1)  Samtliga poster v\u00e4r<span class=\"__10 _471\"/>deras till verkligt v\u00e4r<span class=\"__10 _471\"/>de vid slutet av v<span class=\"__10 _d_9\"/>arje rapportperiod.<span class=\"__10 _469\"> </span>2) V<span class=\"__10 _d_9\"/>arav <span class=\"__10 _2b_4\"/><span class=\"ws0_10\"><span class=\"__10 _469\">1 668 mn euro avser balanspost</span><span class=\"__10 _471\"/>en \u201dPan<span class=\"__10 _471\"/>tsatta \ufb01nansiella instrument\u201d<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span></span>Tillg\u00e5ngar och skulder redovisade till v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde i balansr\u00e4kningen F\u00f6r<span class=\"__10 _471\"/>delning i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4rde<span class=\"__10 _469\"> </span>31 dec 2022, mn euro<span class=\"__10 _469\"> </span>Instrument med publicerade prisnoteringar <span class=\"__10 _2b_4\"/> p\u00e5 en aktiv <span class=\"__10 _2b_4\"/> marknad (niv\u00e5 1)<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>arav <span class=\"__10 _2b_4\"/> Life &amp; Pension<span class=\"__10 _469\"> </span>V\u00e4r<span class=\"__10 _471\"/>deringsmetod baserad p\u00e5 observerbara marknadsdata (niv\u00e5 2)<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>arav Life &amp; Pension<span class=\"__10 _469\"> </span>V\u00e4r<span class=\"__10 _471\"/>deringsmetod baserad p\u00e5 icke observerbara marknadsdata (niv\u00e5 3)<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>arav Life &amp; Pension<span class=\"__10 _6b_2\"> </span>Summa<span class=\"__10 _469\"> </span>Tillg\u00e5ngar till verkligt v\u00e4rde i balansr<span class=\"__10 _d_9\"/><span class=\"__10 _469\">\u00e4kningen1<span class=\"__10 _469\"> </span></span>Utl\u00e5ning till centr<span class=\"__10 _471\"/>albanker<span class=\"__10 _8f_2\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _b5_3\"> </span>879<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _b6_3\"> </span>\u2013<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _518\"> </span>879<span class=\"__10 _469\"> </span>Utl\u00e5ning till kreditinstitut<span class=\"__10 _561\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _3a_5\"> </span><span class=\"lsd_8 ws13_9\">1<span class=\"__10 _c_9\"/> 74<span class=\"__10 _1d_6\"/>2<span class=\"__10 _565\"> </span></span>\u2013<span class=\"__10 _b6_3\"> </span>\u2013<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _487\"> </span><span class=\"lsd_8 ws13_9\">1<span class=\"__10 _c_9\"/> 74<span class=\"__10 _1d_6\"/>2<span class=\"__10 _469\"> </span></span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__10 _563\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _567\"> </span>70 627<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _b6_3\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _568\"> </span>70 627<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/><span class=\"__10 _469\">ande v\u00e4rdepapper2 </span><span class=\"__10 _b7_3\"> </span>25 961<span class=\"__10 _9f_2\"> </span>3 4<span class=\"__10 _c_9\"/>22<span class=\"__10 _b8_2\"> </span>38 368<span class=\"__10 _9f_2\"> </span>5 432<span class=\"__10 _b9_3\"> </span>437<span class=\"__10 _496\"> </span>47<span class=\"__10 _9f_2\"> </span>64 766<span class=\"__10 _469\"> </span>Aktier och andelar<span class=\"__10 _ba_3\"> </span>15 171<span class=\"__10 _476\"> </span>12 405<span class=\"__10 _bb_3\"> </span>406<span class=\"__10 _515\"> </span>264<span class=\"__10 _503\"> </span>2 347<span class=\"__10 _4a_2\"> </span>1 028<span class=\"__10 _4a_2\"> </span>17 924<span class=\"__10 _469\"> </span>Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s\u00e4kringsavtal<span class=\"__10 _8f_2\"> </span>39 994<span class=\"__10 _476\"> </span>36 167<span class=\"__10 _b5_3\"> </span>599<span class=\"__10 _514\"> </span>599<span class=\"__10 _b9_3\"> </span>362<span class=\"__10 _bc_2\"> </span>362<span class=\"__10 _9f_2\"> </span>40 955<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _bd_3\"> </span>159<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _9d_2\"> </span>34 550<span class=\"__10 _be_3\"> </span><span class=\"ls4_9 ws7_9\">117<span class=\"__10 _564\"> </span></span>1 869<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _568\"> </span>36 578<span class=\"__10 _469\"> </span>\u00d6vriga tillg\u00e5ngar<span class=\"__10 _a0_2\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _550\"> </span>6 327<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _a1_2\"> </span>33<span class=\"__10 _496\"> </span><span class=\"ls11_8 ws19_8\">25<span class=\"__10 _bf_3\"> </span></span>6 360<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _a3_2\"> </span> 81 285 <span class=\"__10 _501\"> </span> 51 994 <span class=\"__10 _c0_3\"> </span> 153 498 <span class=\"__10 _476\"> </span> 6 412 <span class=\"__10 _519\"> </span> 5 048 <span class=\"__10 _522\"> </span> 1 462 <span class=\"__10 _a4_2\"> </span> 2<span class=\"__10 _c_9\"/>39 831 Skulder till verkligt v\u00e4r<span class=\"__10 _471\"/><span class=\"__10 _469\">de i balansr\u00e4kningen1<span class=\"__10 _469\"> </span></span>Skulder till kreditinstitut<span class=\"__10 _a7_3\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _af_3\"> </span>10 446<span class=\"__10 _545\"> </span>44<span class=\"__10 _b6_3\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _9f_2\"> </span>10 446<span class=\"__10 _469\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__10 _a8_3\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _8a_2\"> </span>6 650<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _b6_3\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _bf_3\"> </span>6 650<span class=\"__10 _469\"> </span>Inl\u00e5ning i placeringsportf\u00f6ljer och fondf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s\u00e4kringsavtal<span class=\"__10 _aa_2\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _567\"> </span><span class=\"ls4_9 ws7_9\">4<span class=\"__10 _c_9\"/>2 7<span class=\"__10 _c_9\"/>76<span class=\"__10 _c1_2\"> </span></span>38 606<span class=\"__10 _b6_3\"> </span>\u2013<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _568\"> </span><span class=\"ls4_9 ws7_9\">4<span class=\"__10 _c_9\"/>2 7<span class=\"__10 _c_9\"/>76<span class=\"__10 _469\"> </span></span>Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper<span class=\"__10 _c2_3\"> </span>38 899<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _564\"> </span>11 328<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _564\"> </span>1 088<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _491\"> </span>51 315<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _c3_2\"> </span>659<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _c4_2\"> </span>37 623<span class=\"__10 _520\"> </span><span class=\"ls4_9 ws7_9\">14<span class=\"__10 _c_9\"/>1<span class=\"__10 _503\"> </span></span>1 820<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _ac_2\"> </span>40 102<span class=\"__10 _469\"> </span>\u00d6vriga skulder<span class=\"__10 _b0_2\"> </span>3 307<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _a9_3\"> </span>6 832<span class=\"__10 _518\"> </span>81<span class=\"__10 _9a_2\"> </span>63<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _568\"> </span>10 202<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _c5_3\"> </span> 42 865 <span class=\"__10 _b2_3\"> </span><span class=\"ff2_10\"> \u2013 <span class=\"__10 _485\"> </span></span> 115 655 <span class=\"__10 _501\"> </span> 38 87<span class=\"__10 _c_9\"/>2 <span class=\"__10 _c6_2\"> </span> 2 971 <span class=\"__10 _a2_2\"> </span><span class=\"ff2_10\"> \u2013 <span class=\"__10 _c7_2\"> </span></span> 161 491 1)  Samtliga poster v\u00e4r<span class=\"__10 _471\"/>deras till verkligt v\u00e4r<span class=\"__10 _471\"/>de vid slutet av v<span class=\"__10 _d_9\"/>arje rapportperiod.<span class=\"__10 _469\"> </span>2) V<span class=\"__10 _d_9\"/>arav <span class=\"__10 _2b_4\"/><span class=\"ws0_10\"><span class=\"__10 _469\">4 902 mn euro avser balanspost</span><span class=\"__10 _471\"/>en \u201dPan<span class=\"__10 _471\"/>tsatta \ufb01nansiella instrument\u201d<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span></span>130<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>K3.<span class=\"__10 _471\"/>4  Verkligt v\u00e4rde, f<span class=\"__10 _471\"/>orts.<span class=\"__10 _469\"> </span>2022, mn euro<span class=\"__10 _469\"> </span>Vinster och f\u00f6rl<span class=\"__10 _471\"/>uster som redovisats  i resulta<span class=\"__10 _471\"/>tr\u00e4kningen under \u00e5ret<span class=\"__10 _469\"> </span>Redo- visat <span class=\"__10 _2b_4\"/> i \u00f6vrigt total-<span class=\"__10 _469\"> </span>resulta<span class=\"__10 _471\"/>t<span class=\"__10 _469\"> </span>\u00d6ver- f\u00f6ringar <span class=\"__10 _2b_4\"/> till niv\u00e5 3<span class=\"__10 _469\"> </span>\u00d6ver- f\u00f6ringar <span class=\"__10 _2b_4\"/> fr\u00e5n <span class=\"__10 _2b_4\"/> niv\u00e5 3<span class=\"__10 _469\"> </span>1 jan 2022<span class=\"__10 _469\"> </span>Rea-<span class=\"ls0_10 ws0_10\"> </span>liserade Orea- liserade K\u00f6p/<span class=\"__10 _469\"> </span>emissioner<span class=\"__10 _469\"> </span>F\u00f6rs\u00e4lj- ningar<span class=\"__10 _469\"> </span>A<span class=\"__10 _d_9\"/>vr\u00e4k-<span class=\"__10 _469\"> </span>ningar<span class=\"__10 _d_9\"/>/ <span class=\"__10 _e_9\"/> likvider<span class=\"__10 _469\"> </span>Om- klassi\ufb01 -<span class=\"ws0_10\"> </span>cering<span class=\"__10 _469\"> </span>1<span class=\"__10 _469\"> </span>Om- r\u00e4knings-<span class=\"__10 _469\"> </span><span class=\"__10 _469\">diffe- </span>renser<span class=\"__10 _469\"> </span>31 dec 2022<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/>ande v\u00e4rdepapper<span class=\"__10 _c8_3\"> </span>703<span class=\"__10 _496\"> </span>2<span class=\"__10 _538\"> </span>-53<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _494\"> </span>121<span class=\"__10 _2a_4\"> </span><span class=\"ls3_9 ws6_9\">-236<span class=\"__10 _487\"> </span></span>-39<span class=\"__10 _a2_2\"> </span><span class=\"lse_8 ws14_9\">48<span class=\"__10 _491\"> </span></span>-103<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _565\"> </span>-6<span class=\"__10 _9f_2\"> </span>437<span class=\"__10 _469\"> </span>- vara<span class=\"__10 _d_9\"/>v Life &amp; Pension<span class=\"__10 _1c_6\"> </span><span class=\"ls10_8 ws17_8\">97<span class=\"__10 _498\"> </span></span>1<span class=\"__10 _548\"> </span><span class=\"ls4_9 ws7_9\">-1<span class=\"__10 _537\"> </span></span>\u2013<span class=\"__10 _8c_2\"> </span>22<span class=\"__10 _515\"> </span>-54<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _512\"> </span>5<span class=\"__10 _483\"> </span><span class=\"ls4_9 ws7_9\">-18<span class=\"__10 _3e_4\"> </span></span>\u2013<span class=\"__10 _4e_2\"> </span>-5<span class=\"__10 _bf_3\"> </span>47<span class=\"__10 _469\"> </span>Aktier och andelar<span class=\"__10 _552\"> </span>2 246<span class=\"__10 _483\"> </span>89<span class=\"__10 _483\"> </span>40<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _b2_3\"> </span>449<span class=\"__10 _2a_4\"> </span>-379<span class=\"__10 _483\"> </span><span class=\"ls4_9 ws7_9\">-18<span class=\"__10 _8c_2\"> </span></span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _be_3\"> </span><span class=\"ls4_9 ws7_9\">-15<span class=\"__10 _b2_3\"> </span></span>-65<span class=\"__10 _c9_3\"> </span>2 347<span class=\"__10 _469\"> </span>- vara<span class=\"__10 _d_9\"/>v Life &amp; Pension<span class=\"__10 _545\"> </span>1 001<span class=\"__10 _ca_2\"> </span>71<span class=\"__10 _5a_2\"> </span><span class=\"ls3_9 ws6_9\">-27<span class=\"__10 _cb_2\"> </span></span>\u2013<span class=\"__10 _508\"> </span>152<span class=\"__10 _2a_4\"> </span>-104<span class=\"__10 _483\"> </span><span class=\"ls4_9 ws7_9\">-18<span class=\"__10 _8c_2\"> </span></span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _518\"> </span>-47<span class=\"__10 _c9_3\"> </span>1 028<span class=\"__10 _469\"> </span>Tillg\u00e5ngar i placeringsportf\u00f6ljer  och fondf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s\u00e4kringsavtal<span class=\"__10 _bf_3\"> </span>156<span class=\"__10 _547\"> </span><span class=\"ls4_9 ws7_9\">-1<span class=\"__10 _520\"> </span></span>33<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _a2_2\"> </span>235<span class=\"__10 _514\"> </span>-66<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _494\"> </span>15<span class=\"__10 _b2_3\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _537\"> </span></span>\u2013<span class=\"__10 _cb_2\"> </span>-8<span class=\"__10 _9f_2\"> </span>362<span class=\"__10 _469\"> </span>- vara<span class=\"__10 _d_9\"/>v Life &amp; Pension<span class=\"__10 _8c_2\"> </span>156<span class=\"__10 _548\"> </span><span class=\"ls4_9 ws7_9\">-1<span class=\"__10 _520\"> </span></span>33<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _a2_2\"> </span>235<span class=\"__10 _514\"> </span>-66<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _498\"> </span>15<span class=\"__10 _518\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _537\"> </span></span>\u2013<span class=\"__10 _565\"> </span>-8<span class=\"__10 _9f_2\"> </span>362<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t (netto)<span class=\"__10 _4a_2\"> </span>167<span class=\"__10 _2a_4\"> </span>-<span class=\"__10 _d_9\"/>101<span class=\"__10 _4a_2\"> </span>-213<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _3f_4\"> </span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _514\"> </span>120<span class=\"__10 _a2_2\"> </span>60<span class=\"__10 _548\"> </span>16<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _cc_3\"> </span>49<span class=\"__10 _469\"> </span>\u00d6vriga tillg\u00e5ngar<span class=\"__10 _b9_3\"> </span>29<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _548\"> </span><span class=\"ls4_9 ws7_9\">-1<span class=\"__10 _537\"> </span></span>\u2013<span class=\"__10 _1c_6\"> </span>8<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _b2_3\"> </span>-3<span class=\"__10 _8c_2\"> </span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _bf_3\"> </span>33<span class=\"__10 _469\"> </span>- vara<span class=\"__10 _d_9\"/>v Life &amp; Pension<span class=\"__10 _1c_6\"> </span>28<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _1c_6\"> </span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _545\"> </span>-3<span class=\"__10 _536\"> </span>\u2013<span class=\"__10 _508\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _538\"> </span><span class=\"ls11_8 ws19_8\">25<span class=\"__10 _469\"> </span></span>Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper<span class=\"__10 _3c_4\"> </span>1 588<span class=\"__10 _bc_2\"> </span>53<span class=\"__10 _ac_2\"> </span><span class=\"ls3_9 ws6_9\">-25<span class=\"__10 _c_9\"/>6<span class=\"__10 _496\"> </span></span>-6<span class=\"__10 _b2_3\"> </span>348<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _4a_2\"> </span>-594<span class=\"__10 _498\"> </span>13<span class=\"__10 _515\"> </span>-58<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _c7_2\"> </span>1 088<span class=\"__10 _469\"> </span>\u00d6vriga skulder<span class=\"__10 _b6_3\"> </span>46<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _514\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _c_9\"/>1<span class=\"__10 _537\"> </span></span>\u2013<span class=\"__10 _565\"> </span>58<span class=\"__10 _487\"> </span><span class=\"ls3_9 ws6_9\">-20<span class=\"__10 _498\"> </span></span>\u2013<span class=\"__10 _536\"> </span>\u2013<span class=\"__10 _508\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _bf_3\"> </span>63<span class=\"__10 _469\"> </span>1)  Omklassi\ufb01cering avseende kon<span class=\"__10 _471\"/>vertering av Visa C<span class=\"__10 _d_9\"/>-aktier till Visa A<span class=\"__10 _d_9\"/>-aktier<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span>F\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndringar i niv\u00e5 3<span class=\"__10 _469\"> </span>Orealiserade vins<span class=\"__10 _d_9\"/>ter och f\u00f6rluster a<span class=\"__10 _d_9\"/>vser de tillg\u00e5ngar och skulder som innehades vid utg\u00e5ngen a<span class=\"__10 _d_9\"/>v \u00e5ret. \u00d6verf\u00f6ringarna fr\u00e5n niv<span class=\"__10 _471\"/>\u00e5 3 under \u00e5ret gjordes eft<span class=\"__10 _471\"/>ersom observerbara mark<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>nadsdata blev tillg\u00e4ngliga. \u00d6v<span class=\"__10 _d_9\"/>er<span class=\"__10 _c_9\"/>f\u00f6ringarna till niv<span class=\"__10 _471\"/>\u00e5 3 under 2022 gjordes eftersom observerbara marknads<span class=\"__10 _471\"/>data in<span class=\"__10 _d_9\"/>te l\u00e4ng-<span class=\"__10 _469\"> </span>re fanns till<span class=\"__10 _471\"/>g\u00e4ngliga. \u00d6verf\u00f6ringar f<span class=\"__10 _471\"/>r\u00e5n en niv\u00e5 till en annan anses ha skett vid \u00e5rets sl<span class=\"__10 _471\"/>ut. Vinster och f\u00f6rlus<span class=\"__10 _d_9\"/>ter redovisade i resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen under \u00e5ret ing\u00e5r i posten \u201dNettoresul<span class=\"__10 _d_9\"/>tat av poster till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde\u201d (se not K2.4 \u201dSumma nettoresult<span class=\"__10 _471\"/>at av pos<span class=\"__10 _d_9\"/>ter till verkligt v\u00e4rde\u201d). <span class=\"__10 _d_9\"/>Tillg\u00e5ngar och skulder avseende derivatins<span class=\"__10 _471\"/>trument r<span class=\"__10 _471\"/>edovisas netto.<span class=\"__10 _469\"> </span>2021, mn euro<span class=\"__10 _469\"> </span>Vinster och f\u00f6rl<span class=\"__10 _471\"/>uster som redovisats  i resulta<span class=\"__10 _471\"/>tr\u00e4kningen under \u00e5ret<span class=\"__10 _469\"> </span>Redo- visat <span class=\"__10 _2b_4\"/> i \u00f6vrigt total-<span class=\"__10 _469\"> </span>resulta<span class=\"__10 _471\"/>t<span class=\"__10 _469\"> </span>\u00d6ver- f\u00f6ringar <span class=\"__10 _2b_4\"/> till niv\u00e5 3<span class=\"__10 _469\"> </span>\u00d6ver-<span class=\"ls0_10 ws0_10\"> </span>f\u00f6ringar <span class=\"__10 _2b_4\"/><span class=\"ls0_10 ws0_10\"> </span>fr\u00e5n <span class=\"__10 _2b_4\"/> niv\u00e5 3<span class=\"__10 _469\"> </span>1 jan 2021<span class=\"__10 _469\"> </span>Rea-<span class=\"ls0_10 ws0_10\"> </span>liserade Orea- liserade K\u00f6p/<span class=\"__10 _469\"> </span>emissioner<span class=\"__10 _469\"> </span>F\u00f6rs\u00e4lj- ningar<span class=\"__10 _469\"> </span>A<span class=\"__10 _d_9\"/>vr\u00e4k-<span class=\"__10 _469\"> </span>ningar<span class=\"__10 _d_9\"/>/ <span class=\"__10 _e_9\"/> likvider<span class=\"__10 _469\"> </span>Om- klassi\ufb01 -<span class=\"ws0_10\"> </span>cering<span class=\"__10 _469\"> </span>Om- r\u00e4knings-<span class=\"__10 _469\"> </span><span class=\"__10 _469\">diffe- </span>renser<span class=\"__10 _469\"> </span>31 dec 2021<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/>ande v\u00e4rdepapper<span class=\"__10 _8b_2\"> </span> 931<span class=\"__10 _9b_2\"> </span><span class=\"lse_8 ws14_9\">-4<span class=\"__10 _487\"> </span><span class=\"ls4_9 ws7_9\"> 14<span class=\"__10 _537\"> </span></span></span>\u2013<span class=\"__10 _548\"> </span> 27<span class=\"__10 _c_9\"/>3<span class=\"__10 _491\"> </span>-155<span class=\"__10 _a2_2\"> </span> 4<span class=\"__10 _545\"> </span> 67<span class=\"__10 _4a_2\"> </span><span class=\"lse_8 ws14_9\">-439<span class=\"__10 _3e_4\"> </span></span>\u2013<span class=\"__10 _498\"> </span> 12<span class=\"__10 _6f_2\"> </span> 703<span class=\"__10 _469\"> </span>- vara<span class=\"__10 _d_9\"/>v Life &amp; Pension<span class=\"__10 _505\"> </span> 67<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _545\"> </span><span class=\"ls4_9 ws7_9\">-1<span class=\"__10 _3e_4\"> </span></span>\u2013<span class=\"__10 _498\"> </span> 46<span class=\"__10 _483\"> </span><span class=\"ls3_9 ws6_9\">-25<span class=\"__10 _508\"> </span></span> 1<span class=\"__10 _545\"> </span><span class=\"lse_8 ws14_9\"> 43<span class=\"__10 _483\"> </span></span>-37<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _536\"> </span> 3<span class=\"__10 _491\"> </span><span class=\"ls10_8 ws17_8\"> 97<span class=\"__10 _469\"> </span></span>Aktier och andelar<span class=\"__10 _552\"> </span>1 969<span class=\"__10 _5a_2\"> </span> 56<span class=\"__10 _4a_2\"> </span> 292<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _547\"> </span><span class=\"ls3_9 ws6_9\"> 3<span class=\"__10 _c_9\"/>24<span class=\"__10 _4a_2\"> </span></span>-340<span class=\"__10 _b2_3\"> </span>-5<span class=\"__10 _8c_2\"> </span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _b2_3\"> </span>-50<span class=\"__10 _cd_2\"> </span>2 246<span class=\"__10 _469\"> </span>- vara<span class=\"__10 _d_9\"/>v Life &amp; Pension<span class=\"__10 _498\"> </span> 835<span class=\"__10 _514\"> </span> 45<span class=\"__10 _538\"> </span> 96<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _548\"> </span> 220<span class=\"__10 _491\"> </span>-193<span class=\"__10 _545\"> </span>-5<span class=\"__10 _536\"> </span>\u2013<span class=\"__10 _508\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _536\"> </span> 3<span class=\"__10 _c1_2\"> </span>1 001<span class=\"__10 _469\"> </span>Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s\u00e4kringsavtal<span class=\"__10 _507\"> </span>92<span class=\"__10 _a2_2\"> </span>9<span class=\"__10 _bc_2\"> </span>30<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _8c_2\"> </span>53<span class=\"__10 _487\"> </span><span class=\"ls3_9 ws6_9\">-26<span class=\"__10 _b2_3\"> </span><span class=\"lse_8 ws14_9\">-4<span class=\"__10 _8c_2\"> </span></span></span>9<span class=\"__10 _b2_3\"> </span>-5<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _4e_2\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _ac_2\"> </span></span>156<span class=\"__10 _469\"> </span>- vara<span class=\"__10 _d_9\"/>v Life &amp; Pension<span class=\"__10 _1c_6\"> </span>92<span class=\"__10 _a2_2\"> </span>9<span class=\"__10 _bc_2\"> </span>30<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>53<span class=\"__10 _487\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _c_9\"/>6<span class=\"__10 _545\"> </span><span class=\"lse_8 ws14_9\">-4<span class=\"__10 _536\"> </span></span></span>9<span class=\"__10 _b2_3\"> </span>-5<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _8c_2\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _ac_2\"> </span></span>156<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t (netto)<span class=\"__10 _510\"> </span> 162<span class=\"__10 _538\"> </span><span class=\"ls3_9 ws6_9\">-26<span class=\"__10 _514\"> </span><span class=\"ls14_8 ws1c_8\">-75<span class=\"__10 _cb_2\"> </span></span></span>\u2013<span class=\"__10 _3f_4\"> </span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _487\"> </span> 40<span class=\"__10 _494\"> </span>-6<span class=\"__10 _bc_2\"> </span><span class=\"ls15_8 ws1d_8\"> 72<span class=\"__10 _3e_4\"> </span></span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _531\"> </span> 167<span class=\"__10 _469\"> </span>\u00d6vriga tillg\u00e5ngar<span class=\"__10 _ce_3\"> </span> 31<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _1c_6\"> </span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _b2_3\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _8c_2\"> </span></span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _2a_4\"> </span> 29<span class=\"__10 _469\"> </span>- vara<span class=\"__10 _d_9\"/>v Life &amp; Pension<span class=\"__10 _cf_2\"> </span> 30<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _1c_6\"> </span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _b2_3\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _8c_2\"> </span></span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _cf_2\"> </span>\u2013<span class=\"__10 _491\"> </span> 28<span class=\"__10 _469\"> </span>Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper<span class=\"__10 _9f_2\"> </span>1 781<span class=\"__10 _514\"> </span> 53<span class=\"__10 _1f_6\"> </span>27<span class=\"__10 _c_9\"/>2<span class=\"__10 _3e_4\"> </span> 1<span class=\"__10 _547\"> </span> 401<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _2a_4\"> </span>-472<span class=\"__10 _a2_2\"> </span> 31<span class=\"__10 _4a_2\"> </span>-479<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _c9_3\"> </span>1 588<span class=\"__10 _469\"> </span>\u00d6vriga skulder<span class=\"__10 _d0_2\"> </span> 32<span class=\"__10 _487\"> </span><span class=\"ls4_9 ws7_9\">-11<span class=\"__10 _a2_2\"> </span></span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _d1_2\"> </span> 33<span class=\"__10 _545\"> </span>-8<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _2a_4\"> </span> 46<span class=\"__10 _469\"> </span>131<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>K3.<span class=\"__10 _471\"/>4  Verkligt v\u00e4rde, f<span class=\"__10 _471\"/>orts.<span class=\"__10 _469\"> </span>Processen f<span class=\"__10 _d_9\"/>\u00f6r v\u00e4rdering till verkligt v<span class=\"__10 _471\"/>\u00e4rde V<span class=\"__10 _d_9\"/>\u00e4rderingsprocessen i Nordea utg\u00f6rs a<span class=\"__10 _d_9\"/>v flera steg. F<span class=\"__10 _471\"/>\u00f6rsta ste-<span class=\"__10 _469\"> </span>get \u00e4r att ta fr<span class=\"__10 _d_9\"/>am medelpriset vid dagens slut<span class=\"__10 _c_9\"/><span class=\"__10 _469\">. Det \u00e4r aff\u00e4rs-<span class=\"__10 _469\"> </span></span>omr\u00e5dena som ansvar<span class=\"__10 _d_9\"/>ar f\u00f6r att fas<span class=\"__10 _d_9\"/>tst\u00e4lla korrekt<span class=\"__10 _471\"/>a priser f\u00f6r v\u00e4rderingspr<span class=\"__10 _471\"/>ocessen. Dessa priser \u00e4r an<span class=\"__10 _d_9\"/>tingen internt f<span class=\"__10 _d_9\"/>ast-<span class=\"__10 _469\"> </span>st\u00e4llda a<span class=\"__10 _d_9\"/>v en tradingenhet eller inh\u00e4mtade fr<span class=\"__10 _471\"/>\u00e5n ext<span class=\"__10 _d_9\"/>erna k\u00e4llor. V<span class=\"__10 _d_9\"/>\u00e4rderingspriserna och v\u00e4rderingsmetoderna kon<span class=\"__10 _d_9\"/>trolleras och testas d\u00e4r<span class=\"__10 _471\"/>efter a<span class=\"__10 _d_9\"/>v en kontrollenhet i f<span class=\"__10 _471\"/>\u00f6rsta f<span class=\"__10 _471\"/>\u00f6rsvarslinjen som \u00e4r oberoende fr<span class=\"__10 _d_9\"/>\u00e5n de risktagande enheterna i fron<span class=\"__10 _d_9\"/><span class=\"__10 _469\">t offi-<span class=\"__10 _469\"> </span></span>ce. Allr<span class=\"__10 _d_9\"/>a viktigast i kon<span class=\"__10 _471\"/>trollproce<span class=\"__10 _471\"/>ssen \u00e4r den oberoende kon-<span class=\"__10 _469\"> </span>trollen a<span class=\"__10 _d_9\"/>v priser. H\u00e4r k<span class=\"__10 _d_9\"/>ontrolleras rik<span class=\"__10 _471\"/>tigheten i v\u00e4rderingarna genom att j\u00e4mf<span class=\"__10 _d_9\"/>\u00f6ra medelpriserna vid dagens slut med data fr\u00e5n ober<span class=\"__10 _471\"/>oende k\u00e4llor<span class=\"__10 _d_9\"/>. Slutligen analyseras r<span class=\"__10 _d_9\"/>esultatet a<span class=\"__10 _471\"/>v v\u00e4r-<span class=\"__10 _469\"> </span>deringskontr<span class=\"__10 _d_9\"/>ollen och v\u00e4rderingarna, och eventuella no<span class=\"__10 _d_9\"/>te-<span class=\"__10 _469\"> </span>ringar eskaleras. <span class=\"__10 _d_9\"/>\u00c4v<span class=\"__10 _471\"/>en justeringar f<span class=\"__10 _d_9\"/>\u00f6r variationer i oberoende<span class=\"__10 _469\"> </span>priskontr<span class=\"__10 _d_9\"/>oller ing\u00e5r i verkligt v\u00e4rde. Kon<span class=\"__10 _d_9\"/>trollen av rik<span class=\"__10 _471\"/>tigheten i priser och andra par<span class=\"__10 _471\"/>ametrar utf<span class=\"__10 _471\"/>\u00f6rs som minimum p\u00e5 m\u00e5nads<span class=\"ws0_10\">-<span class=\"__10 _469\"> </span></span>basis och f\u00f6r m\u00e5nga pr<span class=\"__10 _471\"/>odukter dagligen. In<span class=\"__10 _d_9\"/>formation fr<span class=\"__10 _471\"/>\u00e5n tredje part, s\u00e5som prisnoteringar och annan prisinf<span class=\"__10 _d_9\"/>ormation fr\u00e5n m\u00e4klar<span class=\"__10 _471\"/>e, anv\u00e4nds som j\u00e4m<span class=\"__10 _d_9\"/>f\u00f6relseuppgifter vid kon<span class=\"__10 _d_9\"/>trol-<span class=\"__10 _469\"> </span>len. J\u00e4mf<span class=\"__10 _d_9\"/>\u00f6relseuppgifternas kvalitet bed\u00f6ms regelbundet.<span class=\"__10 _469\"> </span>Justeringar till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde p\u00e5 portf\u00f6ljniv\u00e5 och uppskjut-<span class=\"__10 _469\"> </span>na dag 1-re<span class=\"__10 _471\"/>sultat f<span class=\"__10 _471\"/>r\u00e5n niv\u00e5 3-tr<span class=\"__10 _d_9\"/>ansaktioner ber\u00e4knas och rap-<span class=\"__10 _469\"> </span>porteras m\u00e5nadsvis. Den fak<span class=\"__10 _d_9\"/>tiska bed\u00f6mningen av instru-<span class=\"__10 _469\"> </span>ment i hier<span class=\"__10 _471\"/>arkin f\u00f6r v<span class=\"__10 _471\"/>erkligt v\u00e4rde utf<span class=\"__10 _d_9\"/>\u00f6rs kontinuerligt.<span class=\"__10 _469\"> </span>S\u00e4rskilda team inom riskorganisationen ansv<span class=\"__10 _d_9\"/>arar i andra f\u00f6rsvarslinjen f<span class=\"__10 _d_9\"/>\u00f6r att \u00f6vervaka och oberoende bed\u00f6ma de v\u00e4r-<span class=\"__10 _469\"> </span>deringar och kontr<span class=\"__10 _d_9\"/>oller som g\u00f6r<span class=\"__10 _c_9\"/>s av a<span class=\"__10 _d_9\"/><span class=\"__10 _469\">ff\u00e4rsomr\u00e5dena och </span>Group Finance (f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>sta f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>svarslinjen).<span class=\"__10 _469\"> </span>132<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>V<span class=\"__10 _d_9\"/>\u00e4rderingsmetoder och indata som anv<span class=\"__10 _471\"/>\u00e4nds vid v\u00e4rderingen till v<span class=\"__10 _471\"/>erkligt v\u00e4rde i niv<span class=\"__10 _471\"/>\u00e5 3<span class=\"__10 _469\"> </span>31 dec 2022, mn euro<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt v\u00e4rde V<span class=\"__10 _d_9\"/>arav Life &amp; <span class=\"__10 _469\">Pension1</span><span class=\"__10 _6c_2\"> </span>V\u00e4rderingmetoder<span class=\"__10 _469\"> </span>Ej observerbara indata<span class=\"__10 _469\"> </span>Intervall f<span class=\"__10 _471\"/>\u00f6r <span class=\"__10 _2b_4\"/> verkligt v\u00e4rde<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4rande v<span class=\"__10 _d_9\"/>\u00e4rdepapper Bol\u00e5neinstitut och andra kreditins<span class=\"__10 _d_9\"/>titut<span class=\"__10 _8c_2\"> </span>238<span class=\"__10 _503\"> </span>47<span class=\"__10 _6c_2\"> </span>Diskonterade kassafl<span class=\"__10 _471\"/>\u00f6den<span class=\"__10 _564\"> </span>Kreditspr<span class=\"__10 _d_9\"/>ead<span class=\"__10 _d2_2\"> </span>-15/15<span class=\"__10 _469\"> </span>F\u00f6ret<span class=\"__10 _471\"/><span class=\"__10 _469\">ag2</span><span class=\"__10 _d3_2\"> </span>199<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Diskon<span class=\"__10 _471\"/>terade kassafl\u00f6den<span class=\"__10 _7a_2\"> </span>Kreditspread<span class=\"__10 _d4_3\"> </span>-5/5<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _495\"> </span>437<span class=\"__10 _564\"> </span>47<span class=\"__10 _d5_2\"> </span>-20/20<span class=\"__10 _469\"> </span>Aktier och andelar Private equity-f<span class=\"__10 _d_9\"/>onder<span class=\"__10 _d6_2\"> </span>1 316<span class=\"__10 _d7_2\"> </span>693<span class=\"__10 _6f_2\"> </span>Andelsv\u00e4r<span class=\"__10 _471\"/><span class=\"__10 _469\">de3</span><span class=\"__10 _d8_3\"> </span>-151/151<span class=\"__10 _469\"> </span>Hedgefonder<span class=\"__10 _d9_2\"> </span>68<span class=\"__10 _564\"> </span>67<span class=\"__10 _6f_2\"> </span><span class=\"__10 _469\">Andelsv\u00e4rde3</span><span class=\"__10 _da_2\"> </span>-6/6<span class=\"__10 _469\"> </span>Kreditfonder<span class=\"__10 _d9_2\"> </span><span class=\"ls4_9 ws7_9\">511<span class=\"__10 _564\"> </span></span>63<span class=\"__10 _6f_2\"> </span>Andelsv\u00e4rde/<span class=\"__10 _d_9\"/><span class=\"__10 _469\">analytikerkonsensus3</span><span class=\"__10 _db_2\"> </span>-49/49<span class=\"__10 _469\"> </span>\u00d6vriga fonder<span class=\"__10 _dc_2\"> </span>323<span class=\"__10 _513\"> </span>193<span class=\"__10 _6f_2\"> </span>Andelsv\u00e4rde/f<span class=\"__10 _d_9\"/><span class=\"__10 _469\">ondkurser3</span><span class=\"__10 _499\"> </span>-27/27<span class=\"__10 _469\"> </span><span class=\"__10 _469\">\u00d6vrigt4</span><span class=\"__10 _563\"> </span>491<span class=\"__10 _513\"> </span><span class=\"lsd_8 ws13_9\">3<span class=\"__10 _c_9\"/>74<span class=\"__10 _3c_4\"> </span></span>\u2013<span class=\"__10 _dd_3\"> </span>-52/52<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _de_2\"> </span>2 709<span class=\"__10 _1c_6\"> </span>1 390<span class=\"__10 _527\"> </span> -285/285 Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _469\"> </span>R\u00e4ntederiv<span class=\"__10 _471\"/>at<span class=\"__10 _d9_2\"> </span>-81<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6c_2\"> </span>Optionsmodell<span class=\"__10 _557\"> </span>Korrelationer<span class=\"__10 _490\"> </span>-<span class=\"__10 _d_9\"/>20/<span class=\"__10 _c_9\"/>21<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>Aktiederiva<span class=\"__10 _d_9\"/>t<span class=\"__10 _db_2\"> </span>-5<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Op<span class=\"__10 _471\"/>tionsmodell<span class=\"__10 _557\"> </span>Korr<span class=\"__10 _471\"/>elationer<span class=\"__10 _d4_3\"> </span><span class=\"ls16_8 ws1e_7\">-7/<span class=\"__10 _c_9\"/>4<span class=\"__10 _469\"> </span></span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>Utdelning<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>alutaderivat<span class=\"__10 _df_2\"> </span>286<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Optionsmodell<span class=\"__10 _557\"> </span>K<span class=\"__10 _d_9\"/>orrelationer<span class=\"__10 _e0_2\"> </span>-4/2<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>Kreditderiva<span class=\"__10 _471\"/>t<span class=\"__10 _df_2\"> </span><span class=\"ls4_9 ws7_9\">-152<span class=\"__10 _504\"> </span></span>\u2013<span class=\"__10 _6f_2\"> </span>Kreditderiva<span class=\"__10 _d_9\"/>tmodell <span class=\"__10 _e1_2\"> </span>Korrela<span class=\"__10 _471\"/>tioner<span class=\"__10 _e2_2\"> </span>-11/16<span class=\"__10 _469\"> </span>\u00c5tervinningsgrad<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>\u00d6vrigt<span class=\"__10 _e3_2\"> </span>1<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Optionsmodell<span class=\"__10 _557\"> </span>K<span class=\"__10 _d_9\"/>orrelationer<span class=\"__10 _e4_2\"> </span>-0/0<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _563\"> </span>49<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _e5_2\"> </span>-42/43<span class=\"__10 _469\"> </span>Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper<span class=\"__10 _469\"> </span>Emitterade struk<span class=\"__10 _d_9\"/>turerade obligationer<span class=\"__10 _487\"> </span>-1 088<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Kredit<span class=\"__10 _471\"/>derivatmodell <span class=\"__10 _e6_2\"> </span>Korrela<span class=\"__10 _471\"/>tioner<span class=\"__10 _e7_2\"> </span>-5/5<span class=\"__10 _469\"> </span>\u00c5tervinningsgrad<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _e8_3\"> </span>-1 088<span class=\"__10 _504\"> </span><span class=\"ff2_10\">\u2013<span class=\"__10 _e9_3\"> </span></span>-5/5<span class=\"__10 _469\"> </span>\u00d6vrigt, netto<span class=\"__10 _469\"> </span>\u00d6vriga tillg\u00e5ngar och \u00d6vriga skulder<span class=\"__10 _d_9\"/>, netto<span class=\"__10 _ea_3\"> </span>-30<span class=\"__10 _503\"> </span><span class=\"ls11_8 ws19_8\">25<span class=\"__10 _6c_2\"> </span></span>\u2013<span class=\"__10 _492\"> </span>\u2013<span class=\"__10 _eb_2\"> </span>-3/3<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _553\"> </span>-30<span class=\"__10 _503\"> </span><span class=\"ls17_8 ws1f_7\">25<span class=\"__10 _6a_2\"> </span></span>-3/3<span class=\"__10 _469\"> </span>1)   <span class=\"__10 _2b_4\"/>Innehav i \ufb01nansiella instrument utg\u00f6r en s<span class=\"__10 _d_9\"/>tor del av livf\u00f6rs\u00e4kringsr\u00f6relsen, i syfte att fullg\u00f6r<span class=\"__10 _471\"/>a \u00e5taganden i f\u00f6rs\u00e4kringsa<span class=\"__10 _d_9\"/>vtal och \ufb01nansiella avtal. Vinster och f\u00f6rlus<span class=\"__10 _471\"/>ter h\u00e4nf<span class=\"__10 _471\"/>\u00f6rliga till dessa instrument alloker<span class=\"__10 _d_9\"/>as n\u00e4stan uteslutande till f\u00f6rs\u00e4kringstagarna och p\u00e5<span class=\"__10 _471\"/>verkar d\u00e4rmed inte Nor<span class=\"__10 _d_9\"/>deas eget kapital<span class=\"__10 _c_9\"/>.<span class=\"__10 _469\"> </span>2)   <span class=\"__10 _2b_4\"/>Var<span class=\"__10 _471\"/><span class=\"__10 _469\">av 150 mn euro priss\u00e4</span><span class=\"__10 _471\"/>tts utifr\u00e5n en kreditspread (skillnaden mellan disk<span class=\"__10 _471\"/>onteringsr\u00e4n<span class=\"__10 _d_9\"/>tan och LIBOR) p\u00e5 1,45 procent, och en rimlig f\u00f6r\u00e4ndring av denna kr<span class=\"__10 _d_9\"/>editspread  skulle inte p\u00e5<span class=\"__10 _d_9\"/>verka det verkliga v\u00e4rdet med tanke p\u00e5 \u00e5terk<span class=\"__10 _d_9\"/>\u00f6psm\u00f6jligheten. 3)   <span class=\"__10 _2b_4\"/>Verkligt v\u00e4r<span class=\"__10 _471\"/>de baseras p\u00e5 kurser och andelsv\u00e4rden s<span class=\"__10 _471\"/>om erh\u00e5llits av e<span class=\"__10 _471\"/>xterna leveran<span class=\"__10 _d_9\"/>t\u00f6rer/f\u00f6rvaltare. De<span class=\"__10 _471\"/>ssa kurser fasts<span class=\"__10 _471\"/>t\u00e4lls utifr\u00e5n v\u00e4r<span class=\"__10 _d_9\"/>deutvecklingen i de underliggande tillg\u00e5ng<span class=\"__10 _469\"> </span>-<span class=\"__10 _469\"> </span>arna. Den allra vanligaste v<span class=\"__10 _d_9\"/>\u00e4rderingsmetoden f\u00f6r private equity-fonder hos le<span class=\"__10 _471\"/>verant<span class=\"__10 _471\"/>\u00f6rer/f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>valtare \u00f6v<span class=\"__10 _471\"/>erensst\u00e4mmer med anvisningarna i In<span class=\"__10 _d_9\"/>ternational Private Equity and V<span class=\"__10 _d_9\"/>enture Capital V<span class=\"__10 _d_9\"/>aluation (IPEV), som utf\u00e4rdats a<span class=\"__10 _471\"/>v Invest E<span class=\"__10 _d_9\"/>urope (tidigare kallad EVCA). Ungef<span class=\"__10 _471\"/>\u00e4r 50 procent a<span class=\"__10 _d_9\"/>v innehavet i private equity-f<span class=\"__10 _471\"/>onder justeras/v<span class=\"__10 _471\"/>\u00e4rderas int<span class=\"__10 _471\"/>ernt utifr\u00e5n IPEV<span class=\"__10 _d_9\"/>-<span class=\"__10 _469\"> </span>anvisningarna. De redovisade v\u00e4r<span class=\"__10 _471\"/>dena f\u00f6r dessa ligger i in<span class=\"__10 _471\"/>tervallet 1 till 100 procen<span class=\"__10 _471\"/>t j\u00e4mf\u00f6rt med de v\u00e4r<span class=\"__10 _471\"/>den som erh\u00e5llits fr\u00e5n lever<span class=\"__10 _d_9\"/>ant\u00f6rer/f\u00f6rvaltar<span class=\"__10 _d_9\"/>e.<span class=\"__10 _469\"> </span>4)   <span class=\"__10 _2b_4\"/>Var<span class=\"__10 _471\"/>av 362 mn euro r<span class=\"__10 _471\"/>elateras till tillg\u00e5ngar i placeringsportf<span class=\"__10 _471\"/>\u00f6ljer och fondf<span class=\"__10 _471\"/>\u00f6rs\u00e4kringsavtal.<span class=\"__10 _469\"> </span>K3.<span class=\"__10 _471\"/>4  Verkligt v\u00e4rde, f<span class=\"__10 _471\"/>orts.<span class=\"__10 _469\"> </span>133<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>V<span class=\"__10 _d_9\"/>\u00e4rderingsmetoder och indata som anv<span class=\"__10 _471\"/>\u00e4nds vid v\u00e4rderingen till v<span class=\"__10 _471\"/>erkligt v\u00e4rde i niv<span class=\"__10 _471\"/>\u00e5 3<span class=\"__10 _469\"> </span>31 dec 2021, mn euro<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt v\u00e4rde V<span class=\"__10 _d_9\"/>arav Life &amp; <span class=\"__10 _469\">Pension1</span><span class=\"__10 _6c_2\"> </span>V\u00e4rderingmetoder<span class=\"__10 _469\"> </span>Ej observerbara indata<span class=\"__10 _469\"> </span>Intervall f<span class=\"__10 _471\"/>\u00f6r <span class=\"__10 _2b_4\"/> verkligt v\u00e4rde<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4rande v<span class=\"__10 _d_9\"/>\u00e4rdepapper Offen<span class=\"__10 _471\"/>tliga institutioner<span class=\"__10 _ec_2\"> </span>40<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Diskon<span class=\"__10 _471\"/>terade kassafl\u00f6den<span class=\"__10 _7a_2\"> </span>Kreditspread<span class=\"__10 _e7_2\"> </span>-4/4<span class=\"__10 _469\"> </span>Bol\u00e5neinstitut och andra kreditins<span class=\"__10 _d_9\"/>titut<span class=\"__10 _536\"> </span>491<span class=\"__10 _564\"> </span>92<span class=\"__10 _6f_2\"> </span>Diskonter<span class=\"__10 _471\"/>ade kassafl\u00f6den<span class=\"__10 _ed_2\"> </span>Kreditspread<span class=\"__10 _ee_3\"> </span>-41/41<span class=\"__10 _469\"> </span>F\u00f6ret<span class=\"__10 _471\"/><span class=\"__10 _469\">ag2</span><span class=\"__10 _8f_2\"> </span><span class=\"ls4_9 ws7_9\">17<span class=\"__10 _c_9\"/>2<span class=\"__10 _559\"> </span></span>5<span class=\"__10 _6f_2\"> </span>Diskon<span class=\"__10 _471\"/>terade kassafl\u00f6den<span class=\"__10 _7a_2\"> </span>Kreditspread<span class=\"__10 _ef_2\"> </span><span class=\"ls4_9 ws7_9\">-17<span class=\"__10 _471\"/>/17<span class=\"__10 _469\"> </span></span>Summa<span class=\"__10 _495\"> </span>703<span class=\"__10 _564\"> </span><span class=\"ls18_8 ws20_7\">97<span class=\"__10 _f0_3\"> </span></span>-62/62<span class=\"__10 _469\"> </span>Aktier och andelar Private equity-f<span class=\"__10 _d_9\"/>onder<span class=\"__10 _f1_2\"> </span>938<span class=\"__10 _7d_3\"> </span>633<span class=\"__10 _6f_2\"> </span><span class=\"__10 _469\">Andelsv\u00e4rde3</span><span class=\"__10 _f2_2\"> </span>-111/111<span class=\"__10 _469\"> </span>Hedgefonder<span class=\"__10 _c2_3\"> </span><span class=\"ls15_8 ws1d_8\">72<span class=\"__10 _9e_2\"> </span></span>71<span class=\"__10 _6f_2\"> </span><span class=\"__10 _469\">Andelsv\u00e4rde3</span><span class=\"__10 _da_2\"> </span>-6/6<span class=\"__10 _469\"> </span>Kreditfonder<span class=\"__10 _f3_2\"> </span>498<span class=\"__10 _b8_2\"> </span>115<span class=\"__10 _6f_2\"> </span>Andelsv\u00e4rde/<span class=\"__10 _d_9\"/><span class=\"__10 _469\">analytikerkonsensus3</span><span class=\"__10 _f4_2\"> </span>-45/45<span class=\"__10 _469\"> </span>\u00d6vriga fonder<span class=\"__10 _df_2\"> </span><span class=\"ls4_9 ws7_9\">512<span class=\"__10 _a6_3\"> </span></span>168<span class=\"__10 _6f_2\"> </span><span class=\"__10 _469\">Andelsv\u00e4rde/fondkurser3</span><span class=\"__10 _f5_2\"> </span>-46/46<span class=\"__10 _469\"> </span><span class=\"__10 _469\">\u00d6vrigt4</span><span class=\"__10 _f6_2\"> </span>382<span class=\"__10 _513\"> </span><span class=\"ls4_9 ws7_9\">17<span class=\"__10 _c_9\"/>0<span class=\"__10 _6f_2\"> </span></span>\u2013<span class=\"__10 _f7_2\"> </span>-39/39<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _de_2\"> </span>2 402<span class=\"__10 _485\"> </span>1 157<span class=\"__10 _f8_2\"> </span><span class=\"ls3_9 ws6_9\"> -247/24<span class=\"__10 _c_9\"/>7 </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _469\"> </span>R\u00e4ntederiv<span class=\"__10 _471\"/>at<span class=\"__10 _f9_2\"> </span>216<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Optionsmodell<span class=\"__10 _557\"> </span>K<span class=\"__10 _d_9\"/>orrelationer<span class=\"__10 _e2_2\"> </span>-12/12<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>Aktiederiva<span class=\"__10 _d_9\"/>t<span class=\"__10 _fa_2\"> </span><span class=\"lsd_8 ws13_9\">-74<span class=\"__10 _3a_5\"> </span></span>\u2013<span class=\"__10 _6f_2\"> </span>Optionsmodell<span class=\"__10 _557\"> </span>Korrela<span class=\"__10 _d_9\"/>tioner<span class=\"__10 _fb_2\"> </span>-11/8<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>Utdelning<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>alutaderivat<span class=\"__10 _c2_3\"> </span>41<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Optionsmodell<span class=\"__10 _557\"> </span>Korrela<span class=\"__10 _d_9\"/>tioner<span class=\"__10 _fc_3\"> </span>0/0<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>Kreditderiva<span class=\"__10 _471\"/>t<span class=\"__10 _fd_2\"> </span><span class=\"ls4_9 ws7_9\">-18<span class=\"__10 _504\"> </span></span>\u2013<span class=\"__10 _6f_2\"> </span>Kreditderivatmodell <span class=\"__10 _e6_2\"> </span>Korrela<span class=\"__10 _d_9\"/>tioner<span class=\"__10 _490\"> </span>-<span class=\"__10 _d_9\"/>20/<span class=\"__10 _c_9\"/>27<span class=\"__10 _469\"> </span>\u00c5tervinningsgrad<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>\u00d6vrigt<span class=\"__10 _fe_2\"> </span>2<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Optionsmodell<span class=\"__10 _557\"> </span>K<span class=\"__10 _d_9\"/>orrelationer<span class=\"__10 _e4_2\"> </span>-0/0<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _553\"> </span>167<span class=\"__10 _550\"> </span>\u2013<span class=\"__10 _d5_2\"> </span>-43/47<span class=\"__10 _469\"> </span>Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper<span class=\"__10 _469\"> </span>Emitterade struk<span class=\"__10 _d_9\"/>turerade obligationer<span class=\"__10 _548\"> </span>1 588<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Kreditderiv<span class=\"__10 _d_9\"/>atmodell <span class=\"__10 _e1_2\"> </span>Korr<span class=\"__10 _471\"/>elationer<span class=\"__10 _d4_3\"> </span><span class=\"ls16_8 ws1e_7\">-<span class=\"__10 _c_9\"/>7/<span class=\"__10 _1d_6\"/>7<span class=\"__10 _469\"> </span></span>\u00c5tervinningsgrad<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _de_2\"> </span>1 588<span class=\"__10 _504\"> </span><span class=\"ff2_10\">\u2013<span class=\"__10 _ff_2\"> </span></span><span class=\"ls16_8 ws1e_7\">-7/<span class=\"__10 _1d_6\"/>7<span class=\"__10 _469\"> </span></span>\u00d6vrigt, netto<span class=\"__10 _469\"> </span>\u00d6vriga tillg\u00e5ngar och \u00d6vriga skulder<span class=\"__10 _d_9\"/>, netto<span class=\"__10 _7e_2\"> </span><span class=\"ls4_9 ws7_9\">-17<span class=\"__10 _564\"> </span></span>28<span class=\"__10 _6f_2\"> </span>\u2013<span class=\"__10 _570\"> </span>\u2013<span class=\"__10 _571\"> </span>1/-1<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _561\"> </span><span class=\"ls4_9 ws7_9\">-17<span class=\"__10 _ed_2\"> </span></span>28<span class=\"__10 _572\"> </span>1/-1<span class=\"__10 _469\"> </span>1)   <span class=\"__10 _2b_4\"/>Innehav i \ufb01nansiella instrument utg\u00f6r en s<span class=\"__10 _d_9\"/>tor del av livf\u00f6rs\u00e4kringsr\u00f6relsen, i syfte att fullg\u00f6r<span class=\"__10 _471\"/>a \u00e5taganden i f\u00f6rs\u00e4kringsa<span class=\"__10 _d_9\"/>vtal och \ufb01nansiella avtal. Vinster och f\u00f6rlus<span class=\"__10 _471\"/>ter h\u00e4nf<span class=\"__10 _471\"/>\u00f6rliga till dessa instrument alloker<span class=\"__10 _d_9\"/>as n\u00e4stan uteslutande till f\u00f6rs\u00e4kringstagarna och p\u00e5<span class=\"__10 _471\"/>verkar d\u00e4rmed inte Nor<span class=\"__10 _d_9\"/>deas eget kapital<span class=\"__10 _c_9\"/>.<span class=\"__10 _469\"> </span>2)   <span class=\"__10 _2b_4\"/>Var<span class=\"__10 _471\"/><span class=\"__10 _469\">av 155 mn euro priss\u00e4</span><span class=\"__10 _471\"/>tts utifr\u00e5n en kreditspread (skillnaden mellan disk<span class=\"__10 _471\"/>onteringsr\u00e4n<span class=\"__10 _d_9\"/>tan och LIBOR) p\u00e5 1,45 procent, och en rimlig f\u00f6r\u00e4ndring av denna kr<span class=\"__10 _d_9\"/>editspread skulle inte p\u00e5verka det v<span class=\"__10 _471\"/>erkliga v\u00e4rdet med tanke p\u00e5 \u00e5<span class=\"__10 _471\"/>terk\u00f6psm\u00f6jligheten. 3)   <span class=\"__10 _2b_4\"/>Verkligt v\u00e4r<span class=\"__10 _471\"/>de baseras p\u00e5 kurser och andelsv\u00e4rden s<span class=\"__10 _471\"/>om erh\u00e5llits av e<span class=\"__10 _471\"/>xterna leveran<span class=\"__10 _d_9\"/>t\u00f6rer/f\u00f6rvaltare. De<span class=\"__10 _471\"/>ssa kurser fasts<span class=\"__10 _471\"/>t\u00e4lls utifr\u00e5n v\u00e4r<span class=\"__10 _d_9\"/>deutvecklingen i de underliggande tillg\u00e5ng<span class=\"__10 _469\"> </span>-<span class=\"__10 _469\"> </span>arna. Den allra vanligaste v<span class=\"__10 _d_9\"/>\u00e4rderingsmetoden f\u00f6r private equity-fonder hos le<span class=\"__10 _471\"/>verant<span class=\"__10 _471\"/>\u00f6rer/f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>valtare \u00f6v<span class=\"__10 _471\"/>erensst\u00e4mmer med anvisningarna i In<span class=\"__10 _d_9\"/>ternational Private Equity and V<span class=\"__10 _d_9\"/>enture Capital V<span class=\"__10 _d_9\"/>aluation (IPEV), som utf\u00e4rdats a<span class=\"__10 _471\"/>v Invest E<span class=\"__10 _d_9\"/>urope (tidigare kallad EVCA). Ungef<span class=\"__10 _471\"/>\u00e4r 40 procent a<span class=\"__10 _d_9\"/>v innehavet i private equity-f<span class=\"__10 _471\"/>onder justeras/v<span class=\"__10 _471\"/>\u00e4rderas int<span class=\"__10 _471\"/>ernt utifr\u00e5n IPEV<span class=\"__10 _d_9\"/>-<span class=\"__10 _469\"> </span>anvisningarna. De redovisade v\u00e4r<span class=\"__10 _471\"/>dena f\u00f6r dessa ligger i in<span class=\"__10 _471\"/>tervallet 1 till 100 procen<span class=\"__10 _471\"/>t j\u00e4mf\u00f6rt med de v\u00e4r<span class=\"__10 _471\"/>den som erh\u00e5llits fr\u00e5n lever<span class=\"__10 _d_9\"/>ant\u00f6rer/f\u00f6rvaltar<span class=\"__10 _d_9\"/>e.<span class=\"__10 _469\"> </span>4)   <span class=\"__10 _2b_4\"/>Var<span class=\"__10 _471\"/>av 156 mn euro r<span class=\"__10 _471\"/>elateras till tillg\u00e5ngar i placeringsportf<span class=\"__10 _471\"/>\u00f6ljer och fondf<span class=\"__10 _471\"/>\u00f6rs\u00e4kringsavtal.<span class=\"__10 _469\"> </span>T<span class=\"__10 _479\"/>abellerna ovan visar<span class=\"__10 _d_9\"/>, f\u00f6r v<span class=\"__10 _471\"/>arje tillg\u00e5ngs- och skuldklass som h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>ts till niv\u00e5 3, det verkliga v\u00e4r<span class=\"__10 _d_9\"/>det<span class=\"__10 _c_9\"/>, v\u00e4rderingsmetoderna som anv\u00e4n<span class=\"__10 _d_9\"/>ts f\u00f6r ber\u00e4kning a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde, v\u00e4sen<span class=\"__10 _d_9\"/>tliga ej observerbara data s<span class=\"__10 _471\"/>om anv\u00e4n<span class=\"__10 _d_9\"/>ts i v\u00e4rderingsmodellerna samt det verkliga v\u00e4r<span class=\"__10 _471\"/>dets k\u00e4nslighet f\u00f6r f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i viktiga antaganden.<span class=\"__10 _469\"> </span>Kolumnen \u201din<span class=\"__10 _d_9\"/>ter<span class=\"__10 _c_9\"/>vall f<span class=\"__10 _d_9\"/>\u00f6r verklig v\u00e4rde\u201d i tabellen ov<span class=\"__10 _471\"/>an visar k\u00e4nsligheten i verkligt v<span class=\"__10 _471\"/>\u00e4rde f<span class=\"__10 _471\"/>\u00f6r niv\u00e5 3-instrumen<span class=\"__10 _d_9\"/>t vid f\u00f6r\u00e4nd-<span class=\"__10 _469\"> </span>ringar i viktiga an<span class=\"__10 _d_9\"/>taganden. N\u00e4r exponeringen f\u00f6r en ej obser-<span class=\"__10 _469\"> </span>verbar parameter kvitt<span class=\"__10 _471\"/>as mellan olika instrumen<span class=\"__10 _471\"/>t redovisas <span class=\"__10 _469\">endast nettoeff</span><span class=\"__10 _d_9\"/>ekten i tabellen. Redo<span class=\"__10 _471\"/>visat in<span class=\"__10 _471\"/>tervall \u00e4r sanno-<span class=\"__10 _469\"> </span>likt s<span class=\"__10 _471\"/>t\u00f6rre \u00e4n den f<span class=\"__10 _d_9\"/>aktiska os\u00e4kerheten i verkligt v<span class=\"__10 _471\"/>\u00e4rde f<span class=\"__10 _471\"/>\u00f6r dessa instrumen<span class=\"__10 _471\"/>t, eftersom det i praktiken \u00e4r osannolik<span class=\"__10 _d_9\"/>t att<span class=\"__10 _469\"> </span>alla ej observerbara parametr<span class=\"__10 _d_9\"/>ar samtidigt skulle vara i utkan-<span class=\"__10 _469\"> </span>ten a<span class=\"__10 _471\"/>v sina intervall f<span class=\"__10 _d_9\"/>\u00f6r rimligt m\u00f6jliga alternativ<span class=\"__10 _d_9\"/>. Redovis-<span class=\"__10 _469\"> </span>ningen \u00e4r varken f<span class=\"__10 _d_9\"/>\u00f6ruts\u00e4gande eller indikativ f\u00f6r fr<span class=\"__10 _d_9\"/>amtida f\u00f6r-<span class=\"__10 _469\"> </span>\u00e4ndringar i verkligt v\u00e4r<span class=\"__10 _471\"/>de.<span class=\"__10 _469\"> </span>Den redovisade k\u00e4nsligheten (in<span class=\"__10 _d_9\"/>tervallet) i verkligt v\u00e4rde f\u00f6r deriv<span class=\"__10 _471\"/>at ber\u00e4knas enligt samma met<span class=\"__10 _471\"/>oder som vid redovis-<span class=\"__10 _469\"> </span>ningen av ytt<span class=\"__10 _471\"/>erligare v\u00e4r<span class=\"__10 _471\"/>dejusteringar f<span class=\"__10 _d_9\"/>\u00f6r modellrisk och marknadsprisos\u00e4kerhet enligt de\ufb01nitionen i kommissionens delegerade f<span class=\"__10 _d_9\"/>\u00f6rordning (EU) 2016/101 av den 26 ok<span class=\"__10 _471\"/>tober 2015 om komplettering a<span class=\"__10 _d_9\"/>v Europaparlamen<span class=\"__10 _d_9\"/>tets och r\u00e5dets f\u00f6ror<span class=\"__10 _471\"/>d-<span class=\"__10 _469\"> </span>ning (EU) nr 575/2013 med avseende p\u00e5 tekniska tillsynss<span class=\"__10 _d_9\"/>tan-<span class=\"__10 _469\"> </span>darder f<span class=\"__10 _471\"/>\u00f6r f\u00f6rsik<span class=\"__10 _d_9\"/>tig v\u00e4rdering enligt artikel 105(14).<span class=\"__10 _469\"> </span>K3.<span class=\"__10 _471\"/>4  Verkligt v\u00e4rde, f<span class=\"__10 _471\"/>orts.<span class=\"__10 _469\"> </span>134<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>K3.<span class=\"__10 _471\"/>4  Verkligt v\u00e4rde, f<span class=\"__10 _471\"/>orts.<span class=\"__10 _469\"> </span>F\u00f6r a<span class=\"__10 _471\"/>tt ber\u00e4kna k\u00e4nsligheten (in<span class=\"__10 _d_9\"/>tervallet) i verkligt v\u00e4rde f\u00f6r ak<span class=\"__10 _d_9\"/>tier och andelar och r\u00e4nteb\u00e4rande v<span class=\"__10 _d_9\"/>\u00e4rdepapper \u00f6kades och minskades det verkliga v\u00e4r<span class=\"__10 _d_9\"/>det med 2\u201310 procentenhet<span class=\"__10 _471\"/>er<span class=\"__10 _d_9\"/>, beroende p\u00e5 os\u00e4kerheten i v<span class=\"__10 _d_9\"/>\u00e4rderingen och underliggande antaganden. St\u00f6rr<span class=\"__10 _d_9\"/>e intervall till\u00e4mpas p\u00e5 instrument med st\u00f6rre os\u00e4k<span class=\"__10 _d_9\"/>erhet i v\u00e4rderingen j\u00e4mf\u00f6rt med ak<span class=\"__10 _d_9\"/>tivt handlade instrument och underliggande os\u00e4k<span class=\"__10 _d_9\"/>erheter i individuella antaganden.<span class=\"__10 _469\"> </span>F\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndringar i uppskjutna dag 1-resulta<span class=\"__10 _471\"/>t<span class=\"__10 _469\"> </span>T<span class=\"__10 _479\"/>ransaktionspriset f<span class=\"__10 _d_9\"/>\u00f6r \ufb01nansiella instrument \u00f6ver<span class=\"__10 _471\"/>ensst\u00e4mmer i vissa fall in<span class=\"__10 _d_9\"/>te med verkligt v\u00e4rde vid f<span class=\"__10 _471\"/>\u00f6rsta redo<span class=\"__10 _471\"/>visningstill-<span class=\"__10 _469\"> </span>f\u00e4llet (<span class=\"__10 _471\"/>enligt anv\u00e4nd v<span class=\"__10 _d_9\"/>\u00e4rderingsmodell). Sk\u00e4let \u00e4r huvudsakli-<span class=\"__10 _469\"> </span>gen att transak<span class=\"__10 _d_9\"/>tionspriset inte har kunna<span class=\"__10 _471\"/>t fas<span class=\"__10 _471\"/>tst\u00e4llas p\u00e5 en aktiv marknad. Om v<span class=\"__10 _471\"/>\u00e4sentliga ej observerbar<span class=\"__10 _d_9\"/>a data anv\u00e4nds i v\u00e4rderingsmetoden (niv<span class=\"__10 _d_9\"/>\u00e5 3) redovisas det \ufb01nansiella instru-<span class=\"__10 _469\"> </span>mentet till tr<span class=\"__10 _d_9\"/>ansaktionspriset, och den eventuella skillnaden<span class=\"__10 _469\"> </span>mellan transak<span class=\"__10 _471\"/>tionspriset och det verkliga v\u00e4r<span class=\"__10 _d_9\"/>det vid f\u00f6rsta redovisnings<span class=\"__10 _471\"/>tillf\u00e4llet, enligt anv\u00e4nd v<span class=\"__10 _471\"/>\u00e4rderingsmodell (dag 1-re<span class=\"__10 _471\"/>sultat), skjuts upp<span class=\"__10 _471\"/>. <span class=\"__10 _d_9\"/>T<span class=\"__10 _d_9\"/>abellen nedan visar den totala skillna<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>den som kvarst\u00e5r a<span class=\"__10 _471\"/>tt periodisera i re<span class=\"__10 _471\"/>sultatr<span class=\"__10 _d_9\"/>\u00e4kningen vid perio<span class=\"__10 _c_9\"/>-<span class=\"__10 _469\"> </span>dens b\u00f6rjan och slut. T<span class=\"__10 _e_9\"/>abellen visar ocks\u00e5 en avst\u00e4mning a<span class=\"__10 _d_9\"/>v hur detta skillnadsbelopp har f\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndrats under \u00e5ret (f\u00f6r<span class=\"__10 _d_9\"/>\u00e4nd-<span class=\"__10 _469\"> </span>ring i uppskjutna dag 1-re<span class=\"__10 _471\"/>sultat).<span class=\"__10 _469\"> </span>Uppskjutna dag 1-r<span class=\"__10 _471\"/>esultat \u2013 deriv<span class=\"__10 _d_9\"/>at<span class=\"__10 _c_9\"/>, netto<span class=\"__10 _469\"> </span>Mn euro<span class=\"__10 _573\"> </span>2022<span class=\"__10 _538\"> </span>2021<span class=\"__10 _469\"> </span>Belopp vid \u00e5rets b\u00f6rjan<span class=\"__10 _ad_2\"> </span><span class=\"lse_8 ws14_9\">77<span class=\"__10 _b2_3\"> </span><span class=\"ls19_8 ws21_7\">73<span class=\"__10 _469\"> </span></span></span>Uppskjutna resultat f<span class=\"__10 _d_9\"/>r\u00e5n nya transaktioner<span class=\"__10 _574\"> </span>58<span class=\"__10 _b2_3\"> </span>58<span class=\"__10 _469\"> </span>Redovisat i r<span class=\"__10 _d_9\"/><span class=\"__10 _469\">esultatr\u00e4kningen under \u00e5ret1<span class=\"__10 _469\"> </span></span>-51<span class=\"__10 _bc_2\"> </span><span class=\"ls0_10 ws0_10\">-54<span class=\"__10 _469\"> </span></span>Belopp vid \u00e5rets slut<span class=\"__10 _f4_2\"> </span>84<span class=\"__10 _518\"> </span><span class=\"lse_8 ws14_9\">77<span class=\"__10 _469\"> </span></span>1) <span class=\"__10 _575\"> </span> V<span class=\"__10 _d_9\"/>arav -6 mn euro (-8 mn euro) relat<span class=\"__10 _471\"/>eras till \u00f6verf<span class=\"__10 _471\"/>\u00f6ring av deriva<span class=\"__10 _471\"/>tinstrument f<span class=\"__10 _471\"/>r\u00e5n niv\u00e5 3 till niv\u00e5 2.<span class=\"__10 _469\"> </span>Kassa och tillgodoha<span class=\"__10 _d_9\"/>vanden hos centr<span class=\"__10 _471\"/>albanker<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>\u00e4rdering till verkligt v\u00e4rde a<span class=\"__10 _d_9\"/>v kontant<span class=\"__10 _471\"/>a medel g\u00f6rs utifr\u00e5n noter<span class=\"__10 _471\"/>ade priser (ojust<span class=\"__10 _471\"/>erade) p\u00e5 ak<span class=\"__10 _d_9\"/>tiva marknader f\u00f6r iden-<span class=\"__10 _469\"> </span>tiska tillg\u00e5ngar och h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s d\u00e4rf\u00f6r till niv\u00e5 1. <span class=\"__10 _479\"/>Tillgodohavan-<span class=\"__10 _469\"> </span>den hos centr<span class=\"__10 _d_9\"/>albanker anses, till f\u00f6ljd a<span class=\"__10 _d_9\"/>v deras kortfristiga natur<span class=\"__10 _d_9\"/>, vara detsamma som k<span class=\"__10 _d_9\"/>ontanta medel och h\u00e4n<span class=\"__10 _471\"/>f\u00f6rs d\u00e4rf\u00f6r ocks\u00e5 till niv\u00e5 1.<span class=\"__10 _469\"> </span>Utl\u00e5ning<span class=\"__10 _469\"> </span>Det verkliga v\u00e4r<span class=\"__10 _471\"/>det p\u00e5 \u201dUtl\u00e5ning till centr<span class=\"__10 _d_9\"/>albanker<span class=\"__10 _1d_6\"/>\u201d<span class=\"__10 _479\"/>, \u201dUtl\u00e5ning till kreditinstitut\u201d och \u201dUtl\u00e5ning till allm\u00e4nheten\u201d har ber\u00e4k<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>nats genom att disk<span class=\"__10 _471\"/>onter<span class=\"__10 _d_9\"/>a de f\u00f6rv\u00e4ntade fr<span class=\"__10 _d_9\"/>amtida kassafl\u00f6-<span class=\"__10 _469\"> </span>dena med en antagen k<span class=\"__10 _471\"/>undr\u00e4n<span class=\"__10 _471\"/>ta som skulle ha an<span class=\"__10 _471\"/>v\u00e4n<span class=\"__10 _471\"/>ts p\u00e5 marknaden om l\u00e5nen hade emittera<span class=\"__10 _471\"/>ts vid v\u00e4rderings<span class=\"__10 _471\"/>tidpunk-<span class=\"__10 _469\"> </span>ten. Den antagna k<span class=\"__10 _d_9\"/>undr\u00e4ntan ber\u00e4knas som r<span class=\"__10 _d_9\"/>eferensr\u00e4n<span class=\"__10 _471\"/>tan plus den genomsnittliga marginalen p\u00e5 nyutl\u00e5ning i P<span class=\"__10 _d_9\"/>ersonal Banking, Business Banking respek<span class=\"__10 _d_9\"/>tive Large Corporat<span class=\"__10 _471\"/>es &amp; Institutions.<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>\u00e4rderingen till verkligt v\u00e4rde har h\u00e4n<span class=\"__10 _471\"/>f\u00f6rts till niv\u00e5 3 i hie-<span class=\"__10 _469\"> </span>rarkin f<span class=\"__10 _471\"/>\u00f6r verkligt v\u00e4r<span class=\"__10 _d_9\"/>de.<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _d_9\"/>ande v\u00e4rdepapper<span class=\"__10 _469\"> </span>Det verkliga v\u00e4r<span class=\"__10 _471\"/><span class=\"__10 _469\">det uppg\u00e5r till 3 448 mn euro (3 560 mn </span>euro), v<span class=\"__10 _471\"/>ara<span class=\"__10 _d_9\"/><span class=\"__10 _469\">v 2 286 mn euro (2 154 mn euro) har h\u00e4nf</span><span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>ts till <span class=\"__10 _469\">niv\u00e5 2 och 1 162 mn euro (1 406 mn eur</span><span class=\"__10 _471\"/>o) till niv\u00e5 3 i hier<span class=\"__10 _d_9\"/>arkin f\u00f6r v<span class=\"__10 _471\"/>erkligt v\u00e4rde. V<span class=\"__10 _479\"/>\u00e4rderingsprinciperna \u00e4r desamma som f\u00f6r liknande instrument s<span class=\"__10 _471\"/>om redovisas till v<span class=\"__10 _471\"/>erkligt v\u00e4rde i balansr\u00e4kningen.<span class=\"__10 _469\"> </span>\u00d6vriga tillg\u00e5ngar samt f<span class=\"__10 _d_9\"/>\u00f6rutbetalda kostnader och upplupna in<span class=\"__10 _d_9\"/>t\u00e4kter<span class=\"__10 _469\"> </span>Balansposterna \u201d\u00d6vriga tillg\u00e5ngar\u201d och \u201dF\u00f6rutbetalda kostna<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>der och upplupna int\u00e4k<span class=\"__10 _d_9\"/>ter<span class=\"__10 _c_9\"/>\u201d utg\u00f6rs av kortfristiga f<span class=\"__10 _d_9\"/>ordringar<span class=\"__10 _d_9\"/>. Det verkliga v\u00e4r<span class=\"__10 _471\"/>det anses d\u00e4rf\u00f6r v<span class=\"__10 _471\"/>ara detsamma som det redovisade v<span class=\"__10 _471\"/>\u00e4rdet och har h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>ts till niv\u00e5 3 i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4r<span class=\"__10 _471\"/>de.<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar och skulder som int<span class=\"__10 _d_9\"/>e redovisas till verkligt v\u00e4rde i balansr<span class=\"__10 _d_9\"/>\u00e4kningen<span class=\"__10 _469\"> </span>31 dec 2022<span class=\"__10 _d4_3\"> </span>31 dec 2021<span class=\"__10 _469\"> </span>Mn euro<span class=\"__10 _469\"> </span>Redovisat v\u00e4rde<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt <span class=\"__10 _2b_4\"/> v\u00e4rde<span class=\"__10 _469\"> </span>Redovisat v\u00e4rde<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt <span class=\"__10 _2b_4\"/> v\u00e4rde<span class=\"__10 _469\"> </span>Niv\u00e5 i hierarkin f\u00f6r verkligt <span class=\"__10 _469\">v\u00e4rde2<span class=\"__10 _469\"> </span></span>Tillg\u00e5ngar som inte r<span class=\"__10 _471\"/>edovisas till verkligt v\u00e4r<span class=\"__10 _471\"/>de i balansr\u00e4kningen<span class=\"__10 _469\"> </span>Kassa och tillgodoha<span class=\"__10 _471\"/>vanden hos cen<span class=\"__10 _471\"/>tralbanker<span class=\"__10 _566\"> </span>61 815<span class=\"__10 _8c_2\"> </span>61 815<span class=\"__10 _3e_4\"> </span>47 495<span class=\"__10 _537\"> </span>47 495<span class=\"__10 _576\"> </span>1<span class=\"__10 _469\"> </span>Utl\u00e5ning<span class=\"__10 _577\"> </span>275 837<span class=\"__10 _548\"> </span>276 984<span class=\"__10 _a2_2\"> </span>271 605<span class=\"__10 _b2_3\"> </span>273 610<span class=\"__10 _d0_2\"> </span>3<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/>ande v\u00e4rdepapper<span class=\"__10 _578\"> </span>3 660<span class=\"__10 _555\"> </span>3 448<span class=\"__10 _555\"> </span>3 448<span class=\"__10 _521\"> </span>3 560<span class=\"__10 _b9_3\"> </span>2,3<span class=\"__10 _469\"> </span>\u00d6vriga tillg\u00e5ngar<span class=\"__10 _579\"> </span>2 261<span class=\"__10 _c0_3\"> </span>2 261<span class=\"__10 _10a_2\"> </span> 829<span class=\"__10 _b3_2\"> </span> 829<span class=\"__10 _10b_2\"> </span>3<span class=\"__10 _469\"> </span>F\u00f6rutbetalda k<span class=\"__10 _471\"/>ostnader och upplupna int<span class=\"__10 _471\"/>\u00e4kter<span class=\"__10 _10c_2\"> </span>475<span class=\"__10 _d7_2\"> </span>475<span class=\"__10 _507\"> </span> 609<span class=\"__10 _507\"> </span> 609<span class=\"__10 _10b_2\"> </span>3<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _577\"> </span>344 048<span class=\"__10 _be_3\"> </span>344 983<span class=\"__10 _547\"> </span>32<span class=\"__10 _c_9\"/>3 986<span class=\"__10 _b2_3\"> </span>326 103<span class=\"__10 _469\"> </span>Skulder som int<span class=\"__10 _471\"/>e redovisas till verkligt v<span class=\"__10 _471\"/>\u00e4rde i balansr\u00e4kningen<span class=\"__10 _469\"> </span>Inl\u00e5ning och skuldinstrumen<span class=\"__10 _471\"/>t<span class=\"__10 _10d_2\"> </span>364 951<span class=\"__10 _545\"> </span>364 961<span class=\"__10 _498\"> </span>352 117<span class=\"__10 _547\"> </span>35<span class=\"__10 _c_9\"/>2 809<span class=\"__10 _10b_2\"> </span>3<span class=\"__10 _469\"> </span><span class=\"__10 _469\">\u00d6vriga skulder1</span><span class=\"__10 _10e_2\"> </span>4 145<span class=\"__10 _3f_4\"> </span>4 145<span class=\"__10 _1c_6\"> </span>3 160<span class=\"__10 _3f_4\"> </span>3 160<span class=\"__10 _10b_2\"> </span>3<span class=\"__10 _469\"> </span>Upplupna kostnader och f<span class=\"__10 _d_9\"/>\u00f6rutbetalda int\u00e4kter<span class=\"__10 _f4_2\"> </span>7<span class=\"__10 _3a_5\"> </span>7<span class=\"__10 _9e_2\"> </span> 8<span class=\"__10 _10f_2\"> </span> 8<span class=\"__10 _10b_2\"> </span>3<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _580\"> </span>369 103<span class=\"__10 _518\"> </span>369 113<span class=\"__10 _545\"> </span>355 285<span class=\"__10 _b2_3\"> </span>355 977<span class=\"__10 _469\"> </span>1)  Leasingskulder presen<span class=\"__10 _471\"/>terade p\u00e5 raden \u201d\u00d6vriga skul<span class=\"__10 _471\"/>der<span class=\"__10 _c_9\"/>\u201d i not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d \u00e4r e<span class=\"__10 _d_9\"/>xkluderade i denna tabell.<span class=\"__10 _469\"> </span>2)  A<span class=\"__10 _d_9\"/>vser b\u00e5de 31 december 2022 och 31 december 2021.<span class=\"__10 _469\"> </span>135<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>K3.5 K<span class=\"__10 _d_9\"/>vittning<span class=\"__10 _469\"> </span>Redovisningsprinciper<span class=\"__10 _469\"> </span>Nordea kvittar \ufb01nansiella tillg\u00e5ngar och skulder i balansr<span class=\"__10 _d_9\"/>\u00e4k-<span class=\"__10 _469\"> </span>ningen om laglig r\u00e4tt till kvittning f<span class=\"__10 _d_9\"/>\u00f6religger och om avsik<span class=\"__10 _d_9\"/>ten \u00e4r att nettoregler<span class=\"__10 _d_9\"/>a posterna eller avyttr<span class=\"__10 _471\"/>a tillg\u00e5ngen samtidigt som skulden regler<span class=\"__10 _d_9\"/>as. Den lagstadgade r\u00e4tten till kvittning ska f\u00f6r<span class=\"__10 _471\"/>eligga b\u00e5de i den l\u00f6pande verksamheten och i h\u00e4ndel<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>se av f<span class=\"__10 _d_9\"/>allissemang, konkurs och insolvens hos Nor<span class=\"__10 _d_9\"/>dea eller dess motparter<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span>Finansiella instrument som kvitta<span class=\"__10 _d_9\"/>ts i balansr\u00e4kningen eller omfa<span class=\"__10 _d_9\"/>ttas av nettningsavt<span class=\"__10 _471\"/>al<span class=\"__10 _469\"> </span>Belopp som inte kvitta<span class=\"__10 _471\"/>ts men som omfa<span class=\"__10 _471\"/>ttas av ramavt<span class=\"__10 _471\"/>al f\u00f6r nettning eller liknande a<span class=\"__10 _d_9\"/>vtal<span class=\"__10 _469\"> </span>31 dec 2022, mn euro<span class=\"__10 _469\"> </span>Redovisade \ufb01nansiella <span class=\"__10 _469\">tillg\u00e5ngar1, </span>brutto<span class=\"__10 _469\"> </span>Redovisade \ufb01nansiella skulder<span class=\"__10 _d_9\"/>, brutto, som kvittats i balansr\u00e4kningen<span class=\"__10 _469\"> </span>Netto-<span class=\"__10 _469\"> </span>redovisat v<span class=\"__10 _471\"/>\u00e4rde i balans-<span class=\"__10 _469\"> </span><span class=\"__10 _469\">r\u00e4kningen2<span class=\"__10 _469\"> </span></span>Finansiella instrument<span class=\"__10 _469\"> </span>Erh\u00e5llna \ufb01nansiella s\u00e4kerheter Erh\u00e5llna kontant-<span class=\"__10 _469\"> </span>s\u00e4kerheter<span class=\"__10 _531\"> </span>Nettobelopp<span class=\"__10 _469\"> </span>Tillg\u00e5ngar<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/><span class=\"__10 _469\">t3</span><span class=\"__10 _fc_3\"> </span>211 529<span class=\"__10 _521\"> </span>-1<span class=\"__10 _471\"/>7<span class=\"__10 _d_9\"/>4 966<span class=\"__10 _512\"> </span>36 563<span class=\"__10 _4e_2\"> </span>-27 124<span class=\"__10 _ce_3\"> </span>\u2013<span class=\"__10 _cf_2\"> </span>-4 506<span class=\"__10 _7b_2\"> </span>4 933<span class=\"__10 _469\"> </span>Omv\u00e4nda \u00e5t<span class=\"__10 _471\"/>erk\u00f6psa<span class=\"__10 _471\"/>vtal<span class=\"__10 _c8_3\"> </span>25 271<span class=\"__10 _513\"> </span>-7 828<span class=\"__10 _cf_2\"> </span>17 443<span class=\"__10 _551\"> </span>\u2013<span class=\"__10 _cb_2\"> </span><span class=\"ls4_9 ws7_9\">-17 44<span class=\"__10 _c_9\"/>3<span class=\"__10 _581\"> </span></span>\u2013<span class=\"__10 _581\"> </span>0<span class=\"__10 _469\"> </span>A<span class=\"__10 _d_9\"/>vtal om inl\u00e5ning av v\u00e4rdepapper<span class=\"__10 _d1_2\"> </span>3 661<span class=\"__10 _576\"> </span>\u2013<span class=\"__10 _5e_2\"> </span>3 661<span class=\"__10 _581\"> </span>\u2013<span class=\"__10 _3f_4\"> </span>-3 661<span class=\"__10 _ce_3\"> </span>\u2013<span class=\"__10 _581\"> </span>0<span class=\"__10 _469\"> </span>Marginals\u00e4kerheter<span class=\"__10 _582\"> </span><span class=\"ls3_9 ws6_9\">4<span class=\"__10 _c_9\"/>24<span class=\"__10 _8a_2\"> </span>-<span class=\"__10 _c_9\"/>4<span class=\"__10 _c_9\"/>24<span class=\"__10 _551\"> </span></span>0<span class=\"__10 _581\"> </span>\u2013<span class=\"__10 _581\"> </span>\u2013<span class=\"__10 _581\"> </span>\u2013<span class=\"__10 _551\"> </span>0<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _583\"> </span>240 885<span class=\"__10 _555\"> </span>-183 218<span class=\"__10 _512\"> </span>57 667<span class=\"__10 _565\"> </span>-27 124<span class=\"__10 _537\"> </span>-21 104<span class=\"__10 _512\"> </span>-<span class=\"__10 _c_9\"/>4 506<span class=\"__10 _552\"> </span>4 933<span class=\"__10 _469\"> </span>Belopp som inte kvitta<span class=\"__10 _471\"/>ts men som omfa<span class=\"__10 _471\"/>ttas av ramavt<span class=\"__10 _471\"/>al f\u00f6r nettning eller liknande a<span class=\"__10 _d_9\"/>vtal<span class=\"__10 _469\"> </span>31 dec 2022, mn euro<span class=\"__10 _469\"> </span>Redovisade \ufb01nansiella <span class=\"__10 _469\">skulder1, </span>brutto<span class=\"__10 _469\"> </span>Redovisade \ufb01nansiella tillg\u00e5ngar<span class=\"__10 _d_9\"/>, brutto, som kvittats i balansr\u00e4kningen<span class=\"__10 _469\"> </span>Netto-<span class=\"__10 _469\"> </span>redovisat v<span class=\"__10 _471\"/>\u00e4rde i balans-<span class=\"__10 _469\"> </span><span class=\"__10 _469\">r\u00e4kningen2<span class=\"__10 _469\"> </span></span>Finansiella instrument<span class=\"__10 _469\"> </span>L\u00e4mnade \ufb01nansiella s\u00e4kerheter L\u00e4mnade kontant-<span class=\"__10 _469\"> </span>s\u00e4kerheter<span class=\"__10 _531\"> </span>Nettobelopp<span class=\"__10 _469\"> </span>Skulder<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/><span class=\"__10 _469\">t3</span><span class=\"__10 _584\"> </span>214 190<span class=\"__10 _521\"> </span>-17<span class=\"__10 _479\"/>4 083<span class=\"__10 _cf_2\"> </span>40 107<span class=\"__10 _8c_2\"> </span>-27 12<span class=\"__10 _471\"/>4<span class=\"__10 _ce_3\"> </span>\u2013<span class=\"__10 _505\"> </span>-5 969<span class=\"__10 _507\"> </span>7 014<span class=\"__10 _469\"> </span>\u00c5terk\u00f6psa<span class=\"__10 _471\"/>vtal<span class=\"__10 _585\"> </span>21 377<span class=\"__10 _513\"> </span>-<span class=\"__10 _d_9\"/>7 828<span class=\"__10 _505\"> </span>13 549<span class=\"__10 _581\"> </span>\u2013<span class=\"__10 _537\"> </span>-13 549<span class=\"__10 _581\"> </span>\u2013<span class=\"__10 _551\"> </span>0<span class=\"__10 _469\"> </span>A<span class=\"__10 _d_9\"/>vtal om utl\u00e5ning av v\u00e4rdepapper<span class=\"__10 _d1_2\"> </span>3 811<span class=\"__10 _586\"> </span>\u2013<span class=\"__10 _b3_2\"> </span>3 811<span class=\"__10 _581\"> </span>\u2013<span class=\"__10 _c0_3\"> </span>-3 811<span class=\"__10 _ce_3\"> </span>\u2013<span class=\"__10 _551\"> </span>0<span class=\"__10 _469\"> </span>Marginals\u00e4kerheter<span class=\"__10 _587\"> </span>1 307<span class=\"__10 _b8_2\"> </span>-<span class=\"__10 _471\"/>1 307<span class=\"__10 _581\"> </span>0<span class=\"__10 _581\"> </span>\u2013<span class=\"__10 _581\"> </span>\u2013<span class=\"__10 _581\"> </span>\u2013<span class=\"__10 _551\"> </span>0<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _583\"> </span>240 685<span class=\"__10 _521\"> </span>-<span class=\"__10 _471\"/>183 218<span class=\"__10 _512\"> </span>57 467<span class=\"__10 _cb_2\"> </span>-27 124<span class=\"__10 _3e_4\"> </span>-17 360<span class=\"__10 _cf_2\"> </span>-5 969<span class=\"__10 _5e_2\"> </span>7 014<span class=\"__10 _469\"> </span>1)   <span class=\"__10 _2b_4\"/>Alla belopp har v\u00e4rdera<span class=\"__10 _471\"/>ts till verkligt v\u00e4rde utom om<span class=\"__10 _471\"/>v\u00e4nda \u00e5terk\u00f6psa<span class=\"__10 _d_9\"/>vtal uppg\u00e5ende till 14 mn euro och \u00e5terk\u00f6psa<span class=\"__10 _471\"/>vtal uppg\u00e5ende till 257 mn euro som v\u00e4rder<span class=\"__10 _d_9\"/>ats till upplupet <span class=\"__10 _469\">anskaffningsv\u00e4rde.<span class=\"__10 _469\"> </span></span>2)   <span class=\"__10 _2b_4\"/>Omv\u00e4nda \u00e5terk\u00f6psa<span class=\"__10 _d_9\"/>vtal och avtal om inl\u00e5ning av v\u00e4rdepapper har i balansr<span class=\"__10 _d_9\"/>\u00e4kningen klassi\ufb01cerats som \u201dUtl\u00e5ning till centralbanker\u201d<span class=\"__10 _d_9\"/>, \u201dUtl\u00e5ning till kreditinstitut\u201d eller \u201dUtl\u00e5ning till allm\u00e4nheten\u201d<span class=\"__10 _d_9\"/>. \u00c5terk\u00f6psa<span class=\"__10 _471\"/>vtal och avtal om utl\u00e5ning a<span class=\"__10 _d_9\"/>v v\u00e4rdepapper har i balansr\u00e4kningen klassi\ufb01cerats som \u201dSkulder till kr<span class=\"__10 _d_9\"/>editinstitut<span class=\"__10 _c_9\"/>\u201d eller \u201dIn- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten\u201d<span class=\"__10 _d_9\"/>. 3)  Inklusive derivatinstrumen<span class=\"__10 _d_9\"/>t i placeringsportf\u00f6ljer samt fondf<span class=\"__10 _471\"/>\u00f6rs\u00e4kringsavtal.<span class=\"__10 _469\"> </span>Inl\u00e5ning och skuldinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _469\"> </span>Det verkliga v\u00e4r<span class=\"__10 _471\"/>det p\u00e5 balansr\u00e4kningspost<span class=\"__10 _471\"/>erna \u201dSkulder till kreditinstitut\u201d<span class=\"__10 _d_9\"/>, \u201dIn- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten\u201d<span class=\"__10 _479\"/>, \u201dEmit-<span class=\"__10 _469\"> </span>terade v<span class=\"__10 _471\"/>\u00e4rdepapper<span class=\"__10 _c_9\"/>\u201d och \u201dEfterst\u00e4llda sk<span class=\"__10 _471\"/>ulder<span class=\"__10 _c_9\"/>\u201d har ber\u00e4knats som det redovisade v<span class=\"__10 _d_9\"/>\u00e4rdet justerat f<span class=\"__10 _d_9\"/>\u00f6r f\u00f6r\u00e4ndringar i verkligt v\u00e4rde g\u00e4llande r<span class=\"__10 _471\"/>\u00e4nterisk och egen kr<span class=\"__10 _d_9\"/>editrisk<span class=\"__10 _c_9\"/>. Det verkliga v\u00e4r-<span class=\"__10 _469\"> </span>det har h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>ts till niv\u00e5 3 i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4rde. F<span class=\"__10 _471\"/>\u00f6r-<span class=\"__10 _469\"> </span>\u00e4ndringarna i verkligt v\u00e4r<span class=\"__10 _471\"/>de h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6rliga till r\u00e4nterisk baseras p\u00e5 f\u00f6r<span class=\"__10 _471\"/>\u00e4ndringar i ber\u00f6rda r<span class=\"__10 _471\"/>\u00e4ntor j\u00e4m<span class=\"__10 _d_9\"/>f\u00f6rt med motsvarande nominell r\u00e4n<span class=\"__10 _471\"/>ta i portf\u00f6ljerna. F<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringarna i verkligt v\u00e4rde h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6rliga till kreditrisk ber\u00e4knas som skillnaden mellan kre-<span class=\"__10 _469\"> </span>ditspreaden i de nominella r\u00e4n<span class=\"__10 _d_9\"/>torna och aktuell kreditspread p\u00e5 marknaden. Ber\u00e4kningen utf<span class=\"__10 _471\"/>\u00f6rs p\u00e5 aggregerad niv\u00e5 f<span class=\"__10 _d_9\"/>\u00f6r all l\u00e5ngfristig uppl\u00e5ning som r<span class=\"__10 _471\"/>edovisas under balanspost<span class=\"__10 _471\"/>erna \u201dEmitterade v<span class=\"__10 _471\"/>\u00e4rdepapper<span class=\"__10 _c_9\"/>\u201d och \u201dEfterst\u00e4llda sk<span class=\"__10 _471\"/>ulder<span class=\"__10 _c_9\"/>\u201d<span class=\"__10 _d_9\"/>. Efter-<span class=\"__10 _469\"> </span>som den avt<span class=\"__10 _471\"/>alade l\u00f6ptiden \u00e4r kort f<span class=\"__10 _471\"/>\u00f6r \u201dSkulder till kredit-<span class=\"__10 _469\"> </span>institut\u201d och \u201dIn- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten\u201d an<span class=\"__10 _471\"/>tas f\u00f6r-<span class=\"__10 _469\"> </span>\u00e4ndringarna i Nordeas egen kreditrisk h\u00e4n<span class=\"__10 _471\"/>f\u00f6rliga till dessa poster v<span class=\"__10 _471\"/>ara obetydliga. Detsamma g\u00e4ller k<span class=\"__10 _471\"/>ortfristig uppl\u00e5ning som redovisas under balanspos<span class=\"__10 _471\"/>terna \u201dEmitterade v<span class=\"__10 _d_9\"/>\u00e4rdepap-<span class=\"__10 _469\"> </span>per<span class=\"__10 _c_9\"/>\u201d och \u201dEfterst\u00e4llda skulder\u201d<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span>\u00d6vriga skulder sam<span class=\"__10 _471\"/>t upplupna kostnader och f\u00f6rutbetalda in<span class=\"__10 _d_9\"/>t\u00e4kter<span class=\"__10 _469\"> </span>Balansposterna \u201d\u00d6vriga skul<span class=\"__10 _471\"/>der<span class=\"__10 _c_9\"/>\u201d och \u201dUpplupna kostnader och f\u00f6rutbetalda in<span class=\"__10 _d_9\"/>t\u00e4kter<span class=\"__10 _c_9\"/>\u201d utg\u00f6rs av k<span class=\"__10 _471\"/>ortfristiga skulder<span class=\"__10 _479\"/>, huvudsakligen relater<span class=\"__10 _d_9\"/>ade till handlade v\u00e4rdepapper som \u00e4nnu inte r<span class=\"__10 _471\"/>eglerats. Det v<span class=\"__10 _d_9\"/>erkliga v\u00e4rdet anses d\u00e4rf\u00f6r var<span class=\"__10 _d_9\"/>a det-<span class=\"__10 _469\"> </span>samma som det redovisade v<span class=\"__10 _d_9\"/>\u00e4rdet och har h\u00e4nf\u00f6rts till niv\u00e5 3 i hierarkin f<span class=\"__10 _471\"/>\u00f6r verkligt v\u00e4r<span class=\"__10 _d_9\"/>de.<span class=\"__10 _469\"> </span>K3.<span class=\"__10 _471\"/>4  Verkligt v\u00e4rde, f<span class=\"__10 _471\"/>orts.<span class=\"__10 _469\"> </span>136<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>Belopp som inte kvitta<span class=\"__10 _471\"/>ts men som omfa<span class=\"__10 _471\"/>ttas av ramavt<span class=\"__10 _471\"/>al f\u00f6r nettning eller liknande a<span class=\"__10 _d_9\"/>vtal<span class=\"__10 _469\"> </span>31 dec 2021, mn euro<span class=\"__10 _469\"> </span>Redovisade \ufb01nansiella <span class=\"__10 _469\">tillg\u00e5ngar1, </span>brutto<span class=\"__10 _469\"> </span>Redovisade \ufb01nansiella skulder<span class=\"__10 _d_9\"/>, brutto, som kvittats i balansr\u00e4kningen<span class=\"__10 _469\"> </span>Netto-<span class=\"__10 _469\"> </span>redovisat v<span class=\"__10 _471\"/>\u00e4rde i balans-<span class=\"__10 _469\"> </span><span class=\"__10 _469\">r\u00e4kningen2<span class=\"__10 _469\"> </span></span>Finansiella instrument<span class=\"__10 _469\"> </span>Erh\u00e5llna \ufb01nansiella s\u00e4kerheter Erh\u00e5llna kontant-<span class=\"__10 _469\"> </span>s\u00e4kerheter<span class=\"__10 _531\"> </span>Nettobelopp<span class=\"__10 _469\"> </span>Tillg\u00e5ngar<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/><span class=\"__10 _469\">t3</span><span class=\"__10 _588\"> </span>93 939<span class=\"__10 _507\"> </span>-63 7<span class=\"__10 _d_9\"/>43<span class=\"__10 _cf_2\"> </span>30 196<span class=\"__10 _cb_2\"> </span>-21 687<span class=\"__10 _551\"> </span>_<span class=\"__10 _3f_4\"> </span>-6 591<span class=\"__10 _507\"> </span>1 918<span class=\"__10 _469\"> </span>Omv\u00e4nda \u00e5t<span class=\"__10 _471\"/>erk\u00f6psa<span class=\"__10 _471\"/>vtal<span class=\"__10 _589\"> </span>21 739<span class=\"__10 _b8_2\"> </span>-9 172<span class=\"__10 _555\"> </span>12 567<span class=\"__10 _b9_3\"> </span>_<span class=\"__10 _565\"> </span>-12 567<span class=\"__10 _551\"> </span>_<span class=\"__10 _504\"> </span> 0<span class=\"__10 _469\"> </span>A<span class=\"__10 _d_9\"/>vtal om inl\u00e5ning av v\u00e4rdepapper<span class=\"__10 _498\"> </span>4 798<span class=\"__10 _586\"> </span>_<span class=\"__10 _485\"> </span>4 798<span class=\"__10 _551\"> </span>_<span class=\"__10 _505\"> </span>-<span class=\"__10 _c_9\"/>4 798<span class=\"__10 _551\"> </span>_<span class=\"__10 _551\"> </span>0<span class=\"__10 _469\"> </span>Marginals\u00e4kerheter<span class=\"__10 _557\"> </span> 213<span class=\"__10 _504\"> </span>-<span class=\"__10 _471\"/>213<span class=\"__10 _581\"> </span>0<span class=\"__10 _581\"> </span>\u2013<span class=\"__10 _581\"> </span>\u2013<span class=\"__10 _581\"> </span>\u2013<span class=\"__10 _504\"> </span> 0<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _11a_3\"> </span>120 689<span class=\"__10 _b3_2\"> </span>-73 128<span class=\"__10 _512\"> </span>47 561<span class=\"__10 _cb_2\"> </span>-21 687<span class=\"__10 _537\"> </span>-17 365<span class=\"__10 _521\"> </span>-6 591<span class=\"__10 _5e_2\"> </span>1 918<span class=\"__10 _469\"> </span>Belopp som inte kvitta<span class=\"__10 _471\"/>ts men som omfa<span class=\"__10 _471\"/>ttas av ramavt<span class=\"__10 _471\"/>al f\u00f6r nettning eller liknande a<span class=\"__10 _d_9\"/>vtal<span class=\"__10 _469\"> </span>31 dec 2021, mn euro<span class=\"__10 _469\"> </span>Redovisade \ufb01nansiella <span class=\"__10 _469\">skulder1, </span>brutto<span class=\"__10 _469\"> </span>Redovisade \ufb01nansiella tillg\u00e5ngar<span class=\"__10 _d_9\"/>, brutto, som kvittats i balansr\u00e4kningen<span class=\"__10 _469\"> </span>Netto-<span class=\"__10 _469\"> </span>redovisat v<span class=\"__10 _471\"/>\u00e4rde i balans-<span class=\"__10 _469\"> </span><span class=\"__10 _469\">r\u00e4kningen2<span class=\"__10 _469\"> </span></span>Finansiella instrument<span class=\"__10 _469\"> </span>L\u00e4mnade \ufb01nansiella s\u00e4kerheter L\u00e4mnade kontant-<span class=\"__10 _469\"> </span>s\u00e4kerheter<span class=\"__10 _531\"> </span>Nettobelopp<span class=\"__10 _469\"> </span>Skulder<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/><span class=\"__10 _469\">t3</span><span class=\"__10 _11b_3\"> </span>93 016<span class=\"__10 _507\"> </span>-61 543<span class=\"__10 _555\"> </span>31 473<span class=\"__10 _565\"> </span>-21 687<span class=\"__10 _551\"> </span>_<span class=\"__10 _521\"> </span>-3 507<span class=\"__10 _7b_2\"> </span>6 279<span class=\"__10 _469\"> </span>\u00c5terk\u00f6psa<span class=\"__10 _471\"/>vtal<span class=\"__10 _11c_3\"> </span>12 890<span class=\"__10 _b8_2\"> </span>-9 1<span class=\"__10 _471\"/>72<span class=\"__10 _507\"> </span>3 718<span class=\"__10 _b9_3\"> </span>_<span class=\"__10 _3f_4\"> </span>-3 718<span class=\"__10 _551\"> </span>_<span class=\"__10 _3a_5\"> </span> 0<span class=\"__10 _469\"> </span>A<span class=\"__10 _d_9\"/>vtal om utl\u00e5ning av v\u00e4rdepapper<span class=\"__10 _498\"> </span>2 235<span class=\"__10 _b6_3\"> </span>_<span class=\"__10 _5e_2\"> </span>2 235<span class=\"__10 _551\"> </span>_<span class=\"__10 _3f_4\"> </span>-2 235<span class=\"__10 _551\"> </span>_<span class=\"__10 _504\"> </span> 0<span class=\"__10 _469\"> </span>Marginals\u00e4kerheter<span class=\"__10 _587\"> </span>2 413<span class=\"__10 _b8_2\"> </span>-<span class=\"__10 _d_9\"/>2 413<span class=\"__10 _551\"> </span>0<span class=\"__10 _b9_3\"> </span>_<span class=\"__10 _581\"> </span>_<span class=\"__10 _b9_3\"> </span>_<span class=\"__10 _504\"> </span> 0<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _11d_3\"> </span>110 554<span class=\"__10 _b3_2\"> </span>-73 128<span class=\"__10 _536\"> </span>37 4<span class=\"__10 _c_9\"/>26<span class=\"__10 _537\"> </span>-21 687<span class=\"__10 _555\"> </span>-5 953<span class=\"__10 _555\"> </span>-3 507<span class=\"__10 _485\"> </span>6 279<span class=\"__10 _469\"> </span>1)   <span class=\"__10 _2b_4\"/>Alla belopp har v\u00e4rdera<span class=\"__10 _471\"/>ts till verkligt v\u00e4rde.<span class=\"__10 _469\"> </span>2)   <span class=\"__10 _2b_4\"/>Omv\u00e4nda \u00e5terk\u00f6psa<span class=\"__10 _d_9\"/>vtal och avtal om inl\u00e5ning av v\u00e4rdepapper har i balansr<span class=\"__10 _d_9\"/>\u00e4kningen klassi\ufb01cerats som \u201dUtl\u00e5ning till centralbanker\u201d<span class=\"__10 _d_9\"/>, \u201dUtl\u00e5ning till kreditinstitut\u201d eller \u201dUtl\u00e5ning till allm\u00e4nheten\u201d<span class=\"__10 _d_9\"/>. \u00c5terk\u00f6psa<span class=\"__10 _471\"/>vtal och avtal om utl\u00e5ning a<span class=\"__10 _d_9\"/>v v\u00e4rdepapper har i balansr\u00e4kningen klassi\ufb01cerats som \u201dSkulder till kr<span class=\"__10 _d_9\"/>editinstitut<span class=\"__10 _c_9\"/>\u201d eller \u201dIn- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten\u201d<span class=\"__10 _d_9\"/>. 3)  Inklusive derivatinstrumen<span class=\"__10 _d_9\"/>t i placeringsportf\u00f6ljer samt fondf<span class=\"__10 _471\"/>\u00f6rs\u00e4kringsavtal.<span class=\"__10 _469\"> </span>K3.5  Kvittning, forts.<span class=\"__10 _469\"> </span>B\u00f6rsnoterade deriv<span class=\"__10 _471\"/>at redo<span class=\"__10 _471\"/>visas och avr<span class=\"__10 _d_9\"/>\u00e4knas normalt p\u00e5 dag-<span class=\"__10 _469\"> </span>lig basis n\u00e4r likvid betalas eller erh\u00e5lls och instrumen<span class=\"__10 _471\"/>tet juste-<span class=\"__10 _469\"> </span>ras till r\u00e5dande marknadsvillk<span class=\"__10 _471\"/>or<span class=\"__10 _d_9\"/>. Derivattillg\u00e5ngar<span class=\"__10 _479\"/>, derivat-<span class=\"__10 _469\"> </span>skulder<span class=\"__10 _d_9\"/>, kont<span class=\"__10 _471\"/>ants\u00e4kerhetsf<span class=\"__10 _d_9\"/>ordringar och kontan<span class=\"__10 _d_9\"/>ts\u00e4kerhets-<span class=\"__10 _469\"> </span>skulder gen<span class=\"__10 _471\"/>temot cen<span class=\"__10 _d_9\"/>trala motparter f\u00f6r clearing kvittas i balansr\u00e4kningen om det r\u00f6r sig om samma tr<span class=\"__10 _471\"/>ansaktionsv<span class=\"__10 _471\"/>a-<span class=\"__10 _469\"> </span>luta och samma cen<span class=\"__10 _d_9\"/>trala motpart f\u00f6r clearing. Derivattill<span class=\"__10 _d_9\"/>-<span class=\"__10 _469\"> </span>g\u00e5ngar<span class=\"__10 _d_9\"/>, derivatskulder<span class=\"__10 _479\"/>, kontants\u00e4k<span class=\"__10 _d_9\"/>erhetsfordringar och kon-<span class=\"__10 _469\"> </span>tants\u00e4k<span class=\"__10 _471\"/>erhetsskulder a<span class=\"__10 _d_9\"/>vseende bilaterala O<span class=\"__10 _d_9\"/>TC<span class=\"__10 _479\"/>-<span class=\"__10 _c_9\"/>derivat kvittas d\u00e4remot in<span class=\"__10 _d_9\"/>te i balansr\u00e4kningen.<span class=\"__10 _469\"> </span>Ut- och inl\u00e5ning i repor och omv<span class=\"__10 _471\"/>\u00e4nda repor som g\u00f6rs med centr<span class=\"__10 _d_9\"/>ala motparter kvittas i balansr\u00e4kningen om tillg\u00e5ngarna och skulderna a<span class=\"__10 _d_9\"/>vser samma centrala motpart, regleras i samma valuta och har samma l\u00f6p<span class=\"__10 _471\"/>tid. Ut- och inl\u00e5ning i repor<span class=\"__10 _469\"> </span>och omv\u00e4nda r<span class=\"__10 _471\"/>epor som g\u00f6rs i enlighet med ett s\u00e5 kallat Glo-<span class=\"__10 _469\"> </span>bal Master R<span class=\"__10 _471\"/>epurchase <span class=\"__10 _471\"/>Agreemen<span class=\"__10 _d_9\"/>t kvittas i balansr\u00e4kningen om tillg\u00e5ngarna och skulderna a<span class=\"__10 _d_9\"/>vser samma motpart<span class=\"__10 _c_9\"/>, regle-<span class=\"__10 _469\"> </span>ras i samma val<span class=\"__10 _471\"/>uta, har samma l\u00f6ptid och regler<span class=\"__10 _d_9\"/>as via samma institut. Finansiella instrument brutt<span class=\"__10 _d_9\"/>oredovisas i balansr\u00e4kningen men det inneb\u00e4r inte a<span class=\"__10 _d_9\"/>tt dessa instrument inte om<span class=\"__10 _d_9\"/>fattas a<span class=\"__10 _d_9\"/>v rama<span class=\"__10 _d_9\"/>vtal f\u00f6r nettning eller liknande avtal. Normalt om<span class=\"__10 _d_9\"/>fattas \ufb01nansiella instrument (<span class=\"__10 _d_9\"/>derivat, repor och v\u00e4rdepappersl\u00e5n) av r<span class=\"__10 _d_9\"/>amavtal f\u00f6r nettning, och Nor<span class=\"__10 _471\"/>dea kan d\u00e4rmed dra nytt<span class=\"__10 _471\"/>a av nettning i ber\u00e4kningen a<span class=\"__10 _d_9\"/>v motpartsrisk i h\u00e4ndelse av fallisse-<span class=\"__10 _469\"> </span>mang hos motparter<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span>En n\u00e4rmare beskrivning a<span class=\"__10 _d_9\"/>v motpartsrisk<span class=\"__10 _c_9\"/>, se avsnitt 3 \u201dMo<span class=\"__10 _d_9\"/>t-<span class=\"__10 _469\"> </span>partskreditrisk\u201d i not K11 \u201dRisk- och likvidit<span class=\"__10 _d_9\"/>etshantering\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>137<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>K3.6 S\u00e4kringsredovisning<span class=\"__10 _469\"> </span>Redovisningsprinciper<span class=\"__10 _469\"> </span> N\u00e4r ett s\u00e4kringsf\u00f6rh\u00e5llande uppfyll<span class=\"__10 _471\"/>er de angivna kriterierna<span class=\"__10 _469\"> </span> f\u00f6r s\u00e4kringsr<span class=\"__10 _471\"/>edovisning i IAS 39, anv<span class=\"__10 _471\"/>\u00e4nder Nordea en a<span class=\"__10 _d_9\"/>v f\u00f6l-<span class=\"__10 _469\"> </span>jande tre typer a<span class=\"__10 _471\"/>v s\u00e4kringsredovisning:<span class=\"__10 _469\"> </span> \u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">s\u00e4kring av v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span></span>\u2022 <span class=\"__10 _2d_4\"> </span>kassafl\u00f6dess\u00e4kring<span class=\"__10 _469\"> </span> \u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">s\u00e4kring av nett<span class=\"__10 _471\"/>oinves<span class=\"__10 _d_9\"/>teringar<span class=\"__10 _471\"/>.<span class=\"__10 _469\"> </span></span>Nordea har<span class=\"__10 _d_9\"/>, efter policybeslut i enlighet med IFRS 9, val<span class=\"__10 _d_9\"/>t att<span class=\"__10 _469\"> </span> forts\u00e4tta till\u00e4mpa s\u00e4kringsr<span class=\"__10 _471\"/>edovisning enligt EU:s \u201d<span class=\"__10 _479\"/>car<span class=\"__10 _c_9\"/>ve out\u201d-<span class=\"__10 _469\"> </span>version av IAS 39.<span class=\"__10 _469\"> </span> Enligt EU:s \u201d<span class=\"__10 _d_9\"/>carve out<span class=\"__10 _c_9\"/>\u201d-version av IAS 39 kan makr<span class=\"__10 _471\"/>os\u00e4kring<span class=\"__10 _469\"> </span> av v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde till ex<span class=\"__10 _471\"/>empel anv\u00e4ndas f<span class=\"__10 _d_9\"/>\u00f6r avistainl\u00e5ning<span class=\"__10 _469\"> </span> (j\u00e4mf<span class=\"__10 _471\"/>\u00f6r IAS 39 publicerad a<span class=\"__10 _d_9\"/><span class=\"__10 _469\">v IASB), och ineffektivit</span><span class=\"__10 _471\"/>et i sam-<span class=\"__10 _469\"> </span>band med s\u00e4kring av tillg\u00e5ngar med m\u00f6jlighet till f<span class=\"__10 _d_9\"/>\u00f6rtida<span class=\"__10 _469\"> </span> in <span class=\"__10 _558\"/>l\u00f6sen redovisas f\u00f6rs<span class=\"__10 _471\"/>t n\u00e4r den reviderade ber<span class=\"__10 _d_9\"/>\u00e4kningen av<span class=\"__10 _469\"> </span> kassafl\u00f6desbeloppet hamnar under den nedre skik<span class=\"__10 _d_9\"/>tgr\u00e4nsen.<span class=\"__10 _469\"> </span>F\u00f6r a<span class=\"__10 _471\"/>tt f\u00e5 till\u00e4mpa s\u00e4kringsr<span class=\"__10 _471\"/>edovisning kr\u00e4<span class=\"__10 _d_9\"/>vs att s\u00e4kringen<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">har en h\u00f6g effek</span><span class=\"__10 _d_9\"/>tivitet<span class=\"__10 _c_9\"/>. En s\u00e4kring anses ha detta om det vid<span class=\"__10 _469\"> </span> ing\u00e5ngen och under s\u00e4kringens hela l\u00f6ptid kan f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>v\u00e4ntas a<span class=\"__10 _d_9\"/>tt<span class=\"__10 _469\"> </span> f\u00f6r<span class=\"__10 _471\"/>\u00e4ndringar i verkligt v\u00e4r<span class=\"__10 _471\"/>de p\u00e5 den s\u00e4krade post<span class=\"__10 _471\"/>en, med<span class=\"__10 _469\"> </span> avseende p\u00e5 den s\u00e4kr<span class=\"__10 _d_9\"/>ade risken, v\u00e4sentligen neutr<span class=\"__10 _471\"/>aliseras a<span class=\"__10 _d_9\"/>v<span class=\"__10 _469\"> </span> f\u00f6r<span class=\"__10 _471\"/>\u00e4ndringar i verkligt v\u00e4r<span class=\"__10 _471\"/>de p\u00e5 s\u00e4kringsinstrumen<span class=\"__10 _471\"/>tet. Utfallet<span class=\"__10 _469\"> </span> ska ligga inom intervallet 80\u2013<span class=\"__10 _d_9\"/>12<span class=\"__10 _c_9\"/>5 procen<span class=\"__10 _471\"/>t.<span class=\"__10 _469\"> </span>T<span class=\"__10 _479\"/>ransaktioner som genom<span class=\"__10 _471\"/>f\u00f6rs i enlighet med Nordeas s\u00e4k<span class=\"__10 _d_9\"/>-<span class=\"__10 _469\"> </span>ringsm\u00e5l, men som inte uppfyller krit<span class=\"__10 _471\"/>erierna f\u00f6r s\u00e4kringsr<span class=\"__10 _471\"/>edo-<span class=\"__10 _469\"> </span>visning, \u00e4r ekonomiska s\u00e4kringsf<span class=\"__10 _471\"/>\u00f6rh\u00e5llanden.<span class=\"__10 _469\"> </span>S\u00e4kring av v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span>S\u00e4kring av v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde till\u00e4mpas n\u00e4r derivat anv<span class=\"__10 _d_9\"/>\u00e4nds f\u00f6r att<span class=\"__10 _469\"> </span> risks\u00e4kra f<span class=\"__10 _471\"/>\u00f6r\u00e4ndringar i verkligt v<span class=\"__10 _d_9\"/>\u00e4rde p\u00e5 en redovisad till-<span class=\"__10 _469\"> </span>g\u00e5ng eller skuld h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6rlig till en speci\ufb01k risk. S\u00e4kring av verk<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>ligt v\u00e4rde kan till\u00e4mpas p\u00e5 b\u00e5de mikr<span class=\"__10 _471\"/>oniv\u00e5 (enskilda tillg\u00e5ng-<span class=\"__10 _469\"> </span>ar/<span class=\"__10 _d_9\"/>skulder eller st\u00e4ngda portf\u00f6ljer a<span class=\"__10 _d_9\"/>v tillg\u00e5ngar/<span class=\"__10 _d_9\"/>skulder<span class=\"__10 _d_9\"/>, d\u00e4r<span class=\"__10 _469\"> </span> en eller flera post<span class=\"__10 _471\"/>er s\u00e4kras med hj\u00e4lp a<span class=\"__10 _d_9\"/>v ett eller flera s\u00e4k-<span class=\"__10 _469\"> </span>ringsinstrument), och makr<span class=\"__10 _d_9\"/>oniv\u00e5 (\u00f6ppna portf\u00f6ljer<span class=\"__10 _d_9\"/>, d\u00e4r grup-<span class=\"__10 _469\"> </span>per av pos<span class=\"__10 _d_9\"/>ter s\u00e4kras med hj\u00e4lp av flera s\u00e4kringsins<span class=\"__10 _d_9\"/>trument).<span class=\"__10 _469\"> </span>F\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndringar i verkligt v\u00e4rde p\u00e5 derivat (s\u00e4kringsins<span class=\"__10 _d_9\"/>tru-<span class=\"__10 _469\"> </span>ment) liksom f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i verkligt v\u00e4rde p\u00e5 den s\u00e4kr<span class=\"__10 _d_9\"/>ade<span class=\"__10 _469\"> </span> posten, h\u00e4n<span class=\"__10 _471\"/>f\u00f6rliga till de risk<span class=\"__10 _471\"/>er som s\u00e4kras, redo<span class=\"__10 _d_9\"/>visas separat i<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen under \u201dNettoresultat a<span class=\"__10 _d_9\"/>v poster till verkligt<span class=\"__10 _469\"> </span> v\u00e4rde\u201d<span class=\"__10 _479\"/><span class=\"__10 _469\">. Om s\u00e4kringen \u00e4r effek</span><span class=\"__10 _d_9\"/>tiv tar f\u00f6r\u00e4ndringen i verkligt<span class=\"__10 _469\"> </span> v\u00e4rde p\u00e5 den s\u00e4kr<span class=\"__10 _471\"/>ade posten re<span class=\"__10 _471\"/>spektiv<span class=\"__10 _471\"/>e s\u00e4kringsinstrumen<span class=\"__10 _471\"/>tet<span class=\"__10 _469\"> </span> ut varandr<span class=\"__10 _d_9\"/>a.<span class=\"__10 _469\"> </span>F\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndringarna i verkligt v\u00e4rde p\u00e5 den s\u00e4krade post<span class=\"__10 _471\"/>en,<span class=\"__10 _469\"> </span> h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6rliga till riskerna s\u00e4krade med derivatinstrumen<span class=\"__10 _d_9\"/>tet<span class=\"__10 _c_9\"/>,<span class=\"__10 _469\"> </span> avspeglas i en jus<span class=\"__10 _d_9\"/>tering av den s\u00e4krade post<span class=\"__10 _471\"/>ens redovisade<span class=\"__10 _469\"> </span> v\u00e4rde som ocks\u00e5 r<span class=\"__10 _471\"/>edovisas i resul<span class=\"__10 _471\"/>tatr<span class=\"__10 _471\"/>\u00e4kningen. F\u00f6r<span class=\"__10 _471\"/>\u00e4ndringen i<span class=\"__10 _469\"> </span> verkligt v\u00e4r<span class=\"__10 _471\"/>de p\u00e5 r\u00e4n<span class=\"__10 _471\"/>tes\u00e4krade pos<span class=\"__10 _471\"/>ter p\u00e5 makroniv<span class=\"__10 _471\"/>\u00e5, v\u00e4rde-<span class=\"__10 _469\"> </span><span class=\"__10 _469\">rade till upplupet anskaff</span><span class=\"__10 _d_9\"/>ningsv\u00e4rde, redovisas i balansr\u00e4k<span class=\"__10 _d_9\"/>-<span class=\"__10 _469\"> </span>ningen separera<span class=\"__10 _d_9\"/>t under posten \u201dF\u00f6r\u00e4ndring a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde<span class=\"__10 _469\"> </span> f\u00f6r r<span class=\"__10 _471\"/>\u00e4nte<span class=\"__10 _471\"/>s\u00e4krade post<span class=\"__10 _471\"/>er i s\u00e4kringsportf\u00f6ljer<span class=\"__10 _c_9\"/>\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>E<span class=\"__10 _471\"/>ventuell ine<span class=\"__10 _471\"/><span class=\"__10 _469\">ffek</span><span class=\"__10 _d_9\"/>tiv del av s\u00e4kringen redovisas i r<span class=\"__10 _471\"/>esultat-<span class=\"__10 _469\"> </span>r\u00e4kningen under post<span class=\"__10 _471\"/>en \u201dNettoresult<span class=\"__10 _471\"/>at a<span class=\"__10 _d_9\"/>v poster till verkligt<span class=\"__10 _469\"> </span> v\u00e4rde\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span> Om s\u00e4kringsf\u00f6rh\u00e5llandet in<span class=\"__10 _d_9\"/>te uppfyller krav<span class=\"__10 _d_9\"/>en f\u00f6r s\u00e4krings-<span class=\"__10 _469\"> </span>redovisning a<span class=\"__10 _d_9\"/>vslutas s\u00e4kringsredovisningen. S\u00e4kringsinstru-<span class=\"__10 _469\"> </span>mentet v<span class=\"__10 _d_9\"/>\u00e4rderas till verkligt v\u00e4rde via r<span class=\"__10 _471\"/>esulta<span class=\"__10 _471\"/>tr\u00e4kningen och<span class=\"__10 _469\"> </span> f\u00f6r<span class=\"__10 _471\"/>\u00e4ndringen i verkligt v\u00e4r<span class=\"__10 _471\"/>de p\u00e5 den s\u00e4krade post<span class=\"__10 _471\"/>en, fram till<span class=\"__10 _469\"> </span> den tidpunkt d\u00e5 s\u00e4kringsf<span class=\"__10 _d_9\"/>\u00f6rh\u00e5llandet avslutas, resul<span class=\"__10 _471\"/>tatf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s<span class=\"__10 _469\"> </span> linj\u00e4rt \u00f6ver den s\u00e4krade pos<span class=\"__10 _471\"/>tens \u00e5terst<span class=\"__10 _471\"/>\u00e5ende l\u00f6ptid.<span class=\"__10 _469\"> </span>Kassafl\u00f6dess\u00e4kring<span class=\"__10 _469\"> </span>Kassafl\u00f6dess\u00e4kring till\u00e4mpas f<span class=\"__10 _d_9\"/>\u00f6r s\u00e4kring av risk h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6rlig till<span class=\"__10 _469\"> </span> variationer i f<span class=\"__10 _471\"/>ram<span class=\"__10 _471\"/>tida kassafl\u00f6den. Den del a<span class=\"__10 _d_9\"/>v vinsten eller<span class=\"__10 _469\"> </span> f\u00f6rlus<span class=\"__10 _d_9\"/>ten p\u00e5 s\u00e4kringsinstrumentet som bed\u00f6ms v<span class=\"__10 _471\"/><span class=\"__10 _469\">ara en eff</span><span class=\"__10 _d_9\"/>ek-<span class=\"__10 _469\"> </span>tiv s\u00e4kring redovisas i \u00f6vrigt t<span class=\"__10 _d_9\"/>otalresultat och ack<span class=\"__10 _471\"/>umuleras i<span class=\"__10 _469\"> </span> reserven f<span class=\"__10 _471\"/>\u00f6r kassafl\u00f6dess\u00e4kringar under eget kapital. Den<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">ineffek</span><span class=\"__10 _d_9\"/>tiva delen av vinst<span class=\"__10 _d_9\"/>en eller f\u00f6rlusten p\u00e5 s\u00e4kringsins<span class=\"__10 _471\"/>tru-<span class=\"__10 _469\"> </span>mentet omklassi\ufb01c<span class=\"__10 _471\"/>eras till resul<span class=\"__10 _471\"/>tatr<span class=\"__10 _471\"/>\u00e4kningen under posten<span class=\"__10 _469\"> </span> \u201dNettoresult<span class=\"__10 _471\"/>at a<span class=\"__10 _d_9\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__10 _479\"/>. S\u00e4kringen bed\u00f6m<span class=\"__10 _469\"> </span>s <span class=\"__10 _469\">vara ineff</span><span class=\"__10 _d_9\"/>ektiv i den utstr\u00e4ckning s<span class=\"__10 _471\"/>om den ackumulerade f<span class=\"__10 _d_9\"/>\u00f6r-<span class=\"__10 _469\"> </span>\u00e4ndringen i verkligt v\u00e4r<span class=\"__10 _471\"/>de sedan s\u00e4kringen ingicks \u00e4r st\u00f6rr<span class=\"__10 _471\"/>e<span class=\"__10 _469\"> </span> f\u00f6r s\u00e4kringsins<span class=\"__10 _471\"/>trumentet \u00e4n f<span class=\"__10 _d_9\"/>\u00f6r den s\u00e4krade posten.<span class=\"__10 _469\"> </span>Vinster eller f<span class=\"__10 _d_9\"/>\u00f6rluster p\u00e5 s\u00e4kringsinstrumen<span class=\"__10 _471\"/>t som redovi-<span class=\"__10 _469\"> </span>sats i reserven f<span class=\"__10 _d_9\"/>\u00f6r kassafl\u00f6dess\u00e4kringar under eget kapital vi<span class=\"__10 _469\"> </span>a \u00f6vrigt tot<span class=\"__10 _471\"/>alresulta<span class=\"__10 _d_9\"/>t omklassi\ufb01ceras och redovisas i resul<span class=\"__10 _471\"/>tat-<span class=\"__10 _469\"> </span>r\u00e4kningen i samma period som den s\u00e4krade pos<span class=\"__10 _d_9\"/>ten p\u00e5verkar<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen, normalt i den period n\u00e4r r\u00e4ntein<span class=\"__10 _d_9\"/>t\u00e4kten elle<span class=\"__10 _469\"> </span>r r\u00e4n<span class=\"__10 _471\"/>tekostnaden r<span class=\"__10 _d_9\"/>edovisas.<span class=\"__10 _469\"> </span>En s\u00e4krad post i en kassa<span class=\"__10 _471\"/>fl\u00f6dess\u00e4kring kan var<span class=\"__10 _471\"/>a h\u00f6gst san-<span class=\"__10 _469\"> </span>nolika kassafl\u00f6den fr<span class=\"__10 _d_9\"/>\u00e5n redovisade, eller fram<span class=\"__10 _471\"/>tida, tillg\u00e5ngar<span class=\"__10 _469\"> </span> eller skulder<span class=\"__10 _d_9\"/>. Derivat som an<span class=\"__10 _d_9\"/>v\u00e4nds som s\u00e4kringsinstrument<span class=\"__10 _469\"> </span> v\u00e4rder<span class=\"__10 _471\"/>as alltid till verkligt v<span class=\"__10 _471\"/>\u00e4rde.<span class=\"__10 _469\"> </span> Om s\u00e4kringsf\u00f6rh\u00e5llandet in<span class=\"__10 _d_9\"/>te uppfyller krav<span class=\"__10 _d_9\"/>en f\u00f6r s\u00e4krings<span class=\"__10 _469\"> </span>-<span class=\"__10 _469\"> </span>redovisning a<span class=\"__10 _d_9\"/>vslutas s\u00e4kringsredovisningen. F<span class=\"__10 _471\"/>\u00f6r kassafl\u00f6-<span class=\"__10 _469\"> </span>dess\u00e4kringar redovisas f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i det orealiserade v\u00e4r<span class=\"__10 _d_9\"/>det<span class=\"__10 _469\"> </span> p\u00e5 s\u00e4kringsinstrument<span class=\"__10 _d_9\"/>et i resultatr\u00e4kningen fr<span class=\"__10 _d_9\"/>\u00e5n och med det<span class=\"__10 _469\"> </span> senaste tillf<span class=\"__10 _d_9\"/><span class=\"__10 _469\">\u00e4llet d\u00e5 s\u00e4kringen bed\u00f6mdes vara eff</span><span class=\"__10 _471\"/>ektiv<span class=\"__10 _479\"/>. Den<span class=\"__10 _469\"> </span> ackumulerade vins<span class=\"__10 _d_9\"/>ten eller f\u00f6rlusten p\u00e5 s\u00e4kringsins<span class=\"__10 _d_9\"/>trumentet<span class=\"__10 _469\"> </span>, som sedan den period d\u00e5 s\u00e4kringen bed\u00f6mdes var<span class=\"__10 _d_9\"/><span class=\"__10 _469\">a effektiv<span class=\"__10 _469\"> </span></span> har redovisa<span class=\"__10 _471\"/>ts i reserven f<span class=\"__10 _471\"/>\u00f6r kassafl\u00f6dess\u00e4kringar under eget<span class=\"__10 _469\"> </span> kapital via \u00f6vrigt to<span class=\"__10 _d_9\"/>talresultat, omklassi\ufb01ceras fr<span class=\"__10 _471\"/>\u00e5n eget kapi-<span class=\"__10 _469\"> </span>tal till \u201dNettoresul<span class=\"__10 _471\"/>tat a<span class=\"__10 _d_9\"/>v poster till verkligt v\u00e4rde\u201d i r<span class=\"__10 _d_9\"/>esultatr\u00e4k<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>ningen om den f\u00f6rv\u00e4n<span class=\"__10 _d_9\"/>tade transaktionen int<span class=\"__10 _d_9\"/>e l\u00e4ngre f\u00f6rv\u00e4n-<span class=\"__10 _469\"> </span>tas intr<span class=\"__10 _471\"/><span class=\"__10 _469\">\u00e4ff</span><span class=\"__10 _471\"/>a.<span class=\"__10 _469\"> </span> Om den f\u00f6rv\u00e4n<span class=\"__10 _d_9\"/>tade transaktionen int<span class=\"__10 _d_9\"/>e l\u00e4ngre \u00e4r h\u00f6gst san-<span class=\"__10 _469\"> </span>nolik, men \u00e4nd\u00e5 f\u00f6rv\u00e4nt<span class=\"__10 _471\"/>as intr<span class=\"__10 _471\"/><span class=\"__10 _469\">\u00e4ffa, s\u00e5 kv</span><span class=\"__10 _d_9\"/>ar<span class=\"__10 _c_9\"/>st\u00e5r den ack<span class=\"__10 _471\"/>umule-<span class=\"__10 _469\"> </span>rade vinst<span class=\"__10 _471\"/>en eller f\u00f6rlus<span class=\"__10 _d_9\"/>ten p\u00e5 s\u00e4kringsinstrumentet, som har<span class=\"__10 _469\"> </span> redovisa<span class=\"__10 _471\"/>ts under \u00f6vrigt tot<span class=\"__10 _471\"/>alresulta<span class=\"__10 _d_9\"/>t sedan den period d\u00e5 s\u00e4k-<span class=\"__10 _469\"> </span><span class=\"__10 _469\">ringen bed\u00f6mdes vara eff</span><span class=\"__10 _d_9\"/>ektiv<span class=\"__10 _d_9\"/>, i \u00f6vrigt totalr<span class=\"__10 _d_9\"/>esultat till dess<span class=\"__10 _469\"> </span> att transak<span class=\"__10 _d_9\"/><span class=\"__10 _469\">tionen intr\u00e4ff</span><span class=\"__10 _d_9\"/>ar eller inte l\u00e4ngre f<span class=\"__10 _471\"/>\u00f6rv\u00e4ntas in<span class=\"__10 _d_9\"/><span class=\"__10 _469\">tr\u00e4ffa.<span class=\"__10 _469\"> </span></span>S\u00e4kring av nett<span class=\"__10 _d_9\"/>oinvesteringar<span class=\"__10 _469\"> </span>S\u00e4kring av nett<span class=\"__10 _471\"/>oinves<span class=\"__10 _d_9\"/>teringar till\u00e4mpas f\u00f6r s\u00e4kring av v<span class=\"__10 _d_9\"/>aluta-<span class=\"__10 _469\"> </span>risk i nettoinve<span class=\"__10 _471\"/>steringar i utl\u00e4ndsk verksamhet. V<span class=\"__10 _d_9\"/>alutarisk<span class=\"__10 _469\"> </span> de\ufb01nieras som risken f<span class=\"__10 _d_9\"/>\u00f6r f\u00f6rlust h\u00e4n<span class=\"__10 _d_9\"/>f\u00f6rlig till inves<span class=\"__10 _471\"/>teringar i<span class=\"__10 _469\"> </span> utl\u00e4ndsk verksamhet som har en annan funk<span class=\"__10 _d_9\"/>tionell valuta \u00e4n<span class=\"__10 _469\"> </span> koncernens rapporteringsv<span class=\"__10 _471\"/>aluta.  V<span class=\"__10 _d_9\"/>alutakurskomponent<span class=\"__10 _d_9\"/>en i \ufb01nansiella instrument som<span class=\"__10 _469\"> </span> anv\u00e4nds som s\u00e4kringsins<span class=\"__10 _d_9\"/>trument i en s\u00e4kring av nettoin<span class=\"__10 _471\"/>vest<span class=\"__10 _471\"/>e<span class=\"__10 _469\"> </span>-<span class=\"__10 _469\"> </span>ring i ett koncern<span class=\"__10 _471\"/>f\u00f6r<span class=\"__10 _471\"/>etag redovisas, i den m\u00e5n s\u00e4kringen \u00e4r<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">effek</span><span class=\"__10 _d_9\"/>tiv<span class=\"__10 _471\"/>, under \u00f6vrigt to<span class=\"__10 _471\"/>talresulta<span class=\"__10 _d_9\"/>t<span class=\"__10 _c_9\"/>. Detta f\u00f6r att neutr<span class=\"__10 _d_9\"/>alisera<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">de omr\u00e4kningsdiff</span><span class=\"__10 _d_9\"/>erenser som p\u00e5verkar \u00f6<span class=\"__10 _d_9\"/>vrigt totalresulta<span class=\"__10 _471\"/>t<span class=\"__10 _469\"> </span> n\u00e4r koncern<span class=\"__10 _471\"/>f\u00f6r<span class=\"__10 _471\"/>etagen konsolideras, inkl<span class=\"__10 _471\"/>usive omv<span class=\"__10 _d_9\"/>\u00e4rderingen<span class=\"__10 _469\"> </span> av e<span class=\"__10 _471\"/>ventuella utvidgade nett<span class=\"__10 _471\"/>oinves<span class=\"__10 _d_9\"/>teringar<span class=\"__10 _471\"/>. E<span class=\"__10 _471\"/>ven<span class=\"__10 _471\"/><span class=\"__10 _469\">tuell ineffek</span><span class=\"__10 _d_9\"/>-<span class=\"__10 _469\"> </span>tiv del av s\u00e4kringen r<span class=\"__10 _471\"/>edovisas i resul<span class=\"__10 _471\"/>tatr<span class=\"__10 _471\"/>\u00e4kningen under \u201dNet-<span class=\"__10 _469\"> </span>toresult<span class=\"__10 _471\"/>at a<span class=\"__10 _d_9\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>Se \u00e4v<span class=\"__10 _d_9\"/>en not K1 \u201dRedovisningsprinciper<span class=\"__10 _c_9\"/>\u201d<span class=\"__10 _d_9\"/>, avsnitt<span class=\"__10 _471\"/>et \u201dOmr\u00e4k<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>ning av tillg\u00e5ngar och sk<span class=\"__10 _d_9\"/>ulder i utl\u00e4ndsk valuta<span class=\"__10 _469\"> </span>\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>138<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__10 _d_9\"/>ttningar<span class=\"__10 _469\"> </span> En viktig bed\u00f6mning i samband med redo<span class=\"__10 _d_9\"/>visning av kassafl\u00f6-<span class=\"__10 _469\"> </span>dess\u00e4kringar \u00e4r valet a<span class=\"__10 _d_9\"/>v metod f\u00f6r att tes<span class=\"__10 _d_9\"/><span class=\"__10 _469\">ta effektivit</span><span class=\"__10 _471\"/>eten.<span class=\"__10 _469\"> </span>De s\u00e4kringsinstrument s<span class=\"__10 _471\"/>om anv\u00e4nds n\u00e4r Nor<span class=\"__10 _471\"/>dea till\u00e4mpar<span class=\"__10 _469\"> </span> kassafl\u00f6dess\u00e4kring \u00e4r huvudsakligen val<span class=\"__10 _471\"/>utar\u00e4n<span class=\"__10 _d_9\"/>teswappar<span class=\"__10 _d_9\"/>,<span class=\"__10 _469\"> </span> vilka alltid redo<span class=\"__10 _471\"/>visas till verkligt v\u00e4r<span class=\"__10 _471\"/>de. V<span class=\"__10 _d_9\"/>alutakomponent<span class=\"__10 _471\"/>en<span class=\"__10 _469\"> </span> hanter<span class=\"__10 _d_9\"/>as som en kassafl\u00f6dess\u00e4kring av val<span class=\"__10 _d_9\"/>utarisk och r\u00e4nte-<span class=\"__10 _469\"> </span>komponent<span class=\"__10 _471\"/>en som en verklig v\u00e4r<span class=\"__10 _d_9\"/>des\u00e4kring av r\u00e4n<span class=\"__10 _471\"/>terisk. Vid<span class=\"__10 _469\"> </span> m\u00e4tningen a<span class=\"__10 _d_9\"/><span class=\"__10 _469\">v effektivitet</span><span class=\"__10 _471\"/>en i dessa kassafl\u00f6dess\u00e4kringar<span class=\"__10 _469\"> </span> anv\u00e4nds den h<span class=\"__10 _471\"/>ypotetiska deriv<span class=\"__10 _471\"/>atmetoden, vilk<span class=\"__10 _471\"/>et inneb\u00e4r att<span class=\"__10 _469\"> </span> f\u00f6r<span class=\"__10 _471\"/>\u00e4ndringen i en perfek<span class=\"__10 _d_9\"/>t hypotetisk swap anses mo<span class=\"__10 _471\"/>tsvara<span class=\"__10 _469\"> </span> nuv\u00e4rdet a<span class=\"__10 _d_9\"/>v den ackumulerade f\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndringen i f\u00f6rv\u00e4ntade<span class=\"__10 _469\"> </span> fram<span class=\"__10 _d_9\"/>tida kassafl\u00f6den f\u00f6r den s\u00e4krade tr<span class=\"__10 _471\"/>ansaktionen (v<span class=\"__10 _d_9\"/>aluta-<span class=\"__10 _469\"> </span>komponent<span class=\"__10 _471\"/>en). F<span class=\"__10 _d_9\"/>astst\u00e4llandet a<span class=\"__10 _471\"/>v egenskaper f\u00f6r den perf<span class=\"__10 _d_9\"/>ekta<span class=\"__10 _469\"> </span> hypotetisk<span class=\"__10 _471\"/>a swappen kr\u00e4<span class=\"__10 _d_9\"/>ver kritiska bed\u00f6mningar<span class=\"__10 _469\"> </span><span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span>Derivat s<span class=\"__10 _471\"/>om anv\u00e4nds f<span class=\"__10 _d_9\"/>\u00f6r s\u00e4kringredovisning<span class=\"__10 _469\"> </span>31 dec 2022, mn euro<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span>Nominellt   belopp<span class=\"__10 _11e_3\"/><span class=\"ls0_10 ws0_10\">Positivt<span class=\"__10 _522\"> </span>Negativt<span class=\"__10 _469\"> </span></span>S\u00e4kring av verkligt v<span class=\"__10 _d_9\"/><span class=\"__10 _469\">\u00e4rde1</span><span class=\"__10 _574\"> </span>4 899<span class=\"__10 _483\"> </span><span class=\"ls4_9 ws7_9\">7 514<span class=\"__10 _a5_3\"> </span></span>190 844<span class=\"__10 _469\"> </span><span class=\"__10 _469\">Kassafl\u00f6dess\u00e4kringar1</span><span class=\"__10 _e2_2\"> </span>1 466<span class=\"__10 _494\"> </span><span class=\"ls4_9 ws7_9\">251<span class=\"__10 _568\"> </span></span>18 738<span class=\"__10 _469\"> </span>S\u00e4kring av nettoin<span class=\"__10 _d_9\"/>vesteringar<span class=\"__10 _550\"> </span><span class=\"ls3_9 ws6_9\">241<span class=\"__10 _496\"> </span></span>200<span class=\"__10 _538\"> </span>3 565<span class=\"__10 _469\"> </span>Summa <span class=\"__10 _11f_3\"> </span>6 606<span class=\"__10 _514\"> </span>7 965<span class=\"__10 _510\"> </span>213 147<span class=\"__10 _469\"> </span>31 dec 2021, mn euro<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span>Nominellt<span class=\"ls0_10 ws0_10\"> </span>belopp<span class=\"__10 _590\"/><span class=\"ls0_10 ws0_10\">Positivt<span class=\"__10 _6c_2\"> </span>Negativt<span class=\"__10 _469\"> </span></span>S\u00e4kring av verkligt v<span class=\"__10 _d_9\"/><span class=\"__10 _469\">\u00e4rde1</span><span class=\"__10 _a1_2\"> </span>1 7<span class=\"__10 _c_9\"/>72<span class=\"__10 _bc_2\"> </span>1 062<span class=\"__10 _ab_2\"> </span>2<span class=\"__10 _c_9\"/>59 426<span class=\"__10 _469\"> </span><span class=\"__10 _469\">Kassafl\u00f6dess\u00e4kringar1</span><span class=\"__10 _e4_2\"> </span>481<span class=\"__10 _498\"> </span>503<span class=\"__10 _4a_2\"> </span>22 757<span class=\"__10 _469\"> </span>S\u00e4kring av nettoin<span class=\"__10 _d_9\"/>vesteringar<span class=\"__10 _503\"> </span>260<span class=\"__10 _494\"> </span>188<span class=\"__10 _538\"> </span>3 749<span class=\"__10 _469\"> </span>Summa <span class=\"__10 _591\"> </span>2 513<span class=\"__10 _bc_2\"> </span>1 753<span class=\"__10 _6c_2\"> </span>285 932<span class=\"__10 _469\"> </span>1)   <span class=\"__10 _2b_4\"/>Vissa valutar\u00e4ntes<span class=\"__10 _471\"/>wappar anv\u00e4nds som b\u00e5de s\u00e4kring a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde och kassa-<span class=\"__10 _469\"> </span>fl\u00f6dess\u00e4kringar<span class=\"__10 _d_9\"/>. De nominella v\u00e4rdena f\u00f6r dessa instrument har f<span class=\"__10 _d_9\"/>\u00f6rdelats p\u00e5 raderna<span class=\"__10 _469\"> </span> s\u00e4kring av verkligt v<span class=\"__10 _471\"/>\u00e4rde och kassafl\u00f6dess\u00e4kringar i tabellen ov<span class=\"__10 _d_9\"/>an baserat p\u00e5 de<span class=\"__10 _469\"> </span> relativa verkliga v<span class=\"__10 _d_9\"/>\u00e4rdena p\u00e5 dessa s\u00e4kringsinstrument. Det totala nominella v\u00e4rdet<span class=\"__10 _469\"> </span> p\u00e5 valutar\u00e4n<span class=\"__10 _d_9\"/>teswappar uppg\u00e5r per 31 december 2022 till 22 494 mn euro (27 932 mn<span class=\"__10 _469\"> </span> euro).<span class=\"__10 _469\"> </span>T<span class=\"__10 _479\"/>abellen ovan visar verkligt v<span class=\"__10 _471\"/>\u00e4rde liksom nominella belopp<span class=\"__10 _469\"> </span> f\u00f6r deriv<span class=\"__10 _471\"/>atinstrumen<span class=\"__10 _d_9\"/>t som anv\u00e4nds f\u00f6r s\u00e4kringsr<span class=\"__10 _d_9\"/>edovisning.<span class=\"__10 _469\"> </span> De nominella beloppen anger utest\u00e5ende tr<span class=\"__10 _d_9\"/>ansaktionsvolym<span class=\"__10 _469\"> </span> vid \u00e5rets slut och ger in<span class=\"__10 _471\"/>te n\u00e5gon indikation om v<span class=\"__10 _d_9\"/>are sig mark-<span class=\"__10 _469\"> </span>nadsrisk eller kreditrisk. V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde och nominellt belopp<span class=\"__10 _469\"> </span> f\u00f6r deriv<span class=\"__10 _471\"/>at i denna not a<span class=\"__10 _d_9\"/>vser fr\u00e5n och med 2022 deriva<span class=\"__10 _d_9\"/>tens<span class=\"__10 _469\"> </span> v\u00e4rde f<span class=\"__10 _d_9\"/>\u00f6re kvittning mellan tillg\u00e5ngar och skulder i balansr\u00e4k<span class=\"__10 _d_9\"/>-<span class=\"__10 _469\"> </span>ningen (bruttobelopp) och in<span class=\"__10 _d_9\"/>te som tidigare efter kvittning.<span class=\"__10 _469\"> </span> Sk\u00e4let \u00e4r att bruttobeloppet b\u00e4<span class=\"__10 _471\"/>ttre speglar e<span class=\"__10 _471\"/>xponeringen i<span class=\"__10 _469\"> </span> s\u00e4kringsinstrument<span class=\"__10 _d_9\"/>et<span class=\"__10 _c_9\"/>. J\u00e4mf\u00f6r<span class=\"__10 _471\"/><span class=\"__10 _469\">elsesiffrorna har r</span><span class=\"__10 _d_9\"/>\u00e4knats om p\u00e5<span class=\"__10 _469\"> </span> motsvar<span class=\"__10 _d_9\"/>ande s\u00e4tt<span class=\"__10 _c_9\"/>.<span class=\"__10 _469\"> </span>Riskhantering<span class=\"__10 _469\"> </span>Utifr\u00e5n sin riskhan<span class=\"__10 _d_9\"/>teringspolicy har Nordea identi\ufb01era<span class=\"__10 _471\"/>t ett<span class=\"__10 _469\"> </span> antal riskka<span class=\"__10 _d_9\"/>tegorier och motsvarande s\u00e4kringsstr<span class=\"__10 _d_9\"/>ategier med<span class=\"__10 _469\"> </span> hj\u00e4lp av deriv<span class=\"__10 _d_9\"/>atinstrument, enligt beskrivningen i avsnitt 4<span class=\"__10 _469\"> </span> \u201dMarknadsrisk\u201d i not K11 \u201dRisk<span class=\"__10 _471\"/>- och likviditetshant<span class=\"__10 _471\"/>ering\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span> Nordea<span class=\"ws0_10\"> klassi\ufb01cerar sin e<span class=\"__10 _d_9\"/>xponering f\u00f6r marknadsrisk som<span class=\"__10 _469\"> </span></span><span class=\"ws0_10\"> </span>antingen handelsportf\u00f6lj (handelslagr<span class=\"__10 _d_9\"/>et) eller icke-handels<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>portf\u00f6lj (\u00f6<span class=\"__10 _471\"/>vrig verksamhet), och dessa han<span class=\"__10 _471\"/>teras separ<span class=\"__10 _d_9\"/>at<span class=\"__10 _c_9\"/>.<span class=\"__10 _469\"> </span> Handelslagret utg\u00f6rs a<span class=\"__10 _471\"/>v alla \ufb01nansiella instrumen<span class=\"__10 _471\"/>t som<span class=\"__10 _469\"> </span> Nordea<span class=\"ws0_10\"> innehar i handelssyfte eller i syfte att risks\u00e4kra ins<span class=\"__10 _d_9\"/>tru<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></span>ment som innehas i handelssyfte. Ins<span class=\"__10 _471\"/>trument som innehas i<span class=\"__10 _469\"> </span> handelssyfte \u00e4r de som innehas kortfristigt f<span class=\"__10 _d_9\"/>\u00f6r senare f\u00f6rs\u00e4lj<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ning eller d\u00e4r avsik<span class=\"__10 _d_9\"/>ten \u00e4r att dra f<span class=\"__10 _471\"/>\u00f6rdel a<span class=\"__10 _d_9\"/>v faktiska eller f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>v\u00e4n<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>tade kortsiktiga skillnader i k\u00f6p- och s\u00e4ljkurser<span class=\"__10 _479\"/>, eller av andra<span class=\"__10 _469\"> </span> kurs- eller r\u00e4n<span class=\"__10 _471\"/>tef<span class=\"__10 _471\"/>\u00f6r\u00e4ndringar<span class=\"__10 _479\"/>.<span class=\"__10 _c_9\"/> \u00d6vrig verksamhet innef<span class=\"__10 _471\"/>attar alla inneha<span class=\"__10 _d_9\"/>v utanf\u00f6r handels<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>lagret. Alla s\u00e4kringar som uppfyller kriterierna f<span class=\"__10 _d_9\"/>\u00f6r s\u00e4kringsre<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>dovisning hant<span class=\"__10 _d_9\"/>eras som instrument inom \u00f6vrig v<span class=\"__10 _d_9\"/>erksamhet<span class=\"__10 _c_9\"/>.<span class=\"__10 _469\"> </span> S\u00e4kringsinstrument<span class=\"__10 _d_9\"/>en och de s\u00e4krade riskerna beskrivs n\u00e4r<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>mare nedan, per risk och typ a<span class=\"__10 _471\"/>v s\u00e4kringsredovisning<span class=\"__10 _469\"> </span>N\u00e4r s\u00e4kringen ing\u00e5s dokument<span class=\"__10 _d_9\"/>erar <span class=\"wsd_9\">Nordea</span> formellt hur s\u00e4k<span class=\"__10 _d_9\"/><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ringsf\u00f6rh\u00e5llandet uppfyll<span class=\"__10 _471\"/>er kriterierna f\u00f6r s\u00e4kringsr<span class=\"__10 _d_9\"/>edovisning,<span class=\"__10 _469\"> </span> inklusive det ekonomiska f<span class=\"__10 _d_9\"/>\u00f6rh\u00e5llandet mellan den s\u00e4krade<span class=\"__10 _469\"> </span> posten och s\u00e4kringsinstrumen<span class=\"__10 _d_9\"/>tet<span class=\"__10 _c_9\"/>, bland annat risk<span class=\"__10 _d_9\"/>typ, riskhan<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>teringsm\u00e5l och str<span class=\"__10 _471\"/>ategi f<span class=\"__10 _d_9\"/>\u00f6r risks\u00e4kringen, samt vilken metod<span class=\"__10 _469\"> </span> som har anv\u00e4n<span class=\"__10 _d_9\"/>ts f\u00f6r att f<span class=\"__10 _d_9\"/>or<span class=\"__10 _c_9\"/>tl\u00f6pande bed\u00f6ma s\u00e4kringsf\u00f6rh\u00e5llan<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span><span class=\"__10 _469\">dets effek</span><span class=\"__10 _471\"/>tivitet.  R\u00e4nterisk<span class=\"__10 _469\"> </span><span class=\"__10 _469\">Nordeas huvudsakliga aff</span><span class=\"__10 _d_9\"/>\u00e4r<span class=\"__10 _c_9\"/>smodell g\u00e5r ut p\u00e5 att anv<span class=\"__10 _471\"/>\u00e4nda<span class=\"__10 _469\"> </span> bankens inl\u00e5ning till att erbjuda sina k<span class=\"__10 _471\"/>under l\u00e5n och andra<span class=\"__10 _469\"> </span> \ufb01nansieringsprodukt<span class=\"__10 _d_9\"/>er och skuldinstrument. R\u00e4nterisk \u00e4r den<span class=\"__10 _469\"> </span> inverkan som r<span class=\"__10 _d_9\"/>\u00e4ntef\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndringar kan f\u00e5 p\u00e5 Nordeas margina-<span class=\"__10 _469\"> </span>ler<span class=\"__10 _d_9\"/>, resultat och eget kapit<span class=\"__10 _471\"/>al. R\u00e4nterisk uppst<span class=\"__10 _471\"/>\u00e5r genom bris-<span class=\"__10 _469\"> </span>tande \u00f6ver<span class=\"__10 _471\"/>ensst\u00e4mmelse mellan r<span class=\"__10 _471\"/>\u00e4nteb\u00e4r<span class=\"__10 _d_9\"/>ande tillg\u00e5ngar och<span class=\"__10 _469\"> </span> r\u00e4n<span class=\"__10 _471\"/>teb\u00e4rande skul<span class=\"__10 _471\"/>der<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span> Som en del i Nordeas riskhant<span class=\"__10 _471\"/>eringsstra<span class=\"__10 _d_9\"/>tegi har styrelsen<span class=\"__10 _469\"> </span> fas<span class=\"__10 _471\"/>tst\u00e4llt limit<span class=\"__10 _471\"/>er g\u00e4llande r\u00e4n<span class=\"__10 _471\"/>tek\u00e4nslighet och r\u00e4n<span class=\"__10 _d_9\"/>teskillnader<span class=\"__10 _469\"> </span> inom \u00f6vrig verksamhet. Dessa limiter \u00f6v<span class=\"__10 _471\"/>erensst\u00e4mmer med<span class=\"__10 _469\"> </span> Nordeas riskt<span class=\"__10 _d_9\"/>olerans, och Nordea anpassar sina m\u00e5l med<span class=\"__10 _469\"> </span>  <span class=\"__10 _558\"/>s\u00e4kringsredovisningen f\u00f6r a<span class=\"__10 _471\"/>tt h\u00e5lla exponeringarna inom<span class=\"__10 _469\"> </span> dessa limiter<span class=\"__10 _d_9\"/>. Nordea har som policy att \u00f6<span class=\"__10 _471\"/>vervaka positioner<span class=\"__10 _469\"> </span> p\u00e5  <span class=\"__10 _558\"/>daglig basis. F\u00f6r ytterligare in<span class=\"__10 _d_9\"/>formation om m\u00e4tning a<span class=\"__10 _d_9\"/>v<span class=\"__10 _469\"> </span>  <span class=\"__10 _558\"/>risker<span class=\"__10 _d_9\"/>, se avsnitt 4 \u201dMarknadsrisk\u201d i not K11 \u201dRisk<span class=\"__10 _d_9\"/>- och<span class=\"__10 _469\"> </span> likviditets       hant<span class=\"__10 _471\"/>ering\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>F\u00f6r s\u00e4kringsf<span class=\"__10 _d_9\"/>\u00f6rh\u00e5llanden g\u00e4llande r\u00e4nterisk \u00e4r det risken f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _469\"> </span> en f\u00f6r<span class=\"__10 _471\"/>\u00e4ndring i verkligt v\u00e4r<span class=\"__10 _d_9\"/>de p\u00e5 den s\u00e4krade posten till f\u00f6ljd a<span class=\"__10 _d_9\"/>v<span class=\"__10 _469\"> </span> f\u00f6r<span class=\"__10 _471\"/>\u00e4ndringar i ref<span class=\"__10 _d_9\"/>erensr\u00e4ntan som s\u00e4kr<span class=\"__10 _471\"/>as. S\u00e4kringskvoten upp<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>n\u00e5s genom att matcha deriv<span class=\"__10 _d_9\"/>atinstrumentens nominella belopp<span class=\"__10 _469\"> </span> mot kapitalbeloppet i den s\u00e4kr<span class=\"__10 _471\"/>ade posten.<span class=\"__10 _469\"> </span>I syfte att s\u00e4kra och d\u00e4rigenom han<span class=\"__10 _d_9\"/>tera risken och begr\u00e4nsa<span class=\"__10 _469\"> </span> inverkan p\u00e5 <span class=\"wsd_9\">Nor<span class=\"__10 _471\"/>dea<span class=\"ws0_10\">s marginaler<span class=\"__10 _d_9\"/>, resulta<span class=\"__10 _d_9\"/>t och eget kapital<span class=\"__10 _c_9\"/>,<span class=\"__10 _469\"> </span></span></span><span class=\"wsd_9\"><span class=\"ws0_10\"> </span></span>anv\u00e4nder <span class=\"__10 _471\"/>Nordea<span class=\"ws0_10\"> s\u00e4kringsinstrumen<span class=\"__10 _d_9\"/>t f\u00f6r att byta r<span class=\"__10 _d_9\"/>\u00e4ntefl\u00f6den<span class=\"__10 _469\"> </span></span><span class=\"ws0_10\"> </span>till antingen f<span class=\"__10 _d_9\"/>asta eller r\u00f6rliga r\u00e4nt<span class=\"__10 _d_9\"/>or. De riskkomponent<span class=\"__10 _471\"/>er i s\u00e4krade post<span class=\"__10 _471\"/>er som koncernen har<span class=\"__10 _469\"> </span> identi\ufb01er<span class=\"__10 _471\"/>at \u00e4r:<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Ref<span class=\"__10 _d_9\"/>erensr\u00e4nterisk som en del a<span class=\"__10 _d_9\"/>v r\u00e4nterisken, det vill s\u00e4ga<span class=\"__10 _469\"> </span></span><span class=\"wsa_9\"> </span>interbankr<span class=\"__10 _d_9\"/>\u00e4ntor (IBOR) som \u00e4v<span class=\"__10 _d_9\"/>en innefattar ny<span class=\"__10 _471\"/>a alternativ<span class=\"__10 _d_9\"/>a<span class=\"__10 _469\"> </span> ref<span class=\"__10 _471\"/>erensr\u00e4n<span class=\"__10 _d_9\"/>tor s\u00e5som SOFR, ESTR eller SONIA. Anv\u00e4ndning<span class=\"__10 _469\"> </span> av r<span class=\"__10 _471\"/>efer<span class=\"__10 _d_9\"/>ensr\u00e4nterisken kan inneb\u00e4r<span class=\"__10 _471\"/>a att andra risk<span class=\"__10 _471\"/>er<span class=\"__10 _d_9\"/>, till<span class=\"__10 _469\"> </span> ex<span class=\"__10 _d_9\"/>empel kreditrisk och likviditetsrisk, undantas fr\u00e5n<span class=\"__10 _469\"> </span> s\u00e4kringsf\u00f6rh\u00e5llandet.<span class=\"__10 _469\"> </span> \u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Delar av kassa<span class=\"__10 _d_9\"/>fl\u00f6den fr\u00e5n s\u00e4krade poster<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span></span>Ref<span class=\"__10 _d_9\"/>erensr\u00e4ntan f<span class=\"__10 _d_9\"/>astst\u00e4lls som en f\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndring i nuv\u00e4rdet av det<span class=\"__10 _469\"> </span> fram<span class=\"__10 _d_9\"/>tida kassafl\u00f6det<span class=\"__10 _c_9\"/>, ber\u00e4knad med hj\u00e4lp a<span class=\"__10 _d_9\"/>v referensr<span class=\"__10 _471\"/>\u00e4ntans<span class=\"__10 _469\"> </span> diskont<span class=\"__10 _471\"/>eringskurvor<span class=\"__10 _d_9\"/>. Ref<span class=\"__10 _d_9\"/>erensr\u00e4ntan kan iden<span class=\"__10 _d_9\"/>ti\ufb01eras separat<span class=\"__10 _469\"> </span> och v\u00e4rder<span class=\"__10 _471\"/>as p\u00e5 ett tillf\u00f6rlitligt s\u00e4<span class=\"__10 _d_9\"/>tt<span class=\"__10 _c_9\"/>, och den utg\u00f6r normalt<span class=\"__10 _469\"> </span> den st\u00f6rsta delen a<span class=\"__10 _d_9\"/>v f\u00f6r\u00e4ndringen i v<span class=\"__10 _471\"/>erkligt v\u00e4rde eller<span class=\"__10 _469\"> </span> kassafl\u00f6de.<span class=\"__10 _469\"> </span>S\u00e4kring av v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde<span class=\"ff4_9\"> </span>Nordea anv<span class=\"__10 _471\"/>\u00e4nder sig av r<span class=\"__10 _d_9\"/>\u00e4nte- och valutar<span class=\"__10 _471\"/>\u00e4nte<span class=\"__10 _471\"/>swappar f<span class=\"__10 _d_9\"/>\u00f6r att<span class=\"__10 _469\"> </span> minska eller eliminera f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i verkligt v\u00e4rde p\u00e5 den<span class=\"__10 _469\"> </span> s\u00e4krade post<span class=\"__10 _471\"/>en till f\u00f6ljd a<span class=\"__10 _d_9\"/>v r\u00e4nterisk.<span class=\"__10 _469\"> </span>S\u00e4krade post<span class=\"__10 _471\"/>er utg\u00f6rs av tillg\u00e5ngar och sk<span class=\"__10 _d_9\"/>ulder med fast<span class=\"__10 _469\"> </span> r\u00e4n<span class=\"__10 _471\"/>ta i b\u00e5de lokal och utl\u00e4ndsk valut<span class=\"__10 _471\"/>a, till ex<span class=\"__10 _d_9\"/>empel l\u00e5n, skuld-<span class=\"__10 _469\"> </span>K3.6  S\u00e4kringsredovisning, forts.<span class=\"__10 _469\"> </span>139<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>instrument v<span class=\"__10 _d_9\"/>\u00e4rderade till verkligt v\u00e4rde via \u00f6<span class=\"__10 _d_9\"/>vrigt totalresul-<span class=\"__10 _469\"> </span>tat, inl\u00e5ning och emitterade v\u00e4r<span class=\"__10 _d_9\"/>depapper.<span class=\"__10 _469\"> </span> S\u00e4kringsinstrument ut<span class=\"__10 _d_9\"/>g\u00f6r<span class=\"__10 _c_9\"/>s av r<span class=\"__10 _d_9\"/>\u00e4nte- och valutar<span class=\"__10 _471\"/>\u00e4ntes<span class=\"__10 _471\"/>wap-<span class=\"__10 _469\"> </span>par (den del som a<span class=\"__10 _d_9\"/>vser r\u00e4nterisk klassi\ufb01cer<span class=\"__10 _d_9\"/>as som s\u00e4kring av<span class=\"__10 _469\"> </span> verkligt v\u00e4r<span class=\"__10 _471\"/>de).<span class=\"__10 _469\"> </span>Nordea till\u00e4mpar s\u00e4kring a<span class=\"__10 _471\"/>v verkligt v\u00e4r<span class=\"__10 _d_9\"/>de p\u00e5 b\u00e5de mikro<span class=\"__10 _c_9\"/>-<span class=\"__10 _469\"> </span> och makroniv\u00e5. P<span class=\"__10 _d_9\"/>\u00e5 mikroniv\u00e5 g\u00f6rs r\u00e4nte<span class=\"__10 _471\"/>s\u00e4kring av dels sk<span class=\"__10 _d_9\"/>uld-<span class=\"__10 _469\"> </span>instrument med f<span class=\"__10 _d_9\"/>ast r\u00e4nt<span class=\"__10 _471\"/>a v\u00e4rder<span class=\"__10 _471\"/>ade till verkligt v\u00e4r<span class=\"__10 _471\"/>de via<span class=\"__10 _469\"> </span> \u00f6vrigt tot<span class=\"__10 _471\"/>alresulta<span class=\"__10 _d_9\"/>t<span class=\"__10 _c_9\"/>, dels emitterade v\u00e4rdepapper med f<span class=\"__10 _d_9\"/>ast<span class=\"__10 _469\"> </span> r\u00e4n<span class=\"__10 _471\"/>ta. P\u00e5 makr<span class=\"__10 _471\"/>oniv\u00e5 g\u00f6rs risks\u00e4kring a<span class=\"__10 _471\"/>v ut- och inl\u00e5ning, d\u00e4r<span class=\"__10 _469\"> </span> l\u00e5n med fas<span class=\"__10 _471\"/>t r\u00e4n<span class=\"__10 _471\"/>ta och tidsbunden inl\u00e5ning inledningsvis kvit-<span class=\"__10 _469\"> </span>tas mot var<span class=\"__10 _d_9\"/>andra och den \u00e5terst\u00e5ende e<span class=\"__10 _471\"/>xponeringen (netto-<span class=\"__10 _469\"> </span>tillg\u00e5ng eller nettoskuld) risks\u00e4kr<span class=\"__10 _471\"/>as med en portf\u00f6lj a<span class=\"__10 _d_9\"/>v r\u00e4nte-<span class=\"__10 _469\"> </span>swappar f<span class=\"__10 _d_9\"/>\u00f6r en viss l\u00f6ptid.<span class=\"__10 _469\"> </span> Vid test a<span class=\"__10 _d_9\"/><span class=\"__10 _469\">v s\u00e4kringens effektivit</span><span class=\"__10 _471\"/>et anv\u00e4nder sig Nor<span class=\"__10 _471\"/>dea<span class=\"ls1a_7 ws10_9\"> av<span class=\"__10 _469\"> </span></span><span class=\"ls1a_7 ws10_9\"> </span>b\u00e5de matchning a<span class=\"__10 _d_9\"/><span class=\"__10 _469\">v kritiska villkor (f\u00f6r eff</span><span class=\"__10 _d_9\"/>ektivitetstes<span class=\"__10 _471\"/>t p\u00e5 f\u00f6r-<span class=\"__10 _469\"> </span>hand) och regressionsanal<span class=\"__10 _d_9\"/><span class=\"__10 _469\">ys (f\u00f6r effek</span><span class=\"__10 _d_9\"/>tivitetstest i efterhand).<span class=\"__10 _469\"> </span> Vid bed\u00f6mning i efterhand a<span class=\"__10 _471\"/><span class=\"__10 _469\">v s\u00e4kringens effek</span><span class=\"__10 _d_9\"/>tivitet v\u00e4rderar<span class=\"__10 _469\"> </span> Nordea s\u00e4kringsinstrumen<span class=\"__10 _d_9\"/>tet till verkligt v\u00e4rde och j\u00e4mf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _469\"> </span> f\u00f6r<span class=\"__10 _471\"/>\u00e4ndringen av dett<span class=\"__10 _471\"/>a v\u00e4rde med f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringen av verkligt<span class=\"__10 _469\"> </span> v\u00e4rde p\u00e5 den s\u00e4kr<span class=\"__10 _471\"/>ade posten. M\u00e4<span class=\"__10 _471\"/><span class=\"__10 _469\">tning av eff</span><span class=\"__10 _d_9\"/>ektiviteten g\u00f6rs<span class=\"__10 _469\"> </span> p\u00e5 kumulativ basis.<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">Ineffek</span><span class=\"__10 _d_9\"/>tiva s\u00e4kringar kan bero p\u00e5:<span class=\"__10 _469\"> </span> \u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">skillnader i tidpunkten f<span class=\"__10 _d_9\"/>\u00f6r kassafl\u00f6den fr\u00e5n den s\u00e4kr<span class=\"__10 _471\"/>ade<span class=\"__10 _469\"> </span></span><span class=\"wsa_9\"> </span>posten och s\u00e4kringsinstrumen<span class=\"__10 _d_9\"/>tet<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">anv\u00e4ndning a<span class=\"__10 _d_9\"/>v olika r\u00e4ntek<span class=\"__10 _471\"/>urvor f\u00f6r disk<span class=\"__10 _471\"/>ontering a<span class=\"__10 _d_9\"/>v den<span class=\"__10 _469\"> </span></span><span class=\"wsa_9\"> </span>s\u00e4krade post<span class=\"__10 _471\"/>en och s\u00e4kringsinstrument<span class=\"__10 _d_9\"/>et<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\"><span class=\"__10 _469\">effek</span><span class=\"__10 _d_9\"/>ten av f<span class=\"__10 _471\"/>\u00f6r\u00e4ndringar i <span class=\"ws0_10\">Nordea</span>s eller en mo<span class=\"__10 _d_9\"/>tpar<span class=\"__10 _c_9\"/>tskredi<span class=\"ws0_10\">-<span class=\"__10 _469\"> </span></span></span>trisk p\u00e5 s\u00e4kringsinstrument<span class=\"__10 _d_9\"/>ets verkliga v\u00e4rde<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">skillnader i f\u00f6rv\u00e4n<span class=\"__10 _d_9\"/>tad och faktisk f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>tidsinl\u00f6sen av<span class=\"__10 _469\"> </span></span><span class=\"wsa_9\"> </span>l\u00e5neportf\u00f6ljen.<span class=\"__10 _469\"> </span>T<span class=\"__10 _479\"/>abellen nedan visar ackumulerade justeringar a<span class=\"__10 _d_9\"/>v verkligt<span class=\"__10 _469\"> </span> v\u00e4rde f<span class=\"__10 _471\"/>r\u00e5n f<span class=\"__10 _471\"/>ortl\u00f6pande och avslutade s\u00e4kringsf<span class=\"__10 _d_9\"/>\u00f6rh\u00e5llanden.<span class=\"__10 _469\"> </span>S\u00e4krade poster<span class=\"__10 _469\"> </span>R\u00e4nterisk 2022<span class=\"__10 _475\"> </span>R\u00e4nterisk 2021<span class=\"__10 _469\"> </span>Mn euro<span class=\"__10 _469\"> </span>Redovisat v<span class=\"__10 _d_9\"/>\u00e4rde f\u00f6r<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">s\u00e4krade tillg\u00e5ngar1<span class=\"__10 _469\"> </span></span>vara<span class=\"__10 _d_9\"/>v ackumulerade<span class=\"__10 _469\"> </span> justeringar av s\u00e4kring<span class=\"__10 _469\"> </span> av verkligt v<span class=\"__10 _471\"/>\u00e4rde<span class=\"__10 _469\"> </span>2, 3<span class=\"__10 _469\"> </span>Redovisat v<span class=\"__10 _d_9\"/>\u00e4rde f\u00f6r<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">s\u00e4krade tillg\u00e5ngar1<span class=\"__10 _469\"> </span></span>vara<span class=\"__10 _d_9\"/>v ackumulerade<span class=\"__10 _469\"> </span> justeringar av s\u00e4kring<span class=\"__10 _469\"> </span> av verkligt v<span class=\"__10 _471\"/>\u00e4rde<span class=\"__10 _469\"> </span>2, 3<span class=\"__10 _469\"> </span>S\u00e4kring av v<span class=\"__10 _471\"/>erkligt v\u00e4rde \u2013 mikroniv<span class=\"__10 _471\"/>\u00e5<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/><span class=\"__10 _469\">ande v\u00e4rdepapper1</span><span class=\"__10 _592\"> </span>15 893<span class=\"__10 _593\"> </span>\u2013<span class=\"__10 _594\"> </span>14 732<span class=\"__10 _593\"> </span>\u2013<span class=\"__10 _469\"> </span>Tillg\u00e5ngar<span class=\"__10 _595\"> </span>15 893<span class=\"__10 _593\"> </span><span class=\"ff2_10\">\u2013<span class=\"__10 _b5_3\"> </span></span>14 732<span class=\"__10 _593\"> </span><span class=\"ff2_10\">\u2013<span class=\"__10 _469\"> </span></span>Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper<span class=\"__10 _a3_2\"> </span>61 063<span class=\"__10 _b5_3\"> </span>-3 998<span class=\"__10 _560\"> </span>62 166<span class=\"__10 _e1_2\"> </span><span class=\"ls4_9 ws7_9\">57<span class=\"__10 _c_9\"/>3<span class=\"__10 _469\"> </span></span>Efterst\u00e4llda sk<span class=\"__10 _471\"/>ulder<span class=\"__10 _596\"> </span>4 861<span class=\"__10 _8b_2\"> </span>-504<span class=\"__10 _576\"> </span>5 714<span class=\"__10 _597\"> </span>131<span class=\"__10 _469\"> </span>Skulder<span class=\"__10 _598\"> </span>65 924<span class=\"__10 _560\"> </span>-4 502<span class=\"__10 _554\"> </span>67 880<span class=\"__10 _599\"> </span>704<span class=\"__10 _469\"> </span>R\u00e4nterisk 2022<span class=\"__10 _475\"> </span>R\u00e4nterisk 2021<span class=\"__10 _469\"> </span>Mn euro<span class=\"__10 _469\"> </span>Redovisat v<span class=\"__10 _d_9\"/>\u00e4rde f\u00f6r<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">s\u00e4krade tillg\u00e5ngar1<span class=\"__10 _469\"> </span></span>vara<span class=\"__10 _d_9\"/>v ackumulerade<span class=\"__10 _469\"> </span> justeringar av s\u00e4kring<span class=\"__10 _469\"> </span> av verkligt v<span class=\"__10 _471\"/>\u00e4rde<span class=\"__10 _469\"> </span>2, 3<span class=\"__10 _469\"> </span>Redovisat v<span class=\"__10 _d_9\"/>\u00e4rde f\u00f6r<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">s\u00e4krade tillg\u00e5ngar1<span class=\"__10 _469\"> </span></span>vara<span class=\"__10 _d_9\"/>v ackumulerade<span class=\"__10 _469\"> </span> justeringar av s\u00e4kring<span class=\"__10 _469\"> </span> av verkligt v<span class=\"__10 _471\"/>\u00e4rde<span class=\"__10 _469\"> </span>2, 3<span class=\"__10 _469\"> </span>S\u00e4kring av v<span class=\"__10 _471\"/>erkligt v\u00e4rde \u2013 makroniv<span class=\"__10 _471\"/>\u00e5<span class=\"__10 _469\"> </span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__10 _12a_1\"> </span>67 112<span class=\"__10 _593\"> </span>\u2013<span class=\"__10 _594\"> </span>94 177<span class=\"__10 _593\"> </span>\u2013<span class=\"__10 _469\"> </span>Tillg\u00e5ngar<span class=\"__10 _12b_1\"> </span>67 112<span class=\"__10 _a1_2\"> </span>-2 116<span class=\"__10 _560\"> </span>94 177<span class=\"__10 _12c_1\"> </span>-65<span class=\"__10 _469\"> </span>Skulder till kreditinstitut<span class=\"__10 _12d_1\"> </span>4 129<span class=\"__10 _593\"> </span>\u2013<span class=\"__10 _593\"> </span>\u2013<span class=\"__10 _593\"> </span>\u2013<span class=\"__10 _469\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__10 _12e_1\"> </span>27 426<span class=\"__10 _593\"> </span>\u2013<span class=\"__10 _b5_3\"> </span>18 109<span class=\"__10 _593\"> </span>\u2013<span class=\"__10 _469\"> </span>Skulder<span class=\"__10 _12f_1\"> </span>31 555<span class=\"__10 _a1_2\"> </span>-2 175<span class=\"__10 _bb_3\"> </span>18 109<span class=\"__10 _12c_1\"> </span>101<span class=\"__10 _469\"> </span>1) Den h\u00e4r posten innefa<span class=\"__10 _d_9\"/>ttar \u201dPantsatta \ufb01nansiella instrumen<span class=\"__10 _471\"/>t\u201d.<span class=\"__10 _469\"> </span>2) Ackumuler<span class=\"__10 _d_9\"/>ade justeringar av verkligt v\u00e4rde f<span class=\"__10 _d_9\"/>\u00f6r makros\u00e4kringar redovisas under balansposten \u201dF\u00f6r<span class=\"__10 _471\"/>\u00e4ndring av verkligt v<span class=\"__10 _471\"/>\u00e4rde f\u00f6r r<span class=\"__10 _471\"/>\u00e4ntes\u00e4krade pos<span class=\"__10 _471\"/>ter i s\u00e4kringsportf\u00f6ljer\u201d<span class=\"__10 _471\"/>.<span class=\"__10 _469\"> </span>3) V<span class=\"__10 _d_9\"/><span class=\"__10 _469\">arav 53 mn euro (63 mn euro) a</span><span class=\"__10 _d_9\"/>vser avslutade s\u00e4kringar av r\u00e4n<span class=\"__10 _d_9\"/>terisk<span class=\"__10 _c_9\"/>.<span class=\"__10 _469\"> </span>K3.6  S\u00e4kringsredovisning, forts.<span class=\"__10 _469\"> </span>T<span class=\"__10 _479\"/>abellen nedan inneh\u00e5ller upplysningar om<span class=\"__10 _469\"> </span> s\u00e4kringsinstrument.  <span class=\"__10 _498\"> </span> S\u00e4kringsinstrument<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span>Nominellt<span class=\"__10 _469\"> </span> belopp<span class=\"__10 _600\"/>31 dec 2022, mn euro<span class=\"__10 _e4_2\"> </span>Positivt<span class=\"__10 _6f_2\"> </span>Negativt<span class=\"__10 _469\"> </span>S\u00e4kring av v<span class=\"__10 _471\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span>R\u00e4nterisk<span class=\"__10 _475\"> </span>4 899<span class=\"__10 _520\"> </span><span class=\"ls4_9 ws7_9\">7 514<span class=\"__10 _6c_2\"> </span></span>190 844<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span>Nominellt<span class=\"__10 _469\"> </span> belopp<span class=\"__10 _600\"/>31 dec 2021, mn euro<span class=\"__10 _e0_2\"> </span>Positivt<span class=\"__10 _6f_2\"> </span>Nega<span class=\"__10 _471\"/>tivt<span class=\"__10 _469\"> </span>S\u00e4kring av v<span class=\"__10 _471\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span>R\u00e4nterisk<span class=\"__10 _601\"> </span>1 77<span class=\"__10 _c_9\"/>2<span class=\"__10 _483\"> </span>1 062<span class=\"__10 _6c_2\"> </span>259 4<span class=\"__10 _c_9\"/>26<span class=\"__10 _469\"> </span>T<span class=\"__10 _479\"/>abellen nedan visar de f\u00f6r\u00e4ndringar i v<span class=\"__10 _471\"/>erkligt v\u00e4rde f<span class=\"__10 _d_9\"/>\u00f6r s\u00e4k-<span class=\"__10 _469\"> </span>ringsinstrument r<span class=\"__10 _d_9\"/>espektive s\u00e4krade pos<span class=\"__10 _471\"/>ter som anv<span class=\"__10 _471\"/>\u00e4nds f\u00f6r<span class=\"__10 _469\"> </span> redovisning a<span class=\"__10 _d_9\"/><span class=\"__10 _469\">v s\u00e4kringsineffektivit</span><span class=\"__10 _471\"/>et. Dessa f\u00f6r\u00e4ndringar<span class=\"__10 _469\"> </span> redovisas i re<span class=\"__10 _471\"/>sultatr<span class=\"__10 _d_9\"/>\u00e4kningen under posten \u201dNettoresulta<span class=\"__10 _471\"/>t av<span class=\"__10 _469\"> </span> poster till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde\u201d<span class=\"__10 _d_9\"/>.  <span class=\"__10 _602\"> </span> <span class=\"__10 _469\">S\u00e4kringens ineffek</span><span class=\"__10 _d_9\"/>tivitet<span class=\"__10 _469\"> </span>R\u00e4nterisk<span class=\"__10 _469\"> </span>Mn euro<span class=\"__10 _603\"> </span>2022<span class=\"__10 _538\"> </span>2021<span class=\"__10 _469\"> </span>S\u00e4kring av v<span class=\"__10 _471\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span>F\u00f6r\u00e4ndringar i v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde f\u00f6r<span class=\"__10 _469\"> </span> s\u00e4kringsinstrument<span class=\"__10 _604\"> </span>-4 492<span class=\"__10 _3c_4\"> </span>-1 189<span class=\"__10 _469\"> </span>F\u00f6r\u00e4ndringar i v<span class=\"__10 _d_9\"/>\u00e4rde f\u00f6r s\u00e4krade poster som<span class=\"__10 _469\"> </span> anv\u00e4nds f<span class=\"__10 _d_9\"/>\u00f6r redovisning av s\u00e4kringsineffek<span class=\"__10 _d_9\"/>tivitet<span class=\"__10 _be_3\"> </span>4 522<span class=\"__10 _9f_2\"> </span> 1 162<span class=\"__10 _469\"> </span>S\u00e4kringsineffek<span class=\"__10 _d_9\"/>tivitet redovisad i<span class=\"__10 _469\"> </span> resultatr<span class=\"__10 _d_9\"/><span class=\"__10 _469\">\u00e4kningen1<span class=\"__10 _469\"> </span></span>,<span class=\"__10 _469\"> </span><span class=\"__10 _469\">2</span><span class=\"__10 _495\"> </span>30<span class=\"__10 _9b_2\"> </span><span class=\"ls3_9 ws6_9\">-27<span class=\"__10 _469\"> </span></span>1)   <span class=\"__10 _2b_4\"/>Redovisat under posten \u201dNettor<span class=\"__10 _471\"/>esultat a<span class=\"__10 _d_9\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span>2)   <span class=\"__10 _2b_4\"/><span class=\"__10 _469\">Vid upplysning av s\u00e4kringens eff</span><span class=\"__10 _471\"/>ektivitet, har v\u00e4rdejust<span class=\"__10 _471\"/>eringar (CV<span class=\"__10 _d_9\"/>A, DV<span class=\"__10 _471\"/>A och FFV<span class=\"__10 _d_9\"/>A)<span class=\"__10 _469\"> </span> inte beak<span class=\"__10 _471\"/>tats eftersom de int<span class=\"__10 _471\"/>e \u00e4r v\u00e4sentliga.<span class=\"__10 _469\"> </span>140<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>K3.6  S\u00e4kringsredovisning, forts.<span class=\"__10 _469\"> </span><span class=\"__10 _469\">K\u00e4llor till ineff</span><span class=\"__10 _d_9\"/>ektivitet kan ex<span class=\"__10 _d_9\"/>empelvis vara bris<span class=\"__10 _471\"/>tande \u00f6ve-<span class=\"__10 _469\"> </span>rensst\u00e4mmelse mellan jus<span class=\"__10 _d_9\"/>teringsintervallen f\u00f6r s<span class=\"__10 _471\"/>wappen res-<span class=\"__10 _469\"> </span>pektiv<span class=\"__10 _471\"/>e ref<span class=\"__10 _471\"/>erensr\u00e4n<span class=\"__10 _d_9\"/>tan och det verkliga v\u00e4rdet p\u00e5 swappens<span class=\"__10 _469\"> </span> r\u00f6rliga r\u00e4n<span class=\"__10 _d_9\"/>tefl\u00f6de p\u00e5 andra dagar \u00e4n r\u00e4nt<span class=\"__10 _471\"/>ejusteringsdagen.<span class=\"__10 _469\"> </span>Kassafl\u00f6dess\u00e4kringar<span class=\"__10 _469\"> </span>Nordea till\u00e4mpar kassafl\u00f6dess\u00e4kring vid s\u00e4kring a<span class=\"__10 _d_9\"/>v r\u00e4nterisk<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">i utl\u00e5ning och uppl\u00e5ning till r\u00f6rliga r\u00e4n</span><span class=\"__10 _d_9\"/>tor<span class=\"__10 _471\"/>.<span class=\"__10 _469\"> </span> Nordeas kassafl\u00f6dess\u00e4kring a<span class=\"__10 _d_9\"/>v r\u00e4nterisk a<span class=\"__10 _d_9\"/>vser risken f\u00f6r<span class=\"__10 _469\"> </span> variation i f<span class=\"__10 _471\"/>ram<span class=\"__10 _471\"/>tida r\u00e4n<span class=\"__10 _471\"/>tebetalningar (betalda och erh\u00e5llna)<span class=\"__10 _469\"> </span> till f\u00f6ljd a<span class=\"__10 _d_9\"/>v f\u00f6r\u00e4ndringar i ref<span class=\"__10 _d_9\"/>erensr\u00e4nt<span class=\"__10 _471\"/>an f\u00f6r pr<span class=\"__10 _471\"/>ognostiserade<span class=\"__10 _469\"> </span> transak<span class=\"__10 _471\"/><span class=\"__10 _469\">tioner och f\u00f6r r</span><span class=\"__10 _471\"/>edovisade \ufb01nansiella tillg\u00e5ngar och<span class=\"__10 _469\"> </span> skulder<span class=\"__10 _d_9\"/>. Den h\u00e4r variationen i kassa<span class=\"__10 _471\"/>fl\u00f6dena risks\u00e4kras med<span class=\"__10 _469\"> </span> hj\u00e4lp av r<span class=\"__10 _d_9\"/>\u00e4nteswappar och val<span class=\"__10 _471\"/>utar\u00e4n<span class=\"__10 _d_9\"/>teswappar<span class=\"__10 _d_9\"/>, d\u00e4r r\u00e4ntebe-<span class=\"__10 _469\"> </span>talningarna byts till f<span class=\"__10 _471\"/>ast r\u00e4n<span class=\"__10 _d_9\"/>ta i enlighet med Nordeas policyer<span class=\"__10 _469\"> </span> och riskhanteringss<span class=\"__10 _d_9\"/>trategi som i beskrivs i a<span class=\"__10 _471\"/>vsnittet \u201dMark<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>nadsrisk\u201d i not K11 \u201dRisk<span class=\"__10 _471\"/>- och likviditetshant<span class=\"__10 _d_9\"/>ering\u201d<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span> Vid m\u00e4tning i efterhand a<span class=\"__10 _d_9\"/><span class=\"__10 _469\">v kassafl\u00f6dess\u00e4kringarnas effek</span><span class=\"__10 _d_9\"/>-<span class=\"__10 _469\"> </span>tivitet anv\u00e4nds den h<span class=\"__10 _d_9\"/>ypotetiska derivatmetoden, vilk<span class=\"__10 _471\"/>et inne-<span class=\"__10 _469\"> </span>b\u00e4r att f<span class=\"__10 _471\"/>\u00f6r\u00e4ndringen i en perfek<span class=\"__10 _d_9\"/>t hypotetisk swap anse<span class=\"__10 _471\"/>s mot-<span class=\"__10 _469\"> </span>svara nuv<span class=\"__10 _d_9\"/>\u00e4rdet av den ackumuler<span class=\"__10 _471\"/>ade f\u00f6r<span class=\"__10 _471\"/>\u00e4ndringen i f\u00f6rv\u00e4n-<span class=\"__10 _469\"> </span>tade fram<span class=\"__10 _d_9\"/>tida kassafl\u00f6den fr\u00e5n den s\u00e4krade tr<span class=\"__10 _d_9\"/>ansaktionen.<span class=\"__10 _469\"> </span> Det hypotetisk<span class=\"__10 _471\"/>a derivat<span class=\"__10 _471\"/>et motsvar<span class=\"__10 _d_9\"/>ar egenskaperna hos de<span class=\"__10 _469\"> </span> s\u00e4krade post<span class=\"__10 _471\"/>erna (l\u00e5n med r\u00f6rlig r\u00e4n<span class=\"__10 _d_9\"/>ta), sett till s\u00e4krad volym,<span class=\"__10 _469\"> </span> r\u00e4n<span class=\"__10 _471\"/>tejusteringsdagar och r<span class=\"__10 _d_9\"/>\u00e4ntebetalningsperioder<span class=\"__10 _d_9\"/>. S\u00e4kring-<span class=\"__10 _469\"> </span><span class=\"__10 _469\">ens effek</span><span class=\"__10 _d_9\"/>tivitet ber\u00e4knas p\u00e5 kumulativ basis, genom a<span class=\"__10 _471\"/>tt j\u00e4m-<span class=\"__10 _469\"> </span>f\u00f6r<span class=\"__10 _471\"/>a f\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndringar i en por<span class=\"__10 _c_9\"/>tf\u00f6lj a<span class=\"__10 _d_9\"/>v r\u00e4ntesw<span class=\"__10 _471\"/>appar (s\u00e4kringsin-<span class=\"__10 _469\"> </span>strument) och h<span class=\"__10 _d_9\"/>ypotetiska derivat. F\u00f6r<span class=\"__10 _471\"/>\u00e4ndringar i v\u00e4rderingen<span class=\"__10 _469\"> </span> av s\u00e4kringsins<span class=\"__10 _d_9\"/><span class=\"__10 _469\">trument som ing\u00e5r i effek</span><span class=\"__10 _d_9\"/>tiva s\u00e4kringsf\u00f6rh\u00e5llan-<span class=\"__10 _469\"> </span>den redovisas ack<span class=\"__10 _471\"/>umulerat i r<span class=\"__10 _471\"/>eserven f\u00f6r k<span class=\"__10 _471\"/>assafl\u00f6dess\u00e4kring-<span class=\"__10 _469\"> </span>ar under eget kapital via \u00f6vrigt to<span class=\"__10 _d_9\"/>talresultat.<span class=\"__10 _469\"> </span><span class=\"__10 _469\">De m\u00f6jliga k\u00e4llorna till ineffek</span><span class=\"__10 _d_9\"/>tivitet i kassafl\u00f6dess\u00e4kringar<span class=\"__10 _469\"> </span> kan normalt var<span class=\"__10 _d_9\"/>a desamma som i s\u00e4kringar av verkligt v\u00e4r<span class=\"__10 _471\"/>de<span class=\"__10 _469\"> </span> (se ovan). F<span class=\"__10 _d_9\"/>\u00f6r kassafl\u00f6dess\u00e4kringar \u00e4r emellertid risken f\u00f6r<span class=\"__10 _469\"> </span> f\u00f6rtidsinl\u00f6sen mindre r<span class=\"__10 _471\"/>elevan<span class=\"__10 _d_9\"/>t<span class=\"__10 _c_9\"/><span class=\"__10 _469\">. H\u00e4r orsakas s\u00e4kringsineffekti-<span class=\"__10 _469\"> </span></span>viteten ist\u00e4ll<span class=\"__10 _471\"/>et av f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i tidpunkten f<span class=\"__10 _d_9\"/>\u00f6r och beloppen<span class=\"__10 _469\"> </span> fr\u00e5n pr<span class=\"__10 _471\"/>ognostiserade f<span class=\"__10 _d_9\"/>ramtida kassafl\u00f6den.<span class=\"__10 _469\"> </span> T<span class=\"__10 _479\"/>abellerna nedan inneh\u00e5ller upplysningar om s\u00e4kringsin-<span class=\"__10 _469\"> </span>strument s<span class=\"__10 _471\"/>om ing\u00e5r i r\u00e4n<span class=\"__10 _471\"/>tes\u00e4kringar<span class=\"__10 _d_9\"/>, inklusive nominellt<span class=\"__10 _469\"> </span> belopp och redovisa<span class=\"__10 _471\"/>t belopp.<span class=\"__10 _469\"> </span> S\u00e4kringsinstrument<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span>Nominellt<span class=\"__10 _469\"> </span> belopp<span class=\"__10 _600\"/>31 dec 2022, mn euro<span class=\"__10 _e4_2\"> </span>Positivt<span class=\"__10 _6f_2\"> </span>Negativt<span class=\"__10 _469\"> </span>Kassafl\u00f6dess\u00e4kringar<span class=\"__10 _469\"> </span> R\u00e4nterisk<span class=\"__10 _dc_2\"> </span>368<span class=\"__10 _512\"> </span><span class=\"ls1b_7 ws26_7\">42<span class=\"__10 _487\"> </span><span class=\"ls4_9 ws7_9\">4 57<span class=\"__10 _c_9\"/>9<span class=\"__10 _469\"> </span></span></span>V<span class=\"__10 _471\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span>Nominellt<span class=\"__10 _469\"> </span> belopp<span class=\"__10 _600\"/>31 dec 2021, mn euro<span class=\"__10 _e0_2\"> </span>Positivt<span class=\"__10 _6f_2\"> </span>Nega<span class=\"__10 _471\"/>tivt<span class=\"__10 _469\"> </span>Kassafl\u00f6dess\u00e4kringar<span class=\"__10 _469\"> </span> R\u00e4nterisk<span class=\"__10 _d9_2\"> </span>22<span class=\"__10 _485\"> </span>\u2013<span class=\"__10 _498\"> </span>750<span class=\"__10 _469\"> </span>T<span class=\"__10 _479\"/>abellen nedan visar f\u00f6r\u00e4ndringar a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde f<span class=\"__10 _d_9\"/>\u00f6r s\u00e4k-<span class=\"__10 _469\"> </span>ringsinstrument f<span class=\"__10 _d_9\"/>r\u00e5n fortl\u00f6pande s\u00e4kringsf\u00f6rh\u00e5llanden, oa<span class=\"__10 _d_9\"/>v-<span class=\"__10 _469\"> </span>sett om det under \u00e5ret har skett n\u00e5gon f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndring av s\u00e4kring-<span class=\"__10 _469\"> </span>ens klassi\ufb01cering. I tabellen presen<span class=\"__10 _d_9\"/>teras ocks\u00e5 de f\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndring-<span class=\"__10 _469\"> </span>ar i v\u00e4rde f<span class=\"__10 _d_9\"/>\u00f6r s\u00e4krade poster som anv<span class=\"__10 _d_9\"/>\u00e4nds f\u00f6r att m\u00e4ta<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">ineffek</span><span class=\"__10 _d_9\"/>tiviteten i s\u00e4kringar<span class=\"__10 _d_9\"/><span class=\"__10 _469\">, d\u00e4r de effektiv</span><span class=\"__10 _d_9\"/><span class=\"__10 _469\">a och ineffektiv</span><span class=\"__10 _471\"/>a<span class=\"__10 _469\"> </span> delarna visas separat.<span class=\"__10 _469\"> </span><span class=\"__10 _469\">S\u00e4kringens ineffek</span><span class=\"__10 _d_9\"/>tivitet<span class=\"__10 _469\"> </span>R\u00e4nterisk<span class=\"__10 _469\"> </span>Mn euro<span class=\"__10 _603\"> </span>2022<span class=\"__10 _538\"> </span>2021<span class=\"__10 _469\"> </span>Kassafl\u00f6dess\u00e4kringar<span class=\"__10 _469\"> </span>F\u00f6r\u00e4ndringar i v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde f\u00f6r<span class=\"__10 _469\"> </span> s\u00e4kringsinstrument<span class=\"__10 _605\"> </span>-39<span class=\"__10 _508\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _469\"> </span></span>F\u00f6r\u00e4ndringar i v<span class=\"__10 _d_9\"/>\u00e4rde f\u00f6r s\u00e4krade poster som<span class=\"__10 _469\"> </span> anv\u00e4nds f<span class=\"__10 _d_9\"/>\u00f6r redovisning av s\u00e4kringsineffek<span class=\"__10 _d_9\"/>tivitet<span class=\"__10 _3f_4\"> </span>39<span class=\"__10 _565\"> </span>2<span class=\"__10 _469\"> </span>S\u00e4kringsineffek<span class=\"__10 _d_9\"/>tivitet redovisad i<span class=\"__10 _469\"> </span> resultatr<span class=\"__10 _d_9\"/><span class=\"__10 _469\">\u00e4kningen1<span class=\"__10 _469\"> </span></span>,<span class=\"__10 _469\"> </span><span class=\"__10 _469\">2</span><span class=\"__10 _563\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _469\"> </span>Vinster<span class=\"__10 _d_9\"/>/<span class=\"__10 _c_9\"/>f\u00f6rlus<span class=\"__10 _471\"/>ter fr\u00e5n s\u00e4kringar som r<span class=\"__10 _d_9\"/>edovisats<span class=\"__10 _469\"> </span> under \u00f6vrigt totalr<span class=\"__10 _471\"/>esultat<span class=\"__10 _11f_3\"> </span>-39<span class=\"__10 _508\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _469\"> </span></span>1)   <span class=\"__10 _2b_4\"/>Redovisat under posten \u201dNettor<span class=\"__10 _471\"/>esultat a<span class=\"__10 _d_9\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span>2)   <span class=\"__10 _2b_4\"/><span class=\"__10 _469\">Vid upplysning av s\u00e4kringens ineff</span><span class=\"__10 _471\"/>ektivitet, har v\u00e4rderingsjust<span class=\"__10 _471\"/>eringar<span class=\"__10 _469\"> </span> (CV<span class=\"__10 _d_9\"/>A, DV<span class=\"__10 _471\"/>A och FFV<span class=\"__10 _d_9\"/>A) inte beak<span class=\"__10 _d_9\"/>tats eftersom de inte \u00e4r v\u00e4sentliga. <span class=\"__10 _498\"> </span> Reserv f<span class=\"__10 _471\"/>\u00f6r kassafl\u00f6dess\u00e4kring<span class=\"__10 _469\"> </span>R\u00e4nterisk<span class=\"__10 _469\"> </span>Mn euro<span class=\"__10 _606\"> </span>2022<span class=\"__10 _4a_2\"> </span>2021<span class=\"__10 _469\"> </span>Balans 1 jan<span class=\"__10 _607\"> </span><span class=\"ff2_10\">4<span class=\"__10 _ca_2\"> </span>12<span class=\"__10 _469\"> </span></span>Kassafl\u00f6dess\u00e4kringar:  V<span class=\"__10 _d_9\"/>\u00e4rdef\u00f6r\u00e4ndringar <span class=\"__10 _608\"> </span>-39<span class=\"__10 _547\"> </span><span class=\"ls3_9 ws6_9\">-2</span>  Skatt p\u00e5 v\u00e4rde<span class=\"__10 _471\"/>f\u00f6r\u00e4ndringar<span class=\"__10 _566\"> </span>8<span class=\"__10 _a2_2\"> </span>0  Omklassi\ufb01cerat till r<span class=\"__10 _471\"/>esultatr<span class=\"__10 _471\"/>\u00e4kningen<span class=\"__10 _539\"> </span><span class=\"ls4_9 ws7_9\">-13<span class=\"__10 _be_3\"> </span></span>-8  Skatt p\u00e5 omklassi\ufb01cera<span class=\"__10 _d_9\"/>t till resultatr\u00e4kningen<span class=\"__10 _c4_2\"> </span>3<span class=\"__10 _508\"> </span>2<span class=\"__10 _469\"> </span>\u00d6vrigt totalresul<span class=\"__10 _d_9\"/>tat<span class=\"__10 _c_9\"/>, netto efter skatt<span class=\"__10 _489\"> </span>-41<span class=\"__10 _ca_2\"> </span>-8<span class=\"__10 _469\"> </span>T<span class=\"__10 _479\"/>otalresulta<span class=\"__10 _471\"/>t <span class=\"__10 _9c_3\"> </span>-41<span class=\"__10 _9b_2\"> </span>-8<span class=\"__10 _469\"> </span>Balans 31 dec<span class=\"__10 _609\"> </span>-37<span class=\"__10 _a2_2\"> </span>4<span class=\"__10 _469\"> </span>vara<span class=\"__10 _d_9\"/>v fortl\u00f6pande s\u00e4kringar f\u00f6r vilka<span class=\"__10 _469\"> </span> s\u00e4kringsredovisning till\u00e4mpas<span class=\"__10 _13a_1\"> </span>-37<span class=\"__10 _a2_2\"> </span>4<span class=\"__10 _469\"> </span>vara<span class=\"__10 _d_9\"/>v s\u00e4kringsf\u00f6rh\u00e5llanden f\u00f6r vilka<span class=\"__10 _469\"> </span> s\u00e4kringsredovisning in<span class=\"__10 _471\"/>te l\u00e4ngre till\u00e4mpas<span class=\"__10 _13b_1\"> </span><span class=\"ff3_9\">\u2013<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _469\"> </span></span>141<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>K3.6  S\u00e4kringsredovisning, forts.<span class=\"__10 _469\"> </span>L\u00f6ptidspro<span class=\"__10 _471\"/>\ufb01l f\u00f6r nominella belopp i s\u00e4kringsinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _469\"> </span>31 dec 2022, mn euro<span class=\"__10 _469\"> </span>Betalbara vid<span class=\"__10 _469\"> </span> anfordr<span class=\"__10 _d_9\"/>an<span class=\"__10 _469\"> </span>H\u00f6gst 3<span class=\"__10 _469\"> </span> m\u00e5nader<span class=\"__10 _c1_2\"> </span>3\u201312 m\u00e5nader<span class=\"__10 _8c_2\"> </span>1\u20135 \u00e5r<span class=\"__10 _568\"> </span>\u00d6ver 5 \u00e5r<span class=\"__10 _483\"> </span>Summa<span class=\"__10 _469\"> </span>Instrument f<span class=\"__10 _d_9\"/>\u00f6r s\u00e4kring av r\u00e4nterisk <span class=\"__10 _13c_1\"> </span>\u2013<span class=\"__10 _8c_2\"> </span>21 025<span class=\"__10 _555\"> </span>42 277<span class=\"__10 _ca_2\"> </span>102 2<span class=\"__10 _c_9\"/>53<span class=\"__10 _483\"> </span>2<span class=\"__10 _c_9\"/>5 794<span class=\"__10 _538\"> </span>191 349<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _13d_1\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>21 025<span class=\"__10 _cf_2\"> </span>42 277<span class=\"__10 _ca_2\"> </span>102 253<span class=\"__10 _483\"> </span>25 794<span class=\"__10 _cc_3\"> </span>191 349<span class=\"__10 _469\"> </span>31 dec 2021, mn euro<span class=\"__10 _469\"> </span>Betalbara vid<span class=\"__10 _469\"> </span> anfordr<span class=\"__10 _d_9\"/>an<span class=\"__10 _469\"> </span>H\u00f6gst 3<span class=\"__10 _469\"> </span> m\u00e5nader<span class=\"__10 _c1_2\"> </span>3\u201312 m\u00e5nader<span class=\"__10 _8c_2\"> </span>1\u20135 \u00e5r<span class=\"__10 _568\"> </span>\u00d6ver 5 \u00e5r<span class=\"__10 _483\"> </span>Summa<span class=\"__10 _469\"> </span>Instrument f<span class=\"__10 _d_9\"/>\u00f6r s\u00e4kring av r\u00e4nterisk <span class=\"__10 _13c_1\"> </span>\u2013<span class=\"__10 _498\"> </span> 34 387<span class=\"__10 _4e_2\"> </span> 49 215<span class=\"__10 _515\"> </span> 130 206<span class=\"__10 _bf_3\"> </span> 46 368<span class=\"__10 _491\"> </span> 260 176<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _13d_1\"> </span>\u2013<span class=\"__10 _498\"> </span> 34 387<span class=\"__10 _cb_2\"> </span> 49 215<span class=\"__10 _514\"> </span> 130 206<span class=\"__10 _cc_3\"> </span> 46 368<span class=\"__10 _2a_4\"> </span> 260 176<span class=\"__10 _469\"> </span>Genomsnittlig r\u00e4n<span class=\"__10 _471\"/>ta f\u00f6r s\u00e4kringsins<span class=\"__10 _d_9\"/>trument<span class=\"__10 _469\"> </span> i r\u00e4n<span class=\"__10 _471\"/>tes\u00e4kringar<span class=\"__10 _469\"> </span>Den genomsnittliga r\u00e4n<span class=\"__10 _471\"/>tan f\u00f6r det f<span class=\"__10 _d_9\"/>asta benet i instrument<span class=\"__10 _469\"> </span> som s\u00e4krar r\u00e4n<span class=\"__10 _d_9\"/>terisk var per 31 december 2022 1,<span class=\"__10 _479\"/><span class=\"__10 _469\">10 procent<span class=\"__10 _469\"> </span></span> (0,37 procen<span class=\"__10 _471\"/>t).<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>alutarisk<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>alutarisk \u00e4r risken att v<span class=\"__10 _471\"/>\u00e4rdet p\u00e5 ett \ufb01nansiellt instrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _469\"> </span> varierar till f<span class=\"__10 _d_9\"/>\u00f6ljd av valutak<span class=\"__10 _d_9\"/>ur<span class=\"__10 _c_9\"/>sf\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndringar.<span class=\"__10 _469\"> </span> V<span class=\"__10 _d_9\"/>alutarisken fr\u00e5n handel begr<span class=\"__10 _d_9\"/>\u00e4nsas med hj\u00e4lp av en V<span class=\"__10 _d_9\"/>aR-<span class=\"__10 _469\"> </span>limit. V<span class=\"__10 _471\"/>alutarisken f<span class=\"__10 _471\"/>r\u00e5n struk<span class=\"__10 _d_9\"/>turella exponeringar (enligt<span class=\"__10 _469\"> </span> beskrivningen nedan) begr\u00e4nsas med hj\u00e4lp a<span class=\"__10 _d_9\"/>v en f\u00f6rlustlimit<span class=\"__10 _469\"> </span> f\u00f6r v<span class=\"__10 _471\"/>alutakursr\u00f6r<span class=\"__10 _471\"/><span class=\"__10 _469\">elsernas eff</span><span class=\"__10 _471\"/>ekt p\u00e5 k\u00e4rnprim\u00e4rkapit<span class=\"__10 _471\"/>alrelatio-<span class=\"__10 _469\"> </span>nen i ett allvarligt men \u00e4nd\u00e5 m\u00f6jligt s<span class=\"__10 _d_9\"/>tresscenario. Se a<span class=\"__10 _471\"/>vsnitt<span class=\"__10 _469\"> </span> 4 \u201dMarknadsrisk\u201d i not K11 \u201dRisk<span class=\"__10 _471\"/>- och likviditetshant<span class=\"__10 _d_9\"/>ering\u201d<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span> Nordeas utl\u00e5ning och uppl\u00e5ning kan var<span class=\"__10 _d_9\"/>a uttr<span class=\"__10 _c_9\"/>yckt i l\u00e5n<span class=\"__10 _d_9\"/>ta-<span class=\"__10 _469\"> </span>garens eller inv<span class=\"__10 _471\"/>ester<span class=\"__10 _471\"/>arens valut<span class=\"__10 _471\"/>a. Uppl\u00e5ning, placeringar och<span class=\"__10 _469\"> </span> utl\u00e5ning g\u00f6rs inte alltid i samma v<span class=\"__10 _d_9\"/>aluta, vilket medf\u00f6r en val<span class=\"__10 _471\"/>u-<span class=\"__10 _469\"> </span>tarisk f\u00f6r Nor<span class=\"__10 _d_9\"/>dea. Skillnader i exponering mot enskilda valu-<span class=\"__10 _469\"> </span>tor som \ufb01nns mellan olika transak<span class=\"__10 _d_9\"/>tioner matchas huvudsakli-<span class=\"__10 _469\"> </span>gen genom att ing\u00e5 valut<span class=\"__10 _471\"/>ar\u00e4n<span class=\"__10 _471\"/>teswappar<span class=\"__10 _479\"/>. V<span class=\"__10 _d_9\"/>alutakomponenten<span class=\"__10 _469\"> </span> hanter<span class=\"__10 _d_9\"/>as som en kassafl\u00f6dess\u00e4kring av val<span class=\"__10 _d_9\"/>utarisk och r\u00e4nte-<span class=\"__10 _469\"> </span>komponent<span class=\"__10 _471\"/>en som en verklig v\u00e4r<span class=\"__10 _d_9\"/>des\u00e4kring av r\u00e4n<span class=\"__10 _471\"/>terisk.<span class=\"__10 _469\"> </span>Dessutom \u00e4r Nordea e<span class=\"__10 _d_9\"/>xponerat f\u00f6r s<span class=\"__10 _471\"/>truktur<span class=\"__10 _471\"/>ell valutarisk<span class=\"__10 _469\"> </span> genom sina utl\u00e4ndska verksamheter som har en annan f<span class=\"__10 _471\"/>unk-<span class=\"__10 _469\"> </span>tionell valuta \u00e4n Nor<span class=\"__10 _471\"/>deas rapporteringsvaluta eur<span class=\"__10 _d_9\"/>o (det vill<span class=\"__10 _469\"> </span> s\u00e4ga omr\u00e4kningsrisk). <span class=\"__10 _471\"/>A<span class=\"__10 _d_9\"/>vistakursr\u00f6relser f<span class=\"__10 _d_9\"/>\u00e5r Nordeas redovi-<span class=\"__10 _469\"> </span>sade nettoinve<span class=\"__10 _471\"/>steringar i utl\u00e4ndska v<span class=\"__10 _471\"/>erksamheter att f<span class=\"__10 _d_9\"/>\u00f6r\u00e4nd-<span class=\"__10 _469\"> </span>ras och k\u00e4rnprim\u00e4rkapitalr<span class=\"__10 _471\"/>elationen att v<span class=\"__10 _d_9\"/>ariera p\u00e5 grund av<span class=\"__10 _469\"> </span> bristande val<span class=\"__10 _471\"/>uta\u00f6ver<span class=\"__10 _d_9\"/>ensst\u00e4mmelse mellan eget kapital och<span class=\"__10 _469\"> </span> riskexponeringsbel<span class=\"__10 _471\"/>opp (REA). Nordea till\u00e4mpar s\u00e4kringsre-<span class=\"__10 _469\"> </span>dovisning vid s\u00e4kring a<span class=\"__10 _d_9\"/>v sina investeringar i full<span class=\"__10 _471\"/>t konsolide-<span class=\"__10 _469\"> </span>rade utl\u00e4ndska verksamhet<span class=\"__10 _471\"/>er som har en annan funk<span class=\"__10 _d_9\"/>tionell<span class=\"__10 _469\"> </span> valuta \u00e4n eur<span class=\"__10 _471\"/>o.<span class=\"__10 _469\"> </span> F\u00f6r s\u00e4kringsf<span class=\"__10 _d_9\"/>\u00f6rh\u00e5llanden g\u00e4llande valutarisk \u00e4r den s\u00e4k-<span class=\"__10 _469\"> </span>rade post<span class=\"__10 _471\"/>en valutakomponen<span class=\"__10 _d_9\"/>ten. S\u00e4kringen uppn\u00e5s genom<span class=\"__10 _469\"> </span> att matcha deriv<span class=\"__10 _d_9\"/>atinstrumentens nominella belopp mo<span class=\"__10 _d_9\"/>t kapi-<span class=\"__10 _469\"> </span>talbeloppet i den s\u00e4krade post<span class=\"__10 _d_9\"/>en.<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>alutakomponent<span class=\"__10 _471\"/>en fas<span class=\"__10 _471\"/>tst\u00e4lls som f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringen i nuv\u00e4rdet<span class=\"__10 _469\"> </span> av f<span class=\"__10 _d_9\"/>ramtida kassafl\u00f6den, ber\u00e4knad med hj\u00e4lp a<span class=\"__10 _d_9\"/>v valutakurvor<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span> V<span class=\"__10 _d_9\"/>alutakomponent<span class=\"__10 _471\"/>en kan identi\ufb01er<span class=\"__10 _d_9\"/>as separat och v\u00e4rder<span class=\"__10 _471\"/>as p\u00e5<span class=\"__10 _469\"> </span> ett tillf\u00f6rlitligt s\u00e4<span class=\"__10 _471\"/>tt, och den utg\u00f6r normalt den st\u00f6rsta delen<span class=\"__10 _469\"> </span> av f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringen i verkligt v\u00e4rde eller k<span class=\"__10 _471\"/>assafl\u00f6de.<span class=\"__10 _469\"> </span>S\u00e4kring av k<span class=\"__10 _471\"/>assafl\u00f6den och nettoinv<span class=\"__10 _d_9\"/>esteringar<span class=\"__10 _469\"> </span> S\u00e4krade post<span class=\"__10 _471\"/>er i kassafl\u00f6dess\u00e4kringar a<span class=\"__10 _d_9\"/>v valutarisk utg\u00f6rs av<span class=\"__10 _469\"> </span> fram<span class=\"__10 _d_9\"/>tida betalningar av r\u00e4n<span class=\"__10 _d_9\"/>ta och det nominella beloppet<span class=\"__10 _469\"> </span> fr\u00e5n (1) emissioner i utl\u00e4ndsk v<span class=\"__10 _471\"/>aluta och (2) koncernin<span class=\"__10 _d_9\"/>terna<span class=\"__10 _469\"> </span> l\u00e5n i utl\u00e4ndsk valuta, d\u00e4r v<span class=\"__10 _471\"/><span class=\"__10 _469\">alutakurseff</span><span class=\"__10 _d_9\"/>ekten int<span class=\"__10 _471\"/>e elimineras<span class=\"__10 _469\"> </span> vid konsolidering. Nordea an<span class=\"__10 _471\"/>v\u00e4nder val<span class=\"__10 _471\"/>utar\u00e4n<span class=\"__10 _471\"/>teswappar<span class=\"__10 _479\"/>,<span class=\"__10 _469\"> </span> b\u00e5de r\u00f6rlig mot r\u00f6rlig och f<span class=\"__10 _d_9\"/>ast mot r\u00f6rlig, d\u00e4r den del som<span class=\"__10 _469\"> </span> avser v<span class=\"__10 _d_9\"/><span class=\"__10 _469\">alutarisk, inklusive valutabasiseff</span><span class=\"__10 _d_9\"/>ekter<span class=\"__10 _d_9\"/>, hanter<span class=\"__10 _471\"/>as som<span class=\"__10 _469\"> </span> en kassafl\u00f6des <span class=\"__10 _558\"/>s\u00e4kring. S\u00e4kringsf\u00f6rh\u00e5llanden skapas p\u00e5<span class=\"__10 _469\"> </span> mikro- eller makroniv\u00e5.<span class=\"__10 _469\"> </span>F\u00f6r s\u00e4kringar a<span class=\"__10 _d_9\"/>v nettoinvest<span class=\"__10 _471\"/>eringar anv\u00e4nder Nor<span class=\"__10 _471\"/>dea korta<span class=\"__10 _469\"> </span> valutasw<span class=\"__10 _d_9\"/>appar som s\u00e4kringsinstrument, och f\u00f6r\u00e4ndringar i<span class=\"__10 _469\"> </span> avis<span class=\"__10 _d_9\"/>takursen anses utg\u00f6ra den s\u00e4krade risken. Ine<span class=\"__10 _471\"/><span class=\"__10 _469\">ffek</span><span class=\"__10 _d_9\"/>tivitet i<span class=\"__10 _469\"> </span> s\u00e4kringen kan uppst\u00e5 om s\u00e4kringsinstrumen<span class=\"__10 _d_9\"/>ten i nominella<span class=\"__10 _469\"> </span> termer t\u00e4cker mer \u00e4n riske<span class=\"__10 _d_9\"/>xponeringen i de utl\u00e4ndska<span class=\"__10 _469\"> </span> verksamheterna.<span class=\"__10 _469\"> </span> T<span class=\"__10 _479\"/>abellerna nedan inneh\u00e5ller upplysningar om s\u00e4kringsin-<span class=\"__10 _469\"> </span>strument s<span class=\"__10 _471\"/>om ing\u00e5r i valutas\u00e4kringar<span class=\"__10 _479\"/>, inklusive s\u00e4kringsinstru<span class=\"ws0_10\">-<span class=\"__10 _469\"> </span></span>mentens nominella och r<span class=\"__10 _471\"/>edovisade belopp.<span class=\"__10 _469\"> </span>S\u00e4kringsinstrument<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt v\u00e4rde Nominellt<span class=\"__10 _469\"> </span> belopp<span class=\"__10 _600\"/>31 dec 2022, mn euro<span class=\"__10 _e4_2\"> </span>Positivt<span class=\"__10 _6f_2\"> </span>Negativt<span class=\"__10 _469\"> </span>Kassafl\u00f6dess\u00e4kringar<span class=\"__10 _469\"> </span> V<span class=\"__10 _d_9\"/>alutarisk<span class=\"__10 _7c_2\"> </span>1 098<span class=\"__10 _508\"> </span>209<span class=\"__10 _1f_6\"> </span>14 159<span class=\"__10 _469\"> </span>S\u00e4kring av nettoin<span class=\"__10 _d_9\"/>vesteringar<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>alutarisk<span class=\"__10 _dc_2\"> </span><span class=\"ls3_9 ws6_9\">241<span class=\"__10 _508\"> </span></span>200<span class=\"__10 _483\"> </span>3 565<span class=\"__10 _469\"> </span>Summa derivat som an<span class=\"__10 _471\"/>v\u00e4nds f\u00f6r<span class=\"__10 _469\"> </span> s\u00e4kringsredovisning<span class=\"__10 _fb_2\"> </span>1 339<span class=\"__10 _496\"> </span>409<span class=\"__10 _5c_2\"> </span><span class=\"ls3_9 ws6_9\">17<span class=\"__10 _c_9\"/> 7<span class=\"__10 _c_9\"/>24<span class=\"__10 _469\"> </span></span>V<span class=\"__10 _471\"/>erkligt v\u00e4rde Nominellt<span class=\"__10 _469\"> </span> belopp<span class=\"__10 _600\"/>31 dec 2021, mn euro<span class=\"__10 _e0_2\"> </span>Positivt<span class=\"__10 _6f_2\"> </span>Nega<span class=\"__10 _471\"/>tivt<span class=\"__10 _469\"> </span>Kassafl\u00f6dess\u00e4kringar<span class=\"__10 _469\"> </span> V<span class=\"__10 _d_9\"/>alutarisk<span class=\"__10 _eb_2\"> </span>459<span class=\"__10 _508\"> </span>503<span class=\"__10 _ac_2\"> </span> 22 007<span class=\"__10 _469\"> </span>S\u00e4kring av nettoin<span class=\"__10 _d_9\"/>vesteringar<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>alutarisk<span class=\"__10 _eb_2\"> </span>260<span class=\"__10 _498\"> </span>188<span class=\"__10 _5a_2\"> </span> 3 7<span class=\"__10 _d_9\"/>49<span class=\"__10 _469\"> </span>Summa derivat som an<span class=\"__10 _471\"/>v\u00e4nds f\u00f6r<span class=\"__10 _469\"> </span> s\u00e4kringsredovisning<span class=\"__10 _588\"> </span>719<span class=\"__10 _498\"> </span>691<span class=\"__10 _9f_2\"> </span> 25 756<span class=\"__10 _469\"> </span>T<span class=\"__10 _479\"/>abellen nedan visar f\u00f6r\u00e4ndringar a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde f<span class=\"__10 _d_9\"/>\u00f6r s\u00e4k-<span class=\"__10 _469\"> </span>ringsinstrument f<span class=\"__10 _d_9\"/>r\u00e5n fortl\u00f6pande s\u00e4kringsf\u00f6rh\u00e5llanden, oa<span class=\"__10 _d_9\"/>v-<span class=\"__10 _469\"> </span>sett om det under \u00e5ret har skett n\u00e5gon f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndring av s\u00e4kring-<span class=\"__10 _469\"> </span>ens klassi\ufb01cering. I tabellen presen<span class=\"__10 _d_9\"/>teras ocks\u00e5 f\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndringar i<span class=\"__10 _469\"> </span> v\u00e4rde p\u00e5 de s\u00e4kr<span class=\"__10 _471\"/>ade poster som an<span class=\"__10 _d_9\"/>v\u00e4nds f\u00f6r att m\u00e4t<span class=\"__10 _471\"/>a s\u00e4k-<span class=\"__10 _469\"> </span><span class=\"__10 _469\">ringarnas ineffek</span><span class=\"__10 _d_9\"/>tivitet<span class=\"__10 _c_9\"/><span class=\"__10 _469\">, d\u00e4r de effek</span><span class=\"__10 _d_9\"/><span class=\"__10 _469\">tiva och ineffek</span><span class=\"__10 _d_9\"/>tiva<span class=\"__10 _469\"> </span> delarna visas separat.<span class=\"__10 _469\"> </span><div class=\"t_10 m0_10 hd_9 ff4_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:707.57697px;\">K3.6  S\u00e4kringsredovisning, forts.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 he_9 ff2_10 fs4_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:132.60345px;\">Genomsnittliga terminskurser f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 he_9 ff2_10 fs4_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:119.07828px;\">instrumen<span class=\"__10 _471\"/>t som s\u00e4krar v<span class=\"__10 _471\"/>alutarisk<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:105.54526px;\">De genomsnittliga terminskurserna f<span class=\"__10 _d_9\"/>\u00f6r instrument som s\u00e4krar<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:92.02008px;\">valutarisk per 31 december f<span class=\"__10 _d_9\"/>ramg\u00e5r av tabellerna nedan.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:64.43213px;\">31 dec 2022<span class=\"__10 _497\"> </span>NOK<span class=\"__10 _547\"> </span>SEK<span class=\"__10 _be_3\"> </span>USD<span class=\"__10 _ca_2\"> </span>RUB<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:47.289032px;\">EUR<span class=\"__10 _13e_1\"> </span>10,37<span class=\"__10 _bf_3\"> </span>10,32<span class=\"__10 _ca_2\"> </span>1,06<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:19.420776px;\">31 dec 2021<span class=\"__10 _13f_1\"> </span>NOK<span class=\"__10 _547\"> </span>SEK<span class=\"__10 _be_3\"> </span>USD<span class=\"__10 _ca_2\"> </span>RUB<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:2.2776794px;\">EUR<span class=\"__10 _610\"> </span>10,<span class=\"__10 _d_9\"/>17<span class=\"__10 _5a_2\"> </span>10,1<span class=\"__10 _471\"/>4<span class=\"__10 _b2_3\"> </span><span class=\"ls1c_7 ws27_7\">1<span class=\"__10 _c_9\"/>,1<span class=\"__10 _c_9\"/>7<span class=\"__10 _1f_6\"> </span></span>83,90<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h8_9 ff1_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:324.7129px;\">L\u00f6ptidspro<span class=\"__10 _471\"/>\ufb01l f\u00f6r nominella belopp i s\u00e4kringsinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:298.4289px;\">31 dec 2022, mn euro<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:267.20538px; bottom:308.1789px;\">Betalbara vid<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:279.55954px; bottom:298.4289px;\">anfordr<span class=\"__10 _d_9\"/>an<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:340.87704px; bottom:308.1789px;\">H\u00f6gst 3<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:336.96808px; bottom:298.4289px;\">m\u00e5nader<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:412.3946px; bottom:308.1789px;\">3\u201312<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:396.65628px; bottom:298.4289px;\">m\u00e5nader<span class=\"__10 _611\"> </span>1\u20135 \u00e5r<span class=\"__10 _1f_6\"> </span>\u00d6ver 5 \u00e5r<span class=\"__10 _7d_3\"> </span><span class=\"ls1d_7 ws28_7\">To<span class=\"__10 _1d_6\"/>t<span class=\"__10 _1d_6\"/>a<span class=\"__10 _1d_6\"/>l<span class=\"__10 _1d_6\"/>t<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:281.28577px;\">Instrument f<span class=\"__10 _d_9\"/>\u00f6r s\u00e4kring av valutarisk<span class=\"__10 _492\"> </span>\u2013<span class=\"__10 _d1_2\"> </span>1 013<span class=\"__10 _537\"> </span><span class=\"ls10_8 ws17_8\">2 797<span class=\"__10 _547\"> </span></span>15 94<span class=\"__10 _c_9\"/>3<span class=\"__10 _494\"> </span>2 045<span class=\"__10 _5e_2\"> </span>21 798<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:264.14136px;\">Summa<span class=\"__10 _612\"> </span>\u2013<span class=\"__10 _494\"> </span>1 013<span class=\"__10 _d1_2\"> </span><span class=\"ls18_8 ws20_7\">2 7<span class=\"__10 _c_9\"/>97<span class=\"__10 _ca_2\"> </span></span>15 943<span class=\"__10 _494\"> </span>2 045<span class=\"__10 _7b_2\"> </span>21 798<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:224.37048px;\">31 dec 2021, mn euro<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:267.20538px; bottom:234.12048px;\">Betalbara vid<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:279.55954px; bottom:224.37048px;\">anfordr<span class=\"__10 _d_9\"/>an<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:340.87704px; bottom:234.12048px;\">H\u00f6gst 3<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:336.96808px; bottom:224.37048px;\">m\u00e5nader<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:412.3946px; bottom:234.12048px;\">3\u201312<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:396.65628px; bottom:224.37048px;\">m\u00e5nader<span class=\"__10 _611\"> </span>1\u20135 \u00e5r<span class=\"__10 _1f_6\"> </span>\u00d6ver 5 \u00e5r<span class=\"__10 _7d_3\"> </span><span class=\"ls1d_7 ws28_7\">To<span class=\"__10 _1d_6\"/>t<span class=\"__10 _1d_6\"/>a<span class=\"__10 _1d_6\"/>l<span class=\"__10 _1d_6\"/>t<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:207.22736px;\">Instrument f<span class=\"__10 _d_9\"/>\u00f6r s\u00e4kring av valutarisk<span class=\"__10 _492\"> </span>\u2013<span class=\"__10 _b2_3\"> </span> 1 450<span class=\"__10 _a2_2\"> </span> 1 888<span class=\"__10 _ca_2\"> </span> 15 275<span class=\"__10 _498\"> </span><span class=\"ls4_9 ws7_9\"> 7 14<span class=\"__10 _c_9\"/>3<span class=\"__10 _1c_6\"> </span></span> 25 756<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:190.08298px;\">Summa<span class=\"__10 _612\"> </span>\u2013<span class=\"__10 _545\"> </span> 1 450<span class=\"__10 _a2_2\"> </span> 1 888<span class=\"__10 _520\"> </span> 15 275<span class=\"__10 _611\"> </span><span class=\"ls4_9 ws7_9\"> 7 14<span class=\"__10 _c_9\"/>3<span class=\"__10 _3f_4\"> </span></span> 25 756<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h8_9 ff1_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:672.9492px;\"><span class=\"__10 _469\">S\u00e4kringens ineffek</span><span class=\"__10 _d_9\"/>tivitet<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:250.30539px; bottom:656.4152px;\">V<span class=\"__10 _d_9\"/>alutarisk<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:640.2458px;\">Mn euro<span class=\"__10 _c5_3\"> </span>2022<span class=\"__10 _6f_2\"> </span>2021<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:619.4189px;\">Kassafl\u00f6dess\u00e4kringar<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:601.6375px;\">F\u00f6r\u00e4ndringar i v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde f\u00f6r s\u00e4kringsinstrumen<span class=\"__10 _471\"/>t<span class=\"__10 _bf_3\"> </span>1 382<span class=\"__10 _cc_3\"> </span>45<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:584.4931px;\">F\u00f6r\u00e4ndringar i v<span class=\"__10 _d_9\"/>\u00e4rde f\u00f6r s\u00e4krade poster som an<span class=\"__10 _d_9\"/>v\u00e4nds<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:573.4457px;\">f\u00f6r redo<span class=\"__10 _471\"/>visning av s\u00e4kringsineff<span class=\"__10 _d_9\"/>ektivitet<span class=\"__10 _4c_2\"> </span>-1 368<span class=\"__10 _568\"> </span>-45<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:556.3013px;\">S\u00e4kringsineffek<span class=\"__10 _d_9\"/>tivitet redovisad i resultatr<span class=\"__10 _471\"/><span class=\"__10 _469\">\u00e4kningen1<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h10_8 ff2_10 fs9_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:215.01312px; bottom:558.5786px;\">,<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:216.67322px; bottom:556.30365px;\"><span class=\"__10 _469\">2</span><span class=\"__10 _518\"> </span><span class=\"ls4_9 ws7_9\">14<span class=\"__10 _9b_2\"> </span></span>\u2013<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:539.15924px;\">Vinster<span class=\"__10 _d_9\"/>/<span class=\"__10 _c_9\"/>f\u00f6rlus<span class=\"__10 _471\"/>ter fr\u00e5n s\u00e4kringar som r<span class=\"__10 _d_9\"/>edovisats under<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:528.1118px;\">\u00f6vrigt totalr<span class=\"__10 _471\"/>esultat<span class=\"__10 _8f_2\"> </span>1 368<span class=\"__10 _bf_3\"> </span>45<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:507.28192px;\">S\u00e4kring av nettoin<span class=\"__10 _d_9\"/>vesteringar<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:490.1375px;\">F\u00f6r\u00e4ndringar i v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde f\u00f6r s\u00e4kringsinstrumen<span class=\"__10 _471\"/>t<span class=\"__10 _545\"> </span>183<span class=\"__10 _483\"> </span><span class=\"ls4_9 ws7_9\">-1<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:472.9931px;\">F\u00f6r\u00e4ndringar i v<span class=\"__10 _d_9\"/>\u00e4rde f\u00f6r s\u00e4krade poster som an<span class=\"__10 _d_9\"/>v\u00e4nds<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:461.94574px;\">f\u00f6r redo<span class=\"__10 _471\"/><span class=\"__10 _469\">visning av s\u00e4kringsineff</span><span class=\"__10 _d_9\"/>ektivitet<span class=\"__10 _ee_3\"> </span>-183<span class=\"__10 _547\"> </span>1<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:444.80133px;\">S\u00e4kringsineffek<span class=\"__10 _d_9\"/>tivitet redovisad i resultatr<span class=\"__10 _471\"/><span class=\"__10 _469\">\u00e4kningen1<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h10_8 ff2_10 fs9_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:215.01312px; bottom:447.078px;\">,<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:216.67322px; bottom:444.80304px;\"><span class=\"__10 _469\">2</span><span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _520\"> </span>\u2013<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:427.65863px;\">Vinster<span class=\"__10 _d_9\"/>/<span class=\"__10 _c_9\"/>f\u00f6rlus<span class=\"__10 _471\"/>ter fr\u00e5n s\u00e4kringar som r<span class=\"__10 _d_9\"/>edovisats under<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:416.6112px;\">\u00f6vrigt totalr<span class=\"__10 _471\"/>esultat<span class=\"__10 _613\"> </span>183<span class=\"__10 _487\"> </span><span class=\"ls4_9 ws7_9\">-1<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:395.47778px;\">1)   <span class=\"__10 _2b_4\"/>Redovisat under posten \u201dNettor<span class=\"__10 _471\"/>esultat a<span class=\"__10 _d_9\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:383.87372px;\">2)   <span class=\"__10 _2b_4\"/><span class=\"__10 _469\">N\u00e4r upplysning l\u00e4mnas om s\u00e4kringsineffektivit</span><span class=\"__10 _471\"/>et har inte v\u00e4r<span class=\"__10 _471\"/>derings-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:15.735992px; bottom:375.0368px;\">justeringarna CV<span class=\"__10 _d_9\"/>A, DV<span class=\"__10 _471\"/>A and FFV<span class=\"__10 _d_9\"/>A beakta<span class=\"__10 _d_9\"/>ts.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h8_9 ff1_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:672.9492px;\">Reserv f<span class=\"__10 _471\"/>\u00f6r kassafl\u00f6dess\u00e4kring<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:571.8341px; bottom:656.4152px;\">V<span class=\"__10 _d_9\"/>alutarisk<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:325.77078px; bottom:640.2458px;\">Mn euro<span class=\"__10 _c5_3\"> </span>2022<span class=\"__10 _6f_2\"> </span>2021<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:325.77078px; bottom:623.1039px;\">Ing\u00e5ende balans 1 jan <span class=\"__10 _570\"> </span><span class=\"ff2_10\">26<span class=\"__10 _4a_2\"> </span><span class=\"ls3_9 ws6_9\">-22<span class=\"__10 _469\"> </span></span></span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:325.77078px; bottom:605.9595px;\">Kassafl\u00f6dess\u00e4kringar:</div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:331.65836px; bottom:588.81506px;\">  V<span class=\"__10 _d_9\"/>\u00e4rdef\u00f6r\u00e4ndringar<span class=\"__10 _db_2\"> </span>1 382<span class=\"__10 _cc_3\"> </span>45</div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:331.65836px; bottom:571.67065px;\">  Skatt p\u00e5 v\u00e4rde<span class=\"__10 _471\"/>f\u00f6r\u00e4ndringar<span class=\"__10 _614\"> </span>-278<span class=\"__10 _514\"> </span>-3</div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:331.65836px; bottom:552.4242px;\">  Omklassi\ufb01cerat till r<span class=\"__10 _471\"/>esultatr<span class=\"__10 _471\"/>\u00e4kningen<span class=\"__10 _8b_2\"> </span>-1 288<span class=\"__10 _5a_2\"> </span>15</div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:331.65836px; bottom:532.89557px;\">  Skatt p\u00e5 omklassi\ufb01cera<span class=\"__10 _d_9\"/>t till resultatr\u00e4kningen<span class=\"__10 _534\"> </span>259<span class=\"__10 _514\"> </span>-9<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:325.77078px; bottom:515.75116px;\">\u00d6vrigt totalresul<span class=\"__10 _d_9\"/>tat<span class=\"__10 _c_9\"/>, netto efter skatt<span class=\"__10 _582\"> </span>75<span class=\"__10 _1f_6\"> </span><span class=\"lse_8 ws14_9\">48<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:325.77078px; bottom:498.60675px;\">T<span class=\"__10 _479\"/>otalresulta<span class=\"__10 _471\"/>t <span class=\"__10 _486\"> </span>75<span class=\"__10 _1f_6\"> </span><span class=\"lse_8 ws14_9\">48<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:325.77078px; bottom:481.46234px;\">Utg\u00e5ende balans 31 dec <span class=\"__10 _f9_2\"> </span>101<span class=\"__10 _cc_3\"> </span>26<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:331.65836px; bottom:464.318px;\">vara<span class=\"__10 _d_9\"/>v fortl\u00f6pande s\u00e4kringar f\u00f6r vilka<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:331.65836px; bottom:453.27057px;\">s\u00e4kringsredovisning till\u00e4mpas<span class=\"__10 _615\"> </span>101<span class=\"__10 _bf_3\"> </span>26<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:331.65836px; bottom:434.5246px;\">vara<span class=\"__10 _d_9\"/>v s\u00e4kringsf\u00f6rh\u00e5llanden f\u00f6r vilka<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:331.65836px; bottom:423.47717px;\">s\u00e4kringsredovisning in<span class=\"__10 _471\"/>te l\u00e4ngre till\u00e4mpas<span class=\"__10 _597\"> </span>\u2013<span class=\"__10 _520\"> </span>\u2013</div>K3.7 Utl\u00e5ning<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>L\u00e5n \u00e4r \ufb01nansiella instrumen<span class=\"__11 _617\"/>t med fas<span class=\"__11 _617\"/>ta eller f<span class=\"__11 _617\"/>astst\u00e4llbar<span class=\"__11 _617\"/>a<span class=\"__11 _624\"> </span> betalningar som int<span class=\"__11 _617\"/>e enkelt kan \u00f6<span class=\"__11 _617\"/>verf\u00f6r<span class=\"__11 _617\"/>as utan g\u00e4lden\u00e4rens<span class=\"__11 _624\"> </span> medgivande. L\u00e5n klassi\ufb01cer<span class=\"__11 _617\"/>as och v\u00e4rder<span class=\"__11 _617\"/>as i enlighet med<span class=\"__11 _624\"> </span> beskrivningen i not K3.3 \u201dKlassi\ufb01cering och v<span class=\"__11 _617\"/>\u00e4rdering\u201d<span class=\"__11 _625\"/>. Nedan<span class=\"__11 _624\"> </span> f\u00f6ljer Nor<span class=\"__11 _617\"/>deas redovisningsprinciper g\u00e4llande kreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span> Mer inf<span class=\"__11 _617\"/>ormation om kreditrisk i utl\u00e5ningen \ufb01nns i no<span class=\"__11 _617\"/>t K11<span class=\"__11 _624\"> </span> \u201dRisk- och likviditetshan<span class=\"__11 _617\"/>tering\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Finansiella instrument s<span class=\"__11 _617\"/>om klassi\ufb01cera<span class=\"__11 _617\"/>ts i kategorin \u201dUpp-<span class=\"__11 _624\"> </span><span class=\"__11 _624\">lupet anskaffningsv</span><span class=\"__11 _617\"/>\u00e4rde\u201d eller \u201dV<span class=\"__11 _625\"/>erkligt v\u00e4rde via \u00f6vrigt tot<span class=\"__11 _617\"/>al-<span class=\"__11 _624\"> </span>resulta<span class=\"__11 _617\"/>t\u201d omfattas a<span class=\"__11 _617\"/>v pr<span class=\"__11 _617\"/>\u00f6vning a<span class=\"__11 _617\"/>v nedskrivningsbehov till<span class=\"__11 _624\"> </span> f\u00f6ljd a<span class=\"__11 _617\"/>v kreditrisk. H\u00e4r ing\u00e5r tillg\u00e5ngar som i balansr<span class=\"__11 _617\"/>\u00e4kningen<span class=\"__11 _624\"> </span> redovisa<span class=\"__11 _617\"/>ts som \u201dUtl\u00e5ning till centr<span class=\"__11 _617\"/>albanker<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>, \u201dUtl\u00e5ning till kre-<span class=\"__11 _624\"> </span>ditinstitut\u201d<span class=\"__11 _625\"/>, \u201dUtl\u00e5ning till allm\u00e4nheten\u201d samt \u201dR\u00e4nteb\u00e4r<span class=\"__11 _617\"/>ande<span class=\"__11 _624\"> </span> v\u00e4rdepapper\u201d<span class=\"__11 _617\"/>. I utl\u00e5ning till allm\u00e4nheten ing\u00e5r \ufb01nansiell lea<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>sing, som ocks\u00e5 omf<span class=\"__11 _617\"/>attas a<span class=\"__11 _617\"/>v pr\u00f6<span class=\"__11 _617\"/>vning a<span class=\"__11 _617\"/>v nedskrivningsbehov<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span> Bland dessa balansposter \ufb01nns \u00e4<span class=\"__11 _617\"/>ven tillg\u00e5ngar s<span class=\"__11 _617\"/>om klassi\ufb01-<span class=\"__11 _624\"> </span>cera<span class=\"__11 _617\"/>ts i kategorin \u201dV<span class=\"__11 _625\"/>erkligt v\u00e4rde via resulta<span class=\"__11 _617\"/>tr\u00e4kningen\u201d och<span class=\"__11 _624\"> </span> som inte om<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>attas a<span class=\"__11 _617\"/>v n\u00e5gon pr\u00f6<span class=\"__11 _617\"/>vning av nedskrivningsbeho-<span class=\"__11 _624\"> </span>vet. Se \u00e4ven no<span class=\"__11 _617\"/>t K3.3 \u201dKlassi\ufb01cering och v\u00e4r<span class=\"__11 _617\"/>dering\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>\u00c4<span class=\"__11 _617\"/>ven \u00e5<span class=\"__11 _617\"/>taganden utan<span class=\"__11 _617\"/>f\u00f6r balansr<span class=\"__11 _617\"/>\u00e4kningen, even<span class=\"__11 _617\"/>tualf\u00f6rplik<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>telser och kredit\u00e5<span class=\"__11 _617\"/>taganden ska pr\u00f6<span class=\"__11 _617\"/>vas f<span class=\"__11 _617\"/>\u00f6r<span class=\"__11 _624\"> </span> nedskrivningsbehov<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Redovisning och pr<span class=\"__11 _617\"/>esent<span class=\"__11 _617\"/>ation<span class=\"__11 _624\"> </span>Tillg\u00e5ngar v\u00e4rder<span class=\"__11 _617\"/><span class=\"__11 _624\">ade till upplupet anskaff</span><span class=\"__11 _617\"/>ningsv\u00e4rde r<span class=\"__11 _617\"/>edovi-<span class=\"__11 _624\"> </span>sas brutto, med en separ<span class=\"__11 _617\"/>at reservering f<span class=\"__11 _617\"/>\u00f6r f<span class=\"__11 _617\"/>\u00f6rv\u00e4ntade kr<span class=\"__11 _617\"/>edit-<span class=\"__11 _624\"> </span>f\u00f6rlus<span class=\"__11 _617\"/>ter om f<span class=\"__11 _617\"/>\u00f6rlust<span class=\"__11 _617\"/>en inte betr<span class=\"__11 _617\"/>akt<span class=\"__11 _617\"/>as som de\ufb01nitiv<span class=\"__11 _625\"/>. Reserverna<span class=\"__11 _624\"> </span> kvittas mot utl\u00e5ningen i balansr\u00e4kningen, men pr<span class=\"__11 _617\"/>esen<span class=\"__11 _617\"/>teras<span class=\"__11 _624\"> </span> separat i denna no<span class=\"__11 _617\"/>t. F\u00f6r\u00e4ndringar a<span class=\"__11 _617\"/>v res<span class=\"__11 _617\"/>erveringar redovisas i<span class=\"__11 _624\"> </span> resulta<span class=\"__11 _617\"/>tr\u00e4kningen och klassi\ufb01cer<span class=\"__11 _617\"/>as som \u201dKreditf<span class=\"__11 _617\"/>\u00f6rlust<span class=\"__11 _617\"/>er<span class=\"__11 _625\"/>,<span class=\"__11 _624\"> </span> netto\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Om nedskrivningen anses var<span class=\"__11 _617\"/>a de\ufb01nitiv redovisas den som<span class=\"__11 _624\"> </span> en konsta<span class=\"__11 _617\"/>terad kr<span class=\"__11 _617\"/>editf\u00f6rlus<span class=\"__11 _617\"/>t, och det redovisade v\u00e4rdet p\u00e5<span class=\"__11 _624\"> </span> l\u00e5net j\u00e4mte tillh\u00f6r<span class=\"__11 _617\"/>ande reservering f<span class=\"__11 _617\"/>\u00f6r kreditf<span class=\"__11 _617\"/>\u00f6rlust<span class=\"__11 _617\"/>er tas bort<span class=\"__11 _624\"> </span> fr\u00e5n balansr<span class=\"__11 _617\"/>\u00e4kningen. En nedskrivning anses var<span class=\"__11 _617\"/>a de\ufb01nitiv<span class=\"__11 _624\"> </span> n\u00e4r konkursans\u00f6kan inges mo<span class=\"__11 _617\"/>t l\u00e5ntagar<span class=\"__11 _617\"/>en och konkursf<span class=\"__11 _617\"/>\u00f6rval-<span class=\"__11 _624\"> </span>taren har presen<span class=\"__11 _617\"/>ter<span class=\"__11 _617\"/>at den ekonomiska ut<span class=\"__11 _617\"/>g\u00e5ngen av k<span class=\"__11 _617\"/>onkurs-<span class=\"__11 _624\"> </span>f\u00f6rf<span class=\"__11 _617\"/>arandet, eller n\u00e4r Nordea eftersk\u00e4nker sina f<span class=\"__11 _617\"/>ordringar<span class=\"__11 _624\"> </span> genom rekonstruk<span class=\"__11 _617\"/>tion p\u00e5 an<span class=\"__11 _617\"/>tingen r\u00e4ttslig eller f<span class=\"__11 _617\"/>rivillig grund<span class=\"__11 _624\"> </span> eller n\u00e4r Nordea a<span class=\"__11 _617\"/>v andra sk\u00e4l bed\u00f6mer \u00e5<span class=\"__11 _617\"/>tervinning av f<span class=\"__11 _617\"/>or-<span class=\"__11 _624\"> </span>dran som osannolik. Se \u00e4<span class=\"__11 _617\"/>ven a<span class=\"__11 _617\"/>vsnittet \u201d<span class=\"__11 _625\"/>A<span class=\"__11 _625\"/>vskrivningar<span class=\"__11 _626\"/>\u201d nedan.<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vs\u00e4ttningar f<span class=\"__11 _617\"/>\u00f6r pos<span class=\"__11 _617\"/>ter utanf<span class=\"__11 _617\"/>\u00f6r balansr<span class=\"__11 _617\"/>\u00e4kningen klassi\ufb01ce-<span class=\"__11 _624\"> </span>ras som \u201d<span class=\"__11 _625\"/>A<span class=\"__11 _625\"/>vs\u00e4ttningar<span class=\"__11 _626\"/>\u201d i balansr\u00e4kningen, med f\u00f6r<span class=\"__11 _617\"/>\u00e4ndringar i<span class=\"__11 _624\"> </span> avs\u00e4<span class=\"__11 _617\"/>ttningar klassi\ufb01cerade som \u201dKr<span class=\"__11 _617\"/>editf\u00f6rl<span class=\"__11 _617\"/>uster<span class=\"__11 _625\"/>, netto\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Tillg\u00e5ngar klassi\ufb01cerade som \u201dV<span class=\"__11 _625\"/>erkligt v\u00e4rde via \u00f6vrigt<span class=\"__11 _624\"> </span> totalr<span class=\"__11 _617\"/>esultat\u201d redovisas till verkligt v<span class=\"__11 _617\"/>\u00e4rde i balansr<span class=\"__11 _617\"/>\u00e4kningen.<span class=\"__11 _624\"> </span> Nedskrivningar ber\u00e4knade i enlighet med IFRS 9 redo<span class=\"__11 _617\"/>visas i<span class=\"__11 _624\"> </span> resulta<span class=\"__11 _617\"/>tr\u00e4kningen och klassi\ufb01cer<span class=\"__11 _617\"/>as som \u201dKreditf<span class=\"__11 _617\"/>\u00f6rlust<span class=\"__11 _617\"/>er<span class=\"__11 _625\"/>,<span class=\"__11 _624\"> </span> netto\u201d<span class=\"__11 _625\"/>. Ev<span class=\"__11 _617\"/>entuella jus<span class=\"__11 _617\"/>teringar till verkligt v<span class=\"__11 _617\"/>\u00e4rde redo<span class=\"__11 _617\"/>visas i<span class=\"__11 _624\"> </span> \u201d\u00d6vrigt totalr<span class=\"__11 _617\"/>esultat\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span> Pr\u00f6vning a<span class=\"__11 _617\"/>v nedskrivningsbehov<span class=\"__11 _624\"> </span> Nordea klassi\ufb01cerar alla l\u00e5ne<span class=\"__11 _617\"/>for<span class=\"__11 _617\"/>dringar i olika kategorier p\u00e5<span class=\"__11 _624\"> </span> individuell basis. Kat<span class=\"__11 _617\"/>egori 1 inkluderar tillg\u00e5ngar utan bety-<span class=\"__11 _624\"> </span>dande \u00f6kning av kr<span class=\"__11 _617\"/>editrisken sedan f<span class=\"__11 _617\"/>\u00f6rsta redo<span class=\"__11 _617\"/>visningstillf<span class=\"__11 _617\"/>\u00e4l-<span class=\"__11 _624\"> </span>let, kategori 2 inkluderar tillg\u00e5ngar med bety<span class=\"__11 _617\"/>dande \u00f6kning av<span class=\"__11 _624\"> </span> kreditrisken och ka<span class=\"__11 _617\"/>tegori 3 (os\u00e4kr<span class=\"__11 _617\"/>a l\u00e5nefor<span class=\"__11 _617\"/>dringar) inkluderar<span class=\"__11 _624\"> </span> faller<span class=\"__11 _617\"/>ade tillg\u00e5ngar<span class=\"__11 _625\"/>. Nordea f\u00f6ljer upp om det \ufb01nns indikatio-<span class=\"__11 _624\"> </span>ner p\u00e5 kreditf<span class=\"__11 _617\"/>\u00f6rs\u00e4mring (kategori 3) genom att iden<span class=\"__11 _617\"/>ti\ufb01era<span class=\"__11 _624\"> </span> h\u00e4ndelser med negativ inv<span class=\"__11 _617\"/>erkan p\u00e5 ber\u00e4knade f<span class=\"__11 _617\"/>ramtida k<span class=\"__11 _617\"/>as-<span class=\"__11 _624\"> </span>safl\u00f6den (f<span class=\"__11 _617\"/>\u00f6rlusth\u00e4ndelse<span class=\"__11 _617\"/>). Nordea till\u00e4mpar samma de\ufb01ni-<span class=\"__11 _624\"> </span>tion p\u00e5 fallissemang som i k<span class=\"__11 _617\"/>apitalt\u00e4ckningsf<span class=\"__11 _617\"/>\u00f6rordningen. Mer<span class=\"__11 _624\"> </span> inf<span class=\"__11 _617\"/>ormation om iden<span class=\"__11 _617\"/>ti\ufb01ering a<span class=\"__11 _617\"/>v f\u00f6rlus<span class=\"__11 _617\"/>th\u00e4ndelser \ufb01nns i not<span class=\"__11 _624\"> </span> K11 \u201dRisk- och likviditetshan<span class=\"__11 _617\"/>tering\u201d<span class=\"__11 _625\"/>. L\u00e5nef<span class=\"__11 _617\"/>ordringar som in<span class=\"__11 _617\"/>te<span class=\"__11 _624\"> </span> har individuellt ber\u00e4knade re<span class=\"__11 _617\"/>server ing\u00e5r i pr\u00f6vningen a<span class=\"__11 _617\"/>v<span class=\"__11 _624\"> </span> nedskrivningsbehovet baser<span class=\"__11 _617\"/>at p\u00e5 st<span class=\"__11 _617\"/>atistiska modeller<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>F\u00f6r l\u00e5nef<span class=\"__11 _617\"/>ordringar med bety<span class=\"__11 _617\"/>dande v\u00e4rde d\u00e4r en kr<span class=\"__11 _617\"/>edith\u00e4n<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>delse har identi\ufb01er<span class=\"__11 _617\"/>ats, pr\u00f6<span class=\"__11 _617\"/>vas nedskrivningsbehov<span class=\"__11 _617\"/>et p\u00e5 indivi<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>duell basis. Om l\u00e5nefor<span class=\"__11 _617\"/>dringen bed\u00f6ms vara os\u00e4k<span class=\"__11 _617\"/>er g\u00f6rs en<span class=\"__11 _624\"> </span> individuell reservering. Det redo<span class=\"__11 _617\"/>visade v\u00e4rdet p\u00e5 l\u00e5nef<span class=\"__11 _617\"/>ordring<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>en j\u00e4mf<span class=\"__11 _617\"/>\u00f6rs med den nuv\u00e4rdesber<span class=\"__11 _617\"/>\u00e4knade summan av f<span class=\"__11 _617\"/>\u00f6rv\u00e4n<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>tade fram<span class=\"__11 _617\"/>tida kassafl\u00f6den. Om det r<span class=\"__11 _617\"/>edovisade v\u00e4r<span class=\"__11 _617\"/>det \u00e4r h\u00f6gre<span class=\"__11 _624\"> </span> redovisas skillnaden som en nedskrivningsf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>t. De f\u00f6rv\u00e4n<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>tade kassafl\u00f6dena diskon<span class=\"__11 _617\"/>ter<span class=\"__11 _617\"/><span class=\"__11 _624\">as med den ursprungliga effek</span><span class=\"__11 _617\"/>tiva<span class=\"__11 _624\"> </span> r\u00e4n<span class=\"__11 _617\"/>tan och innefa<span class=\"__11 _617\"/>ttar verkligt v<span class=\"__11 _617\"/>\u00e4rde f<span class=\"__11 _617\"/>\u00f6r s\u00e4kerheter och andra<span class=\"__11 _624\"> </span> kreditf<span class=\"__11 _617\"/>\u00f6rst\u00e4rkningar<span class=\"__11 _625\"/>. Nuv\u00e4rdesber\u00e4kningen baser<span class=\"__11 _617\"/>as p\u00e5 tre<span class=\"__11 _624\"> </span> olika fram\u00e5<span class=\"__11 _617\"/>tblickande scenarier som \u00e4r sannolikhetsvik<span class=\"__11 _617\"/>tade.<span class=\"__11 _624\"> </span>F\u00f6r l\u00e5nef<span class=\"__11 _617\"/>ordringar som in<span class=\"__11 _617\"/>te \u00e4r bety<span class=\"__11 _617\"/>dande d\u00e4r ett individu-<span class=\"__11 _624\"> </span>ellt nedskrivningsbehov har iden<span class=\"__11 _617\"/>ti\ufb01erats, ber<span class=\"__11 _617\"/>\u00e4knas nedskriv-<span class=\"__11 _624\"> </span>ningsbeloppet utifr\u00e5n den modell som be<span class=\"__11 _617\"/>skrivs nedan, men<span class=\"__11 _624\"> </span> med h\u00e4nsyn till att l\u00e5nef<span class=\"__11 _617\"/>ordringarna redan \u00e4r f<span class=\"__11 _617\"/>allerade.<span class=\"__11 _624\"> </span>Nordea anv<span class=\"__11 _617\"/>\u00e4nder sig inte a<span class=\"__11 _617\"/>v undan<span class=\"__11 _617\"/>taget \u201dl\u00e5g kreditrisk\u201d i<span class=\"__11 _624\"> </span> bankverksamheten, men d\u00e4remo<span class=\"__11 _617\"/>t f\u00f6r en mindr<span class=\"__11 _617\"/>e portf\u00f6lj a<span class=\"__11 _617\"/>v<span class=\"__11 _624\"> </span> r\u00e4n<span class=\"__11 _617\"/>teb\u00e4rande v<span class=\"__11 _617\"/>\u00e4rdepapper i f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsr\u00f6relsen.<span class=\"__11 _624\"> </span> Pr\u00f6vning a<span class=\"__11 _617\"/>v nedskrivningsbehov f<span class=\"__11 _625\"/>\u00f6r l\u00e5n<span class=\"__11 _624\"> </span> v\u00e4rder<span class=\"__11 _617\"/>ade enligt statis<span class=\"__11 _617\"/>tiska modeller<span class=\"__11 _624\"> </span>F\u00f6r l\u00e5nef<span class=\"__11 _617\"/>ordringar d\u00e4r inget nedskrivningsbeho<span class=\"__11 _617\"/>v identi\ufb01er<span class=\"__11 _617\"/>a-<span class=\"__11 _624\"> </span>des i den individuella pr\u00f6vningen an<span class=\"__11 _617\"/>v\u00e4nds en kollek<span class=\"__11 _617\"/>tiv modell<span class=\"__11 _624\"> </span> f\u00f6r ber<span class=\"__11 _617\"/>\u00e4kning av nedskrivningsbeho<span class=\"__11 _617\"/>v<span class=\"__11 _625\"/>. Reserveringarna ber\u00e4k-<span class=\"__11 _624\"> </span>nas som l\u00e5nefor<span class=\"__11 _617\"/>dring vid falliss<span class=\"__11 _617\"/>emang g\u00e5nger sannolikheten<span class=\"__11 _624\"> </span> f\u00f6r f<span class=\"__11 _617\"/>allissemang g\u00e5nger f<span class=\"__11 _617\"/>\u00f6rlust<span class=\"__11 _617\"/>en i h\u00e4ndelse av f<span class=\"__11 _617\"/>allissemang.<span class=\"__11 _624\"> </span> F\u00f6r tillg\u00e5ngar i ka<span class=\"__11 _617\"/>tegori 1 baser<span class=\"__11 _617\"/>as ber\u00e4kningen endast p\u00e5 de<span class=\"__11 _624\"> </span> kommande 12 m\u00e5naderna, medan den f<span class=\"__11 _617\"/>\u00f6r tillg\u00e5ngar i kate-<span class=\"__11 _624\"> </span>gori 2 och 3 baseras p\u00e5 tillg\u00e5ngens f<span class=\"__11 _617\"/>\u00f6rv\u00e4ntade l\u00f6p<span class=\"__11 _617\"/>tid.<span class=\"__11 _624\"> </span>Reserveringar f<span class=\"__11 _617\"/>\u00f6r l\u00e5nef<span class=\"__11 _617\"/>ordringar d\u00e4r det int<span class=\"__11 _617\"/>e skett n\u00e5gon<span class=\"__11 _624\"> </span> betydande \u00f6kning a<span class=\"__11 _617\"/>v kreditrisken sedan f<span class=\"__11 _617\"/>\u00f6rsta r<span class=\"__11 _617\"/>edovisnings-<span class=\"__11 _624\"> </span>tillf\u00e4llet baser<span class=\"__11 _617\"/>as p\u00e5 f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tade kreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter under kom-<span class=\"__11 _624\"> </span>mande 12 m\u00e5nader (kategori 1). R<span class=\"__11 _617\"/>eserveringar f\u00f6r l\u00e5ne<span class=\"__11 _617\"/>for<span class=\"__11 _617\"/>d-<span class=\"__11 _624\"> </span>ringar d\u00e4r det har skett en betydande \u00f6kning a<span class=\"__11 _617\"/>v kreditrisk<span class=\"__11 _617\"/>en<span class=\"__11 _624\"> </span> sedan f\u00f6rst<span class=\"__11 _617\"/>a redovisnings<span class=\"__11 _617\"/>tillf\u00e4llet, men d\u00e4r ingen nedskriv-<span class=\"__11 _624\"> </span>ning har gjorts, baseras p\u00e5 f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tade kreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter under<span class=\"__11 _624\"> </span> hela den \u00e5terst\u00e5ende l\u00f6p<span class=\"__11 _617\"/>tiden (kategori 2). Dett<span class=\"__11 _617\"/>a g\u00e4ller \u00e4v<span class=\"__11 _617\"/>en<span class=\"__11 _624\"> </span> f\u00f6r os\u00e4kr<span class=\"__11 _617\"/>a for<span class=\"__11 _617\"/>dringar som int<span class=\"__11 _617\"/>e \u00e4r betydande i kat<span class=\"__11 _617\"/>egori 3.<span class=\"__11 _624\"> </span>Nordea<span class=\"ws3_10\"> anv<span class=\"__11 _617\"/>\u00e4nder tv\u00e5 olika modeller f<span class=\"__11 _617\"/>\u00f6r att f<span class=\"__11 _617\"/>asts<span class=\"__11 _617\"/>t\u00e4lla om det<span class=\"__11 _624\"> </span></span><span class=\"ws3_10\"> </span>har skett en betydande \u00f6kning a<span class=\"__11 _617\"/>v kreditrisken ell<span class=\"__11 _617\"/>er inte. F<span class=\"__11 _617\"/>\u00f6r<span class=\"__11 _624\"> </span> tillg\u00e5ngar som innehades vid \u00f6ver<span class=\"__11 _617\"/>g\u00e5ngen till IFRS 9 den<span class=\"__11 _624\"> </span> <span class=\"__11 _624\">1 januari 2018 anv\u00e4nds f</span><span class=\"__11 _617\"/>\u00f6r\u00e4ndringen i in<span class=\"__11 _617\"/>terna r<span class=\"__11 _617\"/>ating- och sco<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ringuppgifter f\u00f6r a<span class=\"__11 _617\"/>tt fas<span class=\"__11 _617\"/>tst\u00e4lla om det sk<span class=\"__11 _617\"/>ett en betydande<span class=\"__11 _624\"> </span> \u00f6kning av kr<span class=\"__11 _617\"/>editrisken eller in<span class=\"__11 _617\"/>te. Int<span class=\"__11 _617\"/>erna rating-/<span class=\"__11 _617\"/>scoringuppgif<span class=\"__11 _617\"/><span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ter anv\u00e4nds f<span class=\"__11 _617\"/>\u00f6r a<span class=\"__11 _617\"/>tt bed\u00f6ma risken hos kunderna, och en f<span class=\"__11 _617\"/>\u00f6r<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>s\u00e4mrad ra<span class=\"__11 _617\"/>ting/s<span class=\"__11 _617\"/>coring f\u00f6r en k<span class=\"__11 _617\"/>und tyder p\u00e5 a<span class=\"__11 _617\"/>tt kreditrisken har<span class=\"__11 _624\"> </span> \u00f6kat. Nordea<span class=\"ws3_10\"> har dragit slutsa<span class=\"__11 _617\"/>tsen att det in<span class=\"__11 _617\"/>te \u00e4r m\u00f6jligt att vid<span class=\"__11 _624\"> </span></span><span class=\"ws3_10\"> </span>kreditgivningen ber\u00e4kna sannolikhet<span class=\"__11 _617\"/>en f\u00f6r f<span class=\"__11 _617\"/>allissemang (PD<span class=\"__11 _617\"/>)<span class=\"__11 _624\"> </span> f\u00f6r den \u00e5<span class=\"__11 _617\"/>terst\u00e5ende l\u00f6ptiden ut<span class=\"__11 _617\"/>an bed\u00f6mningar i efterhand a<span class=\"__11 _617\"/>v<span class=\"__11 _624\"> </span> tillg\u00e5ngar som redan redo<span class=\"__11 _617\"/>visas i balansr\u00e4kningen vid \u00f6v<span class=\"__11 _617\"/>er<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>g\u00e5ngen. F\u00f6r<span class=\"__11 _617\"/>\u00e4ndringar i PD f\u00f6r den \u00e5<span class=\"__11 _617\"/>terst\u00e5ende l\u00f6p<span class=\"__11 _617\"/>tiden<span class=\"__11 _624\"> </span> anv\u00e4nds som utl\u00f6sande f<span class=\"__11 _617\"/>ak<span class=\"__11 _617\"/>tor f<span class=\"__11 _617\"/>\u00f6r tillg\u00e5ngar redovisade eft<span class=\"__11 _617\"/>er<span class=\"__11 _624\"> </span> \u00f6verg\u00e5ngen<span class=\"__11 _624\"> </span>.<span class=\"__11 _624\"> </span>144<span class=\"__11 _624\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__11 _624\"> </span>Inledning<span class=\"__11 _616\"> </span><span class=\"__11 _624\">Aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5den<span class=\"__11 _618\"/><span class=\"ws3_10\">V<span class=\"__11 _617\"/>\u00e5ra in<span class=\"__11 _617\"/>tressent<span class=\"__11 _617\"/>er<span class=\"__11 _619\"> </span><span class=\"ff1_11\">Finansiella rapporter<span class=\"__11 _620\"/><span class=\"ff2_11 ws2_10\">F\u00f6rvaltningsber<span class=\"__11 _617\"/>\u00e4ttelse<span class=\"__11 _621\"> </span>H\u00e5llbarhetsnoter<span class=\"__11 _622\"> </span>\u00d6vrigt<span class=\"__11 _623\"/><span class=\"ws3_10\">Strategisk r<span class=\"__11 _617\"/>apport<span class=\"__11 _624\"> </span></span></span></span></span>F\u00f6r tillg\u00e5ngar som bed\u00f6ms utif<span class=\"__11 _617\"/>r\u00e5n PD f<span class=\"__11 _617\"/>\u00f6r den \u00e5ters<span class=\"__11 _617\"/>t\u00e5ende<span class=\"__11 _624\"> </span> l\u00f6ptiden anv<span class=\"__11 _617\"/>\u00e4nder Nordea en blandning a<span class=\"__11 _617\"/>v absoluta och r<span class=\"__11 _617\"/>ela-<span class=\"__11 _624\"> </span>tiva f<span class=\"__11 _617\"/>\u00f6r\u00e4ndringar i PD som kriterium f<span class=\"__11 _617\"/>\u00f6r \u00f6v<span class=\"__11 _617\"/>erf\u00f6ringen.<span class=\"__11 _624\"> </span> \u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">Retail-k<span class=\"__11 _617\"/>under med ett ursprungligt tolvm\u00e5naders PD under<span class=\"__11 _624\"> </span></span><span class=\"ws6_10\"> </span>1 procen<span class=\"__11 _617\"/>t: L\u00e5nefordringar med en r<span class=\"__11 _617\"/>elativ \u00f6kning i PD f<span class=\"__11 _617\"/>\u00f6r den<span class=\"__11 _624\"> </span> \u00e5terst\u00e5ende l\u00f6p<span class=\"__11 _617\"/>tiden p\u00e5 \u00f6ver 100 pr<span class=\"__11 _617\"/>ocen<span class=\"__11 _617\"/>t och en absolut<span class=\"__11 _624\"> </span> \u00f6kning av t<span class=\"__11 _617\"/>olvm\u00e5naders PD p\u00e5 \u00f6ver 45 punk<span class=\"__11 _617\"/>ter \u00f6<span class=\"__11 _617\"/>verf\u00f6rs till<span class=\"__11 _624\"> </span> kategori 2.<span class=\"__11 _624\"> </span> \u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">Retail-k<span class=\"__11 _617\"/>under med ett ursprungligt tolvm\u00e5naders PD \u00f6v<span class=\"__11 _617\"/>er<span class=\"__11 _624\"> </span></span><span class=\"ws6_10\"> </span>eller lika med 1 procen<span class=\"__11 _617\"/>t: L\u00e5nefor<span class=\"__11 _617\"/>dringar med en relativ<span class=\"__11 _624\"> </span> \u00f6kning i PD f\u00f6r den \u00e5<span class=\"__11 _617\"/>terst\u00e5ende l\u00f6ptiden p\u00e5 \u00f6<span class=\"__11 _617\"/>ver 100 pro<span class=\"ws3_10\">-<span class=\"__11 _624\"> </span></span>cent eller en abs<span class=\"__11 _617\"/>olut \u00f6kning a<span class=\"__11 _617\"/>v tolvm\u00e5naders PD p\u00e5 \u00f6v<span class=\"__11 _617\"/>er<span class=\"__11 _624\"> </span> 300 punkter \u00f6<span class=\"__11 _617\"/>verf\u00f6rs till ka<span class=\"__11 _617\"/>tegori 2.<span class=\"__11 _624\"> </span> \u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">F\u00f6r<span class=\"__11 _617\"/>etags- och institutionella kunder med ett ursprungligt<span class=\"__11 _624\"> </span></span><span class=\"ws6_10\"> </span>tolvm\u00e5naders PD under 0,5 procen<span class=\"__11 _617\"/>t: L\u00e5nef<span class=\"__11 _617\"/>ordringar med en<span class=\"__11 _624\"> </span> relativ \u00f6kning i PD f<span class=\"__11 _617\"/>\u00f6r den \u00e5ters<span class=\"__11 _617\"/>t\u00e5ende l\u00f6ptiden p\u00e5 \u00f6v<span class=\"__11 _617\"/>er<span class=\"__11 _624\"> </span> <span class=\"__11 _624\">150 </span><span class=\"__11 _617\"/>proc<span class=\"__11 _617\"/>ent och en absol<span class=\"__11 _617\"/>ut \u00f6kning av t<span class=\"__11 _617\"/>olvm\u00e5naders PD p\u00e5<span class=\"__11 _624\"> </span> \u00f6ver 20 punk<span class=\"__11 _617\"/>ter \u00f6v<span class=\"__11 _617\"/>erf\u00f6rs till kat<span class=\"__11 _617\"/>egori 2.<span class=\"__11 _624\"> </span> \u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">F\u00f6retags- och ins<span class=\"__11 _617\"/>titutionella kunder med ett ursprungligt<span class=\"__11 _624\"> </span></span><span class=\"ws6_10\"> </span>tolvm\u00e5naders PD p\u00e5 \u00f6v<span class=\"__11 _617\"/>er eller lika med 0,5 procen<span class=\"__11 _617\"/>t: L\u00e5nefor<span class=\"ls1_11 ws3_10\">-<span class=\"__11 _624\"> </span></span>dringar med en relativ \u00f6kning i PD f<span class=\"__11 _617\"/>\u00f6r den \u00e5t<span class=\"__11 _617\"/>erst\u00e5ende l\u00f6p<span class=\"ls1_11 ws3_10\">-<span class=\"__11 _624\"> </span></span>tiden p\u00e5 \u00f6ver 150 proc<span class=\"__11 _617\"/>ent eller en absol<span class=\"__11 _617\"/>ut \u00f6kning av<span class=\"__11 _624\"> </span> tolvm\u00e5naders PD p\u00e5 \u00f6v<span class=\"__11 _617\"/>er 400 punkter \u00f6<span class=\"__11 _617\"/>verf<span class=\"__11 _617\"/>\u00f6rs till kategori 2.<span class=\"__11 _624\"> </span>F\u00f6r tillg\u00e5ngar d\u00e4r r<span class=\"__11 _617\"/>ating- och scoringmodeller an<span class=\"__11 _617\"/>v\u00e4nds, kali-<span class=\"__11 _624\"> </span>breras r<span class=\"__11 _617\"/>ating-/<span class=\"__11 _617\"/>scoringf<span class=\"__11 _617\"/>\u00f6r\u00e4ndringen f<span class=\"__11 _617\"/>\u00f6r att ma<span class=\"__11 _617\"/>tcha den bety-<span class=\"__11 _624\"> </span>dande \u00f6kningen av kr<span class=\"__11 _617\"/>editrisken utifr<span class=\"__11 _617\"/>\u00e5n PD f\u00f6r den \u00e5<span class=\"__11 _617\"/>terst\u00e5<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>ende l\u00f6ptiden. Dessutom \u00f6<span class=\"__11 _617\"/>verf\u00f6rs kunder s<span class=\"__11 _617\"/>om omf<span class=\"__11 _617\"/>attas a<span class=\"__11 _617\"/>v<span class=\"__11 _624\"> </span> f\u00f6rmildr<span class=\"__11 _617\"/>ande kreditvillkor och k<span class=\"__11 _617\"/>under som \u00e4r mer \u00e4n 30 dagar<span class=\"__11 _624\"> </span> sena med sina betalningar till kategori 2, s\u00e5<span class=\"__11 _625\"/>vida inte ett ned-<span class=\"__11 _624\"> </span>skrivningsbehov redan har iden<span class=\"__11 _617\"/>ti\ufb01era<span class=\"__11 _617\"/>ts (kategori 3). L\u00e5ne-<span class=\"__11 _624\"> </span>for<span class=\"__11 _617\"/>dringar som omf<span class=\"__11 _617\"/>attas a<span class=\"__11 _617\"/>v f<span class=\"__11 _617\"/>\u00f6rmildrande kr<span class=\"__11 _617\"/>editvillkor kvar-<span class=\"__11 _624\"> </span>st\u00e5r i kat<span class=\"__11 _617\"/>egori 2 under en pr\u00f6v<span class=\"__11 _617\"/>otid p\u00e5 2<span class=\"__11 _617\"/>4 m\u00e5nader<span class=\"__11 _625\"/>, fr\u00e5n och<span class=\"__11 _624\"> </span> med den tidpunkt d\u00e5 \u00e5<span class=\"__11 _617\"/>tg\u00e4rderna in<span class=\"__11 _617\"/>f\u00f6r<span class=\"__11 _617\"/>des. N\u00e4r l\u00e5nefor<span class=\"__11 _617\"/>dring-<span class=\"__11 _624\"> </span>arna efter pr\u00f6v<span class=\"__11 _617\"/>otidens slut \u00e5<span class=\"__11 _617\"/>terf\u00f6rs till ka<span class=\"__11 _617\"/>tegori 1 hant<span class=\"__11 _617\"/>eras de<span class=\"__11 _624\"> </span> p\u00e5 samma s\u00e4tt som andra l\u00e5nef<span class=\"__11 _617\"/>or<span class=\"__11 _617\"/>dringar i kategori 1 i f<span class=\"__11 _617\"/>r\u00e5ga<span class=\"__11 _624\"> </span> om bed\u00f6mningen av om det f<span class=\"__11 _617\"/>\u00f6religger en v<span class=\"__11 _617\"/>\u00e4sentlig \u00f6kning a<span class=\"__11 _625\"/>v<span class=\"__11 _624\"> </span> kreditrisken. L\u00e5nef<span class=\"__11 _617\"/>ordringar d\u00e4r k<span class=\"__11 _617\"/>underna \u00e4r mer \u00e4n 90 dagar<span class=\"__11 _624\"> </span> sena med sina betalningar klassi\ufb01ceras normal<span class=\"__11 _617\"/>t i kategori 3,<span class=\"__11 _624\"> </span> men denna klassi\ufb01cering \u00e4ndras om det \ufb01nns bevis f<span class=\"__11 _617\"/>\u00f6r att<span class=\"__11 _624\"> </span> kunden int<span class=\"__11 _617\"/>e har faller<span class=\"__11 _617\"/>at. S\u00e5dana l\u00e5nefor<span class=\"__11 _617\"/>dringar klassi\ufb01ceras i<span class=\"__11 _624\"> </span> kategori 2. L\u00e5ne<span class=\"__11 _617\"/>for<span class=\"__11 _617\"/>dringar med \u201dh\u00f6g risk\u201d<span class=\"__11 _625\"/>, det vill s\u00e4ga med<span class=\"__11 _624\"> </span> en rating p\u00e5 2 eller l\u00e4gr<span class=\"__11 _617\"/>e, \u00f6verf<span class=\"__11 _617\"/>\u00f6rs ocks\u00e5 till kategori 2.  Vid ber\u00e4kningen a<span class=\"__11 _617\"/>v reserveringar<span class=\"__11 _625\"/>, inklusive kategoriindel<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>ningen, anv\u00e4nds b\u00e5de his<span class=\"__11 _617\"/>torisk inf<span class=\"__11 _617\"/>ormation och sannolikhets-<span class=\"__11 _624\"> </span>viktad, f<span class=\"__11 _617\"/>ram\u00e5tblickande in<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>ormation. Nordea an<span class=\"__11 _617\"/>v\u00e4nder tre<span class=\"__11 _624\"> </span> makroekonomiska sc<span class=\"__11 _617\"/>enarier f\u00f6r a<span class=\"__11 _617\"/>tt ta h\u00e4nsyn till de icke-linj\u00e4-<span class=\"__11 _624\"> </span>ra aspek<span class=\"__11 _617\"/>terna a<span class=\"__11 _617\"/>v f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tade kreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter<span class=\"__11 _625\"/>. De olika scenari-<span class=\"__11 _624\"> </span>erna anv\u00e4nds f<span class=\"__11 _617\"/>\u00f6r att jus<span class=\"__11 _617\"/>tera de ak<span class=\"__11 _617\"/>tuella parametr<span class=\"__11 _617\"/>arna f\u00f6r<span class=\"__11 _624\"> </span> ber\u00e4kning a<span class=\"__11 _617\"/>v f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tade kreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter<span class=\"__11 _625\"/>, och ett sannolikhets-<span class=\"__11 _624\"> </span>vikta<span class=\"__11 _617\"/>t genomsnitt av de f<span class=\"__11 _617\"/>\u00f6rv\u00e4n<span class=\"__11 _617\"/>tade f<span class=\"__11 _617\"/>\u00f6rlusterna enligt r<span class=\"__11 _617\"/>espek-<span class=\"__11 _624\"> </span>tive scenario r<span class=\"__11 _617\"/>edovisas som res<span class=\"__11 _617\"/>erveringar<span class=\"__11 _617\"/>. Modellen anv<span class=\"__11 _617\"/>\u00e4nder<span class=\"__11 _624\"> </span> sig av da<span class=\"__11 _617\"/>ta som samlats in f<span class=\"__11 _617\"/>\u00f6re balansdagen, vilk<span class=\"__11 _617\"/>et inneb\u00e4r<span class=\"__11 _624\"> </span> att Nordea m\u00e5s<span class=\"__11 _617\"/>te identi\ufb01er<span class=\"__11 _617\"/>a h\u00e4ndelser som skulle k<span class=\"__11 _617\"/>unna<span class=\"__11 _624\"> </span> p\u00e5v<span class=\"__11 _617\"/>erka reserveringarna efter da<span class=\"__11 _617\"/>tainsamlingen. Ledningen<span class=\"__11 _624\"> </span> utv\u00e4rder<span class=\"__11 _617\"/>ar dessa h\u00e4ndelser och juster<span class=\"__11 _617\"/>ar reserveringarna, om<span class=\"__11 _624\"> </span> detta bed\u00f6ms n\u00f6dv\u00e4ndigt.<span class=\"__11 _624\"> </span>Bortskrivningar<span class=\"__11 _624\"> </span>Bortskrivningar inneb\u00e4r att l\u00e5n eller kundf<span class=\"__11 _617\"/>ordringar a<span class=\"__11 _617\"/>vf\u00f6rs<span class=\"__11 _624\"> </span> fr\u00e5n balansr<span class=\"__11 _617\"/>\u00e4kningen samtidigt som mo<span class=\"__11 _617\"/>tsvar<span class=\"__11 _617\"/>ande kreditf<span class=\"__11 _617\"/>\u00f6r-<span class=\"__11 _624\"> </span>lustres<span class=\"__11 _617\"/>ervering realiseras. N\u00e4r f<span class=\"__11 _617\"/>ordringar bed\u00f6ms v<span class=\"__11 _617\"/>ara om\u00f6j-<span class=\"__11 _624\"> </span>liga att driva in ska de snar<span class=\"__11 _617\"/>ast m\u00f6jligt bortskrivas, oa<span class=\"__11 _617\"/>vsett om<span class=\"__11 _624\"> </span> det r\u00e4ttsliga anspr<span class=\"__11 _617\"/>\u00e5ket kvarst<span class=\"__11 _617\"/>\u00e5r eller inte. En bortskrivning<span class=\"__11 _624\"> </span> kan g\u00f6ras innan ev<span class=\"__11 _617\"/>entuella r<span class=\"__11 _617\"/>\u00e4ttsliga \u00e5tg\u00e4r<span class=\"__11 _617\"/>der mot l\u00e5n<span class=\"__11 _617\"/>tagaren,<span class=\"__11 _624\"> </span>f\u00f6r a<span class=\"__11 _617\"/>tt \u00e5tervinna skulden, har slutf<span class=\"__11 _617\"/>\u00f6rts. \u00c4<span class=\"__11 _625\"/>ven om en for<span class=\"__11 _617\"/>dran<span class=\"__11 _624\"> </span> som inte k<span class=\"__11 _617\"/>an drivas in bortskrivs eller avf<span class=\"__11 _617\"/>\u00f6rs fr\u00e5n balansr<span class=\"__11 _617\"/>\u00e4k-<span class=\"__11 _624\"> </span>ningen har kunden en r\u00e4<span class=\"__11 _617\"/>ttslig skyldighet att betala den ute-<span class=\"__11 _624\"> </span>st\u00e5ende skulden. Vid bed\u00f6mningen a<span class=\"__11 _617\"/>v huruvida os\u00e4kr<span class=\"__11 _617\"/>a l\u00e5ne-<span class=\"__11 _624\"> </span>for<span class=\"__11 _617\"/>dringar kan \u00e5tervinnas och om bortskrivning kr\u00e4<span class=\"__11 _617\"/>vs, \u00e4r det<span class=\"__11 _624\"> </span> fram<span class=\"__11 _617\"/>f\u00f6r all<span class=\"__11 _617\"/>t l\u00e5nef<span class=\"__11 _617\"/>ordringar med f<span class=\"__11 _617\"/>\u00f6ljande egenskaper som st\u00e5r<span class=\"__11 _624\"> </span> i fok<span class=\"__11 _617\"/>us (listan \u00e4r in<span class=\"__11 _617\"/>te utt\u00f6mmande):<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">L\u00e5nef<span class=\"__11 _617\"/>ordringar d\u00e4r kunderna \u00e4r mer \u00e4n 90 dagar sena med<span class=\"__11 _624\"> </span></span><span class=\"ws6_10\"> </span>betalningen. Om en l\u00e5nefor<span class=\"__11 _617\"/>dring, eller del a<span class=\"__11 _617\"/>v den, efter den<span class=\"__11 _624\"> </span> h\u00e4r bed\u00f6mningen anses var<span class=\"__11 _617\"/>a om\u00f6jlig att driva in, bortskrivs<span class=\"__11 _624\"> </span> den.<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">L\u00e5nef<span class=\"__11 _617\"/>ordringar som omf<span class=\"__11 _617\"/>a<span class=\"__11 _617\"/>ttas av ins<span class=\"__11 _617\"/>olvensf<span class=\"__11 _617\"/>\u00f6rfar<span class=\"__11 _617\"/>ande och<span class=\"__11 _624\"> </span></span><span class=\"ws6_10\"> </span>har l\u00e5g s\u00e4kerhetst\u00e4ckning.<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">L\u00e5nef<span class=\"__11 _617\"/>ordringar d\u00e4r juridiska kos<span class=\"__11 _617\"/>tnader f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tas f<span class=\"__11 _617\"/>\u00f6rbruka<span class=\"__11 _624\"> </span></span><span class=\"ws6_10\"> </span>beh\u00e5llningen fr\u00e5n k<span class=\"__11 _617\"/>onkursf\u00f6rf<span class=\"__11 _617\"/>arandet, med l\u00e5ga \u00e5tervin<span class=\"ws3_10\">-<span class=\"__11 _624\"> </span></span>ningsv\u00e4rden som f<span class=\"__11 _617\"/>\u00f6ljd.<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">Delbortskrivning kan vara bef<span class=\"__11 _617\"/>ogad n\u00e4r det \ufb01nns rimliga<span class=\"__11 _624\"> </span></span><span class=\"ws6_10\"> </span>ekonomiska bel\u00e4gg f<span class=\"__11 _617\"/>\u00f6r att l\u00e5n<span class=\"__11 _617\"/>tagaren in<span class=\"__11 _617\"/>te kan \u00e5terbet<span class=\"__11 _617\"/>ala<span class=\"__11 _624\"> </span> hela beloppet, det vill s\u00e4ga en avsev\u00e4r<span class=\"__11 _617\"/>d del a<span class=\"__11 _617\"/>v skulden kan<span class=\"__11 _624\"> </span> inte p\u00e5 rimliga grunder s\u00e4gas v<span class=\"__11 _617\"/>ara \u00e5<span class=\"__11 _617\"/>tervinningsbar genom<span class=\"__11 _624\"> </span> f\u00f6rmildr<span class=\"__11 _617\"/>ande kreditvillkor eller r<span class=\"__11 _617\"/>ealisering a<span class=\"__11 _617\"/>v s\u00e4kerheter<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span>Rekons<span class=\"__11 _617\"/>truktionsf<span class=\"__11 _617\"/>all.<span class=\"__11 _624\"> </span>Diskont<span class=\"__11 _617\"/>eringsr\u00e4n<span class=\"__11 _617\"/>ta<span class=\"__11 _624\"> </span>Diskont<span class=\"__11 _617\"/>eringsr\u00e4n<span class=\"__11 _617\"/>tan som anv<span class=\"__11 _617\"/>\u00e4nds f\u00f6r v<span class=\"__11 _617\"/>\u00e4rdering a<span class=\"__11 _617\"/>v os\u00e4kra<span class=\"__11 _624\"> </span> l\u00e5nefor<span class=\"__11 _617\"/>dringar motsvar<span class=\"__11 _617\"/><span class=\"__11 _624\">ar den ursprungliga effek</span><span class=\"__11 _617\"/>tiva r<span class=\"__11 _617\"/>\u00e4ntan<span class=\"__11 _624\"> </span> f\u00f6r l\u00e5n h\u00e4n<span class=\"__11 _617\"/>f\u00f6rliga till en enskild k<span class=\"__11 _617\"/>und eller<span class=\"__11 _625\"/>, i f\u00f6rekommande<span class=\"__11 _624\"> </span> fall, till en grupp a<span class=\"__11 _617\"/>v l\u00e5nefor<span class=\"__11 _617\"/>dringar<span class=\"__11 _625\"/>. Om s\u00e5 anses l\u00e4mpligt kan<span class=\"__11 _624\"> </span> diskont<span class=\"__11 _617\"/>eringsr\u00e4n<span class=\"__11 _617\"/>tan ber\u00e4knas med en metod som r<span class=\"__11 _617\"/>esulter<span class=\"__11 _617\"/>ar i<span class=\"__11 _624\"> </span> en nedskrivning som utg\u00f6r en rimlig uppskattning a<span class=\"__11 _617\"/>v v<span class=\"__11 _617\"/>ad en<span class=\"__11 _624\"> </span> <span class=\"__11 _624\">ber\u00e4kning grundad p\u00e5 eff</span><span class=\"__11 _617\"/>ektivr<span class=\"__11 _617\"/>\u00e4nt<span class=\"__11 _617\"/>emetoden skulle ge.<span class=\"__11 _624\"> </span>Omstruktur<span class=\"__11 _617\"/>erade l\u00e5nef<span class=\"__11 _617\"/>ordringar och modi\ufb01eringar<span class=\"__11 _624\"> </span>Med en omstruk<span class=\"__11 _617\"/>turerad l\u00e5nef<span class=\"__11 _617\"/>ordr<span class=\"__11 _617\"/>an a<span class=\"__11 _617\"/>vses i detta samman-<span class=\"__11 _624\"> </span>hang en l\u00e5nefor<span class=\"__11 _617\"/>dran d\u00e4r Nordea har bevilja<span class=\"__11 _617\"/>t l\u00e5nt<span class=\"__11 _617\"/>agaren efter-<span class=\"__11 _624\"> </span>gifter till f\u00f6ljd a<span class=\"__11 _625\"/>v dennes ekonomiska sv\u00e5righeter och d\u00e4r<span class=\"__11 _624\"> </span> s\u00e5dana eftergifter har gett uppho<span class=\"__11 _617\"/>v till en kreditf<span class=\"__11 _617\"/>\u00f6rlust f<span class=\"__11 _617\"/>\u00f6r<span class=\"__11 _624\"> </span> Nordea. Efter en oms<span class=\"__11 _617\"/>truktur<span class=\"__11 _617\"/>ering betrak<span class=\"__11 _617\"/>tas l\u00e5nef<span class=\"__11 _617\"/>ordran v<span class=\"__11 _617\"/>anli-<span class=\"__11 _624\"> </span>gen inte l\u00e4ngr<span class=\"__11 _617\"/>e som os\u00e4ker om \u00e5t<span class=\"__11 _617\"/>agandena fullf<span class=\"__11 _617\"/>\u00f6ljs i enlighet<span class=\"__11 _624\"> </span> med de nya villk<span class=\"__11 _617\"/>oren. I det fall en \u00e5<span class=\"__11 _617\"/>tervinning sker redovisas<span class=\"__11 _624\"> </span> betalningen som en \u00e5tervinning a<span class=\"__11 _617\"/>v kreditf<span class=\"__11 _617\"/>\u00f6rlust<span class=\"__11 _617\"/>er<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span> Modi\ufb01ering av de a<span class=\"__11 _617\"/>vtalsenliga k<span class=\"__11 _617\"/>assafl\u00f6dena f<span class=\"__11 _617\"/>\u00f6r l\u00e5n till kunder<span class=\"__11 _624\"> </span> med ekonomiska sv\u00e5righet<span class=\"__11 _617\"/>er (f\u00f6rmildr<span class=\"__11 _617\"/>ande kreditvillkor) mins<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>kar det redovisade l\u00e5nebeloppet, brutto. Normalt \u00e4r denna<span class=\"__11 _624\"> </span> minskning mindre \u00e4n den be\ufb01ntliga r<span class=\"__11 _617\"/>eserveringen, och ingen<span class=\"__11 _624\"> </span> f\u00f6rlus<span class=\"__11 _617\"/>t redovisas i r<span class=\"__11 _617\"/>esulta<span class=\"__11 _617\"/>tr\u00e4kningen till f<span class=\"__11 _617\"/>\u00f6ljd a<span class=\"__11 _617\"/>v modi\ufb01ering. Om<span class=\"__11 _624\"> </span> de \u00e4r betydande, minskas bruttobeloppen (l\u00e5n och r<span class=\"__11 _617\"/>eservering).<span class=\"__11 _624\"> </span> Tillg\u00e5ngar \u00f6vertagna f<span class=\"__11 _617\"/>\u00f6r skyddande a<span class=\"__11 _617\"/>v f<span class=\"__11 _617\"/>ordr<span class=\"__11 _617\"/>an<span class=\"__11 _624\"> </span>I en \ufb01nansiell omstruk<span class=\"__11 _617\"/>turering kan l\u00e5ngivar<span class=\"__11 _617\"/>en komma att<span class=\"__11 _624\"> </span> avs<span class=\"__11 _617\"/>t\u00e5 fr<span class=\"__11 _617\"/>\u00e5n l\u00e5nefor<span class=\"__11 _617\"/>dringar till f\u00f6rm\u00e5n f<span class=\"__11 _617\"/>\u00f6r l\u00e5n<span class=\"__11 _617\"/>tagaren och i utby-<span class=\"__11 _624\"> </span>te mot denna efter<span class=\"__11 _617\"/>gift ta \u00f6ver till<span class=\"__11 _617\"/>g\u00e5ngar som l\u00e4mnats som<span class=\"__11 _624\"> </span> s\u00e4kerhet f<span class=\"__11 _617\"/>\u00f6r l\u00e5nen, aktier som emitt<span class=\"__11 _617\"/>erats a<span class=\"__11 _617\"/>v l\u00e5n<span class=\"__11 _617\"/>tagaren eller<span class=\"__11 _624\"> </span> andra tillg\u00e5ngar<span class=\"__11 _625\"/>. En tillg\u00e5ng \u00f6vertagen f\u00f6r skyddande a<span class=\"__11 _625\"/>v for-<span class=\"__11 _624\"> </span>dran redo<span class=\"__11 _617\"/>visas i balansr\u00e4kningen tillsammans med liknande<span class=\"__11 _624\"> </span> tillg\u00e5ngar som redan innehas a<span class=\"__11 _617\"/>v Nordea. En \u00f6v<span class=\"__11 _617\"/>ertagen fastig-<span class=\"__11 _624\"> </span>het som inte innehas f<span class=\"__11 _617\"/>\u00f6r eget utn<span class=\"__11 _617\"/>yttjande redovisas till e<span class=\"__11 _617\"/>x<span class=\"__11 _617\"/>em-<span class=\"__11 _624\"> </span>pel tillsammans med andra f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheter<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Alla tillg\u00e5ngar som \u00f6vertagits f<span class=\"__11 _617\"/>\u00f6r skyddande a<span class=\"__11 _617\"/>v f<span class=\"__11 _617\"/>ordran<span class=\"__11 _624\"> </span> redovisas vid f<span class=\"__11 _617\"/>\u00f6rsta redo<span class=\"__11 _617\"/>visningstillf<span class=\"__11 _617\"/>\u00e4llet till verkligt v\u00e4r<span class=\"__11 _617\"/>de och<span class=\"__11 _624\"> </span> even<span class=\"__11 _617\"/>tuell skillnad mellan l\u00e5nets redovisade v<span class=\"__11 _617\"/>\u00e4rde och det<span class=\"__11 _624\"> </span> verkliga v\u00e4r<span class=\"__11 _617\"/>det p\u00e5 den \u00f6vertagna tillg\u00e5ngen redo<span class=\"__11 _617\"/>visas under<span class=\"__11 _624\"> </span> posten \u201dKreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter<span class=\"__11 _625\"/>, netto\u201d<span class=\"__11 _625\"/>. Det verkliga v\u00e4rdet p\u00e5 redovis-<span class=\"__11 _624\"> </span><span class=\"__11 _624\">ningsdagen blir tillg\u00e5ngens anskaffningsv</span><span class=\"__11 _617\"/>\u00e4rde eller upplupna<span class=\"__11 _624\"> </span> <span class=\"__11 _624\">anskaffningsv</span><span class=\"__11 _617\"/>\u00e4rde, beroende p\u00e5 v<span class=\"__11 _617\"/>ad som \u00e4r till\u00e4mpligt. Under<span class=\"__11 _624\"> </span>K3.<span class=\"__11 _617\"/>7  Utl\u00e5ning, forts.<span class=\"__11 _624\"> </span>145<span class=\"__11 _624\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__11 _624\"> </span>Inledning<span class=\"__11 _616\"> </span><span class=\"__11 _624\">Aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5den<span class=\"__11 _618\"/><span class=\"ws3_10\">V<span class=\"__11 _617\"/>\u00e5ra in<span class=\"__11 _617\"/>tressent<span class=\"__11 _617\"/>er<span class=\"__11 _619\"> </span><span class=\"ff1_11\">Finansiella rapporter<span class=\"__11 _620\"/><span class=\"ff2_11 ws2_10\">F\u00f6rvaltningsber<span class=\"__11 _617\"/>\u00e4ttelse<span class=\"__11 _621\"> </span>H\u00e5llbarhetsnoter<span class=\"__11 _622\"> </span>\u00d6vrigt<span class=\"__11 _623\"/><span class=\"ws3_10\">Strategisk r<span class=\"__11 _617\"/>apport<span class=\"__11 _624\"> </span></span></span></span></span>K3.<span class=\"__11 _617\"/>7  Utl\u00e5ning, forts.<span class=\"__11 _624\"> </span>efterf\u00f6ljande perioder v<span class=\"__11 _617\"/>\u00e4rderas tillg\u00e5ngar som \u00f6<span class=\"__11 _617\"/>vertagits f<span class=\"__11 _617\"/>\u00f6r skyddande a<span class=\"__11 _617\"/>v for<span class=\"__11 _617\"/>dran i enlighet med g\u00e4llande v\u00e4r<span class=\"__11 _617\"/>derings-<span class=\"__11 _624\"> </span>principer f\u00f6r tillg\u00e5ngsslaget. F\u00f6rval<span class=\"__11 _617\"/>tningsfas<span class=\"__11 _617\"/>tigheter v\u00e4r<span class=\"__11 _617\"/>deras d\u00e5 till verkligt v\u00e4r<span class=\"__11 _617\"/>de. \u00d6vertagna \ufb01nansiella tillg\u00e5ngar klassi\ufb01-<span class=\"__11 _624\"> </span>ceras generell<span class=\"__11 _617\"/>t i kategorin \u201dV<span class=\"__11 _625\"/>erkligt v\u00e4rde via result<span class=\"__11 _617\"/>atr\u00e4kning-<span class=\"__11 _624\"> </span>en\u201d och v\u00e4rder<span class=\"__11 _617\"/>as till verkligt v\u00e4r<span class=\"__11 _617\"/>de. F\u00f6r<span class=\"__11 _617\"/>\u00e4ndringar i verkligt v\u00e4rde r<span class=\"__11 _617\"/>edovisas i result<span class=\"__11 _617\"/>atr\u00e4kningen under pos<span class=\"__11 _617\"/>ten \u201dNettore<span class=\"__11 _617\"/>sul-<span class=\"__11 _624\"> </span>tat a<span class=\"__11 _617\"/>v poster till v<span class=\"__11 _617\"/>erkligt v\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>E<span class=\"__11 _617\"/>ventuella v<span class=\"__11 _617\"/>\u00e4rdef<span class=\"__11 _617\"/>\u00f6r\u00e4ndringar eft<span class=\"__11 _617\"/>er den \u00f6vertagna tillg\u00e5ng-<span class=\"__11 _624\"> </span>ens f\u00f6rsta r<span class=\"__11 _617\"/>edovisningstillf<span class=\"__11 _617\"/>\u00e4lle, redo<span class=\"__11 _617\"/>visas i result<span class=\"__11 _617\"/>atr\u00e4kningen i enlighet med koncernens principer f<span class=\"__11 _617\"/>\u00f6r presen<span class=\"__11 _617\"/>tation a<span class=\"__11 _617\"/>v till-<span class=\"__11 _624\"> </span>g\u00e5ngsslaget. Posten \u201dKreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter<span class=\"__11 _625\"/>, netto\u201d i resultatr<span class=\"__11 _617\"/>\u00e4kning-<span class=\"__11 _624\"> </span>en p\u00e5v<span class=\"__11 _617\"/>erkas f\u00f6ljak<span class=\"__11 _617\"/>tligen in<span class=\"__11 _617\"/>te a<span class=\"__11 _617\"/>v ny<span class=\"__11 _617\"/>a v\u00e4rderingar a<span class=\"__11 _617\"/>v den \u00f6v<span class=\"__11 _617\"/>er-<span class=\"__11 _624\"> </span>tagna tillg\u00e5ngen efter f<span class=\"__11 _617\"/>\u00f6rsta redo<span class=\"__11 _617\"/>visningstillf<span class=\"__11 _617\"/>\u00e4llet.<span class=\"__11 _624\"> </span>Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__11 _617\"/>ttningar<span class=\"__11 _624\"> </span>Ledningen m\u00e5ste g\u00f6r<span class=\"__11 _617\"/>a kritiska bed\u00f6mningar och uppskatt-<span class=\"__11 _624\"> </span>ningar vid ber\u00e4kningen a<span class=\"__11 _617\"/>v reserveringar f<span class=\"__11 _617\"/>\u00f6r os\u00e4kra l\u00e5nef<span class=\"__11 _617\"/>ord-<span class=\"__11 _624\"> </span>ringar<span class=\"__11 _617\"/>. Nor<span class=\"__11 _617\"/>deas samlade utl\u00e5ning, f\u00f6r<span class=\"__11 _617\"/>e reserveringar f<span class=\"__11 _617\"/>\u00f6r os\u00e4k-<span class=\"__11 _624\"> </span>ra l\u00e5nef<span class=\"__11 _617\"/>ordringar<span class=\"__11 _625\"/><span class=\"__11 _624\">, uppgick till 352 87</span><span class=\"__11 _617\"/>4 mn euro (349 648 mn euro) vid \u00e5r<span class=\"__11 _617\"/>ets slut. F\u00f6r a<span class=\"__11 _617\"/>tt ber\u00e4kna res<span class=\"__11 _617\"/>erver f\u00f6r individuellt bety<span class=\"__11 _617\"/>dande os\u00e4kra for<span class=\"__11 _617\"/>dringar g\u00f6rs bed\u00f6mningar f\u00f6r att uppska<span class=\"__11 _617\"/>tta beloppet och tidpunkten f<span class=\"__11 _617\"/>\u00f6r de f<span class=\"__11 _617\"/>\u00f6rv\u00e4nt<span class=\"__11 _617\"/>ade kassafl\u00f6dena fr<span class=\"__11 _617\"/>\u00e5n kunderna enligt olika scenarier<span class=\"__11 _625\"/>, inklusive v\u00e4rdering a<span class=\"__11 _617\"/>v ev<span class=\"__11 _617\"/>entuella s\u00e4ker-<span class=\"__11 _624\"> </span>heter som erh\u00e5llits. Bed\u00f6mningar g\u00f6rs ocks\u00e5 f\u00f6r a<span class=\"__11 _617\"/>tt komma fram till sannolikheten f<span class=\"__11 _617\"/>\u00f6r a<span class=\"__11 _617\"/>tt de olika scenarierna in<span class=\"__11 _617\"/><span class=\"__11 _624\">tr\u00e4ff</span><span class=\"__11 _617\"/>ar<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Bed\u00f6mningar g\u00f6rs f\u00f6r att v<span class=\"__11 _617\"/>\u00e4rdera n\u00e4r en e<span class=\"__11 _617\"/>xponering har resulter<span class=\"__11 _617\"/>at i en betydande \u00f6kning a<span class=\"__11 _625\"/>v kreditrisken. N\u00e4r s\u00e5 \u00e4r fallet ska reserveringen spegla f<span class=\"__11 _617\"/>\u00f6rv\u00e4ntade kr<span class=\"__11 _617\"/>editf\u00f6rl<span class=\"__11 _617\"/>uster under den \u00e5terst\u00e5ende l\u00f6p<span class=\"__11 _617\"/>tiden, till skillnad fr\u00e5n e<span class=\"__11 _617\"/>xponeringar v<span class=\"__11 _617\"/>ars kredi<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>trisk inte har \u00f6ka<span class=\"__11 _617\"/>t markant d\u00e4r r<span class=\"__11 _617\"/>eserveringen a<span class=\"__11 _617\"/>vser f<span class=\"__11 _617\"/>\u00f6rv\u00e4ntade kreditf<span class=\"__11 _617\"/>\u00f6rluster under de k<span class=\"__11 _617\"/>ommande 12 m\u00e5naderna. Bed\u00f6mning<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ar g\u00f6rs ocks\u00e5 vid valet a<span class=\"__11 _617\"/>v modeller som anv\u00e4nder andr<span class=\"__11 _617\"/>a para<span class=\"__11 _617\"/><span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>metrar vid ber\u00e4kning a<span class=\"__11 _617\"/>v f<span class=\"__11 _617\"/>\u00f6rv\u00e4nt<span class=\"__11 _617\"/>ade kreditf<span class=\"__11 _617\"/>\u00f6rluster<span class=\"__11 _625\"/>, till ex<span class=\"__11 _617\"/>empel den f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tade l\u00f6ptiden som an<span class=\"__11 _617\"/>v\u00e4nds i ka<span class=\"__11 _617\"/>tegori 2, samt vid bed\u00f6mningen av huruvida par<span class=\"__11 _617\"/>ametrarna som an<span class=\"__11 _617\"/>v\u00e4nder hist<span class=\"__11 _617\"/>o<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>riska data \u00e4r rele<span class=\"__11 _617\"/>van<span class=\"__11 _617\"/>ta f\u00f6r uppsk<span class=\"__11 _617\"/>attning a<span class=\"__11 _617\"/>v fram<span class=\"__11 _617\"/>tida f<span class=\"__11 _617\"/>\u00f6rlust<span class=\"__11 _617\"/>er<span class=\"__11 _617\"/>.<span class=\"__11 _624\"> </span>De statis<span class=\"__11 _617\"/>tiska modeller som anv<span class=\"__11 _617\"/>\u00e4nds f\u00f6r a<span class=\"__11 _617\"/>tt ber\u00e4kna re<span class=\"__11 _617\"/>ser-<span class=\"__11 _624\"> </span>veringarna baseras p\u00e5 makr<span class=\"__11 _617\"/>oekonomiska scenarier<span class=\"__11 _625\"/>, vilket kr\u00e4<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>ver att ledningen g\u00f6r bed\u00f6mningar n\u00e4r de tar f<span class=\"__11 _617\"/>ram s\u00e5dana scenarier och anger sannolikheten f<span class=\"__11 _617\"/>\u00f6r att de olika sc<span class=\"__11 _617\"/>enarierna intr<span class=\"__11 _617\"/><span class=\"__11 _624\">\u00e4ffar</span><span class=\"__11 _625\"/>. Bed\u00f6mningar g\u00f6rs ocks\u00e5 f\u00f6r att k<span class=\"__11 _617\"/>omma fram till i vil<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>ken utstr<span class=\"__11 _617\"/>\u00e4ckning parametrarna f<span class=\"__11 _617\"/>\u00f6r de olika sc<span class=\"__11 _617\"/>enarierna, som baserats p\u00e5 his<span class=\"__11 _617\"/>toriska dat<span class=\"__11 _617\"/>a, \u00e4r relevan<span class=\"__11 _617\"/>ta f<span class=\"__11 _617\"/>\u00f6r uppskattning a<span class=\"__11 _617\"/>v fram<span class=\"__11 _617\"/>tida f<span class=\"__11 _617\"/>\u00f6rluster<span class=\"__11 _625\"/>. Justeringar g\u00f6rs a<span class=\"__11 _617\"/>v de modellber\u00e4knade avs\u00e4<span class=\"__11 _617\"/>ttningarna om de historiska uppgift<span class=\"__11 _617\"/>erna inte i tillr<span class=\"__11 _617\"/>\u00e4cklig utstr\u00e4ckning speglar ledningens syn p\u00e5 de f<span class=\"__11 _617\"/>\u00f6rv\u00e4n<span class=\"__11 _617\"/>tade kredit-<span class=\"__11 _624\"> </span>f\u00f6rlus<span class=\"__11 _617\"/>terna. Uppskattningen a<span class=\"__11 _625\"/>v modelljusteringar i efterhand kr\u00e4<span class=\"__11 _617\"/>ver att ledningen g\u00f6r kritisk<span class=\"__11 _617\"/>a bed\u00f6mningar<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>F\u00f6r in<span class=\"__11 _617\"/>forma<span class=\"__11 _617\"/>tion om kritiska bed\u00f6mningar vid uppr\u00e4<span class=\"__11 _617\"/>ttandet av denna \u00e5rsredo<span class=\"__11 _617\"/>visningen till f\u00f6ljd a<span class=\"__11 _625\"/>v os\u00e4kerhet kring hur h\u00f6gre energi- och r<span class=\"__11 _617\"/>\u00e5v<span class=\"__11 _617\"/>arupriser och l\u00e4gre priv<span class=\"__11 _617\"/>atkonsum<span class=\"__11 _617\"/>tion i olika sekt<span class=\"__11 _617\"/>orer p\u00e5 l\u00e5ng sik<span class=\"__11 _617\"/>t kan komma att p\u00e5<span class=\"__11 _617\"/>verk<span class=\"__11 _617\"/>a Nordeas redovisning, se no<span class=\"__11 _617\"/>t K1 \u201dRedovisningsprinciper\u201d<span class=\"__11 _617\"/>.<span class=\"__11 _624\"> </span>Utl\u00e5ning och os\u00e4kra l\u00e5nef<span class=\"__11 _617\"/>ordringar Mn euro<span class=\"__11 _b_10\"> </span>31 dec 2022<span class=\"__11 _c_10\"> </span>31 dec 2021<span class=\"__11 _624\"> </span>Utl\u00e5ning v\u00e4rderad till v<span class=\"__11 _617\"/>erkligt v\u00e4rde<span class=\"__11 _d_10\"> </span><span class=\"ls6_10 ws8_10\">7<span class=\"__11 _626\"/>3 24<span class=\"__11 _626\"/>8<span class=\"__11 _e_10\"> </span></span>75 77<span class=\"__11 _626\"/>2<span class=\"__11 _624\"> </span>Utl\u00e5ning v\u00e4rderad till uppl<span class=\"__11 _617\"/><span class=\"__11 _624\">upet anskaffningsv\u00e4r</span><span class=\"__11 _617\"/>de som int<span class=\"__11 _617\"/>e \u00e4r os\u00e4kra (kategori 1 och 2)<span class=\"__11 _f_10\"> </span>277 371<span class=\"__11 _627\"> </span>270 364<span class=\"__11 _624\"> </span>Os\u00e4kra l\u00e5nef<span class=\"__11 _617\"/>ordringar (kategori 3)<span class=\"__11 _628\"> </span>2 255<span class=\"__11 _629\"> </span>3 512<span class=\"__11 _624\"> </span>- vara<span class=\"__11 _617\"/>v reglerade<span class=\"__11 _630\"> </span>1 111<span class=\"__11 _631\"> </span>1 642<span class=\"__11 _624\"> </span>- vara<span class=\"__11 _617\"/>v oreglerade<span class=\"__11 _632\"> </span>1 144<span class=\"__11 _631\"> </span>1 870<span class=\"__11 _624\"> </span>Utl\u00e5ning f\u00f6re r<span class=\"__11 _617\"/>eserver<span class=\"__11 _633\"> </span>352 87<span class=\"__11 _617\"/>4<span class=\"__11 _634\"> </span>349 648<span class=\"__11 _624\"> </span>- vara<span class=\"__11 _617\"/>v cen<span class=\"__11 _617\"/>tralbanker och kreditins<span class=\"__11 _617\"/>titut<span class=\"__11 _635\"> </span>5 487<span class=\"__11 _631\"> </span>2 395<span class=\"__11 _624\"> </span>Reserver f<span class=\"__11 _617\"/>\u00f6r individuellt v\u00e4rder<span class=\"__11 _617\"/>ade l\u00e5nefor<span class=\"__11 _617\"/>dringar (kategori 3)<span class=\"__11 _636\"> </span>-1 045<span class=\"__11 _1a_7\"> </span>-1 610<span class=\"__11 _624\"> </span>- vara<span class=\"__11 _617\"/>v reglerade<span class=\"__11 _630\"> </span>-556<span class=\"__11 _1b_7\"> </span>-800<span class=\"__11 _624\"> </span>- vara<span class=\"__11 _617\"/>v oreglerade<span class=\"__11 _1c_7\"> </span><span class=\"ls7_10 ws9_10\">-489<span class=\"__11 _1d_7\"> </span></span>-810<span class=\"__11 _624\"> </span>Reserver f<span class=\"__11 _617\"/>\u00f6r gruppvisa v\u00e4rder<span class=\"__11 _617\"/>ade l\u00e5nefor<span class=\"__11 _617\"/>dringar (kategori 1 och 2)<span class=\"__11 _1e_7\"> </span>-628<span class=\"__11 _1f_7\"> </span>-596<span class=\"__11 _624\"> </span>Reserver<span class=\"__11 _637\"> </span>-1 673<span class=\"__11 _e_10\"> </span>-<span class=\"__11 _617\"/>2 206<span class=\"__11 _624\"> </span>- vara<span class=\"__11 _617\"/>v cen<span class=\"__11 _617\"/>tralbanker och kreditins<span class=\"__11 _617\"/>titut<span class=\"__11 _638\"> </span><span class=\"ls6_10 ws8_10\">-29<span class=\"__11 _639\"> </span></span>-3<span class=\"__11 _624\"> </span>Utl\u00e5ning, redovisat v<span class=\"__11 _617\"/>\u00e4rde<span class=\"__11 _640\"> </span>351 201<span class=\"__11 _641\"> </span>347 442<span class=\"__11 _624\"> </span>Nordea har l\u00e5nat ut 159 md euro (1<span class=\"__11 _617\"/>70 md euro) i h<span class=\"__11 _617\"/>ypoteksl\u00e5n. Inga kr<span class=\"__11 _617\"/>editer till f<span class=\"__11 _617\"/><span class=\"__11 _624\">\u00f6rmedlare eller off</span><span class=\"__11 _617\"/>en<span class=\"__11 _617\"/>tlig sekt<span class=\"__11 _617\"/>or har beviljats.<span class=\"__11 _624\"> </span>146<span class=\"__11 _624\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__11 _624\"> </span>Inledning<span class=\"__11 _616\"> </span><span class=\"__11 _624\">Aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5den<span class=\"__11 _618\"/><span class=\"ws3_10\">V<span class=\"__11 _617\"/>\u00e5ra in<span class=\"__11 _617\"/>tressent<span class=\"__11 _617\"/>er<span class=\"__11 _619\"> </span><span class=\"ff1_11\">Finansiella rapporter<span class=\"__11 _620\"/><span class=\"ff2_11 ws2_10\">F\u00f6rvaltningsber<span class=\"__11 _617\"/>\u00e4ttelse<span class=\"__11 _621\"> </span>H\u00e5llbarhetsnoter<span class=\"__11 _622\"> </span>\u00d6vrigt<span class=\"__11 _623\"/><span class=\"ws3_10\">Strategisk r<span class=\"__11 _617\"/>apport<span class=\"__11 _624\"> </span></span></span></span></span>K3.8 <span class=\"__11 _642\"> </span>R\u00e4nt<span class=\"__11 _617\"/>eb\u00e4rande v<span class=\"__11 _617\"/>\u00e4rdepapper<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>Instrument s<span class=\"__11 _617\"/>om enkelt kan \u00f6<span class=\"__11 _617\"/>verf\u00f6r<span class=\"__11 _617\"/>as och d\u00e4r innehav<span class=\"__11 _617\"/>aren a<span class=\"__11 _617\"/>v instrument<span class=\"__11 _617\"/>et erh\u00e5ller det nominella beloppet p\u00e5 f\u00f6rf<span class=\"__11 _617\"/>alloda-<span class=\"__11 _624\"> </span>gen redovisas normalt under balanspos<span class=\"__11 _617\"/>ten \u201dR\u00e4n<span class=\"__11 _617\"/>teb\u00e4rande v\u00e4rdepapper\u201d<span class=\"__11 _617\"/>. Instrumen<span class=\"__11 _617\"/>t som in<span class=\"__11 _617\"/>te kan \u00f6v<span class=\"__11 _617\"/>erf\u00f6ras eller s\u00e4ljas utan innehav<span class=\"__11 _617\"/>arens medgiv<span class=\"__11 _617\"/>ande normalt redovisas s<span class=\"__11 _617\"/>om utl\u00e5-<span class=\"__11 _624\"> </span>ning (se not K3.<span class=\"__11 _617\"/>7 \u201dUtl\u00e5ning\u201d). Vid \u00e5terk<span class=\"__11 _617\"/>\u00f6pstransak<span class=\"__11 _617\"/>tioner och v\u00e4rdepappersl\u00e5n \u00f6v<span class=\"__11 _617\"/>erf\u00f6rs icke-kon<span class=\"__11 _617\"/>tan<span class=\"__11 _617\"/>ta tillg\u00e5ngar som s\u00e4ker-<span class=\"__11 _624\"> </span>het. Om den mottagande parten har r\u00e4tt att s\u00e4lja eller i sin tur pants\u00e4tt<span class=\"__11 _617\"/>a tillg\u00e5ngen redovisas den i balansr<span class=\"__11 _617\"/>\u00e4kningen under posten \u201dP<span class=\"__11 _617\"/>antsa<span class=\"__11 _617\"/>tta \ufb01nansiella instrumen<span class=\"__11 _617\"/>t\u201d (se not K3.9 \u201dPan<span class=\"__11 _617\"/>t-<span class=\"__11 _624\"> </span>satta \ufb01nansiella instrumen<span class=\"__11 _617\"/>t\u201d).<span class=\"__11 _624\"> </span>F\u00f6r ytt<span class=\"__11 _617\"/>erligare inf<span class=\"__11 _617\"/>ormation om r<span class=\"__11 _617\"/>edovisningsprinciper<span class=\"__11 _625\"/>, se not K3.<span class=\"__11 _625\"/>1 \u201dRedovisning och bortbokning i balansr\u00e4kningen\u201d<span class=\"__11 _625\"/>, not K3.2 \u201d\u00d6verf\u00f6r<span class=\"__11 _617\"/>da tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>, not K3.3 \u201dKlas<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>si\ufb01cering och v\u00e4rdering\u201d och no<span class=\"__11 _617\"/>t K3.4 \u201dV<span class=\"__11 _617\"/>erkligt v<span class=\"__11 _617\"/>\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>R\u00e4nteb\u00e4r<span class=\"__11 _617\"/>ande v\u00e4rdepapper<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _643\"> </span>31 dec 2022<span class=\"__11 _644\"> </span>31 dec 2021<span class=\"__11 _624\"> </span>Stater<span class=\"__11 _625\"/>, kommuner och andra myndigheter<span class=\"__11 _645\"> </span><span class=\"ls0_11 ws0_11\">14 179<span class=\"__11 _646\"> </span></span>19 228<span class=\"__11 _624\"> </span>Hypoteksinstitut<span class=\"__11 _2a_5\"> </span>23 222<span class=\"__11 _2b_5\"> </span>21 412<span class=\"__11 _624\"> </span>\u00d6vriga kreditinstitut<span class=\"__11 _2c_5\"> </span>19 547<span class=\"__11 _2d_5\"> </span>18 245<span class=\"__11 _624\"> </span>F\u00f6ret<span class=\"__11 _617\"/>ag<span class=\"__11 _2e_5\"> </span>3 158<span class=\"__11 _2f_5\"> </span>2 433<span class=\"__11 _624\"> </span>\u00d6vriga<span class=\"__11 _647\"> </span>3 418<span class=\"__11 _648\"> </span>2 065<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _649\"> </span>63 524<span class=\"__11 _650\"> </span>63 383<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vs\u00e4ttningar f<span class=\"__11 _617\"/>\u00f6r kreditrisk<span class=\"__11 _617\"/><span class=\"__11 _624\">er uppgick till 3 mn euro (15 mn </span>euro).<span class=\"__11 _624\"> </span>K3.9 <span class=\"__11 _642\"> </span>P<span class=\"__11 _617\"/>antsa<span class=\"__11 _617\"/>tta \ufb01nansiella ins<span class=\"__11 _617\"/>trument<span class=\"__11 _624\"> </span>Redovisningsprinciper Vid \u00e5terk\u00f6ps<span class=\"__11 _617\"/>transak<span class=\"__11 _617\"/>tioner och v\u00e4rdepappersl\u00e5n \u00f6<span class=\"__11 _617\"/>verf\u00f6rs icke-<span class=\"__11 _624\"> </span>kont<span class=\"__11 _617\"/>anta tillg\u00e5ngar som s\u00e4k<span class=\"__11 _617\"/>erhet. Om den mottagande par-<span class=\"__11 _624\"> </span>ten har r\u00e4<span class=\"__11 _617\"/>tt att s\u00e4lja eller i sin tur pants\u00e4<span class=\"__11 _617\"/>tta tillg\u00e5ngen omklas<span class=\"ws3_10\">-<span class=\"__11 _624\"> </span></span>si\ufb01ceras den i balansr<span class=\"__11 _617\"/>\u00e4kningen till posten \u201dP<span class=\"__11 _617\"/>antsa<span class=\"__11 _617\"/>tta \ufb01nan-<span class=\"__11 _624\"> </span>siella instrument\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>F\u00f6r mer in<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>ormation om redovisningsprinciper<span class=\"__11 _625\"/>, se not K3.<span class=\"__11 _625\"/>1 \u201dRedovisning och bortbokning i balansr\u00e4kningen\u201d<span class=\"__11 _625\"/>, not K3.2 \u201d\u00d6verf\u00f6r<span class=\"__11 _617\"/>da tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>, not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d och no<span class=\"__11 _617\"/>t K3.4 \u201dV<span class=\"__11 _617\"/>erkligt v<span class=\"__11 _617\"/>\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Pan<span class=\"__11 _617\"/>tsatta \ufb01nansiella instrumen<span class=\"__11 _617\"/>t<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _643\"> </span>31 dec 2022<span class=\"__11 _644\"> </span>31 dec 2021<span class=\"__11 _624\"> </span>R\u00e4nteb\u00e4r<span class=\"__11 _617\"/>ande v\u00e4rdepapper<span class=\"__11 _651\"> </span>4 902<span class=\"__11 _2f_5\"> </span>1 668<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _652\"> </span>4 902<span class=\"__11 _648\"> </span>1 668<span class=\"__11 _624\"> </span>F\u00f6r in<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>ormation om \u00f6v<span class=\"__11 _617\"/>erf\u00f6rda tillg\u00e5ngar och om<span class=\"__11 _617\"/>v\u00e4nda \u00e5t<span class=\"__11 _617\"/>er-<span class=\"__11 _624\"> </span>k\u00f6psa<span class=\"__11 _617\"/>vtal, se not K3.2 \u201d\u00d6verf\u00f6r<span class=\"__11 _617\"/>da tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>K3.<span class=\"__11 _625\"/>10  Aktier och andelar<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>Balansposten \u201d<span class=\"__11 _625\"/>Ak<span class=\"__11 _617\"/>tier och andelar<span class=\"__11 _626\"/>\u201d innefa<span class=\"__11 _617\"/>ttar eget kapital-<span class=\"__11 _624\"> </span>instrument, det vill s\u00e4ga a<span class=\"__11 _617\"/>vtal som inneb\u00e4r en residual r<span class=\"__11 _617\"/>\u00e4tt i ett f\u00f6r<span class=\"__11 _617\"/>etags tillg\u00e5ngar efter a<span class=\"__11 _617\"/>vdr<span class=\"__11 _617\"/>ag f\u00f6r alla dess sk<span class=\"__11 _617\"/>ulder<span class=\"__11 _625\"/>, inklu-<span class=\"__11 _624\"> </span>sive inneha<span class=\"__11 _617\"/>v i olika fonder<span class=\"__11 _625\"/>, s\u00e5som andelar i en v\u00e4rdepappers-<span class=\"__11 _624\"> </span>fond eller riskkapit<span class=\"__11 _617\"/>alfond. <span class=\"__11 _617\"/>Ak<span class=\"__11 _617\"/>tier och andelar i intre<span class=\"__11 _617\"/>ssef\u00f6r<span class=\"__11 _617\"/>etag och joint ven<span class=\"__11 _617\"/>tures (s<span class=\"__11 _617\"/>e not K9.3 \u201d<span class=\"__11 _625\"/>Ak<span class=\"__11 _617\"/>tier och andelar i in<span class=\"__11 _617\"/>tresse-<span class=\"__11 _624\"> </span>f\u00f6r<span class=\"__11 _617\"/>etag och joint v<span class=\"__11 _617\"/>enture<span class=\"__11 _617\"/>s\u201d), aktier och andelar i konc<span class=\"__11 _617\"/>ernf<span class=\"__11 _617\"/>\u00f6re-<span class=\"__11 _624\"> </span>tag (se not K9.<span class=\"__11 _625\"/>1 \u201dKonsolider<span class=\"__11 _617\"/>ade f\u00f6r<span class=\"__11 _617\"/>etag\u201d) och inneha<span class=\"__11 _617\"/>v av aktier och f<span class=\"__11 _617\"/>ondandelar f<span class=\"__11 _617\"/>\u00f6r kunders r\u00e4kning (se no<span class=\"__11 _617\"/>t K3.<span class=\"__11 _625\"/>11 \u201dTill-<span class=\"__11 _624\"> </span>g\u00e5ngar och inl\u00e5ning i placeringsportf\u00f6ljer och f<span class=\"__11 _617\"/>ondf<span class=\"__11 _617\"/>\u00f6rs\u00e4k-<span class=\"__11 _624\"> </span>ringsavtal\u201d) r<span class=\"__11 _617\"/>edovisas emellertid int<span class=\"__11 _617\"/>e under \u201d<span class=\"__11 _625\"/>Ak<span class=\"__11 _617\"/>tier och andelar<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Vid \u00e5terk\u00f6ps<span class=\"__11 _617\"/>transak<span class=\"__11 _617\"/>tioner och v\u00e4rdepappersl\u00e5n \u00f6<span class=\"__11 _617\"/>verf\u00f6rs icke-kon<span class=\"__11 _617\"/>tanta till<span class=\"__11 _617\"/>g\u00e5ngar som s\u00e4kerhet. Om den mottagande parten har r\u00e4tt att s\u00e4lja eller i sin tur pan<span class=\"__11 _617\"/>ts\u00e4tt<span class=\"__11 _617\"/>a tillg\u00e5ngen omklassi\ufb01ceras den i balansr<span class=\"__11 _617\"/>\u00e4kningen till posten \u201dP<span class=\"__11 _617\"/>antsa<span class=\"__11 _617\"/>tta \ufb01nansiella instrument\u201d (se not K3.9 \u201dP<span class=\"__11 _617\"/>antsa<span class=\"__11 _617\"/>tta \ufb01nansiella instrument\u201d).<span class=\"__11 _624\"> </span>F\u00f6r ytt<span class=\"__11 _617\"/>erligare inf<span class=\"__11 _617\"/>ormation om r<span class=\"__11 _617\"/>edovisningsprinciper<span class=\"__11 _625\"/>, se not K3.<span class=\"__11 _625\"/>1 \u201dRedovisning och bortbokning i balansr\u00e4kningen\u201d<span class=\"__11 _625\"/>, not K3.2 \u201d\u00d6verf\u00f6r<span class=\"__11 _617\"/>da tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>, not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d och no<span class=\"__11 _617\"/>t K3.4 \u201dV<span class=\"__11 _617\"/>erkligt v\u00e4rde\u201d<span class=\"__11 _624\"> </span><span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Aktier och andelar<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _643\"> </span>31 dec 2022<span class=\"__11 _644\"> </span>31 dec 2021<span class=\"__11 _624\"> </span>Aktier <span class=\"__11 _616\"> </span>8 436<span class=\"__11 _653\"> </span>3 713<span class=\"__11 _624\"> </span>Fondandelar<span class=\"__11 _625\"/>, aktierelaterade<span class=\"__11 _654\"> </span>6 549<span class=\"__11 _2f_5\"> </span>7 967<span class=\"__11 _624\"> </span>Fondandelar<span class=\"__11 _625\"/>, r\u00e4nterelat<span class=\"__11 _617\"/>erade<span class=\"__11 _655\"> </span>2 939<span class=\"__11 _656\"> </span>3 537<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _3a_6\"> </span>17 924<span class=\"__11 _3b_5\"> </span>15 217<span class=\"__11 _624\"> </span>147<span class=\"__11 _624\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__11 _624\"> </span>Inledning<span class=\"__11 _616\"> </span><span class=\"__11 _624\">Aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5den<span class=\"__11 _618\"/><span class=\"ws3_10\">V<span class=\"__11 _617\"/>\u00e5ra in<span class=\"__11 _617\"/>tressent<span class=\"__11 _617\"/>er<span class=\"__11 _619\"> </span><span class=\"ff1_11\">Finansiella rapporter<span class=\"__11 _620\"/><span class=\"ff2_11 ws2_10\">F\u00f6rvaltningsber<span class=\"__11 _617\"/>\u00e4ttelse<span class=\"__11 _621\"> </span>H\u00e5llbarhetsnoter<span class=\"__11 _622\"> </span>\u00d6vrigt<span class=\"__11 _623\"/><span class=\"ws3_10\">Strategisk r<span class=\"__11 _617\"/>apport<span class=\"__11 _624\"> </span></span></span></span></span>K3.<span class=\"__11 _625\"/>11   <span class=\"__11 _3c_5\"/>Tillg\u00e5ngar och inl\u00e5ning i placeringsportf\u00f6ljer och f<span class=\"__11 _617\"/>ondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>I fr\u00e5ga om tillg\u00e5ngar och inl\u00e5ning inom r<span class=\"__11 _617\"/>amen f\u00f6r a<span class=\"__11 _617\"/>vtal med kunder om placeringsportf\u00f6ljer och f<span class=\"__11 _617\"/>ondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringar \u00e4r det kunderna och f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringstagarna som tar merparten a<span class=\"__11 _617\"/>v eller hela risken. F<span class=\"__11 _617\"/>ondf\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal med garan<span class=\"__11 _617\"/>tier eller \ufb01nan-<span class=\"__11 _624\"> </span>siella avtal s<span class=\"__11 _617\"/>om medf\u00f6r bety<span class=\"__11 _617\"/>dande f\u00f6rs\u00e4kringsrisk klassi\ufb01ce-<span class=\"__11 _624\"> </span>ras som f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal. Inl\u00e5ningsmedlen fr<span class=\"__11 _617\"/>\u00e5n kunderna inves<span class=\"__11 _617\"/>teras i olika typer a<span class=\"__11 _617\"/>v \ufb01nansiella tillg\u00e5ngar f<span class=\"__11 _617\"/>\u00f6r kundernas och f\u00f6rs\u00e4kringstagarnas r<span class=\"__11 _617\"/>\u00e4kning. Tillg\u00e5ngar och inl\u00e5ning enligt dessa avt<span class=\"__11 _617\"/>al redovisas och v\u00e4rder<span class=\"__11 _617\"/>as till verkligt v\u00e4r<span class=\"__11 _617\"/>de enligt beskrivningen i not K3.4 \u201dV<span class=\"__11 _617\"/>erkligt v\u00e4r<span class=\"__11 _617\"/>de\u201d<span class=\"__11 _625\"/>. F\u00f6r mer inf<span class=\"__11 _617\"/>orma<span class=\"__11 _617\"/>tion om skillnaden mellan f\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal och \ufb01nansiella a<span class=\"__11 _617\"/>vtal, se not K4 \u201dF\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Tillg\u00e5ngar och inl\u00e5ning i placeringsportf\u00f6ljer och fondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _3d_5\"> </span>31 dec 2022<span class=\"__11 _644\"> </span>31 dec 2021<span class=\"__11 _624\"> </span>Tillg\u00e5ngar<span class=\"__11 _624\"> </span>R\u00e4nteb\u00e4r<span class=\"__11 _617\"/>ande v\u00e4rdepapper<span class=\"__11 _3e_5\"> </span>1 949<span class=\"__11 _653\"> </span>1 431<span class=\"__11 _624\"> </span>Aktier och andelar<span class=\"__11 _3f_5\"> </span>38 887<span class=\"__11 _657\"> </span>44 7<span class=\"__11 _617\"/>48<span class=\"__11 _624\"> </span>F<span class=\"__11 _617\"/>astigheter<span class=\"__11 _658\"> </span>691<span class=\"__11 _659\"> </span>602<span class=\"__11 _624\"> </span>\u00d6vriga tillg\u00e5ngar<span class=\"__11 _660\"> </span>118<span class=\"__11 _661\"> </span>131<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _662\"> </span>41 645<span class=\"__11 _657\"> </span>46 912<span class=\"__11 _624\"> </span>Skulder<span class=\"__11 _624\"> </span>Placeringsportf\u00f6ljer<span class=\"__11 _663\"> </span>4 170<span class=\"__11 _648\"> </span>4 857<span class=\"__11 _624\"> </span>Fondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal<span class=\"__11 _664\"> </span>38 606<span class=\"__11 _650\"> </span>43 344<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _665\"> </span><span class=\"ls0_11 ws0_11\">42 7<span class=\"__11 _626\"/>76<span class=\"__11 _657\"> </span></span>48 201<span class=\"__11 _624\"> </span>I balansr\u00e4kningen f<span class=\"__11 _617\"/>\u00f6r livf\u00f6rs\u00e4kringsverksamheten och f<span class=\"__11 _617\"/>\u00f6r Nordea Danmark, \ufb01lial till Nordea Bank Abp<span class=\"__11 _617\"/>, Finland redovi-<span class=\"__11 _624\"> </span>sas tillg\u00e5ngar och skulder f<span class=\"__11 _617\"/>\u00f6r vilka kunderna b\u00e4r risken. E<span class=\"__11 _617\"/>fter-<span class=\"__11 _624\"> </span>som tillg\u00e5ngarna och skulderna juridisk<span class=\"__11 _617\"/>t sett tillh\u00f6r f<span class=\"__11 _617\"/>\u00f6retagen, redovisas dessa tillg\u00e5ngar och sk<span class=\"__11 _617\"/>ulder i Nordeas balansr\u00e4kning.<span class=\"__11 _624\"> </span>F\u00f6r mer in<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>ormation om verkligt v<span class=\"__11 _617\"/>\u00e4rde f<span class=\"__11 _617\"/>\u00f6r placeringsport-<span class=\"__11 _624\"> </span>f\u00f6ljer och f<span class=\"__11 _617\"/>ondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal, se no<span class=\"__11 _617\"/>t K5.3 \u201dF\u00f6rvaltningsf<span class=\"__11 _617\"/>astighet<span class=\"__11 _617\"/>er<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>K3.<span class=\"__11 _625\"/>12<span class=\"fs6_10\">  </span>Derivatinstrumen<span class=\"__11 _617\"/>t<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>Ett derivatins<span class=\"__11 _617\"/>trument \u00e4r ett \ufb01nansiell<span class=\"__11 _617\"/>t instrument eller anna<span class=\"__11 _617\"/>t avtal s<span class=\"__11 _617\"/>om har alla tre f<span class=\"__11 _617\"/>\u00f6ljande k\u00e4nnetecken:<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">Dess v\u00e4rde f<span class=\"__11 _617\"/>\u00f6r\u00e4ndr<span class=\"__11 _617\"/>as till f<span class=\"__11 _617\"/>\u00f6ljd av en f<span class=\"__11 _617\"/>\u00f6r\u00e4ndring i en angiv<span class=\"__11 _617\"/>en </span>variabel, ex<span class=\"__11 _617\"/>empelvis r<span class=\"__11 _617\"/>\u00e4nt<span class=\"__11 _617\"/>a, kurs p\u00e5 \ufb01nansiellt instrumen<span class=\"__11 _617\"/>t, r\u00e5<span class=\"__11 _617\"/>varupris, v<span class=\"__11 _617\"/>\u00e4xelk<span class=\"__11 _617\"/>urs, pris- eller r\u00e4nt<span class=\"__11 _617\"/>eindex, kr<span class=\"__11 _617\"/>editbetyg eller kreditinde<span class=\"__11 _617\"/>x, f\u00f6rutsa<span class=\"__11 _617\"/>tt att \u2013 i fr<span class=\"__11 _617\"/>\u00e5ga om en icke-\ufb01nansiell vari<span class=\"ws3_10\">-<span class=\"__11 _624\"> </span></span>abel \u2013 den inte \u00e4r speci\ufb01k f<span class=\"__11 _617\"/>\u00f6r n\u00e5gon a<span class=\"__11 _617\"/>v a<span class=\"__11 _617\"/>vtalsparterna (s\u00e5 kallad \u201dunderliggande variabel\u201d);<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">Det kr\u00e4<span class=\"__11 _617\"/>ver ingen initial nettoin<span class=\"__11 _617\"/>vest<span class=\"__11 _617\"/>ering eller en initial net<span class=\"ws3_10\">-<span class=\"__11 _624\"> </span></span></span>toinve<span class=\"__11 _617\"/>stering som \u00e4r mindr<span class=\"__11 _617\"/>e \u00e4n vad som skulle kr<span class=\"__11 _617\"/>\u00e4<span class=\"__11 _617\"/>vas f<span class=\"__11 _617\"/>\u00f6r andra typer a<span class=\"__11 _617\"/>v a<span class=\"__11 _617\"/>vtal som kan f<span class=\"__11 _617\"/>\u00f6rv\u00e4ntas r<span class=\"__11 _617\"/>eagera p\u00e5 liknande s\u00e4tt p\u00e5 f<span class=\"__11 _617\"/>\u00f6r\u00e4ndringar i marknadsf<span class=\"__11 _617\"/>akt<span class=\"__11 _617\"/>orer; och \u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">A<span class=\"__11 _617\"/>vvecklingen sk<span class=\"__11 _617\"/>er i fram<span class=\"__11 _617\"/>tiden.<span class=\"__11 _624\"> </span></span>Samtliga deriv<span class=\"__11 _617\"/>at redovisas i balansr<span class=\"__11 _617\"/>\u00e4kningen och v\u00e4r<span class=\"__11 _617\"/>deras till verkligt v\u00e4r<span class=\"__11 _617\"/>de. Derivat med positivt v<span class=\"__11 _617\"/>erkligt v\u00e4rde, inkl<span class=\"__11 _617\"/>usive upplupen r\u00e4n<span class=\"__11 _617\"/>ta, redovisas p\u00e5 tillg\u00e5ngssidan under pos<span class=\"__11 _617\"/>ten \u201dDerivatins<span class=\"__11 _617\"/>trument\u201d<span class=\"__11 _625\"/>. Derivat med negativt verkligt v<span class=\"__11 _617\"/>\u00e4rde, inklusive upplupen r<span class=\"__11 _617\"/>\u00e4nta, r<span class=\"__11 _617\"/>edovisas p\u00e5 skuldsidan under pos-<span class=\"__11 _624\"> </span>ten \u201dDeriva<span class=\"__11 _617\"/>tinstrument\u201d<span class=\"__11 _625\"/>. Vid v\u00e4rderingen a<span class=\"__11 _617\"/>v derivat till v<span class=\"__11 _617\"/>erk-<span class=\"__11 _624\"> </span>ligt v\u00e4rde g\u00f6r Nor<span class=\"__11 _617\"/>dea justeringar i f<span class=\"__11 _617\"/>orm a<span class=\"__11 _617\"/>v s\u00e5 kallade credit value adjustmen<span class=\"__11 _617\"/>ts (<span class=\"__11 _617\"/>CV<span class=\"__11 _625\"/>A) och debit value adjustmen<span class=\"__11 _617\"/>ts (DV<span class=\"__11 _625\"/>A). CV<span class=\"__11 _617\"/>A<span class=\"__11 _617\"/> och DV<span class=\"__11 _625\"/>A<span class=\"__11 _617\"/> speglar hur motpartens kreditrisk re<span class=\"__11 _617\"/>spektiv<span class=\"__11 _617\"/>e Nordeas egen kreditv<span class=\"__11 _617\"/>\u00e4rdighet p\u00e5<span class=\"__11 _617\"/>verkar deriva<span class=\"__11 _617\"/>tets verkliga v\u00e4rde. F<span class=\"__11 _617\"/>\u00f6r ytterligare in<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>ormation om ber\u00e4kningen och \u00f6<span class=\"__11 _617\"/>vriga XV<span class=\"__11 _625\"/>A, se not K3.4 \u201dVerkligt v<span class=\"__11 _617\"/>\u00e4rde\u201d<span class=\"__11 _625\"/>. Realiserade och or<span class=\"__11 _617\"/>ealiserade vins<span class=\"__11 _617\"/>ter och f<span class=\"__11 _617\"/>\u00f6rluster p\u00e5 deri-<span class=\"__11 _624\"> </span>vat r<span class=\"__11 _617\"/>edovisas i resul<span class=\"__11 _617\"/>tatr\u00e4kningen under pos<span class=\"__11 _617\"/>ten \u201dNettor<span class=\"__11 _617\"/>esultat av pos<span class=\"__11 _617\"/>ter till verkligt v<span class=\"__11 _617\"/>\u00e4rde\u201d<span class=\"__11 _625\"/>. F\u00f6r mer in<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>ormation om redo<span class=\"__11 _617\"/>vis-<span class=\"__11 _624\"> </span>ningsprinciper och kritiska bed\u00f6mningar<span class=\"__11 _625\"/>, se not K3.4 \u201dV<span class=\"__11 _617\"/>erkligt v\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Derivatins<span class=\"__11 _617\"/>trument<span class=\"__11 _624\"> </span>V<span class=\"__11 _617\"/>erkligt v\u00e4rde Nominellt belopp<span class=\"__11 _666\"/>31 dec 2022, mn euro<span class=\"__11 _4a_3\"> </span>Positivt<span class=\"__11 _4b_3\"> </span>Negativt<span class=\"__11 _624\"> </span>Derivat som in<span class=\"__11 _617\"/>te anv<span class=\"__11 _617\"/>\u00e4nds f\u00f6r s\u00e4kringsredovisning<span class=\"__11 _4c_3\"> </span>204 938<span class=\"__11 _4b_3\"> </span>206 220<span class=\"__11 _4d_3\"> </span>6 998 966<span class=\"__11 _624\"> </span>Derivat som an<span class=\"__11 _617\"/>v\u00e4nds f\u00f6r s\u00e4kringsredovisning<span class=\"__11 _4e_3\"> </span>6 606<span class=\"__11 _2d_5\"> </span>7 965<span class=\"__11 _4f_3\"> </span>213 147<span class=\"__11 _624\"> </span>Summa bruttobelopp<span class=\"__11 _667\"> </span>211 544<span class=\"__11 _668\"> </span>214 185<span class=\"__11 _669\"> </span>7 212 113<span class=\"__11 _624\"> </span>Kvitt<span class=\"__11 _617\"/>at belopp<span class=\"__11 _654\"> </span>-17<span class=\"__11 _617\"/>4 966<span class=\"__11 _670\"> </span>-17<span class=\"__11 _625\"/>4 083<span class=\"__11 _624\"> </span>Summa derivatinstrumen<span class=\"__11 _617\"/>t<span class=\"__11 _1f_7\"> </span>36 578<span class=\"__11 _671\"> </span>40 102<span class=\"__11 _669\"> </span>7 212 113<span class=\"__11 _624\"> </span>V<span class=\"__11 _617\"/>erkligt v\u00e4rde Nominellt belopp<span class=\"__11 _666\"/>31 dec 2021, mn euro<span class=\"__11 _672\"> </span>Positivt<span class=\"__11 _4b_3\"> </span>Negativt<span class=\"__11 _624\"> </span>Derivat som in<span class=\"__11 _617\"/>te anv<span class=\"__11 _617\"/>\u00e4nds f\u00f6r s\u00e4kringsredovisning<span class=\"__11 _673\"> </span>91 430<span class=\"__11 _674\"> </span>91 275<span class=\"__11 _675\"> </span>6 303 553<span class=\"__11 _624\"> </span>Derivat som an<span class=\"__11 _617\"/>v\u00e4nds f\u00f6r s\u00e4kringsredovisning<span class=\"__11 _676\"> </span>2 513<span class=\"__11 _5a_3\"> </span>1 753<span class=\"__11 _5b_3\"> </span>285 932<span class=\"__11 _624\"> </span>Summa bruttobelopp<span class=\"__11 _5c_3\"> </span>93 943<span class=\"__11 _5d_3\"> </span>93 028<span class=\"__11 _4d_3\"> </span>6 589 485<span class=\"__11 _624\"> </span>Kvitt<span class=\"__11 _617\"/>at belopp<span class=\"__11 _651\"> </span>-63 7<span class=\"__11 _625\"/>4<span class=\"__11 _626\"/>3<span class=\"__11 _5e_3\"> </span>-61 543<span class=\"__11 _624\"> </span>Summa derivatinstrumen<span class=\"__11 _617\"/>t<span class=\"__11 _1b_7\"> </span>30 200<span class=\"__11 _5f_3\"> </span>31 485<span class=\"__11 _4d_3\"> </span>6 589 485<span class=\"__11 _624\"> </span><div class=\"t_11 m0_11 h1_11 ff1_11 fs0_11 fc0_11 sc0_11 ls0_11 ws0_11\" style=\"left:0.013025284px; bottom:2.1012287px;\">148<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h2_11 ff2_11 fs1_10 fc0_11 sc0_11 ls1_11 ws1_11\" style=\"left:44.466393px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h3_10 ff2_11 fs1_10 fc0_11 sc0_11 ls2_10 ws2_10\" style=\"left:48.667603px; bottom:1029.1447px;\">Inledning<span class=\"__11 _616\"> </span><span class=\"__11 _624\">Aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5den<span class=\"__11 _618\"/><span class=\"ws3_10\">V<span class=\"__11 _617\"/>\u00e5ra in<span class=\"__11 _617\"/>tressent<span class=\"__11 _617\"/>er<span class=\"__11 _619\"> </span><span class=\"ff1_11\">Finansiella rapporter<span class=\"__11 _620\"/><span class=\"ff2_11 ws2_10\">F\u00f6rvaltningsber<span class=\"__11 _617\"/>\u00e4ttelse<span class=\"__11 _621\"> </span>H\u00e5llbarhetsnoter<span class=\"__11 _622\"> </span>\u00d6vrigt<span class=\"__11 _623\"/><span class=\"ws3_10\">Strategisk r<span class=\"__11 _617\"/>apport<span class=\"__11 _624\"> </span></span></span></span></span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:951.6515px;\">Nordea anv<span class=\"__11 _617\"/>\u00e4nder derivatins<span class=\"__11 _617\"/>trument i handels- och riskhan<span class=\"__11 _617\"/>te-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:938.12634px;\">ringssyfte. Nordea kan ta positioner med f<span class=\"__11 _617\"/>\u00f6rv\u00e4ntning om a<span class=\"__11 _617\"/>tt </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:924.60114px;\">g\u00f6ra en vinst p\u00e5 gynnsamma f<span class=\"__11 _617\"/>\u00f6r\u00e4ndringar i ak<span class=\"__11 _617\"/>tie- eller val<span class=\"__11 _617\"/>u-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:911.0759px;\">takurser<span class=\"__11 _625\"/>, r\u00e4ntor eller inde<span class=\"__11 _617\"/>x. Handelsportf\u00f6ljen han<span class=\"__11 _617\"/>teras s<span class=\"__11 _617\"/>om </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 wsb_10\" style=\"left:44.466393px; bottom:897.5507px;\">handelsrisk i riskhanteringssyfte. Deriv<span class=\"__11 _617\"/>atinstrumen<span class=\"__11 _617\"/>t som inne<span class=\"ws3_10\">-<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:884.0255px;\">has i riskhanteringssyfte innef<span class=\"__11 _617\"/>attar dels s\u00e4kringar s<span class=\"__11 _617\"/>om upp-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:870.5003px;\">fyller kriterierna f<span class=\"__11 _617\"/>\u00f6r s\u00e4kringsredovisning, dels s\u00e5 kallade ek<span class=\"__11 _617\"/>o-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:856.9751px;\">nomiska s\u00e4kringar<span class=\"__11 _625\"/>, som inte uppfyller kriterierna f<span class=\"__11 _617\"/>\u00f6r </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:843.4499px;\">s\u00e4kringsredovisning.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:57.361748px; bottom:829.88947px;\">T<span class=\"__11 _625\"/>abellen nedan visar derivatins<span class=\"__11 _617\"/>trumentens v<span class=\"__11 _617\"/>erkliga v\u00e4rde </div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:44.466393px; bottom:816.3643px;\">och nominella belopp. De nominella beloppen anger utes<span class=\"__11 _617\"/>t\u00e5</div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:327.99225px; bottom:816.36053px;\">-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:44.466393px; bottom:802.8314px;\">ende transak<span class=\"__11 _617\"/>tionsvolym vid \u00e5r<span class=\"__11 _617\"/>ets slut och ger int<span class=\"__11 _617\"/>e n\u00e5gon indi<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:365.0711px; bottom:951.6515px;\">kation om var<span class=\"__11 _617\"/>e sig marknadsrisk eller kreditrisk. Derivatins<span class=\"__11 _617\"/>tru<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:365.0711px; bottom:938.12244px;\">menten delas upp i deriv<span class=\"__11 _617\"/>at som in<span class=\"__11 _617\"/>te anv<span class=\"__11 _617\"/>\u00e4nds f\u00f6r s\u00e4kringsr<span class=\"__11 _617\"/>edo<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:365.0711px; bottom:924.5932px;\">visning och derivat som an<span class=\"__11 _617\"/>v\u00e4nds f<span class=\"__11 _617\"/>\u00f6r s\u00e4kringsredovisning. F<span class=\"__11 _617\"/>\u00f6r </div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:365.0711px; bottom:911.068px;\">mer inf<span class=\"__11 _617\"/>ormation om deriv<span class=\"__11 _617\"/>at som anv<span class=\"__11 _617\"/>\u00e4nds f\u00f6r s\u00e4kringsr<span class=\"__11 _617\"/>edovis</div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:656.11743px; bottom:911.0642px;\">-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:365.0711px; bottom:897.5351px;\">ning, se not K3.6 \u201dS\u00e4kringsredo<span class=\"__11 _617\"/>visning\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:377.96643px; bottom:884.00995px;\">V<span class=\"__11 _617\"/>erkligt v\u00e4r<span class=\"__11 _617\"/>de och nominellt belopp f<span class=\"__11 _617\"/>\u00f6r derivat i denna no<span class=\"__11 _617\"/>t </div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:365.0711px; bottom:870.48474px;\">avser f<span class=\"__11 _617\"/>r\u00e5n och med 2022 deriv<span class=\"__11 _617\"/>atens v<span class=\"__11 _617\"/>\u00e4rde f<span class=\"__11 _617\"/>\u00f6re kvittning mellan </div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:365.0711px; bottom:856.95953px;\">tillg\u00e5ngar och skulder i balansr\u00e4kningen (brutt<span class=\"__11 _617\"/>obelopp) och </div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:365.0711px; bottom:843.4343px;\">inte som tidigar<span class=\"__11 _617\"/>e efter kvittning. Sk\u00e4let \u00e4r a<span class=\"__11 _617\"/>tt bruttobeloppet </div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:365.0711px; bottom:829.9091px;\">b\u00e4ttre speglar <span class=\"ws7_10\">Nordea</span>s e<span class=\"__11 _617\"/>xponering. J\u00e4m<span class=\"__11 _617\"/>f\u00f6r<span class=\"__11 _617\"/><span class=\"__11 _624\">elsesiffr</span><span class=\"__11 _617\"/>orna har r\u00e4k</div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:665.99585px; bottom:829.88947px;\">-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:365.0711px; bottom:816.36053px;\">nats om p\u00e5 motsv<span class=\"__11 _617\"/>arande s\u00e4tt.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h7_10 ff3_10 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:986.27924px;\">K3.<span class=\"__11 _617\"/>12  Derivatinstrumen<span class=\"__11 _617\"/>t, forts.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h4_10 ff1_11 fs2_10 fc0_11 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:273.87677px;\">K3.<span class=\"__11 _625\"/>13  Skulder till kreditinstitut<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h5_10 ff1_11 fs3_10 fc1_10 sc0_11 ls1_11 ws3_10\" style=\"left:51.836487px; bottom:246.81985px;\">Redovisningsprinciper<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:222.23569px;\">Skulder till kreditins<span class=\"__11 _617\"/>titut innefa<span class=\"__11 _617\"/>ttar skulder till cen<span class=\"__11 _617\"/>tralbank<span class=\"__11 _617\"/>er<span class=\"__11 _625\"/>, </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:208.7105px;\">banker<span class=\"__11 _625\"/>, kreditmarknadsbolag, kreditbolag, \ufb01nansbolag och </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:195.18529px;\">hypoteksins<span class=\"__11 _617\"/>titut. Inl\u00e5ning klassi\ufb01ceras i enlighet med not K3.3 </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:181.6601px;\">\u201dKlassi\ufb01cering och v\u00e4rdering\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:57.361748px; bottom:168.13489px;\">F\u00f6r ytt<span class=\"__11 _617\"/>erligare redovisningsprinciper<span class=\"__11 _625\"/>, se not K3.<span class=\"__11 _625\"/>1 \u201dRedovis-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:154.6097px;\">ning och bortbokning i balansr\u00e4kningen\u201d<span class=\"__11 _625\"/>, not K3.2 \u201d\u00d6verf\u00f6rda </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:141.08449px;\">tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter<span class=\"__11 _626\"/>\u201d och not K3.4 \u201dV<span class=\"__11 _617\"/>erkligt </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:127.559296px;\">v\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h8_10 ff1_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:756.3706px;\">Derivat som in<span class=\"__11 _617\"/>te an<span class=\"__11 _617\"/>v\u00e4nds f<span class=\"__11 _617\"/>\u00f6r s\u00e4kringsredovisning<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:220.889px; bottom:739.8103px;\">V<span class=\"__11 _617\"/>erkligt v\u00e4rde</div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:306.8762px; bottom:733.39087px;\"> Nominellt </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:319.09882px; bottom:723.64087px;\">belopp<span class=\"__11 _666\"/>31 dec 2022, mn euro<span class=\"__11 _4a_3\"> </span>Positivt<span class=\"__11 _4b_3\"> </span>Negativt<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:702.8141px;\">R\u00e4ntederiva<span class=\"__11 _617\"/>t<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:685.3421px;\">R\u00e4ntesw<span class=\"__11 _617\"/>appar<span class=\"__11 _677\"> </span>181 687<span class=\"__11 _668\"> </span><span class=\"ls0_11 ws0_11\">179 4<span class=\"__11 _626\"/>2<span class=\"__11 _626\"/>3<span class=\"__11 _678\"> </span></span>4 149 868<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:669.6719px;\">FRA<span class=\"__11 _679\"> </span>3 687<span class=\"__11 _3b_5\"> </span>4 124<span class=\"__11 _675\"> </span>1 455 868<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:654.0017px;\">T<span class=\"__11 _625\"/>erminer<span class=\"__11 _680\"> </span>34<span class=\"__11 _641\"> </span>66<span class=\"__11 _668\"> </span>103 027<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:638.3315px;\">Optioner<span class=\"__11 _681\"> </span>6 311<span class=\"__11 _646\"> </span>6 267<span class=\"__11 _5e_3\"> </span>371 724<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:621.9242px;\">Summa<span class=\"__11 _621\"> </span>191 719<span class=\"__11 _682\"> </span>189 880<span class=\"__11 _4d_3\"> </span>6 080 487<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:601.0943px;\">Aktiederiva<span class=\"__11 _617\"/>t<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:584.687px;\">Aktiesw<span class=\"__11 _617\"/>appar<span class=\"__11 _683\"> </span>352<span class=\"__11 _684\"> </span>306<span class=\"__11 _671\"> </span>18 964<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:569.0168px;\">T<span class=\"__11 _625\"/>erminer<span class=\"__11 _685\"> </span>5<span class=\"__11 _686\"> </span>9<span class=\"__11 _6a_3\"> </span>703<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:553.3466px;\">Optioner<span class=\"__11 _6b_3\"> </span>122<span class=\"__11 _6c_3\"> </span>413<span class=\"__11 _6d_3\"> </span>4 394<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:536.9393px;\">Summa<span class=\"__11 _6e_3\"> </span>479<span class=\"__11 _6a_3\"> </span>728<span class=\"__11 _5f_3\"> </span>2<span class=\"__11 _617\"/>4 061<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:516.1094px;\">V<span class=\"__11 _617\"/>alutaderiv<span class=\"__11 _617\"/>at<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:499.7021px;\">V<span class=\"__11 _617\"/>aluta<span class=\"__11 _617\"/>- och r\u00e4nt<span class=\"__11 _617\"/>eswappar<span class=\"__11 _6f_3\"> </span>7 459<span class=\"__11 _657\"> </span>8 806<span class=\"__11 _682\"> </span>334 844<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:484.0319px;\">V<span class=\"__11 _617\"/>aluta<span class=\"__11 _617\"/>terminer<span class=\"__11 _687\"> </span>3 506<span class=\"__11 _2b_5\"> </span>4 741<span class=\"__11 _4b_3\"> </span>370 760<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:468.3617px;\">Optioner<span class=\"__11 _680\"> </span>94<span class=\"__11 _661\"> </span>81<span class=\"__11 _671\"> </span>10 499<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:451.9544px;\">Summa<span class=\"__11 _688\"> </span>11 059<span class=\"__11 _5f_3\"> </span>13 628<span class=\"__11 _689\"> </span>716 103<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:431.1245px;\">\u00d6vriga derivat<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:414.7172px;\">Kreditderiva<span class=\"__11 _617\"/>t (CDS)<span class=\"__11 _690\"> </span>1 663<span class=\"__11 _691\"> </span>1 917<span class=\"__11 _5e_3\"> </span>1<span class=\"__11 _617\"/>78 128<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:399.047px;\">R\u00e5v<span class=\"__11 _617\"/>aruderivat<span class=\"__11 _664\"> </span>10<span class=\"__11 _627\"> </span>37<span class=\"__11 _692\"> </span>125<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:383.3768px;\">\u00d6vriga derivat<span class=\"__11 _693\"> </span>8<span class=\"__11 _694\"> </span>30<span class=\"__11 _694\"> </span>62<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:366.9695px;\">Summa<span class=\"__11 _695\"> </span>1 681<span class=\"__11 _6d_3\"> </span>1 984<span class=\"__11 _5e_3\"> </span>178 315<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:349.8251px;\">Summa derivat som in<span class=\"__11 _617\"/>te anv<span class=\"__11 _617\"/>\u00e4nds </div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:338.7777px;\">f\u00f6r s\u00e4kringsredo<span class=\"__11 _617\"/>visning<span class=\"__11 _696\"> </span>204 938<span class=\"__11 _7a_3\"> </span>206 220<span class=\"__11 _4d_3\"> </span><span class=\"wsc_10\">6 998 966<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:541.97754px; bottom:739.47876px;\">V<span class=\"__11 _617\"/>erkligt v\u00e4rde</div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:627.4747px; bottom:733.0594px;\"> Nominellt </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:639.69727px; bottom:723.3094px;\">belopp<span class=\"__11 _666\"/>31 dec 2021, mn euro<span class=\"__11 _672\"> </span>Positivt<span class=\"__11 _4b_3\"> </span>Negativt<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:370.2239px; bottom:702.4826px;\">R\u00e4ntederiva<span class=\"__11 _617\"/>t<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:370.2239px; bottom:686.0753px;\">R\u00e4ntesw<span class=\"__11 _617\"/>appar<span class=\"__11 _3e_5\"> </span>75 045<span class=\"__11 _5d_3\"> </span>73 486<span class=\"__11 _644\"> </span>3 629 671<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:370.2239px; bottom:670.4051px;\">FRA<span class=\"__11 _7b_3\"> </span>220<span class=\"__11 _684\"> </span><span class=\"ls6_10 ws8_10\">24<span class=\"__11 _626\"/>0<span class=\"__11 _7c_3\"> </span></span>1 220 039<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:370.2239px; bottom:654.7349px;\">T<span class=\"__11 _625\"/>erminer<span class=\"__11 _7d_4\"> </span>10<span class=\"__11 _694\"> </span>36<span class=\"__11 _5d_3\"> </span>80 269<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:370.2239px; bottom:639.0647px;\">Optioner<span class=\"__11 _688\"> </span>3 364<span class=\"__11 _7e_3\"> </span>3 808<span class=\"__11 _682\"> </span>409 479<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:370.2239px; bottom:622.6574px;\">Summa<span class=\"__11 _2c_5\"> </span>78 639<span class=\"__11 _7f_4\"> </span>77 570<span class=\"__11 _697\"> </span>5 339 458<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:370.2239px; bottom:601.8275px;\">Aktiederiva<span class=\"__11 _617\"/>t<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:370.2239px; bottom:585.4202px;\">Aktiesw<span class=\"__11 _617\"/>appar<span class=\"__11 _698\"> </span>210<span class=\"__11 _6c_3\"> </span>273<span class=\"__11 _674\"> </span>16 315<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:370.2239px; bottom:569.75px;\">T<span class=\"__11 _625\"/>erminer<span class=\"__11 _699\"> </span>1<span class=\"__11 _661\"> </span>19<span class=\"__11 _5a_3\"> </span>1 210<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:370.2239px; bottom:554.0798px;\">Optioner<span class=\"__11 _6b_3\"> </span>137<span class=\"__11 _6a_3\"> </span>563<span class=\"__11 _646\"> </span>9 015<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:370.2239px; bottom:537.6725px;\">Summa<span class=\"__11 _6e_3\"> </span>348<span class=\"__11 _684\"> </span>855<span class=\"__11 _700\"> </span>26 540<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:370.2239px; bottom:516.8426px;\">V<span class=\"__11 _617\"/>alutaderiv<span class=\"__11 _617\"/>at<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:370.2239px; bottom:500.4353px;\">V<span class=\"__11 _617\"/>aluta<span class=\"__11 _617\"/>- och r\u00e4nt<span class=\"__11 _617\"/>eswappar<span class=\"__11 _6f_3\"> </span>4 875<span class=\"__11 _646\"> </span>5 570<span class=\"__11 _4b_3\"> </span>368 437<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:370.2239px; bottom:484.76508px;\">V<span class=\"__11 _617\"/>aluta<span class=\"__11 _617\"/>terminer<span class=\"__11 _687\"> </span>3 028<span class=\"__11 _2b_5\"> </span>2 541<span class=\"__11 _689\"> </span>382 221<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:370.2239px; bottom:469.0949px;\">Optioner<span class=\"__11 _701\"> </span>104<span class=\"__11 _702\"> </span>121<span class=\"__11 _703\"> </span>15 179<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:370.2239px; bottom:452.6876px;\">Summa<span class=\"__11 _704\"> </span>8 007<span class=\"__11 _2d_5\"> </span>8 2<span class=\"__11 _626\"/>32<span class=\"__11 _4b_3\"> </span>765 837<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:370.2239px; bottom:431.8577px;\">\u00d6vriga derivat<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:370.2239px; bottom:415.4504px;\">Kreditderiva<span class=\"__11 _617\"/>t (CDS)<span class=\"__11 _705\"> </span>4 430<span class=\"__11 _646\"> </span>4 567<span class=\"__11 _700\"> </span>171 167<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:370.2239px; bottom:399.7802px;\">R\u00e5v<span class=\"__11 _617\"/>aruderivat<span class=\"__11 _706\"> </span>4<span class=\"__11 _694\"> </span><span class=\"ls8_10 wsd_10\">42<span class=\"__11 _8a_3\"> </span></span>499<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:370.2239px; bottom:384.11px;\">\u00d6vriga derivat<span class=\"__11 _706\"> </span>2<span class=\"__11 _686\"> </span>9<span class=\"__11 _627\"> </span><span class=\"ls9_10 wse_10\">52<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:370.2239px; bottom:367.7027px;\">Summa<span class=\"__11 _704\"> </span>4 436<span class=\"__11 _6d_3\"> </span>4 618<span class=\"__11 _4f_3\"> </span>171 718<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:370.2239px; bottom:350.5583px;\">Summa derivat som in<span class=\"__11 _617\"/>te anv<span class=\"__11 _617\"/>\u00e4nds </div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:370.2239px; bottom:339.5109px;\">f\u00f6r s\u00e4kringsredo<span class=\"__11 _617\"/>visning<span class=\"__11 _639\"> </span>91 430<span class=\"__11 _8b_3\"> </span>91 275<span class=\"__11 _678\"> </span>6 303 553<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h8_10 ff1_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:277.28925px;\">Skulder till kreditinstitut<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:370.2239px; bottom:260.75522px;\">Mn euro<span class=\"__11 _8c_3\"> </span>31 dec 2022<span class=\"__11 _8d_3\"> </span>31 dec 2021<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:370.2239px; bottom:243.98053px;\">Centralbank<span class=\"__11 _617\"/>er<span class=\"__11 _7b_3\"> </span>16 418<span class=\"__11 _5f_3\"> </span>15 998<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:370.2239px; bottom:227.57323px;\">Banker<span class=\"__11 _8e_3\"> </span>15 107<span class=\"__11 _5f_3\"> </span>10 002<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:370.2239px; bottom:211.16592px;\">\u00d6vriga kreditinstitut<span class=\"__11 _8f_3\"> </span>1 344<span class=\"__11 _6a_3\"> </span>961<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:370.2239px; bottom:194.75862px;\">Summa<span class=\"__11 _707\"> </span>32 869<span class=\"__11 _5f_3\"> </span>26 961<span class=\"__11 _624\"> </span></div>149<span class=\"__11 _624\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__11 _624\"> </span>Inledning<span class=\"__11 _616\"> </span><span class=\"__11 _624\">Aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5den<span class=\"__11 _618\"/><span class=\"ws3_10\">V<span class=\"__11 _617\"/>\u00e5ra in<span class=\"__11 _617\"/>tressent<span class=\"__11 _617\"/>er<span class=\"__11 _619\"> </span><span class=\"ff1_11\">Finansiella rapporter<span class=\"__11 _620\"/><span class=\"ff2_11 ws2_10\">F\u00f6rvaltningsber<span class=\"__11 _617\"/>\u00e4ttelse<span class=\"__11 _621\"> </span>H\u00e5llbarhetsnoter<span class=\"__11 _622\"> </span>\u00d6vrigt<span class=\"__11 _623\"/><span class=\"ws3_10\">Strategisk r<span class=\"__11 _617\"/>apport<span class=\"__11 _624\"> </span></span></span></span></span>K3.<span class=\"__11 _625\"/>16  \u00d6vriga skulder<span class=\"__11 _624\"> </span> Redovisningsprinciper<span class=\"__11 _624\"> </span>\u00d6vriga skulder \u00e4r skulder som in<span class=\"__11 _617\"/>te upp<span class=\"__11 _617\"/>fyller kriterierna f\u00f6r<span class=\"__11 _624\"> </span> n\u00e5gon av de \u00f6<span class=\"__11 _617\"/>vriga skuldpost<span class=\"__11 _617\"/>erna.<span class=\"__11 _624\"> </span>F\u00f6r ytt<span class=\"__11 _617\"/>erligare redovisningsprinciper<span class=\"__11 _625\"/>, se not K3.<span class=\"__11 _625\"/>1 \u201dRedovis-<span class=\"__11 _624\"> </span>ning och bortbokning i balansr\u00e4kningen\u201d<span class=\"__11 _625\"/>, not K3.3 \u201dKlassi\ufb01ce-<span class=\"__11 _624\"> </span>ring och v\u00e4rdering\u201d och no<span class=\"__11 _617\"/>t K3.4 \u201dV<span class=\"__11 _617\"/>erkligt v\u00e4r<span class=\"__11 _617\"/>de\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>\u00d6vriga skulder<span class=\"__11 _624\"> </span>31 dec 2022, mn euro<span class=\"__11 _624\"> </span>Finansiella<span class=\"__11 _624\"> </span> skulder<span class=\"__11 _624\"> </span>Icke<span class=\"__11 _624\"> </span> \ufb01nansiella<span class=\"__11 _624\"> </span> skulder<span class=\"__11 _648\"> </span><span class=\"lsa_10 wsf_10\">To<span class=\"__11 _708\"/>t<span class=\"__11 _708\"/>a<span class=\"__11 _708\"/>l<span class=\"__11 _624\"> </span></span>Fondlikvidskulder<span class=\"__11 _655\"> </span>1 626<span class=\"__11 _709\"> </span>\u2013<span class=\"__11 _3b_5\"> </span>1 626<span class=\"__11 _624\"> </span>S\u00e5lda ej innehav<span class=\"__11 _617\"/>da v\u00e4rdepapper<span class=\"__11 _641\"> </span>5 221<span class=\"__11 _709\"> </span>\u2013<span class=\"__11 _5a_3\"> </span>5 221<span class=\"__11 _624\"> </span>Leveran<span class=\"__11 _617\"/>t\u00f6rsskulder<span class=\"__11 _655\"> </span>485<span class=\"__11 _709\"> </span>\u2013<span class=\"__11 _684\"> </span>485<span class=\"__11 _624\"> </span>Erh\u00e5llna marginals\u00e4kerheter<span class=\"__11 _629\"> </span>4 498<span class=\"__11 _710\"> </span>\u2013<span class=\"__11 _7e_3\"> </span>4 498<span class=\"__11 _624\"> </span>Leasingskulder<span class=\"__11 _687\"> </span>1 080<span class=\"__11 _710\"> </span>\u2013<span class=\"__11 _646\"> </span>1 080<span class=\"__11 _624\"> </span>\u00d6vriga<span class=\"__11 _680\"> </span><span class=\"ls0_11 ws0_11\">2 517<span class=\"__11 _691\"> </span></span>1 377<span class=\"__11 _6d_3\"> </span>3 894<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _711\"> </span>15 427<span class=\"__11 _5a_3\"> </span>1 377<span class=\"__11 _5d_3\"> </span>16 804<span class=\"__11 _624\"> </span>31 dec 2021, mn euro<span class=\"__11 _624\"> </span>Finansiella<span class=\"__11 _624\"> </span> skulder<span class=\"__11 _624\"> </span>Icke<span class=\"__11 _624\"> </span> \ufb01nansiella<span class=\"__11 _624\"> </span> skulder<span class=\"__11 _648\"> </span><span class=\"lsa_10 wsf_10\">To<span class=\"__11 _708\"/>t<span class=\"__11 _708\"/>a<span class=\"__11 _708\"/>l<span class=\"__11 _624\"> </span></span>Fondlikvidskulder<span class=\"__11 _654\"> </span>1 154<span class=\"__11 _710\"> </span>\u2013<span class=\"__11 _712\"> </span>1 154<span class=\"__11 _624\"> </span>S\u00e5lda ej innehav<span class=\"__11 _617\"/>da v\u00e4rdepapper<span class=\"__11 _713\"> </span>7 906<span class=\"__11 _709\"> </span>\u2013<span class=\"__11 _2d_5\"> </span>7 906<span class=\"__11 _624\"> </span>Leveran<span class=\"__11 _617\"/>t\u00f6rsskulder<span class=\"__11 _714\"> </span>139<span class=\"__11 _709\"> </span>\u2013<span class=\"__11 _6c_3\"> </span>139<span class=\"__11 _624\"> </span>Erh\u00e5llna marginals\u00e4kerheter<span class=\"__11 _1b_7\"> </span>3 506<span class=\"__11 _710\"> </span>\u2013<span class=\"__11 _6d_3\"> </span>3 506<span class=\"__11 _624\"> </span>Leasingskulder<span class=\"__11 _715\"> </span>1 147<span class=\"__11 _709\"> </span>\u2013<span class=\"__11 _691\"> </span>1 147<span class=\"__11 _624\"> </span>\u00d6vriga<span class=\"__11 _716\"> </span>2 328<span class=\"__11 _646\"> </span>2 305<span class=\"__11 _2d_5\"> </span>4 633<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _688\"> </span>16 180<span class=\"__11 _646\"> </span>2 305<span class=\"__11 _671\"> </span>18 485<span class=\"__11 _624\"> </span>K3.<span class=\"__11 _625\"/>17  Efterst\u00e4llda skulder<span class=\"__11 _624\"> </span> Redovisningsprinciper<span class=\"__11 _624\"> </span>Efterst\u00e4llda sk<span class=\"__11 _617\"/>ulder \u00e4r \ufb01nansiella skulder f<span class=\"__11 _617\"/>\u00f6r vilka det fr<span class=\"__11 _617\"/>am-<span class=\"__11 _624\"> </span>g\u00e5r av a<span class=\"__11 _617\"/>vtalet a<span class=\"__11 _617\"/>tt de i h\u00e4ndelse a<span class=\"__11 _617\"/>v likvidation eller konk<span class=\"__11 _617\"/>urs<span class=\"__11 _624\"> </span> inte \u00e5<span class=\"__11 _617\"/>terbetalas f<span class=\"__11 _617\"/>\u00f6rr\u00e4n sam<span class=\"__11 _617\"/>tliga \u00e5taganden gen<span class=\"__11 _617\"/>temot andr<span class=\"__11 _617\"/>a<span class=\"__11 _624\"> </span> for<span class=\"__11 _617\"/>drings\u00e4gare har fullgjorts.<span class=\"__11 _624\"> </span> F\u00f6r ytt<span class=\"__11 _617\"/>erligare redovisningsprinciper<span class=\"__11 _625\"/>, se not K3.<span class=\"__11 _625\"/>1 \u201dRedo-<span class=\"__11 _624\"> </span>visning och bortbokning i balansr\u00e4kningen\u201d och not K3.3<span class=\"__11 _624\"> </span> \u201dKlassi\ufb01cering och v\u00e4rdering\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span> F\u00f6r en s\u00e4kr<span class=\"__11 _617\"/>ad post i en s\u00e4kring a<span class=\"__11 _617\"/>v verkligt v<span class=\"__11 _617\"/>\u00e4rde p\u00e5 mikro-<span class=\"__11 _624\"> </span>niv\u00e5, v\u00e4r<span class=\"__11 _617\"/>deras den s\u00e4krade risk<span class=\"__11 _617\"/>en till verkligt v\u00e4r<span class=\"__11 _617\"/>de och redo<span class=\"__11 _624\"> </span>-<span class=\"__11 _624\"> </span>visas p\u00e5 raden \u201dF<span class=\"__11 _617\"/>\u00f6r\u00e4ndringar a<span class=\"__11 _617\"/>v verkligt v<span class=\"__11 _617\"/>\u00e4rde f<span class=\"__11 _617\"/>\u00f6r mikros\u00e4k<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>ringar av r<span class=\"__11 _617\"/>\u00e4nt<span class=\"__11 _617\"/>erisk\u201d i tabellen nedan (f\u00f6r ytt<span class=\"__11 _617\"/>erligare inf<span class=\"__11 _617\"/>orma<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>tion, se not K3.6 \u201dS\u00e4kringsredo<span class=\"__11 _617\"/>visning\u201d). F\u00f6r mer in<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>ormation<span class=\"__11 _624\"> </span> om de kritiska bed\u00f6mningar som kr\u00e4<span class=\"__11 _617\"/>vs f<span class=\"__11 _617\"/>\u00f6r att bed\u00f6ma om e<span class=\"__11 _624\"> </span>n<span class=\"__11 _624\"> </span> efterst\u00e4lld skuld sk<span class=\"__11 _617\"/>a klassi\ufb01ceras som en sk<span class=\"__11 _617\"/>uld eller som ege<span class=\"__11 _624\"> </span>t<span class=\"__11 _624\"> </span> kapital, se not K3.3 \u201dKlassi\ufb01cering och v<span class=\"__11 _617\"/>\u00e4rdering\u201d<span class=\"__11 _624\"> </span><span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Efterst\u00e4llda sk<span class=\"__11 _617\"/>ulder<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _8c_3\"> </span>31 dec 2022<span class=\"__11 _8d_3\"> </span>31 dec 202<span class=\"__11 _624\"> </span>1<span class=\"__11 _624\"> </span>K\u00e4rnprim\u00e4rkapital<span class=\"__11 _7d_4\"> </span>2 600<span class=\"__11 _646\"> </span>2 44<span class=\"__11 _624\"> </span>7<span class=\"__11 _624\"> </span>Supplement\u00e4rt kapital<span class=\"__11 _621\"> </span>3 295<span class=\"__11 _3b_5\"> </span>4 272<span class=\"__11 _624\"> </span>\u00d6vriga efterst\u00e4llda skulder<span class=\"__11 _664\"> </span>10<span class=\"__11 _709\"> </span>\u2013<span class=\"__11 _624\"> </span>F\u00f6r\u00e4ndringar a<span class=\"__11 _617\"/>v verkligt v<span class=\"__11 _617\"/>\u00e4rde f<span class=\"__11 _617\"/>\u00f6r<span class=\"__11 _624\"> </span> mikros\u00e4kringar av r<span class=\"__11 _617\"/>\u00e4nterisk<span class=\"__11 _9a_3\"> </span>-504<span class=\"__11 _713\"> </span>131<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _8e_3\"> </span>5 401<span class=\"__11 _657\"> </span>6 85<span class=\"__11 _624\"> </span>0<span class=\"__11 _624\"> </span>F\u00f6r mer in<span class=\"__11 _617\"/>formation, s<span class=\"__11 _617\"/>e not M3.<span class=\"__11 _625\"/>14 \u201cEfterst\u00e4llda skulder\u201d<span class=\"__11 _624\"> </span><span class=\"__11 _617\"/>.<span class=\"__11 _624\"> </span>K3.<span class=\"__11 _625\"/>15  Emitterade v\u00e4rdepapper<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>Emitterade v<span class=\"__11 _617\"/>\u00e4rdepapper \u00e4r instrumen<span class=\"__11 _617\"/>t som Nordea emitter<span class=\"__11 _617\"/>at<span class=\"__11 _624\"> </span> och som enkelt kan \u00f6<span class=\"__11 _617\"/>verf\u00f6r<span class=\"__11 _617\"/>as utan Nordeas medgiv<span class=\"__11 _617\"/>ande.<span class=\"__11 _624\"> </span> Emitterade v<span class=\"__11 _617\"/>\u00e4rdepapper klassi\ufb01ceras i enlighet med no<span class=\"__11 _617\"/>t K3.3<span class=\"__11 _624\"> </span> \u201dKlassi\ufb01cering och v\u00e4rdering\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span> F\u00f6r en s\u00e4kr<span class=\"__11 _617\"/>ad post i en s\u00e4kring a<span class=\"__11 _617\"/>v verkligt v<span class=\"__11 _617\"/>\u00e4rde p\u00e5 mikro-<span class=\"__11 _624\"> </span>niv\u00e5, v\u00e4r<span class=\"__11 _617\"/>deras den s\u00e4krade risk<span class=\"__11 _617\"/>en till verkligt v\u00e4r<span class=\"__11 _617\"/>de och redo-<span class=\"__11 _624\"> </span>visas p\u00e5 raden \u201dF<span class=\"__11 _617\"/>\u00f6r\u00e4ndringar a<span class=\"__11 _617\"/>v verkligt v<span class=\"__11 _617\"/>\u00e4rde f<span class=\"__11 _617\"/>\u00f6r mikros\u00e4k<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>ringar av r<span class=\"__11 _617\"/>\u00e4nt<span class=\"__11 _617\"/>erisk\u201d i tabellen nedan (f\u00f6r ytt<span class=\"__11 _617\"/>erligare inf<span class=\"__11 _617\"/>orma<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>tion, se not K3.6 \u201dS\u00e4kringsredo<span class=\"__11 _617\"/>visning\u201d).<span class=\"__11 _624\"> </span>F\u00f6r ytt<span class=\"__11 _617\"/>erligare redovisningsprinciper<span class=\"__11 _625\"/>, se not K3.<span class=\"__11 _625\"/>1 \u201dRedovis-<span class=\"__11 _624\"> </span>ning och bortbokning i balansr\u00e4kningen\u201d och not K3.4 \u201dV<span class=\"__11 _625\"/>erk-<span class=\"__11 _624\"> </span>ligt v\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Emitterade v\u00e4r<span class=\"__11 _617\"/>depapper<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _8c_3\"> </span>31 dec 2022<span class=\"__11 _8d_3\"> </span>31 dec 2021<span class=\"__11 _624\"> </span>Bankcerti\ufb01kat<span class=\"__11 _9b_3\"> </span>36 930<span class=\"__11 _5d_3\"> </span>26 863<span class=\"__11 _624\"> </span>F\u00f6ret<span class=\"__11 _617\"/>agscerti\ufb01kat<span class=\"__11 _7d_4\"> </span>13 991<span class=\"__11 _674\"> </span>11 336<span class=\"__11 _624\"> </span>S\u00e4kerst\u00e4llda obligationer <span class=\"__11 _9c_4\"> </span>108 100<span class=\"__11 _668\"> </span>114 308<span class=\"__11 _624\"> </span>Senior icke-prioriterad sk<span class=\"__11 _617\"/>uld<span class=\"__11 _651\"> </span>11 126<span class=\"__11 _3b_5\"> </span>6 182<span class=\"__11 _624\"> </span>Senior icke-s\u00e4kerst\u00e4llda obligationer<span class=\"__11 _9d_3\"> </span>13 620<span class=\"__11 _8b_3\"> </span>17 067<span class=\"__11 _624\"> </span>\u00d6vriga<span class=\"__11 _9e_3\"> </span>34<span class=\"__11 _694\"> </span>36<span class=\"__11 _624\"> </span>F\u00f6r\u00e4ndringar a<span class=\"__11 _617\"/>v verkligt v<span class=\"__11 _617\"/>\u00e4rde f<span class=\"__11 _617\"/>\u00f6r<span class=\"__11 _624\"> </span> mikros\u00e4kringar av r<span class=\"__11 _617\"/>\u00e4nterisk<span class=\"__11 _3e_5\"> </span>-3 998<span class=\"__11 _6c_3\"> </span><span class=\"ls0_11 ws0_11\">573<span class=\"__11 _624\"> </span></span>Summa<span class=\"__11 _658\"> </span>179 803<span class=\"__11 _9f_3\"> </span>176 365<span class=\"__11 _624\"> </span>K3.<span class=\"__11 _625\"/>14 <span class=\"__11 _642\"> </span>In- och uppl\u00e5ning f<span class=\"__11 _617\"/>r\u00e5n allm\u00e4nheten<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>Inl\u00e5ning fr\u00e5n allm\u00e4nheten de<span class=\"__11 _617\"/>\ufb01nieras som medel p\u00e5 inl\u00e5nings-<span class=\"__11 _624\"> </span>kont<span class=\"__11 _617\"/>on som omf<span class=\"__11 _617\"/>attas a<span class=\"__11 _617\"/>v den s<span class=\"__11 _617\"/>tatliga ins\u00e4ttnings<span class=\"__11 _617\"/>garan<span class=\"__11 _617\"/>tin, men<span class=\"__11 _624\"> </span> innefa<span class=\"__11 _617\"/>ttar ocks\u00e5 belopp ut\u00f6v<span class=\"__11 _617\"/>er de enskilda beloppsgr\u00e4nserna.<span class=\"__11 _624\"> </span> \u00c4<span class=\"__11 _617\"/>ven individuell<span class=\"__11 _617\"/>t pensionssparande (IPS) ing\u00e5r<span class=\"__11 _625\"/>. Uppl\u00e5ning \u00e4r<span class=\"__11 _624\"> </span> andra skulder till allm\u00e4nhet<span class=\"__11 _617\"/>en \u00e4n skuldinstrumen<span class=\"__11 _617\"/>t. Inl\u00e5ning<span class=\"__11 _624\"> </span> klassi\ufb01ceras i enlighet med no<span class=\"__11 _617\"/>t K3.3 \u201dKlassi\ufb01cering och<span class=\"__11 _624\"> </span> v\u00e4rdering\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>F\u00f6r ytt<span class=\"__11 _617\"/>erligare redovisningsprinciper<span class=\"__11 _625\"/>, se not K3.<span class=\"__11 _625\"/>1 \u201dRedovis-<span class=\"__11 _624\"> </span>ning och bortbokning i balansr\u00e4kningen\u201d<span class=\"__11 _625\"/>, not K3.2 \u201d\u00d6verf\u00f6rda<span class=\"__11 _624\"> </span> tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter<span class=\"__11 _626\"/>\u201d och not K3.4 \u201dV<span class=\"__11 _617\"/>erkligt<span class=\"__11 _624\"> </span> v\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _8c_3\"> </span>31 dec 2022<span class=\"__11 _8d_3\"> </span>31 dec 2021<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Inl\u00e5ning1</span><span class=\"__11 _a0_3\"> </span>212 444<span class=\"__11 _682\"> </span>204 496<span class=\"__11 _624\"> </span>\u00c5terk\u00f6psa<span class=\"__11 _617\"/>vtal<span class=\"__11 _a1_3\"> </span>5 020<span class=\"__11 _3b_5\"> </span>1 305<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _658\"> </span>217 464<span class=\"__11 _4b_3\"> </span>205 801<span class=\"__11 _624\"> </span>1)  Inl\u00e5ning avseende individuellt pensionssparande (IPS) ing\u00e5r ocks\u00e5.<span class=\"__11 _624\"> </span>150<span class=\"__11 _624\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__11 _624\"> </span>Inledning<span class=\"__11 _616\"> </span><span class=\"__11 _624\">Aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5den<span class=\"__11 _618\"/><span class=\"ws3_10\">V<span class=\"__11 _617\"/>\u00e5ra in<span class=\"__11 _617\"/>tressent<span class=\"__11 _617\"/>er<span class=\"__11 _619\"> </span><span class=\"ff1_11\">Finansiella rapporter<span class=\"__11 _620\"/><span class=\"ff2_11 ws2_10\">F\u00f6rvaltningsber<span class=\"__11 _617\"/>\u00e4ttelse<span class=\"__11 _621\"> </span>H\u00e5llbarhetsnoter<span class=\"__11 _622\"> </span>\u00d6vrigt<span class=\"__11 _623\"/><span class=\"ws3_10\">Strategisk r<span class=\"__11 _617\"/>apport<span class=\"__11 _624\"> </span></span></span></span></span>K4 F<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsa<span class=\"__11 _625\"/>vtal Redovisningsprinciper<span class=\"__11 _624\"> </span>Ett f\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal de\ufb01nieras s<span class=\"__11 _617\"/>om \u201d<span class=\"__11 _625\"/>ett avtal enligt vilket en part (f\u00f6rs\u00e4kringsgivaren) ac<span class=\"__11 _617\"/>cepter<span class=\"__11 _617\"/>ar en betydande f<span class=\"__11 _617\"/>\u00f6rs\u00e4k-<span class=\"__11 _624\"> </span>ringsrisk fr\u00e5n en annan part (f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringstagaren) genom att g\u00e5 med p\u00e5 att kompenser<span class=\"__11 _617\"/>a f\u00f6rs\u00e4krings<span class=\"__11 _617\"/>tagaren om en angiven oviss fr<span class=\"__11 _617\"/>amtida h\u00e4ndelse (<span class=\"__11 _617\"/>den f\u00f6rs\u00e4kr<span class=\"__11 _617\"/>ade h\u00e4ndelsen) har en negativ inv<span class=\"__11 _617\"/>erkan p\u00e5 f\u00f6rs\u00e4kringst<span class=\"__11 _617\"/>agaren\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Finansiella avtal \u00e4r a<span class=\"__11 _625\"/>vtal med f\u00f6rs\u00e4kringstagare som har f\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtalets juridiska f<span class=\"__11 _617\"/>orm, men f<span class=\"__11 _617\"/>\u00f6r vilka f\u00f6rs\u00e4krings-<span class=\"__11 _624\"> </span>risken bed\u00f6ms var<span class=\"__11 _617\"/>a obetydlig.<span class=\"__11 _624\"> </span>F\u00f6rs\u00e4kringsrisken ber<span class=\"__11 _617\"/>\u00e4knas vanligen som risksumman i procen<span class=\"__11 _617\"/>t av den r<span class=\"__11 _617\"/>eserv som t\u00e4cker a<span class=\"__11 _617\"/>vtalet vid a<span class=\"__11 _617\"/>vtalsperiodens b\u00f6rjan.<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vtalen kan delas in i f<span class=\"__11 _617\"/>\u00f6ljande klasser:<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span>F\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal: <span class=\"__11 _a2_3\"/>-<span class=\"__11 _a3_3\"> </span>T<span class=\"__11 _625\"/>raditionella livf\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal med eller utan diskretio-<span class=\"__11 _624\"> </span>n\u00e4r del <span class=\"__11 _a2_3\"/>-<span class=\"__11 _a3_3\"> </span>Fondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal med betydande f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsrisk <span class=\"__11 _a2_3\"/>-<span class=\"__11 _a3_3\"> </span>Sjuk- och ol<span class=\"__11 _617\"/>ycksf<span class=\"__11 _617\"/>allsf\u00f6rs\u00e4kringar<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">Finansiella avtal:</span> <span class=\"__11 _a2_3\"/>-<span class=\"__11 _a3_3\"> </span>Finansiella avtal med diskr<span class=\"__11 _617\"/>etion\u00e4r del <span class=\"__11 _a2_3\"/>-<span class=\"__11 _a3_3\"> </span>Finansiella avtal ut<span class=\"__11 _617\"/>an diskretion\u00e4r del.<span class=\"__11 _624\"> </span>Inf<span class=\"__11 _617\"/>ormation om in<span class=\"__11 _617\"/>t\u00e4ktsr<span class=\"__11 _617\"/>edovisning f<span class=\"__11 _617\"/>\u00f6r f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal \ufb01nns i not K2.4 \u201dSumma nettore<span class=\"__11 _617\"/>sultat a<span class=\"__11 _617\"/>v post<span class=\"__11 _617\"/>er till verkligt v\u00e4r<span class=\"__11 _617\"/>de\u201d<span class=\"__11 _625\"/>. Inf<span class=\"__11 _617\"/>ormation om in<span class=\"__11 _617\"/>f\u00f6r<span class=\"__11 _617\"/>andet a<span class=\"__11 _617\"/>v IFRS 17 \u201dF<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal\u201d \ufb01nns i not K10.6 \u201d\u00d6ver<span class=\"__11 _617\"/>g\u00e5ngen till IFRS 17 F<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal\u201d<span class=\"__11 _625\"/>. IFRS 17 g\u00e4ller f\u00f6r r<span class=\"__11 _617\"/>\u00e4kenskaps\u00e5r som b\u00f6rjar den 1 januari 2023 eller senare, som beskrivs i no<span class=\"__11 _617\"/>t K1 \u201dRedovisningsprinciper\u201d<span class=\"__11 _617\"/>.<span class=\"__11 _624\"> </span>F<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal Skulder till f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringstagare innef<span class=\"__11 _617\"/>attar \u00e5<span class=\"__11 _617\"/>taganden h\u00e4nf<span class=\"__11 _617\"/>\u00f6rliga till f\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal och \ufb01nansiella a<span class=\"__11 _617\"/>vtal med f\u00f6rs\u00e4kringstagar<span class=\"__11 _617\"/>e.<span class=\"__11 _624\"> </span>V<span class=\"__11 _617\"/>\u00e4rderingsprinciperna enligt na<span class=\"__11 _617\"/>tionell redovisningss<span class=\"__11 _617\"/>tan-<span class=\"__11 _624\"> </span>dard har bibeh\u00e5llits, vilket f<span class=\"__11 _617\"/>\u00f6ljaktligen r<span class=\"__11 _617\"/>esulter<span class=\"__11 _617\"/>ar i icke enhet-<span class=\"__11 _624\"> </span>liga redovisningsprinciper vid kons<span class=\"__11 _617\"/>olidering.<span class=\"__11 _624\"> </span>F\u00f6rs\u00e4kringst<span class=\"__11 _617\"/>ekniska a<span class=\"__11 _617\"/>vs\u00e4ttningar f<span class=\"__11 _617\"/>\u00f6r traditionell livf\u00f6rs\u00e4k<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>ring i Finland och Danmark v\u00e4rder<span class=\"__11 _617\"/>as genom ber\u00e4kning a<span class=\"__11 _617\"/>v nuv\u00e4rdet a<span class=\"__11 _617\"/>v de fr<span class=\"__11 _617\"/>amtida f<span class=\"__11 _617\"/>\u00f6rm\u00e5ner som f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringstagarna har r\u00e4tt till. Ber\u00e4kningen baser<span class=\"__11 _617\"/>as p\u00e5 ant<span class=\"__11 _617\"/>aganden om mark-<span class=\"__11 _624\"> </span>nadsm\u00e4ssiga diskont<span class=\"__11 _617\"/>eringsr\u00e4n<span class=\"__11 _617\"/>tor liksom om kos<span class=\"__11 _617\"/>tnader och livf\u00f6rs\u00e4kringsrisk. Diskonteringsr<span class=\"__11 _617\"/>\u00e4nt<span class=\"__11 _617\"/>an \u00e4r baserad p\u00e5 skulder-<span class=\"__11 _624\"> </span>nas aktuella l\u00f6p<span class=\"__11 _617\"/>tid.<span class=\"__11 _624\"> </span>I Norge ber\u00e4knas a<span class=\"__11 _617\"/>vs\u00e4ttningarna f<span class=\"__11 _617\"/>\u00f6r tr<span class=\"__11 _617\"/>aditionell livf\u00f6rs\u00e4k-<span class=\"__11 _624\"> </span>ring i huvudsak enligt en prospektiv met<span class=\"__11 _617\"/>od. Den diskon<span class=\"__11 _617\"/>te-<span class=\"__11 _624\"> </span>ringsr\u00e4n<span class=\"__11 _617\"/>ta som anv\u00e4nds mo<span class=\"__11 _617\"/>tsvar<span class=\"__11 _617\"/>ar den ursprungliga r\u00e4ntan juster<span class=\"__11 _617\"/>ad med h\u00e4nsyn till antaganden om kos<span class=\"__11 _617\"/>tnader och risk. I Sverige delas de k<span class=\"__11 _617\"/>ombinerade l\u00e5ngsik<span class=\"__11 _617\"/>tiga pensions- och f\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtalen in i enskilda kortsik<span class=\"__11 _617\"/>tiga f\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal och l\u00e5ngsiktiga \ufb01nansiella a<span class=\"__11 _617\"/>vtal med gar<span class=\"__11 _617\"/>antier och/<span class=\"__11 _617\"/>eller en diskretion\u00e4r del (se f<span class=\"__11 _617\"/>\u00f6ljande avsnitt).<span class=\"__11 _624\"> </span>Redovisningsprinciperna f<span class=\"__11 _617\"/>\u00f6r varje f<span class=\"__11 _617\"/>\u00f6ret<span class=\"__11 _617\"/>ag grundar sig p\u00e5 den lokala verksamhetens s<span class=\"__11 _617\"/>truktur och \u00e4r kopplade till s<span class=\"__11 _617\"/>ol-<span class=\"__11 _624\"> </span>vensreglerna och na<span class=\"__11 _617\"/>tionella best\u00e4mmelser a<span class=\"__11 _617\"/>vseende vins<span class=\"__11 _617\"/>tdel-<span class=\"__11 _624\"> </span>ning och andra kra<span class=\"__11 _617\"/>v a<span class=\"__11 _617\"/>vseende f<span class=\"__11 _617\"/>ond f<span class=\"__11 _617\"/>\u00f6r kollektivt utf<span class=\"__11 _617\"/>\u00f6rdelad bonus (of<span class=\"__11 _617\"/>\u00f6rdelade a<span class=\"__11 _617\"/>vs\u00e4ttningar som sky<span class=\"__11 _617\"/>ddar f\u00f6rs\u00e4kringstagarna).  Fondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal omf<span class=\"__11 _617\"/>attar f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringstekniska a<span class=\"__11 _625\"/>vs\u00e4tt-<span class=\"__11 _624\"> </span>ningar h\u00e4nf<span class=\"__11 _617\"/>\u00f6rliga till fondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringar som har teckna<span class=\"__11 _617\"/>ts antingen med eller utan ut<span class=\"__11 _617\"/>delningsgaran<span class=\"__11 _617\"/>ti. Fondf<span class=\"__11 _617\"/>\u00f6rs\u00e4krings-<span class=\"__11 _624\"> </span>avtal s<span class=\"__11 _617\"/>om klassi\ufb01ceras som f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal inneh\u00e5ller samma f\u00f6rs\u00e4kringsrela<span class=\"__11 _617\"/>terade risk<span class=\"__11 _617\"/>element som tr<span class=\"__11 _617\"/>aditionella<span class=\"__11 _624\"> </span>f\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal. Dessa a<span class=\"__11 _617\"/>vtal redovisas och v<span class=\"__11 _617\"/>\u00e4rderas huvud-<span class=\"__11 _624\"> </span>sakligen till verkligt v\u00e4r<span class=\"__11 _617\"/>de baserat p\u00e5: \u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">det verkliga v\u00e4r<span class=\"__11 _617\"/>det p\u00e5 tillg\u00e5ngar h\u00e4nf<span class=\"__11 _617\"/>\u00f6rliga till f<span class=\"__11 _617\"/>ond<span class=\"ws3_10\">-<span class=\"__11 _624\"> </span></span></span>f\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtalen, och<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">det ber\u00e4knade nuv\u00e4r<span class=\"__11 _617\"/>det av f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsrisken, som f<span class=\"__11 _617\"/>ramr\u00e4k<span class=\"__11 _617\"/><span class=\"ws3_10\">-<span class=\"__11 _624\"> </span></span></span>nas p\u00e5 samma s\u00e4tt som f<span class=\"__11 _617\"/>\u00f6r traditionella f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavt<span class=\"__11 _617\"/>al med beaktande a<span class=\"__11 _617\"/><span class=\"__11 _624\">v eff</span><span class=\"__11 _617\"/>ek<span class=\"__11 _617\"/>ten p\u00e5 varje riskelemen<span class=\"__11 _617\"/>t som ing\u00e5r i kassafl\u00f6det.<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vs\u00e4ttningar a<span class=\"__11 _625\"/>vseende sjuk- och olycksf<span class=\"__11 _617\"/>allsf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringar omf<span class=\"__11 _617\"/>attar premier<span class=\"__11 _617\"/>eserver och utes<span class=\"__11 _617\"/>t\u00e5ende ers\u00e4ttningskra<span class=\"__11 _617\"/>v<span class=\"__11 _625\"/>. Denna post redo<span class=\"__11 _617\"/>visas och v\u00e4rder<span class=\"__11 _617\"/>as p\u00e5 upplupen basis, enligt samma princip som f\u00f6r skade<span class=\"__11 _617\"/>f\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal. Finansiella avt<span class=\"__11 _617\"/>al<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vtal som klassi\ufb01c<span class=\"__11 _617\"/>eras som \ufb01nansiella a<span class=\"__11 _617\"/>vtal \u00e4r a<span class=\"__11 _617\"/>vtal med f<span class=\"__11 _617\"/>\u00f6r-<span class=\"__11 _624\"> </span>s\u00e4kringstagare som in<span class=\"__11 _617\"/>te medf<span class=\"__11 _617\"/>\u00f6r tillr\u00e4cklig f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsrisk f<span class=\"__11 _617\"/>\u00f6r att klassi\ufb01cer<span class=\"__11 _617\"/>as som f\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal och som inneh\u00e5ller en garan<span class=\"__11 _617\"/>ti eller en diskretion\u00e4r del.<span class=\"__11 _624\"> </span>Finansiella avtal med diskr<span class=\"__11 _617\"/>etion\u00e4r del redovisas, i enlighet med IFRS 4, som f\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal med till\u00e4mpning a<span class=\"__11 _617\"/>v natio-<span class=\"__11 _624\"> </span>nella redovisningsprinciper<span class=\"__11 _625\"/>. Finansiella avtal ut<span class=\"__11 _617\"/>an diskretion\u00e4r del redo<span class=\"__11 _617\"/>visas och v\u00e4rde-<span class=\"__11 _624\"> </span>ras till verkligt v<span class=\"__11 _617\"/>\u00e4rde i enlighet med IFRS 9 \u201dFinansiella instru-<span class=\"__11 _624\"> </span>ment: Redovisning och v<span class=\"__11 _617\"/>\u00e4rdering\u201d<span class=\"__11 _625\"/>, och motsvar<span class=\"__11 _617\"/>as a<span class=\"__11 _617\"/>v verkligt v\u00e4rde p\u00e5 tillg\u00e5ngarna h\u00e4n<span class=\"__11 _617\"/>f\u00f6rliga till de<span class=\"__11 _617\"/>ssa avt<span class=\"__11 _617\"/>al. Dessa till-<span class=\"__11 _624\"> </span>g\u00e5ngar klassi\ufb01ceras som tillh\u00f6r<span class=\"__11 _617\"/>ande kategorin \u201dF<span class=\"__11 _617\"/>r\u00e5n b\u00f6rjan v\u00e4rder<span class=\"__11 _617\"/>ade till verkligt v\u00e4r<span class=\"__11 _617\"/>de via resulta<span class=\"__11 _617\"/>tr\u00e4kningen\u201d f<span class=\"__11 _617\"/>\u00f6r att eli-<span class=\"__11 _624\"> </span>minera eller a<span class=\"__11 _617\"/>vsev\u00e4rt minska bris<span class=\"__11 _617\"/>tande \u00f6ver<span class=\"__11 _617\"/>ensst\u00e4mmelse i redovisningen. Detta beskrivs n\u00e4rmar<span class=\"__11 _617\"/>e i not K3.3 \u201dKlassi\ufb01ce-<span class=\"__11 _624\"> </span>ring och v\u00e4rdering\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>A<span class=\"__11 _625\"/>vtal med diskretion\u00e4r del (DPF)<span class=\"__11 _624\"> </span>Enligt vissa traditionella livf\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal och \ufb01nansiella avtal har f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringstagar<span class=\"__11 _617\"/>en r\u00e4tt till bety<span class=\"__11 _617\"/>dande f<span class=\"__11 _617\"/>\u00f6rm\u00e5ner ut\u00f6-<span class=\"__11 _624\"> </span>ver de garan<span class=\"__11 _617\"/>terade. Det \u00e4r Nor<span class=\"__11 _617\"/>dea som a<span class=\"__11 _617\"/>vg\u00f6r om dessa ytter-<span class=\"__11 _624\"> </span>ligare f<span class=\"__11 _617\"/>\u00f6rm\u00e5ner ska utbetalas som bonus. Dessa a<span class=\"__11 _617\"/>vtal med diskretion\u00e4r del, inklusive f<span class=\"__11 _617\"/>ond f\u00f6r k<span class=\"__11 _617\"/>ollektivt utf<span class=\"__11 _617\"/>\u00f6rdelad bonus, klassi\ufb01ceras som sk<span class=\"__11 _617\"/>ulder i balansr\u00e4kningen.<span class=\"__11 _624\"> </span>Fond f<span class=\"__11 _617\"/>\u00f6r kollek<span class=\"__11 _617\"/>tivt utf<span class=\"__11 _617\"/>\u00f6rdelad bonus omf<span class=\"__11 _617\"/>att<span class=\"__11 _617\"/>ar belopp som allokera<span class=\"__11 _617\"/>ts till men inte go<span class=\"__11 _617\"/>ttskrivits f\u00f6rs\u00e4krings<span class=\"__11 _617\"/>tagaren. I Fin-<span class=\"__11 _624\"> </span>land omf<span class=\"__11 _617\"/>attar f<span class=\"__11 _617\"/>onden f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringstagarens andel a<span class=\"__11 _617\"/>v sam<span class=\"__11 _617\"/>tliga orealiserade vins<span class=\"__11 _617\"/>ter p\u00e5 placerings<span class=\"__11 _617\"/>tillg\u00e5ngar och \u00e5terb\u00e4rings-<span class=\"__11 _624\"> </span>medel p\u00e5 betalda f\u00f6rs\u00e4kringar och fr<span class=\"__11 _617\"/>amtida pr<span class=\"__11 _617\"/>emier (skillna-<span class=\"__11 _624\"> </span>den mellan retroak<span class=\"__11 _617\"/>tiva och marknadsm\u00e4ssiga prospek<span class=\"__11 _617\"/>tiv<span class=\"__11 _617\"/>a v\u00e4rderingsprinciper f<span class=\"__11 _617\"/>\u00f6r f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal). I Nor<span class=\"__11 _617\"/>ge omf<span class=\"__11 _617\"/>attar den f\u00f6rs\u00e4kringstagar<span class=\"__11 _617\"/>ens andel a<span class=\"__11 _617\"/>v b\u00e5de samtliga orealis<span class=\"__11 _617\"/>erade vinster p\u00e5 placerings<span class=\"__11 _617\"/>tillg\u00e5ngar och ytterligare lags<span class=\"__11 _617\"/>tadgade reserver<span class=\"__11 _625\"/>. I Sverige \u00e4r huvudprincipen f\u00f6r v<span class=\"__11 _617\"/>\u00e4rdering verkligt v\u00e4rde (f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavt<span class=\"__11 _617\"/>al). F\u00f6rs\u00e4kringst<span class=\"__11 _617\"/>agarens andel a<span class=\"__11 _617\"/>v b\u00e5de realiserade och or<span class=\"__11 _617\"/>ealiserade vins<span class=\"__11 _617\"/>ter upptas d\u00e4rf<span class=\"__11 _617\"/>\u00f6r i balans-<span class=\"__11 _624\"> </span>r\u00e4kningen som an<span class=\"__11 _617\"/>tingen \u201dF\u00f6r<span class=\"__11 _617\"/>\u00e4ndring a<span class=\"__11 _617\"/>v f\u00f6rs\u00e4kringst<span class=\"__11 _617\"/>ekniska avs\u00e4<span class=\"__11 _617\"/>ttningar<span class=\"__11 _625\"/>, liv<span class=\"__11 _626\"/>f\u00f6rs\u00e4kring\u201d och/<span class=\"__11 _617\"/>eller \u201dF<span class=\"__11 _617\"/>\u00f6r\u00e4ndring a<span class=\"__11 _617\"/>v \u00e5t<span class=\"__11 _617\"/>erb\u00e4-<span class=\"__11 _624\"> </span>ringsmedel, livf\u00f6rs\u00e4kring\u201d som redovisas i not K2.4 \u201d<span class=\"__11 _617\"/>S<span class=\"__11 _617\"/>um<span class=\"__11 _617\"/>m<span class=\"__11 _617\"/>a nettoresult<span class=\"__11 _617\"/>at a<span class=\"__11 _617\"/>v poster till v<span class=\"__11 _617\"/>erkligt v\u00e4rde\u201d<span class=\"__11 _625\"/>, b<span class=\"__11 _626\"/>e<span class=\"__11 _626\"/>ro<span class=\"__11 _626\"/>en<span class=\"__11 _626\"/>d<span class=\"__11 _626\"/>e <span class=\"__11 _626\"/>p<span class=\"__11 _626\"/>\u00e5 <span class=\"__11 _626\"/>o<span class=\"__11 _626\"/>m <span class=\"__11 _626\"/>p<span class=\"__11 _626\"/>la<span class=\"__11 _626\"/><span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ceringsresult<span class=\"__11 _617\"/>atet alloker<span class=\"__11 _617\"/>as eller int<span class=\"__11 _617\"/>e. B\u00e5da dessa ing\u00e5r i balansposten \u201dSkul<span class=\"__11 _617\"/>der till f\u00f6rs\u00e4kringstagar<span class=\"__11 _617\"/>e\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Pr\u00f6vning a<span class=\"__11 _617\"/>v f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsskuld<span class=\"__11 _624\"> </span>Vid varje rapporteringsda<span class=\"__11 _617\"/>tum g\u00f6rs en pr\u00f6vning f<span class=\"__11 _617\"/>\u00f6r att s\u00e4ker-<span class=\"__11 _624\"> </span>st\u00e4lla att f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vs\u00e4ttningarna \u00e4r tillr\u00e4ckliga. Vid pr<span class=\"__11 _617\"/>\u00f6v-<span class=\"__11 _624\"> </span>ningen s\u00e4kerst\u00e4lls att sk<span class=\"__11 _617\"/>uldernas redovisade v<span class=\"__11 _617\"/>\u00e4rde \u00e4r h\u00f6gre \u00e4n den b\u00e4sta uppskattningen a<span class=\"__11 _625\"/>v framtida kassafl\u00f6de disk<span class=\"__11 _617\"/>on-<span class=\"__11 _624\"> </span>tera<span class=\"__11 _617\"/>t med aktuell r<span class=\"__11 _617\"/>\u00e4nta. Vid beho<span class=\"__11 _617\"/>v g\u00f6rs ytterligare a<span class=\"__11 _617\"/>vs\u00e4ttning-<span class=\"__11 _624\"> </span>ar som redovisas i r<span class=\"__11 _617\"/>esultatr<span class=\"__11 _617\"/>\u00e4kningen<span class=\"__11 _624\"> </span>.<span class=\"__11 _624\"> </span>151<span class=\"__11 _624\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__11 _624\"> </span>Inledning<span class=\"__11 _616\"> </span><span class=\"__11 _624\">Aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5den<span class=\"__11 _618\"/><span class=\"ws3_10\">V<span class=\"__11 _617\"/>\u00e5ra in<span class=\"__11 _617\"/>tressent<span class=\"__11 _617\"/>er<span class=\"__11 _619\"> </span><span class=\"ff1_11\">Finansiella rapporter<span class=\"__11 _620\"/><span class=\"ff2_11 ws2_10\">F\u00f6rvaltningsber<span class=\"__11 _617\"/>\u00e4ttelse<span class=\"__11 _621\"> </span>H\u00e5llbarhetsnoter<span class=\"__11 _622\"> </span>\u00d6vrigt<span class=\"__11 _623\"/><span class=\"ws3_10\">Strategisk r<span class=\"__11 _617\"/>apport<span class=\"__11 _624\"> </span></span></span></span></span>31 dec 2022, mn euro<span class=\"__11 _624\"> </span>F\u00f6rs\u00e4krings-<span class=\"__11 _624\"> </span>tekniska avs\u00e4<span class=\"__11 _617\"/>ttningar<span class=\"__11 _617\"/>, traditionell livf\u00f6rs\u00e4kring<span class=\"__11 _624\"> </span>Fond f<span class=\"__11 _617\"/>\u00f6r kollektivt utf\u00f6rdelad bonus<span class=\"__11 _624\"> </span>F\u00f6rs\u00e4krings-<span class=\"__11 _624\"> </span>tekniska avs\u00e4<span class=\"__11 _617\"/>ttningar<span class=\"__11 _617\"/>, fond-<span class=\"__11 _624\"> </span>f\u00f6rs\u00e4kring<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vs\u00e4ttningar f\u00f6r ers\u00e4ttnings-<span class=\"__11 _624\"> </span>kr<span class=\"__11 _626\"/>av<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vs\u00e4ttningar f<span class=\"__11 _617\"/>\u00f6r sjuk- och olycksf<span class=\"__11 _617\"/>alls-<span class=\"__11 _624\"> </span>f\u00f6rs\u00e4kring<span class=\"__11 _624\"> </span>Finansiella avtal<span class=\"__11 _697\"> </span>Summa<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vs\u00e4ttningar<span class=\"__11 _625\"/>/utf\u00f6rdelad bonus vid \u00e5rets b\u00f6rjan<span class=\"__11 _a4_3\"> </span>6 299<span class=\"__11 _8a_3\"> </span>2 800<span class=\"__11 _702\"> </span>7 711<span class=\"__11 _a5_4\"> </span>535<span class=\"__11 _a6_4\"> </span>93<span class=\"__11 _692\"> </span>2 157<span class=\"__11 _7c_3\"> </span>19 595<span class=\"__11 _624\"> </span>F\u00f6rv\u00e4rv<span class=\"__11 _624\"> </span>1<span class=\"__11 _624\"> </span>2 408<span class=\"__11 _a7_4\"> </span>204<span class=\"__11 _6c_3\"> </span>7 919<span class=\"__11 _a5_4\"> </span>385<span class=\"__11 _a8_4\"> </span><span class=\"ls0_11 ws0_11\">114<span class=\"__11 _629\"> </span></span>\u2013<span class=\"__11 _a9_4\"> </span>11 030<span class=\"__11 _624\"> </span>Bruttopremieinkomst<span class=\"__11 _aa_3\"> </span>49<span class=\"__11 _629\"> </span>\u2013<span class=\"__11 _a7_4\"> </span>283<span class=\"__11 _629\"> </span>\u2013<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _1a_7\"> </span><span class=\"ls9_10 wse_10\">52<span class=\"__11 _5d_3\"> </span></span>384<span class=\"__11 _624\"> </span>\u00d6verf\u00f6ringar<span class=\"__11 _ac_3\"> </span><span class=\"ls0_11 ws0_11\">51<span class=\"__11 _629\"> </span></span>\u2013<span class=\"__11 _709\"> </span>-53<span class=\"__11 _629\"> </span>\u2013<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _629\"> </span>\u2013<span class=\"__11 _712\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _624\"> </span></span>Till\u00e4gg f\u00f6r r\u00e4n<span class=\"__11 _617\"/>ta/kapitala<span class=\"__11 _617\"/>vkastning<span class=\"__11 _ad_3\"> </span><span class=\"lsc_10 ws13_10\">1<span class=\"__11 _626\"/>74<span class=\"__11 _1b_7\"> </span></span>\u2013<span class=\"__11 _656\"> </span>-1 344<span class=\"__11 _629\"> </span>\u2013<span class=\"__11 _6f_3\"> </span>\u2013<span class=\"__11 _641\"> </span>-350<span class=\"__11 _669\"> </span>-<span class=\"__11 _617\"/>1 520<span class=\"__11 _624\"> </span>F\u00f6rs\u00e4kringsers\u00e4ttningar<span class=\"__11 _ae_4\"> </span><span class=\"ls6_10 ws8_10\">-25<span class=\"__11 _626\"/>0<span class=\"__11 _629\"> </span></span>\u2013<span class=\"__11 _af_4\"> </span>-598<span class=\"__11 _709\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _626\"/>9<span class=\"__11 _b0_3\"> </span></span>7<span class=\"__11 _627\"> </span>-167<span class=\"__11 _669\"> </span>-1 037<span class=\"__11 _624\"> </span>Int\u00e4k<span class=\"__11 _617\"/>tsf\u00f6r<span class=\"__11 _617\"/>d ers\u00e4ttning, inklusive till\u00e4gg f<span class=\"__11 _617\"/>\u00f6r bonus<span class=\"__11 _696\"> </span><span class=\"ls6_10 ws8_10\">-22<span class=\"__11 _629\"> </span></span>\u2013<span class=\"__11 _686\"> </span>-37<span class=\"__11 _629\"> </span>\u2013<span class=\"__11 _6f_3\"> </span>\u2013<span class=\"__11 _b1_3\"> </span><span class=\"ls0_11 ws0_11\">-17<span class=\"__11 _703\"> </span><span class=\"lsd_9 ws14_10\">-7<span class=\"__11 _626\"/>6<span class=\"__11 _624\"> </span></span></span>F\u00f6r\u00e4ndring f<span class=\"__11 _617\"/>\u00f6r a<span class=\"__11 _617\"/>vs\u00e4ttning/kollek<span class=\"__11 _617\"/>tivt utf\u00f6r<span class=\"__11 _617\"/>delad bonus<span class=\"__11 _b2_4\"> </span>477<span class=\"__11 _641\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _626\"/>54<span class=\"__11 _627\"> </span>-2<span class=\"__11 _626\"/>23<span class=\"__11 _1b_7\"> </span></span>\u2013<span class=\"__11 _6f_3\"> </span>\u2013<span class=\"__11 _629\"> </span>0<span class=\"__11 _b3_3\"> </span>0<span class=\"__11 _624\"> </span>\u00d6vrigt<span class=\"__11 _b4_3\"> </span>-875<span class=\"__11 _629\"> </span>\u2013<span class=\"__11 _b5_4\"> </span>486<span class=\"__11 _629\"> </span>\u2013<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _645\"> </span><span class=\"ls0_11 ws0_11\">170<span class=\"__11 _4f_3\"> </span></span>-219<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Omr\u00e4kningsdiff</span><span class=\"__11 _617\"/>erenser<span class=\"__11 _660\"> </span><span class=\"ls6_10 ws8_10\">-223<span class=\"__11 _661\"> </span><span class=\"ls0_11 ws0_11\">-147<span class=\"__11 _b6_4\"> </span>-19<span class=\"__11 _b7_4\"> </span></span></span>-3<span class=\"__11 _b8_3\"> </span><span class=\"ls7_10 ws9_10\">-4<span class=\"__11 _661\"> </span></span>-161<span class=\"__11 _5e_3\"> </span>-557<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vs\u00e4ttningar<span class=\"__11 _625\"/>/utf\u00f6rdelad bonus vid \u00e5rets slut<span class=\"__11 _696\"> </span>8 088<span class=\"__11 _684\"> </span>2 603<span class=\"__11 _2f_5\"> </span>14 125<span class=\"__11 _661\"> </span>888<span class=\"__11 _b9_4\"> </span>210<span class=\"__11 _684\"> </span>1 684<span class=\"__11 _ba_4\"> </span>27 598<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vs\u00e4ttningar h\u00e4n<span class=\"__11 _617\"/>f\u00f6rliga till bonussyst<span class=\"__11 _617\"/>em/<span class=\"__11 _617\"/>a<span class=\"__11 _617\"/>vtal med diskretion\u00e4r del:<span class=\"__11 _707\"> </span><span class=\"lse_9 ws15_10\">97 %<span class=\"__11 _bb_4\"> </span></span>100 %<span class=\"__11 _624\"> </span>1)  F\u00f6r ytterligare in<span class=\"__11 _617\"/>formation, se no<span class=\"__11 _617\"/>t K9.6 \u201dF\u00f6rv\u00e4rv\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>31 dec 2021, mn euro<span class=\"__11 _624\"> </span>F\u00f6rs\u00e4krings-<span class=\"__11 _624\"> </span>tekniska avs\u00e4<span class=\"__11 _617\"/>ttningar<span class=\"__11 _617\"/>, traditionell livf\u00f6rs\u00e4kring<span class=\"__11 _624\"> </span>Fond f<span class=\"__11 _617\"/>\u00f6r kollektivt utf\u00f6rdelad bonus<span class=\"__11 _624\"> </span>F\u00f6rs\u00e4krings-<span class=\"__11 _624\"> </span>tekniska avs\u00e4<span class=\"__11 _617\"/>ttningar<span class=\"__11 _617\"/>, fond-<span class=\"__11 _624\"> </span>f\u00f6rs\u00e4kring<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vs\u00e4ttningar f\u00f6r ers\u00e4ttnings-<span class=\"__11 _624\"> </span>kr<span class=\"__11 _626\"/>av<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vs\u00e4ttningar f<span class=\"__11 _617\"/>\u00f6r sjuk- och olycksf<span class=\"__11 _617\"/>alls-<span class=\"__11 _624\"> </span>f\u00f6rs\u00e4kring<span class=\"__11 _624\"> </span>Finansiella avtal<span class=\"__11 _697\"> </span>Summa<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vs\u00e4ttningar<span class=\"__11 _625\"/>/utf\u00f6rdelad bonus vid \u00e5rets b\u00f6rjan<span class=\"__11 _bc_3\"> </span>6 167<span class=\"__11 _6a_3\"> </span>2 001<span class=\"__11 _6a_3\"> </span>7 070<span class=\"__11 _b5_4\"> </span>468<span class=\"__11 _696\"> </span>86<span class=\"__11 _684\"> </span>2 386<span class=\"__11 _a9_4\"> </span>18 178<span class=\"__11 _624\"> </span>Bruttopremieinkomst<span class=\"__11 _bd_4\"> </span>61<span class=\"__11 _629\"> </span>\u2013<span class=\"__11 _a7_4\"> </span>383<span class=\"__11 _629\"> </span>\u2013<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _e_10\"> </span>58<span class=\"__11 _7f_4\"> </span>502<span class=\"__11 _624\"> </span>\u00d6verf\u00f6ringar<span class=\"__11 _9e_3\"> </span>49<span class=\"__11 _629\"> </span>\u2013<span class=\"__11 _710\"> </span>-52<span class=\"__11 _629\"> </span>\u2013<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _629\"> </span>\u2013<span class=\"__11 _712\"> </span>-3<span class=\"__11 _624\"> </span>Till\u00e4gg f\u00f6r r\u00e4n<span class=\"__11 _617\"/>ta/kapitala<span class=\"__11 _617\"/>vkastning<span class=\"__11 _be_4\"> </span>195<span class=\"__11 _629\"> </span>\u2013<span class=\"__11 _6c_3\"> </span>1 007<span class=\"__11 _629\"> </span>\u2013<span class=\"__11 _6f_3\"> </span>\u2013<span class=\"__11 _645\"> </span>391<span class=\"__11 _682\"> </span>1 593<span class=\"__11 _624\"> </span>F\u00f6rs\u00e4kringsers\u00e4ttningar<span class=\"__11 _bf_4\"> </span><span class=\"ls6_10 ws8_10\">-23<span class=\"__11 _626\"/>5<span class=\"__11 _629\"> </span></span>\u2013<span class=\"__11 _659\"> </span>-469<span class=\"__11 _e_10\"> </span><span class=\"lsf_9 ws16_10\">64<span class=\"__11 _ab_3\"> </span></span>4<span class=\"__11 _694\"> </span>-202<span class=\"__11 _668\"> </span>-838<span class=\"__11 _624\"> </span>Int\u00e4k<span class=\"__11 _617\"/>tsf\u00f6r<span class=\"__11 _617\"/>d ers\u00e4ttning, inklusive till\u00e4gg f<span class=\"__11 _617\"/>\u00f6r bonus<span class=\"__11 _c0_4\"> </span><span class=\"ls6_10 ws8_10\">-23<span class=\"__11 _1b_7\"> </span></span>\u2013<span class=\"__11 _a5_4\"> </span>-40<span class=\"__11 _629\"> </span>\u2013<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _709\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _626\"/>0<span class=\"__11 _674\"> </span></span>-83<span class=\"__11 _624\"> </span>F\u00f6r\u00e4ndring f<span class=\"__11 _617\"/>\u00f6r a<span class=\"__11 _617\"/>vs\u00e4ttning/kollek<span class=\"__11 _617\"/>tivt utf\u00f6r<span class=\"__11 _617\"/>delad bonus<span class=\"__11 _c1_3\"> </span>-580<span class=\"__11 _b5_4\"> </span>806<span class=\"__11 _694\"> </span>-226<span class=\"__11 _c2_4\"> </span>\u2013<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _629\"> </span>0<span class=\"__11 _b3_3\"> </span>0<span class=\"__11 _624\"> </span>\u00d6vrigt<span class=\"__11 _c3_3\"> </span>463<span class=\"__11 _c2_4\"> </span>\u2013<span class=\"__11 _b7_4\"> </span><span class=\"ls0_11 ws0_11\">17<span class=\"__11 _629\"> </span></span>\u2013<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _af_4\"> </span>-393<span class=\"__11 _3b_5\"> </span>87<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Omr\u00e4kningsdiff</span><span class=\"__11 _617\"/>erenser<span class=\"__11 _c4_3\"> </span>202<span class=\"__11 _c5_4\"> </span><span class=\"lsd_9 ws14_10\">-7<span class=\"__11 _b7_4\"> </span></span>21<span class=\"__11 _1b_7\"> </span>3<span class=\"__11 _639\"> </span>3<span class=\"__11 _645\"> </span>-63<span class=\"__11 _8b_3\"> </span>159<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vs\u00e4ttningar<span class=\"__11 _625\"/>/utf\u00f6rdelad bonus vid \u00e5rets slut<span class=\"__11 _a6_4\"> </span>6 299<span class=\"__11 _8a_3\"> </span>2 800<span class=\"__11 _702\"> </span>7 711<span class=\"__11 _a5_4\"> </span>535<span class=\"__11 _a6_4\"> </span>93<span class=\"__11 _692\"> </span>2 157<span class=\"__11 _ba_4\"> </span>19 595<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vs\u00e4ttningar h\u00e4n<span class=\"__11 _617\"/>f\u00f6rliga till bonussyst<span class=\"__11 _617\"/>em/<span class=\"__11 _617\"/>a<span class=\"__11 _617\"/>vtal med diskretion\u00e4r del:<span class=\"__11 _c6_3\"> </span>99 %<span class=\"__11 _bb_4\"> </span>100 %<span class=\"__11 _624\"> </span>K4  F\u00f6rs\u00e4kringsav<span class=\"__11 _626\"/>tal, forts.<span class=\"__11 _624\"> </span>Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__11 _617\"/>ttningar<span class=\"__11 _624\"> </span> Vid v\u00e4rderingen a<span class=\"__11 _617\"/>v f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsskulder anv<span class=\"__11 _617\"/>\u00e4nds b\u00e5de \ufb01nan-<span class=\"__11 _624\"> </span>siella och aktuariella uppska<span class=\"__11 _617\"/>ttningar och antaganden. Ett vik<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>tigt \ufb01nansiellt ant<span class=\"__11 _617\"/>agande \u00e4r den r\u00e4n<span class=\"__11 _617\"/>ta som anv\u00e4nds f<span class=\"__11 _617\"/>\u00f6r a<span class=\"__11 _617\"/>tt<span class=\"__11 _624\"> </span> diskont<span class=\"__11 _617\"/>era fr<span class=\"__11 _617\"/>amtida kassa<span class=\"__11 _617\"/>fl\u00f6den. Viktiga ak<span class=\"__11 _617\"/>tuariella an<span class=\"__11 _617\"/>tagan-<span class=\"__11 _624\"> </span>den \u00e4r de om d\u00f6dlighet och invaliditet, som p\u00e5<span class=\"__11 _617\"/>verkar s<span class=\"__11 _617\"/>torle-<span class=\"__11 _624\"> </span>ken p\u00e5 och tidpunkt<span class=\"__11 _617\"/>en f\u00f6r de f<span class=\"__11 _617\"/>ram<span class=\"__11 _617\"/>tida kassafl\u00f6dena. De<span class=\"__11 _624\"> </span> \ufb01nansiella och aktuariella an<span class=\"__11 _617\"/>tagandena \u00e4r till stor del f<span class=\"__11 _617\"/>\u00f6r<span class=\"__11 _617\"/>e-<span class=\"__11 _624\"> </span>skrivna i l\u00e4ndernas lagstiftning och kan in<span class=\"__11 _617\"/>te p\u00e5<span class=\"__11 _617\"/>verkas a<span class=\"__11 _617\"/>v<span class=\"__11 _624\"> </span> Nordea. \u00c4<span class=\"__11 _625\"/>ven antaganden om f<span class=\"__11 _617\"/>ram<span class=\"__11 _617\"/>tida f\u00f6rval<span class=\"__11 _617\"/>tnings- och<span class=\"__11 _624\"> </span> skattekos<span class=\"__11 _617\"/>tnader p\u00e5<span class=\"__11 _617\"/>verkar ber\u00e4kningen a<span class=\"__11 _625\"/>v skulder till<span class=\"__11 _624\"> </span> f\u00f6rs\u00e4kringstagar<span class=\"__11 _617\"/>e.<span class=\"__11 _624\"> </span>F\u00f6rs\u00e4kringsskulderna uppgick vid \u00e5r<span class=\"__11 _617\"/><span class=\"__11 _624\">ets slut till 25 914 mn<span class=\"__11 _624\"> </span></span> euro (17 438 mn euro<span class=\"__11 _617\"/>). Inf<span class=\"__11 _617\"/>ormation om det redo<span class=\"__11 _617\"/>visade v\u00e4r-<span class=\"__11 _624\"> </span>dets k\u00e4nslighet f\u00f6r olika an<span class=\"__11 _617\"/>taganden \u00e5<span class=\"__11 _617\"/>ter\ufb01nns nedan.<span class=\"__11 _624\"> </span>F\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _8c_3\"> </span>31 dec 2022<span class=\"__11 _8d_3\"> </span>31 dec 2021<span class=\"__11 _624\"> </span>F\u00f6rs\u00e4kringsteknisk<span class=\"__11 _617\"/>a avs\u00e4ttningar<span class=\"__11 _625\"/>, traditionell livf\u00f6rs\u00e4kring<span class=\"__11 _c7_3\"> </span>8 088<span class=\"__11 _6d_3\"> </span>6 299 - vara<span class=\"__11 _617\"/>v garan<span class=\"__11 _617\"/>terade a<span class=\"__11 _617\"/>vs\u00e4ttningar<span class=\"__11 _c8_4\"> </span>7 908<span class=\"__11 _646\"> </span>6 194 - vara<span class=\"__11 _617\"/>v icke garan<span class=\"__11 _617\"/>terade a<span class=\"__11 _617\"/>vs\u00e4ttningar<span class=\"__11 _c9_4\"> </span>180<span class=\"__11 _6c_3\"> </span>105<span class=\"__11 _624\"> </span>Fond f<span class=\"__11 _617\"/>\u00f6r kollek<span class=\"__11 _617\"/>tivt utf\u00f6rdelad bonus<span class=\"__11 _c9_4\"> </span>2 603<span class=\"__11 _7e_3\"> </span>2 800<span class=\"__11 _624\"> </span>F\u00f6rs\u00e4kringsteknisk<span class=\"__11 _617\"/>a avs\u00e4ttningar<span class=\"__11 _625\"/>, fondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kring<span class=\"__11 _660\"> </span>14 125<span class=\"__11 _c_10\"> </span>7 711 - vara<span class=\"__11 _617\"/>v garan<span class=\"__11 _617\"/>terade a<span class=\"__11 _617\"/>vs\u00e4ttningar<span class=\"__11 _677\"> </span>\u2013 <span class=\"__11 _a7_4\"> </span>\u2013 - vara<span class=\"__11 _617\"/>v icke garan<span class=\"__11 _617\"/>terade a<span class=\"__11 _617\"/>vs\u00e4ttningar<span class=\"__11 _6f_3\"> </span>14 125<span class=\"__11 _c_10\"> </span>7 711<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vs\u00e4ttningar f<span class=\"__11 _617\"/>\u00f6r ers\u00e4ttningskra<span class=\"__11 _617\"/>v<span class=\"__11 _ca_3\"> </span>888<span class=\"__11 _6a_3\"> </span>535<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vs\u00e4ttningar f<span class=\"__11 _617\"/>\u00f6r sjuk- och ol<span class=\"__11 _617\"/>ycksf<span class=\"__11 _617\"/>allsf\u00f6rs\u00e4kring<span class=\"__11 _634\"> </span>210<span class=\"__11 _694\"> </span>93<span class=\"__11 _624\"> </span>Summa f\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal<span class=\"__11 _cb_3\"> </span>25 914<span class=\"__11 _5f_3\"> </span>17 438<span class=\"__11 _624\"> </span>Finansiella avtal med diskr<span class=\"__11 _617\"/>etion\u00e4r del<span class=\"__11 _cc_4\"> </span>1 684<span class=\"__11 _712\"> </span>2 157 - vara<span class=\"__11 _617\"/>v garan<span class=\"__11 _617\"/>terade a<span class=\"__11 _617\"/>vs\u00e4ttningar<span class=\"__11 _cd_3\"> </span>1 684<span class=\"__11 _712\"> </span>2 157 - vara<span class=\"__11 _617\"/>v icke garan<span class=\"__11 _617\"/>terade a<span class=\"__11 _617\"/>vs\u00e4ttningar<span class=\"__11 _ce_4\"> </span>\u2013<span class=\"__11 _709\"> </span>\u2013<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _cf_3\"> </span>27 598<span class=\"__11 _5f_3\"> </span>19 595<span class=\"__11 _624\"> </span><div class=\"t_11 m0_11 h1_11 ff1_11 fs0_11 fc0_11 sc0_11 ls1_11 ws3_10\" style=\"left:0.013025284px; bottom:2.1012287px;\">152<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h2_11 ff2_11 fs1_10 fc0_11 sc0_11 ls1_11 ws1_11\" style=\"left:44.466393px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h3_10 ff2_11 fs1_10 fc0_11 sc0_11 ls2_10 ws2_10\" style=\"left:48.667603px; bottom:1029.1447px;\">Inledning<span class=\"__11 _616\"> </span><span class=\"__11 _624\">Aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5den<span class=\"__11 _618\"/><span class=\"ws3_10\">V<span class=\"__11 _617\"/>\u00e5ra in<span class=\"__11 _617\"/>tressent<span class=\"__11 _617\"/>er<span class=\"__11 _619\"> </span><span class=\"ff1_11\">Finansiella rapporter<span class=\"__11 _620\"/><span class=\"ff2_11 ws2_10\">F\u00f6rvaltningsber<span class=\"__11 _617\"/>\u00e4ttelse<span class=\"__11 _621\"> </span>H\u00e5llbarhetsnoter<span class=\"__11 _622\"> </span>\u00d6vrigt<span class=\"__11 _623\"/><span class=\"ws3_10\">Strategisk r<span class=\"__11 _617\"/>apport<span class=\"__11 _624\"> </span></span></span></span></span></div><div class=\"t_11 m0_11 h7_10 ff3_10 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:986.27924px;\">K4  F\u00f6rs\u00e4kringsav<span class=\"__11 _626\"/>tal, forts.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h8_10 ff1_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:604.5207px;\">Skulder till f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringstagare uppdelat p\u00e5 gar<span class=\"__11 _617\"/>antiniv<span class=\"__11 _617\"/>\u00e5er (f\u00f6rs\u00e4kringst<span class=\"__11 _617\"/>eknisk r\u00e4n<span class=\"__11 _617\"/>ta)<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:578.23663px;\">31 dec 2022, mn euro<span class=\"__11 _d0_3\"> </span>Inga<span class=\"__11 _c2_4\"> </span>0 %<span class=\"__11 _a7_4\"> </span>0\u20132 %<span class=\"__11 _a7_4\"> </span>2\u20133 %<span class=\"__11 _624\"> </span></div><div class=\"t_11 m2_5 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:509.72052px; bottom:578.23663px;\">3\u20134 %<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:566.3279px; bottom:578.23663px;\">\u00f6ver 4 %<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:636.4811px; bottom:587.98663px;\">Summa </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:636.4811px; bottom:578.23663px;\">skulder<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:561.09357px;\">F\u00f6rs\u00e4kringsteknisk<span class=\"__11 _617\"/>a avs\u00e4ttningar<span class=\"__11 _1f_7\"> </span>14 305<span class=\"__11 _631\"> </span>323<span class=\"__11 _a5_4\"> </span><span class=\"ls0_11 ws0_11\">3 764<span class=\"__11 _a7_4\"> </span></span>2 500<span class=\"__11 _a5_4\"> </span>2 055<span class=\"__11 _c5_4\"> </span>950<span class=\"__11 _634\"> </span>23 897<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:515.08435px;\">31 dec 2021, mn euro<span class=\"__11 _d1_3\"> </span>Inga<span class=\"__11 _c2_4\"> </span>0 %<span class=\"__11 _a7_4\"> </span>0\u20132 %<span class=\"__11 _a7_4\"> </span>2\u20133 %<span class=\"__11 _624\"> </span></div><div class=\"t_11 m2_5 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:509.72052px; bottom:515.08435px;\">3\u20134 %<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:566.3279px; bottom:515.08435px;\">\u00f6ver 4 %<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:636.4811px; bottom:524.83435px;\">Summa </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:636.4811px; bottom:515.08435px;\">skulder<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:497.94122px;\">F\u00f6rs\u00e4kringsteknisk<span class=\"__11 _617\"/>a avs\u00e4ttningar<span class=\"__11 _a6_4\"> </span>7 815<span class=\"__11 _b7_4\"> </span>346<span class=\"__11 _a5_4\"> </span>2 836<span class=\"__11 _709\"> </span>2 241<span class=\"__11 _a7_4\"> </span>2 005<span class=\"__11 _c5_4\"> </span><span class=\"ls6_10 ws8_10\">9<span class=\"__11 _626\"/>24<span class=\"__11 _694\"> </span></span>16 167<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h8_10 ff1_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:442.59583px;\">Riskpro\ufb01ler p\u00e5 f<span class=\"__11 _617\"/>\u00f6rs\u00e4kring<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:426.06177px;\">Produkt<span class=\"__11 _9c_4\"> </span>Risktyper<span class=\"__11 _639\"> </span><span class=\"__11 _624\">V\u00e4sentlig eff</span><span class=\"__11 _617\"/>ekt<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:408.91867px;\">T<span class=\"__11 _625\"/>raditionell<span class=\"__11 _d2_3\"> </span>Mortalitet<span class=\"__11 _a6_4\"> </span>Ja<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:187.81804px; bottom:391.7743px;\">Invaliditet<span class=\"__11 _696\"> </span>Ja<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:187.81804px; bottom:374.62988px;\">A<span class=\"__11 _617\"/>vkastningsgar<span class=\"__11 _617\"/>antier<span class=\"__11 _a9_4\"> </span>Ja<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:357.48547px;\">Fondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kring<span class=\"__11 _d3_3\"> </span>Mortalitet<span class=\"__11 _a6_4\"> </span>Ja<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:187.81804px; bottom:340.34106px;\">Invaliditet<span class=\"__11 _696\"> </span>Ja<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:187.81804px; bottom:323.1967px;\">A<span class=\"__11 _617\"/>vkastningsgar<span class=\"__11 _617\"/>antier<span class=\"__11 _a9_4\"> </span>Nej<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:306.05228px;\">Sjuk- och ol<span class=\"__11 _617\"/>ycksfallsf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringar<span class=\"__11 _d4_4\"> </span>Mortalitet<span class=\"__11 _a6_4\"> </span>Nej<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:187.81804px; bottom:288.90787px;\">Invaliditet<span class=\"__11 _696\"> </span>Ja<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:187.81804px; bottom:271.7635px;\">A<span class=\"__11 _617\"/>vkastningsgar<span class=\"__11 _617\"/>antier<span class=\"__11 _a9_4\"> </span>Nej<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:254.61908px;\">Finansiella avtal<span class=\"__11 _d5_3\"> </span>Mortalitet<span class=\"__11 _a6_4\"> </span>Nej<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:187.81804px; bottom:237.47467px;\">Invaliditet<span class=\"__11 _696\"> </span>Nej<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:187.81804px; bottom:218.85608px;\">A<span class=\"__11 _617\"/>vkastningsgar<span class=\"__11 _617\"/>antier<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:288.16504px; bottom:220.33028px;\">Ja<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h5_10 ff1_11 fs3_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:951.164px;\">F<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsrisker<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:937.63495px;\">F\u00f6rs\u00e4kringsrisker beskrivs i a<span class=\"__11 _617\"/>vsnitt 7 i no<span class=\"__11 _617\"/>t K11 \u201dRisk- och likvidit<span class=\"__11 _617\"/>etshantering\u201d<span class=\"__11 _625\"/>.  </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:924.10974px;\">Ytterligare kvan<span class=\"__11 _617\"/>tita<span class=\"__11 _617\"/>tiv inf<span class=\"__11 _617\"/>ormation redo<span class=\"__11 _617\"/>visas nedan.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h8_10 ff1_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:897.5787px;\">Livf\u00f6rs\u00e4kringsrisk och marknadsrisk i livf\u00f6rs\u00e4kringsr<span class=\"__11 _617\"/>\u00f6relsen<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:450.10605px; bottom:881.04266px;\">31 dec 2022<span class=\"__11 _690\"> </span>31 dec 2021<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:845.3733px;\">K\u00e4nslighetsanalys, mn euro<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:432.43423px; bottom:864.8733px;\">Effek<span class=\"__11 _617\"/>t p\u00e5 </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:420.99164px; bottom:855.1233px;\">f\u00f6rs\u00e4krings- </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:439.35284px; bottom:845.3733px;\"><span class=\"__11 _624\">tagare1<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:498.76544px; bottom:864.8733px;\">Effek<span class=\"__11 _617\"/>t p\u00e5 </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:482.70523px; bottom:855.1233px;\">Nordeas eget </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:503.851px; bottom:845.3733px;\"><span class=\"__11 _624\">kapital2<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:565.0966px; bottom:864.8733px;\">Effek<span class=\"__11 _617\"/>t p\u00e5 </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:553.65405px; bottom:855.1233px;\">f\u00f6rs\u00e4krings- </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:572.01526px; bottom:845.3733px;\"><span class=\"__11 _624\">tagare1<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:631.42786px; bottom:864.8733px;\">Effek<span class=\"__11 _617\"/>t p\u00e5 </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:615.3676px; bottom:855.1233px;\">Nordeas eget </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:636.4811px; bottom:845.3733px;\"><span class=\"__11 _624\">kapital2<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:828.23145px;\">Mortalitet \u2013 \u00f6kad livsl\u00e4ngd med 1 \u00e5r<span class=\"__11 _1e_7\"> </span>21,<span class=\"__11 _617\"/>7<span class=\"__11 _710\"> </span>-20,6<span class=\"__11 _1a_7\"> </span>22,9<span class=\"__11 _e_10\"> </span><span class=\"ls0_11 ws0_11\">-17<span class=\"__11 _625\"/>,<span class=\"__11 _626\"/>4<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:811.0871px;\">Mortalitet \u2013 minskad livsl\u00e4ngd med 1 \u00e5r<span class=\"__11 _d6_3\"> </span>-3,4<span class=\"__11 _d7_3\"> </span>2,6<span class=\"__11 _631\"> </span>-0,<span class=\"__11 _617\"/>1<span class=\"__11 _1d_7\"> </span><span class=\"ls10_9 ws17_9\">0<span class=\"__11 _708\"/>,1<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:793.9427px;\">Invaliditet \u2013 \u00f6kning 10 pr<span class=\"__11 _617\"/>ocent<span class=\"__11 _d8_4\"> </span>16,9<span class=\"__11 _d9_3\"> </span>-15,0<span class=\"__11 _1b_7\"> </span>8,4<span class=\"__11 _bc_3\"> </span>-6,4<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:776.7983px;\">Invaliditet \u2013 minskning 10 pr<span class=\"__11 _617\"/>ocent<span class=\"__11 _da_3\"> </span><span class=\"ls0_11 ws0_11\">-14,5<span class=\"__11 _b7_4\"> </span></span>12,6<span class=\"__11 _631\"> </span>-6,1<span class=\"__11 _d7_3\"> </span><span class=\"ls6_10 ws8_10\">4,7<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:759.6539px;\">R\u00e4nteuppg\u00e5ng 50 punk<span class=\"__11 _617\"/>ter<span class=\"__11 _db_3\"> </span>-340,0<span class=\"__11 _1b_7\"> </span>4,8<span class=\"__11 _627\"> </span>-367<span class=\"__11 _617\"/>,9<span class=\"__11 _1d_7\"> </span><span class=\"ls11_9 ws18_9\">7,<span class=\"__11 _708\"/>2<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:742.50946px;\">R\u00e4ntenedg\u00e5ng 50 punk<span class=\"__11 _617\"/>ter<span class=\"__11 _dc_3\"> </span>337<span class=\"__11 _625\"/>,3<span class=\"__11 _dd_4\"> </span><span class=\"ls10_9 ws17_9\">0<span class=\"__11 _626\"/>,1<span class=\"__11 _709\"> </span></span>370,<span class=\"__11 _626\"/>2<span class=\"__11 _de_3\"> </span><span class=\"ls11_9 ws18_9\">-<span class=\"__11 _626\"/>7,<span class=\"__11 _626\"/>3<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:725.36505px;\">Nedg\u00e5ng samtliga ak<span class=\"__11 _617\"/>tiekurser 12 procen<span class=\"__11 _617\"/>t<span class=\"__11 _df_3\"> </span>-1 578,9<span class=\"__11 _b7_4\"> </span>-4,5<span class=\"__11 _692\"> </span><span class=\"ls0_11 ws0_11\">-1 176,1<span class=\"__11 _b7_4\"> </span></span>-0,3<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:708.22064px;\">Nedg\u00e5ng fastighetsv<span class=\"__11 _617\"/>\u00e4rden 8 procen<span class=\"__11 _617\"/>t<span class=\"__11 _e0_3\"> </span>-198,9<span class=\"__11 _e1_3\"> </span>-4,4<span class=\"__11 _627\"> </span>-130,8<span class=\"__11 _b7_4\"> </span>-0,2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:691.0763px;\">Motparter \u2013 f\u00f6rlus<span class=\"__11 _617\"/>t 8 procen<span class=\"__11 _617\"/>t<span class=\"__11 _e2_3\"> </span>-3,<span class=\"__11 _617\"/>1<span class=\"__11 _e1_3\"> </span>-0,2<span class=\"__11 _e1_3\"> </span>-0,6<span class=\"__11 _1b_7\"> </span>0,0<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hc_10 ff2_11 fs7_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:669.9545px;\">1)  + (plus) indikerar att skulder till f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringstagare \u00f6kar<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hc_10 ff2_11 fs7_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:658.35046px;\">2)  - (minus) indikerar att eget kapital minskar<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span></div>153<span class=\"__11 _624\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__11 _624\"> </span>Inledning<span class=\"__11 _616\"> </span><span class=\"__11 _624\">Aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5den<span class=\"__11 _618\"/><span class=\"ws3_10\">V<span class=\"__11 _617\"/>\u00e5ra in<span class=\"__11 _617\"/>tressent<span class=\"__11 _617\"/>er<span class=\"__11 _619\"> </span><span class=\"ff1_11\">Finansiella rapporter<span class=\"__11 _620\"/><span class=\"ff2_11 ws2_10\">F\u00f6rvaltningsber<span class=\"__11 _617\"/>\u00e4ttelse<span class=\"__11 _621\"> </span>H\u00e5llbarhetsnoter<span class=\"__11 _622\"> </span>\u00d6vrigt<span class=\"__11 _623\"/><span class=\"ws3_10\">Strategisk r<span class=\"__11 _617\"/>apport<span class=\"__11 _624\"> </span></span></span></span></span>K5.<span class=\"__11 _625\"/>1  Immateriella tillg\u00e5ngar<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>Immateriella tillg\u00e5ngar \u00e4r iden<span class=\"__11 _617\"/>ti\ufb01erbara, icke-monet<span class=\"__11 _617\"/>\u00e4ra till-<span class=\"__11 _624\"> </span><span class=\"__11 _624\">g\u00e5ngar som saknar fysisk beskaff</span><span class=\"__11 _617\"/>enhet. Tillg\u00e5ngarna s<span class=\"__11 _617\"/>t\u00e5r under Nordeas kon<span class=\"__11 _617\"/>troll, vilket inneb\u00e4r att Nor<span class=\"__11 _617\"/>dea har m\u00f6jlighet och r\u00e4tt a<span class=\"__11 _617\"/>tt erh\u00e5lla de fram<span class=\"__11 _617\"/>tida ekonomiska f<span class=\"__11 _617\"/>\u00f6rdelarna h\u00e4n<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>\u00f6r-<span class=\"__11 _624\"> </span>liga till den underliggande tillg\u00e5ngen. Nordeas immateriella tillg\u00e5ngar utg\u00f6rs fr\u00e4ms<span class=\"__11 _617\"/>t av goodwill, IT<span class=\"__11 _625\"/>-utvecklingsprojek<span class=\"__11 _617\"/>t/pro-<span class=\"__11 _624\"> </span>gramv<span class=\"__11 _617\"/>aror och kundr<span class=\"__11 _617\"/>elater<span class=\"__11 _617\"/>ade immateriella tillg\u00e5ngar<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Goodwill<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Goodwill utg\u00f6r skillnaden mellan anskaffningsv</span><span class=\"__11 _617\"/>\u00e4rdet och det verkliga v\u00e4r<span class=\"__11 _617\"/>det p\u00e5 <span class=\"ws7_10\">Nordea</span>s andel a<span class=\"__11 _617\"/>v identi\ufb01erbar<span class=\"__11 _617\"/>a nettotillg\u00e5ng<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ar i f\u00f6rv\u00e4rvade konc<span class=\"__11 _617\"/>ernf<span class=\"__11 _617\"/>\u00f6retag/in<span class=\"__11 _617\"/>tressef<span class=\"__11 _617\"/>\u00f6ret<span class=\"__11 _617\"/>ag/joint ven<span class=\"__11 _617\"/>tures vid f\u00f6rv\u00e4rvstidpunk<span class=\"__11 _617\"/>ten. Goodwill som uppkommit vid f<span class=\"__11 _617\"/>\u00f6rv\u00e4rv av koncern<span class=\"__11 _617\"/>f\u00f6r<span class=\"__11 _617\"/>etag redovisas som \u201dImma<span class=\"__11 _617\"/>teriella tillg\u00e5ngar<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>. Good<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>will som uppkommit vid f<span class=\"__11 _617\"/>\u00f6rv\u00e4rv av in<span class=\"__11 _617\"/>tressef<span class=\"__11 _617\"/>\u00f6retag och join<span class=\"__11 _617\"/>t ven<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>tures redo<span class=\"__11 _617\"/>visas inte som en s<span class=\"__11 _617\"/>eparat tillg\u00e5ng ut<span class=\"__11 _617\"/>an som \u201d<span class=\"__11 _625\"/>Ak<span class=\"__11 _617\"/>tier och andelar i intre<span class=\"__11 _617\"/>ssef\u00f6r<span class=\"__11 _617\"/>etag och joint v<span class=\"__11 _617\"/>entur<span class=\"__11 _617\"/>es\u201d<span class=\"__11 _625\"/>. Goodwill pr\u00f6vas \u00e5rligen f\u00f6r ev<span class=\"__11 _617\"/>entuell<span class=\"__11 _617\"/>t nedskrivningsbehov<span class=\"__11 _625\"/>, eller oftare om h\u00e4n<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>delser eller \u00e4ndrade f<span class=\"__11 _617\"/>\u00f6ruts\u00e4ttningar ty<span class=\"__11 _617\"/>der p\u00e5 att nedskrivnings<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>behov \ufb01nns. Goodwill redovisas till ansk<span class=\"__11 _617\"/><span class=\"__11 _624\">affningsv</span><span class=\"__11 _617\"/>\u00e4rde minskat med ackumulerade nedskrivningar<span class=\"__11 _625\"/>. Nedskrivning av goodwill kan inte \u00e5<span class=\"__11 _617\"/>terf\u00f6r<span class=\"__11 _617\"/>as i senare perioder<span class=\"__11 _625\"/>. Goodwill h\u00e4nf\u00f6rlig till in<span class=\"__11 _617\"/>tres<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>sef\u00f6r<span class=\"__11 _617\"/>etag och joint v<span class=\"__11 _617\"/>entur<span class=\"__11 _617\"/>es pr\u00f6v<span class=\"__11 _617\"/>as int<span class=\"__11 _617\"/>e separat f<span class=\"__11 _617\"/>\u00f6r nedskriv<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ningsbehov utan inkluder<span class=\"__11 _617\"/>as i det redovisade v<span class=\"__11 _617\"/>\u00e4rdet p\u00e5 intr<span class=\"__11 _617\"/>esse<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>f\u00f6r<span class=\"__11 _617\"/>etaget och joint v<span class=\"__11 _617\"/>enture-f<span class=\"__11 _617\"/>\u00f6retaget. Principerna f\u00f6r nedskriv<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ningspr\u00f6vning a<span class=\"__11 _617\"/>v in<span class=\"__11 _617\"/>tressef<span class=\"__11 _617\"/>\u00f6retag och join<span class=\"__11 _617\"/>t ven<span class=\"__11 _617\"/>tures beskrivs i not K9.3 \u201d<span class=\"__11 _625\"/>Ak<span class=\"__11 _617\"/>tier och andelar i intr<span class=\"__11 _617\"/>essef<span class=\"__11 _617\"/>\u00f6retag och join<span class=\"__11 _617\"/>t ven<span class=\"__11 _617\"/>tures\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>IT<span class=\"__11 _625\"/>-utvecklingsprojek<span class=\"__11 _617\"/>t/progr<span class=\"__11 _617\"/>amvar<span class=\"__11 _617\"/>or<span class=\"__11 _624\"> </span>Kostnader h\u00e4n<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>\u00f6rliga till underh\u00e5ll av pr<span class=\"__11 _617\"/>ogramv<span class=\"__11 _617\"/>aror kos<span class=\"__11 _617\"/>tnads-<span class=\"__11 _624\"> </span>f\u00f6rs l\u00f6pande. Utgifter dir<span class=\"__11 _617\"/>ekt h\u00e4n<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>\u00f6rbara till st<span class=\"__11 _617\"/>\u00f6rre inv<span class=\"__11 _617\"/>esteringar i utveckling a<span class=\"__11 _617\"/>v program<span class=\"__11 _617\"/>vara r<span class=\"__11 _617\"/>edovisas som imma<span class=\"__11 _617\"/>teriella till-<span class=\"__11 _624\"> </span>g\u00e5ngar om de f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tas generer<span class=\"__11 _617\"/>a fram<span class=\"__11 _617\"/>tida ekonomiska f<span class=\"__11 _617\"/>\u00f6rde-<span class=\"__11 _624\"> </span>lar<span class=\"__11 _617\"/>. Dessa ut<span class=\"__11 _617\"/>gifter omf<span class=\"__11 _617\"/>attar personalk<span class=\"__11 _617\"/>ostnader f<span class=\"__11 _617\"/>\u00f6r programut-<span class=\"__11 _624\"> </span>veckling och indirek<span class=\"__11 _617\"/>ta kos<span class=\"__11 _617\"/>tnader f\u00f6r a<span class=\"__11 _617\"/>tt f\u00e4r<span class=\"__11 _617\"/>digst\u00e4lla tillg\u00e5ngen f\u00f6r a<span class=\"__11 _617\"/>vsedd an<span class=\"__11 _617\"/>v\u00e4ndning. Progr<span class=\"__11 _617\"/>amkostnader om<span class=\"__11 _617\"/>fa<span class=\"__11 _617\"/>ttar ocks\u00e5 f<span class=\"__11 _617\"/>\u00f6r-<span class=\"__11 _624\"> </span>v\u00e4rvade progr<span class=\"__11 _617\"/>amlicenser som in<span class=\"__11 _617\"/>te \u00e4r h\u00e4nf<span class=\"__11 _617\"/>\u00f6rliga till funk<span class=\"__11 _617\"/>tionen hos en materiell tillg\u00e5ng.<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vskrivningen ber\u00e4knas linj\u00e4rt \u00f6v<span class=\"__11 _617\"/>er program<span class=\"__11 _617\"/>var<span class=\"__11 _617\"/>ans nyttjan-<span class=\"__11 _624\"> </span>deperiod, som vanligen \u00e4r 3 till 5 \u00e5r<span class=\"__11 _625\"/>, och i vissa fall f\u00f6r s<span class=\"__11 _617\"/>tra<span class=\"__11 _617\"/>te-<span class=\"__11 _624\"> </span>gisk infr<span class=\"__11 _617\"/>astruk<span class=\"__11 _617\"/>tur upp till maximalt 10 \u00e5r<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Kundrela<span class=\"__11 _617\"/>terade imma<span class=\"__11 _617\"/>teriella tillg\u00e5ngar<span class=\"__11 _624\"> </span>I samband med r\u00f6relsef<span class=\"__11 _617\"/>\u00f6rv\u00e4rv allokeras normalt s<span class=\"__11 _617\"/>ett en del av k\u00f6peskillingen till kundr<span class=\"__11 _617\"/>elater<span class=\"__11 _617\"/>ade immateriella tillg\u00e5ngar<span class=\"__11 _625\"/>, under f\u00f6ruts\u00e4<span class=\"__11 _617\"/>ttning att tillg\u00e5ngen \u00e4r iden<span class=\"__11 _617\"/>ti\ufb01erbar och under Nordeas kon<span class=\"__11 _617\"/>troll. En immateriell tillg\u00e5ng \u00e4r iden<span class=\"__11 _617\"/>ti\ufb01erbar om den uppst\u00e5r till f<span class=\"__11 _617\"/>\u00f6ljd a<span class=\"__11 _617\"/>v avt<span class=\"__11 _617\"/>alsm\u00e4ssiga eller lagliga r\u00e4ttighet<span class=\"__11 _617\"/>er<span class=\"__11 _617\"/>, eller om den kan separeras f<span class=\"__11 _617\"/>r\u00e5n f<span class=\"__11 _617\"/>\u00f6retaget och s\u00e4ljas, \u00f6<span class=\"__11 _617\"/>verf\u00f6r<span class=\"__11 _617\"/>as, licensieras, uthyr<span class=\"__11 _617\"/>as eller bytas. <span class=\"__11 _625\"/>Tillg\u00e5ngen skrivs av \u00f6ver n<span class=\"__11 _617\"/>ytt-<span class=\"__11 _624\"> </span>jandeperioden, som vanligen \u00e4r mer \u00e4n 10 \u00e5r<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Nedskrivning Goodwill och IT<span class=\"__11 _625\"/>-utvecklingsprojekt s<span class=\"__11 _617\"/>om \u00e4nnu inte t<span class=\"__11 _617\"/>agits i bruk skrivs inte a<span class=\"__11 _617\"/>v<span class=\"__11 _625\"/>, men pr\u00f6vas \u00e5rligen med a<span class=\"__11 _617\"/>vseende p\u00e5 ev<span class=\"__11 _617\"/>entuell<span class=\"__11 _617\"/>t nedskrivningsbehov<span class=\"__11 _625\"/>. Pr\u00f6vningen g\u00f6rs oftare om n\u00e5got ty<span class=\"__11 _617\"/>der p\u00e5 att ett nedskrivningsbehov f<span class=\"__11 _617\"/>\u00f6religger<span class=\"__11 _625\"/>. \u00c4<span class=\"__11 _625\"/>ven f\u00f6r immateriella tillg\u00e5ngar som tagits i bruk och skrivs a<span class=\"__11 _617\"/>v<span class=\"__11 _625\"/>, g\u00f6r<span class=\"__11 _626\"/>s en bed\u00f6mning med avseende p\u00e5 indik<span class=\"__11 _617\"/>ationer p\u00e5 nedskrivningsbehov<span class=\"__11 _625\"/>. Om s\u00e5dana indikationer \ufb01nns, pr\u00f6<span class=\"__11 _617\"/>vas nedskrivningsbehov<span class=\"__11 _617\"/>et f\u00f6r till<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>g\u00e5ngen. Nedskrivningskostnaden ber<span class=\"__11 _617\"/>\u00e4knas som skillnaden mellan redovisa<span class=\"__11 _617\"/>t v\u00e4rde och \u00e5<span class=\"__11 _617\"/>tervinningsv\u00e4rde. \u00c5tervinningsv\u00e4rdet \u00e4r det h\u00f6gre a<span class=\"__11 _617\"/>v verkligt v<span class=\"__11 _617\"/>\u00e4rde efter av<span class=\"__11 _617\"/>drag f<span class=\"__11 _617\"/>\u00f6r f<span class=\"__11 _617\"/>\u00f6rs\u00e4ljningskostnader och nyttjandev<span class=\"__11 _617\"/>\u00e4rdet f<span class=\"__11 _617\"/>\u00f6r till<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>g\u00e5ngen eller den kassagenererande enhet<span class=\"__11 _617\"/>en. Kassagenerer<span class=\"__11 _617\"/>an<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>de enhet de\ufb01nieras som den minst<span class=\"__11 _617\"/>a identi\ufb01erbar<span class=\"__11 _617\"/>a grupp av till<span class=\"__11 _617\"/><span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>g\u00e5ngar som ger upphov till kassafl\u00f6den s<span class=\"__11 _617\"/>om i allt v\u00e4sen<span class=\"__11 _617\"/>tligt \u00e4r oberoende a<span class=\"__11 _617\"/>v andra tillg\u00e5ngar<span class=\"__11 _625\"/>. F\u00f6r goodwill och IT<span class=\"__11 _625\"/>-utvecklings<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>projekt s<span class=\"__11 _617\"/>om \u00e4nnu inte t<span class=\"__11 _617\"/>agits i bruk, motsvaras de kassagener<span class=\"__11 _617\"/>e<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>rande enheterna a<span class=\"__11 _617\"/>v r\u00f6r<span class=\"__11 _617\"/>elsesegmen<span class=\"__11 _617\"/>ten. Nyttjandev\u00e4r<span class=\"__11 _617\"/>det \u00e4r nuv\u00e4rdet a<span class=\"__11 _617\"/>v de kassafl\u00f6den s<span class=\"__11 _617\"/>om tillg\u00e5ngen eller den kassage<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>nererande enheten f<span class=\"__11 _617\"/>\u00f6rv\u00e4n<span class=\"__11 _617\"/>tas ge upphov til<span class=\"__11 _624\"> </span>l. Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__11 _617\"/>ttningar<span class=\"__11 _624\"> </span>Pr\u00f6vning a<span class=\"__11 _617\"/>v nedskrivningsbehov f<span class=\"__11 _625\"/>\u00f6r goodwill och andra immat<span class=\"__11 _617\"/>eriella tillg\u00e5ngar<span class=\"__11 _624\"> </span>I samband med identi\ufb01eringen a<span class=\"__11 _617\"/>v kassagenerer<span class=\"__11 _617\"/>ande enheter och i vilken utstr<span class=\"__11 _617\"/>\u00e4ckning de kan l\u00e4ggas samman till grupper som pr\u00f6v<span class=\"__11 _617\"/>as tillsammans beh\u00f6ver bed\u00f6mningar g\u00f6r<span class=\"__11 _617\"/>as. Int<span class=\"__11 _617\"/>ernt utvecklade progr<span class=\"__11 _617\"/>amvar<span class=\"__11 _617\"/>or<span class=\"__11 _625\"/>, som \u00e4nnu inte har b\u00f6rjat skrivas a<span class=\"__11 _617\"/>v<span class=\"__11 _625\"/>, ing\u00e5r i pr\u00f6vningen a<span class=\"__11 _617\"/>v nedskrivningsbehov<span class=\"__11 _617\"/>et och allokeras till kassagenererande enhet<span class=\"__11 _617\"/>er<span class=\"__11 _625\"/>. Nordeas samlade goodwill uppgick <span class=\"__11 _624\">till 2 262 mn euro (1 975 mn euro</span><span class=\"__11 _617\"/>) vid \u00e5rets slut. V<span class=\"__11 _617\"/>\u00e4rdet p\u00e5 pr<span class=\"__11 _617\"/>o-<span class=\"__11 _624\"> </span>gramv<span class=\"__11 _617\"/>aror som \u00e4nnu in<span class=\"__11 _617\"/>te b\u00f6rjat skriv<span class=\"__11 _617\"/>as av uppgick till 41<span class=\"__11 _617\"/><span class=\"__11 _624\">4 mn </span>euro (<span class=\"__11 _617\"/>446 mn euro<span class=\"__11 _617\"/>) vid \u00e5rets slut.<span class=\"__11 _624\"> </span>Uppskattningen a<span class=\"__11 _617\"/>v fr<span class=\"__11 _617\"/>amtida kassafl<span class=\"__11 _617\"/>\u00f6den och ber\u00e4kningen a<span class=\"__11 _617\"/>v diskont<span class=\"__11 _617\"/>eringsr\u00e4n<span class=\"__11 _617\"/>tan f\u00f6r de<span class=\"__11 _617\"/>ssa kassafl\u00f6den \u00e4r f<span class=\"__11 _617\"/>\u00f6renade med os\u00e4<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>kerhet i uppskattningarna. Uppska<span class=\"__11 _617\"/>ttningen a<span class=\"__11 _617\"/>v fram<span class=\"__11 _617\"/>tida kassafl\u00f6<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>den p\u00e5v<span class=\"__11 _617\"/>erkas myck<span class=\"__11 _617\"/>et a<span class=\"__11 _617\"/>v kassafl\u00f6desprognoserna f<span class=\"__11 _617\"/>\u00f6r de n\u00e4rmas<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>te \u00e5ren (normalt 3\u20135 \u00e5r) och a<span class=\"__11 _617\"/>v den uppska<span class=\"__11 _617\"/>ttade tillv<span class=\"__11 _617\"/>\u00e4xttakt<span class=\"__11 _617\"/>en f\u00f6r sek<span class=\"__11 _617\"/>torn eft<span class=\"__11 _617\"/>er 3\u20135 \u00e5r<span class=\"__11 _625\"/>. Tillv<span class=\"__11 _617\"/>\u00e4xttak<span class=\"__11 _617\"/>ten baseras p\u00e5 his<span class=\"__11 _617\"/>toriska dat<span class=\"__11 _617\"/>a som uppdater<span class=\"__11 _617\"/>as f\u00f6r a<span class=\"__11 _617\"/>tt spegla den aktuella situa<span class=\"__11 _617\"/>tionen, vilket ger upphov till os\u00e4kerhet i uppska<span class=\"__11 _617\"/>ttningarna. \u00c4<span class=\"__11 _625\"/>ven vid uppskattning av l\u00e5ngsik<span class=\"__11 _617\"/>tig tillv<span class=\"__11 _617\"/>\u00e4xttak<span class=\"__11 _617\"/>t kr\u00e4<span class=\"__11 _617\"/>vs att kritiska bed\u00f6mningar g\u00f6rs.<span class=\"__11 _624\"> </span>Fr<span class=\"__11 _617\"/>amr\u00e4knade kassafl\u00f6den disk<span class=\"__11 _617\"/>onter<span class=\"__11 _617\"/>as med en r\u00e4n<span class=\"__11 _617\"/>ta baser<span class=\"__11 _617\"/>ad p\u00e5 den l\u00e5ngfristiga riskf<span class=\"__11 _617\"/>ria r\u00e4n<span class=\"__11 _617\"/>tan plus en riskpremie.<span class=\"__11 _624\"> </span>A<span class=\"__11 _625\"/>vskrivningstid f\u00f6r kapitaliserad pr<span class=\"__11 _617\"/>ogramv<span class=\"__11 _617\"/>ara<span class=\"__11 _624\"> </span>Intern<span class=\"__11 _617\"/>t utvecklade pr<span class=\"__11 _617\"/>ogramv<span class=\"__11 _617\"/>aror kapitaliser<span class=\"__11 _617\"/>as och skrivs a<span class=\"__11 _617\"/>v under program<span class=\"__11 _617\"/>varans n<span class=\"__11 _617\"/>yttjandeperiod. Eftersom IT<span class=\"__11 _625\"/>-milj\u00f6n f\u00f6r-<span class=\"__11 _624\"> </span>\u00e4ndras snabbt g\u00f6r ledningen bed\u00f6mningar f<span class=\"__11 _617\"/>\u00f6r att uppska<span class=\"__11 _617\"/>tta program<span class=\"__11 _617\"/>varans n<span class=\"__11 _617\"/>yttjandeperiod, vilket p\u00e5<span class=\"__11 _617\"/>verkar det \u00e5rliga avskrivningsbeloppet. H\u00f6gre energi- och r<span class=\"__11 _617\"/>\u00e5<span class=\"__11 _617\"/>varupriser och l\u00e4gre priva<span class=\"__11 _617\"/>tkonsum<span class=\"__11 _617\"/>tion<span class=\"__11 _624\"> </span>F\u00f6r in<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>ormation om kritiska bed\u00f6mningar som gjorts vid upp-<span class=\"__11 _624\"> </span>r\u00e4ttandet a<span class=\"__11 _625\"/>v denna \u00e5r<span class=\"__11 _626\"/>sredovisning, till f<span class=\"__11 _617\"/>\u00f6ljd av os\u00e4k<span class=\"__11 _617\"/>erhet kring hur h\u00f6gre energi- och r<span class=\"__11 _617\"/>\u00e5v<span class=\"__11 _617\"/>arupriser och l\u00e4gre priv<span class=\"__11 _617\"/>atkonsum<span class=\"__11 _617\"/>tion i olika sekt<span class=\"__11 _617\"/>orer p\u00e5 l\u00e5ng sik<span class=\"__11 _617\"/>t kan komma att p\u00e5<span class=\"__11 _617\"/>verk<span class=\"__11 _617\"/>a Nordeas redovisning, se no<span class=\"__11 _617\"/>t K1 \u201dRedo<span class=\"__11 _617\"/>visningsprinciper<span class=\"__11 _626\"/>\u201d<span class=\"__11 _624\"> </span><span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Pr\u00f6vning a<span class=\"__11 _617\"/>v nedskrivningsbehov<span class=\"__11 _624\"> </span>Nedskrivningspr\u00f6vningen genom<span class=\"__11 _617\"/>f\u00f6rs f<span class=\"__11 _617\"/>\u00f6r varje kassagener<span class=\"__11 _617\"/>eran<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>de enhet genom att j\u00e4mf<span class=\"__11 _617\"/>\u00f6ra det r<span class=\"__11 _617\"/>edovisade v<span class=\"__11 _617\"/>\u00e4rdet p\u00e5 nettotill<span class=\"__11 _617\"/><span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>g\u00e5ngarna, inklusive goodwill, med \u00e5tervinningsv\u00e4r<span class=\"__11 _617\"/>det. \u00c5tervin<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ningsv\u00e4rdet \u00e4r n<span class=\"__11 _617\"/>yttjandev\u00e4rdet och ber<span class=\"__11 _617\"/>\u00e4knas p\u00e5 basis a<span class=\"__11 _617\"/>v diskon<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>terade kassa<span class=\"__11 _617\"/>fl\u00f6den. D\u00e5 inves<span class=\"__11 _617\"/>teringarna \u00e4r a<span class=\"__11 _617\"/>v en s\u00e5dan l\u00e5ngsiktig karak<span class=\"__11 _617\"/>t\u00e4r har eviga kassafl\u00f6den an<span class=\"__11 _617\"/>v\u00e4n<span class=\"__11 _617\"/>ts vid ber\u00e4kningen. Kassafl\u00f6den f<span class=\"__11 _617\"/>\u00f6r de n\u00e4rmast<span class=\"__11 _617\"/>e tre \u00e5ren baser<span class=\"__11 _617\"/>as p\u00e5 \ufb01nansiella prognoser<span class=\"__11 _625\"/>. Prognoserna bygger p\u00e5 <span class=\"ws19_9\">Nordea</span>s makr<span class=\"__11 _617\"/>oekonomiska utsikter s<span class=\"__11 _617\"/>om inkluderar in<span class=\"__11 _617\"/>forma<span class=\"__11 _617\"/>tion om BNP-tillv<span class=\"__11 _617\"/>\u00e4xt, inflation och ref<span class=\"__11 _617\"/>erensr\u00e4n<span class=\"__11 _617\"/>tor f<span class=\"__11 _617\"/>\u00f6r relev<span class=\"__11 _617\"/>anta l\u00e4nder<span class=\"__11 _625\"/>. Baserat p\u00e5 dessa makr<span class=\"__11 _617\"/>oeko-<span class=\"__11 _624\"> </span>nomiska prognoser uppska<span class=\"__11 _617\"/><span class=\"__11 _624\">ttar aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5dena hur marginaler<span class=\"__11 _625\"/>, volymer<span class=\"__11 _625\"/>, f\u00f6rs\u00e4ljning och kostnader k<span class=\"__11 _617\"/>ommer att utvecklas under de kommande \u00e5ren. Kreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter ber\u00e4knas utif<span class=\"__11 _617\"/>r\u00e5n det l\u00e5ngsik<span class=\"__11 _617\"/>tiga genomsnittet f\u00f6r olik<span class=\"__11 _617\"/><span class=\"__11 _624\">a aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5den. Detta resul<span class=\"__11 _617\"/>terar i en re<span class=\"__11 _617\"/>sul-<span class=\"__11 _624\"> </span>tatr\u00e4kning f<span class=\"__11 _617\"/>\u00f6r v<span class=\"__11 _617\"/>arje \u00e5r<span class=\"__11 _617\"/>. Det es<span class=\"__11 _617\"/>timerade kassafl\u00f6det f<span class=\"__11 _617\"/>\u00f6r re<span class=\"__11 _617\"/>spektiv<span class=\"__11 _617\"/>e<span class=\"__11 _624\"> </span>K5 <span class=\"__11 _e3_3\"> </span>Immat<span class=\"__11 _617\"/>eriella och ma<span class=\"__11 _617\"/>teriella tillg\u00e5ngar<span class=\"__11 _624\"> </span>154<span class=\"__11 _624\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__11 _624\"> </span>Inledning<span class=\"__11 _616\"> </span><span class=\"__11 _624\">Aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5den<span class=\"__11 _618\"/><span class=\"ws3_10\">V<span class=\"__11 _617\"/>\u00e5ra in<span class=\"__11 _617\"/>tressent<span class=\"__11 _617\"/>er<span class=\"__11 _619\"> </span><span class=\"ff1_11\">Finansiella rapporter<span class=\"__11 _620\"/><span class=\"ff2_11 ws2_10\">F\u00f6rvaltningsber<span class=\"__11 _617\"/>\u00e4ttelse<span class=\"__11 _621\"> </span>H\u00e5llbarhetsnoter<span class=\"__11 _622\"> </span>\u00d6vrigt<span class=\"__11 _623\"/><span class=\"ws3_10\">Strategisk r<span class=\"__11 _617\"/>apport<span class=\"__11 _624\"> </span></span></span></span></span>\u00e5r \u00e4r det prognosticer<span class=\"__11 _617\"/>ade nettoresul<span class=\"__11 _617\"/>tatet i de<span class=\"__11 _617\"/>ssa resulta<span class=\"__11 _617\"/>tr\u00e4kning<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ar<span class=\"__11 _625\"/>, reducerat med det lagstadgade kapit<span class=\"__11 _617\"/>al som kr\u00e4<span class=\"__11 _617\"/>vs f<span class=\"__11 _617\"/>\u00f6r att verk<span class=\"__11 _617\"/><span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>samheten ska kunna v<span class=\"__11 _617\"/>\u00e4xa i enlighet med tillv\u00e4x<span class=\"__11 _617\"/>tantagandena. F<span class=\"__11 _617\"/>\u00f6r de kassagenererande enhet<span class=\"__11 _617\"/>er som har mer kapital \u00e4n vad k<span class=\"__11 _617\"/>oncer-<span class=\"__11 _624\"> </span>nens m\u00e5l f\u00f6r k\u00e4rnprim\u00e4rkapit<span class=\"__11 _617\"/>alrelation anger<span class=\"__11 _625\"/>, kommer \u00e4v<span class=\"__11 _617\"/>en utdelningar att inkluder<span class=\"__11 _617\"/>as i kassafl\u00f6dena under tre \u00e5r till dess a<span class=\"__11 _617\"/>tt k\u00e4rnprim\u00e4rkapitalrela<span class=\"__11 _617\"/>tionen uppg\u00e5r till koncernens m\u00e5ls\u00e4ttning. Prognoserna tar \u00e4<span class=\"__11 _617\"/>ven h\u00e4nsyn till de s<span class=\"__11 _617\"/>t\u00f6rre projek<span class=\"__11 _617\"/>t som <span class=\"ws7_10\">Nordea</span><span class=\"ls1_11\"> </span>initierat. Centr<span class=\"__11 _617\"/>ala kostnader har allok<span class=\"__11 _617\"/>erats till a<span class=\"__11 _617\"/><span class=\"__11 _624\">ff\u00e4rsomr</span><span class=\"__11 _617\"/>\u00e5dena f\u00f6r att s\u00e4kerst\u00e4lla a<span class=\"__11 _617\"/>tt kassafl\u00f6dena i de kassagener<span class=\"__11 _617\"/>erande enheterna \u00e4v<span class=\"__11 _617\"/>en inneh\u00e5ller alla indirek<span class=\"__11 _617\"/>ta kostnader<span class=\"__11 _625\"/>. Skattekos<span class=\"__11 _617\"/>tnader har ber\u00e4knats baser<span class=\"__11 _617\"/>at p\u00e5 schablonska<span class=\"__11 _617\"/>ttesats<span class=\"__11 _617\"/>er<span class=\"__11 _625\"/>. Kassafl\u00f6den f\u00f6r peri-<span class=\"__11 _624\"> </span>oden efter prognosperioden baser<span class=\"__11 _617\"/>as p\u00e5 uppskattningar a<span class=\"__11 _617\"/>v sek<span class=\"__11 _617\"/><span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>torbaserade till<span class=\"__11 _617\"/>v\u00e4xttal. <span class=\"__11 _625\"/>Tillv\u00e4xttakt<span class=\"__11 _617\"/>en bygger p\u00e5 his<span class=\"__11 _617\"/>toriska data, vilka uppdater<span class=\"__11 _617\"/>ats f<span class=\"__11 _617\"/>\u00f6r att spegla den ak<span class=\"__11 _617\"/>tuella situationen.<span class=\"__11 _624\"> </span>Immateriella tillg\u00e5ngar<span class=\"__11 _624\"> </span>Kassagenererande enheter<span class=\"__11 _625\"/>, mn euro<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Goodwill1 </span>31 dec 2022<span class=\"__11 _624\"> </span>Internt utvecklad programv<span class=\"__11 _617\"/>ara <span class=\"__11 _e4_3\"/> 31 dec 2022<span class=\"__11 _624\"> </span>Summa <span class=\"__11 _e4_3\"/> 31 dec 2022<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Goodwill1 </span>31 dec 2021<span class=\"__11 _624\"> </span>Internt utvecklad programv<span class=\"__11 _617\"/>ara <span class=\"__11 _e4_3\"/> 31 dec 2021<span class=\"__11 _624\"> </span>Summa <span class=\"__11 _e4_3\"/> 31 dec 2021<span class=\"__11 _624\"> </span>Personal Banking <span class=\"__11 _619\"> </span>1 029<span class=\"__11 _e1_3\"> </span>564<span class=\"__11 _709\"> </span>1 593<span class=\"__11 _645\"> </span>1 053<span class=\"__11 _b7_4\"> </span>590<span class=\"__11 _645\"> </span>1 643<span class=\"__11 _624\"> </span>Business Banking<span class=\"__11 _e5_3\"> </span><span class=\"ls6_10 ws8_10\">7<span class=\"__11 _626\"/>24<span class=\"__11 _e1_3\"> </span></span>490<span class=\"__11 _b6_4\"> </span>1 214<span class=\"__11 _c2_4\"> </span><span class=\"ls0_11 ws0_11\">751<span class=\"__11 _631\"> </span></span>522<span class=\"__11 _710\"> </span>1 27<span class=\"__11 _626\"/>3<span class=\"__11 _624\"> </span>Large Corpora<span class=\"__11 _617\"/>tes &amp; Insitutions<span class=\"__11 _e6_3\"> </span>165<span class=\"__11 _e1_3\"> </span>308<span class=\"__11 _631\"> </span>473<span class=\"__11 _1b_7\"> </span><span class=\"ls0_11 ws0_11\">171<span class=\"__11 _c5_4\"> </span></span>336<span class=\"__11 _e7_3\"> </span>507<span class=\"__11 _624\"> </span>Asset &amp; W<span class=\"__11 _617\"/>ealth Management<span class=\"__11 _a1_3\"> </span>344<span class=\"__11 _e7_3\"> </span>2<span class=\"__11 _626\"/>37<span class=\"__11 _631\"> </span>581<span class=\"__11 _a6_4\"> </span>\u2013<span class=\"__11 _631\"> </span>195<span class=\"__11 _de_3\"> </span>195<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _e8_4\"> </span>2 262<span class=\"__11 _a5_4\"> </span>1 599<span class=\"__11 _a5_4\"> </span>3 861<span class=\"__11 _645\"> </span>1 975<span class=\"__11 _a5_4\"> </span>1 64<span class=\"__11 _626\"/>3<span class=\"__11 _a5_4\"> </span>3 618<span class=\"__11 _624\"> </span><span class=\"__11 _624\">\u00d6vriga immateriella tillg\u00e5ngar2</span><span class=\"__11 _643\"> </span>\u2013<span class=\"__11 _e9_4\"> </span>\u2013<span class=\"__11 _631\"> </span>183<span class=\"__11 _a6_4\"> </span>\u2013<span class=\"__11 _a6_4\"> </span>\u2013<span class=\"__11 _e7_3\"> </span>166<span class=\"__11 _624\"> </span>Summa immateriella tillg\u00e5ngar<span class=\"__11 _7d_4\"> </span>2 262<span class=\"__11 _a5_4\"> </span>1 599<span class=\"__11 _661\"> </span>4 044<span class=\"__11 _645\"> </span>1 975<span class=\"__11 _a5_4\"> </span>1 643<span class=\"__11 _a5_4\"> </span>3 784<span class=\"__11 _624\"> </span>1)  Exklusive goodwill i intresse<span class=\"__11 _617\"/>f\u00f6retag.<span class=\"__11 _624\"> </span>2)  Inklusive k\u00f6pta progr<span class=\"__11 _617\"/>amlicenser utanf<span class=\"__11 _617\"/>\u00f6r interna utv<span class=\"__11 _617\"/>ecklingsprojekt om 109 mn euro (130 mn eur<span class=\"__11 _617\"/>o)<span class=\"__11 _624\"> </span>.<span class=\"__11 _624\"> </span>K5.2 <span class=\"__11 _642\"> </span>Mat<span class=\"__11 _617\"/>eriella tillg\u00e5ngar<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>Post<span class=\"__11 _617\"/>en \u201dMateriella tillg\u00e5ngar\u201d innefattar f<span class=\"__11 _617\"/>astigheter f<span class=\"__11 _617\"/>\u00f6r egen<span class=\"__11 _624\"> </span> anv\u00e4ndning, f<span class=\"__11 _617\"/>\u00f6rb\u00e4ttringsut<span class=\"__11 _617\"/>gifter p\u00e5 annans fas<span class=\"__11 _617\"/>tighet, IT<span class=\"__11 _625\"/>-utrust-<span class=\"__11 _624\"> </span>ning, m\u00f6bler och annan utrustning. <span class=\"__11 _617\"/>\u00c4<span class=\"__11 _617\"/>ven n<span class=\"__11 _617\"/>yttjander\u00e4<span class=\"__11 _617\"/>tter enligt<span class=\"__11 _624\"> </span> leasingavt<span class=\"__11 _617\"/>al ing\u00e5r h\u00e4r (f\u00f6r mer in<span class=\"__11 _617\"/>forma<span class=\"__11 _617\"/>tion se not K5.4 \u201dL<span class=\"__11 _617\"/>ea-<span class=\"__11 _624\"> </span>sing\u201d). Materiella tillg\u00e5ngar redo<span class=\"__11 _617\"/><span class=\"__11 _624\">visas till anskaffningsv</span><span class=\"__11 _617\"/>\u00e4rde<span class=\"__11 _624\"> </span> minskat med ackumuler<span class=\"__11 _617\"/>ade a<span class=\"__11 _617\"/>v- och nedskrivningar<span class=\"__11 _625\"/><span class=\"__11 _624\">. Anskaff-<span class=\"__11 _624\"> </span></span>ningsv\u00e4rdet f<span class=\"__11 _617\"/>\u00f6r en mat<span class=\"__11 _617\"/>eriell tillg\u00e5ng utg\u00f6rs av dess ink<span class=\"__11 _617\"/>\u00f6pspris<span class=\"__11 _624\"> </span> samt ev<span class=\"__11 _617\"/>entuella kos<span class=\"__11 _617\"/>tnader direk<span class=\"__11 _617\"/>t h\u00e4nf<span class=\"__11 _617\"/>\u00f6rliga till att s\u00e4<span class=\"__11 _617\"/>tta till-<span class=\"__11 _624\"> </span>g\u00e5ngen i brukbart skick f\u00f6r a<span class=\"__11 _617\"/>vsedd anv\u00e4ndning. Delar a<span class=\"__11 _625\"/>v en<span class=\"__11 _624\"> </span> materiell tillg\u00e5ng redo<span class=\"__11 _617\"/>visas som separa<span class=\"__11 _617\"/>ta post<span class=\"__11 _617\"/>er om de har<span class=\"__11 _624\"> </span> olika nyttjandeperiod.<span class=\"__11 _624\"> </span>F\u00f6rb\u00e4<span class=\"__11 _617\"/>ttringsutgifter redo<span class=\"__11 _617\"/>visas som tillg\u00e5ngar om de inneb\u00e4r<span class=\"__11 _624\"> </span> en f\u00f6rb\u00e4<span class=\"__11 _617\"/>ttrad funk<span class=\"__11 _617\"/>tion hos tillg\u00e5ngen, medan utgifter f<span class=\"__11 _617\"/>\u00f6r<span class=\"__11 _624\"> </span> underh\u00e5ll inte f<span class=\"__11 _617\"/>\u00f6rb\u00e4ttr<span class=\"__11 _617\"/>ar tillg\u00e5ngens funk<span class=\"__11 _617\"/>tion och d\u00e4rmed kost-<span class=\"__11 _624\"> </span>nadsf\u00f6rs l\u00f6pande.<span class=\"__11 _624\"> </span>Materiella tillg\u00e5ngar skrivs a<span class=\"__11 _617\"/>v linj\u00e4rt \u00f6ver den ber<span class=\"__11 _617\"/>\u00e4knade<span class=\"__11 _624\"> </span> nyttjandeperioden enligt nedan. Den ber\u00e4knade n<span class=\"__11 _617\"/>yttjandepe-<span class=\"__11 _624\"> </span>rioden f\u00f6r olika ma<span class=\"__11 _617\"/>teriella tillg\u00e5ngar uppdat<span class=\"__11 _617\"/>eras \u00e5rligen.<span class=\"__11 _624\"> </span>Byggnader <span class=\"__11 _8a_3\"> </span>30\u201375 \u00e5r<span class=\"__11 _624\"> </span>Inven<span class=\"__11 _617\"/>tarier <span class=\"__11 _6a_3\"> </span>3\u20135 \u00e5r<span class=\"__11 _624\"> </span>F\u00f6rb\u00e4<span class=\"__11 _617\"/>ttrings  -<span class=\"ws3_10\"> </span> utgifter <span class=\"__11 _ea_4\"> </span>p\u00e5 <span class=\"__11 _ea_4\"> </span><span class=\"ws3_10\"> </span>annans fas<span class=\"__11 _617\"/>tighet  <span class=\"__11 _a_10\"> </span> <span class=\"__11 _eb_3\"/>F\u00f6r f<span class=\"__11 _617\"/>\u00f6r\u00e4ndringar inom b<span class=\"__11 _617\"/>yggnader<span class=\"__11 _625\"/>, det kor-<span class=\"__11 _624\"> </span>tare a<span class=\"__11 _617\"/>v 10 \u00e5r och \u00e5terst<span class=\"__11 _617\"/>\u00e5ende hyresperiod.<span class=\"__11 _624\"> </span> F\u00f6r n<span class=\"__11 _617\"/>ybyggna<span class=\"__11 _617\"/>tion, det kortare a<span class=\"__11 _617\"/>v redovis-<span class=\"__11 _624\"> </span>ningsprinciperna f\u00f6r \u00e4gda b<span class=\"__11 _617\"/>yggnader och<span class=\"__11 _624\"> </span> \u00e5terst\u00e5ende h<span class=\"__11 _617\"/>yresperiod. F<span class=\"__11 _617\"/>\u00f6r fas<span class=\"__11 _617\"/>t inredning i<span class=\"__11 _624\"> </span> hyrda f<span class=\"__11 _617\"/>astigheter g\u00e4ller det k<span class=\"__11 _617\"/>ortare a<span class=\"__11 _617\"/>v<span class=\"__11 _624\"> </span> 10\u201320 \u00e5r och \u00e5<span class=\"__11 _617\"/>terst\u00e5ende hyr<span class=\"__11 _617\"/>esperiod<span class=\"__11 _624\"> </span>.<span class=\"__11 _624\"> </span>K5.<span class=\"__11 _617\"/>1  Immateriella tillg\u00e5ngar<span class=\"__11 _625\"/>, forts<span class=\"__11 _626\"/>.<span class=\"__11 _624\"> </span>Fr<span class=\"__11 _617\"/>amr\u00e4knade kassafl\u00f6den disk<span class=\"__11 _617\"/>onter<span class=\"__11 _617\"/>as med en r\u00e4n<span class=\"__11 _617\"/>ta baser<span class=\"__11 _617\"/>ad p\u00e5 den l\u00e5ngfristiga riskf<span class=\"__11 _617\"/>ria r\u00e4n<span class=\"__11 _617\"/>tan plus en riskpremie. Diskon<span class=\"__11 _617\"/>te-<span class=\"__11 _624\"> </span>ringsr\u00e4n<span class=\"__11 _617\"/>tan som anv\u00e4nde<span class=\"__11 _617\"/>s 2022 var 9,0 proc<span class=\"__11 _617\"/>ent (6,8 procen<span class=\"__11 _617\"/>t) efter skatt, vilket motsv<span class=\"__11 _617\"/>arar en r\u00e4n<span class=\"__11 _617\"/>ta p\u00e5 11,<span class=\"__11 _617\"/><span class=\"__11 _624\">7 procen</span><span class=\"__11 _617\"/>t (8,8 procent) f\u00f6r<span class=\"__11 _617\"/>e skatt. Den ber\u00e4knade tillv<span class=\"__11 _617\"/>\u00e4xttak<span class=\"__11 _617\"/>ten 2,5 procen<span class=\"__11 _617\"/>t (1,6 procen<span class=\"__11 _617\"/>t). De kassagenererande enhet<span class=\"__11 _617\"/>erna t\u00e4cker alla nordiska v<span class=\"__11 _617\"/>alutor och Nordea<span class=\"ws3_10\"> diskon<span class=\"__11 _617\"/>terar f<span class=\"__11 _617\"/>ram<span class=\"__11 _617\"/>tida kassafl\u00f6den med en euro-denomi<span class=\"__11 _624\"> </span></span>-<span class=\"__11 _624\"> </span>nerad r\u00e4n<span class=\"__11 _617\"/>ta f<span class=\"__11 _617\"/>\u00f6r alla kassagenerer<span class=\"__11 _617\"/>ande enheter<span class=\"__11 _625\"/>.<span class=\"__11 _626\"/> De pr\u00f6vningar a<span class=\"__11 _617\"/>v nedskrivningsbehov<span class=\"__11 _617\"/>et som gjordes 2022 p\u00e5visade in<span class=\"__11 _617\"/>te n\u00e5go<span class=\"__11 _617\"/>t behov a<span class=\"__11 _617\"/>v en nedskrivning av goodwill. B\u00e5de en \u00f6kning av disk<span class=\"__11 _617\"/>onteringsr<span class=\"__11 _617\"/>\u00e4nt<span class=\"__11 _617\"/>an med 1 procen<span class=\"__11 _617\"/>tenhet och en minskning av den f<span class=\"__11 _617\"/>ram<span class=\"__11 _617\"/>tida tillv<span class=\"__11 _617\"/>\u00e4xttakt<span class=\"__11 _617\"/>en med 1 procen<span class=\"__11 _617\"/>t-<span class=\"__11 _624\"> </span>enheter \u00e4r rimliga t\u00e4nkbara \u00e4ndringar i vik<span class=\"__11 _617\"/>tiga an<span class=\"__11 _617\"/>taganden. En s\u00e5dan \u00e4ndring skulle in<span class=\"__11 _617\"/>te leda till n\u00e5gon nedskrivning.<span class=\"__11 _624\"> </span>F\u00f6r\u00e4ndringar a<span class=\"__11 _617\"/>v goodwill, mn euro<span class=\"__11 _624\"> </span>31 dec 2022<span class=\"__11 _669\"> </span>31 dec 2021<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Anskaffningsv\u00e4r</span><span class=\"__11 _617\"/>de vid \u00e5rets b\u00f6rjan<span class=\"__11 _c8_4\"> </span>2 116<span class=\"__11 _648\"> </span>2 07<span class=\"__11 _626\"/>9<span class=\"__11 _624\"> </span>Ink\u00f6p<span class=\"__11 _ec_3\"> </span>344<span class=\"__11 _1a_7\"> </span>\u2013<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Utrangeringar1</span><span class=\"__11 _ed_3\"> </span><span class=\"ls0_11 ws0_11\">-141<span class=\"__11 _1a_7\"> </span></span>\u2013<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Omr\u00e4kningsdiff</span><span class=\"__11 _617\"/>erenser<span class=\"__11 _ee_4\"> </span><span class=\"ls0_11 ws0_11\">-57<span class=\"__11 _710\"> </span></span>37<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Anskaffningsv\u00e4r</span><span class=\"__11 _617\"/>de vid \u00e5rets slut<span class=\"__11 _690\"> </span>2 262<span class=\"__11 _b3_3\"> </span>2 116<span class=\"__11 _624\"> </span>Ackumulerade nedskrivningar vid \u00e5r<span class=\"__11 _617\"/>ets b\u00f6rjan<span class=\"__11 _b5_4\"> </span><span class=\"ls0_11 ws0_11\">-141<span class=\"__11 _702\"> </span>-141<span class=\"__11 _624\"> </span></span><span class=\"__11 _624\">Utrangeringar1</span><span class=\"__11 _ef_3\"> </span><span class=\"ls0_11 ws0_11\">141<span class=\"__11 _1a_7\"> </span></span>\u2013<span class=\"__11 _624\"> </span>Ackumulerade nedskrivningar vid \u00e5r<span class=\"__11 _617\"/>ets slut<span class=\"__11 _f0_4\"> </span>\u2013<span class=\"__11 _692\"> </span><span class=\"ls0_11 ws0_11\">-141<span class=\"__11 _624\"> </span></span>Summa<span class=\"__11 _f1_3\"> </span>2 262<span class=\"__11 _656\"> </span>1 975<span class=\"__11 _624\"> </span>1) A<span class=\"__11 _617\"/>vser Ryssland, se no<span class=\"__11 _617\"/>t K2.4 Summa nettoresulta<span class=\"__11 _617\"/>t av poster till verkligt v\u00e4r<span class=\"__11 _617\"/>de.<span class=\"__11 _624\"> </span>F\u00f6r\u00e4ndringar a<span class=\"__11 _617\"/>v progr<span class=\"__11 _617\"/>amvara, mn eur<span class=\"__11 _617\"/>o<span class=\"__11 _624\"> </span>31 dec 2022<span class=\"__11 _669\"> </span>31 dec 2021<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Anskaffningsv\u00e4r</span><span class=\"__11 _617\"/>de vid \u00e5rets b\u00f6rjan<span class=\"__11 _673\"> </span>2 794<span class=\"__11 _648\"> </span>2 580<span class=\"__11 _624\"> </span>Ink\u00f6p<span class=\"__11 _f2_3\"> </span>356<span class=\"__11 _694\"> </span>331<span class=\"__11 _624\"> </span>F\u00f6rs\u00e4ljningar<span class=\"__11 _617\"/>/utrangeringar<span class=\"__11 _f3_3\"> </span>-69<span class=\"__11 _6c_3\"> </span>-103<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Omr\u00e4kningsdiff</span><span class=\"__11 _617\"/>erenser<span class=\"__11 _f4_3\"> </span>-98<span class=\"__11 _b5_4\"> </span><span class=\"ls0_11 ws0_11\">-14<span class=\"__11 _624\"> </span></span><span class=\"__11 _624\">Anskaffningsv\u00e4r</span><span class=\"__11 _617\"/>de vid \u00e5rets slut<span class=\"__11 _676\"> </span>2 983<span class=\"__11 _648\"> </span>2 794<span class=\"__11 _624\"> </span>Ackumulerade a<span class=\"__11 _617\"/>vskrivningar vid \u00e5rets b\u00f6rjan<span class=\"__11 _b6_4\"> </span>-955<span class=\"__11 _684\"> </span>-698<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vskrivningar enligt plan<span class=\"__11 _f5_3\"> </span>-322<span class=\"__11 _6a_3\"> </span>-307<span class=\"__11 _624\"> </span>Ackumulerade a<span class=\"__11 _617\"/>vskrivningar p\u00e5 tillg\u00e5ngar som s\u00e5lts/utrangera<span class=\"__11 _617\"/>ts<span class=\"__11 _3d_5\"> </span>26<span class=\"__11 _a5_4\"> </span><span class=\"ls7_10 ws9_10\">48<span class=\"__11 _624\"> </span></span><span class=\"__11 _624\">Omr\u00e4kningsdiff</span><span class=\"__11 _617\"/>erenser<span class=\"__11 _6b_3\"> </span>40<span class=\"__11 _e1_3\"> </span>2<span class=\"__11 _624\"> </span>Ackumulerade a<span class=\"__11 _617\"/>vskrivningar vid \u00e5rets sl<span class=\"__11 _617\"/>ut<span class=\"__11 _e_10\"> </span>-<span class=\"__11 _617\"/>1 211<span class=\"__11 _6a_3\"> </span>-955<span class=\"__11 _624\"> </span>Ackumulerade nedskrivningar vid \u00e5r<span class=\"__11 _617\"/>ets b\u00f6rjan<span class=\"__11 _694\"> </span>-196<span class=\"__11 _692\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _626\"/>14<span class=\"__11 _624\"> </span></span>Ackumulerade nedskrivningar p\u00e5 tillg\u00e5ngar som s\u00e5lts/utranger<span class=\"__11 _617\"/>ats <span class=\"__11 _680\"> </span><span class=\"ls7_10 ws9_10\">43<span class=\"__11 _709\"> </span></span>55<span class=\"__11 _624\"> </span>Nedskrivningar<span class=\"__11 _aa_3\"> </span><span class=\"ls6_10 ws8_10\">-26<span class=\"__11 _694\"> </span></span>-40<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Omr\u00e4kningsdiff</span><span class=\"__11 _617\"/>erenser<span class=\"__11 _f6_3\"> </span>6<span class=\"__11 _bc_3\"> </span>3<span class=\"__11 _624\"> </span>Ackumulerade nedskrivningar vid \u00e5r<span class=\"__11 _617\"/>ets slut<span class=\"__11 _b1_3\"> </span><span class=\"ls0_11 ws0_11\">-173<span class=\"__11 _6c_3\"> </span></span>-196<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _f1_3\"> </span>1 599<span class=\"__11 _648\"> </span>1 64<span class=\"__11 _626\"/>3<span class=\"__11 _624\"> </span>155<span class=\"__11 _624\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__11 _624\"> </span>Inledning<span class=\"__11 _616\"> </span><span class=\"__11 _624\">Aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5den<span class=\"__11 _618\"/><span class=\"ws3_10\">V<span class=\"__11 _617\"/>\u00e5ra in<span class=\"__11 _617\"/>tressent<span class=\"__11 _617\"/>er<span class=\"__11 _619\"> </span><span class=\"ff1_11\">Finansiella rapporter<span class=\"__11 _620\"/><span class=\"ff2_11 ws2_10\">F\u00f6rvaltningsber<span class=\"__11 _617\"/>\u00e4ttelse<span class=\"__11 _621\"> </span>H\u00e5llbarhetsnoter<span class=\"__11 _622\"> </span>\u00d6vrigt<span class=\"__11 _623\"/><span class=\"ws3_10\">Strategisk r<span class=\"__11 _617\"/>apport<span class=\"__11 _624\"> </span></span></span></span></span>Materiella tillg\u00e5ngar<span class=\"__11 _624\"> </span>31 dec 2022<span class=\"__11 _643\"> </span>31 dec 2021<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _f7_3\"> </span>\u00c4gda tillg\u00e5ngar<span class=\"__11 _624\"> </span> Nyttjander\u00e4tt till<span class=\"__11 _624\"> </span> tillg\u00e5ngar<span class=\"__11 _6a_3\"> </span>Summa<span class=\"__11 _ba_4\"> </span>\u00c4gda tillg\u00e5ngar<span class=\"__11 _624\"> </span> Nyttjander\u00e4tt till<span class=\"__11 _624\"> </span> tillg\u00e5ngar<span class=\"__11 _661\"> </span>Summa<span class=\"__11 _624\"> </span>Inven<span class=\"__11 _617\"/>tarier<span class=\"__11 _f8_3\"> </span>344<span class=\"__11 _639\"> </span>5<span class=\"__11 _1a_7\"> </span>349<span class=\"__11 _dd_4\"> </span>363<span class=\"__11 _639\"> </span>6<span class=\"__11 _1d_7\"> </span>369<span class=\"__11 _624\"> </span>Mark och byggnader<span class=\"__11 _bd_4\"> </span><span class=\"ls13_9 ws1b_9\">72<span class=\"__11 _1a_7\"> </span></span>1 25<span class=\"__11 _626\"/>2<span class=\"__11 _a5_4\"> </span>1 324<span class=\"__11 _b8_3\"> </span><span class=\"ls0_11 ws0_11\">51<span class=\"__11 _bc_3\"> </span></span>1 325<span class=\"__11 _bc_3\"> </span>1 376<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _f9_3\"> </span>416<span class=\"__11 _bc_3\"> </span><span class=\"ls0_11 ws0_11\">1 257<span class=\"__11 _a5_4\"> </span></span>1 673<span class=\"__11 _dd_4\"> </span><span class=\"ls0_11 ws0_11\">414<span class=\"__11 _e1_3\"> </span></span>1 331<span class=\"__11 _bc_3\"> </span>1 7<span class=\"__11 _617\"/>45<span class=\"__11 _624\"> </span>Inven<span class=\"__11 _617\"/>tarier<span class=\"__11 _624\"> </span>Anskaffningsv\u00e4r<span class=\"__11 _617\"/>de vid \u00e5rets b\u00f6rjan<span class=\"__11 _fa_3\"> </span>1 343<span class=\"__11 _b8_3\"> </span><span class=\"ls0_11 ws0_11\">14<span class=\"__11 _a5_4\"> </span></span>1 357<span class=\"__11 _b7_4\"> </span>1 361<span class=\"__11 _e9_4\"> </span>33<span class=\"__11 _1a_7\"> </span>1 394<span class=\"__11 _624\"> </span>Ink\u00f6p<span class=\"__11 _fb_3\"> </span>63<span class=\"__11 _639\"> </span>3<span class=\"__11 _d7_3\"> </span>66<span class=\"__11 _fc_4\"> </span>33<span class=\"__11 _639\"> </span>3<span class=\"__11 _e9_4\"> </span>36<span class=\"__11 _624\"> </span>F\u00f6rs\u00e4ljningar<span class=\"__11 _617\"/>/utrangeringar<span class=\"__11 _f4_3\"> </span>-68<span class=\"__11 _fd_3\"> </span>-3<span class=\"__11 _629\"> </span><span class=\"lsd_9 ws14_10\">-71<span class=\"__11 _fe_3\"> </span></span>-47<span class=\"__11 _fe_3\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _626\"/>2<span class=\"__11 _a8_4\"> </span></span>-69<span class=\"__11 _624\"> </span>Omklassificeringar<span class=\"__11 _ff_3\"> </span>\u2013<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _c0_4\"> </span>\u2013<span class=\"__11 _fd_3\"> </span><span class=\"lsd_9 ws14_10\">-7<span class=\"__11 _639\"> </span></span>\u2013<span class=\"__11 _fd_3\"> </span><span class=\"lsd_9 ws14_10\">-7<span class=\"__11 _624\"> </span></span>Omr\u00e4kningsdiff<span class=\"__11 _617\"/>erenser<span class=\"__11 _7b_3\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _626\"/>9<span class=\"__11 _717\"> </span><span class=\"ls0_11 ws0_11\">-1<span class=\"__11 _c5_4\"> </span></span></span>-30<span class=\"__11 _b0_3\"> </span>3<span class=\"__11 _ab_3\"> </span>0<span class=\"__11 _639\"> </span>3<span class=\"__11 _624\"> </span>Anskaffningsv\u00e4r<span class=\"__11 _617\"/>de vid \u00e5rets slut<span class=\"__11 _718\"> </span>1 309<span class=\"__11 _b8_3\"> </span>13<span class=\"__11 _a7_4\"> </span>1 322<span class=\"__11 _1a_7\"> </span>1 343<span class=\"__11 _fc_4\"> </span><span class=\"ls0_11 ws0_11\">14<span class=\"__11 _bc_3\"> </span></span>1 357<span class=\"__11 _624\"> </span>Ackumulerade a<span class=\"__11 _617\"/>vskrivningar vid \u00e5rets b\u00f6rjan<span class=\"__11 _719\"> </span><span class=\"lse_9 ws15_10\">-97<span class=\"__11 _626\"/>2<span class=\"__11 _b8_3\"> </span></span>-8<span class=\"__11 _710\"> </span>-980<span class=\"__11 _e7_3\"> </span>-930<span class=\"__11 _f0_4\"> </span><span class=\"ls0_11 ws0_11\">-18<span class=\"__11 _e7_3\"> </span></span>-948<span class=\"__11 _624\"> </span>Ackumulerade a<span class=\"__11 _617\"/>vskrivningar p\u00e5 tillg\u00e5ngar som<span class=\"__11 _624\"> </span> s\u00e5lts/utrangera<span class=\"__11 _617\"/>ts<span class=\"__11 _720\"> </span>65<span class=\"__11 _639\"> </span>3<span class=\"__11 _d7_3\"> </span>68<span class=\"__11 _b8_3\"> </span>31<span class=\"__11 _b8_3\"> </span>19<span class=\"__11 _a6_4\"> </span>50<span class=\"__11 _624\"> </span>Omklassificeringar<span class=\"__11 _ff_3\"> </span>\u2013<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _c0_4\"> </span>\u2013<span class=\"__11 _639\"> </span>7<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _b0_3\"> </span>7<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vskrivningar enligt plan<span class=\"__11 _699\"> </span>-68<span class=\"__11 _fd_3\"> </span>-3<span class=\"__11 _c2_4\"> </span><span class=\"lsd_9 ws14_10\">-7<span class=\"__11 _626\"/>1<span class=\"__11 _fe_3\"> </span>-7<span class=\"__11 _626\"/>8<span class=\"__11 _fd_3\"> </span></span>-9<span class=\"__11 _a8_4\"> </span>-87<span class=\"__11 _624\"> </span>Omr\u00e4kningsdiff<span class=\"__11 _617\"/>erenser<span class=\"__11 _721\"> </span><span class=\"ls0_11 ws0_11\">17<span class=\"__11 _639\"> </span></span>0<span class=\"__11 _b9_4\"> </span><span class=\"ls0_11 ws0_11\">17<span class=\"__11 _fd_3\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _639\"> </span></span></span>0<span class=\"__11 _fd_3\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _624\"> </span></span>Ackumulerade a<span class=\"__11 _617\"/>vskrivningar vid \u00e5rets sl<span class=\"__11 _617\"/>ut<span class=\"__11 _d5_3\"> </span>-958<span class=\"__11 _b8_3\"> </span>-8<span class=\"__11 _709\"> </span>-966<span class=\"__11 _de_3\"> </span><span class=\"ls14_9 ws1c_9\">-97<span class=\"__11 _626\"/>2<span class=\"__11 _b8_3\"> </span></span>-8<span class=\"__11 _c5_4\"> </span>-980<span class=\"__11 _624\"> </span>Ackumulerade nedskrivningar vid \u00e5r<span class=\"__11 _617\"/>ets b\u00f6rjan<span class=\"__11 _667\"> </span>-8<span class=\"__11 _6f_3\"> </span>\u2013<span class=\"__11 _b9_4\"> </span>-8<span class=\"__11 _722\"> </span><span class=\"lsd_9 ws14_10\">-7<span class=\"__11 _ab_3\"> </span></span>\u2013<span class=\"__11 _723\"> </span><span class=\"lsd_9 ws14_10\">-7<span class=\"__11 _624\"> </span></span>Ackumulerade nedskrivningar p\u00e5 tillg\u00e5ngar s<span class=\"__11 _617\"/>om<span class=\"__11 _624\"> </span> s\u00e5lts/utrangera<span class=\"__11 _617\"/>ts <span class=\"__11 _8e_3\"> </span>\u2013<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _c0_4\"> </span>\u2013<span class=\"__11 _b8_3\"> </span>12<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _b8_3\"> </span>12<span class=\"__11 _624\"> </span>Nedskrivningar<span class=\"__11 _617\"/>, netto<span class=\"__11 _ef_3\"> </span>\u2013<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _724\"> </span>\u2013<span class=\"__11 _f0_4\"> </span><span class=\"ls0_11 ws0_11\">-13<span class=\"__11 _ab_3\"> </span></span>\u2013<span class=\"__11 _724\"> </span><span class=\"ls0_11 ws0_11\">-13<span class=\"__11 _624\"> </span></span>Omr\u00e4kningsdiff<span class=\"__11 _617\"/>erenser<span class=\"__11 _c7_3\"> </span>1<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _e9_4\"> </span>1<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _624\"> </span>Ackumulerade nedskrivningar vid \u00e5r<span class=\"__11 _617\"/>ets slut<span class=\"__11 _725\"> </span><span class=\"ls15_9 ws1d_9\">-7<span class=\"__11 _ab_3\"> </span></span>\u2013<span class=\"__11 _726\"> </span><span class=\"ls15_9 ws1d_9\">-7<span class=\"__11 _b8_3\"> </span></span>-8<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _b8_3\"> </span>-8<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _10a_3\"> </span>344<span class=\"__11 _639\"> </span>5<span class=\"__11 _1a_7\"> </span>349<span class=\"__11 _1d_7\"> </span>363<span class=\"__11 _639\"> </span>6<span class=\"__11 _1f_7\"> </span>369<span class=\"__11 _624\"> </span>Mark och byggnader<span class=\"__11 _624\"> </span>Anskaffningsv\u00e4r<span class=\"__11 _617\"/>de vid \u00e5rets b\u00f6rjan<span class=\"__11 _10b_3\"> </span>55<span class=\"__11 _b7_4\"> </span><span class=\"ls7_10 ws9_10\">1 777<span class=\"__11 _a7_4\"> </span></span>1 832<span class=\"__11 _b8_3\"> </span><span class=\"ls0_11 ws0_11\">51<span class=\"__11 _c5_4\"> </span><span class=\"lsc_10 ws13_10\">1<span class=\"__11 _626\"/> 7<span class=\"__11 _708\"/>74<span class=\"__11 _bc_3\"> </span></span></span>1 825<span class=\"__11 _624\"> </span>Ink\u00f6p<span class=\"__11 _10c_3\"> </span>12<span class=\"__11 _a6_4\"> </span>84<span class=\"__11 _1b_7\"> </span>96<span class=\"__11 _719\"> </span>1<span class=\"__11 _a6_4\"> </span>54<span class=\"__11 _e9_4\"> </span>55<span class=\"__11 _624\"> </span>F\u00f6rs\u00e4ljningar<span class=\"__11 _617\"/>/utrangeringar<span class=\"__11 _680\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _a8_4\"> </span></span>-34<span class=\"__11 _e7_3\"> </span>-36<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _b9_4\"> </span>-49<span class=\"__11 _726\"> </span>-49<span class=\"__11 _624\"> </span>Omklassificeringar<span class=\"__11 _10d_3\"> </span>12<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _dd_4\"> </span>12<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _624\"> </span>Omr\u00e4kningsdiff<span class=\"__11 _617\"/>erenser<span class=\"__11 _10e_3\"> </span><span class=\"ls0_11 ws0_11\">-1<span class=\"__11 _fe_3\"> </span><span class=\"ls6_10 ws8_10\">-24<span class=\"__11 _631\"> </span>-25<span class=\"__11 _b0_3\"> </span></span></span>3<span class=\"__11 _fd_3\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _719\"> </span></span>1<span class=\"__11 _624\"> </span>Anskaffningsv\u00e4r<span class=\"__11 _617\"/>de vid \u00e5rets slut<span class=\"__11 _10f_3\"> </span><span class=\"ls0_11 ws0_11\">76<span class=\"__11 _a4_3\"> </span></span>1 803<span class=\"__11 _727\"> </span>1 879<span class=\"__11 _e9_4\"> </span>55<span class=\"__11 _e1_3\"> </span><span class=\"ls7_10 ws9_10\">1 777<span class=\"__11 _1a_7\"> </span></span>1 832<span class=\"__11 _624\"> </span>Ackumulerade a<span class=\"__11 _617\"/>vskrivningar vid \u00e5rets b\u00f6rjan<span class=\"__11 _725\"> </span><span class=\"ls7_10 ws9_10\">-4<span class=\"__11 _e7_3\"> </span>-438<span class=\"__11 _710\"> </span></span>-442<span class=\"__11 _fd_3\"> </span>-3<span class=\"__11 _c2_4\"> </span>-307<span class=\"__11 _629\"> </span>-310<span class=\"__11 _624\"> </span>Ackumulerade a<span class=\"__11 _617\"/>vskrivningar p\u00e5 tillg\u00e5ngar som<span class=\"__11 _624\"> </span> s\u00e5lts/utrangera<span class=\"__11 _617\"/>ts <span class=\"__11 _8e_3\"> </span>\u2013<span class=\"__11 _a6_4\"> </span>34<span class=\"__11 _1f_7\"> </span>34<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _e9_4\"> </span>26<span class=\"__11 _e9_4\"> </span>26<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vskrivningar enligt plan<span class=\"__11 _7b_3\"> </span>\u2013<span class=\"__11 _c2_4\"> </span><span class=\"ls0_11 ws0_11\">-144<span class=\"__11 _b1_3\"> </span>-144<span class=\"__11 _ab_3\"> </span></span>\u2013<span class=\"__11 _d7_3\"> </span><span class=\"ls0_11 ws0_11\">-157<span class=\"__11 _d7_3\"> </span>-157<span class=\"__11 _624\"> </span></span>Omr\u00e4kningsdiff<span class=\"__11 _617\"/>erenser<span class=\"__11 _643\"> </span>\u2013<span class=\"__11 _639\"> </span>9<span class=\"__11 _c0_4\"> </span>9<span class=\"__11 _717\"> </span><span class=\"ls0_11 ws0_11\">-1<span class=\"__11 _639\"> </span></span>0<span class=\"__11 _723\"> </span><span class=\"ls0_11 ws0_11\">-1<span class=\"__11 _624\"> </span></span>Ackumulerade a<span class=\"__11 _617\"/>vskrivningar vid \u00e5rets sl<span class=\"__11 _617\"/>ut<span class=\"__11 _728\"> </span><span class=\"ls7_10 ws9_10\">-4<span class=\"__11 _631\"> </span></span>-539<span class=\"__11 _686\"> </span>-543<span class=\"__11 _b8_3\"> </span><span class=\"ls7_10 ws9_10\">-4<span class=\"__11 _c5_4\"> </span>-438<span class=\"__11 _c5_4\"> </span></span>-<span class=\"__11 _626\"/>442<span class=\"__11 _624\"> </span>Ackumulerade nedskrivningar vid \u00e5r<span class=\"__11 _617\"/>ets b\u00f6rjan<span class=\"__11 _5c_3\"> </span>\u2013<span class=\"__11 _fe_3\"> </span><span class=\"ls0_11 ws0_11\">-14<span class=\"__11 _de_3\"> </span>-14<span class=\"__11 _ab_3\"> </span></span>\u2013<span class=\"__11 _fe_3\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _626\"/>3<span class=\"__11 _fe_3\"> </span>-2<span class=\"__11 _626\"/>3<span class=\"__11 _624\"> </span></span>Ackumulerade nedskrivningar p\u00e5 tillg\u00e5ngar s<span class=\"__11 _617\"/>om<span class=\"__11 _624\"> </span> s\u00e5lts/utrangera<span class=\"__11 _617\"/>ts<span class=\"__11 _729\"> </span>\u2013<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _724\"> </span>\u2013<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _730\"> </span>16<span class=\"__11 _730\"> </span>16<span class=\"__11 _624\"> </span>Nedskrivningar<span class=\"__11 _617\"/>, netto<span class=\"__11 _ef_3\"> </span>\u2013<span class=\"__11 _b0_3\"> </span>1<span class=\"__11 _fc_4\"> </span>1<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _ab_3\"> </span>6<span class=\"__11 _639\"> </span>6<span class=\"__11 _624\"> </span>Omr\u00e4kningsdiff<span class=\"__11 _617\"/>erenser<span class=\"__11 _643\"> </span>\u2013<span class=\"__11 _719\"> </span>1<span class=\"__11 _a6_4\"> </span>1<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _717\"> </span><span class=\"ls0_11 ws0_11\">-1<span class=\"__11 _723\"> </span>-1<span class=\"__11 _624\"> </span></span>Ackumulerade nedskrivningar vid \u00e5r<span class=\"__11 _617\"/>ets slut<span class=\"__11 _731\"> </span>\u2013<span class=\"__11 _f0_4\"> </span><span class=\"ls0_11 ws0_11\">-12<span class=\"__11 _de_3\"> </span>-1<span class=\"__11 _626\"/>2<span class=\"__11 _ab_3\"> </span></span>\u2013<span class=\"__11 _fe_3\"> </span><span class=\"ls0_11 ws0_11\">-14<span class=\"__11 _a8_4\"> </span>-14<span class=\"__11 _624\"> </span></span>Summa<span class=\"__11 _c1_3\"> </span><span class=\"ls13_9 ws1b_9\">72<span class=\"__11 _1a_7\"> </span></span>1 252<span class=\"__11 _a5_4\"> </span>1 32<span class=\"__11 _617\"/>4<span class=\"__11 _730\"> </span><span class=\"ls0_11 ws0_11\">51<span class=\"__11 _1a_7\"> </span></span>1 32<span class=\"__11 _626\"/>5<span class=\"__11 _1a_7\"> </span>1 376<span class=\"__11 _624\"> </span>K5.2  Materiella tillg\u00e5ngar, f<span class=\"__11 _617\"/>orts.<span class=\"__11 _624\"> </span>V<span class=\"__11 _625\"/>arje balansdag pr\u00f6var Nordea om det \ufb01nns indika<span class=\"__11 _617\"/>tioner p\u00e5<span class=\"__11 _624\"> </span> nedskrivningsbehov f<span class=\"__11 _617\"/>\u00f6r en materiell tillg\u00e5ng. Om s\u00e5dana indi-<span class=\"__11 _624\"> </span>kationer \ufb01nns g\u00f6rs en bed\u00f6mning a<span class=\"__11 _617\"/>v tillg\u00e5ngens \u00e5tervin-<span class=\"__11 _624\"> </span>ningsv\u00e4rde och ev<span class=\"__11 _617\"/>entuell nedskrivning g\u00f6rs.<span class=\"__11 _624\"> </span>Nedskrivningar \u00e5terf<span class=\"__11 _617\"/>\u00f6rs om \u00e5tervinningsv\u00e4rdet \u00f6kar<span class=\"__11 _625\"/>. Det<span class=\"__11 _624\"> </span> redovisade v<span class=\"__11 _617\"/>\u00e4rdet \u00f6kas d\u00e5 till \u00e5t<span class=\"__11 _617\"/>ervinningsv\u00e4rdet, men kan<span class=\"__11 _624\"> </span> inte \u00f6<span class=\"__11 _617\"/>verstiga vad det r<span class=\"__11 _617\"/>edovisade v<span class=\"__11 _617\"/>\u00e4rdet varit om en nedskriv<span class=\"ws3_10\">-<span class=\"__11 _624\"> </span></span>ning inte r<span class=\"__11 _617\"/>edovisats i f<span class=\"__11 _617\"/>\u00f6rsta l\u00e4get.<span class=\"__11 _624\"> </span>156<span class=\"__11 _624\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__11 _624\"> </span>Inledning<span class=\"__11 _616\"> </span><span class=\"__11 _624\">Aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5den<span class=\"__11 _618\"/><span class=\"ws3_10\">V<span class=\"__11 _617\"/>\u00e5ra in<span class=\"__11 _617\"/>tressent<span class=\"__11 _617\"/>er<span class=\"__11 _619\"> </span><span class=\"ff1_11\">Finansiella rapporter<span class=\"__11 _620\"/><span class=\"ff2_11 ws2_10\">F\u00f6rvaltningsber<span class=\"__11 _617\"/>\u00e4ttelse<span class=\"__11 _621\"> </span>H\u00e5llbarhetsnoter<span class=\"__11 _622\"> </span>\u00d6vrigt<span class=\"__11 _623\"/><span class=\"ws3_10\">Strategisk r<span class=\"__11 _617\"/>apport<span class=\"__11 _624\"> </span></span></span></span></span>K5.3 F<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _625\"/>astigheter<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>En f\u00f6rvaltningsf<span class=\"__11 _617\"/>astighet \u00e4r en f<span class=\"__11 _617\"/>astighet (mark ell<span class=\"__11 _617\"/>er byggnad \u2013 eller delar av b<span class=\"__11 _617\"/>yggnad \u2013 eller b\u00e5da) som innehas i syfte att generera h<span class=\"__11 _617\"/>yresinkoms<span class=\"__11 _617\"/>ter och/<span class=\"__11 _617\"/>eller v\u00e4r<span class=\"__11 _617\"/>destegring, och all<span class=\"__11 _617\"/>ts\u00e5 inte f<span class=\"__11 _617\"/>\u00f6r eget utnyttjande i den or<span class=\"__11 _617\"/>dinarie verksamheten. F\u00f6rvaltningsf<span class=\"__11 _617\"/>as<span class=\"__11 _617\"/>tigheter redovisas i balansr<span class=\"__11 _617\"/>\u00e4kningen n\u00e4r det \u00e4r sannolikt a<span class=\"__11 _617\"/>tt de fram<span class=\"__11 _617\"/>tida ekonomiska f<span class=\"__11 _617\"/>\u00f6rdelarna tillf<span class=\"__11 _617\"/>al-<span class=\"__11 _624\"> </span>ler Nordea och kostnaderna f<span class=\"__11 _617\"/>\u00f6r f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheten kan ber\u00e4knas p\u00e5 ett tillf<span class=\"__11 _617\"/>\u00f6rlitligt s\u00e4tt.<span class=\"__11 _624\"> </span>En f\u00f6rvaltningsf<span class=\"__11 _617\"/>astighet v<span class=\"__11 _617\"/>\u00e4rder<span class=\"__11 _617\"/>as vid f\u00f6rsta r<span class=\"__11 _617\"/>edovisnings-<span class=\"__11 _624\"> </span>tillf\u00e4llet till anska<span class=\"__11 _617\"/><span class=\"__11 _624\">ffningsv\u00e4r</span><span class=\"__11 _617\"/>det, inklusive transak<span class=\"__11 _617\"/>tionskostna<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>der<span class=\"__11 _625\"/><span class=\"__11 _624\">. Anskaffningsv\u00e4r</span><span class=\"__11 _617\"/>det f\u00f6r en f<span class=\"__11 _617\"/>\u00f6rv\u00e4rvad f<span class=\"__11 _617\"/>\u00f6rvaltningsfas<span class=\"__11 _617\"/>tighet utg\u00f6rs av k<span class=\"__11 _617\"/>\u00f6peskilling och kostnader dir<span class=\"__11 _617\"/>ekt h\u00e4n<span class=\"__11 _617\"/>f\u00f6rliga till k\u00f6pet. Exempel p\u00e5 kostnader dir<span class=\"__11 _617\"/>ekt h\u00e4n<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>\u00f6rliga till k\u00f6pet \u00e4r arvoden f\u00f6r juridiska tj\u00e4ns<span class=\"__11 _617\"/>ter<span class=\"__11 _625\"/>, st\u00e4mpelskatter och \u00f6vriga transak<span class=\"__11 _617\"/>tionskostnader<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Nordea anv<span class=\"__11 _617\"/>\u00e4nder verkligt v\u00e4r<span class=\"__11 _617\"/>de-modellen f\u00f6r v<span class=\"__11 _617\"/>\u00e4rdering a<span class=\"__11 _617\"/>v f\u00f6rvaltningsf<span class=\"__11 _617\"/>astighet<span class=\"__11 _617\"/>er<span class=\"__11 _625\"/>. B\u00e4sta beviset p\u00e5 verkligt v\u00e4r<span class=\"__11 _617\"/>de \u00e4r normalt noter<span class=\"__11 _617\"/>ade priser p\u00e5 en ak<span class=\"__11 _617\"/>tiv marknad f\u00f6r liknande fas<span class=\"__11 _617\"/>tigheter med samma l\u00e4ge och i samma skick. D\u00e5 noterade priser p\u00e5 en aktiv marknad o<span class=\"__11 _617\"/>ftast saknas, anv<span class=\"__11 _617\"/>\u00e4nds \u00e4<span class=\"__11 _617\"/>ven modeller baserade p\u00e5 diskon<span class=\"__11 _617\"/>ter<span class=\"__11 _617\"/>ade kassafl\u00f6desprognoser som bygger p\u00e5 tillf<span class=\"__11 _617\"/>\u00f6rlitliga uppskattningar a<span class=\"__11 _625\"/>v framtida kassa<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>fl\u00f6den. V<span class=\"__11 _617\"/>\u00e4rderingen till v<span class=\"__11 _617\"/>erkligt v\u00e4rde a<span class=\"__11 _617\"/>v f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astighe-<span class=\"__11 _624\"> </span>ter tar h\u00e4nsyn till en marknadsak<span class=\"__11 _617\"/>t\u00f6rs f\u00f6rm\u00e5ga a<span class=\"__11 _617\"/>tt generera ekonomiska f<span class=\"__11 _617\"/>\u00f6rdelar genom att an<span class=\"__11 _617\"/>v\u00e4nda f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astig-<span class=\"__11 _624\"> </span>heterna p\u00e5 det maximala och b\u00e4sta s\u00e4<span class=\"__11 _617\"/>ttet, det vill s\u00e4ga tar h\u00e4nsyn till den anv\u00e4ndning a<span class=\"__11 _617\"/>v f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheterna som \u00e4r fysiskt m\u00f6jlig, lagligen till\u00e5<span class=\"__11 _617\"/>ten och \ufb01nansiellt genom<span class=\"__11 _617\"/>f\u00f6rbar<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Driftsnetto, rea<span class=\"__11 _617\"/>vins<span class=\"__11 _617\"/>ter och reaf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter liksom just<span class=\"__11 _617\"/>eringar till verkligt v\u00e4r<span class=\"__11 _617\"/>de redovisas direk<span class=\"__11 _617\"/>t i re<span class=\"__11 _617\"/>sultatr<span class=\"__11 _617\"/>\u00e4kningen som \u201dNettoresult<span class=\"__11 _617\"/>at a<span class=\"__11 _617\"/>v poster till v<span class=\"__11 _617\"/>erkligt v\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>F\u00f6rvaltningsf<span class=\"__11 _617\"/>as<span class=\"__11 _617\"/>tigheter v\u00e4rder<span class=\"__11 _617\"/>as till verkligt v<span class=\"__11 _617\"/>\u00e4rde utifr<span class=\"__11 _617\"/>\u00e5n de tre niv\u00e5erna i IFRS-hier<span class=\"__11 _617\"/>arkin f\u00f6r v<span class=\"__11 _617\"/>erkligt v\u00e4rde. Hier<span class=\"__11 _617\"/>arkin ger h\u00f6gst prioritet till not<span class=\"__11 _617\"/>erade priser (<span class=\"__11 _617\"/>ojuster<span class=\"__11 _617\"/>ade) p\u00e5 ak<span class=\"__11 _617\"/>tiva marknader f\u00f6r iden<span class=\"__11 _617\"/>tiska f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheter (niv\u00e5 1) och l\u00e4gst prioritet till ej observerbar indat<span class=\"__11 _617\"/>a (niv\u00e5 3). Klassi\ufb01ce-<span class=\"__11 _624\"> </span>ringen av f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astighet<span class=\"__11 _617\"/>erna baseras p\u00e5 den l\u00e4gst<span class=\"__11 _617\"/>a niv\u00e5 indata s<span class=\"__11 _617\"/>om \u00e4r v\u00e4sen<span class=\"__11 _617\"/>tlig f\u00f6r v<span class=\"__11 _617\"/>erkligt v\u00e4rde-v<span class=\"__11 _617\"/>\u00e4rderingen i sin helhet.<span class=\"__11 _624\"> </span>F\u00f6r ytt<span class=\"__11 _617\"/>erligare inf<span class=\"__11 _617\"/>ormation om uppska<span class=\"__11 _617\"/>ttning a<span class=\"__11 _617\"/>v verkligt v\u00e4rde och v<span class=\"__11 _617\"/>erkligt v\u00e4rde-hier<span class=\"__11 _617\"/>arkin, se not K3.4 \u201dV<span class=\"__11 _625\"/>erkligt v\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span> Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__11 _617\"/>ttningar<span class=\"__11 _624\"> </span>F\u00f6rvaltningsf<span class=\"__11 _617\"/>as<span class=\"__11 _617\"/>tigheter v\u00e4rder<span class=\"__11 _617\"/>as till verkligt v<span class=\"__11 _617\"/>\u00e4rde. Eftersom det normalt int<span class=\"__11 _617\"/>e \ufb01nns n\u00e5gra ak<span class=\"__11 _617\"/>tiva marknader f<span class=\"__11 _617\"/>\u00f6r f\u00f6rval<span class=\"__11 _617\"/>t-<span class=\"__11 _624\"> </span>ningsfas<span class=\"__11 _617\"/>tigheter estimer<span class=\"__11 _617\"/>as verkligt v\u00e4r<span class=\"__11 _617\"/>de med hj\u00e4lp av modeller baserade p\u00e5 diskon<span class=\"__11 _617\"/>ter<span class=\"__11 _617\"/>ade kassafl\u00f6den. Dessa modeller bygger p\u00e5 an<span class=\"__11 _617\"/>taganden om fr<span class=\"__11 _617\"/>amtida h<span class=\"__11 _617\"/>yror<span class=\"__11 _625\"/>, bel\u00e4gg-<span class=\"__11 _624\"> </span>ning, drifts- och underh\u00e5llskostnader<span class=\"__11 _625\"/>, avkastningskr<span class=\"__11 _617\"/>a<span class=\"__11 _617\"/>v och r\u00e4n<span class=\"__11 _617\"/>teniv\u00e5er<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Det redovisade v<span class=\"__11 _617\"/>\u00e4rdet p\u00e5 f<span class=\"__11 _617\"/>\u00f6rvaltningsfas<span class=\"__11 _617\"/>tigheter uppgick <span class=\"__11 _624\">vid \u00e5rets slut till 3 146 mn eur</span><span class=\"__11 _617\"/>o (2 366 mn euro).<span class=\"__11 _624\"> </span>F\u00f6rval<span class=\"__11 _617\"/>tningsf<span class=\"__11 _617\"/>astigheter<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _8c_3\"> </span>31 dec 2022<span class=\"__11 _8d_3\"> </span>31 dec 2021<span class=\"__11 _624\"> </span>Redovisat v<span class=\"__11 _617\"/>\u00e4rde vid \u00e5rets b\u00f6rjan<span class=\"__11 _732\"> </span><span class=\"ls0_11 ws0_11\">1 764<span class=\"__11 _5a_3\"> </span></span>1 535<span class=\"__11 _624\"> </span>Ink\u00f6p<span class=\"__11 _733\"> </span>735<span class=\"__11 _684\"> </span>280<span class=\"__11 _624\"> </span>F\u00f6rs\u00e4ljningar<span class=\"__11 _662\"> </span>-9<span class=\"__11 _a7_4\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _624\"> </span></span>Justeringar till verkligt v<span class=\"__11 _617\"/>\u00e4rde<span class=\"__11 _734\"> </span><span class=\"ls0_11 ws0_11\">57<span class=\"__11 _692\"> </span></span>133<span class=\"__11 _624\"> </span>\u00d6verf\u00f6ringar<span class=\"__11 _617\"/>/<span class=\"__11 _617\"/>omklassi\ufb01ceringar<span class=\"__11 _677\"> </span><span class=\"ls0_11 ws0_11\">-12<span class=\"__11 _648\"> </span></span>-204<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Omr\u00e4kningsdiff</span><span class=\"__11 _617\"/>erenser<span class=\"__11 _681\"> </span>-80<span class=\"__11 _735\"> </span>22<span class=\"__11 _624\"> </span>Redovisa<span class=\"__11 _617\"/>t v\u00e4rde vid \u00e5rets sl<span class=\"__11 _617\"/>ut<span class=\"__11 _736\"> </span>2 455<span class=\"__11 _646\"> </span><span class=\"ls0_11 ws0_11\">1<span class=\"__11 _626\"/> 764<span class=\"__11 _624\"> </span></span>Belopp redovisade i re<span class=\"__11 _617\"/>sulta<span class=\"__11 _617\"/>tr\u00e4kningen<span class=\"__11 _624\"> </span>1<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _11a_4\"> </span>2022<span class=\"__11 _b3_3\"> </span>2021<span class=\"__11 _624\"> </span>Justeringar till verkligt v<span class=\"__11 _617\"/><span class=\"__11 _624\">\u00e4rde2</span><span class=\"__11 _715\"> </span><span class=\"lsd_9 ws14_10\">-76<span class=\"__11 _702\"> </span><span class=\"ls0_11 ws0_11\">1<span class=\"__11 _626\"/>51<span class=\"__11 _624\"> </span></span></span>Hyresint\u00e4k<span class=\"__11 _617\"/>ter<span class=\"__11 _11b_4\"> </span>63<span class=\"__11 _694\"> </span>59<span class=\"__11 _624\"> </span>Direkta r<span class=\"__11 _617\"/>\u00f6relsekos<span class=\"__11 _617\"/>tnader som generera<span class=\"__11 _617\"/>t hyresin<span class=\"__11 _617\"/>t\u00e4kter<span class=\"__11 _a0_3\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _626\"/>8<span class=\"__11 _634\"> </span><span class=\"ls0_11 ws0_11\">-1<span class=\"__11 _626\"/>2<span class=\"__11 _624\"> </span></span></span>Direkta r<span class=\"__11 _617\"/>\u00f6relsekos<span class=\"__11 _617\"/>tnader som inte gener<span class=\"__11 _617\"/>erat hyresin<span class=\"__11 _617\"/>t\u00e4kter<span class=\"__11 _cf_3\"> </span>0<span class=\"__11 _a5_4\"> </span><span class=\"lsd_9 ws14_10\">-7<span class=\"__11 _624\"> </span></span>Summa <span class=\"__11 _11c_4\"> </span>-41<span class=\"__11 _692\"> </span>191<span class=\"__11 _624\"> </span>1)  Ing\u00e5r i \u201dNettoresultat a<span class=\"__11 _617\"/>v poster till verkligt v<span class=\"__11 _617\"/>\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>2)   <span class=\"__11 _e4_3\"/>Innefattar \u00e4<span class=\"__11 _617\"/>ven justeringar till verkligt v<span class=\"__11 _617\"/>\u00e4rde av f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheter som redovisas som \u201dTillg\u00e5ngar och inl\u00e5ning i placeringsportf\u00f6ljer och fondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal\u201d i balansr\u00e4kningen.<span class=\"__11 _624\"> </span>Klassi\ufb01cering enligt hierarkin f<span class=\"__11 _617\"/>\u00f6r verkligt v<span class=\"__11 _617\"/>\u00e4rde<span class=\"__11 _624\"> </span>Alla f\u00f6rvaltningsf<span class=\"__11 _617\"/>astighet<span class=\"__11 _617\"/>er i Nordea h\u00e4nf<span class=\"__11 _617\"/>\u00f6rs till niv\u00e5 3 i hie-<span class=\"__11 _624\"> </span>rarkin f<span class=\"__11 _617\"/>\u00f6r verkligt v\u00e4r<span class=\"__11 _617\"/>de. Det verkliga v\u00e4r<span class=\"__11 _617\"/>det p\u00e5 dessa f\u00f6rval<span class=\"__11 _617\"/>t-<span class=\"__11 _624\"> </span>ningsfas<span class=\"__11 _617\"/>tigheter redovisas i t<span class=\"__11 _617\"/>abellen nedan.<span class=\"__11 _624\"> </span>Niv\u00e5 3 \u2013 V<span class=\"__11 _617\"/>erkligt v\u00e4rde p\u00e5 f\u00f6rvaltningsf<span class=\"__11 _617\"/><span class=\"__11 _624\">astigheter1, mn euro  </span>31 dec 2022<span class=\"__11 _624\"> </span>31 dec 2021<span class=\"__11 _624\"> </span>F\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheter<span class=\"__11 _11d_4\"> </span>2 455<span class=\"__11 _6c_3\"> </span><span class=\"ls0_11 ws0_11\">1<span class=\"__11 _626\"/> 764<span class=\"__11 _624\"> </span></span>- vara<span class=\"__11 _617\"/>v Life &amp; P<span class=\"__11 _617\"/>ension<span class=\"__11 _11e_4\"> </span>2 454<span class=\"__11 _692\"> </span>1 763<span class=\"__11 _624\"> </span>F\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheter i placeringsportf\u00f6ljer och fondf<span class=\"__11 _617\"/><span class=\"__11 _624\">\u00f6rs\u00e4kringsavtal2</span><span class=\"__11 _711\"> </span>691<span class=\"__11 _727\"> </span>602<span class=\"__11 _624\"> </span>- vara<span class=\"__11 _617\"/>v Life &amp; P<span class=\"__11 _617\"/>ension<span class=\"__11 _688\"> </span>691<span class=\"__11 _a7_4\"> </span>602<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _10d_3\"> </span>3 146<span class=\"__11 _684\"> </span>2 366<span class=\"__11 _624\"> </span>1)  Samtliga poster v\u00e4r<span class=\"__11 _617\"/>deras till verkligt v\u00e4r<span class=\"__11 _617\"/>de vid slutet av v<span class=\"__11 _617\"/>arje rapportperiod.<span class=\"__11 _624\"> </span>2) F\u00f6r ytterligare in<span class=\"__11 _617\"/>formation, s<span class=\"__11 _617\"/>e not K3.<span class=\"__11 _617\"/>11 \u201dTillg\u00e5ngar och inl\u00e5ning i placeringsportf<span class=\"__11 _617\"/>\u00f6ljer och fondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>F<span class=\"__11 _617\"/>astst\u00e4llande a<span class=\"__11 _625\"/>v verkligt v\u00e4rde<span class=\"__11 _624\"> </span>Vid v\u00e4rderingen a<span class=\"__11 _617\"/>v f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheterna tas ocks\u00e5 h\u00e4n-<span class=\"__11 _624\"> </span>syn till fas<span class=\"__11 _617\"/>tighetens syfte och art genom att till\u00e4mpa den l\u00e4mpligaste v<span class=\"__11 _617\"/>\u00e4rderingsmetoden. Den vanligas<span class=\"__11 _617\"/>te v\u00e4r<span class=\"__11 _617\"/>derings-<span class=\"__11 _624\"> </span>metoden \u00e4r en modell f\u00f6r disk<span class=\"__11 _617\"/>ont<span class=\"__11 _617\"/>erat kassa<span class=\"__11 _617\"/>fl\u00f6de som anv<span class=\"__11 _617\"/>\u00e4n-<span class=\"__11 _624\"> </span>der aktuella kassa<span class=\"__11 _617\"/>fl\u00f6den, marknadsr\u00e4n<span class=\"__11 _617\"/>tor och aktuell a<span class=\"__11 _625\"/>vkast-<span class=\"__11 _624\"> </span>ning. V<span class=\"__11 _617\"/>erkligt v\u00e4r<span class=\"__11 _617\"/>de ber\u00e4knas a<span class=\"__11 _617\"/>v<span class=\"__11 _625\"/>, eller parametrarna i model-<span class=\"__11 _624\"> </span>lerna erh\u00e5lls fr\u00e5n, e<span class=\"__11 _617\"/>xterna ober<span class=\"__11 _617\"/>oende v\u00e4rderingspersoner f<span class=\"__11 _617\"/>\u00f6r 7<span class=\"__11 _625\"/><span class=\"__11 _624\">4 procent (84 procen</span><span class=\"__11 _617\"/>t) a<span class=\"__11 _617\"/>v det verkliga v<span class=\"__11 _617\"/>\u00e4rdet f<span class=\"__11 _617\"/>\u00f6r f\u00f6rval<span class=\"__11 _617\"/>t-<span class=\"__11 _624\"> </span>ningsfas<span class=\"__11 _617\"/>tigheter i balansr\u00e4kningen.<span class=\"__11 _624\"> </span>F<span class=\"__11 _617\"/>\u00f6r\u00e4ndringar i niv\u00e5 3<span class=\"__11 _624\"> </span>T<span class=\"__11 _625\"/>abellerna nedan visar f\u00f6r<span class=\"__11 _617\"/>\u00e4ndringar i niv\u00e5 3. Orealiser<span class=\"__11 _617\"/>ade vin-<span class=\"__11 _624\"> </span>ster och f<span class=\"__11 _617\"/>\u00f6rlust<span class=\"__11 _617\"/>er avs<span class=\"__11 _617\"/>er de f\u00f6rvaltningsf<span class=\"__11 _617\"/>as<span class=\"__11 _617\"/>tigheter som inne-<span class=\"__11 _624\"> </span>hades vid utg\u00e5ngen a<span class=\"__11 _617\"/>v \u00e5ret. Vinster och f<span class=\"__11 _617\"/>\u00f6rluster r<span class=\"__11 _617\"/>edovisade i resulta<span class=\"__11 _617\"/>tr\u00e4kningen under \u00e5ret ing\u00e5r i  <span class=\"__11 _eb_3\"/>post<span class=\"__11 _617\"/>en \u201dNettoresul<span class=\"__11 _617\"/>tat a<span class=\"__11 _617\"/>v poster till verkligt v<span class=\"__11 _617\"/>\u00e4rde\u201d (se no<span class=\"__11 _617\"/>t K2.4 \u201dSumma nettoresul<span class=\"__11 _617\"/>tat av pos<span class=\"__11 _617\"/>ter till verkligt v<span class=\"__11 _617\"/>\u00e4rde\u201d)<div class=\"t_11 m0_11 h1_11 ff1_11 fs0_11 fc0_11 sc0_11 ls0_11 ws0_11\" style=\"left:655.98596px; bottom:2.1012287px;\">157<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h2_11 ff2_11 fs1_10 fc0_11 sc0_11 ls1_11 ws1_11\" style=\"left:497.5244px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h3_10 ff2_11 fs1_10 fc0_11 sc0_11 ls2_10 ws2_10\" style=\"left:4.2144775px; bottom:1029.1447px;\">Inledning<span class=\"__11 _616\"> </span><span class=\"__11 _624\">Aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5den<span class=\"__11 _618\"/><span class=\"ws3_10\">V<span class=\"__11 _617\"/>\u00e5ra in<span class=\"__11 _617\"/>tressent<span class=\"__11 _617\"/>er<span class=\"__11 _619\"> </span><span class=\"ff1_11\">Finansiella rapporter<span class=\"__11 _620\"/><span class=\"ff2_11 ws2_10\">F\u00f6rvaltningsber<span class=\"__11 _617\"/>\u00e4ttelse<span class=\"__11 _621\"> </span>H\u00e5llbarhetsnoter<span class=\"__11 _622\"> </span>\u00d6vrigt<span class=\"__11 _623\"/><span class=\"ws3_10\">Strategisk r<span class=\"__11 _617\"/>apport<span class=\"__11 _624\"> </span></span></span></span></span></div><div class=\"t_11 m0_11 h7_10 ff3_10 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:986.27924px;\">K5.3  F\u00f6r<span class=\"__11 _626\"/>valtningsfastigheter<span class=\"__11 _625\"/>, forts.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m2_5 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:213.9696px; bottom:731.1875px;\">Vinster och f\u00f6rl<span class=\"__11 _617\"/>uster<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:222.85614px; bottom:721.4375px;\">som redovisats  </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:215.60995px; bottom:711.6875px;\">i resulta<span class=\"__11 _617\"/>tr\u00e4kningen<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:231.21774px; bottom:701.9375px;\">under \u00e5ret<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:313.63254px; bottom:695.5181px;\">Redo-<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:318.21115px; bottom:685.7681px;\">visat <span class=\"__11 _e4_3\"/> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:309.59995px; bottom:676.0181px;\">i \u00f6vrigt<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls16_9 ws1e_8\" style=\"left:315.55136px; bottom:666.2681px;\">total-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:308.19635px; bottom:656.5181px;\">resulta<span class=\"__11 _617\"/>t<span class=\"__11 _11f_4\"/>2021, mn euro<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:180.79076px; bottom:666.2681px;\">1 jan<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:180.79076px; bottom:656.5181px;\">2021<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls17_9 ws1f_8\" style=\"left:224.94656px; bottom:666.2681px;\">Rea-<span class=\"ls1_11 ws3_10\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:212.25388px; bottom:656.5181px;\">liserade<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:272.64355px; bottom:666.2681px;\">Orea-<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:263.97775px; bottom:656.5181px;\">liserade<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:370.90796px; bottom:666.2681px;\">K\u00f6p/<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:348.92755px; bottom:656.5181px;\">emissioner<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:404.1111px; bottom:666.2681px;\">F\u00f6rs\u00e4lj-<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:407.02832px; bottom:656.5181px;\">ningar<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:449.53192px; bottom:676.0181px;\">A<span class=\"__11 _617\"/>vr\u00e4k<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:446.77075px; bottom:666.2681px;\">ningar<span class=\"__11 _617\"/>/ <span class=\"__11 _e4_3\"/> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:446.77075px; bottom:656.5181px;\">likvider<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:482.1582px; bottom:666.2681px;\">Omklassi-<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:482.1582px; bottom:656.5181px;\"><span class=\"__11 _624\">\ufb01ceringar2<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:555.27795px; bottom:685.7681px;\">Om-<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:536.4396px; bottom:676.0181px;\">r\u00e4knings-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:551.96155px; bottom:666.2681px;\"><span class=\"__11 _624\">diffe-<span class=\"__11 _624\"> </span></span> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:547.9446px; bottom:656.5181px;\">renser<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:585.50934px; bottom:666.2681px;\">31 dec<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:592.02795px; bottom:656.5181px;\">2021<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:639.3763px;\">F\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheter<span class=\"__11 _737\"> </span>1 535<span class=\"__11 _3b_5\"> </span>120<span class=\"__11 _b1_3\"> </span>1<span class=\"__11 _6a_3\"> </span>\u2013<span class=\"__11 _713\"> </span>293<span class=\"__11 _738\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _6a_3\"> </span></span>\u2013<span class=\"__11 _671\"> </span>-205<span class=\"__11 _709\"> </span>22<span class=\"__11 _669\"> </span><span class=\"ls0_11 ws0_11\">1 76<span class=\"__11 _626\"/>4<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:622.23193px;\">- vara<span class=\"__11 _617\"/>v Life &amp; P<span class=\"__11 _617\"/>ension<span class=\"__11 _673\"> </span>1 534<span class=\"__11 _3b_5\"> </span>120<span class=\"__11 _d9_3\"> </span>1<span class=\"__11 _6a_3\"> </span>\u2013<span class=\"__11 _713\"> </span>292<span class=\"__11 _6a_3\"> </span>\u2013<span class=\"__11 _6a_3\"> </span>\u2013<span class=\"__11 _671\"> </span>-205<span class=\"__11 _686\"> </span>21<span class=\"__11 _739\"> </span>1 763<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:605.0875px;\">F\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheter i<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:594.0401px;\">placeringsportf\u00f6ljer och<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:582.99274px;\">fondf<span class=\"__11 _617\"/><span class=\"__11 _624\">\u00f6rs\u00e4kringsavtal1</span><span class=\"__11 _732\"> </span>361<span class=\"__11 _653\"> </span>13<span class=\"__11 _735\"> </span>18<span class=\"__11 _6a_3\"> </span>\u2013<span class=\"__11 _e_10\"> </span>8<span class=\"__11 _684\"> </span>\u2013<span class=\"__11 _6a_3\"> </span>\u2013<span class=\"__11 _650\"> </span>203<span class=\"__11 _b1_3\"> </span><span class=\"ls0_11 ws0_11\">-1<span class=\"__11 _5e_3\"> </span></span>602<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:565.8483px;\">- vara<span class=\"__11 _617\"/>v Life &amp; P<span class=\"__11 _617\"/>ension<span class=\"__11 _740\"> </span>361<span class=\"__11 _653\"> </span>13<span class=\"__11 _661\"> </span>18<span class=\"__11 _6a_3\"> </span>\u2013<span class=\"__11 _741\"> </span>8<span class=\"__11 _6a_3\"> </span>\u2013<span class=\"__11 _684\"> </span>\u2013<span class=\"__11 _650\"> </span>203<span class=\"__11 _741\"> </span><span class=\"ls0_11 ws0_11\">-1<span class=\"__11 _5e_3\"> </span></span>602<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hc_10 ff2_11 fs7_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:546.1888px;\">1)  F\u00f6r ytterligare in<span class=\"__11 _617\"/>formation, se no<span class=\"__11 _617\"/>t K3.<span class=\"__11 _617\"/>11 \u201dTillg\u00e5ngar och inl\u00e5ning i placeringsportf\u00f6ljer och f<span class=\"__11 _617\"/>ondf\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hc_10 ff2_11 fs7_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:534.5847px;\">2)  Omklassi\ufb01cering fr\u00e5n/till balansr\u00e4kningsr<span class=\"__11 _617\"/>aden \u201dMateriella tillg\u00e5ngar\u201d (se not K5.2 \u201dMateriella tillg\u00e5ngar<span class=\"__11 _626\"/>\u201d) p\u00e5 grund av f\u00f6r<span class=\"__11 _617\"/>\u00e4ndrad anv\u00e4ndning a<span class=\"__11 _617\"/>v fas<span class=\"__11 _617\"/>tigheter<span class=\"__11 _617\"/>.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h5_10 ff1_11 fs3_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:486.849px;\">Processen f<span class=\"__11 _617\"/>\u00f6r v\u00e4r<span class=\"__11 _617\"/>dering till verkligt v<span class=\"__11 _617\"/>\u00e4rde<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:473.31976px;\">Huvuddelen av f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astighet<span class=\"__11 _617\"/>erna i Nordea innehas a<span class=\"__11 _617\"/>v<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:459.79456px;\">Life &amp; P<span class=\"__11 _617\"/>ension. F<span class=\"__11 _617\"/>\u00f6rvaltningsfas<span class=\"__11 _617\"/>tigheterna v\u00e4r<span class=\"__11 _617\"/>deras en g\u00e5ng i<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:446.26938px;\">kvartalet av f<span class=\"__11 _617\"/>as<span class=\"__11 _617\"/>tighetsav<span class=\"__11 _617\"/>delningarna i respek<span class=\"__11 _617\"/>tive bolag inom<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:432.74417px;\">Life &amp; P<span class=\"__11 _617\"/>ension, och arbetet utf<span class=\"__11 _617\"/>\u00f6rs helt eller delvis a<span class=\"__11 _617\"/>v e<span class=\"__11 _617\"/>xterna<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:419.21896px;\">v\u00e4rder<span class=\"__11 _617\"/>are. F<span class=\"__11 _617\"/>\u00f6r f\u00f6rval<span class=\"__11 _617\"/>tningsfas<span class=\"__11 _617\"/>tigheter d\u00e4r a<span class=\"__11 _617\"/>vdelningarna<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:405.69376px;\">anv\u00e4nder sig a<span class=\"__11 _617\"/>v sina egna metoder<span class=\"__11 _625\"/>, j\u00e4mf<span class=\"__11 _617\"/>\u00f6rs fastighet<span class=\"__11 _617\"/>ernas<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:392.16858px;\">v\u00e4rdef<span class=\"__11 _617\"/>\u00f6r\u00e4ndringar med v<span class=\"__11 _617\"/>\u00e4rderingar gjorda f<span class=\"__11 _617\"/>\u00f6r liknande f<span class=\"__11 _617\"/>ast-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:378.64337px;\">igheter a<span class=\"__11 _617\"/>v ext<span class=\"__11 _617\"/>erna v\u00e4rder<span class=\"__11 _617\"/>are. V<span class=\"__11 _625\"/>\u00e4rderingen presenter<span class=\"__11 _617\"/>as f\u00f6r<span class=\"__11 _625\"/>,<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:365.11816px;\">och godk\u00e4nns av<span class=\"__11 _625\"/>, ledningen i respek<span class=\"__11 _617\"/>tive bolag. Finansdirek<span class=\"__11 _617\"/>t\u00f6-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:351.59296px;\">ren i vart och ett a<span class=\"__11 _617\"/>v bolagen inom Life &amp; P<span class=\"__11 _617\"/>ension godk\u00e4nner<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:338.06778px;\">de till\u00e4mpade metoderna och ansvar<span class=\"__11 _617\"/>ar f\u00f6r de v<span class=\"__11 _617\"/>\u00e4rden som<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:324.54257px;\">anv\u00e4nds. Principerna som till\u00e4mpas i sam<span class=\"__11 _617\"/>tliga bolag \u00f6v<span class=\"__11 _617\"/>erens-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:311.01736px;\">st\u00e4mmer med de nationella tillsynsm<span class=\"__11 _617\"/>yndigheternas best<span class=\"__11 _617\"/>\u00e4m-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:297.49216px;\">melser<span class=\"__11 _625\"/>, som i sin tur \u00f6verensst\u00e4mmer med in<span class=\"__11 _617\"/>ternationella v<span class=\"__11 _617\"/>\u00e4r-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:283.96698px;\">deringsprinciper och IFRS.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:487.3864px;\">Dessutom \ufb01nns en Inv<span class=\"__11 _617\"/>estmen<span class=\"__11 _617\"/>t Operation Committ<span class=\"__11 _617\"/>ee (IOC),<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:473.8612px;\">som \u00e4r ett gemensamt f<span class=\"__11 _617\"/>orum f<span class=\"__11 _617\"/>\u00f6r fr\u00e5gor s<span class=\"__11 _617\"/>om r\u00f6r v\u00e4r<span class=\"__11 _617\"/>dering och<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:460.33603px;\">redovisning a<span class=\"__11 _617\"/>v inv<span class=\"__11 _617\"/>esteringsv<span class=\"__11 _617\"/>erksamheten i Lif<span class=\"__11 _617\"/>e &amp; Pension.<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:446.81082px;\">Bolagen inom Life &amp; P<span class=\"__11 _617\"/>ension rapporterar r<span class=\"__11 _617\"/>egelbundet till IOC.<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:333.5133px; bottom:433.2856px;\">F\u00f6rvaltningsf<span class=\"__11 _617\"/>as<span class=\"__11 _617\"/>tigheterna i Life &amp; P<span class=\"__11 _617\"/>ension funger<span class=\"__11 _617\"/>ar som<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:419.7604px;\">skuldt\u00e4ckning gen<span class=\"__11 _617\"/>temot f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringstagarna i liv- och f<span class=\"__11 _617\"/>ondf<span class=\"__11 _617\"/>\u00f6r-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:406.23523px;\">s\u00e4kringsavtal sam<span class=\"__11 _617\"/>t i \ufb01nansiella a<span class=\"__11 _617\"/><span class=\"__11 _624\">vtal. Det inneb\u00e4r att eff</span><span class=\"__11 _617\"/>ekt<span class=\"__11 _617\"/>en<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:392.71002px;\">p\u00e5 Nordeas result<span class=\"__11 _617\"/>atr\u00e4kning och eget kapit<span class=\"__11 _617\"/>al beror p\u00e5 resul<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:379.1848px;\">tatstruk<span class=\"__11 _617\"/>turen i de portf<span class=\"__11 _617\"/>\u00f6ljer med kontr<span class=\"__11 _617\"/>ak<span class=\"__11 _617\"/>t som inves<span class=\"__11 _617\"/>tering-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:365.6596px;\">arna st\u00e5r mot.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m2_5 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:213.9696px; bottom:948.605px;\">Vinster och f\u00f6rl<span class=\"__11 _617\"/>uster<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:222.85614px; bottom:938.855px;\">som redovisats  </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:215.60995px; bottom:929.105px;\">i resulta<span class=\"__11 _617\"/>tr\u00e4kningen<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:231.21774px; bottom:919.355px;\">under \u00e5ret<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:864.18555px;\">2022, mn euro<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:184.11356px; bottom:873.93555px;\">1 jan<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:184.11356px; bottom:864.18555px;\">2022<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls17_9 ws1f_8\" style=\"left:228.40833px; bottom:873.93555px;\">Rea-<span class=\"ls1_11 ws3_10\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:215.60995px; bottom:864.18555px;\">liserade<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:275.96634px; bottom:873.93555px;\">Orea-<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:267.30054px; bottom:864.18555px;\">liserade<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:316.94754px; bottom:903.18555px;\">Redo-<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:893.43555px;\">visat <span class=\"__11 _e4_3\"/> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:313.63254px; bottom:883.68555px;\">i \u00f6vrigt<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls16_9 ws1e_8\" style=\"left:318.21115px; bottom:873.93555px;\">total-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:311.22092px; bottom:864.18555px;\">resulta<span class=\"__11 _617\"/>t<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:374.23074px; bottom:873.93555px;\">K\u00f6p/<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:352.25034px; bottom:864.18555px;\">emissioner<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:407.02832px; bottom:873.93555px;\">F\u00f6rs\u00e4lj-<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:410.75034px; bottom:864.18555px;\">ningar<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:452.85474px; bottom:883.68555px;\">A<span class=\"__11 _617\"/>vr\u00e4k<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:449.53192px; bottom:873.93555px;\">ningar<span class=\"__11 _617\"/>/ <span class=\"__11 _e4_3\"/> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:449.53192px; bottom:864.18555px;\">likvider<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:487.01093px; bottom:873.93555px;\">Omklassi-<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:485.50238px; bottom:864.18555px;\"><span class=\"__11 _624\">\ufb01ceringar2<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:563.19904px; bottom:893.43555px;\">Om-<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:542.8838px; bottom:883.68555px;\">r\u00e4knings-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:559.34814px; bottom:873.93555px;\"><span class=\"__11 _624\">diffe-<span class=\"__11 _624\"> </span></span> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:555.27795px; bottom:864.18555px;\">renser<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:592.02795px; bottom:873.93555px;\">31 dec<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:598.69135px; bottom:864.18555px;\">2022<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:847.04364px;\">F\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheter<span class=\"__11 _d3_3\"> </span><span class=\"ls0_11 ws0_11\">1 76<span class=\"__11 _626\"/>4<span class=\"__11 _2b_5\"> </span></span>-38<span class=\"__11 _a7_4\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _6a_3\"> </span></span>\u2013<span class=\"__11 _6c_3\"> </span>904<span class=\"__11 _656\"> </span>-9<span class=\"__11 _684\"> </span>\u2013<span class=\"__11 _6d_3\"> </span>-104<span class=\"__11 _641\"> </span>-60<span class=\"__11 _742\"> </span>2 455<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:829.89923px;\">- vara<span class=\"__11 _617\"/>v Life &amp; P<span class=\"__11 _617\"/>ension<span class=\"__11 _673\"> </span>1 763<span class=\"__11 _2b_5\"> </span>-38<span class=\"__11 _a7_4\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _6a_3\"> </span></span>\u2013<span class=\"__11 _6c_3\"> </span>904<span class=\"__11 _656\"> </span>-9<span class=\"__11 _684\"> </span>\u2013<span class=\"__11 _6d_3\"> </span>-104<span class=\"__11 _641\"> </span>-60<span class=\"__11 _743\"> </span>2 454<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:812.7548px;\">F\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheter i<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:801.70746px;\">placeringsportf\u00f6ljer och<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:790.66003px;\">fondf<span class=\"__11 _617\"/><span class=\"__11 _624\">\u00f6rs\u00e4kringsavtal1</span><span class=\"__11 _676\"> </span>602<span class=\"__11 _691\"> </span><span class=\"ls0_11 ws0_11\">-18<span class=\"__11 _a5_4\"> </span><span class=\"lsd_9 ws14_10\">-7<span class=\"__11 _6a_3\"> </span></span></span>\u2013<span class=\"__11 _b5_4\"> </span>45<span class=\"__11 _6a_3\"> </span>\u2013<span class=\"__11 _684\"> </span>\u2013<span class=\"__11 _8a_3\"> </span>80<span class=\"__11 _a5_4\"> </span><span class=\"ls0_11 ws0_11\">-11<span class=\"__11 _4f_3\"> </span></span>691<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:773.5156px;\">- vara<span class=\"__11 _617\"/>v Life &amp; P<span class=\"__11 _617\"/>ension<span class=\"__11 _744\"> </span>602<span class=\"__11 _712\"> </span><span class=\"ls0_11 ws0_11\">-18<span class=\"__11 _a5_4\"> </span><span class=\"lsd_9 ws14_10\">-7<span class=\"__11 _6a_3\"> </span></span></span>\u2013<span class=\"__11 _b5_4\"> </span>45<span class=\"__11 _6a_3\"> </span>\u2013<span class=\"__11 _6a_3\"> </span>\u2013<span class=\"__11 _745\"> </span>80<span class=\"__11 _a5_4\"> </span><span class=\"ls0_11 ws0_11\">-11<span class=\"__11 _746\"> </span></span>691<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h1_11 ff1_11 fs0_11 fc0_11 sc0_11 ls1_11 ws3_10\" style=\"left:0.013025284px; bottom:2.1012287px;\">158<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h2_11 ff2_11 fs1_10 fc0_11 sc0_11 ls1_11 ws1_11\" style=\"left:44.466393px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h3_10 ff2_11 fs1_10 fc0_11 sc0_11 ls2_10 ws2_10\" style=\"left:48.667603px; bottom:1029.1447px;\">Inledning<span class=\"__11 _616\"> </span><span class=\"__11 _624\">Aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5den<span class=\"__11 _618\"/><span class=\"ws3_10\">V<span class=\"__11 _617\"/>\u00e5ra in<span class=\"__11 _617\"/>tressent<span class=\"__11 _617\"/>er<span class=\"__11 _619\"> </span><span class=\"ff1_11\">Finansiella rapporter<span class=\"__11 _620\"/><span class=\"ff2_11 ws2_10\">F\u00f6rvaltningsber<span class=\"__11 _617\"/>\u00e4ttelse<span class=\"__11 _621\"> </span>H\u00e5llbarhetsnoter<span class=\"__11 _622\"> </span>\u00d6vrigt<span class=\"__11 _623\"/><span class=\"ws3_10\">Strategisk r<span class=\"__11 _617\"/>apport<span class=\"__11 _624\"> </span></span></span></span></span></div><div class=\"t_11 m0_11 h8_10 ff1_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:951.6515px;\">V<span class=\"__11 _617\"/>\u00e4rderingsmetoder och inda<span class=\"__11 _617\"/>ta som anv<span class=\"__11 _617\"/>\u00e4nds vid v\u00e4rderingen till v<span class=\"__11 _617\"/>erkligt v\u00e4rde i niv<span class=\"__11 _617\"/>\u00e5 3<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:935.1175px;\">31 dec 2022,  </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:925.3675px;\">mn euro<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:150.79144px; bottom:935.1175px;\">V<span class=\"__11 _617\"/>erkligt<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:156.88324px; bottom:925.3675px;\"><span class=\"__11 _624\">v\u00e4rde1<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:195.22804px; bottom:935.1175px;\">V<span class=\"__11 _617\"/>ara<span class=\"__11 _617\"/>v Life &amp;<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:209.89204px; bottom:925.3675px;\">Pension<span class=\"__11 _8d_3\"> </span><span class=\"ws20_8\"> V<span class=\"__11 _617\"/>\u00e4rderingmetoder<span class=\"__11 _e7_3\"> </span><span class=\"ws3_10\">Ej observerbara indata<span class=\"__11 _624\"> </span></span></span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:512.29803px; bottom:935.1175px;\">Intervall f<span class=\"__11 _617\"/>\u00f6r ej<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:497.30786px; bottom:925.3675px;\">observerbara data </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:580.8927px; bottom:935.1175px;\"> V\u00e4gt genomsnitt f<span class=\"__11 _617\"/>\u00f6r ej<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:597.6456px; bottom:925.3675px;\">observerbara data<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:908.22424px;\">Norge<span class=\"__11 _705\"> </span>946<span class=\"__11 _727\"> </span>946<span class=\"__11 _5b_3\"> </span>Diskonter<span class=\"__11 _617\"/>ade kassafl\u00f6den<span class=\"__11 _7c_3\"> </span>Marknadshyra<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:377.96643px; bottom:891.07983px;\">- Kommersiella<span class=\"__11 _a8_4\"> </span>119<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs5_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:510.78796px; bottom:891.0811px;\">\u2013<span class=\"fs0_11\">138 EUR/m<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:561.4054px; bottom:893.35614px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:617.546px; bottom:891.0811px;\">122 EUR/m<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:662.53595px; bottom:893.35614px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:377.96643px; bottom:873.93805px;\">- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _cd_3\"> </span>111<span class=\"fs5_10\">\u2013</span><span class=\"__11 _624\">405 EUR/m2</span><span class=\"__11 _b7_4\"> </span>240 EUR/m<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:662.53595px; bottom:876.213px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:377.96643px; bottom:856.7949px;\">- \u00d6vriga<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:497.30786px; bottom:855.32074px;\">119</div><div class=\"t_11 m0_11 ha_10 ff2_11 fs5_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:509.72052px; bottom:855.321px;\">\u2013<span class=\"fs0_11\"><span class=\"__11 _624\">390 EUR/m2</span><span class=\"__11 _e1_3\"> </span>309 EUR/m<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:662.53595px; bottom:857.596px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:377.96643px; bottom:838.1778px;\">A<span class=\"__11 _617\"/>vkastningskr<span class=\"__11 _617\"/>av<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:377.96643px; bottom:821.0334px;\">- Kommersiella<span class=\"__11 _12a_2\"> </span>6,00 %</div><div class=\"t_11 m0_11 ha_10 ff2_11 fs5_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:531.46405px; bottom:821.03467px;\">\u2013<span class=\"fs0_11\">6,00 %<span class=\"__11 _731\"> </span>6,0 %<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:377.96643px; bottom:802.4161px;\">- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:506.52606px; bottom:803.89026px;\">3,75 %</div><div class=\"t_11 m0_11 ha_10 ff2_11 fs5_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:531.46405px; bottom:803.89154px;\">\u2013<span class=\"fs0_11\">6,00 %<span class=\"__11 _12b_2\"> </span>4,5 %<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:377.96643px; bottom:785.27295px;\">- \u00d6vriga<span class=\"__11 _12c_2\"> </span>3,75 %</div><div class=\"t_11 m0_11 ha_10 ff2_11 fs5_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:531.46405px; bottom:785.27454px;\">\u2013<span class=\"fs0_11\">6,00 %<span class=\"__11 _731\"> </span>4,0 %<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:766.65594px;\"><span class=\"__11 _624\">Finland2</span><span class=\"__11 _c9_4\"> </span>1 054<span class=\"__11 _653\"> </span>1  054<span class=\"__11 _5b_3\"> </span>Diskonterade kassafl\u00f6den<span class=\"__11 _7c_3\"> </span>Marknadshyra<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:377.96643px; bottom:749.51154px;\">- Kommersiella<span class=\"__11 _1d_7\"> </span>138<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs5_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:509.72052px; bottom:749.5143px;\">\u2013<span class=\"fs0_11\">285 EUR/m<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:561.4054px; bottom:751.78925px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:617.546px; bottom:749.5143px;\">212 EUR/m<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:662.53595px; bottom:751.78925px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:377.96643px; bottom:732.37115px;\">- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _12d_2\"> </span>123<span class=\"fs5_10\">\u2013</span>528 EUR/m<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:561.4054px; bottom:734.6462px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:615.3676px; bottom:732.37115px;\">326 EUR/m<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:662.53595px; bottom:734.6462px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:377.96643px; bottom:715.2281px;\">- L\u00e4genheter<span class=\"__11 _ab_3\"> </span>192<span class=\"fs5_10\">\u2013</span>294 EUR/m<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:561.4054px; bottom:717.50305px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:615.3676px; bottom:715.2281px;\">243 EUR/m<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:662.53595px; bottom:717.50305px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:377.96643px; bottom:698.08496px;\">- \u00d6vriga<span class=\"__11 _ce_4\"> </span>100<span class=\"fs5_10\">\u2013</span>264 EUR/m<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:561.4054px; bottom:700.36px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:617.546px; bottom:698.08496px;\">182 EUR/m<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:662.53595px; bottom:700.36px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:377.96643px; bottom:680.94183px;\">A<span class=\"__11 _617\"/>vkastningskr<span class=\"__11 _617\"/>av<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:377.96643px; bottom:663.7975px;\">- Kommersiella<span class=\"__11 _639\"> </span>4,50 %<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs5_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:533.1705px; bottom:663.79877px;\">\u2013<span class=\"fs0_11\">7<span class=\"__11 _625\"/>,00 %<span class=\"__11 _12b_2\"> </span>5,9 %<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:377.96643px; bottom:646.65436px;\">- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _705\"> </span>3,40 %<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs5_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:528.5457px; bottom:646.65564px;\">\u2013<span class=\"fs0_11\">10,50 %<span class=\"__11 _12e_2\"> </span>7<span class=\"__11 _625\"/>,0 %<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:377.96643px; bottom:629.5112px;\">- L\u00e4genheter<span class=\"__11 _4c_3\"> </span>3,<span class=\"__11 _617\"/>15 %</div><div class=\"t_11 m0_11 ha_10 ff2_11 fs5_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:533.1705px; bottom:629.5126px;\">\u2013<span class=\"fs0_11\">4,75 %<span class=\"__11 _731\"> </span>4,0 %<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:377.96643px; bottom:612.36816px;\">- \u00d6vriga<span class=\"__11 _12f_2\"> </span>4,50 %</div><div class=\"t_11 m0_11 ha_10 ff2_11 fs5_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:531.46405px; bottom:612.36945px;\">\u2013<span class=\"fs0_11\">8,50 %<span class=\"__11 _12b_2\"> </span>6,5 %<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:593.75085px;\">Sverige<span class=\"__11 _c8_4\"> </span>333<span class=\"__11 _a5_4\"> </span>333<span class=\"__11 _5b_3\"> </span>Diskonter<span class=\"__11 _617\"/>ade kassafl\u00f6den<span class=\"__11 _7c_3\"> </span>Marknadshyra<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:377.96643px; bottom:576.60645px;\">- Kommersiella<span class=\"__11 _696\"> </span>70<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs5_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:509.72052px; bottom:576.6092px;\">\u2013<span class=\"fs0_11\">205 EUR/m<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:561.4054px; bottom:578.8842px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:617.546px; bottom:576.6092px;\">118 EUR/m<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:662.53595px; bottom:578.8842px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:377.96643px; bottom:559.46606px;\">- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _c8_4\"> </span><span class=\"ls9_10 wse_10\">252</span><span class=\"fs5_10\">\u2013</span>317 EUR/m<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:561.4054px; bottom:561.7411px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:616.52734px; bottom:559.46606px;\">276 EUR/m<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:662.53595px; bottom:561.7411px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:377.96643px; bottom:542.323px;\">- L\u00e4genheter<span class=\"__11 _747\"> </span><span class=\"ls0_11 ws0_11\">173<span class=\"__11 _626\"/></span><span class=\"fs5_10\">\u2013</span>179 EUR/m<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:561.4054px; bottom:544.59796px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:616.52734px; bottom:542.323px;\">176 EUR/m<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:662.53595px; bottom:544.59796px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:377.96643px; bottom:525.17975px;\">A<span class=\"__11 _617\"/>vkastningskr<span class=\"__11 _617\"/>av<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:377.96643px; bottom:508.03534px;\">- Kommersiella<span class=\"__11 _747\"> </span>4,50 %<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs5_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:534.5427px; bottom:508.03668px;\">\u2013<span class=\"fs0_11\">6,<span class=\"__11 _617\"/>15 %<span class=\"__11 _12b_2\"> </span>5,2 %<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:377.96643px; bottom:490.89227px;\">- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _748\"> </span>4,05 %</div><div class=\"t_11 m0_11 ha_10 ff2_11 fs5_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:531.46405px; bottom:490.89355px;\">\u2013<span class=\"fs0_11\">4,90 %<span class=\"__11 _12b_2\"> </span>4,5 %<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:377.96643px; bottom:472.27496px;\">- L\u00e4genheter<span class=\"__11 _d3_3\"> </span>3,80 %</div><div class=\"t_11 m0_11 ha_10 ff2_11 fs5_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:533.1705px; bottom:472.27652px;\">\u2013<span class=\"fs0_11\">3,91 %<span class=\"__11 _731\"> </span>3,<span class=\"__11 _626\"/>8 %<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:455.1321px;\">Danmark<span class=\"__11 _12b_2\"> </span>812<span class=\"__11 _645\"> </span>812<span class=\"__11 _4b_3\"> </span>Diskonterade kassafl\u00f6den<span class=\"__11 _7c_3\"> </span>Marknadshyra<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:377.96643px; bottom:437.98773px;\">- Kommersiella<span class=\"__11 _6f_3\"> </span>54<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs5_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:514.7926px; bottom:437.9902px;\">\u2013<span class=\"fs0_11\">54 EUR/m<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:561.4054px; bottom:440.2652px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:620.75916px; bottom:437.9902px;\">54 EUR/m<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:662.53595px; bottom:440.2652px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:377.96643px; bottom:420.84708px;\">- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _749\"> </span>111<span class=\"fs5_10\">\u2013</span>222 EUR/m<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:561.4054px; bottom:423.1221px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:616.52734px; bottom:420.84708px;\">135 EUR/m<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:662.53595px; bottom:423.1221px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:377.96643px; bottom:403.70398px;\">- L\u00e4genheter<span class=\"__11 _750\"> </span><span class=\"ls0_11 ws0_11\">141</span><span class=\"fs5_10\">\u2013</span>205 EUR/m<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:561.4054px; bottom:405.979px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:617.546px; bottom:403.70398px;\">161 EUR/m<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:662.53595px; bottom:405.979px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:377.96643px; bottom:386.56088px;\">A<span class=\"__11 _617\"/>vkastningskr<span class=\"__11 _617\"/>av<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:377.96643px; bottom:369.4165px;\">- Kommersiella<span class=\"__11 _b0_3\"> </span>7,00 %</div><div class=\"t_11 m0_11 ha_10 ff2_11 fs5_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:533.1705px; bottom:369.4178px;\">\u2013<span class=\"fs0_11\">7<span class=\"__11 _625\"/>,00 %<span class=\"__11 _12e_2\"> </span>7,0 %<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:377.96643px; bottom:352.27338px;\">- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _12f_2\"> </span>4,00 %<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs5_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:533.1705px; bottom:352.2747px;\">\u2013<span class=\"fs0_11\">6,75 %<span class=\"__11 _731\"> </span>4,9 %<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:377.96643px; bottom:335.13028px;\">- L\u00e4genheter<span class=\"__11 _d3_3\"> </span>3,50 %</div><div class=\"t_11 m0_11 ha_10 ff2_11 fs5_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:533.1705px; bottom:335.1316px;\">\u2013<span class=\"fs0_11\">4,75 %<span class=\"__11 _731\"> </span>3,9 %<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:317.98718px;\">\u00d6vriga<span class=\"__11 _751\"> </span>1<span class=\"__11 _c2_4\"> </span>\u2013<span class=\"__11 _5b_3\"> </span>Diskonterade kassafl\u00f6den<span class=\"__11 _7c_3\"> </span>\u2013<span class=\"__11 _752\"> </span>\u2013<span class=\"__11 _12c_2\"> </span>\u2013<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:294.0178px;\">Summa<span class=\"__11 _725\"> </span>3 146<span class=\"__11 _6c_3\"> </span>3 145<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hc_10 ff2_11 fs7_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:274.36218px;\">1)   <span class=\"__11 _e4_3\"/>F\u00f6rdelning baserad p\u00e5 de v<span class=\"__11 _617\"/>\u00e4rderingsmetoder som anv\u00e4nds i olik<span class=\"__11 _617\"/>a l\u00e4nder<span class=\"__11 _617\"/>.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hc_10 ff2_11 fs7_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:48.667603px; bottom:262.75812px;\">2)   <span class=\"__11 _e4_3\"/>Var<span class=\"__11 _617\"/>av 691 mn euro r<span class=\"__11 _617\"/>elateras till tillg\u00e5ngar i placeringsportf<span class=\"__11 _617\"/>\u00f6ljer och fondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal i Lif<span class=\"__11 _617\"/>e &amp; Pension. F\u00f6r mer in<span class=\"__11 _617\"/>forma<span class=\"__11 _617\"/>tion se not K3.<span class=\"__11 _625\"/>11 \u201dTillg\u00e5ngar och inl\u00e5ning i placerings-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hc_10 ff2_11 fs7_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:60.189896px; bottom:253.92123px;\">portf\u00f6ljer och fondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h7_10 ff3_10 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:986.27924px;\">K5.3  F\u00f6r<span class=\"__11 _626\"/>valtningsfastigheter<span class=\"__11 _625\"/>, forts.<span class=\"__11 _624\"> </span></div>159<span class=\"__11 _624\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__11 _624\"> </span>Inledning<span class=\"__11 _616\"> </span><span class=\"__11 _624\">Aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5den<span class=\"__11 _618\"/><span class=\"ws3_10\">V<span class=\"__11 _617\"/>\u00e5ra in<span class=\"__11 _617\"/>tressent<span class=\"__11 _617\"/>er<span class=\"__11 _619\"> </span><span class=\"ff1_11\">Finansiella rapporter<span class=\"__11 _620\"/><span class=\"ff2_11 ws2_10\">F\u00f6rvaltningsber<span class=\"__11 _617\"/>\u00e4ttelse<span class=\"__11 _621\"> </span>H\u00e5llbarhetsnoter<span class=\"__11 _622\"> </span>\u00d6vrigt<span class=\"__11 _623\"/><span class=\"ws3_10\">Strategisk r<span class=\"__11 _617\"/>apport<span class=\"__11 _624\"> </span></span></span></span></span>K5.3  F\u00f6r<span class=\"__11 _626\"/>valtningsfastigheter<span class=\"__11 _625\"/>, forts.<span class=\"__11 _624\"> </span>V<span class=\"__11 _617\"/>\u00e4rderingsmetoder och inda<span class=\"__11 _617\"/>ta som anv<span class=\"__11 _617\"/>\u00e4nds vid v\u00e4rderingen till v<span class=\"__11 _617\"/>erkligt v\u00e4rde i niv<span class=\"__11 _617\"/>\u00e5 3<span class=\"__11 _624\"> </span>31 dec 2021,  mn euro<span class=\"__11 _624\"> </span>V<span class=\"__11 _617\"/>erkligt <span class=\"__11 _624\">v\u00e4rde1<span class=\"__11 _624\"> </span></span>V<span class=\"__11 _617\"/>ara<span class=\"__11 _617\"/>v Life &amp; Pension<span class=\"__11 _8d_3\"> </span><span class=\"ws20_8\"> V<span class=\"__11 _617\"/>\u00e4rderingmetoder<span class=\"__11 _e7_3\"> </span><span class=\"ws3_10\">Ej observerbara indata<span class=\"__11 _624\"> </span></span></span>Intervall f<span class=\"__11 _617\"/>\u00f6r ej observerbara data  V\u00e4gt genomsnitt f<span class=\"__11 _617\"/>\u00f6r ej observerbara data Norge<span class=\"__11 _690\"> </span>991<span class=\"__11 _a5_4\"> </span>991<span class=\"__11 _5b_3\"> </span>Diskonterade k<span class=\"__11 _617\"/>assafl\u00f6den<span class=\"__11 _7c_3\"> </span>Marknadshyra<span class=\"__11 _624\"> </span>- Kommersiella<span class=\"__11 _b9_4\"> </span>120\u2013<span class=\"fs0_11\">140 EUR/m<span class=\"__11 _624\"> </span></span>2<span class=\"__11 _624\"> </span>124 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _673\"> </span>108<span class=\"fs5_10\">\u2013</span><span class=\"__11 _624\">403 EUR/m2</span><span class=\"__11 _b7_4\"> </span>250 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>- \u00d6vriga<span class=\"__11 _624\"> </span>115\u2013<span class=\"fs0_11\"><span class=\"__11 _624\">314 EUR/m2</span><span class=\"__11 _c5_4\"> </span>229 EUR/m<span class=\"__11 _624\"> </span></span>2<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vkastningskr<span class=\"__11 _617\"/>av<span class=\"__11 _624\"> </span>- Kommersiella<span class=\"__11 _b0_3\"> </span>5,<span class=\"__11 _626\"/>25 %<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11\">5,25 %<span class=\"__11 _c9_4\"> </span>5.25 %<span class=\"__11 _624\"> </span></span>- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _624\"> </span>3,25 %\u2013<span class=\"fs0_11\">4,90 %<span class=\"__11 _731\"> </span>4,0 %<span class=\"__11 _624\"> </span></span>- \u00d6vriga<span class=\"__11 _753\"> </span>3,60 %<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11 ls11_9 ws18_9\">7,<span class=\"__11 _708\"/>2<span class=\"__11 _626\"/>5<span class=\"__11 _708\"/> %<span class=\"__11 _12b_2\"> </span></span><span class=\"fs0_11\">4,0 %<span class=\"__11 _624\"> </span></span><span class=\"__11 _624\">Finland2</span><span class=\"__11 _737\"> </span>1 041<span class=\"__11 _692\"> </span>1 041<span class=\"__11 _4b_3\"> </span>Diskonterade kassafl\u00f6den<span class=\"__11 _7c_3\"> </span>Marknadshyra<span class=\"__11 _624\"> </span>- Kommersiella<span class=\"__11 _b9_4\"> </span><span class=\"ls0_11 ws0_11\">144<span class=\"__11 _624\"> </span></span>\u2013<span class=\"fs0_11\">222 EUR/m<span class=\"__11 _624\"> </span></span>2<span class=\"__11 _624\"> </span>183 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _c8_4\"> </span>123<span class=\"fs5_10\">\u2013</span>47<span class=\"__11 _617\"/>4 EUR/<span class=\"__11 _617\"/>m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>299 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>- L\u00e4genheter<span class=\"__11 _717\"> </span>189<span class=\"fs5_10\">\u2013</span>300 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>245 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>- \u00d6vriga<span class=\"__11 _672\"> </span>98<span class=\"fs5_10\">\u2013</span>242 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>170 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vkastningskr<span class=\"__11 _617\"/>av<span class=\"__11 _624\"> </span>- Kommersiella<span class=\"__11 _754\"> </span>4,50 %<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11\">7<span class=\"__11 _625\"/>,0 %<span class=\"__11 _12b_2\"> </span>5,8 %<span class=\"__11 _624\"> </span></span>- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _690\"> </span>3,25 %<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11\">10,25 %<span class=\"__11 _731\"> </span>6,8 %<span class=\"__11 _624\"> </span></span>- L\u00e4genheter<span class=\"__11 _755\"> </span>3,0 %\u2013<span class=\"fs0_11\">4,75 %<span class=\"__11 _731\"> </span>3,9 %<span class=\"__11 _624\"> </span></span>- \u00d6vriga<span class=\"__11 _751\"> </span>4,5 %<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11 ls7_10 ws9_10\">8,25 %<span class=\"__11 _731\"> </span></span><span class=\"fs0_11\">6,4 %<span class=\"__11 _624\"> </span></span>Sverige<span class=\"__11 _c8_4\"> </span>333<span class=\"__11 _a5_4\"> </span>333<span class=\"__11 _5b_3\"> </span>Diskonter<span class=\"__11 _617\"/>ade kassafl\u00f6den<span class=\"__11 _7c_3\"> </span>Marknadshyra<span class=\"__11 _624\"> </span>- Kommersiella<span class=\"__11 _e9_4\"> </span>69<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11\">217 EUR/m<span class=\"__11 _624\"> </span></span>2<span class=\"__11 _624\"> </span>123 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _756\"> </span><span class=\"ls6_10 ws8_10\">248<span class=\"__11 _626\"/></span><span class=\"fs5_10\">\u2013</span>277 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>266 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>- L\u00e4genheter<span class=\"__11 _750\"> </span><span class=\"ls0_11 ws0_11\">178</span><span class=\"fs5_10\">\u2013</span>185 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>180 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vkastningskr<span class=\"__11 _617\"/>av<span class=\"__11 _624\"> </span>- Kommersiella<span class=\"__11 _639\"> </span>4,25 %<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11\">5,85 %<span class=\"__11 _12b_2\"> </span>5,0 %<span class=\"__11 _624\"> </span></span>- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _13a_2\"> </span>4,0 %<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11\">4,65 %<span class=\"__11 _731\"> </span>4,4 %<span class=\"__11 _624\"> </span></span>- L\u00e4genheter<span class=\"__11 _737\"> </span>3,51 %<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11\">3,60 %<span class=\"__11 _12b_2\"> </span>3,6 %<span class=\"__11 _624\"> </span></span>\u00d6vriga<span class=\"__11 _751\"> </span>1<span class=\"__11 _c2_4\"> </span>\u2013<span class=\"__11 _5b_3\"> </span>Diskonterade kassafl\u00f6den<span class=\"__11 _7c_3\"> </span>\u2013<span class=\"__11 _752\"> </span>\u2013<span class=\"__11 _12c_2\"> </span>\u2013<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _737\"> </span>2 366<span class=\"__11 _6a_3\"> </span>2 365<span class=\"__11 _624\"> </span>1)   <span class=\"__11 _e4_3\"/>F\u00f6rdelning baserad p\u00e5 de v<span class=\"__11 _617\"/>\u00e4rderingsmetoder som anv\u00e4nds i olik<span class=\"__11 _617\"/>a l\u00e4nder<span class=\"__11 _617\"/>.<span class=\"__11 _624\"> </span>2)   <span class=\"__11 _e4_3\"/>Var<span class=\"__11 _617\"/>av 602 mn euro r<span class=\"__11 _617\"/>elateras till tillg\u00e5ngar i placeringsportf<span class=\"__11 _617\"/>\u00f6ljer och fondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal i Lif<span class=\"__11 _617\"/>e &amp; Pension. F\u00f6r mer in<span class=\"__11 _617\"/>forma<span class=\"__11 _617\"/>tion se not K3.<span class=\"__11 _625\"/>11 \u201dTillg\u00e5ngar och inl\u00e5ning i placerings-<span class=\"__11 _624\"> </span>portf\u00f6ljer och fondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>De v\u00e4sen<span class=\"__11 _617\"/>tliga ej observerbara indat<span class=\"__11 _617\"/>a som anv\u00e4nds n\u00e4r f\u00f6rvaltningsf<span class=\"__11 _617\"/>astighet<span class=\"__11 _617\"/>erna v\u00e4rder<span class=\"__11 _617\"/>as till verkligt v\u00e4r<span class=\"__11 _617\"/>de \u00e4r marknadshyra och a<span class=\"__11 _617\"/>vkas<span class=\"__11 _617\"/>tningskra<span class=\"__11 _617\"/>v<span class=\"__11 _625\"/>. Betydande h\u00f6jningar<span class=\"__11 _624\"> </span>(s\u00e4nkningar) av marknadsh<span class=\"__11 _617\"/>yran eller a<span class=\"__11 _617\"/>vkastningskr<span class=\"__11 _617\"/>a<span class=\"__11 _617\"/>vet skulle, isolera<span class=\"__11 _617\"/>t, resultera i en bety<span class=\"__11 _617\"/>dligt l\u00e4gre (h\u00f6gre<span class=\"__11 _617\"/>) verkligt v\u00e4rde.<span class=\"__11 _624\"> </span><div class=\"t_11 m0_11 h1_11 ff1_11 fs0_11 fc0_11 sc0_11 ls1_11 ws3_10\" style=\"left:0.013025284px; bottom:2.1012287px;\">160<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h2_11 ff2_11 fs1_10 fc0_11 sc0_11 ls1_11 ws1_11\" style=\"left:44.466393px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h3_10 ff2_11 fs1_10 fc0_11 sc0_11 ls2_10 ws2_10\" style=\"left:48.667603px; bottom:1029.1447px;\">Inledning<span class=\"__11 _616\"> </span><span class=\"__11 _624\">Aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5den<span class=\"__11 _618\"/><span class=\"ws3_10\">V<span class=\"__11 _617\"/>\u00e5ra in<span class=\"__11 _617\"/>tressent<span class=\"__11 _617\"/>er<span class=\"__11 _619\"> </span><span class=\"ff1_11\">Finansiella rapporter<span class=\"__11 _620\"/><span class=\"ff2_11 ws2_10\">F\u00f6rvaltningsber<span class=\"__11 _617\"/>\u00e4ttelse<span class=\"__11 _621\"> </span>H\u00e5llbarhetsnoter<span class=\"__11 _622\"> </span>\u00d6vrigt<span class=\"__11 _623\"/><span class=\"ws3_10\">Strategisk r<span class=\"__11 _617\"/>apport<span class=\"__11 _624\"> </span></span></span></span></span></div><div class=\"t_11 m0_11 h4_10 ff1_11 fs2_10 fc0_11 sc0_11 ls1_11 ws4_10\" style=\"left:44.466393px; bottom:949.3444px;\">K5.4 Leasing<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h5_10 ff1_11 fs3_10 fc1_10 sc0_11 ls1_11 ws3_10\" style=\"left:51.836487px; bottom:922.28754px;\">Redovisningsprinciper<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:897.70337px;\">Ett leasingavt<span class=\"__11 _617\"/>al \u00e4r ett avtal s<span class=\"__11 _617\"/>om \u00f6verl\u00e5<span class=\"__11 _617\"/>ter r\u00e4<span class=\"__11 _617\"/>tten att under en </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:884.17816px;\">viss tid best\u00e4mma \u00f6v<span class=\"__11 _617\"/>er anv\u00e4ndningen a<span class=\"__11 _625\"/>v en identi\ufb01erad till-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:870.65295px;\">g\u00e5ng i utbyte mot ers\u00e4<span class=\"__11 _617\"/>ttning. </div><div class=\"t_11 m0_11 h5_10 ff1_11 fs3_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:843.5869px;\">Nordea som leasegivar<span class=\"__11 _617\"/>e<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:830.05786px;\">Finansiell leasing redovisas som en f<span class=\"__11 _617\"/>ordr<span class=\"__11 _617\"/>an p\u00e5 leasetagaren </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:816.53265px;\">och ing\u00e5r i \u201dUtl\u00e5ning till allm\u00e4nheten\u201d (se not K3.<span class=\"__11 _617\"/>7 \u201dUtl\u00e5ning\u201d) </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:803.00745px;\">med ett belopp som motsvar<span class=\"__11 _617\"/>ar nettoinv<span class=\"__11 _617\"/>esteringen enligt lea<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:789.48224px;\">singavtal<span class=\"__11 _617\"/>et. Leasingavgiften, e<span class=\"__11 _617\"/>xklusiv<span class=\"__11 _617\"/>e kostnad f<span class=\"__11 _617\"/>\u00f6r service, </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:775.95703px;\">redovisas som \u00e5<span class=\"__11 _617\"/>terbetalning a<span class=\"__11 _617\"/>v f<span class=\"__11 _617\"/>ordran och som r<span class=\"__11 _617\"/>\u00e4nt<span class=\"__11 _617\"/>eint\u00e4k<span class=\"__11 _617\"/>t. </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:762.4318px;\">Int\u00e4k<span class=\"__11 _617\"/>ten f<span class=\"__11 _617\"/>\u00f6rdelas s\u00e5 a<span class=\"__11 _617\"/>tt en j\u00e4mn f\u00f6rr<span class=\"__11 _617\"/>\u00e4ntning erh\u00e5lls p\u00e5 under </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:748.9066px;\">varje period redo<span class=\"__11 _617\"/>visad nettoinve<span class=\"__11 _617\"/>stering. </div><div class=\"t_11 m0_11 h5_10 ff1_11 fs3_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:721.825px;\">Nordea som leasetagar<span class=\"__11 _617\"/>e<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:708.29596px;\">N\u00e4r ett avtal ing\u00e5s g\u00f6r Nor<span class=\"__11 _617\"/>dea en bed\u00f6mning a<span class=\"__11 _617\"/>v om det \u00e4r </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:694.77075px;\">eller inneh\u00e5ller ett leasingavt<span class=\"__11 _617\"/>al. </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:57.361748px; bottom:681.24554px;\">R\u00e4tten att an<span class=\"__11 _617\"/>v\u00e4nda en tillg\u00e5ng i ett leasinga<span class=\"__11 _617\"/>vtal r<span class=\"__11 _617\"/>edovisas </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:667.72034px;\">vid inledningsdatumet som en n<span class=\"__11 _617\"/>yttjander\u00e4tt och skyldighet<span class=\"__11 _617\"/>en </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:654.1951px;\">att betala leasinga<span class=\"__11 _617\"/>vgifterna r<span class=\"__11 _617\"/>edovisas som en leasingsk<span class=\"__11 _617\"/>uld. </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:640.6699px;\">Nyttjander\u00e4tt<span class=\"__11 _617\"/>en v\u00e4rder<span class=\"__11 _617\"/>as som nuv\u00e4rdet a<span class=\"__11 _617\"/>v leasinga<span class=\"__11 _617\"/>vgift<span class=\"__11 _617\"/>erna, </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:627.1447px;\">plus initiala direk<span class=\"__11 _617\"/>ta kostnader och k<span class=\"__11 _617\"/>ostnader f<span class=\"__11 _617\"/>\u00f6r skyldigheten </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:613.61957px;\">att underh\u00e5lla tillg\u00e5ngen minus even<span class=\"__11 _617\"/>tuella f<span class=\"__11 _617\"/>\u00f6rm\u00e5ner som </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:600.09436px;\">mottagits i samband med leasinga<span class=\"__11 _617\"/>vtalet. Icke-leasingkompo-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:586.56915px;\">nenter s\u00e4rskiljs. Som diskon<span class=\"__11 _617\"/>teringsr<span class=\"__11 _617\"/>\u00e4nta f<span class=\"__11 _617\"/>\u00f6r att ber<span class=\"__11 _617\"/>\u00e4kna lea-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:573.04395px;\">singskulden f<span class=\"__11 _617\"/>\u00f6r varje a<span class=\"__11 _617\"/>vtal anv<span class=\"__11 _617\"/>\u00e4nds den marginella l\u00e5ner\u00e4n-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:559.51874px;\">tan vid avt<span class=\"__11 _617\"/>alets inledningsdatum. F<span class=\"__11 _617\"/>\u00f6r betydande leasinga<span class=\"__11 _617\"/>vtal </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:545.9935px;\">g\u00e4llande lokaler<span class=\"__11 _617\"/>/fastighet<span class=\"__11 _617\"/>er kan avt<span class=\"__11 _617\"/>alets implicita r\u00e4n<span class=\"__11 _617\"/>ta </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:532.4683px;\">anv\u00e4ndas, om den \u00e4r tillg\u00e4nglig. </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:57.361748px; bottom:518.9431px;\">Nyttjander\u00e4tt<span class=\"__11 _617\"/>er redovisas p\u00e5 samma s\u00e4tt s<span class=\"__11 _617\"/>om liknande </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:505.41797px;\">egna tillg\u00e5ngar och leasingskulder redo<span class=\"__11 _617\"/>visas som \u201d\u00d6vriga </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:491.89276px;\">skulder<span class=\"__11 _626\"/>\u201d i balansr\u00e4kningen. Principerna f\u00f6r a<span class=\"__11 _625\"/>vskrivning \u00e4r </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:478.36755px;\">desamma som f\u00f6r liknande egna till<span class=\"__11 _617\"/>g\u00e5ngar<span class=\"__11 _617\"/>, men a<span class=\"__11 _617\"/>vskriv-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:464.84235px;\">ningstiden kan in<span class=\"__11 _617\"/>te var<span class=\"__11 _617\"/>a l\u00e4ngre \u00e4n leasingperioden. Pr\u00f6<span class=\"__11 _617\"/>vning </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:451.31714px;\">av nedskrivningsbeho<span class=\"__11 _617\"/>v p\u00e5 nyttjander\u00e4<span class=\"__11 _617\"/>tter g\u00f6rs enligt samma </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:437.79193px;\">principer som f\u00f6r liknande egna tillg\u00e5ngar<span class=\"__11 _625\"/>. R\u00e4ntek<span class=\"__11 _617\"/>ostnader </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:424.26672px;\">f\u00f6r leasingsk<span class=\"__11 _617\"/>ulder redovisas som \u201dR\u00e4n<span class=\"__11 _617\"/>tek<span class=\"__11 _617\"/>ostnader<span class=\"__11 _626\"/>\u201d i </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:44.466393px; bottom:410.74155px;\">resulta<span class=\"__11 _617\"/>tr\u00e4kningen. </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls18_9 ws3_10\" style=\"left:57.361748px; bottom:397.21634px;\">Tillg\u00e5ngarna klassi\ufb01ceras som \u201dF<span class=\"__11 _625\"/>astigheter<span class=\"__11 _626\"/>\u201d och \u201d\u00d6vriga </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls18_9 ws3_10\" style=\"left:44.466393px; bottom:383.69113px;\"> <span class=\"__11 _eb_3\"/>tillg\u00e5ngar<span class=\"__11 _708\"/>\u201d<span class=\"__11 _625\"/>. \u00d6vriga tillg\u00e5ngar utg\u00f6rs fr\u00e4ms<span class=\"__11 _617\"/>t av f<span class=\"__11 _617\"/>ordon och IT<span class=\"__11 _625\"/>-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls18_9 ws21_8\" style=\"left:44.466393px; bottom:370.16592px;\">utrustning. Nordea<span class=\"ws3_10\"> till\u00e4mpar den pr<span class=\"__11 _617\"/>aktisk<span class=\"__11 _617\"/>a l\u00f6sningen f\u00f6r k<span class=\"__11 _617\"/>ort<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls18_9 wsb_10\" style=\"left:44.466393px; bottom:356.64075px;\">fristiga leasinga<span class=\"__11 _617\"/>vtal (med en leasingperiod p\u00e5 12 m\u00e5nader eller </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls18_9 ws3_10\" style=\"left:44.466393px; bottom:343.11554px;\">mindre), b\u00e5de f<span class=\"__11 _617\"/>\u00f6r \u201dF<span class=\"__11 _617\"/>as<span class=\"__11 _617\"/>tigheter<span class=\"__11 _626\"/>\u201d och \u201d\u00d6vriga tillg\u00e5ngar<span class=\"__11 _626\"/>\u201d<span class=\"__11 _617\"/>. Den </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls18_9 ws3_10\" style=\"left:44.466393px; bottom:329.59033px;\">prak<span class=\"__11 _617\"/>tiska l\u00f6sningen f\u00f6r tillg\u00e5ngar med l\u00e5gt v<span class=\"__11 _617\"/>\u00e4rde till\u00e4mpas f<span class=\"__11 _617\"/>\u00f6r<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls18_9 ws3_10\" style=\"left:365.0711px; bottom:948.8877px;\">\u201d\u00d6vriga tillg\u00e5ngar<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>. Kortfristiga avtal och a<span class=\"__11 _617\"/>vtal med l\u00e5gt v<span class=\"__11 _617\"/>\u00e4rde </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls18_9 ws3_10\" style=\"left:365.0711px; bottom:935.36255px;\">redovisas in<span class=\"__11 _617\"/>te i balansr\u00e4kningen, utan l<span class=\"__11 _617\"/>easingav<span class=\"__11 _617\"/>gifterna kos<span class=\"__11 _617\"/>t<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls18_9 ws3_10\" style=\"left:365.0711px; bottom:921.83734px;\">nadsf\u00f6rs i resul<span class=\"__11 _617\"/>tatr<span class=\"__11 _617\"/>\u00e4kningen under \u201d\u00d6vriga kostnader\u201d<span class=\"__11 _617\"/>, linj\u00e4rt </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls18_9 ws3_10\" style=\"left:365.0711px; bottom:908.31213px;\">f\u00f6r<span class=\"__11 _617\"/>delade \u00f6ver leasingperioden, s\u00e5<span class=\"__11 _617\"/>vida in<span class=\"__11 _617\"/>te n\u00e5got anna<span class=\"__11 _617\"/>t syste<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls18_9 ws3_10\" style=\"left:365.0711px; bottom:894.7869px;\">matisk<span class=\"__11 _617\"/>t s\u00e4tt b\u00e4ttr<span class=\"__11 _617\"/>e \u00e5terspeglar <span class=\"ws21_8\">Nordea</span>s ekonomisk<span class=\"__11 _617\"/>a nytta \u00f6v<span class=\"__11 _617\"/>er </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls18_9 ws21_8\" style=\"left:365.0711px; bottom:881.2617px;\">tiden. </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:377.96643px; bottom:867.7365px;\">Leasingperioden \u00e4r den f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tade leasingperioden. Med </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:854.2113px;\">f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tad leasingperiod a<span class=\"__11 _617\"/>vses den icke upps\u00e4gningsbar<span class=\"__11 _617\"/>a lea-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:840.6861px;\">singperioden enligt avtal<span class=\"__11 _617\"/>et och even<span class=\"__11 _617\"/>tuella m\u00f6jligheter till f<span class=\"__11 _617\"/>\u00f6r-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:827.1609px;\">l\u00e4ngning som Nordea med rimlig s\u00e4kerhet a<span class=\"__11 _617\"/>vser a<span class=\"__11 _617\"/>tt utnyttja. </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:813.63574px;\">Leasingperioden f\u00f6r a<span class=\"__11 _625\"/>vtal utan slutdatum fas<span class=\"__11 _617\"/>tst\u00e4lls genom a<span class=\"__11 _617\"/>tt </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:800.11053px;\">ta h\u00e4nsyn alla fak<span class=\"__11 _617\"/>ta och omst<span class=\"__11 _617\"/>\u00e4ndigheter<span class=\"__11 _625\"/>. </div><div class=\"t_11 m0_11 h5_10 ff1_11 fs3_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:773.0094px;\">A<span class=\"__11 _625\"/>vtal som inneh\u00e5ller leasingavtal<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:759.48035px;\">A<span class=\"__11 _617\"/>vtal kan om<span class=\"__11 _617\"/>fa<span class=\"__11 _617\"/>tta r\u00e4<span class=\"__11 _617\"/>tten att an<span class=\"__11 _617\"/>v\u00e4nda en tillg\u00e5ng i utbyt<span class=\"__11 _617\"/>e mot </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:745.95514px;\">en eller flera betalningar<span class=\"__11 _625\"/>, \u00e4ven om a<span class=\"__11 _617\"/>vtalet in<span class=\"__11 _617\"/>te har leasinga<span class=\"__11 _617\"/>v-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:732.42993px;\">talets juridiska f<span class=\"__11 _617\"/>orm. I f\u00f6r<span class=\"__11 _617\"/>ekommande fall s<span class=\"__11 _617\"/>epareras dessa till<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:718.9047px;\">g\u00e5ngar fr\u00e5n a<span class=\"__11 _617\"/>vtalet och r<span class=\"__11 _617\"/>edovisas som leasade tillg\u00e5ngar<span class=\"__11 _624\"> </span><span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h5_10 ff1_11 fs3_10 fc1_10 sc0_11 ls1_11 ws3_10\" style=\"left:372.4348px; bottom:678.3083px;\">Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__11 _617\"/>ttningar </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:653.7241px;\">En leasetagare m\u00e5st<span class=\"__11 _617\"/>e g\u00f6ra kritiska bed\u00f6mningar i f<span class=\"__11 _617\"/>r\u00e5ga om </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:640.199px;\">f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tad leasingperiod genom att ta h\u00e4nsyn till alla f<span class=\"__11 _617\"/>ak<span class=\"__11 _617\"/>ta </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:626.67377px;\">och omst\u00e4ndigheter som inneb\u00e4r ett ek<span class=\"__11 _617\"/>onomiskt incitamen<span class=\"__11 _617\"/>t </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:613.14856px;\">att utnyttja r<span class=\"__11 _617\"/>\u00e4tten a<span class=\"__11 _617\"/>tt f\u00f6rl\u00e4nga eller a<span class=\"__11 _617\"/>vsluta a<span class=\"__11 _625\"/>vtalet<span class=\"__11 _626\"/>. Den f\u00f6r-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:599.62335px;\">v\u00e4n<span class=\"__11 _617\"/>tade leasingperioden f\u00f6r a<span class=\"__11 _617\"/>vtal utan sl<span class=\"__11 _617\"/>utdatum bed\u00f6ms p\u00e5 </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:586.09814px;\">samma s\u00e4tt. Bed\u00f6mningen av a<span class=\"__11 _617\"/>vtal som g\u00e4ller bankkon<span class=\"__11 _617\"/>tor </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:572.57294px;\">grundas p\u00e5 begr\u00e4nsningsregler f<span class=\"__11 _617\"/>\u00f6r genomsnittlig f<span class=\"__11 _617\"/>\u00f6rv\u00e4ntad </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:559.0477px;\">l\u00f6ptid f<span class=\"__11 _617\"/>\u00f6r olika typer a<span class=\"__11 _617\"/>v fas<span class=\"__11 _617\"/>tighetsavt<span class=\"__11 _617\"/>al. En mer detaljerad </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:545.5225px;\">analys g\u00f6rs f\u00f6r mer bety<span class=\"__11 _617\"/>dande a<span class=\"__11 _617\"/>vtal. Huvudkontorsa<span class=\"__11 _617\"/>vtal </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:531.9974px;\">bed\u00f6ms vara mer<span class=\"__11 _617\"/>a l\u00e5ngfristiga till sin na<span class=\"__11 _617\"/>tur \u00e4n bankkon<span class=\"__11 _617\"/>toren, </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:518.47217px;\"><span class=\"__11 _624\">vars aff</span><span class=\"__11 _617\"/>\u00e4rsomgivning f\u00f6r<span class=\"__11 _617\"/>\u00e4ndras i en snabbare tak<span class=\"__11 _617\"/>t. Begr\u00e4ns-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:504.94696px;\">ningsregeln f<span class=\"__11 _617\"/>\u00f6r bankkont<span class=\"__11 _617\"/>or begr\u00e4nsar f<span class=\"__11 _617\"/>\u00f6r tillf\u00e4llet l\u00f6p<span class=\"__11 _617\"/>tiden f<span class=\"__11 _617\"/>\u00f6r </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:491.42175px;\">kontr<span class=\"__11 _617\"/>akt ut<span class=\"__11 _617\"/>an slutdatum och k<span class=\"__11 _617\"/>ontr<span class=\"__11 _617\"/>akt med f<span class=\"__11 _617\"/>\u00f6rl\u00e4ngningsoptio-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:477.89655px;\">ner till 5 \u00e5r<span class=\"__11 _617\"/>. Det \u00e4r m\u00f6jligt a<span class=\"__11 _617\"/>tt avvik<span class=\"__11 _617\"/>a fr\u00e5n begr<span class=\"__11 _617\"/>\u00e4nsningsregeln </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:464.37134px;\">om omst\u00e4ndigheterna indik<span class=\"__11 _617\"/>erar att Nor<span class=\"__11 _617\"/>dea kommer att s<span class=\"__11 _617\"/>tan-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:450.84616px;\">na kvar en l\u00e4ngre/kortare tidsperiod. Det r<span class=\"__11 _617\"/>edovisade v<span class=\"__11 _617\"/>\u00e4rdet </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:437.32095px;\">f\u00f6r n<span class=\"__11 _617\"/>yttjander\u00e4tt<span class=\"__11 _617\"/><span class=\"__11 _624\">er var 1 257 mn euro (1 331 mn eur</span><span class=\"__11 _617\"/>o) vid \u00e5rets </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:423.79575px;\">slut.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:377.96643px; bottom:410.27054px;\">En leasegivare m\u00e5s<span class=\"__11 _617\"/>te g\u00f6ra kritiska bed\u00f6mningar vid klas-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:396.74536px;\">si\ufb01ceringen a<span class=\"__11 _617\"/>v leasingavt<span class=\"__11 _617\"/>al. Ett leasingavtal klassi\ufb01cer<span class=\"__11 _617\"/>as som </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:383.22015px;\">\ufb01nansiell leasing om avt<span class=\"__11 _617\"/>alet inneb\u00e4r att i stort sett alla risker </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:369.69495px;\">och r\u00e4ttighet<span class=\"__11 _617\"/>er f\u00f6rknippade med \u00e4gandet \u00f6<span class=\"__11 _617\"/>verf\u00f6rs. Ett lea<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:356.16974px;\">singavtal klassi\ufb01c<span class=\"__11 _617\"/>eras som oper<span class=\"__11 _617\"/>ationellt om a<span class=\"__11 _617\"/>vtalet in<span class=\"__11 _617\"/>te inne-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:342.64456px;\">b\u00e4r att i stort sett alla risker och r<span class=\"__11 _617\"/>\u00e4ttigheter f<span class=\"__11 _617\"/>\u00f6rknippade med </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:365.0711px; bottom:329.11935px;\">\u00e4gandet \u00f6verf<span class=\"__11 _617\"/>\u00f6rs.<span class=\"__11 _624\"> </span></div>161<span class=\"__11 _624\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__11 _624\"> </span>Inledning<span class=\"__11 _616\"> </span><span class=\"__11 _624\">Aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5den<span class=\"__11 _618\"/><span class=\"ws3_10\">V<span class=\"__11 _617\"/>\u00e5ra in<span class=\"__11 _617\"/>tressent<span class=\"__11 _617\"/>er<span class=\"__11 _619\"> </span><span class=\"ff1_11\">Finansiella rapporter<span class=\"__11 _620\"/><span class=\"ff2_11 ws2_10\">F\u00f6rvaltningsber<span class=\"__11 _617\"/>\u00e4ttelse<span class=\"__11 _621\"> </span>H\u00e5llbarhetsnoter<span class=\"__11 _622\"> </span>\u00d6vrigt<span class=\"__11 _623\"/><span class=\"ws3_10\">Strategisk r<span class=\"__11 _617\"/>apport<span class=\"__11 _624\"> </span></span></span></span></span>K5.<span class=\"__11 _617\"/>4  Leasing, forts.<span class=\"__11 _624\"> </span>Nordea som leasegivar<span class=\"__11 _617\"/>e<span class=\"__11 _624\"> </span>Nordeas leasingverksamhet utg\u00f6rs a<span class=\"__11 _617\"/>v \ufb01nansiell leasing. Lea<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>singobjekten ut<span class=\"__11 _617\"/>g\u00f6rs fr\u00e4mst a<span class=\"__11 _625\"/>v fordon, maskiner och annan utrustning.<span class=\"__11 _624\"> </span>I tabellen nedan \ufb01nns en a<span class=\"__11 _617\"/>vst\u00e4mning mellan bruttoin<span class=\"__11 _617\"/>vest<span class=\"__11 _617\"/>e<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ring och nuv\u00e4rdet a<span class=\"__11 _617\"/>v f<span class=\"__11 _617\"/>ordran a<span class=\"__11 _625\"/>vseende framtida minimileasea<span class=\"__11 _617\"/>vgifter<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _8c_3\"> </span>31 dec 2022<span class=\"__11 _8d_3\"> </span>31 dec 2021<span class=\"__11 _624\"> </span>Bruttoinves<span class=\"__11 _617\"/>tering<span class=\"__11 _680\"> </span>10 099<span class=\"__11 _8b_3\"> </span>10 183<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vg\u00e5r ej in<span class=\"__11 _617\"/>tj\u00e4nade \ufb01nansiella int\u00e4k<span class=\"__11 _617\"/>ter<span class=\"__11 _13b_2\"> </span>-1 211<span class=\"__11 _c_10\"> </span>-989<span class=\"__11 _624\"> </span>Nettoinves<span class=\"__11 _617\"/>tering i \ufb01nansiella leasinga<span class=\"__11 _617\"/>vtal<span class=\"__11 _686\"> </span>8 888<span class=\"__11 _2d_5\"> </span>9 194<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vg\u00e5r ej garan<span class=\"__11 _617\"/>terade r<span class=\"__11 _617\"/>estv\u00e4r<span class=\"__11 _617\"/>den som tillfaller leasegivaren<span class=\"__11 _f7_3\"> </span><span class=\"ls0_11 ws0_11\">-10<span class=\"__11 _a5_4\"> </span><span class=\"lsd_9 ws14_10\">-7<span class=\"__11 _624\"> </span></span></span>Nuv\u00e4rde a<span class=\"__11 _617\"/>v for<span class=\"__11 _617\"/>dran a<span class=\"__11 _617\"/>vseende fram<span class=\"__11 _617\"/>tida minimileaseav<span class=\"__11 _617\"/>gifter<span class=\"__11 _704\"> </span>8 878<span class=\"__11 _3b_5\"> </span>9 187<span class=\"__11 _624\"> </span>Reserv f\u00f6r os\u00e4kr<span class=\"__11 _617\"/>a fordringar a<span class=\"__11 _617\"/>vseende minimileaseav<span class=\"__11 _617\"/>gifter<span class=\"__11 _13c_2\"> </span><span class=\"ls6_10 ws8_10\">-21<span class=\"__11 _659\"> </span><span class=\"ls0_11 ws0_11\">-17<span class=\"__11 _624\"> </span></span></span>I \ufb01nansiella leasingkontr<span class=\"__11 _617\"/>akt b\u00e4rs re<span class=\"__11 _617\"/>stv\u00e4r<span class=\"__11 _617\"/>desrisken a<span class=\"__11 _617\"/>v lever<span class=\"__11 _617\"/>an-<span class=\"__11 _624\"> </span>t\u00f6ren eller leasetagar<span class=\"__11 _617\"/>en i enlighet med a<span class=\"__11 _617\"/>vtalsvillkoren.<span class=\"__11 _624\"> </span>Per 31 december 2022 v<span class=\"__11 _617\"/>ar bruttoinv<span class=\"__11 _617\"/>esteringen och nett<span class=\"__11 _617\"/>oin-<span class=\"__11 _624\"> </span>vest<span class=\"__11 _617\"/>eringen f\u00f6r<span class=\"__11 _617\"/>delad efter f<span class=\"__11 _617\"/>\u00f6ljande \u00e5terst\u00e5ende l\u00f6p<span class=\"__11 _617\"/>tid:<span class=\"__11 _624\"> </span>31 dec 2022<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _624\"> </span>Brutto-<span class=\"__11 _624\"> </span>investering<span class=\"__11 _624\"> </span>Netto-<span class=\"__11 _624\"> </span>investering<span class=\"__11 _624\"> </span>2023<span class=\"__11 _13d_2\"> </span>2 839<span class=\"__11 _646\"> </span>2 520<span class=\"__11 _624\"> </span>2024<span class=\"__11 _619\"> </span>2 561<span class=\"__11 _3b_5\"> </span>2 228<span class=\"__11 _624\"> </span>2025<span class=\"__11 _13d_2\"> </span>2 208<span class=\"__11 _5a_3\"> </span>1 919<span class=\"__11 _624\"> </span>2026<span class=\"__11 _619\"> </span>1 492<span class=\"__11 _3b_5\"> </span>1 303<span class=\"__11 _624\"> </span>2027<span class=\"__11 _13e_2\"> </span><span class=\"ls0_11 ws0_11\">513<span class=\"__11 _6a_3\"> </span></span>478<span class=\"__11 _624\"> </span>Senare \u00e5r<span class=\"__11 _8e_3\"> </span>486<span class=\"__11 _8a_3\"> </span>440<span class=\"__11 _624\"> </span>Summa <span class=\"__11 _10d_3\"> </span>10 099<span class=\"__11 _657\"> </span>8 888<span class=\"__11 _624\"> </span>Nordea som leasetagar<span class=\"__11 _617\"/>e<span class=\"__11 _624\"> </span>Leasinga<span class=\"__11 _617\"/>vtalen a<span class=\"__11 _617\"/>vser huvudsakligen kon<span class=\"__11 _617\"/>torslokaler<span class=\"__11 _625\"/>, men ocks\u00e5 tj\u00e4nstebilar<span class=\"__11 _625\"/>, IT<span class=\"__11 _625\"/>-utrustning och andra tillg\u00e5ngar som nor-<span class=\"__11 _624\"> </span>malt beh\u00f6vs i verksamhet<span class=\"__11 _617\"/>en. F<span class=\"__11 _617\"/>astighet<span class=\"__11 _617\"/>erna/lokalerna kan i huvudsak delas in i bankkont<span class=\"__11 _617\"/>or och huvudkont<span class=\"__11 _617\"/>or<span class=\"__11 _625\"/>. Fastighets-<span class=\"__11 _624\"> </span>kontr<span class=\"__11 _617\"/>akt<span class=\"__11 _617\"/>en f\u00f6rval<span class=\"__11 _617\"/>tas aktivt med f<span class=\"__11 _617\"/>okus p\u00e5 ett e<span class=\"__11 _617\"/><span class=\"__11 _624\">ffek</span><span class=\"__11 _617\"/>tivt utnytt-<span class=\"__11 _624\"> </span>jande av utrymmen och p\u00e5 f<span class=\"__11 _617\"/><span class=\"__11 _624\">\u00f6r\u00e4ndringar i aff</span><span class=\"__11 _617\"/>\u00e4rsomgivningen. Leasinga<span class=\"__11 _617\"/>vgifterna utg\u00f6rs normalt a<span class=\"__11 _617\"/>v f<span class=\"__11 _617\"/>asta a<span class=\"__11 _617\"/>vgift<span class=\"__11 _617\"/>er<span class=\"__11 _625\"/>, och i fr\u00e5ga om fram<span class=\"__11 _617\"/>f\u00f6r all<span class=\"__11 _617\"/>t lokaler<span class=\"__11 _617\"/>/fastighet<span class=\"__11 _617\"/>er \u00e4<span class=\"__11 _617\"/>ven r\u00f6rliga a<span class=\"__11 _617\"/>vgift<span class=\"__11 _617\"/>er som \u00e4r kopplade till ett index. Normal<span class=\"__11 _617\"/>t anv\u00e4nds in<span class=\"__11 _617\"/>te r<span class=\"__11 _617\"/>estv\u00e4r<span class=\"__11 _617\"/>des-<span class=\"__11 _624\"> </span>garan<span class=\"__11 _617\"/>tier eller k\u00f6poptioner<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>I tabellen nedan visas kostnader a<span class=\"__11 _617\"/>vseende leasing.<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _11a_4\"> </span>2022<span class=\"__11 _b3_3\"> </span>2021<span class=\"__11 _624\"> </span>Kostnader a<span class=\"__11 _617\"/>vseende kortfris<span class=\"__11 _617\"/>tiga leasingavtal<span class=\"__11 _bc_3\"> </span><span class=\"ls0_11 ws0_11\">-12<span class=\"__11 _659\"> </span>-12<span class=\"__11 _624\"> </span></span>Kostnader a<span class=\"__11 _617\"/>vseende leasing a<span class=\"__11 _617\"/>v tillg\u00e5ngar av l\u00e5gt v\u00e4rde<span class=\"__11 _13f_2\"> </span>0<span class=\"__11 _710\"> </span>0<span class=\"__11 _624\"> </span>Kostnader a<span class=\"__11 _617\"/>vseende variabla leasinga<span class=\"__11 _617\"/>vgift<span class=\"__11 _617\"/>er<span class=\"__11 _e1_3\"> </span><span class=\"ls0_11 ws0_11\">-19<span class=\"__11 _702\"> </span>-1<span class=\"__11 _626\"/>6<span class=\"__11 _624\"> </span></span>R\u00e4ntekos<span class=\"__11 _617\"/>tnad<span class=\"__11 _11b_4\"> </span>-9<span class=\"__11 _661\"> </span>-9<span class=\"__11 _624\"> </span>Int\u00e4k<span class=\"__11 _617\"/>ter fr\u00e5n vidar<span class=\"__11 _617\"/>euthyrning<span class=\"__11 _683\"> </span>2<span class=\"__11 _b6_4\"> </span>2<span class=\"__11 _624\"> </span>Det totala kassautf<span class=\"__11 _617\"/>\u00f6det f<span class=\"__11 _617\"/>\u00f6r leasingavtal<span class=\"__11 _750\"> </span>-163<span class=\"__11 _b3_3\"> </span><span class=\"ls0_11 ws0_11\">-176<span class=\"__11 _624\"> </span></span>I tabellen nedan visas a<span class=\"__11 _617\"/>vtalsenliga odiskon<span class=\"__11 _617\"/>terade kassa<span class=\"__11 _617\"/>fl\u00f6den f\u00f6r leasingsk<span class=\"__11 _617\"/>ulder<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _aa_3\"> </span>31 dec 2022<span class=\"__11 _8d_3\"> </span>31 dec 2021<span class=\"__11 _624\"> </span>H\u00f6gst 1 \u00e5r<span class=\"__11 _8e_3\"> </span>125<span class=\"__11 _692\"> </span>132<span class=\"__11 _624\"> </span>1\u20132 \u00e5<span class=\"__11 _626\"/>r<span class=\"__11 _757\"> </span><span class=\"ls1_11 ws3_10\">95<span class=\"__11 _692\"> </span>122<span class=\"__11 _624\"> </span></span>2\u20135 \u00e5r<span class=\"__11 _758\"> </span>202<span class=\"__11 _6a_3\"> </span>228<span class=\"__11 _624\"> </span>5\u201310 \u00e5r<span class=\"__11 _759\"> </span>306<span class=\"__11 _684\"> </span>288<span class=\"__11 _624\"> </span>10\u201315 \u00e5r<span class=\"__11 _11a_4\"> </span>263<span class=\"__11 _6a_3\"> </span>267<span class=\"__11 _624\"> </span>15\u201320 \u00e5r<span class=\"__11 _760\"> </span>164<span class=\"__11 _713\"> </span><span class=\"lsc_10 ws13_10\">1<span class=\"__11 _626\"/>74<span class=\"__11 _624\"> </span></span>20\u201325 \u00e5r<span class=\"__11 _761\"> </span>10<span class=\"__11 _627\"> </span><span class=\"ls19_9 ws23_8\">25<span class=\"__11 _624\"> </span></span>Summa<span class=\"__11 _762\"> </span>1 165<span class=\"__11 _3b_5\"> </span>1 236<span class=\"__11 _624\"> </span>Mer inf<span class=\"__11 _617\"/>ormation om nyttjander<span class=\"__11 _617\"/>\u00e4tter och l\u00f6p<span class=\"__11 _617\"/>tidsanalys \ufb01nns i not K5.2 \u201dMateriella tillg\u00e5ngar\u201d och i not K10.3 \u201dL\u00f6ptidsanal<span class=\"__11 _617\"/>ys\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Leasingskulden om<span class=\"__11 _617\"/>fa<span class=\"__11 _617\"/>ttar int<span class=\"__11 _617\"/>e uppskattade f<span class=\"__11 _617\"/>ram<span class=\"__11 _617\"/>tida kassa-<span class=\"__11 _624\"> </span>fl\u00f6den f\u00f6r v<span class=\"__11 _617\"/>\u00e4sentliga f<span class=\"__11 _617\"/>ram<span class=\"__11 _617\"/>tida leasing\u00e5taganden som \u00e4nnu inte b\u00f6rja<span class=\"__11 _617\"/>t g\u00e4lla, motsvar<span class=\"__11 _617\"/><span class=\"__11 _624\">ande cirka 115 mn euro vid \u00e5r</span><span class=\"__11 _617\"/>ets slut.<span class=\"__11 _624\"> </span>Nordea bedriver sin verksamhet i h<span class=\"__11 _617\"/>yrda lokaler<span class=\"__11 _625\"/>. Dessa lokaler kan delas in i huvudkon<span class=\"__11 _617\"/>tor<span class=\"__11 _625\"/>, bankkontor och \u00f6vriga lokaler<span class=\"__11 _625\"/>. Den f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tade leasingperioden f<span class=\"__11 _617\"/>\u00f6r de flesta lokaler<span class=\"__11 _625\"/>/<span class=\"__11 _626\"/>fast-<span class=\"__11 _624\"> </span>igheter \u00e4r 1\u2013<span class=\"__11 _617\"/>10 \u00e5r<span class=\"__11 _625\"/>, medan den f\u00f6rv\u00e4ntade leasingperioden f<span class=\"__11 _617\"/>\u00f6r huvudkont<span class=\"__11 _617\"/>oren i de nordiska l\u00e4nderna \u00e4r 10\u2013<span class=\"__11 _617\"/>25 \u00e5r<span class=\"__11 _625\"/>. Dessa kon-<span class=\"__11 _624\"> </span>trak<span class=\"__11 _617\"/>t innefa<span class=\"__11 _617\"/>ttar normalt m\u00f6jlighet till f<span class=\"__11 _617\"/>\u00f6rl\u00e4ngning. Huvudkont<span class=\"__11 _617\"/>orskontr<span class=\"__11 _617\"/>akten har normal<span class=\"__11 _617\"/>t en fas<span class=\"__11 _617\"/>t hyresperiod, medan bankkont<span class=\"__11 _617\"/>orskontr<span class=\"__11 _617\"/>akten an<span class=\"__11 _617\"/>tingen har en f<span class=\"__11 _617\"/>ast hyr<span class=\"__11 _617\"/>espe-<span class=\"__11 _624\"> </span>riod eller g\u00e4ller tillsvidare med en r\u00e4<span class=\"__11 _617\"/>tt att s\u00e4ga upp kon<span class=\"__11 _617\"/>trak<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>tet. Upps\u00e4gningstiden \u00e4r vanligen 6\u201312 m\u00e5nader<span class=\"__11 _625\"/>. Huvudprin-<span class=\"__11 _624\"> </span>cipen \u00e4r att f<span class=\"__11 _617\"/>astighetskon<span class=\"__11 _617\"/>trak<span class=\"__11 _617\"/>ten in<span class=\"__11 _617\"/>te inneh\u00e5ller k\u00f6pop<span class=\"__11 _617\"/>tioner<span class=\"__11 _617\"/>. Bilkontr<span class=\"__11 _617\"/>akt<span class=\"__11 _617\"/>en har vanligtvis en f<span class=\"__11 _617\"/>ast hyr<span class=\"__11 _617\"/>esperiod p\u00e5 mindre <span class=\"__11 _624\">\u00e4n 5 \u00e5r</span><span class=\"__11 _617\"/>. 162<span class=\"__11 _624\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__11 _624\"> </span>Inledning<span class=\"__11 _616\"> </span><span class=\"__11 _624\">Aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5den<span class=\"__11 _618\"/><span class=\"ws3_10\">V<span class=\"__11 _617\"/>\u00e5ra in<span class=\"__11 _617\"/>tressent<span class=\"__11 _617\"/>er<span class=\"__11 _619\"> </span><span class=\"ff1_11\">Finansiella rapporter<span class=\"__11 _620\"/><span class=\"ff2_11 ws2_10\">F\u00f6rvaltningsber<span class=\"__11 _617\"/>\u00e4ttelse<span class=\"__11 _621\"> </span>H\u00e5llbarhetsnoter<span class=\"__11 _622\"> </span>\u00d6vrigt<span class=\"__11 _623\"/><span class=\"ws3_10\">Strategisk r<span class=\"__11 _617\"/>apport<span class=\"__11 _624\"> </span></span></span></span></span>K6 A<span class=\"__11 _625\"/>vs\u00e4ttningar<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vs\u00e4ttningar (s<span class=\"__11 _617\"/>om redovisas som en sk<span class=\"__11 _617\"/>uld) g\u00f6rs n\u00e4r Nordea har en aktuell f<span class=\"__11 _617\"/>\u00f6rplik<span class=\"__11 _617\"/>telse (r\u00e4<span class=\"__11 _617\"/>ttslig eller inf<span class=\"__11 _617\"/>ormell) till f<span class=\"__11 _617\"/>\u00f6ljd av en intr<span class=\"__11 _617\"/><span class=\"__11 _624\">\u00e4ffad h\u00e4ndels</span><span class=\"__11 _617\"/>e om det \u00e4r troligt (det vill s\u00e4ga mer san-<span class=\"__11 _624\"> </span>nolikt \u00e4n in<span class=\"__11 _617\"/>te) a<span class=\"__11 _617\"/>tt ett utfl\u00f6de a<span class=\"__11 _617\"/>v resurser som utg\u00f6r ekonomis-<span class=\"__11 _624\"> </span>ka f\u00f6r<span class=\"__11 _617\"/>delar kommer att kr<span class=\"__11 _617\"/>\u00e4v<span class=\"__11 _617\"/>as f<span class=\"__11 _617\"/>\u00f6r att regler<span class=\"__11 _617\"/>a f\u00f6rplik<span class=\"__11 _617\"/>telsen och att en tillf<span class=\"__11 _617\"/>\u00f6rlitlig uppskattning a<span class=\"__11 _617\"/>v beloppet kan g\u00f6ras. Det belopp som redovisas som en a<span class=\"__11 _625\"/>vs\u00e4ttning \u00e4r den b\u00e4sta upp-<span class=\"__11 _624\"> </span>skattningen a<span class=\"__11 _617\"/>v kostnaden f<span class=\"__11 _617\"/>\u00f6r a<span class=\"__11 _617\"/>tt reglera den ak<span class=\"__11 _617\"/>tuella f<span class=\"__11 _617\"/>\u00f6rplik-<span class=\"__11 _624\"> </span>telsen vid rapportperiodens slut.<span class=\"__11 _624\"> </span>Redovisningsprinciper som a<span class=\"__11 _617\"/>vser ers\u00e4ttningar till ans<span class=\"__11 _617\"/>t\u00e4llda beskrivs n\u00e4rmare i not K8 \u201dErs\u00e4ttning till ans<span class=\"__11 _617\"/>t\u00e4llda och ny<span class=\"__11 _617\"/>ck-<span class=\"__11 _624\"> </span>elpersoner i ledande positioner<span class=\"__11 _626\"/>\u201d och \ufb01nansiella garantia<span class=\"__11 _617\"/>vtal och kreditl\u00f6ften beskrivs i no<span class=\"__11 _617\"/>t K7 \u201dPos<span class=\"__11 _617\"/>ter utan<span class=\"__11 _617\"/>f\u00f6r balansr<span class=\"__11 _617\"/>\u00e4k-<span class=\"__11 _624\"> </span>ningen\u201d<span class=\"__11 _625\"/>. Redovisningsprinciper f<span class=\"__11 _617\"/>\u00f6r avs\u00e4<span class=\"__11 _617\"/>ttningar a<span class=\"__11 _617\"/>vseende poster utan<span class=\"__11 _617\"/>f\u00f6r balansr<span class=\"__11 _617\"/>\u00e4kningen \ufb01nns i not K3.<span class=\"__11 _617\"/>7 \u201dUtl\u00e5ning\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__11 _617\"/>ttningar Inom ramen f<span class=\"__11 _617\"/><span class=\"__11 _624\">\u00f6r den normala aff</span><span class=\"__11 _617\"/>\u00e4rsverksamheten \u00e4r Nordea f\u00f6r<span class=\"__11 _617\"/>em\u00e5l f\u00f6r ett an<span class=\"__11 _617\"/>tal kra<span class=\"__11 _617\"/>v i civilr<span class=\"__11 _617\"/>\u00e4ttsliga st\u00e4mningar och tvis<span class=\"__11 _617\"/>ter<span class=\"__11 _625\"/>, vara<span class=\"__11 _617\"/>v de fles<span class=\"__11 _617\"/>ta r\u00f6r rela<span class=\"__11 _617\"/>tivt begr\u00e4nsade belopp, sam<span class=\"__11 _617\"/>t ev<span class=\"__11 _617\"/>entu-<span class=\"__11 _624\"> </span>ella b\u00f6tesf<span class=\"__11 _617\"/>\u00f6rel\u00e4gganden till f<span class=\"__11 _617\"/>\u00f6ljd a<span class=\"__11 _617\"/>v ex<span class=\"__11 _617\"/>empel<span class=\"__11 _617\"/>vis tidigare svaga processer och rutiner f<span class=\"__11 _617\"/>\u00f6r bek\u00e4mpning a<span class=\"__11 _617\"/>v penningtv\u00e4<span class=\"__11 _617\"/>tt (anti-<span class=\"__11 _624\"> </span>money laundering, <span class=\"__11 _617\"/>AML). Ingen av de p\u00e5g\u00e5ende tvis<span class=\"__11 _617\"/>terna bed\u00f6ms f\u00f6r n\u00e4rvar<span class=\"__11 _617\"/>ande komma att medf<span class=\"__11 _617\"/>\u00f6ra n\u00e5gon v<span class=\"__11 _617\"/>\u00e4sentlig <span class=\"__11 _624\">negativ eff</span><span class=\"__11 _617\"/>ekt p\u00e5 Nor<span class=\"__11 _617\"/>dea eller dess \ufb01nansiella st\u00e4llning. Som tidigare meddelats r<span class=\"__11 _617\"/>\u00e4knar Nordea med b\u00f6ter i Danmark f<span class=\"__11 _617\"/>\u00f6r tidigare svaga <span class=\"__11 _617\"/>AML<span class=\"__11 _625\"/>-processer och rutiner<span class=\"__11 _625\"/>, och en avs\u00e4ttning har gjorts f\u00f6r p\u00e5g\u00e5ende penningtv\u00e4<span class=\"__11 _617\"/>tts\u00e4renden. Nordea kan in<span class=\"__11 _617\"/>te utesluta risk<span class=\"__11 _617\"/>en f\u00f6r b\u00f6<span class=\"__11 _617\"/>ter som skulle k<span class=\"__11 _617\"/>unna p\u00e5v<span class=\"__11 _617\"/>erka bankens \ufb01nansiella resul<span class=\"__11 _617\"/>tat. Vissa av dessa utr<span class=\"__11 _617\"/>edningar skulle ocks\u00e5 kunna l<span class=\"__11 _617\"/>eda till st\u00e4mningar<span class=\"__11 _625\"/>. Se \u00e4ven no<span class=\"__11 _617\"/>t K11 \u201dRisk- och likvidit<span class=\"__11 _617\"/>etshantering\u201d<span class=\"__11 _625\"/>, avsnitt 6 \u201dR<span class=\"__11 _617\"/>egelefterlevnadsrisk\u201d<span class=\"__11 _625\"/>, och not K7<span class=\"__11 _625\"/>.<span class=\"__11 _625\"/>1 \u201dE<span class=\"__11 _617\"/>ventualf<span class=\"__11 _617\"/>\u00f6rplik<span class=\"__11 _617\"/>telser\u201d<span class=\"__11 _617\"/>.<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vs\u00e4<span class=\"__11 _617\"/>ttningar<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _8c_3\"> </span>31 dec 2022<span class=\"__11 _8d_3\"> </span>31 dec 2021<span class=\"__11 _624\"> </span>Omstruktur<span class=\"__11 _617\"/>eringskostnader<span class=\"__11 _683\"> </span>78<span class=\"__11 _713\"> </span>127<span class=\"__11 _624\"> </span>Garantier<span class=\"__11 _617\"/>/<span class=\"__11 _625\"/>\u00e5taganden<span class=\"__11 _716\"> </span>184<span class=\"__11 _6c_3\"> </span>183<span class=\"__11 _624\"> </span>\u00d6vriga<span class=\"__11 _733\"> </span>89<span class=\"__11 _6a_3\"> </span>104<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _763\"> </span><span class=\"ls0_11 ws0_11\">351<span class=\"__11 _6a_3\"> </span>414<span class=\"__11 _624\"> </span></span>Reserven f<span class=\"__11 _617\"/>\u00f6r omstruk<span class=\"__11 _617\"/>tureringskos<span class=\"__11 _617\"/>tnader utnyttjades med <span class=\"__11 _624\">68 mn euro under 2022 och ny</span><span class=\"__11 _617\"/>a avs\u00e4<span class=\"__11 _617\"/><span class=\"__11 _624\">ttningar p\u00e5 27 mn euro </span>gjordes under \u00e5ret. Den \u00e5terst\u00e5ende r<span class=\"__11 _617\"/>eserven a<span class=\"__11 _617\"/>vser personal-<span class=\"__11 _624\"> </span>relater<span class=\"__11 _617\"/>ade kostnader (68 mn eur<span class=\"__11 _617\"/>o) och lokalr<span class=\"__11 _617\"/>elater<span class=\"__11 _617\"/>ade kost-<span class=\"__11 _624\"> </span><span class=\"__11 _624\">nader (10 mn euro). </span>De personalrelater<span class=\"__11 _617\"/>ade kostnaderna \u00e4r huvudsakligen h\u00e4n-<span class=\"__11 _624\"> </span>f\u00f6rliga till bank<span class=\"__11 _617\"/><span class=\"__11 _624\">ens nya aff</span><span class=\"__11 _617\"/>\u00e4rsplan och inkluderar n<span class=\"__11 _617\"/>ya \ufb01nan-<span class=\"__11 _624\"> </span>siella m\u00e5l, som till stor del initierades 2019, men d\u00e4r utbet<span class=\"__11 _617\"/>al-<span class=\"__11 _624\"> </span>ningar fortfar<span class=\"__11 _617\"/>ande sker<span class=\"__11 _625\"/>. A<span class=\"__11 _625\"/>v den totala omstruktur<span class=\"__11 _617\"/>eringsreser-<span class=\"__11 _624\"> </span>ven p\u00e5 78 mn euro, f<span class=\"__11 _617\"/>\u00f6rv\u00e4n<span class=\"__11 _617\"/>tas 50 mn euro utnyttjas under 2023. Alla personalrelat<span class=\"__11 _617\"/>erade ak<span class=\"__11 _617\"/>tiviteter f<span class=\"__11 _617\"/>\u00f6rv\u00e4ntas genom-<span class=\"__11 _624\"> </span>f\u00f6r<span class=\"__11 _617\"/>as under 2023, men betalningarna kommer sannolikt a<span class=\"__11 _617\"/>tt forts\u00e4tta in p\u00e5 202<span class=\"__11 _617\"/>4. Som f<span class=\"__11 _617\"/>\u00f6r alla reserver \ufb01nns en os\u00e4kerhet kring tidpunkt och belopp<span class=\"__11 _617\"/>. Denna os\u00e4kerhet f<span class=\"__11 _617\"/>\u00f6rv\u00e4ntas minska allteftersom planen v<span class=\"__11 _617\"/>erkst\u00e4lls.<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vs\u00e4ttningar f<span class=\"__11 _617\"/>\u00f6r kreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter g\u00e4llande post<span class=\"__11 _617\"/>er utanf<span class=\"__11 _617\"/>\u00f6r <span class=\"__11 _624\">balansr\u00e4kningen uppgick till 184 mn euro (183 mn eur</span><span class=\"__11 _617\"/>o). Mer inf<span class=\"__11 _617\"/>ormation om dessa a<span class=\"__11 _617\"/>vs\u00e4ttningar \ufb01nns i no<span class=\"__11 _617\"/>t K11 \u201dRisk- och likviditetshant<span class=\"__11 _617\"/>ering\u201d<span class=\"__11 _625\"/>, avsnitt 2 \u201dKreditrisk\u201d<span class=\"__11 _625\"/>, och i not K7 \u201dP<span class=\"__11 _617\"/>os-<span class=\"__11 _624\"> </span>ter utanf<span class=\"__11 _617\"/>\u00f6r balansr\u00e4kningen\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Mer inf<span class=\"__11 _617\"/>ormation om de <span class=\"__11 _617\"/>AML<span class=\"__11 _625\"/>-relater<span class=\"__11 _617\"/>ade avs\u00e4<span class=\"__11 _617\"/>ttningarna \ufb01nns i not K11 \u201dRisk<span class=\"__11 _617\"/>- och likviditetshant<span class=\"__11 _617\"/>ering\u201d<span class=\"__11 _625\"/>, avsnitt 6.2 \u201dBek\u00e4mpning av ek<span class=\"__11 _617\"/>obrott\u201d<span class=\"__11 _625\"/>. Omstruktureringsk<span class=\"__11 _617\"/>ostnader<span class=\"__11 _2d_5\"> </span>\u00d6vriga<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _ad_3\"> </span>2022<span class=\"__11 _650\"> </span>2021<span class=\"__11 _703\"> </span>2022<span class=\"__11 _650\"> </span>2021<span class=\"__11 _624\"> </span>Vid \u00e5rets b\u00f6rjan<span class=\"__11 _12d_2\"> </span>127<span class=\"__11 _646\"> </span><span class=\"ls6_10 ws8_10\">245<span class=\"__11 _3b_5\"> </span></span>104<span class=\"__11 _5a_3\"> </span>115<span class=\"__11 _624\"> </span>Nya a<span class=\"__11 _617\"/>vs\u00e4ttningar<span class=\"__11 _ce_4\"> </span>27<span class=\"__11 _738\"> </span>26<span class=\"__11 _af_4\"> </span>1<span class=\"__11 _745\"> </span>13<span class=\"__11 _624\"> </span>Utnyttjat<span class=\"__11 _764\"> </span>-68<span class=\"__11 _703\"> </span>-107<span class=\"__11 _691\"> </span><span class=\"ls0_11 ws0_11\">-14<span class=\"__11 _5a_3\"> </span><span class=\"ls6_10 ws8_10\">-20<span class=\"__11 _624\"> </span></span></span>\u00c5terf\u00f6rt<span class=\"__11 _10f_3\"> </span>-5<span class=\"__11 _2b_5\"> </span>-38<span class=\"__11 _6a_3\"> </span><span class=\"ls0_11 ws0_11\">-1<span class=\"__11 _8a_3\"> </span></span>-9<span class=\"__11 _624\"> </span>Omklassi\ufb01ceringar<span class=\"__11 _765\"> </span>\u2013<span class=\"__11 _713\"> </span>\u2013<span class=\"__11 _692\"> </span>\u2013<span class=\"__11 _634\"> </span>5<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Omr\u00e4kningsdiff</span><span class=\"__11 _617\"/>erenser<span class=\"__11 _e9_4\"> </span>-3<span class=\"__11 _659\"> </span>1<span class=\"__11 _6a_3\"> </span><span class=\"ls0_11 ws0_11\">-1<span class=\"__11 _702\"> </span></span>0<span class=\"__11 _624\"> </span>Vid \u00e5rets slut<span class=\"__11 _766\"> </span>78<span class=\"__11 _2b_5\"> </span>127<span class=\"__11 _2f_5\"> </span>89<span class=\"__11 _2d_5\"> </span>104<span class=\"__11 _624\"> </span>163<span class=\"__11 _624\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__11 _624\"> </span>Inledning<span class=\"__11 _616\"> </span><span class=\"__11 _624\">Aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5den<span class=\"__11 _618\"/><span class=\"ws3_10\">V<span class=\"__11 _617\"/>\u00e5ra in<span class=\"__11 _617\"/>tressent<span class=\"__11 _617\"/>er<span class=\"__11 _619\"> </span><span class=\"ff1_11\">Finansiella rapporter<span class=\"__11 _620\"/><span class=\"ff2_11 ws2_10\">F\u00f6rvaltningsber<span class=\"__11 _617\"/>\u00e4ttelse<span class=\"__11 _621\"> </span>H\u00e5llbarhetsnoter<span class=\"__11 _622\"> </span>\u00d6vrigt<span class=\"__11 _623\"/><span class=\"ws3_10\">Strategisk r<span class=\"__11 _617\"/>apport<span class=\"__11 _624\"> </span></span></span></span></span>K7 <span class=\"__11 _e3_3\"> </span>P<span class=\"__11 _617\"/>oster utan<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>\u00f6r balansr<span class=\"__11 _617\"/>\u00e4kningen<span class=\"__11 _624\"> </span>K7<span class=\"__11 _625\"/>.<span class=\"__11 _625\"/>1 E<span class=\"__11 _625\"/>ventualf<span class=\"__11 _617\"/>\u00f6rplik<span class=\"__11 _617\"/>telser<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>En even<span class=\"__11 _617\"/>tualf\u00f6rplik<span class=\"__11 _617\"/>telse \u00e4r: \u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">en m\u00f6jlig f\u00f6rplik<span class=\"__11 _617\"/>telse v<span class=\"__11 _617\"/>ars f\u00f6rek<span class=\"__11 _617\"/>omst endast kan k<span class=\"__11 _617\"/>omma att </span>bekr\u00e4ftas a<span class=\"__11 _617\"/>v en eller fler<span class=\"__11 _617\"/>a fram<span class=\"__11 _617\"/>tida h\u00e4ndelser som in<span class=\"__11 _617\"/>te helt ligger inom <span class=\"ws3_10\">Nordea</span>s kon<span class=\"__11 _617\"/>troll, eller<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">en be\ufb01ntlig f<span class=\"__11 _617\"/>\u00f6rplik<span class=\"__11 _617\"/>telse som in<span class=\"__11 _617\"/>te redovisas e<span class=\"__11 _617\"/>ftersom det inte </span>\u00e4r sannolikt a<span class=\"__11 _617\"/>tt ett utfl\u00f6de av r<span class=\"__11 _617\"/>esurser kommer att kr<span class=\"__11 _617\"/>\u00e4v<span class=\"__11 _617\"/>as f<span class=\"__11 _617\"/>\u00f6r att regler<span class=\"__11 _617\"/>a f\u00f6rplik<span class=\"__11 _617\"/>telsen eller det in<span class=\"__11 _617\"/>te g\u00e5r a<span class=\"__11 _617\"/>tt g\u00f6ra en tillr\u00e4ck<span class=\"__11 _617\"/><span class=\"ws3_10\">-<span class=\"__11 _624\"> </span></span>ligt tillf\u00f6rlitlig uppska<span class=\"__11 _617\"/>ttning a<span class=\"__11 _617\"/>v beloppet. E<span class=\"__11 _617\"/>ventualf<span class=\"__11 _617\"/>\u00f6rplik<span class=\"__11 _617\"/>telser redo<span class=\"__11 _617\"/>visas int<span class=\"__11 _617\"/>e som skulder i balansr<span class=\"__11 _617\"/>\u00e4k-<span class=\"__11 _624\"> </span>ningen utan presen<span class=\"__11 _617\"/>teras s<span class=\"__11 _617\"/>om en post utan<span class=\"__11 _617\"/>f\u00f6r balansr<span class=\"__11 _617\"/>\u00e4kningen, s\u00e5vida in<span class=\"__11 _617\"/>te sannolikheten f<span class=\"__11 _617\"/>\u00f6r ett utfl\u00f6de \u00e4r ytterst lit<span class=\"__11 _617\"/>en.<span class=\"__11 _624\"> </span>N\u00e4r det \u00e4r mer sannolikt \u00e4n in<span class=\"__11 _617\"/>te att ett utfl\u00f6de kan sk<span class=\"__11 _617\"/>e g\u00f6rs en avs\u00e4<span class=\"__11 _617\"/>ttning som redovisas i balansr<span class=\"__11 _617\"/>\u00e4kningen. Redo<span class=\"__11 _617\"/>visnings-<span class=\"__11 _624\"> </span>principerna f\u00f6r a<span class=\"__11 _617\"/>vs\u00e4ttningar \ufb01nns i no<span class=\"__11 _617\"/>t K6 \u201d<span class=\"__11 _625\"/>A<span class=\"__11 _625\"/>vs\u00e4ttningar<span class=\"__11 _626\"/>\u201d<span class=\"__11 _617\"/>.<span class=\"__11 _624\"> </span>Garan<span class=\"__11 _617\"/>tier och remburser redovisas i balansr<span class=\"__11 _617\"/>\u00e4kningen enligt kra<span class=\"__11 _617\"/>ven f<span class=\"__11 _617\"/>\u00f6r f<span class=\"__11 _617\"/>\u00f6rv\u00e4ntade kreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter<span class=\"__11 _625\"/>, som beskrivs n\u00e4rmare i not K3.<span class=\"__11 _617\"/>7 \u201dUtl\u00e5ning\u201d<span class=\"__11 _625\"/>. F\u00f6r\u00e4ndringar i a<span class=\"__11 _617\"/>vs\u00e4ttningar r<span class=\"__11 _617\"/>edovisas i resulta<span class=\"__11 _617\"/>tr\u00e4kningen under post<span class=\"__11 _617\"/>en \u201dKreditf<span class=\"__11 _617\"/>\u00f6rluster<span class=\"__11 _625\"/>, netto\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Erh\u00e5llna premier f<span class=\"__11 _617\"/>\u00f6r \ufb01nansiella garan<span class=\"__11 _617\"/>tiavtal f<span class=\"__11 _617\"/>\u00f6rdelas \u00f6<span class=\"__11 _617\"/>ver garan<span class=\"__11 _617\"/>tiperioden och redovisas i re<span class=\"__11 _617\"/>sultatr<span class=\"__11 _617\"/>\u00e4kningen som \u201d<span class=\"__11 _625\"/>A<span class=\"__11 _625\"/>vgifts- och provisionsint\u00e4k<span class=\"__11 _617\"/>ter\u201d<span class=\"__11 _617\"/>. Garan<span class=\"__11 _617\"/>ti- och l\u00f6ft<span class=\"__11 _617\"/>esbeloppen redovisas utan<span class=\"__11 _617\"/>f\u00f6r balansr<span class=\"__11 _617\"/>\u00e4kningen, netto efter a<span class=\"__11 _617\"/>v<span class=\"__11 _617\"/>drag f<span class=\"__11 _617\"/>\u00f6r even-<span class=\"__11 _624\"> </span>tuella avs\u00e4<span class=\"__11 _617\"/>ttningar<span class=\"__11 _624\"> </span><span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>T<span class=\"__11 _625\"/>abellen nedan omf<span class=\"__11 _617\"/>attar alla l\u00e4mnade gar<span class=\"__11 _617\"/>antier<span class=\"__11 _625\"/>, \u00e4ven s\u00e5dana d\u00e4r sannolikheten f\u00f6r ett utfl<span class=\"__11 _617\"/>\u00f6de av r<span class=\"__11 _617\"/>esurser bed\u00f6ms vara ytt<span class=\"__11 _617\"/>erst liten.<span class=\"__11 _624\"> </span>E<span class=\"__11 _617\"/>ventualf<span class=\"__11 _617\"/>\u00f6rplik<span class=\"__11 _617\"/>telser<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _643\"> </span>31 dec 2022<span class=\"__11 _644\"> </span>31 dec 2021<span class=\"__11 _624\"> </span>Kreditgaran<span class=\"__11 _617\"/>tier<span class=\"__11 _14a_1\"> </span>2 486<span class=\"__11 _648\"> </span>4 259<span class=\"__11 _624\"> </span>\u00d6vriga garantier<span class=\"__11 _680\"> </span>18 000<span class=\"__11 _6d_3\"> </span>17 684<span class=\"__11 _624\"> </span>Remburser<span class=\"__11 _658\"> </span>598<span class=\"__11 _634\"> </span>830<span class=\"__11 _624\"> </span>\u00d6vriga eventualf<span class=\"__11 _617\"/>\u00f6rplik<span class=\"__11 _617\"/>telser<span class=\"__11 _14b_1\"> </span><span class=\"ls1a_8 ws25_8\">79<span class=\"__11 _686\"> </span></span>13<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _10d_3\"> </span>21 163<span class=\"__11 _657\"> </span>22 786<span class=\"__11 _624\"> </span>Inom ramen f<span class=\"__11 _617\"/><span class=\"__11 _624\">\u00f6r den normala aff</span><span class=\"__11 _617\"/>\u00e4rsverksamheten utf<span class=\"__11 _617\"/>\u00e4rdar Nordea olika f<span class=\"__11 _617\"/>ormer av gar<span class=\"__11 _617\"/>antier till f<span class=\"__11 _617\"/>\u00f6rm\u00e5n f<span class=\"__11 _617\"/>\u00f6r Nordeas k<span class=\"__11 _617\"/>un-<span class=\"__11 _624\"> </span>der<span class=\"__11 _625\"/>. Kreditgarantier l\u00e4mnas till kunder f<span class=\"__11 _617\"/>\u00f6r a<span class=\"__11 _617\"/>tt garant<span class=\"__11 _617\"/>era \u00e5t<span class=\"__11 _617\"/>agan-<span class=\"__11 _624\"> </span>den i andra kredit- och pensionsins<span class=\"__11 _617\"/>titut. \u00d6vriga garantier utg\u00f6rs fr\u00e4ms<span class=\"__11 _617\"/>t av k<span class=\"__11 _617\"/>ommersiella garantier s\u00e5s<span class=\"__11 _617\"/>om anbudsgaran-<span class=\"__11 _624\"> </span>tier<span class=\"__11 _625\"/>, garantier avs<span class=\"__11 _617\"/>eende f\u00f6rsko<span class=\"__11 _617\"/>ttsbetalningar<span class=\"__11 _625\"/>, garantier under ansvarstiden och e<span class=\"__11 _617\"/>xportrelater<span class=\"__11 _617\"/>ade garan<span class=\"__11 _617\"/>tier<span class=\"__11 _625\"/>. Eventualf<span class=\"__11 _617\"/>\u00f6rplik<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>telser omf<span class=\"__11 _617\"/>att<span class=\"__11 _617\"/>ar ocks\u00e5 outnyttjade o\u00e5terk<span class=\"__11 _617\"/>alleliga importrembur-<span class=\"__11 _624\"> </span>ser och bekr\u00e4ftade e<span class=\"__11 _617\"/>xportremburser<span class=\"__11 _625\"/>. Dessa transaktioner ing\u00e5r i Nordeas tj\u00e4nster och \u00e4r till s<span class=\"__11 _617\"/>t\u00f6d f<span class=\"__11 _617\"/>\u00f6r bankens kunder<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Nordea<span class=\"ws3_10\"> Bank Abp har gen<span class=\"__11 _617\"/>temo<span class=\"__11 _617\"/>t vissa personer \u00e5tagit sig att </span>under vissa f\u00f6ruts\u00e4<span class=\"__11 _617\"/>ttningar svara f<span class=\"__11 _617\"/>\u00f6r ev<span class=\"__11 _617\"/>entuell betalningsskyldig<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>het som har uppkommit i deras egenskap a<span class=\"__11 _617\"/>v v<span class=\"__11 _617\"/>erkst\u00e4llande direk<span class=\"__11 _617\"/><span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>t\u00f6rer eller styr<span class=\"__11 _617\"/>elseledam\u00f6ter i do<span class=\"__11 _617\"/>tterf\u00f6r<span class=\"__11 _617\"/>etag till <span class=\"ws19_9\">Nordea<span class=\"ws26_8\"> Bank Abp.<span class=\"__11 _624\"> </span></span></span>Nordea Bank Abp har \u00e5<span class=\"__11 _617\"/>tagit sig att ers\u00e4tt<span class=\"__11 _617\"/>a medlemmarna i koncernledningen f<span class=\"__11 _617\"/>\u00f6r utgifter i samband med juridisk r<span class=\"__11 _617\"/>\u00e5dgiv-<span class=\"__11 _624\"> </span>ning f\u00f6r a<span class=\"__11 _617\"/>tt f\u00f6rsvar<span class=\"__11 _617\"/>a sig emot eller bes<span class=\"__11 _617\"/>trida vissa st\u00e4mningar eller utredningar fr<span class=\"__11 _617\"/>\u00e5n tredje part, dock med undantag f\u00f6r br<span class=\"__11 _617\"/>ott eller handlingar som beg\u00e5tts upps\u00e5tligen eller a<span class=\"__11 _625\"/>v grov oakt-<span class=\"__11 _624\"> </span>samhet. Ers\u00e4ttningen f\u00f6r respek<span class=\"__11 _617\"/>tive medlem i konc<span class=\"__11 _617\"/>ernledning-<span class=\"__11 _624\"> </span>en kan som h\u00f6gst uppg\u00e5 till 37<span class=\"__11 _625\"/>,5 mn euro, s\u00e5<span class=\"__11 _617\"/>vida in<span class=\"__11 _617\"/>te styr<span class=\"__11 _617\"/>elsen fr\u00e5n f<span class=\"__11 _617\"/>all till f<span class=\"__11 _617\"/>all beslutar annat. Nordea k\u00f6per ansv<span class=\"__11 _617\"/>arsf\u00f6rs\u00e4kring f\u00f6r ledande bef<span class=\"__11 _617\"/>attningsha<span class=\"__11 _617\"/>v<span class=\"__11 _617\"/>are som t\u00e4cker personligt skade-<span class=\"__11 _624\"> </span>st\u00e5ndsansvar f<span class=\"__11 _617\"/>\u00f6r s<span class=\"__11 _617\"/>tyrelseledam\u00f6t<span class=\"__11 _617\"/>er och ledande befa<span class=\"__11 _617\"/>ttningsha<span class=\"ws3_10\">-<span class=\"__11 _624\"> </span></span>vare sam<span class=\"__11 _617\"/>t det ansvar som bank<span class=\"__11 _617\"/>en har till f\u00f6ljd a<span class=\"__11 _617\"/>v sitt \u00e5t<span class=\"__11 _617\"/>agande<span class=\"__11 _624\"> </span>om gottg\u00f6rels<span class=\"__11 _617\"/>e. F\u00f6rs\u00e4kringsvillkor<span class=\"__11 _617\"/>en, inklusive maximalt ska<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>dest\u00e5ndsbelopp, \u00e4r i niv<span class=\"__11 _617\"/>\u00e5 med andra s<span class=\"__11 _617\"/>tora eur<span class=\"__11 _617\"/>opeiska banker<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Den ordinarie bolagsst\u00e4mman 2022 besl<span class=\"__11 _617\"/>utade ocks\u00e5 att bolaget ska betala eller ers\u00e4tta styr<span class=\"__11 _617\"/>elseledam\u00f6terna f<span class=\"__11 _617\"/>\u00f6r alla kostnader och utgift<span class=\"__11 _617\"/>er som a<span class=\"__11 _617\"/>vser eller uppst\u00e5r med anledning av s<span class=\"__11 _617\"/>tyrelseuppdr<span class=\"__11 _617\"/>aget, s\u00e5som resor<span class=\"__11 _617\"/>, logis<span class=\"__11 _617\"/>tik och boende liksom kostnader f<span class=\"__11 _617\"/>\u00f6r r\u00e5dgivning, r<span class=\"__11 _617\"/>\u00e4ttshj\u00e4lp och administr<span class=\"__11 _617\"/>ation. K<span class=\"__11 _617\"/>ostna<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>derna f\u00f6r r<span class=\"__11 _617\"/>\u00e4ttshj\u00e4lp kan e<span class=\"__11 _617\"/>xempel<span class=\"__11 _617\"/>vis innef<span class=\"__11 _617\"/>atta advok<span class=\"__11 _617\"/>atkos<span class=\"__11 _617\"/>tna-<span class=\"__11 _624\"> </span>der i samband med anspr\u00e5k som rik<span class=\"__11 _617\"/>tats mo<span class=\"__11 _617\"/>t en styrelseleda<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>mot, f\u00f6rutsatt a<span class=\"__11 _617\"/>tt ledamoten in<span class=\"__11 _617\"/>te funnits ansv<span class=\"__11 _617\"/>arig f<span class=\"__11 _617\"/>\u00f6r felak<span class=\"__11 _617\"/>tigt agerande eller gro<span class=\"__11 _617\"/>v oaktsamhet.<span class=\"__11 _624\"> </span>En begr\u00e4nsad andel a<span class=\"__11 _617\"/>v de anst\u00e4llda har r<span class=\"__11 _617\"/>\u00e4tt till a<span class=\"__11 _617\"/>vg\u00e5ngsve-<span class=\"__11 _624\"> </span>derlag om de avsk<span class=\"__11 _617\"/>edas f\u00f6r<span class=\"__11 _617\"/>e deras normala pensions\u00e5lder<span class=\"__11 _625\"/>. F\u00f6r ytterligare in<span class=\"__11 _617\"/>forma<span class=\"__11 _617\"/>tion, se not K8.4 \u201dErs\u00e4ttning till ny<span class=\"__11 _617\"/>ckelperso-<span class=\"__11 _624\"> </span>ner i ledande positioner<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Inom ramen f<span class=\"__11 _617\"/><span class=\"__11 _624\">\u00f6r den normala aff</span><span class=\"__11 _617\"/>\u00e4rsverksamheten \u00e4r <span class=\"ws27_8\">Nordea</span><span class=\"ls1_11\"> </span>f\u00f6r<span class=\"__11 _617\"/>em\u00e5l f\u00f6r ett an<span class=\"__11 _617\"/>tal kra<span class=\"__11 _617\"/>v i civilr<span class=\"__11 _617\"/>\u00e4ttsliga st\u00e4mningar och tvis<span class=\"__11 _617\"/>ter<span class=\"__11 _625\"/>,<span class=\"__11 _626\"/> vara<span class=\"__11 _617\"/>v de fles<span class=\"__11 _617\"/>ta r\u00f6r rela<span class=\"__11 _617\"/>tivt begr\u00e4nsade belopp, sam<span class=\"__11 _617\"/>t ev<span class=\"__11 _617\"/>entuella b\u00f6tesf<span class=\"__11 _617\"/>\u00f6rel\u00e4gganden till f<span class=\"__11 _617\"/>\u00f6ljd a<span class=\"__11 _617\"/>v ex<span class=\"__11 _617\"/>empel<span class=\"__11 _617\"/>vis tidigare svaga pr<span class=\"__11 _617\"/>oces<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ser och rutiner f\u00f6r bek\u00e4mpning a<span class=\"__11 _625\"/>v penningtv\u00e4tt. Ingen av de p\u00e5g\u00e5ende tvisterna bed\u00f6ms f<span class=\"__11 _617\"/>\u00f6r n\u00e4rvarande komma a<span class=\"__11 _617\"/>tt medf<span class=\"__11 _617\"/>\u00f6ra n\u00e5gon v\u00e4sen<span class=\"__11 _617\"/><span class=\"__11 _624\">tlig negativ eff</span><span class=\"__11 _617\"/>ekt p\u00e5 <span class=\"ws27_8\">Nor<span class=\"__11 _617\"/>dea<span class=\"ws3_10\"> eller dess \ufb01nansiella </span></span>st\u00e4llning. Som tidigare meddela<span class=\"__11 _617\"/>ts r\u00e4knar <span class=\"ws27_8\">Nordea</span> med b\u00f6<span class=\"__11 _617\"/>ter i Dan<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>mark f\u00f6r tidigar<span class=\"__11 _617\"/>e svaga proce<span class=\"__11 _617\"/>sser och rutiner f\u00f6r bek<span class=\"__11 _617\"/>\u00e4mpning av penningtv\u00e4tt, och en avs\u00e4<span class=\"__11 _617\"/>ttning har gjorts f\u00f6r p\u00e5g\u00e5ende penning<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>tv\u00e4tts\u00e4r<span class=\"__11 _617\"/>enden. Nor<span class=\"__11 _617\"/>dea<span class=\"ws3_10\"> kan inte ut<span class=\"__11 _617\"/>esluta risken f<span class=\"__11 _617\"/>\u00f6r b\u00f6t<span class=\"__11 _617\"/>er som skul<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></span>le kunna p\u00e5<span class=\"__11 _617\"/>verka bankens \ufb01nansiella r<span class=\"__11 _617\"/>esulta<span class=\"__11 _617\"/>t. Vissa av dessa utredningar skulle ocks\u00e5 k<span class=\"__11 _617\"/>unna leda till st\u00e4mningar<span class=\"__11 _625\"/>. Se \u00e4ven no<span class=\"__11 _617\"/>t K11 \u201dRisk- och likviditetshan<span class=\"__11 _617\"/>tering\u201d och no<span class=\"__11 _617\"/>t K6 \u201d<span class=\"__11 _625\"/>A<span class=\"__11 _625\"/>vs\u00e4ttningar<span class=\"__11 _626\"/>\u201d<span class=\"__11 _617\"/>.<span class=\"__11 _624\"> </span>K7<span class=\"__11 _625\"/>.2 \u00c5taganden<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>\u00c5taganden \u00e4r o\u00e5terkalleliga l\u00f6<span class=\"__11 _617\"/>ften om att bevilja kr<span class=\"__11 _617\"/>editer eller g\u00f6ra andra typer a<span class=\"__11 _617\"/>v betalningar i f<span class=\"__11 _617\"/>ram<span class=\"__11 _617\"/>tiden. \u00c4<span class=\"__11 _625\"/>ven outnyttjade krediter redo<span class=\"__11 _617\"/>visas som \u00e5taganden.<span class=\"__11 _624\"> </span>O\u00e5terkalleliga kr<span class=\"__11 _617\"/>editl\u00f6ften redo<span class=\"__11 _617\"/>visas i balansr\u00e4kningen enligt kra<span class=\"__11 _617\"/>ven f<span class=\"__11 _617\"/>\u00f6r f<span class=\"__11 _617\"/>\u00f6rv\u00e4ntade kreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter som beskrivs n\u00e4r-<span class=\"__11 _624\"> </span>mare i not K3.<span class=\"__11 _617\"/>7 \u201dUtl\u00e5ning\u201d<span class=\"__11 _625\"/>. F\u00f6r<span class=\"__11 _617\"/>\u00e4ndringar i avs\u00e4<span class=\"__11 _617\"/>ttningar redovi-<span class=\"__11 _624\"> </span>sas i resulta<span class=\"__11 _617\"/>tr\u00e4kningen under post<span class=\"__11 _617\"/>en \u201dKreditf<span class=\"__11 _617\"/>\u00f6rluster<span class=\"__11 _625\"/>, netto\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Erh\u00e5llna premier f<span class=\"__11 _617\"/>\u00f6r kreditl\u00f6ften f<span class=\"__11 _617\"/>\u00f6rdelas normal<span class=\"__11 _617\"/>t \u00f6ver \u00e5<span class=\"__11 _617\"/>ta-<span class=\"__11 _624\"> </span>gandeperioden. Garan<span class=\"__11 _617\"/>ti- och l\u00f6ftesbeloppen redo<span class=\"__11 _617\"/>visas utanf<span class=\"__11 _617\"/>\u00f6r balansr\u00e4kningen, netto efter a<span class=\"__11 _625\"/>vdrag f\u00f6r ev<span class=\"__11 _617\"/>entuella avs\u00e4<span class=\"__11 _617\"/>ttningar<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>\u00c5taganden<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _8c_3\"> </span>31 dec 2022<span class=\"__11 _8d_3\"> </span>31 dec 2021<span class=\"__11 _624\"> </span>Outnyttjad r\u00e4kningskredit<span class=\"__11 _715\"> </span>26 929<span class=\"__11 _5f_3\"> </span>28 263<span class=\"__11 _624\"> </span>Kreditl\u00f6ften<span class=\"__11 _643\"> </span>60 07<span class=\"__11 _617\"/>4<span class=\"__11 _7f_4\"> </span>57 975<span class=\"__11 _624\"> </span>\u00c5tagande om fram<span class=\"__11 _617\"/>tida betalningar<span class=\"__11 _cd_3\"> </span>889<span class=\"__11 _6a_3\"> </span><span class=\"lse_9 ws15_10\">997<span class=\"__11 _624\"> </span></span>\u00d6vriga \u00e5taganden<span class=\"__11 _14c_1\"> </span>1 716<span class=\"__11 _2b_5\"> </span>1 750<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _10d_3\"> </span>89 608<span class=\"__11 _700\"> </span>88 985<span class=\"__11 _624\"> </span>Omv\u00e4nda \u00e5<span class=\"__11 _617\"/>terk\u00f6psa<span class=\"__11 _617\"/>vtal (om<span class=\"__11 _617\"/>v\u00e4nda repor) r<span class=\"__11 _617\"/>edovisas i balansr\u00e4k<span class=\"__11 _617\"/><span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ningen p\u00e5 likviddagen. Per 31 december 2022 hade <span class=\"ws7_10\">Nor<span class=\"__11 _617\"/>dea<span class=\"ws3_10\"> teck<span class=\"__11 _617\"/><span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></span></span>nat omv<span class=\"__11 _617\"/>\u00e4nda repor som \u00e4nnu in<span class=\"__11 _617\"/>te har likvida<span class=\"__11 _617\"/>vr\u00e4knats och s<span class=\"__11 _617\"/>om d\u00e4rmed inte r<span class=\"__11 _617\"/>edovisas i balansr\u00e4kningen. P<span class=\"__11 _617\"/>\u00e5 likviddagen kom<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>mer dessa omv\u00e4nda r<span class=\"__11 _617\"/>epor till st\u00f6rsta del<span class=\"__11 _617\"/>en ers\u00e4tta exis<span class=\"__11 _617\"/>terande omv\u00e4nda r<span class=\"__11 _617\"/>epor som \u00e4nnu inte bok<span class=\"__11 _617\"/>ats bort fr\u00e5n balansr<span class=\"__11 _617\"/>\u00e4kningen <span class=\"__11 _624\">per 31 december 2022. Nettoeff</span><span class=\"__11 _617\"/>ekt<span class=\"__11 _617\"/>en i balansr\u00e4kningen \u00e4r begr\u00e4nsad. Dessa instrumen<span class=\"__11 _617\"/>t har in<span class=\"__11 _617\"/>te redovisa<span class=\"__11 _617\"/>ts som \u00e5taganden.<span class=\"__11 _624\"> </span>F\u00f6r mer in<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>ormation om omv<span class=\"__11 _617\"/>\u00e4nda \u00e5terk\u00f6psa<span class=\"__11 _625\"/>vtal<span class=\"__11 _626\"/>, se not K3.2 \u201d\u00d6verf\u00f6r<span class=\"__11 _617\"/>da tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>K7<span class=\"__11 _625\"/>.3 <span class=\"__11 _642\"> </span>St\u00e4llda s\u00e4k<span class=\"__11 _617\"/>erheter<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>Tillg\u00e5ngar som redovisa<span class=\"__11 _617\"/>ts i balansr\u00e4kningen och pan<span class=\"__11 _617\"/>tsatts som s\u00e4kerhet f<span class=\"__11 _617\"/>\u00f6r Nordeas egna skulder r<span class=\"__11 _617\"/>edovisas som \u201dF<span class=\"__11 _617\"/>\u00f6r egna skulder st\u00e4llda s\u00e4k<span class=\"__11 _617\"/>erheter<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>. Tillg\u00e5ngar som r<span class=\"__11 _617\"/>edovisats i balansr\u00e4kningen och pan<span class=\"__11 _617\"/>tsatts som s\u00e4kerhet f<span class=\"__11 _617\"/>\u00f6r annat \u00e4n egna skulder redo<span class=\"__11 _617\"/>visas som \u201d\u00d6vriga st\u00e4llda s\u00e4kerhet<span class=\"__11 _617\"/>er f\u00f6r annat \u00e4n egna skulder\u201d<span class=\"__11 _617\"/>. Inl\u00e5nade v\u00e4r<span class=\"__11 _617\"/>depapper som d\u00e4refter anv\u00e4nds som s\u00e4k<span class=\"__11 _617\"/>erhet redovisas som \u201d\u00d6v<span class=\"__11 _617\"/>erf\u00f6rda tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter<span class=\"__11 _626\"/>\u201d i balansr\u00e4kningen (f<span class=\"__11 _617\"/>\u00f6r redovisnings-<span class=\"__11 _624\"> </span>principer<span class=\"__11 _625\"/>, se not K3.2 \u201d\u00d6verf\u00f6rda tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter<span class=\"__11 _626\"/>\u201d).<span class=\"__11 _624\"> </span>St\u00e4llda s\u00e4kerheter<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _8c_3\"> </span>31 dec 2022<span class=\"__11 _8d_3\"> </span>31 dec 2021<span class=\"__11 _624\"> </span>F\u00f6r egna skulder s<span class=\"__11 _617\"/>t\u00e4llda s\u00e4kerheter<span class=\"__11 _13b_2\"> </span>190 211<span class=\"__11 _4b_3\"> </span>183 984<span class=\"__11 _624\"> </span>\u00d6vriga st\u00e4llda s\u00e4kerheter f<span class=\"__11 _617\"/>\u00f6r annat \u00e4n egna skulder<span class=\"__11 _759\"> </span>2<span class=\"__11 _626\"/>53<span class=\"__11 _6a_3\"> </span>2<span class=\"__11 _626\"/>53<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _11b_4\"> </span>190 464<span class=\"__11 _9f_3\"> </span>184 237<span class=\"__11 _624\"> </span>F<span class=\"__11 _617\"/>\u00f6r egna skulder st\u00e4llda s\u00e4k<span class=\"__11 _617\"/>erheter<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _8c_3\"> </span>31 dec 2022<span class=\"__11 _8d_3\"> </span>31 dec 2021<span class=\"__11 _624\"> </span>F\u00f6r egna skul<span class=\"__11 _617\"/>der st\u00e4llda s\u00e4kerheter<span class=\"__11 _624\"> </span>V<span class=\"__11 _617\"/>\u00e4rdepapper mm.<span class=\"__11 _f6_3\"> </span>2 622<span class=\"__11 _6d_3\"> </span>6 058<span class=\"__11 _624\"> </span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__11 _715\"> </span>165 286<span class=\"__11 _4b_3\"> </span>164 956<span class=\"__11 _624\"> </span>\u00d6vriga st\u00e4llda s\u00e4kerheter<span class=\"__11 _cb_3\"> </span>22 303<span class=\"__11 _8b_3\"> </span>12 970<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _665\"> </span>190 211<span class=\"__11 _7a_3\"> </span>183 984<span class=\"__11 _624\"> </span>Ovanst\u00e5ende s\u00e4kerhet<span class=\"__11 _617\"/>er avser f<span class=\"__11 _617\"/>\u00f6ljande <span class=\"__11 _624\">skulder1<span class=\"__11 _624\"> </span></span>Skulder till kreditinstitut<span class=\"__11 _f3_3\"> </span>11 689<span class=\"__11 _674\"> </span>16 531<span class=\"__11 _624\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__11 _14d\"> </span>1 873<span class=\"__11 _3b_5\"> </span>1 386<span class=\"__11 _624\"> </span>Derivat<span class=\"__11 _f1_3\"> </span>7 761<span class=\"__11 _3b_5\"> </span>8 791<span class=\"__11 _624\"> </span>Emitterade v\u00e4r<span class=\"__11 _617\"/><span class=\"__11 _624\">depapper2</span><span class=\"__11 _14e\"> </span>114 109<span class=\"__11 _5e_3\"> </span><span class=\"ls0_11 ws0_11\">117 76<span class=\"__11 _626\"/>4<span class=\"__11 _624\"> </span></span>\u00d6vriga skulder<span class=\"__11 _14f\"> </span>1 990<span class=\"__11 _646\"> </span>2 479<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _649\"> </span>137 422<span class=\"__11 _668\"> </span>146 951<span class=\"__11 _624\"> </span>1) Skulder efter kvittning mellan tillg\u00e5ngar och skulder i balansr<span class=\"__11 _617\"/>\u00e4kningen.<span class=\"__11 _624\"> </span>2) Exklusive justering a<span class=\"__11 _617\"/>v verkligt v\u00e4r<span class=\"__11 _617\"/>de-s\u00e4kring.<span class=\"__11 _624\"> </span>F\u00f6r egna sk<span class=\"__11 _617\"/>ulder st\u00e4llda s\u00e4kerhet<span class=\"__11 _617\"/>er omf<span class=\"__11 _617\"/>attar v<span class=\"__11 _617\"/>\u00e4rdepapper som har pantsa<span class=\"__11 _617\"/>tts i samband med \u00e5terk\u00f6psa<span class=\"__11 _625\"/>vtal och v\u00e4rde-<span class=\"__11 _624\"> </span>pappersl\u00e5n. <span class=\"__11 _617\"/>T<span class=\"__11 _625\"/>ransaktionerna genom<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>\u00f6rs enligt standarda<span class=\"__11 _617\"/>vtal som anv\u00e4nds a<span class=\"__11 _617\"/>v parterna p\u00e5 \ufb01nansmarknaden. Motparter i dessa transak<span class=\"__11 _617\"/>tioner \u00e4r kreditinstitut och allm\u00e4nhet<span class=\"__11 _617\"/>en. <span class=\"__11 _617\"/>T<span class=\"__11 _625\"/>rans-<span class=\"__11 _624\"> </span>aktionerna \u00e4r huvudsakligen kortfris<span class=\"__11 _617\"/>tiga med en l\u00f6ptid p\u00e5 mindre \u00e4n tre m\u00e5nader<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>V<span class=\"__11 _617\"/>\u00e4rdepapper i livf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsr\u00f6relsen har st<span class=\"__11 _617\"/>\u00e4llts som s\u00e4ker-<span class=\"__11 _624\"> </span>het f\u00f6r mo<span class=\"__11 _617\"/>tsvarande sk<span class=\"__11 _617\"/>ulder till f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringstagare.<span class=\"__11 _624\"> </span>Utl\u00e5ning till allm\u00e4nheten har st\u00e4ll<span class=\"__11 _617\"/>ts som s\u00e4kerhet f<span class=\"__11 _617\"/>\u00f6r emit-<span class=\"__11 _624\"> </span>terade s\u00e4kers<span class=\"__11 _617\"/>t\u00e4llda obligationer och bost<span class=\"__11 _617\"/>adsobligationer i enlighet med nationella lagar och regler<span class=\"__11 _625\"/>. I h\u00e4ndelse av bola<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>gets obest\u00e5nd har inneha<span class=\"__11 _617\"/>varna a<span class=\"__11 _617\"/>v obliga<span class=\"__11 _617\"/>tionerna f\u00f6rm\u00e5nsr<span class=\"__11 _617\"/>\u00e4tt i de tillg\u00e5ngar som \u00e4r registr<span class=\"__11 _617\"/>erade som s\u00e4kerhetsmassa.<span class=\"__11 _624\"> </span>Rest<span class=\"__11 _617\"/>erande del a<span class=\"__11 _617\"/>v \u00f6vriga s<span class=\"__11 _617\"/>t\u00e4llda s\u00e4kerheter a<span class=\"__11 _617\"/>vser bankc<span class=\"__11 _617\"/>er-<span class=\"__11 _624\"> </span>ti\ufb01kat som pan<span class=\"__11 _617\"/>tsatts a<span class=\"__11 _617\"/>v Nordea i enlighet med myndighetskra<span class=\"__11 _617\"/>v<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>\u00d6vriga st\u00e4llda s\u00e4kerheter f<span class=\"__11 _625\"/>\u00f6r annat \u00e4n egna skulder<span class=\"__11 _624\"> </span>\u00d6vriga st\u00e4llda s\u00e4kerhet<span class=\"__11 _617\"/>er avser huvudsakligen r<span class=\"__11 _617\"/>\u00e4nt<span class=\"__11 _617\"/>eb\u00e4rande v\u00e4rdepapper som pan<span class=\"__11 _617\"/>tsatts f<span class=\"__11 _617\"/>\u00f6r betalningsreglering gen<span class=\"__11 _617\"/>temo<span class=\"__11 _617\"/>t centr<span class=\"__11 _617\"/>albanker och clearinginstitut. V<span class=\"__11 _617\"/>\u00e4rdet p\u00e5 de<span class=\"__11 _617\"/>ssa uppgick till 253 mn euro (253 mn euro). Endast s\u00e4kerhet<span class=\"__11 _617\"/>er som a<span class=\"__11 _617\"/>vser likviditet \u00f6ver na<span class=\"__11 _617\"/>tten redo<span class=\"__11 _617\"/>visas (st\u00e4llda s\u00e4kerhet<span class=\"__11 _617\"/>er f\u00f6r in<span class=\"__11 _617\"/>tra<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>dagslikviditet omf<span class=\"__11 _617\"/>attas in<span class=\"__11 _617\"/>te<span class=\"__11 _617\"/>). St\u00e4llda s\u00e4kerheter f<span class=\"__11 _617\"/>\u00f6r annat \u00e4n Nordeas egna skulder<span class=\"__11 _625\"/>, till ex<span class=\"__11 _617\"/>empel f\u00f6r tr<span class=\"__11 _617\"/>edje mans r\u00e4kning eller f\u00f6r Nor<span class=\"__11 _617\"/>deas egna even<span class=\"__11 _617\"/>tualf\u00f6rplik<span class=\"__11 _617\"/>telser<span class=\"__11 _625\"/>, presen<span class=\"__11 _617\"/>teras ocks\u00e5 under denna post.K8 <span class=\"__12 _775\"> </span> <span class=\"__12 _776\"/>Ers\u00e4ttning till anst<span class=\"__12 _768\"/>\u00e4llda<span class=\"__12 _777\"> </span>och ny<span class=\"__12 _768\"/>ckelpersoner i<span class=\"__12 _777\"> </span>ledande positioner<span class=\"__12 _777\"> </span>All form a<span class=\"__12 _768\"/>v ers\u00e4ttning till ans<span class=\"__12 _768\"/>t\u00e4llda som kompensation f<span class=\"__12 _768\"/>\u00f6r<span class=\"__12 _777\"> </span>utf\u00f6r<span class=\"__12 _768\"/>da tj\u00e4nster utg\u00f6r ers\u00e4ttning till ans<span class=\"__12 _768\"/>t\u00e4llda. Ers\u00e4ttningen<span class=\"__12 _777\"> </span>till anst\u00e4llda utg\u00f6rs a<span class=\"__12 _768\"/>v kortfristiga ers\u00e4ttningar<span class=\"__12 _a_11\"/>, ers\u00e4ttningar<span class=\"__12 _777\"> </span>efter a<span class=\"__12 _768\"/>vslutad anst\u00e4llning och ak<span class=\"__12 _768\"/>tierela<span class=\"__12 _768\"/>terade<span class=\"__12 _777\"> </span>ers\u00e4ttningsprogram.<span class=\"__12 _777\"> </span>Kortfristiga ers\u00e4ttningar till ans<span class=\"__12 _768\"/>t\u00e4llda ska regler<span class=\"__12 _768\"/>as inom<span class=\"__12 _777\"> </span>tolv m\u00e5nader eft<span class=\"__12 _768\"/>er utg\u00e5ngen a<span class=\"__12 _768\"/>v den rapportperiod d\u00e5 tj\u00e4ns-<span class=\"__12 _777\"> </span>terna utf\u00f6rts. K<span class=\"__12 _768\"/>ortfristiga ers\u00e4ttningar till anst\u00e4llda be<span class=\"__12 _768\"/>st\u00e5r<span class=\"__12 _777\"> </span>fr\u00e4ms<span class=\"__12 _768\"/>t av f<span class=\"__12 _768\"/>ast och r<span class=\"__12 _768\"/>\u00f6rlig l\u00f6n. F<span class=\"__12 _768\"/>\u00f6r ytterligare in<span class=\"__12 _768\"/>forma<span class=\"__12 _768\"/>tion, se not<span class=\"__12 _777\"> </span>K8.<span class=\"__12 _a_11\"/>1 \u201dFast och r<span class=\"__12 _768\"/>\u00f6rlig l\u00f6n\u201d<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>Ers\u00e4ttningar efter a<span class=\"__12 _768\"/>vslutad anst<span class=\"__12 _768\"/>\u00e4llning \u00e4r ers\u00e4ttningar som<span class=\"__12 _777\"> </span>betalas ut efter anst\u00e4llningens upph\u00f6r<span class=\"__12 _768\"/>ande. Ers\u00e4ttningar<span class=\"__12 _777\"> </span>efter a<span class=\"__12 _768\"/>vslutad anst\u00e4llning i Nor<span class=\"__12 _768\"/>dea omf<span class=\"__12 _768\"/>attar endas<span class=\"__12 _768\"/>t pensio-<span class=\"__12 _777\"> </span>ner<span class=\"__12 _a_11\"/>. F\u00f6r ytterligare inf<span class=\"__12 _768\"/>ormation, s<span class=\"__12 _768\"/>e not K8.2 \u201dPensioner<span class=\"__12 _b_11\"/>\u201d<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>Aktierela<span class=\"__12 _768\"/>terade ers\u00e4<span class=\"__12 _768\"/>ttningsprogram innef<span class=\"__12 _768\"/>attar ak<span class=\"__12 _768\"/>tierela<span class=\"__12 _768\"/>te-<span class=\"__12 _777\"> </span>rade betalningar f<span class=\"__12 _768\"/>\u00f6r tj\u00e4nster s<span class=\"__12 _768\"/>om utf\u00f6rs a<span class=\"__12 _768\"/>v anst\u00e4llda. F<span class=\"__12 _768\"/>\u00f6r<span class=\"__12 _777\"> </span>ytterligare in<span class=\"__12 _768\"/>forma<span class=\"__12 _768\"/>tion, se not K8.3 \u201d<span class=\"__12 _a_11\"/>Ak<span class=\"__12 _768\"/>tierelat<span class=\"__12 _768\"/>erade<span class=\"__12 _777\"> </span>ers\u00e4ttningsprogram\u201d<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>Dessutom l\u00e4mnas inf<span class=\"__12 _768\"/>ormation om ers\u00e4<span class=\"__12 _768\"/>ttning till nyckelper-<span class=\"__12 _777\"> </span>soner i ledande positioner i not K8.4 \u201dErs\u00e4ttning till nyck<span class=\"__12 _768\"/>el-<span class=\"__12 _777\"> </span>personer i ledande positioner<span class=\"__12 _b_11\"/>\u201d<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>Ytterligare inf<span class=\"__12 _768\"/>orma<span class=\"__12 _768\"/>tion om ers\u00e4ttningar<span class=\"__12 _777\"> </span>F\u00f6rvaltningsber<span class=\"__12 _768\"/>\u00e4ttels<span class=\"__12 _768\"/>en inneh\u00e5ller ett separa<span class=\"__12 _768\"/>t avsnitt om<span class=\"__12 _777\"> </span>ers\u00e4ttningar<span class=\"__12 _a_11\"/>, p\u00e5 sidan 7<span class=\"__12 _b_11\"/>9. <span class=\"__12 _768\"/>Till den ordinarie bolagsst<span class=\"__12 _768\"/>\u00e4mman<span class=\"__12 _777\"> </span>den 23 mars 2023 publiceras Ers\u00e4ttningsrapport f\u00f6r styr<span class=\"__12 _768\"/>ande<span class=\"__12 _777\"> </span>organ 2022. Vidare publicer<span class=\"__12 _768\"/>as inf<span class=\"__12 _768\"/>ormation om n<span class=\"__12 _768\"/>yckelpersoner i<span class=\"__12 _777\"> </span>ledande positioner och materiella risk<span class=\"__12 _768\"/>tagare (pelar<span class=\"__12 _768\"/>e 3, kapital<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>kra<span class=\"__12 _768\"/>vsf\u00f6r<span class=\"__12 _768\"/>ordningen, artikel 450) i en separa<span class=\"__12 _768\"/>t rapport p\u00e5 nordea.<span class=\"__12 _777\"> </span>com senast en v<span class=\"__12 _768\"/>ecka f\u00f6r<span class=\"__12 _768\"/>e den ordinarie bolagsst\u00e4mman.<span class=\"__12 _777\"> </span>och Nordeas bonusprogr<span class=\"__12 _768\"/>am f\u00f6r utv<span class=\"__12 _768\"/>alda medarbetare i speci-<span class=\"__12 _777\"> </span><span class=\"__12 _777\">\ufb01ka aff</span><span class=\"__12 _768\"/>\u00e4rsomr\u00e5den eller enheter efter godk\u00e4nnande a<span class=\"__12 _a_11\"/>v styrel-<span class=\"__12 _777\"> </span>sen. NIP ska huvudsakligen an<span class=\"__12 _768\"/>v\u00e4ndas f<span class=\"__12 _768\"/>\u00f6r roller d\u00e4r r<span class=\"__12 _768\"/>\u00f6rlig<span class=\"__12 _777\"> </span>ers\u00e4ttning \u00e4r utbredd marknadspraxis och ut<span class=\"__12 _768\"/>g\u00f6r en betydan-<span class=\"__12 _777\"> </span>de del av den samlade ers\u00e4ttningen.<span class=\"__12 _777\"> </span>STIP har erbjudits under fler<span class=\"__12 _768\"/>a \u00e5r<span class=\"__12 _a_11\"/>, i huvudsak i form av e<span class=\"__12 _768\"/>x<span class=\"__12 _768\"/>e-<span class=\"__12 _777\"> </span>cutive incen<span class=\"__12 _768\"/>tive progr<span class=\"__12 _768\"/>amme (EIP) och under 2022 i form a<span class=\"__12 _a_11\"/>v<span class=\"__12 _777\"> </span>NIP som har liknande villk<span class=\"__12 _768\"/>or<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>STIP har en r<span class=\"__12 _768\"/>esulta<span class=\"__12 _768\"/>tm\u00e4tningsperiod p\u00e5 ett \u00e5r och betalas ut<span class=\"__12 _777\"> </span>till deltagarna genom kon<span class=\"__12 _768\"/>tan<span class=\"__12 _768\"/>t ers\u00e4ttning och tilldelning av<span class=\"__12 _777\"> </span>aktier<span class=\"__12 _a_11\"/>. F\u00f6r delar a<span class=\"__12 _768\"/>v tilldelningen till\u00e4mpas en uppskjutande-<span class=\"__12 _777\"> </span>period med \u00e5rlig \u00f6verl\u00e5<span class=\"__12 _768\"/>telse i lika st<span class=\"__12 _768\"/>ora delar under de f<span class=\"__12 _768\"/>\u00f6ljan-<span class=\"__12 _777\"> </span>de fyra eller f<span class=\"__12 _768\"/>em \u00e5ren och en kvarh\u00e5llandeperiod om 12 m\u00e5nader<span class=\"__12 _a_11\"/>. R\u00f6rlig ers\u00e4ttning som betalas i kontan<span class=\"__12 _768\"/>ter och in<span class=\"__12 _768\"/>te<span class=\"__12 _777\"> </span>\u00e4r kopplad till utvecklingen f<span class=\"__12 _768\"/>\u00f6r Nordeas ak<span class=\"__12 _768\"/>tiekurs kos<span class=\"__12 _768\"/>tnads-<span class=\"__12 _777\"> </span>f\u00f6rs i samband med in<span class=\"__12 _768\"/>tj\u00e4nandet och inkluderas under \u201dF<span class=\"__12 _a_11\"/>ast<span class=\"__12 _777\"> </span>och r\u00f6rlig l\u00f6n\u201d nedan. Intj\u00e4nad och uppskjut<span class=\"__12 _768\"/>en aktiebaser<span class=\"__12 _768\"/>ad<span class=\"__12 _777\"> </span>ers\u00e4ttning, som ocks\u00e5 kostnadsf<span class=\"__12 _768\"/>\u00f6rts som \u201dF<span class=\"__12 _768\"/>ast och r<span class=\"__12 _768\"/>\u00f6rlig l\u00f6n\u201d<span class=\"__12 _777\"> </span>i tabellen nedan, redovisas separ<span class=\"__12 _768\"/>at i no<span class=\"__12 _768\"/>t K8.3 \u201d<span class=\"__12 _a_11\"/>Aktier<span class=\"__12 _768\"/>elater<span class=\"__12 _768\"/>ade<span class=\"__12 _777\"> </span>ers\u00e4ttningsprogram\u201d<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>Personalkos<span class=\"__12 _768\"/>tnader<span class=\"__12 _777\"> </span>Mn euro<span class=\"__12 _c_11\"> </span>2022<span class=\"__12 _d_11\"> </span>2021<span class=\"__12 _777\"> </span>F<span class=\"__12 _768\"/><span class=\"__12 _777\">ast och r\u00f6rlig l\u00f6n1</span><span class=\"__12 _e_11\"> </span>-2 195<span class=\"__12 _f_11\"> </span>-2 145<span class=\"__12 _777\"> </span>Pensionskos<span class=\"__12 _768\"/>tnader (speci\ufb01kation nedan)<span class=\"__12 _778\"> </span><span class=\"ls3_11 ws3_11\">-27<span class=\"__12 _b_11\"/>7<span class=\"__12 _779\"> </span>-27<span class=\"__12 _b_11\"/>9<span class=\"__12 _777\"> </span></span>Sociala avgift<span class=\"__12 _768\"/>er<span class=\"__12 _780\"> </span>-407<span class=\"__12 _781\"> </span>-402<span class=\"__12 _777\"> </span><span class=\"__12 _777\">\u00d6vriga personalkostnader2</span><span class=\"__12 _782\"> </span> 44<span class=\"__12 _783\"> </span>67<span class=\"__12 _777\"> </span>Summa<span class=\"__12 _784\"> </span>-2 835<span class=\"__12 _785\"> </span>-2 759<span class=\"__12 _777\"> </span>1)   <span class=\"__12 _786\"/>A<span class=\"__12 _768\"/>vs\u00e4ttning f\u00f6r vins<span class=\"__12 _768\"/>tandel 2022 uppgick till 67 mn euro (57 mn euro<span class=\"__12 _768\"/>) vara<span class=\"__12 _768\"/>v 67 mn<span class=\"__12 _777\"> </span>euro (62 mn euro) \u00e4r en ny a<span class=\"__12 _768\"/>vs\u00e4ttning och 0 mn euro (-5 mn eur<span class=\"__12 _768\"/>o) \u00e4r en justering<span class=\"__12 _777\"> </span>relaterad till tidigar<span class=\"__12 _768\"/>e \u00e5r<span class=\"__12 _768\"/>.<span class=\"__12 _777\"> </span>2)   <span class=\"__12 _786\"/>Inkluderat kapitalisering a<span class=\"__12 _768\"/>v IT<span class=\"__12 _768\"/>-projek<span class=\"__12 _768\"/>t med 126 mn euro (138 mn euro)<span class=\"__12 _777\"> </span>.<span class=\"__12 _777\"> </span>K8.2 Pensioner<span class=\"__12 _777\"> </span>Redovisningsprinciper<span class=\"__12 _777\"> </span>A<span class=\"__12 _a_11\"/>vgiftsbest\u00e4mda planer<span class=\"__12 _777\"> </span>Pensioner som baser<span class=\"__12 _768\"/>as p\u00e5 a<span class=\"__12 _768\"/>vgiftsbest\u00e4mda pensionsplaner<span class=\"__12 _777\"> </span>medf\u00f6r in<span class=\"__12 _768\"/>te n\u00e5got pensions\u00e5<span class=\"__12 _768\"/>tagande f<span class=\"__12 _768\"/>\u00f6r Nordea. Sam<span class=\"__12 _768\"/>tliga<span class=\"__12 _777\"> </span>f\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4mda pensionsplaner \u00e4r st\u00e4ngda f<span class=\"__12 _768\"/>\u00f6r ny<span class=\"__12 _768\"/>a delta<span class=\"__12 _768\"/>-<span class=\"__12 _777\"> </span>gare. Dessa erbjuds ist\u00e4llet a<span class=\"__12 _a_11\"/>vgiftsbest\u00e4mda pensionsplaner<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>Pensionskos<span class=\"__12 _768\"/>tnader f\u00f6r a<span class=\"__12 _a_11\"/>vgiftsbest\u00e4mda pensionsplaner redo-<span class=\"__12 _777\"> </span>visas som en kostnad i den tak<span class=\"__12 _768\"/>t de in<span class=\"__12 _768\"/>tj\u00e4nas genom att de<span class=\"__12 _777\"> </span>anst\u00e4llda utf<span class=\"__12 _768\"/>\u00f6r tj\u00e4nster \u00e5<span class=\"__12 _768\"/>t f\u00f6r<span class=\"__12 _768\"/>etaget och a<span class=\"__12 _768\"/>vgifterna f<span class=\"__12 _768\"/>\u00f6r dessa<span class=\"__12 _777\"> </span>tj\u00e4nster f<span class=\"__12 _768\"/>\u00f6rfaller till betalning. Betalningen sk<span class=\"__12 _768\"/>er normalt i<span class=\"__12 _777\"> </span>samband med regelbundna l\u00f6neutbetalningar<span class=\"__12 _a_11\"/>. Nordea bidrar<span class=\"__12 _777\"> </span><span class=\"__12 _777\">ocks\u00e5 till offen</span><span class=\"__12 _768\"/>tliga pensionssyst<span class=\"__12 _768\"/>em.<span class=\"__12 _777\"> </span>F<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbest\u00e4mda planer<span class=\"__12 _777\"> </span>IAS 19 s\u00e4kerst\u00e4ller att pensionsf<span class=\"__12 _768\"/>\u00f6rplik<span class=\"__12 _768\"/>telserna, minska<span class=\"__12 _768\"/>t med<span class=\"__12 _777\"> </span>v\u00e4rdet a<span class=\"__12 _768\"/>v de f<span class=\"__12 _768\"/>\u00f6rvaltningstillg\u00e5ngar som t<span class=\"__12 _768\"/>\u00e4cker dessa f<span class=\"__12 _768\"/>\u00f6rplik-<span class=\"__12 _777\"> </span>telser<span class=\"__12 _a_11\"/>, redovisas i koncernens balansr\u00e4kning. De s<span class=\"__12 _768\"/>t\u00f6rre f<span class=\"__12 _768\"/>\u00f6r-<span class=\"__12 _777\"> </span>m\u00e5nsbest\u00e4mda pensionsplanerna \u00e4r f<span class=\"__12 _768\"/>onderade och t\u00e4cks a<span class=\"__12 _768\"/>v<span class=\"__12 _777\"> </span>tillg\u00e5ngar i pensionskassor<span class=\"__12 _768\"/>/pensionsstift<span class=\"__12 _768\"/>elser<span class=\"__12 _a_11\"/>. Om verkligt<span class=\"__12 _777\"> </span>v\u00e4rde p\u00e5 f<span class=\"__12 _768\"/>\u00f6rvaltningstill<span class=\"__12 _768\"/>g\u00e5ngar h\u00e4nf<span class=\"__12 _768\"/>\u00f6rliga till en speci\ufb01k pen-<span class=\"__12 _777\"> </span>sionsplan \u00e4r l\u00e4gre \u00e4n nuv\u00e4r<span class=\"__12 _768\"/>det, brutto, av den f<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbe-<span class=\"__12 _777\"> </span>st\u00e4mda f<span class=\"__12 _768\"/>\u00f6rplikt<span class=\"__12 _768\"/>elsen fas<span class=\"__12 _768\"/>tst\u00e4lld enligt \u201dpr<span class=\"__12 _768\"/>ojected unit credit<span class=\"__12 _777\"> </span>method\u201d<span class=\"__12 _a_11\"/>, redovisas nettobeloppet som en sk<span class=\"__12 _768\"/>uld (\u201dPensions-<span class=\"__12 _777\"> </span>f\u00f6rplik<span class=\"__12 _768\"/>telser\u201d). I det omv\u00e4nda fallet redo<span class=\"__12 _768\"/>visas nettobeloppet<span class=\"__12 _777\"> </span>som en tillg\u00e5ng (\u201dPensions<span class=\"__12 _768\"/>tillg\u00e5ngar<span class=\"__12 _b_11\"/>\u201d). Icke-fonderade pen-<span class=\"__12 _777\"> </span>sionsplaner redovisas som \u201dP<span class=\"__12 _768\"/>ensionsf<span class=\"__12 _768\"/>\u00f6rpliktels<span class=\"__12 _768\"/>er<span class=\"__12 _b_11\"/>\u201d<span class=\"__12 _a_11\"/>. Nordeas nettof<span class=\"__12 _768\"/>\u00f6rplik<span class=\"__12 _768\"/>telse f<span class=\"__12 _768\"/>\u00f6r f\u00f6rm\u00e5nsbe<span class=\"__12 _768\"/>st\u00e4mda pensions-<span class=\"__12 _777\"> </span>planer ber\u00e4knas separa<span class=\"__12 _768\"/>t f<span class=\"__12 _768\"/>\u00f6r varje plan genom en uppskatt-<span class=\"__12 _777\"> </span>ning av det ers\u00e4ttningsbelopp s<span class=\"__12 _768\"/>om de anst\u00e4llda har in<span class=\"__12 _768\"/>tj\u00e4nat<span class=\"__12 _777\"> </span>under innevarande period och tidigar<span class=\"__12 _768\"/>e perioder i utbyte mo<span class=\"__12 _768\"/>t<span class=\"__12 _777\"> </span>K8.<span class=\"__12 _a_11\"/>1 <span class=\"__12 _787\"> </span>F<span class=\"__12 _a_11\"/>ast och r\u00f6rlig l\u00f6n<span class=\"__12 _777\"> </span>Redovisningsprinciper<span class=\"__12 _777\"> </span>Kortfristiga ers\u00e4<span class=\"__12 _768\"/>ttningar till anst\u00e4llda<span class=\"__12 _777\"> </span>Kortfristiga ers\u00e4ttningar till ans<span class=\"__12 _768\"/>t\u00e4llda best<span class=\"__12 _768\"/>\u00e5r fr\u00e4ms<span class=\"__12 _768\"/>t av f<span class=\"__12 _768\"/>ast<span class=\"__12 _777\"> </span>och r\u00f6rlig l\u00f6n. B\u00e5de f<span class=\"__12 _768\"/>ast och r\u00f6rlig l\u00f6n kos<span class=\"__12 _768\"/>tnadsf<span class=\"__12 _768\"/>\u00f6rs i den peri-<span class=\"__12 _777\"> </span>od d\u00e5 de anst\u00e4llda utf<span class=\"__12 _768\"/>\u00f6r tj\u00e4nster f<span class=\"__12 _768\"/>\u00f6r Nordea.<span class=\"__12 _777\"> </span>A<span class=\"__12 _a_11\"/>vg\u00e5ngsvederlag<span class=\"__12 _777\"> </span>A<span class=\"__12 _768\"/>vg\u00e5ngsv<span class=\"__12 _768\"/>ederlag blir normalt ak<span class=\"__12 _768\"/>tuellt n\u00e4r en anst\u00e4llning<span class=\"__12 _777\"> </span>avsl<span class=\"__12 _768\"/>utas f\u00f6r<span class=\"__12 _768\"/>e pensionsdagen eller om en anst\u00e4lld ac<span class=\"__12 _768\"/>cepter<span class=\"__12 _768\"/>ar<span class=\"__12 _777\"> </span>ett erbjudande om frivillig a<span class=\"__12 _768\"/>vg\u00e5ng.<span class=\"__12 _777\"> </span>A<span class=\"__12 _768\"/>vg\u00e5ngsv<span class=\"__12 _768\"/>ederlag kostnadsf<span class=\"__12 _768\"/>\u00f6rs n\u00e4r <span class=\"ws5_11\">Nordea</span> har en skyldig<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>het att g\u00f6ra betalningen. En skyldighet upps<span class=\"__12 _768\"/>t\u00e5r n\u00e4r en f<span class=\"__12 _768\"/>ormell<span class=\"__12 _777\"> </span>plan har beslutats p\u00e5 l\u00e4mplig or<span class=\"__12 _768\"/>ganisatorisk niv<span class=\"__12 _768\"/>\u00e5 och n\u00e4r det<span class=\"__12 _777\"> </span>inte \ufb01nns en r<span class=\"__12 _768\"/>ealistisk m\u00f6jlighet f<span class=\"__12 _768\"/>\u00f6r <span class=\"ws5_11\">Nordea</span> att dr<span class=\"__12 _768\"/>a sig ur<span class=\"__12 _a_11\"/>, vilket<span class=\"__12 _777\"> </span>normalt anses uppfyll<span class=\"__12 _768\"/>t n\u00e4r planen har kommunicera<span class=\"__12 _768\"/>ts till<span class=\"__12 _777\"> </span>ber\u00f6rda medarbetar<span class=\"__12 _768\"/>e eller deras repr<span class=\"__12 _768\"/>esent<span class=\"__12 _768\"/>anter<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>A<span class=\"__12 _768\"/>vg\u00e5ngsv<span class=\"__12 _768\"/>ederlag kan innef<span class=\"__12 _768\"/>atta b\u00e5de kortfris<span class=\"__12 _768\"/>tiga ers\u00e4ttning<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>ar<span class=\"__12 _a_11\"/>, till exempel ett an<span class=\"__12 _768\"/>tal m\u00e5nadsl\u00f6ner<span class=\"__12 _a_11\"/>, och er<span class=\"__12 _b_11\"/>s\u00e4ttningar efter<span class=\"__12 _777\"> </span>avsl<span class=\"__12 _768\"/>utad anst\u00e4llning, normalt i f<span class=\"__12 _768\"/>orm a<span class=\"__12 _768\"/>v f<span class=\"__12 _768\"/>\u00f6rtidspensionering<span class=\"__12 _777\"> </span>.<span class=\"__12 _777\"> </span>Nordeas kortsiktiga incit<span class=\"__12 _768\"/>amentsprogr<span class=\"__12 _768\"/>am<span class=\"__12 _777\"> </span>Nordea har kortsiktiga incitamen<span class=\"__12 _768\"/>tsprogr<span class=\"__12 _768\"/>am (STIP<span class=\"__12 _a_11\"/>, short term<span class=\"__12 _777\"> </span>incentiv<span class=\"__12 _768\"/>e plan). Hit r\u00e4knas Nordeas incit<span class=\"__12 _768\"/>amentsprogr<span class=\"__12 _768\"/>am<span class=\"__12 _777\"> </span>(NIP), som erbjuds koncernchef<span class=\"__12 _768\"/>en och medlemmarna i kon-<span class=\"__12 _777\"> </span>cernledningen samt, efter s\u00e4rskild inbjudan, andra ans<span class=\"__12 _768\"/>t\u00e4llda,<span class=\"__12 _777\"> </span><div class=\"t_12 m0_12 h1_12 ff1_12 fs0_12 fc0_12 sc0_12 ls0_12 ws0_12\" style=\"left:0.002374649px; bottom:2.1012287px;\">166<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h2_12 ff2_12 fs1_11 fc0_12 sc0_12 ls0_12 ws1_12\" style=\"left:44.310143px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h3_11 ff2_12 fs1_11 fc0_12 sc0_12 ls1_12 ws2_11\" style=\"left:48.511353px; bottom:1029.1447px;\">Inledning<span class=\"__12 _767\"> </span><span class=\"__12 _777\">Aff</span><span class=\"__12 _768\"/>\u00e4rsomr\u00e5den<span class=\"__12 _769\"/><span class=\"ws0_12\">V<span class=\"__12 _768\"/>\u00e5ra in<span class=\"__12 _768\"/>tressent<span class=\"__12 _768\"/>er<span class=\"__12 _770\"> </span><span class=\"ff1_12\">Finansiella rapporter<span class=\"__12 _771\"/><span class=\"ff2_12 ws2_11\">F\u00f6rvaltningsber<span class=\"__12 _768\"/>\u00e4ttelse<span class=\"__12 _772\"> </span>H\u00e5llbarhetsnoter<span class=\"__12 _773\"> </span>\u00d6vrigt<span class=\"__12 _774\"/><span class=\"ws0_12\">Strategisk r<span class=\"__12 _768\"/>apport<span class=\"__12 _777\"> </span></span></span></span></span></div><div class=\"t_12 m0_12 hd_11 ff4_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:986.27924px;\">K8.2 <span class=\"__12 _1a_8\"> </span>Pensioner<span class=\"__12 _768\"/>, forts.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws6_11\" style=\"left:44.310143px; bottom:951.98157px;\">sina tj\u00e4nster<span class=\"__12 _a_11\"/>. Ers\u00e4ttningsbeloppet diskonter<span class=\"__12 _768\"/>as f<span class=\"__12 _768\"/>\u00f6r att f<span class=\"__12 _768\"/>astst\u00e4lla </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws7_11\" style=\"left:44.310143px; bottom:938.45636px;\">dess nuv\u00e4rde. <span class=\"__12 _768\"/>Ak<span class=\"__12 _768\"/>tuariella ber\u00e4kningar<span class=\"__12 _a_11\"/>, bland annat \u201dprojected </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:924.9312px;\">unit credit method\u201d<span class=\"__12 _a_11\"/>, anv\u00e4nds f<span class=\"__12 _768\"/>\u00f6r att f<span class=\"__12 _768\"/>asts<span class=\"__12 _768\"/>t\u00e4lla nuv\u00e4rdet a<span class=\"__12 _a_11\"/>v f\u00f6r-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:911.406px;\">m\u00e5nsbest\u00e4mda f<span class=\"__12 _768\"/>\u00f6rplikt<span class=\"__12 _768\"/>elser och kostnader h\u00e4n<span class=\"__12 _768\"/>f<span class=\"__12 _768\"/>\u00f6rliga till </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:897.8808px;\">dessa. Ber\u00e4kningarna baser<span class=\"__12 _768\"/>as p\u00e5 ett antal ak<span class=\"__12 _768\"/>tuariella och </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:884.3556px;\">\ufb01nansiella antaganden. K<span class=\"__12 _768\"/>ostnader a<span class=\"__12 _768\"/>vseende tj\u00e4nst<span class=\"__12 _768\"/>g\u00f6ring </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:870.8304px;\">innevarande och tidigar<span class=\"__12 _768\"/>e \u00e5r redovisas i r<span class=\"__12 _768\"/>esulta<span class=\"__12 _768\"/>tr\u00e4kningen f<span class=\"__12 _768\"/>\u00f6r </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:857.3052px;\">innevarande \u00e5r<span class=\"__12 _a_11\"/>. Kostnader a<span class=\"__12 _a_11\"/>vseende tj\u00e4nstg\u00f6ring innevaran-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:843.77997px;\">de \u00e5r de\ufb01nieras som en \u00f6kning a<span class=\"__12 _768\"/>v nuv\u00e4r<span class=\"__12 _768\"/>det f\u00f6r f<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbe-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:830.25476px;\">st\u00e4mda f<span class=\"__12 _768\"/>\u00f6rplikt<span class=\"__12 _768\"/>elser till f\u00f6ljd a<span class=\"__12 _a_11\"/>v anst\u00e4lldas tj\u00e4nstg\u00f6ring under </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:816.7296px;\">innevarande period. K<span class=\"__12 _768\"/>ostnader a<span class=\"__12 _a_11\"/>vseende tj\u00e4nstg\u00f6ring tidigare </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:803.2044px;\">\u00e5r de\ufb01nieras som f<span class=\"__12 _768\"/>\u00f6r\u00e4ndringen i nuv<span class=\"__12 _768\"/>\u00e4rdet f<span class=\"__12 _768\"/>\u00f6r f\u00f6rm\u00e5nsbe-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:789.6792px;\">st\u00e4mda f<span class=\"__12 _768\"/>\u00f6rplikt<span class=\"__12 _768\"/>elser f\u00f6r ans<span class=\"__12 _768\"/>t\u00e4lldas tj\u00e4nst<span class=\"__12 _768\"/>g\u00f6ring under tidigare </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:776.154px;\">perioder som utl\u00f6ses a<span class=\"__12 _768\"/>v plan\u00e4ndringar eller -reduceringar<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:57.205498px; bottom:762.6288px;\">F\u00f6rplik<span class=\"__12 _768\"/>telsens nuv<span class=\"__12 _768\"/>\u00e4rde och even<span class=\"__12 _768\"/>tuella f<span class=\"__12 _768\"/>\u00f6rvaltningstillg\u00e5ng-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:749.1036px;\">ars verkliga v\u00e4rde kan p\u00e5<span class=\"__12 _768\"/>v<span class=\"__12 _768\"/>erkas av \u00e4ndr<span class=\"__12 _768\"/>ade aktuariella an<span class=\"__12 _768\"/>ta<span class=\"__12 _768\"/>-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:735.57837px;\">ganden (diskon<span class=\"__12 _768\"/>teringsr\u00e4n<span class=\"__12 _768\"/>tor (r<span class=\"__12 _768\"/>\u00e4ntor och kr<span class=\"__12 _768\"/>editspreadar), </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:722.05316px;\">inflation, l\u00f6ne\u00f6kningar<span class=\"__12 _a_11\"/>, personaloms\u00e4ttning och livsl\u00e4ngd) </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:708.528px;\">och erfarenhetsm\u00e4ssiga a<span class=\"__12 _768\"/>vvikelser<span class=\"__12 _a_11\"/>, inklusive verkligt utf<span class=\"__12 _768\"/>all </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:695.0028px;\">j\u00e4mf<span class=\"__12 _768\"/>\u00f6rt med antaganden. Dessa omv<span class=\"__12 _768\"/><span class=\"__12 _777\">\u00e4rderingseff</span><span class=\"__12 _768\"/>ek<span class=\"__12 _768\"/>ter redo<span class=\"__12 _768\"/>vi-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:681.4776px;\">sas direkt mo<span class=\"__12 _768\"/>t eget kapital via \u00f6vrigt t<span class=\"__12 _768\"/>otalre<span class=\"__12 _768\"/>sultat. </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:57.205498px; bottom:667.9524px;\">Diskont<span class=\"__12 _768\"/>eringsr\u00e4n<span class=\"__12 _768\"/>tan baseras p\u00e5 f<span class=\"__12 _768\"/>\u00f6retags<span class=\"__12 _768\"/>obligationer med </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:654.4272px;\">h\u00f6ga kreditbetyg, d\u00e4r en tillr<span class=\"__12 _768\"/>\u00e4ckligt djup marknad exis<span class=\"__12 _768\"/>terar </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:640.902px;\">f\u00f6r s\u00e5dana obliga<span class=\"__12 _768\"/>tioner<span class=\"__12 _a_11\"/>. S\u00e4kerst\u00e4llda obligationer anses i </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:627.3768px;\">detta sammanhang vara f<span class=\"__12 _768\"/>\u00f6ret<span class=\"__12 _768\"/>agsobligationer<span class=\"__12 _a_11\"/>. I Sverige, </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:613.85156px;\">Norge och Danmark baseras disk<span class=\"__12 _768\"/>onteringsr<span class=\"__12 _768\"/>\u00e4nt<span class=\"__12 _768\"/>an p\u00e5 s\u00e4ker-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:600.3264px;\">st\u00e4llda obligationer<span class=\"__12 _a_11\"/>, medan den i Finland och Storbritannien </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:586.8012px;\">baseras p\u00e5 f<span class=\"__12 _768\"/>\u00f6retagsobliga<span class=\"__12 _768\"/>tioner<span class=\"__12 _a_11\"/>. I Sverige, Norge, Finland och </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:573.276px;\">Danmark h\u00e4rleds obligationernas kreditspr<span class=\"__12 _768\"/>ead \u00f6ver sw<span class=\"__12 _768\"/>app-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:559.7508px;\">kurvan fr<span class=\"__12 _768\"/>\u00e5n s\u00e4kerst\u00e4llda obligationer eller f<span class=\"__12 _768\"/>\u00f6ret<span class=\"__12 _768\"/>agsobligatio-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:546.2256px;\">ner med l\u00e4ngre l\u00f6ptid och e<span class=\"__12 _768\"/>xtrapoler<span class=\"__12 _768\"/>as till samma dura<span class=\"__12 _768\"/>tion </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:532.7004px;\">som pensionsf\u00f6rplik<span class=\"__12 _768\"/>telserna med hj\u00e4lp a<span class=\"__12 _a_11\"/>v relevanta sw<span class=\"__12 _768\"/>app-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:519.1752px;\">kurvor<span class=\"__12 _a_11\"/>. I Storbritannien extrapoler<span class=\"__12 _768\"/>as f<span class=\"__12 _768\"/>\u00f6retagsobligationernas </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:505.64996px;\">kreditspread mot s<span class=\"__12 _768\"/>tatsobliga<span class=\"__12 _768\"/>tioner till samma dura<span class=\"__12 _768\"/>tion som </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:492.12482px;\">pensionsf\u00f6rplik<span class=\"__12 _768\"/>telserna med hj\u00e4lp a<span class=\"__12 _768\"/>v st<span class=\"__12 _768\"/>atsobligationsk<span class=\"__12 _768\"/>urvan. </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:57.205498px; bottom:478.59958px;\">N\u00e4r ber\u00e4kningen resul<span class=\"__12 _768\"/>terar i en netto<span class=\"__12 _768\"/>tillg\u00e5ng begr\u00e4nsas </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:465.0744px;\">det redovisade v<span class=\"__12 _768\"/>\u00e4rdet p\u00e5 tillg\u00e5ngen till nuv\u00e4r<span class=\"__12 _768\"/>det av f<span class=\"__12 _768\"/>ram<span class=\"__12 _768\"/>tida </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:451.5492px;\">\u00e5terbetalningar f<span class=\"__12 _768\"/>r\u00e5n eller minskade inbetalningar till planen. </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:57.205498px; bottom:438.024px;\">S\u00e4rskild l\u00f6neskatt och socialf<span class=\"__12 _768\"/>\u00f6rs\u00e4kringsav<span class=\"__12 _768\"/>gifter ber\u00e4knas </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:424.49878px;\">och redovisas baser<span class=\"__12 _768\"/>at p\u00e5 redo<span class=\"__12 _768\"/>visat netto\u00f6<span class=\"__12 _768\"/>verskott eller net-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:410.9736px;\">tounderskott per plan och ing\u00e5r i balansr<span class=\"__12 _768\"/>\u00e4kningen som \u201dPen-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:397.4484px;\">sionsf\u00f6rplik<span class=\"__12 _768\"/>telser\u201d eller \u201dPensionstillg\u00e5ngar<span class=\"__12 _b_11\"/>\u201d<span class=\"__12 _777\"> </span><span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h6_11 ff1_12 fs4_11 fc3_8 sc0_12 ls0_12 ws0_12\" style=\"left:51.680237px; bottom:356.7038px;\">Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__12 _768\"/>ttningar </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:332.11963px;\">F\u00f6rplik<span class=\"__12 _768\"/>telser f<span class=\"__12 _768\"/>\u00f6r f<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbest\u00e4mda pensioner f<span class=\"__12 _768\"/>ramr\u00e4knas f<span class=\"__12 _768\"/>\u00f6r </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:318.59442px;\">de st\u00f6rre pensionsplanerna a<span class=\"__12 _a_11\"/>v externa aktuarier med hj\u00e4lp a<span class=\"__12 _768\"/>v </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:305.0692px;\">demogra\ufb01ska an<span class=\"__12 _768\"/>taganden baser<span class=\"__12 _768\"/>ade p\u00e5 aktuella bef<span class=\"__12 _768\"/>olknings-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:291.544px;\">data. Ber\u00e4kningarna bas<span class=\"__12 _768\"/>eras p\u00e5 ett an<span class=\"__12 _768\"/>tal aktuariella och </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:278.01883px;\">\ufb01nansiella parametrar<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:57.205498px; bottom:264.49362px;\">Uppskattningen a<span class=\"__12 _768\"/>v diskon<span class=\"__12 _768\"/>teringsr\u00e4n<span class=\"__12 _768\"/>tan \u00e4r f<span class=\"__12 _768\"/>\u00f6renad med </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:250.96841px;\">os\u00e4kerhet om huruvida marknaden f<span class=\"__12 _768\"/>\u00f6r f\u00f6r<span class=\"__12 _768\"/>etagsobligationer </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:237.4432px;\">\u00e4r tillr\u00e4ckligt djup och h\u00e5ller h\u00f6g kvalit<span class=\"__12 _768\"/>et. Os\u00e4kerhet \ufb01nns </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:223.91801px;\">\u00e4v<span class=\"__12 _768\"/>en kring extr<span class=\"__12 _768\"/>apoleringen a<span class=\"__12 _768\"/>v r\u00e4n<span class=\"__12 _768\"/>tekurvor f<span class=\"__12 _768\"/>\u00f6r relev<span class=\"__12 _768\"/>ant<span class=\"__12 _768\"/>a l\u00f6pti-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:210.39282px;\">der<span class=\"__12 _a_11\"/>. Andra parametrar<span class=\"__12 _a_11\"/>, s\u00e5som antaganden om l\u00f6ne\u00f6kningar </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:196.86761px;\">och inflation, bas<span class=\"__12 _768\"/>eras p\u00e5 den f<span class=\"__12 _768\"/>\u00f6rv\u00e4ntade l\u00e5ngsik<span class=\"__12 _768\"/>tiga utveck<span class=\"__12 _768\"/>-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:183.34242px;\">lingen f\u00f6r dessa par<span class=\"__12 _768\"/>ametrar och \u00e4r ocks\u00e5 f<span class=\"__12 _768\"/>\u00f6renade med os\u00e4<span class=\"__12 _768\"/>-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:169.81721px;\">kerhet i uppskattningarna. De vik<span class=\"__12 _768\"/>tigaste par<span class=\"__12 _768\"/>ametrarna som </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:156.29202px;\">anv\u00e4ndes vid \u00e5rsskiftet r<span class=\"__12 _768\"/>edovisas tillsammans med en </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:142.76682px;\">beskrivning av k<span class=\"__12 _768\"/>\u00e4nsligheten f\u00f6r f<span class=\"__12 _a_11\"/>\u00f6r\u00e4ndringar i antagandena. </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:129.24162px;\">F\u00f6rplik<span class=\"__12 _768\"/>telser f<span class=\"__12 _768\"/>\u00f6r f<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbest\u00e4mda pensioner uppgick vid </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:115.716415px;\"><span class=\"__12 _777\">\u00e5rets slut till 2 910 mn euro (3 801 mn eur</span><span class=\"__12 _768\"/>o).<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h6_11 ff1_12 fs4_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:951.164px;\">Pensionsk<span class=\"__12 _768\"/>ostnader<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:937.63495px;\">F\u00f6r<span class=\"__12 _768\"/>etagen inom Nordea har olika pensionsplaner<span class=\"__12 _a_11\"/>. De utg\u00f6rs </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:924.10974px;\">av b\u00e5de f<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4mda och av<span class=\"__12 _768\"/>giftsbest\u00e4mda planer<span class=\"__12 _a_11\"/>, i </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:910.58453px;\">enlighet med nationell praxis och de villk<span class=\"__12 _768\"/>or som g\u00e4ller i de </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:897.0593px;\">l\u00e4nder d\u00e4r Nordea verkar<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:370.06766px; bottom:867.51355px;\">Mn euro<span class=\"__12 _c_11\"> </span>2022<span class=\"__12 _d_11\"> </span>2021<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:370.06766px; bottom:850.3705px;\">A<span class=\"__12 _768\"/>vgiftsbest<span class=\"__12 _768\"/>\u00e4mda pensionsplaner<span class=\"__12 _1b_8\"> </span><span class=\"ls3_11 ws3_11\">-23<span class=\"__12 _b_11\"/>6<span class=\"__12 _779\"> </span>-2<span class=\"__12 _b_11\"/>35<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:370.06766px; bottom:833.2261px;\">F\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/><span class=\"__12 _777\">t\u00e4mda pensionsplaner1</span><span class=\"__12 _1c_8\"> </span>-41<span class=\"__12 _1d_8\"> </span>-44<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:370.06766px; bottom:816.08167px;\">Summa<span class=\"__12 _1e_8\"> </span><span class=\"ls3_11 ws3_11\">-27<span class=\"__12 _b_11\"/>7<span class=\"__12 _1f_8\"> </span>-27<span class=\"__12 _b_11\"/>9<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 hb_11 ff2_12 fs6_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:370.06766px; bottom:796.4261px;\">1)  Exklusive s\u00e4rskild l\u00f6neskatt i Sverige och s<span class=\"__12 _768\"/>ocialf\u00f6rs\u00e4kringsav<span class=\"__12 _768\"/>gifter i Norge total<span class=\"__12 _768\"/>t -10 </div><div class=\"t_12 m0_12 hb_11 ff2_12 fs6_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:379.86978px; bottom:787.5892px;\">mn euro (-11 mn euro).<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 he_11 ff2_12 fs4_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:758.3578px;\">A<span class=\"__12 _768\"/>v<span class=\"__12 _768\"/>giftsbest\u00e4mda pensionsplaner<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:744.8287px;\">Alla nyans<span class=\"__12 _768\"/>t\u00e4llda har erbjudits a<span class=\"__12 _768\"/>vgiftsbest<span class=\"__12 _768\"/>\u00e4mda pensionspla-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:731.30347px;\">ner sedan 2013, n\u00e4r den f\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4mda pensionsplanen i </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:717.77826px;\">Sverige s<span class=\"__12 _768\"/>t\u00e4ngdes f<span class=\"__12 _768\"/>\u00f6r nya del<span class=\"__12 _768\"/>tagare. <span class=\"__12 _768\"/>A<span class=\"__12 _768\"/>v<span class=\"__12 _768\"/>giftsbest\u00e4mda pen-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:704.25305px;\">sionsplaner f\u00f6ljer k<span class=\"__12 _768\"/>ollektiv<span class=\"__12 _768\"/>avt<span class=\"__12 _768\"/>alen och best\u00e4mmelserna i r<span class=\"__12 _768\"/>es-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:690.72784px;\">pektiv<span class=\"__12 _768\"/>e land. </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:377.79913px; bottom:677.2027px;\">I Norge omf<span class=\"__12 _768\"/>attas Nor<span class=\"__12 _768\"/>dea a<span class=\"__12 _768\"/>v en kollek<span class=\"__12 _768\"/>tiva<span class=\"__12 _768\"/>vtalad pensions-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:663.6775px;\">plan som g\u00e4ller f\u00f6r fler<span class=\"__12 _768\"/>a arbetsgivar<span class=\"__12 _768\"/>e i den privat<span class=\"__12 _768\"/>a sekt<span class=\"__12 _768\"/>orn </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:650.1523px;\">(AFP). Planen ger ber\u00f6r<span class=\"__12 _768\"/>da medarbetare ett livsl\u00e5ngt till\u00e4gg </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:636.6271px;\">till den normala pensionen. Eftersom uppgifter saknas om </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:623.10187px;\">Nordeas andel a<span class=\"__12 _768\"/>v skulderna/tillg\u00e5ngarna och pensionskos<span class=\"__12 _768\"/>t-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:609.57666px;\">naderna i planen, redovisas <span class=\"__12 _768\"/>AFP<span class=\"__12 _768\"/> som en av<span class=\"__12 _768\"/>giftsbest\u00e4md pen-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:596.05145px;\">sionsplan i enlighet med IAS 19.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:377.79913px; bottom:582.52625px;\">AFP \ufb01nansier<span class=\"__12 _768\"/>as genom en \u00e5rspremie som f<span class=\"__12 _768\"/>\u00f6r 2022 motsva<span class=\"__12 _768\"/>-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:569.0011px;\">rade 2,6 procen<span class=\"__12 _768\"/>t a<span class=\"__12 _768\"/>v medarbetarnas l\u00f6n mellan 1 och 7<span class=\"__12 _a_11\"/>,<span class=\"__12 _a_11\"/>1 g\u00e5ng-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:555.4759px;\">er det norska basbeloppet f\u00f6r sociala a<span class=\"__12 _768\"/>vgift<span class=\"__12 _768\"/>er<span class=\"__12 _a_11\"/>. Premien f\u00f6r </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:541.9507px;\">2022 uppgick till 3 mn euro (3 mn euro<span class=\"__12 _768\"/>).<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 he_11 ff2_12 fs4_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:514.834px;\">F\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4mda pensionsplaner<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:501.30487px;\">Planerna sk\u00f6ts i enlighet med na<span class=\"__12 _768\"/>tionella lagkra<span class=\"__12 _768\"/>v<span class=\"__12 _a_11\"/>, kollektiva<span class=\"__12 _768\"/>v-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:487.77966px;\">tal och nationell praxis. De grundas alla p\u00e5 sl<span class=\"__12 _768\"/>utl\u00f6n och tj\u00e4ns-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:474.25446px;\">te\u00e5r och ger pensionsf\u00f6rm\u00e5ner ut<span class=\"__12 _768\"/>\u00f6ver lags<span class=\"__12 _768\"/>tadgade system. </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:377.79913px; bottom:460.72928px;\">I Sverige \u00e4r det 2 842 (3 087) medarbetare vars huvudsak<span class=\"__12 _768\"/>-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:447.20407px;\">liga pension intj\u00e4nas i f<span class=\"__12 _768\"/>orm a<span class=\"__12 _768\"/>v f\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4mda pensionsr\u00e4<span class=\"__12 _768\"/>t-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:433.67886px;\">ter<span class=\"__12 _a_11\"/>. I Finland \u00e4r det 1 27<span class=\"__12 _b_11\"/>3 (1 359) medarbetare som tj\u00e4nar in </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:420.15366px;\">f\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4mda pensionsr\u00e4<span class=\"__12 _768\"/>tter som komplemen<span class=\"__12 _768\"/>t till den </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:406.62848px;\">lagstadgade pensionsplanen (T<span class=\"__12 _a_11\"/>yEL). I Norge \u00e4r det 271 (297) </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:393.10327px;\">medarbetare vars huvudsakliga pension in<span class=\"__12 _768\"/>tj\u00e4nas i form a<span class=\"__12 _a_11\"/>v </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:379.57806px;\">f\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4mda pensionsr\u00e4<span class=\"__12 _768\"/>tter och 1 308 (1 231) medarbe-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:366.05286px;\">tare har r\u00e4<span class=\"__12 _768\"/>tt till pensionsplaner f\u00f6r l\u00f6n s<span class=\"__12 _768\"/>om \u00f6verstiger t<span class=\"__12 _768\"/>olv </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:352.52768px;\">basbelopp f\u00f6r sociala a<span class=\"__12 _a_11\"/>vgifter eller kompensation fr<span class=\"__12 _768\"/>\u00e5n de </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:339.00247px;\">st\u00e4ngda f<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbest\u00e4mda pensionsplanerna 201<span class=\"__12 _768\"/>7<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h6_11 ff1_12 fs4_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:312.42657px;\">F<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbest\u00e4mda pensionstillg\u00e5ngar och -skul<span class=\"__12 _768\"/>der<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:370.06766px; bottom:282.36343px;\">Mn euro<span class=\"__12 _788\"> </span>31 dec 2022<span class=\"__12 _789\"> </span>31 dec 2021<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:370.06766px; bottom:265.2203px;\">Pensionsplaner med nettotill<span class=\"__12 _768\"/>g\u00e5ngar<span class=\"__12 _790\"> </span>165<span class=\"__12 _791\"> </span>221<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:370.06766px; bottom:248.07593px;\">Pensionsplaner med nettoskul<span class=\"__12 _768\"/>der<span class=\"__12 _792\"> </span>298<span class=\"__12 _793\"> </span>369<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:370.06766px; bottom:230.93152px;\">Nettoskuld(-)/-tillg\u00e5ng(+)<span class=\"__12 _794\"> </span>-133<span class=\"__12 _781\"> </span><span class=\"ls4_11 ws8_11\">-14<span class=\"__12 _b_11\"/>8<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:203.91687px;\">Skulderna t\u00e4cks normalt a<span class=\"__12 _768\"/>v tillg\u00e5ngar i s\u00e4rskilda </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:190.39166px;\">pensionskassor<span class=\"__12 _768\"/>/-stiftelser eller a<span class=\"__12 _a_11\"/>v kreditf\u00f6rs\u00e4kringsavtal </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:176.86647px;\">(endast S<span class=\"__12 _768\"/>verige). P<span class=\"__12 _768\"/>ensionskassor och pensionsstift<span class=\"__12 _768\"/>elser inne-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:163.34126px;\">har b\u00e5de tillg\u00e5ngarna och pensionsf\u00f6rplik<span class=\"__12 _768\"/>telserna, f<span class=\"__12 _768\"/>\u00f6rutom i </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:149.81607px;\">Sverige d\u00e4r pensionss<span class=\"__12 _768\"/>tiftelsen funger<span class=\"__12 _768\"/>ar som s\u00e4kerhet f<span class=\"__12 _768\"/>\u00f6r </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:136.29086px;\">Nordeas pensionsf<span class=\"__12 _768\"/>\u00f6rpliktels<span class=\"__12 _768\"/>er<span class=\"__12 _a_11\"/>.  </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:377.79913px; bottom:122.76567px;\">L\u00e4gsta f<span class=\"__12 _768\"/>onderingskra<span class=\"__12 _a_11\"/>v varierar f\u00f6r de olika pensionskas-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:109.24046px;\">sorna/pensionsstift<span class=\"__12 _768\"/>elserna beroende p\u00e5 nationella lagkr<span class=\"__12 _768\"/>a<span class=\"__12 _768\"/>v<span class=\"__12 _a_11\"/>. I </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:95.71527px;\">allm\u00e4nhet \u00e4r fonderingskr<span class=\"__12 _768\"/>av<span class=\"__12 _768\"/>et att pensionsf<span class=\"__12 _768\"/>\u00f6rplik<span class=\"__12 _768\"/>telserna,<span class=\"__12 _777\"> </span></div>167<span class=\"__12 _777\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__12 _777\"> </span>Inledning<span class=\"__12 _767\"> </span><span class=\"__12 _777\">Aff</span><span class=\"__12 _768\"/>\u00e4rsomr\u00e5den<span class=\"__12 _769\"/><span class=\"ws0_12\">V<span class=\"__12 _768\"/>\u00e5ra in<span class=\"__12 _768\"/>tressent<span class=\"__12 _768\"/>er<span class=\"__12 _770\"> </span><span class=\"ff1_12\">Finansiella rapporter<span class=\"__12 _771\"/><span class=\"ff2_12 ws2_11\">F\u00f6rvaltningsber<span class=\"__12 _768\"/>\u00e4ttelse<span class=\"__12 _772\"> </span>H\u00e5llbarhetsnoter<span class=\"__12 _773\"> </span>\u00d6vrigt<span class=\"__12 _774\"/><span class=\"ws0_12\">Strategisk r<span class=\"__12 _768\"/>apport<span class=\"__12 _777\"> </span></span></span></span></span>K8.2 <span class=\"__12 _1a_8\"> </span>Pensioner<span class=\"__12 _768\"/>, forts.<span class=\"__12 _777\"> </span>ber\u00e4knade enligt nationella kr<span class=\"__12 _768\"/>av<span class=\"__12 _a_11\"/>, ska vara hel<span class=\"__12 _768\"/>t t\u00e4ckt<span class=\"__12 _768\"/>a av ett f\u00f6r<span class=\"__12 _768\"/>de\ufb01nierat \u00f6<span class=\"__12 _768\"/>verskott. Andr<span class=\"__12 _768\"/>a pensionsplaner omf<span class=\"__12 _768\"/>attas in<span class=\"__12 _768\"/>te av f<span class=\"__12 _768\"/>onderingskra<span class=\"__12 _a_11\"/>v och \u00e4r vanligtvis ofonderade. R<span class=\"__12 _768\"/>espek<span class=\"__12 _768\"/>tive Nordeaf<span class=\"__12 _768\"/>\u00f6retag som erbjuder f<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4mda pensionspla-<span class=\"__12 _777\"> </span>ner fungerar som uppdr<span class=\"__12 _768\"/>agsgivande f<span class=\"__12 _768\"/>\u00f6retag, i enlighet med EU:s IORP II-direk<span class=\"__12 _768\"/>tiv<span class=\"__12 _a_11\"/>. F\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4mda planer p\u00e5<span class=\"__12 _768\"/>verkar Nordea genom f<span class=\"__12 _768\"/>\u00f6r<span class=\"__12 _768\"/>\u00e4nd-<span class=\"__12 _777\"> </span>ringar i nuv\u00e4rdet a<span class=\"__12 _768\"/>v nettof<span class=\"__12 _a_11\"/>\u00f6rpliktelserna och/<span class=\"__12 _768\"/>eller f\u00f6r<span class=\"__12 _768\"/>\u00e4ndring-<span class=\"__12 _777\"> </span>ar i marknadsv\u00e4rdet p\u00e5 f<span class=\"__12 _768\"/>\u00f6rvaltningstill<span class=\"__12 _768\"/>g\u00e5ngarna.<span class=\"__12 _777\"> </span>Pensionsber<span class=\"__12 _768\"/>\u00e4kningar och antaganden enligt IAS 19<span class=\"__12 _777\"> </span>Ber\u00e4kningar f<span class=\"__12 _768\"/>\u00f6r st\u00f6rr<span class=\"__12 _768\"/>e planer utf\u00f6rs a<span class=\"__12 _768\"/>v ex<span class=\"__12 _768\"/>terna ak<span class=\"__12 _768\"/>tuarier och baseras p\u00e5 ak<span class=\"__12 _768\"/>tuariella antaganden, s<span class=\"__12 _768\"/>om speglar f\u00f6rv\u00e4n<span class=\"__12 _768\"/>tning-<span class=\"__12 _777\"> </span>arna p\u00e5 l\u00e5ng sikt.<span class=\"__12 _777\"> </span><span class=\"__12 _777\">Antaganden1<span class=\"__12 _777\"> </span></span>SE<span class=\"__12 _795\"> </span>NO<span class=\"__12 _796\"> </span>FI<span class=\"__12 _797\"> </span>DK<span class=\"__12 _2a_6\"> </span>GB<span class=\"__12 _777\"> </span>2022<span class=\"__12 _777\"> </span>Diskonterings-<span class=\"__12 _777\"> </span>r\u00e4nt<span class=\"__12 _b_11\"/>a<span class=\"__12 _2b_6\"> </span><span class=\"ls0_12 ws0_12\">3,28 %<span class=\"__12 _2c_6\"> </span>3,40 %<span class=\"__12 _2d_6\"> </span>2,95 %<span class=\"__12 _2e_6\"> </span>3,20 %<span class=\"__12 _2f_6\"> </span>4,68 %<span class=\"__12 _777\"> </span></span>L\u00f6ne\u00f6kning<span class=\"__12 _798\"> </span>3,00 %<span class=\"__12 _2c_6\"> </span>3,50 %<span class=\"__12 _797\"> </span>3,<span class=\"__12 _a_11\"/>10 %<span class=\"__12 _799\"> </span>2,25 %<span class=\"__12 _800\"> </span>\u2013<span class=\"__12 _777\"> </span>Inflation<span class=\"__12 _d_11\"> </span>2,00 %<span class=\"__12 _2c_6\"> </span>2,00 %<span class=\"__12 _801\"> </span>2,60 %<span class=\"__12 _802\"> </span><span class=\"__12 _777\">\u20132</span><span class=\"__12 _803\"> </span>3,50 %<span class=\"__12 _777\"> </span>D\u00f6dlighet<span class=\"__12 _804\"> </span>DUS21<span class=\"__12 _805\"> </span>K2013BE<span class=\"__12 _2e_6\"> </span>Gompertz<span class=\"__12 _806\"> </span><span class=\"ls4_11 ws8_11\">FSA<span class=\"__12 _807\"> </span></span>S3PMA_L/<span class=\"__12 _777\"> </span>S3PF<span class=\"__12 _768\"/>A_M<span class=\"__12 _777\"> </span>3<span class=\"__12 _777\"> </span>2021<span class=\"__12 _777\"> </span>Diskonterings-<span class=\"__12 _777\"> </span>r\u00e4nt<span class=\"__12 _b_11\"/>a<span class=\"__12 _3a_7\"> </span><span class=\"ls0_12 ws0_12\">1,44 %<span class=\"__12 _2d_6\"> </span>1,96 %<span class=\"__12 _2c_6\"> </span>0,65 %<span class=\"__12 _3b_6\"> </span>1,05 %<span class=\"__12 _3c_6\"> </span>1,53 %<span class=\"__12 _777\"> </span></span>L\u00f6ne\u00f6kning<span class=\"__12 _798\"> </span>3,00 %<span class=\"__12 _2d_6\"> </span>2,25 %<span class=\"__12 _3d_6\"> </span>2,25 %<span class=\"__12 _799\"> </span>2,25 %<span class=\"__12 _800\"> </span>\u2013<span class=\"__12 _777\"> </span>Inflation<span class=\"__12 _d_11\"> </span>2,00 %<span class=\"__12 _3d_6\"> </span>1,50 %<span class=\"__12 _797\"> </span>1,<span class=\"__12 _768\"/>75 %<span class=\"__12 _802\"> </span><span class=\"__12 _777\">\u20132</span><span class=\"__12 _2f_6\"> </span>3,00 %<span class=\"__12 _777\"> </span>D\u00f6dlighet<span class=\"__12 _802\"> </span>DUS14<span class=\"__12 _805\"> </span>K2013BE<span class=\"__12 _2e_6\"> </span>Gompertz<span class=\"__12 _806\"> </span><span class=\"ls4_11 ws8_11\">FSA<span class=\"__12 _807\"> </span></span>S3PMA_L/<span class=\"__12 _777\"> </span>S3PF<span class=\"__12 _768\"/>A_M<span class=\"__12 _777\"> </span>3<span class=\"__12 _777\"> </span>1)   <span class=\"__12 _786\"/>Antagandena som anges f<span class=\"__12 _768\"/>\u00f6r 2022 har en inverkan p\u00e5 skuldber<span class=\"__12 _768\"/>\u00e4kningen vid slutet a<span class=\"__12 _768\"/>v 2022, medan antagandena som anges f<span class=\"__12 _768\"/>\u00f6r 2021 anv\u00e4nds f<span class=\"__12 _768\"/>\u00f6r ber\u00e4kning av pensions-<span class=\"__12 _777\"> </span>kostnaden 2022. 2)   <span class=\"__12 _786\"/>Alla pensioner i Danmark \u00e4r l\u00f6neindexer<span class=\"__12 _768\"/>ade. Inflationen har d\u00e4r<span class=\"__12 _768\"/>av ingen inv<span class=\"__12 _768\"/>erkan p\u00e5 pensionsf\u00f6rplikt<span class=\"__12 _768\"/>elsen. 3)   <span class=\"__12 _786\"/>Baserat p\u00e5 de grundtabeller och den modell f\u00f6r f<span class=\"__12 _768\"/>\u00f6rv\u00e4ntad livsl\u00e4ngd som publicer<span class=\"__12 _768\"/>ats av Con<span class=\"__12 _768\"/>tinuous Mortality Investigation (<span class=\"__12 _768\"/>CMI), d\u00e4r CMI:s prognoser f<span class=\"__12 _768\"/>\u00f6r 2021 har anv\u00e4nts i ber<span class=\"__12 _768\"/>\u00e4kningen f\u00f6r 2022, 2020-prognoserna f<span class=\"__12 _768\"/>\u00f6r 2021.<span class=\"__12 _777\"> </span>K\u00e4nsligheter \u2013 inv<span class=\"__12 _768\"/>erkan p\u00e5 pensionsf<span class=\"__12 _768\"/>\u00f6rplikt<span class=\"__12 _768\"/>else<span class=\"__12 _777\"> </span>%<span class=\"__12 _3e_6\"> </span>SE<span class=\"__12 _3c_6\"> </span>NO<span class=\"__12 _3f_6\"> </span>FI<span class=\"__12 _781\"> </span>DK<span class=\"__12 _1f_8\"> </span>GB<span class=\"__12 _777\"> </span>Diskonteringsr<span class=\"__12 _768\"/>\u00e4nta - \u00f6kning 50 pkt<span class=\"__12 _803\"> </span>-8,8 %<span class=\"__12 _808\"> </span>-7<span class=\"__12 _a_11\"/>,0 %<span class=\"__12 _809\"> </span>-5,3 %<span class=\"__12 _773\"> </span>-<span class=\"__12 _b_11\"/>4,0 %<span class=\"__12 _773\"> </span>-6,8 %<span class=\"__12 _777\"> </span>Diskonteringsr<span class=\"__12 _768\"/>\u00e4nta - minskning 50 pkt<span class=\"__12 _798\"> </span>9,3 %<span class=\"__12 _810\"> </span><span class=\"ls6_11 wsa_11\">7,<span class=\"__12 _b_11\"/>7<span class=\"__12 _b_11\"/> %<span class=\"__12 _811\"> </span></span>5,9 %<span class=\"__12 _812\"> </span>4,3 %<span class=\"__12 _811\"> </span>7<span class=\"__12 _768\"/>,6 %<span class=\"__12 _777\"> </span>L\u00f6ne\u00f6kning  - \u00f6kning 50 pkt<span class=\"__12 _813\"> </span>1,6 %<span class=\"__12 _812\"> </span>0,2 %<span class=\"__12 _812\"> </span>0,2 %<span class=\"__12 _812\"> </span>4,9 %<span class=\"__12 _791\"> </span>\u2013<span class=\"__12 _777\"> </span>L\u00f6ne\u00f6kning  - minskning 50 pkt<span class=\"__12 _773\"> </span>-1,8 %<span class=\"__12 _814\"> </span>-0,2 %<span class=\"__12 _814\"> </span>-0,2 %<span class=\"__12 _814\"> </span>-4,6 %<span class=\"__12 _791\"> </span>\u2013<span class=\"__12 _777\"> </span>Inflation  - \u00f6kning 50 pkt<span class=\"__12 _815\"> </span>9,0 %<span class=\"__12 _811\"> </span><span class=\"ls6_11 wsa_11\">7,<span class=\"__12 _b_11\"/>8<span class=\"__12 _816\"/> %<span class=\"__12 _811\"> </span></span>4,3 %<span class=\"__12 _791\"> </span>\u2013<span class=\"__12 _811\"> </span>1,6 %<span class=\"__12 _777\"> </span>Inflation  - minskning 50 pkt<span class=\"__12 _817\"> </span>-8,5 %<span class=\"__12 _812\"> </span><span class=\"ls6_11 wsa_11\">-7,1<span class=\"__12 _b_11\"/> %<span class=\"__12 _809\"> </span></span>-4,0 %<span class=\"__12 _791\"> </span>\u2013<span class=\"__12 _4a_4\"> </span>-1,5 %<span class=\"__12 _777\"> </span>D\u00f6dlighet  - \u00f6kning 1 \u00e5r<span class=\"__12 _4b_4\"> </span>4,2 %<span class=\"__12 _811\"> </span>3,3 %<span class=\"__12 _812\"> </span>4,5 %<span class=\"__12 _811\"> </span>5,<span class=\"__12 _768\"/>7 %<span class=\"__12 _812\"> </span>3,3 %<span class=\"__12 _777\"> </span>D\u00f6dlighet  - minskning 1 \u00e5r<span class=\"__12 _802\"> </span>-4,7 %<span class=\"__12 _773\"> </span>-4,8 %<span class=\"__12 _4c_4\"> </span>-4,4 %<span class=\"__12 _814\"> </span>-5,6 %<span class=\"__12 _809\"> </span>-3,3 %<span class=\"__12 _777\"> </span>K\u00e4nslighetsanalys<span class=\"__12 _768\"/>en utf\u00f6rs genom att ett ak<span class=\"__12 _768\"/>tuariellt an<span class=\"__12 _768\"/>tagande \u00e4ndras medan de andra an<span class=\"__12 _768\"/>tagandena h\u00e5lls of<span class=\"__12 _768\"/>\u00f6r\u00e4ndr<span class=\"__12 _768\"/>ade. Detta \u00e4r en f\u00f6r<span class=\"__12 _768\"/>enklad princip eftersom de aktuariella an<span class=\"__12 _768\"/>tagandena vanligtvis \u00e4r korrel<span class=\"__12 _768\"/>erade. Dock m\u00f6jligg\u00f6r den att man kan iso<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span><span class=\"__12 _777\">lera en eff</span><span class=\"__12 _768\"/>ekt f<span class=\"__12 _768\"/>r\u00e5n en annan. Metoden som an<span class=\"__12 _768\"/>v\u00e4n<span class=\"__12 _768\"/>ts f<span class=\"__12 _768\"/>\u00f6r att <span class=\"__12 _777\">ber\u00e4kna eff</span><span class=\"__12 _768\"/>ekt<span class=\"__12 _768\"/>en p\u00e5 pensionsf\u00f6rplik<span class=\"__12 _768\"/>telsen \u00e4r densamma som den som anv\u00e4n<span class=\"__12 _768\"/>ts f<span class=\"__12 _768\"/>\u00f6r ber\u00e4kning a<span class=\"__12 _768\"/>v den redo<span class=\"__12 _768\"/>visade pensionsf\u00f6r<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>pliktels<span class=\"__12 _768\"/>en. K\u00e4nslighetsanalys<span class=\"__12 _768\"/><span class=\"__12 _777\">en inkluderar eff</span><span class=\"__12 _768\"/>ek<span class=\"__12 _768\"/>ten a<span class=\"__12 _768\"/>v skulder f\u00f6r f<span class=\"__12 _768\"/>ram<span class=\"__12 _768\"/>tida l\u00f6neskatt i S<span class=\"__12 _768\"/>verige och socialf<span class=\"__12 _768\"/>\u00f6rs\u00e4kringsav<span class=\"__12 _768\"/>gifter i Norge.<span class=\"__12 _777\"> </span>Pensionsskulder<span class=\"__12 _a_11\"/>/-tillg\u00e5ngar<span class=\"__12 _a_11\"/>, netto<span class=\"__12 _777\"> </span>Mn euro<span class=\"__12 _4d_4\"> </span>SE 2022<span class=\"__12 _781\"> </span>NO 2022<span class=\"__12 _793\"> </span>FI 2022<span class=\"__12 _1d_8\"> </span>DK 2022<span class=\"__12 _1f_8\"> </span>GB 2022<span class=\"__12 _810\"> </span>Summa 2022<span class=\"__12 _810\"> </span>Summa 2021<span class=\"__12 _777\"> </span>Pensionsf<span class=\"__12 _768\"/>\u00f6rpliktelser<span class=\"__12 _4e_4\"> </span>1 454<span class=\"__12 _4f_4\"> </span>719<span class=\"__12 _2a_6\"> </span>609<span class=\"__12 _818\"> </span>69<span class=\"__12 _819\"> </span>59<span class=\"__12 _3a_7\"> </span>2 910<span class=\"__12 _3a_7\"> </span>3 801<span class=\"__12 _777\"> </span>F\u00f6rvaltnings<span class=\"__12 _768\"/>tillg\u00e5ngar<span class=\"__12 _820\"> </span>1 335<span class=\"__12 _2b_6\"> </span>625<span class=\"__12 _821\"> </span>650<span class=\"__12 _818\"> </span>90<span class=\"__12 _822\"> </span><span class=\"ls8_11 wsc_11\">77<span class=\"__12 _4f_4\"> </span>2 777<span class=\"__12 _2b_6\"> </span></span>3 653<span class=\"__12 _777\"> </span>Nettoskuld(-)/-tillg\u00e5ng (+)<span class=\"__12 _823\"> </span>-119<span class=\"__12 _3a_7\"> </span>-94<span class=\"__12 _819\"> </span>41<span class=\"__12 _824\"> </span>21<span class=\"__12 _825\"> </span>18<span class=\"__12 _819\"> </span>-133<span class=\"__12 _800\"> </span><span class=\"ls4_11 ws8_11\">-148<span class=\"__12 _777\"> </span></span>- vara<span class=\"__12 _768\"/>v planer med nettotillg\u00e5ngar<span class=\"__12 _826\"> </span>2<span class=\"__12 _822\"> </span><span class=\"ls8_11 wsc_11\">77<span class=\"__12 _800\"> </span></span>45<span class=\"__12 _827\"> </span><span class=\"ls8_11 wsc_11\">23<span class=\"__12 _825\"> </span></span>18<span class=\"__12 _5a_4\"> </span>165<span class=\"__12 _818\"> </span>221<span class=\"__12 _777\"> </span>- vara<span class=\"__12 _768\"/>v planer med nettoskulder<span class=\"__12 _5b_4\"> </span>121<span class=\"__12 _5c_4\"> </span><span class=\"ls4_11 ws8_11\">171<span class=\"__12 _5d_4\"> </span></span>4<span class=\"__12 _5e_4\"> </span>2<span class=\"__12 _5d_4\"> </span>\u2013<span class=\"__12 _5f_4\"> </span>298<span class=\"__12 _5f_4\"> </span>369<span class=\"__12 _777\"> </span><div class=\"t_12 m0_12 h1_12 ff1_12 fs0_12 fc0_12 sc0_12 ls0_12 ws0_12\" style=\"left:0.002374649px; bottom:2.1012287px;\">168<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h2_12 ff2_12 fs1_11 fc0_12 sc0_12 ls0_12 ws1_12\" style=\"left:44.310143px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h3_11 ff2_12 fs1_11 fc0_12 sc0_12 ls1_12 ws2_11\" style=\"left:48.511353px; bottom:1029.1447px;\">Inledning<span class=\"__12 _767\"> </span><span class=\"__12 _777\">Aff</span><span class=\"__12 _768\"/>\u00e4rsomr\u00e5den<span class=\"__12 _769\"/><span class=\"ws0_12\">V<span class=\"__12 _768\"/>\u00e5ra in<span class=\"__12 _768\"/>tressent<span class=\"__12 _768\"/>er<span class=\"__12 _770\"> </span><span class=\"ff1_12\">Finansiella rapporter<span class=\"__12 _771\"/><span class=\"ff2_12 ws2_11\">F\u00f6rvaltningsber<span class=\"__12 _768\"/>\u00e4ttelse<span class=\"__12 _772\"> </span>H\u00e5llbarhetsnoter<span class=\"__12 _773\"> </span>\u00d6vrigt<span class=\"__12 _774\"/><span class=\"ws0_12\">Strategisk r<span class=\"__12 _768\"/>apport<span class=\"__12 _777\"> </span></span></span></span></span></div><div class=\"t_12 m0_12 hd_11 ff4_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:986.27924px;\">K8.2 <span class=\"__12 _1a_8\"> </span>Pensioner<span class=\"__12 _768\"/>, forts.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h7_11 ff1_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:951.6515px;\">F\u00f6r<span class=\"__12 _768\"/>\u00e4ndringar i f<span class=\"__12 _768\"/>\u00f6rpliktels<span class=\"__12 _768\"/>erna </div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:935.1175px;\">2022, mn euro<span class=\"__12 _828\"> </span>SE<span class=\"__12 _822\"> </span>NO<span class=\"__12 _5f_4\"> </span>FI<span class=\"__12 _2b_6\"> </span>DK<span class=\"__12 _829\"> </span>GB<span class=\"__12 _803\"> </span>Summa<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:917.97424px;\">Ing\u00e5ende balans<span class=\"__12 _830\"> </span>2 033<span class=\"__12 _5c_4\"> </span>830<span class=\"__12 _829\"> </span><span class=\"ls9_11 wsd_11\">74<span class=\"__12 _b_11\"/>4<span class=\"__12 _831\"> </span></span>88<span class=\"__12 _832\"> </span>106<span class=\"__12 _3f_6\"> </span>3 801<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:900.82983px;\">Kostnader a<span class=\"__12 _768\"/>vseende tj\u00e4nst<span class=\"__12 _768\"/>g\u00f6ring under innevarande \u00e5r<span class=\"__12 _833\"> </span>29<span class=\"__12 _834\"> </span>6<span class=\"__12 _827\"> </span>2<span class=\"__12 _819\"> </span>\u2013<span class=\"__12 _835\"> </span>\u2013<span class=\"__12 _831\"> </span>37<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:883.6854px;\">R\u00e4ntekos<span class=\"__12 _768\"/>tnader<span class=\"__12 _836\"> </span>28<span class=\"__12 _5d_4\"> </span>15<span class=\"__12 _5d_4\"> </span>5<span class=\"__12 _5f_4\"> </span>1<span class=\"__12 _825\"> </span>2<span class=\"__12 _837\"> </span><span class=\"ls4_11 ws8_11\">51<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:866.541px;\">Utbetalda pensioner<span class=\"__12 _6a_4\"> </span>-69<span class=\"__12 _819\"> </span>-32<span class=\"__12 _3a_7\"> </span>-38<span class=\"__12 _5c_4\"> </span>-5<span class=\"__12 _837\"> </span>-5<span class=\"__12 _783\"> </span><span class=\"ls4_11 ws8_11\">-149<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:849.39667px;\">Kostnader a<span class=\"__12 _768\"/>vseende tj\u00e4nst<span class=\"__12 _768\"/>g\u00f6ring tidigare \u00e5r samt r<span class=\"__12 _768\"/>egleringar<span class=\"__12 _5d_4\"> </span>1<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _5d_4\"> </span>0<span class=\"__12 _819\"> </span>\u2013<span class=\"__12 _835\"> </span>\u2013<span class=\"__12 _5f_4\"> </span>1<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:832.25226px;\">Omv\u00e4rdering f<span class=\"__12 _768\"/>r\u00e5n f<span class=\"__12 _768\"/>\u00f6r\u00e4ndringar i demogra\ufb01sk<span class=\"__12 _768\"/>a antaganden<span class=\"__12 _6b_4\"> </span>8<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _5a_4\"> </span>\u2013<span class=\"__12 _800\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _819\"> </span></span>0<span class=\"__12 _822\"> </span>7<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:815.10785px;\">Omv\u00e4rdering f<span class=\"__12 _768\"/>r\u00e5n f<span class=\"__12 _768\"/>\u00f6r\u00e4ndringar i \ufb01nansiella antaganden<span class=\"__12 _6c_4\"> </span>-558<span class=\"__12 _825\"> </span>-81<span class=\"__12 _6d_4\"> </span>-129<span class=\"__12 _2a_6\"> </span><span class=\"ls4_11 ws8_11\">-15<span class=\"__12 _4b_4\"> </span></span>-41<span class=\"__12 _6e_4\"> </span>-824<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:797.96344px;\">Omv\u00e4rdering f<span class=\"__12 _768\"/>r\u00e5n erfarenhetsbas<span class=\"__12 _768\"/>erade justeringar<span class=\"__12 _6f_4\"> </span>123<span class=\"__12 _818\"> </span>19<span class=\"__12 _835\"> </span><span class=\"lsa_11 wse_11\">25<span class=\"__12 _5f_4\"> </span></span>1<span class=\"__12 _822\"> </span>1<span class=\"__12 _796\"> </span>169<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:780.81903px;\"><span class=\"__12 _777\">Omr\u00e4kningsdiff</span><span class=\"__12 _768\"/>erenser<span class=\"__12 _838\"> </span>-132<span class=\"__12 _835\"> </span>-36<span class=\"__12 _5a_4\"> </span>\u2013<span class=\"__12 _825\"> </span>0<span class=\"__12 _4f_4\"> </span><span class=\"ls8_11 wsc_11\">-4<span class=\"__12 _839\"> </span><span class=\"ls4_11 ws8_11\">-17<span class=\"__12 _b_11\"/>2<span class=\"__12 _777\"> </span></span></span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:763.6746px;\">F\u00f6r\u00e4ndring a<span class=\"__12 _768\"/>v a<span class=\"__12 _768\"/>vs\u00e4ttning f<span class=\"__12 _768\"/>\u00f6r s\u00e4rskild l\u00f6neskatt och </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:752.62726px;\">socialf\u00f6rs\u00e4kringsa<span class=\"__12 _768\"/><span class=\"__12 _777\">vgifter1</span><span class=\"__12 _840\"> </span>-9<span class=\"__12 _827\"> </span><span class=\"ls3_11 ws3_11\">-2<span class=\"__12 _818\"> </span></span>\u2013<span class=\"__12 _825\"> </span>\u2013<span class=\"__12 _835\"> </span>\u2013<span class=\"__12 _821\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _b_11\"/>1<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:735.48285px;\">Utg\u00e5ende balans<span class=\"__12 _841\"> </span>1 454<span class=\"__12 _800\"> </span>719<span class=\"__12 _4b_4\"> </span>609<span class=\"__12 _3a_7\"> </span>69<span class=\"__12 _2b_6\"> </span>59<span class=\"__12 _3f_6\"> </span>2 910<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:718.33844px;\">- vara<span class=\"__12 _768\"/>v h\u00e4nf<span class=\"__12 _768\"/>\u00f6rlig till aktiv<span class=\"__12 _768\"/>a deltagare<span class=\"__12 _842\"> </span>20 %<span class=\"__12 _2b_6\"> </span>11 %<span class=\"__12 _843\"> </span>10 %<span class=\"__12 _819\"> </span>\u2013<span class=\"__12 _835\"> </span>\u2013<span class=\"__12 _6e_4\"> </span>15 %<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:693.558px;\">2021, mn euro<span class=\"__12 _844\"> </span>SE<span class=\"__12 _822\"> </span>NO<span class=\"__12 _5f_4\"> </span>FI<span class=\"__12 _2b_6\"> </span>DK<span class=\"__12 _829\"> </span>GB<span class=\"__12 _803\"> </span>Summa<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:676.41486px;\">Ing\u00e5ende balans<span class=\"__12 _845\"> </span>2 058<span class=\"__12 _5c_4\"> </span>796<span class=\"__12 _2a_6\"> </span>806<span class=\"__12 _6d_4\"> </span>103<span class=\"__12 _846\"> </span>108<span class=\"__12 _791\"> </span>3 871<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:659.27045px;\">Kostnader a<span class=\"__12 _768\"/>vseende tj\u00e4nst<span class=\"__12 _768\"/>g\u00f6ring under innevarande \u00e5r<span class=\"__12 _847\"> </span>32<span class=\"__12 _834\"> </span>4<span class=\"__12 _5d_4\"> </span>3<span class=\"__12 _825\"> </span>\u2013<span class=\"__12 _835\"> </span>\u2013<span class=\"__12 _3a_7\"> </span>39<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:642.1261px;\">R\u00e4ntekos<span class=\"__12 _768\"/>tnader<span class=\"__12 _7a_4\"> </span>22<span class=\"__12 _818\"> </span><span class=\"ls4_11 ws8_11\">14<span class=\"__12 _824\"> </span></span>1<span class=\"__12 _825\"> </span>0<span class=\"__12 _7b_4\"> </span>1<span class=\"__12 _3a_7\"> </span>38<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:624.9817px;\">Utbetalda pensioner<span class=\"__12 _7c_4\"> </span><span class=\"lsb_11 wsf_11\">-71<span class=\"__12 _819\"> </span></span>-30<span class=\"__12 _4f_4\"> </span>-<span class=\"__12 _b_11\"/>41<span class=\"__12 _5c_4\"> </span>-5<span class=\"__12 _5c_4\"> </span><span class=\"lsb_11 wsf_11\">-7<span class=\"__12 _783\"> </span></span>-154<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:607.8373px;\">Kostnader a<span class=\"__12 _768\"/>vseende tj\u00e4nst<span class=\"__12 _768\"/>g\u00f6ring tidigare \u00e5r samt r<span class=\"__12 _768\"/>egleringar<span class=\"__12 _5d_4\"> </span>1<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _5d_4\"> </span>0<span class=\"__12 _825\"> </span>0<span class=\"__12 _835\"> </span>\u2013<span class=\"__12 _7d_5\"> </span>1<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:590.6929px;\">Omv\u00e4rdering f<span class=\"__12 _768\"/>r\u00e5n f<span class=\"__12 _768\"/>\u00f6r\u00e4ndringar i demogra\ufb01sk<span class=\"__12 _768\"/>a antaganden<span class=\"__12 _7e_4\"> </span>\u2013<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _818\"> </span>0<span class=\"__12 _825\"> </span>0<span class=\"__12 _7f_5\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _7f_5\"> </span>-1<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:573.54846px;\">Omv\u00e4rdering f<span class=\"__12 _768\"/>r\u00e5n f<span class=\"__12 _768\"/>\u00f6r\u00e4ndringar i \ufb01nansiella antaganden<span class=\"__12 _848\"> </span><span class=\"lsc_11 ws10_11\">52<span class=\"__12 _825\"> </span><span class=\"ls4_11 ws8_11\">-14<span class=\"__12 _849\"> </span>-13<span class=\"__12 _7f_5\"> </span><span class=\"lsb_11 wsf_11\">-7<span class=\"__12 _837\"> </span><span class=\"ls8_11 wsc_11\">-4<span class=\"__12 _4f_4\"> </span></span></span>14<span class=\"__12 _777\"> </span></span></span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:556.40405px;\">Omv\u00e4rdering f<span class=\"__12 _768\"/>r\u00e5n erfarenhetsbas<span class=\"__12 _768\"/>erade justeringar<span class=\"__12 _850\"> </span>-5<span class=\"__12 _5a_4\"> </span><span class=\"ls8_11 wsc_11\">23<span class=\"__12 _837\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _b_11\"/>2<span class=\"__12 _849\"> </span></span></span>-3<span class=\"__12 _7b_4\"> </span>1<span class=\"__12 _825\"> </span>4<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:539.25964px;\">F\u00f6rv\u00e4rv<span class=\"__12 _768\"/>/<span class=\"__12 _768\"/>omklassi\ufb01ceringar<span class=\"__12 _851\"> </span>\u2013<span class=\"__12 _852\"> </span>3<span class=\"__12 _5a_4\"> </span>\u2013<span class=\"__12 _825\"> </span>\u2013<span class=\"__12 _835\"> </span>\u2013<span class=\"__12 _825\"> </span>3<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:522.1153px;\"><span class=\"__12 _777\">Omr\u00e4kningsdiff</span><span class=\"__12 _768\"/>erenser<span class=\"__12 _853\"> </span>-54<span class=\"__12 _854\"> </span>36<span class=\"__12 _5a_4\"> </span>\u2013<span class=\"__12 _825\"> </span>0<span class=\"__12 _819\"> </span>8<span class=\"__12 _4b_4\"> </span><span class=\"ls4_11 ws8_11\">-10<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:504.9709px;\">F\u00f6r\u00e4ndring a<span class=\"__12 _768\"/>v a<span class=\"__12 _768\"/>vs\u00e4ttning f<span class=\"__12 _768\"/>\u00f6r s\u00e4rskild l\u00f6neskatt och </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:493.92346px;\">socialf\u00f6rs\u00e4kringsa<span class=\"__12 _768\"/><span class=\"__12 _777\">vgifter1</span><span class=\"__12 _855\"> </span><span class=\"ls3_11 ws3_11\">-2<span class=\"__12 _824\"> </span>-2<span class=\"__12 _5a_4\"> </span></span>\u2013<span class=\"__12 _825\"> </span>\u2013<span class=\"__12 _835\"> </span>\u2013<span class=\"__12 _837\"> </span><span class=\"ls8_11 wsc_11\">-4<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:476.77908px;\">Utg\u00e5ende balans<span class=\"__12 _841\"> </span>2 033<span class=\"__12 _849\"> </span>830<span class=\"__12 _821\"> </span><span class=\"ls9_11 wsd_11\">74<span class=\"__12 _816\"/>4<span class=\"__12 _3a_7\"> </span></span>88<span class=\"__12 _846\"> </span>106<span class=\"__12 _3f_6\"> </span>3 801<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:459.63467px;\">- vara<span class=\"__12 _768\"/>v h\u00e4nf<span class=\"__12 _768\"/>\u00f6rlig till aktiv<span class=\"__12 _768\"/>a deltagare<span class=\"__12 _842\"> </span>26 %<span class=\"__12 _829\"> </span>12 %<span class=\"__12 _846\"> </span>13 %<span class=\"__12 _819\"> </span>\u2013<span class=\"__12 _835\"> </span>\u2013<span class=\"__12 _795\"> </span>19 %<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hb_11 ff2_12 fs6_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:438.51538px;\">1)  A<span class=\"__12 _768\"/>vser f\u00f6r<span class=\"__12 _768\"/>\u00e4ndring i avs\u00e4<span class=\"__12 _768\"/>ttning f\u00f6r s\u00e4rskild l\u00f6neskatt i S<span class=\"__12 _768\"/>verige och socialf\u00f6rs\u00e4kringsa<span class=\"__12 _768\"/>vgifter i Norge.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:395.21057px;\">F\u00f6rplik<span class=\"__12 _768\"/>telsernas genomsnittliga l\u00f6p<span class=\"__12 _768\"/>tid \u00e4r 15 (18) \u00e5r i Sverige, </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:381.68536px;\">13 (14) \u00e5r i Norge, 11 (13) \u00e5r i Finland, 9 (11) \u00e5r i Danmark och </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:368.16016px;\">15 (20) \u00e5r i Storbritannien, basera<span class=\"__12 _768\"/>t p\u00e5 diskon<span class=\"__12 _768\"/>terade kassa<span class=\"__12 _768\"/>fl\u00f6-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:395.22162px;\">den. Det fak<span class=\"__12 _768\"/>tum att alla f<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbest<span class=\"__12 _768\"/>\u00e4mda pensionsplaner \u00e4r </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:381.6964px;\">st\u00e4ngda f<span class=\"__12 _768\"/>\u00f6r nya del<span class=\"__12 _768\"/>tagare ger en l\u00e4gre dur<span class=\"__12 _768\"/>ation. F<span class=\"__12 _768\"/>\u00f6r 2022 har </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:368.1712px;\">\u00e4v<span class=\"__12 _768\"/>en det h\u00f6gre r\u00e4n<span class=\"__12 _768\"/>tel\u00e4get re<span class=\"__12 _768\"/>sultera<span class=\"__12 _768\"/>t i en l\u00e4gre dur<span class=\"__12 _768\"/>ation<span class=\"__12 _777\"> </span>.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h1_12 ff1_12 fs0_12 fc0_12 sc0_12 ls0_12 ws0_12\" style=\"left:656.0268px; bottom:2.1012287px;\">169<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h2_12 ff2_12 fs1_11 fc0_12 sc0_12 ls0_12 ws1_12\" style=\"left:497.5244px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h3_11 ff2_12 fs1_11 fc0_12 sc0_12 ls1_12 ws2_11\" style=\"left:4.2144775px; bottom:1029.1447px;\">Inledning<span class=\"__12 _767\"> </span><span class=\"__12 _777\">Aff</span><span class=\"__12 _768\"/>\u00e4rsomr\u00e5den<span class=\"__12 _769\"/><span class=\"ws0_12\">V<span class=\"__12 _768\"/>\u00e5ra in<span class=\"__12 _768\"/>tressent<span class=\"__12 _768\"/>er<span class=\"__12 _770\"> </span><span class=\"ff1_12\">Finansiella rapporter<span class=\"__12 _771\"/><span class=\"ff2_12 ws2_11\">F\u00f6rvaltningsber<span class=\"__12 _768\"/>\u00e4ttelse<span class=\"__12 _772\"> </span>H\u00e5llbarhetsnoter<span class=\"__12 _773\"> </span>\u00d6vrigt<span class=\"__12 _774\"/><span class=\"ws0_12\">Strategisk r<span class=\"__12 _768\"/>apport<span class=\"__12 _777\"> </span></span></span></span></span></div><div class=\"t_12 m0_12 hd_11 ff4_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:986.27924px;\">K8.2 <span class=\"__12 _1a_8\"> </span>Pensioner<span class=\"__12 _768\"/>, forts.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h7_11 ff1_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:951.6515px;\">F\u00f6r<span class=\"__12 _768\"/>\u00e4ndringar i f<span class=\"__12 _768\"/>\u00f6rvaltningstillg\u00e5ngarnas v<span class=\"__12 _768\"/>erkliga v\u00e4rde </div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:935.1175px;\">2022, mn euro<span class=\"__12 _856\"> </span>SE<span class=\"__12 _829\"> </span>NO<span class=\"__12 _819\"> </span>FI<span class=\"__12 _831\"> </span>DK<span class=\"__12 _2a_6\"> </span>GB<span class=\"__12 _802\"> </span>Summa<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:917.97424px;\">Ing\u00e5ende balans<span class=\"__12 _857\"> </span>1 858<span class=\"__12 _6d_4\"> </span><span class=\"ls8_11 wsc_11\">723<span class=\"__12 _6d_4\"> </span></span>823<span class=\"__12 _829\"> </span>112<span class=\"__12 _796\"> </span>137<span class=\"__12 _d_11\"> </span>3 653<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:900.82983px;\">R\u00e4ntein<span class=\"__12 _768\"/>t\u00e4kt<span class=\"__12 _768\"/>er (ber\u00e4knade med diskon<span class=\"__12 _768\"/>teringsr\u00e4n<span class=\"__12 _768\"/>tan)<span class=\"__12 _8a_4\"> </span>26<span class=\"__12 _849\"> </span><span class=\"ls4_11 ws8_11\">14<span class=\"__12 _5f_4\"> </span></span>5<span class=\"__12 _854\"> </span>1<span class=\"__12 _819\"> </span>2<span class=\"__12 _4b_4\"> </span><span class=\"ls8_11 wsc_11\">48<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:883.6854px;\">Utbetalda pensioner<span class=\"__12 _8b_4\"> </span>\u2013<span class=\"__12 _2a_6\"> </span><span class=\"ls3_11 ws3_11\">-24<span class=\"__12 _2a_6\"> </span></span>-39<span class=\"__12 _7f_5\"> </span>-5<span class=\"__12 _4f_4\"> </span>-5<span class=\"__12 _796\"> </span><span class=\"lsb_11 wsf_11\">-73<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:866.541px;\">Tillskott/<span class=\"__12 _768\"/>gottg\u00f6relse a<span class=\"__12 _768\"/>v<span class=\"__12 _a_11\"/>/till arbetsgivare<span class=\"__12 _8c_4\"> </span>1<span class=\"__12 _7b_4\"> </span>2<span class=\"__12 _7f_5\"> </span>-6<span class=\"__12 _5a_4\"> </span>1<span class=\"__12 _800\"> </span>\u2013<span class=\"__12 _3a_7\"> </span><span class=\"ls3_11 ws3_11\">-2<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:849.39667px;\">Omv\u00e4rdering (f<span class=\"__12 _768\"/>aktisk a<span class=\"__12 _768\"/>vkas<span class=\"__12 _768\"/>tning minus r\u00e4ntein<span class=\"__12 _768\"/>t\u00e4k<span class=\"__12 _768\"/>ter)<span class=\"__12 _8d_4\"> </span>-429<span class=\"__12 _2a_6\"> </span><span class=\"ls4_11 ws8_11\">-57<span class=\"__12 _846\"> </span></span>-133<span class=\"__12 _829\"> </span><span class=\"ls4_11 ws8_11\">-19<span class=\"__12 _8e_4\"> </span>-51<span class=\"__12 _791\"> </span></span>-689<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:832.25226px;\"><span class=\"__12 _777\">Omr\u00e4kningsdiff</span><span class=\"__12 _768\"/>erenser<span class=\"__12 _8f_4\"> </span>-121<span class=\"__12 _4b_4\"> </span>-33<span class=\"__12 _7b_4\"> </span>\u2013<span class=\"__12 _7d_5\"> </span>0<span class=\"__12 _3a_7\"> </span>-6<span class=\"__12 _795\"> </span>-<span class=\"__12 _768\"/>160<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:815.10785px;\">Utg\u00e5ende balans<span class=\"__12 _858\"> </span>1 335<span class=\"__12 _796\"> </span>625<span class=\"__12 _796\"> </span>650<span class=\"__12 _4f_4\"> </span>90<span class=\"__12 _2b_6\"> </span><span class=\"ls8_11 wsc_11\">77<span class=\"__12 _813\"> </span>2 777<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:789.57416px;\">2021, mn euro<span class=\"__12 _859\"> </span>SE<span class=\"__12 _829\"> </span>NO<span class=\"__12 _819\"> </span>FI<span class=\"__12 _831\"> </span>DK<span class=\"__12 _2a_6\"> </span>GB<span class=\"__12 _802\"> </span>Summa<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:772.431px;\">Ing\u00e5ende balans<span class=\"__12 _8b_4\"> </span>1 867<span class=\"__12 _796\"> </span>679<span class=\"__12 _6d_4\"> </span>847<span class=\"__12 _2a_6\"> </span>127<span class=\"__12 _846\"> </span>130<span class=\"__12 _d_11\"> </span>3 650<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:755.2866px;\">R\u00e4ntein<span class=\"__12 _768\"/>t\u00e4kt<span class=\"__12 _768\"/>er (ber\u00e4knade med diskon<span class=\"__12 _768\"/>teringsr\u00e4n<span class=\"__12 _768\"/>tan)<span class=\"__12 _860\"> </span>19<span class=\"__12 _5c_4\"> </span>12<span class=\"__12 _854\"> </span>1<span class=\"__12 _7d_5\"> </span>0<span class=\"__12 _819\"> </span>2<span class=\"__12 _2a_6\"> </span>34<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:738.1423px;\">Utbetalda pensioner<span class=\"__12 _8b_4\"> </span>\u2013<span class=\"__12 _2a_6\"> </span><span class=\"ls3_11 ws3_11\">-23<span class=\"__12 _829\"> </span></span>-41<span class=\"__12 _800\"> </span>-5<span class=\"__12 _837\"> </span><span class=\"lsb_11 wsf_11\">-7<span class=\"__12 _796\"> </span>-76<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:720.99786px;\">Tillskott/<span class=\"__12 _768\"/>gottg\u00f6relse a<span class=\"__12 _768\"/>v<span class=\"__12 _a_11\"/>/till arbetsgivare<span class=\"__12 _8c_4\"> </span>1<span class=\"__12 _7b_4\"> </span>3<span class=\"__12 _2b_6\"> </span><span class=\"ls3_11 ws3_11\">-2<span class=\"__12 _b_11\"/>1<span class=\"__12 _7d_5\"> </span></span>0<span class=\"__12 _800\"> </span>\u2013<span class=\"__12 _6d_4\"> </span><span class=\"ls4_11 ws8_11\">-17<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:703.85345px;\">Omv\u00e4rdering (f<span class=\"__12 _768\"/>aktisk a<span class=\"__12 _768\"/>vkas<span class=\"__12 _768\"/>tning minus r\u00e4ntein<span class=\"__12 _768\"/>t\u00e4k<span class=\"__12 _768\"/>ter)<span class=\"__12 _861\"> </span>21<span class=\"__12 _831\"> </span>20<span class=\"__12 _5c_4\"> </span>37<span class=\"__12 _829\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _b_11\"/>0<span class=\"__12 _835\"> </span></span>2<span class=\"__12 _821\"> </span>70<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:686.70905px;\"><span class=\"__12 _777\">Omr\u00e4kningsdiff</span><span class=\"__12 _768\"/>erenser<span class=\"__12 _6a_4\"> </span>-50<span class=\"__12 _4f_4\"> </span>32<span class=\"__12 _7b_4\"> </span>\u2013<span class=\"__12 _7d_5\"> </span>0<span class=\"__12 _3a_7\"> </span>10<span class=\"__12 _829\"> </span>-8<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:669.56464px;\">Utg\u00e5ende balans<span class=\"__12 _862\"> </span>1 858<span class=\"__12 _796\"> </span><span class=\"ls8_11 wsc_11\">7<span class=\"__12 _b_11\"/>23<span class=\"__12 _6d_4\"> </span></span>823<span class=\"__12 _2a_6\"> </span>112<span class=\"__12 _832\"> </span>137<span class=\"__12 _d_11\"> </span>3 653<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 he_11 ff2_12 fs4_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:630.56555px;\">Tillg\u00e5ngsf\u00f6r<span class=\"__12 _768\"/>delning<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:617.0363px;\">Tillg\u00e5ngarna inves<span class=\"__12 _768\"/>teras i div<span class=\"__12 _768\"/>ersi\ufb01erade portf\u00f6ljer enligt </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:603.5111px;\">nedan, med innehav i obliga<span class=\"__12 _768\"/>tioner som begr\u00e4nsar r<span class=\"__12 _768\"/>\u00e4nterisk<span class=\"__12 _768\"/>en </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:589.9859px;\">i f\u00f6rplik<span class=\"__12 _768\"/>telserna och en rimlig andel r<span class=\"__12 _768\"/>ealtillg\u00e5ngar (infla<span class=\"__12 _768\"/>tions-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:576.46075px;\">skyddade) f<span class=\"__12 _768\"/>\u00f6r att minska den l\u00e5ngsik<span class=\"__12 _768\"/>tiga in<span class=\"__12 _768\"/>flationsrisken i </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:562.93555px;\">skulderna.</div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:12.908623px; bottom:549.41034px;\">   Under 2022 var den sammanlagda a<span class=\"__12 _768\"/>vkastningen p\u00e5 till<span class=\"__12 _768\"/>-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:535.88513px;\">g\u00e5ngarna -17<span class=\"__12 _a_11\"/>,5 procen<span class=\"__12 _768\"/>t (2,9 procen<span class=\"__12 _768\"/>t). Den negativ<span class=\"__12 _768\"/>a a<span class=\"__12 _768\"/>vkast-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:631.0809px;\">ningen h\u00e4rr\u00f6rde fr<span class=\"__12 _768\"/>\u00e4mst f<span class=\"__12 _768\"/>r\u00e5n betydande k<span class=\"__12 _768\"/>ursnedg\u00e5ngar f\u00f6r </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:617.55566px;\">aktier och en sam<span class=\"__12 _768\"/>tidig kursnedg\u00e5ng f<span class=\"__12 _768\"/>\u00f6r nominella r\u00e4n<span class=\"__12 _768\"/>tepap-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:604.03046px;\">per och r\u00e4n<span class=\"__12 _768\"/>tes\u00e4kringsinstrumen<span class=\"__12 _768\"/>t.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:333.50226px; bottom:590.50525px;\">Vid \u00e5rets slut utgjor<span class=\"__12 _768\"/>de aktieinneha<span class=\"__12 _768\"/>ven 21 pr<span class=\"__12 _768\"/>ocent (19 pr<span class=\"__12 _768\"/>o-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:576.9801px;\">cent) a<span class=\"__12 _768\"/>v tillg\u00e5ngarna i Nor<span class=\"__12 _768\"/>deas pensionskassor<span class=\"__12 _768\"/>/-stiftelser<span class=\"__12 _a_11\"/>. </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:563.4549px;\">Koncernen r<span class=\"__12 _768\"/>\u00e4knar med att betala 2 mn euro till sina f<span class=\"__12 _a_11\"/>\u00f6rm\u00e5ns-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:549.9297px;\">best\u00e4mda pensionsplaner under 2023.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h7_11 ff1_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:477.2538px;\">Tillg\u00e5ngsf\u00f6r<span class=\"__12 _768\"/>delning i fonder<span class=\"__12 _768\"/>ade planer<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:460.66855px;\">%<span class=\"__12 _863\"> </span>SE 2022<span class=\"__12 _803\"> </span>NO 2022<span class=\"__12 _864\"> </span>FI 2022<span class=\"__12 _797\"> </span>DK 2022<span class=\"__12 _2f_6\"> </span>GB 2022<span class=\"__12 _807\"> </span>Summa 2022 <span class=\"__12 _865\"> </span>Summa 2021 </div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:443.52545px;\">Obligationer <span class=\"__12 _866\"> </span><span class=\"ff2_12\">87 %<span class=\"__12 _867\"> </span>68 %<span class=\"__12 _3f_6\"> </span>59 %<span class=\"__12 _3f_6\"> </span>67 %<span class=\"__12 _6e_4\"> </span>87 %<span class=\"__12 _867\"> </span>75 %<span class=\"__12 _783\"> </span>70 %<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:426.38107px;\">- statsobliga<span class=\"__12 _768\"/>tioner<span class=\"__12 _9a_4\"> </span>36 %<span class=\"__12 _783\"> </span>39 %<span class=\"__12 _3f_6\"> </span>29 %<span class=\"__12 _9b_4\"> </span>30 %<span class=\"__12 _6e_4\"> </span>87 %<span class=\"__12 _6e_4\"> </span>36 %<span class=\"__12 _839\"> </span>37 %<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:409.23666px;\">- s\u00e4kerst\u00e4llda obligationer<span class=\"__12 _9c_5\"> </span>34 %<span class=\"__12 _839\"> </span>23 %<span class=\"__12 _783\"> </span>9 %<span class=\"__12 _3f_6\"> </span>37 %<span class=\"__12 _7b_4\"> </span>\u2013<span class=\"__12 _867\"> </span>25 %<span class=\"__12 _839\"> </span>19 %<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:392.09225px;\">- f\u00f6retags<span class=\"__12 _768\"/>obligationer<span class=\"__12 _9d_4\"> </span><span class=\"ls4_11 ws8_11\">17 %<span class=\"__12 _2a_6\"> </span></span>6 %<span class=\"__12 _791\"> </span>21 %<span class=\"__12 _5c_4\"> </span>\u2013<span class=\"__12 _7b_4\"> </span>\u2013<span class=\"__12 _867\"> </span><span class=\"ls4_11 ws8_11\">14 %<span class=\"__12 _843\"> </span>14 %<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 h9_11 ff4_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:374.94785px;\">- utgivna av Nordeabolag<span class=\"__12 _9e_4\"> </span>3 %<span class=\"__12 _2a_6\"> </span>3 %<span class=\"__12 _7f_5\"> </span><span class=\"ff2_12\">\u2013<span class=\"__12 _5c_4\"> </span>\u2013<span class=\"__12 _7b_4\"> </span>\u2013<span class=\"__12 _8e_4\"> </span></span>2 %<span class=\"__12 _821\"> </span>2 %<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hd_11 ff4_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:357.80347px;\">-  <span class=\"__12 _786\"/>med publicerade prisno<span class=\"__12 _768\"/>teringar p\u00e5 en ak<span class=\"__12 _768\"/>tiv </div><div class=\"t_12 m0_12 hd_11 ff4_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:10.623222px; bottom:346.75607px;\">marknad<span class=\"__12 _9f_4\"> </span><span class=\"lsd_10 ws11_11\">87 %<span class=\"__12 _783\"> </span></span>68 %<span class=\"__12 _1d_8\"> </span>59 %<span class=\"__12 _1d_8\"> </span>67 %<span class=\"__12 _867\"> </span><span class=\"lsd_10 ws11_11\">87 %<span class=\"__12 _867\"> </span></span>75 %<span class=\"__12 _839\"> </span>70 %<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:329.61166px;\">Aktier<span class=\"__12 _6a_4\"> </span><span class=\"ff2_12\">25 %<span class=\"__12 _843\"> </span>16 %<span class=\"__12 _a0_4\"> </span><span class=\"ls4_11 ws8_11\">17 %<span class=\"__12 _1d_8\"> </span></span>10 %<span class=\"__12 _867\"> </span>13 %<span class=\"__12 _783\"> </span>21 %<span class=\"__12 _839\"> </span>19 %<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:312.46725px;\">- inhemska<span class=\"__12 _840\"> </span>5 %<span class=\"__12 _4b_4\"> </span>5 %<span class=\"__12 _839\"> </span>4 %<span class=\"__12 _3f_6\"> </span>10 %<span class=\"__12 _6d_4\"> </span>4 %<span class=\"__12 _6d_4\"> </span>5 %<span class=\"__12 _2a_6\"> </span>5 %<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:295.32285px;\">- europeiska<span class=\"__12 _a1_4\"> </span>3 %<span class=\"__12 _2a_6\"> </span>5 %<span class=\"__12 _839\"> </span>5 %<span class=\"__12 _849\"> </span>\u2013<span class=\"__12 _4b_4\"> </span>1 %<span class=\"__12 _6d_4\"> </span>4 %<span class=\"__12 _4b_4\"> </span>4 %<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:278.17847px;\">- amerikanska<span class=\"__12 _a2_4\"> </span>5 %<span class=\"__12 _4b_4\"> </span>6 %<span class=\"__12 _839\"> </span>4 %<span class=\"__12 _849\"> </span>\u2013<span class=\"__12 _6d_4\"> </span>6 %<span class=\"__12 _6d_4\"> </span>5 %<span class=\"__12 _2a_6\"> </span>5 %<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:261.03406px;\">- tillv\u00e4xtmarknader<span class=\"__12 _a3_4\"> </span>5 %<span class=\"__12 _854\"> </span>\u2013<span class=\"__12 _783\"> </span>4 %<span class=\"__12 _5c_4\"> </span>\u2013<span class=\"__12 _8e_4\"> </span>2 %<span class=\"__12 _6d_4\"> </span>3 %<span class=\"__12 _2a_6\"> </span>3 %<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:243.88965px;\">- riskkapital<span class=\"__12 _c_11\"> </span>7 %<span class=\"__12 _854\"> </span>\u2013<span class=\"__12 _7f_5\"> </span>\u2013<span class=\"__12 _849\"> </span>\u2013<span class=\"__12 _7b_4\"> </span>\u2013<span class=\"__12 _6d_4\"> </span>4 %<span class=\"__12 _2a_6\"> </span>2 %<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff4_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:226.74525px;\">- Nordeaaktier<span class=\"__12 _a4_4\"> </span><span class=\"ff2_12\">\u2013<span class=\"__12 _854\"> </span>\u2013<span class=\"__12 _7f_5\"> </span>\u2013<span class=\"__12 _849\"> </span>\u2013<span class=\"__12 _7b_4\"> </span>\u2013<span class=\"__12 _6d_4\"> </span></span>0 %<span class=\"__12 _2a_6\"> </span>0 %<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hd_11 ff4_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:209.60086px;\">-  <span class=\"__12 _786\"/>med publicerade prisno<span class=\"__12 _768\"/>teringar p\u00e5 en ak<span class=\"__12 _768\"/>tiv </div><div class=\"t_12 m0_12 hd_11 ff4_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:10.623222px; bottom:198.55345px;\">marknad<span class=\"__12 _a5_5\"> </span>18 %<span class=\"__12 _843\"> </span>16 %<span class=\"__12 _a6_5\"> </span><span class=\"ls4_11 ws8_11\">17 %<span class=\"__12 _1d_8\"> </span></span>10 %<span class=\"__12 _a7_5\"> </span>13 %<span class=\"__12 _a7_5\"> </span><span class=\"ls4_11 ws8_11\">17 %<span class=\"__12 _832\"> </span>17 %<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:181.40906px;\">F<span class=\"__12 _768\"/><span class=\"__12 _777\">astigheter1</span><span class=\"__12 _a8_5\"> </span><span class=\"ff2_12\">\u2013<span class=\"__12 _839\"> </span>16 %<span class=\"__12 _a0_4\"> </span>21 %<span class=\"__12 _5c_4\"> </span>\u2013<span class=\"__12 _7b_4\"> </span>\u2013<span class=\"__12 _6d_4\"> </span>8 %<span class=\"__12 _2a_6\"> </span>7 %<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 h9_11 ff4_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:164.26466px;\">- nyttjade av Nordea<span class=\"__12 _a9_5\"> </span><span class=\"ff2_12\">\u2013<span class=\"__12 _854\"> </span>\u2013<span class=\"__12 _a7_5\"> </span></span>6 %<span class=\"__12 _5c_4\"> </span><span class=\"ff2_12\">\u2013<span class=\"__12 _7b_4\"> </span>\u2013<span class=\"__12 _2a_6\"> </span></span>1 %<span class=\"__12 _829\"> </span>1 %<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:147.12025px;\">R\u00e4ntesw<span class=\"__12 _768\"/>appar<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:241.47202px; bottom:145.64606px;\">-13 %<span class=\"__12 _832\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _b_11\"/> %<span class=\"__12 _7f_5\"> </span></span>\u2013<span class=\"__12 _5c_4\"> </span>\u2013<span class=\"__12 _7b_4\"> </span>\u2013<span class=\"__12 _783\"> </span>-6 %<span class=\"__12 _4b_4\"> </span>0 %<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:128.50166px;\">F\u00f6rs\u00e4kringskon<span class=\"__12 _768\"/>trak<span class=\"__12 _768\"/>t<span class=\"__12 _aa_4\"> </span><span class=\"ff2_12\">\u2013<span class=\"__12 _854\"> </span>\u2013<span class=\"__12 _843\"> </span>1 %<span class=\"__12 _867\"> </span>6 %<span class=\"__12 _7b_4\"> </span>\u2013<span class=\"__12 _4b_4\"> </span>1 %<span class=\"__12 _829\"> </span>1 %<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:111.357254px;\">Likvida medel<span class=\"__12 _a2_4\"> </span><span class=\"ff2_12\">1 %<span class=\"__12 _821\"> </span>1 %<span class=\"__12 _843\"> </span>2 %<span class=\"__12 _1d_8\"> </span><span class=\"ls4_11 ws8_11\">17<span class=\"__12 _b_11\"/> %<span class=\"__12 _796\"> </span></span>0 %<span class=\"__12 _4b_4\"> </span>1 %<span class=\"__12 _2a_6\"> </span>3 %<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 hb_11 ff2_12 fs6_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:90.24331px;\">1)  Fastighet<span class=\"__12 _768\"/>ernas geogra\ufb01ska l\u00e4ge \u00e4r koppla<span class=\"__12 _768\"/>t till pensionsplanerna i respektiv<span class=\"__12 _768\"/>e land<span class=\"__12 _777\"> </span>.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h1_12 ff1_12 fs0_12 fc0_12 sc0_12 ls4_11 ws8_11\" style=\"left:0.002374649px; bottom:2.1012287px;\">170<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h2_12 ff2_12 fs1_11 fc0_12 sc0_12 ls0_12 ws1_12\" style=\"left:44.310143px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h3_11 ff2_12 fs1_11 fc0_12 sc0_12 ls1_12 ws2_11\" style=\"left:48.511353px; bottom:1029.1447px;\">Inledning<span class=\"__12 _767\"> </span><span class=\"__12 _777\">Aff</span><span class=\"__12 _768\"/>\u00e4rsomr\u00e5den<span class=\"__12 _769\"/><span class=\"ws0_12\">V<span class=\"__12 _768\"/>\u00e5ra in<span class=\"__12 _768\"/>tressent<span class=\"__12 _768\"/>er<span class=\"__12 _770\"> </span><span class=\"ff1_12\">Finansiella rapporter<span class=\"__12 _771\"/><span class=\"ff2_12 ws2_11\">F\u00f6rvaltningsber<span class=\"__12 _768\"/>\u00e4ttelse<span class=\"__12 _772\"> </span>H\u00e5llbarhetsnoter<span class=\"__12 _773\"> </span>\u00d6vrigt<span class=\"__12 _774\"/><span class=\"ws0_12\">Strategisk r<span class=\"__12 _768\"/>apport<span class=\"__12 _777\"> </span></span></span></span></span></div><div class=\"t_12 m0_12 hd_11 ff4_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:986.27924px;\">K8.2 <span class=\"__12 _1a_8\"> </span>Pensioner<span class=\"__12 _768\"/>, forts.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h7_11 ff1_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:874.2656px;\">Redovisa<span class=\"__12 _768\"/>t i resul<span class=\"__12 _768\"/>tatr<span class=\"__12 _768\"/>\u00e4kningen<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:857.73157px;\">2022, mn euro<span class=\"__12 _ab_4\"> </span>SE<span class=\"__12 _843\"> </span>NO<span class=\"__12 _2b_6\"> </span>FI<span class=\"__12 _846\"> </span>DK<span class=\"__12 _796\"> </span>GB<span class=\"__12 _f_11\"> </span>Summa<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:840.5885px;\">Kostnader a<span class=\"__12 _768\"/>vseende tj\u00e4nst<span class=\"__12 _768\"/><span class=\"__12 _777\">g\u00f6ring under innevarande \u00e5r1</span><span class=\"__12 _ac_4\"> </span>29<span class=\"__12 _4f_4\"> </span>6<span class=\"__12 _849\"> </span>2<span class=\"__12 _4f_4\"> </span>\u2013<span class=\"__12 _831\"> </span>\u2013<span class=\"__12 _8e_4\"> </span>37<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:823.4441px;\">R\u00e4ntenetto<span class=\"__12 _ad_4\"> </span>2<span class=\"__12 _5c_4\"> </span>1<span class=\"__12 _837\"> </span>0<span class=\"__12 _4f_4\"> </span>0<span class=\"__12 _4f_4\"> </span>0<span class=\"__12 _849\"> </span>3<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:806.2997px;\">Kostnader a<span class=\"__12 _768\"/>vseende tj\u00e4nst<span class=\"__12 _768\"/>g\u00f6ring tidigare \u00e5r samt r<span class=\"__12 _768\"/>egleringar<span class=\"__12 _1c_8\"> </span>1<span class=\"__12 _3a_7\"> </span>\u2013<span class=\"__12 _837\"> </span>0<span class=\"__12 _831\"> </span>\u2013<span class=\"__12 _4f_4\"> </span>\u2013<span class=\"__12 _5c_4\"> </span>1<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:789.1553px;\">S\u00e4rskild l\u00f6neskatt och socialf<span class=\"__12 _768\"/><span class=\"__12 _777\">\u00f6rs\u00e4kringsavgifter2</span><span class=\"__12 _ae_5\"> </span>9<span class=\"__12 _5c_4\"> </span>1<span class=\"__12 _4f_4\"> </span>\u2013<span class=\"__12 _831\"> </span>\u2013<span class=\"__12 _4f_4\"> </span>\u2013<span class=\"__12 _8e_4\"> </span>10<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:772.01086px;\">Kostnader f<span class=\"__12 _768\"/>\u00f6r f\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4mda pensionsplaner  </div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:760.9635px;\">(kostnader+, int<span class=\"__12 _768\"/>\u00e4kter-)<span class=\"__12 _af_5\"> </span>41<span class=\"__12 _4f_4\"> </span>8<span class=\"__12 _849\"> </span>2<span class=\"__12 _4f_4\"> </span>0<span class=\"__12 _4f_4\"> </span>0<span class=\"__12 _4b_4\"> </span><span class=\"ls4_11 ws8_11\">51<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:734.7745px;\">2021, mn euro<span class=\"__12 _b0_4\"> </span>SE<span class=\"__12 _843\"> </span>NO<span class=\"__12 _2b_6\"> </span>FI<span class=\"__12 _846\"> </span>DK<span class=\"__12 _796\"> </span>GB<span class=\"__12 _f_11\"> </span>Summa<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:717.6315px;\">Kostnader a<span class=\"__12 _768\"/>vseende tj\u00e4nst<span class=\"__12 _768\"/><span class=\"__12 _777\">g\u00f6ring under innevarande \u00e5r1</span><span class=\"__12 _b1_4\"> </span>32<span class=\"__12 _4f_4\"> </span>4<span class=\"__12 _849\"> </span>3<span class=\"__12 _831\"> </span>\u2013<span class=\"__12 _4f_4\"> </span>\u2013<span class=\"__12 _6d_4\"> </span>39<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:700.4871px;\">R\u00e4ntenetto<span class=\"__12 _ad_4\"> </span>3<span class=\"__12 _837\"> </span>2<span class=\"__12 _837\"> </span>0<span class=\"__12 _4f_4\"> </span>0<span class=\"__12 _829\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _837\"> </span></span>4<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:683.3427px;\">Kostnader a<span class=\"__12 _768\"/>vseende tj\u00e4nst<span class=\"__12 _768\"/>g\u00f6ring tidigare \u00e5r samt r<span class=\"__12 _768\"/>egleringar<span class=\"__12 _1c_8\"> </span>1<span class=\"__12 _3a_7\"> </span>\u2013<span class=\"__12 _837\"> </span>0<span class=\"__12 _831\"> </span>\u2013<span class=\"__12 _4f_4\"> </span>\u2013<span class=\"__12 _5c_4\"> </span>1<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:666.1983px;\">S\u00e4rskild l\u00f6neskatt och socialf<span class=\"__12 _768\"/><span class=\"__12 _777\">\u00f6rs\u00e4kringsavgifter2</span><span class=\"__12 _b2_5\"> </span>10<span class=\"__12 _5c_4\"> </span>1<span class=\"__12 _4f_4\"> </span>\u2013<span class=\"__12 _831\"> </span>\u2013<span class=\"__12 _4f_4\"> </span>\u2013<span class=\"__12 _821\"> </span>11<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:649.0539px;\">Kostnader f<span class=\"__12 _768\"/>\u00f6r f\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4mda pensionsplaner  </div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:638.0065px;\">(kostnader+, int<span class=\"__12 _768\"/>\u00e4kter-)<span class=\"__12 _b3_4\"> </span>46<span class=\"__12 _849\"> </span>7<span class=\"__12 _837\"> </span>3<span class=\"__12 _4f_4\"> </span>0<span class=\"__12 _829\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _6d_4\"> </span></span>55<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hb_11 ff2_12 fs6_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:618.3509px;\">1) Kostnader a<span class=\"__12 _768\"/>vseende tj\u00e4nstg\u00f6ring under innev<span class=\"__12 _768\"/>arande \u00e5r inkluderar 4 mn euro (2 mn eur<span class=\"__12 _768\"/>o) f\u00f6r f<span class=\"__12 _768\"/>\u00f6r ytterligare pensionsplaner i Norge.<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 hb_11 ff2_12 fs6_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:606.7468px;\">2) Kostnader h\u00e4nf<span class=\"__12 _768\"/>\u00f6rliga till s\u00e4rskild l\u00f6neskatt i Sv<span class=\"__12 _768\"/>erige och socialf\u00f6rs\u00e4kringsa<span class=\"__12 _768\"/>vgifter i Norge.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h7_11 ff1_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:524.1868px;\">Redovisa<span class=\"__12 _768\"/>t i \u00f6vrigt to<span class=\"__12 _768\"/>talresul<span class=\"__12 _768\"/>tat<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:507.65277px;\">2022, mn euro<span class=\"__12 _ab_4\"> </span>SE<span class=\"__12 _843\"> </span>NO<span class=\"__12 _2b_6\"> </span>FI<span class=\"__12 _846\"> </span>DK<span class=\"__12 _796\"> </span>GB<span class=\"__12 _f_11\"> </span>Summa<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:490.50964px;\">Omv\u00e4rdering f<span class=\"__12 _768\"/>r\u00e5n f<span class=\"__12 _768\"/>\u00f6r\u00e4ndringar i demogra\ufb01sk<span class=\"__12 _768\"/>a antaganden<span class=\"__12 _b4_4\"> </span>8<span class=\"__12 _831\"> </span>\u2013<span class=\"__12 _4f_4\"> </span>\u2013<span class=\"__12 _829\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _837\"> </span></span>0<span class=\"__12 _849\"> </span>7<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:473.36526px;\">Omv\u00e4rdering f<span class=\"__12 _768\"/>r\u00e5n f<span class=\"__12 _768\"/>\u00f6r\u00e4ndringar i \ufb01nansiella antaganden<span class=\"__12 _b5_5\"> </span>-558<span class=\"__12 _839\"> </span>-81<span class=\"__12 _791\"> </span>-129<span class=\"__12 _843\"> </span><span class=\"ls4_11 ws8_11\">-15<span class=\"__12 _839\"> </span></span>-41<span class=\"__12 _9b_4\"> </span>-824<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:456.22086px;\">Omv\u00e4rdering f<span class=\"__12 _768\"/>r\u00e5n erfarenhetsbas<span class=\"__12 _768\"/>erade justeringar<span class=\"__12 _b6_5\"> </span>123<span class=\"__12 _8e_4\"> </span>19<span class=\"__12 _8e_4\"> </span><span class=\"lsa_11 wse_11\">25<span class=\"__12 _849\"> </span></span>1<span class=\"__12 _7f_5\"> </span>1<span class=\"__12 _6e_4\"> </span>169<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:439.07648px;\">Omv\u00e4rdering a<span class=\"__12 _768\"/>v f<span class=\"__12 _768\"/>\u00f6rvaltningstillg\u00e5ngar (f<span class=\"__12 _768\"/>aktisk a<span class=\"__12 _768\"/>vkastning minus<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:428.02908px;\">r\u00e4nt<span class=\"__12 _768\"/>eint\u00e4k<span class=\"__12 _768\"/>ter)<span class=\"__12 _b7_5\"> </span>429<span class=\"__12 _8e_4\"> </span><span class=\"ls4_11 ws8_11\">57<span class=\"__12 _783\"> </span></span>133<span class=\"__12 _8e_4\"> </span>19<span class=\"__12 _4b_4\"> </span><span class=\"ls4_11 ws8_11\">51<span class=\"__12 _795\"> </span></span>689<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:410.88467px;\">S\u00e4rskild l\u00f6neskatt/socialf<span class=\"__12 _768\"/>\u00f6rs\u00e4kringsav<span class=\"__12 _768\"/><span class=\"__12 _777\">gifter1</span><span class=\"__12 _b8_4\"> </span>0<span class=\"__12 _829\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _4f_4\"> </span></span>\u2013<span class=\"__12 _831\"> </span>\u2013<span class=\"__12 _4f_4\"> </span>\u2013<span class=\"__12 _829\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:393.74026px;\">Kostnader f<span class=\"__12 _768\"/>\u00f6r f\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4mda pensionsplaner  </div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:382.69287px;\">(kostnader+, int<span class=\"__12 _768\"/>\u00e4kter-)<span class=\"__12 _b9_5\"> </span>2<span class=\"__12 _4b_4\"> </span>-6<span class=\"__12 _6d_4\"> </span>29<span class=\"__12 _4f_4\"> </span>4<span class=\"__12 _2a_6\"> </span>11<span class=\"__12 _832\"> </span>40<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:355.52847px;\">2021, mn euro<span class=\"__12 _b0_4\"> </span>SE<span class=\"__12 _843\"> </span>NO<span class=\"__12 _2b_6\"> </span>FI<span class=\"__12 _846\"> </span>DK<span class=\"__12 _796\"> </span>GB<span class=\"__12 _f_11\"> </span>Summa<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:338.3855px;\">Omv\u00e4rdering f<span class=\"__12 _768\"/>r\u00e5n f<span class=\"__12 _768\"/>\u00f6r\u00e4ndringar i demogra\ufb01sk<span class=\"__12 _768\"/>a antaganden<span class=\"__12 _ba_5\"> </span>\u2013<span class=\"__12 _831\"> </span>\u2013<span class=\"__12 _837\"> </span>0<span class=\"__12 _4f_4\"> </span>0<span class=\"__12 _829\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _2b_6\"> </span>-1<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:321.2411px;\">Omv\u00e4rdering f<span class=\"__12 _768\"/>r\u00e5n f<span class=\"__12 _768\"/>\u00f6r\u00e4ndringar i \ufb01nansiella antaganden<span class=\"__12 _bb_5\"> </span><span class=\"lsc_11 ws10_11\">52<span class=\"__12 _839\"> </span><span class=\"ls4_11 ws8_11\">-14<span class=\"__12 _846\"> </span>-13<span class=\"__12 _821\"> </span><span class=\"lsb_11 wsf_11\">-7<span class=\"__12 _2a_6\"> </span><span class=\"ls8_11 wsc_11\">-4<span class=\"__12 _8e_4\"> </span></span></span>14<span class=\"__12 _777\"> </span></span></span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:304.09668px;\">Omv\u00e4rdering f<span class=\"__12 _768\"/>r\u00e5n erfarenhetsbas<span class=\"__12 _768\"/>erade justeringar<span class=\"__12 _bc_4\"> </span>-5<span class=\"__12 _6d_4\"> </span><span class=\"ls8_11 wsc_11\">23<span class=\"__12 _843\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _b_11\"/>2<span class=\"__12 _2a_6\"> </span></span></span>-3<span class=\"__12 _5c_4\"> </span>1<span class=\"__12 _837\"> </span>4<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:286.9523px;\">Omv\u00e4rdering a<span class=\"__12 _768\"/>v f<span class=\"__12 _768\"/>\u00f6rvaltningstillg\u00e5ngar (f<span class=\"__12 _768\"/>aktisk a<span class=\"__12 _768\"/>vkastning minus<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:275.90488px;\">r\u00e4nt<span class=\"__12 _768\"/>eint\u00e4k<span class=\"__12 _768\"/>ter)<span class=\"__12 _bd_5\"> </span><span class=\"ls3_11 ws3_11\">-21<span class=\"__12 _a7_5\"> </span>-2<span class=\"__12 _b_11\"/>0<span class=\"__12 _839\"> </span></span>-37<span class=\"__12 _8e_4\"> </span>10<span class=\"__12 _821\"> </span><span class=\"ls3_11 ws3_11\">-2<span class=\"__12 _a7_5\"> </span><span class=\"lsb_11 wsf_11\">-7<span class=\"__12 _b_11\"/>0<span class=\"__12 _777\"> </span></span></span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:258.7605px;\">S\u00e4rskild l\u00f6neskatt/socialf<span class=\"__12 _768\"/>\u00f6rs\u00e4kringsav<span class=\"__12 _768\"/><span class=\"__12 _777\">gifter1</span><span class=\"__12 _b8_4\"> </span>6<span class=\"__12 _821\"> </span><span class=\"ls3_11 ws3_11\">-2<span class=\"__12 _4f_4\"> </span></span>\u2013<span class=\"__12 _831\"> </span>\u2013<span class=\"__12 _4f_4\"> </span>\u2013<span class=\"__12 _837\"> </span>4<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:241.61609px;\">Kostnader f<span class=\"__12 _768\"/>\u00f6r f\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4mda pensionsplaner  </div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:230.5687px;\">(kostnader+, int<span class=\"__12 _768\"/>\u00e4kter-)<span class=\"__12 _af_5\"> </span>32<span class=\"__12 _839\"> </span><span class=\"ls4_11 ws8_11\">-13<span class=\"__12 _783\"> </span></span>-62<span class=\"__12 _837\"> </span>0<span class=\"__12 _4b_4\"> </span>-6<span class=\"__12 _867\"> </span>-49<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hb_11 ff2_12 fs6_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:210.91165px;\">1)  Kostnader h\u00e4nf<span class=\"__12 _768\"/>\u00f6rliga till s\u00e4rskild l\u00f6neskatt i Sv<span class=\"__12 _768\"/>erige och socialf\u00f6rs\u00e4kringsa<span class=\"__12 _768\"/>vgifter i Norge.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 he_11 ff2_12 fs4_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:951.164px;\">Kos<span class=\"__12 _768\"/>tnader f\u00f6r f<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4mda pensionsplaner<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:937.63495px;\">\u00c5rets pensionskostnad, nett<span class=\"__12 _768\"/>o, h\u00e4nf<span class=\"__12 _a_11\"/>\u00f6rlig till f\u00f6rm\u00e5nsbest\u00e4mda<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:924.10974px;\">pensionsplaner<span class=\"__12 _a_11\"/>, uppgick i koncernens resultatr<span class=\"__12 _768\"/>\u00e4kning (inklu-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:910.58453px;\">derad i personalkostnader) till 5<span class=\"__12 _768\"/>1 mn euro (55 mn euro<span class=\"__12 _768\"/>). <span class=\"__12 _768\"/>T<span class=\"__12 _be_5\"/>ota-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:951.65735px;\">la pensionskostnader utg\u00f6rs a<span class=\"__12 _768\"/>v kos<span class=\"__12 _768\"/>tnader f\u00f6r f<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbe-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:938.13214px;\">st\u00e4mda pensioner liksom kos<span class=\"__12 _768\"/>tnader f<span class=\"__12 _768\"/>\u00f6r av<span class=\"__12 _768\"/>giftsbest\u00e4mda pen-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:924.607px;\">sioner (se speci\ufb01kation i tabellen \u201dP<span class=\"__12 _768\"/>ersonalkostnader\u201d).<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:575.7916px;\">\u00c5rets kostnad f<span class=\"__12 _768\"/>\u00f6r f<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbest\u00e4mda pensionsplaner<span class=\"__12 _a_11\"/>, exklu-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:562.2664px;\">sive kostnader a<span class=\"__12 _a_11\"/>vseende tj\u00e4nstg\u00f6ring tidigare \u00e5r med tillh\u00f6-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:575.7916px;\">rande s\u00e4rskild l\u00f6neskatt och socialf<span class=\"__12 _768\"/>\u00f6rs\u00e4kringsa<span class=\"__12 _768\"/>vgift,  </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:562.2664px;\">var i huvudsak of<span class=\"__12 _768\"/>\u00f6r\u00e4ndr<span class=\"__12 _768\"/>ad j\u00e4mf<span class=\"__12 _768\"/>\u00f6rt med 2021.<span class=\"__12 _777\"> </span></div>171<span class=\"__12 _777\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__12 _777\"> </span>Inledning<span class=\"__12 _767\"> </span><span class=\"__12 _777\">Aff</span><span class=\"__12 _768\"/>\u00e4rsomr\u00e5den<span class=\"__12 _769\"/><span class=\"ws0_12\">V<span class=\"__12 _768\"/>\u00e5ra in<span class=\"__12 _768\"/>tressent<span class=\"__12 _768\"/>er<span class=\"__12 _770\"> </span><span class=\"ff1_12\">Finansiella rapporter<span class=\"__12 _771\"/><span class=\"ff2_12 ws2_11\">F\u00f6rvaltningsber<span class=\"__12 _768\"/>\u00e4ttelse<span class=\"__12 _772\"> </span>H\u00e5llbarhetsnoter<span class=\"__12 _773\"> </span>\u00d6vrigt<span class=\"__12 _774\"/><span class=\"ws0_12\">Strategisk r<span class=\"__12 _768\"/>apport<span class=\"__12 _777\"> </span></span></span></span></span>K8.3 <span class=\"__12 _bf_5\"> </span>Aktier<span class=\"__12 _768\"/>ela<span class=\"__12 _768\"/>terade ers\u00e4<span class=\"__12 _768\"/>ttningsprogr<span class=\"__12 _768\"/>am<span class=\"__12 _777\"> </span>Redovisningsprinciper<span class=\"__12 _777\"> </span>Program som r<span class=\"__12 _768\"/>egleras med eget kapital<span class=\"__12 _768\"/>-instrument Aktierela<span class=\"__12 _768\"/>terad ers\u00e4<span class=\"__12 _768\"/>ttning som regleras med eget k<span class=\"__12 _768\"/>apital-<span class=\"__12 _777\"> </span>instrument inneb\u00e4r a<span class=\"__12 _768\"/>tt <span class=\"ws5_11\">Nordea</span> anv<span class=\"__12 _768\"/>\u00e4nder sina egna eget kapital- <span class=\"__12 _c0_5\"/>instrument s<span class=\"__12 _768\"/>om betalning f\u00f6r erh\u00e5llna v<span class=\"__12 _768\"/>aror eller tj\u00e4ns<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>ter<span class=\"__12 _a_11\"/>. S\u00e5dana transaktioner redo<span class=\"__12 _768\"/>visas som en personalkostnad och en motsvar<span class=\"__12 _768\"/>ande \u00f6kning a<span class=\"__12 _768\"/>v eget kapital. Kostnaden v<span class=\"__12 _768\"/>\u00e4rde<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>ras till det verkligt v<span class=\"__12 _768\"/>\u00e4rdet a<span class=\"__12 _768\"/>v erh\u00e5llna varor eller tj\u00e4ns<span class=\"__12 _768\"/>ter<span class=\"__12 _a_11\"/>, f\u00f6rut<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>satt att det v<span class=\"__12 _768\"/>erkliga v\u00e4rdet kan uppska<span class=\"__12 _768\"/>ttas p\u00e5 ett tillf<span class=\"__12 _768\"/>\u00f6rlitligt s\u00e4tt. Om s\u00e5 inte \u00e4r f<span class=\"__12 _768\"/>allet v\u00e4rder<span class=\"__12 _768\"/>as kostnaden bas<span class=\"__12 _768\"/>erat p\u00e5 det verkliga v\u00e4r<span class=\"__12 _768\"/>det p\u00e5 de eget kapital-instrumen<span class=\"__12 _768\"/>t som tilldela<span class=\"__12 _768\"/>ts, vilket \u00e4r den metod som anv<span class=\"__12 _768\"/>\u00e4nds a<span class=\"__12 _768\"/>v <span class=\"ws5_11\">Nordea</span><span class=\"ls0_12\">.<span class=\"__12 _777\"> </span></span>N\u00e4r Nordea<span class=\"ws0_12\"> emitter<span class=\"__12 _768\"/>ar s\u00e5dana instrumen<span class=\"__12 _768\"/>t kostnadsf<span class=\"__12 _768\"/>\u00f6rs det </span>verkliga v\u00e4r<span class=\"__12 _768\"/>det f\u00f6r dessa r<span class=\"__12 _768\"/>\u00e4ttigheter p\u00e5 tilldelnings<span class=\"__12 _768\"/>dagen linj\u00e4rt \u00f6ver in<span class=\"__12 _768\"/>tj\u00e4nandeperioden. Det verkliga v\u00e4r<span class=\"__12 _768\"/>det per r\u00e4<span class=\"__12 _768\"/>ttighet ber\u00e4knas p\u00e5 tilldelningsdagen och omv<span class=\"__12 _768\"/>\u00e4rderas in<span class=\"__12 _768\"/>te d\u00e4r<span class=\"__12 _768\"/>efter<span class=\"__12 _a_11\"/>. Intj\u00e4nandeperioden \u00e4r den period som de ans<span class=\"__12 _768\"/>t\u00e4llda m\u00e5ste f<span class=\"__12 _768\"/>\u00f6r<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>bli i tj\u00e4nst hos <span class=\"ws5_11\">Nordea</span> f<span class=\"__12 _768\"/>\u00f6r att k<span class=\"__12 _768\"/>unna utnyttja sina r\u00e4<span class=\"__12 _768\"/>ttigheter<span class=\"__12 _a_11\"/>. F\u00f6r r<span class=\"__12 _768\"/>\u00e4ttigheter d\u00e4r r<span class=\"__12 _768\"/>esultatvillk<span class=\"__12 _768\"/>oren in<span class=\"__12 _768\"/>te \u00e4r marknadsbase<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>rade kos<span class=\"__12 _768\"/>tnadsf\u00f6rs ett belopp motsv<span class=\"__12 _768\"/>arande det v<span class=\"__12 _768\"/>erkliga v\u00e4rdet per r\u00e4ttighet p\u00e5 tilldelningsdagen, mul<span class=\"__12 _768\"/>tiplicera<span class=\"__12 _768\"/>t med den b\u00e4sta uppskattningen a<span class=\"__12 _768\"/>v ant<span class=\"__12 _768\"/>alet r\u00e4ttighet<span class=\"__12 _768\"/>er som slutligen kommer att intj\u00e4nas, vilk<span class=\"__12 _768\"/>et omv\u00e4r<span class=\"__12 _768\"/>deras per v<span class=\"__12 _768\"/>arje balansdag. F\u00f6r r<span class=\"__12 _768\"/>\u00e4ttig<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>heter d\u00e4r result<span class=\"__12 _768\"/>atvillkoren \u00e4r marknadsbas<span class=\"__12 _768\"/>erade ber\u00e4knas det samlade verkliga v\u00e4r<span class=\"__12 _768\"/>det som det verkliga v\u00e4r<span class=\"__12 _768\"/>det per r\u00e4ttighet, multiplicera<span class=\"__12 _768\"/>t med det maximala ant<span class=\"__12 _768\"/>alet r\u00e4ttighet<span class=\"__12 _768\"/>er p\u00e5 tilldel<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>ningsdagen. H\u00e4nsyn tas till marknadsbaserade villk<span class=\"__12 _768\"/>or n\u00e4r det verkliga v\u00e4r<span class=\"__12 _768\"/>det f\u00f6r ak<span class=\"__12 _768\"/>tierna som tilldelas ska ber<span class=\"__12 _768\"/>\u00e4knas. Om alla andra in<span class=\"__12 _768\"/>tj\u00e4ningsvillkor (t.ex. servicevillkor) \u00e4r upp<span class=\"__12 _768\"/>fyllda, redovi<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>sar Nordea<span class=\"ws0_12\"> en kos<span class=\"__12 _768\"/>tnad f\u00f6r till<span class=\"__12 _768\"/>delade aktier med marknadsvill<span class=\"__12 _768\"/><span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span></span>kor under intj\u00e4nandeperioden oa<span class=\"__12 _a_11\"/>vsett om dessa marknadsvill<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>kor \u00e4r uppfyllda.<span class=\"__12 _777\"> </span>Sociala av<span class=\"__12 _768\"/>gifter periodiseras ocks\u00e5 \u00f6<span class=\"__12 _768\"/>ver in<span class=\"__12 _768\"/>tj\u00e4nandeperio-<span class=\"__12 _777\"> </span>den. A<span class=\"__12 _a_11\"/>vs\u00e4ttningen f\u00f6r sociala a<span class=\"__12 _768\"/>vgift<span class=\"__12 _768\"/>er omv\u00e4r<span class=\"__12 _768\"/>deras vid v<span class=\"__12 _768\"/>arje balansdag f\u00f6r a<span class=\"__12 _768\"/>tt s\u00e4kerst\u00e4lla a<span class=\"__12 _768\"/>tt den baseras p\u00e5 r<span class=\"__12 _768\"/>\u00e4ttigheter-<span class=\"__12 _777\"> </span>nas verkliga v\u00e4r<span class=\"__12 _768\"/>de p\u00e5 balansdagen.<span class=\"__12 _777\"> </span>Program med k<span class=\"__12 _768\"/>ontan<span class=\"__12 _768\"/>treglering<span class=\"__12 _777\"> </span>Aktie rela<span class=\"__12 _768\"/>terad ers\u00e4<span class=\"__12 _768\"/>ttning med kont<span class=\"__12 _768\"/>antreglering inneb\u00e4r a<span class=\"__12 _768\"/>tt Nordea<span class=\"ws0_12\"> f<span class=\"__12 _768\"/>\u00f6rv\u00e4rvar varor eller tj\u00e4nst<span class=\"__12 _768\"/>er genom att \u00e5dra sig en </span>f\u00f6rplik<span class=\"__12 _768\"/>telse a<span class=\"__12 _768\"/>tt \u00f6verf<span class=\"__12 _768\"/>\u00f6ra kon<span class=\"__12 _768\"/>tan<span class=\"__12 _768\"/>ter eller andra tillg\u00e5ngar till leveran<span class=\"__12 _768\"/>t\u00f6r<span class=\"__12 _768\"/>en av dessa v<span class=\"__12 _768\"/>aror eller tj\u00e4ns<span class=\"__12 _768\"/>ter till ett belopp som baseras p\u00e5 kursen p\u00e5 <span class=\"ws13_11\">Nor<span class=\"__12 _768\"/>dea<span class=\"ws0_12\">s eget kapital-instrumen<span class=\"__12 _768\"/>t. F\u00f6r </span></span>aktie rela<span class=\"__12 _768\"/>terad ers\u00e4<span class=\"__12 _768\"/>ttning med kont<span class=\"__12 _768\"/>ant reglering v<span class=\"__12 _768\"/>\u00e4rder<span class=\"__12 _768\"/>as de f\u00f6rv\u00e4rvade v<span class=\"__12 _768\"/>arorna eller tj\u00e4nsterna och den uppk<span class=\"__12 _768\"/>omna f\u00f6rplik<span class=\"__12 _768\"/><span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>telsen till det verkliga v<span class=\"__12 _768\"/>\u00e4rdet p\u00e5 skulden. Sk<span class=\"__12 _768\"/>ulden omv\u00e4r<span class=\"__12 _768\"/>deras till verkligt v\u00e4r<span class=\"__12 _768\"/>de vid rapportperiodens slut, och eventuella f<span class=\"__12 _768\"/>\u00f6r<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>\u00e4ndringar i verkligt v\u00e4r<span class=\"__12 _768\"/>de redovisas under pos<span class=\"__12 _768\"/>ten \u201dNettoresul<span class=\"__12 _768\"/><span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>tat a<span class=\"__12 _768\"/>v poster till v<span class=\"__12 _768\"/>erkligt v\u00e4rde\u201d i r<span class=\"__12 _768\"/>esulta<span class=\"__12 _768\"/>tr\u00e4kningen.<span class=\"__12 _777\"> </span>Nordea har flera pr<span class=\"__12 _768\"/>ogram f<span class=\"__12 _768\"/>\u00f6r r\u00f6rlig ers\u00e4ttning till utvalda Nordeamedarbetare (<span class=\"__12 _768\"/>deltagare<span class=\"__12 _768\"/>). Villkoren i pr<span class=\"__12 _768\"/>ogrammen  <span class=\"__12 _c0_5\"/>skiljer sig \u00e5t beroende p\u00e5 m\u00e5lgrupp. Uppl<span class=\"__12 _768\"/>ysningar om de aktierela<span class=\"__12 _768\"/>terade pr<span class=\"__12 _768\"/>ogrammen \ufb01nns nedan. Sam<span class=\"__12 _768\"/>tliga ers\u00e4tt-<span class=\"__12 _777\"> </span>ningsprogram beskrivs ocks\u00e5 i a<span class=\"__12 _768\"/>vsnittet \u201dErs\u00e4ttningar\u201d p\u00e5 sidan 79 i f\u00f6rvaltningsber\u00e4<span class=\"__12 _768\"/>ttelsen.<span class=\"__12 _777\"> </span>Fr<span class=\"__12 _768\"/>am till och med slutet a<span class=\"__12 _768\"/>v resul<span class=\"__12 _768\"/>tatm\u00e4tningsperioden/<span class=\"__12 _777\"> </span>r\u00e4kenskaps\u00e5r<span class=\"__12 _768\"/>et 2018 utgjordes Nordeas ak<span class=\"__12 _768\"/>tierela<span class=\"__12 _768\"/>terade pr<span class=\"__12 _768\"/>o-<span class=\"__12 _777\"> </span>gram f<span class=\"__12 _768\"/>\u00f6r r\u00f6rlig ers\u00e4ttning delvis a<span class=\"__12 _a_11\"/>v uppskjuten ers\u00e4ttning med index<span class=\"__12 _768\"/>ering till Nordeaak<span class=\"__12 _768\"/>tiens tot<span class=\"__12 _768\"/>alavkas<span class=\"__12 _768\"/>tning (TSR) och delvis ers\u00e4ttning i f<span class=\"__12 _768\"/>orm a<span class=\"__12 _768\"/>v kont<span class=\"__12 _768\"/>anter<span class=\"__12 _a_11\"/>. Utfallet f<span class=\"__12 _768\"/>r\u00e5n progr<span class=\"__12 _768\"/>am-<span class=\"__12 _777\"> </span>men reglerades i allm\u00e4nhet i k<span class=\"__12 _768\"/>ontan<span class=\"__12 _768\"/>ter och den del som index<span class=\"__12 _768\"/>erades till Nor<span class=\"__12 _768\"/>deas totala<span class=\"__12 _a_11\"/>vkastning redovisades som ett aktierela<span class=\"__12 _768\"/>tera<span class=\"__12 _768\"/>t ers\u00e4ttningsprogr<span class=\"__12 _768\"/>am med kont<span class=\"__12 _768\"/>antregl<span class=\"__12 _768\"/>ering. Index<span class=\"__12 _768\"/>eringen till Nordeaak<span class=\"__12 _768\"/>tiens tot<span class=\"__12 _768\"/>alavkas<span class=\"__12 _768\"/>tning resul<span class=\"__12 _768\"/>terade i en int\u00e4k<span class=\"__12 _768\"/>t p\u00e5 2 mn euro 2022 f<span class=\"__12 _768\"/>\u00f6r de \u00e5t<span class=\"__12 _768\"/>erst\u00e5ende uppskjutna betalningarna h\u00e4nf<span class=\"__12 _768\"/>\u00f6rliga till dessa progr<span class=\"__12 _768\"/>am. Fr<span class=\"__12 _768\"/>\u00e5n och med 2019 regleras ak<span class=\"__12 _768\"/>tierela<span class=\"__12 _768\"/>terade pr<span class=\"__12 _768\"/>ogram f<span class=\"__12 _768\"/>\u00f6r r\u00f6rlig ers\u00e4ttning delvis med k<span class=\"__12 _768\"/>ontan<span class=\"__12 _768\"/>ter utan k<span class=\"__12 _768\"/>oppling till Nordeas aktiek<span class=\"__12 _768\"/>urs, och delvis med Nordeaak<span class=\"__12 _768\"/>tier<span class=\"__12 _a_11\"/>, vilket inne-<span class=\"__12 _777\"> </span>b\u00e4r att den del som betalas i Nordeaak<span class=\"__12 _768\"/>tier \u00e4r ett ak<span class=\"__12 _768\"/>tierelat<span class=\"__12 _768\"/>e-<span class=\"__12 _777\"> </span>rat pr<span class=\"__12 _768\"/>ogram som regler<span class=\"__12 _768\"/>as med eget kapital-ins<span class=\"__12 _768\"/>trument. Index<span class=\"__12 _768\"/>ering till tot<span class=\"__12 _768\"/>alavk<span class=\"__12 _768\"/>astningen kan anv<span class=\"__12 _768\"/>\u00e4ndas i aktier<span class=\"__12 _768\"/>elate-<span class=\"__12 _777\"> </span>rade progr<span class=\"__12 _768\"/>am f\u00f6r r<span class=\"__12 _768\"/>\u00f6rlig ers\u00e4ttning, med h\u00e4nsyn tagen till ope-<span class=\"__12 _777\"> </span>rativ<span class=\"__12 _768\"/>a, administra<span class=\"__12 _768\"/>tiva och ska<span class=\"__12 _768\"/>ttem\u00e4ssiga fr<span class=\"__12 _768\"/>\u00e5gor samt ev<span class=\"__12 _768\"/>entu-<span class=\"__12 _777\"> </span>ella regler som g\u00e4ller f<span class=\"__12 _768\"/>\u00f6r vissa juridiska personer<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>Under 2021 kostnadsf<span class=\"__12 _768\"/>\u00f6rdes 1<span class=\"__12 _768\"/>7 mn euro f<span class=\"__12 _768\"/>\u00f6r r\u00f6rlig ers\u00e4ttning med betalning i kon<span class=\"__12 _768\"/>tanter och 16 mn eur<span class=\"__12 _768\"/>o med betalning i aktier inom r<span class=\"__12 _768\"/>amen f\u00f6r e<span class=\"__12 _768\"/>x<span class=\"__12 _768\"/>ecutive incen<span class=\"__12 _768\"/>tive progr<span class=\"__12 _768\"/>amme (EIP). Under 2022 juster<span class=\"__12 _768\"/>ades dessa ers\u00e4ttningar till 11 mn euro f<span class=\"__12 _768\"/>\u00f6r den del som betalas i aktier och ytt<span class=\"__12 _768\"/>erligare 15 mn euro i k<span class=\"__12 _768\"/>on<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>tanter<span class=\"__12 _a_11\"/>, samtidigt som r<span class=\"__12 _768\"/>\u00f6rlig l\u00f6nedel och bonusprogram bidr<span class=\"__12 _768\"/>og <span class=\"__12 _777\">med ytterligare 8 mn euro i k</span><span class=\"__12 _768\"/>ostnader fr<span class=\"__12 _768\"/>\u00e5n reglering med eget<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>kapitalinstrumen<span class=\"__12 _768\"/>t. Under 2022 har deltagarna i dessa program erh\u00e5llit <span class=\"ws0_12\">1 7<span class=\"ls0_12\">9</span>6 442 aktier i </span>Nordea<span class=\"ws0_12\">, vilket mo<span class=\"__12 _768\"/>tsvar<span class=\"__12 _768\"/><span class=\"__12 _777\">ar 19 mn euro </span></span>baserat p\u00e5 ak<span class=\"__12 _768\"/>tiekursen p\u00e5 tilldelningsdagen. <span class=\"__12 _a_11\"/>T<span class=\"__12 _be_5\"/>otalt tilldelades <span class=\"__12 _777\">deltagarna 2 2</span><span class=\"__12 _768\"/>43 143 aktier<span class=\"__12 _a_11\"/>. Dessa aktier hade ett verkligt v\u00e4r<span class=\"__12 _768\"/>de <span class=\"__12 _777\">p\u00e5 24 mn euro bas</span><span class=\"__12 _768\"/>erat p\u00e5 ak<span class=\"__12 _768\"/>tiekursen p\u00e5 tilldelningsdagen.<span class=\"__12 _777\"> </span>T<span class=\"__12 _a_11\"/>abellen nedan visar samtliga progr<span class=\"__12 _768\"/>am med aktier<span class=\"__12 _768\"/>elate-<span class=\"__12 _777\"> </span>rade kos<span class=\"__12 _768\"/>tnader som redovisa<span class=\"__12 _768\"/>ts under 2022 samt j\u00e4m<span class=\"__12 _768\"/>f\u00f6r<span class=\"__12 _768\"/>else-<span class=\"__12 _777\"> </span><span class=\"__12 _777\">siffrorna f</span><span class=\"__12 _768\"/><span class=\"__12 _777\">\u00f6r 2021. Siffrorna f</span><span class=\"__12 _a_11\"/>\u00f6r 2022 grundas p\u00e5 det f\u00f6rv\u00e4n-<span class=\"__12 _777\"> </span>tade utfallet 2022 och sam<span class=\"__12 _768\"/><span class=\"__12 _777\">tliga siffr</span><span class=\"__12 _768\"/>or \u00e4r exklusiv<span class=\"__12 _768\"/>e sociala av<span class=\"__12 _768\"/>gifter<span class=\"__12 _a_11\"/>. Kostnaden f<span class=\"__12 _768\"/>\u00f6r 2022 grundas p\u00e5 ett antagande om antal ak<span class=\"__12 _768\"/>tier som kommer a<span class=\"__12 _768\"/>tt tilldelas och omf<span class=\"__12 _768\"/>attas a<span class=\"__12 _768\"/>v upp-<span class=\"__12 _777\"> </span>skjutanderegler med \u00f6v<span class=\"__12 _768\"/>erl\u00e5telse under eft<span class=\"__12 _768\"/>erf\u00f6ljande \u00e5r<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>17<span class=\"__12 _b_11\"/>2<span class=\"__12 _777\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__12 _777\"> </span>Inledning<span class=\"__12 _767\"> </span><span class=\"__12 _777\">Aff</span><span class=\"__12 _768\"/>\u00e4rsomr\u00e5den<span class=\"__12 _769\"/><span class=\"ws0_12\">V<span class=\"__12 _768\"/>\u00e5ra in<span class=\"__12 _768\"/>tressent<span class=\"__12 _768\"/>er<span class=\"__12 _770\"> </span><span class=\"ff1_12\">Finansiella rapporter<span class=\"__12 _771\"/><span class=\"ff2_12 ws2_11\">F\u00f6rvaltningsber<span class=\"__12 _768\"/>\u00e4ttelse<span class=\"__12 _772\"> </span>H\u00e5llbarhetsnoter<span class=\"__12 _773\"> </span>\u00d6vrigt<span class=\"__12 _774\"/><span class=\"ws0_12\">Strategisk r<span class=\"__12 _768\"/>apport<span class=\"__12 _777\"> </span></span></span></span></span>Aktierela<span class=\"__12 _768\"/>ter<span class=\"__12 _768\"/>ade ers\u00e4ttningsprogr<span class=\"__12 _768\"/>amm<span class=\"__12 _777\"> </span>Program\u00e5r<span class=\"__12 _777\"> </span>Eget kapital- ell<span class=\"__12 _768\"/>er <span class=\"__12 _786\"/> kontantr<span class=\"__12 _768\"/>eglerade<span class=\"__12 _777\"> </span>\u00d6verl\u00e5telse-<span class=\"__12 _777\"> </span>period<span class=\"__12 _817\"> </span>K<span class=\"__12 _768\"/>ostnad 2022<span class=\"__12 _817\"> </span>Kostnad 2021<span class=\"__12 _777\"> </span>Skuld 31 dec 2022<span class=\"__12 _777\"> </span>Skuld 31 dec 2021<span class=\"__12 _777\"> </span>Utst\u00e5ende r\u00e4ttigheter<span class=\"__12 _777\"> </span>2022<span class=\"__12 _777\"> </span>- L<span class=\"__12 _a_11\"/>TIP<span class=\"__12 _c1_4\"> </span>Eget kapital<span class=\"__12 _768\"/>-reglera<span class=\"__12 _768\"/>t<span class=\"__12 _798\"> </span>202<span class=\"__12 _b_11\"/>5\u20132030<span class=\"__12 _c2_5\"> </span>1<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _834\"> </span>\u2013<span class=\"__12 _5a_4\"> </span>\u2013<span class=\"__12 _7b_4\"> </span>Ja<span class=\"__12 _777\"> </span>1 - NIP<span class=\"__12 _c3_4\"> </span>Eget kapital<span class=\"__12 _768\"/>-reglera<span class=\"__12 _768\"/>t<span class=\"__12 _806\"> </span>2023\u20132028<span class=\"__12 _818\"> </span>12<span class=\"__12 _834\"> </span>\u2013<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _5a_4\"> </span>\u2013<span class=\"__12 _822\"> </span>Ja<span class=\"__12 _777\"> </span>2 - Utk\u00f6p, etc.<span class=\"__12 _c4_4\"> </span>Eget kapital<span class=\"__12 _768\"/>-reglera<span class=\"__12 _768\"/>t<span class=\"__12 _806\"> </span>2022\u20132026<span class=\"__12 _834\"> </span>0<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _818\"> </span>\u2013<span class=\"__12 _822\"> </span>Ja<span class=\"__12 _777\"> </span>2 2021<span class=\"__12 _777\"> </span>- L<span class=\"__12 _a_11\"/>TIP<span class=\"__12 _c1_4\"> </span>Eget kapital<span class=\"__12 _768\"/>-reglera<span class=\"__12 _768\"/>t<span class=\"__12 _806\"> </span>202<span class=\"__12 _768\"/>4\u20132029<span class=\"__12 _c2_5\"> </span>1<span class=\"__12 _c2_5\"> </span>1<span class=\"__12 _834\"> </span>\u2013<span class=\"__12 _5a_4\"> </span>\u2013<span class=\"__12 _822\"> </span>Ja<span class=\"__12 _777\"> </span>3<span class=\"__12 _777\"> </span>- EIP<span class=\"__12 _c5_5\"> </span>Eget kapital<span class=\"__12 _768\"/>-reglera<span class=\"__12 _768\"/>t<span class=\"__12 _812\"> </span>2022\u20132027<span class=\"__12 _827\"> </span>-5<span class=\"__12 _5a_4\"> </span>16<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _818\"> </span>\u2013<span class=\"__12 _818\"> </span>Ja - R\u00f6rlig l\u00f6nedel/bonus<span class=\"__12 _8e_4\"> </span>Eget kapital-regler<span class=\"__12 _768\"/>at<span class=\"__12 _812\"> </span>2022\u20132027<span class=\"__12 _778\"> </span>8<span class=\"__12 _834\"> </span>\u2013<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _5a_4\"> </span>\u2013<span class=\"__12 _818\"> </span>Ja - Utk\u00f6p, etc.<span class=\"__12 _c4_4\"> </span>Eget kapital<span class=\"__12 _768\"/>-reglera<span class=\"__12 _768\"/>t<span class=\"__12 _812\"> </span>2022\u2013<span class=\"__12 _768\"/>2023<span class=\"__12 _834\"> </span>0<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _818\"> </span>\u2013<span class=\"__12 _818\"> </span>Ja<span class=\"__12 _777\"> </span>2020<span class=\"__12 _777\"> </span>- L<span class=\"__12 _a_11\"/>TIP<span class=\"__12 _c1_4\"> </span>Eget kapital<span class=\"__12 _768\"/>-reglera<span class=\"__12 _768\"/>t<span class=\"__12 _806\"> </span>2023\u20132028<span class=\"__12 _778\"> </span>0<span class=\"__12 _834\"> </span>0<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _818\"> </span>\u2013<span class=\"__12 _818\"> </span>Ja<span class=\"__12 _777\"> </span>- EIP<span class=\"__12 _c5_5\"> </span>Eget kapital<span class=\"__12 _768\"/>-reglera<span class=\"__12 _768\"/>t<span class=\"__12 _c6_4\"> </span>2021\u2013<span class=\"__12 _768\"/>2026<span class=\"__12 _824\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _827\"> </span></span>-5<span class=\"__12 _834\"> </span>\u2013<span class=\"__12 _5a_4\"> </span>\u2013<span class=\"__12 _5a_4\"> </span>Ja<span class=\"__12 _777\"> </span>- R\u00f6rlig l\u00f6nedel/bonus<span class=\"__12 _8e_4\"> </span>Eget kapital-regler<span class=\"__12 _768\"/>at<span class=\"__12 _812\"> </span>2021\u20132026<span class=\"__12 _824\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _c2_5\"> </span></span>7<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _5a_4\"> </span>\u2013<span class=\"__12 _818\"> </span>Ja<span class=\"__12 _777\"> </span>- Utk\u00f6p, etc.<span class=\"__12 _c4_4\"> </span>Eget kapital<span class=\"__12 _768\"/>-reglera<span class=\"__12 _768\"/>t<span class=\"__12 _c6_4\"> </span>2021\u2013<span class=\"__12 _768\"/>2026<span class=\"__12 _834\"> </span>0<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _818\"> </span>\u2013<span class=\"__12 _818\"> </span>Ja<span class=\"__12 _777\"> </span>Tidigare \u00e5r<span class=\"__12 _c7_4\"> </span><span class=\"ff2_12\">Kont<span class=\"__12 _768\"/>antregler<span class=\"__12 _768\"/>at<span class=\"__12 _806\"> </span>2022\u20132025<span class=\"__12 _824\"> </span><span class=\"ls3_11 ws3_11\">-2<span class=\"__12 _818\"> </span></span>16<span class=\"__12 _852\"> </span>7<span class=\"__12 _835\"> </span><span class=\"ls3_11 ws3_11\">24<span class=\"__12 _835\"> </span></span>Nej<span class=\"__12 _777\"> </span></span>Eget kapital<span class=\"__12 _768\"/>-reglera<span class=\"__12 _768\"/>t<span class=\"__12 _812\"> </span>2022\u2013<span class=\"__12 _768\"/>2025<span class=\"__12 _824\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _c8_5\"> </span>-1<span class=\"__12 _778\"> </span></span>\u2013<span class=\"__12 _818\"> </span>\u2013<span class=\"__12 _818\"> </span>Ja<span class=\"__12 _777\"> </span>Summa<span class=\"__12 _c9_5\"> </span>12<span class=\"__12 _854\"> </span>34<span class=\"__12 _852\"> </span>7<span class=\"__12 _800\"> </span><span class=\"ls3_11 ws3_11\">24<span class=\"__12 _777\"> </span></span>1)  R\u00e4ttigheter tilldelas efter den tre\u00e5riga resul<span class=\"__12 _768\"/>tatm\u00e4tningsperiodens slut (2022\u2013<span class=\"__12 _768\"/>2024), under den efterf<span class=\"__12 _768\"/>\u00f6ljande \u00f6verl\u00e5t<span class=\"__12 _768\"/>elseperioden (2025\u20132030).<span class=\"__12 _777\"> </span>2)  R\u00e4ttigheter tilldelas under 2023 utifr\u00e5n result<span class=\"__12 _768\"/>atet f\u00f6r 2022.<span class=\"__12 _777\"> </span>3)  R\u00e4ttigheter tilldelas efter den tre\u00e5riga resul<span class=\"__12 _768\"/>tatm\u00e4tningsperiodens slut (2021<span class=\"__12 _768\"/>\u20132023), under den efterf\u00f6ljande \u00f6<span class=\"__12 _768\"/>verl\u00e5telseperioden (202<span class=\"__12 _768\"/>4\u20132029).<span class=\"__12 _777\"> </span>K8.3  Aktierelaterade ers\u00e4ttningsprogram, forts.<span class=\"__12 _777\"> </span>Nordeas l\u00e5ngsik<span class=\"__12 _768\"/>tiga incitamentsprogr<span class=\"__12 _768\"/>am<span class=\"__12 _777\"> </span>Nordea har l\u00e5ngsiktiga incit<span class=\"__12 _768\"/>amentspr<span class=\"__12 _768\"/>ogram (L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _a_11\"/>, long term incentiv<span class=\"__12 _768\"/>e plan) f\u00f6r k<span class=\"__12 _768\"/>oncernchef<span class=\"__12 _768\"/>en, de medlemmar i koncern-<span class=\"__12 _777\"> </span>ledningen som ing\u00e5r i f\u00f6rs<span class=\"__12 _768\"/>ta f\u00f6rsvarslinjen och h\u00f6gs<span class=\"__12 _768\"/>t 50 andra ledande befa<span class=\"__12 _768\"/>ttningshav<span class=\"__12 _768\"/>are v<span class=\"__12 _768\"/>arje \u00e5r<span class=\"__12 _a_11\"/>. L<span class=\"__12 _a_11\"/>TIP har funnits i Nor<span class=\"__12 _768\"/>dea sedan 2020 och vid starten innef<span class=\"__12 _768\"/>attades k<span class=\"__12 _768\"/>oncernchef<span class=\"__12 _768\"/>en och de medlemmar i koncernledningen som ing\u00e5r i f<span class=\"__12 _768\"/>\u00f6rsta f<span class=\"__12 _768\"/>\u00f6r-<span class=\"__12 _777\"> </span>svarslinjen. Under 2021 ut\u00f6kades L<span class=\"__12 _be_5\"/>TIP till a<span class=\"__12 _768\"/>tt ocks\u00e5 innefa<span class=\"__12 _768\"/>tta upp till 50 andra ledande bef<span class=\"__12 _768\"/>attningsha<span class=\"__12 _768\"/>var<span class=\"__12 _768\"/>e. Den 31 mars 2022 beslutade styr<span class=\"__12 _768\"/>elsen om ett nytt progr<span class=\"__12 _768\"/>am, L<span class=\"__12 _be_5\"/>TIP 2022, f<span class=\"__12 _768\"/>\u00f6r samma m\u00e5lgrupp som 2021, det vill s\u00e4ga koncernchef<span class=\"__12 _768\"/>en och de medlemmar i koncernledningen som ing\u00e5r i f<span class=\"__12 _768\"/>\u00f6rsta f<span class=\"__12 _768\"/>\u00f6r-<span class=\"__12 _777\"> </span>svarslinjen samt upp till 50 andr<span class=\"__12 _768\"/>a ledande befa<span class=\"__12 _768\"/>ttningsha<span class=\"__12 _768\"/>vare.<span class=\"__12 _777\"> </span>V<span class=\"__12 _a_11\"/>ardera L<span class=\"__12 _be_5\"/>TIP t\u00e4cker en resul<span class=\"__12 _768\"/>tatm\u00e4tningsperiod p\u00e5 tr<span class=\"__12 _768\"/>e \u00e5r fr\u00e5n tidpunk<span class=\"__12 _768\"/>ten f<span class=\"__12 _768\"/>\u00f6r inf<span class=\"__12 _768\"/>\u00f6randet, och de regler<span class=\"__12 _768\"/>as helt med eget kapital-instrumen<span class=\"__12 _768\"/>t. Programmen erbjuder deltagarna villk<span class=\"__12 _768\"/>o-<span class=\"__12 _777\"> </span>rade ak<span class=\"__12 _768\"/>tier<span class=\"__12 _a_11\"/>, det vill s\u00e4ga ett l\u00f6fte till deltagaren om tilldelning av ak<span class=\"__12 _768\"/>tier om vissa pres<span class=\"__12 _768\"/>tationskriterier upp<span class=\"__12 _768\"/>fylls. Det h\u00f6gsta an<span class=\"__12 _768\"/>talet aktier s<span class=\"__12 _768\"/>om kan f\u00f6r<span class=\"__12 _768\"/>delas till deltagarna beslutas n\u00e4r respek<span class=\"__12 _768\"/>tive L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _768\"/> inf<span class=\"__12 _768\"/>\u00f6rs, och det slutliga antalet aktier som f<span class=\"__12 _768\"/>ak<span class=\"__12 _768\"/>tiskt tilldelas v<span class=\"__12 _768\"/>arje deltagare k<span class=\"__12 _768\"/>ommer att f<span class=\"__12 _768\"/>ast-<span class=\"__12 _777\"> </span>st\u00e4llas efter den 3-<span class=\"__12 _768\"/>\u00e5riga result<span class=\"__12 _768\"/>atm\u00e4tningsperiodens slut. Inga aktier tilldelas vid tidpunk<span class=\"__12 _768\"/>ten f<span class=\"__12 _768\"/>\u00f6r L<span class=\"__12 _be_5\"/>TIP-programmens inf<span class=\"__12 _768\"/>\u00f6r<span class=\"__12 _768\"/>an-<span class=\"__12 _777\"> </span>de och f\u00f6r<span class=\"__12 _768\"/>delningen av de villk<span class=\"__12 _768\"/>orade ak<span class=\"__12 _768\"/>tierna.<span class=\"__12 _777\"> </span>Efter resul<span class=\"__12 _768\"/>tatm\u00e4<span class=\"__12 _768\"/>tningsperiodens slut och n\u00e4r styrels<span class=\"__12 _768\"/>en har beslutat om ak<span class=\"__12 _768\"/>tietilldelningen fr<span class=\"__12 _768\"/>\u00e5n L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _a_11\"/>, omfattas delar a<span class=\"__12 _a_11\"/>v aktietilldelningen a<span class=\"__12 _768\"/>v en uppskjutandeperiod med \u00e5rlig \u00f6v<span class=\"__12 _768\"/>erl\u00e5-<span class=\"__12 _777\"> </span>telse i lika st<span class=\"__12 _768\"/>ora delar under den kommande f<span class=\"__12 _768\"/>em\u00e5rsperioden. Aktier som \u00f6<span class=\"__12 _768\"/>verl\u00e5tits till del<span class=\"__12 _768\"/>tagarna omf<span class=\"__12 _768\"/>attas a<span class=\"__12 _768\"/>v en kv<span class=\"__12 _768\"/>arh\u00e5l-<span class=\"__12 _777\"> </span>landeperiod p\u00e5 12 m\u00e5nader<span class=\"__12 _a_11\"/>, under vilken deltagarna varken kan s\u00e4lja dem eller genomf<span class=\"__12 _768\"/>\u00f6ra n\u00e5gr<span class=\"__12 _768\"/>a andra transak<span class=\"__12 _768\"/>tioner<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>L<span class=\"__12 _be_5\"/>TIP kostnadsf<span class=\"__12 _768\"/>\u00f6rs linj\u00e4rt under resulta<span class=\"__12 _768\"/>tm\u00e4tningsperioden och uppskjutandeperioden, enligt beskrivningen nedan som omf<span class=\"__12 _768\"/>attar re<span class=\"__12 _768\"/>spektiv<span class=\"__12 _768\"/>e L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span><div class=\"t_12 m0_12 h1_12 ff1_12 fs0_12 fc0_12 sc0_12 ls4_11 ws8_11\" style=\"left:656.0268px; bottom:2.1012287px;\">173<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h2_12 ff2_12 fs1_11 fc0_12 sc0_12 ls0_12 ws1_12\" style=\"left:497.5244px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h3_11 ff2_12 fs1_11 fc0_12 sc0_12 ls1_12 ws2_11\" style=\"left:4.2144775px; bottom:1029.1447px;\">Inledning<span class=\"__12 _767\"> </span><span class=\"__12 _777\">Aff</span><span class=\"__12 _768\"/>\u00e4rsomr\u00e5den<span class=\"__12 _769\"/><span class=\"ws0_12\">V<span class=\"__12 _768\"/>\u00e5ra in<span class=\"__12 _768\"/>tressent<span class=\"__12 _768\"/>er<span class=\"__12 _770\"> </span><span class=\"ff1_12\">Finansiella rapporter<span class=\"__12 _771\"/><span class=\"ff2_12 ws2_11\">F\u00f6rvaltningsber<span class=\"__12 _768\"/>\u00e4ttelse<span class=\"__12 _772\"> </span>H\u00e5llbarhetsnoter<span class=\"__12 _773\"> </span>\u00d6vrigt<span class=\"__12 _774\"/><span class=\"ws0_12\">Strategisk r<span class=\"__12 _768\"/>apport<span class=\"__12 _777\"> </span></span></span></span></span></div><div class=\"t_12 m0_12 hd_11 ff4_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:986.27924px;\">K8.3  Aktierelaterade ers\u00e4ttningsprogram, forts.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:948.4821px;\">L<span class=\"__12 _a_11\"/>TIP<span class=\"__12 _5d_4\"> </span>L<span class=\"__12 _a_11\"/>TIP 2020-2022<span class=\"__12 _ca_4\"> </span>L<span class=\"__12 _a_11\"/>TIP 2021-<span class=\"__12 _768\"/>2023<span class=\"__12 _772\"> </span>L<span class=\"__12 _be_5\"/>TIP 2022-2024<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:931.339px;\">Styrelsens<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:920.2916px;\">beslut om<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:909.2442px;\">program<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:931.34814px;\">11 juni 2020<span class=\"__12 _cb_4\"> </span>31 mars 2021<span class=\"__12 _cc_5\"> </span>31 mars 2022<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:892.10895px;\">Resulta<span class=\"__12 _768\"/>t-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:881.0615px;\">m\u00e4tnings-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:870.0141px;\">period<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:892.11804px;\">1 januari 2020\u201331 december 2022<span class=\"__12 _2b_6\"> </span>1 januari 2021\u201331 december 2023<span class=\"__12 _831\"> </span>1 januari 2022\u201331 december 2024<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:851.4046px;\">M\u00e5lgrupp<span class=\"__12 _781\"> </span>Koncernchef och medlemmar i<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:840.35724px;\">koncernledningen som ing\u00e5r i f<span class=\"__12 _768\"/>\u00f6rsta<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:829.3098px;\">f\u00f6rsvarslinjen<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:851.4137px;\">Koncernchef och medlemmar i<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:840.36633px;\">koncernledningen som ing\u00e5r i f<span class=\"__12 _768\"/>\u00f6rsta<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:829.3189px;\">f\u00f6rsvarslinjen sam<span class=\"__12 _768\"/>t upp till 50 andra<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:818.27155px;\">ledande befattningsha<span class=\"__12 _768\"/>var<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:851.4228px;\">Koncernchef och medlemmar i<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:840.3754px;\">koncernledningen som ing\u00e5r i f<span class=\"__12 _768\"/>\u00f6rsta<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:829.328px;\">f\u00f6rsvarslinjen sam<span class=\"__12 _768\"/>t upp till 50 andra<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:818.28064px;\">ledande befattningsha<span class=\"__12 _768\"/>var<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:799.66205px;\">Maximalt antal<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:788.6146px;\">aktier som kan<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:777.5672px;\">f\u00f6rdelas<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:799.67114px;\">650 000<span class=\"__12 _cd_4\"> </span>1 397 500<span class=\"__12 _ce_5\"> </span>1 535 000<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:758.9577px;\">Tilldelning<span class=\"__12 _2f_6\"> </span>Andra kvartalet 2023<span class=\"__12 _cf_4\"> </span>Andra kvartalet 202<span class=\"__12 _768\"/>4<span class=\"__12 _cf_4\"> </span>Andra kvartalet 2025<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:740.3391px;\">Presta<span class=\"__12 _768\"/>tions-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:729.29175px;\">kriterier (med<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:718.2443px;\">lika vikt)<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:740.3482px;\">Absolut totala<span class=\"__12 _768\"/>vkastning (aT<span class=\"__12 _768\"/>SR)<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:729.30084px;\">Relativ to<span class=\"__12 _768\"/>talavk<span class=\"__12 _768\"/>astning (rTSR)<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:718.2534px;\">Ackumulerad vins<span class=\"__12 _768\"/>t per aktie (EPS)<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:740.3573px;\">Absolut totala<span class=\"__12 _768\"/>vkastning (aT<span class=\"__12 _768\"/>SR)<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:729.30994px;\">Relativ to<span class=\"__12 _768\"/>talavk<span class=\"__12 _768\"/>astning (rTSR)<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:718.2625px;\">Ackumulerad vins<span class=\"__12 _768\"/>t per aktie (EPS)<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:740.3664px;\">Absolut totala<span class=\"__12 _768\"/>vkastning (aT<span class=\"__12 _768\"/>SR)<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:729.31903px;\">Relativ to<span class=\"__12 _768\"/>talavk<span class=\"__12 _768\"/>astning (rTSR)<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:718.2716px;\">Ackumulerad vins<span class=\"__12 _768\"/>t per aktie (EPS)<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:699.653px;\">Tj\u00e4nstg\u00f6rings-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:688.6056px;\">villkor<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:699.653px;\">Anst\u00e4lld i Nordeakonc<span class=\"__12 _768\"/>ernen under<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:688.6056px;\">intj\u00e4nandeperioden p\u00e5 3\u20138 \u00e5r<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:699.653px;\">Anst\u00e4llningen f\u00e5r in<span class=\"__12 _768\"/>te ha a<span class=\"__12 _768\"/>vslutats innan<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:688.6056px;\">tilldelningen bekr\u00e4ftas<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:699.653px;\">Anst\u00e4llningen f\u00e5r in<span class=\"__12 _768\"/>te ha a<span class=\"__12 _768\"/>vslutats innan<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:688.6056px;\">tilldelningen bekr\u00e4ftas<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:669.987px;\">Presta<span class=\"__12 _768\"/>tions-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:658.93964px;\">kriterium aTSR<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:669.987px;\">Uppg\u00e5ng f\u00f6r Nordeas ak<span class=\"__12 _768\"/>tiekurs i absoluta<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:658.93964px;\">termer (med \u00e5terinv<span class=\"__12 _768\"/>ester<span class=\"__12 _768\"/>ad utdelning).<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:647.8922px;\">H\u00f6gsta tilldelning f<span class=\"__12 _768\"/>\u00f6r aTSR \u00f6ver 12,00<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:636.84485px;\">euro. Ingen tilldelning f<span class=\"__12 _768\"/>\u00f6r aTSR under 6,50<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:625.7974px;\">euro.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:669.9961px;\">Uppg\u00e5ng f\u00f6r Nordeas ak<span class=\"__12 _768\"/>tiekurs i absoluta<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:658.9487px;\">termer (med \u00e5terinv<span class=\"__12 _768\"/>ester<span class=\"__12 _768\"/>ad utdelning).<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws14_11\" style=\"left:263.10272px; bottom:647.9013px;\">H\u00f6gsta tilldelning f<span class=\"__12 _768\"/>\u00f6r aTSR \u00f6ver 13,<span class=\"__12 _a_11\"/>10 euro.<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:636.85394px;\">Ingen tilldelning f\u00f6r aTSR under 7<span class=\"__12 _a_11\"/>,60 euro.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:670.00525px;\">Uppg\u00e5ng f\u00f6r Nordeas ak<span class=\"__12 _768\"/>tiekurs i absoluta<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:658.9578px;\">termer (med \u00e5terinv<span class=\"__12 _768\"/>ester<span class=\"__12 _768\"/>ad utdelning).<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:647.9104px;\">H\u00f6gsta tilldelning f<span class=\"__12 _768\"/>\u00f6r aTSR \u00f6ver<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:636.86304px;\"><span class=\"__12 _777\">14,97 euro. Ingen tilldelning f</span><span class=\"__12 _768\"/>\u00f6r aTSR<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:625.8156px;\">under 9,84 euro.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:607.197px;\">Presta<span class=\"__12 _768\"/>tions-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:596.1496px;\">kriterium rTSR<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:607.197px;\">Uppg\u00e5ng f\u00f6r Nordeas ak<span class=\"__12 _768\"/>tiekurs (med<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:596.1496px;\">\u00e5terinv<span class=\"__12 _768\"/>esterad ut<span class=\"__12 _768\"/>delning) i f\u00f6rh\u00e5llande till<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:585.10223px;\">en grupp med nio konkurren<span class=\"__12 _768\"/>ter<span class=\"__12 _a_11\"/>. H\u00f6gsta<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:574.0548px;\">tilldelning f\u00f6r rTSR om Nor<span class=\"__12 _768\"/>dea \u00e4r nummer<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:563.00745px;\">ett bland konkurren<span class=\"__12 _768\"/>terna. Ingen tilldelning<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:551.96px;\">f\u00f6r rTSR om Nor<span class=\"__12 _768\"/>dea \u00e4r nummer sex eller<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:540.9126px;\">s\u00e4mre bland konkurr<span class=\"__12 _768\"/>enterna.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:607.2152px;\">Uppg\u00e5ng f\u00f6r Nordeas ak<span class=\"__12 _768\"/>tiekurs (med<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:596.16785px;\">\u00e5terinv<span class=\"__12 _768\"/>esterad ut<span class=\"__12 _768\"/>delning) i f\u00f6rh\u00e5llande till<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:585.1204px;\">en grupp med nio konkurren<span class=\"__12 _768\"/>ter<span class=\"__12 _a_11\"/>. H\u00f6gsta<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:574.073px;\">tilldelning f\u00f6r rTSR om Nor<span class=\"__12 _768\"/>dea \u00e4r nummer<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:563.02563px;\">ett bland konkurren<span class=\"__12 _768\"/>terna. Ingen tilldelning<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:551.9782px;\">f\u00f6r rTSR om Nor<span class=\"__12 _768\"/>dea \u00e4r nummer sex eller<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:540.93085px;\">s\u00e4mre bland konkurr<span class=\"__12 _768\"/>enterna.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:607.2334px;\">Uppg\u00e5ng f\u00f6r Nordeas ak<span class=\"__12 _768\"/>tiekurs (med<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:596.18604px;\">\u00e5terinv<span class=\"__12 _768\"/>esterad ut<span class=\"__12 _768\"/>delning) i f\u00f6rh\u00e5llande till<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:585.1386px;\">en grupp med fem konk<span class=\"__12 _768\"/>urrent<span class=\"__12 _768\"/>er<span class=\"__12 _768\"/>. H\u00f6gsta<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:574.09125px;\">tilldelning f\u00f6r rTSR om Nor<span class=\"__12 _768\"/>dea \u00e4r nummer<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:563.0438px;\">ett bland konkurren<span class=\"__12 _768\"/>terna. Ingen tilldelning<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:551.9964px;\">f\u00f6r rTSR om Nor<span class=\"__12 _768\"/>dea \u00e4r nummer fyra eller<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:540.94904px;\">s\u00e4mre bland konkurr<span class=\"__12 _768\"/>enterna.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:522.33044px;\">Presta<span class=\"__12 _768\"/>tions-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:511.28302px;\">kriterium EPS<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:522.33044px;\">Samlat resulta<span class=\"__12 _768\"/>t per aktie f<span class=\"__12 _768\"/>\u00f6r perioden<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:511.28302px;\">2021\u2013<span class=\"__12 _768\"/>2022. H\u00f6gsta tilldelning f<span class=\"__12 _768\"/>\u00f6r EPS \u00f6ver<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:500.2356px;\">1,80 euro. Ingen tilldelning f\u00f6r EPS under<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:489.18823px;\">1,20 euro.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:522.33954px;\">Samlat resulta<span class=\"__12 _768\"/>t per aktie f<span class=\"__12 _768\"/>\u00f6r perioden<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:511.2921px;\">2021\u2013<span class=\"__12 _768\"/>2023. H\u00f6gsta tilldelning f\u00f6r EPS \u00f6<span class=\"__12 _768\"/>ver<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:500.2447px;\">2,56 euro. Ingen tilldelning f<span class=\"__12 _768\"/>\u00f6r EPS under<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:489.19733px;\">2,00 euro.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:522.34863px;\">Samlat resulta<span class=\"__12 _768\"/>t per aktie f<span class=\"__12 _768\"/>\u00f6r perioden<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:511.3012px;\">2022\u2013202<span class=\"__12 _768\"/>4. H\u00f6gsta tilldelning f<span class=\"__12 _768\"/>\u00f6r EPS \u00f6ver<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:500.25385px;\">3,20 euro. Ingen tilldelning f\u00f6r EPS under<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:489.20642px;\">2,40 euro.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:470.58783px;\">Villkor f\u00f6r<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:459.5404px;\">riskjustering<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:470.58783px;\">Ingen utbetalning om Nordeas<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:459.5404px;\">genomsnittliga avkas<span class=\"__12 _768\"/>tning p\u00e5 eget kapital<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:448.493px;\">(enligt rapportering) 2020\u2013<span class=\"__12 _768\"/>2022 \u00e4r under<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:437.44562px;\">3 procent eller om ak<span class=\"__12 _768\"/>tiens slutkurs \u00e4r l\u00e4gr<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:426.39822px;\">\u00e4n aktiens startkurs.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:470.59692px;\">Ingen utbetalning om Nordeas<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:459.54953px;\">genomsnittliga avkas<span class=\"__12 _768\"/>tning p\u00e5 eget kapital<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:448.5021px;\">(enligt rapportering) 2021<span class=\"__12 _768\"/>\u20132023 \u00e4r under<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:437.4547px;\"><span class=\"__12 _777\">3 procent eller om ak</span><span class=\"__12 _768\"/>tiens slutkurs \u00e4r l\u00e4gr<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:426.40732px;\">\u00e4n aktiens startkurs.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:470.60602px;\">Ingen utbetalning om Nordeas<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:459.55862px;\">genomsnittliga avkas<span class=\"__12 _768\"/>tning p\u00e5 eget kapital<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:448.51123px;\">(enligt rapportering) 2022\u2013<span class=\"__12 _768\"/>2024 \u00e4r under<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:437.4638px;\">3 procent eller om ak<span class=\"__12 _768\"/>tiens slutkurs \u00e4r l\u00e4gr<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:426.4164px;\">\u00e4n aktiens startkurs.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:407.79782px;\">\u00d6vre gr\u00e4ns<span class=\"__12 _802\"> </span>Tilldelningen k<span class=\"__12 _768\"/>an inte \u00f6v<span class=\"__12 _768\"/>erstiga<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:396.75043px;\"><span class=\"__12 _777\">200 procent a</span><span class=\"__12 _768\"/>v deltagar<span class=\"__12 _768\"/>ens l\u00f6n.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:407.79782px;\">Tilldelningen kan inte \u00f6<span class=\"__12 _768\"/>verstiga<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:396.75043px;\"><span class=\"__12 _777\">200 procent a</span><span class=\"__12 _768\"/>v deltagar<span class=\"__12 _768\"/>ens l\u00f6n.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:407.79782px;\">Tilldelningen kan inte \u00f6<span class=\"__12 _768\"/>verstiga<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:396.75043px;\"><span class=\"__12 _777\">200 procent a</span><span class=\"__12 _768\"/>v deltagar<span class=\"__12 _768\"/>ens l\u00f6n.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:378.1318px;\">\u00d6verl\u00e5telse-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:367.0844px;\">mekanism<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:378.1318px;\">40 procent a<span class=\"__12 _768\"/>v ak<span class=\"__12 _768\"/>tierna i even<span class=\"__12 _768\"/>tuell<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:367.0844px;\">tilldelning \u00f6verl\u00e5ts till del<span class=\"__12 _768\"/>tagaren under<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:356.03702px;\">andra kvartalet 2023. \u00c5ters<span class=\"__12 _768\"/>t\u00e5ende<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:344.98962px;\"><span class=\"__12 _777\">60 procent om</span><span class=\"__12 _768\"/>fa<span class=\"__12 _768\"/>ttas av en<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:333.94223px;\">uppskjutandeperiod och \u00f6verl\u00e5ts \u00e5rligen i<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:322.8948px;\">fem lika s<span class=\"__12 _768\"/>tora delar under perioden andra<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:311.8474px;\">kvartalet 2024 till andr<span class=\"__12 _768\"/>a kvartalet 2028.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:378.15002px;\">40 procent a<span class=\"__12 _768\"/>v ak<span class=\"__12 _768\"/>tierna i even<span class=\"__12 _768\"/>tuell<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:367.10263px;\">tilldelning \u00f6verl\u00e5ts till del<span class=\"__12 _768\"/>tagaren under<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:356.0552px;\">andra kvartalet 202<span class=\"__12 _768\"/>4. \u00c5terst\u00e5ende<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:345.0078px;\"><span class=\"__12 _777\">60 procent om</span><span class=\"__12 _768\"/>fa<span class=\"__12 _768\"/>ttas av en<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:333.96042px;\">uppskjutandeperiod och \u00f6verl\u00e5ts \u00e5rligen i<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:322.91302px;\">fem lika s<span class=\"__12 _768\"/>tora delar under perioden andra<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:311.86563px;\">kvartalet 2025 till andra kvartalet 2029.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:378.1682px;\">40 procent a<span class=\"__12 _768\"/>v ak<span class=\"__12 _768\"/>tierna i even<span class=\"__12 _768\"/>tuell<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:367.12082px;\">tilldelning \u00f6verl\u00e5ts till del<span class=\"__12 _768\"/>tagaren under<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:356.07343px;\">andra kvartalet 2025. \u00c5terst<span class=\"__12 _768\"/>\u00e5ende<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:345.02603px;\"><span class=\"__12 _777\">60 procent om</span><span class=\"__12 _768\"/>fa<span class=\"__12 _768\"/>ttas av en<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:333.9786px;\">uppskjutandeperiod och \u00f6verl\u00e5ts \u00e5rligen i<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:322.9312px;\">fem lika s<span class=\"__12 _768\"/>tora delar under perioden andra<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:311.88382px;\">kvartalet 2026 till andra kvartalet 2030.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:293.26523px;\">Regler vid<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:282.2178px;\">avslutad<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:271.1704px;\">anst\u00e4llning<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:293.27432px;\">Aktier som \u00e4nnu in<span class=\"__12 _768\"/>te intj\u00e4na<span class=\"__12 _768\"/>ts \u00f6verl\u00e5ts in<span class=\"__12 _768\"/>te<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:282.22693px;\">om anst\u00e4llningen a<span class=\"__12 _768\"/>vslutas f\u00f6r<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:271.1795px;\">\u00f6verl\u00e5t<span class=\"__12 _768\"/>elsedagen, dock med f\u00f6rbeh\u00e5ll f<span class=\"__12 _768\"/>\u00f6r<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:260.1321px;\">nationell lag och a<span class=\"__12 _768\"/>vg\u00e5ngsvillkor<span class=\"__12 _a_11\"/>, s\u00e5vida<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:249.08472px;\">inte kriterierna f<span class=\"__12 _768\"/>\u00f6r en s\u00e5 kallad \u201d<span class=\"__12 _a_11\"/>good<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:238.03732px;\">leav<span class=\"__12 _768\"/>er<span class=\"__12 _b_11\"/>\u201d uppfylls.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:293.28342px;\">Aktier som \u00e4nnu in<span class=\"__12 _768\"/>te intj\u00e4na<span class=\"__12 _768\"/>ts \u00f6verl\u00e5ts in<span class=\"__12 _768\"/>te<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:282.23602px;\">om anst\u00e4llningen a<span class=\"__12 _768\"/>vslutas f\u00f6r<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:271.18863px;\">\u00f6verl\u00e5t<span class=\"__12 _768\"/>elsedagen, dock med f\u00f6rbeh\u00e5ll f<span class=\"__12 _768\"/>\u00f6r<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:260.1412px;\">nationell lag och a<span class=\"__12 _768\"/>vg\u00e5ngsvillkor<span class=\"__12 _a_11\"/>, s\u00e5vida<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:249.09381px;\">inte kriterierna f<span class=\"__12 _768\"/>\u00f6r en s\u00e5 kallad \u201d<span class=\"__12 _a_11\"/>good<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:238.04642px;\">leav<span class=\"__12 _768\"/>er<span class=\"__12 _b_11\"/>\u201d uppfylls.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:293.2925px;\">Aktier som \u00e4nnu in<span class=\"__12 _768\"/>te intj\u00e4na<span class=\"__12 _768\"/>ts \u00f6verl\u00e5ts in<span class=\"__12 _768\"/>te<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:282.24512px;\">om anst\u00e4llningen a<span class=\"__12 _768\"/>vslutas f\u00f6r<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:271.19772px;\">\u00f6verl\u00e5t<span class=\"__12 _768\"/>elsedagen, dock med f\u00f6rbeh\u00e5ll f<span class=\"__12 _768\"/>\u00f6r<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:260.15033px;\">nationell lag och a<span class=\"__12 _768\"/>vg\u00e5ngsvillkor<span class=\"__12 _a_11\"/>, s\u00e5vida<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:249.1029px;\">inte kriterierna f<span class=\"__12 _768\"/>\u00f6r en s\u00e5 kallad \u201d<span class=\"__12 _a_11\"/>good<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:238.05551px;\">leav<span class=\"__12 _768\"/>er<span class=\"__12 _b_11\"/>\u201d uppfylls.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:219.43692px;\">F\u00f6rhands-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:208.38951px;\">justering<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:219.43692px;\">Om Nordeas \ufb01nansiella st\u00e4llning skull<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:208.38951px;\">f\u00f6rs\u00e4mras eller om delt<span class=\"__12 _768\"/>agaren bryter mot<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:197.34212px;\">interna rik<span class=\"__12 _768\"/>tlinjer kan tilldelningen s\u00e4nkas<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:186.29472px;\">eller upph\u00e4v<span class=\"__12 _768\"/>as.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:219.44601px;\">Om Nordeas \ufb01nansiella st\u00e4llning skull<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:208.39862px;\">f\u00f6rs\u00e4mras eller om delt<span class=\"__12 _768\"/>agaren bryter mot<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:197.35121px;\">interna rik<span class=\"__12 _768\"/>tlinjer kan tilldelningen s\u00e4nkas<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:186.30382px;\">eller upph\u00e4v<span class=\"__12 _768\"/>as.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:219.45512px;\">Om Nordeas \ufb01nansiella st\u00e4llning skull<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:208.40771px;\">f\u00f6rs\u00e4mras eller om delt<span class=\"__12 _768\"/>agaren bryter mot<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:197.36032px;\">interna rik<span class=\"__12 _768\"/>tlinjer kan tilldelningen s\u00e4nkas<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:186.31291px;\">eller upph\u00e4v<span class=\"__12 _768\"/>as.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:167.69432px;\">Efterhands-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:156.64691px;\">justering<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:167.69432px;\">\u00c5terkra<span class=\"__12 _768\"/>v kan till\u00e4mpas f\u00f6r liknande<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:156.64691px;\">situationer som efterhandsjust<span class=\"__12 _768\"/>eringar<span class=\"__12 _768\"/>.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:167.69432px;\">\u00c5terkra<span class=\"__12 _768\"/>v kan till\u00e4mpas f\u00f6r liknande<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:263.10272px; bottom:156.64691px;\">situationer som efterhandsjust<span class=\"__12 _768\"/>eringar<span class=\"__12 _768\"/>.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:167.69432px;\">\u00c5terkra<span class=\"__12 _768\"/>v kan till\u00e4mpas f\u00f6r liknande<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:447.3504px; bottom:156.64691px;\">situationer som efterhandsjust<span class=\"__12 _768\"/>eringar<span class=\"__12 _768\"/>.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h1_12 ff1_12 fs0_12 fc0_12 sc0_12 ls9_11 wsd_11\" style=\"left:0.002374649px; bottom:2.1012287px;\">1<span class=\"__12 _b_11\"/>74<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h2_12 ff2_12 fs1_11 fc0_12 sc0_12 ls0_12 ws1_12\" style=\"left:44.310143px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h3_11 ff2_12 fs1_11 fc0_12 sc0_12 ls1_12 ws2_11\" style=\"left:48.511353px; bottom:1029.1447px;\">Inledning<span class=\"__12 _767\"> </span><span class=\"__12 _777\">Aff</span><span class=\"__12 _768\"/>\u00e4rsomr\u00e5den<span class=\"__12 _769\"/><span class=\"ws0_12\">V<span class=\"__12 _768\"/>\u00e5ra in<span class=\"__12 _768\"/>tressent<span class=\"__12 _768\"/>er<span class=\"__12 _770\"> </span><span class=\"ff1_12\">Finansiella rapporter<span class=\"__12 _771\"/><span class=\"ff2_12 ws2_11\">F\u00f6rvaltningsber<span class=\"__12 _768\"/>\u00e4ttelse<span class=\"__12 _772\"> </span>H\u00e5llbarhetsnoter<span class=\"__12 _773\"> </span>\u00d6vrigt<span class=\"__12 _774\"/><span class=\"ws0_12\">Strategisk r<span class=\"__12 _768\"/>apport<span class=\"__12 _777\"> </span></span></span></span></span></div><div class=\"t_12 m0_12 hd_11 ff4_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:986.27924px;\">K8.3  Aktierelaterade ers\u00e4ttningsprogram, forts.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h7_11 ff1_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:586.8325px;\">L<span class=\"__12 _be_5\"/>TIP 2020-<span class=\"__12 _768\"/>2022 \u2013 V<span class=\"__12 _768\"/>erkligt v\u00e4r<span class=\"__12 _768\"/>de p\u00e5 tilldelningsdag och villkor<span class=\"__12 _768\"/>ade r\u00e4ttighet<span class=\"__12 _768\"/>er<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:570.29846px;\">V<span class=\"__12 _768\"/>erkligt v\u00e4rde p\u00e5 tilldelningsdag<span class=\"__12 _d0_4\"> </span>Intj\u00e4nandedag<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:263.7599px; bottom:554.1291px;\">K<span class=\"__12 _768\"/>v2 2023<span class=\"__12 _d1_4\"> </span>K<span class=\"__12 _768\"/>v2 2024<span class=\"__12 _d1_4\"> </span>K<span class=\"__12 _768\"/>v2 2025<span class=\"__12 _d1_4\"> </span>K<span class=\"__12 _768\"/>v2 2026<span class=\"__12 _867\"> </span>K<span class=\"__12 _768\"/>v2 2027<span class=\"__12 _6e_4\"> </span>Kv2 2028<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:537.72424px;\">H\u00f6gsta ant<span class=\"__12 _768\"/>alet aktier<span class=\"__12 _d2_4\"> </span>260 000<span class=\"__12 _6d_4\"> </span>78 000<span class=\"__12 _8e_4\"> </span>78 000<span class=\"__12 _6d_4\"> </span>78 000<span class=\"__12 _8e_4\"> </span>78 000<span class=\"__12 _6d_4\"> </span>78 000<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:522.054px;\">Intj\u00e4nadeperiod, \u00e5r<span class=\"__12 _d3_4\"> </span>3<span class=\"__12 _d4_5\"> </span>4<span class=\"__12 _d5_4\"> </span>5<span class=\"__12 _d4_5\"> </span>6<span class=\"__12 _d6_4\"> </span>7<span class=\"__12 _d4_5\"> </span>8<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:506.38385px;\">aTSR<span class=\"__12 _d7_4\"> </span>1,40<span class=\"__12 _824\"> </span>1,31<span class=\"__12 _827\"> </span><span class=\"ls8_11 wsc_11\">1,23<span class=\"__12 _c8_5\"> </span></span>1,<span class=\"__12 _768\"/>16<span class=\"__12 _5a_4\"> </span>1,09<span class=\"__12 _827\"> </span>1,02<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:490.71362px;\">rTSR<span class=\"__12 _d8_5\"> </span>1,83<span class=\"__12 _c8_5\"> </span>1,71<span class=\"__12 _824\"> </span>1,61<span class=\"__12 _c8_5\"> </span>1,51<span class=\"__12 _827\"> </span>1,41<span class=\"__12 _827\"> </span>1,33<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:475.04343px;\">EPS<span class=\"__12 _d9_4\"> </span><span class=\"ls9_11 wsd_11\">4<span class=\"__12 _b_11\"/>,<span class=\"__12 _b_11\"/>74<span class=\"__12 _5a_4\"> </span></span>4,46<span class=\"__12 _827\"> </span>4,<span class=\"__12 _a_11\"/>19<span class=\"__12 _5a_4\"> </span>3,94<span class=\"__12 _818\"> </span>3,70<span class=\"__12 _854\"> </span>3,48<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:445.76276px;\">Villkorade r\u00e4<span class=\"__12 _768\"/>ttigheter<span class=\"__12 _780\"> </span>aTSR<span class=\"__12 _da_4\"> </span>rTSR<span class=\"__12 _db_4\"> </span>EPS<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:279.27487px; bottom:429.59335px;\">2022<span class=\"__12 _5a_4\"> </span>2021<span class=\"__12 _5a_4\"> </span>2022<span class=\"__12 _5a_4\"> </span>2021<span class=\"__12 _5a_4\"> </span>2022<span class=\"__12 _5a_4\"> </span>2021<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:413.18854px;\">Utest\u00e5ende vid \u00e5rets b\u00f6rjan<span class=\"__12 _b1_4\"> </span>216 667<span class=\"__12 _839\"> </span>216 667<span class=\"__12 _843\"> </span>216 667<span class=\"__12 _a7_5\"> </span>216 667<span class=\"__12 _843\"> </span>216 667<span class=\"__12 _a7_5\"> </span>216 667<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:397.51834px;\">Tilldelade<span class=\"__12 _dc_4\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:381.8481px;\">F\u00f6rverkade<span class=\"__12 _1e_8\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:366.17792px;\">Utest\u00e5ende vid \u00e5rets sl<span class=\"__12 _768\"/>ut<span class=\"__12 _de_4\"> </span>216 667<span class=\"__12 _839\"> </span>216 667<span class=\"__12 _df_4\"> </span>216 667<span class=\"__12 _839\"> </span>216 667<span class=\"__12 _df_4\"> </span>216 667<span class=\"__12 _839\"> </span>216 667<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h7_11 ff1_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:326.04678px;\">L<span class=\"__12 _be_5\"/>TIP 2021<span class=\"__12 _768\"/>-2023 \u2013 V<span class=\"__12 _a_11\"/>erkligt v\u00e4rde p\u00e5 tilldelningsdag och villkorade r<span class=\"__12 _768\"/>\u00e4ttigheter<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:309.51276px;\">V<span class=\"__12 _768\"/>erkligt v\u00e4rde p\u00e5 tilldelningsdag<span class=\"__12 _d0_4\"> </span>Intj\u00e4nandedag<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:263.7599px; bottom:293.34335px;\">K<span class=\"__12 _768\"/>v2 2024<span class=\"__12 _d1_4\"> </span>K<span class=\"__12 _768\"/>v2 2025<span class=\"__12 _d1_4\"> </span>K<span class=\"__12 _768\"/>v2 2026<span class=\"__12 _867\"> </span>K<span class=\"__12 _768\"/>v2 2027<span class=\"__12 _6e_4\"> </span>Kv2 2028<span class=\"__12 _6e_4\"> </span>Kv2 2029<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:276.93866px;\">H\u00f6gsta ant<span class=\"__12 _768\"/>alet aktier<span class=\"__12 _d2_4\"> </span>559 000<span class=\"__12 _df_4\"> </span>167 700<span class=\"__12 _839\"> </span>167 700<span class=\"__12 _839\"> </span>167 700<span class=\"__12 _df_4\"> </span>167 700<span class=\"__12 _839\"> </span>167 700<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:261.26846px;\">Intj\u00e4nandeperiod, \u00e5r<span class=\"__12 _e0_4\"> </span>3<span class=\"__12 _d4_5\"> </span>4<span class=\"__12 _d5_4\"> </span>5<span class=\"__12 _d4_5\"> </span>6<span class=\"__12 _d6_4\"> </span>7<span class=\"__12 _d4_5\"> </span>8<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:245.59824px;\">aTSR<span class=\"__12 _e1_4\"> </span>2,90<span class=\"__12 _827\"> </span><span class=\"ls3_11 ws3_11\">2,7<span class=\"__12 _b_11\"/>7<span class=\"__12 _5a_4\"> </span></span>2,64<span class=\"__12 _5d_4\"> </span>2,52<span class=\"__12 _827\"> </span>2,41<span class=\"__12 _5a_4\"> </span>2,30<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:229.92804px;\">rTSR<span class=\"__12 _8f_4\"> </span>2,38<span class=\"__12 _5d_4\"> </span>2,27<span class=\"__12 _824\"> </span>2,<span class=\"__12 _a_11\"/>16<span class=\"__12 _5a_4\"> </span>2,06<span class=\"__12 _827\"> </span>1,97<span class=\"__12 _818\"> </span>1,88<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:214.25784px;\">EPS<span class=\"__12 _6a_4\"> </span>6,45<span class=\"__12 _827\"> </span>6,<span class=\"__12 _768\"/>16<span class=\"__12 _854\"> </span>5,89<span class=\"__12 _818\"> </span>5,62<span class=\"__12 _5d_4\"> </span>5,37<span class=\"__12 _824\"> </span>5,<span class=\"__12 _768\"/>13<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:184.97704px;\">Villkorade r\u00e4<span class=\"__12 _768\"/>ttigheter<span class=\"__12 _780\"> </span>aTSR<span class=\"__12 _da_4\"> </span>rTSR<span class=\"__12 _db_4\"> </span>EPS<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:279.27487px; bottom:168.80763px;\">2022<span class=\"__12 _5a_4\"> </span>2021<span class=\"__12 _5a_4\"> </span>2022<span class=\"__12 _5a_4\"> </span>2021<span class=\"__12 _5a_4\"> </span>2022<span class=\"__12 _5a_4\"> </span>2021<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:152.4028px;\">Utest\u00e5ende vid \u00e5rets b\u00f6rjan<span class=\"__12 _e2_4\"> </span>488 333<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _867\"> </span>488 333<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _d1_4\"> </span>488 333<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:136.7326px;\">Tilldelade<span class=\"__12 _dc_4\"> </span>\u2013<span class=\"__12 _d1_4\"> </span>4<span class=\"__12 _b_11\"/>88 333<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _d1_4\"> </span>488 333<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _867\"> </span>488 333<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:121.06241px;\">F\u00f6rverkade<span class=\"__12 _e3_4\"> </span>22 500<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _4b_4\"> </span>22 500<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _2a_6\"> </span>22 500<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:105.39221px;\">Utest\u00e5ende vid \u00e5rets sl<span class=\"__12 _768\"/>ut<span class=\"__12 _e4_4\"> </span>465 833<span class=\"__12 _d1_4\"> </span>4<span class=\"__12 _b_11\"/>88 333<span class=\"__12 _867\"> </span>465 833<span class=\"__12 _d1_4\"> </span>488 333<span class=\"__12 _867\"> </span>465 833<span class=\"__12 _867\"> </span>488 333<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 he_11 ff2_12 fs4_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:951.164px;\">Allm\u00e4nna villkor f<span class=\"__12 _768\"/>\u00f6r L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:937.63495px;\">Villkoren f<span class=\"__12 _768\"/>\u00f6r f<span class=\"__12 _768\"/>\u00f6rhands- och efterhandsjusteringar s<span class=\"__12 _768\"/>om n\u00e4mns<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:924.10974px;\">i \u00f6versik<span class=\"__12 _768\"/>ten p\u00e5 f<span class=\"__12 _768\"/>\u00f6reg\u00e5ende sida anses in<span class=\"__12 _768\"/>te ha n\u00e5gon inv<span class=\"__12 _768\"/>erkan<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:910.58453px;\">p\u00e5 v\u00e4rderingen a<span class=\"__12 _768\"/>v tilldelade r\u00e4<span class=\"__12 _768\"/>ttigheter eller vilket da<span class=\"__12 _768\"/>tum<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:897.0593px;\">dessa tilldelas, eftersom sannolikheten \u00e4r l\u00e5g och sam<span class=\"__12 _768\"/>tliga<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:883.5341px;\">deltagare r<span class=\"__12 _768\"/>edan fr\u00e5n b\u00f6rjan \u00e4r medv<span class=\"__12 _768\"/>etna om dessa villkor<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:853.45526px;\">Allm\u00e4nna villkor<span class=\"__12 _a6_5\"> </span>L<span class=\"__12 _a_11\"/>TIP 2020-2022<span class=\"__12 _e5_4\"> </span>L<span class=\"__12 _a_11\"/>TIP 2021-<span class=\"__12 _768\"/>2023<span class=\"__12 _e6_4\"> </span>L<span class=\"__12 _a_11\"/>TIP 2022-202<span class=\"__12 _768\"/>4<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:836.31213px;\">Stamaktier per<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:825.2647px;\">r\u00e4ttighet<span class=\"__12 _e7_4\"> </span>1,0<span class=\"__12 _824\"> </span>1,0<span class=\"__12 _824\"> </span>1,0<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:808.12036px;\">Tilldelningsdag<span class=\"__12 _6d_4\"> </span>11 juni 2020<span class=\"__12 _e8_5\"> </span>31 mars 2021<span class=\"__12 _817\"> </span>31 mars 2022<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:790.97595px;\">Intj\u00e4nandeperiod<span class=\"__12 _854\"> </span>3\u20138  \u00e5r<span class=\"__12 _846\"> </span>3\u20138 \u00e5r<span class=\"__12 _846\"> </span>3\u20138 \u00e5r<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:773.83154px;\">V<span class=\"__12 _768\"/>atalets l\u00f6p<span class=\"__12 _768\"/>tid<span class=\"__12 _e9_5\"> </span>8 \u00e5r<span class=\"__12 _825\"> </span>8 \u00e5r<span class=\"__12 _822\"> </span>8 \u00e5r<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:756.68713px;\">\u00c5tkomst till f<span class=\"__12 _768\"/>\u00f6rsta<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:745.6397px;\">delen<span class=\"__12 _ea_5\"> </span>Kv2 202<span class=\"__12 _768\"/>4<span class=\"__12 _781\"> </span>K<span class=\"__12 _768\"/>v2 2025<span class=\"__12 _781\"> </span>K<span class=\"__12 _768\"/>v2 2026<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 he_11 ff2_12 fs4_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:951.164px;\">Allm\u00e4nna villkor f<span class=\"__12 _768\"/>\u00f6r ber\u00e4kning a<span class=\"__12 _768\"/>v<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 he_11 ff2_12 fs4_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:937.6388px;\">v\u00e4rdet p\u00e5 tilldelningsdagen<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:924.1057px;\">Det verkliga v\u00e4r<span class=\"__12 _768\"/>det p\u00e5 r\u00e4ttighet<span class=\"__12 _768\"/>erna ber\u00e4knas med hj\u00e4lp a<span class=\"__12 _768\"/>v<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:910.5805px;\">Monte Carlo-simulering (rTSR och aT<span class=\"__12 _768\"/>SR) och en Black &amp;<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:897.0553px;\">Scholes-formel (EPS) d\u00e4r f<span class=\"__12 _768\"/>\u00f6ljande parametr<span class=\"__12 _768\"/>ar anv\u00e4nds:<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:370.06766px; bottom:866.9845px;\">Allm\u00e4nna villkor<span class=\"__12 _a6_5\"> </span>L<span class=\"__12 _a_11\"/>TIP 2020-2022<span class=\"__12 _e5_4\"> </span>L<span class=\"__12 _a_11\"/>TIP 2021-<span class=\"__12 _768\"/>2023<span class=\"__12 _e6_4\"> </span>L<span class=\"__12 _a_11\"/>TIP 2022-202<span class=\"__12 _768\"/>4<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:370.06766px; bottom:849.8414px;\">Viktad genomsnittlig<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:370.06766px; bottom:838.79395px;\">aktiekurs p\u00e5<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:370.06766px; bottom:827.7466px;\">tilldelningsdagen,<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:370.06766px; bottom:816.69916px;\">euro<span class=\"__12 _eb_4\"> </span>6,41<span class=\"__12 _819\"> </span>8<span class=\"__12 _b_11\"/>,41<span class=\"__12 _835\"> </span>9,38<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:370.06766px; bottom:799.55475px;\">L\u00f6senkurs, euro<span class=\"__12 _ec_4\"> </span>\u2013<span class=\"__12 _7e_4\"> </span>\u2013<span class=\"__12 _7e_4\"> </span>\u2013<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:370.06766px; bottom:782.41034px;\">F\u00f6rv\u00e4n<span class=\"__12 _768\"/>tad volatilitet<span class=\"__12 _2a_6\"> </span>29,<span class=\"__12 _a_11\"/><span class=\"__12 _777\">1 %1</span><span class=\"__12 _867\"> </span><span class=\"__12 _777\">31,3 %2</span><span class=\"__12 _6e_4\"> </span><span class=\"__12 _777\">33,3 %2<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:370.06766px; bottom:765.266px;\">Intj\u00e4nandeperiod<span class=\"__12 _835\"> </span>Se ovan<span class=\"__12 _3f_6\"> </span>Se ovan<span class=\"__12 _1d_8\"> </span>Se ovan<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:370.06766px; bottom:748.1216px;\">F\u00f6rv\u00e4n<span class=\"__12 _768\"/>tad utdelning<span class=\"__12 _837\"> </span>6,2 %<span class=\"__12 _829\"> </span>6,6 %<span class=\"__12 _829\"> </span>4,2 %<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:370.06766px; bottom:730.9772px;\">Riskfri r\u00e4n<span class=\"__12 _768\"/>ta<span class=\"__12 _790\"> </span>0,0 %<span class=\"__12 _821\"> </span>0,0 %<span class=\"__12 _839\"> </span>0,<span class=\"__12 _b_11\"/>28 %<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hb_11 ff2_12 fs6_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:706.8485px;\">1) Den f\u00f6rv\u00e4ntade v<span class=\"__12 _768\"/>olatiliteten grundas p\u00e5 Nordeaak<span class=\"__12 _768\"/>tiens historiska, dagliga k<span class=\"__12 _768\"/>ursvolatilitet<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 hb_11 ff2_12 fs6_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:374.12234px; bottom:698.01166px;\"><span class=\"__12 _777\">under en tre\u00e5rsperiod, som uppgick till 33,9 procent. Denna siffra har jus</span><span class=\"__12 _768\"/>terats f<span class=\"__12 _768\"/>\u00f6r<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 hb_11 ff2_12 fs6_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:374.12234px; bottom:689.17474px;\">eng\u00e5ngsh\u00e4ndelser (covid-19) s<span class=\"__12 _768\"/>om inte f<span class=\"__12 _768\"/>\u00f6rv\u00e4ntas intr<span class=\"__12 _768\"/><span class=\"__12 _777\">\u00e4ffa igen. Det inneb\u00e4r a</span><span class=\"__12 _768\"/>tt den f\u00f6r</div><div class=\"t_12 m0_12 hb_11 ff2_12 fs6_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:659.90564px; bottom:689.1685px;\">-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hb_11 ff2_12 fs6_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:374.12234px; bottom:680.3287px;\">v\u00e4ntade v<span class=\"__12 _768\"/>olatiliteten grundar sig p\u00e5 bolagets historisk<span class=\"__12 _768\"/>a kursvolatilitet f<span class=\"__12 _768\"/>\u00f6re mars 2020<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 hb_11 ff2_12 fs6_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:374.12234px; bottom:671.49176px;\">och Nordea har exkluder<span class=\"__12 _768\"/>at perioden med st\u00f6rst k<span class=\"__12 _768\"/>ursvolatilitet fr<span class=\"__12 _768\"/>\u00e5n ber\u00e4kningen av f<span class=\"__12 _768\"/>\u00f6r<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hb_11 ff2_12 fs6_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:663.2547px; bottom:671.48865px;\">-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hb_11 ff2_12 fs6_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:374.12234px; bottom:662.6485px;\">v\u00e4ntad v<span class=\"__12 _768\"/>olatilitet p\u00e5 tilldelningsdagen (det vill s\u00e4ga perioden 9 mars 2020 till 25 mars<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 hb_11 ff2_12 fs6_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:374.12234px; bottom:653.81165px;\">2020). Detta resulterar i en his<span class=\"__12 _768\"/>torisk kursvolatilit<span class=\"__12 _768\"/>et f\u00f6r ak<span class=\"__12 _768\"/>tien p\u00e5 29,<span class=\"__12 _768\"/>1 procen<span class=\"__12 _768\"/>t.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hb_11 ff2_12 fs6_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:642.2076px;\">2) Den f\u00f6rv\u00e4ntade v<span class=\"__12 _768\"/>olatiliteten grundas p\u00e5 Nordeaak<span class=\"__12 _768\"/>tiens historiska, dagliga k<span class=\"__12 _768\"/>ursvolatilitet<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 hb_11 ff2_12 fs6_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:374.12234px; bottom:633.3707px;\">under en tre\u00e5rsperiod.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h1_12 ff1_12 fs0_12 fc0_12 sc0_12 ls4_11 ws8_11\" style=\"left:656.0268px; bottom:2.1012287px;\">175<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h2_12 ff2_12 fs1_11 fc0_12 sc0_12 ls0_12 ws1_12\" style=\"left:497.5244px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h3_11 ff2_12 fs1_11 fc0_12 sc0_12 ls1_12 ws2_11\" style=\"left:4.2144775px; bottom:1029.1447px;\">Inledning<span class=\"__12 _767\"> </span><span class=\"__12 _777\">Aff</span><span class=\"__12 _768\"/>\u00e4rsomr\u00e5den<span class=\"__12 _769\"/><span class=\"ws0_12\">V<span class=\"__12 _768\"/>\u00e5ra in<span class=\"__12 _768\"/>tressent<span class=\"__12 _768\"/>er<span class=\"__12 _770\"> </span><span class=\"ff1_12\">Finansiella rapporter<span class=\"__12 _771\"/><span class=\"ff2_12 ws2_11\">F\u00f6rvaltningsber<span class=\"__12 _768\"/>\u00e4ttelse<span class=\"__12 _772\"> </span>H\u00e5llbarhetsnoter<span class=\"__12 _773\"> </span>\u00d6vrigt<span class=\"__12 _774\"/><span class=\"ws0_12\">Strategisk r<span class=\"__12 _768\"/>apport<span class=\"__12 _777\"> </span></span></span></span></span></div><div class=\"t_12 m0_12 hd_11 ff4_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:986.27924px;\">K8.3  Aktierelaterade ers\u00e4ttningsprogram, forts.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 he_11 ff2_12 fs4_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:700.58124px;\">L\u00e5ngsik<span class=\"__12 _768\"/>tiga incitamentspr<span class=\"__12 _768\"/>ogram som l\u00f6p<span class=\"__12 _768\"/>t ut \u2013 2012<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:687.05225px;\">L<span class=\"__12 _be_5\"/>TIP 2012 hade i maj 2015 kostnadsf<span class=\"__12 _768\"/>\u00f6rts i sin helhet. Samtliga<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:673.52704px;\">aktier enligt L<span class=\"__12 _be_5\"/>TIP 2012 \u00e4r f<span class=\"__12 _768\"/>ullt in<span class=\"__12 _768\"/>tj\u00e4nade och d\u00e4rmed inte vill<span class=\"__12 _768\"/>-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:660.00183px;\">korade. 60 proc<span class=\"__12 _768\"/>ent a<span class=\"__12 _768\"/>v de in<span class=\"__12 _768\"/>tj\u00e4nade aktierna om<span class=\"__12 _768\"/>f<span class=\"__12 _768\"/>attades a<span class=\"__12 _768\"/>v<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:646.4766px;\">uppskjutanderegler<span class=\"__12 _a_11\"/>, med m\u00f6jlighet till nedjustering av upp-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:632.9515px;\">skjuten ers\u00e4ttning i enlighet med g\u00e4llande f<span class=\"__12 _768\"/>\u00f6reskrifter<span class=\"__12 _a_11\"/>, och<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:619.4263px;\">tilldelades under en fem\u00e5rsperiod, med st<span class=\"__12 _768\"/>art i maj 2015. Inga<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws15_11\" style=\"left:0.013267517px; bottom:605.90106px;\">f\u00f6r<span class=\"__12 _768\"/>\u00e4ndringar har skett i det utes<span class=\"__12 _768\"/>t\u00e5ende saldot a<span class=\"__12 _768\"/>v ak<span class=\"__12 _768\"/>tier mellan<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:592.37585px;\">2021 och 2022. Det utest\u00e5ende saldo<span class=\"__12 _768\"/>t a<span class=\"__12 _768\"/>v aktier l\u00e5g kv<span class=\"__12 _768\"/>ar p\u00e5<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:578.85065px;\">2 203 matchningsak<span class=\"__12 _768\"/>tier<span class=\"__12 _a_11\"/>, 6 608 prestationsak<span class=\"__12 _768\"/>tier I och<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:565.32544px;\"><span class=\"__12 _777\">2 203 presta</span><span class=\"__12 _768\"/>tionsaktier II vid ut<span class=\"__12 _768\"/>g\u00e5ngen av 2022.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h6_11 ff1_12 fs4_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:538.232px;\">Aktier<span class=\"__12 _768\"/>elater<span class=\"__12 _768\"/>ade program f<span class=\"__12 _a_11\"/>\u00f6r r\u00f6rlig<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h6_11 ff1_12 fs4_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:524.70685px;\">ers\u00e4ttning \u2013 andra \u00e4n L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:511.17383px;\">Detta avsnitt be<span class=\"__12 _768\"/>skriver de ak<span class=\"__12 _768\"/>tierelater<span class=\"__12 _768\"/>ade progr<span class=\"__12 _768\"/>am f\u00f6r r<span class=\"__12 _768\"/>\u00f6rlig<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:497.64862px;\">ers\u00e4ttning d\u00e4r index<span class=\"__12 _768\"/>ering till Nordeaak<span class=\"__12 _768\"/>tiens to<span class=\"__12 _768\"/>talavk<span class=\"__12 _768\"/>astning<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:484.1234px;\">(kont<span class=\"__12 _768\"/>antregler<span class=\"__12 _768\"/>at progr<span class=\"__12 _768\"/>am fr<span class=\"__12 _768\"/>am till 2018) och ers\u00e4ttning i form<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:470.5982px;\">av ak<span class=\"__12 _768\"/>tier (eget kapit<span class=\"__12 _768\"/>al-regler<span class=\"__12 _768\"/>at progr<span class=\"__12 _768\"/>am fr\u00e5n 2019) an<span class=\"__12 _768\"/>v\u00e4nds<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:457.07303px;\">f\u00f6r uppskjutande/kv<span class=\"__12 _768\"/>arh\u00e5llande a<span class=\"__12 _768\"/>v ers\u00e4ttningen. F\u00f6r r<span class=\"__12 _768\"/>esulta<span class=\"__12 _768\"/>t-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:443.54782px;\">m\u00e4tnings\u00e5ret 2022, klassi\ufb01cer<span class=\"__12 _768\"/>as progr<span class=\"__12 _768\"/>ammen som: Nordea<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:430.0226px;\">incentiv<span class=\"__12 _768\"/>e programme (NIP), s<span class=\"__12 _768\"/>om skapades genom samman-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:416.4974px;\">slagning av e<span class=\"__12 _768\"/>x<span class=\"__12 _768\"/>ecutive incen<span class=\"__12 _768\"/>tive progr<span class=\"__12 _768\"/>amme (EIP), r\u00f6rlig l\u00f6ne-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:402.97223px;\">del (variable salary part<span class=\"__12 _b_11\"/>, VSP) och bonusprogram.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:12.908623px; bottom:389.44702px;\">Programmen \u00e4r \u00e5rliga planer med ett tj\u00e4ns<span class=\"__12 _768\"/>tg\u00f6ringsvillkor<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:375.9218px;\">f\u00f6r r<span class=\"__12 _768\"/>espektiv<span class=\"__12 _768\"/>e \u00e5r<span class=\"__12 _a_11\"/>, och de kostnadsf\u00f6rs alla i sin helhet under<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:362.3966px;\">det \u00e5r de intj\u00e4nas (<span class=\"__12 _768\"/>ett\u00e5rig intj\u00e4nandeperiod). De individuella<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:348.87143px;\">tilldelningarna g\u00f6rs i b\u00f6rjan av det efterf<span class=\"__12 _768\"/>\u00f6ljande \u00e5ret.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:12.908623px; bottom:335.34622px;\">Nordea inf<span class=\"__12 _768\"/>\u00f6rde NIP<span class=\"__12 _768\"/> 2022 som en vidareutv<span class=\"__12 _768\"/>eckling a<span class=\"__12 _768\"/>v EIP<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:321.821px;\">och VSP<span class=\"__12 _a_11\"/>. Syftet med NIP \u00e4r a<span class=\"__12 _768\"/>tt st\u00e4rka Nordeas m\u00f6jlighet<span class=\"__12 _768\"/>er att<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:308.2958px;\">rekrytera, motiv<span class=\"__12 _768\"/>era och beh\u00e5lla konc<span class=\"__12 _768\"/>ernledning, seniora<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:294.77063px;\">befa<span class=\"__12 _768\"/>ttningshav<span class=\"__12 _768\"/>are sam<span class=\"__12 _768\"/>t utvalda ledare och specialis<span class=\"__12 _768\"/>ter<span class=\"__12 _a_11\"/>, och<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:281.24542px;\">att bel\u00f6na goda pres<span class=\"__12 _768\"/>tationer och insa<span class=\"__12 _768\"/>tser<span class=\"__12 _a_11\"/>. NIP 2022 ska bel\u00f6-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:267.7202px;\">na uppfyllelsen a<span class=\"__12 _768\"/>v i f\u00f6rv\u00e4g \u00f6<span class=\"__12 _768\"/>verensk<span class=\"__12 _768\"/>omna m\u00e5l p\u00e5 koncern-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:254.195px;\"><span class=\"__12 _777\">niv\u00e5, aff</span><span class=\"__12 _768\"/>\u00e4rsenhetsniv\u00e5 och individuell niv\u00e5. Hur r<span class=\"__12 _768\"/>esulta<span class=\"__12 _768\"/>tet<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:240.66983px;\">p\u00e5v<span class=\"__12 _768\"/>erkas p\u00e5 l\u00e5ng sikt sk<span class=\"__12 _768\"/>a beaktas n\u00e4r m\u00e5len besl<span class=\"__12 _768\"/>utas. <span class=\"__12 _768\"/>Tilldel-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:227.14462px;\">ningen fr\u00e5n NIP<span class=\"__12 _768\"/> ska in<span class=\"__12 _768\"/>te \u00f6v<span class=\"__12 _768\"/>erstiga den fas<span class=\"__12 _768\"/>ta l\u00f6nen och ers\u00e4tt-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:213.61942px;\">ningen omf<span class=\"__12 _768\"/>attas a<span class=\"__12 _768\"/>v en uppskjutandeperiod f<span class=\"__12 _768\"/>\u00f6r materiella<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:200.09422px;\">risktagar<span class=\"__12 _768\"/>e. Dessutom till\u00e4mpas f<span class=\"__12 _768\"/>\u00f6rhands- och efterhandsjus-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:186.56902px;\">teringsregler och f<span class=\"__12 _768\"/>\u00f6rfogander<span class=\"__12 _768\"/>estrik<span class=\"__12 _768\"/>tioner i enlighet med g\u00e4l-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:173.04382px;\">lande f\u00f6r<span class=\"__12 _768\"/>eskrifter<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:12.908623px; bottom:159.51862px;\">Bonusprogram erbj\u00f6ds under 2022 enbart till utvalda grup-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:145.99342px;\">per av medarbetar<span class=\"__12 _768\"/><span class=\"__12 _777\">e inom speci\ufb01ka aff</span><span class=\"__12 _768\"/>\u00e4rsomr\u00e5den eller enhe-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:132.46822px;\">ter efter godk\u00e4nnande a<span class=\"__12 _768\"/>v styr<span class=\"__12 _768\"/>elsen, till ex<span class=\"__12 _768\"/>empel inom Lar<span class=\"__12 _768\"/>ge<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:118.94302px;\">Corporat<span class=\"__12 _768\"/>es &amp; Institutions, Nordea<span class=\"ws16_11\"> Asset Management, </span>Nordea<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:105.417816px;\">Funds och inom <span class=\"__12 _a_11\"/>T<span class=\"__12 _a_11\"/>reasury i Group Finance. Syftet \u00e4r att s\u00e4ker-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:91.89262px;\">st\u00e4lla en st<span class=\"__12 _768\"/>ark presta<span class=\"__12 _768\"/>tion och uppr\u00e4<span class=\"__12 _768\"/>tth\u00e5lla kostnadsfle<span class=\"__12 _768\"/>xibilitet<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h7_11 ff1_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:951.77045px;\">L<span class=\"__12 _be_5\"/>TIP 2022-<span class=\"__12 _768\"/>2024 \u2013 V<span class=\"__12 _a_11\"/>erkligt v\u00e4rde p\u00e5 tilldelningsdag och villkor<span class=\"__12 _768\"/>ade r\u00e4ttighet<span class=\"__12 _768\"/>er<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:935.1175px;\">V<span class=\"__12 _768\"/>erkligt v\u00e4rde p\u00e5 tilldelningsdag<span class=\"__12 _d0_4\"> </span>Intj\u00e4nandedag<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:219.46301px; bottom:918.94806px;\">K<span class=\"__12 _768\"/>v2 2025<span class=\"__12 _d1_4\"> </span>K<span class=\"__12 _768\"/>v2 2026<span class=\"__12 _867\"> </span>K<span class=\"__12 _768\"/>v2 2027<span class=\"__12 _6e_4\"> </span>Kv2 2028<span class=\"__12 _6e_4\"> </span>Kv2 2029<span class=\"__12 _6e_4\"> </span>K<span class=\"__12 _768\"/>v2 2030<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:902.5432px;\">H\u00f6gsta ant<span class=\"__12 _768\"/>alet av ak<span class=\"__12 _768\"/>tier<span class=\"__12 _794\"> </span>614 000<span class=\"__12 _867\"> </span>184 200<span class=\"__12 _783\"> </span>184 200<span class=\"__12 _783\"> </span>184 200<span class=\"__12 _783\"> </span>184 200<span class=\"__12 _867\"> </span>184 200<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:886.87305px;\">Intj\u00e4nandeperiod, \u00e5r<span class=\"__12 _e0_4\"> </span>3<span class=\"__12 _d4_5\"> </span>4<span class=\"__12 _d5_4\"> </span>5<span class=\"__12 _d4_5\"> </span>6<span class=\"__12 _d6_4\"> </span>7<span class=\"__12 _d4_5\"> </span>8<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:871.2028px;\">aTSR<span class=\"__12 _ed_4\"> </span>3,<span class=\"__12 _768\"/>11<span class=\"__12 _854\"> </span>2,98<span class=\"__12 _5a_4\"> </span>2,86<span class=\"__12 _827\"> </span><span class=\"ls9_11 wsd_11\">2<span class=\"__12 _b_11\"/>,<span class=\"__12 _b_11\"/>74<span class=\"__12 _5d_4\"> </span></span>2,62<span class=\"__12 _5d_4\"> </span>2,52<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:855.53265px;\">rTSR<span class=\"__12 _8f_4\"> </span>2,58<span class=\"__12 _818\"> </span>2,47<span class=\"__12 _5d_4\"> </span>2,37<span class=\"__12 _827\"> </span>2,27<span class=\"__12 _c8_5\"> </span><span class=\"lsf_10 ws17_10\">2<span class=\"__12 _b_11\"/>,1<span class=\"__12 _b_11\"/>7<span class=\"__12 _818\"> </span></span>2,08<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:839.8624px;\">EPS<span class=\"__12 _7c_4\"> </span><span class=\"ls8_11 wsc_11\">7<span class=\"__12 _a_11\"/>,23<span class=\"__12 _854\"> </span><span class=\"ls0_12 ws0_12\">6,93<span class=\"__12 _5a_4\"> </span>6,65<span class=\"__12 _854\"> </span>6,38<span class=\"__12 _824\"> </span>6,<span class=\"__12 _a_11\"/>12<span class=\"__12 _818\"> </span>5.87<span class=\"__12 _777\"> </span></span></span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:810.25665px;\">Villkorade r\u00e4<span class=\"__12 _768\"/>ttigheter<span class=\"__12 _bc_4\"> </span>aTSR<span class=\"__12 _7b_4\"> </span>rTSR<span class=\"__12 _5d_4\"> </span>EPS<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:234.978px; bottom:794.0872px;\">2022<span class=\"__12 _854\"> </span>2022<span class=\"__12 _5a_4\"> </span>2022<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:777.6824px;\">Tilldelade<span class=\"__12 _ee_5\"> </span>511 667<span class=\"__12 _846\"> </span>511 667<span class=\"__12 _846\"> </span>511 667<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:762.0122px;\">F\u00f6rverkade<span class=\"__12 _1e_8\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:746.342px;\">Utst\u00e5ende vid \u00e5rets slut<span class=\"__12 _b6_5\"> </span>511 667<span class=\"__12 _846\"> </span>511 667<span class=\"__12 _846\"> </span>511 667<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:700.4546px;\">f\u00f6r Nor<span class=\"__12 _768\"/>dea. Individuell tilldelning fas<span class=\"__12 _768\"/>tst\u00e4lls utifr<span class=\"__12 _768\"/>\u00e5n detaljerade<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:686.9294px;\">presta<span class=\"__12 _768\"/>tionsbed\u00f6mningar som omf<span class=\"__12 _768\"/>att<span class=\"__12 _768\"/>ar en rad \ufb01nansiella och<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:673.4042px;\">icke-\ufb01nansiella m\u00e5l. Tilldelning f<span class=\"__12 _768\"/>r\u00e5n bonusprogr<span class=\"__12 _768\"/>am f<span class=\"__12 _768\"/>\u00f6r 2021<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:659.879px;\">betalades kon<span class=\"__12 _768\"/>tant. F\u00f6r ma<span class=\"__12 _768\"/>teriella risk<span class=\"__12 _768\"/>tagare g\u00f6rs tilldelningen<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:646.3538px;\">till viss del i aktier<span class=\"__12 _a_11\"/>, med efterf\u00f6ljande kvarh\u00e5llandeperiod.<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:632.8286px;\">Delar av tilldelningen f<span class=\"__12 _768\"/>\u00f6r mat<span class=\"__12 _768\"/>eriella risktagar<span class=\"__12 _768\"/>e omf<span class=\"__12 _768\"/>attas a<span class=\"__12 _a_11\"/>v en<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:619.3034px;\">uppskjutandeperiod om fyra till f<span class=\"__12 _768\"/>em \u00e5r<span class=\"__12 _a_11\"/>, med j\u00e4mn f\u00f6rdelning<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:605.7782px;\">av utbetalningarna och till\u00e4mpning a<span class=\"__12 _a_11\"/>v villkor f\u00f6r f\u00f6rverkande<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:592.253px;\">(justering a<span class=\"__12 _768\"/>v uppskjuten ers\u00e4ttning) under perioden.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:333.50226px; bottom:578.7278px;\">T<span class=\"__12 _a_11\"/>abellerna nedan visar uppskjuten ers\u00e4ttning fr<span class=\"__12 _768\"/>\u00e5n NIP<span class=\"__12 _a_11\"/>, EIP<span class=\"__12 _a_11\"/>,<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:565.2026px;\">r\u00f6rlig l\u00f6nedel och bonusprogr<span class=\"__12 _768\"/>am som \u00e4nnu int<span class=\"__12 _768\"/>e hade betalats<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:551.67737px;\">till deltagarna den 31 december 2022. H\u00e4r ing\u00e5r \u00e4<span class=\"__12 _768\"/>ven upp-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:538.1522px;\">skjuten ers\u00e4ttning fr<span class=\"__12 _768\"/>\u00e5n L<span class=\"__12 _be_5\"/>TV (erbj\u00f6ds 2018\u20132019) och uppskju-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:524.627px;\">ten ers\u00e4ttning fr<span class=\"__12 _768\"/>\u00e5n kompensation f<span class=\"__12 _768\"/>\u00f6r a<span class=\"__12 _768\"/>vtal i tidigare ans<span class=\"__12 _768\"/>t\u00e4ll-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:511.1018px;\">ningar (utk\u00f6p). S\u00e5dana a<span class=\"__12 _768\"/>vtal kan i undan<span class=\"__12 _768\"/>tagsf<span class=\"__12 _768\"/>all erbjudas i<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:497.5766px;\">samband med rekrytering och \u00e4r begr\u00e4nsade till det f<span class=\"__12 _768\"/>\u00f6rsta<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:484.0514px;\">anst\u00e4llnings\u00e5ret.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 he_11 ff2_12 fs4_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:456.9308px;\">Uppskjutna belopp avs<span class=\"__12 _768\"/>eende  aktier<span class=\"__12 _768\"/>elater<span class=\"__12 _768\"/>ad<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 he_11 ff2_12 fs4_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:443.4056px;\">ers\u00e4ttning (kon<span class=\"__12 _768\"/>tantr<span class=\"__12 _768\"/>eglerade) 201<span class=\"__12 _768\"/>4\u20132018<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:429.8726px;\">T<span class=\"__12 _a_11\"/>abellen nedan visar utest\u00e5ende sk<span class=\"__12 _768\"/>ulder f\u00f6r ak<span class=\"__12 _768\"/>tierela<span class=\"__12 _768\"/>terade<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:416.3474px;\">program med kon<span class=\"__12 _768\"/>tan<span class=\"__12 _768\"/>treglering som f<span class=\"__12 _768\"/>\u00f6rek<span class=\"__12 _768\"/>om 2014\u2013<span class=\"__12 _768\"/><span class=\"__12 _777\">2018:<span class=\"__12 _777\"> </span></span> </div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:386.28033px;\">Mn euro<span class=\"__12 _c_11\"> </span>2022<span class=\"__12 _d_11\"> </span>2021<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:369.13724px;\">Vid \u00e5rets b\u00f6rjan<span class=\"__12 _a9_5\"> </span><span class=\"ls3_11 ws3_11\">24<span class=\"__12 _a7_5\"> </span></span>32<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:351.99286px;\">Uppskjuten/intj\u00e4nad under \u00e5ret<span class=\"__12 _ef_4\"> </span>1<span class=\"__12 _821\"> </span>1<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:334.84845px;\">TSR-inde<span class=\"__12 _768\"/>xering under \u00e5r<span class=\"__12 _768\"/>et<span class=\"__12 _da_4\"> </span><span class=\"ls3_11 ws3_11\">-2<span class=\"__12 _a7_5\"> </span></span>16<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:317.70404px;\">Utbetalningar under \u00e5ret<span class=\"__12 _f0_5\"> </span><span class=\"ls4_11 ws8_11\">-16<span class=\"__12 _a0_4\"> </span><span class=\"ls3_11 ws3_11\">-2<span class=\"__12 _b_11\"/>5<span class=\"__12 _777\"> </span></span></span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:300.55966px;\"><span class=\"__12 _777\">Omr\u00e4kningsdiff</span><span class=\"__12 _768\"/>erenser<span class=\"__12 _f1_4\"> </span>0<span class=\"__12 _8e_4\"> </span>0<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:283.41525px;\">Vid \u00e5rets slut<span class=\"__12 _f2_4\"> </span>7<span class=\"__12 _867\"> </span><span class=\"ls3_11 ws3_11\">24<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:242.87527px;\">De utg\u00e5ende balanserna f<span class=\"__12 _768\"/>\u00f6rv\u00e4ntas r<span class=\"__12 _768\"/>egleras under f<span class=\"__12 _768\"/>\u00f6ljande \u00e5r:<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:226.34122px;\">Mn euro<span class=\"__12 _c_11\"> </span>2022<span class=\"__12 _d_11\"> </span>2021<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:209.19812px;\">2022<span class=\"__12 _f3_4\"> </span>\u2013<span class=\"__12 _df_4\"> </span><span class=\"ls4_11 ws8_11\">17<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:192.05373px;\">2023<span class=\"__12 _845\"> </span>3<span class=\"__12 _4b_4\"> </span>3<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:174.90932px;\">2024<span class=\"__12 _f3_4\"> </span>3<span class=\"__12 _2a_6\"> </span>3<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:157.76492px;\">2025<span class=\"__12 _830\"> </span>1<span class=\"__12 _829\"> </span>1<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:140.62051px;\">2026<span class=\"__12 _f3_4\"> </span>0<span class=\"__12 _8e_4\"> </span>0<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:123.47612px;\">2027<span class=\"__12 _f4_4\"> </span>0<span class=\"__12 _8e_4\"> </span>0<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:106.331726px;\">2028<span class=\"__12 _f3_4\"> </span>0<span class=\"__12 _6d_4\"> </span>\u2013<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:89.18732px;\">Summa<span class=\"__12 _f5_4\"> </span>7<span class=\"__12 _867\"> </span><span class=\"ls3_11 ws3_11\">24<span class=\"__12 _777\"> </span></span></div>176<span class=\"__12 _777\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__12 _777\"> </span>Inledning<span class=\"__12 _767\"> </span><span class=\"__12 _777\">Aff</span><span class=\"__12 _768\"/>\u00e4rsomr\u00e5den<span class=\"__12 _769\"/><span class=\"ws0_12\">V<span class=\"__12 _768\"/>\u00e5ra in<span class=\"__12 _768\"/>tressent<span class=\"__12 _768\"/>er<span class=\"__12 _770\"> </span><span class=\"ff1_12\">Finansiella rapporter<span class=\"__12 _771\"/><span class=\"ff2_12 ws2_11\">F\u00f6rvaltningsber<span class=\"__12 _768\"/>\u00e4ttelse<span class=\"__12 _772\"> </span>H\u00e5llbarhetsnoter<span class=\"__12 _773\"> </span>\u00d6vrigt<span class=\"__12 _774\"/><span class=\"ws0_12\">Strategisk r<span class=\"__12 _768\"/>apport<span class=\"__12 _777\"> </span></span></span></span></span>K8.3  Aktierelaterade ers\u00e4ttningsprogram, forts.<span class=\"__12 _777\"> </span>K8.4 <span class=\"__12 _787\"> </span> <span class=\"__12 _f6_4\"/>Ers\u00e4ttningar till n<span class=\"__12 _768\"/>yck<span class=\"__12 _768\"/>elpersoner i ledande positioner<span class=\"__12 _777\"> </span>Redovisningsprinciper<span class=\"__12 _777\"> </span>F\u00f6r in<span class=\"__12 _768\"/>f<span class=\"__12 _768\"/>ormation om redovisningsprinciperna, s<span class=\"__12 _768\"/>e not K8.<span class=\"__12 _a_11\"/>1 \u201dFas<span class=\"__12 _768\"/>t och r\u00f6rlig l\u00f6n\u201d<span class=\"__12 _a_11\"/>, not K8.2 \u201dPensioner<span class=\"__12 _b_11\"/>\u201d och not K8.3 \u201d<span class=\"__12 _be_5\"/>Aktierelate-<span class=\"__12 _777\"> </span>rade ers\u00e4ttningsprogr<span class=\"__12 _768\"/>am\u201d<span class=\"__12 _a_11\"/>. F\u00f6r de\ufb01nition a<span class=\"__12 _768\"/>v ny<span class=\"__12 _768\"/>ckelpersoner i ledande positioner<span class=\"__12 _a_11\"/>, se not K10.4 \u201dT<span class=\"__12 _a_11\"/>ransaktioner med n\u00e4rst\u00e5ende\u201d<span class=\"__12 _a_11\"/>. Styrelsearvode \u00c5rsst\u00e4mman 2022 fas<span class=\"__12 _768\"/>tst\u00e4llde s<span class=\"__12 _768\"/>tyrelsens \u00e5rsarvode enligt f\u00f6l<span class=\"__12 _768\"/>-<span class=\"__12 _777\"> </span>jande: ordf<span class=\"__12 _768\"/>\u00f6randen 340 000 euro<span class=\"__12 _768\"/>, vice ordf<span class=\"__12 _768\"/>\u00f6randen <span class=\"__12 _777\">160 000 euro och \u00f6vriga ledam\u00f6</span><span class=\"__12 _768\"/>ter 102 000 euro. D\u00e4rut\u00f6ver ut<span class=\"__12 _768\"/>g\u00e5r \u00e5rsarvode f\u00f6r arbete i s<span class=\"__12 _768\"/>tyrelsens drifts- och h\u00e5llbarhetskommitt\u00e9, revisionsk<span class=\"__12 _768\"/>ommitt\u00e9 och riskkommit-<span class=\"__12 _777\"> </span>t\u00e9 motsv<span class=\"__12 _768\"/>arande 65 000 euro f<span class=\"__12 _768\"/>\u00f6r kommitt\u00e9ernas or<span class=\"__12 _768\"/>df\u00f6r<span class=\"__12 _768\"/>ande och 32 500 euro f<span class=\"__12 _768\"/>\u00f6r \u00f6vriga ledam\u00f6ter<span class=\"__12 _a_11\"/>. \u00c5rsarvodet f<span class=\"__12 _768\"/>\u00f6r arbete i styrelsens ers\u00e4ttnings- och personalk<span class=\"__12 _768\"/>ommitt\u00e9 (board remu-<span class=\"__12 _777\"> </span>neration and people c<span class=\"__12 _768\"/>ommittee, BRPC) uppg\u00e5r till <span class=\"__12 _777\">48 000 euro f\u00f6r kommitt</span><span class=\"__12 _768\"/>\u00e9ns ordf<span class=\"__12 _768\"/>\u00f6rande och 28 000 euro f<span class=\"__12 _768\"/>\u00f6r \u00f6vriga ledam\u00f6ter<span class=\"__12 _a_11\"/>. Separat arvode betalas in<span class=\"__12 _768\"/>te till styr<span class=\"__12 _768\"/>elseledam\u00f6t<span class=\"__12 _768\"/>er som \u00e4r anst\u00e4llda i Nordeak<span class=\"__12 _768\"/>oncernen. Nordea betalar eller ers\u00e4tter s<span class=\"__12 _768\"/>tyrelseledam\u00f6<span class=\"__12 _768\"/>terna f\u00f6r alla kostnader eller utgift<span class=\"__12 _768\"/>er som a<span class=\"__12 _768\"/>vser styrels<span class=\"__12 _768\"/>euppdraget. Ev<span class=\"__12 _768\"/>entu-<span class=\"__12 _777\"> </span>ella f\u00f6rm\u00e5ner har medr<span class=\"__12 _768\"/>\u00e4knats till det skatt<span class=\"__12 _768\"/>epliktiga v<span class=\"__12 _768\"/>\u00e4rdet. Per den 31 december 2022 f<span class=\"__12 _768\"/>\u00f6rel\u00e5g inga \u00e5<span class=\"__12 _768\"/>taganden om av<span class=\"__12 _768\"/>g\u00e5ngsvederlag, pension eller annan ers\u00e4ttning till styrelseledam\u00f6<span class=\"__12 _768\"/>terna.<span class=\"__12 _777\"> </span>Ingen styrelseledamo<span class=\"__12 _768\"/>t har r\u00f6rlig ers\u00e4ttning, och arbetst<span class=\"__12 _768\"/>a-<span class=\"__12 _777\"> </span>garrepresen<span class=\"__12 _768\"/>tan<span class=\"__12 _768\"/>ter omf<span class=\"__12 _768\"/>att<span class=\"__12 _768\"/>as inte a<span class=\"__12 _768\"/>v tabellen nedan.<span class=\"__12 _777\"> </span>Uppskjutna belopp avs<span class=\"__12 _768\"/>eende aktier<span class=\"__12 _768\"/>elater<span class=\"__12 _768\"/>ade program<span class=\"__12 _777\"> </span> (reglerade med eget kapit<span class=\"__12 _768\"/>al-instrumen<span class=\"__12 _768\"/>t) 2019\u2013<span class=\"__12 _768\"/>2021<span class=\"__12 _777\"> </span> Fr<span class=\"__12 _768\"/>\u00e5n och med 2019 regleras ak<span class=\"__12 _768\"/>tierela<span class=\"__12 _768\"/>terade pr<span class=\"__12 _768\"/>ogram f<span class=\"__12 _768\"/>\u00f6r r\u00f6rlig<span class=\"__12 _777\"> </span> ers\u00e4ttning delvis kon<span class=\"__12 _768\"/>tan<span class=\"__12 _768\"/>t och delvis med Nordeaak<span class=\"__12 _768\"/>tier<span class=\"__12 _a_11\"/>, vilket<span class=\"__12 _777\"> </span> inneb\u00e4r att den del som betalas i Nordeaak<span class=\"__12 _768\"/>tier \u00e4r ett ak<span class=\"__12 _768\"/>tiere-<span class=\"__12 _777\"> </span>later<span class=\"__12 _768\"/>at progr<span class=\"__12 _768\"/>am som regleras med eget k<span class=\"__12 _768\"/>apital-instrumen<span class=\"__12 _768\"/>t.<span class=\"__12 _777\"> </span> Tilldelningen av ak<span class=\"__12 _768\"/>tier enligt progr<span class=\"__12 _768\"/>ammen f\u00f6r 2022 k<span class=\"__12 _768\"/>ommer<span class=\"__12 _777\"> </span> att beslutas under v<span class=\"__12 _768\"/>\u00e5ren 2023, och ing\u00e5r d\u00e4rmed inte i t<span class=\"__12 _768\"/>abel-<span class=\"__12 _777\"> </span>lerna nedan. Den har dock kostnadsf<span class=\"__12 _768\"/>\u00f6rts i sin helhet i resul-<span class=\"__12 _777\"> </span>tatr\u00e4kningen f<span class=\"__12 _768\"/>\u00f6r 2022.<span class=\"__12 _777\"> </span>Antal aktier<span class=\"__12 _f7_4\"> </span>2022<span class=\"__12 _846\"> </span>2021<span class=\"__12 _777\"> </span>Utest\u00e5ende vid \u00e5rets b\u00f6rjan<span class=\"__12 _8d_4\"> </span>2 523 663<span class=\"__12 _810\"> </span>1 219 284<span class=\"__12 _777\"> </span><span class=\"__12 _777\">Tilldelade1</span><span class=\"__12 _f8_4\"> </span>2 243 143<span class=\"__12 _806\"> </span>3 108 905<span class=\"__12 _777\"> </span>F\u00f6rverkade<span class=\"__12 _f9_4\"> </span>-2 823<span class=\"__12 _fa_4\"> </span>-23 899<span class=\"__12 _777\"> </span><span class=\"__12 _777\">Erh\u00e5llna2</span><span class=\"__12 _b8_4\"> </span>-1 796 442<span class=\"__12 _fb_4\"> </span>-1 780 627<span class=\"__12 _777\"> </span>Utest\u00e5ende vid \u00e5rets sl<span class=\"__12 _768\"/>ut <span class=\"__12 _fc_5\"> </span>2 967 541<span class=\"__12 _809\"> </span> 2 523 663<span class=\"__12 _777\"> </span>V<span class=\"__12 _768\"/>ara<span class=\"__12 _768\"/>v inl\u00f6senbara<span class=\"__12 _b8_4\"> </span>\u2013<span class=\"__12 _7b_4\"> </span>\u2013<span class=\"__12 _777\"> </span>1)   <span class=\"__12 _786\"/>Tilldelade r\u00e4ttighet<span class=\"__12 _768\"/>er 2022 avser an<span class=\"__12 _768\"/>talet aktier fr<span class=\"__12 _768\"/>\u00e5n programmen med r\u00f6rlig ers\u00e4ttning<span class=\"__12 _777\"> </span> f\u00f6r 2021 som tilldelades 2022 <span class=\"__12 _768\"/>Tilldelningen a<span class=\"__12 _768\"/>v r\u00e4ttigheter har skjutits upp till f<span class=\"__12 _768\"/>\u00f6ljd av<span class=\"__12 _777\"> </span> uppskjutande <span class=\"__12 _786\"/> och kvarh\u00e5llanderestrik<span class=\"__12 _768\"/>tioner enligt de nordiska \ufb01nansinspektionernas<span class=\"__12 _777\"> </span> regleringar<span class=\"__12 _768\"/>. De uppskjutna r\u00e4ttighet<span class=\"__12 _768\"/>erna har inte n\u00e5gon l\u00f6senk<span class=\"__12 _768\"/>urs.<span class=\"__12 _777\"> </span>2)   <span class=\"__12 _786\"/>Tilldelade r\u00e4ttighet<span class=\"__12 _768\"/>er omfa<span class=\"__12 _768\"/>ttas av en kv<span class=\"__12 _768\"/>arh\u00e5llandeperiod om ett \u00e5r efter \u00f6verl\u00e5t<span class=\"__12 _768\"/>elsen<span class=\"__12 _777\"> </span> till deltagarna. Inkluderar ak<span class=\"__12 _768\"/>tier som har erh\u00e5llits av delt<span class=\"__12 _768\"/>agarna men h\u00e5llits inne f\u00f6r<span class=\"__12 _777\"> </span> att t\u00e4cka inkomstska<span class=\"__12 _768\"/>tt eller sociala av<span class=\"__12 _768\"/>gifter<span class=\"__12 _768\"/>.<span class=\"__12 _777\"> </span>\u00d6verl\u00e5tels<span class=\"__12 _768\"/>e av ut<span class=\"__12 _768\"/>est\u00e5ende r<span class=\"__12 _768\"/>\u00e4ttigheter f<span class=\"__12 _768\"/>\u00f6rv\u00e4nt<span class=\"__12 _768\"/>as ske f<span class=\"__12 _768\"/>\u00f6ljande \u00e5r:<span class=\"__12 _777\"> </span>2022<span class=\"__12 _d_11\"> </span>2021<span class=\"__12 _777\"> </span>2022<span class=\"__12 _f3_4\"> </span>\u2013<span class=\"__12 _814\"> </span>807 845<span class=\"__12 _777\"> </span>2023<span class=\"__12 _fd_4\"> </span>1 179 841<span class=\"__12 _4c_4\"> </span>879 090<span class=\"__12 _777\"> </span>2024<span class=\"__12 _fe_4\"> </span>823 7<span class=\"__12 _b_11\"/>24<span class=\"__12 _4a_4\"> </span>5<span class=\"__12 _b_11\"/>20 251<span class=\"__12 _777\"> </span>2025<span class=\"__12 _a1_4\"> </span>512 699<span class=\"__12 _798\"> </span>213 764<span class=\"__12 _777\"> </span>2026<span class=\"__12 _fe_4\"> </span>399 361<span class=\"__12 _812\"> </span>102 713<span class=\"__12 _777\"> </span>2027<span class=\"__12 _855\"> </span>51 916<span class=\"__12 _8e_4\"> </span>\u2013<span class=\"__12 _777\"> </span>Summa<span class=\"__12 _e3_4\"> </span>2 967 541<span class=\"__12 _3b_6\"> </span>2 523 663<span class=\"__12 _777\"> </span><div class=\"t_12 m0_12 h1_12 ff1_12 fs0_12 fc0_12 sc0_12 ls4_11 ws8_11\" style=\"left:656.0268px; bottom:2.1012287px;\">177<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h2_12 ff2_12 fs1_11 fc0_12 sc0_12 ls0_12 ws1_12\" style=\"left:497.5244px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h3_11 ff2_12 fs1_11 fc0_12 sc0_12 ls1_12 ws2_11\" style=\"left:4.2144775px; bottom:1029.1447px;\">Inledning<span class=\"__12 _767\"> </span><span class=\"__12 _777\">Aff</span><span class=\"__12 _768\"/>\u00e4rsomr\u00e5den<span class=\"__12 _769\"/><span class=\"ws0_12\">V<span class=\"__12 _768\"/>\u00e5ra in<span class=\"__12 _768\"/>tressent<span class=\"__12 _768\"/>er<span class=\"__12 _770\"> </span><span class=\"ff1_12\">Finansiella rapporter<span class=\"__12 _771\"/><span class=\"ff2_12 ws2_11\">F\u00f6rvaltningsber<span class=\"__12 _768\"/>\u00e4ttelse<span class=\"__12 _772\"> </span>H\u00e5llbarhetsnoter<span class=\"__12 _773\"> </span>\u00d6vrigt<span class=\"__12 _774\"/><span class=\"ws0_12\">Strategisk r<span class=\"__12 _768\"/>apport<span class=\"__12 _777\"> </span></span></span></span></span></div><div class=\"t_12 m0_12 h7_11 ff1_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:951.6515px;\">Ers\u00e4ttning till styrelsen<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls10_10 ws18_10\" style=\"left:4.2144775px; bottom:935.1175px;\">Euro<span class=\"__12 _ff_4\"> </span><span class=\"ls0_12 ws0_12\">2022<span class=\"__12 _d_11\"> </span>2021<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:914.28925px;\">Ordf\u00f6r<span class=\"__12 _768\"/>ande:<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:897.69995px;\">Stephen Hester<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hf_11 ff2_12 fs8_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:68.38937px; bottom:900.8839px;\">1<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:221.29434px; bottom:897.6989px;\">97 000<span class=\"__12 _8e_4\"> </span>\u2013<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:881.66473px;\">T<span class=\"__12 _a_11\"/>orbj\u00f6rn Magnusson<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hf_11 ff2_12 fs8_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:89.364746px; bottom:884.8463px;\">2<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:217.48181px; bottom:881.6613px;\">282 925<span class=\"__12 _798\"> </span>352 275<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:861.38654px;\">Vice ordf<span class=\"__12 _768\"/>\u00f6rande:<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:844.79724px;\">T<span class=\"__12 _a_11\"/><span class=\"__12 _777\">orbj\u00f6rn Magnusson2</span><span class=\"__12 _da_4\"> </span>47 000<span class=\"__12 _8e_4\"> </span>\u2013<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:828.76306px;\">Stephen Hester<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hf_11 ff2_12 fs8_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:68.38937px; bottom:831.943px;\">1<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:221.29434px; bottom:828.758px;\">94 000<span class=\"__12 _8e_4\"> </span>\u2013<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:812.72375px;\">Kari Jordan<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hf_11 ff2_12 fs8_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:51.87313px; bottom:815.9054px;\">3<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:221.29434px; bottom:812.7204px;\">44 450<span class=\"__12 _806\"> </span>17<span class=\"__12 _768\"/>6 100<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:792.4456px;\">\u00d6vriga styrelseledamot<span class=\"__12 _768\"/>er:<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws19_10\" style=\"left:4.2144775px; bottom:775.3012px;\">Arja T<span class=\"__12 _a_11\"/>alma<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hf_11 ff2_12 fs8_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.761192px; bottom:778.4868px;\">4<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:217.48181px; bottom:775.3018px;\">125 250<span class=\"__12 _8e_4\"> </span>\u2013<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:758.1574px;\">Birger Steen<span class=\"__12 _f9_4\"> </span>197 725<span class=\"__12 _808\"> </span>190 550<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:741.01306px;\">Claudia Dill<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hf_11 ff2_12 fs8_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:51.87313px; bottom:744.2006px;\">3,<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hf_11 ff2_12 fs8_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:57.864304px; bottom:744.2006px;\">5<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:221.29434px; bottom:741.0156px;\">40 300<span class=\"__12 _809\"> </span>120 900<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:723.8712px;\">John Maltby<span class=\"__12 _f9_4\"> </span>197 725<span class=\"__12 _fb_4\"> </span>183 050<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:706.72687px;\">Jonas Synnergren<span class=\"__12 _842\"> </span>1<span class=\"__12 _768\"/>41 175<span class=\"__12 _fb_4\"> </span>159 650<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws1a_10\" style=\"left:4.2144775px; bottom:689.58246px;\">Kjersti Wiklund<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hf_11 ff2_12 fs8_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:67.36107px; bottom:692.77136px;\"><span class=\"__12 _777\">4<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:217.48181px; bottom:689.58636px;\">125 250<span class=\"__12 _8e_4\"> </span>\u2013<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:672.44196px;\">Lene Skole<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hf_11 ff2_12 fs8_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:49.77987px; bottom:675.62823px;\">4<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:217.48181px; bottom:672.44324px;\">100 875<span class=\"__12 _8e_4\"> </span>\u2013<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:655.2988px;\">Nigel Hinshelwood<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hf_11 ff2_12 fs8_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:82.912704px; bottom:658.48517px;\">3<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:221.29434px; bottom:655.3001px;\">48 100<span class=\"__12 _fb_4\"> </span>190 550<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:638.15576px;\">Pernille Erenbjer<span class=\"__12 _768\"/>g<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hf_11 ff2_12 fs8_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:78.873215px; bottom:641.34204px;\">6<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:243.48001px; bottom:638.15704px;\">\u2013<span class=\"__12 _2c_6\"> </span>38 750<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:621.01263px;\">Petra v<span class=\"__12 _768\"/>on Hoeken<span class=\"__12 _868\"> </span>189 925<span class=\"__12 _808\"> </span>159 650<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:603.8682px;\">Robin Lawther<span class=\"__12 _869\"> </span>128 950<span class=\"__12 _fb_4\"> </span>124 600<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:586.7238px;\">Sarah Russell<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hf_11 ff2_12 fs8_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:60.080933px; bottom:589.9126px;\">3<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:221.29434px; bottom:586.7276px;\">39 250<span class=\"__12 _fb_4\"> </span>156 500<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:570.1383px;\">Summa<span class=\"__12 _788\"> </span>1 899 900<span class=\"__12 _865\"> </span>1 852 575<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hb_11 ff2_12 fs6_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:551.0318px;\">1)   <span class=\"__12 _786\"/>Ordf\u00f6rande fr<span class=\"__12 _768\"/>\u00e5n 1 oktober 2022, vice or<span class=\"__12 _768\"/>df\u00f6rande fr<span class=\"__12 _768\"/>\u00e5n 24 mars 2022 till 30 sept<span class=\"__12 _768\"/>ember<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 hb_11 ff2_12 fs6_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:14.974579px; bottom:542.19495px;\">2022.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hb_11 ff2_12 fs6_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:530.5909px;\">2)   <span class=\"__12 _786\"/>Vice ordf\u00f6rande fr<span class=\"__12 _768\"/>\u00e5n 1 oktober 2022, or<span class=\"__12 _768\"/>df\u00f6rande fr<span class=\"__12 _768\"/>\u00e5n 24 mars 2022 till 30 sept<span class=\"__12 _768\"/>ember<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 hb_11 ff2_12 fs6_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:14.974579px; bottom:521.754px;\">2022.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hb_11 ff2_12 fs6_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:510.14996px;\">3)   <span class=\"__12 _786\"/>A<span class=\"__12 _768\"/>vgick som styrelseledamo<span class=\"__12 _768\"/>t vid den ordinarie bolagst\u00e4mma 2022.<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 hb_11 ff2_12 fs6_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:498.5459px;\">4)   <span class=\"__12 _786\"/>Ny styrelseledamot vid den ordinarie bolagst\u00e4mma 2022.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hb_11 ff2_12 fs6_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:486.94183px;\">5)   <span class=\"__12 _786\"/>Ny styrelseledamot vid den ordinarie bolagst\u00e4mma 2021.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hb_11 ff2_12 fs6_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:475.33777px;\">6)   <span class=\"__12 _786\"/>A<span class=\"__12 _768\"/>vgick som styrelseledamo<span class=\"__12 _768\"/>t vid den ordinarie bolagst\u00e4mma 2021.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h6_11 ff1_12 fs4_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:951.164px;\">Ers\u00e4ttning till konc<span class=\"__12 _768\"/>ernchefen, vic<span class=\"__12 _768\"/>e verkst\u00e4llande<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h6_11 ff1_12 fs4_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:937.6388px;\">direk<span class=\"__12 _768\"/>t\u00f6ren och konc<span class=\"__12 _768\"/>ernledningen<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:924.1057px;\">Styrelsens ers\u00e4ttnings- och personalkommitt\u00e9 (BRPC) f<span class=\"__12 _768\"/>\u00f6rbe-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:910.5805px;\">reder \u00e4ndringar i ers\u00e4ttningsa<span class=\"__12 _768\"/>vtalen f<span class=\"__12 _768\"/>\u00f6r koncernchef<span class=\"__12 _768\"/>en, vice<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:897.0553px;\">vd:n och \u00f6vriga medlemmar i konc<span class=\"__12 _768\"/>ernledningen, f\u00f6r be<span class=\"__12 _768\"/>slut a<span class=\"__12 _768\"/>v<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:883.5301px;\">styrelsen. Detta inkl<span class=\"__12 _768\"/>uderar f<span class=\"__12 _768\"/>ast ers\u00e4ttning, utf<span class=\"__12 _768\"/>allet a<span class=\"__12 _768\"/>v Nordea<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:870.0049px;\">incentiv<span class=\"__12 _768\"/>e plan (NIP) 2022, f\u00f6r<span class=\"__12 _768\"/>delningen a<span class=\"__12 _768\"/>v villkorade ak<span class=\"__12 _768\"/>tier<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:856.4797px;\">inom ramen f<span class=\"__12 _768\"/>\u00f6r det l\u00e5ngsiktiga incitamen<span class=\"__12 _768\"/>tsprogr<span class=\"__12 _768\"/>ammet<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:842.95447px;\">(L<span class=\"__12 _be_5\"/>TIP) och den efterf\u00f6ljande tilldelningen a<span class=\"__12 _768\"/>v aktier f<span class=\"__12 _768\"/>r\u00e5n L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:829.42926px;\">samt andr<span class=\"__12 _768\"/>a \u00e4ndringar<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:333.50226px; bottom:815.9041px;\">Se not K8.3 \u201d<span class=\"__12 _be_5\"/>Aktierelater<span class=\"__12 _768\"/>ade ers\u00e4ttningsprogram\u201d f<span class=\"__12 _a_11\"/>\u00f6r mer<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:802.3789px;\">inf<span class=\"__12 _768\"/>ormation om de kortsik<span class=\"__12 _768\"/>tiga incitamentpr<span class=\"__12 _768\"/>ogrammen (STIP)<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:788.8537px;\">(NIP<span class=\"__12 _a_11\"/>/EIP) och L<span class=\"__12 _a_11\"/>TIP 2022\u2013<span class=\"__12 _768\"/>202<span class=\"__12 _768\"/>4, L<span class=\"__12 _be_5\"/>TIP 2021<span class=\"__12 _768\"/>\u20132023 och L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:775.3285px;\">2020\u20132022.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:333.50226px; bottom:761.8033px;\">Presen<span class=\"__12 _768\"/>tationen a<span class=\"__12 _768\"/>v ers\u00e4ttningar i Ers\u00e4ttningsr<span class=\"__12 _768\"/>apporten f\u00f6r<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:748.2781px;\">styrande or<span class=\"__12 _768\"/>gan skiljer sig fr\u00e5n pr<span class=\"__12 _768\"/>esent<span class=\"__12 _768\"/>ationen och redo<span class=\"__12 _768\"/>vis-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:734.75287px;\">ningsprinciperna enligt IFRS som till\u00e4mpas f\u00f6r \u00e5rsredo<span class=\"__12 _768\"/>vis-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:721.22766px;\">ningen, fram<span class=\"__12 _768\"/>f\u00f6r all<span class=\"__12 _768\"/>t n\u00e4r det g\u00e4ller det l\u00e5ngsiktiga<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:707.7025px;\">incitamentspr<span class=\"__12 _768\"/>ogrammet.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 he_11 ff2_12 fs4_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:680.5819px;\">F<span class=\"__12 _768\"/>ast ers\u00e4ttning<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:667.0529px;\">F<span class=\"__12 _768\"/>ast l\u00f6n betalas i lok<span class=\"__12 _768\"/>ala valutor och omr<span class=\"__12 _768\"/>\u00e4knas till euro till<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:653.5277px;\">\u00e5rets genomsnittskurs. Den f<span class=\"__12 _768\"/>asta l\u00f6nen innef<span class=\"__12 _768\"/>attar seme<span class=\"__12 _768\"/>ster-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:640.0025px;\">ers\u00e4ttning och biltill\u00e4gg, i f<span class=\"__12 _768\"/>\u00f6rekommande f<span class=\"__12 _768\"/>all.<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:333.50226px; bottom:626.4773px;\">F\u00f6rm\u00e5nerna ut<span class=\"__12 _768\"/>g\u00f6rs huvudsakligen av bil <span class=\"__12 _c0_5\"/>, skatter<span class=\"__12 _768\"/>\u00e5dgiv-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:612.95215px;\">nings- och bostadsf<span class=\"__12 _768\"/>\u00f6rm\u00e5n. F\u00f6rm\u00e5ner har medr<span class=\"__12 _768\"/>\u00e4knats till det<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:599.42694px;\">skatteplik<span class=\"__12 _768\"/>tiga v\u00e4r<span class=\"__12 _768\"/>det efter even<span class=\"__12 _768\"/>tuellt l\u00f6nea<span class=\"__12 _768\"/>vdr<span class=\"__12 _768\"/>ag.<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:333.50226px; bottom:585.90173px;\">Pensionskos<span class=\"__12 _768\"/>tnader utg\u00f6rs av under \u00e5r<span class=\"__12 _768\"/>et betalda pensions-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:572.3765px;\">premier i a<span class=\"__12 _768\"/>vgiftsbest<span class=\"__12 _768\"/>\u00e4mda pensionsplaner och under \u00e5ret<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:558.8513px;\">intj\u00e4nade pensionsr<span class=\"__12 _768\"/>\u00e4tter i f<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbest\u00e4mda pensionsplaner<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:545.3261px;\">(\u201dKostnader a<span class=\"__12 _a_11\"/>vseende tj\u00e4nstg\u00f6ring innevarande \u00e5r\u201d liksom<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:531.8009px;\">\u201dKostnader a<span class=\"__12 _a_11\"/>vseende tj\u00e4nstg\u00f6ring tidigare \u00e5r samt r<span class=\"__12 _768\"/>eglering-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:518.2757px;\">ar<span class=\"__12 _b_11\"/>\u201d<span class=\"__12 _a_11\"/>, de\ufb01nierade i IAS 19).<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:333.50226px; bottom:504.7505px;\">2 336 438 euro (1 901 643 euro) av de t<span class=\"__12 _768\"/>otala pensionskos<span class=\"__12 _768\"/>t-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:491.22534px;\">naderna avser a<span class=\"__12 _a_11\"/>vgiftsbest\u00e4mda pensionsplaner<span class=\"__12 _a_11\"/>, motsvarande<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:477.7001px;\">97<span class=\"__12 _a_11\"/>,4 procent (96,6 pr<span class=\"__12 _768\"/>ocent).<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hd_11 ff4_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:986.27924px;\">K8.4   <span class=\"__12 _786\"/>Ers\u00e4ttning till n<span class=\"__12 _768\"/>yckelpersoner i ledande positioner<span class=\"__12 _768\"/>, forts.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h1_12 ff1_12 fs0_12 fc0_12 sc0_12 ls4_11 ws8_11\" style=\"left:0.002374649px; bottom:2.1012287px;\">178<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h2_12 ff2_12 fs1_11 fc0_12 sc0_12 ls0_12 ws1_12\" style=\"left:44.310143px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h3_11 ff2_12 fs1_11 fc0_12 sc0_12 ls1_12 ws2_11\" style=\"left:48.511353px; bottom:1029.1447px;\">Inledning<span class=\"__12 _767\"> </span><span class=\"__12 _777\">Aff</span><span class=\"__12 _768\"/>\u00e4rsomr\u00e5den<span class=\"__12 _769\"/><span class=\"ws0_12\">V<span class=\"__12 _768\"/>\u00e5ra in<span class=\"__12 _768\"/>tressent<span class=\"__12 _768\"/>er<span class=\"__12 _770\"> </span><span class=\"ff1_12\">Finansiella rapporter<span class=\"__12 _771\"/><span class=\"ff2_12 ws2_11\">F\u00f6rvaltningsber<span class=\"__12 _768\"/>\u00e4ttelse<span class=\"__12 _772\"> </span>H\u00e5llbarhetsnoter<span class=\"__12 _773\"> </span>\u00d6vrigt<span class=\"__12 _774\"/><span class=\"ws0_12\">Strategisk r<span class=\"__12 _768\"/>apport<span class=\"__12 _777\"> </span></span></span></span></span></div><div class=\"t_12 m0_12 he_11 ff2_12 fs4_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:475.7938px;\">R\u00f6rlig ers\u00e4ttning<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:462.2647px;\">Tilldelningen fr\u00e5n STIP<span class=\"__12 _768\"/> 2022 (NIP) f<span class=\"__12 _768\"/>\u00f6r koncernchef<span class=\"__12 _768\"/>en, vice<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:448.7395px;\">verkst\u00e4llande dir<span class=\"__12 _768\"/>ekt<span class=\"__12 _768\"/>\u00f6ren och koncernledningen baser<span class=\"__12 _768\"/>as p\u00e5<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:435.2143px;\">speci\ufb01ka m\u00e5l och kan som h\u00f6gst uppg\u00e5 till 75 pr<span class=\"__12 _768\"/>ocent a<span class=\"__12 _768\"/>v den<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:421.6891px;\">fas<span class=\"__12 _768\"/>ta grundl\u00f6nen, f\u00f6rut<span class=\"__12 _768\"/><span class=\"__12 _777\">om f\u00f6r Chief Risk Offic</span><span class=\"__12 _768\"/>er och Chief<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:408.1639px;\"><span class=\"__12 _777\">Compliance Officer som har ett tak p\u00e5 100 pr</span><span class=\"__12 _768\"/>ocent.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:57.205498px; bottom:394.6387px;\">40 procen<span class=\"__12 _768\"/>t av tilldelningen f<span class=\"__12 _768\"/>r\u00e5n NIP<span class=\"__12 _768\"/> 2022 betalas ut under<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:381.1135px;\">2023. \u00c5terst\u00e5ende 60 pr<span class=\"__12 _768\"/>ocent bet<span class=\"__12 _768\"/>alas ut i lika delar under en<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:367.5883px;\">fem\u00e5rsperiod, med en in<span class=\"__12 _768\"/>tj\u00e4ning p\u00e5 12 procen<span class=\"__12 _768\"/>t per \u00e5r<span class=\"__12 _a_11\"/>. 50 pro-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:354.0631px;\">cent a<span class=\"__12 _768\"/>v tilldelningen f<span class=\"__12 _768\"/>r\u00e5n NIP<span class=\"__12 _768\"/> 2022 betalas vid respek<span class=\"__12 _768\"/>tive<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:340.5379px;\">\u00f6verf<span class=\"__12 _768\"/>\u00f6ringstidpunk<span class=\"__12 _768\"/>t i form a<span class=\"__12 _768\"/>v Nordeaak<span class=\"__12 _768\"/>tier (e<span class=\"__12 _768\"/>xklusiv<span class=\"__12 _768\"/>e utdel-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:327.0127px;\">ning). Ak<span class=\"__12 _768\"/>tierna omf<span class=\"__12 _768\"/>attas a<span class=\"__12 _a_11\"/>v en kvarh\u00e5llandeperiod om<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:313.4875px;\"><span class=\"__12 _777\">12 m\u00e5nader efter uppskjutandeperiodens slut. </span><span class=\"__12 _768\"/>Tilldelningen<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:299.9623px;\">fr\u00e5n NIP<span class=\"__12 _768\"/> 2022 har kos<span class=\"__12 _768\"/>tnadsf\u00f6rts i sin helhet under 2022.<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:57.205498px; bottom:286.4371px;\">Vidare deltar konc<span class=\"__12 _768\"/>ernchef<span class=\"__12 _768\"/>en, vice verkst<span class=\"__12 _768\"/>\u00e4llande direkt<span class=\"__12 _768\"/>\u00f6ren<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:272.9119px;\">och medlemmarna i koncernledningen i de ak<span class=\"__12 _768\"/>tierelat<span class=\"__12 _768\"/>erade<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:259.3867px;\">L<span class=\"__12 _be_5\"/>TIP 2020\u20132022, L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _768\"/> 2021\u2013<span class=\"__12 _768\"/>2023 och L<span class=\"__12 _be_5\"/>TIP 2022\u2013202<span class=\"__12 _768\"/>4 efter<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:245.86151px;\">beslut a<span class=\"__12 _768\"/>v styrelsen och in<span class=\"__12 _768\"/>f<span class=\"__12 _768\"/>\u00f6rda i enlighet med \u201dErs\u00e4ttningspo-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:232.3363px;\">licy f\u00f6r s<span class=\"__12 _768\"/>tyrande organ\u201d som godk<span class=\"__12 _768\"/>\u00e4ndes vid en r\u00e5dgivande<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:218.8111px;\">omr\u00f6stning p\u00e5 Nordeas or<span class=\"__12 _768\"/>dinarie bolagsst\u00e4mma 2020 och<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:205.2859px;\">g\u00e4ller fram till or<span class=\"__12 _768\"/>dinarie bolagsst\u00e4mma 202<span class=\"__12 _768\"/>4. </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:57.205498px; bottom:191.7607px;\"><span class=\"__12 _777\"> Chief Risk Officer och Chief Compliance Officer del</span><span class=\"__12 _768\"/>tar int<span class=\"__12 _768\"/>e i<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:178.2355px;\">dessa tre incitamen<span class=\"__12 _768\"/>tsprogram.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 he_11 ff2_12 fs4_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:151.0954px;\">Ers\u00e4ttning till koncernchef<span class=\"__12 _768\"/>en<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:137.56642px;\">Fr<span class=\"__12 _768\"/>ank V<span class=\"__12 _a_11\"/>ang <span class=\"__12 _870\"/>Jensen uts\u00e5gs till koncernchef den 5 sep<span class=\"__12 _768\"/>tember<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:124.04123px;\">2019.<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:57.205498px; bottom:110.51602px;\">Koncernchef<span class=\"__12 _768\"/>ens f<span class=\"__12 _768\"/>asta \u00e5rsl\u00f6n uppg\u00e5r till 1 410 000 euro f<span class=\"__12 _768\"/>r\u00e5n<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:96.99083px;\">den 1 januari 2022.  </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:57.205498px; bottom:83.46563px;\">Koncernchef<span class=\"__12 _768\"/>en om<span class=\"__12 _768\"/>fa<span class=\"__12 _768\"/>ttas a<span class=\"__12 _768\"/>v en av<span class=\"__12 _768\"/>giftsbest\u00e4md pensions-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:69.94043px;\">plan, d\u00e4r pensionspremierna uppg\u00e5r till 30 procen<span class=\"__12 _768\"/>t a<span class=\"__12 _768\"/>v den<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:56.41523px;\">fas<span class=\"__12 _768\"/>ta grundl\u00f6nen.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hd_11 ff4_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:986.27924px;\">K8.4  Ers\u00e4ttning till nyckelpersoner i ledande positioner<span class=\"__12 _768\"/>, forts.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h7_11 ff1_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:951.6515px;\">Ers\u00e4ttning till koncernche<span class=\"__12 _768\"/>fen, vic<span class=\"__12 _768\"/>e vd och konc<span class=\"__12 _768\"/>ernledningen<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h1_12 ff1_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:940.6015px;\">F<span class=\"__12 _768\"/>ast ers\u00e4ttning<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:294.5799px; bottom:904.56744px;\">Fas<span class=\"__12 _768\"/>t l\u00f6n<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:381.51636px; bottom:924.06744px;\">Pensionskostnad  </div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:372.2787px; bottom:914.31744px;\">A<span class=\"__12 _768\"/>vgifts- och f\u00f6rm\u00e5ns-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:381.51636px; bottom:904.56744px;\">best\u00e4mda planer<span class=\"__12 _835\"> </span>F\u00f6rm\u00e5ner<span class=\"__12 _df_4\"> </span>Summa fast ers\u00e4ttning<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls10_10 ws18_10\" style=\"left:48.511353px; bottom:888.3981px;\">Euro<span class=\"__12 _863\"> </span><span class=\"ls0_12 ws0_12\">2022<span class=\"__12 _815\"> </span>2021<span class=\"__12 _779\"> </span>2022<span class=\"__12 _815\"> </span>2021<span class=\"__12 _779\"> </span>2022<span class=\"__12 _815\"> </span>2021<span class=\"__12 _871\"> </span>2022<span class=\"__12 _871\"> </span>2021<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:871.25616px;\">Koncernchef:<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:854.11176px;\">Frank V<span class=\"__12 _a_11\"/>ang-<span class=\"__12 _768\"/>Jensen<span class=\"__12 _872\"> </span>1 469 7<span class=\"__12 _768\"/>43<span class=\"__12 _807\"> </span>1 361 329<span class=\"__12 _808\"> </span>42<span class=\"__12 _b_11\"/>3 031<span class=\"__12 _773\"> </span>386 405<span class=\"__12 _fb_4\"> </span>105 985<span class=\"__12 _fb_4\"> </span>109 392<span class=\"__12 _e5_4\"> </span>1 998 759<span class=\"__12 _805\"> </span>1 857 126<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:836.96735px;\">Vice vd:<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:819.82294px;\">Jussi Koskinen<span class=\"__12 _a3_4\"> </span>545 545<span class=\"__12 _fb_4\"> </span>481 447<span class=\"__12 _fb_4\"> </span>192 950<span class=\"__12 _4a_4\"> </span>139 623<span class=\"__12 _3d_6\"> </span>18 391<span class=\"__12 _801\"> </span>21 634<span class=\"__12 _806\"> </span>756 886<span class=\"__12 _fb_4\"> </span>642 704<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:802.6785px;\">Koncernledning:<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:785.5341px;\">10 (10) personer exklusive k<span class=\"__12 _768\"/>oncernchefen och vic<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls4_11 ws8_11\" style=\"left:48.511353px; bottom:774.48676px;\">vd:<span class=\"__12 _f5_4\"> </span><span class=\"ls0_12 ws0_12\">6 831 481<span class=\"__12 _799\"> </span>6 292 854<span class=\"__12 _e6_4\"> </span>1 781 737<span class=\"__12 _865\"> </span>1 441 569<span class=\"__12 _808\"> </span>178 296<span class=\"__12 _808\"> </span>155 467<span class=\"__12 _817\"> </span>8 791 514<span class=\"__12 _2e_6\"> </span>7 889 890<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:757.34235px;\">Summa<span class=\"__12 _873\"> </span>8 846 769<span class=\"__12 _799\"> </span>8 135 630<span class=\"__12 _865\"> </span>2 397 718<span class=\"__12 _874\"> </span>1 967 597<span class=\"__12 _814\"> </span>302 67<span class=\"__12 _b_11\"/>2<span class=\"__12 _773\"> </span>286 493<span class=\"__12 _3b_6\"> </span>11 547 159<span class=\"__12 _875\"> </span>10 389 720<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h1_12 ff1_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:44.310143px; bottom:709.73425px;\">R\u00f6rlig ers\u00e4ttning<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:281.8178px; bottom:683.4502px;\">STIP (NIP<span class=\"__12 _a_11\"/>/EIP )<span class=\"__12 _876\"> </span>L<span class=\"__12 _a_11\"/><span class=\"__12 _777\">TIP1</span><span class=\"__12 _3a_7\"> </span>Summa r\u00f6rlig ers\u00e4ttning</div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:584.1073px; bottom:693.2002px;\"> Summa ers\u00e4ttning  </div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:593.38153px; bottom:683.4502px;\">fast och r\u00f6rlig<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls10_10 ws18_10\" style=\"left:48.511353px; bottom:667.2808px;\">Euro<span class=\"__12 _877\"> </span><span class=\"ls0_12 ws0_12\">2022<span class=\"__12 _d_11\"> </span>2021<span class=\"__12 _815\"> </span>2022<span class=\"__12 _d_11\"> </span>2021<span class=\"__12 _779\"> </span>2022<span class=\"__12 _d_11\"> </span>2021<span class=\"__12 _813\"> </span>2022<span class=\"__12 _871\"> </span>2021<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:650.13904px;\">Koncernchef:<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:632.9946px;\">Frank V<span class=\"__12 _a_11\"/>ang-<span class=\"__12 _768\"/>Jensen<span class=\"__12 _ce_5\"> </span>981 140<span class=\"__12 _4c_4\"> </span>849 509<span class=\"__12 _798\"> </span>531 536<span class=\"__12 _798\"> </span>201 7<span class=\"__12 _b_11\"/>24<span class=\"__12 _e6_4\"> </span>1 512 676<span class=\"__12 _10a_4\"> </span>1 051 233<span class=\"__12 _e5_4\"> </span>3 511 435<span class=\"__12 _874\"> </span>2 908 359<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:615.8502px;\">Vice vd:<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:598.7058px;\">Jussi Koskinen<span class=\"__12 _9a_4\"> </span>354 792<span class=\"__12 _812\"> </span>314 137<span class=\"__12 _c6_4\"> </span><span class=\"ls4_11 ws8_11\">177<span class=\"__12 _b_11\"/> 178<span class=\"__12 _785\"> </span></span>67 2<span class=\"__12 _768\"/>41<span class=\"__12 _4a_4\"> </span>531 970<span class=\"__12 _798\"> </span>381 378<span class=\"__12 _865\"> </span>1 288 856<span class=\"__12 _865\"> </span>1 024 082<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:581.5614px;\">Koncernledning:<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:564.417px;\">10 (10) personer exklusive k<span class=\"__12 _768\"/>oncernchefen och vic<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls4_11 ws8_11\" style=\"left:48.511353px; bottom:553.3696px;\">vd:<span class=\"__12 _10b_4\"> </span><span class=\"ls0_12 ws0_12\">4 148 166<span class=\"__12 _2e_6\"> </span>3 829 690<span class=\"__12 _799\"> </span>1 886 840<span class=\"__12 _773\"> </span>685 649<span class=\"__12 _2e_6\"> </span>6 035 006<span class=\"__12 _865\"> </span>4 515 339<span class=\"__12 _10c_4\"> </span>14 826 520<span class=\"__12 _10c_4\"> </span>12 405 229<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:536.2252px;\">Summa<span class=\"__12 _10d_4\"> </span>5 484 098<span class=\"__12 _799\"> </span>4 993 336<span class=\"__12 _799\"> </span>2 595 554<span class=\"__12 _814\"> </span>954 614<span class=\"__12 _799\"> </span>8 079 652<span class=\"__12 _2e_6\"> </span>5 947 950<span class=\"__12 _789\"> </span>19 626 811 <span class=\"__12 _10e_4\"> </span>16 337 670<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hb_11 ff2_12 fs6_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:48.511353px; bottom:516.5722px;\">1)  De\ufb01nierad som kostnaden ber\u00e4knad enligt IFRS 2 f<span class=\"__12 _768\"/>\u00f6r L<span class=\"__12 _a_11\"/>TIP 2020-2022, L<span class=\"__12 _be_5\"/>TIP 2021-2023, L<span class=\"__12 _a_11\"/>TIP 2022-<span class=\"__12 _768\"/>2024.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:377.79913px; bottom:476.2813px;\">F\u00f6rm\u00e5nerna ut<span class=\"__12 _768\"/>gjordes huvudsakligen a<span class=\"__12 _768\"/>v bil-, bost<span class=\"__12 _768\"/>ads-,<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:462.7561px;\">s\u00e4kerhets- och reser<span class=\"__12 _768\"/>elater<span class=\"__12 _768\"/>ade f\u00f6rm\u00e5ner s\u00e5<span class=\"__12 _768\"/>v<span class=\"__12 _768\"/>\u00e4l som skatter<span class=\"__12 _768\"/>\u00e5d-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:449.2309px;\">givning, till ett v\u00e4rde a<span class=\"__12 _768\"/>v 105 985 euro<span class=\"__12 _768\"/>.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:377.79913px; bottom:435.7057px;\">NIP 2022 baser<span class=\"__12 _768\"/>ades p\u00e5 s\u00e4rskilda m\u00e5l och kunde som h\u00f6gs<span class=\"__12 _768\"/>t<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:422.1805px;\">uppg\u00e5 till 75 procen<span class=\"__12 _768\"/>t av den f<span class=\"__12 _768\"/>ast<span class=\"__12 _768\"/>a grundl\u00f6nen. F\u00f6r 2022 upp-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:408.6553px;\">gick tilldelningen fr\u00e5n NIP<span class=\"__12 _768\"/> till 981 140 eur<span class=\"__12 _768\"/>o.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:377.79913px; bottom:395.1301px;\">F\u00f6r 2022 uppgick IFRS 2-k<span class=\"__12 _768\"/>ostnaden till 93 186 euro f<span class=\"__12 _768\"/>\u00f6r L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws6_11\" style=\"left:364.9038px; bottom:381.6049px;\">2020\u20132022, 2<span class=\"__12 _768\"/>46 544 euro f<span class=\"__12 _768\"/>\u00f6r L<span class=\"__12 _be_5\"/>TIP 2021<span class=\"__12 _768\"/>\u20132023 och 191 8<span class=\"ws0_12\"><span class=\"__12 _777\">06 eur<span class=\"__12 _777\"> </span></span></span><span class=\"ws0_12\">o<span class=\"__12 _777\"> </span></span><span class=\"ws0_12\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:368.0797px;\">f\u00f6r L<span class=\"__12 _be_5\"/>TIP 2022\u2013<span class=\"__12 _768\"/>202<span class=\"__12 _768\"/>4.<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws7_11\" style=\"left:377.79913px; bottom:354.5545px;\">Koncernchef<span class=\"__12 _768\"/>en m\u00e5st<span class=\"__12 _768\"/>e beh\u00e5lla en stor andel a<span class=\"__12 _768\"/>v de tilldelad<span class=\"__12 _777\"> </span>e<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:341.0293px;\">aktierna f<span class=\"__12 _768\"/>r\u00e5n L<span class=\"__12 _be_5\"/>TIP 2020\u2013<span class=\"__12 _768\"/>2022, L<span class=\"__12 _be_5\"/>TIP 2021<span class=\"__12 _768\"/>\u20132023 och L<span class=\"__12 _be_5\"/>TIP 2022\u2013<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:327.5041px;\">2024 till dess a<span class=\"__12 _768\"/>tt det samlade v\u00e4rdet a<span class=\"__12 _768\"/>v ak<span class=\"__12 _768\"/>tierna motsv<span class=\"__12 _768\"/>arar<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:313.9789px;\">100 procen<span class=\"__12 _768\"/>t av hans f<span class=\"__12 _768\"/>ast<span class=\"__12 _768\"/>a brutto\u00e5rsl\u00f6n. Dessa aktier m\u00e5s<span class=\"__12 _768\"/>te<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:300.4537px;\">beh\u00e5llas till dess att koncernche<span class=\"__12 _768\"/>fen l\u00e4mnar sin bef<span class=\"__12 _768\"/>attning.<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:377.79913px; bottom:286.9285px;\">Den samlade kostnadsf<span class=\"__12 _768\"/>\u00f6rda ers\u00e4ttningen f<span class=\"__12 _768\"/>\u00f6r 2022 uppgick<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:273.4033px;\">till 3 511 435 euro.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 he_11 ff2_12 fs4_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:246.28659px;\">Ers\u00e4ttning till vice verks<span class=\"__12 _768\"/>t\u00e4llande direk<span class=\"__12 _768\"/>t\u00f6ren<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:232.7575px;\">Jussi Koskinen uts\u00e5gs till vice v<span class=\"__12 _768\"/>erkst\u00e4llande direk<span class=\"__12 _768\"/>t\u00f6r (vic<span class=\"__12 _768\"/>e vd)<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:219.2323px;\">den 10 september 2019.<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:377.79913px; bottom:205.70709px;\">Vice vd:s f<span class=\"__12 _768\"/>asta \u00e5rsl\u00f6n var 540 37<span class=\"__12 _a_11\"/>4 euro fr<span class=\"__12 _768\"/>\u00e5n den 1 januari<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:192.1819px;\">2022.<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:377.79913px; bottom:178.6567px;\">Vice verkst<span class=\"__12 _768\"/>\u00e4llande vd:n omf<span class=\"__12 _768\"/>att<span class=\"__12 _768\"/>as \u00e4v<span class=\"__12 _768\"/>en a<span class=\"__12 _768\"/>v en av<span class=\"__12 _768\"/>giftsbe-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:165.1315px;\">st\u00e4md pensionsplan, d\u00e4r premierna uppgick till 8,5 proc<span class=\"__12 _768\"/>ent a<span class=\"__12 _768\"/>v<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:151.6063px;\">den fas<span class=\"__12 _768\"/>ta grundl\u00f6nen, ut\u00f6v<span class=\"__12 _768\"/>er betalningar till det lagstadgade<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:138.0811px;\">\ufb01nska pensionssystemet. Enligt de lagstadgade pensionsreg-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:124.55589px;\">lerna ska den del av utf<span class=\"__12 _768\"/>allet f<span class=\"__12 _768\"/>r\u00e5n NIP<span class=\"__12 _768\"/> 2022 f\u00f6r k<span class=\"__12 _768\"/>oncernled-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:111.0307px;\">ningen som betalas ut under 2023 medr\u00e4knas i pensionsgrun-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:97.5055px;\">dande l\u00f6n.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:377.79913px; bottom:83.9803px;\">F\u00f6rm\u00e5nerna f<span class=\"__12 _768\"/>\u00f6r 2022 uppgick till 18 391 euro och ut<span class=\"__12 _768\"/>gjordes<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:364.9038px; bottom:70.4551px;\">huvudsakligen av bilf<span class=\"__12 _768\"/>\u00f6rm\u00e5n.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h1_12 ff1_12 fs0_12 fc0_12 sc0_12 ls4_11 ws8_11\" style=\"left:656.0268px; bottom:2.1012287px;\">179<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h2_12 ff2_12 fs1_11 fc0_12 sc0_12 ls0_12 ws1_12\" style=\"left:497.5244px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h3_11 ff2_12 fs1_11 fc0_12 sc0_12 ls1_12 ws2_11\" style=\"left:4.2144775px; bottom:1029.1447px;\">Inledning<span class=\"__12 _767\"> </span><span class=\"__12 _777\">Aff</span><span class=\"__12 _768\"/>\u00e4rsomr\u00e5den<span class=\"__12 _769\"/><span class=\"ws0_12\">V<span class=\"__12 _768\"/>\u00e5ra in<span class=\"__12 _768\"/>tressent<span class=\"__12 _768\"/>er<span class=\"__12 _770\"> </span><span class=\"ff1_12\">Finansiella rapporter<span class=\"__12 _771\"/><span class=\"ff2_12 ws2_11\">F\u00f6rvaltningsber<span class=\"__12 _768\"/>\u00e4ttelse<span class=\"__12 _772\"> </span>H\u00e5llbarhetsnoter<span class=\"__12 _773\"> </span>\u00d6vrigt<span class=\"__12 _774\"/><span class=\"ws0_12\">Strategisk r<span class=\"__12 _768\"/>apport<span class=\"__12 _777\"> </span></span></span></span></span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:12.908623px; bottom:951.6515px;\">NIP 2022 baser<span class=\"__12 _768\"/>ades p\u00e5 s\u00e4rskilda m\u00e5l och kunde som h\u00f6gs<span class=\"__12 _768\"/>t<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:938.12634px;\">uppg\u00e5 till 75 procen<span class=\"__12 _768\"/>t av den f<span class=\"__12 _768\"/>ast<span class=\"__12 _768\"/>a grundl\u00f6nen. F\u00f6r 2022 upp-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:924.60114px;\">gick tilldelningen fr\u00e5n NIP<span class=\"__12 _768\"/> till 354 792 euro.<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:12.908623px; bottom:911.0759px;\">F\u00f6r 2022 uppgick IFRS 2-k<span class=\"__12 _768\"/>ostnaden till 31 062 euro f<span class=\"__12 _768\"/>\u00f6r L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:897.5507px;\">2020\u20132022, 82 181 euro f<span class=\"__12 _768\"/>\u00f6r L<span class=\"__12 _be_5\"/>TIP 2021<span class=\"__12 _768\"/>\u2013<span class=\"__12 _768\"/>2023 och 63 935 euro<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:884.0255px;\">f\u00f6r L<span class=\"__12 _be_5\"/>TIP 2022\u2013<span class=\"__12 _768\"/>202<span class=\"__12 _768\"/>4.<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 lse_10 ws0_12\" style=\"left:12.908623px; bottom:870.5003px;\">Vice vd m\u00e5st<span class=\"__12 _768\"/>e beh\u00e5lla en stor andel a<span class=\"__12 _768\"/>v de tilldelade ak<span class=\"__12 _768\"/>tier<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 lse_10 ws0_12\" style=\"left:0.013267517px; bottom:856.9751px;\">na fr\u00e5n L<span class=\"__12 _be_5\"/>TIP 2020\u2013<span class=\"__12 _768\"/>2022, L<span class=\"__12 _be_5\"/>TIP 2021<span class=\"__12 _768\"/>\u2013<span class=\"__12 _768\"/>2023 och L<span class=\"__12 _be_5\"/>TIP 2022\u2013202<span class=\"__12 _768\"/>4<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 lse_10 ws0_12\" style=\"left:0.013267517px; bottom:843.4499px;\">till dess att det samlade v\u00e4r<span class=\"__12 _768\"/>det a<span class=\"__12 _768\"/>v aktierna mo<span class=\"__12 _768\"/>tsvarar 100 pr<span class=\"__12 _768\"/>o<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 lse_10 ws0_12\" style=\"left:0.013267517px; bottom:829.92474px;\">cent a<span class=\"__12 _768\"/>v hans f<span class=\"__12 _768\"/>asta brutt<span class=\"__12 _768\"/>o\u00e5rsl\u00f6n. Dessa aktier m\u00e5st<span class=\"__12 _768\"/>e beh\u00e5llas<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 lse_10 ws0_12\" style=\"left:0.013267517px; bottom:816.39954px;\">till dess att vice v<span class=\"__12 _768\"/>d l\u00e4mnar sin befa<span class=\"__12 _768\"/>ttning i koncernledningen.<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:12.908623px; bottom:802.8743px;\">Den samlade intj\u00e4nade ers\u00e4ttningen f<span class=\"__12 _768\"/>\u00f6r 2022 uppgick till<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:789.3491px;\">1 288 856 euro.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 he_11 ff2_12 fs4_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:762.24414px;\">Ers\u00e4ttning till koncernledningen<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:748.715px;\">Ers\u00e4ttning till \u00f6vriga medlemmar i koncernl<span class=\"__12 _768\"/>edningen ing\u00e5r<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:735.1898px;\">f\u00f6r den tid som de inneha<span class=\"__12 _768\"/>ft sin befa<span class=\"__12 _768\"/>ttning och omf<span class=\"__12 _768\"/>atta<span class=\"__12 _768\"/>ts a<span class=\"__12 _768\"/>v<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:721.6646px;\">NIP 2022 och L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:12.908623px; bottom:708.1394px;\">En ny medlem i koncernledningen uts\u00e5gs den 1 april 2022<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:694.6142px;\">och en medlem av<span class=\"__12 _768\"/>gick den 31 mars 2022 och har l\u00e4mnat<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:681.089px;\">Nordea.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls2_11 ws0_12\" style=\"left:12.908623px; bottom:667.56384px;\">Inga rekryteringsbonusar eller utk\u00f6p godk\u00e4ndes under 2022.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:12.908623px; bottom:654.03864px;\">NIP 2022 f<span class=\"__12 _768\"/>\u00f6r koncernl<span class=\"__12 _768\"/>edningen baserades p\u00e5 speci\ufb01ka m\u00e5l<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:640.5134px;\">och kan uppg\u00e5 till h\u00f6gst 75 proc<span class=\"__12 _768\"/>ent a<span class=\"__12 _768\"/>v den f<span class=\"__12 _768\"/>asta grundl\u00f6nen<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:626.9882px;\">f\u00f6r de medlemmar i k<span class=\"__12 _768\"/>oncernledningen som erbjuds L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:613.463px;\">2022\u2013202<span class=\"__12 _768\"/>4 och 100 procen<span class=\"__12 _768\"/>t f<span class=\"__12 _768\"/>\u00f6r \u00f6vriga. F<span class=\"__12 _768\"/>\u00f6r 2022 uppgick till-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:599.9378px;\">delningen fr\u00e5n NIP<span class=\"__12 _768\"/> till 4 148 166 euro<span class=\"__12 _768\"/>.<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:12.908623px; bottom:586.4126px;\">F\u00f6r 2022 uppgick IFRS 2-k<span class=\"__12 _768\"/>ostnaden till 279 558 euro f\u00f6r<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:572.8874px;\">L<span class=\"__12 _be_5\"/>TIP 2020\u20132022, 903 994 eur<span class=\"__12 _768\"/>o f\u00f6r L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _768\"/> 2021\u2013<span class=\"__12 _768\"/>2023 och<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:559.36224px;\">703 288 euro f<span class=\"__12 _768\"/>\u00f6r L<span class=\"__12 _be_5\"/>TIP 2022\u2013202<span class=\"__12 _768\"/>4.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:12.908623px; bottom:545.83704px;\">Medlemmarna i koncernledningen m\u00e5st<span class=\"__12 _768\"/>e beh\u00e5lla en stor<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:532.3118px;\">andel av de tilldelade ak<span class=\"__12 _768\"/>tierna fr<span class=\"__12 _768\"/>\u00e5n L<span class=\"__12 _be_5\"/>TIP 2020\u2013<span class=\"__12 _768\"/>2022, L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:518.7866px;\">2021\u2013<span class=\"__12 _768\"/>2023 och L<span class=\"__12 _be_5\"/>TIP 2022\u2013202<span class=\"__12 _768\"/>4 till dess att det samlade v<span class=\"__12 _768\"/>\u00e4r-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:505.2614px;\">det av ak<span class=\"__12 _768\"/>tierna motsv<span class=\"__12 _768\"/>arar 100 proc<span class=\"__12 _768\"/>ent a<span class=\"__12 _768\"/>v deras r<span class=\"__12 _768\"/>espek<span class=\"__12 _768\"/>tive<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:491.7362px;\">fas<span class=\"__12 _768\"/>ta brutto\u00e5rsl\u00f6n. Dessa aktier m\u00e5s<span class=\"__12 _768\"/>te beh\u00e5llas till dess att<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:478.21103px;\">personen l\u00e4mnar sin befattning i k<span class=\"__12 _768\"/>oncernledningen.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:12.908623px; bottom:464.68582px;\">Pensionsplanerna f<span class=\"__12 _768\"/>\u00f6r de \u00f6vriga tio medlemmarna i kon-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:451.1606px;\">cernledningen ser olika ut beroende p\u00e5 de na<span class=\"__12 _768\"/>tionella f\u00f6rh\u00e5l<span class=\"__12 _768\"/>-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:437.6354px;\">landena. Pensionsplanerna \u00e4r a<span class=\"__12 _768\"/>vgiftsbes<span class=\"__12 _768\"/>t\u00e4mda eller en kom-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:424.11023px;\">bination a<span class=\"__12 _768\"/>v a<span class=\"__12 _768\"/>vgiftsbest\u00e4mda och f<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4mda<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:410.58502px;\">pensionsplaner<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:12.908623px; bottom:397.0598px;\">Per den 31 december 2022 hade tr<span class=\"__12 _768\"/>e medlemmar pensions-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:383.5346px;\">planer i enlighet med svenska kollek<span class=\"__12 _768\"/>tiva<span class=\"__12 _768\"/>vtal, B<span class=\"__12 _768\"/>TP1 (av<span class=\"__12 _768\"/>giftsbe-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:370.00943px;\">st\u00e4md pension) och B<span class=\"__12 _768\"/>TP2 (f\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4md pension), med<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:356.48422px;\">kompletterande a<span class=\"__12 _a_11\"/>vgiftsbest\u00e4mda pensionsplaner ut\u00f6ver k<span class=\"__12 _768\"/>ol-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:342.959px;\">lektiv<span class=\"__12 _768\"/>avt<span class=\"__12 _768\"/>alet. Pensionspremierna uppgick sammant<span class=\"__12 _768\"/>aget till<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:329.4338px;\"><span class=\"__12 _777\">30 procen</span><span class=\"__12 _768\"/>t av den f<span class=\"__12 _768\"/>ast<span class=\"__12 _768\"/>a grundl\u00f6nen.<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:12.908623px; bottom:315.90863px;\">T<span class=\"__12 _a_11\"/>v\u00e5 medlemmar hade en avgiftsbe<span class=\"__12 _768\"/>st\u00e4md pensionsplan i<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:302.38342px;\">enlighet med dansk praxis. Pensionspr<span class=\"__12 _768\"/>emierna uppgick sam-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:288.85822px;\">mantaget till 30 pr<span class=\"__12 _768\"/>ocent a<span class=\"__12 _768\"/>v den f<span class=\"__12 _768\"/>asta grundl\u00f6nen.<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:12.908623px; bottom:275.333px;\">Fyra medlemmar om<span class=\"__12 _768\"/>fa<span class=\"__12 _768\"/>ttades a<span class=\"__12 _768\"/>v det lagstadgade \ufb01nska<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:261.80783px;\">pensionssystemet och hade i till\u00e4gg en a<span class=\"__12 _768\"/>vgiftsbes<span class=\"__12 _768\"/>t\u00e4md pen-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:248.28262px;\">sionsplan motsvar<span class=\"__12 _768\"/>ande 8,5 procent a<span class=\"__12 _a_11\"/>v den fasta grundl\u00f6nen.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:12.908623px; bottom:234.75742px;\">En medlem saknar pensionsavt<span class=\"__12 _768\"/>al med Nordea.<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 he_11 ff2_12 fs4_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:207.55089px;\">Uppskjuten r\u00f6rlig ers\u00e4ttning i f<span class=\"__12 _768\"/>orm a<span class=\"__12 _768\"/>v Nordeaak<span class=\"__12 _768\"/>tier<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:194.02191px;\">En del av tilldelningen f<span class=\"__12 _768\"/>r\u00e5n EIP<span class=\"__12 _768\"/> 2019, EIP<span class=\"__12 _768\"/> 2020 och EIP 2021<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:180.49672px;\">f\u00f6r k<span class=\"__12 _768\"/>oncernledningen har skjutits upp, med fr<span class=\"__12 _768\"/>amtida bet<span class=\"__12 _768\"/>al-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:166.97151px;\">ning i form a<span class=\"__12 _768\"/>v Nordeaak<span class=\"__12 _768\"/>tier<span class=\"__12 _a_11\"/>. Even<span class=\"__12 _768\"/>tuella Nordeaak<span class=\"__12 _768\"/>tier som till-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:153.44632px;\">delas fr\u00e5n NIP<span class=\"__12 _768\"/> 2022 liksom den villkor<span class=\"__12 _768\"/>ade aktietilldelningen<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:139.92111px;\">fr\u00e5n L<span class=\"__12 _be_5\"/>TIP 2020\u2013<span class=\"__12 _768\"/>2022 per 31 december 2022 ing\u00e5r in<span class=\"__12 _768\"/>te i tabel<span class=\"__12 _768\"/>-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:126.39592px;\">len nedan.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hd_11 ff4_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:986.27924px;\">K8.4  Ers\u00e4ttning till nyckelpersoner i ledande positioner<span class=\"__12 _768\"/>, forts.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h7_11 ff1_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:951.6515px;\">Nordeaaktier<span class=\"ff2_12 fs0_12\"> </span>\u2013 till<span class=\"__12 _768\"/>delade och uppskjutna<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:551.7095px; bottom:935.1175px;\">2022<span class=\"__12 _d_11\"> </span>2021<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:917.97424px;\">Koncernchef:<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:900.82983px;\">Frank V<span class=\"__12 _a_11\"/>ang-<span class=\"__12 _768\"/>Jensen<span class=\"__12 _10f_4\"> </span>64 100<span class=\"__12 _801\"> </span>45 001<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:883.6854px;\">Vice vd:<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:866.541px;\">Jussi Koskinen<span class=\"__12 _878\"> </span>28 578<span class=\"__12 _801\"> </span>21 604<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:849.39667px;\">Koncernledning:<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:832.25226px;\">10 (10) personer exkl. koncernchef<span class=\"__12 _768\"/>en  </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:821.20483px;\">och vice vd:<span class=\"__12 _879\"> </span>275 483<span class=\"__12 _806\"> </span>227 775<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:804.0604px;\">Summa<span class=\"__12 _880\"> </span>368 161<span class=\"__12 _773\"> </span>294 380<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:780.09106px;\">Tidigare koncernchef:<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:762.94666px;\">Casper von Kosk<span class=\"__12 _768\"/>ull<span class=\"__12 _10f_4\"> </span>20 483<span class=\"__12 _2c_6\"> </span>20 483<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:745.80225px;\">Tidigare Group COO och  </div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:734.7548px;\">st\u00e4llf\u00f6r<span class=\"__12 _768\"/>etr\u00e4dande koncernche<span class=\"__12 _768\"/>f:<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:717.6104px;\">T<span class=\"__12 _a_11\"/>orsten Hagen J\u00f8rgensen <span class=\"__12 _881\"> </span>12 9<span class=\"ls11_10 ws1b_10\">97<span class=\"__12 _3d_6\"> </span></span>12 997<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:700.46606px;\">Summa <span class=\"__12 _ee_5\"> </span>401 641<span class=\"__12 _809\"> </span>327 860<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 he_11 ff2_12 fs4_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:673.45776px;\">Pensionsf<span class=\"__12 _768\"/>\u00f6rplik<span class=\"__12 _768\"/>telser<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:659.9288px;\">Pensionsplanerna \u00e4r f<span class=\"__12 _768\"/>onderade, vilket inneb\u00e4r a<span class=\"__12 _768\"/>tt pensions-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:646.40356px;\">f\u00f6rplik<span class=\"__12 _768\"/>telserna t\u00e4cks a<span class=\"__12 _a_11\"/>v f\u00f6rvaltningstillg\u00e5ngar vars verkliga<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:632.8784px;\">v\u00e4rde i huvudsak mo<span class=\"__12 _768\"/>tsvarar v<span class=\"__12 _768\"/>\u00e4rdet a<span class=\"__12 _768\"/>v f<span class=\"__12 _768\"/>\u00f6rpliktels<span class=\"__12 _768\"/>erna.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:333.50226px; bottom:619.3532px;\">Pensionsf<span class=\"__12 _768\"/>\u00f6rplikt<span class=\"__12 _768\"/>elser (v\u00e4r<span class=\"__12 _768\"/>det av sk<span class=\"__12 _768\"/>ulderna f\u00f6r f<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbe-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:605.828px;\">st\u00e4mda pensionsplaner) ber\u00e4knas i enlighet med IAS 19.  F<span class=\"__12 _768\"/>\u00f6r<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:592.3028px;\">ytterligare in<span class=\"__12 _768\"/>forma<span class=\"__12 _768\"/>tion, se not K8.2 \u201dPensioner<span class=\"__12 _b_11\"/>\u201d<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:333.50226px; bottom:578.7776px;\">Kostnaderna f<span class=\"__12 _768\"/>\u00f6r f<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbest\u00e4mda pensionsplaner till<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:565.2524px;\">nyckelpersoner i ledande positioner uppgick 2022 till 0 mn<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:551.7272px;\">euro (0 mn euro<span class=\"__12 _768\"/>).<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:333.50226px; bottom:538.20197px;\">Pensionsf<span class=\"__12 _768\"/>\u00f6rplikt<span class=\"__12 _768\"/>elserna i tabellen nedan speglar det ber\u00e4k<span class=\"__12 _768\"/>-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:524.6768px;\">nade v\u00e4rdet enligt IAS 19 den 31 december 2022 r<span class=\"__12 _768\"/>espektiv<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:511.1516px;\">2021. Minskningen j\u00e4mf<span class=\"__12 _768\"/>\u00f6rt med 2021 beror huvudsakligen p\u00e5<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:497.6264px;\">pensionsutbetalningar till pensionerade ledande bef<span class=\"__12 _768\"/>attnings-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:484.1012px;\">hav<span class=\"__12 _768\"/>are under \u00e5ret, h\u00f6gre diskon<span class=\"__12 _768\"/>teringsr\u00e4n<span class=\"__12 _768\"/>tor vid v<span class=\"__12 _768\"/>\u00e4rderingen<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:470.576px;\">av f<span class=\"__12 _768\"/>\u00f6rplik<span class=\"__12 _768\"/>telser vid utg\u00e5ngen a<span class=\"__12 _768\"/>v 2022 och v<span class=\"__12 _768\"/><span class=\"__12 _777\">alutaeff</span><span class=\"__12 _768\"/>ekt<span class=\"__12 _768\"/>er fr\u00e5n<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:457.05078px;\">f\u00f6rplik<span class=\"__12 _768\"/>telser i sv<span class=\"__12 _768\"/>enska kronor<span class=\"__12 _a_11\"/>. Det \ufb01nns inga f\u00f6rplikt<span class=\"__12 _768\"/>elser f<span class=\"__12 _768\"/>\u00f6r<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:443.52557px;\">f\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4mda pensioner gent<span class=\"__12 _768\"/>emot Nordeas k<span class=\"__12 _768\"/>oncernchef<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:430.0004px;\">eller vice vd.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls10_10 ws18_10\" style=\"left:325.77078px; bottom:399.87094px;\">Euro<span class=\"__12 _8f_4\"> </span><span class=\"ls0_12 ws0_12\">2022<span class=\"__12 _815\"> </span>2021<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:382.72784px;\">Koncernledningen:<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:365.58344px;\">3 (3) individer i Sverige<span class=\"__12 _882\"> </span>756 087<span class=\"__12 _807\"> </span>1 241 536<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:348.46634px;\">Tidigare styrelseor<span class=\"__12 _768\"/>df\u00f6rande, k<span class=\"__12 _768\"/>oncernchef<span class=\"__12 _768\"/>er<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:337.41895px;\">och st\u00e4llf\u00f6r<span class=\"__12 _768\"/>etr\u00e4dande koncernche<span class=\"__12 _768\"/>fer:<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:320.27454px;\">V<span class=\"__12 _768\"/>esa V<span class=\"__12 _768\"/>ainio<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hf_11 ff2_12 fs8_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:372.97195px; bottom:323.4589px;\">1<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:531.9058px; bottom:320.82666px;\">4 105 734<span class=\"__12 _799\"> </span>4 667 760<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:303.12714px;\">Lars G Nordstr\u00f6m<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:539.8104px; bottom:303.68225px;\">243 140<span class=\"__12 _4c_4\"> </span>289 220<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:285.98276px;\">Casper von Kosk<span class=\"__12 _768\"/>ull<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:538.0028px; bottom:286.53784px;\">338 920<span class=\"__12 _4a_4\"> </span>4<span class=\"__12 _b_11\"/>28 311<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:269.39346px;\">Summa<span class=\"__12 _883\"> </span>5 443 881<span class=\"__12 _777\"> </span></div><div class=\"t_12 m1_7 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:583.2482px; bottom:269.39734px;\">6 626 827<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hb_11 ff2_12 fs6_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:325.77078px; bottom:249.73914px;\">1) Pensionsf\u00f6rplik<span class=\"__12 _768\"/>telserna h\u00e4rr\u00f6r f<span class=\"__12 _768\"/>r\u00e4mst fr<span class=\"__12 _768\"/>\u00e5n f\u00f6rm\u00e5nsbest\u00e4mda pensionsr<span class=\"__12 _768\"/>\u00e4tter intj\u00e4<span class=\"__12 _768\"/>-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hb_11 ff2_12 fs6_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:335.5729px; bottom:240.89914px;\">nade i, och \ufb01nansierade av<span class=\"__12 _a_11\"/>, de banker som bildat Nordea.<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 he_11 ff2_12 fs4_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:219.04094px;\">Upps\u00e4gningstid och a<span class=\"__12 _768\"/>vg\u00e5ngsvederlag<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:205.51184px;\">I enlighet med tj\u00e4nstg\u00f6ringsvillkor<span class=\"__12 _768\"/>en har koncernchef<span class=\"__12 _768\"/>en en<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:191.98663px;\">upps\u00e4gningstid p\u00e5 12 m\u00e5nader och Nordea en upps\u00e4gnings-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:178.46144px;\">tid p\u00e5 12 m\u00e5nader<span class=\"__12 _a_11\"/>. Koncernchefen har ett a<span class=\"__12 _768\"/>vg\u00e5ngsv<span class=\"__12 _768\"/>ederlag<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:164.93623px;\">p\u00e5 12 m\u00e5nadsl\u00f6ner<span class=\"__12 _a_11\"/>, vilket minskas av l\u00f6n fr<span class=\"__12 _768\"/>\u00e5n even<span class=\"__12 _768\"/>tuell annan<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:151.41104px;\">anst\u00e4llning under dessa 12 m\u00e5nader<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:333.50226px; bottom:137.88583px;\">Vice vd och tio medlemmar i konc<span class=\"__12 _768\"/>ernledningen har en<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:124.36064px;\">upps\u00e4gningstid p\u00e5 6 m\u00e5nader och Nordea en upps\u00e4gnings<span class=\"__12 _768\"/>tid<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:110.835434px;\">p\u00e5 12 m\u00e5nader<span class=\"__12 _a_11\"/>. Ett avg\u00e5ngsvederlag p\u00e5 12 m\u00e5nader l\u00e4mnas,<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:97.31024px;\">vilket minskas a<span class=\"__12 _768\"/>v l\u00f6n fr\u00e5n e<span class=\"__12 _768\"/>ven<span class=\"__12 _768\"/>tuell annan anst\u00e4llning under<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:83.78504px;\">dessa 12 m\u00e5nader<span class=\"__12 _a_11\"/>. Vidare till\u00e4mpas konkurrensklausuler<span class=\"__12 _a_11\"/>. Inga<span class=\"__12 _777\"> </span> </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:70.25984px;\">\u00e5taganden om a<span class=\"__12 _768\"/>vg\u00e5ngsv<span class=\"__12 _768\"/>ederlag gjordes gent<span class=\"__12 _768\"/>emot medlem-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:56.734642px;\">marna i koncernledningen under 2021 och 2022.<span class=\"__12 _777\"> </span></div>K8.5 <span class=\"__12 _787\"> </span> <span class=\"__12 _f6_4\"/>F<span class=\"__12 _768\"/>\u00f6rdelning eft<span class=\"__12 _768\"/>er k\u00f6n<span class=\"__12 _777\"> </span>och antal ans<span class=\"__12 _768\"/>t\u00e4llda<span class=\"__12 _777\"> </span>F<span class=\"__12 _768\"/>\u00f6rdelning efter k<span class=\"__12 _768\"/>\u00f6n, ledande befa<span class=\"__12 _768\"/>ttningsha<span class=\"__12 _768\"/>var<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span>I moderf\u00f6retagets s<span class=\"__12 _768\"/>tyrelse v<span class=\"__12 _768\"/>ar 50 procen<span class=\"__12 _768\"/>t (60 procen<span class=\"__12 _768\"/>t) a<span class=\"__12 _768\"/>v<span class=\"__12 _777\"> </span>styrelseledam\u00f6t<span class=\"__12 _768\"/>erna som bolagsst\u00e4mman utsett m\u00e4n och<span class=\"__12 _777\"> </span><span class=\"__12 _777\">50 procen</span><span class=\"__12 _768\"/>t (<span class=\"__12 _768\"/>40 procen<span class=\"__12 _768\"/>t) kvinnor<span class=\"__12 _a_11\"/>. I styrelserna f\u00f6r <span class=\"ws13_11\">Nor<span class=\"__12 _768\"/>dea<span class=\"ls0_12 ws0_12\">-<span class=\"__12 _777\"> </span></span></span>koncernens f<span class=\"__12 _768\"/>\u00f6retag v<span class=\"__12 _768\"/>ar 63 procen<span class=\"__12 _768\"/>t (68 procen<span class=\"__12 _768\"/>t) m\u00e4n och<span class=\"__12 _777\"> </span><span class=\"__12 _777\">37 procen</span><span class=\"__12 _768\"/><span class=\"__12 _777\">t (32 procen</span><span class=\"__12 _768\"/>t) kvinnor<span class=\"__12 _a_11\"/><span class=\"__12 _777\">. Motsvarande siffr</span><span class=\"__12 _768\"/>or f\u00f6r \u00f6<span class=\"__12 _768\"/>vriga<span class=\"__12 _777\"> </span>ledande befa<span class=\"__12 _768\"/>ttningshav<span class=\"__12 _768\"/>are v<span class=\"__12 _768\"/>ar 63 procen<span class=\"__12 _768\"/>t (71 procen<span class=\"__12 _768\"/>t) m\u00e4n<span class=\"__12 _777\"> </span>och 37 procen<span class=\"__12 _768\"/>t (29 procen<span class=\"__12 _768\"/>t) kvinnor<span class=\"__12 _a_11\"/>. Interna styrelser ut<span class=\"__12 _768\"/>g\u00f6rs<span class=\"__12 _777\"> </span>fr\u00e4ms<span class=\"__12 _768\"/>t av ledningen inom <span class=\"ws13_11\">Nor<span class=\"__12 _768\"/>dea<span class=\"ws1c_10\">, <span class=\"__12 _1a_8\"> </span>arbetstagar repr<span class=\"__12 _768\"/>esen<span class=\"__12 _768\"/>tant<span class=\"__12 _768\"/>er </span></span>\u00e4r exkluder<span class=\"__12 _768\"/>ade.<span class=\"__12 _777\"> </span>Betalningar till tidigare medlemmar i koncernl<span class=\"__12 _768\"/>edningen,<span class=\"__12 _777\"> </span>som utg\u00f6rs av l\u00f6n under upps\u00e4gnings<span class=\"__12 _768\"/>tid och tid i konkurr<span class=\"__12 _768\"/>ens-<span class=\"__12 _777\"> </span>relater<span class=\"__12 _768\"/>ad karan<span class=\"__12 _768\"/>t\u00e4n sam<span class=\"__12 _768\"/>t avs\u00e4<span class=\"__12 _768\"/>ttningar f<span class=\"__12 _768\"/>\u00f6r fram<span class=\"__12 _768\"/>tida betalningar<span class=\"__12 _777\"> </span>under konkurrensr<span class=\"__12 _768\"/>elater<span class=\"__12 _768\"/>ad karan<span class=\"__12 _768\"/>t\u00e4n, har kos<span class=\"__12 _768\"/>tnadsf\u00f6rts under<span class=\"__12 _777\"> </span>2022 men ing\u00e5r inte i ers\u00e4ttnings<span class=\"__12 _768\"/>tabellerna. Dessa betalning-<span class=\"__12 _777\"> </span>ar och avs\u00e4<span class=\"__12 _768\"/>ttningar uppgick till total<span class=\"__12 _768\"/>t 1 271 790 euro.<span class=\"__12 _777\"> </span>Skadeers\u00e4ttning<span class=\"__12 _777\"> </span>Nordea Bank Abp har \u00e5<span class=\"__12 _768\"/>tagit sig att ers\u00e4tt<span class=\"__12 _768\"/>a medlemmarna i<span class=\"__12 _777\"> </span>koncernledningen f<span class=\"__12 _768\"/>\u00f6r utgifter i samband med juridisk r<span class=\"__12 _768\"/>\u00e5dgiv-<span class=\"__12 _777\"> </span>ning f\u00f6r a<span class=\"__12 _768\"/>tt f\u00f6rsvar<span class=\"__12 _768\"/>a sig emot eller bes<span class=\"__12 _768\"/>trida vissa st\u00e4mningar<span class=\"__12 _777\"> </span>eller utredningar fr<span class=\"__12 _768\"/>\u00e5n tredje part, dock med undantag f\u00f6r<span class=\"__12 _777\"> </span>brott eller handlingar som beg\u00e5<span class=\"__12 _768\"/>tts upps\u00e5tligen eller a<span class=\"__12 _768\"/>v gro<span class=\"__12 _768\"/>v<span class=\"__12 _777\"> </span>oaktsamhet. Ers\u00e4ttningen f\u00f6r r<span class=\"__12 _768\"/>espektiv<span class=\"__12 _768\"/>e medlem i koncern-<span class=\"__12 _777\"> </span>ledningen kan som h\u00f6gst uppg\u00e5 till 37<span class=\"__12 _a_11\"/>,5 mn euro, s\u00e5<span class=\"__12 _768\"/>vida in<span class=\"__12 _768\"/>te<span class=\"__12 _777\"> </span>K8.4  Ers\u00e4ttning till nyckelpersoner i ledande positioner<span class=\"__12 _768\"/>, forts.<span class=\"__12 _777\"> </span>styrelsen f<span class=\"__12 _768\"/>r\u00e5n f<span class=\"__12 _768\"/>all till fall besl<span class=\"__12 _768\"/>utar annat. Nordea k\u00f6per<span class=\"__12 _777\"> </span>ansvarsf\u00f6rs\u00e4kring f<span class=\"__12 _768\"/>\u00f6r ledande bef<span class=\"__12 _768\"/>attningsha<span class=\"__12 _768\"/>vare s<span class=\"__12 _768\"/>om t\u00e4cker<span class=\"__12 _777\"> </span>styrelsens och ledningens personliga ansv<span class=\"__12 _768\"/>ar samt det ansv<span class=\"__12 _768\"/>ar<span class=\"__12 _777\"> </span>som banken har till f<span class=\"__12 _768\"/>\u00f6ljd av sitt \u00e5<span class=\"__12 _768\"/>tagande om gott<span class=\"__12 _768\"/>g\u00f6relse. Vill-<span class=\"__12 _777\"> </span>koren, inklusiv<span class=\"__12 _768\"/>e f\u00f6rs\u00e4kringens to<span class=\"__12 _768\"/>tala ansvarsbegr\u00e4nsning, \u00e4r i<span class=\"__12 _777\"> </span>linje med andra st<span class=\"__12 _768\"/>ora europeiska bank<span class=\"__12 _768\"/>er<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>Den ordinarie bolagsst\u00e4mman besl<span class=\"__12 _768\"/>utade ocks\u00e5 att bolaget<span class=\"__12 _777\"> </span>ska betala eller ers\u00e4tta styr<span class=\"__12 _768\"/>elseledam\u00f6terna f<span class=\"__12 _768\"/>\u00f6r alla kos<span class=\"__12 _768\"/>tna-<span class=\"__12 _777\"> </span>der och utgifter som a<span class=\"__12 _768\"/>vser eller uppst<span class=\"__12 _768\"/>\u00e5r med anledning av<span class=\"__12 _777\"> </span>styrelseuppdr<span class=\"__12 _768\"/>aget, s\u00e5som resor<span class=\"__12 _a_11\"/>, logistik och boende liksom<span class=\"__12 _777\"> </span>kostnader f<span class=\"__12 _768\"/>\u00f6r r\u00e5dgivning, r<span class=\"__12 _768\"/>\u00e4ttshj\u00e4lp och administr<span class=\"__12 _768\"/>ation. K<span class=\"__12 _768\"/>ost-<span class=\"__12 _777\"> </span>naderna f\u00f6r r<span class=\"__12 _768\"/>\u00e4ttshj\u00e4lp kan e<span class=\"__12 _768\"/>xempel<span class=\"__12 _768\"/>vis innef<span class=\"__12 _768\"/>atta advok<span class=\"__12 _768\"/>atkos<span class=\"__12 _768\"/>t-<span class=\"__12 _777\"> </span>nader i samband med anspr\u00e5k som rik<span class=\"__12 _768\"/>tats mo<span class=\"__12 _768\"/>t en styrelsele-<span class=\"__12 _777\"> </span>damot, f\u00f6rutsatt a<span class=\"__12 _768\"/>tt ledamoten in<span class=\"__12 _768\"/>te funnits ansv<span class=\"__12 _768\"/>arig f<span class=\"__12 _768\"/>\u00f6r felak<span class=\"__12 _768\"/>-<span class=\"__12 _777\"> </span>tigt agerande eller gro<span class=\"__12 _768\"/>v oaktsamhet.<span class=\"__12 _777\"> </span>Medelantal anst\u00e4llda, omr<span class=\"__12 _768\"/>\u00e4knat till hel<span class=\"__12 _768\"/>tidstj\u00e4nst<span class=\"__12 _768\"/>er<span class=\"__12 _777\"> </span>Summa<span class=\"__12 _823\"> </span>M\u00e4n<span class=\"__12 _823\"> </span>Kvinnor<span class=\"__12 _777\"> </span>2022<span class=\"__12 _a0_4\"> </span>2021<span class=\"__12 _1d_8\"> </span>2022<span class=\"__12 _a0_4\"> </span>2021<span class=\"__12 _791\"> </span>2022<span class=\"__12 _791\"> </span>2021<span class=\"__12 _777\"> </span>Danmark<span class=\"__12 _884\"> </span>6 714<span class=\"__12 _3c_6\"> </span>6 854<span class=\"__12 _781\"> </span>3 885<span class=\"__12 _1f_8\"> </span>3 981<span class=\"__12 _781\"> </span>2 829<span class=\"__12 _1f_8\"> </span>2 873<span class=\"__12 _777\"> </span>Sverige<span class=\"__12 _885\"> </span>6 103<span class=\"__12 _3c_6\"> </span>6 049<span class=\"__12 _781\"> </span>2 985<span class=\"__12 _3c_6\"> </span>2 960<span class=\"__12 _d_11\"> </span>3 118<span class=\"__12 _3c_6\"> </span>3 089<span class=\"__12 _777\"> </span>Finland<span class=\"__12 _886\"> </span>5 920<span class=\"__12 _1f_8\"> </span>5 818<span class=\"__12 _781\"> </span>2 4<span class=\"__12 _b_11\"/>35<span class=\"__12 _779\"> </span>2 316<span class=\"__12 _781\"> </span>3 485<span class=\"__12 _1f_8\"> </span>3 502<span class=\"__12 _777\"> </span>Polen<span class=\"__12 _887\"> </span>4 623<span class=\"__12 _3c_6\"> </span>4 586<span class=\"__12 _781\"> </span>2 4<span class=\"__12 _b_11\"/>39<span class=\"__12 _781\"> </span>2 544<span class=\"__12 _1f_8\"> </span>2 184<span class=\"__12 _781\"> </span>2 04<span class=\"__12 _b_11\"/>2<span class=\"__12 _777\"> </span>Norge<span class=\"__12 _11a_5\"> </span>2 775<span class=\"__12 _3c_6\"> </span>2 86<span class=\"__12 _b_11\"/>4<span class=\"__12 _1f_8\"> </span>1 47<span class=\"__12 _b_11\"/>9<span class=\"__12 _815\"> </span>1 535<span class=\"__12 _1f_8\"> </span>1 296<span class=\"__12 _815\"> </span>1 329<span class=\"__12 _777\"> </span>Estland<span class=\"__12 _11a_5\"> </span>883<span class=\"__12 _867\"> </span>718<span class=\"__12 _d1_4\"> </span>292<span class=\"__12 _6e_4\"> </span><span class=\"ls3_11 ws3_11\">244<span class=\"__12 _867\"> </span></span>591<span class=\"__12 _d1_4\"> </span><span class=\"ls9_11 wsd_11\">4<span class=\"__12 _816\"/>74<span class=\"__12 _777\"> </span></span>Luxembur<span class=\"__12 _768\"/>g<span class=\"__12 _ab_4\"> </span>184<span class=\"__12 _d1_4\"> </span>190<span class=\"__12 _783\"> </span>122<span class=\"__12 _d1_4\"> </span>104<span class=\"__12 _6d_4\"> </span>62<span class=\"__12 _796\"> </span>86<span class=\"__12 _777\"> </span>USA<span class=\"__12 _11b_5\"> </span><span class=\"ls0_12 ws0_12\">102<span class=\"__12 _843\"> </span>111<span class=\"__12 _796\"> </span>46<span class=\"__12 _6d_4\"> </span>50<span class=\"__12 _6d_4\"> </span>56<span class=\"__12 _8e_4\"> </span>61<span class=\"__12 _777\"> </span></span>Storbritannien<span class=\"__12 _bd_5\"> </span>32<span class=\"__12 _796\"> </span>38<span class=\"__12 _8e_4\"> </span>22<span class=\"__12 _6d_4\"> </span><span class=\"lsa_11 wse_11\">25<span class=\"__12 _8e_4\"> </span></span>10<span class=\"__12 _4b_4\"> </span>13<span class=\"__12 _777\"> </span>Kina<span class=\"__12 _11c_5\"> </span>27<span class=\"__12 _8e_4\"> </span>27<span class=\"__12 _4b_4\"> </span>13<span class=\"__12 _4b_4\"> </span>13<span class=\"__12 _4b_4\"> </span><span class=\"ls4_11 ws8_11\">14<span class=\"__12 _8e_4\"> </span>14<span class=\"__12 _777\"> </span></span>T<span class=\"__12 _768\"/>yskland<span class=\"__12 _11d_5\"> </span><span class=\"ls4_11 ws8_11\">17<span class=\"__12 _8e_4\"> </span></span>16<span class=\"__12 _849\"> </span>5<span class=\"__12 _4b_4\"> </span>12<span class=\"__12 _4b_4\"> </span>12<span class=\"__12 _837\"> </span>4<span class=\"__12 _777\"> </span>Portugal<span class=\"__12 _11e_5\"> </span>37<span class=\"__12 _4b_4\"> </span>13<span class=\"__12 _6d_4\"> </span><span class=\"ls3_11 ws3_11\">24<span class=\"__12 _849\"> </span></span>5<span class=\"__12 _4b_4\"> </span>13<span class=\"__12 _837\"> </span>8<span class=\"__12 _777\"> </span>Italien<span class=\"__12 _11f_5\"> </span>11<span class=\"__12 _2a_6\"> </span>11<span class=\"__12 _849\"> </span>2<span class=\"__12 _837\"> </span>8<span class=\"__12 _4f_4\"> </span>9<span class=\"__12 _849\"> </span>3<span class=\"__12 _777\"> </span>Spanien<span class=\"__12 _888\"> </span>5<span class=\"__12 _4f_4\"> </span>6<span class=\"__12 _849\"> </span>2<span class=\"__12 _837\"> </span>4<span class=\"__12 _837\"> </span>3<span class=\"__12 _849\"> </span>2<span class=\"__12 _777\"> </span>Schweiz<span class=\"__12 _889\"> </span>5<span class=\"__12 _4f_4\"> </span>4<span class=\"__12 _7f_5\"> </span>1<span class=\"__12 _4f_4\"> </span>4<span class=\"__12 _837\"> </span>4<span class=\"__12 _831\"> </span>\u2013<span class=\"__12 _777\"> </span>Frankrik<span class=\"__12 _768\"/>e<span class=\"__12 _890\"> </span>5<span class=\"__12 _4f_4\"> </span>4<span class=\"__12 _849\"> </span>2<span class=\"__12 _837\"> </span>3<span class=\"__12 _849\"> </span>3<span class=\"__12 _5c_4\"> </span>1<span class=\"__12 _777\"> </span>Singapore<span class=\"__12 _891\"> </span>4<span class=\"__12 _4b_4\"> </span>13<span class=\"__12 _837\"> </span>3<span class=\"__12 _849\"> </span>5<span class=\"__12 _5c_4\"> </span>1<span class=\"__12 _4f_4\"> </span>8<span class=\"__12 _777\"> </span>Belgien<span class=\"__12 _892\"> </span>3<span class=\"__12 _837\"> </span>3<span class=\"__12 _7f_5\"> </span>1<span class=\"__12 _837\"> </span>2<span class=\"__12 _849\"> </span>2<span class=\"__12 _5c_4\"> </span>1<span class=\"__12 _777\"> </span>Chile<span class=\"__12 _893\"> </span>2<span class=\"__12 _849\"> </span>2<span class=\"__12 _831\"> </span>\u2013<span class=\"__12 _849\"> </span>2<span class=\"__12 _837\"> </span>2<span class=\"__12 _4f_4\"> </span>\u2013<span class=\"__12 _777\"> </span>\u00d6sterrike<span class=\"__12 _894\"> </span>1<span class=\"__12 _5c_4\"> </span>1<span class=\"__12 _4f_4\"> </span>\u2013<span class=\"__12 _5c_4\"> </span>1<span class=\"__12 _7f_5\"> </span>1<span class=\"__12 _831\"> </span>\u2013<span class=\"__12 _777\"> </span>Ryssland<span class=\"__12 _895\"> </span>\u2013<span class=\"__12 _8e_4\"> </span><span class=\"ls9_11 wsd_11\">74<span class=\"__12 _837\"> </span></span>\u2013<span class=\"__12 _6d_4\"> </span>29<span class=\"__12 _831\"> </span>\u2013<span class=\"__12 _6d_4\"> </span>45<span class=\"__12 _777\"> </span>Summa genomsnitt<span class=\"__12 _857\"> </span>27 453<span class=\"__12 _896\"> </span>27 402<span class=\"__12 _802\"> </span>13 758<span class=\"__12 _896\"> </span>13 847<span class=\"__12 _802\"> </span>13 695<span class=\"__12 _802\"> </span>13 555<span class=\"__12 _777\"> </span>T<span class=\"__12 _a_11\"/>otalt an<span class=\"__12 _768\"/>tal anst\u00e4llda (<span class=\"__12 _768\"/>omr\u00e4knat till hel<span class=\"__12 _768\"/>tidstj\u00e4nster), vid \u00e5rets sl<span class=\"__12 _768\"/>ut<span class=\"__12 _a6_5\"> </span>28 268<span class=\"__12 _797\"> </span>26 894K9 <span class=\"__13 _905\"> </span>Kons<span class=\"__13 _898\"/>olideringens omf<span class=\"__13 _898\"/>a<span class=\"__13 _898\"/>ttning<span class=\"__13 _15e\"> </span>K9.<span class=\"__13 _906\"/>1 <span class=\"__13 _a_12\"> </span>Konsolider<span class=\"__13 _898\"/>ade f<span class=\"__13 _898\"/>\u00f6ret<span class=\"__13 _898\"/>ag<span class=\"__13 _15e\"> </span>Redovisningsprinciper Koncernr<span class=\"__13 _898\"/>edovisningen omf<span class=\"__13 _898\"/>att<span class=\"__13 _898\"/>ar moderf\u00f6retaget <span class=\"ws0_13\">Nor<span class=\"__13 _898\"/>dea<span class=\"ws3_12\"> Bank </span></span>Abp samt de f<span class=\"__13 _898\"/>\u00f6retag som moderf<span class=\"__13 _898\"/>\u00f6retaget har ett bes<span class=\"__13 _898\"/>t\u00e4m-<span class=\"__13 _15e\"> </span>mande inflyt<span class=\"__13 _898\"/>ande \u00f6ver<span class=\"__13 _906\"/>. Best\u00e4mmande inflyt<span class=\"__13 _898\"/>ande f\u00f6r<span class=\"__13 _898\"/>eligger n\u00e4r Nordea \u00e4r e<span class=\"__13 _898\"/>xponerat f<span class=\"__13 _898\"/>\u00f6r vola<span class=\"__13 _898\"/>tilitet i a<span class=\"__13 _898\"/>vkastningen f<span class=\"__13 _898\"/>r\u00e5n sina inves<span class=\"__13 _898\"/>teringar i ett annat f<span class=\"__13 _898\"/>\u00f6retag och kan p\u00e5<span class=\"__13 _898\"/>v<span class=\"__13 _898\"/>erka a<span class=\"__13 _898\"/>vkast-<span class=\"__13 _15e\"> </span>ningen genom sitt inflyt<span class=\"__13 _898\"/>ande \u00f6ver det andr<span class=\"__13 _898\"/>a f\u00f6r<span class=\"__13 _898\"/>etaget. Best\u00e4mmande in<span class=\"__13 _898\"/>flytande uppn\u00e5s i r<span class=\"__13 _898\"/>egel om moderf\u00f6retaget, direkt ell<span class=\"__13 _898\"/>er indirekt genom k<span class=\"__13 _898\"/>oncernf<span class=\"__13 _898\"/>\u00f6ret<span class=\"__13 _898\"/>ag, innehar mer \u00e4n <span class=\"__13 _15e\">50 procen</span><span class=\"__13 _898\"/>t av ak<span class=\"__13 _898\"/>tiernas r\u00f6s<span class=\"__13 _898\"/>tv\u00e4rde. F<span class=\"__13 _898\"/>\u00f6r f<span class=\"__13 _898\"/>\u00f6retag d\u00e4r r<span class=\"__13 _898\"/>\u00f6str\u00e4<span class=\"__13 _898\"/>tterna inte ger bes<span class=\"__13 _898\"/>t\u00e4mmande infl<span class=\"__13 _898\"/>ytande, se a<span class=\"__13 _898\"/>vsnittet \u201dStruk<span class=\"__13 _898\"/>turer<span class=\"__13 _898\"/>ade f\u00f6r<span class=\"__13 _898\"/>etag\u201d nedan.<span class=\"__13 _15e\"> </span>Samtliga konc<span class=\"__13 _898\"/>ernf<span class=\"__13 _898\"/>\u00f6retag k<span class=\"__13 _898\"/>onsolideras i enlighet med f<span class=\"__13 _898\"/>\u00f6r-<span class=\"__13 _15e\"> </span>v\u00e4rvsmetoden. Enligt f\u00f6rv\u00e4rvsmetoden betr<span class=\"__13 _898\"/>aktas k<span class=\"__13 _898\"/>\u00f6pet som en transak<span class=\"__13 _898\"/>tion d\u00e4r moderf\u00f6retaget indir<span class=\"__13 _898\"/>ekt f<span class=\"__13 _898\"/>\u00f6rv\u00e4rvar kon-<span class=\"__13 _15e\"> </span>cernf<span class=\"__13 _898\"/>\u00f6retagets tillg\u00e5ngar och \u00f6<span class=\"__13 _898\"/>vertar dess skulder och ev<span class=\"__13 _898\"/>en-<span class=\"__13 _15e\"> </span>tualf\u00f6rplik<span class=\"__13 _898\"/>telser<span class=\"__13 _906\"/><span class=\"__13 _15e\">. Koncernens anskaffningsv</span><span class=\"__13 _898\"/>\u00e4rde ber\u00e4knas med hj\u00e4lp av en f<span class=\"__13 _898\"/>\u00f6rv\u00e4rvsanalys. Vid analys<span class=\"__13 _898\"/>en fas<span class=\"__13 _898\"/>tst\u00e4lls <span class=\"__13 _15e\">anskaffningsv</span><span class=\"__13 _898\"/>\u00e4rdet till summan, p\u00e5 \u00f6v<span class=\"__13 _898\"/>erl\u00e5telsedagen, a<span class=\"__13 _898\"/>v verkligt v\u00e4r<span class=\"__13 _898\"/>de p\u00e5 \u00f6verl\u00e5<span class=\"__13 _898\"/>tna tillg\u00e5ngar<span class=\"__13 _898\"/>, uppk<span class=\"__13 _898\"/>omna eller \u00f6ver-<span class=\"__13 _15e\"> </span>tagna skulder sam<span class=\"__13 _898\"/>t av f<span class=\"__13 _898\"/>\u00f6rv\u00e4rvaren emitt<span class=\"__13 _898\"/>erade eget kapital<span class=\"__13 _898\"/>-<span class=\"__13 _15e\"> </span>instrument, i utbyte mo<span class=\"__13 _898\"/>t de f\u00f6rv\u00e4rvade iden<span class=\"__13 _898\"/>ti\ufb01erbara nett<span class=\"__13 _898\"/>otill-<span class=\"__13 _15e\"> </span>g\u00e5ngarna. Kostnader s<span class=\"__13 _898\"/>om \u00e4r direk<span class=\"__13 _898\"/>t h\u00e4nf<span class=\"__13 _898\"/>\u00f6rliga till r\u00f6relse<span class=\"__13 _898\"/>f\u00f6r-<span class=\"__13 _15e\"> </span>v\u00e4rvet kostnadsf<span class=\"__13 _898\"/>\u00f6rs. P\u00e5 f<span class=\"__13 _898\"/>\u00f6rv\u00e4rvsdagen redovisar Nordea de f<span class=\"__13 _898\"/>\u00f6rv\u00e4rvade iden<span class=\"__13 _898\"/>ti-<span class=\"__13 _15e\"> </span>\ufb01erbara tillg\u00e5ngarna och \u00f6v<span class=\"__13 _898\"/>ertagna skulderna till verkligt v\u00e4rde per f<span class=\"__13 _898\"/>\u00f6rv\u00e4rvsdagen. F\u00f6r v<span class=\"__13 _898\"/>arje r\u00f6relsef<span class=\"__13 _898\"/>\u00f6rv\u00e4rv v\u00e4rder<span class=\"__13 _898\"/>ar Nordea minoritetsin<span class=\"__13 _898\"/>tres-<span class=\"__13 _15e\"> </span>sena i den f\u00f6rv\u00e4rvade r<span class=\"__13 _898\"/>\u00f6relsen an<span class=\"__13 _898\"/>tingen till verkligt v\u00e4r<span class=\"__13 _898\"/>de eller till innehav<span class=\"__13 _898\"/>ets proportionella andel av den f<span class=\"__13 _898\"/>\u00f6rv\u00e4rvade r\u00f6relsens netto<span class=\"__13 _898\"/>tillg\u00e5ngar<span class=\"__13 _b_12\"/>.<span class=\"__13 _15e\"> </span>Om summan av den ers\u00e4ttning s<span class=\"__13 _898\"/>om betalas vid ett r\u00f6relse-<span class=\"__13 _15e\"> </span>f\u00f6rv\u00e4rv och det belopp som redo<span class=\"__13 _898\"/>visas som minoritetsintr<span class=\"__13 _b_12\"/>es-<span class=\"__13 _15e\"> </span>sen \u00f6verstiger det v<span class=\"__13 _b_12\"/>erkliga nettov\u00e4rdet p\u00e5 iden<span class=\"__13 _898\"/>ti\ufb01erbara till-<span class=\"__13 _15e\"> </span>g\u00e5ngar<span class=\"__13 _b_12\"/>, skulder och even<span class=\"__13 _b_12\"/>tualf\u00f6rpliktelser r<span class=\"__13 _b_12\"/>edovisas skillnaden som goodwill. Om skillnaden \u00e4r negativ redovisas den dir<span class=\"__13 _b_12\"/>ekt i resulta<span class=\"__13 _b_12\"/>tr\u00e4kningen.<span class=\"__13 _15e\"> </span>Eget kapit<span class=\"__13 _898\"/>al och resulta<span class=\"__13 _b_12\"/>t h\u00e4nf\u00f6rliga till minoritetsin<span class=\"__13 _b_12\"/>tressen redovisas p\u00e5 separ<span class=\"__13 _b_12\"/>ata rader i balans- och resulta<span class=\"__13 _b_12\"/>tr\u00e4kningen samt i r<span class=\"__13 _898\"/>apport \u00f6ver totalr<span class=\"__13 _b_12\"/>esultat. Koncernin<span class=\"__13 _b_12\"/>terna transaktioner sam<span class=\"__13 _b_12\"/>t fordringar och skulder mellan koncern<span class=\"__13 _898\"/>f\u00f6r<span class=\"__13 _898\"/>etagen elimineras.<span class=\"__13 _15e\"> </span>Koncern<span class=\"__13 _b_12\"/>f\u00f6retagen ing\u00e5r i koncernr<span class=\"__13 _b_12\"/>edovisningen fr\u00e5n den dag det best\u00e4mmande in<span class=\"__13 _898\"/>flytandet \u00f6<span class=\"__13 _898\"/>ver f<span class=\"__13 _898\"/>\u00f6retaget \u00f6v<span class=\"__13 _b_12\"/>erg\u00e5r till Nordea. Kons<span class=\"__13 _898\"/>olideringen upph\u00f6r n\u00e4r best\u00e4mmande in<span class=\"__13 _898\"/>flytan-<span class=\"__13 _15e\"> </span>de inte l\u00e4ngr<span class=\"__13 _b_12\"/>e existerar<span class=\"__13 _906\"/>. I samband med konsolideringen anpassas koncern<span class=\"__13 _b_12\"/>f\u00f6reta-<span class=\"__13 _15e\"> </span>gens redovisning f<span class=\"__13 _b_12\"/>\u00f6r att uppn\u00e5 \u00f6verenss<span class=\"__13 _898\"/>t\u00e4mmelse med de IFRS-principer som Nordea till\u00e4mpa<span class=\"__13 _15e\"> </span>r<span class=\"__13 _15e\"> </span><span class=\"__13 _b_12\"/>.<span class=\"__13 _15e\"> </span>Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__13 _b_12\"/>ttningar En av<span class=\"__13 _b_12\"/>g\u00f6rande fakt<span class=\"__13 _898\"/>or vid bed\u00f6mningen av om Nor<span class=\"__13 _b_12\"/>dea ut\u00f6var ett best\u00e4mmande in<span class=\"__13 _898\"/>flytande \u00f6<span class=\"__13 _898\"/>ver ett annat f<span class=\"__13 _b_12\"/>\u00f6retag \u00e4r huru-<span class=\"__13 _15e\"> </span>vida Nordea \u00e4r e<span class=\"__13 _898\"/>xponerat f<span class=\"__13 _b_12\"/>\u00f6r volatilitet i a<span class=\"__13 _b_12\"/>vkastningen fr\u00e5n inves<span class=\"__13 _b_12\"/>teringen. F\u00f6r struk<span class=\"__13 _898\"/>turerade f<span class=\"__13 _b_12\"/>\u00f6retag d\u00e4r r\u00f6str\u00e4<span class=\"__13 _b_12\"/>tten inte \u00e4r den av<span class=\"__13 _b_12\"/>g\u00f6rande fakt<span class=\"__13 _898\"/>orn vid best\u00e4mning a<span class=\"__13 _b_12\"/>v best\u00e4mmande inflyt<span class=\"__13 _898\"/>ande, m\u00e5ste kritiska bed\u00f6mningar g\u00f6r<span class=\"__13 _b_12\"/>as f\u00f6r att fas<span class=\"__13 _b_12\"/>tst\u00e4lla n\u00e4r Nordea \u00e4r e<span class=\"__13 _898\"/>xponerat f<span class=\"__13 _b_12\"/>\u00f6r betydande volatilitet i a<span class=\"__13 _b_12\"/>vkast-<span class=\"__13 _15e\"> </span>ningen. Nordeas kritiska bed\u00f6mning \u00e4r att Nor<span class=\"__13 _898\"/>dea normalt \u00e4r exponer<span class=\"__13 _898\"/>at f<span class=\"__13 _b_12\"/>\u00f6r volatilitet i avkas<span class=\"__13 _b_12\"/>tningen n\u00e4r Nordea erh\u00e5ller mer \u00e4n 30 procen<span class=\"__13 _b_12\"/>t av den avkas<span class=\"__13 _b_12\"/>tning som det strukturerade f\u00f6r<span class=\"__13 _898\"/>etaget genererar<span class=\"__13 _906\"/>. Detta g\u00e4ller endast struk<span class=\"__13 _898\"/>turerade f<span class=\"__13 _b_12\"/>\u00f6retag om Nordea ocks\u00e5 \u00e4r kapitalf<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>valtar<span class=\"__13 _898\"/>e och d\u00e4rmed har infl<span class=\"__13 _898\"/>y-<span class=\"__13 _15e\"> </span>tande \u00f6ver den a<span class=\"__13 _b_12\"/>vkastning som genereras a<span class=\"__13 _b_12\"/>v det strukture-<span class=\"__13 _15e\"> </span>rade f<span class=\"__13 _b_12\"/>\u00f6retaget<span class=\"__13 _c_12\"/>.<span class=\"__13 _15e\"> </span>Ytterligare en bed\u00f6mning a<span class=\"__13 _b_12\"/>vseende best\u00e4mmande infl<span class=\"__13 _898\"/>y-<span class=\"__13 _15e\"> </span>tande \u00e4r om Nordea \u00e4r en agen<span class=\"__13 _898\"/>t eller huvudman. F\u00f6r f<span class=\"__13 _b_12\"/>ondf\u00f6r-<span class=\"__13 _15e\"> </span>s\u00e4kringar och andra kon<span class=\"__13 _b_12\"/>trakt d\u00e4r f<span class=\"__13 _898\"/>\u00f6rs\u00e4kringstagaren/ins\u00e4tt<span class=\"__13 _898\"/>a-<span class=\"__13 _15e\"> </span>ren best\u00e4mmer b\u00e5de belopp och vilk<span class=\"__13 _898\"/>a tillg\u00e5ngar som Nordea ska inves<span class=\"__13 _b_12\"/>tera i, anses Nordea var<span class=\"__13 _b_12\"/>a agent och d\u00e4rmed inte ha best\u00e4mmande in<span class=\"__13 _b_12\"/>flytande.<span class=\"__13 _15e\"> </span>En bed\u00f6mning m\u00e5ste \u00e4<span class=\"__13 _b_12\"/>ven g\u00f6ras f\u00f6r a<span class=\"__13 _b_12\"/>tt avg\u00f6ra om ett betydande inneha<span class=\"__13 _b_12\"/>v av r\u00f6str<span class=\"__13 _898\"/>\u00e4tterna i ett bolag, som dock \u00e4r mindre \u00e4n ett majoritetsinneha<span class=\"__13 _b_12\"/>v<span class=\"__13 _898\"/>, ger Nordea fak<span class=\"__13 _b_12\"/>tisk kontroll (s\u00e5 kallad de facto-kon<span class=\"__13 _b_12\"/>troll), och likas\u00e5 i vilken utstr\u00e4ckning poten<span class=\"__13 _b_12\"/>tiella r\u00f6str\u00e4tter ska t<span class=\"__13 _898\"/>as i beaktande vid bed\u00f6mningen. Den nuvarande bed\u00f6mningen \u00e4r a<span class=\"__13 _b_12\"/>tt Nordea inte har fak<span class=\"__13 _b_12\"/>tisk kontr<span class=\"__13 _b_12\"/>oll \u00f6ver n\u00e5gra enheter d\u00e4r r\u00f6s<span class=\"__13 _898\"/>tr\u00e4tt<span class=\"__13 _898\"/>erna understiger <span class=\"__13 _15e\">50 procen</span><span class=\"__13 _b_12\"/>t<span class=\"__13 _15e\"> </span><div class=\"t_13 m0_13 h1_13 ff1_13 fs0_13 fc0_13 sc0_13 ls0_13 ws0_13\" style=\"left:0.01052475px; bottom:2.1012287px;\">182<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h2_13 ff2_13 fs1_12 fc0_13 sc0_13 ls0_13 ws1_13\" style=\"left:44.122643px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h3_12 ff2_13 fs1_12 fc0_13 sc0_13 ls1_13 ws2_12\" style=\"left:48.323853px; bottom:1029.1447px;\">Inledning<span class=\"__13 _897\"> </span><span class=\"__13 _15e\">Aff</span><span class=\"__13 _898\"/>\u00e4rsomr\u00e5den<span class=\"__13 _899\"/><span class=\"ws0_13\">V<span class=\"__13 _b_12\"/>\u00e5ra intressent<span class=\"__13 _898\"/>er<span class=\"__13 _900\"> </span><span class=\"ff1_13\">Finansiella rapporter<span class=\"__13 _901\"/><span class=\"ff2_13 ws2_12\">F\u00f6rvaltningsber<span class=\"__13 _898\"/>\u00e4ttelse<span class=\"__13 _902\"> </span>H\u00e5llbarhetsnoter<span class=\"__13 _903\"> </span>\u00d6vrigt<span class=\"__13 _904\"/><span class=\"ws0_13\">Strategisk r<span class=\"__13 _898\"/>apport<span class=\"__13 _15e\"> </span></span></span></span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:44.122643px; bottom:951.6515px;\">Speci\ufb01kationen nedan omf<span class=\"__13 _b_12\"/>attar moderf\u00f6retaget inkl<span class=\"__13 _898\"/>usive  <span class=\"__13 _d_12\"/>\ufb01lialer<span class=\"__13 _b_12\"/>, st\u00f6rre direk<span class=\"__13 _b_12\"/>t\u00e4gda dotterf\u00f6ret<span class=\"__13 _898\"/>ag samt s<span class=\"__13 _898\"/>t\u00f6rre dott<span class=\"__13 _898\"/>er <span class=\"__13 _d_12\"/>f\u00f6retag till<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:44.122643px; bottom:938.12634px;\">dessa direk<span class=\"__13 _898\"/>t\u00e4gda dotterf<span class=\"__13 _b_12\"/>\u00f6retag.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h8_12 ff3_12 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:44.122643px; bottom:986.27924px;\">K9.<span class=\"__13 _b_12\"/>1  Konsoliderade f\u00f6retag, f<span class=\"__13 _b_12\"/>or<span class=\"__13 _c_12\"/>ts.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:919.12463px;\">Bolag<span class=\"__13 _e_12\"> </span><span class=\"ls2_12 ws4_12\">S\u00e4te<span class=\"__13 _f_12\"> </span></span>\u00c4garandel %<span class=\"__13 _907\"> </span>R\u00f6standel %<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws5_12\" style=\"left:48.323853px; bottom:901.9815px;\">Nordea Bank Abp<span class=\"__13 _908\"> </span><span class=\"ws0_13\">Helsingfors<span class=\"__13 _909\"> </span>E/T<span class=\"__13 _910\"> </span>E/T<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m1_8 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:57.017998px; bottom:884.8384px;\">Filial i Danmark<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:270.29196px; bottom:884.8384px;\">K\u00f6penhamn<span class=\"__13 _911\"> </span>E/T<span class=\"__13 _910\"> </span>E/T<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m1_8 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:57.017998px; bottom:867.6953px;\">Filial i Estland<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:270.29196px; bottom:867.6953px;\">T<span class=\"__13 _906\"/>allinn<span class=\"__13 _912\"> </span>E/T<span class=\"__13 _910\"> </span>E/T<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m1_8 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:57.017998px; bottom:850.5522px;\">Filial i London<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:270.29196px; bottom:850.5522px;\">London<span class=\"__13 _913\"> </span>E/T<span class=\"__13 _910\"> </span>E/T<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m1_8 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:57.017998px; bottom:833.4091px;\">Filial i New Y<span class=\"__13 _906\"/>ork<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:270.29196px; bottom:833.4091px;\">New Y<span class=\"__13 _906\"/>ork<span class=\"__13 _914\"> </span>E/T<span class=\"__13 _910\"> </span>E/T<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m1_8 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:57.017998px; bottom:816.266px;\">Filial i Norge<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:270.29196px; bottom:816.266px;\">Oslo<span class=\"__13 _915\"> </span>E/T<span class=\"__13 _910\"> </span>E/T<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m1_8 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:57.017998px; bottom:799.1228px;\">Filial i Polen<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:270.29196px; bottom:799.1228px;\">\u0141\u00f3d\u017a<span class=\"__13 _916\"> </span>E/T<span class=\"__13 _910\"> </span>E/T<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m1_8 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:57.017998px; bottom:781.9797px;\">Filial i Shanghai<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:270.29196px; bottom:781.9797px;\">Shanghai<span class=\"__13 _1a_9\"> </span>E/T<span class=\"__13 _910\"> </span>E/T<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m1_8 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:57.017998px; bottom:764.83673px;\">Filial i Sverige<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:270.29196px; bottom:764.83673px;\">Stockholm <span class=\"__13 _1b_9\"> </span>E/T<span class=\"__13 _910\"> </span>E/T<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:747.6923px;\">Nordea Kredit RealKr<span class=\"__13 _b_12\"/>editaktieselskab<span class=\"__13 _1c_9\"> </span>K\u00f6penhamn<span class=\"__13 _1d_9\"> </span>100,0<span class=\"__13 _1e_9\"> </span>100,0<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:730.5479px;\">Nordea Hypotek <span class=\"__13 _b_12\"/>AB (publ)<span class=\"__13 _1f_9\"> </span>Stockholm <span class=\"__13 _917\"> </span>100,0<span class=\"__13 _1e_9\"> </span>100,0<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws5_12\" style=\"left:48.323853px; bottom:712.38434px;\">Nordea Eiendomskreditt AS<span class=\"__13 _918\"> </span><span class=\"ws0_13\">Oslo<span class=\"__13 _919\"> </span>100,0<span class=\"__13 _1e_9\"> </span>100,0<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws5_12\" style=\"left:48.323853px; bottom:695.2399px;\">Nordea Hypoteksbank Abp <span class=\"__13 _920\"> </span><span class=\"ws0_13\">Helsingfors<span class=\"__13 _921\"> </span>100,0<span class=\"__13 _1e_9\"> </span>100,0<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:49.325768px; bottom:678.0955px;\">Nordea Finans Finland Ab<span class=\"__13 _922\"> </span>Helsingfors<span class=\"__13 _921\"> </span>100,0<span class=\"__13 _1e_9\"> </span>100,0<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:49.325768px; bottom:660.9511px;\">Nordea Finans Danmark A/S<span class=\"__13 _923\"> </span><span class=\"ws6_12\">H\u00f8je T<span class=\"__13 _906\"/>aastrup<span class=\"__13 _924\"> </span><span class=\"ws0_13\">100,0<span class=\"__13 _1e_9\"> </span>100,0<span class=\"__13 _15e\"> </span></span></span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:49.325768px; bottom:643.8067px;\">Nordea Finans Sverige <span class=\"__13 _b_12\"/>AB (publ)<span class=\"__13 _925\"> </span>Stockholm<span class=\"__13 _926\"> </span>100,0<span class=\"__13 _1e_9\"> </span>100,0<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:49.325768px; bottom:626.6623px;\">Nordea Finans Norge <span class=\"__13 _898\"/>AS<span class=\"__13 _2a_7\"> </span>Oslo<span class=\"__13 _919\"> </span>100,0<span class=\"__13 _1e_9\"> </span>100,0<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:49.325768px; bottom:609.5179px;\">Nordea Finance E<span class=\"__13 _b_12\"/>quipment AS<span class=\"__13 _2b_7\"> </span>Oslo<span class=\"__13 _919\"> </span>100,0<span class=\"__13 _1e_9\"> </span>100,0<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:49.325768px; bottom:592.37354px;\">LLC Prom<span class=\"__13 _b_12\"/>yshlennaya Kompaniya V<span class=\"__13 _b_12\"/><span class=\"__13 _15e\">estkon1</span><span class=\"__13 _2c_7\"> </span>Moskva<span class=\"__13 _914\"> </span>100,0<span class=\"__13 _1e_9\"> </span>100,0<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws5_12\" style=\"left:49.325768px; bottom:575.2291px;\">Nordea Funds Ab<span class=\"__13 _2d_7\"> </span><span class=\"ws0_13\">Helsingfors<span class=\"__13 _921\"> </span>100,0<span class=\"__13 _1e_9\"> </span>100,0<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws5_12\" style=\"left:49.325768px; bottom:558.0847px;\">Nordea Asset Management Holding AB<span class=\"__13 _2e_7\"> </span><span class=\"ws0_13\">Stockholm<span class=\"__13 _926\"> </span>100,0<span class=\"__13 _1e_9\"> </span>100,0<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:57.017998px; bottom:540.9403px;\">Nordea Inves<span class=\"__13 _b_12\"/>tment Funds S.A.<span class=\"__13 _2f_7\"> </span>Luxembur<span class=\"__13 _898\"/>g<span class=\"__13 _921\"> </span>100,0<span class=\"__13 _1e_9\"> </span>100,0<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:57.017998px; bottom:523.7959px;\">Nordea Inves<span class=\"__13 _b_12\"/>tment Management AB<span class=\"__13 _1e_9\"> </span>Stockholm <span class=\"__13 _917\"> </span>100,0<span class=\"__13 _1e_9\"> </span>100,0<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:49.325768px; bottom:506.6515px;\">Nordea Life Holding <span class=\"__13 _b_12\"/>AB<span class=\"__13 _927\"> </span>Stockholm <span class=\"__13 _917\"> </span>100,0<span class=\"__13 _1e_9\"> </span>100,0<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws5_12\" style=\"left:57.017998px; bottom:489.50708px;\">T<span class=\"__13 _906\"/>opdanmark Livsforsikring A/S<span class=\"__13 _928\"> </span><span class=\"ws0_13\">K\u00f6penhamn<span class=\"__13 _1d_9\"> </span>100,0<span class=\"__13 _1e_9\"> </span>100,0<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:57.017998px; bottom:472.3627px;\">Nordea Life <span class=\"__13 _b_12\"/>Assurance Finland Ltd<span class=\"__13 _929\"> </span>Helsingfors<span class=\"__13 _921\"> </span>100,0<span class=\"__13 _1e_9\"> </span>100,0<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:57.017998px; bottom:455.21832px;\">Livforsikringsselskapet Nordea Liv Norge <span class=\"__13 _b_12\"/>AS<span class=\"__13 _930\"> </span>Bergen<span class=\"__13 _931\"> </span>100,0<span class=\"__13 _1e_9\"> </span>100,0<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:57.017998px; bottom:438.0739px;\">Nordea Livf\u00f6rs\u00e4kring Sverige <span class=\"__13 _b_12\"/>AB (publ)<span class=\"__13 _932\"> </span>Stockholm<span class=\"__13 _926\"> </span>100,0<span class=\"__13 _1e_9\"> </span>100,0<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 hb_12 ff2_13 fs7_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:416.96686px;\">1)  I december 2020 beslutade Nordea att l\u00e4gga ner verksamhet<span class=\"__13 _b_12\"/>en i Ryssland. Den legala processen f\u00f6r att st\u00e4nga ner do<span class=\"__13 _b_12\"/>tter<span class=\"__13 _c_12\"/>f\u00f6ret<span class=\"__13 _898\"/>agen har p\u00e5b\u00f6rjats.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:44.122643px; bottom:365.7302px;\">Det \ufb01nns olika typer av begr<span class=\"__13 _b_12\"/>\u00e4nsningar f\u00f6r hur Nordea kan f<span class=\"__13 _898\"/>\u00e5<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:44.122643px; bottom:352.20502px;\">\u00e5tkoms<span class=\"__13 _898\"/>t till och \u00f6verf<span class=\"__13 _898\"/>\u00f6ra tillg\u00e5ngar inom koncernen.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:57.017998px; bottom:338.6798px;\">Utdelningar anv\u00e4nds f<span class=\"__13 _b_12\"/>\u00f6r att \u00f6verf<span class=\"__13 _898\"/>\u00f6ra \u00f6v<span class=\"__13 _898\"/>erskottskapital i<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:44.122643px; bottom:325.1546px;\">Nordea Bank Abp:s do<span class=\"__13 _b_12\"/>tterf\u00f6retag till moderf\u00f6r<span class=\"__13 _898\"/>etaget. Utdel-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:44.122643px; bottom:311.6294px;\">ningsbeloppet fas<span class=\"__13 _898\"/>tst\u00e4lls f<span class=\"__13 _b_12\"/>\u00f6r varje f\u00f6retag utif<span class=\"__13 _898\"/>r\u00e5n utdelnings-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:44.122643px; bottom:298.10422px;\">bara medel, kapitalt\u00e4ckningsr<span class=\"__13 _898\"/>egler och nyckel<span class=\"__13 _b_12\"/>tal<span class=\"__13 _c_12\"/>, kapital- och<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:44.122643px; bottom:284.579px;\"><span class=\"__13 _15e\">aff\u00e4rsplanering, ska</span><span class=\"__13 _b_12\"/>ttem\u00e4ssiga \u00f6verv\u00e4ganden f\u00f6r ak<span class=\"__13 _b_12\"/>tuellt<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:44.122643px; bottom:271.0538px;\">land samt konc<span class=\"__13 _898\"/>erninterna rik<span class=\"__13 _b_12\"/>tlinjer<span class=\"__13 _b_12\"/>. Tillsynsm\u00e4ssiga res<span class=\"__13 _b_12\"/>triktio-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:44.122643px; bottom:257.5286px;\">ner kring utdelning, b\u00e5de allm\u00e4nna och nationella, liksom<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:44.122643px; bottom:244.00342px;\">ber\u00e4knade f<span class=\"__13 _b_12\"/>\u00f6r\u00e4ndringar i f\u00f6retagens kapitalkr<span class=\"__13 _b_12\"/>av och riskex<span class=\"__13 _b_12\"/>-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:44.122643px; bottom:230.47821px;\">poneringsbelopp ing\u00e5r i analysen in<span class=\"__13 _b_12\"/>f\u00f6r utdelningsbeslut.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:57.017998px; bottom:216.953px;\">Enligt kapitalt\u00e4ckningsf<span class=\"__13 _b_12\"/>\u00f6rordningen (CRR) ska kreditins<span class=\"__13 _b_12\"/>ti-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:44.122643px; bottom:203.42781px;\">tut h\u00e5lla likvida tillg\u00e5ngar<span class=\"__13 _b_12\"/>, vars sammanlagda v\u00e4rde t\u00e4cker<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:44.122643px; bottom:189.9026px;\">likviditetsutfl\u00f6den minus likviditetsin<span class=\"__13 _898\"/>fl\u00f6den under stressade<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:44.122643px; bottom:176.37741px;\">f\u00f6rh\u00e5llanden. Detta f<span class=\"__13 _b_12\"/>\u00f6r att s\u00e4kerst\u00e4lla att ins<span class=\"__13 _b_12\"/>titutet uppr\u00e4tt-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:44.122643px; bottom:162.8522px;\">h\u00e5ller tillr\u00e4ckliga likviditetsre<span class=\"__13 _898\"/>server<span class=\"__13 _b_12\"/>. Det \ufb01nns ocks\u00e5 nationella<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:44.122643px; bottom:149.32701px;\">likviditetskra<span class=\"__13 _b_12\"/>v som begr\u00e4nsar \u00f6verf<span class=\"__13 _898\"/>\u00f6ringen av kapit<span class=\"__13 _898\"/>al mellan<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:44.122643px; bottom:135.8018px;\">f\u00f6r<span class=\"__13 _898\"/>etag.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:377.6188px; bottom:365.7965px;\">Koncernen har pan<span class=\"__13 _b_12\"/>tsatt tillg\u00e5ngar som s\u00e4kerhet f\u00f6r \u00e5<span class=\"__13 _b_12\"/>ta-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:364.72345px; bottom:352.2713px;\">ganden enligt \u00e5terk\u00f6psa<span class=\"__13 _b_12\"/>vtal, transaktioner a<span class=\"__13 _b_12\"/>vseende v\u00e4rde-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:364.72345px; bottom:338.7461px;\">pappers\ufb01nansiering, hypoteksl\u00e5n sam<span class=\"__13 _b_12\"/>t f\u00f6r ber\u00e4kningen a<span class=\"__13 _b_12\"/>v<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:364.72345px; bottom:325.22092px;\">marginals\u00e4kerhet f<span class=\"__13 _b_12\"/>\u00f6r OT<span class=\"__13 _b_12\"/>C<span class=\"__13 _b_12\"/>-<span class=\"__13 _c_12\"/>derivat (sk<span class=\"__13 _b_12\"/>ulder). Ytterligare infor-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:364.72345px; bottom:311.6957px;\">mation \ufb01nns i not K7<span class=\"__13 _906\"/>.3 \u201dSt\u00e4llda s\u00e4kerheter<span class=\"__13 _c_12\"/>\u201d<span class=\"__13 _906\"/>.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:377.6188px; bottom:298.1705px;\">F\u00f6r bank<span class=\"__13 _898\"/>er i resolution, vilk<span class=\"__13 _898\"/>et inte \u00e4r ak<span class=\"__13 _b_12\"/>tuellt i Nordea p\u00e5<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:364.72345px; bottom:284.6453px;\">balansdagen, \ufb01nns m\u00f6jliga begr\u00e4nsningar eftersom tillsyns-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:364.72345px; bottom:271.12012px;\">myndigheterna skulle ha l\u00e5ngt<span class=\"__13 _b_12\"/>g\u00e5ende resolutionsverkty<span class=\"__13 _b_12\"/>g till<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:364.72345px; bottom:257.5949px;\">sitt f\u00f6rf<span class=\"__13 _b_12\"/>ogande om detta skulle beh\u00f6vas.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:377.6188px; bottom:244.0697px;\">Lagstadgade, a<span class=\"__13 _b_12\"/>vtalsbetingade och tillsynsm\u00e4ssiga krav lik<span class=\"__13 _b_12\"/>-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:364.72345px; bottom:230.5445px;\">som vetor<span class=\"__13 _898\"/>\u00e4tter i samband med minoritetsin<span class=\"__13 _b_12\"/>tressen kan<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:364.72345px; bottom:217.0193px;\">begr\u00e4nsa koncernens f<span class=\"__13 _b_12\"/>\u00f6rm\u00e5ga att f\u00e5 \u00e5tk<span class=\"__13 _b_12\"/>omst till och \u00f6verf\u00f6ra<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:364.72345px; bottom:203.49411px;\">tillg\u00e5ngar till eller fr\u00e5n andr<span class=\"__13 _b_12\"/>a f\u00f6retag inom koncernen och<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:364.72345px; bottom:189.9689px;\">reglera k<span class=\"__13 _898\"/>oncernens skulder<span class=\"__13 _906\"/>. Eftersom koncernen inte hade<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:364.72345px; bottom:176.44371px;\">n\u00e5gra v\u00e4sen<span class=\"__13 _b_12\"/>tliga minoritetsintressen p\u00e5 balansdagen, v<span class=\"__13 _b_12\"/>ar det<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:364.72345px; bottom:162.9185px;\">inte n\u00e5gr<span class=\"__13 _b_12\"/>a vetor\u00e4tter h\u00e4n<span class=\"__13 _b_12\"/>f\u00f6rliga till dessa som medf\u00f6r<span class=\"__13 _b_12\"/>de bety-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:364.72345px; bottom:149.39331px;\">dande begr\u00e4nsningar<span class=\"__13 _b_12\"/>.<span class=\"__13 _15e\"> </span></div>183<span class=\"__13 _15e\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__13 _15e\"> </span>Inledning<span class=\"__13 _897\"> </span><span class=\"__13 _15e\">Aff</span><span class=\"__13 _898\"/>\u00e4rsomr\u00e5den<span class=\"__13 _899\"/><span class=\"ws0_13\">V<span class=\"__13 _b_12\"/>\u00e5ra intressent<span class=\"__13 _898\"/>er<span class=\"__13 _900\"> </span><span class=\"ff1_13\">Finansiella rapporter<span class=\"__13 _901\"/><span class=\"ff2_13 ws2_12\">F\u00f6rvaltningsber<span class=\"__13 _898\"/>\u00e4ttelse<span class=\"__13 _902\"> </span>H\u00e5llbarhetsnoter<span class=\"__13 _903\"> </span>\u00d6vrigt<span class=\"__13 _904\"/><span class=\"ws0_13\">Strategisk r<span class=\"__13 _898\"/>apport<span class=\"__13 _15e\"> </span></span></span></span></span>K9.2 <span class=\"__13 _933\"> </span> V<span class=\"__13 _906\"/>alutaomr\u00e4kning <span class=\"__13 _934\"> </span>a<span class=\"__13 _b_12\"/>v utl\u00e4ndska f<span class=\"__13 _b_12\"/>\u00f6retag/\ufb01lialer<span class=\"__13 _15e\"> </span>Redovisningsprinciper<span class=\"__13 _15e\"> </span>Koncernr<span class=\"__13 _898\"/>edovisningen uppr\u00e4<span class=\"__13 _b_12\"/>ttas i euro. Vid omr\u00e4kningen a<span class=\"__13 _898\"/>v de utl\u00e4ndska f\u00f6r<span class=\"__13 _b_12\"/>etagens och \ufb01lialernas \ufb01nansiella rapporter till euro fr<span class=\"__13 _898\"/>\u00e5n deras respek<span class=\"__13 _b_12\"/>tive funktionella v<span class=\"__13 _b_12\"/>aluta, omr\u00e4knas tillg\u00e5ngar och skulder till balansdagens kurs, medan pos<span class=\"__13 _898\"/>ter i resulta<span class=\"__13 _b_12\"/>tr\u00e4kningen och i rapporten \u00f6ver tot<span class=\"__13 _898\"/>alresulta<span class=\"__13 _b_12\"/>t omr\u00e4knas till \u00e5rets genomsnittskurs. Genomsnittskursen ber<span class=\"__13 _898\"/>\u00e4knas uti-<span class=\"__13 _15e\"> </span>fr\u00e5n dagliga v<span class=\"__13 _b_12\"/>\u00e4xelkurser dividerat med an<span class=\"__13 _b_12\"/>talet bankdagar <span class=\"__13 _15e\">under perioden. Omr\u00e4kningsdiff</span><span class=\"__13 _b_12\"/>erenser redovisas i \u00f6vrigt totalr<span class=\"__13 _898\"/>esultat och ack<span class=\"__13 _b_12\"/>umuleras i reserven f\u00f6r omr<span class=\"__13 _b_12\"/>\u00e4kning av utl\u00e4ndsk verksamhet under eget kapital.<span class=\"__13 _15e\"> </span>Goodwill och justeringar till verkligt v<span class=\"__13 _b_12\"/>\u00e4rde fr\u00e5n f<span class=\"__13 _898\"/>\u00f6rv\u00e4rv av koncern<span class=\"__13 _898\"/>f\u00f6r<span class=\"__13 _898\"/>etag hanter<span class=\"__13 _b_12\"/>as som poster i samma funk<span class=\"__13 _898\"/>tionella valuta som den kassagener<span class=\"__13 _b_12\"/>erande enheten till vilken de h\u00f6r<span class=\"__13 _b_12\"/>, och omr\u00e4knas ocks\u00e5 till balansdagens kurs. E<span class=\"__13 _898\"/>ventuell<span class=\"__13 _b_12\"/>t kvarst\u00e5ende eget kapital i utl\u00e4ndska \ufb01lialer omr\u00e4knas till balansdagens kurs, och omr<span class=\"__13 _898\"/><span class=\"__13 _15e\">\u00e4kningsdiffer</span><span class=\"__13 _b_12\"/>enser redovisas under \u00f6vrigt t<span class=\"__13 _b_12\"/>otalresultat.<span class=\"__13 _15e\"> </span>Vid avyttring a<span class=\"__13 _b_12\"/>v en utl\u00e4ndsk verksamhet omklassi\ufb01ceras det ackumulerade beloppet f<span class=\"__13 _b_12\"/><span class=\"__13 _15e\">\u00f6r valutakursdiff</span><span class=\"__13 _b_12\"/>erenser avse-<span class=\"__13 _15e\"> </span>ende den utl\u00e4ndska verksamheten \u2013 redo<span class=\"__13 _b_12\"/>visat under \u00f6vrigt totalr<span class=\"__13 _898\"/>esultat och ack<span class=\"__13 _b_12\"/>umulerat i reserven f<span class=\"__13 _898\"/>\u00f6r omr\u00e4kning a<span class=\"__13 _b_12\"/>v utl\u00e4ndsk verksamhet under eget kapital \u2013 fr<span class=\"__13 _b_12\"/>\u00e5n eget kapital till resulta<span class=\"__13 _b_12\"/>tr\u00e4kningen i samband med att vinsten eller f<span class=\"__13 _b_12\"/>\u00f6rlus-<span class=\"__13 _15e\"> </span>ten fr\u00e5n a<span class=\"__13 _b_12\"/>vyttringen redovisas.<span class=\"__13 _15e\"> </span>total r<span class=\"__13 _898\"/>esultat <span class=\"__13 _935\"> </span>i <span class=\"__13 _935\"> </span><span class=\"ws0_13\">Nordea. Andelar i intr<span class=\"__13 _898\"/>essef<span class=\"__13 _898\"/>\u00f6retags och join<span class=\"__13 _898\"/>t<span class=\"__13 _15e\"> </span></span><span class=\"ws0_13\"> </span>ventur<span class=\"__13 _b_12\"/>es resultat enligt kapitalandelsmetoden r<span class=\"__13 _b_12\"/>edovisas i<span class=\"__13 _15e\"> </span> resulta<span class=\"__13 _b_12\"/>tr\u00e4kningen efter skatt. Skattekostnaden h\u00e4n<span class=\"__13 _b_12\"/>f\u00f6rlig till<span class=\"__13 _15e\"> </span> dessa resulta<span class=\"__13 _b_12\"/>tandelar ing\u00e5r f\u00f6ljaktligen in<span class=\"__13 _b_12\"/>te i Nordeas redovi-<span class=\"__13 _15e\"> </span>sade skattekos<span class=\"__13 _b_12\"/>tnad. Erh\u00e5llna utdelningar redovisas som en<span class=\"__13 _15e\"> </span> minskning av det r<span class=\"__13 _b_12\"/>edovisade v\u00e4rdet.  Om det \ufb01nns indikationer p\u00e5 nedskrivningsbehov (f<span class=\"__13 _b_12\"/>\u00f6rlust-<span class=\"__13 _15e\"> </span>h\u00e4ndelser) genomf<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>s nedskrivningspr\u00f6vningar f<span class=\"__13 _b_12\"/>\u00f6r att bed\u00f6-<span class=\"__13 _15e\"> </span>ma om det \ufb01nns objektiv<span class=\"__13 _898\"/>a bel\u00e4gg f\u00f6r nedskrivning. Det r<span class=\"__13 _898\"/>edo-<span class=\"__13 _15e\"> </span>visade v\u00e4rdet p\u00e5 in<span class=\"__13 _898\"/>vest<span class=\"__13 _898\"/>eringen i intre<span class=\"__13 _898\"/>ssef\u00f6r<span class=\"__13 _b_12\"/>etaget eller joint<span class=\"__13 _15e\"> </span> ventur<span class=\"__13 _b_12\"/>e-<span class=\"__13 _c_12\"/>f\u00f6r<span class=\"__13 _b_12\"/>etaget j\u00e4mf\u00f6rs med \u00e5tervinningsv\u00e4r<span class=\"__13 _898\"/>det (det h\u00f6gre<span class=\"__13 _15e\"> </span> av n<span class=\"__13 _b_12\"/>yttjandev\u00e4rdet och verkligt v\u00e4r<span class=\"__13 _898\"/>de minus f\u00f6rs\u00e4ljningskos<span class=\"__13 _898\"/>t-<span class=\"__13 _15e\"> </span>nader) och det redovisade v<span class=\"__13 _898\"/>\u00e4rdet skrivs ner till \u00e5tervinnings-<span class=\"__13 _15e\"> </span>v\u00e4rdet, om erforderligt. Nedskrivning av ak<span class=\"__13 _b_12\"/>tier och andelar i<span class=\"__13 _15e\"> </span> intre<span class=\"__13 _898\"/>ssef\u00f6r<span class=\"__13 _b_12\"/>etag och joint ventur<span class=\"__13 _898\"/>es klassi\ufb01ceras som \u201d<span class=\"__13 _906\"/>Andelar i<span class=\"__13 _15e\"> </span> intre<span class=\"__13 _898\"/>ssef\u00f6r<span class=\"__13 _b_12\"/>etags och joint ventur<span class=\"__13 _898\"/>es resulta<span class=\"__13 _b_12\"/>t enligt kapitalan-<span class=\"__13 _15e\"> </span>delsmetoden\u201d i result<span class=\"__13 _898\"/>atr\u00e4kningen.<span class=\"__13 _15e\"> </span>Nedskrivningar \u00e5terf<span class=\"__13 _898\"/>\u00f6rs om \u00e5tervinningsv\u00e4rdet \u00f6kar<span class=\"__13 _906\"/>. Det<span class=\"__13 _15e\"> </span> redovisade v<span class=\"__13 _898\"/>\u00e4rdet \u00f6kas d\u00e5 till \u00e5t<span class=\"__13 _898\"/>ervinningsv\u00e4rdet, men kan<span class=\"__13 _15e\"> </span> inte \u00f6<span class=\"__13 _b_12\"/>verstiga vad det redovisade v\u00e4r<span class=\"__13 _b_12\"/>det varit om en nedskriv<span class=\"ws0_13\">-<span class=\"__13 _15e\"> </span></span>ning inte r<span class=\"__13 _b_12\"/>edovisats i f\u00f6rsta l\u00e4get.<span class=\"__13 _15e\"> </span>Nordea genomf<span class=\"__13 _b_12\"/>\u00f6r i regel inga transaktioner med in<span class=\"__13 _b_12\"/>tresse-<span class=\"__13 _15e\"> </span>f\u00f6r<span class=\"__13 _898\"/>etag och joint v<span class=\"__13 _898\"/>enture<span class=\"__13 _898\"/>s som omf<span class=\"__13 _b_12\"/>attar f\u00f6rs\u00e4ljning eller \u00f6ver-<span class=\"__13 _15e\"> </span>f\u00f6ring a<span class=\"__13 _b_12\"/>v tillg\u00e5ngar<span class=\"__13 _b_12\"/>, men om s\u00e5dana transaktioner sker elimi-<span class=\"__13 _15e\"> </span>neras Nordeas andel a<span class=\"__13 _b_12\"/>v eventuell vinst r<span class=\"__13 _b_12\"/>edovisad i intressef<span class=\"__13 _b_12\"/>\u00f6<span class=\"__13 _c_12\"/>-<span class=\"__13 _15e\"> </span>retaget eller join<span class=\"__13 _898\"/>t ven<span class=\"__13 _898\"/>ture-f\u00f6ret<span class=\"__13 _898\"/>aget. \u00d6vriga transaktioner<span class=\"__13 _15e\"> </span> mellan Nordea och dess in<span class=\"__13 _898\"/>tressef<span class=\"__13 _b_12\"/>\u00f6retag och joint ven<span class=\"__13 _b_12\"/>tures eli-<span class=\"__13 _15e\"> </span>mineras in<span class=\"__13 _898\"/>te.<span class=\"__13 _15e\"> </span>F\u00f6r vissa in<span class=\"__13 _b_12\"/>tressef\u00f6ret<span class=\"__13 _898\"/>ag och joint ven<span class=\"__13 _b_12\"/>tures som inte \u00e4r<span class=\"__13 _15e\"> </span> enskilt betydande baser<span class=\"__13 _b_12\"/>as f\u00f6r\u00e4ndringar i Nordeas andel a<span class=\"__13 _b_12\"/>v<span class=\"__13 _15e\"> </span> nettotillg\u00e5ngarna p\u00e5 in<span class=\"__13 _b_12\"/>tressef\u00f6retagens e<span class=\"__13 _b_12\"/>xterna rapportering<span class=\"__13 _15e\"> </span> och p\u00e5v<span class=\"__13 _b_12\"/>erkar Nordeas \ufb01nansiella rapporter i den period d\u00e5<span class=\"__13 _15e\"> </span> inf<span class=\"__13 _b_12\"/>ormationen blir tillg\u00e4nglig. Rapporteringen fr\u00e5n intr<span class=\"__13 _898\"/>essef<span class=\"__13 _898\"/>\u00f6-<span class=\"__13 _15e\"> </span>retagen och join<span class=\"__13 _898\"/>t ventur<span class=\"__13 _b_12\"/>e <span class=\"__13 _936\"/>f\u00f6r<span class=\"__13 _898\"/>etagen anpassas, d\u00e4r det \u00e4r till-<span class=\"__13 _15e\"> </span>l\u00e4mpligt, till Nordeas redovisningsprinciper<span class=\"__13 _b_12\"/>.<span class=\"__13 _15e\"> </span>Inves<span class=\"__13 _b_12\"/>teringar inom ramen f\u00f6r Nordeas in<span class=\"__13 _898\"/>vest<span class=\"__13 _898\"/>eringsverk<span class=\"__13 _b_12\"/>-<span class=\"__13 _15e\"> </span>samhet (klassi\ufb01cerad som del a<span class=\"__13 _b_12\"/>v Nordeas riskkapitalorgani-<span class=\"__13 _15e\"> </span>sation) v\u00e4r<span class=\"__13 _898\"/>deras till verkligt v<span class=\"__13 _b_12\"/>\u00e4rde i enlighet med reglerna i<span class=\"__13 _15e\"> </span> IAS 28 och IFRS 9.<span class=\"__13 _15e\"> </span>Aktier och andelar i in<span class=\"__13 _b_12\"/>tressef\u00f6retag och join<span class=\"__13 _b_12\"/>t ventures<span class=\"__13 _15e\"> </span>Mn euro<span class=\"__13 _3a_8\"> </span>31 dec 2022<span class=\"__13 _3b_7\"> </span>31 dec 2021<span class=\"__13 _15e\"> </span><span class=\"__13 _15e\">Anskaffningsv\u00e4r</span><span class=\"__13 _b_12\"/>de vid \u00e5rets b\u00f6rjan<span class=\"__13 _3c_7\"> </span><span class=\"ls3_12 wsa_12\">247<span class=\"__13 _3d_7\"> </span><span class=\"ls4_12 wsb_12\">576<span class=\"__13 _15e\"> </span></span></span><span class=\"__13 _15e\">F\u00f6rv\u00e4rv1</span><span class=\"__13 _3e_7\"> </span>329<span class=\"__13 _3f_7\"> </span>3<span class=\"__13 _15e\"> </span>F\u00f6rs\u00e4ljningar<span class=\"__13 _937\"> </span>0<span class=\"__13 _938\"> </span>\u2013<span class=\"__13 _15e\"> </span>Resulta<span class=\"__13 _898\"/>tandelar<span class=\"__13 _939\"> </span><span class=\"ls5_12 wsc_12\">-4<span class=\"__13 _940\"> </span></span>13<span class=\"__13 _15e\"> </span> Andel i \u00f6vrigt totalr<span class=\"__13 _b_12\"/>esultat<span class=\"__13 _941\"> </span>1<span class=\"__13 _942\"> </span>0<span class=\"__13 _15e\"> </span>Erh\u00e5llen utdelning<span class=\"__13 _943\"> </span>-8<span class=\"__13 _944\"> </span><span class=\"ls4_12 wsb_12\">-13<span class=\"__13 _15e\"> </span></span>Omklassi\ufb01ceringar<span class=\"__13 _945\"> </span>\u2013<span class=\"__13 _930\"> </span>-342<span class=\"__13 _15e\"> </span><span class=\"__13 _15e\">Omr\u00e4kningsdiff</span><span class=\"__13 _898\"/>erenser<span class=\"__13 _946\"> </span><span class=\"ls4_12 wsb_12\">-13<span class=\"__13 _940\"> </span></span>10<span class=\"__13 _15e\"> </span><span class=\"__13 _15e\">Anskaffningsv\u00e4r</span><span class=\"__13 _b_12\"/>de vid \u00e5rets slut<span class=\"__13 _4a_5\"> </span>552<span class=\"__13 _4b_5\"> </span>247<span class=\"__13 _15e\"> </span> Ackumulerade nedskrivningar vid \u00e5r<span class=\"__13 _b_12\"/>ets b\u00f6rjan<span class=\"__13 _4c_5\"> </span>-40<span class=\"__13 _4d_5\"> </span><span class=\"ls3_12 wsa_12\">-21<span class=\"__13 _15e\"> </span></span>Nedskrivningar<span class=\"__13 _4e_5\"> </span><span class=\"ls5_12 wsc_12\">-4<span class=\"__13 _4f_5\"> </span><span class=\"ls4_12 wsb_12\">-19<span class=\"__13 _15e\"> </span></span></span><span class=\"__13 _15e\">Omr\u00e4kningsdiff</span><span class=\"__13 _898\"/>erenser<span class=\"__13 _947\"> </span>1<span class=\"__13 _942\"> </span>0<span class=\"__13 _15e\"> </span>Ackumulerade nedskrivningar vid \u00e5r<span class=\"__13 _b_12\"/>ets slut<span class=\"__13 _948\"> </span><span class=\"ls5_12 wsc_12\">-43<span class=\"__13 _4b_5\"> </span></span>-40<span class=\"__13 _15e\"> </span> Redovisa<span class=\"__13 _898\"/>t v\u00e4rde<span class=\"__13 _949\"> </span>509<span class=\"__13 _4b_5\"> </span>207<span class=\"__13 _15e\"> </span>1) F\u00f6rv\u00e4rv av ak<span class=\"__13 _b_12\"/>tier och andelar i intressef\u00f6retag i <span class=\"__13 _b_12\"/>T<span class=\"__13 _b_12\"/>opdanmark Life uppg\u00e5r till 310 mn<span class=\"__13 _15e\"> </span> euro.<span class=\"__13 _15e\"> </span>K9.3   <span class=\"__13 _950\"/>Aktier och andelar i in<span class=\"__13 _b_12\"/>tressef<span class=\"__13 _b_12\"/>\u00f6retag och joint v<span class=\"__13 _b_12\"/>entures<span class=\"__13 _15e\"> </span>Redovisningsprinciper Intre<span class=\"__13 _898\"/>ssef\u00f6r<span class=\"__13 _b_12\"/>etag \u00e4r f\u00f6retag d\u00e4r Nordeas r<span class=\"__13 _898\"/>\u00f6str\u00e4<span class=\"__13 _b_12\"/>ttsandel uppg\u00e5r till mellan 20 procen<span class=\"__13 _b_12\"/>t och 50 procent och/<span class=\"__13 _b_12\"/>eller d\u00e4r Nordea har ett betydande infl<span class=\"__13 _b_12\"/>ytande. Betydande inflytande \u00e4r r<span class=\"__13 _b_12\"/>\u00e4tten att delta i beslut som r<span class=\"__13 _b_12\"/>\u00f6r f\u00f6retagets \ufb01nansiella och opera<span class=\"__13 _898\"/>tiva stra<span class=\"__13 _b_12\"/>tegier<span class=\"__13 _898\"/>, men ger inte ett bes<span class=\"__13 _b_12\"/>t\u00e4mmande inflytande eller gemensamt bes<span class=\"__13 _898\"/>t\u00e4mmande infl<span class=\"__13 _b_12\"/>ytande \u00f6ver dessa.<span class=\"__13 _15e\"> </span>Joint ven<span class=\"__13 _b_12\"/>tures \u00e4r f\u00f6ret<span class=\"__13 _898\"/>ag som Nordea har ett gemensam<span class=\"__13 _898\"/>t best\u00e4mmande in<span class=\"__13 _b_12\"/>flytande \u00f6ver<span class=\"__13 _b_12\"/>. Med gemensamt bes<span class=\"__13 _898\"/>t\u00e4mman-<span class=\"__13 _15e\"> </span>de inflyt<span class=\"__13 _b_12\"/>ande avses att tv\u00e5 eller fler<span class=\"__13 _b_12\"/>a par<span class=\"__13 _c_12\"/>ter i a<span class=\"__13 _b_12\"/>vtal reglerat att gemensamt ut\u00f6<span class=\"__13 _b_12\"/>va best\u00e4mmande infl<span class=\"__13 _898\"/>ytande \u00f6ver en ek<span class=\"__13 _898\"/>ono-<span class=\"__13 _15e\"> </span>misk verksamhet.<span class=\"__13 _15e\"> </span>Intre<span class=\"__13 _898\"/>ssef\u00f6r<span class=\"__13 _b_12\"/>etag och joint ventur<span class=\"__13 _898\"/>es inkluderas i k<span class=\"__13 _898\"/>oncernre-<span class=\"__13 _15e\"> </span>dovisningen och presen<span class=\"__13 _b_12\"/>teras enligt kapitalandelsmetoden. Vid f\u00f6rsta r<span class=\"__13 _b_12\"/>edovisningstillf\u00e4llet redo<span class=\"__13 _b_12\"/>visas investeringen till <span class=\"__13 _15e\">anskaffningsv</span><span class=\"__13 _b_12\"/>\u00e4rdet<span class=\"__13 _c_12\"/>. V<span class=\"__13 _b_12\"/>erkligt v\u00e4rde allokeras till in<span class=\"__13 _b_12\"/>tressef\u00f6re-<span class=\"__13 _15e\"> </span>tagens och joint v<span class=\"__13 _898\"/>enture-f<span class=\"__13 _b_12\"/>\u00f6retagens identi\ufb01erbara tillg\u00e5ngar<span class=\"__13 _906\"/>, skulder och even<span class=\"__13 _b_12\"/>tualf\u00f6rplikt<span class=\"__13 _898\"/>elser<span class=\"__13 _b_12\"/>. En eventuell skillnad mellan Nordeas andel a<span class=\"__13 _b_12\"/>v det verkliga v\u00e4rdet p\u00e5 de f\u00f6rv\u00e4rvade iden<span class=\"__13 _b_12\"/>ti-<span class=\"__13 _15e\"> </span>\ufb01erbara netto<span class=\"__13 _898\"/>tillg\u00e5ngarna och k\u00f6peskillingen \u00e4r goodwill eller negativ goodwill. Goodwill inkluderas i in<span class=\"__13 _b_12\"/>tressef\u00f6reta<span class=\"__13 _b_12\"/>-<span class=\"__13 _15e\"> </span>gens och joint ven<span class=\"__13 _b_12\"/>ture-f\u00f6retagens redo<span class=\"__13 _b_12\"/>visade v\u00e4rde.    Andelar i in<span class=\"__13 _b_12\"/>tressef\u00f6retags och join<span class=\"__13 _b_12\"/>t ventures r<span class=\"__13 _b_12\"/>esultat enligt kapitalandelsmetoden de\ufb01nieras s<span class=\"__13 _898\"/>om v\u00e4rdef<span class=\"__13 _b_12\"/>\u00f6r\u00e4ndring-<span class=\"__13 _15e\"> </span><span class=\"__13 _15e\">en, efter anskaff</span><span class=\"__13 _898\"/>ningsdagen, av Nor<span class=\"__13 _b_12\"/>deas andel av intre<span class=\"__13 _898\"/>ssef\u00f6-<span class=\"__13 _15e\"> </span>retagets och join<span class=\"__13 _898\"/>t ventur<span class=\"__13 _b_12\"/>e-<span class=\"__13 _c_12\"/>f\u00f6r<span class=\"__13 _b_12\"/>etagets nettotillg\u00e5ngar<span class=\"__13 _b_12\"/>. Nordeas andel av pos<span class=\"__13 _b_12\"/>ter redovisade i intre<span class=\"__13 _898\"/>ssef\u00f6r<span class=\"__13 _b_12\"/>etagens och joint  <span class=\"__13 _d_12\"/>venture-f<span class=\"__13 _b_12\"/>\u00f6retagens \u00f6vriga totalre<span class=\"__13 _898\"/>sultat r<span class=\"__13 _898\"/>edovisas i \u00f6vrigt<span class=\"__13 _15e\"> </span>184<span class=\"__13 _15e\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__13 _15e\"> </span>Inledning<span class=\"__13 _897\"> </span><span class=\"__13 _15e\">Aff</span><span class=\"__13 _898\"/>\u00e4rsomr\u00e5den<span class=\"__13 _899\"/><span class=\"ws0_13\">V<span class=\"__13 _b_12\"/>\u00e5ra intressent<span class=\"__13 _898\"/>er<span class=\"__13 _900\"> </span><span class=\"ff1_13\">Finansiella rapporter<span class=\"__13 _901\"/><span class=\"ff2_13 ws2_12\">F\u00f6rvaltningsber<span class=\"__13 _898\"/>\u00e4ttelse<span class=\"__13 _902\"> </span>H\u00e5llbarhetsnoter<span class=\"__13 _903\"> </span>\u00d6vrigt<span class=\"__13 _904\"/><span class=\"ws0_13\">Strategisk r<span class=\"__13 _898\"/>apport<span class=\"__13 _15e\"> </span></span></span></span></span>K9.3  Aktier och andelar<span class=\"__13 _898\"/> i intress<span class=\"__13 _898\"/>ef\u00f6retag och join<span class=\"__13 _b_12\"/>t ventures, forts.<span class=\"__13 _15e\"> </span>Intress<span class=\"__13 _898\"/>ef\u00f6r<span class=\"__13 _b_12\"/>etag<span class=\"__13 _15e\"> </span>Organisations-<span class=\"__13 _15e\"> </span>nummer<span class=\"__13 _951\"> </span><span class=\"ls2_12 ws4_12\"> S\u00e4te<span class=\"__13 _15e\"> </span></span>Redovisat v<span class=\"__13 _b_12\"/>\u00e4rde<span class=\"__13 _15e\"> </span> 2022, mn euro<span class=\"__13 _15e\"> </span>Redovisat v<span class=\"__13 _b_12\"/>\u00e4rde<span class=\"__13 _15e\"> </span> 2021, mn euro<span class=\"__13 _952\"> </span>R\u00f6standel %<span class=\"__13 _953\"> </span>\u00c4garandel %<span class=\"__13 _15e\"> </span>Eksport\ufb01nans ASA<span class=\"__13 _954\"> </span><span class=\"ws0_13\">816521432<span class=\"__13 _940\"> </span>Oslo<span class=\"__13 _955\"> </span><span class=\"ls3_12 wsa_12\">124<span class=\"__13 _932\"> </span></span>133<span class=\"__13 _956\"> </span><span class=\"ls5_12 wsc_12\">23<span class=\"__13 _956\"> </span>23<span class=\"__13 _15e\"> </span></span></span>Udviklingsselskabet Carlsberg Byen P<span class=\"__13 _906\"/>/S<span class=\"__13 _4b_5\"> </span>336<span class=\"__13 _c_12\"/>48499<span class=\"__13 _5a_5\"> </span>K\u00f6penhamn<span class=\"__13 _5b_5\"> </span>109<span class=\"__13 _5c_5\"> </span>\u2013<span class=\"__13 _956\"> </span><span class=\"ls5_12 wsc_12\">23<span class=\"__13 _956\"> </span>23<span class=\"__13 _15e\"> </span></span>Havneholmen P<span class=\"__13 _906\"/>/S <span class=\"__13 _5d_5\"> </span>38036572<span class=\"__13 _938\"> </span>\u00c5rhus<span class=\"__13 _5e_5\"> </span>80<span class=\"__13 _5c_5\"> </span>\u2013<span class=\"__13 _5f_5\"> </span>50<span class=\"__13 _5f_5\"> </span>50<span class=\"__13 _15e\"> </span>Margretheholmen P<span class=\"__13 _906\"/>/S<span class=\"__13 _957\"> </span>34609829<span class=\"__13 _5a_5\"> </span>K\u00f6penhamn<span class=\"__13 _958\"> </span>62<span class=\"__13 _5c_5\"> </span>\u2013<span class=\"__13 _5f_5\"> </span>50<span class=\"__13 _5f_5\"> </span>50<span class=\"__13 _15e\"> </span>P<span class=\"__13 _b_12\"/>/S Ottilia Copenhagen<span class=\"__13 _959\"> </span>40087095<span class=\"__13 _5a_5\"> </span>K\u00f6penhamn<span class=\"__13 _960\"> </span>41<span class=\"__13 _5c_5\"> </span>\u2013<span class=\"__13 _5f_5\"> </span>50<span class=\"__13 _5f_5\"> </span>50<span class=\"__13 _15e\"> </span>K/S Ejendomsholding Banemarksvej <span class=\"__13 _961\"> </span>43125834<span class=\"__13 _3f_7\"> </span>Glostrup<span class=\"__13 _962\"> </span>18<span class=\"__13 _5c_5\"> </span>\u2013<span class=\"__13 _963\"> </span>40<span class=\"__13 _963\"> </span>40<span class=\"__13 _15e\"> </span>Eiendomsverdi AS<span class=\"__13 _927\"> </span><span class=\"ws0_13\">8819<span class=\"__13 _898\"/>71682<span class=\"__13 _4c_5\"> </span>Oslo<span class=\"__13 _964\"> </span>13<span class=\"__13 _965\"> </span><span class=\"ls4_12 wsb_12\">14<span class=\"__13 _956\"> </span><span class=\"ls6_12 wsd_12\">25<span class=\"__13 _956\"> </span>25<span class=\"__13 _15e\"> </span></span></span></span>Bankomat AB<span class=\"__13 _966\"> </span><span class=\"ws0_13\">556817<span class=\"__13 _b_12\"/>-9716<span class=\"__13 _6a_5\"> </span>Stockholm <span class=\"__13 _6b_5\"> </span>9<span class=\"__13 _6c_5\"> </span>9<span class=\"__13 _5f_5\"> </span>20<span class=\"__13 _956\"> </span>20<span class=\"__13 _15e\"> </span></span>T<span class=\"__13 _b_12\"/>rill Impact AB<span class=\"__13 _6d_5\"> </span><span class=\"ws0_13\">559196-0827<span class=\"__13 _930\"> </span>Stockholm<span class=\"__13 _6e_5\"> </span>9<span class=\"__13 _956\"> </span>10<span class=\"__13 _6c_5\"> </span>6<span class=\"__13 _963\"> </span>40<span class=\"__13 _15e\"> </span></span>NF Fleet Oy<span class=\"__13 _6f_5\"> </span>2006935-5<span class=\"__13 _4c_5\"> </span>Espo<span class=\"__13 _920\"> </span>9<span class=\"__13 _5c_5\"> </span>9<span class=\"__13 _956\"> </span>20<span class=\"__13 _963\"> </span>20<span class=\"__13 _15e\"> </span>NF Fleet AB<span class=\"__13 _967\"> </span><span class=\"ws0_13\">556692-3271<span class=\"__13 _968\"> </span>Stockholm<span class=\"__13 _969\"> </span>7<span class=\"__13 _6c_5\"> </span>6<span class=\"__13 _5f_5\"> </span>20<span class=\"__13 _956\"> </span>20<span class=\"__13 _15e\"> </span></span>NF Fleet A/S<span class=\"__13 _970\"> </span><span class=\"ws0_13\">29185263<span class=\"__13 _3f_7\"> </span>K\u00f6penhamn<span class=\"__13 _971\"> </span>3<span class=\"__13 _972\"> </span>5<span class=\"__13 _5f_5\"> </span>20<span class=\"__13 _956\"> </span>20<span class=\"__13 _15e\"> </span></span>NF Fleet AS<span class=\"__13 _6f_5\"> </span><span class=\"ws0_13\">988906808<span class=\"__13 _973\"> </span>Oslo<span class=\"__13 _974\"> </span>2<span class=\"__13 _972\"> </span>3<span class=\"__13 _5f_5\"> </span>20<span class=\"__13 _956\"> </span>20<span class=\"__13 _15e\"> </span></span>E-nettet Holding A/S<span class=\"__13 _975\"> </span><span class=\"ws0_13\">28308019<span class=\"__13 _938\"> </span>K<span class=\"__13 _b_12\"/>\u00f6penhamn<span class=\"__13 _971\"> </span>3<span class=\"__13 _972\"> </span>3<span class=\"__13 _965\"> </span>19<span class=\"__13 _965\"> </span>19<span class=\"__13 _15e\"> </span></span>CrediWire ApS<span class=\"__13 _6d_5\"> </span><span class=\"ws0_13\">37<span class=\"__13 _c_12\"/>264628<span class=\"__13 _938\"> </span>K<span class=\"__13 _b_12\"/>\u00f6penhamn<span class=\"__13 _976\"> </span>2<span class=\"__13 _7a_5\"> </span>1<span class=\"__13 _7b_5\"> </span>7<span class=\"__13 _7b_5\"> </span>7<span class=\"__13 _15e\"> </span></span>Subaio ApS<span class=\"__13 _7c_5\"> </span><span class=\"ws0_13\">37766585<span class=\"__13 _942\"> </span>\u00c5lborg<span class=\"__13 _955\"> </span>1<span class=\"__13 _7a_5\"> </span>1<span class=\"__13 _5f_5\"> </span>20<span class=\"__13 _5f_5\"> </span>20<span class=\"__13 _15e\"> </span></span>Financial <span class=\"__13 _898\"/>T<span class=\"__13 _b_12\"/>ransaction Service B.<span class=\"__13 _b_12\"/>V<span class=\"__13 _b_12\"/>. <span class=\"__13 _972\"> </span>68914016<span class=\"__13 _942\"> </span>Amsterdam<span class=\"__13 _7d_6\"> </span>0<span class=\"__13 _6c_5\"> </span>4<span class=\"__13 _956\"> </span>10<span class=\"__13 _7e_5\"> </span>15<span class=\"__13 _15e\"> </span>Suomen Luotto-osuuskun<span class=\"__13 _898\"/>ta<span class=\"__13 _7f_6\"> </span>0201646-0<span class=\"__13 _4c_5\"> </span>Helsingfors<span class=\"__13 _977\"> </span>0<span class=\"__13 _7a_5\"> </span>1<span class=\"__13 _965\"> </span>27<span class=\"__13 _956\"> </span>27<span class=\"__13 _15e\"> </span>\u00d6vriga<span class=\"__13 _978\"> </span>0<span class=\"__13 _6c_5\"> </span>0<span class=\"__13 _15e\"> </span>Summa<span class=\"__13 _979\"> </span>492<span class=\"__13 _980\"> </span>199<span class=\"__13 _15e\"> </span>Nordeas andel a<span class=\"__13 _b_12\"/>v joint venture-f<span class=\"__13 _b_12\"/>\u00f6retagens aggregerade  balans- och resulta<span class=\"__13 _b_12\"/>tr\u00e4kningar uppg\u00e5r till:<span class=\"__13 _15e\"> </span>Mn euro<span class=\"__13 _981\"> </span>31 dec 2022<span class=\"__13 _982\"> </span>31 dec 2021<span class=\"__13 _15e\"> </span>Summa tillg\u00e5ngar<span class=\"__13 _983\"> </span>8<span class=\"__13 _984\"> </span>5<span class=\"__13 _15e\"> </span>\u00c5rets resulta<span class=\"__13 _b_12\"/>t<span class=\"__13 _985\"> </span><span class=\"ls7_12 wse_12\">-7<span class=\"__13 _986\"> </span></span>-5<span class=\"__13 _15e\"> </span>T<span class=\"__13 _906\"/>otalresulta<span class=\"__13 _b_12\"/>t<span class=\"__13 _8a_5\"> </span><span class=\"ls8_12 wsf_12\">-7<span class=\"__13 _948\"> </span></span>-5<span class=\"__13 _15e\"> </span>F\u00f6r in<span class=\"__13 _b_12\"/>formation om aktier och andelar i do<span class=\"__13 _b_12\"/>tterf\u00f6retag och<span class=\"__13 _15e\"> </span> f\u00f6r<span class=\"__13 _898\"/>etag d\u00e4r Nordea har obegr\u00e4nsa<span class=\"__13 _b_12\"/>t ansvar<span class=\"__13 _b_12\"/>, se not K9.<span class=\"__13 _b_12\"/>1 \u201dKon-<span class=\"__13 _15e\"> </span>soliderade f<span class=\"__13 _b_12\"/>\u00f6retag\u201d<span class=\"__13 _b_12\"/>.<span class=\"__13 _15e\"> </span>Joint ven<span class=\"__13 _b_12\"/>tures<span class=\"__13 _15e\"> </span>Organisations-<span class=\"__13 _15e\"> </span>nummer<span class=\"__13 _968\"> </span><span class=\"ls2_12 ws4_12\"> S\u00e4te<span class=\"__13 _15e\"> </span></span>Redovisat<span class=\"__13 _15e\"> </span> v\u00e4rde 2022,<span class=\"__13 _15e\"> </span> mn euro<span class=\"__13 _15e\"> </span>Redovisat<span class=\"__13 _15e\"> </span> v\u00e4rde 2021,<span class=\"__13 _15e\"> </span> mn euro<span class=\"__13 _905\"> </span>R\u00f6standel %<span class=\"__13 _8b_5\"> </span>\u00c4garandel %<span class=\"__13 _15e\"> </span>Genomsnittligt<span class=\"__13 _15e\"> </span> antal anst\u00e4llda<span class=\"__13 _15e\"> </span>Siirto Brand Oy<span class=\"__13 _8c_5\"> </span>3102648-1<span class=\"__13 _8d_5\"> </span>Helsingfors<span class=\"__13 _980\"> </span>1<span class=\"__13 _8e_5\"> </span>1<span class=\"__13 _8f_5\"> </span>50<span class=\"__13 _987\"> </span>50<span class=\"__13 _988\"> </span>\u2013<span class=\"__13 _15e\"> </span>Invidem AB<span class=\"__13 _989\"> </span><span class=\"ws0_13\">559210-0779<span class=\"__13 _982\"> </span>St<span class=\"__13 _b_12\"/>ockholm <span class=\"__13 _987\"> </span>3<span class=\"__13 _988\"> </span>1<span class=\"__13 _990\"> </span><span class=\"ls4_12 wsb_12\">17<span class=\"__13 _988\"> </span>17<span class=\"__13 _991\"> </span></span>33<span class=\"__13 _15e\"> </span></span>P27 Nordic Pa<span class=\"__13 _b_12\"/>yments Platform <span class=\"__13 _b_12\"/>AB<span class=\"__13 _992\"> </span>559198-9610<span class=\"__13 _993\"> </span>Stockholm <span class=\"__13 _961\"> </span>13<span class=\"__13 _994\"> </span>6<span class=\"__13 _990\"> </span><span class=\"ls4_12 wsb_12\">17<span class=\"__13 _988\"> </span>17<span class=\"__13 _995\"> </span>57<span class=\"__13 _15e\"> </span></span>Tibern AB<span class=\"__13 _996\"> </span><span class=\"ws0_13\">559384-3542<span class=\"__13 _9a_5\"> </span>Stockholm <span class=\"__13 _980\"> </span>0<span class=\"__13 _932\"> </span>\u2013<span class=\"__13 _940\"> </span><span class=\"ls4_12 wsb_12\">14<span class=\"__13 _951\"> </span>14<span class=\"__13 _988\"> </span></span>\u2013<span class=\"__13 _15e\"> </span></span>Summa<span class=\"__13 _9b_5\"> </span><span class=\"ls4_12 wsb_12\">17<span class=\"__13 _951\"> </span></span>8<span class=\"__13 _15e\"> </span>Summa intressef<span class=\"__13 _b_12\"/>\u00f6retag och joint ven<span class=\"__13 _898\"/>tures<span class=\"__13 _9c_6\"> </span>509<span class=\"__13 _9d_5\"> </span>207<span class=\"__13 _15e\"> </span>Nordeas andel a<span class=\"__13 _b_12\"/>v intressef<span class=\"__13 _898\"/>\u00f6retagens aggreger<span class=\"__13 _898\"/>ade balans-<span class=\"__13 _15e\"> </span> och resulta<span class=\"__13 _b_12\"/>tr\u00e4kningar uppg\u00e5r till:<span class=\"__13 _15e\"> </span>Mn euro<span class=\"__13 _3a_8\"> </span>31 dec 2022<span class=\"__13 _9e_5\"> </span>31 dec 2021<span class=\"__13 _15e\"> </span>Summa tillg\u00e5ngar<span class=\"__13 _9f_5\"> </span>819<span class=\"__13 _973\"> </span>462<span class=\"__13 _15e\"> </span>\u00c5rets resulta<span class=\"__13 _b_12\"/>t <span class=\"__13 _a0_5\"> </span>3<span class=\"__13 _961\"> </span>7<span class=\"__13 _15e\"> </span>\u00d6vrigt totalresul<span class=\"__13 _b_12\"/>tat<span class=\"__13 _a1_5\"> </span>1<span class=\"__13 _986\"> </span>0<span class=\"__13 _15e\"> </span>T<span class=\"__13 _906\"/>otalresulta<span class=\"__13 _898\"/>t<span class=\"__13 _a2_5\"> </span>4<span class=\"__13 _961\"> </span>7<span class=\"__13 _15e\"> </span>185<span class=\"__13 _15e\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__13 _15e\"> </span>Inledning<span class=\"__13 _897\"> </span><span class=\"__13 _15e\">Aff</span><span class=\"__13 _898\"/>\u00e4rsomr\u00e5den<span class=\"__13 _899\"/><span class=\"ws0_13\">V<span class=\"__13 _b_12\"/>\u00e5ra intressent<span class=\"__13 _898\"/>er<span class=\"__13 _900\"> </span><span class=\"ff1_13\">Finansiella rapporter<span class=\"__13 _901\"/><span class=\"ff2_13 ws2_12\">F\u00f6rvaltningsber<span class=\"__13 _898\"/>\u00e4ttelse<span class=\"__13 _902\"> </span>H\u00e5llbarhetsnoter<span class=\"__13 _903\"> </span>\u00d6vrigt<span class=\"__13 _904\"/><span class=\"ws0_13\">Strategisk r<span class=\"__13 _898\"/>apport<span class=\"__13 _15e\"> </span></span></span></span></span>K9.4  Andelar i struktur<span class=\"__13 _b_12\"/>erade f\u00f6r<span class=\"__13 _b_12\"/>etag<span class=\"__13 _15e\"> </span>Redovisningsprinciper<span class=\"__13 _15e\"> </span>Ett struk<span class=\"__13 _898\"/>turera<span class=\"__13 _898\"/>t f\u00f6r<span class=\"__13 _898\"/>etag \u00e4r ett f\u00f6r<span class=\"__13 _b_12\"/>etag som bildats f\u00f6r att uppn\u00e5 ett begr\u00e4nsat och v<span class=\"__13 _b_12\"/>\u00e4lde\ufb01nierat syfte, d\u00e4r r\u00f6str\u00e4<span class=\"__13 _b_12\"/>tten inte \u00e4r den av<span class=\"__13 _b_12\"/>g\u00f6rande fakt<span class=\"__13 _898\"/>orn f\u00f6r a<span class=\"__13 _b_12\"/>tt avg\u00f6ra om bes<span class=\"__13 _898\"/>t\u00e4mmande infl<span class=\"__13 _b_12\"/>ytande f\u00f6r<span class=\"__13 _898\"/>eligger<span class=\"__13 _b_12\"/>. Ofta \ufb01nns juridiska arrangemang som inneb\u00e4r strik<span class=\"__13 _b_12\"/>-<span class=\"__13 _15e\"> </span>ta begr\u00e4nsningar f<span class=\"__13 _b_12\"/>\u00f6r ledningens beslutander\u00e4tt i fr<span class=\"__13 _b_12\"/>\u00e5ga om den l\u00f6pande verksamheten i ett struk<span class=\"__13 _b_12\"/>turerat f<span class=\"__13 _b_12\"/>\u00f6retag. Samma kon-<span class=\"__13 _15e\"> </span>solideringskra<span class=\"__13 _b_12\"/>v g\u00e4ller f\u00f6r dessa f\u00f6r<span class=\"__13 _b_12\"/>etag, men eftersom aktier-<span class=\"__13 _15e\"> </span>nas r\u00f6str<span class=\"__13 _898\"/>\u00e4tt in<span class=\"__13 _898\"/>te \u00e4r det som a<span class=\"__13 _b_12\"/>vg\u00f6r om best\u00e4mmande infl<span class=\"__13 _898\"/>ytande f\u00f6r<span class=\"__13 _898\"/>eligger<span class=\"__13 _b_12\"/>, anv\u00e4nds andra f<span class=\"__13 _b_12\"/>aktorer f<span class=\"__13 _b_12\"/>\u00f6r att avg\u00f6r<span class=\"__13 _b_12\"/>a detta.<span class=\"__13 _15e\"> </span>Inflyt<span class=\"__13 _898\"/>ande kan f\u00f6r<span class=\"__13 _b_12\"/>eligga till f\u00f6ljd av a<span class=\"__13 _b_12\"/>vtal eller genom andra typer av in<span class=\"__13 _b_12\"/>flytande \u00f6ver ett struk<span class=\"__13 _b_12\"/>turerat f<span class=\"__13 _b_12\"/>\u00f6retag. Detta \u00e4r nor-<span class=\"__13 _15e\"> </span>malt fallet n\u00e4r Nor<span class=\"__13 _b_12\"/>dea har gett st\u00f6d till eller bildat ett struk<span class=\"__13 _b_12\"/>tu-<span class=\"__13 _15e\"> </span>rera<span class=\"__13 _898\"/>t f\u00f6r<span class=\"__13 _898\"/>etag eller n\u00e4r Nordea \u00e4r kapitalf<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>valt<span class=\"__13 _898\"/>are och efter eget gott\ufb01nnande f<span class=\"__13 _898\"/>attar beslut om in<span class=\"__13 _b_12\"/>vesteringar och andra administra<span class=\"__13 _b_12\"/>tiva fr\u00e5gor<span class=\"__13 _b_12\"/>.<span class=\"__13 _15e\"> </span>\u00c4<span class=\"__13 _b_12\"/>ven volatilitet i a<span class=\"__13 _b_12\"/>vkastningen \u00e4r en f\u00f6ruts\u00e4<span class=\"__13 _b_12\"/>ttning f\u00f6r konsoli<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>dering. Service- och provisionsa<span class=\"__13 _b_12\"/>vgifter i samband med bildan<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>det av s<span class=\"__13 _b_12\"/>trukturerade f<span class=\"__13 _b_12\"/>\u00f6retag \u00e4r i regel inte tillr<span class=\"__13 _b_12\"/>\u00e4ckligt stora f\u00f6r att f<span class=\"__13 _898\"/>\u00f6ranleda konsolidering, och detsamma g\u00e4ller om <span class=\"ws10_12\">Nor<span class=\"__13 _b_12\"/>dea<span class=\"__13 _c_12\"/><span class=\"ls0_13 ws0_13\"> </span></span>har rollen som kapitalf<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>valtar<span class=\"__13 _b_12\"/>e eller f\u00f6rvaringsinstitut. Finan<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>siering i form a<span class=\"__13 _b_12\"/>v fondandelar<span class=\"__13 _b_12\"/>, l\u00e5n eller kreditl\u00f6ften kan r<span class=\"__13 _b_12\"/>esultera i betydande vola<span class=\"__13 _898\"/>tilitet i a<span class=\"__13 _898\"/>vkastningen. Om <span class=\"ws10_12\">Nordea</span> \u00e4r e<span class=\"__13 _b_12\"/>xponerat f\u00f6r v<span class=\"__13 _898\"/>olatilitet i a<span class=\"__13 _b_12\"/>vkastningen och inflytandet \u00f6<span class=\"__13 _b_12\"/>ver f\u00f6retagen p\u00e5v<span class=\"__13 _b_12\"/>erkar avkastningen, s\u00e5 ska dessa s<span class=\"__13 _898\"/>truktur<span class=\"__13 _898\"/>erade f<span class=\"__13 _b_12\"/>\u00f6retag kon<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>solideras. Nor<span class=\"__13 _898\"/>dea<span class=\"ws0_13\"> bed\u00f6mer normalt att en andel uppg\u00e5ende till </span>mer \u00e4n 30 procen<span class=\"__13 _b_12\"/>t av avkas<span class=\"__13 _b_12\"/>tningen i ett strukturera<span class=\"__13 _b_12\"/>t f\u00f6retag ger upphov till vola<span class=\"__13 _898\"/>tilitet i a<span class=\"__13 _898\"/>vkastningen och d\u00e4rmed bes<span class=\"__13 _898\"/>t\u00e4mmande inflyt<span class=\"__13 _898\"/>ande. V<span class=\"__13 _b_12\"/>olatilitet i avkas<span class=\"__13 _b_12\"/>tningen ber\u00e4knas som summan av de av<span class=\"__13 _b_12\"/>gifter som erh\u00e5lls och omv\u00e4rdering a<span class=\"__13 _b_12\"/>v de tillg\u00e5ngar som innehas. F\u00f6r f<span class=\"__13 _b_12\"/>ondf\u00f6rs\u00e4kringar och andra kon<span class=\"__13 _b_12\"/>trakt d\u00e4r f\u00f6rs\u00e4k<span class=\"__13 _b_12\"/><span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>ringstagaren/ins\u00e4<span class=\"__13 _b_12\"/>ttaren best\u00e4mmer b\u00e5de belopp och vilka till<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>g\u00e5ngar som <span class=\"ws10_12\">Nordea</span> ska inv<span class=\"__13 _b_12\"/>estera i, anses <span class=\"ws10_12\">Nordea</span> v<span class=\"__13 _b_12\"/>ara agent och d\u00e4rmed inte ha bes<span class=\"__13 _b_12\"/>t\u00e4mmande inflytande.<span class=\"__13 _15e\"> </span>Konsolider<span class=\"__13 _b_12\"/>ade strukturerade f<span class=\"__13 _b_12\"/>\u00f6retag<span class=\"__13 _15e\"> </span>Viking ABCP<span class=\"__13 _b_12\"/> Conduit (Viking) har bildats med syftet att han-<span class=\"__13 _15e\"> </span>tera f<span class=\"__13 _b_12\"/>ordringar och skulder i samband med v\u00e4rdepapperisering gentemo<span class=\"__13 _b_12\"/>t nordiska kunder<span class=\"__13 _b_12\"/>. Viking handlar med fordringar fr<span class=\"__13 _b_12\"/>\u00e5n godk\u00e4nda s\u00e4ljare och \ufb01nansierar k<span class=\"__13 _898\"/>\u00f6pen genom att an<span class=\"__13 _898\"/>tingen utf\u00e4rda f<span class=\"__13 _b_12\"/>\u00f6retagscerti\ufb01kat via det etabler<span class=\"__13 _898\"/>ade programmet f<span class=\"__13 _b_12\"/>\u00f6r v\u00e4rdepapperiser<span class=\"__13 _b_12\"/>ade f\u00f6retagscerti\ufb01kat eller belas<span class=\"__13 _b_12\"/>ta tillg\u00e4ngliga likviditetsfacilit<span class=\"__13 _b_12\"/>eter<span class=\"__13 _898\"/>. Nordea har tillhandah\u00e5llit likviditetsf<span class=\"__13 _b_12\"/>aciliteter om maximalt <span class=\"__13 _15e\">1 006 mn euro (964 mn euro) v</span><span class=\"__13 _898\"/>ara<span class=\"__13 _b_12\"/><span class=\"__13 _15e\">v 826 mn euro (856 mn euro) </span>var utnyttja<span class=\"__13 _898\"/>t vid \u00e5rsskiftet. Tillg\u00e5ngarna i Viking uppgick vid <span class=\"__13 _15e\">\u00e5rsskiftet till 852 mn euro (1 007 mn euro). Viking k</span><span class=\"__13 _898\"/>onsolideras eftersom Nordea f<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>valtar f<span class=\"__13 _b_12\"/>\u00f6retaget och \u00e4r exponera<span class=\"__13 _b_12\"/>t f\u00f6r vola-<span class=\"__13 _15e\"> </span>tilitet i a<span class=\"__13 _898\"/>vkastningen via likviditetsf<span class=\"__13 _b_12\"/>aciliteten. Det \ufb01nns inga betydande res<span class=\"__13 _898\"/>triktioner f<span class=\"__13 _b_12\"/>\u00f6r \u00e5terbetalning av l\u00e5n f<span class=\"__13 _b_12\"/>r\u00e5n Viking, f\u00f6rutom a<span class=\"__13 _b_12\"/>tt betalningarna \u00e4r beroende av i vilken tak<span class=\"__13 _b_12\"/>t Viking realiserar sina tillg\u00e5ngar<span class=\"__13 _906\"/>.<span class=\"__13 _15e\"> </span>AR Finance inve<span class=\"__13 _898\"/>sterar i v<span class=\"__13 _b_12\"/>\u00e4rdepapper s\u00e4kerst\u00e4llda av k<span class=\"__13 _b_12\"/>und-<span class=\"__13 _15e\"> </span>for<span class=\"__13 _898\"/>dringar<span class=\"__13 _b_12\"/>. Nordea har tillhandah\u00e5llit likviditetsfacilit<span class=\"__13 _b_12\"/>eter om maximalt 150 mn euro (125 mn euro), v<span class=\"__13 _b_12\"/><span class=\"__13 _15e\">arav 103 mn euro </span><span class=\"__13 _15e\">(121 mn euro) v</span><span class=\"__13 _898\"/>ar utnyttjat vid \u00e5rsskiftet. F\u00f6r<span class=\"__13 _b_12\"/>etagets tillg\u00e5ngar uppgick vid \u00e5rsskiftet till 105 mn euro (122 mn euro). <span class=\"__13 _b_12\"/>AR Finan-<span class=\"__13 _15e\"> </span>ce konsolider<span class=\"__13 _898\"/>as eftersom Nordea f<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>valtar f<span class=\"__13 _b_12\"/>\u00f6retaget och  \u00e4r exponer<span class=\"__13 _898\"/>at f<span class=\"__13 _b_12\"/>\u00f6r volatilitet i avkas<span class=\"__13 _b_12\"/>tningen via likviditetsfaciliteten.<span class=\"__13 _15e\"> </span>Icke konsolider<span class=\"__13 _b_12\"/>ade strukturerade f<span class=\"__13 _b_12\"/>\u00f6retag<span class=\"__13 _15e\"> </span>Upplysningar l\u00e4mnas f<span class=\"__13 _b_12\"/>\u00f6r strukturerade f<span class=\"__13 _b_12\"/>\u00f6retag d\u00e4r Nordea har andelar men saknar best\u00e4mmande in<span class=\"__13 _898\"/>flytande. V<span class=\"__13 _b_12\"/>\u00e4rdepappers-<span class=\"__13 _15e\"> </span>fonder \u00e4r f<span class=\"__13 _b_12\"/>\u00f6r n\u00e4r<span class=\"__13 _c_12\"/>var<span class=\"__13 _898\"/>ande de enda icke-konsolider<span class=\"__13 _898\"/>ade struk<span class=\"__13 _898\"/>ture-<span class=\"__13 _15e\"> </span>rade f<span class=\"__13 _b_12\"/>\u00f6retag som Nordea har intress<span class=\"__13 _898\"/>en i.<span class=\"__13 _15e\"> </span>Nordea inve<span class=\"__13 _898\"/>ster<span class=\"__13 _898\"/>ar i v\u00e4rdepappersf<span class=\"__13 _b_12\"/>onder:<span class=\"__13 _15e\"> </span>\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">f\u00f6r f<span class=\"__13 _b_12\"/>\u00f6rs\u00e4kringstagares r\u00e4kning i <span class=\"ws0_13\">Nordea</span> Lif<span class=\"__13 _b_12\"/>e &amp; Pension<span class=\"__13 _15e\"> </span></span>\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">f\u00f6r spar<span class=\"__13 _b_12\"/>ares r\u00e4kning, d\u00e4r avkas<span class=\"__13 _b_12\"/>tningen \u00e4r baserad p\u00e5 </span>placeringen<span class=\"__13 _15e\"> </span>\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">som risks\u00e4kringar avs<span class=\"__13 _898\"/>eende exponeringar i s<span class=\"__13 _b_12\"/>trukturerade </span>produkt<span class=\"__13 _b_12\"/>er till kunder \u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">som \u00e4r illikvida riskkapital- och kr<span class=\"__13 _898\"/>editfonder<span class=\"__13 _906\"/>. <span class=\"__13 _a4_5\"> </span> <span class=\"__13 _a5_6\"> </span> </span>Nordeas e<span class=\"__13 _898\"/>xponering f\u00f6r v<span class=\"__13 _898\"/>olatilitet i a<span class=\"__13 _b_12\"/>vkastningen redovisas brutto, men nettoe<span class=\"__13 _b_12\"/>xponeringen \u00e4r betydligt mindre. V<span class=\"__13 _b_12\"/>\u00e4rdef\u00f6r-<span class=\"__13 _15e\"> </span>\u00e4ndringar i fondandelar f<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>v\u00e4rvade f<span class=\"__13 _b_12\"/>\u00f6r fondf\u00f6rs\u00e4kringstagar<span class=\"__13 _b_12\"/>es och sparares r<span class=\"__13 _b_12\"/>\u00e4kning, d\u00e4r de sj\u00e4lva b\u00e4r risken, \u00e5terspeglas i v\u00e4rdet p\u00e5 tillh\u00f6r<span class=\"__13 _898\"/>ande skulder<span class=\"__13 _906\"/>, och h\u00f6gsta nettoexponering f<span class=\"__13 _b_12\"/>\u00f6r f\u00f6rlus<span class=\"__13 _b_12\"/>ter \u00e4r noll. V\u00e4rdef<span class=\"__13 _b_12\"/>\u00f6r\u00e4ndringar i fondandelar som innehas f\u00f6r livf<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>s\u00e4kringstagares r<span class=\"__13 _b_12\"/>\u00e4kning (traditionella livf\u00f6rs\u00e4kringsav-<span class=\"__13 _15e\"> </span>tal) \u00f6verf<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>s till stor del till f<span class=\"__13 _b_12\"/>\u00f6rs\u00e4kringstagarna, men eftersom Nordea har l\u00e4mnat gar<span class=\"__13 _898\"/>antier f<span class=\"__13 _b_12\"/>\u00f6r vissa av dessa produk<span class=\"__13 _b_12\"/>ter \u00e4r Nordea e<span class=\"__13 _898\"/>xponerat f<span class=\"__13 _b_12\"/>\u00f6r v\u00e4rdef\u00f6r<span class=\"__13 _b_12\"/>\u00e4ndringarna. Fondandelar f<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>v\u00e4rvade f<span class=\"__13 _b_12\"/>\u00f6r risks\u00e4kring av struk<span class=\"__13 _898\"/>turerade produkt<span class=\"__13 _b_12\"/>er ska minska nettoexponeringarna i den m\u00e5n s\u00e4kring-<span class=\"__13 _15e\"> </span><span class=\"__13 _15e\">arna \u00e4r effek</span><span class=\"__13 _b_12\"/>tiva. Inves<span class=\"__13 _b_12\"/>teringar i illikvida riskkapital- och kreditfonder \u00e4r en naturlig del i hant<span class=\"__13 _b_12\"/>eringen av risker i Nordeas balansr\u00e4kning. Den maximala f\u00f6rlus<span class=\"__13 _b_12\"/>ten i dessa fonder ber\u00e4knas uppg\u00e5 till <span class=\"__13 _15e\">975 mn euro (875 mn euro</span><span class=\"__13 _b_12\"/>), vilket motsvarar v\u00e4r<span class=\"__13 _b_12\"/>det av inves<span class=\"__13 _b_12\"/>te-<span class=\"__13 _15e\"> </span>ringarna i fonderna.<span class=\"__13 _15e\"> </span>Nordea<span class=\"ws0_13\"> har etablera<span class=\"__13 _b_12\"/>t ett icke-konsoliderat struk<span class=\"__13 _b_12\"/>turerat f<span class=\"__13 _b_12\"/>\u00f6retag, </span>Thulite, utan att f<span class=\"__13 _b_12\"/>\u00f6r n\u00e4r<span class=\"__13 _c_12\"/>var<span class=\"__13 _898\"/>ande ha n\u00e5gon andel i det. D\u00e5 <span class=\"ws12_12\">Nordea</span><span class=\"ls0_13\"> </span>inte har n\u00e5go<span class=\"__13 _b_12\"/>t inflytande \u00f6ver f<span class=\"__13 _b_12\"/>\u00f6retaget anses <span class=\"ws12_12\">Nordea</span> ha spons<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>rat det. <span class=\"ws12_12\">Nordea</span> genomf<span class=\"__13 _b_12\"/>\u00f6rde en ny transak<span class=\"__13 _b_12\"/>tion med Thulite under 2022, d\u00e4r <span class=\"ws12_12\">Nordea</span> k\u00f6pt<span class=\"__13 _b_12\"/>e en \ufb01nansiell garanti f\u00f6r en portf<span class=\"__13 _b_12\"/>\u00f6lj av l\u00e5n. Nordea<span class=\"ws0_13\"> har tidigare k\u00f6p<span class=\"__13 _b_12\"/>t kreditskydd i form a<span class=\"__13 _b_12\"/>v ett CDS-kontrak<span class=\"__13 _b_12\"/>t<span class=\"__13 _c_12\"/> </span>och en \ufb01nansiell garan<span class=\"__13 _898\"/>ti fr\u00e5n <span class=\"__13 _b_12\"/>Thulite. <span class=\"ws12_12\">Nordea</span> har redo<span class=\"__13 _898\"/>visat min<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>dre \u00e4n 1 mn euro i in<span class=\"__13 _b_12\"/>t\u00e4kter fr\u00e5n <span class=\"__13 _b_12\"/>Thulite under 2021 och 2022.<span class=\"__13 _15e\"> </span>Nordea<span class=\"ws0_13\">s intr<span class=\"__13 _b_12\"/>essen i icke-konsoliderade struk<span class=\"__13 _b_12\"/>turerade f\u00f6r<span class=\"__13 _b_12\"/>etag<span class=\"__13 _c_12\"/> </span>och even<span class=\"__13 _898\"/>tuella tillh\u00f6rande skulder f<span class=\"__13 _b_12\"/>ramg\u00e5r av tabellen nedan. Det redovisade v<span class=\"__13 _898\"/>\u00e4rdet motsv<span class=\"__13 _898\"/>arar den maximala e<span class=\"__13 _b_12\"/>xponeringen mot<span class=\"__13 _c_12\"/> kreditf<span class=\"__13 _898\"/>\u00f6rluster<span class=\"__13 _906\"/>, f\u00f6re even<span class=\"__13 _b_12\"/>tuella s\u00e4kringar<span class=\"__13 _b_12\"/>. Int\u00e4kter f<span class=\"__13 _898\"/>r\u00e5n dessa inv<span class=\"__13 _b_12\"/>es<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>teringar redovisas s<span class=\"__13 _898\"/>om \u201dNettoresult<span class=\"__13 _898\"/>at a<span class=\"__13 _b_12\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__13 _906\"/>. Andelar i struktur<span class=\"__13 _b_12\"/>erade f\u00f6retag<span class=\"__13 _15e\"> </span>Mn euro<span class=\"__13 _a6_6\"> </span>31 dec 2022<span class=\"__13 _8b_5\"> </span>31 dec 2021<span class=\"__13 _15e\"> </span>Tillg\u00e5ngar<span class=\"__13 _b_12\"/>, redovisat v\u00e4rde:<span class=\"__13 _15e\"> </span>Andelar<span class=\"__13 _a7_6\"> </span>9 488<span class=\"__13 _a8_6\"> </span>11 504<span class=\"__13 _15e\"> </span>Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>s\u00e4kringsavt<span class=\"__13 _898\"/>al<span class=\"__13 _a9_6\"> </span>37 966<span class=\"__13 _8d_5\"> </span>4<span class=\"__13 _c_12\"/>3 898<span class=\"__13 _15e\"> </span>Summa tillg\u00e5ngar<span class=\"__13 _aa_5\"> </span>47 454<span class=\"__13 _ab_5\"> </span>55 402<span class=\"__13 _15e\"> </span>Skulder<span class=\"__13 _b_12\"/>, redovisat v\u00e4r<span class=\"__13 _b_12\"/>de:<span class=\"__13 _15e\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__13 _ac_5\"> </span>37 966<span class=\"__13 _8d_5\"> </span>4<span class=\"__13 _c_12\"/>3 898<span class=\"__13 _15e\"> </span>Skulder till f\u00f6rs\u00e4krings<span class=\"__13 _898\"/>tagare<span class=\"__13 _974\"> </span>8 349<span class=\"__13 _ad_5\"> </span>10 495<span class=\"__13 _15e\"> </span>Summa skulder <span class=\"__13 _ae_6\"> </span>46 315<span class=\"__13 _ab_5\"> </span>54 393<span class=\"__13 _15e\"> </span>Poster ut<span class=\"__13 _898\"/>anf<span class=\"__13 _898\"/>\u00f6r balansr\u00e4kningen, nominellt belopp:<span class=\"__13 _15e\"> </span>Kredit\u00e5taganden<span class=\"__13 _af_6\"> </span>\u2013<span class=\"__13 _3f_7\"> </span>\u2013<span class=\"__13 _15e\"> </span>Nordea har andelar i cirka 2 500 olika f<span class=\"__13 _b_12\"/>onder som klassi\ufb01ceras som icke-konsolider<span class=\"__13 _b_12\"/>ade strukturerade f<span class=\"__13 _b_12\"/>\u00f6retag, vara<span class=\"__13 _b_12\"/>v omkring 400 f\u00f6rvalt<span class=\"__13 _898\"/>as av Nor<span class=\"__13 _b_12\"/>dea. Dessa har olika investeringsmanda<span class=\"__13 _898\"/>t och riskpro\ufb01ler<span class=\"__13 _906\"/>, allt fr\u00e5n sta<span class=\"__13 _898\"/>tsobligationsf<span class=\"__13 _b_12\"/>onder med l\u00e5g risk till aktief<span class=\"__13 _b_12\"/>onder med h\u00e4vst\u00e5ng d\u00e4r risk<span class=\"__13 _898\"/>en \u00e4r h\u00f6g. <span class=\"__13 _b_12\"/>Tillg\u00e5ngarna i fon-<span class=\"__13 _15e\"> </span>der f\u00f6rvalt<span class=\"__13 _898\"/>ade av Nor<span class=\"__13 _b_12\"/>dea uppg\u00e5r till 190 md euro (233 md euro). <span class=\"__13 _b_12\"/>Alla fondinnehav \ufb01nansier<span class=\"__13 _b_12\"/>as genom ins\u00e4ttningar fr\u00e5n fondandels\u00e4garna. In<span class=\"__13 _b_12\"/>formation om tillg\u00e5ngarna i f<span class=\"__13 _898\"/>onder som inte f<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>valt<span class=\"__13 _898\"/>as av Nor<span class=\"__13 _b_12\"/>dea anses inte var<span class=\"__13 _898\"/>a relevan<span class=\"__13 _b_12\"/>t f\u00f6r f\u00f6rst<span class=\"__13 _898\"/>\u00e5elsen av de ak<span class=\"__13 _b_12\"/>tuella riskerna och redovisas d\u00e4rf\u00f6r in<span class=\"__13 _b_12\"/>te.<span class=\"__13 _15e\"> </span>186<span class=\"__13 _15e\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__13 _15e\"> </span>Inledning<span class=\"__13 _897\"> </span><span class=\"__13 _15e\">Aff</span><span class=\"__13 _898\"/>\u00e4rsomr\u00e5den<span class=\"__13 _899\"/><span class=\"ws0_13\">V<span class=\"__13 _b_12\"/>\u00e5ra intressent<span class=\"__13 _898\"/>er<span class=\"__13 _900\"> </span><span class=\"ff1_13\">Finansiella rapporter<span class=\"__13 _901\"/><span class=\"ff2_13 ws2_12\">F\u00f6rvaltningsber<span class=\"__13 _898\"/>\u00e4ttelse<span class=\"__13 _902\"> </span>H\u00e5llbarhetsnoter<span class=\"__13 _903\"> </span>\u00d6vrigt<span class=\"__13 _904\"/><span class=\"ws0_13\">Strategisk r<span class=\"__13 _898\"/>apport<span class=\"__13 _15e\"> </span></span></span></span></span>K9.5   <span class=\"__13 _950\"/>Tillg\u00e5ngar och sk<span class=\"__13 _898\"/>ulder som innehas f<span class=\"__13 _898\"/>\u00f6r f<span class=\"__13 _898\"/>\u00f6rs\u00e4ljning<span class=\"__13 _15e\"> </span>Redovisningsprinciper<span class=\"__13 _15e\"> </span>Enskilda tillg\u00e5ngar och avyttrings<span class=\"__13 _898\"/>grupper med tillg\u00e5ngar och skulder redo<span class=\"__13 _898\"/>visas p\u00e5 separat<span class=\"__13 _898\"/>a rader i balansr\u00e4kningen, \u201dTill<span class=\"__13 _b_12\"/>-<span class=\"__13 _15e\"> </span>g\u00e5ngar som innehas f\u00f6r f<span class=\"__13 _b_12\"/>\u00f6rs\u00e4ljning\u201d respektive \u201dSk<span class=\"__13 _898\"/>ulder som innehas f\u00f6r f<span class=\"__13 _b_12\"/>\u00f6rs\u00e4ljning\u201d<span class=\"__13 _b_12\"/>, fr\u00e5n klassi\ufb01ceringsdagen. Detta sker n\u00e4r f<span class=\"__13 _b_12\"/>\u00f6ljande kriterier uppfylls:<span class=\"__13 _15e\"> </span>\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Det redovisade v<span class=\"__13 _898\"/>\u00e4rdet kommer i huvudsak att \u00e5<span class=\"__13 _b_12\"/>ter<span class=\"__13 _c_12\"/>vinnas </span>genom f\u00f6rs\u00e4ljning, in<span class=\"__13 _898\"/>te genom f<span class=\"__13 _898\"/>ortl\u00f6pande anv\u00e4ndning.<span class=\"__13 _15e\"> </span>\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Beslut om f<span class=\"__13 _898\"/>\u00f6rs\u00e4ljning har fatta<span class=\"__13 _b_12\"/>ts p\u00e5 r\u00e4tt niv\u00e5 och tillg\u00e5ngen </span>eller avyttrings<span class=\"__13 _898\"/>gruppen kan s\u00e4ljas i be\ufb01ntligt skick.<span class=\"__13 _15e\"> </span>\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">F\u00f6rs\u00e4ljningen \u00e4r my<span class=\"__13 _b_12\"/>cket sannolik och kommer att genom<span class=\"ws0_13\">-<span class=\"__13 _15e\"> </span></span></span>f\u00f6r<span class=\"__13 _b_12\"/>as inom 12 m\u00e5nader.<span class=\"__13 _15e\"> </span>Finansiella instrument v<span class=\"__13 _b_12\"/>\u00e4rderas \u00e4v<span class=\"__13 _b_12\"/>en forts\u00e4ttningsvis enligt reglerna i IFRS 9, medan icke-\ufb01nansiella tillg\u00e5ngar redovisas till det l\u00e4gre a<span class=\"__13 _b_12\"/>v redovisat v\u00e4rde och v<span class=\"__13 _898\"/>erkligt v\u00e4rde. J\u00e4m<span class=\"__13 _b_12\"/>f\u00f6rel-<span class=\"__13 _15e\"> </span><span class=\"__13 _15e\">sesiffror r</span><span class=\"__13 _b_12\"/>\u00e4knas inte om.<span class=\"__13 _15e\"> </span>Under 2018, i samband med att Nordea och DnB s\u00e5lde omkring 60 procen<span class=\"__13 _b_12\"/>t av sitt samlade innehav i L<span class=\"__13 _898\"/>uminor till Blackstone, tecknade Nor<span class=\"__13 _b_12\"/>dea och Blackstone dessutom avtal om fram<span class=\"__13 _b_12\"/>tida f\u00f6rs\u00e4ljning av Nordeas \u00e5<span class=\"__13 _b_12\"/>terst\u00e5ende innehav om 19,95 procen<span class=\"__13 _b_12\"/>t under kommande \u00e5r<span class=\"__13 _898\"/>. Per den 31 december 2021 hade Nordea 11,6 procen<span class=\"__13 _b_12\"/>t av aktierna i L<span class=\"__13 _b_12\"/>uminor, till ett v<span class=\"__13 _b_12\"/>\u00e4rde av 180 mn eur<span class=\"__13 _b_12\"/>o. Aktierna klassi\ufb01cer<span class=\"__13 _b_12\"/>ades som tillg\u00e5ngar som innehas f\u00f6r f<span class=\"__13 _b_12\"/>\u00f6rs\u00e4ljning, till f\u00f6ljd av a<span class=\"__13 _b_12\"/>vtalet med Blackstone om fram<span class=\"__13 _b_12\"/>tida f\u00f6rs\u00e4ljning. De \u00e5terst\u00e5ende ak<span class=\"__13 _b_12\"/>tierna s\u00e5ldes den  1 september 2022.<span class=\"__13 _15e\"> </span>K9.6 F<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>v\u00e4rv<span class=\"__13 _15e\"> </span>Redovisningsprinciper<span class=\"__13 _15e\"> </span>I samband med f\u00f6r<span class=\"__13 _898\"/>etagsf\u00f6rv\u00e4rv redo<span class=\"__13 _898\"/>visas de f\u00f6rv\u00e4rvade iden<span class=\"ws0_13\">-<span class=\"__13 _15e\"> </span></span>ti\ufb01erbara tillg\u00e5ngarna och skulderna till v<span class=\"__13 _b_12\"/>erkligt v\u00e4rde, inklu-<span class=\"__13 _15e\"> </span>sive even<span class=\"__13 _b_12\"/>tuella immateriella tillg\u00e5ngar som identi\ufb01er<span class=\"__13 _b_12\"/>ats vid f\u00f6rv\u00e4rvet. Det verkliga v\u00e4rdet, netto, p\u00e5 iden<span class=\"__13 _b_12\"/>ti\ufb01erbara till-<span class=\"__13 _15e\"> </span>g\u00e5ngar och skulder j\u00e4mf<span class=\"__13 _b_12\"/>\u00f6rs med erlagd k\u00f6peskilling och even<span class=\"__13 _898\"/>tuellt \u00f6v<span class=\"__13 _898\"/>erskott redo<span class=\"__13 _898\"/>visas som goodwill. Se \u00e4ven no<span class=\"__13 _b_12\"/>t K9.<span class=\"__13 _b_12\"/><span class=\"__13 _15e\">1 \u201dKonsolider</span><span class=\"__13 _898\"/>ade f\u00f6r<span class=\"__13 _898\"/>etag\u201d<span class=\"__13 _906\"/>.<span class=\"__13 _15e\"> </span>F<span class=\"__13 _898\"/>\u00f6rv\u00e4rvet av <span class=\"__13 _b_12\"/>T<span class=\"__13 _906\"/>opdanmark Lif<span class=\"__13 _b_12\"/>e (Nordea Pension)<span class=\"__13 _15e\"> </span>Den 1 december 2022 slutf<span class=\"__13 _b_12\"/>\u00f6rdes f\u00f6rv\u00e4rvet av sam<span class=\"__13 _b_12\"/>tliga aktier i T<span class=\"__13 _906\"/>opdanmark Liv Holding <span class=\"__13 _898\"/>A/S. <span class=\"__13 _b_12\"/>T<span class=\"__13 _906\"/>opdanmark Liv Holding A/S \u00e4r moderf\u00f6retaget i en k<span class=\"__13 _898\"/>oncern som innef<span class=\"__13 _b_12\"/>attar f\u00f6rs\u00e4kringsbola-<span class=\"__13 _15e\"> </span>get <span class=\"__13 _b_12\"/>T<span class=\"__13 _906\"/>opdanmark Livsforsikring A/S sam<span class=\"__13 _b_12\"/>t kapitalf\u00f6rvaltnings- och fas<span class=\"__13 _898\"/>tighetsbolag. Koncernen bedriv<span class=\"__13 _b_12\"/>er liv- och pensionsr\u00f6-<span class=\"__13 _15e\"> </span>relse i Danmark. Koncernen hade cirk<span class=\"__13 _898\"/>a 300 anst\u00e4llda och <span class=\"__13 _15e\">12 md euro i f</span><span class=\"__13 _898\"/>\u00f6rvaltade tillg\u00e5ngar p\u00e5 f<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>v\u00e4rvsdagen. F\u00f6rv\u00e4r-<span class=\"__13 _15e\"> </span>vet kompletter<span class=\"__13 _b_12\"/>ar Nordeas utbud av liv- och pensionsproduk<span class=\"__13 _b_12\"/>-<span class=\"__13 _15e\"> </span>ter i Norden och trappar upp v<span class=\"__13 _b_12\"/>\u00e5ra strat<span class=\"__13 _898\"/>egiska ambitioner p\u00e5 sparandeomr\u00e5det.<span class=\"__13 _15e\"> </span>En k\u00f6peskilling p\u00e5 283 mn euro betalades till <span class=\"__13 _b_12\"/>T<span class=\"__13 _906\"/>opdanmark Forsikring <span class=\"__13 _b_12\"/>A/S i December<span class=\"__13 _898\"/>. Den prelimin\u00e4ra f<span class=\"__13 _b_12\"/>\u00f6rdelningen av k\u00f6peskillingen redo<span class=\"__13 _898\"/>visas nedan.<span class=\"__13 _15e\"> </span>Mn euro<span class=\"__13 _b0_5\"> </span>1 dec 2022<span class=\"__13 _15e\"> </span>R\u00e4nteb\u00e4r<span class=\"__13 _898\"/>ande v\u00e4rdepapper<span class=\"__13 _b1_5\"> </span>5 345<span class=\"__13 _15e\"> </span>Aktier och andelar<span class=\"__13 _b2_6\"> </span>4 239<span class=\"__13 _15e\"> </span>\u00d6vriga tillg\u00e5ngar<span class=\"__13 _b3_5\"> </span>2 841<span class=\"__13 _15e\"> </span>Skulder till f\u00f6rs\u00e4krings<span class=\"__13 _898\"/>tagare<span class=\"__13 _908\"> </span>-11 030<span class=\"__13 _15e\"> </span>\u00d6vriga skulder<span class=\"__13 _b4_5\"> </span>-1 539<span class=\"__13 _15e\"> </span>F\u00f6rv\u00e4rvade netto<span class=\"__13 _b_12\"/><span class=\"__13 _15e\">tillg\u00e5ngar1</span><span class=\"__13 _945\"> </span><span class=\"ls4_12 wsb_12\">-144<span class=\"__13 _15e\"> </span></span>F\u00f6rv\u00e4rvspris, kont<span class=\"__13 _898\"/>antregler<span class=\"__13 _898\"/>ad<span class=\"__13 _b1_5\"> </span>283<span class=\"__13 _15e\"> </span>Ber\u00e4knat ytterligar<span class=\"__13 _898\"/>e f\u00f6rv\u00e4rvspris<span class=\"__13 _b5_6\"> </span><span class=\"ls3_12 wsa_12\">-2<span class=\"__13 _15e\"> </span></span>F\u00f6rv\u00e4rvskostnad<span class=\"__13 _b6_6\"> </span>281<span class=\"__13 _15e\"> </span>\u00d6verv\u00e4rde<span class=\"__13 _b7_6\"> </span><span class=\"lsc_12 ws15_12\">425<span class=\"__13 _15e\"> </span></span>F\u00f6rdelning av \u00f6verv\u00e4rde:<span class=\"__13 _15e\"> </span>Immateriella tillg\u00e5ngar f<span class=\"__13 _b_12\"/>\u00f6r kundrelationer<span class=\"__13 _b8_5\"> </span>39<span class=\"__13 _15e\"> </span>Uppskjutna skattef<span class=\"__13 _b_12\"/>ordringar<span class=\"__13 _3a_8\"> </span><span class=\"lsd_11 ws16_12\">42<span class=\"__13 _15e\"> </span></span>Goodwill<span class=\"__13 _911\"> </span>344<span class=\"__13 _15e\"> </span>1) Inklusive justering till v<span class=\"__13 _898\"/>erkligt v\u00e4rde a<span class=\"__13 _898\"/>vseende programv<span class=\"__13 _898\"/>ara och skulder till f<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>s\u00e4k-<span class=\"__13 _15e\"> </span>ringstagare i <span class=\"__13 _b_12\"/>T<span class=\"__13 _b_12\"/>opdanmark Life. Nordea har uppskatta<span class=\"__13 _b_12\"/>t det verkliga v\u00e4rdet p\u00e5 skulder till f<span class=\"__13 _b_12\"/>\u00f6r-<span class=\"__13 _15e\"> </span>s\u00e4kringstagare med samma modell som an<span class=\"__13 _b_12\"/>v\u00e4nds f\u00f6r att upp-<span class=\"__13 _15e\"> </span>skatta verkligt v<span class=\"__13 _b_12\"/>\u00e4rde under \u00f6verg\u00e5ngen till IFRS 17<span class=\"__13 _906\"/>, vilken beskrivs i not 10.6 \u201d\u00d6ver<span class=\"__13 _b_12\"/>g\u00e5ng till IFRS 17 F\u00f6rs\u00e4kringsavtal\u201d<span class=\"__13 _906\"/>. Detta medf\u00f6r en \u00f6kning a<span class=\"__13 _b_12\"/>v skulder till f\u00f6rs\u00e4kringst<span class=\"__13 _898\"/>agare p\u00e5 194 mn euro och en motsv<span class=\"__13 _898\"/>arande minskning a<span class=\"__13 _b_12\"/>v \u201dF\u00f6rv\u00e4rvade nettotillg\u00e5ngar\u201d<span class=\"__13 _b_12\"/><span class=\"__13 _15e\">, i linje med den effekt p\u00e5 a</span><span class=\"__13 _b_12\"/>vtal i Nordeas balansr\u00e4kning som uppst<span class=\"__13 _b_12\"/>od vid \u00f6verg\u00e5ngen den 1 januari 2022. En stor del a<span class=\"__13 _b_12\"/>v justeringen kommer att ing\u00e5 i den a<span class=\"__13 _b_12\"/>vtal-<span class=\"__13 _15e\"> </span>senliga marginalen enligt IFRS 17<span class=\"__13 _906\"/>.<span class=\"__13 _15e\"> </span>Nordea har ocks\u00e5 uppskatta<span class=\"__13 _b_12\"/>t det verkliga v\u00e4rdet p\u00e5 T<span class=\"__13 _906\"/>opdanmark Lif<span class=\"__13 _898\"/>es program<span class=\"__13 _b_12\"/>varor till 44 mn euro, vilket \u00e4r <span class=\"__13 _15e\">31 mn euro l\u00e4gre \u00e4n det redo</span><span class=\"__13 _b_12\"/>visade v\u00e4rdet i <span class=\"__13 _b_12\"/>T<span class=\"__13 _906\"/>opdanmark Life. Det verkliga v\u00e4r<span class=\"__13 _898\"/>det speglar den uppskattade ers\u00e4ttningsk<span class=\"__13 _898\"/>ost-<span class=\"__13 _15e\"> </span>naden. V<span class=\"__13 _b_12\"/>\u00e4rdeminskningen redovisas under \u201dF<span class=\"__13 _898\"/>\u00f6rv\u00e4rvade net-<span class=\"__13 _15e\"> </span>totillg\u00e5ngar\u201d<span class=\"__13 _b_12\"/>. Programvar<span class=\"__13 _898\"/>ornas verkliga v\u00e4r<span class=\"__13 _898\"/>de kommer att skrivas a<span class=\"__13 _b_12\"/>v under tio \u00e5r, vilk<span class=\"__13 _b_12\"/>et motsvarar den ber\u00e4knade nyttjandeperioden.<span class=\"__13 _15e\"> </span>F\u00f6r f<span class=\"__13 _b_12\"/>ondf\u00f6rs\u00e4kringsavtal har en k<span class=\"__13 _b_12\"/>undrelaterad immat<span class=\"__13 _898\"/>eriell tillg\u00e5ng identi\ufb01er<span class=\"__13 _898\"/>ats. Denna tillg\u00e5ng speglar det resul<span class=\"__13 _898\"/>tat minus kapitalkostnad s<span class=\"__13 _898\"/>om f\u00f6rv\u00e4n<span class=\"__13 _b_12\"/>tas komma fr\u00e5n be\ufb01ntliga avtal. I v<span class=\"__13 _898\"/>\u00e4rdet p\u00e5 den immateriella tillg\u00e5ngen ing\u00e5r ocks\u00e5 resulta<span class=\"__13 _b_12\"/>t minus kapitalkostnad fr\u00e5n f<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>v\u00e4n<span class=\"__13 _b_12\"/>tade framtida pre-<span class=\"__13 _15e\"> </span>mier fr\u00e5n be\ufb01n<span class=\"__13 _b_12\"/>tliga kunder<span class=\"__13 _b_12\"/>. Tillg\u00e5ngen kommer a<span class=\"__13 _b_12\"/>tt skrivas av under tio \u00e5r<span class=\"__13 _b_12\"/>, vilket motsvar<span class=\"__13 _898\"/>ar den ber\u00e4knade kundoms\u00e4ttningen. Goodwill avser f<span class=\"__13 _b_12\"/>r\u00e4mst v\u00e4rdet p\u00e5 den samlade arbetss<span class=\"__13 _898\"/>tyr-<span class=\"__13 _15e\"> </span>kan och synergier<span class=\"__13 _b_12\"/>, s\u00e5som korsf\u00f6rs\u00e4ljning med Nordeas be<span class=\"__13 _898\"/>\ufb01nt-<span class=\"__13 _15e\"> </span>liga kundbas och h\u00f6gre f<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>valta<span class=\"__13 _b_12\"/>t kapital f\u00f6r Nordea<span class=\"ws17_11\"> Asset </span>Management. Synergierna f<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>v\u00e4n<span class=\"__13 _b_12\"/>tas uppst\u00e5 i Nordeakoncer-<span class=\"__13 _15e\"> </span>nen. Den samlade arbetsstyrkan och synergierna kan in<span class=\"__13 _b_12\"/>te redovisas som separ<span class=\"__13 _b_12\"/>ata immateriella tillg\u00e5ngar enligt IFRS 3, och redovisas d\u00e4rmed som goodwill. Denna goodwill f<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>v\u00e4n-<span class=\"__13 _15e\"> </span>tas vara e<span class=\"__13 _898\"/>vig och kommer d\u00e4rmed int<span class=\"__13 _b_12\"/>e att skrivas av<span class=\"__13 _906\"/>. R\u00f6relser<span class=\"__13 _b_12\"/>esultatet f\u00f6r den m\u00e5nad d\u00e5 f<span class=\"__13 _b_12\"/>\u00f6retaget konsolideras-<span class=\"__13 _15e\"> </span>des var obetydligt. Motsvar<span class=\"__13 _b_12\"/>ande r\u00f6relseresulta<span class=\"__13 _b_12\"/>t proforma, om f\u00f6r<span class=\"__13 _898\"/>etaget hade konsolidera<span class=\"__13 _b_12\"/>ts fr\u00e5n 1 januari 2022, var 6 mn euro, e<span class=\"__13 _b_12\"/><span class=\"__13 _15e\">xklusive effek</span><span class=\"__13 _b_12\"/>ten av justeringen a<span class=\"__13 _b_12\"/>v skulder till f\u00f6rs\u00e4k<span class=\"__13 _b_12\"/>-<span class=\"__13 _15e\"> </span>ringstagare eft<span class=\"__13 _b_12\"/>er<span class=\"__13 _c_12\"/>som den int<span class=\"__13 _898\"/>e var m\u00f6jlig att uppska<span class=\"__13 _b_12\"/>tta.<span class=\"__13 _15e\"> </span>187<span class=\"__13 _15e\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__13 _15e\"> </span>Inledning<span class=\"__13 _897\"> </span><span class=\"__13 _15e\">Aff</span><span class=\"__13 _898\"/>\u00e4rsomr\u00e5den<span class=\"__13 _899\"/><span class=\"ws0_13\">V<span class=\"__13 _b_12\"/>\u00e5ra intressent<span class=\"__13 _898\"/>er<span class=\"__13 _900\"> </span><span class=\"ff1_13\">Finansiella rapporter<span class=\"__13 _901\"/><span class=\"ff2_13 ws2_12\">F\u00f6rvaltningsber<span class=\"__13 _898\"/>\u00e4ttelse<span class=\"__13 _902\"> </span>H\u00e5llbarhetsnoter<span class=\"__13 _903\"> </span>\u00d6vrigt<span class=\"__13 _904\"/><span class=\"ws0_13\">Strategisk r<span class=\"__13 _898\"/>apport<span class=\"__13 _15e\"> </span></span></span></span></span>K10 <span class=\"__13 _905\"> </span>\u00d6vriga upplysningar<span class=\"__13 _15e\"> </span>K10.<span class=\"__13 _906\"/>1 <span class=\"__13 _933\"> </span> Ytterligar<span class=\"__13 _b_12\"/>e <span class=\"__13 _a_12\"> </span>uppl<span class=\"__13 _b_12\"/>ysningar om rapporten \u00f6v<span class=\"__13 _b_12\"/>er f<span class=\"__13 _898\"/>\u00f6r\u00e4ndringar i eget kapital<span class=\"__13 _15e\"> </span>Redovisningsprinciper<span class=\"__13 _15e\"> </span>Eget kapit<span class=\"__13 _898\"/>al inneb\u00e4r en residual r\u00e4<span class=\"__13 _b_12\"/>tt i redovisade tillg\u00e5ngar<span class=\"__13 _b_12\"/>, efter a<span class=\"__13 _b_12\"/>vdrag f\u00f6r redo<span class=\"__13 _b_12\"/>visade skulder<span class=\"__13 _b_12\"/>. F\u00f6r eget kapital \ufb01nns inte n\u00e5got kra<span class=\"__13 _b_12\"/>v p\u00e5 att distribuera kassa<span class=\"__13 _898\"/>fl\u00f6den. Instrumen<span class=\"__13 _898\"/>ten klas<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>si\ufb01ceras som \ufb01nansiella sk<span class=\"__13 _b_12\"/>ulder om s\u00e5dana genuina krav f<span class=\"__13 _898\"/>\u00f6re<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>ligger<span class=\"__13 _b_12\"/>, ex<span class=\"__13 _898\"/>empelvis att bet<span class=\"__13 _898\"/>ala r\u00e4nt<span class=\"__13 _b_12\"/>a n\u00e4r en utl\u00f6sande h\u00e4ndelse bortom emittentens och inneha<span class=\"__13 _b_12\"/>varens kon<span class=\"__13 _b_12\"/><span class=\"__13 _15e\">troll intr\u00e4ff</span><span class=\"__13 _b_12\"/>ar<span class=\"__13 _898\"/>. Se not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d f<span class=\"__13 _b_12\"/>\u00f6r mer informa<span class=\"__13 _b_12\"/>tion inklu<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>sive de kritiska bed\u00f6mningar som <span class=\"ws10_12\">Nordea</span> an<span class=\"__13 _b_12\"/>v\u00e4nder sig av<span class=\"__13 _b_12\"/>. Alla utbetalningar f\u00f6rknippade med ins<span class=\"__13 _b_12\"/>trument klassi\ufb01ce-<span class=\"__13 _15e\"> </span>rade som eget kapital r<span class=\"__13 _898\"/>edovisas som utdelning dir<span class=\"__13 _898\"/>ekt under eget kapital. Nordea behandlar betalningar p\u00e5 \ufb01nansiella instrument klassi\ufb01c<span class=\"__13 _b_12\"/>erade som eget kapital (det vill s\u00e4ga pri-<span class=\"__13 _15e\"> </span>m\u00e4rkapitaltillsko<span class=\"__13 _b_12\"/>tt) som vinstutdelning, och d\u00e4rf\u00f6r redovisas dessa som utdelningar<span class=\"__13 _906\"/>. Utdelning till aktie\u00e4gare redovisas som minskning av eget k<span class=\"__13 _898\"/>apital efter att den or<span class=\"__13 _b_12\"/>dinarie bolags-<span class=\"__13 _15e\"> </span>st\u00e4mman har an<span class=\"__13 _898\"/>tagit f\u00f6rslaget. I situationer n\u00e4r den ordinarie bolagsst\u00e4mman har givit styr<span class=\"__13 _b_12\"/>elsen mandat att fa<span class=\"__13 _898\"/>tta beslut om utdelning upp till ett visst belopp, bokf<span class=\"__13 _b_12\"/>\u00f6rs minskningen av eget kapital n\u00e4r styrels<span class=\"__13 _898\"/>en har fa<span class=\"__13 _898\"/>ttat beslut om ut<span class=\"__13 _898\"/>delning.<span class=\"__13 _15e\"> </span>Inves<span class=\"__13 _b_12\"/>teringar i egna aktier redovisas in<span class=\"__13 _b_12\"/>te som tillg\u00e5ngar utan som en minskning a<span class=\"__13 _898\"/>v eget kapital med a<span class=\"__13 _b_12\"/>vdrag f\u00f6r ev<span class=\"__13 _898\"/>en-<span class=\"__13 _15e\"> </span>tuella transak<span class=\"__13 _898\"/>tionskostnader<span class=\"__13 _906\"/>. F\u00f6rv\u00e4rv av egna ak<span class=\"__13 _898\"/>tier inom ramen f<span class=\"__13 _b_12\"/>\u00f6r Markets handelsverksamhet redovisas som en minskning av in<span class=\"__13 _b_12\"/>vesterat f<span class=\"__13 _b_12\"/>ritt eget kapital. Egna aktier som f<span class=\"__13 _b_12\"/>\u00f6r-<span class=\"__13 _15e\"> </span>v\u00e4rvats i syfte att op<span class=\"__13 _b_12\"/>timera kapitalstruktur<span class=\"__13 _b_12\"/>en och inom ramen f\u00f6r Nor<span class=\"__13 _898\"/>deas aktie\u00e5<span class=\"__13 _898\"/>terk\u00f6psprogr<span class=\"__13 _b_12\"/>am redovisas som en minsk-<span class=\"__13 _15e\"> </span>ning av balanser<span class=\"__13 _b_12\"/>ade vinstmedel. T<span class=\"__13 _906\"/>ransak<span class=\"__13 _898\"/>tionskostnader i samband med \u00e5terk\u00f6p a<span class=\"__13 _b_12\"/>v egna aktier redovisas ocks\u00e5 under eget kapital. N\u00e4r aktier ogiltigf<span class=\"__13 _b_12\"/>\u00f6rklaras har detta inte n\u00e5gon inverkan p\u00e5 r<span class=\"__13 _898\"/>edovisningen. <span class=\"__13 _898\"/>A<span class=\"__13 _b_12\"/>vyttring av egna ak<span class=\"__13 _898\"/>tier i handels-<span class=\"__13 _15e\"> </span>verksamheten redo<span class=\"__13 _b_12\"/>visas som en \u00f6kning av inves<span class=\"__13 _b_12\"/>terat fritt eget kapital.<span class=\"__13 _15e\"> </span>Kon<span class=\"__13 _b_12\"/>trakt p\u00e5 Nordeaak<span class=\"__13 _b_12\"/>tier som kan kontant<span class=\"__13 _898\"/>avr<span class=\"__13 _b_12\"/>\u00e4knas, till ex<span class=\"__13 _b_12\"/>empel derivat s\u00e5som optioner och warr<span class=\"__13 _b_12\"/>anter<span class=\"__13 _b_12\"/>, redovisas antingen som \ufb01nansiella tillg\u00e5ngar eller sk<span class=\"__13 _b_12\"/>ulder, vilk<span class=\"__13 _b_12\"/>et bety-<span class=\"__13 _15e\"> </span>der att dessa in<span class=\"__13 _898\"/>te utg\u00f6r eget kapital<span class=\"__13 _898\"/>-instrumen<span class=\"__13 _898\"/>t. Minoritetsintr<span class=\"__13 _b_12\"/>essen omfattar den del a<span class=\"__13 _b_12\"/>v koncernf<span class=\"__13 _b_12\"/>\u00f6retags nettotillg\u00e5ngar som in<span class=\"__13 _b_12\"/>te \u00e4gs direkt eller indirek<span class=\"__13 _b_12\"/>t av Nordea Bank Abp<span class=\"__13 _898\"/>. F\u00f6r v<span class=\"__13 _b_12\"/>arje r\u00f6relsef\u00f6rv\u00e4rv v\u00e4rder<span class=\"__13 _b_12\"/>ar Nordea minori-<span class=\"__13 _15e\"> </span>tetsintr<span class=\"__13 _b_12\"/>essena i den f\u00f6rv\u00e4rvade r\u00f6relsen an<span class=\"__13 _b_12\"/>tingen till verkligt v\u00e4rde eller till inneha<span class=\"__13 _b_12\"/>vets proportionella andel av den f<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>v\u00e4r-<span class=\"__13 _15e\"> </span>vade r\u00f6r<span class=\"__13 _898\"/>elsens nettotillg\u00e5ngar<span class=\"__13 _906\"/>.<span class=\"__13 _15e\"> </span>\u00d6vriga reserver utg\u00f6rs a<span class=\"__13 _b_12\"/>v int\u00e4kter och k<span class=\"__13 _898\"/>ostnader<span class=\"__13 _b_12\"/>, netto efter skatt<span class=\"__13 _898\"/><span class=\"__13 _15e\">eeffek</span><span class=\"__13 _b_12\"/>ter<span class=\"__13 _b_12\"/>, som redovisas under eget kapital via \u00f6vrigt tot<span class=\"__13 _898\"/>alresulta<span class=\"__13 _b_12\"/>t<span class=\"__13 _c_12\"/>. Med undantag f<span class=\"__13 _b_12\"/>\u00f6r ej utdelade vinstmedel fr\u00e5n tidigar<span class=\"__13 _898\"/>e \u00e5r<span class=\"__13 _b_12\"/>, omf<span class=\"__13 _b_12\"/>attar balanserade vinstmedel eget kapital<span class=\"__13 _898\"/>-delen av obe<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>skattade re<span class=\"__13 _898\"/>server<span class=\"__13 _b_12\"/>. Obeskattade reserver enligt na<span class=\"__13 _898\"/>tionella best\u00e4mmelser<span class=\"__13 _906\"/>, redovisas som eget kapital efter beak<span class=\"__13 _b_12\"/>tande av uppskjuten skatt enligt g\u00e4llande ska<span class=\"__13 _b_12\"/>ttesatser i respek<span class=\"__13 _898\"/>tive land.<span class=\"__13 _15e\"> </span>\u00c4<span class=\"__13 _b_12\"/>ven Nordeas andel a<span class=\"__13 _898\"/>v ej utdelade vinstmedel fr<span class=\"__13 _b_12\"/>\u00e5n intres-<span class=\"__13 _15e\"> </span>sef\u00f6r<span class=\"__13 _b_12\"/>etag och joint ventur<span class=\"__13 _b_12\"/>es intj\u00e4nade efter f\u00f6rv\u00e4rvsdagen, ing\u00e5r i balanserade vinstmedel.<span class=\"__13 _15e\"> </span>I<span class=\"__13 _15e\"> </span>nnehav<span class=\"__13 _b_12\"/>are av \u00f6vrigt prim\u00e4rk<span class=\"__13 _898\"/>apital<span class=\"__13 _15e\"> </span>Nordea har emittera<span class=\"__13 _b_12\"/>t eviga efterst\u00e4llda instrument d\u00e4r r<span class=\"__13 _b_12\"/>\u00e4nte-<span class=\"__13 _15e\"> </span>betalningarna till innehav<span class=\"__13 _b_12\"/>arna beslutas diskretion\u00e4rt av Nordea och int<span class=\"__13 _b_12\"/>e ackumuleras. Vissa av dessa ins<span class=\"__13 _b_12\"/>trument inne-<span class=\"__13 _15e\"> </span>fa<span class=\"__13 _898\"/>ttar ocks\u00e5 ett kra<span class=\"__13 _b_12\"/>v p\u00e5 Nordea att betala r\u00e4n<span class=\"__13 _898\"/>ta om instru-<span class=\"__13 _15e\"> </span>menten in<span class=\"__13 _b_12\"/>te l\u00e4ngre till\u00e5ts ing\u00e5 i prim\u00e4rkapitalet. Vilka efter-<span class=\"__13 _15e\"> </span>st\u00e4llda skulder s<span class=\"__13 _898\"/>om f\u00e5r r<span class=\"__13 _b_12\"/>\u00e4knas in i prim\u00e4rkapitalet best\u00e4ms av tillsynsmyndigheterna och \u00e4r d\u00e4rmed bortom Nordeas och innehav<span class=\"__13 _b_12\"/>arnas kontroll. Nordea klassi\ufb01cerar ins<span class=\"__13 _b_12\"/>trumenten som \ufb01nansiella skulder<span class=\"__13 _b_12\"/>. Instrumen<span class=\"__13 _898\"/>t som inte om<span class=\"__13 _b_12\"/>fattas a<span class=\"__13 _b_12\"/>v s\u00e5dana klausuler klassi\ufb01ceras s<span class=\"__13 _898\"/>om eget kapital eftersom det in<span class=\"__13 _898\"/>te \ufb01nns n\u00e5got kra<span class=\"__13 _b_12\"/>v att Nordea ska betala r\u00e4n<span class=\"__13 _b_12\"/>ta eller kapitalbe-<span class=\"__13 _15e\"> </span>lopp till innehav<span class=\"__13 _b_12\"/>arna.<span class=\"__13 _15e\"> </span>Minoritetsintr<span class=\"__13 _898\"/>essen F\u00f6r in<span class=\"__13 _b_12\"/>formation om minoritetsin<span class=\"__13 _b_12\"/>tressen, se not K9.<span class=\"__13 _b_12\"/>1 \u201dKonsoli-<span class=\"__13 _15e\"> </span>derade f<span class=\"__13 _b_12\"/>\u00f6retag\u201d<span class=\"__13 _b_12\"/>. Aktiekapital<span class=\"__13 _15e\"> </span>Aktiekapitalet uppg\u00e5r till 4 049 95<span class=\"__13 _b_12\"/>1 919 euro. Nordeaaktien har inget nominellt v\u00e4rde. V<span class=\"__13 _906\"/>arje aktie ger en r\u00f6str<span class=\"__13 _b_12\"/>\u00e4tt<span class=\"__13 _c_12\"/>. F<span class=\"__13 _898\"/>\u00f6r mer inf<span class=\"__13 _b_12\"/>ormation om antalet registr<span class=\"__13 _b_12\"/>erade aktier<span class=\"__13 _b_12\"/>, se \u201dRapport \u00f6ver f\u00f6r<span class=\"__13 _b_12\"/>\u00e4ndringar i eget kapital\u201d<span class=\"__13 _15e\"> </span><span class=\"__13 _b_12\"/>.<span class=\"__13 _15e\"> </span>Inves<span class=\"__13 _b_12\"/>terat fritt eget kapital<span class=\"__13 _15e\"> </span>Inves<span class=\"__13 _b_12\"/>terat fritt eget kapital bes<span class=\"__13 _898\"/>t\u00e5r a<span class=\"__13 _898\"/>v \u00f6verk<span class=\"__13 _898\"/>ursfonden f<span class=\"__13 _b_12\"/>\u00f6r Nordea Bank AB (publ) f<span class=\"__13 _b_12\"/>\u00f6re flytten a<span class=\"__13 _b_12\"/>v bolagets s\u00e4te till Fin-<span class=\"__13 _15e\"> </span>land genom en gr\u00e4ns\u00f6v<span class=\"__13 _b_12\"/>er<span class=\"__13 _c_12\"/>skridande omv\u00e4nd f<span class=\"__13 _b_12\"/>usion. Investera<span class=\"__13 _b_12\"/>t fritt eget kapital har \u00e4<span class=\"__13 _b_12\"/>ven p\u00e5verka<span class=\"__13 _b_12\"/>ts av f\u00f6rv\u00e4rv och f\u00f6rs\u00e4ljning av egna ak<span class=\"__13 _b_12\"/>tier i Markets handelsverksamhet.<span class=\"__13 _15e\"> </span>\u00d6vriga reserver<span class=\"__13 _15e\"> </span>Dessa reserver om<span class=\"__13 _898\"/>fa<span class=\"__13 _898\"/>ttar reserver f<span class=\"__13 _b_12\"/>\u00f6r kassafl\u00f6dess\u00e4kringar<span class=\"__13 _b_12\"/>, \ufb01nansiella tillg\u00e5ngar som klassi\ufb01cera<span class=\"__13 _b_12\"/>ts i kategorin \u201dFinansiel-<span class=\"__13 _15e\"> </span>la tillg\u00e5ngar v\u00e4rder<span class=\"__13 _b_12\"/>ade till verkligt v\u00e4rde via \u00f6vrigt to<span class=\"__13 _898\"/>talresul-<span class=\"__13 _15e\"> </span>tat\u201d och ackumulerade omv<span class=\"__13 _898\"/>\u00e4rderingar a<span class=\"__13 _b_12\"/>v f\u00f6rm\u00e5nsbest\u00e4mda pensionsplaner<span class=\"__13 _b_12\"/>, samt en reserv f<span class=\"__13 _898\"/><span class=\"__13 _15e\">\u00f6r omr\u00e4kningsdiff</span><span class=\"__13 _b_12\"/>erenser<span class=\"__13 _b_12\"/>.<span class=\"__13 _15e\"> </span>Balanserade vinstmedel<span class=\"__13 _15e\"> </span>Balanserade vinstmedel ut<span class=\"__13 _b_12\"/>g\u00f6r<span class=\"__13 _c_12\"/>s fr\u00e4ms<span class=\"__13 _b_12\"/>t av Nordeas ej utdelade vinstmedel fr<span class=\"__13 _898\"/>\u00e5n tidigare \u00e5r<span class=\"__13 _b_12\"/>.<span class=\"__13 _15e\"> </span>188<span class=\"__13 _15e\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__13 _15e\"> </span>Inledning<span class=\"__13 _897\"> </span><span class=\"__13 _15e\">Aff</span><span class=\"__13 _898\"/>\u00e4rsomr\u00e5den<span class=\"__13 _899\"/><span class=\"ws0_13\">V<span class=\"__13 _b_12\"/>\u00e5ra intressent<span class=\"__13 _898\"/>er<span class=\"__13 _900\"> </span><span class=\"ff1_13\">Finansiella rapporter<span class=\"__13 _901\"/><span class=\"ff2_13 ws2_12\">F\u00f6rvaltningsber<span class=\"__13 _898\"/>\u00e4ttelse<span class=\"__13 _902\"> </span>H\u00e5llbarhetsnoter<span class=\"__13 _903\"> </span>\u00d6vrigt<span class=\"__13 _904\"/><span class=\"ws0_13\">Strategisk r<span class=\"__13 _898\"/>apport<span class=\"__13 _15e\"> </span></span></span></span></span>K10.2 <span class=\"__13 _933\"> </span> Ytterligare <span class=\"__13 _934\"> </span>uppl<span class=\"__13 _b_12\"/>ysningar om kassafl\u00f6desanal<span class=\"__13 _b_12\"/>ysen<span class=\"__13 _15e\"> </span>Redovisningsprinciper<span class=\"__13 _15e\"> </span>Kassafl\u00f6desanal<span class=\"__13 _b_12\"/>ysen visar in- och utbetalningar av likvida<span class=\"__13 _15e\"> </span> medel under \u00e5ret f<span class=\"__13 _898\"/>\u00f6r den totala v<span class=\"__13 _898\"/>erksamheten. Nordeas kas-<span class=\"__13 _15e\"> </span>safl\u00f6desanalys har uppr<span class=\"__13 _b_12\"/>\u00e4ttats enligt den indirek<span class=\"__13 _898\"/>ta metoden,<span class=\"__13 _15e\"> </span> vilket inneb\u00e4r att r\u00f6r<span class=\"__13 _b_12\"/>elseresultatet har jus<span class=\"__13 _898\"/>tera<span class=\"__13 _898\"/>ts f\u00f6r tr<span class=\"__13 _b_12\"/>ansaktio-<span class=\"__13 _15e\"> </span>ner som inte medf<span class=\"__13 _b_12\"/>\u00f6r in- eller utbetalningar<span class=\"__13 _b_12\"/>, till exempel<span class=\"__13 _15e\"> </span> avskrivningar och kr<span class=\"__13 _b_12\"/>editf\u00f6rluster<span class=\"__13 _906\"/>. Redovisningen av kassa<span class=\"__13 _b_12\"/>fl\u00f6<span class=\"__13 _c_12\"/>-<span class=\"__13 _15e\"> </span>den g\u00f6rs utifr\u00e5n kat<span class=\"__13 _b_12\"/>egorierna l\u00f6pande verksamhet<span class=\"__13 _c_12\"/>, inves<span class=\"__13 _b_12\"/>te-<span class=\"__13 _15e\"> </span>ringsverksamhet och \ufb01nansieringsverksamhet.<span class=\"__13 _15e\"> </span>Den l\u00f6pande verksamheten<span class=\"__13 _15e\"> </span>Kassafl\u00f6det f<span class=\"__13 _b_12\"/>r\u00e5n den l\u00f6pande verksamheten, som \u00e4r den huvudsakliga int\u00e4k<span class=\"__13 _b_12\"/>tsbringande verksamheten, h\u00e4rr\u00f6r fr\u00e4ms<span class=\"__13 _b_12\"/>t fr\u00e5n r<span class=\"__13 _898\"/>\u00f6relseresul<span class=\"__13 _b_12\"/>tatet, justerat f<span class=\"__13 _b_12\"/>\u00f6r poster som inte ing\u00e5r i kas-<span class=\"__13 _15e\"> </span>safl\u00f6det samt bet<span class=\"__13 _898\"/>alda inkomstska<span class=\"__13 _b_12\"/>tter<span class=\"__13 _898\"/>. Justeringar f<span class=\"__13 _b_12\"/>\u00f6r poster som inte ing\u00e5r i k<span class=\"__13 _898\"/>assafl\u00f6det innef<span class=\"__13 _898\"/>attar:<span class=\"__13 _15e\"> </span>Mn euro<span class=\"__13 _b9_6\"> </span>2022<span class=\"__13 _ba_6\"> </span>2021<span class=\"__13 _15e\"> </span>A<span class=\"__13 _b_12\"/>vskrivningar<span class=\"__13 _bb_6\"> </span>586<span class=\"__13 _bc_5\"> </span>605<span class=\"__13 _15e\"> </span>Nedskrivningar<span class=\"__13 _bd_6\"> </span><span class=\"ls6_12 wsd_12\">25<span class=\"__13 _be_6\"> </span></span>59<span class=\"__13 _15e\"> </span>Kreditf\u00f6rl<span class=\"__13 _898\"/>uster<span class=\"__13 _985\"> </span><span class=\"ls4_12 wsb_12\">176<span class=\"__13 _930\"> </span>171<span class=\"__13 _15e\"> </span></span>Nettoresulta<span class=\"__13 _b_12\"/>t av utl\u00e5ning i portf\u00f6ljer som h\u00e5lls till f\u00f6rfall och obliga<span class=\"__13 _b_12\"/>toriskt v\u00e4rderas till v<span class=\"__13 _898\"/>erkligt v\u00e4rde<span class=\"__13 _4d_5\"> </span>13<span class=\"__13 _bf_6\"> </span>-83<span class=\"__13 _15e\"> </span>Orealiserade v<span class=\"__13 _898\"/>\u00e4rdef\u00f6r<span class=\"__13 _b_12\"/>\u00e4ndringar<span class=\"__13 _c0_6\"> </span>-825<span class=\"__13 _c1_5\"> </span>825<span class=\"__13 _15e\"> </span>Realisationsvinst<span class=\"__13 _b_12\"/>er/-f\u00f6rluster<span class=\"__13 _906\"/>, netto<span class=\"__13 _c2_6\"> </span>-40<span class=\"__13 _bf_6\"> </span>-50<span class=\"__13 _15e\"> </span>F\u00f6r\u00e4ndring a<span class=\"__13 _b_12\"/>v upplupna kostnader<span class=\"__13 _898\"/>/int\u00e4k<span class=\"__13 _b_12\"/>ter och avs\u00e4<span class=\"__13 _898\"/>ttningar<span class=\"__13 _c3_5\"> </span>-446<span class=\"__13 _a8_6\"> </span><span class=\"ls3_12 wsa_12\">-249<span class=\"__13 _15e\"> </span></span><span class=\"__13 _15e\">Omr\u00e4kningsdiff</span><span class=\"__13 _898\"/>erenser<span class=\"__13 _966\"> </span>569<span class=\"__13 _bc_5\"> </span>340<span class=\"__13 _15e\"> </span>F\u00f6r\u00e4ndring a<span class=\"__13 _b_12\"/>v \u00e5terb\u00e4ringsmedel, Life &amp; Pension<span class=\"__13 _944\"> </span>-306<span class=\"__13 _c4_5\"> </span>1 061<span class=\"__13 _15e\"> </span>F\u00f6r\u00e4ndring a<span class=\"__13 _b_12\"/>v tekniska reserver<span class=\"__13 _b_12\"/>, Life &amp; Pension<span class=\"__13 _3d_7\"> </span>-1 562<span class=\"__13 _bc_5\"> </span>863<span class=\"__13 _15e\"> </span>F\u00f6r\u00e4ndringar a<span class=\"__13 _b_12\"/>v verkligt v\u00e4rde a<span class=\"__13 _b_12\"/>v den s\u00e4krade posten, tillg\u00e5ngar<span class=\"__13 _b_12\"/>/skulder (netto)<span class=\"__13 _c5_6\"> </span>-5 464<span class=\"__13 _c6_5\"> </span>-1 375<span class=\"__13 _15e\"> </span>\u00d6vrigt<span class=\"__13 _c7_5\"> </span>211<span class=\"__13 _968\"> </span>96<span class=\"__13 _15e\"> </span>Summa<span class=\"__13 _c8_6\"> </span>-7 063<span class=\"__13 _c9_6\"> </span>2 263<span class=\"__13 _15e\"> </span>F\u00f6r<span class=\"__13 _b_12\"/>\u00e4ndring av den l\u00f6pande verksamhetens tillg\u00e5ngar och skulder innef<span class=\"__13 _b_12\"/>attar tillg\u00e5ngar och skulder som ing\u00e5r i den nor-<span class=\"__13 _15e\"> </span><span class=\"__13 _15e\">mala aff\u00e4rsv</span><span class=\"__13 _898\"/>erksamheten, s\u00e5som utl\u00e5ning, inl\u00e5ning och emit-<span class=\"__13 _15e\"> </span>terade v<span class=\"__13 _898\"/>\u00e4rdepapper<span class=\"__13 _b_12\"/>. F\u00f6r<span class=\"__13 _b_12\"/>\u00e4ndringar i derivatinstrument r<span class=\"__13 _898\"/>edovi-<span class=\"__13 _15e\"> </span>sas netto. I kassafl\u00f6det fr<span class=\"__13 _b_12\"/>\u00e5n den l\u00f6pande verksamheten ing\u00e5r erh\u00e5l-<span class=\"__13 _15e\"> </span>len r\u00e4n<span class=\"__13 _898\"/>ta och betald r\u00e4n<span class=\"__13 _b_12\"/>ta med f\u00f6ljande belopp:<span class=\"__13 _15e\"> </span>Mn euro<span class=\"__13 _b9_6\"> </span>2022<span class=\"__13 _ba_6\"> </span>2021<span class=\"__13 _15e\"> </span>Erh\u00e5llen r\u00e4nta<span class=\"__13 _3a_8\"> </span>8 620<span class=\"__13 _ca_5\"> </span>5 648<span class=\"__13 _15e\"> </span>Betald r\u00e4nt<span class=\"__13 _898\"/>a<span class=\"__13 _996\"> </span>-2 948<span class=\"__13 _cb_5\"> </span>-1 032<span class=\"__13 _15e\"> </span>Inves<span class=\"__13 _b_12\"/>teringsverksamheten<span class=\"__13 _15e\"> </span>Inves<span class=\"__13 _b_12\"/>teringsverksamheten innefatt<span class=\"__13 _898\"/>ar f\u00f6rv\u00e4rv och a<span class=\"__13 _b_12\"/>vyttring av anl\u00e4ggningstillg\u00e5ngar<span class=\"__13 _b_12\"/>, \ufb01nansiella s\u00e5v<span class=\"__13 _b_12\"/>\u00e4l som materiella och immateriella.<span class=\"__13 _15e\"> </span>Finansieringsverksamheten<span class=\"__13 _15e\"> </span>Finansieringsverksamheten utg\u00f6rs a<span class=\"__13 _b_12\"/>v den verksamhet som medf\u00f6r f<span class=\"__13 _b_12\"/>\u00f6r\u00e4ndringar i eget kapital och efterst\u00e4llda skul<span class=\"__13 _898\"/>der<span class=\"__13 _b_12\"/>, som till ex<span class=\"__13 _b_12\"/>empel nyemission av ak<span class=\"__13 _b_12\"/>tier<span class=\"__13 _b_12\"/>, utdelningar och emis-<span class=\"__13 _15e\"> </span>sion/<span class=\"__13 _b_12\"/>amortering av efterst\u00e4llda sk<span class=\"__13 _b_12\"/>ulder samt kapitalandelen av leasingutbet<span class=\"__13 _898\"/>alningar<span class=\"__13 _b_12\"/>.<span class=\"__13 _15e\"> </span>Likvida medel<span class=\"__13 _15e\"> </span>F\u00f6ljande pos<span class=\"__13 _b_12\"/>ter ing\u00e5r i likvida medel:<span class=\"__13 _15e\"> </span>Mn euro<span class=\"__13 _cc_6\"> </span>31 dec 2022<span class=\"__13 _cd_5\"> </span>31 dec 2021<span class=\"__13 _15e\"> </span>Kassa och tillgodoha<span class=\"__13 _b_12\"/>vanden hos centr<span class=\"__13 _898\"/>albanker<span class=\"__13 _b5_6\"> </span>61 815<span class=\"__13 _ce_6\"> </span>47 495<span class=\"__13 _15e\"> </span>Utl\u00e5ning till centr<span class=\"__13 _898\"/>albanker<span class=\"__13 _b_12\"/>, betalbar  vid anf<span class=\"__13 _898\"/>ordran<span class=\"__13 _985\"> </span>5<span class=\"__13 _cf_5\"> </span>6<span class=\"__13 _15e\"> </span>Utl\u00e5ning till kreditinstitut, betalbar  vid anf<span class=\"__13 _898\"/>ordran<span class=\"__13 _983\"> </span>1 057<span class=\"__13 _4f_5\"> </span>1 127<span class=\"__13 _15e\"> </span>Summa<span class=\"__13 _a6_6\"> </span>62 877<span class=\"__13 _bc_5\"> </span>4<span class=\"__13 _c_12\"/>8 628<span class=\"__13 _15e\"> </span>Kassatillg\u00e5ngar om<span class=\"__13 _b_12\"/>fattar lagliga betalningsmedel inklusiv<span class=\"__13 _b_12\"/>e utl\u00e4ndska sedlar och myn<span class=\"__13 _b_12\"/>t<span class=\"__13 _c_12\"/>. Till<span class=\"__13 _898\"/>godohav<span class=\"__13 _b_12\"/>anden hos centralban-<span class=\"__13 _15e\"> </span>ker utg\u00f6rs a<span class=\"__13 _898\"/>v tillgodohav<span class=\"__13 _b_12\"/>anden p\u00e5 konton hos cen<span class=\"__13 _b_12\"/>tralbanker och postgiron i m<span class=\"__13 _b_12\"/>yndighetsform, d\u00e4r f\u00f6ljande f<span class=\"__13 _b_12\"/>\u00f6ruts\u00e4ttningar \u00e4r uppfyllda:<span class=\"__13 _15e\"> </span>\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Centr<span class=\"__13 _898\"/>albanken eller postgir<span class=\"__13 _b_12\"/>ot \u00e4r hemmah\u00f6rande i det land </span>d\u00e4r institutet \u00e4r etabler<span class=\"__13 _b_12\"/>at<span class=\"__13 _c_12\"/>.<span class=\"__13 _15e\"> </span>\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Tillgodohav<span class=\"__13 _b_12\"/>andet p\u00e5 kontot kan disponer<span class=\"__13 _b_12\"/>as fritt n\u00e4r som </span>helst.<span class=\"__13 _15e\"> </span>Utl\u00e5ning till kreditinstitut, betalbar vid anf<span class=\"__13 _b_12\"/>ordran, utg\u00f6rs av likvida tillg\u00e5ngar som int<span class=\"__13 _898\"/>e utg\u00f6rs av obliga<span class=\"__13 _b_12\"/>tioner och andra r\u00e4n<span class=\"__13 _898\"/>teb\u00e4rande v<span class=\"__13 _898\"/>\u00e4rdepapper<span class=\"__13 _b_12\"/>. Utl\u00e5ning till centr<span class=\"__13 _b_12\"/>albanker<span class=\"__13 _898\"/>, betal-<span class=\"__13 _15e\"> </span>bar vid anf<span class=\"__13 _b_12\"/>ordran, innefatt<span class=\"__13 _898\"/>ar instrumen<span class=\"__13 _898\"/>t som Nordea omedel-<span class=\"__13 _15e\"> </span>bart har r\u00e4tt att s\u00e4lja vidar<span class=\"__13 _898\"/>e.<span class=\"__13 _15e\"> </span>A<span class=\"__13 _b_12\"/>vst\u00e4mning av sk<span class=\"__13 _b_12\"/>ulder h\u00e4nf\u00f6rliga till \ufb01nansieringsverksamheten<span class=\"__13 _15e\"> </span>Den ing\u00e5ende balansen p\u00e5 efterst\u00e4llda sk<span class=\"__13 _898\"/>ulder var 6 850 mn euro (6 941 mn euro<span class=\"__13 _898\"/>). Periodens kassafl\u00f6de uppgick till <span class=\"__13 _15e\">-939 mn euro (-437 mn euro) och eff</span><span class=\"__13 _b_12\"/>ekterna av v<span class=\"__13 _b_12\"/>alutakursdif<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>fer<span class=\"__13 _898\"/>enser och \u00f6vrigt uppgick till -510 mn eur<span class=\"__13 _b_12\"/>o (346 mn euro), vilket ga<span class=\"__13 _898\"/>v en utg\u00e5ende balans p\u00e5 5 401 mn euro (6 850 mn euro).<span class=\"__13 _15e\"> </span>Den ing\u00e5ende balansen p\u00e5 leasingskulder var 1 1<span class=\"__13 _b_12\"/>47 mn euro (1 233 mn euro). P<span class=\"__13 _b_12\"/>eriodens kassafl\u00f6de med avseende p\u00e5 skulderna uppgick till -123 mn euro (-<span class=\"__13 _898\"/>140 mn euro<span class=\"__13 _898\"/>) och \u00f6vriga f\u00f6r<span class=\"__13 _b_12\"/>\u00e4ndringar fr\u00e5n nya, a<span class=\"__13 _b_12\"/>vslutade och modi\ufb01erade kontr<span class=\"__13 _b_12\"/>akt samt v<span class=\"__13 _898\"/><span class=\"__13 _15e\">alutakursdiff</span><span class=\"__13 _b_12\"/>erenser uppgick till 56 mn euro (54 mn euro).<span class=\"__13 _15e\"> </span>K10.3 L\u00f6ptidsanal<span class=\"__13 _b_12\"/>ys<span class=\"__13 _15e\"> </span>Redovisningsprinciper<span class=\"__13 _15e\"> </span>I tabellen \u201dF\u00f6rv\u00e4n<span class=\"__13 _b_12\"/>tad l\u00f6ptid\u201d redovisas de f<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>v\u00e4n<span class=\"__13 _898\"/>tade l\u00f6pti-<span class=\"__13 _15e\"> </span>derna f\u00f6r pos<span class=\"__13 _898\"/>terna i balansr\u00e4kningen. <span class=\"__13 _b_12\"/>T<span class=\"__13 _906\"/>abellen \u201d<span class=\"__13 _906\"/>Avt<span class=\"__13 _898\"/>alsenliga odiskont<span class=\"__13 _898\"/>erade kassafl\u00f6den\u201d b<span class=\"__13 _b_12\"/>ygger p\u00e5 avtalsenliga odiskon-<span class=\"__13 _15e\"> </span>terade l\u00f6p<span class=\"__13 _898\"/>tider<span class=\"__13 _b_12\"/>. F\u00f6r deriva<span class=\"__13 _b_12\"/>t har f\u00f6rv\u00e4ntade in- och utfl\u00f6den a<span class=\"__13 _b_12\"/>v kont<span class=\"__13 _898\"/>anter r<span class=\"__13 _b_12\"/>edovisats f\u00f6r b\u00e5de deriva<span class=\"__13 _b_12\"/>ttillg\u00e5ngar och derivat-<span class=\"__13 _15e\"> </span>skulder eftersom deriva<span class=\"__13 _b_12\"/>t hanteras netto<span class=\"__13 _898\"/>. F\u00f6r k<span class=\"__13 _898\"/>ontr<span class=\"__13 _898\"/>aktuella leasingskulder<span class=\"__13 _b_12\"/>, se not K5.4 \u201dLeasing\u201d<span class=\"__13 _906\"/>. F\u00f6r ytt<span class=\"__13 _898\"/>erligare inf<span class=\"__13 _b_12\"/>orma-<span class=\"__13 _15e\"> </span>tion om \u00e5terst\u00e5ende l\u00f6p<span class=\"__13 _b_12\"/>tider, s<span class=\"__13 _898\"/>e \u00e4v<span class=\"__13 _b_12\"/>en not K11 \u201dRisk- och likviditetshant<span class=\"__13 _898\"/>ering\u201d<span class=\"__13 _906\"/>. 189<span class=\"__13 _15e\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__13 _15e\"> </span>Inledning<span class=\"__13 _897\"> </span><span class=\"__13 _15e\">Aff</span><span class=\"__13 _898\"/>\u00e4rsomr\u00e5den<span class=\"__13 _899\"/><span class=\"ws0_13\">V<span class=\"__13 _b_12\"/>\u00e5ra intressent<span class=\"__13 _898\"/>er<span class=\"__13 _900\"> </span><span class=\"ff1_13\">Finansiella rapporter<span class=\"__13 _901\"/><span class=\"ff2_13 ws2_12\">F\u00f6rvaltningsber<span class=\"__13 _898\"/>\u00e4ttelse<span class=\"__13 _902\"> </span>H\u00e5llbarhetsnoter<span class=\"__13 _903\"> </span>\u00d6vrigt<span class=\"__13 _904\"/><span class=\"ws0_13\">Strategisk r<span class=\"__13 _898\"/>apport<span class=\"__13 _15e\"> </span></span></span></span></span>F\u00f6rv\u00e4n<span class=\"__13 _b_12\"/>tad l\u00f6ptid<span class=\"__13 _15e\"> </span>31 dec 2022  F\u00f6rv\u00e4n<span class=\"__13 _898\"/>tas \u00e5tervinnas eller regleras:<span class=\"__13 _15e\"> </span>31 dec 2021  F\u00f6rv\u00e4n<span class=\"__13 _898\"/>tas \u00e5tervinnas eller regleras:<span class=\"__13 _15e\"> </span>Mn euro<span class=\"__13 _d0_5\"> </span><span class=\"lse_11 ws19_11\">Not<span class=\"__13 _15e\"> </span></span>Inom 12 <span class=\"__13 _d1_5\"/> m\u00e5nader<span class=\"__13 _15e\"> </span>Efter 12 <span class=\"__13 _d1_5\"/> m\u00e5nader<span class=\"__13 _4f_5\"> </span>Summa<span class=\"__13 _15e\"> </span>Inom 12 <span class=\"__13 _d1_5\"/> m\u00e5nader<span class=\"__13 _15e\"> </span>Efter 12 <span class=\"__13 _d1_5\"/> m\u00e5nader<span class=\"__13 _3d_7\"> </span>Summa<span class=\"__13 _15e\"> </span>Kassa och tillgodoha<span class=\"__13 _b_12\"/>vanden hos centr<span class=\"__13 _898\"/>albanker <span class=\"__13 _d2_5\"> </span>61 815<span class=\"__13 _d3_5\"> </span>\u2013<span class=\"__13 _8f_5\"> </span>61 815<span class=\"__13 _d4_6\"> </span>47 495<span class=\"__13 _d3_5\"> </span>\u2013<span class=\"__13 _973\"> </span>47 495<span class=\"__13 _15e\"> </span>Utl\u00e5ning till centr<span class=\"__13 _898\"/>albanker <span class=\"__13 _d5_5\"> </span>K3.7<span class=\"__13 _972\"> </span>885<span class=\"__13 _d3_5\"> </span>\u2013<span class=\"__13 _995\"> </span>885<span class=\"__13 _932\"> </span>409<span class=\"__13 _d3_5\"> </span>\u2013<span class=\"__13 _2c_7\"> </span>409<span class=\"__13 _15e\"> </span>Utl\u00e5ning till kreditinstitut<span class=\"__13 _d6_5\"> </span>K3.7<span class=\"__13 _963\"> </span>3 770<span class=\"__13 _984\"> </span>803<span class=\"__13 _a5_6\"> </span><span class=\"ls4_12 wsb_12\">4 57<span class=\"__13 _c_12\"/>3<span class=\"__13 _d7_5\"> </span></span>1 411<span class=\"__13 _980\"> </span><span class=\"ls4_12 wsb_12\">572<span class=\"__13 _5a_5\"> </span></span>1 983<span class=\"__13 _15e\"> </span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__13 _c5_6\"> </span>K3.<span class=\"__13 _b_12\"/>7<span class=\"__13 _d7_5\"> </span>86 656<span class=\"__13 _968\"> </span>259 087<span class=\"__13 _d8_6\"> </span>345 7<span class=\"__13 _b_12\"/>43<span class=\"__13 _940\"> </span>76 607<span class=\"__13 _d9_5\"> </span>268 443<span class=\"__13 _da_5\"> </span>345 050<span class=\"__13 _15e\"> </span>R\u00e4nteb\u00e4r<span class=\"__13 _898\"/>ande v\u00e4rdepapper<span class=\"__13 _db_5\"> </span>K3.8<span class=\"__13 _991\"> </span>20 697<span class=\"__13 _4f_5\"> </span>4<span class=\"__13 _c_12\"/>2 827<span class=\"__13 _907\"> </span>63 524<span class=\"__13 _d4_6\"> </span>19 963<span class=\"__13 _4f_5\"> </span>43 420<span class=\"__13 _973\"> </span>63 383<span class=\"__13 _15e\"> </span>Pan<span class=\"__13 _898\"/>tsatta \ufb01nansiella instrumen<span class=\"__13 _b_12\"/>t<span class=\"__13 _5c_5\"> </span>K3.9<span class=\"__13 _1c_9\"> </span><span class=\"lsf_11 ws1a_11\">74<span class=\"__13 _5a_5\"> </span></span>4 828<span class=\"__13 _5a_5\"> </span>4 902<span class=\"__13 _1e_9\"> </span>7<span class=\"__13 _938\"> </span>1 661<span class=\"__13 _dc_5\"> </span>1 668<span class=\"__13 _15e\"> </span>Aktier och andelar<span class=\"__13 _dd_6\"> </span>K3.<span class=\"__13 _b_12\"/>10<span class=\"__13 _956\"> </span>4 1<span class=\"__13 _b_12\"/>47<span class=\"__13 _4c_5\"> </span>13 777<span class=\"__13 _4c_5\"> </span>17 92<span class=\"__13 _b_12\"/>4<span class=\"__13 _3f_7\"> </span>4 943<span class=\"__13 _8f_5\"> </span>10 27<span class=\"__13 _b_12\"/>4<span class=\"__13 _8f_5\"> </span>15 217<span class=\"__13 _15e\"> </span>Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>s\u00e4kringsavt<span class=\"__13 _898\"/>al<span class=\"__13 _959\"> </span>K3.<span class=\"__13 _b_12\"/>11<span class=\"__13 _cf_5\"> </span>31 7<span class=\"__13 _c_12\"/>76<span class=\"__13 _940\"> </span>9 869<span class=\"__13 _de_5\"> </span>41 645<span class=\"__13 _990\"> </span>36 12<span class=\"__13 _c_12\"/>5<span class=\"__13 _de_5\"> </span>10 787<span class=\"__13 _4f_5\"> </span>46 912<span class=\"__13 _15e\"> </span>Derivatinstrumen<span class=\"__13 _b_12\"/>t <span class=\"__13 _dd_6\"> </span>K3.<span class=\"__13 _b_12\"/>12<span class=\"__13 _8e_5\"> </span>7 508<span class=\"__13 _4f_5\"> </span>29 070<span class=\"__13 _907\"> </span>36 578<span class=\"__13 _3f_7\"> </span>5 029<span class=\"__13 _d4_6\"> </span>2<span class=\"__13 _c_12\"/>5 171<span class=\"__13 _3d_7\"> </span>30 200<span class=\"__13 _15e\"> </span>F\u00f6r\u00e4ndring a<span class=\"__13 _b_12\"/>v verkligt v\u00e4rde f<span class=\"__13 _898\"/>\u00f6r r\u00e4nt<span class=\"__13 _898\"/>es\u00e4krade poster i s\u00e4kringsportf<span class=\"__13 _b_12\"/>\u00f6ljer<span class=\"__13 _c1_5\"> </span>K3.6<span class=\"__13 _980\"> </span>-2 094<span class=\"__13 _932\"> </span><span class=\"ls3_12 wsa_12\">-22<span class=\"__13 _5a_5\"> </span></span>-2 116<span class=\"__13 _988\"> </span>-95<span class=\"__13 _963\"> </span>30<span class=\"__13 _995\"> </span>-65<span class=\"__13 _15e\"> </span>Aktier och andelar i in<span class=\"__13 _898\"/>tressef<span class=\"__13 _b_12\"/>\u00f6retag och joint ven<span class=\"__13 _b_12\"/>tures<span class=\"__13 _df_5\"> </span>K9.3<span class=\"__13 _e0_5\"> </span>\u2013<span class=\"__13 _984\"> </span>509<span class=\"__13 _995\"> </span>509<span class=\"__13 _e1_5\"> </span>\u2013<span class=\"__13 _995\"> </span>207<span class=\"__13 _991\"> </span>207<span class=\"__13 _15e\"> </span>Immateriella tillg\u00e5ngar<span class=\"__13 _e2_5\"> </span>K5.<span class=\"__13 _b_12\"/>1<span class=\"__13 _1c_9\"> </span><span class=\"ls5_12 wsc_12\">23<span class=\"__13 _9d_5\"> </span></span>4 021<span class=\"__13 _dc_5\"> </span>4 044<span class=\"__13 _1e_9\"> </span>5<span class=\"__13 _9d_5\"> </span>3 779<span class=\"__13 _990\"> </span>3 784<span class=\"__13 _15e\"> </span>Materiella tillg\u00e5ngar<span class=\"__13 _e3_5\"> </span>K5.2<span class=\"__13 _e1_5\"> </span><span class=\"ls4_12 wsb_12\">140<span class=\"__13 _938\"> </span></span>1 533<span class=\"__13 _938\"> </span>1 67<span class=\"__13 _c_12\"/>3<span class=\"__13 _8e_5\"> </span>132<span class=\"__13 _942\"> </span>1 613<span class=\"__13 _a5_6\"> </span>1 7<span class=\"__13 _b_12\"/>45<span class=\"__13 _15e\"> </span>F\u00f6rvaltningsf<span class=\"__13 _b_12\"/>astigheter<span class=\"__13 _e4_5\"> </span>K5.3<span class=\"__13 _e0_5\"> </span>\u2013<span class=\"__13 _5a_5\"> </span>2 455<span class=\"__13 _a5_6\"> </span>2 455<span class=\"__13 _e1_5\"> </span>0<span class=\"__13 _a5_6\"> </span><span class=\"ls4_12 wsb_12\">1<span class=\"__13 _c_12\"/> 764<span class=\"__13 _5a_5\"> </span>1 76<span class=\"__13 _c_12\"/>4<span class=\"__13 _15e\"> </span></span>Uppskjutna skattef<span class=\"__13 _b_12\"/>ordringar<span class=\"__13 _e0_5\"> </span>K2.<span class=\"__13 _906\"/>10<span class=\"__13 _5b_5\"> </span>13<span class=\"__13 _cf_5\"> </span>152<span class=\"__13 _987\"> </span>165<span class=\"__13 _5c_5\"> </span>11<span class=\"__13 _e5_5\"> </span>207<span class=\"__13 _991\"> </span>218<span class=\"__13 _15e\"> </span>Aktuella skatt<span class=\"__13 _b_12\"/>efordringar<span class=\"__13 _6e_5\"> </span>K2.<span class=\"__13 _b_12\"/>10<span class=\"__13 _e6_5\"> </span>211<span class=\"__13 _d3_5\"> </span>\u2013<span class=\"__13 _994\"> </span>211<span class=\"__13 _e7_5\"> </span>272<span class=\"__13 _2e_7\"> </span>\u2013<span class=\"__13 _991\"> </span>27<span class=\"__13 _c_12\"/>2<span class=\"__13 _15e\"> </span>Pensionstillg\u00e5ngar<span class=\"__13 _975\"> </span><span class=\"ls5_12 wsc_12\">K8.2<span class=\"__13 _e8_6\"> </span></span>\u2013<span class=\"__13 _e5_5\"> </span>165<span class=\"__13 _987\"> </span>165<span class=\"__13 _e1_5\"> </span>\u2013<span class=\"__13 _987\"> </span>221<span class=\"__13 _995\"> </span>221<span class=\"__13 _15e\"> </span>\u00d6vriga tillg\u00e5ngar<span class=\"__13 _c8_6\"> </span>2 380<span class=\"__13 _dc_5\"> </span>7 000<span class=\"__13 _5a_5\"> </span>9 380<span class=\"__13 _961\"> </span>1 37<span class=\"__13 _c_12\"/>3<span class=\"__13 _a5_6\"> </span>7 457<span class=\"__13 _d4_6\"> </span>8 830<span class=\"__13 _15e\"> </span>F\u00f6rutbetalda k<span class=\"__13 _898\"/>ostnader och upplupna int\u00e4k<span class=\"__13 _b_12\"/>ter<span class=\"__13 _e9_6\"> </span>590<span class=\"__13 _980\"> </span><span class=\"ls4_12 wsb_12\">17<span class=\"__13 _c_12\"/>9<span class=\"__13 _980\"> </span>769<span class=\"__13 _994\"> </span></span>801<span class=\"__13 _5f_5\"> </span><span class=\"ls10_11 ws1b_11\">79<span class=\"__13 _ea_6\"> </span></span>880<span class=\"__13 _15e\"> </span>Tillg\u00e5ngar som innehas f\u00f6r f<span class=\"__13 _b_12\"/>\u00f6rs\u00e4ljning<span class=\"__13 _eb_5\"> </span>K9.5<span class=\"__13 _e0_5\"> </span>\u2013<span class=\"__13 _d3_5\"> </span>\u2013<span class=\"__13 _5c_5\"> </span>\u2013<span class=\"__13 _994\"> </span>180<span class=\"__13 _d3_5\"> </span>\u2013<span class=\"__13 _991\"> </span>180<span class=\"__13 _15e\"> </span>Summa tillg\u00e5ngar<span class=\"__13 _bd_6\"> </span>218 591<span class=\"__13 _be_6\"> </span>376 253<span class=\"__13 _da_5\"> </span>594 844<span class=\"__13 _eb_5\"> </span>194 668<span class=\"__13 _968\"> </span>375 685<span class=\"__13 _968\"> </span>5<span class=\"__13 _b_12\"/>70 353<span class=\"__13 _15e\"> </span>Skulder till kreditinstitut<span class=\"__13 _d6_5\"> </span>K3.<span class=\"__13 _b_12\"/>13<span class=\"__13 _980\"> </span>27 37<span class=\"__13 _c_12\"/>3<span class=\"__13 _dc_5\"> </span>5 496<span class=\"__13 _944\"> </span>32 869<span class=\"__13 _d4_6\"> </span>13 480<span class=\"__13 _8f_5\"> </span>13 481<span class=\"__13 _4f_5\"> </span>26 961<span class=\"__13 _15e\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__13 _d4_6\"> </span>K3.1<span class=\"__13 _898\"/>4<span class=\"__13 _948\"> </span>213 478<span class=\"__13 _dc_5\"> </span>3 986<span class=\"__13 _d8_6\"> </span>217 464<span class=\"__13 _4b_5\"> </span>200 554<span class=\"__13 _9d_5\"> </span>5 247<span class=\"__13 _d9_5\"> </span>205 801<span class=\"__13 _15e\"> </span>Inl\u00e5ning i placeringsportf\u00f6ljer och fondf<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>s\u00e4kringsavt<span class=\"__13 _898\"/>al<span class=\"__13 _959\"> </span>K3.<span class=\"__13 _b_12\"/>11<span class=\"__13 _e5_5\"> </span>12 067<span class=\"__13 _4f_5\"> </span>30 709<span class=\"__13 _de_5\"> </span><span class=\"ls4_12 wsb_12\">42<span class=\"__13 _c_12\"/> 776<span class=\"__13 _948\"> </span></span>2 865<span class=\"__13 _944\"> </span>45 336<span class=\"__13 _ec_5\"> </span>48 201<span class=\"__13 _15e\"> </span>Skulder till f\u00f6rs\u00e4krings<span class=\"__13 _898\"/>tagare<span class=\"__13 _971\"> </span>K4<span class=\"__13 _5f_5\"> </span>3 134<span class=\"__13 _4f_5\"> </span>2<span class=\"__13 _898\"/>4 464<span class=\"__13 _907\"> </span>27 598<span class=\"__13 _942\"> </span>4 56<span class=\"__13 _c_12\"/>4<span class=\"__13 _8f_5\"> </span>15 031<span class=\"__13 _4f_5\"> </span>19 595<span class=\"__13 _15e\"> </span>Emitterade v\u00e4r<span class=\"__13 _898\"/>depapper <span class=\"__13 _6e_5\"> </span>K3.<span class=\"__13 _b_12\"/>15<span class=\"__13 _984\"> </span>75 486<span class=\"__13 _eb_5\"> </span>104 317<span class=\"__13 _d8_6\"> </span>179 803<span class=\"__13 _5a_5\"> </span>67 151<span class=\"__13 _d8_6\"> </span>109 214<span class=\"__13 _be_6\"> </span>176 365<span class=\"__13 _15e\"> </span>Derivatinstrumen<span class=\"__13 _b_12\"/>t <span class=\"__13 _dd_6\"> </span>K3.<span class=\"__13 _b_12\"/>12<span class=\"__13 _8e_5\"> </span>7 883<span class=\"__13 _de_5\"> </span>32 219<span class=\"__13 _907\"> </span>40 102<span class=\"__13 _961\"> </span>4 757<span class=\"__13 _944\"> </span>26 728<span class=\"__13 _4f_5\"> </span>31 485<span class=\"__13 _15e\"> </span>F\u00f6r\u00e4ndring a<span class=\"__13 _b_12\"/>v verkligt v\u00e4rde f<span class=\"__13 _898\"/>\u00f6r r\u00e4nt<span class=\"__13 _898\"/>es\u00e4krade poster i s\u00e4kringsportf<span class=\"__13 _b_12\"/>\u00f6ljer  <span class=\"__13 _ad_5\"> </span>K3.6<span class=\"__13 _e7_5\"> </span>-2 175<span class=\"__13 _d3_5\"> </span>\u2013<span class=\"__13 _dc_5\"> </span>-2 1<span class=\"__13 _b_12\"/>75<span class=\"__13 _ed_5\"> </span><span class=\"ls4_12 wsb_12\">57<span class=\"__13 _8e_5\"> </span></span>44<span class=\"__13 _980\"> </span>101<span class=\"__13 _15e\"> </span>Aktuella skatt<span class=\"__13 _b_12\"/>eskulder<span class=\"__13 _2b_7\"> </span>K2.<span class=\"__13 _b_12\"/>10<span class=\"__13 _7a_5\"> </span>303<span class=\"__13 _d3_5\"> </span>\u2013<span class=\"__13 _e5_5\"> </span>303<span class=\"__13 _994\"> </span>354<span class=\"__13 _d3_5\"> </span>\u2013<span class=\"__13 _984\"> </span>354<span class=\"__13 _15e\"> </span><span class=\"__13 _15e\">\u00d6vriga skulder1</span><span class=\"__13 _927\"> </span>K3.<span class=\"__13 _b_12\"/>16<span class=\"__13 _965\"> </span>3 175<span class=\"__13 _4d_5\"> </span>13 629<span class=\"__13 _4d_5\"> </span>16 804<span class=\"__13 _3f_7\"> </span>6 790<span class=\"__13 _8f_5\"> </span>11 695<span class=\"__13 _973\"> </span>18 4<span class=\"__13 _c_12\"/>85<span class=\"__13 _15e\"> </span>Upplupna kostnader och f<span class=\"__13 _b_12\"/>\u00f6rutbetalda int\u00e4k<span class=\"__13 _b_12\"/>ter<span class=\"__13 _ee_6\"> </span>1 162<span class=\"__13 _963\"> </span>62<span class=\"__13 _942\"> </span>1 224<span class=\"__13 _ea_6\"> </span>1 210<span class=\"__13 _cf_5\"> </span><span class=\"ls3_12 wsa_12\">124<span class=\"__13 _9d_5\"> </span></span>1 334<span class=\"__13 _15e\"> </span>Uppskjutna skatteskul<span class=\"__13 _898\"/>der<span class=\"__13 _6b_5\"> </span>K2.<span class=\"__13 _b_12\"/>10<span class=\"__13 _ef_5\"> </span><span class=\"ls4_12 wsb_12\">143<span class=\"__13 _991\"> </span></span>47<span class=\"__13 _c_12\"/>9<span class=\"__13 _980\"> </span>622<span class=\"__13 _7e_5\"> </span><span class=\"lsc_12 ws15_12\">64<span class=\"__13 _987\"> </span></span>471<span class=\"__13 _984\"> </span>535<span class=\"__13 _15e\"> </span>A<span class=\"__13 _b_12\"/>vs\u00e4ttningar<span class=\"__13 _f0_6\"> </span>K6<span class=\"__13 _1c_9\"> </span><span class=\"ls11_11 ws1c_11\">97<span class=\"__13 _991\"> </span></span>254<span class=\"__13 _932\"> </span><span class=\"ls4_12 wsb_12\">351<span class=\"__13 _7e_5\"> </span></span>88<span class=\"__13 _e5_5\"> </span>326<span class=\"__13 _991\"> </span><span class=\"ls4_12 wsb_12\">414<span class=\"__13 _15e\"> </span></span>Pensionsskulder<span class=\"__13 _954\"> </span><span class=\"ls5_12 wsc_12\">K8.2<span class=\"__13 _e8_6\"> </span></span>\u2013<span class=\"__13 _991\"> </span>298<span class=\"__13 _995\"> </span>298<span class=\"__13 _e1_5\"> </span>\u2013<span class=\"__13 _991\"> </span>369<span class=\"__13 _d7_5\"> </span>369<span class=\"__13 _15e\"> </span>Efterst\u00e4llda sk<span class=\"__13 _898\"/>ulder<span class=\"__13 _918\"> </span>K3.<span class=\"__13 _898\"/>17<span class=\"__13 _ef_5\"> </span>215<span class=\"__13 _9d_5\"> </span>5 186<span class=\"__13 _938\"> </span>5 401<span class=\"__13 _932\"> </span>965<span class=\"__13 _dc_5\"> </span>5 885<span class=\"__13 _940\"> </span>6 850<span class=\"__13 _15e\"> </span>Summa skulder <span class=\"__13 _f1_5\"> </span>342 341<span class=\"__13 _be_6\"> </span>221 099<span class=\"__13 _930\"> </span>563 440<span class=\"__13 _eb_5\"> </span>302 899<span class=\"__13 _6a_5\"> </span>233 951<span class=\"__13 _da_5\"> </span>536 850<span class=\"__13 _15e\"> </span>1)  V<span class=\"__13 _898\"/>arav leasingsk<span class=\"__13 _b_12\"/>ulder <span class=\"__13 _3e_7\"> </span>98<span class=\"__13 _932\"> </span>982<span class=\"__13 _f2_5\"> </span>1 080<span class=\"__13 _7e_5\"> </span>101<span class=\"__13 _f3_5\"> </span>1 046<span class=\"__13 _f2_5\"> </span>1 147<span class=\"__13 _15e\"> </span>A<span class=\"__13 _b_12\"/>vtalsenliga odiskonter<span class=\"__13 _b_12\"/>ade kassafl\u00f6den<span class=\"__13 _15e\"> </span>31 dec 2022, mn euro<span class=\"__13 _f4_5\"> </span>H\u00f6gst 1 m\u00e5nad<span class=\"__13 _f5_5\"> </span>1\u20133 m\u00e5nader<span class=\"__13 _f5_5\"> </span>3\u201312 m\u00e5nader<span class=\"__13 _f6_5\"> </span><span class=\"ls12_10 ws1d_10\">1\u20132 \u00e5r<span class=\"__13 _ad_5\"> </span></span>2\u20135 \u00e5r<span class=\"__13 _c6_5\"> </span>5\u201310 \u00e5r<span class=\"__13 _3b_7\"> </span>Mer \u00e4n 10 \u00e5r<span class=\"__13 _8d_5\"> </span>Summa<span class=\"__13 _15e\"> </span>Kassa och tillgodoha<span class=\"__13 _b_12\"/>vanden hos centr<span class=\"__13 _898\"/>albanker och utl\u00e5ning till centr<span class=\"__13 _898\"/>albanker<span class=\"__13 _996\"> </span>62 407<span class=\"__13 _f7_5\"> </span>293<span class=\"__13 _994\"> </span>\u2013<span class=\"__13 _eb_5\"> </span>\u2013<span class=\"__13 _4c_5\"> </span>\u2013<span class=\"__13 _990\"> </span>\u2013<span class=\"__13 _d7_5\"> </span>\u2013<span class=\"__13 _c4_5\"> </span>62 700<span class=\"__13 _15e\"> </span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__13 _f8_5\"> </span>52 337<span class=\"__13 _ba_6\"> </span>20 944<span class=\"__13 _930\"> </span>37 500<span class=\"__13 _f9_5\"> </span>36 825<span class=\"__13 _ca_5\"> </span>71 598<span class=\"__13 _cb_5\"> </span>60 390<span class=\"__13 _fa_5\"> </span>179 542<span class=\"__13 _cb_5\"> </span>459 136<span class=\"__13 _15e\"> </span>Utl\u00e5ning till kreditinstitut<span class=\"__13 _fb_5\"> </span>3 802<span class=\"__13 _f7_5\"> </span>356<span class=\"__13 _948\"> </span>101<span class=\"__13 _a8_6\"> </span>269<span class=\"__13 _3d_7\"> </span>45<span class=\"__13 _990\"> </span>\u2013<span class=\"__13 _d7_5\"> </span>\u2013<span class=\"__13 _c1_5\"> </span><span class=\"ls4_12 wsb_12\">4 573<span class=\"__13 _15e\"> </span></span>R\u00e4nteb\u00e4r<span class=\"__13 _898\"/>ande v\u00e4rdepapper<span class=\"__13 _5d_5\"> </span>1 608<span class=\"__13 _be_6\"> </span>2 255<span class=\"__13 _968\"> </span>15 996<span class=\"__13 _fc_6\"> </span>14 585<span class=\"__13 _fd_5\"> </span>28 122<span class=\"__13 _fe_5\"> </span>5 696<span class=\"__13 _968\"> </span>6 027<span class=\"__13 _ab_5\"> </span>7<span class=\"__13 _b_12\"/>4 289<span class=\"__13 _15e\"> </span>\u00d6vriga \ufb01nansiella tillg\u00e5ngar f\u00f6rutom deriv<span class=\"__13 _b_12\"/>at<span class=\"__13 _ff_5\"> </span>\u2013<span class=\"__13 _d7_5\"> </span>\u2013<span class=\"__13 _994\"> </span>\u2013<span class=\"__13 _eb_5\"> </span>\u2013<span class=\"__13 _d4_6\"> </span>\u2013<span class=\"__13 _940\"> </span>\u2013<span class=\"__13 _997\"> </span>66 114<span class=\"__13 _ad_5\"> </span>66 114<span class=\"__13 _15e\"> </span>Summa \ufb01nansiella tillg\u00e5ngar  f\u00f6rutom deriv<span class=\"__13 _898\"/>at<span class=\"__13 _945\"> </span>120 154<span class=\"__13 _ba_6\"> </span>23 848<span class=\"__13 _d9_5\"> </span>53 597<span class=\"__13 _fc_6\"> </span>51 679<span class=\"__13 _cb_5\"> </span>99 765<span class=\"__13 _f6_5\"> </span>66 086<span class=\"__13 _c4_5\"> </span>251 683<span class=\"__13 _953\"> </span>666 812<span class=\"__13 _15e\"> </span>K10.3  L\u00f6ptidsanalys, forts.<span class=\"__13 _15e\"> </span><div class=\"t_13 m0_13 h1_13 ff1_13 fs0_13 fc0_13 sc0_13 ls0_13 ws0_13\" style=\"left:0.01052475px; bottom:2.1012287px;\">190<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h2_13 ff2_13 fs1_12 fc0_13 sc0_13 ls0_13 ws1_13\" style=\"left:44.122643px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h3_12 ff2_13 fs1_12 fc0_13 sc0_13 ls1_13 ws2_12\" style=\"left:48.323853px; bottom:1029.1447px;\">Inledning<span class=\"__13 _897\"> </span><span class=\"__13 _15e\">Aff</span><span class=\"__13 _898\"/>\u00e4rsomr\u00e5den<span class=\"__13 _899\"/><span class=\"ws0_13\">V<span class=\"__13 _b_12\"/>\u00e5ra intressent<span class=\"__13 _898\"/>er<span class=\"__13 _900\"> </span><span class=\"ff1_13\">Finansiella rapporter<span class=\"__13 _901\"/><span class=\"ff2_13 ws2_12\">F\u00f6rvaltningsber<span class=\"__13 _898\"/>\u00e4ttelse<span class=\"__13 _902\"> </span>H\u00e5llbarhetsnoter<span class=\"__13 _903\"> </span>\u00d6vrigt<span class=\"__13 _904\"/><span class=\"ws0_13\">Strategisk r<span class=\"__13 _898\"/>apport<span class=\"__13 _15e\"> </span></span></span></span></span></div><div class=\"t_13 m0_13 h8_12 ff3_12 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:44.122643px; bottom:986.27924px;\">K10.3  L\u00f6ptidsanalys, forts.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 hc_12 ff1_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:44.122643px; bottom:947.22943px;\">A<span class=\"__13 _b_12\"/>vtalsenliga odiskonter<span class=\"__13 _b_12\"/>ade kassafl\u00f6den, forts.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:932.5353px;\">31 dec 2022, mn euro<span class=\"__13 _f4_5\"> </span>H\u00f6gst 1 m\u00e5nad<span class=\"__13 _f5_5\"> </span>1\u20133 m\u00e5nader<span class=\"__13 _f5_5\"> </span>3\u201312 m\u00e5nader<span class=\"__13 _f6_5\"> </span><span class=\"ls12_10 ws1d_10\">1\u20132 \u00e5r<span class=\"__13 _fa_5\"> </span></span>2\u20135 \u00e5r<span class=\"__13 _c6_5\"> </span>5\u201310 \u00e5r<span class=\"__13 _8b_5\"> </span>Mer \u00e4n 10 \u00e5r<span class=\"__13 _8d_5\"> </span>Summa<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:916.8663px;\">In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__13 _977\"> </span>206 856<span class=\"__13 _968\"> </span>7 338<span class=\"__13 _4f_5\"> </span>4 519<span class=\"__13 _a8_6\"> </span>335<span class=\"__13 _990\"> </span>2<span class=\"__13 _5a_5\"> </span>2<span class=\"__13 _984\"> </span>3<span class=\"__13 _cb_5\"> </span>219 055<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:901.19604px;\">Skulder till kreditinstitut<span class=\"__13 _fb_5\"> </span>19 697<span class=\"__13 _968\"> </span>1 802<span class=\"__13 _ec_5\"> </span>6 100<span class=\"__13 _cb_5\"> </span>5 975<span class=\"__13 _930\"> </span>168<span class=\"__13 _990\"> </span>\u2013<span class=\"__13 _d7_5\"> </span>\u2013<span class=\"__13 _ad_5\"> </span>33 7<span class=\"__13 _b_12\"/>42<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:885.5259px;\">Emitterade v\u00e4r<span class=\"__13 _898\"/>depapper<span class=\"__13 _946\"> </span>5 851<span class=\"__13 _c1_5\"> </span>21 238<span class=\"__13 _930\"> </span>52 485<span class=\"__13 _fc_6\"> </span>25 447<span class=\"__13 _f6_5\"> </span>69 286<span class=\"__13 _c9_6\"> </span>14 07<span class=\"__13 _898\"/>4<span class=\"__13 _997\"> </span>21 619<span class=\"__13 _953\"> </span>210 000<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:869.85565px;\">- vara<span class=\"__13 _b_12\"/>v bank- och f\u00f6retagsc<span class=\"__13 _b_12\"/>er<span class=\"__13 _c_12\"/>ti\ufb01kat<span class=\"__13 _998\"> </span>4 682<span class=\"__13 _c1_5\"> </span>18 018<span class=\"__13 _be_6\"> </span><span class=\"ls4_12 wsb_12\">28 176<span class=\"__13 _ba_6\"> </span></span>126<span class=\"__13 _d9_5\"> </span>183<span class=\"__13 _990\"> </span>\u2013<span class=\"__13 _d7_5\"> </span>\u2013<span class=\"__13 _999\"> </span>51 185<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:854.1854px;\">- vara<span class=\"__13 _b_12\"/>v s\u00e4kerst\u00e4llda obligationer<span class=\"__13 _e3_5\"> </span>1 169<span class=\"__13 _6a_5\"> </span>1 7<span class=\"__13 _898\"/>69<span class=\"__13 _968\"> </span>18 916<span class=\"__13 _fc_6\"> </span>23 062<span class=\"__13 _c6_5\"> </span>52 180<span class=\"__13 _a8_6\"> </span>9 677<span class=\"__13 _ce_6\"> </span>21 14<span class=\"__13 _c_12\"/>2<span class=\"__13 _ca_5\"> </span>127 915<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:838.51526px;\">- vara<span class=\"__13 _b_12\"/>v \u00f6vriga obligationer<span class=\"__13 _1000\"> </span>0<span class=\"__13 _d8_6\"> </span>1 451<span class=\"__13 _973\"> </span>5 393<span class=\"__13 _cb_5\"> </span>2 259<span class=\"__13 _c6_5\"> </span>16 92<span class=\"__13 _c_12\"/>3<span class=\"__13 _999\"> </span>4 397<span class=\"__13 _4c_5\"> </span>477<span class=\"__13 _1001\"> </span>30 900<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:822.84503px;\">Efterst\u00e4llda sk<span class=\"__13 _898\"/>ulder<span class=\"__13 _989\"> </span>86<span class=\"__13 _f7_5\"> </span>328<span class=\"__13 _938\"> </span>961<span class=\"__13 _f6_5\"> </span>3 546<span class=\"__13 _999\"> </span>1 566<span class=\"__13 _6a_5\"> </span>213<span class=\"__13 _d7_5\"> </span>\u2013<span class=\"__13 _1002\"> </span>6 700<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:807.17487px;\">\u00d6vriga \ufb01nansiella skulder f\u00f6rut<span class=\"__13 _b_12\"/>om derivat<span class=\"__13 _e1_5\"> </span>54 927<span class=\"__13 _948\"> </span>21<span class=\"__13 _2c_7\"> </span>94<span class=\"__13 _1003\"> </span>95<span class=\"__13 _da_5\"> </span>202<span class=\"__13 _d9_5\"> </span>306<span class=\"__13 _f7_5\"> </span>4<span class=\"__13 _c_12\"/>37<span class=\"__13 _8d_5\"> </span>56 082<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 hd_12 ff4_12 fs0_13 fc2_11 sc0_13 ls0_13 ws1e_9\" style=\"left:48.323853px; bottom:791.50464px;\">Summa \ufb01nansiella skulder f\u00f6rut<span class=\"__13 _898\"/>om derivat<span class=\"__13 _f2_5\"> </span><span class=\"ws0_13\">287 417<span class=\"__13 _bc_5\"> </span>30 727<span class=\"__13 _930\"> </span>64 159<span class=\"__13 _f9_5\"> </span>35 398<span class=\"__13 _ca_5\"> </span>71 224<span class=\"__13 _ca_5\"> </span>14 595<span class=\"__13 _ba_6\"> </span>22 059<span class=\"__13 _f6_5\"> </span><span class=\"ls4_12 wsb_12\">525<span class=\"__13 _c_12\"/> 579<span class=\"__13 _15e\"> </span></span></span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:775.8345px;\">Derivatinstrumen<span class=\"__13 _b_12\"/>t<span class=\"__13 _c_12\"/>, kassainfl\u00f6de<span class=\"__13 _1004\"> </span>198 093<span class=\"__13 _8d_5\"> </span>239,658<span class=\"__13 _1005\"> </span>143 436<span class=\"__13 _9e_5\"> </span>112 946<span class=\"__13 _fc_6\"> </span>184 038<span class=\"__13 _cd_5\"> </span>105 444<span class=\"__13 _ba_6\"> </span>48 967<span class=\"__13 _1006\"> </span>1 032 582<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:760.16425px;\">Derivatinstrumen<span class=\"__13 _b_12\"/>t<span class=\"__13 _c_12\"/>, kassautfl\u00f6de<span class=\"__13 _10a_5\"> </span>198 554<span class=\"__13 _ab_5\"> </span>239 916<span class=\"__13 _ba_6\"> </span>144 540<span class=\"__13 _10b_5\"> </span>114 272<span class=\"__13 _952\"> </span>184 590<span class=\"__13 _10c_5\"> </span>105 378<span class=\"__13 _997\"> </span>48 311<span class=\"__13 _982\"> </span>1 035 561<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 hd_12 ff4_12 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:744.494px;\">Derivatinstrumen<span class=\"__13 _b_12\"/>t<span class=\"__13 _c_12\"/>, netto kassafl\u00f6de<span class=\"__13 _962\"> </span>-<span class=\"__13 _c_12\"/>461<span class=\"__13 _3d_7\"> </span><span class=\"ls3_12 wsa_12\">-25<span class=\"__13 _c_12\"/>8<span class=\"__13 _d8_6\"> </span></span>-1 104<span class=\"__13 _10d_5\"> </span>-1 326<span class=\"__13 _bc_5\"> </span>-552<span class=\"__13 _973\"> </span>66<span class=\"__13 _907\"> </span>656<span class=\"__13 _999\"> </span><span class=\"ls3_12 wsa_12\">-2 97<span class=\"__13 _c_12\"/>9<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:728.82385px;\">Kredit\u00e5taganden<span class=\"__13 _983\"> </span>87 003<span class=\"__13 _d7_5\"> </span>\u2013<span class=\"__13 _994\"> </span>\u2013<span class=\"__13 _eb_5\"> </span>\u2013<span class=\"__13 _d4_6\"> </span>\u2013<span class=\"__13 _940\"> </span>\u2013<span class=\"__13 _984\"> </span>\u2013<span class=\"__13 _8d_5\"> </span>87 003<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:713.1536px;\">Utst\u00e4llda garan<span class=\"__13 _b_12\"/>tier<span class=\"__13 _10e_5\"> </span>20 486<span class=\"__13 _d7_5\"> </span>\u2013<span class=\"__13 _994\"> </span>\u2013<span class=\"__13 _eb_5\"> </span>\u2013<span class=\"__13 _d4_6\"> </span>\u2013<span class=\"__13 _990\"> </span>\u2013<span class=\"__13 _d7_5\"> </span>\u2013<span class=\"__13 _1001\"> </span>20 486<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:681.3308px;\">31 dec 2021, mn euro<span class=\"__13 _10f_5\"> </span>H\u00f6gst 1 m\u00e5nad<span class=\"__13 _f5_5\"> </span>1\u20133 m\u00e5nader<span class=\"__13 _f5_5\"> </span>3\u201312 m\u00e5nader<span class=\"__13 _f6_5\"> </span><span class=\"ls12_10 ws1d_10\">1\u20132 \u00e5r<span class=\"__13 _fa_5\"> </span></span>2\u20135 \u00e5r<span class=\"__13 _c6_5\"> </span>5\u201310 \u00e5r<span class=\"__13 _8b_5\"> </span>Mer \u00e4n 10 \u00e5r<span class=\"__13 _1001\"> </span>Summa<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:665.6617px;\">Kassa och tillgodoha<span class=\"__13 _b_12\"/>vanden hos </div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:654.61426px;\">centr<span class=\"__13 _898\"/>albanker och utl\u00e5ning till </div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:643.56683px;\">centr<span class=\"__13 _898\"/>albanker<span class=\"__13 _1007\"> </span>47 904<span class=\"__13 _d7_5\"> </span>\u2013<span class=\"__13 _994\"> </span>\u2013<span class=\"__13 _eb_5\"> </span>\u2013<span class=\"__13 _d4_6\"> </span>\u2013<span class=\"__13 _940\"> </span>\u2013<span class=\"__13 _d7_5\"> </span>\u2013<span class=\"__13 _c4_5\"> </span>47 904<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:627.89667px;\">Utl\u00e5ning till allm\u00e4nheten<span class=\"__13 _902\"> </span>52 876<span class=\"__13 _c1_5\"> </span>16 081<span class=\"__13 _d9_5\"> </span>35 4<span class=\"__13 _c_12\"/>32<span class=\"__13 _f9_5\"> </span>33 465<span class=\"__13 _c6_5\"> </span>67 770<span class=\"__13 _ca_5\"> </span>58 619<span class=\"__13 _8d_5\"> </span>160 444<span class=\"__13 _953\"> </span>424 687<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:612.22644px;\">Utl\u00e5ning till kreditinstitut<span class=\"__13 _1008\"> </span>1 702<span class=\"__13 _8f_5\"> </span>104<span class=\"__13 _986\"> </span><span class=\"ls4_12 wsb_12\">114<span class=\"__13 _1005\"> </span></span>115<span class=\"__13 _d4_6\"> </span>\u2013<span class=\"__13 _990\"> </span>\u2013<span class=\"__13 _d7_5\"> </span>\u2013<span class=\"__13 _bc_5\"> </span>2 035<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:596.5563px;\">R\u00e4nteb\u00e4r<span class=\"__13 _898\"/>ande v\u00e4rdepapper<span class=\"__13 _5d_5\"> </span>9 935<span class=\"__13 _d9_5\"> </span>2 268<span class=\"__13 _ec_5\"> </span>9 422<span class=\"__13 _1009\"> </span>11 890<span class=\"__13 _cb_5\"> </span>19 089<span class=\"__13 _a8_6\"> </span>6 72<span class=\"__13 _c_12\"/>3<span class=\"__13 _d9_5\"> </span>9 282<span class=\"__13 _1001\"> </span>68 609<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:580.88605px;\">\u00d6vriga \ufb01nansiella tillg\u00e5ngar f\u00f6rutom deriv<span class=\"__13 _b_12\"/>at<span class=\"__13 _ff_5\"> </span>\u2013<span class=\"__13 _d7_5\"> </span>\u2013<span class=\"__13 _994\"> </span>\u2013<span class=\"__13 _eb_5\"> </span>\u2013<span class=\"__13 _d4_6\"> </span>\u2013<span class=\"__13 _940\"> </span>\u2013<span class=\"__13 _ba_6\"> </span>70 008<span class=\"__13 _1001\"> </span>70 008<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 hd_12 ff4_12 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:565.2159px;\">Summa \ufb01nansiella tillg\u00e5ngar  </div><div class=\"t_13 m0_13 hd_12 ff4_12 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:554.16846px;\">f\u00f6rutom deriv<span class=\"__13 _898\"/>at<span class=\"__13 _d0_5\"> </span>112 41<span class=\"__13 _b_12\"/>7<span class=\"__13 _1005\"> </span>18 453<span class=\"__13 _bf_6\"> </span>44 968<span class=\"__13 _982\"> </span>45 470<span class=\"__13 _953\"> </span>86 859<span class=\"__13 _c6_5\"> </span>65 342<span class=\"__13 _8d_5\"> </span>239 734<span class=\"__13 _cb_5\"> </span>613 2<span class=\"__13 _b_12\"/>4<span class=\"__13 _c_12\"/>3<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:538.4982px;\">In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__13 _1010\"> </span>191 347<span class=\"__13 _c1_5\"> </span>13 662<span class=\"__13 _4f_5\"> </span>2 150<span class=\"__13 _1011\"> </span>332<span class=\"__13 _1003\"> </span>499<span class=\"__13 _be_6\"> </span>319<span class=\"__13 _a5_6\"> </span>99<span class=\"__13 _1012\"> </span>208 408<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:522.82806px;\">Skulder till kreditinstitut<span class=\"__13 _1013\"> </span>8 900<span class=\"__13 _968\"> </span>4 702<span class=\"__13 _5a_5\"> </span>600<span class=\"__13 _c6_5\"> </span>7 201<span class=\"__13 _fa_5\"> </span>5 346<span class=\"__13 _968\"> </span>100<span class=\"__13 _d7_5\"> </span>\u2013<span class=\"__13 _8d_5\"> </span>26 849<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:507.15784px;\">Emitterade v\u00e4r<span class=\"__13 _898\"/>depapper<span class=\"__13 _1014\"> </span>5 264<span class=\"__13 _bc_5\"> </span>16 497<span class=\"__13 _da_5\"> </span>47 089<span class=\"__13 _f9_5\"> </span>26 596<span class=\"__13 _1015\"> </span>53 925<span class=\"__13 _1001\"> </span>13 353<span class=\"__13 _c1_5\"> </span>22 813<span class=\"__13 _c6_5\"> </span>185 537<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:491.48767px;\">- vara<span class=\"__13 _b_12\"/>v bank- och f\u00f6retagsc<span class=\"__13 _b_12\"/>er<span class=\"__13 _c_12\"/>ti\ufb01kat<span class=\"__13 _c2_6\"> </span>1 593<span class=\"__13 _bc_5\"> </span>14 863<span class=\"__13 _4b_5\"> </span>21 131<span class=\"__13 _a8_6\"> </span>582<span class=\"__13 _d4_6\"> </span>\u2013<span class=\"__13 _940\"> </span>\u2013<span class=\"__13 _d7_5\"> </span>\u2013<span class=\"__13 _fa_5\"> </span>38 169<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:475.81744px;\">- vara<span class=\"__13 _b_12\"/>v s\u00e4kerst\u00e4llda obligationer<span class=\"__13 _1016\"> </span>3 625<span class=\"__13 _938\"> </span>92<span class=\"__13 _6a_5\"> </span>21 061<span class=\"__13 _f9_5\"> </span>20 395<span class=\"__13 _1015\"> </span>43 818<span class=\"__13 _999\"> </span>8 825<span class=\"__13 _c1_5\"> </span>22 657<span class=\"__13 _cb_5\"> </span>120 473<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:460.14725px;\">- vara<span class=\"__13 _b_12\"/>v \u00f6vriga obligationer<span class=\"__13 _11a_6\"> </span>46<span class=\"__13 _be_6\"> </span>1 54<span class=\"__13 _c_12\"/>2<span class=\"__13 _973\"> </span>4 897<span class=\"__13 _f6_5\"> </span>5 619<span class=\"__13 _c9_6\"> </span>10 107<span class=\"__13 _999\"> </span>4 528<span class=\"__13 _4c_5\"> </span>156<span class=\"__13 _8d_5\"> </span>26 895<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:444.47705px;\">Efterst\u00e4llda sk<span class=\"__13 _898\"/>ulder<span class=\"__13 _11b_6\"> </span>\u2013<span class=\"__13 _d4_6\"> </span>125<span class=\"__13 _907\"> </span>1 012<span class=\"__13 _1011\"> </span>437<span class=\"__13 _999\"> </span>4 617<span class=\"__13 _999\"> </span>2 2<span class=\"__13 _c_12\"/>50<span class=\"__13 _de_5\"> </span>264<span class=\"__13 _bc_5\"> </span>8 705<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:428.80685px;\">\u00d6vriga \ufb01nansiella skulder f\u00f6rut<span class=\"__13 _b_12\"/>om derivat<span class=\"__13 _6c_5\"> </span>98 994<span class=\"__13 _3f_7\"> </span>22<span class=\"__13 _d7_5\"> </span>99<span class=\"__13 _ba_6\"> </span>122<span class=\"__13 _930\"> </span>228<span class=\"__13 _d9_5\"> </span>288<span class=\"__13 _907\"> </span>466<span class=\"__13 _1015\"> </span>100 219<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 hd_12 ff4_12 fs0_13 fc2_11 sc0_13 ls0_13 ws1e_9\" style=\"left:48.323853px; bottom:413.13666px;\">Summa \ufb01nansiella skulder f\u00f6rut<span class=\"__13 _898\"/>om derivat<span class=\"__13 _948\"> </span><span class=\"ws0_13\">304 505<span class=\"__13 _1011\"> </span>35 008<span class=\"__13 _1003\"> </span>50 950<span class=\"__13 _993\"> </span>34 688<span class=\"__13 _cb_5\"> </span>6<span class=\"__13 _c_12\"/>4 615<span class=\"__13 _fd_5\"> </span>16 310<span class=\"__13 _1002\"> </span>23 642<span class=\"__13 _cb_5\"> </span>529 718<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:397.46646px;\">Derivatinstrumen<span class=\"__13 _b_12\"/>t<span class=\"__13 _c_12\"/>, kassainfl\u00f6de<span class=\"__13 _e2_5\"> </span>209 021<span class=\"__13 _8d_5\"> </span>203 073<span class=\"__13 _ce_6\"> </span>117 682<span class=\"__13 _f9_5\"> </span>76 794<span class=\"__13 _952\"> </span>142 869<span class=\"__13 _fd_5\"> </span>71 000<span class=\"__13 _c1_5\"> </span>17 383<span class=\"__13 _cb_5\"> </span>837 822<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:381.79626px;\">Derivatinstrumen<span class=\"__13 _b_12\"/>t<span class=\"__13 _c_12\"/>, kassautfl\u00f6de<span class=\"__13 _11c_6\"> </span>208 571<span class=\"__13 _1001\"> </span>202 669<span class=\"__13 _997\"> </span>118 160<span class=\"__13 _10d_5\"> </span>7<span class=\"__13 _b_12\"/>4 371<span class=\"__13 _cd_5\"> </span><span class=\"ls4_12 wsb_12\">14<span class=\"__13 _c_12\"/>3 766<span class=\"__13 _8d_5\"> </span></span>7<span class=\"__13 _c_12\"/>2 137<span class=\"__13 _bc_5\"> </span>16 897<span class=\"__13 _1015\"> </span>836 571<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 hd_12 ff4_12 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:366.12607px;\">Derivatinstrumen<span class=\"__13 _b_12\"/>t<span class=\"__13 _c_12\"/>, netto kassafl\u00f6de<span class=\"__13 _11d_6\"> </span>450<span class=\"__13 _944\"> </span>404<span class=\"__13 _4c_5\"> </span>-478<span class=\"__13 _f6_5\"> </span>2 423<span class=\"__13 _1005\"> </span>-897<span class=\"__13 _fa_5\"> </span>-1 137<span class=\"__13 _4d_5\"> </span>486<span class=\"__13 _bf_6\"> </span><span class=\"ls4_12 wsb_12\">1 251<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:350.45587px;\">Kredit\u00e5taganden<span class=\"__13 _983\"> </span>86 238<span class=\"__13 _d7_5\"> </span>\u2013<span class=\"__13 _994\"> </span>\u2013<span class=\"__13 _eb_5\"> </span>\u2013<span class=\"__13 _d4_6\"> </span>\u2013<span class=\"__13 _940\"> </span>\u2013<span class=\"__13 _984\"> </span>\u2013<span class=\"__13 _8d_5\"> </span>86 238<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:48.323853px; bottom:334.78564px;\">Utst\u00e4llda garan<span class=\"__13 _b_12\"/>tier<span class=\"__13 _11e_6\"> </span>21 943<span class=\"__13 _d7_5\"> </span>\u2013<span class=\"__13 _994\"> </span>\u2013<span class=\"__13 _eb_5\"> </span>\u2013<span class=\"__13 _d4_6\"> </span>\u2013<span class=\"__13 _990\"> </span>\u2013<span class=\"__13 _d7_5\"> </span>\u2013<span class=\"__13 _fa_5\"> </span>21 943<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h5_12 ff1_13 fs3_12 fc0_13 sc0_13 ls0_13 ws0_13\" style=\"left:44.122643px; bottom:288.61694px;\">K10.4  T<span class=\"__13 _906\"/>ransak<span class=\"__13 _b_12\"/>tioner med n\u00e4rst\u00e5ende<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h6_12 ff1_13 fs4_12 fc1_12 sc0_13 ls0_13 ws0_13\" style=\"left:51.492737px; bottom:261.56003px;\">Redovisningsprinciper<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h6_12 ff1_13 fs4_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:44.122643px; bottom:236.97833px;\">N\u00e4rst\u00e5ende<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls9_12 ws0_13\" style=\"left:44.122643px; bottom:223.44664px;\">N\u00e4rst\u00e5ende \u00e4r en person eller ett f\u00f6r<span class=\"__13 _b_12\"/>etag med en n\u00e4ra relation<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls9_12 ws10_12\" style=\"left:44.122643px; bottom:209.92143px;\">till Nordea<span class=\"ws0_13\">. N\u00e4rst\u00e5ende parter delas in i f<span class=\"__13 _b_12\"/>\u00f6ljande kategorier:<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:44.122643px; bottom:196.39624px;\">\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Aktie\u00e4gare med bety<span class=\"__13 _b_12\"/>dande inflytande<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:44.122643px; bottom:182.87103px;\">\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Intre<span class=\"__13 _898\"/>ssef\u00f6r<span class=\"__13 _b_12\"/>etag och joint ventur<span class=\"__13 _898\"/>es<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:44.122643px; bottom:169.34584px;\">\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Nyckelpersoner i ledande positioner<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:44.122643px; bottom:155.82063px;\">\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">\u00d6vriga n\u00e4rst\u00e5ende parter<span class=\"__13 _b_12\"/>.<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 he_12 ff3_12 fs4_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:44.122643px; bottom:128.74294px;\">Aktie\u00e4gare med betydande inflytande<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls13_10 ws0_13\" style=\"left:44.122643px; bottom:115.21384px;\">Aktie\u00e4gare med bety<span class=\"__13 _b_12\"/>dande inflytande \u00e4r ak<span class=\"__13 _898\"/>tie\u00e4gare som har r\u00e4<span class=\"__13 _b_12\"/>tt<span class=\"__13 _c_12\"/> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls13_10 ws0_13\" style=\"left:44.122643px; bottom:101.688644px;\">att delta i besl<span class=\"__13 _898\"/>ut som r\u00f6r <span class=\"ws1f_9\">Nordea</span>s \ufb01nansiella och oper<span class=\"__13 _b_12\"/>ativa stra<span class=\"__13 _898\"/><span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls13_10 ws18_11\" style=\"left:44.122643px; bottom:88.16344px;\">tegier<span class=\"__13 _b_12\"/>, men som inte har ett bes<span class=\"__13 _b_12\"/>t\u00e4mmande inflytande \u00f6v<span class=\"__13 _b_12\"/>er dessa.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 he_12 ff3_12 fs4_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:44.122643px; bottom:61.097435px;\">In<span class=\"__13 _898\"/>tressef<span class=\"__13 _898\"/>\u00f6retag och join<span class=\"__13 _b_12\"/>t ventures<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls14_10 ws0_13\" style=\"left:44.122643px; bottom:47.568336px;\">En de\ufb01nition av t<span class=\"__13 _b_12\"/>ermen intressef<span class=\"__13 _898\"/>\u00f6retag och join<span class=\"__13 _898\"/>t ventur<span class=\"__13 _b_12\"/>e \ufb01nns i<span class=\"__13 _c_12\"/> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls14_10 ws0_13\" style=\"left:44.122643px; bottom:34.04314px;\">not K9.3 \u201d<span class=\"__13 _906\"/>Aktier och andelar i in<span class=\"__13 _b_12\"/>tressef\u00f6r<span class=\"__13 _898\"/>etag och joint v<span class=\"__13 _b_12\"/>entures\u201d<span class=\"__13 _906\"/>.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 he_12 ff3_12 fs4_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:372.09106px; bottom:291.54193px;\">Nyckelpersoner i ledande positioner<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:372.09106px; bottom:278.01285px;\">Nyckelpersoner i ledande positioner \u00e4r de personer som har<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:372.09106px; bottom:264.48764px;\">befogenhet och ansv<span class=\"__13 _b_12\"/>ar f\u00f6r planering, ledning och styrning a<span class=\"__13 _898\"/>v<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:372.09106px; bottom:250.96243px;\">f\u00f6r<span class=\"__13 _898\"/>etagets verksamhet, direkt eller indir<span class=\"__13 _b_12\"/>ekt, d\u00e4ribland f\u00f6reta-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:372.09106px; bottom:237.43723px;\">gets styrelse.<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 he_12 ff3_12 fs4_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:372.09106px; bottom:210.36734px;\">\u00d6vriga n\u00e4rst\u00e5ende parter<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:372.09106px; bottom:196.83824px;\">\u00d6vriga n\u00e4rst\u00e5ende parter utg\u00f6rs av do<span class=\"__13 _b_12\"/>tterf\u00f6retag till aktie-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:372.09106px; bottom:183.31303px;\">\u00e4gare med betydande in<span class=\"__13 _b_12\"/>flytande, n\u00e4ra anh\u00f6riga till nyck<span class=\"__13 _898\"/>el-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:372.09106px; bottom:169.78784px;\">personer i ledande positioner och bolag som kontr<span class=\"__13 _b_12\"/>olleras<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:372.09106px; bottom:156.26263px;\">eller gemensamt kon<span class=\"__13 _b_12\"/>trolleras a<span class=\"__13 _898\"/>v nyckelpersoner i ledande<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:372.09106px; bottom:142.73744px;\">positioner eller av n\u00e4r<span class=\"__13 _b_12\"/>a anh\u00f6riga till dessa nyckelpersoner<span class=\"__13 _b_12\"/>.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h6_12 ff1_13 fs4_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:372.09106px; bottom:115.663635px;\">T<span class=\"__13 _906\"/>ransaktioner med n\u00e4rst\u00e5ende<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:372.09106px; bottom:102.13454px;\">En transak<span class=\"__13 _898\"/>tion med n\u00e4rst\u00e5ende de\ufb01nieras som en \u00f6<span class=\"__13 _b_12\"/>verf\u00f6ring<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:372.09106px; bottom:88.60934px;\">av r<span class=\"__13 _b_12\"/>esur<span class=\"__13 _c_12\"/>ser<span class=\"__13 _b_12\"/>, tj\u00e4nster eller f<span class=\"__13 _b_12\"/>\u00f6rpliktelser mellan Nordea och en<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:372.09106px; bottom:75.08414px;\">n\u00e4rst\u00e5ende part, oavsett om dessa debiteras eller in<span class=\"__13 _b_12\"/>te.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:372.09106px; bottom:61.558937px;\">Se \u00e4v<span class=\"__13 _b_12\"/>en Redovisningsprinciper i not K8.4 \u201dErs\u00e4ttning till<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:372.09106px; bottom:48.033737px;\"> <span class=\"__13 _d_12\"/>nyckelpersoner i ledande positioner<span class=\"__13 _c_12\"/>\u201d<span class=\"__13 _15e\"> </span><span class=\"__13 _906\"/>.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h1_13 ff1_13 fs0_13 fc0_13 sc0_13 ls0_13 ws0_13\" style=\"left:656.34534px; bottom:2.1012287px;\">191<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h2_13 ff2_13 fs1_12 fc0_13 sc0_13 ls0_13 ws1_13\" style=\"left:497.5244px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h3_12 ff2_13 fs1_12 fc0_13 sc0_13 ls1_13 ws2_12\" style=\"left:4.2144775px; bottom:1029.1447px;\">Inledning<span class=\"__13 _897\"> </span><span class=\"__13 _15e\">Aff</span><span class=\"__13 _898\"/>\u00e4rsomr\u00e5den<span class=\"__13 _899\"/><span class=\"ws0_13\">V<span class=\"__13 _b_12\"/>\u00e5ra intressent<span class=\"__13 _898\"/>er<span class=\"__13 _900\"> </span><span class=\"ff1_13\">Finansiella rapporter<span class=\"__13 _901\"/><span class=\"ff2_13 ws2_12\">F\u00f6rvaltningsber<span class=\"__13 _898\"/>\u00e4ttelse<span class=\"__13 _902\"> </span>H\u00e5llbarhetsnoter<span class=\"__13 _903\"> </span>\u00d6vrigt<span class=\"__13 _904\"/><span class=\"ws0_13\">Strategisk r<span class=\"__13 _898\"/>apport<span class=\"__13 _15e\"> </span></span></span></span></span></div><div class=\"t_13 m0_13 hc_12 ff1_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:951.6515px;\">T<span class=\"__13 _b_12\"/>ransak<span class=\"__13 _b_12\"/>tioner med n\u00e4r<span class=\"__13 _c_12\"/>st\u00e5ende<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:165.14265px; bottom:926.47296px;\">Intressef<span class=\"__13 _b_12\"/><span class=\"__13 _15e\">\u00f6retag1<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:237.52014px; bottom:936.22296px;\">\u00d6vriga n\u00e4rst\u00e5ende<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:258.79855px; bottom:926.47296px;\"><span class=\"__13 _15e\">parter2<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:902.7688px;\">Mn euro<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:169.11415px; bottom:912.5188px;\">31 dec<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:174.90955px; bottom:902.7688px;\">2022<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:207.80994px; bottom:912.5188px;\">31 dec<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:214.09674px; bottom:902.7688px;\">2021<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:246.13135px; bottom:912.5188px;\">31 dec<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:251.92676px; bottom:902.7688px;\">2022<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:284.82715px; bottom:912.5188px;\">31 dec<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:291.11395px; bottom:902.7688px;\">2021<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 hd_12 ff4_12 fs0_13 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:887.83374px;\">Tillg\u00e5ngar<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:872.90063px;\">Utl\u00e5ning<span class=\"__13 _11f_6\"> </span><span class=\"ls3_12 wsa_12\">124<span class=\"__13 _1005\"> </span></span>86<span class=\"__13 _968\"> </span>2<span class=\"__13 _be_6\"> </span>2<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:857.9675px;\">R\u00e4nteb\u00e4r<span class=\"__13 _898\"/>ande v\u00e4rdepapper<span class=\"__13 _1c_9\"> </span>\u2013<span class=\"__13 _968\"> </span>\u2013<span class=\"__13 _da_5\"> </span>\u2013<span class=\"__13 _be_6\"> </span>2<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:843.0344px;\">Derivatinstrumen<span class=\"__13 _b_12\"/>t<span class=\"__13 _918\"> </span>\u2013<span class=\"__13 _997\"> </span>15<span class=\"__13 _930\"> </span>\u2013<span class=\"__13 _bc_5\"> </span>26<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:828.1013px;\">\u00d6vriga tillg\u00e5ngar<span class=\"__13 _1017\"> </span>8<span class=\"__13 _968\"> </span>4<span class=\"__13 _930\"> </span>\u2013<span class=\"__13 _968\"> </span>6<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 hd_12 ff4_12 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:813.1682px;\">Summa tillg\u00e5ngar<span class=\"__13 _11c_6\"> </span>132<span class=\"__13 _ab_5\"> </span>105<span class=\"__13 _968\"> </span>2<span class=\"__13 _1005\"> </span>36<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:165.14265px; bottom:776.57117px;\">Intressef<span class=\"__13 _b_12\"/><span class=\"__13 _15e\">\u00f6retag1<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:237.52014px; bottom:786.32117px;\">\u00d6vriga n\u00e4rst\u00e5ende<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:258.79855px; bottom:776.57117px;\"><span class=\"__13 _15e\">parter2<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:752.86694px;\">Mn euro<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:169.11415px; bottom:762.61694px;\">31 dec<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:174.90955px; bottom:752.86694px;\">2022<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:207.80994px; bottom:762.61694px;\">31 dec<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:214.09674px; bottom:752.86694px;\">2021<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:246.13135px; bottom:762.61694px;\">31 dec<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:251.92676px; bottom:752.86694px;\">2022<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:284.82715px; bottom:762.61694px;\">31 dec<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:291.11395px; bottom:752.86694px;\">2021<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 hd_12 ff4_12 fs0_13 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:737.9319px;\">Skulder<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:720.78754px;\">In- och uppl\u00e5ning<span class=\"__13 _1016\"> </span>13<span class=\"__13 _bf_6\"> </span>11<span class=\"__13 _bc_5\"> </span>32<span class=\"__13 _cb_5\"> </span>1 113<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:705.85443px;\">Derivatinstrumen<span class=\"__13 _b_12\"/>t<span class=\"__13 _920\"> </span>3<span class=\"__13 _ce_6\"> </span>31<span class=\"__13 _da_5\"> </span>\u2013<span class=\"__13 _be_6\"> </span>2<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:690.9213px;\">\u00d6vriga skulder<span class=\"__13 _1018\"> </span>0<span class=\"__13 _968\"> </span>0<span class=\"__13 _da_5\"> </span>\u2013<span class=\"__13 _968\"> </span>0<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 hd_12 ff4_12 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:675.9882px;\">Summa skulder<span class=\"__13 _1019\"> </span>16<span class=\"__13 _1002\"> </span><span class=\"ls15_10 ws20_9\">42<span class=\"__13 _bc_5\"> </span></span>32<span class=\"__13 _f6_5\"> </span>1 115<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 hd_12 ff4_12 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:661.0551px;\">Poster ut<span class=\"__13 _898\"/>anf\u00f6r balansr<span class=\"__13 _b_12\"/>\u00e4kningen<span class=\"__13 _ea_6\"> </span>0<span class=\"__13 _d9_5\"> </span>0<span class=\"__13 _1020\"> </span>0<span class=\"__13 _968\"> </span>5<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:170.67038px; bottom:624.4583px;\">Intressef<span class=\"__13 _b_12\"/><span class=\"__13 _15e\">\u00f6retag1<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:237.52014px; bottom:634.2083px;\">\u00d6vriga n\u00e4rst\u00e5ende<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:258.79855px; bottom:624.4583px;\"><span class=\"__13 _15e\">parter2<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:610.5041px;\">Mn euro<span class=\"__13 _f0_6\"> </span>2022<span class=\"__13 _cd_5\"> </span>2021<span class=\"__13 _8d_5\"> </span>2022<span class=\"__13 _c9_6\"> </span>202<span class=\"__13 _15e\"> </span>1<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:595.56915px;\">R\u00e4ntenetto<span class=\"__13 _966\"> </span>1<span class=\"__13 _ba_6\"> </span>0<span class=\"__13 _6a_5\"> </span>0<span class=\"__13 _ce_6\"> </span><span class=\"ls5_12 wsc_12\">-<span class=\"__13 _15e\"> </span></span><span class=\"ls5_12 wsc_12\">4<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:580.63605px;\">A<span class=\"__13 _b_12\"/>vgifts- och provisionsnetto<span class=\"__13 _958\"> </span>2<span class=\"__13 _1002\"> </span>3<span class=\"__13 _6a_5\"> </span>0<span class=\"__13 _968\"> </span>0<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws21_9\" style=\"left:4.2144775px; bottom:565.70294px;\">Nettoresulta<span class=\"__13 _b_12\"/>t av poster till verkligt v\u00e4r<span class=\"__13 _b_12\"/>de<span class=\"__13 _1015\"> </span><span class=\"ls3_12 wsa_12\">-2<span class=\"__13 _c1_5\"> </span></span><span class=\"ws0_13\">1<span class=\"__13 _6a_5\"> </span>\u2013<span class=\"__13 _1003\"> </span><span class=\"ls4_12 wsb_12\">-<span class=\"__13 _15e\"> </span></span></span><span class=\"ws0_13\"><span class=\"ls4_12 wsb_12\">1<span class=\"__13 _15e\"> </span></span></span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:550.7699px;\">\u00d6vriga r\u00f6relsein<span class=\"__13 _b_12\"/>t\u00e4kter<span class=\"__13 _e2_5\"> </span>\u2013<span class=\"__13 _1011\"> </span>\u2013<span class=\"__13 _6a_5\"> </span>\u2013<span class=\"__13 _1020\"> </span>0<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:535.8368px;\">Summa r\u00f6relsekos<span class=\"__13 _b_12\"/>tnader<span class=\"__13 _969\"> </span>0<span class=\"__13 _ba_6\"> </span>0<span class=\"__13 _be_6\"> </span>\u2013<span class=\"__13 _1020\"> </span>0<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 hd_12 ff4_12 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:520.9037px;\">Resulta<span class=\"__13 _b_12\"/>t f\u00f6re kreditf\u00f6rl<span class=\"__13 _898\"/>uster<span class=\"__13 _e8_6\"> </span>1<span class=\"__13 _ba_6\"> </span>4<span class=\"__13 _6a_5\"> </span>0<span class=\"__13 _ce_6\"> </span>-<span class=\"__13 _15e\"> </span>5<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 hb_12 ff2_13 fs7_12 fc2_11 sc0_13 ls16_10 ws0_13\" style=\"left:4.2144775px; bottom:502.35608px;\">1) Informa<span class=\"__13 _898\"/>tion om intressef<span class=\"__13 _b_12\"/>\u00f6retag som ing\u00e5r i <span class=\"ws22_9\">Nordea</span>koncernen \ufb01nns i not K9.3 \u201d<span class=\"__13 _906\"/>Aktier och<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 hb_12 ff2_13 fs7_12 fc2_11 sc0_13 ls16_10 ws0_13\" style=\"left:14.38633px; bottom:493.51917px;\">andelar i intressef<span class=\"__13 _b_12\"/>\u00f6retag och joint ventures\u201d<span class=\"__13 _906\"/>.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 hb_12 ff2_13 fs7_12 fc2_11 sc0_13 ls16_10 ws0_13\" style=\"left:4.2144775px; bottom:481.9151px;\">2) H\u00e4r ing\u00e5r aktie\u00e4gare med betydande in<span class=\"__13 _b_12\"/>flytande (inklusive dessas dotterf\u00f6retag), n\u00e4r<span class=\"__13 _b_12\"/>a<span class=\"__13 _c_12\"/> </div><div class=\"t_13 m0_13 hb_12 ff2_13 fs7_12 fc2_11 sc0_13 ls16_10 ws0_13\" style=\"left:14.38633px; bottom:473.07822px;\">anh\u00f6riga till nyckelpersoner i ledande positioner i <span class=\"ws22_9\">Nordea</span>, bolag som k<span class=\"__13 _898\"/>ontrolleras eller<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 hb_12 ff2_13 fs7_12 fc2_11 sc0_13 ls16_10 ws0_13\" style=\"left:14.38633px; bottom:464.24136px;\">gemensamt kon<span class=\"__13 _898\"/>trolleras a<span class=\"__13 _898\"/>v nyckelpersoner i ledande positioner eller a<span class=\"__13 _b_12\"/>v n\u00e4ra anh\u00f6riga till<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 hb_12 ff2_13 fs7_12 fc2_11 sc0_13 ls16_10 ws23_9\" style=\"left:14.38633px; bottom:455.40448px;\">dessa nyckelpersoner<span class=\"__13 _b_12\"/>. \u00c4ven <span class=\"ws22_9\">Nordea<span class=\"ws0_13\">s pensionsstiftelser ing\u00e5r<span class=\"__13 _b_12\"/>. Sampo Abp hade betydand<span class=\"__13 _15e\"> </span></span></span><span class=\"ws22_9\"><span class=\"ws0_13\">e </span></span></div><div class=\"t_13 m0_13 hb_12 ff2_13 fs7_12 fc2_11 sc0_13 ls16_10 ws0_13\" style=\"left:14.38633px; bottom:446.5676px;\">inflytande \u00f6v<span class=\"__13 _b_12\"/>er <span class=\"ws22_9\">Nordea</span> 2021 men inte 2022. Skulder till Sampo Abp och dess dott<span class=\"__13 _b_12\"/>er<span class=\"__13 _c_12\"/>f\u00f6reta<span class=\"__13 _15e\"> </span>g </div><div class=\"t_13 m0_13 hb_12 ff2_13 fs7_12 fc2_11 sc0_13 ls16_10 ws0_13\" style=\"left:14.38633px; bottom:437.7307px;\">utg\u00f6rs huvudsakligen av inl\u00e5ning och l\u00e5ngsik<span class=\"__13 _898\"/>tiga placeringar i obligationer emitterade a<span class=\"__13 _b_12\"/>v<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 hb_12 ff2_13 fs7_12 fc2_11 sc0_13 ls16_10 ws22_9\" style=\"left:14.38633px; bottom:428.89383px;\">Nordea<span class=\"ws0_13\">. <span class=\"__13 _898\"/>T<span class=\"__13 _b_12\"/>ransaktionerna med Sampo Abp och dess do<span class=\"__13 _b_12\"/>tterf\u00f6retag innefattar ocks\u00e5 flera<span class=\"__13 _15e\"> </span></span><span class=\"ws0_13\"> </span></div><div class=\"t_13 m0_13 hb_12 ff2_13 fs7_12 fc2_11 sc0_13 ls16_10 ws0_13\" style=\"left:14.38633px; bottom:420.05695px;\">\u00f6ppna derivatkon<span class=\"__13 _b_12\"/>trakt.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:384.64508px;\">Alla transak<span class=\"__13 _898\"/>tioner med n\u00e4rst\u00e5ende g\u00f6rs enligt samma kriterier<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:371.11987px;\">och villkor som vid j\u00e4mf<span class=\"__13 _b_12\"/>\u00f6rbara transak<span class=\"__13 _898\"/>tioner med ext<span class=\"__13 _898\"/>erna par-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:357.59467px;\">ter i liknande st\u00e4llning, f<span class=\"__13 _b_12\"/>\u00f6rutom utl\u00e5ning till anst\u00e4llda s\u00e5<span class=\"__13 _898\"/>v\u00e4l<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:344.0695px;\">som vissa \u00f6vriga \u00e5taganden till n<span class=\"__13 _b_12\"/>yckelpersoner i ledande posi-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:330.54428px;\">tioner<span class=\"__13 _b_12\"/>, se not K8.4 \u201dErs\u00e4ttning till nyckelpersoner i ledande<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:317.01907px;\">positioner<span class=\"__13 _c_12\"/>\u201d och not K7<span class=\"__13 _906\"/>.<span class=\"__13 _b_12\"/>1 \u201dEven<span class=\"__13 _898\"/>tualf\u00f6rplik<span class=\"__13 _b_12\"/>telser<span class=\"__13 _c_12\"/>\u201d<span class=\"__13 _b_12\"/>.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:12.908623px; bottom:303.49387px;\">Inf<span class=\"__13 _b_12\"/>ormationen ovan presen<span class=\"__13 _b_12\"/>teras ur Nordeas perspektiv<span class=\"__13 _906\"/>, dvs.<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:289.9687px;\"><span class=\"__13 _15e\">den visar hur Nordeas siffror har p\u00e5</span><span class=\"__13 _b_12\"/>verkats a<span class=\"__13 _b_12\"/>v transaktioner<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:276.44348px;\">med n\u00e4rst\u00e5ende parter<span class=\"__13 _b_12\"/>.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:12.908623px; bottom:262.91827px;\">Nyckelpersoner i ledande positioner om<span class=\"__13 _898\"/>fa<span class=\"__13 _898\"/>ttar i Nordea:<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:249.39307px;\">\u2022 <span class=\"__13 _a3_5\"> </span>styrelsen<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:235.86789px;\">\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">koncernchef<span class=\"__13 _b_12\"/>en (vd)<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:222.34268px;\">\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">vice vd<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:208.81747px;\">\u2022 <span class=\"__13 _a3_5\"> </span>koncernledningen.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:181.75603px;\">Utl\u00e5ningen till nyckelpersoner i ledande positioner uppgick till<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:168.23083px;\">2 mn euro (3 mn euro<span class=\"__13 _898\"/>) och r\u00e4n<span class=\"__13 _898\"/>teint\u00e4k<span class=\"__13 _b_12\"/>terna p\u00e5 dessa l\u00e5n upp-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:154.70563px;\">gick till 0 mn euro (0 mn euro<span class=\"__13 _898\"/>). Inl\u00e5ning fr\u00e5n n<span class=\"__13 _898\"/>yckelpersoner i<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:141.18044px;\">ledande positioner uppgick till 7 mn euro (12 mn euro<span class=\"__13 _898\"/>) och r\u00e4n<span class=\"__13 _15e\"> </span>-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:127.65523px;\">tan p\u00e5 denna inl\u00e5ning uppgick till 0 mn euro (0 mn euro<span class=\"__13 _b_12\"/>). Kre-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:114.130035px;\">ditl\u00f6ften till ny<span class=\"__13 _b_12\"/>ckelpersoner i ledande positioner uppgick till<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:100.60483px;\"><span class=\"__13 _15e\">0 mn euro (0 mn euro</span><span class=\"__13 _898\"/>).<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:12.908623px; bottom:87.07963px;\">Nyckelpersoner i ledande positioner som \u00e4r ans<span class=\"__13 _898\"/>t\u00e4llda av<span class=\"__13 _15e\"> </span> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws12_12\" style=\"left:0.013267517px; bottom:73.55443px;\">Nordea<span class=\"ws0_13\"> erh\u00e5ller samma kreditvillkor s<span class=\"__13 _898\"/>om \u00f6vriga anst\u00e4llda. I Fin<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:0.013267517px; bottom:60.02923px;\">land motsvar<span class=\"__13 _b_12\"/>ar per<span class=\"__13 _c_12\"/>sonalr\u00e4n<span class=\"__13 _b_12\"/>tan <span class=\"ws12_12\">Nordea</span> Bank Abp:s inl\u00e5nings<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:0.013267517px; bottom:46.50403px;\">kostnad med en marginal p\u00e5 30 eller 40 punk<span class=\"__13 _b_12\"/>ter<span class=\"__13 _b_12\"/>, beroende p\u00e5<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:951.7421px;\">ref<span class=\"__13 _898\"/>erensr\u00e4n<span class=\"__13 _b_12\"/>tan. I Danmark \u00e4r personalr\u00e4ntan f<span class=\"__13 _b_12\"/>\u00f6r l\u00e5n r\u00f6rlig och<span class=\"__13 _c_12\"/> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:938.2169px;\">varierar mellan 1,95<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:421.92657px; bottom:938.12244px;\">\u2013<span class=\"fs5_12 lsa_12\">3,6 procen<span class=\"__13 _b_12\"/>t beroende p\u00e5 typ av bol\u00e5n. I </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:924.5972px;\">Norge var den r<span class=\"__13 _898\"/>\u00f6rliga personalr\u00e4nt<span class=\"__13 _898\"/>an 3,<span class=\"__13 _b_12\"/>11 procen<span class=\"__13 _898\"/>t den 31 decem<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:911.072px;\">ber 2022. Bostadsl\u00e5n till f<span class=\"__13 _b_12\"/>ast r\u00e4nta erbjuds till samma villkor s<span class=\"__13 _898\"/>om </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:897.5468px;\">f\u00f6r f<span class=\"__13 _b_12\"/>\u00f6rm\u00e5nskunder<span class=\"__13 _b_12\"/>. I Sverige \u00e4r personalr\u00e4n<span class=\"__13 _898\"/>tan p\u00e5 l\u00e5n med fas<span class=\"__13 _b_12\"/>t<span class=\"__13 _c_12\"/> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:884.0216px;\">eller r\u00f6rlig r\u00e4n<span class=\"__13 _b_12\"/>ta 215 punkter l\u00e4gre \u00e4n motsv<span class=\"__13 _b_12\"/>arande r\u00e4nta f<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws18_11\" style=\"left:327.9817px; bottom:870.4964px;\">ext<span class=\"__13 _898\"/>erna kunder (med en nedre gr<span class=\"__13 _b_12\"/>\u00e4ns p\u00e5 50 punkter och ett tak p\u00e5 </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:856.9712px;\">57 svenska prisbasbelopp<span class=\"__13 _b_12\"/>). L\u00e5n som \u00f6verstiger det fas<span class=\"__13 _b_12\"/>tst\u00e4llda </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:843.44604px;\">taket ges till samma villkor som f<span class=\"__13 _b_12\"/>\u00f6r vanliga kunder<span class=\"__13 _b_12\"/>. L\u00e5n till famil<span class=\"__13 _b_12\"/><span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:829.92084px;\">jemedlemmar till nyckelpersoner i ledande positioner<span class=\"__13 _906\"/>, som inte </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:816.3956px;\">lever i samma hush\u00e5ll, ges till normala marknadsvillkor<span class=\"__13 _906\"/>. Motsva<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:802.8704px;\">rande villkor g\u00e4ller \u00e4<span class=\"__13 _b_12\"/>ven f\u00f6r ny<span class=\"__13 _b_12\"/>ckelpersoner i ledande positioner<span class=\"__13 _c_12\"/> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:789.3452px;\">som ej \u00e4r anst\u00e4llda a<span class=\"__13 _b_12\"/>v <span class=\"ws12_12\">Nordea</span>. F\u00f6r mer in<span class=\"__13 _898\"/>forma<span class=\"__13 _898\"/>tion om transak<span class=\"__13 _b_12\"/><span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:775.82px;\">tioner med nyckelpersoner i ledande positioner<span class=\"__13 _906\"/>, se not K8.4 </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:762.2948px;\">\u201dErs\u00e4ttning till nyck<span class=\"__13 _898\"/>elpersoner i ledande positioner<span class=\"__13 _c_12\"/>\u201d<span class=\"__13 _b_12\"/>.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h8_12 ff3_12 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:986.27924px;\">K10.<span class=\"__13 _898\"/>4  T<span class=\"__13 _906\"/>ransaktioner med n\u00e4rst\u00e5ende, forts.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h5_12 ff1_13 fs3_12 fc0_13 sc0_13 ls0_13 ws14_12\" style=\"left:327.9817px; bottom:709.63257px;\">K10.5 Ref<span class=\"__13 _b_12\"/>erensr\u00e4n<span class=\"__13 _b_12\"/>teformen<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls13_10 ws24_9\" style=\"left:327.9817px; bottom:682.5744px;\">Ref<span class=\"__13 _b_12\"/>erensr\u00e4nter<span class=\"__13 _898\"/>eformen, eller IBOR<span class=\"__13 _b_12\"/>-reformen, \u00e4r en global ref<span class=\"__13 _b_12\"/>orm<span class=\"__13 _c_12\"/> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls13_10 ws0_13\" style=\"left:327.9817px; bottom:669.0492px;\">av in<span class=\"__13 _b_12\"/>terbankr\u00e4ntorna (IBOR), med s<span class=\"__13 _b_12\"/>tora konsekvenser f<span class=\"__13 _b_12\"/>\u00f6r \ufb01nans<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls13_10 ws0_13\" style=\"left:327.9817px; bottom:655.524px;\">sekt<span class=\"__13 _898\"/>orn. Den p\u00e5v<span class=\"__13 _b_12\"/>erkar en m\u00e4ngd olika \ufb01nansiella produkter och </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls13_10 ws0_13\" style=\"left:327.9817px; bottom:641.9988px;\">tj\u00e4nster och d\u00e4rmed \u00e4<span class=\"__13 _b_12\"/>ven individer<span class=\"__13 _b_12\"/>, f\u00f6retag och institut. Ref<span class=\"__13 _b_12\"/>or<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls13_10 ws0_13\" style=\"left:327.9817px; bottom:628.4736px;\">men p\u00e5v<span class=\"__13 _b_12\"/>erkar produkter<span class=\"__13 _b_12\"/>, marknadslikviditet, riskhantering, data<span class=\"__13 _b_12\"/>-<span class=\"__13 _c_12\"/> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls13_10 ws0_13\" style=\"left:327.9817px; bottom:614.9484px;\">och IT<span class=\"__13 _906\"/>-infrastruk<span class=\"__13 _b_12\"/>tur samt \ufb01nansiella rapporter<span class=\"__13 _b_12\"/>. Interbankr<span class=\"__13 _898\"/>\u00e4ntor </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls13_10 ws0_13\" style=\"left:327.9817px; bottom:601.4232px;\">anv\u00e4nds i m\u00e5nga olika \ufb01nansiella ins<span class=\"__13 _b_12\"/>trument, bland annat l\u00e5n, </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls13_10 ws0_13\" style=\"left:327.9817px; bottom:587.898px;\">hypoteksl\u00e5n, obliga<span class=\"__13 _b_12\"/>tioner, handelspr<span class=\"__13 _b_12\"/>odukter och derivatk<span class=\"__13 _b_12\"/>ontrakt.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:340.88367px; bottom:574.3728px;\">I mars 2021 meddelade brittiska \ufb01nansinspektionen (Finan-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:560.8476px;\">cial Conduct Authority<span class=\"__13 _b_12\"/>, FCA) och ICE Benchmark <span class=\"__13 _b_12\"/>Administra-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:547.3224px;\">tion (som sk\u00f6t<span class=\"__13 _898\"/>er administra<span class=\"__13 _b_12\"/>tionen kring LIBOR) att LIBOR-r\u00e4n-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:533.7972px;\">torna f\u00f6r brittisk<span class=\"__13 _898\"/>a pundet, euron, schweizerfranc<span class=\"__13 _b_12\"/>en och japan-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:520.272px;\">ska yenen, liksom den amerikanska dollarns LIBOR<span class=\"__13 _898\"/>-r\u00e4n<span class=\"__13 _898\"/>ta f\u00f6r </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:506.74683px;\"><span class=\"__13 _15e\">1 vecka och f</span><span class=\"__13 _b_12\"/>\u00f6r 2 m\u00e5nader, in<span class=\"__13 _b_12\"/>te l\u00e4ngre kommer att ber\u00e4knas </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:493.22162px;\">efter publiceringen den 31 december 2021. Den amerikanska </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:479.6964px;\">dollarns \u00f6vriga LIBOR-r<span class=\"__13 _898\"/>\u00e4ntor k<span class=\"__13 _b_12\"/>ommer inte l\u00e4ngre att ber\u00e4knas </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:466.1712px;\">efter publiceringen den 30 juni 2023.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:340.88367px; bottom:452.646px;\">Utfasningen a<span class=\"__13 _b_12\"/>v EONIA<span class=\"__13 _b_12\"/>- och LIBOR-r\u00e4ntor s<span class=\"__13 _898\"/>om skulle upp-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:439.1208px;\">h\u00f6ra att g\u00e4lla 2021 slutf<span class=\"__13 _b_12\"/>\u00f6rdes vid utg\u00e5ngen a<span class=\"__13 _898\"/>v 2021. Ref<span class=\"__13 _b_12\"/>ormer </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:425.5956px;\">f\u00f6r andr<span class=\"__13 _b_12\"/>a IBOR-r\u00e4ntor<span class=\"__13 _906\"/>, som exempel<span class=\"__13 _b_12\"/>vis EURIBOR och nordiska </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:412.0704px;\">IBOR-r\u00e4n<span class=\"__13 _b_12\"/>tor<span class=\"__13 _b_12\"/>, har redan genomf\u00f6rts. Publiceringen a<span class=\"__13 _b_12\"/>v dessa </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:398.5452px;\">r\u00e4n<span class=\"__13 _898\"/>tor v\u00e4n<span class=\"__13 _b_12\"/>tas forts\u00e4tta inom \u00f6versk\u00e5dlig tid.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:340.88367px; bottom:385.02px;\">Nordea startade under 2020 IBOR <span class=\"__13 _b_12\"/>T<span class=\"__13 _906\"/>ransition Programme, </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:371.4948px;\">som sponsras a<span class=\"__13 _b_12\"/>v CFO. S<span class=\"__13 _b_12\"/>y<span class=\"__13 _c_12\"/>ftet med progr<span class=\"__13 _b_12\"/>ammet \u00e4r att f\u00f6rbereda </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:357.9696px;\">och samordna koncernens arbet<span class=\"__13 _898\"/>e med att hant<span class=\"__13 _b_12\"/>era de operativa </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:344.4444px;\"><span class=\"__13 _15e\">effek</span><span class=\"__13 _b_12\"/>terna och \ufb01nansiella riskerna i samband med \u00f6verg\u00e5ngen </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:330.9192px;\">fr\u00e5n be\ufb01n<span class=\"__13 _b_12\"/>tliga interbankr\u00e4n<span class=\"__13 _b_12\"/>tor (IBOR) till alternativa n\u00e4st<span class=\"__13 _898\"/>an </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:317.394px;\">riskfria ref<span class=\"__13 _b_12\"/>erensr\u00e4ntor<span class=\"__13 _906\"/>. Efter utfasningen a<span class=\"__13 _b_12\"/>v EONIA<span class=\"__13 _b_12\"/>- och LIBOR-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:303.8688px;\">r\u00e4n<span class=\"__13 _898\"/>tor vid utg\u00e5ngen a<span class=\"__13 _b_12\"/>v 2021 avslutade Nordea detta pr<span class=\"__13 _898\"/>ogram. I </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:290.3436px;\"><span class=\"__13 _15e\">aff\u00e4rsomr</span><span class=\"__13 _b_12\"/>\u00e5dena p\u00e5g\u00e5r arbetet med att slutf\u00f6r<span class=\"__13 _898\"/>a de sista a<span class=\"__13 _b_12\"/>vtals-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:276.8184px;\">justeringarna och handlingsplaner \ufb01nns f<span class=\"__13 _b_12\"/>\u00f6r utfasningen av den </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:263.2932px;\">amerikanska dollarns \u00e5terst<span class=\"__13 _898\"/>\u00e5ende LIBOR-r\u00e4n<span class=\"__13 _b_12\"/>tor och relaterade </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:249.768px;\">r\u00e4n<span class=\"__13 _898\"/>tor som int<span class=\"__13 _b_12\"/>e l\u00e4ngre \ufb01nns kvar efter den sista juni 2023.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:340.88367px; bottom:236.2428px;\">Nordea har b\u00f6rjat till\u00e4mpa f<span class=\"__13 _b_12\"/>as 1- och fas 2-<span class=\"__13 _898\"/>\u00e4ndringarna i IAS </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:222.7176px;\">7 och IAS 39. Upplysningar om de \ufb01nansiella instrumen<span class=\"__13 _b_12\"/>t med </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:209.1924px;\">IBOR-r\u00e4n<span class=\"__13 _b_12\"/>tor som kommer att g\u00e5 \u00f6ver till n<span class=\"__13 _b_12\"/>ya referensr<span class=\"__13 _b_12\"/>\u00e4ntor </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:195.6672px;\">visas i tabellen nedan (enbart USD LIBOR).<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:515.6776px; bottom:166.93771px;\">Redovisat v<span class=\"__13 _b_12\"/>\u00e4rde<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:333.50943px; bottom:143.96672px;\">Mn euro<span class=\"__13 _11f_6\"> </span>Tillg\u00e5ngar<span class=\"__13 _cb_5\"> </span>Skulder<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:599.59784px; bottom:153.71672px;\">Nominellt </div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:609.9874px; bottom:143.96672px;\">belopp<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:333.50943px; bottom:129.77254px;\">Finansiella instrument som  </div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:333.50943px; bottom:118.72514px;\">inte \u00e4r deriv<span class=\"__13 _898\"/>at<span class=\"__13 _1021\"> </span>4 907<span class=\"__13 _968\"> </span>501<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:333.50943px; bottom:104.529144px;\">Derivatinstrumen<span class=\"__13 _b_12\"/>t<span class=\"__13 _1022\"> </span>336 864</div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:333.50943px; bottom:90.33314px;\">     <span class=\"__13 _936\"/>Anv\u00e4nds inte f<span class=\"__13 _b_12\"/>\u00f6r s\u00e4kringsredovisning<span class=\"__13 _1019\"> </span>310 924</div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:333.50943px; bottom:76.13714px;\">     <span class=\"__13 _936\"/>Anv\u00e4nds f\u00f6r s\u00e4kringsredo<span class=\"__13 _b_12\"/>visning<span class=\"__13 _1023\"> </span>25 940</div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws25_9\" style=\"left:333.50943px; bottom:61.94114px;\">    S\u00e4kring <span class=\"__13 _936\"/>av <span class=\"__13 _936\"/>verkligt <span class=\"__13 _936\"/>v\u00e4rde<span class=\"__13 _1024\"> </span><span class=\"ws0_13\">20 561</span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws25_9\" style=\"left:333.50943px; bottom:47.74514px;\">    Kassafl\u00f6dess\u00e4kringar<span class=\"__13 _1025\"> </span><span class=\"ws0_13\">5 379<span class=\"__13 _15e\"> </span></span></div>192<span class=\"__13 _15e\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__13 _15e\"> </span>Inledning<span class=\"__13 _897\"> </span><span class=\"__13 _15e\">Aff</span><span class=\"__13 _898\"/>\u00e4rsomr\u00e5den<span class=\"__13 _899\"/><span class=\"ws0_13\">V<span class=\"__13 _b_12\"/>\u00e5ra intressent<span class=\"__13 _898\"/>er<span class=\"__13 _900\"> </span><span class=\"ff1_13\">Finansiella rapporter<span class=\"__13 _901\"/><span class=\"ff2_13 ws2_12\">F\u00f6rvaltningsber<span class=\"__13 _898\"/>\u00e4ttelse<span class=\"__13 _902\"> </span>H\u00e5llbarhetsnoter<span class=\"__13 _903\"> </span>\u00d6vrigt<span class=\"__13 _904\"/><span class=\"ws0_13\">Strategisk r<span class=\"__13 _898\"/>apport<span class=\"__13 _15e\"> </span></span></span></span></span>K10.6 <span class=\"__13 _a_12\"> </span> <span class=\"__13 _950\"/>\u00d6v<span class=\"__13 _898\"/>erg\u00e5ngen till IFRS 17 F<span class=\"__13 _b_12\"/>\u00f6rs\u00e4kringsavtal<span class=\"__13 _15e\"> </span>IFRS 17 \u201dF<span class=\"__13 _898\"/>\u00f6rs\u00e4kringsavtal\u201d blir obliga<span class=\"__13 _b_12\"/>torisk den 1 januari 202<span class=\"__13 _c_12\"/>3 och har inte till\u00e4mpa<span class=\"__13 _b_12\"/>ts f\u00f6r redovisningen a<span class=\"__13 _b_12\"/>v 2022. Denna not f\u00f6rklar<span class=\"__13 _b_12\"/>ar de redovisningsprinciper som Nordea kommer att till<span class=\"__13 _898\"/>-<span class=\"__13 _15e\"> </span>l\u00e4mpa n\u00e4r IFRS 17 inf<span class=\"__13 _b_12\"/>\u00f6rs under 202<span class=\"__13 _c_12\"/><span class=\"__13 _15e\">3 och de \ufb01nansiella effek</span><span class=\"__13 _b_12\"/>-<span class=\"__13 _15e\"> </span>terna a<span class=\"__13 _898\"/>v \u00f6ver<span class=\"__13 _898\"/>g\u00e5ngen.<span class=\"__13 _15e\"> </span>Redovisningsprinciper<span class=\"__13 _15e\"> </span>IFRS 17 g\u00e4ller f<span class=\"__13 _898\"/>\u00f6r f\u00f6rs\u00e4kringsa<span class=\"__13 _b_12\"/>vtal, \u00e5terf\u00f6rs\u00e4kringsavtal och placeringsa<span class=\"__13 _898\"/>vtal med diskretion\u00e4r del. Ett f\u00f6rs\u00e4kringsa<span class=\"__13 _b_12\"/>vtal de\ufb01-<span class=\"__13 _15e\"> </span>nieras som \u201d<span class=\"__13 _906\"/>ett avtal enligt vilket en part (f\u00f6rs\u00e4kringsgiv<span class=\"__13 _898\"/>aren) accept<span class=\"__13 _898\"/>erar en betydande f<span class=\"__13 _b_12\"/>\u00f6rs\u00e4kringsrisk fr\u00e5n en annan part (f\u00f6rs\u00e4kringstagar<span class=\"__13 _b_12\"/>en) genom att g\u00e5 med p\u00e5 att kompensera f<span class=\"__13 _b_12\"/>\u00f6r-<span class=\"__13 _15e\"> </span>s\u00e4kringstagaren om en angiv<span class=\"__13 _b_12\"/>en oviss framtida h\u00e4ndelse (<span class=\"__13 _b_12\"/>den f\u00f6rs\u00e4krade h\u00e4ndels<span class=\"__13 _898\"/>en) har en negativ inv<span class=\"__13 _898\"/>erkan p\u00e5 f\u00f6rs\u00e4krings-<span class=\"__13 _15e\"> </span>tagaren\u201d<span class=\"__13 _906\"/>. A<span class=\"__13 _b_12\"/>vtal med diskretion\u00e4r del ger f\u00f6rs\u00e4krings<span class=\"__13 _898\"/>tagaren den kontr<span class=\"__13 _b_12\"/>aktsenliga r\u00e4ttighet<span class=\"__13 _898\"/>en att erh\u00e5lla, i till\u00e4gg till ett belopp som int<span class=\"__13 _898\"/>e ensidigt best\u00e4ms a<span class=\"__13 _b_12\"/>v f\u00f6rs\u00e4kringsgivaren, bety-<span class=\"__13 _15e\"> </span>dande ytterligare belopp d\u00e4r tidpunk<span class=\"__13 _b_12\"/>terna eller beloppen enligt avtal<span class=\"__13 _898\"/>et uteslutande bes<span class=\"__13 _b_12\"/>t\u00e4ms av Nordea och d\u00e4r a<span class=\"__13 _b_12\"/>vkast-<span class=\"__13 _15e\"> </span>ningen p\u00e5 inves<span class=\"__13 _b_12\"/>teringar \u00e4r kopplade till en speci\ufb01k portf\u00f6lj av tillg\u00e5ngar som innehas a<span class=\"__13 _898\"/>v Nordea. F<span class=\"__13 _898\"/>\u00f6rs\u00e4kringsavtal, \u00e5t<span class=\"__13 _898\"/>erf\u00f6r-<span class=\"__13 _15e\"> </span>s\u00e4kringsavtal och plac<span class=\"__13 _b_12\"/>eringsavtal med diskretion\u00e4r del kallas nedan  gemensamt f<span class=\"__13 _b_12\"/>\u00f6r \u201df\u00f6rs\u00e4kringsavt<span class=\"__13 _898\"/>al\u201d<span class=\"__13 _906\"/>. F\u00f6r Nor<span class=\"__13 _898\"/>dea innefa<span class=\"__13 _b_12\"/>ttar ing\u00e5ngna avtal som redovisas enligt <span class=\"__13 _15e\">IFRS 17:<span class=\"__13 _15e\"> </span></span>\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Pensionsplaner med eller utan gar<span class=\"__13 _b_12\"/>anterad a<span class=\"__13 _b_12\"/>vkastning, men </span>med \u00e5terb\u00e4ringsmedel  \u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Kombinerade f<span class=\"__13 _b_12\"/>\u00f6rs\u00e4krings- och pensionsplaner med bety<span class=\"ws0_13\">-<span class=\"__13 _15e\"> </span></span></span>dande tillkommande d\u00f6dsfallsrisk<span class=\"__13 _15e\"> </span>\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Sjuk- och ol<span class=\"__13 _b_12\"/>ycksfallsf\u00f6rs\u00e4kringar  </span>Ber\u00e4kningsenhet<span class=\"__13 _15e\"> </span>F\u00f6r de fles<span class=\"__13 _b_12\"/>ta avtal \u00e4r det det juridiska a<span class=\"__13 _b_12\"/>vtalet som ligger till grund f\u00f6r r<span class=\"__13 _898\"/>edovisningen. F<span class=\"__13 _b_12\"/>\u00f6r fondf\u00f6rs\u00e4kringar i Sverige s<span class=\"__13 _b_12\"/>epare-<span class=\"__13 _15e\"> </span>ras spar- och riskkomponen<span class=\"__13 _b_12\"/>terna, och spardelen redovisas <span class=\"__13 _15e\">enligt IFRS 9 och IFRS 15 medan riskkomponent</span><span class=\"__13 _898\"/>en redovisas enligt IFRS 17<span class=\"__13 _906\"/>. \u00c4<span class=\"__13 _b_12\"/>ven f\u00f6r tr<span class=\"__13 _898\"/>aditionella livf\u00f6rs\u00e4kringsa<span class=\"__13 _898\"/>vtal i Sve-<span class=\"__13 _15e\"> </span>rige redovisas spar- och riskkomponen<span class=\"__13 _b_12\"/>terna som olika avtal men b\u00e4gge delarna redovisas enligt IFRS 17<span class=\"__13 _906\"/>. F\u00f6rs\u00e4kring a<span class=\"__13 _b_12\"/>v d\u00f6dsfallsrisk och andr<span class=\"__13 _898\"/>a risker i de \ufb01nska a<span class=\"__13 _b_12\"/>vtalen betraktas som separat<span class=\"__13 _898\"/>a avtal i r<span class=\"__13 _b_12\"/>edovisningsh\u00e4nseende.<span class=\"__13 _15e\"> </span>Redovisning och bortbokning<span class=\"__13 _15e\"> </span>F\u00f6rs\u00e4kringsa<span class=\"__13 _b_12\"/>vtal redovisas fr\u00e5n det tidigar<span class=\"__13 _898\"/>e av:<span class=\"__13 _15e\"> </span>\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">B\u00f6rjan av f<span class=\"__13 _b_12\"/>\u00f6rs\u00e4kringsperioden f\u00f6r gruppen av a<span class=\"__13 _b_12\"/>vtal<span class=\"__13 _15e\"> </span></span>\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Den dag d\u00e5 den f\u00f6rsta pr<span class=\"__13 _b_12\"/>emien fr\u00e5n en f\u00f6rs\u00e4kringstagar<span class=\"__13 _b_12\"/>e i </span>gruppen f\u00f6rf<span class=\"__13 _898\"/>aller till betalning<span class=\"__13 _15e\"> </span>\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Tidpunkten d\u00e5 gruppen blir f<span class=\"__13 _b_12\"/>\u00f6rlusta<span class=\"__13 _898\"/>vtal (f\u00f6r en grupp a<span class=\"__13 _b_12\"/>v </span>f\u00f6rlus<span class=\"__13 _b_12\"/>tavtal).<span class=\"__13 _15e\"> </span>Placeringsa<span class=\"__13 _898\"/>vtal med diskretion\u00e4r del fr<span class=\"__13 _b_12\"/>\u00e5n den dag d\u00e5 f\u00f6retaget bli<span class=\"__13 _c_12\"/>r pa<span class=\"__13 _c_12\"/>rt <span class=\"__13 _c_12\"/>i avtal<span class=\"__13 _c_12\"/>et<span class=\"__13 _c_12\"/>. F\u00f6rs\u00e4kringsavtal bokas bort n\u00e4r de upph\u00f6r<span class=\"__13 _906\"/>,<span class=\"__13 _c_12\"/> vilket inneb\u00e4r n\u00e4r skyldigheten som anges i a<span class=\"__13 _b_12\"/>vtalet l\u00f6per ut eller fullg\u00f6rs eller upph\u00e4vs. F<span class=\"__13 _b_12\"/>\u00f6rs\u00e4kringsavtal bokas ocks\u00e5 bort n\u00e4r de \u00e4ndras v\u00e4sen<span class=\"__13 _b_12\"/>tligt<span class=\"__13 _c_12\"/>, varvid ett nytt a<span class=\"__13 _b_12\"/>vtal redovisas med nya villkor<span class=\"__13 _906\"/>.<span class=\"__13 _15e\"> </span>Allm\u00e4n v\u00e4rderingsmodell<span class=\"__13 _15e\"> </span>Den allm\u00e4nna v\u00e4rderingsmodellen an<span class=\"__13 _898\"/>v\u00e4nds f<span class=\"__13 _b_12\"/>\u00f6r en enskild risk-<span class=\"__13 _15e\"> </span>produkt i Nor<span class=\"__13 _b_12\"/>ge (kapitalf\u00f6rs\u00e4kringar) och olika risks\u00e4kringspro-<span class=\"__13 _15e\"> </span>dukter i Finland.<span class=\"__13 _15e\"> </span>F\u00f6rs\u00e4kringsa<span class=\"__13 _b_12\"/>vtal samlas i por<span class=\"__13 _c_12\"/>tf\u00f6ljer a<span class=\"__13 _b_12\"/>v f\u00f6rs\u00e4kringsa<span class=\"__13 _898\"/>vtal med liknande risker och f<span class=\"__13 _898\"/>\u00f6rvaltas tillsammans. F<span class=\"__13 _898\"/>\u00f6r varje portf\u00f6lj grup<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>peras ocks\u00e5 a<span class=\"__13 _b_12\"/>vtal som ing\u00e5tts under ett kalender\u00e5r tillsammans. F\u00f6r dessa grupper a<span class=\"__13 _b_12\"/>v avtal g\u00f6rs en ytterligare indelning i grupper av f<span class=\"__13 _b_12\"/>\u00f6rlustbringande och l\u00f6nsamma avt<span class=\"__13 _898\"/>al. Vid f\u00f6rsta redo<span class=\"__13 _b_12\"/>visnings<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>tillf\u00e4llet ber<span class=\"__13 _898\"/>\u00e4knas kassafl\u00f6den f<span class=\"__13 _b_12\"/>\u00f6r \u00e5taganden f\u00f6r alla grupper a<span class=\"__13 _b_12\"/>v<span class=\"__13 _c_12\"/> f\u00f6rs\u00e4kringsa<span class=\"__13 _b_12\"/>vtal<span class=\"__13 _c_12\"/>. F<span class=\"__13 _898\"/>\u00f6r grupper av a<span class=\"__13 _b_12\"/>vtal med positiva nettokassa<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>fl\u00f6den (l\u00f6nsamma avt<span class=\"__13 _898\"/>al) \u00e4r den avtals<span class=\"__13 _b_12\"/>enliga marginalen vid f\u00f6r<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>sta redo<span class=\"__13 _b_12\"/>visningstillf\u00e4llet samma belopp (men med omv\u00e4n<span class=\"__13 _b_12\"/>t v\u00e4rde) som det f\u00f6rv\u00e4n<span class=\"__13 _b_12\"/>tade positiva nettokassafl\u00f6det och redo<span class=\"__13 _b_12\"/>visas som<span class=\"__13 _c_12\"/> en f\u00f6rs\u00e4kringsskuld. Dett<span class=\"__13 _898\"/>a beror p\u00e5 att a<span class=\"__13 _b_12\"/>vtalens hela v\u00e4rde a<span class=\"__13 _898\"/>vser tj\u00e4nster som ska utf<span class=\"__13 _b_12\"/>\u00f6ras i fram<span class=\"__13 _b_12\"/> <span class=\"__13 _936\"/>tiden och d\u00e4rmed kommer intj\u00e4<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>ningen i fram<span class=\"__13 _b_12\"/>tiden. F\u00f6r grupper av a<span class=\"__13 _b_12\"/>vtal med negativa kassafl\u00f6<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>den f\u00f6r \u00e5<span class=\"__13 _898\"/>taganden (f\u00f6rl<span class=\"__13 _b_12\"/>ustbringande avtal) betrak<span class=\"__13 _b_12\"/>tas det nega<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>tiva beloppet som f<span class=\"__13 _b_12\"/>\u00f6rlustdelen i skulden f<span class=\"__13 _b_12\"/>\u00f6r \u00e5terst\u00e5ende f\u00f6rs\u00e4k<span class=\"__13 _b_12\"/><span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>ringsskydd och redovisas s<span class=\"__13 _898\"/>om en f\u00f6rl<span class=\"__13 _898\"/>ust i resul<span class=\"__13 _898\"/>tatr\u00e4kningen.<span class=\"__13 _15e\"> </span>Kassafl\u00f6den f<span class=\"__13 _b_12\"/>\u00f6r \u00e5taganden best\u00e5r a<span class=\"__13 _b_12\"/>v: \u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Objektiv<span class=\"__13 _898\"/>a och <span class=\"ws0_13\">Nordea</span>-speci\ufb01ka ber<span class=\"__13 _b_12\"/>\u00e4kningar av f\u00f6rv\u00e4n<span class=\"__13 _b_12\"/>tade </span>kassafl\u00f6den som uppst<span class=\"__13 _898\"/>\u00e5r n\u00e4r bolaget uppfyller a<span class=\"__13 _b_12\"/>vtalen. Ber\u00e4kningarna uppdat<span class=\"__13 _898\"/>eras varje balansdag.<span class=\"__13 _15e\"> </span>\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">En justering f<span class=\"__13 _b_12\"/>\u00f6r att spegla pengars tidsv\u00e4rde, dvs. diskont<span class=\"__13 _b_12\"/>er<span class=\"ws0_13\">-<span class=\"__13 _15e\"> </span></span></span><span class=\"__13 _15e\">ingseffek</span><span class=\"__13 _b_12\"/>ten. Denna omfa<span class=\"__13 _b_12\"/>ttar \u00e4ven de \ufb01nansiella riskerna i det fram<span class=\"__13 _b_12\"/>tida kassafl\u00f6det s\u00e5 att de \ufb01nansiella riskerna int<span class=\"__13 _b_12\"/>e speglas i ber\u00e4kningarna a<span class=\"__13 _b_12\"/>v det framtida kassafl\u00f6det.<span class=\"__13 _15e\"> </span>\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">En s\u00e4rskild riskjustering f<span class=\"__13 _898\"/>\u00f6r icke-\ufb01nansiell risk som speglar </span>den ers\u00e4ttning som bolaget kr\u00e4<span class=\"__13 _b_12\"/>ver f\u00f6r att b\u00e4r<span class=\"__13 _b_12\"/>a os\u00e4kerheten kring beloppet och tidpunkten f<span class=\"__13 _b_12\"/>\u00f6r kassafl\u00f6den som uppst\u00e5r fr\u00e5n ick<span class=\"__13 _898\"/>e-\ufb01nansiell risk.<span class=\"__13 _15e\"> </span>Under efterf\u00f6ljande perioder om<span class=\"__13 _898\"/>v\u00e4rder<span class=\"__13 _b_12\"/>as kassafl\u00f6den f\u00f6r \u00e5ta<span class=\"__13 _b_12\"/>-<span class=\"__13 _15e\"> </span>ganden vid varje balansdag med hj\u00e4lp a<span class=\"__13 _b_12\"/>v aktuella antaganden. Den avtals<span class=\"__13 _898\"/>enliga marginalen redo<span class=\"__13 _898\"/>visas i resulta<span class=\"__13 _b_12\"/>tr\u00e4kningen i den takt som tj\u00e4ns<span class=\"__13 _b_12\"/>terna utf\u00f6rs. Placeringsa<span class=\"__13 _898\"/>vtal med diskretio-<span class=\"__13 _15e\"> </span>n\u00e4r del redovisas n\u00e4r placerings<span class=\"__13 _b_12\"/>tj\u00e4nsterna utf\u00f6rs och \u00f6vriga avtal r<span class=\"__13 _b_12\"/>edovisas n\u00e4r tj\u00e4nsterna enligt f\u00f6rs\u00e4kringsa<span class=\"__13 _b_12\"/>vtalen utf\u00f6rs.<span class=\"__13 _15e\"> </span>R\u00f6rlig a<span class=\"__13 _b_12\"/>vgiftsmodell<span class=\"__13 _15e\"> </span>R\u00f6rlig a<span class=\"__13 _b_12\"/>vgiftsmodell anv\u00e4nds f<span class=\"__13 _898\"/>\u00f6r alla avtal med diskr<span class=\"__13 _b_12\"/>etion\u00e4r del. N\u00e4r avtalen ing\u00e5s redo<span class=\"__13 _b_12\"/>visas de p\u00e5 samma s\u00e4tt som de enligt den allm\u00e4nna v\u00e4rderingsmodellen. Nor<span class=\"__13 _898\"/>dea tillhandah\u00e5l-<span class=\"__13 _15e\"> </span>ler placerings- och f<span class=\"__13 _898\"/>\u00f6rs\u00e4kringstj\u00e4nster och f<span class=\"__13 _b_12\"/>\u00e5r er<span class=\"__13 _c_12\"/>s\u00e4ttning f<span class=\"__13 _b_12\"/>\u00f6r tj\u00e4nsterna genom en a<span class=\"__13 _b_12\"/>vgift som fasts<span class=\"__13 _b_12\"/>t\u00e4lls med h\u00e4nvisning till de underliggande tillg\u00e5ngarna. Den avt<span class=\"__13 _898\"/>alsenliga marginalen juster<span class=\"__13 _898\"/>as efter f<span class=\"__13 _898\"/>\u00f6rsta redovisnings<span class=\"__13 _b_12\"/>tillf\u00e4llet, genom att \u00e4ndringar i Nordeas andel a<span class=\"__13 _b_12\"/>v de underliggande tillg\u00e5ngarnas verkliga v\u00e4rde, \u00e4<span class=\"__13 _b_12\"/>ven justerar sk<span class=\"__13 _b_12\"/>uldens avtalsenliga marginal. Den juste-<span class=\"__13 _15e\"> </span>rade a<span class=\"__13 _b_12\"/>vtalsenliga marginalen ligger till grund f\u00f6r den fr<span class=\"__13 _b_12\"/>amtida redovisningen i re<span class=\"__13 _898\"/>sultatr<span class=\"__13 _b_12\"/>\u00e4kningen. Premieallokeringsmodell<span class=\"__13 _15e\"> </span>Premieallokeringsmodellen anv<span class=\"__13 _b_12\"/>\u00e4nds f\u00f6r kortfristiga a<span class=\"__13 _b_12\"/>vtal (med en f\u00f6rs\u00e4kringsperiod p\u00e5 mindre \u00e4n ett \u00e5r) som v<span class=\"__13 _b_12\"/>anligen avser sjuk- och in<span class=\"__13 _898\"/>validitetsrisker<span class=\"__13 _906\"/>. I Finland anv\u00e4nds dock den allm\u00e4n-<span class=\"__13 _15e\"> </span>na v\u00e4rderingsmodellen f<span class=\"__13 _b_12\"/>\u00f6r att ber\u00e4kna vissa s\u00e5dana a<span class=\"__13 _898\"/>vtal. Skulden best<span class=\"__13 _898\"/>\u00e5r av tv<span class=\"__13 _b_12\"/>\u00e5 delar:<span class=\"__13 _15e\"> </span>\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Skuld f<span class=\"__13 _b_12\"/>\u00f6r \u00e5terst\u00e5ende f\u00f6rs\u00e4kringsskydd<span class=\"__13 _15e\"> </span></span>\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Skuld f<span class=\"__13 _b_12\"/><span class=\"__13 _15e\">\u00f6r intr\u00e4ff</span><span class=\"__13 _898\"/>ade skador<span class=\"__13 _b_12\"/>.<span class=\"__13 _15e\"> </span></span>Skulden f<span class=\"__13 _b_12\"/>\u00f6r \u00e5terst\u00e5ende f\u00f6rs\u00e4kringsskydd ber<span class=\"__13 _898\"/>\u00e4knas som erh\u00e5ll<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>na men \u00e4nnu ej intj\u00e4nade premier<span class=\"__13 _906\"/>, och redovisas i periodens resulta<span class=\"__13 _b_12\"/>tr\u00e4kning baserat p\u00e5 de f<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>v\u00e4nt<span class=\"__13 _898\"/>ade premierna i f<span class=\"__13 _898\"/>\u00f6rh\u00e5llan<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>de till f\u00f6rfluten tid. Sk<span class=\"__13 _b_12\"/>uld f\u00f6r intr\u00e4<span class=\"__13 _b_12\"/><span class=\"__13 _15e\">ffade skador ber\u00e4knas p\u00e5 </span>samma s\u00e4tt som enligt den allm\u00e4nna v\u00e4r<span class=\"__13 _b_12\"/>deringsmodellen.<span class=\"__13 _15e\"> </span>Redovisning i r<span class=\"__13 _b_12\"/>esultatr\u00e4kningen<span class=\"__13 _15e\"> </span>Int\u00e4k<span class=\"__13 _b_12\"/>ter och kostnader fr\u00e5n f<span class=\"__13 _b_12\"/>\u00f6rs\u00e4kringsavtal redovisas under \u201dF\u00f6rs\u00e4kringsresul<span class=\"__13 _b_12\"/>tat<span class=\"__13 _c_12\"/>\u201d i resulta<span class=\"__13 _898\"/>tr\u00e4kningen. In<span class=\"__13 _898\"/>t\u00e4kt<span class=\"__13 _898\"/>erna fr\u00e5n de tillg\u00e5ngar som \u00e4r knutna till skulderna till f<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>s\u00e4kringstagar<span class=\"__13 _898\"/>e redovisas ocks\u00e5 separ<span class=\"__13 _b_12\"/>at under \u201d<span class=\"__13 _906\"/>Avk<span class=\"__13 _898\"/>astning p\u00e5 tillg\u00e5ngar som \u00e4r knutna till skulder till f<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>s\u00e4kringstagare\u201d i r<span class=\"__13 _b_12\"/>esultatr\u00e4kningen. Det \ufb01nns ocks\u00e5 en delsumma f\u00f6r dessa tv<span class=\"__13 _b_12\"/>\u00e5 poster eftersom avkas<span class=\"__13 _b_12\"/>tningen p\u00e5 tillg\u00e5ngarna p\u00e5verkar f<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>s\u00e4kringsresult<span class=\"__13 _898\"/>atet, med \u201dF\u00f6rs\u00e4kringsresul<span class=\"__13 _b_12\"/>tat<span class=\"__13 _c_12\"/>, netto\u201d som det rele<span class=\"__13 _898\"/>van<span class=\"__13 _898\"/>ta m\u00e5ttet p\u00e5 f\u00f6rs\u00e4kringsa<span class=\"__13 _b_12\"/>vtalens resultat. F\u00f6rs\u00e4kringsresul<span class=\"__13 _898\"/>tatet kan delas in i tre delar<span class=\"__13 _b_12\"/>, som ocks\u00e5 redovisas i no<span class=\"__13 _898\"/>terna:<span class=\"__13 _15e\"> </span><div class=\"t_13 m0_13 h1_13 ff1_13 fs0_13 fc0_13 sc0_13 ls0_13 ws0_13\" style=\"left:656.34534px; bottom:2.1012287px;\">193<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h2_13 ff2_13 fs1_12 fc0_13 sc0_13 ls0_13 ws1_13\" style=\"left:497.5244px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h3_12 ff2_13 fs1_12 fc0_13 sc0_13 ls1_13 ws2_12\" style=\"left:4.2144775px; bottom:1029.1447px;\">Inledning<span class=\"__13 _897\"> </span><span class=\"__13 _15e\">Aff</span><span class=\"__13 _898\"/>\u00e4rsomr\u00e5den<span class=\"__13 _899\"/><span class=\"ws0_13\">V<span class=\"__13 _b_12\"/>\u00e5ra intressent<span class=\"__13 _898\"/>er<span class=\"__13 _900\"> </span><span class=\"ff1_13\">Finansiella rapporter<span class=\"__13 _901\"/><span class=\"ff2_13 ws2_12\">F\u00f6rvaltningsber<span class=\"__13 _898\"/>\u00e4ttelse<span class=\"__13 _902\"> </span>H\u00e5llbarhetsnoter<span class=\"__13 _903\"> </span>\u00d6vrigt<span class=\"__13 _904\"/><span class=\"ws0_13\">Strategisk r<span class=\"__13 _898\"/>apport<span class=\"__13 _15e\"> </span></span></span></span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsb_12 ws13_12\" style=\"left:0.013267517px; bottom:951.6515px;\">\u2022 <span class=\"__13 _a3_5\"/><span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">F\u00f6rs\u00e4kringsint\u00e4k<span class=\"__13 _b_12\"/>ter<span class=\"__13 _b_12\"/>, som utg\u00f6rs av tillhandah\u00e5llna tj\u00e4nster </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsb_12 ws11_12\" style=\"left:12.908623px; bottom:938.12634px;\">enligt f\u00f6rs\u00e4kringsa<span class=\"__13 _b_12\"/>vtal till ett belopp som speglar den ers\u00e4ttning<span class=\"__13 _c_12\"/> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsb_12 ws11_12\" style=\"left:12.908623px; bottom:924.60114px;\">som bolaget r\u00e4knar med att ha r<span class=\"__13 _b_12\"/>\u00e4tt till f\u00f6r dessa tj\u00e4nst<span class=\"__13 _898\"/>er<span class=\"__13 _b_12\"/>.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:911.0759px;\">\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Kostnader f<span class=\"__13 _b_12\"/>\u00f6r f\u00f6rs\u00e4kringstj\u00e4nst<span class=\"__13 _898\"/>er<span class=\"__13 _b_12\"/>, som innefatt<span class=\"__13 _898\"/>ar f\u00f6rs\u00e4krings<span class=\"ws0_13\">-<span class=\"__13 _15e\"> </span></span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws11_12\" style=\"left:12.908623px; bottom:897.5507px;\">ers\u00e4ttningar<span class=\"__13 _b_12\"/>, f\u00f6rv\u00e4rvskostnader och andr<span class=\"__13 _898\"/>a r\u00f6relsekos<span class=\"__13 _b_12\"/>tnader </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws11_12\" style=\"left:12.908623px; bottom:884.0255px;\">avseende f<span class=\"__13 _b_12\"/>\u00f6rs\u00e4kringsavtal.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:870.5003px;\">\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Finansiella int\u00e4k<span class=\"__13 _b_12\"/>ter eller kostnader fr\u00e5n f<span class=\"__13 _b_12\"/>\u00f6rs\u00e4kringsavtal, som </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws11_12\" style=\"left:12.908623px; bottom:856.9751px;\">innefa<span class=\"__13 _898\"/>ttar f\u00f6r<span class=\"__13 _b_12\"/>\u00e4ndringar i diskonteringsr\u00e4n<span class=\"__13 _b_12\"/>tor<span class=\"__13 _b_12\"/>, avveckling a<span class=\"__13 _b_12\"/>v </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws11_12\" style=\"left:12.908623px; bottom:843.4499px;\">diskont<span class=\"__13 _898\"/><span class=\"__13 _15e\">eringseff</span><span class=\"__13 _898\"/>ekten och a<span class=\"__13 _b_12\"/>vveckling av riskjus<span class=\"__13 _b_12\"/>teringen. </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws11_12\" style=\"left:12.908623px; bottom:829.92474px;\">Post<span class=\"__13 _b_12\"/>en innefattar \u00e4<span class=\"__13 _b_12\"/>ven f\u00f6r\u00e4ndringar i skulder till f<span class=\"__13 _b_12\"/>\u00f6rs\u00e4kring<span class=\"ws0_13\">-<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws11_12\" style=\"left:12.908623px; bottom:816.39954px;\">stagare enligt den r<span class=\"__13 _898\"/>\u00f6rliga av<span class=\"__13 _b_12\"/>giftsmodellen till f\u00f6ljd av f<span class=\"__13 _b_12\"/>\u00f6r\u00e4n<span class=\"ws0_13\">-<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws11_12\" style=\"left:12.908623px; bottom:802.8743px;\">dringar i motsvar<span class=\"__13 _b_12\"/>ande tillg\u00e5ngar.  </div><div class=\"t_13 m0_13 h6_12 ff1_13 fs4_12 fc1_12 sc0_13 ls0_13 ws0_13\" style=\"left:7.383362px; bottom:762.2467px;\">Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__13 _b_12\"/>ttningar<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:737.6624px;\">Vid v\u00e4rderingen a<span class=\"__13 _b_12\"/>v f\u00f6rs\u00e4kringsskulder anv<span class=\"__13 _898\"/>\u00e4nds b\u00e5de \ufb01nansiel-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:724.1372px;\">la och aktuariella uppska<span class=\"__13 _b_12\"/>ttningar och antaganden. Ett viktigt </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:710.612px;\">\ufb01nansiellt ant<span class=\"__13 _898\"/>agande \u00e4r den r\u00e4nt<span class=\"__13 _b_12\"/>a som anv\u00e4nds f\u00f6r a<span class=\"__13 _898\"/>tt diskon-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:697.0868px;\">tera fr<span class=\"__13 _b_12\"/>amtida kassafl\u00f6den. Viktiga ak<span class=\"__13 _b_12\"/>tuariella antaganden \u00e4r de </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:683.56165px;\">om d\u00f6dlighet och invaliditet, som p\u00e5<span class=\"__13 _b_12\"/>verkar storleken p\u00e5 och </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:670.03644px;\">tidpunkten f<span class=\"__13 _b_12\"/>\u00f6r de framtida k<span class=\"__13 _898\"/>assafl\u00f6dena. \u00c4<span class=\"__13 _906\"/>ven antaganden om </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:656.5112px;\">fram<span class=\"__13 _b_12\"/>tida f\u00f6rvaltnings- och skattek<span class=\"__13 _b_12\"/>ostnader p\u00e5verkar ber<span class=\"__13 _b_12\"/>\u00e4k-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:642.986px;\">ningen av sk<span class=\"__13 _b_12\"/>ulder till f\u00f6rs\u00e4kringstagare<span class=\"__13 _15e\"> </span>.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h6_12 ff1_13 fs4_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:588.84503px;\">\u00d6verg\u00e5ngen till IFRS 1<span class=\"__13 _898\"/>7  </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:575.316px;\">Nordea har anv<span class=\"__13 _898\"/>\u00e4nt alla tre \u00f6<span class=\"__13 _b_12\"/>verg\u00e5ngsmetoder:<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:561.7908px;\">\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Den helt retrospek<span class=\"__13 _b_12\"/>tiva metoden<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:548.26556px;\">\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Den modi\ufb01erade retr<span class=\"__13 _898\"/>ospektiv<span class=\"__13 _898\"/>a metoden<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:534.74036px;\">\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">V<span class=\"__13 _b_12\"/>erkligt v\u00e4rde-metoden.<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:507.6789px;\">T<span class=\"__13 _906\"/>abellen nedan visar att verkligt v\u00e4rde-met<span class=\"__13 _b_12\"/>oden har anv\u00e4nts </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:494.1537px;\">f\u00f6r 91 pr<span class=\"__13 _898\"/>ocent a<span class=\"__13 _b_12\"/>v f\u00f6rs\u00e4kringsavt<span class=\"__13 _898\"/>alen (baserat p\u00e5 r<span class=\"__13 _b_12\"/>edovisade </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:480.6285px;\">v\u00e4rden). E<span class=\"__13 _898\"/><span class=\"__13 _15e\">ffek</span><span class=\"__13 _b_12\"/>ten fr\u00e5n andra \u00f6<span class=\"__13 _898\"/>verg\u00e5ngsmetoder \u00e4r obety<span class=\"__13 _b_12\"/>dlig.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 hf_12 ff2_13 fs4_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:453.55405px;\">V<span class=\"__13 _b_12\"/>erkligt v\u00e4rde-metoden<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:440.02496px;\">Med den h\u00e4r metoden fas<span class=\"__13 _b_12\"/>tst\u00e4ller ett bolag den avtalsenliga </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:426.49976px;\">marginalen eller f<span class=\"__13 _898\"/>\u00f6rlustdelen p\u00e5 \u00f6<span class=\"__13 _b_12\"/>verg\u00e5ngsdagen f\u00f6r en grupp </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:951.651px;\">av a<span class=\"__13 _b_12\"/>vtal baserat p\u00e5 skillnaden mellan gruppens verkliga v<span class=\"__13 _b_12\"/>\u00e4rde </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:938.1258px;\">och gruppens kassafl\u00f6den f<span class=\"__13 _b_12\"/>\u00f6r \u00e5taganden. Det verkliga v\u00e4rdet </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:924.6006px;\">fas<span class=\"__13 _898\"/>tst\u00e4lls med hj\u00e4lp a<span class=\"__13 _b_12\"/>v kraven i IFRS 13, vilk<span class=\"__13 _898\"/>et inneb\u00e4r \u201d<span class=\"__13 _b_12\"/>det pris </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:911.0754px;\">som skulle betalas vid \u00f6<span class=\"__13 _898\"/>verl\u00e5tels<span class=\"__13 _898\"/>e av en sk<span class=\"__13 _b_12\"/>uld i en ordnad </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:897.5502px;\">transak<span class=\"__13 _898\"/>tion mellan marknadsakt\u00f6r<span class=\"__13 _b_12\"/>er p\u00e5 v\u00e4rderingsdagen\u201d<span class=\"__13 _906\"/>. </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:340.88367px; bottom:884.025px;\">Vid ber\u00e4kningen a<span class=\"__13 _b_12\"/>v verkligt v\u00e4rde har Nordea gjort antagan-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:870.4998px;\">det att motparten \u00e4r ett bolag som regl<span class=\"__13 _898\"/>eras enligt Solv<span class=\"__13 _b_12\"/>ens II </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:856.9746px;\">och som skulle kr\u00e4<span class=\"__13 _b_12\"/>va ett belopp motsvar<span class=\"__13 _b_12\"/>ande det verkliga v\u00e4r-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:843.4494px;\">det f\u00f6r a<span class=\"__13 _898\"/>tt \u00f6verta skulderna. V<span class=\"__13 _906\"/>erkligt v\u00e4rde motsvaras a<span class=\"__13 _b_12\"/>v b\u00e4sta </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:829.9242px;\">skattning a<span class=\"__13 _b_12\"/>v skulder plus en marginal som speglar kostnaden </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:816.399px;\">f\u00f6r a<span class=\"__13 _898\"/>tt h\u00e5lla tillr\u00e4ckligt med kapital f<span class=\"__13 _b_12\"/><span class=\"__13 _15e\">\u00f6r att st\u00f6dja aff</span><span class=\"__13 _b_12\"/>\u00e4ren tills full </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:802.8738px;\">utbetalning har skett. </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:340.88367px; bottom:789.3486px;\">B\u00e4sta skattning a<span class=\"__13 _b_12\"/>v skulder ber\u00e4knas genom diskon<span class=\"__13 _b_12\"/>tering av </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:775.8234px;\">portf\u00f6ljens fr<span class=\"__13 _898\"/>amtida nettokassa<span class=\"__13 _b_12\"/>fl\u00f6den med en riskfri diskonte-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:762.2982px;\">ringsr\u00e4n<span class=\"__13 _898\"/>ta. De antaganden och met<span class=\"__13 _898\"/>oder som anv\u00e4nds f<span class=\"__13 _b_12\"/>\u00f6r att </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:748.773px;\">h\u00e4rleda b\u00e4sta ska<span class=\"__13 _898\"/>ttning av sk<span class=\"__13 _b_12\"/>ulder \u00e4r desamma som f\u00f6r ber\u00e4k<span class=\"__13 _b_12\"/>-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:735.2478px;\">ningar enligt Solvens II, f<span class=\"__13 _b_12\"/>\u00f6rutom att gr\u00e4nsen f<span class=\"__13 _b_12\"/>\u00f6r avtalet f\u00f6ljer </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:721.7226px;\">IFRS 17 snarar<span class=\"__13 _898\"/>e \u00e4n Solvens II.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 hf_12 ff2_13 fs4_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:694.5985px;\">Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:681.0694px;\">Ber\u00e4kningen a<span class=\"__13 _b_12\"/>v f\u00f6rs\u00e4kringsskulders verkliga v\u00e4rde b<span class=\"__13 _b_12\"/>ygger till<span class=\"__13 _c_12\"/> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:667.5442px;\">stor del p\u00e5 b\u00e5de \ufb01nansiella och ak<span class=\"__13 _b_12\"/>tuariella uppskattningar och </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:654.019px;\">antaganden d\u00e4r det \ufb01nns os\u00e4k<span class=\"__13 _898\"/>erhet i uppskattningarna. <span class=\"ws12_12\">Nordea</span><span class=\"ls0_13\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:640.4938px;\">har gjort en kritisk bed\u00f6mning av huvudmarknaden eftersom </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:626.96857px;\">syftet med det verkliga v\u00e4rdet \u00e4r a<span class=\"__13 _b_12\"/>tt uppskatta storleken p\u00e5 det </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:613.44336px;\">belopp som en marknadsakt<span class=\"__13 _898\"/>\u00f6r skulle kr\u00e4<span class=\"__13 _b_12\"/>va f\u00f6r a<span class=\"__13 _b_12\"/>tt \u00f6verta skul<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:599.9182px;\">derna, och i relation till rel<span class=\"__13 _898\"/>evan<span class=\"__13 _b_12\"/>ta avkastningskra<span class=\"__13 _b_12\"/>v p\u00e5 marknaden. </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws12_12\" style=\"left:327.9817px; bottom:586.393px;\">Nordea<span class=\"ws0_13\">s kritiska bed\u00f6mning \u00e4r att huvudmarknaden bes<span class=\"__13 _b_12\"/>t\u00e5r av </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:572.8678px;\">nordiska ak<span class=\"__13 _898\"/>t\u00f6rer inom bank och f<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>s\u00e4kring, att en a<span class=\"__13 _b_12\"/>vkastning </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:559.3426px;\">motsvar<span class=\"__13 _b_12\"/>ande en kapitalkostnad p\u00e5 9,5 procen<span class=\"__13 _898\"/>t efter skatt sk<span class=\"__13 _b_12\"/>ulle<span class=\"__13 _c_12\"/> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:545.8174px;\">kr\u00e4<span class=\"__13 _b_12\"/>vas och att marknadsakt\u00f6r<span class=\"__13 _b_12\"/>erna skulle r\u00e4kna med ett m\u00e5l f\u00f6r </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:532.2922px;\">solvenskv<span class=\"__13 _b_12\"/><span class=\"__13 _15e\">oten enligt Solvens II p\u00e5 150 proc</span><span class=\"__13 _b_12\"/>ent p\u00e5 \u00f6verg\u00e5ngsda<span class=\"__13 _b_12\"/><span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:518.76697px;\">gen. Minskningen av eget kapit<span class=\"__13 _898\"/>al, baserat p\u00e5 dessa an<span class=\"__13 _b_12\"/>taganden,<span class=\"__13 _c_12\"/> </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 lsa_12 ws0_13\" style=\"left:327.9817px; bottom:505.24176px;\">uppgick till 573 mn euro p\u00e5 \u00f6verg\u00e5ngs<span class=\"__13 _898\"/>dagen den 1 januari 2022. </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:340.88367px; bottom:491.7166px;\">Beskrivningen ovan g\u00e4ller f<span class=\"__13 _b_12\"/>\u00f6r de f\u00f6rs\u00e4kringsavtal s<span class=\"__13 _898\"/>om inne-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:478.19138px;\">hades av Nor<span class=\"__13 _b_12\"/>dea vid \u00f6verg\u00e5ngen den 1 januari 2022. F\u00f6rs\u00e4k<span class=\"__13 _b_12\"/>-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:464.6662px;\">ringsavtal i <span class=\"__13 _906\"/>T<span class=\"__13 _906\"/>opdanmark Life har d\u00e4rf\u00f6r in<span class=\"__13 _898\"/>te p\u00e5<span class=\"__13 _b_12\"/>verkat Nordeas </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:451.141px;\">\u00f6verg\u00e5ng till IFRS 1<span class=\"__13 _b_12\"/>7<span class=\"__13 _b_12\"/>. F\u00f6rs\u00e4kringsavtal i <span class=\"__13 _b_12\"/>T<span class=\"__13 _906\"/>opdanmark Lif<span class=\"__13 _898\"/>e redo-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:437.61578px;\">visas till verkligt v\u00e4r<span class=\"__13 _898\"/>de p\u00e5 f\u00f6rv\u00e4rvsdagen den 1 december 2022, </div><div class=\"t_13 m0_13 h7_12 ff2_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:327.9817px; bottom:424.09058px;\">vilket beskrivs i not K9.6 \u201dF<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>v\u00e4rv\u201d<span class=\"__13 _906\"/>.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h8_12 ff3_12 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:986.27924px;\">K10.6  \u00d6verg\u00e5ngen till IFRS 17 F\u00f6rs\u00e4kringsavtal, forts.<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 hc_12 ff1_13 fs5_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:0.013267517px; bottom:395.21045px;\">Balansr\u00e4kning<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:370.40045px;\">Mn euro</div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:430.76373px; bottom:380.15045px;\"> 31 dec 2021 <span class=\"__13 _d1_5\"/> </div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:427.0899px; bottom:370.40045px;\">enligt IFRS 4<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:495.9093px; bottom:380.15045px;\">P\u00e5<span class=\"__13 _898\"/>verkan fr\u00e5n </div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:521.1735px; bottom:370.40045px;\">IFRS 17</div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:583.8231px; bottom:380.15045px;\"> 1 jan 2022 <span class=\"__13 _d1_5\"/> </div><div class=\"t_13 m0_13 h9_12 ff1_13 fs6_12 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:571.1562px; bottom:370.40045px;\">enligt IFRS 17<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 hd_12 ff4_12 fs0_13 fc3_9 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:355.83682px;\">Tillg\u00e5ngar<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:341.27682px;\">Kassa och tillgodoha<span class=\"__13 _b_12\"/>vanden hos centralbanker <span class=\"__13 _1026\"> </span><span class=\"ff5_8\">47 495<span class=\"__13 _1c_9\"> </span></span>\u2013<span class=\"__13 _948\"> </span><span class=\"ff5_8\">47 495<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:326.71683px;\">Utl\u00e5ning till centr<span class=\"__13 _898\"/>albanker<span class=\"__13 _12a_3\"> </span><span class=\"ff5_8\">409<span class=\"__13 _1c_9\"> </span></span>\u2013<span class=\"__13 _7e_5\"> </span><span class=\"ff5_8\">409<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:312.15683px;\">Utl\u00e5ning till kreditinstitut  <span class=\"__13 _12b_3\"> </span><span class=\"ff5_8\">1 983<span class=\"__13 _12c_3\"> </span>8<span class=\"__13 _932\"> </span>1 991<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:297.59683px;\">Utl\u00e5ning till allm\u00e4nheten  <span class=\"__13 _12d_3\"> </span><span class=\"ff5_8\">345 050<span class=\"__13 _1c_9\"> </span></span>\u2013<span class=\"__13 _4c_5\"> </span><span class=\"ff5_8\">345 050<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:283.0368px;\">R\u00e4nteb\u00e4r<span class=\"__13 _898\"/><span class=\"__13 _15e\">ande v\u00e4rdepapper1 </span><span class=\"__13 _12e_3\"> </span><span class=\"ff5_8\">63 383<span class=\"__13 _6c_5\"> </span>113<span class=\"__13 _942\"> </span>63 496<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:268.4768px;\">Pan<span class=\"__13 _898\"/>tsatta \ufb01nansiella instrumen<span class=\"__13 _b_12\"/>t<span class=\"__13 _12f_3\"> </span><span class=\"ff5_8\">1 668<span class=\"__13 _1c_9\"> </span></span>\u2013<span class=\"__13 _980\"> </span><span class=\"ff5_8\">1 668<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:253.91681px;\">Aktier och andelar<span class=\"__13 _979\"> </span><span class=\"ff5_8\">15 217<span class=\"__13 _ea_6\"> </span>-1 995<span class=\"__13 _ea_6\"> </span>13 222<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:239.35681px;\">Tillg\u00e5ngar i placeringsportf\u00f6ljer och f<span class=\"__13 _898\"/>ondf\u00f6rs\u00e4kringsa<span class=\"__13 _b_12\"/>vtal<span class=\"__13 _b6_6\"> </span><span class=\"ff5_8\">46 912<span class=\"__13 _951\"> </span>2 118<span class=\"__13 _942\"> </span>49 030<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:224.79681px;\">Derivatinstrumen<span class=\"__13 _b_12\"/>t <span class=\"__13 _1027\"> </span><span class=\"ff5_8\">30 200<span class=\"__13 _1c_9\"> </span></span>\u2013<span class=\"__13 _3f_7\"> </span><span class=\"ff5_8\">30 200<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:210.23682px;\">F\u00f6r\u00e4ndring a<span class=\"__13 _b_12\"/>v verkligt v\u00e4rde f<span class=\"__13 _898\"/>\u00f6r r\u00e4nt<span class=\"__13 _898\"/>es\u00e4krade poster <span class=\"__13 _921\"> </span><span class=\"ff5_8\">-65<span class=\"__13 _1c_9\"> </span></span>\u2013<span class=\"__13 _2e_7\"> </span><span class=\"ff5_8\">-65<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:195.67682px;\">Aktier och andelar i in<span class=\"__13 _898\"/>tressef<span class=\"__13 _b_12\"/>\u00f6retag och joint venture<span class=\"__13 _898\"/>s<span class=\"__13 _1d_9\"> </span><span class=\"ff5_8\">207<span class=\"__13 _12c_3\"> </span></span>\u2013<span class=\"__13 _1028\"> </span><span class=\"ff5_8\">207<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:181.11682px;\">Immateriella tillg\u00e5ngar <span class=\"__13 _1029\"> </span><span class=\"ff5_8\">3 784<span class=\"__13 _1c_9\"> </span></span>\u2013<span class=\"__13 _980\"> </span><span class=\"ff5_8\">3 784<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:166.55682px;\">Materiella tillg\u00e5ngar <span class=\"__13 _1030\"> </span><span class=\"ff5_8\">1 7<span class=\"__13 _b_12\"/>45<span class=\"__13 _1c_9\"> </span><span class=\"ff2_13\">\u2013<span class=\"__13 _994\"> </span></span>1 7<span class=\"__13 _b_12\"/>45<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:151.99683px;\">F\u00f6rvaltningsf<span class=\"__13 _b_12\"/>astigheter<span class=\"__13 _1031\"> </span><span class=\"ff5_8\">1 764<span class=\"__13 _7e_5\"> </span>-131<span class=\"__13 _987\"> </span>1 633<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:137.43681px;\">Uppskjutna skattef<span class=\"__13 _b_12\"/>ordringar <span class=\"__13 _1032\"> </span><span class=\"ff5_8\">218<span class=\"__13 _5c_5\"> </span>141<span class=\"__13 _1028\"> </span>359<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:122.876816px;\">Aktuella skatt<span class=\"__13 _b_12\"/>efordringar <span class=\"__13 _1033\"> </span><span class=\"ff5_8\">272<span class=\"__13 _12c_3\"> </span></span>\u2013<span class=\"__13 _ed_5\"> </span><span class=\"ff5_8\">272<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:107.20662px;\">Pensionstillg\u00e5ngar <span class=\"__13 _1034\"> </span><span class=\"ff5_8\">221<span class=\"__13 _1c_9\"> </span></span>\u2013<span class=\"__13 _2e_7\"> </span><span class=\"ff5_8\">221<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:92.64662px;\">\u00d6vriga tillg\u00e5ngar <span class=\"__13 _1035\"> </span><span class=\"ff5_8\">8 830<span class=\"__13 _972\"> </span>-13<span class=\"__13 _987\"> </span>8 817<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:78.08662px;\">F\u00f6rutbetalda k<span class=\"__13 _898\"/>ostnader och upplupna int<span class=\"__13 _898\"/>\u00e4kter  <span class=\"__13 _1036\"> </span><span class=\"ff5_8\">880<span class=\"__13 _13a_3\"> </span>16<span class=\"__13 _7e_5\"> </span>896<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 ha_12 ff2_13 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:63.52662px;\">Tillg\u00e5ngar som innehas f\u00f6r f<span class=\"__13 _b_12\"/>\u00f6rs\u00e4ljning<span class=\"__13 _13b_3\"> </span><span class=\"ff5_8\">180<span class=\"__13 _1c_9\"> </span></span>\u2013<span class=\"__13 _1028\"> </span><span class=\"ff5_8\">180<span class=\"__13 _15e\"> </span></span></div><div class=\"t_13 m0_13 hd_12 ff4_12 fs0_13 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:48.96662px;\">Summa tillg\u00e5ngar<span class=\"__13 _13c_3\"> </span>570 353<span class=\"__13 _1028\"> </span><span class=\"ls4_12 wsb_12\">2<span class=\"__13 _c_12\"/>57<span class=\"__13 _940\"> </span></span>570 610<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 hb_12 ff2_13 fs7_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:4.2144775px; bottom:31.81754px;\">1)   <span class=\"__13 _d1_5\"/>F\u00f6r att reduc<span class=\"__13 _898\"/>era volatilitet<span class=\"__13 _898\"/>en n\u00e4r f\u00f6rs\u00e4kringskontr<span class=\"__13 _b_12\"/>akt v\u00e4rderas under IFRS 17 har 3 361 mn euro omklassi\ufb01cer<span class=\"__13 _b_12\"/><span class=\"__13 _15e\">ats fr\u00e5n Upplupet anskaffningsv\u00e4r</span><span class=\"__13 _898\"/>de till Verkligt v<span class=\"__13 _b_12\"/>\u00e4rde via resultat-<span class=\"__13 _15e\"> </span></div><div class=\"t_13 m0_13 hb_12 ff2_13 fs7_12 fc2_11 sc0_13 ls0_13 ws0_13\" style=\"left:14.38633px; bottom:22.98066px;\">r\u00e4kningen. De r\u00e4nt<span class=\"__13 _b_12\"/>eb\u00e4rande v\u00e4rdepappren har f\u00f6ljdaktligen om<span class=\"__13 _b_12\"/>v\u00e4rderas och det bokf\u00f6rda v\u00e4r<span class=\"__13 _898\"/>det \u00f6kats med 113 mn euro.  <span class=\"fc4_3\"> </span></div>Balansr\u00e4kning, f<span class=\"__13 _b_12\"/>or<span class=\"__13 _c_12\"/>ts.<span class=\"__13 _15e\"> </span>Mn euro<span class=\"__13 _15e\"> </span>31 dec 2021 <span class=\"__13 _d1_5\"/> enligt IFRS 4<span class=\"__13 _15e\"> </span>P\u00e5<span class=\"__13 _898\"/>verkan fr\u00e5n <span class=\"__13 _d1_5\"/> IFRS 17<span class=\"__13 _15e\"> </span>1 jan 2022 <span class=\"__13 _d1_5\"/> enligt IFRS 17<span class=\"__13 _15e\"> </span>Skulder<span class=\"__13 _15e\"> </span>Skulder till kreditinstitut <span class=\"__13 _13d_3\"> </span><span class=\"ff5_8\">26 961<span class=\"__13 _1c_9\"> </span></span>\u2013<span class=\"__13 _f3_5\"> </span><span class=\"ff5_8\">26 961<span class=\"__13 _15e\"> </span></span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten <span class=\"__13 _13e_3\"> </span><span class=\"ff5_8\">205 801<span class=\"__13 _1c_9\"> </span></span>\u2013<span class=\"__13 _940\"> </span><span class=\"ff5_8\">205 801<span class=\"__13 _15e\"> </span></span>Inl\u00e5ning i placeringsportf\u00f6ljer och f<span class=\"__13 _898\"/>ondf\u00f6rs\u00e4kringsa<span class=\"__13 _b_12\"/>vtal<span class=\"__13 _13f_3\"> </span><span class=\"ff5_8\">48 201<span class=\"__13 _987\"> </span>2 106<span class=\"__13 _948\"> </span>50 307<span class=\"__13 _15e\"> </span></span>Skulder till f\u00f6rs\u00e4krings<span class=\"__13 _898\"/>tagare <span class=\"__13 _1037\"> </span><span class=\"ff5_8\">19 595<span class=\"__13 _d7_5\"> </span>-1 238<span class=\"__13 _961\"> </span>18 357<span class=\"__13 _15e\"> </span></span>Emitterade v\u00e4r<span class=\"__13 _898\"/>depapper <span class=\"__13 _1038\"> </span><span class=\"ff5_8\">176 365<span class=\"__13 _1c_9\"> </span></span>\u2013<span class=\"__13 _dc_5\"> </span><span class=\"ff5_8\">176 365<span class=\"__13 _15e\"> </span></span>Derivatinstrumen<span class=\"__13 _b_12\"/>t<span class=\"__13 _1039\"> </span><span class=\"ff5_8\">31 485<span class=\"__13 _1c_9\"> </span></span>\u2013<span class=\"__13 _f3_5\"> </span><span class=\"ff5_8\">31 485<span class=\"__13 _15e\"> </span></span>F\u00f6r\u00e4ndring a<span class=\"__13 _b_12\"/>v verkligt v\u00e4rde f<span class=\"__13 _898\"/>\u00f6r r\u00e4nt<span class=\"__13 _898\"/>es\u00e4krade poster <span class=\"__13 _921\"> </span><span class=\"ff5_8\">101<span class=\"__13 _1c_9\"> </span></span>\u2013<span class=\"__13 _5c_5\"> </span><span class=\"ff5_8\">101<span class=\"__13 _15e\"> </span></span>Aktuella skatt<span class=\"__13 _b_12\"/>eskulder <span class=\"__13 _1040\"> </span><span class=\"ff5_8\">354<span class=\"__13 _1c_9\"> </span></span>\u2013<span class=\"__13 _1028\"> </span><span class=\"ff5_8\">354<span class=\"__13 _15e\"> </span></span>\u00d6vriga skulder <span class=\"__13 _1041\"> </span><span class=\"ff5_8\">18 485<span class=\"__13 _e6_5\"> </span>-9<span class=\"__13 _f3_5\"> </span>18 476<span class=\"__13 _15e\"> </span></span>Upplupna kostnader och f<span class=\"__13 _b_12\"/>\u00f6rutbetalda int\u00e4kter <span class=\"__13 _1042\"> </span><span class=\"ff5_8\">1 334<span class=\"__13 _1c_9\"> </span></span>\u2013<span class=\"__13 _987\"> </span><span class=\"ff5_8\">1 334<span class=\"__13 _15e\"> </span></span>Uppskjutna skatteskul<span class=\"__13 _898\"/>der <span class=\"__13 _1043\"> </span><span class=\"ff5_8\">535<span class=\"__13 _2e_7\"> </span>-29<span class=\"__13 _1044\"> </span>506<span class=\"__13 _15e\"> </span></span>A<span class=\"__13 _b_12\"/>vs\u00e4ttningar <span class=\"__13 _1045\"> </span><span class=\"ff5_8\">414<span class=\"__13 _1c_9\"> </span></span>\u2013<span class=\"__13 _ed_5\"> </span><span class=\"ff5_8\">414<span class=\"__13 _15e\"> </span></span>Pensionsf<span class=\"__13 _898\"/>\u00f6rpliktelser <span class=\"__13 _1027\"> </span><span class=\"ff5_8\">369<span class=\"__13 _12c_3\"> </span></span>\u2013<span class=\"__13 _1044\"> </span><span class=\"ff5_8\">369<span class=\"__13 _15e\"> </span></span>Efterst\u00e4llda sk<span class=\"__13 _898\"/>ulder<span class=\"__13 _1046\"> </span><span class=\"ff5_8\">6 850<span class=\"__13 _1c_9\"> </span></span>\u2013<span class=\"__13 _995\"> </span><span class=\"ff5_8\">6 850<span class=\"__13 _15e\"> </span></span>Summa skulder<span class=\"__13 _14a_2\"> </span>536 850<span class=\"__13 _7e_5\"> </span>830<span class=\"__13 _4c_5\"> </span>537 680<span class=\"__13 _15e\"> </span>Eget kapital<span class=\"__13 _15e\"> </span>Innehav<span class=\"__13 _898\"/>are av \u00f6<span class=\"__13 _b_12\"/>vrigt prim\u00e4rkapital<span class=\"__13 _14b_2\"> </span><span class=\"ff5_8\">750<span class=\"__13 _1c_9\"> </span></span>\u2013<span class=\"__13 _1028\"> </span><span class=\"ff5_8\">750<span class=\"__13 _15e\"> </span></span>Minoritetsintre<span class=\"__13 _898\"/>ssen <span class=\"__13 _14c_2\"> </span><span class=\"ff5_8\">9<span class=\"__13 _1c_9\"> </span></span>\u2013<span class=\"__13 _12c_3\"> </span><span class=\"ff5_8\">9<span class=\"__13 _15e\"> </span></span>Aktiekapital<span class=\"__13 _14d_1\"> </span><span class=\"ff5_8\">4 050<span class=\"__13 _1c_9\"> </span></span>\u2013<span class=\"__13 _991\"> </span><span class=\"ff5_8\">4 050<span class=\"__13 _15e\"> </span></span>Invest<span class=\"__13 _b_12\"/>erat eget kapital<span class=\"__13 _14e_1\"> </span><span class=\"ff5_8\">1 090<span class=\"__13 _1c_9\"> </span></span>\u2013<span class=\"__13 _980\"> </span><span class=\"ff5_8\">1 090<span class=\"__13 _15e\"> </span></span>\u00d6vriga reserver<span class=\"__13 _14f_1\"> </span><span class=\"ff5_8\">-1 801<span class=\"__13 _1c_9\"> </span></span>\u2013<span class=\"__13 _d7_5\"> </span><span class=\"ff5_8\">-1 801<span class=\"__13 _15e\"> </span></span>Balanserade vinstmedel<span class=\"__13 _1047\"> </span><span class=\"ff5_8\">29 405<span class=\"__13 _963\"> </span>-57<span class=\"__13 _c_12\"/>3<span class=\"__13 _948\"> </span>28 832<span class=\"__13 _15e\"> </span></span>Summa eget kapital<span class=\"__13 _1048\"> </span>33 503<span class=\"__13 _963\"> </span><span class=\"ls4_12 wsb_12\">-57<span class=\"__13 _c_12\"/>3<span class=\"__13 _948\"> </span></span>32 930<span class=\"__13 _15e\"> </span>Summa skulder och eget kapital<span class=\"__13 _1049\"> </span>570 353<span class=\"__13 _1028\"> </span><span class=\"ls4_12 wsb_12\">2<span class=\"__13 _c_12\"/>57<span class=\"__13 _940\"> </span></span>570 610<span class=\"__13 _15e\"> </span>Skulder a<span class=\"__13 _b_12\"/>vseende f\u00f6rs\u00e4kringskontr<span class=\"__13 _898\"/>akt<span class=\"__13 _15e\"> </span>Mn euro<span class=\"__13 _15e\"> </span>Full  retroak<span class=\"__13 _b_12\"/>tiv<span class=\"__13 _15e\"> </span>metod<span class=\"__13 _15e\"> </span>Modi\ufb01erad<span class=\"__13 _15e\"> </span>retroaktiv met<span class=\"__13 _898\"/>od<span class=\"__13 _15e\"> </span>V<span class=\"__13 _b_12\"/>erkligt v\u00e4rde<span class=\"__13 _15e\"> </span>metod<span class=\"__13 _15e\"> </span>Kontr<span class=\"__13 _898\"/>akt utanf<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _15e\"> </span>IFRS 17<span class=\"__13 _942\"> </span>Summa<span class=\"__13 _15e\"> </span>Balans per 31 dec 2021 enligt IFRS 4<span class=\"__13 _11e_6\"> </span>164<span class=\"__13 _e5_5\"> </span>1 4<span class=\"__13 _c_12\"/>83<span class=\"__13 _986\"> </span>15 7<span class=\"__13 _c_12\"/>99<span class=\"__13 _cf_5\"> </span>2 149<span class=\"__13 _986\"> </span>19 595<span class=\"__13 _15e\"> </span>Omklassi\ufb01cering till IFRS 9<span class=\"__13 _1050\"> </span>\u2013<span class=\"__13 _1c_9\"> </span>\u2013<span class=\"__13 _1c_9\"> </span>\u2013<span class=\"__13 _d7_5\"> </span>-2 149<span class=\"__13 _2c_7\"> </span>-2 149<span class=\"__13 _15e\"> </span>Omklassi\ufb01cering fr\u00e5n IFRS 9<span class=\"__13 _1051\"> </span>\u2013<span class=\"__13 _1c_9\"> </span>\u2013<span class=\"__13 _ef_5\"> </span><span class=\"ls5_12 wsc_12\">43<span class=\"__13 _1c_9\"> </span></span>\u2013<span class=\"__13 _ef_5\"> </span><span class=\"ls5_12 wsc_12\">43<span class=\"__13 _15e\"> </span></span>Omv\u00e4rdering<span class=\"__13 _1a_9\"> </span><span class=\"ls4_12 wsb_12\">-13<span class=\"__13 _1052\"> </span></span>7<span class=\"__13 _1028\"> </span><span class=\"lsf_11 ws1a_11\">8<span class=\"__13 _c_12\"/>74<span class=\"__13 _5b_5\"> </span></span>\u2013<span class=\"__13 _7e_5\"> </span>868<span class=\"__13 _15e\"> </span>Balans per 1 jan 2022 enligt IFRS 17<span class=\"__13 _945\"> </span><span class=\"ls4_12 wsb_12\">151<span class=\"__13 _e5_5\"> </span></span>1 490<span class=\"__13 _f2_5\"> </span>16 716<span class=\"__13 _12c_3\"> </span>0<span class=\"__13 _f3_5\"> </span>18 357<span class=\"__13 _15e\"> </span>Mn euro<span class=\"__13 _1053\"> </span>Summa<span class=\"__13 _15e\"> </span>Balans per 1 jan 2022 enligt IFRS 17<span class=\"__13 _15e\"> </span>Allm\u00e4n ber\u00e4kningsmetod<span class=\"__13 _1054\"> </span>125<span class=\"__13 _15e\"> </span>Metod f\u00f6r r<span class=\"__13 _898\"/>\u00f6rliga av<span class=\"__13 _898\"/>gifter<span class=\"__13 _1055\"> </span>18 214<span class=\"__13 _15e\"> </span>Premief\u00f6r<span class=\"__13 _b_12\"/>delningsmetod<span class=\"__13 _1056\"> </span>18<span class=\"__13 _15e\"> </span>Summa<span class=\"__13 _15a\"> </span>18 357<span class=\"__13 _15e\"> </span>Mn euro<span class=\"__13 _15e\"> </span>Full retroak<span class=\"__13 _b_12\"/>tiv<span class=\"__13 _15e\"> </span>metod<span class=\"__13 _15e\"> </span>Modi\ufb01erad<span class=\"__13 _15e\"> </span>retroaktiv met<span class=\"__13 _898\"/>od<span class=\"__13 _15e\"> </span>V<span class=\"__13 _b_12\"/>erkligt v\u00e4rde<span class=\"__13 _15e\"> </span>metod<span class=\"__13 _942\"> </span>Summa<span class=\"__13 _15e\"> </span>Balans per 1 jan 2022 enligt IFRS 17<span class=\"__13 _15e\"> </span>Diskonter<span class=\"__13 _b_12\"/>ade kassafl\u00f6den<span class=\"__13 _915\"> </span>105<span class=\"__13 _932\"> </span>1 234<span class=\"__13 _f3_5\"> </span>15 802<span class=\"__13 _984\"> </span><span class=\"ls4_12 wsb_12\">17 141<span class=\"__13 _15e\"> </span></span>Riskjustering<span class=\"__13 _15b\"> </span>10<span class=\"__13 _1e_9\"> </span><span class=\"ls6_12 wsd_12\">25<span class=\"__13 _1028\"> </span></span>160<span class=\"__13 _ed_5\"> </span>195<span class=\"__13 _15e\"> </span>A<span class=\"__13 _b_12\"/>vtalsenlig marginal<span class=\"__13 _15c\"> </span>36<span class=\"__13 _d3_5\"> </span>2<span class=\"__13 _c_12\"/>31<span class=\"__13 _1028\"> </span>754<span class=\"__13 _951\"> </span>1 021<span class=\"__13 _15e\"> </span>Summa<span class=\"__13 _15d\"> </span><span class=\"ls4_12 wsb_12\">151<span class=\"__13 _e5_5\"> </span></span>1 490<span class=\"__13 _f2_5\"> </span>16 716<span class=\"__13 _961\"> </span>18 357<span class=\"__13 _15e\"> </span>K10.7 <span class=\"__13 _f5_5\"> </span> H\u00e4ndelser <span class=\"__13 _934\"> </span>efter r\u00e4k<span class=\"__13 _898\"/>enskapsperiodens slut<span class=\"__13 _15e\"> </span>Aktie\u00e5<span class=\"__13 _b_12\"/>terk\u00f6p och ogiltigf<span class=\"__13 _898\"/>\u00f6rklarade ak<span class=\"__13 _b_12\"/>tier<span class=\"__13 _15e\"> </span>Efter den 31 december 2022 har Nor<span class=\"__13 _898\"/>dea k\u00f6pt ytterligar<span class=\"__13 _b_12\"/>e<span class=\"__13 _15e\"> </span><span class=\"__13 _15e\">25 7</span><span class=\"__13 _b_12\"/><span class=\"__13 _15e\">40 25</span><span class=\"__13 _c_12\"/><span class=\"__13 _15e\">2 aktier</span><span class=\"__13 _906\"/>, vilket motsvarar en minskning a<span class=\"__13 _b_12\"/>v balanse-<span class=\"__13 _15e\"> </span><span class=\"__13 _15e\">rade vinstmedel med 279 897 341,84 euro, inom r</span><span class=\"__13 _b_12\"/>amen f\u00f6r det<span class=\"__13 _15e\"> </span>tredje aktie\u00e5<span class=\"__13 _b_12\"/>terk\u00f6psprogrammet som p\u00e5b\u00f6rjades 20 juli 2022<span class=\"__13 _15e\"> </span>och ska avsl<span class=\"__13 _b_12\"/>utas senast 29 mars 2023.<span class=\"__13 _15e\"> </span>I januari och februari ogil<span class=\"__13 _898\"/>tigf\u00f6rklar<span class=\"__13 _b_12\"/>ades sammanlagt<span class=\"__13 _15e\"> </span>11 925 310 respektiv<span class=\"__13 _898\"/>e 14 760 027 egna ak<span class=\"__13 _b_12\"/>tier som innehafts<span class=\"__13 _15e\"> </span>f\u00f6r kapital<span class=\"__13 _898\"/>optimerings\u00e4ndam\u00e5l och som f<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>v\u00e4rvats genom<span class=\"__13 _15e\"> </span>aktie\u00e5<span class=\"__13 _898\"/>terk\u00f6p. E<span class=\"__13 _b_12\"/>fter ogiltigf\u00f6rklaringen uppg\u00e5r det tot<span class=\"__13 _898\"/>ala anta<span class=\"__13 _b_12\"/>-<span class=\"__13 _15e\"> </span>let aktier i Nor<span class=\"__13 _898\"/>dea till 3 627 595 959 aktier<span class=\"__13 _906\"/>.K11 <span class=\"__14 _1065\"> </span>Risk<span class=\"__14 _1058\"/>- och likviditetshan<span class=\"__14 _1058\"/>t<span class=\"__14 _1058\"/>ering<span class=\"__14 _1ce\"> </span> 1. Riskstyrning<span class=\"__14 _1066\"/><span class=\"ff2_14 fs4_13 ls2_13 ws4_13\">...........................................................</span><span class=\"ls3_13 ws5_13\"><span class=\"__14 _1ce\">195</span></span> <span class=\"__14 _a_13\"> </span>1.<span class=\"__14 _b_13\"/>1. <span class=\"__14 _c_13\"> </span>Ramverk f<span class=\"__14 _b_13\"/>\u00f6r intern kon<span class=\"__14 _1058\"/>troll<span class=\"__14 _1ce\"> </span>.................................<span class=\"__14 _1066\"/><span class=\"fs3_13 ls4_13 ws6_13\"><span class=\"__14 _1ce\">195</span></span> <span class=\"__14 _a_13\"> </span>1.2. <span class=\"__14 _a_13\"> </span> <span class=\"__14 _d_13\"/>Beslutsfa<span class=\"__14 _b_13\"/>ttande organ f\u00f6r risk<span class=\"__14 _b_13\"/>-,  likviditets- och kapitalhan<span class=\"__14 _1058\"/>tering<span class=\"__14 _1ce\"> </span>..........................<span class=\"fs3_13 ls0_14 ws0_14\">196</span> <span class=\"__14 _a_13\"> </span>1.3. <span class=\"__14 _e_13\"> </span>Styrning av riskhan<span class=\"__14 _b_13\"/>tering och regelefterlevnad<span class=\"__14 _1ce\"> </span>......<span class=\"fs3_13 ls4_13 ws6_13\"><span class=\"__14 _1ce\">19</span><span class=\"__14 _1066\"/><span class=\"__14 _1ce\">6</span></span> <span class=\"__14 _a_13\"> </span>1.4. <span class=\"__14 _f_13\"> </span> <span class=\"__14 _d_13\"/>Upplysningskra<span class=\"__14 _1058\"/>v enligt kapitalt\u00e4cknings-<span class=\"__14 _1ce\"> </span> f\u00f6r<span class=\"__14 _1058\"/>ordningen \u2013 Nordeas kapital<span class=\"__14 _b_13\"/>- och  <span class=\"__14 _1067\"/>riskhanterings-<span class=\"__14 _1ce\"> </span> rapport 2022 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . <span class=\"__14 _1068\"> </span><span class=\"fs3_13 ls4_13 ws6_13\"><span class=\"__14 _1ce\">197<span class=\"__14 _1ce\"> </span></span></span>2. Kreditrisk...............................................................<span class=\"__14 _1069\"/><span class=\"ff1_14 fs3_13 ls6_13 ws8_13\"><span class=\"__14 _1ce\">198</span></span> <span class=\"__14 _a_13\"> </span>2.<span class=\"__14 _b_13\"/>1. <span class=\"__14 _1070\"> </span>De\ufb01nition och identi\ufb01ering a<span class=\"__14 _b_13\"/>v kreditrisk ...............<span class=\"fs3_13 ls4_13 ws6_13\"><span class=\"__14 _1ce\">19</span><span class=\"__14 _1066\"/><span class=\"__14 _1ce\">8</span></span> <span class=\"__14 _a_13\"> </span>2.2. <span class=\"__14 _f_13\"> </span>Begr<span class=\"__14 _b_13\"/>\u00e4nsning av kreditrisk...................................<span class=\"fs3_13 ls4_13 ws6_13\"><span class=\"__14 _1ce\">19</span><span class=\"__14 _1066\"/><span class=\"__14 _1ce\">9</span></span><span class=\"ls0_14 ws0_14\"> </span> <span class=\"__14 _a_13\"> </span>2.3. <span class=\"__14 _1071\"> </span>F\u00f6r<span class=\"__14 _1058\"/>delning av s\u00e4k<span class=\"__14 _b_13\"/>erheter<span class=\"fs4_13 ls2_13 wsa_13\"> ...................................<span class=\"__14 _1072\"/></span><span class=\"ls4_13 ws6_13\"><span class=\"__14 _1ce\">19</span><span class=\"__14 _1072\"/><span class=\"__14 _1ce\">9</span></span> <span class=\"__14 _a_13\"> </span>2.4. <span class=\"__14 _1073\"> </span>Tillg\u00e5ngar \u00f6vertagna f<span class=\"__14 _b_13\"/>\u00f6r skyddande av for<span class=\"__14 _b_13\"/>dran .....<span class=\"__14 _1069\"/><span class=\"fs3_13 ls7_13 wsc_13\"><span class=\"__14 _1ce\">200</span></span> <span class=\"__14 _1068\"/>2.5. Bel\u00e5ningsgrad<span class=\"__14 _1ce\"> </span>..................................................<span class=\"__14 _1069\"/><span class=\"fs3_13 ls7_13 wsc_13\"><span class=\"__14 _1ce\">200</span></span> <span class=\"__14 _a_13\"> </span>2.6. <span class=\"__14 _1073\"> </span> <span class=\"__14 _d_13\"/>Individuell och modellbaserad pr\u00f6vning  <span class=\"__14 _a_13\"> </span> <span class=\"__14 _1074\"> </span>av nedskrivningsbeho<span class=\"__14 _b_13\"/>v<span class=\"__14 _1ce\"> </span>......................................<span class=\"__14 _1069\"/><span class=\"fs3_13 ls7_13 wsc_13\"><span class=\"__14 _1ce\">200</span></span> <span class=\"__14 _a_13\"> </span>2.7<span class=\"__14 _b_13\"/>. <span class=\"__14 _e_13\"> </span>F\u00f6rmildrande kreditvillk<span class=\"__14 _b_13\"/>or<span class=\"__14 _1ce\"> </span>..................................<span class=\"fs3_13 ls7_13 wsc_13\"><span class=\"__14 _1ce\">201</span></span> <span class=\"__14 _1075\"> </span>2.8. K\u00e4nsligheter ....................................................<span class=\"fs3_13 ls7_13 wsc_13\"><span class=\"__14 _1ce\">201</span></span> <span class=\"__14 _a_13\"> </span>2.9. <span class=\"__14 _1073\"> </span>Fr<span class=\"__14 _b_13\"/>am\u00e5tblickande informa<span class=\"__14 _b_13\"/>tion<span class=\"__14 _1ce\"> </span>..............................<span class=\"__14 _b_13\"/><span class=\"fs3_13 ls8_13 ws10_13\"><span class=\"__14 _1ce\">202</span><span class=\"fs4_13 ls0_14 ws0_14\"> </span></span> <span class=\"__14 _1076\"> </span>2.<span class=\"__14 _b_13\"/>10. Kreditportf\u00f6lj<span class=\"fs4_13 ls2_13 ws12_13\"> ...................................................<span class=\"__14 _b_13\"/><span class=\"fs3_13 ls7_13 wsc_13\"><span class=\"__14 _1ce\">207</span></span></span> <span class=\"__14 _a_13\"> </span>2.<span class=\"__14 _b_13\"/>11. <span class=\"__14 _1a_10\"> </span>Utl\u00e5ning till f\u00f6r<span class=\"__14 _1058\"/>etagskunder<span class=\"__14 _1ce\"> </span>................................<span class=\"__14 _b_13\"/><span class=\"fs3_13 ls7_13 wsc_13\"><span class=\"__14 _1ce\">207</span></span> <span class=\"__14 _a_13\"> </span>2.<span class=\"__14 _b_13\"/>12. <span class=\"__14 _1b_10\"> </span>Utl\u00e5ning till privatk<span class=\"__14 _b_13\"/>under ...................................<span class=\"__14 _b_13\"/><span class=\"fs3_13 ls7_13 wsc_13\"><span class=\"__14 _1ce\">207</span></span> <span class=\"__14 _a_13\"> </span>2.<span class=\"__14 _b_13\"/>13.  Geogra\ufb01sk f\u00f6rdelning<span class=\"__14 _1ce\"> </span>........................................<span class=\"__14 _1066\"/><span class=\"fs3_13 ls9_13 ws14_13\"><span class=\"__14 _1ce\">216</span></span> <span class=\"__14 _1076\"> </span>2.<span class=\"__14 _b_13\"/>1<span class=\"__14 _b_13\"/>4. Kundklassi\ufb01cering ............................................<span class=\"__14 _1066\"/><span class=\"fs3_13 ls9_13 ws14_13\"><span class=\"__14 _1ce\">216</span></span> <span class=\"__14 _a_13\"> </span>2.<span class=\"__14 _b_13\"/>15.  Os\u00e4kra l\u00e5nefordringar (ka<span class=\"__14 _b_13\"/>tegori 3) ......................<span class=\"__14 _1066\"/><span class=\"fs3_13 ls4_13 ws6_13\"><span class=\"__14 _1ce\">219</span></span> <span class=\"__14 _a_13\"> </span>2.<span class=\"__14 _b_13\"/>16.  F<span class=\"__14 _b_13\"/>\u00f6rfallna l\u00e5nefordringar<span class=\"__14 _1ce\"> </span>.....................................<span class=\"__14 _1066\"/><span class=\"fs3_13 ls4_13 ws6_13\"><span class=\"__14 _1ce\">219</span></span> <span class=\"__14 _1a_10\"> </span>2.<span class=\"__14 _b_13\"/>17<span class=\"__14 _b_13\"/>. Reserver..........................................................<span class=\"__14 _1066\"/><span class=\"fs3_13 ls4_13 ws6_13\"><span class=\"__14 _1ce\">219</span></span> <span class=\"__14 _1076\"> </span>2.<span class=\"__14 _b_13\"/>18. Kreditf\u00f6rlus<span class=\"__14 _1058\"/>ter<span class=\"__14 _1ce\"> </span>..................................................<span class=\"__14 _1066\"/><span class=\"fs3_13 ls4_13 ws6_13\"><span class=\"__14 _1ce\">219<span class=\"__14 _1ce\"> </span></span></span>3. Motpartskreditrisk .................................................<span class=\"__14 _b_13\"/><span class=\"ff1_14 fs3_13 lsa_13 ws1c_12\"><span class=\"__14 _1ce\">223<span class=\"__14 _1ce\"> </span></span></span>4. Marknadsrisk<span class=\"__14 _1ce\"> </span>.........................................................<span class=\"__14 _b_13\"/><span class=\"ff1_14 fs3_13 lsa_13 ws1c_12\"><span class=\"__14 _1ce\">223</span></span> <span class=\"__14 _a_13\"> </span>4.<span class=\"__14 _b_13\"/>1. <span class=\"__14 _e_13\"> </span>Handelsrelaterad marknadsrisk ..........................<span class=\"__14 _b_13\"/><span class=\"fs3_13 lsb_13 ws1f_10\"><span class=\"__14 _1ce\">223</span></span> <span class=\"__14 _a_13\"> </span>4.2. <span class=\"__14 _1073\"> </span>Ej handelsrelater<span class=\"__14 _b_13\"/>ad marknadsrisk .......................<span class=\"__14 _b_13\"/><span class=\"fs3_13 lsb_13 ws1f_10\"><span class=\"__14 _1ce\">223</span></span> <span class=\"__14 _a_13\"> </span>4.3. <span class=\"__14 _1073\"> </span>M\u00e4tning a<span class=\"__14 _b_13\"/>v marknadsrisk<span class=\"__14 _1ce\"> </span>...................................<span class=\"__14 _1c_10\"/><span class=\"fs3_13 lsb_13 ws1f_10\"><span class=\"__14 _1ce\">224</span></span> <span class=\"__14 _1075\"> </span>4.4. Marknadsriskanalys ..........................................<span class=\"__14 _b_13\"/><span class=\"fs3_13 lsc_13 ws23_10\"><span class=\"__14 _1ce\">225</span></span> <span class=\"__14 _a_13\"> </span>4.5. <span class=\"__14 _1073\"> </span>Struk<span class=\"__14 _b_13\"/>turell r\u00e4ntenett<span class=\"__14 _1058\"/>orisk (SIIR)/  <span class=\"__14 _a_13\"> </span> <span class=\"__14 _1074\"> </span>ekonomiskt v<span class=\"__14 _b_13\"/>\u00e4rde (EV) ......................................<span class=\"__14 _1c_10\"/><span class=\"fs3_13 ls7_13 wsc_13\"><span class=\"__14 _1ce\">2</span><span class=\"__14 _1072\"/><span class=\"__14 _1ce\">26</span></span> <span class=\"__14 _a_13\"> </span>4.6. <span class=\"__14 _1076\"> </span>\u00d6vrig marknadsrisk \u2013 pensionsrisk ......................<span class=\"__14 _1c_10\"/><span class=\"fs3_13 ls7_13 wsc_13\"><span class=\"__14 _1ce\">2</span><span class=\"__14 _1072\"/><span class=\"__14 _1ce\">26<span class=\"__14 _1ce\"> </span></span></span>5. Operativ risk ..........................................................<span class=\"__14 _1c_10\"/><span class=\"ff1_14 fs3_13 lsa_13 ws1c_12\"><span class=\"__14 _1ce\">226</span></span> <span class=\"__14 _a_13\"> </span>5.<span class=\"__14 _b_13\"/>1. <span class=\"__14 _a_13\"> </span>Hantering av oper<span class=\"__14 _b_13\"/>ativ risk ..................................<span class=\"__14 _1c_10\"/><span class=\"fs3_13 ls7_13 wsc_13\"><span class=\"__14 _1ce\">2</span><span class=\"__14 _1072\"/><span class=\"__14 _1ce\">26</span></span> <span class=\"__14 _a_13\"> </span>5.2. <span class=\"__14 _1071\"> </span>Hantering a<span class=\"__14 _b_13\"/>v risker i den \ufb01nansiella    <span class=\"__14 _1d_10\"> </span>rapporteringen<span class=\"__14 _1ce\"> </span>.................................................<span class=\"fs3_13 lsd_12 ws2a_7\"><span class=\"__14 _1ce\">227<span class=\"__14 _1ce\"> </span></span></span>6. Regelefterle<span class=\"__14 _b_13\"/>vnadsrisk<span class=\"__14 _1ce\"> </span>.............................................<span class=\"__14 _b_13\"/><span class=\"ff1_14 fs3_13 lsa_13 ws1c_12\"><span class=\"__14 _1ce\">227</span></span> <span class=\"__14 _a_13\"> </span>6.<span class=\"__14 _b_13\"/>1. <span class=\"__14 _e_13\"> </span>Bek\u00e4mpning av ekobro<span class=\"__14 _b_13\"/>tt<span class=\"__14 _1ce\"> </span>....................................<span class=\"__14 _1c_10\"/><span class=\"fs3_13 lse_12 ws2c_7\"><span class=\"__14 _1ce\">228<span class=\"__14 _1ce\"> </span></span></span>7<span class=\"__14 _b_13\"/>. <span class=\"__14 _1066\"/> <span class=\"__14 _1067\"/>Livf\u00f6rs\u00e4kringsrisk och marknadsrisk  inom Life &amp; P<span class=\"__14 _b_13\"/>ension ................................................<span class=\"__14 _1c_10\"/><span class=\"ff1_14 fs3_13 lsa_13 ws1c_12\"><span class=\"__14 _1ce\">229<span class=\"__14 _1ce\"> </span></span></span>8. Likviditetsrisk ........................................................<span class=\"__14 _1c_10\"/><span class=\"ff1_14 fs3_13 lsa_13 ws1c_12\"><span class=\"__14 _1ce\">229</span></span> <span class=\"__14 _a_13\"> </span>8.<span class=\"__14 _b_13\"/>1. <span class=\"__14 _e_13\"> </span>De\ufb01nition och identi\ufb01ering a<span class=\"__14 _b_13\"/>v likviditetsrisk ..........<span class=\"__14 _1c_10\"/><span class=\"fs3_13 lsf_12 ws31_6\"><span class=\"__14 _1ce\">229</span></span> <span class=\"__14 _a_13\"> </span>8.2. <span class=\"__14 _1073\"> </span>Ledningsprinciper och kon<span class=\"__14 _b_13\"/>troll<span class=\"__14 _1ce\"> </span>............................<span class=\"__14 _1c_10\"/><span class=\"fs3_13 lsf_12 ws31_6\"><span class=\"__14 _1ce\">229</span></span> <span class=\"__14 _a_13\"> </span>8.3. <span class=\"__14 _1076\"> </span>Strategi f\u00f6r han<span class=\"__14 _b_13\"/>tering av likviditetsrisk .................<span class=\"__14 _1c_10\"/><span class=\"fs3_13 lsf_12 ws31_6\"><span class=\"__14 _1ce\">229</span></span> <span class=\"__14 _a_13\"> </span>8.4. <span class=\"__14 _1076\"> </span>M\u00e4tning a<span class=\"__14 _b_13\"/>v likviditetsrisk ...................................<span class=\"__14 _1c_10\"/><span class=\"fs3_13 ls10_12 ws34_6\"><span class=\"__14 _1ce\">230</span></span> <span class=\"__14 _a_13\"> </span>8.5. <span class=\"__14 _1076\"> </span>Analys av likviditetsrisk......................................<span class=\"__14 _1c_10\"/><span class=\"fs3_13 ls10_12 ws34_6\"><span class=\"__14 _1ce\">230<span class=\"__14 _1ce\"> </span></span></span>1. Riskstyrning<span class=\"__14 _1ce\"> </span> Att uppr\u00e4tth\u00e5lla riskmedv<span class=\"__14 _b_13\"/>etenheten i organisationen \u00e4r en<span class=\"__14 _1ce\"> </span> integr<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">erad del av Nordeas aff</span><span class=\"__14 _b_13\"/>\u00e4rsstrategi. Nordea har ty<span class=\"__14 _b_13\"/>dliga<span class=\"__14 _1ce\"> </span> ramv<span class=\"__14 _1058\"/>erk f\u00f6r sin risk<span class=\"__14 _b_13\"/>- och likviditetshantering med bland annat<span class=\"__14 _1ce\"> </span> policyer och instruk<span class=\"__14 _b_13\"/>tioner f\u00f6r olika typer av risk, kapital<span class=\"__14 _b_13\"/>t\u00e4ck-<span class=\"__14 _1ce\"> </span>ning och kapitalstruk<span class=\"__14 _b_13\"/>tur.<span class=\"__14 _1ce\"> </span>Det os\u00e4kra l\u00e4get och den snabba geopolitiska utvecklingen<span class=\"__14 _1ce\"> </span> medf\u00f6r risk<span class=\"__14 _1058\"/>er i fr\u00e5ga om de ek<span class=\"__14 _1058\"/>onomiska utsikterna. Ex<span class=\"__14 _b_13\"/>empel<span class=\"__14 _1ce\"> </span> \u00e4r kriget i Ukraina, Kinas nolltoler<span class=\"__14 _b_13\"/>ans mot covid-19 i kombina<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>tion med nedg\u00e5ngen p\u00e5 den kinesiska fas<span class=\"__14 _b_13\"/>tighetsmarknaden<span class=\"__14 _1ce\"> </span> samt h\u00f6g in<span class=\"__14 _b_13\"/>flation och d\u00e4rmed stramare penningpolitik.  \u00c5terkommande negativ<span class=\"__14 _b_13\"/>a utbudschocker kan leda till fort-<span class=\"__14 _1ce\"> </span>satt h\u00f6g infla<span class=\"__14 _b_13\"/>tion och samtidigt kraftigt minskad produk<span class=\"__14 _b_13\"/>tion,<span class=\"__14 _1ce\"> </span> med recession som f<span class=\"__14 _b_13\"/>\u00f6ljd. Kraftigt \u00f6kade infla<span class=\"__14 _1058\"/>tionsf\u00f6rv\u00e4n<span class=\"__14 _b_13\"/>t-<span class=\"__14 _1ce\"> </span>ningar bland f\u00f6r<span class=\"__14 _1058\"/>etag och konsumen<span class=\"__14 _1058\"/>ter skulle inneb\u00e4r<span class=\"__14 _1058\"/>a en<span class=\"__14 _1ce\"> </span> bran<span class=\"__14 _1058\"/>tare r\u00e4n<span class=\"__14 _b_13\"/>tekurva.  F\u00f6r a<span class=\"__14 _b_13\"/>tt fortl\u00f6pande bevaka even<span class=\"__14 _b_13\"/>tuella negativa utfall har<span class=\"__14 _1ce\"> </span> Nordea genomf<span class=\"__14 _b_13\"/>\u00f6rt ett antal interna str<span class=\"__14 _b_13\"/>esstester<span class=\"__14 _1c_10\"/>, med fokus p\u00e5<span class=\"__14 _1ce\"> </span> inflation och geopolitisk utv<span class=\"__14 _b_13\"/>eckling. Beroende p\u00e5 hur reger-<span class=\"__14 _1ce\"> </span>ingar och centr<span class=\"__14 _b_13\"/>albanker agerar<span class=\"__14 _b_13\"/>, skulle ett stagflationssc<span class=\"__14 _b_13\"/>enario<span class=\"__14 _1ce\"> </span> kunna pr\u00f6<span class=\"__14 _1058\"/>va Nordeas s\u00e5rbarhet f<span class=\"__14 _b_13\"/>\u00f6r \u00f6kad arbetsl\u00f6shet i kom-<span class=\"__14 _1ce\"> </span>bination med even<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">tuella prisnedg\u00e5ngar p\u00e5 aff\u00e4rs- och<span class=\"__14 _1ce\"> </span></span> bostadsf<span class=\"__14 _b_13\"/>astigheter<span class=\"__14 _b_13\"/>. F\u00f6r Nordea kan ett s\u00e5dan<span class=\"__14 _b_13\"/>t scenario inne-<span class=\"__14 _1ce\"> </span>b\u00e4ra betydande jus<span class=\"__14 _b_13\"/>teringar till verkligt v\u00e4rde till f<span class=\"__14 _1058\"/>\u00f6ljd av<span class=\"__14 _1ce\"> </span> h\u00f6gre r\u00e4n<span class=\"__14 _b_13\"/>tor och st\u00f6rre r\u00e4n<span class=\"__14 _b_13\"/>teskillnader p\u00e5 s\u00e4kerst\u00e4llda obli-<span class=\"__14 _1ce\"> </span>gationer<span class=\"__14 _b_13\"/>, samtidigt som r<span class=\"__14 _b_13\"/>\u00e4ntenettot p\u00e5<span class=\"__14 _b_13\"/>verkas negativt av en<span class=\"__14 _1ce\"> </span> inverterad r<span class=\"__14 _b_13\"/>\u00e4ntekurva och h\u00f6gre riskpremier p\u00e5 den egna<span class=\"__14 _1ce\"> </span> uppl\u00e5ningen. De interna s<span class=\"__14 _b_13\"/>tresstesterna visade a<span class=\"__14 _b_13\"/>tt Nordea har<span class=\"__14 _1ce\"> </span> en motst\u00e5ndskr<span class=\"__14 _b_13\"/>aftig kapital- och likviditetssituation. Nordea<span class=\"__14 _1ce\"> </span> har ocks\u00e5 ut\u00f6kat den f<span class=\"__14 _b_13\"/>or<span class=\"__14 _1072\"/>tl\u00f6pande \u00f6vervakningen a<span class=\"__14 _b_13\"/>v hur kre-<span class=\"__14 _1ce\"> </span>ditrisken utvecklas.  1.<span class=\"__14 _b_13\"/>1 Ramverk f<span class=\"__14 _b_13\"/>\u00f6r intern kon<span class=\"__14 _b_13\"/>troll<span class=\"__14 _1ce\"> </span>Ramverket f<span class=\"__14 _b_13\"/>\u00f6r intern kon<span class=\"__14 _b_13\"/>troll omfa<span class=\"__14 _1058\"/>ttar hela koncernen och<span class=\"__14 _1ce\"> </span> innefa<span class=\"__14 _b_13\"/>ttar koncernstyrelsens, koncernche<span class=\"__14 _1058\"/>fens och h\u00f6gs<span class=\"__14 _b_13\"/>ta led-<span class=\"__14 _1ce\"> </span>ningens ansvar i fr<span class=\"__14 _b_13\"/>\u00e5ga om intern kontr<span class=\"__14 _1058\"/>oll, alla koncernf<span class=\"__14 _1058\"/>unktio-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">ner och aff\u00e4rsomr</span><span class=\"__14 _b_13\"/>\u00e5den, inklusive verksamhet via uppdragsa<span class=\"__14 _b_13\"/>v-<span class=\"__14 _1ce\"> </span>tal och distributionskanaler<span class=\"__14 _1c_10\"/>. Enligt ramverket \u00e4r det respek<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">tive aff</span><span class=\"__14 _b_13\"/>\u00e4r<span class=\"__14 _1072\"/>somr\u00e5de, konc<span class=\"__14 _1058\"/>ernfunk<span class=\"__14 _b_13\"/>tion och enhet som ansvarar<span class=\"__14 _1ce\"> </span> f\u00f6r a<span class=\"__14 _b_13\"/>tt hantera riskerna i den egna verksamhet<span class=\"__14 _b_13\"/>en och ha kon-<span class=\"__14 _1ce\"> </span>troller som s\u00e4kerst\u00e4ll<span class=\"__14 _1058\"/>er att Nordea lev<span class=\"__14 _b_13\"/>er upp till interna och<span class=\"__14 _1ce\"> </span> ext<span class=\"__14 _1058\"/>erna kra<span class=\"__14 _b_13\"/>v. Som en del a<span class=\"__14 _b_13\"/>v ramverk<span class=\"__14 _1058\"/>et f\u00f6r in<span class=\"__14 _b_13\"/>tern kontroll har<span class=\"__14 _1ce\"> </span> Nordea inr\u00e4<span class=\"__14 _1058\"/>ttat kon<span class=\"__14 _b_13\"/>trollfunktioner p\u00e5 konc<span class=\"__14 _b_13\"/>ernniv\u00e5, som i<span class=\"__14 _1ce\"> </span> l\u00e4mplig och tillr\u00e4cklig utstr<span class=\"__14 _b_13\"/>\u00e4ckning har de befogenheter<span class=\"__14 _b_13\"/>, den<span class=\"__14 _1ce\"> </span> betydelse och den tillg\u00e5ng till konc<span class=\"__14 _1058\"/>ernstyrelsen som de beh\u00f6-<span class=\"__14 _1ce\"> </span>ver f<span class=\"__14 _1058\"/>\u00f6r att utf<span class=\"__14 _b_13\"/>\u00f6ra sitt uppdrag i linje med ramverk<span class=\"__14 _b_13\"/>et f\u00f6r risk-<span class=\"__14 _1ce\"> </span>hantering.<span class=\"__14 _1ce\"> </span>Ramverket f<span class=\"__14 _b_13\"/>\u00f6r intern kon<span class=\"__14 _b_13\"/>troll s\u00e4kerst\u00e4ller yttre och inre<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">effek</span><span class=\"__14 _b_13\"/>tivitet i verksamheten, fullgod iden<span class=\"__14 _b_13\"/>ti\ufb01ering, m\u00e4tning och<span class=\"__14 _1ce\"> </span> begr\u00e4nsning a<span class=\"__14 _b_13\"/>v risker<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">, en aktsam aff\u00e4rsverksamhet, sunda<span class=\"__14 _1ce\"> </span></span> administra<span class=\"__14 _b_13\"/>tions- och redovisningsrutiner<span class=\"__14 _b_13\"/>, tillf\u00f6rlitlighet i<span class=\"__14 _1ce\"> </span> \ufb01nansiell och icke-\ufb01nansiell inf<span class=\"__14 _b_13\"/>ormation (b\u00e5de intern och<span class=\"__14 _1ce\"> </span> ext<span class=\"__14 _1058\"/>ern) samt efterl<span class=\"__14 _1058\"/>evnad av g\u00e4llande lagar<span class=\"__14 _1c_10\"/>, f\u00f6rordningar<span class=\"__14 _1c_10\"/>,<span class=\"__14 _1ce\"> </span> standarder<span class=\"__14 _1c_10\"/>, myndighetskrav och k<span class=\"__14 _b_13\"/>oncernens interna regler<span class=\"__14 _b_13\"/>. Internk<span class=\"__14 _b_13\"/>ontrollen utf\u00f6rs a<span class=\"__14 _b_13\"/>v de styrande organen, ledningen,<span class=\"__14 _1ce\"> </span> riskhanteringsf<span class=\"__14 _b_13\"/>unktionerna och annan personal i Nordea.<span class=\"__14 _1ce\"> </span> Internk<span class=\"__14 _b_13\"/>ontrollen har fem huvudkomponen<span class=\"__14 _b_13\"/>ter: kontrollmilj\u00f6<span class=\"__14 _b_13\"/>,<span class=\"__14 _1ce\"> </span> riskbed\u00f6mning, kontr<span class=\"__14 _b_13\"/>ollaktiviteter<span class=\"__14 _b_13\"/>, inf<span class=\"__14 _b_13\"/>ormation och kommuni-<span class=\"__14 _1ce\"> </span>kation sam<span class=\"__14 _1058\"/>t uppf<span class=\"__14 _1058\"/>\u00f6ljning. Den har utforma<span class=\"__14 _b_13\"/>ts s\u00e5 att det i hela<span class=\"__14 _1ce\"> </span> organisationen ska \ufb01nnas f<span class=\"__14 _b_13\"/>\u00f6ruts\u00e4ttningar att bidra till den<span class=\"__14 _1ce\"> </span> interna k<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ontrollens effek</span><span class=\"__14 _b_13\"/>tivitet och h\u00f6ga kvalitet genom bland<span class=\"__14 _1ce\"> </span> annat tydliga de\ufb01nitioner<span class=\"__14 _1c_10\"/>, f\u00f6rdelning a<span class=\"__14 _b_13\"/>v roller och ansvarsom-<span class=\"__14 _1ce\"> </span>r\u00e5den sam<span class=\"__14 _1058\"/>t gemensamma verk<span class=\"__14 _1058\"/>tyg och rutiner<div class=\"t_14 m0_14 h1_14 ff1_14 fs0_14 fc0_14 sc0_14 ls0_14 ws0_14\" style=\"left:0.002374649px; bottom:2.1012287px;\">196<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc0_14 sc0_14 ls0_14 ws1_14\" style=\"left:44.310143px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h3_13 ff2_14 fs1_13 fc0_14 sc0_14 ls1_14 ws2_13\" style=\"left:48.511353px; bottom:1029.1447px;\">Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span></div><div class=\"t_14 m0_14 h8_13 ff2_14 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:951.164px;\">1.2 Beslutsfa<span class=\"__14 _1058\"/>ttande organ f<span class=\"__14 _b_13\"/>\u00f6r risk-, </div><div class=\"t_14 m0_14 h8_13 ff2_14 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:937.6388px;\"> likviditets- och kapitalhan<span class=\"__14 _b_13\"/>tering<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:924.1057px;\">Koncerns<span class=\"__14 _b_13\"/>tyrelsen, styrelsens riskkommitt\u00e9, Nor<span class=\"__14 _b_13\"/>deas koncern-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:910.5805px;\">chef i koncernledningen, <span class=\"__14 _b_13\"/>Asset and Liability Committee </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:897.0553px;\">(AL<span class=\"__14 _b_13\"/>CO) och riskkommitt\u00e9n \u00e4r vik<span class=\"__14 _b_13\"/>tiga beslutsfattande organ </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:883.5301px;\">f\u00f6r Nor<span class=\"__14 _1058\"/>deas risk- och kapit<span class=\"__14 _1058\"/>alhantering. D\u00e4rut<span class=\"__14 _1058\"/>\u00f6ver \u00e4r CE<span class=\"__14 _b_13\"/>O Cre-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:870.0049px;\">dit Committee, Ex<span class=\"__14 _1058\"/>ecutive Credit Committee och </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:856.4797px;\"> <span class=\"__14 _d_13\"/><span class=\"__14 _1ce\">kreditkommitt\u00e9er i aff</span><span class=\"__14 _b_13\"/>\u00e4r<span class=\"__14 _1072\"/>somr\u00e5dena vik<span class=\"__14 _1058\"/>tiga instanser f<span class=\"__14 _b_13\"/>\u00f6r </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws35_6\" style=\"left:44.310143px; bottom:842.95447px;\"> kreditbeslut.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h9_13 ff3_13 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:815.87305px;\">Koncerns<span class=\"__14 _b_13\"/>tyrelsen och styrelsens riskkommitt\u00e9<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:802.34393px;\">Koncerns<span class=\"__14 _b_13\"/>tyrelsen har f\u00f6ljande \u00f6ver<span class=\"__14 _b_13\"/>gripande ansvar f\u00f6r risk<span class=\"__14 _1058\"/>-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:788.8187px;\">hanteringen:<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:775.2935px;\">\u2022 <span class=\"__14 _1f_10\"> </span>Besluta om koncernens risks<span class=\"__14 _b_13\"/>trategi och ramv<span class=\"__14 _b_13\"/>erket f\u00f6r risk-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:57.205498px; bottom:761.7683px;\">tolerans, inklusiv<span class=\"__14 _b_13\"/>e riskf\u00f6rklaringar<span class=\"__14 _b_13\"/>, med \u00e5tminstone \u00e5rliga </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:57.205498px; bottom:748.2431px;\">uppf\u00f6ljningar och ytt<span class=\"__14 _b_13\"/>erligare uppdateringar n\u00e4r s\u00e5 beh\u00f6vs.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:734.7179px;\">\u2022 <span class=\"__14 _1f_10\"> </span>\u00d6vervaka och f<span class=\"__14 _b_13\"/>\u00f6lja upp inf\u00f6randet a<span class=\"__14 _b_13\"/>v riskstrategin, r<span class=\"__14 _b_13\"/>amver-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:57.205498px; bottom:721.19275px;\">ket f<span class=\"__14 _1058\"/>\u00f6r risktoler<span class=\"__14 _b_13\"/>ans och ramverket f<span class=\"__14 _b_13\"/>\u00f6r riskhantering samt </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:57.205498px; bottom:707.66754px;\">regelbundet utv\u00e4r<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">dera om koncernen har eff</span><span class=\"__14 _b_13\"/>ektiva och </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:57.205498px; bottom:694.14233px;\">l\u00e4mpliga kontr<span class=\"__14 _b_13\"/>oller f\u00f6r att hant<span class=\"__14 _1058\"/>era riskerna.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:667.0809px;\">Koncerns<span class=\"__14 _b_13\"/>tyrelsen beslutar om koncerndirek<span class=\"__14 _b_13\"/>tivet Group Board </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:653.55566px;\">Directive on Capital, d\u00e4r \u00e4v<span class=\"__14 _b_13\"/>en utdelningspolicyn ing\u00e5r<span class=\"__14 _b_13\"/>. Direkti-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:640.03046px;\">vet ska s\u00e4kerst\u00e4lla a<span class=\"__14 _b_13\"/>tt koncernen fortl\u00f6pande och fram\u00e5<span class=\"__14 _b_13\"/>t-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:626.50525px;\">blickande har tillr\u00e4ckliga kapitalniv<span class=\"__14 _b_13\"/>\u00e5er, som \u00e4r f<span class=\"__14 _b_13\"/>\u00f6renliga med </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:612.98004px;\"><span class=\"__14 _1ce\">Nordeas aff</span><span class=\"__14 _b_13\"/>\u00e4r<span class=\"__14 _1072\"/>smodell, risktolerans liks<span class=\"__14 _1058\"/>om lagkra<span class=\"__14 _b_13\"/>v och f\u00f6r-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:599.4549px;\">v\u00e4n<span class=\"__14 _1058\"/>tningar<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:57.205498px; bottom:585.9297px;\">Styrelsens riskkommitt\u00e9 bitr<span class=\"__14 _b_13\"/>\u00e4der koncernstyrelsen i dess </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:572.4045px;\">tillsyn \u00f6ver han<span class=\"__14 _b_13\"/>teringen och kontrollen a<span class=\"__14 _b_13\"/>v risker<span class=\"__14 _b_13\"/>, ramverk f<span class=\"__14 _b_13\"/>\u00f6r </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:558.8793px;\">risk samt kon<span class=\"__14 _b_13\"/>troller och processer a<span class=\"__14 _b_13\"/>vseende Nordea-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:545.35406px;\">koncernens verksamhet.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h9_13 ff3_13 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:518.23285px;\">V<span class=\"__14 _1058\"/>erkst\u00e4llande direk<span class=\"__14 _b_13\"/>t\u00f6r och koncernchef<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:504.70374px;\">Koncernchef<span class=\"__14 _b_13\"/>en ansvarar inf<span class=\"__14 _b_13\"/>\u00f6r koncernstyrelsen f<span class=\"__14 _b_13\"/>\u00f6r den \u00f6ver-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:491.17853px;\">gripande f\u00f6rvaltningen a<span class=\"__14 _b_13\"/>v koncernens verksamhet och risker<span class=\"__14 _1c_10\"/>. </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:477.65332px;\">Bland annat ska koncernche<span class=\"__14 _1058\"/>fen s\u00e4k<span class=\"__14 _1058\"/>erst\u00e4lla att den riskstr<span class=\"__14 _b_13\"/>a-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:464.1281px;\">tegi och riskhant<span class=\"__14 _1058\"/>ering som besluta<span class=\"__14 _1058\"/>ts av k<span class=\"__14 _1058\"/>oncernstyrels<span class=\"__14 _1058\"/>en </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:450.6029px;\">genomf<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>s, att n\u00f6dv\u00e4ndiga pr<span class=\"__14 _b_13\"/>aktiska \u00e5tg\u00e4rder vidtas och a<span class=\"__14 _b_13\"/>tt </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:437.07773px;\">riskerna f<span class=\"__14 _1058\"/>\u00f6ljs upp och begr\u00e4nsas. </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:57.205498px; bottom:423.55252px;\">Koncernchef<span class=\"__14 _b_13\"/>en arbetar tillsammans med ledande befatt-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 wsc_13\" style=\"left:44.310143px; bottom:410.0273px;\">ningshav<span class=\"__14 _b_13\"/>are i koncernledningen. Dessa st\u00f6djer konc<span class=\"__14 _b_13\"/>ernchefen </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:396.5021px;\">i dennes beslut. Fr\u00e5gor som sk<span class=\"__14 _1058\"/>a beslutas a<span class=\"__14 _b_13\"/>v koncernstyrelsen, </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:382.97693px;\">liksom principfr<span class=\"__14 _b_13\"/>\u00e5gor eller andra fr\u00e5gor a<span class=\"__14 _1058\"/>v s\u00e4rskild vikt som </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:369.45172px;\">ska beslutas a<span class=\"__14 _b_13\"/>v styrelserna i Nordea Bank <span class=\"__14 _1058\"/>Abp: st\u00f6rre do<span class=\"__14 _b_13\"/>tter-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:355.9265px;\">f\u00f6r<span class=\"__14 _1058\"/>etag, ska f\u00f6rs<span class=\"__14 _1058\"/>t presen<span class=\"__14 _b_13\"/>teras f\u00f6r konc<span class=\"__14 _1058\"/>ernchefen, f<span class=\"__14 _b_13\"/>\u00f6r diskus-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:342.4013px;\">sion och rekommendation.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:57.205498px; bottom:328.87613px;\">S\u00e4rskilda koncernkommitt\u00e9er har inr<span class=\"__14 _b_13\"/>\u00e4ttats f\u00f6r a<span class=\"__14 _1058\"/>tt fr\u00e4mja </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:315.35092px;\">samordningen inom koncernen, och p\u00e5 s\u00e5 s\u00e4<span class=\"__14 _b_13\"/>tt s\u00e4kerst\u00e4lla </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:301.8257px;\">\u00e5tagande och \u00e4garskap f<span class=\"__14 _1058\"/>\u00f6r koncernens prioriteringar<span class=\"__14 _1c_10\"/>, beslut </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:288.3005px;\">och genomf<span class=\"__14 _b_13\"/>\u00f6rande. Kommitt\u00e9ernas sammans\u00e4ttning och </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:274.77533px;\">ansvarsomr\u00e5den har f<span class=\"__14 _b_13\"/>astst\u00e4llts i koncernins<span class=\"__14 _b_13\"/>truktioner f\u00f6r re<span class=\"__14 _1058\"/>s-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:261.25012px;\">pektiv<span class=\"__14 _1058\"/>e kommitt\u00e9.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h9_13 ff3_13 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:234.1217px;\">Asset and Liability Committee<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls11_12 ws0_14\" style=\"left:44.310143px; bottom:220.59248px;\">Asset and Liability Committee (AL<span class=\"__14 _b_13\"/>CO) \u00e4r underst\u00e4lld k<span class=\"__14 _1058\"/>oncern<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls11_12 ws0_14\" style=\"left:44.310143px; bottom:207.06729px;\">chefen och leds a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">v koncernens Chief Financial Officer</span><span class=\"__14 _b_13\"/>. AL<span class=\"__14 _b_13\"/>CO </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls11_12 ws0_14\" style=\"left:44.310143px; bottom:193.54208px;\">beslutar om f<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar i den \ufb01nansiella verksamheten och </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls11_12 ws0_14\" style=\"left:44.310143px; bottom:180.01689px;\">riskpro\ufb01len i balansr\u00e4kningen, inkl<span class=\"__14 _b_13\"/>usive f\u00f6rvaltningen a<span class=\"__14 _b_13\"/>v till<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls11_12 ws0_14\" style=\"left:44.310143px; bottom:166.49168px;\">g\u00e5ngar och skulder<span class=\"__14 _b_13\"/>, hanteringen a<span class=\"__14 _b_13\"/>v balansr\u00e4kningen och likvi<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls11_12 ws0_14\" style=\"left:44.310143px; bottom:152.96649px;\">ditetshant<span class=\"__14 _1058\"/>eringen. AL<span class=\"__14 _b_13\"/>CO beslutar ocks\u00e5 om vissa emissioner </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls11_12 ws0_14\" style=\"left:44.310143px; bottom:139.44128px;\">och kapitaltillsko<span class=\"__14 _b_13\"/>tt f\u00f6r alla hel\u00e4gda koncernf<span class=\"__14 _b_13\"/>\u00f6retag. AL<span class=\"__14 _b_13\"/>CO har </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls11_12 ws0_14\" style=\"left:44.310143px; bottom:125.91609px;\">bildat underor<span class=\"__14 _1058\"/>dnade kommitt\u00e9er f<span class=\"__14 _b_13\"/>\u00f6r sitt arbete och beslutsfat<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls11_12 ws0_14\" style=\"left:44.310143px; bottom:112.390884px;\">tande inom speci\ufb01ka riskomr\u00e5den. </div><div class=\"t_14 m0_14 h9_13 ff3_13 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:951.164px;\">Riskkommitt\u00e9n<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws10_13\" style=\"left:364.9086px; bottom:937.63495px;\">Riskkommitt\u00e9n \u00e4r underst\u00e4lld k<span class=\"__14 _1058\"/>oncernchef<span class=\"__14 _1058\"/>en och leds av k<span class=\"__14 _b_13\"/>on<span class=\"ws0_14\">-<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:924.10974px;\"><span class=\"__14 _1ce\">cernens Chief Risk Officer</span><span class=\"__14 _1c_10\"/>. Riskkommitt\u00e9n sk\u00f6ter det \u00f6v<span class=\"__14 _1058\"/>ergri-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:910.58453px;\">pande ramv<span class=\"__14 _1058\"/>erket f<span class=\"__14 _1058\"/>\u00f6r riskhantering och f<span class=\"__14 _b_13\"/>\u00f6rbereder eller ger </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:897.0593px;\">v\u00e4gledning om f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>slag till koncernchef<span class=\"__14 _b_13\"/>en i koncernledningen </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:883.5341px;\">och/<span class=\"__14 _1058\"/>eller koncernstyr<span class=\"__14 _b_13\"/>elsen i viktiga  <span class=\"__14 _d_13\"/>fr\u00e5gor som r\u00f6r Nordeas </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:870.0089px;\">ramv<span class=\"__14 _1058\"/>erk f\u00f6r riskhan<span class=\"__14 _b_13\"/>tering. Koncern <span class=\"__14 _d_13\"/>styrelsen beslutar om r<span class=\"__14 _b_13\"/>am-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:856.4837px;\">verket f<span class=\"__14 _b_13\"/>\u00f6r risktolerans. Riskkommitt<span class=\"__14 _b_13\"/>\u00e9n f\u00f6rdelar risktol<span class=\"__14 _1058\"/>eransen </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:842.9585px;\">mellan de risktagande enhet<span class=\"__14 _1058\"/>erna, och f\u00f6rst<span class=\"__14 _1058\"/>a f\u00f6rsvarslinjen </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:829.4333px;\">ska s\u00e4kerst\u00e4lla att in<span class=\"__14 _b_13\"/>formation om limiterna deleger<span class=\"__14 _b_13\"/>as och att </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:815.90814px;\">de inf<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>s i verksamheten. Riskkommitt<span class=\"__14 _1058\"/>\u00e9n har bildat underord-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:802.38293px;\">nade kommitt\u00e9er f<span class=\"__14 _b_13\"/>\u00f6r sitt arbete och beslutsfattande inom </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:788.8577px;\">speci\ufb01ka riskomr\u00e5den.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h9_13 ff3_13 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:761.7566px;\">Instans<span class=\"__14 _1058\"/>er f\u00f6r<span class=\"__14 _1058\"/> kreditbeslut<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:748.22754px;\">Koncerns<span class=\"__14 _b_13\"/>tyrelsen, styrelsens riskkommitt\u00e9 och riskk<span class=\"__14 _b_13\"/>ommitt\u00e9n </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:734.70233px;\">utg\u00f6r styr<span class=\"__14 _1058\"/>ande organ f<span class=\"__14 _1058\"/>\u00f6r kreditrisk och ram<span class=\"__14 _1058\"/>verket f<span class=\"__14 _b_13\"/>\u00f6r kredi-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:721.1771px;\">triskhantering. K<span class=\"__14 _b_13\"/>oncernstyrelsen och de lokala styr<span class=\"__14 _b_13\"/>elserna </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:707.6519px;\">delegerar kreditbesl<span class=\"__14 _1058\"/>ut i enlighet med de befogenhet<span class=\"__14 _1058\"/>er som </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:694.1267px;\">beskrivs i koncerndirek<span class=\"__14 _b_13\"/>tivet Group Board Directive on Risk.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:680.6015px;\">\u2022 <span class=\"__14 _1f_10\"> </span>CEO Cr<span class=\"__14 _b_13\"/>edit Committee leds av koncernchef<span class=\"__14 _b_13\"/>en och innefat-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:377.80396px; bottom:667.0763px;\">tar samtliga medlemmar i Ex<span class=\"__14 _b_13\"/>ecutive Credit Committee.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:653.55115px;\">\u2022 <span class=\"__14 _1f_10\"> </span>Executiv<span class=\"__14 _1058\"/>e Credit Committee leds a<span class=\"__14 _b_13\"/>v chefen f\u00f6r Gr<span class=\"__14 _b_13\"/>oup Cred-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:377.80396px; bottom:640.02594px;\">it Management. Det \u00e4r styrelsens riskk<span class=\"__14 _1058\"/>ommitt\u00e9 som utser </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:377.80396px; bottom:626.50073px;\">medlemmarna i Executiv<span class=\"__14 _1058\"/>e Credit Committee.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:612.9755px;\">\u2022 <span class=\"__14 _1f_10\"> </span>Kreditkommitt\u00e9er i a<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ff\u00e4rsomr\u00e5dena: Ex</span><span class=\"__14 _b_13\"/>ecutive Credit Com-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:377.80396px; bottom:599.4503px;\">mittee inr\u00e4<span class=\"__14 _1058\"/>ttar kreditkommitt\u00e9er f<span class=\"__14 _b_13\"/>\u00f6r respektive a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ff\u00e4rsom-<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:377.80396px; bottom:585.9251px;\">r\u00e5de utifr<span class=\"__14 _b_13\"/>\u00e5n organisation och kundsegment<span class=\"__14 _1058\"/>ering.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h9_13 ff3_13 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:558.82px;\">Styrning i dott<span class=\"__14 _b_13\"/>er<span class=\"__14 _1072\"/>f\u00f6retagen<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:545.291px;\">P\u00e5 do<span class=\"__14 _1058\"/>tterf\u00f6r<span class=\"__14 _1058\"/>etagsniv\u00e5 \u00e4r det den lokala s<span class=\"__14 _1058\"/>tyrelsen som god-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:531.7658px;\">k\u00e4nner riskt<span class=\"__14 _1058\"/>oleranslimiter och kapital\u00e5<span class=\"__14 _b_13\"/>tg\u00e4rder<span class=\"__14 _b_13\"/>. Beslutsunder-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:518.2406px;\">lag i s\u00e5dana fr\u00e5gor tas f<span class=\"__14 _b_13\"/>ram av det ak<span class=\"__14 _1058\"/>tuella dotterf<span class=\"__14 _1058\"/>\u00f6retagets </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:504.7154px;\">ledning, med st\u00f6d fr<span class=\"__14 _b_13\"/>\u00e5n relevanta k<span class=\"__14 _b_13\"/>oncernfunktioner<span class=\"__14 _1c_10\"/>.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:377.80396px; bottom:491.19025px;\">Dotterf<span class=\"__14 _1058\"/>\u00f6retagets styr<span class=\"__14 _1058\"/>else ansvar<span class=\"__14 _1058\"/>ar f\u00f6r a<span class=\"__14 _1058\"/>tt \u00f6vervaka han<span class=\"__14 _b_13\"/>te-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:477.665px;\">ringen och kontr<span class=\"__14 _b_13\"/>ollen av risker<span class=\"__14 _b_13\"/>, ramverk<span class=\"__14 _b_13\"/>et f\u00f6r riskhantering </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:464.13983px;\">samt verksamhetspr<span class=\"__14 _b_13\"/>ocesserna i dotterf\u00f6ret<span class=\"__14 _1058\"/>aget. Det \ufb01nns </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:450.61462px;\">ocks\u00e5 riskhanteringsf<span class=\"__14 _b_13\"/>unktioner som ansvarar f<span class=\"__14 _b_13\"/>\u00f6r ramverket </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:437.08942px;\">och processerna f<span class=\"__14 _b_13\"/>\u00f6r riskhantering i dotterf<span class=\"__14 _b_13\"/>\u00f6retaget<span class=\"__14 _1072\"/>.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:377.80396px; bottom:423.5642px;\">Dotterf<span class=\"__14 _1058\"/>\u00f6retagets vd del<span class=\"__14 _1058\"/>tar i besluten p\u00e5 do<span class=\"__14 _1058\"/>tterf\u00f6ret<span class=\"__14 _1058\"/>agsniv\u00e5 </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:410.03903px;\">och ansvarar f<span class=\"__14 _b_13\"/>\u00f6r den dagliga verksamheten.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h8_13 ff2_14 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:382.94183px;\">1.3 Styrning av riskhan<span class=\"__14 _b_13\"/>tering och regelefterlevnad<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:369.41272px;\">Group Risk och Group Compliance ut<span class=\"__14 _b_13\"/>g\u00f6r Nordeas oberoende </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:355.8875px;\">andra f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>svarslinje. Den andra f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>svarslinjen \u00e4r organiserad </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:342.3623px;\">p\u00e5 ett s\u00e4tt som s\u00e4kerst<span class=\"__14 _1058\"/>\u00e4ller tillr\u00e4ckliga resurser f<span class=\"__14 _b_13\"/>\u00f6r be\ufb01ntliga </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:328.83713px;\">processer och speglar Nor<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">deas aff\u00e4rsor</span><span class=\"__14 _b_13\"/>ganisation, koncern-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:315.31192px;\">struk<span class=\"__14 _1058\"/>tur och landsindelning. Group Risk \u00f6v<span class=\"__14 _1058\"/>ervakar inf<span class=\"__14 _b_13\"/>\u00f6randet </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:301.7867px;\">av k<span class=\"__14 _b_13\"/>oncernens riskpolicyer (utom f\u00f6r regeleft<span class=\"__14 _b_13\"/>erlevnadsrisk), </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:288.2615px;\">samt \u00f6v<span class=\"__14 _b_13\"/>er<span class=\"__14 _1072\"/>vakar och kon<span class=\"__14 _b_13\"/>trollerar<span class=\"__14 _b_13\"/>, enligt ett riskbaserat f<span class=\"__14 _b_13\"/>\u00f6rh\u00e5ll-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:274.73633px;\">ningss\u00e4tt, ramverk<span class=\"__14 _1058\"/>et f\u00f6r riskhan<span class=\"__14 _b_13\"/>tering. Group Compliance </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:261.21112px;\">\u00f6vervakar in<span class=\"__14 _b_13\"/>f\u00f6randet a<span class=\"__14 _b_13\"/>v ramverket f<span class=\"__14 _b_13\"/>\u00f6r hantering av r<span class=\"__14 _1058\"/>egelef-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:247.68591px;\">terlevnadsrisk, som \u00e4r en del a<span class=\"__14 _1058\"/>v det \u00f6ver<span class=\"__14 _1058\"/>gripande ramv<span class=\"__14 _1058\"/>erket </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:234.1607px;\">f\u00f6r riskhan<span class=\"__14 _b_13\"/>tering. </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:377.80396px; bottom:220.63551px;\">Ramverket f<span class=\"__14 _b_13\"/>\u00f6r riskhantering s\u00e4kerst\u00e4ller k<span class=\"__14 _b_13\"/>onsekventa pro-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:207.11032px;\">cesser f<span class=\"__14 _b_13\"/>\u00f6r att kartl\u00e4gga, bed\u00f6ma och m\u00e4ta risker<span class=\"__14 _b_13\"/>, liksom f\u00f6r </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:193.58511px;\">att reager<span class=\"__14 _1058\"/>a p\u00e5 och begr\u00e4nsa, kon<span class=\"__14 _b_13\"/>trollera och \u00f6vervaka sam<span class=\"__14 _b_13\"/>t </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:180.05992px;\">rapportera risker s\u00e5 a<span class=\"__14 _b_13\"/>tt v\u00e4lgrundade beslut om risktagande </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:166.53471px;\">kan fa<span class=\"__14 _b_13\"/>ttas. Det omfattar alla risk<span class=\"__14 _b_13\"/>er som Nordea \u00e4r eller skulle </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:153.00952px;\">kunna var<span class=\"__14 _b_13\"/>a exponerad f\u00f6r<span class=\"__14 _1c_10\"/>, inklusive ESG-fakt<span class=\"__14 _b_13\"/>orer som k\u00e4lla </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:139.48431px;\">till be\ufb01ntliga risker<span class=\"__14 _1c_10\"/>, risker utanf<span class=\"__14 _1058\"/>\u00f6r balansr\u00e4kningen och risker i </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:125.95912px;\">ett stressa<span class=\"__14 _b_13\"/>t scenario. Detaljerade rapporter om sam<span class=\"__14 _b_13\"/>tliga risker </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:112.433914px;\">l\u00e4mnas regelbundet till riskkommitt\u00e9n, k<span class=\"__14 _1058\"/>oncernledningen, </div><div class=\"t_14 m0_14 ha_13 ff3_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:986.27924px;\">K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h1_14 ff1_14 fs0_14 fc0_14 sc0_14 ls12_11 ws36_5\" style=\"left:656.0268px; bottom:2.1012287px;\">197<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc0_14 sc0_14 ls0_14 ws1_14\" style=\"left:497.5244px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h3_13 ff2_14 fs1_13 fc0_14 sc0_14 ls1_14 ws2_13\" style=\"left:4.2144775px; bottom:1029.1447px;\">Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span></div><div class=\"t_14 m0_14 ha_13 ff3_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:986.27924px;\">K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:951.6515px;\">styrelsens riskk<span class=\"__14 _1058\"/>ommitt\u00e9 och koncerns<span class=\"__14 _b_13\"/>tyrelsen. Vidare l\u00e4mnas </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:938.12634px;\">rapporter om Nordeas regeleft<span class=\"__14 _b_13\"/>erlevnad till riskkommitt\u00e9n, </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:924.60114px;\">koncernledningen, styr<span class=\"__14 _b_13\"/>elsens riskkommitt\u00e9 och koncernsty-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:911.0759px;\">relsen. K<span class=\"__14 _1058\"/>oncernstyrels<span class=\"__14 _1058\"/>en och verkst\u00e4llande dir<span class=\"__14 _b_13\"/>ekt\u00f6ren i de </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:897.5507px;\">enskilda Nordeabolagen f<span class=\"__14 _1058\"/>\u00e5r regelbundna riskrapporter som </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:884.0255px;\">r\u00f6r lokala f<span class=\"__14 _b_13\"/>\u00f6rh\u00e5llanden.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:12.908623px; bottom:870.5003px;\">Processen f<span class=\"__14 _b_13\"/>\u00f6r kartl\u00e4ggning och v\u00e4sentlighetsbed\u00f6mning </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:856.9751px;\">av risk<span class=\"__14 _b_13\"/>er inleds med att identi\ufb01era risker som Nor<span class=\"__14 _b_13\"/>dea \u00e4r eller </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:843.4499px;\">skulle kunna v<span class=\"__14 _b_13\"/>ara exponerad f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1058\"/>. Riskerna bed\u00f6ms f<span class=\"__14 _1058\"/>\u00f6r att </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:829.92474px;\">fas<span class=\"__14 _1058\"/>tst\u00e4lla rele<span class=\"__14 _1058\"/>vans, klassi\ufb01cer<span class=\"__14 _1058\"/>as sedan och registr<span class=\"__14 _b_13\"/>eras i den </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:816.39954px;\">gemensamma risktax<span class=\"__14 _b_13\"/>onomin.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:12.908623px; bottom:802.8743px;\">Alla risker i Nordea gemensamma risk<span class=\"__14 _b_13\"/>taxonomi m\u00e5ste, i </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:789.3491px;\">risk- och kapitalhan<span class=\"__14 _b_13\"/>teringssyfte, klassi\ufb01ceras som v\u00e4sen<span class=\"__14 _b_13\"/>tliga </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:775.8239px;\">eller icke-v\u00e4sen<span class=\"__14 _b_13\"/>tliga. V\u00e4sen<span class=\"__14 _b_13\"/>tliga risker \u00e4r risker som bed\u00f6ms </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:762.2987px;\">ha en v\u00e4sen<span class=\"__14 _b_13\"/>tlig inverkan p\u00e5 Nordeas aktuella och f<span class=\"__14 _b_13\"/>ramtida </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:748.7735px;\">\ufb01nansiella st\u00e4llning, p\u00e5 dess kunder och \u00f6<span class=\"__14 _b_13\"/>vriga intressent<span class=\"__14 _b_13\"/>er. </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:735.2483px;\">Dessa risker kan normalt h\u00e4n<span class=\"__14 _b_13\"/>f\u00f6ras till en h\u00f6gre niv<span class=\"__14 _1058\"/>\u00e5 i risktax<span class=\"__14 _b_13\"/>o-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:721.72314px;\">nomin, som inrymmer ett antal underliggande risker d\u00e4r f<span class=\"__14 _b_13\"/>\u00f6r-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:708.19794px;\">lusterna har en gemensam n\u00e4mnar<span class=\"__14 _b_13\"/>e.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h9_13 ff3_13 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:681.0694px;\">Riskt<span class=\"__14 _1058\"/>olerans<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:667.5404px;\">Ramverket f<span class=\"__14 _b_13\"/>\u00f6r risktolerans bidr<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ar till effektiv riskhan</span><span class=\"__14 _b_13\"/>tering </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:654.0152px;\">och en sund riskkultur genom a<span class=\"__14 _1058\"/>tt m\u00f6jligg\u00f6ra v\u00e4lgrundade </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:640.49px;\">beslut om riskt<span class=\"__14 _b_13\"/>agande. Syftet \u00e4r att s\u00e4kerst\u00e4lla att riskerna </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:626.96484px;\"><span class=\"__14 _1ce\">i verksamheten h\u00e5ller sig inom bankens kapacit</span><span class=\"__14 _b_13\"/>et f\u00f6r risk-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:613.43964px;\">tagande.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:12.908623px; bottom:599.9144px;\">Kapacitet f<span class=\"__14 _b_13\"/>\u00f6r risktagande \u00e4r den maximala risken som </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:586.3892px;\">Nordea bed\u00f6ms kunna ta, med h\u00e4nsyn till sitt kapit<span class=\"__14 _1058\"/>al (kapital-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:572.864px;\">bas), sin riskhanterings- och k<span class=\"__14 _b_13\"/>ontrollkapacitet och g\u00e4llande </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:559.3388px;\">regleringsbegr\u00e4nsningar<span class=\"__14 _1c_10\"/>. Risktolerans \u00e4r den samman<span class=\"__14 _b_13\"/>tagna </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:545.8136px;\">niv\u00e5n f<span class=\"__14 _b_13\"/>\u00f6r alla typer av risk som Nordea \u00e4r villig att acc<span class=\"__14 _b_13\"/>eptera </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:532.2884px;\">inom sin kapacitet f<span class=\"__14 _1058\"/>\u00f6r risktagande, och i linje med sin a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ff\u00e4rs-<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:518.76324px;\">modell, f\u00f6r att n\u00e5 sina s<span class=\"__14 _b_13\"/>trategiska m\u00e5l. Riskf\u00f6rklaringarna \u00e4r </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:505.23804px;\">koncernstyr<span class=\"__14 _b_13\"/>elsens formulering av godk\u00e4nd risk<span class=\"__14 _b_13\"/>tolerans och </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:491.71283px;\">utg\u00f6rs av kv<span class=\"__14 _b_13\"/>alitativa f\u00f6rklaringar och kv<span class=\"__14 _b_13\"/>antitativa limiter och </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:478.18762px;\">tr\u00f6sklar per huvudsaklig risktyp s<span class=\"__14 _b_13\"/>om anses l\u00e4mpliga f\u00f6r att </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:464.6624px;\">kunna bedriva v<span class=\"__14 _b_13\"/>erksamheten med en v\u00e4l avv\u00e4gd riskpr<span class=\"__14 _b_13\"/>o\ufb01l.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:12.908623px; bottom:451.1372px;\">Kreditrelat<span class=\"__14 _b_13\"/>erad koncentr<span class=\"__14 _1058\"/>ationsrisk m\u00e4ts p\u00e5 e<span class=\"__14 _b_13\"/>xempelvis sek<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:437.61203px;\">tor- och regionniv\u00e5 f<span class=\"__14 _b_13\"/>\u00f6r att fas<span class=\"__14 _1058\"/>tst\u00e4lla st<span class=\"__14 _1058\"/>orlek och betydelse. F<span class=\"__14 _b_13\"/>\u00f6r </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:424.08682px;\">kredit-, marknads- och likviditetsrisk anv<span class=\"__14 _b_13\"/>\u00e4nds olika m\u00e5tt fr\u00e5n </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:410.5616px;\">stress<span class=\"__14 _b_13\"/>tester f\u00f6r a<span class=\"__14 _b_13\"/>tt s\u00e4kerst\u00e4lla en fram\u00e5tblickande riskhan<span class=\"__14 _b_13\"/>te-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:397.0364px;\">ring. M\u00e5tten f<span class=\"__14 _b_13\"/>\u00f6r operativ risk omf<span class=\"__14 _b_13\"/>attar b\u00e5de kvarst\u00e5ende risk<span class=\"__14 _1058\"/>-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:383.51123px;\">niv\u00e5er och kra<span class=\"__14 _b_13\"/>v p\u00e5 riskbegr\u00e4nsande \u00e5tg\u00e4rder liks<span class=\"__14 _1058\"/>om limiter </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:369.98602px;\">f\u00f6r f<span class=\"__14 _b_13\"/>\u00f6rluster fr\u00e5n inciden<span class=\"__14 _b_13\"/>ter<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h9_13 ff3_13 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:342.842px;\">Processer f<span class=\"__14 _b_13\"/>\u00f6r risktolerans<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:329.31293px;\">Ramverket f<span class=\"__14 _b_13\"/>\u00f6r risktolerans inneh\u00e5ller alla pr<span class=\"__14 _b_13\"/>ocesser och kon-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:315.78772px;\">troller f<span class=\"__14 _1058\"/>\u00f6r att f<span class=\"__14 _1058\"/>astst\u00e4lla, f<span class=\"__14 _b_13\"/>\u00f6lja upp och kommunicera Nordeas </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:302.2625px;\">risktoler<span class=\"__14 _b_13\"/>ans:<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:288.7373px;\">\u2022 <span class=\"__14 _1f_10\"> </span>F<span class=\"__14 _b_13\"/>astst\u00e4llande av k<span class=\"__14 _1058\"/>apacitet f<span class=\"__14 _1058\"/>\u00f6r risktagande utif<span class=\"__14 _b_13\"/>r\u00e5n kapital-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:12.908623px; bottom:275.21213px;\">position: En g\u00e5ng per \u00e5r anpassas koncernens \u00f6v<span class=\"__14 _b_13\"/>ergri-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:12.908623px; bottom:261.68692px;\">pande kapacitet f<span class=\"__14 _1058\"/>\u00f6r risktagande till \ufb01nans- och kapit<span class=\"__14 _1058\"/>al-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:12.908623px; bottom:248.16171px;\">planeringen, baserat Nor<span class=\"__14 _b_13\"/>deas riskstrategi. Kapacit<span class=\"__14 _b_13\"/>eten f\u00f6r </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:12.908623px; bottom:234.6365px;\">risktagande f<span class=\"__14 _b_13\"/>astst\u00e4lls utifr<span class=\"__14 _1058\"/>\u00e5n Nordeas kapitalposition, och </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:12.908623px; bottom:221.11131px;\">innefa<span class=\"__14 _b_13\"/>ttar f\u00f6rm\u00e5gan att absorbera chock<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>. </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:951.68207px;\">\u2022 <span class=\"__14 _1f_10\"> </span>F\u00f6r<span class=\"__14 _1058\"/>delning av risk<span class=\"__14 _b_13\"/>tolerans per risktyp: Risk<span class=\"__14 _b_13\"/>toleransen </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:938.15686px;\">innefa<span class=\"__14 _b_13\"/>ttar risktoleranslimiter f<span class=\"__14 _b_13\"/>\u00f6r de huvudsakliga risktyp-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:924.63165px;\">erna som Nordea \u00e4r eller skulle k<span class=\"__14 _b_13\"/>unna vara exponer<span class=\"__14 _1058\"/>ad f\u00f6r<span class=\"__14 _1c_10\"/>. </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:911.10645px;\">\u00c4<span class=\"__14 _b_13\"/>ven tr\u00f6sklar fas<span class=\"__14 _b_13\"/>tst\u00e4lls f\u00f6r dessa huvudsakliga risk<span class=\"__14 _b_13\"/>typer. De </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws37_5\" style=\"left:333.50708px; bottom:897.5813px;\">ska fungera som tidiga indik<span class=\"__14 _1058\"/>atorer f<span class=\"__14 _b_13\"/>\u00f6r viktiga beslutsf<span class=\"__14 _b_13\"/>attare </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:884.0561px;\">om att riskpro\ufb01len f<span class=\"__14 _b_13\"/>\u00f6r en viss risktyp n\u00e4rmar sig sin </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:870.5309px;\">risktoler<span class=\"__14 _b_13\"/>anslimit<span class=\"__14 _1072\"/>.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:857.0057px;\">\u2022 <span class=\"__14 _1f_10\"> </span>F<span class=\"__14 _b_13\"/>astst\u00e4llande av risklimit<span class=\"__14 _b_13\"/>er: M\u00e4tbara risklimiter uppr\u00e4tt<span class=\"__14 _1058\"/>as </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:843.48047px;\">och fas<span class=\"__14 _1058\"/>tst\u00e4lls p\u00e5 l\u00e4mpliga niv\u00e5er f<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">\u00f6r att effek</span><span class=\"__14 _b_13\"/>tivt hantera </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:829.95526px;\">risktagandet. Riskt<span class=\"__14 _1058\"/>oleranslimiterna f<span class=\"__14 _b_13\"/>astst\u00e4lls av k<span class=\"__14 _b_13\"/>oncern-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:816.43005px;\">styrelsen. Dessa ligger till grund f<span class=\"__14 _b_13\"/>\u00f6r de risklimiter som </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:802.90485px;\">inf<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>s och godk\u00e4nns av l\u00e4gr<span class=\"__14 _b_13\"/>e beslutsinstanser i Nordea, </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:789.37964px;\">bland annat riskkommitt\u00e9n och dess under<span class=\"__14 _b_13\"/>ordnade kom-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:775.8545px;\">mitt\u00e9er<span class=\"__14 _b_13\"/>. Dotterf\u00f6r<span class=\"__14 _b_13\"/>etagens risktoleranslimiter ska f<span class=\"__14 _b_13\"/>astst\u00e4llas </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:762.3293px;\">av beh\u00f6rig besl<span class=\"__14 _b_13\"/>utsinstans i enlighet med nationella lagkra<span class=\"__14 _b_13\"/>v </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:748.8041px;\">och i \u00f6verenss<span class=\"__14 _b_13\"/>t\u00e4mmelse med koncernens risklimiter<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:735.2789px;\">\u2022 <span class=\"__14 _1f_10\"> </span>Kon<span class=\"__14 _b_13\"/>troll och \u00f6vervakning av risk i f<span class=\"__14 _b_13\"/>\u00f6rh\u00e5llande till risklim-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:721.75366px;\">iter: Riskerna kon<span class=\"__14 _b_13\"/>trolleras och f\u00f6ljs r<span class=\"__14 _1058\"/>egelbundet upp mot </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:708.22845px;\">risklimiterna f\u00f6r a<span class=\"__14 _b_13\"/>tt s\u00e4kerst\u00e4lla att risktagande sk<span class=\"__14 _b_13\"/>er inom </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:694.70325px;\">risktoler<span class=\"__14 _b_13\"/>ansen.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:681.17804px;\">\u2022 <span class=\"__14 _1f_10\"> </span>Process f<span class=\"__14 _b_13\"/>\u00f6r hantering av \u00f6<span class=\"__14 _b_13\"/>vertr\u00e4delser av risk<span class=\"__14 _b_13\"/>toleranslim-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:667.6529px;\">iter: Group Risk och Group Complianc<span class=\"__14 _b_13\"/>e ser till att \u00f6ver-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:654.1277px;\">tr\u00e4delser a<span class=\"__14 _b_13\"/>v risktoleranslimiter esk<span class=\"__14 _1058\"/>aleras till riskkommitt<span class=\"__14 _1058\"/>\u00e9n </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:640.6025px;\">och styrelsens riskk<span class=\"__14 _1058\"/>ommitt. Group Risk och Group Compli-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:627.0773px;\">ance rapporterar v<span class=\"__14 _b_13\"/>arje m\u00e5nad om eventuella \u00f6vertr\u00e4dels<span class=\"__14 _1058\"/>er </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:613.55206px;\">av risk<span class=\"__14 _b_13\"/>tolerans till koncernstyr<span class=\"__14 _b_13\"/>elsen och andra ber\u00f6rda </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:600.02686px;\">styrande or<span class=\"__14 _1058\"/>gan, inklusive en uppf<span class=\"__14 _b_13\"/>\u00f6ljning av de \u00e5tg\u00e4r<span class=\"__14 _b_13\"/>der </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:586.50165px;\">som ska vidtas, till dess att risk<span class=\"__14 _b_13\"/>en \u00e5terigen \u00e4r inom risktol-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:572.97644px;\">eransen. Rapporten inneh\u00e5ller en sta<span class=\"__14 _b_13\"/>tusindikator som </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:559.4513px;\">anger aktuell riskniv<span class=\"__14 _1058\"/>\u00e5 i f\u00f6rh\u00e5llande till risk<span class=\"__14 _b_13\"/>toleranslimiten </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:545.9261px;\">f\u00f6r alla risk<span class=\"__14 _b_13\"/>typer som omfa<span class=\"__14 _1058\"/>ttas av riskf<span class=\"__14 _b_13\"/>\u00f6rklaringarna.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h9_13 ff3_13 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:518.72034px;\">Inf\u00f6rliva risk<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">toleransen i aff\u00e4rsprocesserna<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:505.19122px;\">Hela processen f<span class=\"__14 _b_13\"/>\u00f6r risktolerans har k<span class=\"__14 _1058\"/>opplats till andra s<span class=\"__14 _b_13\"/>trate-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:491.66602px;\">giska processer<span class=\"__14 _1c_10\"/>, bland annat den interna kapital<span class=\"__14 _1058\"/>utv\u00e4rde-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:478.1408px;\">ringen (IKU), den in<span class=\"__14 _b_13\"/>terna likviditetsutv\u00e4rderingen (IL<span class=\"__14 _b_13\"/>U) och </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:464.61563px;\">\u00e5terh\u00e4m<span class=\"__14 _b_13\"/>tningsplaneringen.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:451.09042px;\">Risktoler<span class=\"__14 _b_13\"/>ansen har inf\u00f6rliv<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ats i aff</span><span class=\"__14 _b_13\"/>\u00e4r<span class=\"__14 _1072\"/>sprocesserna och k<span class=\"__14 _1058\"/>om-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:437.56522px;\">municera<span class=\"__14 _1058\"/>ts i organisationen i syfte att uppn\u00e5 Nor<span class=\"__14 _b_13\"/>deas m\u00e5l om </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:424.04px;\">att uppr\u00e4<span class=\"__14 _b_13\"/>tth\u00e5lla en sund riskkultur<span class=\"__14 _b_13\"/>. Detta ska s\u00e4kerst\u00e4lla en </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:410.51483px;\">stark koppling mellan den f<span class=\"__14 _b_13\"/>astst\u00e4llda riskt<span class=\"__14 _b_13\"/>oleransen och </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:396.98962px;\"><span class=\"__14 _1ce\">aff\u00e4rsplanerna och budgetarna sam</span><span class=\"__14 _b_13\"/>t kapital- och likviditets-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:383.46442px;\">positionen. Risktoler<span class=\"__14 _b_13\"/>ansen beaktas ocks\u00e5 i koncernens </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:369.9392px;\">bed\u00f6mningar av m\u00f6jlighet<span class=\"__14 _1058\"/>erna till \u00e5terh\u00e4m<span class=\"__14 _b_13\"/>tning och resolu-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:356.41403px;\">tion samt i incitamen<span class=\"__14 _b_13\"/>tsstrukturen och r<span class=\"__14 _1058\"/>amverket f<span class=\"__14 _b_13\"/>\u00f6r ers\u00e4tt-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:342.88882px;\">ningar<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h8_13 ff2_14 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:315.7838px;\">1.4 Upplysningskra<span class=\"__14 _b_13\"/>v enligt kapitalt\u00e4ckningsf<span class=\"__14 _b_13\"/>\u00f6rordningen </div><div class=\"t_14 m0_14 h8_13 ff2_14 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:302.2586px;\">\u2013 Nordeas kapital- och riskhan<span class=\"__14 _b_13\"/>teringsrapport 2022<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:288.72562px;\">Ytterligare uppl<span class=\"__14 _1058\"/>ysningar om risk- och kapitalhan<span class=\"__14 _b_13\"/>tering \ufb01nns i </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:275.2004px;\">Nordeas kapital- och riskhan<span class=\"__14 _b_13\"/>teringsrapport f\u00f6r 2022 (<span class=\"__14 _1058\"/>Capital </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:261.67523px;\">and Risk Management R<span class=\"__14 _1058\"/>eport 2021), i enlighet med kapital-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:248.15002px;\">t\u00e4ckningsf\u00f6r<span class=\"__14 _b_13\"/>ordningen (CRR).<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h1_14 ff1_14 fs0_14 fc0_14 sc0_14 ls0_14 ws0_14\" style=\"left:0.002374649px; bottom:2.1012287px;\">198<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc0_14 sc0_14 ls0_14 ws1_14\" style=\"left:44.310143px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h3_13 ff2_14 fs1_13 fc0_14 sc0_14 ls1_14 ws2_13\" style=\"left:48.511353px; bottom:1029.1447px;\">Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span></div><div class=\"t_14 m0_14 h7_13 ff1_14 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:951.164px;\">2. Kreditrisk </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:937.63495px;\">Krediter i Nordea be<span class=\"__14 _1058\"/>viljas enligt de gemensamma principer </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:924.10974px;\">som fas<span class=\"__14 _b_13\"/>tst\u00e4llts f\u00f6r konc<span class=\"__14 _b_13\"/>ernen. Nordea str\u00e4v<span class=\"__14 _b_13\"/>ar efter att ha en </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:910.58453px;\">v\u00e4ldiversi\ufb01erad kr<span class=\"__14 _b_13\"/>editpor<span class=\"__14 _1072\"/>tf\u00f6lj som anpassats till s<span class=\"__14 _b_13\"/>trukturen p\u00e5 </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:897.0593px;\">koncernens hemmamarknader<span class=\"__14 _b_13\"/>. Nordeas kreditportf<span class=\"__14 _1058\"/>\u00f6lj \u00e4r upp-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:883.5341px;\">delad efter typ a<span class=\"__14 _b_13\"/>v exponeringsklass (f\u00f6retag och priv<span class=\"__14 _b_13\"/>atkun-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:870.0089px;\">der) eller sekt<span class=\"__14 _1058\"/>or<span class=\"__14 _b_13\"/>, och d\u00e4refter ytterligare indelad i s<span class=\"__14 _1058\"/>egment, </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:856.4837px;\">bransch och region. Rapportering sker m\u00e5nadsvis, kv<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>talsvis </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:842.9585px;\">och \u00e5rsvis. </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:57.205498px; bottom:829.4333px;\">Huvudprinciperna f\u00f6r han<span class=\"__14 _b_13\"/>teringen av Nordeas kreditrisk \u00e4r:<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:815.90814px;\">\u2022 <span class=\"__14 _1f_10\"> </span>riskbaserat f<span class=\"__14 _b_13\"/>\u00f6rh\u00e5llningss\u00e4tt, det vill s\u00e4ga riskhanterings-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:57.205498px; bottom:802.38293px;\">funk<span class=\"__14 _1058\"/>tionerna ska vara anpassade eft<span class=\"__14 _b_13\"/>er verksamhetens art<span class=\"__14 _1072\"/>, </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:57.205498px; bottom:788.8577px;\">omf<span class=\"__14 _b_13\"/>attning och komplexitet, och d\u00e4rmed s\u00e4kerst\u00e4lla att de </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:57.205498px; bottom:775.3325px;\">\u00e5tg\u00e4rder s<span class=\"__14 _1058\"/>om vidtas st\u00e5r i proportion till riskerna </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:761.8073px;\">\u2022 <span class=\"__14 _1f_10\"> </span>oberoende, det vill s\u00e4ga riskkon<span class=\"__14 _b_13\"/>trollfunktionen ska var<span class=\"__14 _b_13\"/>a </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:57.205498px; bottom:748.2821px;\">oberoende i f<span class=\"__14 _1058\"/>\u00f6rh\u00e5llande till den verksamhet man </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:57.205498px; bottom:734.7569px;\">kontr<span class=\"__14 _b_13\"/>ollerar<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:721.2317px;\">\u2022 <span class=\"__14 _1f_10\"> </span>de tre f<span class=\"__14 _1058\"/>\u00f6rsvarslinjerna, enligt beskrivningen i koncerndirek<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:57.205498px; bottom:707.70654px;\">tivet om int<span class=\"__14 _b_13\"/>ern styrning (Group Board Dir<span class=\"__14 _1058\"/>ective on Internal </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:57.205498px; bottom:694.18134px;\">Governance<span class=\"__14 _b_13\"/>).<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:667.1199px;\">Group Credit Managemen<span class=\"__14 _b_13\"/>t utg\u00f6r den f\u00f6rsta f<span class=\"__14 _1058\"/>\u00f6rsvarslinjen och </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:653.59467px;\">ansvarar f<span class=\"__14 _b_13\"/>\u00f6r kreditprocessen liksom f<span class=\"__14 _b_13\"/>\u00f6r de branschspeci\ufb01ka </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:640.06946px;\">riktlinjerna f<span class=\"__14 _b_13\"/>\u00f6r kreditgivning. Group Credit Risk Con<span class=\"__14 _b_13\"/>trol \u00e4r den </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:626.54425px;\">andra f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>svarslinjen och ansvarar f<span class=\"__14 _b_13\"/>\u00f6r ramverket f<span class=\"__14 _b_13\"/>\u00f6r kreditrisk, </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:613.01904px;\">som utg\u00f6rs av ins<span class=\"__14 _b_13\"/>truktioner och riktlinjer f<span class=\"__14 _b_13\"/>\u00f6r koncernen. </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:599.4939px;\">Group Credit Risk Con<span class=\"__14 _b_13\"/>trol ansvarar ocks\u00e5 f<span class=\"__14 _1058\"/>\u00f6r att kon<span class=\"__14 _b_13\"/>trollera </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:585.9687px;\">och \u00f6vervaka kv<span class=\"__14 _b_13\"/>aliteten i kreditportf\u00f6ljen och kreditproce<span class=\"__14 _1058\"/>s-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:572.4435px;\">sen.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:57.205498px; bottom:558.9183px;\">Grunden f\u00f6r han<span class=\"__14 _b_13\"/>tering av kreditrisk i Nordea \u00e4r allok<span class=\"__14 _b_13\"/>ering </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:545.39307px;\">av limit<span class=\"__14 _1058\"/>er till kunder och grupper a<span class=\"__14 _b_13\"/>v kunder som l\u00e4ggs sam-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:531.86786px;\">man och f\u00f6r<span class=\"__14 _1058\"/>delas p\u00e5 enheter som ansvar<span class=\"__14 _b_13\"/>ar f\u00f6r den l\u00f6pande </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:518.34265px;\">uppf\u00f6ljningen. Ut<span class=\"__14 _b_13\"/>\u00f6ver rutinerna f\u00f6r f<span class=\"__14 _b_13\"/>\u00f6rdelning av limiter f<span class=\"__14 _b_13\"/>\u00f6r </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:504.81744px;\">kunder och kundgrupper innef<span class=\"__14 _b_13\"/>attar Nordeas ramv<span class=\"__14 _b_13\"/>erk f\u00f6r kre-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:951.7679px;\">ditriskhantering \u00e4<span class=\"__14 _b_13\"/>ven anvisningar om kreditrisk<span class=\"__14 _b_13\"/>tolerans, som </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:938.2427px;\">ger ett m\u00e5ngsidigt och riskbaserat portf<span class=\"__14 _b_13\"/>\u00f6ljper<span class=\"__14 _1072\"/>spektiv tack </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:924.71747px;\">vare r<span class=\"__14 _1058\"/>elevan<span class=\"__14 _b_13\"/>ta m\u00e5tt f\u00f6r tillg\u00e5ngskvalit<span class=\"__14 _1058\"/>et och koncen<span class=\"__14 _b_13\"/>trations-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:911.19226px;\">risk. V<span class=\"__14 _b_13\"/>arje division/enhet har huvudansvar<span class=\"__14 _b_13\"/>et f\u00f6r hantering a<span class=\"__14 _b_13\"/>v </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:897.66705px;\">kreditrisk i sina respek<span class=\"__14 _b_13\"/>tive verksamheter<span class=\"__14 _b_13\"/>, inom till\u00e4mpliga </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:884.14185px;\">ramar och limiter<span class=\"__14 _1c_10\"/>, med bland annat identi\ufb01ering, kontr<span class=\"__14 _b_13\"/>oll och </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:870.61664px;\">rapportering a<span class=\"__14 _1058\"/>v risker<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:377.80396px; bottom:857.0915px;\">Beslutsfa<span class=\"__14 _b_13\"/>ttande kreditinstanser p\u00e5 olika niv\u00e5er i or<span class=\"__14 _b_13\"/>ganisa-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:843.5663px;\">tionen fas<span class=\"__14 _1058\"/>tst\u00e4ller in<span class=\"__14 _b_13\"/>terna kreditrisklimiter inom ramen f\u00f6r de </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:830.0411px;\">befogenhet<span class=\"__14 _1058\"/>er som styrelsen till<span class=\"__14 _1058\"/>delat. Dessa kreditrisklimiter </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:816.51587px;\">motsvar<span class=\"__14 _b_13\"/>ar Nordeas maximala risktolerans gen<span class=\"__14 _b_13\"/>temot kunden i </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:802.99066px;\">fr\u00e5ga. Individuella kr<span class=\"__14 _1058\"/>editbeslut inom godk\u00e4nda kreditrisklimi-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:789.46545px;\">ter fa<span class=\"__14 _b_13\"/>ttas av den kundansvariga enhet<span class=\"__14 _b_13\"/>en. Kundens riskkate-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:775.94025px;\">gori och samlade kredite<span class=\"__14 _b_13\"/>xponering avg\u00f6r p\u00e5 vilken niv<span class=\"__14 _1058\"/>\u00e5 kre-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:762.41504px;\">ditbeslutet tas. <span class=\"__14 _b_13\"/>Ansvaret f\u00f6r en kr<span class=\"__14 _1058\"/>editrisk ligger hos den kund-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:748.8899px;\">ansvariga enheten. Kunderna riskklassi\ufb01c<span class=\"__14 _b_13\"/>eras och tilldelas en </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:735.3647px;\">rating eller sc<span class=\"__14 _b_13\"/>oring i enlighet med Nordeas riktlinjer p\u00e5 omr\u00e5-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:721.8395px;\">det. Riskklassningen sy<span class=\"__14 _1072\"/>ftar till att f<span class=\"__14 _b_13\"/>astst\u00e4lla sannolikheten f\u00f6r </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:708.3143px;\">fallissemang, vilk<span class=\"__14 _1058\"/>et inneb\u00e4r att kunderna r<span class=\"__14 _b_13\"/>ankas utifr\u00e5n risken </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:694.78906px;\">f\u00f6r f<span class=\"__14 _b_13\"/>allissemang. Rating och scoring ing\u00e5r i kreditriskhan<span class=\"__14 _b_13\"/>te-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:681.26385px;\">ringen och kreditbeslutsproc<span class=\"__14 _b_13\"/>essen. Oberoende represen<span class=\"__14 _1058\"/>tan-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:667.73865px;\">ter fr\u00e5n kr<span class=\"__14 _b_13\"/>editorganisationens f\u00f6rst<span class=\"__14 _1058\"/>a f\u00f6rsvarslinje godk\u00e4nner </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:654.21344px;\">ratingen.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h8_13 ff2_14 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:626.9531px;\">2.<span class=\"__14 _b_13\"/>1 De\ufb01nition och identi\ufb01ering a<span class=\"__14 _b_13\"/>v kreditrisk<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:613.424px;\">Kreditrisk de\ufb01nieras som risk<span class=\"__14 _b_13\"/>en f\u00f6r f\u00f6rlus<span class=\"__14 _b_13\"/>t om en l\u00e5ntagare </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:599.8988px;\">inte kan f<span class=\"__14 _b_13\"/>ullg\u00f6ra sina betalningsskyldigheter f\u00f6r ett l\u00e5n i </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:586.3736px;\">enlighet med avtalade villk<span class=\"__14 _b_13\"/>or. F<span class=\"__14 _b_13\"/>\u00f6r att minska f\u00f6rl<span class=\"__14 _1058\"/>ustrisken </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:572.8484px;\">anv\u00e4nds olika met<span class=\"__14 _1058\"/>oder f\u00f6r riskhan<span class=\"__14 _b_13\"/>tering. Kreditrisk uppkom-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:559.32324px;\">mer huvudsakligen genom olika typer av utl\u00e5ning, liks<span class=\"__14 _1058\"/>om </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:545.79803px;\">genom garan<span class=\"__14 _1058\"/>tier och remburser<span class=\"__14 _b_13\"/>, och innefatt<span class=\"__14 _1058\"/>ar motpartskre-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:532.2728px;\">ditrisk, transfer<span class=\"__14 _b_13\"/>eringsrisk och avvecklingsrisk.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:377.80396px; bottom:518.7476px;\">Nordeas kreditportf\u00f6lj \u00e4r ocks\u00e5 uppdelad eft<span class=\"__14 _b_13\"/>er segment, </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:505.2224px;\">bransch och region. Br<span class=\"__14 _b_13\"/>anschspeci\ufb01ka kreditpolicyer \ufb01nns f\u00f6r<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 ha_13 ff3_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:986.27924px;\">K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hb_13 ff1_14 fs6_13 fc0_14 sc0_14 ls0_14 ws0_14\" style=\"left:42.46765px; bottom:373.31143px;\">Kreditkommitt<span class=\"__14 _b_13\"/>\u00e9struktur<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h3_13 ff1_14 fs1_13 fc3_10 sc0_14 ls0_14 ws0_14\" style=\"left:289.26642px; bottom:319.83682px;\">Styrelsen/<span class=\"__14 _1058\"/>styrelsens riskkommitt\u00e9<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:210.97522px; bottom:282.31168px;\"><span class=\"__14 _1ce\">Chief Executive Offic</span><span class=\"__14 _1058\"/>er (CE<span class=\"__14 _b_13\"/>O) Credit Committee / Executive Cr<span class=\"__14 _b_13\"/>edit Committee<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:142.19417px; bottom:165.28503px;\">T<span class=\"__14 _b_13\"/>re separata besl<span class=\"__14 _b_13\"/>utsfattare (kunder med ra<span class=\"__14 _1058\"/>ting)<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:95.53768px; bottom:252.3606px;\">Kreditkommitt\u00e9  </div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws38_5\" style=\"left:107.11665px; bottom:242.60928px;\">f\u00f6r <span class=\"__14 _1075\"> </span>skuld -<span class=\"ws0_14\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:101.90053px; bottom:232.858px;\">\ufb01nansierade  </div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:103.987686px; bottom:223.10669px;\">utk\u00f6p samt  </div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:101.90053px; bottom:213.3554px;\">fusioner och  </div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:111.71944px; bottom:203.6041px;\">f\u00f6rv\u00e4rv<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:432.2854px; bottom:242.6106px;\">Kreditkommitt\u00e9  </div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:428.20404px; bottom:232.85928px;\">f\u00f6r in<span class=\"__14 _1058\"/>ternationella </div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws38_5\" style=\"left:434.9049px; bottom:223.10799px;\"> banker<span class=\"__14 _b_13\"/>, <span class=\"__14 _1075\"> </span>l\u00e4nder <span class=\"__14 _1075\"> </span><span class=\"ws0_14\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:429.40393px; bottom:213.35669px;\">och \ufb01nansinstitut<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:348.09845px; bottom:242.6106px;\">Kreditkommitt\u00e9  </div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:356.878px; bottom:232.85928px;\">f\u00f6r f<span class=\"__14 _b_13\"/>\u00f6retag,  <span class=\"__14 _1069\"/> </div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:361.22128px; bottom:223.10799px;\">Business  </div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:361.22128px; bottom:213.35669px;\">Banking<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:180.31134px; bottom:242.6106px;\">Kreditkommitt\u00e9  </div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws38_5\" style=\"left:182.94397px; bottom:232.85928px;\">f\u00f6r <span class=\"__14 _1075\"> </span>f<span class=\"__14 _b_13\"/>astighets -<span class=\"ws0_14\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:182.94397px; bottom:223.10799px;\">bolag, industri  </div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:177.72186px; bottom:213.35669px;\">och byggindustri<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:516.47235px; bottom:242.6106px;\">Kreditkommitt\u00e9  </div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:525.95325px; bottom:232.85928px;\">f\u00f6r sj\u00f6f<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>ts    </div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:521.17053px; bottom:223.10799px;\"><span class=\"__14 _1ce\">och offshore-<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:523.9506px; bottom:213.35669px;\">verksamhet<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:263.91147px; bottom:242.6106px;\">Kreditkommitt\u00e9  </div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:272.69104px; bottom:232.85928px;\">f\u00f6r f<span class=\"__14 _b_13\"/>\u00f6retag,  </div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:269.47263px; bottom:223.10799px;\">stora f<span class=\"__14 _b_13\"/>\u00f6retag  </div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:272.69104px; bottom:213.35669px;\">och institut<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:600.6592px; bottom:237.7356px;\">Kreditkommitt\u00e9  </div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:600.6592px; bottom:227.98428px;\">f\u00f6r retailk<span class=\"__14 _b_13\"/>under  </div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:616.2072px; bottom:218.23299px;\">Norden<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:406.9649px; bottom:170.16016px;\">T<span class=\"__14 _b_13\"/>v\u00e5 separata beslutsf<span class=\"__14 _b_13\"/>attare (kunder med scoring) \u2013 tv\u00e5 senior<span class=\"__14 _b_13\"/>a </div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:439.2101px; bottom:160.40886px;\"> <span class=\"__14 _1069\"/>besl<span class=\"__14 _1058\"/>utsfattar<span class=\"__14 _b_13\"/>e fr\u00e5n Group Credit Management<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:327.9946px; bottom:119.41882px;\">T<span class=\"__14 _b_13\"/>v\u00e5 separata beslutsf<span class=\"__14 _b_13\"/>attare<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:330.54688px; bottom:79.80899px;\">Individuella befogenheter<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc3_10 sc0_14 ls0_14 ws0_14\" style=\"left:51.49082px; bottom:319.62845px;\">Niv\u00e5 1<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:51.49082px; bottom:282.52008px;\">Niv\u00e5 2<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:51.49082px; bottom:228.12495px;\">Niv\u00e5 3<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:51.49082px; bottom:165.28633px;\">Niv\u00e5 4<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:51.49082px; bottom:121.26599px;\">Niv\u00e5 5<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:51.49082px; bottom:81.13486px;\">Niv\u00e5 6<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h1_14 ff1_14 fs0_14 fc0_14 sc0_14 ls0_14 ws0_14\" style=\"left:656.2299px; bottom:2.1012287px;\">199<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc0_14 sc0_14 ls0_14 ws1_14\" style=\"left:497.72754px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h3_13 ff2_14 fs1_13 fc0_14 sc0_14 ls1_14 ws2_13\" style=\"left:4.4176025px; bottom:1029.1447px;\">Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:951.6515px;\">de branscher som utg\u00f6r en bety<span class=\"__14 _b_13\"/>dande andel av portf\u00f6ljen </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:938.12634px;\">och/<span class=\"__14 _1058\"/>eller som antingen \u00e4r v<span class=\"__14 _b_13\"/>\u00e4ldigt konjunkturk\u00e4nsliga/volatila </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:924.60114px;\">eller kr\u00e4<span class=\"__14 _b_13\"/>ver speci\ufb01ka branschkunskaper<span class=\"__14 _1c_10\"/>.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:13.111748px; bottom:911.0759px;\">Kreditbesluten f<span class=\"__14 _b_13\"/>attas efter en bed\u00f6mning a<span class=\"__14 _1058\"/>v kreditrisken </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:897.5507px;\"> <span class=\"__14 _d_13\"/>utifr\u00e5n principer som fas<span class=\"__14 _b_13\"/>tst\u00e4llts p\u00e5 ett konsekven<span class=\"__14 _b_13\"/>t s\u00e4tt f\u00f6r </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:884.0255px;\">hela koncernen. Dessa principer betonar beho<span class=\"__14 _b_13\"/>vet att anpassa </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:870.5003px;\">bed\u00f6mningens detaljniv\u00e5 och om<span class=\"__14 _1058\"/>fa<span class=\"__14 _1058\"/>ttning efter risken. Samma </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:856.9751px;\">kreditriskbed\u00f6mning anv<span class=\"__14 _1058\"/>\u00e4nds som underlag f\u00f6r den in<span class=\"__14 _b_13\"/>terna </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:843.4499px;\">riskklassi\ufb01ceringen. Kreditbeslut<span class=\"__14 _1058\"/>en i Nordea speglar koncer-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:829.92474px;\">nens syn p\u00e5 b\u00e5de kundrela<span class=\"__14 _1058\"/>tionen och kreditrisken.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:13.111748px; bottom:816.39954px;\">ESG-fak<span class=\"__14 _1058\"/>torer bed\u00f6ms var<span class=\"__14 _b_13\"/>a en v\u00e4sentlig eller pot<span class=\"__14 _1058\"/>entiellt </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:802.8743px;\">v\u00e4sen<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">tlig k\u00e4lla till kreditrisk. I aff\u00e4rsomr\u00e5desa</span><span class=\"__14 _b_13\"/>vsnitten, h\u00e5ll-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:789.3491px;\">barhetsnoterna och P<span class=\"__14 _b_13\"/>elare 3-rapporten ger Nordea en f\u00f6rdju-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:775.8239px;\">pad sammanf<span class=\"__14 _b_13\"/>attning av utfall<span class=\"__14 _1058\"/>et fr\u00e5n v<span class=\"__14 _b_13\"/>\u00e4sentlighetsbed\u00f6m-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:762.2987px;\">ningen, liksom av iden<span class=\"__14 _b_13\"/>ti\ufb01ering, begr\u00e4nsning, hantering, kapi-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:748.7735px;\">talt\u00e4ckning och \u00e5t<span class=\"__14 _b_13\"/>g\u00e4rder g\u00e4llande ESG-faktorer s<span class=\"__14 _1058\"/>om riskk\u00e4lla.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:13.111748px; bottom:735.2483px;\">Den samlade kreditriskbed\u00f6mningen speglar risken g\u00e4l-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:721.72314px;\">lande b\u00e5de l\u00e5ntagar<span class=\"__14 _1058\"/>ens \u00e5terbetalningskapacit<span class=\"__14 _1058\"/>et och m\u00f6jlig-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:708.19794px;\">heterna till \u00e5tervinning. Slutsats<span class=\"__14 _1058\"/>en ska vara tillr<span class=\"__14 _b_13\"/>\u00e4ckligt fram\u00e5t-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:694.6727px;\">blickande i f\u00f6rh\u00e5llande till k<span class=\"__14 _b_13\"/>undens riskpro\ufb01l och l\u00e5nets l\u00f6p-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:681.1475px;\">tid.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:13.111748px; bottom:667.6223px;\">F\u00f6rut<span class=\"__14 _1058\"/>om kreditriskbed\u00f6mningen i samband med ny eller </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:654.0971px;\">f\u00f6r<span class=\"__14 _b_13\"/>\u00e4ndrad exponering gent<span class=\"__14 _1058\"/>emot en kund g\u00f6rs ocks\u00e5 en \u00e5rsf\u00f6-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:640.5719px;\">redragning alt<span class=\"__14 _b_13\"/>ernativt kontinuerlig kreditgr<span class=\"__14 _b_13\"/>anskning. Denna </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:627.0467px;\">granskning \u00e4r en vik<span class=\"__14 _1058\"/>tig del av den l\u00f6pande kr<span class=\"__14 _b_13\"/>editbed\u00f6m-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:613.52155px;\">ningen.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:13.111748px; bottom:599.99634px;\">Om en svaghet uppt\u00e4cks i en k<span class=\"__14 _b_13\"/>undexponering klassi\ufb01ceras </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:586.4711px;\">kunden som \u201dh\u00f6griskkund\u201d och h\u00e5lls under s\u00e4rskild uppsik<span class=\"__14 _b_13\"/>t </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:572.9459px;\">med t\u00e4tare gr<span class=\"__14 _b_13\"/>anskning. Ut\u00f6ver den fortl\u00f6pande kon<span class=\"__14 _b_13\"/>trollen </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:559.4207px;\">fas<span class=\"__14 _1058\"/>tst\u00e4lls en \u00e5t<span class=\"__14 _b_13\"/>g\u00e4rdsplan som anger hur den eventuella kre-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:545.8955px;\">ditf\u00f6rlus<span class=\"__14 _b_13\"/>ten ska minimeras. Om s\u00e5 kr\u00e4<span class=\"__14 _b_13\"/>vs inr\u00e4ttas ett s\u00e4rskilt </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:532.3703px;\">team som ska st<span class=\"__14 _1058\"/>\u00f6dja den kundansvariga enhet<span class=\"__14 _1058\"/>en.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h8_13 ff2_14 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:505.19122px;\">2.2 Begr\u00e4nsning av kr<span class=\"__14 _b_13\"/>editrisk<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:491.662px;\">Begr\u00e4nsning a<span class=\"__14 _b_13\"/>v kreditrisken g\u00f6rs inom ramen f\u00f6r kreditbe-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:478.13678px;\">slutsprocessen. I v<span class=\"__14 _b_13\"/>arje kreditbeslut och kreditgranskning </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:464.6116px;\">beaktas v<span class=\"__14 _b_13\"/>\u00e4rdet av s\u00e4kerheter och ev<span class=\"__14 _b_13\"/>entuella kovenan<span class=\"__14 _b_13\"/>ter samt </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:451.0864px;\">andra riskbegr\u00e4nsande \u00e5<span class=\"__14 _b_13\"/>tg\u00e4rder<span class=\"__14 _b_13\"/>. St\u00e4llande av s\u00e4kerhet \u00e4r en </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:437.5612px;\">grundl\u00e4ggande metod f\u00f6r riskbegr<span class=\"__14 _b_13\"/>\u00e4nsningen i Nordea. S\u00e4ker-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:424.03598px;\">het beg\u00e4rs alltid n\u00e4r s\u00e5 \u00e4r rimligt och m\u00f6jligt, i sy<span class=\"__14 _1072\"/>fte att mini-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:410.5108px;\">mera risken f<span class=\"__14 _b_13\"/>\u00f6r kreditf\u00f6rlust.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.7102px; bottom:951.67346px;\">I Nordea utg\u00f6rs s\u00e4kerheterna f<span class=\"__14 _b_13\"/>r\u00e4mst av f<span class=\"__14 _b_13\"/>astigheter<span class=\"__14 _b_13\"/>, f\u00f6re-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:938.1483px;\">tagsinteckningar och l<span class=\"__14 _1058\"/>easingobjekt. S\u00e4kerhetst\u00e4ckningen ska </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:924.6231px;\">generellt var<span class=\"__14 _b_13\"/>a h\u00f6gre f\u00f6r \ufb01nansiellt sv<span class=\"__14 _1058\"/>agare kunder \u00e4n f<span class=\"__14 _b_13\"/>\u00f6r de </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:911.0979px;\">som \u00e4r \ufb01nansiellt stark<span class=\"__14 _1058\"/>are.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.7102px; bottom:897.5727px;\">Oberoende a<span class=\"__14 _b_13\"/>v s\u00e4kerhetst\u00e4ckningen s\u00e5 \u00e4r \u00e5terbetalningska<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:884.0475px;\">paciteten utg\u00e5ngspunk<span class=\"__14 _b_13\"/>ten i kreditbed\u00f6mningen och f\u00f6rdel<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:870.5223px;\">ningen av kr<span class=\"__14 _b_13\"/>editlimiter<span class=\"__14 _1058\"/>. F\u00f6r s<span class=\"__14 _b_13\"/>tora krediter anv<span class=\"__14 _1058\"/>\u00e4nds huvudsak-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:856.9971px;\">ligen syndikering a<span class=\"__14 _b_13\"/>v l\u00e5n som metod f\u00f6r att han<span class=\"__14 _b_13\"/>tera koncentr<span class=\"__14 _b_13\"/>a-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:843.47186px;\">tionsrisk, medan kreditderivat endas<span class=\"__14 _b_13\"/>t anv\u00e4nds i begr\u00e4nsad </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:829.9467px;\">omf<span class=\"__14 _b_13\"/>attning. Kovenan<span class=\"__14 _b_13\"/>ter i kreditavtal an<span class=\"__14 _b_13\"/>v\u00e4nds som komple-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:816.4215px;\">ment till s\u00e4ker <span class=\"__14 _d_13\"/>heter<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.7102px; bottom:802.8963px;\">De flesta e<span class=\"__14 _b_13\"/>xponeringar av betydande st<span class=\"__14 _1058\"/>orlek och komple<span class=\"__14 _1058\"/>xi-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:789.3711px;\">tet omf<span class=\"__14 _b_13\"/>attar l\u00e4mpliga kovenan<span class=\"__14 _b_13\"/>ter<span class=\"__14 _b_13\"/>. Kovenan<span class=\"__14 _1058\"/>ter ger tidiga var-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:775.8459px;\">ningssignaler s\u00e5 att Nordea kan upp<span class=\"__14 _b_13\"/>t\u00e4cka, och vidta \u00e5tg\u00e4rder<span class=\"__14 _b_13\"/>, </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:762.3207px;\">om kreditkvalitet<span class=\"__14 _b_13\"/>en eller l\u00e5ntagarens ekonomi generell<span class=\"__14 _1058\"/>t </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:748.7955px;\">skulle f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>s\u00e4mras. Brott mo<span class=\"__14 _b_13\"/>t kovenanterna inneb\u00e4r a<span class=\"__14 _b_13\"/>tt Nordea </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:735.27026px;\">kan s\u00e4ga upp l\u00e5net/krediten och beg\u00e4ra \u00e5<span class=\"__14 _1058\"/>terbetalning a<span class=\"__14 _b_13\"/>v det </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:721.7451px;\">utest\u00e5ende beloppet.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.7102px; bottom:708.2199px;\">S\u00e4kerhetsv\u00e4rdet sk<span class=\"__14 _1058\"/>a alltid baseras p\u00e5 marknadsv<span class=\"__14 _b_13\"/>\u00e4rdet<span class=\"__14 _1072\"/>. </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:694.6947px;\">Marknadsv\u00e4rdet de\ufb01nier<span class=\"__14 _b_13\"/>as som det ber\u00e4knade v\u00e4rdet till vil-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:681.1695px;\">ket en villig s\u00e4ljare skulle \u00f6<span class=\"__14 _b_13\"/>verl\u00e5ta tillg\u00e5ngen eller skulden till </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:667.6443px;\">en i f\u00f6rh\u00e5llande till s\u00e4ljar<span class=\"__14 _1058\"/>en oberoende k\u00f6pare p\u00e5 v<span class=\"__14 _b_13\"/>\u00e4rderings-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:654.1191px;\">dagen efter l\u00e4mplig marknadsf<span class=\"__14 _1058\"/>\u00f6ring d\u00e4r b\u00e5da parterna har </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:640.5939px;\">agerat med insik<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>, f\u00f6rsiktighet och ut<span class=\"__14 _1058\"/>an tv\u00e5ng. F<span class=\"__14 _1058\"/>r\u00e5n detta </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:627.06866px;\">marknadsv\u00e4rde g\u00f6rs ett a<span class=\"__14 _b_13\"/>vdrag f\u00f6r a<span class=\"__14 _1058\"/>tt ber\u00e4kna s\u00e4kerhetsv<span class=\"__14 _1058\"/>\u00e4r-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:613.5435px;\">det. A<span class=\"__14 _b_13\"/>vdraget \u00e4r en procen<span class=\"__14 _b_13\"/>tsats med vilken tillg\u00e5ngens mark-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:600.0183px;\">nadsv\u00e4rde minskas f<span class=\"__14 _b_13\"/>\u00f6r att ha en marginal i h\u00e4ndelse a<span class=\"__14 _b_13\"/>v f\u00f6r-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:586.4931px;\">lust. A<span class=\"__14 _b_13\"/>vdraget ska spegla sv<span class=\"__14 _b_13\"/>\u00e4ngningarna i tillg\u00e5ngens mark-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:572.9679px;\">nadsv\u00e4rde, likviditet och f<span class=\"__14 _b_13\"/>\u00f6rs\u00e4ljningskostnad. F\u00f6r v<span class=\"__14 _b_13\"/>arje </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:559.4427px;\">s\u00e4kerhetskategori \ufb01nns ett mins<span class=\"__14 _b_13\"/>ta avdrag f<span class=\"__14 _b_13\"/>r\u00e5n marknadsv\u00e4r-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:545.9175px;\">det. Ut\u00f6ver detta a<span class=\"__14 _b_13\"/>vdrag g\u00f6rs \u00e4ven a<span class=\"__14 _b_13\"/>vdrag fr<span class=\"__14 _1058\"/>\u00e5n marknadsv\u00e4r-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:532.3923px;\">det f\u00f6r ev<span class=\"__14 _b_13\"/>entuella prioriterade f<span class=\"__14 _b_13\"/>ordringar n\u00e4r det h\u00f6gsta </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:518.86707px;\">s\u00e4kerhetsv\u00e4rdet sk<span class=\"__14 _1058\"/>a ber\u00e4knas.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.7102px; bottom:505.34192px;\">Samma ber\u00e4kningsprinciper ska anv<span class=\"__14 _b_13\"/>\u00e4ndas f\u00f6r alla krediter<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h8_13 ff2_14 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:478.13303px;\">2.3 F\u00f6r<span class=\"__14 _b_13\"/>delning av s\u00e4kerheter<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:464.6039px;\">F\u00f6r<span class=\"__14 _1058\"/>delningen av s\u00e4k<span class=\"__14 _b_13\"/>erheter f\u00f6rblev i stort sett of<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndrad </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:451.0787px;\"><span class=\"__14 _1ce\">under 2022, med 93 procen</span><span class=\"__14 _b_13\"/>t (93 procent) a<span class=\"__14 _1058\"/>v s\u00e4kerheterna i </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:437.55353px;\">bostadsf<span class=\"__14 _b_13\"/>astigheter och kommersiella fastigheter<span class=\"__14 _1c_10\"/>. De kommer-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:424.02832px;\">siella fas<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">tigheternas andel minskade till 17 proc</span><span class=\"__14 _b_13\"/>ent (18 pro-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:410.5031px;\">cent) medan den f<span class=\"__14 _b_13\"/>\u00f6r bostadsfas<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">tigheter \u00f6kade till 76 proc</span><span class=\"__14 _b_13\"/>ent </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:396.9779px;\">(75 procen<span class=\"__14 _b_13\"/>t). Andelarna f\u00f6r \u00f6vriga typer a<span class=\"__14 _b_13\"/>v s\u00e4kerheter var i </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.81485px; bottom:383.45273px;\">stort sett of<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndrade under 2022.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 ha_13 ff3_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:986.27924px;\">K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h5_13 ff1_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.21639252px; bottom:249.08408px;\">Maximal exponering f<span class=\"__14 _b_13\"/>\u00f6r kreditrisk </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:340.07812px; bottom:232.55002px;\">31 dec 2022<span class=\"__14 _1077\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:4.4176025px; bottom:187.13062px;\">Mn euro<span class=\"__14 _1078\"> </span><span class=\"ls13_11 ws39_5\">Not<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:289.49252px; bottom:216.38062px;\"><span class=\"__14 _1ce\">Upplupet anskaff-<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:299.39853px; bottom:206.63062px;\">ningsv\u00e4rde och </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:290.5533px; bottom:196.88062px;\">V<span class=\"__14 _b_13\"/>erkligt v\u00e4rde via </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:286.45312px; bottom:187.13062px;\">\u00f6vrigt totalre<span class=\"__14 _1058\"/>sultat </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:366.1899px; bottom:216.38062px;\">Finansiella tillg\u00e5ngar </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:373.6935px; bottom:206.63062px;\">v\u00e4rderade till v<span class=\"__14 _1058\"/>erk-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:373.6935px; bottom:196.88062px;\">ligt v\u00e4rde via resul<span class=\"__14 _1058\"/>-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:396.38373px; bottom:187.13062px;\">tatr\u00e4kningen<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:466.38092px; bottom:216.38062px;\"><span class=\"__14 _1ce\">Upplupet anskaff-<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:477.07678px; bottom:206.63062px;\">ningsv\u00e4rde och </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:467.4417px; bottom:196.88062px;\">V<span class=\"__14 _b_13\"/>erkligt v\u00e4rde via </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:463.0581px; bottom:187.13062px;\">\u00f6vrigt totalre<span class=\"__14 _1058\"/>sultat </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:543.0783px; bottom:216.38062px;\">Finansiella tillg\u00e5ngar </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:550.5819px; bottom:206.63062px;\">v\u00e4rderade till v<span class=\"__14 _1058\"/>erk-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:550.5819px; bottom:196.88062px;\">ligt v\u00e4rde via resul<span class=\"__14 _1058\"/>-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:573.2721px; bottom:187.13062px;\">tatr\u00e4kningen<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.4176025px; bottom:169.66382px;\">L\u00e5n till centr<span class=\"__14 _b_13\"/>albanker och kreditinstitut<span class=\"__14 _1079\"> </span>K3.7<span class=\"__14 _1080\"> </span>2 866<span class=\"__14 _1081\"> </span>2 621<span class=\"__14 _1082\"> </span>1 799<span class=\"__14 _1083\"> </span>596<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.4176025px; bottom:152.51942px;\">L\u00e5n till allm\u00e4nheten<span class=\"__14 _1084\"> </span>K3.7<span class=\"__14 _1085\"> </span>276 760<span class=\"__14 _1086\"> </span>70 627<span class=\"__14 _2a_8\"> </span>272 07<span class=\"__14 _1072\"/>7<span class=\"__14 _2b_8\"> </span><span class=\"ls14_11 ws3a_5\">75 176<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.4176025px; bottom:135.37502px;\">R\u00e4nteb\u00e4r<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ande v\u00e4rdepapper1 </span><span class=\"__14 _2c_8\"> </span>K3.8, K3.9<span class=\"__14 _1083\"> </span>36 158<span class=\"__14 _2b_8\"> </span>32 271<span class=\"__14 _1086\"> </span>37 4<span class=\"__14 _1072\"/>35<span class=\"__14 _2b_8\"> </span>27 631<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.4176025px; bottom:118.23062px;\">Derivatinstrumen<span class=\"__14 _b_13\"/>t<span class=\"__14 _2d_8\"> </span>K3.<span class=\"__14 _b_13\"/>12<span class=\"__14 _2e_8\"> </span>\u2013<span class=\"__14 _1086\"> </span>36 578<span class=\"__14 _2f_8\"> </span>\u2013<span class=\"__14 _1087\"> </span>30 200<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.4176025px; bottom:101.08621px;\">Garantier<span class=\"__14 _b_13\"/>/\u00e5<span class=\"__14 _b_13\"/>taganden, nominellt v\u00e4rde<span class=\"__14 _2a_8\"> </span>K7<span class=\"__14 _b_13\"/>.<span class=\"__14 _b_13\"/>1, K7<span class=\"__14 _b_13\"/>.2<span class=\"__14 _1088\"> </span>107 261<span class=\"__14 _1089\"> </span>228<span class=\"__14 _1090\"> </span>107 815<span class=\"__14 _1083\"> </span>366<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:5.420944px; bottom:83.94182px;\">Summa<span class=\"__14 _1091\"> </span>423 045<span class=\"__14 _2a_8\"> </span>142 325<span class=\"__14 _1092\"> </span>419 126<span class=\"__14 _1093\"> </span>133 969<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hf_13 ff2_14 fs8_12 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.4176025px; bottom:64.29011px;\">1)  Inklusive Pan<span class=\"__14 _1058\"/>tsatta \ufb01nansiella instrumen<span class=\"__14 _1058\"/>t.<span class=\"__14 _1ce\"> </span></div>F\u00f6r<span class=\"__14 _b_13\"/>delning av s\u00e4kerheter<span class=\"__14 _1ce\"> </span>31 dec 2022<span class=\"__14 _1094\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span>Finansiella s\u00e4kerheter<span class=\"__14 _1095\"> </span>0,6 %<span class=\"__14 _1096\"> </span>0,7 %<span class=\"__14 _1ce\"> </span>Fordringar<span class=\"__14 _3a_9\"> </span>0,9 %<span class=\"__14 _3b_8\"> </span>0,8 %<span class=\"__14 _1ce\"> </span>Bostadsfas<span class=\"__14 _b_13\"/>tigheter<span class=\"__14 _3c_8\"> </span>75,5 %<span class=\"__14 _3d_8\"> </span>75,2 %<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _b_13\"/>\u00e4r<span class=\"__14 _1072\"/>sfastigheter<span class=\"__14 _3e_8\"> </span>17<span class=\"__14 _b_13\"/>,5 %<span class=\"__14 _3f_8\"> </span><span class=\"ls15_11 ws3b_5\">1<span class=\"__14 _1072\"/>7,<span class=\"__14 _1072\"/>7<span class=\"__14 _1066\"/> %<span class=\"__14 _1ce\"> </span></span>\u00d6vriga fysiska s\u00e4kerheter<span class=\"__14 _1097\"> </span>5,5 %<span class=\"__14 _1098\"> </span>5,6 %<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1099\"> </span>100,0 %<span class=\"__14 _1100\"> </span>100,0 %<span class=\"__14 _1ce\"> </span>Reserver f<span class=\"__14 _b_13\"/>\u00f6r kreditrisk<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1077\"> </span><span class=\"ls13_11 ws39_5\">Not<span class=\"__14 _1074\"> </span></span>31 dec 2022<span class=\"__14 _c_13\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span>L\u00e5n till centr<span class=\"__14 _b_13\"/>albanker och kreditinstitut<span class=\"__14 _e_13\"> </span>K3.7<span class=\"__14 _1101\"> </span>29<span class=\"__14 _1102\"> </span>3<span class=\"__14 _1ce\"> </span>L\u00e5n till allm\u00e4nheten<span class=\"__14 _1103\"> </span>K3.7<span class=\"__14 _1104\"> </span>1 644<span class=\"__14 _1096\"> </span>2 203<span class=\"__14 _1ce\"> </span>R\u00e4nteb\u00e4r<span class=\"__14 _1058\"/>ande v\u00e4rdepapper v\u00e4r<span class=\"__14 _b_13\"/>derade<span class=\"__14 _1ce\"> </span>till verkligt v\u00e4rde \u00f6<span class=\"__14 _b_13\"/>ver \u00f6vrigt totalresul-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">tat eller upplupet anskaff</span><span class=\"__14 _b_13\"/>ningsv\u00e4rde<span class=\"__14 _1063\"> </span>K3.8<span class=\"__14 _1105\"> </span>3<span class=\"__14 _1106\"> </span>15<span class=\"__14 _1ce\"> </span>Garantier<span class=\"__14 _b_13\"/>/\u00e5<span class=\"__14 _b_13\"/>taganden<span class=\"__14 _4a_6\"> </span>K6<span class=\"__14 _4b_6\"> </span>184<span class=\"__14 _4c_6\"> </span>183<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _4d_6\"> </span>1 860<span class=\"__14 _4e_6\"> </span>2 404<span class=\"__14 _1ce\"> </span>2.4 <span class=\"__14 _b_13\"/>Tillg\u00e5ngar \u00f6vertagna f\u00f6r skyddande a<span class=\"__14 _b_13\"/>v fordr<span class=\"__14 _b_13\"/>an<span class=\"__14 _1ce\"> </span>T<span class=\"__14 _1c_10\"/>abellen nedan visar \u00f6vertagna tillg\u00e5ngar per tillg\u00e5ngsslag.<span class=\"__14 _1ce\"> </span>Mark och byggnader utgjor<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">de 100 procent a</span><span class=\"__14 _b_13\"/>v de \u00f6vertagna<span class=\"__14 _1ce\"> </span>tillg\u00e5ngarna i slutet a<span class=\"__14 _b_13\"/>v december 2022. Under 2022 minskade<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">de \u00f6vertagna tillg\u00e5ngarna med 71 procen</span><span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>.<span class=\"__14 _1ce\"> </span>Tillg\u00e5ngar \u00f6vertagna f<span class=\"__14 _b_13\"/>\u00f6r skyddande av f<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ordran1<span class=\"__14 _1ce\"> </span></span>Mn euro<span class=\"__14 _4f_6\"> </span>31 dec 2022<span class=\"__14 _1094\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span>Oms\u00e4ttningstillg\u00e5ngar<span class=\"__14 _b_13\"/>, redovisat v<span class=\"__14 _b_13\"/>\u00e4rde:<span class=\"__14 _1ce\"> </span>Mark och byggnader<span class=\"__14 _1107\"> </span>2<span class=\"__14 _1102\"> </span>2<span class=\"__14 _1ce\"> </span>Aktier och \u00f6vriga andelar<span class=\"__14 _1108\"> </span>0<span class=\"__14 _1109\"> </span>4<span class=\"__14 _1ce\"> </span>\u00d6vriga tillg\u00e5ngar<span class=\"__14 _1110\"> </span>0<span class=\"__14 _1111\"> </span>1<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1112\"> </span>2<span class=\"__14 _1102\"> </span>7<span class=\"__14 _1ce\"> </span>1)   <span class=\"__14 _1069\"/>I enlighet med Nordeas riktlinjer f<span class=\"__14 _b_13\"/>\u00f6r egendom \u00f6vertagen f\u00f6r skyddande av f<span class=\"__14 _b_13\"/>ordran,<span class=\"__14 _1ce\"> </span>som f\u00f6ljer bankr\u00f6r<span class=\"__14 _1058\"/>elselagen i de l\u00e4nder d\u00e4r Nordea verkar<span class=\"__14 _b_13\"/>. Tillg\u00e5ngar som anv<span class=\"__14 _b_13\"/>\u00e4nds<span class=\"__14 _1ce\"> </span>som s\u00e4kerhet f\u00f6r l\u00e5net \u00f6<span class=\"__14 _1058\"/>vertas normalt n\u00e4r kunden int<span class=\"__14 _1058\"/>e l\u00e4ngre kan fullg\u00f6ra sina skyl-<span class=\"__14 _1ce\"> </span>digheter gentemot Nor<span class=\"__14 _b_13\"/>dea. \u00d6vertagna tillg\u00e5ngar avyttras senast n\u00e4r full \u00e5t<span class=\"__14 _1058\"/>ervinning<span class=\"__14 _1ce\"> </span>har uppn\u00e5tts.<span class=\"__14 _1ce\"> </span>2.5 Bel\u00e5ningsgrad<span class=\"__14 _1ce\"> </span>Bel\u00e5ningsgraden anses v<span class=\"__14 _b_13\"/>ara ett bra m\u00e5tt f<span class=\"__14 _1058\"/>\u00f6r att bed\u00f6ma<span class=\"__14 _1ce\"> </span>s\u00e4kerhetens kvalit<span class=\"__14 _b_13\"/>et<span class=\"__14 _1072\"/>. Den ber\u00e4knas genom att dividera kredit-<span class=\"__14 _1ce\"> </span>exponeringen med s\u00e4kerhet<span class=\"__14 _b_13\"/>ens marknadsv\u00e4rde. <span class=\"__14 _b_13\"/>T<span class=\"__14 _b_13\"/>abellen<span class=\"__14 _1ce\"> </span>visar hypoteks<span class=\"__14 _1058\"/>exponeringar som om<span class=\"__14 _b_13\"/>fattas a<span class=\"__14 _b_13\"/>v IRK-modell<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>,<span class=\"__14 _1ce\"> </span>f\u00f6r<span class=\"__14 _1058\"/>delade p\u00e5 olika intervall a<span class=\"__14 _b_13\"/>v bel\u00e5ningsgrad.<span class=\"__14 _1ce\"> </span>Bel\u00e5ningsgrad<span class=\"__14 _1ce\"> </span>31 dec 2022<span class=\"__14 _1113\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span>Bol\u00e5neexponering mot priv<span class=\"__14 _1058\"/>atkunder<span class=\"__14 _1ce\"> </span>(retailportf\u00f6ljen)<span class=\"__14 _1114\"> </span>Md euro<span class=\"__14 _1115\"> </span>%<span class=\"__14 _e_13\"> </span>Md euro<span class=\"__14 _1115\"> </span>%<span class=\"__14 _1ce\"> </span>&lt;50 %<span class=\"__14 _1116\"> </span>128,7<span class=\"__14 _5a_6\"> </span>84<span class=\"__14 _5b_6\"> </span>130,9<span class=\"__14 _4e_6\"> </span>83<span class=\"__14 _1ce\"> </span>50\u201370 %<span class=\"__14 _5c_6\"> </span>18,5<span class=\"__14 _1096\"> </span>12<span class=\"__14 _5d_6\"> </span>20,7<span class=\"__14 _1098\"> </span>13<span class=\"__14 _1ce\"> </span>70\u201380 %<span class=\"__14 _5e_6\"> </span><span class=\"ls16_11 ws3c_5\">3,7<span class=\"__14 _5f_6\"> </span></span>2<span class=\"__14 _1117\"> </span>4,0<span class=\"__14 _1118\"> </span>3<span class=\"__14 _1ce\"> </span>80\u201390 %<span class=\"__14 _1116\"> </span><span class=\"ls17_11 ws3d_5\">1,1<span class=\"__14 _1113\"> </span></span>1<span class=\"__14 _1119\"> </span><span class=\"ls17_11 ws3d_5\">1<span class=\"__14 _1072\"/>,1<span class=\"__14 _1113\"> </span></span>1<span class=\"__14 _1ce\"> </span>&gt;90 %<span class=\"__14 _3c_8\"> </span>0,9<span class=\"__14 _1120\"> </span>1<span class=\"__14 _1117\"> </span>0,8<span class=\"__14 _1121\"> </span>0<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1122\"> </span>152,9<span class=\"__14 _1123\"> </span>100<span class=\"__14 _1124\"> </span>157<span class=\"__14 _b_13\"/>,5<span class=\"__14 _1123\"> </span>100<span class=\"__14 _1ce\"> </span>2.6 Individuell och modellbaserad<span class=\"__14 _1ce\"> </span>pr\u00f6vning a<span class=\"__14 _b_13\"/>v nedskrivningsbehov<span class=\"__14 _1ce\"> </span>Nedskrivningskra<span class=\"__14 _b_13\"/>ven anges i IFRS 9 och baseras p\u00e5 en<span class=\"__14 _1ce\"> </span>modell f\u00f6r f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>v\u00e4nt<span class=\"__14 _b_13\"/>ade kreditf\u00f6rluster<span class=\"__14 _1c_10\"/>, se \u00e4ven no<span class=\"__14 _1058\"/>t K3.7 \u201dUtl\u00e5<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>ning\u201d<span class=\"__14 _1c_10\"/>.<span class=\"__14 _1ce\"> </span>I samband med individuella och modellbaserade res<span class=\"__14 _1058\"/>erve-<span class=\"__14 _1ce\"> </span>ringar anv\u00e4nds tr<span class=\"__14 _1058\"/>e fram\u00e5<span class=\"__14 _b_13\"/>tblickande och viktade scenarier<span class=\"__14 _b_13\"/>. <span class=\"__14 _b_13\"/>Till-<span class=\"__14 _1ce\"> </span>g\u00e5ngar vars nedskrivningsbehov ska pr\u00f6<span class=\"__14 _b_13\"/>vas delas in i tre<span class=\"__14 _1ce\"> </span>kategorier<span class=\"__14 _1c_10\"/>, beroende p\u00e5 graden av kr<span class=\"__14 _1058\"/>editf\u00f6rs\u00e4mring. Ka<span class=\"__14 _b_13\"/>tegori<span class=\"__14 _1ce\"> </span>1 omf<span class=\"__14 _b_13\"/>attar tillg\u00e5ngar utan n\u00e5gon v\u00e4sentlig \u00f6kning a<span class=\"__14 _b_13\"/>v kredit-<span class=\"__14 _1ce\"> </span>risken, kategori 2 om<span class=\"__14 _b_13\"/>fattar tillg\u00e5ngar med en v<span class=\"__14 _1058\"/>\u00e4sentlig \u00f6kning<span class=\"__14 _1ce\"> </span>av kr<span class=\"__14 _b_13\"/>editrisken och kategori 3 omf<span class=\"__14 _b_13\"/>attar fallerade tillg\u00e5ngar<span class=\"__14 _1ce\"> </span>(omf<span class=\"__14 _b_13\"/>attas av nedskrivning). <span class=\"__14 _b_13\"/>Alla tillg\u00e5ngar kategoriseras indi-<span class=\"__14 _1ce\"> </span>viduellt. F\u00f6r betydande tillg\u00e5ngar i ka<span class=\"__14 _b_13\"/>tegori 3 bed\u00f6ms ned-<span class=\"__14 _1ce\"> </span>skrivningsbehovet individuellt. F<span class=\"__14 _1058\"/>\u00f6r tillg\u00e5ngar i kategori 1 och<span class=\"__14 _1ce\"> </span>kategori 2, och f<span class=\"__14 _b_13\"/>\u00f6r tillg\u00e5ngar av obetydligt v\u00e4r<span class=\"__14 _b_13\"/>de i kategori 3,<span class=\"__14 _1ce\"> </span>g\u00f6rs modellbaserade bed\u00f6mningar<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>Nordea granskar k<span class=\"__14 _1058\"/>ontinuerligt kreditportf<span class=\"__14 _b_13\"/>\u00f6ljens kvalitet i<span class=\"__14 _1ce\"> </span>syfte att identi\ufb01er<span class=\"__14 _b_13\"/>a och begr\u00e4nsa nedskrivningsbehovet.<span class=\"__14 _1ce\"> </span>For<span class=\"__14 _1058\"/>dringar med h\u00f6g eller \u00f6kad risk och for<span class=\"__14 _b_13\"/>dringar som omfat-<span class=\"__14 _1ce\"> </span>tas av nedskrivning \u00f6<span class=\"__14 _b_13\"/>vervakas noga och granskas minst en<span class=\"__14 _1ce\"> </span>g\u00e5ng per kvartal med avs<span class=\"__14 _1058\"/>eende p\u00e5 aktuell \ufb01nansiell s<span class=\"__14 _1058\"/>t\u00e4llning,<span class=\"__14 _1ce\"> </span>fram<span class=\"__14 _b_13\"/>tidsutsikter<span class=\"__14 _b_13\"/>, fram<span class=\"__14 _b_13\"/>tida \u00e5terbetalningsf\u00f6rm\u00e5ga sam<span class=\"__14 _b_13\"/>t even-<span class=\"__14 _1ce\"> </span>tuellt behov a<span class=\"__14 _b_13\"/>v individuella reserveringar<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>Speci\ufb01ka kreditriskjust<span class=\"__14 _1058\"/>eringar omf<span class=\"__14 _b_13\"/>attar individuella och<span class=\"__14 _1ce\"> </span>modellbaserade res<span class=\"__14 _1058\"/>erveringar<span class=\"__14 _b_13\"/>. Dessa justeringar redovisas<span class=\"__14 _1ce\"> </span>som kreditf<span class=\"__14 _b_13\"/>\u00f6rluster i resulta<span class=\"__14 _1058\"/>tr\u00e4kningen och som a<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>och reserveringar i balansr\u00e4kningen. Individuella r<span class=\"__14 _b_13\"/>eser<span class=\"__14 _1072\"/>ve-<span class=\"__14 _1ce\"> </span>ringar leder till att l\u00e5nen redo<span class=\"__14 _1058\"/>visas som faller<span class=\"__14 _b_13\"/>ade tillg\u00e5ngar.<span class=\"__14 _1ce\"> </span>Individuella reserveringar<span class=\"__14 _1ce\"> </span>Individuella reserveringar g\u00f6rs om det enligt kredith\u00e4ndelser<span class=\"__14 _1ce\"> </span>\u00e4r troligt att k<span class=\"__14 _1058\"/>undens fram<span class=\"__14 _b_13\"/>tida kassafl\u00f6de p\u00e5verkas nega<span class=\"__14 _b_13\"/>tivt i<span class=\"__14 _1ce\"> </span>s\u00e5dan utstr\u00e4ckning a<span class=\"__14 _b_13\"/>tt full \u00e5terbetalning (med s\u00e4kerheter<span class=\"__14 _1ce\"> </span>inr\u00e4knade) in<span class=\"__14 _b_13\"/>te l\u00e4ngre \u00e4r sannolik.<span class=\"__14 _1ce\"> </span>For<span class=\"__14 _1058\"/>dringar med individuella reserveringar omf<span class=\"__14 _b_13\"/>attas av ned-<span class=\"__14 _1ce\"> </span>skrivningar och h\u00f6r till kategori 3 (f<span class=\"__14 _b_13\"/>allerade). Reserveringens<span class=\"__14 _1ce\"> </span>storlek mo<span class=\"__14 _1058\"/>tsvarar den f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>v\u00e4n<span class=\"__14 _1058\"/>tade f\u00f6rl<span class=\"__14 _1058\"/>usten, det vill s\u00e4ga skill-<span class=\"__14 _1ce\"> </span>naden mellan det redovisade v<span class=\"__14 _1058\"/>\u00e4rdet a<span class=\"__14 _b_13\"/>v den utest\u00e5ende for-<span class=\"__14 _1ce\"> </span>dran och det diskon<span class=\"__14 _b_13\"/>terade v\u00e4rdet a<span class=\"__14 _b_13\"/>v f\u00f6rv\u00e4ntade f<span class=\"__14 _1058\"/>ram<span class=\"__14 _1058\"/>tida kas-<span class=\"__14 _1ce\"> </span>safl\u00f6den, inklusive v<span class=\"__14 _b_13\"/>\u00e4rdet av pantsa<span class=\"__14 _b_13\"/>tt egendom.<span class=\"__14 _1ce\"> </span>Modellbaserade reserveringar<span class=\"__14 _1ce\"> </span>Modellbaserade res<span class=\"__14 _1058\"/>erveringar g\u00f6rs kvartalsvis och bed\u00f6ms<span class=\"__14 _1ce\"> </span>f\u00f6r v<span class=\"__14 _b_13\"/>arje bolag/<span class=\"__14 _1072\"/>\ufb01lial. En viktig fak<span class=\"__14 _b_13\"/>tor som p\u00e5verk<span class=\"__14 _1058\"/>ar reserve-<span class=\"__14 _1ce\"> </span>ringar \u00e4r tr\u00f6skel<span class=\"__14 _1058\"/>v\u00e4rdet f<span class=\"__14 _b_13\"/>\u00f6r \u00f6verf\u00f6ring a<span class=\"__14 _b_13\"/>v tillg\u00e5ngar fr\u00e5n kate-<span class=\"__14 _1ce\"> </span>gori 1 till kategori 2. F<span class=\"__14 _b_13\"/>\u00f6r tillg\u00e5ngar som redovisats fr<span class=\"__14 _b_13\"/>\u00e5n 1 janu-<span class=\"__14 _1ce\"> </span>ari 2018 anv\u00e4nds f<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar i sannolikheten f\u00f6r f<span class=\"__14 _b_13\"/>allisse-<span class=\"__14 _1ce\"> </span>mang (PD) f<span class=\"__14 _b_13\"/>\u00f6r den \u00e5terst\u00e5ende l\u00f6ptiden som den utl\u00f6sande<span class=\"__14 _1ce\"> </span>fak<span class=\"__14 _b_13\"/>torn. Dessutom \u00f6verf\u00f6rs ocks\u00e5 k<span class=\"__14 _1058\"/>under som omf<span class=\"__14 _b_13\"/>attas av<span class=\"__14 _1ce\"> </span>f\u00f6rmildr<span class=\"__14 _b_13\"/>ande kreditvillkor och kunder som \u00e4r mer \u00e4n 30 dagar<span class=\"__14 _1ce\"> </span>sena med sina betalningar till kategori 2. I k<span class=\"__14 _1058\"/>ategori 1 mo<span class=\"__14 _1058\"/>tsva-<span class=\"__14 _1ce\"> </span>rar reserveringarna f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>v\u00e4n<span class=\"__14 _1058\"/>tade kreditf<span class=\"__14 _b_13\"/>\u00f6rluster under kom-<span class=\"__14 _1ce\"> </span>mande 12 m\u00e5nader<span class=\"__14 _b_13\"/>. I kategori 2 och 3 motsv<span class=\"__14 _b_13\"/>arar reservering-<span class=\"__14 _1ce\"> </span>arna f\u00f6rv\u00e4n<span class=\"__14 _b_13\"/>tade kreditf\u00f6rlust<span class=\"__14 _b_13\"/>er under hela den \u00e5terst\u00e5ende<span class=\"__14 _1ce\"> </span>l\u00f6ptiden. Resul<span class=\"__14 _b_13\"/>tatet kompletteras med en e<span class=\"__14 _b_13\"/>xper<span class=\"__14 _1072\"/>tanalys f<span class=\"__14 _b_13\"/>\u00f6r att<span class=\"__14 _1ce\"> </span>s\u00e4kerst\u00e4lla tillr\u00e4cklig r<span class=\"__14 _b_13\"/>eser<span class=\"__14 _1072\"/>vering. F<span class=\"__14 _b_13\"/>allerade kunder utan indi-<span class=\"__14 _1ce\"> </span>viduella reserveringar omf<span class=\"__14 _b_13\"/>attas av modellbaser<span class=\"__14 _b_13\"/>ade reserve-<span class=\"__14 _1ce\"> </span>ringar<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>Fallissemang<span class=\"__14 _1ce\"> </span>F\u00f6r k<span class=\"__14 _b_13\"/>under som har f\u00f6rfallna f<span class=\"__14 _1058\"/>ordringar sedan mer \u00e4n<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">90 dagar eller som \u00e4r f\u00f6r</span><span class=\"__14 _b_13\"/>em\u00e5l f\u00f6r konkurs, eller a<span class=\"__14 _b_13\"/>v andra sk\u00e4l<span class=\"__14 _1ce\"> </span>sannolikt in<span class=\"__14 _b_13\"/>te kan betala, betraktas f<span class=\"__14 _b_13\"/>ordringarna som falle-<span class=\"__14 _1ce\"> </span>rade och n\u00f6dlidande. F<span class=\"__14 _b_13\"/>ordringarna kan avse an<span class=\"__14 _1058\"/>tingen l\u00e5n d\u00e4r<span class=\"__14 _1ce\"> </span>kunderna f<span class=\"__14 _b_13\"/>or<span class=\"__14 _1072\"/>tfarande betalar (r<span class=\"__14 _b_13\"/>eglerade) eller l\u00e5n d\u00e4r kun-<span class=\"__14 _1ce\"> </span>derna ej betalar (oregler<span class=\"__14 _b_13\"/>ade).<span class=\"__14 _1ce\"> </span>Om en kund \u00e5terh\u00e4m<span class=\"__14 _b_13\"/>tar sig fr\u00e5n f<span class=\"__14 _1058\"/>allissemang anses kun-<span class=\"__14 _1ce\"> </span>den vara \u00e5<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">terst\u00e4lld. Det h\u00e4r intr\u00e4ff</span><span class=\"__14 _b_13\"/>ar om kunden lyckas skapa<span class=\"__14 _1ce\"> </span>balans i sina \ufb01nanser<span class=\"__14 _b_13\"/>. F\u00f6r att ans<span class=\"__14 _1058\"/>es vara \u00e5<span class=\"__14 _b_13\"/>terst\u00e4lld ska \u00e5ter-<span class=\"__14 _1ce\"> </span>h\u00e4mtningen om<span class=\"__14 _b_13\"/>fatta kundens sam<span class=\"__14 _b_13\"/>tliga skulder<span class=\"__14 _b_13\"/>. Det ska ocks\u00e5<span class=\"__14 _1ce\"> </span>\ufb01nnas en tillfredss<span class=\"__14 _1058\"/>t\u00e4llande \u00e5terbetalningsplan och en bed\u00f6m-<span class=\"__14 _1ce\"> </span>ning som s\u00e4ger att \u00e5t<span class=\"__14 _b_13\"/>erh\u00e4mtningen har inletts.<span class=\"__14 _1ce\"> </span>2.7 F<span class=\"__14 _b_13\"/>\u00f6rmildrande kreditvillkor<span class=\"__14 _1ce\"> </span>F\u00f6rmildr<span class=\"__14 _b_13\"/>ande kreditvillkor inneb\u00e4r l\u00e4ttnader eller omstruk<span class=\"__14 _b_13\"/>tu-<span class=\"__14 _1ce\"> </span>rering a<span class=\"__14 _b_13\"/>v kreditvillkoren till f\u00f6ljd a<span class=\"__14 _b_13\"/>v att l\u00e5ntagaren har eller \u00e4r<span class=\"__14 _1ce\"> </span>p\u00e5 v\u00e4g att f<span class=\"__14 _b_13\"/>\u00e5 ekonomiska sv\u00e5righeter<span class=\"__14 _b_13\"/>. A<span class=\"__14 _1c_10\"/>vsikten med f\u00f6rmild-<span class=\"__14 _1ce\"> </span>rande kreditvillkor under en begr<span class=\"__14 _b_13\"/>\u00e4nsad tidsperiod \u00e4r att<span class=\"__14 _1ce\"> </span>s\u00e4kerst\u00e4lla full \u00e5<span class=\"__14 _b_13\"/>terbetalning av det utes<span class=\"__14 _1058\"/>t\u00e5ende l\u00e5nebeloppet.<span class=\"__14 _1ce\"> </span>Exempel p\u00e5 l\u00e4<span class=\"__14 _1058\"/>ttnader i villkoren \u00e4r f<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar i amorte-<span class=\"__14 _1ce\"> </span>ringspro\ufb01l, \u00e5terbetalningsplan, k<span class=\"__14 _b_13\"/>undmarginal eller l\u00e4ttnader<span class=\"__14 _1ce\"> </span>g\u00e4llande kovenan<span class=\"__14 _b_13\"/>ter<span class=\"__14 _b_13\"/>. F\u00f6rmildrande kreditvillk<span class=\"__14 _b_13\"/>or till\u00e4mpas p\u00e5<span class=\"__14 _1ce\"> </span>individuell basis och kompletteras med pr<span class=\"__14 _b_13\"/>\u00f6vning av nedskriv-<span class=\"__14 _1ce\"> </span>ningsbehovet (f<span class=\"__14 _b_13\"/>\u00f6retagskunder) d\u00e5 f\u00f6rmildr<span class=\"__14 _b_13\"/>ande kreditvillkor<span class=\"__14 _1ce\"> </span>ses som en kredith\u00e4ndelse. <span class=\"__14 _b_13\"/>A<span class=\"__14 _1058\"/>vs\u00e4ttningar f<span class=\"__14 _1058\"/>\u00f6r individuella kre-<span class=\"__14 _1ce\"> </span>ditf\u00f6rlus<span class=\"__14 _b_13\"/>ter g\u00f6rs vid behov<span class=\"__14 _b_13\"/>. F\u00f6rmildrande kreditvillkor god-<span class=\"__14 _1ce\"> </span>k\u00e4nns enligt g\u00e4llande befogenhet<span class=\"__14 _b_13\"/>er och dessa l\u00e5n kan vara<span class=\"__14 _1ce\"> </span>antingen regler<span class=\"__14 _b_13\"/>ade eller oreglerade.<span class=\"__14 _1ce\"> </span>L\u00e5n med f\u00f6rmildr<span class=\"__14 _b_13\"/>ande kreditvillkor<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _4f_6\"> </span>31 dec 2022<span class=\"__14 _1094\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span>L\u00e5n med f\u00f6rmildr<span class=\"__14 _b_13\"/>ande kreditvillkor<span class=\"__14 _1125\"> </span>2 064<span class=\"__14 _1096\"> </span>3 270<span class=\"__14 _1ce\"> </span>- vara<span class=\"__14 _b_13\"/>v fallerade<span class=\"__14 _1126\"> </span>903<span class=\"__14 _1096\"> </span>1 905<span class=\"__14 _1ce\"> </span>Reserver f<span class=\"__14 _1058\"/>\u00f6r individuellt v\u00e4rder<span class=\"__14 _b_13\"/>ade os\u00e4kra<span class=\"__14 _1ce\"> </span>l\u00e5nefordringar och l\u00e5n med f<span class=\"__14 _b_13\"/>\u00f6rmildrande<span class=\"__14 _1ce\"> </span>kreditvillkor<span class=\"__14 _1078\"> </span>360<span class=\"__14 _6a_6\"> </span><span class=\"ls18_10 ws3e_5\">497<span class=\"__14 _1ce\"> </span></span>- vara<span class=\"__14 _b_13\"/>v fallerade<span class=\"__14 _6b_6\"> </span>336<span class=\"__14 _1113\"> </span>448<span class=\"__14 _1ce\"> </span>Nyckeltal<span class=\"__14 _1126\"> </span><span class=\"ff1_14 fs7_13\">31 dec 2022<span class=\"__14 _1094\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span></span>Andel l\u00e5n med f\u00f6rmildrande kr<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">editvillkor1</span><span class=\"__14 _6c_6\"> </span>0,7 %<span class=\"__14 _3b_8\"> </span>0,9 %<span class=\"__14 _1ce\"> </span>T<span class=\"__14 _b_13\"/>\u00e4ckningsgrad f\u00f6r l\u00e5n med f<span class=\"__14 _b_13\"/>\u00f6rmildrande<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">kreditvillkor2</span><span class=\"__14 _6d_6\"> </span><span class=\"ls14_11 ws3a_5\">17 %<span class=\"__14 _1121\"> </span></span>15 %<span class=\"__14 _1ce\"> </span>- vara<span class=\"__14 _b_13\"/>v fallerade<span class=\"__14 _6e_6\"> </span>37 %<span class=\"__14 _1115\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1072\"/> %<span class=\"__14 _1ce\"> </span></span>1)   <span class=\"__14 _1069\"/>L\u00e5n med f\u00f6rmildrande kr<span class=\"__14 _b_13\"/>editvillkor/L\u00e5n v\u00e4rderade till upplupet ansk<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">affningsv\u00e4rde<span class=\"__14 _1ce\"> </span></span>f\u00f6re res<span class=\"__14 _1058\"/>erveringar<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>2)   <span class=\"__14 _1069\"/>Individuella reserver f\u00f6r l\u00e5n med f<span class=\"__14 _b_13\"/>\u00f6rmildrande kreditvillkor/L\u00e5n med f<span class=\"__14 _b_13\"/>\u00f6rmildrande kreditvillkor<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>2.8 K\u00e4nsligheter<span class=\"__14 _1ce\"> </span>En viktig f<span class=\"__14 _b_13\"/>aktor vid ber\u00e4kningen a<span class=\"__14 _b_13\"/>v f\u00f6rv\u00e4ntade kr<span class=\"__14 _1058\"/>editf\u00f6rlus<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1ce\"> </span>i enlighet med IFRS 9 \u00e4r att bed\u00f6ma vad som ut<span class=\"__14 _b_13\"/>g\u00f6r en bety-<span class=\"__14 _1ce\"> </span>dande \u00f6kning av kr<span class=\"__14 _b_13\"/>editrisken. F\u00f6r att f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>st\u00e5 k\u00e4nsligheten f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1ce\"> </span>dessa tr\u00f6skel<span class=\"__14 _b_13\"/>v\u00e4rden har Nordea med hj\u00e4lp av modeller ber<span class=\"__14 _b_13\"/>\u00e4k-<span class=\"__14 _1ce\"> </span>nat a<span class=\"__14 _b_13\"/>vs\u00e4ttningar utifr\u00e5n tv\u00e5 olika sc<span class=\"__14 _b_13\"/>enarier:<span class=\"__14 _1ce\"> </span>T<span class=\"__14 _b_13\"/>r\u00f6skel<span class=\"__14 _6f_6\"> </span>Scenario 1<span class=\"__14 _1127\"> </span>Scenario 2<span class=\"__14 _1ce\"> </span>Privatkundsportf\u00f6ljer<span class=\"__14 _1ce\"> </span>Relativt tr\u00f6sk<span class=\"__14 _b_13\"/>elv\u00e4rde<span class=\"__14 _1128\"> </span>100 %<span class=\"__14 _1129\"> </span>50 %<span class=\"__14 _1130\"> </span>150 %<span class=\"__14 _1ce\"> </span>Absolut tr\u00f6skel<span class=\"__14 _b_13\"/>v\u00e4rde, 12 m\u00e5nader<span class=\"__14 _2f_8\"> </span>45 punk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1131\"> </span>35 punkter<span class=\"__14 _1124\"> </span>55 punk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1ce\"> </span>Absolut tr\u00f6skel<span class=\"__14 _b_13\"/>v\u00e4rde,<span class=\"__14 _1ce\"> </span>\u00e5terst\u00e5ende l\u00f6p<span class=\"__14 _1058\"/>tid<span class=\"__14 _1132\"> </span>300 punkter<span class=\"__14 _1094\"> </span>250 punkter<span class=\"__14 _1133\"> </span>350 punkter<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Steg1</span><span class=\"__14 _1134\"> </span><span class=\"ls16_11 ws3c_5\">1\u20136<span class=\"__14 _1135\"> </span></span>1 mindre<span class=\"__14 _1136\"> </span>1 mer<span class=\"__14 _1ce\"> </span>\u00d6vriga kundportf\u00f6ljer<span class=\"__14 _1ce\"> </span>Relativt tr\u00f6sk<span class=\"__14 _b_13\"/>elv\u00e4rde<span class=\"__14 _7a_6\"> </span>150 %<span class=\"__14 _7b_6\"> </span>100 %<span class=\"__14 _7c_6\"> </span>200 %<span class=\"__14 _1ce\"> </span>Absolut tr\u00f6skel<span class=\"__14 _b_13\"/>v\u00e4rde, 12 m\u00e5nader<span class=\"__14 _2f_8\"> </span>20 punk<span class=\"__14 _1058\"/>ter<span class=\"__14 _7d_7\"> </span>15 punkter<span class=\"__14 _1124\"> </span>25 punkt<span class=\"__14 _1058\"/>er<span class=\"__14 _1ce\"> </span>Absolut tr\u00f6skel<span class=\"__14 _b_13\"/>v\u00e4rde,<span class=\"__14 _1ce\"> </span>\u00e5terst\u00e5ende l\u00f6p<span class=\"__14 _1058\"/>tid<span class=\"__14 _7e_6\"> </span>400 punkter<span class=\"__14 _1094\"> </span>350 punkter<span class=\"__14 _7f_7\"> </span>450 punkter<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Steg1</span><span class=\"__14 _1134\"> </span><span class=\"ls16_11 ws3c_5\">1\u20136<span class=\"__14 _1135\"> </span></span>1 mindre<span class=\"__14 _1136\"> </span>1 mer<span class=\"__14 _1ce\"> </span>1)   <span class=\"__14 _1069\"/>F\u00f6r exponeringar s<span class=\"__14 _1058\"/>om redovisades f<span class=\"__14 _1058\"/>\u00f6rsta g\u00e5ngen f\u00f6re \u00f6<span class=\"__14 _b_13\"/>verg\u00e5ngen till IFRS 9 (1 jan<span class=\"__14 _1ce\"> </span>2018) fastst<span class=\"__14 _1058\"/>\u00e4lls kategorin utifr<span class=\"__14 _1058\"/>\u00e5n f\u00f6r\u00e4ndringar i r<span class=\"__14 _1058\"/>atingklasserna. <span class=\"__14 _b_13\"/>Tr<span class=\"__14 _1058\"/>\u00f6skelv\u00e4r<span class=\"__14 _1058\"/>det i scena-<span class=\"__14 _1ce\"> </span>rio 1 s\u00e4tts till ett steg mindre \u00e4n den modell som f<span class=\"__14 _b_13\"/>aktiskt anv\u00e4nds och i sc<span class=\"__14 _1058\"/>enario 2 s\u00e4tts<span class=\"__14 _1ce\"> </span>tr\u00f6skelv\u00e4r<span class=\"__14 _b_13\"/>det till ett steg mer \u00e4n i modellen.<span class=\"__14 _1ce\"> </span>A<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">vs\u00e4ttningarna skulle ha \u00f6kat med 20 mn eur</span><span class=\"__14 _1058\"/>o (24 mn eur<span class=\"__14 _1058\"/>o) i<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">scenario 1 och minskat med 20 mn eur</span><span class=\"__14 _b_13\"/>o (22 mn euro) i scena-<span class=\"__14 _1ce\"> </span>rio 2. Mer inf<span class=\"__14 _b_13\"/>ormation om ratingskalan och genomsnittligt PD<span class=\"__14 _1ce\"> </span>(sannolikheten f\u00f6r f<span class=\"__14 _b_13\"/>allissemang) \ufb01nns i tabellerna \u201dRating-/<span class=\"__14 _1ce\"> </span>scoringinf<span class=\"__14 _b_13\"/>ormation f\u00f6r l\u00e5n v<span class=\"__14 _1058\"/>\u00e4rderade till upplupet ansk<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">aff-<span class=\"__14 _1ce\"> </span></span>ningsv\u00e4rde\u201d p\u00e5 sidan 21<span class=\"__14 _1058\"/>7<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningarna \u00e4r k\u00e4nsliga f\u00f6r r<span class=\"__14 _b_13\"/>atingf\u00f6r\u00e4ndringar \u00e4<span class=\"__14 _b_13\"/>ven om<span class=\"__14 _1ce\"> </span>tr\u00f6skel<span class=\"__14 _1058\"/>v\u00e4rdena in<span class=\"__14 _b_13\"/>te n\u00e5s. T<span class=\"__14 _1c_10\"/>abellen nedan visar hur a<span class=\"__14 _1058\"/>vs\u00e4ttning-<span class=\"__14 _1ce\"> </span>arna p\u00e5v<span class=\"__14 _b_13\"/>erkas om kreditkvaliteten f<span class=\"__14 _b_13\"/>\u00f6r all utl\u00e5ning i Nordea<span class=\"__14 _1ce\"> </span>f\u00f6rs\u00e4mras med ett s<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">teg. H\u00e4r beaktas b\u00e5de eff</span><span class=\"__14 _1058\"/>ekten a<span class=\"__14 _b_13\"/>v den<span class=\"__14 _1ce\"> </span>h\u00f6gre risken f<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">\u00f6r alla exponeringar och effek</span><span class=\"__14 _b_13\"/>ten av \u00f6v<span class=\"__14 _1058\"/>erf\u00f6-<span class=\"__14 _1ce\"> </span>ringen fr\u00e5n ka<span class=\"__14 _b_13\"/>tegori 1 till kategori 2 av de f<span class=\"__14 _b_13\"/>ordringar som n\u00e5tt<span class=\"__14 _1ce\"> </span>tr\u00f6skel<span class=\"__14 _1058\"/>v\u00e4rdet. Detta inkluderar \u00e4<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ven effek</span><span class=\"__14 _b_13\"/>ten av att f<span class=\"__14 _b_13\"/>ordringar<span class=\"__14 _1ce\"> </span>med rating ett s<span class=\"__14 _b_13\"/>teg \u00f6ver faller<span class=\"__14 _1058\"/>ade klassi\ufb01ceras som f<span class=\"__14 _b_13\"/>allerade,<span class=\"__14 _1ce\"> </span>vilket ber\u00e4knas till 118 mn euro (152 mn eur<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">o). Denna siffr</span><span class=\"__14 _b_13\"/>a<span class=\"__14 _1ce\"> </span>baseras p\u00e5 en ber\u00e4kning med den s<span class=\"__14 _b_13\"/>tatistiska modellen sna-<span class=\"__14 _1ce\"> </span>rare \u00e4n individuella es<span class=\"__14 _b_13\"/>timat som annars skulle vara f<span class=\"__14 _b_13\"/>allet f\u00f6r<span class=\"__14 _1ce\"> </span>betydande f<span class=\"__14 _1058\"/>allerade l\u00e5n.<span class=\"__14 _1ce\"> </span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>K\u00e4nsligheter<span class=\"__14 _1ce\"> </span>31 dec 2022<span class=\"__14 _5c_6\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1137\"> </span>Redovisade reserver<span class=\"__14 _1ce\"> </span>Reserver med ett<span class=\"__14 _1ce\"> </span>stegs nedgradering<span class=\"__14 _1070\"> </span>Redovisade reserver<span class=\"__14 _1ce\"> </span>Reserver med ett<span class=\"__14 _1ce\"> </span>stegs nedgradering<span class=\"__14 _1ce\"> </span>Personal Banking<span class=\"__14 _1138\"> </span>387<span class=\"__14 _1139\"> </span>488<span class=\"__14 _1139\"> </span>409<span class=\"__14 _1140\"> </span>532<span class=\"__14 _1ce\"> </span>Business Banking<span class=\"__14 _1141\"> </span>1 036<span class=\"__14 _1142\"> </span>1 166<span class=\"__14 _1142\"> </span><span class=\"ls14_11 ws3a_5\">1 148<span class=\"__14 _1142\"> </span></span>1 265<span class=\"__14 _1ce\"> </span>Large Corpora<span class=\"__14 _b_13\"/>tes &amp; Institutions<span class=\"__14 _1143\"> </span>402<span class=\"__14 _1140\"> </span>441<span class=\"__14 _1140\"> </span>813<span class=\"__14 _1139\"> </span>846<span class=\"__14 _1ce\"> </span>\u00d6vrigt<span class=\"__14 _1144\"> </span>35<span class=\"__14 _1088\"> </span>46<span class=\"__14 _1088\"> </span>34<span class=\"__14 _1145\"> </span>75<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1146\"> </span>1 860<span class=\"__14 _1142\"> </span>2 141<span class=\"__14 _1086\"> </span>2 404<span class=\"__14 _2b_8\"> </span>2 718<span class=\"__14 _1ce\"> </span><div class=\"t_14 m0_14 h1_14 ff1_14 fs0_14 fc0_14 sc0_14 ls0_14 ws0_14\" style=\"left:0.002374649px; bottom:2.1012287px;\">202<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc0_14 sc0_14 ls0_14 ws1_14\" style=\"left:44.310143px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h3_13 ff2_14 fs1_13 fc0_14 sc0_14 ls1_14 ws2_13\" style=\"left:48.511353px; bottom:1029.1447px;\">Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span></div><div class=\"t_14 m0_14 h8_13 ff2_14 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:951.164px;\">2.9 Fr<span class=\"__14 _b_13\"/>am\u00e5tblickande informa<span class=\"__14 _b_13\"/>tion<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws10_13\" style=\"left:44.310143px; bottom:937.63495px;\">Fr<span class=\"__14 _b_13\"/>am\u00e5tblickande informa<span class=\"__14 _b_13\"/>tion anv\u00e4nds b\u00e5de vid bed\u00f6mningen </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:924.10974px;\">av bety<span class=\"__14 _b_13\"/>dande \u00f6kningar i kreditrisken och vid ber\u00e4kningen av </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:910.58453px;\">f\u00f6rv\u00e4n<span class=\"__14 _b_13\"/>tade kreditf\u00f6rlust<span class=\"__14 _b_13\"/>er. Nor<span class=\"__14 _b_13\"/>dea anv\u00e4nder sig av tre makr<span class=\"__14 _b_13\"/>o<span class=\"__14 _1072\"/>-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:897.0593px;\">ekonomiska scenerier: ett grundsc<span class=\"__14 _b_13\"/>enario, ett gynnsamt sce-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:883.5341px;\">nario och ett negativt scenario<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">. F\u00f6r fj\u00e4r</span><span class=\"__14 _b_13\"/>de kvar<span class=\"__14 _1072\"/>talet 2022 </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:870.0089px;\">ber\u00e4knades de slutligt f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>v\u00e4nt<span class=\"__14 _1058\"/>ade kreditf<span class=\"__14 _1058\"/>\u00f6rlusterna genom </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:856.4837px;\">att vik<span class=\"__14 _1058\"/>ta scenarierna enligt f<span class=\"__14 _b_13\"/>\u00f6ljande: 50 procent grundscena<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:842.9585px;\">rio, 40 procen<span class=\"__14 _b_13\"/>t negativt och 10 procent gynnsam<span class=\"__14 _b_13\"/>t (sista </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:829.4333px;\"><span class=\"__14 _1ce\">december 2021: 60 procen</span><span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">t grundscenario, 20 procen</span><span class=\"__14 _b_13\"/>t nega-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:815.90814px;\"><span class=\"__14 _1ce\">tivt och 20 procen</span><span class=\"__14 _b_13\"/>t gynnsamt). Viktningen speglade de \u00f6kade </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:802.38293px;\">riskerna i de makroekonomiska pr<span class=\"__14 _b_13\"/>ognoserna under \u00e5ret<span class=\"__14 _1072\"/>.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:57.205498px; bottom:788.8577px;\">De makroekonomiska sc<span class=\"__14 _1058\"/>enarierna tas fram a<span class=\"__14 _b_13\"/>v Group Risk i </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:775.3325px;\">Nordea, och baseras p\u00e5 Oxf<span class=\"__14 _b_13\"/>ord Economics-modellen. Pr<span class=\"__14 _b_13\"/>ogno<span class=\"__14 _1072\"/>-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:761.8073px;\">sen \u00e4r en kombination a<span class=\"__14 _b_13\"/>v modellber\u00e4kningar och expertbe-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:748.2821px;\">d\u00f6mningar<span class=\"__14 _b_13\"/>, och den granskas och kvalitetsk<span class=\"__14 _1058\"/>ontroll<span class=\"__14 _1058\"/>eras noga. </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:734.7569px;\">Modellen har tagits fram f<span class=\"__14 _b_13\"/>\u00f6r att ge en bra beskrivning a<span class=\"__14 _b_13\"/>v de </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:721.2317px;\">historiska sambanden mellan olika ek<span class=\"__14 _1058\"/>onomiska variabler och </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:707.70654px;\">f\u00e5nga de vik<span class=\"__14 _b_13\"/>tigaste kopplingarna mellan dessa variabler<span class=\"__14 _1c_10\"/>. </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:694.18134px;\">Modellens prognosperiod \u00e4r tio \u00e5r<span class=\"__14 _b_13\"/>. F\u00f6r perioder bortom </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:680.6561px;\">denna period anv\u00e4nds ett l\u00e5ngsik<span class=\"__14 _b_13\"/>tigt medelv\u00e4rde i ber\u00e4kning-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:667.1309px;\">arna av f<span class=\"__14 _b_13\"/>\u00f6rv\u00e4ntade kreditf<span class=\"__14 _b_13\"/>\u00f6rluster<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:57.205498px; bottom:653.6057px;\">De makroekonomiska sc<span class=\"__14 _1058\"/>enarierna speglar Nordeas prog-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:640.0805px;\">noser f\u00f6r den ek<span class=\"__14 _b_13\"/>onomiska utvecklingen i Norden mot bak-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:626.5553px;\">grund av R<span class=\"__14 _b_13\"/>ysslands invasion av Ukr<span class=\"__14 _1058\"/>aina samt in<span class=\"__14 _1058\"/>f\u00f6r<span class=\"__14 _b_13\"/>andet av </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:613.0301px;\">sanktioner och mo<span class=\"__14 _1058\"/>tsanktioner som p\u00e5<span class=\"__14 _b_13\"/>verkar handeln med </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:599.50494px;\">Ryssland. Prognoserna tar ocks\u00e5 h\u00e4nsyn till de h\u00f6ga ener<span class=\"__14 _b_13\"/>gi-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:585.97974px;\">priser som f<span class=\"__14 _1058\"/>\u00f6ljt p\u00e5 invasionen, f<span class=\"__14 _b_13\"/>or<span class=\"__14 _1072\"/>tsatta st<span class=\"__14 _1058\"/>\u00f6rningar i lever<span class=\"__14 _1058\"/>ans-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:572.4545px;\">kedjan och en f<span class=\"__14 _1058\"/>\u00f6rv\u00e4ntan om betydligt h\u00f6gr<span class=\"__14 _b_13\"/>e r\u00e4ntor f<span class=\"__14 _b_13\"/>\u00f6r att </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:558.9293px;\">d\u00e4mpa det starka in<span class=\"__14 _b_13\"/>flationstrycket. Vid framtagandet a<span class=\"__14 _b_13\"/>v sce-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:545.4041px;\">narierna och deras inb\u00f6rdes vik<span class=\"__14 _b_13\"/>tning har Nordea tagit h\u00e4nsyn </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:531.8789px;\">till prognoser fr<span class=\"__14 _b_13\"/>\u00e5n nordiska centralbank<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>, Nordeas analysa<span class=\"__14 _b_13\"/>v-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:518.3537px;\">delning och E<span class=\"__14 _b_13\"/>uropeiska centralbanken.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:57.205498px; bottom:504.8285px;\">Grundscenariot \u00e4r a<span class=\"__14 _b_13\"/>tt h\u00f6ga r\u00e4ntor och h\u00f6g infla<span class=\"__14 _b_13\"/>tion leder </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:491.30334px;\">till en mild l\u00e5gkonjunktur i Danmark, Finland och S<span class=\"__14 _1058\"/>verige. De </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:477.7781px;\">h\u00f6ga energipriserna ger \u00e5 andra sidan en sv<span class=\"__14 _b_13\"/>ag tillv\u00e4xt i </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:464.25293px;\">Norge. Den svaga till<span class=\"__14 _b_13\"/>v\u00e4xten f\u00f6rv\u00e4n<span class=\"__14 _b_13\"/>tas forts\u00e4tta under 2023.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:951.79px;\">Den nordiska bostadsmarknaden har v<span class=\"__14 _b_13\"/>\u00e4nt ned\u00e5t. Betydligt </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:938.2648px;\">f\u00e4rre a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ff\u00e4rer g\u00f6rs och priserna har b\u00f6rjat sjunka, s\u00e4rskilt i Sv</span><span class=\"__14 _b_13\"/>e-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:924.73956px;\">rige d\u00e4r prisfallet v<span class=\"__14 _b_13\"/>arit m\u00e4rkbar<span class=\"__14 _1072\"/>t<span class=\"__14 _1072\"/>. Denna utveckling v\u00e4n<span class=\"__14 _b_13\"/>tas </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:911.21436px;\">forts\u00e4tta under 2023. Det \ufb01nns ned\u00e5trisk<span class=\"__14 _b_13\"/>er i grundscenariot. </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:377.80396px; bottom:897.68915px;\">Nordeas tv\u00e5 alt<span class=\"__14 _b_13\"/>ernativa makroekonomiska scenarier </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:884.16394px;\">omf<span class=\"__14 _b_13\"/>attar en rad rimliga riskfak<span class=\"__14 _b_13\"/>torer som kan f\u00e5 till<span class=\"__14 _b_13\"/>v\u00e4xten att </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:870.6388px;\">avvika f<span class=\"__14 _b_13\"/>r\u00e5n grundscenariot. H\u00f6ga energipriser kan leda till en </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:857.1136px;\">djupare och mer l\u00e5ngvarig l\u00e5gkonjunk<span class=\"__14 _b_13\"/>tur p\u00e5 grund av svagar<span class=\"__14 _b_13\"/>e </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:843.5884px;\">konsumtion och l\u00e4gr<span class=\"__14 _b_13\"/>e investeringar<span class=\"__14 _b_13\"/>. Vidare kan bost<span class=\"__14 _1058\"/>adspri-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:830.0632px;\">serna falla \u00e4nnu mer<span class=\"__14 _1c_10\"/>, p\u00e5 grund av de h\u00f6ga r\u00e4n<span class=\"__14 _b_13\"/>torna, och </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:816.53796px;\">minska hush\u00e5llens k\u00f6pkra<span class=\"__14 _1058\"/>ft. \u00c5 andr<span class=\"__14 _b_13\"/>a sidan, om energipriserna </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls19_10 ws0_14\" style=\"left:364.9086px; bottom:803.01276px;\">stabiliser<span class=\"__14 _1058\"/>as p\u00e5 en l\u00e4gre niv\u00e5 kan bakslaget bli mindr<span class=\"__14 _b_13\"/>e k\u00e4nnbar<span class=\"__14 _1072\"/>t </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls19_10 ws0_14\" style=\"left:364.9086px; bottom:789.48755px;\">under vintern och den p\u00e5<span class=\"__14 _b_13\"/>f\u00f6ljande \u00e5terh\u00e4mtningen s<span class=\"__14 _b_13\"/>tarkare.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:377.80396px; bottom:775.96234px;\">Vid utg\u00e5ngen a<span class=\"__14 _1058\"/>v \u00e5ret uppgick justeringarna i f<span class=\"__14 _b_13\"/>\u00f6rh\u00e5llande </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:762.4372px;\">till de modellber\u00e4knade reserveringarna/<span class=\"__14 _1c_10\"/>avs\u00e4ttningarna till </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:748.912px;\">554 mn euro, inklusiv<span class=\"__14 _b_13\"/>e reserveringar enligt ledningens </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:735.3868px;\">bed\u00f6mning. Reserveringarna enligt ledningens bed\u00f6mning </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:721.8616px;\">innefa<span class=\"__14 _b_13\"/>ttar ber\u00e4knade kreditf\u00f6rlus<span class=\"__14 _b_13\"/>ter som \u00e4nnu inte f\u00e5ngas </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:708.33636px;\">upp av IFRS 9-modellen. Den cykliska r<span class=\"__14 _b_13\"/>eser<span class=\"__14 _1072\"/>ven uppgick till </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:694.81116px;\">430 mn euro vid \u00e5rets slut (<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">455 mn euro). Reserven ber</span><span class=\"__14 _b_13\"/>\u00e4kna-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:681.28595px;\"><span class=\"__14 _1ce\">des p\u00e5 nytt under fj\u00e4rde kv</span><span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>talet. Vid denna ber\u00e4kning beak-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:667.76074px;\">tades de ex<span class=\"__14 _1058\"/>traordin\u00e4r<span class=\"__14 _b_13\"/>a utmaningar som uppst\u00e5tt till f\u00f6ljd a<span class=\"__14 _b_13\"/>v </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:654.2356px;\">energikrisen ist\u00e4llet f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _b_13\"/>, som tidigare, de negativa konsekv<span class=\"__14 _b_13\"/>en-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:640.7104px;\">serna av c<span class=\"__14 _b_13\"/>oronapandemin. Reserveringarnas tillr\u00e4cklighet </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:627.1852px;\">analyser<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ades utifr\u00e5n m\u00f6jliga eff</span><span class=\"__14 _b_13\"/>ekter a<span class=\"__14 _b_13\"/>v h\u00f6gre kostnader och </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:613.66px;\">l\u00e4gre konsum<span class=\"__14 _b_13\"/>tion och gjordes med hj\u00e4lp av uppdater<span class=\"__14 _b_13\"/>ade </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:600.13477px;\">stress<span class=\"__14 _b_13\"/>tester och sekt<span class=\"__14 _1058\"/>orbed\u00f6mningar f\u00f6r a<span class=\"__14 _b_13\"/>tt b\u00e4ttre kunna ta </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:586.60956px;\">h\u00e4nsyn till bransch- och n\u00e4ringlivsspeci\ufb01ka risker<span class=\"__14 _1c_10\"/>. Tio seg-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:573.08435px;\"><span class=\"__14 _1ce\">ment med 8 proc</span><span class=\"__14 _b_13\"/>ent av den samlade utl\u00e5ningen iden<span class=\"__14 _b_13\"/>ti\ufb01era-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:559.55914px;\">des som a<span class=\"__14 _1058\"/>vsev\u00e4rt p\u00e5<span class=\"__14 _b_13\"/>verkade, bland annat Byggindustri, </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:546.034px;\">Detaljhandel, Marktransport och K<span class=\"__14 _1058\"/>onsumentkapital<span class=\"__14 _b_13\"/>varor<span class=\"__14 _b_13\"/>. </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:532.5088px;\">Slutsatsen blev a<span class=\"__14 _b_13\"/>tt de be\ufb01ntliga reserveringarna \u00e4r tillr\u00e4ckliga </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:518.9836px;\">ocks\u00e5 f\u00f6r de f<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndrade riskutsik<span class=\"__14 _b_13\"/>terna eftersom reservering-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:505.45837px;\">arna enligt ledningens bed\u00f6mning h\u00f6jdes med 20 mn euro </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:491.93317px;\"><span class=\"__14 _1ce\">under fj\u00e4rde kvartalet (minskade 25 mn euro j\u00e4mf</span><span class=\"__14 _b_13\"/>\u00f6rt med </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:478.40796px;\">2021) till 430 mn euro. De svagheter i IFRS 9-modellen s<span class=\"__14 _b_13\"/>om </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:464.88278px;\">identi\ufb01er<span class=\"__14 _1058\"/>ats och senare ska \u00e5<span class=\"__14 _b_13\"/>tg\u00e4rdas genom modelluppdate-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:451.35757px;\">ringar (struk<span class=\"__14 _1058\"/>turell reserv) uppgick till 155 mn euro (155 mn </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:437.83237px;\">euro).<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 ha_13 ff3_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:986.27924px;\">K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h1_14 ff1_14 fs0_14 fc0_14 sc0_14 ls0_14 ws0_14\" style=\"left:656.0268px; bottom:2.1012287px;\">203<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc0_14 sc0_14 ls0_14 ws1_14\" style=\"left:497.5244px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h3_13 ff2_14 fs1_13 fc0_14 sc0_14 ls1_14 ws2_13\" style=\"left:4.2144775px; bottom:1029.1447px;\">Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span></div><div class=\"t_14 m0_14 ha_13 ff3_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:986.27924px;\">K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h5_13 ff1_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:951.6515px;\">Scenarier och a<span class=\"__14 _b_13\"/>vs\u00e4ttningar 2022<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h1_14 ff1_14 fs0_14 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:896.1175px;\">Danmark<span class=\"__14 _8a_6\"> </span><span class=\"fs7_13\">2023<span class=\"__14 _3d_8\"> </span>2024<span class=\"__14 _8b_6\"> </span>2025<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:301.55945px; bottom:935.1175px;\">F\u00f6rv\u00e4n<span class=\"__14 _1058\"/>tade </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:318.99246px; bottom:925.3675px;\">kredit- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:310.69324px; bottom:915.6175px;\">f\u00f6rlust<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>, </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:316.9244px; bottom:905.8675px;\">ovikta<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>, </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:312.58112px; bottom:896.1175px;\">mn euro<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:364.40405px; bottom:905.8675px;\">Sannolik- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:369.63785px; bottom:896.1175px;\">hetsvikt<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:425.87585px; bottom:925.3675px;\">Modell- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:420.35345px; bottom:915.6175px;\">baserade </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:406.43045px; bottom:905.8675px;\">avs\u00e4<span class=\"__14 _1058\"/>ttningar<span class=\"__14 _b_13\"/>, </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:423.95706px; bottom:896.1175px;\">mn euro<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:479.65375px; bottom:935.1175px;\">Justering <span class=\"__14 _1069\"/> </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:485.93585px; bottom:925.3675px;\">modell- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:479.65375px; bottom:915.6175px;\">baserade </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:462.85498px; bottom:905.8675px;\">avs\u00e4<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ttningar1, </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:483.93127px; bottom:896.1175px;\">mn euro<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:547.90686px; bottom:935.1175px;\">Indi- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:535.5828px; bottom:925.3675px;\">viduella <span class=\"__14 _1069\"/> </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:539.5452px; bottom:915.6175px;\">avs\u00e4<span class=\"__14 _1058\"/>tt- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:539.5452px; bottom:905.8675px;\">ningar<span class=\"__14 _b_13\"/>, </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:534.5065px; bottom:896.1175px;\">mn euro<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:592.3981px; bottom:925.3675px;\">Summa <span class=\"__14 _1069\"/> </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:594.82385px; bottom:915.6175px;\">avs\u00e4<span class=\"__14 _1058\"/>tt- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:594.82385px; bottom:905.8675px;\">ningar<span class=\"__14 _b_13\"/>, </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:589.78503px; bottom:896.1175px;\">mn euro<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:878.97424px;\">Gynnsamt </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:867.9268px;\">scenario<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:878.97424px;\">BNP-tillv\u00e4xt, % <span class=\"__14 _1093\"> </span><span class=\"ls16_11 ws3c_5\">0,7<span class=\"__14 _8c_6\"> </span></span>1,9<span class=\"__14 _1121\"> </span>1,4<span class=\"__14 _7c_6\"> </span>168<span class=\"__14 _1113\"> </span>10 %<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:861.82983px;\">Arbetsl\u00f6shet, % <span class=\"__14 _6c_6\"> </span><span class=\"ls16_11 ws3c_5\">2<span class=\"__14 _1072\"/>,7<span class=\"__14 _8c_6\"> </span>2,7<span class=\"__14 _8c_6\"> </span></span>2,6<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:844.6854px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:833.63806px;\">privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _1113\"> </span>0,8<span class=\"__14 _8c_6\"> </span>1,5<span class=\"__14 _8c_6\"> </span>2,0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:816.49365px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:805.4462px;\">bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _7e_6\"> </span>-5,0<span class=\"__14 _1119\"> </span><span class=\"ls14_11 ws3a_5\">-1<span class=\"__14 _1072\"/>,2<span class=\"__14 _8c_6\"> </span></span>2,6<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:786.82764px;\">Grundscenario<span class=\"__14 _a_13\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _6c_6\"> </span>-0,<span class=\"__14 _1c_10\"/>1<span class=\"__14 _1121\"> </span>1,2<span class=\"__14 _8c_6\"> </span>1,0<span class=\"__14 _1130\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1072\"/>3<span class=\"__14 _7b_6\"> </span></span>50 %<span class=\"__14 _8d_6\"> </span><span class=\"ls14_11 ws3a_5\">178<span class=\"__14 _1109\"> </span></span>120<span class=\"__14 _1113\"> </span>250<span class=\"__14 _1129\"> </span>548<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:769.6832px;\">Arbetsl\u00f6shet, % <span class=\"__14 _8e_6\"> </span>3,0<span class=\"__14 _1115\"> </span>3,3<span class=\"__14 _8c_6\"> </span>3,3<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:752.5388px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:741.49146px;\">privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _1113\"> </span>0,4<span class=\"__14 _5f_6\"> </span><span class=\"ls17_11 ws3d_5\">1<span class=\"__14 _1072\"/>,1<span class=\"__14 _5f_6\"> </span></span>1,5<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:724.34705px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:713.2996px;\">bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _7e_6\"> </span>-5,6<span class=\"__14 _3b_8\"> </span><span class=\"ls14_11 ws3a_5\">-1,<span class=\"__14 _1072\"/>8<span class=\"__14 _8c_6\"> </span></span>2,0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:694.681px;\">Negativt </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:683.63367px;\">scenario<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:694.681px;\">BNP-tillv\u00e4xt, % <span class=\"__14 _4b_6\"> </span>-3,0<span class=\"__14 _1115\"> </span>0,5<span class=\"__14 _1120\"> </span><span class=\"ls17_11 ws3d_5\">1<span class=\"__14 _1066\"/>,1<span class=\"__14 _4c_6\"> </span></span>186<span class=\"__14 _1120\"> </span>40 %<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:677.5366px;\">Arbetsl\u00f6shet, % <span class=\"__14 _1079\"> </span>4,0<span class=\"__14 _8f_6\"> </span>4,8<span class=\"__14 _8c_6\"> </span><span class=\"ls16_11 ws3c_5\">4<span class=\"__14 _1072\"/>,7<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:660.3922px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:649.34485px;\">privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _1118\"> </span>-1,9<span class=\"__14 _3f_8\"> </span>-0,4<span class=\"__14 _1121\"> </span>1,0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:632.20044px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:621.153px;\">bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1109\"> </span>-10,<span class=\"__14 _b_13\"/>7<span class=\"__14 _5a_6\"> </span>-5,4<span class=\"__14 _1115\"> </span>0,9<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:598.84894px;\">Finland<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:581.7045px;\">Gynnsamt </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:570.65717px;\">scenario<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:581.7045px;\">BNP-tillv\u00e4xt, % <span class=\"__14 _1093\"> </span><span class=\"ls16_11 ws3c_5\">0,7<span class=\"__14 _1121\"> </span></span>1,5<span class=\"__14 _1121\"> </span>1,2<span class=\"__14 _7c_6\"> </span>2<span class=\"__14 _1072\"/>33<span class=\"__14 _1113\"> </span>10 %<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:564.5601px;\">Arbetsl\u00f6shet, % <span class=\"__14 _1105\"> </span><span class=\"ls15_11 ws3b_5\">7,<span class=\"__14 _1072\"/>2<span class=\"__14 _1121\"> </span>7,<span class=\"__14 _1072\"/>4<span class=\"__14 _1118\"> </span>7,<span class=\"__14 _1066\"/>4<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:547.4157px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:536.36835px;\">privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _6a_6\"> </span>0,5<span class=\"__14 _8f_6\"> </span>0,9<span class=\"__14 _1121\"> </span>1,3<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:519.22394px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:508.1765px;\">bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _7e_6\"> </span>-4,4<span class=\"__14 _1115\"> </span><span class=\"ls16_11 ws3c_5\">0,7<span class=\"__14 _8c_6\"> </span></span>2,6<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:489.55792px;\">Grundscenario<span class=\"__14 _a_13\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _4b_6\"> </span>-0,3<span class=\"__14 _5f_6\"> </span><span class=\"ls17_11 ws3d_5\">1<span class=\"__14 _1072\"/>,1<span class=\"__14 _1118\"> </span></span>1,0<span class=\"__14 _4c_6\"> </span>237<span class=\"__14 _7b_6\"> </span>50 %<span class=\"__14 _1147\"> </span><span class=\"ls16_11 ws3c_5\">243<span class=\"__14 _1102\"> </span><span class=\"ls14_11 ws3a_5\">178<span class=\"__14 _1113\"> </span></span></span>200<span class=\"__14 _1148\"> </span>621<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:472.41354px;\">Arbetsl\u00f6shet, % <span class=\"__14 _6c_6\"> </span><span class=\"ls15_11 ws3b_5\">7,<span class=\"__14 _1066\"/>4<span class=\"__14 _1118\"> </span>7,<span class=\"__14 _1072\"/>7<span class=\"__14 _1120\"> </span>7,<span class=\"__14 _1072\"/>7<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:455.26913px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:444.22174px;\">privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _1121\"> </span>-0,3<span class=\"__14 _1149\"> </span>0,6<span class=\"__14 _1115\"> </span>0,9<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:427.07733px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:416.02994px;\">bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _7e_6\"> </span>-5,0<span class=\"__14 _1149\"> </span>0,0<span class=\"__14 _1121\"> </span>1,9<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:397.41135px;\">Negativt </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:386.36395px;\">scenario<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:397.41135px;\">BNP-tillv\u00e4xt, % <span class=\"__14 _4b_6\"> </span>-3,0<span class=\"__14 _8c_6\"> </span><span class=\"ls17_11 ws3d_5\">0<span class=\"__14 _1066\"/>,1<span class=\"__14 _8c_6\"> </span></span>0,9<span class=\"__14 _7c_6\"> </span><span class=\"ls1a_9 ws40_5\">252<span class=\"__14 _1120\"> </span></span>40 %<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:380.26694px;\">Arbetsl\u00f6shet, % <span class=\"__14 _8e_6\"> </span><span class=\"ls1b_8 ws41_5\">8,2<span class=\"__14 _8f_6\"> </span></span>8,5<span class=\"__14 _1115\"> </span>8,4<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:363.12253px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:352.07513px;\">privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _5f_6\"> </span><span class=\"ls16_11 ws3c_5\">-2,7<span class=\"__14 _3f_8\"> </span></span>-0,8<span class=\"__14 _1118\"> </span><span class=\"ls17_11 ws3d_5\">0<span class=\"__14 _1072\"/>,1<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:334.93073px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:323.88333px;\">bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1101\"> </span><span class=\"ls15_11 ws3b_5\">-<span class=\"__14 _1072\"/>7,<span class=\"__14 _1066\"/>2<span class=\"__14 _1096\"> </span></span>-1,5<span class=\"__14 _1115\"> </span>0,4<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h1_14 ff1_14 fs0_14 fc0_14 sc0_14 ls0_14 ws0_14\" style=\"left:0.002374649px; bottom:2.1012287px;\">204<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc0_14 sc0_14 ls0_14 ws1_14\" style=\"left:44.310143px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h3_13 ff2_14 fs1_13 fc0_14 sc0_14 ls1_14 ws2_13\" style=\"left:48.511353px; bottom:1029.1447px;\">Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span></div><div class=\"t_14 m0_14 ha_13 ff3_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:986.27924px;\">K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h1_14 ff1_14 fs0_14 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:896.7073px;\">Norge<span class=\"__14 _1150\"> </span><span class=\"fs7_13\">2023<span class=\"__14 _3d_8\"> </span>2024<span class=\"__14 _8b_6\"> </span>2025<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:345.85632px; bottom:935.7073px;\">F\u00f6rv\u00e4n<span class=\"__14 _1058\"/>tade </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:363.28934px; bottom:925.9573px;\">kredit- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:354.9901px; bottom:916.2073px;\">f\u00f6rlust<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>, </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:361.22128px; bottom:906.4573px;\">ovikta<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>, </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:356.878px; bottom:896.7073px;\">mn euro<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:408.70093px; bottom:906.4573px;\">Sannolik- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:413.93472px; bottom:896.7073px;\">hetsvikt<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:470.17273px; bottom:925.9573px;\">Modell- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:464.65033px; bottom:916.2073px;\">baserade </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:450.72733px; bottom:906.4573px;\">avs\u00e4<span class=\"__14 _1058\"/>ttningar<span class=\"__14 _b_13\"/>, </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:468.25394px; bottom:896.7073px;\">mn euro<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:523.9506px; bottom:935.7073px;\">Justering <span class=\"__14 _1069\"/> </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:530.2327px; bottom:925.9573px;\">modell- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:523.9506px; bottom:916.2073px;\">baserade </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:510.47467px; bottom:906.4573px;\">avs\u00e4<span class=\"__14 _1058\"/>ttningar<span class=\"__14 _b_13\"/>, </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:528.22815px; bottom:896.7073px;\">mn euro<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:592.20374px; bottom:935.7073px;\">Indi- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:579.8797px; bottom:925.9573px;\">viduella <span class=\"__14 _1069\"/> </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:583.8421px; bottom:916.2073px;\">avs\u00e4<span class=\"__14 _1058\"/>tt- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:583.8421px; bottom:906.4573px;\">ningar<span class=\"__14 _b_13\"/>, </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:578.80334px; bottom:896.7073px;\">mn euro<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:636.69495px; bottom:925.9573px;\">Summa <span class=\"__14 _1069\"/> </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:639.1207px; bottom:916.2073px;\">avs\u00e4<span class=\"__14 _1058\"/>tt- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:639.1207px; bottom:906.4573px;\">ningar<span class=\"__14 _b_13\"/>, </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:634.0819px; bottom:896.7073px;\">mn euro<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:879.5642px;\">Gynnsamt </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:868.5168px;\">scenario<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:879.5642px;\">BNP-tillv\u00e4xt, % <span class=\"__14 _1092\"> </span>1,6<span class=\"__14 _8c_6\"> </span>1,2<span class=\"__14 _1121\"> </span>1,0<span class=\"__14 _8d_6\"> </span>70<span class=\"__14 _1113\"> </span>10 %<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:862.4198px;\">Arbetsl\u00f6shet, % <span class=\"__14 _1105\"> </span><span class=\"ls17_11 ws3d_5\">3<span class=\"__14 _1066\"/>,1<span class=\"__14 _8c_6\"> </span></span>3,3<span class=\"__14 _8c_6\"> </span>3,2<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:845.2754px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:834.22797px;\">privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _8c_6\"> </span>-0,4<span class=\"__14 _1149\"> </span>0,6<span class=\"__14 _8c_6\"> </span>3,0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:817.08356px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:806.0362px;\">bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1151\"> </span><span class=\"ls14_11 ws3a_5\">-1,8<span class=\"__14 _8c_6\"> </span></span>1,9<span class=\"__14 _8c_6\"> </span><span class=\"ls16_11 ws3c_5\">4<span class=\"__14 _1072\"/>,7<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:787.4176px;\">Grundscenario<span class=\"__14 _a_13\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _1105\"> </span>0,<span class=\"__14 _1072\"/>8<span class=\"__14 _1149\"> </span>0,8<span class=\"__14 _8c_6\"> </span>0,3<span class=\"__14 _8d_6\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _1120\"> </span></span>50 %<span class=\"__14 _1152\"> </span>75<span class=\"__14 _1152\"> </span><span class=\"ls14_11 ws3a_5\">143<span class=\"__14 _4c_6\"> </span></span>119<span class=\"__14 _1148\"> </span>337<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:770.2732px;\">Arbetsl\u00f6shet, % <span class=\"__14 _1153\"> </span>3,3<span class=\"__14 _1115\"> </span>3,6<span class=\"__14 _1154\"> </span>3,6<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:753.1288px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:742.08136px;\">privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _1113\"> </span><span class=\"ls17_11 ws3d_5\">-<span class=\"__14 _1066\"/>1<span class=\"__14 _1072\"/>,1<span class=\"__14 _1154\"> </span></span>0,3<span class=\"__14 _1121\"> </span>1,9<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:724.93695px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:713.8896px;\">bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1132\"> </span>-2,4<span class=\"__14 _8c_6\"> </span>1,3<span class=\"__14 _1118\"> </span><span class=\"ls17_11 ws3d_5\">4<span class=\"__14 _1072\"/>,1<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:695.271px;\">Negativt </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:684.2236px;\">scenario<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:695.271px;\">BNP-tillv\u00e4xt, % <span class=\"__14 _1153\"> </span>-1,5<span class=\"__14 _1115\"> </span>0,3<span class=\"__14 _1115\"> </span>0,4<span class=\"__14 _8d_6\"> </span><span class=\"ls1d_8 ws43_5\">79<span class=\"__14 _5f_6\"> </span></span>40 %<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:678.1266px;\">Arbetsl\u00f6shet, % <span class=\"__14 _8e_6\"> </span>4,2<span class=\"__14 _8f_6\"> </span>4,4<span class=\"__14 _1154\"> </span>4,4<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:660.9822px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:649.93475px;\">privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _1121\"> </span>-2,6<span class=\"__14 _3f_8\"> </span>-0,9<span class=\"__14 _1121\"> </span>1,0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:632.7904px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:621.743px;\">bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls15_11 ws3b_5\" style=\"left:235.55524px; bottom:623.21716px;\">-<span class=\"__14 _1072\"/>7,<span class=\"__14 _1066\"/>2<span class=\"__14 _4e_6\"> </span><span class=\"ls0_14 ws0_14\">-3,0<span class=\"__14 _1118\"> </span>1,3<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:600.9131px;\">Sverige<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:583.7687px;\">Gynnsamt </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:572.72125px;\">scenario<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:583.7687px;\">BNP-tillv\u00e4xt, % <span class=\"__14 _1093\"> </span><span class=\"ls16_11 ws3c_5\">0,7<span class=\"__14 _1121\"> </span>1<span class=\"__14 _1072\"/>,7<span class=\"__14 _1121\"> </span></span>1,9<span class=\"__14 _8d_6\"> </span>83<span class=\"__14 _1113\"> </span>10 %<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:566.62427px;\">Arbetsl\u00f6shet, % <span class=\"__14 _6c_6\"> </span><span class=\"ls15_11 ws3b_5\">7,<span class=\"__14 _1066\"/>6<span class=\"__14 _1118\"> </span>7,<span class=\"__14 _1072\"/>7<span class=\"__14 _1118\"> </span>7,<span class=\"__14 _1066\"/>9<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:549.47986px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:538.4325px;\">privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _6a_6\"> </span>0,5<span class=\"__14 _1115\"> </span>2,3<span class=\"__14 _1121\"> </span>2,5<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:521.2881px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:510.24066px;\">bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1155\"> </span>-10,4<span class=\"__14 _4e_6\"> </span>-1,0<span class=\"__14 _5f_6\"> </span><span class=\"ls17_11 ws3d_5\">3<span class=\"__14 _1072\"/>,1<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:491.62207px;\">Grundscenario<span class=\"__14 _a_13\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _4b_6\"> </span>-0,5<span class=\"__14 _5f_6\"> </span><span class=\"ls17_11 ws3d_5\">1<span class=\"__14 _1072\"/>,1<span class=\"__14 _1118\"> </span></span>1,9<span class=\"__14 _1148\"> </span>86<span class=\"__14 _1120\"> </span>50 %<span class=\"__14 _1156\"> </span>88<span class=\"__14 _9a_6\"> </span>111<span class=\"__14 _6a_6\"> </span>150<span class=\"__14 _1136\"> </span>349<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:474.4777px;\">Arbetsl\u00f6shet, % <span class=\"__14 _6c_6\"> </span><span class=\"ls15_11 ws3b_5\">7,<span class=\"__14 _1066\"/>9<span class=\"__14 _1115\"> </span><span class=\"ls1b_8 ws41_5\">8,2<span class=\"__14 _1154\"> </span></span></span>8,3<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:457.33328px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:446.2859px;\">privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _8c_6\"> </span>-0,6<span class=\"__14 _1154\"> </span>1,8<span class=\"__14 _1121\"> </span>2,2<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:429.14148px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:418.0941px;\">bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _9b_6\"> </span>-10,5<span class=\"__14 _4e_6\"> </span><span class=\"ls14_11 ws3a_5\">-1,<span class=\"__14 _1072\"/>8<span class=\"__14 _8c_6\"> </span></span>2,0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:399.47546px;\">Negativt </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:388.42807px;\">scenario<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:399.47546px;\">BNP-tillv\u00e4xt, % <span class=\"__14 _4b_6\"> </span>-3,0<span class=\"__14 _1115\"> </span>0,3<span class=\"__14 _1121\"> </span>1,4<span class=\"__14 _9c_7\"> </span>91<span class=\"__14 _1120\"> </span>40 %<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:382.3311px;\">Arbetsl\u00f6shet, % <span class=\"__14 _1153\"> </span><span class=\"ls16_11 ws3c_5\">8,7<span class=\"__14 _1121\"> </span><span class=\"ls17_11 ws3d_5\">9<span class=\"__14 _1072\"/>,1<span class=\"__14 _1121\"> </span></span></span>9,2<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:365.18668px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:354.13928px;\">privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _1121\"> </span>-2,9<span class=\"__14 _1149\"> </span>0,4<span class=\"__14 _1121\"> </span>1,0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:336.99487px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:325.94748px;\">bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1111\"> </span>-13,<span class=\"__14 _b_13\"/>1<span class=\"__14 _3f_8\"> </span>-5,0<span class=\"__14 _8c_6\"> </span>0,2<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:300.17627px;\">Utanf<span class=\"__14 _b_13\"/>\u00f6r </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:289.12888px;\"><span class=\"__14 _1ce\">Norden1</span><span class=\"__14 _9d_6\"> </span>3<span class=\"__14 _1105\"> </span>2<span class=\"__14 _1155\"> </span>0<span class=\"__14 _1151\"> </span>5<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:271.98447px;\">Summa<span class=\"__14 _9e_6\"> </span>587<span class=\"__14 _1156\"> </span>554<span class=\"__14 _6a_6\"> </span>719<span class=\"__14 _8c_6\"> </span>1 860</div><div class=\"t_14 m0_14 hf_13 ff2_14 fs8_12 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:249.69754px;\"> 1) De\ufb01nierat som res<span class=\"__14 _1058\"/>erver/<span class=\"__14 _b_13\"/>avs\u00e4ttningar bokade i legala enheter<span class=\"__14 _b_13\"/>/\ufb01lialer utanf\u00f6r Norden. Reserver<span class=\"__14 _b_13\"/>/avs\u00e4<span class=\"__14 _b_13\"/>ttningar de\ufb01nierade som j\u00e4mf\u00f6relsest<span class=\"__14 _b_13\"/>\u00f6rande poster, 7<span class=\"__14 _b_13\"/>6 mn euro \u00e4r presenterade <span class=\"__14 _1069\"/> <span class=\"__14 _9f_6\"/> <span class=\"__14 _1069\"/> <span class=\"__14 _9f_6\"/> <span class=\"__14 _9f_6\"/> </div><div class=\"t_14 m0_14 hf_13 ff2_14 fs8_12 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:59.421867px; bottom:240.86066px;\">i de nordiska enheterna.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h5_13 ff1_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:951.6515px;\">Scenarier och a<span class=\"__14 _b_13\"/>vs\u00e4ttningar 2022, forts.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h1_14 ff1_14 fs0_14 fc0_14 sc0_14 ls0_14 ws0_14\" style=\"left:656.0268px; bottom:2.1012287px;\">205<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc0_14 sc0_14 ls0_14 ws1_14\" style=\"left:497.5244px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h3_13 ff2_14 fs1_13 fc0_14 sc0_14 ls1_14 ws2_13\" style=\"left:4.2144775px; bottom:1029.1447px;\">Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span></div><div class=\"t_14 m0_14 ha_13 ff3_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:986.27924px;\">K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h5_13 ff1_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:951.6515px;\">Scenarier och a<span class=\"__14 _b_13\"/>vs\u00e4ttningar 2021<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h1_14 ff1_14 fs0_14 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:896.1175px;\">Danmark<span class=\"__14 _8a_6\"> </span><span class=\"fs7_13\">2022<span class=\"__14 _1117\"> </span>2023<span class=\"__14 _a0_6\"> </span>2024<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:301.55945px; bottom:935.1175px;\">F\u00f6rv\u00e4n<span class=\"__14 _1058\"/>tade </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:318.99246px; bottom:925.3675px;\">kredit- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:310.69324px; bottom:915.6175px;\">f\u00f6rlust<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>, </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:316.9244px; bottom:905.8675px;\">ovikta<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>, </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:312.58112px; bottom:896.1175px;\">mn euro<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:364.40405px; bottom:905.8675px;\">Sannolik- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:369.63785px; bottom:896.1175px;\">hetsvikt<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:425.87585px; bottom:925.3675px;\">Modell- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:420.35345px; bottom:915.6175px;\">baserade </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:406.43045px; bottom:905.8675px;\">avs\u00e4<span class=\"__14 _1058\"/>ttningar<span class=\"__14 _b_13\"/>, </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:423.95706px; bottom:896.1175px;\">mn euro<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:479.65375px; bottom:935.1175px;\">Justering <span class=\"__14 _1069\"/> </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:485.93585px; bottom:925.3675px;\">modell- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:479.65375px; bottom:915.6175px;\">baserade </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:462.85498px; bottom:905.8675px;\">avs\u00e4<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ttningar1, </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:483.93127px; bottom:896.1175px;\">mn euro<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:547.90686px; bottom:935.1175px;\">Indi- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:535.5828px; bottom:925.3675px;\">viduella <span class=\"__14 _1069\"/> </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:539.5452px; bottom:915.6175px;\">avs\u00e4<span class=\"__14 _1058\"/>tt- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:539.5452px; bottom:905.8675px;\">ningar<span class=\"__14 _b_13\"/>, </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:534.5065px; bottom:896.1175px;\">mn euro<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:592.3981px; bottom:925.3675px;\">Summa <span class=\"__14 _1069\"/> </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:594.82385px; bottom:915.6175px;\">avs\u00e4<span class=\"__14 _1058\"/>tt- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:594.82385px; bottom:905.8675px;\">ningar<span class=\"__14 _b_13\"/>, </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:589.78503px; bottom:896.1175px;\">mn euro<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:878.97424px;\">Gynnsamt </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:867.9268px;\">scenario<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:878.97424px;\">BNP-tillv\u00e4xt, % <span class=\"__14 _1093\"> </span><span class=\"ls16_11 ws3c_5\">4,7<span class=\"__14 _8c_6\"> </span>2<span class=\"__14 _1072\"/>,7<span class=\"__14 _1121\"> </span></span>2,3<span class=\"__14 _7c_6\"> </span>198<span class=\"__14 _7b_6\"> </span>20 %<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:861.82983px;\">Arbetsl\u00f6shet, % <span class=\"__14 _6c_6\"> </span><span class=\"ls16_11 ws3c_5\">2<span class=\"__14 _1072\"/>,7<span class=\"__14 _1115\"> </span></span>2,4<span class=\"__14 _8c_6\"> </span>2,4<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:844.6854px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:833.63806px;\">privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _a1_6\"> </span><span class=\"ls15_11 ws3b_5\">7,<span class=\"__14 _1072\"/>3<span class=\"__14 _8c_6\"> </span></span>2,5<span class=\"__14 _5f_6\"> </span><span class=\"ls17_11 ws3d_5\">2<span class=\"__14 _1066\"/>,1<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:816.49365px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:805.4462px;\">bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _8e_6\"> </span>5,3<span class=\"__14 _1115\"> </span>3,3<span class=\"__14 _8c_6\"> </span>2,3<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:786.82764px;\">Grundscenario<span class=\"__14 _a_13\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _2a_8\"> </span><span class=\"ls17_11 ws3d_5\">3<span class=\"__14 _1066\"/>,1<span class=\"__14 _1154\"> </span></span>2,4<span class=\"__14 _8c_6\"> </span>2,4<span class=\"__14 _6a_6\"> </span>200<span class=\"__14 _5f_6\"> </span>60 %<span class=\"__14 _1136\"> </span>200<span class=\"__14 _1152\"> </span>163<span class=\"__14 _1113\"> </span>303<span class=\"__14 _1129\"> </span>666<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:769.6832px;\">Arbetsl\u00f6shet, % <span class=\"__14 _1153\"> </span>3,2<span class=\"__14 _1121\"> </span><span class=\"ls17_11 ws3d_5\">3<span class=\"__14 _1066\"/>,1<span class=\"__14 _1120\"> </span>3<span class=\"__14 _1072\"/>,1<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:752.5388px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:741.49146px;\">privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _a1_6\"> </span><span class=\"ls17_11 ws3d_5\">6<span class=\"__14 _1066\"/>,1<span class=\"__14 _1118\"> </span>2<span class=\"__14 _1072\"/>,1<span class=\"__14 _1121\"> </span></span>2,0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:724.34705px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:713.2996px;\">bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _4b_6\"> </span>4,6<span class=\"__14 _8c_6\"> </span>1,<span class=\"__14 _1072\"/>2<span class=\"__14 _1154\"> </span>3,0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:694.681px;\">Negativt </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:683.63367px;\">scenario<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:694.681px;\">BNP-tillv\u00e4xt, % <span class=\"__14 _1092\"> </span>1,3<span class=\"__14 _1154\"> </span>2,3<span class=\"__14 _8c_6\"> </span>2,0<span class=\"__14 _6a_6\"> </span>205<span class=\"__14 _7b_6\"> </span>20 %<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:677.5366px;\">Arbetsl\u00f6shet, % <span class=\"__14 _1105\"> </span><span class=\"ls17_11 ws3d_5\">4<span class=\"__14 _1072\"/>,1<span class=\"__14 _1115\"> </span></span>4,0<span class=\"__14 _1115\"> </span>4,0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:660.3922px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:649.34485px;\">privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _1130\"> </span><span class=\"ls17_11 ws3d_5\">5<span class=\"__14 _1072\"/>,1<span class=\"__14 _1121\"> </span></span>1,5<span class=\"__14 _1118\"> </span>1,3<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:632.20044px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:621.153px;\">bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _7e_6\"> </span>-4,4<span class=\"__14 _3b_8\"> </span>-1,9<span class=\"__14 _1121\"> </span>1,4<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:598.84894px;\">Finland<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:581.7045px;\">Gynnsamt </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:570.65717px;\">scenario<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:581.7045px;\">BNP-tillv\u00e4xt, % <span class=\"__14 _a2_6\"> </span>4,0<span class=\"__14 _1154\"> </span>1,8<span class=\"__14 _1118\"> </span>1,2<span class=\"__14 _6a_6\"> </span>2<span class=\"__14 _1072\"/>38<span class=\"__14 _7b_6\"> </span>20 %<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:564.5601px;\">Arbetsl\u00f6shet, % <span class=\"__14 _1153\"> </span><span class=\"ls16_11 ws3c_5\">6,7<span class=\"__14 _1115\"> </span></span>6,4<span class=\"__14 _1154\"> </span>6,2<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:547.4157px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:536.36835px;\">privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _7c_6\"> </span>5,5<span class=\"__14 _1121\"> </span><span class=\"ls16_11 ws3c_5\">1,7<span class=\"__14 _1121\"> </span></span>1,6<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:519.22394px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:508.1765px;\">bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1105\"> </span><span class=\"ls17_11 ws3d_5\">3,1<span class=\"__14 _1121\"> </span><span class=\"ls16_11 ws3c_5\">2,7<span class=\"__14 _8c_6\"> </span></span></span>2,0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:489.55792px;\">Grundscenario<span class=\"__14 _a_13\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _a3_6\"> </span>2,8<span class=\"__14 _8c_6\"> </span>1,3<span class=\"__14 _1121\"> </span>1,0<span class=\"__14 _7c_6\"> </span><span class=\"ls16_11 ws3c_5\">242<span class=\"__14 _7b_6\"> </span></span>60 %<span class=\"__14 _1147\"> </span><span class=\"ls16_11 ws3c_5\">244<span class=\"__14 _a4_6\"> </span><span class=\"ls14_11 ws3a_5\">177<span class=\"__14 _7c_6\"> </span><span class=\"ls18_10 ws3e_5\">197<span class=\"__14 _1148\"> </span></span></span></span>618<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:472.41354px;\">Arbetsl\u00f6shet, % <span class=\"__14 _1079\"> </span>6,9<span class=\"__14 _1154\"> </span><span class=\"ls16_11 ws3c_5\">6<span class=\"__14 _1072\"/>,7<span class=\"__14 _1154\"> </span></span>6,6<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:455.26913px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:444.22174px;\">privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _a5_7\"> </span>4,6<span class=\"__14 _8c_6\"> </span>1,3<span class=\"__14 _1118\"> </span>1,2<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:427.07733px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:416.02994px;\">bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _6c_6\"> </span>1,5<span class=\"__14 _1154\"> </span>1,6<span class=\"__14 _1121\"> </span>1,4<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:397.41135px;\">Negativt </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:386.36395px;\">scenario<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:397.41135px;\">BNP-tillv\u00e4xt, % <span class=\"__14 _a2_6\"> </span>0,6<span class=\"__14 _8c_6\"> </span>1,2<span class=\"__14 _1154\"> </span>0,9<span class=\"__14 _7c_6\"> </span>255<span class=\"__14 _7b_6\"> </span>20 %<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:380.26694px;\">Arbetsl\u00f6shet, % <span class=\"__14 _1105\"> </span><span class=\"ls15_11 ws3b_5\">7,<span class=\"__14 _1072\"/>7<span class=\"__14 _1118\"> </span>7,<span class=\"__14 _1072\"/>5<span class=\"__14 _5f_6\"> </span>7,<span class=\"__14 _1072\"/>2<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:363.12253px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:352.07513px;\">privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _6a_6\"> </span>2,9<span class=\"__14 _8f_6\"> </span>0,6<span class=\"__14 _1115\"> </span>0,6<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:334.93073px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:73.222244px; bottom:323.88333px;\">bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1132\"> </span>-2,0<span class=\"__14 _3f_8\"> </span>-0,3<span class=\"__14 _8c_6\"> </span>0,5<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h1_14 ff1_14 fs0_14 fc0_14 sc0_14 ls0_14 ws0_14\" style=\"left:0.002374649px; bottom:2.1012287px;\">206<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc0_14 sc0_14 ls0_14 ws1_14\" style=\"left:44.310143px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h3_13 ff2_14 fs1_13 fc0_14 sc0_14 ls1_14 ws2_13\" style=\"left:48.511353px; bottom:1029.1447px;\">Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span></div><div class=\"t_14 m0_14 ha_13 ff3_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:986.27924px;\">K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h5_13 ff1_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:951.6515px;\">Scenarier och a<span class=\"__14 _b_13\"/>vs\u00e4ttningar 2021, forts.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h1_14 ff1_14 fs0_14 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:896.7073px;\">Norge<span class=\"__14 _1150\"> </span><span class=\"fs7_13\">2022<span class=\"__14 _1117\"> </span>2023<span class=\"__14 _a0_6\"> </span>2024<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:345.85632px; bottom:935.7073px;\">F\u00f6rv\u00e4n<span class=\"__14 _1058\"/>tade </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:363.28934px; bottom:925.9573px;\">kredit- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:354.9901px; bottom:916.2073px;\">f\u00f6rlust<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>, </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:361.22128px; bottom:906.4573px;\">ovikta<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>, </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:356.878px; bottom:896.7073px;\">mn euro<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:408.70093px; bottom:906.4573px;\">Sannolik- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:413.93472px; bottom:896.7073px;\">hetsvikt<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:470.17273px; bottom:925.9573px;\">Modell- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:464.65033px; bottom:916.2073px;\">baserade </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:450.72733px; bottom:906.4573px;\">avs\u00e4<span class=\"__14 _1058\"/>ttningar<span class=\"__14 _b_13\"/>, </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:468.25394px; bottom:896.7073px;\">mn euro<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:523.9506px; bottom:935.7073px;\">Justering <span class=\"__14 _1069\"/> </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:530.2327px; bottom:925.9573px;\">modell- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:523.9506px; bottom:916.2073px;\">baserade </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:507.15186px; bottom:906.4573px;\">avs\u00e4<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ttningar1, </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:528.22815px; bottom:896.7073px;\">mn euro<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:592.20374px; bottom:935.7073px;\">Indi- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:579.8797px; bottom:925.9573px;\">viduella <span class=\"__14 _1069\"/> </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:583.8421px; bottom:916.2073px;\">avs\u00e4<span class=\"__14 _1058\"/>tt- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:583.8421px; bottom:906.4573px;\">ningar<span class=\"__14 _b_13\"/>, </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:578.80334px; bottom:896.7073px;\">mn euro<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:636.69495px; bottom:925.9573px;\">Summa <span class=\"__14 _1069\"/> </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:639.1207px; bottom:916.2073px;\">avs\u00e4<span class=\"__14 _1058\"/>tt- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:639.1207px; bottom:906.4573px;\">ningar<span class=\"__14 _b_13\"/>, </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:634.0819px; bottom:896.7073px;\">mn euro<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:879.5642px;\">Gynnsamt </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:868.5168px;\">scenario<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:879.5642px;\">BNP-tillv\u00e4xt, % <span class=\"__14 _a2_6\"> </span>4,6<span class=\"__14 _1121\"> </span><span class=\"ls16_11 ws3c_5\">1,7<span class=\"__14 _1118\"> </span></span>1,4<span class=\"__14 _1148\"> </span>82<span class=\"__14 _a6_7\"> </span>20 %<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:862.4198px;\">Arbetsl\u00f6shet, % <span class=\"__14 _1153\"> </span>3,5<span class=\"__14 _1115\"> </span>3,3<span class=\"__14 _8c_6\"> </span>3,3<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:845.2754px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:834.22797px;\">privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _8c_6\"> </span>10,2<span class=\"__14 _1149\"> </span>4,0<span class=\"__14 _1121\"> </span>2,3<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:817.08356px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:806.0362px;\">bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1079\"> </span>3,9<span class=\"__14 _1154\"> </span>2,5<span class=\"__14 _8c_6\"> </span>2,4<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:787.4176px;\">Grundscenario<span class=\"__14 _a_13\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _a2_6\"> </span>3,<span class=\"__14 _1072\"/>8<span class=\"__14 _8c_6\"> </span>1,3<span class=\"__14 _1115\"> </span>0,9<span class=\"__14 _1148\"> </span>84<span class=\"__14 _1120\"> </span>60 %<span class=\"__14 _1156\"> </span>84<span class=\"__14 _1155\"> </span>180<span class=\"__14 _7b_6\"> </span>360<span class=\"__14 _1147\"> </span><span class=\"ls16_11 ws3c_5\">624<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:770.2732px;\">Arbetsl\u00f6shet, % <span class=\"__14 _6c_6\"> </span><span class=\"ls16_11 ws3c_5\">3,7<span class=\"__14 _1115\"> </span></span>3,6<span class=\"__14 _1121\"> </span><span class=\"ls16_11 ws3c_5\">3,7<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:753.1288px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:742.08136px;\">privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _a5_7\"> </span>9,6<span class=\"__14 _1115\"> </span>3,6<span class=\"__14 _1121\"> </span>1,5<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:724.93695px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:713.8896px;\">bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _a7_7\"> </span><span class=\"ls16_11 ws3c_5\">1,7<span class=\"__14 _1121\"> </span></span>1,2<span class=\"__14 _1154\"> </span>3,0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:695.271px;\">Negativt </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:684.2236px;\">scenario<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:695.271px;\">BNP-tillv\u00e4xt, % <span class=\"__14 _1092\"> </span>1,2<span class=\"__14 _1121\"> </span>1,2<span class=\"__14 _1120\"> </span><span class=\"ls17_11 ws3d_5\">1<span class=\"__14 _1066\"/>,1<span class=\"__14 _8d_6\"> </span></span>89<span class=\"__14 _7b_6\"> </span>20 %<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:678.1266px;\">Arbetsl\u00f6shet, % <span class=\"__14 _1079\"> </span>4,8<span class=\"__14 _8f_6\"> </span>4,6<span class=\"__14 _8c_6\"> </span>4,5<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:660.9822px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:649.93475px;\">privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _1113\"> </span>8,0<span class=\"__14 _8c_6\"> </span><span class=\"ls16_11 ws3c_5\">2,7<span class=\"__14 _7b_6\"> </span><span class=\"ls17_11 ws3d_5\">1<span class=\"__14 _1066\"/>,1<span class=\"__14 _1ce\"> </span></span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:632.7904px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:621.743px;\">bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:232.46332px; bottom:623.21716px;\">-4,6<span class=\"__14 _5a_6\"> </span>-3,0<span class=\"__14 _1121\"> </span>1,4<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:600.9131px;\">Sverige<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:583.7687px;\">Gynnsamt </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:572.72125px;\">scenario<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:583.7687px;\">BNP-tillv\u00e4xt, % <span class=\"__14 _1093\"> </span>5,2<span class=\"__14 _1115\"> </span>2,4<span class=\"__14 _1121\"> </span>1,8<span class=\"__14 _1148\"> </span>93<span class=\"__14 _a6_7\"> </span>20 %<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:566.62427px;\">Arbetsl\u00f6shet, % <span class=\"__14 _a7_7\"> </span><span class=\"ls15_11 ws3b_5\">7,<span class=\"__14 _1066\"/>2<span class=\"__14 _8c_6\"> </span><span class=\"ls16_11 ws3c_5\">6,7<span class=\"__14 _1121\"> </span>6,7<span class=\"__14 _1ce\"> </span></span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:549.47986px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:538.4325px;\">privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _6a_6\"> </span>6,2<span class=\"__14 _1115\"> </span>2,8<span class=\"__14 _8c_6\"> </span>2,4<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:521.2881px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:510.24066px;\">bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _4b_6\"> </span>4,6<span class=\"__14 _1154\"> </span>2,5<span class=\"__14 _8c_6\"> </span>2,4<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:491.62207px;\">Grundscenario<span class=\"__14 _a_13\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _a3_6\"> </span>3,6<span class=\"__14 _1154\"> </span>2,2<span class=\"__14 _1121\"> </span>1,8<span class=\"__14 _1148\"> </span>96<span class=\"__14 _5f_6\"> </span>60 %<span class=\"__14 _1156\"> </span>96<span class=\"__14 _1151\"> </span>70<span class=\"__14 _1136\"> </span>98<span class=\"__14 _1136\"> </span>264<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:474.4777px;\">Arbetsl\u00f6shet, % <span class=\"__14 _6c_6\"> </span><span class=\"ls15_11 ws3b_5\">7,<span class=\"__14 _1066\"/>6<span class=\"__14 _1121\"> </span>7,<span class=\"__14 _1066\"/>2<span class=\"__14 _1113\"> </span>7,1<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:457.33328px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:446.2859px;\">privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _a5_7\"> </span>4,6<span class=\"__14 _1115\"> </span>2,6<span class=\"__14 _5f_6\"> </span><span class=\"ls17_11 ws3d_5\">2<span class=\"__14 _1072\"/>,1<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:429.14148px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:418.0941px;\">bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _a7_7\"> </span><span class=\"ls17_11 ws3d_5\">2<span class=\"__14 _1066\"/>,1<span class=\"__14 _8c_6\"> </span></span>1,8<span class=\"__14 _8c_6\"> </span>3,0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:399.47546px;\">Negativt </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:388.42807px;\">scenario<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:399.47546px;\">BNP-tillv\u00e4xt, % <span class=\"__14 _1092\"> </span>1,4<span class=\"__14 _1121\"> </span><span class=\"ls16_11 ws3c_5\">1,7<span class=\"__14 _8c_6\"> </span></span>2,0<span class=\"__14 _1130\"> </span>101<span class=\"__14 _7b_6\"> </span>20 %<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:382.3311px;\">Arbetsl\u00f6shet, % <span class=\"__14 _8e_6\"> </span>8,3<span class=\"__14 _8c_6\"> </span><span class=\"ls17_11 ws3d_5\">8<span class=\"__14 _1066\"/>,1<span class=\"__14 _1118\"> </span><span class=\"ls15_11 ws3b_5\">7,<span class=\"__14 _1072\"/>9<span class=\"__14 _1ce\"> </span></span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:365.18668px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:354.13928px;\">privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _6a_6\"> </span>2,9<span class=\"__14 _8c_6\"> </span>1,<span class=\"__14 _1072\"/>2<span class=\"__14 _1121\"> </span>1,6<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:336.99487px;\">F\u00f6r\u00e4ndring i </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:117.51912px; bottom:325.94748px;\">bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1132\"> </span><span class=\"ls16_11 ws3c_5\">-<span class=\"__14 _1072\"/>4<span class=\"__14 _1072\"/>,7<span class=\"__14 _3b_8\"> </span></span>-3,7<span class=\"__14 _1118\"> </span>1,2<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:300.17627px;\">Utanf<span class=\"__14 _b_13\"/>\u00f6r </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:289.12888px;\">Norden<span class=\"__14 _a8_7\"> </span>4<span class=\"__14 _a7_7\"> </span>6<span class=\"__14 _6a_6\"> </span>222<span class=\"__14 _1148\"> </span>232<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:271.98447px;\">Summa<span class=\"__14 _a9_7\"> </span>628<span class=\"__14 _aa_6\"> </span>596<span class=\"__14 _1119\"> </span>1 180<span class=\"__14 _1154\"> </span>2 404</div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:249.69754px;\"> <span class=\"fs8_12\">1)  Inkluderar 610 mn euro a<span class=\"__14 _1058\"/>vseende reserveringar enligt ledningens bed\u00f6mning och -14 mn eur<span class=\"__14 _1058\"/>o avseende sena r<span class=\"__14 _1058\"/>\u00e4ttelser<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 h1_14 ff1_14 fs0_14 fc0_14 sc0_14 ls0_14 ws0_14\" style=\"left:657.87054px; bottom:2.1012287px;\">207<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc0_14 sc0_14 ls0_14 ws1_14\" style=\"left:499.36816px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h3_13 ff2_14 fs1_13 fc0_14 sc0_14 ls1_14 ws2_13\" style=\"left:6.0582275px; bottom:1029.1447px;\">Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span></div><div class=\"t_14 m0_14 ha_13 ff3_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.014526367px; bottom:986.27924px;\">K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h8_13 ff2_14 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:1.8570175px; bottom:951.164px;\">2.<span class=\"__14 _b_13\"/>10 Kreditportf\u00f6lj </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:1.8570175px; bottom:937.63495px;\">Den samlade kreditriske<span class=\"__14 _b_13\"/>xponeringen, inklusive poster i och </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:1.8570175px; bottom:924.10974px;\">utanf<span class=\"__14 _b_13\"/>\u00f6r balansr\u00e4kningen och exponeringar h\u00e4nf<span class=\"__14 _b_13\"/>\u00f6rliga till v\u00e4r-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:1.8570175px; bottom:910.58453px;\">depapper och livf\u00f6rs\u00e4kringsr\u00f6relsen, uppgick vid \u00e5rsskiftet till </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:1.8570175px; bottom:897.0593px;\"><span class=\"__14 _1ce\">565 md euro (553 md euro f</span><span class=\"__14 _b_13\"/>\u00f6rra \u00e5ret). Den samlade kredite<span class=\"__14 _b_13\"/>x-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:1.8570175px; bottom:883.5341px;\">poneringen enligt de\ufb01nitionen i kapitalt\u00e4ckningsf<span class=\"__14 _b_13\"/>\u00f6rordningen </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:1.8570175px; bottom:870.0089px;\">uppgick vid \u00e5rets slut, efter den s\u00e5 kallade kreditkon<span class=\"__14 _b_13\"/>ver<span class=\"__14 _1072\"/>te-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:1.8570175px; bottom:856.4837px;\">ringsfak<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">torn, till 511 md euro (506 md euro). Kr</span><span class=\"__14 _b_13\"/>editrisk m\u00e4ts, </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:1.8570175px; bottom:842.9585px;\">\u00f6vervakas och delas upp p\u00e5 olika s\u00e4<span class=\"__14 _b_13\"/>tt<span class=\"__14 _1072\"/>. Utl\u00e5ning i balansr\u00e4k-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:1.8570175px; bottom:829.4333px;\">ningen best\u00e5r a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">v utl\u00e5ning till upplupet anskaffningsv\u00e4rde och </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:1.8570175px; bottom:815.90814px;\">verkligt v\u00e4r<span class=\"__14 _1058\"/>de och utg\u00f6r huvuddelen a<span class=\"__14 _b_13\"/>v kreditpor<span class=\"__14 _1072\"/>tf\u00f6ljen. Utl\u00e5<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:1.8570175px; bottom:802.38293px;\"><span class=\"__14 _1ce\">ning till upplupet anskaffningsv</span><span class=\"__14 _b_13\"/>\u00e4rde bildar underlag f\u00f6r </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:1.8570175px; bottom:788.8577px;\">os\u00e4kra l\u00e5nef<span class=\"__14 _b_13\"/>ordringar<span class=\"__14 _b_13\"/>, reserveringar och kreditf\u00f6rlus<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1058\"/>.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:14.752373px; bottom:775.3325px;\">Kreditrisken i utl\u00e5ningen m\u00e4ts och r<span class=\"__14 _b_13\"/>edovisas som kapital-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:1.8570175px; bottom:761.8073px;\">beloppet av f<span class=\"__14 _b_13\"/>ordringar i balansr\u00e4kningen, dvs. utl\u00e5ning till </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:1.8570175px; bottom:748.2821px;\">kreditinstitut och till allm\u00e4nheten, och s<span class=\"__14 _1058\"/>om ansvarsf\u00f6rbindel<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:1.8570175px; bottom:734.7569px;\">ser och \u00e5taganden gen<span class=\"__14 _b_13\"/>temot kunder och motparter<span class=\"__14 _b_13\"/>, netto </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:1.8570175px; bottom:721.2317px;\">efter reserveringar<span class=\"__14 _1c_10\"/>. Kreditriskexponeringen omf<span class=\"__14 _b_13\"/>attar ocks\u00e5 </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:1.8570175px; bottom:707.70654px;\">risken h\u00e4nf<span class=\"__14 _b_13\"/>\u00f6rlig till derivatkon<span class=\"__14 _1058\"/>trak<span class=\"__14 _b_13\"/>t och v\u00e4rdepappers\ufb01nan-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:1.8570175px; bottom:694.18134px;\">siering. Nordeas utl\u00e5ning till allm\u00e4nheten \u00f6kade under 2022 </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:1.8570175px; bottom:680.6561px;\"><span class=\"__14 _1ce\">med 0,2 procent, till 346 md euro (345 md euro</span><span class=\"__14 _b_13\"/>). Utl\u00e5ningen </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:1.8570175px; bottom:667.1309px;\">till f\u00f6r<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">etag \u00f6kade med omkring 4,2 procen</span><span class=\"__14 _1058\"/>t, medan utl\u00e5-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:1.8570175px; bottom:653.6057px;\"><span class=\"__14 _1ce\">ningen till privatpersoner minskade med 3,4 pr</span><span class=\"__14 _1058\"/>ocent. Den </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:1.8570175px; bottom:640.0805px;\">\u00f6vergripande kr<span class=\"__14 _b_13\"/>editkvaliteten \u00e4r stabil, med h\u00f6g kreditv\u00e4r<span class=\"__14 _b_13\"/>dig-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:1.8570175px; bottom:626.5553px;\">het bland kunderna. <span class=\"__14 _b_13\"/>Till f\u00f6ljd a<span class=\"__14 _b_13\"/>v de just nu os\u00e4kra makroeko-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:1.8570175px; bottom:613.0301px;\">nomiska utsikt<span class=\"__14 _1058\"/>erna genomf<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>s noggranna uppf<span class=\"__14 _b_13\"/>\u00f6ljningar, men </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:1.8570175px; bottom:599.50494px;\">kreditkvalitet<span class=\"__14 _b_13\"/>en var fortsatt stark under 2022. <span class=\"__14 _b_13\"/>Av utl\u00e5ningen </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:1.8570175px; bottom:585.97974px;\">till allm\u00e4nheten a<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">vs\u00e5g 46,0 procen</span><span class=\"__14 _b_13\"/>t (44,3 procen<span class=\"__14 _b_13\"/>t) f\u00f6retag, </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:1.8570175px; bottom:572.4545px;\"><span class=\"__14 _1ce\">52,5 procent (54,4 pr</span><span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ocent) privatpersoner och 1,5 proc</span><span class=\"__14 _b_13\"/>ent </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:1.8570175px; bottom:558.9293px;\"><span class=\"__14 _1ce\">(1,3 procen</span><span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">t) den offentliga sek</span><span class=\"__14 _b_13\"/>torn. Utl\u00e5ningen till central<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:1.8570175px; bottom:545.4041px;\">banker och kreditinstitut, huvudsakligen i f<span class=\"__14 _1058\"/>orm av tillgodoha<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:1.8570175px; bottom:531.8789px;\">vanden i andra bank<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>, \u00f6kade och uppgick vid utg\u00e5ngen av </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:1.8570175px; bottom:518.3537px;\"><span class=\"__14 _1ce\">2022 till 5 md euro (2 md euro</span><span class=\"__14 _1058\"/>).<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h8_13 ff2_14 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:322.45547px; bottom:951.164px;\">2.<span class=\"__14 _b_13\"/>11 Utl\u00e5ning till f\u00f6r<span class=\"__14 _b_13\"/>etagskunder<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:322.45547px; bottom:937.63495px;\">Utl\u00e5ningen till f\u00f6r<span class=\"__14 _1058\"/>etagskunder uppgick vid utg\u00e5ngen a<span class=\"__14 _b_13\"/>v 2022 </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:322.45547px; bottom:924.10974px;\"><span class=\"__14 _1ce\">till 159 md euro (153 md euro</span><span class=\"__14 _1058\"/>). Den bransch som \u00f6kade mes<span class=\"__14 _b_13\"/>t i </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:322.45547px; bottom:910.58453px;\">absoluta termer under \u00e5r<span class=\"__14 _1058\"/>et var Industri, medan Samh\u00e4llsn<span class=\"__14 _1058\"/>yt-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:322.45547px; bottom:897.0593px;\">tiga tj\u00e4nster minskade mes<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>. De tre st\u00f6rsta br<span class=\"__14 _1058\"/>anscherna (F<span class=\"__14 _b_13\"/>ast-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:322.45547px; bottom:883.5341px;\">ighetsbolag, Finansinstitut och Industri) sv<span class=\"__14 _b_13\"/>arade tillsammans </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:322.45547px; bottom:870.0089px;\"><span class=\"__14 _1ce\">f\u00f6r cirka 60 pr</span><span class=\"__14 _b_13\"/>ocent av den samlade utl\u00e5ningen till f<span class=\"__14 _b_13\"/>\u00f6retag. </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:322.45547px; bottom:856.4837px;\">F<span class=\"__14 _b_13\"/>astighetsbolag var fortsatt den s<span class=\"__14 _1058\"/>t\u00f6rsta brans<span class=\"__14 _1058\"/>chen i Nordeas </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:322.45547px; bottom:842.9585px;\"><span class=\"__14 _1ce\">kreditportf\u00f6lj, med 44,6 md euro (</span><span class=\"__14 _b_13\"/>46,5 md euro). F<span class=\"__14 _b_13\"/>astighets-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:322.45547px; bottom:829.4333px;\">kreditportf\u00f6ljen dominer<span class=\"__14 _1058\"/>as av r<span class=\"__14 _b_13\"/>elativt stora och \ufb01nansiellt </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:322.45547px; bottom:815.90814px;\">starka f<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">\u00f6retag, med 94 procent (94 pr</span><span class=\"__14 _b_13\"/>ocent) av e<span class=\"__14 _b_13\"/>xponeringen </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:322.45547px; bottom:802.38293px;\">i ratingklass 4\u2013 och h\u00f6gr<span class=\"__14 _1058\"/>e. Som framg\u00e5r a<span class=\"__14 _b_13\"/>v tabellen nedan \u00e4r </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:322.45547px; bottom:788.8577px;\">utl\u00e5ningen till f\u00f6r<span class=\"__14 _1058\"/>etagskunder v\u00e4l div<span class=\"__14 _b_13\"/>er<span class=\"__14 _1072\"/>si\ufb01erad sett till l\u00e5nens </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:322.45547px; bottom:775.3325px;\"><span class=\"__14 _1ce\">storlek. Cirka 64 procen</span><span class=\"__14 _b_13\"/>t (68 procent) a<span class=\"__14 _b_13\"/>v f\u00f6retagsutl\u00e5ningen </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:322.45547px; bottom:761.8073px;\">avser l\u00e5n p\u00e5 upp till 50 mn eur<span class=\"__14 _b_13\"/>o per kund.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h5_13 ff1_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:322.45547px; bottom:735.27625px;\">Utl\u00e5ning till f\u00f6r<span class=\"__14 _1058\"/>etagskunder<span class=\"__14 _b_13\"/>, efter l\u00e5nets st<span class=\"__14 _1058\"/>orlek<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:463.6936px; bottom:711.32336px;\">31 dec 2022<span class=\"__14 _1153\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:327.61453px; bottom:685.404px;\">Storlek i mn euro<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws22_10\" style=\"left:447.64874px; bottom:695.154px;\">Utl\u00e5ning    </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:448.70953px; bottom:685.404px;\">md euro<span class=\"__14 _1147\"> </span>%<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws22_10\" style=\"left:543.4639px; bottom:695.154px;\">Utl\u00e5ning    </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:544.71893px; bottom:685.404px;\">md euro<span class=\"__14 _1147\"> </span>%<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:327.61453px; bottom:668.262px;\">0\u201310<span class=\"__14 _ab_6\"> </span>64,0<span class=\"__14 _4c_6\"> </span>40<span class=\"__14 _8f_6\"> </span>65,5<span class=\"__14 _4c_6\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:327.61453px; bottom:651.1177px;\">11\u201350<span class=\"__14 _ac_6\"> </span>38,3<span class=\"__14 _1130\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1121\"> </span><span class=\"ls15_11 ws3b_5\">3<span class=\"__14 _1072\"/>7,<span class=\"__14 _1072\"/>7<span class=\"__14 _1104\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1ce\"> </span></span></span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls14_11 ws3a_5\" style=\"left:327.61453px; bottom:633.97327px;\">51\u2013100<span class=\"__14 _ad_6\"> </span><span class=\"ls0_14 ws0_14\">20,5<span class=\"__14 _1104\"> </span>13<span class=\"__14 _1115\"> </span><span class=\"ls1b_8 ws41_5\">1<span class=\"__14 _b_13\"/>8,8<span class=\"__14 _1129\"> </span><span class=\"ls0_14 ws0_14\">12<span class=\"__14 _1ce\"> </span></span></span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:327.61453px; bottom:616.82886px;\">101\u2013<span class=\"__14 _b_13\"/>2<span class=\"__14 _1072\"/>50<span class=\"__14 _ae_7\"> </span>21,6<span class=\"__14 _1104\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1115\"> </span></span>19,6<span class=\"__14 _1104\"> </span>13<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:327.61453px; bottom:599.68445px;\">251\u2013500<span class=\"__14 _af_7\"> </span>9,3<span class=\"__14 _1106\"> </span>6<span class=\"__14 _4c_6\"> </span><span class=\"ls17_11 ws3d_5\">5<span class=\"__14 _1066\"/>,1<span class=\"__14 _b0_6\"> </span></span>3<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:327.61453px; bottom:582.54004px;\">501\u2013<span class=\"__14 _b1_6\"> </span>5,5<span class=\"__14 _1106\"> </span>3<span class=\"__14 _a6_7\"> </span>6,0<span class=\"__14 _1106\"> </span>4<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:327.61453px; bottom:565.3956px;\">Summa<span class=\"__14 _b2_7\"> </span>159,2<span class=\"__14 _1121\"> </span>100<span class=\"__14 _3f_8\"> </span>152,<span class=\"__14 _1058\"/>7<span class=\"__14 _1121\"> </span>100<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h8_13 ff2_14 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:322.45547px; bottom:538.38617px;\">2.<span class=\"__14 _b_13\"/>12 Utl\u00e5ning till privatk<span class=\"__14 _b_13\"/>under </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:322.45547px; bottom:524.8571px;\">Utl\u00e5ningen till privatk<span class=\"__14 _b_13\"/>under minskade under 2022 med </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:322.45547px; bottom:511.3319px;\"><span class=\"__14 _1ce\">3,4 procen</span><span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/><span class=\"__14 _1ce\">, till 181 md euro (188 md euro). Minskningen </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:322.45547px; bottom:497.8067px;\">avs\u00e5g alla nor<span class=\"__14 _b_13\"/>diska l\u00e4nder utom Finland och var huvudsakli-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:322.45547px; bottom:484.2815px;\">gen h\u00e4nf<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">\u00f6rlig till bol\u00e5n. Bol\u00e5nen minskade till 155 md euro </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:322.45547px; bottom:470.7563px;\">(162 md euro), medan konsum<span class=\"__14 _b_13\"/>tionsl\u00e5nen \u00f6kade n\u00e5got till </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:322.45547px; bottom:457.2311px;\"><span class=\"__14 _1ce\">26 md euro (25 md euro). Bol\u00e5nens andel a</span><span class=\"__14 _b_13\"/>v utl\u00e5ningen till </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:322.45547px; bottom:443.7059px;\">privatk<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">under var stabil med 86 procen</span><span class=\"__14 _b_13\"/>t (86 procent).<span class=\"__14 _1ce\"> </span></div>208<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till allm\u00e4nheten, v\u00e4rder<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ad till upplupet anskaffningsv\u00e4rde och v</span><span class=\"__14 _b_13\"/>erkligt v\u00e4rde<span class=\"__14 _1ce\"> </span>31 dec 2022, mn euro<span class=\"__14 _b3_6\"> </span>Danmark<span class=\"__14 _1130\"> </span>Finland<span class=\"__14 _b0_6\"> </span>Norge<span class=\"__14 _1113\"> </span><span class=\"__14 _1ce\">Sverige1</span><span class=\"__14 _8d_6\"> </span><span class=\"__14 _1ce\">\u00d6vrigt1</span><span class=\"__14 _1130\"> </span>Summa Finansinstitut<span class=\"__14 _b4_6\"> </span>3 004<span class=\"__14 _1156\"> </span>1 834<span class=\"__14 _1152\"> </span>1 218<span class=\"__14 _b0_6\"> </span>8 430<span class=\"__14 _b5_7\"> </span><span class=\"ls18_10 ws3e_5\">597<span class=\"__14 _1136\"> </span></span>15 083<span class=\"__14 _1ce\"> </span>Jordbruk<span class=\"__14 _b6_7\"> </span>4 880<span class=\"__14 _b5_7\"> </span>352<span class=\"__14 _b7_7\"> </span>3 039<span class=\"__14 _8e_6\"> </span>161<span class=\"__14 _b8_6\"> </span>5<span class=\"__14 _b7_7\"> </span>8 437     Gr\u00f6dor<span class=\"__14 _b_13\"/>, odling och jakt<span class=\"__14 _b9_7\"> </span><span class=\"ls18_10 ws3e_5\">2 797<span class=\"__14 _8e_6\"> </span><span class=\"ls14_11 ws3a_5\">173<span class=\"__14 _8e_6\"> </span></span></span>118<span class=\"__14 _4b_6\"> </span>107<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _aa_6\"> </span>3 199     Djurh\u00e5llning<span class=\"__14 _ba_7\"> </span>2 069<span class=\"__14 _1079\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1072\"/>3<span class=\"__14 _1079\"> </span></span>125<span class=\"__14 _1093\"> </span>53<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b7_7\"> </span>2 420     Fiske och vatt<span class=\"__14 _1058\"/>enbruk<span class=\"__14 _1099\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1087\"> </span></span>6<span class=\"__14 _aa_6\"> </span>2 796<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _aa_6\"> </span>2 818<span class=\"__14 _1ce\"> </span>Naturresurser<span class=\"__14 _bc_6\"> </span>188<span class=\"__14 _1152\"> </span>1 120<span class=\"__14 _9b_6\"> </span>1 07<span class=\"__14 _1072\"/>7<span class=\"__14 _8e_6\"> </span><span class=\"ls14_11 ws3a_5\">517<span class=\"__14 _4b_6\"> </span></span>201<span class=\"__14 _1156\"> </span>3 103     Pappers- och skogsproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _bd_7\"> </span>162<span class=\"__14 _1101\"> </span>859<span class=\"__14 _1101\"> </span>483<span class=\"__14 _b5_7\"> </span>452<span class=\"__14 _1079\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1072\"/>7<span class=\"__14 _1152\"> </span></span>2 133     Gruvdrift och kringverksamhet<span class=\"__14 _8a_6\"> </span>9<span class=\"__14 _be_7\"> </span>225<span class=\"__14 _4b_6\"> </span>120<span class=\"__14 _a3_6\"> </span>63<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _b5_7\"> </span>418<span class=\"__14 _1ce\">     Olje-, gas- och offshore-verksamhet</span><span class=\"__14 _1097\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _a3_6\"> </span></span>36<span class=\"__14 _be_7\"> </span><span class=\"ls1f_7 ws45_4\">4<span class=\"__14 _1066\"/>74<span class=\"__14 _bf_7\"> </span></span>2<span class=\"__14 _1093\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _b5_7\"> </span></span>552<span class=\"__14 _1ce\"> </span>Konsument dagligv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _c0_7\"> </span>2 300<span class=\"__14 _b5_7\"> </span>881<span class=\"__14 _1151\"> </span>809<span class=\"__14 _1155\"> </span>1 593<span class=\"__14 _a2_6\"> </span>68<span class=\"__14 _1155\"> </span>5 651     Livsmedel och drycker<span class=\"__14 _c1_6\"> </span>541<span class=\"__14 _1101\"> </span>364<span class=\"__14 _b5_7\"> </span>453<span class=\"__14 _1151\"> </span>480<span class=\"__14 _1092\"> </span>19<span class=\"__14 _1155\"> </span>1 857     Hush\u00e5lls- och hygienproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1116\"> </span>168<span class=\"__14 _a3_6\"> </span>87<span class=\"__14 _4b_6\"> </span>126<span class=\"__14 _b5_7\"> </span>356<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _b5_7\"> </span>739     H\u00e4lsov\u00e5rd<span class=\"__14 _c2_7\"> </span>1 591<span class=\"__14 _1101\"> </span>430<span class=\"__14 _c3_6\"> </span>230<span class=\"__14 _4b_6\"> </span><span class=\"ls14_11 ws3a_5\">757<span class=\"__14 _1092\"> </span></span>47<span class=\"__14 _b7_7\"> </span>3 055<span class=\"__14 _1ce\"> </span>Konsument s\u00e4llank<span class=\"__14 _b_13\"/>\u00f6p och tj\u00e4nster<span class=\"__14 _c4_6\"> </span><span class=\"ls16_11 ws3c_5\">2 24<span class=\"__14 _1072\"/>8<span class=\"__14 _b7_7\"> </span></span>2 445<span class=\"__14 _9b_6\"> </span>2 7<span class=\"__14 _b_13\"/>45<span class=\"__14 _b7_7\"> </span>5 296<span class=\"__14 _1093\"> </span>82<span class=\"__14 _1148\"> </span>12 816     Konsumentk<span class=\"__14 _1058\"/>apitalvar<span class=\"__14 _b_13\"/>or<span class=\"__14 _c5_7\"> </span>186<span class=\"__14 _b5_7\"> </span><span class=\"ls14_11 ws3a_5\">376<span class=\"__14 _b5_7\"> </span></span>203<span class=\"__14 _1156\"> </span>1 807<span class=\"__14 _1092\"> </span>81<span class=\"__14 _aa_6\"> </span>2 653     Media och underh\u00e5llning<span class=\"__14 _c6_6\"> </span>609<span class=\"__14 _b5_7\"> </span>333<span class=\"__14 _b5_7\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>8<span class=\"__14 _aa_6\"> </span></span>1 084<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1109\"> </span><span class=\"ls1f_7 ws45_4\">2<span class=\"__14 _1066\"/> 1<span class=\"__14 _1072\"/>74</span>     Detaljhandel<span class=\"__14 _c7_6\"> </span>720<span class=\"__14 _1156\"> </span>1 204<span class=\"__14 _1152\"> </span>1 199<span class=\"__14 _1156\"> </span>1 663<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b0_6\"> </span>4 786     Flygre<span class=\"__14 _1058\"/>sor<span class=\"__14 _c8_7\"> </span><span class=\"ls20_7 ws46_4\">73<span class=\"__14 _1093\"> </span></span>35<span class=\"__14 _a3_6\"> </span>59<span class=\"__14 _1092\"> </span>19<span class=\"__14 _1087\"> </span>0<span class=\"__14 _be_7\"> </span>186     Logi och fritid<span class=\"__14 _c9_7\"> </span>582<span class=\"__14 _1151\"> </span>448<span class=\"__14 _b5_7\"> </span>703<span class=\"__14 _c3_6\"> </span><span class=\"ls1e_7 ws44_4\">425<span class=\"__14 _1087\"> </span></span>0<span class=\"__14 _1155\"> </span>2 158     <span class=\"__14 _1058\"/>T<span class=\"__14 _1c_10\"/>elekomtj\u00e4nster<span class=\"__14 _ca_6\"> </span>78<span class=\"__14 _a2_6\"> </span>49<span class=\"__14 _c3_6\"> </span>4<span class=\"__14 _1072\"/>33<span class=\"__14 _1101\"> </span>298<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1101\"> </span>859<span class=\"__14 _1ce\"> </span>Industri<span class=\"__14 _cb_6\"> </span>8 225<span class=\"__14 _b7_7\"> </span>7 058<span class=\"__14 _b7_7\"> </span>9 539<span class=\"__14 _1148\"> </span>11 007<span class=\"__14 _1101\"> </span>2<span class=\"__14 _1072\"/>58<span class=\"__14 _1104\"> </span>36 087     R\u00e5v<span class=\"__14 _1058\"/>aror<span class=\"__14 _cc_7\"> </span>506<span class=\"__14 _b5_7\"> </span><span class=\"ls14_11 ws3a_5\">57<span class=\"__14 _1072\"/>3<span class=\"__14 _4b_6\"> </span></span>301<span class=\"__14 _1152\"> </span>1 222<span class=\"__14 _1093\"> </span>26<span class=\"__14 _b7_7\"> </span>2 628     Kapitalv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _cd_6\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _1072\"/>4<span class=\"__14 _1109\"> </span></span>1 616<span class=\"__14 _1101\"> </span>200<span class=\"__14 _1156\"> </span>1 286<span class=\"__14 _1092\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _b7_7\"> </span></span>3 918     Producenttj\u00e4ns<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1078\"> </span>1 861<span class=\"__14 _c3_6\"> </span>901<span class=\"__14 _1156\"> </span>2 379<span class=\"__14 _b7_7\"> </span>2 062<span class=\"__14 _8e_6\"> </span>118<span class=\"__14 _1152\"> </span>7 321     Byggindustri<span class=\"__14 _c9_7\"> </span><span class=\"ls14_11 ws3a_5\">1 177<span class=\"__14 _1109\"> </span></span>1 451<span class=\"__14 _1156\"> </span>4 377<span class=\"__14 _1156\"> </span>2 473<span class=\"__14 _1086\"> </span>3<span class=\"__14 _b7_7\"> </span>9 481     Partihandel<span class=\"__14 _ce_7\"> </span>2 921<span class=\"__14 _9b_6\"> </span>1 166<span class=\"__14 _1152\"> </span>1 031<span class=\"__14 _1156\"> </span>2 52<span class=\"__14 _1072\"/>5<span class=\"__14 _1092\"> </span>31<span class=\"__14 _1155\"> </span>7 674     Marktransport<span class=\"__14 _cf_6\"> </span>655<span class=\"__14 _1101\"> </span>863<span class=\"__14 _1101\"> </span>695<span class=\"__14 _b5_7\"> </span>675<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _b7_7\"> </span>2 892     IT<span class=\"__14 _b_13\"/>-tj\u00e4nster<span class=\"__14 _d0_6\"> </span>361<span class=\"__14 _1151\"> </span>488<span class=\"__14 _c3_6\"> </span>556<span class=\"__14 _c3_6\"> </span><span class=\"ls14_11 ws3a_5\">76<span class=\"__14 _1072\"/>4<span class=\"__14 _b8_6\"> </span></span>4<span class=\"__14 _1152\"> </span><span class=\"ls14_11 ws3a_5\">2 17<span class=\"__14 _1072\"/>3<span class=\"__14 _1ce\"> </span></span>Sj\u00f6fart<span class=\"__14 _d1_6\"> </span><span class=\"ls14_11 ws3a_5\">314<span class=\"__14 _1153\"> </span>151<span class=\"__14 _b7_7\"> </span></span>5 076<span class=\"__14 _a3_6\"> </span>96<span class=\"__14 _c3_6\"> </span>363<span class=\"__14 _1106\"> </span>6 000     V<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>vsindustri<span class=\"__14 _d2_6\"> </span>0<span class=\"__14 _1092\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _6c_6\"> </span></span>111<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1079\"> </span>125     Sj\u00f6transport<span class=\"__14 _d3_6\"> </span>181<span class=\"__14 _a3_6\"> </span>39<span class=\"__14 _b0_6\"> </span>4 820<span class=\"__14 _a2_6\"> </span>88<span class=\"__14 _c3_6\"> </span>363<span class=\"__14 _1156\"> </span>5 491     Sj\u00f6fartstj\u00e4ns<span class=\"__14 _1058\"/>ter<span class=\"__14 _d4_7\"> </span>133<span class=\"__14 _a2_6\"> </span>98<span class=\"__14 _4b_6\"> </span><span class=\"ls14_11 ws3a_5\">145<span class=\"__14 _b8_6\"> </span></span>8<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1101\"> </span>384<span class=\"__14 _1ce\"> </span>Samh\u00e4llsnyttiga tj\u00e4nster<span class=\"__14 _d5_6\"> </span>1 583<span class=\"__14 _1155\"> </span>3 519<span class=\"__14 _b7_7\"> </span>1 860<span class=\"__14 _1109\"> </span>1 316<span class=\"__14 _1087\"> </span>0<span class=\"__14 _aa_6\"> </span>8 278     El, vatten och gas<span class=\"__14 _d6_6\"> </span>1 166<span class=\"__14 _9b_6\"> </span>1 525<span class=\"__14 _1101\"> </span>985<span class=\"__14 _8e_6\"> </span>771<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b7_7\"> </span>4 447     Kraftproduk<span class=\"__14 _b_13\"/>tion<span class=\"__14 _ca_6\"> </span>62<span class=\"__14 _aa_6\"> </span>1 840<span class=\"__14 _1151\"> </span>680<span class=\"__14 _4b_6\"> </span>415<span class=\"__14 _1087\"> </span>0<span class=\"__14 _aa_6\"> </span>2 997     Allm\u00e4nnyttiga f<span class=\"__14 _b_13\"/>\u00f6retag<span class=\"__14 _d7_6\"> </span>355<span class=\"__14 _be_7\"> </span>154<span class=\"__14 _4b_6\"> </span>195<span class=\"__14 _be_7\"> </span>130<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1101\"> </span>834<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _b_13\"/>astighetsbolag<span class=\"__14 _d8_7\"> </span>8 736<span class=\"__14 _1106\"> </span>8 006<span class=\"__14 _1155\"> </span>9 921<span class=\"__14 _1147\"> </span>17 853<span class=\"__14 _1153\"> </span>115<span class=\"__14 _1129\"> </span>44 631     Kommersiella fas<span class=\"__14 _b_13\"/>tigheter<span class=\"__14 _d9_6\"> </span>4 215<span class=\"__14 _da_6\"> </span>4 498<span class=\"__14 _da_6\"> </span>8 388<span class=\"__14 _b7_7\"> </span>8 032<span class=\"__14 _8e_6\"> </span>115<span class=\"__14 _1129\"> </span><span class=\"ls16_11 ws3c_5\">2<span class=\"__14 _1072\"/>5 24<span class=\"__14 _1072\"/>8</span>     Bostadsfas<span class=\"__14 _b_13\"/>tigheter<span class=\"__14 _db_6\"> </span>4 521<span class=\"__14 _b0_6\"> </span>3 508<span class=\"__14 _9b_6\"> </span>1 533<span class=\"__14 _1156\"> </span>9 821<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1136\"> </span>19 383<span class=\"__14 _1ce\"> </span>\u00d6vriga branscher<span class=\"__14 _ca_6\"> </span>489<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _8e_6\"> </span><span class=\"ls14_11 ws3a_5\">114<span class=\"__14 _2a_8\"> </span>51<span class=\"__14 _bf_7\"> </span></span>1<span class=\"__14 _c3_6\"> </span>655<span class=\"__14 _1ce\"> </span>Summa f\u00f6retagsk<span class=\"__14 _b_13\"/>under<span class=\"__14 _dc_6\"> </span>31 967<span class=\"__14 _1104\"> </span>25 366<span class=\"__14 _1104\"> </span>35 398<span class=\"__14 _1130\"> </span>46 320<span class=\"__14 _b7_7\"> </span>1 690<span class=\"__14 _a6_7\"> </span>140 7<span class=\"__14 _b_13\"/>41   Bol\u00e5n<span class=\"__14 _dd_7\"> </span>34 557<span class=\"__14 _1148\"> </span>34 113<span class=\"__14 _1147\"> </span>35 757<span class=\"__14 _1129\"> </span>51 069<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1120\"> </span>155 496   L\u00e5n mot s\u00e4kerhet<span class=\"__14 _de_6\"> </span>9 288<span class=\"__14 _b0_6\"> </span>6 208<span class=\"__14 _1155\"> </span>2 357<span class=\"__14 _9b_6\"> </span>2 241<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1130\"> </span>20 094   L\u00e5n utan s\u00e4kerhet<span class=\"__14 _df_6\"> </span>1 017<span class=\"__14 _9b_6\"> </span>2 133<span class=\"__14 _c3_6\"> </span>383<span class=\"__14 _1155\"> </span><span class=\"ls14_11 ws3a_5\">2<span class=\"__14 _1072\"/> 143<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _b7_7\"> </span>5 676<span class=\"__14 _1ce\"> </span>Privatkunder<span class=\"__14 _e0_6\"> </span>44 862<span class=\"__14 _a1_6\"> </span>4<span class=\"__14 _1072\"/>2 454<span class=\"__14 _1104\"> </span>38 49<span class=\"__14 _1058\"/>7<span class=\"__14 _1104\"> </span>55 453<span class=\"__14 _1087\"> </span><span class=\"ff2_14\">0<span class=\"__14 _a6_7\"> </span></span>181 266<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Offen</span><span class=\"__14 _1058\"/>tlig sektor<span class=\"__14 _e1_6\"> </span>1 131<span class=\"__14 _e2_6\"> </span>848<span class=\"__14 _1092\"> </span>19<span class=\"__14 _b0_6\"> </span>3 268<span class=\"__14 _1087\"> </span><span class=\"ff2_14\">0<span class=\"__14 _b7_7\"> </span></span>5 266<span class=\"__14 _1ce\"> </span>Omv\u00e4nda repor<span class=\"__14 _e3_6\"> </span><span class=\"ff2_14\">0<span class=\"__14 _1104\"> </span></span>18 470<span class=\"__14 _b8_6\"> </span><span class=\"ff2_14\">0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1104\"> </span></span>18 470<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till allm\u00e4nheten per land<span class=\"__14 _e4_6\"> </span>77 960<span class=\"__14 _1136\"> </span>87 138<span class=\"__14 _1129\"> </span>7<span class=\"__14 _1072\"/>3 914<span class=\"__14 _1120\"> </span>105 041<span class=\"__14 _b7_7\"> </span>1 690<span class=\"__14 _5f_6\"> </span>345 7<span class=\"__14 _b_13\"/>4<span class=\"__14 _1072\"/>3    vara<span class=\"__14 _b_13\"/>v v\u00e4rderad till verkligt v\u00e4r<span class=\"__14 _1058\"/>de<span class=\"__14 _e5_6\"> </span>52 089<span class=\"__14 _1136\"> </span>18 523<span class=\"__14 _1092\"> </span>15<span class=\"__14 _b8_6\"> </span><span class=\"ff2_14\">0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1129\"> </span></span>70 627<span class=\"__14 _1ce\"> </span>1)  L\u00e5n avseende Ryssland (<span class=\"__14 _b_13\"/>4 mn euro) och Baltikum (116 mn euro) som bokf<span class=\"__14 _b_13\"/>\u00f6rts i Sverige har flyttats till \u00d6vrigt.<span class=\"__14 _1ce\"> </span>209<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till allm\u00e4nheten, v\u00e4rder<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ad till upplupet anskaffningsv\u00e4rde och v</span><span class=\"__14 _b_13\"/>erkligt v\u00e4rde<span class=\"__14 _1ce\"> </span>31 dec 2021, mn euro<span class=\"__14 _e6_6\"> </span>Danmark<span class=\"__14 _1130\"> </span>Finland<span class=\"__14 _da_6\"> </span>Norge<span class=\"__14 _6a_6\"> </span><span class=\"__14 _1ce\">Sverige1</span><span class=\"__14 _8d_6\"> </span><span class=\"__14 _1ce\">\u00d6vrigt1</span><span class=\"__14 _1130\"> </span>Summa Finansinstitut<span class=\"__14 _e7_6\"> </span><span class=\"ls1f_7 ws45_4\">2<span class=\"__14 _1072\"/> 74<span class=\"__14 _1066\"/>2<span class=\"__14 _1102\"> </span></span>1 7<span class=\"__14 _b_13\"/>45<span class=\"__14 _1156\"> </span>1 380<span class=\"__14 _b7_7\"> </span>6 769<span class=\"__14 _1155\"> </span>1 190<span class=\"__14 _1147\"> </span>13 826<span class=\"__14 _1ce\"> </span>Jordbruk<span class=\"__14 _cc_7\"> </span>5 422<span class=\"__14 _1101\"> </span>346<span class=\"__14 _1152\"> </span>2 719<span class=\"__14 _1079\"> </span><span class=\"ls14_11 ws3a_5\">176<span class=\"__14 _b8_6\"> </span></span>5<span class=\"__14 _da_6\"> </span>8 668     Gr\u00f6dor<span class=\"__14 _b_13\"/>, odling och jakt<span class=\"__14 _b9_7\"> </span>3 165<span class=\"__14 _b5_7\"> </span>189<span class=\"__14 _be_7\"> </span>106<span class=\"__14 _1153\"> </span><span class=\"ls14_11 ws3a_5\">117<span class=\"__14 _1086\"> </span></span>5<span class=\"__14 _b7_7\"> </span>3 582     Djurh\u00e5llning<span class=\"__14 _e0_6\"> </span>2 2<span class=\"__14 _1072\"/>38<span class=\"__14 _4b_6\"> </span>155<span class=\"__14 _1153\"> </span>121<span class=\"__14 _a3_6\"> </span>58<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1156\"> </span><span class=\"ls14_11 ws3a_5\">2 57<span class=\"__14 _1072\"/>2</span>     Fiske och vatt<span class=\"__14 _1058\"/>enbruk<span class=\"__14 _e8_7\"> </span>19<span class=\"__14 _1086\"> </span>2<span class=\"__14 _b7_7\"> </span>2 492<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1155\"> </span><span class=\"ls14_11 ws3a_5\">2<span class=\"__14 _1072\"/> 514<span class=\"__14 _1ce\"> </span></span>Naturresurser<span class=\"__14 _e9_7\"> </span>221<span class=\"__14 _b7_7\"> </span>1 064<span class=\"__14 _1109\"> </span>1 134<span class=\"__14 _1153\"> </span><span class=\"ls14_11 ws3a_5\">511<span class=\"__14 _4b_6\"> </span></span>210<span class=\"__14 _1156\"> </span>3 140     Pappers- och skogsproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _ea_7\"> </span>181<span class=\"__14 _e2_6\"> </span>888<span class=\"__14 _c3_6\"> </span>4<span class=\"__14 _1072\"/>35<span class=\"__14 _1151\"> </span>460<span class=\"__14 _a3_6\"> </span>94<span class=\"__14 _b7_7\"> </span>2 058     Gruvdrift och kringverksamhet<span class=\"__14 _bd_7\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _4b_6\"> </span></span>158<span class=\"__14 _4b_6\"> </span>136<span class=\"__14 _a2_6\"> </span>49<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1101\"> </span>360<span class=\"__14 _1ce\">     Olje-, gas- och offshore-verksamhet</span><span class=\"__14 _eb_6\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1092\"> </span></span>18<span class=\"__14 _1101\"> </span>563<span class=\"__14 _1086\"> </span>2<span class=\"__14 _8e_6\"> </span>116<span class=\"__14 _b5_7\"> </span>7<span class=\"__14 _1072\"/>22<span class=\"__14 _1ce\"> </span>Konsument dagligv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _ec_6\"> </span>1 533<span class=\"__14 _b7_7\"> </span>1 099<span class=\"__14 _be_7\"> </span>681<span class=\"__14 _1156\"> </span>1 590<span class=\"__14 _a2_6\"> </span>66<span class=\"__14 _da_6\"> </span>4 969     Livsmedel och drycker<span class=\"__14 _ed_6\"> </span>235<span class=\"__14 _4b_6\"> </span>277<span class=\"__14 _b5_7\"> </span>307<span class=\"__14 _1101\"> </span>405<span class=\"__14 _1093\"> </span>20<span class=\"__14 _1156\"> </span>1 244     Hush\u00e5lls- och hygienproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1108\"> </span><span class=\"ls14_11 ws3a_5\">171<span class=\"__14 _a2_6\"> </span></span>60<span class=\"__14 _4b_6\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>2<span class=\"__14 _1101\"> </span></span>486<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _be_7\"> </span>861     H\u00e4lsov\u00e5rd<span class=\"__14 _ee_7\"> </span>1 127<span class=\"__14 _b5_7\"> </span><span class=\"ls14_11 ws3a_5\">76<span class=\"__14 _1072\"/>2<span class=\"__14 _be_7\"> </span></span>232<span class=\"__14 _1101\"> </span>699<span class=\"__14 _a2_6\"> </span>44<span class=\"__14 _b0_6\"> </span>2 864<span class=\"__14 _1ce\"> </span>Konsument s\u00e4llank<span class=\"__14 _b_13\"/>\u00f6p och tj\u00e4nster<span class=\"__14 _ef_6\"> </span>2 220<span class=\"__14 _aa_6\"> </span>2 282<span class=\"__14 _b7_7\"> </span>2 4<span class=\"__14 _1072\"/>20<span class=\"__14 _da_6\"> </span>4 894<span class=\"__14 _1093\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _8d_6\"> </span></span>11 841     Konsumentk<span class=\"__14 _1058\"/>apitalvar<span class=\"__14 _b_13\"/>or<span class=\"__14 _f0_7\"> </span>167<span class=\"__14 _4b_6\"> </span><span class=\"ls14_11 ws3a_5\">314<span class=\"__14 _be_7\"> </span></span>158<span class=\"__14 _1155\"> </span>1 697<span class=\"__14 _2a_8\"> </span>21<span class=\"__14 _9b_6\"> </span>2 357     Media och underh\u00e5llning<span class=\"__14 _f1_6\"> </span>552<span class=\"__14 _1079\"> </span>371<span class=\"__14 _4b_6\"> </span>150<span class=\"__14 _b5_7\"> </span>7<span class=\"__14 _1072\"/>33<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b7_7\"> </span>1 806     Detaljhandel<span class=\"__14 _1112\"> </span><span class=\"ls1b_8 ws41_5\">723<span class=\"__14 _1156\"> </span></span>1 047<span class=\"__14 _aa_6\"> </span>1 04<span class=\"__14 _1072\"/>2<span class=\"__14 _1156\"> </span>1 656<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _b7_7\"> </span>4 472     Flygre<span class=\"__14 _1058\"/>sor<span class=\"__14 _f2_6\"> </span>58<span class=\"__14 _a3_6\"> </span>45<span class=\"__14 _1093\"> </span>87<span class=\"__14 _1092\"> </span>61<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1079\"> </span><span class=\"ls14_11 ws3a_5\">2<span class=\"__14 _1072\"/>51</span>     Logi och fritid<span class=\"__14 _f3_6\"> </span>636<span class=\"__14 _1101\"> </span>47<span class=\"__14 _1072\"/>9<span class=\"__14 _1151\"> </span>604<span class=\"__14 _c3_6\"> </span>503<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1155\"> </span>2 222     <span class=\"__14 _1058\"/>T<span class=\"__14 _1c_10\"/>elekomtj\u00e4nster<span class=\"__14 _d4_7\"> </span>84<span class=\"__14 _a3_6\"> </span>26<span class=\"__14 _b5_7\"> </span>379<span class=\"__14 _b5_7\"> </span><span class=\"ls16_11 ws3c_5\">244<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _b5_7\"> </span>7<span class=\"__14 _1072\"/>33<span class=\"__14 _1ce\"> </span>Industri<span class=\"__14 _f4_6\"> </span>7 279<span class=\"__14 _b7_7\"> </span>7 044<span class=\"__14 _aa_6\"> </span>8 851<span class=\"__14 _aa_6\"> </span>8 661<span class=\"__14 _c3_6\"> </span>365<span class=\"__14 _1129\"> </span>32 200     R\u00e5v<span class=\"__14 _1058\"/>aror<span class=\"__14 _f5_6\"> </span>547<span class=\"__14 _b5_7\"> </span>416<span class=\"__14 _b5_7\"> </span>320<span class=\"__14 _1101\"> </span>549<span class=\"__14 _1093\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _b7_7\"> </span></span>1 904     Kapitalv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _cd_6\"> </span>622<span class=\"__14 _1111\"> </span>1 711<span class=\"__14 _1101\"> </span>206<span class=\"__14 _1156\"> </span>1 029<span class=\"__14 _8e_6\"> </span>113<span class=\"__14 _1156\"> </span>3 681     Producenttj\u00e4ns<span class=\"__14 _b_13\"/>ter<span class=\"__14 _e8_7\"> </span>1 956<span class=\"__14 _1101\"> </span>887<span class=\"__14 _9b_6\"> </span>1 67<span class=\"__14 _1072\"/>7<span class=\"__14 _9b_6\"> </span>1 525<span class=\"__14 _b5_7\"> </span>108<span class=\"__14 _1155\"> </span>6 153     Byggindustri<span class=\"__14 _e1_6\"> </span>1 443<span class=\"__14 _9b_6\"> </span>1 323<span class=\"__14 _b7_7\"> </span>4 339<span class=\"__14 _aa_6\"> </span>2 2<span class=\"__14 _1072\"/>36<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _b7_7\"> </span>9 342     Partihandel<span class=\"__14 _1060\"> </span>1 903<span class=\"__14 _1152\"> </span>1 276<span class=\"__14 _1101\"> </span>887<span class=\"__14 _b7_7\"> </span>2 005<span class=\"__14 _1093\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1106\"> </span></span>6 094     Marktransport<span class=\"__14 _e1_6\"> </span>416<span class=\"__14 _1151\"> </span>989<span class=\"__14 _b5_7\"> </span>7<span class=\"__14 _1072\"/>95<span class=\"__14 _1151\"> </span>694<span class=\"__14 _1093\"> </span>45<span class=\"__14 _b7_7\"> </span>2 939     IT<span class=\"__14 _b_13\"/>-tj\u00e4nster<span class=\"__14 _f6_6\"> </span>392<span class=\"__14 _1101\"> </span>442<span class=\"__14 _be_7\"> </span>627<span class=\"__14 _c3_6\"> </span>62<span class=\"__14 _1072\"/>3<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _b7_7\"> </span>2 087<span class=\"__14 _1ce\"> </span>Sj\u00f6fart<span class=\"__14 _f7_6\"> </span>366<span class=\"__14 _8e_6\"> </span>161<span class=\"__14 _aa_6\"> </span>5 597<span class=\"__14 _1079\"> </span>133<span class=\"__14 _1101\"> </span>443<span class=\"__14 _b0_6\"> </span>6 700     V<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>vsindustri<span class=\"__14 _d2_6\"> </span>0<span class=\"__14 _a3_6\"> </span>28<span class=\"__14 _be_7\"> </span><span class=\"ls16_11 ws3c_5\">224<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b5_7\"> </span><span class=\"ls1a_9 ws40_5\">252</span>     Sj\u00f6transport<span class=\"__14 _cd_6\"> </span>222<span class=\"__14 _a3_6\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _b7_7\"> </span></span>5 035<span class=\"__14 _4b_6\"> </span><span class=\"ls16_11 ws3c_5\">1<span class=\"__14 _1072\"/>24<span class=\"__14 _1101\"> </span></span>443<span class=\"__14 _aa_6\"> </span>5 867     Sj\u00f6fartstj\u00e4ns<span class=\"__14 _1058\"/>ter<span class=\"__14 _d8_7\"> </span><span class=\"ls14_11 ws3a_5\">144<span class=\"__14 _a2_6\"> </span></span>90<span class=\"__14 _c3_6\"> </span>338<span class=\"__14 _b8_6\"> </span>9<span class=\"__14 _1087\"> </span>0<span class=\"__14 _4b_6\"> </span>581<span class=\"__14 _1ce\"> </span>Samh\u00e4llsnyttiga tj\u00e4nster<span class=\"__14 _c5_7\"> </span>1 696<span class=\"__14 _b7_7\"> </span>3 285<span class=\"__14 _b0_6\"> </span>2 090<span class=\"__14 _b7_7\"> </span>2 002<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _aa_6\"> </span>9 07<span class=\"__14 _b_13\"/>4     El, vatten och gas<span class=\"__14 _f8_6\"> </span>1 239<span class=\"__14 _aa_6\"> </span>1 606<span class=\"__14 _b7_7\"> </span>1 084<span class=\"__14 _b5_7\"> </span>720<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _da_6\"> </span>4 649     Kraftproduk<span class=\"__14 _b_13\"/>tion<span class=\"__14 _d4_7\"> </span>66<span class=\"__14 _9b_6\"> </span>1 52<span class=\"__14 _1072\"/>5<span class=\"__14 _1151\"> </span>808<span class=\"__14 _c3_6\"> </span><span class=\"ls18_10 ws3e_5\">97<span class=\"__14 _1072\"/>3<span class=\"__14 _bb_7\"> </span></span>1<span class=\"__14 _1156\"> </span>3 373     Allm\u00e4nnyttiga f<span class=\"__14 _b_13\"/>\u00f6retag<span class=\"__14 _1110\"> </span>391<span class=\"__14 _be_7\"> </span>154<span class=\"__14 _be_7\"> </span>198<span class=\"__14 _1101\"> </span>309<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1155\"> </span>1 052<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _b_13\"/>astighetsbolag<span class=\"__14 _d8_7\"> </span>9 342<span class=\"__14 _1156\"> </span>7 7<span class=\"__14 _1072\"/>29<span class=\"__14 _da_6\"> </span>9 986<span class=\"__14 _1148\"> </span><span class=\"ls14_11 ws3a_5\">17 578<span class=\"__14 _1153\"> </span>151<span class=\"__14 _1104\"> </span></span>44 786     Kommersiella fas<span class=\"__14 _b_13\"/>tigheter<span class=\"__14 _f9_6\"> </span>5 984<span class=\"__14 _b7_7\"> </span>4 334<span class=\"__14 _da_6\"> </span>8 346<span class=\"__14 _1156\"> </span>7 667<span class=\"__14 _8e_6\"> </span><span class=\"ls14_11 ws3a_5\">1<span class=\"__14 _1072\"/>51<span class=\"__14 _1104\"> </span></span>26 482     Bostadsfas<span class=\"__14 _b_13\"/>tigheter<span class=\"__14 _b3_6\"> </span>3 358<span class=\"__14 _aa_6\"> </span>3 395<span class=\"__14 _aa_6\"> </span>1 640<span class=\"__14 _1152\"> </span>9 911<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1129\"> </span>18 304<span class=\"__14 _1ce\"> </span>\u00d6vriga branscher<span class=\"__14 _cf_6\"> </span>236<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1079\"> </span>127<span class=\"__14 _be_7\"> </span>37<span class=\"__14 _1072\"/>3<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _4b_6\"> </span>737<span class=\"__14 _1ce\"> </span>Summa f\u00f6retagsk<span class=\"__14 _b_13\"/>under<span class=\"__14 _fa_6\"> </span>31 057<span class=\"__14 _1129\"> </span>24 755<span class=\"__14 _1130\"> </span>34 985<span class=\"__14 _1130\"> </span>4<span class=\"__14 _1072\"/>2 687<span class=\"__14 _b0_6\"> </span>2 459<span class=\"__14 _a6_7\"> </span>135 941   Bol\u00e5n<span class=\"__14 _dd_7\"> </span>39 332<span class=\"__14 _1148\"> </span>33 317<span class=\"__14 _1129\"> </span>37 249<span class=\"__14 _1136\"> </span>52 418<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a5_7\"> </span>162 316   L\u00e5n mot s\u00e4kerhet<span class=\"__14 _fb_6\"> </span>8 181<span class=\"__14 _9b_6\"> </span>5 513<span class=\"__14 _b7_7\"> </span>2 6<span class=\"__14 _1072\"/>47<span class=\"__14 _1156\"> </span>2 292<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1136\"> </span>18 633   L\u00e5n utan s\u00e4kerhet<span class=\"__14 _de_6\"> </span>1 014<span class=\"__14 _b7_7\"> </span>2 92<span class=\"__14 _1072\"/>3<span class=\"__14 _1151\"> </span>408<span class=\"__14 _b7_7\"> </span>2 434<span class=\"__14 _1087\"> </span>0<span class=\"__14 _aa_6\"> </span>6 7<span class=\"__14 _1072\"/>79<span class=\"__14 _1ce\"> </span>Privatkunder<span class=\"__14 _c9_7\"> </span>48 527<span class=\"__14 _1136\"> </span>41 753<span class=\"__14 _a1_6\"> </span>40 304<span class=\"__14 _1136\"> </span><span class=\"ls14_11 ws3a_5\">57 144<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _1120\"> </span>187 7<span class=\"__14 _1072\"/>28<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Offen</span><span class=\"__14 _1058\"/>tlig sektor<span class=\"__14 _d4_7\"> </span>1 168<span class=\"__14 _1101\"> </span>780<span class=\"__14 _1092\"> </span>19<span class=\"__14 _b0_6\"> </span>2 602<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b0_6\"> </span>4 569<span class=\"__14 _1ce\"> </span>Omv\u00e4nda repor<span class=\"__14 _e3_6\"> </span>0<span class=\"__14 _1147\"> </span>16 812<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1147\"> </span>16 812<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till allm\u00e4nheten per land<span class=\"__14 _e4_6\"> </span>80 752<span class=\"__14 _fc_7\"> </span>84 100<span class=\"__14 _fc_7\"> </span>75 308<span class=\"__14 _1120\"> </span>102 4<span class=\"__14 _1072\"/>33<span class=\"__14 _b0_6\"> </span>2 459<span class=\"__14 _1121\"> </span>345 050    vara<span class=\"__14 _b_13\"/>v v\u00e4rderad till verkligt v\u00e4r<span class=\"__14 _1058\"/>de<span class=\"__14 _ac_6\"> </span>58 347<span class=\"__14 _1147\"> </span>16 812<span class=\"__14 _1092\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1147\"> </span><span class=\"ls14_11 ws3a_5\">7<span class=\"__14 _1072\"/>5 176<span class=\"__14 _1ce\"> </span></span>1)  L\u00e5n avseende Ryssland (94 mn eur<span class=\"__14 _1058\"/>o) och Baltikum (162 mn euro<span class=\"__14 _b_13\"/>) som bokf\u00f6rts i Sverige har flyttats till \u00d6vrigt<span class=\"__14 _1ce\"> </span>.<span class=\"__14 _1ce\"> </span>210<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts. Utl\u00e5ning v\u00e4rder<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ad till upplupet anskaff</span><span class=\"__14 _1058\"/>ningsv\u00e4rde, per br<span class=\"__14 _b_13\"/>ansch<span class=\"__14 _1ce\"> </span>Brutto<span class=\"__14 _fd_6\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>Kreditf\u00f6r-<span class=\"__14 _1ce\"> </span>luster<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">, netto1</span><span class=\"__14 _fe_6\"/>31 dec 2022, mn euro<span class=\"__14 _ff_6\"> </span>Kategori 1<span class=\"__14 _1157\"> </span>Kategori 2<span class=\"__14 _1157\"> </span>Kategori 3<span class=\"__14 _5b_6\"> </span>Kategori 1<span class=\"__14 _1157\"> </span>Kategori 2<span class=\"__14 _1157\"> </span>Kategori 3<span class=\"__14 _5f_6\"> </span>Netto<span class=\"__14 _1ce\"> </span>Finansinstitut<span class=\"__14 _1158\"> </span>14 197<span class=\"__14 _1148\"> </span>322<span class=\"__14 _1156\"> </span>62<span class=\"__14 _e2_6\"> </span>8<span class=\"__14 _1152\"> </span>10<span class=\"__14 _1155\"> </span>29<span class=\"__14 _1119\"> </span>14 534<span class=\"__14 _1148\"> </span>-49<span class=\"__14 _1ce\"> </span>Jordbruk<span class=\"__14 _1159\"> </span>4 343<span class=\"__14 _1148\"> </span>232<span class=\"__14 _8d_6\"> </span>107<span class=\"__14 _1151\"> </span>7<span class=\"__14 _1109\"> </span>15<span class=\"__14 _1155\"> </span>56<span class=\"__14 _1154\"> </span>4 604<span class=\"__14 _a4_6\"> </span>-3     Gr\u00f6dor<span class=\"__14 _b_13\"/>, odling och jakt<span class=\"__14 _1160\"> </span>949<span class=\"__14 _9b_6\"> </span>75<span class=\"__14 _1155\"> </span>20<span class=\"__14 _1151\"> </span>3<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _e2_6\"> </span>8<span class=\"__14 _1118\"> </span>1 029<span class=\"__14 _1151\"> </span>5     Djurh\u00e5llning<span class=\"__14 _1161\"> </span>619<span class=\"__14 _1106\"> </span><span class=\"ls14_11 ws3a_5\">117<span class=\"__14 _1156\"> </span></span>86<span class=\"__14 _1101\"> </span>2<span class=\"__14 _9b_6\"> </span>10<span class=\"__14 _aa_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _1148\"> </span><span class=\"ls14_11 ws3a_5\">762<span class=\"__14 _1102\"> </span></span></span>-6     Fiske och vatt<span class=\"__14 _1058\"/>enbruk<span class=\"__14 _1162\"> </span>2 775<span class=\"__14 _1156\"> </span>40<span class=\"__14 _1101\"> </span>1<span class=\"__14 _1151\"> </span>2<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _5f_6\"> </span>2 813<span class=\"__14 _a4_6\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1ce\"> </span></span>Naturresurser<span class=\"__14 _1163\"> </span>2 765<span class=\"__14 _1148\"> </span>216<span class=\"__14 _1155\"> </span>39<span class=\"__14 _1151\"> </span>2<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _1152\"> </span>18<span class=\"__14 _1121\"> </span>2 996<span class=\"__14 _1156\"> </span>26     Pappers- och skogsproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1164\"> </span>1 87<span class=\"__14 _b_13\"/>4<span class=\"__14 _9c_7\"> </span>161<span class=\"__14 _1152\"> </span>22<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1151\"> </span>3<span class=\"__14 _1152\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1121\"> </span></span>2 039<span class=\"__14 _1151\"> </span>2     Gruvdrift och kringverksamhet<span class=\"__14 _1165\"> </span>382<span class=\"__14 _1156\"> </span>30<span class=\"__14 _1151\"> </span>3<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1101\"> </span>1<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _8d_6\"> </span>413<span class=\"__14 _1111\"> </span><span class=\"ls14_11 ws3a_5\">-1</span><span class=\"__14 _1ce\">     Olje-, gas- och offshore-verksamhet</span><span class=\"__14 _1093\"> </span>509<span class=\"__14 _9b_6\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1109\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _c3_6\"> </span></span></span>1<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1151\"> </span>3<span class=\"__14 _1136\"> </span>544<span class=\"__14 _9b_6\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1ce\"> </span></span>Konsument dagligv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _e5_6\"> </span>4 882<span class=\"__14 _1148\"> </span>201<span class=\"__14 _9b_6\"> </span>87<span class=\"__14 _1132\"> </span>8<span class=\"__14 _e2_6\"> </span>8<span class=\"__14 _9b_6\"> </span>35<span class=\"__14 _7b_6\"> </span>5 119<span class=\"__14 _9c_7\"> </span><span class=\"ls16_11 ws3c_5\">-26</span>     Livsmedel och drycker<span class=\"__14 _1166\"> </span>1 685<span class=\"__14 _9c_7\"> </span><span class=\"ls14_11 ws3a_5\">114<span class=\"__14 _9b_6\"> </span><span class=\"ls1a_9 ws40_5\">52<span class=\"__14 _1101\"> </span></span></span>2<span class=\"__14 _e2_6\"> </span>3<span class=\"__14 _1102\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _5f_6\"> </span></span>1 829<span class=\"__14 _da_6\"> </span><span class=\"ls14_11 ws3a_5\">-13</span>     Hush\u00e5lls- och hygienproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1165\"> </span>592<span class=\"__14 _1155\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1152\"> </span></span>10<span class=\"__14 _1151\"> </span>2<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1151\"> </span>5<span class=\"__14 _1148\"> </span>619<span class=\"__14 _9a_6\"> </span><span class=\"ls14_11 ws3a_5\">-1</span>     H\u00e4lsov\u00e5rd<span class=\"__14 _1107\"> </span>2 605<span class=\"__14 _1155\"> </span>62<span class=\"__14 _9b_6\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1132\"> </span></span>4<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _1102\"> </span>13<span class=\"__14 _1120\"> </span>2 671<span class=\"__14 _da_6\"> </span><span class=\"ls14_11 ws3a_5\">-12<span class=\"__14 _1ce\"> </span></span>Konsument s\u00e4llank<span class=\"__14 _b_13\"/>\u00f6p och tj\u00e4nster<span class=\"__14 _1142\"> </span>10 589<span class=\"__14 _1148\"> </span>913<span class=\"__14 _1147\"> </span>287<span class=\"__14 _1152\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1156\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _8d_6\"> </span></span></span>187<span class=\"__14 _1119\"> </span>11 540<span class=\"__14 _da_6\"> </span>-31     Konsumentk<span class=\"__14 _1058\"/>apitalvar<span class=\"__14 _b_13\"/>or<span class=\"__14 _10a_6\"> </span>2 382<span class=\"__14 _1148\"> </span>192<span class=\"__14 _1156\"> </span>44<span class=\"__14 _1101\"> </span>2<span class=\"__14 _1132\"> </span>6<span class=\"__14 _9b_6\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1121\"> </span></span>2 586<span class=\"__14 _da_6\"> </span><span class=\"ls14_11 ws3a_5\">-12</span>     Media och underh\u00e5llning<span class=\"__14 _10b_6\"> </span>1 763<span class=\"__14 _8d_6\"> </span>135<span class=\"__14 _1156\"> </span>20<span class=\"__14 _1151\"> </span>2<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _1111\"> </span>11<span class=\"__14 _1121\"> </span>1 899<span class=\"__14 _a4_6\"> </span><span class=\"ls16_11 ws3c_5\">-2</span>     Detaljhandel<span class=\"__14 _10c_6\"> </span>4 156<span class=\"__14 _1148\"> </span>272<span class=\"__14 _1148\"> </span>180<span class=\"__14 _1132\"> </span>8<span class=\"__14 _1155\"> </span>20<span class=\"__14 _8d_6\"> </span>118<span class=\"__14 _1121\"> </span>4 462<span class=\"__14 _1106\"> </span><span class=\"ls14_11 ws3a_5\">-18</span>     Flygre<span class=\"__14 _1058\"/>sor<span class=\"__14 _d7_6\"> </span>96<span class=\"__14 _9b_6\"> </span>35<span class=\"__14 _1102\"> </span>12<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1101\"> </span>2<span class=\"__14 _1132\"> </span>8<span class=\"__14 _8d_6\"> </span>133<span class=\"__14 _1109\"> </span>-6     Logi och fritid<span class=\"__14 _3c_8\"> </span>1 4<span class=\"__14 _1072\"/>21<span class=\"__14 _1147\"> </span>263<span class=\"__14 _1155\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1101\"> </span></span>2<span class=\"__14 _9b_6\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _9b_6\"> </span></span>20<span class=\"__14 _5f_6\"> </span>1 673<span class=\"__14 _e2_6\"> </span>4     <span class=\"__14 _1058\"/>T<span class=\"__14 _1c_10\"/>elekomtj\u00e4nster<span class=\"__14 _bd_7\"> </span>771<span class=\"__14 _1109\"> </span>16<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _1132\"> </span>0<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1132\"> </span>6<span class=\"__14 _1148\"> </span>787<span class=\"__14 _1151\"> </span>3<span class=\"__14 _1ce\"> </span>Industri<span class=\"__14 _10d_6\"> </span>31 090<span class=\"__14 _8c_6\"> </span>2 900<span class=\"__14 _1136\"> </span>54<span class=\"__14 _1072\"/>2<span class=\"__14 _9b_6\"> </span>53<span class=\"__14 _1147\"> </span>100<span class=\"__14 _1147\"> </span>293<span class=\"__14 _8b_6\"> </span>34 086<span class=\"__14 _1106\"> </span>-52     R\u00e5v<span class=\"__14 _1058\"/>aror<span class=\"__14 _c5_7\"> </span>2 406<span class=\"__14 _1147\"> </span>166<span class=\"__14 _1155\"> </span>39<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _1109\"> </span>13<span class=\"__14 _1121\"> </span>2 590<span class=\"__14 _1151\"> </span>7     Kapitalv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _10e_6\"> </span>3 370<span class=\"__14 _1136\"> </span>436<span class=\"__14 _1102\"> </span>71<span class=\"__14 _1151\"> </span>5<span class=\"__14 _a4_6\"> </span>11<span class=\"__14 _1155\"> </span>39<span class=\"__14 _1118\"> </span>3 822<span class=\"__14 _a4_6\"> </span>11     Producenttj\u00e4ns<span class=\"__14 _b_13\"/>ter<span class=\"__14 _10f_6\"> </span>5 950<span class=\"__14 _1136\"> </span>434<span class=\"__14 _1156\"> </span>44<span class=\"__14 _9b_6\"> </span>10<span class=\"__14 _1102\"> </span>15<span class=\"__14 _1155\"> </span>20<span class=\"__14 _8c_6\"> </span>6 383<span class=\"__14 _1101\"> </span>2     Byggindustri<span class=\"__14 _10c_6\"> </span><span class=\"ls14_11 ws3a_5\">8 142<span class=\"__14 _1147\"> </span></span>825<span class=\"__14 _1148\"> </span>164<span class=\"__14 _1109\"> </span>15<span class=\"__14 _1155\"> </span>34<span class=\"__14 _1147\"> </span>106<span class=\"__14 _1121\"> </span><span class=\"ls14_11 ws3a_5\">8 976<span class=\"__14 _1106\"> </span></span>-37     Partihandel<span class=\"__14 _f9_6\"> </span>6 801<span class=\"__14 _1136\"> </span>696<span class=\"__14 _aa_6\"> </span><span class=\"ls21_7 ws47_3\">64<span class=\"__14 _1132\"> </span></span>8<span class=\"__14 _9b_6\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1156\"> </span></span>40<span class=\"__14 _8c_6\"> </span>7 4<span class=\"__14 _1072\"/>89<span class=\"__14 _1102\"> </span>-9     Marktransport<span class=\"__14 _2d_8\"> </span>2 535<span class=\"__14 _1147\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1072\"/>3<span class=\"__14 _1156\"> </span></span>94<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _9b_6\"> </span>55<span class=\"__14 _8c_6\"> </span>2 805<span class=\"__14 _b0_6\"> </span><span class=\"ls14_11 ws3a_5\">-17</span>     IT<span class=\"__14 _b_13\"/>-tj\u00e4nster<span class=\"__14 _1107\"> </span>1 886<span class=\"__14 _1147\"> </span>100<span class=\"__14 _1156\"> </span>66<span class=\"__14 _e2_6\"> </span>5<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _1155\"> </span>20<span class=\"__14 _5f_6\"> </span>2 021<span class=\"__14 _1102\"> </span>-9<span class=\"__14 _1ce\"> </span>Sj\u00f6fart<span class=\"__14 _1167\"> </span>5 521<span class=\"__14 _1136\"> </span>360<span class=\"__14 _1156\"> </span>66<span class=\"__14 _1152\"> </span>19<span class=\"__14 _e2_6\"> </span>5<span class=\"__14 _1102\"> </span>31<span class=\"__14 _1121\"> </span>5 892<span class=\"__14 _1155\"> </span><span class=\"ls1b_8 ws41_5\">23</span>     V<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>vsindustri<span class=\"__14 _1163\"> </span>119<span class=\"__14 _1132\"> </span>6<span class=\"__14 _1151\"> </span>3<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1151\"> </span>3<span class=\"__14 _8d_6\"> </span><span class=\"ls16_11 ws3c_5\">1<span class=\"__14 _1072\"/>24<span class=\"__14 _c3_6\"> </span></span>1     Sj\u00f6transport<span class=\"__14 _1168\"> </span>5 116<span class=\"__14 _1147\"> </span>353<span class=\"__14 _1155\"> </span>63<span class=\"__14 _1102\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1151\"> </span></span>5<span class=\"__14 _1155\"> </span>28<span class=\"__14 _1121\"> </span>5 482<span class=\"__14 _9b_6\"> </span>22     Sj\u00f6fartstj\u00e4ns<span class=\"__14 _1058\"/>ter<span class=\"__14 _1169\"> </span>286<span class=\"__14 _1101\"> </span>1<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1132\"> </span>0<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1136\"> </span>286<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1ce\"> </span>Samh\u00e4llsnyttiga tj\u00e4nster<span class=\"__14 _ad_6\"> </span>6 896<span class=\"__14 _1106\"> </span><span class=\"ls14_11 ws3a_5\">117<span class=\"__14 _1109\"> </span></span>16<span class=\"__14 _1151\"> </span>5<span class=\"__14 _1132\"> </span>4<span class=\"__14 _1101\"> </span>7<span class=\"__14 _5f_6\"> </span>7 013<span class=\"__14 _1132\"> </span>8     El, vatten och gas<span class=\"__14 _1170\"> </span>3 413<span class=\"__14 _1155\"> </span>78<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _1151\"> </span>2<span class=\"__14 _1101\"> </span>2<span class=\"__14 _e2_6\"> </span>3<span class=\"__14 _8c_6\"> </span>3 490<span class=\"__14 _1132\"> </span>8     Kraftproduk<span class=\"__14 _b_13\"/>tion<span class=\"__14 _1171\"> </span>2 962<span class=\"__14 _a4_6\"> </span>11<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1151\"> </span>2<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1120\"> </span>2 971<span class=\"__14 _a4_6\"> </span><span class=\"ls16_11 ws3c_5\">-2</span>     Allm\u00e4nnyttiga f<span class=\"__14 _b_13\"/>\u00f6retag<span class=\"__14 _e4_6\"> </span>521<span class=\"__14 _1156\"> </span>28<span class=\"__14 _e2_6\"> </span>9<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1101\"> </span>2<span class=\"__14 _e2_6\"> </span>3<span class=\"__14 _1147\"> </span>55<span class=\"__14 _1072\"/>2<span class=\"__14 _1151\"> </span>2<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _b_13\"/>astighetsbolag<span class=\"__14 _2d_8\"> </span>36 325<span class=\"__14 _8d_6\"> </span><span class=\"ls1f_7 ws45_4\">745<span class=\"__14 _9c_7\"> </span><span class=\"ls14_11 ws3a_5\">145<span class=\"__14 _9b_6\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1152\"> </span></span></span></span>18<span class=\"__14 _1156\"> </span>85<span class=\"__14 _5a_6\"> </span>37 089<span class=\"__14 _9b_6\"> </span>32<span class=\"__14 _1ce\"> </span>\u00d6vriga branscher<span class=\"__14 _10c_6\"> </span>169<span class=\"__14 _1106\"> </span><span class=\"ls14_11 ws3a_5\">1<span class=\"__14 _1072\"/>17<span class=\"__14 _1101\"> </span></span>7<span class=\"__14 _1132\"> </span>4<span class=\"__14 _1155\"> </span>20<span class=\"__14 _1151\"> </span>2<span class=\"__14 _1148\"> </span>267<span class=\"__14 _1102\"> </span>-3<span class=\"__14 _1ce\"> </span>Summa f\u00f6retagsk<span class=\"__14 _b_13\"/>under<span class=\"__14 _1172\"> </span>116 777<span class=\"__14 _1118\"> </span>6 12<span class=\"__14 _1072\"/>3<span class=\"__14 _1118\"> </span>1 358<span class=\"__14 _1147\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>3<span class=\"__14 _1147\"> </span></span>2<span class=\"__14 _1072\"/>32<span class=\"__14 _1147\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _1066\"/>3<span class=\"__14 _1135\"> </span></span>12<span class=\"__14 _1072\"/>3 140<span class=\"__14 _9c_7\"> </span><span class=\"ls22_6 ws48_3\">-7<span class=\"__14 _1072\"/>5</span>   Bol\u00e5n<span class=\"__14 _c1_6\"> </span>116 404<span class=\"__14 _8c_6\"> </span><span class=\"ls16_11 ws3c_5\">4 24<span class=\"__14 _1072\"/>8<span class=\"__14 _1147\"> </span></span>435<span class=\"__14 _1109\"> </span>15<span class=\"__14 _1155\"> </span>45<span class=\"__14 _1156\"> </span>86<span class=\"__14 _1135\"> </span>120 941<span class=\"__14 _8d_6\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1072\"/>9</span>   L\u00e5n mot s\u00e4kerhet<span class=\"__14 _1173\"> </span>18 488<span class=\"__14 _5f_6\"> </span>1 543<span class=\"__14 _1136\"> </span>264<span class=\"__14 _1155\"> </span>38<span class=\"__14 _1156\"> </span>50<span class=\"__14 _1106\"> </span>115<span class=\"__14 _3f_8\"> </span>20 092<span class=\"__14 _1156\"> </span>46   L\u00e5n utan s\u00e4kerhet<span class=\"__14 _1174\"> </span>4 910<span class=\"__14 _1147\"> </span>795<span class=\"__14 _1148\"> </span><span class=\"ls14_11 ws3a_5\">146<span class=\"__14 _1152\"> </span></span>19<span class=\"__14 _1152\"> </span>81<span class=\"__14 _1152\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _1120\"> </span></span>5 677<span class=\"__14 _9c_7\"> </span>-62<span class=\"__14 _1ce\"> </span>Privatkunder<span class=\"__14 _1175\"> </span>139 802<span class=\"__14 _1154\"> </span>6 586<span class=\"__14 _1129\"> </span>845<span class=\"__14 _9b_6\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _1148\"> </span><span class=\"ls14_11 ws3a_5\">176<span class=\"__14 _1148\"> </span></span></span>275<span class=\"__14 _1127\"> </span>146 710<span class=\"__14 _1148\"> </span>-<span class=\"__14 _1072\"/>45<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Offen</span><span class=\"__14 _1058\"/>tlig sektor<span class=\"__14 _1ce\"> </span>5 161<span class=\"__14 _aa_6\"> </span>69<span class=\"__14 _1155\"> </span>39<span class=\"__14 _1101\"> </span>1<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1151\"> </span>2<span class=\"__14 _1121\"> </span>5 266<span class=\"__14 _1132\"> </span>8<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till allm\u00e4nheten <span class=\"__14 _1085\"> </span>261 7<span class=\"__14 _b_13\"/>40<span class=\"__14 _1098\"> </span>12 778<span class=\"__14 _1118\"> </span><span class=\"ls16_11 ws3c_5\">2 242<span class=\"__14 _8d_6\"> </span></span>216<span class=\"__14 _fc_7\"> </span>408<span class=\"__14 _1118\"> </span>1 020<span class=\"__14 _1135\"> </span>275 116<span class=\"__14 _1104\"> </span>-112<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till kreditinstitut och centralbank<span class=\"__14 _b_13\"/>er<span class=\"__14 _f9_6\"> </span>2 845<span class=\"__14 _1132\"> </span>8<span class=\"__14 _1152\"> </span>13<span class=\"__14 _1132\"> </span>4<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1155\"> </span><span class=\"ls21_7 ws47_3\">25<span class=\"__14 _1118\"> </span></span>2 837<span class=\"__14 _7e_6\"> </span>0<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _d5_6\"> </span>26<span class=\"__14 _1072\"/>4 585<span class=\"__14 _3b_8\"> </span>12 786<span class=\"__14 _1118\"> </span>2 255<span class=\"__14 _1136\"> </span>220<span class=\"__14 _1104\"> </span>408<span class=\"__14 _1121\"> </span>1 045<span class=\"__14 _1127\"> </span>277 953<span class=\"__14 _fc_7\"> </span>-112<span class=\"__14 _1ce\"> </span>1) T<span class=\"__14 _1c_10\"/>abellen visar kreditf\u00f6rluster p\u00e5 e<span class=\"__14 _b_13\"/>xponeringar i och utanf\u00f6r balansr\u00e4kningen f\u00f6r hel\u00e5r<span class=\"__14 _1058\"/>et 2022<span class=\"__14 _1ce\"> </span>.<span class=\"__14 _1ce\"> </span><div class=\"t_14 m0_14 h1_14 ff1_14 fs0_14 fc0_14 sc0_14 ls0_14 ws0_14\" style=\"left:656.0268px; bottom:2.1012287px;\">211<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc0_14 sc0_14 ls0_14 ws1_14\" style=\"left:497.5244px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h3_13 ff2_14 fs1_13 fc0_14 sc0_14 ls1_14 ws2_13\" style=\"left:4.2144775px; bottom:1029.1447px;\">Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span></div><div class=\"t_14 m0_14 ha_13 ff3_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:986.27924px;\">K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h5_13 ff1_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:951.6515px;\">Utl\u00e5ning v\u00e4rder<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ad till upplupet anskaff</span><span class=\"__14 _1058\"/>ningsv\u00e4rde, per br<span class=\"__14 _b_13\"/>ansch<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:252.71988px; bottom:935.1175px;\">Brutto<span class=\"__14 _fd_6\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:584.6581px; bottom:929.30646px;\">Kreditf\u00f6r-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:574.79114px; bottom:918.94806px;\">luster<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">, netto1</span><span class=\"__14 _fe_6\"/>31 dec 2021, mn euro<span class=\"__14 _1176\"> </span>Kategori 1<span class=\"__14 _1157\"> </span>Kategori 2<span class=\"__14 _1157\"> </span>Kategori 3<span class=\"__14 _5b_6\"> </span>Kategori 1<span class=\"__14 _1157\"> </span>Kategori 2<span class=\"__14 _1157\"> </span>Kategori 3<span class=\"__14 _5f_6\"> </span>Netto<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:901.80615px;\">Finansinstitut<span class=\"__14 _f9_6\"> </span>12 972<span class=\"__14 _1148\"> </span>186<span class=\"__14 _1156\"> </span>59<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _e2_6\"> </span>8<span class=\"__14 _1155\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _8f_6\"> </span></span>13 179<span class=\"__14 _1155\"> </span>29<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:884.66174px;\">Jordbruk<span class=\"__14 _4f_6\"> </span>4 124<span class=\"__14 _1136\"> </span>204<span class=\"__14 _1148\"> </span>136<span class=\"__14 _1151\"> </span>5<span class=\"__14 _1102\"> </span>12<span class=\"__14 _1155\"> </span>82<span class=\"__14 _1121\"> </span>4 365<span class=\"__14 _9b_6\"> </span>16</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:868.0269px;\">     Gr\u00f6dor<span class=\"__14 _b_13\"/>, odling och jakt<span class=\"__14 _e5_6\"> </span><span class=\"ls18_10 ws3e_5\">970<span class=\"__14 _9b_6\"> </span><span class=\"ls1d_8 ws43_5\">79<span class=\"__14 _1155\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1151\"> </span></span></span></span>2<span class=\"__14 _1151\"> </span>5<span class=\"__14 _1102\"> </span>15<span class=\"__14 _5f_6\"> </span>1 052<span class=\"__14 _1151\"> </span>2</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:851.6196px;\">     Djurh\u00e5llning<span class=\"__14 _11a_7\"> </span>670<span class=\"__14 _8d_6\"> </span>101<span class=\"__14 _1148\"> </span>109<span class=\"__14 _1101\"> </span>1<span class=\"__14 _1101\"> </span>7<span class=\"__14 _aa_6\"> </span>66<span class=\"__14 _1129\"> </span>806<span class=\"__14 _e2_6\"> </span>8</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:835.21234px;\">     Fiske och vatt<span class=\"__14 _1058\"/>enbruk<span class=\"__14 _1160\"> </span>2 484<span class=\"__14 _1155\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1101\"> </span></span>2<span class=\"__14 _1151\"> </span>2<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1101\"> </span>1<span class=\"__14 _1118\"> </span>2 507<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:818.80505px;\">Naturresurser<span class=\"__14 _d9_6\"> </span>2 606<span class=\"__14 _1147\"> </span>184<span class=\"__14 _1148\"> </span><span class=\"ls14_11 ws3a_5\">575<span class=\"__14 _1151\"> </span></span>4<span class=\"__14 _1132\"> </span>4<span class=\"__14 _1147\"> </span>345<span class=\"__14 _5f_6\"> </span>3 012<span class=\"__14 _da_6\"> </span><span class=\"ls14_11 ws3a_5\">-15</span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:802.39777px;\">     Pappers- och skogsproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1165\"> </span><span class=\"ls1b_8 ws41_5\">1 777<span class=\"__14 _8d_6\"> </span></span>155<span class=\"__14 _1155\"> </span>32<span class=\"__14 _1101\"> </span>2<span class=\"__14 _1132\"> </span>4<span class=\"__14 _1152\"> </span>16<span class=\"__14 _1118\"> </span>1 94<span class=\"__14 _1072\"/>2<span class=\"__14 _1132\"> </span>8</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:785.9904px;\">     Gruvdrift och kringverksamhet<span class=\"__14 _1165\"> </span>329<span class=\"__14 _1155\"> </span>26<span class=\"__14 _1151\"> </span>3<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1132\"> </span>0<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1147\"> </span>356<span class=\"__14 _1151\"> </span>2</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:769.5831px;\"><span class=\"__14 _1ce\">     Olje-, gas- och offshore-verksamhet</span><span class=\"__14 _1093\"> </span>500<span class=\"__14 _1151\"> </span>3<span class=\"__14 _1136\"> </span>540<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1147\"> </span>328<span class=\"__14 _8d_6\"> </span><span class=\"ls14_11 ws3a_5\">714<span class=\"__14 _1106\"> </span><span class=\"ls16_11 ws3c_5\">-25<span class=\"__14 _1ce\"> </span></span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:753.17584px;\">Konsument dagligv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _ac_6\"> </span>4 239<span class=\"__14 _8d_6\"> </span><span class=\"ls14_11 ws3a_5\">142<span class=\"__14 _1102\"> </span>17<span class=\"__14 _e2_6\"> </span></span>4<span class=\"__14 _1111\"> </span>11<span class=\"__14 _1152\"> </span>10<span class=\"__14 _1121\"> </span>4 37<span class=\"__14 _1072\"/>3<span class=\"__14 _1109\"> </span>13</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:736.76855px;\">     Livsmedel och drycker<span class=\"__14 _11b_7\"> </span>1 131<span class=\"__14 _9b_6\"> </span><span class=\"ls14_11 ws3a_5\">76<span class=\"__14 _1151\"> </span></span>5<span class=\"__14 _1151\"> </span>2<span class=\"__14 _1151\"> </span>3<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _5f_6\"> </span>1 203<span class=\"__14 _e2_6\"> </span>4</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:720.36127px;\">     Hush\u00e5lls- och hygienproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _11c_7\"> </span>701<span class=\"__14 _1152\"> </span>18<span class=\"__14 _1152\"> </span>10<span class=\"__14 _1101\"> </span>1<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _1148\"> </span><span class=\"ls1b_8 ws41_5\">723<span class=\"__14 _c3_6\"> </span></span>1</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:703.9539px;\">     H\u00e4lsov\u00e5rd<span class=\"__14 _11d_7\"> </span>2 407<span class=\"__14 _aa_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _1151\"> </span></span>2<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1101\"> </span>7<span class=\"__14 _1151\"> </span>2<span class=\"__14 _1121\"> </span>2 447<span class=\"__14 _e2_6\"> </span>8<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:687.54663px;\">Konsument s\u00e4llank<span class=\"__14 _b_13\"/>\u00f6p och tj\u00e4nster<span class=\"__14 _1139\"> </span>9 376<span class=\"__14 _5f_6\"> </span>1 075<span class=\"__14 _1147\"> </span>263<span class=\"__14 _a4_6\"> </span>11<span class=\"__14 _9b_6\"> </span>55<span class=\"__14 _1148\"> </span>166<span class=\"__14 _4e_6\"> </span>10 482<span class=\"__14 _1106\"> </span>-81</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:671.13934px;\">     Konsumentk<span class=\"__14 _1058\"/>apitalvar<span class=\"__14 _b_13\"/>or<span class=\"__14 _11e_7\"> </span>2 166<span class=\"__14 _1148\"> </span>126<span class=\"__14 _1155\"> </span>30<span class=\"__14 _1151\"> </span>2<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _1102\"> </span>13<span class=\"__14 _5f_6\"> </span>2 301<span class=\"__14 _1132\"> </span>6</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:654.73206px;\">     Media och underh\u00e5llning<span class=\"__14 _11f_7\"> </span>1 394<span class=\"__14 _9c_7\"> </span>127<span class=\"__14 _9b_6\"> </span>18<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _e2_6\"> </span>8<span class=\"__14 _1152\"> </span>10<span class=\"__14 _5f_6\"> </span>1 520<span class=\"__14 _1132\"> </span>6</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:638.32477px;\">     Detaljhandel<span class=\"__14 _1177\"> </span>3 796<span class=\"__14 _1147\"> </span>256<span class=\"__14 _8d_6\"> </span><span class=\"ls14_11 ws3a_5\">178<span class=\"__14 _1151\"> </span></span>5<span class=\"__14 _1102\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _9c_7\"> </span></span>118<span class=\"__14 _1154\"> </span>4 090<span class=\"__14 _1106\"> </span><span class=\"ls1f_7 ws45_4\">-<span class=\"__14 _1072\"/>74</span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:621.9174px;\">     Flygre<span class=\"__14 _1058\"/>sor<span class=\"__14 _ed_6\"> </span>131<span class=\"__14 _1155\"> </span>62<span class=\"__14 _e2_6\"> </span>5<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1101\"> </span>2<span class=\"__14 _e2_6\"> </span>2<span class=\"__14 _8d_6\"> </span>193<span class=\"__14 _1132\"> </span>6</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:605.51013px;\">     Logi och fritid<span class=\"__14 _1169\"> </span><span class=\"ls16_11 ws3c_5\">1 24<span class=\"__14 _1072\"/>2<span class=\"__14 _1136\"> </span></span>499<span class=\"__14 _9b_6\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1151\"> </span></span>2<span class=\"__14 _1152\"> </span>22<span class=\"__14 _1152\"> </span>16<span class=\"__14 _5f_6\"> </span>1 7<span class=\"__14 _1072\"/>26<span class=\"__14 _1106\"> </span><span class=\"ls16_11 ws3c_5\">-25</span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:589.10284px;\">     <span class=\"__14 _1058\"/>T<span class=\"__14 _1c_10\"/>elekomtj\u00e4nster<span class=\"__14 _1178\"> </span>647<span class=\"__14 _1151\"> </span>5<span class=\"__14 _1101\"> </span>7<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1101\"> </span>7<span class=\"__14 _1136\"> </span>65<span class=\"__14 _1072\"/>2<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:572.69556px;\">Industri<span class=\"__14 _10d_6\"> </span>27 346<span class=\"__14 _1118\"> </span>2 333<span class=\"__14 _1147\"> </span>682<span class=\"__14 _9b_6\"> </span>41<span class=\"__14 _1155\"> </span>95<span class=\"__14 _1147\"> </span><span class=\"ls16_11 ws3c_5\">3<span class=\"__14 _1072\"/>24<span class=\"__14 _3b_8\"> </span></span>29 901<span class=\"__14 _9b_6\"> </span>32</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:556.28827px;\">     R\u00e5v<span class=\"__14 _1058\"/>aror<span class=\"__14 _1179\"> </span>1 722<span class=\"__14 _8d_6\"> </span>156<span class=\"__14 _1156\"> </span>59<span class=\"__14 _1151\"> </span>3<span class=\"__14 _1151\"> </span>5<span class=\"__14 _1156\"> </span>30<span class=\"__14 _1118\"> </span>1 899<span class=\"__14 _1155\"> </span>35</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:539.8809px;\">     Kapitalv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _10e_6\"> </span><span class=\"ls14_11 ws3a_5\">3 14<span class=\"__14 _1072\"/>8<span class=\"__14 _8d_6\"> </span></span>415<span class=\"__14 _1148\"> </span><span class=\"ls16_11 ws3c_5\">1<span class=\"__14 _1072\"/>24<span class=\"__14 _1151\"> </span></span>3<span class=\"__14 _1109\"> </span>16<span class=\"__14 _1156\"> </span>58<span class=\"__14 _1118\"> </span>3 610<span class=\"__14 _1111\"> </span><span class=\"ls23_6 ws49_3\">-7</span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:523.47363px;\">     Producenttj\u00e4ns<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1180\"> </span>4 779<span class=\"__14 _1148\"> </span>353<span class=\"__14 _aa_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _1151\"> </span></span>7<span class=\"__14 _1102\"> </span>15<span class=\"__14 _1152\"> </span>27<span class=\"__14 _a6_7\"> </span>5 131<span class=\"__14 _1152\"> </span>18</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:507.06635px;\">     Byggindustri<span class=\"__14 _10c_6\"> </span>7 837<span class=\"__14 _1136\"> </span>685<span class=\"__14 _1136\"> </span>200<span class=\"__14 _1152\"> </span>13<span class=\"__14 _1155\"> </span>30<span class=\"__14 _9c_7\"> </span>101<span class=\"__14 _1121\"> </span>8 578<span class=\"__14 _1106\"> </span><span class=\"ls14_11 ws3a_5\">-19</span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:490.65906px;\">     Partihandel<span class=\"__14 _1158\"> </span>5 452<span class=\"__14 _1136\"> </span>434<span class=\"__14 _1152\"> </span><span class=\"ls1b_8 ws41_5\">77<span class=\"__14 _1151\"> </span></span>7<span class=\"__14 _a4_6\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1156\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _8c_6\"> </span></span></span>5 896<span class=\"__14 _1155\"> </span>29</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:474.25174px;\">     Marktransport<span class=\"__14 _1181\"> </span>2 596<span class=\"__14 _1148\"> </span>218<span class=\"__14 _1148\"> </span>106<span class=\"__14 _1132\"> </span>4<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _aa_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _1121\"> </span></span>2 862<span class=\"__14 _da_6\"> </span><span class=\"ls14_11 ws3a_5\">-15</span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:457.84445px;\">     IT<span class=\"__14 _b_13\"/>-tj\u00e4nster<span class=\"__14 _1150\"> </span>1 812<span class=\"__14 _1152\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _aa_6\"> </span></span>68<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _1132\"> </span>6<span class=\"__14 _a4_6\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _5f_6\"> </span></span>1 925<span class=\"__14 _1102\"> </span>-9<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:441.43713px;\">Sj\u00f6fart<span class=\"__14 _1167\"> </span>5 75<span class=\"__14 _1058\"/>7<span class=\"__14 _1104\"> </span>4<span class=\"__14 _1072\"/>80<span class=\"__14 _1136\"> </span>505<span class=\"__14 _1101\"> </span>7<span class=\"__14 _1151\"> </span>7<span class=\"__14 _8d_6\"> </span>152<span class=\"__14 _1118\"> </span><span class=\"ls14_11 ws3a_5\">6 576<span class=\"__14 _da_6\"> </span>-1<span class=\"__14 _1072\"/>2</span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:425.02985px;\">     V<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>vsindustri<span class=\"__14 _1182\"> </span><span class=\"ls16_11 ws3c_5\">248<span class=\"__14 _1151\"> </span></span>6<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1101\"> </span>2<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1148\"> </span><span class=\"ls1a_9 ws40_5\">252<span class=\"__14 _1132\"> </span></span>4</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:408.62253px;\">     Sj\u00f6transport<span class=\"__14 _1183\"> </span>5 043<span class=\"__14 _1147\"> </span>47<span class=\"__14 _1072\"/>2<span class=\"__14 _1136\"> </span>505<span class=\"__14 _1151\"> </span>5<span class=\"__14 _1101\"> </span>7<span class=\"__14 _1106\"> </span><span class=\"ls14_11 ws3a_5\">151<span class=\"__14 _1118\"> </span></span>5 857<span class=\"__14 _da_6\"> </span><span class=\"ls14_11 ws3a_5\">-17</span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:392.21524px;\">     Sj\u00f6fartstj\u00e4ns<span class=\"__14 _1058\"/>ter<span class=\"__14 _ea_7\"> </span>466<span class=\"__14 _1151\"> </span>2<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1132\"> </span>0<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1147\"> </span>467<span class=\"__14 _1101\"> </span>1<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:375.80795px;\">Samh\u00e4llsnyttiga tj\u00e4nster<span class=\"__14 _11b_7\"> </span>7 546<span class=\"__14 _8d_6\"> </span>154<span class=\"__14 _1156\"> </span>45<span class=\"__14 _1132\"> </span>4<span class=\"__14 _1101\"> </span>7<span class=\"__14 _1155\"> </span>29<span class=\"__14 _1118\"> </span>7 705<span class=\"__14 _b7_7\"> </span><span class=\"ls14_11 ws3a_5\">-11</span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:359.40063px;\">     El, vatten och gas<span class=\"__14 _1173\"> </span>3 540<span class=\"__14 _8d_6\"> </span>116<span class=\"__14 _1155\"> </span>29<span class=\"__14 _1101\"> </span>2<span class=\"__14 _e2_6\"> </span>5<span class=\"__14 _a4_6\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1118\"> </span></span>3 661<span class=\"__14 _1109\"> </span>-6</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:342.99335px;\">     Kraftproduk<span class=\"__14 _b_13\"/>tion<span class=\"__14 _1171\"> </span>3 326<span class=\"__14 _1155\"> </span>20<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1132\"> </span>0<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1118\"> </span>3 345<span class=\"__14 _e2_6\"> </span>2</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:326.58603px;\">     Allm\u00e4nnyttiga f<span class=\"__14 _b_13\"/>\u00f6retag<span class=\"__14 _1184\"> </span>680<span class=\"__14 _1152\"> </span>18<span class=\"__14 _1109\"> </span>15<span class=\"__14 _1151\"> </span>2<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1111\"> </span>11<span class=\"__14 _1129\"> </span>699<span class=\"__14 _1111\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:310.17874px;\">F<span class=\"__14 _b_13\"/>astighetsbolag<span class=\"__14 _1181\"> </span>35 664<span class=\"__14 _1118\"> </span>1 029<span class=\"__14 _1148\"> </span>182<span class=\"__14 _9b_6\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1155\"> </span><span class=\"ls24_6 ws4a_3\">42<span class=\"__14 _1106\"> </span><span class=\"ls14_11 ws3a_5\">117<span class=\"__14 _5a_6\"> </span></span></span></span>36 692<span class=\"__14 _8d_6\"> </span>-44<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:293.77145px;\">\u00d6vriga branscher<span class=\"__14 _10c_6\"> </span>427<span class=\"__14 _1147\"> </span>196<span class=\"__14 _e2_6\"> </span>8<span class=\"__14 _1151\"> </span>5<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1147\"> </span>625<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:278.10123px;\">Summa f\u00f6retagsk<span class=\"__14 _b_13\"/>under<span class=\"__14 _1080\"> </span>110 057<span class=\"__14 _1154\"> </span>5 983<span class=\"__14 _1118\"> </span>2 472<span class=\"__14 _1106\"> </span>111<span class=\"__14 _1147\"> </span><span class=\"ls16_11 ws3c_5\">242<span class=\"__14 _1118\"> </span></span>1 249<span class=\"__14 _1135\"> </span>116 910<span class=\"__14 _9c_7\"> </span><span class=\"ls22_6 ws48_3\">-7<span class=\"__14 _1072\"/>3</span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:261.69394px;\">   Bol\u00e5n<span class=\"__14 _d7_6\"> </span>118 361<span class=\"__14 _1121\"> </span>4 287<span class=\"__14 _1148\"> </span>477<span class=\"__14 _1109\"> </span>15<span class=\"__14 _1155\"> </span>38<span class=\"__14 _aa_6\"> </span>88<span class=\"__14 _1127\"> </span>122 984<span class=\"__14 _1106\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _1072\"/>2</span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:245.28665px;\">   L\u00e5n mot s\u00e4kerhet<span class=\"__14 _1122\"> </span>17 270<span class=\"__14 _1121\"> </span>1 308<span class=\"__14 _8d_6\"> </span>310<span class=\"__14 _1156\"> </span>47<span class=\"__14 _1156\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _8d_6\"> </span></span>161<span class=\"__14 _1119\"> </span>18 632<span class=\"__14 _1152\"> </span>27</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:228.87933px;\">   L\u00e5n utan s\u00e4kerhet<span class=\"__14 _1174\"> </span>5 708<span class=\"__14 _1121\"> </span>1 054<span class=\"__14 _8d_6\"> </span>219<span class=\"__14 _1109\"> </span>21<span class=\"__14 _1102\"> </span>71<span class=\"__14 _9c_7\"> </span>110<span class=\"__14 _1121\"> </span>6 7<span class=\"__14 _1072\"/>79<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:212.47205px;\">Privatkunder<span class=\"__14 _1185\"> </span>141 339<span class=\"__14 _1115\"> </span>6 649<span class=\"__14 _1121\"> </span>1 006<span class=\"__14 _aa_6\"> </span>83<span class=\"__14 _8d_6\"> </span><span class=\"ls14_11 ws3a_5\">157<span class=\"__14 _1147\"> </span></span>359<span class=\"__14 _1074\"> </span>148 395<span class=\"__14 _9c_7\"> </span>-41<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:196.06474px;\"><span class=\"__14 _1ce\">Offen</span><span class=\"__14 _1058\"/>tlig sektor<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:211.22336px; bottom:196.11479px;\">4 436<span class=\"__14 _8d_6\"> </span>101<span class=\"__14 _1156\"> </span>34<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1151\"> </span>2<span class=\"__14 _8c_6\"> </span>4 569<span class=\"__14 _1152\"> </span><span class=\"ls1b_8 ws41_5\">-4<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:179.70749px;\">Utl\u00e5ning till allm\u00e4nheten <span class=\"__14 _1186\"> </span>255 832<span class=\"__14 _1098\"> </span>12 733<span class=\"__14 _1120\"> </span>3 512<span class=\"__14 _1147\"> </span>194<span class=\"__14 _1129\"> </span>399<span class=\"__14 _5f_6\"> </span>1 610<span class=\"__14 _5d_6\"> </span>269 874<span class=\"__14 _a1_6\"> </span>-118<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:163.30019px;\">Utl\u00e5ning till kreditinstitut och </div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:152.25279px;\">centralbank<span class=\"__14 _b_13\"/>er<span class=\"__14 _1182\"> </span>1 785<span class=\"__14 _1152\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1132\"> </span></span>0<span class=\"__14 _1151\"> </span>3<span class=\"__14 _1132\"> </span>0<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1118\"> </span>1 796<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:135.84549px;\">Summa<span class=\"__14 _c0_7\"> </span><span class=\"ls14_11 ws3a_5\">2<span class=\"__14 _1072\"/>57 617<span class=\"__14 _1149\"> </span></span>12 7<span class=\"__14 _b_13\"/>47<span class=\"__14 _5f_6\"> </span>3 512<span class=\"__14 _1148\"> </span><span class=\"ls25_6 ws4b_3\">197<span class=\"__14 _1136\"> </span></span>399<span class=\"__14 _5f_6\"> </span>1 610<span class=\"__14 _1123\"> </span>271 670<span class=\"__14 _1130\"> </span>-118<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hf_13 ff2_14 fs8_12 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:116.188324px;\">1) T<span class=\"__14 _1c_10\"/>abellen visar kreditf\u00f6rluster p\u00e5 e<span class=\"__14 _b_13\"/>xponeringar i och utanf\u00f6r balansr\u00e4kningen f\u00f6r hel\u00e5r<span class=\"__14 _1058\"/>et 2021.<span class=\"__14 _1ce\"> </span></div>212<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>Os\u00e4kra l\u00e5nef<span class=\"__14 _b_13\"/>ordringar (kategori 3), per land och bransch (inkl<span class=\"__14 _b_13\"/>usive l\u00e5n till verkligt v\u00e4rde)<span class=\"__14 _1ce\"> </span>31 dec 2022, mn euro<span class=\"__14 _b3_6\"> </span>Danmark<span class=\"__14 _1130\"> </span>Finland<span class=\"__14 _da_6\"> </span>Norge<span class=\"__14 _fc_7\"> </span>Sverige<span class=\"__14 _1ce\"> </span>Utanf\u00f6r <span class=\"__14 _1067\"/> Norden<span class=\"__14 _1130\"> </span>Summa Finansinstitut<span class=\"__14 _12a_4\"> </span>46<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1087\"> </span>6<span class=\"__14 _1092\"> </span>10<span class=\"__14 _1087\"> </span>0<span class=\"__14 _a3_6\"> </span><span class=\"ls21_7 ws47_3\">64<span class=\"__14 _1ce\"> </span></span>Jordbruk<span class=\"__14 _12b_4\"> </span><span class=\"ls18_10 ws3e_5\">197<span class=\"__14 _1093\"> </span></span>29<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b5_7\"> </span>228     Gr\u00f6dor<span class=\"__14 _b_13\"/>, odling och jakt<span class=\"__14 _4f_6\"> </span>35<span class=\"__14 _b8_6\"> </span>6<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _a3_6\"> </span><span class=\"ls24_6 ws4a_3\">42</span>     Djurh\u00e5llning<span class=\"__14 _cd_6\"> </span>162<span class=\"__14 _12c_4\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _bf_7\"> </span></span>1<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b5_7\"> </span>186     Fiske och vatt<span class=\"__14 _1058\"/>enbruk<span class=\"__14 _12d_4\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1ce\"> </span>Naturresurser<span class=\"__14 _12e_4\"> </span>8<span class=\"__14 _1092\"> </span>15<span class=\"__14 _12c_4\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1087\"> </span></span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a2_6\"> </span>46     Pappers- och skogsproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _f9_6\"> </span>8<span class=\"__14 _12c_4\"> </span>10<span class=\"__14 _b8_6\"> </span>5<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span><span class=\"ls1b_8 ws41_5\">23</span>     Gruvdrift och kringverksamhet<span class=\"__14 _8a_6\"> </span>0<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _1ce\">     Olje-, gas- och offshore-verksamhet</span><span class=\"__14 _12f_4\"> </span>0<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _1090\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1087\"> </span></span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span>20<span class=\"__14 _1ce\"> </span>Konsument dagligv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _1187\"> </span>69<span class=\"__14 _1090\"> </span>11<span class=\"__14 _1087\"> </span>8<span class=\"__14 _1086\"> </span>2<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a2_6\"> </span>90     Livsmedel och drycker<span class=\"__14 _1188\"> </span><span class=\"ls24_6 ws4a_3\">42<span class=\"__14 _1087\"> </span></span>8<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1086\"> </span>2<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1093\"> </span><span class=\"ls1a_9 ws40_5\">52</span>     Hush\u00e5lls- och hygienproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1185\"> </span>2<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _1086\"> </span>7<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1090\"> </span>11     H\u00e4lsov\u00e5rd<span class=\"__14 _1189\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _bf_7\"> </span></span>1<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _12c_4\"> </span>27<span class=\"__14 _1ce\"> </span>Konsument s\u00e4llank<span class=\"__14 _b_13\"/>\u00f6p och tj\u00e4nster<span class=\"__14 _5e_6\"> </span>134<span class=\"__14 _a2_6\"> </span>44<span class=\"__14 _2a_8\"> </span>15<span class=\"__14 _1079\"> </span>101<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1101\"> </span>294     Konsumentk<span class=\"__14 _1058\"/>apitalvar<span class=\"__14 _b_13\"/>or<span class=\"__14 _b3_6\"> </span>1<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _1087\"> </span>0<span class=\"__14 _a2_6\"> </span>40<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a2_6\"> </span>44     Media och underh\u00e5llning<span class=\"__14 _c0_7\"> </span>3<span class=\"__14 _12c_4\"> </span>16<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1087\"> </span>0<span class=\"__14 _2a_8\"> </span>21     Detaljhandel<span class=\"__14 _e7_6\"> </span>127<span class=\"__14 _1092\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _b8_6\"> </span></span>6<span class=\"__14 _12c_4\"> </span>37<span class=\"__14 _1087\"> </span>0<span class=\"__14 _be_7\"> </span>184     Flygre<span class=\"__14 _1058\"/>sor<span class=\"__14 _1190\"> </span>0<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1087\"> </span>6<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _1087\"> </span>0<span class=\"__14 _2a_8\"> </span>12     Logi och fritid<span class=\"__14 _1191\"> </span>3<span class=\"__14 _b8_6\"> </span>9<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _2a_8\"> </span>12<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1092\"> </span>27     <span class=\"__14 _1058\"/>T<span class=\"__14 _1c_10\"/>elekomtj\u00e4nster<span class=\"__14 _1192\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>6<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>6<span class=\"__14 _1ce\"> </span>Industri<span class=\"__14 _1193\"> </span>126<span class=\"__14 _1101\"> </span>206<span class=\"__14 _a3_6\"> </span>93<span class=\"__14 _8e_6\"> </span>137<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b5_7\"> </span>562     R\u00e5v<span class=\"__14 _1058\"/>aror<span class=\"__14 _f4_6\"> </span>16<span class=\"__14 _12c_4\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1087\"> </span></span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span>39     Kapitalv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _e3_6\"> </span>30<span class=\"__14 _1093\"> </span>30<span class=\"__14 _1087\"> </span>8<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _1087\"> </span>0<span class=\"__14 _12c_4\"> </span><span class=\"ls1c_8 ws42_5\">72</span>     Producenttj\u00e4ns<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1194\"> </span>13<span class=\"__14 _2a_8\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1090\"> </span></span>12<span class=\"__14 _1087\"> </span>8<span class=\"__14 _1087\"> </span>0<span class=\"__14 _a3_6\"> </span>50     Byggindustri<span class=\"__14 _c2_7\"> </span>35<span class=\"__14 _a2_6\"> </span>96<span class=\"__14 _1093\"> </span>26<span class=\"__14 _1092\"> </span>13<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _4b_6\"> </span><span class=\"ls14_11 ws3a_5\">170</span>     Partihandel<span class=\"__14 _1195\"> </span>26<span class=\"__14 _1092\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _bf_7\"> </span></span>1<span class=\"__14 _12c_4\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1087\"> </span></span>0<span class=\"__14 _a3_6\"> </span>66     Marktransport<span class=\"__14 _cd_6\"> </span>3<span class=\"__14 _1090\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _a2_6\"> </span></span>46<span class=\"__14 _1093\"> </span>29<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span>95     IT<span class=\"__14 _b_13\"/>-tj\u00e4nster<span class=\"__14 _f5_6\"> </span>3<span class=\"__14 _1087\"> </span>9<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span>58<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span>70<span class=\"__14 _1ce\"> </span>Sj\u00f6fart<span class=\"__14 _1196\"> </span>0<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _1092\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _1086\"> </span></span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _12c_4\"> </span>75     V<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>vsindustri<span class=\"__14 _d2_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1086\"> </span>3<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b8_6\"> </span>3     Sj\u00f6transport<span class=\"__14 _d0_6\"> </span>0<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _2a_8\"> </span>71<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _12c_4\"> </span><span class=\"ls1c_8 ws42_5\">72</span>     Sj\u00f6fartstj\u00e4ns<span class=\"__14 _1058\"/>ter<span class=\"__14 _b4_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1ce\"> </span>Samh\u00e4llsnyttiga tj\u00e4nster<span class=\"__14 _1078\"> </span>5<span class=\"__14 _1086\"> </span>7<span class=\"__14 _1086\"> </span>3<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _2a_8\"> </span><span class=\"ls14_11 ws3a_5\">17</span>     El, vatten och gas<span class=\"__14 _13a_4\"> </span>0<span class=\"__14 _b8_6\"> </span>5<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>6     Kraftproduk<span class=\"__14 _b_13\"/>tion<span class=\"__14 _1192\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _bb_7\"> </span>1     Allm\u00e4nnyttiga f<span class=\"__14 _b_13\"/>\u00f6retag<span class=\"__14 _e8_7\"> </span>5<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _1086\"> </span>3<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1093\"> </span>10<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _b_13\"/>astighetsbolag<span class=\"__14 _cd_6\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _a3_6\"> </span></span>93<span class=\"__14 _12c_4\"> </span>35<span class=\"__14 _1086\"> </span>7<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1079\"> </span><span class=\"ls14_11 ws3a_5\">178<span class=\"__14 _1ce\"> </span></span>\u00d6vriga branscher<span class=\"__14 _13b_4\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1086\"> </span>7<span class=\"__14 _1ce\"> </span>Summa f\u00f6retagsk<span class=\"__14 _b_13\"/>under<span class=\"__14 _1159\"> </span>629<span class=\"__14 _e2_6\"> </span>408<span class=\"__14 _c3_6\"> </span>263<span class=\"__14 _be_7\"> </span>261<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1155\"> </span>1 561   Bol\u00e5n<span class=\"__14 _13c_4\"> </span>269<span class=\"__14 _c3_6\"> </span>326<span class=\"__14 _1092\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _12c_4\"> </span></span>34<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b5_7\"> </span>703   L\u00e5n mot s\u00e4kerhet<span class=\"__14 _13d_4\"> </span>82<span class=\"__14 _b5_7\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>4<span class=\"__14 _1093\"> </span></span>34<span class=\"__14 _1087\"> </span>4<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1101\"> </span>264   L\u00e5n utan s\u00e4kerhet<span class=\"__14 _13e_4\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _a2_6\"> </span></span>86<span class=\"__14 _2a_8\"> </span>12<span class=\"__14 _1093\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _4b_6\"> </span><span class=\"ls14_11 ws3a_5\">145<span class=\"__14 _1ce\"> </span></span>Privatkunder<span class=\"__14 _13f_4\"> </span><span class=\"ls1f_7 ws45_4\">3<span class=\"__14 _1072\"/>74<span class=\"__14 _b5_7\"> </span></span>556<span class=\"__14 _be_7\"> </span>120<span class=\"__14 _a3_6\"> </span>62<span class=\"__14 _b8_6\"> </span><span class=\"ff2_14\">0<span class=\"__14 _1102\"> </span></span>1 112<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Offen</span><span class=\"__14 _1058\"/>tlig sektor<span class=\"__14 _cd_6\"> </span>38<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _1087\"> </span><span class=\"ff2_14\">0<span class=\"__14 _1093\"> </span></span>39<span class=\"__14 _1ce\"> </span>Summa os\u00e4kra for<span class=\"__14 _b_13\"/>dringar<span class=\"__14 _1150\"> </span>1 041<span class=\"__14 _1151\"> </span>964<span class=\"__14 _c3_6\"> </span>383<span class=\"__14 _c3_6\"> </span><span class=\"ls16_11 ws3c_5\">324<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _1152\"> </span>2 712  varav v<span class=\"__14 _b_13\"/>\u00e4rderad till verkligt v\u00e4rde<span class=\"__14 _1197\"> </span>455<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1092\"> </span>15<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span><span class=\"ff2_14\">0<span class=\"__14 _1101\"> </span></span>470<span class=\"__14 _1ce\"> </span>213<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>Os\u00e4kra l\u00e5nef<span class=\"__14 _b_13\"/>ordringar (kategori 3), per land och bransch (inkl<span class=\"__14 _b_13\"/>usive l\u00e5n till verkligt v\u00e4rde)<span class=\"__14 _1ce\"> </span>31 dec 2021, mn euro<span class=\"__14 _e6_6\"> </span>Danmark<span class=\"__14 _1130\"> </span>Finland<span class=\"__14 _da_6\"> </span>Norge<span class=\"__14 _fc_7\"> </span>Sverige<span class=\"__14 _1ce\"> </span>Utanf\u00f6r <span class=\"__14 _1067\"/> Norden<span class=\"__14 _1130\"> </span>Summa Finansinstitut<span class=\"__14 _12a_4\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _b8_6\"> </span></span>5<span class=\"__14 _1092\"> </span>15<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _a2_6\"> </span>68<span class=\"__14 _1ce\"> </span>Jordbruk<span class=\"__14 _1198\"> </span>307<span class=\"__14 _12c_4\"> </span>18<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _be_7\"> </span>332     Gr\u00f6dor<span class=\"__14 _b_13\"/>, odling och jakt<span class=\"__14 _10d_6\"> </span>66<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _1086\"> </span>2<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _12c_4\"> </span><span class=\"ls1c_8 ws42_5\">72</span>     Djurh\u00e5llning<span class=\"__14 _d3_6\"> </span><span class=\"ls16_11 ws3c_5\">241<span class=\"__14 _2a_8\"> </span></span>15<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1101\"> </span>2<span class=\"__14 _1072\"/>59     Fiske och vatt<span class=\"__14 _1058\"/>enbruk<span class=\"__14 _12d_4\"> </span>0<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _1ce\"> </span>Naturresurser<span class=\"__14 _1199\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _2a_8\"> </span></span>15<span class=\"__14 _b5_7\"> </span>207<span class=\"__14 _1087\"> </span>0<span class=\"__14 _be_7\"> </span>337<span class=\"__14 _be_7\"> </span><span class=\"ls14_11 ws3a_5\">576</span>     Pappers- och skogsproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1183\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1090\"> </span></span>11<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1093\"> </span>32     Gruvdrift och kringverksamhet<span class=\"__14 _8a_6\"> </span>0<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _1ce\">     Olje-, gas- och offshore-verksamhet</span><span class=\"__14 _12f_4\"> </span>0<span class=\"__14 _1086\"> </span>2<span class=\"__14 _c3_6\"> </span>202<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b5_7\"> </span>337<span class=\"__14 _4b_6\"> </span>541<span class=\"__14 _1ce\"> </span>Konsument dagligv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _de_6\"> </span>5<span class=\"__14 _1086\"> </span>5<span class=\"__14 _1087\"> </span>9<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span>20     Livsmedel och drycker<span class=\"__14 _3a_9\"> </span>1<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b8_6\"> </span>5     Hush\u00e5lls- och hygienproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1185\"> </span>2<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _b8_6\"> </span>8<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1200\"> </span>11     H\u00e4lsov\u00e5rd<span class=\"__14 _f5_6\"> </span>2<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _1ce\"> </span>Konsument s\u00e4llank<span class=\"__14 _b_13\"/>\u00f6p och tj\u00e4nster<span class=\"__14 _1201\"> </span><span class=\"ls14_11 ws3a_5\">114<span class=\"__14 _1093\"> </span></span>39<span class=\"__14 _12c_4\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _be_7\"> </span></span>104<span class=\"__14 _1087\"> </span>0<span class=\"__14 _8e_6\"> </span>271     Konsumentk<span class=\"__14 _1058\"/>apitalvar<span class=\"__14 _b_13\"/>or<span class=\"__14 _1202\"> </span>3<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _a2_6\"> </span>30     Media och underh\u00e5llning<span class=\"__14 _1179\"> </span>4<span class=\"__14 _12c_4\"> </span>10<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1087\"> </span>4<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _12c_4\"> </span>19     Detaljhandel<span class=\"__14 _c7_6\"> </span>104<span class=\"__14 _1203\"> </span>12<span class=\"__14 _1086\"> </span>7<span class=\"__14 _a2_6\"> </span>60<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b5_7\"> </span>183     Flygre<span class=\"__14 _1058\"/>sor<span class=\"__14 _1190\"> </span>0<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b8_6\"> </span>5     Logi och fritid<span class=\"__14 _1191\"> </span>3<span class=\"__14 _12c_4\"> </span>10<span class=\"__14 _b8_6\"> </span>5<span class=\"__14 _b8_6\"> </span>8<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span>26     <span class=\"__14 _1058\"/>T<span class=\"__14 _1c_10\"/>elekomtj\u00e4nster<span class=\"__14 _1192\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>8<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>8<span class=\"__14 _1ce\"> </span>Industri<span class=\"__14 _13c_4\"> </span>163<span class=\"__14 _b5_7\"> </span>254<span class=\"__14 _8e_6\"> </span><span class=\"ls1f_7 ws45_4\">1<span class=\"__14 _1072\"/>74<span class=\"__14 _1153\"> </span></span>118<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1101\"> </span>709     R\u00e5v<span class=\"__14 _1058\"/>aror<span class=\"__14 _f4_6\"> </span>16<span class=\"__14 _1093\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _1087\"> </span></span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a3_6\"> </span>59     Kapitalv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _bc_6\"> </span>62<span class=\"__14 _a3_6\"> </span>45<span class=\"__14 _2a_8\"> </span>15<span class=\"__14 _b8_6\"> </span>5<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _8e_6\"> </span>127     Producenttj\u00e4ns<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1204\"> </span>16<span class=\"__14 _12c_4\"> </span>18<span class=\"__14 _2a_8\"> </span>13<span class=\"__14 _b8_6\"> </span>9<span class=\"__14 _1087\"> </span>0<span class=\"__14 _a3_6\"> </span>56     Byggindustri<span class=\"__14 _1205\"> </span>38<span class=\"__14 _a2_6\"> </span>66<span class=\"__14 _a3_6\"> </span>89<span class=\"__14 _2a_8\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _4b_6\"> </span>210     Partihandel<span class=\"__14 _f6_6\"> </span>22<span class=\"__14 _a3_6\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1086\"> </span></span>2<span class=\"__14 _1092\"> </span>31<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a2_6\"> </span>80     Marktransport<span class=\"__14 _d3_6\"> </span>7<span class=\"__14 _a2_6\"> </span>44<span class=\"__14 _a3_6\"> </span>54<span class=\"__14 _1086\"> </span>2<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _be_7\"> </span>107     IT<span class=\"__14 _b_13\"/>-tj\u00e4nster<span class=\"__14 _f5_6\"> </span>2<span class=\"__14 _1092\"> </span>13<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _a3_6\"> </span>54<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a3_6\"> </span>70<span class=\"__14 _1ce\"> </span>Sj\u00f6fart<span class=\"__14 _1206\"> </span>28<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1151\"> </span>488<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _4b_6\"> </span><span class=\"ls14_11 ws3a_5\">516</span>     V<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>vsindustri<span class=\"__14 _d2_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0     Sj\u00f6transport<span class=\"__14 _e3_6\"> </span>28<span class=\"__14 _1087\"> </span>0<span class=\"__14 _be_7\"> </span>477<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _c3_6\"> </span>505     Sj\u00f6fartstj\u00e4ns<span class=\"__14 _1058\"/>ter<span class=\"__14 _b4_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1090\"> </span>11<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1090\"> </span>11<span class=\"__14 _1ce\"> </span>Samh\u00e4llsnyttiga tj\u00e4nster<span class=\"__14 _1078\"> </span>3<span class=\"__14 _1086\"> </span>5<span class=\"__14 _1093\"> </span>37<span class=\"__14 _1086\"> </span>3<span class=\"__14 _1087\"> </span>0<span class=\"__14 _a2_6\"> </span><span class=\"ls1b_8 ws41_5\">48</span>     El, vatten och gas<span class=\"__14 _13a_4\"> </span>0<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _1093\"> </span>28<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a3_6\"> </span>29     Kraftproduk<span class=\"__14 _b_13\"/>tion<span class=\"__14 _1192\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _bb_7\"> </span>1     Allm\u00e4nnyttiga f<span class=\"__14 _b_13\"/>\u00f6retag<span class=\"__14 _e8_7\"> </span>3<span class=\"__14 _1087\"> </span>4<span class=\"__14 _b8_6\"> </span>9<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1087\"> </span>0<span class=\"__14 _12c_4\"> </span>18<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _b_13\"/>astighetsbolag<span class=\"__14 _d3_6\"> </span><span class=\"ls18_10 ws3e_5\">97<span class=\"__14 _1093\"> </span>97<span class=\"__14 _a3_6\"> </span></span>50<span class=\"__14 _1092\"> </span>10<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b5_7\"> </span>254<span class=\"__14 _1ce\"> </span>\u00d6vriga branscher<span class=\"__14 _13b_4\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1086\"> </span>7<span class=\"__14 _1ce\"> </span>Summa f\u00f6retagsk<span class=\"__14 _b_13\"/>under<span class=\"__14 _14a_3\"> </span>783<span class=\"__14 _1151\"> </span>438<span class=\"__14 _aa_6\"> </span>1 002<span class=\"__14 _1101\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1072\"/>0<span class=\"__14 _c3_6\"> </span></span>338<span class=\"__14 _aa_6\"> </span>2 801   Bol\u00e5n<span class=\"__14 _13c_4\"> </span>346<span class=\"__14 _c3_6\"> </span>355<span class=\"__14 _1092\"> </span>81<span class=\"__14 _a3_6\"> </span><span class=\"ls24_6 ws4a_3\">42<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _1101\"> </span><span class=\"ls16_11 ws3c_5\">824</span>   L\u00e5n mot s\u00e4kerhet<span class=\"__14 _14b_3\"> </span>129<span class=\"__14 _be_7\"> </span>138<span class=\"__14 _1092\"> </span>41<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _8e_6\"> </span>311   L\u00e5n utan s\u00e4kerhet<span class=\"__14 _14c_3\"> </span>31<span class=\"__14 _8e_6\"> </span>131<span class=\"__14 _1093\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1092\"> </span></span>32<span class=\"__14 _1087\"> </span>0<span class=\"__14 _4b_6\"> </span>218<span class=\"__14 _1ce\"> </span>Privatkunder<span class=\"__14 _14d_2\"> </span>506<span class=\"__14 _1101\"> </span><span class=\"ls16_11 ws3c_5\">624<span class=\"__14 _b5_7\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>6<span class=\"__14 _12c_4\"> </span><span class=\"ls1b_8 ws41_5\">77<span class=\"__14 _1087\"> </span></span></span></span>0<span class=\"__14 _1155\"> </span>1 353<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Offen</span><span class=\"__14 _1058\"/>tlig sektor<span class=\"__14 _d3_6\"> </span>32<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a2_6\"> </span>34<span class=\"__14 _1ce\"> </span>Summa os\u00e4kra for<span class=\"__14 _b_13\"/>dringar<span class=\"__14 _14e_2\"> </span>1 321<span class=\"__14 _aa_6\"> </span>1 062<span class=\"__14 _9b_6\"> </span>1 150<span class=\"__14 _1079\"> </span><span class=\"ls14_11 ws3a_5\">317<span class=\"__14 _c3_6\"> </span></span>338<span class=\"__14 _b0_6\"> </span>4 188  varav v<span class=\"__14 _b_13\"/>\u00e4rderad till verkligt v\u00e4rde<span class=\"__14 _1174\"> </span>658<span class=\"__14 _1087\"> </span>0<span class=\"__14 _2a_8\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _c3_6\"> </span>675<span class=\"__14 _1ce\"> </span>214<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till allm\u00e4nheten, v\u00e4rder<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ad till upplupet anskaffningsv\u00e4rde<span class=\"__14 _1ce\"> </span></span>31 dec 2022, mn euro<span class=\"__14 _1ce\"> </span>Kredit-<span class=\"__14 _1ce\"> </span>f\u00f6rlust<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>, <span class=\"__14 _1ce\">netto1<span class=\"__14 _1ce\"> </span></span>Kredit-<span class=\"__14 _1ce\"> </span>f\u00f6rlustr<span class=\"__14 _1058\"/>e-<span class=\"__14 _1ce\"> </span>lation, pkt<span class=\"__14 _1ce\"> </span>Os\u00e4kra l\u00e5neford-<span class=\"__14 _1ce\"> </span>ringar kategori 3<span class=\"__14 _1ce\"> </span>Andel os\u00e4kra fordringar<span class=\"__14 _b_13\"/>,<span class=\"__14 _1ce\"> </span>pkt<span class=\"__14 _1ce\"> </span>Summa avs\u00e4<span class=\"__14 _1058\"/>tt- ningar<span class=\"__14 _1ce\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4tt- ningar <span class=\"__14 _1069\"/> kategori 1<span class=\"__14 _1ce\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4tt- ningar <span class=\"__14 _1069\"/> <span class=\"__14 _1ce\">kategori 2<span class=\"__14 _1ce\"> </span></span>A<span class=\"__14 _b_13\"/>vs\u00e4tt- ningar <span class=\"__14 _1069\"/> <span class=\"__14 _1ce\">kategori 3<span class=\"__14 _1ce\"> </span></span>T<span class=\"__14 _1058\"/>\u00e4ck-<span class=\"__14 _1ce\"> </span>nings-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">grad, %2<span class=\"__14 _1ce\"> </span></span>Utl\u00e5ning till v\u00e4rderad till upplupet an-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">skaffningsv\u00e4r</span><span class=\"__14 _1058\"/>de<span class=\"__14 _1ce\"> </span>Finansinstitut<span class=\"__14 _1085\"> </span>-49<span class=\"__14 _5f_6\"> </span>-34<span class=\"__14 _1136\"> </span>62<span class=\"__14 _4c_6\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _1130\"> </span></span>47<span class=\"__14 _1106\"> </span>8<span class=\"__14 _1136\"> </span>10<span class=\"__14 _fc_7\"> </span>29<span class=\"__14 _1130\"> </span>47<span class=\"__14 _b0_6\"> </span>14 534<span class=\"__14 _1ce\"> </span>Jordbruk<span class=\"__14 _ff_6\"> </span>-3<span class=\"__14 _1136\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _a5_7\"> </span></span>107<span class=\"__14 _1118\"> </span>229<span class=\"__14 _4c_6\"> </span>78<span class=\"__14 _b0_6\"> </span>7<span class=\"__14 _1147\"> </span>15<span class=\"__14 _fc_7\"> </span>56<span class=\"__14 _1130\"> </span><span class=\"ls1a_9 ws40_5\">52<span class=\"__14 _1102\"> </span></span>4 604     Gr\u00f6dor<span class=\"__14 _b_13\"/>, odling och jakt<span class=\"__14 _be_7\"> </span>5<span class=\"__14 _4c_6\"> </span>49<span class=\"__14 _1136\"> </span>20<span class=\"__14 _1118\"> </span>192<span class=\"__14 _1104\"> </span>15<span class=\"__14 _da_6\"> </span>3<span class=\"__14 _b7_7\"> </span>4<span class=\"__14 _b0_6\"> </span>8<span class=\"__14 _7c_6\"> </span>40<span class=\"__14 _14f_2\"> </span>1 029     Djurh\u00e5llning<span class=\"__14 _1186\"> </span>-6<span class=\"__14 _1120\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _1072\"/>9<span class=\"__14 _1129\"> </span></span>86<span class=\"__14 _1117\"> </span>1 046<span class=\"__14 _7c_6\"> </span>60<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1147\"> </span>10<span class=\"__14 _a1_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _a1_6\"> </span></span>56<span class=\"__14 _a2_6\"> </span><span class=\"ls14_11 ws3a_5\">762</span>     Fiske och vatt<span class=\"__14 _1058\"/>enbruk<span class=\"__14 _a3_6\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1147\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _1152\"> </span></span></span>1<span class=\"__14 _1106\"> </span>4<span class=\"__14 _1106\"> </span>3<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _9b_6\"> </span>1<span class=\"__14 _da_6\"> </span>0<span class=\"__14 _1106\"> </span>0<span class=\"__14 _14f_2\"> </span>2 813<span class=\"__14 _1ce\"> </span>Naturresurser<span class=\"__14 _11f_7\"> </span>26<span class=\"__14 _4c_6\"> </span>87<span class=\"__14 _1136\"> </span>39<span class=\"__14 _1118\"> </span>129<span class=\"__14 _1130\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _da_6\"> </span></span>2<span class=\"__14 _aa_6\"> </span>4<span class=\"__14 _1129\"> </span>18<span class=\"__14 _4c_6\"> </span>46<span class=\"__14 _a4_6\"> </span>2 996      <span class=\"__14 _1067\"/>Pappers- och skogsproduk<span class=\"__14 _1058\"/>ter<span class=\"__14 _4a_6\"> </span>2<span class=\"__14 _1130\"> </span>10<span class=\"__14 _1147\"> </span>22<span class=\"__14 _1118\"> </span>107<span class=\"__14 _fc_7\"> </span>18<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _aa_6\"> </span>3<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _4c_6\"> </span><span class=\"ls21_7 ws47_3\">64<span class=\"__14 _1111\"> </span></span></span>2 039      <span class=\"__14 _1067\"/>Gruvdrift och kringverksamhet<span class=\"__14 _1083\"> </span><span class=\"ls14_11 ws3a_5\">-1<span class=\"__14 _1120\"> </span><span class=\"ls16_11 ws3c_5\">-24<span class=\"__14 _1156\"> </span></span></span>3<span class=\"__14 _fc_7\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _1106\"> </span></span>2<span class=\"__14 _1106\"> </span>0<span class=\"__14 _1155\"> </span>1<span class=\"__14 _1156\"> </span>1<span class=\"__14 _a1_6\"> </span>33<span class=\"__14 _a3_6\"> </span>413      <span class=\"__14 _1067\"/><span class=\"__14 _1ce\">Olje-, gas- och offshore-<span class=\"__14 _1ce\"> </span></span>verksamhet<span class=\"__14 _1207\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1154\"> </span></span>460<span class=\"__14 _1147\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1118\"> </span></span>255<span class=\"__14 _1106\"> </span>4<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _b7_7\"> </span>0<span class=\"__14 _b0_6\"> </span>3<span class=\"__14 _1129\"> </span>21<span class=\"__14 _a7_7\"> </span>544<span class=\"__14 _1ce\"> </span>Konsument dagligv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _b5_7\"> </span><span class=\"ls16_11 ws3c_5\">-26<span class=\"__14 _a5_7\"> </span><span class=\"ls14_11 ws3a_5\">-51<span class=\"__14 _1136\"> </span></span></span>87<span class=\"__14 _1121\"> </span>168<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">51<span class=\"__14 _1106\"> </span></span>8<span class=\"__14 _b7_7\"> </span>8<span class=\"__14 _fc_7\"> </span>35<span class=\"__14 _4c_6\"> </span>40<span class=\"__14 _1132\"> </span>5 119     Livsmedel och drycker<span class=\"__14 _9b_6\"> </span><span class=\"ls14_11 ws3a_5\">-13<span class=\"__14 _6a_6\"> </span><span class=\"ls23_6 ws49_3\">-71<span class=\"__14 _1147\"> </span><span class=\"ls1a_9 ws40_5\">52<span class=\"__14 _1118\"> </span></span></span></span>281<span class=\"__14 _fc_7\"> </span>22<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _aa_6\"> </span>3<span class=\"__14 _1147\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1130\"> </span></span>33<span class=\"__14 _14f_2\"> </span>1 829      <span class=\"__14 _1067\"/>Hush\u00e5lls- och hygienproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1088\"> </span><span class=\"ls14_11 ws3a_5\">-1<span class=\"__14 _a6_7\"> </span>-16<span class=\"__14 _1147\"> </span></span>10<span class=\"__14 _1118\"> </span>159<span class=\"__14 _1106\"> </span>8<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _9b_6\"> </span>1<span class=\"__14 _b0_6\"> </span>5<span class=\"__14 _a1_6\"> </span>50<span class=\"__14 _a2_6\"> </span>619     H\u00e4lsov\u00e5rd<span class=\"__14 _1208\"> </span><span class=\"ls14_11 ws3a_5\">-12<span class=\"__14 _5f_6\"> </span></span>-45<span class=\"__14 _1147\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _4c_6\"> </span></span>93<span class=\"__14 _1104\"> </span>21<span class=\"__14 _1106\"> </span>4<span class=\"__14 _b7_7\"> </span>4<span class=\"__14 _1136\"> </span>13<span class=\"__14 _1130\"> </span><span class=\"ls1a_9 ws40_5\">52<span class=\"__14 _7e_6\"> </span></span>2 671<span class=\"__14 _1ce\"> </span>Konsument s\u00e4llank<span class=\"__14 _b_13\"/>\u00f6p  och tj\u00e4nster<span class=\"__14 _1172\"> </span>-31<span class=\"__14 _7b_6\"> </span><span class=\"ls16_11 ws3c_5\">-27<span class=\"__14 _1113\"> </span></span>287<span class=\"__14 _1121\"> </span><span class=\"ls16_11 ws3c_5\">243<span class=\"__14 _1121\"> </span>24<span class=\"__14 _1072\"/>9<span class=\"__14 _1104\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1104\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _1120\"> </span></span></span></span>187<span class=\"__14 _a1_6\"> </span>65<span class=\"__14 _aa_6\"> </span>11 540     Konsumentk<span class=\"__14 _1058\"/>apitalvar<span class=\"__14 _b_13\"/>or<span class=\"__14 _8d_6\"> </span><span class=\"ls14_11 ws3a_5\">-1<span class=\"__14 _1072\"/>2<span class=\"__14 _1118\"> </span></span>-<span class=\"__14 _1072\"/>46<span class=\"__14 _1104\"> </span>44<span class=\"__14 _1118\"> </span>168<span class=\"__14 _1130\"> </span>32<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _b7_7\"> </span>6<span class=\"__14 _1104\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1130\"> </span></span>55<span class=\"__14 _1111\"> </span>2 586     Media och underh\u00e5llning<span class=\"__14 _1104\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _7c_6\"> </span><span class=\"ls14_11 ws3a_5\">-11<span class=\"__14 _1136\"> </span></span></span>20<span class=\"__14 _1121\"> </span>104<span class=\"__14 _fc_7\"> </span>19<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _b7_7\"> </span>6<span class=\"__14 _1148\"> </span>11<span class=\"__14 _a1_6\"> </span>55<span class=\"__14 _9a_6\"> </span>1 899     Detaljhandel<span class=\"__14 _1103\"> </span><span class=\"ls14_11 ws3a_5\">-18<span class=\"__14 _5f_6\"> </span></span>-40<span class=\"__14 _7b_6\"> </span>180<span class=\"__14 _1118\"> </span>391<span class=\"__14 _1118\"> </span><span class=\"ls14_11 ws3a_5\">146<span class=\"__14 _1106\"> </span></span>8<span class=\"__14 _1129\"> </span>20<span class=\"__14 _a6_7\"> </span>118<span class=\"__14 _4c_6\"> </span>66<span class=\"__14 _a4_6\"> </span>4 462     Flygre<span class=\"__14 _1058\"/>sor<span class=\"__14 _1209\"> </span>-6<span class=\"__14 _1149\"> </span><span class=\"ls14_11 ws3a_5\">-451<span class=\"__14 _1148\"> </span></span>12<span class=\"__14 _8c_6\"> </span>839<span class=\"__14 _fc_7\"> </span>10<span class=\"__14 _1106\"> </span>0<span class=\"__14 _aa_6\"> </span>2<span class=\"__14 _b0_6\"> </span>8<span class=\"__14 _a1_6\"> </span>67<span class=\"__14 _1093\"> </span>133     Logi och fritid<span class=\"__14 _1210\"> </span>4<span class=\"__14 _1130\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1136\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1118\"> </span><span class=\"ls14_11 ws3a_5\">146<span class=\"__14 _a1_6\"> </span></span></span></span>36<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1147\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _fc_7\"> </span></span>20<span class=\"__14 _7c_6\"> </span>80<span class=\"__14 _7e_6\"> </span>1 673     <span class=\"__14 _1058\"/>T<span class=\"__14 _1c_10\"/>elekomtj\u00e4nster<span class=\"__14 _1125\"> </span>3<span class=\"__14 _4c_6\"> </span>38<span class=\"__14 _b7_7\"> </span>6<span class=\"__14 _1130\"> </span><span class=\"ls14_11 ws3a_5\">76<span class=\"__14 _1106\"> </span></span>6<span class=\"__14 _1106\"> </span>0<span class=\"__14 _b7_7\"> </span>0<span class=\"__14 _da_6\"> </span>6<span class=\"__14 _1118\"> </span>100<span class=\"__14 _1105\"> </span>787<span class=\"__14 _1ce\"> </span>Industri<span class=\"__14 _1176\"> </span>-52<span class=\"__14 _1113\"> </span><span class=\"ls14_11 ws3a_5\">-15<span class=\"__14 _7b_6\"> </span></span>542<span class=\"__14 _1120\"> </span><span class=\"ls14_11 ws3a_5\">1<span class=\"__14 _1072\"/>57<span class=\"__14 _8c_6\"> </span></span>446<span class=\"__14 _a1_6\"> </span>53<span class=\"__14 _7b_6\"> </span>100<span class=\"__14 _1118\"> </span>293<span class=\"__14 _a1_6\"> </span>54<span class=\"__14 _8d_6\"> </span>34 086     R\u00e5v<span class=\"__14 _1058\"/>aror<span class=\"__14 _1184\"> </span>7<span class=\"__14 _fc_7\"> </span>27<span class=\"__14 _1136\"> </span>39<span class=\"__14 _1121\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>9<span class=\"__14 _1129\"> </span></span>21<span class=\"__14 _1106\"> </span>4<span class=\"__14 _b7_7\"> </span>4<span class=\"__14 _1136\"> </span>13<span class=\"__14 _a1_6\"> </span>33<span class=\"__14 _9a_6\"> </span>2 590     Kapitalv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _1207\"> </span>11<span class=\"__14 _a1_6\"> </span>29<span class=\"__14 _1148\"> </span>71<span class=\"__14 _1118\"> </span>183<span class=\"__14 _1130\"> </span>55<span class=\"__14 _da_6\"> </span>5<span class=\"__14 _8d_6\"> </span>11<span class=\"__14 _1130\"> </span>39<span class=\"__14 _1130\"> </span>55<span class=\"__14 _9a_6\"> </span>3 822     Producenttj\u00e4ns<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1211\"> </span>2<span class=\"__14 _1106\"> </span>3<span class=\"__14 _1129\"> </span>44<span class=\"__14 _4c_6\"> </span>68<span class=\"__14 _4c_6\"> </span>45<span class=\"__14 _fc_7\"> </span>10<span class=\"__14 _1148\"> </span>15<span class=\"__14 _1130\"> </span>20<span class=\"__14 _a1_6\"> </span>45<span class=\"__14 _1111\"> </span>6 383     Byggindustri<span class=\"__14 _1103\"> </span>-37<span class=\"__14 _7b_6\"> </span>-41<span class=\"__14 _a6_7\"> </span>164<span class=\"__14 _1121\"> </span>180<span class=\"__14 _5f_6\"> </span>155<span class=\"__14 _1104\"> </span>15<span class=\"__14 _1129\"> </span>34<span class=\"__14 _5f_6\"> </span>106<span class=\"__14 _a1_6\"> </span>65<span class=\"__14 _1111\"> </span><span class=\"ls14_11 ws3a_5\">8 976</span>     Partihandel<span class=\"__14 _2c_8\"> </span>-9<span class=\"__14 _1113\"> </span><span class=\"ls14_11 ws3a_5\">-12<span class=\"__14 _1129\"> </span><span class=\"ls21_7 ws47_3\">64<span class=\"__14 _4c_6\"> </span></span></span>85<span class=\"__14 _fc_7\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _9c_7\"> </span></span>8<span class=\"__14 _1136\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1130\"> </span></span>40<span class=\"__14 _4c_6\"> </span>63<span class=\"__14 _1111\"> </span>7 489     Marktransport<span class=\"__14 _1212\"> </span><span class=\"ls14_11 ws3a_5\">-17<span class=\"__14 _a6_7\"> </span></span>-61<span class=\"__14 _1104\"> </span>94<span class=\"__14 _5f_6\"> </span>327<span class=\"__14 _a1_6\"> </span>67<span class=\"__14 _1106\"> </span>6<span class=\"__14 _b7_7\"> </span>6<span class=\"__14 _1104\"> </span>55<span class=\"__14 _a1_6\"> </span>59<span class=\"__14 _1111\"> </span>2 805     IT<span class=\"__14 _b_13\"/>-tj\u00e4nster<span class=\"__14 _b2_7\"> </span>-9<span class=\"__14 _5f_6\"> </span>-<span class=\"__14 _1072\"/>45<span class=\"__14 _1104\"> </span>66<span class=\"__14 _1118\"> </span>322<span class=\"__14 _1104\"> </span>31<span class=\"__14 _da_6\"> </span>5<span class=\"__14 _b7_7\"> </span>6<span class=\"__14 _fc_7\"> </span>20<span class=\"__14 _a1_6\"> </span>30<span class=\"__14 _7e_6\"> </span>2 021<span class=\"__14 _1ce\"> </span>Sj\u00f6fart<span class=\"__14 _1173\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _4c_6\"> </span></span>39<span class=\"__14 _1129\"> </span>66<span class=\"__14 _1113\"> </span>111<span class=\"__14 _1130\"> </span>55<span class=\"__14 _fc_7\"> </span>19<span class=\"__14 _1156\"> </span>5<span class=\"__14 _1136\"> </span>31<span class=\"__14 _a1_6\"> </span>47<span class=\"__14 _1111\"> </span>5 892     V<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>vsindustri<span class=\"__14 _1207\"> </span>1<span class=\"__14 _fc_7\"> </span>81<span class=\"__14 _1156\"> </span>3<span class=\"__14 _1121\"> </span>234<span class=\"__14 _1106\"> </span>4<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _b7_7\"> </span>0<span class=\"__14 _b0_6\"> </span>3<span class=\"__14 _1118\"> </span>100<span class=\"__14 _a3_6\"> </span><span class=\"ls16_11 ws3c_5\">124</span>     Sj\u00f6transport<span class=\"__14 _1213\"> </span>22<span class=\"__14 _7c_6\"> </span>40<span class=\"__14 _1136\"> </span>63<span class=\"__14 _1120\"> </span><span class=\"ls14_11 ws3a_5\">114<span class=\"__14 _a1_6\"> </span></span>50<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1156\"> </span></span>5<span class=\"__14 _fc_7\"> </span>28<span class=\"__14 _4c_6\"> </span>44<span class=\"__14 _1111\"> </span>5 482     Sj\u00f6fartstj\u00e4ns<span class=\"__14 _1058\"/>ter<span class=\"__14 _1214\"> </span>0<span class=\"__14 _1106\"> </span>0<span class=\"__14 _1ce\"> </span>0<span class=\"__14 _1106\"> </span>0<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _b7_7\"> </span>0<span class=\"__14 _da_6\"> </span>0<span class=\"__14 _1106\"> </span>0<span class=\"__14 _6c_6\"> </span>286<span class=\"__14 _1ce\"> </span>Samh\u00e4llsnyttiga tj\u00e4nster<span class=\"__14 _a2_6\"> </span>8<span class=\"__14 _1136\"> </span>11<span class=\"__14 _1147\"> </span>16<span class=\"__14 _1130\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _fc_7\"> </span></span>16<span class=\"__14 _1106\"> </span>5<span class=\"__14 _aa_6\"> </span>4<span class=\"__14 _b7_7\"> </span>7<span class=\"__14 _4c_6\"> </span>44<span class=\"__14 _7e_6\"> </span>7 013     El, vatten och gas<span class=\"__14 _1211\"> </span>8<span class=\"__14 _1130\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _aa_6\"> </span></span>6<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _b0_6\"> </span></span>7<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1156\"> </span>2<span class=\"__14 _b0_6\"> </span>3<span class=\"__14 _a1_6\"> </span>50<span class=\"__14 _a4_6\"> </span>3 490     Kraftproduk<span class=\"__14 _b_13\"/>tion<span class=\"__14 _1215\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1147\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _9b_6\"> </span></span></span>1<span class=\"__14 _da_6\"> </span>3<span class=\"__14 _1106\"> </span>3<span class=\"__14 _b0_6\"> </span>2<span class=\"__14 _b7_7\"> </span>0<span class=\"__14 _aa_6\"> </span>1<span class=\"__14 _1121\"> </span>100<span class=\"__14 _1132\"> </span>2 971     Allm\u00e4nnyttiga f<span class=\"__14 _b_13\"/>\u00f6retag<span class=\"__14 _a7_7\"> </span>2<span class=\"__14 _a1_6\"> </span>36<span class=\"__14 _1156\"> </span>9<span class=\"__14 _1120\"> </span>161<span class=\"__14 _1106\"> </span>6<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _1156\"> </span>2<span class=\"__14 _b0_6\"> </span>3<span class=\"__14 _1130\"> </span>33<span class=\"__14 _a2_6\"> </span>552<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _b_13\"/>astighetsbolag<span class=\"__14 _1114\"> </span>32<span class=\"__14 _1106\"> </span>9<span class=\"__14 _1113\"> </span><span class=\"ls14_11 ws3a_5\">145<span class=\"__14 _a1_6\"> </span></span>39<span class=\"__14 _5f_6\"> </span>126<span class=\"__14 _1130\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1136\"> </span></span>18<span class=\"__14 _1130\"> </span>85<span class=\"__14 _a1_6\"> </span>59<span class=\"__14 _1106\"> </span>37 089<span class=\"__14 _1ce\"> </span>\u00d6vriga branscher<span class=\"__14 _1214\"> </span>-3<span class=\"__14 _1154\"> </span>-112<span class=\"__14 _1156\"> </span>7<span class=\"__14 _1121\"> </span>239<span class=\"__14 _1130\"> </span>26<span class=\"__14 _1106\"> </span>4<span class=\"__14 _1104\"> </span>20<span class=\"__14 _b7_7\"> </span>2<span class=\"__14 _a1_6\"> </span>29<span class=\"__14 _a2_6\"> </span>267<span class=\"__14 _1ce\"> </span>Summa f\u00f6retagsk<span class=\"__14 _b_13\"/>under<span class=\"__14 _14f_2\"> </span><span class=\"ls22_6 ws48_3\">-75<span class=\"__14 _1129\"> </span></span>-6<span class=\"__14 _4e_6\"> </span>1 358<span class=\"__14 _1121\"> </span>109<span class=\"__14 _3f_8\"> </span>1 118<span class=\"__14 _1118\"> </span><span class=\"ls14_11 ws3a_5\">143<span class=\"__14 _7b_6\"> </span></span>232<span class=\"__14 _5f_6\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _1072\"/>3<span class=\"__14 _fc_7\"> </span></span>55<span class=\"__14 _1104\"> </span>12<span class=\"__14 _1072\"/>3 140   Bol\u00e5n<span class=\"__14 _1216\"> </span><span class=\"ls16_11 ws3c_5\">-29<span class=\"__14 _1147\"> </span>-2<span class=\"__14 _1120\"> </span></span>435<span class=\"__14 _a1_6\"> </span>36<span class=\"__14 _1118\"> </span><span class=\"ls14_11 ws3a_5\">146<span class=\"__14 _1104\"> </span></span>15<span class=\"__14 _1129\"> </span>45<span class=\"__14 _1130\"> </span>86<span class=\"__14 _4c_6\"> </span>20<span class=\"__14 _1136\"> </span>120 941   L\u00e5n mot s\u00e4kerhet<span class=\"__14 _15a_1\"> </span>46<span class=\"__14 _1130\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _5f_6\"> </span></span>264<span class=\"__14 _1118\"> </span>130<span class=\"__14 _1121\"> </span>203<span class=\"__14 _4c_6\"> </span>38<span class=\"__14 _1129\"> </span>50<span class=\"__14 _1113\"> </span>115<span class=\"__14 _4c_6\"> </span>44<span class=\"__14 _1106\"> </span>20 092   L\u00e5n utan s\u00e4kerhet<span class=\"__14 _15b_1\"> </span>-62<span class=\"__14 _1096\"> </span>-109<span class=\"__14 _a6_7\"> </span><span class=\"ls14_11 ws3a_5\">146<span class=\"__14 _1121\"> </span></span>250<span class=\"__14 _1120\"> </span><span class=\"ls1f_7 ws45_4\">1<span class=\"__14 _1066\"/>74<span class=\"__14 _1104\"> </span></span>19<span class=\"__14 _1147\"> </span>81<span class=\"__14 _1104\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _1136\"> </span><span class=\"ls14_11 ws3a_5\">51<span class=\"__14 _14f_2\"> </span></span></span>5 677<span class=\"__14 _1ce\"> </span>Privatkunder<span class=\"__14 _1207\"> </span>-45<span class=\"__14 _1129\"> </span>-3<span class=\"__14 _1118\"> </span>845<span class=\"__14 _fc_7\"> </span><span class=\"ls14_11 ws3a_5\">57<span class=\"__14 _1121\"> </span><span class=\"ls1a_9 ws40_5\">523<span class=\"__14 _1130\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _7b_6\"> </span></span></span>176<span class=\"__14 _1120\"> </span></span>275<span class=\"__14 _a1_6\"> </span>33<span class=\"__14 _1104\"> </span>146 710<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Offen</span><span class=\"__14 _1058\"/>tlig sektor<span class=\"__14 _1213\"> </span>8<span class=\"__14 _fc_7\"> </span>15<span class=\"__14 _1136\"> </span>39<span class=\"__14 _1130\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _b0_6\"> </span></span>3<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _b7_7\"> </span>0<span class=\"__14 _b0_6\"> </span>2<span class=\"__14 _da_6\"> </span>5<span class=\"__14 _1111\"> </span>5 266<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till allm\u00e4nheten <span class=\"__14 _7c_6\"> </span>-112<span class=\"__14 _fc_7\"> </span><span class=\"ls1b_8 ws41_5\">-4<span class=\"__14 _5a_6\"> </span><span class=\"ls16_11 ws3c_5\">2 24<span class=\"__14 _1072\"/>2<span class=\"__14 _fc_7\"> </span></span></span>81<span class=\"__14 _3d_8\"> </span>1 644<span class=\"__14 _1118\"> </span>216<span class=\"__14 _1121\"> </span>408<span class=\"__14 _a0_6\"> </span>1 020<span class=\"__14 _4c_6\"> </span>45<span class=\"__14 _1136\"> </span>275 116<span class=\"__14 _1ce\"> </span>1)   <span class=\"__14 _1069\"/>Inklusive reserveringar f<span class=\"__14 _b_13\"/>\u00f6r exponeringar utanf\u00f6r balansr\u00e4kningen.<span class=\"__14 _1ce\"> </span>2)   <span class=\"__14 _1069\"/>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar f\u00f6r kategori 3 dividera<span class=\"__14 _b_13\"/>t med exponeringar i kategori 3<div class=\"t_14 m0_14 h1_14 ff1_14 fs0_14 fc0_14 sc0_14 ls0_14 ws0_14\" style=\"left:656.0268px; bottom:2.1012287px;\">215<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc0_14 sc0_14 ls0_14 ws1_14\" style=\"left:497.5244px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h3_13 ff2_14 fs1_13 fc0_14 sc0_14 ls1_14 ws2_13\" style=\"left:4.2144775px; bottom:1029.1447px;\">Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span></div><div class=\"t_14 m0_14 ha_13 ff3_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:986.27924px;\">K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h5_13 ff1_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:951.6515px;\">Utl\u00e5ning till allm\u00e4nheten, v\u00e4rder<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ad till upplupet anskaffningsv\u00e4rde<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:905.8675px;\">31 dec 2021, mn euro<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:142.08936px; bottom:925.3675px;\">Kredit-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:134.74176px; bottom:915.6175px;\">f\u00f6rlust<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>, </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:145.19038px; bottom:905.8675px;\"><span class=\"__14 _1ce\">netto1<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:189.99695px; bottom:925.3675px;\">Kredit-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:181.0037px; bottom:915.6175px;\">f\u00f6rlustr<span class=\"__14 _1058\"/>e-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:178.73817px; bottom:905.8675px;\">lation, pkt<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:237.36298px; bottom:935.1175px;\">Os\u00e4kra </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:229.55075px; bottom:925.3675px;\">l\u00e5neford-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:240.7248px; bottom:915.6175px;\">ringar </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:226.37277px; bottom:905.8675px;\">kategori 3<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:289.2894px; bottom:935.1175px;\">Andel </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:286.25px; bottom:925.3675px;\">os\u00e4kra </div><div class=\"t_14 m1_9 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:273.66925px; bottom:915.6175px;\">fordringar<span class=\"__14 _b_13\"/>,<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls26_6 ws4c_3\" style=\"left:299.1954px; bottom:905.8675px;\">pkt<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:331.1286px; bottom:925.3675px;\">Summa </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:915.6175px;\">avs\u00e4<span class=\"__14 _1058\"/>tt- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:335.72372px; bottom:905.8675px;\">ningar<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:381.01193px; bottom:925.3675px;\">A<span class=\"__14 _b_13\"/>vs\u00e4tt- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:383.90717px; bottom:915.6175px;\">ningar <span class=\"__14 _1069\"/> </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:371.17615px; bottom:905.8675px;\">kategori 1<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:428.91953px; bottom:925.3675px;\">A<span class=\"__14 _b_13\"/>vs\u00e4tt- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:431.39993px; bottom:915.6175px;\">ningar <span class=\"__14 _1069\"/> </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:418.18674px; bottom:905.8675px;\"><span class=\"__14 _1ce\">kategori 2<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:476.87366px; bottom:925.3675px;\">A<span class=\"__14 _b_13\"/>vs\u00e4tt- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:479.65375px; bottom:915.6175px;\">ningar <span class=\"__14 _1069\"/> </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:466.1778px; bottom:905.8675px;\"><span class=\"__14 _1ce\">kategori 3<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:531.2711px; bottom:925.3675px;\">T<span class=\"__14 _1058\"/>\u00e4ck-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:528.0999px; bottom:915.6175px;\">nings-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:520.51495px; bottom:905.8675px;\">grad, %<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h10_10 ff1_14 fs9_12 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:547.90686px; bottom:907.81744px;\">2<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:576.9144px; bottom:935.1175px;\">Utl\u00e5ning till </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:576.9144px; bottom:925.3675px;\">v\u00e4rderad till </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:573.069px; bottom:915.6175px;\">upplupet an-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:562.33215px; bottom:905.8675px;\"><span class=\"__14 _1ce\">skaffningsv\u00e4r</span><span class=\"__14 _1058\"/>de<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:888.72424px;\">Finansinstitut<span class=\"__14 _15c_1\"> </span>29<span class=\"__14 _1130\"> </span>22<span class=\"__14 _a1_6\"> </span>59<span class=\"__14 _a1_6\"> </span>45<span class=\"__14 _a1_6\"> </span>38<span class=\"__14 _1106\"> </span>6<span class=\"__14 _1106\"> </span>8<span class=\"__14 _a1_6\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1104\"> </span></span>41<span class=\"__14 _1155\"> </span>13 179<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:871.57983px;\">Jordbruk<span class=\"__14 _1216\"> </span>16<span class=\"__14 _1130\"> </span>37<span class=\"__14 _5f_6\"> </span>136<span class=\"__14 _5f_6\"> </span>312<span class=\"__14 _4c_6\"> </span>99<span class=\"__14 _1106\"> </span>5<span class=\"__14 _1129\"> </span>12<span class=\"__14 _a1_6\"> </span>82<span class=\"__14 _7c_6\"> </span>60<span class=\"__14 _9a_6\"> </span>4 365</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:855.17255px;\">     Gr\u00f6dor<span class=\"__14 _b_13\"/>, odling och jakt<span class=\"__14 _a7_7\"> </span>2<span class=\"__14 _fc_7\"> </span>19<span class=\"__14 _1130\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1121\"> </span></span>238<span class=\"__14 _1130\"> </span>22<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>5<span class=\"__14 _1129\"> </span>15<span class=\"__14 _7c_6\"> </span>60<span class=\"__14 _7e_6\"> </span>1 052</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:838.76526px;\">     Djurh\u00e5llning<span class=\"__14 _15d_1\"> </span>8<span class=\"__14 _4c_6\"> </span>99<span class=\"__14 _1121\"> </span>109<span class=\"__14 _3f_8\"> </span>1 352<span class=\"__14 _fc_7\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _b7_7\"> </span></span>1<span class=\"__14 _b0_6\"> </span>7<span class=\"__14 _4c_6\"> </span>66<span class=\"__14 _fc_7\"> </span>61<span class=\"__14 _1153\"> </span>806</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:822.3579px;\">     Fiske och vatt<span class=\"__14 _1058\"/>enbruk<span class=\"__14 _b8_6\"> </span>6<span class=\"__14 _1130\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _da_6\"> </span></span>2<span class=\"__14 _1106\"> </span>8<span class=\"__14 _1106\"> </span>3<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>0<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _a1_6\"> </span>50<span class=\"__14 _14f_2\"> </span>2 507<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:805.9506px;\">Naturresurser<span class=\"__14 _11f_7\"> </span><span class=\"ls14_11 ws3a_5\">-15<span class=\"__14 _5f_6\"> </span></span>-50<span class=\"__14 _1118\"> </span><span class=\"ls14_11 ws3a_5\">575<span class=\"__14 _1117\"> </span></span>1 909<span class=\"__14 _1121\"> </span>353<span class=\"__14 _1106\"> </span>4<span class=\"__14 _1106\"> </span>4<span class=\"__14 _8c_6\"> </span>345<span class=\"__14 _4c_6\"> </span>60<span class=\"__14 _7e_6\"> </span>3 012</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:789.54333px;\">      <span class=\"__14 _1067\"/>Pappers- och </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:16.311111px; bottom:778.4959px;\">skogsproduk<span class=\"__14 _1058\"/>ter<span class=\"__14 _2f_8\"> </span>8<span class=\"__14 _fc_7\"> </span>41<span class=\"__14 _1130\"> </span>32<span class=\"__14 _1118\"> </span>165<span class=\"__14 _fc_7\"> </span>22<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>4<span class=\"__14 _fc_7\"> </span>16<span class=\"__14 _a1_6\"> </span>50<span class=\"__14 _14f_2\"> </span>1 942</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:762.0886px;\">      <span class=\"__14 _1067\"/>Gruvdrift och </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:16.311111px; bottom:751.04126px;\">kringverksamhet<span class=\"__14 _1165\"> </span>2<span class=\"__14 _4c_6\"> </span>56<span class=\"__14 _da_6\"> </span>3<span class=\"__14 _4c_6\"> </span>84<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _1106\"> </span>0<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _a1_6\"> </span>33<span class=\"__14 _1105\"> </span>356</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:734.6339px;\">      <span class=\"__14 _1067\"/><span class=\"__14 _1ce\">Olje-, gas- och offshore-<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:16.311111px; bottom:723.58655px;\">verksamhet<span class=\"__14 _1085\"> </span><span class=\"ls16_11 ws3c_5\">-25<span class=\"__14 _1098\"> </span></span>-350<span class=\"__14 _8c_6\"> </span>540<span class=\"__14 _1117\"> </span>7 563<span class=\"__14 _1121\"> </span>329<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _9c_7\"> </span>0<span class=\"__14 _1121\"> </span>328<span class=\"__14 _fc_7\"> </span>61<span class=\"__14 _1093\"> </span><span class=\"ls14_11 ws3a_5\">714<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:707.17926px;\">Konsument dagligv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _1090\"> </span>13<span class=\"__14 _4c_6\"> </span>30<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1130\"> </span></span>39<span class=\"__14 _1130\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _9c_7\"> </span></span>4<span class=\"__14 _1136\"> </span>11<span class=\"__14 _fc_7\"> </span>10<span class=\"__14 _a1_6\"> </span>59<span class=\"__14 _9a_6\"> </span>4 37<span class=\"__14 _1072\"/>3</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:690.7719px;\">     Livsmedel och drycker<span class=\"__14 _a7_7\"> </span>4<span class=\"__14 _1130\"> </span>33<span class=\"__14 _1106\"> </span>5<span class=\"__14 _a1_6\"> </span><span class=\"ls24_6 ws4a_3\">42<span class=\"__14 _1106\"> </span></span>9<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>3<span class=\"__14 _1106\"> </span>4<span class=\"__14 _7c_6\"> </span>80<span class=\"__14 _7e_6\"> </span>1 203</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:674.3646px;\">      <span class=\"__14 _1067\"/>Hush\u00e5lls- och </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:15.124992px; bottom:663.31726px;\">hygienproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _15e_1\"> </span>1<span class=\"__14 _fc_7\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _fc_7\"> </span></span>10<span class=\"__14 _1118\"> </span>138<span class=\"__14 _1106\"> </span>6<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _1106\"> </span>4<span class=\"__14 _7c_6\"> </span>40<span class=\"__14 _a2_6\"> </span><span class=\"ls1b_8 ws41_5\">7<span class=\"__14 _1072\"/>23</span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:646.9099px;\">     H\u00e4lsov\u00e5rd<span class=\"__14 _1166\"> </span>8<span class=\"__14 _a1_6\"> </span>33<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>8<span class=\"__14 _1130\"> </span>10<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _da_6\"> </span>7<span class=\"__14 _b0_6\"> </span>2<span class=\"__14 _1121\"> </span>100<span class=\"__14 _9a_6\"> </span>2 447<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:630.5026px;\">Konsument s\u00e4llank<span class=\"__14 _b_13\"/>\u00f6p  </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:619.45526px;\">och tj\u00e4nster<span class=\"__14 _15f\"> </span>-81<span class=\"__14 _a6_7\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _1072\"/>7<span class=\"__14 _1118\"> </span></span>263<span class=\"__14 _5f_6\"> </span><span class=\"ls14_11 ws3a_5\">251<span class=\"__14 _1118\"> </span></span>232<span class=\"__14 _1136\"> </span>11<span class=\"__14 _1130\"> </span>55<span class=\"__14 _1121\"> </span>166<span class=\"__14 _a1_6\"> </span>63<span class=\"__14 _b0_6\"> </span>10 482</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:603.0479px;\">     Konsumentk<span class=\"__14 _1058\"/>apitalvar<span class=\"__14 _b_13\"/>or<span class=\"__14 _1101\"> </span>6<span class=\"__14 _a1_6\"> </span>26<span class=\"__14 _a1_6\"> </span>30<span class=\"__14 _1118\"> </span>130<span class=\"__14 _1129\"> </span>21<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>6<span class=\"__14 _fc_7\"> </span>13<span class=\"__14 _a1_6\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _7e_6\"> </span></span>2 301</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:586.6406px;\">     Media och underh\u00e5llning<span class=\"__14 _b7_7\"> </span>6<span class=\"__14 _a1_6\"> </span>39<span class=\"__14 _fc_7\"> </span>18<span class=\"__14 _1120\"> </span>118<span class=\"__14 _fc_7\"> </span>19<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _9c_7\"> </span>8<span class=\"__14 _fc_7\"> </span>10<span class=\"__14 _a1_6\"> </span>56<span class=\"__14 _7e_6\"> </span>1 520</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:570.23334px;\">     Detaljhandel<span class=\"__14 _1217\"> </span><span class=\"ls1f_7 ws45_4\">-74<span class=\"__14 _1154\"> </span></span>-181<span class=\"__14 _5f_6\"> </span><span class=\"ls14_11 ws3a_5\">178<span class=\"__14 _1121\"> </span></span>435<span class=\"__14 _1121\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>0<span class=\"__14 _da_6\"> </span></span>5<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1120\"> </span></span>118<span class=\"__14 _4c_6\"> </span>66<span class=\"__14 _1102\"> </span>4 090</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:553.82605px;\">     Flygre<span class=\"__14 _1058\"/>sor<span class=\"__14 _1218\"> </span>6<span class=\"__14 _7b_6\"> </span>311<span class=\"__14 _da_6\"> </span>5<span class=\"__14 _1121\"> </span>259<span class=\"__14 _1106\"> </span>5<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _7c_6\"> </span>40<span class=\"__14 _a3_6\"> </span>193</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:537.41876px;\">     Logi och fritid<span class=\"__14 _2f_8\"> </span><span class=\"ls16_11 ws3c_5\">-25<span class=\"__14 _8f_6\"> </span><span class=\"ls14_11 ws3a_5\">-145<span class=\"__14 _1130\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1118\"> </span></span>14<span class=\"__14 _1072\"/>5<span class=\"__14 _4c_6\"> </span></span></span>40<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1130\"> </span>22<span class=\"__14 _fc_7\"> </span>16<span class=\"__14 _4c_6\"> </span><span class=\"ls21_7 ws47_3\">64<span class=\"__14 _7e_6\"> </span></span>1 726</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:521.0114px;\">     <span class=\"__14 _1058\"/>T<span class=\"__14 _1c_10\"/>elekomtj\u00e4nster<span class=\"__14 _4a_6\"> </span>0<span class=\"__14 _1106\"> </span>0<span class=\"__14 _da_6\"> </span>7<span class=\"__14 _5f_6\"> </span>107<span class=\"__14 _da_6\"> </span>7<span class=\"__14 _1106\"> </span>0<span class=\"__14 _9c_7\"> </span>0<span class=\"__14 _b0_6\"> </span>7<span class=\"__14 _1121\"> </span>100<span class=\"__14 _1105\"> </span>652<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:504.60413px;\">Industri<span class=\"__14 _12f_4\"> </span>32<span class=\"__14 _1136\"> </span>11<span class=\"__14 _8c_6\"> </span>682<span class=\"__14 _1121\"> </span>228<span class=\"__14 _1154\"> </span>460<span class=\"__14 _fc_7\"> </span>41<span class=\"__14 _a1_6\"> </span>95<span class=\"__14 _1121\"> </span><span class=\"ls16_11 ws3c_5\">3<span class=\"__14 _1072\"/>24<span class=\"__14 _4c_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _da_6\"> </span></span></span>29 901</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:488.19684px;\">     R\u00e5v<span class=\"__14 _1058\"/>aror<span class=\"__14 _1160\"> </span>35<span class=\"__14 _1121\"> </span>184<span class=\"__14 _a1_6\"> </span>59<span class=\"__14 _7b_6\"> </span>311<span class=\"__14 _a1_6\"> </span>38<span class=\"__14 _da_6\"> </span>3<span class=\"__14 _1106\"> </span>5<span class=\"__14 _a1_6\"> </span>30<span class=\"__14 _1104\"> </span><span class=\"ls14_11 ws3a_5\">51<span class=\"__14 _9a_6\"> </span></span>1 899</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:471.78955px;\">     Kapitalv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _11f_7\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _a6_7\"> </span><span class=\"ls14_11 ws3a_5\">-19<span class=\"__14 _5f_6\"> </span><span class=\"ls16_11 ws3c_5\">1<span class=\"__14 _1072\"/>24<span class=\"__14 _1121\"> </span></span></span></span>343<span class=\"__14 _fc_7\"> </span><span class=\"ls1b_8 ws41_5\">77<span class=\"__14 _1106\"> </span></span>3<span class=\"__14 _fc_7\"> </span>16<span class=\"__14 _a1_6\"> </span>58<span class=\"__14 _1130\"> </span>47<span class=\"__14 _14f_2\"> </span>3 610</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:455.38223px;\">     Producenttj\u00e4ns<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1219\"> </span>18<span class=\"__14 _1130\"> </span>35<span class=\"__14 _7c_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _4c_6\"> </span></span>94<span class=\"__14 _7c_6\"> </span>49<span class=\"__14 _b0_6\"> </span>7<span class=\"__14 _1104\"> </span>15<span class=\"__14 _fc_7\"> </span>27<span class=\"__14 _a1_6\"> </span>56<span class=\"__14 _e2_6\"> </span>5 131</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:438.97495px;\">     Byggindustri<span class=\"__14 _1217\"> </span><span class=\"ls14_11 ws3a_5\">-19<span class=\"__14 _7b_6\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1072\"/>2<span class=\"__14 _8c_6\"> </span></span></span>200<span class=\"__14 _1118\"> </span>233<span class=\"__14 _1118\"> </span><span class=\"ls14_11 ws3a_5\">144<span class=\"__14 _1104\"> </span></span>13<span class=\"__14 _4c_6\"> </span>30<span class=\"__14 _1120\"> </span>101<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">51<span class=\"__14 _9a_6\"> </span></span>8 578</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:422.56763px;\">     Partihandel<span class=\"__14 _11f_7\"> </span>29<span class=\"__14 _7c_6\"> </span>49<span class=\"__14 _fc_7\"> </span><span class=\"ls1b_8 ws41_5\">77<span class=\"__14 _a6_7\"> </span></span>131<span class=\"__14 _a1_6\"> </span>67<span class=\"__14 _b0_6\"> </span>7<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _a1_6\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _a1_6\"> </span></span></span>56<span class=\"__14 _a4_6\"> </span>5 896</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:406.16034px;\">     Marktransport<span class=\"__14 _15e_1\"> </span><span class=\"ls14_11 ws3a_5\">-1<span class=\"__14 _1072\"/>5<span class=\"__14 _1120\"> </span></span>-5<span class=\"__14 _1072\"/>2<span class=\"__14 _1121\"> </span>106<span class=\"__14 _1121\"> </span>370<span class=\"__14 _a1_6\"> </span>58<span class=\"__14 _1106\"> </span>4<span class=\"__14 _1106\"> </span>6<span class=\"__14 _7c_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _4c_6\"> </span></span>45<span class=\"__14 _9a_6\"> </span>2 862</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:389.75305px;\">     IT<span class=\"__14 _b_13\"/>-tj\u00e4nster<span class=\"__14 _10a_6\"> </span>-9<span class=\"__14 _1120\"> </span>-47<span class=\"__14 _4c_6\"> </span>68<span class=\"__14 _1121\"> </span>353<span class=\"__14 _fc_7\"> </span>27<span class=\"__14 _1106\"> </span>4<span class=\"__14 _1106\"> </span>6<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1130\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _14f_2\"> </span></span></span>1 92<span class=\"__14 _1072\"/>5<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:373.34573px;\">Sj\u00f6fart<span class=\"__14 _1173\"> </span><span class=\"ls14_11 ws3a_5\">-12<span class=\"__14 _a6_7\"> </span>-18<span class=\"__14 _1121\"> </span></span>505<span class=\"__14 _8c_6\"> </span><span class=\"ls14_11 ws3a_5\">76<span class=\"__14 _1072\"/>8<span class=\"__14 _1118\"> </span></span>166<span class=\"__14 _da_6\"> </span>7<span class=\"__14 _da_6\"> </span>7<span class=\"__14 _5f_6\"> </span>15<span class=\"__14 _1072\"/>2<span class=\"__14 _4c_6\"> </span>30<span class=\"__14 _9a_6\"> </span><span class=\"ls14_11 ws3a_5\">6 576</span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:356.93845px;\">     V<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>vsindustri<span class=\"__14 _1220\"> </span>4<span class=\"__14 _1118\"> </span>159<span class=\"__14 _1106\"> </span>0<span class=\"__14 _9c_7\"> </span>0<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>0<span class=\"__14 _1106\"> </span>0<span class=\"__14 _9c_7\"> </span>0<span class=\"__14 _a2_6\"> </span><span class=\"ls1a_9 ws40_5\">252</span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:340.53113px;\">     Sj\u00f6transport<span class=\"__14 _1213\"> </span><span class=\"ls14_11 ws3a_5\">-17<span class=\"__14 _1120\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1072\"/>9<span class=\"__14 _1121\"> </span></span></span>505<span class=\"__14 _8c_6\"> </span>862<span class=\"__14 _1118\"> </span>163<span class=\"__14 _da_6\"> </span>5<span class=\"__14 _da_6\"> </span>7<span class=\"__14 _a6_7\"> </span><span class=\"ls14_11 ws3a_5\">151<span class=\"__14 _a1_6\"> </span></span>30<span class=\"__14 _14f_2\"> </span>5 85<span class=\"__14 _1058\"/>7</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:324.12384px;\">     Sj\u00f6fartstj\u00e4ns<span class=\"__14 _1058\"/>ter<span class=\"__14 _1114\"> </span>1<span class=\"__14 _1104\"> </span>21<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:257.99594px; bottom:324.14816px;\">0<span class=\"__14 _1106\"> </span>0<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _1106\"> </span>0<span class=\"__14 _9c_7\"> </span>0<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _1106\"> </span>0<span class=\"__14 _a7_7\"> </span>467<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:307.74084px;\">Samh\u00e4llsnyttiga tj\u00e4nster<span class=\"__14 _be_7\"> </span><span class=\"ls14_11 ws3a_5\">-11<span class=\"__14 _1113\"> </span>-14<span class=\"__14 _a1_6\"> </span></span>45<span class=\"__14 _a1_6\"> </span>58<span class=\"__14 _4c_6\"> </span>40<span class=\"__14 _1106\"> </span>4<span class=\"__14 _da_6\"> </span>7<span class=\"__14 _a1_6\"> </span>29<span class=\"__14 _4c_6\"> </span><span class=\"ls21_7 ws47_3\">64<span class=\"__14 _14f_2\"> </span></span>7 705</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:291.33356px;\">     El, vatten och gas<span class=\"__14 _1221\"> </span>-6<span class=\"__14 _a6_7\"> </span><span class=\"ls14_11 ws3a_5\">-16<span class=\"__14 _1130\"> </span></span>29<span class=\"__14 _a1_6\"> </span><span class=\"ls1d_8 ws43_5\">79<span class=\"__14 _a1_6\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _b0_6\"> </span></span></span>2<span class=\"__14 _1106\"> </span>5<span class=\"__14 _1136\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _4c_6\"> </span></span>59<span class=\"__14 _14f_2\"> </span>3 661</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:274.92624px;\">     Kraftproduk<span class=\"__14 _b_13\"/>tion<span class=\"__14 _1214\"> </span>2<span class=\"__14 _1106\"> </span>6<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _da_6\"> </span>3<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>0<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _1121\"> </span>100<span class=\"__14 _9a_6\"> </span>3 345</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:258.51895px;\">     Allm\u00e4nnyttiga f<span class=\"__14 _b_13\"/>\u00f6retag<span class=\"__14 _6c_6\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _1149\"> </span></span>-<span class=\"__14 _1058\"/>100<span class=\"__14 _1104\"> </span>15<span class=\"__14 _5f_6\"> </span>215<span class=\"__14 _fc_7\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _b0_6\"> </span></span>2<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _1136\"> </span>11<span class=\"__14 _fc_7\"> </span><span class=\"ls20_7 ws46_4\">73<span class=\"__14 _1153\"> </span></span>699<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:242.11166px;\">F<span class=\"__14 _b_13\"/>astighetsbolag<span class=\"__14 _1222\"> </span>-44<span class=\"__14 _1113\"> </span><span class=\"ls14_11 ws3a_5\">-1<span class=\"__14 _1072\"/>2<span class=\"__14 _1118\"> </span></span>182<span class=\"__14 _a1_6\"> </span>50<span class=\"__14 _1118\"> </span>183<span class=\"__14 _1130\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _a1_6\"> </span><span class=\"ls24_6 ws4a_3\">42<span class=\"__14 _a6_7\"> </span><span class=\"ls14_11 ws3a_5\">117<span class=\"__14 _4c_6\"> </span><span class=\"ls21_7 ws47_3\">64<span class=\"__14 _1106\"> </span></span></span></span></span>36 692<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:225.70435px;\">\u00d6vriga branscher<span class=\"__14 _1217\"> </span>0<span class=\"__14 _9c_7\"> </span>0<span class=\"__14 _1106\"> </span>8<span class=\"__14 _1118\"> </span>128<span class=\"__14 _1106\"> </span>6<span class=\"__14 _da_6\"> </span>5<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _1106\"> </span>0<span class=\"__14 _1106\"> </span>0<span class=\"__14 _a7_7\"> </span>625<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:210.03415px;\">Summa f\u00f6retagsk<span class=\"__14 _b_13\"/>under<span class=\"__14 _1101\"> </span><span class=\"ls22_6 ws48_3\">-7<span class=\"__14 _1072\"/>3<span class=\"__14 _1129\"> </span></span>-6<span class=\"__14 _1223\"> </span>2 472<span class=\"__14 _7b_6\"> </span>211<span class=\"__14 _1223\"> </span>1 602<span class=\"__14 _1113\"> </span>111<span class=\"__14 _1121\"> </span><span class=\"ls16_11 ws3c_5\">242<span class=\"__14 _a0_6\"> </span></span>1 249<span class=\"__14 _fc_7\"> </span><span class=\"ls14_11 ws3a_5\">51<span class=\"__14 _1129\"> </span></span>116 910</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:193.62685px;\">   Bol\u00e5n<span class=\"__14 _1224\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _1072\"/>2<span class=\"__14 _1129\"> </span></span>-6<span class=\"__14 _1118\"> </span>477<span class=\"__14 _a1_6\"> </span>39<span class=\"__14 _1120\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>1<span class=\"__14 _1104\"> </span></span>15<span class=\"__14 _a1_6\"> </span>38<span class=\"__14 _7c_6\"> </span>88<span class=\"__14 _fc_7\"> </span>18<span class=\"__14 _1104\"> </span>122 984</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:177.21954px;\">   L\u00e5n mot s\u00e4kerhet<span class=\"__14 _1145\"> </span>27<span class=\"__14 _fc_7\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1118\"> </span></span>310<span class=\"__14 _1118\"> </span>166<span class=\"__14 _1121\"> </span>256<span class=\"__14 _a1_6\"> </span>47<span class=\"__14 _4c_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _5f_6\"> </span></span>161<span class=\"__14 _1130\"> </span><span class=\"ls1a_9 ws40_5\">52<span class=\"__14 _b7_7\"> </span></span>18 632</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:160.81226px;\">   L\u00e5n utan s\u00e4kerhet<span class=\"__14 _1164\"> </span>4<span class=\"__14 _9c_7\"> </span>6<span class=\"__14 _5f_6\"> </span>219<span class=\"__14 _1121\"> </span>32<span class=\"__14 _1072\"/>3<span class=\"__14 _1121\"> </span>202<span class=\"__14 _1104\"> </span>21<span class=\"__14 _1129\"> </span>71<span class=\"__14 _1120\"> </span>110<span class=\"__14 _a1_6\"> </span>50<span class=\"__14 _9a_6\"> </span>6 779<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:144.40495px;\">Privatkunder<span class=\"__14 _11f_7\"> </span>-<span class=\"__14 _1072\"/>41<span class=\"__14 _1129\"> </span>-3<span class=\"__14 _3d_8\"> </span>1 006<span class=\"__14 _7c_6\"> </span>68<span class=\"__14 _8c_6\"> </span>599<span class=\"__14 _4c_6\"> </span>83<span class=\"__14 _5f_6\"> </span><span class=\"ls14_11 ws3a_5\">157<span class=\"__14 _1121\"> </span></span>359<span class=\"__14 _4c_6\"> </span>36<span class=\"__14 _a1_6\"> </span>148 395<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:127.99765px;\"><span class=\"__14 _1ce\">Offen</span><span class=\"__14 _1058\"/>tlig sektor<span class=\"__14 _1225\"> </span><span class=\"ls1b_8 ws41_5\">-4<span class=\"__14 _1104\"> </span></span>-9<span class=\"__14 _4c_6\"> </span>34<span class=\"__14 _1130\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _b0_6\"> </span></span>2<span class=\"__14 _1106\"> </span>0<span class=\"__14 _9c_7\"> </span>0<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>6<span class=\"__14 _1102\"> </span>4 569<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:111.59035px;\">Utl\u00e5ning till allm\u00e4nheten <span class=\"__14 _fc_7\"> </span>-118<span class=\"__14 _1104\"> </span><span class=\"ls1b_8 ws41_5\">-4<span class=\"__14 _8b_6\"> </span></span>3 512<span class=\"__14 _1121\"> </span>130<span class=\"__14 _1223\"> </span>2 203<span class=\"__14 _1121\"> </span>194<span class=\"__14 _8c_6\"> </span>399<span class=\"__14 _a0_6\"> </span>1 610<span class=\"__14 _7c_6\"> </span>46<span class=\"__14 _a1_6\"> </span>269 87<span class=\"__14 _b_13\"/>4<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hf_13 ff2_14 fs8_12 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:91.94761px;\">1)  Inklusive reserveringar f\u00f6r e<span class=\"__14 _b_13\"/>xponeringar utanf\u00f6r balansr\u00e4kningen.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hf_13 ff2_14 fs8_12 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:80.34355px;\">2)   <span class=\"__14 _1069\"/>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar f\u00f6r kategori 3 dividera<span class=\"__14 _b_13\"/>t med exponeringar i kategori 3<span class=\"__14 _1ce\"> </span>.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h1_14 ff1_14 fs0_14 fc0_14 sc0_14 ls0_14 ws0_14\" style=\"left:0.002374649px; bottom:2.1012287px;\">216<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc0_14 sc0_14 ls0_14 ws1_14\" style=\"left:44.310143px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h3_13 ff2_14 fs1_13 fc0_14 sc0_14 ls1_14 ws2_13\" style=\"left:48.511353px; bottom:1029.1447px;\">Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span></div><div class=\"t_14 m0_14 ha_13 ff3_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:986.27924px;\">K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h5_13 ff1_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:818.99005px;\">Utl\u00e5ning till allm\u00e4nheten, v\u00e4rder<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ad till upplupet anskaffningsv\u00e4rde, geogr</span><span class=\"__14 _b_13\"/>a\ufb01sk f\u00f6rdelning<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h11_8 ff1_14 fsa_9 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:510.47467px; bottom:821.7525px;\">1<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:272.69104px; bottom:795.0859px;\">Brutto<span class=\"__14 _b3_6\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:778.9165px;\">31 dec 2022, mn euro<span class=\"__14 _1222\"> </span>Ka<span class=\"__14 _1058\"/>tegori 1<span class=\"__14 _1154\"> </span>Kategori 2<span class=\"__14 _1115\"> </span>Kategori 3<span class=\"__14 _8c_6\"> </span>Kategori 1<span class=\"__14 _1154\"> </span>Kategori 2<span class=\"__14 _1115\"> </span>Kategori 3<span class=\"__14 _14f_2\"> </span>Netto<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:761.77466px;\">Danmark<span class=\"__14 _5e_6\"> </span>23 868<span class=\"__14 _9a_6\"> </span>1 668<span class=\"__14 _a3_6\"> </span>531<span class=\"__14 _1087\"> </span><span class=\"ls1a_9 ws40_5\">52<span class=\"__14 _a2_6\"> </span></span>139<span class=\"__14 _a2_6\"> </span>287<span class=\"__14 _1106\"> </span>25 589<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:744.6303px;\">Finland<span class=\"__14 _bd_7\"> </span>62 330<span class=\"__14 _9a_6\"> </span>5 657<span class=\"__14 _1105\"> </span>955<span class=\"__14 _1226\"> </span>39<span class=\"__14 _1093\"> </span>125<span class=\"__14 _6c_6\"> </span>384<span class=\"__14 _9c_7\"> </span>68 394<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:727.4859px;\">Norge<span class=\"__14 _1177\"> </span>65 440<span class=\"__14 _9a_6\"> </span>2 933<span class=\"__14 _a2_6\"> </span>329<span class=\"__14 _16a\"> </span>68<span class=\"__14 _1226\"> </span>67<span class=\"__14 _a3_6\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>3<span class=\"__14 _9c_7\"> </span></span>68 4<span class=\"__14 _1072\"/>24<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:710.3415px;\">Sverige<span class=\"__14 _16b\"> </span>96 085<span class=\"__14 _a4_6\"> </span>2 086<span class=\"__14 _1093\"> </span>312<span class=\"__14 _1226\"> </span><span class=\"ls24_6 ws4a_3\">42<span class=\"__14 _b8_6\"> </span></span>71<span class=\"__14 _1093\"> </span><span class=\"ls14_11 ws3a_5\">147<span class=\"__14 _da_6\"> </span></span>98 223<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls14_11 ws3a_5\" style=\"left:48.511353px; bottom:693.1971px;\">USA<span class=\"__14 _fa_6\"> </span><span class=\"ls0_14 ws0_14\">1 197<span class=\"__14 _1226\"> </span>66<span class=\"__14 _1128\"> </span>2<span class=\"__14 _7a_6\"> </span>1<span class=\"__14 _1128\"> </span>0<span class=\"__14 _7a_6\"> </span>1<span class=\"__14 _7e_6\"> </span>1 263<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:676.0527px;\">\u00d6vrigt<span class=\"__14 _16c\"> </span>12 820<span class=\"__14 _6c_6\"> </span>368<span class=\"__14 _2a_8\"> </span>113<span class=\"__14 _1087\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1128\"> </span></span>6<span class=\"__14 _16d\"> </span>58<span class=\"__14 _aa_6\"> </span>13 22<span class=\"__14 _1072\"/>3<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:658.90826px;\">Summa<span class=\"__14 _1116\"> </span>261 7<span class=\"__14 _1058\"/>40<span class=\"__14 _b7_7\"> </span>12 778<span class=\"__14 _9a_6\"> </span><span class=\"ls16_11 ws3c_5\">2<span class=\"__14 _1072\"/> 24<span class=\"__14 _1072\"/>2<span class=\"__14 _a3_6\"> </span></span>216<span class=\"__14 _1153\"> </span>408<span class=\"__14 _9a_6\"> </span>1 020<span class=\"__14 _1136\"> </span>275 116<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:272.69104px; bottom:619.192px;\">Brutto<span class=\"__14 _b3_6\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:603.0226px;\">31 dec 2021, mn euro<span class=\"__14 _1103\"> </span>Ka<span class=\"__14 _b_13\"/>tegori 1<span class=\"__14 _8c_6\"> </span>Ka<span class=\"__14 _b_13\"/>tegori 2<span class=\"__14 _8c_6\"> </span>Ka<span class=\"__14 _b_13\"/>tegori 3<span class=\"__14 _8c_6\"> </span>Kategori 1<span class=\"__14 _1154\"> </span>Kategori 2<span class=\"__14 _1154\"> </span>Kategori 3<span class=\"__14 _14f_2\"> </span>Netto<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:585.8808px;\">Danmark<span class=\"__14 _1095\"> </span>20 486<span class=\"__14 _14f_2\"> </span>1 478<span class=\"__14 _1105\"> </span>595<span class=\"__14 _16d\"> </span>44<span class=\"__14 _1092\"> </span><span class=\"ls14_11 ws3a_5\">151<span class=\"__14 _a3_6\"> </span></span>381<span class=\"__14 _b7_7\"> </span>21 983<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:568.7364px;\">Finland<span class=\"__14 _16e\"> </span>60 652<span class=\"__14 _1111\"> </span>5 878<span class=\"__14 _14f_2\"> </span>1 054<span class=\"__14 _16d\"> </span>30<span class=\"__14 _12c_4\"> </span>118<span class=\"__14 _1105\"> </span>4<span class=\"__14 _1072\"/>37<span class=\"__14 _8d_6\"> </span>66 999<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:551.592px;\">Norge<span class=\"__14 _16c\"> </span>66 21<span class=\"__14 _1058\"/>4<span class=\"__14 _9a_6\"> </span>2 704<span class=\"__14 _6c_6\"> </span>84<span class=\"__14 _1072\"/>2<span class=\"__14 _1226\"> </span>82<span class=\"__14 _16f\"> </span>67<span class=\"__14 _1105\"> </span>302<span class=\"__14 _8d_6\"> </span>69 309<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:534.4476px;\">Sverige<span class=\"__14 _16e\"> </span>94 266<span class=\"__14 _1111\"> </span>2 260<span class=\"__14 _a3_6\"> </span>316<span class=\"__14 _1226\"> </span>28<span class=\"__14 _16f\"> </span>53<span class=\"__14 _1093\"> </span>123<span class=\"__14 _9c_7\"> </span>96 638<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls14_11 ws3a_5\" style=\"left:48.511353px; bottom:517.30316px;\">USA<span class=\"__14 _6e_6\"> </span><span class=\"ls0_14 ws0_14\">1 892<span class=\"__14 _1128\"> </span>2<span class=\"__14 _1128\"> </span>3<span class=\"__14 _7a_6\"> </span>1<span class=\"__14 _1227\"> </span>1<span class=\"__14 _1227\"> </span>1<span class=\"__14 _1111\"> </span>1 894<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:500.1588px;\">\u00d6vrigt<span class=\"__14 _1228\"> </span>12 322<span class=\"__14 _12c_4\"> </span>411<span class=\"__14 _a2_6\"> </span>702<span class=\"__14 _1229\"> </span>9<span class=\"__14 _1229\"> </span>9<span class=\"__14 _a7_7\"> </span>366<span class=\"__14 _1156\"> </span>13 051<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:483.01437px;\">Summa<span class=\"__14 _1201\"> </span>255 832<span class=\"__14 _aa_6\"> </span>12 733<span class=\"__14 _7e_6\"> </span>3 512<span class=\"__14 _1105\"> </span>194<span class=\"__14 _a7_7\"> </span>399<span class=\"__14 _14f_2\"> </span>1 610<span class=\"__14 _4c_6\"> </span>269 874<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hf_13 ff2_14 fs8_12 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:463.36398px;\">1)  Baserat p\u00e5 landet d\u00e4r kunden har sin hemvis<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h8_13 ff2_14 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:951.164px;\">2.<span class=\"__14 _b_13\"/>13 Geogra\ufb01sk f<span class=\"__14 _b_13\"/>\u00f6rdelning<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:937.63495px;\">Portf\u00f6ljen har en god geogr<span class=\"__14 _b_13\"/>a\ufb01sk f\u00f6rdelning, och inget land<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:924.10974px;\">svarar f<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">\u00f6r mer \u00e4n 36 procent a</span><span class=\"__14 _b_13\"/>v utl\u00e5ningen, utifr\u00e5n var den<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:910.58453px;\">kundansvariga enhet<span class=\"__14 _1058\"/>en \u00e4r bel\u00e4gen. \u00d6vriga EU-l\u00e4nder utg\u00f6r<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:897.0593px;\">den st\u00f6rsta delen a<span class=\"__14 _b_13\"/>v utl\u00e5ningen utanf<span class=\"__14 _1058\"/>\u00f6r Norden. Kunder i<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:883.5341px;\">Norden st\u00e5r f<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">\u00f6r 95 procent (94 proc</span><span class=\"__14 _b_13\"/>ent) av Nordeas utl\u00e5ning<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:870.0089px;\">till allm\u00e4nheten, utifr\u00e5n en f<span class=\"__14 _b_13\"/>\u00f6rdelning efter l\u00e5ntagarnas<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws35_6\" style=\"left:44.310143px; bottom:856.4837px;\"> hemvist. </div><div class=\"t_14 m0_14 h8_13 ff2_14 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:413.14822px;\">2.<span class=\"__14 _b_13\"/>14 Kundklassi\ufb01c<span class=\"__14 _1058\"/>ering<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:399.61914px;\">Ett s\u00e4tt att bed\u00f6ma kr<span class=\"__14 _1058\"/>editkvaliteten \u00e4r a<span class=\"__14 _b_13\"/>tt analysera f\u00f6r<span class=\"__14 _b_13\"/>del-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:386.09393px;\">ningen mellan ratingklasserna f<span class=\"__14 _b_13\"/>\u00f6r f\u00f6retagsk<span class=\"__14 _b_13\"/>under och institut<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:372.56873px;\">med rating, och mellan riskklasserna f<span class=\"__14 _b_13\"/>\u00f6r privatkunder och<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:359.04352px;\">sm\u00e5 f\u00f6r<span class=\"__14 _1058\"/>etagskunder med scoring, dvs. hush\u00e5llsportf<span class=\"__14 _b_13\"/>\u00f6ljen. Den<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:345.51834px;\">genomsnittliga kreditkvalitet<span class=\"__14 _b_13\"/>en var stabil under 2022 i b\u00e5de<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:331.99313px;\">f\u00f6r<span class=\"__14 _1058\"/>etagsportf\u00f6ljen och priva<span class=\"__14 _b_13\"/>tpor<span class=\"__14 _1072\"/>tf\u00f6ljen. I fr<span class=\"__14 _b_13\"/>\u00e5ga om exponering<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:318.46793px;\">omf<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">attades 17 procen</span><span class=\"__14 _b_13\"/>t (34 procent) a<span class=\"__14 _1058\"/>v f\u00f6r<span class=\"__14 _1058\"/>etagsportf\u00f6ljen a<span class=\"__14 _b_13\"/>v<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:304.94272px;\">h\u00f6gre ra<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ting och 12 procen</span><span class=\"__14 _b_13\"/>t (19 procent) a<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">v l\u00e4gre. 92 procen</span><span class=\"__14 _b_13\"/>t<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:291.41754px;\">(89 procen<span class=\"__14 _b_13\"/>t) av utl\u00e5ningen till f\u00f6ret<span class=\"__14 _1058\"/>ag l\u00e5g i ratingklass 4\u2013<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:277.89233px;\">eller h\u00f6gre, med en genomsnittlig ra<span class=\"__14 _b_13\"/>ting p\u00e5 5\u2013.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:57.205498px; bottom:264.36713px;\">Institut och priva<span class=\"__14 _b_13\"/>tkunder \u00e5terfanns huvudsakligen i de s\u00e4k<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:250.84192px;\"><span class=\"__14 _1ce\">rare riskklasserna. 94 pr</span><span class=\"__14 _b_13\"/>ocent (94 procen<span class=\"__14 _1058\"/>t) av priv<span class=\"__14 _b_13\"/>atkundsex<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:237.31674px;\">poneringen \u00e5terfanns i riskklass C<span class=\"__14 _1c_10\"/>\u2013 eller h\u00f6gre, d\u00e4r sannolik-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:223.79153px;\">heten f\u00f6r f<span class=\"__14 _b_13\"/>allissemang \u00e4r 1 procent eller l\u00e4gr<span class=\"__14 _b_13\"/>e. De samman-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:210.26633px;\">tagna f\u00f6r<span class=\"__14 _b_13\"/>\u00e4ndringarna i kreditkvaliteten medf<span class=\"__14 _b_13\"/>\u00f6rde en \u00f6kning<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:196.74113px;\">av risk<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">exponeringsbeloppet (REA) med cirka 0,24 proc</span><span class=\"__14 _b_13\"/>ent<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:183.21593px;\">under 2022.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h1_14 ff1_14 fs0_14 fc0_14 sc0_14 ls14_11 ws3a_5\" style=\"left:656.0268px; bottom:2.1012287px;\">217<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc0_14 sc0_14 ls0_14 ws1_14\" style=\"left:497.5244px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h3_13 ff2_14 fs1_13 fc0_14 sc0_14 ls1_14 ws2_13\" style=\"left:4.2144775px; bottom:1029.1447px;\">Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span></div><div class=\"t_14 m0_14 ha_13 ff3_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:986.27924px;\">K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h5_13 ff1_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:951.6515px;\">Ratinginf<span class=\"__14 _b_13\"/>ormation f\u00f6r l\u00e5n v<span class=\"__14 _1058\"/>\u00e4rderade till uppl<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">upet anskaffningsv</span><span class=\"__14 _b_13\"/>\u00e4rde <span class=\"__14 _7d_7\"> </span> <span class=\"__14 _b7_7\"> </span> <span class=\"__14 _b7_7\"> </span> </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:926.87964px;\">Mn euro  </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:917.12964px;\"><span class=\"__14 _1ce\">Rating klass1<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:234.82773px; bottom:926.87964px;\">Genomsnittligt <span class=\"__14 _1069\"/> </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:261.65973px; bottom:917.12964px;\"><span class=\"__14 _1ce\">PD2 (%)<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:348.71915px; bottom:933.2977px;\">Redovisat v<span class=\"__14 _b_13\"/>\u00e4rde f\u00f6re reserver<span class=\"__14 _b_13\"/>, 31 dec 2022<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:318.99246px; bottom:917.12836px;\">Kategori 1<span class=\"__14 _5a_6\"> </span>Kategori 2<span class=\"__14 _5a_6\"> </span>Kategori 3<span class=\"__14 _1130\"> </span>Summa<span class=\"__14 _1124\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:900.7235px;\">7<span class=\"__14 _1230\"> </span>0,00<span class=\"__14 _da_6\"> </span>4 994<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b7_7\"> </span>4 997<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:885.0533px;\">6<span class=\"__14 _1230\"> </span>0,02<span class=\"__14 _1129\"> </span>18 465<span class=\"__14 _a3_6\"> </span>36<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1147\"> </span>18 501<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:869.3831px;\">5<span class=\"__14 _1230\"> </span>0,09<span class=\"__14 _1136\"> </span>40 175<span class=\"__14 _be_7\"> </span>165<span class=\"__14 _1086\"> </span>2<span class=\"__14 _fc_7\"> </span>40 343<span class=\"__14 _1093\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:853.7129px;\">4<span class=\"__14 _1231\"> </span>0,31<span class=\"__14 _1148\"> </span>48 711<span class=\"__14 _4b_6\"> </span>931<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1130\"> </span>49 6<span class=\"__14 _1072\"/>42<span class=\"__14 _1093\"> </span>70<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:838.0427px;\">3<span class=\"__14 _1232\"> </span>3,20<span class=\"__14 _1155\"> </span>7 194<span class=\"__14 _1156\"> </span>1 780<span class=\"__14 _2a_8\"> </span>15<span class=\"__14 _1106\"> </span>8 989<span class=\"__14 _a3_6\"> </span>90<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:822.3725px;\">2<span class=\"__14 _1233\"> </span>19,45<span class=\"__14 _8e_6\"> </span><span class=\"ls14_11 ws3a_5\">177<span class=\"__14 _1109\"> </span></span>1 165<span class=\"__14 _2a_8\"> </span>15<span class=\"__14 _1152\"> </span>1 357<span class=\"__14 _a3_6\"> </span>58<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:806.7023px;\">1<span class=\"__14 _1234\"> </span>62,60<span class=\"__14 _1152\"> </span>1 102<span class=\"__14 _9b_6\"> </span>1 535<span class=\"__14 _1093\"> </span>35<span class=\"__14 _1156\"> </span>2 67<span class=\"__14 _1072\"/>2<span class=\"__14 _a3_6\"> </span>93<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:791.0321px;\">Standardmetoden/Utan r<span class=\"__14 _1058\"/>ating<span class=\"__14 _8a_6\"> </span>0,06<span class=\"__14 _8d_6\"> </span>13 170<span class=\"__14 _a4_6\"> </span>1 119<span class=\"__14 _c3_6\"> </span>254<span class=\"__14 _1147\"> </span>1<span class=\"__14 _b_13\"/>4 54<span class=\"__14 _1072\"/>2<span class=\"__14 _be_7\"> </span>166<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:775.3619px;\">0 (fallerade<span class=\"__14 _b_13\"/>)<span class=\"__14 _1235\"> </span>100,00<span class=\"__14 _a3_6\"> </span>45<span class=\"__14 _12c_4\"> </span>32<span class=\"__14 _1152\"> </span>1 210<span class=\"__14 _1152\"> </span>1 287<span class=\"__14 _b5_7\"> </span><span class=\"ls1e_7 ws44_4\">7<span class=\"__14 _1072\"/>25<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:759.6917px;\">Summa<span class=\"__14 _1236\"> </span>134 033<span class=\"__14 _b0_6\"> </span>6 766<span class=\"__14 _1152\"> </span>1 531<span class=\"__14 _1120\"> </span>142 330<span class=\"__14 _1155\"> </span>1 228<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:722.17865px;\">Mn euro  </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:712.42865px;\"><span class=\"__14 _1ce\">Rating klass1<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:234.82773px; bottom:722.17865px;\">Genomsnittligt <span class=\"__14 _1069\"/> </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:261.65973px; bottom:712.42865px;\"><span class=\"__14 _1ce\">PD2 (%)<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:348.71915px; bottom:728.59674px;\">Redovisat v<span class=\"__14 _b_13\"/>\u00e4rde f\u00f6re reserver<span class=\"__14 _b_13\"/>, 31 dec 2021<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:318.99246px; bottom:712.42737px;\">Kategori 1<span class=\"__14 _5a_6\"> </span>Kategori 2<span class=\"__14 _5a_6\"> </span>Kategori 3<span class=\"__14 _1130\"> </span>Summa<span class=\"__14 _1124\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:696.0225px;\">7<span class=\"__14 _1230\"> </span>0,00<span class=\"__14 _b7_7\"> </span>4 228<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b7_7\"> </span>4 230<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:680.3523px;\">6<span class=\"__14 _1232\"> </span>0,01<span class=\"__14 _1147\"> </span>17 558<span class=\"__14 _12c_4\"> </span>10<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1136\"> </span>17 568<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:664.6821px;\">5<span class=\"__14 _1230\"> </span>0,05<span class=\"__14 _1136\"> </span>33 730<span class=\"__14 _4b_6\"> </span>218<span class=\"__14 _1087\"> </span>0<span class=\"__14 _fc_7\"> </span>33 948<span class=\"__14 _2a_8\"> </span>12<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:649.0119px;\">4<span class=\"__14 _17a\"> </span>0,<span class=\"__14 _b_13\"/>12<span class=\"__14 _fc_7\"> </span>46 967<span class=\"__14 _1101\"> </span>689<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _1104\"> </span>47 658<span class=\"__14 _12c_4\"> </span><span class=\"ls14_11 ws3a_5\">57<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:633.34174px;\">3<span class=\"__14 _17b\"> </span><span class=\"ls17_11 ws3d_5\">3<span class=\"__14 _1072\"/>,1<span class=\"__14 _1066\"/>7<span class=\"__14 _b0_6\"> </span></span>8 098<span class=\"__14 _aa_6\"> </span>1 959<span class=\"__14 _1086\"> </span>3<span class=\"__14 _fc_7\"> </span>10 060<span class=\"__14 _1079\"> </span>107<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:617.6715px;\">2<span class=\"__14 _17c\"> </span>13,70<span class=\"__14 _1079\"> </span>110<span class=\"__14 _aa_6\"> </span>1 466<span class=\"__14 _1093\"> </span><span class=\"ls18_10 ws3e_5\">97<span class=\"__14 _9b_6\"> </span></span>1 673<span class=\"__14 _12c_4\"> </span>75<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:602.0013px;\">1<span class=\"__14 _17d\"> </span>33,91<span class=\"__14 _a2_6\"> </span>88<span class=\"__14 _1156\"> </span>1 4<span class=\"__14 _1072\"/>35<span class=\"__14 _12c_4\"> </span>16<span class=\"__14 _1155\"> </span>1 539<span class=\"__14 _1093\"> </span>85<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:586.3311px;\">Standardmetoden/Utan r<span class=\"__14 _1058\"/>ating<span class=\"__14 _1177\"> </span>0,02<span class=\"__14 _1104\"> </span>16 044<span class=\"__14 _c3_6\"> </span>794<span class=\"__14 _1101\"> </span>208<span class=\"__14 _1136\"> </span>17 046<span class=\"__14 _1079\"> </span>153<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:570.6609px;\">0 (fallerade<span class=\"__14 _b_13\"/>)<span class=\"__14 _1235\"> </span>100,00<span class=\"__14 _1093\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1093\"> </span></span>87<span class=\"__14 _b7_7\"> </span>2 340<span class=\"__14 _b7_7\"> </span>2 450<span class=\"__14 _1152\"> </span>1 222<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:554.9907px;\">Summa<span class=\"__14 _17e\"> </span>126 846<span class=\"__14 _1106\"> </span>6 660<span class=\"__14 _b0_6\"> </span>2 666<span class=\"__14 _a5_7\"> </span>136 172<span class=\"__14 _1102\"> </span>1 712<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h5_13 ff1_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:521.88074px;\">Scoringinf<span class=\"__14 _b_13\"/>ormation f\u00f6r l\u00e5n v\u00e4r<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">derade till upplupet anskaffningsv\u00e4r</span><span class=\"__14 _b_13\"/>de <span class=\"__14 _17f\"> </span> <span class=\"__14 _b7_7\"> </span> <span class=\"__14 _b7_7\"> </span> </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:497.1089px;\">Mn euro  </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:487.3589px;\"><span class=\"__14 _1ce\">Scoring klass1<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:234.82773px; bottom:497.1089px;\">Genomsnittligt <span class=\"__14 _1069\"/> </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:261.65973px; bottom:487.3589px;\"><span class=\"__14 _1ce\">PD2 (%)<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:348.71915px; bottom:503.52698px;\">Redovisat v<span class=\"__14 _b_13\"/>\u00e4rde f\u00f6re reserver<span class=\"__14 _b_13\"/>, 31 dec 2022<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:318.99246px; bottom:487.35754px;\">Kategori 1<span class=\"__14 _5a_6\"> </span>Kategori 2<span class=\"__14 _5a_6\"> </span>Kategori 3<span class=\"__14 _1130\"> </span>Summa<span class=\"__14 _1124\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:470.95285px;\">A<span class=\"__14 _1237\"> </span>0,04<span class=\"__14 _1104\"> </span>96 018<span class=\"__14 _b5_7\"> </span>410<span class=\"__14 _12c_4\"> </span>10<span class=\"__14 _1130\"> </span>96 4<span class=\"__14 _1072\"/>38<span class=\"__14 _a3_6\"> </span>20<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:455.28265px;\">B<span class=\"__14 _1238\"> </span>0,30<span class=\"__14 _1104\"> </span>19 894<span class=\"__14 _1101\"> </span>803<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1130\"> </span>20 699<span class=\"__14 _12c_4\"> </span>19<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:439.61246px;\">C<span class=\"__14 _1231\"> </span>2,<span class=\"__14 _b_13\"/>10<span class=\"__14 _aa_6\"> </span>7 829<span class=\"__14 _1156\"> </span>1 454<span class=\"__14 _1086\"> </span>7<span class=\"__14 _b0_6\"> </span>9 290<span class=\"__14 _12c_4\"> </span>32<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:423.94226px;\">D<span class=\"__14 _1231\"> </span><span class=\"ls17_11 ws3d_5\">6<span class=\"__14 _1072\"/>,1<span class=\"__14 _1072\"/>7<span class=\"__14 _1156\"> </span></span>4 655<span class=\"__14 _aa_6\"> </span>1 494<span class=\"__14 _1086\"> </span>7<span class=\"__14 _1156\"> </span>6 156<span class=\"__14 _a2_6\"> </span>40<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:408.27206px;\">E<span class=\"__14 _1234\"> </span>15,92<span class=\"__14 _1152\"> </span>1 139<span class=\"__14 _1079\"> </span>871<span class=\"__14 _12c_4\"> </span>10<span class=\"__14 _b7_7\"> </span>2 020<span class=\"__14 _1092\"> </span>41<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:392.60187px;\">F<span class=\"__14 _1239\"> </span>30,58<span class=\"__14 _b5_7\"> </span>601<span class=\"__14 _c3_6\"> </span>832<span class=\"__14 _1092\"> </span>37<span class=\"__14 _1156\"> </span>1 470<span class=\"__14 _a2_6\"> </span>60<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:376.93167px;\">Standardmetoden/Utan r<span class=\"__14 _1058\"/>ating<span class=\"__14 _1177\"> </span><span class=\"ls24_6 ws4a_3\">N.A.<span class=\"__14 _c3_6\"> </span></span>220<span class=\"__14 _12c_4\"> </span>10<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1079\"> </span>231<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:361.26144px;\">0 (fallerade<span class=\"__14 _b_13\"/>)<span class=\"__14 _1235\"> </span>100,00<span class=\"__14 _b5_7\"> </span>196<span class=\"__14 _be_7\"> </span><span class=\"ls14_11 ws3a_5\">146<span class=\"__14 _1101\"> </span></span>650<span class=\"__14 _c3_6\"> </span>992<span class=\"__14 _be_7\"> </span>233<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:345.59125px;\">Summa<span class=\"__14 _1240\"> </span>130 552<span class=\"__14 _da_6\"> </span>6 020<span class=\"__14 _b5_7\"> </span><span class=\"ls16_11 ws3c_5\">7<span class=\"__14 _1072\"/>24<span class=\"__14 _a6_7\"> </span></span>137 296<span class=\"__14 _1151\"> </span>445<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:308.07703px;\">Mn euro  </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:298.32703px;\"><span class=\"__14 _1ce\">Scoring klass1<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:234.82773px; bottom:308.07703px;\">Genomsnittligt <span class=\"__14 _1069\"/> </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:261.65973px; bottom:298.32703px;\"><span class=\"__14 _1ce\">PD2 (%)<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:348.71915px; bottom:314.49512px;\">Redovisat v<span class=\"__14 _b_13\"/>\u00e4rde f\u00f6re reserver<span class=\"__14 _b_13\"/>, 31 dec 2021<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:318.99246px; bottom:298.3257px;\">Kategori 1<span class=\"__14 _5a_6\"> </span>Kategori 2<span class=\"__14 _5a_6\"> </span>Kategori 3<span class=\"__14 _1130\"> </span>Summa<span class=\"__14 _1124\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:281.9209px;\">A<span class=\"__14 _1238\"> </span>0,03<span class=\"__14 _1129\"> </span>86 165<span class=\"__14 _b5_7\"> </span>199<span class=\"__14 _b8_6\"> </span>6<span class=\"__14 _fc_7\"> </span>86 370<span class=\"__14 _b8_6\"> </span>8<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:266.2507px;\">B<span class=\"__14 _1238\"> </span>0,28<span class=\"__14 _1136\"> </span>26 758<span class=\"__14 _1101\"> </span>544<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _1136\"> </span>27 305<span class=\"__14 _2a_8\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:250.5805px;\">C<span class=\"__14 _17a\"> </span>1,<span class=\"__14 _b_13\"/>75<span class=\"__14 _9c_7\"> </span>11 159<span class=\"__14 _1155\"> </span>1 624<span class=\"__14 _b8_6\"> </span>5<span class=\"__14 _1147\"> </span>12 788<span class=\"__14 _1092\"> </span>31<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:234.91031px;\">D<span class=\"__14 _1238\"> </span>5,50<span class=\"__14 _b0_6\"> </span>4 405<span class=\"__14 _a4_6\"> </span>1 717<span class=\"__14 _1086\"> </span>7<span class=\"__14 _1156\"> </span>6 129<span class=\"__14 _a2_6\"> </span>40<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:219.2401px;\">E<span class=\"__14 _17d\"> </span>13,71<span class=\"__14 _9b_6\"> </span>1 461<span class=\"__14 _b5_7\"> </span>932<span class=\"__14 _1087\"> </span>4<span class=\"__14 _1156\"> </span>2 397<span class=\"__14 _1092\"> </span>41<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:203.5699px;\">F<span class=\"__14 _1241\"> </span>23,30<span class=\"__14 _b5_7\"> </span>618<span class=\"__14 _be_7\"> </span>941<span class=\"__14 _1093\"> </span>28<span class=\"__14 _1155\"> </span>1 587<span class=\"__14 _a3_6\"> </span>59<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:187.8997px;\">0 (fallerade<span class=\"__14 _b_13\"/>)<span class=\"__14 _1235\"> </span>100,00<span class=\"__14 _1101\"> </span>204<span class=\"__14 _1153\"> </span>131<span class=\"__14 _c3_6\"> </span>793<span class=\"__14 _1109\"> </span>1 128<span class=\"__14 _1101\"> </span>298<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:172.22949px;\">Summa<span class=\"__14 _1240\"> </span>130 770<span class=\"__14 _1106\"> </span>6 088<span class=\"__14 _e2_6\"> </span>846<span class=\"__14 _a6_7\"> </span>137 704<span class=\"__14 _e2_6\"> </span>494<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hf_13 ff2_14 fs8_12 fc2_12 sc0_14 ls0_14 ws4d_3\" style=\"left:4.2144775px; bottom:153.31606px;\">1)  </div><div class=\"t_14 m2_6 hf_13 ff2_14 fs8_12 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:15.124992px; bottom:153.31606px;\">Kategoriindelningen och ber<span class=\"__14 _1058\"/>\u00e4knade reserver f\u00f6r v<span class=\"__14 _1058\"/>arje exponering baseras p\u00e5 situa<span class=\"__14 _b_13\"/>tionen i slutet av oktober 2022 (ok<span class=\"__14 _b_13\"/>tober 2021), medan exponeringsbelopp och ratingklasser baseras </div><div class=\"t_14 m2_6 hf_13 ff2_14 fs8_12 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:15.124992px; bottom:144.47917px;\">p\u00e5 situationen i slutet a<span class=\"__14 _b_13\"/>v december 2022 (december 2021). Vissa exponeringar som \u00e4r fallerade enligt r<span class=\"__14 _b_13\"/>atingklasserna i slutet av december var in<span class=\"__14 _b_13\"/>te fallerade i oktober<span class=\"__14 _b_13\"/>, vilket reflekte</div><div class=\"t_14 m2_6 hf_13 ff2_14 fs8_12 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:613.4712px; bottom:144.47606px;\">-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m2_6 hf_13 ff2_14 fs8_12 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:15.124992px; bottom:135.63606px;\">ras i kategoriindelningen.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m2_6 hf_13 ff2_14 fs8_12 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:124.032px;\">2)  Genomsnittligt PD exklusive Nordea Financ<span class=\"__14 _1058\"/>e Equipment <span class=\"__14 _b_13\"/>AS.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h1_14 ff1_14 fs0_14 fc0_14 sc0_14 ls0_14 ws0_14\" style=\"left:0.002374649px; bottom:2.1012287px;\">218<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc0_14 sc0_14 ls0_14 ws1_14\" style=\"left:44.310143px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h3_13 ff2_14 fs1_13 fc0_14 sc0_14 ls1_14 ws2_13\" style=\"left:48.511353px; bottom:1029.1447px;\">Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span></div><div class=\"t_14 m0_14 ha_13 ff3_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:986.27924px;\">K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h5_13 ff1_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:951.6515px;\">Ratinginf<span class=\"__14 _b_13\"/>ormation f\u00f6r gar<span class=\"__14 _b_13\"/>antier<span class=\"__14 _b_13\"/>/<span class=\"__14 _1058\"/>\u00e5taganden<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:926.87964px;\">Mn euro  </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:917.12964px;\">Rating klass<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:370.06766px; bottom:933.2977px;\">Nominella belopp 31 dec 2022<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:305.9566px; bottom:917.12836px;\">Kategori 1<span class=\"__14 _1106\"> </span>Kategori 2<span class=\"__14 _1106\"> </span>Kategori 3<span class=\"__14 _1079\"> </span>Summa<span class=\"__14 _1121\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:900.7235px;\">7<span class=\"__14 _1242\"> </span>7 760<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1200\"> </span>7 760<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:885.0533px;\">6<span class=\"__14 _1237\"> </span>13 834<span class=\"__14 _1164\"> </span>1<span class=\"__14 _1145\"> </span>0<span class=\"__14 _a7_7\"> </span>13 835<span class=\"__14 _1215\"> </span>2<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:869.3831px;\">5<span class=\"__14 _1238\"> </span>35 672<span class=\"__14 _1211\"> </span>18<span class=\"__14 _1215\"> </span>2<span class=\"__14 _1153\"> </span>35 692<span class=\"__14 _1211\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:853.7129px;\">4<span class=\"__14 _17c\"> </span>20 596<span class=\"__14 _1128\"> </span>488<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1153\"> </span>21 084<span class=\"__14 _1243\"> </span>21<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:838.0427px;\">3<span class=\"__14 _1244\"> </span>4 304<span class=\"__14 _16d\"> </span>1 205<span class=\"__14 _1245\"> </span>6<span class=\"__14 _16f\"> </span>5 515<span class=\"__14 _1211\"> </span>19<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:822.3725px;\">2<span class=\"__14 _1246\"> </span>0<span class=\"__14 _15b_1\"> </span>737<span class=\"__14 _1215\"> </span>5<span class=\"__14 _15b_1\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _1066\"/>2<span class=\"__14 _1243\"> </span></span>19<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:806.7023px;\">1<span class=\"__14 _18a\"> </span>0<span class=\"__14 _7a_6\"> </span>639<span class=\"__14 _1145\"> </span>0<span class=\"__14 _7a_6\"> </span>639<span class=\"__14 _1221\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:791.0321px;\">Standardmetoden/Utan r<span class=\"__14 _1058\"/>ating<span class=\"__14 _1158\"> </span>1 277<span class=\"__14 _1227\"> </span>302<span class=\"__14 _18b\"> </span>1<span class=\"__14 _16a\"> </span>1 580<span class=\"__14 _1245\"> </span>5<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:775.3619px;\">0 (fallerade<span class=\"__14 _b_13\"/>)<span class=\"__14 _18c\"> </span>0<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1227\"> </span>202<span class=\"__14 _1227\"> </span>202<span class=\"__14 _1211\"> </span>10<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:759.6917px;\">Summa<span class=\"__14 _18d\"> </span>83 443<span class=\"__14 _1090\"> </span>3 390<span class=\"__14 _15b_1\"> </span>216<span class=\"__14 _1079\"> </span>87 049<span class=\"__14 _1082\"> </span><span class=\"ls14_11 ws3a_5\">114<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:701.28076px;\">Mn euro  </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:691.53076px;\">Rating klass<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:371.30734px; bottom:707.69885px;\">Nominella belopp 31 dec 2021<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:305.9566px; bottom:691.5294px;\">Kategori 1<span class=\"__14 _1106\"> </span>Kategori 2<span class=\"__14 _1106\"> </span>Kategori 3<span class=\"__14 _1079\"> </span>Summa<span class=\"__14 _1121\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:675.12476px;\">7<span class=\"__14 _1244\"> </span>8 4<span class=\"__14 _1072\"/>20<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1145\"> </span>0<span class=\"__14 _2a_8\"> </span>8 4<span class=\"__14 _1072\"/>20<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:659.4545px;\">6<span class=\"__14 _17b\"> </span>8 787<span class=\"__14 _18b\"> </span>1<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1203\"> </span>8 788<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:643.78436px;\">5<span class=\"__14 _17d\"> </span>32 660<span class=\"__14 _1211\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1145\"> </span></span>0<span class=\"__14 _1105\"> </span>32 67<span class=\"__14 _b_13\"/>4<span class=\"__14 _1145\"> </span>4<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:628.11414px;\">4<span class=\"__14 _1237\"> </span>25 785<span class=\"__14 _1227\"> </span>479<span class=\"__14 _1145\"> </span>3<span class=\"__14 _a7_7\"> </span>26 267<span class=\"__14 _15a_1\"> </span>13<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:612.444px;\">3<span class=\"__14 _17a\"> </span>4 666<span class=\"__14 _b8_6\"> </span>1 415<span class=\"__14 _1145\"> </span>3<span class=\"__14 _2a_8\"> </span>6 084<span class=\"__14 _1221\"> </span>20<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:596.77374px;\">2<span class=\"__14 _1246\"> </span>0<span class=\"__14 _1128\"> </span>808<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1229\"> </span>808<span class=\"__14 _1211\"> </span>18<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:581.1036px;\">1<span class=\"__14 _18a\"> </span>0<span class=\"__14 _7a_6\"> </span>630<span class=\"__14 _18b\"> </span>1<span class=\"__14 _15b_1\"> </span>631<span class=\"__14 _1211\"> </span>32<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:565.43335px;\">Standardmetoden/Utan r<span class=\"__14 _1058\"/>ating<span class=\"__14 _f9_6\"> </span>2 187<span class=\"__14 _1227\"> </span>108<span class=\"__14 _1245\"> </span>2<span class=\"__14 _16d\"> </span>2 297<span class=\"__14 _1145\"> </span>8<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:549.7631px;\">0 (fallerade<span class=\"__14 _b_13\"/>)<span class=\"__14 _18c\"> </span>0<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1227\"> </span>287<span class=\"__14 _1227\"> </span>287<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:534.09296px;\">Summa<span class=\"__14 _1198\"> </span>82 505<span class=\"__14 _1090\"> </span>3 455<span class=\"__14 _7a_6\"> </span>296<span class=\"__14 _8e_6\"> </span>86 256<span class=\"__14 _1140\"> </span>95<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h5_13 ff1_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:500.98285px;\">Scoringinf<span class=\"__14 _b_13\"/>ormation f\u00f6r garan<span class=\"__14 _b_13\"/>tier/<span class=\"__14 _1c_10\"/>\u00e5taganden<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:476.2111px;\">Mn euro  </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:466.4611px;\">Scoring klass<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:370.06766px; bottom:482.6292px;\">Nominella belopp 31 dec 2022<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:305.9566px; bottom:466.4598px;\">Kategori 1<span class=\"__14 _1106\"> </span>Kategori 2<span class=\"__14 _1106\"> </span>Kategori 3<span class=\"__14 _1079\"> </span>Summa<span class=\"__14 _1121\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:450.05496px;\">A<span class=\"__14 _1237\"> </span><span class=\"ls14_11 ws3a_5\">14 014<span class=\"__14 _1145\"> </span></span>6<span class=\"__14 _1145\"> </span>0<span class=\"__14 _6c_6\"> </span>14 020<span class=\"__14 _1145\"> </span>6<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:434.38477px;\">B<span class=\"__14 _17a\"> </span>2 970<span class=\"__14 _1221\"> </span>29<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1090\"> </span>2 999<span class=\"__14 _1145\"> </span>6<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:418.71457px;\">C<span class=\"__14 _18e\"> </span>1 302<span class=\"__14 _15b_1\"> </span>316<span class=\"__14 _1145\"> </span>0<span class=\"__14 _16f\"> </span>1 618<span class=\"__14 _1211\"> </span>10<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:403.04437px;\">D<span class=\"__14 _18f\"> </span>644<span class=\"__14 _15b_1\"> </span>431<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1226\"> </span>1 075<span class=\"__14 _1243\"> </span>13<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:387.37418px;\">E<span class=\"__14 _1247\"> </span>37<span class=\"__14 _1081\"> </span>127<span class=\"__14 _18b\"> </span>1<span class=\"__14 _15b_1\"> </span>165<span class=\"__14 _1243\"> </span>12<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:371.70398px;\">F<span class=\"__14 _1247\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1243\"> </span></span>71<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1140\"> </span>95<span class=\"__14 _1145\"> </span>8<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:356.03378px;\">Standardmetoden/Utan r<span class=\"__14 _1058\"/>ating<span class=\"__14 _1107\"> </span>355<span class=\"__14 _1221\"> </span>63<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1227\"> </span>418<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:340.36356px;\">0 (fallerade<span class=\"__14 _b_13\"/>)<span class=\"__14 _18c\"> </span>0<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1140\"> </span>50<span class=\"__14 _1140\"> </span>50<span class=\"__14 _15a_1\"> </span>15<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:324.69336px;\">Summa<span class=\"__14 _1248\"> </span>19 346<span class=\"__14 _1200\"> </span>1 043<span class=\"__14 _15a_1\"> </span><span class=\"ls14_11 ws3a_5\">51<span class=\"__14 _1079\"> </span></span>20 440<span class=\"__14 _1140\"> </span>70<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:287.17914px;\">Mn euro  </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:277.42914px;\">Scoring klass<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:371.30734px; bottom:293.59723px;\">Nominella belopp 31 dec 2021<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:305.9566px; bottom:277.42783px;\">Kategori 1<span class=\"__14 _1106\"> </span>Kategori 2<span class=\"__14 _1106\"> </span>Kategori 3<span class=\"__14 _1079\"> </span>Summa<span class=\"__14 _1121\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:261.02313px;\">A<span class=\"__14 _1237\"> </span>13 355<span class=\"__14 _1145\"> </span>4<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1105\"> </span>13 359<span class=\"__14 _1145\"> </span>4<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:245.35294px;\">B<span class=\"__14 _17b\"> </span>4 718<span class=\"__14 _1145\"> </span>5<span class=\"__14 _1145\"> </span>0<span class=\"__14 _16a\"> </span>4 7<span class=\"__14 _1072\"/>23<span class=\"__14 _1145\"> </span>6<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:229.68274px;\">C<span class=\"__14 _1242\"> </span>1 778<span class=\"__14 _1227\"> </span>419<span class=\"__14 _1145\"> </span>0<span class=\"__14 _16f\"> </span>2 197<span class=\"__14 _1243\"> </span>15<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:214.01254px;\">D<span class=\"__14 _1249\"> </span>796<span class=\"__14 _1227\"> </span>470<span class=\"__14 _1215\"> </span>1<span class=\"__14 _16d\"> </span>1 268<span class=\"__14 _1243\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:198.34235px;\">E<span class=\"__14 _1247\"> </span>61<span class=\"__14 _1082\"> </span><span class=\"ls14_11 ws3a_5\">145<span class=\"__14 _1145\"> </span></span>0<span class=\"__14 _7a_6\"> </span>206<span class=\"__14 _1243\"> </span>15<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:182.67213px;\">F<span class=\"__14 _1247\"> </span>26<span class=\"__14 _1250\"> </span>80<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1227\"> </span>106<span class=\"__14 _1083\"> </span>11<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:167.00194px;\">0 (fallerade<span class=\"__14 _b_13\"/>)<span class=\"__14 _18c\"> </span>0<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1221\"> </span>67<span class=\"__14 _1221\"> </span>67<span class=\"__14 _1221\"> </span>20<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:151.33174px;\">Summa<span class=\"__14 _1198\"> </span>20 7<span class=\"__14 _1072\"/>34<span class=\"__14 _1087\"> </span>1 123<span class=\"__14 _1140\"> </span>68<span class=\"__14 _6c_6\"> </span>21 92<span class=\"__14 _1072\"/>5<span class=\"__14 _1250\"> </span>88<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h1_14 ff1_14 fs0_14 fc0_14 sc0_14 ls0_14 ws0_14\" style=\"left:656.0268px; bottom:2.1012287px;\">219<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc0_14 sc0_14 ls0_14 ws1_14\" style=\"left:497.5244px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h3_13 ff2_14 fs1_13 fc0_14 sc0_14 ls1_14 ws2_13\" style=\"left:4.2144775px; bottom:1029.1447px;\">Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span></div><div class=\"t_14 m0_14 ha_13 ff3_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:986.27924px;\">K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h8_13 ff2_14 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:714.4002px;\">2.<span class=\"__14 _b_13\"/>15 Os\u00e4kra l\u00e5nef<span class=\"__14 _b_13\"/>ordringar (kategori 3)<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m3_5 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:700.8711px;\">Koncernens os\u00e4kr<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">a l\u00e5nefordringar till upplupet anskaff</span><span class=\"__14 _b_13\"/>nings-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m3_5 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:687.34204px;\">v\u00e4rde, brutto<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">, minskade till 2 2</span><span class=\"__14 _1072\"/><span class=\"__14 _1ce\">55 mn euro (3 512 mn euro</span><span class=\"__14 _b_13\"/>), vil-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m3_5 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:673.8129px;\">ket motsv<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">arar 81 punk</span><span class=\"__14 _1058\"/>ter a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">v den samlade utl\u00e5ningen. 49 pro-<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m3_5 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:660.2838px;\">cent a<span class=\"__14 _b_13\"/>v de os\u00e4kra for<span class=\"__14 _1058\"/>dringarna, brutto, utgjor<span class=\"__14 _b_13\"/>des av l\u00e5n d\u00e4r<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m3_5 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:646.7586px;\">kunderna f<span class=\"__14 _b_13\"/>or<span class=\"__14 _1072\"/>tfarande betalade (r<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">eglerade) och 51 procen</span><span class=\"__14 _b_13\"/>t var<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m3_5 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:633.2334px;\">l\u00e5n d\u00e4r kunderna ej betalade (or<span class=\"__14 _b_13\"/>eglerade). Os\u00e4kra f<span class=\"__14 _1058\"/>ordringar<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m3_5 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:619.7082px;\">netto, efter r<span class=\"__14 _b_13\"/>eser<span class=\"__14 _1072\"/>veringar f\u00f6r f<span class=\"__14 _b_13\"/>ordringar i kategori 3, uppgick till<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m3_5 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:606.18304px;\"><span class=\"__14 _1ce\">1 210 mn euro, vilket mo</span><span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">tsvarar 43 punkter a</span><span class=\"__14 _b_13\"/>v den samlade<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m3_5 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:592.65784px;\">utl\u00e5ningen. Reserverna f<span class=\"__14 _b_13\"/>\u00f6r fordringar i kategori 3 uppgick till<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m3_5 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:579.1326px;\"><span class=\"__14 _1ce\">1 045 mn euro. R</span><span class=\"__14 _1058\"/>eserverna f\u00f6r f<span class=\"__14 _b_13\"/>ordringar i kategori 1 och 2 upp</div><div class=\"t_14 m3_5 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:301.55945px; bottom:579.1092px;\">-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m3_5 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:565.58014px;\"><span class=\"__14 _1ce\">gick till 628 mn euro. Den samlade re</span><span class=\"__14 _1058\"/>serveringskvoten v<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m3_5 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:552.05493px;\"><span class=\"__14 _1ce\">46 procen</span><span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>, och f\u00f6r for<span class=\"__14 _b_13\"/>dringar i kategori 1 och 2 var reserve<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m3_5 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:283.69772px; bottom:552.051px;\">-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m3_5 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:538.5219px;\"><span class=\"__14 _1ce\">ringsgraden 23 punkt</span><span class=\"__14 _b_13\"/>er. Minskningen a<span class=\"__14 _b_13\"/>v os\u00e4kra fordringar<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m3_5 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:524.9967px;\">avs\u00e5g huvudsakligen Na<span class=\"__14 _b_13\"/>turresurser och Sj\u00f6fart, efter bety<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m3_5 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:279.34335px; bottom:524.9928px;\">-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m3_5 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:511.46375px;\">dande utfasning under \u00e5ret. De portf\u00f6ljer som sv<span class=\"__14 _b_13\"/>arade f\u00f6r<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m3_5 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:497.93854px;\">st\u00f6rst andel a<span class=\"__14 _b_13\"/>v de os\u00e4kra fordringarna v<span class=\"__14 _b_13\"/>ar Privatkunder<span class=\"__14 _b_13\"/>, Indu</div><div class=\"t_14 m3_5 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:294.31012px; bottom:497.93463px;\">-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m3_5 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:484.40552px;\">stri samt K<span class=\"__14 _b_13\"/>onsument s\u00e4llank\u00f6p och tj\u00e4nster<span class=\"__14 _1c_10\"/>.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h5_13 ff1_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:457.8764px;\">Os\u00e4kra f<span class=\"__14 _b_13\"/>ordringar och nyckelt<span class=\"__14 _1058\"/>al<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:239.4024px; bottom:441.34238px;\">2022<span class=\"__14 _3f_8\"> </span>2021<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:424.19928px;\">Os\u00e4kra for<span class=\"__14 _b_13\"/>dringar, brutto<span class=\"__14 _1058\"/>, upplupet<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:413.15186px;\"><span class=\"__14 _1ce\">anskaffningsv\u00e4r</span><span class=\"__14 _b_13\"/>de, mn euro<span class=\"__14 _1216\"> </span>2 255<span class=\"__14 _1123\"> </span>3 512<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:396.00748px;\">- vara<span class=\"__14 _b_13\"/>v reglerade<span class=\"__14 _d5_6\"> </span>1 111<span class=\"__14 _1123\"> </span>1 641<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:378.86307px;\">- vara<span class=\"__14 _b_13\"/>v oreglerade<span class=\"__14 _f1_6\"> </span>1 144<span class=\"__14 _1123\"> </span>1 871<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:361.71866px;\">Andel os\u00e4kra l\u00e5nef<span class=\"__14 _1058\"/>ordringar (kategori 3), brutt<span class=\"__14 _1058\"/>o,<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:350.67126px;\">punkter<span class=\"__14 _1251\"> </span>81<span class=\"__14 _1098\"> </span>128<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:333.52686px;\">Andel os\u00e4kra l\u00e5nef<span class=\"__14 _1058\"/>ordringar (kategori 3), nett<span class=\"__14 _1058\"/>o,<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:322.47946px;\">punkter<span class=\"__14 _1235\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _5f_6\"> </span></span>70<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:305.33508px;\">Gruppvisa reserveringar i rela<span class=\"__14 _b_13\"/>tion till utl\u00e5ning  </div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:294.28766px;\">i kategori 1 och 2, punk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1252\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _5f_6\"> </span></span>22<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:277.14328px;\">T<span class=\"__14 _1c_10\"/>otal reserveringsgrad (ka<span class=\"__14 _b_13\"/>tegori 1, 2 och 3),<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:266.09586px;\">punkter<span class=\"__14 _1112\"> </span>60<span class=\"__14 _1120\"> </span>81<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:248.95148px;\">Reserver i rela<span class=\"__14 _b_13\"/>tion till os\u00e4kra l\u00e5nefordringar<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:237.90408px;\">(kategori 3), %<span class=\"__14 _e8_7\"> </span>46<span class=\"__14 _1121\"> </span>46<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h8_13 ff2_14 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:196.7011px;\">2.<span class=\"__14 _b_13\"/>16 F\u00f6rf<span class=\"__14 _b_13\"/>allna l\u00e5nefordringar<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m4_3 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:183.17198px;\">F\u00f6rf<span class=\"__14 _b_13\"/>allna l\u00e5nefordringar (6 dagar eller mer) bland f\u00f6r<span class=\"__14 _b_13\"/>e-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m4_3 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:169.64288px;\"><span class=\"__14 _1ce\">tagskunder uppgick till 814 mn eur</span><span class=\"__14 _b_13\"/>o, ner fr\u00e5n 864 mn euro f\u00f6r<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m4_3 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:156.11769px;\">ett \u00e5r sedan, och f\u00f6rf<span class=\"__14 _b_13\"/>allna l\u00e5nefordringar bland priva<span class=\"__14 _1058\"/>tkunder<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m4_3 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:142.59248px;\"><span class=\"__14 _1ce\">uppgick till 1 569 mn euro vid \u00e5rets slut, upp fr\u00e5n 1 440 mn<span class=\"__14 _1ce\"> </span></span> </div><div class=\"t_14 m4_3 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:129.06729px;\">euro f<span class=\"__14 _1058\"/>\u00f6r ett \u00e5r sedan. <span class=\"__14 _b_13\"/>T<span class=\"__14 _b_13\"/>abellen visar f\u00f6rf<span class=\"__14 _1058\"/>allna l\u00e5nefor<span class=\"__14 _b_13\"/>dringar<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m4_3 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:115.54208px;\"><span class=\"__14 _1ce\">(6 dagar eller mer), uppdelade p\u00e5 f\u00f6r</span><span class=\"__14 _1058\"/>etags- och privatk<span class=\"__14 _b_13\"/>under.<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m4_3 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:102.01689px;\">En f\u00f6rf<span class=\"__14 _1058\"/>allen l\u00e5nefor<span class=\"__14 _b_13\"/>dran uppst\u00e5r n\u00e4r borgen\u00e4ren in<span class=\"__14 _b_13\"/>te erh\u00e5ller<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m4_3 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:88.49169px;\">\u00e5terbetalning p\u00e5 ett l\u00e5n p\u00e5 f<span class=\"__14 _b_13\"/>\u00f6rfallodagen.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:461.84985px; bottom:711.8412px;\">31 dec 2022<span class=\"__14 _1153\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:325.77078px; bottom:685.92175px;\">Mn euro<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:441.86884px; bottom:695.67175px;\">F\u00f6retags-<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:451.09625px; bottom:685.92175px;\">kunder<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:500.25183px; bottom:695.67175px;\">Privat-<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:499.00385px; bottom:685.92175px;\">kunder<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:537.684px; bottom:695.67175px;\">F\u00f6retags-<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:547.90686px; bottom:685.92175px;\">kunder<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:596.067px; bottom:695.67175px;\">Privat-<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:594.82385px; bottom:685.92175px;\">kunder<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:325.77078px; bottom:668.77997px;\">6\u201330 dagar<span class=\"__14 _1253\"> </span>418<span class=\"__14 _1118\"> </span>718<span class=\"__14 _8c_6\"> </span>4<span class=\"__14 _1072\"/>28<span class=\"__14 _1121\"> </span>595<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:325.77078px; bottom:651.63556px;\">31\u201360 dagar<span class=\"__14 _1217\"> </span>123<span class=\"__14 _8c_6\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1072\"/>9<span class=\"__14 _1130\"> </span></span>87<span class=\"__14 _1118\"> </span>199<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:325.77078px; bottom:634.49115px;\">61\u201390 dagar<span class=\"__14 _1186\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1130\"> </span><span class=\"ls18_10 ws3e_5\">97<span class=\"__14 _1130\"> </span></span></span>32<span class=\"__14 _fc_7\"> </span>75<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:325.77078px; bottom:617.34674px;\">&gt;90 dagar<span class=\"__14 _11f_7\"> </span>2<span class=\"__14 _1072\"/>50<span class=\"__14 _1121\"> </span>505<span class=\"__14 _5f_6\"> </span><span class=\"ls14_11 ws3a_5\">317<span class=\"__14 _1120\"> </span>57<span class=\"__14 _1072\"/>1<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:325.77078px; bottom:600.2024px;\">Summa<span class=\"__14 _1166\"> </span><span class=\"ls14_11 ws3a_5\">814<span class=\"__14 _1223\"> </span></span>1 569<span class=\"__14 _1115\"> </span>86<span class=\"__14 _1072\"/>4<span class=\"__14 _3d_8\"> </span>1 440<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:325.77078px; bottom:583.058px;\">F\u00f6rfallna l\u00e5n (inkl. os\u00e4kra<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:325.77078px; bottom:572.01056px;\">l\u00e5n) dividerat med<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:325.77078px; bottom:560.9632px;\">utl\u00e5ning till allm\u00e4nheten<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:325.77078px; bottom:549.9158px;\">efter reserver<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1083\"> </span>0,5<span class=\"__14 _a6_7\"> </span>0,9<span class=\"__14 _1113\"> </span>0,5<span class=\"__14 _7b_6\"> </span>0,<span class=\"__14 _1072\"/>8<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h8_13 ff2_14 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:521.09814px;\">2.<span class=\"__14 _b_13\"/>17 Re<span class=\"__14 _1058\"/>server<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:507.56903px;\">De totala r<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">eserverna f\u00f6r 2022 uppgick till 1 860 mn eur</span><span class=\"__14 _b_13\"/>o, ner<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:494.04382px;\">fr\u00e5n 2 404 mn eur<span class=\"__14 _1058\"/>o in 2021. Reserverna f<span class=\"__14 _b_13\"/>\u00f6r exponeringar 202<span class=\"__14 _1ce\"> </span>2 </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:480.51865px;\"><span class=\"__14 _1ce\">var 1 673 mn euro, ner fr</span><span class=\"__14 _b_13\"/>\u00e5n 2 206 mn euro 2021. Detta<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:466.99344px;\">berodde p\u00e5 uppl\u00f6sningar a<span class=\"__14 _b_13\"/>v reserver i kategori 3 a<span class=\"__14 _1058\"/>vseende<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:453.46826px;\">branscherna Naturr<span class=\"__14 _b_13\"/>esur<span class=\"__14 _1072\"/>ser och Sj\u00f6f<span class=\"__14 _1058\"/>art<span class=\"__14 _1072\"/>. A<span class=\"__14 _b_13\"/>v de totala r<span class=\"__14 _b_13\"/>eser-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:439.94305px;\">verna a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">vs\u00e5g 220 mn euro kategori 1 (upp fr\u00e5n 19</span><span class=\"__14 _1058\"/>7 mn euro f<span class=\"__14 _1058\"/>\u00f6<span class=\"__14 _1ce\"> </span>r </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:426.41785px;\"><span class=\"__14 _1ce\">ett \u00e5r sedan), 408 mn euro kat</span><span class=\"__14 _b_13\"/>egori 2 (upp fr\u00e5n 399 mn euro<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:412.89264px;\"><span class=\"__14 _1ce\">f\u00f6r ett \u00e5r sedan) och 1 045 mn eur</span><span class=\"__14 _b_13\"/>o kategori 3 (ner fr\u00e5n<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:399.36746px;\"><span class=\"__14 _1ce\">1 610 mn euro f</span><span class=\"__14 _1058\"/>\u00f6r ett \u00e5r sedan). Reserveringsgr<span class=\"__14 _b_13\"/>aden var of\u00f6r-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:385.84225px;\"><span class=\"__14 _1ce\">\u00e4ndrad p\u00e5 0,08 procen</span><span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">t f\u00f6r kategori 1, 3,2 proc</span><span class=\"__14 _b_13\"/>ent f\u00f6r kat<span class=\"__14 _1058\"/>egori<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:372.31705px;\">2 (upp fr\u00e5n 3,<span class=\"__14 _1c_10\"/><span class=\"__14 _1ce\">1 procent 2021) och 46 pr</span><span class=\"__14 _1058\"/>ocent f<span class=\"__14 _b_13\"/>\u00f6r kategori 3.<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:358.79184px;\">Reserveringsgr<span class=\"__14 _1058\"/>aden f\u00f6r ka<span class=\"__14 _b_13\"/>tegori 3 var i stort sett of<span class=\"__14 _1058\"/>\u00f6r\u00e4ndrad<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:345.26666px;\">sedan de os\u00e4kra l\u00e5nef<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ordringarna minskat med 1 257 mn eur<span class=\"__14 _1ce\"> </span></span>o </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:331.74146px;\"><span class=\"__14 _1ce\">(36 procen</span><span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">t), medan reserverna minskade med 35 procent.<span class=\"__14 _1ce\"> </span></span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:318.21625px;\">Reserveringsgr<span class=\"__14 _1058\"/>aden f\u00f6r f<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">\u00f6retagsl\u00e5n i kategori 3 \u00f6kade f</span><span class=\"__14 _1058\"/>r\u00e5n<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:304.69104px;\"><span class=\"__14 _1ce\">50 procen</span><span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">t till 55 procent, medan den f\u00f6r priva</span><span class=\"__14 _1058\"/>tkunder mins-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:291.16586px;\">kade fr\u00e5n 36 pr<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ocent till 33 procen</span><span class=\"__14 _1058\"/>t.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h8_13 ff2_14 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:264.04526px;\">2.<span class=\"__14 _b_13\"/>18 Kreditf<span class=\"__14 _b_13\"/>\u00f6rluster<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:250.51614px;\">Kreditf<span class=\"__14 _1058\"/>\u00f6rlusterna f<span class=\"__14 _b_13\"/>\u00f6r 2022 var l\u00e5ga och uppgick till 112 mn<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:236.99094px;\">euro (118 mn euro<span class=\"__14 _1058\"/>). Det motsvar<span class=\"__14 _b_13\"/>ar en kreditf\u00f6rlustrela<span class=\"__14 _b_13\"/>tion p\u00e5<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:223.46574px;\">4 punkter (<span class=\"__14 _b_13\"/>4 punkter) f<span class=\"__14 _b_13\"/>\u00f6r l\u00e5n v\u00e4rderade till upplupet anska<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ff-<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:209.94055px;\">ningsv\u00e4rde. Inklusiv<span class=\"__14 _b_13\"/>e omv\u00e4rderingsf\u00f6rl<span class=\"__14 _b_13\"/>uster p\u00e5 hypoteksl\u00e5n i<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:196.41534px;\">Danmark om 13 mn euro uppgick kreditf<span class=\"__14 _b_13\"/>\u00f6rluster och liknande<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:182.89015px;\">nettoresult<span class=\"__14 _1058\"/>at till 125 mn euro, mo<span class=\"__14 _1058\"/>tsvarande 4 punk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:169.36494px;\"><span class=\"__14 _1ce\">(1 punkt). De individuellt ber</span><span class=\"__14 _b_13\"/>\u00e4knade kreditf\u00f6rlust<span class=\"__14 _b_13\"/>erna uppgic<span class=\"__14 _1ce\"> </span>k </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:155.83975px;\"><span class=\"__14 _1ce\">till 169 mn euro och drevs a</span><span class=\"__14 _b_13\"/>v genomsnittliga bortskrivningar<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:142.31454px;\">och l\u00e5ga avs\u00e4<span class=\"__14 _b_13\"/>ttningar och \u00e5terf\u00f6ringar<span class=\"__14 _b_13\"/>. De individuella avs\u00e4<span class=\"__14 _1058\"/>tt<span class=\"__14 _1ce\"> </span>-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:128.78935px;\">ningarna var in<span class=\"__14 _1058\"/>te koncen<span class=\"__14 _b_13\"/>trerade till n\u00e5gon speci\ufb01k bransch.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h5_13 ff1_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:951.68286px;\">Ratingf<span class=\"__14 _b_13\"/>\u00f6rdelning, IRK f\u00f6retagskunder<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h11_8 ff1_14 fsa_9 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:196.58978px; bottom:954.414px;\">1<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hf_13 ff2_14 fs8_12 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:755.2919px;\">1)   <span class=\"__14 _1069\"/>Faller<span class=\"__14 _b_13\"/>ade fordringar ing\u00e5r inte i ratingf<span class=\"__14 _b_13\"/>\u00f6rdelningen.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h12_7 ff5_9 fs0_14 fc0_14 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:802.6541px;\">0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h12_7 ff5_9 fs0_14 fc0_14 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:829.4809px;\">4<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h12_7 ff5_9 fs0_14 fc0_14 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:856.2986px;\">8<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h12_7 ff5_9 fs0_14 fc0_14 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:883.1163px;\">12<span class=\"__14 _1ce\"> </span></div><div class=\"c_3 w1_3 h13_5\" style=\"left:0.013267517px; bottom:774.139px;\"><div class=\"t_14 m0_14 xac_3 h12_7 y54d_3 ff5_9 fs0_14 fc0_14 sc0_14 ls0_14 ws0_14\">16<span class=\"__14 _1ce\"> </span></div></div><div class=\"t_14 m0_14 h12_7 ff5_9 fs0_14 fc0_14 sc0_14 ls16_11 ws3c_5\" style=\"left:293.08255px; bottom:794.95953px;\">1-<span class=\"__14 _1254\"/><span class=\"ls0_14 ws0_14\">1<span class=\"__14 _1255\"/><span class=\"ls16_11 ws3c_5\">1+<span class=\"__14 _1256\"/><span class=\"ls0_14 ws0_14\">2-<span class=\"__14 _1255\"/>2<span class=\"__14 _19a\"/>2+<span class=\"__14 _19b\"/>3-<span class=\"__14 _1255\"/>3<span class=\"__14 _19a\"/>3+<span class=\"__14 _19c\"/>4-<span class=\"__14 _19a\"/>4<span class=\"__14 _19d\"/>4+<span class=\"__14 _19c\"/>5-<span class=\"__14 _1255\"/>5<span class=\"__14 _19a\"/>5+<span class=\"__14 _19c\"/>6-<span class=\"__14 _1255\"/>6<span class=\"__14 _19e\"/>6+<span class=\"__14 _1ce\"> </span></span></span></span></div><div class=\"c_3 w1_3 h13_5\" style=\"left:0.013267517px; bottom:774.139px;\"><div class=\"t_14 m0_14 xae_3 h12_7 y54f_3 ff5_9 fs0_14 fc0_14 sc0_14 ls0_14 ws0_14\">%<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 x27_5 h12_7 y550_3 ff5_9 fs0_14 fc0_14 sc0_14 ls0_14 ws0_14\">2022</div><div class=\"t_14 m0_14 xaf_1 h12_7 y551_3 ff5_9 fs0_14 fc0_14 sc0_14 ls0_14 ws0_14\">2021<span class=\"__14 _1ce\"> </span></div></div><div class=\"t_14 m0_14 h5_13 ff1_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:951.6515px;\">F\u00f6r<span class=\"__14 _b_13\"/>delning mellan riskklasser<span class=\"__14 _b_13\"/>, IRK privatkunder<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h11_8 ff1_14 fsa_9 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:569.0885px; bottom:954.414px;\">1<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hf_13 ff2_14 fs8_12 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:755.2919px;\">1)   <span class=\"__14 _1069\"/>Faller<span class=\"__14 _b_13\"/>ade fordringar ing\u00e5r inte i f\u00f6r<span class=\"__14 _1058\"/>delningen mellan riskklasser<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h14_5 ff6_8 fsb_7 fc0_14 sc0_14 ls0_14 ws0_14\" style=\"left:325.77078px; bottom:803.25287px;\">0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h14_5 ff6_8 fsb_7 fc0_14 sc0_14 ls0_14 ws0_14\" style=\"left:321.88px; bottom:821.05316px;\">10<span class=\"__14 _1ce\"> </span></div><div class=\"c_3 w2_2 h15_5\" style=\"left:320.61172px; bottom:774.867px;\"><div class=\"t_14 m0_14 xac_3 h14_5 y555_3 ff6_8 fsb_7 fc0_14 sc0_14 ls0_14 ws0_14\">20<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 xac_3 h14_5 y556_3 ff6_8 fsb_7 fc0_14 sc0_14 ls0_14 ws0_14\">30<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 xac_3 h14_5 y557_3 ff6_8 fsb_7 fc0_14 sc0_14 ls0_14 ws0_14\">40<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 xac_3 h14_5 y558_3 ff6_8 fsb_7 fc0_14 sc0_14 ls0_14 ws0_14\">50<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 xac_3 h14_5 y559_3 ff6_8 fsb_7 fc0_14 sc0_14 ls0_14 ws0_14\">60<span class=\"__14 _1ce\"> </span></div></div><div class=\"t_14 m0_14 h14_5 ff6_8 fsb_7 fc0_14 sc0_14 ls27_6 ws4e_3\" style=\"left:613.4712px; bottom:795.59326px;\">1-<span class=\"__14 _1254\"/><span class=\"ls0_14 ws0_14\">1<span class=\"__14 _1255\"/><span class=\"ls27_6 ws4e_3\">1+<span class=\"__14 _1256\"/><span class=\"ls0_14 ws0_14\">2-<span class=\"__14 _19f\"/>2<span class=\"__14 _19a\"/>2+<span class=\"__14 _19b\"/>3-<span class=\"__14 _1255\"/>3<span class=\"__14 _19a\"/>3+<span class=\"__14 _19b\"/>4-<span class=\"__14 _19a\"/>4<span class=\"__14 _19d\"/>4+<span class=\"__14 _19b\"/>5-<span class=\"__14 _1255\"/>5<span class=\"__14 _19d\"/>5+<span class=\"__14 _19b\"/>6-<span class=\"__14 _1255\"/>6<span class=\"__14 _1256\"/>6+<span class=\"__14 _1ce\"> </span></span></span></span></div><div class=\"c_3 w2_2 h15_5\" style=\"left:320.61172px; bottom:774.867px;\"><div class=\"t_14 m0_14 xb2_1 h14_5 y55b_3 ff6_8 fsb_7 fc0_14 sc0_14 ls0_14 ws0_14\">%<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 xb3_1 h14_5 y55c_3 ff6_8 fsb_7 fc0_14 sc0_14 ls0_14 ws0_14\">2022</div><div class=\"t_14 m0_14 x2_13 h14_5 y55d_3 ff6_8 fsb_7 fc0_14 sc0_14 ls0_14 ws0_14\">2021<span class=\"__14 _1ce\"> </span></div></div>220<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>Redovisa<span class=\"__14 _b_13\"/>t v\u00e4rde f\u00f6r l\u00e5n v\u00e4r<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">derade till upplupet anskaffningsv</span><span class=\"__14 _1058\"/>\u00e4rde, f<span class=\"__14 _1058\"/>\u00f6re reserver<span class=\"__14 _1ce\"> </span>Centralbanker och kr<span class=\"__14 _b_13\"/>editinstitut<span class=\"__14 _15d_1\"> </span>Allm\u00e4nheten<span class=\"__14 _f9_6\"> </span>Summa<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _1073\"> </span>Kategori 2<span class=\"__14 _1f_10\"> </span>Kat<span class=\"__14 _b_13\"/>egori 3<span class=\"__14 _1157\"> </span>Summa<span class=\"__14 _1a0\"> </span>Kategori 1<span class=\"__14 _f_13\"> </span>Kategori 2<span class=\"__14 _1f_10\"> </span>Kat<span class=\"__14 _1058\"/>egori 3<span class=\"__14 _5d_6\"> </span>Summa<span class=\"__14 _1a1\"> </span>Kategori 1<span class=\"__14 _f_13\"> </span>Kategori 2<span class=\"__14 _1f_10\"> </span>Kat<span class=\"__14 _1058\"/>egori 3<span class=\"__14 _5d_6\"> </span>Summa<span class=\"__14 _1ce\"> </span>Ing\u00e5ende balans  per 1 jan 2022<span class=\"__14 _a4_6\"> </span>1 785<span class=\"__14 _7b_6\"> </span><span class=\"ls13_11 ws39_5\">14<span class=\"__14 _a1_6\"> </span></span>0<span class=\"__14 _3d_8\"> </span>1 7<span class=\"__14 _1072\"/>99<span class=\"__14 _1a2\"> </span>255 832<span class=\"__14 _6f_6\"> </span>12 7<span class=\"__14 _1072\"/>33<span class=\"__14 _1135\"> </span>3 5<span class=\"__14 _1058\"/>12<span class=\"__14 _5d_6\"> </span>27<span class=\"__14 _1072\"/>2 077<span class=\"__14 _3d_8\"> </span><span class=\"ls13_11 ws39_5\">2<span class=\"__14 _1072\"/>57 617<span class=\"__14 _5d_6\"> </span></span>12 747<span class=\"__14 _1127\"> </span>3 512<span class=\"__14 _5d_6\"> </span>273 876<span class=\"__14 _1ce\"> </span>Nya eller f\u00f6rv\u00e4rvade<span class=\"__14 _1ce\"> </span> l\u00e5nefordringar<span class=\"__14 _1156\"> </span>3 442<span class=\"__14 _1136\"> </span>1<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1135\"> </span>3 443<span class=\"__14 _3d_8\"> </span>87 051<span class=\"__14 _1115\"> </span>536<span class=\"__14 _5f_6\"> </span>81<span class=\"__14 _1223\"> </span>87 668<span class=\"__14 _3f_8\"> </span>90 493<span class=\"__14 _1154\"> </span>537<span class=\"__14 _5f_6\"> </span>81<span class=\"__14 _1096\"> </span>91 111<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar mellan<span class=\"__14 _1ce\"> </span> kategori 1 och 2,<span class=\"__14 _1ce\"> </span> netto<span class=\"__14 _1207\"> </span>5<span class=\"__14 _6a_6\"> </span>-5<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _1154\"> </span>-950<span class=\"__14 _8f_6\"> </span>950<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _a6_7\"> </span>-945<span class=\"__14 _8f_6\"> </span>945<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar mellan<span class=\"__14 _1ce\"> </span> kategori 2 och 3,<span class=\"__14 _1ce\"> </span> netto<span class=\"__14 _1085\"> </span>\u2013<span class=\"__14 _fc_7\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _1106\"> </span>\u2013<span class=\"__14 _1096\"> </span><span class=\"ls13_11 ws39_5\">-147<span class=\"__14 _1149\"> </span>147<span class=\"__14 _1156\"> </span></span>\u2013<span class=\"__14 _1102\"> </span>\u2013<span class=\"__14 _1096\"> </span><span class=\"ls13_11 ws39_5\">-147<span class=\"__14 _1149\"> </span>14<span class=\"__14 _1072\"/>7<span class=\"__14 _1156\"> </span></span>\u2013<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar mellan<span class=\"__14 _1ce\"> </span> kategori 1 och 3,<span class=\"__14 _1ce\"> </span> netto<span class=\"__14 _1a3\"> </span><span class=\"ls13_11 ws39_5\">-18<span class=\"__14 _1130\"> </span></span>\u2013<span class=\"__14 _1120\"> </span>18<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _8c_6\"> </span><span class=\"ls26_6 ws4c_3\">-23<span class=\"__14 _1072\"/>8<span class=\"__14 _1129\"> </span></span>\u2013<span class=\"__14 _1098\"> </span>238<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _a5_7\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _1072\"/>56<span class=\"__14 _1129\"> </span></span>\u2013<span class=\"__14 _1098\"> </span>2<span class=\"__14 _1072\"/>56<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _1ce\"> </span>\u00c5terbetalda eller<span class=\"__14 _1ce\"> </span> borttagna l\u00e5ne-<span class=\"__14 _1ce\"> </span>fordringar<span class=\"__14 _1092\"> </span>-3 562<span class=\"__14 _1113\"> </span><span class=\"ls28_6 ws4f_3\">-4<span class=\"__14 _a1_6\"> </span></span>0<span class=\"__14 _6f_6\"> </span>-3 566<span class=\"__14 _5d_6\"> </span>-58 471<span class=\"__14 _1a4\"> </span>-2 235<span class=\"__14 _3f_8\"> </span>-612<span class=\"__14 _1135\"> </span>-61 318<span class=\"__14 _3d_8\"> </span>-62 033<span class=\"__14 _5d_6\"> </span>-2 239<span class=\"__14 _3f_8\"> </span>-612<span class=\"__14 _5d_6\"> </span>-64 884<span class=\"__14 _1ce\"> </span>Bortskrivna<span class=\"__14 _1ce\"> </span> l\u00e5nefordringar<span class=\"__14 _16a\"> </span>\u2013<span class=\"__14 _1130\"> </span>\u2013<span class=\"__14 _7b_6\"> </span>-5<span class=\"__14 _7c_6\"> </span>-5<span class=\"__14 _da_6\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _3f_8\"> </span>-701<span class=\"__14 _7b_6\"> </span>-701<span class=\"__14 _1102\"> </span>\u2013<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _8b_6\"> </span>-706<span class=\"__14 _1118\"> </span>-706<span class=\"__14 _1ce\"> </span>\u00d6vriga f\u00f6r\u00e4ndringar<span class=\"__14 _1ce\"> </span>1<span class=\"__14 _1ce\"> </span>579<span class=\"__14 _1136\"> </span><span class=\"ls0_14 ws0_14\">1<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _8f_6\"> </span>580<span class=\"__14 _1a4\"> </span>-13 812<span class=\"__14 _a0_6\"> </span>1 199<span class=\"__14 _a0_6\"> </span>-383<span class=\"__14 _1127\"> </span>-12 996<span class=\"__14 _8b_6\"> </span>-13 233<span class=\"__14 _1223\"> </span>1 200<span class=\"__14 _a0_6\"> </span>-383<span class=\"__14 _3d_8\"> </span>-12 416<span class=\"__14 _1ce\"> </span></span>V<span class=\"__14 _b_13\"/>alutakurs-<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">differenser</span><span class=\"__14 _1142\"> </span><span class=\"ls13_11 ws39_5\">614<span class=\"__14 _1104\"> </span></span>0<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _1154\"> </span><span class=\"ls13_11 ws39_5\">6<span class=\"__14 _1072\"/>14<span class=\"__14 _8b_6\"> </span></span>-7 672<span class=\"__14 _1119\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _1072\"/>57<span class=\"__14 _1149\"> </span></span>-40<span class=\"__14 _5a_6\"> </span>-<span class=\"__14 _1058\"/>7 969<span class=\"__14 _1098\"> </span>-7 058<span class=\"__14 _1119\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _1072\"/>57<span class=\"__14 _1149\"> </span></span>-40<span class=\"__14 _3b_8\"> </span>-7 355<span class=\"__14 _1ce\"> </span>Utg\u00e5ende balans  per 31 dec 2022<span class=\"__14 _1136\"> </span>2 845<span class=\"__14 _1104\"> </span>7<span class=\"__14 _1120\"> </span>13<span class=\"__14 _1135\"> </span>2 865<span class=\"__14 _1a5\"> </span>261 7<span class=\"__14 _b_13\"/>40<span class=\"__14 _6f_6\"> </span>12 77<span class=\"__14 _1072\"/>9<span class=\"__14 _1a4\"> </span><span class=\"ls26_6 ws4c_3\">2<span class=\"__14 _1072\"/> 242<span class=\"__14 _1123\"> </span></span>276 761<span class=\"__14 _1074\"> </span>264 585<span class=\"__14 _6f_6\"> </span>12 786<span class=\"__14 _1a4\"> </span>2 255<span class=\"__14 _6f_6\"> </span>279 626<span class=\"__14 _1ce\"> </span>1)  \u00d6vriga f\u00f6r\u00e4ndringar a<span class=\"__14 _b_13\"/>vser fr\u00e4mst f\u00f6r\u00e4ndr<span class=\"__14 _1058\"/>at utnyttjande a<span class=\"__14 _1058\"/>v kreditramar som beviljats tidigar<span class=\"__14 _b_13\"/>e \u00e5r.<span class=\"__14 _1ce\"> </span>Centralbanker och kr<span class=\"__14 _b_13\"/>editinstitut<span class=\"__14 _1a6\"> </span>Allm\u00e4nheten<span class=\"__14 _f9_6\"> </span>Summa<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _f_13\"> </span>Kategori 2<span class=\"__14 _1f_10\"> </span>Kat<span class=\"__14 _1058\"/>egori 3<span class=\"__14 _1157\"> </span>Summa<span class=\"__14 _17f\"> </span>Kategori 1<span class=\"__14 _f_13\"> </span>Kategori 2<span class=\"__14 _1f_10\"> </span>Kategori 3<span class=\"__14 _6f_6\"> </span>Summa<span class=\"__14 _1a1\"> </span>Kategori 1<span class=\"__14 _f_13\"> </span>Kategori 2<span class=\"__14 _1f_10\"> </span>Kategori 3<span class=\"__14 _5d_6\"> </span>Summa<span class=\"__14 _1ce\"> </span>Ing\u00e5ende balans  per 1 jan 2021<span class=\"__14 _1111\"> </span>4 351<span class=\"__14 _7b_6\"> </span>58<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _1123\"> </span>4 409 <span class=\"__14 _1a7\"> </span>241 672<span class=\"__14 _6f_6\"> </span>13 782 <span class=\"__14 _1a5\"> </span>3 979 <span class=\"__14 _1a8\"> </span>259 433<span class=\"__14 _1123\"> </span>246 023<span class=\"__14 _1a2\"> </span>13 840<span class=\"__14 _1a4\"> </span>3 979 <span class=\"__14 _1a7\"> </span>263 84<span class=\"__14 _1072\"/>2<span class=\"__14 _1ce\"> </span>Nya eller f\u00f6rv\u00e4rvade<span class=\"__14 _1ce\"> </span> l\u00e5nefordringar<span class=\"__14 _be_7\"> </span>377<span class=\"__14 _1129\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _8c_6\"> </span>377<span class=\"__14 _1135\"> </span>68 158<span class=\"__14 _1117\"> </span>1 326<span class=\"__14 _1118\"> </span>83<span class=\"__14 _1117\"> </span>69 567<span class=\"__14 _5a_6\"> </span>68 535<span class=\"__14 _1117\"> </span>1 326<span class=\"__14 _1118\"> </span>83<span class=\"__14 _3d_8\"> </span>69 944<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar mellan<span class=\"__14 _1ce\"> </span> kategori 1 och 2,<span class=\"__14 _1ce\"> </span> netto<span class=\"__14 _1207\"> </span>0<span class=\"__14 _1129\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _1121\"> </span>-341<span class=\"__14 _1154\"> </span>341<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _7c_6\"> </span>-341<span class=\"__14 _1154\"> </span>341<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar mellan<span class=\"__14 _1ce\"> </span> kategori 2 och 3,<span class=\"__14 _1ce\"> </span> netto<span class=\"__14 _1085\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _da_6\"> </span>\u2013 <span class=\"__14 _a0_6\"> </span>-266<span class=\"__14 _1119\"> </span>266<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _1102\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>-266<span class=\"__14 _1119\"> </span>266<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar mellan<span class=\"__14 _1ce\"> </span> kategori 1 och 3,<span class=\"__14 _1ce\"> </span> netto<span class=\"__14 _1085\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _1118\"> </span><span class=\"ls13_11 ws39_5\">-152<span class=\"__14 _1129\"> </span></span>\u2013<span class=\"__14 _1149\"> </span>152<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _7c_6\"> </span><span class=\"ls13_11 ws39_5\">-1<span class=\"__14 _1072\"/>52<span class=\"__14 _1129\"> </span></span>\u2013<span class=\"__14 _1149\"> </span>152<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _1ce\"> </span>\u00c5terbetalda eller<span class=\"__14 _1ce\"> </span> borttagna l\u00e5ne-<span class=\"__14 _1ce\"> </span>fordringar<span class=\"__14 _16a\"> </span>-1 231<span class=\"__14 _8c_6\"> </span>-50 <span class=\"__14 _1118\"> </span><span class=\"ls26_6 ws4c_3\">-2 <span class=\"__14 _1a5\"> </span></span>-1 283 <span class=\"__14 _1a8\"> </span>-63 728<span class=\"__14 _6f_6\"> </span>-2 669<span class=\"__14 _1117\"> </span><span class=\"ls28_6 ws4f_3\">-443<span class=\"__14 _6f_6\"> </span></span>-66 840<span class=\"__14 _1135\"> </span>-64 959<span class=\"__14 _1123\"> </span>-2 719<span class=\"__14 _1117\"> </span>-445<span class=\"__14 _1127\"> </span>-68 123<span class=\"__14 _1ce\"> </span>Bortskrivna<span class=\"__14 _1ce\"> </span> l\u00e5nefordringar<span class=\"__14 _16a\"> </span>\u2013<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _1106\"> </span>\u2013 <span class=\"__14 _4c_6\"> </span>\u2013 <span class=\"__14 _1123\"> </span>-<span class=\"__14 _1072\"/>490<span class=\"__14 _1121\"> </span>-490<span class=\"__14 _1102\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _3d_8\"> </span>-<span class=\"__14 _1072\"/>490<span class=\"__14 _1121\"> </span>-490<span class=\"__14 _1ce\"> </span>\u00d6vriga f\u00f6r\u00e4ndringar<span class=\"__14 _1ce\"> </span>1<span class=\"__14 _1ce\"> </span>-1 601<span class=\"__14 _1129\"> </span>6<span class=\"__14 _1130\"> </span>2 <span class=\"__14 _1a9\"> </span>-1 593<span class=\"__14 _5a_6\"> </span>9 854<span class=\"__14 _8c_6\"> </span>165<span class=\"__14 _1149\"> </span>-85<span class=\"__14 _1096\"> </span>9 934<span class=\"__14 _1121\"> </span>8 253<span class=\"__14 _1121\"> </span><span class=\"ls13_11 ws39_5\">171<span class=\"__14 _8f_6\"> </span></span>-83<span class=\"__14 _1115\"> </span>8 341<span class=\"__14 _1ce\"> </span>V<span class=\"__14 _b_13\"/>alutakurs-<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">differenser</span><span class=\"__14 _1aa\"> </span>-111 <span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1115\"> </span>-<span class=\"__14 _b_13\"/>111<span class=\"__14 _7b_6\"> </span>369<span class=\"__14 _1113\"> </span>53<span class=\"__14 _1118\"> </span>50<span class=\"__14 _7c_6\"> </span>473<span class=\"__14 _fc_7\"> </span>2<span class=\"__14 _1072\"/>58<span class=\"__14 _a6_7\"> </span>54<span class=\"__14 _1118\"> </span>50<span class=\"__14 _7c_6\"> </span>362<span class=\"__14 _1ce\"> </span>Utg\u00e5ende balans  per 31 dec 2021<span class=\"__14 _8d_6\"> </span>1 785 <span class=\"__14 _1118\"> </span><span class=\"ls13_11 ws39_5\">14<span class=\"__14 _1072\"/> <span class=\"__14 _1113\"> </span></span>0<span class=\"__14 _3d_8\"> </span>1 799 <span class=\"__14 _1124\"> </span>2<span class=\"__14 _1072\"/>55 832<span class=\"__14 _6f_6\"> </span>12 7<span class=\"__14 _1072\"/>33<span class=\"__14 _1127\"> </span>3 512<span class=\"__14 _1074\"> </span>27<span class=\"__14 _1072\"/>2 077<span class=\"__14 _3d_8\"> </span><span class=\"ls13_11 ws39_5\">257 6<span class=\"__14 _1072\"/>17<span class=\"__14 _5d_6\"> </span></span>12 7<span class=\"__14 _b_13\"/>47<span class=\"__14 _1135\"> </span>3 512<span class=\"__14 _6f_6\"> </span>27<span class=\"__14 _1072\"/>3 876<span class=\"__14 _1ce\"> </span>1)  \u00d6vriga f\u00f6r\u00e4ndringar a<span class=\"__14 _b_13\"/>vser fr\u00e4mst \u00f6kat utnyttjande a<span class=\"__14 _1058\"/>v kreditramar som beviljats tidigar<span class=\"__14 _b_13\"/>e \u00e5r<span class=\"__14 _1ce\"> </span>.<span class=\"__14 _1ce\"> </span>Reserveringarna enligt ledningens bed\u00f6mning minskade<span class=\"__14 _1ce\"> </span> med 25 mn euro under \u00e5ret, fr\u00e5n 610 mn euro till 585 mn<span class=\"__14 _1ce\"> </span> euro. De cykliska r<span class=\"__14 _1058\"/>eserveringarna enligt ledningens bed\u00f6m-<span class=\"__14 _1ce\"> </span>ning uppgick till 430 mn euro vid \u00e5rets slut, ner fr\u00e5n 455 mn<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">euro. Under fj\u00e4rde kv</span><span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>talet 2022 gjordes en ny ber<span class=\"__14 _b_13\"/>\u00e4kning av<span class=\"__14 _1ce\"> </span> de cykliska reserveringarna enligt ledningens bed\u00f6mning<span class=\"__14 _1ce\"> </span> mot bakgrund a<span class=\"__14 _b_13\"/>v de extraordin\u00e4r<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">a effekterna a</span><span class=\"__14 _b_13\"/>v h\u00f6gre<span class=\"__14 _1ce\"> </span> energi- och levnadskos<span class=\"__14 _b_13\"/>tnader, sam<span class=\"__14 _b_13\"/>tidigt som mindre h\u00e4nsyn<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">togs till eff</span><span class=\"__14 _1058\"/>ekter orsakade a<span class=\"__14 _b_13\"/>v pandemin. Reserveringarnas till-<span class=\"__14 _1ce\"> </span>r\u00e4cklighet analys<span class=\"__14 _1058\"/>erades utifr<span class=\"__14 _b_13\"/>\u00e5n hur h\u00f6gre kostnader och l\u00e4gre<span class=\"__14 _1ce\"> </span> konsumtion sk<span class=\"__14 _b_13\"/>ulle kunna sl\u00e5 mot olika sekt<span class=\"__14 _1058\"/>orer i n\u00e4ringslivet.<span class=\"__14 _1ce\"> </span> De struk<span class=\"__14 _1058\"/>turella reserveringarna enligt ledningens bed\u00f6mning<span class=\"__14 _1ce\"> </span> l\u00e4mnades of<span class=\"__14 _1058\"/>\u00f6r\u00e4ndrade p\u00e5 155 mn eur<span class=\"__14 _b_13\"/>o och avser planerade<span class=\"__14 _1ce\"> </span> f\u00f6rb\u00e4<span class=\"__14 _b_13\"/>ttringar av modeller och processer f<span class=\"__14 _b_13\"/>\u00f6r avs\u00e4ttningar<span class=\"__14 _1c_10\"/>.<span class=\"__14 _1ce\"> </span>Kreditf<span class=\"__14 _1058\"/>\u00f6rluster och n<span class=\"__14 _1058\"/>yckel<span class=\"__14 _b_13\"/>tal<span class=\"__14 _1ce\"> </span>2022<span class=\"__14 _1124\"> </span>2021<span class=\"__14 _1ce\"> </span>Kreditf\u00f6rl<span class=\"__14 _1058\"/>uster<span class=\"__14 _b_13\"/>, mn euro<span class=\"__14 _3e_8\"> </span>112<span class=\"__14 _1a9\"> </span>118<span class=\"__14 _1ce\"> </span>Kreditf\u00f6rl<span class=\"__14 _1058\"/>ustrelation nett<span class=\"__14 _1058\"/>o, upplupet  <span class=\"__14 _1ce\">anskaffningsv\u00e4r</span><span class=\"__14 _b_13\"/>de, koncernen, punkter<span class=\"__14 _15d_1\"> </span>4<span class=\"__14 _1096\"> </span>4<span class=\"__14 _1ce\"> </span>- vara<span class=\"__14 _b_13\"/>v kategori 3<span class=\"__14 _df_6\"> </span>3<span class=\"__14 _1117\"> </span>12<span class=\"__14 _1ce\"> </span>- vara<span class=\"__14 _b_13\"/>v kategori 1 och 2<span class=\"__14 _1126\"> </span>1<span class=\"__14 _1223\"> </span>-8<span class=\"__14 _1ce\"> </span>Kreditf\u00f6rl<span class=\"__14 _1058\"/>ustrelation nett<span class=\"__14 _1058\"/>o, inklusive h<span class=\"__14 _1058\"/>ypoteksl\u00e5n  till verkligt v\u00e4rde, k<span class=\"__14 _1058\"/>oncernen, punkt<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">er1</span><span class=\"__14 _1172\"> </span>4<span class=\"__14 _8f_6\"> </span>1<span class=\"__14 _1ce\"> </span>Kreditf\u00f6rl<span class=\"__14 _1058\"/>ustrelation nett<span class=\"__14 _1058\"/>o, inklusive h<span class=\"__14 _1058\"/>ypoteksl\u00e5n  till verkligt v\u00e4rde, P<span class=\"__14 _b_13\"/>ersonal Banking, punkter<span class=\"__14 _1088\"> </span>3<span class=\"__14 _1115\"> </span>1<span class=\"__14 _1ce\"> </span>Kreditf\u00f6rl<span class=\"__14 _1058\"/>ustrelation nett<span class=\"__14 _1058\"/>o, inklusive h<span class=\"__14 _1058\"/>ypoteksl\u00e5n  till verkligt v\u00e4rde, Business Banking, punk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1088\"> </span>5<span class=\"__14 _1096\"> </span>0<span class=\"__14 _1ce\"> </span>Kreditf\u00f6rl<span class=\"__14 _1058\"/>ustrelation nett<span class=\"__14 _1058\"/>o, inklusive h<span class=\"__14 _1058\"/>ypoteksl\u00e5n till<span class=\"__14 _1ce\"> </span> verkligt v\u00e4rde, L<span class=\"__14 _1058\"/>arge Corpora<span class=\"__14 _1058\"/>tes &amp; Institutions, punk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _3b_8\"> </span>-9<span class=\"__14 _1149\"> </span>2<span class=\"__14 _1ce\"> </span>1)  Kreditf\u00f6rlust<span class=\"__14 _1058\"/>er och nettoresulta<span class=\"__14 _1058\"/>t av utl\u00e5ning i portf\u00f6ljer som h\u00e5lls till f<span class=\"__14 _b_13\"/>\u00f6rfall och obl-<span class=\"__14 _1ce\"> </span>ligatoriskt v<span class=\"__14 _b_13\"/>\u00e4rderas till verkligt v\u00e4rde dividerat med to<span class=\"__14 _b_13\"/>tal utl\u00e5ning v\u00e4rderad till upp-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">lupet anskaffningsv\u00e4r</span><span class=\"__14 _b_13\"/>de och verkligt v\u00e4rde, punkter<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>221<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>Centralbanker och kr<span class=\"__14 _b_13\"/>editinstitut<span class=\"__14 _1225\"> </span>Allm\u00e4nheten<span class=\"__14 _8a_6\"> </span>Summa<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _1f_10\"> </span>Kategori 2<span class=\"__14 _1f_10\"> </span>Kat<span class=\"__14 _1058\"/>egori 3<span class=\"__14 _1076\"> </span>Summa<span class=\"__14 _a_13\"> </span>Kategori 1<span class=\"__14 _1ab\"> </span>Kategori 2<span class=\"__14 _1ac\"> </span>Kategori 3<span class=\"__14 _1a2\"> </span>Summa<span class=\"__14 _e_13\"> </span>Kategori 1<span class=\"__14 _1ab\"> </span>Kategori 2<span class=\"__14 _1ac\"> </span>Kategori 3<span class=\"__14 _1a2\"> </span>Summa<span class=\"__14 _1ce\"> </span>Ing\u00e5ende balans  per 1 jan 2021<span class=\"__14 _1ad\"> </span>-3<span class=\"__14 _1113\"> </span><span class=\"ls13_11 ws39_5\">-1 <span class=\"__14 _1113\"> </span></span>0<span class=\"__14 _3d_8\"> </span><span class=\"ls28_6 ws4f_3\">-4<span class=\"__14 _1119\"> </span></span>-281<span class=\"__14 _1a4\"> </span><span class=\"ls28_6 ws4f_3\">-489<span class=\"__14 _a0_6\"> </span></span>-1 674<span class=\"__14 _1135\"> </span>-2 444<span class=\"__14 _5a_6\"> </span>-284<span class=\"__14 _1a4\"> </span>-490<span class=\"__14 _8b_6\"> </span>-1 67<span class=\"__14 _1058\"/>4<span class=\"__14 _3d_8\"> </span>-<span class=\"__14 _b_13\"/>2 448<span class=\"__14 _1ce\"> </span>Nya eller f\u00f6rv\u00e4rvade<span class=\"__14 _1ce\"> </span> l\u00e5nefordringar<span class=\"__14 _4a_6\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _1130\"> </span></span>0<span class=\"__14 _7c_6\"> </span>\u2013<span class=\"__14 _a0_6\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _1118\"> </span><span class=\"ls13_11 ws39_5\">-51<span class=\"__14 _1096\"> </span></span>-22<span class=\"__14 _1147\"> </span></span>-8<span class=\"__14 _7c_6\"> </span>-81<span class=\"__14 _1121\"> </span>-53<span class=\"__14 _1098\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _1072\"/>2<span class=\"__14 _1147\"> </span></span>-8<span class=\"__14 _a5_7\"> </span>-83<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori<span class=\"__14 _1ce\"> </span> 1 till kategori 2<span class=\"__14 _1ad\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>0<span class=\"__14 _1136\"> </span>9<span class=\"__14 _1ae\"> </span>-108<span class=\"__14 _1106\"> </span>\u2013<span class=\"__14 _a5_7\"> </span>-99<span class=\"__14 _1136\"> </span>9<span class=\"__14 _1135\"> </span>-108<span class=\"__14 _1106\"> </span>\u2013<span class=\"__14 _a5_7\"> </span>-99<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori<span class=\"__14 _1ce\"> </span> 1 till kategori 3<span class=\"__14 _1ad\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>0<span class=\"__14 _1148\"> </span>1<span class=\"__14 _a6_7\"> </span>\u2013<span class=\"__14 _6a_6\"> </span>-33<span class=\"__14 _7c_6\"> </span>-32<span class=\"__14 _1147\"> </span>1<span class=\"__14 _1113\"> </span>\u2013<span class=\"__14 _7c_6\"> </span>-33<span class=\"__14 _6a_6\"> </span>-32<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori<span class=\"__14 _1ce\"> </span> 2 till kategori 1<span class=\"__14 _1ad\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>0<span class=\"__14 _7c_6\"> </span>-3<span class=\"__14 _5a_6\"> </span>100<span class=\"__14 _da_6\"> </span>\u2013<span class=\"__14 _1129\"> </span><span class=\"ls29_6 ws50_3\">97<span class=\"__14 _4c_6\"> </span></span>-3<span class=\"__14 _5a_6\"> </span>100<span class=\"__14 _1106\"> </span>\u2013<span class=\"__14 _1129\"> </span><span class=\"ls29_6 ws50_3\">97<span class=\"__14 _1ce\"> </span></span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori<span class=\"__14 _1ce\"> </span> 2 till kategori 3<span class=\"__14 _1214\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _5a_6\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _1154\"> </span>28<span class=\"__14 _1118\"> </span><span class=\"ls13_11 ws39_5\">-152<span class=\"__14 _1121\"> </span><span class=\"ls26_6 ws4c_3\">-1<span class=\"__14 _1072\"/>24<span class=\"__14 _1129\"> </span></span></span>\u2013<span class=\"__14 _1154\"> </span>28<span class=\"__14 _1118\"> </span><span class=\"ls13_11 ws39_5\">-152<span class=\"__14 _1121\"> </span><span class=\"ls26_6 ws4c_3\">-1<span class=\"__14 _1072\"/>24<span class=\"__14 _1ce\"> </span></span></span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori<span class=\"__14 _1ce\"> </span> 3 till kategori 1<span class=\"__14 _2f_8\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>\u2013<span class=\"__14 _a1_6\"> </span><span class=\"ls13_11 ws39_5\">-1<span class=\"__14 _1113\"> </span></span>\u2013<span class=\"__14 _1136\"> </span>22<span class=\"__14 _1147\"> </span>21<span class=\"__14 _4c_6\"> </span><span class=\"ls13_11 ws39_5\">-1<span class=\"__14 _1113\"> </span></span>\u2013<span class=\"__14 _1136\"> </span>22<span class=\"__14 _1147\"> </span>21<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori<span class=\"__14 _1ce\"> </span> 3 till kategori 2<span class=\"__14 _1214\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _5a_6\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _5f_6\"> </span><span class=\"ls13_11 ws39_5\">-1<span class=\"__14 _1129\"> </span></span>38<span class=\"__14 _1136\"> </span>37<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _5f_6\"> </span><span class=\"ls13_11 ws39_5\">-1<span class=\"__14 _1104\"> </span></span>38<span class=\"__14 _1136\"> </span>37<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndringar i kr<span class=\"__14 _1058\"/>edit-<span class=\"__14 _1ce\"> </span> risk utan \u00f6verf\u00f6ringar<span class=\"__14 _1ce\"> </span> mellan kategorier<span class=\"__14 _15a_1\"> </span>0<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _3b_8\"> </span>0<span class=\"__14 _1113\"> </span><span class=\"ls29_6 ws50_3\">97<span class=\"__14 _8c_6\"> </span></span>22<span class=\"__14 _1121\"> </span><span class=\"ls13_11 ws39_5\">-12<span class=\"__14 _1072\"/>5<span class=\"__14 _1147\"> </span></span>-6<span class=\"__14 _1113\"> </span><span class=\"ls29_6 ws50_3\">97<span class=\"__14 _8c_6\"> </span></span>22<span class=\"__14 _1118\"> </span><span class=\"ls13_11 ws39_5\">-125<span class=\"__14 _1147\"> </span></span>-6<span class=\"__14 _1ce\"> </span>\u00c5terbetalda eller s\u00e5lda<span class=\"__14 _1ce\"> </span> l\u00e5nefordringar<span class=\"__14 _1222\"> </span>2<span class=\"__14 _1104\"> </span>1<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _3b_8\"> </span>3 <span class=\"__14 _5f_6\"> </span>37<span class=\"__14 _8c_6\"> </span><span class=\"ls2a_6 ws51_3\">72<span class=\"__14 _1130\"> </span></span>89<span class=\"__14 _a6_7\"> </span>198<span class=\"__14 _1113\"> </span>39<span class=\"__14 _8c_6\"> </span><span class=\"ls2b_6 ws52_3\">73<span class=\"__14 _1130\"> </span></span>89<span class=\"__14 _a5_7\"> </span>201<span class=\"__14 _1ce\"> </span>Bortskrivna l\u00e5ne-<span class=\"__14 _1ce\"> </span>fordringar med minskning<span class=\"__14 _1ce\"> </span> av reserver<span class=\"__14 _1af\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _5a_6\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _a6_7\"> </span>\u2013<span class=\"__14 _7b_6\"> </span>260<span class=\"__14 _1120\"> </span>260<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _1113\"> </span>\u2013<span class=\"__14 _1120\"> </span>260<span class=\"__14 _1120\"> </span>260<span class=\"__14 _1ce\"> </span>V<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">alutakursdifferenser</span><span class=\"__14 _1200\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>0<span class=\"__14 _4c_6\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _5f_6\"> </span><span class=\"ls13_11 ws39_5\">-1<span class=\"__14 _4c_6\"> </span></span>-27<span class=\"__14 _6a_6\"> </span></span>-30<span class=\"__14 _4c_6\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _5f_6\"> </span><span class=\"ls13_11 ws39_5\">-1<span class=\"__14 _4c_6\"> </span></span>-27<span class=\"__14 _6a_6\"> </span></span>-30<span class=\"__14 _1ce\"> </span>Utg\u00e5ende balans  per 31 dec 2021<span class=\"__14 _1ce\"> </span>-3<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _1223\"> </span>-3<span class=\"__14 _3b_8\"> </span>-194<span class=\"__14 _1127\"> </span>-399<span class=\"__14 _a0_6\"> </span>-1 610<span class=\"__14 _1117\"> </span>-2 203<span class=\"__14 _1119\"> </span><span class=\"ls13_11 ws39_5\">-197<span class=\"__14 _1135\"> </span></span>-399<span class=\"__14 _a0_6\"> </span>-1 610<span class=\"__14 _1223\"> </span>-2 206<span class=\"__14 _1ce\"> </span>T<span class=\"__14 _1c_10\"/>abellerna visar f\u00f6r\u00e4ndringar i e<span class=\"__14 _b_13\"/>xponering/reserver f\u00f6r v<span class=\"__14 _b_13\"/>arje kategori under \u00e5ret. Om en exponering \u00f6verf<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>s fr\u00e5n ka<span class=\"__14 _b_13\"/>tegori 1 till<span class=\"__14 _1ce\"> </span> kategori 2, g\u00f6rs en \u00e5t<span class=\"__14 _1058\"/>erf\u00f6ring i kat<span class=\"__14 _b_13\"/>egori 1 och en \u00f6kning i kategori 2.<span class=\"__14 _1ce\"> </span>F\u00f6r<span class=\"__14 _b_13\"/>\u00e4ndring av reserver f<span class=\"__14 _b_13\"/>\u00f6r l\u00e5n v\u00e4rderade till upplupet anska<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ffningsv\u00e4rde<span class=\"__14 _1ce\"> </span></span>Centralbanker och kr<span class=\"__14 _b_13\"/>editinstitut<span class=\"__14 _1225\"> </span>Allm\u00e4nheten<span class=\"__14 _8a_6\"> </span>Summa<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _1f_10\"> </span>Kategori 2<span class=\"__14 _1f_10\"> </span>Kat<span class=\"__14 _1058\"/>egori 3<span class=\"__14 _1076\"> </span>Summa<span class=\"__14 _a_13\"> </span>Kategori 1<span class=\"__14 _1ab\"> </span>Kategori 2<span class=\"__14 _1ac\"> </span>Kategori 3<span class=\"__14 _1a2\"> </span>Summa<span class=\"__14 _e_13\"> </span>Kategori 1<span class=\"__14 _1ab\"> </span>Kategori 2<span class=\"__14 _1ac\"> </span>Kategori 3<span class=\"__14 _1a2\"> </span>Summa<span class=\"__14 _1ce\"> </span>Ing\u00e5ende balans  per 1 jan 2022<span class=\"__14 _2f_8\"> </span>-3<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _1117\"> </span>-3<span class=\"__14 _4e_6\"> </span>-194<span class=\"__14 _1127\"> </span>-399<span class=\"__14 _8b_6\"> </span>-1 610<span class=\"__14 _1117\"> </span>-2 203<span class=\"__14 _3b_8\"> </span><span class=\"ls13_11 ws39_5\">-1<span class=\"__14 _1072\"/>97<span class=\"__14 _1127\"> </span></span>-399<span class=\"__14 _8b_6\"> </span>-1 610<span class=\"__14 _1223\"> </span>-2 206<span class=\"__14 _1ce\"> </span>Nya eller f\u00f6rv\u00e4rvade<span class=\"__14 _1ce\"> </span> l\u00e5nefordringar<span class=\"__14 _4a_6\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _1130\"> </span></span>0<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _1117\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _8c_6\"> </span></span>-69<span class=\"__14 _3b_8\"> </span>-30<span class=\"__14 _1147\"> </span>-8<span class=\"__14 _1121\"> </span>-107<span class=\"__14 _5f_6\"> </span><span class=\"ls2c_6 ws53_3\">-71<span class=\"__14 _3b_8\"> </span></span>-30<span class=\"__14 _1147\"> </span>-8<span class=\"__14 _8c_6\"> </span>-109<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori 1<span class=\"__14 _1ce\"> </span> till kategori 2<span class=\"__14 _1225\"> </span>0<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>0<span class=\"__14 _1136\"> </span>4<span class=\"__14 _3b_8\"> </span><span class=\"ls29_6 ws50_3\">-<span class=\"__14 _1072\"/>97<span class=\"__14 _1106\"> </span></span>\u2013<span class=\"__14 _6a_6\"> </span>-93<span class=\"__14 _1136\"> </span>4<span class=\"__14 _3b_8\"> </span><span class=\"ls29_6 ws50_3\">-<span class=\"__14 _1072\"/>97<span class=\"__14 _1106\"> </span></span>\u2013<span class=\"__14 _6a_6\"> </span>-93<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori 1<span class=\"__14 _1ce\"> </span> till kategori 3<span class=\"__14 _1225\"> </span>0<span class=\"__14 _7c_6\"> </span>\u2013<span class=\"__14 _a6_7\"> </span>-5<span class=\"__14 _1223\"> </span>-5<span class=\"__14 _1148\"> </span>1<span class=\"__14 _a6_7\"> </span>\u2013<span class=\"__14 _1113\"> </span>-60<span class=\"__14 _6a_6\"> </span>-59<span class=\"__14 _1148\"> </span>1<span class=\"__14 _a6_7\"> </span>\u2013<span class=\"__14 _a5_7\"> </span>-65<span class=\"__14 _a5_7\"> </span>-64<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori 2<span class=\"__14 _1ce\"> </span> till kategori 1<span class=\"__14 _1b0\"> </span>0<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _3b_8\"> </span>0<span class=\"__14 _7c_6\"> </span>-5<span class=\"__14 _1154\"> </span><span class=\"ls13_11 ws39_5\">76<span class=\"__14 _da_6\"> </span></span>\u2013<span class=\"__14 _1147\"> </span>71<span class=\"__14 _7c_6\"> </span>-5<span class=\"__14 _8c_6\"> </span><span class=\"ls13_11 ws39_5\">76<span class=\"__14 _1106\"> </span></span>\u2013<span class=\"__14 _1147\"> </span>71<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori 2<span class=\"__14 _1ce\"> </span> till kategori 3<span class=\"__14 _1210\"> </span>\u2013<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _4e_6\"> </span>0<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _8c_6\"> </span>10<span class=\"__14 _a5_7\"> </span>-89<span class=\"__14 _6a_6\"> </span><span class=\"ls2c_6 ws53_3\">-7<span class=\"__14 _1072\"/>9<span class=\"__14 _1129\"> </span></span>\u2013<span class=\"__14 _8c_6\"> </span>10<span class=\"__14 _a5_7\"> </span>-89<span class=\"__14 _7c_6\"> </span><span class=\"ls2c_6 ws53_3\">-79<span class=\"__14 _1ce\"> </span></span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori 3<span class=\"__14 _1ce\"> </span> till kategori 1<span class=\"__14 _1225\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>\u2013<span class=\"__14 _1129\"> </span>0<span class=\"__14 _1113\"> </span>\u2013<span class=\"__14 _1136\"> </span>27<span class=\"__14 _1136\"> </span>27<span class=\"__14 _1129\"> </span>0<span class=\"__14 _1113\"> </span>\u2013<span class=\"__14 _1136\"> </span>27<span class=\"__14 _1136\"> </span>27<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori 3<span class=\"__14 _1ce\"> </span> till kategori 2<span class=\"__14 _1b1\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _5a_6\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _1121\"> </span>-6<span class=\"__14 _1129\"> </span>29<span class=\"__14 _1129\"> </span><span class=\"ls28_6 ws4f_3\">23<span class=\"__14 _1104\"> </span></span>\u2013<span class=\"__14 _1121\"> </span>-6<span class=\"__14 _1129\"> </span>29<span class=\"__14 _1136\"> </span><span class=\"ls28_6 ws4f_3\">23<span class=\"__14 _1ce\"> </span></span>F\u00f6r\u00e4ndringar i kr<span class=\"__14 _1058\"/>edit-<span class=\"__14 _1ce\"> </span> risk utan \u00f6verf\u00f6ringar<span class=\"__14 _1ce\"> </span> mellan kategorier<span class=\"__14 _15a_1\"> </span>0<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _1115\"> </span><span class=\"ls26_6 ws4c_3\">-20<span class=\"__14 _1a9\"> </span>-2<span class=\"__14 _1072\"/>0<span class=\"__14 _7c_6\"> </span></span>-3<span class=\"__14 _3b_8\"> </span>-46<span class=\"__14 _7c_6\"> </span><span class=\"ls13_11 ws39_5\">-18<span class=\"__14 _7c_6\"> </span></span>-67<span class=\"__14 _7c_6\"> </span>-3<span class=\"__14 _4e_6\"> </span>-46<span class=\"__14 _a5_7\"> </span>-38<span class=\"__14 _6a_6\"> </span>-87<span class=\"__14 _1ce\"> </span>\u00c5terbetalda eller s\u00e5lda<span class=\"__14 _1ce\"> </span> l\u00e5nefordringar<span class=\"__14 _1103\"> </span>1<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _1098\"> </span>1<span class=\"__14 _1113\"> </span>45<span class=\"__14 _1115\"> </span>80<span class=\"__14 _a5_7\"> </span><span class=\"ls13_11 ws39_5\">176<span class=\"__14 _1113\"> </span></span>301<span class=\"__14 _7b_6\"> </span>46<span class=\"__14 _1115\"> </span>80<span class=\"__14 _a5_7\"> </span><span class=\"ls13_11 ws39_5\">176<span class=\"__14 _a6_7\"> </span></span>302<span class=\"__14 _1ce\"> </span>Bortskrivna l\u00e5ne-fordringar<span class=\"__14 _1ce\"> </span> med minskning av reserver<span class=\"__14 _fc_7\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>\u2013<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _1113\"> </span>\u2013<span class=\"__14 _1120\"> </span>509<span class=\"__14 _1120\"> </span>509<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _a6_7\"> </span>\u2013<span class=\"__14 _1120\"> </span>509<span class=\"__14 _1120\"> </span>509<span class=\"__14 _1ce\"> </span>V<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">alutakursdifferenser</span><span class=\"__14 _1200\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _4e_6\"> </span>0<span class=\"__14 _1136\"> </span>5<span class=\"__14 _a5_7\"> </span>4<span class=\"__14 _1129\"> </span><span class=\"ls26_6 ws4c_3\">24<span class=\"__14 _1136\"> </span></span>33<span class=\"__14 _1136\"> </span>5<span class=\"__14 _1113\"> </span>4<span class=\"__14 _1136\"> </span><span class=\"ls26_6 ws4c_3\">24<span class=\"__14 _1129\"> </span></span>33<span class=\"__14 _1ce\"> </span>Utg\u00e5ende balans  per 31 dec 2022<span class=\"__14 _1ce\"> </span>-4<span class=\"__14 _7c_6\"> </span><span class=\"ls0_14 ws0_14\">\u2013<span class=\"__14 _1115\"> </span><span class=\"ls26_6 ws4c_3\">-25<span class=\"__14 _1a9\"> </span>-2<span class=\"__14 _1072\"/>9<span class=\"__14 _1119\"> </span></span>-216<span class=\"__14 _1a4\"> </span>-408<span class=\"__14 _1117\"> </span>-1 020<span class=\"__14 _1223\"> </span>-1 644<span class=\"__14 _4e_6\"> </span>-220<span class=\"__14 _1a4\"> </span>-<span class=\"__14 _1072\"/>408<span class=\"__14 _1223\"> </span>-1 045<span class=\"__14 _8b_6\"> </span>-1 673<span class=\"__14 _1ce\"> </span></span><div class=\"t_14 m0_14 h1_14 ff1_14 fs0_14 fc0_14 sc0_14 ls0_14 ws0_14\" style=\"left:0.002374649px; bottom:2.1012287px;\">222<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc0_14 sc0_14 ls0_14 ws1_14\" style=\"left:44.310143px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h3_13 ff2_14 fs1_13 fc0_14 sc0_14 ls1_14 ws2_13\" style=\"left:48.511353px; bottom:1029.1447px;\">Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span></div><div class=\"t_14 m0_14 h5_13 ff1_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:951.6515px;\">F\u00f6r<span class=\"__14 _b_13\"/>\u00e4ndring i avs\u00e4ttningar f<span class=\"__14 _b_13\"/>\u00f6r garantier<span class=\"__14 _b_13\"/>/<span class=\"__14 _b_13\"/>\u00e5taganden<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:935.1175px;\">Mn euro<span class=\"__14 _1b2\"> </span>Kategori 1<span class=\"__14 _1a2\"> </span>Kategori 2<span class=\"__14 _1a5\"> </span>Ka<span class=\"__14 _b_13\"/>tegori 3<span class=\"__14 _8f_6\"> </span>Summa<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:917.97424px;\">Ing\u00e5ende balans per 1 jan 2022<span class=\"__14 _1b3\"> </span>35<span class=\"__14 _aa_6\"> </span>128<span class=\"__14 _14f_2\"> </span>20<span class=\"__14 _aa_6\"> </span>183<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:900.82983px;\">Nya eller f\u00f6rv\u00e4rvade e<span class=\"__14 _b_13\"/>xponeringar<span class=\"__14 _1b4\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1151\"> </span></span>12<span class=\"__14 _8e_6\"> </span>0<span class=\"__14 _7e_6\"> </span>29<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:883.6854px;\">\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 1 till kategori 2<span class=\"__14 _1231\"> </span><span class=\"ls14_11 ws3a_5\">-1<span class=\"__14 _14f_2\"> </span></span>28<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:602.35077px; bottom:883.68805px;\">\u2013<span class=\"__14 _1132\"> </span><span class=\"fs0_14\">27<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:866.54364px;\">\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 1 till kategori 3<span class=\"__14 _17b\"> </span>0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:543.3007px; bottom:866.5449px;\">\u2013<span class=\"__14 _6c_6\"> </span><span class=\"fs0_14\">2<span class=\"__14 _1153\"> </span>2<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:849.4005px;\">\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 2 till kategori 1<span class=\"__14 _1b5\"> </span>1<span class=\"__14 _1152\"> </span>-32<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:602.35077px; bottom:849.40186px;\">\u2013<span class=\"__14 _1102\"> </span><span class=\"fs0_14\">-31<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:832.25745px;\">\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 2 till kategori 3<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:483.88995px; bottom:832.2587px;\">\u2013<span class=\"__14 _b5_7\"> </span><span class=\"fs0_14 ls14_11 ws3a_5\">-1<span class=\"__14 _6c_6\"> </span></span><span class=\"fs0_14\">2<span class=\"__14 _a7_7\"> </span>1<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:815.1143px;\">\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 3 till kategori 1<span class=\"__14 _17b\"> </span>0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:543.3007px; bottom:815.11566px;\">\u2013<span class=\"__14 _1101\"> </span><span class=\"fs0_14 ls16_11 ws3c_5\">-2<span class=\"__14 _1101\"> </span>-2<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:797.97125px;\">\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 3 till kategori 2<span class=\"__14 _17a\"> </span>\u2013<span class=\"__14 _a7_7\"> </span>1<span class=\"__14 _1101\"> </span>-3<span class=\"__14 _1101\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:780.82684px;\">F\u00f6r\u00e4ndringar i kr<span class=\"__14 _b_13\"/>editrisk utan \u00f6verf\u00f6ringar mellan kategorier<span class=\"__14 _1b6\"> </span>9<span class=\"__14 _8e_6\"> </span>4<span class=\"__14 _1153\"> </span>9<span class=\"__14 _1132\"> </span>22<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:763.68243px;\">\u00c5terbetalda eller s\u00e5lda l\u00e5nef<span class=\"__14 _1058\"/>ordringar<span class=\"__14 _1b7\"> </span><span class=\"ls14_11 ws3a_5\">-10<span class=\"__14 _1102\"> </span><span class=\"ls16_11 ws3c_5\">-27<span class=\"__14 _c3_6\"> </span>-2<span class=\"__14 _9b_6\"> </span></span></span>-39<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:746.538px;\">Bortskrivna l\u00e5nefordringar med minskning a<span class=\"__14 _b_13\"/>v reserver<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:483.88995px; bottom:746.5432px;\">0<span class=\"__14 _6c_6\"> </span>0<span class=\"__14 _1151\"> </span><span class=\"fs0_14\">-3<span class=\"__14 _1101\"> </span>-3<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:729.39886px;\">V<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">alutakursdifferenser</span><span class=\"__14 _1b8\"> </span><span class=\"ls14_11 ws3a_5\">-1<span class=\"__14 _1101\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1153\"> </span></span></span>0<span class=\"__14 _1151\"> </span>-3<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:712.25446px;\">Utg\u00e5ende balans per 31 dec 2022<span class=\"__14 _1b9\"> </span>50<span class=\"__14 _1109\"> </span>111<span class=\"__14 _7e_6\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _b7_7\"> </span></span>184<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:668.7056px;\">Mn euro<span class=\"__14 _1b2\"> </span>Kategori 1<span class=\"__14 _1a2\"> </span>Kategori 2<span class=\"__14 _1a5\"> </span>Ka<span class=\"__14 _b_13\"/>tegori 3<span class=\"__14 _8f_6\"> </span>Summa<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:651.5625px;\">Ing\u00e5ende balans per 1 jan 2021<span class=\"__14 _1ba\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _b7_7\"> </span></span>138<span class=\"__14 _14f_2\"> </span>26<span class=\"__14 _b7_7\"> </span>236<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:634.4181px;\">Nya eller f\u00f6rv\u00e4rvade e<span class=\"__14 _b_13\"/>xponeringar<span class=\"__14 _1bb\"> </span>7<span class=\"__14 _6c_6\"> </span>7<span class=\"__14 _8e_6\"> </span>0<span class=\"__14 _e2_6\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:617.2737px;\">\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 1 till kategori 2<span class=\"__14 _1232\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _9a_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _1ce\"> </span></span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:602.35077px; bottom:617.2763px;\">\u2013<span class=\"__14 _14f_2\"> </span><span class=\"fs0_14\">46<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:600.1319px;\">\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 1 till kategori 3<span class=\"__14 _17b\"> </span>0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:543.3007px; bottom:600.1332px;\">\u2013<span class=\"__14 _6c_6\"> </span><span class=\"fs0_14\">2<span class=\"__14 _1153\"> </span>2<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:582.98883px;\">\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 2 till kategori 1<span class=\"__14 _17b\"> </span>0<span class=\"__14 _1156\"> </span>-44<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:602.35077px; bottom:582.9901px;\">\u2013<span class=\"__14 _1156\"> </span><span class=\"fs0_14\">-44<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:565.8457px;\">\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 2 till kategori 3<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:483.88995px; bottom:565.847px;\">\u2013<span class=\"__14 _1101\"> </span><span class=\"fs0_14 ls16_11 ws3c_5\">-2<span class=\"__14 _1153\"> </span></span><span class=\"fs0_14\">8<span class=\"__14 _8e_6\"> </span>6<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:548.70264px;\">\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 3 till kategori 1<span class=\"__14 _17b\"> </span>0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:543.3007px; bottom:548.7039px;\">\u2013<span class=\"__14 _1101\"> </span><span class=\"fs0_14 ls16_11 ws3c_5\">-2<span class=\"__14 _1101\"> </span>-2<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:531.5595px;\">\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 3 till kategori 2<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:478.57553px; bottom:531.5608px;\">\u2013<span class=\"fs0_14\">0<span class=\"__14 _a7_7\"> </span>1<span class=\"__14 _1101\"> </span>-3<span class=\"__14 _1101\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1ce\"> </span></span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:514.4164px;\">F\u00f6r\u00e4ndringar i kr<span class=\"__14 _b_13\"/>editrisk utan \u00f6verf\u00f6ringar mellan kategorier<span class=\"__14 _f8_6\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1072\"/>7<span class=\"__14 _1101\"> </span></span>-3<span class=\"__14 _1151\"> </span>-5<span class=\"__14 _1152\"> </span>-35<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:497.27203px;\">\u00c5terbetalda eller s\u00e5lda l\u00e5nef<span class=\"__14 _1058\"/>ordringar<span class=\"__14 _1bc\"> </span><span class=\"ls14_11 ws3a_5\">-15<span class=\"__14 _a4_6\"> </span>-17<span class=\"__14 _1101\"> </span></span>-3<span class=\"__14 _9b_6\"> </span>-35<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:480.1276px;\">Bortskrivna l\u00e5nefordringar med minskning a<span class=\"__14 _b_13\"/>v reserver<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:483.88995px; bottom:480.1315px;\">\u2013<span class=\"__14 _1153\"> </span>\u2013<span class=\"__14 _1101\"> </span><span class=\"fs0_14\">-3<span class=\"__14 _1151\"> </span>-3<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:462.98712px;\">V<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">alutakursdifferenser</span><span class=\"__14 _1bd\"> </span>0<span class=\"__14 _8e_6\"> </span>0<span class=\"__14 _1153\"> </span>0<span class=\"__14 _8e_6\"> </span>0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:48.511353px; bottom:445.8427px;\">Utg\u00e5ende balans per 31 dec 2021<span class=\"__14 _1b4\"> </span>35<span class=\"__14 _1156\"> </span>128<span class=\"__14 _14f_2\"> </span>20<span class=\"__14 _aa_6\"> </span>183<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 ha_13 ff3_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:986.2735px;\">K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h1_14 ff1_14 fs0_14 fc0_14 sc0_14 ls0_14 ws0_14\" style=\"left:656.0268px; bottom:2.1012287px;\">223<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc0_14 sc0_14 ls0_14 ws1_14\" style=\"left:497.5244px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h3_13 ff2_14 fs1_13 fc0_14 sc0_14 ls1_14 ws2_13\" style=\"left:4.2144775px; bottom:1029.1447px;\">Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span></div><div class=\"t_14 m0_14 ha_13 ff3_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:986.27924px;\">K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h7_13 ff1_14 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:951.164px;\">3. Motpartskreditrisk<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:937.63495px;\">Motpartskreditrisken best<span class=\"__14 _b_13\"/>\u00e5r i att Nordeas motpart i ett deri-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:924.10974px;\">vatk<span class=\"__14 _1058\"/>ontr<span class=\"__14 _1058\"/>akt f<span class=\"__14 _b_13\"/>allerar f\u00f6re f<span class=\"__14 _b_13\"/>\u00f6rfallodagen och att Nordea vid den </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:910.58453px;\">tidpunkten har en f<span class=\"__14 _b_13\"/>ordran p\u00e5 motparten. Dessutom upps<span class=\"__14 _b_13\"/>t\u00e5r </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:897.0593px;\">motpartskreditrisk i \u00e5terk<span class=\"__14 _b_13\"/>\u00f6psavtal och andra a<span class=\"__14 _b_13\"/>vtal om v\u00e4rde-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:883.5341px;\">pappers\ufb01nansiering.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:12.908623px; bottom:870.0089px;\">Nordea anv<span class=\"__14 _1058\"/>\u00e4nder sig av deriv<span class=\"__14 _b_13\"/>atkontrak<span class=\"__14 _b_13\"/>t utifr\u00e5n kundernas </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:856.4837px;\">efterfr\u00e5gan, b\u00e5de dir<span class=\"__14 _1058\"/>ekt och f<span class=\"__14 _b_13\"/>\u00f6r att f\u00f6r att risks\u00e4kr<span class=\"__14 _b_13\"/>a positioner </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:842.9585px;\">som uppst\u00e5r i samband med dessa a<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ff\u00e4rer</span><span class=\"__14 _1c_10\"/>. R\u00e4nteswappar och </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:829.4333px;\">andra deriva<span class=\"__14 _b_13\"/>t anv\u00e4nds f\u00f6r risks\u00e4kring a<span class=\"__14 _b_13\"/>v bristande \u00f6verens-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:815.90814px;\">st\u00e4mmelse mellan tillg\u00e5ngar och sk<span class=\"__14 _1058\"/>ulder i balansr\u00e4kningen. </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:802.38293px;\">Vidare f\u00e5r Nor<span class=\"__14 _b_13\"/>dea, inom tydligt fastst<span class=\"__14 _1058\"/>\u00e4llda risklimiter<span class=\"__14 _b_13\"/>, </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:788.8577px;\">anv\u00e4nda deriv<span class=\"__14 _b_13\"/>at f\u00f6r att ta \u00f6ppna positioner i bankens v<span class=\"__14 _b_13\"/>erk-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:775.3325px;\">samhet. Derivatkontr<span class=\"__14 _b_13\"/>akt p\u00e5v<span class=\"__14 _b_13\"/>erkar motpartskreditrisken, </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:761.8073px;\">marknadsrisken, den opera<span class=\"__14 _1058\"/>tiva risken och likviditetsrisk<span class=\"__14 _b_13\"/>en.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:12.908623px; bottom:748.2821px;\">Motpartskreditrisk, inklusive e<span class=\"__14 _b_13\"/>xponeringar mot centrala </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:734.7569px;\">motparter<span class=\"__14 _b_13\"/>, omf<span class=\"__14 _1058\"/>attas a<span class=\"__14 _b_13\"/>v kreditlimiter precis som andra kredit-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:721.2317px;\">exponeringar och han<span class=\"__14 _b_13\"/>teras p\u00e5 motsvar<span class=\"__14 _1058\"/>ande s\u00e4tt. F\u00f6r att </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:707.70654px;\">bed\u00f6ma motpartskreditrisken gen<span class=\"__14 _b_13\"/>temot centrala mo<span class=\"__14 _b_13\"/>tpar<span class=\"__14 _1072\"/>ter<span class=\"__14 _b_13\"/>, </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:694.18134px;\">baseras clearinglimiterna p\u00e5 den po<span class=\"__14 _b_13\"/>tentiella storleken p\u00e5 </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:680.6561px;\">clearingrelater<span class=\"__14 _b_13\"/>ad exponering mot varje cen<span class=\"__14 _b_13\"/>tral motpart, med </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:667.1309px;\">beaktande a<span class=\"__14 _b_13\"/>v myndighetskra<span class=\"__14 _b_13\"/>v och marknadsutveckling.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:12.908623px; bottom:653.6057px;\">F\u00f6r in<span class=\"__14 _b_13\"/>formation om \ufb01nansiella instrumen<span class=\"__14 _b_13\"/>t som omfatt<span class=\"__14 _1058\"/>as av </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:640.0805px;\">rama<span class=\"__14 _b_13\"/>vtal f\u00f6r nettning, se not K3.5 \u201dK<span class=\"__14 _b_13\"/>vittning\u201d<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h8_13 ff2_14 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:951.164px;\">4.<span class=\"__14 _b_13\"/>1 Handelsrelat<span class=\"__14 _1058\"/>erad marknadsrisk<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:937.63495px;\">Handelsrelater<span class=\"__14 _b_13\"/>ad marknadsrisk h\u00e4rr\u00f6r huvudsakligen fr\u00e5n </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:924.10974px;\">kunddriven handel och a<span class=\"__14 _b_13\"/>vser s\u00e4kringar gjorda i Nordea </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:910.58453px;\"> <span class=\"__14 _d_13\"/>Markets som ing\u00e5r i Large Corpora<span class=\"__14 _b_13\"/>tes &amp; Institutions.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:897.0593px;\"><span class=\"__14 _1ce\">Nordea Markets aff</span><span class=\"__14 _b_13\"/>\u00e4rsmodell medf\u00f6r marknadsrisker i </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:883.5341px;\">samband med att enheten erbjuder f<span class=\"__14 _b_13\"/>\u00f6retag och institutionella </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:870.0089px;\">kunder en rad olika r<span class=\"__14 _b_13\"/>\u00e4nte-, aktie-, v<span class=\"__14 _b_13\"/>aluta- och r\u00e5<span class=\"__14 _1058\"/>varuproduk<span class=\"__14 _b_13\"/>ter </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:856.4837px;\">samt struk<span class=\"__14 _b_13\"/>turerade produk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _b_13\"/>. Dessa marknadsrisker innefat-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:842.9585px;\">tar r\u00e4n<span class=\"__14 _b_13\"/>terisk<span class=\"__14 _1072\"/>, kreditspreadrisk, aktierisk, v<span class=\"__14 _1058\"/>alutarisk, r\u00e5<span class=\"__14 _b_13\"/>varurisk </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:829.4333px;\">och inflationsrisk.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:815.90814px;\">Vidare \u00e4r Nordea en a<span class=\"__14 _b_13\"/>v de st\u00f6rsta bol\u00e5negivarna och mark<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:802.38293px;\">nadsgaran<span class=\"__14 _b_13\"/>terna f\u00f6r f\u00f6r<span class=\"__14 _1058\"/>etags- och sta<span class=\"__14 _1058\"/>tsobligationer i Norden. </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:788.8577px;\">F\u00f6r a<span class=\"__14 _b_13\"/>tt kunna erbjuda likviditet p\u00e5 andrahandsmarknaden \u00e4r </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:775.3325px;\">ett eget handelslager ett m\u00e5ste. Nordeas a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ff\u00e4rsmodell medf\u00f6r </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:761.8073px;\">d\u00e4rf\u00f6r en koncen<span class=\"__14 _b_13\"/>tration inom nordiska bost<span class=\"__14 _b_13\"/>ads- och f\u00f6re-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:748.2821px;\">tagsobligationer och inom lokala v<span class=\"__14 _b_13\"/>alutor<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h8_13 ff2_14 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:721.1693px;\">4.2 Ej handelsrelater<span class=\"__14 _1058\"/>ad marknadsrisk<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:707.6402px;\">Nordeas ej handelsrelat<span class=\"__14 _b_13\"/>erade marknadsrisker omfa<span class=\"__14 _b_13\"/>ttar r\u00e4nte-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:694.115px;\">risk, kundbeteenderisk, kreditspreadrisk, valutarisk (b\u00e5de </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:680.58984px;\">struk<span class=\"__14 _1058\"/>turell och icke-struk<span class=\"__14 _b_13\"/>turell) och aktierisk. Ej handelsrela-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:667.06464px;\">terad marknadsrisk upps<span class=\"__14 _1058\"/>t\u00e5r i Nordeas k\u00e4rnv<span class=\"__14 _b_13\"/>erksamhet<span class=\"__14 _1072\"/>, </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:653.5394px;\">genom risks\u00e4kring av densamma sam<span class=\"__14 _b_13\"/>t genom krav i lagar </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:640.0142px;\">och andra e<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">xterna best\u00e4mmelser (t.ex. likviditetsbuff</span><span class=\"__14 _b_13\"/>er<span class=\"__14 _1072\"/>t).<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:626.489px;\">Group <span class=\"__14 _b_13\"/>T<span class=\"__14 _b_13\"/>reasury ansvarar f<span class=\"__14 _b_13\"/>\u00f6r riskhanteringen av all mark<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:612.9638px;\">nadsrisk som inte \u00e4r handelsr<span class=\"__14 _b_13\"/>elaterad i koncernens balans-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:599.4386px;\">r\u00e4kning. F<span class=\"__14 _b_13\"/>\u00f6r att s\u00e4kerst\u00e4lla en tydlig ansvarsf<span class=\"__14 _b_13\"/>\u00f6rdelning inom </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:585.9134px;\">Group <span class=\"__14 _b_13\"/>T<span class=\"__14 _b_13\"/>reasury har riskhanteringen delats in i fl<span class=\"__14 _1058\"/>era delar \u2013 </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:572.38824px;\">var och en med ett tydligt riskmanda<span class=\"__14 _b_13\"/>t och speci\ufb01ka limiter </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:558.86304px;\">och kontr<span class=\"__14 _b_13\"/>oller.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:545.3378px;\">R\u00e4nterisk<span class=\"__14 _b_13\"/>en i \u00f6vrig verksamhet \u00e4r den be\ufb01ntliga eller fr<span class=\"__14 _b_13\"/>am-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:531.8126px;\">tida risken i Nordeas kapital och/<span class=\"__14 _b_13\"/>eller int\u00e4k<span class=\"__14 _b_13\"/>ter som \u00e4r h\u00e4nf\u00f6r-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:518.2874px;\">lig till ogynnsamma r\u00e4n<span class=\"__14 _1058\"/>tef<span class=\"__14 _1058\"/>\u00f6r\u00e4ndringar och kundbet<span class=\"__14 _1058\"/>eende. </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:504.7622px;\"><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _b_13\"/>\u00e4r<span class=\"__14 _1072\"/>somr\u00e5dena \u00f6v<span class=\"__14 _b_13\"/>er<span class=\"__14 _1072\"/>f\u00f6r sina riske<span class=\"__14 _b_13\"/>xponeringar i \u00f6vrig verk-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:491.237px;\">samhet till Group <span class=\"__14 _b_13\"/>T<span class=\"__14 _b_13\"/>reasury via ett intern<span class=\"__14 _b_13\"/>t system f\u00f6r in<span class=\"__14 _1058\"/>tern-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:477.71182px;\">priss\u00e4ttning. Marknadsriskerna han<span class=\"__14 _b_13\"/>teras centr<span class=\"__14 _1058\"/>alt och innef<span class=\"__14 _1058\"/>at-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:464.1866px;\">tar gaprisk, spreadrisk, basrisk, kreditspreadrisk, beteenderisk </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:450.6614px;\"><span class=\"__14 _1ce\">och icke-linj\u00e4r risk. Eff</span><span class=\"__14 _1058\"/>ektivitet<span class=\"__14 _b_13\"/>en i risks\u00e4kring som avser k\u00e4rn-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:437.13623px;\">verksamheten, till e<span class=\"__14 _b_13\"/>xempel ut- och inl\u00e5ning, kan p\u00e5v<span class=\"__14 _b_13\"/>erkas </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:423.61102px;\">negativt a<span class=\"__14 _b_13\"/>v det handlingsutr<span class=\"__14 _1072\"/>ymme som kunderna har i fr\u00e5ga </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:410.08582px;\">om deras a<span class=\"__14 _b_13\"/>vtalsenliga f\u00f6rplikt<span class=\"__14 _1058\"/>elser gent<span class=\"__14 _1058\"/>emot Nordea.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h7_13 ff1_14 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:611.95605px;\">4. Marknadsrisk<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:598.42694px;\">Marknadsrisk \u00e4r risken f<span class=\"__14 _1058\"/>\u00f6r f\u00f6rlus<span class=\"__14 _b_13\"/>ter h\u00e4nf\u00f6rliga till Nor<span class=\"__14 _1058\"/>deas </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:584.90173px;\">innehav i an<span class=\"__14 _b_13\"/>tingen handelslagret eller \u00f6vrig verksamhet till </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:571.3766px;\">f\u00f6ljd a<span class=\"__14 _b_13\"/>v f\u00f6r\u00e4ndringar i marknadsk<span class=\"__14 _1058\"/>urser och parametrar som </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:557.8514px;\">p\u00e5v<span class=\"__14 _b_13\"/>erkar marknadsv\u00e4rdet eller r\u00e4nt<span class=\"__14 _b_13\"/>enettot. Marknadsrisken </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:544.3262px;\">\ufb01nns oavs<span class=\"__14 _1058\"/>ett vilken redovisningsmet<span class=\"__14 _b_13\"/>od som anv\u00e4nds f\u00f6r inne-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:530.80096px;\">hav<span class=\"__14 _b_13\"/>en.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:12.908623px; bottom:517.27576px;\">Koncernens t<span class=\"__14 _1058\"/>oleransniv\u00e5 f<span class=\"__14 _b_13\"/>\u00f6r marknadsrisk fastst<span class=\"__14 _1058\"/>\u00e4lls i sty-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:503.75055px;\">relsens riskf<span class=\"__14 _b_13\"/>\u00f6rklaringar. Riskf<span class=\"__14 _b_13\"/>\u00f6rklaringarna omfa<span class=\"__14 _1058\"/>ttar handels-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:490.22534px;\">lagret och \u00f6vrig verksamhet.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:12.908623px; bottom:476.70016px;\">Den andra f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>svarslinjen s\u00e4kerst\u00e4ller att riskk<span class=\"__14 _b_13\"/>ommitt\u00e9n p\u00e5 </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:463.17496px;\">ett korrek<span class=\"__14 _b_13\"/>t s\u00e4tt omvandlar riskt<span class=\"__14 _b_13\"/>oleransen till speci\ufb01ka risklimi-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:449.64975px;\">ter f\u00f6r a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ff\u00e4rsomr\u00e5dena och Group </span><span class=\"__14 _b_13\"/>T<span class=\"__14 _b_13\"/>reasury<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:12.908623px; bottom:436.12457px;\">I enlighet med det \u00f6vergripande r<span class=\"__14 _b_13\"/>amverket f\u00f6r risk<span class=\"__14 _b_13\"/>tolerans </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:422.59937px;\">anv\u00e4nds holis<span class=\"__14 _b_13\"/>tiska och s\u00e4r<span class=\"__14 _1072\"/>skilt anpassade stress<span class=\"__14 _b_13\"/>tester f\u00f6r a<span class=\"__14 _b_13\"/>tt </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:409.07416px;\">m\u00e4ta toler<span class=\"__14 _b_13\"/>ansen f\u00f6r marknadsrisk och kalibrera limit<span class=\"__14 _1058\"/>er f\u00f6r a<span class=\"__14 _1058\"/>tt </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:395.54895px;\">f\u00f6lja upp och k<span class=\"__14 _1058\"/>ontroller<span class=\"__14 _b_13\"/>a alla v\u00e4sentliga marknadsriskf<span class=\"__14 _1058\"/>aktor<span class=\"__14 _b_13\"/>er </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:382.02377px;\">som Nordea p\u00e5<span class=\"__14 _b_13\"/>verkas av<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h1_14 ff1_14 fs0_14 fc0_14 sc0_14 ls16_11 ws3c_5\" style=\"left:0.002374649px; bottom:2.1012287px;\">224<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc0_14 sc0_14 ls0_14 ws1_14\" style=\"left:44.310143px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h3_13 ff2_14 fs1_13 fc0_14 sc0_14 ls1_14 ws2_13\" style=\"left:48.511353px; bottom:1029.1447px;\">Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span></div><div class=\"t_14 m0_14 ha_13 ff3_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:986.27924px;\">K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:57.205498px; bottom:951.6515px;\">Likvida tillg\u00e5ngar hanter<span class=\"__14 _b_13\"/>as i enlighet med ramverken f<span class=\"__14 _b_13\"/>\u00f6r </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:938.12634px;\"><span class=\"__14 _1ce\">likviditetsbuffert och s\u00e4kerhet</span><span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>. Huvuddelen av r\u00e4n<span class=\"__14 _b_13\"/>tef\u00f6r\u00e4nd-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:924.60114px;\">ringsrisken h\u00e4nf<span class=\"__14 _b_13\"/>\u00f6rlig till obligationsinnehav s\u00e4kr<span class=\"__14 _1058\"/>as med l\u00f6p-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:911.0759px;\">tidsmatchade r<span class=\"__14 _1058\"/>\u00e4ntes<span class=\"__14 _1058\"/>wappar (betalarswappar) och i mindr<span class=\"__14 _1058\"/>e </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:897.5507px;\">utstr\u00e4ckning med dagsl\u00e5neinde<span class=\"__14 _b_13\"/>xswappar (betalarswappar). </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:884.0255px;\">R\u00e4ntes\u00e4kringsa<span class=\"__14 _b_13\"/>vtal (FRA:er) och b\u00f6rsnoterade terminsa<span class=\"__14 _b_13\"/>vtal </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:870.5003px;\">kan ocks\u00e5 anv\u00e4ndas f<span class=\"__14 _b_13\"/>\u00f6r att s\u00e4kra kreditspread- och r<span class=\"__14 _b_13\"/>\u00e4ntefas<span class=\"__14 _b_13\"/>t-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:856.9751px;\">st\u00e4llelserisk. </div><div class=\"t_14 m0_14 h8_13 ff2_14 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:829.88947px;\">4.3 M\u00e4tning a<span class=\"__14 _b_13\"/>v marknadsrisk<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:816.36053px;\">Nordea anv<span class=\"__14 _1058\"/>\u00e4nder flera kvan<span class=\"__14 _b_13\"/>titativa m\u00e4tmetoder f<span class=\"__14 _b_13\"/>\u00f6r handels-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:802.8353px;\">relater<span class=\"__14 _b_13\"/>ad marknadsrisk: value-at-risk (V<span class=\"__14 _1c_10\"/>aR), stresstest<span class=\"__14 _b_13\"/>er, </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:789.3101px;\">k\u00e4nslighetsanalyser<span class=\"__14 _1c_10\"/>, parametriska metoder och Monte Carlo-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:775.7849px;\">simulering.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:57.205498px; bottom:762.2597px;\">V<span class=\"__14 _b_13\"/>aR baseras p\u00e5 historiska s<span class=\"__14 _1058\"/>cenarier och \u00e4r det huvudsak<span class=\"__14 _1058\"/>-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:748.7345px;\">liga m\u00e5ttet f<span class=\"__14 _b_13\"/>\u00f6r marknadsrisk<span class=\"__14 _1072\"/>, komplettera<span class=\"__14 _b_13\"/>t med stresstes<span class=\"__14 _1058\"/>ter<span class=\"__14 _b_13\"/>. </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:735.2093px;\">Nordea ber\u00e4knar V<span class=\"__14 _1c_10\"/>aR med hj\u00e4lp av historisk simulering. Den </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:721.68414px;\">aktuella portf\u00f6ljen om<span class=\"__14 _b_13\"/>v\u00e4rderas utifr<span class=\"__14 _1058\"/>\u00e5n historiska dagliga f<span class=\"__14 _b_13\"/>\u00f6r-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:708.15894px;\">\u00e4ndringar i marknadspriser<span class=\"__14 _b_13\"/>, r\u00e4nt<span class=\"__14 _1058\"/>or och andra marknadsrisk<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:694.6337px;\">fak<span class=\"__14 _b_13\"/>torer som observerats under de senas<span class=\"__14 _b_13\"/>te 500 handelsda-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:681.1085px;\">garna och som \u00f6vers\u00e4tts till f<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar i aktuella marknads-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:667.5833px;\">riskfak<span class=\"__14 _b_13\"/>torer<span class=\"__14 _b_13\"/>. Nordea anv\u00e4nder absoluta, r<span class=\"__14 _b_13\"/>elativa och blandade </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:654.0581px;\">\u00f6vers\u00e4ttningsmet<span class=\"__14 _1058\"/>oder f\u00f6r olika riskka<span class=\"__14 _b_13\"/>tegorier<span class=\"__14 _b_13\"/>. Omv\u00e4rderingen </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:640.5329px;\">av den ak<span class=\"__14 _b_13\"/>tuella por<span class=\"__14 _1072\"/>tf\u00f6ljen g\u00f6rs f<span class=\"__14 _b_13\"/>\u00f6r varje innehav med hj\u00e4lp a<span class=\"__14 _b_13\"/>v </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:627.0077px;\">antingen linj\u00e4r appro<span class=\"__14 _b_13\"/>ximering eller fullst\u00e4ndig omv<span class=\"__14 _b_13\"/>\u00e4rdering, </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:613.48254px;\">beroende p\u00e5 inneha<span class=\"__14 _b_13\"/>vets ar<span class=\"__14 _1072\"/>t.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:57.205498px; bottom:599.95734px;\">Par<span class=\"__14 _b_13\"/>ametriska metoder anv\u00e4nds f\u00f6r a<span class=\"__14 _b_13\"/>tt m\u00e4ta risken f\u00f6r </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:586.4321px;\">aktieh\u00e4ndelser<span class=\"__14 _1c_10\"/>, inklusive fallissemang g\u00e4llande ak<span class=\"__14 _b_13\"/>tierelate-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:572.9069px;\">rade inneha<span class=\"__14 _b_13\"/>v (en s\u00e4rskild typ av aktierisk).<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:57.205498px; bottom:559.3817px;\">Monte Carlo-simulering anv<span class=\"__14 _b_13\"/>\u00e4nds i modellen f\u00f6r kapitalkra<span class=\"__14 _b_13\"/>v </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:545.8565px;\">f\u00f6r ytterligar<span class=\"__14 _b_13\"/>e risk (incremental risk measure) och modellen </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:532.3313px;\">f\u00f6r samla<span class=\"__14 _b_13\"/>t riskkapitalkrav (c<span class=\"__14 _b_13\"/>omprehensive risk measure) f<span class=\"__14 _1058\"/>\u00f6r </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:518.8061px;\">att m\u00e4ta risk<span class=\"__14 _b_13\"/>en f\u00f6r fallissemang och f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>s\u00e4mrad kreditkv<span class=\"__14 _b_13\"/>alitet<span class=\"__14 _1072\"/>.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:57.205498px; bottom:505.28094px;\">Modellerna f\u00f6r v<span class=\"__14 _b_13\"/>alue-at-risk, value-a<span class=\"__14 _b_13\"/>t-risk med stresscena-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:491.75574px;\">rio, ak<span class=\"__14 _1058\"/>tieh\u00e4ndelserisk, kapitalkra<span class=\"__14 _b_13\"/>v f\u00f6r ytterligare risk och sam-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:478.23053px;\">lat riskkapitalkr<span class=\"__14 _1058\"/>av har alla godk\u00e4n<span class=\"__14 _b_13\"/>ts av Nordeas tidigare till<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:464.70532px;\">synsmyndighet, svenska Finansinspektionen, f<span class=\"__14 _b_13\"/>\u00f6r anv\u00e4ndning </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:451.1801px;\">vid ber\u00e4kning a<span class=\"__14 _b_13\"/>v kapitalbaskrav f<span class=\"__14 _b_13\"/>\u00f6r marknadsrisk med hj\u00e4lp </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:437.6549px;\">av in<span class=\"__14 _b_13\"/>terna modeller<span class=\"__14 _b_13\"/>. Samma modeller<span class=\"__14 _1058\"/>, med samma kalibre-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:424.12973px;\">ring och inst\u00e4llningar som f<span class=\"__14 _b_13\"/>\u00f6r kapitalkrav<span class=\"__14 _b_13\"/>et enligt regelverket, </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:410.60452px;\">anv\u00e4nds f<span class=\"__14 _b_13\"/>\u00f6r den interna riskhant<span class=\"__14 _1058\"/>eringen.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:57.205498px; bottom:397.0793px;\">Schablonmetoden anv<span class=\"__14 _1058\"/>\u00e4nds f\u00f6r a<span class=\"__14 _1058\"/>tt ber\u00e4kna marknadsrisker </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:383.5541px;\">som inte om<span class=\"__14 _b_13\"/>fattas a<span class=\"__14 _b_13\"/>v de interna modellerna. Hit h\u00f6r ex<span class=\"__14 _b_13\"/>empel-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:370.02893px;\">vis risker a<span class=\"__14 _b_13\"/>vseende r\u00e5varur<span class=\"__14 _b_13\"/>elaterade produk<span class=\"__14 _1058\"/>ter<span class=\"__14 _b_13\"/>, speci\ufb01k risk </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:356.50372px;\">f\u00f6r bos<span class=\"__14 _b_13\"/>tads- och statsobligationer<span class=\"__14 _1c_10\"/>, f\u00f6retagscerti\ufb01kat, hybrid-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:342.97852px;\">instrument och kr<span class=\"__14 _b_13\"/>editspreadoptioner<span class=\"__14 _b_13\"/>. Vidare anv\u00e4nds </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:329.4533px;\">schablon <span class=\"__14 _d_13\"/>metoden f\u00f6r ber\u00e4kning a<span class=\"__14 _b_13\"/>v aktierisk a<span class=\"__14 _b_13\"/>vseende struk-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:315.92813px;\">turerade eget kapitalins<span class=\"__14 _b_13\"/>trument och prim\u00e4r- och supplemen-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:302.40292px;\">t\u00e4rkapitalobligationer<span class=\"__14 _1c_10\"/>.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:57.205498px; bottom:288.87772px;\">Sedan flytten till Finland i ok<span class=\"__14 _b_13\"/>tober 2018 har Nordea ett till-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:275.3525px;\">f\u00e4lligt tills<span class=\"__14 _1058\"/>t\u00e5nd fr\u00e5n E<span class=\"__14 _b_13\"/>CB att forts\u00e4tta an<span class=\"__14 _b_13\"/>v\u00e4nda sina be\ufb01ntliga </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:261.82733px;\">interna modeller s<span class=\"__14 _1058\"/>om godk\u00e4nts a<span class=\"__14 _b_13\"/>v den svenska Finansinspek-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:248.30212px;\">tionen. ECB:s tillf<span class=\"__14 _b_13\"/>\u00e4lliga tillst\u00e5nd f\u00f6ruts\u00e4<span class=\"__14 _b_13\"/>tter att Nordea l\u00e4mnar </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:234.77692px;\">in modellans\u00f6kningar till E<span class=\"__14 _1058\"/>CB f\u00f6r ett permanen<span class=\"__14 _b_13\"/>t godk\u00e4n-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:221.25172px;\">nande. En uppdater<span class=\"__14 _1058\"/>ad ans\u00f6kan l\u00e4mnades in i mars 2021, och </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:207.72652px;\">d\u00e4refter har de in<span class=\"__14 _b_13\"/>terna modellerna pr\u00f6vats a<span class=\"__14 _b_13\"/>v ECB. Under </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:194.20132px;\">2022 gjordes en rik<span class=\"__14 _1058\"/>tad pr\u00f6vning a<span class=\"__14 _b_13\"/>v modeller som inte om<span class=\"__14 _1058\"/>fa<span class=\"__14 _b_13\"/>t-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:180.67612px;\">tades a<span class=\"__14 _1058\"/>v ans\u00f6kan 2021. E<span class=\"__14 _b_13\"/>CB:s beslut<span class=\"__14 _1072\"/>, som avser b\u00e5da de<span class=\"__14 _1058\"/>ssa </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:44.310143px; bottom:167.15092px;\">pr\u00f6vningar<span class=\"__14 _1c_10\"/>, v\u00e4ntas under f<span class=\"__14 _1058\"/>\u00f6rsta halv<span class=\"__14 _1058\"/>\u00e5ret 2023.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:951.8335px;\">R\u00e4nterisk<span class=\"__14 _b_13\"/>en i \u00f6vrig verksamhet m\u00e4ts, kontr<span class=\"__14 _b_13\"/>olleras och hante-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:938.3083px;\">ras med hj\u00e4lp a<span class=\"__14 _b_13\"/>v tre viktiga m\u00e5tt:<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:924.78314px;\">\u2022 <span class=\"__14 _1f_10\"> </span>ekonomiskt v<span class=\"__14 _b_13\"/>\u00e4rde<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:911.25793px;\">\u2022 <span class=\"__14 _1f_10\"> </span>verkligt v\u00e4r<span class=\"__14 _1058\"/>de<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:897.7327px;\">\u2022 <span class=\"__14 _1f_10\"> </span>struk<span class=\"__14 _1058\"/>turell r\u00e4n<span class=\"__14 _b_13\"/>tenettorisk.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:870.67126px;\">De tre olika riskm\u00e5tt<span class=\"__14 _1058\"/>en anv\u00e4nds f<span class=\"__14 _b_13\"/>\u00f6r att bed\u00f6ma olika aspekter </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:857.14606px;\">av hur r<span class=\"__14 _b_13\"/>\u00e4nterisken yttrar sig. M\u00e5<span class=\"__14 _1058\"/>tten beskrivs n\u00e4rmare nedan.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:377.80396px; bottom:843.62085px;\">Stresst<span class=\"__14 _1058\"/>ester g\u00e4llande ekonomisk<span class=\"__14 _b_13\"/>t v\u00e4rde (EV) a<span class=\"__14 _1058\"/>v eget kapi-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:830.09564px;\">tal tar h\u00e4nsyn till f<span class=\"__14 _1058\"/>\u00f6r\u00e4ndringen i ekonomisk<span class=\"__14 _b_13\"/>t v\u00e4rde p\u00e5 till-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:816.5705px;\">g\u00e5ngar<span class=\"__14 _b_13\"/>, skulder och r\u00e4n<span class=\"__14 _1058\"/>teb\u00e4rande deriv<span class=\"__14 _1058\"/>atinstrumen<span class=\"__14 _b_13\"/>t i \u00f6vrig </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:803.0453px;\">verksamhet till f<span class=\"__14 _1058\"/>\u00f6ljd av r<span class=\"__14 _b_13\"/>\u00e4ntef\u00f6r<span class=\"__14 _b_13\"/>\u00e4ndringar, ober<span class=\"__14 _b_13\"/>oende av redo-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:789.5201px;\">visningsm\u00e4ssig klassi\ufb01cering och utan a<span class=\"__14 _b_13\"/>vseende p\u00e5 kredits-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:775.9949px;\"><span class=\"__14 _1ce\">preadar och aff</span><span class=\"__14 _b_13\"/>\u00e4r<span class=\"__14 _1072\"/>smarginaler<span class=\"__14 _b_13\"/>. Modellber\u00e4kningen g\u00f6rs uti-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:762.46967px;\">fr\u00e5n en balansr<span class=\"__14 _b_13\"/>\u00e4kning under avveckling och omf<span class=\"__14 _b_13\"/>attar beteen-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:748.94446px;\">demodellering f\u00f6r all inl\u00e5ning utan a<span class=\"__14 _b_13\"/>vtalad l\u00f6ptid och </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:735.41925px;\">f\u00f6rtidsinbetalningar<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:377.80396px; bottom:721.89404px;\">M\u00e5ttet struk<span class=\"__14 _b_13\"/>turell r\u00e4nt<span class=\"__14 _b_13\"/>enettorisk (SIIR) visar f\u00f6r\u00e4ndringen i </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:708.3689px;\">r\u00e4n<span class=\"__14 _1058\"/>tenettot, i f\u00f6rh\u00e5llande till ett grunds<span class=\"__14 _1058\"/>cenario, p\u00e5 ett \u00e5rs sikt. </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:694.8437px;\">Modellen har ett antagande om en k<span class=\"__14 _1058\"/>onstan<span class=\"__14 _b_13\"/>t balansr\u00e4kning, </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:681.3185px;\">implicita terminsr\u00e4n<span class=\"__14 _b_13\"/>tor och beteendemodellering f\u00f6r inl\u00e5ning </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:667.7933px;\">utan avt<span class=\"__14 _b_13\"/>alad l\u00f6ptid och f\u00f6rtidsinbetalningar<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls11_12 ws0_14\" style=\"left:377.80396px; bottom:654.26807px;\">Riskm\u00e5ttet f<span class=\"__14 _b_13\"/>\u00f6rlust vid stresst<span class=\"__14 _b_13\"/>est av verkligt v<span class=\"__14 _b_13\"/>\u00e4rde (fair value </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls11_12 ws0_14\" style=\"left:364.9086px; bottom:640.74286px;\">stress loss, FVSL) tar h\u00e4nsyn till den po<span class=\"__14 _b_13\"/>tentiella omv\u00e4r<span class=\"__14 _b_13\"/>derings<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls11_12 ws0_14\" style=\"left:364.9086px; bottom:627.21765px;\">risken a<span class=\"__14 _b_13\"/>vseende positioner som redovisas till verkligt v\u00e4rde.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:377.80396px; bottom:613.69244px;\">FVSL<span class=\"__14 _1c_10\"/>-, EV- och SIIR-k\u00e4nslighet<span class=\"__14 _b_13\"/>er m\u00e4ts med hj\u00e4lp av int<span class=\"__14 _b_13\"/>erna </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:600.1673px;\">scenarier som f<span class=\"__14 _b_13\"/>astst\u00e4llts enligt ramv<span class=\"__14 _b_13\"/>erket f\u00f6r riskt<span class=\"__14 _b_13\"/>olerans, de </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:586.6421px;\">sex s<span class=\"__14 _b_13\"/>tandardscenarierna som fas<span class=\"__14 _b_13\"/>tst\u00e4llts av Baselk<span class=\"__14 _1058\"/>ommitt\u00e9n </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:573.1169px;\">f\u00f6r bank<span class=\"__14 _b_13\"/>tillsyn samt en rad parallella och ick<span class=\"__14 _1058\"/>e-parallella </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:559.5917px;\">chockscenarier<span class=\"__14 _b_13\"/>. Exponeringslimiten m\u00e4ts mo<span class=\"__14 _1058\"/>t det v\u00e4rsta </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:546.06647px;\">utfallet f<span class=\"__14 _1058\"/>r\u00e5n de in<span class=\"__14 _1058\"/>terna scenarierna enligt r<span class=\"__14 _1058\"/>amverket f<span class=\"__14 _b_13\"/>\u00f6r risk-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:532.54126px;\">tolerans. Risk<span class=\"__14 _b_13\"/>toleransscenarierna kalibrer<span class=\"__14 _b_13\"/>as f\u00f6r att spegla all-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:519.01605px;\">varliga men rimliga h\u00e4ndelser och ska pr\u00f6<span class=\"__14 _b_13\"/>va speci\ufb01ka expo-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:505.49084px;\">neringar som \ufb01nns eller kan \ufb01nnas enligt godk\u00e4nt manda<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>. </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:491.9657px;\">Scenarierna samordnas f<span class=\"__14 _b_13\"/>\u00f6r risktyperna EV<span class=\"__14 _1c_10\"/>, SIIR och FVSL<span class=\"__14 _1072\"/>.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:377.80396px; bottom:478.44046px;\">Risktoler<span class=\"__14 _b_13\"/>ansscenarierna f\u00f6r verkligt v<span class=\"__14 _b_13\"/>\u00e4rde anv\u00e4nds f\u00f6r </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:464.91528px;\">portf\u00f6ljerna i b\u00e5de \u00f6vrig verksamhet och handelslagr<span class=\"__14 _b_13\"/>et<span class=\"__14 _1072\"/>, och </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:451.39008px;\">styrelsens risk<span class=\"__14 _b_13\"/>toleranslimit omf<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">attar den kombinerade eff</span><span class=\"__14 _b_13\"/>ek-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:437.86487px;\">ten. Stressm\u00e5<span class=\"__14 _1058\"/>ttet f\u00f6r v<span class=\"__14 _b_13\"/>erkligt v\u00e4rde kontr<span class=\"__14 _1058\"/>olleras dagligen. </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:424.33966px;\">Flera EV<span class=\"__14 _b_13\"/>-scenarier ber\u00e4knas dagligen som ledningsin<span class=\"__14 _b_13\"/>forma-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:410.81448px;\">tion, och fullst\u00e4ndiga ber<span class=\"__14 _b_13\"/>\u00e4kningar och uppf\u00f6ljningar mot risk<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:397.28928px;\">toleranslimiter g\u00f6rs m\u00e5nadsvis. R<span class=\"__14 _1058\"/>esultatm\u00e5<span class=\"__14 _b_13\"/>ttet SIIR kontrol-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:383.76407px;\">leras varje m\u00e5nad.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:377.80396px; bottom:370.23886px;\">Ber\u00e4kningen a<span class=\"__14 _b_13\"/>v r\u00e4nterisken i \u00f6<span class=\"__14 _1058\"/>vrig verksamhet \u00e4r beroende </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:356.71365px;\">av vik<span class=\"__14 _b_13\"/>tiga antaganden i modellerna. De mest v<span class=\"__14 _1058\"/>\u00e4sentliga an<span class=\"__14 _b_13\"/>ta-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:343.18848px;\">gandena avser bet<span class=\"__14 _b_13\"/>eendemodelleringen f\u00f6r b\u00e5de tillg\u00e5ngar </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:329.66327px;\">och skulder<span class=\"__14 _b_13\"/>. De olika beteenden som Nordeas l\u00e5nek<span class=\"__14 _b_13\"/>under kan </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:316.13806px;\">uppvisa i fr<span class=\"__14 _1058\"/>\u00e5ga om f\u00f6rtidsinl\u00f6sen a<span class=\"__14 _b_13\"/>v l\u00e5n bed\u00f6ms med hj\u00e4lp av </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:302.61285px;\">modeller f\u00f6r f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>tidsinl\u00f6sen. P\u00e5 sk<span class=\"__14 _b_13\"/>uldsidan har Nordea m\u00f6jlig-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:289.08768px;\">het att \u00e4ndra inl\u00e5ningsr<span class=\"__14 _b_13\"/>\u00e4ntan, och kunderna har m\u00f6jlighet att </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:275.56247px;\">n\u00e4r som helst ta ut inl\u00e5ning utan a<span class=\"__14 _b_13\"/>vtalad l\u00f6ptid. B\u00e5da dessa </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:262.03726px;\">m\u00f6jligheter bed\u00f6ms med hj\u00e4lp a<span class=\"__14 _1058\"/>v modeller f\u00f6r inl\u00e5ning utan </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:248.51205px;\">avtalad l<span class=\"__14 _1058\"/>\u00f6ptid. Ber\u00e4kningarna g\u00f6rs utifr<span class=\"__14 _b_13\"/>\u00e5n historiska genom-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:234.98688px;\">snitt f\u00f6r de vik<span class=\"__14 _b_13\"/>tigaste tillg\u00e5ngs- och skuldklasserna. <span class=\"__14 _b_13\"/>Tillg\u00e5ngar </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:221.46167px;\">och skulder grupperas utif<span class=\"__14 _b_13\"/>r\u00e5n viktiga egenskaper s\u00e5som pro-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:207.93646px;\">dukttyp<span class=\"__14 _1058\"/>, region och kundsegmen<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>. Ant<span class=\"__14 _1058\"/>agandena grundas p\u00e5 </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:194.41127px;\">historiska v<span class=\"__14 _b_13\"/>\u00e4rden. Modellernas tillf\u00f6rlitlighet s\u00e4kerst\u00e4lls </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:180.88606px;\">genom regelbundna tes<span class=\"__14 _1058\"/>ter i efterhand och modellkon<span class=\"__14 _b_13\"/>troller </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:167.36087px;\">av b\u00e5de modeller f<span class=\"__14 _b_13\"/>\u00f6r f\u00f6rtidsinl\u00f6sen och modeller f\u00f6r inl\u00e5ning </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:364.9086px; bottom:153.83566px;\">utan avt<span class=\"__14 _b_13\"/>alad l\u00f6ptid.<span class=\"__14 _1ce\"> </span></div>225<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>Kapitalallokeringarna f<span class=\"__14 _b_13\"/>\u00f6r r\u00e4nterisk<span class=\"__14 _1058\"/>en i \u00f6vrig verksamhet enligt pelare 2 har tv\u00e5 komponen<span class=\"__14 _b_13\"/>ter: verkligt v\u00e4rde-risk och r\u00e4n<span class=\"__14 _1058\"/>tenettorisk. V<span class=\"__14 _b_13\"/>erkligt v\u00e4rde-risken a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">vser effekt</span><span class=\"__14 _1058\"/>en p\u00e5 Nordeas egna kapital till f<span class=\"__14 _b_13\"/>\u00f6ljd av negativa f<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar i m\u00e5natliga omv<span class=\"__14 _b_13\"/>\u00e4rderingarna av v\u00e4rdet p\u00e5 positioner r<span class=\"__14 _b_13\"/>edovi-<span class=\"__14 _1ce\"> </span>sade till verkligt v\u00e4r<span class=\"__14 _1058\"/>de via antingen re<span class=\"__14 _1058\"/>sultatr<span class=\"__14 _b_13\"/>\u00e4kningen eller \u00f6vrigt tot<span class=\"__14 _1058\"/>alresulta<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/><span class=\"__14 _1ce\">. R\u00e4ntenettorisken visar eff</span><span class=\"__14 _b_13\"/>ekten a<span class=\"__14 _b_13\"/>v r\u00e4nte-<span class=\"__14 _1ce\"> </span>f\u00f6r<span class=\"__14 _b_13\"/>\u00e4ndringar p\u00e5 den framtida l\u00f6nsamheten, m\u00e4<span class=\"__14 _1058\"/>tt som modell-<span class=\"__14 _1ce\"> </span>ber\u00e4knade f<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar i r\u00e4ntenetto<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>, och hur detta p\u00e5verk<span class=\"__14 _1058\"/>ar niv\u00e5n p\u00e5 de in<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">terna kapitalbuff</span><span class=\"__14 _b_13\"/>er<span class=\"__14 _1072\"/>tarna.<span class=\"__14 _1ce\"> </span>Nordea \u00e4r e<span class=\"__14 _1058\"/>xponerat f<span class=\"__14 _b_13\"/>\u00f6r strukturell v<span class=\"__14 _b_13\"/>alutarisk, vilket de\ufb01-<span class=\"__14 _1ce\"> </span>nieras som brist<span class=\"__14 _1058\"/>ande \u00f6verenss<span class=\"__14 _b_13\"/>t\u00e4mmelse i valutasammans\u00e4tt-<span class=\"__14 _1ce\"> </span>ningen mellan k\u00e4rnprim\u00e4rkapitalet och riske<span class=\"__14 _b_13\"/>xponeringsbe-<span class=\"__14 _1ce\"> </span>loppen. K\u00e4rnprim\u00e4rkapitalet har huvudsakligen eur<span class=\"__14 _1058\"/>o som valuta. De enda s<span class=\"__14 _b_13\"/>t\u00f6rre beloppen i andra valutor \u00e4n eur<span class=\"__14 _b_13\"/>o avser hypoteks<span class=\"__14 _1058\"/>dotterf<span class=\"__14 _1058\"/>\u00f6retagen. V<span class=\"__14 _b_13\"/>alutakursf<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar kan d\u00e4rf\u00f6r p\u00e5v<span class=\"__14 _b_13\"/>erka Nordeas k\u00e4rnprim\u00e4rkapitalrelation negativt. 4.4 Marknadsriskanalys<span class=\"__14 _1ce\"> </span>Marknadsrisken i Nordeas handelslager redo<span class=\"__14 _b_13\"/>visas i tabellen nedan.<span class=\"__14 _1ce\"> </span>Marknadsrisken (V<span class=\"__14 _b_13\"/>aR) uppgick i genomsnitt till 31,5 mn euro under 2022 (24,<span class=\"__14 _b_13\"/>7 mn euro i genomsnitt 2021), och drevs fr\u00e4ms<span class=\"__14 _b_13\"/>t av r\u00e4nt<span class=\"__14 _b_13\"/>erisk<span class=\"__14 _1072\"/>. V<span class=\"__14 _b_13\"/>aR med stresscenario uppgick till <span class=\"__14 _1ce\">44,9 mn euro under 2022 (38,0 mn euro i genomsnitt 2021), </span>fr\u00e4ms<span class=\"__14 _b_13\"/>t h\u00e4nf\u00f6rligt till r\u00e4n<span class=\"__14 _b_13\"/>terisk och i viss m\u00e5n kreditspreadrisk. Den h\u00f6gsta V<span class=\"__14 _1c_10\"/><span class=\"__14 _1ce\">aR-siffran noter</span><span class=\"__14 _b_13\"/>ades under andra kvartalet<span class=\"__14 _1072\"/>, och f\u00f6r V<span class=\"__14 _1c_10\"/>aR med stresscenario under f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>sta kvartalet. V<span class=\"__14 _b_13\"/>aR och V<span class=\"__14 _b_13\"/>aR med stresscenario p\u00e5<span class=\"__14 _b_13\"/>verkas fr\u00e4ms<span class=\"__14 _b_13\"/>t av marknadsrisken i norra E<span class=\"__14 _b_13\"/>uropa och Norden.<span class=\"__14 _1ce\"> </span>Kapitalkr<span class=\"__14 _1058\"/>av<span class=\"__14 _b_13\"/>et vid ytterligare risk (IRC) var vid utg\u00e5ngen a<span class=\"__14 _1058\"/>v 2022 betydligt l\u00e4gre \u00e4n vid utg\u00e5ngen a<span class=\"__14 _b_13\"/>v 2021. L\u00e4gst var e<span class=\"__14 _b_13\"/>xpo<span class=\"__14 _1072\"/>-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">neringen under fj\u00e4rde kvartalet 2022, och h\u00f6gst v</span><span class=\"__14 _b_13\"/>ar IRC under andra kvartalet 2022. Genomsnittligt IRC \u00f6kade j\u00e4m<span class=\"__14 _b_13\"/>f\u00f6rt med f\u00f6r<span class=\"__14 _1058\"/>eg\u00e5ende \u00e5r<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>Det samlade riskkapitalkra<span class=\"__14 _b_13\"/>vet (CRC) var vid ut<span class=\"__14 _1058\"/>g\u00e5ngen av 2022 h\u00f6gre \u00e4n vid utg\u00e5ngen a<span class=\"__14 _b_13\"/>v 2021. L\u00e4gst var e<span class=\"__14 _1058\"/>xponeringen <span class=\"__14 _1ce\">under fj\u00e4rde kvartalet 2022, och h\u00f6gst v</span><span class=\"__14 _b_13\"/>ar CRC under andra kvartalet 2022. Genomsnittligt CRC f\u00f6r 2022 \u00f6kade med <span class=\"__14 _1ce\">13,6 mn euro j\u00e4mf</span><span class=\"__14 _b_13\"/>\u00f6rt med 2021.<span class=\"__14 _1ce\"> </span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>Marknadsrisk i handelslagret<span class=\"__14 _1ce\"> </span>1<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1be\"> </span>31 dec 2022<span class=\"__14 _1120\"> </span>2022 h\u00f6gst<span class=\"__14 _7c_6\"> </span>2022 l\u00e4gst<span class=\"__14 _1104\"> </span>2022 snitt<span class=\"__14 _1ce\"> </span>Samlad V<span class=\"__14 _b_13\"/>aR<span class=\"__14 _1bf\"> </span>33<span class=\"__14 _7a_6\"> </span><span class=\"ls14_11 ws3a_5\">51<span class=\"__14 _1229\"> </span></span>20<span class=\"__14 _7a_6\"> </span>31<span class=\"__14 _1ce\"> </span>R\u00e4nterisk<span class=\"__14 _1c0\"> </span>32<span class=\"__14 _1142\"> </span>50<span class=\"__14 _1128\"> </span>18<span class=\"__14 _7a_6\"> </span>31<span class=\"__14 _1ce\"> </span>Aktierisk<span class=\"__14 _1c1\"> </span>2<span class=\"__14 _7a_6\"> </span>12<span class=\"__14 _1250\"> </span>2<span class=\"__14 _1219\"> </span>5<span class=\"__14 _1ce\"> </span>Kreditspreadrisk<span class=\"__14 _1c2\"> </span>7<span class=\"__14 _7a_6\"> </span>12<span class=\"__14 _1250\"> </span>3<span class=\"__14 _1250\"> </span>7<span class=\"__14 _1ce\"> </span>V<span class=\"__14 _b_13\"/>alutarisk<span class=\"__14 _1bd\"> </span>2<span class=\"__14 _1219\"> </span>5<span class=\"__14 _1140\"> </span>1<span class=\"__14 _1219\"> </span>2<span class=\"__14 _1ce\"> </span>Inflationsrisk<span class=\"__14 _1c3\"> </span>2<span class=\"__14 _1219\"> </span>3<span class=\"__14 _1140\"> </span>1<span class=\"__14 _1250\"> </span>2<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Diversi\ufb01eringseffek</span><span class=\"__14 _b_13\"/>t<span class=\"__14 _1ba\"> </span>27<span class=\"__14 _7a_6\"> </span><span class=\"ls14_11 ws3a_5\">51<span class=\"__14 _7a_6\"> </span></span>16<span class=\"__14 _1128\"> </span>32<span class=\"__14 _1ce\"> </span>Samlad V<span class=\"__14 _b_13\"/>aR, stresscenario<span class=\"__14 _1c4\"> </span>45<span class=\"__14 _1142\"> </span>69<span class=\"__14 _1229\"> </span>32<span class=\"__14 _1128\"> </span>47<span class=\"__14 _1ce\"> </span>Kapitalkra<span class=\"__14 _b_13\"/>v vid ytterligare risk (IRC)<span class=\"__14 _1c5\"> </span>9<span class=\"__14 _1142\"> </span>45<span class=\"__14 _1250\"> </span>7<span class=\"__14 _1229\"> </span>26<span class=\"__14 _1ce\"> </span>Samlat riskkapitalkra<span class=\"__14 _b_13\"/>v (CRC)<span class=\"__14 _17a\"> </span>27<span class=\"__14 _1128\"> </span>47<span class=\"__14 _1128\"> </span>18<span class=\"__14 _1229\"> </span>33<span class=\"__14 _1ce\"> </span>1)  Aktieh\u00e4ndelserisk<span class=\"__14 _1058\"/>en uppgick till 0,2 mn euro vid utg\u00e5ngen av 2022.<span class=\"__14 _1ce\"> </span>Marknadsrisk i \u00f6vrig verksamhet<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1c6\"> </span>31 dec 2022<span class=\"__14 _1120\"> </span>2022 h\u00f6gst<span class=\"__14 _7c_6\"> </span>2022 l\u00e4gst<span class=\"__14 _1104\"> </span>2022 snitt<span class=\"__14 _1ce\"> </span>Samlad V<span class=\"__14 _b_13\"/>aR<span class=\"__14 _1c7\"> </span>123<span class=\"__14 _16f\"> </span><span class=\"ls14_11 ws3a_5\">146<span class=\"__14 _1229\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _1229\"> </span><span class=\"ls18_10 ws3e_5\">97<span class=\"__14 _1ce\"> </span></span></span></span>Marknadsrisk i handelslagret<span class=\"__14 _1ce\"> </span>1<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1c2\"> </span>31 dec 2021<span class=\"__14 _7b_6\"> </span>2021 h\u00f6gst<span class=\"__14 _a1_6\"> </span>2021 l\u00e4gst<span class=\"__14 _1129\"> </span>2021 snitt<span class=\"__14 _1ce\"> </span>Samlad V<span class=\"__14 _b_13\"/>aR<span class=\"__14 _1bf\"> </span>35<span class=\"__14 _1142\"> </span>46<span class=\"__14 _7a_6\"> </span>15<span class=\"__14 _1229\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1ce\"> </span></span>R\u00e4nterisk<span class=\"__14 _1c0\"> </span>37<span class=\"__14 _1128\"> </span>47<span class=\"__14 _1128\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1229\"> </span></span>26<span class=\"__14 _1ce\"> </span>Aktierisk<span class=\"__14 _1c1\"> </span>3<span class=\"__14 _1128\"> </span>22<span class=\"__14 _1219\"> </span>2<span class=\"__14 _1250\"> </span>5<span class=\"__14 _1ce\"> </span>Kreditspreadrisk<span class=\"__14 _1be\"> </span>4<span class=\"__14 _1128\"> </span>19<span class=\"__14 _1219\"> </span>3<span class=\"__14 _1128\"> </span>10<span class=\"__14 _1ce\"> </span>V<span class=\"__14 _b_13\"/>alutarisk<span class=\"__14 _1c8\"> </span>1<span class=\"__14 _1250\"> </span>7<span class=\"__14 _1140\"> </span>1<span class=\"__14 _1219\"> </span>2<span class=\"__14 _1ce\"> </span>Inflationsrisk<span class=\"__14 _1c3\"> </span>2<span class=\"__14 _1219\"> </span>4<span class=\"__14 _1250\"> </span>1<span class=\"__14 _1250\"> </span>2<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Diversi\ufb01eringseffek</span><span class=\"__14 _b_13\"/>t<span class=\"__14 _1c9\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1229\"> </span></span>65<span class=\"__14 _1128\"> </span>22<span class=\"__14 _1142\"> </span>45<span class=\"__14 _1ce\"> </span>Samlad V<span class=\"__14 _b_13\"/>aR, stresscenario<span class=\"__14 _1bc\"> </span>44<span class=\"__14 _1128\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _1229\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1142\"> </span></span></span>38<span class=\"__14 _1ce\"> </span>Kapitalkra<span class=\"__14 _b_13\"/>v vid ytterligare risk (IRC)<span class=\"__14 _18c\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1128\"> </span></span>33<span class=\"__14 _7a_6\"> </span>12<span class=\"__14 _1229\"> </span>20<span class=\"__14 _1ce\"> </span>Samlat riskkapitalkra<span class=\"__14 _b_13\"/>v (CRC)<span class=\"__14 _17a\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1128\"> </span></span>37<span class=\"__14 _1128\"> </span>10<span class=\"__14 _1128\"> </span>19<span class=\"__14 _1ce\"> </span>1)  Aktieh\u00e4ndelserisk<span class=\"__14 _1058\"/>en uppgick till 0,3 mn euro vid utg\u00e5ngen av 2021.<span class=\"__14 _1ce\"> </span>Marknadsrisk i \u00f6vrig verksamhet<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1ca\"> </span>31 dec 2021<span class=\"__14 _7b_6\"> </span>2021 h\u00f6gst<span class=\"__14 _a1_6\"> </span>2021 l\u00e4gst<span class=\"__14 _1129\"> </span>2021 snitt<span class=\"__14 _1ce\"> </span>Samlad V<span class=\"__14 _b_13\"/>aR<span class=\"__14 _1cb\"> </span>69<span class=\"__14 _b8_6\"> </span>122<span class=\"__14 _1128\"> </span>61<span class=\"__14 _1142\"> </span>88<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1ce\"> </span></span></span></span>V<span class=\"__14 _b_13\"/>alutarisken i \u00f6vrig verksamhet har is<span class=\"__14 _b_13\"/>t\u00e4llet \u00f6kat till f\u00f6ljd a<span class=\"__14 _b_13\"/>v en<span class=\"__14 _1ce\"> </span>l\u00e5ng dollarposition som byggts p\u00e5 under \u00e5r<span class=\"__14 _b_13\"/>et<span class=\"__14 _1072\"/>, dock med<span class=\"__14 _1ce\"> </span>begr\u00e4nsad p\u00e5<span class=\"__14 _b_13\"/>verkan p\u00e5 samlat V<span class=\"__14 _b_13\"/>aR tack vare diversi\ufb01erings-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">effek</span><span class=\"__14 _b_13\"/>ter<span class=\"__14 _b_13\"/>. Den samlade marknadsrisken i \u00f6vrig verksamhet h\u00e5l-<span class=\"__14 _1ce\"> </span>ler sig inom Nordeas risk<span class=\"__14 _1058\"/>tolerans.<span class=\"__14 _1ce\"> </span>A<span class=\"__14 _b_13\"/>v de interna str<span class=\"__14 _1058\"/>esscenarier f<span class=\"__14 _b_13\"/>\u00f6r verkligt v\u00e4rde som ing\u00e5r i<span class=\"__14 _1ce\"> </span>ramv<span class=\"__14 _1058\"/>erket f<span class=\"__14 _1058\"/>\u00f6r risktoler<span class=\"__14 _b_13\"/>ans var det vid \u00e5rets slut scenariot<span class=\"__14 _1ce\"> </span>Nordic Housing Crisis som orsakade den st\u00f6rst<span class=\"__14 _b_13\"/>a f\u00f6rlusten i<span class=\"__14 _1ce\"> </span>verkligt v\u00e4r<span class=\"__14 _1058\"/>de-delen av \u00f6vrig v<span class=\"__14 _b_13\"/>erksamhet<span class=\"__14 _1072\"/>, d\u00e4r potentiellt<span class=\"__14 _1ce\"> </span>\u00f6kade r\u00e4n<span class=\"__14 _b_13\"/>teskillnader p\u00e5 nordiska hypoteksl\u00e5n och s<span class=\"__14 _1058\"/>tatsobli-<span class=\"__14 _1ce\"> </span>gationer sp\u00e4dde p\u00e5 b\u00f6rsnedg\u00e5ngen, vilket skulle ge en f<span class=\"__14 _b_13\"/>\u00f6rlust<span class=\"__14 _1ce\"> </span>p\u00e5 465 mn euro (505 mn euro f<span class=\"__14 _b_13\"/>\u00f6reg\u00e5ende \u00e5r) i verkligt v\u00e4rde-<span class=\"__14 _1ce\"> </span>delen av \u00f6<span class=\"__14 _b_13\"/>vrig verksamhet<span class=\"__14 _1072\"/>. \u00d6vrig verksamhet har vanligtvis<span class=\"__14 _1ce\"> </span>en l\u00e5ng position i hypoteksl\u00e5n och s<span class=\"__14 _b_13\"/>tatsobligationer i likvidi-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">tetsbufferten och en l\u00e5ng position i ak</span><span class=\"__14 _b_13\"/>tier genom sina l\u00e5ng-<span class=\"__14 _1ce\"> </span>fristiga illikvida inneha<span class=\"__14 _b_13\"/>v<span class=\"__14 _b_13\"/>, vilket f\u00f6rklarar f<span class=\"__14 _b_13\"/>\u00f6rlusten i det h\u00e4r<span class=\"__14 _1ce\"> </span>v\u00e4rsta sc<span class=\"__14 _1058\"/>enariot.<span class=\"__14 _1ce\"> </span>4.5 Struktur<span class=\"__14 _1058\"/>ell r\u00e4n<span class=\"__14 _1058\"/>tenettorisk (SIIR)/<span class=\"__14 _b_13\"/>ekonomiskt v<span class=\"__14 _1058\"/>\u00e4rde (EV)<span class=\"__14 _1ce\"> </span>Nordeas upplysningar om r<span class=\"__14 _b_13\"/>\u00e4nterisk i \u00f6vrig verksamhet f<span class=\"__14 _b_13\"/>\u00f6ljer<span class=\"__14 _1ce\"> </span>kra<span class=\"__14 _b_13\"/>ven i Pelare 3. F<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringen i ekonomiskt v\u00e4r<span class=\"__14 _b_13\"/>de f\u00f6r posi-<span class=\"__14 _1ce\"> </span>tioner i \u00f6vrig verksamhet till f<span class=\"__14 _b_13\"/>\u00f6ljd av r\u00e4n<span class=\"__14 _b_13\"/>tef\u00f6r\u00e4ndringar har<span class=\"__14 _1ce\"> </span>bed\u00f6mts i enlighet med myndighet<span class=\"__14 _b_13\"/>ernas sex r\u00e4nt<span class=\"__14 _b_13\"/>echocksce-<span class=\"__14 _1ce\"> </span>narier<span class=\"__14 _b_13\"/>, och r\u00e4ntenett<span class=\"__14 _b_13\"/>ot i \u00f6vrig verksamhet under en 12-m\u00e5na-<span class=\"__14 _1ce\"> </span>dersperiod har bed\u00f6mts i enlighet med de tv\u00e5 par<span class=\"__14 _b_13\"/>allella f\u00f6r-<span class=\"__14 _1ce\"> </span>\u00e4ndringarna, som b\u00e5da de\ufb01nierats a<span class=\"__14 _b_13\"/>v Eur<span class=\"__14 _b_13\"/>opeiska bankmyn-<span class=\"__14 _1ce\"> </span>digheten. Vid \u00e5rets slut uppgick den h\u00f6gs<span class=\"__14 _b_13\"/>ta f\u00f6rlusten i<span class=\"__14 _1ce\"> </span>ekonomiskt v<span class=\"__14 _b_13\"/>\u00e4rde till 1 230 mn euro i \u201dparallellf\u00f6rskjutning<span class=\"__14 _1ce\"> </span>ned\u00e5t\u201d-scenariot och den h\u00f6gsta f<span class=\"__14 _b_13\"/>\u00f6rlusten i r\u00e4n<span class=\"__14 _b_13\"/>tenettot under<span class=\"__14 _1ce\"> </span>ett \u00e5r var 1 295 mn euro<span class=\"__14 _1058\"/>, \u00e4v<span class=\"__14 _b_13\"/>en h\u00e4r i \u201dparallellf\u00f6rskjutning<span class=\"__14 _1ce\"> </span>ned\u00e5t\u201d-scenariot.<span class=\"__14 _1ce\"> </span>4.6 \u00d6vrig marknadsrisk \u2013 pensionsrisk<span class=\"__14 _1ce\"> </span>Pensionsrisk (inklusiv<span class=\"__14 _b_13\"/>e marknads- och livsfallsrisk) uppst\u00e5r i<span class=\"__14 _1ce\"> </span>samband med f\u00f6rm\u00e5nsbes<span class=\"__14 _b_13\"/>t\u00e4mda pensioner f\u00f6r Nordeas tidi-<span class=\"__14 _1ce\"> </span>gare och nuvar<span class=\"__14 _b_13\"/>ande medarbetare. Pensionsplanernas f\u00f6r-<span class=\"__14 _1ce\"> </span>m\u00e5ga att klara de planer<span class=\"__14 _b_13\"/>ade pensionsutbetalningarna upp<span class=\"__14 _1072\"/>-<span class=\"__14 _1ce\"> </span>r\u00e4tth\u00e5lls genom plac<span class=\"__14 _1058\"/>eringar och l\u00f6pande inbetalning till<span class=\"__14 _1ce\"> </span> planerna.<span class=\"__14 _1ce\"> </span>Som pensionsrisker r\u00e4knas s<span class=\"__14 _1058\"/>tigande v\u00e4rde p\u00e5 sk<span class=\"__14 _1058\"/>ulderna<span class=\"__14 _1ce\"> </span>eller sjunkande v\u00e4rde p\u00e5 tillg\u00e5ngarna. Dessa risk<span class=\"__14 _b_13\"/>er rapporte-<span class=\"__14 _1ce\"> </span>ras och f<span class=\"__14 _b_13\"/>\u00f6ljs upp regelbundet och innefattar \u00e4<span class=\"__14 _b_13\"/>ven olika del-<span class=\"__14 _1ce\"> </span>komponent<span class=\"__14 _b_13\"/>er av marknadsrisken, till ex<span class=\"__14 _b_13\"/>empel r\u00e4nte-, in<span class=\"__14 _b_13\"/>fla-<span class=\"__14 _1ce\"> </span>tions-, kreditspread-, f<span class=\"__14 _b_13\"/>astighets- och aktierisk. I syfte att<span class=\"__14 _1ce\"> </span>begr\u00e4nsa Nordeas risker \ufb01nns limit<span class=\"__14 _b_13\"/>er f\u00f6r poten<span class=\"__14 _1058\"/>tiella f\u00f6rlus<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1ce\"> </span>under allvarliga men rimliga s<span class=\"__14 _b_13\"/>tressh\u00e4ndelser och limiter f\u00f6r<span class=\"__14 _1ce\"> </span>kapitalutnyttjande. Dessut<span class=\"__14 _b_13\"/>om g\u00f6r<span class=\"__14 _1072\"/>s regelbundna granskningar<span class=\"__14 _1ce\"> </span>av planernas s<span class=\"__14 _b_13\"/>trategiska tillg\u00e5ngsf<span class=\"__14 _1058\"/>\u00f6rdelning f<span class=\"__14 _1058\"/>\u00f6r att s\u00e4kerst\u00e4lla<span class=\"__14 _1ce\"> </span>att placeringsinrik<span class=\"__14 _b_13\"/>tningen speglar Nordeas risktolerans. F<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1ce\"> </span>ytterligare in<span class=\"__14 _1058\"/>forma<span class=\"__14 _b_13\"/>tion, se not K8.<span class=\"__14 _1072\"/>2.<span class=\"__14 _1ce\"> </span>Group Opera<span class=\"__14 _1058\"/>tional Risk inom Group Risk utg\u00f6r den andra<span class=\"__14 _1ce\"> </span>f\u00f6rsvarslinjen f<span class=\"__14 _b_13\"/>\u00f6r kontroll a<span class=\"__14 _b_13\"/>v operativ risk generellt och ansva<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>rar f<span class=\"__14 _b_13\"/>\u00f6r att ta fram och underh\u00e5lla det \u00f6ver<span class=\"__14 _b_13\"/>gripande ramverket<span class=\"__14 _1ce\"> </span>f\u00f6r han<span class=\"__14 _b_13\"/>tering av opera<span class=\"__14 _b_13\"/>tiv risk samt f\u00f6r att \u00f6<span class=\"__14 _1058\"/>vervaka och kon-<span class=\"__14 _1ce\"> </span>trollera den f<span class=\"__14 _b_13\"/>\u00f6rsta f\u00f6rsvarslinjens hant<span class=\"__14 _1058\"/>ering av oper<span class=\"__14 _b_13\"/>ativ risk.<span class=\"__14 _1ce\"> </span>Group Opera<span class=\"__14 _1058\"/>tional Risk samarbetar med specialenheter i den<span class=\"__14 _1ce\"> </span>andra f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>svarslinjen, ex<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">empelvis Chief Security Office i fr\u00e5ga<span class=\"__14 _1ce\"> </span></span>om s\u00e4kerhetsrisker<span class=\"__14 _1c_10\"/>. Group Operational Risk \u00f6vervakar och<span class=\"__14 _1ce\"> </span>kontr<span class=\"__14 _b_13\"/>ollerar att de operativ<span class=\"__14 _1058\"/>a riskerna identi\ufb01er<span class=\"__14 _b_13\"/>as, bed\u00f6ms och<span class=\"__14 _1ce\"> </span>begr\u00e4nsas p\u00e5 l\u00e4mpligt s\u00e4tt, j\u00e4mf<span class=\"__14 _b_13\"/>\u00f6r riskniv\u00e5n mot risktoler<span class=\"__14 _b_13\"/>an-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">sen och bed\u00f6mer l\u00e4mpligheten och eff</span><span class=\"__14 _b_13\"/>ektiviteten i ramv<span class=\"__14 _b_13\"/>erket<span class=\"__14 _1ce\"> </span>f\u00f6r han<span class=\"__14 _b_13\"/>tering av opera<span class=\"__14 _b_13\"/>tiv risk liksom ramverkets in<span class=\"__14 _1058\"/>f\u00f6r<span class=\"__14 _b_13\"/>ande.<span class=\"__14 _1ce\"> </span>Fok<span class=\"__14 _b_13\"/>usomr\u00e5dena f\u00f6r Group Oper<span class=\"__14 _1058\"/>ational Risks kon<span class=\"__14 _b_13\"/>trollarbete<span class=\"__14 _1ce\"> </span>beslutas i en \u00e5rlig planering som om<span class=\"__14 _1058\"/>fa<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ttar aff</span><span class=\"__14 _b_13\"/>\u00e4r<span class=\"__14 _1072\"/>somr\u00e5den, vik<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>tiga riskomr\u00e5den och oper<span class=\"__14 _1058\"/>ativa riskpr<span class=\"__14 _b_13\"/>ocesser<span class=\"__14 _b_13\"/>. Group Opera-<span class=\"__14 _1ce\"> </span>tional Risk ansvarar f<span class=\"__14 _b_13\"/>\u00f6r att regelbundet ta fr<span class=\"__14 _1058\"/>am rapporter om<span class=\"__14 _1ce\"> </span>alla v\u00e4sen<span class=\"__14 _b_13\"/>tliga risker<span class=\"__14 _1058\"/>, inklusive utnyttjad del a<span class=\"__14 _b_13\"/>v risktoler<span class=\"__14 _1058\"/>ansli-<span class=\"__14 _1ce\"> </span>miterna och incident<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">, och skicka dessa till Chief Risk Officer</span><span class=\"__14 _b_13\"/>,<span class=\"__14 _1ce\"> </span>som sedan rapporterar till k<span class=\"__14 _b_13\"/>oncernchefen i koncernledningen,<span class=\"__14 _1ce\"> </span>koncernstyr<span class=\"__14 _b_13\"/>elsen och ber\u00f6rda kommitt\u00e9er<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>I linje med de lokala myndigheternas an<span class=\"__14 _1058\"/>visningar under<span class=\"__14 _1ce\"> </span>covid-19-pandemin, \u00f6ppnade Nor<span class=\"__14 _b_13\"/>dea successivt upp sina<span class=\"__14 _1ce\"> </span>bankkont<span class=\"__14 _b_13\"/>or och huvudkontor under 2022 och fortsatt<span class=\"__14 _1058\"/>e \u00f6ver-<span class=\"__14 _1ce\"> </span>g\u00e5ngen till en hybridmodell som i viss utstr<span class=\"__14 _b_13\"/>\u00e4ckning medger<span class=\"__14 _1ce\"> </span>fortsatt dis<span class=\"__14 _1058\"/>tansarbete. Nordeas oper<span class=\"__14 _1058\"/>ativa f<span class=\"__14 _b_13\"/>\u00f6rluster har int<span class=\"__14 _b_13\"/>e<span class=\"__14 _1ce\"> </span>\u00f6kat n\u00e4mnv<span class=\"__14 _b_13\"/>\u00e4r<span class=\"__14 _1072\"/>t till f\u00f6ljd a<span class=\"__14 _b_13\"/>v covid-19-pandemin. Nordea har<span class=\"__14 _1ce\"> </span>under \u00e5ret noga bevaka<span class=\"__14 _b_13\"/>t det geopolitiska l\u00e4get i Ukraina och<span class=\"__14 _1ce\"> </span>forts\u00e4tter a<span class=\"__14 _b_13\"/>tt g\u00f6ra det<span class=\"__14 _1072\"/>. Under hela \u00e5ret noter<span class=\"__14 _b_13\"/>ades en f\u00f6rh\u00f6jd<span class=\"__14 _1ce\"> </span>hotniv\u00e5 f<span class=\"__14 _b_13\"/>\u00f6r cybers\u00e4kerhet och i viss m\u00e5n f\u00f6r fysisk s\u00e4kerhet.<span class=\"__14 _1ce\"> </span>\u00c5tg\u00e4rder vidtogs f<span class=\"__14 _b_13\"/>\u00f6r att hanter<span class=\"__14 _1058\"/>a den \u00f6kade risken p\u00e5 dessa<span class=\"__14 _1ce\"> </span>omr\u00e5den.<span class=\"__14 _1ce\"> </span>Riskf\u00f6rklaringen f<span class=\"__14 _b_13\"/>\u00f6r operativ risk fas<span class=\"__14 _b_13\"/>tst\u00e4ller f\u00f6ljande:<span class=\"__14 _1ce\"> </span>\u2022 <span class=\"__14 _1f_10\"> </span>kvarvarande risk som \u00f6<span class=\"__14 _b_13\"/>verskrider risktoleransen och kr<span class=\"__14 _1058\"/>av<span class=\"__14 _1ce\"> </span>p\u00e5 riskbegr\u00e4nsande \u00e5t<span class=\"__14 _1058\"/>g\u00e4rder<span class=\"__14 _b_13\"/>, och<span class=\"__14 _1ce\"> </span>\u2022 <span class=\"__14 _1f_10\"> </span>total<span class=\"__14 _1058\"/>t f\u00f6rlus<span class=\"__14 _b_13\"/>tbelopp fr\u00e5n incidenter sam<span class=\"__14 _b_13\"/>t antal intr<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">\u00e4ff</span><span class=\"__14 _1058\"/>ade<span class=\"__14 _1ce\"> </span>f\u00f6rlus<span class=\"__14 _b_13\"/>th\u00e4ndelser<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>5.<span class=\"__14 _b_13\"/>1 Hant<span class=\"__14 _1058\"/>ering av oper<span class=\"__14 _b_13\"/>ativ risk<span class=\"__14 _1ce\"> </span>Hanteringen a<span class=\"__14 _b_13\"/>v operativ risk innef<span class=\"__14 _b_13\"/>attar allt som syftar till att<span class=\"__14 _1ce\"> </span>identi\ufb01er<span class=\"__14 _1058\"/>a, bed\u00f6ma och m\u00e4ta, reager<span class=\"__14 _b_13\"/>a p\u00e5 och begr\u00e4nsa, kon-<span class=\"__14 _1ce\"> </span>trollera och f<span class=\"__14 _b_13\"/>\u00f6lja upp samt rapportera risker<span class=\"__14 _1c_10\"/>. F\u00f6r riskhante-<span class=\"__14 _1ce\"> </span>ringen \ufb01nns ett antal s<span class=\"__14 _b_13\"/>t\u00f6dprocesser<span class=\"__14 _b_13\"/>, bland annat f\u00f6r utv<span class=\"__14 _b_13\"/>\u00e4rde-<span class=\"__14 _1ce\"> </span>ring av risk<span class=\"__14 _b_13\"/>er och kontroller i den egna verksamheten, risk<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>hantering och godk\u00e4nnande vid f<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar<span class=\"__14 _b_13\"/>,<span class=\"__14 _1ce\"> </span>incidenthan<span class=\"__14 _b_13\"/>tering, scenarioanalys, kon<span class=\"__14 _1058\"/>tinuitets- och krishan-<span class=\"__14 _1ce\"> </span>tering, hant<span class=\"__14 _1058\"/>ering av in<span class=\"__14 _b_13\"/>formationss\u00e4kerhet, hantering a<span class=\"__14 _b_13\"/>v tek-<span class=\"__14 _1ce\"> </span>nik- och da<span class=\"__14 _b_13\"/>tarisker<span class=\"__14 _b_13\"/>, hantering av tr<span class=\"__14 _1058\"/>edjepartsrisker<span class=\"__14 _b_13\"/>, spridning<span class=\"__14 _1ce\"> </span>av f<span class=\"__14 _b_13\"/>\u00f6rs\u00e4kringsrisker samt s\u00e4rskilt viktiga oper<span class=\"__14 _b_13\"/>ativa processer<span class=\"__14 _1c_10\"/>.<span class=\"__14 _1ce\"> </span>Vissa av dessa pr<span class=\"__14 _b_13\"/>ocesser beskrivs nedan och mer informa<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>tion om processer f<span class=\"__14 _b_13\"/>\u00f6r hantering och kon<span class=\"__14 _b_13\"/>troll av operativ<span class=\"__14 _b_13\"/>a ris-<span class=\"__14 _1ce\"> </span>ker \ufb01nns i a<span class=\"__14 _b_13\"/>vsnittet Operational and Compliance Risk i<span class=\"__14 _1ce\"> </span>Nordeas kapital- och riskhan<span class=\"__14 _b_13\"/>teringsrapport f\u00f6r 2022 (<span class=\"__14 _1058\"/>Capital<span class=\"__14 _1ce\"> </span>and Risk Management R<span class=\"__14 _1058\"/>eport 2021) som publiceras i enlighet<span class=\"__14 _1ce\"> </span>med kapitalt\u00e4ckningsf<span class=\"__14 _b_13\"/>\u00f6rordningen (CRR).<span class=\"__14 _1ce\"> </span>Utv\u00e4rdering av risker<span class=\"__14 _1058\"/> och kon<span class=\"__14 _b_13\"/>troller<span class=\"__14 _1ce\"> </span>i den egna verksamheten<span class=\"__14 _1ce\"> </span>Processen f<span class=\"__14 _b_13\"/>\u00f6r utv\u00e4rdering av risk<span class=\"__14 _b_13\"/>er och kontroller i den egna<span class=\"__14 _1ce\"> </span>verksamheten ska s\u00e4kers<span class=\"__14 _1058\"/>t\u00e4lla en \u00f6versik<span class=\"__14 _b_13\"/>t och bed\u00f6mning av<span class=\"__14 _1ce\"> </span>de operativ<span class=\"__14 _b_13\"/>a riskerna och regelefterlevnadsriskerna, liksom<span class=\"__14 _1ce\"> </span>kontr<span class=\"__14 _b_13\"/>ollerna av dessa, i hela Nordea. Proce<span class=\"__14 _1058\"/>ssen \u00f6kar riskmed-<span class=\"__14 _1ce\"> </span>vetenheten och g\u00f6r det m\u00f6jligt a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">tt dels effektivt bed\u00f6ma,<span class=\"__14 _1ce\"> </span></span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>5. Operativ risk<span class=\"__14 _1ce\"> </span>Operativ risk de\ufb01nier<span class=\"__14 _b_13\"/>as i Nordea som risken f\u00f6r f<span class=\"__14 _b_13\"/>\u00f6rlust till<span class=\"__14 _1ce\"> </span>f\u00f6ljd a<span class=\"__14 _b_13\"/>v brister eller fel h\u00e4n<span class=\"__14 _b_13\"/>f\u00f6rliga till interna pr<span class=\"__14 _b_13\"/>ocesser<span class=\"__14 _b_13\"/>, eller<span class=\"__14 _1ce\"> </span>till m\u00e4nniskor<span class=\"__14 _b_13\"/>, system eller e<span class=\"__14 _b_13\"/>xterna h\u00e4ndelser<span class=\"__14 _b_13\"/>, och innefattar<span class=\"__14 _1ce\"> </span>legal risk.<span class=\"__14 _1ce\"> </span>Operativ<span class=\"__14 _b_13\"/>a risker \ufb01nns i all verksamhet i Nordea. Chefer i<span class=\"__14 _1ce\"> </span>hela Nordea ansvar<span class=\"__14 _b_13\"/>ar f\u00f6r de operativa risk<span class=\"__14 _b_13\"/>erna inom ramen<span class=\"__14 _1ce\"> </span>f\u00f6r sina bef<span class=\"__14 _b_13\"/>ogenheter<span class=\"__14 _b_13\"/>, och f\u00f6r att han<span class=\"__14 _1058\"/>tera dessa risk<span class=\"__14 _1058\"/>er inom<span class=\"__14 _1ce\"> </span>de risklimiter och den riskt<span class=\"__14 _b_13\"/>olerans som anges i ramverk<span class=\"__14 _1058\"/>et f\u00f6r<span class=\"__14 _1ce\"> </span>hantering a<span class=\"__14 _b_13\"/>v operativ risk.<span class=\"__14 _1ce\"> </span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>fr\u00e5n f<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar i omv\u00e4rlden. Under 2022 in<span class=\"__14 _1058\"/>f\u00f6r<span class=\"__14 _1058\"/>de Nordea<span class=\"__14 _1ce\"> </span>ocks\u00e5 MiFID II-kra<span class=\"__14 _b_13\"/>ven om h\u00e5llbarhetspreferens<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>, som ger<span class=\"__14 _1ce\"> </span>kunder m\u00f6jlighet att p\u00e5 ett mer s<span class=\"__14 _b_13\"/>trukturerat s\u00e4<span class=\"__14 _b_13\"/>tt uttr<span class=\"__14 _1072\"/>ycka sina<span class=\"__14 _1ce\"> </span>pref<span class=\"__14 _b_13\"/>erenser n\u00e4r det g\u00e4ller h\u00e5llbara placeringar<span class=\"__14 _b_13\"/>. I samband<span class=\"__14 _1ce\"> </span>med detta, och andra f<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar p\u00e5 marknaden och i regel-<span class=\"__14 _1ce\"> </span>verken, har Nordea ocks\u00e5 sk<span class=\"__14 _1058\"/>\u00e4rpt sitt f<span class=\"__14 _1058\"/>okus i regeleft<span class=\"__14 _1058\"/>erlev-<span class=\"__14 _1ce\"> </span>nadsfunk<span class=\"__14 _1058\"/>tionen p\u00e5 att s\u00e4kerst\u00e4lla a<span class=\"__14 _b_13\"/>tt det \ufb01nns tillr\u00e4ckliga<span class=\"__14 _1ce\"> </span>kontr<span class=\"__14 _b_13\"/>oller f\u00f6r att begr\u00e4nsa risken f<span class=\"__14 _b_13\"/>\u00f6r s\u00e5 kallad gr\u00f6nm\u00e5lning<span class=\"__14 _1ce\"> </span>(green<span class=\"__14 _1058\"/>washing).<span class=\"__14 _1ce\"> </span>Nordeas etiska rik<span class=\"__14 _1058\"/>tlinjer och h\u00e5llbarhetspolicy beskriver de<span class=\"__14 _1ce\"> </span>\u00f6vergripande a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ff\u00e4rsetiska principerna f\u00f6r hur vi ska behandla<span class=\"__14 _1ce\"> </span></span>v\u00e5ra k<span class=\"__14 _b_13\"/>under och hur v\u00e5ra medarbetare f<span class=\"__14 _1058\"/>\u00f6rv\u00e4ntas ager<span class=\"__14 _b_13\"/>a. Som<span class=\"__14 _1ce\"> </span>st\u00f6d \ufb01nns Nordeas \u00f6<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">vergripande aff\u00e4rsprinciper som beskri-<span class=\"__14 _1ce\"> </span></span>ver hur vi ska behandla v\u00e5r<span class=\"__14 _b_13\"/>a kunder och hur v\u00e5ra medarbe-<span class=\"__14 _1ce\"> </span>tare f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>v\u00e4ntas ager<span class=\"__14 _b_13\"/>a. De ligger till grund f\u00f6r Nordeas kultur<span class=\"__14 _1ce\"> </span>och sl\u00e5r fas<span class=\"__14 _1058\"/>t hur vi ska agera inom omr\u00e5den s<span class=\"__14 _1058\"/>om ex<span class=\"__14 _b_13\"/>empelvis<span class=\"__14 _1ce\"> </span>milj\u00f6h\u00e4nsyn, arbetsvillkor<span class=\"__14 _b_13\"/>, behandling av k<span class=\"__14 _b_13\"/>under, m\u00e4nskliga<span class=\"__14 _1ce\"> </span>r\u00e4ttighet<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>, r\u00e4tten till in<span class=\"__14 _b_13\"/>tegritet<span class=\"__14 _1072\"/>, r\u00e4ttvis k<span class=\"__14 _1058\"/>onkurrens sam<span class=\"__14 _b_13\"/>t<span class=\"__14 _1ce\"> </span>bek\u00e4mpning av mut<span class=\"__14 _b_13\"/>or och korruption. V<span class=\"__14 _b_13\"/>\u00e5ra etiska riktlinjer<span class=\"__14 _1ce\"> </span>granskas en g\u00e5ng om \u00e5ret och uppda<span class=\"__14 _b_13\"/>terades senast i juni<span class=\"__14 _1ce\"> </span>2022. Uppf\u00f6ljningen a<span class=\"__14 _b_13\"/>v hur riktlinjerna efterlevs sk<span class=\"__14 _b_13\"/>er genom<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">regelbunden rapportering till Chief Compliance Offic</span><span class=\"__14 _b_13\"/>er, Chief<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Risk Officer</span><span class=\"__14 _b_13\"/>, koncernchef<span class=\"__14 _b_13\"/>en och styrelsen. Alla v<span class=\"__14 _1058\"/>\u00e5ra medarbe-<span class=\"__14 _1ce\"> </span>tare ska varje \u00e5r genomg\u00e5 en utbildning om v<span class=\"__14 _b_13\"/>\u00e5ra etiska rikt-<span class=\"__14 _1ce\"> </span>linjer som en del av der<span class=\"__14 _b_13\"/>as \u201dlicence to work\u201d<span class=\"__14 _1c_10\"/>. P\u00e5 s\u00e5 s\u00e4tt s\u00e4ker-<span class=\"__14 _1ce\"> </span>st\u00e4lls den medvet<span class=\"__14 _1058\"/>enhet och kunskap som beh\u00f6vs om de<span class=\"__14 _1ce\"> </span>etiska principerna. Utbildningen 2022 innefa<span class=\"__14 _b_13\"/>ttade \u00e4ven<span class=\"__14 _1ce\"> </span>m\u00e5ngfald och inkludering och ager<span class=\"__14 _b_13\"/>ande p\u00e5 n\u00e4tet, ut\u00f6ver de<span class=\"__14 _1ce\"> </span>mer allm\u00e4nna delarna om v\u00e5ra etiska rik<span class=\"__14 _b_13\"/>tlinjer med bland<span class=\"__14 _1ce\"> </span>annat bek\u00e4mpning a<span class=\"__14 _b_13\"/>v mutor och korruption. Under \u00e5ret \ufb01ck<span class=\"__14 _1ce\"> </span>97<span class=\"__14 _1c_10\"/>,<span class=\"__14 _1072\"/>2 procen<span class=\"__14 _1058\"/>t av alla medarbetar<span class=\"__14 _b_13\"/>e (f\u00f6rutom tj\u00e4nstlediga/f\u00f6r-<span class=\"__14 _1ce\"> </span>\u00e4ldralediga) sin \u201dlicence t<span class=\"__14 _b_13\"/>o work\u201d<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>Nordeas funk<span class=\"__14 _b_13\"/>tion f\u00f6r visselbl\u00e5sning, Raise Y<span class=\"__14 _1c_10\"/>our Concern<span class=\"__14 _1ce\"> </span>(RY<span class=\"__14 _b_13\"/>C), s\u00e4kerst\u00e4ller att alla v\u00e5r<span class=\"__14 _b_13\"/>a intressent<span class=\"__14 _b_13\"/>er, s\u00e5s<span class=\"__14 _1058\"/>om kunder<span class=\"__14 _b_13\"/>,<span class=\"__14 _1ce\"> </span>partners, ber\u00f6rda samh\u00e4llsgrupper liksom v\u00e5ra egna medar-<span class=\"__14 _1ce\"> </span>betare, har r\u00e4<span class=\"__14 _b_13\"/>tt att s\u00e4ga ifr\u00e5n och alltid kan k\u00e4nna sig trygga i<span class=\"__14 _1ce\"> </span>att g\u00f6ra det om de miss<span class=\"__14 _b_13\"/>t\u00e4nker exempel<span class=\"__14 _b_13\"/>vis brott mot de<span class=\"__14 _1ce\"> </span>m\u00e4nskliga r\u00e4ttighet<span class=\"__14 _1058\"/>erna eller oegentligheter s\u00e5s<span class=\"__14 _1058\"/>om bedr\u00e4geri<span class=\"__14 _1ce\"> </span>eller ett i \u00f6vrigt bedr\u00e4gligt, o\u00e4rligt, olagligt eller oaktsamt<span class=\"__14 _1ce\"> </span>agerande i v\u00e5r v<span class=\"__14 _b_13\"/>erksamhet eller i v\u00e5ra produkt<span class=\"__14 _b_13\"/>er och tj\u00e4nster<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>Det kan till ex<span class=\"__14 _b_13\"/>empel r\u00f6ra sig om n\u00e5got som s<span class=\"__14 _1058\"/>trider mot lagar<span class=\"__14 _1ce\"> </span>och regler eller mot Nor<span class=\"__14 _1058\"/>deas interna rik<span class=\"__14 _b_13\"/>tlinjer<span class=\"__14 _b_13\"/>, instruktioner<span class=\"__14 _1ce\"> </span>eller anvisningar<span class=\"__14 _b_13\"/>. Rapporteringen kan g\u00f6ras muntligen eller<span class=\"__14 _1ce\"> </span>skriftligen, och Nordea s\u00e4kerst\u00e4ller a<span class=\"__14 _b_13\"/>tt all rapportering hante-<span class=\"__14 _1ce\"> </span>ras strik<span class=\"__14 _b_13\"/>t kon\ufb01dentiell<span class=\"__14 _1058\"/>t. Rappor<span class=\"__14 _1072\"/>tering kan g\u00f6ras i alla l\u00e4nder<span class=\"__14 _1ce\"> </span>d\u00e4r Nordea har verksamhet. Det g\u00e5r ocks\u00e5 att rapportera<span class=\"__14 _1ce\"> </span>anonymt via den elek<span class=\"__14 _b_13\"/>troniska rapporteringskanalen Whis<span class=\"__14 _b_13\"/>tleB.<span class=\"__14 _1ce\"> </span>Den h\u00e4r kanalen hanter<span class=\"__14 _b_13\"/>as av en ext<span class=\"__14 _b_13\"/>ern par<span class=\"__14 _1072\"/>t, \u00e4r helt skild fr\u00e5n<span class=\"__14 _1ce\"> </span>Nordeas \u00f6vriga IT<span class=\"__14 _1c_10\"/>-system och sp\u00e5rar in<span class=\"__14 _b_13\"/>te IP-adresser eller<span class=\"__14 _1ce\"> </span>andra uppgifter som kan iden<span class=\"__14 _b_13\"/>ti\ufb01era den som skickar ett med-<span class=\"__14 _1ce\"> </span>delande. \u00c4renden s<span class=\"__14 _b_13\"/>om rappor<span class=\"__14 _1072\"/>teras via R<span class=\"__14 _b_13\"/>YC ing\u00e5r i uppf<span class=\"__14 _b_13\"/>\u00f6lj-<span class=\"__14 _1ce\"> </span>ningen av hur v<span class=\"__14 _b_13\"/>\u00e4l v\u00e5ra etiska riktlinjer eft<span class=\"__14 _1058\"/>erlevs. En samman-<span class=\"__14 _1ce\"> </span>fa<span class=\"__14 _1058\"/>ttning av vik<span class=\"__14 _b_13\"/>tiga trender och statis<span class=\"__14 _1058\"/>tik \u00f6ver \u00e4renden skick<span class=\"__14 _1058\"/>as<span class=\"__14 _1ce\"> </span>avpersoni\ufb01er<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">at till Chief Compliance Officer</span><span class=\"__14 _b_13\"/>, Chief People<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Officer och Chief Risk Officer</span><span class=\"__14 _1c_10\"/>, och ing\u00e5r dessutom i lednings-<span class=\"__14 _1ce\"> </span>rapporter och rapporter till styr<span class=\"__14 _1058\"/>elsen.<span class=\"__14 _1ce\"> </span>Nordea omf<span class=\"__14 _b_13\"/>attas av olika lagar och r<span class=\"__14 _b_13\"/>egler, bland anna<span class=\"__14 _b_13\"/>t fr\u00e5n<span class=\"__14 _1ce\"> </span>Norden, EU och USA. De tillsynsmyndigheter och st<span class=\"__14 _b_13\"/>atliga<span class=\"__14 _1ce\"> </span>myndigheter som \u00f6<span class=\"__14 _1058\"/>vervakar att dessa lagar och r<span class=\"__14 _b_13\"/>egler efter-<span class=\"__14 _1ce\"> </span>levs st\u00e4ller r<span class=\"__14 _1058\"/>egelbundet fr\u00e5gor kring och genom<span class=\"__14 _b_13\"/>f\u00f6r utred-<span class=\"__14 _1ce\"> </span>ningar av Nor<span class=\"__14 _b_13\"/>deas regelefterlevnad. <span class=\"__14 _b_13\"/>Till de omr\u00e5den som kan<span class=\"__14 _1ce\"> </span>omf<span class=\"__14 _b_13\"/>attas av s\u00e5dana utredningar h\u00f6r bland anna<span class=\"__14 _b_13\"/>t placerings-<span class=\"__14 _1ce\"> </span>r\u00e5dgivning, bek\u00e4mpning a<span class=\"__14 _b_13\"/>v penningtv\u00e4tt, handel och sank-<span class=\"__14 _1ce\"> </span>tionsbevakning, ska<span class=\"__14 _1058\"/>tt, konkurrens samt s<span class=\"__14 _b_13\"/>tyrning och kontroll.<span class=\"__14 _1ce\"> </span>Resulta<span class=\"__14 _b_13\"/>tet av dessa fr<span class=\"__14 _b_13\"/>\u00e5gor och utredningar har \u00e4nnu inte<span class=\"__14 _1ce\"> </span>meddelats och tidpunk<span class=\"__14 _1058\"/>ten \u00e4r oklar<span class=\"__14 _b_13\"/>. Det kan d\u00e4rmed inte ut<span class=\"__14 _1058\"/>e-<span class=\"__14 _1ce\"> </span>slutas att dessa f<span class=\"__14 _b_13\"/>r\u00e5gor och utredningar leder till kritik mot<span class=\"__14 _1ce\"> </span>Nordea, f<span class=\"__14 _1058\"/>\u00f6rlorat anseende, b\u00f6<span class=\"__14 _b_13\"/>ter<span class=\"__14 _b_13\"/>, sanktioner<span class=\"__14 _b_13\"/>, tvister och/<span class=\"__14 _b_13\"/>eller<span class=\"__14 _1ce\"> </span>st\u00e4mningar<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>Inom ramen f<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">\u00f6r den normala aff\u00e4rsverksamheten \u00e4r<span class=\"__14 _1ce\"> </span></span>Nordea f<span class=\"__14 _1058\"/>\u00f6rem\u00e5l f<span class=\"__14 _1058\"/>\u00f6r ett antal kr<span class=\"__14 _b_13\"/>av som avs<span class=\"__14 _1058\"/>er bank- och in<span class=\"__14 _1058\"/>ves-<span class=\"__14 _1ce\"> </span>teringstj\u00e4nst<span class=\"__14 _b_13\"/>er samt andra tj\u00e4nster<span class=\"__14 _1c_10\"/>. Vissa av dessa kra<span class=\"__14 _b_13\"/>v har<span class=\"__14 _1ce\"> </span>lett till eller kan leda till tvister och/<span class=\"__14 _b_13\"/>eller st\u00e4mningar<span class=\"__14 _b_13\"/>. De flesta<span class=\"__14 _1ce\"> </span>kra<span class=\"__14 _b_13\"/>v h\u00e4nf\u00f6r sig till l\u00e5n och insol<span class=\"__14 _1058\"/>vens, olika inv<span class=\"__14 _1058\"/>esterings<span class=\"__14 _b_13\"/>tj\u00e4nster<span class=\"__14 _b_13\"/>,<span class=\"__14 _1ce\"> </span>dep\u00e5tj\u00e4nster (sub-custody) och k<span class=\"__14 _1058\"/>\u00e4llskatt. Inget av de p\u00e5g\u00e5<span class=\"__14 _1058\"/>-<span class=\"__14 _1ce\"> </span>ende kra<span class=\"__14 _b_13\"/>ven bed\u00f6ms medf\u00f6ra n\u00e5gon v<span class=\"__14 _1058\"/>\u00e4sentlig nega<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">tiv effekt<span class=\"__14 _1ce\"> </span></span>p\u00e5 Nordea eller dess \ufb01nansiella st\u00e4llning.<span class=\"__14 _1ce\"> </span>Mer inf<span class=\"__14 _b_13\"/>ormation om viktiga processer f<span class=\"__14 _b_13\"/>\u00f6r hantering och<span class=\"__14 _1ce\"> </span>kontr<span class=\"__14 _b_13\"/>oll av regelefterlevnadsrisk<span class=\"__14 _1058\"/>er \ufb01nns i avsnitt<span class=\"__14 _1058\"/>et Operatio-<span class=\"__14 _1ce\"> </span>nal and Compliance Risk i Nordeas kapital<span class=\"__14 _b_13\"/>- och riskhante-<span class=\"__14 _1ce\"> </span>ringsrapport f\u00f6r 2022 (<span class=\"__14 _b_13\"/>Capital and Risk Management Report<span class=\"__14 _1ce\"> </span>2021) som publiceras i enlighet med kapit<span class=\"__14 _1058\"/>alt\u00e4ckningsf<span class=\"__14 _b_13\"/>\u00f6rord-<span class=\"__14 _1ce\"> </span>ningen (CRR).<span class=\"__14 _1ce\"> </span>6.<span class=\"__14 _b_13\"/>1 Bek\u00e4mpning a<span class=\"__14 _b_13\"/>v ekobrott<span class=\"__14 _1ce\"> </span>Nordea tar sitt ansvar gen<span class=\"__14 _b_13\"/>temot samh\u00e4lle och kunder p\u00e5 stort<span class=\"__14 _1ce\"> </span>allvar och har under \u00e5r<span class=\"__14 _b_13\"/>en byggt upp ett starkt f<span class=\"__14 _b_13\"/>\u00f6rsvar som ska<span class=\"__14 _1ce\"> </span>f\u00f6rhindr<span class=\"__14 _b_13\"/>a att bankens produkter<span class=\"__14 _1c_10\"/>, tj\u00e4nster och system utnyttjas<span class=\"__14 _1ce\"> </span>f\u00f6r olagliga syften.<span class=\"__14 _1ce\"> </span>Nordea hant<span class=\"__14 _b_13\"/>erar och \u00f6vervakar \u00e5rligen flera miljarder<span class=\"__14 _1ce\"> </span>transak<span class=\"__14 _1058\"/>tioner fr\u00e5n en br<span class=\"__14 _1058\"/>ed kundbas. Nordea f<span class=\"__14 _b_13\"/>or<span class=\"__14 _1072\"/>tsatte under<span class=\"__14 _1ce\"> </span>2022 att f<span class=\"__14 _b_13\"/>\u00f6rb\u00e4ttra sin f\u00f6rm\u00e5ga att bek<span class=\"__14 _1058\"/>\u00e4mpa ekobrott inom<span class=\"__14 _1ce\"> </span>omr\u00e5den s\u00e5som kundk<span class=\"__14 _1058\"/>\u00e4nnedom, transak<span class=\"__14 _1058\"/>tions\u00f6vervakning<span class=\"__14 _1ce\"> </span>och ekonomiska sank<span class=\"__14 _1058\"/>tioner<span class=\"__14 _b_13\"/>. Nordeas n\u00e4ra samarbete med<span class=\"__14 _1ce\"> </span>myndigheterna f<span class=\"__14 _b_13\"/>or<span class=\"__14 _1072\"/>tsatte under 2022, med f<span class=\"__14 _b_13\"/>or<span class=\"__14 _1072\"/>tl\u00f6pande kon-<span class=\"__14 _1ce\"> </span>takt<span class=\"__14 _1058\"/>er i alla de fyra nordiska l\u00e4nderna om olika aspek<span class=\"__14 _b_13\"/>ter av<span class=\"__14 _1ce\"> </span>Nordeas f<span class=\"__14 _1058\"/>\u00f6rebyggande arbet<span class=\"__14 _b_13\"/>e p\u00e5 omr\u00e5det<span class=\"__14 _1072\"/>.<span class=\"__14 _1ce\"> </span>Efter Rysslands in<span class=\"__14 _b_13\"/>vasion av Ukraina har ett an<span class=\"__14 _b_13\"/>tal l\u00e4nder<span class=\"__14 _1ce\"> </span>och interna<span class=\"__14 _b_13\"/>tionella organ inf\u00f6rt sanktioner<span class=\"__14 _1c_10\"/>. Nordea f\u00f6ljer de<span class=\"__14 _1ce\"> </span>sanktioner som in<span class=\"__14 _b_13\"/>f\u00f6rts av EU<span class=\"__14 _1058\"/>, USA, FN och Storbritannien.<span class=\"__14 _1ce\"> </span>Sanktionerna innef<span class=\"__14 _b_13\"/>attar f\u00f6r n\u00e4rvarande f<span class=\"__14 _b_13\"/>r<span class=\"__14 _1072\"/>ysta tillg\u00e5ngar<span class=\"__14 _b_13\"/>, res-<span class=\"__14 _1ce\"> </span>triktioner g\u00e4llande ekonomisk<span class=\"__14 _1058\"/>a f\u00f6rbindelser med vissa r<span class=\"__14 _b_13\"/>egio<span class=\"__14 _1072\"/>-<span class=\"__14 _1ce\"> </span>ner i Ukraina, res<span class=\"__14 _b_13\"/>triktioner f\u00f6r energi- och \ufb01nanssek<span class=\"__14 _b_13\"/>torerna,<span class=\"__14 _1ce\"> </span>import- och exportrestrik<span class=\"__14 _b_13\"/>tioner samt flygf<span class=\"__14 _b_13\"/>\u00f6rbudszoner<span class=\"__14 _1058\"/>. Som<span class=\"__14 _1ce\"> </span>en f\u00f6ljd a<span class=\"__14 _b_13\"/>v g\u00e4llande sanktionsordning och de alltmer om<span class=\"__14 _b_13\"/>fat-<span class=\"__14 _1ce\"> </span>tande och komple<span class=\"__14 _b_13\"/>xa sanktionerna har Nordea beslutat a<span class=\"__14 _b_13\"/>tt<span class=\"__14 _1ce\"> </span>inte bedriv<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">a n\u00e5gon aff\u00e4rsverksamhet relat</span><span class=\"__14 _1058\"/>erad till regionerna<span class=\"__14 _1ce\"> </span>Donetsk, Luhansk, Zaporizjzja och Cherson i Ukraina. En lik-<span class=\"__14 _1ce\"> </span>nande policy fanns redan i f<span class=\"__14 _b_13\"/>r\u00e5ga om Krim och Sevastopol.<span class=\"__14 _1ce\"> </span>Som en f\u00f6ljd a<span class=\"__14 _b_13\"/>v de g\u00e4llande sanktionerna och restrik<span class=\"__14 _b_13\"/>tionerna,<span class=\"__14 _1ce\"> </span>har Nordea ocks\u00e5 stoppa<span class=\"__14 _b_13\"/>t den automatiska hanteringen a<span class=\"__14 _b_13\"/>v<span class=\"__14 _1ce\"> </span>betalningar till och fr\u00e5n R<span class=\"__14 _b_13\"/>yssland och Belarus.<span class=\"__14 _1ce\"> </span>I juni 2015 genomf<span class=\"__14 _b_13\"/>\u00f6rde danska \ufb01nansinspektionen en<span class=\"__14 _1ce\"> </span>utredning a<span class=\"__14 _b_13\"/>v hur Nordea Bank Danmark A/S f\u00f6ljt r<span class=\"__14 _1058\"/>eglerna f\u00f6r<span class=\"__14 _1ce\"> </span>bek\u00e4mpning av penningtv<span class=\"__14 _b_13\"/>\u00e4tt<span class=\"__14 _1072\"/>. Slutrapporten resul<span class=\"__14 _1058\"/>terade i kri-<span class=\"__14 _1ce\"> </span>tik och i enlighet med dansk administra<span class=\"__14 _b_13\"/>tiv praxis \u00f6verl\u00e4mna-<span class=\"__14 _1ce\"> </span>des \u00e4rendet till polisen f<span class=\"__14 _b_13\"/>\u00f6r ytterligare utredning och even<span class=\"__14 _b_13\"/>tu-<span class=\"__14 _1ce\"> </span>ella sanktioner<span class=\"__14 _1c_10\"/>. Som tidigare meddelats r\u00e4knar Nordea med<span class=\"__14 _1ce\"> </span>b\u00f6ter i Danmark f<span class=\"__14 _b_13\"/>\u00f6r tidigare svaga processer och rutiner f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1ce\"> </span>bek\u00e4mpning av penningtv<span class=\"__14 _b_13\"/>\u00e4tt<span class=\"__14 _1072\"/>, och en avs\u00e4<span class=\"__14 _b_13\"/>ttning har gjor<span class=\"__14 _1072\"/>ts f\u00f6r<span class=\"__14 _1ce\"> </span>p\u00e5g\u00e5ende penningtv\u00e4tts\u00e4r<span class=\"__14 _1058\"/>enden.<span class=\"__14 _1ce\"> </span>Det \ufb01nns en risk att even<span class=\"__14 _b_13\"/>tuella myndighetsb\u00f6ter kan bli<span class=\"__14 _1ce\"> </span>h\u00f6gre (eller l\u00e4gr<span class=\"__14 _1058\"/>e) \u00e4n den ak<span class=\"__14 _1058\"/>tuella avs\u00e4<span class=\"__14 _b_13\"/>ttningen och detta<span class=\"__14 _1ce\"> </span>kan ocks\u00e5 p\u00e5v<span class=\"__14 _b_13\"/>erka Nordeas \ufb01nansiella resultat. Vissa av<span class=\"__14 _1ce\"> </span>dessa utredningar skulle ocks\u00e5 k<span class=\"__14 _b_13\"/>unna leda till st\u00e4mningar<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>Givet denna os\u00e4kerhet h\u00e5ller Nordea f<span class=\"__14 _b_13\"/>ast vid en tillr\u00e4cklig<span class=\"__14 _1ce\"> </span>avs\u00e4<span class=\"__14 _b_13\"/>ttningsniv\u00e5 f\u00f6r p\u00e5g\u00e5ende penningtv\u00e4<span class=\"__14 _1058\"/>ttsrelater<span class=\"__14 _b_13\"/>ade<span class=\"__14 _1ce\"> </span>\u00e4renden samtidigt som Nordea f<span class=\"__14 _b_13\"/>or<span class=\"__14 _1072\"/>ts\u00e4tter sin dialog med<span class=\"__14 _1ce\"> </span>danska myndigheter kring tidigare sv<span class=\"__14 _b_13\"/>agheter i arbetet<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">mot penningtv\u00e4</span><span class=\"__14 _b_13\"/>tt<span class=\"__14 _1072\"/>.<span class=\"__14 _1ce\"> </span>Nordea har gjort betydande inves<span class=\"__14 _b_13\"/>teringar f\u00f6r att \u00e5t<span class=\"__14 _b_13\"/>g\u00e4rda<span class=\"__14 _1ce\"> </span>de brister som f<span class=\"__14 _1058\"/>ramkommit vid utr<span class=\"__14 _1058\"/>edningarna.<span class=\"__14 _1ce\"> </span><div class=\"t_14 m0_14 h1_14 ff1_14 fs0_14 fc0_14 sc0_14 ls0_14 ws0_14\" style=\"left:656.0268px; bottom:2.1012287px;\">229<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h2_14 ff2_14 fs1_13 fc0_14 sc0_14 ls0_14 ws1_14\" style=\"left:497.5244px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h3_13 ff2_14 fs1_13 fc0_14 sc0_14 ls1_14 ws2_13\" style=\"left:4.2144775px; bottom:1029.1447px;\">Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span></div><div class=\"t_14 m0_14 ha_13 ff3_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:986.27924px;\">K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h7_13 ff1_14 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:951.1639px;\">7<span class=\"__14 _b_13\"/>. Livf\u00f6rs\u00e4kringsrisk och marknadsrisk </div><div class=\"t_14 m0_14 h7_13 ff1_14 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:937.6387px;\">inom Life &amp; P<span class=\"__14 _b_13\"/>ension<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:924.1057px;\">Nordea Lif<span class=\"__14 _1058\"/>e &amp; Pension har ett brett utbud a<span class=\"__14 _b_13\"/>v liv- och sjukf\u00f6r-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:910.5805px;\">s\u00e4kringsprodukt<span class=\"__14 _b_13\"/>er, f<span class=\"__14 _b_13\"/>r\u00e5n kapitalf\u00f6rs\u00e4kringar med en l\u00f6ptid p\u00e5 </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:897.0553px;\">n\u00e5gra f<span class=\"__14 _1058\"/>\u00e5 \u00e5r till mycket l\u00e5ngf<span class=\"__14 _b_13\"/>ristiga pensionssparavt<span class=\"__14 _1058\"/>al d\u00e4r l\u00f6p-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:883.5301px;\">tiden kan vara l\u00e4ngr<span class=\"__14 _b_13\"/>e \u00e4n 40 \u00e5r. Marknadsr<span class=\"__14 _b_13\"/>\u00e4ntebaserade pro-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:870.0049px;\">dukter (f<span class=\"__14 _b_13\"/>ondf\u00f6rs\u00e4kringar) \u00e4r absolut vanligas<span class=\"__14 _b_13\"/>t i verksamhe-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:856.4797px;\">ten. <span class=\"__14 _b_13\"/>T<span class=\"__14 _b_13\"/>raditionella produk<span class=\"__14 _b_13\"/>ter (sparandef\u00f6rs\u00e4kringar och livf\u00f6r-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:842.95447px;\">s\u00e4kringar) och sjukf\u00f6rs\u00e4kringar utg\u00f6r endas<span class=\"__14 _1058\"/>t en mindre del.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:12.908623px; bottom:829.42926px;\">Life &amp; P<span class=\"__14 _b_13\"/>ensions huvudsakliga risker \u00e4r marknadsrisk och </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:815.9041px;\">liv- och sjukf\u00f6rs\u00e4kringsrisk.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:12.908623px; bottom:802.3789px;\">I Life &amp; P<span class=\"__14 _b_13\"/>ension h\u00e4rr\u00f6r marknadsrisken huvudsakligen fr\u00e5n </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:788.8537px;\">k\u00e4nsligheten f<span class=\"__14 _1058\"/>\u00f6r v\u00e4rdef<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar i tillg\u00e5ngar och skulder till </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:775.3285px;\">f\u00f6ljd a<span class=\"__14 _b_13\"/>v f\u00f6r\u00e4ndringar i niv<span class=\"__14 _1058\"/>\u00e5n p\u00e5 eller sv\u00e4ngningarna i mark<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:761.8033px;\">nadskurser eller r\u00e4n<span class=\"__14 _b_13\"/>tor<span class=\"__14 _b_13\"/>. Bland marknadsriskerna \u00e4r r\u00e4nte-, </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:748.2781px;\">aktie- och kreditspr<span class=\"__14 _b_13\"/>eadrisken de mest relevan<span class=\"__14 _b_13\"/>ta. Life &amp; Pen-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:734.75287px;\">sion betrak<span class=\"__14 _1058\"/>tar ocks\u00e5 h\u00e5llbarhetsrisk som en fr<span class=\"__14 _1058\"/>amv\u00e4xande risk </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:721.22766px;\">som fram<span class=\"__14 _b_13\"/>f\u00f6r allt kommer att p\u00e5<span class=\"__14 _b_13\"/>verka marknadsrisken, det vill </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:707.7025px;\">s\u00e4ga genom f\u00f6r<span class=\"__14 _b_13\"/>\u00e4ndringar i innehavens marknadsv\u00e4rde.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:12.908623px; bottom:694.1773px;\">Marknadsrisk m\u00e4ts och kon<span class=\"__14 _b_13\"/>trolleras genom att ber\u00e4kna </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:680.6521px;\">exponeringen och f<span class=\"__14 _b_13\"/>astst\u00e4lla l\u00e4mpliga limiter<span class=\"__14 _b_13\"/>. Dessutom </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:667.1269px;\">genomf<span class=\"__14 _b_13\"/>\u00f6r Life &amp; Pension regelbundna s<span class=\"__14 _b_13\"/>tresstester och mak<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:653.6017px;\">roekonomiska sc<span class=\"__14 _1058\"/>enarioanalyser f<span class=\"__14 _b_13\"/>\u00f6r att bed\u00f6ma det framtida </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:640.0765px;\">kapitaliseringsbehov<span class=\"__14 _1058\"/>et. Resultaten f<span class=\"__14 _b_13\"/>r\u00e5n stresste<span class=\"__14 _1058\"/>sterna och </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:626.5513px;\">scenarioanalyserna k<span class=\"__14 _b_13\"/>ontrolleras mot de limit<span class=\"__14 _b_13\"/>er som angetts i </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:613.02606px;\">de interna rik<span class=\"__14 _b_13\"/>tlinjerna. </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:12.908623px; bottom:599.5009px;\">Marknadsrisken begr\u00e4nsas med hj\u00e4lp a<span class=\"__14 _b_13\"/>v strategier f<span class=\"__14 _b_13\"/>\u00f6r risk-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:585.9757px;\">s\u00e4kring och tillg\u00e5ngsf\u00f6r<span class=\"__14 _1058\"/>delning.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:12.908623px; bottom:572.4505px;\">Liv- och sjukf\u00f6rs\u00e4kringsrisk \u00e4r risken f<span class=\"__14 _b_13\"/>\u00f6r ov\u00e4ntade f<span class=\"__14 _b_13\"/>\u00f6rluster </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:558.9253px;\">till f\u00f6ljd a<span class=\"__14 _b_13\"/>v f\u00f6r\u00e4ndringar i niv<span class=\"__14 _1058\"/>\u00e5n, trenden eller sv\u00e4ngningarna </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:545.4001px;\">f\u00f6r mortalitet, f\u00f6rv\u00e4n<span class=\"__14 _b_13\"/>tad livsl\u00e4ngd, invaliditet samt \u00e5<span class=\"__14 _b_13\"/>terk\u00f6ps-/<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:531.8749px;\">annullationstal. Riskerna m\u00e4<span class=\"__14 _b_13\"/>ts och kontrolleras genom a<span class=\"__14 _1058\"/>tt </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:518.3497px;\">ber\u00e4kna kapitalkr<span class=\"__14 _1058\"/>av<span class=\"__14 _b_13\"/>en enligt Solvens II. F\u00f6r a<span class=\"__14 _1058\"/>tt bed\u00f6ma verk<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:504.82446px;\">samhetens f\u00f6rm\u00e5ga a<span class=\"__14 _b_13\"/>tt st\u00e5 emot pl\u00f6tsliga f<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar i </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:491.29932px;\">annullationstalen genom<span class=\"__14 _b_13\"/>f\u00f6rs regelbundna k\u00e4nslighetstes<span class=\"__14 _b_13\"/>ter </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:477.77408px;\">f\u00f6r Lif<span class=\"__14 _b_13\"/>e &amp; Pension-koncernen och f<span class=\"__14 _b_13\"/>\u00f6r bolagen i respektive </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:464.2489px;\">land. Liv- och sjukf\u00f6rs\u00e4kringsrisken begr<span class=\"__14 _b_13\"/>\u00e4nsas huvudsakligen </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:450.7237px;\">med hj\u00e4lp av ak<span class=\"__14 _b_13\"/>tuariemetoder<span class=\"__14 _b_13\"/>, det vill s\u00e4ga genom priss\u00e4tt-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:437.1985px;\">ning, kundurvalsregler<span class=\"__14 _1c_10\"/>, \u00e5terf\u00f6rs\u00e4kring, stress<span class=\"__14 _1058\"/>tester sam<span class=\"__14 _b_13\"/>t till-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:423.67328px;\">r\u00e4ckliga riskreserveringar<span class=\"__14 _1c_10\"/>.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:951.797px;\">genomsnitt \u00f6ver tid och f<span class=\"__14 _b_13\"/>\u00f6r viktat nominellt belopp<span class=\"__14 _b_13\"/>) och </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:938.2718px;\">h\u00f6jde Nordeas r\u00e4n<span class=\"__14 _b_13\"/>tekostnad med 12 mn euro. Den nega<span class=\"__14 _b_13\"/>tiva </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:924.7466px;\">r\u00e4n<span class=\"__14 _1058\"/>tan under de f\u00f6rst<span class=\"__14 _1058\"/>a tre kvartalen var -0,48 proc<span class=\"__14 _b_13\"/>ent<span class=\"__14 _1072\"/>, vilket </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:911.2214px;\">h\u00f6jde Nordeas r\u00e4n<span class=\"__14 _b_13\"/>teint\u00e4kt<span class=\"__14 _b_13\"/>er med 4<span class=\"__14 _1072\"/>3 mn euro, e<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">xklusive eff</span><span class=\"__14 _b_13\"/>ek-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:897.69617px;\">ten a<span class=\"__14 _1058\"/>v att gr\u00e4nsv<span class=\"__14 _b_13\"/>\u00e4rdet f\u00f6r utl\u00e5ning uppn\u00e5ddes vid utg\u00e5ngen </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:884.17096px;\">av 2021. 61 mn eur<span class=\"__14 _b_13\"/>o frigjordes n\u00e4r Nordea med tillr\u00e4cklig </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:870.6458px;\">s\u00e4kerhet kunde f<span class=\"__14 _b_13\"/>astst\u00e4lla att gr\u00e4nsv<span class=\"__14 _b_13\"/>\u00e4rdet f\u00f6r utl\u00e5ning 2021 </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:857.1206px;\">hade uppn\u00e5tts. Nordea jus<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">terade d\u00e4rmed den eff</span><span class=\"__14 _b_13\"/>ektiva r\u00e4n<span class=\"__14 _b_13\"/>tan </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:843.5954px;\">och till\u00e4mpade retroak<span class=\"__14 _b_13\"/>tivt den ytterligare rabatten p\u00e5 0,5 pr<span class=\"__14 _1058\"/>o-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:830.0702px;\">cent p\u00e5 den r<span class=\"__14 _b_13\"/>\u00e4nta som betalats sedan 2<span class=\"__14 _b_13\"/>4 juni 2021. F\u00f6r hel\u00e5ret </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:816.545px;\">2022 var r\u00e4n<span class=\"__14 _b_13\"/>tekostnaden negativ och h\u00f6jde Nordeas r<span class=\"__14 _b_13\"/>\u00e4nte-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:803.0198px;\">netto med 92 mn euro.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h8_13 ff2_14 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:762.24414px;\">8.<span class=\"__14 _b_13\"/>1 De\ufb01nition och identi\ufb01ering a<span class=\"__14 _b_13\"/>v likviditetsrisk<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:748.715px;\">Likviditetsrisk \u00e4r risken att Nor<span class=\"__14 _b_13\"/>dea inte kan fullg\u00f6ra sina kas-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:735.1898px;\">safl\u00f6des\u00e5taganden vid f<span class=\"__14 _b_13\"/>\u00f6rfall, eller inte kan fullg\u00f6r<span class=\"__14 _b_13\"/>a dem utan </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:721.6646px;\">att betala ett oh\u00e5llbart h\u00f6gt pris eller ytterligare \ufb01nansie-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:708.1394px;\">ringskostnader<span class=\"__14 _1c_10\"/>. Nordea \u00e4r exponerad f<span class=\"__14 _b_13\"/>\u00f6r likviditetsrisk inom </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:694.6142px;\">utl\u00e5ning, placeringar<span class=\"__14 _b_13\"/>, uppl\u00e5ning, \u00e5taganden utan<span class=\"__14 _1058\"/>f\u00f6r balans-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:681.089px;\">r\u00e4kningen och annan verksamhet som ger undersko<span class=\"__14 _b_13\"/>tt i kas-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:667.56384px;\">safl\u00f6det. Underskott i kassafl\u00f6det kan uppst<span class=\"__14 _1058\"/>\u00e5 vid dagens slut </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:654.03864px;\">eller under dagen.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h8_13 ff2_14 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:626.9531px;\">8.2 Ledningsprinciper och kontroll<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:613.424px;\">Likviditetsrisk i Nordea han<span class=\"__14 _b_13\"/>teras utifr\u00e5n tre f<span class=\"__14 _b_13\"/>\u00f6rsvarslinjer: </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:599.8988px;\">\u2022 <span class=\"__14 _1f_10\"> </span>F\u00f6rst<span class=\"__14 _1058\"/>a f\u00f6rsvarslinjen utg\u00f6rs a<span class=\"__14 _b_13\"/>v Group T<span class=\"__14 _9f_6\"/>reasur<span class=\"__14 _1072\"/><span class=\"__14 _1ce\">y och aff\u00e4r-<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:586.3736px;\">somr\u00e5dena. Group <span class=\"__14 _b_13\"/>T<span class=\"__14 _1c_10\"/>reasury ansvarar f\u00f6r den dagliga han-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:572.8484px;\">teringen a<span class=\"__14 _1058\"/>v koncernens likviditetspositioner<span class=\"__14 _1c_10\"/>, likviditets-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:559.32324px;\"><span class=\"__14 _1ce\">buffertar</span><span class=\"__14 _b_13\"/>, ext<span class=\"__14 _b_13\"/>ern och intern \ufb01nansiering, med bland annat </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:545.79803px;\">f\u00f6rflyttning a<span class=\"__14 _b_13\"/>v kontan<span class=\"__14 _b_13\"/>ta medel inom koncernen, samt </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:532.2728px;\">internpriss\u00e4<span class=\"__14 _b_13\"/>ttning.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:518.7476px;\">\u2022 <span class=\"__14 _1f_10\"> </span>Den andra f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>svarslinjen, Group Risk, ansvarar f<span class=\"__14 _b_13\"/>\u00f6r en </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:505.2224px;\">oberoende kon<span class=\"__14 _b_13\"/>troll och pr\u00f6vning av den f<span class=\"__14 _b_13\"/>\u00f6rsta </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:491.6972px;\">f\u00f6rsvarslinjen.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:478.17203px;\">\u2022 <span class=\"__14 _1f_10\"> </span>Den tredje f<span class=\"__14 _1058\"/>\u00f6rsvarslinjen utg\u00f6rs av Group In<span class=\"__14 _b_13\"/>ternal Audit, </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:464.64682px;\">som har ett oberoende kon<span class=\"__14 _b_13\"/>trollansvar f\u00f6r f<span class=\"__14 _b_13\"/>\u00f6rsta och andra </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:451.1216px;\">f\u00f6rsvarslinjen.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:424.06018px;\">Styrelsen de\ufb01nierar risk<span class=\"__14 _b_13\"/>toleransen p\u00e5 likviditetsomr<span class=\"__14 _1058\"/>\u00e5det </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:410.53497px;\">genom att f<span class=\"__14 _1058\"/>astst\u00e4lla gr<span class=\"__14 _b_13\"/>\u00e4nsv\u00e4rden f\u00f6r olika likvidit<span class=\"__14 _1058\"/>etsm\u00e5tt. Det </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:397.00977px;\">viktigas<span class=\"__14 _1058\"/>te m\u00e5ttet \u00e4r likvidit<span class=\"__14 _1058\"/>etshorisont<span class=\"__14 _1058\"/>en under stress, som </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:383.48456px;\">anger risktoler<span class=\"__14 _b_13\"/>ansen genom att fasts<span class=\"__14 _b_13\"/>t\u00e4lla en \u00f6verlevnadspe-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:369.95938px;\">riod p\u00e5 minst 90 dagar under Nordeaspeci\ufb01ka och marknads-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:356.43417px;\">omf<span class=\"__14 _b_13\"/>attande stresscenarier<span class=\"__14 _1c_10\"/>, och med de\ufb01nierade riskbegr\u00e4n-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:342.90897px;\">sande \u00e5tg\u00e4rder<span class=\"__14 _1c_10\"/>.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:329.38376px;\">Nordea har ram<span class=\"__14 _1058\"/>verk med limiter och kon<span class=\"__14 _b_13\"/>trollm\u00e5tt f\u00f6r a<span class=\"__14 _b_13\"/>tt </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:315.85858px;\">s\u00e4kerst\u00e4lla att bank<span class=\"__14 _b_13\"/>en h\u00e5ller sig inom olika riskparametrar<span class=\"__14 _b_13\"/>, </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:302.33337px;\">bland annat risk<span class=\"__14 _1058\"/>toleransen.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:288.80817px;\">Det \ufb01nns ocks\u00e5 ett system f<span class=\"__14 _b_13\"/>\u00f6r internpriss\u00e4ttning som tar </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:275.28296px;\">h\u00e4nsyn till att likviditet \u00e4r en knapp och dyrbar re<span class=\"__14 _1058\"/>surs. Likvidi-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:261.75778px;\">teten och \ufb01nansieringskos<span class=\"__14 _b_13\"/>tnaderna (och f\u00f6rdelarna) kvan<span class=\"__14 _b_13\"/>ti\ufb01-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:248.23257px;\">eras och alloker<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">as till respektive aff</span><span class=\"__14 _b_13\"/>\u00e4rsomr\u00e5de p\u00e5 ett s\u00e4tt som </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:234.70737px;\">fr\u00e4mjar k<span class=\"__14 _1058\"/>orrekt ager<span class=\"__14 _b_13\"/>ande och korrekta s<span class=\"__14 _1058\"/>trat<span class=\"__14 _1058\"/>egiska beslut.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h8_13 ff2_14 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:207.55089px;\">8.3 Strategi f<span class=\"__14 _b_13\"/>\u00f6r hantering a<span class=\"__14 _b_13\"/>v likviditetsrisk<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:194.02191px;\">Nordeas str<span class=\"__14 _1058\"/>ategi f<span class=\"__14 _b_13\"/>\u00f6r likviditetsriskhantering by<span class=\"__14 _1058\"/>gger p\u00e5 risk-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:180.49672px;\">principer som i sin tur result<span class=\"__14 _1058\"/>erar i olika \u00e5t<span class=\"__14 _b_13\"/>g\u00e4rder<span class=\"__14 _1058\"/>, limiter och </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:166.97151px;\">rutiner f\u00f6r likviditetsrisk.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:153.44632px;\">Hanteringen a<span class=\"__14 _b_13\"/>v likviditetsrisk ska s\u00e4kerst\u00e4lla att Nor<span class=\"__14 _b_13\"/>dea </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:139.92111px;\">alltid kan fullg\u00f6r<span class=\"__14 _b_13\"/>a sina kassafl\u00f6des\u00e5taganden, \u00e4v<span class=\"__14 _b_13\"/>en p\u00e5 intra-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:126.39592px;\">dagsbasis, i alla konjunkturl\u00e4gen och under perioder a<span class=\"__14 _b_13\"/>v </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:112.87071px;\">stress. Nor<span class=\"__14 _1058\"/>dea str\u00e4<span class=\"__14 _b_13\"/>var efter diversi\ufb01erad \ufb01nansiering och f<span class=\"__14 _b_13\"/>\u00f6r-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:99.34552px;\">s\u00f6ker by<span class=\"__14 _1058\"/>gga upp och underh\u00e5lla relationer med in<span class=\"__14 _1058\"/>vest<span class=\"__14 _1058\"/>erare </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:320.61172px; bottom:85.82032px;\">f\u00f6r a<span class=\"__14 _b_13\"/>tt s\u00e4kerst\u00e4lla tillg\u00e5ng till marknaden. Nordeas breda och<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h7_13 ff1_14 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:396.19702px;\">8. Likviditetsrisk<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:382.6679px;\">Nordea f<span class=\"__14 _1058\"/>ortsatte under 2022 att dra n<span class=\"__14 _b_13\"/>ytta av sin v\u00e4l a<span class=\"__14 _b_13\"/>vv\u00e4gda </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:369.1427px;\">hantering a<span class=\"__14 _b_13\"/>v likviditetsrisk, med en fortsatt diversi\ufb01erad och </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:355.61752px;\">stark \ufb01nansieringsbas och en diversi\ufb01erad likvidit<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">etsbuffert</span><span class=\"__14 _1072\"/>. </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:342.09232px;\">Nordea hade en stark likvidit<span class=\"__14 _1058\"/>etsposition under hela \u00e5ret.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:12.908623px; bottom:328.5671px;\">Under 2022 emitterade Nordea cirk<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">a 32,8 md euro i l\u00e5ng-<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:315.0419px;\">fristig sk<span class=\"__14 _1058\"/>uld, exklusiv<span class=\"__14 _b_13\"/>e danska s\u00e4kerst\u00e4llda obligationer<span class=\"__14 _b_13\"/>, vara<span class=\"__14 _b_13\"/>v </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:301.51672px;\"><span class=\"__14 _1ce\">cirka 16,6 md euro i f</span><span class=\"__14 _b_13\"/>orm av s\u00e4kerst\u00e4llda obligationer och </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:287.99152px;\"><span class=\"__14 _1ce\">16,2 md euro i form a</span><span class=\"__14 _b_13\"/>v seniora obligationer<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:12.908623px; bottom:274.4663px;\">Nordea uppfyllde under hela 2022 kra<span class=\"__14 _b_13\"/>ven g\u00e4llande likvidi-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:260.9411px;\">tetst\u00e4ckningsgr<span class=\"__14 _b_13\"/>ad (LCR) i alla valutor tillsammans och den </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:247.4159px;\">stabila netto\ufb01nansieringskv<span class=\"__14 _b_13\"/>oten (NSFR). </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:12.908623px; bottom:233.89072px;\">Under 2021 tog Nordea del a<span class=\"__14 _b_13\"/>v olika centralbanksf<span class=\"__14 _b_13\"/>aciliteter </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:220.36551px;\">p\u00e5 nationell niv\u00e5, bland anna<span class=\"__14 _b_13\"/>t ECB:s riktade l\u00e5ngf<span class=\"__14 _b_13\"/>ristiga re\ufb01-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:206.8403px;\">nansieringsprogram (TL<span class=\"__14 _9f_6\"/>TRO-programmen). Vid utg\u00e5ngen a<span class=\"__14 _b_13\"/>v </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:193.31511px;\">2022 hade Nordea 10 md euro utes<span class=\"__14 _b_13\"/>t\u00e5ende inom TL<span class=\"__14 _9f_6\"/>TRO III-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:179.7899px;\">programmet, efter en \u00e5terbet<span class=\"__14 _1058\"/>alning av 2 md eur<span class=\"__14 _b_13\"/>o under \u00e5ret<span class=\"__14 _1072\"/>.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:12.908623px; bottom:166.26471px;\">Nordea redovisar <span class=\"__14 _b_13\"/>TL<span class=\"__14 _9f_6\"/>TRO<span class=\"__14 _1072\"/>-uppl\u00e5ningen som en \ufb01nansiell </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:152.7395px;\">skuld med r\u00f6rlig r<span class=\"__14 _b_13\"/>\u00e4nta enligt IFRS 9. ECB:s vik<span class=\"__14 _b_13\"/>tade genom-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:139.21431px;\">snittliga r\u00e4n<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ta blev positiv under fj\u00e4rde kv</span><span class=\"__14 _1058\"/>artalet och Nordea </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:125.6891px;\">redovisade d\u00e4rmed en r<span class=\"__14 _1058\"/>\u00e4ntek<span class=\"__14 _b_13\"/>ostnad f\u00f6r sina <span class=\"__14 _b_13\"/>TL<span class=\"__14 _1c_10\"/>TRO III-l\u00e5n. </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:112.16391px;\">Under de tre f<span class=\"__14 _1058\"/>\u00f6rsta kvartalen var samma r<span class=\"__14 _b_13\"/>\u00e4nta negativ<span class=\"__14 _b_13\"/>, vilket </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:98.63871px;\">innebar att Nordea d\u00e5 redo<span class=\"__14 _b_13\"/>visade negativ r\u00e4ntek<span class=\"__14 _b_13\"/>ostnad. R\u00e4n-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:85.11351px;\"><span class=\"__14 _1ce\">tesatsen under fj\u00e4r</span><span class=\"__14 _b_13\"/>de kvartalet var 0,4<span class=\"__14 _1072\"/>2 procen<span class=\"__14 _b_13\"/>t (viktat<span class=\"__14 _1ce\"> </span></div>diversi\ufb01erade \ufb01nansieringsbas speglar koncernens s<span class=\"__14 _b_13\"/>tarka<span class=\"__14 _1ce\"> </span> st\u00e4llning p\u00e5 de fyra hemmamarknaderna, med en s<span class=\"__14 _b_13\"/>tark och<span class=\"__14 _1ce\"> </span> stabil kundbas inom r<span class=\"__14 _b_13\"/>etail och en m\u00e4ngd olika \ufb01nansierings-<span class=\"__14 _1ce\"> </span>program. Finansieringspr<span class=\"__14 _1058\"/>ogrammen \u00e4r b\u00e5de kortfristiga<span class=\"__14 _1ce\"> </span> (amerikanska och europeiska f<span class=\"__14 _b_13\"/>\u00f6retagscerti\ufb01kat, och bankcer-<span class=\"__14 _1ce\"> </span>ti\ufb01kat) och l\u00e5ngfris<span class=\"__14 _b_13\"/>tiga (s\u00e4kerst\u00e4llda obligationer<span class=\"__14 _b_13\"/>, Eur<span class=\"__14 _b_13\"/>opean/<span class=\"__14 _1ce\"> </span>Global Medium <span class=\"__14 _b_13\"/>T<span class=\"__14 _1c_10\"/>erm Notes) och omf<span class=\"__14 _b_13\"/>attar flera olika valut<span class=\"__14 _b_13\"/>or.<span class=\"__14 _1ce\"> </span>F\u00f6rtroende \u00e4r grundl\u00e4ggande p\u00e5 uppl\u00e5ningsmarknaden,<span class=\"__14 _1ce\"> </span> och d\u00e4rf\u00f6r publicer<span class=\"__14 _1058\"/>ar Nordea f<span class=\"__14 _1058\"/>ortl\u00f6pande informa<span class=\"__14 _b_13\"/>tion om<span class=\"__14 _1ce\"> </span> koncernens likviditetssitua<span class=\"__14 _b_13\"/>tion. Vidare genomf\u00f6r Nordea<span class=\"__14 _1ce\"> </span> regelbundna stre<span class=\"__14 _1058\"/>sstes<span class=\"__14 _b_13\"/>ter p\u00e5 likviditetspositionen f\u00f6r att iden-<span class=\"__14 _1ce\"> </span>ti\ufb01era relev<span class=\"__14 _b_13\"/>anta riskfak<span class=\"__14 _b_13\"/>torer<span class=\"__14 _b_13\"/>. Det \ufb01nns ocks\u00e5 beredskapspla-<span class=\"__14 _1ce\"> </span>ner f\u00f6r han<span class=\"__14 _b_13\"/>tering av likviditetskriser<span class=\"__14 _1c_10\"/>.<span class=\"__14 _1ce\"> </span>8.4 M\u00e4tning av likvidit<span class=\"__14 _b_13\"/>etsrisk<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Nordea har en likviditetsbuff</span><span class=\"__14 _b_13\"/>er<span class=\"__14 _1072\"/>t f\u00f6r att s\u00e4k<span class=\"__14 _b_13\"/>er<span class=\"__14 _1072\"/>st\u00e4lla \ufb01nansiering<span class=\"__14 _1ce\"> </span> i situationer d\u00e4r koncernen \u00e4r i tvingande beho<span class=\"__14 _b_13\"/>v av kontan<span class=\"__14 _b_13\"/>ta<span class=\"__14 _1ce\"> </span> medel och de normala \ufb01nansieringsk\u00e4llorna inte r<span class=\"__14 _b_13\"/>\u00e4cker till.<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">Likviditetsbufferten ut</span><span class=\"__14 _1058\"/>g\u00f6rs av h\u00f6glikvida v\u00e4r<span class=\"__14 _b_13\"/>depapper av god<span class=\"__14 _1ce\"> </span> kreditkvalitet s<span class=\"__14 _1058\"/>om centr<span class=\"__14 _b_13\"/>albankerna godtar som s\u00e4kerhet lik-<span class=\"__14 _1ce\"> </span>som av till<span class=\"__14 _1058\"/>godohav<span class=\"__14 _b_13\"/>anden hos centralbanker<span class=\"__14 _1c_10\"/>. Dessa tillg\u00e5ngar<span class=\"__14 _1ce\"> </span> kan snabbt s\u00e4ljas eller anv<span class=\"__14 _b_13\"/>\u00e4ndas som s\u00e4kerhet vid \ufb01nansie-<span class=\"__14 _1ce\"> </span>ring.<span class=\"__14 _1ce\"> </span>Riskhanteringen \u00e4r inrik<span class=\"__14 _b_13\"/>tad p\u00e5 b\u00e5de kortsiktig och struk<span class=\"__14 _b_13\"/>tu-<span class=\"__14 _1ce\"> </span>rell l\u00e5ngsiktig likvidit<span class=\"__14 _b_13\"/>etsrisk<span class=\"__14 _1072\"/>. Likviditetsrisken begr\u00e4nsas a<span class=\"__14 _b_13\"/>v<span class=\"__14 _1ce\"> </span> styrelsen med hj\u00e4lp a<span class=\"__14 _b_13\"/>v m\u00e5tt f\u00f6r in<span class=\"__14 _b_13\"/>tern likviditetst\u00e4ckning och<span class=\"__14 _1ce\"> </span> likviditetshorisont under s<span class=\"__14 _b_13\"/>tress som anger att likviditetsbuf<span class=\"__14 _1058\"/>-<span class=\"__14 _1ce\"> </span>ferten ska v<span class=\"__14 _1058\"/>ara tillr\u00e4cklig f<span class=\"__14 _b_13\"/>\u00f6r att t\u00e4cka stor<span class=\"__14 _1058\"/>a ackumulerade<span class=\"__14 _1ce\"> </span> utfl\u00f6den vid \ufb01nansiell stress under de f<span class=\"__14 _b_13\"/>\u00f6rsta nittio dagarna<span class=\"__14 _1ce\"> </span> om Nordea uts\u00e4tts f<span class=\"__14 _b_13\"/>\u00f6r en marknadsomfa<span class=\"__14 _1058\"/>ttande stress lik<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>nande den som m\u00e5nga banker genomgick 2007<span class=\"__14 _b_13\"/>\u20132008; och en<span class=\"__14 _1ce\"> </span> Nordeaspeci\ufb01k stre<span class=\"__14 _1058\"/>ss motsvar<span class=\"__14 _b_13\"/>ande en s\u00e4nkning av kreditbe-<span class=\"__14 _1ce\"> </span>tyget med tre s<span class=\"__14 _1058\"/>teg. Dessa m\u00e5tt bildar underlag f<span class=\"__14 _b_13\"/>\u00f6r Nordeas<span class=\"__14 _1ce\"> </span> tolerans i f<span class=\"__14 _1058\"/>r\u00e5ga om likviditetsrisk, och de granskas och god-<span class=\"__14 _1ce\"> </span>k\u00e4nns av s<span class=\"__14 _b_13\"/>tyrelsen minst en g\u00e5ng om \u00e5ret. Likviditetsrisktole-<span class=\"__14 _1ce\"> </span>ransen bes<span class=\"__14 _1058\"/>t\u00e4ms ocks\u00e5 av kr<span class=\"__14 _b_13\"/>aven g\u00e4llande likviditets<span class=\"__14 _1058\"/>t\u00e4ck-<span class=\"__14 _1ce\"> </span>ningsgrad (L<span class=\"__14 _b_13\"/>CR) och stabil netto\ufb01nansieringskvot (NSFR).<span class=\"__14 _1ce\"> </span>Den kortfristiga \ufb01nansieringsrisken m\u00e4<span class=\"__14 _b_13\"/>ts med hj\u00e4lp av LCR<span class=\"__14 _1ce\"> </span> och \u00e4v<span class=\"__14 _b_13\"/>en genom ett riskm\u00e5tt f\u00f6r \ufb01nansieringsbehovet. Det<span class=\"__14 _1ce\"> </span> h\u00e4r riskm\u00e5ttet visar det maximalt f<span class=\"__14 _b_13\"/>\u00f6rv\u00e4ntade ackumuler<span class=\"__14 _1058\"/>ade<span class=\"__14 _1ce\"> </span> behovet a<span class=\"__14 _b_13\"/>v likvida medel under de n\u00e4rmaste 30 dagarna. Ris-<span class=\"__14 _1ce\"> </span>ken g\u00e4llande \ufb01nansieringsbehovet m\u00e4<span class=\"__14 _b_13\"/>ts och begr\u00e4nsas f\u00f6r<span class=\"__14 _1ce\"> </span> varje enskild val<span class=\"__14 _1058\"/>uta och f\u00f6r alla v<span class=\"__14 _b_13\"/>alutor sammanlagt<span class=\"__14 _1072\"/>.<span class=\"__14 _1ce\"> </span> Den struk<span class=\"__14 _1058\"/>turella likviditetsrisken i Nor<span class=\"__14 _b_13\"/>dea m\u00e4ts med hj\u00e4lp<span class=\"__14 _1ce\"> </span> av m\u00e5nga olika m\u00e5<span class=\"__14 _b_13\"/>tt<span class=\"__14 _1072\"/>, vara<span class=\"__14 _b_13\"/>v NSFR \u00e4r det vanligaste. NSFR<span class=\"__14 _1ce\"> </span> kompetteras med det in<span class=\"__14 _b_13\"/>ternt de\ufb01nierade m\u00e5<span class=\"__14 _b_13\"/>ttet nettobalans-<span class=\"__14 _1ce\"> </span>kvot a<span class=\"__14 _b_13\"/>v stabil uppl\u00e5ning. Dessutom f<span class=\"__14 _1058\"/>\u00f6ljs kvoten f<span class=\"__14 _b_13\"/>\u00f6r utl\u00e5ning/<span class=\"__14 _1ce\"> </span>likviditetsriskpro\ufb01l upp noga, tillsammans med Nor<span class=\"__14 _1058\"/>deas upp-<span class=\"__14 _1ce\"> </span>l\u00e5ningspro\ufb01l och e<span class=\"__14 _b_13\"/>xterna kreditbetyg.<span class=\"__14 _1ce\"> </span> 8.5 Analys a<span class=\"__14 _b_13\"/>v likviditetsrisk<span class=\"__14 _1ce\"> </span>Nordea f<span class=\"__14 _1058\"/>orts\u00e4tter att ha en tydlig och k<span class=\"__14 _b_13\"/>onser<span class=\"__14 _1072\"/>vativ likviditets-<span class=\"__14 _1ce\"> </span>riskpro\ufb01l, med en stark uppl\u00e5ningsbas. Vid utg\u00e5ngen a<span class=\"__14 _b_13\"/>v 2022<span class=\"__14 _1ce\"> </span> uppgick utnyttjad vol<span class=\"__14 _b_13\"/>ym i cer<span class=\"__14 _1072\"/>ti\ufb01katsprogr<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ammen till 50,9 md<span class=\"__14 _1ce\"> </span></span> euro (38,2 md euro), med en genomsnittlig \u00e5ters<span class=\"__14 _1058\"/>t\u00e5ende l\u00f6ptid<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">p\u00e5 0,3 \u00e5r (0,4 \u00e5r). V</span><span class=\"__14 _b_13\"/>olymen i de l\u00e5ngfristiga progr<span class=\"__14 _b_13\"/>ammen upp<span class=\"__14 _1072\"/>-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">gick till 138,3 md euro (144,3 md euro</span><span class=\"__14 _1058\"/>), med en genomsnittlig<span class=\"__14 _1ce\"> </span> \u00e5terst\u00e5ende l\u00f6p<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">tid p\u00e5 6,3 \u00e5r (7</span><span class=\"__14 _b_13\"/>,3 \u00e5r). Nordeas \ufb01nansieringsk\u00e4l-<span class=\"__14 _1ce\"> </span>lor framg\u00e5r a<span class=\"__14 _b_13\"/>v tabellen nedan.<span class=\"__14 _1ce\"> </span>Likviditetsriskpositionen var f<span class=\"__14 _b_13\"/>or<span class=\"__14 _1072\"/>tsatt stark under hela 2022.<span class=\"__14 _1ce\"> </span> Likviditetshorisont<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">en under stress var till 1 095 dagar vid<span class=\"__14 _1ce\"> </span></span> utg\u00e5ngen a<span class=\"__14 _1058\"/>v 2022 (1 095 dagar), med ett \u00e5rsgenomsnitt<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">p\u00e5 1 084 dagar (753 dagar). Koncernens nedr</span><span class=\"__14 _b_13\"/>e gr\u00e4ns \u00e4r<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">90 dagar</span><span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>\u00c5rsgenomsnittet f\u00f6r \ufb01nansieringsbeho<span class=\"__14 _b_13\"/>vet uppgick till<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">+51,8 md euro (+44,9 md euro</span><span class=\"__14 _1058\"/>), att j\u00e4mf<span class=\"__14 _b_13\"/>\u00f6ra med gr\u00e4nsv\u00e4r<span class=\"__14 _1058\"/>det<span class=\"__14 _1ce\"> </span> som \u00e4r \u201315 md euro<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">. Nordeas likviditetsbuffert uppgick under<span class=\"__14 _1ce\"> </span></span> <span class=\"__14 _1ce\">2022 till mellan 111,9 md euro och 141,2 md euro (92,</span><span class=\"__14 _1c_10\"/>1 md euro<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">och 145,2 md euro), med ett genomsnitt p\u00e5 126,9 md eur</span><span class=\"__14 _1058\"/>o<span class=\"__14 _1ce\"> </span> (122,8 md euro).<span class=\"__14 _1ce\"> </span>Den kombinerade L<span class=\"__14 _b_13\"/>CR f\u00f6r Nordeakoncernen uppgick till<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">162 procen</span><span class=\"__14 _b_13\"/>t vid utg\u00e5ngen av 2022 (160 procen<span class=\"__14 _b_13\"/>t), och \u00e5r<span class=\"__14 _1072\"/>sge-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">nomsnittet var 152 procen</span><span class=\"__14 _b_13\"/>t (152 procent). Vid utg\u00e5ngen a<span class=\"__14 _b_13\"/>v<span class=\"__14 _1ce\"> </span> 2022 uppgick LCR i eur<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">o till 149 procen</span><span class=\"__14 _b_13\"/>t (143 procent) och i<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">dollar till 177 procen</span><span class=\"__14 _b_13\"/>t (169 procent). \u00c5rsgenomsnittet v<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">186 procen</span><span class=\"__14 _b_13\"/>t (228 procent) respek<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">tive 202 procent (1</span><span class=\"__14 _1058\"/>7<span class=\"__14 _b_13\"/>4 pro-<span class=\"__14 _1ce\"> </span>cent). Vid ut<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">g\u00e5ngen av 2022 uppgick NSFR till 115,6 pr</span><span class=\"__14 _b_13\"/>ocent<span class=\"__14 _1ce\"> </span> (111,<span class=\"__14 _b_13\"/>1 procen<span class=\"__14 _b_13\"/>t).<span class=\"__14 _1ce\"> </span>Finansieringsk\u00e4llor<span class=\"__14 _b_13\"/>, 31 december 2022<span class=\"__14 _1ce\"> </span>T<span class=\"__14 _b_13\"/>yp av skuld<span class=\"__14 _1125\"> </span>R\u00e4ntebas<span class=\"__14 _1ce\"> </span>Snitt <span class=\"__14 _1069\"/> l\u00f6ptid (\u00e5r)<span class=\"__14 _7d_7\"> </span>Mn euro<span class=\"__14 _1ce\"> </span>Skulder till kreditinstitut<span class=\"__14 _1ce\"> </span>Kortare \u00e4n 3 m\u00e5nader <span class=\"__14 _1118\"> </span>E<span class=\"__14 _b_13\"/>uribor, etc.<span class=\"__14 _2b_8\"> </span><span class=\"ls17_11 ws3d_5\">0<span class=\"__14 _1066\"/>,1<span class=\"__14 _5d_6\"> </span></span>21 854<span class=\"__14 _1ce\"> </span>L\u00e4ngre \u00e4n 3 m\u00e5nader<span class=\"__14 _a1_6\"> </span>Euribor<span class=\"__14 _b_13\"/>, etc.<span class=\"__14 _1086\"> </span>0,9<span class=\"__14 _1123\"> </span>11 015<span class=\"__14 _1ce\"> </span>In- och uppl\u00e5ning fr\u00e5n<span class=\"__14 _1ce\"> </span> allm\u00e4nheten<span class=\"__14 _1ce\"> </span>A<span class=\"__14 _b_13\"/>vistainl\u00e5ning<span class=\"__14 _1081\"> </span>Administr<span class=\"__14 _b_13\"/>ativ<span class=\"__14 _a2_6\"> </span>0,0<span class=\"__14 _7d_7\"> </span>182 855<span class=\"__14 _1ce\"> </span>\u00d6vrig inl\u00e5ning<span class=\"__14 _1081\"> </span>Euribor<span class=\"__14 _b_13\"/>, etc.<span class=\"__14 _bb_7\"> </span>0,2<span class=\"__14 _1a8\"> </span>34 609<span class=\"__14 _1ce\"> </span>Emitterade v\u00e4r<span class=\"__14 _1058\"/>depapper<span class=\"__14 _1ce\"> </span>Bankcerti\ufb01cat<span class=\"__14 _1cc\"> </span>Euribor<span class=\"__14 _1c_10\"/>, etc.<span class=\"__14 _bb_7\"> </span>0,3<span class=\"__14 _1a8\"> </span>36 930<span class=\"__14 _1ce\"> </span>F\u00f6ret<span class=\"__14 _1058\"/>agscerti\ufb01kat<span class=\"__14 _8e_6\"> </span>E<span class=\"__14 _b_13\"/>uribor<span class=\"__14 _1058\"/>, etc.<span class=\"__14 _1086\"> </span>0,4<span class=\"__14 _5d_6\"> </span>13 991 S\u00e4kerst\u00e4llda hypoteksobliga<span class=\"__14 _b_13\"/>tioner<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _b_13\"/>ast r\u00e4nta,<span class=\"__14 _1ce\"> </span> marknads baserad<span class=\"__14 _1129\"> </span><span class=\"ls15_11 ws3b_5\">7,1<span class=\"__14 _1157\"> </span></span><span class=\"ws0_14\">105 354<span class=\"__14 _1ce\"> </span></span>\u00d6vriga obligationsl\u00e5n<span class=\"__14 _4c_6\"> </span>Fast r\u00e4n<span class=\"__14 _b_13\"/>ta,<span class=\"__14 _1ce\"> </span> marknadsbaserad<span class=\"__14 _7c_6\"> </span>3,3<span class=\"__14 _1a9\"> </span>27 526<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring a<span class=\"__14 _b_13\"/>v verkligt v\u00e4rde<span class=\"__14 _1ce\"> </span> f\u00f6r r\u00e4n<span class=\"__14 _b_13\"/>tes\u00e4krade poster<span class=\"__14 _6d_6\"> </span>-3 998<span class=\"__14 _1ce\"> </span>Derivatinstrumen<span class=\"__14 _b_13\"/>t<span class=\"__14 _14c_3\"> </span>40 102<span class=\"__14 _1ce\"> </span>\u00d6vriga icke r\u00e4n<span class=\"__14 _1058\"/>teb\u00e4rande<span class=\"__14 _1ce\"> </span> skulder<span class=\"__14 _1cd\"> </span>60 203<span class=\"__14 _1ce\"> </span>Efterst\u00e4llda skulder<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1067\"/>F\u00f6rlagsl\u00e5n som ing\u00e5r  i supplement\u00e4rt kapital<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _b_13\"/>ast r\u00e4nta,<span class=\"__14 _1ce\"> </span> marknadsbaserad<span class=\"__14 _1113\"> </span><span class=\"ls1b_8 ws41_5\">8,8<span class=\"__14 _3d_8\"> </span></span>3 305<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1067\"/>Eviga f\u00f6rlagsl\u00e5n som ing\u00e5r i<span class=\"__14 _1ce\"> </span> k\u00e4rn- och prim\u00e4rkapital<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _b_13\"/>ast r\u00e4nta,<span class=\"__14 _1ce\"> </span> marknadsbaserad<span class=\"__14 _1089\"> </span>2 600<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring a<span class=\"__14 _b_13\"/>v verkligt v\u00e4rde<span class=\"__14 _1ce\"> </span> f\u00f6r r\u00e4n<span class=\"__14 _b_13\"/>tes\u00e4krade poster<span class=\"__14 _1167\"> </span>-504<span class=\"__14 _1ce\"> </span>Eget kapital<span class=\"__14 _1199\"> </span>31 404<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _cb_6\"> </span>567 246<span class=\"__14 _1ce\"> </span>Skulder till<span class=\"__14 _1ce\"> </span> f\u00f6rs\u00e4kringstagar<span class=\"__14 _1058\"/>e<span class=\"__14 _13d_4\"> </span>27 598<span class=\"__14 _1ce\"> </span>Summa, inklusive<span class=\"__14 _1ce\"> </span> livf\u00f6rs\u00e4kringsr\u00f6relsen<span class=\"__14 _d7_6\"> </span>594 844<span class=\"__14 _1ce\"> </span>Stabil netto\ufb01nansieringskvo<span class=\"__14 _b_13\"/>t (NSFR)<span class=\"__14 _1ce\"> </span>Md euro<span class=\"__14 _1107\"> </span>31 dec 2022<span class=\"__14 _1223\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span>Tillg\u00e4nglig stabil \ufb01nansiering<span class=\"__14 _1210\"> </span>313,5<span class=\"__14 _1111\"> </span>311,8<span class=\"__14 _1ce\"> </span>Behov av s<span class=\"__14 _b_13\"/>tabil \ufb01nansiering<span class=\"__14 _15d_1\"> </span>271,<span class=\"__14 _b_13\"/>1<span class=\"__14 _9b_6\"> </span>280,5<span class=\"__14 _1ce\"> </span>Stabil netto\ufb01nansiering<span class=\"__14 _ab_6\"> </span>42,4<span class=\"__14 _be_7\"> </span>31,<span class=\"__14 _1072\"/>2<span class=\"__14 _1ce\"> </span>Stabil nettofinansieringskvo<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">t 1</span><span class=\"__14 _1219\"> </span>115,6 %<span class=\"__14 _1104\"> </span>111,1 %<span class=\"__14 _1ce\"> </span>1)  I enlighet med CRR II<span class=\"__14 _1ce\"> </span>kontr<span class=\"__14 _b_13\"/>ollera och begr\u00e4nsa de risker som identi\ufb01er<span class=\"__14 _b_13\"/>ats, dels stra-<span class=\"__14 _1ce\"> </span>tegiskt priorit<span class=\"__14 _b_13\"/>era och f\u00f6rdela resurser f<span class=\"__14 _b_13\"/>\u00f6r begr\u00e4nsning och<span class=\"__14 _1ce\"> </span>uppf\u00f6ljning a<span class=\"__14 _b_13\"/>v risker som \u00f6verskrider risk<span class=\"__14 _b_13\"/>toleransen och/<span class=\"__14 _1058\"/>eller<span class=\"__14 _1ce\"> </span>risklimiterna. Utv\u00e4rderingen a<span class=\"__14 _b_13\"/>v risker och kontr<span class=\"__14 _b_13\"/>oller i den<span class=\"__14 _1ce\"> </span>egna verksamheten och resul<span class=\"__14 _b_13\"/>tatet fr\u00e5n proc<span class=\"__14 _b_13\"/>essen utg\u00f6r ocks\u00e5<span class=\"__14 _1ce\"> </span>underlag f\u00f6r riskr<span class=\"__14 _b_13\"/>appor<span class=\"__14 _1072\"/>teringen i Nordea.<span class=\"__14 _1ce\"> </span>Riskhan<span class=\"__14 _1058\"/>tering och godk\u00e4nnande vid f\u00f6r<span class=\"__14 _b_13\"/>\u00e4ndringar<span class=\"__14 _1ce\"> </span>Processen f<span class=\"__14 _b_13\"/>\u00f6r riskhantering och godk\u00e4nnande vid f<span class=\"__14 _b_13\"/>\u00f6r\u00e4nd-<span class=\"__14 _1ce\"> </span>ringar ska s\u00e4kerst\u00e4lla k\u00e4nnedom om de risker s<span class=\"__14 _b_13\"/>om uppst\u00e5r i<span class=\"__14 _1ce\"> </span>samband med en f\u00f6r<span class=\"__14 _b_13\"/>\u00e4ndring, och att riskerna hanteras p\u00e5<span class=\"__14 _1ce\"> </span>l\u00e4mpligt s\u00e4tt i enlighet med Nordeas risk<span class=\"__14 _b_13\"/>tolerans och ramv<span class=\"__14 _1058\"/>erk<span class=\"__14 _1ce\"> </span>innan en f\u00f6r<span class=\"__14 _b_13\"/>\u00e4ndring godk\u00e4nns eller genomf\u00f6rs. Processen f<span class=\"__14 _b_13\"/>\u00f6r riskhantering och godk\u00e4nnande vid f<span class=\"__14 _b_13\"/>\u00f6r\u00e4nd-<span class=\"__14 _1ce\"> </span>ringar ska anv\u00e4ndas f<span class=\"__14 _b_13\"/>\u00f6r alla typer av f<span class=\"__14 _1058\"/>\u00f6r\u00e4ndrings- och utveck<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>lingsinitiativ som r\u00f6r e<span class=\"__14 _b_13\"/>xempelvis ny<span class=\"__14 _b_13\"/>a eller f\u00f6r\u00e4ndrade pr<span class=\"__14 _b_13\"/>oces-<span class=\"__14 _1ce\"> </span>ser<span class=\"__14 _b_13\"/>, organisationsf<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar<span class=\"__14 _b_13\"/>, f\u00f6r\u00e4ndringar i inf<span class=\"__14 _b_13\"/>ormations-<span class=\"__14 _1ce\"> </span>och kommunikations<span class=\"__14 _b_13\"/>teknik<span class=\"__14 _1072\"/>, nya uppdr<span class=\"__14 _b_13\"/>agsavtal och<span class=\"__14 _1ce\"> </span>ex<span class=\"__14 _b_13\"/>ceptionella transak<span class=\"__14 _1058\"/>tioner<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>Inciden<span class=\"__14 _1058\"/>thant<span class=\"__14 _b_13\"/>ering<span class=\"__14 _1ce\"> </span>Ramverket f<span class=\"__14 _b_13\"/>\u00f6r incidenthant<span class=\"__14 _1058\"/>ering ska s\u00e4kerst\u00e4lla a<span class=\"__14 _1058\"/>tt uppt\u00e4ck<span class=\"__14 _b_13\"/>ta<span class=\"__14 _1ce\"> </span>incidenter han<span class=\"__14 _b_13\"/>teras och rapporteras p\u00e5 l\u00e4mpligt s\u00e4tt f<span class=\"__14 _b_13\"/>\u00f6r att<span class=\"__14 _1ce\"> </span>minimera konsekv<span class=\"__14 _b_13\"/>enserna f\u00f6r <span class=\"ws56_3\">Nordea</span> och dess kunder<span class=\"__14 _1c_10\"/>, f\u00f6rhin<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span>dra att de h\u00e4nder igen sam<span class=\"__14 _b_13\"/>t minska konsekvenserna a<span class=\"__14 _b_13\"/>v fram<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span>tida incidenter<span class=\"__14 _1c_10\"/>. Incidenter bed\u00f6ms omedelbart f\u00f6r att f<span class=\"__14 _b_13\"/>astst\u00e4lla<span class=\"__14 _1ce\"> </span>hur allvarliga de \u00e4r<span class=\"__14 _1c_10\"/>. Beroende p\u00e5 vilken typ av inciden<span class=\"__14 _b_13\"/>t det r\u00f6r<span class=\"__14 _1ce\"> </span>sig om och hur allvarlig den \u00e4r<span class=\"__14 _1c_10\"/>, st\u00e4lls olika kra<span class=\"__14 _b_13\"/>v p\u00e5 vilka intres<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span>senter s<span class=\"__14 _b_13\"/>om ska involver<span class=\"__14 _1058\"/>as och even<span class=\"__14 _1058\"/>tuell ext<span class=\"__14 _b_13\"/>ern rapportering,<span class=\"__14 _1ce\"> </span>bland annat incidentr<span class=\"__14 _b_13\"/>appor<span class=\"__14 _1072\"/>tering till ber\u00f6rda m<span class=\"__14 _1058\"/>yndigheter<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>Kon<span class=\"__14 _b_13\"/>tinuitets- och krishan<span class=\"__14 _b_13\"/>tering<span class=\"__14 _1ce\"> </span>Ramverket f<span class=\"__14 _b_13\"/>\u00f6r kontinuitets- och krishan<span class=\"__14 _b_13\"/>tering ska s\u00e4kerst\u00e4lla<span class=\"__14 _1ce\"> </span>Nordea<span class=\"ws0_14\">s kapacitet a<span class=\"__14 _1058\"/>tt hanter<span class=\"__14 _b_13\"/>a extraordin\u00e4r<span class=\"__14 _1058\"/>a h\u00e4ndelser och kri<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span></span>ser samt s\u00e4kr<span class=\"__14 _b_13\"/>a \u00e5terst\u00e4llning och fortsatt lev<span class=\"__14 _b_13\"/>erans av priorite<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span>rade produk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _b_13\"/>, tj\u00e4nster och processer till i f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>v\u00e4g fas<span class=\"__14 _b_13\"/>tst\u00e4llda<span class=\"__14 _1ce\"> </span>godtagbara niv\u00e5er<span class=\"__14 _1c_10\"/>. Extraordin\u00e4ra h\u00e4ndelser och kriser e<span class=\"__14 _1058\"/>skale<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span>ras efter r<span class=\"__14 _1058\"/>elevans och inom rimlig tid, och \u00e5t<span class=\"__14 _b_13\"/>g\u00e4rder vidtas<span class=\"__14 _1ce\"> </span>enligt en i f\u00f6rv\u00e4g f<span class=\"__14 _b_13\"/>astst\u00e4lld struk<span class=\"__14 _b_13\"/>tur. K<span class=\"__14 _b_13\"/>apaciteten kontroller<span class=\"__14 _b_13\"/>as<span class=\"__14 _1ce\"> </span>genom att tes<span class=\"__14 _1058\"/>ta de fas<span class=\"__14 _b_13\"/>tst\u00e4llda planerna och \u00f6va organisa<span class=\"__14 _1058\"/>tio<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span>nen f\u00f6r a<span class=\"__14 _b_13\"/>tt s\u00e4kerst\u00e4lla fullgott skydd f<span class=\"__14 _b_13\"/>\u00f6r <span class=\"ws56_3\">Nordea</span>s resurser (dvs.<span class=\"__14 _1ce\"> </span>personal, lokaler<span class=\"__14 _b_13\"/>, teknik och informa<span class=\"__14 _b_13\"/>tion), leveranskedja,<span class=\"__14 _1ce\"> </span>ber\u00f6rda parter och anseende, innan en st<span class=\"__14 _b_13\"/>\u00f6rning/incident<span class=\"__14 _1ce\"> </span>intr<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">\u00e4ffar</span><span class=\"__14 _1c_10\"/>. H\u00e4r ing\u00e5r ocks\u00e5 att se till att roller och ansv<span class=\"__14 _1058\"/>arsomr\u00e5<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span>den \u00e4r tydliga, k\u00e4nda och kommunicer<span class=\"__14 _b_13\"/>ade till alla inblandade.<span class=\"__14 _1ce\"> </span>Han<span class=\"__14 _1058\"/>tering av tredjepartsrisker<span class=\"__14 _1ce\"> </span>Hanteringen a<span class=\"__14 _b_13\"/>v tredjepartsrisker ska s\u00e4kerst\u00e4lla att risker<span class=\"__14 _1ce\"> </span>h\u00e4nf<span class=\"__14 _b_13\"/>\u00f6rliga till tredje part och deras verksamhet, bland annat<span class=\"__14 _1ce\"> </span>uppdragsa<span class=\"__14 _b_13\"/>vtal<span class=\"__14 _1072\"/>, identi\ufb01er<span class=\"__14 _1058\"/>as, bed\u00f6ms och begr\u00e4nsas p\u00e5 l\u00e4mp-<span class=\"__14 _1ce\"> </span>ligt s\u00e4tt innan a<span class=\"__14 _b_13\"/>vtal med dessa ing\u00e5s, under avtalstiden och<span class=\"__14 _1ce\"> </span>n\u00e4r avtal<span class=\"__14 _1058\"/>et ska avsl<span class=\"__14 _b_13\"/>utas. Hanteringen av tr<span class=\"__14 _b_13\"/>edjepar<span class=\"__14 _1072\"/>tsrisker<span class=\"__14 _1ce\"> </span>s\u00e4kerst\u00e4ller att risk<span class=\"__14 _b_13\"/>er  <span class=\"__14 _1067\"/>h\u00e4nf<span class=\"__14 _b_13\"/>\u00f6rliga till tredje par<span class=\"__14 _1072\"/>t och deras<span class=\"__14 _1ce\"> </span>verksamhet h\u00e5lls inom g\u00e4llande risk<span class=\"__14 _1058\"/>tolerans och risklimiter<span class=\"__14 _1c_10\"/>.<span class=\"__14 _1ce\"> </span>Han<span class=\"__14 _1058\"/>tering av risker<span class=\"__14 _1058\"/> i informations-<span class=\"__14 _1ce\"> </span>och kommunikations<span class=\"__14 _b_13\"/>teknik<span class=\"__14 _1ce\"> </span>Hanteringen a<span class=\"__14 _b_13\"/>v risker i inf<span class=\"__14 _b_13\"/>ormations- och kommunikations-<span class=\"__14 _1ce\"> </span>teknik ska s\u00e4kerst\u00e4lla a<span class=\"__14 _b_13\"/>tt risker h\u00e4nf\u00f6rliga till in<span class=\"__14 _b_13\"/>formations-<span class=\"__14 _1ce\"> </span>och kommunikations<span class=\"__14 _b_13\"/>teknik och datahantering iden<span class=\"__14 _b_13\"/>ti\ufb01eras,<span class=\"__14 _1ce\"> </span>bed\u00f6ms och hanter<span class=\"__14 _b_13\"/>as. Detta innefattar \u00e4<span class=\"__14 _b_13\"/>ven den oberoende<span class=\"__14 _1ce\"> </span>valideringen a<span class=\"__14 _b_13\"/>v riskdataaggregering och riskrapportering.<span class=\"__14 _1ce\"> </span>Nordea<span class=\"ws0_14\"> har ett inf<span class=\"__14 _b_13\"/>ormationss\u00e4kerhetssystem f<span class=\"__14 _b_13\"/>\u00f6r att uppr\u00e4tt<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span></span>h\u00e5lla principerna och kra<span class=\"__14 _b_13\"/>ven f\u00f6r inf<span class=\"__14 _b_13\"/>ormationss\u00e4kerhet. Det<span class=\"__14 _1ce\"> </span>\u00f6vergripande syftet \u00e4r a<span class=\"__14 _b_13\"/>tt uppr\u00e4tth\u00e5lla sekretess, in<span class=\"__14 _b_13\"/>tegritet och<span class=\"__14 _1ce\"> </span>tillg\u00e4nglighet f\u00f6r <span class=\"ws57_3\">Nor<span class=\"__14 _1058\"/>dea<span class=\"ws0_14\">s inf<span class=\"__14 _b_13\"/>ormation, och informa<span class=\"__14 _b_13\"/>tion som<span class=\"__14 _1072\"/> </span></span>anf<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>trotts Nor<span class=\"__14 _1058\"/>dea<span class=\"ws0_14\">, genom att till\u00e4mpa en riskbaserad met<span class=\"__14 _b_13\"/>od.<span class=\"__14 _1ce\"> </span></span>5.2 Hantering a<span class=\"__14 _b_13\"/>v risker i den \ufb01nansiella rapporteringen<span class=\"__14 _1ce\"> </span>Risk i den \ufb01nansiella rapporteringen de\ufb01nieras som risk<span class=\"__14 _1058\"/>en f\u00f6r<span class=\"__14 _1ce\"> </span>felak<span class=\"__14 _b_13\"/>tigheter eller brister i den \ufb01nansiella rapporteringen, den<span class=\"__14 _1ce\"> </span>lagstadgade rapporteringen, l\u00e4mnade uppl<span class=\"__14 _b_13\"/>ysningar, ska<span class=\"__14 _b_13\"/>tte-<span class=\"__14 _1ce\"> </span>rapportering och redovisning a<span class=\"__14 _b_13\"/>v ESG-upplysningar<span class=\"__14 _b_13\"/>. Det \ufb01nns<span class=\"__14 _1ce\"> </span>ett intern<span class=\"__14 _b_13\"/>t kontrollsyst<span class=\"__14 _b_13\"/>em f\u00f6r hantering a<span class=\"__14 _b_13\"/>v risker i den \ufb01nan-<span class=\"__14 _1ce\"> </span>siella rapporteringen. Syst<span class=\"__14 _b_13\"/>emet ger en struktur och inneh\u00e5ller<span class=\"__14 _1ce\"> </span>standarder f<span class=\"__14 _b_13\"/>\u00f6r hur den interna kon<span class=\"__14 _b_13\"/>trollen av den \ufb01nansiella<span class=\"__14 _1ce\"> </span>rapporteringen ska utf<span class=\"__14 _1058\"/>ormas, sk\u00f6tas och utv<span class=\"__14 _b_13\"/>\u00e4rderas i hela<span class=\"__14 _1ce\"> </span>koncernen. Det \u00e4r genom det h\u00e4r syst<span class=\"__14 _b_13\"/>emet som ledningen ger<span class=\"__14 _1ce\"> </span>sin f\u00f6rs\u00e4kran p\u00e5 de \ufb01nansiella r<span class=\"__14 _b_13\"/>appor<span class=\"__14 _1072\"/>terna. Group Risk \u00e4r<span class=\"__14 _1ce\"> </span>kontr<span class=\"__14 _b_13\"/>ollfunktionen f\u00f6r risk<span class=\"__14 _b_13\"/>er i den \ufb01nansiella rappor<span class=\"__14 _1072\"/>teringen<span class=\"__14 _1ce\"> </span>och ansvarar f<span class=\"__14 _b_13\"/>\u00f6r den oberoende uppf\u00f6ljningen och k<span class=\"__14 _1058\"/>ontrollen<span class=\"__14 _1ce\"> </span>av risk<span class=\"__14 _b_13\"/>erna och koncernens inf\u00f6r<span class=\"__14 _b_13\"/>ande av ramv<span class=\"__14 _1058\"/>erket. Funk<span class=\"__14 _1058\"/>tio-<span class=\"__14 _1ce\"> </span>nen rapporterar till re<span class=\"__14 _1058\"/>visionskommitt\u00e9n (BA<span class=\"__14 _b_13\"/>C) varje kvartal.<span class=\"__14 _1ce\"> </span>6. Regelefterl<span class=\"__14 _1058\"/>evnadsrisk<span class=\"__14 _1ce\"> </span>Nordea de\ufb01nierar r<span class=\"__14 _1058\"/>egelefterlevnadsrisk som risk<span class=\"__14 _1058\"/>en att int<span class=\"__14 _b_13\"/>e<span class=\"__14 _1ce\"> </span>lyckas eft<span class=\"__14 _b_13\"/>erleva g\u00e4llande lagar och motsvarande in<span class=\"__14 _b_13\"/>terna<span class=\"__14 _1ce\"> </span>best\u00e4<span class=\"__14 _1072\"/>mme<span class=\"__14 _1072\"/>lser. Hanteringen a<span class=\"__14 _b_13\"/>v regelefterlevnadsrisk styrs a<span class=\"__14 _b_13\"/>v<span class=\"__14 _1072\"/> Nordea<span class=\"ws0_14\">s riskf<span class=\"__14 _1058\"/>\u00f6rklaring f\u00f6r r<span class=\"__14 _1058\"/>egelefterlevnadsrisk, som ocks\u00e5<span class=\"__14 _1ce\"> </span></span>anger vilka kra<span class=\"__14 _b_13\"/>v som g\u00e4ller f\u00f6r begr\u00e4nsningen a<span class=\"__14 _b_13\"/>v regelefterlev<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span>nadsrisk. Medarbetare i hela <span class=\"ws57_3\">Nordea</span> ansvar<span class=\"__14 _b_13\"/>ar f\u00f6r regelefterlev<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span>nadsriskerna inom ramen f<span class=\"__14 _b_13\"/>\u00f6r sina befogenheter och f<span class=\"__14 _b_13\"/>\u00f6r att<span class=\"__14 _1ce\"> </span>hanter<span class=\"__14 _b_13\"/>a dessa risker i enlighet med ramverket f<span class=\"__14 _b_13\"/>\u00f6r hantering a<span class=\"__14 _b_13\"/>v<span class=\"__14 _1072\"/> regelefterlevnadsrisk. Group Complianc<span class=\"__14 _b_13\"/>e \u00e4r <span class=\"ws57_3\">Nordea</span>s obero<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span>ende regelefterlevnadsf<span class=\"__14 _b_13\"/>unktion i den andra f\u00f6rsv<span class=\"__14 _1058\"/>arslinjen och<span class=\"__14 _1ce\"> </span>ansvarar f<span class=\"__14 _b_13\"/>\u00f6r att utveckla och underh\u00e5lla ramv<span class=\"__14 _b_13\"/>erket samt v\u00e4g<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span>leda verksamheten i der<span class=\"__14 _1058\"/>as inf<span class=\"__14 _b_13\"/>\u00f6rande och till\u00e4mpning av ram<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span>verket.<span class=\"__14 _1ce\"> </span>Aktivitet<span class=\"__14 _b_13\"/>erna p\u00e5 regelefterlevnadsomr\u00e5det presen<span class=\"__14 _b_13\"/>teras f\u00f6r<span class=\"__14 _1ce\"> </span>Nordeas vd och konc<span class=\"__14 _b_13\"/>ernchef och styrelse i form a<span class=\"__14 _b_13\"/>v en \u00e5rlig<span class=\"__14 _1ce\"> </span>plan f\u00f6r r<span class=\"__14 _1058\"/>egelefterlevnad. Den \u00e5rliga planen f<span class=\"__14 _b_13\"/>\u00f6r regelefterlev-<span class=\"__14 _1ce\"> </span>nad inneh\u00e5ller en \u00f6versik<span class=\"__14 _b_13\"/>t \u00f6ver Nordeas aktivitet<span class=\"__14 _b_13\"/>er p\u00e5 omr\u00e5-<span class=\"__14 _1ce\"> </span>det, inklusive Group Compliances \u00f6v<span class=\"__14 _b_13\"/>ergripande strategi f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1ce\"> </span>viktiga riskomr<span class=\"__14 _b_13\"/>\u00e5den. Planen utg\u00f6rs av detaljerade planer f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">aff\u00e4rsomr</span><span class=\"__14 _b_13\"/>\u00e5den, koncernfunk<span class=\"__14 _b_13\"/>tioner, k<span class=\"__14 _1058\"/>onsoliderade dott<span class=\"__14 _b_13\"/>er<span class=\"__14 _1072\"/>f\u00f6re-<span class=\"__14 _1ce\"> </span>tag och \ufb01lialer<span class=\"__14 _b_13\"/>, och f\u00f6r respek<span class=\"__14 _b_13\"/>tive riskomr\u00e5de. Group Compli-<span class=\"__14 _1ce\"> </span>ance ansvar<span class=\"__14 _1058\"/>ar ocks\u00e5 f\u00f6r den l\u00f6pande r<span class=\"__14 _b_13\"/>appor<span class=\"__14 _1072\"/>teringen av sina<span class=\"__14 _1ce\"> </span>planer till koncernstyr<span class=\"__14 _b_13\"/>elsen, koncernchefen i konc<span class=\"__14 _1058\"/>ernled-<span class=\"__14 _1ce\"> </span>ningen, \ufb01lialledningen och ber\u00f6rda kommitt<span class=\"__14 _b_13\"/>\u00e9er, mins<span class=\"__14 _b_13\"/>t en<span class=\"__14 _1ce\"> </span>g\u00e5ng per kvartal.<span class=\"__14 _1ce\"> </span>Under 2022 p\u00e5v<span class=\"__14 _b_13\"/>erkades m\u00e5nga privat- och f\u00f6r<span class=\"__14 _b_13\"/>etagskun-<span class=\"__14 _1ce\"> </span>ders ekonomi negativt a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">v effekterna a</span><span class=\"__14 _b_13\"/>v Rysslands invasion a<span class=\"__14 _b_13\"/>v<span class=\"__14 _1ce\"> </span>Ukraina, snabbt s<span class=\"__14 _b_13\"/>tigande inflation, stigande r\u00e4n<span class=\"__14 _b_13\"/>tor och h\u00f6gre<span class=\"__14 _1ce\"> </span>energikostnader<span class=\"__14 _1c_10\"/>. F\u00f6r m\u00e5nga, fram<span class=\"__14 _b_13\"/>f\u00f6r allt sm\u00e5f<span class=\"__14 _b_13\"/>\u00f6retag, kom<span class=\"__14 _1ce\"> </span>detta i till\u00e4gg till en redan f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>svagad ekonomisk st<span class=\"__14 _1058\"/>\u00e4llning<span class=\"__14 _1ce\"> </span>efter covid-<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">19-pandemin. Nordea har tagit h\u00e4nsyn till effek</span><span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>terna a<span class=\"__14 _1058\"/>v h\u00f6gre infla<span class=\"__14 _b_13\"/>tion i sin kreditgivning och f\u00f6ljt anvisning-<span class=\"__14 _1ce\"> </span>arna fr\u00e5n tillsynsm<span class=\"__14 _1058\"/>yndigheter<span class=\"__14 _b_13\"/>, ex<span class=\"__14 _b_13\"/>empelvis ESMA, som i ett<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">offen</span><span class=\"__14 _b_13\"/>tligt uttalande har p\u00e5mint f\u00f6r<span class=\"__14 _b_13\"/>etag om att ta h\u00e4nsyn till<span class=\"__14 _1ce\"> </span>inflations<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">effek</span><span class=\"__14 _b_13\"/>terna i sina placeringstj\u00e4nster och sin pr<span class=\"__14 _b_13\"/>odukt-<span class=\"__14 _1ce\"> </span>styrning. Stigande r\u00e4n<span class=\"__14 _b_13\"/>tor har ocks\u00e5 skapat nya m\u00f6jligheter f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1ce\"> </span>kunder att f<span class=\"__14 _b_13\"/>\u00f6rb\u00e4ttra a<span class=\"__14 _1058\"/>vkastningen p\u00e5 sina sparkon<span class=\"__14 _b_13\"/>ton och fas<span class=\"ws0_14\">-<span class=\"__14 _1ce\"> </span></span>tr\u00e4n<span class=\"__14 _1058\"/>teplaceringar<span class=\"__14 _b_13\"/>, och Nordea f<span class=\"__14 _b_13\"/>or<span class=\"__14 _1072\"/>ts\u00e4tter att se \u00f6<span class=\"__14 _b_13\"/>ver sitt pro-<span class=\"__14 _1ce\"> </span>dukterbjudande med a<span class=\"__14 _b_13\"/>vseende p\u00e5 l\u00e4mplighet och bredd uti-<span class=\"__14 _1ce\"> </span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfNotesAndOtherExplanatoryInformationExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-20": {
   "value": "Nordea Bank Abp (FO-nummer 2858394-9) ",
   "dimensions": {
    "concept": "ifrs-full:NameOfReportingEntityOrOtherMeansOfIdentification",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-21": {
   "value": "Helsingfors, Finland ",
   "dimensions": {
    "concept": "ifrs-full:DomicileOfEntity",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-26": {
   "value": "Ett publikt aktiebolag ",
   "dimensions": {
    "concept": "ifrs-full:LegalFormOfEntity",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-22": {
   "value": "Finland ",
   "dimensions": {
    "concept": "ifrs-full:CountryOfIncorporation",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-23": {
   "value": "Hamnbanegatan (Satamaradankatu) 5, FI-00020,  Nordea, Helsingfors, Finland ",
   "dimensions": {
    "concept": "ifrs-full:AddressOfRegisteredOfficeOfEntity",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-24": {
   "value": "Norden ",
   "dimensions": {
    "concept": "ifrs-full:PrincipalPlaceOfBusiness",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-25": {
   "value": "Finansiella produkter och tj\u00e4nster  till privat- och f\u00f6retagskunder,  d\u00e4ribland andra \ufb01nansinstitut",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfNatureOfEntitysOperationsAndPrincipalActivities",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-29": {
   "value": "Nordea Bank Abp ",
   "dimensions": {
    "concept": "ifrs-full:NameOfParentEntity",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-552": {
   "value": "Grunder f\u00f6r presentationen Nordeas koncernredovisning har uppr\u00e4ttats i enlighet med  International Financial Reporting Standards (IFRS) som god- k\u00e4nts av EU-kommissionen. Vidare har vissa kompletterande regler i enlighet med \ufb01nska bokf\u00f6ringslagen, \ufb01nska kreditin- stitutslagen, \ufb01nska Finansinspektionens f\u00f6reskrifter och all- m\u00e4nna r\u00e5d samt beslut av det \ufb01nska Finansministeriets f\u00f6r- ordning om bokslut och koncernredovisning i kreditinstitut  och v\u00e4rdepappersf\u00f6retag ocks\u00e5 till\u00e4mpats. De till\u00e4ggsupplysningar som kr\u00e4vs enligt ovan n\u00e4mnda  standarder, rekommendationer och lagstiftning \u00e5ter\ufb01nns i  noterna, i kapitlet Kapitalhantering samt i andra delar av de  \ufb01nansiella rapporterna. Den 22 februari 2023 godk\u00e4nde styrelsen \u00e5rsredovisningen,  som slutligt ska fastst\u00e4llas av den ordinarie bolagsst\u00e4mman  den 23 mars 2023.  Redovisningsprinciperna, ber\u00e4kningsmetoderna och pre- sentationen \u00e4r of\u00f6r\u00e4ndrade j\u00e4mf\u00f6rt med \u00e5rsredovisningen  2021, med undantag f\u00f6r de \u00e4ndringar som beskrivs nedan i  avsnittet \u201dF\u00f6r\u00e4ndrade redovisningsprinciper och f\u00f6r\u00e4ndrad  presentation\u201d.  Alla belopp redovisas i miljoner euro, om inget annat  anges. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGeneralInformationAboutFinancialStatementsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-547": {
   "value": "Grunder f\u00f6r presentationen Nordeas koncernredovisning har uppr\u00e4ttats i enlighet med  International Financial Reporting Standards (IFRS) som god- k\u00e4nts av EU-kommissionen.",
   "dimensions": {
    "concept": "ifrs-full:StatementOfIFRSCompliance",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-27": {
   "value": "Grunder f\u00f6r presentationen Nordeas koncernredovisning har uppr\u00e4ttats i enlighet med  International Financial Reporting Standards (IFRS) som god- k\u00e4nts av EU-kommissionen. Vidare har vissa kompletterande regler i enlighet med \ufb01nska bokf\u00f6ringslagen, \ufb01nska kreditin- stitutslagen, \ufb01nska Finansinspektionens f\u00f6reskrifter och all- m\u00e4nna r\u00e5d samt beslut av det \ufb01nska Finansministeriets f\u00f6r- ordning om bokslut och koncernredovisning i kreditinstitut  och v\u00e4rdepappersf\u00f6retag ocks\u00e5 till\u00e4mpats. De till\u00e4ggsupplysningar som kr\u00e4vs enligt ovan n\u00e4mnda  standarder, rekommendationer och lagstiftning \u00e5ter\ufb01nns i  noterna, i kapitlet Kapitalhantering samt i andra delar av de  \ufb01nansiella rapporterna. Den 22 februari 2023 godk\u00e4nde styrelsen \u00e5rsredovisningen,  som slutligt ska fastst\u00e4llas av den ordinarie bolagsst\u00e4mman  den 23 mars 2023.  Redovisningsprinciperna, ber\u00e4kningsmetoderna och pre- sentationen \u00e4r of\u00f6r\u00e4ndrade j\u00e4mf\u00f6rt med \u00e5rsredovisningen  2021, med undantag f\u00f6r de \u00e4ndringar som beskrivs nedan i  avsnittet \u201dF\u00f6r\u00e4ndrade redovisningsprinciper och f\u00f6r\u00e4ndrad  presentation\u201d.  Alla belopp redovisas i miljoner euro, om inget annat  anges",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-548": {
   "value": "Den 22 februari 2023 godk\u00e4nde styrelsen \u00e5rsredovisningen,  som slutligt ska fastst\u00e4llas av den ordinarie bolagsst\u00e4mman  den 23 mars 2023",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAuthorisationOfFinancialStatementsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-549": {
   "value": "F\u00f6r\u00e4ndrade redovisningsprinciper  och f\u00f6r\u00e4ndrad presentation Nya redovisningsprinciper och f\u00f6r\u00e4ndringar i presentationen  inf\u00f6rdes under 2022. Deras inverkan p\u00e5 Nordeas redovisning,  beskrivs nedan. F\u00f6r\u00e4ndrad presentation av lagstadgade avgifter Under 2022 b\u00f6rjade Nordea redovisa resolutionsavgifter och  den svenska bankskatten separat p\u00e5 den nya raden \u201dLagstad- gade avgifter\u201d i resultatr\u00e4kningen. Den tidigare principen var  att redovisa liknande kostnader p\u00e5 raden \u201d\u00d6vriga kostnader\u201d.  Den nya presentationen ger en tydligare bild av Nordeas  underliggande resultat och de lagstadgade avgifternas  p\u00e5verkan. Resolutionsavgifterna redovisas \u00e4ven forts\u00e4ttnings- vis i sin helhet under f\u00f6rsta kvartalet, medan den svenska  bankskatten periodiseras linj\u00e4rt \u00f6ver \u00e5ret. J\u00e4mf\u00f6relsesiffrorna  har r\u00e4knats om och f\u00f6r\u00e4ndringens inverkan framg\u00e5r av tabel- len nedan. Hel\u00e5r 2022 Mn euro Tidigare  princip F\u00f6r\u00e4ndr. Ny princip Allm\u00e4nna  administrationsavgifter:   \u00d6vriga kostnader -1 457 322 -1 135 Lagstadgade avgifter \u2013 -322 -322 Summa r\u00f6relsekostnader -4 903 \u2013 -4 903 Inverkan p\u00e5 resultat per aktie f\u00f6re/efter utsp\u00e4dning, euro \u2013 Hel\u00e5r 2021 Mn euro Tidigare  princip F\u00f6r\u00e4ndr. Ny princip Allm\u00e4nna  administrationsavgifter:   \u00d6vriga kostnader -1 226 224 -1 002 Lagstadgade avgifter \u2013 -224 -224 Summa r\u00f6relsekostnader -4 649 \u2013 -4 649 Inverkan p\u00e5 resultat per aktie f\u00f6re/efter utsp\u00e4dning, euro \u2013 F\u00f6r\u00e4ndrad presentation av s\u00e4krade poster vid  s\u00e4kring av verkligt v\u00e4rde p\u00e5 mikroniv\u00e5 Nordea till\u00e4mpar s\u00e4kring av verkligt v\u00e4rde b\u00e5de p\u00e5 mikroniv\u00e5  (enskilda tillg\u00e5ngar/skulder eller st\u00e4ngda portf\u00f6ljer av till- g\u00e5ngar/skulder, d\u00e4r en eller flera poster s\u00e4kras med hj\u00e4lp av  ett eller flera s\u00e4kringsinstrument), och p\u00e5 makroniv\u00e5 (\u00f6ppna  portf\u00f6ljer, d\u00e4r grupper av poster s\u00e4kras med hj\u00e4lp av flera  s\u00e4kringsinstrument). Fr\u00e5n och med 2022 redovisar Nordea f\u00f6r\u00e4ndringar av verk- ligt v\u00e4rde f\u00f6r s\u00e4krade poster i s\u00e4kring av verkligt v\u00e4rde p\u00e5  mikroniv\u00e5 p\u00e5 samma rad i balansr\u00e4kningen som s\u00e4krade pos- ter, ist\u00e4llet f\u00f6r som tidigare p\u00e5 raden \u201dF\u00f6r\u00e4ndringar av verkligt  v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster\u201d. F\u00f6r\u00e4ndringar av verkligt v\u00e4rde  f\u00f6r s\u00e4krade poster i s\u00e4kring av verkligt v\u00e4rde p\u00e5 makroniv\u00e5  redovisas som tidigare p\u00e5 en separat rad i balansr\u00e4kningen,  som fr\u00e5n 2022 har bytt namn fr\u00e5n \u201dF\u00f6r\u00e4ndring av verkligt  v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster\u201d till \u201dF\u00f6r\u00e4ndring av verkligt  v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer\u201d. J\u00e4mf\u00f6rel- sesiffrorna har r\u00e4knats om och f\u00f6r\u00e4ndringens inverkan fram- g\u00e5r av tabellen nedan. 31 dec 2022 Mn euro Tidigare princip F\u00f6r\u00e4ndr. Ny princip Emitterade v\u00e4rdepapper 183 801 -3 998 179 803 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer \u2013 -2 175 -2 175 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster -6 677 -6 677 \u2013 Efterst\u00e4llda skulder 5 905 -504 5 401 Totala skulder 563 440 \u2013 563 440 31 dec 2021 Mn euro Tidigare princip F\u00f6r\u00e4ndr.  Ny princip Emitterade v\u00e4rdepapper 175 792 573 176 365 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer \u2013 101 101 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster 805 -805 \u2013 Efterst\u00e4llda skulder 6 719 131 6 850 Totala skulder 536 850 \u2013 536 850 ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReclassificationsOrChangesInPresentationExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-28": {
   "value": "F\u00f6r\u00e4ndrade redovisningsprinciper  och f\u00f6r\u00e4ndrad presentation Nya redovisningsprinciper och f\u00f6r\u00e4ndringar i presentationen  inf\u00f6rdes under 2022. Deras inverkan p\u00e5 Nordeas redovisning,  beskrivs nedan. F\u00f6r\u00e4ndrad presentation av lagstadgade avgifter Under 2022 b\u00f6rjade Nordea redovisa resolutionsavgifter och  den svenska bankskatten separat p\u00e5 den nya raden \u201dLagstad- gade avgifter\u201d i resultatr\u00e4kningen. Den tidigare principen var  att redovisa liknande kostnader p\u00e5 raden \u201d\u00d6vriga kostnader\u201d.  Den nya presentationen ger en tydligare bild av Nordeas  underliggande resultat och de lagstadgade avgifternas  p\u00e5verkan. Resolutionsavgifterna redovisas \u00e4ven forts\u00e4ttnings- vis i sin helhet under f\u00f6rsta kvartalet, medan den svenska  bankskatten periodiseras linj\u00e4rt \u00f6ver \u00e5ret. J\u00e4mf\u00f6relsesiffrorna  har r\u00e4knats om och f\u00f6r\u00e4ndringens inverkan framg\u00e5r av tabel- len nedan. Hel\u00e5r 2022 Mn euro Tidigare  princip F\u00f6r\u00e4ndr. Ny princip Allm\u00e4nna  administrationsavgifter:   \u00d6vriga kostnader -1 457 322 -1 135 Lagstadgade avgifter \u2013 -322 -322 Summa r\u00f6relsekostnader -4 903 \u2013 -4 903 Inverkan p\u00e5 resultat per aktie f\u00f6re/efter utsp\u00e4dning, euro \u2013 Hel\u00e5r 2021 Mn euro Tidigare  princip F\u00f6r\u00e4ndr. Ny princip Allm\u00e4nna  administrationsavgifter:   \u00d6vriga kostnader -1 226 224 -1 002 Lagstadgade avgifter \u2013 -224 -224 Summa r\u00f6relsekostnader -4 649 \u2013 -4 649 Inverkan p\u00e5 resultat per aktie f\u00f6re/efter utsp\u00e4dning, euro \u2013 F\u00f6r\u00e4ndrad presentation av s\u00e4krade poster vid  s\u00e4kring av verkligt v\u00e4rde p\u00e5 mikroniv\u00e5 Nordea till\u00e4mpar s\u00e4kring av verkligt v\u00e4rde b\u00e5de p\u00e5 mikroniv\u00e5  (enskilda tillg\u00e5ngar/skulder eller st\u00e4ngda portf\u00f6ljer av till- g\u00e5ngar/skulder, d\u00e4r en eller flera poster s\u00e4kras med hj\u00e4lp av  ett eller flera s\u00e4kringsinstrument), och p\u00e5 makroniv\u00e5 (\u00f6ppna  portf\u00f6ljer, d\u00e4r grupper av poster s\u00e4kras med hj\u00e4lp av flera  s\u00e4kringsinstrument). Fr\u00e5n och med 2022 redovisar Nordea f\u00f6r\u00e4ndringar av verk- ligt v\u00e4rde f\u00f6r s\u00e4krade poster i s\u00e4kring av verkligt v\u00e4rde p\u00e5  mikroniv\u00e5 p\u00e5 samma rad i balansr\u00e4kningen som s\u00e4krade pos- ter, ist\u00e4llet f\u00f6r som tidigare p\u00e5 raden \u201dF\u00f6r\u00e4ndringar av verkligt  v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster\u201d. F\u00f6r\u00e4ndringar av verkligt v\u00e4rde  f\u00f6r s\u00e4krade poster i s\u00e4kring av verkligt v\u00e4rde p\u00e5 makroniv\u00e5  redovisas som tidigare p\u00e5 en separat rad i balansr\u00e4kningen,  som fr\u00e5n 2022 har bytt namn fr\u00e5n \u201dF\u00f6r\u00e4ndring av verkligt  v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster\u201d till \u201dF\u00f6r\u00e4ndring av verkligt  v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer\u201d. J\u00e4mf\u00f6rel- sesiffrorna har r\u00e4knats om och f\u00f6r\u00e4ndringens inverkan fram- g\u00e5r av tabellen nedan. en inte f\u00e5r n\u00e5gon annan betydande inverkan p\u00e5 Nordeas redo- visning eller kapitalt\u00e4ckning n\u00e4r de till\u00e4mpas f\u00f6rsta g\u00e5ngen. \u00d6vriga f\u00f6r\u00e4ndringar i IFRS IASB har publicerat f\u00f6ljande nya eller omarbetade standarder d\u00e4r bed\u00f6mningen \u00e4r att dessa inte f\u00e5r n\u00e5gon betydande inver- kan p\u00e5 Nordeas redovisning eller kapitalt\u00e4ckning f\u00f6r den f\u00f6rsta till\u00e4mpnings perioden: \u2022  \u00c4ndringar av IAS 1 Utformning av \ufb01nansiella rapporter: Klas- si\ufb01cering av skulder som kort- eller l\u00e5ngfristiga liksom Klas- si\ufb01cering av skulder som kort- eller l\u00e5ngfristiga \u2013 ikrafttr\u00e4- dandet senarelagt samt L\u00e5ngfristiga skulder med kovenanter \u2022  \u00c4ndringar av IAS 8 Redovisningsprinciper, \u00e4ndringar i upp- skattningar och bed\u00f6mningar samt fel: De\ufb01nition av upp- skattningar och bed\u00f6mningar \u2022  \u00c4ndringar av IAS 1 Utformning av \ufb01nansiella rapporter och IFRS praxis uttalande 2: Upplysningar om redovisningsprinciper \u2022  F\u00f6reslagna \u00e4ndringar av IFRS 16 Leasing: Leasingskuld i ett sale and leaseback-avtal K1  Redovisningsprinciper, forts. 31 dec 2022 Mn euro Tidigare princip F\u00f6r\u00e4ndr. Ny princip Emitterade v\u00e4rdepapper 183 801 -3 998 179 803 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer \u2013 -2 175 -2 175 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster -6 677 -6 677 \u2013 Efterst\u00e4llda skulder 5 905 -504 5 401 Totala skulder 563 440 \u2013 563 440 31 dec 2021 Mn euro Tidigare princip F\u00f6r\u00e4ndr.  Ny princip Emitterade v\u00e4rdepapper 175 792 573 176 365 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer \u2013 101 101 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster 805 -805 \u2013 Efterst\u00e4llda skulder 6 719 131 6 850 Totala skulder 536 850 \u2013 536 850 \u00c4ndrade redovisningskrav IASB har publicerat f\u00f6ljande \u00e4ndringar, som inf\u00f6rdes av Nordea den 1 januari 2022 men som inte har haft n\u00e5gon betydande inverkan p\u00e5 Nordeas redovisning: \u2022  \u00c4ndringar av IFRS 3 R\u00f6relsef\u00f6rv\u00e4rv: H\u00e4nvisning till koncep- tuellt ramverk \u2022  \u00c4ndringar av IAS 16 Materiella anl\u00e4ggningstillg\u00e5ngar: Ers\u00e4ttningar f\u00f6re avsedd anv\u00e4ndning \u2022  \u00c4ndringar av IAS 37 Avs\u00e4ttningar, eventualf\u00f6rpliktelser och eventualtillg\u00e5ngar: F\u00f6rlustkontrakt \u2013 Utgifter f\u00f6r att fullf\u00f6lja kontrakt \u2022  \u00c5rliga f\u00f6rb\u00e4ttringar av IFRS-standarder 2018\u20132020 F\u00f6r\u00e4ndringar i \ufb01nska bokf\u00f6ringslagen, \ufb01nska kreditinstitutsla- gen, \ufb01nska Finansinspektionens f\u00f6reskrifter och allm\u00e4nna r\u00e5d samt \ufb01nska Finansministeriets f\u00f6rordning om bokslut och kon- cernredovisning i kreditinstitut och v\u00e4rdepappersf\u00f6retag har inte haft n\u00e5gon betydande inverkan p\u00e5 Nordeas redovisning. F\u00f6r\u00e4ndringar i IFRS som \u00e4nnu inte till\u00e4mpats IFRS 17 F\u00f6rs\u00e4kringsavtal IASB har publicerat den nya standarden IFRS 17 F\u00f6rs\u00e4kringsavtal. Den nya standarden \u00e4ndrar kraven f\u00f6r redovisning, v\u00e4rdering och presentation av samt upplysningar om f\u00f6rs\u00e4kringsavtal. IFRS 17 har godk\u00e4nts av EU-kommissionen och ska till\u00e4mpas f\u00f6r r\u00e4ken- skaps\u00e5r som b\u00f6rjar den 1 januari 2023 eller senare. Icke enhetliga v\u00e4rderingsprinciper som bygger p\u00e5 livf\u00f6rs\u00e4k- ringsdotterf\u00f6retagens lokala redovisningsprinciper ers\u00e4tts av enhetliga v\u00e4rderingsprinciper som bygger p\u00e5 tre v\u00e4rderingsmo- deller: den grundl\u00e4ggande v\u00e4rderingsmodellen (general measu- rement model, GMM), den r\u00f6rliga avgiftsmodellen (variable fee approach, VFA) och premieallokeringsmodellen (premium allo- cation approach, PAA). Valet av modell beror p\u00e5 villkoren i avta- let (l\u00e5ngfristiga, l\u00e5ngfristiga med r\u00f6rlig avgift eller kortfristiga). I de tre v\u00e4rderingsmodellerna de\ufb01nieras avtalsenliga kassafl\u00f6den, riskjusterad marginal och diskontering p\u00e5 samma s\u00e4tt. Dessa de\ufb01nitioner bygger p\u00e5 liknande principer som de som anv\u00e4nds vid ber\u00e4kning av f\u00f6rs\u00e4kringstekniska avs\u00e4ttningar i Solvens II- direktivet. Ej intj\u00e4nade marginaler p\u00e5 premier fr\u00e5n l\u00f6nsamma avtal redovisas som en avs\u00e4ttning i balansr\u00e4kningen och int\u00e4kts- f\u00f6rs n\u00e4r tj\u00e4nsten utf\u00f6rs, medan f\u00f6rluster fr\u00e5n ol\u00f6nsamma avtal redovisas i resultatr\u00e4kningen vid f\u00f6rsta redovisningstillf\u00e4llet. Ett redovisat v\u00e4rde om 2 106 mn euro kommer att omklassi\ufb01- ceras fr\u00e5n f\u00f6rs\u00e4kringsavtal till \ufb01nansiella avtal vid \u00f6verg\u00e5ngen (baserat p\u00e5 f\u00f6rs\u00e4kringsskulder per 31 december 2021). Detta avser huvudsakligen nyare kapitalf\u00f6rs\u00e4kringar av typen fond- f\u00f6rs\u00e4kring d\u00e4r f\u00f6rs\u00e4kringsrisken bed\u00f6ms vara obetydlig. Nordea kommer att anv\u00e4nda alla tre v\u00e4rderingsmodellerna, men den r\u00f6rliga avgiftsmodellen kommer att till\u00e4mpas f\u00f6r 99 procent av f\u00f6rs\u00e4kringsavtalen vid \u00f6verg\u00e5ngen (baserat p\u00e5 skulder per 31 december 2021). Nordea kommer att anv\u00e4nda EU:s s\u00e5 kallade carve out-ver- sion f\u00f6r \u00e5rsgrupperade avtal f\u00f6r tv\u00e5 portf\u00f6ljer med ett redovisat v\u00e4rde p\u00e5 6 293 mn euro (baserat p\u00e5 f\u00f6rs\u00e4kringsskulder per 31 december 2021). Nordea kommer inte att anv\u00e4nda m\u00f6jlighe- ten att dela upp \ufb01nansiella int\u00e4kter och kostnader fr\u00e5n f\u00f6rs\u00e4k- ringsavtal mellan resultat och \u00f6vrigt totalresultat. Det \ufb01nns olika metoder f\u00f6r \u00f6verg\u00e5ngen, beroende p\u00e5 tillg\u00e5ng- en till data vid \u00f6verg\u00e5ngen (1 januari 2022). Nordea har inte till- r\u00e4ckligt med information f\u00f6r att kunna till\u00e4mpa den helt eller modi\ufb01erade retrospektiva metoden f\u00f6r huvuddelen av avtalen, och kommer d\u00e4rf\u00f6r att anv\u00e4nda sig av verkligt v\u00e4rde-metoden. F\u00f6r de flesta \u00e5terst\u00e5ende avtalen till\u00e4mpas den modi\ufb01erade retro- spektiva metoden. Nordea kommer att anv\u00e4nda sig av verkligt v\u00e4rde-metoden f\u00f6r cirka 91 procent av f\u00f6rs\u00e4kringsavtalen (baserat p\u00e5 skulder per 31 december 2021). Till\u00e4mpningen av verkligt v\u00e4r- de-metoden i Nordea kommer att ge en h\u00f6gre avtalsenlig margi- nal j\u00e4mf\u00f6rt med de retrospektiva metoderna, och d\u00e4rmed en st\u00f6r- re minskning i eget kapital vid \u00f6verg\u00e5ngen eftersom den h\u00e4r metoden generellt kr\u00e4ver en ytterligare marginal som en m\u00f6jlig tredje part skulle kr\u00e4va. Den h\u00e4r marginalen kr\u00e4vs inte f\u00f6r de retrospektiva metoderna. Det inneb\u00e4r ocks\u00e5 att den avtalsenliga marginalen som ska periodiseras i framtiden \u00e4r h\u00f6gre enligt verk- ligt v\u00e4rde-metoden j\u00e4mf\u00f6rt med de retrospektiva metoderna. Den kvantitativa inverkan som inf\u00f6randet av IFRS 17 f\u00e5r p\u00e5 Nordeas redovisning vid \u00f6verg\u00e5ngen den 1 januari 2022 \u00e4r en reducering av eget kapital med 573 mn euro. Detta belopp inkluderar \u00e4ven en omv\u00e4rdering av obligationer som tidigare har v\u00e4rderats till \u201dUpplupet anskaffningsv\u00e4rde\u201d men klassi\ufb01ce- rats om som \u201dVerkligt v\u00e4rde via resultatr\u00e4kningen\u201d vid \u00f6ver- g\u00e5ngen. K\u00e4rnprim\u00e4rkapitalrelationen kommer att reduceras med 23 punkter vid \u00f6verg\u00e5ngen. Beskrivningarna ovan g\u00e4ller f\u00f6r f\u00f6rs\u00e4kringsavtal som inne- has av Nordea vid \u00f6verg\u00e5ngen den 1 januari 2022. Kontrakt i Topdanmark Livsforsikring kommer d\u00e4rmed inte att p\u00e5verka Nordeas \u00f6verg\u00e5ng till IFRS 17. F\u00f6r ytterligare information, se not K10.6 \u201d\u00d6verg\u00e5ngen till IFRS 17 F\u00f6rs\u00e4kringsavtal\u201d. \u00c4ndringar i IAS 12 Inkomstskatter: Uppskjutna skattefordringar och uppskjutna skatteskulder som h\u00e4rr\u00f6r fr\u00e5n en enda transaktion IASB publicerade under 2021 \u00e4ndringar i IAS 12 Inkomstskatter: Uppskjutna skattefordringar och uppskjutna skatteskulder som h\u00e4rr\u00f6r fr\u00e5n en enda transaktion. Enligt \u00e4ndringarna ska f\u00f6retag redovisa uppskjuten skatt fr\u00e5n s\u00e4rskilda transaktioner som vid f\u00f6rsta redovisningstillf\u00e4llet ger upphov till skattepliktiga och avdragsgilla tempor\u00e4ra skill- nader av lika belopp. Ett s\u00e5dant krav kan g\u00e4lla vid f\u00f6rsta redo- visningstillf\u00e4llet f\u00f6r en leasingskuld och motsvarande nyttjan- der\u00e4tt f\u00f6r tillg\u00e5ngen vid leasingperiodens b\u00f6rjan. Kravet g\u00e4ller ocks\u00e5 i samband med nedmontering, \u00e5terst\u00e4llande och liknan- de \u00e5taganden, d\u00e4r de motsvarande beloppen redovisas som en del av kostnaden f\u00f6r den ber\u00f6rda tillg\u00e5ngen. \u00c4ndringarna har godk\u00e4nts av EU och ska till\u00e4mpas f\u00f6r r\u00e4ken- skaps\u00e5r som b\u00f6rjar den 1 januari 2023 eller senare, och tidigare till\u00e4mpning \u00e4r till\u00e5ten. Upplysningar om bruttobeloppen f\u00f6r upp- skjutna skattefordringar och skatteskulder kommer att l\u00e4mnas, men beloppen kvittas i balansr\u00e4kningen om kraven uppfylls. Enligt Nordeas bed\u00f6mning kommer effekten p\u00e5 bruttobeloppen f\u00f6r uppskjutna skattefordringar och skatteskulder, redovisade i not K2.10 \u201dSkatter\u201d, att uppg\u00e5 till cirka 200 mn euro per den 1 januari 2023. Men eftersom dessa belopp f\u00f6rv\u00e4ntas kvittas i balansr\u00e4kningen, \u00e4r Nordeas nuvarande bed\u00f6mning att \u00e4ndring- ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfChangesInAccountingPoliciesExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-551": {
   "value": "Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar F\u00f6r att uppr\u00e4tta \u00e5rsredovisning i enlighet med god redovis- ningssed m\u00e5ste ledningen i vissa fall anv\u00e4nda sig av bed\u00f6m- ningar och uppskattningar. Det faktiska utfallet kan senare i viss m\u00e5n avvika fr\u00e5n de uppskattningar och antaganden som gjorts. S\u00e5dana bed\u00f6mningar och uppskattningar beskrivs under \u201dKritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar\u201d i ber\u00f6rda noter, med uppgift om bland annat: \u2022  de k\u00e4llor till os\u00e4kerhet i uppskattningar vid rapportperio- dens slut som inneb\u00e4r en betydande risk f\u00f6r en v\u00e4sentlig jus- tering av de redovisade v\u00e4rdena f\u00f6r tillg\u00e5ngar och skulder under n\u00e4stkommande r\u00e4kenskaps\u00e5r, och \u2022  de bed\u00f6mningar vid till\u00e4mpningen av redovisningsprinciper (ut\u00f6ver de som g\u00e4ller uppskattningar) som har st\u00f6rst inver- kan p\u00e5 de redovisade beloppen. Kritiska bed\u00f6mningar och uppskattningar \u00e4r fr\u00e4mst h\u00e4nf\u00f6rliga till: \u2022  R\u00e4ntenetto (not K2.2) \u2022  Nettoresultat av poster till verkligt v\u00e4rde (not K2.4) \u2022  Verkligt v\u00e4rde (not K3.4) \u2022  Klassi\ufb01cering och v\u00e4rdering (not K3.3) \u2022  Redovisning och bortbokning i balansr\u00e4kningen (not K3.1) \u2022  Pr\u00f6vning av nedskrivningsbehovet f\u00f6r: -  Immateriella tillg\u00e5ngar (not K5.1) -  Utl\u00e5ning (not K3.7) \u2022  Bed\u00f6mning av nyttjandeperiod f\u00f6r immateriella tillg\u00e5ngar (not K5.1) \u2022  S\u00e4kringsredovisning (not K3.6) \u2022  Pensioner (not K8.2) \u2022  F\u00f6rs\u00e4kringsavtal (not K4) \u2022  F\u00f6rvaltningsfastigheter (not K5.3) \u2022  Leasing (not K5.4) \u2022  Konsoliderade f\u00f6retag (not K9.1) \u2022  Skatter (not K2.10) \u2022  Avs\u00e4ttningar (not K6) Nordea har anv\u00e4nt sig av kritiska bed\u00f6mningar vid uppr\u00e4ttan- det av denna \u00e5rsredovisning till f\u00f6ljd av os\u00e4kerheten ifr\u00e5ga om de potentiella l\u00e5ngsiktiga effekter som h\u00f6gre energi- och r\u00e5va- rupriser samt minskad privatkonsumtion inom flera branscher kan f\u00e5 p\u00e5 Nordeas redovisning. S\u00e4rskilt viktiga omr\u00e5den under 2022 var pr\u00f6vning av nedskrivningsbehovet f\u00f6r goodwill och utl\u00e5ning till allm\u00e4nheten/kreditinstitut. F\u00f6r goodwill identi\ufb01erades inget nedskrivningsbehov under 2022, men det \ufb01nns os\u00e4kerhet i uppskattningarna av hur Nordeas redovisning p\u00e5verkas p\u00e5 l\u00e5ng sikt. Nya bed\u00f6mningar av nedskrivningsbehovet kommer att g\u00f6ras fortl\u00f6pande. Nordeas samlade goodwill uppgick till 2 262 mn euro vid utg\u00e5ngen av 2022 och till 1 975 mn euro vid utg\u00e5ngen av 2021. Prognoserna str\u00e4cker sig fram till utg\u00e5ngen av 2025 och f\u00f6r de efterf\u00f6ljande perioderna anv\u00e4ndes det l\u00e5ngsiktiga tillv\u00e4xtanta- gandet. F\u00f6r mer information om pr\u00f6vning av nedskrivningsbe- hov f\u00f6r goodwill, se not K5.1 \u201dImmateriella tillg\u00e5ngar\u201d. Kritiska bed\u00f6mningar har ocks\u00e5 anv\u00e4nts i bed\u00f6mningen av n\u00e4r l\u00e5n omfattats av kraftigt \u00f6kad kreditrisk (enligt kategoriin- delningen) och f\u00f6r makroscenarier vid uppskattning av \u00f6kning- en i f\u00f6rv\u00e4ntade kreditf\u00f6rluster. Vid ber\u00e4kningen av individuella avs\u00e4ttningar f\u00f6r betydande os\u00e4kra l\u00e5nefordringar anv\u00e4ndes kritiska bed\u00f6mningar f\u00f6r att uppskatta belopp och tidslinje f\u00f6r de f\u00f6rv\u00e4ntade kassafl\u00f6dena fr\u00e5n kunder enligt olika scenarier, och f\u00f6r att v\u00e4rdera eventuellt erh\u00e5llna s\u00e4kerheter. Vidare anv\u00e4ndes kritiska bed\u00f6mningar f\u00f6r att fastst\u00e4lla sannolikheten f\u00f6r att de olika scenarierna skulle intr\u00e4ffa. Mer information om pr\u00f6vning av nedskrivningsbehovet f\u00f6r utl\u00e5ning till allm\u00e4nhe- ten/kreditinstitut \ufb01nns i avsnittet \u201dKreditf\u00f6rluster och liknande nettoresultat\u201d p\u00e5 sidan 40, i not K3.7 \u201dUtl\u00e5ning\u201d och under \u201d\u00d6vrig information\u201d p\u00e5 sidan 46. Information om k\u00e4nsligheten f\u00f6r rating- och scoringf\u00f6r\u00e4ndringar \ufb01nns i avsnittet \u201dK\u00e4nslighe- ter\u201d i not K11 \u201dRisk- och likviditetshantering\u201d Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar Nordeas kritiska bed\u00f6mning \u00e4r att en eventuell f\u00f6r\u00e4ndring i r\u00e4ntan p\u00e5 uppl\u00e5ning via ECB:s riktade l\u00e5ngfristiga re\ufb01nansie- ringsprogram (TLTRO), fr\u00e5n det att gr\u00e4nsv\u00e4rdena f\u00f6r utl\u00e5ning har uppn\u00e5tts, ska betraktas som en f\u00f6r\u00e4ndring i en r\u00f6rlig r\u00e4nta och redovisas som en s\u00e5dan enligt IFRS 9. Den effekt som uppst\u00e5r genom att gr\u00e4nsv\u00e4rdena f\u00f6r utl\u00e5ning uppn\u00e5s redovisas d\u00e4rmed under \u201dR\u00e4ntenetto\u201d n\u00e4r det med tillr\u00e4cklig s\u00e4kerhet g\u00e5r att fastst\u00e4lla att gr\u00e4nsv\u00e4rdena kommer att uppn\u00e5s. Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar Os\u00e4kerhet i uppskattningar \ufb01nns i samband med v\u00e4rdering av  \ufb01nansiella instrument, framf\u00f6r allt f\u00f6r instrument som saknar  noterade kurser och nyligen observerade marknadskurser  (instrument i niv\u00e5 3). Se not K3.4 \u201dVerkligt v\u00e4rde\u201d . Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar Skattepositioner granskas regelbundet f\u00f6r att identi\ufb01era fall d\u00e4r ber\u00f6rda skattemyndigheter sannolikt inte godk\u00e4nner behandlingen i skattedeklarationen. Os\u00e4kra skattepositioner beaktas var f\u00f6r sig eller som grupp, beroende p\u00e5 vilken metod som b\u00e4st f\u00f6rutser utfallet av os\u00e4kerheten. Vid en bed\u00f6mning att skattemyndigheten sannolikt inte godtar en skattem\u00e4ssig behandling, tar Nordea h\u00e4nsyn till effekten av os\u00e4kerheten n\u00e4r beskattningsbart resultat, skattem\u00e4ssigt v\u00e4rde, outnyttjade skattem\u00e4ssiga f\u00f6rluster, outnyttjade skat- tekrediter eller skattesatser fastst\u00e4lls. Detta g\u00f6rs genom att anv\u00e4nda antingen det mest sannolika beloppet eller det f\u00f6r- v\u00e4ntade v\u00e4rdet, beroende p\u00e5 vilken metod som b\u00e4st f\u00f6rutser utfallet av os\u00e4kerheten. Os\u00e4ker skattem\u00e4ssig behandling kan p\u00e5verka b\u00e5de aktuell skatt och uppskjuten skatt. V\u00e4rderingen av uppskjutna skattefordringar p\u00e5verkas av ledningens bed\u00f6mning av Nordeas framtida resultat och till- r\u00e4ckligheten av framtida beskattningsbara vinster och fram- tida \u00e5terf\u00f6ringar av be\ufb01ntliga beskattningsbara tempor\u00e4ra skillnader. Dessa bed\u00f6mningar uppdateras och ses \u00f6ver vid varje bokslutstillf\u00e4lle, och justeras om s\u00e5 beh\u00f6vs f\u00f6r att avspegla den nuvarande situationen. Det redovisade v\u00e4rdet p\u00e5 uppskjutna skattefordringar upp- gick vid \u00e5rets slut till 165 mn euro (218 mn euro). Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar  L\u00e5n och andra \ufb01nansiella tillg\u00e5ngar d\u00e4r kassafl\u00f6dena har jus- terats, eller som ing\u00e5r i en rekonstruktion, bokas bort fr\u00e5n  balansr\u00e4kningen, och ett nytt l\u00e5n redovisas om villkoren f\u00f6r  det nya l\u00e5net v\u00e4sentligen skiljer sig fr\u00e5n de tidigare villkoren.  Nordea anv\u00e4nder sig av bed\u00f6mningar f\u00f6r att avg\u00f6ra om vill- koren f\u00f6r det nya l\u00e5net v\u00e4sentligen skiljer sig fr\u00e5n de tidigare  villkoren. Som framg\u00e5r av avsnittet \u201dRedovisningsprinciper\u201d  ovan, bed\u00f6ms villkoren v\u00e4sentligen skilja sig fr\u00e5n de tidigare  om nuv\u00e4rdet av kassafl\u00f6det fr\u00e5n det nya l\u00e5net, diskonterat  med den ursprungliga r\u00e4ntan, avviker med mer \u00e4n 10 procent  fr\u00e5n nuv\u00e4rdet av det \u00e5terst\u00e5ende f\u00f6rv\u00e4ntade kassafl\u00f6det fr\u00e5n  det gamla l\u00e5net eller om det justerade kassafl\u00f6det endast  utg\u00f6rs av betalning av kapitalbelopp och r\u00e4nta (SPPI), medan  detta inte var fallet f\u00f6r det ursprungliga kassafl\u00f6det och vice  versa. Det redovisade v\u00e4rdet f\u00f6r l\u00e5n, r\u00e4nteb\u00e4rande v\u00e4rdepap- per och pantsatta \ufb01nansiella instrument p\u00e5 tillg\u00e5ngssidan i  balansr\u00e4kningen uppg\u00e5r till 419 627 mn euro (412 493 mn  euro). Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar Nordea klassi\ufb01cerar \ufb01nansiella tillg\u00e5ngar utifr\u00e5n den aff\u00e4rsmo- dell som anv\u00e4nds f\u00f6r tillg\u00e5ngarna. N\u00e4r aff\u00e4rsmodellen f\u00f6r obliga- tioner i likviditetsbufferten ska fastst\u00e4llas anv\u00e4nder sig Nordea av kritiska bed\u00f6mningar. Obligationerna i likviditetsbufferten delas in i tre portf\u00f6ljer. Nordea har f\u00f6r den f\u00f6rsta portf\u00f6ljen fastst\u00e4llt att aff\u00e4rsmodellen \u00e4r att beh\u00e5lla obligationerna och inkassera avtal- senliga kassafl\u00f6den samt att s\u00e4lja \ufb01nansiella tillg\u00e5ngar. F\u00f6r den andra portf\u00f6ljen har Nordea fastst\u00e4llt att aff\u00e4rsmodellen \u00e4r att f\u00f6rvalta obligationerna med m\u00e5let att realisera kassafl\u00f6den genom att s\u00e4lja tillg\u00e5ngar. F\u00f6r den tredje portf\u00f6ljen har Nordea fastst\u00e4llt att aff\u00e4rsmodellen \u00e4r att beh\u00e5lla obligationerna och inkassera avtalsenliga kassafl\u00f6den. Obligationerna i den f\u00f6rsta portf\u00f6ljen v\u00e4rderas till verkligt v\u00e4rde via \u00f6vrigt totalresultat, obli- gationerna i den andra portf\u00f6ljen v\u00e4rderas till verkligt v\u00e4rde via resultatr\u00e4kningen och den tredje portf\u00f6ljen v\u00e4rderas till upplupet anskaffningsv\u00e4rde. V\u00e4rdet p\u00e5 r\u00e4nteb\u00e4rande v\u00e4rdepapper, inklu- sive pantsatta \ufb01nansiella instrument i likviditetsbufferten, som v\u00e4rderas till verkligt v\u00e4rde via \u00f6vrigt totalresultat (f\u00f6rsta portf\u00f6l- jen), verkligt v\u00e4rde via resultatr\u00e4kningen (andra portf\u00f6ljen) och upplupet anskaffningsv\u00e4rde (tredje portf\u00f6ljen) uppgick vid \u00e5rets slut till 32 495 mn euro (33 972 mn euro), 24 078 mn euro (23 548 mn euro) respektive 41 mn euro (88 mn euro). Nordea klassi\ufb01cerar ocks\u00e5 \ufb01nansiella tillg\u00e5ngar utifr\u00e5n huru- vida avtalsvillkoren f\u00f6r de \ufb01nansiella tillg\u00e5ngarna ger upphov till kassafl\u00f6den som uteslutande utg\u00f6rs av betalning av kapitalbe- lopp och r\u00e4nta p\u00e5 utest\u00e5ende kapitalbelopp (SPPI, solely pay- ment of principal and interest). Vissa l\u00e5neavtal hos Nordea inne- fattar villkor som kopplar samman avtalsenliga kassafl\u00f6den med kundernas uppfyllelse av ESG-m\u00e5l (m\u00e5l avseende milj\u00f6, socialt ansvar och bolagsstyrning). Vid \u00e5rets slut uppgick det redovisade v\u00e4rdet p\u00e5 dessa h\u00e5llbarhetsl\u00e4nkade l\u00e5n till 6 775 mn euro (2 098 mn euro). Nordea anser att dessa l\u00e5n uppfyller SPPI-kra- ven i fr\u00e5ga om att m\u00e5len \u00e4r kundspeci\ufb01ka. Nordeas bed\u00f6mning \u00e4r f\u00f6ljaktligen att f\u00f6r\u00e4ndringen i avtalsenliga kassafl\u00f6den beror p\u00e5 den f\u00f6r\u00e4ndrade kreditrisken till f\u00f6ljd av att kunden uppfyllt, eller inte uppfyllt, ett ESG-m\u00e5l. Nordea klassi\ufb01cerar emitterade eviga efterst\u00e4llda instru- ment som antingen \ufb01nansiella skulder eller eget kapital. Nordea g\u00f6r bed\u00f6mningar f\u00f6r att fastst\u00e4lla om instrumentet innefattar ett krav p\u00e5 r\u00e4ntebetalning, beroende p\u00e5 om en fram- tida os\u00e4ker h\u00e4ndelse bortom b\u00e5de emittentens och innehava- rens kontroll intr\u00e4ffar eller inte intr\u00e4ffar . Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar Kritiska bed\u00f6mningar med betydande inverkan p\u00e5 redovisade belopp f\u00f6r \ufb01nansiella instrument g\u00f6rs i samband med fast- st\u00e4llande av verkligt v\u00e4rde p\u00e5 OTC-derivat och andra \ufb01nan- siella instrument som saknar noterade kurser eller nyligen observerade marknadskurser, s\u00e5som onoterade aktier. Bed\u00f6mningarna omfattar f\u00f6ljande: \u2022  Val av v\u00e4rderingsmetoder. \u2022  Bed\u00f6mning av n\u00e4r noterade kurser inte motsvarar verkligt v\u00e4rde (bland annat bed\u00f6mning av om marknaden \u00e4r aktiv). \u2022  Ber\u00e4kning av justeringar till verkligt v\u00e4rde f\u00f6r att beakta rel- evanta riskfaktorer s\u00e5som kreditrisk, modellrisk och likviditetsrisk. \u2022  Bed\u00f6mning av vilka marknadsparametrar som kan observeras. De kritiska bed\u00f6mningarna som kr\u00e4vs vid fastst\u00e4llandet av verkligt v\u00e4rde p\u00e5 \ufb01nansiella instrument som saknar noterade kurser eller nyligen observerade marknadskurser medf\u00f6r ocks\u00e5 en h\u00f6g grad av os\u00e4kerhet i uppskattningarna. I samtliga fall baseras besluten p\u00e5 en professionell bed\u00f6m- ning i enlighet med Nordeas redovisnings- och v\u00e4rderings- principer. Det verkliga v\u00e4rdet p\u00e5 \ufb01nansiella tillg\u00e5ngar och skulder v\u00e4rderade med hj\u00e4lp av en v\u00e4rderingsmetod, niv\u00e5 2 och 3 i v\u00e4rderingshierarkin, uppgick till 158 546 mn euro (157 336 mn euro) respektive 118 626 mn euro (112 568 mn euro) vid \u00e5rets slut. V\u00e4rderingsjusteringar (CVA, DVA, FFVA, NFVA, k\u00f6p/s\u00e4lj-justeringar, modellriskjusteringar och juste- ringar f\u00f6r variationer i oberoende priskontroller) som g\u00f6rs f\u00f6r att fastst\u00e4lla verkligt v\u00e4rde p\u00e5 \ufb01nansiella instrument (inklu- sive de som v\u00e4rderas till verkligt v\u00e4rde via \u00f6vrigt totalresultat) p\u00e5verkade eget kapital negativt med -47 mn euro (-121 mn euro). Upplysningar om k\u00e4nslighetsanalysen f\u00f6r verkliga v\u00e4rden p\u00e5 \ufb01nansiella instrument med betydande icke-observerbara indata \ufb01nns i tabellen \u201dV\u00e4rderingsmetoder och indata som anv\u00e4nds vid v\u00e4rderingen till verkligt v\u00e4rde i niv\u00e5 3\u201d i den h\u00e4r noten. Os\u00e4kerhet i uppskattningar uppst\u00e5r \u00e4ven vid f\u00f6rsta redo- visningstillf\u00e4llet f\u00f6r \ufb01nansiella instrument som utg\u00f6r en del av st\u00f6rre strukturella transaktioner. \u00c4ven om den efterf\u00f6ljande v\u00e4rderingen inte \u00e4r till verkligt v\u00e4rde redovisas dessa instru- ment vid anskaffningstillf\u00e4llet till verkligt v\u00e4rde och d\u00e5 det normalt inte \ufb01nns n\u00e5got separat transaktionspris eller n\u00e5gon aktiv marknad f\u00f6r dylika individuella instrument m\u00e5ste det verkliga v\u00e4rdet estimeras . Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar  En viktig bed\u00f6mning i samband med redovisning av kassafl\u00f6- dess\u00e4kringar \u00e4r valet av metod f\u00f6r att testa effektiviteten. De s\u00e4kringsinstrument som anv\u00e4nds n\u00e4r Nordea till\u00e4mpar  kassafl\u00f6dess\u00e4kring \u00e4r huvudsakligen valutar\u00e4nteswappar,  vilka alltid redovisas till verkligt v\u00e4rde. Valutakomponenten  hanteras som en kassafl\u00f6dess\u00e4kring av valutarisk och r\u00e4nte- komponenten som en verklig v\u00e4rdes\u00e4kring av r\u00e4nterisk. Vid  m\u00e4tningen av effektiviteten i dessa kassafl\u00f6dess\u00e4kringar  anv\u00e4nds den hypotetiska derivatmetoden, vilket inneb\u00e4r att  f\u00f6r\u00e4ndringen i en perfekt hypotetisk swap anses motsvara  nuv\u00e4rdet av den ackumulerade f\u00f6r\u00e4ndringen i f\u00f6rv\u00e4ntade  framtida kassafl\u00f6den f\u00f6r den s\u00e4krade transaktionen (valuta- komponenten). Fastst\u00e4llandet av egenskaper f\u00f6r den perfekta  hypotetiska swappen kr\u00e4ver kritiska bed\u00f6mningar Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar Ledningen m\u00e5ste g\u00f6ra kritiska bed\u00f6mningar och uppskatt- ningar vid ber\u00e4kningen av reserveringar f\u00f6r os\u00e4kra l\u00e5neford- ringar. Nordeas samlade utl\u00e5ning, f\u00f6re reserveringar f\u00f6r os\u00e4k- ra l\u00e5nefordringar, uppgick till 352 874 mn euro (349 648 mn euro) vid \u00e5rets slut. F\u00f6r att ber\u00e4kna reserver f\u00f6r individuellt betydande os\u00e4kra fordringar g\u00f6rs bed\u00f6mningar f\u00f6r att uppskatta beloppet och tidpunkten f\u00f6r de f\u00f6rv\u00e4ntade kassafl\u00f6dena fr\u00e5n kunderna enligt olika scenarier, inklusive v\u00e4rdering av eventuella s\u00e4ker- heter som erh\u00e5llits. Bed\u00f6mningar g\u00f6rs ocks\u00e5 f\u00f6r att komma fram till sannolikheten f\u00f6r att de olika scenarierna intr\u00e4ffar. Bed\u00f6mningar g\u00f6rs f\u00f6r att v\u00e4rdera n\u00e4r en exponering har resulterat i en betydande \u00f6kning av kreditrisken. N\u00e4r s\u00e5 \u00e4r fallet ska reserveringen spegla f\u00f6rv\u00e4ntade kreditf\u00f6rluster under den \u00e5terst\u00e5ende l\u00f6ptiden, till skillnad fr\u00e5n exponeringar vars kredi- trisk inte har \u00f6kat markant d\u00e4r reserveringen avser f\u00f6rv\u00e4ntade kreditf\u00f6rluster under de kommande 12 m\u00e5naderna. Bed\u00f6mning- ar g\u00f6rs ocks\u00e5 vid valet av modeller som anv\u00e4nder andra para- metrar vid ber\u00e4kning av f\u00f6rv\u00e4ntade kreditf\u00f6rluster, till exempel den f\u00f6rv\u00e4ntade l\u00f6ptiden som anv\u00e4nds i kategori 2, samt vid bed\u00f6mningen av huruvida parametrarna som anv\u00e4nder histo- riska data \u00e4r relevanta f\u00f6r uppskattning av framtida f\u00f6rluster. De statistiska modeller som anv\u00e4nds f\u00f6r att ber\u00e4kna reser- veringarna baseras p\u00e5 makroekonomiska scenarier, vilket kr\u00e4- ver att ledningen g\u00f6r bed\u00f6mningar n\u00e4r de tar fram s\u00e5dana scenarier och anger sannolikheten f\u00f6r att de olika scenarierna intr\u00e4ffar. Bed\u00f6mningar g\u00f6rs ocks\u00e5 f\u00f6r att komma fram till i vil- ken utstr\u00e4ckning parametrarna f\u00f6r de olika scenarierna, som baserats p\u00e5 historiska data, \u00e4r relevanta f\u00f6r uppskattning av framtida f\u00f6rluster. Justeringar g\u00f6rs av de modellber\u00e4knade avs\u00e4ttningarna om de historiska uppgifterna inte i tillr\u00e4cklig utstr\u00e4ckning speglar ledningens syn p\u00e5 de f\u00f6rv\u00e4ntade kredit- f\u00f6rlusterna. Uppskattningen av modelljusteringar i efterhand kr\u00e4ver att ledningen g\u00f6r kritiska bed\u00f6mningar. F\u00f6r information om kritiska bed\u00f6mningar vid uppr\u00e4ttandet av denna \u00e5rsredovisningen till f\u00f6ljd av os\u00e4kerhet kring hur h\u00f6gre energi- och r\u00e5varupriser och l\u00e4gre privatkonsumtion i olika sektorer p\u00e5 l\u00e5ng sikt kan komma att p\u00e5verka Nordeas redovisning, se not K1 \u201dRedovisningsprinciper\u201d. Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar Vid v\u00e4rderingen av f\u00f6rs\u00e4kringsskulder anv\u00e4nds b\u00e5de \ufb01nan- siella och aktuariella uppskattningar och antaganden. Ett vik- tigt \ufb01nansiellt antagande \u00e4r den r\u00e4nta som anv\u00e4nds f\u00f6r att diskontera framtida kassafl\u00f6den. Viktiga aktuariella antagan- den \u00e4r de om d\u00f6dlighet och invaliditet, som p\u00e5verkar storle- ken p\u00e5 och tidpunkten f\u00f6r de framtida kassafl\u00f6dena. De \ufb01nansiella och aktuariella antagandena \u00e4r till stor del f\u00f6re- skrivna i l\u00e4ndernas lagstiftning och kan inte p\u00e5verkas av Nordea. \u00c4ven antaganden om framtida f\u00f6rvaltnings- och skattekostnader p\u00e5verkar ber\u00e4kningen av skulder till f\u00f6rs\u00e4kringstagare. F\u00f6rs\u00e4kringsskulderna uppgick vid \u00e5rets slut till 25 914 mn euro (17 438 mn euro). Information om det redovisade v\u00e4r- dets k\u00e4nslighet f\u00f6r olika antaganden \u00e5ter\ufb01nns nedan. Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar Pr\u00f6vning av nedskrivningsbehov f\u00f6r goodwill och andra immateriella tillg\u00e5ngar I samband med identi\ufb01eringen av kassagenererande enheter och i vilken utstr\u00e4ckning de kan l\u00e4ggas samman till grupper som pr\u00f6vas tillsammans beh\u00f6ver bed\u00f6mningar g\u00f6ras. Internt utvecklade programvaror, som \u00e4nnu inte har b\u00f6rjat skrivas av, ing\u00e5r i pr\u00f6vningen av nedskrivningsbehovet och allokeras till kassagenererande enheter. Nordeas samlade goodwill uppgick till 2 262 mn euro (1 975 mn euro) vid \u00e5rets slut. V\u00e4rdet p\u00e5 pro- gramvaror som \u00e4nnu inte b\u00f6rjat skrivas av uppgick till 414 mn euro (446 mn euro) vid \u00e5rets slut. Uppskattningen av framtida kassafl\u00f6den och ber\u00e4kningen av diskonteringsr\u00e4ntan f\u00f6r dessa kassafl\u00f6den \u00e4r f\u00f6renade med os\u00e4- kerhet i uppskattningarna. Uppskattningen av framtida kassafl\u00f6- den p\u00e5verkas mycket av kassafl\u00f6desprognoserna f\u00f6r de n\u00e4rmas- te \u00e5ren (normalt 3\u20135 \u00e5r) och av den uppskattade tillv\u00e4xttakten f\u00f6r sektorn efter 3\u20135 \u00e5r. Tillv\u00e4xttakten baseras p\u00e5 historiska data som uppdateras f\u00f6r att spegla den aktuella situationen, vilket ger upphov till os\u00e4kerhet i uppskattningarna. \u00c4ven vid uppskattning av l\u00e5ngsiktig tillv\u00e4xttakt kr\u00e4vs att kritiska bed\u00f6mningar g\u00f6rs. Framr\u00e4knade kassafl\u00f6den diskonteras med en r\u00e4nta baserad p\u00e5 den l\u00e5ngfristiga riskfria r\u00e4ntan plus en riskpremie. Avskrivningstid f\u00f6r kapitaliserad programvara Internt utvecklade programvaror kapitaliseras och skrivs av under programvarans nyttjandeperiod. Eftersom IT-milj\u00f6n f\u00f6r- \u00e4ndras snabbt g\u00f6r ledningen bed\u00f6mningar f\u00f6r att uppskatta programvarans nyttjandeperiod, vilket p\u00e5verkar det \u00e5rliga avskrivningsbeloppet. H\u00f6gre energi- och r\u00e5varupriser och l\u00e4gre privatkonsumtion F\u00f6r information om kritiska bed\u00f6mningar som gjorts vid upp- r\u00e4ttandet av denna \u00e5rsredovisning, till f\u00f6ljd av os\u00e4kerhet kring hur h\u00f6gre energi- och r\u00e5varupriser och l\u00e4gre privatkonsumtion i olika sektorer p\u00e5 l\u00e5ng sikt kan komma att p\u00e5verka Nordeas redovisning, se not K1 \u201dRedovisningsprinciper\u201d Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar F\u00f6rvaltningsfastigheter v\u00e4rderas till verkligt v\u00e4rde. Eftersom det normalt inte \ufb01nns n\u00e5gra aktiva marknader f\u00f6r f\u00f6rvalt- ningsfastigheter estimeras verkligt v\u00e4rde med hj\u00e4lp av modeller baserade p\u00e5 diskonterade kassafl\u00f6den. Dessa modeller bygger p\u00e5 antaganden om framtida hyror, bel\u00e4gg- ning, drifts- och underh\u00e5llskostnader, avkastningskrav och r\u00e4nteniv\u00e5er. Det redovisade v\u00e4rdet p\u00e5 f\u00f6rvaltningsfastigheter uppgick vid \u00e5rets slut till 3 146 mn euro (2 366 mn euro). Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar En leasetagare m\u00e5ste g\u00f6ra kritiska bed\u00f6mningar i fr\u00e5ga om f\u00f6rv\u00e4ntad leasingperiod genom att ta h\u00e4nsyn till alla fakta och omst\u00e4ndigheter som inneb\u00e4r ett ekonomiskt incitament att utnyttja r\u00e4tten att f\u00f6rl\u00e4nga eller avsluta avtalet. Den f\u00f6r- v\u00e4ntade leasingperioden f\u00f6r avtal utan slutdatum bed\u00f6ms p\u00e5 samma s\u00e4tt. Bed\u00f6mningen av avtal som g\u00e4ller bankkontor grundas p\u00e5 begr\u00e4nsningsregler f\u00f6r genomsnittlig f\u00f6rv\u00e4ntad l\u00f6ptid f\u00f6r olika typer av fastighetsavtal. En mer detaljerad analys g\u00f6rs f\u00f6r mer betydande avtal. Huvudkontorsavtal bed\u00f6ms vara mera l\u00e5ngfristiga till sin natur \u00e4n bankkontoren, vars aff\u00e4rsomgivning f\u00f6r\u00e4ndras i en snabbare takt. Begr\u00e4ns- ningsregeln f\u00f6r bankkontor begr\u00e4nsar f\u00f6r tillf\u00e4llet l\u00f6ptiden f\u00f6r kontrakt utan slutdatum och kontrakt med f\u00f6rl\u00e4ngningsoptio- ner till 5 \u00e5r. Det \u00e4r m\u00f6jligt att avvika fr\u00e5n begr\u00e4nsningsregeln om omst\u00e4ndigheterna indikerar att Nordea kommer att stan- na kvar en l\u00e4ngre/kortare tidsperiod. Det redovisade v\u00e4rdet f\u00f6r nyttjander\u00e4tter var 1 257 mn euro (1 331 mn euro) vid \u00e5rets slut. En leasegivare m\u00e5ste g\u00f6ra kritiska bed\u00f6mningar vid klas- si\ufb01ceringen av leasingavtal. Ett leasingavtal klassi\ufb01ceras som \ufb01nansiell leasing om avtalet inneb\u00e4r att i stort sett alla risker och r\u00e4ttigheter f\u00f6rknippade med \u00e4gandet \u00f6verf\u00f6rs. Ett lea- singavtal klassi\ufb01ceras som operationellt om avtalet inte inne- b\u00e4r att i stort sett alla risker och r\u00e4ttigheter f\u00f6rknippade med \u00e4gandet \u00f6verf\u00f6rs. Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar Inom ramen f\u00f6r den normala aff\u00e4rsverksamheten \u00e4r Nordea f\u00f6rem\u00e5l f\u00f6r ett antal krav i civilr\u00e4ttsliga st\u00e4mningar och tvister, varav de flesta r\u00f6r relativt begr\u00e4nsade belopp, samt eventu- ella b\u00f6tesf\u00f6rel\u00e4gganden till f\u00f6ljd av exempelvis tidigare svaga processer och rutiner f\u00f6r bek\u00e4mpning av penningtv\u00e4tt (anti- money laundering, AML). Ingen av de p\u00e5g\u00e5ende tvisterna bed\u00f6ms f\u00f6r n\u00e4rvarande komma att medf\u00f6ra n\u00e5gon v\u00e4sentlig negativ effekt p\u00e5 Nordea eller dess \ufb01nansiella st\u00e4llning. Som tidigare meddelats r\u00e4knar Nordea med b\u00f6ter i Danmark f\u00f6r tidigare svaga AML-processer och rutiner, och en avs\u00e4ttning har gjorts f\u00f6r p\u00e5g\u00e5ende penningtv\u00e4tts\u00e4renden. Nordea kan inte utesluta risken f\u00f6r b\u00f6ter som skulle kunna p\u00e5verka bankens \ufb01nansiella resultat. Vissa av dessa utredningar skulle ocks\u00e5 kunna leda till st\u00e4mningar. Se \u00e4ven not K11 \u201dRisk- och likviditetshantering\u201d, avsnitt 6 \u201dRegelefterlevnadsrisk\u201d, och not K7.1 \u201dEventualf\u00f6rpliktelser\u201d. Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar F\u00f6rpliktelser f\u00f6r f\u00f6rm\u00e5nsbest\u00e4mda pensioner framr\u00e4knas f\u00f6r de st\u00f6rre pensionsplanerna av externa aktuarier med hj\u00e4lp av demogra\ufb01ska antaganden baserade p\u00e5 aktuella befolknings- data. Ber\u00e4kningarna baseras p\u00e5 ett antal aktuariella och \ufb01nansiella parametrar. Uppskattningen av diskonteringsr\u00e4ntan \u00e4r f\u00f6renad med os\u00e4kerhet om huruvida marknaden f\u00f6r f\u00f6retagsobligationer \u00e4r tillr\u00e4ckligt djup och h\u00e5ller h\u00f6g kvalitet. Os\u00e4kerhet \ufb01nns \u00e4ven kring extrapoleringen av r\u00e4ntekurvor f\u00f6r relevanta l\u00f6pti- der. Andra parametrar, s\u00e5som antaganden om l\u00f6ne\u00f6kningar och inflation, baseras p\u00e5 den f\u00f6rv\u00e4ntade l\u00e5ngsiktiga utveck- lingen f\u00f6r dessa parametrar och \u00e4r ocks\u00e5 f\u00f6renade med os\u00e4- kerhet i uppskattningarna. De viktigaste parametrarna som anv\u00e4ndes vid \u00e5rsskiftet redovisas tillsammans med en beskrivning av k\u00e4nsligheten f\u00f6r f\u00f6r\u00e4ndringar i antagandena. F\u00f6rpliktelser f\u00f6r f\u00f6rm\u00e5nsbest\u00e4mda pensioner uppgick vid \u00e5rets slut till 2 910 mn euro (3 801 mn euro). Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar En avg\u00f6rande faktor vid bed\u00f6mningen av om Nordea ut\u00f6var ett best\u00e4mmande inflytande \u00f6ver ett annat f\u00f6retag \u00e4r huru- vida Nordea \u00e4r exponerat f\u00f6r volatilitet i avkastningen fr\u00e5n investeringen. F\u00f6r strukturerade f\u00f6retag d\u00e4r r\u00f6str\u00e4tten inte \u00e4r den avg\u00f6rande faktorn vid best\u00e4mning av best\u00e4mmande inflytande, m\u00e5ste kritiska bed\u00f6mningar g\u00f6ras f\u00f6r att fastst\u00e4lla n\u00e4r Nordea \u00e4r exponerat f\u00f6r betydande volatilitet i avkast- ningen. Nordeas kritiska bed\u00f6mning \u00e4r att Nordea normalt \u00e4r exponerat f\u00f6r volatilitet i avkastningen n\u00e4r Nordea erh\u00e5ller mer \u00e4n 30 procent av den avkastning som det strukturerade f\u00f6retaget genererar. Detta g\u00e4ller endast strukturerade f\u00f6retag om Nordea ocks\u00e5 \u00e4r kapitalf\u00f6rvaltare och d\u00e4rmed har infly- tande \u00f6ver den avkastning som genereras av det strukture- rade f\u00f6retaget. Ytterligare en bed\u00f6mning avseende best\u00e4mmande infly- tande \u00e4r om Nordea \u00e4r en agent eller huvudman. F\u00f6r fondf\u00f6r- s\u00e4kringar och andra kontrakt d\u00e4r f\u00f6rs\u00e4kringstagaren/ins\u00e4tta- ren best\u00e4mmer b\u00e5de belopp och vilka tillg\u00e5ngar som Nordea ska investera i, anses Nordea vara agent och d\u00e4rmed inte ha best\u00e4mmande inflytande. En bed\u00f6mning m\u00e5ste \u00e4ven g\u00f6ras f\u00f6r att avg\u00f6ra om ett betydande innehav av r\u00f6str\u00e4tterna i ett bolag, som dock \u00e4r mindre \u00e4n ett majoritetsinnehav, ger Nordea faktisk kontroll (s\u00e5 kallad de facto-kontroll), och likas\u00e5 i vilken utstr\u00e4ckning potentiella r\u00f6str\u00e4tter ska tas i beaktande vid bed\u00f6mningen. Den nuvarande bed\u00f6mningen \u00e4r att Nordea inte har faktisk kontroll \u00f6ver n\u00e5gra enheter d\u00e4r r\u00f6str\u00e4tterna understiger 50 procent . Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar Vid v\u00e4rderingen av f\u00f6rs\u00e4kringsskulder anv\u00e4nds b\u00e5de \ufb01nansiel- la och aktuariella uppskattningar och antaganden. Ett viktigt \ufb01nansiellt antagande \u00e4r den r\u00e4nta som anv\u00e4nds f\u00f6r att diskon- tera framtida kassafl\u00f6den. Viktiga aktuariella antaganden \u00e4r de om d\u00f6dlighet och invaliditet, som p\u00e5verkar storleken p\u00e5 och tidpunkten f\u00f6r de framtida kassafl\u00f6dena. \u00c4ven antaganden om framtida f\u00f6rvaltnings- och skattekostnader p\u00e5verkar ber\u00e4k- ningen av skulder till f\u00f6rs\u00e4kringstagare . ",
   "dimensions": {
    "concept": "ifrs-full:ExplanationOfAssumptionAboutFutureWithSignificantRiskOfResultingInMaterialAdjustments",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-30": {
   "value": "Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar F\u00f6r att uppr\u00e4tta \u00e5rsredovisning i enlighet med god redovis- ningssed m\u00e5ste ledningen i vissa fall anv\u00e4nda sig av bed\u00f6m- ningar och uppskattningar. Det faktiska utfallet kan senare i viss m\u00e5n avvika fr\u00e5n de uppskattningar och antaganden som gjorts. S\u00e5dana bed\u00f6mningar och uppskattningar beskrivs under \u201dKritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar\u201d i ber\u00f6rda noter, med uppgift om bland annat: \u2022  de k\u00e4llor till os\u00e4kerhet i uppskattningar vid rapportperio- dens slut som inneb\u00e4r en betydande risk f\u00f6r en v\u00e4sentlig jus- tering av de redovisade v\u00e4rdena f\u00f6r tillg\u00e5ngar och skulder under n\u00e4stkommande r\u00e4kenskaps\u00e5r, och \u2022  de bed\u00f6mningar vid till\u00e4mpningen av redovisningsprinciper (ut\u00f6ver de som g\u00e4ller uppskattningar) som har st\u00f6rst inver- kan p\u00e5 de redovisade beloppen. Kritiska bed\u00f6mningar och uppskattningar \u00e4r fr\u00e4mst h\u00e4nf\u00f6rliga till: \u2022  R\u00e4ntenetto (not K2.2) \u2022  Nettoresultat av poster till verkligt v\u00e4rde (not K2.4) \u2022  Verkligt v\u00e4rde (not K3.4) \u2022  Klassi\ufb01cering och v\u00e4rdering (not K3.3) \u2022  Redovisning och bortbokning i balansr\u00e4kningen (not K3.1) \u2022  Pr\u00f6vning av nedskrivningsbehovet f\u00f6r: -  Immateriella tillg\u00e5ngar (not K5.1) -  Utl\u00e5ning (not K3.7) \u2022  Bed\u00f6mning av nyttjandeperiod f\u00f6r immateriella tillg\u00e5ngar (not K5.1) \u2022  S\u00e4kringsredovisning (not K3.6) \u2022  Pensioner (not K8.2) \u2022  F\u00f6rs\u00e4kringsavtal (not K4) \u2022  F\u00f6rvaltningsfastigheter (not K5.3) \u2022  Leasing (not K5.4) \u2022  Konsoliderade f\u00f6retag (not K9.1) \u2022  Skatter (not K2.10) \u2022  Avs\u00e4ttningar (not K6) Nordea har anv\u00e4nt sig av kritiska bed\u00f6mningar vid uppr\u00e4ttan- det av denna \u00e5rsredovisning till f\u00f6ljd av os\u00e4kerheten ifr\u00e5ga om de potentiella l\u00e5ngsiktiga effekter som h\u00f6gre energi- och r\u00e5va- rupriser samt minskad privatkonsumtion inom flera branscher kan f\u00e5 p\u00e5 Nordeas redovisning. S\u00e4rskilt viktiga omr\u00e5den under 2022 var pr\u00f6vning av nedskrivningsbehovet f\u00f6r goodwill och utl\u00e5ning till allm\u00e4nheten/kreditinstitut. F\u00f6r goodwill identi\ufb01erades inget nedskrivningsbehov under 2022, men det \ufb01nns os\u00e4kerhet i uppskattningarna av hur Nordeas redovisning p\u00e5verkas p\u00e5 l\u00e5ng sikt. Nya bed\u00f6mningar av nedskrivningsbehovet kommer att g\u00f6ras fortl\u00f6pande. Nordeas samlade goodwill uppgick till 2 262 mn euro vid utg\u00e5ngen av 2022 och till 1 975 mn euro vid utg\u00e5ngen av 2021. Prognoserna str\u00e4cker sig fram till utg\u00e5ngen av 2025 och f\u00f6r de efterf\u00f6ljande perioderna anv\u00e4ndes det l\u00e5ngsiktiga tillv\u00e4xtanta- gandet. F\u00f6r mer information om pr\u00f6vning av nedskrivningsbe- hov f\u00f6r goodwill, se not K5.1 \u201dImmateriella tillg\u00e5ngar\u201d. Kritiska bed\u00f6mningar har ocks\u00e5 anv\u00e4nts i bed\u00f6mningen av n\u00e4r l\u00e5n omfattats av kraftigt \u00f6kad kreditrisk (enligt kategoriin- delningen) och f\u00f6r makroscenarier vid uppskattning av \u00f6kning- en i f\u00f6rv\u00e4ntade kreditf\u00f6rluster. Vid ber\u00e4kningen av individuella avs\u00e4ttningar f\u00f6r betydande os\u00e4kra l\u00e5nefordringar anv\u00e4ndes kritiska bed\u00f6mningar f\u00f6r att uppskatta belopp och tidslinje f\u00f6r de f\u00f6rv\u00e4ntade kassafl\u00f6dena fr\u00e5n kunder enligt olika scenarier, och f\u00f6r att v\u00e4rdera eventuellt erh\u00e5llna s\u00e4kerheter. Vidare anv\u00e4ndes kritiska bed\u00f6mningar f\u00f6r att fastst\u00e4lla sannolikheten f\u00f6r att de olika scenarierna skulle intr\u00e4ffa. Mer information om pr\u00f6vning av nedskrivningsbehovet f\u00f6r utl\u00e5ning till allm\u00e4nhe- ten/kreditinstitut \ufb01nns i avsnittet \u201dKreditf\u00f6rluster och liknande nettoresultat\u201d p\u00e5 sidan 40, i not K3.7 \u201dUtl\u00e5ning\u201d och under \u201d\u00d6vrig information\u201d p\u00e5 sidan 46. Information om k\u00e4nsligheten f\u00f6r rating- och scoringf\u00f6r\u00e4ndringar \ufb01nns i avsnittet \u201dK\u00e4nslighe- ter\u201d i not K11 \u201dRisk- och likviditetshantering\u201d . Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar Nordeas kritiska bed\u00f6mning \u00e4r att en eventuell f\u00f6r\u00e4ndring i r\u00e4ntan p\u00e5 uppl\u00e5ning via ECB:s riktade l\u00e5ngfristiga re\ufb01nansie- ringsprogram (TLTRO), fr\u00e5n det att gr\u00e4nsv\u00e4rdena f\u00f6r utl\u00e5ning har uppn\u00e5tts, ska betraktas som en f\u00f6r\u00e4ndring i en r\u00f6rlig r\u00e4nta och redovisas som en s\u00e5dan enligt IFRS 9. Den effekt som uppst\u00e5r genom att gr\u00e4nsv\u00e4rdena f\u00f6r utl\u00e5ning uppn\u00e5s redovisas d\u00e4rmed under \u201dR\u00e4ntenetto\u201d n\u00e4r det med tillr\u00e4cklig s\u00e4kerhet g\u00e5r att fastst\u00e4lla att gr\u00e4nsv\u00e4rdena kommer att uppn\u00e5s. Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar Os\u00e4kerhet i uppskattningar \ufb01nns i samband med v\u00e4rdering av  \ufb01nansiella instrument, framf\u00f6r allt f\u00f6r instrument som saknar  noterade kurser och nyligen observerade marknadskurser  (instrument i niv\u00e5 3). Se not K3.4 \u201dVerkligt v\u00e4rde\u201d Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar Skattepositioner granskas regelbundet f\u00f6r att identi\ufb01era fall d\u00e4r ber\u00f6rda skattemyndigheter sannolikt inte godk\u00e4nner behandlingen i skattedeklarationen. Os\u00e4kra skattepositioner beaktas var f\u00f6r sig eller som grupp, beroende p\u00e5 vilken metod som b\u00e4st f\u00f6rutser utfallet av os\u00e4kerheten. Vid en bed\u00f6mning att skattemyndigheten sannolikt inte godtar en skattem\u00e4ssig behandling, tar Nordea h\u00e4nsyn till effekten av os\u00e4kerheten n\u00e4r beskattningsbart resultat, skattem\u00e4ssigt v\u00e4rde, outnyttjade skattem\u00e4ssiga f\u00f6rluster, outnyttjade skat- tekrediter eller skattesatser fastst\u00e4lls. Detta g\u00f6rs genom att anv\u00e4nda antingen det mest sannolika beloppet eller det f\u00f6r- v\u00e4ntade v\u00e4rdet, beroende p\u00e5 vilken metod som b\u00e4st f\u00f6rutser utfallet av os\u00e4kerheten. Os\u00e4ker skattem\u00e4ssig behandling kan p\u00e5verka b\u00e5de aktuell skatt och uppskjuten skatt. V\u00e4rderingen av uppskjutna skattefordringar p\u00e5verkas av ledningens bed\u00f6mning av Nordeas framtida resultat och till- r\u00e4ckligheten av framtida beskattningsbara vinster och fram- tida \u00e5terf\u00f6ringar av be\ufb01ntliga beskattningsbara tempor\u00e4ra skillnader. Dessa bed\u00f6mningar uppdateras och ses \u00f6ver vid varje bokslutstillf\u00e4lle, och justeras om s\u00e5 beh\u00f6vs f\u00f6r att avspegla den nuvarande situationen. Det redovisade v\u00e4rdet p\u00e5 uppskjutna skattefordringar upp- gick vid \u00e5rets slut till 165 mn euro (218 mn euro). Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar  L\u00e5n och andra \ufb01nansiella tillg\u00e5ngar d\u00e4r kassafl\u00f6dena har jus- terats, eller som ing\u00e5r i en rekonstruktion, bokas bort fr\u00e5n  balansr\u00e4kningen, och ett nytt l\u00e5n redovisas om villkoren f\u00f6r  det nya l\u00e5net v\u00e4sentligen skiljer sig fr\u00e5n de tidigare villkoren.  Nordea anv\u00e4nder sig av bed\u00f6mningar f\u00f6r att avg\u00f6ra om vill- koren f\u00f6r det nya l\u00e5net v\u00e4sentligen skiljer sig fr\u00e5n de tidigare  villkoren. Som framg\u00e5r av avsnittet \u201dRedovisningsprinciper\u201d  ovan, bed\u00f6ms villkoren v\u00e4sentligen skilja sig fr\u00e5n de tidigare  om nuv\u00e4rdet av kassafl\u00f6det fr\u00e5n det nya l\u00e5net, diskonterat  med den ursprungliga r\u00e4ntan, avviker med mer \u00e4n 10 procent  fr\u00e5n nuv\u00e4rdet av det \u00e5terst\u00e5ende f\u00f6rv\u00e4ntade kassafl\u00f6det fr\u00e5n  det gamla l\u00e5net eller om det justerade kassafl\u00f6det endast  utg\u00f6rs av betalning av kapitalbelopp och r\u00e4nta (SPPI), medan  detta inte var fallet f\u00f6r det ursprungliga kassafl\u00f6det och vice  versa. Det redovisade v\u00e4rdet f\u00f6r l\u00e5n, r\u00e4nteb\u00e4rande v\u00e4rdepap- per och pantsatta \ufb01nansiella instrument p\u00e5 tillg\u00e5ngssidan i  balansr\u00e4kningen uppg\u00e5r till 419 627 mn euro (412 493 mn  euro). Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar Nordea klassi\ufb01cerar \ufb01nansiella tillg\u00e5ngar utifr\u00e5n den aff\u00e4rsmo- dell som anv\u00e4nds f\u00f6r tillg\u00e5ngarna. N\u00e4r aff\u00e4rsmodellen f\u00f6r obliga- tioner i likviditetsbufferten ska fastst\u00e4llas anv\u00e4nder sig Nordea av kritiska bed\u00f6mningar. Obligationerna i likviditetsbufferten delas in i tre portf\u00f6ljer. Nordea har f\u00f6r den f\u00f6rsta portf\u00f6ljen fastst\u00e4llt att aff\u00e4rsmodellen \u00e4r att beh\u00e5lla obligationerna och inkassera avtal- senliga kassafl\u00f6den samt att s\u00e4lja \ufb01nansiella tillg\u00e5ngar. F\u00f6r den andra portf\u00f6ljen har Nordea fastst\u00e4llt att aff\u00e4rsmodellen \u00e4r att f\u00f6rvalta obligationerna med m\u00e5let att realisera kassafl\u00f6den genom att s\u00e4lja tillg\u00e5ngar. F\u00f6r den tredje portf\u00f6ljen har Nordea fastst\u00e4llt att aff\u00e4rsmodellen \u00e4r att beh\u00e5lla obligationerna och inkassera avtalsenliga kassafl\u00f6den. Obligationerna i den f\u00f6rsta portf\u00f6ljen v\u00e4rderas till verkligt v\u00e4rde via \u00f6vrigt totalresultat, obli- gationerna i den andra portf\u00f6ljen v\u00e4rderas till verkligt v\u00e4rde via resultatr\u00e4kningen och den tredje portf\u00f6ljen v\u00e4rderas till upplupet anskaffningsv\u00e4rde. V\u00e4rdet p\u00e5 r\u00e4nteb\u00e4rande v\u00e4rdepapper, inklu- sive pantsatta \ufb01nansiella instrument i likviditetsbufferten, som v\u00e4rderas till verkligt v\u00e4rde via \u00f6vrigt totalresultat (f\u00f6rsta portf\u00f6l- jen), verkligt v\u00e4rde via resultatr\u00e4kningen (andra portf\u00f6ljen) och upplupet anskaffningsv\u00e4rde (tredje portf\u00f6ljen) uppgick vid \u00e5rets slut till 32 495 mn euro (33 972 mn euro), 24 078 mn euro (23 548 mn euro) respektive 41 mn euro (88 mn euro). Nordea klassi\ufb01cerar ocks\u00e5 \ufb01nansiella tillg\u00e5ngar utifr\u00e5n huru- vida avtalsvillkoren f\u00f6r de \ufb01nansiella tillg\u00e5ngarna ger upphov till kassafl\u00f6den som uteslutande utg\u00f6rs av betalning av kapitalbe- lopp och r\u00e4nta p\u00e5 utest\u00e5ende kapitalbelopp (SPPI, solely pay- ment of principal and interest). Vissa l\u00e5neavtal hos Nordea inne- fattar villkor som kopplar samman avtalsenliga kassafl\u00f6den med kundernas uppfyllelse av ESG-m\u00e5l (m\u00e5l avseende milj\u00f6, socialt ansvar och bolagsstyrning). Vid \u00e5rets slut uppgick det redovisade v\u00e4rdet p\u00e5 dessa h\u00e5llbarhetsl\u00e4nkade l\u00e5n till 6 775 mn euro (2 098 mn euro). Nordea anser att dessa l\u00e5n uppfyller SPPI-kra- ven i fr\u00e5ga om att m\u00e5len \u00e4r kundspeci\ufb01ka. Nordeas bed\u00f6mning \u00e4r f\u00f6ljaktligen att f\u00f6r\u00e4ndringen i avtalsenliga kassafl\u00f6den beror p\u00e5 den f\u00f6r\u00e4ndrade kreditrisken till f\u00f6ljd av att kunden uppfyllt, eller inte uppfyllt, ett ESG-m\u00e5l. Nordea klassi\ufb01cerar emitterade eviga efterst\u00e4llda instru- ment som antingen \ufb01nansiella skulder eller eget kapital. Nordea g\u00f6r bed\u00f6mningar f\u00f6r att fastst\u00e4lla om instrumentet innefattar ett krav p\u00e5 r\u00e4ntebetalning, beroende p\u00e5 om en fram- tida os\u00e4ker h\u00e4ndelse bortom b\u00e5de emittentens och innehava- rens kontroll intr\u00e4ffar eller inte intr\u00e4ffar Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar Kritiska bed\u00f6mningar med betydande inverkan p\u00e5 redovisade belopp f\u00f6r \ufb01nansiella instrument g\u00f6rs i samband med fast- st\u00e4llande av verkligt v\u00e4rde p\u00e5 OTC-derivat och andra \ufb01nan- siella instrument som saknar noterade kurser eller nyligen observerade marknadskurser, s\u00e5som onoterade aktier. Bed\u00f6mningarna omfattar f\u00f6ljande: \u2022  Val av v\u00e4rderingsmetoder. \u2022  Bed\u00f6mning av n\u00e4r noterade kurser inte motsvarar verkligt v\u00e4rde (bland annat bed\u00f6mning av om marknaden \u00e4r aktiv). \u2022  Ber\u00e4kning av justeringar till verkligt v\u00e4rde f\u00f6r att beakta rel- evanta riskfaktorer s\u00e5som kreditrisk, modellrisk och likviditetsrisk. \u2022  Bed\u00f6mning av vilka marknadsparametrar som kan observeras. De kritiska bed\u00f6mningarna som kr\u00e4vs vid fastst\u00e4llandet av verkligt v\u00e4rde p\u00e5 \ufb01nansiella instrument som saknar noterade kurser eller nyligen observerade marknadskurser medf\u00f6r ocks\u00e5 en h\u00f6g grad av os\u00e4kerhet i uppskattningarna. I samtliga fall baseras besluten p\u00e5 en professionell bed\u00f6m- ning i enlighet med Nordeas redovisnings- och v\u00e4rderings- principer. Det verkliga v\u00e4rdet p\u00e5 \ufb01nansiella tillg\u00e5ngar och skulder v\u00e4rderade med hj\u00e4lp av en v\u00e4rderingsmetod, niv\u00e5 2 och 3 i v\u00e4rderingshierarkin, uppgick till 158 546 mn euro (157 336 mn euro) respektive 118 626 mn euro (112 568 mn euro) vid \u00e5rets slut. V\u00e4rderingsjusteringar (CVA, DVA, FFVA, NFVA, k\u00f6p/s\u00e4lj-justeringar, modellriskjusteringar och juste- ringar f\u00f6r variationer i oberoende priskontroller) som g\u00f6rs f\u00f6r att fastst\u00e4lla verkligt v\u00e4rde p\u00e5 \ufb01nansiella instrument (inklu- sive de som v\u00e4rderas till verkligt v\u00e4rde via \u00f6vrigt totalresultat) p\u00e5verkade eget kapital negativt med -47 mn euro (-121 mn euro). Upplysningar om k\u00e4nslighetsanalysen f\u00f6r verkliga v\u00e4rden p\u00e5 \ufb01nansiella instrument med betydande icke-observerbara indata \ufb01nns i tabellen \u201dV\u00e4rderingsmetoder och indata som anv\u00e4nds vid v\u00e4rderingen till verkligt v\u00e4rde i niv\u00e5 3\u201d i den h\u00e4r noten. Os\u00e4kerhet i uppskattningar uppst\u00e5r \u00e4ven vid f\u00f6rsta redo- visningstillf\u00e4llet f\u00f6r \ufb01nansiella instrument som utg\u00f6r en del av st\u00f6rre strukturella transaktioner. \u00c4ven om den efterf\u00f6ljande v\u00e4rderingen inte \u00e4r till verkligt v\u00e4rde redovisas dessa instru- ment vid anskaffningstillf\u00e4llet till verkligt v\u00e4rde och d\u00e5 det normalt inte \ufb01nns n\u00e5got separat transaktionspris eller n\u00e5gon aktiv marknad f\u00f6r dylika individuella instrument m\u00e5ste det verkliga v\u00e4rdet estimeras . Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar  En viktig bed\u00f6mning i samband med redovisning av kassafl\u00f6- dess\u00e4kringar \u00e4r valet av metod f\u00f6r att testa effektiviteten. De s\u00e4kringsinstrument som anv\u00e4nds n\u00e4r Nordea till\u00e4mpar  kassafl\u00f6dess\u00e4kring \u00e4r huvudsakligen valutar\u00e4nteswappar,  vilka alltid redovisas till verkligt v\u00e4rde. Valutakomponenten  hanteras som en kassafl\u00f6dess\u00e4kring av valutarisk och r\u00e4nte- komponenten som en verklig v\u00e4rdes\u00e4kring av r\u00e4nterisk. Vid  m\u00e4tningen av effektiviteten i dessa kassafl\u00f6dess\u00e4kringar  anv\u00e4nds den hypotetiska derivatmetoden, vilket inneb\u00e4r att  f\u00f6r\u00e4ndringen i en perfekt hypotetisk swap anses motsvara  nuv\u00e4rdet av den ackumulerade f\u00f6r\u00e4ndringen i f\u00f6rv\u00e4ntade  framtida kassafl\u00f6den f\u00f6r den s\u00e4krade transaktionen (valuta- komponenten). Fastst\u00e4llandet av egenskaper f\u00f6r den perfekta  hypotetiska swappen kr\u00e4ver kritiska bed\u00f6mningar . Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar Ledningen m\u00e5ste g\u00f6ra kritiska bed\u00f6mningar och uppskatt- ningar vid ber\u00e4kningen av reserveringar f\u00f6r os\u00e4kra l\u00e5neford- ringar. Nordeas samlade utl\u00e5ning, f\u00f6re reserveringar f\u00f6r os\u00e4k- ra l\u00e5nefordringar, uppgick till 352 874 mn euro (349 648 mn euro) vid \u00e5rets slut. F\u00f6r att ber\u00e4kna reserver f\u00f6r individuellt betydande os\u00e4kra fordringar g\u00f6rs bed\u00f6mningar f\u00f6r att uppskatta beloppet och tidpunkten f\u00f6r de f\u00f6rv\u00e4ntade kassafl\u00f6dena fr\u00e5n kunderna enligt olika scenarier, inklusive v\u00e4rdering av eventuella s\u00e4ker- heter som erh\u00e5llits. Bed\u00f6mningar g\u00f6rs ocks\u00e5 f\u00f6r att komma fram till sannolikheten f\u00f6r att de olika scenarierna intr\u00e4ffar. Bed\u00f6mningar g\u00f6rs f\u00f6r att v\u00e4rdera n\u00e4r en exponering har resulterat i en betydande \u00f6kning av kreditrisken. N\u00e4r s\u00e5 \u00e4r fallet ska reserveringen spegla f\u00f6rv\u00e4ntade kreditf\u00f6rluster under den \u00e5terst\u00e5ende l\u00f6ptiden, till skillnad fr\u00e5n exponeringar vars kredi- trisk inte har \u00f6kat markant d\u00e4r reserveringen avser f\u00f6rv\u00e4ntade kreditf\u00f6rluster under de kommande 12 m\u00e5naderna. Bed\u00f6mning- ar g\u00f6rs ocks\u00e5 vid valet av modeller som anv\u00e4nder andra para- metrar vid ber\u00e4kning av f\u00f6rv\u00e4ntade kreditf\u00f6rluster, till exempel den f\u00f6rv\u00e4ntade l\u00f6ptiden som anv\u00e4nds i kategori 2, samt vid bed\u00f6mningen av huruvida parametrarna som anv\u00e4nder histo- riska data \u00e4r relevanta f\u00f6r uppskattning av framtida f\u00f6rluster. De statistiska modeller som anv\u00e4nds f\u00f6r att ber\u00e4kna reser- veringarna baseras p\u00e5 makroekonomiska scenarier, vilket kr\u00e4- ver att ledningen g\u00f6r bed\u00f6mningar n\u00e4r de tar fram s\u00e5dana scenarier och anger sannolikheten f\u00f6r att de olika scenarierna intr\u00e4ffar. Bed\u00f6mningar g\u00f6rs ocks\u00e5 f\u00f6r att komma fram till i vil- ken utstr\u00e4ckning parametrarna f\u00f6r de olika scenarierna, som baserats p\u00e5 historiska data, \u00e4r relevanta f\u00f6r uppskattning av framtida f\u00f6rluster. Justeringar g\u00f6rs av de modellber\u00e4knade avs\u00e4ttningarna om de historiska uppgifterna inte i tillr\u00e4cklig utstr\u00e4ckning speglar ledningens syn p\u00e5 de f\u00f6rv\u00e4ntade kredit- f\u00f6rlusterna. Uppskattningen av modelljusteringar i efterhand kr\u00e4ver att ledningen g\u00f6r kritiska bed\u00f6mningar. F\u00f6r information om kritiska bed\u00f6mningar vid uppr\u00e4ttandet av denna \u00e5rsredovisningen till f\u00f6ljd av os\u00e4kerhet kring hur h\u00f6gre energi- och r\u00e5varupriser och l\u00e4gre privatkonsumtion i olika sektorer p\u00e5 l\u00e5ng sikt kan komma att p\u00e5verka Nordeas redovisning, se not K1 \u201dRedovisningsprinciper\u201d. Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar  Vid v\u00e4rderingen av f\u00f6rs\u00e4kringsskulder anv\u00e4nds b\u00e5de \ufb01nan- siella och aktuariella uppskattningar och antaganden. Ett vik- tigt \ufb01nansiellt antagande \u00e4r den r\u00e4nta som anv\u00e4nds f\u00f6r att  diskontera framtida kassafl\u00f6den. Viktiga aktuariella antagan- den \u00e4r de om d\u00f6dlighet och invaliditet, som p\u00e5verkar storle- ken p\u00e5 och tidpunkten f\u00f6r de framtida kassafl\u00f6dena. De  \ufb01nansiella och aktuariella antagandena \u00e4r till stor del f\u00f6re- skrivna i l\u00e4ndernas lagstiftning och kan inte p\u00e5verkas av  Nordea. \u00c4ven antaganden om framtida f\u00f6rvaltnings- och  skattekostnader p\u00e5verkar ber\u00e4kningen av skulder till  f\u00f6rs\u00e4kringstagare. F\u00f6rs\u00e4kringsskulderna uppgick vid \u00e5rets slut till 25 914 mn  euro (17 438 mn euro). Information om det redovisade v\u00e4r- dets k\u00e4nslighet f\u00f6r olika antaganden \u00e5ter\ufb01nns nedan. Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar Pr\u00f6vning av nedskrivningsbehov f\u00f6r goodwill och andra immateriella tillg\u00e5ngar I samband med identi\ufb01eringen av kassagenererande enheter och i vilken utstr\u00e4ckning de kan l\u00e4ggas samman till grupper som pr\u00f6vas tillsammans beh\u00f6ver bed\u00f6mningar g\u00f6ras. Internt utvecklade programvaror, som \u00e4nnu inte har b\u00f6rjat skrivas av, ing\u00e5r i pr\u00f6vningen av nedskrivningsbehovet och allokeras till kassagenererande enheter. Nordeas samlade goodwill uppgick till 2 262 mn euro (1 975 mn euro) vid \u00e5rets slut. V\u00e4rdet p\u00e5 pro- gramvaror som \u00e4nnu inte b\u00f6rjat skrivas av uppgick till 414 mn euro (446 mn euro) vid \u00e5rets slut. Uppskattningen av framtida kassafl\u00f6den och ber\u00e4kningen av diskonteringsr\u00e4ntan f\u00f6r dessa kassafl\u00f6den \u00e4r f\u00f6renade med os\u00e4- kerhet i uppskattningarna. Uppskattningen av framtida kassafl\u00f6- den p\u00e5verkas mycket av kassafl\u00f6desprognoserna f\u00f6r de n\u00e4rmas- te \u00e5ren (normalt 3\u20135 \u00e5r) och av den uppskattade tillv\u00e4xttakten f\u00f6r sektorn efter 3\u20135 \u00e5r. Tillv\u00e4xttakten baseras p\u00e5 historiska data som uppdateras f\u00f6r att spegla den aktuella situationen, vilket ger upphov till os\u00e4kerhet i uppskattningarna. \u00c4ven vid uppskattning av l\u00e5ngsiktig tillv\u00e4xttakt kr\u00e4vs att kritiska bed\u00f6mningar g\u00f6rs. Framr\u00e4knade kassafl\u00f6den diskonteras med en r\u00e4nta baserad p\u00e5 den l\u00e5ngfristiga riskfria r\u00e4ntan plus en riskpremie. Avskrivningstid f\u00f6r kapitaliserad programvara Internt utvecklade programvaror kapitaliseras och skrivs av under programvarans nyttjandeperiod. Eftersom IT-milj\u00f6n f\u00f6r- \u00e4ndras snabbt g\u00f6r ledningen bed\u00f6mningar f\u00f6r att uppskatta programvarans nyttjandeperiod, vilket p\u00e5verkar det \u00e5rliga avskrivningsbeloppet. H\u00f6gre energi- och r\u00e5varupriser och l\u00e4gre privatkonsumtion F\u00f6r information om kritiska bed\u00f6mningar som gjorts vid upp- r\u00e4ttandet av denna \u00e5rsredovisning, till f\u00f6ljd av os\u00e4kerhet kring hur h\u00f6gre energi- och r\u00e5varupriser och l\u00e4gre privatkonsumtion i olika sektorer p\u00e5 l\u00e5ng sikt kan komma att p\u00e5verka Nordeas redovisning, se not K1 \u201dRedovisningsprinciper\u201d . Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar F\u00f6rvaltningsfastigheter v\u00e4rderas till verkligt v\u00e4rde. Eftersom det normalt inte \ufb01nns n\u00e5gra aktiva marknader f\u00f6r f\u00f6rvalt- ningsfastigheter estimeras verkligt v\u00e4rde med hj\u00e4lp av modeller baserade p\u00e5 diskonterade kassafl\u00f6den. Dessa modeller bygger p\u00e5 antaganden om framtida hyror, bel\u00e4gg- ning, drifts- och underh\u00e5llskostnader, avkastningskrav och r\u00e4nteniv\u00e5er. Det redovisade v\u00e4rdet p\u00e5 f\u00f6rvaltningsfastigheter uppgick vid \u00e5rets slut till 3 146 mn euro (2 366 mn euro). Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar En leasetagare m\u00e5ste g\u00f6ra kritiska bed\u00f6mningar i fr\u00e5ga om f\u00f6rv\u00e4ntad leasingperiod genom att ta h\u00e4nsyn till alla fakta och omst\u00e4ndigheter som inneb\u00e4r ett ekonomiskt incitament att utnyttja r\u00e4tten att f\u00f6rl\u00e4nga eller avsluta avtalet. Den f\u00f6r- v\u00e4ntade leasingperioden f\u00f6r avtal utan slutdatum bed\u00f6ms p\u00e5 samma s\u00e4tt. Bed\u00f6mningen av avtal som g\u00e4ller bankkontor grundas p\u00e5 begr\u00e4nsningsregler f\u00f6r genomsnittlig f\u00f6rv\u00e4ntad l\u00f6ptid f\u00f6r olika typer av fastighetsavtal. En mer detaljerad analys g\u00f6rs f\u00f6r mer betydande avtal. Huvudkontorsavtal bed\u00f6ms vara mera l\u00e5ngfristiga till sin natur \u00e4n bankkontoren, vars aff\u00e4rsomgivning f\u00f6r\u00e4ndras i en snabbare takt. Begr\u00e4ns- ningsregeln f\u00f6r bankkontor begr\u00e4nsar f\u00f6r tillf\u00e4llet l\u00f6ptiden f\u00f6r kontrakt utan slutdatum och kontrakt med f\u00f6rl\u00e4ngningsoptio- ner till 5 \u00e5r. Det \u00e4r m\u00f6jligt att avvika fr\u00e5n begr\u00e4nsningsregeln om omst\u00e4ndigheterna indikerar att Nordea kommer att stan- na kvar en l\u00e4ngre/kortare tidsperiod. Det redovisade v\u00e4rdet f\u00f6r nyttjander\u00e4tter var 1 257 mn euro (1 331 mn euro) vid \u00e5rets slut. En leasegivare m\u00e5ste g\u00f6ra kritiska bed\u00f6mningar vid klas- si\ufb01ceringen av leasingavtal. Ett leasingavtal klassi\ufb01ceras som \ufb01nansiell leasing om avtalet inneb\u00e4r att i stort sett alla risker och r\u00e4ttigheter f\u00f6rknippade med \u00e4gandet \u00f6verf\u00f6rs. Ett lea- singavtal klassi\ufb01ceras som operationellt om avtalet inte inne- b\u00e4r att i stort sett alla risker och r\u00e4ttigheter f\u00f6rknippade med \u00e4gandet \u00f6verf\u00f6rs. Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar Inom ramen f\u00f6r den normala aff\u00e4rsverksamheten \u00e4r Nordea f\u00f6rem\u00e5l f\u00f6r ett antal krav i civilr\u00e4ttsliga st\u00e4mningar och tvister, varav de flesta r\u00f6r relativt begr\u00e4nsade belopp, samt eventu- ella b\u00f6tesf\u00f6rel\u00e4gganden till f\u00f6ljd av exempelvis tidigare svaga processer och rutiner f\u00f6r bek\u00e4mpning av penningtv\u00e4tt (anti- money laundering, AML). Ingen av de p\u00e5g\u00e5ende tvisterna bed\u00f6ms f\u00f6r n\u00e4rvarande komma att medf\u00f6ra n\u00e5gon v\u00e4sentlig negativ effekt p\u00e5 Nordea eller dess \ufb01nansiella st\u00e4llning. Som tidigare meddelats r\u00e4knar Nordea med b\u00f6ter i Danmark f\u00f6r tidigare svaga AML-processer och rutiner, och en avs\u00e4ttning har gjorts f\u00f6r p\u00e5g\u00e5ende penningtv\u00e4tts\u00e4renden. Nordea kan inte utesluta risken f\u00f6r b\u00f6ter som skulle kunna p\u00e5verka bankens \ufb01nansiella resultat. Vissa av dessa utredningar skulle ocks\u00e5 kunna leda till st\u00e4mningar. Se \u00e4ven not K11 \u201dRisk- och likviditetshantering\u201d, avsnitt 6 \u201dRegelefterlevnadsrisk\u201d, och not K7.1 \u201dEventualf\u00f6rpliktelser\u201d. Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar F\u00f6rpliktelser f\u00f6r f\u00f6rm\u00e5nsbest\u00e4mda pensioner framr\u00e4knas f\u00f6r de st\u00f6rre pensionsplanerna av externa aktuarier med hj\u00e4lp av demogra\ufb01ska antaganden baserade p\u00e5 aktuella befolknings- data. Ber\u00e4kningarna baseras p\u00e5 ett antal aktuariella och \ufb01nansiella parametrar. Uppskattningen av diskonteringsr\u00e4ntan \u00e4r f\u00f6renad med os\u00e4kerhet om huruvida marknaden f\u00f6r f\u00f6retagsobligationer \u00e4r tillr\u00e4ckligt djup och h\u00e5ller h\u00f6g kvalitet. Os\u00e4kerhet \ufb01nns \u00e4ven kring extrapoleringen av r\u00e4ntekurvor f\u00f6r relevanta l\u00f6pti- der. Andra parametrar, s\u00e5som antaganden om l\u00f6ne\u00f6kningar och inflation, baseras p\u00e5 den f\u00f6rv\u00e4ntade l\u00e5ngsiktiga utveck- lingen f\u00f6r dessa parametrar och \u00e4r ocks\u00e5 f\u00f6renade med os\u00e4- kerhet i uppskattningarna. De viktigaste parametrarna som anv\u00e4ndes vid \u00e5rsskiftet redovisas tillsammans med en beskrivning av k\u00e4nsligheten f\u00f6r f\u00f6r\u00e4ndringar i antagandena. F\u00f6rpliktelser f\u00f6r f\u00f6rm\u00e5nsbest\u00e4mda pensioner uppgick vid \u00e5rets slut till 2 910 mn euro (3 801 mn euro). Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar En avg\u00f6rande faktor vid bed\u00f6mningen av om Nordea ut\u00f6var ett best\u00e4mmande inflytande \u00f6ver ett annat f\u00f6retag \u00e4r huru- vida Nordea \u00e4r exponerat f\u00f6r volatilitet i avkastningen fr\u00e5n investeringen. F\u00f6r strukturerade f\u00f6retag d\u00e4r r\u00f6str\u00e4tten inte \u00e4r den avg\u00f6rande faktorn vid best\u00e4mning av best\u00e4mmande inflytande, m\u00e5ste kritiska bed\u00f6mningar g\u00f6ras f\u00f6r att fastst\u00e4lla n\u00e4r Nordea \u00e4r exponerat f\u00f6r betydande volatilitet i avkast- ningen. Nordeas kritiska bed\u00f6mning \u00e4r att Nordea normalt \u00e4r exponerat f\u00f6r volatilitet i avkastningen n\u00e4r Nordea erh\u00e5ller mer \u00e4n 30 procent av den avkastning som det strukturerade f\u00f6retaget genererar. Detta g\u00e4ller endast strukturerade f\u00f6retag om Nordea ocks\u00e5 \u00e4r kapitalf\u00f6rvaltare och d\u00e4rmed har infly- tande \u00f6ver den avkastning som genereras av det strukture- rade f\u00f6retaget. Ytterligare en bed\u00f6mning avseende best\u00e4mmande infly- tande \u00e4r om Nordea \u00e4r en agent eller huvudman. F\u00f6r fondf\u00f6r- s\u00e4kringar och andra kontrakt d\u00e4r f\u00f6rs\u00e4kringstagaren/ins\u00e4tta- ren best\u00e4mmer b\u00e5de belopp och vilka tillg\u00e5ngar som Nordea ska investera i, anses Nordea vara agent och d\u00e4rmed inte ha best\u00e4mmande inflytande. En bed\u00f6mning m\u00e5ste \u00e4ven g\u00f6ras f\u00f6r att avg\u00f6ra om ett betydande innehav av r\u00f6str\u00e4tterna i ett bolag, som dock \u00e4r mindre \u00e4n ett majoritetsinnehav, ger Nordea faktisk kontroll (s\u00e5 kallad de facto-kontroll), och likas\u00e5 i vilken utstr\u00e4ckning potentiella r\u00f6str\u00e4tter ska tas i beaktande vid bed\u00f6mningen. Den nuvarande bed\u00f6mningen \u00e4r att Nordea inte har faktisk kontroll \u00f6ver n\u00e5gra enheter d\u00e4r r\u00f6str\u00e4tterna understiger 50 procent . Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar Vid v\u00e4rderingen av f\u00f6rs\u00e4kringsskulder anv\u00e4nds b\u00e5de \ufb01nansiel- la och aktuariella uppskattningar och antaganden. Ett viktigt \ufb01nansiellt antagande \u00e4r den r\u00e4nta som anv\u00e4nds f\u00f6r att diskon- tera framtida kassafl\u00f6den. Viktiga aktuariella antaganden \u00e4r de om d\u00f6dlighet och invaliditet, som p\u00e5verkar storleken p\u00e5 och tidpunkten f\u00f6r de framtida kassafl\u00f6dena. \u00c4ven antaganden om framtida f\u00f6rvaltnings- och skattekostnader p\u00e5verkar ber\u00e4k- ningen av skulder till f\u00f6rs\u00e4kringstagare ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccountingJudgementsAndEstimatesExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-550": {
   "value": "Omr\u00e4kning a<span class=\"__8 _310\"/>v tillg\u00e5ngar och skulder i utl\u00e4ndsk val<span class=\"__8 _310\"/>uta<span class=\"__8 _331\"> </span>En enhets (koncern<span class=\"__8 _310\"/>f\u00f6ret<span class=\"__8 _310\"/>ag eller \ufb01lial) funk<span class=\"__8 _310\"/>tionella valuta f<span class=\"__8 _310\"/>ast<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>st\u00e4lls utifr<span class=\"__8 _310\"/>\u00e5n den ekonomiska milj\u00f6 i vilken enhet<span class=\"__8 _310\"/>en prim\u00e4rt bedriver sin verksamhet. Utl\u00e4ndsk valuta de\ufb01nier<span class=\"__8 _310\"/>as som annan valuta \u00e4n enhetens f<span class=\"__8 _310\"/>unktionella v<span class=\"__8 _310\"/>aluta. <span class=\"__8 _312\"/>T<span class=\"__8 _312\"/>ransaktioner i utl\u00e4ndsk valuta r<span class=\"__8 _310\"/>edovisas till transak<span class=\"__8 _310\"/>tionsdagens kurs. Monet\u00e4ra till<span class=\"__8 _310\"/>g\u00e5ng<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>ar och skulder i utl\u00e4ndsk val<span class=\"__8 _310\"/>uta omr\u00e4knas till balansdagens kurs. V<span class=\"__8 _312\"/><span class=\"__8 _331\">alutakursdifferens</span><span class=\"__8 _310\"/>er som uppkommer vid reglering a<span class=\"__8 _310\"/>v trans<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>aktioner till k<span class=\"__8 _310\"/>urser som avvik<span class=\"__8 _310\"/>er fr\u00e5n dem p\u00e5 tr<span class=\"__8 _310\"/>ansaktionsdagen, liksom orealiserade omr<span class=\"__8 _310\"/><span class=\"__8 _331\">\u00e4kningsdiff</span><span class=\"__8 _310\"/>erenser p\u00e5 ej regler<span class=\"__8 _310\"/>ade mone<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>t\u00e4ra tillg\u00e5ngar och skulder i utl\u00e4ndsk v<span class=\"__8 _310\"/>aluta, redo<span class=\"__8 _310\"/>visas i resulta<span class=\"__8 _310\"/>t<span class=\"ls0_8\">-<span class=\"__8 _331\"> </span></span>r\u00e4kningen under \u201dNettore<span class=\"__8 _310\"/>sultat a<span class=\"__8 _310\"/>v post<span class=\"__8 _310\"/>er till verkligt v\u00e4rde\u201d<span class=\"__8 _a_7\"/>. V<span class=\"__8 _312\"/><span class=\"__8 _331\">alutakursdifferens</span><span class=\"__8 _310\"/>er som h\u00e4rr\u00f6r fr<span class=\"__8 _310\"/>\u00e5n interna, l\u00e5ngf<span class=\"__8 _310\"/>ristiga for<span class=\"__8 _310\"/>dringar p\u00e5 eller skulder till utl\u00e4ndska verksamhet<span class=\"__8 _310\"/>er d\u00e4r n\u00e5gon betalning varken planer<span class=\"__8 _310\"/>as eller sannolikt k<span class=\"__8 _310\"/>ommer att ske i fr<span class=\"__8 _310\"/>amtiden (i prak<span class=\"__8 _312\"/>tiken, en del av Nordeas nettoin<span class=\"__8 _310\"/>vestering i den utl\u00e4ndska verksamheten) redo<span class=\"__8 _310\"/>visas under \u00d6vrigt totalr<span class=\"__8 _310\"/>e-<span class=\"__8 _331\"> </span>sultat och omklassi\ufb01c<span class=\"__8 _310\"/>eras fr<span class=\"__8 _310\"/>\u00e5n eget kapital till resulta<span class=\"__8 _310\"/>tr\u00e4kning-<span class=\"__8 _331\"> </span>en n\u00e4r netto <span class=\"__8 _11f_1\"/>inves<span class=\"__8 _310\"/>teringen a<span class=\"__8 _310\"/>vyttras. F<span class=\"__8 _310\"/>\u00f6r omr\u00e4kning a<span class=\"__8 _310\"/>v de utl\u00e4ndska f\u00f6r<span class=\"__8 _310\"/>etagens och \ufb01lialernas \ufb01nansiella rapporter<span class=\"__8 _312\"/>, se not K9.2 \u201dV<span class=\"__8 _312\"/>alutaomr\u00e4kning av utl\u00e4ndska f<span class=\"__8 _312\"/>\u00f6retag/\ufb01lialer<span class=\"__8 _e_7\"/>\u201d<span class=\"__8 _a_7\"/>.<span class=\"__8 _331\"> </span>V<span class=\"__8 _312\"/>alutakurser<span class=\"__8 _331\"> </span>Jan\u2013dec 2022<span class=\"__8 _a8_1\"> </span>Jan\u2013<span class=\"__8 _311\"/>dec 2021<span class=\"__8 _331\"> </span>EUR 1 = svenska kronor<span class=\"__8 _331\"> </span>Resulta<span class=\"__8 _310\"/>tr\u00e4kning (genomsnitt)<span class=\"__8 _3a_3\"> </span>10,627<span class=\"__8 _312\"/>4<span class=\"__8 _c9_1\"> </span>10,1<span class=\"__8 _310\"/>460<span class=\"__8 _331\"> </span>Balansr\u00e4kning (vid periodens slut)<span class=\"__8 _7d_1\"> </span>11,<span class=\"__8 _312\"/>1202<span class=\"__8 _e8_1\"> </span>10,2913<span class=\"__8 _331\"> </span>EUR 1 = danska kronor<span class=\"__8 _331\"> </span>Resulta<span class=\"__8 _310\"/>tr\u00e4kning (genomsnitt)<span class=\"__8 _343\"> </span>7<span class=\"__8 _312\"/>,4395<span class=\"__8 _d8_1\"> </span>7,4370<span class=\"__8 _331\"> </span>Balansr\u00e4kning (vid periodens slut)<span class=\"__8 _337\"> </span>7<span class=\"__8 _310\"/>,4365<span class=\"__8 _b2_1\"> </span>7<span class=\"__8 _312\"/>,4364<span class=\"__8 _331\"> </span>EUR 1 = norska kronor<span class=\"__8 _331\"> </span>Resulta<span class=\"__8 _310\"/>tr\u00e4kning (genomsnitt)<span class=\"__8 _344\"> </span>10,<span class=\"__8 _312\"/>102<span class=\"__8 _311\"/>3<span class=\"__8 _e8_1\"> </span>10,<span class=\"__8 _312\"/>1655<span class=\"__8 _331\"> </span>Balansr\u00e4kning (vid periodens slut)<span class=\"__8 _f0_1\"> </span>10,5180<span class=\"__8 _c9_1\"> </span>10,0185<span class=\"__8 _331\"> </span>RUB 1 = ryska rubel<span class=\"__8 _331\"> </span>Resulta<span class=\"__8 _310\"/>tr\u00e4kning (genomsnitt)<span class=\"__8 _345\"> </span>73,9902<span class=\"__8 _346\"> </span>87<span class=\"__8 _312\"/>,<span class=\"__8 _310\"/>1828<span class=\"__8 _331\"> </span>Balansr\u00e4kning (vid periodens slut)<span class=\"__8 _334\"> </span>78,5146<span class=\"__8 _a9_1\"> </span>85,0140<span class=\"__8 _331\"> </span>K2.4 <span class=\"__9 _b6_2\"> </span> <span class=\"__9 _b7_2\"/>Summa nettoresul<span class=\"__9 _413\"/>tat a<span class=\"__9 _413\"/>v poster till v<span class=\"__9 _413\"/>erkligt v\u00e4rde<span class=\"__9 _356\"> </span>Redovsningsprinciper<span class=\"__9 _356\"> </span> Nettoresul<span class=\"__9 _413\"/>tat av post<span class=\"__9 _413\"/>er till verkligt v\u00e4rde<span class=\"__9 _356\"> </span>Realiserade och or<span class=\"__9 _413\"/>ealiserade vinster och f<span class=\"__9 _348\"/>\u00f6rluster p\u00e5 \ufb01nansiella<span class=\"__9 _356\"> </span> instrument och f<span class=\"__9 _413\"/>\u00f6rvaltningsfastighet<span class=\"__9 _413\"/>er v\u00e4rderade till verkligt<span class=\"__9 _356\"> </span> v\u00e4rde r<span class=\"__9 _348\"/>edovisas normalt under \u201dNettor<span class=\"__9 _413\"/>esultat av pos<span class=\"__9 _413\"/>ter till verkligt<span class=\"__9 _a_8\"/> v\u00e4rde\u201d<span class=\"__9 _357\"/>. F\u00f6r in<span class=\"__9 _413\"/>formation om de redovisningsprinciper som an<span class=\"__9 _413\"/>v\u00e4nds<span class=\"__9 _a_8\"/> vid ber\u00e4kning a<span class=\"__9 _413\"/>v verkligt v\u00e4rde, se not K3.4 \u201dV<span class=\"__9 _413\"/>erkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span> Dessutom ing\u00e5r f<span class=\"__9 _348\"/>\u00f6ljande poster i \u201dNettor<span class=\"__9 _413\"/>esultat av pos<span class=\"__9 _413\"/>ter till<span class=\"__9 _356\"> </span> verkligt v\u00e4r<span class=\"__9 _348\"/>de\u201d:<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter och r\u00e4n<span class=\"__9 _413\"/>tekostnader<span class=\"__9 _413\"/>, h\u00e4nf<span class=\"__9 _413\"/>\u00f6rliga till \ufb01nansierin<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span></span>gen av v<span class=\"__9 _413\"/>erksamheten inom Markets och Life &amp; Pension (sam<span class=\"__9 _413\"/>t<span class=\"__9 _356\"> </span> en portf\u00f6lj med r\u00e4n<span class=\"__9 _413\"/>teb\u00e4rande v\u00e4rdepapper i Lif<span class=\"__9 _413\"/>e &amp; Pension)<span class=\"__9 _356\"> </span> v\u00e4rder<span class=\"__9 _413\"/><span class=\"__9 _356\">ade till upplupet anskaffningsv\u00e4rde.<span class=\"__9 _356\"> </span></span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">Realiserade vins<span class=\"__9 _413\"/>ter/f\u00f6rl<span class=\"__9 _348\"/>uster p\u00e5 tillg\u00e5ngar och sk<span class=\"__9 _348\"/>ulder<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>v\u00e4rder<span class=\"__9 _413\"/><span class=\"__9 _356\">ade till upplupet anskaffningsv\u00e4rde.<span class=\"__9 _356\"> </span></span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\"> Omv\u00e4r<span class=\"__9 _348\"/>deringen av s\u00e4kr<span class=\"__9 _413\"/>ade risker i s\u00e4krade poster i<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>s\u00e4kringsredovisningen.<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span>V<span class=\"__9 _413\"/>alutakursf\u00f6r<span class=\"__9 _413\"/>\u00e4ndringar<span class=\"__9 _356\"> </span> \u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">F\u00f6r<span class=\"__9 _413\"/>\u00e4ndringar i skulder till f\u00f6rs\u00e4kringstagare och riskr<span class=\"__9 _348\"/>esultat<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>fr\u00e5n f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsavtal inom Life &amp; P<span class=\"__9 _413\"/>ension redovisas enligt<span class=\"__9 _356\"> </span> IFRS 4 (se ytterligare in<span class=\"__9 _413\"/>formation nedan).<span class=\"__9 _356\"> </span>F\u00f6ljande pos<span class=\"__9 _413\"/>ter ing\u00e5r inte i \u201dNettoresul<span class=\"__9 _348\"/>tat a<span class=\"__9 _413\"/>v poster till verkligt<span class=\"__9 _356\"> </span> v\u00e4rde\u201d:<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">R\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat som an<span class=\"__9 _413\"/>v\u00e4nds f\u00f6r s\u00e4kringsredo<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span></span>visning och ekonomiska s\u00e4kringar<span class=\"__9 _413\"/>. Dessa komponen<span class=\"__9 _348\"/>ter<span class=\"__9 _356\"> </span> redovisas under \u201dR\u00e4n<span class=\"__9 _413\"/>tenetto\u201d f\u00f6r att s\u00e4k<span class=\"__9 _348\"/>erst\u00e4lla redovis<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>ningsm\u00e4ssig \u00f6verenss<span class=\"__9 _413\"/>t\u00e4mmelse med de s\u00e4krade posterna.<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">F\u00f6rlus<span class=\"__9 _413\"/>ter fr\u00e5n motpartsrisk p\u00e5 utl\u00e5ning i portf\u00f6ljer som h\u00e5lls<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>till f\u00f6rf<span class=\"__9 _348\"/>all och obligatorisk<span class=\"__9 _413\"/>t v\u00e4rderas till verkligt v<span class=\"__9 _348\"/>\u00e4rde (uppf<span class=\"__9 _413\"/><span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>yller inte krit<span class=\"__9 _413\"/>eriet att kassafl\u00f6det enbart ska utg\u00f6ras av bet<span class=\"__9 _348\"/>al<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>ning av kapit<span class=\"__9 _348\"/>albelopp och r\u00e4n<span class=\"__9 _348\"/>ta) redovisas under den separ<span class=\"__9 _413\"/>at<span class=\"__9 _356\"> </span> posten \u201dNettor<span class=\"__9 _413\"/>esultat av utl\u00e5ning i portf<span class=\"__9 _348\"/>\u00f6ljer som h\u00e5lls till f\u00f6r<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>fall och obliga<span class=\"__9 _348\"/>toriskt v<span class=\"__9 _413\"/>\u00e4rderas till verkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Int\u00e4k<span class=\"__9 _413\"/>tsredovisningen och beteckningarna f\u00f6r de pos<span class=\"__9 _413\"/>ter som<span class=\"__9 _356\"> </span> avser livf<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsverksamheten beskrivs under \u201dInt\u00e4k<span class=\"__9 _413\"/>tsredo<span class=\"__9 _a_8\"/>-<span class=\"__9 _356\"> </span>visning livf\u00f6rs\u00e4kring\u201d nedan.<span class=\"__9 _356\"> </span>F\u00f6r fler r<span class=\"__9 _413\"/>edovisningsprinciper avseende valut<span class=\"__9 _348\"/>akursf\u00f6r<span class=\"__9 _413\"/>\u00e4nd-<span class=\"__9 _356\"> </span>ringar<span class=\"__9 _413\"/>, se not K1 \u201dRedovisningsprinciper\u201d och not K9.2 \u201dV<span class=\"__9 _413\"/>aluta-<span class=\"__9 _356\"> </span>omr\u00e4kning a<span class=\"__9 _413\"/>v utl\u00e4ndska f\u00f6retag/\ufb01lialer<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>Nettoresul<span class=\"__9 _413\"/>tat av utl\u00e5ning i portf<span class=\"__9 _348\"/>\u00f6ljer som h\u00e5lls till<span class=\"__9 _356\"> </span> f\u00f6rf<span class=\"__9 _413\"/>all och obligatoriskt v\u00e4r<span class=\"__9 _413\"/>deras till verkligt v\u00e4rde<span class=\"__9 _356\"> </span>Post<span class=\"__9 _413\"/>en \u201dNettoresultat a<span class=\"__9 _413\"/>v utl\u00e5ning i por<span class=\"__9 _a_8\"/>tf\u00f6ljer som h\u00e5lls till f<span class=\"__9 _413\"/>\u00f6r-<span class=\"__9 _356\"> </span>fall och obliga<span class=\"__9 _348\"/>toriskt v<span class=\"__9 _413\"/>\u00e4rderas till verkligt v\u00e4rde\u201d inkl<span class=\"__9 _413\"/>uderar jus-<span class=\"__9 _356\"> </span>teringar till verkligt v\u00e4r<span class=\"__9 _413\"/>de av marginalkomponen<span class=\"__9 _413\"/>ten f\u00f6r l\u00e5ne-<span class=\"__9 _356\"> </span>for<span class=\"__9 _348\"/>dringar i portf\u00f6ljer d\u00e4r a<span class=\"__9 _413\"/>vsikten \u00e4r att beh\u00e5lla instrumen<span class=\"__9 _413\"/>ten<span class=\"__9 _356\"> </span> till f\u00f6rf<span class=\"__9 _348\"/>all och d\u00e4r dessa m\u00e5ste v<span class=\"__9 _413\"/>\u00e4rderas till verkligt v\u00e4rde (upp-<span class=\"__9 _356\"> </span>fyller inte SPPI-krit<span class=\"__9 _413\"/>eriet). L\u00e5nefordringarna klassi\ufb01cer<span class=\"__9 _348\"/>as i kate-<span class=\"__9 _356\"> </span>gorin \u201dFinansiella tillg\u00e5ngar v\u00e4rder<span class=\"__9 _413\"/>ade till verkligt v\u00e4rde via<span class=\"__9 _356\"> </span> resulta<span class=\"__9 _413\"/>tr\u00e4kningen\u201d och redovisas under posten \u201dUtl\u00e5ning till<span class=\"__9 _356\"> </span> allm\u00e4nheten\u201d i balansr\u00e4kningen. Jus<span class=\"__9 _348\"/>teringar till verkligt v\u00e4r<span class=\"__9 _413\"/>de<span class=\"__9 _356\"> </span> avser f<span class=\"__9 _413\"/>r\u00e4mst f\u00f6r<span class=\"__9 _413\"/>\u00e4ndringar i kreditrisk.<span class=\"__9 _356\"> </span>F\u00f6rlus<span class=\"__9 _413\"/>ter fr\u00e5n motpartsrisk i instrumen<span class=\"__9 _413\"/>t som klassi\ufb01cerats i<span class=\"__9 _356\"> </span> kategorin \u201dFinansiella tillg\u00e5ngar v<span class=\"__9 _413\"/>\u00e4rderade till verkligt v\u00e4rde<span class=\"__9 _356\"> </span>via resulta<span class=\"__9 _413\"/>tr\u00e4kningen\u201d redovisas under \u201dNettoresul<span class=\"__9 _348\"/>tat a<span class=\"__9 _413\"/>v poste<span class=\"__9 _356\"> </span>r<span class=\"__9 _356\"> </span> till verkligt v\u00e4r<span class=\"__9 _348\"/>de\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Nedskrivningar avseende ins<span class=\"__9 _413\"/>trument i andra kategorier \u00e4n<span class=\"__9 _356\"> </span> \u201dFinansiella tillg\u00e5ngar v\u00e4rder<span class=\"__9 _413\"/>ade till verkligt v\u00e4rde via resulta<span class=\"__9 _413\"/>t-<span class=\"__9 _356\"> </span>r\u00e4kningen\u201d redo<span class=\"__9 _348\"/>visas under posten \u201dKreditf<span class=\"__9 _413\"/>\u00f6rluster<span class=\"__9 _413\"/>, netto\u201d<span class=\"__9 _357\"/>. F\u00f6r<span class=\"__9 _356\"> </span> ytterligare in<span class=\"__9 _348\"/>forma<span class=\"__9 _413\"/>tion, se not K2.9 \u201dKreditf\u00f6rlus<span class=\"__9 _413\"/>ter<span class=\"__9 _425\"/>\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__9 _413\"/>ttningar<span class=\"__9 _356\"> </span>Os\u00e4kerhet i uppskattningar \ufb01nns i samband med v<span class=\"__9 _413\"/>\u00e4rdering av<span class=\"__9 _356\"> </span> \ufb01nansiella instrument, fr<span class=\"__9 _348\"/>amf<span class=\"__9 _413\"/>\u00f6r allt f\u00f6r instrumen<span class=\"__9 _413\"/>t som saknar<span class=\"__9 _356\"> </span> noter<span class=\"__9 _348\"/>ade kurser och nyligen observerade marknadsk<span class=\"__9 _413\"/>ur<span class=\"__9 _a_8\"/>ser<span class=\"__9 _356\"> </span> <span class=\"__9 _356\">(instrument i niv</span><span class=\"__9 _413\"/>\u00e5 3). Se not K3.4 \u201dV<span class=\"__9 _348\"/>erkligt v\u00e4rde\u201d<span class=\"__9 _356\"> </span><span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Summa nettoresul<span class=\"__9 _413\"/>tat av post<span class=\"__9 _348\"/>er till verkligt v\u00e4r<span class=\"__9 _348\"/>de<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _b8_1\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Nettoresulta<span class=\"__9 _413\"/>t av poster till verkligt v\u00e4r<span class=\"__9 _413\"/>de<span class=\"__9 _b9_2\"> </span>721<span class=\"__9 _2b_3\"> </span>1 119<span class=\"__9 _356\"> </span>Nettoresulta<span class=\"__9 _413\"/>t av utl\u00e5ning i portf\u00f6ljer som h\u00e5lls till<span class=\"__9 _356\"> </span> f\u00f6rfall och obliga<span class=\"__9 _413\"/>toriskt v\u00e4rderas till v<span class=\"__9 _348\"/>erkligt v\u00e4rde<span class=\"__9 _365\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _a_8\"/>3<span class=\"__9 _375\"> </span></span>83<span class=\"__9 _356\"> </span>Summa<span class=\"__9 _350\"> </span>708<span class=\"__9 _360\"> </span>1 202<span class=\"__9 _356\"> </span>F\u00f6r<span class=\"__9 _413\"/>delning efter produkt<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _b8_1\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Aktierela<span class=\"__9 _413\"/><span class=\"__9 _356\">terade instrument1</span><span class=\"__9 _ba_2\"> </span>431<span class=\"__9 _381\"> </span><span class=\"ls3_8 ws6_8\">570<span class=\"__9 _356\"> </span></span>R\u00e4nterela<span class=\"__9 _413\"/>terade instrument och<span class=\"__9 _356\"> </span> valutakursf<span class=\"__9 _413\"/><span class=\"__9 _356\">\u00f6r\u00e4ndringar2</span><span class=\"__9 _bb_2\"> </span><span class=\"ls2_8 ws5_8\">248<span class=\"__9 _381\"> </span></span>478<span class=\"__9 _356\"> </span>\u00d6vriga \ufb01nansiella instrument (inklusiv<span class=\"__9 _413\"/>e krediter<span class=\"__9 _356\"> </span> och r\u00e5<span class=\"__9 _348\"/>varor)<span class=\"__9 _bc_1\"> </span>-32<span class=\"__9 _387\"> </span><span class=\"ls3_8 ws6_8\">57<span class=\"__9 _356\"> </span></span>Nordea Life &amp; P<span class=\"__9 _413\"/><span class=\"__9 _356\">ension3<span class=\"__9 _356\"> </span></span>,<span class=\"__9 _356\"> </span><span class=\"__9 _356\">4</span><span class=\"__9 _bd_2\"> </span>61<span class=\"__9 _387\"> </span><span class=\"ls11_7 ws14_8\">97<span class=\"__9 _356\"> </span></span>Summa<span class=\"__9 _350\"> </span>708<span class=\"__9 _360\"> </span>1 202<span class=\"__9 _356\"> </span>1) Inkluderar f\u00f6rl<span class=\"__9 _348\"/>uster p\u00e5 8 mn euro fr<span class=\"__9 _413\"/>\u00e5n fondinnehav i Ryssland under 2022.<span class=\"__9 _356\"> </span>2) Inkluderar f\u00f6rl<span class=\"__9 _348\"/>ust fr\u00e5n \u00f6<span class=\"__9 _348\"/>verf\u00f6ringen a<span class=\"__9 _348\"/>v 529 mn euro i ackumulerade val<span class=\"__9 _348\"/>utakursf\u00f6rlus<span class=\"__9 _413\"/>ter<span class=\"__9 _356\"> </span> avseende verksamhet i R<span class=\"__9 _348\"/>yssland under 2022.<span class=\"__9 _356\"> </span>3)  <span class=\"__9 _c_8\"/>Interna transak<span class=\"__9 _348\"/>tioner har ej eliminerats mot andr<span class=\"__9 _348\"/>a rader i noten. Raden Nordea Lif<span class=\"__9 _413\"/>e &amp;<span class=\"__9 _356\"> </span> <span class=\"__9 _356\">Pension ger s\u00e5ledes den verkliga eff</span><span class=\"__9 _413\"/>ekten fr\u00e5n livf\u00f6rs\u00e4kringsverksamheten.<span class=\"__9 _356\"> </span> 4)   <span class=\"__9 _c_8\"/>Premieint\u00e4kter uppgick till 194 mn eur<span class=\"__9 _413\"/>o (306 mn euro).<span class=\"__9 _356\"> </span>Nettoresul<span class=\"__9 _413\"/>tat fr\u00e5n ka<span class=\"__9 _348\"/>tegorier a<span class=\"__9 _413\"/>v \ufb01nansiella instrument<span class=\"__9 _356\"> </span> Mn euro<span class=\"__9 _be_2\"> </span>2022<span class=\"__9 _e_8\"> </span>2021<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade till v<span class=\"__9 _413\"/>erkligt v\u00e4rde via<span class=\"__9 _356\"> </span> \u00f6vrigt totalr<span class=\"__9 _413\"/>esultat<span class=\"__9 _356\"> </span>-1 508<span class=\"__9 _5b_1\"> </span>-331<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar redan fr\u00e5n b\u00f6rjan v<span class=\"__9 _413\"/>\u00e4rderade<span class=\"__9 _356\"> </span> till verkligt v\u00e4rde via r<span class=\"__9 _413\"/>esultatr\u00e4kningen<span class=\"__9 _420\"> </span><span class=\"ls2_8 ws5_8\">-245<span class=\"__9 _383\"> </span><span class=\"ls4_8 ws7_8\">-4<span class=\"__9 _356\"> </span></span></span>Finansiella skulder redan fr<span class=\"__9 _413\"/>\u00e5n b\u00f6rjan v\u00e4rderade till<span class=\"__9 _356\"> </span> verkligt v\u00e4rde via r<span class=\"__9 _413\"/>esultatr\u00e4kningen<span class=\"__9 _356\"> </span>11 643<span class=\"__9 _bf_2\"> </span>-5 179<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar och skulder obligatorisk<span class=\"__9 _413\"/>t<span class=\"__9 _356\"> </span> v\u00e4rderade till v<span class=\"__9 _413\"/>erkligt v\u00e4rde via resultatr<span class=\"__9 _348\"/><span class=\"__9 _356\">\u00e4kningen1</span><span class=\"__9 _353\"> </span>-<span class=\"__9 _413\"/>16 97<span class=\"__9 _a_8\"/>3<span class=\"__9 _c0_2\"> </span>6 726<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade till uppl<span class=\"__9 _413\"/>upet<span class=\"__9 _356\"> </span> anskaffningsv\u00e4r<span class=\"__9 _413\"/><span class=\"__9 _356\">de2</span><span class=\"__9 _c1_1\"> </span>-1 941<span class=\"__9 _385\"> </span>-<span class=\"__9 _a_8\"/>403<span class=\"__9 _356\"> </span>Finansiella skulder v\u00e4rder<span class=\"__9 _413\"/>ade till upplupet<span class=\"__9 _356\"> </span> anskaffningsv\u00e4r<span class=\"__9 _413\"/><span class=\"__9 _356\">de3</span><span class=\"__9 _404\"> </span>7 546<span class=\"__9 _c2_2\"> </span>1 947<span class=\"__9 _356\"> </span>V<span class=\"__9 _413\"/>alutakursf\u00f6r\u00e4ndringar<span class=\"__9 _413\"/>, exklusiv<span class=\"__9 _348\"/>e valutas\u00e4kringar<span class=\"__9 _379\"> </span>483<span class=\"__9 _362\"> </span>208<span class=\"__9 _356\"> </span><span class=\"__9 _356\">Icke finansiella tillg\u00e5ngar och skulder4</span><span class=\"__9 _c3_1\"> </span>1 703<span class=\"__9 _bf_2\"> </span><span class=\"ls3_8 ws6_8\">-1 76<span class=\"__9 _a_8\"/>2<span class=\"__9 _356\"> </span></span>Summa<span class=\"__9 _c4_1\"> </span>708<span class=\"__9 _c2_2\"> </span>1 202<span class=\"__9 _356\"> </span>1)   <span class=\"__9 _c_8\"/>Var<span class=\"__9 _348\"/>av periodiserade dag 1<span class=\"__9 _413\"/>-resultat uppg\u00e5r till 51 mn euro (54 mn euro<span class=\"__9 _348\"/>).<span class=\"__9 _356\"> </span>2)   <span class=\"__9 _c5_2\"/>Posten innef<span class=\"__9 _413\"/>attar vinster till f\u00f6ljd a<span class=\"__9 _348\"/>v bortbokning av \ufb01nansiella tillg\u00e5ngar v\u00e4rder<span class=\"__9 _348\"/>ade till<span class=\"__9 _356\"> </span> <span class=\"__9 _356\">upplupet anskaffningsv\u00e4r</span><span class=\"__9 _413\"/><span class=\"__9 _356\">de p\u00e5 mostsvarande 3 mn euro (9 mn euro) och f</span><span class=\"__9 _348\"/>\u00f6rluster p\u00e5<span class=\"__9 _356\"> </span> <span class=\"__9 _356\">motsvarande -4 mn euro (0 mn euro</span><span class=\"__9 _413\"/>). Bor<span class=\"__9 _a_8\"/>tbokningen gjordes eftersom tillg\u00e5ngarna<span class=\"__9 _356\"> </span> hade f\u00f6rutbetalts a<span class=\"__9 _413\"/>v kunden eller s\u00e5lts. Posten innef<span class=\"__9 _348\"/>attar \u00e4v<span class=\"__9 _413\"/>en f\u00f6r\u00e4ndringar i verkligt<span class=\"__9 _356\"> </span> v\u00e4rde p\u00e5 r\u00e4n<span class=\"__9 _413\"/><span class=\"__9 _356\">tes\u00e4krade tillg\u00e5ngar v\u00e4rderade till upplupet anskaffningsv</span><span class=\"__9 _413\"/>\u00e4rde p\u00e5 motsva<span class=\"__9 _356\"> </span>-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">rande -2 052 mn euro (-552 mn euro</span><span class=\"__9 _413\"/>) och r\u00e4nta p\u00e5 instrument som v\u00e4r<span class=\"__9 _348\"/>derats till upplu<span class=\"ls0_9\">-<span class=\"__9 _356\"> </span></span><span class=\"__9 _356\">pet anskaffningsv\u00e4rde i Lif</span><span class=\"__9 _413\"/><span class=\"__9 _356\">e &amp; Pension p\u00e5 motsvarande 112 mn euro (110 mn eur</span><span class=\"__9 _348\"/>o).<span class=\"__9 _356\"> </span>3)   <span class=\"__9 _c_8\"/>Posten innefa<span class=\"__9 _413\"/>ttar huvudsakligen f\u00f6r\u00e4ndringar i verkligt v\u00e4rde p\u00e5 r\u00e4n<span class=\"__9 _413\"/>tes\u00e4krade skul<span class=\"__9 _356\"> </span>-<span class=\"__9 _356\"> </span>der v\u00e4rderade till upplupet anska<span class=\"__9 _413\"/><span class=\"__9 _356\">ffningsv\u00e4rde p\u00e5 motsvarande 7 598 mn euro<span class=\"__9 _356\"> </span></span> <span class=\"__9 _356\">(1 966 mn euro).<span class=\"__9 _356\"> </span></span>4)   <span class=\"__9 _c_8\"/>Posten innefa<span class=\"__9 _413\"/>ttar huvudsakligen f\u00f6r\u00e4ndringar i f\u00f6rs\u00e4kringstekniska a<span class=\"__9 _413\"/>vs\u00e4ttningar i<span class=\"__9 _356\"> </span> Life &amp; Pension p\u00e5 mos<span class=\"__9 _413\"/>tsvarande 1 317 mn euro (-1 004 mn euro) och f<span class=\"__9 _413\"/>\u00f6r\u00e4ndring av<span class=\"__9 _356\"> </span> \u00e5terb\u00e4ringsmedel i Life &amp; P<span class=\"__9 _413\"/>ension p\u00e5 motsvarande 306 mn euro (-1 061 mn euro)<span class=\"__9 _356\"> </span>.<span class=\"__9 _356\"> </span><div class=\"t_10 m0_10 h6_9 ff1_10 fs4_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:489.67023px;\">V<span class=\"__10 _d_9\"/>alutarisk<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:476.1411px;\">V<span class=\"__10 _d_9\"/>alutarisk \u00e4r risken att v<span class=\"__10 _471\"/>\u00e4rdet p\u00e5 ett \ufb01nansiellt instrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:462.6159px;\">varierar till f<span class=\"__10 _d_9\"/>\u00f6ljd av valutak<span class=\"__10 _d_9\"/>ur<span class=\"__10 _c_9\"/>sf\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndringar.<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:12.908623px; bottom:449.0907px;\">V<span class=\"__10 _d_9\"/>alutarisken fr\u00e5n handel begr<span class=\"__10 _d_9\"/>\u00e4nsas med hj\u00e4lp av en V<span class=\"__10 _d_9\"/>aR-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:435.5655px;\">limit. V<span class=\"__10 _471\"/>alutarisken f<span class=\"__10 _471\"/>r\u00e5n struk<span class=\"__10 _d_9\"/>turella exponeringar (enligt<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:422.04028px;\">beskrivningen nedan) begr\u00e4nsas med hj\u00e4lp a<span class=\"__10 _d_9\"/>v en f\u00f6rlustlimit<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:408.51508px;\">f\u00f6r v<span class=\"__10 _471\"/>alutakursr\u00f6r<span class=\"__10 _471\"/><span class=\"__10 _469\">elsernas eff</span><span class=\"__10 _471\"/>ekt p\u00e5 k\u00e4rnprim\u00e4rkapit<span class=\"__10 _471\"/>alrelatio-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:394.98993px;\">nen i ett allvarligt men \u00e4nd\u00e5 m\u00f6jligt s<span class=\"__10 _d_9\"/>tresscenario. Se a<span class=\"__10 _471\"/>vsnitt<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:381.46472px;\">4 \u201dMarknadsrisk\u201d i not K11 \u201dRisk<span class=\"__10 _471\"/>- och likviditetshant<span class=\"__10 _d_9\"/>ering\u201d<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:12.908623px; bottom:367.9395px;\">Nordeas utl\u00e5ning och uppl\u00e5ning kan var<span class=\"__10 _d_9\"/>a uttr<span class=\"__10 _c_9\"/>yckt i l\u00e5n<span class=\"__10 _d_9\"/>ta-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:354.4143px;\">garens eller inv<span class=\"__10 _471\"/>ester<span class=\"__10 _471\"/>arens valut<span class=\"__10 _471\"/>a. Uppl\u00e5ning, placeringar och<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:340.8891px;\">utl\u00e5ning g\u00f6rs inte alltid i samma v<span class=\"__10 _d_9\"/>aluta, vilket medf\u00f6r en val<span class=\"__10 _471\"/>u-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:327.3639px;\">tarisk f\u00f6r Nor<span class=\"__10 _d_9\"/>dea. Skillnader i exponering mot enskilda valu-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:313.83868px;\">tor som \ufb01nns mellan olika transak<span class=\"__10 _d_9\"/>tioner matchas huvudsakli-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:300.31348px;\">gen genom att ing\u00e5 valut<span class=\"__10 _471\"/>ar\u00e4n<span class=\"__10 _471\"/>teswappar<span class=\"__10 _479\"/>. V<span class=\"__10 _d_9\"/>alutakomponenten<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:286.7883px;\">hanter<span class=\"__10 _d_9\"/>as som en kassafl\u00f6dess\u00e4kring av val<span class=\"__10 _d_9\"/>utarisk och r\u00e4nte-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:273.2631px;\">komponent<span class=\"__10 _471\"/>en som en verklig v\u00e4r<span class=\"__10 _d_9\"/>des\u00e4kring av r\u00e4n<span class=\"__10 _471\"/>terisk.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:12.908623px; bottom:259.7379px;\">Dessutom \u00e4r Nordea e<span class=\"__10 _d_9\"/>xponerat f\u00f6r s<span class=\"__10 _471\"/>truktur<span class=\"__10 _471\"/>ell valutarisk<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:246.2127px;\">genom sina utl\u00e4ndska verksamheter som har en annan f<span class=\"__10 _471\"/>unk-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:232.6875px;\">tionell valuta \u00e4n Nor<span class=\"__10 _471\"/>deas rapporteringsvaluta eur<span class=\"__10 _d_9\"/>o (det vill<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:219.1623px;\">s\u00e4ga omr\u00e4kningsrisk). <span class=\"__10 _471\"/>A<span class=\"__10 _d_9\"/>vistakursr\u00f6relser f<span class=\"__10 _d_9\"/>\u00e5r Nordeas redovi-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:205.63712px;\">sade nettoinve<span class=\"__10 _471\"/>steringar i utl\u00e4ndska v<span class=\"__10 _471\"/>erksamheter att f<span class=\"__10 _d_9\"/>\u00f6r\u00e4nd-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:192.11191px;\">ras och k\u00e4rnprim\u00e4rkapitalr<span class=\"__10 _471\"/>elationen att v<span class=\"__10 _d_9\"/>ariera p\u00e5 grund av<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:178.5867px;\">bristande val<span class=\"__10 _471\"/>uta\u00f6ver<span class=\"__10 _d_9\"/>ensst\u00e4mmelse mellan eget kapital och<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:165.0615px;\">riskexponeringsbel<span class=\"__10 _471\"/>opp (REA). Nordea till\u00e4mpar s\u00e4kringsre-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:151.53632px;\">dovisning vid s\u00e4kring a<span class=\"__10 _d_9\"/>v sina investeringar i full<span class=\"__10 _471\"/>t konsolide-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:138.01111px;\">rade utl\u00e4ndska verksamhet<span class=\"__10 _471\"/>er som har en annan funk<span class=\"__10 _d_9\"/>tionell<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:124.4859px;\">valuta \u00e4n eur<span class=\"__10 _471\"/>o.<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:12.908623px; bottom:110.96069px;\">F\u00f6r s\u00e4kringsf<span class=\"__10 _d_9\"/>\u00f6rh\u00e5llanden g\u00e4llande valutarisk \u00e4r den s\u00e4k-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:97.43552px;\">rade post<span class=\"__10 _471\"/>en valutakomponen<span class=\"__10 _d_9\"/>ten. S\u00e4kringen uppn\u00e5s genom<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:83.91031px;\">att matcha deriv<span class=\"__10 _d_9\"/>atinstrumentens nominella belopp mo<span class=\"__10 _d_9\"/>t kapi-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:70.3851px;\">talbeloppet i den s\u00e4krade post<span class=\"__10 _d_9\"/>en.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:12.908623px; bottom:56.859894px;\">V<span class=\"__10 _d_9\"/>alutakomponent<span class=\"__10 _471\"/>en fas<span class=\"__10 _471\"/>tst\u00e4lls som f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringen i nuv\u00e4rdet<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:43.334717px;\">av f<span class=\"__10 _d_9\"/>ramtida kassafl\u00f6den, ber\u00e4knad med hj\u00e4lp a<span class=\"__10 _d_9\"/>v valutakurvor<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:29.80951px;\">V<span class=\"__10 _d_9\"/>alutakomponent<span class=\"__10 _471\"/>en kan identi\ufb01er<span class=\"__10 _d_9\"/>as separat och v\u00e4rder<span class=\"__10 _471\"/>as p\u00e5<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:16.284302px;\">ett tillf\u00f6rlitligt s\u00e4<span class=\"__10 _471\"/>tt, och den utg\u00f6r normalt den st\u00f6rsta delen<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:2.7591095px;\">av f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringen i verkligt v\u00e4rde eller k<span class=\"__10 _471\"/>assafl\u00f6de.<span class=\"__10 _469\"> </span></div>K9.2 <span class=\"__13 _933\"> </span> V<span class=\"__13 _906\"/>alutaomr\u00e4kning <span class=\"__13 _934\"> </span>a<span class=\"__13 _b_12\"/>v utl\u00e4ndska f<span class=\"__13 _b_12\"/>\u00f6retag/\ufb01lialer<span class=\"__13 _15e\"> </span>Redovisningsprinciper<span class=\"__13 _15e\"> </span>Koncernr<span class=\"__13 _898\"/>edovisningen uppr\u00e4<span class=\"__13 _b_12\"/>ttas i euro. Vid omr\u00e4kningen a<span class=\"__13 _898\"/>v de utl\u00e4ndska f\u00f6r<span class=\"__13 _b_12\"/>etagens och \ufb01lialernas \ufb01nansiella rapporter till euro fr<span class=\"__13 _898\"/>\u00e5n deras respek<span class=\"__13 _b_12\"/>tive funktionella v<span class=\"__13 _b_12\"/>aluta, omr\u00e4knas tillg\u00e5ngar och skulder till balansdagens kurs, medan pos<span class=\"__13 _898\"/>ter i resulta<span class=\"__13 _b_12\"/>tr\u00e4kningen och i rapporten \u00f6ver tot<span class=\"__13 _898\"/>alresulta<span class=\"__13 _b_12\"/>t omr\u00e4knas till \u00e5rets genomsnittskurs. Genomsnittskursen ber<span class=\"__13 _898\"/>\u00e4knas uti-<span class=\"__13 _15e\"> </span>fr\u00e5n dagliga v<span class=\"__13 _b_12\"/>\u00e4xelkurser dividerat med an<span class=\"__13 _b_12\"/>talet bankdagar <span class=\"__13 _15e\">under perioden. Omr\u00e4kningsdiff</span><span class=\"__13 _b_12\"/>erenser redovisas i \u00f6vrigt totalr<span class=\"__13 _898\"/>esultat och ack<span class=\"__13 _b_12\"/>umuleras i reserven f\u00f6r omr<span class=\"__13 _b_12\"/>\u00e4kning av utl\u00e4ndsk verksamhet under eget kapital.<span class=\"__13 _15e\"> </span>Goodwill och justeringar till verkligt v<span class=\"__13 _b_12\"/>\u00e4rde fr\u00e5n f<span class=\"__13 _898\"/>\u00f6rv\u00e4rv av koncern<span class=\"__13 _898\"/>f\u00f6r<span class=\"__13 _898\"/>etag hanter<span class=\"__13 _b_12\"/>as som poster i samma funk<span class=\"__13 _898\"/>tionella valuta som den kassagener<span class=\"__13 _b_12\"/>erande enheten till vilken de h\u00f6r<span class=\"__13 _b_12\"/>, och omr\u00e4knas ocks\u00e5 till balansdagens kurs. E<span class=\"__13 _898\"/>ventuell<span class=\"__13 _b_12\"/>t kvarst\u00e5ende eget kapital i utl\u00e4ndska \ufb01lialer omr\u00e4knas till balansdagens kurs, och omr<span class=\"__13 _898\"/><span class=\"__13 _15e\">\u00e4kningsdiffer</span><span class=\"__13 _b_12\"/>enser redovisas under \u00f6vrigt t<span class=\"__13 _b_12\"/>otalresultat.<span class=\"__13 _15e\"> </span>Vid avyttring a<span class=\"__13 _b_12\"/>v en utl\u00e4ndsk verksamhet omklassi\ufb01ceras det ackumulerade beloppet f<span class=\"__13 _b_12\"/><span class=\"__13 _15e\">\u00f6r valutakursdiff</span><span class=\"__13 _b_12\"/>erenser avse-<span class=\"__13 _15e\"> </span>ende den utl\u00e4ndska verksamheten \u2013 redo<span class=\"__13 _b_12\"/>visat under \u00f6vrigt totalr<span class=\"__13 _898\"/>esultat och ack<span class=\"__13 _b_12\"/>umulerat i reserven f<span class=\"__13 _898\"/>\u00f6r omr\u00e4kning a<span class=\"__13 _b_12\"/>v utl\u00e4ndsk verksamhet under eget kapital \u2013 fr<span class=\"__13 _b_12\"/>\u00e5n eget kapital till resulta<span class=\"__13 _b_12\"/>tr\u00e4kningen i samband med att vinsten eller f<span class=\"__13 _b_12\"/>\u00f6rlus-<span class=\"__13 _15e\"> </span>ten fr\u00e5n a<span class=\"__13 _b_12\"/>vyttringen redovisas.<span class=\"__13 _15e\"> </span><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:12.908623px; bottom:83.908936px;\">Nordea \u00e4r e<span class=\"__14 _1058\"/>xponerat f<span class=\"__14 _b_13\"/>\u00f6r strukturell v<span class=\"__14 _b_13\"/>alutarisk, vilket de\ufb01-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:70.38373px;\">nieras som brist<span class=\"__14 _1058\"/>ande \u00f6verenss<span class=\"__14 _b_13\"/>t\u00e4mmelse i valutasammans\u00e4tt-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:56.85852px;\">ningen mellan k\u00e4rnprim\u00e4rkapitalet och riske<span class=\"__14 _b_13\"/>xponeringsbe-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:43.333313px;\">loppen. K\u00e4rnprim\u00e4rkapitalet har huvudsakligen eur<span class=\"__14 _1058\"/>o som </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:29.808105px;\">valuta. De enda s<span class=\"__14 _b_13\"/>t\u00f6rre beloppen i andra valutor \u00e4n eur<span class=\"__14 _b_13\"/>o avser </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:16.282898px;\">hypoteks<span class=\"__14 _1058\"/>dotterf<span class=\"__14 _1058\"/>\u00f6retagen. V<span class=\"__14 _b_13\"/>alutakursf<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar kan d\u00e4rf\u00f6r </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:2.7576904px;\">p\u00e5v<span class=\"__14 _b_13\"/>erka Nordeas k\u00e4rnprim\u00e4rkapitalrelation negativt. </div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEffectOfChangesInForeignExchangeRatesExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-31": {
   "value": "Omr\u00e4kning av tillg\u00e5ngar och skulder i utl\u00e4ndsk valuta En enhets (koncernf\u00f6retag eller \ufb01lial) funktionella valuta fast- st\u00e4lls utifr\u00e5n den ekonomiska milj\u00f6 i vilken enheten prim\u00e4rt bedriver sin verksamhet. Utl\u00e4ndsk valuta de\ufb01nieras som annan valuta \u00e4n enhetens funktionella valuta. Transaktioner i utl\u00e4ndsk valuta redovisas till transaktionsdagens kurs. Monet\u00e4ra tillg\u00e5ng- ar och skulder i utl\u00e4ndsk valuta omr\u00e4knas till balansdagens kurs. Valutakursdifferenser som uppkommer vid reglering av trans- aktioner till kurser som avviker fr\u00e5n dem p\u00e5 transaktionsdagen, liksom orealiserade omr\u00e4kningsdifferenser p\u00e5 ej reglerade mone- t\u00e4ra tillg\u00e5ngar och skulder i utl\u00e4ndsk valuta, redovisas i resultat- r\u00e4kningen under \u201dNettoresultat av poster till verkligt v\u00e4rde\u201d. Valutakursdifferenser som h\u00e4rr\u00f6r fr\u00e5n interna, l\u00e5ngfristiga fordringar p\u00e5 eller skulder till utl\u00e4ndska verksamheter d\u00e4r n\u00e5gon betalning varken planeras eller sannolikt kommer att ske i framtiden (i praktiken, en del av Nordeas nettoinvestering i den utl\u00e4ndska verksamheten) redovisas under \u00d6vrigt totalre- sultat och omklassi\ufb01ceras fr\u00e5n eget kapital till resultatr\u00e4kning- en n\u00e4r netto investeringen avyttras. F\u00f6r omr\u00e4kning av de utl\u00e4ndska f\u00f6retagens och \ufb01lialernas \ufb01nansiella rapporter, se not K9.2 \u201dValutaomr\u00e4kning av utl\u00e4ndska f\u00f6retag/\ufb01lialer\u201d. Valutakurser Jan\u2013dec 2022 Jan\u2013dec 2021 EUR 1 = svenska kronor Resultatr\u00e4kning (genomsnitt) 10,6274 10,1460 Balansr\u00e4kning (vid periodens slut) 11,1202 10,2913 EUR 1 = danska kronor Resultatr\u00e4kning (genomsnitt) 7,4395 7,4370 Balansr\u00e4kning (vid periodens slut) 7,4365 7,4364 EUR 1 = norska kronor Resultatr\u00e4kning (genomsnitt) 10,1023 10,1655 Balansr\u00e4kning (vid periodens slut) 10,5180 10,0185 RUB 1 = ryska rubel Resultatr\u00e4kning (genomsnitt) 73,9902 87,1828 Balansr\u00e4kning (vid periodens slut) 78,5146 85,0140 K9.2   Valutaomr\u00e4kning  av utl\u00e4ndska f\u00f6retag/\ufb01lialer Redovisningsprinciper Koncernredovisningen uppr\u00e4ttas i euro. Vid omr\u00e4kningen av de utl\u00e4ndska f\u00f6retagens och \ufb01lialernas \ufb01nansiella rapporter till euro fr\u00e5n deras respektive funktionella valuta, omr\u00e4knas tillg\u00e5ngar och skulder till balansdagens kurs, medan poster i resultatr\u00e4kningen och i rapporten \u00f6ver totalresultat omr\u00e4knas till \u00e5rets genomsnittskurs. Genomsnittskursen ber\u00e4knas uti- fr\u00e5n dagliga v\u00e4xelkurser dividerat med antalet bankdagar under perioden. Omr\u00e4kningsdifferenser redovisas i \u00f6vrigt totalresultat och ackumuleras i reserven f\u00f6r omr\u00e4kning av utl\u00e4ndsk verksamhet under eget kapital. Goodwill och justeringar till verkligt v\u00e4rde fr\u00e5n f\u00f6rv\u00e4rv av koncernf\u00f6retag hanteras som poster i samma funktionella valuta som den kassagenererande enheten till vilken de h\u00f6r, och omr\u00e4knas ocks\u00e5 till balansdagens kurs. Eventuellt kvarst\u00e5ende eget kapital i utl\u00e4ndska \ufb01lialer omr\u00e4knas till balansdagens kurs, och omr\u00e4kningsdifferenser redovisas under \u00f6vrigt totalresultat. Vid avyttring av en utl\u00e4ndsk verksamhet omklassi\ufb01ceras det ackumulerade beloppet f\u00f6r valutakursdifferenser avse- ende den utl\u00e4ndska verksamheten \u2013 redovisat under \u00f6vrigt totalresultat och ackumulerat i reserven f\u00f6r omr\u00e4kning av utl\u00e4ndsk verksamhet under eget kapital \u2013 fr\u00e5n eget kapital till resultatr\u00e4kningen i samband med att vinsten eller f\u00f6rlus- ten fr\u00e5n avyttringen redovisas. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-32": {
   "value": "F\u00f6r\u00e4ndringar i koncernstrukturen I enlighet med strategin fokuserar Nordea p\u00e5 sin verksamhet i Norden. Som en f\u00f6ljd av detta har Nordeakoncernen avvecklat sin verksamhet i Ryssland. F\u00f6r ytterligare information, se not K2.4 \u201dSumma nettoresultat av poster till verkligt v\u00e4rde\u201d. F\u00f6r information om andra f\u00f6r\u00e4ndringar i koncernstrukturen, se not K9.6 \u201dF\u00f6rv\u00e4rv\u201dK9.6 F\u00f6rv\u00e4rv Redovisningsprinciper I samband med f\u00f6retagsf\u00f6rv\u00e4rv redovisas de f\u00f6rv\u00e4rvade iden- ti\ufb01erbara tillg\u00e5ngarna och skulderna till verkligt v\u00e4rde, inklu- sive eventuella immateriella tillg\u00e5ngar som identi\ufb01erats vid f\u00f6rv\u00e4rvet. Det verkliga v\u00e4rdet, netto, p\u00e5 identi\ufb01erbara till- g\u00e5ngar och skulder j\u00e4mf\u00f6rs med erlagd k\u00f6peskilling och eventuellt \u00f6verskott redovisas som goodwill. Se \u00e4ven not K9.1 \u201dKonsoliderade f\u00f6retag\u201d. F\u00f6rv\u00e4rvet av Topdanmark Life (Nordea Pension) Den 1 december 2022 slutf\u00f6rdes f\u00f6rv\u00e4rvet av samtliga aktier i Topdanmark Liv Holding A/S. Topdanmark Liv Holding A/S \u00e4r moderf\u00f6retaget i en koncern som innefattar f\u00f6rs\u00e4kringsbola- get Topdanmark Livsforsikring A/S samt kapitalf\u00f6rvaltnings- och fastighetsbolag. Koncernen bedriver liv- och pensionsr\u00f6- relse i Danmark. Koncernen hade cirka 300 anst\u00e4llda och 12 md euro i f\u00f6rvaltade tillg\u00e5ngar p\u00e5 f\u00f6rv\u00e4rvsdagen. F\u00f6rv\u00e4r- vet kompletterar Nordeas utbud av liv- och pensionsproduk- ter i Norden och trappar upp v\u00e5ra strategiska ambitioner p\u00e5 sparandeomr\u00e5det. En k\u00f6peskilling p\u00e5 283 mn euro betalades till Topdanmark Forsikring A/S i December. Den prelimin\u00e4ra f\u00f6rdelningen av k\u00f6peskillingen redovisas nedan. Mn euro 1 dec 2022 R\u00e4nteb\u00e4rande v\u00e4rdepapper 5 345 Aktier och andelar 4 239 \u00d6vriga tillg\u00e5ngar 2 841 Skulder till f\u00f6rs\u00e4kringstagare -11 030 \u00d6vriga skulder -1 539 F\u00f6rv\u00e4rvade nettotillg\u00e5ngar1 -144 F\u00f6rv\u00e4rvspris, kontantreglerad 283 Ber\u00e4knat ytterligare f\u00f6rv\u00e4rvspris -2 F\u00f6rv\u00e4rvskostnad 281 \u00d6verv\u00e4rde 425 F\u00f6rdelning av \u00f6verv\u00e4rde: Immateriella tillg\u00e5ngar f\u00f6r kundrelationer 39 Uppskjutna skattefordringar 42 Goodwill 344 1) Inklusive justering till verkligt v\u00e4rde avseende programvara och skulder till f\u00f6rs\u00e4k- ringstagare i Topdanmark Life. Nordea har uppskattat det verkliga v\u00e4rdet p\u00e5 skulder till f\u00f6r- s\u00e4kringstagare med samma modell som anv\u00e4nds f\u00f6r att upp- skatta verkligt v\u00e4rde under \u00f6verg\u00e5ngen till IFRS 17, vilken beskrivs i not 10.6 \u201d\u00d6verg\u00e5ng till IFRS 17 F\u00f6rs\u00e4kringsavtal\u201d. Detta medf\u00f6r en \u00f6kning av skulder till f\u00f6rs\u00e4kringstagare p\u00e5 194 mn euro och en motsvarande minskning av \u201dF\u00f6rv\u00e4rvade nettotillg\u00e5ngar\u201d, i linje med den effekt p\u00e5 avtal i Nordeas balansr\u00e4kning som uppstod vid \u00f6verg\u00e5ngen den 1 januari 2022. En stor del av justeringen kommer att ing\u00e5 i den avtal- senliga marginalen enligt IFRS 17. Nordea har ocks\u00e5 uppskattat det verkliga v\u00e4rdet p\u00e5 Topdanmark Lifes programvaror till 44 mn euro, vilket \u00e4r 31 mn euro l\u00e4gre \u00e4n det redovisade v\u00e4rdet i Topdanmark Life. Det verkliga v\u00e4rdet speglar den uppskattade ers\u00e4ttningskost- naden. V\u00e4rdeminskningen redovisas under \u201dF\u00f6rv\u00e4rvade net- totillg\u00e5ngar\u201d. Programvarornas verkliga v\u00e4rde kommer att skrivas av under tio \u00e5r, vilket motsvarar den ber\u00e4knade nyttjandeperioden. F\u00f6r fondf\u00f6rs\u00e4kringsavtal har en kundrelaterad immateriell tillg\u00e5ng identi\ufb01erats. Denna tillg\u00e5ng speglar det resultat minus kapitalkostnad som f\u00f6rv\u00e4ntas komma fr\u00e5n be\ufb01ntliga avtal. I v\u00e4rdet p\u00e5 den immateriella tillg\u00e5ngen ing\u00e5r ocks\u00e5 resultat minus kapitalkostnad fr\u00e5n f\u00f6rv\u00e4ntade framtida pre- mier fr\u00e5n be\ufb01ntliga kunder. Tillg\u00e5ngen kommer att skrivas av under tio \u00e5r, vilket motsvarar den ber\u00e4knade kundoms\u00e4ttningen. Goodwill avser fr\u00e4mst v\u00e4rdet p\u00e5 den samlade arbetsstyr- kan och synergier, s\u00e5som korsf\u00f6rs\u00e4ljning med Nordeas be\ufb01nt- liga kundbas och h\u00f6gre f\u00f6rvaltat kapital f\u00f6r Nordea Asset Management. Synergierna f\u00f6rv\u00e4ntas uppst\u00e5 i Nordeakoncer- nen. Den samlade arbetsstyrkan och synergierna kan inte redovisas som separata immateriella tillg\u00e5ngar enligt IFRS 3, och redovisas d\u00e4rmed som goodwill. Denna goodwill f\u00f6rv\u00e4n- tas vara evig och kommer d\u00e4rmed inte att skrivas av. R\u00f6relseresultatet f\u00f6r den m\u00e5nad d\u00e5 f\u00f6retaget konsolideras- des var obetydligt. Motsvarande r\u00f6relseresultat proforma, om f\u00f6retaget hade konsoliderats fr\u00e5n 1 januari 2022, var 6 mn euro, exklusive effekten av justeringen av skulder till f\u00f6rs\u00e4k- ringstagare eftersom den inte var m\u00f6jlig att uppskatta. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBusinessCombinationsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-556": {
   "value": "K2.<span class=\"__9 _357\"/>1 Segmentr<span class=\"__9 _348\"/>apportering<span class=\"__9 _356\"> </span>Redovisningsprinciper<span class=\"__9 _356\"> </span> Ett r\u00f6relsesegmen<span class=\"__9 _348\"/>t utg\u00f6r en del a<span class=\"__9 _348\"/>v Nordea s<span class=\"__9 _348\"/>om genererar<span class=\"__9 _356\"> </span> int\u00e4k<span class=\"__9 _348\"/>ter och kos<span class=\"__9 _348\"/>tnader som regelbundet r<span class=\"__9 _348\"/>apporteras till h\u00f6g-<span class=\"__9 _356\"> </span>sta verks<span class=\"__9 _348\"/>t\u00e4llande beslutsf<span class=\"__9 _348\"/>attar<span class=\"__9 _348\"/>e och d\u00e4r de rapporterade upp-<span class=\"__9 _356\"> </span>gifterna anv\u00e4nds s<span class=\"__9 _348\"/>om beslutsunderlag i fr<span class=\"__9 _348\"/>\u00e5gor som r\u00f6r<span class=\"__9 _356\"> </span> verksamheten.<span class=\"__9 _356\"> </span> V<span class=\"__9 _348\"/>\u00e4rderingsprinciper och allok<span class=\"__9 _348\"/>eringar mellan r\u00f6relseseg-<span class=\"__9 _356\"> </span>menten f<span class=\"__9 _348\"/>\u00f6ljer<span class=\"__9 _357\"/>, i enlighet med IFRS 8<span class=\"__9 _a_8\"/>, den inf<span class=\"__9 _348\"/>ormation som<span class=\"__9 _356\"> </span> rapporteras till den h\u00f6gst<span class=\"__9 _348\"/>a verkst\u00e4llande be<span class=\"__9 _348\"/>slutsfa<span class=\"__9 _348\"/>ttaren. I<span class=\"__9 _356\"> </span> Nordea de\ufb01nieras h\u00f6gs<span class=\"__9 _348\"/>ta verkst<span class=\"__9 _348\"/>\u00e4llande beslutsf<span class=\"__9 _348\"/>attare som<span class=\"__9 _356\"> </span> koncernchef<span class=\"__9 _348\"/>en, som bist\u00e5s a<span class=\"__9 _348\"/>v de \u00f6<span class=\"__9 _348\"/>vriga medlemmarna i<span class=\"__9 _356\"> </span> koncernledningen.<span class=\"__9 _356\"> </span> Nordea l\u00e4mnar upplysningar separ<span class=\"__9 _348\"/>at om v<span class=\"__9 _348\"/>arje r\u00f6relses<span class=\"__9 _348\"/>eg-<span class=\"__9 _356\"> </span>ment som har iden<span class=\"__9 _348\"/>ti\ufb01era<span class=\"__9 _348\"/>ts som ett r\u00f6relse<span class=\"__9 _348\"/>segment, f\u00f6rutsa<span class=\"__9 _348\"/>tt<span class=\"__9 _356\"> </span> att f<span class=\"__9 _348\"/>\u00f6ljande kvan<span class=\"__9 _348\"/>titativa gr<span class=\"__9 _348\"/>\u00e4nsv\u00e4r<span class=\"__9 _348\"/>den har uppn\u00e5tts:<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">Segmentets in<span class=\"__9 _348\"/>t\u00e4k<span class=\"__9 _348\"/>ter (in<span class=\"__9 _348\"/>terna och ex<span class=\"__9 _348\"/>terna) utg\u00f6r 10 proc<span class=\"__9 _348\"/>ent<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>eller mer av de samlade in<span class=\"__9 _348\"/>t\u00e4k<span class=\"__9 _348\"/>terna (in<span class=\"__9 _348\"/>terna och ex<span class=\"__9 _348\"/>terna) f<span class=\"__9 _348\"/>\u00f6r<span class=\"__9 _356\"> </span> alla r\u00f6relsesegmen<span class=\"__9 _348\"/>t<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\"/><span class=\"ws4_8\">Segmentets r<span class=\"__9 _348\"/>esulta<span class=\"__9 _348\"/>t utg\u00f6r 10 procen<span class=\"__9 _348\"/>t eller mer a<span class=\"__9 _348\"/>v det  <span class=\"__9 _c_8\"/>s<span class=\"__9 _348\"/>t\u00f6rre<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>(i absoluta tal) a<span class=\"__9 _348\"/>v:<span class=\"__9 _356\"> </span> <span class=\"__9 _388\"/>-<span class=\"__9 _389\"> </span>den samlade vinsten f<span class=\"__9 _348\"/>\u00f6r alla l\u00f6nsamma segmen<span class=\"__9 _348\"/>t, eller<span class=\"__9 _356\"> </span> <span class=\"__9 _388\"/>-<span class=\"__9 _389\"> </span>den samlade f\u00f6rlus<span class=\"__9 _348\"/>ten f<span class=\"__9 _348\"/>\u00f6r alla segment s<span class=\"__9 _348\"/>om redovisa<span class=\"__9 _348\"/>t en<span class=\"__9 _356\"> </span> f\u00f6rlus<span class=\"__9 _348\"/>t<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">Segmentets tillg\u00e5ngar ut<span class=\"__9 _348\"/>g\u00f6r 10 procen<span class=\"__9 _348\"/>t eller mer a<span class=\"__9 _348\"/>v de sam<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span></span>lade tillg\u00e5ngarna f\u00f6r alla r<span class=\"__9 _348\"/>\u00f6relsesegmen<span class=\"__9 _348\"/>t.<span class=\"__9 _356\"> </span>T<span class=\"__9 _348\"/>v<span class=\"__9 _348\"/>\u00e5 eller fler r\u00f6r<span class=\"__9 _348\"/>elsesegment sl\u00e5s samman till ett r<span class=\"__9 _348\"/>\u00f6relseseg-<span class=\"__9 _356\"> </span>ment om segmen<span class=\"__9 _348\"/>ten har likartade ekonomiska egenskaper<span class=\"__9 _356\"> </span> och \u00e4v<span class=\"__9 _348\"/>en liknar varandr<span class=\"__9 _348\"/>a med a<span class=\"__9 _348\"/>vseende p\u00e5 produk<span class=\"__9 _348\"/>ter och<span class=\"__9 _356\"> </span> tj\u00e4nster<span class=\"__9 _357\"/>, produktionsprocesser<span class=\"__9 _357\"/>, kunder<span class=\"__9 _348\"/>, distributionss\u00e4<span class=\"__9 _348\"/>tt och<span class=\"__9 _356\"> </span> regelv<span class=\"__9 _348\"/>erk.<span class=\"__9 _356\"> </span> Inf<span class=\"__9 _348\"/><span class=\"__9 _356\">ormation om annan aff</span><span class=\"__9 _348\"/>\u00e4rsverksamhet och r\u00f6r<span class=\"__9 _348\"/>elseseg-<span class=\"__9 _356\"> </span>ment som in<span class=\"__9 _348\"/>te har redo<span class=\"__9 _348\"/>visats separ<span class=\"__9 _348\"/>at sammanf<span class=\"__9 _348\"/>\u00f6rs i en egen<span class=\"__9 _356\"> </span> kategori \u2013 \u201d\u00d6vriga r<span class=\"__9 _348\"/>\u00f6relsesegmen<span class=\"__9 _348\"/>t\u201d \u2013 f\u00f6r vilken upplysningar<span class=\"__9 _356\"> </span> l\u00e4mnas.<span class=\"__9 _356\"> </span>Resul<span class=\"__9 _348\"/>tatr<span class=\"__9 _348\"/>\u00e4kning 2022<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _356\"> </span>Personal<span class=\"__9 _356\"> </span> banking<span class=\"__9 _356\"> </span>Business<span class=\"__9 _356\"> </span> Banking<span class=\"__9 _356\"> </span> Large <span class=\"__9 _c_8\"/> Corporates &amp;<span class=\"__9 _356\"> </span> Institutions<span class=\"__9 _356\"> </span>Asset &amp;<span class=\"__9 _356\"> </span> Wealth <span class=\"__9 _c_8\"/> Management<span class=\"__9 _356\"> </span>\u00d6vriga <span class=\"__9 _c_8\"/> r\u00f6relse-<span class=\"__9 _356\"> </span> segment<span class=\"__9 _356\"> </span>Summa<span class=\"__9 _356\"> </span> r\u00f6relse-<span class=\"__9 _356\"> </span>segment<span class=\"__9 _d_8\"> </span>A<span class=\"__9 _348\"/>vst\u00e4mning<span class=\"__9 _356\"> </span>Summa<span class=\"__9 _356\"> </span> koncernen<span class=\"__9 _356\"> </span>R\u00e4ntenetto<span class=\"__9 _356\"> </span>2 559<span class=\"__9 _e_8\"> </span>1 940<span class=\"__9 _f_8\"> </span>1 159<span class=\"__9 _358\"> </span>169<span class=\"__9 _359\"> </span>-95<span class=\"__9 _360\"> </span>5 732<span class=\"__9 _361\"> </span>-68<span class=\"__9 _362\"> </span>5 664<span class=\"__9 _356\"> </span>A<span class=\"__9 _348\"/>vgifts- och pro<span class=\"__9 _348\"/>visionsnetto<span class=\"__9 _356\"> </span>1 215<span class=\"__9 _363\"> </span>645<span class=\"__9 _364\"> </span>461<span class=\"__9 _365\"> </span>1 073<span class=\"__9 _366\"> </span><span class=\"ls2_8 ws5_8\">-22<span class=\"__9 _360\"> </span></span>3 37<span class=\"__9 _a_8\"/>2<span class=\"__9 _367\"> </span>-36<span class=\"__9 _1a_5\"> </span>3 336<span class=\"__9 _356\"> </span>Nettoresulta<span class=\"__9 _348\"/>t av pos<span class=\"__9 _348\"/>ter till verkligt v\u00e4r<span class=\"__9 _348\"/>de<span class=\"__9 _356\"> </span>142<span class=\"__9 _1b_5\"> </span><span class=\"ls0_9 ws0_9\">386<span class=\"__9 _367\"> </span>569<span class=\"__9 _1c_5\"> </span>36<span class=\"__9 _1d_5\"> </span>95<span class=\"__9 _1e_5\"> </span>1 228<span class=\"__9 _f_8\"> </span>-507<span class=\"__9 _361\"> </span>7<span class=\"__9 _a_8\"/>21<span class=\"__9 _356\"> </span></span>Andelar i intresse<span class=\"__9 _348\"/>f\u00f6retags och join<span class=\"__9 _348\"/>t ven<span class=\"__9 _348\"/>tures resul<span class=\"__9 _348\"/>tat<span class=\"__9 _356\"> </span> enligt kapitalandelsmetoden<span class=\"__9 _356\"> </span>0<span class=\"__9 _1f_5\"> </span>1<span class=\"__9 _368\"> </span>0<span class=\"__9 _369\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _370\"> </span><span class=\"ls4_8 ws7_8\">-4<span class=\"__9 _371\"> </span>-4<span class=\"__9 _371\"> </span>-4<span class=\"__9 _371\"> </span></span></span>-8<span class=\"__9 _356\"> </span>\u00d6vriga r\u00f6relsein<span class=\"__9 _348\"/>t\u00e4kter<span class=\"__9 _356\"> </span>5<span class=\"__9 _364\"> </span>34<span class=\"__9 _372\"> </span>16<span class=\"__9 _373\"> </span>1<span class=\"__9 _374\"> </span>0<span class=\"__9 _375\"> </span>56<span class=\"__9 _358\"> </span>27<span class=\"__9 _375\"> </span>83<span class=\"__9 _356\"> </span>Summa r\u00f6relsein<span class=\"__9 _348\"/>t\u00e4kter<span class=\"__9 _356\"> </span>3 921<span class=\"__9 _376\"> </span>3 006<span class=\"__9 _377\"> </span>2 205<span class=\"__9 _365\"> </span>1 278<span class=\"__9 _359\"> </span><span class=\"ls2_8 ws5_8\">-26<span class=\"__9 _2a_3\"> </span></span>10 384<span class=\"__9 _2b_3\"> </span>-588<span class=\"__9 _362\"> </span>9 796<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _348\"/>v int<span class=\"__9 _348\"/><span class=\"__9 _356\">erna transaktioner1<span class=\"__9 _356\"> </span></span>-460<span class=\"__9 _2b_3\"> </span>-<span class=\"__9 _348\"/>134<span class=\"__9 _2c_3\"> </span>-35<span class=\"__9 _2d_3\"> </span><span class=\"ls3_8 ws6_8\">57<span class=\"__9 _364\"> </span>572<span class=\"__9 _2e_3\"> </span></span>0<span class=\"__9 _2f_3\"> </span>\u2013<span class=\"__9 _2f_3\"> </span>\u2013<span class=\"__9 _356\"> </span>Personalkostnader<span class=\"__9 _356\"> </span>-594<span class=\"__9 _360\"> </span>-400<span class=\"__9 _365\"> </span>-325<span class=\"__9 _361\"> </span><span class=\"ls4_8 ws7_8\">-439<span class=\"__9 _361\"> </span></span>-112<span class=\"__9 _378\"> </span>-1 870<span class=\"__9 _379\"> </span>-965<span class=\"__9 _376\"> </span>-2 835<span class=\"__9 _356\"> </span>\u00d6vriga kostnader<span class=\"__9 _356\"> </span>-1 14<span class=\"__9 _a_8\"/>2<span class=\"__9 _2b_3\"> </span><span class=\"ls5_8 ws8_8\">-7<span class=\"__9 _a_8\"/>27<span class=\"__9 _380\"> </span><span class=\"ls0_9 ws0_9\">-372<span class=\"__9 _364\"> </span>-<span class=\"__9 _348\"/>104<span class=\"__9 _364\"> </span><span class=\"ls3_8 ws6_8\">142<span class=\"__9 _378\"> </span></span>-2 203<span class=\"__9 _1a_5\"> </span>1 068<span class=\"__9 _362\"> </span>-1 135<span class=\"__9 _356\"> </span></span></span>Lagstadgade a<span class=\"__9 _348\"/>vgifter<span class=\"__9 _356\"> </span>-101<span class=\"__9 _365\"> </span>-92<span class=\"__9 _381\"> </span><span class=\"ls2_8 ws5_8\">-124<span class=\"__9 _382\"> </span></span>-5<span class=\"__9 _374\"> </span>0<span class=\"__9 _363\"> </span>-322<span class=\"__9 _2e_3\"> </span>0<span class=\"__9 _f_8\"> </span>-322<span class=\"__9 _356\"> </span>A<span class=\"__9 _348\"/>v- och nedskrivningar a<span class=\"__9 _348\"/>v  materiella och immat<span class=\"__9 _348\"/>eriella tillg\u00e5ngar<span class=\"__9 _356\"> </span>-81<span class=\"__9 _380\"> </span>-32<span class=\"__9 _375\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _a_8\"/>1<span class=\"__9 _1f_5\"> </span>-21<span class=\"__9 _1f_5\"> </span></span>-5<span class=\"__9 _f_8\"> </span>-160<span class=\"__9 _363\"> </span><span class=\"ls3_8 ws6_8\">-<span class=\"__9 _a_8\"/>451<span class=\"__9 _383\"> </span></span>-611<span class=\"__9 _356\"> </span>Summa r\u00f6relsekos<span class=\"__9 _348\"/>tnader<span class=\"__9 _356\"> </span>-1 918<span class=\"__9 _384\"> </span><span class=\"ls3_8 ws6_8\">-1 251<span class=\"__9 _383\"> </span></span>-842<span class=\"__9 _361\"> </span>-569<span class=\"__9 _1d_5\"> </span><span class=\"ls6_8 ws9_8\">25<span class=\"__9 _384\"> </span></span>-4 555<span class=\"__9 _2b_3\"> </span>-348<span class=\"__9 _385\"> </span>-4 903<span class=\"__9 _356\"> </span>Resulta<span class=\"__9 _348\"/>t f\u00f6r<span class=\"__9 _348\"/>e kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _356\"> </span>2 003<span class=\"__9 _362\"> </span>1 755<span class=\"__9 _2b_3\"> </span>1 363<span class=\"__9 _366\"> </span>709<span class=\"__9 _2f_3\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _386\"> </span></span>5 829<span class=\"__9 _2b_3\"> </span>-936<span class=\"__9 _362\"> </span>4 893<span class=\"__9 _356\"> </span>Nettoresulta<span class=\"__9 _348\"/>t av utl\u00e5ning i portf<span class=\"__9 _348\"/>\u00f6ljer som h\u00e5lls till<span class=\"__9 _356\"> </span> f\u00f6rfall och obliga<span class=\"__9 _348\"/>toriskt v<span class=\"__9 _348\"/>\u00e4rderas till v<span class=\"__9 _348\"/>erkligt v\u00e4rde<span class=\"__9 _356\"> </span>-3<span class=\"__9 _2c_3\"> </span>-9<span class=\"__9 _368\"> </span>0<span class=\"__9 _369\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _374\"> </span></span>0<span class=\"__9 _364\"> </span><span class=\"ls3_8 ws6_8\">-13<span class=\"__9 _2e_3\"> </span></span>0<span class=\"__9 _364\"> </span><span class=\"ls3_8 ws6_8\">-13<span class=\"__9 _356\"> </span></span>Kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _348\"/>, nett<span class=\"__9 _348\"/>o<span class=\"__9 _356\"> </span>-53<span class=\"__9 _365\"> </span><span class=\"ls4_8 ws7_8\">-42<span class=\"__9 _372\"> </span></span>55<span class=\"__9 _382\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _370\"> </span><span class=\"ls4_8 ws7_8\">-4<span class=\"__9 _367\"> </span></span></span>-45<span class=\"__9 _367\"> </span>-67<span class=\"__9 _365\"> </span>-112<span class=\"__9 _356\"> </span>R\u00f6relser<span class=\"__9 _348\"/>esultat<span class=\"__9 _356\"> </span>1 947<span class=\"__9 _e_8\"> </span>1 704<span class=\"__9 _379\"> </span>1 418<span class=\"__9 _387\"> </span>707<span class=\"__9 _370\"> </span>-5<span class=\"__9 _3a_4\"> </span>5 771<span class=\"__9 _376\"> </span>-1 003<span class=\"__9 _362\"> </span>4 768<span class=\"__9 _356\"> </span>Skatt<span class=\"__9 _356\"> </span>-448<span class=\"__9 _3a_4\"> </span><span class=\"ls0_9 ws0_9\">-392<span class=\"__9 _383\"> </span>-326<span class=\"__9 _364\"> </span>-163<span class=\"__9 _369\"> </span>1<span class=\"__9 _e_8\"> </span>-1 328<span class=\"__9 _361\"> </span>155<span class=\"__9 _362\"> </span><span class=\"ls3_8 ws6_8\">-1 17<span class=\"__9 _a_8\"/>3<span class=\"__9 _356\"> </span></span></span>\u00c5rets result<span class=\"__9 _348\"/>at<span class=\"__9 _356\"> </span>1 499<span class=\"__9 _386\"> </span>1 312<span class=\"__9 _377\"> </span>1 092<span class=\"__9 _366\"> </span>544<span class=\"__9 _372\"> </span><span class=\"ls4_8 ws7_8\">-4<span class=\"__9 _3b_3\"> </span></span>4 443<span class=\"__9 _377\"> </span>-84<span class=\"__9 _a_8\"/>8<span class=\"__9 _386\"> </span>3 595<span class=\"__9 _356\"> </span><span class=\"__9 _356\">Balansr\u00e4kning 31 dec 20222, md euro<span class=\"__9 _356\"> </span></span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__9 _3c_3\"> </span><span class=\"ls3_8 ws6_8\">175<span class=\"__9 _f_8\"> </span></span>100<span class=\"__9 _370\"> </span>54<span class=\"__9 _374\"> </span><span class=\"ff3_8\">12<span class=\"__9 _2e_3\"> </span></span>\u2013<span class=\"__9 _361\"> </span>341<span class=\"__9 _2d_3\"> </span>5<span class=\"__9 _3d_3\"> </span>346<span class=\"__9 _356\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__9 _3e_3\"> </span>88<span class=\"__9 _367\"> </span><span class=\"ls3_8 ws6_8\">57<span class=\"__9 _2f_3\"> </span></span>53<span class=\"__9 _374\"> </span><span class=\"ff3_8\">13<span class=\"__9 _2e_3\"> </span></span>\u2013<span class=\"__9 _3f_3\"> </span>211<span class=\"__9 _1c_5\"> </span>6<span class=\"__9 _3f_3\"> </span><span class=\"ls3_8 ws6_8\">217<span class=\"__9 _356\"> </span></span>1)   <span class=\"__9 _c_8\"/>IFRS 8 kr\u00e4ver in<span class=\"__9 _348\"/>formation om in<span class=\"__9 _348\"/>t\u00e4kter f<span class=\"__9 _348\"/>r\u00e5n transak<span class=\"__9 _348\"/>tioner med andra r\u00f6relsesegmen<span class=\"__9 _348\"/>t. Nordea har de\ufb01nierat segmen<span class=\"__9 _348\"/>tinterna in<span class=\"__9 _348\"/>t\u00e4kter som in<span class=\"__9 _348\"/>terna r\u00e4n<span class=\"__9 _348\"/>teint\u00e4k<span class=\"__9 _348\"/>ter och r\u00e4n<span class=\"__9 _348\"/>tekostnader<span class=\"__9 _356\"> </span> relaterade till r<span class=\"__9 _348\"/>\u00f6relsesegment<span class=\"__9 _348\"/>ens \ufb01nansiering genom internbanken inom Gr<span class=\"__9 _348\"/>oup Finance.<span class=\"__9 _356\"> </span> 2)   <span class=\"__9 _c_8\"/>H\u00f6gsta verkst\u00e4llande beslutsf<span class=\"__9 _348\"/>attaren gransk<span class=\"__9 _348\"/>ar \u201dUtl\u00e5ning till allm\u00e4nheten\u201d och \u201dIn- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten\u201d som m\u00e4<span class=\"__9 _348\"/>tpunkter f<span class=\"__9 _348\"/>\u00f6r de rapporterbara r\u00f6r<span class=\"__9 _348\"/>elsesegmentens t<span class=\"__9 _348\"/>otala<span class=\"__9 _356\"> </span> tillg\u00e5ngar och skulder och som konsekvens d\u00e4r<span class=\"__9 _348\"/>av \u00e4r dessa pos<span class=\"__9 _348\"/>ter redovisade separa<span class=\"__9 _348\"/>t<span class=\"__9 _356\"> </span>.<span class=\"__9 _356\"> </span>Resul<span class=\"__9 _348\"/>tatr<span class=\"__9 _348\"/>\u00e4kning 2021<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _356\"> </span>Personal<span class=\"__9 _356\"> </span> banking<span class=\"__9 _356\"> </span>Business<span class=\"__9 _356\"> </span> Banking<span class=\"__9 _356\"> </span> Large <span class=\"__9 _c_8\"/> Corporates &amp;<span class=\"__9 _356\"> </span> Institutions<span class=\"__9 _356\"> </span>Asset &amp;<span class=\"__9 _356\"> </span> Wealth <span class=\"__9 _c_8\"/> Management<span class=\"__9 _356\"> </span>\u00d6vriga <span class=\"__9 _c_8\"/> r\u00f6relse-<span class=\"__9 _356\"> </span> segment<span class=\"__9 _356\"> </span>Summa<span class=\"__9 _356\"> </span> r\u00f6relse-<span class=\"__9 _356\"> </span>segment<span class=\"__9 _d_8\"> </span>A<span class=\"__9 _348\"/>vst\u00e4mning<span class=\"__9 _356\"> </span>Summa<span class=\"__9 _356\"> </span> koncernen<span class=\"__9 _356\"> </span>R\u00e4ntenetto<span class=\"__9 _400\"> </span>2 244<span class=\"__9 _e_8\"> </span>1 600<span class=\"__9 _367\"> </span>942<span class=\"__9 _2d_3\"> </span><span class=\"ls4_8 ws7_8\">77<span class=\"__9 _2c_3\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _a_8\"/>0<span class=\"__9 _386\"> </span></span></span>4 853<span class=\"__9 _387\"> </span><span class=\"ls8_8 wsa_8\">72<span class=\"__9 _362\"> </span></span>4 925<span class=\"__9 _356\"> </span>A<span class=\"__9 _348\"/>vgifts- och pro<span class=\"__9 _348\"/>visionsnetto<span class=\"__9 _401\"> </span>1 217<span class=\"__9 _363\"> </span>639<span class=\"__9 _3f_3\"> </span>539<span class=\"__9 _3f_3\"> </span>1 111<span class=\"__9 _2c_3\"> </span><span class=\"ls3_8 ws6_8\">-10<span class=\"__9 _362\"> </span></span>3 496<span class=\"__9 _372\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _386\"> </span></span>3 495<span class=\"__9 _356\"> </span>Nettoresulta<span class=\"__9 _348\"/>t av pos<span class=\"__9 _348\"/>ter till verkligt v\u00e4r<span class=\"__9 _348\"/>de<span class=\"__9 _402\"> </span><span class=\"ls3_8 ws6_8\">148<span class=\"__9 _363\"> </span></span>306<span class=\"__9 _364\"> </span><span class=\"ls2_8 ws5_8\">524<span class=\"__9 _374\"> </span></span>61<span class=\"__9 _3f_3\"> </span>232<span class=\"__9 _2b_3\"> </span>1 271<span class=\"__9 _399\"> </span><span class=\"ls3_8 ws6_8\">-152<span class=\"__9 _2b_3\"> </span></span>1 119<span class=\"__9 _356\"> </span>Andelar i intresse<span class=\"__9 _348\"/>f\u00f6retags och join<span class=\"__9 _348\"/>t ven<span class=\"__9 _348\"/>tures resul<span class=\"__9 _348\"/>tat<span class=\"__9 _356\"> </span> enligt kapitalandelsmetoden<span class=\"__9 _403\"> </span><span class=\"ls0_9\">0<span class=\"__9 _1f_5\"> </span>1<span class=\"__9 _368\"> </span>0<span class=\"__9 _373\"> </span>1<span class=\"__9 _1f_5\"> </span>-5<span class=\"__9 _1d_5\"> </span>-3<span class=\"__9 _1d_5\"> </span>-3<span class=\"__9 _371\"> </span>-6<span class=\"__9 _356\"> </span></span>\u00d6vriga r\u00f6relsein<span class=\"__9 _348\"/>t\u00e4kter<span class=\"__9 _404\"> </span><span class=\"ls3_8 ws6_8\">14<span class=\"__9 _364\"> </span></span>34<span class=\"__9 _368\"> </span>4<span class=\"__9 _397\"> </span>2<span class=\"__9 _374\"> </span>6<span class=\"__9 _366\"> </span>60<span class=\"__9 _358\"> </span>27<span class=\"__9 _375\"> </span>87<span class=\"__9 _356\"> </span>Summa r\u00f6relsein<span class=\"__9 _348\"/>t\u00e4kter<span class=\"__9 _405\"> </span>3 623<span class=\"__9 _378\"> </span>2 580<span class=\"__9 _1e_5\"> </span>2 009<span class=\"__9 _365\"> </span>1 2<span class=\"__9 _a_8\"/>52<span class=\"__9 _364\"> </span>213<span class=\"__9 _386\"> </span>9 67<span class=\"__9 _a_8\"/>7<span class=\"__9 _3f_3\"> </span><span class=\"ls3_8 ws6_8\">-57<span class=\"__9 _3b_3\"> </span></span>9 620<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _348\"/>v int<span class=\"__9 _348\"/><span class=\"__9 _356\">erna transaktioner1</span><span class=\"__9 _406\"> </span><span class=\"ls2_8 ws5_8\">-25<span class=\"__9 _a_8\"/>2<span class=\"__9 _381\"> </span><span class=\"ls5_8 ws8_8\">-75<span class=\"__9 _381\"> </span></span></span>-135<span class=\"__9 _394\"> </span>-32<span class=\"__9 _361\"> </span>494<span class=\"__9 _2f_3\"> </span>0<span class=\"__9 _2f_3\"> </span>\u2013<span class=\"__9 _2f_3\"> </span>\u2013<span class=\"__9 _356\"> </span>Personalkostnader<span class=\"__9 _407\"> </span><span class=\"ls3_8 ws6_8\">-577<span class=\"__9 _5a_1\"> </span></span>-411<span class=\"__9 _3d_3\"> </span>-318<span class=\"__9 _3f_3\"> </span><span class=\"ls3_8 ws6_8\">-4<span class=\"__9 _a_8\"/>57<span class=\"__9 _359\"> </span></span>-92<span class=\"__9 _e_8\"> </span>-1 855<span class=\"__9 _2b_3\"> </span>-904<span class=\"__9 _378\"> </span>-2 759<span class=\"__9 _356\"> </span>\u00d6vriga kostnader<span class=\"__9 _398\"> </span>-<span class=\"__9 _348\"/>1 126<span class=\"__9 _377\"> </span>-691<span class=\"__9 _365\"> </span>-353<span class=\"__9 _1d_5\"> </span>-62<span class=\"__9 _3f_3\"> </span>184<span class=\"__9 _384\"> </span>-2 048<span class=\"__9 _386\"> </span>1 046<span class=\"__9 _5b_1\"> </span>-1 002<span class=\"__9 _356\"> </span>Lagstadgade a<span class=\"__9 _348\"/>vgifter<span class=\"__9 _5c_1\"> </span>-62<span class=\"__9 _365\"> </span>-58<span class=\"__9 _3d_3\"> </span>-103<span class=\"__9 _382\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _369\"> </span></span>1<span class=\"__9 _363\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _a_8\"/>24<span class=\"__9 _2e_3\"> </span></span>0<span class=\"__9 _363\"> </span><span class=\"ls2_8 ws5_8\">-224<span class=\"__9 _356\"> </span></span>A<span class=\"__9 _348\"/>v- och nedskrivningar a<span class=\"__9 _348\"/>v  materiella och immat<span class=\"__9 _348\"/>eriella tillg\u00e5ngar<span class=\"__9 _5d_1\"> </span>-80<span class=\"__9 _365\"> </span>-36<span class=\"__9 _2c_3\"> </span><span class=\"ls2_8 ws5_8\">-20<span class=\"__9 _372\"> </span><span class=\"ls3_8 ws6_8\">-18<span class=\"__9 _1f_5\"> </span></span></span>-5<span class=\"__9 _1b_5\"> </span>-159<span class=\"__9 _5a_1\"> </span>-505<span class=\"__9 _2b_3\"> </span>-664<span class=\"__9 _356\"> </span>Summa r\u00f6relsekos<span class=\"__9 _348\"/>tnader<span class=\"__9 _5e_1\"> </span>-1 845<span class=\"__9 _2a_3\"> </span>-1 196<span class=\"__9 _383\"> </span><span class=\"ls9_8 wsb_8\">-7<span class=\"__9 _a_8\"/>94<span class=\"__9 _3f_3\"> </span></span>-539<span class=\"__9 _358\"> </span>88<span class=\"__9 _385\"> </span>-4 286<span class=\"__9 _5a_1\"> </span>-363<span class=\"__9 _2a_3\"> </span>-4 649<span class=\"__9 _356\"> </span>Resulta<span class=\"__9 _348\"/>t f\u00f6r<span class=\"__9 _348\"/>e kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _4a_1\"> </span>1 778<span class=\"__9 _e_8\"> </span>1 384<span class=\"__9 _f_8\"> </span>1 215<span class=\"__9 _1d_5\"> </span>713<span class=\"__9 _3f_3\"> </span>301<span class=\"__9 _360\"> </span>5 391<span class=\"__9 _2b_3\"> </span>-420<span class=\"__9 _360\"> </span>4 971<span class=\"__9 _356\"> </span>Nettoresulta<span class=\"__9 _348\"/>t av utl\u00e5ning i portf<span class=\"__9 _348\"/>\u00f6ljer som h\u00e5lls till<span class=\"__9 _356\"> </span> f\u00f6rfall och obliga<span class=\"__9 _348\"/>toriskt v<span class=\"__9 _348\"/>\u00e4rderas till v<span class=\"__9 _348\"/>erkligt v\u00e4rde<span class=\"__9 _383\"> </span>47<span class=\"__9 _2c_3\"> </span>31<span class=\"__9 _368\"> </span>4<span class=\"__9 _373\"> </span>1<span class=\"__9 _374\"> </span>0<span class=\"__9 _375\"> </span>83<span class=\"__9 _2e_3\"> </span>0<span class=\"__9 _366\"> </span>83<span class=\"__9 _356\"> </span>Kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _348\"/>, nett<span class=\"__9 _348\"/>o<span class=\"__9 _404\"> </span>-63<span class=\"__9 _3d_3\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _a_8\"/>6<span class=\"__9 _387\"> </span>-21<span class=\"__9 _5f_1\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _370\"> </span></span></span>-9<span class=\"__9 _1b_5\"> </span>-120<span class=\"__9 _1c_5\"> </span>2<span class=\"__9 _399\"> </span>-118<span class=\"__9 _356\"> </span>R\u00f6relser<span class=\"__9 _348\"/>esultat<span class=\"__9 _408\"> </span>1 762<span class=\"__9 _e_8\"> </span>1 389<span class=\"__9 _2b_3\"> </span>1 198<span class=\"__9 _1d_5\"> </span>713<span class=\"__9 _367\"> </span>292<span class=\"__9 _386\"> </span>5 354<span class=\"__9 _5a_1\"> </span>-418<span class=\"__9 _362\"> </span>4 936<span class=\"__9 _356\"> </span>Skatt<span class=\"__9 _409\"> </span><span class=\"ls4_8 ws7_8\">-423<span class=\"__9 _3a_4\"> </span></span>-333<span class=\"__9 _383\"> </span>-288<span class=\"__9 _366\"> </span><span class=\"ls3_8 ws6_8\">-171<span class=\"__9 _2c_3\"> </span><span class=\"ls5_8 ws8_8\">-7<span class=\"__9 _a_8\"/>0<span class=\"__9 _e_8\"> </span></span></span>-1 285<span class=\"__9 _381\"> </span>180<span class=\"__9 _410\"> </span>-1 105<span class=\"__9 _356\"> </span>\u00c5rets result<span class=\"__9 _348\"/>at<span class=\"__9 _411\"> </span>1 339<span class=\"__9 _e_8\"> </span>1 056<span class=\"__9 _3f_3\"> </span>910<span class=\"__9 _375\"> </span>542<span class=\"__9 _364\"> </span>222<span class=\"__9 _410\"> </span>4 069<span class=\"__9 _5a_1\"> </span><span class=\"ls2_8 ws5_8\">-23<span class=\"__9 _a_8\"/>8<span class=\"__9 _360\"> </span></span>3 831<span class=\"__9 _356\"> </span><span class=\"__9 _356\">Balansr\u00e4kning 31 dec 20212, md euro<span class=\"__9 _356\"> </span></span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__9 _412\"> </span><span class=\"ls3_8 ws6_8\">170<span class=\"__9 _361\"> </span></span>96<span class=\"__9 _370\"> </span>45<span class=\"__9 _382\"> </span>11<span class=\"__9 _2e_3\"> </span>\u2013<span class=\"__9 _361\"> </span>322<span class=\"__9 _358\"> </span><span class=\"ls4_8 ws7_8\">23<span class=\"__9 _380\"> </span></span>345<span class=\"__9 _356\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__9 _3e_3\"> </span>84<span class=\"__9 _367\"> </span>55<span class=\"__9 _370\"> </span>50<span class=\"__9 _374\"> </span>12<span class=\"__9 _1c_5\"> </span>\u2013<span class=\"__9 _361\"> </span>201<span class=\"__9 _2d_3\"> </span>5<span class=\"__9 _3d_3\"> </span>206<span class=\"__9 _356\"> </span>1)   <span class=\"__9 _c_8\"/>IFRS 8 kr\u00e4ver in<span class=\"__9 _348\"/>formation om in<span class=\"__9 _348\"/>t\u00e4kter f<span class=\"__9 _348\"/>r\u00e5n transak<span class=\"__9 _348\"/>tioner med andra r\u00f6relsesegmen<span class=\"__9 _348\"/>t. Nordea har de\ufb01nierat segmen<span class=\"__9 _348\"/>tinterna in<span class=\"__9 _348\"/>t\u00e4kter som in<span class=\"__9 _348\"/>terna r\u00e4n<span class=\"__9 _348\"/>teint\u00e4k<span class=\"__9 _348\"/>ter och r\u00e4n<span class=\"__9 _348\"/>tekostnader<span class=\"__9 _356\"> </span> relaterade till r<span class=\"__9 _348\"/>\u00f6relsesegment<span class=\"__9 _348\"/>ens \ufb01nansiering genom internbanken inom Gr<span class=\"__9 _348\"/>oup Finance.<span class=\"__9 _356\"> </span> 2)   <span class=\"__9 _c_8\"/>H\u00f6gsta verkst\u00e4llande beslutsf<span class=\"__9 _348\"/>attaren gransk<span class=\"__9 _348\"/>ar \u201dUtl\u00e5ning till allm\u00e4nheten\u201d och \u201dIn- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten\u201d som m\u00e4<span class=\"__9 _348\"/>tpunkter f<span class=\"__9 _348\"/>\u00f6r de rapporterbara r\u00f6r<span class=\"__9 _348\"/>elsesegmentens t<span class=\"__9 _348\"/>otala<span class=\"__9 _356\"> </span> tillg\u00e5ngar och skulder och som konsekvens d\u00e4r<span class=\"__9 _348\"/>av \u00e4r dessa pos<span class=\"__9 _348\"/>ter redovisade separa<span class=\"__9 _348\"/>t.<span class=\"__9 _356\"> </span>A<span class=\"__9 _348\"/>vst\u00e4mning mellan summa r<span class=\"__9 _348\"/>\u00f6relsesegmen<span class=\"__9 _348\"/>t och \ufb01nansiella rapporter<span class=\"__9 _356\"> </span>Summa r\u00f6relseint\u00e4k<span class=\"__9 _348\"/>ter<span class=\"__9 _348\"/>,  mn euro<span class=\"__9 _390\"> </span>R\u00f6relseresul<span class=\"__9 _348\"/>tat, mn euro<span class=\"__9 _356\"> </span>Utl\u00e5ning till allm\u00e4nheten, md euro<span class=\"__9 _356\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten, md euro<span class=\"__9 _356\"> </span>2022<span class=\"__9 _366\"> </span>2021<span class=\"__9 _366\"> </span>2022<span class=\"__9 _375\"> </span>2021<span class=\"__9 _391\"> </span>31 dec 2022<span class=\"__9 _392\"> </span>31 dec 2021<span class=\"__9 _391\"> </span>31 dec 2022<span class=\"__9 _392\"> </span>31 dec 2021<span class=\"__9 _356\"> </span>Summa r\u00f6relsesegmen<span class=\"__9 _348\"/>t<span class=\"__9 _393\"> </span>10 384<span class=\"__9 _3d_3\"> </span>9 677<span class=\"__9 _361\"> </span>5 771<span class=\"__9 _3d_3\"> </span>5 354<span class=\"__9 _394\"> </span>341<span class=\"__9 _394\"> </span>322<span class=\"__9 _1f_5\"> </span>211<span class=\"__9 _394\"> </span>201<span class=\"__9 _356\"> </span>Koncern<span class=\"__9 _348\"/><span class=\"__9 _356\">funktioner1</span><span class=\"__9 _395\"> </span><span class=\"ls3_8 ws6_8\">-16<span class=\"__9 _396\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _1f_5\"> </span><span class=\"ls5_8 ws8_8\">-70<span class=\"__9 _394\"> </span></span></span></span>-60<span class=\"__9 _373\"> </span>\u2013<span class=\"__9 _397\"> </span>\u2013<span class=\"__9 _397\"> </span>\u2013<span class=\"__9 _373\"> </span>\u2013<span class=\"__9 _356\"> </span>Oallokerade post<span class=\"__9 _348\"/><span class=\"__9 _356\">er3</span><span class=\"__9 _4a_1\"> </span><span class=\"ls4_8 ws7_8\">-483<span class=\"__9 _394\"> </span></span>-99<span class=\"__9 _375\"> </span>-911<span class=\"__9 _364\"> </span>-382<span class=\"__9 _369\"> </span>15<span class=\"__9 _369\"> </span>21<span class=\"__9 _382\"> </span>12<span class=\"__9 _373\"> </span>4<span class=\"__9 _356\"> </span>Elimineringar<span class=\"__9 _4b_1\"> </span>-30<span class=\"__9 _396\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _4c_1\"> </span></span>0<span class=\"__9 _397\"> </span>\u2013<span class=\"__9 _373\"> </span>\u2013<span class=\"__9 _397\"> </span>\u2013<span class=\"__9 _397\"> </span>\u2013<span class=\"__9 _356\"> </span><span class=\"__9 _356\">Skillnader i redovisningsprinciper2</span><span class=\"__9 _4d_1\"> </span>-59<span class=\"__9 _2d_3\"> </span>46<span class=\"__9 _1f_5\"> </span><span class=\"ls2_8 ws5_8\">-22<span class=\"__9 _382\"> </span>24<span class=\"__9 _1f_5\"> </span><span class=\"ls3_8 ws6_8\">-10<span class=\"__9 _4e_1\"> </span></span></span>2<span class=\"__9 _369\"> </span>-6<span class=\"__9 _4f_1\"> </span>1<span class=\"__9 _356\"> </span>Summa<span class=\"__9 _398\"> </span>9 796<span class=\"__9 _383\"> </span>9 620<span class=\"__9 _383\"> </span>4 768<span class=\"__9 _399\"> </span>4 936<span class=\"__9 _358\"> </span>346<span class=\"__9 _371\"> </span>345<span class=\"__9 _372\"> </span><span class=\"ls3_8 ws6_8\">217<span class=\"__9 _371\"> </span></span>206<span class=\"__9 _356\"> </span>1)   <span class=\"__9 _c_8\"/><span class=\"__9 _356\">Best\u00e5r av Group Business Support, Group Internal Audit, Chief of Staff o</span><span class=\"__9 _348\"/><span class=\"__9 _356\">ffice, Group People, Gr</span><span class=\"__9 _348\"/>oup Legal, Group Risk, Group Compliance och Group Brand, Communica<span class=\"__9 _348\"/>tion &amp; Marketing.<span class=\"__9 _356\"> </span>2)   <span class=\"__9 _c_8\"/><span class=\"__9 _356\">Effekt f</span><span class=\"__9 _348\"/>r\u00e5n skillnad i anv\u00e4ndning a<span class=\"__9 _348\"/>v budgetvalutak<span class=\"__9 _348\"/>urser i segmentrapporteringen. 3)  R\u00f6relsesegment<span class=\"__9 _348\"/>en present<span class=\"__9 _348\"/>eras utan j\u00e4mf<span class=\"__9 _348\"/>\u00f6relsest<span class=\"__9 _348\"/>\u00f6rande poster<span class=\"__9 _348\"/>. J\u00e4m<span class=\"__9 _348\"/>f\u00f6relse<span class=\"__9 _348\"/>st\u00f6rande post<span class=\"__9 _348\"/>er p\u00e5 537 mn euro ing\u00e5r i r\u00f6relsein<span class=\"__9 _348\"/>t\u00e4kter och j\u00e4m<span class=\"__9 _348\"/>f\u00f6relse<span class=\"__9 _348\"/>st\u00f6rande post<span class=\"__9 _348\"/>er p\u00e5 613 mn euro ing\u00e5r i r\u00f6relseresult<span class=\"__9 _348\"/>atet p\u00e5 raden \u201d<span class=\"__9 _348\"/>oallok<span class=\"__9 _348\"/>erade poster\u201d<span class=\"__9 _348\"/>.<span class=\"__9 _356\"> </span>V<span class=\"__9 _348\"/>\u00e4rdering a<span class=\"__9 _348\"/>v r\u00f6r<span class=\"__9 _348\"/>elsesegmen<span class=\"__9 _348\"/>tens resul<span class=\"__9 _348\"/>tat<span class=\"__9 _356\"> </span>Den huvudsakliga skillnaden mellan segmentr<span class=\"__9 _348\"/>apporteringen i not K2.<span class=\"__9 _357\"/>1 \u201dSegmentrapportering\u201d och \u201d<span class=\"__9 _357\"/><span class=\"__9 _356\">Aff</span><span class=\"__9 _348\"/>\u00e4rsomr\u00e5den\u201d<span class=\"__9 _357\"/>, som redovisas p\u00e5 anna<span class=\"__9 _348\"/>t h\u00e5ll i denna rapport, \u00e4r att inf<span class=\"__9 _348\"/>ormationen i not<span class=\"__9 _348\"/>en redovisar r<span class=\"__9 _348\"/>apporteringen till den h\u00f6gsta verks<span class=\"__9 _348\"/>t\u00e4llande beslutsf<span class=\"__9 _348\"/>attar<span class=\"__9 _348\"/>en och tas fram med hj\u00e4lp av budgetv<span class=\"__9 _348\"/>alutakurser<span class=\"__9 _357\"/>, medan rapporteringen under \u201d<span class=\"__9 _357\"/><span class=\"__9 _356\">Aff</span><span class=\"__9 _348\"/>\u00e4rsomr\u00e5den\u201d uppr\u00e4<span class=\"__9 _348\"/>ttas med hj\u00e4lp a<span class=\"__9 _348\"/>v aktuella valutak<span class=\"__9 _348\"/>urser<span class=\"__9 _348\"/>. Nordea till\u00e4mpar f<span class=\"__9 _348\"/>ast<span class=\"__9 _348\"/>a budgetkurser f<span class=\"__9 _348\"/>\u00f6r att undvika att val<span class=\"__9 _348\"/>utakursr\u00f6rels<span class=\"__9 _348\"/>er p\u00e5v<span class=\"__9 _348\"/>erkar rapporteringen till den h\u00f6gsta verks<span class=\"__9 _348\"/>t\u00e4llande beslutsf<span class=\"__9 _348\"/>attar<span class=\"__9 _348\"/>en. Samma valuta<span class=\"__9 _348\"/>-<span class=\"__9 _356\"> </span>kurser (t.ex. SEK, NOK, RUB j\u00e4mf\u00f6rt med EUR) anv\u00e4nds f\u00f6r innev<span class=\"__9 _348\"/>arande \u00e5r och j\u00e4m<span class=\"__9 _348\"/>f\u00f6r<span class=\"__9 _348\"/>else\u00e5ret. Budgetkurserna fas<span class=\"__9 _348\"/>tst\u00e4lls i december \u00e5r<span class=\"__9 _348\"/>et f\u00f6r<span class=\"__9 _348\"/>e och ber\u00e4knas som genom-<span class=\"__9 _356\"> </span>snittet a<span class=\"__9 _348\"/>v avis<span class=\"__9 _348\"/>takursen f<span class=\"__9 _348\"/>\u00f6r de f<span class=\"__9 _348\"/>\u00f6rsta f<span class=\"__9 _348\"/>em bankdagarna i december det \u00e5ret. J\u00e4mf<span class=\"__9 _348\"/><span class=\"__9 _356\">\u00f6relsesiffr</span><span class=\"__9 _348\"/>orna omr\u00e4knas v<span class=\"__9 _348\"/>arje<span class=\"__9 _356\"> </span>\u00e5r till budgetvalutak<span class=\"__9 _348\"/>urserna f\u00f6r den ak<span class=\"__9 _348\"/>tuella perioden, <span class=\"__9 _356\">i \u00f6verenss</span><span class=\"__9 _348\"/>t\u00e4mmelse med den in<span class=\"__9 _348\"/>terna rapporteringen till den h\u00f6gsta verks<span class=\"__9 _348\"/>t\u00e4llande beslutsf<span class=\"__9 _348\"/>attar<span class=\"__9 _348\"/>en. Identi\ufb01ering a<span class=\"__9 _348\"/>v r\u00f6r<span class=\"__9 _348\"/>elsesegment<span class=\"__9 _356\"> </span><span class=\"__9 _356\">Nordeas huvudsakliga aff</span><span class=\"__9 _348\"/>\u00e4rsomr\u00e5den \u2013 P<span class=\"__9 _348\"/>ersonal Banking, Business Banking, Large Corpor<span class=\"__9 _348\"/>ates &amp; Ins<span class=\"__9 _348\"/>titutions och Asset &amp; W<span class=\"__9 _348\"/>ealth Managemen<span class=\"__9 _348\"/>t \u2013 har identi\ufb01er<span class=\"__9 _348\"/>ats som r\u00f6r<span class=\"__9 _348\"/>elseseg-<span class=\"__9 _356\"> </span>ment och r<span class=\"__9 _348\"/>apporteras separa<span class=\"__9 _348\"/>t eftersom de \u00e4r r\u00f6relse<span class=\"__9 _348\"/>segment som \u00f6verskrider de kvan<span class=\"__9 _348\"/>tita<span class=\"__9 _348\"/>tiva gr\u00e4nsv<span class=\"__9 _348\"/>\u00e4rdena i IFRS 8. Andr<span class=\"__9 _348\"/>a r\u00f6relsesegmen<span class=\"__9 _348\"/>t som in<span class=\"__9 _348\"/>te n\u00e5r upp till gr\u00e4nsv<span class=\"__9 _348\"/>\u00e4rdena ing\u00e5r i \u00d6vriga r\u00f6relsesegmen<span class=\"__9 _348\"/>t. Koncern<span class=\"__9 _348\"/>funk<span class=\"__9 _348\"/>tioner (och eliminering-<span class=\"__9 _356\"> </span>ar), liksom resulta<span class=\"__9 _348\"/>t som in<span class=\"__9 _348\"/>te i sin helhet allokeras till n\u00e5go<span class=\"__9 _348\"/>t a<span class=\"__9 _348\"/>v r\u00f6relsesegmen<span class=\"__9 _348\"/>ten, visas separ<span class=\"__9 _348\"/>at som a<span class=\"__9 _348\"/>vst<span class=\"__9 _348\"/>\u00e4mningsposter<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Identi\ufb01eringen a<span class=\"__9 _348\"/>v r\u00f6r<span class=\"__9 _348\"/>elsesegment har in<span class=\"__9 _348\"/>te \u00e4ndr<span class=\"__9 _348\"/>ats under \u00e5ret.<span class=\"__9 _356\"> </span>Rapporterbara segment<span class=\"__9 _356\"> </span>Personal Banking tar hand om Nordeas priv<span class=\"__9 _348\"/>atkunder<span class=\"__9 _357\"/>. Perso-<span class=\"__9 _356\"> </span>nal Banking erbjuder kunderna ett helt\u00e4ckande utbud a<span class=\"__9 _348\"/>v \ufb01nansiella tj\u00e4nster som tillgodoser der<span class=\"__9 _348\"/>as vardagliga \ufb01nan-<span class=\"__9 _356\"> </span>siella behov<span class=\"__9 _413\"/>. Kunderna betj\u00e4nas via n\u00e4tbanken, mobilbank<span class=\"__9 _413\"/>en, telef<span class=\"__9 _348\"/>on, onlinem\u00f6ten och p\u00e5 Nordea<span class=\"wsc_8\">s bankkon<span class=\"__9 _413\"/>tor<span class=\"__9 _348\"/><span class=\"__9 _356\">. Aff</span><span class=\"__9 _413\"/>\u00e4rsomr\u00e5<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span></span>det innefa<span class=\"__9 _413\"/>ttar r\u00e5dgivning, kundservice, olika kundkanaler samt produk<span class=\"__9 _413\"/>tenheter<span class=\"__9 _413\"/>, och har en gemensam strat<span class=\"__9 _348\"/>egi, verk<span class=\"__9 _348\"/>-<span class=\"__9 _356\"> </span>samhetsmodell och ramv<span class=\"__9 _348\"/>erk f\u00f6r s<span class=\"__9 _413\"/>tyrning f\u00f6r samtliga marknader<span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>Business Banking betj\u00e4nar<span class=\"__9 _413\"/>, ger r\u00e5d till och samarbetar med f\u00f6r<span class=\"__9 _348\"/>etagskunder f<span class=\"__9 _413\"/><span class=\"__9 _356\">\u00f6r att tillgodose alla deras aff</span><span class=\"__9 _348\"/>\u00e4rsbehov med ett helt\u00e4ckande utbud a<span class=\"__9 _413\"/>v tj\u00e4nster<span class=\"__9 _413\"/>, d\u00e4ribland betalningar<span class=\"__9 _413\"/>, likvi-<span class=\"__9 _356\"> </span>ditetshant<span class=\"__9 _348\"/>ering, kort, hantering av r<span class=\"__9 _413\"/>\u00f6relsekapital samt \ufb01nan-<span class=\"__9 _356\"> </span>sieringsl\u00f6sningar<span class=\"__9 _413\"/>. Business Banking erbjuder \u00e4ven tj\u00e4ns<span class=\"__9 _413\"/>ter s\u00e5som betalningar<span class=\"__9 _413\"/>, kort och \ufb01nansiering till privatkunder<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Large Corpor<span class=\"__9 _348\"/>ates &amp; Ins<span class=\"__9 _348\"/>titutions tillhandah\u00e5ller \ufb01nansiella l\u00f6sningar till stor<span class=\"__9 _348\"/>a nordiska och in<span class=\"__9 _348\"/>ternationella f<span class=\"__9 _413\"/>\u00f6retag och institutionella kunder<span class=\"__9 _357\"/>. Erbjudandet innefattar ett brett urval tj\u00e4nster inom \ufb01nansiering, likviditetshan<span class=\"__9 _413\"/>tering och betalning-<span class=\"__9 _356\"> </span>ar<span class=\"__9 _413\"/>, samt inve<span class=\"__9 _348\"/>stmen<span class=\"__9 _348\"/>t banking, kapitalmarknadsproduk<span class=\"__9 _413\"/>ter och v\u00e4rdepapperstj\u00e4ns<span class=\"__9 _413\"/>ter<span class=\"__9 _348\"/>. Asset &amp; W<span class=\"__9 _413\"/>ealth Management tillhandah\u00e5ller h\u00f6gklassiga l\u00f6sningar inom placeringar<span class=\"__9 _413\"/>, sparande och riskhant<span class=\"__9 _413\"/>ering till f\u00f6rm\u00f6gna priv<span class=\"__9 _413\"/>atpersoner och institutionella invest<span class=\"__9 _348\"/>erare sam<span class=\"__9 _413\"/>t l\u00f6sningar f\u00f6r spar<span class=\"__9 _413\"/>ande till samtliga kundsegment i Nor<span class=\"__9 _413\"/>dea.<span class=\"__9 _356\"> </span>R\u00f6relsein<span class=\"__9 _413\"/>t\u00e4kter f<span class=\"__9 _413\"/>\u00f6rdelade p\u00e5 produktgrupper<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _414\"> </span>2022<span class=\"__9 _369\"> </span>2021<span class=\"__9 _356\"> </span>Bankprodukt<span class=\"__9 _348\"/>er<span class=\"__9 _415\"> </span>6 835<span class=\"__9 _372\"> </span>6 189<span class=\"__9 _356\"> </span>Kapitalmarknadsproduk<span class=\"__9 _413\"/>ter<span class=\"__9 _416\"> </span>1 187<span class=\"__9 _394\"> </span>1 089<span class=\"__9 _356\"> </span>Sparprodukt<span class=\"__9 _348\"/>er och kapitalf\u00f6rvaltning<span class=\"__9 _4d_1\"> </span>1 733<span class=\"__9 _370\"> </span>1 845<span class=\"__9 _356\"> </span>Liv- och pensionsprodukt<span class=\"__9 _348\"/>er<span class=\"__9 _417\"> </span>432<span class=\"__9 _6a_1\"> </span>473<span class=\"__9 _356\"> </span><span class=\"__9 _356\">\u00d6vriga1</span><span class=\"__9 _6b_1\"> </span>-391<span class=\"__9 _6c_1\"> </span><span class=\"ls2_8 ws5_8\">24<span class=\"__9 _356\"> </span></span>Summa<span class=\"__9 _6d_1\"> </span>9 796<span class=\"__9 _1d_5\"> </span>9 620<span class=\"__9 _356\"> </span>1)   <span class=\"__9 _c_8\"/>F\u00f6rluster rela<span class=\"__9 _413\"/>terade till verksamheten i Ryssland klassi\ufb01cerade som j\u00e4mf<span class=\"__9 _413\"/>\u00f6relsest\u00f6-<span class=\"__9 _356\"> </span>rande poster (537 mn euro<span class=\"__9 _413\"/>), som ing\u00e5r i  nettoresultat av post<span class=\"__9 _413\"/>er till verkligt v\u00e4rde, \u00e4r inkluderade i \u00f6vriga.<span class=\"__9 _356\"> </span>Bankprodukt<span class=\"__9 _413\"/>erna utg\u00f6rs av tre olika produk<span class=\"__9 _413\"/>ttyper: kontopro-<span class=\"__9 _356\"> </span>dukter<span class=\"__9 _357\"/>, transaktionsproduk<span class=\"__9 _413\"/>ter och \ufb01nansieringsprodukter<span class=\"__9 _357\"/>. Kon<span class=\"__9 _413\"/>toprodukter innef<span class=\"__9 _413\"/>attar kontobaser<span class=\"__9 _413\"/>ade produkter s\u00e5som l\u00e5n, inl\u00e5ning, kort och n\u00e4tbankstj\u00e4nst<span class=\"__9 _413\"/>er. <span class=\"__9 _413\"/>T<span class=\"__9 _357\"/>ransaktionsproduk<span class=\"__9 _413\"/>-<span class=\"__9 _356\"> </span>ter utg\u00f6rs a<span class=\"__9 _348\"/>v kont<span class=\"__9 _348\"/>anthan<span class=\"__9 _413\"/>tering, handel och projekt\ufb01nansie-<span class=\"__9 _356\"> </span>ring. Finansieringsprodukt<span class=\"__9 _413\"/>er innefattar tillg\u00e5ngsbaserad \ufb01nansiering genom leasing, hyrk\u00f6p och f<span class=\"__9 _413\"/>ac<span class=\"__9 _a_8\"/>toring liksom f<span class=\"__9 _413\"/>\u00f6r-<span class=\"__9 _356\"> </span>s\u00e4ljning till \ufb01nansiella partners s\u00e5som f\u00f6rs\u00e4ljare, \u00e5terf<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>s\u00e4l-<span class=\"__9 _356\"> </span>jare och butiker<span class=\"__9 _357\"/>. Kapitalmarknadsproduk<span class=\"__9 _413\"/>ter utg\u00f6rs av \ufb01nansiella instru-<span class=\"__9 _356\"> </span>ment, eller arrangemang f<span class=\"__9 _413\"/>\u00f6r \ufb01nansiella instrument som \u00e4r till-<span class=\"__9 _356\"> </span>g\u00e4ngliga p\u00e5 \ufb01nansmarknaden, bland annat valut<span class=\"__9 _413\"/>or, r<span class=\"__9 _413\"/>\u00e5varor<span class=\"__9 _357\"/>, aktier och obliga<span class=\"__9 _348\"/>tioner<span class=\"__9 _413\"/>. Sparprodukt<span class=\"__9 _413\"/>er och kapitalf\u00f6rvaltning innef<span class=\"__9 _348\"/>attar v\u00e4r<span class=\"__9 _413\"/>depap<span class=\"__9 _a_8\"/>-<span class=\"__9 _356\"> </span>persfonder<span class=\"__9 _357\"/>, diskretion\u00e4r f\u00f6rvaltning, portf\u00f6ljr\u00e5dgivning, ak<span class=\"__9 _413\"/>tie-<span class=\"__9 _356\"> </span>handel samt liv- pensionsproduk<span class=\"__9 _413\"/>ter<span class=\"__9 _413\"/>. En v\u00e4rdepappersfond \u00e4r en produkt d\u00e4r f<span class=\"__9 _413\"/>ondbolaget invest<span class=\"__9 _348\"/>erar i ak<span class=\"__9 _348\"/>tier<span class=\"__9 _413\"/>, obligationer<span class=\"__9 _413\"/>, derivat eller andr<span class=\"__9 _413\"/>a standardiserade v\u00e4r<span class=\"__9 _413\"/>depapper/produk<span class=\"__9 _413\"/>ter p\u00e5 uppdrag a<span class=\"__9 _413\"/>v fondens andels\u00e4gare. Diskretion\u00e4r f<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>valtning \u00e4r en tj\u00e4nst som innef<span class=\"__9 _413\"/>attar f\u00f6rvaltning a<span class=\"__9 _413\"/>v en v\u00e4rdepappers-<span class=\"__9 _356\"> </span>portf\u00f6lj f<span class=\"__9 _348\"/>\u00f6r kundens r\u00e4kning. P<span class=\"__9 _413\"/>or<span class=\"__9 _a_8\"/>tf\u00f6ljr<span class=\"__9 _413\"/>\u00e5dgivning \u00e4r en tj\u00e4nst som erbjuds f\u00f6r a<span class=\"__9 _413\"/>tt hj\u00e4lpa kunderna i deras placeringsbeslut. Liv- och pensionsomr\u00e5det erbjuder livf\u00f6rs\u00e4kringar och pensionsprodukt<span class=\"__9 _413\"/>er/-tj\u00e4nster<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Geogra\ufb01sk in<span class=\"__9 _413\"/>formation<span class=\"__9 _356\"> </span>Summa r\u00f6relseint\u00e4k<span class=\"__9 _413\"/>ter,  mn euro<span class=\"__9 _356\"> </span>Tillg\u00e5ngar<span class=\"__9 _413\"/>,  md euro<span class=\"__9 _356\"> </span>2022<span class=\"__9 _2c_3\"> </span>2021<span class=\"__9 _6f_1\"> </span>31 dec 2022<span class=\"__9 _391\"> </span>31 dec 2021<span class=\"__9 _356\"> </span>Sverige<span class=\"__9 _418\"> </span>2 978<span class=\"__9 _381\"> </span>2 741<span class=\"__9 _1d_5\"> </span>162<span class=\"__9 _1d_5\"> </span>163<span class=\"__9 _356\"> </span>Finland <span class=\"__9 _419\"> </span>1 647<span class=\"__9 _367\"> </span>1 7<span class=\"__9 _413\"/>41<span class=\"__9 _394\"> </span><span class=\"ls3_8 ws6_8\">147<span class=\"__9 _1d_5\"> </span>140<span class=\"__9 _356\"> </span></span>Norge<span class=\"__9 _420\"> </span>1 968<span class=\"__9 _3d_3\"> </span>1 879<span class=\"__9 _371\"> </span>104<span class=\"__9 _394\"> </span>107<span class=\"__9 _356\"> </span>Danmark<span class=\"__9 _421\"> </span>2 653<span class=\"__9 _383\"> </span>2 789<span class=\"__9 _394\"> </span><span class=\"ls3_8 ws6_8\">170<span class=\"__9 _370\"> </span>151<span class=\"__9 _356\"> </span></span>\u00d6vriga <span class=\"__9 _422\"> </span>550<span class=\"__9 _358\"> </span>470<span class=\"__9 _382\"> </span>12<span class=\"__9 _397\"> </span>9<span class=\"__9 _356\"> </span>Summa<span class=\"__9 _423\"> </span>9 796<span class=\"__9 _399\"> </span>9 620<span class=\"__9 _387\"> </span>595<span class=\"__9 _371\"> </span><span class=\"ls3_8 ws6_8\">570<span class=\"__9 _356\"> </span></span>Nordeas huvudsakliga geogra\ufb01sk<span class=\"__9 _348\"/>a marknad utg\u00f6rs av de nordiska l\u00e4nderna. In<span class=\"__9 _348\"/>t\u00e4kt<span class=\"__9 _348\"/>er samt kortfris<span class=\"__9 _413\"/>tiga och l\u00e5ngfristiga tillg\u00e5ngar f\u00f6r<span class=\"__9 _348\"/>delas p\u00e5 geogra\ufb01ska omr<span class=\"__9 _413\"/>\u00e5den utifr\u00e5n var kund-<span class=\"__9 _356\"> </span>verksamheten bedrivs. Goodwill f<span class=\"__9 _413\"/>\u00f6rdelas p\u00e5 l\u00e4nder utifr\u00e5n var <span class=\"__9 _356\">aff\u00e4rsv</span><span class=\"__9 _348\"/>erksamheten i de f\u00f6rv\u00e4rvade enhet<span class=\"__9 _348\"/>erna bedrivs.<span class=\"__9 _356\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEntitysReportableSegmentsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-557": {
   "value": "K2.1 Segmentrapportering Redovisningsprinciper Ett r\u00f6relsesegment utg\u00f6r en del av Nordea som genererar int\u00e4kter och kostnader som regelbundet rapporteras till h\u00f6g- sta verkst\u00e4llande beslutsfattare och d\u00e4r de rapporterade upp- gifterna anv\u00e4nds som beslutsunderlag i fr\u00e5gor som r\u00f6r verksamheten. V\u00e4rderingsprinciper och allokeringar mellan r\u00f6relseseg- menten f\u00f6ljer, i enlighet med IFRS 8, den information som rapporteras till den h\u00f6gsta verkst\u00e4llande beslutsfattaren. I Nordea de\ufb01nieras h\u00f6gsta verkst\u00e4llande beslutsfattare som koncernchefen, som bist\u00e5s av de \u00f6vriga medlemmarna i koncernledningen. Nordea l\u00e4mnar upplysningar separat om varje r\u00f6relseseg- ment som har identi\ufb01erats som ett r\u00f6relsesegment, f\u00f6rutsatt att f\u00f6ljande kvantitativa gr\u00e4nsv\u00e4rden har uppn\u00e5tts: \u2022  Segmentets int\u00e4kter (interna och externa) utg\u00f6r 10 procent eller mer av de samlade int\u00e4kterna (interna och externa) f\u00f6r alla r\u00f6relsesegment \u2022  Segmentets resultat utg\u00f6r 10 procent eller mer av det  st\u00f6rre (i absoluta tal) av: - den samlade vinsten f\u00f6r alla l\u00f6nsamma segment, eller - den samlade f\u00f6rlusten f\u00f6r alla segment som redovisat en f\u00f6rlust \u2022  Segmentets tillg\u00e5ngar utg\u00f6r 10 procent eller mer av de sam- lade tillg\u00e5ngarna f\u00f6r alla r\u00f6relsesegment. Tv\u00e5 eller fler r\u00f6relsesegment sl\u00e5s samman till ett r\u00f6relseseg- ment om segmenten har likartade ekonomiska egenskaper och \u00e4ven liknar varandra med avseende p\u00e5 produkter och tj\u00e4nster, produktionsprocesser, kunder, distributionss\u00e4tt och regelverk. Information om annan aff\u00e4rsverksamhet och r\u00f6relseseg- ment som inte har redovisats separat sammanf\u00f6rs i en egen kategori \u2013 \u201d\u00d6vriga r\u00f6relsesegment\u201d \u2013 f\u00f6r vilken upplysningar l\u00e4mnas. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSegmentReportingExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-558": {
   "value": "Resul<span class=\"__9 _348\"/>tatr<span class=\"__9 _348\"/>\u00e4kning 2022<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _356\"> </span>Personal<span class=\"__9 _356\"> </span> banking<span class=\"__9 _356\"> </span>Business<span class=\"__9 _356\"> </span> Banking<span class=\"__9 _356\"> </span> Large <span class=\"__9 _c_8\"/> Corporates &amp;<span class=\"__9 _356\"> </span> Institutions<span class=\"__9 _356\"> </span>Asset &amp;<span class=\"__9 _356\"> </span> Wealth <span class=\"__9 _c_8\"/> Management<span class=\"__9 _356\"> </span>\u00d6vriga <span class=\"__9 _c_8\"/> r\u00f6relse-<span class=\"__9 _356\"> </span> segment<span class=\"__9 _356\"> </span>Summa<span class=\"__9 _356\"> </span> r\u00f6relse-<span class=\"__9 _356\"> </span>segment<span class=\"__9 _d_8\"> </span>A<span class=\"__9 _348\"/>vst\u00e4mning<span class=\"__9 _356\"> </span>Summa<span class=\"__9 _356\"> </span> koncernen<span class=\"__9 _356\"> </span>R\u00e4ntenetto<span class=\"__9 _356\"> </span>2 559<span class=\"__9 _e_8\"> </span>1 940<span class=\"__9 _f_8\"> </span>1 159<span class=\"__9 _358\"> </span>169<span class=\"__9 _359\"> </span>-95<span class=\"__9 _360\"> </span>5 732<span class=\"__9 _361\"> </span>-68<span class=\"__9 _362\"> </span>5 664<span class=\"__9 _356\"> </span>A<span class=\"__9 _348\"/>vgifts- och pro<span class=\"__9 _348\"/>visionsnetto<span class=\"__9 _356\"> </span>1 215<span class=\"__9 _363\"> </span>645<span class=\"__9 _364\"> </span>461<span class=\"__9 _365\"> </span>1 073<span class=\"__9 _366\"> </span><span class=\"ls2_8 ws5_8\">-22<span class=\"__9 _360\"> </span></span>3 37<span class=\"__9 _a_8\"/>2<span class=\"__9 _367\"> </span>-36<span class=\"__9 _1a_5\"> </span>3 336<span class=\"__9 _356\"> </span>Nettoresulta<span class=\"__9 _348\"/>t av pos<span class=\"__9 _348\"/>ter till verkligt v\u00e4r<span class=\"__9 _348\"/>de<span class=\"__9 _356\"> </span>142<span class=\"__9 _1b_5\"> </span><span class=\"ls0_9 ws0_9\">386<span class=\"__9 _367\"> </span>569<span class=\"__9 _1c_5\"> </span>36<span class=\"__9 _1d_5\"> </span>95<span class=\"__9 _1e_5\"> </span>1 228<span class=\"__9 _f_8\"> </span>-507<span class=\"__9 _361\"> </span>7<span class=\"__9 _a_8\"/>21<span class=\"__9 _356\"> </span></span>Andelar i intresse<span class=\"__9 _348\"/>f\u00f6retags och join<span class=\"__9 _348\"/>t ven<span class=\"__9 _348\"/>tures resul<span class=\"__9 _348\"/>tat<span class=\"__9 _356\"> </span> enligt kapitalandelsmetoden<span class=\"__9 _356\"> </span>0<span class=\"__9 _1f_5\"> </span>1<span class=\"__9 _368\"> </span>0<span class=\"__9 _369\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _370\"> </span><span class=\"ls4_8 ws7_8\">-4<span class=\"__9 _371\"> </span>-4<span class=\"__9 _371\"> </span>-4<span class=\"__9 _371\"> </span></span></span>-8<span class=\"__9 _356\"> </span>\u00d6vriga r\u00f6relsein<span class=\"__9 _348\"/>t\u00e4kter<span class=\"__9 _356\"> </span>5<span class=\"__9 _364\"> </span>34<span class=\"__9 _372\"> </span>16<span class=\"__9 _373\"> </span>1<span class=\"__9 _374\"> </span>0<span class=\"__9 _375\"> </span>56<span class=\"__9 _358\"> </span>27<span class=\"__9 _375\"> </span>83<span class=\"__9 _356\"> </span>Summa r\u00f6relsein<span class=\"__9 _348\"/>t\u00e4kter<span class=\"__9 _356\"> </span>3 921<span class=\"__9 _376\"> </span>3 006<span class=\"__9 _377\"> </span>2 205<span class=\"__9 _365\"> </span>1 278<span class=\"__9 _359\"> </span><span class=\"ls2_8 ws5_8\">-26<span class=\"__9 _2a_3\"> </span></span>10 384<span class=\"__9 _2b_3\"> </span>-588<span class=\"__9 _362\"> </span>9 796<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _348\"/>v int<span class=\"__9 _348\"/><span class=\"__9 _356\">erna transaktioner1<span class=\"__9 _356\"> </span></span>-460<span class=\"__9 _2b_3\"> </span>-<span class=\"__9 _348\"/>134<span class=\"__9 _2c_3\"> </span>-35<span class=\"__9 _2d_3\"> </span><span class=\"ls3_8 ws6_8\">57<span class=\"__9 _364\"> </span>572<span class=\"__9 _2e_3\"> </span></span>0<span class=\"__9 _2f_3\"> </span>\u2013<span class=\"__9 _2f_3\"> </span>\u2013<span class=\"__9 _356\"> </span>Personalkostnader<span class=\"__9 _356\"> </span>-594<span class=\"__9 _360\"> </span>-400<span class=\"__9 _365\"> </span>-325<span class=\"__9 _361\"> </span><span class=\"ls4_8 ws7_8\">-439<span class=\"__9 _361\"> </span></span>-112<span class=\"__9 _378\"> </span>-1 870<span class=\"__9 _379\"> </span>-965<span class=\"__9 _376\"> </span>-2 835<span class=\"__9 _356\"> </span>\u00d6vriga kostnader<span class=\"__9 _356\"> </span>-1 14<span class=\"__9 _a_8\"/>2<span class=\"__9 _2b_3\"> </span><span class=\"ls5_8 ws8_8\">-7<span class=\"__9 _a_8\"/>27<span class=\"__9 _380\"> </span><span class=\"ls0_9 ws0_9\">-372<span class=\"__9 _364\"> </span>-<span class=\"__9 _348\"/>104<span class=\"__9 _364\"> </span><span class=\"ls3_8 ws6_8\">142<span class=\"__9 _378\"> </span></span>-2 203<span class=\"__9 _1a_5\"> </span>1 068<span class=\"__9 _362\"> </span>-1 135<span class=\"__9 _356\"> </span></span></span>Lagstadgade a<span class=\"__9 _348\"/>vgifter<span class=\"__9 _356\"> </span>-101<span class=\"__9 _365\"> </span>-92<span class=\"__9 _381\"> </span><span class=\"ls2_8 ws5_8\">-124<span class=\"__9 _382\"> </span></span>-5<span class=\"__9 _374\"> </span>0<span class=\"__9 _363\"> </span>-322<span class=\"__9 _2e_3\"> </span>0<span class=\"__9 _f_8\"> </span>-322<span class=\"__9 _356\"> </span>A<span class=\"__9 _348\"/>v- och nedskrivningar a<span class=\"__9 _348\"/>v  materiella och immat<span class=\"__9 _348\"/>eriella tillg\u00e5ngar<span class=\"__9 _356\"> </span>-81<span class=\"__9 _380\"> </span>-32<span class=\"__9 _375\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _a_8\"/>1<span class=\"__9 _1f_5\"> </span>-21<span class=\"__9 _1f_5\"> </span></span>-5<span class=\"__9 _f_8\"> </span>-160<span class=\"__9 _363\"> </span><span class=\"ls3_8 ws6_8\">-<span class=\"__9 _a_8\"/>451<span class=\"__9 _383\"> </span></span>-611<span class=\"__9 _356\"> </span>Summa r\u00f6relsekos<span class=\"__9 _348\"/>tnader<span class=\"__9 _356\"> </span>-1 918<span class=\"__9 _384\"> </span><span class=\"ls3_8 ws6_8\">-1 251<span class=\"__9 _383\"> </span></span>-842<span class=\"__9 _361\"> </span>-569<span class=\"__9 _1d_5\"> </span><span class=\"ls6_8 ws9_8\">25<span class=\"__9 _384\"> </span></span>-4 555<span class=\"__9 _2b_3\"> </span>-348<span class=\"__9 _385\"> </span>-4 903<span class=\"__9 _356\"> </span>Resulta<span class=\"__9 _348\"/>t f\u00f6r<span class=\"__9 _348\"/>e kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _356\"> </span>2 003<span class=\"__9 _362\"> </span>1 755<span class=\"__9 _2b_3\"> </span>1 363<span class=\"__9 _366\"> </span>709<span class=\"__9 _2f_3\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _386\"> </span></span>5 829<span class=\"__9 _2b_3\"> </span>-936<span class=\"__9 _362\"> </span>4 893<span class=\"__9 _356\"> </span>Nettoresulta<span class=\"__9 _348\"/>t av utl\u00e5ning i portf<span class=\"__9 _348\"/>\u00f6ljer som h\u00e5lls till<span class=\"__9 _356\"> </span> f\u00f6rfall och obliga<span class=\"__9 _348\"/>toriskt v<span class=\"__9 _348\"/>\u00e4rderas till v<span class=\"__9 _348\"/>erkligt v\u00e4rde<span class=\"__9 _356\"> </span>-3<span class=\"__9 _2c_3\"> </span>-9<span class=\"__9 _368\"> </span>0<span class=\"__9 _369\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _374\"> </span></span>0<span class=\"__9 _364\"> </span><span class=\"ls3_8 ws6_8\">-13<span class=\"__9 _2e_3\"> </span></span>0<span class=\"__9 _364\"> </span><span class=\"ls3_8 ws6_8\">-13<span class=\"__9 _356\"> </span></span>Kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _348\"/>, nett<span class=\"__9 _348\"/>o<span class=\"__9 _356\"> </span>-53<span class=\"__9 _365\"> </span><span class=\"ls4_8 ws7_8\">-42<span class=\"__9 _372\"> </span></span>55<span class=\"__9 _382\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _370\"> </span><span class=\"ls4_8 ws7_8\">-4<span class=\"__9 _367\"> </span></span></span>-45<span class=\"__9 _367\"> </span>-67<span class=\"__9 _365\"> </span>-112<span class=\"__9 _356\"> </span>R\u00f6relser<span class=\"__9 _348\"/>esultat<span class=\"__9 _356\"> </span>1 947<span class=\"__9 _e_8\"> </span>1 704<span class=\"__9 _379\"> </span>1 418<span class=\"__9 _387\"> </span>707<span class=\"__9 _370\"> </span>-5<span class=\"__9 _3a_4\"> </span>5 771<span class=\"__9 _376\"> </span>-1 003<span class=\"__9 _362\"> </span>4 768<span class=\"__9 _356\"> </span>Skatt<span class=\"__9 _356\"> </span>-448<span class=\"__9 _3a_4\"> </span><span class=\"ls0_9 ws0_9\">-392<span class=\"__9 _383\"> </span>-326<span class=\"__9 _364\"> </span>-163<span class=\"__9 _369\"> </span>1<span class=\"__9 _e_8\"> </span>-1 328<span class=\"__9 _361\"> </span>155<span class=\"__9 _362\"> </span><span class=\"ls3_8 ws6_8\">-1 17<span class=\"__9 _a_8\"/>3<span class=\"__9 _356\"> </span></span></span>\u00c5rets result<span class=\"__9 _348\"/>at<span class=\"__9 _356\"> </span>1 499<span class=\"__9 _386\"> </span>1 312<span class=\"__9 _377\"> </span>1 092<span class=\"__9 _366\"> </span>544<span class=\"__9 _372\"> </span><span class=\"ls4_8 ws7_8\">-4<span class=\"__9 _3b_3\"> </span></span>4 443<span class=\"__9 _377\"> </span>-84<span class=\"__9 _a_8\"/>8<span class=\"__9 _386\"> </span>3 595<span class=\"__9 _356\"> </span><span class=\"__9 _356\">Balansr\u00e4kning 31 dec 20222, md euro<span class=\"__9 _356\"> </span></span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__9 _3c_3\"> </span><span class=\"ls3_8 ws6_8\">175<span class=\"__9 _f_8\"> </span></span>100<span class=\"__9 _370\"> </span>54<span class=\"__9 _374\"> </span><span class=\"ff3_8\">12<span class=\"__9 _2e_3\"> </span></span>\u2013<span class=\"__9 _361\"> </span>341<span class=\"__9 _2d_3\"> </span>5<span class=\"__9 _3d_3\"> </span>346<span class=\"__9 _356\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__9 _3e_3\"> </span>88<span class=\"__9 _367\"> </span><span class=\"ls3_8 ws6_8\">57<span class=\"__9 _2f_3\"> </span></span>53<span class=\"__9 _374\"> </span><span class=\"ff3_8\">13<span class=\"__9 _2e_3\"> </span></span>\u2013<span class=\"__9 _3f_3\"> </span>211<span class=\"__9 _1c_5\"> </span>6<span class=\"__9 _3f_3\"> </span><span class=\"ls3_8 ws6_8\">217<span class=\"__9 _356\"> </span></span>1)   <span class=\"__9 _c_8\"/>IFRS 8 kr\u00e4ver in<span class=\"__9 _348\"/>formation om in<span class=\"__9 _348\"/>t\u00e4kter f<span class=\"__9 _348\"/>r\u00e5n transak<span class=\"__9 _348\"/>tioner med andra r\u00f6relsesegmen<span class=\"__9 _348\"/>t. Nordea har de\ufb01nierat segmen<span class=\"__9 _348\"/>tinterna in<span class=\"__9 _348\"/>t\u00e4kter som in<span class=\"__9 _348\"/>terna r\u00e4n<span class=\"__9 _348\"/>teint\u00e4k<span class=\"__9 _348\"/>ter och r\u00e4n<span class=\"__9 _348\"/>tekostnader<span class=\"__9 _356\"> </span> relaterade till r<span class=\"__9 _348\"/>\u00f6relsesegment<span class=\"__9 _348\"/>ens \ufb01nansiering genom internbanken inom Gr<span class=\"__9 _348\"/>oup Finance.<span class=\"__9 _356\"> </span> 2)   <span class=\"__9 _c_8\"/>H\u00f6gsta verkst\u00e4llande beslutsf<span class=\"__9 _348\"/>attaren gransk<span class=\"__9 _348\"/>ar \u201dUtl\u00e5ning till allm\u00e4nheten\u201d och \u201dIn- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten\u201d som m\u00e4<span class=\"__9 _348\"/>tpunkter f<span class=\"__9 _348\"/>\u00f6r de rapporterbara r\u00f6r<span class=\"__9 _348\"/>elsesegmentens t<span class=\"__9 _348\"/>otala<span class=\"__9 _356\"> </span> tillg\u00e5ngar och skulder och som konsekvens d\u00e4r<span class=\"__9 _348\"/>av \u00e4r dessa pos<span class=\"__9 _348\"/>ter redovisade separa<span class=\"__9 _348\"/>t<span class=\"__9 _356\"> </span>Resul<span class=\"__9 _348\"/>tatr<span class=\"__9 _348\"/>\u00e4kning 2021<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _356\"> </span>Personal<span class=\"__9 _356\"> </span>banking<span class=\"__9 _356\"> </span>Business<span class=\"__9 _356\"> </span>Banking<span class=\"__9 _356\"> </span>Large <span class=\"__9 _c_8\"/> Corporates &amp;<span class=\"__9 _356\"> </span>Institutions<span class=\"__9 _356\"> </span>Asset &amp;<span class=\"__9 _356\"> </span>Wealth <span class=\"__9 _c_8\"/> Management<span class=\"__9 _356\"> </span>\u00d6vriga <span class=\"__9 _c_8\"/> r\u00f6relse-<span class=\"__9 _356\"> </span>segment<span class=\"__9 _356\"> </span>Summa<span class=\"__9 _356\"> </span>r\u00f6relse-<span class=\"__9 _356\"> </span>segment<span class=\"__9 _d_8\"> </span>A<span class=\"__9 _348\"/>vst\u00e4mning<span class=\"__9 _356\"> </span>Summa<span class=\"__9 _356\"> </span>koncernen<span class=\"__9 _356\"> </span>R\u00e4ntenetto<span class=\"__9 _400\"> </span>2 244<span class=\"__9 _e_8\"> </span>1 600<span class=\"__9 _367\"> </span>942<span class=\"__9 _2d_3\"> </span><span class=\"ls4_8 ws7_8\">77<span class=\"__9 _2c_3\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _a_8\"/>0<span class=\"__9 _386\"> </span></span></span>4 853<span class=\"__9 _387\"> </span><span class=\"ls8_8 wsa_8\">72<span class=\"__9 _362\"> </span></span>4 925<span class=\"__9 _356\"> </span>A<span class=\"__9 _348\"/>vgifts- och pro<span class=\"__9 _348\"/>visionsnetto<span class=\"__9 _401\"> </span>1 217<span class=\"__9 _363\"> </span>639<span class=\"__9 _3f_3\"> </span>539<span class=\"__9 _3f_3\"> </span>1 111<span class=\"__9 _2c_3\"> </span><span class=\"ls3_8 ws6_8\">-10<span class=\"__9 _362\"> </span></span>3 496<span class=\"__9 _372\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _386\"> </span></span>3 495<span class=\"__9 _356\"> </span>Nettoresulta<span class=\"__9 _348\"/>t av pos<span class=\"__9 _348\"/>ter till verkligt v\u00e4r<span class=\"__9 _348\"/>de<span class=\"__9 _402\"> </span><span class=\"ls3_8 ws6_8\">148<span class=\"__9 _363\"> </span></span>306<span class=\"__9 _364\"> </span><span class=\"ls2_8 ws5_8\">524<span class=\"__9 _374\"> </span></span>61<span class=\"__9 _3f_3\"> </span>232<span class=\"__9 _2b_3\"> </span>1 271<span class=\"__9 _399\"> </span><span class=\"ls3_8 ws6_8\">-152<span class=\"__9 _2b_3\"> </span></span>1 119<span class=\"__9 _356\"> </span>Andelar i intresse<span class=\"__9 _348\"/>f\u00f6retags och join<span class=\"__9 _348\"/>t ven<span class=\"__9 _348\"/>tures resul<span class=\"__9 _348\"/>tat<span class=\"__9 _356\"> </span>enligt kapitalandelsmetoden<span class=\"__9 _403\"> </span><span class=\"ls0_9\">0<span class=\"__9 _1f_5\"> </span>1<span class=\"__9 _368\"> </span>0<span class=\"__9 _373\"> </span>1<span class=\"__9 _1f_5\"> </span>-5<span class=\"__9 _1d_5\"> </span>-3<span class=\"__9 _1d_5\"> </span>-3<span class=\"__9 _371\"> </span>-6<span class=\"__9 _356\"> </span></span>\u00d6vriga r\u00f6relsein<span class=\"__9 _348\"/>t\u00e4kter<span class=\"__9 _404\"> </span><span class=\"ls3_8 ws6_8\">14<span class=\"__9 _364\"> </span></span>34<span class=\"__9 _368\"> </span>4<span class=\"__9 _397\"> </span>2<span class=\"__9 _374\"> </span>6<span class=\"__9 _366\"> </span>60<span class=\"__9 _358\"> </span>27<span class=\"__9 _375\"> </span>87<span class=\"__9 _356\"> </span>Summa r\u00f6relsein<span class=\"__9 _348\"/>t\u00e4kter<span class=\"__9 _405\"> </span>3 623<span class=\"__9 _378\"> </span>2 580<span class=\"__9 _1e_5\"> </span>2 009<span class=\"__9 _365\"> </span>1 2<span class=\"__9 _a_8\"/>52<span class=\"__9 _364\"> </span>213<span class=\"__9 _386\"> </span>9 67<span class=\"__9 _a_8\"/>7<span class=\"__9 _3f_3\"> </span><span class=\"ls3_8 ws6_8\">-57<span class=\"__9 _3b_3\"> </span></span>9 620<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _348\"/>v int<span class=\"__9 _348\"/><span class=\"__9 _356\">erna transaktioner1</span><span class=\"__9 _406\"> </span><span class=\"ls2_8 ws5_8\">-25<span class=\"__9 _a_8\"/>2<span class=\"__9 _381\"> </span><span class=\"ls5_8 ws8_8\">-75<span class=\"__9 _381\"> </span></span></span>-135<span class=\"__9 _394\"> </span>-32<span class=\"__9 _361\"> </span>494<span class=\"__9 _2f_3\"> </span>0<span class=\"__9 _2f_3\"> </span>\u2013<span class=\"__9 _2f_3\"> </span>\u2013<span class=\"__9 _356\"> </span>Personalkostnader<span class=\"__9 _407\"> </span><span class=\"ls3_8 ws6_8\">-577<span class=\"__9 _5a_1\"> </span></span>-411<span class=\"__9 _3d_3\"> </span>-318<span class=\"__9 _3f_3\"> </span><span class=\"ls3_8 ws6_8\">-4<span class=\"__9 _a_8\"/>57<span class=\"__9 _359\"> </span></span>-92<span class=\"__9 _e_8\"> </span>-1 855<span class=\"__9 _2b_3\"> </span>-904<span class=\"__9 _378\"> </span>-2 759<span class=\"__9 _356\"> </span>\u00d6vriga kostnader<span class=\"__9 _398\"> </span>-<span class=\"__9 _348\"/>1 126<span class=\"__9 _377\"> </span>-691<span class=\"__9 _365\"> </span>-353<span class=\"__9 _1d_5\"> </span>-62<span class=\"__9 _3f_3\"> </span>184<span class=\"__9 _384\"> </span>-2 048<span class=\"__9 _386\"> </span>1 046<span class=\"__9 _5b_1\"> </span>-1 002<span class=\"__9 _356\"> </span>Lagstadgade a<span class=\"__9 _348\"/>vgifter<span class=\"__9 _5c_1\"> </span>-62<span class=\"__9 _365\"> </span>-58<span class=\"__9 _3d_3\"> </span>-103<span class=\"__9 _382\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _369\"> </span></span>1<span class=\"__9 _363\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _a_8\"/>24<span class=\"__9 _2e_3\"> </span></span>0<span class=\"__9 _363\"> </span><span class=\"ls2_8 ws5_8\">-224<span class=\"__9 _356\"> </span></span>A<span class=\"__9 _348\"/>v- och nedskrivningar a<span class=\"__9 _348\"/>v materiella och immat<span class=\"__9 _348\"/>eriella tillg\u00e5ngar<span class=\"__9 _5d_1\"> </span>-80<span class=\"__9 _365\"> </span>-36<span class=\"__9 _2c_3\"> </span><span class=\"ls2_8 ws5_8\">-20<span class=\"__9 _372\"> </span><span class=\"ls3_8 ws6_8\">-18<span class=\"__9 _1f_5\"> </span></span></span>-5<span class=\"__9 _1b_5\"> </span>-159<span class=\"__9 _5a_1\"> </span>-505<span class=\"__9 _2b_3\"> </span>-664<span class=\"__9 _356\"> </span>Summa r\u00f6relsekos<span class=\"__9 _348\"/>tnader<span class=\"__9 _5e_1\"> </span>-1 845<span class=\"__9 _2a_3\"> </span>-1 196<span class=\"__9 _383\"> </span><span class=\"ls9_8 wsb_8\">-7<span class=\"__9 _a_8\"/>94<span class=\"__9 _3f_3\"> </span></span>-539<span class=\"__9 _358\"> </span>88<span class=\"__9 _385\"> </span>-4 286<span class=\"__9 _5a_1\"> </span>-363<span class=\"__9 _2a_3\"> </span>-4 649<span class=\"__9 _356\"> </span>Resulta<span class=\"__9 _348\"/>t f\u00f6r<span class=\"__9 _348\"/>e kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _4a_1\"> </span>1 778<span class=\"__9 _e_8\"> </span>1 384<span class=\"__9 _f_8\"> </span>1 215<span class=\"__9 _1d_5\"> </span>713<span class=\"__9 _3f_3\"> </span>301<span class=\"__9 _360\"> </span>5 391<span class=\"__9 _2b_3\"> </span>-420<span class=\"__9 _360\"> </span>4 971<span class=\"__9 _356\"> </span>Nettoresulta<span class=\"__9 _348\"/>t av utl\u00e5ning i portf<span class=\"__9 _348\"/>\u00f6ljer som h\u00e5lls till<span class=\"__9 _356\"> </span>f\u00f6rfall och obliga<span class=\"__9 _348\"/>toriskt v<span class=\"__9 _348\"/>\u00e4rderas till v<span class=\"__9 _348\"/>erkligt v\u00e4rde<span class=\"__9 _383\"> </span>47<span class=\"__9 _2c_3\"> </span>31<span class=\"__9 _368\"> </span>4<span class=\"__9 _373\"> </span>1<span class=\"__9 _374\"> </span>0<span class=\"__9 _375\"> </span>83<span class=\"__9 _2e_3\"> </span>0<span class=\"__9 _366\"> </span>83<span class=\"__9 _356\"> </span>Kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _348\"/>, nett<span class=\"__9 _348\"/>o<span class=\"__9 _404\"> </span>-63<span class=\"__9 _3d_3\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _a_8\"/>6<span class=\"__9 _387\"> </span>-21<span class=\"__9 _5f_1\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _370\"> </span></span></span>-9<span class=\"__9 _1b_5\"> </span>-120<span class=\"__9 _1c_5\"> </span>2<span class=\"__9 _399\"> </span>-118<span class=\"__9 _356\"> </span>R\u00f6relser<span class=\"__9 _348\"/>esultat<span class=\"__9 _408\"> </span>1 762<span class=\"__9 _e_8\"> </span>1 389<span class=\"__9 _2b_3\"> </span>1 198<span class=\"__9 _1d_5\"> </span>713<span class=\"__9 _367\"> </span>292<span class=\"__9 _386\"> </span>5 354<span class=\"__9 _5a_1\"> </span>-418<span class=\"__9 _362\"> </span>4 936<span class=\"__9 _356\"> </span>Skatt<span class=\"__9 _409\"> </span><span class=\"ls4_8 ws7_8\">-423<span class=\"__9 _3a_4\"> </span></span>-333<span class=\"__9 _383\"> </span>-288<span class=\"__9 _366\"> </span><span class=\"ls3_8 ws6_8\">-171<span class=\"__9 _2c_3\"> </span><span class=\"ls5_8 ws8_8\">-7<span class=\"__9 _a_8\"/>0<span class=\"__9 _e_8\"> </span></span></span>-1 285<span class=\"__9 _381\"> </span>180<span class=\"__9 _410\"> </span>-1 105<span class=\"__9 _356\"> </span>\u00c5rets result<span class=\"__9 _348\"/>at<span class=\"__9 _411\"> </span>1 339<span class=\"__9 _e_8\"> </span>1 056<span class=\"__9 _3f_3\"> </span>910<span class=\"__9 _375\"> </span>542<span class=\"__9 _364\"> </span>222<span class=\"__9 _410\"> </span>4 069<span class=\"__9 _5a_1\"> </span><span class=\"ls2_8 ws5_8\">-23<span class=\"__9 _a_8\"/>8<span class=\"__9 _360\"> </span></span>3 831<span class=\"__9 _356\"> </span><span class=\"__9 _356\">Balansr\u00e4kning 31 dec 20212, md euro<span class=\"__9 _356\"> </span></span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__9 _412\"> </span><span class=\"ls3_8 ws6_8\">170<span class=\"__9 _361\"> </span></span>96<span class=\"__9 _370\"> </span>45<span class=\"__9 _382\"> </span>11<span class=\"__9 _2e_3\"> </span>\u2013<span class=\"__9 _361\"> </span>322<span class=\"__9 _358\"> </span><span class=\"ls4_8 ws7_8\">23<span class=\"__9 _380\"> </span></span>345<span class=\"__9 _356\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__9 _3e_3\"> </span>84<span class=\"__9 _367\"> </span>55<span class=\"__9 _370\"> </span>50<span class=\"__9 _374\"> </span>12<span class=\"__9 _1c_5\"> </span>\u2013<span class=\"__9 _361\"> </span>201<span class=\"__9 _2d_3\"> </span>5<span class=\"__9 _3d_3\"> </span>206<span class=\"__9 _356\"> </span>1)   <span class=\"__9 _c_8\"/>IFRS 8 kr\u00e4ver in<span class=\"__9 _348\"/>formation om in<span class=\"__9 _348\"/>t\u00e4kter f<span class=\"__9 _348\"/>r\u00e5n transak<span class=\"__9 _348\"/>tioner med andra r\u00f6relsesegmen<span class=\"__9 _348\"/>t. Nordea har de\ufb01nierat segmen<span class=\"__9 _348\"/>tinterna in<span class=\"__9 _348\"/>t\u00e4kter som in<span class=\"__9 _348\"/>terna r\u00e4n<span class=\"__9 _348\"/>teint\u00e4k<span class=\"__9 _348\"/>ter och r\u00e4n<span class=\"__9 _348\"/>tekostnader<span class=\"__9 _356\"> </span>relaterade till r<span class=\"__9 _348\"/>\u00f6relsesegment<span class=\"__9 _348\"/>ens \ufb01nansiering genom internbanken inom Gr<span class=\"__9 _348\"/>oup Finance.<span class=\"__9 _356\"> </span>2)   <span class=\"__9 _c_8\"/>H\u00f6gsta verkst\u00e4llande beslutsf<span class=\"__9 _348\"/>attaren gransk<span class=\"__9 _348\"/>ar \u201dUtl\u00e5ning till allm\u00e4nheten\u201d och \u201dIn- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten\u201d som m\u00e4<span class=\"__9 _348\"/>tpunkter f<span class=\"__9 _348\"/>\u00f6r de rapporterbara r\u00f6r<span class=\"__9 _348\"/>elsesegmentens t<span class=\"__9 _348\"/>otala<span class=\"__9 _356\"> </span>tillg\u00e5ngar och skulder och som konsekvens d\u00e4r<span class=\"__9 _348\"/>av \u00e4r dessa pos<span class=\"__9 _348\"/>ter redovisade separa<span class=\"__9 _348\"/>t.<span class=\"__9 _356\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfProfitLossFromOperatingActivitiesExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-559": {
   "value": "K2.2 R\u00e4ntenetto<span class=\"__9 _356\"> </span>Redovisningsprinciper R\u00e4nta utg\u00f6rs a<span class=\"__9 _413\"/>v ers\u00e4ttning f\u00f6r pengars tidsv\u00e4rde plus en mar-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">ginal. Effek</span><span class=\"__9 _413\"/>tivr\u00e4ntan motsv<span class=\"__9 _413\"/>arar den r\u00e4nta som an<span class=\"__9 _413\"/>v\u00e4nds f\u00f6r att diskont<span class=\"__9 _413\"/>era f\u00f6rv\u00e4ntade f<span class=\"__9 _413\"/>ramtida kassafl\u00f6den till redo<span class=\"__9 _413\"/>visat v\u00e4rde p\u00e5 den \ufb01nansiella tillg\u00e5ngen eller sk<span class=\"__9 _413\"/>ulden vid f\u00f6rsta redovisnings<span class=\"__9 _348\"/>tillf\u00e4llet.<span class=\"__9 _356\"> </span>R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter och r\u00e4n<span class=\"__9 _413\"/>tekostnader ber\u00e4knas och redo<span class=\"__9 _413\"/>visas <span class=\"__9 _356\">med effek</span><span class=\"__9 _413\"/>tivr\u00e4ntemetoden eller<span class=\"__9 _357\"/>, om s\u00e5 anses l\u00e4mpligt, med en metod som ger en rimlig uppskattning a<span class=\"__9 _413\"/>v vad en ber\u00e4k<span class=\"__9 _413\"/>-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">ning grundad p\u00e5 effek</span><span class=\"__9 _413\"/>tivr\u00e4ntemetoden sk<span class=\"__9 _413\"/><span class=\"__9 _356\">ulle ge. Effektivr</span><span class=\"__9 _413\"/>\u00e4n-<span class=\"__9 _356\"> </span>tan innefa<span class=\"__9 _413\"/>ttar avgifter som anse<span class=\"__9 _348\"/><span class=\"__9 _356\">s ing\u00e5 i effek</span><span class=\"__9 _413\"/>tivr\u00e4ntan f<span class=\"__9 _413\"/>\u00f6r ett \ufb01nansiellt instrumen<span class=\"__9 _413\"/>t (vanligen avgifter erh\u00e5llna s<span class=\"__9 _413\"/>om kom-<span class=\"__9 _356\"> </span>pensation f<span class=\"__9 _413\"/>\u00f6r risk). R\u00e4nteint\u00e4k<span class=\"__9 _413\"/>ter och r\u00e4ntekos<span class=\"__9 _413\"/>tnader fr\u00e5n \ufb01nansiella instrument klassi\ufb01c<span class=\"__9 _413\"/>eras, med nedanst\u00e5ende undantag, som \u201dR\u00e4n<span class=\"__9 _413\"/>tenetto\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter och r\u00e4n<span class=\"__9 _413\"/>tekostnader h\u00e4nf<span class=\"__9 _413\"/>\u00f6rliga till balanspos-<span class=\"__9 _356\"> </span>ter redovisade till v<span class=\"__9 _413\"/>erkligt v\u00e4rde inom Markets och Life &amp; P<span class=\"__9 _413\"/>en-<span class=\"__9 _356\"> </span>sion klassi\ufb01ceras i re<span class=\"__9 _348\"/>sultatr<span class=\"__9 _413\"/>\u00e4kningen som \u201dNettoresultat a<span class=\"__9 _413\"/>v poster till verkligt v<span class=\"__9 _413\"/>\u00e4rde\u201d<span class=\"__9 _413\"/>. \u00c4<span class=\"__9 _413\"/>ven r\u00e4n<span class=\"__9 _413\"/>tan h\u00e4nf\u00f6rlig till netto<span class=\"__9 _413\"/>\ufb01-<span class=\"__9 _356\"> </span>nansieringen av v<span class=\"__9 _413\"/>erksamheten inom Markets och Life &amp; Pen-<span class=\"__9 _356\"> </span>sion (samt en portf\u00f6lj med r<span class=\"__9 _413\"/>\u00e4nteb\u00e4rande v\u00e4r<span class=\"__9 _413\"/>depapper i Life &amp; Pension) v\u00e4r<span class=\"__9 _413\"/><span class=\"__9 _356\">derad till upplupet anskaffningsv\u00e4r</span><span class=\"__9 _413\"/>de redovisas under \u201dNettoresult<span class=\"__9 _348\"/>at a<span class=\"__9 _413\"/>v poster till verkligt v\u00e4rde\u201d f<span class=\"__9 _413\"/>\u00f6r att s\u00e4kerst\u00e4lla att in<span class=\"__9 _413\"/>t\u00e4kter och kos<span class=\"__9 _348\"/>tnader i dessa verksamheter redovisas p\u00e5 ett kons<span class=\"__9 _348\"/>ekvent s\u00e4<span class=\"__9 _413\"/>tt<span class=\"__9 _a_8\"/>. Se not K2.4 \u201dSumma netto-<span class=\"__9 _356\"> </span>resulta<span class=\"__9 _413\"/>t av poster till verkligt v<span class=\"__9 _413\"/>\u00e4rde\u201d<span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>R\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat klassi\ufb01cer<span class=\"__9 _413\"/>as som \u201dNettoresul-<span class=\"__9 _356\"> </span>tat a<span class=\"__9 _413\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>, med undantag f<span class=\"__9 _413\"/>\u00f6r derivat som innehas f\u00f6r s\u00e4kringssyfte. I r<span class=\"__9 _348\"/>edovisningss\u00e4kringar klas-<span class=\"__9 _356\"> </span>si\ufb01ceras r<span class=\"__9 _348\"/>\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat som \u201dR\u00e4n<span class=\"__9 _413\"/>teint\u00e4kt<span class=\"__9 _413\"/>er fr\u00e5n anv\u00e4ndande a<span class=\"__9 _413\"/><span class=\"__9 _356\">v effektivr</span><span class=\"__9 _413\"/>\u00e4ntemetoden\u201d om deriva<span class=\"__9 _413\"/>tet anv\u00e4nds f\u00f6r a<span class=\"__9 _413\"/>tt risks\u00e4kra en tillg\u00e5ng och som \u201dR\u00e4ntekos<span class=\"__9 _348\"/>tnader<span class=\"__9 _a_8\"/>\u201d om derivat<span class=\"__9 _348\"/>et anv\u00e4nds f<span class=\"__9 _413\"/>\u00f6r att risks\u00e4kra en skuld. I ekonomiska s\u00e4kringar klassi\ufb01ceras r<span class=\"__9 _348\"/>\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat som \u201d\u00d6vri-<span class=\"__9 _356\"> </span>ga r\u00e4n<span class=\"__9 _348\"/>teint\u00e4k<span class=\"__9 _413\"/>ter<span class=\"__9 _a_8\"/>\u201d om derivatet anv<span class=\"__9 _413\"/>\u00e4nds f\u00f6r att risks\u00e4kra en tillg\u00e5ng och som \u201dR\u00e4nt<span class=\"__9 _348\"/>ekostnader<span class=\"__9 _a_8\"/>\u201d om deriva<span class=\"__9 _348\"/>tet anv\u00e4nds f<span class=\"__9 _413\"/>\u00f6r att risks\u00e4kra en sk<span class=\"__9 _413\"/>uld<span class=\"__9 _356\"> </span>.<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vkastningen p\u00e5 \ufb01nansiella tillg\u00e5ngar redovisas p\u00e5 tre rader i resul<span class=\"__9 _348\"/>tatr\u00e4kningen: \u201dR\u00e4n<span class=\"__9 _413\"/>teint\u00e4k<span class=\"__9 _413\"/>ter fr\u00e5n anv\u00e4ndande a<span class=\"__9 _413\"/>v <span class=\"__9 _356\">effek</span><span class=\"__9 _413\"/>tivr\u00e4ntemetoden\u201d<span class=\"__9 _357\"/>, \u201d\u00d6vriga r\u00e4n<span class=\"__9 _348\"/>teint<span class=\"__9 _348\"/>\u00e4kter\u201d och \u201dNegativ avkas<span class=\"__9 _413\"/>tning p\u00e5 \ufb01nansiella tillg\u00e5ngar<span class=\"__9 _425\"/>\u201d<span class=\"__9 _357\"/>. Under posten \u201dR\u00e4ntein-<span class=\"__9 _356\"> </span>t\u00e4kt<span class=\"__9 _348\"/>er fr\u00e5n an<span class=\"__9 _348\"/>v\u00e4ndande a<span class=\"__9 _413\"/><span class=\"__9 _356\">v effektivr</span><span class=\"__9 _413\"/>\u00e4ntemetoden\u201d redovisar Nordea r\u00e4n<span class=\"__9 _413\"/>teint\u00e4kt<span class=\"__9 _413\"/>er fr\u00e5n \ufb01nansiella tillg\u00e5ngar v\u00e4rderade till <span class=\"__9 _356\">upplupet anskaffningsv</span><span class=\"__9 _413\"/>\u00e4rde eller till verkligt v\u00e4rde via \u00f6vrigt totalr<span class=\"__9 _348\"/>esultat. Resul<span class=\"__9 _348\"/>tatr\u00e4kningspos<span class=\"__9 _413\"/>ten \u201d\u00d6vriga r\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter<span class=\"__9 _a_8\"/>\u201d innefa<span class=\"__9 _413\"/>ttar r\u00e4ntein<span class=\"__9 _348\"/>t\u00e4kt<span class=\"__9 _348\"/>er fr\u00e5n e<span class=\"__9 _413\"/>xempelvis l\u00e5n v\u00e4r<span class=\"__9 _413\"/>derade till verkligt v\u00e4r<span class=\"__9 _348\"/>de via resulta<span class=\"__9 _413\"/>tr\u00e4kningen eftersom de inte uppfyl<span class=\"__9 _348\"/>-<span class=\"__9 _356\"> </span>ler SPPI-kriteriet (som anger att kassa<span class=\"__9 _413\"/>fl\u00f6det enbar<span class=\"__9 _a_8\"/>t ska utg\u00f6-<span class=\"__9 _356\"> </span>ras a<span class=\"__9 _413\"/>v betalning av kapitalbelopp och r\u00e4n<span class=\"__9 _413\"/>ta). Negativ avkas<span class=\"__9 _413\"/>t-<span class=\"__9 _356\"> </span>ning p\u00e5 \ufb01nansiella tillg\u00e5ngar och skulder redo<span class=\"__9 _348\"/>visas under \u201dNegativ a<span class=\"__9 _413\"/>vkastning p\u00e5 \ufb01nansiella tillg\u00e5ngar<span class=\"__9 _a_8\"/>\u201d respektive \u201dNegativ a<span class=\"__9 _413\"/>vkastning p\u00e5 \ufb01nansiella skulder<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _356\"> </span><span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__9 _413\"/>ttningar<span class=\"__9 _356\"> </span>Nordeas kritiska bed\u00f6mning \u00e4r att en ev<span class=\"__9 _413\"/>entuell f\u00f6r\u00e4ndring i r\u00e4n<span class=\"__9 _348\"/>tan p\u00e5 uppl\u00e5ning via E<span class=\"__9 _348\"/>CB:s riktade l\u00e5ngf<span class=\"__9 _413\"/>ristiga re\ufb01nansie-<span class=\"__9 _356\"> </span>ringsprogram (TL<span class=\"__9 _357\"/>TRO<span class=\"__9 _413\"/>), fr\u00e5n det att gr\u00e4nsv<span class=\"__9 _413\"/>\u00e4rdena f\u00f6r utl\u00e5ning har uppn\u00e5tts, ska betrak<span class=\"__9 _413\"/>tas som en f\u00f6r\u00e4ndring i en r<span class=\"__9 _413\"/>\u00f6rlig r\u00e4n<span class=\"__9 _348\"/><span class=\"__9 _356\">ta och redovisas som en s\u00e5dan enligt IFRS 9. Den eff</span><span class=\"__9 _413\"/>ekt som uppst\u00e5r genom a<span class=\"__9 _348\"/>tt gr\u00e4nsv\u00e4r<span class=\"__9 _348\"/>dena f\u00f6r utl\u00e5ning uppn\u00e5s redovisas d\u00e4rmed under \u201dR\u00e4n<span class=\"__9 _413\"/>tenetto\u201d n\u00e4r det med tillr\u00e4cklig s\u00e4kerhet g\u00e5r att f<span class=\"__9 _413\"/>astst\u00e4lla att gr\u00e4nsv<span class=\"__9 _413\"/>\u00e4rdena kommer att uppn\u00e5s.<span class=\"__9 _356\"> </span>R\u00e4ntenetto<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _426\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter fr\u00e5n anv<span class=\"__9 _413\"/>\u00e4ndande av effek<span class=\"__9 _413\"/><span class=\"__9 _356\">tivr\u00e4ntemetoden1</span><span class=\"__9 _427\"> </span>7 937<span class=\"__9 _3a_4\"> </span>5 116<span class=\"__9 _356\"> </span>\u00d6vriga r\u00e4nt<span class=\"__9 _348\"/>eint\u00e4k<span class=\"__9 _413\"/>ter<span class=\"__9 _7a_1\"> </span>1 013<span class=\"__9 _380\"> </span>784<span class=\"__9 _356\"> </span>Negativ a<span class=\"__9 _348\"/>vkastning p\u00e5 \ufb01nansiella tillg\u00e5ngar<span class=\"__9 _369\"> </span>-134<span class=\"__9 _1b_5\"> </span>-219<span class=\"__9 _356\"> </span>R\u00e4ntekos<span class=\"__9 _413\"/>tnader<span class=\"__9 _407\"> </span>-3 474<span class=\"__9 _3b_3\"> </span>-1 167<span class=\"__9 _356\"> </span>Negativ a<span class=\"__9 _348\"/>vkastning p\u00e5 \ufb01nansiella skulder<span class=\"__9 _7b_1\"> </span> 322<span class=\"__9 _367\"> </span>411<span class=\"__9 _356\"> </span>R\u00e4ntenetto<span class=\"__9 _7c_1\"> </span>5 664<span class=\"__9 _362\"> </span>4 92<span class=\"__9 _a_8\"/>5<span class=\"__9 _356\"> </span>1)   <span class=\"__9 _c_8\"/>Var<span class=\"__9 _348\"/>av variabla leasingin<span class=\"__9 _413\"/>t\u00e4kter 229 mn euro (175 mn euro). V<span class=\"__9 _413\"/>ariabla leasingint\u00e4kt<span class=\"__9 _413\"/>er best\u00e5r av r<span class=\"__9 _413\"/>\u00f6rliga r\u00e4ntor exklusive den f<span class=\"__9 _413\"/>asta marginalen. Om den variabla leasingin-<span class=\"__9 _356\"> </span>t\u00e4kten minskar mo<span class=\"__9 _348\"/>tverkas detta av l\u00e4gr<span class=\"__9 _413\"/>e uppl\u00e5ningskostnader. R\u00e4n<span class=\"__9 _413\"/>teint\u00e4kterna p\u00e5 nettoinvest<span class=\"__9 _413\"/>eringen i \ufb01nansiella leasingavtal uppgick till 329 mn euro (260 mn euro).<span class=\"__9 _356\"> </span>R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter fr\u00e5n an<span class=\"__9 _413\"/><span class=\"__9 _356\">v\u00e4ndande av eff</span><span class=\"__9 _413\"/>ektivr\u00e4ntemet<span class=\"__9 _413\"/>oden<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _426\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Utl\u00e5ning till kreditinstitut<span class=\"__9 _7d_2\"> </span> 682<span class=\"__9 _375\"> </span>93<span class=\"__9 _356\"> </span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__9 _7e_1\"> </span>6 527<span class=\"__9 _386\"> </span>4 7<span class=\"__9 _a_8\"/>29<span class=\"__9 _356\"> </span>R\u00e4nteb\u00e4r<span class=\"__9 _348\"/>ande v\u00e4rdepapper<span class=\"__9 _7f_2\"> </span> 325<span class=\"__9 _361\"> </span>182<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vgifter <span class=\"__9 _428\"> </span><span class=\"ls2_8 ws5_8\"> 24<span class=\"__9 _a_8\"/>2<span class=\"__9 _367\"> </span></span>231<span class=\"__9 _356\"> </span>Netto betald eller erh\u00e5llen r\u00e4n<span class=\"__9 _413\"/>ta p\u00e5 derivatinstrumen<span class=\"__9 _413\"/>t i s\u00e4kringsredovisning av tillg\u00e5ngar<span class=\"__9 _429\"> </span> 161<span class=\"__9 _383\"> </span>-119<span class=\"__9 _356\"> </span>R\u00e4ntein<span class=\"__9 _348\"/>t\u00e4kter f<span class=\"__9 _413\"/>r\u00e5n anv\u00e4ndande av effek<span class=\"__9 _413\"/>tivr\u00e4ntemetoden<span class=\"__9 _352\"> </span>7 937<span class=\"__9 _1e_5\"> </span>5 116<span class=\"__9 _356\"> </span>\u00d6vriga r\u00e4nt<span class=\"__9 _413\"/>eint\u00e4kter<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _426\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Utl\u00e5ning till verkligt v\u00e4rde till allm\u00e4nhet<span class=\"__9 _348\"/>en<span class=\"__9 _369\"> </span>1 06<span class=\"__9 _a_8\"/>4<span class=\"__9 _380\"> </span>955<span class=\"__9 _356\"> </span>R\u00e4nteb\u00e4r<span class=\"__9 _348\"/>ande v\u00e4rdepapper till verkligt v<span class=\"__9 _413\"/>\u00e4rde<span class=\"__9 _372\"> </span><span class=\"ls3_8 ws6_8\"> 170<span class=\"__9 _375\"> </span></span>60<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vgifter och \u00f6vriga r\u00e4nt<span class=\"__9 _348\"/>eint\u00e4k<span class=\"__9 _413\"/>ter p\u00e5 tillg\u00e5ngar till verkligt v\u00e4rde<span class=\"__9 _430\"> </span> 0<span class=\"__9 _2d_3\"> </span>1<span class=\"__9 _356\"> </span>Netto betald eller erh\u00e5llen r\u00e4n<span class=\"__9 _413\"/>ta p\u00e5 derivatinstrumen<span class=\"__9 _413\"/>t i ekonomiska s\u00e4kringar av tillg\u00e5ngar<span class=\"__9 _431\"> </span>-221<span class=\"__9 _f_8\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _a_8\"/>3<span class=\"__9 _a_8\"/>2<span class=\"__9 _356\"> </span></span>\u00d6vriga r\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter<span class=\"__9 _432\"> </span>1 013<span class=\"__9 _3d_3\"> </span>784<span class=\"__9 _356\"> </span>R\u00e4ntek<span class=\"__9 _348\"/>ostnader<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _426\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Skulder till kreditinstitut<span class=\"__9 _433\"> </span>-221<span class=\"__9 _367\"> </span>-35<span class=\"__9 _356\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__9 _5d_1\"> </span>-957<span class=\"__9 _363\"> </span>-166<span class=\"__9 _356\"> </span>Emitterade v\u00e4r<span class=\"__9 _413\"/>depapper<span class=\"__9 _434\"> </span>-2 376<span class=\"__9 _410\"> </span>-1 275<span class=\"__9 _356\"> </span>Efterst\u00e4llda sk<span class=\"__9 _348\"/>ulder<span class=\"__9 _435\"> </span><span class=\"ls2_8 ws5_8\">-25<span class=\"__9 _a_8\"/>2<span class=\"__9 _363\"> </span>-2<span class=\"__9 _a_8\"/>55<span class=\"__9 _356\"> </span></span>\u00d6vriga r\u00e4nt<span class=\"__9 _348\"/>ekostnader<span class=\"__9 _436\"> </span><span class=\"ls3_8 ws6_8\">-14<span class=\"__9 _364\"> </span>-14<span class=\"__9 _356\"> </span></span>Netto betald eller erh\u00e5llen r\u00e4n<span class=\"__9 _413\"/>ta p\u00e5 derivatinstrumen<span class=\"__9 _413\"/>t i s\u00e4kringar av skulder<span class=\"__9 _437\"> </span> 346<span class=\"__9 _381\"> </span><span class=\"ls3_8 ws6_8\">578<span class=\"__9 _356\"> </span></span>R\u00e4ntekos<span class=\"__9 _413\"/>tnader<span class=\"__9 _8a_1\"> </span>-3 47<span class=\"__9 _413\"/>4<span class=\"__9 _410\"> </span>-1 167<span class=\"__9 _356\"> </span>R\u00e4ntenetto f<span class=\"__9 _413\"/>r\u00e5n kategorier a<span class=\"__9 _413\"/>v \ufb01nansiella instrument<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _426\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade till  verkligt v\u00e4rde via \u00f6<span class=\"__9 _413\"/>vrigt totalresultat <span class=\"__9 _8b_1\"> </span> 279<span class=\"__9 _367\"> </span>119<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade  <span class=\"__9 _356\">till upplupet anskaffningsv</span><span class=\"__9 _348\"/>\u00e4rde<span class=\"__9 _8c_1\"> </span>7 364<span class=\"__9 _362\"> </span>4 903<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade till  verkligt v\u00e4rde via r<span class=\"__9 _413\"/>esultatr\u00e4kningen <span class=\"__9 _8d_1\"> </span><span class=\"ls3_8 ws6_8\">1 17<span class=\"__9 _a_8\"/>3<span class=\"__9 _3d_3\"> </span></span>659<span class=\"__9 _356\"> </span>Finansiella skulder v\u00e4rder<span class=\"__9 _413\"/>ade <span class=\"__9 _356\">till upplupet anskaffningsv</span><span class=\"__9 _348\"/>\u00e4rde<span class=\"__9 _8e_1\"> </span>-2 896<span class=\"__9 _2b_3\"> </span>-838<span class=\"__9 _356\"> </span>Finansiella skulder v\u00e4rder<span class=\"__9 _413\"/>ade till  verkligt v\u00e4rde via r<span class=\"__9 _413\"/>esultatr\u00e4kningen <span class=\"__9 _8f_1\"> </span><span class=\"ls2_8 ws5_8\">-25<span class=\"__9 _a_8\"/>6<span class=\"__9 _375\"> </span></span>82<span class=\"__9 _356\"> </span>R\u00e4ntenetto<span class=\"__9 _7c_1\"> </span>5 664<span class=\"__9 _362\"> </span>4 92<span class=\"__9 _a_8\"/>5<span class=\"__9 _356\"> </span>R\u00e4ntan p\u00e5 os\u00e4kr<span class=\"__9 _413\"/>a l\u00e5nefordringar utgjorde en obety<span class=\"__9 _348\"/>dlig andel av r<span class=\"__9 _413\"/>\u00e4nteint\u00e4k<span class=\"__9 _413\"/>terna<span class=\"__9 _356\"> </span>.<span class=\"__9 _356\"> </span>K2.3  A<span class=\"__9 _413\"/>vgifts- och pro<span class=\"__9 _413\"/>visionsnetto<span class=\"__9 _356\"> </span>Redovisningsprinciper Nordea har provisionsin<span class=\"__9 _413\"/>t\u00e4kter fr<span class=\"__9 _413\"/>\u00e5n olika typer av tj\u00e4nster som tillhandah\u00e5lls kunder<span class=\"__9 _413\"/>. Hur provisionsin<span class=\"__9 _413\"/>t\u00e4kterna redovisas beror p\u00e5 i vilket syfte a<span class=\"__9 _413\"/>vgiften tas ut.<span class=\"__9 _356\"> </span>Huvuddelen av in<span class=\"__9 _413\"/>t\u00e4kterna som klassi\ufb01cer<span class=\"__9 _413\"/>ats som \u201dProvi-<span class=\"__9 _356\"> </span>sionsint\u00e4k<span class=\"__9 _413\"/>ter<span class=\"__9 _a_8\"/>\u201d avser int\u00e4k<span class=\"__9 _413\"/>ter fr\u00e5n a<span class=\"__9 _413\"/>vtal med kunder enligt IFRS 15. A<span class=\"__9 _357\"/>vgiftsint\u00e4kt<span class=\"__9 _348\"/>er redovisas n\u00e4r eller i tak<span class=\"__9 _413\"/>t med att ett f\u00f6r<span class=\"__9 _348\"/>etag har fullgjort sina \u00e5taganden, an<span class=\"__9 _413\"/>tingen \u00f6ver tid eller vid en speci\ufb01k tidpunkt.<span class=\"__9 _356\"> </span>Utl\u00e5ningsav<span class=\"__9 _413\"/><span class=\"__9 _356\">gifter som inte ing\u00e5r i den eff</span><span class=\"__9 _413\"/>ektiva r\u00e4n<span class=\"__9 _413\"/>tan f\u00f6r ett \ufb01nansiellt instrumen<span class=\"__9 _413\"/>t redovisas n\u00e4r \u00e5tagandet har fullgjorts. A<span class=\"__9 _357\"/>vgifter som erh\u00e5lls i samband med bilaterala tr<span class=\"__9 _413\"/>ansaktio-<span class=\"__9 _356\"> </span>ner redovisas normalt s<span class=\"__9 _348\"/>om en del av det \ufb01nansiella ins<span class=\"__9 _413\"/>tru-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">mentets eff</span><span class=\"__9 _413\"/>ektiva r<span class=\"__9 _348\"/>\u00e4nta. <span class=\"__9 _413\"/>Av<span class=\"__9 _413\"/>gifter fr\u00e5n syndikerade l\u00e5n r<span class=\"__9 _413\"/>edovi-<span class=\"__9 _356\"> </span>sas antingen som en del a<span class=\"__9 _413\"/><span class=\"__9 _356\">v den effektiv</span><span class=\"__9 _413\"/>a r\u00e4ntan p\u00e5 Nordeas<span class=\"__9 _356\"> </span>del eller<span class=\"__9 _413\"/>, om Nordea fungera<span class=\"__9 _413\"/>t som agentbank, som en avgifts<span class=\"__9 _356\"> </span>-<span class=\"__9 _356\"> </span>int\u00e4k<span class=\"__9 _413\"/>t<span class=\"__9 _a_8\"/>. Om av<span class=\"__9 _348\"/>giftsint\u00e4k<span class=\"__9 _413\"/>ten avser b\u00e5de och, grundas den a<span class=\"__9 _413\"/>vgift <span class=\"__9 _356\">som ing\u00e5r i den effek</span><span class=\"__9 _413\"/>tiva r\u00e4nt<span class=\"__9 _348\"/>an p\u00e5 den marginal som erh\u00e5l-<span class=\"__9 _356\"> </span>lits fr\u00e5n de \u00f6<span class=\"__9 _348\"/>vriga parterna i arrangemanget.<span class=\"__9 _356\"> </span>R\u00f6rliga a<span class=\"__9 _413\"/>vgifter<span class=\"__9 _413\"/>, s\u00e5som resultatr<span class=\"__9 _348\"/>elater<span class=\"__9 _348\"/>ade av<span class=\"__9 _413\"/>gifter<span class=\"__9 _348\"/>, redovi-<span class=\"__9 _356\"> </span>sas endast i den utstr<span class=\"__9 _413\"/>\u00e4ckning det \u00e4r mycket sannolikt a<span class=\"__9 _348\"/>tt ingen v\u00e4sen<span class=\"__9 _413\"/>tlig \u00e5terf\u00f6ring av de ack<span class=\"__9 _413\"/>umulerade, redovisade beloppen kommer att ske. Provisionskos<span class=\"__9 _413\"/>tnader som avser en viss period kostnadsf<span class=\"__9 _413\"/>\u00f6rs under den perioden, medan transak<span class=\"__9 _348\"/>tionsav<span class=\"__9 _413\"/>gifter redovisas n\u00e4r tj\u00e4nsterna erh\u00e5lls.<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vgifts- och provisionsnetto<span class=\"__9 _356\"> </span>1,2<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _438\"> </span>2022<span class=\"__9 _3a_4\"> </span>2021<span class=\"__9 _356\"> </span>Provisioner fr<span class=\"__9 _413\"/>\u00e5n kapitalf\u00f6rvaltning<span class=\"__9 _439\"> </span>1 733<span class=\"__9 _376\"> </span>1 845<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v int\u00e4kter <span class=\"__9 _440\"> </span>2 082<span class=\"__9 _5b_1\"> </span>2 216<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v kostnader <span class=\"__9 _441\"> </span>-349<span class=\"__9 _3a_4\"> </span>-371<span class=\"__9 _356\"> </span>Provisioner fr<span class=\"__9 _413\"/>\u00e5n liv<span class=\"__9 _a_8\"/>f\u00f6rs\u00e4kring och pensioner<span class=\"__9 _442\"> </span><span class=\"lsb_8 wsd_8\">2<span class=\"__9 _a_8\"/>74<span class=\"__9 _1b_5\"> </span></span>273<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v int\u00e4kter <span class=\"__9 _443\"> </span>296<span class=\"__9 _379\"> </span>299<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v kostnader <span class=\"__9 _444\"> </span><span class=\"ls2_8 ws5_8\">-22<span class=\"__9 _383\"> </span>-26<span class=\"__9 _356\"> </span></span>Inl\u00e5ningsprodukt<span class=\"__9 _348\"/>er<span class=\"__9 _445\"> </span><span class=\"lsc_8 wse_8\">25<span class=\"__9 _361\"> </span>25<span class=\"__9 _356\"> </span></span>- vara<span class=\"__9 _413\"/>v int\u00e4kter <span class=\"__9 _446\"> </span><span class=\"lsc_8 wse_8\">25<span class=\"__9 _361\"> </span>25<span class=\"__9 _356\"> </span></span>Courtage, v\u00e4rdepappersemissioner och f\u00f6retags\ufb01nansiering<span class=\"__9 _356\"> </span>173<span class=\"__9 _379\"> </span><span class=\"ls0_9 ws0_9\">269<span class=\"__9 _356\"> </span></span>- vara<span class=\"__9 _413\"/>v int\u00e4kter <span class=\"__9 _443\"> </span>306<span class=\"__9 _f_8\"> </span>421<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v kostnader <span class=\"__9 _447\"> </span>-133<span class=\"__9 _1e_5\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _a_8\"/>52<span class=\"__9 _356\"> </span></span>Dep\u00e5- och emissionstj\u00e4ns<span class=\"__9 _348\"/>ter<span class=\"__9 _9a_1\"> </span>18<span class=\"__9 _367\"> </span>35<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v int\u00e4kter <span class=\"__9 _7c_1\"> </span>63<span class=\"__9 _381\"> </span>88<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v kostnader <span class=\"__9 _9b_1\"> </span>-45<span class=\"__9 _399\"> </span>-53<span class=\"__9 _356\"> </span><span class=\"__9 _356\">Betalningar1</span><span class=\"__9 _9c_2\"> </span><span class=\"lsd_7 wsf_8\">252<span class=\"__9 _379\"> </span></span>2<span class=\"__9 _a_8\"/>36<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v int\u00e4kter <span class=\"__9 _9d_1\"> </span>372<span class=\"__9 _5a_1\"> </span>362<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v kostnader <span class=\"__9 _9e_1\"> </span>-120<span class=\"__9 _1e_5\"> </span>-126<span class=\"__9 _356\"> </span>Kor<span class=\"__9 _a_8\"/>t<span class=\"__9 _9f_1\"> </span><span class=\"ls0_9 ws0_9\">306<span class=\"__9 _379\"> </span>250<span class=\"__9 _356\"> </span></span>- vara<span class=\"__9 _413\"/>v int\u00e4kter <span class=\"__9 _9d_1\"> </span>427<span class=\"__9 _2b_3\"> </span>349<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v kostnader <span class=\"__9 _a0_1\"> </span>-121<span class=\"__9 _363\"> </span>-99<span class=\"__9 _356\"> </span>Utl\u00e5ningsprodukt<span class=\"__9 _348\"/>er<span class=\"__9 _a1_1\"> </span>477<span class=\"__9 _379\"> </span>478<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v int\u00e4kter <span class=\"__9 _443\"> </span>502<span class=\"__9 _379\"> </span>505<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v kostnader <span class=\"__9 _440\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _a_8\"/>5<span class=\"__9 _365\"> </span>-27<span class=\"__9 _356\"> </span></span>Garantier <span class=\"__9 _a2_1\"> </span>101<span class=\"__9 _f_8\"> </span>102<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v int\u00e4kter <span class=\"__9 _9d_1\"> </span><span class=\"ls3_8 ws6_8\">144<span class=\"__9 _363\"> </span></span>138<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v kostnader <span class=\"__9 _9b_1\"> </span><span class=\"ls4_8 ws7_8\">-43<span class=\"__9 _363\"> </span></span>-36<span class=\"__9 _356\"> </span>\u00d6vrigt<span class=\"__9 _a3_1\"> </span><span class=\"ls2_8 ws5_8\">-23<span class=\"__9 _365\"> </span><span class=\"ls3_8 ws6_8\">-18<span class=\"__9 _356\"> </span></span></span>- vara<span class=\"__9 _413\"/>v int\u00e4kter <span class=\"__9 _6d_1\"> </span>61<span class=\"__9 _381\"> </span>69<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v kostnader <span class=\"__9 _a4_1\"> </span>-84<span class=\"__9 _1b_5\"> </span>-87<span class=\"__9 _356\"> </span>Summa<span class=\"__9 _a2_1\"> </span>3 336<span class=\"__9 _2a_3\"> </span>3 495<span class=\"__9 _356\"> </span>1) A<span class=\"__9 _413\"/>vgifts-och provisionint\u00e4nkt<span class=\"__9 _348\"/>er fr\u00e5n \ufb01nansiella tillg\u00e5ngar och skulder som in<span class=\"__9 _413\"/>te v\u00e4rn-<span class=\"__9 _356\"> </span>deras till v\u00e4rkligt v\u00e4r<span class=\"__9 _348\"/>de via reslutatr<span class=\"__9 _348\"/>\u00e4kningen och som inte ing\u00e5r i ber\u00e4kningen a<span class=\"__9 _413\"/>v <span class=\"__9 _356\">effek</span><span class=\"__9 _348\"/>tiv r\u00e4nta uppg\u00e5r till 456 mn euro (<span class=\"__9 _413\"/>460 mn euro).<span class=\"__9 _356\"> </span>2) A<span class=\"__9 _413\"/>vgifts- och provisionsint\u00e4k<span class=\"__9 _413\"/>ter fr\u00e5n f\u00f6rvaltningsverksamhet som resul<span class=\"__9 _413\"/>terar i innehav eller placering i tillg\u00e5ngar f\u00f6r kunders r<span class=\"__9 _348\"/>\u00e4kning och som inte ing\u00e5r i ber\u00e4kningen a<span class=\"__9 _413\"/>v <span class=\"__9 _356\">effek</span><span class=\"__9 _348\"/>tiv r\u00e4nta uppg\u00e5r till 2 684 mn euro (2 936 mn eur<span class=\"__9 _413\"/>o). Motsvarande belopp f\u00f6r avgifts- och pr<span class=\"__9 _348\"/>ovisionskostnader \u00e4r -<span class=\"__9 _413\"/>22 mn euro (-25 mn euro).<span class=\"__9 _356\"> </span>Provision fr<span class=\"__9 _413\"/>\u00e5n kapitalf\u00f6rvaltning redo<span class=\"__9 _413\"/>visas normalt \u00f6ver tid i takt med a<span class=\"__9 _413\"/>tt tj\u00e4nster utf\u00f6rs, och brukar baseras p\u00e5 f<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>valt<span class=\"__9 _348\"/>at kapital. Dessa av<span class=\"__9 _413\"/>gifter redovisas fortl\u00f6pande eftersom belop-<span class=\"__9 _356\"> </span>pet (och r\u00e4<span class=\"__9 _413\"/>tten att erh\u00e5lla avgift<span class=\"__9 _413\"/>en) st\u00e5r i relation till det v\u00e4rde som k<span class=\"__9 _413\"/>unden erh\u00e5ller. <span class=\"__9 _413\"/>A<span class=\"__9 _413\"/>vgifterna redovisas varje m\u00e5nad n\u00e4r marknadsv\u00e4rdet f<span class=\"__9 _413\"/>\u00f6r det f\u00f6rvaltade kapitalet har f<span class=\"__9 _413\"/>ast-<span class=\"__9 _356\"> </span>st\u00e4llts. R<span class=\"__9 _413\"/>\u00f6rliga avgifter som baser<span class=\"__9 _413\"/>as p\u00e5 relativ utveckling i f\u00f6r-<span class=\"__9 _356\"> </span>h\u00e5llande till ett j\u00e4mf<span class=\"__9 _413\"/>\u00f6relseindex \u00e4r s\u00e4llsynt<span class=\"__9 _348\"/>a. Os\u00e4kerheten kring r\u00f6rliga a<span class=\"__9 _413\"/>vgifter skingras normalt \u00e5tmins<span class=\"__9 _348\"/>tone p\u00e5 varje balansdag och av<span class=\"__9 _413\"/>giftsint\u00e4kten kan r<span class=\"__9 _413\"/>edovisas. Beloppet kan inte r<span class=\"__9 _413\"/>edovisas om utfallet \u00e4nnu \u00e4r os\u00e4kert och kan p\u00e5v<span class=\"__9 _413\"/>erkas av marknadsutv<span class=\"__9 _413\"/>ecklingen.<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vgifts- och provisionsin<span class=\"__9 _413\"/>t\u00e4kter fr\u00e5n liv- och pensionsv<span class=\"__9 _413\"/>erk-<span class=\"__9 _356\"> </span>samheten utg\u00f6rs a<span class=\"__9 _348\"/>v s\u00e5 kallade av<span class=\"__9 _413\"/>giftsuttag fr\u00e5n f\u00f6rs\u00e4krings-<span class=\"__9 _356\"> </span>tagare och vinst<span class=\"__9 _348\"/>delning p\u00e5 risk- och a<span class=\"__9 _413\"/>vkastningsresulta<span class=\"__9 _413\"/>t f\u00f6r fondf<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsavtal och \ufb01nansiella avt<span class=\"__9 _348\"/>al. A<span class=\"__9 _413\"/>vgiftsint<span class=\"__9 _348\"/>\u00e4kten redovisas \u00f6v<span class=\"__9 _413\"/>er tid i takt med att tj\u00e4nst<span class=\"__9 _348\"/>erna utf\u00f6rs. F<span class=\"__9 _413\"/>\u00f6r ytterli-<span class=\"__9 _356\"> </span>gare inf<span class=\"__9 _413\"/>ormation om int\u00e4k<span class=\"__9 _413\"/>tsredovisning f\u00f6r f<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>s\u00e4kringspro-<span class=\"__9 _356\"> </span>dukter<span class=\"__9 _357\"/>, se not K2.4 \u201dSumma nettoresult<span class=\"__9 _348\"/>at a<span class=\"__9 _413\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vgifter i kategorierna \u201dInl\u00e5ningspr<span class=\"__9 _413\"/>odukter<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _413\"/>, \u201dCourtage, v\u00e4rdepappersemissioner och f<span class=\"__9 _413\"/>\u00f6retags\ufb01nansiering\u201d<span class=\"__9 _413\"/>, \u201dDep\u00e5- och emissionstj\u00e4nster\u201d samt \u201dBetalningar<span class=\"__9 _a_8\"/>\u201d redovisas b\u00e5de \u00f6ver tid och vid en viss tidpunk<span class=\"__9 _413\"/>t<span class=\"__9 _a_8\"/>, beroende p\u00e5 n\u00e4r \u00e5tagandena fullg\u00f6rs. A<span class=\"__9 _357\"/>vgifterna som avser c<span class=\"__9 _413\"/>our<span class=\"__9 _a_8\"/>tage, v\u00e4rdepappersemis-<span class=\"__9 _356\"> </span>sioner och f\u00f6r<span class=\"__9 _348\"/>etags\ufb01nansiering \u00e4r fr\u00e4ms<span class=\"__9 _413\"/>t transaktionsbase-<span class=\"__9 _356\"> </span>rade och a<span class=\"__9 _413\"/>vser r\u00e5dgivning eller utf\u00f6rande a<span class=\"__9 _413\"/>v kundorder g\u00e4l-<span class=\"__9 _356\"> </span>lande v\u00e4rdepapper<span class=\"__9 _357\"/>, d\u00e4r tj\u00e4nsterna redovisas vid den tidpunk<span class=\"__9 _413\"/>t d\u00e5 tj\u00e4nsterna rela<span class=\"__9 _413\"/>terade till transaktionerna har sl<span class=\"__9 _413\"/>utf\u00f6rts. Betalningsprovisioner innef<span class=\"__9 _413\"/>attar av<span class=\"__9 _413\"/>gifter f\u00f6r cash manage-<span class=\"__9 _356\"> </span>ment och betalningsl\u00f6sningar<span class=\"__9 _357\"/>, vilka redovisas \u00f6ver tid, sam<span class=\"__9 _413\"/>t transak<span class=\"__9 _348\"/>tionsbaserade a<span class=\"__9 _413\"/>vgifter f\u00f6r tj\u00e4ns<span class=\"__9 _348\"/>ter som inrikes- och utlandsbetalningar<span class=\"__9 _413\"/>, vilka redovisas vid en viss tidpunk<span class=\"__9 _413\"/>t<span class=\"__9 _a_8\"/>. Korta<span class=\"__9 _413\"/>vgifter delas in i kategorierna f<span class=\"__9 _348\"/>\u00f6rmedlingsav<span class=\"__9 _413\"/>gifter<span class=\"__9 _348\"/>, som redovisas n\u00e4r k<span class=\"__9 _413\"/>unden anv\u00e4nder tj\u00e4nsten, och a<span class=\"__9 _413\"/>vgifter f\u00f6r kortinnehav<span class=\"__9 _348\"/>are, som redo<span class=\"__9 _413\"/>visas \u00f6ver tid eller vid en viss tid-<span class=\"__9 _356\"> </span>punkt om a<span class=\"__9 _413\"/>vgiften \u00e4r transak<span class=\"__9 _348\"/>tionsbaserad. Utl\u00e5ningsav<span class=\"__9 _413\"/>gifter redovisas n\u00e4r \u00e5tagandet har fullgjorts, det vill s\u00e4ga n\u00e4r transak<span class=\"__9 _348\"/>tionen har genomf<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>ts, s\u00e5vida de in<span class=\"__9 _413\"/>te <span class=\"__9 _356\">ing\u00e5r i den effek</span><span class=\"__9 _413\"/>tiva r\u00e4ntan f<span class=\"__9 _413\"/>\u00f6r det \ufb01nansiella instrumentet. Int\u00e4k<span class=\"__9 _413\"/>ter f\u00f6r utst\u00e4llda \ufb01nansiella gar<span class=\"__9 _413\"/>antier samt kos<span class=\"__9 _348\"/>tnader f\u00f6r k<span class=\"__9 _348\"/>\u00f6pta \ufb01nansiella garan<span class=\"__9 _413\"/>tier<span class=\"__9 _413\"/>, f\u00f6rdelas \u00f6ver ins<span class=\"__9 _413\"/>trumentets l\u00f6ptid och klassi\ufb01cer<span class=\"__9 _348\"/>as som \u201d<span class=\"__9 _357\"/>A<span class=\"__9 _413\"/>vgifts- och provisionsin<span class=\"__9 _413\"/>t\u00e4kter<span class=\"__9 _a_8\"/>\u201d respek<span class=\"__9 _348\"/>tive \u201d<span class=\"__9 _357\"/>A<span class=\"__9 _413\"/>vgifts- och provisionsk<span class=\"__9 _348\"/>ostnader<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _357\"/>. \u00d6vriga av<span class=\"__9 _413\"/>giftsint\u00e4kter \u00e4r normal<span class=\"__9 _348\"/>t transak<span class=\"__9 _348\"/>tionsbaserade.<span class=\"__9 _356\"> </span>F\u00f6r tr<span class=\"__9 _413\"/>ansaktionsbaserade tj\u00e4nster s<span class=\"__9 _348\"/>om utf\u00f6rs vid en viss tidpunkt erh\u00e5lls betalning omedelbart i samband med att tj\u00e4nsterna utf<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>s. F\u00f6r tj\u00e4ns<span class=\"__9 _413\"/>ter som utf\u00f6rs \u00f6ver tid g\u00e4ller nor-<span class=\"__9 _356\"> </span>malt en kortare period. Ex<span class=\"__9 _413\"/>empel p\u00e5 s\u00e5dana tj\u00e4nster \u00e4r betal-<span class=\"__9 _356\"> </span>ningstj\u00e4nster s<span class=\"__9 _413\"/>om l\u00f6per per m\u00e5nad eller kapitalf\u00f6rvaltnings-<span class=\"__9 _356\"> </span>tj\u00e4nster som l\u00f6per per m\u00e5nad eller per kv<span class=\"__9 _413\"/>ar<span class=\"__9 _a_8\"/>tal. F\u00f6r tj\u00e4nst<span class=\"__9 _348\"/>er som utf\u00f6rs \u00f6v<span class=\"__9 _413\"/>er tid uppst\u00e5r r\u00e4tten till ers\u00e4ttning i sl<span class=\"__9 _348\"/>utet a<span class=\"__9 _348\"/>v varje period n\u00e4r \u00e5tagandena \u00e4r f<span class=\"__9 _413\"/>ullgjorda och det \u00e4r mycket sannolikt a<span class=\"__9 _348\"/>tt ingen v\u00e4sen<span class=\"__9 _413\"/>tlig \u00e5terf\u00f6ring av ers\u00e4<span class=\"__9 _348\"/>ttningen kom-<span class=\"__9 _356\"> </span>mer att ske. Kundf<span class=\"__9 _348\"/>ordringar redovisas under \u201d\u00d6vriga till<span class=\"__9 _348\"/>g\u00e5ngar<span class=\"__9 _a_8\"/>\u201d medan \u00e4nnu ej debiterade a<span class=\"__9 _413\"/>vgifter f\u00f6r uppfyllda pr<span class=\"__9 _413\"/>estations\u00e5tagan-<span class=\"__9 _356\"> </span>den och avtals<span class=\"__9 _413\"/>tillg\u00e5ngar redovisas under \u201dF\u00f6rutbetalda k<span class=\"__9 _413\"/>ost-<span class=\"__9 _356\"> </span>nader och upplupna int\u00e4k<span class=\"__9 _413\"/>ter<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _413\"/>. Kortfristiga f<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>skott som erh\u00e5l<span class=\"__9 _413\"/>-<span class=\"__9 _356\"> </span>lits, men d\u00e4r presta<span class=\"__9 _413\"/>tions\u00e5tagandena \u00e4nnu inte har uppfyll<span class=\"__9 _348\"/>ts, redovisas under \u201dUpplupna k<span class=\"__9 _413\"/>ostnader och f\u00f6rutbetalda int\u00e4k<span class=\"__9 _413\"/>ter<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>Provisionskos<span class=\"__9 _413\"/>tnader \u00e4r normalt transaktionsbaser<span class=\"__9 _348\"/>ade och redovisas i den period d\u00e5 tj\u00e4ns<span class=\"__9 _348\"/>terna erh\u00e5lls.<span class=\"__9 _356\"> </span><span class=\"__9 _356\">Nedbrytning per aff\u00e4rsomr</span><span class=\"__9 _348\"/>\u00e5de<span class=\"__9 _356\"> </span>2022, mn euro Personal Banking<span class=\"__9 _356\"> </span>Business Banking<span class=\"__9 _356\"> </span>Large Corporates &amp; Institutions<span class=\"__9 _356\"> </span>Asset &amp; Wealth Management<span class=\"__9 _a5_2\"> </span>Group Finance<span class=\"__9 _356\"> </span>\u00d6vrigt &amp; elimineringar<span class=\"__9 _356\"> </span>Nordea <span class=\"__9 _c_8\"/> Group<span class=\"__9 _356\"> </span>Provisioner fr<span class=\"__9 _413\"/>\u00e5n kapitalf\u00f6rvaltning<span class=\"__9 _a6_2\"> </span>560<span class=\"__9 _6a_1\"> </span>88<span class=\"__9 _4f_1\"> </span>8<span class=\"__9 _387\"> </span>1 077<span class=\"__9 _4d_1\"> </span>0<span class=\"__9 _4f_1\"> </span>0<span class=\"__9 _367\"> </span>1 733<span class=\"__9 _356\"> </span>Provisioner fr<span class=\"__9 _413\"/>\u00e5n liv<span class=\"__9 _a_8\"/>f\u00f6rs\u00e4kring och pensioner<span class=\"__9 _a7_2\"> </span>209<span class=\"__9 _373\"> </span>85<span class=\"__9 _4e_1\"> </span>4<span class=\"__9 _369\"> </span><span class=\"ls2_8 ws5_8\">-24<span class=\"__9 _a8_2\"> </span></span>0<span class=\"__9 _4e_1\"> </span>0<span class=\"__9 _1f_5\"> </span><span class=\"lsb_8 wsd_8\">2<span class=\"__9 _a_8\"/>74<span class=\"__9 _356\"> </span></span>Inl\u00e5ningsprodukt<span class=\"__9 _348\"/>er<span class=\"__9 _443\"> </span>6<span class=\"__9 _4e_1\"> </span>18<span class=\"__9 _a9_2\"> </span>1<span class=\"__9 _4d_1\"> </span>0<span class=\"__9 _4d_1\"> </span>0<span class=\"__9 _4f_1\"> </span>0<span class=\"__9 _382\"> </span><span class=\"lsc_8 wse_8\">25<span class=\"__9 _356\"> </span></span>Courtage, v\u00e4rdepappersemissioner och f\u00f6retags\ufb01nansiering<span class=\"__9 _440\"> </span><span class=\"ls4_8 ws7_8\">23<span class=\"__9 _4e_1\"> </span><span class=\"ls0_9 ws0_9\">37<span class=\"__9 _374\"> </span>99<span class=\"__9 _373\"> </span>26<span class=\"__9 _4f_1\"> </span>-6<span class=\"__9 _396\"> </span>-6<span class=\"__9 _2f_3\"> </span></span></span>173<span class=\"__9 _356\"> </span>Dep\u00e5- och emissionstj\u00e4ns<span class=\"__9 _348\"/>ter<span class=\"__9 _412\"> </span><span class=\"ls0_9\">4<span class=\"__9 _aa_1\"> </span>5<span class=\"__9 _396\"> </span></span><span class=\"ws6_8\">17<span class=\"__9 _aa_1\"> </span></span><span class=\"ls0_9\">5<span class=\"__9 _ab_1\"> </span></span><span class=\"ws6_8\">-13<span class=\"__9 _4e_1\"> </span></span><span class=\"ls0_9\">0<span class=\"__9 _5f_1\"> </span>18<span class=\"__9 _356\"> </span></span>Betalningar <span class=\"__9 _ac_1\"> </span>17<span class=\"__9 _369\"> </span>157<span class=\"__9 _382\"> </span><span class=\"ls0_9 ws0_9\">82<span class=\"__9 _ad_1\"> </span>1<span class=\"__9 _4d_1\"> </span>0<span class=\"__9 _ab_1\"> </span>-5<span class=\"__9 _372\"> </span><span class=\"lsd_7 wsf_8\">2<span class=\"__9 _a_8\"/>52<span class=\"__9 _356\"> </span></span></span>Kor<span class=\"__9 _a_8\"/>t<span class=\"__9 _ae_2\"> </span><span class=\"ls2_8 ws5_8\">246<span class=\"__9 _373\"> </span><span class=\"ls0_9 ws0_9\">49<span class=\"__9 _369\"> </span>10<span class=\"__9 _4d_1\"> </span>0<span class=\"__9 _ad_1\"> </span>1<span class=\"__9 _4e_1\"> </span>0<span class=\"__9 _1d_5\"> </span>306<span class=\"__9 _356\"> </span></span></span>Utl\u00e5ningsprodukt<span class=\"__9 _348\"/>er<span class=\"__9 _9b_1\"> </span><span class=\"ls0_9 ws0_9\">121<span class=\"__9 _382\"> </span>167<span class=\"__9 _370\"> </span>185<span class=\"__9 _a8_2\"> </span>6<span class=\"__9 _a7_2\"> </span>1<span class=\"__9 _ab_1\"> </span>-3<span class=\"__9 _370\"> </span>477<span class=\"__9 _356\"> </span></span>Garantier och dok<span class=\"__9 _413\"/>umentbetalningar<span class=\"__9 _af_2\"> </span>8<span class=\"__9 _373\"> </span>26<span class=\"__9 _382\"> </span>65<span class=\"__9 _4d_1\"> </span>0<span class=\"__9 _4d_1\"> </span>0<span class=\"__9 _b0_1\"> </span>2<span class=\"__9 _2f_3\"> </span>101<span class=\"__9 _356\"> </span>\u00d6vrigt<span class=\"__9 _b1_1\"> </span>9<span class=\"__9 _aa_1\"> </span>7<span class=\"__9 _1c_5\"> </span><span class=\"ls3_8 ws6_8\">-13<span class=\"__9 _396\"> </span>-18<span class=\"__9 _b0_1\"> </span></span>-5<span class=\"__9 _ab_1\"> </span>-3<span class=\"__9 _2e_3\"> </span><span class=\"ls2_8 ws5_8\">-23<span class=\"__9 _356\"> </span></span>Summa<span class=\"__9 _b2_2\"> </span>1 203<span class=\"__9 _1c_5\"> </span>639<span class=\"__9 _1d_5\"> </span>458<span class=\"__9 _375\"> </span>1 073<span class=\"__9 _5f_1\"> </span><span class=\"ls2_8 ws5_8\">-22<span class=\"__9 _1c_5\"> </span><span class=\"ls3_8 ws6_8\">-15<span class=\"__9 _381\"> </span></span></span>3 336<span class=\"__9 _356\"> </span>2021, mn euro Personal Banking<span class=\"__9 _356\"> </span>Business Banking<span class=\"__9 _356\"> </span>Large Corporates &amp; Institutions<span class=\"__9 _356\"> </span>Asset &amp; Wealth Management<span class=\"__9 _a5_2\"> </span>Group Finance<span class=\"__9 _356\"> </span>\u00d6vrigt &amp; elimineringar<span class=\"__9 _356\"> </span>Nordea <span class=\"__9 _c_8\"/> Group<span class=\"__9 _356\"> </span>Provisioner fr<span class=\"__9 _413\"/>\u00e5n kapitalf\u00f6rvaltning<span class=\"__9 _a6_2\"> </span>605<span class=\"__9 _397\"> </span>98<span class=\"__9 _4e_1\"> </span>4<span class=\"__9 _358\"> </span>1 138<span class=\"__9 _a8_2\"> </span>0<span class=\"__9 _4e_1\"> </span>0<span class=\"__9 _381\"> </span>1 845<span class=\"__9 _356\"> </span>Provisioner fr<span class=\"__9 _413\"/>\u00e5n liv<span class=\"__9 _a_8\"/>f\u00f6rs\u00e4kring och pensioner<span class=\"__9 _7b_1\"> </span>227<span class=\"__9 _397\"> </span>85<span class=\"__9 _4f_1\"> </span>4<span class=\"__9 _382\"> </span><span class=\"ls4_8 ws7_8\">-43<span class=\"__9 _4d_1\"> </span></span>0<span class=\"__9 _4e_1\"> </span>0<span class=\"__9 _370\"> </span>27<span class=\"__9 _a_8\"/>3<span class=\"__9 _356\"> </span>Inl\u00e5ningsprodukt<span class=\"__9 _348\"/>er<span class=\"__9 _9d_1\"> </span>7<span class=\"__9 _4f_1\"> </span><span class=\"ls3_8 ws6_8\">17<span class=\"__9 _390\"> </span></span>1<span class=\"__9 _4d_1\"> </span>0<span class=\"__9 _4d_1\"> </span>0<span class=\"__9 _4e_1\"> </span>0<span class=\"__9 _369\"> </span><span class=\"lsc_8 wse_8\">25<span class=\"__9 _356\"> </span></span>Courtage, v\u00e4rdepappersemissioner och f\u00f6retags\ufb01nansiering<span class=\"__9 _444\"> </span><span class=\"ls0_9 ws0_9\">18<span class=\"__9 _397\"> </span>58<span class=\"__9 _372\"> </span>180<span class=\"__9 _373\"> </span>34<span class=\"__9 _390\"> </span></span>-1<span class=\"__9 _2f_3\"> </span><span class=\"ls2_8 ws5_8\">-20<span class=\"__9 _394\"> </span><span class=\"ls0_9 ws0_9\">269<span class=\"__9 _356\"> </span></span></span>Dep\u00e5- och emissionstj\u00e4ns<span class=\"__9 _348\"/>ter<span class=\"__9 _412\"> </span><span class=\"ls0_9\">4<span class=\"__9 _aa_1\"> </span>5<span class=\"__9 _369\"> </span>22<span class=\"__9 _a8_2\"> </span>3<span class=\"__9 _b0_1\"> </span>-9<span class=\"__9 _369\"> </span>10<span class=\"__9 _369\"> </span>35<span class=\"__9 _356\"> </span></span>Betalningar <span class=\"__9 _a2_1\"> </span><span class=\"ls0_9 ws0_9\">15<span class=\"__9 _5f_1\"> </span></span>151<span class=\"__9 _5f_1\"> </span><span class=\"ls0_9 ws0_9\">75<span class=\"__9 _a7_2\"> </span>1<span class=\"__9 _a8_2\"> </span>0<span class=\"__9 _5f_1\"> </span>-6<span class=\"__9 _372\"> </span>236<span class=\"__9 _356\"> </span></span>Kor<span class=\"__9 _a_8\"/>t<span class=\"__9 _ae_2\"> </span><span class=\"ls0_9 ws0_9\">203<span class=\"__9 _397\"> </span>40<span class=\"__9 _4e_1\"> </span>6<span class=\"__9 _ad_1\"> </span>1<span class=\"__9 _4d_1\"> </span>0<span class=\"__9 _4e_1\"> </span>0<span class=\"__9 _394\"> </span>250<span class=\"__9 _356\"> </span></span>Utl\u00e5ningsprodukt<span class=\"__9 _348\"/>er<span class=\"__9 _445\"> </span><span class=\"ls0_9 ws0_9\">125<span class=\"__9 _382\"> </span>156<span class=\"__9 _370\"> </span>193<span class=\"__9 _a8_2\"> </span>5<span class=\"__9 _ad_1\"> </span>1<span class=\"__9 _ab_1\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _372\"> </span></span>478<span class=\"__9 _356\"> </span></span>Garantier och dok<span class=\"__9 _413\"/>umentbetalningar<span class=\"__9 _af_2\"> </span>9<span class=\"__9 _4e_1\"> </span>27<span class=\"__9 _368\"> </span><span class=\"ls6_8 ws9_8\">64<span class=\"__9 _4d_1\"> </span></span>0<span class=\"__9 _aa_1\"> </span>2<span class=\"__9 _4e_1\"> </span>0<span class=\"__9 _370\"> </span>102<span class=\"__9 _356\"> </span>\u00d6vrigt<span class=\"__9 _b3_1\"> </span>10<span class=\"__9 _4d_1\"> </span>6<span class=\"__9 _6a_1\"> </span><span class=\"ls5_8 ws8_8\">-7<span class=\"__9 _396\"> </span><span class=\"ls2_8 ws5_8\">-27<span class=\"__9 _a9_2\"> </span></span></span>-3<span class=\"__9 _4f_1\"> </span>3<span class=\"__9 _2e_3\"> </span><span class=\"ls3_8 ws6_8\">-18<span class=\"__9 _356\"> </span></span>Summa<span class=\"__9 _b4_1\"> </span>1 223<span class=\"__9 _1c_5\"> </span><span class=\"ls4_8 ws7_8\">643<span class=\"__9 _b5_2\"> </span></span>542<span class=\"__9 _1d_5\"> </span>1 112<span class=\"__9 _5f_1\"> </span><span class=\"ls3_8 ws6_8\">-10<span class=\"__9 _2e_3\"> </span>-15<span class=\"__9 _380\"> </span></span>3 495<span class=\"__9 _356\"> </span>K2.4 <span class=\"__9 _b6_2\"> </span> <span class=\"__9 _b7_2\"/>Summa nettoresul<span class=\"__9 _413\"/>tat a<span class=\"__9 _413\"/>v poster till v<span class=\"__9 _413\"/>erkligt v\u00e4rde<span class=\"__9 _356\"> </span>Redovsningsprinciper<span class=\"__9 _356\"> </span> Nettoresul<span class=\"__9 _413\"/>tat av post<span class=\"__9 _413\"/>er till verkligt v\u00e4rde<span class=\"__9 _356\"> </span>Realiserade och or<span class=\"__9 _413\"/>ealiserade vinster och f<span class=\"__9 _348\"/>\u00f6rluster p\u00e5 \ufb01nansiella<span class=\"__9 _356\"> </span> instrument och f<span class=\"__9 _413\"/>\u00f6rvaltningsfastighet<span class=\"__9 _413\"/>er v\u00e4rderade till verkligt<span class=\"__9 _356\"> </span> v\u00e4rde r<span class=\"__9 _348\"/>edovisas normalt under \u201dNettor<span class=\"__9 _413\"/>esultat av pos<span class=\"__9 _413\"/>ter till verkligt<span class=\"__9 _a_8\"/> v\u00e4rde\u201d<span class=\"__9 _357\"/>. F\u00f6r in<span class=\"__9 _413\"/>formation om de redovisningsprinciper som an<span class=\"__9 _413\"/>v\u00e4nds<span class=\"__9 _a_8\"/> vid ber\u00e4kning a<span class=\"__9 _413\"/>v verkligt v\u00e4rde, se not K3.4 \u201dV<span class=\"__9 _413\"/>erkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span> Dessutom ing\u00e5r f<span class=\"__9 _348\"/>\u00f6ljande poster i \u201dNettor<span class=\"__9 _413\"/>esultat av pos<span class=\"__9 _413\"/>ter till<span class=\"__9 _356\"> </span> verkligt v\u00e4r<span class=\"__9 _348\"/>de\u201d:<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter och r\u00e4n<span class=\"__9 _413\"/>tekostnader<span class=\"__9 _413\"/>, h\u00e4nf<span class=\"__9 _413\"/>\u00f6rliga till \ufb01nansierin<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span></span>gen av v<span class=\"__9 _413\"/>erksamheten inom Markets och Life &amp; Pension (sam<span class=\"__9 _413\"/>t<span class=\"__9 _356\"> </span> en portf\u00f6lj med r\u00e4n<span class=\"__9 _413\"/>teb\u00e4rande v\u00e4rdepapper i Lif<span class=\"__9 _413\"/>e &amp; Pension)<span class=\"__9 _356\"> </span> v\u00e4rder<span class=\"__9 _413\"/><span class=\"__9 _356\">ade till upplupet anskaffningsv\u00e4rde.<span class=\"__9 _356\"> </span></span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">Realiserade vins<span class=\"__9 _413\"/>ter/f\u00f6rl<span class=\"__9 _348\"/>uster p\u00e5 tillg\u00e5ngar och sk<span class=\"__9 _348\"/>ulder<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>v\u00e4rder<span class=\"__9 _413\"/><span class=\"__9 _356\">ade till upplupet anskaffningsv\u00e4rde.<span class=\"__9 _356\"> </span></span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\"> Omv\u00e4r<span class=\"__9 _348\"/>deringen av s\u00e4kr<span class=\"__9 _413\"/>ade risker i s\u00e4krade poster i<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>s\u00e4kringsredovisningen.<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span>V<span class=\"__9 _413\"/>alutakursf\u00f6r<span class=\"__9 _413\"/>\u00e4ndringar<span class=\"__9 _356\"> </span> \u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">F\u00f6r<span class=\"__9 _413\"/>\u00e4ndringar i skulder till f\u00f6rs\u00e4kringstagare och riskr<span class=\"__9 _348\"/>esultat<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>fr\u00e5n f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsavtal inom Life &amp; P<span class=\"__9 _413\"/>ension redovisas enligt<span class=\"__9 _356\"> </span> IFRS 4 (se ytterligare in<span class=\"__9 _413\"/>formation nedan).<span class=\"__9 _356\"> </span>F\u00f6ljande pos<span class=\"__9 _413\"/>ter ing\u00e5r inte i \u201dNettoresul<span class=\"__9 _348\"/>tat a<span class=\"__9 _413\"/>v poster till verkligt<span class=\"__9 _356\"> </span> v\u00e4rde\u201d:<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">R\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat som an<span class=\"__9 _413\"/>v\u00e4nds f\u00f6r s\u00e4kringsredo<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span></span>visning och ekonomiska s\u00e4kringar<span class=\"__9 _413\"/>. Dessa komponen<span class=\"__9 _348\"/>ter<span class=\"__9 _356\"> </span> redovisas under \u201dR\u00e4n<span class=\"__9 _413\"/>tenetto\u201d f\u00f6r att s\u00e4k<span class=\"__9 _348\"/>erst\u00e4lla redovis<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>ningsm\u00e4ssig \u00f6verenss<span class=\"__9 _413\"/>t\u00e4mmelse med de s\u00e4krade posterna.<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">F\u00f6rlus<span class=\"__9 _413\"/>ter fr\u00e5n motpartsrisk p\u00e5 utl\u00e5ning i portf\u00f6ljer som h\u00e5lls<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>till f\u00f6rf<span class=\"__9 _348\"/>all och obligatorisk<span class=\"__9 _413\"/>t v\u00e4rderas till verkligt v<span class=\"__9 _348\"/>\u00e4rde (uppf<span class=\"__9 _413\"/><span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>yller inte krit<span class=\"__9 _413\"/>eriet att kassafl\u00f6det enbart ska utg\u00f6ras av bet<span class=\"__9 _348\"/>al<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>ning av kapit<span class=\"__9 _348\"/>albelopp och r\u00e4n<span class=\"__9 _348\"/>ta) redovisas under den separ<span class=\"__9 _413\"/>at<span class=\"__9 _356\"> </span> posten \u201dNettor<span class=\"__9 _413\"/>esultat av utl\u00e5ning i portf<span class=\"__9 _348\"/>\u00f6ljer som h\u00e5lls till f\u00f6r<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>fall och obliga<span class=\"__9 _348\"/>toriskt v<span class=\"__9 _413\"/>\u00e4rderas till verkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Int\u00e4k<span class=\"__9 _413\"/>tsredovisningen och beteckningarna f\u00f6r de pos<span class=\"__9 _413\"/>ter som<span class=\"__9 _356\"> </span> avser livf<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsverksamheten beskrivs under \u201dInt\u00e4k<span class=\"__9 _413\"/>tsredo<span class=\"__9 _a_8\"/>-<span class=\"__9 _356\"> </span>visning livf\u00f6rs\u00e4kring\u201d nedan.<span class=\"__9 _356\"> </span>F\u00f6r fler r<span class=\"__9 _413\"/>edovisningsprinciper avseende valut<span class=\"__9 _348\"/>akursf\u00f6r<span class=\"__9 _413\"/>\u00e4nd-<span class=\"__9 _356\"> </span>ringar<span class=\"__9 _413\"/>, se not K1 \u201dRedovisningsprinciper\u201d och not K9.2 \u201dV<span class=\"__9 _413\"/>aluta-<span class=\"__9 _356\"> </span>omr\u00e4kning a<span class=\"__9 _413\"/>v utl\u00e4ndska f\u00f6retag/\ufb01lialer<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>Nettoresul<span class=\"__9 _413\"/>tat av utl\u00e5ning i portf<span class=\"__9 _348\"/>\u00f6ljer som h\u00e5lls till<span class=\"__9 _356\"> </span> f\u00f6rf<span class=\"__9 _413\"/>all och obligatoriskt v\u00e4r<span class=\"__9 _413\"/>deras till verkligt v\u00e4rde<span class=\"__9 _356\"> </span>Post<span class=\"__9 _413\"/>en \u201dNettoresultat a<span class=\"__9 _413\"/>v utl\u00e5ning i por<span class=\"__9 _a_8\"/>tf\u00f6ljer som h\u00e5lls till f<span class=\"__9 _413\"/>\u00f6r-<span class=\"__9 _356\"> </span>fall och obliga<span class=\"__9 _348\"/>toriskt v<span class=\"__9 _413\"/>\u00e4rderas till verkligt v\u00e4rde\u201d inkl<span class=\"__9 _413\"/>uderar jus-<span class=\"__9 _356\"> </span>teringar till verkligt v\u00e4r<span class=\"__9 _413\"/>de av marginalkomponen<span class=\"__9 _413\"/>ten f\u00f6r l\u00e5ne-<span class=\"__9 _356\"> </span>for<span class=\"__9 _348\"/>dringar i portf\u00f6ljer d\u00e4r a<span class=\"__9 _413\"/>vsikten \u00e4r att beh\u00e5lla instrumen<span class=\"__9 _413\"/>ten<span class=\"__9 _356\"> </span> till f\u00f6rf<span class=\"__9 _348\"/>all och d\u00e4r dessa m\u00e5ste v<span class=\"__9 _413\"/>\u00e4rderas till verkligt v\u00e4rde (upp-<span class=\"__9 _356\"> </span>fyller inte SPPI-krit<span class=\"__9 _413\"/>eriet). L\u00e5nefordringarna klassi\ufb01cer<span class=\"__9 _348\"/>as i kate-<span class=\"__9 _356\"> </span>gorin \u201dFinansiella tillg\u00e5ngar v\u00e4rder<span class=\"__9 _413\"/>ade till verkligt v\u00e4rde via<span class=\"__9 _356\"> </span> resulta<span class=\"__9 _413\"/>tr\u00e4kningen\u201d och redovisas under posten \u201dUtl\u00e5ning till<span class=\"__9 _356\"> </span> allm\u00e4nheten\u201d i balansr\u00e4kningen. Jus<span class=\"__9 _348\"/>teringar till verkligt v\u00e4r<span class=\"__9 _413\"/>de<span class=\"__9 _356\"> </span> avser f<span class=\"__9 _413\"/>r\u00e4mst f\u00f6r<span class=\"__9 _413\"/>\u00e4ndringar i kreditrisk.<span class=\"__9 _356\"> </span>F\u00f6rlus<span class=\"__9 _413\"/>ter fr\u00e5n motpartsrisk i instrumen<span class=\"__9 _413\"/>t som klassi\ufb01cerats i<span class=\"__9 _356\"> </span> kategorin \u201dFinansiella tillg\u00e5ngar v<span class=\"__9 _413\"/>\u00e4rderade till verkligt v\u00e4rde<span class=\"__9 _356\"> </span>via resulta<span class=\"__9 _413\"/>tr\u00e4kningen\u201d redovisas under \u201dNettoresul<span class=\"__9 _348\"/>tat a<span class=\"__9 _413\"/>v poste<span class=\"__9 _356\"> </span>r<span class=\"__9 _356\"> </span> till verkligt v\u00e4r<span class=\"__9 _348\"/>de\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Nedskrivningar avseende ins<span class=\"__9 _413\"/>trument i andra kategorier \u00e4n<span class=\"__9 _356\"> </span> \u201dFinansiella tillg\u00e5ngar v\u00e4rder<span class=\"__9 _413\"/>ade till verkligt v\u00e4rde via resulta<span class=\"__9 _413\"/>t-<span class=\"__9 _356\"> </span>r\u00e4kningen\u201d redo<span class=\"__9 _348\"/>visas under posten \u201dKreditf<span class=\"__9 _413\"/>\u00f6rluster<span class=\"__9 _413\"/>, netto\u201d<span class=\"__9 _357\"/>. F\u00f6r<span class=\"__9 _356\"> </span> ytterligare in<span class=\"__9 _348\"/>forma<span class=\"__9 _413\"/>tion, se not K2.9 \u201dKreditf\u00f6rlus<span class=\"__9 _413\"/>ter<span class=\"__9 _425\"/>\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__9 _413\"/>ttningar<span class=\"__9 _356\"> </span>Os\u00e4kerhet i uppskattningar \ufb01nns i samband med v<span class=\"__9 _413\"/>\u00e4rdering av<span class=\"__9 _356\"> </span> \ufb01nansiella instrument, fr<span class=\"__9 _348\"/>amf<span class=\"__9 _413\"/>\u00f6r allt f\u00f6r instrumen<span class=\"__9 _413\"/>t som saknar<span class=\"__9 _356\"> </span> noter<span class=\"__9 _348\"/>ade kurser och nyligen observerade marknadsk<span class=\"__9 _413\"/>ur<span class=\"__9 _a_8\"/>ser<span class=\"__9 _356\"> </span> <span class=\"__9 _356\">(instrument i niv</span><span class=\"__9 _413\"/>\u00e5 3). Se not K3.4 \u201dV<span class=\"__9 _348\"/>erkligt v\u00e4rde\u201d<span class=\"__9 _356\"> </span><span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Summa nettoresul<span class=\"__9 _413\"/>tat av post<span class=\"__9 _348\"/>er till verkligt v\u00e4r<span class=\"__9 _348\"/>de<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _b8_1\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Nettoresulta<span class=\"__9 _413\"/>t av poster till verkligt v\u00e4r<span class=\"__9 _413\"/>de<span class=\"__9 _b9_2\"> </span>721<span class=\"__9 _2b_3\"> </span>1 119<span class=\"__9 _356\"> </span>Nettoresulta<span class=\"__9 _413\"/>t av utl\u00e5ning i portf\u00f6ljer som h\u00e5lls till<span class=\"__9 _356\"> </span> f\u00f6rfall och obliga<span class=\"__9 _413\"/>toriskt v\u00e4rderas till v<span class=\"__9 _348\"/>erkligt v\u00e4rde<span class=\"__9 _365\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _a_8\"/>3<span class=\"__9 _375\"> </span></span>83<span class=\"__9 _356\"> </span>Summa<span class=\"__9 _350\"> </span>708<span class=\"__9 _360\"> </span>1 202<span class=\"__9 _356\"> </span>F\u00f6r<span class=\"__9 _413\"/>delning efter produkt<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _b8_1\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Aktierela<span class=\"__9 _413\"/><span class=\"__9 _356\">terade instrument1</span><span class=\"__9 _ba_2\"> </span>431<span class=\"__9 _381\"> </span><span class=\"ls3_8 ws6_8\">570<span class=\"__9 _356\"> </span></span>R\u00e4nterela<span class=\"__9 _413\"/>terade instrument och<span class=\"__9 _356\"> </span> valutakursf<span class=\"__9 _413\"/><span class=\"__9 _356\">\u00f6r\u00e4ndringar2</span><span class=\"__9 _bb_2\"> </span><span class=\"ls2_8 ws5_8\">248<span class=\"__9 _381\"> </span></span>478<span class=\"__9 _356\"> </span>\u00d6vriga \ufb01nansiella instrument (inklusiv<span class=\"__9 _413\"/>e krediter<span class=\"__9 _356\"> </span> och r\u00e5<span class=\"__9 _348\"/>varor)<span class=\"__9 _bc_1\"> </span>-32<span class=\"__9 _387\"> </span><span class=\"ls3_8 ws6_8\">57<span class=\"__9 _356\"> </span></span>Nordea Life &amp; P<span class=\"__9 _413\"/><span class=\"__9 _356\">ension3<span class=\"__9 _356\"> </span></span>,<span class=\"__9 _356\"> </span><span class=\"__9 _356\">4</span><span class=\"__9 _bd_2\"> </span>61<span class=\"__9 _387\"> </span><span class=\"ls11_7 ws14_8\">97<span class=\"__9 _356\"> </span></span>Summa<span class=\"__9 _350\"> </span>708<span class=\"__9 _360\"> </span>1 202<span class=\"__9 _356\"> </span>1) Inkluderar f\u00f6rl<span class=\"__9 _348\"/>uster p\u00e5 8 mn euro fr<span class=\"__9 _413\"/>\u00e5n fondinnehav i Ryssland under 2022.<span class=\"__9 _356\"> </span>2) Inkluderar f\u00f6rl<span class=\"__9 _348\"/>ust fr\u00e5n \u00f6<span class=\"__9 _348\"/>verf\u00f6ringen a<span class=\"__9 _348\"/>v 529 mn euro i ackumulerade val<span class=\"__9 _348\"/>utakursf\u00f6rlus<span class=\"__9 _413\"/>ter<span class=\"__9 _356\"> </span> avseende verksamhet i R<span class=\"__9 _348\"/>yssland under 2022.<span class=\"__9 _356\"> </span>3)  <span class=\"__9 _c_8\"/>Interna transak<span class=\"__9 _348\"/>tioner har ej eliminerats mot andr<span class=\"__9 _348\"/>a rader i noten. Raden Nordea Lif<span class=\"__9 _413\"/>e &amp;<span class=\"__9 _356\"> </span> <span class=\"__9 _356\">Pension ger s\u00e5ledes den verkliga eff</span><span class=\"__9 _413\"/>ekten fr\u00e5n livf\u00f6rs\u00e4kringsverksamheten.<span class=\"__9 _356\"> </span> 4)   <span class=\"__9 _c_8\"/>Premieint\u00e4kter uppgick till 194 mn eur<span class=\"__9 _413\"/>o (306 mn euro).<span class=\"__9 _356\"> </span>Nettoresul<span class=\"__9 _413\"/>tat fr\u00e5n ka<span class=\"__9 _348\"/>tegorier a<span class=\"__9 _413\"/>v \ufb01nansiella instrument<span class=\"__9 _356\"> </span> Mn euro<span class=\"__9 _be_2\"> </span>2022<span class=\"__9 _e_8\"> </span>2021<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade till v<span class=\"__9 _413\"/>erkligt v\u00e4rde via<span class=\"__9 _356\"> </span> \u00f6vrigt totalr<span class=\"__9 _413\"/>esultat<span class=\"__9 _356\"> </span>-1 508<span class=\"__9 _5b_1\"> </span>-331<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar redan fr\u00e5n b\u00f6rjan v<span class=\"__9 _413\"/>\u00e4rderade<span class=\"__9 _356\"> </span> till verkligt v\u00e4rde via r<span class=\"__9 _413\"/>esultatr\u00e4kningen<span class=\"__9 _420\"> </span><span class=\"ls2_8 ws5_8\">-245<span class=\"__9 _383\"> </span><span class=\"ls4_8 ws7_8\">-4<span class=\"__9 _356\"> </span></span></span>Finansiella skulder redan fr<span class=\"__9 _413\"/>\u00e5n b\u00f6rjan v\u00e4rderade till<span class=\"__9 _356\"> </span> verkligt v\u00e4rde via r<span class=\"__9 _413\"/>esultatr\u00e4kningen<span class=\"__9 _356\"> </span>11 643<span class=\"__9 _bf_2\"> </span>-5 179<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar och skulder obligatorisk<span class=\"__9 _413\"/>t<span class=\"__9 _356\"> </span> v\u00e4rderade till v<span class=\"__9 _413\"/>erkligt v\u00e4rde via resultatr<span class=\"__9 _348\"/><span class=\"__9 _356\">\u00e4kningen1</span><span class=\"__9 _353\"> </span>-<span class=\"__9 _413\"/>16 97<span class=\"__9 _a_8\"/>3<span class=\"__9 _c0_2\"> </span>6 726<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade till uppl<span class=\"__9 _413\"/>upet<span class=\"__9 _356\"> </span> anskaffningsv\u00e4r<span class=\"__9 _413\"/><span class=\"__9 _356\">de2</span><span class=\"__9 _c1_1\"> </span>-1 941<span class=\"__9 _385\"> </span>-<span class=\"__9 _a_8\"/>403<span class=\"__9 _356\"> </span>Finansiella skulder v\u00e4rder<span class=\"__9 _413\"/>ade till upplupet<span class=\"__9 _356\"> </span> anskaffningsv\u00e4r<span class=\"__9 _413\"/><span class=\"__9 _356\">de3</span><span class=\"__9 _404\"> </span>7 546<span class=\"__9 _c2_2\"> </span>1 947<span class=\"__9 _356\"> </span>V<span class=\"__9 _413\"/>alutakursf\u00f6r\u00e4ndringar<span class=\"__9 _413\"/>, exklusiv<span class=\"__9 _348\"/>e valutas\u00e4kringar<span class=\"__9 _379\"> </span>483<span class=\"__9 _362\"> </span>208<span class=\"__9 _356\"> </span><span class=\"__9 _356\">Icke finansiella tillg\u00e5ngar och skulder4</span><span class=\"__9 _c3_1\"> </span>1 703<span class=\"__9 _bf_2\"> </span><span class=\"ls3_8 ws6_8\">-1 76<span class=\"__9 _a_8\"/>2<span class=\"__9 _356\"> </span></span>Summa<span class=\"__9 _c4_1\"> </span>708<span class=\"__9 _c2_2\"> </span>1 202<span class=\"__9 _356\"> </span>1)   <span class=\"__9 _c_8\"/>Var<span class=\"__9 _348\"/>av periodiserade dag 1<span class=\"__9 _413\"/>-resultat uppg\u00e5r till 51 mn euro (54 mn euro<span class=\"__9 _348\"/>).<span class=\"__9 _356\"> </span>2)   <span class=\"__9 _c5_2\"/>Posten innef<span class=\"__9 _413\"/>attar vinster till f\u00f6ljd a<span class=\"__9 _348\"/>v bortbokning av \ufb01nansiella tillg\u00e5ngar v\u00e4rder<span class=\"__9 _348\"/>ade till<span class=\"__9 _356\"> </span> <span class=\"__9 _356\">upplupet anskaffningsv\u00e4r</span><span class=\"__9 _413\"/><span class=\"__9 _356\">de p\u00e5 mostsvarande 3 mn euro (9 mn euro) och f</span><span class=\"__9 _348\"/>\u00f6rluster p\u00e5<span class=\"__9 _356\"> </span> <span class=\"__9 _356\">motsvarande -4 mn euro (0 mn euro</span><span class=\"__9 _413\"/>). Bor<span class=\"__9 _a_8\"/>tbokningen gjordes eftersom tillg\u00e5ngarna<span class=\"__9 _356\"> </span> hade f\u00f6rutbetalts a<span class=\"__9 _413\"/>v kunden eller s\u00e5lts. Posten innef<span class=\"__9 _348\"/>attar \u00e4v<span class=\"__9 _413\"/>en f\u00f6r\u00e4ndringar i verkligt<span class=\"__9 _356\"> </span> v\u00e4rde p\u00e5 r\u00e4n<span class=\"__9 _413\"/><span class=\"__9 _356\">tes\u00e4krade tillg\u00e5ngar v\u00e4rderade till upplupet anskaffningsv</span><span class=\"__9 _413\"/>\u00e4rde p\u00e5 motsva<span class=\"__9 _356\"> </span>-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">rande -2 052 mn euro (-552 mn euro</span><span class=\"__9 _413\"/>) och r\u00e4nta p\u00e5 instrument som v\u00e4r<span class=\"__9 _348\"/>derats till upplu<span class=\"ls0_9\">-<span class=\"__9 _356\"> </span></span><span class=\"__9 _356\">pet anskaffningsv\u00e4rde i Lif</span><span class=\"__9 _413\"/><span class=\"__9 _356\">e &amp; Pension p\u00e5 motsvarande 112 mn euro (110 mn eur</span><span class=\"__9 _348\"/>o).<span class=\"__9 _356\"> </span>3)   <span class=\"__9 _c_8\"/>Posten innefa<span class=\"__9 _413\"/>ttar huvudsakligen f\u00f6r\u00e4ndringar i verkligt v\u00e4rde p\u00e5 r\u00e4n<span class=\"__9 _413\"/>tes\u00e4krade skul<span class=\"__9 _356\"> </span>-<span class=\"__9 _356\"> </span>der v\u00e4rderade till upplupet anska<span class=\"__9 _413\"/><span class=\"__9 _356\">ffningsv\u00e4rde p\u00e5 motsvarande 7 598 mn euro<span class=\"__9 _356\"> </span></span> <span class=\"__9 _356\">(1 966 mn euro).<span class=\"__9 _356\"> </span></span>4)   <span class=\"__9 _c_8\"/>Posten innefa<span class=\"__9 _413\"/>ttar huvudsakligen f\u00f6r\u00e4ndringar i f\u00f6rs\u00e4kringstekniska a<span class=\"__9 _413\"/>vs\u00e4ttningar i<span class=\"__9 _356\"> </span> Life &amp; Pension p\u00e5 mos<span class=\"__9 _413\"/>tsvarande 1 317 mn euro (-1 004 mn euro) och f<span class=\"__9 _413\"/>\u00f6r\u00e4ndring av<span class=\"__9 _356\"> </span> \u00e5terb\u00e4ringsmedel i Life &amp; P<span class=\"__9 _413\"/>ension p\u00e5 motsvarande 306 mn euro (-1 061 mn euro)<span class=\"__9 _356\"> </span>.<span class=\"__9 _356\"> </span>Int\u00e4k<span class=\"__9 _413\"/>tsredovisning livf\u00f6rs\u00e4kring<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _b8_1\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Aktierela<span class=\"__9 _413\"/>terade instrument<span class=\"__9 _c6_1\"> </span>-1 422<span class=\"__9 _1e_5\"> </span><span class=\"ls2_8 ws5_8\">1<span class=\"__9 _a_8\"/> 7<span class=\"__9 _a_8\"/>24<span class=\"__9 _356\"> </span></span>R\u00e4nterela<span class=\"__9 _413\"/>terade instrument och<span class=\"__9 _356\"> </span>valutakursf<span class=\"__9 _413\"/>\u00f6r\u00e4ndringar<span class=\"__9 _436\"> </span>-461<span class=\"__9 _367\"> </span><span class=\"ls2_8 ws5_8\">-29<span class=\"__9 _356\"> </span></span>F\u00f6rvaltningsf<span class=\"__9 _413\"/>astigheter <span class=\"__9 _4b_1\"> </span>-41<span class=\"__9 _381\"> </span>198<span class=\"__9 _356\"> </span>F\u00f6r\u00e4ndring a<span class=\"__9 _413\"/>v f\u00f6rs\u00e4kringstekniska a<span class=\"__9 _413\"/>vs\u00e4ttningar<span class=\"__9 _367\"> </span>1 562<span class=\"__9 _379\"> </span>-863<span class=\"__9 _356\"> </span>F\u00f6r\u00e4ndring a<span class=\"__9 _413\"/>v \u00e5terb\u00e4ringsmedel<span class=\"__9 _c7_1\"> </span>372<span class=\"__9 _5a_1\"> </span>-987<span class=\"__9 _356\"> </span>Int\u00e4k<span class=\"__9 _413\"/>ter f\u00f6rs\u00e4kringsrisk<span class=\"__9 _435\"> </span>80<span class=\"__9 _387\"> </span><span class=\"ls13_7 ws15_8\">73<span class=\"__9 _356\"> </span></span>Kostnader f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsrisk<span class=\"__9 _c8_2\"> </span><span class=\"ls2_8 ws5_8\">-29<span class=\"__9 _364\"> </span><span class=\"ls3_8 ws6_8\">-19<span class=\"__9 _356\"> </span></span></span>Summa<span class=\"__9 _c9_2\"> </span>61<span class=\"__9 _375\"> </span><span class=\"ls14_7 ws16_8\">97<span class=\"__9 _356\"> </span></span>Int\u00e4k<span class=\"__9 _413\"/>terna fr\u00e5n livf\u00f6rs\u00e4kringsverksamhet<span class=\"__9 _348\"/>en utg\u00f6rs huvudsakli-<span class=\"__9 _356\"> </span>gen av:<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span>kostnadsre<span class=\"__9 _348\"/>sultat<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">resulta<span class=\"__9 _413\"/>t fr\u00e5n f\u00f6rs\u00e4kringsrisk<span class=\"__9 _356\"> </span></span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">vinstdelning p\u00e5 risk<span class=\"__9 _413\"/>- och avkastningsresul<span class=\"__9 _413\"/>tat<span class=\"__9 _356\"> </span></span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">avkas<span class=\"__9 _413\"/>tning p\u00e5 ytterligare kapital i<span class=\"__9 _356\"> </span></span>livf\u00f6rs\u00e4kringsverksamheten.<span class=\"__9 _356\"> </span>Resulta<span class=\"__9 _413\"/>t fr\u00e5n dessa komponent<span class=\"__9 _413\"/>er, med undan<span class=\"__9 _413\"/>tag f\u00f6r kostnads-<span class=\"__9 _356\"> </span>resulta<span class=\"__9 _413\"/>t och vinstdelning p\u00e5 risk- och a<span class=\"__9 _413\"/>vkastningsresultat f<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _356\"> </span>fondf<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsavtal och \ufb01nansiella avt<span class=\"__9 _348\"/>al, ing\u00e5r i \u201dNettoresulta<span class=\"__9 _413\"/>t<span class=\"__9 _356\"> </span>av pos<span class=\"__9 _413\"/>ter till verkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Kostnadsr<span class=\"__9 _413\"/>esultatet utg\u00f6rs a<span class=\"__9 _348\"/>v ett av<span class=\"__9 _413\"/>giftsuttag fr\u00e5n f\u00f6rs\u00e4k<span class=\"__9 _413\"/>-<span class=\"__9 _356\"> </span>ringstagarna och ing\u00e5r i post<span class=\"__9 _413\"/>en \u201d<span class=\"__9 _413\"/>A<span class=\"__9 _413\"/>vgifts- och provisionsin<span class=\"__9 _413\"/>t\u00e4k-<span class=\"__9 _356\"> </span>ter<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _357\"/>, tillsammans med vinstdelningen p\u00e5 risk- och a<span class=\"__9 _413\"/>vkastnings-<span class=\"__9 _356\"> </span>resulta<span class=\"__9 _413\"/>t f\u00f6r fondf<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>s\u00e4kringsa<span class=\"__9 _348\"/>vtal och \ufb01nansiella avt<span class=\"__9 _413\"/>al<span class=\"__9 _a_8\"/>. Motsva<span class=\"__9 _413\"/>-<span class=\"__9 _356\"> </span>rande kos<span class=\"__9 _348\"/>tnader ing\u00e5r i posterna \u201d<span class=\"__9 _357\"/>A<span class=\"__9 _413\"/>vgifts- och<span class=\"__9 _356\"> </span>provisionskos<span class=\"__9 _413\"/>tnader<span class=\"__9 _425\"/>\u201d och \u201dR\u00f6relsek<span class=\"__9 _348\"/>ostnader<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _357\"/>. F\u00f6rs\u00e4kringstaga-<span class=\"__9 _356\"> </span>rens andel a<span class=\"__9 _413\"/>v ett positivt eller negativt kostnadsresulta<span class=\"__9 _413\"/>t (vinst-<span class=\"__9 _356\"> </span>delning) ing\u00e5r i posten \u201dF<span class=\"__9 _413\"/>\u00f6r\u00e4ndring av f<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>s\u00e4kringstekniska<span class=\"__9 _356\"> </span>avs\u00e4<span class=\"__9 _413\"/>ttningar<span class=\"__9 _425\"/>\u201d i tabellen ovan.<span class=\"__9 _356\"> </span>Resulta<span class=\"__9 _413\"/>tet av f<span class=\"__9 _348\"/>\u00f6rs\u00e4kringsrisker utg\u00f6rs av in<span class=\"__9 _413\"/>t\u00e4kter fr<span class=\"__9 _413\"/>\u00e5n enskil-<span class=\"__9 _356\"> </span>da riskprodukt<span class=\"__9 _413\"/>er och fr\u00e5n f\u00f6rs\u00e4kringsdelen i enskilda livf\u00f6rs\u00e4k<span class=\"__9 _413\"/>-<span class=\"__9 _356\"> </span>ringsavtal <span class=\"__9 _348\"/>samt sjuk<span class=\"__9 _413\"/>- och olycksfallsf<span class=\"__9 _413\"/>\u00f6rs\u00e4kringar. Riskpr<span class=\"__9 _413\"/>emierna<span class=\"__9 _356\"> </span>f\u00f6r<span class=\"__9 _348\"/>delas \u00f6ver f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsperioden och avs\u00e4ttningarna minskar i<span class=\"__9 _356\"> </span>takt med a<span class=\"__9 _413\"/>tt f\u00f6rs\u00e4kringsrisken avtar<span class=\"__9 _357\"/>. En stor del av riskr<span class=\"__9 _413\"/>esulta-<span class=\"__9 _356\"> </span>tet fr\u00e5n tr<span class=\"__9 _413\"/>aditionella liv<span class=\"__9 _a_8\"/>f\u00f6rs\u00e4kringsa<span class=\"__9 _413\"/>vtal omfa<span class=\"__9 _348\"/>ttas a<span class=\"__9 _348\"/>v vinstdel-<span class=\"__9 _356\"> </span>ning, vilket inneb\u00e4r att f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringstagarna erh\u00e5ller en del av<span class=\"__9 _356\"> </span>nettoint\u00e4k<span class=\"__9 _413\"/>terna eller nettounderskottet. Riskint\u00e4k<span class=\"__9 _413\"/>terna och<span class=\"__9 _356\"> </span>riskkostnaderna bruttor<span class=\"__9 _413\"/>edovisas under posterna \u201dInt\u00e4k<span class=\"__9 _413\"/>ter f\u00f6r-<span class=\"__9 _356\"> </span>s\u00e4kringsrisk\u201d och \u201dKostnader f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsrisk\u201d i tabellen. F\u00f6r-<span class=\"__9 _356\"> </span>s\u00e4kringstagarnas andel a<span class=\"__9 _413\"/>v resultatet redo<span class=\"__9 _413\"/>visas under posten<span class=\"__9 _356\"> </span>\u201dF\u00f6r<span class=\"__9 _413\"/>\u00e4ndring av f\u00f6rs\u00e4kringst<span class=\"__9 _348\"/>ekniska avs\u00e4<span class=\"__9 _413\"/>ttningar<span class=\"__9 _425\"/>\u201d i samma<span class=\"__9 _356\"> </span>tabell.<span class=\"__9 _356\"> </span>Vinster och f<span class=\"__9 _413\"/>\u00f6rluster fr\u00e5n plac<span class=\"__9 _348\"/>eringar inom Life &amp; P<span class=\"__9 _413\"/>ension<span class=\"__9 _356\"> </span>f\u00f6r<span class=\"__9 _348\"/>delas p\u00e5 respek<span class=\"__9 _348\"/>tive post i tabellen, pr<span class=\"__9 _413\"/>ecis som andra place-<span class=\"__9 _356\"> </span>ringar i Nordea. Pos<span class=\"__9 _413\"/>terna omfatt<span class=\"__9 _348\"/>ar avk<span class=\"__9 _348\"/>astning p\u00e5 tillg\u00e5ngar<span class=\"__9 _356\"> </span>som ska t\u00e4cka skulder till f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringstagarna och avkas<span class=\"__9 _348\"/>tning<span class=\"__9 _356\"> </span>p\u00e5 ytterligare kapital som allok<span class=\"__9 _413\"/>erats till Life &amp; P<span class=\"__9 _413\"/>ension (eget<span class=\"__9 _356\"> </span>kapital i Life &amp; P<span class=\"__9 _413\"/>ension).<span class=\"__9 _356\"> </span>Post<span class=\"__9 _413\"/>en \u201dF\u00f6r\u00e4ndring a<span class=\"__9 _413\"/>v f\u00f6rs\u00e4kringstekniska a<span class=\"__9 _348\"/>vs\u00e4ttningar<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _356\"> </span>innefa<span class=\"__9 _413\"/>ttar:<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">A<span class=\"__9 _413\"/>vkastning p\u00e5 tillg\u00e5ngar som h\u00e5lls f\u00f6r att t\u00e4ck<span class=\"__9 _348\"/>a skulder till<span class=\"__9 _356\"> </span></span>f\u00f6rs\u00e4kringstagarna (inkl<span class=\"__9 _413\"/>usive skulder fr\u00e5n traditionella<span class=\"__9 _356\"> </span>livf\u00f6rs\u00e4kringsavt<span class=\"__9 _413\"/>al<span class=\"__9 _a_8\"/>, fondf<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsavtal och \ufb01nansiella avtal),<span class=\"__9 _356\"> </span>som \u00f6verf<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>s individuellt till f<span class=\"__9 _348\"/>\u00f6rs\u00e4kringstagarnas kon<span class=\"__9 _413\"/>ton i<span class=\"__9 _a_8\"/> enlighet med deras a<span class=\"__9 _413\"/>vtal<span class=\"__9 _a_8\"/>.<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">Ytterligare \u00e5terb\u00e4ring (<span class=\"__9 _348\"/>diskretion\u00e4r del) till f<span class=\"__9 _348\"/>\u00f6rs\u00e4kringstagarna<span class=\"__9 _356\"> </span></span>avseende tr<span class=\"__9 _413\"/>aditionella liv<span class=\"__9 _a_8\"/>f\u00f6rs\u00e4kringsa<span class=\"__9 _413\"/>vtal eller andra \u00f6verf<span class=\"__9 _348\"/>\u00f6rin<span class=\"ls0_9 ws0_9\">-<span class=\"__9 _356\"> </span></span>gar till f\u00f6rs\u00e4kringstagarna f<span class=\"__9 _413\"/>\u00f6r att t\u00e4cka tillf\u00e4lliga undersko<span class=\"__9 _413\"/>tt<span class=\"__9 _a_8\"/> mellan placeringsresult<span class=\"__9 _348\"/>at och even<span class=\"__9 _413\"/>tuell avtalad minimif<span class=\"__9 _413\"/>\u00f6rm\u00e5n.<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">Vinstdelning p\u00e5 risk- och a<span class=\"__9 _413\"/>vkastningsresulta<span class=\"__9 _413\"/>t f\u00f6r traditionella<span class=\"__9 _356\"> </span></span>livf\u00f6rs\u00e4kringsproduk<span class=\"__9 _413\"/>ter i enlighet med lokala f\u00f6rdelningsregler<span class=\"__9 _356\"> </span>i respek<span class=\"__9 _348\"/>tive Lif<span class=\"__9 _413\"/>e &amp; Pension-enhet och g\u00e4llande avtal med<span class=\"__9 _356\"> </span>f\u00f6rs\u00e4kringstagarna. R<span class=\"__9 _413\"/>edovisningen av vinst<span class=\"__9 _413\"/>delningen i<span class=\"__9 _356\"> </span><span class=\"__9 _a_8\"/>  <span class=\"__9 _c_8\"/>result<span class=\"__9 _348\"/>atr\u00e4kningen f<span class=\"__9 _413\"/>\u00f6ruts\u00e4tter fram<span class=\"__9 _413\"/>f\u00f6r allt ett positivt result<span class=\"__9 _348\"/>at f<span class=\"__9 _413\"/>\u00f6<span class=\"__9 _356\"> </span>r<span class=\"__9 _a_8\"/> traditionella livf\u00f6rs\u00e4kringsa<span class=\"__9 _413\"/>vtal. Vinstdelning som inte kan<span class=\"__9 _356\"> </span> redovisas under innev<span class=\"__9 _413\"/>arande period till f\u00f6ljd a<span class=\"__9 _413\"/>v svaga placerin<span class=\"ls0_9 ws0_9\">-<span class=\"__9 _356\"> </span></span>gsresulta<span class=\"__9 _413\"/>t kan i vissa l\u00e4nder senarel\u00e4ggas, helt eller delvis, till \u00e5<span class=\"__9 _356\"> </span>r med h\u00f6gre a<span class=\"__9 _413\"/>vkastning.<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">F\u00f6rs\u00e4kringstagarnas andel a<span class=\"__9 _413\"/>v kostnads- och riskresulta<span class=\"__9 _348\"/>tet f<span class=\"__9 _348\"/>\u00f6r<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>traditionella livf\u00f6rs\u00e4kringsa<span class=\"__9 _413\"/>vtal eller fondf\u00f6rs\u00e4kringsa<span class=\"__9 _413\"/>vtal.<span class=\"__9 _356\"> </span>Post<span class=\"__9 _413\"/>en \u201dF\u00f6r\u00e4ndring a<span class=\"__9 _413\"/>v \u00e5terb\u00e4ringsmedel\u201d i tabellen ovan a<span class=\"__9 _413\"/>vse<span class=\"__9 _356\"> </span>r endast traditionella livf<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>s\u00e4kringsavt<span class=\"__9 _348\"/>al. Posten om<span class=\"__9 _413\"/>fattar f<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>s\u00e4k<span class=\"__9 _356\"> </span>-<span class=\"__9 _356\"> </span>ringstagarnas andel a<span class=\"__9 _413\"/>v avkastning som \u00e4nnu in<span class=\"__9 _413\"/>te har f\u00f6rdelats<span class=\"__9 _356\"> </span> till individuella f\u00f6rs\u00e4kringstagar<span class=\"__9 _413\"/>e. \u00c4<span class=\"__9 _413\"/>ven \u00e5terb\u00e4ringsmedel ing\u00e5<span class=\"__9 _356\"> </span>r (diskretion\u00e4r del), liksom belopp s<span class=\"__9 _348\"/>om beh\u00f6vs f<span class=\"__9 _348\"/>\u00f6r att t\u00e4cka till-<span class=\"__9 _356\"> </span>f\u00e4lliga undersko<span class=\"__9 _348\"/>tt mellan placeringsresult<span class=\"__9 _348\"/>at och even<span class=\"__9 _413\"/>tuell mini<span class=\"__9 _356\"> </span>-<span class=\"__9 _356\"> </span>mif\u00f6rm\u00e5n till f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringstagarna.<span class=\"__9 _356\"> </span>St\u00e4ngning a<span class=\"__9 _348\"/>v Nordeas verksamhet i Ryssland<span class=\"__9 _356\"> </span>Nordeakoncernens s<span class=\"__9 _413\"/>trategi \u00e4r att f<span class=\"__9 _413\"/>okusera p\u00e5 verksamheten i Norden. Det inneb\u00e4r att Nordeak<span class=\"__9 _413\"/>oncernen l\u00e4gger ned sin verk-<span class=\"__9 _356\"> </span>samhet i Ryssland. Den 24 mars 2021 beslut<span class=\"__9 _413\"/>ade en extra bolagsst\u00e4mma i JSC Nordea Bank a<span class=\"__9 _413\"/>tt inleda den frivilliga likvi-<span class=\"__9 _356\"> </span>dationsproce<span class=\"__9 _348\"/>ssen, vilket godk\u00e4ndes a<span class=\"__9 _413\"/>v r<span class=\"__9 _a_8\"/>yska cen<span class=\"__9 _348\"/>tralbanken den 16 april 2021. Den frivilliga likvidationspr<span class=\"__9 _348\"/>ocessen a<span class=\"__9 _413\"/>v JSC Nordea Bank slutf<span class=\"__9 _413\"/>\u00f6rdes den 21 april 2022 d\u00e5 den ryska skatte-<span class=\"__9 _356\"> </span>myndigheten a<span class=\"__9 _413\"/>vregistrerade bolaget. F\u00f6rber<span class=\"__9 _413\"/>edelser p\u00e5g\u00e5r f\u00f6r de sista st<span class=\"__9 _413\"/>egen i likvideringen av de kvarvarande dott<span class=\"__9 _413\"/>erbola-<span class=\"__9 _356\"> </span>gen i Ryssland. Enligt kra<span class=\"__9 _413\"/>ven i IFRS (International Financial R<span class=\"__9 _413\"/>epor<span class=\"__9 _a_8\"/>ting Stan-<span class=\"__9 _356\"> </span>dards) hade Nordea ackumul<span class=\"__9 _348\"/>erat v<span class=\"__9 _413\"/>alutakursf\u00f6rlust<span class=\"__9 _348\"/>er som upp-<span class=\"__9 _356\"> </span>st\u00e5tt p\u00e5 in<span class=\"__9 _413\"/>vesteringen i bankverksamheten i R<span class=\"__9 _348\"/>yssland i eget kapital via \u201d\u00d6vrigt totalr<span class=\"__9 _413\"/>esultat\u201d alltsedan f\u00f6rv\u00e4rvet av JSC Nordea Bank \u00e5r 2007<span class=\"__9 _357\"/>. Under f\u00f6rsta kvartalet 2022 \u00e5t<span class=\"__9 _348\"/>erf\u00f6rde Nordea kapital och upph\u00f6rde i all<span class=\"__9 _413\"/>t v\u00e4sentligt med sin verksam-<span class=\"__9 _356\"> </span>het i Ryssland. Enligt kra<span class=\"__9 _413\"/>ven i IFRS har Nordea \u00f6verf<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>t de ack-<span class=\"__9 _356\"> </span>umulerade val<span class=\"__9 _348\"/>utakursf\u00f6rl<span class=\"__9 _413\"/>usterna, fr\u00e5n \u201d\u00d6vrigt to<span class=\"__9 _348\"/>talresulta<span class=\"__9 _413\"/>t<span class=\"__9 _a_8\"/>\u201d till resulta<span class=\"__9 _413\"/><span class=\"__9 _356\">tr\u00e4kningen. Effek</span><span class=\"__9 _413\"/>ten av \u00f6verf<span class=\"__9 _413\"/>\u00f6ringarna redovisades under \u201dNettoresult<span class=\"__9 _348\"/>at a<span class=\"__9 _413\"/>v poster till verkligt v\u00e4rde\u201d och betr<span class=\"__9 _413\"/>akta-<span class=\"__9 _356\"> </span>des som en j\u00e4mf<span class=\"__9 _413\"/>\u00f6relsest\u00f6rande pos<span class=\"__9 _413\"/>t<span class=\"__9 _a_8\"/>. Det egna kapitalet och kapitalbasen p\u00e5<span class=\"__9 _413\"/>verkades inte eftersom en mo<span class=\"__9 _348\"/>tsvarande positiv post redo<span class=\"__9 _348\"/>visades under \u201d\u00d6vrigt totalr<span class=\"__9 _413\"/>esultat<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _357\"/>. Nordeas kapaci-<span class=\"__9 _356\"> </span>tet g\u00e4llande utdelningar och ak<span class=\"__9 _413\"/>tie\u00e5terk\u00f6p har allts\u00e5 int<span class=\"__9 _348\"/>e f\u00f6r<span class=\"__9 _413\"/>\u00e4ndrats.<span class=\"__9 _356\"> </span>K2.5 <span class=\"__9 _b6_2\"> </span>\u00d6vriga r\u00f6rels<span class=\"__9 _348\"/>eint\u00e4k<span class=\"__9 _413\"/>ter<span class=\"__9 _356\"> </span>Redovisningsprinciper<span class=\"__9 _356\"> </span>Nettovinst<span class=\"__9 _413\"/>er fr\u00e5n avyttring a<span class=\"__9 _413\"/>v aktier i koncern<span class=\"__9 _413\"/>f\u00f6retag, intr<span class=\"__9 _413\"/>essef\u00f6<span class=\"ls0_9\">-<span class=\"__9 _356\"> </span></span>retag och join<span class=\"__9 _348\"/>t ventur<span class=\"__9 _413\"/>es, nettovinster fr<span class=\"__9 _413\"/>\u00e5n avyttring av ma<span class=\"__9 _413\"/>teriella tillg\u00e5ngar liksom andra transak<span class=\"__9 _413\"/>tioner som inte kan h\u00e4n<span class=\"__9 _413\"/>f\u00f6ras till n\u00e5gon annan int\u00e4k<span class=\"__9 _413\"/>tspost redovisas normalt under \u201d\u00d6vriga r\u00f6r<span class=\"__9 _413\"/>el<span class=\"ls0_9\">-<span class=\"__9 _356\"> </span></span>seint\u00e4k<span class=\"__9 _413\"/>ter<span class=\"__9 _a_8\"/>\u201d och f\u00f6rst n\u00e4r det \u00e4r sannolikt a<span class=\"__9 _413\"/>tt de f\u00f6rm\u00e5ner som \u00e4r kopplade till transak<span class=\"__9 _413\"/>tionen tillfaller <span class=\"ws19_7\">Nordea</span>. Det intr<span class=\"__9 _413\"/><span class=\"__9 _356\">\u00e4ffar normalt </span>n\u00e4r de betydande riskerna och f<span class=\"__9 _413\"/>\u00f6rm\u00e5nerna har \u00f6verf\u00f6rts till k\u00f6paren (vanligtvis n\u00e4r tr<span class=\"__9 _413\"/>ansaktionen har slutf\u00f6rts).<span class=\"__9 _356\"> </span>\u00d6vriga r\u00f6relsein<span class=\"__9 _413\"/>t\u00e4kter<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _b8_1\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vyttring av aktier och andelar<span class=\"__9 _ca_1\"> </span>\u2013<span class=\"__9 _2e_3\"> </span>6<span class=\"__9 _356\"> </span>Int\u00e4k<span class=\"__9 _413\"/>ter fr\u00e5n fastigheter<span class=\"__9 _cb_1\"> </span>2<span class=\"__9 _1c_5\"> </span>2<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vyttring av materiella och immateriella tillg\u00e5ngar<span class=\"__9 _cc_2\"> </span>39<span class=\"__9 _375\"> </span>34<span class=\"__9 _356\"> </span>\u00d6vrigt<span class=\"__9 _cd_1\"> </span><span class=\"ls16_7 ws1a_7\">42<span class=\"__9 _366\"> </span></span>45<span class=\"__9 _356\"> </span>Summa<span class=\"__9 _a3_1\"> </span>83<span class=\"__9 _375\"> </span>87<span class=\"__9 _356\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRevenueExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-560": {
   "value": "K2.2 R\u00e4ntenetto<span class=\"__9 _356\"> </span>Redovisningsprinciper R\u00e4nta utg\u00f6rs a<span class=\"__9 _413\"/>v ers\u00e4ttning f\u00f6r pengars tidsv\u00e4rde plus en mar-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">ginal. Effek</span><span class=\"__9 _413\"/>tivr\u00e4ntan motsv<span class=\"__9 _413\"/>arar den r\u00e4nta som an<span class=\"__9 _413\"/>v\u00e4nds f\u00f6r att diskont<span class=\"__9 _413\"/>era f\u00f6rv\u00e4ntade f<span class=\"__9 _413\"/>ramtida kassafl\u00f6den till redo<span class=\"__9 _413\"/>visat v\u00e4rde p\u00e5 den \ufb01nansiella tillg\u00e5ngen eller sk<span class=\"__9 _413\"/>ulden vid f\u00f6rsta redovisnings<span class=\"__9 _348\"/>tillf\u00e4llet.<span class=\"__9 _356\"> </span>R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter och r\u00e4n<span class=\"__9 _413\"/>tekostnader ber\u00e4knas och redo<span class=\"__9 _413\"/>visas <span class=\"__9 _356\">med effek</span><span class=\"__9 _413\"/>tivr\u00e4ntemetoden eller<span class=\"__9 _357\"/>, om s\u00e5 anses l\u00e4mpligt, med en metod som ger en rimlig uppskattning a<span class=\"__9 _413\"/>v vad en ber\u00e4k<span class=\"__9 _413\"/>-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">ning grundad p\u00e5 effek</span><span class=\"__9 _413\"/>tivr\u00e4ntemetoden sk<span class=\"__9 _413\"/><span class=\"__9 _356\">ulle ge. Effektivr</span><span class=\"__9 _413\"/>\u00e4n-<span class=\"__9 _356\"> </span>tan innefa<span class=\"__9 _413\"/>ttar avgifter som anse<span class=\"__9 _348\"/><span class=\"__9 _356\">s ing\u00e5 i effek</span><span class=\"__9 _413\"/>tivr\u00e4ntan f<span class=\"__9 _413\"/>\u00f6r ett \ufb01nansiellt instrumen<span class=\"__9 _413\"/>t (vanligen avgifter erh\u00e5llna s<span class=\"__9 _413\"/>om kom-<span class=\"__9 _356\"> </span>pensation f<span class=\"__9 _413\"/>\u00f6r risk). R\u00e4nteint\u00e4k<span class=\"__9 _413\"/>ter och r\u00e4ntekos<span class=\"__9 _413\"/>tnader fr\u00e5n \ufb01nansiella instrument klassi\ufb01c<span class=\"__9 _413\"/>eras, med nedanst\u00e5ende undantag, som \u201dR\u00e4n<span class=\"__9 _413\"/>tenetto\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter och r\u00e4n<span class=\"__9 _413\"/>tekostnader h\u00e4nf<span class=\"__9 _413\"/>\u00f6rliga till balanspos-<span class=\"__9 _356\"> </span>ter redovisade till v<span class=\"__9 _413\"/>erkligt v\u00e4rde inom Markets och Life &amp; P<span class=\"__9 _413\"/>en-<span class=\"__9 _356\"> </span>sion klassi\ufb01ceras i re<span class=\"__9 _348\"/>sultatr<span class=\"__9 _413\"/>\u00e4kningen som \u201dNettoresultat a<span class=\"__9 _413\"/>v poster till verkligt v<span class=\"__9 _413\"/>\u00e4rde\u201d<span class=\"__9 _413\"/>. \u00c4<span class=\"__9 _413\"/>ven r\u00e4n<span class=\"__9 _413\"/>tan h\u00e4nf\u00f6rlig till netto<span class=\"__9 _413\"/>\ufb01-<span class=\"__9 _356\"> </span>nansieringen av v<span class=\"__9 _413\"/>erksamheten inom Markets och Life &amp; Pen-<span class=\"__9 _356\"> </span>sion (samt en portf\u00f6lj med r<span class=\"__9 _413\"/>\u00e4nteb\u00e4rande v\u00e4r<span class=\"__9 _413\"/>depapper i Life &amp; Pension) v\u00e4r<span class=\"__9 _413\"/><span class=\"__9 _356\">derad till upplupet anskaffningsv\u00e4r</span><span class=\"__9 _413\"/>de redovisas under \u201dNettoresult<span class=\"__9 _348\"/>at a<span class=\"__9 _413\"/>v poster till verkligt v\u00e4rde\u201d f<span class=\"__9 _413\"/>\u00f6r att s\u00e4kerst\u00e4lla att in<span class=\"__9 _413\"/>t\u00e4kter och kos<span class=\"__9 _348\"/>tnader i dessa verksamheter redovisas p\u00e5 ett kons<span class=\"__9 _348\"/>ekvent s\u00e4<span class=\"__9 _413\"/>tt<span class=\"__9 _a_8\"/>. Se not K2.4 \u201dSumma netto-<span class=\"__9 _356\"> </span>resulta<span class=\"__9 _413\"/>t av poster till verkligt v<span class=\"__9 _413\"/>\u00e4rde\u201d<span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>R\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat klassi\ufb01cer<span class=\"__9 _413\"/>as som \u201dNettoresul-<span class=\"__9 _356\"> </span>tat a<span class=\"__9 _413\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>, med undantag f<span class=\"__9 _413\"/>\u00f6r derivat som innehas f\u00f6r s\u00e4kringssyfte. I r<span class=\"__9 _348\"/>edovisningss\u00e4kringar klas-<span class=\"__9 _356\"> </span>si\ufb01ceras r<span class=\"__9 _348\"/>\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat som \u201dR\u00e4n<span class=\"__9 _413\"/>teint\u00e4kt<span class=\"__9 _413\"/>er fr\u00e5n anv\u00e4ndande a<span class=\"__9 _413\"/><span class=\"__9 _356\">v effektivr</span><span class=\"__9 _413\"/>\u00e4ntemetoden\u201d om deriva<span class=\"__9 _413\"/>tet anv\u00e4nds f\u00f6r a<span class=\"__9 _413\"/>tt risks\u00e4kra en tillg\u00e5ng och som \u201dR\u00e4ntekos<span class=\"__9 _348\"/>tnader<span class=\"__9 _a_8\"/>\u201d om derivat<span class=\"__9 _348\"/>et anv\u00e4nds f<span class=\"__9 _413\"/>\u00f6r att risks\u00e4kra en skuld. I ekonomiska s\u00e4kringar klassi\ufb01ceras r<span class=\"__9 _348\"/>\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat som \u201d\u00d6vri-<span class=\"__9 _356\"> </span>ga r\u00e4n<span class=\"__9 _348\"/>teint\u00e4k<span class=\"__9 _413\"/>ter<span class=\"__9 _a_8\"/>\u201d om derivatet anv<span class=\"__9 _413\"/>\u00e4nds f\u00f6r att risks\u00e4kra en tillg\u00e5ng och som \u201dR\u00e4nt<span class=\"__9 _348\"/>ekostnader<span class=\"__9 _a_8\"/>\u201d om deriva<span class=\"__9 _348\"/>tet anv\u00e4nds f<span class=\"__9 _413\"/>\u00f6r att risks\u00e4kra en sk<span class=\"__9 _413\"/>uld<span class=\"__9 _356\"> </span>.<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vkastningen p\u00e5 \ufb01nansiella tillg\u00e5ngar redovisas p\u00e5 tre rader i resul<span class=\"__9 _348\"/>tatr\u00e4kningen: \u201dR\u00e4n<span class=\"__9 _413\"/>teint\u00e4k<span class=\"__9 _413\"/>ter fr\u00e5n anv\u00e4ndande a<span class=\"__9 _413\"/>v <span class=\"__9 _356\">effek</span><span class=\"__9 _413\"/>tivr\u00e4ntemetoden\u201d<span class=\"__9 _357\"/>, \u201d\u00d6vriga r\u00e4n<span class=\"__9 _348\"/>teint<span class=\"__9 _348\"/>\u00e4kter\u201d och \u201dNegativ avkas<span class=\"__9 _413\"/>tning p\u00e5 \ufb01nansiella tillg\u00e5ngar<span class=\"__9 _425\"/>\u201d<span class=\"__9 _357\"/>. Under posten \u201dR\u00e4ntein-<span class=\"__9 _356\"> </span>t\u00e4kt<span class=\"__9 _348\"/>er fr\u00e5n an<span class=\"__9 _348\"/>v\u00e4ndande a<span class=\"__9 _413\"/><span class=\"__9 _356\">v effektivr</span><span class=\"__9 _413\"/>\u00e4ntemetoden\u201d redovisar Nordea r\u00e4n<span class=\"__9 _413\"/>teint\u00e4kt<span class=\"__9 _413\"/>er fr\u00e5n \ufb01nansiella tillg\u00e5ngar v\u00e4rderade till <span class=\"__9 _356\">upplupet anskaffningsv</span><span class=\"__9 _413\"/>\u00e4rde eller till verkligt v\u00e4rde via \u00f6vrigt totalr<span class=\"__9 _348\"/>esultat. Resul<span class=\"__9 _348\"/>tatr\u00e4kningspos<span class=\"__9 _413\"/>ten \u201d\u00d6vriga r\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter<span class=\"__9 _a_8\"/>\u201d innefa<span class=\"__9 _413\"/>ttar r\u00e4ntein<span class=\"__9 _348\"/>t\u00e4kt<span class=\"__9 _348\"/>er fr\u00e5n e<span class=\"__9 _413\"/>xempelvis l\u00e5n v\u00e4r<span class=\"__9 _413\"/>derade till verkligt v\u00e4r<span class=\"__9 _348\"/>de via resulta<span class=\"__9 _413\"/>tr\u00e4kningen eftersom de inte uppfyl<span class=\"__9 _348\"/>-<span class=\"__9 _356\"> </span>ler SPPI-kriteriet (som anger att kassa<span class=\"__9 _413\"/>fl\u00f6det enbar<span class=\"__9 _a_8\"/>t ska utg\u00f6-<span class=\"__9 _356\"> </span>ras a<span class=\"__9 _413\"/>v betalning av kapitalbelopp och r\u00e4n<span class=\"__9 _413\"/>ta). Negativ avkas<span class=\"__9 _413\"/>t-<span class=\"__9 _356\"> </span>ning p\u00e5 \ufb01nansiella tillg\u00e5ngar och skulder redo<span class=\"__9 _348\"/>visas under \u201dNegativ a<span class=\"__9 _413\"/>vkastning p\u00e5 \ufb01nansiella tillg\u00e5ngar<span class=\"__9 _a_8\"/>\u201d respektive \u201dNegativ a<span class=\"__9 _413\"/>vkastning p\u00e5 \ufb01nansiella skulder<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _356\"> </span><span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__9 _413\"/>ttningar<span class=\"__9 _356\"> </span>Nordeas kritiska bed\u00f6mning \u00e4r att en ev<span class=\"__9 _413\"/>entuell f\u00f6r\u00e4ndring i r\u00e4n<span class=\"__9 _348\"/>tan p\u00e5 uppl\u00e5ning via E<span class=\"__9 _348\"/>CB:s riktade l\u00e5ngf<span class=\"__9 _413\"/>ristiga re\ufb01nansie-<span class=\"__9 _356\"> </span>ringsprogram (TL<span class=\"__9 _357\"/>TRO<span class=\"__9 _413\"/>), fr\u00e5n det att gr\u00e4nsv<span class=\"__9 _413\"/>\u00e4rdena f\u00f6r utl\u00e5ning har uppn\u00e5tts, ska betrak<span class=\"__9 _413\"/>tas som en f\u00f6r\u00e4ndring i en r<span class=\"__9 _413\"/>\u00f6rlig r\u00e4n<span class=\"__9 _348\"/><span class=\"__9 _356\">ta och redovisas som en s\u00e5dan enligt IFRS 9. Den eff</span><span class=\"__9 _413\"/>ekt som uppst\u00e5r genom a<span class=\"__9 _348\"/>tt gr\u00e4nsv\u00e4r<span class=\"__9 _348\"/>dena f\u00f6r utl\u00e5ning uppn\u00e5s redovisas d\u00e4rmed under \u201dR\u00e4n<span class=\"__9 _413\"/>tenetto\u201d n\u00e4r det med tillr\u00e4cklig s\u00e4kerhet g\u00e5r att f<span class=\"__9 _413\"/>astst\u00e4lla att gr\u00e4nsv<span class=\"__9 _413\"/>\u00e4rdena kommer att uppn\u00e5s.<span class=\"__9 _356\"> </span>R\u00e4ntenetto<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _426\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter fr\u00e5n anv<span class=\"__9 _413\"/>\u00e4ndande av effek<span class=\"__9 _413\"/><span class=\"__9 _356\">tivr\u00e4ntemetoden1</span><span class=\"__9 _427\"> </span>7 937<span class=\"__9 _3a_4\"> </span>5 116<span class=\"__9 _356\"> </span>\u00d6vriga r\u00e4nt<span class=\"__9 _348\"/>eint\u00e4k<span class=\"__9 _413\"/>ter<span class=\"__9 _7a_1\"> </span>1 013<span class=\"__9 _380\"> </span>784<span class=\"__9 _356\"> </span>Negativ a<span class=\"__9 _348\"/>vkastning p\u00e5 \ufb01nansiella tillg\u00e5ngar<span class=\"__9 _369\"> </span>-134<span class=\"__9 _1b_5\"> </span>-219<span class=\"__9 _356\"> </span>R\u00e4ntekos<span class=\"__9 _413\"/>tnader<span class=\"__9 _407\"> </span>-3 474<span class=\"__9 _3b_3\"> </span>-1 167<span class=\"__9 _356\"> </span>Negativ a<span class=\"__9 _348\"/>vkastning p\u00e5 \ufb01nansiella skulder<span class=\"__9 _7b_1\"> </span> 322<span class=\"__9 _367\"> </span>411<span class=\"__9 _356\"> </span>R\u00e4ntenetto<span class=\"__9 _7c_1\"> </span>5 664<span class=\"__9 _362\"> </span>4 92<span class=\"__9 _a_8\"/>5<span class=\"__9 _356\"> </span>1)   <span class=\"__9 _c_8\"/>Var<span class=\"__9 _348\"/>av variabla leasingin<span class=\"__9 _413\"/>t\u00e4kter 229 mn euro (175 mn euro). V<span class=\"__9 _413\"/>ariabla leasingint\u00e4kt<span class=\"__9 _413\"/>er best\u00e5r av r<span class=\"__9 _413\"/>\u00f6rliga r\u00e4ntor exklusive den f<span class=\"__9 _413\"/>asta marginalen. Om den variabla leasingin-<span class=\"__9 _356\"> </span>t\u00e4kten minskar mo<span class=\"__9 _348\"/>tverkas detta av l\u00e4gr<span class=\"__9 _413\"/>e uppl\u00e5ningskostnader. R\u00e4n<span class=\"__9 _413\"/>teint\u00e4kterna p\u00e5 nettoinvest<span class=\"__9 _413\"/>eringen i \ufb01nansiella leasingavtal uppgick till 329 mn euro (260 mn euro).<span class=\"__9 _356\"> </span>R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter fr\u00e5n an<span class=\"__9 _413\"/><span class=\"__9 _356\">v\u00e4ndande av eff</span><span class=\"__9 _413\"/>ektivr\u00e4ntemet<span class=\"__9 _413\"/>oden<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _426\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Utl\u00e5ning till kreditinstitut<span class=\"__9 _7d_2\"> </span> 682<span class=\"__9 _375\"> </span>93<span class=\"__9 _356\"> </span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__9 _7e_1\"> </span>6 527<span class=\"__9 _386\"> </span>4 7<span class=\"__9 _a_8\"/>29<span class=\"__9 _356\"> </span>R\u00e4nteb\u00e4r<span class=\"__9 _348\"/>ande v\u00e4rdepapper<span class=\"__9 _7f_2\"> </span> 325<span class=\"__9 _361\"> </span>182<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vgifter <span class=\"__9 _428\"> </span><span class=\"ls2_8 ws5_8\"> 24<span class=\"__9 _a_8\"/>2<span class=\"__9 _367\"> </span></span>231<span class=\"__9 _356\"> </span>Netto betald eller erh\u00e5llen r\u00e4n<span class=\"__9 _413\"/>ta p\u00e5 derivatinstrumen<span class=\"__9 _413\"/>t i s\u00e4kringsredovisning av tillg\u00e5ngar<span class=\"__9 _429\"> </span> 161<span class=\"__9 _383\"> </span>-119<span class=\"__9 _356\"> </span>R\u00e4ntein<span class=\"__9 _348\"/>t\u00e4kter f<span class=\"__9 _413\"/>r\u00e5n anv\u00e4ndande av effek<span class=\"__9 _413\"/>tivr\u00e4ntemetoden<span class=\"__9 _352\"> </span>7 937<span class=\"__9 _1e_5\"> </span>5 116<span class=\"__9 _356\"> </span>\u00d6vriga r\u00e4nt<span class=\"__9 _413\"/>eint\u00e4kter<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _426\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Utl\u00e5ning till verkligt v\u00e4rde till allm\u00e4nhet<span class=\"__9 _348\"/>en<span class=\"__9 _369\"> </span>1 06<span class=\"__9 _a_8\"/>4<span class=\"__9 _380\"> </span>955<span class=\"__9 _356\"> </span>R\u00e4nteb\u00e4r<span class=\"__9 _348\"/>ande v\u00e4rdepapper till verkligt v<span class=\"__9 _413\"/>\u00e4rde<span class=\"__9 _372\"> </span><span class=\"ls3_8 ws6_8\"> 170<span class=\"__9 _375\"> </span></span>60<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vgifter och \u00f6vriga r\u00e4nt<span class=\"__9 _348\"/>eint\u00e4k<span class=\"__9 _413\"/>ter p\u00e5 tillg\u00e5ngar till verkligt v\u00e4rde<span class=\"__9 _430\"> </span> 0<span class=\"__9 _2d_3\"> </span>1<span class=\"__9 _356\"> </span>Netto betald eller erh\u00e5llen r\u00e4n<span class=\"__9 _413\"/>ta p\u00e5 derivatinstrumen<span class=\"__9 _413\"/>t i ekonomiska s\u00e4kringar av tillg\u00e5ngar<span class=\"__9 _431\"> </span>-221<span class=\"__9 _f_8\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _a_8\"/>3<span class=\"__9 _a_8\"/>2<span class=\"__9 _356\"> </span></span>\u00d6vriga r\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter<span class=\"__9 _432\"> </span>1 013<span class=\"__9 _3d_3\"> </span>784<span class=\"__9 _356\"> </span>R\u00e4ntek<span class=\"__9 _348\"/>ostnader<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _426\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Skulder till kreditinstitut<span class=\"__9 _433\"> </span>-221<span class=\"__9 _367\"> </span>-35<span class=\"__9 _356\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__9 _5d_1\"> </span>-957<span class=\"__9 _363\"> </span>-166<span class=\"__9 _356\"> </span>Emitterade v\u00e4r<span class=\"__9 _413\"/>depapper<span class=\"__9 _434\"> </span>-2 376<span class=\"__9 _410\"> </span>-1 275<span class=\"__9 _356\"> </span>Efterst\u00e4llda sk<span class=\"__9 _348\"/>ulder<span class=\"__9 _435\"> </span><span class=\"ls2_8 ws5_8\">-25<span class=\"__9 _a_8\"/>2<span class=\"__9 _363\"> </span>-2<span class=\"__9 _a_8\"/>55<span class=\"__9 _356\"> </span></span>\u00d6vriga r\u00e4nt<span class=\"__9 _348\"/>ekostnader<span class=\"__9 _436\"> </span><span class=\"ls3_8 ws6_8\">-14<span class=\"__9 _364\"> </span>-14<span class=\"__9 _356\"> </span></span>Netto betald eller erh\u00e5llen r\u00e4n<span class=\"__9 _413\"/>ta p\u00e5 derivatinstrumen<span class=\"__9 _413\"/>t i s\u00e4kringar av skulder<span class=\"__9 _437\"> </span> 346<span class=\"__9 _381\"> </span><span class=\"ls3_8 ws6_8\">578<span class=\"__9 _356\"> </span></span>R\u00e4ntekos<span class=\"__9 _413\"/>tnader<span class=\"__9 _8a_1\"> </span>-3 47<span class=\"__9 _413\"/>4<span class=\"__9 _410\"> </span>-1 167<span class=\"__9 _356\"> </span>R\u00e4ntenetto f<span class=\"__9 _413\"/>r\u00e5n kategorier a<span class=\"__9 _413\"/>v \ufb01nansiella instrument<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _426\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade till  verkligt v\u00e4rde via \u00f6<span class=\"__9 _413\"/>vrigt totalresultat <span class=\"__9 _8b_1\"> </span> 279<span class=\"__9 _367\"> </span>119<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade  <span class=\"__9 _356\">till upplupet anskaffningsv</span><span class=\"__9 _348\"/>\u00e4rde<span class=\"__9 _8c_1\"> </span>7 364<span class=\"__9 _362\"> </span>4 903<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade till  verkligt v\u00e4rde via r<span class=\"__9 _413\"/>esultatr\u00e4kningen <span class=\"__9 _8d_1\"> </span><span class=\"ls3_8 ws6_8\">1 17<span class=\"__9 _a_8\"/>3<span class=\"__9 _3d_3\"> </span></span>659<span class=\"__9 _356\"> </span>Finansiella skulder v\u00e4rder<span class=\"__9 _413\"/>ade <span class=\"__9 _356\">till upplupet anskaffningsv</span><span class=\"__9 _348\"/>\u00e4rde<span class=\"__9 _8e_1\"> </span>-2 896<span class=\"__9 _2b_3\"> </span>-838<span class=\"__9 _356\"> </span>Finansiella skulder v\u00e4rder<span class=\"__9 _413\"/>ade till  verkligt v\u00e4rde via r<span class=\"__9 _413\"/>esultatr\u00e4kningen <span class=\"__9 _8f_1\"> </span><span class=\"ls2_8 ws5_8\">-25<span class=\"__9 _a_8\"/>6<span class=\"__9 _375\"> </span></span>82<span class=\"__9 _356\"> </span>R\u00e4ntenetto<span class=\"__9 _7c_1\"> </span>5 664<span class=\"__9 _362\"> </span>4 92<span class=\"__9 _a_8\"/>5<span class=\"__9 _356\"> </span>R\u00e4ntan p\u00e5 os\u00e4kr<span class=\"__9 _413\"/>a l\u00e5nefordringar utgjorde en obety<span class=\"__9 _348\"/>dlig andel av r<span class=\"__9 _413\"/>\u00e4nteint\u00e4k<span class=\"__9 _413\"/>terna<span class=\"__9 _356\"> </span>K2.4 <span class=\"__9 _b6_2\"> </span> <span class=\"__9 _b7_2\"/>Summa nettoresul<span class=\"__9 _413\"/>tat a<span class=\"__9 _413\"/>v poster till v<span class=\"__9 _413\"/>erkligt v\u00e4rde<span class=\"__9 _356\"> </span>Redovsningsprinciper<span class=\"__9 _356\"> </span> Nettoresul<span class=\"__9 _413\"/>tat av post<span class=\"__9 _413\"/>er till verkligt v\u00e4rde<span class=\"__9 _356\"> </span>Realiserade och or<span class=\"__9 _413\"/>ealiserade vinster och f<span class=\"__9 _348\"/>\u00f6rluster p\u00e5 \ufb01nansiella<span class=\"__9 _356\"> </span> instrument och f<span class=\"__9 _413\"/>\u00f6rvaltningsfastighet<span class=\"__9 _413\"/>er v\u00e4rderade till verkligt<span class=\"__9 _356\"> </span> v\u00e4rde r<span class=\"__9 _348\"/>edovisas normalt under \u201dNettor<span class=\"__9 _413\"/>esultat av pos<span class=\"__9 _413\"/>ter till verkligt<span class=\"__9 _a_8\"/> v\u00e4rde\u201d<span class=\"__9 _357\"/>. F\u00f6r in<span class=\"__9 _413\"/>formation om de redovisningsprinciper som an<span class=\"__9 _413\"/>v\u00e4nds<span class=\"__9 _a_8\"/> vid ber\u00e4kning a<span class=\"__9 _413\"/>v verkligt v\u00e4rde, se not K3.4 \u201dV<span class=\"__9 _413\"/>erkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span> Dessutom ing\u00e5r f<span class=\"__9 _348\"/>\u00f6ljande poster i \u201dNettor<span class=\"__9 _413\"/>esultat av pos<span class=\"__9 _413\"/>ter till<span class=\"__9 _356\"> </span> verkligt v\u00e4r<span class=\"__9 _348\"/>de\u201d:<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter och r\u00e4n<span class=\"__9 _413\"/>tekostnader<span class=\"__9 _413\"/>, h\u00e4nf<span class=\"__9 _413\"/>\u00f6rliga till \ufb01nansierin<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span></span>gen av v<span class=\"__9 _413\"/>erksamheten inom Markets och Life &amp; Pension (sam<span class=\"__9 _413\"/>t<span class=\"__9 _356\"> </span> en portf\u00f6lj med r\u00e4n<span class=\"__9 _413\"/>teb\u00e4rande v\u00e4rdepapper i Lif<span class=\"__9 _413\"/>e &amp; Pension)<span class=\"__9 _356\"> </span> v\u00e4rder<span class=\"__9 _413\"/><span class=\"__9 _356\">ade till upplupet anskaffningsv\u00e4rde.<span class=\"__9 _356\"> </span></span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">Realiserade vins<span class=\"__9 _413\"/>ter/f\u00f6rl<span class=\"__9 _348\"/>uster p\u00e5 tillg\u00e5ngar och sk<span class=\"__9 _348\"/>ulder<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>v\u00e4rder<span class=\"__9 _413\"/><span class=\"__9 _356\">ade till upplupet anskaffningsv\u00e4rde.<span class=\"__9 _356\"> </span></span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\"> Omv\u00e4r<span class=\"__9 _348\"/>deringen av s\u00e4kr<span class=\"__9 _413\"/>ade risker i s\u00e4krade poster i<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>s\u00e4kringsredovisningen.<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span>V<span class=\"__9 _413\"/>alutakursf\u00f6r<span class=\"__9 _413\"/>\u00e4ndringar<span class=\"__9 _356\"> </span> \u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">F\u00f6r<span class=\"__9 _413\"/>\u00e4ndringar i skulder till f\u00f6rs\u00e4kringstagare och riskr<span class=\"__9 _348\"/>esultat<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>fr\u00e5n f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsavtal inom Life &amp; P<span class=\"__9 _413\"/>ension redovisas enligt<span class=\"__9 _356\"> </span> IFRS 4 (se ytterligare in<span class=\"__9 _413\"/>formation nedan).<span class=\"__9 _356\"> </span>F\u00f6ljande pos<span class=\"__9 _413\"/>ter ing\u00e5r inte i \u201dNettoresul<span class=\"__9 _348\"/>tat a<span class=\"__9 _413\"/>v poster till verkligt<span class=\"__9 _356\"> </span> v\u00e4rde\u201d:<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">R\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat som an<span class=\"__9 _413\"/>v\u00e4nds f\u00f6r s\u00e4kringsredo<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span></span>visning och ekonomiska s\u00e4kringar<span class=\"__9 _413\"/>. Dessa komponen<span class=\"__9 _348\"/>ter<span class=\"__9 _356\"> </span> redovisas under \u201dR\u00e4n<span class=\"__9 _413\"/>tenetto\u201d f\u00f6r att s\u00e4k<span class=\"__9 _348\"/>erst\u00e4lla redovis<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>ningsm\u00e4ssig \u00f6verenss<span class=\"__9 _413\"/>t\u00e4mmelse med de s\u00e4krade posterna.<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">F\u00f6rlus<span class=\"__9 _413\"/>ter fr\u00e5n motpartsrisk p\u00e5 utl\u00e5ning i portf\u00f6ljer som h\u00e5lls<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>till f\u00f6rf<span class=\"__9 _348\"/>all och obligatorisk<span class=\"__9 _413\"/>t v\u00e4rderas till verkligt v<span class=\"__9 _348\"/>\u00e4rde (uppf<span class=\"__9 _413\"/><span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>yller inte krit<span class=\"__9 _413\"/>eriet att kassafl\u00f6det enbart ska utg\u00f6ras av bet<span class=\"__9 _348\"/>al<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>ning av kapit<span class=\"__9 _348\"/>albelopp och r\u00e4n<span class=\"__9 _348\"/>ta) redovisas under den separ<span class=\"__9 _413\"/>at<span class=\"__9 _356\"> </span> posten \u201dNettor<span class=\"__9 _413\"/>esultat av utl\u00e5ning i portf<span class=\"__9 _348\"/>\u00f6ljer som h\u00e5lls till f\u00f6r<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>fall och obliga<span class=\"__9 _348\"/>toriskt v<span class=\"__9 _413\"/>\u00e4rderas till verkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Int\u00e4k<span class=\"__9 _413\"/>tsredovisningen och beteckningarna f\u00f6r de pos<span class=\"__9 _413\"/>ter som<span class=\"__9 _356\"> </span> avser livf<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsverksamheten beskrivs under \u201dInt\u00e4k<span class=\"__9 _413\"/>tsredo<span class=\"__9 _a_8\"/>-<span class=\"__9 _356\"> </span>visning livf\u00f6rs\u00e4kring\u201d nedan.<span class=\"__9 _356\"> </span>F\u00f6r fler r<span class=\"__9 _413\"/>edovisningsprinciper avseende valut<span class=\"__9 _348\"/>akursf\u00f6r<span class=\"__9 _413\"/>\u00e4nd-<span class=\"__9 _356\"> </span>ringar<span class=\"__9 _413\"/>, se not K1 \u201dRedovisningsprinciper\u201d och not K9.2 \u201dV<span class=\"__9 _413\"/>aluta-<span class=\"__9 _356\"> </span>omr\u00e4kning a<span class=\"__9 _413\"/>v utl\u00e4ndska f\u00f6retag/\ufb01lialer<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>Nettoresul<span class=\"__9 _413\"/>tat av utl\u00e5ning i portf<span class=\"__9 _348\"/>\u00f6ljer som h\u00e5lls till<span class=\"__9 _356\"> </span> f\u00f6rf<span class=\"__9 _413\"/>all och obligatoriskt v\u00e4r<span class=\"__9 _413\"/>deras till verkligt v\u00e4rde<span class=\"__9 _356\"> </span>Post<span class=\"__9 _413\"/>en \u201dNettoresultat a<span class=\"__9 _413\"/>v utl\u00e5ning i por<span class=\"__9 _a_8\"/>tf\u00f6ljer som h\u00e5lls till f<span class=\"__9 _413\"/>\u00f6r-<span class=\"__9 _356\"> </span>fall och obliga<span class=\"__9 _348\"/>toriskt v<span class=\"__9 _413\"/>\u00e4rderas till verkligt v\u00e4rde\u201d inkl<span class=\"__9 _413\"/>uderar jus-<span class=\"__9 _356\"> </span>teringar till verkligt v\u00e4r<span class=\"__9 _413\"/>de av marginalkomponen<span class=\"__9 _413\"/>ten f\u00f6r l\u00e5ne-<span class=\"__9 _356\"> </span>for<span class=\"__9 _348\"/>dringar i portf\u00f6ljer d\u00e4r a<span class=\"__9 _413\"/>vsikten \u00e4r att beh\u00e5lla instrumen<span class=\"__9 _413\"/>ten<span class=\"__9 _356\"> </span> till f\u00f6rf<span class=\"__9 _348\"/>all och d\u00e4r dessa m\u00e5ste v<span class=\"__9 _413\"/>\u00e4rderas till verkligt v\u00e4rde (upp-<span class=\"__9 _356\"> </span>fyller inte SPPI-krit<span class=\"__9 _413\"/>eriet). L\u00e5nefordringarna klassi\ufb01cer<span class=\"__9 _348\"/>as i kate-<span class=\"__9 _356\"> </span>gorin \u201dFinansiella tillg\u00e5ngar v\u00e4rder<span class=\"__9 _413\"/>ade till verkligt v\u00e4rde via<span class=\"__9 _356\"> </span> resulta<span class=\"__9 _413\"/>tr\u00e4kningen\u201d och redovisas under posten \u201dUtl\u00e5ning till<span class=\"__9 _356\"> </span> allm\u00e4nheten\u201d i balansr\u00e4kningen. Jus<span class=\"__9 _348\"/>teringar till verkligt v\u00e4r<span class=\"__9 _413\"/>de<span class=\"__9 _356\"> </span> avser f<span class=\"__9 _413\"/>r\u00e4mst f\u00f6r<span class=\"__9 _413\"/>\u00e4ndringar i kreditrisk.<span class=\"__9 _356\"> </span>F\u00f6rlus<span class=\"__9 _413\"/>ter fr\u00e5n motpartsrisk i instrumen<span class=\"__9 _413\"/>t som klassi\ufb01cerats i<span class=\"__9 _356\"> </span> kategorin \u201dFinansiella tillg\u00e5ngar v<span class=\"__9 _413\"/>\u00e4rderade till verkligt v\u00e4rde<span class=\"__9 _356\"> </span>via resulta<span class=\"__9 _413\"/>tr\u00e4kningen\u201d redovisas under \u201dNettoresul<span class=\"__9 _348\"/>tat a<span class=\"__9 _413\"/>v poste<span class=\"__9 _356\"> </span>r<span class=\"__9 _356\"> </span> till verkligt v\u00e4r<span class=\"__9 _348\"/>de\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Nedskrivningar avseende ins<span class=\"__9 _413\"/>trument i andra kategorier \u00e4n<span class=\"__9 _356\"> </span> \u201dFinansiella tillg\u00e5ngar v\u00e4rder<span class=\"__9 _413\"/>ade till verkligt v\u00e4rde via resulta<span class=\"__9 _413\"/>t-<span class=\"__9 _356\"> </span>r\u00e4kningen\u201d redo<span class=\"__9 _348\"/>visas under posten \u201dKreditf<span class=\"__9 _413\"/>\u00f6rluster<span class=\"__9 _413\"/>, netto\u201d<span class=\"__9 _357\"/>. F\u00f6r<span class=\"__9 _356\"> </span> ytterligare in<span class=\"__9 _348\"/>forma<span class=\"__9 _413\"/>tion, se not K2.9 \u201dKreditf\u00f6rlus<span class=\"__9 _413\"/>ter<span class=\"__9 _425\"/>\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__9 _413\"/>ttningar<span class=\"__9 _356\"> </span>Os\u00e4kerhet i uppskattningar \ufb01nns i samband med v<span class=\"__9 _413\"/>\u00e4rdering av<span class=\"__9 _356\"> </span> \ufb01nansiella instrument, fr<span class=\"__9 _348\"/>amf<span class=\"__9 _413\"/>\u00f6r allt f\u00f6r instrumen<span class=\"__9 _413\"/>t som saknar<span class=\"__9 _356\"> </span> noter<span class=\"__9 _348\"/>ade kurser och nyligen observerade marknadsk<span class=\"__9 _413\"/>ur<span class=\"__9 _a_8\"/>ser<span class=\"__9 _356\"> </span> <span class=\"__9 _356\">(instrument i niv</span><span class=\"__9 _413\"/>\u00e5 3). Se not K3.4 \u201dV<span class=\"__9 _348\"/>erkligt v\u00e4rde\u201d<span class=\"__9 _356\"> </span><span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Summa nettoresul<span class=\"__9 _413\"/>tat av post<span class=\"__9 _348\"/>er till verkligt v\u00e4r<span class=\"__9 _348\"/>de<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _b8_1\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Nettoresulta<span class=\"__9 _413\"/>t av poster till verkligt v\u00e4r<span class=\"__9 _413\"/>de<span class=\"__9 _b9_2\"> </span>721<span class=\"__9 _2b_3\"> </span>1 119<span class=\"__9 _356\"> </span>Nettoresulta<span class=\"__9 _413\"/>t av utl\u00e5ning i portf\u00f6ljer som h\u00e5lls till<span class=\"__9 _356\"> </span> f\u00f6rfall och obliga<span class=\"__9 _413\"/>toriskt v\u00e4rderas till v<span class=\"__9 _348\"/>erkligt v\u00e4rde<span class=\"__9 _365\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _a_8\"/>3<span class=\"__9 _375\"> </span></span>83<span class=\"__9 _356\"> </span>Summa<span class=\"__9 _350\"> </span>708<span class=\"__9 _360\"> </span>1 202<span class=\"__9 _356\"> </span>F\u00f6r<span class=\"__9 _413\"/>delning efter produkt<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _b8_1\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Aktierela<span class=\"__9 _413\"/><span class=\"__9 _356\">terade instrument1</span><span class=\"__9 _ba_2\"> </span>431<span class=\"__9 _381\"> </span><span class=\"ls3_8 ws6_8\">570<span class=\"__9 _356\"> </span></span>R\u00e4nterela<span class=\"__9 _413\"/>terade instrument och<span class=\"__9 _356\"> </span> valutakursf<span class=\"__9 _413\"/><span class=\"__9 _356\">\u00f6r\u00e4ndringar2</span><span class=\"__9 _bb_2\"> </span><span class=\"ls2_8 ws5_8\">248<span class=\"__9 _381\"> </span></span>478<span class=\"__9 _356\"> </span>\u00d6vriga \ufb01nansiella instrument (inklusiv<span class=\"__9 _413\"/>e krediter<span class=\"__9 _356\"> </span> och r\u00e5<span class=\"__9 _348\"/>varor)<span class=\"__9 _bc_1\"> </span>-32<span class=\"__9 _387\"> </span><span class=\"ls3_8 ws6_8\">57<span class=\"__9 _356\"> </span></span>Nordea Life &amp; P<span class=\"__9 _413\"/><span class=\"__9 _356\">ension3<span class=\"__9 _356\"> </span></span>,<span class=\"__9 _356\"> </span><span class=\"__9 _356\">4</span><span class=\"__9 _bd_2\"> </span>61<span class=\"__9 _387\"> </span><span class=\"ls11_7 ws14_8\">97<span class=\"__9 _356\"> </span></span>Summa<span class=\"__9 _350\"> </span>708<span class=\"__9 _360\"> </span>1 202<span class=\"__9 _356\"> </span>1) Inkluderar f\u00f6rl<span class=\"__9 _348\"/>uster p\u00e5 8 mn euro fr<span class=\"__9 _413\"/>\u00e5n fondinnehav i Ryssland under 2022.<span class=\"__9 _356\"> </span>2) Inkluderar f\u00f6rl<span class=\"__9 _348\"/>ust fr\u00e5n \u00f6<span class=\"__9 _348\"/>verf\u00f6ringen a<span class=\"__9 _348\"/>v 529 mn euro i ackumulerade val<span class=\"__9 _348\"/>utakursf\u00f6rlus<span class=\"__9 _413\"/>ter<span class=\"__9 _356\"> </span> avseende verksamhet i R<span class=\"__9 _348\"/>yssland under 2022.<span class=\"__9 _356\"> </span>3)  <span class=\"__9 _c_8\"/>Interna transak<span class=\"__9 _348\"/>tioner har ej eliminerats mot andr<span class=\"__9 _348\"/>a rader i noten. Raden Nordea Lif<span class=\"__9 _413\"/>e &amp;<span class=\"__9 _356\"> </span> <span class=\"__9 _356\">Pension ger s\u00e5ledes den verkliga eff</span><span class=\"__9 _413\"/>ekten fr\u00e5n livf\u00f6rs\u00e4kringsverksamheten.<span class=\"__9 _356\"> </span> 4)   <span class=\"__9 _c_8\"/>Premieint\u00e4kter uppgick till 194 mn eur<span class=\"__9 _413\"/>o (306 mn euro).<span class=\"__9 _356\"> </span>Nettoresul<span class=\"__9 _413\"/>tat fr\u00e5n ka<span class=\"__9 _348\"/>tegorier a<span class=\"__9 _413\"/>v \ufb01nansiella instrument<span class=\"__9 _356\"> </span> Mn euro<span class=\"__9 _be_2\"> </span>2022<span class=\"__9 _e_8\"> </span>2021<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade till v<span class=\"__9 _413\"/>erkligt v\u00e4rde via<span class=\"__9 _356\"> </span> \u00f6vrigt totalr<span class=\"__9 _413\"/>esultat<span class=\"__9 _356\"> </span>-1 508<span class=\"__9 _5b_1\"> </span>-331<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar redan fr\u00e5n b\u00f6rjan v<span class=\"__9 _413\"/>\u00e4rderade<span class=\"__9 _356\"> </span> till verkligt v\u00e4rde via r<span class=\"__9 _413\"/>esultatr\u00e4kningen<span class=\"__9 _420\"> </span><span class=\"ls2_8 ws5_8\">-245<span class=\"__9 _383\"> </span><span class=\"ls4_8 ws7_8\">-4<span class=\"__9 _356\"> </span></span></span>Finansiella skulder redan fr<span class=\"__9 _413\"/>\u00e5n b\u00f6rjan v\u00e4rderade till<span class=\"__9 _356\"> </span> verkligt v\u00e4rde via r<span class=\"__9 _413\"/>esultatr\u00e4kningen<span class=\"__9 _356\"> </span>11 643<span class=\"__9 _bf_2\"> </span>-5 179<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar och skulder obligatorisk<span class=\"__9 _413\"/>t<span class=\"__9 _356\"> </span> v\u00e4rderade till v<span class=\"__9 _413\"/>erkligt v\u00e4rde via resultatr<span class=\"__9 _348\"/><span class=\"__9 _356\">\u00e4kningen1</span><span class=\"__9 _353\"> </span>-<span class=\"__9 _413\"/>16 97<span class=\"__9 _a_8\"/>3<span class=\"__9 _c0_2\"> </span>6 726<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade till uppl<span class=\"__9 _413\"/>upet<span class=\"__9 _356\"> </span> anskaffningsv\u00e4r<span class=\"__9 _413\"/><span class=\"__9 _356\">de2</span><span class=\"__9 _c1_1\"> </span>-1 941<span class=\"__9 _385\"> </span>-<span class=\"__9 _a_8\"/>403<span class=\"__9 _356\"> </span>Finansiella skulder v\u00e4rder<span class=\"__9 _413\"/>ade till upplupet<span class=\"__9 _356\"> </span> anskaffningsv\u00e4r<span class=\"__9 _413\"/><span class=\"__9 _356\">de3</span><span class=\"__9 _404\"> </span>7 546<span class=\"__9 _c2_2\"> </span>1 947<span class=\"__9 _356\"> </span>V<span class=\"__9 _413\"/>alutakursf\u00f6r\u00e4ndringar<span class=\"__9 _413\"/>, exklusiv<span class=\"__9 _348\"/>e valutas\u00e4kringar<span class=\"__9 _379\"> </span>483<span class=\"__9 _362\"> </span>208<span class=\"__9 _356\"> </span><span class=\"__9 _356\">Icke finansiella tillg\u00e5ngar och skulder4</span><span class=\"__9 _c3_1\"> </span>1 703<span class=\"__9 _bf_2\"> </span><span class=\"ls3_8 ws6_8\">-1 76<span class=\"__9 _a_8\"/>2<span class=\"__9 _356\"> </span></span>Summa<span class=\"__9 _c4_1\"> </span>708<span class=\"__9 _c2_2\"> </span>1 202<span class=\"__9 _356\"> </span>1)   <span class=\"__9 _c_8\"/>Var<span class=\"__9 _348\"/>av periodiserade dag 1<span class=\"__9 _413\"/>-resultat uppg\u00e5r till 51 mn euro (54 mn euro<span class=\"__9 _348\"/>).<span class=\"__9 _356\"> </span>2)   <span class=\"__9 _c5_2\"/>Posten innef<span class=\"__9 _413\"/>attar vinster till f\u00f6ljd a<span class=\"__9 _348\"/>v bortbokning av \ufb01nansiella tillg\u00e5ngar v\u00e4rder<span class=\"__9 _348\"/>ade till<span class=\"__9 _356\"> </span> <span class=\"__9 _356\">upplupet anskaffningsv\u00e4r</span><span class=\"__9 _413\"/><span class=\"__9 _356\">de p\u00e5 mostsvarande 3 mn euro (9 mn euro) och f</span><span class=\"__9 _348\"/>\u00f6rluster p\u00e5<span class=\"__9 _356\"> </span> <span class=\"__9 _356\">motsvarande -4 mn euro (0 mn euro</span><span class=\"__9 _413\"/>). Bor<span class=\"__9 _a_8\"/>tbokningen gjordes eftersom tillg\u00e5ngarna<span class=\"__9 _356\"> </span> hade f\u00f6rutbetalts a<span class=\"__9 _413\"/>v kunden eller s\u00e5lts. Posten innef<span class=\"__9 _348\"/>attar \u00e4v<span class=\"__9 _413\"/>en f\u00f6r\u00e4ndringar i verkligt<span class=\"__9 _356\"> </span> v\u00e4rde p\u00e5 r\u00e4n<span class=\"__9 _413\"/><span class=\"__9 _356\">tes\u00e4krade tillg\u00e5ngar v\u00e4rderade till upplupet anskaffningsv</span><span class=\"__9 _413\"/>\u00e4rde p\u00e5 motsva<span class=\"__9 _356\"> </span>-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">rande -2 052 mn euro (-552 mn euro</span><span class=\"__9 _413\"/>) och r\u00e4nta p\u00e5 instrument som v\u00e4r<span class=\"__9 _348\"/>derats till upplu<span class=\"ls0_9\">-<span class=\"__9 _356\"> </span></span><span class=\"__9 _356\">pet anskaffningsv\u00e4rde i Lif</span><span class=\"__9 _413\"/><span class=\"__9 _356\">e &amp; Pension p\u00e5 motsvarande 112 mn euro (110 mn eur</span><span class=\"__9 _348\"/>o).<span class=\"__9 _356\"> </span>3)   <span class=\"__9 _c_8\"/>Posten innefa<span class=\"__9 _413\"/>ttar huvudsakligen f\u00f6r\u00e4ndringar i verkligt v\u00e4rde p\u00e5 r\u00e4n<span class=\"__9 _413\"/>tes\u00e4krade skul<span class=\"__9 _356\"> </span>-<span class=\"__9 _356\"> </span>der v\u00e4rderade till upplupet anska<span class=\"__9 _413\"/><span class=\"__9 _356\">ffningsv\u00e4rde p\u00e5 motsvarande 7 598 mn euro<span class=\"__9 _356\"> </span></span> <span class=\"__9 _356\">(1 966 mn euro).<span class=\"__9 _356\"> </span></span>4)   <span class=\"__9 _c_8\"/>Posten innefa<span class=\"__9 _413\"/>ttar huvudsakligen f\u00f6r\u00e4ndringar i f\u00f6rs\u00e4kringstekniska a<span class=\"__9 _413\"/>vs\u00e4ttningar i<span class=\"__9 _356\"> </span> Life &amp; Pension p\u00e5 mos<span class=\"__9 _413\"/>tsvarande 1 317 mn euro (-1 004 mn euro) och f<span class=\"__9 _413\"/>\u00f6r\u00e4ndring av<span class=\"__9 _356\"> </span> \u00e5terb\u00e4ringsmedel i Life &amp; P<span class=\"__9 _413\"/>ension p\u00e5 motsvarande 306 mn euro (-1 061 mn euro)<span class=\"__9 _356\"> </span>.<span class=\"__9 _356\"> </span>Int\u00e4k<span class=\"__9 _413\"/>tsredovisning livf\u00f6rs\u00e4kring<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _b8_1\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Aktierela<span class=\"__9 _413\"/>terade instrument<span class=\"__9 _c6_1\"> </span>-1 422<span class=\"__9 _1e_5\"> </span><span class=\"ls2_8 ws5_8\">1<span class=\"__9 _a_8\"/> 7<span class=\"__9 _a_8\"/>24<span class=\"__9 _356\"> </span></span>R\u00e4nterela<span class=\"__9 _413\"/>terade instrument och<span class=\"__9 _356\"> </span> valutakursf<span class=\"__9 _413\"/>\u00f6r\u00e4ndringar<span class=\"__9 _436\"> </span>-461<span class=\"__9 _367\"> </span><span class=\"ls2_8 ws5_8\">-29<span class=\"__9 _356\"> </span></span>F\u00f6rvaltningsf<span class=\"__9 _413\"/>astigheter <span class=\"__9 _4b_1\"> </span>-41<span class=\"__9 _381\"> </span>198<span class=\"__9 _356\"> </span>F\u00f6r\u00e4ndring a<span class=\"__9 _413\"/>v f\u00f6rs\u00e4kringstekniska a<span class=\"__9 _413\"/>vs\u00e4ttningar<span class=\"__9 _367\"> </span>1 562<span class=\"__9 _379\"> </span>-863<span class=\"__9 _356\"> </span>F\u00f6r\u00e4ndring a<span class=\"__9 _413\"/>v \u00e5terb\u00e4ringsmedel<span class=\"__9 _c7_1\"> </span>372<span class=\"__9 _5a_1\"> </span>-987<span class=\"__9 _356\"> </span>Int\u00e4k<span class=\"__9 _413\"/>ter f\u00f6rs\u00e4kringsrisk<span class=\"__9 _435\"> </span>80<span class=\"__9 _387\"> </span><span class=\"ls13_7 ws15_8\">73<span class=\"__9 _356\"> </span></span>Kostnader f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsrisk<span class=\"__9 _c8_2\"> </span><span class=\"ls2_8 ws5_8\">-29<span class=\"__9 _364\"> </span><span class=\"ls3_8 ws6_8\">-19<span class=\"__9 _356\"> </span></span></span>Summa<span class=\"__9 _c9_2\"> </span>61<span class=\"__9 _375\"> </span><span class=\"ls14_7 ws16_8\">97<span class=\"__9 _356\"> </span></span>Int\u00e4k<span class=\"__9 _413\"/>terna fr\u00e5n livf\u00f6rs\u00e4kringsverksamhet<span class=\"__9 _348\"/>en utg\u00f6rs huvudsakli-<span class=\"__9 _356\"> </span>gen av:<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span>kostnadsre<span class=\"__9 _348\"/>sultat<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">resulta<span class=\"__9 _413\"/>t fr\u00e5n f\u00f6rs\u00e4kringsrisk<span class=\"__9 _356\"> </span></span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">vinstdelning p\u00e5 risk<span class=\"__9 _413\"/>- och avkastningsresul<span class=\"__9 _413\"/>tat<span class=\"__9 _356\"> </span></span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">avkas<span class=\"__9 _413\"/>tning p\u00e5 ytterligare kapital i<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>livf\u00f6rs\u00e4kringsverksamheten.<span class=\"__9 _356\"> </span>Resulta<span class=\"__9 _413\"/>t fr\u00e5n dessa komponent<span class=\"__9 _413\"/>er, med undan<span class=\"__9 _413\"/>tag f\u00f6r kostnads-<span class=\"__9 _356\"> </span>resulta<span class=\"__9 _413\"/>t och vinstdelning p\u00e5 risk- och a<span class=\"__9 _413\"/>vkastningsresultat f<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _356\"> </span> fondf<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsavtal och \ufb01nansiella avt<span class=\"__9 _348\"/>al, ing\u00e5r i \u201dNettoresulta<span class=\"__9 _413\"/>t<span class=\"__9 _356\"> </span> av pos<span class=\"__9 _413\"/>ter till verkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Kostnadsr<span class=\"__9 _413\"/>esultatet utg\u00f6rs a<span class=\"__9 _348\"/>v ett av<span class=\"__9 _413\"/>giftsuttag fr\u00e5n f\u00f6rs\u00e4k<span class=\"__9 _413\"/>-<span class=\"__9 _356\"> </span>ringstagarna och ing\u00e5r i post<span class=\"__9 _413\"/>en \u201d<span class=\"__9 _413\"/>A<span class=\"__9 _413\"/>vgifts- och provisionsin<span class=\"__9 _413\"/>t\u00e4k-<span class=\"__9 _356\"> </span>ter<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _357\"/>, tillsammans med vinstdelningen p\u00e5 risk- och a<span class=\"__9 _413\"/>vkastnings-<span class=\"__9 _356\"> </span>resulta<span class=\"__9 _413\"/>t f\u00f6r fondf<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>s\u00e4kringsa<span class=\"__9 _348\"/>vtal och \ufb01nansiella avt<span class=\"__9 _413\"/>al<span class=\"__9 _a_8\"/>. Motsva<span class=\"__9 _413\"/>-<span class=\"__9 _356\"> </span>rande kos<span class=\"__9 _348\"/>tnader ing\u00e5r i posterna \u201d<span class=\"__9 _357\"/>A<span class=\"__9 _413\"/>vgifts- och<span class=\"__9 _356\"> </span> provisionskos<span class=\"__9 _413\"/>tnader<span class=\"__9 _425\"/>\u201d och \u201dR\u00f6relsek<span class=\"__9 _348\"/>ostnader<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _357\"/>. F\u00f6rs\u00e4kringstaga-<span class=\"__9 _356\"> </span>rens andel a<span class=\"__9 _413\"/>v ett positivt eller negativt kostnadsresulta<span class=\"__9 _413\"/>t (vinst-<span class=\"__9 _356\"> </span>delning) ing\u00e5r i posten \u201dF<span class=\"__9 _413\"/>\u00f6r\u00e4ndring av f<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>s\u00e4kringstekniska<span class=\"__9 _356\"> </span> avs\u00e4<span class=\"__9 _413\"/>ttningar<span class=\"__9 _425\"/>\u201d i tabellen ovan.<span class=\"__9 _356\"> </span>Resulta<span class=\"__9 _413\"/>tet av f<span class=\"__9 _348\"/>\u00f6rs\u00e4kringsrisker utg\u00f6rs av in<span class=\"__9 _413\"/>t\u00e4kter fr<span class=\"__9 _413\"/>\u00e5n enskil-<span class=\"__9 _356\"> </span>da riskprodukt<span class=\"__9 _413\"/>er och fr\u00e5n f\u00f6rs\u00e4kringsdelen i enskilda livf\u00f6rs\u00e4k<span class=\"__9 _413\"/>-<span class=\"__9 _356\"> </span>ringsavtal <span class=\"__9 _348\"/>samt sjuk<span class=\"__9 _413\"/>- och olycksfallsf<span class=\"__9 _413\"/>\u00f6rs\u00e4kringar. Riskpr<span class=\"__9 _413\"/>emierna<span class=\"__9 _356\"> </span> f\u00f6r<span class=\"__9 _348\"/>delas \u00f6ver f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsperioden och avs\u00e4ttningarna minskar i<span class=\"__9 _356\"> </span> takt med a<span class=\"__9 _413\"/>tt f\u00f6rs\u00e4kringsrisken avtar<span class=\"__9 _357\"/>. En stor del av riskr<span class=\"__9 _413\"/>esulta-<span class=\"__9 _356\"> </span>tet fr\u00e5n tr<span class=\"__9 _413\"/>aditionella liv<span class=\"__9 _a_8\"/>f\u00f6rs\u00e4kringsa<span class=\"__9 _413\"/>vtal omfa<span class=\"__9 _348\"/>ttas a<span class=\"__9 _348\"/>v vinstdel-<span class=\"__9 _356\"> </span>ning, vilket inneb\u00e4r att f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringstagarna erh\u00e5ller en del av<span class=\"__9 _356\"> </span> nettoint\u00e4k<span class=\"__9 _413\"/>terna eller nettounderskottet. Riskint\u00e4k<span class=\"__9 _413\"/>terna och<span class=\"__9 _356\"> </span> riskkostnaderna bruttor<span class=\"__9 _413\"/>edovisas under posterna \u201dInt\u00e4k<span class=\"__9 _413\"/>ter f\u00f6r-<span class=\"__9 _356\"> </span>s\u00e4kringsrisk\u201d och \u201dKostnader f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsrisk\u201d i tabellen. F\u00f6r-<span class=\"__9 _356\"> </span>s\u00e4kringstagarnas andel a<span class=\"__9 _413\"/>v resultatet redo<span class=\"__9 _413\"/>visas under posten<span class=\"__9 _356\"> </span> \u201dF\u00f6r<span class=\"__9 _413\"/>\u00e4ndring av f\u00f6rs\u00e4kringst<span class=\"__9 _348\"/>ekniska avs\u00e4<span class=\"__9 _413\"/>ttningar<span class=\"__9 _425\"/>\u201d i samma<span class=\"__9 _356\"> </span> tabell.<span class=\"__9 _356\"> </span>Vinster och f<span class=\"__9 _413\"/>\u00f6rluster fr\u00e5n plac<span class=\"__9 _348\"/>eringar inom Life &amp; P<span class=\"__9 _413\"/>ension<span class=\"__9 _356\"> </span> f\u00f6r<span class=\"__9 _348\"/>delas p\u00e5 respek<span class=\"__9 _348\"/>tive post i tabellen, pr<span class=\"__9 _413\"/>ecis som andra place-<span class=\"__9 _356\"> </span>ringar i Nordea. Pos<span class=\"__9 _413\"/>terna omfatt<span class=\"__9 _348\"/>ar avk<span class=\"__9 _348\"/>astning p\u00e5 tillg\u00e5ngar<span class=\"__9 _356\"> </span> som ska t\u00e4cka skulder till f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringstagarna och avkas<span class=\"__9 _348\"/>tning<span class=\"__9 _356\"> </span> p\u00e5 ytterligare kapital som allok<span class=\"__9 _413\"/>erats till Life &amp; P<span class=\"__9 _413\"/>ension (eget<span class=\"__9 _356\"> </span> kapital i Life &amp; P<span class=\"__9 _413\"/>ension).<span class=\"__9 _356\"> </span>Post<span class=\"__9 _413\"/>en \u201dF\u00f6r\u00e4ndring a<span class=\"__9 _413\"/>v f\u00f6rs\u00e4kringstekniska a<span class=\"__9 _348\"/>vs\u00e4ttningar<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _356\"> </span> innefa<span class=\"__9 _413\"/>ttar:<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">A<span class=\"__9 _413\"/>vkastning p\u00e5 tillg\u00e5ngar som h\u00e5lls f\u00f6r att t\u00e4ck<span class=\"__9 _348\"/>a skulder till<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>f\u00f6rs\u00e4kringstagarna (inkl<span class=\"__9 _413\"/>usive skulder fr\u00e5n traditionella<span class=\"__9 _356\"> </span> livf\u00f6rs\u00e4kringsavt<span class=\"__9 _413\"/>al<span class=\"__9 _a_8\"/>, fondf<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsavtal och \ufb01nansiella avtal),<span class=\"__9 _356\"> </span> som \u00f6verf<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>s individuellt till f<span class=\"__9 _348\"/>\u00f6rs\u00e4kringstagarnas kon<span class=\"__9 _413\"/>ton i<span class=\"__9 _a_8\"/> enlighet med deras a<span class=\"__9 _413\"/>vtal<span class=\"__9 _a_8\"/>.<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">Ytterligare \u00e5terb\u00e4ring (<span class=\"__9 _348\"/>diskretion\u00e4r del) till f<span class=\"__9 _348\"/>\u00f6rs\u00e4kringstagarna<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>avseende tr<span class=\"__9 _413\"/>aditionella liv<span class=\"__9 _a_8\"/>f\u00f6rs\u00e4kringsa<span class=\"__9 _413\"/>vtal eller andra \u00f6verf<span class=\"__9 _348\"/>\u00f6rin<span class=\"ls0_9 ws0_9\">-<span class=\"__9 _356\"> </span></span>gar till f\u00f6rs\u00e4kringstagarna f<span class=\"__9 _413\"/>\u00f6r att t\u00e4cka tillf\u00e4lliga undersko<span class=\"__9 _413\"/>tt<span class=\"__9 _a_8\"/> mellan placeringsresult<span class=\"__9 _348\"/>at och even<span class=\"__9 _413\"/>tuell avtalad minimif<span class=\"__9 _413\"/>\u00f6rm\u00e5n.<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">Vinstdelning p\u00e5 risk- och a<span class=\"__9 _413\"/>vkastningsresulta<span class=\"__9 _413\"/>t f\u00f6r traditionella<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>livf\u00f6rs\u00e4kringsproduk<span class=\"__9 _413\"/>ter i enlighet med lokala f\u00f6rdelningsregler<span class=\"__9 _356\"> </span> i respek<span class=\"__9 _348\"/>tive Lif<span class=\"__9 _413\"/>e &amp; Pension-enhet och g\u00e4llande avtal med<span class=\"__9 _356\"> </span> f\u00f6rs\u00e4kringstagarna. R<span class=\"__9 _413\"/>edovisningen av vinst<span class=\"__9 _413\"/>delningen i<span class=\"__9 _356\"> </span><span class=\"__9 _a_8\"/> result<span class=\"__9 _348\"/>atr\u00e4kningen f<span class=\"__9 _413\"/>\u00f6ruts\u00e4tter fram<span class=\"__9 _413\"/>f\u00f6r allt ett positivt result<span class=\"__9 _348\"/>at f<span class=\"__9 _413\"/>\u00f6<span class=\"__9 _356\"> </span>r<span class=\"__9 _a_8\"/> traditionella livf\u00f6rs\u00e4kringsa<span class=\"__9 _413\"/>vtal. Vinstdelning som inte kan<span class=\"__9 _356\"> </span> redovisas under innev<span class=\"__9 _413\"/>arande period till f\u00f6ljd a<span class=\"__9 _413\"/>v svaga placerin<span class=\"ls0_9 ws0_9\">-<span class=\"__9 _356\"> </span></span>gsresulta<span class=\"__9 _413\"/>t kan i vissa l\u00e4nder senarel\u00e4ggas, helt eller delvis, till \u00e5<span class=\"__9 _356\"> </span>r med h\u00f6gre a<span class=\"__9 _413\"/>vkastning.<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">F\u00f6rs\u00e4kringstagarnas andel a<span class=\"__9 _413\"/>v kostnads- och riskresulta<span class=\"__9 _348\"/>tet f<span class=\"__9 _348\"/>\u00f6r<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>traditionella livf\u00f6rs\u00e4kringsa<span class=\"__9 _413\"/>vtal eller fondf\u00f6rs\u00e4kringsa<span class=\"__9 _413\"/>vtal.<span class=\"__9 _356\"> </span>Post<span class=\"__9 _413\"/>en \u201dF\u00f6r\u00e4ndring a<span class=\"__9 _413\"/>v \u00e5terb\u00e4ringsmedel\u201d i tabellen ovan a<span class=\"__9 _413\"/>vse<span class=\"__9 _356\"> </span>r endast traditionella livf<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>s\u00e4kringsavt<span class=\"__9 _348\"/>al. Posten om<span class=\"__9 _413\"/>fattar f<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>s\u00e4k<span class=\"__9 _356\"> </span>-<span class=\"__9 _356\"> </span>ringstagarnas andel a<span class=\"__9 _413\"/>v avkastning som \u00e4nnu in<span class=\"__9 _413\"/>te har f\u00f6rdelats<span class=\"__9 _356\"> </span> till individuella f\u00f6rs\u00e4kringstagar<span class=\"__9 _413\"/>e. \u00c4<span class=\"__9 _413\"/>ven \u00e5terb\u00e4ringsmedel ing\u00e5<span class=\"__9 _356\"> </span>r (diskretion\u00e4r del), liksom belopp s<span class=\"__9 _348\"/>om beh\u00f6vs f<span class=\"__9 _348\"/>\u00f6r att t\u00e4cka till-<span class=\"__9 _356\"> </span>f\u00e4lliga undersko<span class=\"__9 _348\"/>tt mellan placeringsresult<span class=\"__9 _348\"/>at och even<span class=\"__9 _413\"/>tuell mini<span class=\"__9 _356\"> </span>-<span class=\"__9 _356\"> </span>mif\u00f6rm\u00e5n till f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringstagarna.<span class=\"__9 _356\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestExpenseExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-561": {
   "value": "K2.2 R\u00e4ntenetto<span class=\"__9 _356\"> </span>Redovisningsprinciper R\u00e4nta utg\u00f6rs a<span class=\"__9 _413\"/>v ers\u00e4ttning f\u00f6r pengars tidsv\u00e4rde plus en mar-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">ginal. Effek</span><span class=\"__9 _413\"/>tivr\u00e4ntan motsv<span class=\"__9 _413\"/>arar den r\u00e4nta som an<span class=\"__9 _413\"/>v\u00e4nds f\u00f6r att diskont<span class=\"__9 _413\"/>era f\u00f6rv\u00e4ntade f<span class=\"__9 _413\"/>ramtida kassafl\u00f6den till redo<span class=\"__9 _413\"/>visat v\u00e4rde p\u00e5 den \ufb01nansiella tillg\u00e5ngen eller sk<span class=\"__9 _413\"/>ulden vid f\u00f6rsta redovisnings<span class=\"__9 _348\"/>tillf\u00e4llet.<span class=\"__9 _356\"> </span>R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter och r\u00e4n<span class=\"__9 _413\"/>tekostnader ber\u00e4knas och redo<span class=\"__9 _413\"/>visas <span class=\"__9 _356\">med effek</span><span class=\"__9 _413\"/>tivr\u00e4ntemetoden eller<span class=\"__9 _357\"/>, om s\u00e5 anses l\u00e4mpligt, med en metod som ger en rimlig uppskattning a<span class=\"__9 _413\"/>v vad en ber\u00e4k<span class=\"__9 _413\"/>-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">ning grundad p\u00e5 effek</span><span class=\"__9 _413\"/>tivr\u00e4ntemetoden sk<span class=\"__9 _413\"/><span class=\"__9 _356\">ulle ge. Effektivr</span><span class=\"__9 _413\"/>\u00e4n-<span class=\"__9 _356\"> </span>tan innefa<span class=\"__9 _413\"/>ttar avgifter som anse<span class=\"__9 _348\"/><span class=\"__9 _356\">s ing\u00e5 i effek</span><span class=\"__9 _413\"/>tivr\u00e4ntan f<span class=\"__9 _413\"/>\u00f6r ett \ufb01nansiellt instrumen<span class=\"__9 _413\"/>t (vanligen avgifter erh\u00e5llna s<span class=\"__9 _413\"/>om kom-<span class=\"__9 _356\"> </span>pensation f<span class=\"__9 _413\"/>\u00f6r risk). R\u00e4nteint\u00e4k<span class=\"__9 _413\"/>ter och r\u00e4ntekos<span class=\"__9 _413\"/>tnader fr\u00e5n \ufb01nansiella instrument klassi\ufb01c<span class=\"__9 _413\"/>eras, med nedanst\u00e5ende undantag, som \u201dR\u00e4n<span class=\"__9 _413\"/>tenetto\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter och r\u00e4n<span class=\"__9 _413\"/>tekostnader h\u00e4nf<span class=\"__9 _413\"/>\u00f6rliga till balanspos-<span class=\"__9 _356\"> </span>ter redovisade till v<span class=\"__9 _413\"/>erkligt v\u00e4rde inom Markets och Life &amp; P<span class=\"__9 _413\"/>en-<span class=\"__9 _356\"> </span>sion klassi\ufb01ceras i re<span class=\"__9 _348\"/>sultatr<span class=\"__9 _413\"/>\u00e4kningen som \u201dNettoresultat a<span class=\"__9 _413\"/>v poster till verkligt v<span class=\"__9 _413\"/>\u00e4rde\u201d<span class=\"__9 _413\"/>. \u00c4<span class=\"__9 _413\"/>ven r\u00e4n<span class=\"__9 _413\"/>tan h\u00e4nf\u00f6rlig till netto<span class=\"__9 _413\"/>\ufb01-<span class=\"__9 _356\"> </span>nansieringen av v<span class=\"__9 _413\"/>erksamheten inom Markets och Life &amp; Pen-<span class=\"__9 _356\"> </span>sion (samt en portf\u00f6lj med r<span class=\"__9 _413\"/>\u00e4nteb\u00e4rande v\u00e4r<span class=\"__9 _413\"/>depapper i Life &amp; Pension) v\u00e4r<span class=\"__9 _413\"/><span class=\"__9 _356\">derad till upplupet anskaffningsv\u00e4r</span><span class=\"__9 _413\"/>de redovisas under \u201dNettoresult<span class=\"__9 _348\"/>at a<span class=\"__9 _413\"/>v poster till verkligt v\u00e4rde\u201d f<span class=\"__9 _413\"/>\u00f6r att s\u00e4kerst\u00e4lla att in<span class=\"__9 _413\"/>t\u00e4kter och kos<span class=\"__9 _348\"/>tnader i dessa verksamheter redovisas p\u00e5 ett kons<span class=\"__9 _348\"/>ekvent s\u00e4<span class=\"__9 _413\"/>tt<span class=\"__9 _a_8\"/>. Se not K2.4 \u201dSumma netto-<span class=\"__9 _356\"> </span>resulta<span class=\"__9 _413\"/>t av poster till verkligt v<span class=\"__9 _413\"/>\u00e4rde\u201d<span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>R\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat klassi\ufb01cer<span class=\"__9 _413\"/>as som \u201dNettoresul-<span class=\"__9 _356\"> </span>tat a<span class=\"__9 _413\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>, med undantag f<span class=\"__9 _413\"/>\u00f6r derivat som innehas f\u00f6r s\u00e4kringssyfte. I r<span class=\"__9 _348\"/>edovisningss\u00e4kringar klas-<span class=\"__9 _356\"> </span>si\ufb01ceras r<span class=\"__9 _348\"/>\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat som \u201dR\u00e4n<span class=\"__9 _413\"/>teint\u00e4kt<span class=\"__9 _413\"/>er fr\u00e5n anv\u00e4ndande a<span class=\"__9 _413\"/><span class=\"__9 _356\">v effektivr</span><span class=\"__9 _413\"/>\u00e4ntemetoden\u201d om deriva<span class=\"__9 _413\"/>tet anv\u00e4nds f\u00f6r a<span class=\"__9 _413\"/>tt risks\u00e4kra en tillg\u00e5ng och som \u201dR\u00e4ntekos<span class=\"__9 _348\"/>tnader<span class=\"__9 _a_8\"/>\u201d om derivat<span class=\"__9 _348\"/>et anv\u00e4nds f<span class=\"__9 _413\"/>\u00f6r att risks\u00e4kra en skuld. I ekonomiska s\u00e4kringar klassi\ufb01ceras r<span class=\"__9 _348\"/>\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat som \u201d\u00d6vri-<span class=\"__9 _356\"> </span>ga r\u00e4n<span class=\"__9 _348\"/>teint\u00e4k<span class=\"__9 _413\"/>ter<span class=\"__9 _a_8\"/>\u201d om derivatet anv<span class=\"__9 _413\"/>\u00e4nds f\u00f6r att risks\u00e4kra en tillg\u00e5ng och som \u201dR\u00e4nt<span class=\"__9 _348\"/>ekostnader<span class=\"__9 _a_8\"/>\u201d om deriva<span class=\"__9 _348\"/>tet anv\u00e4nds f<span class=\"__9 _413\"/>\u00f6r att risks\u00e4kra en sk<span class=\"__9 _413\"/>uld<span class=\"__9 _356\"> </span>.<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vkastningen p\u00e5 \ufb01nansiella tillg\u00e5ngar redovisas p\u00e5 tre rader i resul<span class=\"__9 _348\"/>tatr\u00e4kningen: \u201dR\u00e4n<span class=\"__9 _413\"/>teint\u00e4k<span class=\"__9 _413\"/>ter fr\u00e5n anv\u00e4ndande a<span class=\"__9 _413\"/>v <span class=\"__9 _356\">effek</span><span class=\"__9 _413\"/>tivr\u00e4ntemetoden\u201d<span class=\"__9 _357\"/>, \u201d\u00d6vriga r\u00e4n<span class=\"__9 _348\"/>teint<span class=\"__9 _348\"/>\u00e4kter\u201d och \u201dNegativ avkas<span class=\"__9 _413\"/>tning p\u00e5 \ufb01nansiella tillg\u00e5ngar<span class=\"__9 _425\"/>\u201d<span class=\"__9 _357\"/>. Under posten \u201dR\u00e4ntein-<span class=\"__9 _356\"> </span>t\u00e4kt<span class=\"__9 _348\"/>er fr\u00e5n an<span class=\"__9 _348\"/>v\u00e4ndande a<span class=\"__9 _413\"/><span class=\"__9 _356\">v effektivr</span><span class=\"__9 _413\"/>\u00e4ntemetoden\u201d redovisar Nordea r\u00e4n<span class=\"__9 _413\"/>teint\u00e4kt<span class=\"__9 _413\"/>er fr\u00e5n \ufb01nansiella tillg\u00e5ngar v\u00e4rderade till <span class=\"__9 _356\">upplupet anskaffningsv</span><span class=\"__9 _413\"/>\u00e4rde eller till verkligt v\u00e4rde via \u00f6vrigt totalr<span class=\"__9 _348\"/>esultat. Resul<span class=\"__9 _348\"/>tatr\u00e4kningspos<span class=\"__9 _413\"/>ten \u201d\u00d6vriga r\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter<span class=\"__9 _a_8\"/>\u201d innefa<span class=\"__9 _413\"/>ttar r\u00e4ntein<span class=\"__9 _348\"/>t\u00e4kt<span class=\"__9 _348\"/>er fr\u00e5n e<span class=\"__9 _413\"/>xempelvis l\u00e5n v\u00e4r<span class=\"__9 _413\"/>derade till verkligt v\u00e4r<span class=\"__9 _348\"/>de via resulta<span class=\"__9 _413\"/>tr\u00e4kningen eftersom de inte uppfyl<span class=\"__9 _348\"/>-<span class=\"__9 _356\"> </span>ler SPPI-kriteriet (som anger att kassa<span class=\"__9 _413\"/>fl\u00f6det enbar<span class=\"__9 _a_8\"/>t ska utg\u00f6-<span class=\"__9 _356\"> </span>ras a<span class=\"__9 _413\"/>v betalning av kapitalbelopp och r\u00e4n<span class=\"__9 _413\"/>ta). Negativ avkas<span class=\"__9 _413\"/>t-<span class=\"__9 _356\"> </span>ning p\u00e5 \ufb01nansiella tillg\u00e5ngar och skulder redo<span class=\"__9 _348\"/>visas under \u201dNegativ a<span class=\"__9 _413\"/>vkastning p\u00e5 \ufb01nansiella tillg\u00e5ngar<span class=\"__9 _a_8\"/>\u201d respektive \u201dNegativ a<span class=\"__9 _413\"/>vkastning p\u00e5 \ufb01nansiella skulder<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _356\"> </span><span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__9 _413\"/>ttningar<span class=\"__9 _356\"> </span>Nordeas kritiska bed\u00f6mning \u00e4r att en ev<span class=\"__9 _413\"/>entuell f\u00f6r\u00e4ndring i r\u00e4n<span class=\"__9 _348\"/>tan p\u00e5 uppl\u00e5ning via E<span class=\"__9 _348\"/>CB:s riktade l\u00e5ngf<span class=\"__9 _413\"/>ristiga re\ufb01nansie-<span class=\"__9 _356\"> </span>ringsprogram (TL<span class=\"__9 _357\"/>TRO<span class=\"__9 _413\"/>), fr\u00e5n det att gr\u00e4nsv<span class=\"__9 _413\"/>\u00e4rdena f\u00f6r utl\u00e5ning har uppn\u00e5tts, ska betrak<span class=\"__9 _413\"/>tas som en f\u00f6r\u00e4ndring i en r<span class=\"__9 _413\"/>\u00f6rlig r\u00e4n<span class=\"__9 _348\"/><span class=\"__9 _356\">ta och redovisas som en s\u00e5dan enligt IFRS 9. Den eff</span><span class=\"__9 _413\"/>ekt som uppst\u00e5r genom a<span class=\"__9 _348\"/>tt gr\u00e4nsv\u00e4r<span class=\"__9 _348\"/>dena f\u00f6r utl\u00e5ning uppn\u00e5s redovisas d\u00e4rmed under \u201dR\u00e4n<span class=\"__9 _413\"/>tenetto\u201d n\u00e4r det med tillr\u00e4cklig s\u00e4kerhet g\u00e5r att f<span class=\"__9 _413\"/>astst\u00e4lla att gr\u00e4nsv<span class=\"__9 _413\"/>\u00e4rdena kommer att uppn\u00e5s.<span class=\"__9 _356\"> </span>R\u00e4ntenetto<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _426\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter fr\u00e5n anv<span class=\"__9 _413\"/>\u00e4ndande av effek<span class=\"__9 _413\"/><span class=\"__9 _356\">tivr\u00e4ntemetoden1</span><span class=\"__9 _427\"> </span>7 937<span class=\"__9 _3a_4\"> </span>5 116<span class=\"__9 _356\"> </span>\u00d6vriga r\u00e4nt<span class=\"__9 _348\"/>eint\u00e4k<span class=\"__9 _413\"/>ter<span class=\"__9 _7a_1\"> </span>1 013<span class=\"__9 _380\"> </span>784<span class=\"__9 _356\"> </span>Negativ a<span class=\"__9 _348\"/>vkastning p\u00e5 \ufb01nansiella tillg\u00e5ngar<span class=\"__9 _369\"> </span>-134<span class=\"__9 _1b_5\"> </span>-219<span class=\"__9 _356\"> </span>R\u00e4ntekos<span class=\"__9 _413\"/>tnader<span class=\"__9 _407\"> </span>-3 474<span class=\"__9 _3b_3\"> </span>-1 167<span class=\"__9 _356\"> </span>Negativ a<span class=\"__9 _348\"/>vkastning p\u00e5 \ufb01nansiella skulder<span class=\"__9 _7b_1\"> </span> 322<span class=\"__9 _367\"> </span>411<span class=\"__9 _356\"> </span>R\u00e4ntenetto<span class=\"__9 _7c_1\"> </span>5 664<span class=\"__9 _362\"> </span>4 92<span class=\"__9 _a_8\"/>5<span class=\"__9 _356\"> </span>1)   <span class=\"__9 _c_8\"/>Var<span class=\"__9 _348\"/>av variabla leasingin<span class=\"__9 _413\"/>t\u00e4kter 229 mn euro (175 mn euro). V<span class=\"__9 _413\"/>ariabla leasingint\u00e4kt<span class=\"__9 _413\"/>er best\u00e5r av r<span class=\"__9 _413\"/>\u00f6rliga r\u00e4ntor exklusive den f<span class=\"__9 _413\"/>asta marginalen. Om den variabla leasingin-<span class=\"__9 _356\"> </span>t\u00e4kten minskar mo<span class=\"__9 _348\"/>tverkas detta av l\u00e4gr<span class=\"__9 _413\"/>e uppl\u00e5ningskostnader. R\u00e4n<span class=\"__9 _413\"/>teint\u00e4kterna p\u00e5 nettoinvest<span class=\"__9 _413\"/>eringen i \ufb01nansiella leasingavtal uppgick till 329 mn euro (260 mn euro).<span class=\"__9 _356\"> </span>R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter fr\u00e5n an<span class=\"__9 _413\"/><span class=\"__9 _356\">v\u00e4ndande av eff</span><span class=\"__9 _413\"/>ektivr\u00e4ntemet<span class=\"__9 _413\"/>oden<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _426\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Utl\u00e5ning till kreditinstitut<span class=\"__9 _7d_2\"> </span> 682<span class=\"__9 _375\"> </span>93<span class=\"__9 _356\"> </span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__9 _7e_1\"> </span>6 527<span class=\"__9 _386\"> </span>4 7<span class=\"__9 _a_8\"/>29<span class=\"__9 _356\"> </span>R\u00e4nteb\u00e4r<span class=\"__9 _348\"/>ande v\u00e4rdepapper<span class=\"__9 _7f_2\"> </span> 325<span class=\"__9 _361\"> </span>182<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vgifter <span class=\"__9 _428\"> </span><span class=\"ls2_8 ws5_8\"> 24<span class=\"__9 _a_8\"/>2<span class=\"__9 _367\"> </span></span>231<span class=\"__9 _356\"> </span>Netto betald eller erh\u00e5llen r\u00e4n<span class=\"__9 _413\"/>ta p\u00e5 derivatinstrumen<span class=\"__9 _413\"/>t i s\u00e4kringsredovisning av tillg\u00e5ngar<span class=\"__9 _429\"> </span> 161<span class=\"__9 _383\"> </span>-119<span class=\"__9 _356\"> </span>R\u00e4ntein<span class=\"__9 _348\"/>t\u00e4kter f<span class=\"__9 _413\"/>r\u00e5n anv\u00e4ndande av effek<span class=\"__9 _413\"/>tivr\u00e4ntemetoden<span class=\"__9 _352\"> </span>7 937<span class=\"__9 _1e_5\"> </span>5 116<span class=\"__9 _356\"> </span>\u00d6vriga r\u00e4nt<span class=\"__9 _413\"/>eint\u00e4kter<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _426\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Utl\u00e5ning till verkligt v\u00e4rde till allm\u00e4nhet<span class=\"__9 _348\"/>en<span class=\"__9 _369\"> </span>1 06<span class=\"__9 _a_8\"/>4<span class=\"__9 _380\"> </span>955<span class=\"__9 _356\"> </span>R\u00e4nteb\u00e4r<span class=\"__9 _348\"/>ande v\u00e4rdepapper till verkligt v<span class=\"__9 _413\"/>\u00e4rde<span class=\"__9 _372\"> </span><span class=\"ls3_8 ws6_8\"> 170<span class=\"__9 _375\"> </span></span>60<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vgifter och \u00f6vriga r\u00e4nt<span class=\"__9 _348\"/>eint\u00e4k<span class=\"__9 _413\"/>ter p\u00e5 tillg\u00e5ngar till verkligt v\u00e4rde<span class=\"__9 _430\"> </span> 0<span class=\"__9 _2d_3\"> </span>1<span class=\"__9 _356\"> </span>Netto betald eller erh\u00e5llen r\u00e4n<span class=\"__9 _413\"/>ta p\u00e5 derivatinstrumen<span class=\"__9 _413\"/>t i ekonomiska s\u00e4kringar av tillg\u00e5ngar<span class=\"__9 _431\"> </span>-221<span class=\"__9 _f_8\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _a_8\"/>3<span class=\"__9 _a_8\"/>2<span class=\"__9 _356\"> </span></span>\u00d6vriga r\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter<span class=\"__9 _432\"> </span>1 013<span class=\"__9 _3d_3\"> </span>784<span class=\"__9 _356\"> </span>R\u00e4ntek<span class=\"__9 _348\"/>ostnader<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _426\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Skulder till kreditinstitut<span class=\"__9 _433\"> </span>-221<span class=\"__9 _367\"> </span>-35<span class=\"__9 _356\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__9 _5d_1\"> </span>-957<span class=\"__9 _363\"> </span>-166<span class=\"__9 _356\"> </span>Emitterade v\u00e4r<span class=\"__9 _413\"/>depapper<span class=\"__9 _434\"> </span>-2 376<span class=\"__9 _410\"> </span>-1 275<span class=\"__9 _356\"> </span>Efterst\u00e4llda sk<span class=\"__9 _348\"/>ulder<span class=\"__9 _435\"> </span><span class=\"ls2_8 ws5_8\">-25<span class=\"__9 _a_8\"/>2<span class=\"__9 _363\"> </span>-2<span class=\"__9 _a_8\"/>55<span class=\"__9 _356\"> </span></span>\u00d6vriga r\u00e4nt<span class=\"__9 _348\"/>ekostnader<span class=\"__9 _436\"> </span><span class=\"ls3_8 ws6_8\">-14<span class=\"__9 _364\"> </span>-14<span class=\"__9 _356\"> </span></span>Netto betald eller erh\u00e5llen r\u00e4n<span class=\"__9 _413\"/>ta p\u00e5 derivatinstrumen<span class=\"__9 _413\"/>t i s\u00e4kringar av skulder<span class=\"__9 _437\"> </span> 346<span class=\"__9 _381\"> </span><span class=\"ls3_8 ws6_8\">578<span class=\"__9 _356\"> </span></span>R\u00e4ntekos<span class=\"__9 _413\"/>tnader<span class=\"__9 _8a_1\"> </span>-3 47<span class=\"__9 _413\"/>4<span class=\"__9 _410\"> </span>-1 167<span class=\"__9 _356\"> </span>R\u00e4ntenetto f<span class=\"__9 _413\"/>r\u00e5n kategorier a<span class=\"__9 _413\"/>v \ufb01nansiella instrument<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _426\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade till  verkligt v\u00e4rde via \u00f6<span class=\"__9 _413\"/>vrigt totalresultat <span class=\"__9 _8b_1\"> </span> 279<span class=\"__9 _367\"> </span>119<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade  <span class=\"__9 _356\">till upplupet anskaffningsv</span><span class=\"__9 _348\"/>\u00e4rde<span class=\"__9 _8c_1\"> </span>7 364<span class=\"__9 _362\"> </span>4 903<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade till  verkligt v\u00e4rde via r<span class=\"__9 _413\"/>esultatr\u00e4kningen <span class=\"__9 _8d_1\"> </span><span class=\"ls3_8 ws6_8\">1 17<span class=\"__9 _a_8\"/>3<span class=\"__9 _3d_3\"> </span></span>659<span class=\"__9 _356\"> </span>Finansiella skulder v\u00e4rder<span class=\"__9 _413\"/>ade <span class=\"__9 _356\">till upplupet anskaffningsv</span><span class=\"__9 _348\"/>\u00e4rde<span class=\"__9 _8e_1\"> </span>-2 896<span class=\"__9 _2b_3\"> </span>-838<span class=\"__9 _356\"> </span>Finansiella skulder v\u00e4rder<span class=\"__9 _413\"/>ade till  verkligt v\u00e4rde via r<span class=\"__9 _413\"/>esultatr\u00e4kningen <span class=\"__9 _8f_1\"> </span><span class=\"ls2_8 ws5_8\">-25<span class=\"__9 _a_8\"/>6<span class=\"__9 _375\"> </span></span>82<span class=\"__9 _356\"> </span>R\u00e4ntenetto<span class=\"__9 _7c_1\"> </span>5 664<span class=\"__9 _362\"> </span>4 92<span class=\"__9 _a_8\"/>5<span class=\"__9 _356\"> </span>R\u00e4ntan p\u00e5 os\u00e4kr<span class=\"__9 _413\"/>a l\u00e5nefordringar utgjorde en obety<span class=\"__9 _348\"/>dlig andel av r<span class=\"__9 _413\"/>\u00e4nteint\u00e4k<span class=\"__9 _413\"/>terna<span class=\"__9 _356\"> </span>K2.4 <span class=\"__9 _b6_2\"> </span> <span class=\"__9 _b7_2\"/>Summa nettoresul<span class=\"__9 _413\"/>tat a<span class=\"__9 _413\"/>v poster till v<span class=\"__9 _413\"/>erkligt v\u00e4rde<span class=\"__9 _356\"> </span>Redovsningsprinciper<span class=\"__9 _356\"> </span> Nettoresul<span class=\"__9 _413\"/>tat av post<span class=\"__9 _413\"/>er till verkligt v\u00e4rde<span class=\"__9 _356\"> </span>Realiserade och or<span class=\"__9 _413\"/>ealiserade vinster och f<span class=\"__9 _348\"/>\u00f6rluster p\u00e5 \ufb01nansiella<span class=\"__9 _356\"> </span> instrument och f<span class=\"__9 _413\"/>\u00f6rvaltningsfastighet<span class=\"__9 _413\"/>er v\u00e4rderade till verkligt<span class=\"__9 _356\"> </span> v\u00e4rde r<span class=\"__9 _348\"/>edovisas normalt under \u201dNettor<span class=\"__9 _413\"/>esultat av pos<span class=\"__9 _413\"/>ter till verkligt<span class=\"__9 _a_8\"/> v\u00e4rde\u201d<span class=\"__9 _357\"/>. F\u00f6r in<span class=\"__9 _413\"/>formation om de redovisningsprinciper som an<span class=\"__9 _413\"/>v\u00e4nds<span class=\"__9 _a_8\"/> vid ber\u00e4kning a<span class=\"__9 _413\"/>v verkligt v\u00e4rde, se not K3.4 \u201dV<span class=\"__9 _413\"/>erkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span> Dessutom ing\u00e5r f<span class=\"__9 _348\"/>\u00f6ljande poster i \u201dNettor<span class=\"__9 _413\"/>esultat av pos<span class=\"__9 _413\"/>ter till<span class=\"__9 _356\"> </span> verkligt v\u00e4r<span class=\"__9 _348\"/>de\u201d:<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter och r\u00e4n<span class=\"__9 _413\"/>tekostnader<span class=\"__9 _413\"/>, h\u00e4nf<span class=\"__9 _413\"/>\u00f6rliga till \ufb01nansierin<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span></span>gen av v<span class=\"__9 _413\"/>erksamheten inom Markets och Life &amp; Pension (sam<span class=\"__9 _413\"/>t<span class=\"__9 _356\"> </span> en portf\u00f6lj med r\u00e4n<span class=\"__9 _413\"/>teb\u00e4rande v\u00e4rdepapper i Lif<span class=\"__9 _413\"/>e &amp; Pension)<span class=\"__9 _356\"> </span> v\u00e4rder<span class=\"__9 _413\"/><span class=\"__9 _356\">ade till upplupet anskaffningsv\u00e4rde.<span class=\"__9 _356\"> </span></span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">Realiserade vins<span class=\"__9 _413\"/>ter/f\u00f6rl<span class=\"__9 _348\"/>uster p\u00e5 tillg\u00e5ngar och sk<span class=\"__9 _348\"/>ulder<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>v\u00e4rder<span class=\"__9 _413\"/><span class=\"__9 _356\">ade till upplupet anskaffningsv\u00e4rde.<span class=\"__9 _356\"> </span></span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\"> Omv\u00e4r<span class=\"__9 _348\"/>deringen av s\u00e4kr<span class=\"__9 _413\"/>ade risker i s\u00e4krade poster i<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>s\u00e4kringsredovisningen.<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span>V<span class=\"__9 _413\"/>alutakursf\u00f6r<span class=\"__9 _413\"/>\u00e4ndringar<span class=\"__9 _356\"> </span> \u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">F\u00f6r<span class=\"__9 _413\"/>\u00e4ndringar i skulder till f\u00f6rs\u00e4kringstagare och riskr<span class=\"__9 _348\"/>esultat<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>fr\u00e5n f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsavtal inom Life &amp; P<span class=\"__9 _413\"/>ension redovisas enligt<span class=\"__9 _356\"> </span> IFRS 4 (se ytterligare in<span class=\"__9 _413\"/>formation nedan).<span class=\"__9 _356\"> </span>F\u00f6ljande pos<span class=\"__9 _413\"/>ter ing\u00e5r inte i \u201dNettoresul<span class=\"__9 _348\"/>tat a<span class=\"__9 _413\"/>v poster till verkligt<span class=\"__9 _356\"> </span> v\u00e4rde\u201d:<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">R\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat som an<span class=\"__9 _413\"/>v\u00e4nds f\u00f6r s\u00e4kringsredo<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span></span>visning och ekonomiska s\u00e4kringar<span class=\"__9 _413\"/>. Dessa komponen<span class=\"__9 _348\"/>ter<span class=\"__9 _356\"> </span> redovisas under \u201dR\u00e4n<span class=\"__9 _413\"/>tenetto\u201d f\u00f6r att s\u00e4k<span class=\"__9 _348\"/>erst\u00e4lla redovis<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>ningsm\u00e4ssig \u00f6verenss<span class=\"__9 _413\"/>t\u00e4mmelse med de s\u00e4krade posterna.<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">F\u00f6rlus<span class=\"__9 _413\"/>ter fr\u00e5n motpartsrisk p\u00e5 utl\u00e5ning i portf\u00f6ljer som h\u00e5lls<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>till f\u00f6rf<span class=\"__9 _348\"/>all och obligatorisk<span class=\"__9 _413\"/>t v\u00e4rderas till verkligt v<span class=\"__9 _348\"/>\u00e4rde (uppf<span class=\"__9 _413\"/><span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>yller inte krit<span class=\"__9 _413\"/>eriet att kassafl\u00f6det enbart ska utg\u00f6ras av bet<span class=\"__9 _348\"/>al<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>ning av kapit<span class=\"__9 _348\"/>albelopp och r\u00e4n<span class=\"__9 _348\"/>ta) redovisas under den separ<span class=\"__9 _413\"/>at<span class=\"__9 _356\"> </span> posten \u201dNettor<span class=\"__9 _413\"/>esultat av utl\u00e5ning i portf<span class=\"__9 _348\"/>\u00f6ljer som h\u00e5lls till f\u00f6r<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>fall och obliga<span class=\"__9 _348\"/>toriskt v<span class=\"__9 _413\"/>\u00e4rderas till verkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Int\u00e4k<span class=\"__9 _413\"/>tsredovisningen och beteckningarna f\u00f6r de pos<span class=\"__9 _413\"/>ter som<span class=\"__9 _356\"> </span> avser livf<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsverksamheten beskrivs under \u201dInt\u00e4k<span class=\"__9 _413\"/>tsredo<span class=\"__9 _a_8\"/>-<span class=\"__9 _356\"> </span>visning livf\u00f6rs\u00e4kring\u201d nedan.<span class=\"__9 _356\"> </span>F\u00f6r fler r<span class=\"__9 _413\"/>edovisningsprinciper avseende valut<span class=\"__9 _348\"/>akursf\u00f6r<span class=\"__9 _413\"/>\u00e4nd-<span class=\"__9 _356\"> </span>ringar<span class=\"__9 _413\"/>, se not K1 \u201dRedovisningsprinciper\u201d och not K9.2 \u201dV<span class=\"__9 _413\"/>aluta-<span class=\"__9 _356\"> </span>omr\u00e4kning a<span class=\"__9 _413\"/>v utl\u00e4ndska f\u00f6retag/\ufb01lialer<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>Nettoresul<span class=\"__9 _413\"/>tat av utl\u00e5ning i portf<span class=\"__9 _348\"/>\u00f6ljer som h\u00e5lls till<span class=\"__9 _356\"> </span> f\u00f6rf<span class=\"__9 _413\"/>all och obligatoriskt v\u00e4r<span class=\"__9 _413\"/>deras till verkligt v\u00e4rde<span class=\"__9 _356\"> </span>Post<span class=\"__9 _413\"/>en \u201dNettoresultat a<span class=\"__9 _413\"/>v utl\u00e5ning i por<span class=\"__9 _a_8\"/>tf\u00f6ljer som h\u00e5lls till f<span class=\"__9 _413\"/>\u00f6r-<span class=\"__9 _356\"> </span>fall och obliga<span class=\"__9 _348\"/>toriskt v<span class=\"__9 _413\"/>\u00e4rderas till verkligt v\u00e4rde\u201d inkl<span class=\"__9 _413\"/>uderar jus-<span class=\"__9 _356\"> </span>teringar till verkligt v\u00e4r<span class=\"__9 _413\"/>de av marginalkomponen<span class=\"__9 _413\"/>ten f\u00f6r l\u00e5ne-<span class=\"__9 _356\"> </span>for<span class=\"__9 _348\"/>dringar i portf\u00f6ljer d\u00e4r a<span class=\"__9 _413\"/>vsikten \u00e4r att beh\u00e5lla instrumen<span class=\"__9 _413\"/>ten<span class=\"__9 _356\"> </span> till f\u00f6rf<span class=\"__9 _348\"/>all och d\u00e4r dessa m\u00e5ste v<span class=\"__9 _413\"/>\u00e4rderas till verkligt v\u00e4rde (upp-<span class=\"__9 _356\"> </span>fyller inte SPPI-krit<span class=\"__9 _413\"/>eriet). L\u00e5nefordringarna klassi\ufb01cer<span class=\"__9 _348\"/>as i kate-<span class=\"__9 _356\"> </span>gorin \u201dFinansiella tillg\u00e5ngar v\u00e4rder<span class=\"__9 _413\"/>ade till verkligt v\u00e4rde via<span class=\"__9 _356\"> </span> resulta<span class=\"__9 _413\"/>tr\u00e4kningen\u201d och redovisas under posten \u201dUtl\u00e5ning till<span class=\"__9 _356\"> </span> allm\u00e4nheten\u201d i balansr\u00e4kningen. Jus<span class=\"__9 _348\"/>teringar till verkligt v\u00e4r<span class=\"__9 _413\"/>de<span class=\"__9 _356\"> </span> avser f<span class=\"__9 _413\"/>r\u00e4mst f\u00f6r<span class=\"__9 _413\"/>\u00e4ndringar i kreditrisk.<span class=\"__9 _356\"> </span>F\u00f6rlus<span class=\"__9 _413\"/>ter fr\u00e5n motpartsrisk i instrumen<span class=\"__9 _413\"/>t som klassi\ufb01cerats i<span class=\"__9 _356\"> </span> kategorin \u201dFinansiella tillg\u00e5ngar v<span class=\"__9 _413\"/>\u00e4rderade till verkligt v\u00e4rde<span class=\"__9 _356\"> </span>via resulta<span class=\"__9 _413\"/>tr\u00e4kningen\u201d redovisas under \u201dNettoresul<span class=\"__9 _348\"/>tat a<span class=\"__9 _413\"/>v poste<span class=\"__9 _356\"> </span>r<span class=\"__9 _356\"> </span> till verkligt v\u00e4r<span class=\"__9 _348\"/>de\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Nedskrivningar avseende ins<span class=\"__9 _413\"/>trument i andra kategorier \u00e4n<span class=\"__9 _356\"> </span> \u201dFinansiella tillg\u00e5ngar v\u00e4rder<span class=\"__9 _413\"/>ade till verkligt v\u00e4rde via resulta<span class=\"__9 _413\"/>t-<span class=\"__9 _356\"> </span>r\u00e4kningen\u201d redo<span class=\"__9 _348\"/>visas under posten \u201dKreditf<span class=\"__9 _413\"/>\u00f6rluster<span class=\"__9 _413\"/>, netto\u201d<span class=\"__9 _357\"/>. F\u00f6r<span class=\"__9 _356\"> </span> ytterligare in<span class=\"__9 _348\"/>forma<span class=\"__9 _413\"/>tion, se not K2.9 \u201dKreditf\u00f6rlus<span class=\"__9 _413\"/>ter<span class=\"__9 _425\"/>\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__9 _413\"/>ttningar<span class=\"__9 _356\"> </span>Os\u00e4kerhet i uppskattningar \ufb01nns i samband med v<span class=\"__9 _413\"/>\u00e4rdering av<span class=\"__9 _356\"> </span> \ufb01nansiella instrument, fr<span class=\"__9 _348\"/>amf<span class=\"__9 _413\"/>\u00f6r allt f\u00f6r instrumen<span class=\"__9 _413\"/>t som saknar<span class=\"__9 _356\"> </span> noter<span class=\"__9 _348\"/>ade kurser och nyligen observerade marknadsk<span class=\"__9 _413\"/>ur<span class=\"__9 _a_8\"/>ser<span class=\"__9 _356\"> </span> <span class=\"__9 _356\">(instrument i niv</span><span class=\"__9 _413\"/>\u00e5 3). Se not K3.4 \u201dV<span class=\"__9 _348\"/>erkligt v\u00e4rde\u201d<span class=\"__9 _356\"> </span><span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Summa nettoresul<span class=\"__9 _413\"/>tat av post<span class=\"__9 _348\"/>er till verkligt v\u00e4r<span class=\"__9 _348\"/>de<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _b8_1\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Nettoresulta<span class=\"__9 _413\"/>t av poster till verkligt v\u00e4r<span class=\"__9 _413\"/>de<span class=\"__9 _b9_2\"> </span>721<span class=\"__9 _2b_3\"> </span>1 119<span class=\"__9 _356\"> </span>Nettoresulta<span class=\"__9 _413\"/>t av utl\u00e5ning i portf\u00f6ljer som h\u00e5lls till<span class=\"__9 _356\"> </span> f\u00f6rfall och obliga<span class=\"__9 _413\"/>toriskt v\u00e4rderas till v<span class=\"__9 _348\"/>erkligt v\u00e4rde<span class=\"__9 _365\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _a_8\"/>3<span class=\"__9 _375\"> </span></span>83<span class=\"__9 _356\"> </span>Summa<span class=\"__9 _350\"> </span>708<span class=\"__9 _360\"> </span>1 202<span class=\"__9 _356\"> </span>F\u00f6r<span class=\"__9 _413\"/>delning efter produkt<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _b8_1\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Aktierela<span class=\"__9 _413\"/><span class=\"__9 _356\">terade instrument1</span><span class=\"__9 _ba_2\"> </span>431<span class=\"__9 _381\"> </span><span class=\"ls3_8 ws6_8\">570<span class=\"__9 _356\"> </span></span>R\u00e4nterela<span class=\"__9 _413\"/>terade instrument och<span class=\"__9 _356\"> </span> valutakursf<span class=\"__9 _413\"/><span class=\"__9 _356\">\u00f6r\u00e4ndringar2</span><span class=\"__9 _bb_2\"> </span><span class=\"ls2_8 ws5_8\">248<span class=\"__9 _381\"> </span></span>478<span class=\"__9 _356\"> </span>\u00d6vriga \ufb01nansiella instrument (inklusiv<span class=\"__9 _413\"/>e krediter<span class=\"__9 _356\"> </span> och r\u00e5<span class=\"__9 _348\"/>varor)<span class=\"__9 _bc_1\"> </span>-32<span class=\"__9 _387\"> </span><span class=\"ls3_8 ws6_8\">57<span class=\"__9 _356\"> </span></span>Nordea Life &amp; P<span class=\"__9 _413\"/><span class=\"__9 _356\">ension3<span class=\"__9 _356\"> </span></span>,<span class=\"__9 _356\"> </span><span class=\"__9 _356\">4</span><span class=\"__9 _bd_2\"> </span>61<span class=\"__9 _387\"> </span><span class=\"ls11_7 ws14_8\">97<span class=\"__9 _356\"> </span></span>Summa<span class=\"__9 _350\"> </span>708<span class=\"__9 _360\"> </span>1 202<span class=\"__9 _356\"> </span>1) Inkluderar f\u00f6rl<span class=\"__9 _348\"/>uster p\u00e5 8 mn euro fr<span class=\"__9 _413\"/>\u00e5n fondinnehav i Ryssland under 2022.<span class=\"__9 _356\"> </span>2) Inkluderar f\u00f6rl<span class=\"__9 _348\"/>ust fr\u00e5n \u00f6<span class=\"__9 _348\"/>verf\u00f6ringen a<span class=\"__9 _348\"/>v 529 mn euro i ackumulerade val<span class=\"__9 _348\"/>utakursf\u00f6rlus<span class=\"__9 _413\"/>ter<span class=\"__9 _356\"> </span> avseende verksamhet i R<span class=\"__9 _348\"/>yssland under 2022.<span class=\"__9 _356\"> </span>3)  <span class=\"__9 _c_8\"/>Interna transak<span class=\"__9 _348\"/>tioner har ej eliminerats mot andr<span class=\"__9 _348\"/>a rader i noten. Raden Nordea Lif<span class=\"__9 _413\"/>e &amp;<span class=\"__9 _356\"> </span> <span class=\"__9 _356\">Pension ger s\u00e5ledes den verkliga eff</span><span class=\"__9 _413\"/>ekten fr\u00e5n livf\u00f6rs\u00e4kringsverksamheten.<span class=\"__9 _356\"> </span> 4)   <span class=\"__9 _c_8\"/>Premieint\u00e4kter uppgick till 194 mn eur<span class=\"__9 _413\"/>o (306 mn euro).<span class=\"__9 _356\"> </span>Nettoresul<span class=\"__9 _413\"/>tat fr\u00e5n ka<span class=\"__9 _348\"/>tegorier a<span class=\"__9 _413\"/>v \ufb01nansiella instrument<span class=\"__9 _356\"> </span> Mn euro<span class=\"__9 _be_2\"> </span>2022<span class=\"__9 _e_8\"> </span>2021<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade till v<span class=\"__9 _413\"/>erkligt v\u00e4rde via<span class=\"__9 _356\"> </span> \u00f6vrigt totalr<span class=\"__9 _413\"/>esultat<span class=\"__9 _356\"> </span>-1 508<span class=\"__9 _5b_1\"> </span>-331<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar redan fr\u00e5n b\u00f6rjan v<span class=\"__9 _413\"/>\u00e4rderade<span class=\"__9 _356\"> </span> till verkligt v\u00e4rde via r<span class=\"__9 _413\"/>esultatr\u00e4kningen<span class=\"__9 _420\"> </span><span class=\"ls2_8 ws5_8\">-245<span class=\"__9 _383\"> </span><span class=\"ls4_8 ws7_8\">-4<span class=\"__9 _356\"> </span></span></span>Finansiella skulder redan fr<span class=\"__9 _413\"/>\u00e5n b\u00f6rjan v\u00e4rderade till<span class=\"__9 _356\"> </span> verkligt v\u00e4rde via r<span class=\"__9 _413\"/>esultatr\u00e4kningen<span class=\"__9 _356\"> </span>11 643<span class=\"__9 _bf_2\"> </span>-5 179<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar och skulder obligatorisk<span class=\"__9 _413\"/>t<span class=\"__9 _356\"> </span> v\u00e4rderade till v<span class=\"__9 _413\"/>erkligt v\u00e4rde via resultatr<span class=\"__9 _348\"/><span class=\"__9 _356\">\u00e4kningen1</span><span class=\"__9 _353\"> </span>-<span class=\"__9 _413\"/>16 97<span class=\"__9 _a_8\"/>3<span class=\"__9 _c0_2\"> </span>6 726<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade till uppl<span class=\"__9 _413\"/>upet<span class=\"__9 _356\"> </span> anskaffningsv\u00e4r<span class=\"__9 _413\"/><span class=\"__9 _356\">de2</span><span class=\"__9 _c1_1\"> </span>-1 941<span class=\"__9 _385\"> </span>-<span class=\"__9 _a_8\"/>403<span class=\"__9 _356\"> </span>Finansiella skulder v\u00e4rder<span class=\"__9 _413\"/>ade till upplupet<span class=\"__9 _356\"> </span> anskaffningsv\u00e4r<span class=\"__9 _413\"/><span class=\"__9 _356\">de3</span><span class=\"__9 _404\"> </span>7 546<span class=\"__9 _c2_2\"> </span>1 947<span class=\"__9 _356\"> </span>V<span class=\"__9 _413\"/>alutakursf\u00f6r\u00e4ndringar<span class=\"__9 _413\"/>, exklusiv<span class=\"__9 _348\"/>e valutas\u00e4kringar<span class=\"__9 _379\"> </span>483<span class=\"__9 _362\"> </span>208<span class=\"__9 _356\"> </span><span class=\"__9 _356\">Icke finansiella tillg\u00e5ngar och skulder4</span><span class=\"__9 _c3_1\"> </span>1 703<span class=\"__9 _bf_2\"> </span><span class=\"ls3_8 ws6_8\">-1 76<span class=\"__9 _a_8\"/>2<span class=\"__9 _356\"> </span></span>Summa<span class=\"__9 _c4_1\"> </span>708<span class=\"__9 _c2_2\"> </span>1 202<span class=\"__9 _356\"> </span>1)   <span class=\"__9 _c_8\"/>Var<span class=\"__9 _348\"/>av periodiserade dag 1<span class=\"__9 _413\"/>-resultat uppg\u00e5r till 51 mn euro (54 mn euro<span class=\"__9 _348\"/>).<span class=\"__9 _356\"> </span>2)   <span class=\"__9 _c5_2\"/>Posten innef<span class=\"__9 _413\"/>attar vinster till f\u00f6ljd a<span class=\"__9 _348\"/>v bortbokning av \ufb01nansiella tillg\u00e5ngar v\u00e4rder<span class=\"__9 _348\"/>ade till<span class=\"__9 _356\"> </span> <span class=\"__9 _356\">upplupet anskaffningsv\u00e4r</span><span class=\"__9 _413\"/><span class=\"__9 _356\">de p\u00e5 mostsvarande 3 mn euro (9 mn euro) och f</span><span class=\"__9 _348\"/>\u00f6rluster p\u00e5<span class=\"__9 _356\"> </span> <span class=\"__9 _356\">motsvarande -4 mn euro (0 mn euro</span><span class=\"__9 _413\"/>). Bor<span class=\"__9 _a_8\"/>tbokningen gjordes eftersom tillg\u00e5ngarna<span class=\"__9 _356\"> </span> hade f\u00f6rutbetalts a<span class=\"__9 _413\"/>v kunden eller s\u00e5lts. Posten innef<span class=\"__9 _348\"/>attar \u00e4v<span class=\"__9 _413\"/>en f\u00f6r\u00e4ndringar i verkligt<span class=\"__9 _356\"> </span> v\u00e4rde p\u00e5 r\u00e4n<span class=\"__9 _413\"/><span class=\"__9 _356\">tes\u00e4krade tillg\u00e5ngar v\u00e4rderade till upplupet anskaffningsv</span><span class=\"__9 _413\"/>\u00e4rde p\u00e5 motsva<span class=\"__9 _356\"> </span>-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">rande -2 052 mn euro (-552 mn euro</span><span class=\"__9 _413\"/>) och r\u00e4nta p\u00e5 instrument som v\u00e4r<span class=\"__9 _348\"/>derats till upplu<span class=\"ls0_9\">-<span class=\"__9 _356\"> </span></span><span class=\"__9 _356\">pet anskaffningsv\u00e4rde i Lif</span><span class=\"__9 _413\"/><span class=\"__9 _356\">e &amp; Pension p\u00e5 motsvarande 112 mn euro (110 mn eur</span><span class=\"__9 _348\"/>o).<span class=\"__9 _356\"> </span>3)   <span class=\"__9 _c_8\"/>Posten innefa<span class=\"__9 _413\"/>ttar huvudsakligen f\u00f6r\u00e4ndringar i verkligt v\u00e4rde p\u00e5 r\u00e4n<span class=\"__9 _413\"/>tes\u00e4krade skul<span class=\"__9 _356\"> </span>-<span class=\"__9 _356\"> </span>der v\u00e4rderade till upplupet anska<span class=\"__9 _413\"/><span class=\"__9 _356\">ffningsv\u00e4rde p\u00e5 motsvarande 7 598 mn euro<span class=\"__9 _356\"> </span></span> <span class=\"__9 _356\">(1 966 mn euro).<span class=\"__9 _356\"> </span></span>4)   <span class=\"__9 _c_8\"/>Posten innefa<span class=\"__9 _413\"/>ttar huvudsakligen f\u00f6r\u00e4ndringar i f\u00f6rs\u00e4kringstekniska a<span class=\"__9 _413\"/>vs\u00e4ttningar i<span class=\"__9 _356\"> </span> Life &amp; Pension p\u00e5 mos<span class=\"__9 _413\"/>tsvarande 1 317 mn euro (-1 004 mn euro) och f<span class=\"__9 _413\"/>\u00f6r\u00e4ndring av<span class=\"__9 _356\"> </span> \u00e5terb\u00e4ringsmedel i Life &amp; P<span class=\"__9 _413\"/>ension p\u00e5 motsvarande 306 mn euro (-1 061 mn euro)<span class=\"__9 _356\"> </span>.<span class=\"__9 _356\"> </span>Int\u00e4k<span class=\"__9 _413\"/>tsredovisning livf\u00f6rs\u00e4kring<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _b8_1\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Aktierela<span class=\"__9 _413\"/>terade instrument<span class=\"__9 _c6_1\"> </span>-1 422<span class=\"__9 _1e_5\"> </span><span class=\"ls2_8 ws5_8\">1<span class=\"__9 _a_8\"/> 7<span class=\"__9 _a_8\"/>24<span class=\"__9 _356\"> </span></span>R\u00e4nterela<span class=\"__9 _413\"/>terade instrument och<span class=\"__9 _356\"> </span> valutakursf<span class=\"__9 _413\"/>\u00f6r\u00e4ndringar<span class=\"__9 _436\"> </span>-461<span class=\"__9 _367\"> </span><span class=\"ls2_8 ws5_8\">-29<span class=\"__9 _356\"> </span></span>F\u00f6rvaltningsf<span class=\"__9 _413\"/>astigheter <span class=\"__9 _4b_1\"> </span>-41<span class=\"__9 _381\"> </span>198<span class=\"__9 _356\"> </span>F\u00f6r\u00e4ndring a<span class=\"__9 _413\"/>v f\u00f6rs\u00e4kringstekniska a<span class=\"__9 _413\"/>vs\u00e4ttningar<span class=\"__9 _367\"> </span>1 562<span class=\"__9 _379\"> </span>-863<span class=\"__9 _356\"> </span>F\u00f6r\u00e4ndring a<span class=\"__9 _413\"/>v \u00e5terb\u00e4ringsmedel<span class=\"__9 _c7_1\"> </span>372<span class=\"__9 _5a_1\"> </span>-987<span class=\"__9 _356\"> </span>Int\u00e4k<span class=\"__9 _413\"/>ter f\u00f6rs\u00e4kringsrisk<span class=\"__9 _435\"> </span>80<span class=\"__9 _387\"> </span><span class=\"ls13_7 ws15_8\">73<span class=\"__9 _356\"> </span></span>Kostnader f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsrisk<span class=\"__9 _c8_2\"> </span><span class=\"ls2_8 ws5_8\">-29<span class=\"__9 _364\"> </span><span class=\"ls3_8 ws6_8\">-19<span class=\"__9 _356\"> </span></span></span>Summa<span class=\"__9 _c9_2\"> </span>61<span class=\"__9 _375\"> </span><span class=\"ls14_7 ws16_8\">97<span class=\"__9 _356\"> </span></span>Int\u00e4k<span class=\"__9 _413\"/>terna fr\u00e5n livf\u00f6rs\u00e4kringsverksamhet<span class=\"__9 _348\"/>en utg\u00f6rs huvudsakli-<span class=\"__9 _356\"> </span>gen av:<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span>kostnadsre<span class=\"__9 _348\"/>sultat<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">resulta<span class=\"__9 _413\"/>t fr\u00e5n f\u00f6rs\u00e4kringsrisk<span class=\"__9 _356\"> </span></span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">vinstdelning p\u00e5 risk<span class=\"__9 _413\"/>- och avkastningsresul<span class=\"__9 _413\"/>tat<span class=\"__9 _356\"> </span></span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">avkas<span class=\"__9 _413\"/>tning p\u00e5 ytterligare kapital i<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>livf\u00f6rs\u00e4kringsverksamheten.<span class=\"__9 _356\"> </span>Resulta<span class=\"__9 _413\"/>t fr\u00e5n dessa komponent<span class=\"__9 _413\"/>er, med undan<span class=\"__9 _413\"/>tag f\u00f6r kostnads-<span class=\"__9 _356\"> </span>resulta<span class=\"__9 _413\"/>t och vinstdelning p\u00e5 risk- och a<span class=\"__9 _413\"/>vkastningsresultat f<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _356\"> </span> fondf<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsavtal och \ufb01nansiella avt<span class=\"__9 _348\"/>al, ing\u00e5r i \u201dNettoresulta<span class=\"__9 _413\"/>t<span class=\"__9 _356\"> </span> av pos<span class=\"__9 _413\"/>ter till verkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Kostnadsr<span class=\"__9 _413\"/>esultatet utg\u00f6rs a<span class=\"__9 _348\"/>v ett av<span class=\"__9 _413\"/>giftsuttag fr\u00e5n f\u00f6rs\u00e4k<span class=\"__9 _413\"/>-<span class=\"__9 _356\"> </span>ringstagarna och ing\u00e5r i post<span class=\"__9 _413\"/>en \u201d<span class=\"__9 _413\"/>A<span class=\"__9 _413\"/>vgifts- och provisionsin<span class=\"__9 _413\"/>t\u00e4k-<span class=\"__9 _356\"> </span>ter<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _357\"/>, tillsammans med vinstdelningen p\u00e5 risk- och a<span class=\"__9 _413\"/>vkastnings-<span class=\"__9 _356\"> </span>resulta<span class=\"__9 _413\"/>t f\u00f6r fondf<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>s\u00e4kringsa<span class=\"__9 _348\"/>vtal och \ufb01nansiella avt<span class=\"__9 _413\"/>al<span class=\"__9 _a_8\"/>. Motsva<span class=\"__9 _413\"/>-<span class=\"__9 _356\"> </span>rande kos<span class=\"__9 _348\"/>tnader ing\u00e5r i posterna \u201d<span class=\"__9 _357\"/>A<span class=\"__9 _413\"/>vgifts- och<span class=\"__9 _356\"> </span> provisionskos<span class=\"__9 _413\"/>tnader<span class=\"__9 _425\"/>\u201d och \u201dR\u00f6relsek<span class=\"__9 _348\"/>ostnader<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _357\"/>. F\u00f6rs\u00e4kringstaga-<span class=\"__9 _356\"> </span>rens andel a<span class=\"__9 _413\"/>v ett positivt eller negativt kostnadsresulta<span class=\"__9 _413\"/>t (vinst-<span class=\"__9 _356\"> </span>delning) ing\u00e5r i posten \u201dF<span class=\"__9 _413\"/>\u00f6r\u00e4ndring av f<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>s\u00e4kringstekniska<span class=\"__9 _356\"> </span> avs\u00e4<span class=\"__9 _413\"/>ttningar<span class=\"__9 _425\"/>\u201d i tabellen ovan.<span class=\"__9 _356\"> </span>Resulta<span class=\"__9 _413\"/>tet av f<span class=\"__9 _348\"/>\u00f6rs\u00e4kringsrisker utg\u00f6rs av in<span class=\"__9 _413\"/>t\u00e4kter fr<span class=\"__9 _413\"/>\u00e5n enskil-<span class=\"__9 _356\"> </span>da riskprodukt<span class=\"__9 _413\"/>er och fr\u00e5n f\u00f6rs\u00e4kringsdelen i enskilda livf\u00f6rs\u00e4k<span class=\"__9 _413\"/>-<span class=\"__9 _356\"> </span>ringsavtal <span class=\"__9 _348\"/>samt sjuk<span class=\"__9 _413\"/>- och olycksfallsf<span class=\"__9 _413\"/>\u00f6rs\u00e4kringar. Riskpr<span class=\"__9 _413\"/>emierna<span class=\"__9 _356\"> </span> f\u00f6r<span class=\"__9 _348\"/>delas \u00f6ver f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsperioden och avs\u00e4ttningarna minskar i<span class=\"__9 _356\"> </span> takt med a<span class=\"__9 _413\"/>tt f\u00f6rs\u00e4kringsrisken avtar<span class=\"__9 _357\"/>. En stor del av riskr<span class=\"__9 _413\"/>esulta-<span class=\"__9 _356\"> </span>tet fr\u00e5n tr<span class=\"__9 _413\"/>aditionella liv<span class=\"__9 _a_8\"/>f\u00f6rs\u00e4kringsa<span class=\"__9 _413\"/>vtal omfa<span class=\"__9 _348\"/>ttas a<span class=\"__9 _348\"/>v vinstdel-<span class=\"__9 _356\"> </span>ning, vilket inneb\u00e4r att f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringstagarna erh\u00e5ller en del av<span class=\"__9 _356\"> </span> nettoint\u00e4k<span class=\"__9 _413\"/>terna eller nettounderskottet. Riskint\u00e4k<span class=\"__9 _413\"/>terna och<span class=\"__9 _356\"> </span> riskkostnaderna bruttor<span class=\"__9 _413\"/>edovisas under posterna \u201dInt\u00e4k<span class=\"__9 _413\"/>ter f\u00f6r-<span class=\"__9 _356\"> </span>s\u00e4kringsrisk\u201d och \u201dKostnader f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsrisk\u201d i tabellen. F\u00f6r-<span class=\"__9 _356\"> </span>s\u00e4kringstagarnas andel a<span class=\"__9 _413\"/>v resultatet redo<span class=\"__9 _413\"/>visas under posten<span class=\"__9 _356\"> </span> \u201dF\u00f6r<span class=\"__9 _413\"/>\u00e4ndring av f\u00f6rs\u00e4kringst<span class=\"__9 _348\"/>ekniska avs\u00e4<span class=\"__9 _413\"/>ttningar<span class=\"__9 _425\"/>\u201d i samma<span class=\"__9 _356\"> </span> tabell.<span class=\"__9 _356\"> </span>Vinster och f<span class=\"__9 _413\"/>\u00f6rluster fr\u00e5n plac<span class=\"__9 _348\"/>eringar inom Life &amp; P<span class=\"__9 _413\"/>ension<span class=\"__9 _356\"> </span> f\u00f6r<span class=\"__9 _348\"/>delas p\u00e5 respek<span class=\"__9 _348\"/>tive post i tabellen, pr<span class=\"__9 _413\"/>ecis som andra place-<span class=\"__9 _356\"> </span>ringar i Nordea. Pos<span class=\"__9 _413\"/>terna omfatt<span class=\"__9 _348\"/>ar avk<span class=\"__9 _348\"/>astning p\u00e5 tillg\u00e5ngar<span class=\"__9 _356\"> </span> som ska t\u00e4cka skulder till f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringstagarna och avkas<span class=\"__9 _348\"/>tning<span class=\"__9 _356\"> </span> p\u00e5 ytterligare kapital som allok<span class=\"__9 _413\"/>erats till Life &amp; P<span class=\"__9 _413\"/>ension (eget<span class=\"__9 _356\"> </span> kapital i Life &amp; P<span class=\"__9 _413\"/>ension).<span class=\"__9 _356\"> </span>Post<span class=\"__9 _413\"/>en \u201dF\u00f6r\u00e4ndring a<span class=\"__9 _413\"/>v f\u00f6rs\u00e4kringstekniska a<span class=\"__9 _348\"/>vs\u00e4ttningar<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _356\"> </span> innefa<span class=\"__9 _413\"/>ttar:<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">A<span class=\"__9 _413\"/>vkastning p\u00e5 tillg\u00e5ngar som h\u00e5lls f\u00f6r att t\u00e4ck<span class=\"__9 _348\"/>a skulder till<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>f\u00f6rs\u00e4kringstagarna (inkl<span class=\"__9 _413\"/>usive skulder fr\u00e5n traditionella<span class=\"__9 _356\"> </span> livf\u00f6rs\u00e4kringsavt<span class=\"__9 _413\"/>al<span class=\"__9 _a_8\"/>, fondf<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsavtal och \ufb01nansiella avtal),<span class=\"__9 _356\"> </span> som \u00f6verf<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>s individuellt till f<span class=\"__9 _348\"/>\u00f6rs\u00e4kringstagarnas kon<span class=\"__9 _413\"/>ton i<span class=\"__9 _a_8\"/> enlighet med deras a<span class=\"__9 _413\"/>vtal<span class=\"__9 _a_8\"/>.<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">Ytterligare \u00e5terb\u00e4ring (<span class=\"__9 _348\"/>diskretion\u00e4r del) till f<span class=\"__9 _348\"/>\u00f6rs\u00e4kringstagarna<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>avseende tr<span class=\"__9 _413\"/>aditionella liv<span class=\"__9 _a_8\"/>f\u00f6rs\u00e4kringsa<span class=\"__9 _413\"/>vtal eller andra \u00f6verf<span class=\"__9 _348\"/>\u00f6rin<span class=\"ls0_9 ws0_9\">-<span class=\"__9 _356\"> </span></span>gar till f\u00f6rs\u00e4kringstagarna f<span class=\"__9 _413\"/>\u00f6r att t\u00e4cka tillf\u00e4lliga undersko<span class=\"__9 _413\"/>tt<span class=\"__9 _a_8\"/> mellan placeringsresult<span class=\"__9 _348\"/>at och even<span class=\"__9 _413\"/>tuell avtalad minimif<span class=\"__9 _413\"/>\u00f6rm\u00e5n.<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">Vinstdelning p\u00e5 risk- och a<span class=\"__9 _413\"/>vkastningsresulta<span class=\"__9 _413\"/>t f\u00f6r traditionella<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>livf\u00f6rs\u00e4kringsproduk<span class=\"__9 _413\"/>ter i enlighet med lokala f\u00f6rdelningsregler<span class=\"__9 _356\"> </span> i respek<span class=\"__9 _348\"/>tive Lif<span class=\"__9 _413\"/>e &amp; Pension-enhet och g\u00e4llande avtal med<span class=\"__9 _356\"> </span> f\u00f6rs\u00e4kringstagarna. R<span class=\"__9 _413\"/>edovisningen av vinst<span class=\"__9 _413\"/>delningen i<span class=\"__9 _356\"> </span><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 lsa_8 ws4_8\" style=\"left:12.908623px; bottom:192.11401px;\"> <span class=\"__9 _c_8\"/>result<span class=\"__9 _348\"/>atr\u00e4kningen f<span class=\"__9 _413\"/>\u00f6ruts\u00e4tter fram<span class=\"__9 _413\"/>f\u00f6r allt ett positivt result<span class=\"__9 _348\"/>at f<span class=\"__9 _413\"/>\u00f6<span class=\"__9 _356\"> </span>r<span class=\"__9 _a_8\"/> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 lsa_8 ws4_8\" style=\"left:12.908623px; bottom:178.58887px;\">traditionella livf\u00f6rs\u00e4kringsa<span class=\"__9 _413\"/>vtal. Vinstdelning som inte kan<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 lsa_8 ws4_8\" style=\"left:12.908623px; bottom:165.06366px;\">redovisas under innev<span class=\"__9 _413\"/>arande period till f\u00f6ljd a<span class=\"__9 _413\"/>v svaga placerin<span class=\"ls0_9 ws0_9\">-<span class=\"__9 _356\"> </span></span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 lsa_8 ws4_8\" style=\"left:12.908623px; bottom:151.53845px;\">gsresulta<span class=\"__9 _413\"/>t kan i vissa l\u00e4nder senarel\u00e4ggas, helt eller delvis, till \u00e5<span class=\"__9 _356\"> </span>r </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 lsa_8 ws4_8\" style=\"left:12.908623px; bottom:138.01324px;\">med h\u00f6gre a<span class=\"__9 _413\"/>vkastning.<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 lsa_8 ws18_7\" style=\"left:0.013267517px; bottom:124.48804px;\">\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">F\u00f6rs\u00e4kringstagarnas andel a<span class=\"__9 _413\"/>v kostnads- och riskresulta<span class=\"__9 _348\"/>tet f<span class=\"__9 _348\"/>\u00f6r<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 lsa_8 ws4_8\" style=\"left:12.908623px; bottom:110.96283px;\">traditionella livf\u00f6rs\u00e4kringsa<span class=\"__9 _413\"/>vtal eller fondf\u00f6rs\u00e4kringsa<span class=\"__9 _413\"/>vtal.<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:83.90137px;\">Post<span class=\"__9 _413\"/>en \u201dF\u00f6r\u00e4ndring a<span class=\"__9 _413\"/>v \u00e5terb\u00e4ringsmedel\u201d i tabellen ovan a<span class=\"__9 _413\"/>vse<span class=\"__9 _356\"> </span>r </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:70.37622px;\">endast traditionella livf<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>s\u00e4kringsavt<span class=\"__9 _348\"/>al. Posten om<span class=\"__9 _413\"/>fattar f<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>s\u00e4k<span class=\"__9 _356\"> </span>-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:56.851013px;\">ringstagarnas andel a<span class=\"__9 _413\"/>v avkastning som \u00e4nnu in<span class=\"__9 _413\"/>te har f\u00f6rdelats<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:43.325806px;\">till individuella f\u00f6rs\u00e4kringstagar<span class=\"__9 _413\"/>e. \u00c4<span class=\"__9 _413\"/>ven \u00e5terb\u00e4ringsmedel ing\u00e5<span class=\"__9 _356\"> </span>r </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:29.800598px;\">(diskretion\u00e4r del), liksom belopp s<span class=\"__9 _348\"/>om beh\u00f6vs f<span class=\"__9 _348\"/>\u00f6r att t\u00e4cka till-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:16.27539px;\">f\u00e4lliga undersko<span class=\"__9 _348\"/>tt mellan placeringsresult<span class=\"__9 _348\"/>at och even<span class=\"__9 _413\"/>tuell mini<span class=\"__9 _356\"> </span>-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:2.750183px;\">mif\u00f6rm\u00e5n till f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringstagarna.<span class=\"__9 _356\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-562": {
   "value": "K2.2 R\u00e4ntenetto<span class=\"__9 _356\"> </span>Redovisningsprinciper R\u00e4nta utg\u00f6rs a<span class=\"__9 _413\"/>v ers\u00e4ttning f\u00f6r pengars tidsv\u00e4rde plus en mar-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">ginal. Effek</span><span class=\"__9 _413\"/>tivr\u00e4ntan motsv<span class=\"__9 _413\"/>arar den r\u00e4nta som an<span class=\"__9 _413\"/>v\u00e4nds f\u00f6r att diskont<span class=\"__9 _413\"/>era f\u00f6rv\u00e4ntade f<span class=\"__9 _413\"/>ramtida kassafl\u00f6den till redo<span class=\"__9 _413\"/>visat v\u00e4rde p\u00e5 den \ufb01nansiella tillg\u00e5ngen eller sk<span class=\"__9 _413\"/>ulden vid f\u00f6rsta redovisnings<span class=\"__9 _348\"/>tillf\u00e4llet.<span class=\"__9 _356\"> </span>R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter och r\u00e4n<span class=\"__9 _413\"/>tekostnader ber\u00e4knas och redo<span class=\"__9 _413\"/>visas <span class=\"__9 _356\">med effek</span><span class=\"__9 _413\"/>tivr\u00e4ntemetoden eller<span class=\"__9 _357\"/>, om s\u00e5 anses l\u00e4mpligt, med en metod som ger en rimlig uppskattning a<span class=\"__9 _413\"/>v vad en ber\u00e4k<span class=\"__9 _413\"/>-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">ning grundad p\u00e5 effek</span><span class=\"__9 _413\"/>tivr\u00e4ntemetoden sk<span class=\"__9 _413\"/><span class=\"__9 _356\">ulle ge. Effektivr</span><span class=\"__9 _413\"/>\u00e4n-<span class=\"__9 _356\"> </span>tan innefa<span class=\"__9 _413\"/>ttar avgifter som anse<span class=\"__9 _348\"/><span class=\"__9 _356\">s ing\u00e5 i effek</span><span class=\"__9 _413\"/>tivr\u00e4ntan f<span class=\"__9 _413\"/>\u00f6r ett \ufb01nansiellt instrumen<span class=\"__9 _413\"/>t (vanligen avgifter erh\u00e5llna s<span class=\"__9 _413\"/>om kom-<span class=\"__9 _356\"> </span>pensation f<span class=\"__9 _413\"/>\u00f6r risk). R\u00e4nteint\u00e4k<span class=\"__9 _413\"/>ter och r\u00e4ntekos<span class=\"__9 _413\"/>tnader fr\u00e5n \ufb01nansiella instrument klassi\ufb01c<span class=\"__9 _413\"/>eras, med nedanst\u00e5ende undantag, som \u201dR\u00e4n<span class=\"__9 _413\"/>tenetto\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter och r\u00e4n<span class=\"__9 _413\"/>tekostnader h\u00e4nf<span class=\"__9 _413\"/>\u00f6rliga till balanspos-<span class=\"__9 _356\"> </span>ter redovisade till v<span class=\"__9 _413\"/>erkligt v\u00e4rde inom Markets och Life &amp; P<span class=\"__9 _413\"/>en-<span class=\"__9 _356\"> </span>sion klassi\ufb01ceras i re<span class=\"__9 _348\"/>sultatr<span class=\"__9 _413\"/>\u00e4kningen som \u201dNettoresultat a<span class=\"__9 _413\"/>v poster till verkligt v<span class=\"__9 _413\"/>\u00e4rde\u201d<span class=\"__9 _413\"/>. \u00c4<span class=\"__9 _413\"/>ven r\u00e4n<span class=\"__9 _413\"/>tan h\u00e4nf\u00f6rlig till netto<span class=\"__9 _413\"/>\ufb01-<span class=\"__9 _356\"> </span>nansieringen av v<span class=\"__9 _413\"/>erksamheten inom Markets och Life &amp; Pen-<span class=\"__9 _356\"> </span>sion (samt en portf\u00f6lj med r<span class=\"__9 _413\"/>\u00e4nteb\u00e4rande v\u00e4r<span class=\"__9 _413\"/>depapper i Life &amp; Pension) v\u00e4r<span class=\"__9 _413\"/><span class=\"__9 _356\">derad till upplupet anskaffningsv\u00e4r</span><span class=\"__9 _413\"/>de redovisas under \u201dNettoresult<span class=\"__9 _348\"/>at a<span class=\"__9 _413\"/>v poster till verkligt v\u00e4rde\u201d f<span class=\"__9 _413\"/>\u00f6r att s\u00e4kerst\u00e4lla att in<span class=\"__9 _413\"/>t\u00e4kter och kos<span class=\"__9 _348\"/>tnader i dessa verksamheter redovisas p\u00e5 ett kons<span class=\"__9 _348\"/>ekvent s\u00e4<span class=\"__9 _413\"/>tt<span class=\"__9 _a_8\"/>. Se not K2.4 \u201dSumma netto-<span class=\"__9 _356\"> </span>resulta<span class=\"__9 _413\"/>t av poster till verkligt v<span class=\"__9 _413\"/>\u00e4rde\u201d<span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>R\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat klassi\ufb01cer<span class=\"__9 _413\"/>as som \u201dNettoresul-<span class=\"__9 _356\"> </span>tat a<span class=\"__9 _413\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>, med undantag f<span class=\"__9 _413\"/>\u00f6r derivat som innehas f\u00f6r s\u00e4kringssyfte. I r<span class=\"__9 _348\"/>edovisningss\u00e4kringar klas-<span class=\"__9 _356\"> </span>si\ufb01ceras r<span class=\"__9 _348\"/>\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat som \u201dR\u00e4n<span class=\"__9 _413\"/>teint\u00e4kt<span class=\"__9 _413\"/>er fr\u00e5n anv\u00e4ndande a<span class=\"__9 _413\"/><span class=\"__9 _356\">v effektivr</span><span class=\"__9 _413\"/>\u00e4ntemetoden\u201d om deriva<span class=\"__9 _413\"/>tet anv\u00e4nds f\u00f6r a<span class=\"__9 _413\"/>tt risks\u00e4kra en tillg\u00e5ng och som \u201dR\u00e4ntekos<span class=\"__9 _348\"/>tnader<span class=\"__9 _a_8\"/>\u201d om derivat<span class=\"__9 _348\"/>et anv\u00e4nds f<span class=\"__9 _413\"/>\u00f6r att risks\u00e4kra en skuld. I ekonomiska s\u00e4kringar klassi\ufb01ceras r<span class=\"__9 _348\"/>\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat som \u201d\u00d6vri-<span class=\"__9 _356\"> </span>ga r\u00e4n<span class=\"__9 _348\"/>teint\u00e4k<span class=\"__9 _413\"/>ter<span class=\"__9 _a_8\"/>\u201d om derivatet anv<span class=\"__9 _413\"/>\u00e4nds f\u00f6r att risks\u00e4kra en tillg\u00e5ng och som \u201dR\u00e4nt<span class=\"__9 _348\"/>ekostnader<span class=\"__9 _a_8\"/>\u201d om deriva<span class=\"__9 _348\"/>tet anv\u00e4nds f<span class=\"__9 _413\"/>\u00f6r att risks\u00e4kra en sk<span class=\"__9 _413\"/>uld<span class=\"__9 _356\"> </span>.<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vkastningen p\u00e5 \ufb01nansiella tillg\u00e5ngar redovisas p\u00e5 tre rader i resul<span class=\"__9 _348\"/>tatr\u00e4kningen: \u201dR\u00e4n<span class=\"__9 _413\"/>teint\u00e4k<span class=\"__9 _413\"/>ter fr\u00e5n anv\u00e4ndande a<span class=\"__9 _413\"/>v <span class=\"__9 _356\">effek</span><span class=\"__9 _413\"/>tivr\u00e4ntemetoden\u201d<span class=\"__9 _357\"/>, \u201d\u00d6vriga r\u00e4n<span class=\"__9 _348\"/>teint<span class=\"__9 _348\"/>\u00e4kter\u201d och \u201dNegativ avkas<span class=\"__9 _413\"/>tning p\u00e5 \ufb01nansiella tillg\u00e5ngar<span class=\"__9 _425\"/>\u201d<span class=\"__9 _357\"/>. Under posten \u201dR\u00e4ntein-<span class=\"__9 _356\"> </span>t\u00e4kt<span class=\"__9 _348\"/>er fr\u00e5n an<span class=\"__9 _348\"/>v\u00e4ndande a<span class=\"__9 _413\"/><span class=\"__9 _356\">v effektivr</span><span class=\"__9 _413\"/>\u00e4ntemetoden\u201d redovisar Nordea r\u00e4n<span class=\"__9 _413\"/>teint\u00e4kt<span class=\"__9 _413\"/>er fr\u00e5n \ufb01nansiella tillg\u00e5ngar v\u00e4rderade till <span class=\"__9 _356\">upplupet anskaffningsv</span><span class=\"__9 _413\"/>\u00e4rde eller till verkligt v\u00e4rde via \u00f6vrigt totalr<span class=\"__9 _348\"/>esultat. Resul<span class=\"__9 _348\"/>tatr\u00e4kningspos<span class=\"__9 _413\"/>ten \u201d\u00d6vriga r\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter<span class=\"__9 _a_8\"/>\u201d innefa<span class=\"__9 _413\"/>ttar r\u00e4ntein<span class=\"__9 _348\"/>t\u00e4kt<span class=\"__9 _348\"/>er fr\u00e5n e<span class=\"__9 _413\"/>xempelvis l\u00e5n v\u00e4r<span class=\"__9 _413\"/>derade till verkligt v\u00e4r<span class=\"__9 _348\"/>de via resulta<span class=\"__9 _413\"/>tr\u00e4kningen eftersom de inte uppfyl<span class=\"__9 _348\"/>-<span class=\"__9 _356\"> </span>ler SPPI-kriteriet (som anger att kassa<span class=\"__9 _413\"/>fl\u00f6det enbar<span class=\"__9 _a_8\"/>t ska utg\u00f6-<span class=\"__9 _356\"> </span>ras a<span class=\"__9 _413\"/>v betalning av kapitalbelopp och r\u00e4n<span class=\"__9 _413\"/>ta). Negativ avkas<span class=\"__9 _413\"/>t-<span class=\"__9 _356\"> </span>ning p\u00e5 \ufb01nansiella tillg\u00e5ngar och skulder redo<span class=\"__9 _348\"/>visas under \u201dNegativ a<span class=\"__9 _413\"/>vkastning p\u00e5 \ufb01nansiella tillg\u00e5ngar<span class=\"__9 _a_8\"/>\u201d respektive \u201dNegativ a<span class=\"__9 _413\"/>vkastning p\u00e5 \ufb01nansiella skulder<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _356\"> </span><span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>K3.<span class=\"__11 _625\"/>17  Efterst\u00e4llda skulder<span class=\"__11 _624\"> </span> Redovisningsprinciper<span class=\"__11 _624\"> </span>Efterst\u00e4llda sk<span class=\"__11 _617\"/>ulder \u00e4r \ufb01nansiella skulder f<span class=\"__11 _617\"/>\u00f6r vilka det fr<span class=\"__11 _617\"/>am-<span class=\"__11 _624\"> </span>g\u00e5r av a<span class=\"__11 _617\"/>vtalet a<span class=\"__11 _617\"/>tt de i h\u00e4ndelse a<span class=\"__11 _617\"/>v likvidation eller konk<span class=\"__11 _617\"/>urs<span class=\"__11 _624\"> </span> inte \u00e5<span class=\"__11 _617\"/>terbetalas f<span class=\"__11 _617\"/>\u00f6rr\u00e4n sam<span class=\"__11 _617\"/>tliga \u00e5taganden gen<span class=\"__11 _617\"/>temot andr<span class=\"__11 _617\"/>a<span class=\"__11 _624\"> </span> for<span class=\"__11 _617\"/>drings\u00e4gare har fullgjorts.<span class=\"__11 _624\"> </span> F\u00f6r ytt<span class=\"__11 _617\"/>erligare redovisningsprinciper<span class=\"__11 _625\"/>, se not K3.<span class=\"__11 _625\"/>1 \u201dRedo-<span class=\"__11 _624\"> </span>visning och bortbokning i balansr\u00e4kningen\u201d och not K3.3<span class=\"__11 _624\"> </span> \u201dKlassi\ufb01cering och v\u00e4rdering\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span> F\u00f6r en s\u00e4kr<span class=\"__11 _617\"/>ad post i en s\u00e4kring a<span class=\"__11 _617\"/>v verkligt v<span class=\"__11 _617\"/>\u00e4rde p\u00e5 mikro-<span class=\"__11 _624\"> </span>niv\u00e5, v\u00e4r<span class=\"__11 _617\"/>deras den s\u00e4krade risk<span class=\"__11 _617\"/>en till verkligt v\u00e4r<span class=\"__11 _617\"/>de och redo<span class=\"__11 _624\"> </span>-<span class=\"__11 _624\"> </span>visas p\u00e5 raden \u201dF<span class=\"__11 _617\"/>\u00f6r\u00e4ndringar a<span class=\"__11 _617\"/>v verkligt v<span class=\"__11 _617\"/>\u00e4rde f<span class=\"__11 _617\"/>\u00f6r mikros\u00e4k<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>ringar av r<span class=\"__11 _617\"/>\u00e4nt<span class=\"__11 _617\"/>erisk\u201d i tabellen nedan (f\u00f6r ytt<span class=\"__11 _617\"/>erligare inf<span class=\"__11 _617\"/>orma<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>tion, se not K3.6 \u201dS\u00e4kringsredo<span class=\"__11 _617\"/>visning\u201d). F\u00f6r mer in<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>ormation<span class=\"__11 _624\"> </span> om de kritiska bed\u00f6mningar som kr\u00e4<span class=\"__11 _617\"/>vs f<span class=\"__11 _617\"/>\u00f6r att bed\u00f6ma om e<span class=\"__11 _624\"> </span>n<span class=\"__11 _624\"> </span> efterst\u00e4lld skuld sk<span class=\"__11 _617\"/>a klassi\ufb01ceras som en sk<span class=\"__11 _617\"/>uld eller som ege<span class=\"__11 _624\"> </span>t<span class=\"__11 _624\"> </span> kapital, se not K3.3 \u201dKlassi\ufb01cering och v<span class=\"__11 _617\"/>\u00e4rdering\u201d<span class=\"__11 _624\"> </span><span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinanceIncomeAndCostsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-563": {
   "value": "K2.2 R\u00e4ntenetto<span class=\"__9 _356\"> </span>Redovisningsprinciper R\u00e4nta utg\u00f6rs a<span class=\"__9 _413\"/>v ers\u00e4ttning f\u00f6r pengars tidsv\u00e4rde plus en mar-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">ginal. Effek</span><span class=\"__9 _413\"/>tivr\u00e4ntan motsv<span class=\"__9 _413\"/>arar den r\u00e4nta som an<span class=\"__9 _413\"/>v\u00e4nds f\u00f6r att diskont<span class=\"__9 _413\"/>era f\u00f6rv\u00e4ntade f<span class=\"__9 _413\"/>ramtida kassafl\u00f6den till redo<span class=\"__9 _413\"/>visat v\u00e4rde p\u00e5 den \ufb01nansiella tillg\u00e5ngen eller sk<span class=\"__9 _413\"/>ulden vid f\u00f6rsta redovisnings<span class=\"__9 _348\"/>tillf\u00e4llet.<span class=\"__9 _356\"> </span>R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter och r\u00e4n<span class=\"__9 _413\"/>tekostnader ber\u00e4knas och redo<span class=\"__9 _413\"/>visas <span class=\"__9 _356\">med effek</span><span class=\"__9 _413\"/>tivr\u00e4ntemetoden eller<span class=\"__9 _357\"/>, om s\u00e5 anses l\u00e4mpligt, med en metod som ger en rimlig uppskattning a<span class=\"__9 _413\"/>v vad en ber\u00e4k<span class=\"__9 _413\"/>-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">ning grundad p\u00e5 effek</span><span class=\"__9 _413\"/>tivr\u00e4ntemetoden sk<span class=\"__9 _413\"/><span class=\"__9 _356\">ulle ge. Effektivr</span><span class=\"__9 _413\"/>\u00e4n-<span class=\"__9 _356\"> </span>tan innefa<span class=\"__9 _413\"/>ttar avgifter som anse<span class=\"__9 _348\"/><span class=\"__9 _356\">s ing\u00e5 i effek</span><span class=\"__9 _413\"/>tivr\u00e4ntan f<span class=\"__9 _413\"/>\u00f6r ett \ufb01nansiellt instrumen<span class=\"__9 _413\"/>t (vanligen avgifter erh\u00e5llna s<span class=\"__9 _413\"/>om kom-<span class=\"__9 _356\"> </span>pensation f<span class=\"__9 _413\"/>\u00f6r risk). R\u00e4nteint\u00e4k<span class=\"__9 _413\"/>ter och r\u00e4ntekos<span class=\"__9 _413\"/>tnader fr\u00e5n \ufb01nansiella instrument klassi\ufb01c<span class=\"__9 _413\"/>eras, med nedanst\u00e5ende undantag, som \u201dR\u00e4n<span class=\"__9 _413\"/>tenetto\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter och r\u00e4n<span class=\"__9 _413\"/>tekostnader h\u00e4nf<span class=\"__9 _413\"/>\u00f6rliga till balanspos-<span class=\"__9 _356\"> </span>ter redovisade till v<span class=\"__9 _413\"/>erkligt v\u00e4rde inom Markets och Life &amp; P<span class=\"__9 _413\"/>en-<span class=\"__9 _356\"> </span>sion klassi\ufb01ceras i re<span class=\"__9 _348\"/>sultatr<span class=\"__9 _413\"/>\u00e4kningen som \u201dNettoresultat a<span class=\"__9 _413\"/>v poster till verkligt v<span class=\"__9 _413\"/>\u00e4rde\u201d<span class=\"__9 _413\"/>. \u00c4<span class=\"__9 _413\"/>ven r\u00e4n<span class=\"__9 _413\"/>tan h\u00e4nf\u00f6rlig till netto<span class=\"__9 _413\"/>\ufb01-<span class=\"__9 _356\"> </span>nansieringen av v<span class=\"__9 _413\"/>erksamheten inom Markets och Life &amp; Pen-<span class=\"__9 _356\"> </span>sion (samt en portf\u00f6lj med r<span class=\"__9 _413\"/>\u00e4nteb\u00e4rande v\u00e4r<span class=\"__9 _413\"/>depapper i Life &amp; Pension) v\u00e4r<span class=\"__9 _413\"/><span class=\"__9 _356\">derad till upplupet anskaffningsv\u00e4r</span><span class=\"__9 _413\"/>de redovisas under \u201dNettoresult<span class=\"__9 _348\"/>at a<span class=\"__9 _413\"/>v poster till verkligt v\u00e4rde\u201d f<span class=\"__9 _413\"/>\u00f6r att s\u00e4kerst\u00e4lla att in<span class=\"__9 _413\"/>t\u00e4kter och kos<span class=\"__9 _348\"/>tnader i dessa verksamheter redovisas p\u00e5 ett kons<span class=\"__9 _348\"/>ekvent s\u00e4<span class=\"__9 _413\"/>tt<span class=\"__9 _a_8\"/>. Se not K2.4 \u201dSumma netto-<span class=\"__9 _356\"> </span>resulta<span class=\"__9 _413\"/>t av poster till verkligt v<span class=\"__9 _413\"/>\u00e4rde\u201d<span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>R\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat klassi\ufb01cer<span class=\"__9 _413\"/>as som \u201dNettoresul-<span class=\"__9 _356\"> </span>tat a<span class=\"__9 _413\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>, med undantag f<span class=\"__9 _413\"/>\u00f6r derivat som innehas f\u00f6r s\u00e4kringssyfte. I r<span class=\"__9 _348\"/>edovisningss\u00e4kringar klas-<span class=\"__9 _356\"> </span>si\ufb01ceras r<span class=\"__9 _348\"/>\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat som \u201dR\u00e4n<span class=\"__9 _413\"/>teint\u00e4kt<span class=\"__9 _413\"/>er fr\u00e5n anv\u00e4ndande a<span class=\"__9 _413\"/><span class=\"__9 _356\">v effektivr</span><span class=\"__9 _413\"/>\u00e4ntemetoden\u201d om deriva<span class=\"__9 _413\"/>tet anv\u00e4nds f\u00f6r a<span class=\"__9 _413\"/>tt risks\u00e4kra en tillg\u00e5ng och som \u201dR\u00e4ntekos<span class=\"__9 _348\"/>tnader<span class=\"__9 _a_8\"/>\u201d om derivat<span class=\"__9 _348\"/>et anv\u00e4nds f<span class=\"__9 _413\"/>\u00f6r att risks\u00e4kra en skuld. I ekonomiska s\u00e4kringar klassi\ufb01ceras r<span class=\"__9 _348\"/>\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat som \u201d\u00d6vri-<span class=\"__9 _356\"> </span>ga r\u00e4n<span class=\"__9 _348\"/>teint\u00e4k<span class=\"__9 _413\"/>ter<span class=\"__9 _a_8\"/>\u201d om derivatet anv<span class=\"__9 _413\"/>\u00e4nds f\u00f6r att risks\u00e4kra en tillg\u00e5ng och som \u201dR\u00e4nt<span class=\"__9 _348\"/>ekostnader<span class=\"__9 _a_8\"/>\u201d om deriva<span class=\"__9 _348\"/>tet anv\u00e4nds f<span class=\"__9 _413\"/>\u00f6r att risks\u00e4kra en sk<span class=\"__9 _413\"/>uld<span class=\"__9 _356\"> </span>.<span class=\"__9 _356\"> </span><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:12.908623px; bottom:192.11597px;\">A<span class=\"__9 _413\"/>vkastningen p\u00e5 \ufb01nansiella tillg\u00e5ngar redovisas p\u00e5 tre </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:178.59076px;\">rader i resul<span class=\"__9 _348\"/>tatr\u00e4kningen: \u201dR\u00e4n<span class=\"__9 _413\"/>teint\u00e4k<span class=\"__9 _413\"/>ter fr\u00e5n anv\u00e4ndande a<span class=\"__9 _413\"/>v </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:165.06561px;\"><span class=\"__9 _356\">effek</span><span class=\"__9 _413\"/>tivr\u00e4ntemetoden\u201d<span class=\"__9 _357\"/>, \u201d\u00d6vriga r\u00e4n<span class=\"__9 _348\"/>teint<span class=\"__9 _348\"/>\u00e4kter\u201d och \u201dNegativ </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:151.5404px;\">avkas<span class=\"__9 _413\"/>tning p\u00e5 \ufb01nansiella tillg\u00e5ngar<span class=\"__9 _425\"/>\u201d<span class=\"__9 _357\"/>. Under posten \u201dR\u00e4ntein-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:138.0152px;\">t\u00e4kt<span class=\"__9 _348\"/>er fr\u00e5n an<span class=\"__9 _348\"/>v\u00e4ndande a<span class=\"__9 _413\"/><span class=\"__9 _356\">v effektivr</span><span class=\"__9 _413\"/>\u00e4ntemetoden\u201d redovisar </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:124.48999px;\">Nordea r\u00e4n<span class=\"__9 _413\"/>teint\u00e4kt<span class=\"__9 _413\"/>er fr\u00e5n \ufb01nansiella tillg\u00e5ngar v\u00e4rderade till </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:110.96478px;\"><span class=\"__9 _356\">upplupet anskaffningsv</span><span class=\"__9 _413\"/>\u00e4rde eller till verkligt v\u00e4rde via \u00f6vrigt </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:97.439575px;\">totalr<span class=\"__9 _348\"/>esultat. Resul<span class=\"__9 _348\"/>tatr\u00e4kningspos<span class=\"__9 _413\"/>ten \u201d\u00d6vriga r\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter<span class=\"__9 _a_8\"/>\u201d </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:83.91437px;\">innefa<span class=\"__9 _413\"/>ttar r\u00e4ntein<span class=\"__9 _348\"/>t\u00e4kt<span class=\"__9 _348\"/>er fr\u00e5n e<span class=\"__9 _413\"/>xempelvis l\u00e5n v\u00e4r<span class=\"__9 _413\"/>derade till </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:70.38916px;\">verkligt v\u00e4r<span class=\"__9 _348\"/>de via resulta<span class=\"__9 _413\"/>tr\u00e4kningen eftersom de inte uppfyl<span class=\"__9 _348\"/>-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:56.864014px;\">ler SPPI-kriteriet (som anger att kassa<span class=\"__9 _413\"/>fl\u00f6det enbar<span class=\"__9 _a_8\"/>t ska utg\u00f6-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:43.338806px;\">ras a<span class=\"__9 _413\"/>v betalning av kapitalbelopp och r\u00e4n<span class=\"__9 _413\"/>ta). Negativ avkas<span class=\"__9 _413\"/>t-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:29.813599px;\">ning p\u00e5 \ufb01nansiella tillg\u00e5ngar och skulder redo<span class=\"__9 _348\"/>visas under </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:16.288391px;\">\u201dNegativ a<span class=\"__9 _413\"/>vkastning p\u00e5 \ufb01nansiella tillg\u00e5ngar<span class=\"__9 _a_8\"/>\u201d respektive </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:2.7631836px;\">\u201dNegativ a<span class=\"__9 _413\"/>vkastning p\u00e5 \ufb01nansiella skulder<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _356\"> </span><span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInterestIncomeAndExpenseExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-564": {
   "value": "K2.2 R\u00e4ntenetto<span class=\"__9 _356\"> </span>Redovisningsprinciper R\u00e4nta utg\u00f6rs a<span class=\"__9 _413\"/>v ers\u00e4ttning f\u00f6r pengars tidsv\u00e4rde plus en mar-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">ginal. Effek</span><span class=\"__9 _413\"/>tivr\u00e4ntan motsv<span class=\"__9 _413\"/>arar den r\u00e4nta som an<span class=\"__9 _413\"/>v\u00e4nds f\u00f6r att diskont<span class=\"__9 _413\"/>era f\u00f6rv\u00e4ntade f<span class=\"__9 _413\"/>ramtida kassafl\u00f6den till redo<span class=\"__9 _413\"/>visat v\u00e4rde p\u00e5 den \ufb01nansiella tillg\u00e5ngen eller sk<span class=\"__9 _413\"/>ulden vid f\u00f6rsta redovisnings<span class=\"__9 _348\"/>tillf\u00e4llet.<span class=\"__9 _356\"> </span>R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter och r\u00e4n<span class=\"__9 _413\"/>tekostnader ber\u00e4knas och redo<span class=\"__9 _413\"/>visas <span class=\"__9 _356\">med effek</span><span class=\"__9 _413\"/>tivr\u00e4ntemetoden eller<span class=\"__9 _357\"/>, om s\u00e5 anses l\u00e4mpligt, med en metod som ger en rimlig uppskattning a<span class=\"__9 _413\"/>v vad en ber\u00e4k<span class=\"__9 _413\"/>-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">ning grundad p\u00e5 effek</span><span class=\"__9 _413\"/>tivr\u00e4ntemetoden sk<span class=\"__9 _413\"/><span class=\"__9 _356\">ulle ge. Effektivr</span><span class=\"__9 _413\"/>\u00e4n-<span class=\"__9 _356\"> </span>tan innefa<span class=\"__9 _413\"/>ttar avgifter som anse<span class=\"__9 _348\"/><span class=\"__9 _356\">s ing\u00e5 i effek</span><span class=\"__9 _413\"/>tivr\u00e4ntan f<span class=\"__9 _413\"/>\u00f6r ett \ufb01nansiellt instrumen<span class=\"__9 _413\"/>t (vanligen avgifter erh\u00e5llna s<span class=\"__9 _413\"/>om kom-<span class=\"__9 _356\"> </span>pensation f<span class=\"__9 _413\"/>\u00f6r risk). R\u00e4nteint\u00e4k<span class=\"__9 _413\"/>ter och r\u00e4ntekos<span class=\"__9 _413\"/>tnader fr\u00e5n \ufb01nansiella instrument klassi\ufb01c<span class=\"__9 _413\"/>eras, med nedanst\u00e5ende undantag, som \u201dR\u00e4n<span class=\"__9 _413\"/>tenetto\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter och r\u00e4n<span class=\"__9 _413\"/>tekostnader h\u00e4nf<span class=\"__9 _413\"/>\u00f6rliga till balanspos-<span class=\"__9 _356\"> </span>ter redovisade till v<span class=\"__9 _413\"/>erkligt v\u00e4rde inom Markets och Life &amp; P<span class=\"__9 _413\"/>en-<span class=\"__9 _356\"> </span>sion klassi\ufb01ceras i re<span class=\"__9 _348\"/>sultatr<span class=\"__9 _413\"/>\u00e4kningen som \u201dNettoresultat a<span class=\"__9 _413\"/>v poster till verkligt v<span class=\"__9 _413\"/>\u00e4rde\u201d<span class=\"__9 _413\"/>. \u00c4<span class=\"__9 _413\"/>ven r\u00e4n<span class=\"__9 _413\"/>tan h\u00e4nf\u00f6rlig till netto<span class=\"__9 _413\"/>\ufb01-<span class=\"__9 _356\"> </span>nansieringen av v<span class=\"__9 _413\"/>erksamheten inom Markets och Life &amp; Pen-<span class=\"__9 _356\"> </span>sion (samt en portf\u00f6lj med r<span class=\"__9 _413\"/>\u00e4nteb\u00e4rande v\u00e4r<span class=\"__9 _413\"/>depapper i Life &amp; Pension) v\u00e4r<span class=\"__9 _413\"/><span class=\"__9 _356\">derad till upplupet anskaffningsv\u00e4r</span><span class=\"__9 _413\"/>de redovisas under \u201dNettoresult<span class=\"__9 _348\"/>at a<span class=\"__9 _413\"/>v poster till verkligt v\u00e4rde\u201d f<span class=\"__9 _413\"/>\u00f6r att s\u00e4kerst\u00e4lla att in<span class=\"__9 _413\"/>t\u00e4kter och kos<span class=\"__9 _348\"/>tnader i dessa verksamheter redovisas p\u00e5 ett kons<span class=\"__9 _348\"/>ekvent s\u00e4<span class=\"__9 _413\"/>tt<span class=\"__9 _a_8\"/>. Se not K2.4 \u201dSumma netto-<span class=\"__9 _356\"> </span>resulta<span class=\"__9 _413\"/>t av poster till verkligt v<span class=\"__9 _413\"/>\u00e4rde\u201d<span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>R\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat klassi\ufb01cer<span class=\"__9 _413\"/>as som \u201dNettoresul-<span class=\"__9 _356\"> </span>tat a<span class=\"__9 _413\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>, med undantag f<span class=\"__9 _413\"/>\u00f6r derivat som innehas f\u00f6r s\u00e4kringssyfte. I r<span class=\"__9 _348\"/>edovisningss\u00e4kringar klas-<span class=\"__9 _356\"> </span>si\ufb01ceras r<span class=\"__9 _348\"/>\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat som \u201dR\u00e4n<span class=\"__9 _413\"/>teint\u00e4kt<span class=\"__9 _413\"/>er fr\u00e5n anv\u00e4ndande a<span class=\"__9 _413\"/><span class=\"__9 _356\">v effektivr</span><span class=\"__9 _413\"/>\u00e4ntemetoden\u201d om deriva<span class=\"__9 _413\"/>tet anv\u00e4nds f\u00f6r a<span class=\"__9 _413\"/>tt risks\u00e4kra en tillg\u00e5ng och som \u201dR\u00e4ntekos<span class=\"__9 _348\"/>tnader<span class=\"__9 _a_8\"/>\u201d om derivat<span class=\"__9 _348\"/>et anv\u00e4nds f<span class=\"__9 _413\"/>\u00f6r att risks\u00e4kra en skuld. I ekonomiska s\u00e4kringar klassi\ufb01ceras r<span class=\"__9 _348\"/>\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat som \u201d\u00d6vri-<span class=\"__9 _356\"> </span>ga r\u00e4n<span class=\"__9 _348\"/>teint\u00e4k<span class=\"__9 _413\"/>ter<span class=\"__9 _a_8\"/>\u201d om derivatet anv<span class=\"__9 _413\"/>\u00e4nds f\u00f6r att risks\u00e4kra en tillg\u00e5ng och som \u201dR\u00e4nt<span class=\"__9 _348\"/>ekostnader<span class=\"__9 _a_8\"/>\u201d om deriva<span class=\"__9 _348\"/>tet anv\u00e4nds f<span class=\"__9 _413\"/>\u00f6r att risks\u00e4kra en sk<span class=\"__9 _413\"/>uld<span class=\"__9 _356\"> </span>K2.2 <span class=\"__9 _6e_1\"> </span>R\u00e4nt<span class=\"__9 _413\"/>enetto, forts.<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vkastningen p\u00e5 \ufb01nansiella tillg\u00e5ngar redovisas p\u00e5 tre rader i resul<span class=\"__9 _348\"/>tatr\u00e4kningen: \u201dR\u00e4n<span class=\"__9 _413\"/>teint\u00e4k<span class=\"__9 _413\"/>ter fr\u00e5n anv\u00e4ndande a<span class=\"__9 _413\"/>v <span class=\"__9 _356\">effek</span><span class=\"__9 _413\"/>tivr\u00e4ntemetoden\u201d<span class=\"__9 _357\"/>, \u201d\u00d6vriga r\u00e4n<span class=\"__9 _348\"/>teint<span class=\"__9 _348\"/>\u00e4kter\u201d och \u201dNegativ avkas<span class=\"__9 _413\"/>tning p\u00e5 \ufb01nansiella tillg\u00e5ngar<span class=\"__9 _425\"/>\u201d<span class=\"__9 _357\"/>. Under posten \u201dR\u00e4ntein-<span class=\"__9 _356\"> </span>t\u00e4kt<span class=\"__9 _348\"/>er fr\u00e5n an<span class=\"__9 _348\"/>v\u00e4ndande a<span class=\"__9 _413\"/><span class=\"__9 _356\">v effektivr</span><span class=\"__9 _413\"/>\u00e4ntemetoden\u201d redovisar Nordea r\u00e4n<span class=\"__9 _413\"/>teint\u00e4kt<span class=\"__9 _413\"/>er fr\u00e5n \ufb01nansiella tillg\u00e5ngar v\u00e4rderade till <span class=\"__9 _356\">upplupet anskaffningsv</span><span class=\"__9 _413\"/>\u00e4rde eller till verkligt v\u00e4rde via \u00f6vrigt totalr<span class=\"__9 _348\"/>esultat. Resul<span class=\"__9 _348\"/>tatr\u00e4kningspos<span class=\"__9 _413\"/>ten \u201d\u00d6vriga r\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter<span class=\"__9 _a_8\"/>\u201d innefa<span class=\"__9 _413\"/>ttar r\u00e4ntein<span class=\"__9 _348\"/>t\u00e4kt<span class=\"__9 _348\"/>er fr\u00e5n e<span class=\"__9 _413\"/>xempelvis l\u00e5n v\u00e4r<span class=\"__9 _413\"/>derade till verkligt v\u00e4r<span class=\"__9 _348\"/>de via resulta<span class=\"__9 _413\"/>tr\u00e4kningen eftersom de inte uppfyl<span class=\"__9 _348\"/>-<span class=\"__9 _356\"> </span>ler SPPI-kriteriet (som anger att kassa<span class=\"__9 _413\"/>fl\u00f6det enbar<span class=\"__9 _a_8\"/>t ska utg\u00f6-<span class=\"__9 _356\"> </span>ras a<span class=\"__9 _413\"/>v betalning av kapitalbelopp och r\u00e4n<span class=\"__9 _413\"/>ta). Negativ avkas<span class=\"__9 _413\"/>t-<span class=\"__9 _356\"> </span>ning p\u00e5 \ufb01nansiella tillg\u00e5ngar och skulder redo<span class=\"__9 _348\"/>visas under \u201dNegativ a<span class=\"__9 _413\"/>vkastning p\u00e5 \ufb01nansiella tillg\u00e5ngar<span class=\"__9 _a_8\"/>\u201d respektive \u201dNegativ a<span class=\"__9 _413\"/>vkastning p\u00e5 \ufb01nansiella skulder<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _356\"> </span><span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__9 _413\"/>ttningar<span class=\"__9 _356\"> </span>Nordeas kritiska bed\u00f6mning \u00e4r att en ev<span class=\"__9 _413\"/>entuell f\u00f6r\u00e4ndring i r\u00e4n<span class=\"__9 _348\"/>tan p\u00e5 uppl\u00e5ning via E<span class=\"__9 _348\"/>CB:s riktade l\u00e5ngf<span class=\"__9 _413\"/>ristiga re\ufb01nansie-<span class=\"__9 _356\"> </span>ringsprogram (TL<span class=\"__9 _357\"/>TRO<span class=\"__9 _413\"/>), fr\u00e5n det att gr\u00e4nsv<span class=\"__9 _413\"/>\u00e4rdena f\u00f6r utl\u00e5ning har uppn\u00e5tts, ska betrak<span class=\"__9 _413\"/>tas som en f\u00f6r\u00e4ndring i en r<span class=\"__9 _413\"/>\u00f6rlig r\u00e4n<span class=\"__9 _348\"/><span class=\"__9 _356\">ta och redovisas som en s\u00e5dan enligt IFRS 9. Den eff</span><span class=\"__9 _413\"/>ekt som uppst\u00e5r genom a<span class=\"__9 _348\"/>tt gr\u00e4nsv\u00e4r<span class=\"__9 _348\"/>dena f\u00f6r utl\u00e5ning uppn\u00e5s redovisas d\u00e4rmed under \u201dR\u00e4n<span class=\"__9 _413\"/>tenetto\u201d n\u00e4r det med tillr\u00e4cklig s\u00e4kerhet g\u00e5r att f<span class=\"__9 _413\"/>astst\u00e4lla att gr\u00e4nsv<span class=\"__9 _413\"/>\u00e4rdena kommer att uppn\u00e5s.<span class=\"__9 _356\"> </span>R\u00e4ntenetto<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _426\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter fr\u00e5n anv<span class=\"__9 _413\"/>\u00e4ndande av effek<span class=\"__9 _413\"/><span class=\"__9 _356\">tivr\u00e4ntemetoden1</span><span class=\"__9 _427\"> </span>7 937<span class=\"__9 _3a_4\"> </span>5 116<span class=\"__9 _356\"> </span>\u00d6vriga r\u00e4nt<span class=\"__9 _348\"/>eint\u00e4k<span class=\"__9 _413\"/>ter<span class=\"__9 _7a_1\"> </span>1 013<span class=\"__9 _380\"> </span>784<span class=\"__9 _356\"> </span>Negativ a<span class=\"__9 _348\"/>vkastning p\u00e5 \ufb01nansiella tillg\u00e5ngar<span class=\"__9 _369\"> </span>-134<span class=\"__9 _1b_5\"> </span>-219<span class=\"__9 _356\"> </span>R\u00e4ntekos<span class=\"__9 _413\"/>tnader<span class=\"__9 _407\"> </span>-3 474<span class=\"__9 _3b_3\"> </span>-1 167<span class=\"__9 _356\"> </span>Negativ a<span class=\"__9 _348\"/>vkastning p\u00e5 \ufb01nansiella skulder<span class=\"__9 _7b_1\"> </span> 322<span class=\"__9 _367\"> </span>411<span class=\"__9 _356\"> </span>R\u00e4ntenetto<span class=\"__9 _7c_1\"> </span>5 664<span class=\"__9 _362\"> </span>4 92<span class=\"__9 _a_8\"/>5<span class=\"__9 _356\"> </span>1)   <span class=\"__9 _c_8\"/>Var<span class=\"__9 _348\"/>av variabla leasingin<span class=\"__9 _413\"/>t\u00e4kter 229 mn euro (175 mn euro). V<span class=\"__9 _413\"/>ariabla leasingint\u00e4kt<span class=\"__9 _413\"/>er best\u00e5r av r<span class=\"__9 _413\"/>\u00f6rliga r\u00e4ntor exklusive den f<span class=\"__9 _413\"/>asta marginalen. Om den variabla leasingin-<span class=\"__9 _356\"> </span>t\u00e4kten minskar mo<span class=\"__9 _348\"/>tverkas detta av l\u00e4gr<span class=\"__9 _413\"/>e uppl\u00e5ningskostnader. R\u00e4n<span class=\"__9 _413\"/>teint\u00e4kterna p\u00e5 nettoinvest<span class=\"__9 _413\"/>eringen i \ufb01nansiella leasingavtal uppgick till 329 mn euro (260 mn euro).<span class=\"__9 _356\"> </span>R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter fr\u00e5n an<span class=\"__9 _413\"/><span class=\"__9 _356\">v\u00e4ndande av eff</span><span class=\"__9 _413\"/>ektivr\u00e4ntemet<span class=\"__9 _413\"/>oden<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _426\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Utl\u00e5ning till kreditinstitut<span class=\"__9 _7d_2\"> </span> 682<span class=\"__9 _375\"> </span>93<span class=\"__9 _356\"> </span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__9 _7e_1\"> </span>6 527<span class=\"__9 _386\"> </span>4 7<span class=\"__9 _a_8\"/>29<span class=\"__9 _356\"> </span>R\u00e4nteb\u00e4r<span class=\"__9 _348\"/>ande v\u00e4rdepapper<span class=\"__9 _7f_2\"> </span> 325<span class=\"__9 _361\"> </span>182<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vgifter <span class=\"__9 _428\"> </span><span class=\"ls2_8 ws5_8\"> 24<span class=\"__9 _a_8\"/>2<span class=\"__9 _367\"> </span></span>231<span class=\"__9 _356\"> </span>Netto betald eller erh\u00e5llen r\u00e4n<span class=\"__9 _413\"/>ta p\u00e5 derivatinstrumen<span class=\"__9 _413\"/>t i s\u00e4kringsredovisning av tillg\u00e5ngar<span class=\"__9 _429\"> </span> 161<span class=\"__9 _383\"> </span>-119<span class=\"__9 _356\"> </span>R\u00e4ntein<span class=\"__9 _348\"/>t\u00e4kter f<span class=\"__9 _413\"/>r\u00e5n anv\u00e4ndande av effek<span class=\"__9 _413\"/>tivr\u00e4ntemetoden<span class=\"__9 _352\"> </span>7 937<span class=\"__9 _1e_5\"> </span>5 116<span class=\"__9 _356\"> </span>\u00d6vriga r\u00e4nt<span class=\"__9 _413\"/>eint\u00e4kter<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _426\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Utl\u00e5ning till verkligt v\u00e4rde till allm\u00e4nhet<span class=\"__9 _348\"/>en<span class=\"__9 _369\"> </span>1 06<span class=\"__9 _a_8\"/>4<span class=\"__9 _380\"> </span>955<span class=\"__9 _356\"> </span>R\u00e4nteb\u00e4r<span class=\"__9 _348\"/>ande v\u00e4rdepapper till verkligt v<span class=\"__9 _413\"/>\u00e4rde<span class=\"__9 _372\"> </span><span class=\"ls3_8 ws6_8\"> 170<span class=\"__9 _375\"> </span></span>60<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vgifter och \u00f6vriga r\u00e4nt<span class=\"__9 _348\"/>eint\u00e4k<span class=\"__9 _413\"/>ter p\u00e5 tillg\u00e5ngar till verkligt v\u00e4rde<span class=\"__9 _430\"> </span> 0<span class=\"__9 _2d_3\"> </span>1<span class=\"__9 _356\"> </span>Netto betald eller erh\u00e5llen r\u00e4n<span class=\"__9 _413\"/>ta p\u00e5 derivatinstrumen<span class=\"__9 _413\"/>t i ekonomiska s\u00e4kringar av tillg\u00e5ngar<span class=\"__9 _431\"> </span>-221<span class=\"__9 _f_8\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _a_8\"/>3<span class=\"__9 _a_8\"/>2<span class=\"__9 _356\"> </span></span>\u00d6vriga r\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter<span class=\"__9 _432\"> </span>1 013<span class=\"__9 _3d_3\"> </span>784<span class=\"__9 _356\"> </span>R\u00e4ntek<span class=\"__9 _348\"/>ostnader<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _426\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Skulder till kreditinstitut<span class=\"__9 _433\"> </span>-221<span class=\"__9 _367\"> </span>-35<span class=\"__9 _356\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__9 _5d_1\"> </span>-957<span class=\"__9 _363\"> </span>-166<span class=\"__9 _356\"> </span>Emitterade v\u00e4r<span class=\"__9 _413\"/>depapper<span class=\"__9 _434\"> </span>-2 376<span class=\"__9 _410\"> </span>-1 275<span class=\"__9 _356\"> </span>Efterst\u00e4llda sk<span class=\"__9 _348\"/>ulder<span class=\"__9 _435\"> </span><span class=\"ls2_8 ws5_8\">-25<span class=\"__9 _a_8\"/>2<span class=\"__9 _363\"> </span>-2<span class=\"__9 _a_8\"/>55<span class=\"__9 _356\"> </span></span>\u00d6vriga r\u00e4nt<span class=\"__9 _348\"/>ekostnader<span class=\"__9 _436\"> </span><span class=\"ls3_8 ws6_8\">-14<span class=\"__9 _364\"> </span>-14<span class=\"__9 _356\"> </span></span>Netto betald eller erh\u00e5llen r\u00e4n<span class=\"__9 _413\"/>ta p\u00e5 derivatinstrumen<span class=\"__9 _413\"/>t i s\u00e4kringar av skulder<span class=\"__9 _437\"> </span> 346<span class=\"__9 _381\"> </span><span class=\"ls3_8 ws6_8\">578<span class=\"__9 _356\"> </span></span>R\u00e4ntekos<span class=\"__9 _413\"/>tnader<span class=\"__9 _8a_1\"> </span>-3 47<span class=\"__9 _413\"/>4<span class=\"__9 _410\"> </span>-1 167<span class=\"__9 _356\"> </span>R\u00e4ntenetto f<span class=\"__9 _413\"/>r\u00e5n kategorier a<span class=\"__9 _413\"/>v \ufb01nansiella instrument<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _426\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade till  verkligt v\u00e4rde via \u00f6<span class=\"__9 _413\"/>vrigt totalresultat <span class=\"__9 _8b_1\"> </span> 279<span class=\"__9 _367\"> </span>119<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade  <span class=\"__9 _356\">till upplupet anskaffningsv</span><span class=\"__9 _348\"/>\u00e4rde<span class=\"__9 _8c_1\"> </span>7 364<span class=\"__9 _362\"> </span>4 903<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade till  verkligt v\u00e4rde via r<span class=\"__9 _413\"/>esultatr\u00e4kningen <span class=\"__9 _8d_1\"> </span><span class=\"ls3_8 ws6_8\">1 17<span class=\"__9 _a_8\"/>3<span class=\"__9 _3d_3\"> </span></span>659<span class=\"__9 _356\"> </span>Finansiella skulder v\u00e4rder<span class=\"__9 _413\"/>ade <span class=\"__9 _356\">till upplupet anskaffningsv</span><span class=\"__9 _348\"/>\u00e4rde<span class=\"__9 _8e_1\"> </span>-2 896<span class=\"__9 _2b_3\"> </span>-838<span class=\"__9 _356\"> </span>Finansiella skulder v\u00e4rder<span class=\"__9 _413\"/>ade till  verkligt v\u00e4rde via r<span class=\"__9 _413\"/>esultatr\u00e4kningen <span class=\"__9 _8f_1\"> </span><span class=\"ls2_8 ws5_8\">-25<span class=\"__9 _a_8\"/>6<span class=\"__9 _375\"> </span></span>82<span class=\"__9 _356\"> </span>R\u00e4ntenetto<span class=\"__9 _7c_1\"> </span>5 664<span class=\"__9 _362\"> </span>4 92<span class=\"__9 _a_8\"/>5<span class=\"__9 _356\"> </span>R\u00e4ntan p\u00e5 os\u00e4kr<span class=\"__9 _413\"/>a l\u00e5nefordringar utgjorde en obety<span class=\"__9 _348\"/>dlig andel av r<span class=\"__9 _413\"/>\u00e4nteint\u00e4k<span class=\"__9 _413\"/>terna<span class=\"__9 _356\"> </span><div class=\"t_9 m0_9 h5_8 ff1_9 fs3_8 fc0_9 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:419.60236px;\">K2.4 <span class=\"__9 _b6_2\"> </span> <span class=\"__9 _b7_2\"/>Summa nettoresul<span class=\"__9 _413\"/>tat a<span class=\"__9 _413\"/>v </div><div class=\"t_9 m0_9 h5_8 ff1_9 fs3_8 fc0_9 sc0_9 ls0_9 ws0_9\" style=\"left:40.15207px; bottom:406.07715px;\">poster till v<span class=\"__9 _413\"/>erkligt v\u00e4rde<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h6_8 ff1_9 fs4_8 fc1_8 sc0_9 ls0_9 ws0_9\" style=\"left:7.383362px; bottom:379.01636px;\">Redovsningsprinciper<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h6_8 ff1_9 fs4_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:354.43466px;\">Nettoresul<span class=\"__9 _413\"/>tat av post<span class=\"__9 _413\"/>er till verkligt v\u00e4rde<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls10_7 ws0_9\" style=\"left:0.013267517px; bottom:340.90308px;\">Realiserade och or<span class=\"__9 _413\"/>ealiserade vinster och f<span class=\"__9 _348\"/>\u00f6rluster p\u00e5 \ufb01nansiella<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls10_7 ws0_9\" style=\"left:0.013267517px; bottom:327.37787px;\">instrument och f<span class=\"__9 _413\"/>\u00f6rvaltningsfastighet<span class=\"__9 _413\"/>er v\u00e4rderade till verkligt<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls10_7 ws0_9\" style=\"left:0.013267517px; bottom:313.8527px;\">v\u00e4rde r<span class=\"__9 _348\"/>edovisas normalt under \u201dNettor<span class=\"__9 _413\"/>esultat av pos<span class=\"__9 _413\"/>ter till verkligt<span class=\"__9 _a_8\"/> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls10_7 ws0_9\" style=\"left:0.013267517px; bottom:300.32748px;\">v\u00e4rde\u201d<span class=\"__9 _357\"/>. F\u00f6r in<span class=\"__9 _413\"/>formation om de redovisningsprinciper som an<span class=\"__9 _413\"/>v\u00e4nds<span class=\"__9 _a_8\"/> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls10_7 ws0_9\" style=\"left:0.013267517px; bottom:286.80228px;\">vid ber\u00e4kning a<span class=\"__9 _413\"/>v verkligt v\u00e4rde, se not K3.4 \u201dV<span class=\"__9 _413\"/>erkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:12.908623px; bottom:273.27707px;\">Dessutom ing\u00e5r f<span class=\"__9 _348\"/>\u00f6ljande poster i \u201dNettor<span class=\"__9 _413\"/>esultat av pos<span class=\"__9 _413\"/>ter till<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:259.7519px;\">verkligt v\u00e4r<span class=\"__9 _348\"/>de\u201d:<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:246.22668px;\">\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter och r\u00e4n<span class=\"__9 _413\"/>tekostnader<span class=\"__9 _413\"/>, h\u00e4nf<span class=\"__9 _413\"/>\u00f6rliga till \ufb01nansierin<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span></span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws4_8\" style=\"left:12.908623px; bottom:232.70148px;\">gen av v<span class=\"__9 _413\"/>erksamheten inom Markets och Life &amp; Pension (sam<span class=\"__9 _413\"/>t<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws4_8\" style=\"left:12.908623px; bottom:219.17627px;\">en portf\u00f6lj med r\u00e4n<span class=\"__9 _413\"/>teb\u00e4rande v\u00e4rdepapper i Lif<span class=\"__9 _413\"/>e &amp; Pension)<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws4_8\" style=\"left:12.908623px; bottom:205.65108px;\">v\u00e4rder<span class=\"__9 _413\"/><span class=\"__9 _356\">ade till upplupet anskaffningsv\u00e4rde.<span class=\"__9 _356\"> </span></span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:192.12589px;\">\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">Realiserade vins<span class=\"__9 _413\"/>ter/f\u00f6rl<span class=\"__9 _348\"/>uster p\u00e5 tillg\u00e5ngar och sk<span class=\"__9 _348\"/>ulder<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws4_8\" style=\"left:12.908623px; bottom:178.60068px;\">v\u00e4rder<span class=\"__9 _413\"/><span class=\"__9 _356\">ade till upplupet anskaffningsv\u00e4rde.<span class=\"__9 _356\"> </span></span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:165.07549px;\">\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\"> Omv\u00e4r<span class=\"__9 _348\"/>deringen av s\u00e4kr<span class=\"__9 _413\"/>ade risker i s\u00e4krade poster i<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:12.908623px; bottom:151.55028px;\">s\u00e4kringsredovisningen.<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:138.02509px;\">\u2022 <span class=\"__9 _b_8\"> </span>V<span class=\"__9 _413\"/>alutakursf\u00f6r<span class=\"__9 _413\"/>\u00e4ndringar<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:124.49988px;\">\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">F\u00f6r<span class=\"__9 _413\"/>\u00e4ndringar i skulder till f\u00f6rs\u00e4kringstagare och riskr<span class=\"__9 _348\"/>esultat<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws4_8\" style=\"left:12.908623px; bottom:110.974686px;\">fr\u00e5n f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsavtal inom Life &amp; P<span class=\"__9 _413\"/>ension redovisas enligt<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws4_8\" style=\"left:12.908623px; bottom:97.44948px;\">IFRS 4 (se ytterligare in<span class=\"__9 _413\"/>formation nedan).<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:70.38803px;\">F\u00f6ljande pos<span class=\"__9 _413\"/>ter ing\u00e5r inte i \u201dNettoresul<span class=\"__9 _348\"/>tat a<span class=\"__9 _413\"/>v poster till verkligt<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:56.86283px;\">v\u00e4rde\u201d:<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:43.33763px;\">\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">R\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat som an<span class=\"__9 _413\"/>v\u00e4nds f\u00f6r s\u00e4kringsredo<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span></span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws4_8\" style=\"left:12.908623px; bottom:29.812431px;\">visning och ekonomiska s\u00e4kringar<span class=\"__9 _413\"/>. Dessa komponen<span class=\"__9 _348\"/>ter<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws4_8\" style=\"left:12.908623px; bottom:16.287231px;\">redovisas under \u201dR\u00e4n<span class=\"__9 _413\"/>tenetto\u201d f\u00f6r att s\u00e4k<span class=\"__9 _348\"/>erst\u00e4lla redovis<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws4_8\" style=\"left:12.908623px; bottom:2.7620316px;\">ningsm\u00e4ssig \u00f6verenss<span class=\"__9 _413\"/>t\u00e4mmelse med de s\u00e4krade posterna.<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:327.9818px; bottom:383.85443px;\">\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">F\u00f6rlus<span class=\"__9 _413\"/>ter fr\u00e5n motpartsrisk p\u00e5 utl\u00e5ning i portf\u00f6ljer som h\u00e5lls<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws4_8\" style=\"left:340.1371px; bottom:370.32922px;\">till f\u00f6rf<span class=\"__9 _348\"/>all och obligatorisk<span class=\"__9 _413\"/>t v\u00e4rderas till verkligt v<span class=\"__9 _348\"/>\u00e4rde (uppf<span class=\"__9 _413\"/><span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws4_8\" style=\"left:340.1371px; bottom:356.80405px;\">yller inte krit<span class=\"__9 _413\"/>eriet att kassafl\u00f6det enbart ska utg\u00f6ras av bet<span class=\"__9 _348\"/>al<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws4_8\" style=\"left:340.1371px; bottom:343.27884px;\">ning av kapit<span class=\"__9 _348\"/>albelopp och r\u00e4n<span class=\"__9 _348\"/>ta) redovisas under den separ<span class=\"__9 _413\"/>at<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws4_8\" style=\"left:340.1371px; bottom:329.75363px;\">posten \u201dNettor<span class=\"__9 _413\"/>esultat av utl\u00e5ning i portf<span class=\"__9 _348\"/>\u00f6ljer som h\u00e5lls till f\u00f6r<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws4_8\" style=\"left:340.1371px; bottom:316.22842px;\">fall och obliga<span class=\"__9 _348\"/>toriskt v<span class=\"__9 _413\"/>\u00e4rderas till verkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:327.9818px; bottom:289.167px;\">Int\u00e4k<span class=\"__9 _413\"/>tsredovisningen och beteckningarna f\u00f6r de pos<span class=\"__9 _413\"/>ter som<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:327.9818px; bottom:275.64178px;\">avser livf<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsverksamheten beskrivs under \u201dInt\u00e4k<span class=\"__9 _413\"/>tsredo<span class=\"__9 _a_8\"/>-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:327.9818px; bottom:262.11658px;\">visning livf\u00f6rs\u00e4kring\u201d nedan.<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:340.1371px; bottom:248.59137px;\">F\u00f6r fler r<span class=\"__9 _413\"/>edovisningsprinciper avseende valut<span class=\"__9 _348\"/>akursf\u00f6r<span class=\"__9 _413\"/>\u00e4nd-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:327.9818px; bottom:235.0662px;\">ringar<span class=\"__9 _413\"/>, se not K1 \u201dRedovisningsprinciper\u201d och not K9.2 \u201dV<span class=\"__9 _413\"/>aluta-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:327.9818px; bottom:221.54099px;\">omr\u00e4kning a<span class=\"__9 _413\"/>v utl\u00e4ndska f\u00f6retag/\ufb01lialer<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h6_8 ff1_9 fs4_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:327.9818px; bottom:194.36176px;\">Nettoresul<span class=\"__9 _413\"/>tat av utl\u00e5ning i portf<span class=\"__9 _348\"/>\u00f6ljer som h\u00e5lls till<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h6_8 ff1_9 fs4_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:327.9818px; bottom:180.83655px;\">f\u00f6rf<span class=\"__9 _413\"/>all och obligatoriskt v\u00e4r<span class=\"__9 _413\"/>deras till verkligt v\u00e4rde<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:327.9818px; bottom:167.30356px;\">Post<span class=\"__9 _413\"/>en \u201dNettoresultat a<span class=\"__9 _413\"/>v utl\u00e5ning i por<span class=\"__9 _a_8\"/>tf\u00f6ljer som h\u00e5lls till f<span class=\"__9 _413\"/>\u00f6r-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:327.9818px; bottom:153.77835px;\">fall och obliga<span class=\"__9 _348\"/>toriskt v<span class=\"__9 _413\"/>\u00e4rderas till verkligt v\u00e4rde\u201d inkl<span class=\"__9 _413\"/>uderar jus-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:327.9818px; bottom:140.25316px;\">teringar till verkligt v\u00e4r<span class=\"__9 _413\"/>de av marginalkomponen<span class=\"__9 _413\"/>ten f\u00f6r l\u00e5ne-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:327.9818px; bottom:126.72795px;\">for<span class=\"__9 _348\"/>dringar i portf\u00f6ljer d\u00e4r a<span class=\"__9 _413\"/>vsikten \u00e4r att beh\u00e5lla instrumen<span class=\"__9 _413\"/>ten<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:327.9818px; bottom:113.20276px;\">till f\u00f6rf<span class=\"__9 _348\"/>all och d\u00e4r dessa m\u00e5ste v<span class=\"__9 _413\"/>\u00e4rderas till verkligt v\u00e4rde (upp-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:327.9818px; bottom:99.67755px;\">fyller inte SPPI-krit<span class=\"__9 _413\"/>eriet). L\u00e5nefordringarna klassi\ufb01cer<span class=\"__9 _348\"/>as i kate-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:327.9818px; bottom:86.15236px;\">gorin \u201dFinansiella tillg\u00e5ngar v\u00e4rder<span class=\"__9 _413\"/>ade till verkligt v\u00e4rde via<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:327.9818px; bottom:72.62715px;\">resulta<span class=\"__9 _413\"/>tr\u00e4kningen\u201d och redovisas under posten \u201dUtl\u00e5ning till<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:327.9818px; bottom:59.10195px;\">allm\u00e4nheten\u201d i balansr\u00e4kningen. Jus<span class=\"__9 _348\"/>teringar till verkligt v\u00e4r<span class=\"__9 _413\"/>de<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:327.9818px; bottom:45.57675px;\">avser f<span class=\"__9 _413\"/>r\u00e4mst f\u00f6r<span class=\"__9 _413\"/>\u00e4ndringar i kreditrisk.<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:340.1371px; bottom:32.05155px;\">F\u00f6rlus<span class=\"__9 _413\"/>ter fr\u00e5n motpartsrisk i instrumen<span class=\"__9 _413\"/>t som klassi\ufb01cerats i<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:327.9818px; bottom:18.526352px;\">kategorin \u201dFinansiella tillg\u00e5ngar v<span class=\"__9 _413\"/>\u00e4rderade till verkligt v\u00e4rde<span class=\"__9 _356\"> </span></div>result<span class=\"__9 _348\"/>atr\u00e4kningen f<span class=\"__9 _413\"/>\u00f6ruts\u00e4tter fram<span class=\"__9 _413\"/>f\u00f6r allt ett positivt result<span class=\"__9 _348\"/>at f<span class=\"__9 _413\"/>\u00f6<span class=\"__9 _356\"> </span>traditionella livf\u00f6rs\u00e4kringsa<span class=\"__9 _413\"/>vtal. Vinstdelning som inte kan<span class=\"__9 _356\"> </span>redovisas under innev<span class=\"__9 _413\"/>arande period till f\u00f6ljd a<span class=\"__9 _413\"/>v svaga placerin<span class=\"ls0_9 ws0_9\">-<span class=\"__9 _356\"> </span></span>gsresulta<span class=\"__9 _413\"/>t kan i vissa l\u00e4nder senarel\u00e4ggas, helt eller delvis, till \u00e5<span class=\"__9 _356\"> </span>med h\u00f6gre a<span class=\"__9 _413\"/>vkastning.<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">F\u00f6rs\u00e4kringstagarnas andel a<span class=\"__9 _413\"/>v kostnads- och riskresulta<span class=\"__9 _348\"/>tet f<span class=\"__9 _348\"/>\u00f6r<span class=\"__9 _356\"> </span></span>traditionella livf\u00f6rs\u00e4kringsa<span class=\"__9 _413\"/>vtal eller fondf\u00f6rs\u00e4kringsa<span class=\"__9 _413\"/>vtal.<span class=\"__9 _356\"> </span>Post<span class=\"__9 _413\"/>en \u201dF\u00f6r\u00e4ndring a<span class=\"__9 _413\"/>v \u00e5terb\u00e4ringsmedel\u201d i tabellen ovan a<span class=\"__9 _413\"/>vse<span class=\"__9 _356\"> </span>endast traditionella livf<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>s\u00e4kringsavt<span class=\"__9 _348\"/>al. Posten om<span class=\"__9 _413\"/>fattar f<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>s\u00e4k<span class=\"__9 _356\"> </span>ringstagarnas andel a<span class=\"__9 _413\"/>v avkastning som \u00e4nnu in<span class=\"__9 _413\"/>te har f\u00f6rdelats<span class=\"__9 _356\"> </span>till individuella f\u00f6rs\u00e4kringstagar<span class=\"__9 _413\"/>e. \u00c4<span class=\"__9 _413\"/>ven \u00e5terb\u00e4ringsmedel ing\u00e5<span class=\"__9 _356\"> </span>(diskretion\u00e4r del), liksom belopp s<span class=\"__9 _348\"/>om beh\u00f6vs f<span class=\"__9 _348\"/>\u00f6r att t\u00e4cka till-<span class=\"__9 _356\"> </span>f\u00e4lliga undersko<span class=\"__9 _348\"/>tt mellan placeringsresult<span class=\"__9 _348\"/>at och even<span class=\"__9 _413\"/>tuell mini<span class=\"__9 _356\"> </span>mif\u00f6rm\u00e5n till f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringstagarna.<span class=\"__9 _356\"> </span>K2.4  Summa nettoresultat av pos<span class=\"__9 _413\"/>ter till verkligt v\u00e4rde, forts.<span class=\"__9 _356\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__9 _356\"> </span>via resulta<span class=\"__9 _413\"/>tr\u00e4kningen\u201d redovisas under \u201dNettoresul<span class=\"__9 _348\"/>tat a<span class=\"__9 _413\"/>v poste<span class=\"__9 _356\"> </span>r<span class=\"__9 _356\"> </span>till verkligt v\u00e4r<span class=\"__9 _348\"/>de\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Nedskrivningar avseende ins<span class=\"__9 _413\"/>trument i andra kategorier \u00e4n<span class=\"__9 _356\"> </span>\u201dFinansiella tillg\u00e5ngar v\u00e4rder<span class=\"__9 _413\"/>ade till verkligt v\u00e4rde via resulta<span class=\"__9 _413\"/>t-<span class=\"__9 _356\"> </span>r\u00e4kningen\u201d redo<span class=\"__9 _348\"/>visas under posten \u201dKreditf<span class=\"__9 _413\"/>\u00f6rluster<span class=\"__9 _413\"/>, netto\u201d<span class=\"__9 _357\"/>. F\u00f6r<span class=\"__9 _356\"> </span>ytterligare in<span class=\"__9 _348\"/>forma<span class=\"__9 _413\"/>tion, se not K2.9 \u201dKreditf\u00f6rlus<span class=\"__9 _413\"/>ter<span class=\"__9 _425\"/>\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__9 _413\"/>ttningar<span class=\"__9 _356\"> </span>Os\u00e4kerhet i uppskattningar \ufb01nns i samband med v<span class=\"__9 _413\"/>\u00e4rdering av<span class=\"__9 _356\"> </span>\ufb01nansiella instrument, fr<span class=\"__9 _348\"/>amf<span class=\"__9 _413\"/>\u00f6r allt f\u00f6r instrumen<span class=\"__9 _413\"/>t som saknar<span class=\"__9 _356\"> </span>noter<span class=\"__9 _348\"/>ade kurser och nyligen observerade marknadsk<span class=\"__9 _413\"/>ur<span class=\"__9 _a_8\"/>ser<span class=\"__9 _356\"> </span><span class=\"__9 _356\">(instrument i niv</span><span class=\"__9 _413\"/>\u00e5 3). Se not K3.4 \u201dV<span class=\"__9 _348\"/>erkligt v\u00e4rde\u201d<span class=\"__9 _356\"> </span><span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Summa nettoresul<span class=\"__9 _413\"/>tat av post<span class=\"__9 _348\"/>er till verkligt v\u00e4r<span class=\"__9 _348\"/>de<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _b8_1\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Nettoresulta<span class=\"__9 _413\"/>t av poster till verkligt v\u00e4r<span class=\"__9 _413\"/>de<span class=\"__9 _b9_2\"> </span>721<span class=\"__9 _2b_3\"> </span>1 119<span class=\"__9 _356\"> </span>Nettoresulta<span class=\"__9 _413\"/>t av utl\u00e5ning i portf\u00f6ljer som h\u00e5lls till<span class=\"__9 _356\"> </span>f\u00f6rfall och obliga<span class=\"__9 _413\"/>toriskt v\u00e4rderas till v<span class=\"__9 _348\"/>erkligt v\u00e4rde<span class=\"__9 _365\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _a_8\"/>3<span class=\"__9 _375\"> </span></span>83<span class=\"__9 _356\"> </span>Summa<span class=\"__9 _350\"> </span>708<span class=\"__9 _360\"> </span>1 202<span class=\"__9 _356\"> </span>F\u00f6r<span class=\"__9 _413\"/>delning efter produkt<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _b8_1\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Aktierela<span class=\"__9 _413\"/><span class=\"__9 _356\">terade instrument1</span><span class=\"__9 _ba_2\"> </span>431<span class=\"__9 _381\"> </span><span class=\"ls3_8 ws6_8\">570<span class=\"__9 _356\"> </span></span>R\u00e4nterela<span class=\"__9 _413\"/>terade instrument och<span class=\"__9 _356\"> </span>valutakursf<span class=\"__9 _413\"/><span class=\"__9 _356\">\u00f6r\u00e4ndringar2</span><span class=\"__9 _bb_2\"> </span><span class=\"ls2_8 ws5_8\">248<span class=\"__9 _381\"> </span></span>478<span class=\"__9 _356\"> </span>\u00d6vriga \ufb01nansiella instrument (inklusiv<span class=\"__9 _413\"/>e krediter<span class=\"__9 _356\"> </span>och r\u00e5<span class=\"__9 _348\"/>varor)<span class=\"__9 _bc_1\"> </span>-32<span class=\"__9 _387\"> </span><span class=\"ls3_8 ws6_8\">57<span class=\"__9 _356\"> </span></span>Nordea Life &amp; P<span class=\"__9 _413\"/><span class=\"__9 _356\">ension3<span class=\"__9 _356\"> </span></span>,<span class=\"__9 _356\"> </span><span class=\"__9 _356\">4</span><span class=\"__9 _bd_2\"> </span>61<span class=\"__9 _387\"> </span><span class=\"ls11_7 ws14_8\">97<span class=\"__9 _356\"> </span></span>Summa<span class=\"__9 _350\"> </span>708<span class=\"__9 _360\"> </span>1 202<span class=\"__9 _356\"> </span>1) Inkluderar f\u00f6rl<span class=\"__9 _348\"/>uster p\u00e5 8 mn euro fr<span class=\"__9 _413\"/>\u00e5n fondinnehav i Ryssland under 2022.<span class=\"__9 _356\"> </span>2) Inkluderar f\u00f6rl<span class=\"__9 _348\"/>ust fr\u00e5n \u00f6<span class=\"__9 _348\"/>verf\u00f6ringen a<span class=\"__9 _348\"/>v 529 mn euro i ackumulerade val<span class=\"__9 _348\"/>utakursf\u00f6rlus<span class=\"__9 _413\"/>ter<span class=\"__9 _356\"> </span>avseende verksamhet i R<span class=\"__9 _348\"/>yssland under 2022.<span class=\"__9 _356\"> </span>3)  <span class=\"__9 _c_8\"/>Interna transak<span class=\"__9 _348\"/>tioner har ej eliminerats mot andr<span class=\"__9 _348\"/>a rader i noten. Raden Nordea Lif<span class=\"__9 _413\"/>e &amp;<span class=\"__9 _356\"> </span><span class=\"__9 _356\">Pension ger s\u00e5ledes den verkliga eff</span><span class=\"__9 _413\"/>ekten fr\u00e5n livf\u00f6rs\u00e4kringsverksamheten.<span class=\"__9 _356\"> </span>4)   <span class=\"__9 _c_8\"/>Premieint\u00e4kter uppgick till 194 mn eur<span class=\"__9 _413\"/>o (306 mn euro).<span class=\"__9 _356\"> </span>Nettoresul<span class=\"__9 _413\"/>tat fr\u00e5n ka<span class=\"__9 _348\"/>tegorier a<span class=\"__9 _413\"/>v \ufb01nansiella instrument<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _be_2\"> </span>2022<span class=\"__9 _e_8\"> </span>2021<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade till v<span class=\"__9 _413\"/>erkligt v\u00e4rde via<span class=\"__9 _356\"> </span>\u00f6vrigt totalr<span class=\"__9 _413\"/>esultat<span class=\"__9 _356\"> </span>-1 508<span class=\"__9 _5b_1\"> </span>-331<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar redan fr\u00e5n b\u00f6rjan v<span class=\"__9 _413\"/>\u00e4rderade<span class=\"__9 _356\"> </span>till verkligt v\u00e4rde via r<span class=\"__9 _413\"/>esultatr\u00e4kningen<span class=\"__9 _420\"> </span><span class=\"ls2_8 ws5_8\">-245<span class=\"__9 _383\"> </span><span class=\"ls4_8 ws7_8\">-4<span class=\"__9 _356\"> </span></span></span>Finansiella skulder redan fr<span class=\"__9 _413\"/>\u00e5n b\u00f6rjan v\u00e4rderade till<span class=\"__9 _356\"> </span>verkligt v\u00e4rde via r<span class=\"__9 _413\"/>esultatr\u00e4kningen<span class=\"__9 _356\"> </span>11 643<span class=\"__9 _bf_2\"> </span>-5 179<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar och skulder obligatorisk<span class=\"__9 _413\"/>t<span class=\"__9 _356\"> </span>v\u00e4rderade till v<span class=\"__9 _413\"/>erkligt v\u00e4rde via resultatr<span class=\"__9 _348\"/><span class=\"__9 _356\">\u00e4kningen1</span><span class=\"__9 _353\"> </span>-<span class=\"__9 _413\"/>16 97<span class=\"__9 _a_8\"/>3<span class=\"__9 _c0_2\"> </span>6 726<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade till uppl<span class=\"__9 _413\"/>upet<span class=\"__9 _356\"> </span>anskaffningsv\u00e4r<span class=\"__9 _413\"/><span class=\"__9 _356\">de2</span><span class=\"__9 _c1_1\"> </span>-1 941<span class=\"__9 _385\"> </span>-<span class=\"__9 _a_8\"/>403<span class=\"__9 _356\"> </span>Finansiella skulder v\u00e4rder<span class=\"__9 _413\"/>ade till upplupet<span class=\"__9 _356\"> </span>anskaffningsv\u00e4r<span class=\"__9 _413\"/><span class=\"__9 _356\">de3</span><span class=\"__9 _404\"> </span>7 546<span class=\"__9 _c2_2\"> </span>1 947<span class=\"__9 _356\"> </span>V<span class=\"__9 _413\"/>alutakursf\u00f6r\u00e4ndringar<span class=\"__9 _413\"/>, exklusiv<span class=\"__9 _348\"/>e valutas\u00e4kringar<span class=\"__9 _379\"> </span>483<span class=\"__9 _362\"> </span>208<span class=\"__9 _356\"> </span><span class=\"__9 _356\">Icke finansiella tillg\u00e5ngar och skulder4</span><span class=\"__9 _c3_1\"> </span>1 703<span class=\"__9 _bf_2\"> </span><span class=\"ls3_8 ws6_8\">-1 76<span class=\"__9 _a_8\"/>2<span class=\"__9 _356\"> </span></span>Summa<span class=\"__9 _c4_1\"> </span>708<span class=\"__9 _c2_2\"> </span>1 202<span class=\"__9 _356\"> </span>1)   <span class=\"__9 _c_8\"/>Var<span class=\"__9 _348\"/>av periodiserade dag 1<span class=\"__9 _413\"/>-resultat uppg\u00e5r till 51 mn euro (54 mn euro<span class=\"__9 _348\"/>).<span class=\"__9 _356\"> </span>2)   <span class=\"__9 _c5_2\"/>Posten innef<span class=\"__9 _413\"/>attar vinster till f\u00f6ljd a<span class=\"__9 _348\"/>v bortbokning av \ufb01nansiella tillg\u00e5ngar v\u00e4rder<span class=\"__9 _348\"/>ade till<span class=\"__9 _356\"> </span><span class=\"__9 _356\">upplupet anskaffningsv\u00e4r</span><span class=\"__9 _413\"/><span class=\"__9 _356\">de p\u00e5 mostsvarande 3 mn euro (9 mn euro) och f</span><span class=\"__9 _348\"/>\u00f6rluster p\u00e5<span class=\"__9 _356\"> </span><span class=\"__9 _356\">motsvarande -4 mn euro (0 mn euro</span><span class=\"__9 _413\"/>). Bor<span class=\"__9 _a_8\"/>tbokningen gjordes eftersom tillg\u00e5ngarna<span class=\"__9 _356\"> </span>hade f\u00f6rutbetalts a<span class=\"__9 _413\"/>v kunden eller s\u00e5lts. Posten innef<span class=\"__9 _348\"/>attar \u00e4v<span class=\"__9 _413\"/>en f\u00f6r\u00e4ndringar i verkligt<span class=\"__9 _356\"> </span>v\u00e4rde p\u00e5 r\u00e4n<span class=\"__9 _413\"/><span class=\"__9 _356\">tes\u00e4krade tillg\u00e5ngar v\u00e4rderade till upplupet anskaffningsv</span><span class=\"__9 _413\"/>\u00e4rde p\u00e5 motsva<span class=\"__9 _356\"> </span>-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">rande -2 052 mn euro (-552 mn euro</span><span class=\"__9 _413\"/>) och r\u00e4nta p\u00e5 instrument som v\u00e4r<span class=\"__9 _348\"/>derats till upplu<span class=\"ls0_9\">-<span class=\"__9 _356\"> </span></span><span class=\"__9 _356\">pet anskaffningsv\u00e4rde i Lif</span><span class=\"__9 _413\"/><span class=\"__9 _356\">e &amp; Pension p\u00e5 motsvarande 112 mn euro (110 mn eur</span><span class=\"__9 _348\"/>o).<span class=\"__9 _356\"> </span>3)   <span class=\"__9 _c_8\"/>Posten innefa<span class=\"__9 _413\"/>ttar huvudsakligen f\u00f6r\u00e4ndringar i verkligt v\u00e4rde p\u00e5 r\u00e4n<span class=\"__9 _413\"/>tes\u00e4krade skul<span class=\"__9 _356\"> </span>-<span class=\"__9 _356\"> </span>der v\u00e4rderade till upplupet anska<span class=\"__9 _413\"/><span class=\"__9 _356\">ffningsv\u00e4rde p\u00e5 motsvarande 7 598 mn euro<span class=\"__9 _356\"> </span></span><span class=\"__9 _356\">(1 966 mn euro).<span class=\"__9 _356\"> </span></span>4)   <span class=\"__9 _c_8\"/>Posten innefa<span class=\"__9 _413\"/>ttar huvudsakligen f\u00f6r\u00e4ndringar i f\u00f6rs\u00e4kringstekniska a<span class=\"__9 _413\"/>vs\u00e4ttningar i<span class=\"__9 _356\"> </span>Life &amp; Pension p\u00e5 mos<span class=\"__9 _413\"/>tsvarande 1 317 mn euro (-1 004 mn euro) och f<span class=\"__9 _413\"/>\u00f6r\u00e4ndring av<span class=\"__9 _356\"> </span>\u00e5terb\u00e4ringsmedel i Life &amp; P<span class=\"__9 _413\"/>ension p\u00e5 motsvarande 306 mn euro (-1 061 mn euro)<span class=\"__9 _356\"> </span>.<span class=\"__9 _356\"> </span>Int\u00e4k<span class=\"__9 _413\"/>tsredovisning livf\u00f6rs\u00e4kring<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _b8_1\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Aktierela<span class=\"__9 _413\"/>terade instrument<span class=\"__9 _c6_1\"> </span>-1 422<span class=\"__9 _1e_5\"> </span><span class=\"ls2_8 ws5_8\">1<span class=\"__9 _a_8\"/> 7<span class=\"__9 _a_8\"/>24<span class=\"__9 _356\"> </span></span>R\u00e4nterela<span class=\"__9 _413\"/>terade instrument och<span class=\"__9 _356\"> </span>valutakursf<span class=\"__9 _413\"/>\u00f6r\u00e4ndringar<span class=\"__9 _436\"> </span>-461<span class=\"__9 _367\"> </span><span class=\"ls2_8 ws5_8\">-29<span class=\"__9 _356\"> </span></span>F\u00f6rvaltningsf<span class=\"__9 _413\"/>astigheter <span class=\"__9 _4b_1\"> </span>-41<span class=\"__9 _381\"> </span>198<span class=\"__9 _356\"> </span>F\u00f6r\u00e4ndring a<span class=\"__9 _413\"/>v f\u00f6rs\u00e4kringstekniska a<span class=\"__9 _413\"/>vs\u00e4ttningar<span class=\"__9 _367\"> </span>1 562<span class=\"__9 _379\"> </span>-863<span class=\"__9 _356\"> </span>F\u00f6r\u00e4ndring a<span class=\"__9 _413\"/>v \u00e5terb\u00e4ringsmedel<span class=\"__9 _c7_1\"> </span>372<span class=\"__9 _5a_1\"> </span>-987<span class=\"__9 _356\"> </span>Int\u00e4k<span class=\"__9 _413\"/>ter f\u00f6rs\u00e4kringsrisk<span class=\"__9 _435\"> </span>80<span class=\"__9 _387\"> </span><span class=\"ls13_7 ws15_8\">73<span class=\"__9 _356\"> </span></span>Kostnader f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsrisk<span class=\"__9 _c8_2\"> </span><span class=\"ls2_8 ws5_8\">-29<span class=\"__9 _364\"> </span><span class=\"ls3_8 ws6_8\">-19<span class=\"__9 _356\"> </span></span></span>Summa<span class=\"__9 _c9_2\"> </span>61<span class=\"__9 _375\"> </span><span class=\"ls14_7 ws16_8\">97<span class=\"__9 _356\"> </span></span>Int\u00e4k<span class=\"__9 _413\"/>terna fr\u00e5n livf\u00f6rs\u00e4kringsverksamhet<span class=\"__9 _348\"/>en utg\u00f6rs huvudsakli-<span class=\"__9 _356\"> </span>gen av:<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span>kostnadsre<span class=\"__9 _348\"/>sultat<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">resulta<span class=\"__9 _413\"/>t fr\u00e5n f\u00f6rs\u00e4kringsrisk<span class=\"__9 _356\"> </span></span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">vinstdelning p\u00e5 risk<span class=\"__9 _413\"/>- och avkastningsresul<span class=\"__9 _413\"/>tat<span class=\"__9 _356\"> </span></span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">avkas<span class=\"__9 _413\"/>tning p\u00e5 ytterligare kapital i<span class=\"__9 _356\"> </span></span>livf\u00f6rs\u00e4kringsverksamheten.<span class=\"__9 _356\"> </span>Resulta<span class=\"__9 _413\"/>t fr\u00e5n dessa komponent<span class=\"__9 _413\"/>er, med undan<span class=\"__9 _413\"/>tag f\u00f6r kostnads-<span class=\"__9 _356\"> </span>resulta<span class=\"__9 _413\"/>t och vinstdelning p\u00e5 risk- och a<span class=\"__9 _413\"/>vkastningsresultat f<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _356\"> </span>fondf<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsavtal och \ufb01nansiella avt<span class=\"__9 _348\"/>al, ing\u00e5r i \u201dNettoresulta<span class=\"__9 _413\"/>t<span class=\"__9 _356\"> </span>av pos<span class=\"__9 _413\"/>ter till verkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Kostnadsr<span class=\"__9 _413\"/>esultatet utg\u00f6rs a<span class=\"__9 _348\"/>v ett av<span class=\"__9 _413\"/>giftsuttag fr\u00e5n f\u00f6rs\u00e4k<span class=\"__9 _413\"/>-<span class=\"__9 _356\"> </span>ringstagarna och ing\u00e5r i post<span class=\"__9 _413\"/>en \u201d<span class=\"__9 _413\"/>A<span class=\"__9 _413\"/>vgifts- och provisionsin<span class=\"__9 _413\"/>t\u00e4k-<span class=\"__9 _356\"> </span>ter<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _357\"/>, tillsammans med vinstdelningen p\u00e5 risk- och a<span class=\"__9 _413\"/>vkastnings-<span class=\"__9 _356\"> </span>resulta<span class=\"__9 _413\"/>t f\u00f6r fondf<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>s\u00e4kringsa<span class=\"__9 _348\"/>vtal och \ufb01nansiella avt<span class=\"__9 _413\"/>al<span class=\"__9 _a_8\"/>. Motsva<span class=\"__9 _413\"/>-<span class=\"__9 _356\"> </span>rande kos<span class=\"__9 _348\"/>tnader ing\u00e5r i posterna \u201d<span class=\"__9 _357\"/>A<span class=\"__9 _413\"/>vgifts- och<span class=\"__9 _356\"> </span>provisionskos<span class=\"__9 _413\"/>tnader<span class=\"__9 _425\"/>\u201d och \u201dR\u00f6relsek<span class=\"__9 _348\"/>ostnader<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _357\"/>. F\u00f6rs\u00e4kringstaga-<span class=\"__9 _356\"> </span>rens andel a<span class=\"__9 _413\"/>v ett positivt eller negativt kostnadsresulta<span class=\"__9 _413\"/>t (vinst-<span class=\"__9 _356\"> </span>delning) ing\u00e5r i posten \u201dF<span class=\"__9 _413\"/>\u00f6r\u00e4ndring av f<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>s\u00e4kringstekniska<span class=\"__9 _356\"> </span>avs\u00e4<span class=\"__9 _413\"/>ttningar<span class=\"__9 _425\"/>\u201d i tabellen ovan.<span class=\"__9 _356\"> </span>Resulta<span class=\"__9 _413\"/>tet av f<span class=\"__9 _348\"/>\u00f6rs\u00e4kringsrisker utg\u00f6rs av in<span class=\"__9 _413\"/>t\u00e4kter fr<span class=\"__9 _413\"/>\u00e5n enskil-<span class=\"__9 _356\"> </span>da riskprodukt<span class=\"__9 _413\"/>er och fr\u00e5n f\u00f6rs\u00e4kringsdelen i enskilda livf\u00f6rs\u00e4k<span class=\"__9 _413\"/>-<span class=\"__9 _356\"> </span>ringsavtal <span class=\"__9 _348\"/>samt sjuk<span class=\"__9 _413\"/>- och olycksfallsf<span class=\"__9 _413\"/>\u00f6rs\u00e4kringar. Riskpr<span class=\"__9 _413\"/>emierna<span class=\"__9 _356\"> </span>f\u00f6r<span class=\"__9 _348\"/>delas \u00f6ver f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsperioden och avs\u00e4ttningarna minskar i<span class=\"__9 _356\"> </span>takt med a<span class=\"__9 _413\"/>tt f\u00f6rs\u00e4kringsrisken avtar<span class=\"__9 _357\"/>. En stor del av riskr<span class=\"__9 _413\"/>esulta-<span class=\"__9 _356\"> </span>tet fr\u00e5n tr<span class=\"__9 _413\"/>aditionella liv<span class=\"__9 _a_8\"/>f\u00f6rs\u00e4kringsa<span class=\"__9 _413\"/>vtal omfa<span class=\"__9 _348\"/>ttas a<span class=\"__9 _348\"/>v vinstdel-<span class=\"__9 _356\"> </span>ning, vilket inneb\u00e4r att f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringstagarna erh\u00e5ller en del av<span class=\"__9 _356\"> </span>nettoint\u00e4k<span class=\"__9 _413\"/>terna eller nettounderskottet. Riskint\u00e4k<span class=\"__9 _413\"/>terna och<span class=\"__9 _356\"> </span>riskkostnaderna bruttor<span class=\"__9 _413\"/>edovisas under posterna \u201dInt\u00e4k<span class=\"__9 _413\"/>ter f\u00f6r-<span class=\"__9 _356\"> </span>s\u00e4kringsrisk\u201d och \u201dKostnader f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsrisk\u201d i tabellen. F\u00f6r-<span class=\"__9 _356\"> </span>s\u00e4kringstagarnas andel a<span class=\"__9 _413\"/>v resultatet redo<span class=\"__9 _413\"/>visas under posten<span class=\"__9 _356\"> </span>\u201dF\u00f6r<span class=\"__9 _413\"/>\u00e4ndring av f\u00f6rs\u00e4kringst<span class=\"__9 _348\"/>ekniska avs\u00e4<span class=\"__9 _413\"/>ttningar<span class=\"__9 _425\"/>\u201d i samma<span class=\"__9 _356\"> </span>tabell.<span class=\"__9 _356\"> </span>Vinster och f<span class=\"__9 _413\"/>\u00f6rluster fr\u00e5n plac<span class=\"__9 _348\"/>eringar inom Life &amp; P<span class=\"__9 _413\"/>ension<span class=\"__9 _356\"> </span>f\u00f6r<span class=\"__9 _348\"/>delas p\u00e5 respek<span class=\"__9 _348\"/>tive post i tabellen, pr<span class=\"__9 _413\"/>ecis som andra place-<span class=\"__9 _356\"> </span>ringar i Nordea. Pos<span class=\"__9 _413\"/>terna omfatt<span class=\"__9 _348\"/>ar avk<span class=\"__9 _348\"/>astning p\u00e5 tillg\u00e5ngar<span class=\"__9 _356\"> </span>som ska t\u00e4cka skulder till f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringstagarna och avkas<span class=\"__9 _348\"/>tning<span class=\"__9 _356\"> </span>p\u00e5 ytterligare kapital som allok<span class=\"__9 _413\"/>erats till Life &amp; P<span class=\"__9 _413\"/>ension (eget<span class=\"__9 _356\"> </span>kapital i Life &amp; P<span class=\"__9 _413\"/>ension).<span class=\"__9 _356\"> </span>Post<span class=\"__9 _413\"/>en \u201dF\u00f6r\u00e4ndring a<span class=\"__9 _413\"/>v f\u00f6rs\u00e4kringstekniska a<span class=\"__9 _348\"/>vs\u00e4ttningar<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _356\"> </span>innefa<span class=\"__9 _413\"/>ttar:<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">A<span class=\"__9 _413\"/>vkastning p\u00e5 tillg\u00e5ngar som h\u00e5lls f\u00f6r att t\u00e4ck<span class=\"__9 _348\"/>a skulder till<span class=\"__9 _356\"> </span></span>f\u00f6rs\u00e4kringstagarna (inkl<span class=\"__9 _413\"/>usive skulder fr\u00e5n traditionella<span class=\"__9 _356\"> </span>livf\u00f6rs\u00e4kringsavt<span class=\"__9 _413\"/>al<span class=\"__9 _a_8\"/>, fondf<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsavtal och \ufb01nansiella avtal),<span class=\"__9 _356\"> </span>som \u00f6verf<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>s individuellt till f<span class=\"__9 _348\"/>\u00f6rs\u00e4kringstagarnas kon<span class=\"__9 _413\"/>ton i<span class=\"__9 _a_8\"/> enlighet med deras a<span class=\"__9 _413\"/>vtal<span class=\"__9 _a_8\"/>.<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">Ytterligare \u00e5terb\u00e4ring (<span class=\"__9 _348\"/>diskretion\u00e4r del) till f<span class=\"__9 _348\"/>\u00f6rs\u00e4kringstagarna<span class=\"__9 _356\"> </span></span>avseende tr<span class=\"__9 _413\"/>aditionella liv<span class=\"__9 _a_8\"/>f\u00f6rs\u00e4kringsa<span class=\"__9 _413\"/>vtal eller andra \u00f6verf<span class=\"__9 _348\"/>\u00f6rin<span class=\"ls0_9 ws0_9\">-<span class=\"__9 _356\"> </span></span>gar till f\u00f6rs\u00e4kringstagarna f<span class=\"__9 _413\"/>\u00f6r att t\u00e4cka tillf\u00e4lliga undersko<span class=\"__9 _413\"/>tt<span class=\"__9 _a_8\"/> mellan placeringsresult<span class=\"__9 _348\"/>at och even<span class=\"__9 _413\"/>tuell avtalad minimif<span class=\"__9 _413\"/>\u00f6rm\u00e5n.<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">Vinstdelning p\u00e5 risk- och a<span class=\"__9 _413\"/>vkastningsresulta<span class=\"__9 _413\"/>t f\u00f6r traditionella<span class=\"__9 _356\"> </span></span>livf\u00f6rs\u00e4kringsproduk<span class=\"__9 _413\"/>ter i enlighet med lokala f\u00f6rdelningsregler<span class=\"__9 _356\"> </span>i respek<span class=\"__9 _348\"/>tive Lif<span class=\"__9 _413\"/>e &amp; Pension-enhet och g\u00e4llande avtal med<span class=\"__9 _356\"> </span>f\u00f6rs\u00e4kringstagarna. R<span class=\"__9 _413\"/>edovisningen av vinst<span class=\"__9 _413\"/>delningen i<span class=\"__9 _356\"> </span>K2.4  Summa nettoresultat av pos<span class=\"__9 _413\"/>ter till verkligt v\u00e4rde, forts.<span class=\"__9 _356\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExpenseExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-565": {
   "value": "R\u00e4nta utg\u00f6rs av ers\u00e4ttning f\u00f6r pengars tidsv\u00e4rde plus en mar- ginal. Effektivr\u00e4ntan motsvarar den r\u00e4nta som anv\u00e4nds f\u00f6r att diskontera f\u00f6rv\u00e4ntade framtida kassafl\u00f6den till redovisat v\u00e4rde p\u00e5 den \ufb01nansiella tillg\u00e5ngen eller skulden vid f\u00f6rsta redovisningstillf\u00e4llet. R\u00e4nteint\u00e4kter och r\u00e4ntekostnader ber\u00e4knas och redovisas med effektivr\u00e4ntemetoden eller, om s\u00e5 anses l\u00e4mpligt, med en metod som ger en rimlig uppskattning av vad en ber\u00e4k- ning grundad p\u00e5 effektivr\u00e4ntemetoden skulle ge. Effektivr\u00e4n- tan innefattar avgifter som anses ing\u00e5 i effektivr\u00e4ntan f\u00f6r ett \ufb01nansiellt instrument (vanligen avgifter erh\u00e5llna som kom- pensation f\u00f6r risk). R\u00e4nteint\u00e4kter och r\u00e4ntekostnader fr\u00e5n \ufb01nansiella instrument klassi\ufb01ceras, med nedanst\u00e5ende undantag, som \u201dR\u00e4ntenetto\u201d. K3.17  Efterst\u00e4llda skulder  Redovisningsprinciper Efterst\u00e4llda skulder \u00e4r \ufb01nansiella skulder f\u00f6r vilka det fram- g\u00e5r av avtalet att de i h\u00e4ndelse av likvidation eller konkurs  inte \u00e5terbetalas f\u00f6rr\u00e4n samtliga \u00e5taganden gentemot andra  fordrings\u00e4gare har fullgjorts.  F\u00f6r ytterligare redovisningsprinciper, se not K3.1 \u201dRedo- visning och bortbokning i balansr\u00e4kningen\u201d och not K3.3  \u201dKlassi\ufb01cering och v\u00e4rdering\u201d.  F\u00f6r en s\u00e4krad post i en s\u00e4kring av verkligt v\u00e4rde p\u00e5 mikro- niv\u00e5, v\u00e4rderas den s\u00e4krade risken till verkligt v\u00e4rde och redo - visas p\u00e5 raden \u201dF\u00f6r\u00e4ndringar av verkligt v\u00e4rde f\u00f6r mikros\u00e4k- ringar av r\u00e4nterisk\u201d i tabellen nedan (f\u00f6r ytterligare informa- tion, se not K3.6 \u201dS\u00e4kringsredovisning\u201d). F\u00f6r mer information  om de kritiska bed\u00f6mningar som kr\u00e4vs f\u00f6r att bed\u00f6ma om e n  efterst\u00e4lld skuld ska klassi\ufb01ceras som en skuld eller som ege t  kapital, se not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d . ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinanceCostsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-568": {
   "value": "R\u00e4ntekostnader Mn euro 2022 2021 Skulder till kreditinstitut -221 -35 In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten -957 -166 Emitterade v\u00e4rdepapper -2 376 -1 275 Efterst\u00e4llda skulder -252 -255 \u00d6vriga r\u00e4ntekostnader -14 -14 Netto betald eller erh\u00e5llen r\u00e4nta p\u00e5 derivatinstrument i s\u00e4kringar av skulder  346 578 R\u00e4ntekostnader -3 474 -1 167 K3.17  Efterst\u00e4llda skulder  Redovisningsprinciper Efterst\u00e4llda skulder \u00e4r \ufb01nansiella skulder f\u00f6r vilka det fram- g\u00e5r av avtalet att de i h\u00e4ndelse av likvidation eller konkurs  inte \u00e5terbetalas f\u00f6rr\u00e4n samtliga \u00e5taganden gentemot andra  fordrings\u00e4gare har fullgjorts.  F\u00f6r ytterligare redovisningsprinciper, se not K3.1 \u201dRedo- visning och bortbokning i balansr\u00e4kningen\u201d och not K3.3  \u201dKlassi\ufb01cering och v\u00e4rdering\u201d.  F\u00f6r en s\u00e4krad post i en s\u00e4kring av verkligt v\u00e4rde p\u00e5 mikro- niv\u00e5, v\u00e4rderas den s\u00e4krade risken till verkligt v\u00e4rde och redo - visas p\u00e5 raden \u201dF\u00f6r\u00e4ndringar av verkligt v\u00e4rde f\u00f6r mikros\u00e4k- ringar av r\u00e4nterisk\u201d i tabellen nedan (f\u00f6r ytterligare informa- tion, se not K3.6 \u201dS\u00e4kringsredovisning\u201d). F\u00f6r mer information  om de kritiska bed\u00f6mningar som kr\u00e4vs f\u00f6r att bed\u00f6ma om e n  efterst\u00e4lld skuld ska klassi\ufb01ceras som en skuld eller som ege t  kapital, se not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d . Efterst\u00e4llda skulder Mn euro 31 dec 2022 31 dec 202 1 K\u00e4rnprim\u00e4rkapital 2 600 2 44 7 Supplement\u00e4rt kapital 3 295 4 272 \u00d6vriga efterst\u00e4llda skulder 10 \u2013 F\u00f6r\u00e4ndringar av verkligt v\u00e4rde f\u00f6r  mikros\u00e4kringar av r\u00e4nterisk -504 131 Summa 5 401 6 85 0 F\u00f6r mer information, se not M3.14 \u201cEfterst\u00e4llda skulder\u201d . ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceCostExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-569": {
   "value": "R\u00e4ntekostnader Mn euro 2022 2021 Skulder till kreditinstitut -221 -35 In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten -957 -166 Emitterade v\u00e4rdepapper -2 376 -1 275 Efterst\u00e4llda skulder -252 -255 \u00d6vriga r\u00e4ntekostnader -14 -14 Netto betald eller erh\u00e5llen r\u00e4nta p\u00e5 derivatinstrument i s\u00e4kringar av skulder  346 578 R\u00e4ntekostnader -3 474 -1 167 K3.17  Efterst\u00e4llda skulder Redovisningsprinciper Efterst\u00e4llda skulder \u00e4r \ufb01nansiella skulder f\u00f6r vilka det fram- g\u00e5r av avtalet att de i h\u00e4ndelse av likvidation eller konkurs inte \u00e5terbetalas f\u00f6rr\u00e4n samtliga \u00e5taganden gentemot andra fordrings\u00e4gare har fullgjorts. F\u00f6r ytterligare redovisningsprinciper, se not K3.1 \u201dRedo- visning och bortbokning i balansr\u00e4kningen\u201d och not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d. F\u00f6r en s\u00e4krad post i en s\u00e4kring av verkligt v\u00e4rde p\u00e5 mikro- niv\u00e5, v\u00e4rderas den s\u00e4krade risken till verkligt v\u00e4rde och redo visas p\u00e5 raden \u201dF\u00f6r\u00e4ndringar av verkligt v\u00e4rde f\u00f6r mikros\u00e4k- ringar av r\u00e4nterisk\u201d i tabellen nedan (f\u00f6r ytterligare informa- tion, se not K3.6 \u201dS\u00e4kringsredovisning\u201d). F\u00f6r mer information om de kritiska bed\u00f6mningar som kr\u00e4vs f\u00f6r att bed\u00f6ma om e efterst\u00e4lld skuld ska klassi\ufb01ceras som en skuld eller som ege kapital, se not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d . Efterst\u00e4llda skulder Mn euro 31 dec 2022 31 dec 202 K\u00e4rnprim\u00e4rkapital 2 600 2 44 Supplement\u00e4rt kapital 3 295 4 272 \u00d6vriga efterst\u00e4llda skulder 10 \u2013 F\u00f6r\u00e4ndringar av verkligt v\u00e4rde f\u00f6r mikros\u00e4kringar av r\u00e4nterisk -504 131 Summa 5 401 6 85 F\u00f6r mer information, se not M3.14 \u201cEfterst\u00e4llda skulder\u201d . ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceIncomeExpenseExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-570": {
   "value": "<div class=\"t_9 m0_9 h5_8 ff1_9 fs3_8 fc0_9 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:243.74875px;\">K2.3  A<span class=\"__9 _413\"/>vgifts- och pro<span class=\"__9 _413\"/>visionsnetto<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h6_8 ff1_9 fs4_8 fc1_8 sc0_9 ls0_9 ws0_9\" style=\"left:7.3724365px; bottom:216.69183px;\">Redovisningsprinciper </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:192.10767px;\">Nordea har provisionsin<span class=\"__9 _413\"/>t\u00e4kter fr<span class=\"__9 _413\"/>\u00e5n olika typer av tj\u00e4nster som </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:178.58246px;\">tillhandah\u00e5lls kunder<span class=\"__9 _413\"/>. Hur provisionsin<span class=\"__9 _413\"/>t\u00e4kterna redovisas </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:165.05728px;\">beror p\u00e5 i vilket syfte a<span class=\"__9 _413\"/>vgiften tas ut.<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:12.897705px; bottom:151.53207px;\">Huvuddelen av in<span class=\"__9 _413\"/>t\u00e4kterna som klassi\ufb01cer<span class=\"__9 _413\"/>ats som \u201dProvi-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:138.00687px;\">sionsint\u00e4k<span class=\"__9 _413\"/>ter<span class=\"__9 _a_8\"/>\u201d avser int\u00e4k<span class=\"__9 _413\"/>ter fr\u00e5n a<span class=\"__9 _413\"/>vtal med kunder enligt </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:124.481674px;\">IFRS 15. A<span class=\"__9 _357\"/>vgiftsint\u00e4kt<span class=\"__9 _348\"/>er redovisas n\u00e4r eller i tak<span class=\"__9 _413\"/>t med att ett </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:110.95647px;\">f\u00f6r<span class=\"__9 _348\"/>etag har fullgjort sina \u00e5taganden, an<span class=\"__9 _413\"/>tingen \u00f6ver tid eller </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:97.431274px;\">vid en speci\ufb01k tidpunkt.<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:12.897705px; bottom:83.90607px;\">Utl\u00e5ningsav<span class=\"__9 _413\"/><span class=\"__9 _356\">gifter som inte ing\u00e5r i den eff</span><span class=\"__9 _413\"/>ektiva r\u00e4n<span class=\"__9 _413\"/>tan f\u00f6r </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:70.380875px;\">ett \ufb01nansiellt instrumen<span class=\"__9 _413\"/>t redovisas n\u00e4r \u00e5tagandet har </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:56.855667px;\">fullgjorts.</div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:12.897705px; bottom:43.330475px;\"> A<span class=\"__9 _357\"/>vgifter som erh\u00e5lls i samband med bilaterala tr<span class=\"__9 _413\"/>ansaktio-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:29.805267px;\">ner redovisas normalt s<span class=\"__9 _348\"/>om en del av det \ufb01nansiella ins<span class=\"__9 _413\"/>tru-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:16.280075px;\"><span class=\"__9 _356\">mentets eff</span><span class=\"__9 _413\"/>ektiva r<span class=\"__9 _348\"/>\u00e4nta. <span class=\"__9 _413\"/>Av<span class=\"__9 _413\"/>gifter fr\u00e5n syndikerade l\u00e5n r<span class=\"__9 _413\"/>edovi-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.0023498535px; bottom:2.7548676px;\">sas antingen som en del a<span class=\"__9 _413\"/><span class=\"__9 _356\">v den effektiv</span><span class=\"__9 _413\"/>a r\u00e4ntan p\u00e5 Nordeas<span class=\"__9 _356\"> </span> </div>del eller<span class=\"__9 _413\"/>, om Nordea fungera<span class=\"__9 _413\"/>t som agentbank, som en avgifts<span class=\"__9 _356\"> </span>-<span class=\"__9 _356\"> </span>int\u00e4k<span class=\"__9 _413\"/>t<span class=\"__9 _a_8\"/>. Om av<span class=\"__9 _348\"/>giftsint\u00e4k<span class=\"__9 _413\"/>ten avser b\u00e5de och, grundas den a<span class=\"__9 _413\"/>vgift <span class=\"__9 _356\">som ing\u00e5r i den effek</span><span class=\"__9 _413\"/>tiva r\u00e4nt<span class=\"__9 _348\"/>an p\u00e5 den marginal som erh\u00e5l-<span class=\"__9 _356\"> </span>lits fr\u00e5n de \u00f6<span class=\"__9 _348\"/>vriga parterna i arrangemanget.<span class=\"__9 _356\"> </span>R\u00f6rliga a<span class=\"__9 _413\"/>vgifter<span class=\"__9 _413\"/>, s\u00e5som resultatr<span class=\"__9 _348\"/>elater<span class=\"__9 _348\"/>ade av<span class=\"__9 _413\"/>gifter<span class=\"__9 _348\"/>, redovi-<span class=\"__9 _356\"> </span>sas endast i den utstr<span class=\"__9 _413\"/>\u00e4ckning det \u00e4r mycket sannolikt a<span class=\"__9 _348\"/>tt ingen v\u00e4sen<span class=\"__9 _413\"/>tlig \u00e5terf\u00f6ring av de ack<span class=\"__9 _413\"/>umulerade, redovisade beloppen kommer att ske. Provisionskos<span class=\"__9 _413\"/>tnader som avser en viss period kostnadsf<span class=\"__9 _413\"/>\u00f6rs under den perioden, medan transak<span class=\"__9 _348\"/>tionsav<span class=\"__9 _413\"/>gifter redovisas n\u00e4r tj\u00e4nsterna erh\u00e5lls.<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vgifts- och provisionsnetto<span class=\"__9 _356\"> </span>1,2<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _438\"> </span>2022<span class=\"__9 _3a_4\"> </span>2021<span class=\"__9 _356\"> </span>Provisioner fr<span class=\"__9 _413\"/>\u00e5n kapitalf\u00f6rvaltning<span class=\"__9 _439\"> </span>1 733<span class=\"__9 _376\"> </span>1 845<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v int\u00e4kter <span class=\"__9 _440\"> </span>2 082<span class=\"__9 _5b_1\"> </span>2 216<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v kostnader <span class=\"__9 _441\"> </span>-349<span class=\"__9 _3a_4\"> </span>-371<span class=\"__9 _356\"> </span>Provisioner fr<span class=\"__9 _413\"/>\u00e5n liv<span class=\"__9 _a_8\"/>f\u00f6rs\u00e4kring och pensioner<span class=\"__9 _442\"> </span><span class=\"lsb_8 wsd_8\">2<span class=\"__9 _a_8\"/>74<span class=\"__9 _1b_5\"> </span></span>273<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v int\u00e4kter <span class=\"__9 _443\"> </span>296<span class=\"__9 _379\"> </span>299<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v kostnader <span class=\"__9 _444\"> </span><span class=\"ls2_8 ws5_8\">-22<span class=\"__9 _383\"> </span>-26<span class=\"__9 _356\"> </span></span>Inl\u00e5ningsprodukt<span class=\"__9 _348\"/>er<span class=\"__9 _445\"> </span><span class=\"lsc_8 wse_8\">25<span class=\"__9 _361\"> </span>25<span class=\"__9 _356\"> </span></span>- vara<span class=\"__9 _413\"/>v int\u00e4kter <span class=\"__9 _446\"> </span><span class=\"lsc_8 wse_8\">25<span class=\"__9 _361\"> </span>25<span class=\"__9 _356\"> </span></span>Courtage, v\u00e4rdepappersemissioner och f\u00f6retags\ufb01nansiering<span class=\"__9 _356\"> </span>173<span class=\"__9 _379\"> </span><span class=\"ls0_9 ws0_9\">269<span class=\"__9 _356\"> </span></span>- vara<span class=\"__9 _413\"/>v int\u00e4kter <span class=\"__9 _443\"> </span>306<span class=\"__9 _f_8\"> </span>421<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v kostnader <span class=\"__9 _447\"> </span>-133<span class=\"__9 _1e_5\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _a_8\"/>52<span class=\"__9 _356\"> </span></span>Dep\u00e5- och emissionstj\u00e4ns<span class=\"__9 _348\"/>ter<span class=\"__9 _9a_1\"> </span>18<span class=\"__9 _367\"> </span>35<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v int\u00e4kter <span class=\"__9 _7c_1\"> </span>63<span class=\"__9 _381\"> </span>88<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v kostnader <span class=\"__9 _9b_1\"> </span>-45<span class=\"__9 _399\"> </span>-53<span class=\"__9 _356\"> </span><span class=\"__9 _356\">Betalningar1</span><span class=\"__9 _9c_2\"> </span><span class=\"lsd_7 wsf_8\">252<span class=\"__9 _379\"> </span></span>2<span class=\"__9 _a_8\"/>36<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v int\u00e4kter <span class=\"__9 _9d_1\"> </span>372<span class=\"__9 _5a_1\"> </span>362<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v kostnader <span class=\"__9 _9e_1\"> </span>-120<span class=\"__9 _1e_5\"> </span>-126<span class=\"__9 _356\"> </span>Kor<span class=\"__9 _a_8\"/>t<span class=\"__9 _9f_1\"> </span><span class=\"ls0_9 ws0_9\">306<span class=\"__9 _379\"> </span>250<span class=\"__9 _356\"> </span></span>- vara<span class=\"__9 _413\"/>v int\u00e4kter <span class=\"__9 _9d_1\"> </span>427<span class=\"__9 _2b_3\"> </span>349<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v kostnader <span class=\"__9 _a0_1\"> </span>-121<span class=\"__9 _363\"> </span>-99<span class=\"__9 _356\"> </span>Utl\u00e5ningsprodukt<span class=\"__9 _348\"/>er<span class=\"__9 _a1_1\"> </span>477<span class=\"__9 _379\"> </span>478<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v int\u00e4kter <span class=\"__9 _443\"> </span>502<span class=\"__9 _379\"> </span>505<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v kostnader <span class=\"__9 _440\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _a_8\"/>5<span class=\"__9 _365\"> </span>-27<span class=\"__9 _356\"> </span></span>Garantier <span class=\"__9 _a2_1\"> </span>101<span class=\"__9 _f_8\"> </span>102<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v int\u00e4kter <span class=\"__9 _9d_1\"> </span><span class=\"ls3_8 ws6_8\">144<span class=\"__9 _363\"> </span></span>138<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v kostnader <span class=\"__9 _9b_1\"> </span><span class=\"ls4_8 ws7_8\">-43<span class=\"__9 _363\"> </span></span>-36<span class=\"__9 _356\"> </span>\u00d6vrigt<span class=\"__9 _a3_1\"> </span><span class=\"ls2_8 ws5_8\">-23<span class=\"__9 _365\"> </span><span class=\"ls3_8 ws6_8\">-18<span class=\"__9 _356\"> </span></span></span>- vara<span class=\"__9 _413\"/>v int\u00e4kter <span class=\"__9 _6d_1\"> </span>61<span class=\"__9 _381\"> </span>69<span class=\"__9 _356\"> </span>- vara<span class=\"__9 _413\"/>v kostnader <span class=\"__9 _a4_1\"> </span>-84<span class=\"__9 _1b_5\"> </span>-87<span class=\"__9 _356\"> </span>Summa<span class=\"__9 _a2_1\"> </span>3 336<span class=\"__9 _2a_3\"> </span>3 495<span class=\"__9 _356\"> </span>1) A<span class=\"__9 _413\"/>vgifts-och provisionint\u00e4nkt<span class=\"__9 _348\"/>er fr\u00e5n \ufb01nansiella tillg\u00e5ngar och skulder som in<span class=\"__9 _413\"/>te v\u00e4rn-<span class=\"__9 _356\"> </span>deras till v\u00e4rkligt v\u00e4r<span class=\"__9 _348\"/>de via reslutatr<span class=\"__9 _348\"/>\u00e4kningen och som inte ing\u00e5r i ber\u00e4kningen a<span class=\"__9 _413\"/>v <span class=\"__9 _356\">effek</span><span class=\"__9 _348\"/>tiv r\u00e4nta uppg\u00e5r till 456 mn euro (<span class=\"__9 _413\"/>460 mn euro).<span class=\"__9 _356\"> </span>2) A<span class=\"__9 _413\"/>vgifts- och provisionsint\u00e4k<span class=\"__9 _413\"/>ter fr\u00e5n f\u00f6rvaltningsverksamhet som resul<span class=\"__9 _413\"/>terar i innehav eller placering i tillg\u00e5ngar f\u00f6r kunders r<span class=\"__9 _348\"/>\u00e4kning och som inte ing\u00e5r i ber\u00e4kningen a<span class=\"__9 _413\"/>v <span class=\"__9 _356\">effek</span><span class=\"__9 _348\"/>tiv r\u00e4nta uppg\u00e5r till 2 684 mn euro (2 936 mn eur<span class=\"__9 _413\"/>o). Motsvarande belopp f\u00f6r avgifts- och pr<span class=\"__9 _348\"/>ovisionskostnader \u00e4r -<span class=\"__9 _413\"/>22 mn euro (-25 mn euro).<span class=\"__9 _356\"> </span>K2.3  Avgifts- och pro<span class=\"__9 _413\"/>visionsnetto, forts.<span class=\"__9 _356\"> </span>Provision fr<span class=\"__9 _413\"/>\u00e5n kapitalf\u00f6rvaltning redo<span class=\"__9 _413\"/>visas normalt \u00f6ver tid i takt med a<span class=\"__9 _413\"/>tt tj\u00e4nster utf\u00f6rs, och brukar baseras p\u00e5 f<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>valt<span class=\"__9 _348\"/>at kapital. Dessa av<span class=\"__9 _413\"/>gifter redovisas fortl\u00f6pande eftersom belop-<span class=\"__9 _356\"> </span>pet (och r\u00e4<span class=\"__9 _413\"/>tten att erh\u00e5lla avgift<span class=\"__9 _413\"/>en) st\u00e5r i relation till det v\u00e4rde som k<span class=\"__9 _413\"/>unden erh\u00e5ller. <span class=\"__9 _413\"/>A<span class=\"__9 _413\"/>vgifterna redovisas varje m\u00e5nad n\u00e4r marknadsv\u00e4rdet f<span class=\"__9 _413\"/>\u00f6r det f\u00f6rvaltade kapitalet har f<span class=\"__9 _413\"/>ast-<span class=\"__9 _356\"> </span>st\u00e4llts. R<span class=\"__9 _413\"/>\u00f6rliga avgifter som baser<span class=\"__9 _413\"/>as p\u00e5 relativ utveckling i f\u00f6r-<span class=\"__9 _356\"> </span>h\u00e5llande till ett j\u00e4mf<span class=\"__9 _413\"/>\u00f6relseindex \u00e4r s\u00e4llsynt<span class=\"__9 _348\"/>a. Os\u00e4kerheten kring r\u00f6rliga a<span class=\"__9 _413\"/>vgifter skingras normalt \u00e5tmins<span class=\"__9 _348\"/>tone p\u00e5 varje balansdag och av<span class=\"__9 _413\"/>giftsint\u00e4kten kan r<span class=\"__9 _413\"/>edovisas. Beloppet kan inte r<span class=\"__9 _413\"/>edovisas om utfallet \u00e4nnu \u00e4r os\u00e4kert och kan p\u00e5v<span class=\"__9 _413\"/>erkas av marknadsutv<span class=\"__9 _413\"/>ecklingen.<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vgifts- och provisionsin<span class=\"__9 _413\"/>t\u00e4kter fr\u00e5n liv- och pensionsv<span class=\"__9 _413\"/>erk-<span class=\"__9 _356\"> </span>samheten utg\u00f6rs a<span class=\"__9 _348\"/>v s\u00e5 kallade av<span class=\"__9 _413\"/>giftsuttag fr\u00e5n f\u00f6rs\u00e4krings-<span class=\"__9 _356\"> </span>tagare och vinst<span class=\"__9 _348\"/>delning p\u00e5 risk- och a<span class=\"__9 _413\"/>vkastningsresulta<span class=\"__9 _413\"/>t f\u00f6r fondf<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsavtal och \ufb01nansiella avt<span class=\"__9 _348\"/>al. A<span class=\"__9 _413\"/>vgiftsint<span class=\"__9 _348\"/>\u00e4kten redovisas \u00f6v<span class=\"__9 _413\"/>er tid i takt med att tj\u00e4nst<span class=\"__9 _348\"/>erna utf\u00f6rs. F<span class=\"__9 _413\"/>\u00f6r ytterli-<span class=\"__9 _356\"> </span>gare inf<span class=\"__9 _413\"/>ormation om int\u00e4k<span class=\"__9 _413\"/>tsredovisning f\u00f6r f<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>s\u00e4kringspro-<span class=\"__9 _356\"> </span>dukter<span class=\"__9 _357\"/>, se not K2.4 \u201dSumma nettoresult<span class=\"__9 _348\"/>at a<span class=\"__9 _413\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vgifter i kategorierna \u201dInl\u00e5ningspr<span class=\"__9 _413\"/>odukter<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _413\"/>, \u201dCourtage, v\u00e4rdepappersemissioner och f<span class=\"__9 _413\"/>\u00f6retags\ufb01nansiering\u201d<span class=\"__9 _413\"/>, \u201dDep\u00e5- och emissionstj\u00e4nster\u201d samt \u201dBetalningar<span class=\"__9 _a_8\"/>\u201d redovisas b\u00e5de \u00f6ver tid och vid en viss tidpunk<span class=\"__9 _413\"/>t<span class=\"__9 _a_8\"/>, beroende p\u00e5 n\u00e4r \u00e5tagandena fullg\u00f6rs. A<span class=\"__9 _357\"/>vgifterna som avser c<span class=\"__9 _413\"/>our<span class=\"__9 _a_8\"/>tage, v\u00e4rdepappersemis-<span class=\"__9 _356\"> </span>sioner och f\u00f6r<span class=\"__9 _348\"/>etags\ufb01nansiering \u00e4r fr\u00e4ms<span class=\"__9 _413\"/>t transaktionsbase-<span class=\"__9 _356\"> </span>rade och a<span class=\"__9 _413\"/>vser r\u00e5dgivning eller utf\u00f6rande a<span class=\"__9 _413\"/>v kundorder g\u00e4l-<span class=\"__9 _356\"> </span>lande v\u00e4rdepapper<span class=\"__9 _357\"/>, d\u00e4r tj\u00e4nsterna redovisas vid den tidpunk<span class=\"__9 _413\"/>t d\u00e5 tj\u00e4nsterna rela<span class=\"__9 _413\"/>terade till transaktionerna har sl<span class=\"__9 _413\"/>utf\u00f6rts. Betalningsprovisioner innef<span class=\"__9 _413\"/>attar av<span class=\"__9 _413\"/>gifter f\u00f6r cash manage-<span class=\"__9 _356\"> </span>ment och betalningsl\u00f6sningar<span class=\"__9 _357\"/>, vilka redovisas \u00f6ver tid, sam<span class=\"__9 _413\"/>t transak<span class=\"__9 _348\"/>tionsbaserade a<span class=\"__9 _413\"/>vgifter f\u00f6r tj\u00e4ns<span class=\"__9 _348\"/>ter som inrikes- och utlandsbetalningar<span class=\"__9 _413\"/>, vilka redovisas vid en viss tidpunk<span class=\"__9 _413\"/>t<span class=\"__9 _a_8\"/>. Korta<span class=\"__9 _413\"/>vgifter delas in i kategorierna f<span class=\"__9 _348\"/>\u00f6rmedlingsav<span class=\"__9 _413\"/>gifter<span class=\"__9 _348\"/>, som redovisas n\u00e4r k<span class=\"__9 _413\"/>unden anv\u00e4nder tj\u00e4nsten, och a<span class=\"__9 _413\"/>vgifter f\u00f6r kortinnehav<span class=\"__9 _348\"/>are, som redo<span class=\"__9 _413\"/>visas \u00f6ver tid eller vid en viss tid-<span class=\"__9 _356\"> </span>punkt om a<span class=\"__9 _413\"/>vgiften \u00e4r transak<span class=\"__9 _348\"/>tionsbaserad. Utl\u00e5ningsav<span class=\"__9 _413\"/>gifter redovisas n\u00e4r \u00e5tagandet har fullgjorts, det vill s\u00e4ga n\u00e4r transak<span class=\"__9 _348\"/>tionen har genomf<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>ts, s\u00e5vida de in<span class=\"__9 _413\"/>te <span class=\"__9 _356\">ing\u00e5r i den effek</span><span class=\"__9 _413\"/>tiva r\u00e4ntan f<span class=\"__9 _413\"/>\u00f6r det \ufb01nansiella instrumentet. Int\u00e4k<span class=\"__9 _413\"/>ter f\u00f6r utst\u00e4llda \ufb01nansiella gar<span class=\"__9 _413\"/>antier samt kos<span class=\"__9 _348\"/>tnader f\u00f6r k<span class=\"__9 _348\"/>\u00f6pta \ufb01nansiella garan<span class=\"__9 _413\"/>tier<span class=\"__9 _413\"/>, f\u00f6rdelas \u00f6ver ins<span class=\"__9 _413\"/>trumentets l\u00f6ptid och klassi\ufb01cer<span class=\"__9 _348\"/>as som \u201d<span class=\"__9 _357\"/>A<span class=\"__9 _413\"/>vgifts- och provisionsin<span class=\"__9 _413\"/>t\u00e4kter<span class=\"__9 _a_8\"/>\u201d respek<span class=\"__9 _348\"/>tive \u201d<span class=\"__9 _357\"/>A<span class=\"__9 _413\"/>vgifts- och provisionsk<span class=\"__9 _348\"/>ostnader<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _357\"/>. \u00d6vriga av<span class=\"__9 _413\"/>giftsint\u00e4kter \u00e4r normal<span class=\"__9 _348\"/>t transak<span class=\"__9 _348\"/>tionsbaserade.<span class=\"__9 _356\"> </span>F\u00f6r tr<span class=\"__9 _413\"/>ansaktionsbaserade tj\u00e4nster s<span class=\"__9 _348\"/>om utf\u00f6rs vid en viss tidpunkt erh\u00e5lls betalning omedelbart i samband med att tj\u00e4nsterna utf<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>s. F\u00f6r tj\u00e4ns<span class=\"__9 _413\"/>ter som utf\u00f6rs \u00f6ver tid g\u00e4ller nor-<span class=\"__9 _356\"> </span>malt en kortare period. Ex<span class=\"__9 _413\"/>empel p\u00e5 s\u00e5dana tj\u00e4nster \u00e4r betal-<span class=\"__9 _356\"> </span>ningstj\u00e4nster s<span class=\"__9 _413\"/>om l\u00f6per per m\u00e5nad eller kapitalf\u00f6rvaltnings-<span class=\"__9 _356\"> </span>tj\u00e4nster som l\u00f6per per m\u00e5nad eller per kv<span class=\"__9 _413\"/>ar<span class=\"__9 _a_8\"/>tal. F\u00f6r tj\u00e4nst<span class=\"__9 _348\"/>er som utf\u00f6rs \u00f6v<span class=\"__9 _413\"/>er tid uppst\u00e5r r\u00e4tten till ers\u00e4ttning i sl<span class=\"__9 _348\"/>utet a<span class=\"__9 _348\"/>v varje period n\u00e4r \u00e5tagandena \u00e4r f<span class=\"__9 _413\"/>ullgjorda och det \u00e4r mycket sannolikt a<span class=\"__9 _348\"/>tt ingen v\u00e4sen<span class=\"__9 _413\"/>tlig \u00e5terf\u00f6ring av ers\u00e4<span class=\"__9 _348\"/>ttningen kom-<span class=\"__9 _356\"> </span>mer att ske. Kundf<span class=\"__9 _348\"/>ordringar redovisas under \u201d\u00d6vriga till<span class=\"__9 _348\"/>g\u00e5ngar<span class=\"__9 _a_8\"/>\u201d medan \u00e4nnu ej debiterade a<span class=\"__9 _413\"/>vgifter f\u00f6r uppfyllda pr<span class=\"__9 _413\"/>estations\u00e5tagan-<span class=\"__9 _356\"> </span>den och avtals<span class=\"__9 _413\"/>tillg\u00e5ngar redovisas under \u201dF\u00f6rutbetalda k<span class=\"__9 _413\"/>ost-<span class=\"__9 _356\"> </span>nader och upplupna int\u00e4k<span class=\"__9 _413\"/>ter<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _413\"/>. Kortfristiga f<span class=\"__9 _413\"/>\u00f6r<span class=\"__9 _a_8\"/>skott som erh\u00e5l<span class=\"__9 _413\"/>-<span class=\"__9 _356\"> </span>lits, men d\u00e4r presta<span class=\"__9 _413\"/>tions\u00e5tagandena \u00e4nnu inte har uppfyll<span class=\"__9 _348\"/>ts, redovisas under \u201dUpplupna k<span class=\"__9 _413\"/>ostnader och f\u00f6rutbetalda int\u00e4k<span class=\"__9 _413\"/>ter<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>Provisionskos<span class=\"__9 _413\"/>tnader \u00e4r normalt transaktionsbaser<span class=\"__9 _348\"/>ade och redovisas i den period d\u00e5 tj\u00e4ns<span class=\"__9 _348\"/>terna erh\u00e5lls.<span class=\"__9 _356\"> </span><div class=\"t_9 m0_9 h8_8 ff1_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:470.84802px;\"><span class=\"__9 _356\">Nedbrytning per aff\u00e4rsomr</span><span class=\"__9 _348\"/>\u00e5de<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:434.81403px;\">2022, mn euro</div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:222.23853px; bottom:444.56403px;\"> Personal </div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:225.97473px; bottom:434.81403px;\">Banking<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:286.94733px; bottom:444.56403px;\">Business </div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:288.62433px; bottom:434.81403px;\">Banking<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:356.9367px; bottom:454.31403px;\">Large </div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:330.15933px; bottom:444.56403px;\">Corporates &amp; </div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:335.56473px; bottom:434.81403px;\">Institutions<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws12_8\" style=\"left:386.00732px; bottom:444.56403px;\">Asset &amp; Wealth </div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:391.56873px; bottom:434.81403px;\">Management<span class=\"__9 _a5_2\"> </span>Group Finance<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:531.8361px; bottom:444.56403px;\">\u00d6vrigt &amp; </div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:512.4843px; bottom:434.81403px;\">elimineringar<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:593.6901px; bottom:444.56403px;\">Nordea <span class=\"__9 _c_8\"/> </div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:598.4013px; bottom:434.81403px;\">Group<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:417.9638px;\">Provisioner fr<span class=\"__9 _413\"/>\u00e5n kapitalf\u00f6rvaltning<span class=\"__9 _a6_2\"> </span>560<span class=\"__9 _6a_1\"> </span>88<span class=\"__9 _4f_1\"> </span>8<span class=\"__9 _387\"> </span>1 077<span class=\"__9 _4d_1\"> </span>0<span class=\"__9 _4f_1\"> </span>0<span class=\"__9 _367\"> </span>1 733<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:401.92957px;\">Provisioner fr<span class=\"__9 _413\"/>\u00e5n liv<span class=\"__9 _a_8\"/>f\u00f6rs\u00e4kring och pensioner<span class=\"__9 _a7_2\"> </span>209<span class=\"__9 _373\"> </span>85<span class=\"__9 _4e_1\"> </span>4<span class=\"__9 _369\"> </span><span class=\"ls2_8 ws5_8\">-24<span class=\"__9 _a8_2\"> </span></span>0<span class=\"__9 _4e_1\"> </span>0<span class=\"__9 _1f_5\"> </span><span class=\"lsb_8 wsd_8\">2<span class=\"__9 _a_8\"/>74<span class=\"__9 _356\"> </span></span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:385.83167px;\">Inl\u00e5ningsprodukt<span class=\"__9 _348\"/>er<span class=\"__9 _443\"> </span>6<span class=\"__9 _4e_1\"> </span>18<span class=\"__9 _a9_2\"> </span>1<span class=\"__9 _4d_1\"> </span>0<span class=\"__9 _4d_1\"> </span>0<span class=\"__9 _4f_1\"> </span>0<span class=\"__9 _382\"> </span><span class=\"lsc_8 wse_8\">25<span class=\"__9 _356\"> </span></span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls3_8 ws0_9\" style=\"left:4.2144775px; bottom:369.7975px;\">Courtage, v\u00e4rdepappersemissioner och </div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls3_8 ws6_8\" style=\"left:4.2144775px; bottom:358.75012px;\">f\u00f6retags\ufb01nansiering<span class=\"__9 _440\"> </span><span class=\"ls4_8 ws7_8\">23<span class=\"__9 _4e_1\"> </span><span class=\"ls0_9 ws0_9\">37<span class=\"__9 _374\"> </span>99<span class=\"__9 _373\"> </span>26<span class=\"__9 _4f_1\"> </span>-6<span class=\"__9 _396\"> </span>-6<span class=\"__9 _2f_3\"> </span></span></span>173<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls3_8 ws0_9\" style=\"left:4.2144775px; bottom:342.71588px;\">Dep\u00e5- och emissionstj\u00e4ns<span class=\"__9 _348\"/>ter<span class=\"__9 _412\"> </span><span class=\"ls0_9\">4<span class=\"__9 _aa_1\"> </span>5<span class=\"__9 _396\"> </span></span><span class=\"ws6_8\">17<span class=\"__9 _aa_1\"> </span></span><span class=\"ls0_9\">5<span class=\"__9 _ab_1\"> </span></span><span class=\"ws6_8\">-13<span class=\"__9 _4e_1\"> </span></span><span class=\"ls0_9\">0<span class=\"__9 _5f_1\"> </span>18<span class=\"__9 _356\"> </span></span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls3_8 ws6_8\" style=\"left:4.2144775px; bottom:326.6817px;\">Betalningar <span class=\"__9 _ac_1\"> </span>17<span class=\"__9 _369\"> </span>157<span class=\"__9 _382\"> </span><span class=\"ls0_9 ws0_9\">82<span class=\"__9 _ad_1\"> </span>1<span class=\"__9 _4d_1\"> </span>0<span class=\"__9 _ab_1\"> </span>-5<span class=\"__9 _372\"> </span><span class=\"lsd_7 wsf_8\">2<span class=\"__9 _a_8\"/>52<span class=\"__9 _356\"> </span></span></span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 lsf_7 ws13_8\" style=\"left:4.2144775px; bottom:310.64752px;\">Kor<span class=\"__9 _a_8\"/>t<span class=\"__9 _ae_2\"> </span><span class=\"ls2_8 ws5_8\">246<span class=\"__9 _373\"> </span><span class=\"ls0_9 ws0_9\">49<span class=\"__9 _369\"> </span>10<span class=\"__9 _4d_1\"> </span>0<span class=\"__9 _ad_1\"> </span>1<span class=\"__9 _4e_1\"> </span>0<span class=\"__9 _1d_5\"> </span>306<span class=\"__9 _356\"> </span></span></span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls3_8 ws6_8\" style=\"left:4.2144775px; bottom:294.61328px;\">Utl\u00e5ningsprodukt<span class=\"__9 _348\"/>er<span class=\"__9 _9b_1\"> </span><span class=\"ls0_9 ws0_9\">121<span class=\"__9 _382\"> </span>167<span class=\"__9 _370\"> </span>185<span class=\"__9 _a8_2\"> </span>6<span class=\"__9 _a7_2\"> </span>1<span class=\"__9 _ab_1\"> </span>-3<span class=\"__9 _370\"> </span>477<span class=\"__9 _356\"> </span></span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:278.5791px;\">Garantier och dok<span class=\"__9 _413\"/>umentbetalningar<span class=\"__9 _af_2\"> </span>8<span class=\"__9 _373\"> </span>26<span class=\"__9 _382\"> </span>65<span class=\"__9 _4d_1\"> </span>0<span class=\"__9 _4d_1\"> </span>0<span class=\"__9 _b0_1\"> </span>2<span class=\"__9 _2f_3\"> </span>101<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:262.54492px;\">\u00d6vrigt<span class=\"__9 _b1_1\"> </span>9<span class=\"__9 _aa_1\"> </span>7<span class=\"__9 _1c_5\"> </span><span class=\"ls3_8 ws6_8\">-13<span class=\"__9 _396\"> </span>-18<span class=\"__9 _b0_1\"> </span></span>-5<span class=\"__9 _ab_1\"> </span>-3<span class=\"__9 _2e_3\"> </span><span class=\"ls2_8 ws5_8\">-23<span class=\"__9 _356\"> </span></span></div><div class=\"t_9 m0_9 hb_8 ff3_8 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:246.51068px;\">Summa<span class=\"__9 _b2_2\"> </span>1 203<span class=\"__9 _1c_5\"> </span>639<span class=\"__9 _1d_5\"> </span>458<span class=\"__9 _375\"> </span>1 073<span class=\"__9 _5f_1\"> </span><span class=\"ls2_8 ws5_8\">-22<span class=\"__9 _1c_5\"> </span><span class=\"ls3_8 ws6_8\">-15<span class=\"__9 _381\"> </span></span></span>3 336<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:190.13824px;\">2021, mn euro</div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:222.23853px; bottom:199.88824px;\"> Personal </div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:225.97473px; bottom:190.13824px;\">Banking<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:286.94733px; bottom:199.88824px;\">Business </div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:288.62433px; bottom:190.13824px;\">Banking<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:356.9367px; bottom:209.63824px;\">Large </div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:330.15933px; bottom:199.88824px;\">Corporates &amp; </div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:335.56473px; bottom:190.13824px;\">Institutions<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws12_8\" style=\"left:386.00732px; bottom:199.88824px;\">Asset &amp; Wealth </div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:391.56873px; bottom:190.13824px;\">Management<span class=\"__9 _a5_2\"> </span>Group Finance<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:531.8361px; bottom:199.88824px;\">\u00d6vrigt &amp; </div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:512.4843px; bottom:190.13824px;\">elimineringar<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:593.6901px; bottom:199.88824px;\">Nordea <span class=\"__9 _c_8\"/> </div><div class=\"t_9 m0_9 h9_8 ff1_9 fs6_8 fc3_5 sc0_9 ls0_9 ws0_9\" style=\"left:598.4013px; bottom:190.13824px;\">Group<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:173.54791px;\">Provisioner fr<span class=\"__9 _413\"/>\u00e5n kapitalf\u00f6rvaltning<span class=\"__9 _a6_2\"> </span>605<span class=\"__9 _397\"> </span>98<span class=\"__9 _4e_1\"> </span>4<span class=\"__9 _358\"> </span>1 138<span class=\"__9 _a8_2\"> </span>0<span class=\"__9 _4e_1\"> </span>0<span class=\"__9 _381\"> </span>1 845<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:157.51373px;\">Provisioner fr<span class=\"__9 _413\"/>\u00e5n liv<span class=\"__9 _a_8\"/>f\u00f6rs\u00e4kring och pensioner<span class=\"__9 _7b_1\"> </span>227<span class=\"__9 _397\"> </span>85<span class=\"__9 _4f_1\"> </span>4<span class=\"__9 _382\"> </span><span class=\"ls4_8 ws7_8\">-43<span class=\"__9 _4d_1\"> </span></span>0<span class=\"__9 _4e_1\"> </span>0<span class=\"__9 _370\"> </span>27<span class=\"__9 _a_8\"/>3<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:141.47955px;\">Inl\u00e5ningsprodukt<span class=\"__9 _348\"/>er<span class=\"__9 _9d_1\"> </span>7<span class=\"__9 _4f_1\"> </span><span class=\"ls3_8 ws6_8\">17<span class=\"__9 _390\"> </span></span>1<span class=\"__9 _4d_1\"> </span>0<span class=\"__9 _4d_1\"> </span>0<span class=\"__9 _4e_1\"> </span>0<span class=\"__9 _369\"> </span><span class=\"lsc_8 wse_8\">25<span class=\"__9 _356\"> </span></span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls3_8 ws0_9\" style=\"left:4.2144775px; bottom:125.44531px;\">Courtage, v\u00e4rdepappersemissioner och </div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls3_8 ws6_8\" style=\"left:4.2144775px; bottom:114.39795px;\">f\u00f6retags\ufb01nansiering<span class=\"__9 _444\"> </span><span class=\"ls0_9 ws0_9\">18<span class=\"__9 _397\"> </span>58<span class=\"__9 _372\"> </span>180<span class=\"__9 _373\"> </span>34<span class=\"__9 _390\"> </span></span>-1<span class=\"__9 _2f_3\"> </span><span class=\"ls2_8 ws5_8\">-20<span class=\"__9 _394\"> </span><span class=\"ls0_9 ws0_9\">269<span class=\"__9 _356\"> </span></span></span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls3_8 ws0_9\" style=\"left:4.2144775px; bottom:98.36371px;\">Dep\u00e5- och emissionstj\u00e4ns<span class=\"__9 _348\"/>ter<span class=\"__9 _412\"> </span><span class=\"ls0_9\">4<span class=\"__9 _aa_1\"> </span>5<span class=\"__9 _369\"> </span>22<span class=\"__9 _a8_2\"> </span>3<span class=\"__9 _b0_1\"> </span>-9<span class=\"__9 _369\"> </span>10<span class=\"__9 _369\"> </span>35<span class=\"__9 _356\"> </span></span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls3_8 ws6_8\" style=\"left:4.2144775px; bottom:82.32953px;\">Betalningar <span class=\"__9 _a2_1\"> </span><span class=\"ls0_9 ws0_9\">15<span class=\"__9 _5f_1\"> </span></span>151<span class=\"__9 _5f_1\"> </span><span class=\"ls0_9 ws0_9\">75<span class=\"__9 _a7_2\"> </span>1<span class=\"__9 _a8_2\"> </span>0<span class=\"__9 _5f_1\"> </span>-6<span class=\"__9 _372\"> </span>236<span class=\"__9 _356\"> </span></span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 lsf_7 ws13_8\" style=\"left:4.2144775px; bottom:66.29535px;\">Kor<span class=\"__9 _a_8\"/>t<span class=\"__9 _ae_2\"> </span><span class=\"ls0_9 ws0_9\">203<span class=\"__9 _397\"> </span>40<span class=\"__9 _4e_1\"> </span>6<span class=\"__9 _ad_1\"> </span>1<span class=\"__9 _4d_1\"> </span>0<span class=\"__9 _4e_1\"> </span>0<span class=\"__9 _394\"> </span>250<span class=\"__9 _356\"> </span></span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls3_8 ws6_8\" style=\"left:4.2144775px; bottom:50.26111px;\">Utl\u00e5ningsprodukt<span class=\"__9 _348\"/>er<span class=\"__9 _445\"> </span><span class=\"ls0_9 ws0_9\">125<span class=\"__9 _382\"> </span>156<span class=\"__9 _370\"> </span>193<span class=\"__9 _a8_2\"> </span>5<span class=\"__9 _ad_1\"> </span>1<span class=\"__9 _ab_1\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _372\"> </span></span>478<span class=\"__9 _356\"> </span></span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:34.22693px;\">Garantier och dok<span class=\"__9 _413\"/>umentbetalningar<span class=\"__9 _af_2\"> </span>9<span class=\"__9 _4e_1\"> </span>27<span class=\"__9 _368\"> </span><span class=\"ls6_8 ws9_8\">64<span class=\"__9 _4d_1\"> </span></span>0<span class=\"__9 _aa_1\"> </span>2<span class=\"__9 _4e_1\"> </span>0<span class=\"__9 _370\"> </span>102<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 ha_8 ff2_9 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:18.192749px;\">\u00d6vrigt<span class=\"__9 _b3_1\"> </span>10<span class=\"__9 _4d_1\"> </span>6<span class=\"__9 _6a_1\"> </span><span class=\"ls5_8 ws8_8\">-7<span class=\"__9 _396\"> </span><span class=\"ls2_8 ws5_8\">-27<span class=\"__9 _a9_2\"> </span></span></span>-3<span class=\"__9 _4f_1\"> </span>3<span class=\"__9 _2e_3\"> </span><span class=\"ls3_8 ws6_8\">-18<span class=\"__9 _356\"> </span></span></div><div class=\"t_9 m0_9 hb_8 ff3_8 fs0_9 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:4.2144775px; bottom:2.1585388px;\">Summa<span class=\"__9 _b4_1\"> </span>1 223<span class=\"__9 _1c_5\"> </span><span class=\"ls4_8 ws7_8\">643<span class=\"__9 _b5_2\"> </span></span>542<span class=\"__9 _1d_5\"> </span>1 112<span class=\"__9 _5f_1\"> </span><span class=\"ls3_8 ws6_8\">-10<span class=\"__9 _2e_3\"> </span>-15<span class=\"__9 _380\"> </span></span>3 495<span class=\"__9 _356\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFeeAndCommissionIncomeExpenseExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-571": {
   "value": "K2.3  Avgifts- och provisionsnetto Redovisningsprinciper Nordea har provisionsint\u00e4kter fr\u00e5n olika typer av tj\u00e4nster som tillhandah\u00e5lls kunder. Hur provisionsint\u00e4kterna redovisas beror p\u00e5 i vilket syfte avgiften tas ut. Huvuddelen av int\u00e4kterna som klassi\ufb01cerats som \u201dProvi- sionsint\u00e4kter\u201d avser int\u00e4kter fr\u00e5n avtal med kunder enligt IFRS 15. Avgiftsint\u00e4kter redovisas n\u00e4r eller i takt med att ett f\u00f6retag har fullgjort sina \u00e5taganden, antingen \u00f6ver tid eller vid en speci\ufb01k tidpunkt. Utl\u00e5ningsavgifter som inte ing\u00e5r i den effektiva r\u00e4ntan f\u00f6r ett \ufb01nansiellt instrument redovisas n\u00e4r \u00e5tagandet har fullgjorts. Avgifter som erh\u00e5lls i samband med bilaterala transaktio- ner redovisas normalt som en del av det \ufb01nansiella instru- mentets effektiva r\u00e4nta. Avgifter fr\u00e5n syndikerade l\u00e5n redovi- sas antingen som en del av den effektiva r\u00e4ntan p\u00e5 Nordeas del eller, om Nordea fungerat som agentbank, som en avgifts - int\u00e4kt. Om avgiftsint\u00e4kten avser b\u00e5de och, grundas den avgift som ing\u00e5r i den effektiva r\u00e4ntan p\u00e5 den marginal som erh\u00e5l- lits fr\u00e5n de \u00f6vriga parterna i arrangemanget. R\u00f6rliga avgifter, s\u00e5som resultatrelaterade avgifter, redovi- sas endast i den utstr\u00e4ckning det \u00e4r mycket sannolikt att ingen v\u00e4sentlig \u00e5terf\u00f6ring av de ackumulerade, redovisade beloppen kommer att ske. Provisionskostnader som avser en viss period kostnadsf\u00f6rs under den perioden, medan transaktionsavgifter redovisas n\u00e4r tj\u00e4nsterna erh\u00e5lls",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFeeAndCommissionIncomeAndExpenseExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-573": {
   "value": "K2.4 <span class=\"__9 _b6_2\"> </span> <span class=\"__9 _b7_2\"/>Summa nettoresul<span class=\"__9 _413\"/>tat a<span class=\"__9 _413\"/>v poster till v<span class=\"__9 _413\"/>erkligt v\u00e4rde<span class=\"__9 _356\"> </span>Redovsningsprinciper<span class=\"__9 _356\"> </span> Nettoresul<span class=\"__9 _413\"/>tat av post<span class=\"__9 _413\"/>er till verkligt v\u00e4rde<span class=\"__9 _356\"> </span>Realiserade och or<span class=\"__9 _413\"/>ealiserade vinster och f<span class=\"__9 _348\"/>\u00f6rluster p\u00e5 \ufb01nansiella<span class=\"__9 _356\"> </span> instrument och f<span class=\"__9 _413\"/>\u00f6rvaltningsfastighet<span class=\"__9 _413\"/>er v\u00e4rderade till verkligt<span class=\"__9 _356\"> </span> v\u00e4rde r<span class=\"__9 _348\"/>edovisas normalt under \u201dNettor<span class=\"__9 _413\"/>esultat av pos<span class=\"__9 _413\"/>ter till verkligt<span class=\"__9 _a_8\"/> v\u00e4rde\u201d<span class=\"__9 _357\"/>. F\u00f6r in<span class=\"__9 _413\"/>formation om de redovisningsprinciper som an<span class=\"__9 _413\"/>v\u00e4nds<span class=\"__9 _a_8\"/> vid ber\u00e4kning a<span class=\"__9 _413\"/>v verkligt v\u00e4rde, se not K3.4 \u201dV<span class=\"__9 _413\"/>erkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span> Dessutom ing\u00e5r f<span class=\"__9 _348\"/>\u00f6ljande poster i \u201dNettor<span class=\"__9 _413\"/>esultat av pos<span class=\"__9 _413\"/>ter till<span class=\"__9 _356\"> </span> verkligt v\u00e4r<span class=\"__9 _348\"/>de\u201d:<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter och r\u00e4n<span class=\"__9 _413\"/>tekostnader<span class=\"__9 _413\"/>, h\u00e4nf<span class=\"__9 _413\"/>\u00f6rliga till \ufb01nansierin<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span></span>gen av v<span class=\"__9 _413\"/>erksamheten inom Markets och Life &amp; Pension (sam<span class=\"__9 _413\"/>t<span class=\"__9 _356\"> </span> en portf\u00f6lj med r\u00e4n<span class=\"__9 _413\"/>teb\u00e4rande v\u00e4rdepapper i Lif<span class=\"__9 _413\"/>e &amp; Pension)<span class=\"__9 _356\"> </span> v\u00e4rder<span class=\"__9 _413\"/><span class=\"__9 _356\">ade till upplupet anskaffningsv\u00e4rde.<span class=\"__9 _356\"> </span></span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">Realiserade vins<span class=\"__9 _413\"/>ter/f\u00f6rl<span class=\"__9 _348\"/>uster p\u00e5 tillg\u00e5ngar och sk<span class=\"__9 _348\"/>ulder<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>v\u00e4rder<span class=\"__9 _413\"/><span class=\"__9 _356\">ade till upplupet anskaffningsv\u00e4rde.<span class=\"__9 _356\"> </span></span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\"> Omv\u00e4r<span class=\"__9 _348\"/>deringen av s\u00e4kr<span class=\"__9 _413\"/>ade risker i s\u00e4krade poster i<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>s\u00e4kringsredovisningen.<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span>V<span class=\"__9 _413\"/>alutakursf\u00f6r<span class=\"__9 _413\"/>\u00e4ndringar<span class=\"__9 _356\"> </span> \u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">F\u00f6r<span class=\"__9 _413\"/>\u00e4ndringar i skulder till f\u00f6rs\u00e4kringstagare och riskr<span class=\"__9 _348\"/>esultat<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>fr\u00e5n f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsavtal inom Life &amp; P<span class=\"__9 _413\"/>ension redovisas enligt<span class=\"__9 _356\"> </span> IFRS 4 (se ytterligare in<span class=\"__9 _413\"/>formation nedan).<span class=\"__9 _356\"> </span>F\u00f6ljande pos<span class=\"__9 _413\"/>ter ing\u00e5r inte i \u201dNettoresul<span class=\"__9 _348\"/>tat a<span class=\"__9 _413\"/>v poster till verkligt<span class=\"__9 _356\"> </span> v\u00e4rde\u201d:<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">R\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat som an<span class=\"__9 _413\"/>v\u00e4nds f\u00f6r s\u00e4kringsredo<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span></span>visning och ekonomiska s\u00e4kringar<span class=\"__9 _413\"/>. Dessa komponen<span class=\"__9 _348\"/>ter<span class=\"__9 _356\"> </span> redovisas under \u201dR\u00e4n<span class=\"__9 _413\"/>tenetto\u201d f\u00f6r att s\u00e4k<span class=\"__9 _348\"/>erst\u00e4lla redovis<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>ningsm\u00e4ssig \u00f6verenss<span class=\"__9 _413\"/>t\u00e4mmelse med de s\u00e4krade posterna.<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">F\u00f6rlus<span class=\"__9 _413\"/>ter fr\u00e5n motpartsrisk p\u00e5 utl\u00e5ning i portf\u00f6ljer som h\u00e5lls<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>till f\u00f6rf<span class=\"__9 _348\"/>all och obligatorisk<span class=\"__9 _413\"/>t v\u00e4rderas till verkligt v<span class=\"__9 _348\"/>\u00e4rde (uppf<span class=\"__9 _413\"/><span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>yller inte krit<span class=\"__9 _413\"/>eriet att kassafl\u00f6det enbart ska utg\u00f6ras av bet<span class=\"__9 _348\"/>al<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>ning av kapit<span class=\"__9 _348\"/>albelopp och r\u00e4n<span class=\"__9 _348\"/>ta) redovisas under den separ<span class=\"__9 _413\"/>at<span class=\"__9 _356\"> </span> posten \u201dNettor<span class=\"__9 _413\"/>esultat av utl\u00e5ning i portf<span class=\"__9 _348\"/>\u00f6ljer som h\u00e5lls till f\u00f6r<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>fall och obliga<span class=\"__9 _348\"/>toriskt v<span class=\"__9 _413\"/>\u00e4rderas till verkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Int\u00e4k<span class=\"__9 _413\"/>tsredovisningen och beteckningarna f\u00f6r de pos<span class=\"__9 _413\"/>ter som<span class=\"__9 _356\"> </span> avser livf<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsverksamheten beskrivs under \u201dInt\u00e4k<span class=\"__9 _413\"/>tsredo<span class=\"__9 _a_8\"/>-<span class=\"__9 _356\"> </span>visning livf\u00f6rs\u00e4kring\u201d nedan.<span class=\"__9 _356\"> </span>F\u00f6r fler r<span class=\"__9 _413\"/>edovisningsprinciper avseende valut<span class=\"__9 _348\"/>akursf\u00f6r<span class=\"__9 _413\"/>\u00e4nd-<span class=\"__9 _356\"> </span>ringar<span class=\"__9 _413\"/>, se not K1 \u201dRedovisningsprinciper\u201d och not K9.2 \u201dV<span class=\"__9 _413\"/>aluta-<span class=\"__9 _356\"> </span>omr\u00e4kning a<span class=\"__9 _413\"/>v utl\u00e4ndska f\u00f6retag/\ufb01lialer<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>Nettoresul<span class=\"__9 _413\"/>tat av utl\u00e5ning i portf<span class=\"__9 _348\"/>\u00f6ljer som h\u00e5lls till<span class=\"__9 _356\"> </span> f\u00f6rf<span class=\"__9 _413\"/>all och obligatoriskt v\u00e4r<span class=\"__9 _413\"/>deras till verkligt v\u00e4rde<span class=\"__9 _356\"> </span>Post<span class=\"__9 _413\"/>en \u201dNettoresultat a<span class=\"__9 _413\"/>v utl\u00e5ning i por<span class=\"__9 _a_8\"/>tf\u00f6ljer som h\u00e5lls till f<span class=\"__9 _413\"/>\u00f6r-<span class=\"__9 _356\"> </span>fall och obliga<span class=\"__9 _348\"/>toriskt v<span class=\"__9 _413\"/>\u00e4rderas till verkligt v\u00e4rde\u201d inkl<span class=\"__9 _413\"/>uderar jus-<span class=\"__9 _356\"> </span>teringar till verkligt v\u00e4r<span class=\"__9 _413\"/>de av marginalkomponen<span class=\"__9 _413\"/>ten f\u00f6r l\u00e5ne-<span class=\"__9 _356\"> </span>for<span class=\"__9 _348\"/>dringar i portf\u00f6ljer d\u00e4r a<span class=\"__9 _413\"/>vsikten \u00e4r att beh\u00e5lla instrumen<span class=\"__9 _413\"/>ten<span class=\"__9 _356\"> </span> till f\u00f6rf<span class=\"__9 _348\"/>all och d\u00e4r dessa m\u00e5ste v<span class=\"__9 _413\"/>\u00e4rderas till verkligt v\u00e4rde (upp-<span class=\"__9 _356\"> </span>fyller inte SPPI-krit<span class=\"__9 _413\"/>eriet). L\u00e5nefordringarna klassi\ufb01cer<span class=\"__9 _348\"/>as i kate-<span class=\"__9 _356\"> </span>gorin \u201dFinansiella tillg\u00e5ngar v\u00e4rder<span class=\"__9 _413\"/>ade till verkligt v\u00e4rde via<span class=\"__9 _356\"> </span> resulta<span class=\"__9 _413\"/>tr\u00e4kningen\u201d och redovisas under posten \u201dUtl\u00e5ning till<span class=\"__9 _356\"> </span> allm\u00e4nheten\u201d i balansr\u00e4kningen. Jus<span class=\"__9 _348\"/>teringar till verkligt v\u00e4r<span class=\"__9 _413\"/>de<span class=\"__9 _356\"> </span> avser f<span class=\"__9 _413\"/>r\u00e4mst f\u00f6r<span class=\"__9 _413\"/>\u00e4ndringar i kreditrisk.<span class=\"__9 _356\"> </span>F\u00f6rlus<span class=\"__9 _413\"/>ter fr\u00e5n motpartsrisk i instrumen<span class=\"__9 _413\"/>t som klassi\ufb01cerats i<span class=\"__9 _356\"> </span> kategorin \u201dFinansiella tillg\u00e5ngar v<span class=\"__9 _413\"/>\u00e4rderade till verkligt v\u00e4rde<span class=\"__9 _356\"> </span>via resulta<span class=\"__9 _413\"/>tr\u00e4kningen\u201d redovisas under \u201dNettoresul<span class=\"__9 _348\"/>tat a<span class=\"__9 _413\"/>v poste<span class=\"__9 _356\"> </span>r<span class=\"__9 _356\"> </span> till verkligt v\u00e4r<span class=\"__9 _348\"/>de\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Nedskrivningar avseende ins<span class=\"__9 _413\"/>trument i andra kategorier \u00e4n<span class=\"__9 _356\"> </span> \u201dFinansiella tillg\u00e5ngar v\u00e4rder<span class=\"__9 _413\"/>ade till verkligt v\u00e4rde via resulta<span class=\"__9 _413\"/>t-<span class=\"__9 _356\"> </span>r\u00e4kningen\u201d redo<span class=\"__9 _348\"/>visas under posten \u201dKreditf<span class=\"__9 _413\"/>\u00f6rluster<span class=\"__9 _413\"/>, netto\u201d<span class=\"__9 _357\"/>. F\u00f6r<span class=\"__9 _356\"> </span> ytterligare in<span class=\"__9 _348\"/>forma<span class=\"__9 _413\"/>tion, se not K2.9 \u201dKreditf\u00f6rlus<span class=\"__9 _413\"/>ter<span class=\"__9 _425\"/>\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__9 _413\"/>ttningar<span class=\"__9 _356\"> </span>Os\u00e4kerhet i uppskattningar \ufb01nns i samband med v<span class=\"__9 _413\"/>\u00e4rdering av<span class=\"__9 _356\"> </span> \ufb01nansiella instrument, fr<span class=\"__9 _348\"/>amf<span class=\"__9 _413\"/>\u00f6r allt f\u00f6r instrumen<span class=\"__9 _413\"/>t som saknar<span class=\"__9 _356\"> </span> noter<span class=\"__9 _348\"/>ade kurser och nyligen observerade marknadsk<span class=\"__9 _413\"/>ur<span class=\"__9 _a_8\"/>ser<span class=\"__9 _356\"> </span> <span class=\"__9 _356\">(instrument i niv</span><span class=\"__9 _413\"/>\u00e5 3). Se not K3.4 \u201dV<span class=\"__9 _348\"/>erkligt v\u00e4rde\u201d<span class=\"__9 _356\"> </span><span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Summa nettoresul<span class=\"__9 _413\"/>tat av post<span class=\"__9 _348\"/>er till verkligt v\u00e4r<span class=\"__9 _348\"/>de<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _b8_1\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Nettoresulta<span class=\"__9 _413\"/>t av poster till verkligt v\u00e4r<span class=\"__9 _413\"/>de<span class=\"__9 _b9_2\"> </span>721<span class=\"__9 _2b_3\"> </span>1 119<span class=\"__9 _356\"> </span>Nettoresulta<span class=\"__9 _413\"/>t av utl\u00e5ning i portf\u00f6ljer som h\u00e5lls till<span class=\"__9 _356\"> </span> f\u00f6rfall och obliga<span class=\"__9 _413\"/>toriskt v\u00e4rderas till v<span class=\"__9 _348\"/>erkligt v\u00e4rde<span class=\"__9 _365\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _a_8\"/>3<span class=\"__9 _375\"> </span></span>83<span class=\"__9 _356\"> </span>Summa<span class=\"__9 _350\"> </span>708<span class=\"__9 _360\"> </span>1 202<span class=\"__9 _356\"> </span>F\u00f6r<span class=\"__9 _413\"/>delning efter produkt<span class=\"__9 _356\"> </span>Mn euro<span class=\"__9 _b8_1\"> </span>2022<span class=\"__9 _399\"> </span>2021<span class=\"__9 _356\"> </span>Aktierela<span class=\"__9 _413\"/><span class=\"__9 _356\">terade instrument1</span><span class=\"__9 _ba_2\"> </span>431<span class=\"__9 _381\"> </span><span class=\"ls3_8 ws6_8\">570<span class=\"__9 _356\"> </span></span>R\u00e4nterela<span class=\"__9 _413\"/>terade instrument och<span class=\"__9 _356\"> </span> valutakursf<span class=\"__9 _413\"/><span class=\"__9 _356\">\u00f6r\u00e4ndringar2</span><span class=\"__9 _bb_2\"> </span><span class=\"ls2_8 ws5_8\">248<span class=\"__9 _381\"> </span></span>478<span class=\"__9 _356\"> </span>\u00d6vriga \ufb01nansiella instrument (inklusiv<span class=\"__9 _413\"/>e krediter<span class=\"__9 _356\"> </span> och r\u00e5<span class=\"__9 _348\"/>varor)<span class=\"__9 _bc_1\"> </span>-32<span class=\"__9 _387\"> </span><span class=\"ls3_8 ws6_8\">57<span class=\"__9 _356\"> </span></span>Nordea Life &amp; P<span class=\"__9 _413\"/><span class=\"__9 _356\">ension3<span class=\"__9 _356\"> </span></span>,<span class=\"__9 _356\"> </span><span class=\"__9 _356\">4</span><span class=\"__9 _bd_2\"> </span>61<span class=\"__9 _387\"> </span><span class=\"ls11_7 ws14_8\">97<span class=\"__9 _356\"> </span></span>Summa<span class=\"__9 _350\"> </span>708<span class=\"__9 _360\"> </span>1 202<span class=\"__9 _356\"> </span>1) Inkluderar f\u00f6rl<span class=\"__9 _348\"/>uster p\u00e5 8 mn euro fr<span class=\"__9 _413\"/>\u00e5n fondinnehav i Ryssland under 2022.<span class=\"__9 _356\"> </span>2) Inkluderar f\u00f6rl<span class=\"__9 _348\"/>ust fr\u00e5n \u00f6<span class=\"__9 _348\"/>verf\u00f6ringen a<span class=\"__9 _348\"/>v 529 mn euro i ackumulerade val<span class=\"__9 _348\"/>utakursf\u00f6rlus<span class=\"__9 _413\"/>ter<span class=\"__9 _356\"> </span> avseende verksamhet i R<span class=\"__9 _348\"/>yssland under 2022.<span class=\"__9 _356\"> </span>3)  <span class=\"__9 _c_8\"/>Interna transak<span class=\"__9 _348\"/>tioner har ej eliminerats mot andr<span class=\"__9 _348\"/>a rader i noten. Raden Nordea Lif<span class=\"__9 _413\"/>e &amp;<span class=\"__9 _356\"> </span> <span class=\"__9 _356\">Pension ger s\u00e5ledes den verkliga eff</span><span class=\"__9 _413\"/>ekten fr\u00e5n livf\u00f6rs\u00e4kringsverksamheten.<span class=\"__9 _356\"> </span> 4)   <span class=\"__9 _c_8\"/>Premieint\u00e4kter uppgick till 194 mn eur<span class=\"__9 _413\"/>o (306 mn euro).<span class=\"__9 _356\"> </span>Nettoresul<span class=\"__9 _413\"/>tat fr\u00e5n ka<span class=\"__9 _348\"/>tegorier a<span class=\"__9 _413\"/>v \ufb01nansiella instrument<span class=\"__9 _356\"> </span> Mn euro<span class=\"__9 _be_2\"> </span>2022<span class=\"__9 _e_8\"> </span>2021<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade till v<span class=\"__9 _413\"/>erkligt v\u00e4rde via<span class=\"__9 _356\"> </span> \u00f6vrigt totalr<span class=\"__9 _413\"/>esultat<span class=\"__9 _356\"> </span>-1 508<span class=\"__9 _5b_1\"> </span>-331<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar redan fr\u00e5n b\u00f6rjan v<span class=\"__9 _413\"/>\u00e4rderade<span class=\"__9 _356\"> </span> till verkligt v\u00e4rde via r<span class=\"__9 _413\"/>esultatr\u00e4kningen<span class=\"__9 _420\"> </span><span class=\"ls2_8 ws5_8\">-245<span class=\"__9 _383\"> </span><span class=\"ls4_8 ws7_8\">-4<span class=\"__9 _356\"> </span></span></span>Finansiella skulder redan fr<span class=\"__9 _413\"/>\u00e5n b\u00f6rjan v\u00e4rderade till<span class=\"__9 _356\"> </span> verkligt v\u00e4rde via r<span class=\"__9 _413\"/>esultatr\u00e4kningen<span class=\"__9 _356\"> </span>11 643<span class=\"__9 _bf_2\"> </span>-5 179<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar och skulder obligatorisk<span class=\"__9 _413\"/>t<span class=\"__9 _356\"> </span> v\u00e4rderade till v<span class=\"__9 _413\"/>erkligt v\u00e4rde via resultatr<span class=\"__9 _348\"/><span class=\"__9 _356\">\u00e4kningen1</span><span class=\"__9 _353\"> </span>-<span class=\"__9 _413\"/>16 97<span class=\"__9 _a_8\"/>3<span class=\"__9 _c0_2\"> </span>6 726<span class=\"__9 _356\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade till uppl<span class=\"__9 _413\"/>upet<span class=\"__9 _356\"> </span> anskaffningsv\u00e4r<span class=\"__9 _413\"/><span class=\"__9 _356\">de2</span><span class=\"__9 _c1_1\"> </span>-1 941<span class=\"__9 _385\"> </span>-<span class=\"__9 _a_8\"/>403<span class=\"__9 _356\"> </span>Finansiella skulder v\u00e4rder<span class=\"__9 _413\"/>ade till upplupet<span class=\"__9 _356\"> </span> anskaffningsv\u00e4r<span class=\"__9 _413\"/><span class=\"__9 _356\">de3</span><span class=\"__9 _404\"> </span>7 546<span class=\"__9 _c2_2\"> </span>1 947<span class=\"__9 _356\"> </span>V<span class=\"__9 _413\"/>alutakursf\u00f6r\u00e4ndringar<span class=\"__9 _413\"/>, exklusiv<span class=\"__9 _348\"/>e valutas\u00e4kringar<span class=\"__9 _379\"> </span>483<span class=\"__9 _362\"> </span>208<span class=\"__9 _356\"> </span><span class=\"__9 _356\">Icke finansiella tillg\u00e5ngar och skulder4</span><span class=\"__9 _c3_1\"> </span>1 703<span class=\"__9 _bf_2\"> </span><span class=\"ls3_8 ws6_8\">-1 76<span class=\"__9 _a_8\"/>2<span class=\"__9 _356\"> </span></span>Summa<span class=\"__9 _c4_1\"> </span>708<span class=\"__9 _c2_2\"> </span>1 202<span class=\"__9 _356\"> </span>1)   <span class=\"__9 _c_8\"/>Var<span class=\"__9 _348\"/>av periodiserade dag 1<span class=\"__9 _413\"/>-resultat uppg\u00e5r till 51 mn euro (54 mn euro<span class=\"__9 _348\"/>).<span class=\"__9 _356\"> </span>2)   <span class=\"__9 _c5_2\"/>Posten innef<span class=\"__9 _413\"/>attar vinster till f\u00f6ljd a<span class=\"__9 _348\"/>v bortbokning av \ufb01nansiella tillg\u00e5ngar v\u00e4rder<span class=\"__9 _348\"/>ade till<span class=\"__9 _356\"> </span> <span class=\"__9 _356\">upplupet anskaffningsv\u00e4r</span><span class=\"__9 _413\"/><span class=\"__9 _356\">de p\u00e5 mostsvarande 3 mn euro (9 mn euro) och f</span><span class=\"__9 _348\"/>\u00f6rluster p\u00e5<span class=\"__9 _356\"> </span> <span class=\"__9 _356\">motsvarande -4 mn euro (0 mn euro</span><span class=\"__9 _413\"/>). Bor<span class=\"__9 _a_8\"/>tbokningen gjordes eftersom tillg\u00e5ngarna<span class=\"__9 _356\"> </span> hade f\u00f6rutbetalts a<span class=\"__9 _413\"/>v kunden eller s\u00e5lts. Posten innef<span class=\"__9 _348\"/>attar \u00e4v<span class=\"__9 _413\"/>en f\u00f6r\u00e4ndringar i verkligt<span class=\"__9 _356\"> </span> v\u00e4rde p\u00e5 r\u00e4n<span class=\"__9 _413\"/><span class=\"__9 _356\">tes\u00e4krade tillg\u00e5ngar v\u00e4rderade till upplupet anskaffningsv</span><span class=\"__9 _413\"/>\u00e4rde p\u00e5 motsva<span class=\"__9 _356\"> </span>-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">rande -2 052 mn euro (-552 mn euro</span><span class=\"__9 _413\"/>) och r\u00e4nta p\u00e5 instrument som v\u00e4r<span class=\"__9 _348\"/>derats till upplu<span class=\"ls0_9\">-<span class=\"__9 _356\"> </span></span><span class=\"__9 _356\">pet anskaffningsv\u00e4rde i Lif</span><span class=\"__9 _413\"/><span class=\"__9 _356\">e &amp; Pension p\u00e5 motsvarande 112 mn euro (110 mn eur</span><span class=\"__9 _348\"/>o).<span class=\"__9 _356\"> </span>3)   <span class=\"__9 _c_8\"/>Posten innefa<span class=\"__9 _413\"/>ttar huvudsakligen f\u00f6r\u00e4ndringar i verkligt v\u00e4rde p\u00e5 r\u00e4n<span class=\"__9 _413\"/>tes\u00e4krade skul<span class=\"__9 _356\"> </span>-<span class=\"__9 _356\"> </span>der v\u00e4rderade till upplupet anska<span class=\"__9 _413\"/><span class=\"__9 _356\">ffningsv\u00e4rde p\u00e5 motsvarande 7 598 mn euro<span class=\"__9 _356\"> </span></span> <span class=\"__9 _356\">(1 966 mn euro).<span class=\"__9 _356\"> </span></span>4)   <span class=\"__9 _c_8\"/>Posten innefa<span class=\"__9 _413\"/>ttar huvudsakligen f\u00f6r\u00e4ndringar i f\u00f6rs\u00e4kringstekniska a<span class=\"__9 _413\"/>vs\u00e4ttningar i<span class=\"__9 _356\"> </span> Life &amp; Pension p\u00e5 mos<span class=\"__9 _413\"/>tsvarande 1 317 mn euro (-1 004 mn euro) och f<span class=\"__9 _413\"/>\u00f6r\u00e4ndring av<span class=\"__9 _356\"> </span> \u00e5terb\u00e4ringsmedel i Life &amp; P<span class=\"__9 _413\"/>ension p\u00e5 motsvarande 306 mn euro (-1 061 mn euro)<span class=\"__9 _356\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTradingIncomeExpenseExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-574": {
   "value": "K2.4 <span class=\"__9 _b6_2\"> </span> <span class=\"__9 _b7_2\"/>Summa nettoresul<span class=\"__9 _413\"/>tat a<span class=\"__9 _413\"/>v poster till v<span class=\"__9 _413\"/>erkligt v\u00e4rde<span class=\"__9 _356\"> </span>Redovsningsprinciper<span class=\"__9 _356\"> </span> Nettoresul<span class=\"__9 _413\"/>tat av post<span class=\"__9 _413\"/>er till verkligt v\u00e4rde<span class=\"__9 _356\"> </span>Realiserade och or<span class=\"__9 _413\"/>ealiserade vinster och f<span class=\"__9 _348\"/>\u00f6rluster p\u00e5 \ufb01nansiella<span class=\"__9 _356\"> </span> instrument och f<span class=\"__9 _413\"/>\u00f6rvaltningsfastighet<span class=\"__9 _413\"/>er v\u00e4rderade till verkligt<span class=\"__9 _356\"> </span> v\u00e4rde r<span class=\"__9 _348\"/>edovisas normalt under \u201dNettor<span class=\"__9 _413\"/>esultat av pos<span class=\"__9 _413\"/>ter till verkligt<span class=\"__9 _a_8\"/> v\u00e4rde\u201d<span class=\"__9 _357\"/>. F\u00f6r in<span class=\"__9 _413\"/>formation om de redovisningsprinciper som an<span class=\"__9 _413\"/>v\u00e4nds<span class=\"__9 _a_8\"/> vid ber\u00e4kning a<span class=\"__9 _413\"/>v verkligt v\u00e4rde, se not K3.4 \u201dV<span class=\"__9 _413\"/>erkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span> Dessutom ing\u00e5r f<span class=\"__9 _348\"/>\u00f6ljande poster i \u201dNettor<span class=\"__9 _413\"/>esultat av pos<span class=\"__9 _413\"/>ter till<span class=\"__9 _356\"> </span> verkligt v\u00e4r<span class=\"__9 _348\"/>de\u201d:<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter och r\u00e4n<span class=\"__9 _413\"/>tekostnader<span class=\"__9 _413\"/>, h\u00e4nf<span class=\"__9 _413\"/>\u00f6rliga till \ufb01nansierin<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span></span>gen av v<span class=\"__9 _413\"/>erksamheten inom Markets och Life &amp; Pension (sam<span class=\"__9 _413\"/>t<span class=\"__9 _356\"> </span> en portf\u00f6lj med r\u00e4n<span class=\"__9 _413\"/>teb\u00e4rande v\u00e4rdepapper i Lif<span class=\"__9 _413\"/>e &amp; Pension)<span class=\"__9 _356\"> </span> v\u00e4rder<span class=\"__9 _413\"/><span class=\"__9 _356\">ade till upplupet anskaffningsv\u00e4rde.<span class=\"__9 _356\"> </span></span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">Realiserade vins<span class=\"__9 _413\"/>ter/f\u00f6rl<span class=\"__9 _348\"/>uster p\u00e5 tillg\u00e5ngar och sk<span class=\"__9 _348\"/>ulder<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>v\u00e4rder<span class=\"__9 _413\"/><span class=\"__9 _356\">ade till upplupet anskaffningsv\u00e4rde.<span class=\"__9 _356\"> </span></span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\"> Omv\u00e4r<span class=\"__9 _348\"/>deringen av s\u00e4kr<span class=\"__9 _413\"/>ade risker i s\u00e4krade poster i<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>s\u00e4kringsredovisningen.<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span>V<span class=\"__9 _413\"/>alutakursf\u00f6r<span class=\"__9 _413\"/>\u00e4ndringar<span class=\"__9 _356\"> </span> \u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">F\u00f6r<span class=\"__9 _413\"/>\u00e4ndringar i skulder till f\u00f6rs\u00e4kringstagare och riskr<span class=\"__9 _348\"/>esultat<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>fr\u00e5n f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsavtal inom Life &amp; P<span class=\"__9 _413\"/>ension redovisas enligt<span class=\"__9 _356\"> </span> IFRS 4 (se ytterligare in<span class=\"__9 _413\"/>formation nedan).<span class=\"__9 _356\"> </span>F\u00f6ljande pos<span class=\"__9 _413\"/>ter ing\u00e5r inte i \u201dNettoresul<span class=\"__9 _348\"/>tat a<span class=\"__9 _413\"/>v poster till verkligt<span class=\"__9 _356\"> </span> v\u00e4rde\u201d:<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">R\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat som an<span class=\"__9 _413\"/>v\u00e4nds f\u00f6r s\u00e4kringsredo<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span></span>visning och ekonomiska s\u00e4kringar<span class=\"__9 _413\"/>. Dessa komponen<span class=\"__9 _348\"/>ter<span class=\"__9 _356\"> </span> redovisas under \u201dR\u00e4n<span class=\"__9 _413\"/>tenetto\u201d f\u00f6r att s\u00e4k<span class=\"__9 _348\"/>erst\u00e4lla redovis<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>ningsm\u00e4ssig \u00f6verenss<span class=\"__9 _413\"/>t\u00e4mmelse med de s\u00e4krade posterna.<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">F\u00f6rlus<span class=\"__9 _413\"/>ter fr\u00e5n motpartsrisk p\u00e5 utl\u00e5ning i portf\u00f6ljer som h\u00e5lls<span class=\"__9 _356\"> </span></span><span class=\"ws4_8\"> </span>till f\u00f6rf<span class=\"__9 _348\"/>all och obligatorisk<span class=\"__9 _413\"/>t v\u00e4rderas till verkligt v<span class=\"__9 _348\"/>\u00e4rde (uppf<span class=\"__9 _413\"/><span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>yller inte krit<span class=\"__9 _413\"/>eriet att kassafl\u00f6det enbart ska utg\u00f6ras av bet<span class=\"__9 _348\"/>al<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>ning av kapit<span class=\"__9 _348\"/>albelopp och r\u00e4n<span class=\"__9 _348\"/>ta) redovisas under den separ<span class=\"__9 _413\"/>at<span class=\"__9 _356\"> </span> posten \u201dNettor<span class=\"__9 _413\"/>esultat av utl\u00e5ning i portf<span class=\"__9 _348\"/>\u00f6ljer som h\u00e5lls till f\u00f6r<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>fall och obliga<span class=\"__9 _348\"/>toriskt v<span class=\"__9 _413\"/>\u00e4rderas till verkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Int\u00e4k<span class=\"__9 _413\"/>tsredovisningen och beteckningarna f\u00f6r de pos<span class=\"__9 _413\"/>ter som<span class=\"__9 _356\"> </span> avser livf<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsverksamheten beskrivs under \u201dInt\u00e4k<span class=\"__9 _413\"/>tsredo<span class=\"__9 _a_8\"/>-<span class=\"__9 _356\"> </span>visning livf\u00f6rs\u00e4kring\u201d nedan.<span class=\"__9 _356\"> </span>F\u00f6r fler r<span class=\"__9 _413\"/>edovisningsprinciper avseende valut<span class=\"__9 _348\"/>akursf\u00f6r<span class=\"__9 _413\"/>\u00e4nd-<span class=\"__9 _356\"> </span>ringar<span class=\"__9 _413\"/>, se not K1 \u201dRedovisningsprinciper\u201d och not K9.2 \u201dV<span class=\"__9 _413\"/>aluta-<span class=\"__9 _356\"> </span>omr\u00e4kning a<span class=\"__9 _413\"/>v utl\u00e4ndska f\u00f6retag/\ufb01lialer<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>Nettoresul<span class=\"__9 _413\"/>tat av utl\u00e5ning i portf<span class=\"__9 _348\"/>\u00f6ljer som h\u00e5lls till<span class=\"__9 _356\"> </span> f\u00f6rf<span class=\"__9 _413\"/>all och obligatoriskt v\u00e4r<span class=\"__9 _413\"/>deras till verkligt v\u00e4rde<span class=\"__9 _356\"> </span>Post<span class=\"__9 _413\"/>en \u201dNettoresultat a<span class=\"__9 _413\"/>v utl\u00e5ning i por<span class=\"__9 _a_8\"/>tf\u00f6ljer som h\u00e5lls till f<span class=\"__9 _413\"/>\u00f6r-<span class=\"__9 _356\"> </span>fall och obliga<span class=\"__9 _348\"/>toriskt v<span class=\"__9 _413\"/>\u00e4rderas till verkligt v\u00e4rde\u201d inkl<span class=\"__9 _413\"/>uderar jus-<span class=\"__9 _356\"> </span>teringar till verkligt v\u00e4r<span class=\"__9 _413\"/>de av marginalkomponen<span class=\"__9 _413\"/>ten f\u00f6r l\u00e5ne-<span class=\"__9 _356\"> </span>for<span class=\"__9 _348\"/>dringar i portf\u00f6ljer d\u00e4r a<span class=\"__9 _413\"/>vsikten \u00e4r att beh\u00e5lla instrumen<span class=\"__9 _413\"/>ten<span class=\"__9 _356\"> </span> till f\u00f6rf<span class=\"__9 _348\"/>all och d\u00e4r dessa m\u00e5ste v<span class=\"__9 _413\"/>\u00e4rderas till verkligt v\u00e4rde (upp-<span class=\"__9 _356\"> </span>fyller inte SPPI-krit<span class=\"__9 _413\"/>eriet). L\u00e5nefordringarna klassi\ufb01cer<span class=\"__9 _348\"/>as i kate-<span class=\"__9 _356\"> </span>gorin \u201dFinansiella tillg\u00e5ngar v\u00e4rder<span class=\"__9 _413\"/>ade till verkligt v\u00e4rde via<span class=\"__9 _356\"> </span> resulta<span class=\"__9 _413\"/>tr\u00e4kningen\u201d och redovisas under posten \u201dUtl\u00e5ning till<span class=\"__9 _356\"> </span> allm\u00e4nheten\u201d i balansr\u00e4kningen. Jus<span class=\"__9 _348\"/>teringar till verkligt v\u00e4r<span class=\"__9 _413\"/>de<span class=\"__9 _356\"> </span> avser f<span class=\"__9 _413\"/>r\u00e4mst f\u00f6r<span class=\"__9 _413\"/>\u00e4ndringar i kreditrisk.<span class=\"__9 _356\"> </span>F\u00f6rlus<span class=\"__9 _413\"/>ter fr\u00e5n motpartsrisk i instrumen<span class=\"__9 _413\"/>t som klassi\ufb01cerats i<span class=\"__9 _356\"> </span> kategorin \u201dFinansiella tillg\u00e5ngar v<span class=\"__9 _413\"/>\u00e4rderade till verkligt v\u00e4rde<span class=\"__9 _356\"> </span>K2.5 <span class=\"__9 _b6_2\"> </span>\u00d6vriga r\u00f6rels<span class=\"__9 _348\"/>eint\u00e4k<span class=\"__9 _413\"/>ter<span class=\"__9 _356\"> </span>Redovisningsprinciper<span class=\"__9 _356\"> </span>Nettovinst<span class=\"__9 _413\"/>er fr\u00e5n avyttring a<span class=\"__9 _413\"/>v aktier i koncern<span class=\"__9 _413\"/>f\u00f6retag, intr<span class=\"__9 _413\"/>essef\u00f6<span class=\"ls0_9\">-<span class=\"__9 _356\"> </span></span>retag och join<span class=\"__9 _348\"/>t ventur<span class=\"__9 _413\"/>es, nettovinster fr<span class=\"__9 _413\"/>\u00e5n avyttring av ma<span class=\"__9 _413\"/>teriella tillg\u00e5ngar liksom andra transak<span class=\"__9 _413\"/>tioner som inte kan h\u00e4n<span class=\"__9 _413\"/>f\u00f6ras till n\u00e5gon annan int\u00e4k<span class=\"__9 _413\"/>tspost redovisas normalt under \u201d\u00d6vriga r\u00f6r<span class=\"__9 _413\"/>el<span class=\"ls0_9\">-<span class=\"__9 _356\"> </span></span>seint\u00e4k<span class=\"__9 _413\"/>ter<span class=\"__9 _a_8\"/>\u201d och f\u00f6rst n\u00e4r det \u00e4r sannolikt a<span class=\"__9 _413\"/>tt de f\u00f6rm\u00e5ner som \u00e4r kopplade till transak<span class=\"__9 _413\"/>tionen tillfaller <span class=\"ws19_7\">Nordea</span>. Det intr<span class=\"__9 _413\"/><span class=\"__9 _356\">\u00e4ffar normalt </span>n\u00e4r de betydande riskerna och f<span class=\"__9 _413\"/>\u00f6rm\u00e5nerna har \u00f6verf\u00f6rts till k\u00f6paren (vanligtvis n\u00e4r tr<span class=\"__9 _413\"/>ansaktionen har slutf\u00f6rts).<span class=\"__9 _356\"> </span>via resulta<span class=\"__9 _413\"/>tr\u00e4kningen\u201d redovisas under \u201dNettoresul<span class=\"__9 _348\"/>tat a<span class=\"__9 _413\"/>v poste<span class=\"__9 _356\"> </span>till verkligt v\u00e4r<span class=\"__9 _348\"/>de\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Nedskrivningar avseende ins<span class=\"__9 _413\"/>trument i andra kategorier \u00e4n<span class=\"__9 _356\"> </span>\u201dFinansiella tillg\u00e5ngar v\u00e4rder<span class=\"__9 _413\"/>ade till verkligt v\u00e4rde via resulta<span class=\"__9 _413\"/>t-<span class=\"__9 _356\"> </span>r\u00e4kningen\u201d redo<span class=\"__9 _348\"/>visas under posten \u201dKreditf<span class=\"__9 _413\"/>\u00f6rluster<span class=\"__9 _413\"/>, netto\u201d<span class=\"__9 _357\"/>. F\u00f6r<span class=\"__9 _356\"> </span>ytterligare in<span class=\"__9 _348\"/>forma<span class=\"__9 _413\"/>tion, se not K2.9 \u201dKreditf\u00f6rlus<span class=\"__9 _413\"/>ter<span class=\"__9 _425\"/>\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>K2.2 R\u00e4ntenetto<span class=\"__9 _356\"> </span>Redovisningsprinciper R\u00e4nta utg\u00f6rs a<span class=\"__9 _413\"/>v ers\u00e4ttning f\u00f6r pengars tidsv\u00e4rde plus en mar-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">ginal. Effek</span><span class=\"__9 _413\"/>tivr\u00e4ntan motsv<span class=\"__9 _413\"/>arar den r\u00e4nta som an<span class=\"__9 _413\"/>v\u00e4nds f\u00f6r att diskont<span class=\"__9 _413\"/>era f\u00f6rv\u00e4ntade f<span class=\"__9 _413\"/>ramtida kassafl\u00f6den till redo<span class=\"__9 _413\"/>visat v\u00e4rde p\u00e5 den \ufb01nansiella tillg\u00e5ngen eller sk<span class=\"__9 _413\"/>ulden vid f\u00f6rsta redovisnings<span class=\"__9 _348\"/>tillf\u00e4llet.<span class=\"__9 _356\"> </span>R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter och r\u00e4n<span class=\"__9 _413\"/>tekostnader ber\u00e4knas och redo<span class=\"__9 _413\"/>visas <span class=\"__9 _356\">med effek</span><span class=\"__9 _413\"/>tivr\u00e4ntemetoden eller<span class=\"__9 _357\"/>, om s\u00e5 anses l\u00e4mpligt, med en metod som ger en rimlig uppskattning a<span class=\"__9 _413\"/>v vad en ber\u00e4k<span class=\"__9 _413\"/>-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">ning grundad p\u00e5 effek</span><span class=\"__9 _413\"/>tivr\u00e4ntemetoden sk<span class=\"__9 _413\"/><span class=\"__9 _356\">ulle ge. Effektivr</span><span class=\"__9 _413\"/>\u00e4n-<span class=\"__9 _356\"> </span>tan innefa<span class=\"__9 _413\"/>ttar avgifter som anse<span class=\"__9 _348\"/><span class=\"__9 _356\">s ing\u00e5 i effek</span><span class=\"__9 _413\"/>tivr\u00e4ntan f<span class=\"__9 _413\"/>\u00f6r ett \ufb01nansiellt instrumen<span class=\"__9 _413\"/>t (vanligen avgifter erh\u00e5llna s<span class=\"__9 _413\"/>om kom-<span class=\"__9 _356\"> </span>pensation f<span class=\"__9 _413\"/>\u00f6r risk). R\u00e4nteint\u00e4k<span class=\"__9 _413\"/>ter och r\u00e4ntekos<span class=\"__9 _413\"/>tnader fr\u00e5n \ufb01nansiella instrument klassi\ufb01c<span class=\"__9 _413\"/>eras, med nedanst\u00e5ende undantag, som \u201dR\u00e4n<span class=\"__9 _413\"/>tenetto\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter och r\u00e4n<span class=\"__9 _413\"/>tekostnader h\u00e4nf<span class=\"__9 _413\"/>\u00f6rliga till balanspos-<span class=\"__9 _356\"> </span>ter redovisade till v<span class=\"__9 _413\"/>erkligt v\u00e4rde inom Markets och Life &amp; P<span class=\"__9 _413\"/>en-<span class=\"__9 _356\"> </span>sion klassi\ufb01ceras i re<span class=\"__9 _348\"/>sultatr<span class=\"__9 _413\"/>\u00e4kningen som \u201dNettoresultat a<span class=\"__9 _413\"/>v poster till verkligt v<span class=\"__9 _413\"/>\u00e4rde\u201d<span class=\"__9 _413\"/>. \u00c4<span class=\"__9 _413\"/>ven r\u00e4n<span class=\"__9 _413\"/>tan h\u00e4nf\u00f6rlig till netto<span class=\"__9 _413\"/>\ufb01-<span class=\"__9 _356\"> </span>nansieringen av v<span class=\"__9 _413\"/>erksamheten inom Markets och Life &amp; Pen-<span class=\"__9 _356\"> </span>sion (samt en portf\u00f6lj med r<span class=\"__9 _413\"/>\u00e4nteb\u00e4rande v\u00e4r<span class=\"__9 _413\"/>depapper i Life &amp; Pension) v\u00e4r<span class=\"__9 _413\"/><span class=\"__9 _356\">derad till upplupet anskaffningsv\u00e4r</span><span class=\"__9 _413\"/>de redovisas under \u201dNettoresult<span class=\"__9 _348\"/>at a<span class=\"__9 _413\"/>v poster till verkligt v\u00e4rde\u201d f<span class=\"__9 _413\"/>\u00f6r att s\u00e4kerst\u00e4lla att in<span class=\"__9 _413\"/>t\u00e4kter och kos<span class=\"__9 _348\"/>tnader i dessa verksamheter redovisas p\u00e5 ett kons<span class=\"__9 _348\"/>ekvent s\u00e4<span class=\"__9 _413\"/>tt<span class=\"__9 _a_8\"/>. Se not K2.4 \u201dSumma netto-<span class=\"__9 _356\"> </span>resulta<span class=\"__9 _413\"/>t av poster till verkligt v<span class=\"__9 _413\"/>\u00e4rde\u201d<span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>R\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat klassi\ufb01cer<span class=\"__9 _413\"/>as som \u201dNettoresul-<span class=\"__9 _356\"> </span>tat a<span class=\"__9 _413\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>, med undantag f<span class=\"__9 _413\"/>\u00f6r derivat som innehas f\u00f6r s\u00e4kringssyfte. I r<span class=\"__9 _348\"/>edovisningss\u00e4kringar klas-<span class=\"__9 _356\"> </span>si\ufb01ceras r<span class=\"__9 _348\"/>\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat som \u201dR\u00e4n<span class=\"__9 _413\"/>teint\u00e4kt<span class=\"__9 _413\"/>er fr\u00e5n anv\u00e4ndande a<span class=\"__9 _413\"/><span class=\"__9 _356\">v effektivr</span><span class=\"__9 _413\"/>\u00e4ntemetoden\u201d om deriva<span class=\"__9 _413\"/>tet anv\u00e4nds f\u00f6r a<span class=\"__9 _413\"/>tt risks\u00e4kra en tillg\u00e5ng och som \u201dR\u00e4ntekos<span class=\"__9 _348\"/>tnader<span class=\"__9 _a_8\"/>\u201d om derivat<span class=\"__9 _348\"/>et anv\u00e4nds f<span class=\"__9 _413\"/>\u00f6r att risks\u00e4kra en skuld. I ekonomiska s\u00e4kringar klassi\ufb01ceras r<span class=\"__9 _348\"/>\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat som \u201d\u00d6vri-<span class=\"__9 _356\"> </span>ga r\u00e4n<span class=\"__9 _348\"/>teint\u00e4k<span class=\"__9 _413\"/>ter<span class=\"__9 _a_8\"/>\u201d om derivatet anv<span class=\"__9 _413\"/>\u00e4nds f\u00f6r att risks\u00e4kra en tillg\u00e5ng och som \u201dR\u00e4nt<span class=\"__9 _348\"/>ekostnader<span class=\"__9 _a_8\"/>\u201d om deriva<span class=\"__9 _348\"/>tet anv\u00e4nds f<span class=\"__9 _413\"/>\u00f6r att risks\u00e4kra en sk<span class=\"__9 _413\"/>uld<span class=\"__9 _356\"> </span>.<span class=\"__9 _356\"> </span>A<span class=\"__9 _413\"/>vkastningen p\u00e5 \ufb01nansiella tillg\u00e5ngar redovisas p\u00e5 tre rader i resul<span class=\"__9 _348\"/>tatr\u00e4kningen: \u201dR\u00e4n<span class=\"__9 _413\"/>teint\u00e4k<span class=\"__9 _413\"/>ter fr\u00e5n anv\u00e4ndande a<span class=\"__9 _413\"/>v <span class=\"__9 _356\">effek</span><span class=\"__9 _413\"/>tivr\u00e4ntemetoden\u201d<span class=\"__9 _357\"/>, \u201d\u00d6vriga r\u00e4n<span class=\"__9 _348\"/>teint<span class=\"__9 _348\"/>\u00e4kter\u201d och \u201dNegativ avkas<span class=\"__9 _413\"/>tning p\u00e5 \ufb01nansiella tillg\u00e5ngar<span class=\"__9 _425\"/>\u201d<span class=\"__9 _357\"/>. Under posten \u201dR\u00e4ntein-<span class=\"__9 _356\"> </span>t\u00e4kt<span class=\"__9 _348\"/>er fr\u00e5n an<span class=\"__9 _348\"/>v\u00e4ndande a<span class=\"__9 _413\"/><span class=\"__9 _356\">v effektivr</span><span class=\"__9 _413\"/>\u00e4ntemetoden\u201d redovisar Nordea r\u00e4n<span class=\"__9 _413\"/>teint\u00e4kt<span class=\"__9 _413\"/>er fr\u00e5n \ufb01nansiella tillg\u00e5ngar v\u00e4rderade till <span class=\"__9 _356\">upplupet anskaffningsv</span><span class=\"__9 _413\"/>\u00e4rde eller till verkligt v\u00e4rde via \u00f6vrigt totalr<span class=\"__9 _348\"/>esultat. Resul<span class=\"__9 _348\"/>tatr\u00e4kningspos<span class=\"__9 _413\"/>ten \u201d\u00d6vriga r\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter<span class=\"__9 _a_8\"/>\u201d innefa<span class=\"__9 _413\"/>ttar r\u00e4ntein<span class=\"__9 _348\"/>t\u00e4kt<span class=\"__9 _348\"/>er fr\u00e5n e<span class=\"__9 _413\"/>xempelvis l\u00e5n v\u00e4r<span class=\"__9 _413\"/>derade till verkligt v\u00e4r<span class=\"__9 _348\"/>de via resulta<span class=\"__9 _413\"/>tr\u00e4kningen eftersom de inte uppfyl<span class=\"__9 _348\"/>-<span class=\"__9 _356\"> </span>ler SPPI-kriteriet (som anger att kassa<span class=\"__9 _413\"/>fl\u00f6det enbar<span class=\"__9 _a_8\"/>t ska utg\u00f6-<span class=\"__9 _356\"> </span>ras a<span class=\"__9 _413\"/>v betalning av kapitalbelopp och r\u00e4n<span class=\"__9 _413\"/>ta). Negativ avkas<span class=\"__9 _413\"/>t-<span class=\"__9 _356\"> </span>ning p\u00e5 \ufb01nansiella tillg\u00e5ngar och skulder redo<span class=\"__9 _348\"/>visas under \u201dNegativ a<span class=\"__9 _413\"/>vkastning p\u00e5 \ufb01nansiella tillg\u00e5ngar<span class=\"__9 _a_8\"/>\u201d respektive \u201dNegativ a<span class=\"__9 _413\"/>vkastning p\u00e5 \ufb01nansiella skulder<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _356\"> </span><span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>K2.3  A<span class=\"__9 _413\"/>vgifts- och pro<span class=\"__9 _413\"/>visionsnetto<span class=\"__9 _356\"> </span>Redovisningsprinciper Nordea har provisionsin<span class=\"__9 _413\"/>t\u00e4kter fr<span class=\"__9 _413\"/>\u00e5n olika typer av tj\u00e4nster som tillhandah\u00e5lls kunder<span class=\"__9 _413\"/>. Hur provisionsin<span class=\"__9 _413\"/>t\u00e4kterna redovisas beror p\u00e5 i vilket syfte a<span class=\"__9 _413\"/>vgiften tas ut.<span class=\"__9 _356\"> </span>Huvuddelen av in<span class=\"__9 _413\"/>t\u00e4kterna som klassi\ufb01cer<span class=\"__9 _413\"/>ats som \u201dProvi-<span class=\"__9 _356\"> </span>sionsint\u00e4k<span class=\"__9 _413\"/>ter<span class=\"__9 _a_8\"/>\u201d avser int\u00e4k<span class=\"__9 _413\"/>ter fr\u00e5n a<span class=\"__9 _413\"/>vtal med kunder enligt IFRS 15. A<span class=\"__9 _357\"/>vgiftsint\u00e4kt<span class=\"__9 _348\"/>er redovisas n\u00e4r eller i tak<span class=\"__9 _413\"/>t med att ett f\u00f6r<span class=\"__9 _348\"/>etag har fullgjort sina \u00e5taganden, an<span class=\"__9 _413\"/>tingen \u00f6ver tid eller vid en speci\ufb01k tidpunkt.<span class=\"__9 _356\"> </span>Utl\u00e5ningsav<span class=\"__9 _413\"/><span class=\"__9 _356\">gifter som inte ing\u00e5r i den eff</span><span class=\"__9 _413\"/>ektiva r\u00e4n<span class=\"__9 _413\"/>tan f\u00f6r ett \ufb01nansiellt instrumen<span class=\"__9 _413\"/>t redovisas n\u00e4r \u00e5tagandet har fullgjorts. A<span class=\"__9 _357\"/>vgifter som erh\u00e5lls i samband med bilaterala tr<span class=\"__9 _413\"/>ansaktio-<span class=\"__9 _356\"> </span>ner redovisas normalt s<span class=\"__9 _348\"/>om en del av det \ufb01nansiella ins<span class=\"__9 _413\"/>tru-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">mentets eff</span><span class=\"__9 _413\"/>ektiva r<span class=\"__9 _348\"/>\u00e4nta. <span class=\"__9 _413\"/>Av<span class=\"__9 _413\"/>gifter fr\u00e5n syndikerade l\u00e5n r<span class=\"__9 _413\"/>edovi-<span class=\"__9 _356\"> </span>sas antingen som en del a<span class=\"__9 _413\"/><span class=\"__9 _356\">v den effektiv</span><span class=\"__9 _413\"/>a r\u00e4ntan p\u00e5 Nordeas<span class=\"__9 _356\"> </span>del eller<span class=\"__9 _413\"/>, om Nordea fungera<span class=\"__9 _413\"/>t som agentbank, som en avgifts<span class=\"__9 _356\"> </span>-<span class=\"__9 _356\"> </span>int\u00e4k<span class=\"__9 _413\"/>t<span class=\"__9 _a_8\"/>. Om av<span class=\"__9 _348\"/>giftsint\u00e4k<span class=\"__9 _413\"/>ten avser b\u00e5de och, grundas den a<span class=\"__9 _413\"/>vgift <span class=\"__9 _356\">som ing\u00e5r i den effek</span><span class=\"__9 _413\"/>tiva r\u00e4nt<span class=\"__9 _348\"/>an p\u00e5 den marginal som erh\u00e5l-<span class=\"__9 _356\"> </span>lits fr\u00e5n de \u00f6<span class=\"__9 _348\"/>vriga parterna i arrangemanget.<span class=\"__9 _356\"> </span>R\u00f6rliga a<span class=\"__9 _413\"/>vgifter<span class=\"__9 _413\"/>, s\u00e5som resultatr<span class=\"__9 _348\"/>elater<span class=\"__9 _348\"/>ade av<span class=\"__9 _413\"/>gifter<span class=\"__9 _348\"/>, redovi-<span class=\"__9 _356\"> </span>sas endast i den utstr<span class=\"__9 _413\"/>\u00e4ckning det \u00e4r mycket sannolikt a<span class=\"__9 _348\"/>tt ingen v\u00e4sen<span class=\"__9 _413\"/>tlig \u00e5terf\u00f6ring av de ack<span class=\"__9 _413\"/>umulerade, redovisade beloppen kommer att ske. Provisionskos<span class=\"__9 _413\"/>tnader som avser en viss period kostnadsf<span class=\"__9 _413\"/>\u00f6rs under den perioden, medan transak<span class=\"__9 _348\"/>tionsav<span class=\"__9 _413\"/>gifter redovisas n\u00e4r tj\u00e4nsterna erh\u00e5lls.<span class=\"__9 _356\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRecognitionOfRevenue",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-575": {
   "value": "K2.4 <span class=\"__9 _b6_2\"> </span> <span class=\"__9 _b7_2\"/>Summa nettoresul<span class=\"__9 _413\"/>tat a<span class=\"__9 _413\"/>vposter till v<span class=\"__9 _413\"/>erkligt v\u00e4rde<span class=\"__9 _356\"> </span>Redovsningsprinciper<span class=\"__9 _356\"> </span>Nettoresul<span class=\"__9 _413\"/>tat av post<span class=\"__9 _413\"/>er till verkligt v\u00e4rde<span class=\"__9 _356\"> </span>Realiserade och or<span class=\"__9 _413\"/>ealiserade vinster och f<span class=\"__9 _348\"/>\u00f6rluster p\u00e5 \ufb01nansiella<span class=\"__9 _356\"> </span>instrument och f<span class=\"__9 _413\"/>\u00f6rvaltningsfastighet<span class=\"__9 _413\"/>er v\u00e4rderade till verkligt<span class=\"__9 _356\"> </span>v\u00e4rde r<span class=\"__9 _348\"/>edovisas normalt under \u201dNettor<span class=\"__9 _413\"/>esultat av pos<span class=\"__9 _413\"/>ter till verkligt<span class=\"__9 _a_8\"/> v\u00e4rde\u201d<span class=\"__9 _357\"/>. F\u00f6r in<span class=\"__9 _413\"/>formation om de redovisningsprinciper som an<span class=\"__9 _413\"/>v\u00e4nds<span class=\"__9 _a_8\"/> vid ber\u00e4kning a<span class=\"__9 _413\"/>v verkligt v\u00e4rde, se not K3.4 \u201dV<span class=\"__9 _413\"/>erkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Dessutom ing\u00e5r f<span class=\"__9 _348\"/>\u00f6ljande poster i \u201dNettor<span class=\"__9 _413\"/>esultat av pos<span class=\"__9 _413\"/>ter till<span class=\"__9 _356\"> </span>verkligt v\u00e4r<span class=\"__9 _348\"/>de\u201d:<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">R\u00e4ntein<span class=\"__9 _413\"/>t\u00e4kter och r\u00e4n<span class=\"__9 _413\"/>tekostnader<span class=\"__9 _413\"/>, h\u00e4nf<span class=\"__9 _413\"/>\u00f6rliga till \ufb01nansierin<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span></span>gen av v<span class=\"__9 _413\"/>erksamheten inom Markets och Life &amp; Pension (sam<span class=\"__9 _413\"/>t<span class=\"__9 _356\"> </span>en portf\u00f6lj med r\u00e4n<span class=\"__9 _413\"/>teb\u00e4rande v\u00e4rdepapper i Lif<span class=\"__9 _413\"/>e &amp; Pension)<span class=\"__9 _356\"> </span>v\u00e4rder<span class=\"__9 _413\"/><span class=\"__9 _356\">ade till upplupet anskaffningsv\u00e4rde.<span class=\"__9 _356\"> </span></span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">Realiserade vins<span class=\"__9 _413\"/>ter/f\u00f6rl<span class=\"__9 _348\"/>uster p\u00e5 tillg\u00e5ngar och sk<span class=\"__9 _348\"/>ulder<span class=\"__9 _356\"> </span></span>v\u00e4rder<span class=\"__9 _413\"/><span class=\"__9 _356\">ade till upplupet anskaffningsv\u00e4rde.<span class=\"__9 _356\"> </span></span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\"> Omv\u00e4r<span class=\"__9 _348\"/>deringen av s\u00e4kr<span class=\"__9 _413\"/>ade risker i s\u00e4krade poster i<span class=\"__9 _356\"> </span></span>s\u00e4kringsredovisningen.<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span>V<span class=\"__9 _413\"/>alutakursf\u00f6r<span class=\"__9 _413\"/>\u00e4ndringar<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">F\u00f6r<span class=\"__9 _413\"/>\u00e4ndringar i skulder till f\u00f6rs\u00e4kringstagare och riskr<span class=\"__9 _348\"/>esultat<span class=\"__9 _356\"> </span></span>fr\u00e5n f<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsavtal inom Life &amp; P<span class=\"__9 _413\"/>ension redovisas enligt<span class=\"__9 _356\"> </span>IFRS 4 (se ytterligare in<span class=\"__9 _413\"/>formation nedan).<span class=\"__9 _356\"> </span>F\u00f6ljande pos<span class=\"__9 _413\"/>ter ing\u00e5r inte i \u201dNettoresul<span class=\"__9 _348\"/>tat a<span class=\"__9 _413\"/>v poster till verkligt<span class=\"__9 _356\"> </span>v\u00e4rde\u201d:<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">R\u00e4ntek<span class=\"__9 _413\"/>omponenten i derivat som an<span class=\"__9 _413\"/>v\u00e4nds f\u00f6r s\u00e4kringsredo<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span></span>visning och ekonomiska s\u00e4kringar<span class=\"__9 _413\"/>. Dessa komponen<span class=\"__9 _348\"/>ter<span class=\"__9 _356\"> </span>redovisas under \u201dR\u00e4n<span class=\"__9 _413\"/>tenetto\u201d f\u00f6r att s\u00e4k<span class=\"__9 _348\"/>erst\u00e4lla redovis<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>ningsm\u00e4ssig \u00f6verenss<span class=\"__9 _413\"/>t\u00e4mmelse med de s\u00e4krade posterna.<span class=\"__9 _356\"> </span>\u2022 <span class=\"__9 _b_8\"> </span><span class=\"ws4_8\">F\u00f6rlus<span class=\"__9 _413\"/>ter fr\u00e5n motpartsrisk p\u00e5 utl\u00e5ning i portf\u00f6ljer som h\u00e5lls<span class=\"__9 _356\"> </span></span>till f\u00f6rf<span class=\"__9 _348\"/>all och obligatorisk<span class=\"__9 _413\"/>t v\u00e4rderas till verkligt v<span class=\"__9 _348\"/>\u00e4rde (uppf<span class=\"__9 _413\"/><span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>yller inte krit<span class=\"__9 _413\"/>eriet att kassafl\u00f6det enbart ska utg\u00f6ras av bet<span class=\"__9 _348\"/>al<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>ning av kapit<span class=\"__9 _348\"/>albelopp och r\u00e4n<span class=\"__9 _348\"/>ta) redovisas under den separ<span class=\"__9 _413\"/>at<span class=\"__9 _356\"> </span>posten \u201dNettor<span class=\"__9 _413\"/>esultat av utl\u00e5ning i portf<span class=\"__9 _348\"/>\u00f6ljer som h\u00e5lls till f\u00f6r<span class=\"ws0_9\">-<span class=\"__9 _356\"> </span></span>fall och obliga<span class=\"__9 _348\"/>toriskt v<span class=\"__9 _413\"/>\u00e4rderas till verkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Int\u00e4k<span class=\"__9 _413\"/>tsredovisningen och beteckningarna f\u00f6r de pos<span class=\"__9 _413\"/>ter som<span class=\"__9 _356\"> </span>avser livf<span class=\"__9 _413\"/>\u00f6rs\u00e4kringsverksamheten beskrivs under \u201dInt\u00e4k<span class=\"__9 _413\"/>tsredo<span class=\"__9 _a_8\"/>-<span class=\"__9 _356\"> </span>visning livf\u00f6rs\u00e4kring\u201d nedan.<span class=\"__9 _356\"> </span>F\u00f6r fler r<span class=\"__9 _413\"/>edovisningsprinciper avseende valut<span class=\"__9 _348\"/>akursf\u00f6r<span class=\"__9 _413\"/>\u00e4nd-<span class=\"__9 _356\"> </span>ringar<span class=\"__9 _413\"/>, se not K1 \u201dRedovisningsprinciper\u201d och not K9.2 \u201dV<span class=\"__9 _413\"/>aluta-<span class=\"__9 _356\"> </span>omr\u00e4kning a<span class=\"__9 _413\"/>v utl\u00e4ndska f\u00f6retag/\ufb01lialer<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>Nettoresul<span class=\"__9 _413\"/>tat av utl\u00e5ning i portf<span class=\"__9 _348\"/>\u00f6ljer som h\u00e5lls till<span class=\"__9 _356\"> </span>f\u00f6rf<span class=\"__9 _413\"/>all och obligatoriskt v\u00e4r<span class=\"__9 _413\"/>deras till verkligt v\u00e4rde<span class=\"__9 _356\"> </span>Post<span class=\"__9 _413\"/>en \u201dNettoresultat a<span class=\"__9 _413\"/>v utl\u00e5ning i por<span class=\"__9 _a_8\"/>tf\u00f6ljer som h\u00e5lls till f<span class=\"__9 _413\"/>\u00f6r-<span class=\"__9 _356\"> </span>fall och obliga<span class=\"__9 _348\"/>toriskt v<span class=\"__9 _413\"/>\u00e4rderas till verkligt v\u00e4rde\u201d inkl<span class=\"__9 _413\"/>uderar jus-<span class=\"__9 _356\"> </span>teringar till verkligt v\u00e4r<span class=\"__9 _413\"/>de av marginalkomponen<span class=\"__9 _413\"/>ten f\u00f6r l\u00e5ne-<span class=\"__9 _356\"> </span>for<span class=\"__9 _348\"/>dringar i portf\u00f6ljer d\u00e4r a<span class=\"__9 _413\"/>vsikten \u00e4r att beh\u00e5lla instrumen<span class=\"__9 _413\"/>ten<span class=\"__9 _356\"> </span>till f\u00f6rf<span class=\"__9 _348\"/>all och d\u00e4r dessa m\u00e5ste v<span class=\"__9 _413\"/>\u00e4rderas till verkligt v\u00e4rde (upp-<span class=\"__9 _356\"> </span>fyller inte SPPI-krit<span class=\"__9 _413\"/>eriet). L\u00e5nefordringarna klassi\ufb01cer<span class=\"__9 _348\"/>as i kate-<span class=\"__9 _356\"> </span>gorin \u201dFinansiella tillg\u00e5ngar v\u00e4rder<span class=\"__9 _413\"/>ade till verkligt v\u00e4rde via<span class=\"__9 _356\"> </span>resulta<span class=\"__9 _413\"/>tr\u00e4kningen\u201d och redovisas under posten \u201dUtl\u00e5ning till<span class=\"__9 _356\"> </span>allm\u00e4nheten\u201d i balansr\u00e4kningen. Jus<span class=\"__9 _348\"/>teringar till verkligt v\u00e4r<span class=\"__9 _413\"/>de<span class=\"__9 _356\"> </span>avser f<span class=\"__9 _413\"/>r\u00e4mst f\u00f6r<span class=\"__9 _413\"/>\u00e4ndringar i kreditrisk.<span class=\"__9 _356\"> </span>F\u00f6rlus<span class=\"__9 _413\"/>ter fr\u00e5n motpartsrisk i instrumen<span class=\"__9 _413\"/>t som klassi\ufb01cerats i<span class=\"__9 _356\"> </span>kategorin \u201dFinansiella tillg\u00e5ngar v<span class=\"__9 _413\"/>\u00e4rderade till verkligt v\u00e4rde<span class=\"__9 _356\"> </span><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:70.37964px;\">via resulta<span class=\"__9 _413\"/>tr\u00e4kningen\u201d redovisas under \u201dNettoresul<span class=\"__9 _348\"/>tat a<span class=\"__9 _413\"/>v poste<span class=\"__9 _356\"> </span>r<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:56.854492px;\">till verkligt v\u00e4r<span class=\"__9 _348\"/>de\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:12.908623px; bottom:43.329285px;\">Nedskrivningar avseende ins<span class=\"__9 _413\"/>trument i andra kategorier \u00e4n<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:29.804077px;\">\u201dFinansiella tillg\u00e5ngar v\u00e4rder<span class=\"__9 _413\"/>ade till verkligt v\u00e4rde via resulta<span class=\"__9 _413\"/>t-<span class=\"__9 _356\"> </span></div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:16.27887px;\">r\u00e4kningen\u201d redo<span class=\"__9 _348\"/>visas under posten \u201dKreditf<span class=\"__9 _413\"/>\u00f6rluster<span class=\"__9 _413\"/>, netto\u201d<span class=\"__9 _357\"/>. F\u00f6r<span class=\"__9 _356\"> </span> </div><div class=\"t_9 m0_9 h7_8 ff2_9 fs5_8 fc2_7 sc0_9 ls0_9 ws0_9\" style=\"left:0.013267517px; bottom:2.753662px;\">ytterligare in<span class=\"__9 _348\"/>forma<span class=\"__9 _413\"/>tion, se not K2.9 \u201dKreditf\u00f6rlus<span class=\"__9 _413\"/>ter<span class=\"__9 _425\"/>\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTradingIncomeAndExpenseExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-576": {
   "value": "Resultatet av f\u00f6rs\u00e4kringsrisker utg\u00f6rs av int\u00e4kter fr\u00e5n enskil- da riskprodukter och fr\u00e5n f\u00f6rs\u00e4kringsdelen i enskilda livf\u00f6rs\u00e4k- ringsavtal samt sjuk- och olycksfallsf\u00f6rs\u00e4kringar. Riskpremierna  f\u00f6rdelas \u00f6ver f\u00f6rs\u00e4kringsperioden och avs\u00e4ttningarna minskar i  takt med att f\u00f6rs\u00e4kringsrisken avtar. En stor del av riskresulta- tet fr\u00e5n traditionella livf\u00f6rs\u00e4kringsavtal omfattas av vinstdel- ning, vilket inneb\u00e4r att f\u00f6rs\u00e4kringstagarna erh\u00e5ller en del av  nettoint\u00e4kterna eller nettounderskottet. Riskint\u00e4kterna och  riskkostnaderna bruttoredovisas under posterna \u201dInt\u00e4kter f\u00f6r- s\u00e4kringsrisk\u201d och \u201dKostnader f\u00f6rs\u00e4kringsrisk\u201d i tabellen. F\u00f6r- s\u00e4kringstagarnas andel av resultatet redovisas under posten  \u201dF\u00f6r\u00e4ndring av f\u00f6rs\u00e4kringstekniska avs\u00e4ttningar\u201d i samma  tabell. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInsurancePremiumRevenueExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-577": {
   "value": "K2.5  \u00d6vriga r\u00f6relseint\u00e4kter Redovisningsprinciper Nettovinster fr\u00e5n avyttring av aktier i koncernf\u00f6retag, intressef\u00f6- retag och joint ventures, nettovinster fr\u00e5n avyttring av materiella tillg\u00e5ngar liksom andra transaktioner som inte kan h\u00e4nf\u00f6ras till n\u00e5gon annan int\u00e4ktspost redovisas normalt under \u201d\u00d6vriga r\u00f6rel- seint\u00e4kter\u201d och f\u00f6rst n\u00e4r det \u00e4r sannolikt att de f\u00f6rm\u00e5ner som \u00e4r kopplade till transaktionen tillfaller Nordea. Det intr\u00e4ffar normalt n\u00e4r de betydande riskerna och f\u00f6rm\u00e5nerna har \u00f6verf\u00f6rts till k\u00f6paren (vanligtvis n\u00e4r transaktionen har slutf\u00f6rts). \u00d6vriga r\u00f6relseint\u00e4kter Mn euro 2022 2021 Avyttring av aktier och andelar \u2013 6 Int\u00e4kter fr\u00e5n fastigheter 2 2 Avyttring av materiella och immateriella tillg\u00e5ngar 39 34 \u00d6vrigt 42 45 Summa 83 87 ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingIncomeExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-578": {
   "value": "K2.5  \u00d6vriga r\u00f6relseint\u00e4kter Redovisningsprinciper Nettovinster fr\u00e5n avyttring av aktier i koncernf\u00f6retag, intressef\u00f6- retag och joint ventures, nettovinster fr\u00e5n avyttring av materiella tillg\u00e5ngar liksom andra transaktioner som inte kan h\u00e4nf\u00f6ras till n\u00e5gon annan int\u00e4ktspost redovisas normalt under \u201d\u00d6vriga r\u00f6rel- seint\u00e4kter\u201d och f\u00f6rst n\u00e4r det \u00e4r sannolikt att de f\u00f6rm\u00e5ner som \u00e4r kopplade till transaktionen tillfaller Nordea. Det intr\u00e4ffar normalt n\u00e4r de betydande riskerna och f\u00f6rm\u00e5nerna har \u00f6verf\u00f6rts till k\u00f6paren (vanligtvis n\u00e4r transaktionen har slutf\u00f6rts). \u00d6vriga r\u00f6relseint\u00e4kter Mn euro 2022 2021 Avyttring av aktier och andelar \u2013 6 Int\u00e4kter fr\u00e5n fastigheter 2 2 Avyttring av materiella och immateriella tillg\u00e5ngar 39 34 \u00d6vrigt 42 45 Summa 83 87 K2.6  \u00d6vriga kostnader Redovisningsprinciper Transaktioner som inte kan h\u00e4nf\u00f6ras till n\u00e5gon annan kost- nadspost, redovisas normalt under \u201d\u00d6vriga kostnader\u201d. Mer- parten av kostnaderna \u00e4r relaterade till ink\u00f6p av IT-tj\u00e4nster och andra tj\u00e4nster. Kostnaderna f\u00f6r ink\u00f6p av tj\u00e4nster \u00e4r normalt transaktionsbaserade och redovisas i den period d\u00e5 tj\u00e4nsterna erh\u00e5lls. Nettof\u00f6rluster fr\u00e5n avyttring av aktier i koncernf\u00f6retag, intressef\u00f6retag och joint ventures, liksom nettof\u00f6rluster fr\u00e5n avyttring av materiella tillg\u00e5ngar, redovisas normalt under \u201d\u00d6vriga kostnader\u201d n\u00e4r det \u00e4r sannolikt att de f\u00f6rm\u00e5ner som \u00e4r kopplade till transaktionen tillfaller Nordea, och om de bety- dande riskerna och f\u00f6rm\u00e5nerna har \u00f6verf\u00f6rts till k\u00f6paren (van- ligtvis n\u00e4r transaktionen har slutf\u00f6rts). \u00d6vriga kostnader Mn euro 2022 2021 Informationsteknik1 -569 -522 Marknadsf\u00f6ring och representation -53 -44 Porto-, transport-, telefon- och kontorskostnader -45 -48 Hyres-, lokal- och fastighetskostnader -101 -97 Konsult- och revisionstj\u00e4nster2 -131 -104 Marknadsdatatj\u00e4nster -87 -84 \u00d6vrigt -149 -103 Summa -1 135 -1 002 ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingIncomeExpenseExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-579": {
   "value": "K2.6  \u00d6vriga kostnader Redovisningsprinciper Transaktioner som inte kan h\u00e4nf\u00f6ras till n\u00e5gon annan kost- nadspost, redovisas normalt under \u201d\u00d6vriga kostnader\u201d. Mer- parten av kostnaderna \u00e4r relaterade till ink\u00f6p av IT-tj\u00e4nster och andra tj\u00e4nster. Kostnaderna f\u00f6r ink\u00f6p av tj\u00e4nster \u00e4r normalt transaktionsbaserade och redovisas i den period d\u00e5 tj\u00e4nsterna erh\u00e5lls. Nettof\u00f6rluster fr\u00e5n avyttring av aktier i koncernf\u00f6retag, intressef\u00f6retag och joint ventures, liksom nettof\u00f6rluster fr\u00e5n avyttring av materiella tillg\u00e5ngar, redovisas normalt under \u201d\u00d6vriga kostnader\u201d n\u00e4r det \u00e4r sannolikt att de f\u00f6rm\u00e5ner som \u00e4r kopplade till transaktionen tillfaller Nordea, och om de bety- dande riskerna och f\u00f6rm\u00e5nerna har \u00f6verf\u00f6rts till k\u00f6paren (van- ligtvis n\u00e4r transaktionen har slutf\u00f6rts). \u00d6vriga kostnader Mn euro 2022 2021 Informationsteknik1 -569 -522 Marknadsf\u00f6ring och representation -53 -44 Porto-, transport-, telefon- och kontorskostnader -45 -48 Hyres-, lokal- och fastighetskostnader -101 -97 Konsult- och revisionstj\u00e4nster2 -131 -104 Marknadsdatatj\u00e4nster -87 -84 \u00d6vrigt -149 -103 Summa -1 135 -1 002 ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingExpenseExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-580": {
   "value": "K2.6  \u00d6vriga kostnader Redovisningsprinciper Transaktioner som inte kan h\u00e4nf\u00f6ras till n\u00e5gon annan kost- nadspost, redovisas normalt under \u201d\u00d6vriga kostnader\u201d. Mer- parten av kostnaderna \u00e4r relaterade till ink\u00f6p av IT-tj\u00e4nster och andra tj\u00e4nster. Kostnaderna f\u00f6r ink\u00f6p av tj\u00e4nster \u00e4r normalt transaktionsbaserade och redovisas i den period d\u00e5 tj\u00e4nsterna erh\u00e5lls. Nettof\u00f6rluster fr\u00e5n avyttring av aktier i koncernf\u00f6retag, intressef\u00f6retag och joint ventures, liksom nettof\u00f6rluster fr\u00e5n avyttring av materiella tillg\u00e5ngar, redovisas normalt under \u201d\u00d6vriga kostnader\u201d n\u00e4r det \u00e4r sannolikt att de f\u00f6rm\u00e5ner som \u00e4r kopplade till transaktionen tillfaller Nordea, och om de bety- dande riskerna och f\u00f6rm\u00e5nerna har \u00f6verf\u00f6rts till k\u00f6paren (van- ligtvis n\u00e4r transaktionen har slutf\u00f6rts). \u00d6vriga kostnader Mn euro 2022 2021 Informationsteknik1 -569 -522 Marknadsf\u00f6ring och representation -53 -44 Porto-, transport-, telefon- och kontorskostnader -45 -48 Hyres-, lokal- och fastighetskostnader -101 -97 Konsult- och revisionstj\u00e4nster2 -131 -104 Marknadsdatatj\u00e4nster -87 -84 \u00d6vrigt -149 -103 Summa -1 135 -1 002 Revisionsarvoden3 Mn euro 2022 2021 PricewaterhouseCoopers Revisionsuppdrag -8 -8 Revisionsverksamhet ut\u00f6ver revisionsuppdraget4 0 -1 \u00d6vriga uppdrag4 -1 -1 Summa -9 -10 1)  IT-konsulttj\u00e4nster ing\u00e5r i Informationsteknik. 2)  Revisionsarvoden ing\u00e5r i Konsult- och revisionstj\u00e4nster. 3)  Varken PricewaterhouseCoopers Oy eller n\u00e5got annat f\u00f6retag i PricewaterhouseCoo- pers n\u00e4tverk har utf\u00f6rt n\u00e5gon skatter\u00e5dgivning. Revisionsarvoden i tabellen redovisas exklusive ej avdragsgill moms. 4)  PricewaterhouseCoopers Oy svarade f\u00f6r -0,2 mn euro (-0,1 mn euro) av Revisionsverksam- het ut\u00f6ver revisionsuppdraget och f\u00f6r -0,5 mn euro (-0,4 mn euro) av \u00d6vriga uppdrag . K2.7  Lagstadgade avgifter Redovisningsprinciper Kostnaden f\u00f6r dessa avgifter redovisas n\u00e4r skyldigheten att betala uppst\u00e5r. Resolutionsavgifter kan inte \u00e5terbetalas om Nordea skulle upph\u00f6ra med sin verksamhet, och betalnings- skyldigheten bed\u00f6ms f\u00f6ljaktligen uppst\u00e5 p\u00e5 \u00e5rets f\u00f6rsta dag. Den svenska bankskatten kan \u00e5terbetalas f\u00f6r den period under vilken Nordea inte bedriver n\u00e5gon verksamhet, och betalningsskyldigheten bed\u00f6ms d\u00e4rf\u00f6r uppst\u00e5 l\u00f6pande under \u00e5ret. Resolutionsavgifter redovisas d\u00e4rmed i sin helhet under f\u00f6rsta kvartalet medan den svenska bankskatten periodiseras linj\u00e4rt under \u00e5ret. Mer information om den f\u00f6r\u00e4ndrade redo- visningen \ufb01nns i not K1 \u201dRedovisningsprinciper\u201d. Mn euro 2022 2021 Resolutionsavgifter -256 -244 Bankskatt -66 \u2013 Summa -322 -244 ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfExpensesByNatureExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-581": {
   "value": "K2.6  \u00d6vriga kostnader Redovisningsprinciper Transaktioner som inte kan h\u00e4nf\u00f6ras till n\u00e5gon annan kost- nadspost, redovisas normalt under \u201d\u00d6vriga kostnader\u201d. Mer- parten av kostnaderna \u00e4r relaterade till ink\u00f6p av IT-tj\u00e4nster och andra tj\u00e4nster. Kostnaderna f\u00f6r ink\u00f6p av tj\u00e4nster \u00e4r normalt transaktionsbaserade och redovisas i den period d\u00e5 tj\u00e4nsterna erh\u00e5lls. Nettof\u00f6rluster fr\u00e5n avyttring av aktier i koncernf\u00f6retag, intressef\u00f6retag och joint ventures, liksom nettof\u00f6rluster fr\u00e5n avyttring av materiella tillg\u00e5ngar, redovisas normalt under \u201d\u00d6vriga kostnader\u201d n\u00e4r det \u00e4r sannolikt att de f\u00f6rm\u00e5ner som \u00e4r kopplade till transaktionen tillfaller Nordea, och om de bety- dande riskerna och f\u00f6rm\u00e5nerna har \u00f6verf\u00f6rts till k\u00f6paren (van- ligtvis n\u00e4r transaktionen har slutf\u00f6rts). \u00d6vriga kostnader Mn euro 2022 2021 Informationsteknik1 -569 -522 Marknadsf\u00f6ring och representation -53 -44 Porto-, transport-, telefon- och kontorskostnader -45 -48 Hyres-, lokal- och fastighetskostnader -101 -97 Konsult- och revisionstj\u00e4nster2 -131 -104 Marknadsdatatj\u00e4nster -87 -84 \u00d6vrigt -149 -103 Summa -1 135 -1 002 Revisionsarvoden3 Mn euro 2022 2021 PricewaterhouseCoopers Revisionsuppdrag -8 -8 Revisionsverksamhet ut\u00f6ver revisionsuppdraget4 0 -1 \u00d6vriga uppdrag4 -1 -1 Summa -9 -10 1)  IT-konsulttj\u00e4nster ing\u00e5r i Informationsteknik. 2)  Revisionsarvoden ing\u00e5r i Konsult- och revisionstj\u00e4nster. 3)  Varken PricewaterhouseCoopers Oy eller n\u00e5got annat f\u00f6retag i PricewaterhouseCoo- pers n\u00e4tverk har utf\u00f6rt n\u00e5gon skatter\u00e5dgivning. Revisionsarvoden i tabellen redovisas exklusive ej avdragsgill moms. 4)  PricewaterhouseCoopers Oy svarade f\u00f6r -0,2 mn euro (-0,1 mn euro) av Revisionsverksam- het ut\u00f6ver revisionsuppdraget och f\u00f6r -0,5 mn euro (-0,4 mn euro) av \u00d6vriga uppdrag K2.7  Lagstadgade avgifter Redovisningsprinciper Kostnaden f\u00f6r dessa avgifter redovisas n\u00e4r skyldigheten att betala uppst\u00e5r. Resolutionsavgifter kan inte \u00e5terbetalas om Nordea skulle upph\u00f6ra med sin verksamhet, och betalnings- skyldigheten bed\u00f6ms f\u00f6ljaktligen uppst\u00e5 p\u00e5 \u00e5rets f\u00f6rsta dag. Den svenska bankskatten kan \u00e5terbetalas f\u00f6r den period under vilken Nordea inte bedriver n\u00e5gon verksamhet, och betalningsskyldigheten bed\u00f6ms d\u00e4rf\u00f6r uppst\u00e5 l\u00f6pande under \u00e5ret. Resolutionsavgifter redovisas d\u00e4rmed i sin helhet under f\u00f6rsta kvartalet medan den svenska bankskatten periodiseras linj\u00e4rt under \u00e5ret. Mer information om den f\u00f6r\u00e4ndrade redo- visningen \ufb01nns i not K1 \u201dRedovisningsprinciper\u201d. Mn euro 2022 2021 Resolutionsavgifter -256 -244 Bankskatt -66 \u2013 Summa -322 -244 K2.8   Av- och nedskrivningar av materiella och immateriella tillg\u00e5ngar Redovisningsprinciper Materiella och immateriella tillg\u00e5ngar skrivs av linj\u00e4rt \u00f6ver den ber\u00e4knade nyttjandeperioden. En immateriell tillg\u00e5ng med obest\u00e4mbar nyttjandeperiod (goodwill) ska inte skrivas av, men \u00e5rligen pr\u00f6vas f\u00f6r eventuellt nedskrivningsbehov. Alla immateriella tillg\u00e5ngar med begr\u00e4nsad nyttjandepe- riod, inklusive IT-utvecklingsprojekt som har tagits i bruk, pr\u00f6- vas med avseende p\u00e5 indikationer p\u00e5 nedskrivningsbehov. Nedskrivningskostnaden ber\u00e4knas som skillnaden mellan redovisat v\u00e4rde och \u00e5tervinningsv\u00e4rde. Redovisningsprinciper f\u00f6r immateriella och materiella till- g\u00e5ngar, liksom till\u00e4mpade kritiska bed\u00f6mningar, \ufb01nns i not K5 \u201dImmateriella och materiella tillg\u00e5ngar\u201d. Mn euro 2022 2021 Avskrivningar Materiella tillg\u00e5ngar  -215 -244 Immateriella tillg\u00e5ngar  -371 -361 Summa -586 -605 Nedskrivningar, netto Materiella tillg\u00e5ngar 1 -19 Immateriella tillg\u00e5ngar  -26 -40 Summa -25 -59 Summa -611 -664 K2.9 Kreditf\u00f6rluster Redovisningsprinicper Nedskrivningar av \ufb01nansiella tillg\u00e5ngar i kategorierna \u201dUpp- lupet anskaffningsv\u00e4rde\u201d och \u201dVerkligt v\u00e4rde via \u00f6vrigt total- resultat\u201d (se not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d) p\u00e5 balansraderna \u201dUtl\u00e5ning till centralbanker\u201d, \u201dUtl\u00e5ning till kre- ditinstitut\u201d, \u201dUtl\u00e5ning till allm\u00e4nheten\u201d och \u201dR\u00e4nteb\u00e4rande v\u00e4rdepapper\u201d, redovisas som \u201dKreditf\u00f6rluster, netto\u201d, tillsam- mans med f\u00f6rluster fr\u00e5n \ufb01nansiella garantier. F\u00f6rlusterna redovisas med avdrag f\u00f6r eventuella s\u00e4kerheter eller andra kreditf\u00f6rst\u00e4rkningar. Nordeas redovisningsprinciper f\u00f6r ber\u00e4kningen av nedskrivning av l\u00e5n och till\u00e4mpade kritiska bed\u00f6mningar \ufb01nns i not K3.7 \u201dUtl\u00e5ning\u201d. Motpartsf\u00f6rluster h\u00e4nf\u00f6rliga till instrument som klassi\ufb01ce- rats i kategorin \u201dFinansiella tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen\u201d, inklusive kreditderivat men exklusive l\u00e5nefordringar redovisade till verkligt v\u00e4rde, redovi- sas under \u201dNettoresultat av poster till verkligt\u201d eller, om de \u00e4r h\u00e4nf\u00f6rliga till l\u00e5nefordringar i portf\u00f6ljer d\u00e4r avsikten \u00e4r att beh\u00e5lla instrumenten till f\u00f6rfall och som det \u00e4r obligatoriskt att v\u00e4rdera till verkligt v\u00e4rde (uppfyller inte SPPI-kriteriet, dvs. att det uteslutande r\u00f6r sig om betalning av kapitalbelopp och r\u00e4nta), under posten \u201dNettoresultat av utl\u00e5ning i portf\u00f6l- jer som h\u00e5lls till f\u00f6rfall och obligatoriskt v\u00e4rderas till verkligt v\u00e4rde\u201d. F\u00f6r ytterligare information, se not K2.4 \u201dSumma net- toresultat av poster till verkligt v\u00e4rde\u201d. Ytterligare information om kreditrisk \ufb01nns i not K11 \u201dRisk- och likviditetshantering\u201d Kreditf\u00f6rluster 2022, mn euro Utl\u00e5ning till centralbanker och kreditinstitut2 Utl\u00e5ning til allm\u00e4nheten2 R\u00e4nteb\u00e4rande v\u00e4rdepapper3 Poster utanf\u00f6r balansr\u00e4kningen4 Summa Kreditf\u00f6rluster, kategori 1 -1 -29 11 -10 -29 Kreditf\u00f6rluster, kategori 2 0 -17 0 15 -2 Kreditf\u00f6rluster, icke fallerade -1 -46 11 5 -31 Kategori 3, fallerade Kreditf\u00f6rluster, individuellt v\u00e4rderade, kollektivt ber\u00e4knade1 -5 96 \u2013 -3 88 Konstaterade kreditf\u00f6rluster -5 -701 \u2013 -3 -709 Minskning av avs\u00e4ttningar som tagits i anspr\u00e5k f\u00f6r att t\u00e4cka konstaterade kreditf\u00f6rluster \u2013 509 \u2013 3 512 \u00c5terf\u00f6ringar av tidigare konstaterade kreditf\u00f6rluster 1 63 \u2013 \u2013 64 Garantiers\u00e4ttning \u2013 \u2013 \u2013 1 1 Ny/\u00f6kad avs\u00e4ttning  -19 -251 \u2013 -11 -281 \u00c5terf\u00f6ring av avs\u00e4ttningar \u2013 239 \u2013 5 244 Kreditf\u00f6rluster, fallerade -28 -45 \u2013 -8 -81 Kreditf\u00f6rluster, netto -29 -91 11 -3 -112 2021, mn euro Utl\u00e5ning till centralbanker och kreditinstitut2 Utl\u00e5ning til allm\u00e4nheten2 R\u00e4nteb\u00e4rande v\u00e4rdepapper3 Poster utanf\u00f6r balansr\u00e4kningen4 Summa Kreditf\u00f6rluster, kategori 1 0 91 -12 33 112 Kreditf\u00f6rluster, kategori 2 1 92 \u2013 10 103 Kreditf\u00f6rluster, icke fallerade 1 183 -12 43 215 Kategori 3, fallerade Kreditf\u00f6rluster, individuellt v\u00e4rderade, kollektivt ber\u00e4knade1 \u2013 -68 \u2013 \u2013 -68 Konstaterade kreditf\u00f6rluster \u2013 -490 \u2013 -3 -493 Minskning av avs\u00e4ttningar som tagits i anspr\u00e5k f\u00f6r att t\u00e4cka konstaterade kreditf\u00f6rluster \u2013 261 \u2013 3 264 \u00c5terf\u00f6ringar av tidigare konstaterade kreditf\u00f6rluster 1 52 \u2013 \u2013 53 Garantiers\u00e4ttning \u2013 \u2013 \u2013 1 1 Ny/\u00f6kad avs\u00e4ttning  \u2013 -399 \u2013 -10 -409 \u00c5terf\u00f6ring av avs\u00e4ttningar \u2013 307 \u2013 12 319 Kreditf\u00f6rluster, fallerade 1 -337 \u2013 3 -333 Kreditf\u00f6rluster, netto 2 -154 -12 46 -118 1) Inkluderar individuellt identi\ufb01erade tillg\u00e5ngar d\u00e4r avs\u00e4ttningarna har ber\u00e4knats med en statistisk modell. 2) Avs\u00e4ttningar inkluderade i not K3.7 \u201dUtl\u00e5ning\u201d. 3) Avs\u00e4ttningar inkluderade i not K3.8 \u201dR\u00e4nteb\u00e4rande v\u00e4rdepapper\u201d. 4) Avs\u00e4ttningar inkluderade i not K6 \u201dAvs\u00e4ttningar\u201d K2.10 Skatter Redovisningsprinciper Posten \u201dSkatt\u201d i resultatr\u00e4kningen utg\u00f6rs av den totala f\u00f6r- \u00e4ndringen i aktuell och uppskjuten inkomstskatt. Aktuell och uppskjuten skatt redovisas i resultatr\u00e4kningen, s\u00e5vida den inte avser poster som redovisas mot \u00f6vrigt totalresultat eller eget kapital. I dessa fall redovisas \u00e4ven skatten mot \u00f6vrigt totalresultat respektive eget kapital. Aktuell skatt \u00e4r den f\u00f6rv\u00e4ntade skatten p\u00e5 \u00e5rets beskatt- ningsbara inkomst, ber\u00e4knad enligt beslutade eller i prakti- ken beslutade skattesatser per balansdagen, tillsammans med eventuell justering av aktuell skatt h\u00e4nf\u00f6rlig till tidigare \u00e5r. Uppskjutna skattefordringar och skatteskulder redovisas f\u00f6r tempor\u00e4ra skillnader som uppst\u00e5r mellan skattem\u00e4ssiga och redovisade v\u00e4rden p\u00e5 tillg\u00e5ngar och skulder. Uppskjutna skattefordringar redovisas f\u00f6r outnyttjade skattem\u00e4ssiga underskott och skatteavdrag, om de uppfyller de aktuella kri- terierna f\u00f6r redovisning enligt IAS 12. Uppskjuten skatt redo- visas inte f\u00f6r tempor\u00e4ra skillnader som uppst\u00e5r vid f\u00f6rsta redovisningen av tillg\u00e5ngar eller skulder i en transaktion som inte \u00e4r ett f\u00f6retagsf\u00f6rv\u00e4rv och varken p\u00e5verkar redovisat eller beskattningsbart resultat. Uppskjuten skatt redovisas inte heller f\u00f6r skillnader h\u00e4nf\u00f6rliga till aktier och andelar i kon- cernf\u00f6retag, intressef\u00f6retag och joint ventures, i den m\u00e5n det \u00e4r sannolikt att en reglering eller realisering inte kommer att ske inom \u00f6versk\u00e5dlig tid. Inte heller redovisas uppskjuten skatt f\u00f6r skattepliktiga tempor\u00e4ra skillnader som h\u00e4rr\u00f6r fr\u00e5n den f\u00f6rsta redovisningen av goodwill. Uppskjuten skatt ber\u00e4knas enligt de skattesatser som v\u00e4n- tas g\u00e4lla n\u00e4r de tempor\u00e4ra skillnaderna v\u00e4nds, med utg\u00e5ngs- punkt fr\u00e5n antagna eller i praktiken antagna lagar per balans- dagen. Uppskjutna skattefordringar och skatteskulder diskon- teras inte. Uppskjutna skattefordringar redovisas endast i den utstr\u00e4ckning det \u00e4r sannolikt att framtida beskattningsbar vinst kommer att \ufb01nnas tillg\u00e4nglig, mot vilken tempor\u00e4ra skillnader, underskottsavdrag och outnyttjade skatteavdrag kan utnyttjas. Uppskjutna skattefordringar granskas varje balansdag, och minskas i den m\u00e5n det inte l\u00e4ngre \u00e4r sannolikt att avdragsr\u00e4tten kan utnyttjas. Aktuella skattefordringar och aktuella skatteskulder kvittas n\u00e4r lagstadgad r\u00e4tt till kvittning f\u00f6religger, och Nordea avser att antingen nettoreglera dessa skattepositioner eller reali- sera tillg\u00e5ngen samtidigt som skulden regleras. Uppskjutna skattefordringar och uppskjutna skatteskulder kvittas gene- rellt i den m\u00e5n det \u00e4r till\u00e5tet enligt lag att kvitta aktuella skat- tefordringar och aktuella skatteskulder . Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar Skattepositioner granskas regelbundet f\u00f6r att identi\ufb01era fall d\u00e4r ber\u00f6rda skattemyndigheter sannolikt inte godk\u00e4nner behandlingen i skattedeklarationen. Os\u00e4kra skattepositioner beaktas var f\u00f6r sig eller som grupp, beroende p\u00e5 vilken metod som b\u00e4st f\u00f6rutser utfallet av os\u00e4kerheten. Vid en bed\u00f6mning att skattemyndigheten sannolikt inte godtar en skattem\u00e4ssig behandling, tar Nordea h\u00e4nsyn till effekten av os\u00e4kerheten n\u00e4r beskattningsbart resultat, skattem\u00e4ssigt v\u00e4rde, outnyttjade skattem\u00e4ssiga f\u00f6rluster, outnyttjade skat- tekrediter eller skattesatser fastst\u00e4lls. Detta g\u00f6rs genom att anv\u00e4nda antingen det mest sannolika beloppet eller det f\u00f6r- v\u00e4ntade v\u00e4rdet, beroende p\u00e5 vilken metod som b\u00e4st f\u00f6rutser utfallet av os\u00e4kerheten. Os\u00e4ker skattem\u00e4ssig behandling kan p\u00e5verka b\u00e5de aktuell skatt och uppskjuten skatt. V\u00e4rderingen av uppskjutna skattefordringar p\u00e5verkas av ledningens bed\u00f6mning av Nordeas framtida resultat och till- r\u00e4ckligheten av framtida beskattningsbara vinster och fram- tida \u00e5terf\u00f6ringar av be\ufb01ntliga beskattningsbara tempor\u00e4ra skillnader. Dessa bed\u00f6mningar uppdateras och ses \u00f6ver vid varje bokslutstillf\u00e4lle, och justeras om s\u00e5 beh\u00f6vs f\u00f6r att avspegla den nuvarande situationen. Det redovisade v\u00e4rdet p\u00e5 uppskjutna skattefordringar upp- gick vid \u00e5rets slut till 165 mn euro (218 mn euro). Skattekostnad Mn euro 2022 2021 Aktuell skatt -987 -824 Uppskjuten skatt  -186 -281 Summa  -1 173 -1 105 F\u00f6r total skatt redovisad i \u00f6vrigt totalresultat, se Rapport \u00f6ver totalresultat. Skatten p\u00e5 koncernens r\u00f6relseresultat skiljer sig p\u00e5 f\u00f6ljan- de s\u00e4tt fr\u00e5n det teoretiska belopp som kan ber\u00e4knas med hj\u00e4lp av skattesatsen i Finland: Mn euro 2022 2021 Resultat f\u00f6re skatt 4 768 4 936 Skatt ber\u00e4knad med en skattesats om 20,0 procent  -954 -987 Effekt av andra skattesatser i \u00f6vriga l\u00e4nder -133 -97 Resultat fr\u00e5n intressef\u00f6retag 1 -7 Ej skattepliktiga int\u00e4kter 43 27 Avkastningsbeskattad inkomst 18 18 Ej skattem\u00e4ssigt avdragsgilla kostnader -20 -45 Justeringar avseende tidigare \u00e5r, aktuell skatt -25 90 Justeringar avseende tidigare \u00e5r, uppskjuten skatt  33 -78 Utnyttjande och etablering av oaktiverade skattefordringar 0 2 \u00c4ndrad skattesats1 -26 0 Ej avr\u00e4kningsbar utl\u00e4ndsk k\u00e4llskatt -23 -28 Skattereduktion maskiner och inventarier 19 \u2013 Omf\u00f6rda ej avdragsgilla valutakursf\u00f6rluster2 -106 \u2013 Skattekostnad -1 173 -1 105 Effektiv skattesats 24,6 % 22,4 % 1)  I juni 2022 antog den danska riksdagen en skattesatsh\u00f6jning f\u00f6r \ufb01nansiella f\u00f6retag till 25,2 procent fr\u00e5n 2023 och 26 procent fr\u00e5n 2024. Relevanta uppskjutna skattefordringar och skatteskulder omv\u00e4rderades till till\u00e4mpliga skattesatser under 2022. 2)  Inkluderar omf\u00f6ring av 529 mn euro i ej avdragsgilla valutakursf\u00f6rluster fr\u00e5n \u00f6vrigt totalresultat till resultatr\u00e4kningen h\u00e4nf\u00f6rliga till avveckling av verksamheten i Ryssland. Se not K2.4 \u201dSumma nettoresultat av poster till verkligt v\u00e4rde\u201d. F\u00f6r\u00e4ndringar i uppskjutna skattefordringar och skatteskulder Mn euro 1 jan 2022 Redovisat  i resultat- r\u00e4kningen Redovisat  i \u00f6vrigt  totalresultat F\u00f6rv\u00e4rv Valutakurs- differenser 31 dec 2022 Uppskjutna skattefordringar Skattem\u00e4ssiga underskott 8 \u2013 \u2013 \u2013 \u2013 8 Immateriella tillg\u00e5ngar \u2013 \u2013 \u2013 8 \u2013 8 Utl\u00e5ning till allm\u00e4nheten 77 22 -1 \u2013 \u2013 98 Derivatinstrument/obligationer 98 -100 5 \u2013 -3 0 Pensioner 94 -20 -1 \u2013 -2 71 Skulder/avs\u00e4ttningar 98 -37 \u2013 43 -1 103 Avr\u00e4kningsbar utl\u00e4ndsk skatt 0 \u2013 \u2013 \u2013 \u2013 0 \u00d6vrigt 38 -28 \u2013 40 -1 49 Kvittning av uppskjutna skattefordringar och skulder -195 20 2 \u2013 1 -172 Summa 218 -143 5 91 -6 165 Mn euro 1 jan 2022 Redovisat  i resultat- r\u00e4kningen Redovisat  i \u00f6vrigt totalresultat F\u00f6rv\u00e4rv Valutakurs- differenser 31 dec 2022 Uppskjutna skatteskulder Utl\u00e5ning till allm\u00e4nheten 407 -14 -36 1 -7 351 Aktier 38 -36 \u2013 \u2013 \u2013 2 Derivatinstrument/obligationer 15 59 \u2013 \u2013 -2 72 Immateriella tillg\u00e5ngar 120 -16 \u2013 10 -1 113 Materiella tillg\u00e5ngar 11 -1 \u2013 \u2013 \u2013 10 F\u00f6rvaltningsfastigheter 2 2 \u2013 51 -1 54 Pensioner 56 17 -8 \u2013 -2 63 Skulder/avs\u00e4ttningar 1 21 \u2013 \u2013 \u2013 22 \u00d6vrigt 21 \u2013 2 \u2013 \u2013 23 Elimineringar av tempor\u00e4ra skillnader som f\u00f6rekommer i flera jurisdiktioner 59 -9 34 \u2013 \u2013 84 Kvittning av uppskjutna skattefordringar och skulder -195 20 2 \u2013 1 -172 Summa 535 43 -6 62 -12 622 Mn euro 1 jan 2021 Redovisat  i resultat- r\u00e4kningen Redovisat  i \u00f6vrigt totalresultat Valutakurs- differenser \u00d6vriga  f\u00f6r\u00e4ndringar 31 dec 2021 Uppskjutna skatteskulder Utl\u00e5ning till allm\u00e4nheten 399 2 5 \u2013 1 407 Aktier 54 -15 \u2013 \u2013 -1 38 Derivatinstrument/obligationer 11 3 \u2013 1 \u2013 15 Immateriella tillg\u00e5ngar 77 42 \u2013 1 \u2013 120 Materiella tillg\u00e5ngar \u2013 11 \u2013 \u2013 \u2013 11 F\u00f6rvaltningsfastigheter 11 -3 \u2013 \u2013 -6 2 Pensioner 41 5 8 2 \u2013 56 Skulder/avs\u00e4ttningar 0 1 \u2013 \u2013 \u2013 1 \u00d6vrigt 18 -1 \u2013 \u2013 4 21 Elimineringar av tempor\u00e4ra skillnader som f\u00f6rekommer i flera jurisdiktioner 267 -203 -4 -1 \u2013 59 Kvittning av uppskjutna skattefordringar och skulder -442 258 -11 \u2013 \u2013 -195 Summa 436 100 -2 3 -2 535 Mn euro 1 jan 2021 Redovisat  i resultat- r\u00e4kningen Redovisat  i \u00f6vrigt  totalresultat Valutakurs- differenser \u00d6vriga  f\u00f6r\u00e4ndringar 31 dec 2021 Uppskjutna skattefordringar Skattem\u00e4ssiga underskott 123 -114 \u2013 1 -2 8 Utl\u00e5ning till allm\u00e4nheten 76 17 -17 \u2013 1 77 Derivatinstrument/obligationer 129 -40 3 6 \u2013 98 Pensioner 94 -6 4 2 \u2013 94 Skulder/avs\u00e4ttningar 154 -57 \u2013 1 \u2013 98 Avr\u00e4kningsbar utl\u00e4ndsk skatt 249 -249 \u2013 \u2013 \u2013 0 \u00d6vrigt 23 10 \u2013 \u2013 5 38 Kvittning av uppskjutna skattefordringar och skulder -442 258 -11 \u2013 \u2013 -195 Ej redovisade uppskjutna skattefordringar Mn euro 31 dec 2022 31 dec 2021 Outnyttjade skattem\u00e4ssiga underskott utan f\u00f6rfallotidpunkt 40 40 Outnyttjade skattem\u00e4ssiga underskott  40 40 Outnyttjade skattem\u00e4ssiga avdrag med f\u00f6rfall inom 12 m\u00e5nader 3 4 Outnyttjade skattem\u00e4ssiga avdrag med f\u00f6rfall efter 12 m\u00e5nader 424 556 Outnyttjade skattem\u00e4ssiga avdrag  427 560 Summa 467 600 Vid utg\u00e5ngen av 2022 redovisade Nordeakoncernen 165 mn euro (218 mn euro) i uppskjutna skattefordringar i balansr\u00e4k- ningen. Redovisningen och v\u00e4rderingen av uppskjutna skat- tefordringar baseras p\u00e5 en bed\u00f6mning av sannolikheten och beloppet f\u00f6r framtida beskattningsbara vinster och p\u00e5 fram- tida \u00e5terf\u00f6ringar av be\ufb01ntliga beskattningsbara tempor\u00e4ra skillnader. Dessutom har koncernen ej redovisade uppskjutna skatte- fordringar p\u00e5 40 mn euro (40 mn euro) avseende under- skottsavdrag i olika f\u00f6retag samt 427 mn euro (560 mn euro) avseende outnyttjade utl\u00e4ndska skattekrediter. Ej redovisade uppskjutna skattefordringar avseende skattem\u00e4ssiga f\u00f6rlus- ter kan \u00e5tervinnas om extraordin\u00e4ra beskattningsbara inkom- ster skulle uppst\u00e5 i de ber\u00f6rda f\u00f6retagen. Ej redovisade upp- skjutna skattefordringar avseende utl\u00e4ndska skattekrediter kan \u00e5tervinnas i h\u00e4ndelse av ov\u00e4ntade skillnader i beskatt- ningstidpunkter eller skattem\u00e4ssiga v\u00e4rden mellan huvud- kontor och \ufb01lialer. K8.1  Fast och r\u00f6rlig l\u00f6n Redovisningsprinciper Kortfristiga ers\u00e4ttningar till anst\u00e4llda Kortfristiga ers\u00e4ttningar till anst\u00e4llda best\u00e5r fr\u00e4mst av fast  och r\u00f6rlig l\u00f6n. B\u00e5de fast och r\u00f6rlig l\u00f6n kostnadsf\u00f6rs i den peri- od d\u00e5 de anst\u00e4llda utf\u00f6r tj\u00e4nster f\u00f6r Nordea. Avg\u00e5ngsvederlag Avg\u00e5ngsvederlag blir normalt aktuellt n\u00e4r en anst\u00e4llning  avslutas f\u00f6re pensionsdagen eller om en anst\u00e4lld accepterar  ett erbjudande om frivillig avg\u00e5ng. Avg\u00e5ngsvederlag kostnadsf\u00f6rs n\u00e4r Nordea har en skyldig- het att g\u00f6ra betalningen. En skyldighet uppst\u00e5r n\u00e4r en formell  plan har beslutats p\u00e5 l\u00e4mplig organisatorisk niv\u00e5 och n\u00e4r det  inte \ufb01nns en realistisk m\u00f6jlighet f\u00f6r Nordea att dra sig ur, vilket  normalt anses uppfyllt n\u00e4r planen har kommunicerats till  ber\u00f6rda medarbetare eller deras representanter.  Avg\u00e5ngsvederlag kan innefatta b\u00e5de kortfristiga ers\u00e4ttning- ar, till exempel ett antal m\u00e5nadsl\u00f6ner, och ers\u00e4ttningar efter  avslutad anst\u00e4llning, normalt i form av f\u00f6rtidspensionering .  Nordeas kortsiktiga incitamentsprogram Nordea har kortsiktiga incitamentsprogram (STIP, short term  incentive plan). Hit r\u00e4knas Nordeas incitamentsprogram  (NIP), som erbjuds koncernchefen och medlemmarna i kon- cernledningen samt, efter s\u00e4rskild inbjudan, andra anst\u00e4llda, och Nordeas bonusprogram f\u00f6r utvalda medarbetare i speci- \ufb01ka aff\u00e4rsomr\u00e5den eller enheter efter godk\u00e4nnande av styrel- sen. NIP ska huvudsakligen anv\u00e4ndas f\u00f6r roller d\u00e4r r\u00f6rlig  ers\u00e4ttning \u00e4r utbredd marknadspraxis och utg\u00f6r en betydan- de del av den samlade ers\u00e4ttningen. STIP har erbjudits under flera \u00e5r, i huvudsak i form av exe- cutive incentive programme (EIP) och under 2022 i form av  NIP som har liknande villkor. STIP har en resultatm\u00e4tningsperiod p\u00e5 ett \u00e5r och betalas ut  till deltagarna genom kontant ers\u00e4ttning och tilldelning av  aktier. F\u00f6r delar av tilldelningen till\u00e4mpas en uppskjutande- period med \u00e5rlig \u00f6verl\u00e5telse i lika stora delar under de f\u00f6ljan- de fyra eller fem \u00e5ren och en kvarh\u00e5llandeperiod om  12 m\u00e5nader. R\u00f6rlig ers\u00e4ttning som betalas i kontanter och inte  \u00e4r kopplad till utvecklingen f\u00f6r Nordeas aktiekurs kostnads- f\u00f6rs i samband med intj\u00e4nandet och inkluderas under \u201dFast  och r\u00f6rlig l\u00f6n\u201d nedan. Intj\u00e4nad och uppskjuten aktiebaserad  ers\u00e4ttning, som ocks\u00e5 kostnadsf\u00f6rts som \u201dFast och r\u00f6rlig l\u00f6n\u201d  i tabellen nedan, redovisas separat i not K8.3 \u201dAktierelaterade  ers\u00e4ttningsprogram\u201d. Personalkostnader Mn euro 2022 2021 Fast och r\u00f6rlig l\u00f6n1 -2 195 -2 145 Pensionskostnader (speci\ufb01kation nedan) -277 -279 Sociala avgifter -407 -402 \u00d6vriga personalkostnader2  44 67 Summa -2 835 -2 759 1)   Avs\u00e4ttning f\u00f6r vinstandel 2022 uppgick till 67 mn euro (57 mn euro) varav 67 mn  euro (62 mn euro) \u00e4r en ny avs\u00e4ttning och 0 mn euro (-5 mn euro) \u00e4r en justering  relaterad till tidigare \u00e5r. 2)   Inkluderat kapitalisering av IT-projekt med 126 mn euro (138 mn euro) ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfExpensesExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-582": {
   "value": "K2.6  \u00d6vriga kostnader Redovisningsprinciper Transaktioner som inte kan h\u00e4nf\u00f6ras till n\u00e5gon annan kost- nadspost, redovisas normalt under \u201d\u00d6vriga kostnader\u201d. Mer- parten av kostnaderna \u00e4r relaterade till ink\u00f6p av IT-tj\u00e4nster och andra tj\u00e4nster. Kostnaderna f\u00f6r ink\u00f6p av tj\u00e4nster \u00e4r normalt transaktionsbaserade och redovisas i den period d\u00e5 tj\u00e4nsterna erh\u00e5lls. Nettof\u00f6rluster fr\u00e5n avyttring av aktier i koncernf\u00f6retag, intressef\u00f6retag och joint ventures, liksom nettof\u00f6rluster fr\u00e5n avyttring av materiella tillg\u00e5ngar, redovisas normalt under \u201d\u00d6vriga kostnader\u201d n\u00e4r det \u00e4r sannolikt att de f\u00f6rm\u00e5ner som \u00e4r kopplade till transaktionen tillfaller Nordea, och om de bety- dande riskerna och f\u00f6rm\u00e5nerna har \u00f6verf\u00f6rts till k\u00f6paren (van- ligtvis n\u00e4r transaktionen har slutf\u00f6rts). \u00d6vriga kostnader Mn euro 2022 2021 Informationsteknik1 -569 -522 Marknadsf\u00f6ring och representation -53 -44 Porto-, transport-, telefon- och kontorskostnader -45 -48 Hyres-, lokal- och fastighetskostnader -101 -97 Konsult- och revisionstj\u00e4nster2 -131 -104 Marknadsdatatj\u00e4nster -87 -84 \u00d6vrigt -149 -103 Summa -1 135 -1 002 K8.1  Fast och r\u00f6rlig l\u00f6n Redovisningsprinciper Kortfristiga ers\u00e4ttningar till anst\u00e4llda Kortfristiga ers\u00e4ttningar till anst\u00e4llda best\u00e5r fr\u00e4mst av fast  och r\u00f6rlig l\u00f6n. B\u00e5de fast och r\u00f6rlig l\u00f6n kostnadsf\u00f6rs i den peri- od d\u00e5 de anst\u00e4llda utf\u00f6r tj\u00e4nster f\u00f6r Nordea. Avg\u00e5ngsvederlag Avg\u00e5ngsvederlag blir normalt aktuellt n\u00e4r en anst\u00e4llning  avslutas f\u00f6re pensionsdagen eller om en anst\u00e4lld accepterar  ett erbjudande om frivillig avg\u00e5ng. Avg\u00e5ngsvederlag kostnadsf\u00f6rs n\u00e4r Nordea har en skyldig- het att g\u00f6ra betalningen. En skyldighet uppst\u00e5r n\u00e4r en formell  plan har beslutats p\u00e5 l\u00e4mplig organisatorisk niv\u00e5 och n\u00e4r det  inte \ufb01nns en realistisk m\u00f6jlighet f\u00f6r Nordea att dra sig ur, vilket  normalt anses uppfyllt n\u00e4r planen har kommunicerats till  ber\u00f6rda medarbetare eller deras representanter.  Avg\u00e5ngsvederlag kan innefatta b\u00e5de kortfristiga ers\u00e4ttning- ar, till exempel ett antal m\u00e5nadsl\u00f6ner, och ers\u00e4ttningar efter  avslutad anst\u00e4llning, normalt i form av f\u00f6rtidspensionering .  Nordeas kortsiktiga incitamentsprogram Nordea har kortsiktiga incitamentsprogram (STIP, short term  incentive plan). Hit r\u00e4knas Nordeas incitamentsprogram  (NIP), som erbjuds koncernchefen och medlemmarna i kon- cernledningen samt, efter s\u00e4rskild inbjudan, andra anst\u00e4llda, och Nordeas bonusprogram f\u00f6r utvalda medarbetare i speci- \ufb01ka aff\u00e4rsomr\u00e5den eller enheter efter godk\u00e4nnande av styrel- sen. NIP ska huvudsakligen anv\u00e4ndas f\u00f6r roller d\u00e4r r\u00f6rlig  ers\u00e4ttning \u00e4r utbredd marknadspraxis och utg\u00f6r en betydan- de del av den samlade ers\u00e4ttningen. STIP har erbjudits under flera \u00e5r, i huvudsak i form av exe- cutive incentive programme (EIP) och under 2022 i form av  NIP som har liknande villkor. STIP har en resultatm\u00e4tningsperiod p\u00e5 ett \u00e5r och betalas ut  till deltagarna genom kontant ers\u00e4ttning och tilldelning av  aktier. F\u00f6r delar av tilldelningen till\u00e4mpas en uppskjutande- period med \u00e5rlig \u00f6verl\u00e5telse i lika stora delar under de f\u00f6ljan- de fyra eller fem \u00e5ren och en kvarh\u00e5llandeperiod om  12 m\u00e5nader. R\u00f6rlig ers\u00e4ttning som betalas i kontanter och inte  \u00e4r kopplad till utvecklingen f\u00f6r Nordeas aktiekurs kostnads- f\u00f6rs i samband med intj\u00e4nandet och inkluderas under \u201dFast  och r\u00f6rlig l\u00f6n\u201d nedan. Intj\u00e4nad och uppskjuten aktiebaserad  ers\u00e4ttning, som ocks\u00e5 kostnadsf\u00f6rts som \u201dFast och r\u00f6rlig l\u00f6n\u201d  i tabellen nedan, redovisas separat i not K8.3 \u201dAktierelaterade  ers\u00e4ttningsprogram\u201d. Personalkostnader Mn euro 2022 2021 Fast och r\u00f6rlig l\u00f6n1 -2 195 -2 145 Pensionskostnader (speci\ufb01kation nedan) -277 -279 Sociala avgifter -407 -402 \u00d6vriga personalkostnader2  44 67 Summa -2 835 -2 759 1)   Avs\u00e4ttning f\u00f6r vinstandel 2022 uppgick till 67 mn euro (57 mn euro) varav 67 mn  euro (62 mn euro) \u00e4r en ny avs\u00e4ttning och 0 mn euro (-5 mn euro) \u00e4r en justering  relaterad till tidigare \u00e5r. 2)   Inkluderat kapitalisering av IT-projekt med 126 mn euro (138 mn euro) . ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGeneralAndAdministrativeExpenseExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-583": {
   "value": "K2.6  \u00d6vriga kostnader Redovisningsprinciper Transaktioner som inte kan h\u00e4nf\u00f6ras till n\u00e5gon annan kost- nadspost, redovisas normalt under \u201d\u00d6vriga kostnader\u201d. Mer- parten av kostnaderna \u00e4r relaterade till ink\u00f6p av IT-tj\u00e4nster och andra tj\u00e4nster. Kostnaderna f\u00f6r ink\u00f6p av tj\u00e4nster \u00e4r normalt transaktionsbaserade och redovisas i den period d\u00e5 tj\u00e4nsterna erh\u00e5lls. Nettof\u00f6rluster fr\u00e5n avyttring av aktier i koncernf\u00f6retag, intressef\u00f6retag och joint ventures, liksom nettof\u00f6rluster fr\u00e5n avyttring av materiella tillg\u00e5ngar, redovisas normalt under \u201d\u00d6vriga kostnader\u201d n\u00e4r det \u00e4r sannolikt att de f\u00f6rm\u00e5ner som \u00e4r kopplade till transaktionen tillfaller Nordea, och om de bety- dande riskerna och f\u00f6rm\u00e5nerna har \u00f6verf\u00f6rts till k\u00f6paren (van- ligtvis n\u00e4r transaktionen har slutf\u00f6rts). K2.7  Lagstadgade avgifter Redovisningsprinciper Kostnaden f\u00f6r dessa avgifter redovisas n\u00e4r skyldigheten att betala uppst\u00e5r. Resolutionsavgifter kan inte \u00e5terbetalas om Nordea skulle upph\u00f6ra med sin verksamhet, och betalnings- skyldigheten bed\u00f6ms f\u00f6ljaktligen uppst\u00e5 p\u00e5 \u00e5rets f\u00f6rsta dag. Den svenska bankskatten kan \u00e5terbetalas f\u00f6r den period under vilken Nordea inte bedriver n\u00e5gon verksamhet, och betalningsskyldigheten bed\u00f6ms d\u00e4rf\u00f6r uppst\u00e5 l\u00f6pande under \u00e5ret. Resolutionsavgifter redovisas d\u00e4rmed i sin helhet under f\u00f6rsta kvartalet medan den svenska bankskatten periodiseras linj\u00e4rt under \u00e5ret. Mer information om den f\u00f6r\u00e4ndrade redo- visningen \ufb01nns i not K1 \u201dRedovisningsprinciper\u201d. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForExpensesExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-584": {
   "value": "Revisionsarvoden3 Mn euro 2022 2021 PricewaterhouseCoopers Revisionsuppdrag -8 -8 Revisionsverksamhet ut\u00f6ver revisionsuppdraget4 0 -1 \u00d6vriga uppdrag4 -1 -1 Summa -9 -10 1)  IT-konsulttj\u00e4nster ing\u00e5r i Informationsteknik. 2)  Revisionsarvoden ing\u00e5r i Konsult- och revisionstj\u00e4nster. 3)  Varken PricewaterhouseCoopers Oy eller n\u00e5got annat f\u00f6retag i PricewaterhouseCoo- pers n\u00e4tverk har utf\u00f6rt n\u00e5gon skatter\u00e5dgivning. Revisionsarvoden i tabellen redovisas exklusive ej avdragsgill moms. 4)  PricewaterhouseCoopers Oy svarade f\u00f6r -0,2 mn euro (-0,1 mn euro) av Revisionsverksam- het ut\u00f6ver revisionsuppdraget och f\u00f6r -0,5 mn euro (-0,4 mn euro) av \u00d6vriga uppdrag ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAuditorsRemunerationExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-585": {
   "value": "K2.7  Lagstadgade avgifter Redovisningsprinciper Kostnaden f\u00f6r dessa avgifter redovisas n\u00e4r skyldigheten att betala uppst\u00e5r. Resolutionsavgifter kan inte \u00e5terbetalas om Nordea skulle upph\u00f6ra med sin verksamhet, och betalnings- skyldigheten bed\u00f6ms f\u00f6ljaktligen uppst\u00e5 p\u00e5 \u00e5rets f\u00f6rsta dag. Den svenska bankskatten kan \u00e5terbetalas f\u00f6r den period under vilken Nordea inte bedriver n\u00e5gon verksamhet, och betalningsskyldigheten bed\u00f6ms d\u00e4rf\u00f6r uppst\u00e5 l\u00f6pande under \u00e5ret. Resolutionsavgifter redovisas d\u00e4rmed i sin helhet under f\u00f6rsta kvartalet medan den svenska bankskatten periodiseras linj\u00e4rt under \u00e5ret. Mer information om den f\u00f6r\u00e4ndrade redo- visningen \ufb01nns i not K1 \u201dRedovisningsprinciper\u201d. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTaxesOtherThanIncomeTaxExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-586": {
   "value": "K2.9 Kreditf<span class=\"__9 _413\"/>\u00f6rluster<span class=\"__9 _356\"> </span>Redovisningsprinicper Nedskrivningar av \ufb01nansiella tillg\u00e5ngar i ka<span class=\"__9 _413\"/>tegorierna \u201dUpp-<span class=\"__9 _356\"> </span><span class=\"__9 _356\">lupet anskaffningsv</span><span class=\"__9 _413\"/>\u00e4rde\u201d och \u201dVerkligt v<span class=\"__9 _413\"/>\u00e4rde via \u00f6vrigt total-<span class=\"__9 _356\"> </span>resulta<span class=\"__9 _413\"/>t<span class=\"__9 _a_8\"/>\u201d (se not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d) p\u00e5 balansraderna \u201dUtl\u00e5ning till cen<span class=\"__9 _413\"/>tralbanker<span class=\"__9 _a_8\"/>\u201d<span class=\"__9 _413\"/>, \u201dUtl\u00e5ning till kre-<span class=\"__9 _356\"> </span>ditinstitut\u201d<span class=\"__9 _413\"/>, \u201dUtl\u00e5ning till allm\u00e4nheten\u201d och \u201dR\u00e4nteb\u00e4r<span class=\"__9 _413\"/>ande v\u00e4rdepapper\u201d<span class=\"__9 _413\"/>, redovisas som \u201dKreditf<span class=\"__9 _413\"/>\u00f6rluster<span class=\"__9 _413\"/>, netto\u201d<span class=\"__9 _413\"/>, tillsam-<span class=\"__9 _356\"> </span>mans med f\u00f6rlus<span class=\"__9 _413\"/>ter fr\u00e5n \ufb01nansiella garan<span class=\"__9 _413\"/>tier. F<span class=\"__9 _413\"/>\u00f6rlusterna redovisas med a<span class=\"__9 _413\"/>vdrag f\u00f6r e<span class=\"__9 _348\"/>ventuella s\u00e4k<span class=\"__9 _413\"/>erheter eller andra kreditf<span class=\"__9 _348\"/>\u00f6rst\u00e4rkningar<span class=\"__9 _413\"/>. Nordeas redovisningsprinciper f<span class=\"__9 _413\"/>\u00f6r ber\u00e4kningen a<span class=\"__9 _413\"/>v nedskrivning av l\u00e5n och till\u00e4mpade kritiska bed\u00f6mningar \ufb01nns i not K3.<span class=\"__9 _348\"/>7 \u201dUtl\u00e5ning\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Motpartsf\u00f6rlus<span class=\"__9 _413\"/>ter h\u00e4nf\u00f6rliga till ins<span class=\"__9 _348\"/>trument som klassi\ufb01ce-<span class=\"__9 _356\"> </span>rats i ka<span class=\"__9 _413\"/>tegorin \u201dFinansiella tillg\u00e5ngar v\u00e4rderade till verkligt<span class=\"__9 _356\"> </span>v\u00e4rde via r<span class=\"__9 _348\"/>esultatr<span class=\"__9 _413\"/>\u00e4kningen\u201d<span class=\"__9 _413\"/>, inklusive kreditderiva<span class=\"__9 _413\"/>t men exklusiv<span class=\"__9 _413\"/>e l\u00e5nefordringar redovisade till v<span class=\"__9 _413\"/>erkligt v\u00e4rde, redovi-<span class=\"__9 _356\"> </span>sas under \u201dNettoresult<span class=\"__9 _348\"/>at a<span class=\"__9 _413\"/>v poster till verkligt\u201d eller, om de \u00e4r h\u00e4nf<span class=\"__9 _413\"/>\u00f6rliga till l\u00e5nefordringar i portf\u00f6ljer d\u00e4r a<span class=\"__9 _413\"/>vsikten \u00e4r att beh\u00e5lla instrument<span class=\"__9 _413\"/>en till f\u00f6rfall och som det \u00e4r obligatorisk<span class=\"__9 _413\"/>t att v\u00e4r<span class=\"__9 _348\"/>dera till verkligt v<span class=\"__9 _413\"/>\u00e4rde (uppfyller inte SPPI-kriteriet, dvs. att det uteslut<span class=\"__9 _348\"/>ande r\u00f6r sig om betalning a<span class=\"__9 _413\"/>v kapitalbelopp och r\u00e4n<span class=\"__9 _348\"/>ta), under posten \u201dNettor<span class=\"__9 _413\"/>esultat av utl\u00e5ning i portf<span class=\"__9 _413\"/>\u00f6l-<span class=\"__9 _356\"> </span>jer som h\u00e5lls till f\u00f6rf<span class=\"__9 _413\"/>all och obligatoriskt v\u00e4r<span class=\"__9 _413\"/>deras till verkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>. F\u00f6r ytterligar<span class=\"__9 _413\"/>e information, se no<span class=\"__9 _413\"/>t K2.4 \u201dSumma net-<span class=\"__9 _356\"> </span>toresult<span class=\"__9 _348\"/>at a<span class=\"__9 _413\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Ytterligare in<span class=\"__9 _348\"/>forma<span class=\"__9 _413\"/>tion om kreditrisk \ufb01nns i not K11 \u201dRisk- och likviditetshant<span class=\"__9 _348\"/>ering\u201d<span class=\"__9 _356\"> </span><span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>Kreditf<span class=\"__9 _348\"/>\u00f6rluster<span class=\"__9 _356\"> </span>2022, mn euro<span class=\"__9 _356\"> </span>Utl\u00e5ning till centralbank<span class=\"__9 _348\"/>er och <span class=\"__9 _356\">kreditinstitut2<span class=\"__9 _356\"> </span></span>Utl\u00e5ning til <span class=\"__9 _356\">allm\u00e4nheten2<span class=\"__9 _356\"> </span></span>R\u00e4nteb\u00e4rande <span class=\"__9 _356\">v\u00e4rdepapper3<span class=\"__9 _356\"> </span></span>Poster utan<span class=\"__9 _348\"/>f\u00f6r <span class=\"__9 _356\">balansr\u00e4kningen4</span><span class=\"__9 _379\"> </span>Summa<span class=\"__9 _356\"> </span>Kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _413\"/>, kategori 1<span class=\"__9 _d9_1\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _4e_1\"> </span><span class=\"ls2_8 ws5_8\">-29<span class=\"__9 _a7_2\"> </span></span></span>11<span class=\"__9 _4f_1\"> </span><span class=\"ls3_8 ws6_8\">-10<span class=\"__9 _4e_1\"> </span><span class=\"ls2_8 ws5_8\">-29<span class=\"__9 _356\"> </span></span></span>Kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _413\"/>, kategori 2<span class=\"__9 _da_1\"> </span>0<span class=\"__9 _b0_1\"> </span><span class=\"ls3_8 ws6_8\">-17<span class=\"__9 _db_1\"> </span></span>0<span class=\"__9 _a8_2\"> </span>15<span class=\"__9 _aa_1\"> </span><span class=\"ls2_8 ws5_8\">-2<span class=\"__9 _356\"> </span></span>Kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _413\"/>, icke faller<span class=\"__9 _348\"/>ade<span class=\"__9 _dc_1\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _397\"> </span></span>-46<span class=\"__9 _aa_1\"> </span>11<span class=\"__9 _db_1\"> </span>5<span class=\"__9 _4f_1\"> </span>-31<span class=\"__9 _356\"> </span>Kategori 3, f<span class=\"__9 _413\"/>allerade<span class=\"__9 _356\"> </span>Kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _413\"/>, individuellt v\u00e4rderade, k<span class=\"__9 _413\"/><span class=\"__9 _356\">ollektivt ber\u00e4knade1</span><span class=\"__9 _dd_2\"> </span>-5<span class=\"__9 _442\"> </span>96<span class=\"__9 _de_1\"> </span>\u2013<span class=\"__9 _aa_1\"> </span>-3<span class=\"__9 _442\"> </span>88<span class=\"__9 _356\"> </span>Konsta<span class=\"__9 _413\"/>terade kreditf\u00f6rlust<span class=\"__9 _413\"/>er<span class=\"__9 _df_1\"> </span>-5<span class=\"__9 _369\"> </span>-701<span class=\"__9 _e0_1\"> </span>\u2013<span class=\"__9 _aa_1\"> </span>-3<span class=\"__9 _374\"> </span>-709<span class=\"__9 _356\"> </span>Minskning av a<span class=\"__9 _413\"/>vs\u00e4ttningar som tagits i anspr\u00e5k f\u00f6r a<span class=\"__9 _348\"/>tt t\u00e4cka konstat<span class=\"__9 _413\"/>erade kreditf\u00f6rluster<span class=\"__9 _e1_1\"> </span>\u2013<span class=\"__9 _ab_1\"> </span>509<span class=\"__9 _de_1\"> </span>\u2013<span class=\"__9 _db_1\"> </span>3<span class=\"__9 _4e_1\"> </span><span class=\"ls3_8 ws6_8\">512<span class=\"__9 _356\"> </span></span>\u00c5terf\u00f6ringar a<span class=\"__9 _413\"/>v tidigare konstaterade kr<span class=\"__9 _413\"/>editf\u00f6rluster<span class=\"__9 _d5_1\"> </span>1<span class=\"__9 _6c_1\"> </span>63<span class=\"__9 _e0_1\"> </span>\u2013<span class=\"__9 _de_1\"> </span>\u2013<span class=\"__9 _442\"> </span><span class=\"ls6_8 ws9_8\">64<span class=\"__9 _356\"> </span></span>Garantiers\u00e4ttning<span class=\"__9 _e2_1\"> </span>\u2013<span class=\"__9 _e0_1\"> </span>\u2013<span class=\"__9 _de_1\"> </span>\u2013<span class=\"__9 _e3_1\"> </span>1<span class=\"__9 _e3_1\"> </span>1<span class=\"__9 _356\"> </span>Ny<span class=\"__9 _413\"/>/\u00f6kad avs\u00e4<span class=\"__9 _348\"/>ttning <span class=\"__9 _e4_1\"> </span><span class=\"ls3_8 ws6_8\">-19<span class=\"__9 _5f_1\"> </span><span class=\"ls2_8 ws5_8\">-251<span class=\"__9 _de_1\"> </span></span></span>\u2013<span class=\"__9 _390\"> </span><span class=\"ls3_8 ws6_8\">-11<span class=\"__9 _369\"> </span></span>-281<span class=\"__9 _356\"> </span>\u00c5terf\u00f6ring a<span class=\"__9 _413\"/>v avs\u00e4ttningar<span class=\"__9 _e5_1\"> </span>\u2013<span class=\"__9 _6a_1\"> </span>239<span class=\"__9 _e0_1\"> </span>\u2013<span class=\"__9 _e6_1\"> </span>5<span class=\"__9 _6a_1\"> </span><span class=\"ls2_8 ws5_8\">244<span class=\"__9 _356\"> </span></span>Kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _413\"/>, fallerade<span class=\"__9 _e7_1\"> </span><span class=\"ls2_8 ws5_8\">-28<span class=\"__9 _373\"> </span></span>-45<span class=\"__9 _de_1\"> </span><span class=\"ff2_9\">\u2013<span class=\"__9 _4d_1\"> </span></span>-8<span class=\"__9 _4e_1\"> </span>-81<span class=\"__9 _356\"> </span>Kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _413\"/>, netto<span class=\"__9 _e8_2\"> </span><span class=\"ls2_8 ws5_8\">-29<span class=\"__9 _4f_1\"> </span></span>-91<span class=\"__9 _aa_1\"> </span>11<span class=\"__9 _a8_2\"> </span>-3<span class=\"__9 _5f_1\"> </span>-112<span class=\"__9 _356\"> </span>2021, mn euro<span class=\"__9 _356\"> </span>Utl\u00e5ning till centralbank<span class=\"__9 _348\"/>er och <span class=\"__9 _356\">kreditinstitut2<span class=\"__9 _356\"> </span></span>Utl\u00e5ning til <span class=\"__9 _356\">allm\u00e4nheten2<span class=\"__9 _356\"> </span></span>R\u00e4nteb\u00e4rande <span class=\"__9 _356\">v\u00e4rdepapper3<span class=\"__9 _356\"> </span></span>Poster utan<span class=\"__9 _348\"/>f\u00f6r <span class=\"__9 _356\">balansr\u00e4kningen4</span><span class=\"__9 _379\"> </span>Summa<span class=\"__9 _356\"> </span>Kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _413\"/>, kategori 1<span class=\"__9 _e9_2\"> </span>0<span class=\"__9 _4d_1\"> </span>91<span class=\"__9 _b0_1\"> </span><span class=\"ls3_8 ws6_8\">-12<span class=\"__9 _6c_1\"> </span></span>33<span class=\"__9 _4f_1\"> </span>112<span class=\"__9 _356\"> </span>Kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _413\"/>, kategori 2<span class=\"__9 _ea_2\"> </span>1<span class=\"__9 _6c_1\"> </span>92<span class=\"__9 _e0_1\"> </span>\u2013<span class=\"__9 _4d_1\"> </span>10<span class=\"__9 _397\"> </span>103<span class=\"__9 _356\"> </span>Kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _413\"/>, icke faller<span class=\"__9 _348\"/>ade<span class=\"__9 _eb_1\"> </span>1<span class=\"__9 _6a_1\"> </span>183<span class=\"__9 _b0_1\"> </span><span class=\"ls3_8 ws6_8\">-12<span class=\"__9 _442\"> </span><span class=\"ls4_8 ws7_8\">43<span class=\"__9 _373\"> </span></span></span>215<span class=\"__9 _356\"> </span>Kategori 3, f<span class=\"__9 _413\"/>allerade<span class=\"__9 _356\"> </span>Kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _413\"/>, individuellt v\u00e4rderade, k<span class=\"__9 _413\"/><span class=\"__9 _356\">ollektivt ber\u00e4knade1</span><span class=\"__9 _417\"> </span>\u2013<span class=\"__9 _397\"> </span>-68<span class=\"__9 _de_1\"> </span>\u2013<span class=\"__9 _e0_1\"> </span>\u2013<span class=\"__9 _373\"> </span>-68<span class=\"__9 _356\"> </span>Konsta<span class=\"__9 _413\"/>terade kreditf\u00f6rlust<span class=\"__9 _413\"/>er<span class=\"__9 _ec_1\"> </span>\u2013<span class=\"__9 _1c_5\"> </span>-490<span class=\"__9 _de_1\"> </span>\u2013<span class=\"__9 _aa_1\"> </span>-3<span class=\"__9 _2d_3\"> </span>-<span class=\"__9 _a_8\"/>493<span class=\"__9 _356\"> </span>Minskning av a<span class=\"__9 _413\"/>vs\u00e4ttningar som tagits i anspr\u00e5k f\u00f6r a<span class=\"__9 _348\"/>tt t\u00e4cka konstat<span class=\"__9 _413\"/>erade kreditf\u00f6rluster<span class=\"__9 _e1_1\"> </span>\u2013<span class=\"__9 _373\"> </span>261<span class=\"__9 _e0_1\"> </span>\u2013<span class=\"__9 _db_1\"> </span>3<span class=\"__9 _ed_1\"> </span>264<span class=\"__9 _356\"> </span>\u00c5terf\u00f6ringar a<span class=\"__9 _413\"/>v tidigare konstaterade kr<span class=\"__9 _413\"/>editf\u00f6rluster<span class=\"__9 _d5_1\"> </span>1<span class=\"__9 _6c_1\"> </span><span class=\"lsd_7 wsf_8\">52<span class=\"__9 _de_1\"> </span></span>\u2013<span class=\"__9 _de_1\"> </span>\u2013<span class=\"__9 _6c_1\"> </span>53<span class=\"__9 _356\"> </span>Garantiers\u00e4ttning<span class=\"__9 _e2_1\"> </span>\u2013<span class=\"__9 _e0_1\"> </span>\u2013<span class=\"__9 _de_1\"> </span>\u2013<span class=\"__9 _e3_1\"> </span>1<span class=\"__9 _e3_1\"> </span>1<span class=\"__9 _356\"> </span>Ny<span class=\"__9 _413\"/>/\u00f6kad avs\u00e4<span class=\"__9 _348\"/>ttning <span class=\"__9 _ee_2\"> </span>\u2013<span class=\"__9 _2d_3\"> </span>-399<span class=\"__9 _de_1\"> </span>\u2013<span class=\"__9 _4e_1\"> </span><span class=\"ls3_8 ws6_8\">-1<span class=\"__9 _a_8\"/>0<span class=\"__9 _1c_5\"> </span></span>-<span class=\"__9 _a_8\"/>409<span class=\"__9 _356\"> </span>\u00c5terf\u00f6ring a<span class=\"__9 _413\"/>v avs\u00e4ttningar<span class=\"__9 _e5_1\"> </span>\u2013<span class=\"__9 _ed_1\"> </span>307<span class=\"__9 _de_1\"> </span>\u2013<span class=\"__9 _a8_2\"> </span>12<span class=\"__9 _373\"> </span>319<span class=\"__9 _356\"> </span>Kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _413\"/>, fallerade<span class=\"__9 _ea_2\"> </span>1<span class=\"__9 _374\"> </span>-337<span class=\"__9 _de_1\"> </span><span class=\"ff2_9\">\u2013<span class=\"__9 _db_1\"> </span></span>3<span class=\"__9 _368\"> </span>-333<span class=\"__9 _356\"> </span>Kreditf\u00f6rl<span class=\"__9 _348\"/>uster<span class=\"__9 _413\"/>, netto<span class=\"__9 _ef_1\"> </span>2<span class=\"__9 _368\"> </span>-154<span class=\"__9 _4f_1\"> </span><span class=\"ls3_8 ws6_8\">-12<span class=\"__9 _442\"> </span></span>46<span class=\"__9 _369\"> </span>-118<span class=\"__9 _356\"> </span>1) Inkluderar individuellt iden<span class=\"__9 _348\"/>ti\ufb01erade tillg\u00e5ngar d\u00e4r avs\u00e4<span class=\"__9 _413\"/>ttningarna har ber\u00e4knats med en statistisk modell.<span class=\"__9 _356\"> </span>2) A<span class=\"__9 _413\"/>vs\u00e4ttningar inkluderade i not K3.7 \u201dUtl\u00e5ning\u201d<span class=\"__9 _357\"/>.<span class=\"__9 _356\"> </span>3) A<span class=\"__9 _413\"/>vs\u00e4ttningar inkluderade i not K3.8 \u201dR\u00e4nteb\u00e4r<span class=\"__9 _348\"/>ande v\u00e4rdepapper\u201d.<span class=\"__9 _356\"> </span>4) A<span class=\"__9 _413\"/>vs\u00e4ttningar inkluderade i not K6 \u201d<span class=\"__9 _357\"/>Avs\u00e4ttningar\u201d<span class=\"__9 _356\"> </span><span class=\"__9 _413\"/>.<span class=\"__9 _356\"> </span>K5.<span class=\"__11 _625\"/>1  Immateriella tillg\u00e5ngar<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>Immateriella tillg\u00e5ngar \u00e4r iden<span class=\"__11 _617\"/>ti\ufb01erbara, icke-monet<span class=\"__11 _617\"/>\u00e4ra till-<span class=\"__11 _624\"> </span><span class=\"__11 _624\">g\u00e5ngar som saknar fysisk beskaff</span><span class=\"__11 _617\"/>enhet. Tillg\u00e5ngarna s<span class=\"__11 _617\"/>t\u00e5r under Nordeas kon<span class=\"__11 _617\"/>troll, vilket inneb\u00e4r att Nor<span class=\"__11 _617\"/>dea har m\u00f6jlighet och r\u00e4tt a<span class=\"__11 _617\"/>tt erh\u00e5lla de fram<span class=\"__11 _617\"/>tida ekonomiska f<span class=\"__11 _617\"/>\u00f6rdelarna h\u00e4n<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>\u00f6r-<span class=\"__11 _624\"> </span>liga till den underliggande tillg\u00e5ngen. Nordeas immateriella tillg\u00e5ngar utg\u00f6rs fr\u00e4ms<span class=\"__11 _617\"/>t av goodwill, IT<span class=\"__11 _625\"/>-utvecklingsprojek<span class=\"__11 _617\"/>t/pro-<span class=\"__11 _624\"> </span>gramv<span class=\"__11 _617\"/>aror och kundr<span class=\"__11 _617\"/>elater<span class=\"__11 _617\"/>ade immateriella tillg\u00e5ngar<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Goodwill<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Goodwill utg\u00f6r skillnaden mellan anskaffningsv</span><span class=\"__11 _617\"/>\u00e4rdet och det verkliga v\u00e4r<span class=\"__11 _617\"/>det p\u00e5 <span class=\"ws7_10\">Nordea</span>s andel a<span class=\"__11 _617\"/>v identi\ufb01erbar<span class=\"__11 _617\"/>a nettotillg\u00e5ng<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ar i f\u00f6rv\u00e4rvade konc<span class=\"__11 _617\"/>ernf<span class=\"__11 _617\"/>\u00f6retag/in<span class=\"__11 _617\"/>tressef<span class=\"__11 _617\"/>\u00f6ret<span class=\"__11 _617\"/>ag/joint ven<span class=\"__11 _617\"/>tures vid f\u00f6rv\u00e4rvstidpunk<span class=\"__11 _617\"/>ten. Goodwill som uppkommit vid f<span class=\"__11 _617\"/>\u00f6rv\u00e4rv av koncern<span class=\"__11 _617\"/>f\u00f6r<span class=\"__11 _617\"/>etag redovisas som \u201dImma<span class=\"__11 _617\"/>teriella tillg\u00e5ngar<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>. Good<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>will som uppkommit vid f<span class=\"__11 _617\"/>\u00f6rv\u00e4rv av in<span class=\"__11 _617\"/>tressef<span class=\"__11 _617\"/>\u00f6retag och join<span class=\"__11 _617\"/>t ven<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>tures redo<span class=\"__11 _617\"/>visas inte som en s<span class=\"__11 _617\"/>eparat tillg\u00e5ng ut<span class=\"__11 _617\"/>an som \u201d<span class=\"__11 _625\"/>Ak<span class=\"__11 _617\"/>tier och andelar i intre<span class=\"__11 _617\"/>ssef\u00f6r<span class=\"__11 _617\"/>etag och joint v<span class=\"__11 _617\"/>entur<span class=\"__11 _617\"/>es\u201d<span class=\"__11 _625\"/>. Goodwill pr\u00f6vas \u00e5rligen f\u00f6r ev<span class=\"__11 _617\"/>entuell<span class=\"__11 _617\"/>t nedskrivningsbehov<span class=\"__11 _625\"/>, eller oftare om h\u00e4n<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>delser eller \u00e4ndrade f<span class=\"__11 _617\"/>\u00f6ruts\u00e4ttningar ty<span class=\"__11 _617\"/>der p\u00e5 att nedskrivnings<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>behov \ufb01nns. Goodwill redovisas till ansk<span class=\"__11 _617\"/><span class=\"__11 _624\">affningsv</span><span class=\"__11 _617\"/>\u00e4rde minskat med ackumulerade nedskrivningar<span class=\"__11 _625\"/>. Nedskrivning av goodwill kan inte \u00e5<span class=\"__11 _617\"/>terf\u00f6r<span class=\"__11 _617\"/>as i senare perioder<span class=\"__11 _625\"/>. Goodwill h\u00e4nf\u00f6rlig till in<span class=\"__11 _617\"/>tres<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>sef\u00f6r<span class=\"__11 _617\"/>etag och joint v<span class=\"__11 _617\"/>entur<span class=\"__11 _617\"/>es pr\u00f6v<span class=\"__11 _617\"/>as int<span class=\"__11 _617\"/>e separat f<span class=\"__11 _617\"/>\u00f6r nedskriv<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ningsbehov utan inkluder<span class=\"__11 _617\"/>as i det redovisade v<span class=\"__11 _617\"/>\u00e4rdet p\u00e5 intr<span class=\"__11 _617\"/>esse<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>f\u00f6r<span class=\"__11 _617\"/>etaget och joint v<span class=\"__11 _617\"/>enture-f<span class=\"__11 _617\"/>\u00f6retaget. Principerna f\u00f6r nedskriv<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ningspr\u00f6vning a<span class=\"__11 _617\"/>v in<span class=\"__11 _617\"/>tressef<span class=\"__11 _617\"/>\u00f6retag och join<span class=\"__11 _617\"/>t ven<span class=\"__11 _617\"/>tures beskrivs i not K9.3 \u201d<span class=\"__11 _625\"/>Ak<span class=\"__11 _617\"/>tier och andelar i intr<span class=\"__11 _617\"/>essef<span class=\"__11 _617\"/>\u00f6retag och join<span class=\"__11 _617\"/>t ven<span class=\"__11 _617\"/>tures\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>IT<span class=\"__11 _625\"/>-utvecklingsprojek<span class=\"__11 _617\"/>t/progr<span class=\"__11 _617\"/>amvar<span class=\"__11 _617\"/>or<span class=\"__11 _624\"> </span>Kostnader h\u00e4n<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>\u00f6rliga till underh\u00e5ll av pr<span class=\"__11 _617\"/>ogramv<span class=\"__11 _617\"/>aror kos<span class=\"__11 _617\"/>tnads-<span class=\"__11 _624\"> </span>f\u00f6rs l\u00f6pande. Utgifter dir<span class=\"__11 _617\"/>ekt h\u00e4n<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>\u00f6rbara till st<span class=\"__11 _617\"/>\u00f6rre inv<span class=\"__11 _617\"/>esteringar i utveckling a<span class=\"__11 _617\"/>v program<span class=\"__11 _617\"/>vara r<span class=\"__11 _617\"/>edovisas som imma<span class=\"__11 _617\"/>teriella till-<span class=\"__11 _624\"> </span>g\u00e5ngar om de f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tas generer<span class=\"__11 _617\"/>a fram<span class=\"__11 _617\"/>tida ekonomiska f<span class=\"__11 _617\"/>\u00f6rde-<span class=\"__11 _624\"> </span>lar<span class=\"__11 _617\"/>. Dessa ut<span class=\"__11 _617\"/>gifter omf<span class=\"__11 _617\"/>attar personalk<span class=\"__11 _617\"/>ostnader f<span class=\"__11 _617\"/>\u00f6r programut-<span class=\"__11 _624\"> </span>veckling och indirek<span class=\"__11 _617\"/>ta kos<span class=\"__11 _617\"/>tnader f\u00f6r a<span class=\"__11 _617\"/>tt f\u00e4r<span class=\"__11 _617\"/>digst\u00e4lla tillg\u00e5ngen f\u00f6r a<span class=\"__11 _617\"/>vsedd an<span class=\"__11 _617\"/>v\u00e4ndning. Progr<span class=\"__11 _617\"/>amkostnader om<span class=\"__11 _617\"/>fa<span class=\"__11 _617\"/>ttar ocks\u00e5 f<span class=\"__11 _617\"/>\u00f6r-<span class=\"__11 _624\"> </span>v\u00e4rvade progr<span class=\"__11 _617\"/>amlicenser som in<span class=\"__11 _617\"/>te \u00e4r h\u00e4nf<span class=\"__11 _617\"/>\u00f6rliga till funk<span class=\"__11 _617\"/>tionen hos en materiell tillg\u00e5ng.<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vskrivningen ber\u00e4knas linj\u00e4rt \u00f6v<span class=\"__11 _617\"/>er program<span class=\"__11 _617\"/>var<span class=\"__11 _617\"/>ans nyttjan-<span class=\"__11 _624\"> </span>deperiod, som vanligen \u00e4r 3 till 5 \u00e5r<span class=\"__11 _625\"/>, och i vissa fall f\u00f6r s<span class=\"__11 _617\"/>tra<span class=\"__11 _617\"/>te-<span class=\"__11 _624\"> </span>gisk infr<span class=\"__11 _617\"/>astruk<span class=\"__11 _617\"/>tur upp till maximalt 10 \u00e5r<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Kundrela<span class=\"__11 _617\"/>terade imma<span class=\"__11 _617\"/>teriella tillg\u00e5ngar<span class=\"__11 _624\"> </span>I samband med r\u00f6relsef<span class=\"__11 _617\"/>\u00f6rv\u00e4rv allokeras normalt s<span class=\"__11 _617\"/>ett en del av k\u00f6peskillingen till kundr<span class=\"__11 _617\"/>elater<span class=\"__11 _617\"/>ade immateriella tillg\u00e5ngar<span class=\"__11 _625\"/>, under f\u00f6ruts\u00e4<span class=\"__11 _617\"/>ttning att tillg\u00e5ngen \u00e4r iden<span class=\"__11 _617\"/>ti\ufb01erbar och under Nordeas kon<span class=\"__11 _617\"/>troll. En immateriell tillg\u00e5ng \u00e4r iden<span class=\"__11 _617\"/>ti\ufb01erbar om den uppst\u00e5r till f<span class=\"__11 _617\"/>\u00f6ljd a<span class=\"__11 _617\"/>v avt<span class=\"__11 _617\"/>alsm\u00e4ssiga eller lagliga r\u00e4ttighet<span class=\"__11 _617\"/>er<span class=\"__11 _617\"/>, eller om den kan separeras f<span class=\"__11 _617\"/>r\u00e5n f<span class=\"__11 _617\"/>\u00f6retaget och s\u00e4ljas, \u00f6<span class=\"__11 _617\"/>verf\u00f6r<span class=\"__11 _617\"/>as, licensieras, uthyr<span class=\"__11 _617\"/>as eller bytas. <span class=\"__11 _625\"/>Tillg\u00e5ngen skrivs av \u00f6ver n<span class=\"__11 _617\"/>ytt-<span class=\"__11 _624\"> </span>jandeperioden, som vanligen \u00e4r mer \u00e4n 10 \u00e5r<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Nedskrivning Goodwill och IT<span class=\"__11 _625\"/>-utvecklingsprojekt s<span class=\"__11 _617\"/>om \u00e4nnu inte t<span class=\"__11 _617\"/>agits i bruk skrivs inte a<span class=\"__11 _617\"/>v<span class=\"__11 _625\"/>, men pr\u00f6vas \u00e5rligen med a<span class=\"__11 _617\"/>vseende p\u00e5 ev<span class=\"__11 _617\"/>entuell<span class=\"__11 _617\"/>t nedskrivningsbehov<span class=\"__11 _625\"/>. Pr\u00f6vningen g\u00f6rs oftare om n\u00e5got ty<span class=\"__11 _617\"/>der p\u00e5 att ett nedskrivningsbehov f<span class=\"__11 _617\"/>\u00f6religger<span class=\"__11 _625\"/>. \u00c4<span class=\"__11 _625\"/>ven f\u00f6r immateriella tillg\u00e5ngar som tagits i bruk och skrivs a<span class=\"__11 _617\"/>v<span class=\"__11 _625\"/>, g\u00f6r<span class=\"__11 _626\"/>s en bed\u00f6mning med avseende p\u00e5 indik<span class=\"__11 _617\"/>ationer p\u00e5 nedskrivningsbehov<span class=\"__11 _625\"/>. Om s\u00e5dana indikationer \ufb01nns, pr\u00f6<span class=\"__11 _617\"/>vas nedskrivningsbehov<span class=\"__11 _617\"/>et f\u00f6r till<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>g\u00e5ngen. Nedskrivningskostnaden ber<span class=\"__11 _617\"/>\u00e4knas som skillnaden mellan redovisa<span class=\"__11 _617\"/>t v\u00e4rde och \u00e5<span class=\"__11 _617\"/>tervinningsv\u00e4rde. \u00c5tervinningsv\u00e4rdet \u00e4r det h\u00f6gre a<span class=\"__11 _617\"/>v verkligt v<span class=\"__11 _617\"/>\u00e4rde efter av<span class=\"__11 _617\"/>drag f<span class=\"__11 _617\"/>\u00f6r f<span class=\"__11 _617\"/>\u00f6rs\u00e4ljningskostnader och nyttjandev<span class=\"__11 _617\"/>\u00e4rdet f<span class=\"__11 _617\"/>\u00f6r till<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>g\u00e5ngen eller den kassagenererande enhet<span class=\"__11 _617\"/>en. Kassagenerer<span class=\"__11 _617\"/>an<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>de enhet de\ufb01nieras som den minst<span class=\"__11 _617\"/>a identi\ufb01erbar<span class=\"__11 _617\"/>a grupp av till<span class=\"__11 _617\"/><span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>g\u00e5ngar som ger upphov till kassafl\u00f6den s<span class=\"__11 _617\"/>om i allt v\u00e4sen<span class=\"__11 _617\"/>tligt \u00e4r oberoende a<span class=\"__11 _617\"/>v andra tillg\u00e5ngar<span class=\"__11 _625\"/>. F\u00f6r goodwill och IT<span class=\"__11 _625\"/>-utvecklings<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>projekt s<span class=\"__11 _617\"/>om \u00e4nnu inte t<span class=\"__11 _617\"/>agits i bruk, motsvaras de kassagener<span class=\"__11 _617\"/>e<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>rande enheterna a<span class=\"__11 _617\"/>v r\u00f6r<span class=\"__11 _617\"/>elsesegmen<span class=\"__11 _617\"/>ten. Nyttjandev\u00e4r<span class=\"__11 _617\"/>det \u00e4r nuv\u00e4rdet a<span class=\"__11 _617\"/>v de kassafl\u00f6den s<span class=\"__11 _617\"/>om tillg\u00e5ngen eller den kassage<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>nererande enheten f<span class=\"__11 _617\"/>\u00f6rv\u00e4n<span class=\"__11 _617\"/>tas ge upphov til<span class=\"__11 _624\"> </span>l. Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__11 _617\"/>ttningar<span class=\"__11 _624\"> </span>Pr\u00f6vning a<span class=\"__11 _617\"/>v nedskrivningsbehov f<span class=\"__11 _625\"/>\u00f6r goodwill och andra immat<span class=\"__11 _617\"/>eriella tillg\u00e5ngar<span class=\"__11 _624\"> </span>I samband med identi\ufb01eringen a<span class=\"__11 _617\"/>v kassagenerer<span class=\"__11 _617\"/>ande enheter och i vilken utstr<span class=\"__11 _617\"/>\u00e4ckning de kan l\u00e4ggas samman till grupper som pr\u00f6v<span class=\"__11 _617\"/>as tillsammans beh\u00f6ver bed\u00f6mningar g\u00f6r<span class=\"__11 _617\"/>as. Int<span class=\"__11 _617\"/>ernt utvecklade progr<span class=\"__11 _617\"/>amvar<span class=\"__11 _617\"/>or<span class=\"__11 _625\"/>, som \u00e4nnu inte har b\u00f6rjat skrivas a<span class=\"__11 _617\"/>v<span class=\"__11 _625\"/>, ing\u00e5r i pr\u00f6vningen a<span class=\"__11 _617\"/>v nedskrivningsbehov<span class=\"__11 _617\"/>et och allokeras till kassagenererande enhet<span class=\"__11 _617\"/>er<span class=\"__11 _625\"/>. Nordeas samlade goodwill uppgick <span class=\"__11 _624\">till 2 262 mn euro (1 975 mn euro</span><span class=\"__11 _617\"/>) vid \u00e5rets slut. V<span class=\"__11 _617\"/>\u00e4rdet p\u00e5 pr<span class=\"__11 _617\"/>o-<span class=\"__11 _624\"> </span>gramv<span class=\"__11 _617\"/>aror som \u00e4nnu in<span class=\"__11 _617\"/>te b\u00f6rjat skriv<span class=\"__11 _617\"/>as av uppgick till 41<span class=\"__11 _617\"/><span class=\"__11 _624\">4 mn </span>euro (<span class=\"__11 _617\"/>446 mn euro<span class=\"__11 _617\"/>) vid \u00e5rets slut.<span class=\"__11 _624\"> </span>Uppskattningen a<span class=\"__11 _617\"/>v fr<span class=\"__11 _617\"/>amtida kassafl<span class=\"__11 _617\"/>\u00f6den och ber\u00e4kningen a<span class=\"__11 _617\"/>v diskont<span class=\"__11 _617\"/>eringsr\u00e4n<span class=\"__11 _617\"/>tan f\u00f6r de<span class=\"__11 _617\"/>ssa kassafl\u00f6den \u00e4r f<span class=\"__11 _617\"/>\u00f6renade med os\u00e4<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>kerhet i uppskattningarna. Uppska<span class=\"__11 _617\"/>ttningen a<span class=\"__11 _617\"/>v fram<span class=\"__11 _617\"/>tida kassafl\u00f6<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>den p\u00e5v<span class=\"__11 _617\"/>erkas myck<span class=\"__11 _617\"/>et a<span class=\"__11 _617\"/>v kassafl\u00f6desprognoserna f<span class=\"__11 _617\"/>\u00f6r de n\u00e4rmas<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>te \u00e5ren (normalt 3\u20135 \u00e5r) och a<span class=\"__11 _617\"/>v den uppska<span class=\"__11 _617\"/>ttade tillv<span class=\"__11 _617\"/>\u00e4xttakt<span class=\"__11 _617\"/>en f\u00f6r sek<span class=\"__11 _617\"/>torn eft<span class=\"__11 _617\"/>er 3\u20135 \u00e5r<span class=\"__11 _625\"/>. Tillv<span class=\"__11 _617\"/>\u00e4xttak<span class=\"__11 _617\"/>ten baseras p\u00e5 his<span class=\"__11 _617\"/>toriska dat<span class=\"__11 _617\"/>a som uppdater<span class=\"__11 _617\"/>as f\u00f6r a<span class=\"__11 _617\"/>tt spegla den aktuella situa<span class=\"__11 _617\"/>tionen, vilket ger upphov till os\u00e4kerhet i uppska<span class=\"__11 _617\"/>ttningarna. \u00c4<span class=\"__11 _625\"/>ven vid uppskattning av l\u00e5ngsik<span class=\"__11 _617\"/>tig tillv<span class=\"__11 _617\"/>\u00e4xttak<span class=\"__11 _617\"/>t kr\u00e4<span class=\"__11 _617\"/>vs att kritiska bed\u00f6mningar g\u00f6rs.<span class=\"__11 _624\"> </span>Fr<span class=\"__11 _617\"/>amr\u00e4knade kassafl\u00f6den disk<span class=\"__11 _617\"/>onter<span class=\"__11 _617\"/>as med en r\u00e4n<span class=\"__11 _617\"/>ta baser<span class=\"__11 _617\"/>ad p\u00e5 den l\u00e5ngfristiga riskf<span class=\"__11 _617\"/>ria r\u00e4n<span class=\"__11 _617\"/>tan plus en riskpremie.<span class=\"__11 _624\"> </span>A<span class=\"__11 _625\"/>vskrivningstid f\u00f6r kapitaliserad pr<span class=\"__11 _617\"/>ogramv<span class=\"__11 _617\"/>ara<span class=\"__11 _624\"> </span>Intern<span class=\"__11 _617\"/>t utvecklade pr<span class=\"__11 _617\"/>ogramv<span class=\"__11 _617\"/>aror kapitaliser<span class=\"__11 _617\"/>as och skrivs a<span class=\"__11 _617\"/>v under program<span class=\"__11 _617\"/>varans n<span class=\"__11 _617\"/>yttjandeperiod. Eftersom IT<span class=\"__11 _625\"/>-milj\u00f6n f\u00f6r-<span class=\"__11 _624\"> </span>\u00e4ndras snabbt g\u00f6r ledningen bed\u00f6mningar f<span class=\"__11 _617\"/>\u00f6r att uppska<span class=\"__11 _617\"/>tta program<span class=\"__11 _617\"/>varans n<span class=\"__11 _617\"/>yttjandeperiod, vilket p\u00e5<span class=\"__11 _617\"/>verkar det \u00e5rliga avskrivningsbeloppet. H\u00f6gre energi- och r<span class=\"__11 _617\"/>\u00e5<span class=\"__11 _617\"/>varupriser och l\u00e4gre priva<span class=\"__11 _617\"/>tkonsum<span class=\"__11 _617\"/>tion<span class=\"__11 _624\"> </span>F\u00f6r in<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>ormation om kritiska bed\u00f6mningar som gjorts vid upp-<span class=\"__11 _624\"> </span>r\u00e4ttandet a<span class=\"__11 _625\"/>v denna \u00e5r<span class=\"__11 _626\"/>sredovisning, till f<span class=\"__11 _617\"/>\u00f6ljd av os\u00e4k<span class=\"__11 _617\"/>erhet kring hur h\u00f6gre energi- och r<span class=\"__11 _617\"/>\u00e5v<span class=\"__11 _617\"/>arupriser och l\u00e4gre priv<span class=\"__11 _617\"/>atkonsum<span class=\"__11 _617\"/>tion i olika sekt<span class=\"__11 _617\"/>orer p\u00e5 l\u00e5ng sik<span class=\"__11 _617\"/>t kan komma att p\u00e5<span class=\"__11 _617\"/>verk<span class=\"__11 _617\"/>a Nordeas redovisning, se no<span class=\"__11 _617\"/>t K1 \u201dRedo<span class=\"__11 _617\"/>visningsprinciper<span class=\"__11 _626\"/>\u201d<span class=\"__11 _624\"> </span><span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Pr\u00f6vning a<span class=\"__11 _617\"/>v nedskrivningsbehov<span class=\"__11 _624\"> </span>Nedskrivningspr\u00f6vningen genom<span class=\"__11 _617\"/>f\u00f6rs f<span class=\"__11 _617\"/>\u00f6r varje kassagener<span class=\"__11 _617\"/>eran<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>de enhet genom att j\u00e4mf<span class=\"__11 _617\"/>\u00f6ra det r<span class=\"__11 _617\"/>edovisade v<span class=\"__11 _617\"/>\u00e4rdet p\u00e5 nettotill<span class=\"__11 _617\"/><span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>g\u00e5ngarna, inklusive goodwill, med \u00e5tervinningsv\u00e4r<span class=\"__11 _617\"/>det. \u00c5tervin<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ningsv\u00e4rdet \u00e4r n<span class=\"__11 _617\"/>yttjandev\u00e4rdet och ber<span class=\"__11 _617\"/>\u00e4knas p\u00e5 basis a<span class=\"__11 _617\"/>v diskon<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>terade kassa<span class=\"__11 _617\"/>fl\u00f6den. D\u00e5 inves<span class=\"__11 _617\"/>teringarna \u00e4r a<span class=\"__11 _617\"/>v en s\u00e5dan l\u00e5ngsiktig karak<span class=\"__11 _617\"/>t\u00e4r har eviga kassafl\u00f6den an<span class=\"__11 _617\"/>v\u00e4n<span class=\"__11 _617\"/>ts vid ber\u00e4kningen. Kassafl\u00f6den f<span class=\"__11 _617\"/>\u00f6r de n\u00e4rmast<span class=\"__11 _617\"/>e tre \u00e5ren baser<span class=\"__11 _617\"/>as p\u00e5 \ufb01nansiella prognoser<span class=\"__11 _625\"/>. Prognoserna bygger p\u00e5 <span class=\"ws19_9\">Nordea</span>s makr<span class=\"__11 _617\"/>oekonomiska utsikter s<span class=\"__11 _617\"/>om inkluderar in<span class=\"__11 _617\"/>forma<span class=\"__11 _617\"/>tion om BNP-tillv<span class=\"__11 _617\"/>\u00e4xt, inflation och ref<span class=\"__11 _617\"/>erensr\u00e4n<span class=\"__11 _617\"/>tor f<span class=\"__11 _617\"/>\u00f6r relev<span class=\"__11 _617\"/>anta l\u00e4nder<span class=\"__11 _625\"/>. Baserat p\u00e5 dessa makr<span class=\"__11 _617\"/>oeko-<span class=\"__11 _624\"> </span>nomiska prognoser uppska<span class=\"__11 _617\"/><span class=\"__11 _624\">ttar aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5dena hur marginaler<span class=\"__11 _625\"/>, volymer<span class=\"__11 _625\"/>, f\u00f6rs\u00e4ljning och kostnader k<span class=\"__11 _617\"/>ommer att utvecklas under de kommande \u00e5ren. Kreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter ber\u00e4knas utif<span class=\"__11 _617\"/>r\u00e5n det l\u00e5ngsik<span class=\"__11 _617\"/>tiga genomsnittet f\u00f6r olik<span class=\"__11 _617\"/><span class=\"__11 _624\">a aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5den. Detta resul<span class=\"__11 _617\"/>terar i en re<span class=\"__11 _617\"/>sul-<span class=\"__11 _624\"> </span>tatr\u00e4kning f<span class=\"__11 _617\"/>\u00f6r v<span class=\"__11 _617\"/>arje \u00e5r<span class=\"__11 _617\"/>. Det es<span class=\"__11 _617\"/>timerade kassafl\u00f6det f<span class=\"__11 _617\"/>\u00f6r re<span class=\"__11 _617\"/>spektiv<span class=\"__11 _617\"/>e<span class=\"__11 _624\"> </span>\u00e5r \u00e4r det prognosticer<span class=\"__11 _617\"/>ade nettoresul<span class=\"__11 _617\"/>tatet i de<span class=\"__11 _617\"/>ssa resulta<span class=\"__11 _617\"/>tr\u00e4kning<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ar<span class=\"__11 _625\"/>, reducerat med det lagstadgade kapit<span class=\"__11 _617\"/>al som kr\u00e4<span class=\"__11 _617\"/>vs f<span class=\"__11 _617\"/>\u00f6r att verk<span class=\"__11 _617\"/><span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>samheten ska kunna v<span class=\"__11 _617\"/>\u00e4xa i enlighet med tillv\u00e4x<span class=\"__11 _617\"/>tantagandena. F<span class=\"__11 _617\"/>\u00f6r de kassagenererande enhet<span class=\"__11 _617\"/>er som har mer kapital \u00e4n vad k<span class=\"__11 _617\"/>oncer-<span class=\"__11 _624\"> </span>nens m\u00e5l f\u00f6r k\u00e4rnprim\u00e4rkapit<span class=\"__11 _617\"/>alrelation anger<span class=\"__11 _625\"/>, kommer \u00e4v<span class=\"__11 _617\"/>en utdelningar att inkluder<span class=\"__11 _617\"/>as i kassafl\u00f6dena under tre \u00e5r till dess a<span class=\"__11 _617\"/>tt k\u00e4rnprim\u00e4rkapitalrela<span class=\"__11 _617\"/>tionen uppg\u00e5r till koncernens m\u00e5ls\u00e4ttning. Prognoserna tar \u00e4<span class=\"__11 _617\"/>ven h\u00e4nsyn till de s<span class=\"__11 _617\"/>t\u00f6rre projek<span class=\"__11 _617\"/>t som <span class=\"ws7_10\">Nordea</span><span class=\"ls1_11\"> </span>initierat. Centr<span class=\"__11 _617\"/>ala kostnader har allok<span class=\"__11 _617\"/>erats till a<span class=\"__11 _617\"/><span class=\"__11 _624\">ff\u00e4rsomr</span><span class=\"__11 _617\"/>\u00e5dena f\u00f6r att s\u00e4kerst\u00e4lla a<span class=\"__11 _617\"/>tt kassafl\u00f6dena i de kassagener<span class=\"__11 _617\"/>erande enheterna \u00e4v<span class=\"__11 _617\"/>en inneh\u00e5ller alla indirek<span class=\"__11 _617\"/>ta kostnader<span class=\"__11 _625\"/>. Skattekos<span class=\"__11 _617\"/>tnader har ber\u00e4knats baser<span class=\"__11 _617\"/>at p\u00e5 schablonska<span class=\"__11 _617\"/>ttesats<span class=\"__11 _617\"/>er<span class=\"__11 _625\"/>. Kassafl\u00f6den f\u00f6r peri-<span class=\"__11 _624\"> </span>oden efter prognosperioden baser<span class=\"__11 _617\"/>as p\u00e5 uppskattningar a<span class=\"__11 _617\"/>v sek<span class=\"__11 _617\"/><span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>torbaserade till<span class=\"__11 _617\"/>v\u00e4xttal. <span class=\"__11 _625\"/>Tillv\u00e4xttakt<span class=\"__11 _617\"/>en bygger p\u00e5 his<span class=\"__11 _617\"/>toriska data, vilka uppdater<span class=\"__11 _617\"/>ats f<span class=\"__11 _617\"/>\u00f6r att spegla den ak<span class=\"__11 _617\"/>tuella situationen.<span class=\"__11 _624\"> </span>Immateriella tillg\u00e5ngar<span class=\"__11 _624\"> </span>Kassagenererande enheter<span class=\"__11 _625\"/>, mn euro<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Goodwill1 </span>31 dec 2022<span class=\"__11 _624\"> </span>Internt utvecklad programv<span class=\"__11 _617\"/>ara <span class=\"__11 _e4_3\"/> 31 dec 2022<span class=\"__11 _624\"> </span>Summa <span class=\"__11 _e4_3\"/> 31 dec 2022<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Goodwill1 </span>31 dec 2021<span class=\"__11 _624\"> </span>Internt utvecklad programv<span class=\"__11 _617\"/>ara <span class=\"__11 _e4_3\"/> 31 dec 2021<span class=\"__11 _624\"> </span>Summa <span class=\"__11 _e4_3\"/> 31 dec 2021<span class=\"__11 _624\"> </span>Personal Banking <span class=\"__11 _619\"> </span>1 029<span class=\"__11 _e1_3\"> </span>564<span class=\"__11 _709\"> </span>1 593<span class=\"__11 _645\"> </span>1 053<span class=\"__11 _b7_4\"> </span>590<span class=\"__11 _645\"> </span>1 643<span class=\"__11 _624\"> </span>Business Banking<span class=\"__11 _e5_3\"> </span><span class=\"ls6_10 ws8_10\">7<span class=\"__11 _626\"/>24<span class=\"__11 _e1_3\"> </span></span>490<span class=\"__11 _b6_4\"> </span>1 214<span class=\"__11 _c2_4\"> </span><span class=\"ls0_11 ws0_11\">751<span class=\"__11 _631\"> </span></span>522<span class=\"__11 _710\"> </span>1 27<span class=\"__11 _626\"/>3<span class=\"__11 _624\"> </span>Large Corpora<span class=\"__11 _617\"/>tes &amp; Insitutions<span class=\"__11 _e6_3\"> </span>165<span class=\"__11 _e1_3\"> </span>308<span class=\"__11 _631\"> </span>473<span class=\"__11 _1b_7\"> </span><span class=\"ls0_11 ws0_11\">171<span class=\"__11 _c5_4\"> </span></span>336<span class=\"__11 _e7_3\"> </span>507<span class=\"__11 _624\"> </span>Asset &amp; W<span class=\"__11 _617\"/>ealth Management<span class=\"__11 _a1_3\"> </span>344<span class=\"__11 _e7_3\"> </span>2<span class=\"__11 _626\"/>37<span class=\"__11 _631\"> </span>581<span class=\"__11 _a6_4\"> </span>\u2013<span class=\"__11 _631\"> </span>195<span class=\"__11 _de_3\"> </span>195<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _e8_4\"> </span>2 262<span class=\"__11 _a5_4\"> </span>1 599<span class=\"__11 _a5_4\"> </span>3 861<span class=\"__11 _645\"> </span>1 975<span class=\"__11 _a5_4\"> </span>1 64<span class=\"__11 _626\"/>3<span class=\"__11 _a5_4\"> </span>3 618<span class=\"__11 _624\"> </span><span class=\"__11 _624\">\u00d6vriga immateriella tillg\u00e5ngar2</span><span class=\"__11 _643\"> </span>\u2013<span class=\"__11 _e9_4\"> </span>\u2013<span class=\"__11 _631\"> </span>183<span class=\"__11 _a6_4\"> </span>\u2013<span class=\"__11 _a6_4\"> </span>\u2013<span class=\"__11 _e7_3\"> </span>166<span class=\"__11 _624\"> </span>Summa immateriella tillg\u00e5ngar<span class=\"__11 _7d_4\"> </span>2 262<span class=\"__11 _a5_4\"> </span>1 599<span class=\"__11 _661\"> </span>4 044<span class=\"__11 _645\"> </span>1 975<span class=\"__11 _a5_4\"> </span>1 643<span class=\"__11 _a5_4\"> </span>3 784<span class=\"__11 _624\"> </span>1)  Exklusive goodwill i intresse<span class=\"__11 _617\"/>f\u00f6retag.<span class=\"__11 _624\"> </span>2)  Inklusive k\u00f6pta progr<span class=\"__11 _617\"/>amlicenser utanf<span class=\"__11 _617\"/>\u00f6r interna utv<span class=\"__11 _617\"/>ecklingsprojekt om 109 mn euro (130 mn eur<span class=\"__11 _617\"/>o)<span class=\"__11 _624\"> </span>.<span class=\"__11 _624\"> </span>K5.2 <span class=\"__11 _642\"> </span>Mat<span class=\"__11 _617\"/>eriella tillg\u00e5ngar<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>Post<span class=\"__11 _617\"/>en \u201dMateriella tillg\u00e5ngar\u201d innefattar f<span class=\"__11 _617\"/>astigheter f<span class=\"__11 _617\"/>\u00f6r egen<span class=\"__11 _624\"> </span> anv\u00e4ndning, f<span class=\"__11 _617\"/>\u00f6rb\u00e4ttringsut<span class=\"__11 _617\"/>gifter p\u00e5 annans fas<span class=\"__11 _617\"/>tighet, IT<span class=\"__11 _625\"/>-utrust-<span class=\"__11 _624\"> </span>ning, m\u00f6bler och annan utrustning. <span class=\"__11 _617\"/>\u00c4<span class=\"__11 _617\"/>ven n<span class=\"__11 _617\"/>yttjander\u00e4<span class=\"__11 _617\"/>tter enligt<span class=\"__11 _624\"> </span> leasingavt<span class=\"__11 _617\"/>al ing\u00e5r h\u00e4r (f\u00f6r mer in<span class=\"__11 _617\"/>forma<span class=\"__11 _617\"/>tion se not K5.4 \u201dL<span class=\"__11 _617\"/>ea-<span class=\"__11 _624\"> </span>sing\u201d). Materiella tillg\u00e5ngar redo<span class=\"__11 _617\"/><span class=\"__11 _624\">visas till anskaffningsv</span><span class=\"__11 _617\"/>\u00e4rde<span class=\"__11 _624\"> </span> minskat med ackumuler<span class=\"__11 _617\"/>ade a<span class=\"__11 _617\"/>v- och nedskrivningar<span class=\"__11 _625\"/><span class=\"__11 _624\">. Anskaff-<span class=\"__11 _624\"> </span></span>ningsv\u00e4rdet f<span class=\"__11 _617\"/>\u00f6r en mat<span class=\"__11 _617\"/>eriell tillg\u00e5ng utg\u00f6rs av dess ink<span class=\"__11 _617\"/>\u00f6pspris<span class=\"__11 _624\"> </span> samt ev<span class=\"__11 _617\"/>entuella kos<span class=\"__11 _617\"/>tnader direk<span class=\"__11 _617\"/>t h\u00e4nf<span class=\"__11 _617\"/>\u00f6rliga till att s\u00e4<span class=\"__11 _617\"/>tta till-<span class=\"__11 _624\"> </span>g\u00e5ngen i brukbart skick f\u00f6r a<span class=\"__11 _617\"/>vsedd anv\u00e4ndning. Delar a<span class=\"__11 _625\"/>v en<span class=\"__11 _624\"> </span> materiell tillg\u00e5ng redo<span class=\"__11 _617\"/>visas som separa<span class=\"__11 _617\"/>ta post<span class=\"__11 _617\"/>er om de har<span class=\"__11 _624\"> </span> olika nyttjandeperiod.<span class=\"__11 _624\"> </span>F\u00f6rb\u00e4<span class=\"__11 _617\"/>ttringsutgifter redo<span class=\"__11 _617\"/>visas som tillg\u00e5ngar om de inneb\u00e4r<span class=\"__11 _624\"> </span> en f\u00f6rb\u00e4<span class=\"__11 _617\"/>ttrad funk<span class=\"__11 _617\"/>tion hos tillg\u00e5ngen, medan utgifter f<span class=\"__11 _617\"/>\u00f6r<span class=\"__11 _624\"> </span> underh\u00e5ll inte f<span class=\"__11 _617\"/>\u00f6rb\u00e4ttr<span class=\"__11 _617\"/>ar tillg\u00e5ngens funk<span class=\"__11 _617\"/>tion och d\u00e4rmed kost-<span class=\"__11 _624\"> </span>nadsf\u00f6rs l\u00f6pande.<span class=\"__11 _624\"> </span>Materiella tillg\u00e5ngar skrivs a<span class=\"__11 _617\"/>v linj\u00e4rt \u00f6ver den ber<span class=\"__11 _617\"/>\u00e4knade<span class=\"__11 _624\"> </span> nyttjandeperioden enligt nedan. Den ber\u00e4knade n<span class=\"__11 _617\"/>yttjandepe-<span class=\"__11 _624\"> </span>rioden f\u00f6r olika ma<span class=\"__11 _617\"/>teriella tillg\u00e5ngar uppdat<span class=\"__11 _617\"/>eras \u00e5rligen.<span class=\"__11 _624\"> </span>Byggnader <span class=\"__11 _8a_3\"> </span>30\u201375 \u00e5r<span class=\"__11 _624\"> </span>Inven<span class=\"__11 _617\"/>tarier <span class=\"__11 _6a_3\"> </span>3\u20135 \u00e5r<span class=\"__11 _624\"> </span>F\u00f6rb\u00e4<span class=\"__11 _617\"/>ttrings  -<span class=\"ws3_10\"> </span> utgifter <span class=\"__11 _ea_4\"> </span>p\u00e5 <span class=\"__11 _ea_4\"> </span><span class=\"ws3_10\"> </span>annans fas<span class=\"__11 _617\"/>tighet  <span class=\"__11 _a_10\"> </span> <span class=\"__11 _eb_3\"/>F\u00f6r f<span class=\"__11 _617\"/>\u00f6r\u00e4ndringar inom b<span class=\"__11 _617\"/>yggnader<span class=\"__11 _625\"/>, det kor-<span class=\"__11 _624\"> </span>tare a<span class=\"__11 _617\"/>v 10 \u00e5r och \u00e5terst<span class=\"__11 _617\"/>\u00e5ende hyresperiod.<span class=\"__11 _624\"> </span> F\u00f6r n<span class=\"__11 _617\"/>ybyggna<span class=\"__11 _617\"/>tion, det kortare a<span class=\"__11 _617\"/>v redovis-<span class=\"__11 _624\"> </span>ningsprinciperna f\u00f6r \u00e4gda b<span class=\"__11 _617\"/>yggnader och<span class=\"__11 _624\"> </span> \u00e5terst\u00e5ende h<span class=\"__11 _617\"/>yresperiod. F<span class=\"__11 _617\"/>\u00f6r fas<span class=\"__11 _617\"/>t inredning i<span class=\"__11 _624\"> </span> hyrda f<span class=\"__11 _617\"/>astigheter g\u00e4ller det k<span class=\"__11 _617\"/>ortare a<span class=\"__11 _617\"/>v<span class=\"__11 _624\"> </span> 10\u201320 \u00e5r och \u00e5<span class=\"__11 _617\"/>terst\u00e5ende hyr<span class=\"__11 _617\"/>esperiod<span class=\"__11 _624\"> </span>.<span class=\"__11 _624\"> </span>K5.<span class=\"__11 _617\"/>1  Immateriella tillg\u00e5ngar<span class=\"__11 _625\"/>, forts<span class=\"__11 _626\"/>.<span class=\"__11 _624\"> </span>Fr<span class=\"__11 _617\"/>amr\u00e4knade kassafl\u00f6den disk<span class=\"__11 _617\"/>onter<span class=\"__11 _617\"/>as med en r\u00e4n<span class=\"__11 _617\"/>ta baser<span class=\"__11 _617\"/>ad p\u00e5 den l\u00e5ngfristiga riskf<span class=\"__11 _617\"/>ria r\u00e4n<span class=\"__11 _617\"/>tan plus en riskpremie. Diskon<span class=\"__11 _617\"/>te-<span class=\"__11 _624\"> </span>ringsr\u00e4n<span class=\"__11 _617\"/>tan som anv\u00e4nde<span class=\"__11 _617\"/>s 2022 var 9,0 proc<span class=\"__11 _617\"/>ent (6,8 procen<span class=\"__11 _617\"/>t) efter skatt, vilket motsv<span class=\"__11 _617\"/>arar en r\u00e4n<span class=\"__11 _617\"/>ta p\u00e5 11,<span class=\"__11 _617\"/><span class=\"__11 _624\">7 procen</span><span class=\"__11 _617\"/>t (8,8 procent) f\u00f6r<span class=\"__11 _617\"/>e skatt. Den ber\u00e4knade tillv<span class=\"__11 _617\"/>\u00e4xttak<span class=\"__11 _617\"/>ten 2,5 procen<span class=\"__11 _617\"/>t (1,6 procen<span class=\"__11 _617\"/>t). De kassagenererande enhet<span class=\"__11 _617\"/>erna t\u00e4cker alla nordiska v<span class=\"__11 _617\"/>alutor och Nordea<span class=\"ws3_10\"> diskon<span class=\"__11 _617\"/>terar f<span class=\"__11 _617\"/>ram<span class=\"__11 _617\"/>tida kassafl\u00f6den med en euro-denomi<span class=\"__11 _624\"> </span></span>-<span class=\"__11 _624\"> </span>nerad r\u00e4n<span class=\"__11 _617\"/>ta f<span class=\"__11 _617\"/>\u00f6r alla kassagenerer<span class=\"__11 _617\"/>ande enheter<span class=\"__11 _625\"/>.<span class=\"__11 _626\"/> De pr\u00f6vningar a<span class=\"__11 _617\"/>v nedskrivningsbehov<span class=\"__11 _617\"/>et som gjordes 2022 p\u00e5visade in<span class=\"__11 _617\"/>te n\u00e5go<span class=\"__11 _617\"/>t behov a<span class=\"__11 _617\"/>v en nedskrivning av goodwill. B\u00e5de en \u00f6kning av disk<span class=\"__11 _617\"/>onteringsr<span class=\"__11 _617\"/>\u00e4nt<span class=\"__11 _617\"/>an med 1 procen<span class=\"__11 _617\"/>tenhet och en minskning av den f<span class=\"__11 _617\"/>ram<span class=\"__11 _617\"/>tida tillv<span class=\"__11 _617\"/>\u00e4xttakt<span class=\"__11 _617\"/>en med 1 procen<span class=\"__11 _617\"/>t-<span class=\"__11 _624\"> </span>enheter \u00e4r rimliga t\u00e4nkbara \u00e4ndringar i vik<span class=\"__11 _617\"/>tiga an<span class=\"__11 _617\"/>taganden. En s\u00e5dan \u00e4ndring skulle in<span class=\"__11 _617\"/>te leda till n\u00e5gon nedskrivning.<span class=\"__11 _624\"> </span>F\u00f6r\u00e4ndringar a<span class=\"__11 _617\"/>v goodwill, mn euro<span class=\"__11 _624\"> </span>31 dec 2022<span class=\"__11 _669\"> </span>31 dec 2021<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Anskaffningsv\u00e4r</span><span class=\"__11 _617\"/>de vid \u00e5rets b\u00f6rjan<span class=\"__11 _c8_4\"> </span>2 116<span class=\"__11 _648\"> </span>2 07<span class=\"__11 _626\"/>9<span class=\"__11 _624\"> </span>Ink\u00f6p<span class=\"__11 _ec_3\"> </span>344<span class=\"__11 _1a_7\"> </span>\u2013<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Utrangeringar1</span><span class=\"__11 _ed_3\"> </span><span class=\"ls0_11 ws0_11\">-141<span class=\"__11 _1a_7\"> </span></span>\u2013<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Omr\u00e4kningsdiff</span><span class=\"__11 _617\"/>erenser<span class=\"__11 _ee_4\"> </span><span class=\"ls0_11 ws0_11\">-57<span class=\"__11 _710\"> </span></span>37<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Anskaffningsv\u00e4r</span><span class=\"__11 _617\"/>de vid \u00e5rets slut<span class=\"__11 _690\"> </span>2 262<span class=\"__11 _b3_3\"> </span>2 116<span class=\"__11 _624\"> </span>Ackumulerade nedskrivningar vid \u00e5r<span class=\"__11 _617\"/>ets b\u00f6rjan<span class=\"__11 _b5_4\"> </span><span class=\"ls0_11 ws0_11\">-141<span class=\"__11 _702\"> </span>-141<span class=\"__11 _624\"> </span></span><span class=\"__11 _624\">Utrangeringar1</span><span class=\"__11 _ef_3\"> </span><span class=\"ls0_11 ws0_11\">141<span class=\"__11 _1a_7\"> </span></span>\u2013<span class=\"__11 _624\"> </span>Ackumulerade nedskrivningar vid \u00e5r<span class=\"__11 _617\"/>ets slut<span class=\"__11 _f0_4\"> </span>\u2013<span class=\"__11 _692\"> </span><span class=\"ls0_11 ws0_11\">-141<span class=\"__11 _624\"> </span></span>Summa<span class=\"__11 _f1_3\"> </span>2 262<span class=\"__11 _656\"> </span>1 975<span class=\"__11 _624\"> </span>1) A<span class=\"__11 _617\"/>vser Ryssland, se no<span class=\"__11 _617\"/>t K2.4 Summa nettoresulta<span class=\"__11 _617\"/>t av poster till verkligt v\u00e4r<span class=\"__11 _617\"/>de.<span class=\"__11 _624\"> </span>F\u00f6r\u00e4ndringar a<span class=\"__11 _617\"/>v progr<span class=\"__11 _617\"/>amvara, mn eur<span class=\"__11 _617\"/>o<span class=\"__11 _624\"> </span>31 dec 2022<span class=\"__11 _669\"> </span>31 dec 2021<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Anskaffningsv\u00e4r</span><span class=\"__11 _617\"/>de vid \u00e5rets b\u00f6rjan<span class=\"__11 _673\"> </span>2 794<span class=\"__11 _648\"> </span>2 580<span class=\"__11 _624\"> </span>Ink\u00f6p<span class=\"__11 _f2_3\"> </span>356<span class=\"__11 _694\"> </span>331<span class=\"__11 _624\"> </span>F\u00f6rs\u00e4ljningar<span class=\"__11 _617\"/>/utrangeringar<span class=\"__11 _f3_3\"> </span>-69<span class=\"__11 _6c_3\"> </span>-103<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Omr\u00e4kningsdiff</span><span class=\"__11 _617\"/>erenser<span class=\"__11 _f4_3\"> </span>-98<span class=\"__11 _b5_4\"> </span><span class=\"ls0_11 ws0_11\">-14<span class=\"__11 _624\"> </span></span><span class=\"__11 _624\">Anskaffningsv\u00e4r</span><span class=\"__11 _617\"/>de vid \u00e5rets slut<span class=\"__11 _676\"> </span>2 983<span class=\"__11 _648\"> </span>2 794<span class=\"__11 _624\"> </span>Ackumulerade a<span class=\"__11 _617\"/>vskrivningar vid \u00e5rets b\u00f6rjan<span class=\"__11 _b6_4\"> </span>-955<span class=\"__11 _684\"> </span>-698<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vskrivningar enligt plan<span class=\"__11 _f5_3\"> </span>-322<span class=\"__11 _6a_3\"> </span>-307<span class=\"__11 _624\"> </span>Ackumulerade a<span class=\"__11 _617\"/>vskrivningar p\u00e5 tillg\u00e5ngar som s\u00e5lts/utrangera<span class=\"__11 _617\"/>ts<span class=\"__11 _3d_5\"> </span>26<span class=\"__11 _a5_4\"> </span><span class=\"ls7_10 ws9_10\">48<span class=\"__11 _624\"> </span></span><span class=\"__11 _624\">Omr\u00e4kningsdiff</span><span class=\"__11 _617\"/>erenser<span class=\"__11 _6b_3\"> </span>40<span class=\"__11 _e1_3\"> </span>2<span class=\"__11 _624\"> </span>Ackumulerade a<span class=\"__11 _617\"/>vskrivningar vid \u00e5rets sl<span class=\"__11 _617\"/>ut<span class=\"__11 _e_10\"> </span>-<span class=\"__11 _617\"/>1 211<span class=\"__11 _6a_3\"> </span>-955<span class=\"__11 _624\"> </span>Ackumulerade nedskrivningar vid \u00e5r<span class=\"__11 _617\"/>ets b\u00f6rjan<span class=\"__11 _694\"> </span>-196<span class=\"__11 _692\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _626\"/>14<span class=\"__11 _624\"> </span></span>Ackumulerade nedskrivningar p\u00e5 tillg\u00e5ngar som s\u00e5lts/utranger<span class=\"__11 _617\"/>ats <span class=\"__11 _680\"> </span><span class=\"ls7_10 ws9_10\">43<span class=\"__11 _709\"> </span></span>55<span class=\"__11 _624\"> </span>Nedskrivningar<span class=\"__11 _aa_3\"> </span><span class=\"ls6_10 ws8_10\">-26<span class=\"__11 _694\"> </span></span>-40<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Omr\u00e4kningsdiff</span><span class=\"__11 _617\"/>erenser<span class=\"__11 _f6_3\"> </span>6<span class=\"__11 _bc_3\"> </span>3<span class=\"__11 _624\"> </span>Ackumulerade nedskrivningar vid \u00e5r<span class=\"__11 _617\"/>ets slut<span class=\"__11 _b1_3\"> </span><span class=\"ls0_11 ws0_11\">-173<span class=\"__11 _6c_3\"> </span></span>-196<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _f1_3\"> </span>1 599<span class=\"__11 _648\"> </span>1 64<span class=\"__11 _626\"/>3<span class=\"__11 _624\"> </span>Materiella tillg\u00e5ngar<span class=\"__11 _624\"> </span>31 dec 2022<span class=\"__11 _643\"> </span>31 dec 2021<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _f7_3\"> </span>\u00c4gda tillg\u00e5ngar<span class=\"__11 _624\"> </span>Nyttjander\u00e4tt till<span class=\"__11 _624\"> </span>tillg\u00e5ngar<span class=\"__11 _6a_3\"> </span>Summa<span class=\"__11 _ba_4\"> </span>\u00c4gda tillg\u00e5ngar<span class=\"__11 _624\"> </span>Nyttjander\u00e4tt till<span class=\"__11 _624\"> </span>tillg\u00e5ngar<span class=\"__11 _661\"> </span>Summa<span class=\"__11 _624\"> </span>Inven<span class=\"__11 _617\"/>tarier<span class=\"__11 _f8_3\"> </span>344<span class=\"__11 _639\"> </span>5<span class=\"__11 _1a_7\"> </span>349<span class=\"__11 _dd_4\"> </span>363<span class=\"__11 _639\"> </span>6<span class=\"__11 _1d_7\"> </span>369<span class=\"__11 _624\"> </span>Mark och byggnader<span class=\"__11 _bd_4\"> </span><span class=\"ls13_9 ws1b_9\">72<span class=\"__11 _1a_7\"> </span></span>1 25<span class=\"__11 _626\"/>2<span class=\"__11 _a5_4\"> </span>1 324<span class=\"__11 _b8_3\"> </span><span class=\"ls0_11 ws0_11\">51<span class=\"__11 _bc_3\"> </span></span>1 325<span class=\"__11 _bc_3\"> </span>1 376<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _f9_3\"> </span>416<span class=\"__11 _bc_3\"> </span><span class=\"ls0_11 ws0_11\">1 257<span class=\"__11 _a5_4\"> </span></span>1 673<span class=\"__11 _dd_4\"> </span><span class=\"ls0_11 ws0_11\">414<span class=\"__11 _e1_3\"> </span></span>1 331<span class=\"__11 _bc_3\"> </span>1 7<span class=\"__11 _617\"/>45<span class=\"__11 _624\"> </span>Inven<span class=\"__11 _617\"/>tarier<span class=\"__11 _624\"> </span>Anskaffningsv\u00e4r<span class=\"__11 _617\"/>de vid \u00e5rets b\u00f6rjan<span class=\"__11 _fa_3\"> </span>1 343<span class=\"__11 _b8_3\"> </span><span class=\"ls0_11 ws0_11\">14<span class=\"__11 _a5_4\"> </span></span>1 357<span class=\"__11 _b7_4\"> </span>1 361<span class=\"__11 _e9_4\"> </span>33<span class=\"__11 _1a_7\"> </span>1 394<span class=\"__11 _624\"> </span>Ink\u00f6p<span class=\"__11 _fb_3\"> </span>63<span class=\"__11 _639\"> </span>3<span class=\"__11 _d7_3\"> </span>66<span class=\"__11 _fc_4\"> </span>33<span class=\"__11 _639\"> </span>3<span class=\"__11 _e9_4\"> </span>36<span class=\"__11 _624\"> </span>F\u00f6rs\u00e4ljningar<span class=\"__11 _617\"/>/utrangeringar<span class=\"__11 _f4_3\"> </span>-68<span class=\"__11 _fd_3\"> </span>-3<span class=\"__11 _629\"> </span><span class=\"lsd_9 ws14_10\">-71<span class=\"__11 _fe_3\"> </span></span>-47<span class=\"__11 _fe_3\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _626\"/>2<span class=\"__11 _a8_4\"> </span></span>-69<span class=\"__11 _624\"> </span>Omklassificeringar<span class=\"__11 _ff_3\"> </span>\u2013<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _c0_4\"> </span>\u2013<span class=\"__11 _fd_3\"> </span><span class=\"lsd_9 ws14_10\">-7<span class=\"__11 _639\"> </span></span>\u2013<span class=\"__11 _fd_3\"> </span><span class=\"lsd_9 ws14_10\">-7<span class=\"__11 _624\"> </span></span>Omr\u00e4kningsdiff<span class=\"__11 _617\"/>erenser<span class=\"__11 _7b_3\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _626\"/>9<span class=\"__11 _717\"> </span><span class=\"ls0_11 ws0_11\">-1<span class=\"__11 _c5_4\"> </span></span></span>-30<span class=\"__11 _b0_3\"> </span>3<span class=\"__11 _ab_3\"> </span>0<span class=\"__11 _639\"> </span>3<span class=\"__11 _624\"> </span>Anskaffningsv\u00e4r<span class=\"__11 _617\"/>de vid \u00e5rets slut<span class=\"__11 _718\"> </span>1 309<span class=\"__11 _b8_3\"> </span>13<span class=\"__11 _a7_4\"> </span>1 322<span class=\"__11 _1a_7\"> </span>1 343<span class=\"__11 _fc_4\"> </span><span class=\"ls0_11 ws0_11\">14<span class=\"__11 _bc_3\"> </span></span>1 357<span class=\"__11 _624\"> </span>Ackumulerade a<span class=\"__11 _617\"/>vskrivningar vid \u00e5rets b\u00f6rjan<span class=\"__11 _719\"> </span><span class=\"lse_9 ws15_10\">-97<span class=\"__11 _626\"/>2<span class=\"__11 _b8_3\"> </span></span>-8<span class=\"__11 _710\"> </span>-980<span class=\"__11 _e7_3\"> </span>-930<span class=\"__11 _f0_4\"> </span><span class=\"ls0_11 ws0_11\">-18<span class=\"__11 _e7_3\"> </span></span>-948<span class=\"__11 _624\"> </span>Ackumulerade a<span class=\"__11 _617\"/>vskrivningar p\u00e5 tillg\u00e5ngar som<span class=\"__11 _624\"> </span>s\u00e5lts/utrangera<span class=\"__11 _617\"/>ts<span class=\"__11 _720\"> </span>65<span class=\"__11 _639\"> </span>3<span class=\"__11 _d7_3\"> </span>68<span class=\"__11 _b8_3\"> </span>31<span class=\"__11 _b8_3\"> </span>19<span class=\"__11 _a6_4\"> </span>50<span class=\"__11 _624\"> </span>Omklassificeringar<span class=\"__11 _ff_3\"> </span>\u2013<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _c0_4\"> </span>\u2013<span class=\"__11 _639\"> </span>7<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _b0_3\"> </span>7<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vskrivningar enligt plan<span class=\"__11 _699\"> </span>-68<span class=\"__11 _fd_3\"> </span>-3<span class=\"__11 _c2_4\"> </span><span class=\"lsd_9 ws14_10\">-7<span class=\"__11 _626\"/>1<span class=\"__11 _fe_3\"> </span>-7<span class=\"__11 _626\"/>8<span class=\"__11 _fd_3\"> </span></span>-9<span class=\"__11 _a8_4\"> </span>-87<span class=\"__11 _624\"> </span>Omr\u00e4kningsdiff<span class=\"__11 _617\"/>erenser<span class=\"__11 _721\"> </span><span class=\"ls0_11 ws0_11\">17<span class=\"__11 _639\"> </span></span>0<span class=\"__11 _b9_4\"> </span><span class=\"ls0_11 ws0_11\">17<span class=\"__11 _fd_3\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _639\"> </span></span></span>0<span class=\"__11 _fd_3\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _624\"> </span></span>Ackumulerade a<span class=\"__11 _617\"/>vskrivningar vid \u00e5rets sl<span class=\"__11 _617\"/>ut<span class=\"__11 _d5_3\"> </span>-958<span class=\"__11 _b8_3\"> </span>-8<span class=\"__11 _709\"> </span>-966<span class=\"__11 _de_3\"> </span><span class=\"ls14_9 ws1c_9\">-97<span class=\"__11 _626\"/>2<span class=\"__11 _b8_3\"> </span></span>-8<span class=\"__11 _c5_4\"> </span>-980<span class=\"__11 _624\"> </span>Ackumulerade nedskrivningar vid \u00e5r<span class=\"__11 _617\"/>ets b\u00f6rjan<span class=\"__11 _667\"> </span>-8<span class=\"__11 _6f_3\"> </span>\u2013<span class=\"__11 _b9_4\"> </span>-8<span class=\"__11 _722\"> </span><span class=\"lsd_9 ws14_10\">-7<span class=\"__11 _ab_3\"> </span></span>\u2013<span class=\"__11 _723\"> </span><span class=\"lsd_9 ws14_10\">-7<span class=\"__11 _624\"> </span></span>Ackumulerade nedskrivningar p\u00e5 tillg\u00e5ngar s<span class=\"__11 _617\"/>om<span class=\"__11 _624\"> </span>s\u00e5lts/utrangera<span class=\"__11 _617\"/>ts <span class=\"__11 _8e_3\"> </span>\u2013<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _c0_4\"> </span>\u2013<span class=\"__11 _b8_3\"> </span>12<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _b8_3\"> </span>12<span class=\"__11 _624\"> </span>Nedskrivningar<span class=\"__11 _617\"/>, netto<span class=\"__11 _ef_3\"> </span>\u2013<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _724\"> </span>\u2013<span class=\"__11 _f0_4\"> </span><span class=\"ls0_11 ws0_11\">-13<span class=\"__11 _ab_3\"> </span></span>\u2013<span class=\"__11 _724\"> </span><span class=\"ls0_11 ws0_11\">-13<span class=\"__11 _624\"> </span></span>Omr\u00e4kningsdiff<span class=\"__11 _617\"/>erenser<span class=\"__11 _c7_3\"> </span>1<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _e9_4\"> </span>1<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _624\"> </span>Ackumulerade nedskrivningar vid \u00e5r<span class=\"__11 _617\"/>ets slut<span class=\"__11 _725\"> </span><span class=\"ls15_9 ws1d_9\">-7<span class=\"__11 _ab_3\"> </span></span>\u2013<span class=\"__11 _726\"> </span><span class=\"ls15_9 ws1d_9\">-7<span class=\"__11 _b8_3\"> </span></span>-8<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _b8_3\"> </span>-8<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _10a_3\"> </span>344<span class=\"__11 _639\"> </span>5<span class=\"__11 _1a_7\"> </span>349<span class=\"__11 _1d_7\"> </span>363<span class=\"__11 _639\"> </span>6<span class=\"__11 _1f_7\"> </span>369<span class=\"__11 _624\"> </span>Mark och byggnader<span class=\"__11 _624\"> </span>Anskaffningsv\u00e4r<span class=\"__11 _617\"/>de vid \u00e5rets b\u00f6rjan<span class=\"__11 _10b_3\"> </span>55<span class=\"__11 _b7_4\"> </span><span class=\"ls7_10 ws9_10\">1 777<span class=\"__11 _a7_4\"> </span></span>1 832<span class=\"__11 _b8_3\"> </span><span class=\"ls0_11 ws0_11\">51<span class=\"__11 _c5_4\"> </span><span class=\"lsc_10 ws13_10\">1<span class=\"__11 _626\"/> 7<span class=\"__11 _708\"/>74<span class=\"__11 _bc_3\"> </span></span></span>1 825<span class=\"__11 _624\"> </span>Ink\u00f6p<span class=\"__11 _10c_3\"> </span>12<span class=\"__11 _a6_4\"> </span>84<span class=\"__11 _1b_7\"> </span>96<span class=\"__11 _719\"> </span>1<span class=\"__11 _a6_4\"> </span>54<span class=\"__11 _e9_4\"> </span>55<span class=\"__11 _624\"> </span>F\u00f6rs\u00e4ljningar<span class=\"__11 _617\"/>/utrangeringar<span class=\"__11 _680\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _a8_4\"> </span></span>-34<span class=\"__11 _e7_3\"> </span>-36<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _b9_4\"> </span>-49<span class=\"__11 _726\"> </span>-49<span class=\"__11 _624\"> </span>Omklassificeringar<span class=\"__11 _10d_3\"> </span>12<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _dd_4\"> </span>12<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _624\"> </span>Omr\u00e4kningsdiff<span class=\"__11 _617\"/>erenser<span class=\"__11 _10e_3\"> </span><span class=\"ls0_11 ws0_11\">-1<span class=\"__11 _fe_3\"> </span><span class=\"ls6_10 ws8_10\">-24<span class=\"__11 _631\"> </span>-25<span class=\"__11 _b0_3\"> </span></span></span>3<span class=\"__11 _fd_3\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _719\"> </span></span>1<span class=\"__11 _624\"> </span>Anskaffningsv\u00e4r<span class=\"__11 _617\"/>de vid \u00e5rets slut<span class=\"__11 _10f_3\"> </span><span class=\"ls0_11 ws0_11\">76<span class=\"__11 _a4_3\"> </span></span>1 803<span class=\"__11 _727\"> </span>1 879<span class=\"__11 _e9_4\"> </span>55<span class=\"__11 _e1_3\"> </span><span class=\"ls7_10 ws9_10\">1 777<span class=\"__11 _1a_7\"> </span></span>1 832<span class=\"__11 _624\"> </span>Ackumulerade a<span class=\"__11 _617\"/>vskrivningar vid \u00e5rets b\u00f6rjan<span class=\"__11 _725\"> </span><span class=\"ls7_10 ws9_10\">-4<span class=\"__11 _e7_3\"> </span>-438<span class=\"__11 _710\"> </span></span>-442<span class=\"__11 _fd_3\"> </span>-3<span class=\"__11 _c2_4\"> </span>-307<span class=\"__11 _629\"> </span>-310<span class=\"__11 _624\"> </span>Ackumulerade a<span class=\"__11 _617\"/>vskrivningar p\u00e5 tillg\u00e5ngar som<span class=\"__11 _624\"> </span>s\u00e5lts/utrangera<span class=\"__11 _617\"/>ts <span class=\"__11 _8e_3\"> </span>\u2013<span class=\"__11 _a6_4\"> </span>34<span class=\"__11 _1f_7\"> </span>34<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _e9_4\"> </span>26<span class=\"__11 _e9_4\"> </span>26<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vskrivningar enligt plan<span class=\"__11 _7b_3\"> </span>\u2013<span class=\"__11 _c2_4\"> </span><span class=\"ls0_11 ws0_11\">-144<span class=\"__11 _b1_3\"> </span>-144<span class=\"__11 _ab_3\"> </span></span>\u2013<span class=\"__11 _d7_3\"> </span><span class=\"ls0_11 ws0_11\">-157<span class=\"__11 _d7_3\"> </span>-157<span class=\"__11 _624\"> </span></span>Omr\u00e4kningsdiff<span class=\"__11 _617\"/>erenser<span class=\"__11 _643\"> </span>\u2013<span class=\"__11 _639\"> </span>9<span class=\"__11 _c0_4\"> </span>9<span class=\"__11 _717\"> </span><span class=\"ls0_11 ws0_11\">-1<span class=\"__11 _639\"> </span></span>0<span class=\"__11 _723\"> </span><span class=\"ls0_11 ws0_11\">-1<span class=\"__11 _624\"> </span></span>Ackumulerade a<span class=\"__11 _617\"/>vskrivningar vid \u00e5rets sl<span class=\"__11 _617\"/>ut<span class=\"__11 _728\"> </span><span class=\"ls7_10 ws9_10\">-4<span class=\"__11 _631\"> </span></span>-539<span class=\"__11 _686\"> </span>-543<span class=\"__11 _b8_3\"> </span><span class=\"ls7_10 ws9_10\">-4<span class=\"__11 _c5_4\"> </span>-438<span class=\"__11 _c5_4\"> </span></span>-<span class=\"__11 _626\"/>442<span class=\"__11 _624\"> </span>Ackumulerade nedskrivningar vid \u00e5r<span class=\"__11 _617\"/>ets b\u00f6rjan<span class=\"__11 _5c_3\"> </span>\u2013<span class=\"__11 _fe_3\"> </span><span class=\"ls0_11 ws0_11\">-14<span class=\"__11 _de_3\"> </span>-14<span class=\"__11 _ab_3\"> </span></span>\u2013<span class=\"__11 _fe_3\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _626\"/>3<span class=\"__11 _fe_3\"> </span>-2<span class=\"__11 _626\"/>3<span class=\"__11 _624\"> </span></span>Ackumulerade nedskrivningar p\u00e5 tillg\u00e5ngar s<span class=\"__11 _617\"/>om<span class=\"__11 _624\"> </span>s\u00e5lts/utrangera<span class=\"__11 _617\"/>ts<span class=\"__11 _729\"> </span>\u2013<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _724\"> </span>\u2013<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _730\"> </span>16<span class=\"__11 _730\"> </span>16<span class=\"__11 _624\"> </span>Nedskrivningar<span class=\"__11 _617\"/>, netto<span class=\"__11 _ef_3\"> </span>\u2013<span class=\"__11 _b0_3\"> </span>1<span class=\"__11 _fc_4\"> </span>1<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _ab_3\"> </span>6<span class=\"__11 _639\"> </span>6<span class=\"__11 _624\"> </span>Omr\u00e4kningsdiff<span class=\"__11 _617\"/>erenser<span class=\"__11 _643\"> </span>\u2013<span class=\"__11 _719\"> </span>1<span class=\"__11 _a6_4\"> </span>1<span class=\"__11 _ab_3\"> </span>\u2013<span class=\"__11 _717\"> </span><span class=\"ls0_11 ws0_11\">-1<span class=\"__11 _723\"> </span>-1<span class=\"__11 _624\"> </span></span>Ackumulerade nedskrivningar vid \u00e5r<span class=\"__11 _617\"/>ets slut<span class=\"__11 _731\"> </span>\u2013<span class=\"__11 _f0_4\"> </span><span class=\"ls0_11 ws0_11\">-12<span class=\"__11 _de_3\"> </span>-1<span class=\"__11 _626\"/>2<span class=\"__11 _ab_3\"> </span></span>\u2013<span class=\"__11 _fe_3\"> </span><span class=\"ls0_11 ws0_11\">-14<span class=\"__11 _a8_4\"> </span>-14<span class=\"__11 _624\"> </span></span>Summa<span class=\"__11 _c1_3\"> </span><span class=\"ls13_9 ws1b_9\">72<span class=\"__11 _1a_7\"> </span></span>1 252<span class=\"__11 _a5_4\"> </span>1 32<span class=\"__11 _617\"/>4<span class=\"__11 _730\"> </span><span class=\"ls0_11 ws0_11\">51<span class=\"__11 _1a_7\"> </span></span>1 32<span class=\"__11 _626\"/>5<span class=\"__11 _1a_7\"> </span>1 376<span class=\"__11 _624\"> </span>V<span class=\"__11 _625\"/>arje balansdag pr\u00f6var Nordea om det \ufb01nns indika<span class=\"__11 _617\"/>tioner p\u00e5<span class=\"__11 _624\"> </span>nedskrivningsbehov f<span class=\"__11 _617\"/>\u00f6r en materiell tillg\u00e5ng. Om s\u00e5dana indi-<span class=\"__11 _624\"> </span>kationer \ufb01nns g\u00f6rs en bed\u00f6mning a<span class=\"__11 _617\"/>v tillg\u00e5ngens \u00e5tervin-<span class=\"__11 _624\"> </span>ningsv\u00e4rde och ev<span class=\"__11 _617\"/>entuell nedskrivning g\u00f6rs.<span class=\"__11 _624\"> </span>Nedskrivningar \u00e5terf<span class=\"__11 _617\"/>\u00f6rs om \u00e5tervinningsv\u00e4rdet \u00f6kar<span class=\"__11 _625\"/>. Det<span class=\"__11 _624\"> </span>redovisade v<span class=\"__11 _617\"/>\u00e4rdet \u00f6kas d\u00e5 till \u00e5t<span class=\"__11 _617\"/>ervinningsv\u00e4rdet, men kan<span class=\"__11 _624\"> </span>inte \u00f6<span class=\"__11 _617\"/>verstiga vad det r<span class=\"__11 _617\"/>edovisade v<span class=\"__11 _617\"/>\u00e4rdet varit om en nedskriv<span class=\"ws3_10\">-<span class=\"__11 _624\"> </span></span>ning inte r<span class=\"__11 _617\"/>edovisats i f<span class=\"__11 _617\"/>\u00f6rsta l\u00e4get.<span class=\"__11 _624\"> </span>2.<span class=\"__14 _b_13\"/>18 Kreditf<span class=\"__14 _b_13\"/>\u00f6rluster<span class=\"__14 _1ce\"> </span> Kreditf<span class=\"__14 _1058\"/>\u00f6rlusterna f<span class=\"__14 _b_13\"/>\u00f6r 2022 var l\u00e5ga och uppgick till 112 mn<span class=\"__14 _1ce\"> </span> euro (118 mn euro<span class=\"__14 _1058\"/>). Det motsvar<span class=\"__14 _b_13\"/>ar en kreditf\u00f6rlustrela<span class=\"__14 _b_13\"/>tion p\u00e5<span class=\"__14 _1ce\"> </span> 4 punkter (<span class=\"__14 _b_13\"/>4 punkter) f<span class=\"__14 _b_13\"/>\u00f6r l\u00e5n v\u00e4rderade till upplupet anska<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ff-<span class=\"__14 _1ce\"> </span></span>ningsv\u00e4rde. Inklusiv<span class=\"__14 _b_13\"/>e omv\u00e4rderingsf\u00f6rl<span class=\"__14 _b_13\"/>uster p\u00e5 hypoteksl\u00e5n i<span class=\"__14 _1ce\"> </span> Danmark om 13 mn euro uppgick kreditf<span class=\"__14 _b_13\"/>\u00f6rluster och liknande<span class=\"__14 _1ce\"> </span> nettoresult<span class=\"__14 _1058\"/>at till 125 mn euro, mo<span class=\"__14 _1058\"/>tsvarande 4 punk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">(1 punkt). De individuellt ber</span><span class=\"__14 _b_13\"/>\u00e4knade kreditf\u00f6rlust<span class=\"__14 _b_13\"/>erna uppgic<span class=\"__14 _1ce\"> </span>k <span class=\"__14 _1ce\">till 169 mn euro och drevs a</span><span class=\"__14 _b_13\"/>v genomsnittliga bortskrivningar<span class=\"__14 _1ce\"> </span> och l\u00e5ga avs\u00e4<span class=\"__14 _b_13\"/>ttningar och \u00e5terf\u00f6ringar<span class=\"__14 _b_13\"/>. De individuella avs\u00e4<span class=\"__14 _1058\"/>tt<span class=\"__14 _1ce\"> </span>-<span class=\"__14 _1ce\"> </span>ningarna var in<span class=\"__14 _1058\"/>te koncen<span class=\"__14 _b_13\"/>trerade till n\u00e5gon speci\ufb01k bransch.<span class=\"__14 _1ce\"> </span>Reserveringarna enligt ledningens bed\u00f6mning minskade<span class=\"__14 _1ce\"> </span> med 25 mn euro under \u00e5ret, fr\u00e5n 610 mn euro till 585 mn<span class=\"__14 _1ce\"> </span> euro. De cykliska r<span class=\"__14 _1058\"/>eserveringarna enligt ledningens bed\u00f6m-<span class=\"__14 _1ce\"> </span>ning uppgick till 430 mn euro vid \u00e5rets slut, ner fr\u00e5n 455 mn<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">euro. Under fj\u00e4rde kv</span><span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>talet 2022 gjordes en ny ber<span class=\"__14 _b_13\"/>\u00e4kning av<span class=\"__14 _1ce\"> </span> de cykliska reserveringarna enligt ledningens bed\u00f6mning<span class=\"__14 _1ce\"> </span> mot bakgrund a<span class=\"__14 _b_13\"/>v de extraordin\u00e4r<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">a effekterna a</span><span class=\"__14 _b_13\"/>v h\u00f6gre<span class=\"__14 _1ce\"> </span> energi- och levnadskos<span class=\"__14 _b_13\"/>tnader, sam<span class=\"__14 _b_13\"/>tidigt som mindre h\u00e4nsyn<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">togs till eff</span><span class=\"__14 _1058\"/>ekter orsakade a<span class=\"__14 _b_13\"/>v pandemin. Reserveringarnas till-<span class=\"__14 _1ce\"> </span>r\u00e4cklighet analys<span class=\"__14 _1058\"/>erades utifr<span class=\"__14 _b_13\"/>\u00e5n hur h\u00f6gre kostnader och l\u00e4gre<span class=\"__14 _1ce\"> </span> konsumtion sk<span class=\"__14 _b_13\"/>ulle kunna sl\u00e5 mot olika sekt<span class=\"__14 _1058\"/>orer i n\u00e4ringslivet.<span class=\"__14 _1ce\"> </span> De struk<span class=\"__14 _1058\"/>turella reserveringarna enligt ledningens bed\u00f6mning<span class=\"__14 _1ce\"> </span> l\u00e4mnades of<span class=\"__14 _1058\"/>\u00f6r\u00e4ndrade p\u00e5 155 mn eur<span class=\"__14 _b_13\"/>o och avser planerade<span class=\"__14 _1ce\"> </span> f\u00f6rb\u00e4<span class=\"__14 _b_13\"/>ttringar av modeller och processer f<span class=\"__14 _b_13\"/>\u00f6r avs\u00e4ttningar<span class=\"__14 _1c_10\"/>.<span class=\"__14 _1ce\"> </span>Kreditf<span class=\"__14 _1058\"/>\u00f6rluster och n<span class=\"__14 _1058\"/>yckel<span class=\"__14 _b_13\"/>tal<span class=\"__14 _1ce\"> </span>2022<span class=\"__14 _1124\"> </span>2021<span class=\"__14 _1ce\"> </span>Kreditf\u00f6rl<span class=\"__14 _1058\"/>uster<span class=\"__14 _b_13\"/>, mn euro<span class=\"__14 _3e_8\"> </span>112<span class=\"__14 _1a9\"> </span>118<span class=\"__14 _1ce\"> </span>Kreditf\u00f6rl<span class=\"__14 _1058\"/>ustrelation nett<span class=\"__14 _1058\"/>o, upplupet  <span class=\"__14 _1ce\">anskaffningsv\u00e4r</span><span class=\"__14 _b_13\"/>de, koncernen, punkter<span class=\"__14 _15d_1\"> </span>4<span class=\"__14 _1096\"> </span>4<span class=\"__14 _1ce\"> </span>- vara<span class=\"__14 _b_13\"/>v kategori 3<span class=\"__14 _df_6\"> </span>3<span class=\"__14 _1117\"> </span>12<span class=\"__14 _1ce\"> </span>- vara<span class=\"__14 _b_13\"/>v kategori 1 och 2<span class=\"__14 _1126\"> </span>1<span class=\"__14 _1223\"> </span>-8<span class=\"__14 _1ce\"> </span>Kreditf\u00f6rl<span class=\"__14 _1058\"/>ustrelation nett<span class=\"__14 _1058\"/>o, inklusive h<span class=\"__14 _1058\"/>ypoteksl\u00e5n  till verkligt v\u00e4rde, k<span class=\"__14 _1058\"/>oncernen, punkt<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">er1</span><span class=\"__14 _1172\"> </span>4<span class=\"__14 _8f_6\"> </span>1<span class=\"__14 _1ce\"> </span>Kreditf\u00f6rl<span class=\"__14 _1058\"/>ustrelation nett<span class=\"__14 _1058\"/>o, inklusive h<span class=\"__14 _1058\"/>ypoteksl\u00e5n  till verkligt v\u00e4rde, P<span class=\"__14 _b_13\"/>ersonal Banking, punkter<span class=\"__14 _1088\"> </span>3<span class=\"__14 _1115\"> </span>1<span class=\"__14 _1ce\"> </span>Kreditf\u00f6rl<span class=\"__14 _1058\"/>ustrelation nett<span class=\"__14 _1058\"/>o, inklusive h<span class=\"__14 _1058\"/>ypoteksl\u00e5n  till verkligt v\u00e4rde, Business Banking, punk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1088\"> </span>5<span class=\"__14 _1096\"> </span>0<span class=\"__14 _1ce\"> </span>Kreditf\u00f6rl<span class=\"__14 _1058\"/>ustrelation nett<span class=\"__14 _1058\"/>o, inklusive h<span class=\"__14 _1058\"/>ypoteksl\u00e5n till<span class=\"__14 _1ce\"> </span> verkligt v\u00e4rde, L<span class=\"__14 _1058\"/>arge Corpora<span class=\"__14 _1058\"/>tes &amp; Institutions, punk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _3b_8\"> </span>-9<span class=\"__14 _1149\"> </span>2<span class=\"__14 _1ce\"> </span>1)  Kreditf\u00f6rlust<span class=\"__14 _1058\"/>er och nettoresulta<span class=\"__14 _1058\"/>t av utl\u00e5ning i portf\u00f6ljer som h\u00e5lls till f<span class=\"__14 _b_13\"/>\u00f6rfall och obl-<span class=\"__14 _1ce\"> </span>ligatoriskt v<span class=\"__14 _b_13\"/>\u00e4rderas till verkligt v\u00e4rde dividerat med to<span class=\"__14 _b_13\"/>tal utl\u00e5ning v\u00e4rderad till upp-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">lupet anskaffningsv\u00e4r</span><span class=\"__14 _b_13\"/>de och verkligt v\u00e4rde, punkter<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfImpairmentOfAssetsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-587": {
   "value": "K2.9 Kreditf\u00f6rluster Redovisningsprinicper Nedskrivningar av \ufb01nansiella tillg\u00e5ngar i kategorierna \u201dUpp- lupet anskaffningsv\u00e4rde\u201d och \u201dVerkligt v\u00e4rde via \u00f6vrigt total- resultat\u201d (se not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d) p\u00e5 balansraderna \u201dUtl\u00e5ning till centralbanker\u201d, \u201dUtl\u00e5ning till kre- ditinstitut\u201d, \u201dUtl\u00e5ning till allm\u00e4nheten\u201d och \u201dR\u00e4nteb\u00e4rande v\u00e4rdepapper\u201d, redovisas som \u201dKreditf\u00f6rluster, netto\u201d, tillsam- mans med f\u00f6rluster fr\u00e5n \ufb01nansiella garantier. F\u00f6rlusterna redovisas med avdrag f\u00f6r eventuella s\u00e4kerheter eller andra kreditf\u00f6rst\u00e4rkningar. Nordeas redovisningsprinciper f\u00f6r ber\u00e4kningen av nedskrivning av l\u00e5n och till\u00e4mpade kritiska bed\u00f6mningar \ufb01nns i not K3.7 \u201dUtl\u00e5ning\u201d. Motpartsf\u00f6rluster h\u00e4nf\u00f6rliga till instrument som klassi\ufb01ce- rats i kategorin \u201dFinansiella tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen\u201d, inklusive kreditderivat men exklusive l\u00e5nefordringar redovisade till verkligt v\u00e4rde, redovi- sas under \u201dNettoresultat av poster till verkligt\u201d eller, om de \u00e4r h\u00e4nf\u00f6rliga till l\u00e5nefordringar i portf\u00f6ljer d\u00e4r avsikten \u00e4r att beh\u00e5lla instrumenten till f\u00f6rfall och som det \u00e4r obligatoriskt att v\u00e4rdera till verkligt v\u00e4rde (uppfyller inte SPPI-kriteriet, dvs. att det uteslutande r\u00f6r sig om betalning av kapitalbelopp och r\u00e4nta), under posten \u201dNettoresultat av utl\u00e5ning i portf\u00f6l- jer som h\u00e5lls till f\u00f6rfall och obligatoriskt v\u00e4rderas till verkligt v\u00e4rde\u201d. F\u00f6r ytterligare information, se not K2.4 \u201dSumma net- toresultat av poster till verkligt v\u00e4rde\u201d. Ytterligare information om kreditrisk \ufb01nns i not K11 \u201dRisk- och likviditetshantering\u201d . K3.7 Utl\u00e5ning Redovisningsprinciper L\u00e5n \u00e4r \ufb01nansiella instrument med fasta eller fastst\u00e4llbara  betalningar som inte enkelt kan \u00f6verf\u00f6ras utan g\u00e4lden\u00e4rens  medgivande. L\u00e5n klassi\ufb01ceras och v\u00e4rderas i enlighet med  beskrivningen i not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d. Nedan  f\u00f6ljer Nordeas redovisningsprinciper g\u00e4llande kreditf\u00f6rluster.  Mer information om kreditrisk i utl\u00e5ningen \ufb01nns i not K11  \u201dRisk- och likviditetshantering\u201d. Finansiella instrument som klassi\ufb01cerats i kategorin \u201dUpp- lupet anskaffningsv\u00e4rde\u201d eller \u201dVerkligt v\u00e4rde via \u00f6vrigt total- resultat\u201d omfattas av pr\u00f6vning av nedskrivningsbehov till  f\u00f6ljd av kreditrisk. H\u00e4r ing\u00e5r tillg\u00e5ngar som i balansr\u00e4kningen  redovisats som \u201dUtl\u00e5ning till centralbanker\u201d, \u201dUtl\u00e5ning till kre- ditinstitut\u201d, \u201dUtl\u00e5ning till allm\u00e4nheten\u201d samt \u201dR\u00e4nteb\u00e4rande  v\u00e4rdepapper\u201d. I utl\u00e5ning till allm\u00e4nheten ing\u00e5r \ufb01nansiell lea- sing, som ocks\u00e5 omfattas av pr\u00f6vning av nedskrivningsbehov.  Bland dessa balansposter \ufb01nns \u00e4ven tillg\u00e5ngar som klassi\ufb01- cerats i kategorin \u201dVerkligt v\u00e4rde via resultatr\u00e4kningen\u201d och  som inte omfattas av n\u00e5gon pr\u00f6vning av nedskrivningsbeho- vet. Se \u00e4ven not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d. \u00c4ven \u00e5taganden utanf\u00f6r balansr\u00e4kningen, eventualf\u00f6rplik- telser och kredit\u00e5taganden ska pr\u00f6vas f\u00f6r  nedskrivningsbehov. Redovisning och presentation Tillg\u00e5ngar v\u00e4rderade till upplupet anskaffningsv\u00e4rde redovi- sas brutto, med en separat reservering f\u00f6r f\u00f6rv\u00e4ntade kredit- f\u00f6rluster om f\u00f6rlusten inte betraktas som de\ufb01nitiv. Reserverna  kvittas mot utl\u00e5ningen i balansr\u00e4kningen, men presenteras  separat i denna not. F\u00f6r\u00e4ndringar av reserveringar redovisas i  resultatr\u00e4kningen och klassi\ufb01ceras som \u201dKreditf\u00f6rluster,  netto\u201d. Om nedskrivningen anses vara de\ufb01nitiv redovisas den som  en konstaterad kreditf\u00f6rlust, och det redovisade v\u00e4rdet p\u00e5  l\u00e5net j\u00e4mte tillh\u00f6rande reservering f\u00f6r kreditf\u00f6rluster tas bort  fr\u00e5n balansr\u00e4kningen. En nedskrivning anses vara de\ufb01nitiv  n\u00e4r konkursans\u00f6kan inges mot l\u00e5ntagaren och konkursf\u00f6rval- taren har presenterat den ekonomiska utg\u00e5ngen av konkurs- f\u00f6rfarandet, eller n\u00e4r Nordea eftersk\u00e4nker sina fordringar  genom rekonstruktion p\u00e5 antingen r\u00e4ttslig eller frivillig grund  eller n\u00e4r Nordea av andra sk\u00e4l bed\u00f6mer \u00e5tervinning av for- dran som osannolik. Se \u00e4ven avsnittet \u201dAvskrivningar\u201d nedan. Avs\u00e4ttningar f\u00f6r poster utanf\u00f6r balansr\u00e4kningen klassi\ufb01ce- ras som \u201dAvs\u00e4ttningar\u201d i balansr\u00e4kningen, med f\u00f6r\u00e4ndringar i  avs\u00e4ttningar klassi\ufb01cerade som \u201dKreditf\u00f6rluster, netto\u201d. Tillg\u00e5ngar klassi\ufb01cerade som \u201dVerkligt v\u00e4rde via \u00f6vrigt  totalresultat\u201d redovisas till verkligt v\u00e4rde i balansr\u00e4kningen.  Nedskrivningar ber\u00e4knade i enlighet med IFRS 9 redovisas i  resultatr\u00e4kningen och klassi\ufb01ceras som \u201dKreditf\u00f6rluster,  netto\u201d. Eventuella justeringar till verkligt v\u00e4rde redovisas i  \u201d\u00d6vrigt totalresultat\u201d.  Pr\u00f6vning av nedskrivningsbehov  Nordea klassi\ufb01cerar alla l\u00e5nefordringar i olika kategorier p\u00e5  individuell basis. Kategori 1 inkluderar tillg\u00e5ngar utan bety- dande \u00f6kning av kreditrisken sedan f\u00f6rsta redovisningstillf\u00e4l- let, kategori 2 inkluderar tillg\u00e5ngar med betydande \u00f6kning av  kreditrisken och kategori 3 (os\u00e4kra l\u00e5nefordringar) inkluderar  fallerade tillg\u00e5ngar. Nordea f\u00f6ljer upp om det \ufb01nns indikatio- ner p\u00e5 kreditf\u00f6rs\u00e4mring (kategori 3) genom att identi\ufb01era  h\u00e4ndelser med negativ inverkan p\u00e5 ber\u00e4knade framtida kas- safl\u00f6den (f\u00f6rlusth\u00e4ndelse). Nordea till\u00e4mpar samma de\ufb01ni- tion p\u00e5 fallissemang som i kapitalt\u00e4ckningsf\u00f6rordningen. Mer  information om identi\ufb01ering av f\u00f6rlusth\u00e4ndelser \ufb01nns i not  K11 \u201dRisk- och likviditetshantering\u201d. L\u00e5nefordringar som inte  har individuellt ber\u00e4knade reserver ing\u00e5r i pr\u00f6vningen av  nedskrivningsbehovet baserat p\u00e5 statistiska modeller. F\u00f6r l\u00e5nefordringar med betydande v\u00e4rde d\u00e4r en kredith\u00e4n- delse har identi\ufb01erats, pr\u00f6vas nedskrivningsbehovet p\u00e5 indivi- duell basis. Om l\u00e5nefordringen bed\u00f6ms vara os\u00e4ker g\u00f6rs en  individuell reservering. Det redovisade v\u00e4rdet p\u00e5 l\u00e5nefordring- en j\u00e4mf\u00f6rs med den nuv\u00e4rdesber\u00e4knade summan av f\u00f6rv\u00e4n- tade framtida kassafl\u00f6den. Om det redovisade v\u00e4rdet \u00e4r h\u00f6gre  redovisas skillnaden som en nedskrivningsf\u00f6rlust. De f\u00f6rv\u00e4n- tade kassafl\u00f6dena diskonteras med den ursprungliga effektiva  r\u00e4ntan och innefattar verkligt v\u00e4rde f\u00f6r s\u00e4kerheter och andra  kreditf\u00f6rst\u00e4rkningar. Nuv\u00e4rdesber\u00e4kningen baseras p\u00e5 tre  olika fram\u00e5tblickande scenarier som \u00e4r sannolikhetsviktade. F\u00f6r l\u00e5nefordringar som inte \u00e4r betydande d\u00e4r ett individu- ellt nedskrivningsbehov har identi\ufb01erats, ber\u00e4knas nedskriv- ningsbeloppet utifr\u00e5n den modell som beskrivs nedan, men  med h\u00e4nsyn till att l\u00e5nefordringarna redan \u00e4r fallerade. Nordea anv\u00e4nder sig inte av undantaget \u201dl\u00e5g kreditrisk\u201d i  bankverksamheten, men d\u00e4remot f\u00f6r en mindre portf\u00f6lj av  r\u00e4nteb\u00e4rande v\u00e4rdepapper i f\u00f6rs\u00e4kringsr\u00f6relsen.  Pr\u00f6vning av nedskrivningsbehov f\u00f6r l\u00e5n  v\u00e4rderade enligt statistiska modeller F\u00f6r l\u00e5nefordringar d\u00e4r inget nedskrivningsbehov identi\ufb01era- des i den individuella pr\u00f6vningen anv\u00e4nds en kollektiv modell  f\u00f6r ber\u00e4kning av nedskrivningsbehov. Reserveringarna ber\u00e4k- nas som l\u00e5nefordring vid fallissemang g\u00e5nger sannolikheten  f\u00f6r fallissemang g\u00e5nger f\u00f6rlusten i h\u00e4ndelse av fallissemang.  F\u00f6r tillg\u00e5ngar i kategori 1 baseras ber\u00e4kningen endast p\u00e5 de  kommande 12 m\u00e5naderna, medan den f\u00f6r tillg\u00e5ngar i kate- gori 2 och 3 baseras p\u00e5 tillg\u00e5ngens f\u00f6rv\u00e4ntade l\u00f6ptid. Reserveringar f\u00f6r l\u00e5nefordringar d\u00e4r det inte skett n\u00e5gon  betydande \u00f6kning av kreditrisken sedan f\u00f6rsta redovisnings- tillf\u00e4llet baseras p\u00e5 f\u00f6rv\u00e4ntade kreditf\u00f6rluster under kom- mande 12 m\u00e5nader (kategori 1). Reserveringar f\u00f6r l\u00e5neford- ringar d\u00e4r det har skett en betydande \u00f6kning av kreditrisken  sedan f\u00f6rsta redovisningstillf\u00e4llet, men d\u00e4r ingen nedskriv- ning har gjorts, baseras p\u00e5 f\u00f6rv\u00e4ntade kreditf\u00f6rluster under  hela den \u00e5terst\u00e5ende l\u00f6ptiden (kategori 2). Detta g\u00e4ller \u00e4ven  f\u00f6r os\u00e4kra fordringar som inte \u00e4r betydande i kategori 3. Nordea anv\u00e4nder tv\u00e5 olika modeller f\u00f6r att fastst\u00e4lla om det  har skett en betydande \u00f6kning av kreditrisken eller inte. F\u00f6r  tillg\u00e5ngar som innehades vid \u00f6verg\u00e5ngen till IFRS 9 den  1 januari 2018 anv\u00e4nds f\u00f6r\u00e4ndringen i interna rating- och sco- ringuppgifter f\u00f6r att fastst\u00e4lla om det skett en betydande  \u00f6kning av kreditrisken eller inte. Interna rating-/scoringuppgif- ter anv\u00e4nds f\u00f6r att bed\u00f6ma risken hos kunderna, och en f\u00f6r- s\u00e4mrad rating/scoring f\u00f6r en kund tyder p\u00e5 att kreditrisken har  \u00f6kat. Nordea har dragit slutsatsen att det inte \u00e4r m\u00f6jligt att vid  kreditgivningen ber\u00e4kna sannolikheten f\u00f6r fallissemang (PD)  f\u00f6r den \u00e5terst\u00e5ende l\u00f6ptiden utan bed\u00f6mningar i efterhand av  tillg\u00e5ngar som redan redovisas i balansr\u00e4kningen vid \u00f6ver- g\u00e5ngen. F\u00f6r\u00e4ndringar i PD f\u00f6r den \u00e5terst\u00e5ende l\u00f6ptiden  anv\u00e4nds som utl\u00f6sande faktor f\u00f6r tillg\u00e5ngar redovisade efter  \u00f6verg\u00e5ngen . F\u00f6r tillg\u00e5ngar som bed\u00f6ms utifr\u00e5n PD f\u00f6r den \u00e5terst\u00e5ende  l\u00f6ptiden anv\u00e4nder Nordea en blandning av absoluta och rela- tiva f\u00f6r\u00e4ndringar i PD som kriterium f\u00f6r \u00f6verf\u00f6ringen.  \u2022  Retail-kunder med ett ursprungligt tolvm\u00e5naders PD under  1 procent: L\u00e5nefordringar med en relativ \u00f6kning i PD f\u00f6r den  \u00e5terst\u00e5ende l\u00f6ptiden p\u00e5 \u00f6ver 100 procent och en absolut  \u00f6kning av tolvm\u00e5naders PD p\u00e5 \u00f6ver 45 punkter \u00f6verf\u00f6rs till  kategori 2.  \u2022  Retail-kunder med ett ursprungligt tolvm\u00e5naders PD \u00f6ver  eller lika med 1 procent: L\u00e5nefordringar med en relativ  \u00f6kning i PD f\u00f6r den \u00e5terst\u00e5ende l\u00f6ptiden p\u00e5 \u00f6ver 100 pro- cent eller en absolut \u00f6kning av tolvm\u00e5naders PD p\u00e5 \u00f6ver  300 punkter \u00f6verf\u00f6rs till kategori 2.  \u2022  F\u00f6retags- och institutionella kunder med ett ursprungligt  tolvm\u00e5naders PD under 0,5 procent: L\u00e5nefordringar med en  relativ \u00f6kning i PD f\u00f6r den \u00e5terst\u00e5ende l\u00f6ptiden p\u00e5 \u00f6ver  150 procent och en absolut \u00f6kning av tolvm\u00e5naders PD p\u00e5  \u00f6ver 20 punkter \u00f6verf\u00f6rs till kategori 2.  \u2022  F\u00f6retags- och institutionella kunder med ett ursprungligt  tolvm\u00e5naders PD p\u00e5 \u00f6ver eller lika med 0,5 procent: L\u00e5nefor- dringar med en relativ \u00f6kning i PD f\u00f6r den \u00e5terst\u00e5ende l\u00f6p- tiden p\u00e5 \u00f6ver 150 procent eller en absolut \u00f6kning av  tolvm\u00e5naders PD p\u00e5 \u00f6ver 400 punkter \u00f6verf\u00f6rs till kategori 2. F\u00f6r tillg\u00e5ngar d\u00e4r rating- och scoringmodeller anv\u00e4nds, kali- breras rating-/scoringf\u00f6r\u00e4ndringen f\u00f6r att matcha den bety- dande \u00f6kningen av kreditrisken utifr\u00e5n PD f\u00f6r den \u00e5terst\u00e5- ende l\u00f6ptiden. Dessutom \u00f6verf\u00f6rs kunder som omfattas av  f\u00f6rmildrande kreditvillkor och kunder som \u00e4r mer \u00e4n 30 dagar  sena med sina betalningar till kategori 2, s\u00e5vida inte ett ned- skrivningsbehov redan har identi\ufb01erats (kategori 3). L\u00e5ne- fordringar som omfattas av f\u00f6rmildrande kreditvillkor kvar- st\u00e5r i kategori 2 under en pr\u00f6votid p\u00e5 24 m\u00e5nader, fr\u00e5n och  med den tidpunkt d\u00e5 \u00e5tg\u00e4rderna inf\u00f6rdes. N\u00e4r l\u00e5nefordring- arna efter pr\u00f6votidens slut \u00e5terf\u00f6rs till kategori 1 hanteras de  p\u00e5 samma s\u00e4tt som andra l\u00e5nefordringar i kategori 1 i fr\u00e5ga  om bed\u00f6mningen av om det f\u00f6religger en v\u00e4sentlig \u00f6kning av  kreditrisken. L\u00e5nefordringar d\u00e4r kunderna \u00e4r mer \u00e4n 90 dagar  sena med sina betalningar klassi\ufb01ceras normalt i kategori 3,  men denna klassi\ufb01cering \u00e4ndras om det \ufb01nns bevis f\u00f6r att  kunden inte har fallerat. S\u00e5dana l\u00e5nefordringar klassi\ufb01ceras i  kategori 2. L\u00e5nefordringar med \u201dh\u00f6g risk\u201d, det vill s\u00e4ga med  en rating p\u00e5 2 eller l\u00e4gre, \u00f6verf\u00f6rs ocks\u00e5 till kategori 2.  Vid ber\u00e4kningen av reserveringar, inklusive kategoriindel- ningen, anv\u00e4nds b\u00e5de historisk information och sannolikhets- viktad, fram\u00e5tblickande information. Nordea anv\u00e4nder tre  makroekonomiska scenarier f\u00f6r att ta h\u00e4nsyn till de icke-linj\u00e4- ra aspekterna av f\u00f6rv\u00e4ntade kreditf\u00f6rluster. De olika scenari- erna anv\u00e4nds f\u00f6r att justera de aktuella parametrarna f\u00f6r  ber\u00e4kning av f\u00f6rv\u00e4ntade kreditf\u00f6rluster, och ett sannolikhets- viktat genomsnitt av de f\u00f6rv\u00e4ntade f\u00f6rlusterna enligt respek- tive scenario redovisas som reserveringar. Modellen anv\u00e4nder  sig av data som samlats in f\u00f6re balansdagen, vilket inneb\u00e4r  att Nordea m\u00e5ste identi\ufb01era h\u00e4ndelser som skulle kunna  p\u00e5verka reserveringarna efter datainsamlingen. Ledningen  utv\u00e4rderar dessa h\u00e4ndelser och justerar reserveringarna, om  detta bed\u00f6ms n\u00f6dv\u00e4ndigt. Bortskrivningar Bortskrivningar inneb\u00e4r att l\u00e5n eller kundfordringar avf\u00f6rs  fr\u00e5n balansr\u00e4kningen samtidigt som motsvarande kreditf\u00f6r- lustreservering realiseras. N\u00e4r fordringar bed\u00f6ms vara om\u00f6j- liga att driva in ska de snarast m\u00f6jligt bortskrivas, oavsett om  det r\u00e4ttsliga anspr\u00e5ket kvarst\u00e5r eller inte. En bortskrivning  kan g\u00f6ras innan eventuella r\u00e4ttsliga \u00e5tg\u00e4rder mot l\u00e5ntagaren, f\u00f6r att \u00e5tervinna skulden, har slutf\u00f6rts. \u00c4ven om en fordran  som inte kan drivas in bortskrivs eller avf\u00f6rs fr\u00e5n balansr\u00e4k- ningen har kunden en r\u00e4ttslig skyldighet att betala den ute- st\u00e5ende skulden. Vid bed\u00f6mningen av huruvida os\u00e4kra l\u00e5ne- fordringar kan \u00e5tervinnas och om bortskrivning kr\u00e4vs, \u00e4r det  framf\u00f6r allt l\u00e5nefordringar med f\u00f6ljande egenskaper som st\u00e5r  i fokus (listan \u00e4r inte utt\u00f6mmande): \u2022  L\u00e5nefordringar d\u00e4r kunderna \u00e4r mer \u00e4n 90 dagar sena med  betalningen. Om en l\u00e5nefordring, eller del av den, efter den  h\u00e4r bed\u00f6mningen anses vara om\u00f6jlig att driva in, bortskrivs  den. \u2022  L\u00e5nefordringar som omfattas av insolvensf\u00f6rfarande och  har l\u00e5g s\u00e4kerhetst\u00e4ckning. \u2022  L\u00e5nefordringar d\u00e4r juridiska kostnader f\u00f6rv\u00e4ntas f\u00f6rbruka  beh\u00e5llningen fr\u00e5n konkursf\u00f6rfarandet, med l\u00e5ga \u00e5tervin- ningsv\u00e4rden som f\u00f6ljd. \u2022  Delbortskrivning kan vara befogad n\u00e4r det \ufb01nns rimliga  ekonomiska bel\u00e4gg f\u00f6r att l\u00e5ntagaren inte kan \u00e5terbetala  hela beloppet, det vill s\u00e4ga en avsev\u00e4rd del av skulden kan  inte p\u00e5 rimliga grunder s\u00e4gas vara \u00e5tervinningsbar genom  f\u00f6rmildrande kreditvillkor eller realisering av s\u00e4kerheter. \u2022  Rekonstruktionsfall. Diskonteringsr\u00e4nta Diskonteringsr\u00e4ntan som anv\u00e4nds f\u00f6r v\u00e4rdering av os\u00e4kra  l\u00e5nefordringar motsvarar den ursprungliga effektiva r\u00e4ntan  f\u00f6r l\u00e5n h\u00e4nf\u00f6rliga till en enskild kund eller, i f\u00f6rekommande  fall, till en grupp av l\u00e5nefordringar. Om s\u00e5 anses l\u00e4mpligt kan  diskonteringsr\u00e4ntan ber\u00e4knas med en metod som resulterar i  en nedskrivning som utg\u00f6r en rimlig uppskattning av vad en  ber\u00e4kning grundad p\u00e5 effektivr\u00e4ntemetoden skulle ge. Omstrukturerade l\u00e5nefordringar och modi\ufb01eringar Med en omstrukturerad l\u00e5nefordran avses i detta samman- hang en l\u00e5nefordran d\u00e4r Nordea har beviljat l\u00e5ntagaren efter- gifter till f\u00f6ljd av dennes ekonomiska sv\u00e5righeter och d\u00e4r  s\u00e5dana eftergifter har gett upphov till en kreditf\u00f6rlust f\u00f6r  Nordea. Efter en omstrukturering betraktas l\u00e5nefordran vanli- gen inte l\u00e4ngre som os\u00e4ker om \u00e5tagandena fullf\u00f6ljs i enlighet  med de nya villkoren. I det fall en \u00e5tervinning sker redovisas  betalningen som en \u00e5tervinning av kreditf\u00f6rluster.  Modi\ufb01ering av de avtalsenliga kassafl\u00f6dena f\u00f6r l\u00e5n till kunder  med ekonomiska sv\u00e5righeter (f\u00f6rmildrande kreditvillkor) mins- kar det redovisade l\u00e5nebeloppet, brutto. Normalt \u00e4r denna  minskning mindre \u00e4n den be\ufb01ntliga reserveringen, och ingen  f\u00f6rlust redovisas i resultatr\u00e4kningen till f\u00f6ljd av modi\ufb01ering. Om  de \u00e4r betydande, minskas bruttobeloppen (l\u00e5n och reservering).  Tillg\u00e5ngar \u00f6vertagna f\u00f6r skyddande av fordran I en \ufb01nansiell omstrukturering kan l\u00e5ngivaren komma att  avst\u00e5 fr\u00e5n l\u00e5nefordringar till f\u00f6rm\u00e5n f\u00f6r l\u00e5ntagaren och i utby- te mot denna eftergift ta \u00f6ver tillg\u00e5ngar som l\u00e4mnats som  s\u00e4kerhet f\u00f6r l\u00e5nen, aktier som emitterats av l\u00e5ntagaren eller  andra tillg\u00e5ngar. En tillg\u00e5ng \u00f6vertagen f\u00f6r skyddande av for- dran redovisas i balansr\u00e4kningen tillsammans med liknande  tillg\u00e5ngar som redan innehas av Nordea. En \u00f6vertagen fastig- het som inte innehas f\u00f6r eget utnyttjande redovisas till exem- pel tillsammans med andra f\u00f6rvaltningsfastigheter. Alla tillg\u00e5ngar som \u00f6vertagits f\u00f6r skyddande av fordran  redovisas vid f\u00f6rsta redovisningstillf\u00e4llet till verkligt v\u00e4rde och  eventuell skillnad mellan l\u00e5nets redovisade v\u00e4rde och det  verkliga v\u00e4rdet p\u00e5 den \u00f6vertagna tillg\u00e5ngen redovisas under  posten \u201dKreditf\u00f6rluster, netto\u201d. Det verkliga v\u00e4rdet p\u00e5 redovis- ningsdagen blir tillg\u00e5ngens anskaffningsv\u00e4rde eller upplupna  anskaffningsv\u00e4rde, beroende p\u00e5 vad som \u00e4r till\u00e4mpligt. Under efterf\u00f6ljande perioder v\u00e4rderas tillg\u00e5ngar som \u00f6vertagits f\u00f6r skyddande av fordran i enlighet med g\u00e4llande v\u00e4rderings- principer f\u00f6r tillg\u00e5ngsslaget. F\u00f6rvaltningsfastigheter v\u00e4rderas d\u00e5 till verkligt v\u00e4rde. \u00d6vertagna \ufb01nansiella tillg\u00e5ngar klassi\ufb01- ceras generellt i kategorin \u201dVerkligt v\u00e4rde via resultatr\u00e4kning- en\u201d och v\u00e4rderas till verkligt v\u00e4rde. F\u00f6r\u00e4ndringar i verkligt v\u00e4rde redovisas i resultatr\u00e4kningen under posten \u201dNettoresul- tat av poster till verkligt v\u00e4rde\u201d. Eventuella v\u00e4rdef\u00f6r\u00e4ndringar efter den \u00f6vertagna tillg\u00e5ng- ens f\u00f6rsta redovisningstillf\u00e4lle, redovisas i resultatr\u00e4kningen i enlighet med koncernens principer f\u00f6r presentation av till- g\u00e5ngsslaget. Posten \u201dKreditf\u00f6rluster, netto\u201d i resultatr\u00e4kning- en p\u00e5verkas f\u00f6ljaktligen inte av nya v\u00e4rderingar av den \u00f6ver- tagna tillg\u00e5ngen efter f\u00f6rsta redovisningstillf\u00e4llet. K5.1  Immateriella tillg\u00e5ngar Redovisningsprinciper Immateriella tillg\u00e5ngar \u00e4r identi\ufb01erbara, icke-monet\u00e4ra till- g\u00e5ngar som saknar fysisk beskaffenhet. Tillg\u00e5ngarna st\u00e5r under Nordeas kontroll, vilket inneb\u00e4r att Nordea har m\u00f6jlighet och r\u00e4tt att erh\u00e5lla de framtida ekonomiska f\u00f6rdelarna h\u00e4nf\u00f6r- liga till den underliggande tillg\u00e5ngen. Nordeas immateriella tillg\u00e5ngar utg\u00f6rs fr\u00e4mst av goodwill, IT-utvecklingsprojekt/pro- gramvaror och kundrelaterade immateriella tillg\u00e5ngar. Goodwill Goodwill utg\u00f6r skillnaden mellan anskaffningsv\u00e4rdet och det verkliga v\u00e4rdet p\u00e5 Nordeas andel av identi\ufb01erbara nettotillg\u00e5ng- ar i f\u00f6rv\u00e4rvade koncernf\u00f6retag/intressef\u00f6retag/joint ventures vid f\u00f6rv\u00e4rvstidpunkten. Goodwill som uppkommit vid f\u00f6rv\u00e4rv av koncernf\u00f6retag redovisas som \u201dImmateriella tillg\u00e5ngar\u201d. Good- will som uppkommit vid f\u00f6rv\u00e4rv av intressef\u00f6retag och joint ven- tures redovisas inte som en separat tillg\u00e5ng utan som \u201dAktier och andelar i intressef\u00f6retag och joint ventures\u201d. Goodwill pr\u00f6vas \u00e5rligen f\u00f6r eventuellt nedskrivningsbehov, eller oftare om h\u00e4n- delser eller \u00e4ndrade f\u00f6ruts\u00e4ttningar tyder p\u00e5 att nedskrivnings- behov \ufb01nns. Goodwill redovisas till anskaffningsv\u00e4rde minskat med ackumulerade nedskrivningar. Nedskrivning av goodwill kan inte \u00e5terf\u00f6ras i senare perioder. Goodwill h\u00e4nf\u00f6rlig till intres- sef\u00f6retag och joint ventures pr\u00f6vas inte separat f\u00f6r nedskriv- ningsbehov utan inkluderas i det redovisade v\u00e4rdet p\u00e5 intresse- f\u00f6retaget och joint venture-f\u00f6retaget. Principerna f\u00f6r nedskriv- ningspr\u00f6vning av intressef\u00f6retag och joint ventures beskrivs i not K9.3 \u201dAktier och andelar i intressef\u00f6retag och joint ventures\u201d. IT-utvecklingsprojekt/programvaror Kostnader h\u00e4nf\u00f6rliga till underh\u00e5ll av programvaror kostnads- f\u00f6rs l\u00f6pande. Utgifter direkt h\u00e4nf\u00f6rbara till st\u00f6rre investeringar i utveckling av programvara redovisas som immateriella till- g\u00e5ngar om de f\u00f6rv\u00e4ntas generera framtida ekonomiska f\u00f6rde- lar. Dessa utgifter omfattar personalkostnader f\u00f6r programut- veckling och indirekta kostnader f\u00f6r att f\u00e4rdigst\u00e4lla tillg\u00e5ngen f\u00f6r avsedd anv\u00e4ndning. Programkostnader omfattar ocks\u00e5 f\u00f6r- v\u00e4rvade programlicenser som inte \u00e4r h\u00e4nf\u00f6rliga till funktionen hos en materiell tillg\u00e5ng. Avskrivningen ber\u00e4knas linj\u00e4rt \u00f6ver programvarans nyttjan- deperiod, som vanligen \u00e4r 3 till 5 \u00e5r, och i vissa fall f\u00f6r strate- gisk infrastruktur upp till maximalt 10 \u00e5r. Kundrelaterade immateriella tillg\u00e5ngar I samband med r\u00f6relsef\u00f6rv\u00e4rv allokeras normalt sett en del av k\u00f6peskillingen till kundrelaterade immateriella tillg\u00e5ngar, under f\u00f6ruts\u00e4ttning att tillg\u00e5ngen \u00e4r identi\ufb01erbar och under Nordeas kontroll. En immateriell tillg\u00e5ng \u00e4r identi\ufb01erbar om den uppst\u00e5r till f\u00f6ljd av avtalsm\u00e4ssiga eller lagliga r\u00e4ttigheter, eller om den kan separeras fr\u00e5n f\u00f6retaget och s\u00e4ljas, \u00f6verf\u00f6ras, licensieras, uthyras eller bytas. Tillg\u00e5ngen skrivs av \u00f6ver nytt- jandeperioden, som vanligen \u00e4r mer \u00e4n 10 \u00e5r. Nedskrivning Goodwill och IT-utvecklingsprojekt som \u00e4nnu inte tagits i bruk skrivs inte av, men pr\u00f6vas \u00e5rligen med avseende p\u00e5 eventuellt nedskrivningsbehov. Pr\u00f6vningen g\u00f6rs oftare om n\u00e5got tyder p\u00e5 att ett nedskrivningsbehov f\u00f6religger. \u00c4ven f\u00f6r immateriella tillg\u00e5ngar som tagits i bruk och skrivs av, g\u00f6rs en bed\u00f6mning med avseende p\u00e5 indikationer p\u00e5 nedskrivningsbehov. Om s\u00e5dana indikationer \ufb01nns, pr\u00f6vas nedskrivningsbehovet f\u00f6r till- g\u00e5ngen. Nedskrivningskostnaden ber\u00e4knas som skillnaden mellan redovisat v\u00e4rde och \u00e5tervinningsv\u00e4rde. \u00c5tervinningsv\u00e4rdet \u00e4r det h\u00f6gre av verkligt v\u00e4rde efter avdrag f\u00f6r f\u00f6rs\u00e4ljningskostnader och nyttjandev\u00e4rdet f\u00f6r till- g\u00e5ngen eller den kassagenererande enheten. Kassagenereran- de enhet de\ufb01nieras som den minsta identi\ufb01erbara grupp av till- g\u00e5ngar som ger upphov till kassafl\u00f6den som i allt v\u00e4sentligt \u00e4r oberoende av andra tillg\u00e5ngar. F\u00f6r goodwill och IT-utvecklings- projekt som \u00e4nnu inte tagits i bruk, motsvaras de kassagenere- rande enheterna av r\u00f6relsesegmenten. Nyttjandev\u00e4rdet \u00e4r nuv\u00e4rdet av de kassafl\u00f6den som tillg\u00e5ngen eller den kassage- nererande enheten f\u00f6rv\u00e4ntas ge upphov til l. K5.2  Materiella tillg\u00e5ngar Redovisningsprinciper Posten \u201dMateriella tillg\u00e5ngar\u201d innefattar fastigheter f\u00f6r egen  anv\u00e4ndning, f\u00f6rb\u00e4ttringsutgifter p\u00e5 annans fastighet, IT-utrust- ning, m\u00f6bler och annan utrustning. \u00c4ven nyttjander\u00e4tter enligt  leasingavtal ing\u00e5r h\u00e4r (f\u00f6r mer information se not K5.4 \u201dLea- sing\u201d). Materiella tillg\u00e5ngar redovisas till anskaffningsv\u00e4rde  minskat med ackumulerade av- och nedskrivningar. Anskaff- ningsv\u00e4rdet f\u00f6r en materiell tillg\u00e5ng utg\u00f6rs av dess ink\u00f6pspris  samt eventuella kostnader direkt h\u00e4nf\u00f6rliga till att s\u00e4tta till- g\u00e5ngen i brukbart skick f\u00f6r avsedd anv\u00e4ndning. Delar av en  materiell tillg\u00e5ng redovisas som separata poster om de har  olika nyttjandeperiod. F\u00f6rb\u00e4ttringsutgifter redovisas som tillg\u00e5ngar om de inneb\u00e4r  en f\u00f6rb\u00e4ttrad funktion hos tillg\u00e5ngen, medan utgifter f\u00f6r  underh\u00e5ll inte f\u00f6rb\u00e4ttrar tillg\u00e5ngens funktion och d\u00e4rmed kost- nadsf\u00f6rs l\u00f6pande. Materiella tillg\u00e5ngar skrivs av linj\u00e4rt \u00f6ver den ber\u00e4knade  nyttjandeperioden enligt nedan. Den ber\u00e4knade nyttjandepe- rioden f\u00f6r olika materiella tillg\u00e5ngar uppdateras \u00e5rligen. Byggnader  30\u201375 \u00e5r Inventarier  3\u20135 \u00e5r F\u00f6rb\u00e4ttrings  -  utgifter  p\u00e5   annans fastighet    F\u00f6r f\u00f6r\u00e4ndringar inom byggnader, det kor- tare av 10 \u00e5r och \u00e5terst\u00e5ende hyresperiod.  F\u00f6r nybyggnation, det kortare av redovis- ningsprinciperna f\u00f6r \u00e4gda byggnader och  \u00e5terst\u00e5ende hyresperiod. F\u00f6r fast inredning i  hyrda fastigheter g\u00e4ller det kortare av  10\u201320 \u00e5r och \u00e5terst\u00e5ende hyresperiod . Varje balansdag pr\u00f6var Nordea om det \ufb01nns indikationer p\u00e5  nedskrivningsbehov f\u00f6r en materiell tillg\u00e5ng. Om s\u00e5dana indi- kationer \ufb01nns g\u00f6rs en bed\u00f6mning av tillg\u00e5ngens \u00e5tervin- ningsv\u00e4rde och eventuell nedskrivning g\u00f6rs. Nedskrivningar \u00e5terf\u00f6rs om \u00e5tervinningsv\u00e4rdet \u00f6kar. Det  redovisade v\u00e4rdet \u00f6kas d\u00e5 till \u00e5tervinningsv\u00e4rdet, men kan  inte \u00f6verstiga vad det redovisade v\u00e4rdet varit om en nedskriv- ning inte redovisats i f\u00f6rsta l\u00e4get. Om det \ufb01nns indikationer p\u00e5 nedskrivningsbehov (f\u00f6rlust- h\u00e4ndelser) genomf\u00f6rs nedskrivningspr\u00f6vningar f\u00f6r att bed\u00f6- ma om det \ufb01nns objektiva bel\u00e4gg f\u00f6r nedskrivning. Det redo- visade v\u00e4rdet p\u00e5 investeringen i intressef\u00f6retaget eller joint  venture-f\u00f6retaget j\u00e4mf\u00f6rs med \u00e5tervinningsv\u00e4rdet (det h\u00f6gre  av nyttjandev\u00e4rdet och verkligt v\u00e4rde minus f\u00f6rs\u00e4ljningskost- nader) och det redovisade v\u00e4rdet skrivs ner till \u00e5tervinnings- v\u00e4rdet, om erforderligt. Nedskrivning av aktier och andelar i  intressef\u00f6retag och joint ventures klassi\ufb01ceras som \u201dAndelar i  intressef\u00f6retags och joint ventures resultat enligt kapitalan- delsmetoden\u201d i resultatr\u00e4kningen. Nedskrivningar \u00e5terf\u00f6rs om \u00e5tervinningsv\u00e4rdet \u00f6kar. Det  redovisade v\u00e4rdet \u00f6kas d\u00e5 till \u00e5tervinningsv\u00e4rdet, men kan  inte \u00f6verstiga vad det redovisade v\u00e4rdet varit om en nedskriv- ning inte redovisats i f\u00f6rsta l\u00e4get. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfAssetsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-588": {
   "value": "K2.9 Kreditf\u00f6rluster Redovisningsprinicper Nedskrivningar av \ufb01nansiella tillg\u00e5ngar i kategorierna \u201dUpp- lupet anskaffningsv\u00e4rde\u201d och \u201dVerkligt v\u00e4rde via \u00f6vrigt total- resultat\u201d (se not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d) p\u00e5 balansraderna \u201dUtl\u00e5ning till centralbanker\u201d, \u201dUtl\u00e5ning till kre- ditinstitut\u201d, \u201dUtl\u00e5ning till allm\u00e4nheten\u201d och \u201dR\u00e4nteb\u00e4rande v\u00e4rdepapper\u201d, redovisas som \u201dKreditf\u00f6rluster, netto\u201d, tillsam- mans med f\u00f6rluster fr\u00e5n \ufb01nansiella garantier. F\u00f6rlusterna redovisas med avdrag f\u00f6r eventuella s\u00e4kerheter eller andra kreditf\u00f6rst\u00e4rkningar. Nordeas redovisningsprinciper f\u00f6r ber\u00e4kningen av nedskrivning av l\u00e5n och till\u00e4mpade kritiska bed\u00f6mningar \ufb01nns i not K3.7 \u201dUtl\u00e5ning\u201d. Motpartsf\u00f6rluster h\u00e4nf\u00f6rliga till instrument som klassi\ufb01ce- rats i kategorin \u201dFinansiella tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen\u201d, inklusive kreditderivat men exklusive l\u00e5nefordringar redovisade till verkligt v\u00e4rde, redovi- sas under \u201dNettoresultat av poster till verkligt\u201d eller, om de \u00e4r h\u00e4nf\u00f6rliga till l\u00e5nefordringar i portf\u00f6ljer d\u00e4r avsikten \u00e4r att beh\u00e5lla instrumenten till f\u00f6rfall och som det \u00e4r obligatoriskt att v\u00e4rdera till verkligt v\u00e4rde (uppfyller inte SPPI-kriteriet, dvs. att det uteslutande r\u00f6r sig om betalning av kapitalbelopp och r\u00e4nta), under posten \u201dNettoresultat av utl\u00e5ning i portf\u00f6l- jer som h\u00e5lls till f\u00f6rfall och obligatoriskt v\u00e4rderas till verkligt v\u00e4rde\u201d. F\u00f6r ytterligare information, se not K2.4 \u201dSumma net- toresultat av poster till verkligt v\u00e4rde\u201d. Ytterligare information om kreditrisk \ufb01nns i not K11 \u201dRisk- och likviditetshantering\u201d . K3.7 Utl\u00e5ning Redovisningsprinciper L\u00e5n \u00e4r \ufb01nansiella instrument med fasta eller fastst\u00e4llbara  betalningar som inte enkelt kan \u00f6verf\u00f6ras utan g\u00e4lden\u00e4rens  medgivande. L\u00e5n klassi\ufb01ceras och v\u00e4rderas i enlighet med  beskrivningen i not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d. Nedan  f\u00f6ljer Nordeas redovisningsprinciper g\u00e4llande kreditf\u00f6rluster.  Mer information om kreditrisk i utl\u00e5ningen \ufb01nns i not K11  \u201dRisk- och likviditetshantering\u201d. Finansiella instrument som klassi\ufb01cerats i kategorin \u201dUpp- lupet anskaffningsv\u00e4rde\u201d eller \u201dVerkligt v\u00e4rde via \u00f6vrigt total- resultat\u201d omfattas av pr\u00f6vning av nedskrivningsbehov till  f\u00f6ljd av kreditrisk. H\u00e4r ing\u00e5r tillg\u00e5ngar som i balansr\u00e4kningen  redovisats som \u201dUtl\u00e5ning till centralbanker\u201d, \u201dUtl\u00e5ning till kre- ditinstitut\u201d, \u201dUtl\u00e5ning till allm\u00e4nheten\u201d samt \u201dR\u00e4nteb\u00e4rande  v\u00e4rdepapper\u201d. I utl\u00e5ning till allm\u00e4nheten ing\u00e5r \ufb01nansiell lea- sing, som ocks\u00e5 omfattas av pr\u00f6vning av nedskrivningsbehov.  Bland dessa balansposter \ufb01nns \u00e4ven tillg\u00e5ngar som klassi\ufb01- cerats i kategorin \u201dVerkligt v\u00e4rde via resultatr\u00e4kningen\u201d och  som inte omfattas av n\u00e5gon pr\u00f6vning av nedskrivningsbeho- vet. Se \u00e4ven not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d. \u00c4ven \u00e5taganden utanf\u00f6r balansr\u00e4kningen, eventualf\u00f6rplik- telser och kredit\u00e5taganden ska pr\u00f6vas f\u00f6r  nedskrivningsbehov. Redovisning och presentation Tillg\u00e5ngar v\u00e4rderade till upplupet anskaffningsv\u00e4rde redovi- sas brutto, med en separat reservering f\u00f6r f\u00f6rv\u00e4ntade kredit- f\u00f6rluster om f\u00f6rlusten inte betraktas som de\ufb01nitiv. Reserverna  kvittas mot utl\u00e5ningen i balansr\u00e4kningen, men presenteras  separat i denna not. F\u00f6r\u00e4ndringar av reserveringar redovisas i  resultatr\u00e4kningen och klassi\ufb01ceras som \u201dKreditf\u00f6rluster,  netto\u201d. Om nedskrivningen anses vara de\ufb01nitiv redovisas den som  en konstaterad kreditf\u00f6rlust, och det redovisade v\u00e4rdet p\u00e5  l\u00e5net j\u00e4mte tillh\u00f6rande reservering f\u00f6r kreditf\u00f6rluster tas bort  fr\u00e5n balansr\u00e4kningen. En nedskrivning anses vara de\ufb01nitiv  n\u00e4r konkursans\u00f6kan inges mot l\u00e5ntagaren och konkursf\u00f6rval- taren har presenterat den ekonomiska utg\u00e5ngen av konkurs- f\u00f6rfarandet, eller n\u00e4r Nordea eftersk\u00e4nker sina fordringar  genom rekonstruktion p\u00e5 antingen r\u00e4ttslig eller frivillig grund  eller n\u00e4r Nordea av andra sk\u00e4l bed\u00f6mer \u00e5tervinning av for- dran som osannolik. Se \u00e4ven avsnittet \u201dAvskrivningar\u201d nedan. Avs\u00e4ttningar f\u00f6r poster utanf\u00f6r balansr\u00e4kningen klassi\ufb01ce- ras som \u201dAvs\u00e4ttningar\u201d i balansr\u00e4kningen, med f\u00f6r\u00e4ndringar i  avs\u00e4ttningar klassi\ufb01cerade som \u201dKreditf\u00f6rluster, netto\u201d. Tillg\u00e5ngar klassi\ufb01cerade som \u201dVerkligt v\u00e4rde via \u00f6vrigt  totalresultat\u201d redovisas till verkligt v\u00e4rde i balansr\u00e4kningen.  Nedskrivningar ber\u00e4knade i enlighet med IFRS 9 redovisas i  resultatr\u00e4kningen och klassi\ufb01ceras som \u201dKreditf\u00f6rluster,  netto\u201d. Eventuella justeringar till verkligt v\u00e4rde redovisas i  \u201d\u00d6vrigt totalresultat\u201d.  Pr\u00f6vning av nedskrivningsbehov  Nordea klassi\ufb01cerar alla l\u00e5nefordringar i olika kategorier p\u00e5  individuell basis. Kategori 1 inkluderar tillg\u00e5ngar utan bety- dande \u00f6kning av kreditrisken sedan f\u00f6rsta redovisningstillf\u00e4l- let, kategori 2 inkluderar tillg\u00e5ngar med betydande \u00f6kning av  kreditrisken och kategori 3 (os\u00e4kra l\u00e5nefordringar) inkluderar  fallerade tillg\u00e5ngar. Nordea f\u00f6ljer upp om det \ufb01nns indikatio- ner p\u00e5 kreditf\u00f6rs\u00e4mring (kategori 3) genom att identi\ufb01era  h\u00e4ndelser med negativ inverkan p\u00e5 ber\u00e4knade framtida kas- safl\u00f6den (f\u00f6rlusth\u00e4ndelse). Nordea till\u00e4mpar samma de\ufb01ni- tion p\u00e5 fallissemang som i kapitalt\u00e4ckningsf\u00f6rordningen. Mer  information om identi\ufb01ering av f\u00f6rlusth\u00e4ndelser \ufb01nns i not  K11 \u201dRisk- och likviditetshantering\u201d. L\u00e5nefordringar som inte  har individuellt ber\u00e4knade reserver ing\u00e5r i pr\u00f6vningen av  nedskrivningsbehovet baserat p\u00e5 statistiska modeller. F\u00f6r l\u00e5nefordringar med betydande v\u00e4rde d\u00e4r en kredith\u00e4n- delse har identi\ufb01erats, pr\u00f6vas nedskrivningsbehovet p\u00e5 indivi- duell basis. Om l\u00e5nefordringen bed\u00f6ms vara os\u00e4ker g\u00f6rs en  individuell reservering. Det redovisade v\u00e4rdet p\u00e5 l\u00e5nefordring- en j\u00e4mf\u00f6rs med den nuv\u00e4rdesber\u00e4knade summan av f\u00f6rv\u00e4n- tade framtida kassafl\u00f6den. Om det redovisade v\u00e4rdet \u00e4r h\u00f6gre  redovisas skillnaden som en nedskrivningsf\u00f6rlust. De f\u00f6rv\u00e4n- tade kassafl\u00f6dena diskonteras med den ursprungliga effektiva  r\u00e4ntan och innefattar verkligt v\u00e4rde f\u00f6r s\u00e4kerheter och andra  kreditf\u00f6rst\u00e4rkningar. Nuv\u00e4rdesber\u00e4kningen baseras p\u00e5 tre  olika fram\u00e5tblickande scenarier som \u00e4r sannolikhetsviktade. F\u00f6r l\u00e5nefordringar som inte \u00e4r betydande d\u00e4r ett individu- ellt nedskrivningsbehov har identi\ufb01erats, ber\u00e4knas nedskriv- ningsbeloppet utifr\u00e5n den modell som beskrivs nedan, men  med h\u00e4nsyn till att l\u00e5nefordringarna redan \u00e4r fallerade. Nordea anv\u00e4nder sig inte av undantaget \u201dl\u00e5g kreditrisk\u201d i  bankverksamheten, men d\u00e4remot f\u00f6r en mindre portf\u00f6lj av  r\u00e4nteb\u00e4rande v\u00e4rdepapper i f\u00f6rs\u00e4kringsr\u00f6relsen.  Pr\u00f6vning av nedskrivningsbehov f\u00f6r l\u00e5n  v\u00e4rderade enligt statistiska modeller F\u00f6r l\u00e5nefordringar d\u00e4r inget nedskrivningsbehov identi\ufb01era- des i den individuella pr\u00f6vningen anv\u00e4nds en kollektiv modell  f\u00f6r ber\u00e4kning av nedskrivningsbehov. Reserveringarna ber\u00e4k- nas som l\u00e5nefordring vid fallissemang g\u00e5nger sannolikheten  f\u00f6r fallissemang g\u00e5nger f\u00f6rlusten i h\u00e4ndelse av fallissemang.  F\u00f6r tillg\u00e5ngar i kategori 1 baseras ber\u00e4kningen endast p\u00e5 de  kommande 12 m\u00e5naderna, medan den f\u00f6r tillg\u00e5ngar i kate- gori 2 och 3 baseras p\u00e5 tillg\u00e5ngens f\u00f6rv\u00e4ntade l\u00f6ptid. Reserveringar f\u00f6r l\u00e5nefordringar d\u00e4r det inte skett n\u00e5gon  betydande \u00f6kning av kreditrisken sedan f\u00f6rsta redovisnings- tillf\u00e4llet baseras p\u00e5 f\u00f6rv\u00e4ntade kreditf\u00f6rluster under kom- mande 12 m\u00e5nader (kategori 1). Reserveringar f\u00f6r l\u00e5neford- ringar d\u00e4r det har skett en betydande \u00f6kning av kreditrisken  sedan f\u00f6rsta redovisningstillf\u00e4llet, men d\u00e4r ingen nedskriv- ning har gjorts, baseras p\u00e5 f\u00f6rv\u00e4ntade kreditf\u00f6rluster under  hela den \u00e5terst\u00e5ende l\u00f6ptiden (kategori 2). Detta g\u00e4ller \u00e4ven  f\u00f6r os\u00e4kra fordringar som inte \u00e4r betydande i kategori 3. Nordea anv\u00e4nder tv\u00e5 olika modeller f\u00f6r att fastst\u00e4lla om det  har skett en betydande \u00f6kning av kreditrisken eller inte. F\u00f6r  tillg\u00e5ngar som innehades vid \u00f6verg\u00e5ngen till IFRS 9 den  1 januari 2018 anv\u00e4nds f\u00f6r\u00e4ndringen i interna rating- och sco- ringuppgifter f\u00f6r att fastst\u00e4lla om det skett en betydande  \u00f6kning av kreditrisken eller inte. Interna rating-/scoringuppgif- ter anv\u00e4nds f\u00f6r att bed\u00f6ma risken hos kunderna, och en f\u00f6r- s\u00e4mrad rating/scoring f\u00f6r en kund tyder p\u00e5 att kreditrisken har  \u00f6kat. Nordea har dragit slutsatsen att det inte \u00e4r m\u00f6jligt att vid  kreditgivningen ber\u00e4kna sannolikheten f\u00f6r fallissemang (PD)  f\u00f6r den \u00e5terst\u00e5ende l\u00f6ptiden utan bed\u00f6mningar i efterhand av  tillg\u00e5ngar som redan redovisas i balansr\u00e4kningen vid \u00f6ver- g\u00e5ngen. F\u00f6r\u00e4ndringar i PD f\u00f6r den \u00e5terst\u00e5ende l\u00f6ptiden  anv\u00e4nds som utl\u00f6sande faktor f\u00f6r tillg\u00e5ngar redovisade efter  \u00f6verg\u00e5ngen . F\u00f6r tillg\u00e5ngar som bed\u00f6ms utifr\u00e5n PD f\u00f6r den \u00e5terst\u00e5ende  l\u00f6ptiden anv\u00e4nder Nordea en blandning av absoluta och rela- tiva f\u00f6r\u00e4ndringar i PD som kriterium f\u00f6r \u00f6verf\u00f6ringen.  \u2022  Retail-kunder med ett ursprungligt tolvm\u00e5naders PD under  1 procent: L\u00e5nefordringar med en relativ \u00f6kning i PD f\u00f6r den  \u00e5terst\u00e5ende l\u00f6ptiden p\u00e5 \u00f6ver 100 procent och en absolut  \u00f6kning av tolvm\u00e5naders PD p\u00e5 \u00f6ver 45 punkter \u00f6verf\u00f6rs till  kategori 2.  \u2022  Retail-kunder med ett ursprungligt tolvm\u00e5naders PD \u00f6ver  eller lika med 1 procent: L\u00e5nefordringar med en relativ  \u00f6kning i PD f\u00f6r den \u00e5terst\u00e5ende l\u00f6ptiden p\u00e5 \u00f6ver 100 pro- cent eller en absolut \u00f6kning av tolvm\u00e5naders PD p\u00e5 \u00f6ver  300 punkter \u00f6verf\u00f6rs till kategori 2.  \u2022  F\u00f6retags- och institutionella kunder med ett ursprungligt  tolvm\u00e5naders PD under 0,5 procent: L\u00e5nefordringar med en  relativ \u00f6kning i PD f\u00f6r den \u00e5terst\u00e5ende l\u00f6ptiden p\u00e5 \u00f6ver  150 procent och en absolut \u00f6kning av tolvm\u00e5naders PD p\u00e5  \u00f6ver 20 punkter \u00f6verf\u00f6rs till kategori 2.  \u2022  F\u00f6retags- och institutionella kunder med ett ursprungligt  tolvm\u00e5naders PD p\u00e5 \u00f6ver eller lika med 0,5 procent: L\u00e5nefor- dringar med en relativ \u00f6kning i PD f\u00f6r den \u00e5terst\u00e5ende l\u00f6p- tiden p\u00e5 \u00f6ver 150 procent eller en absolut \u00f6kning av  tolvm\u00e5naders PD p\u00e5 \u00f6ver 400 punkter \u00f6verf\u00f6rs till kategori 2. F\u00f6r tillg\u00e5ngar d\u00e4r rating- och scoringmodeller anv\u00e4nds, kali- breras rating-/scoringf\u00f6r\u00e4ndringen f\u00f6r att matcha den bety- dande \u00f6kningen av kreditrisken utifr\u00e5n PD f\u00f6r den \u00e5terst\u00e5- ende l\u00f6ptiden. Dessutom \u00f6verf\u00f6rs kunder som omfattas av  f\u00f6rmildrande kreditvillkor och kunder som \u00e4r mer \u00e4n 30 dagar  sena med sina betalningar till kategori 2, s\u00e5vida inte ett ned- skrivningsbehov redan har identi\ufb01erats (kategori 3). L\u00e5ne- fordringar som omfattas av f\u00f6rmildrande kreditvillkor kvar- st\u00e5r i kategori 2 under en pr\u00f6votid p\u00e5 24 m\u00e5nader, fr\u00e5n och  med den tidpunkt d\u00e5 \u00e5tg\u00e4rderna inf\u00f6rdes. N\u00e4r l\u00e5nefordring- arna efter pr\u00f6votidens slut \u00e5terf\u00f6rs till kategori 1 hanteras de  p\u00e5 samma s\u00e4tt som andra l\u00e5nefordringar i kategori 1 i fr\u00e5ga  om bed\u00f6mningen av om det f\u00f6religger en v\u00e4sentlig \u00f6kning av  kreditrisken. L\u00e5nefordringar d\u00e4r kunderna \u00e4r mer \u00e4n 90 dagar  sena med sina betalningar klassi\ufb01ceras normalt i kategori 3,  men denna klassi\ufb01cering \u00e4ndras om det \ufb01nns bevis f\u00f6r att  kunden inte har fallerat. S\u00e5dana l\u00e5nefordringar klassi\ufb01ceras i  kategori 2. L\u00e5nefordringar med \u201dh\u00f6g risk\u201d, det vill s\u00e4ga med  en rating p\u00e5 2 eller l\u00e4gre, \u00f6verf\u00f6rs ocks\u00e5 till kategori 2.  Vid ber\u00e4kningen av reserveringar, inklusive kategoriindel- ningen, anv\u00e4nds b\u00e5de historisk information och sannolikhets- viktad, fram\u00e5tblickande information. Nordea anv\u00e4nder tre  makroekonomiska scenarier f\u00f6r att ta h\u00e4nsyn till de icke-linj\u00e4- ra aspekterna av f\u00f6rv\u00e4ntade kreditf\u00f6rluster. De olika scenari- erna anv\u00e4nds f\u00f6r att justera de aktuella parametrarna f\u00f6r  ber\u00e4kning av f\u00f6rv\u00e4ntade kreditf\u00f6rluster, och ett sannolikhets- viktat genomsnitt av de f\u00f6rv\u00e4ntade f\u00f6rlusterna enligt respek- tive scenario redovisas som reserveringar. Modellen anv\u00e4nder  sig av data som samlats in f\u00f6re balansdagen, vilket inneb\u00e4r  att Nordea m\u00e5ste identi\ufb01era h\u00e4ndelser som skulle kunna  p\u00e5verka reserveringarna efter datainsamlingen. Ledningen  utv\u00e4rderar dessa h\u00e4ndelser och justerar reserveringarna, om  detta bed\u00f6ms n\u00f6dv\u00e4ndigt. Bortskrivningar Bortskrivningar inneb\u00e4r att l\u00e5n eller kundfordringar avf\u00f6rs  fr\u00e5n balansr\u00e4kningen samtidigt som motsvarande kreditf\u00f6r- lustreservering realiseras. N\u00e4r fordringar bed\u00f6ms vara om\u00f6j- liga att driva in ska de snarast m\u00f6jligt bortskrivas, oavsett om  det r\u00e4ttsliga anspr\u00e5ket kvarst\u00e5r eller inte. En bortskrivning  kan g\u00f6ras innan eventuella r\u00e4ttsliga \u00e5tg\u00e4rder mot l\u00e5ntagaren, f\u00f6r att \u00e5tervinna skulden, har slutf\u00f6rts. \u00c4ven om en fordran  som inte kan drivas in bortskrivs eller avf\u00f6rs fr\u00e5n balansr\u00e4k- ningen har kunden en r\u00e4ttslig skyldighet att betala den ute- st\u00e5ende skulden. Vid bed\u00f6mningen av huruvida os\u00e4kra l\u00e5ne- fordringar kan \u00e5tervinnas och om bortskrivning kr\u00e4vs, \u00e4r det  framf\u00f6r allt l\u00e5nefordringar med f\u00f6ljande egenskaper som st\u00e5r  i fokus (listan \u00e4r inte utt\u00f6mmande): \u2022  L\u00e5nefordringar d\u00e4r kunderna \u00e4r mer \u00e4n 90 dagar sena med  betalningen. Om en l\u00e5nefordring, eller del av den, efter den  h\u00e4r bed\u00f6mningen anses vara om\u00f6jlig att driva in, bortskrivs  den. \u2022  L\u00e5nefordringar som omfattas av insolvensf\u00f6rfarande och  har l\u00e5g s\u00e4kerhetst\u00e4ckning. \u2022  L\u00e5nefordringar d\u00e4r juridiska kostnader f\u00f6rv\u00e4ntas f\u00f6rbruka  beh\u00e5llningen fr\u00e5n konkursf\u00f6rfarandet, med l\u00e5ga \u00e5tervin- ningsv\u00e4rden som f\u00f6ljd. \u2022  Delbortskrivning kan vara befogad n\u00e4r det \ufb01nns rimliga  ekonomiska bel\u00e4gg f\u00f6r att l\u00e5ntagaren inte kan \u00e5terbetala  hela beloppet, det vill s\u00e4ga en avsev\u00e4rd del av skulden kan  inte p\u00e5 rimliga grunder s\u00e4gas vara \u00e5tervinningsbar genom  f\u00f6rmildrande kreditvillkor eller realisering av s\u00e4kerheter. \u2022  Rekonstruktionsfall. Diskonteringsr\u00e4nta Diskonteringsr\u00e4ntan som anv\u00e4nds f\u00f6r v\u00e4rdering av os\u00e4kra  l\u00e5nefordringar motsvarar den ursprungliga effektiva r\u00e4ntan  f\u00f6r l\u00e5n h\u00e4nf\u00f6rliga till en enskild kund eller, i f\u00f6rekommande  fall, till en grupp av l\u00e5nefordringar. Om s\u00e5 anses l\u00e4mpligt kan  diskonteringsr\u00e4ntan ber\u00e4knas med en metod som resulterar i  en nedskrivning som utg\u00f6r en rimlig uppskattning av vad en  ber\u00e4kning grundad p\u00e5 effektivr\u00e4ntemetoden skulle ge. Omstrukturerade l\u00e5nefordringar och modi\ufb01eringar Med en omstrukturerad l\u00e5nefordran avses i detta samman- hang en l\u00e5nefordran d\u00e4r Nordea har beviljat l\u00e5ntagaren efter- gifter till f\u00f6ljd av dennes ekonomiska sv\u00e5righeter och d\u00e4r  s\u00e5dana eftergifter har gett upphov till en kreditf\u00f6rlust f\u00f6r  Nordea. Efter en omstrukturering betraktas l\u00e5nefordran vanli- gen inte l\u00e4ngre som os\u00e4ker om \u00e5tagandena fullf\u00f6ljs i enlighet  med de nya villkoren. I det fall en \u00e5tervinning sker redovisas  betalningen som en \u00e5tervinning av kreditf\u00f6rluster.  Modi\ufb01ering av de avtalsenliga kassafl\u00f6dena f\u00f6r l\u00e5n till kunder  med ekonomiska sv\u00e5righeter (f\u00f6rmildrande kreditvillkor) mins- kar det redovisade l\u00e5nebeloppet, brutto. Normalt \u00e4r denna  minskning mindre \u00e4n den be\ufb01ntliga reserveringen, och ingen  f\u00f6rlust redovisas i resultatr\u00e4kningen till f\u00f6ljd av modi\ufb01ering. Om  de \u00e4r betydande, minskas bruttobeloppen (l\u00e5n och reservering).  Tillg\u00e5ngar \u00f6vertagna f\u00f6r skyddande av fordran I en \ufb01nansiell omstrukturering kan l\u00e5ngivaren komma att  avst\u00e5 fr\u00e5n l\u00e5nefordringar till f\u00f6rm\u00e5n f\u00f6r l\u00e5ntagaren och i utby- te mot denna eftergift ta \u00f6ver tillg\u00e5ngar som l\u00e4mnats som  s\u00e4kerhet f\u00f6r l\u00e5nen, aktier som emitterats av l\u00e5ntagaren eller  andra tillg\u00e5ngar. En tillg\u00e5ng \u00f6vertagen f\u00f6r skyddande av for- dran redovisas i balansr\u00e4kningen tillsammans med liknande  tillg\u00e5ngar som redan innehas av Nordea. En \u00f6vertagen fastig- het som inte innehas f\u00f6r eget utnyttjande redovisas till exem- pel tillsammans med andra f\u00f6rvaltningsfastigheter. Alla tillg\u00e5ngar som \u00f6vertagits f\u00f6r skyddande av fordran  redovisas vid f\u00f6rsta redovisningstillf\u00e4llet till verkligt v\u00e4rde och  eventuell skillnad mellan l\u00e5nets redovisade v\u00e4rde och det  verkliga v\u00e4rdet p\u00e5 den \u00f6vertagna tillg\u00e5ngen redovisas under  posten \u201dKreditf\u00f6rluster, netto\u201d. Det verkliga v\u00e4rdet p\u00e5 redovis- ningsdagen blir tillg\u00e5ngens anskaffningsv\u00e4rde eller upplupna  anskaffningsv\u00e4rde, beroende p\u00e5 vad som \u00e4r till\u00e4mpligt. Under efterf\u00f6ljande perioder v\u00e4rderas tillg\u00e5ngar som \u00f6vertagits f\u00f6r skyddande av fordran i enlighet med g\u00e4llande v\u00e4rderings- principer f\u00f6r tillg\u00e5ngsslaget. F\u00f6rvaltningsfastigheter v\u00e4rderas d\u00e5 till verkligt v\u00e4rde. \u00d6vertagna \ufb01nansiella tillg\u00e5ngar klassi\ufb01- ceras generellt i kategorin \u201dVerkligt v\u00e4rde via resultatr\u00e4kning- en\u201d och v\u00e4rderas till verkligt v\u00e4rde. F\u00f6r\u00e4ndringar i verkligt v\u00e4rde redovisas i resultatr\u00e4kningen under posten \u201dNettoresul- tat av poster till verkligt v\u00e4rde\u201d. Eventuella v\u00e4rdef\u00f6r\u00e4ndringar efter den \u00f6vertagna tillg\u00e5ng- ens f\u00f6rsta redovisningstillf\u00e4lle, redovisas i resultatr\u00e4kningen i enlighet med koncernens principer f\u00f6r presentation av till- g\u00e5ngsslaget. Posten \u201dKreditf\u00f6rluster, netto\u201d i resultatr\u00e4kning- en p\u00e5verkas f\u00f6ljaktligen inte av nya v\u00e4rderingar av den \u00f6ver- tagna tillg\u00e5ngen efter f\u00f6rsta redovisningstillf\u00e4llet. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-589": {
   "value": "K2.8   Av- och nedskrivningar av materiella och immateriella tillg\u00e5ngar Redovisningsprinciper Materiella och immateriella tillg\u00e5ngar skrivs av linj\u00e4rt \u00f6ver den ber\u00e4knade nyttjandeperioden. En immateriell tillg\u00e5ng med obest\u00e4mbar nyttjandeperiod (goodwill) ska inte skrivas av, men \u00e5rligen pr\u00f6vas f\u00f6r eventuellt nedskrivningsbehov. Alla immateriella tillg\u00e5ngar med begr\u00e4nsad nyttjandepe- riod, inklusive IT-utvecklingsprojekt som har tagits i bruk, pr\u00f6- vas med avseende p\u00e5 indikationer p\u00e5 nedskrivningsbehov. Nedskrivningskostnaden ber\u00e4knas som skillnaden mellan redovisat v\u00e4rde och \u00e5tervinningsv\u00e4rde. Redovisningsprinciper f\u00f6r immateriella och materiella till- g\u00e5ngar, liksom till\u00e4mpade kritiska bed\u00f6mningar, \ufb01nns i not K5 \u201dImmateriella och materiella tillg\u00e5ngar\u201d. Mn euro 2022 2021 Avskrivningar Materiella tillg\u00e5ngar  -215 -244 Immateriella tillg\u00e5ngar  -371 -361 Summa -586 -605 Nedskrivningar, netto Materiella tillg\u00e5ngar 1 -19 Immateriella tillg\u00e5ngar  -26 -40 Summa -25 -59 Summa -611 -664 ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepreciationAndAmortisationExpenseExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-590": {
   "value": "K2.8   Av- och nedskrivningar av materiella och immateriella tillg\u00e5ngar Redovisningsprinciper Materiella och immateriella tillg\u00e5ngar skrivs av linj\u00e4rt \u00f6ver den ber\u00e4knade nyttjandeperioden. En immateriell tillg\u00e5ng med obest\u00e4mbar nyttjandeperiod (goodwill) ska inte skrivas av, men \u00e5rligen pr\u00f6vas f\u00f6r eventuellt nedskrivningsbehov. Alla immateriella tillg\u00e5ngar med begr\u00e4nsad nyttjandepe- riod, inklusive IT-utvecklingsprojekt som har tagits i bruk, pr\u00f6- vas med avseende p\u00e5 indikationer p\u00e5 nedskrivningsbehov. Nedskrivningskostnaden ber\u00e4knas som skillnaden mellan redovisat v\u00e4rde och \u00e5tervinningsv\u00e4rde. Redovisningsprinciper f\u00f6r immateriella och materiella till- g\u00e5ngar, liksom till\u00e4mpade kritiska bed\u00f6mningar, \ufb01nns i not K5 \u201dImmateriella och materiella tillg\u00e5ngar\u201d. K5.2  Materiella tillg\u00e5ngar Redovisningsprinciper Posten \u201dMateriella tillg\u00e5ngar\u201d innefattar fastigheter f\u00f6r egen  anv\u00e4ndning, f\u00f6rb\u00e4ttringsutgifter p\u00e5 annans fastighet, IT-utrust- ning, m\u00f6bler och annan utrustning. \u00c4ven nyttjander\u00e4tter enligt  leasingavtal ing\u00e5r h\u00e4r (f\u00f6r mer information se not K5.4 \u201dLea- sing\u201d). Materiella tillg\u00e5ngar redovisas till anskaffningsv\u00e4rde  minskat med ackumulerade av- och nedskrivningar. Anskaff- ningsv\u00e4rdet f\u00f6r en materiell tillg\u00e5ng utg\u00f6rs av dess ink\u00f6pspris  samt eventuella kostnader direkt h\u00e4nf\u00f6rliga till att s\u00e4tta till- g\u00e5ngen i brukbart skick f\u00f6r avsedd anv\u00e4ndning. Delar av en  materiell tillg\u00e5ng redovisas som separata poster om de har  olika nyttjandeperiod. F\u00f6rb\u00e4ttringsutgifter redovisas som tillg\u00e5ngar om de inneb\u00e4r  en f\u00f6rb\u00e4ttrad funktion hos tillg\u00e5ngen, medan utgifter f\u00f6r  underh\u00e5ll inte f\u00f6rb\u00e4ttrar tillg\u00e5ngens funktion och d\u00e4rmed kost- nadsf\u00f6rs l\u00f6pande. Materiella tillg\u00e5ngar skrivs av linj\u00e4rt \u00f6ver den ber\u00e4knade  nyttjandeperioden enligt nedan. Den ber\u00e4knade nyttjandepe- rioden f\u00f6r olika materiella tillg\u00e5ngar uppdateras \u00e5rligen. Byggnader  30\u201375 \u00e5r Inventarier  3\u20135 \u00e5r F\u00f6rb\u00e4ttrings  -  utgifter  p\u00e5   annans fastighet    F\u00f6r f\u00f6r\u00e4ndringar inom byggnader, det kor- tare av 10 \u00e5r och \u00e5terst\u00e5ende hyresperiod.  F\u00f6r nybyggnation, det kortare av redovis- ningsprinciperna f\u00f6r \u00e4gda byggnader och  \u00e5terst\u00e5ende hyresperiod. F\u00f6r fast inredning i  hyrda fastigheter g\u00e4ller det kortare av  10\u201320 \u00e5r och \u00e5terst\u00e5ende hyresperiod . Varje balansdag pr\u00f6var Nordea om det \ufb01nns indikationer p\u00e5  nedskrivningsbehov f\u00f6r en materiell tillg\u00e5ng. Om s\u00e5dana indi- kationer \ufb01nns g\u00f6rs en bed\u00f6mning av tillg\u00e5ngens \u00e5tervin- ningsv\u00e4rde och eventuell nedskrivning g\u00f6rs. Nedskrivningar \u00e5terf\u00f6rs om \u00e5tervinningsv\u00e4rdet \u00f6kar. Det  redovisade v\u00e4rdet \u00f6kas d\u00e5 till \u00e5tervinningsv\u00e4rdet, men kan  inte \u00f6verstiga vad det redovisade v\u00e4rdet varit om en nedskriv- ning inte redovisats i f\u00f6rsta l\u00e4get. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDepreciationExpenseExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-591": {
   "value": "K2.10 Skatter Redovisningsprinciper Posten \u201dSkatt\u201d i resultatr\u00e4kningen utg\u00f6rs av den totala f\u00f6r- \u00e4ndringen i aktuell och uppskjuten inkomstskatt. Aktuell och uppskjuten skatt redovisas i resultatr\u00e4kningen, s\u00e5vida den inte avser poster som redovisas mot \u00f6vrigt totalresultat eller eget kapital. I dessa fall redovisas \u00e4ven skatten mot \u00f6vrigt totalresultat respektive eget kapital. Aktuell skatt \u00e4r den f\u00f6rv\u00e4ntade skatten p\u00e5 \u00e5rets beskatt- ningsbara inkomst, ber\u00e4knad enligt beslutade eller i prakti- ken beslutade skattesatser per balansdagen, tillsammans med eventuell justering av aktuell skatt h\u00e4nf\u00f6rlig till tidigare \u00e5r. Uppskjutna skattefordringar och skatteskulder redovisas f\u00f6r tempor\u00e4ra skillnader som uppst\u00e5r mellan skattem\u00e4ssiga och redovisade v\u00e4rden p\u00e5 tillg\u00e5ngar och skulder. Uppskjutna skattefordringar redovisas f\u00f6r outnyttjade skattem\u00e4ssiga underskott och skatteavdrag, om de uppfyller de aktuella kri- terierna f\u00f6r redovisning enligt IAS 12. Uppskjuten skatt redo- visas inte f\u00f6r tempor\u00e4ra skillnader som uppst\u00e5r vid f\u00f6rsta redovisningen av tillg\u00e5ngar eller skulder i en transaktion som inte \u00e4r ett f\u00f6retagsf\u00f6rv\u00e4rv och varken p\u00e5verkar redovisat eller beskattningsbart resultat. Uppskjuten skatt redovisas inte heller f\u00f6r skillnader h\u00e4nf\u00f6rliga till aktier och andelar i kon- cernf\u00f6retag, intressef\u00f6retag och joint ventures, i den m\u00e5n det \u00e4r sannolikt att en reglering eller realisering inte kommer att ske inom \u00f6versk\u00e5dlig tid. Inte heller redovisas uppskjuten skatt f\u00f6r skattepliktiga tempor\u00e4ra skillnader som h\u00e4rr\u00f6r fr\u00e5n den f\u00f6rsta redovisningen av goodwill. Uppskjuten skatt ber\u00e4knas enligt de skattesatser som v\u00e4n- tas g\u00e4lla n\u00e4r de tempor\u00e4ra skillnaderna v\u00e4nds, med utg\u00e5ngs- punkt fr\u00e5n antagna eller i praktiken antagna lagar per balans- dagen. Uppskjutna skattefordringar och skatteskulder diskon- teras inte. Uppskjutna skattefordringar redovisas endast i den utstr\u00e4ckning det \u00e4r sannolikt att framtida beskattningsbar vinst kommer att \ufb01nnas tillg\u00e4nglig, mot vilken tempor\u00e4ra skillnader, underskottsavdrag och outnyttjade skatteavdrag kan utnyttjas. Uppskjutna skattefordringar granskas varje balansdag, och minskas i den m\u00e5n det inte l\u00e4ngre \u00e4r sannolikt att avdragsr\u00e4tten kan utnyttjas. Aktuella skattefordringar och aktuella skatteskulder kvittas n\u00e4r lagstadgad r\u00e4tt till kvittning f\u00f6religger, och Nordea avser att antingen nettoreglera dessa skattepositioner eller reali- sera tillg\u00e5ngen samtidigt som skulden regleras. Uppskjutna skattefordringar och uppskjutna skatteskulder kvittas gene- rellt i den m\u00e5n det \u00e4r till\u00e5tet enligt lag att kvitta aktuella skat- tefordringar och aktuella skatteskulder . Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar Skattepositioner granskas regelbundet f\u00f6r att identi\ufb01era fall d\u00e4r ber\u00f6rda skattemyndigheter sannolikt inte godk\u00e4nner behandlingen i skattedeklarationen. Os\u00e4kra skattepositioner beaktas var f\u00f6r sig eller som grupp, beroende p\u00e5 vilken metod som b\u00e4st f\u00f6rutser utfallet av os\u00e4kerheten. Vid en bed\u00f6mning att skattemyndigheten sannolikt inte godtar en skattem\u00e4ssig behandling, tar Nordea h\u00e4nsyn till effekten av os\u00e4kerheten n\u00e4r beskattningsbart resultat, skattem\u00e4ssigt v\u00e4rde, outnyttjade skattem\u00e4ssiga f\u00f6rluster, outnyttjade skat- tekrediter eller skattesatser fastst\u00e4lls. Detta g\u00f6rs genom att anv\u00e4nda antingen det mest sannolika beloppet eller det f\u00f6r- v\u00e4ntade v\u00e4rdet, beroende p\u00e5 vilken metod som b\u00e4st f\u00f6rutser utfallet av os\u00e4kerheten. Os\u00e4ker skattem\u00e4ssig behandling kan p\u00e5verka b\u00e5de aktuell skatt och uppskjuten skatt. V\u00e4rderingen av uppskjutna skattefordringar p\u00e5verkas av ledningens bed\u00f6mning av Nordeas framtida resultat och till- r\u00e4ckligheten av framtida beskattningsbara vinster och fram- tida \u00e5terf\u00f6ringar av be\ufb01ntliga beskattningsbara tempor\u00e4ra skillnader. Dessa bed\u00f6mningar uppdateras och ses \u00f6ver vid varje bokslutstillf\u00e4lle, och justeras om s\u00e5 beh\u00f6vs f\u00f6r att avspegla den nuvarande situationen. Det redovisade v\u00e4rdet p\u00e5 uppskjutna skattefordringar upp- gick vid \u00e5rets slut till 165 mn euro (218 mn euro). Skattekostnad Mn euro 2022 2021 Aktuell skatt -987 -824 Uppskjuten skatt  -186 -281 Summa  -1 173 -1 105 F\u00f6r total skatt redovisad i \u00f6vrigt totalresultat, se Rapport \u00f6ver totalresultat. Skatten p\u00e5 koncernens r\u00f6relseresultat skiljer sig p\u00e5 f\u00f6ljan- de s\u00e4tt fr\u00e5n det teoretiska belopp som kan ber\u00e4knas med hj\u00e4lp av skattesatsen i Finland: Mn euro 2022 2021 Resultat f\u00f6re skatt 4 768 4 936 Skatt ber\u00e4knad med en skattesats om 20,0 procent  -954 -987 Effekt av andra skattesatser i \u00f6vriga l\u00e4nder -133 -97 Resultat fr\u00e5n intressef\u00f6retag 1 -7 Ej skattepliktiga int\u00e4kter 43 27 Avkastningsbeskattad inkomst 18 18 Ej skattem\u00e4ssigt avdragsgilla kostnader -20 -45 Justeringar avseende tidigare \u00e5r, aktuell skatt -25 90 Justeringar avseende tidigare \u00e5r, uppskjuten skatt  33 -78 Utnyttjande och etablering av oaktiverade skattefordringar 0 2 \u00c4ndrad skattesats1 -26 0 Ej avr\u00e4kningsbar utl\u00e4ndsk k\u00e4llskatt -23 -28 Skattereduktion maskiner och inventarier 19 \u2013 Omf\u00f6rda ej avdragsgilla valutakursf\u00f6rluster2 -106 \u2013 Skattekostnad -1 173 -1 105 Effektiv skattesats 24,6 % 22,4 % 1)  I juni 2022 antog den danska riksdagen en skattesatsh\u00f6jning f\u00f6r \ufb01nansiella f\u00f6retag till 25,2 procent fr\u00e5n 2023 och 26 procent fr\u00e5n 2024. Relevanta uppskjutna skattefordringar och skatteskulder omv\u00e4rderades till till\u00e4mpliga skattesatser under 2022. 2)  Inkluderar omf\u00f6ring av 529 mn euro i ej avdragsgilla valutakursf\u00f6rluster fr\u00e5n \u00f6vrigt totalresultat till resultatr\u00e4kningen h\u00e4nf\u00f6rliga till avveckling av verksamheten i Ryssland. Se not K2.4 \u201dSumma nettoresultat av poster till verkligt v\u00e4rde\u201d. F\u00f6r\u00e4ndringar i uppskjutna skattefordringar och skatteskulder Mn euro 1 jan 2022 Redovisat  i resultat- r\u00e4kningen Redovisat  i \u00f6vrigt  totalresultat F\u00f6rv\u00e4rv Valutakurs- differenser 31 dec 2022 Uppskjutna skattefordringar Skattem\u00e4ssiga underskott 8 \u2013 \u2013 \u2013 \u2013 8 Immateriella tillg\u00e5ngar \u2013 \u2013 \u2013 8 \u2013 8 Utl\u00e5ning till allm\u00e4nheten 77 22 -1 \u2013 \u2013 98 Derivatinstrument/obligationer 98 -100 5 \u2013 -3 0 Pensioner 94 -20 -1 \u2013 -2 71 Skulder/avs\u00e4ttningar 98 -37 \u2013 43 -1 103 Avr\u00e4kningsbar utl\u00e4ndsk skatt 0 \u2013 \u2013 \u2013 \u2013 0 \u00d6vrigt 38 -28 \u2013 40 -1 49 Kvittning av uppskjutna skattefordringar och skulder -195 20 2 \u2013 1 -172 Summa 218 -143 5 91 -6 165 Mn euro 1 jan 2022 Redovisat  i resultat- r\u00e4kningen Redovisat  i \u00f6vrigt totalresultat F\u00f6rv\u00e4rv Valutakurs- differenser 31 dec 2022 Uppskjutna skatteskulder Utl\u00e5ning till allm\u00e4nheten 407 -14 -36 1 -7 351 Aktier 38 -36 \u2013 \u2013 \u2013 2 Derivatinstrument/obligationer 15 59 \u2013 \u2013 -2 72 Immateriella tillg\u00e5ngar 120 -16 \u2013 10 -1 113 Materiella tillg\u00e5ngar 11 -1 \u2013 \u2013 \u2013 10 F\u00f6rvaltningsfastigheter 2 2 \u2013 51 -1 54 Pensioner 56 17 -8 \u2013 -2 63 Skulder/avs\u00e4ttningar 1 21 \u2013 \u2013 \u2013 22 \u00d6vrigt 21 \u2013 2 \u2013 \u2013 23 Elimineringar av tempor\u00e4ra skillnader som f\u00f6rekommer i flera jurisdiktioner 59 -9 34 \u2013 \u2013 84 Kvittning av uppskjutna skattefordringar och skulder -195 20 2 \u2013 1 -172 Summa 535 43 -6 62 -12 622 Mn euro 1 jan 2021 Redovisat  i resultat- r\u00e4kningen Redovisat  i \u00f6vrigt  totalresultat Valutakurs- differenser \u00d6vriga  f\u00f6r\u00e4ndringar 31 dec 2021 Uppskjutna skattefordringar Skattem\u00e4ssiga underskott 123 -114 \u2013 1 -2 8 Utl\u00e5ning till allm\u00e4nheten 76 17 -17 \u2013 1 77 Derivatinstrument/obligationer 129 -40 3 6 \u2013 98 Pensioner 94 -6 4 2 \u2013 94 Skulder/avs\u00e4ttningar 154 -57 \u2013 1 \u2013 98 Avr\u00e4kningsbar utl\u00e4ndsk skatt 249 -249 \u2013 \u2013 \u2013 0 \u00d6vrigt 23 10 \u2013 \u2013 5 38 Kvittning av uppskjutna skattefordringar och skulder -442 258 -11 \u2013 \u2013 -195 Summa 406 -181 -21 10 4 218 Mn euro 1 jan 2021 Redovisat  i resultat- r\u00e4kningen Redovisat  i \u00f6vrigt totalresultat Valutakurs- differenser \u00d6vriga  f\u00f6r\u00e4ndringar 31 dec 2021 Uppskjutna skatteskulder Utl\u00e5ning till allm\u00e4nheten 399 2 5 \u2013 1 407 Aktier 54 -15 \u2013 \u2013 -1 38 Derivatinstrument/obligationer 11 3 \u2013 1 \u2013 15 Immateriella tillg\u00e5ngar 77 42 \u2013 1 \u2013 120 Materiella tillg\u00e5ngar \u2013 11 \u2013 \u2013 \u2013 11 F\u00f6rvaltningsfastigheter 11 -3 \u2013 \u2013 -6 2 Pensioner 41 5 8 2 \u2013 56 Skulder/avs\u00e4ttningar 0 1 \u2013 \u2013 \u2013 1 \u00d6vrigt 18 -1 \u2013 \u2013 4 21 Elimineringar av tempor\u00e4ra skillnader som f\u00f6rekommer i flera jurisdiktioner 267 -203 -4 -1 \u2013 59 Kvittning av uppskjutna skattefordringar och skulder -442 258 -11 \u2013 \u2013 -195 Summa 436 100 -2 3 -2 535 Ej redovisade uppskjutna skattefordringar Mn euro 31 dec 2022 31 dec 2021 Outnyttjade skattem\u00e4ssiga underskott utan f\u00f6rfallotidpunkt 40 40 Outnyttjade skattem\u00e4ssiga underskott  40 40 Outnyttjade skattem\u00e4ssiga avdrag med f\u00f6rfall inom 12 m\u00e5nader 3 4 Outnyttjade skattem\u00e4ssiga avdrag med f\u00f6rfall efter 12 m\u00e5nader 424 556 Outnyttjade skattem\u00e4ssiga avdrag  427 560 Summa 467 600 Vid utg\u00e5ngen av 2022 redovisade Nordeakoncernen 165 mn euro (218 mn euro) i uppskjutna skattefordringar i balansr\u00e4k- ningen. Redovisningen och v\u00e4rderingen av uppskjutna skat- tefordringar baseras p\u00e5 en bed\u00f6mning av sannolikheten och beloppet f\u00f6r framtida beskattningsbara vinster och p\u00e5 fram- tida \u00e5terf\u00f6ringar av be\ufb01ntliga beskattningsbara tempor\u00e4ra skillnader. Dessutom har koncernen ej redovisade uppskjutna skatte- fordringar p\u00e5 40 mn euro (40 mn euro) avseende under- skottsavdrag i olika f\u00f6retag samt 427 mn euro (560 mn euro) avseende outnyttjade utl\u00e4ndska skattekrediter. Ej redovisade uppskjutna skattefordringar avseende skattem\u00e4ssiga f\u00f6rlus- ter kan \u00e5tervinnas om extraordin\u00e4ra beskattningsbara inkom- ster skulle uppst\u00e5 i de ber\u00f6rda f\u00f6retagen. Ej redovisade upp- skjutna skattefordringar avseende utl\u00e4ndska skattekrediter kan \u00e5tervinnas i h\u00e4ndelse av ov\u00e4ntade skillnader i beskatt- ningstidpunkter eller skattem\u00e4ssiga v\u00e4rden mellan huvud- kontor och \ufb01lialer. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTaxReceivablesAndPayablesExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-592": {
   "value": "K2.10 Skatter Redovisningsprinciper Posten \u201dSkatt\u201d i resultatr\u00e4kningen utg\u00f6rs av den totala f\u00f6r- \u00e4ndringen i aktuell och uppskjuten inkomstskatt. Aktuell och uppskjuten skatt redovisas i resultatr\u00e4kningen, s\u00e5vida den inte avser poster som redovisas mot \u00f6vrigt totalresultat eller eget kapital. I dessa fall redovisas \u00e4ven skatten mot \u00f6vrigt totalresultat respektive eget kapital. Aktuell skatt \u00e4r den f\u00f6rv\u00e4ntade skatten p\u00e5 \u00e5rets beskatt- ningsbara inkomst, ber\u00e4knad enligt beslutade eller i prakti- ken beslutade skattesatser per balansdagen, tillsammans med eventuell justering av aktuell skatt h\u00e4nf\u00f6rlig till tidigare \u00e5r. Uppskjutna skattefordringar och skatteskulder redovisas f\u00f6r tempor\u00e4ra skillnader som uppst\u00e5r mellan skattem\u00e4ssiga och redovisade v\u00e4rden p\u00e5 tillg\u00e5ngar och skulder. Uppskjutna skattefordringar redovisas f\u00f6r outnyttjade skattem\u00e4ssiga underskott och skatteavdrag, om de uppfyller de aktuella kri- terierna f\u00f6r redovisning enligt IAS 12. Uppskjuten skatt redo- visas inte f\u00f6r tempor\u00e4ra skillnader som uppst\u00e5r vid f\u00f6rsta redovisningen av tillg\u00e5ngar eller skulder i en transaktion som inte \u00e4r ett f\u00f6retagsf\u00f6rv\u00e4rv och varken p\u00e5verkar redovisat eller beskattningsbart resultat. Uppskjuten skatt redovisas inte heller f\u00f6r skillnader h\u00e4nf\u00f6rliga till aktier och andelar i kon- cernf\u00f6retag, intressef\u00f6retag och joint ventures, i den m\u00e5n det \u00e4r sannolikt att en reglering eller realisering inte kommer att ske inom \u00f6versk\u00e5dlig tid. Inte heller redovisas uppskjuten skatt f\u00f6r skattepliktiga tempor\u00e4ra skillnader som h\u00e4rr\u00f6r fr\u00e5n den f\u00f6rsta redovisningen av goodwill. Uppskjuten skatt ber\u00e4knas enligt de skattesatser som v\u00e4n- tas g\u00e4lla n\u00e4r de tempor\u00e4ra skillnaderna v\u00e4nds, med utg\u00e5ngs- punkt fr\u00e5n antagna eller i praktiken antagna lagar per balans- dagen. Uppskjutna skattefordringar och skatteskulder diskon- teras inte. Uppskjutna skattefordringar redovisas endast i den utstr\u00e4ckning det \u00e4r sannolikt att framtida beskattningsbar vinst kommer att \ufb01nnas tillg\u00e4nglig, mot vilken tempor\u00e4ra skillnader, underskottsavdrag och outnyttjade skatteavdrag kan utnyttjas. Uppskjutna skattefordringar granskas varje balansdag, och minskas i den m\u00e5n det inte l\u00e4ngre \u00e4r sannolikt att avdragsr\u00e4tten kan utnyttjas. Aktuella skattefordringar och aktuella skatteskulder kvittas n\u00e4r lagstadgad r\u00e4tt till kvittning f\u00f6religger, och Nordea avser att antingen nettoreglera dessa skattepositioner eller reali- sera tillg\u00e5ngen samtidigt som skulden regleras. Uppskjutna skattefordringar och uppskjutna skatteskulder kvittas gene- rellt i den m\u00e5n det \u00e4r till\u00e5tet enligt lag att kvitta aktuella skat- tefordringar och aktuella skatteskulder ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDeferredIncomeTaxExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-593": {
   "value": "K2.10 Skatter Redovisningsprinciper Posten \u201dSkatt\u201d i resultatr\u00e4kningen utg\u00f6rs av den totala f\u00f6r- \u00e4ndringen i aktuell och uppskjuten inkomstskatt. Aktuell och uppskjuten skatt redovisas i resultatr\u00e4kningen, s\u00e5vida den inte avser poster som redovisas mot \u00f6vrigt totalresultat eller eget kapital. I dessa fall redovisas \u00e4ven skatten mot \u00f6vrigt totalresultat respektive eget kapital. Aktuell skatt \u00e4r den f\u00f6rv\u00e4ntade skatten p\u00e5 \u00e5rets beskatt- ningsbara inkomst, ber\u00e4knad enligt beslutade eller i prakti- ken beslutade skattesatser per balansdagen, tillsammans med eventuell justering av aktuell skatt h\u00e4nf\u00f6rlig till tidigare \u00e5r. Uppskjutna skattefordringar och skatteskulder redovisas f\u00f6r tempor\u00e4ra skillnader som uppst\u00e5r mellan skattem\u00e4ssiga och redovisade v\u00e4rden p\u00e5 tillg\u00e5ngar och skulder. Uppskjutna skattefordringar redovisas f\u00f6r outnyttjade skattem\u00e4ssiga underskott och skatteavdrag, om de uppfyller de aktuella kri- terierna f\u00f6r redovisning enligt IAS 12. Uppskjuten skatt redo- visas inte f\u00f6r tempor\u00e4ra skillnader som uppst\u00e5r vid f\u00f6rsta redovisningen av tillg\u00e5ngar eller skulder i en transaktion som inte \u00e4r ett f\u00f6retagsf\u00f6rv\u00e4rv och varken p\u00e5verkar redovisat eller beskattningsbart resultat. Uppskjuten skatt redovisas inte heller f\u00f6r skillnader h\u00e4nf\u00f6rliga till aktier och andelar i kon- cernf\u00f6retag, intressef\u00f6retag och joint ventures, i den m\u00e5n det \u00e4r sannolikt att en reglering eller realisering inte kommer att ske inom \u00f6versk\u00e5dlig tid. Inte heller redovisas uppskjuten skatt f\u00f6r skattepliktiga tempor\u00e4ra skillnader som h\u00e4rr\u00f6r fr\u00e5n den f\u00f6rsta redovisningen av goodwill. Uppskjuten skatt ber\u00e4knas enligt de skattesatser som v\u00e4n- tas g\u00e4lla n\u00e4r de tempor\u00e4ra skillnaderna v\u00e4nds, med utg\u00e5ngs- punkt fr\u00e5n antagna eller i praktiken antagna lagar per balans- dagen. Uppskjutna skattefordringar och skatteskulder diskon- teras inte. Uppskjutna skattefordringar redovisas endast i den utstr\u00e4ckning det \u00e4r sannolikt att framtida beskattningsbar vinst kommer att \ufb01nnas tillg\u00e4nglig, mot vilken tempor\u00e4ra skillnader, underskottsavdrag och outnyttjade skatteavdrag kan utnyttjas. Uppskjutna skattefordringar granskas varje balansdag, och minskas i den m\u00e5n det inte l\u00e4ngre \u00e4r sannolikt att avdragsr\u00e4tten kan utnyttjas. Aktuella skattefordringar och aktuella skatteskulder kvittas n\u00e4r lagstadgad r\u00e4tt till kvittning f\u00f6religger, och Nordea avser att antingen nettoreglera dessa skattepositioner eller reali- sera tillg\u00e5ngen samtidigt som skulden regleras. Uppskjutna skattefordringar och uppskjutna skatteskulder kvittas gene- rellt i den m\u00e5n det \u00e4r till\u00e5tet enligt lag att kvitta aktuella skat- tefordringar och aktuella skatteskulder . ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIncomeTaxExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-594": {
   "value": "Skattekostnad Mn euro 2022 2021 Aktuell skatt -987 -824 Uppskjuten skatt  -186 -281 Summa  -1 173 -1 105 F\u00f6r total skatt redovisad i \u00f6vrigt totalresultat, se Rapport \u00f6ver totalresultat. Skatten p\u00e5 koncernens r\u00f6relseresultat skiljer sig p\u00e5 f\u00f6ljan- de s\u00e4tt fr\u00e5n det teoretiska belopp som kan ber\u00e4knas med hj\u00e4lp av skattesatsen i Finland: Mn euro 2022 2021 Resultat f\u00f6re skatt 4 768 4 936 Skatt ber\u00e4knad med en skattesats om 20,0 procent  -954 -987 Effekt av andra skattesatser i \u00f6vriga l\u00e4nder -133 -97 Resultat fr\u00e5n intressef\u00f6retag 1 -7 Ej skattepliktiga int\u00e4kter 43 27 Avkastningsbeskattad inkomst 18 18 Ej skattem\u00e4ssigt avdragsgilla kostnader -20 -45 Justeringar avseende tidigare \u00e5r, aktuell skatt -25 90 Justeringar avseende tidigare \u00e5r, uppskjuten skatt  33 -78 Utnyttjande och etablering av oaktiverade skattefordringar 0 2 \u00c4ndrad skattesats1 -26 0 Ej avr\u00e4kningsbar utl\u00e4ndsk k\u00e4llskatt -23 -28 Skattereduktion maskiner och inventarier 19 \u2013 Omf\u00f6rda ej avdragsgilla valutakursf\u00f6rluster2 -106 \u2013 Skattekostnad -1 173 -1 105 Effektiv skattesats 24,6 % 22,4 % 1)  I juni 2022 antog den danska riksdagen en skattesatsh\u00f6jning f\u00f6r \ufb01nansiella f\u00f6retag till 25,2 procent fr\u00e5n 2023 och 26 procent fr\u00e5n 2024. Relevanta uppskjutna skattefordringar och skatteskulder omv\u00e4rderades till till\u00e4mpliga skattesatser under 2022. 2)  Inkluderar omf\u00f6ring av 529 mn euro i ej avdragsgilla valutakursf\u00f6rluster fr\u00e5n \u00f6vrigt totalresultat till resultatr\u00e4kningen h\u00e4nf\u00f6rliga till avveckling av verksamheten i Ryssland. Se not K2.4 \u201dSumma nettoresultat av poster till verkligt v\u00e4rde\u201d. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIncomeTaxExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-595": {
   "value": "F\u00f6r\u00e4ndringar i uppskjutna skattefordringar och skatteskulder Mn euro 1 jan 2022 Redovisat  i resultat- r\u00e4kningen Redovisat  i \u00f6vrigt  totalresultat F\u00f6rv\u00e4rv Valutakurs- differenser 31 dec 2022 Uppskjutna skattefordringar Skattem\u00e4ssiga underskott 8 \u2013 \u2013 \u2013 \u2013 8 Immateriella tillg\u00e5ngar \u2013 \u2013 \u2013 8 \u2013 8 Utl\u00e5ning till allm\u00e4nheten 77 22 -1 \u2013 \u2013 98 Derivatinstrument/obligationer 98 -100 5 \u2013 -3 0 Pensioner 94 -20 -1 \u2013 -2 71 Skulder/avs\u00e4ttningar 98 -37 \u2013 43 -1 103 Avr\u00e4kningsbar utl\u00e4ndsk skatt 0 \u2013 \u2013 \u2013 \u2013 0 \u00d6vrigt 38 -28 \u2013 40 -1 49 Kvittning av uppskjutna skattefordringar och skulder -195 20 2 \u2013 1 -172 Summa 218 -143 5 91 -6 165 Mn euro 1 jan 2022 Redovisat  i resultat- r\u00e4kningen Redovisat  i \u00f6vrigt totalresultat F\u00f6rv\u00e4rv Valutakurs- differenser 31 dec 2022 Uppskjutna skatteskulder Utl\u00e5ning till allm\u00e4nheten 407 -14 -36 1 -7 351 Aktier 38 -36 \u2013 \u2013 \u2013 2 Derivatinstrument/obligationer 15 59 \u2013 \u2013 -2 72 Immateriella tillg\u00e5ngar 120 -16 \u2013 10 -1 113 Materiella tillg\u00e5ngar 11 -1 \u2013 \u2013 \u2013 10 F\u00f6rvaltningsfastigheter 2 2 \u2013 51 -1 54 Pensioner 56 17 -8 \u2013 -2 63 Skulder/avs\u00e4ttningar 1 21 \u2013 \u2013 \u2013 22 \u00d6vrigt 21 \u2013 2 \u2013 \u2013 23 Elimineringar av tempor\u00e4ra skillnader som f\u00f6rekommer i flera jurisdiktioner 59 -9 34 \u2013 \u2013 84 Kvittning av uppskjutna skattefordringar och skulder -195 20 2 \u2013 1 -172 Summa 535 43 -6 62 -12 622 Mn euro 1 jan 2021 Redovisat  i resultat- r\u00e4kningen Redovisat  i \u00f6vrigt totalresultat Valutakurs- differenser \u00d6vriga  f\u00f6r\u00e4ndringar 31 dec 2021 Uppskjutna skatteskulder Utl\u00e5ning till allm\u00e4nheten 399 2 5 \u2013 1 407 Aktier 54 -15 \u2013 \u2013 -1 38 Derivatinstrument/obligationer 11 3 \u2013 1 \u2013 15 Immateriella tillg\u00e5ngar 77 42 \u2013 1 \u2013 120 Materiella tillg\u00e5ngar \u2013 11 \u2013 \u2013 \u2013 11 F\u00f6rvaltningsfastigheter 11 -3 \u2013 \u2013 -6 2 Pensioner 41 5 8 2 \u2013 56 Skulder/avs\u00e4ttningar 0 1 \u2013 \u2013 \u2013 1 \u00d6vrigt 18 -1 \u2013 \u2013 4 21 Elimineringar av tempor\u00e4ra skillnader som f\u00f6rekommer i flera jurisdiktioner 267 -203 -4 -1 \u2013 59 Kvittning av uppskjutna skattefordringar och skulder -442 258 -11 \u2013 \u2013 -195 Summa 436 100 -2 3 -2 535 Mn euro 1 jan 2021 Redovisat  i resultat- r\u00e4kningen Redovisat  i \u00f6vrigt  totalresultat Valutakurs- differenser \u00d6vriga  f\u00f6r\u00e4ndringar 31 dec 2021 Uppskjutna skattefordringar Skattem\u00e4ssiga underskott 123 -114 \u2013 1 -2 8 Utl\u00e5ning till allm\u00e4nheten 76 17 -17 \u2013 1 77 Derivatinstrument/obligationer 129 -40 3 6 \u2013 98 Pensioner 94 -6 4 2 \u2013 94 Skulder/avs\u00e4ttningar 154 -57 \u2013 1 \u2013 98 Avr\u00e4kningsbar utl\u00e4ndsk skatt 249 -249 \u2013 \u2013 \u2013 0 \u00d6vrigt 23 10 \u2013 \u2013 5 38 Kvittning av uppskjutna skattefordringar och skulder -442 258 -11 \u2013 \u2013 -195 Summa 406 -181 -21 10 4 218 Ej redovisade uppskjutna skattefordringar Mn euro 31 dec 2022 31 dec 2021 Outnyttjade skattem\u00e4ssiga underskott utan f\u00f6rfallotidpunkt 40 40 Outnyttjade skattem\u00e4ssiga underskott  40 40 Outnyttjade skattem\u00e4ssiga avdrag med f\u00f6rfall inom 12 m\u00e5nader 3 4 Outnyttjade skattem\u00e4ssiga avdrag med f\u00f6rfall efter 12 m\u00e5nader 424 556 Outnyttjade skattem\u00e4ssiga avdrag  427 560 Summa 467 600 Vid utg\u00e5ngen av 2022 redovisade Nordeakoncernen 165 mn euro (218 mn euro) i uppskjutna skattefordringar i balansr\u00e4k- ningen. Redovisningen och v\u00e4rderingen av uppskjutna skat- tefordringar baseras p\u00e5 en bed\u00f6mning av sannolikheten och beloppet f\u00f6r framtida beskattningsbara vinster och p\u00e5 fram- tida \u00e5terf\u00f6ringar av be\ufb01ntliga beskattningsbara tempor\u00e4ra skillnader. Dessutom har koncernen ej redovisade uppskjutna skatte- fordringar p\u00e5 40 mn euro (40 mn euro) avseende under- skottsavdrag i olika f\u00f6retag samt 427 mn euro (560 mn euro) avseende outnyttjade utl\u00e4ndska skattekrediter. Ej redovisade uppskjutna skattefordringar avseende skattem\u00e4ssiga f\u00f6rlus- ter kan \u00e5tervinnas om extraordin\u00e4ra beskattningsbara inkom- ster skulle uppst\u00e5 i de ber\u00f6rda f\u00f6retagen. Ej redovisade upp- skjutna skattefordringar avseende utl\u00e4ndska skattekrediter kan \u00e5tervinnas i h\u00e4ndelse av ov\u00e4ntade skillnader i beskatt- ningstidpunkter eller skattem\u00e4ssiga v\u00e4rden mellan huvud- kontor och \ufb01lialer",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDeferredTaxesExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-596": {
   "value": "K2.11  Resultat per aktie Redovisningsprinciper Resultat per aktie f\u00f6re utsp\u00e4dning ber\u00e4knas som \u00e5rets resul- tat h\u00e4nf\u00f6rligt till aktie\u00e4gare i Nordea Bank Abp dividerat med v\u00e4gt genomsnittligt antal utest\u00e5ende stamaktier under perioden. Resultat per aktie efter utsp\u00e4dning fastst\u00e4lls genom att jus- tera det v\u00e4gda genomsnittliga antalet utest\u00e5ende stamaktier f\u00f6r effekten av alla potentiella utsp\u00e4dningsbara stamaktier, vilka utg\u00f6rs av r\u00e4tten till prestationsaktier enligt de l\u00e5ngsiktiga incitamentsprogrammen samt kontrakt som kan regleras med Nordeaaktier, dvs. derivat s\u00e5som optioner och warranter och motsvarande. S\u00e5dana kontrakt p\u00e5verkar resultatet per aktie efter utsp\u00e4dning endast i de fall d\u00e4r den genomsnittliga kursen p\u00e5 stamaktier under perioden \u00e4r h\u00f6gre \u00e4n l\u00f6senkursen f\u00f6r optionerna eller warranterna (det vill s\u00e4ga om de har ett realv\u00e4rde). Potentiella stamaktier anses endast medf\u00f6ra en utsp\u00e4d- ningseffekt p\u00e5 balansdagen om samtliga resultatvillkor har uppfyllts och om en konvertering till stamaktier skulle minska vinsten per aktie. Vidare anses r\u00e4ttigheterna endast medf\u00f6ra en utsp\u00e4dningseffekt om l\u00f6senpriset, med till\u00e4gg f\u00f6r framtida tj\u00e4nster, \u00e4r l\u00e4gre \u00e4n periodens genomsnittliga aktiekurs. Resultat per aktie 2022 2021 Resultat: Resultat h\u00e4nf\u00f6rligt till aktie\u00e4gare i Nordea Bank Abp, mn euro 3 576 3 805 Antal aktier (miljoner): Antal utest\u00e5ende aktier vid \u00e5rets b\u00f6rjan 3 966 4 050 Genomsnittligt antal \u00e5terk\u00f6pta aktier inom \u00e5terk\u00f6psprogrammet -170  -13 Genomsnittligt antal aktier som innehas f\u00f6r ers\u00e4ttnings\u00e4ndam\u00e5l eller i handelslagret -17 -14 V\u00e4gt genomsnittligt antal utest\u00e5ende aktier f\u00f6re utsp\u00e4dning 3 779 4 023 Justering f\u00f6r v\u00e4gt genomsnittligt antal ytterligare utest\u00e5ende stamaktier efter utsp\u00e4dning1 3 2 V\u00e4gt genomsnittligt antal utest\u00e5ende aktier efter utsp\u00e4dning 3 782 4 025 Resultat per aktie f\u00f6re utsp\u00e4dning, euro  0,95 0,95 Resultat per aktie efter utsp\u00e4dning, euro  0,95 0,95 1)   Avser  Nordea Incentive Plan (NIP) 2022 och de l\u00e5ngsiktiga incitamentsprogrammen (LTIP). F\u00f6r ytterligare information om dessa plan, se not K8.3 \u201dAktierelaterade ers\u00e4ttningsprogram\u201d.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEarningsPerShareExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-597": {
   "value": "K2.11  Resultat per aktie Redovisningsprinciper Resultat per aktie f\u00f6re utsp\u00e4dning ber\u00e4knas som \u00e5rets resul- tat h\u00e4nf\u00f6rligt till aktie\u00e4gare i Nordea Bank Abp dividerat med v\u00e4gt genomsnittligt antal utest\u00e5ende stamaktier under perioden. Resultat per aktie efter utsp\u00e4dning fastst\u00e4lls genom att jus- tera det v\u00e4gda genomsnittliga antalet utest\u00e5ende stamaktier f\u00f6r effekten av alla potentiella utsp\u00e4dningsbara stamaktier, vilka utg\u00f6rs av r\u00e4tten till prestationsaktier enligt de l\u00e5ngsiktiga incitamentsprogrammen samt kontrakt som kan regleras med Nordeaaktier, dvs. derivat s\u00e5som optioner och warranter och motsvarande. S\u00e5dana kontrakt p\u00e5verkar resultatet per aktie efter utsp\u00e4dning endast i de fall d\u00e4r den genomsnittliga kursen p\u00e5 stamaktier under perioden \u00e4r h\u00f6gre \u00e4n l\u00f6senkursen f\u00f6r optionerna eller warranterna (det vill s\u00e4ga om de har ett realv\u00e4rde). Potentiella stamaktier anses endast medf\u00f6ra en utsp\u00e4d- ningseffekt p\u00e5 balansdagen om samtliga resultatvillkor har uppfyllts och om en konvertering till stamaktier skulle minska vinsten per aktie. Vidare anses r\u00e4ttigheterna endast medf\u00f6ra en utsp\u00e4dningseffekt om l\u00f6senpriset, med till\u00e4gg f\u00f6r framtida tj\u00e4nster, \u00e4r l\u00e4gre \u00e4n periodens genomsnittliga aktiekurs",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForEarningsPerShareExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-598": {
   "value": "NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>K3 <span class=\"__10 _478\"> </span>Finansiella instrumen<span class=\"__10 _471\"/>t<span class=\"__10 _469\"> </span>K3.<span class=\"__10 _479\"/>1 <span class=\"__10 _a_9\"> </span> <span class=\"__10 _b_9\"/>Redo<span class=\"__10 _471\"/>visning och bortbokning<span class=\"__10 _469\"> </span>i balansr\u00e4kningen<span class=\"__10 _469\"> </span>Redovisningsprinciper<span class=\"__10 _469\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsdagsredovisning till\u00e4mpas vid r<span class=\"__10 _471\"/>edovisning och bortbok-<span class=\"__10 _469\"> </span>ning av deriv<span class=\"__10 _471\"/>atinstrumen<span class=\"__10 _471\"/>t, b\u00f6rsnoterade v<span class=\"__10 _471\"/>\u00e4rdepapper och<span class=\"__10 _469\"> </span>avis<span class=\"__10 _471\"/>tatr<span class=\"__10 _471\"/>ansaktioner i utl\u00e4ndsk v<span class=\"__10 _471\"/>aluta, och en tillg\u00e5ng eller<span class=\"__10 _469\"> </span>skuld redo<span class=\"__10 _471\"/>visas i balansr\u00e4kningen under \u201d\u00d6vriga tillg\u00e5ngar<span class=\"__10 _c_9\"/>\u201d<span class=\"__10 _469\"> </span>eller \u201d\u00d6vriga skulder<span class=\"__10 _c_9\"/><span class=\"__10 _469\">\u201d mellan aff\u00e4rsdagen och likviddagen.<span class=\"__10 _469\"> </span></span>\u00d6vriga \ufb01nansiella instrument r<span class=\"__10 _471\"/>edovisas i balansr<span class=\"__10 _471\"/>\u00e4kningen p\u00e5<span class=\"__10 _469\"> </span>likviddagen.<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar<span class=\"__10 _471\"/>, andr<span class=\"__10 _471\"/>a \u00e4n de f\u00f6r vilka a<span class=\"__10 _471\"/><span class=\"__10 _469\">ff\u00e4rsdagsr</span><span class=\"__10 _471\"/>edo-<span class=\"__10 _469\"> </span>visning till\u00e4mpas, bokas bort fr\u00e5n balansr\u00e4kningen n\u00e4r den<span class=\"__10 _469\"> </span>avtals<span class=\"__10 _471\"/>enliga r\u00e4tt<span class=\"__10 _471\"/>en till kassafl\u00f6det fr<span class=\"__10 _471\"/>\u00e5n de \ufb01nansiella tillg\u00e5ng-<span class=\"__10 _469\"> </span>arna upph\u00f6r att g\u00e4lla eller \u00f6v<span class=\"__10 _471\"/>erf\u00f6rs till annan part. R\u00e4tten till<span class=\"__10 _469\"> </span>kassafl\u00f6det upph\u00f6r att g\u00e4lla eller \u00f6<span class=\"__10 _471\"/>verf\u00f6rs vanligen n\u00e4r mo<span class=\"__10 _471\"/>t-<span class=\"__10 _469\"> </span>parten har uppfyllt sin del a<span class=\"__10 _471\"/>v avt<span class=\"__10 _471\"/>alet genom att t.ex. betala<span class=\"__10 _469\"> </span>tillbaka ett l\u00e5n till Nordea, dvs. p\u00e5 likviddagen.<span class=\"__10 _469\"> </span>L\u00e5n och andra \ufb01nansiella tillg\u00e5ngar d\u00e4r kassa<span class=\"__10 _471\"/>fl\u00f6dena har<span class=\"__10 _469\"> </span>juster<span class=\"__10 _471\"/>ats, eller som ing\u00e5r i en rek<span class=\"__10 _471\"/>onstruk<span class=\"__10 _471\"/>tion, bokas bort fr\u00e5n<span class=\"__10 _469\"> </span>balansr\u00e4kningen, och ett nytt l\u00e5n r<span class=\"__10 _471\"/>edovisas om villkoren f<span class=\"__10 _471\"/>\u00f6r<span class=\"__10 _469\"> </span>det nya l\u00e5net v<span class=\"__10 _471\"/>\u00e4sentligen skiljer sig f<span class=\"__10 _471\"/>r\u00e5n de tidigare villk<span class=\"__10 _471\"/>oren.<span class=\"__10 _469\"> </span>Normalt brukar detta ske om nuv<span class=\"__10 _471\"/>\u00e4rdet a<span class=\"__10 _471\"/>v kassafl\u00f6det f<span class=\"__10 _471\"/>r\u00e5n<span class=\"__10 _469\"> </span>det nya l\u00e5net, diskont<span class=\"__10 _471\"/>erat med den ursprungliga r<span class=\"__10 _471\"/>\u00e4ntan, skil<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>jer sig mer \u00e4n 10 procen<span class=\"__10 _471\"/>t fr\u00e5n nuv<span class=\"__10 _471\"/>\u00e4rdet a<span class=\"__10 _471\"/>v det \u00e5ters<span class=\"__10 _471\"/>t\u00e5ende<span class=\"__10 _469\"> </span>f\u00f6rv\u00e4n<span class=\"__10 _471\"/>tade kassafl\u00f6det f<span class=\"__10 _471\"/>r\u00e5n det gamla l\u00e5net. Samma princi-<span class=\"__10 _469\"> </span>per g\u00e4ller f\u00f6r \ufb01nansiella sk<span class=\"__10 _471\"/>ulder<span class=\"__10 _471\"/>. Villk<span class=\"__10 _471\"/>oren anses \u00e4<span class=\"__10 _471\"/>ven skilja<span class=\"__10 _469\"> </span>sig \u00e5t v\u00e4sen<span class=\"__10 _471\"/>tligt f<span class=\"__10 _471\"/>\u00f6r \ufb01nansiella tillg\u00e5ngar<span class=\"__10 _471\"/>, d\u00e4r det jus<span class=\"__10 _471\"/>terade<span class=\"__10 _469\"> </span>kassafl\u00f6det endast ut<span class=\"__10 _471\"/>g\u00f6rs av betalning a<span class=\"__10 _471\"/>v kapitalbelopp och<span class=\"__10 _469\"> </span>r\u00e4n<span class=\"__10 _471\"/>ta (SPPI), medan detta int<span class=\"__10 _471\"/>e var f<span class=\"__10 _471\"/>allet f\u00f6r det ursprungliga<span class=\"__10 _469\"> </span>kassafl\u00f6det och vice versa.<span class=\"__10 _469\"> </span>I vissa fall genom<span class=\"__10 _471\"/>f\u00f6rs tr<span class=\"__10 _471\"/>ansaktioner d\u00e4r Nordea \u00f6<span class=\"__10 _471\"/>verf<span class=\"__10 _471\"/>\u00f6r till-<span class=\"__10 _469\"> </span>g\u00e5ngar som redovisas i balansr<span class=\"__10 _471\"/>\u00e4kningen, men samtidigt<span class=\"__10 _469\"> </span>beh\u00e5ller antingen hela eller delar a<span class=\"__10 _471\"/>v risken och r<span class=\"__10 _471\"/>\u00e4ttigheterna<span class=\"__10 _469\"> </span>f\u00f6rknippade med de \u00f6<span class=\"__10 _471\"/>verf\u00f6r<span class=\"__10 _471\"/>da tillg\u00e5ngarna. Om alla eller i<span class=\"__10 _469\"> </span>stort sett alla risker och r\u00e4<span class=\"__10 _471\"/>ttigheter beh\u00e5lls, bokas in<span class=\"__10 _471\"/>te de<span class=\"__10 _469\"> </span>\u00f6verf<span class=\"__10 _471\"/>\u00f6rda tillg\u00e5ngarna bort fr\u00e5n balansr<span class=\"__10 _471\"/>\u00e4kningen. Om<span class=\"__10 _469\"> </span>Nordeas motpart kan s\u00e4lja eller pants\u00e4<span class=\"__10 _471\"/>tta de \u00f6v<span class=\"__10 _471\"/>erf\u00f6rda till<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>g\u00e5ngarna p\u00e5 nytt, omklassi\ufb01ceras tillg\u00e5ngarna i balansr\u00e4k<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>ningen till \u201dPan<span class=\"__10 _471\"/>tsatta \ufb01nansiella ins<span class=\"__10 _471\"/>trument\u201d<span class=\"__10 _d_9\"/>. \u00d6verf\u00f6ring a<span class=\"__10 _d_9\"/>v<span class=\"__10 _469\"> </span>tillg\u00e5ngar med bibeh\u00e5llande av alla eller i s<span class=\"__10 _d_9\"/>tor<span class=\"__10 _c_9\"/>t sett alla risker<span class=\"__10 _469\"> </span>och r\u00e4ttighet<span class=\"__10 _471\"/>er omf<span class=\"__10 _d_9\"/>attar bl.a. avtal om v\u00e4rdepappersl\u00e5n och<span class=\"__10 _469\"> </span>\u00e5terk\u00f6psa<span class=\"__10 _d_9\"/>vtal.<span class=\"__10 _469\"> </span>Finansiella skulder bokas bort fr\u00e5n balansr<span class=\"__10 _d_9\"/>\u00e4kningen n\u00e4r de<span class=\"__10 _469\"> </span>upph\u00f6r<span class=\"__10 _d_9\"/>. Normalt sker detta n\u00e4r Nordea fullg\u00f6r sin del a<span class=\"__10 _d_9\"/>v avta<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>let, till exempel n\u00e4r Nor<span class=\"__10 _471\"/>dea \u00e5terbetalar inl\u00e5ning till mo<span class=\"__10 _471\"/>tpar-<span class=\"__10 _469\"> </span>ten, dvs. p\u00e5 likviddagen.<span class=\"__10 _469\"> </span>F\u00f6rs\u00e4ljning a<span class=\"__10 _d_9\"/>v v\u00e4rdepapper som inte \u00e4gs a<span class=\"__10 _d_9\"/>v Nordea<span class=\"ls2_9 ws3_9\"> de\ufb01</span>-<span class=\"__10 _469\"> </span>nieras som blankning och redo<span class=\"__10 _d_9\"/>visas som en tradingrelaterad<span class=\"__10 _469\"> </span>skuld (s\u00e5lda, ej inneha<span class=\"__10 _d_9\"/>vda v\u00e4rdepapper) under \u201d\u00d6vriga skul-<span class=\"__10 _469\"> </span>der<span class=\"__10 _c_9\"/>\u201d i balansr\u00e4kningen. Blankningen t\u00e4cks i allm\u00e4nhet geno<span class=\"__10 _469\"> </span>m<span class=\"__10 _469\"> </span>en transak<span class=\"__10 _471\"/>tion avs<span class=\"__10 _471\"/>eende v\u00e4rdepappers\ufb01nansiering (SFT),<span class=\"__10 _469\"> </span>oftast ett om<span class=\"__10 _471\"/>v\u00e4n<span class=\"__10 _471\"/>t \u00e5terk\u00f6psa<span class=\"__10 _d_9\"/>vtal eller andra typer a<span class=\"__10 _471\"/>v avtal om<span class=\"__10 _469\"> </span>inl\u00e5ning av v<span class=\"__10 _d_9\"/>\u00e4rdepapper<span class=\"__10 _471\"/>.<span class=\"__10 _469\"> </span>Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__10 _d_9\"/>ttningar <span class=\"__10 _e_9\"/> L\u00e5n och andra \ufb01nansiella tillg\u00e5ngar d\u00e4r kassa<span class=\"__10 _471\"/>fl\u00f6dena har jus-<span class=\"__10 _469\"> </span>tera<span class=\"__10 _471\"/>ts, eller som ing\u00e5r i en rekons<span class=\"__10 _471\"/>truktion, bokas bort fr<span class=\"__10 _471\"/>\u00e5n<span class=\"__10 _469\"> </span>balansr\u00e4kningen, och ett nytt l\u00e5n r<span class=\"__10 _471\"/>edovisas om villkoren f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _469\"> </span>det nya l\u00e5net v<span class=\"__10 _471\"/>\u00e4sentligen skiljer sig f<span class=\"__10 _d_9\"/>r\u00e5n de tidigare villkoren.<span class=\"__10 _469\"> </span>Nordea anv<span class=\"__10 _471\"/>\u00e4nder sig av bed\u00f6mningar f<span class=\"__10 _d_9\"/>\u00f6r att av<span class=\"__10 _471\"/>g\u00f6ra om vill-<span class=\"__10 _469\"> </span>koren f<span class=\"__10 _d_9\"/>\u00f6r det nya l\u00e5net v\u00e4sen<span class=\"__10 _471\"/>tligen skiljer sig fr\u00e5n de tidigar<span class=\"__10 _471\"/>e<span class=\"__10 _469\"> </span>villkoren. Som fr<span class=\"__10 _d_9\"/>amg\u00e5r av avsnitt<span class=\"__10 _471\"/>et \u201dRedovisningsprinciper\u201d<span class=\"__10 _469\"> </span>ovan, bed\u00f6ms villk<span class=\"__10 _471\"/>oren v\u00e4sen<span class=\"__10 _d_9\"/>tligen skilja sig fr\u00e5n de tidigare<span class=\"__10 _469\"> </span>om nuv\u00e4rdet a<span class=\"__10 _d_9\"/>v kassafl\u00f6det fr\u00e5n det ny<span class=\"__10 _d_9\"/>a l\u00e5net<span class=\"__10 _c_9\"/>, diskonter<span class=\"__10 _471\"/>at<span class=\"__10 _469\"> </span>med den ursprungliga r\u00e4ntan, a<span class=\"__10 _d_9\"/>vviker med mer \u00e4n 10 procent<span class=\"__10 _469\"> </span>fr\u00e5n nuv<span class=\"__10 _471\"/>\u00e4rdet a<span class=\"__10 _d_9\"/>v det \u00e5terst\u00e5ende f\u00f6rv\u00e4n<span class=\"__10 _d_9\"/>tade kassafl\u00f6det fr\u00e5n<span class=\"__10 _469\"> </span>det gamla l\u00e5net eller om det juster<span class=\"__10 _471\"/>ade kassafl\u00f6det endast<span class=\"__10 _469\"> </span>utg\u00f6rs av betalning a<span class=\"__10 _d_9\"/>v kapitalbelopp och r\u00e4nt<span class=\"__10 _471\"/>a (SPPI), medan<span class=\"__10 _469\"> </span>detta inte v<span class=\"__10 _d_9\"/>ar fallet f\u00f6r det ursprungliga kassafl\u00f6det och vic<span class=\"__10 _471\"/>e<span class=\"__10 _469\"> </span>versa. Det redovisade v<span class=\"__10 _471\"/>\u00e4rdet f<span class=\"__10 _471\"/>\u00f6r l\u00e5n, r\u00e4n<span class=\"__10 _471\"/>teb\u00e4rande v<span class=\"__10 _471\"/>\u00e4rdepap-<span class=\"__10 _469\"> </span>per och pantsatt<span class=\"__10 _471\"/>a \ufb01nansiella instrumen<span class=\"__10 _471\"/>t p\u00e5 tillg\u00e5ngssidan i<span class=\"__10 _469\"> </span>balansr\u00e4kningen uppg\u00e5r till 419 627 mn euro (<span class=\"__10 _d_9\"/>412 493 mn<span class=\"__10 _469\"> </span>euro).<span class=\"__10 _469\"> </span>K3.2 <span class=\"__10 _a_9\"> </span> <span class=\"__10 _b_9\"/>\u00d6verf\u00f6r<span class=\"__10 _471\"/>da tillg\u00e5ngar ocherh\u00e5llna s\u00e4kerheter<span class=\"__10 _469\"> </span>Redovisningsprinciper<span class=\"__10 _469\"> </span>Tillg\u00e5ngar anses var<span class=\"__10 _471\"/>a \u00f6verf<span class=\"__10 _471\"/>\u00f6rda fr<span class=\"__10 _471\"/>\u00e5n Nordea om Nordea<span class=\"__10 _469\"> </span>antingen \u00f6v<span class=\"__10 _d_9\"/>er<span class=\"__10 _c_9\"/>f\u00f6r den kon<span class=\"__10 _d_9\"/>traktsenliga r<span class=\"__10 _471\"/>\u00e4ttigheten a<span class=\"__10 _471\"/>tt erh\u00e5lla<span class=\"__10 _469\"> </span>kassafl\u00f6den fr<span class=\"__10 _471\"/>\u00e5n tillg\u00e5ngen eller beh\u00e5ller den r\u00e4ttighet<span class=\"__10 _d_9\"/>en<span class=\"__10 _469\"> </span>men har en kontr<span class=\"__10 _d_9\"/>aktsenlig skyldighet att betala kassafl\u00f6dena<span class=\"__10 _469\"> </span>till en eller flera parter<span class=\"__10 _d_9\"/>. Alla tillg\u00e5ngar som \u00f6<span class=\"__10 _471\"/>verf\u00f6rts redovisas<span class=\"__10 _469\"> </span>fortsatt i balansr<span class=\"__10 _471\"/>\u00e4kningen om Nordeas e<span class=\"__10 _471\"/>xponering f\u00f6r f<span class=\"__10 _d_9\"/>\u00f6r\u00e4nd-<span class=\"__10 _469\"> </span>ringar i verkligt v\u00e4r<span class=\"__10 _471\"/>de f\u00f6r tillg\u00e5ngen kv<span class=\"__10 _d_9\"/>ar<span class=\"__10 _c_9\"/>st\u00e5r<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>Erh\u00e5llen s\u00e4kerhet redovisas in<span class=\"__10 _d_9\"/>te i balansr\u00e4kningen s\u00e5vida<span class=\"__10 _469\"> </span>inte Nor<span class=\"__10 _471\"/>dea har en exponering f<span class=\"__10 _d_9\"/>\u00f6r f\u00f6r\u00e4ndringar i verkligt<span class=\"__10 _469\"> </span>v\u00e4rde f<span class=\"__10 _d_9\"/>\u00f6r tillg\u00e5ngen.<span class=\"__10 _469\"> </span>F\u00f6r in<span class=\"__10 _d_9\"/>formation om pantsa<span class=\"__10 _d_9\"/>tta \ufb01nansiella instrument, se not<span class=\"__10 _469\"> </span>K3.9 \u201dPan<span class=\"__10 _d_9\"/>tsatta \ufb01nansiella instrument\u201d<span class=\"__10 _469\"> </span><span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span>\u00d6verf\u00f6r<span class=\"__10 _471\"/>da tillg\u00e5ngar som f<span class=\"__10 _471\"/>ortsatt redovisas i balansr\u00e4kningen samt h\u00e4n<span class=\"__10 _d_9\"/>f\u00f6rliga skulder<span class=\"__10 _469\"> </span>\u00c5terk\u00f6psa<span class=\"__10 _d_9\"/>vtal \u00e4r en form av inl\u00e5ning mo<span class=\"__10 _d_9\"/>t s\u00e4kerhet d\u00e4r<span class=\"__10 _469\"> </span>Nordea s\u00e4ljer v\u00e4r<span class=\"__10 _471\"/>depapper med avtal om a<span class=\"__10 _d_9\"/>tt till ett fast pris<span class=\"__10 _469\"> </span>\u00e5terk\u00f6pa dessa vid ett s<span class=\"__10 _471\"/>enare datum.<span class=\"__10 _469\"> </span>A<span class=\"__10 _d_9\"/>vtal om utl\u00e5ning av v\u00e4r<span class=\"__10 _471\"/>depapper \u00e4r transak<span class=\"__10 _d_9\"/>tioner d\u00e4r<span class=\"__10 _469\"> </span>Nordea l\u00e5nar ut v\u00e4r<span class=\"__10 _471\"/>depapper till en motpart och erh\u00e5ller en<span class=\"__10 _469\"> </span>av<span class=\"__10 _d_9\"/>gift<span class=\"__10 _c_9\"/>. A<span class=\"__10 _d_9\"/>vtal om v\u00e4rdepappersl\u00e5n inneb\u00e4r i allm\u00e4nhet st\u00e4l<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>lande av s\u00e4k<span class=\"__10 _471\"/>erhet.<span class=\"__10 _469\"> </span>Eftersom b\u00e5de \u00e5t<span class=\"__10 _471\"/>erk\u00f6psa<span class=\"__10 _471\"/>vtal och v\u00e4rdepappersl\u00e5n inneb\u00e4r<span class=\"__10 _469\"> </span>att v\u00e4r<span class=\"__10 _471\"/>depappren \u00e5terl\u00e4mnas till Nor<span class=\"__10 _d_9\"/>dea, kvarst\u00e5r alla risker<span class=\"__10 _469\"> </span>och r\u00e4ttighet<span class=\"__10 _471\"/>er f\u00f6rknippade med de \u00f6<span class=\"__10 _471\"/>verf\u00f6r<span class=\"__10 _471\"/>da instrumen<span class=\"__10 _471\"/>ten<span class=\"__10 _469\"> </span>hos Nordea, \u00e4<span class=\"__10 _471\"/>ven om de in<span class=\"__10 _471\"/>te \u00e4r tillg\u00e4ngliga f<span class=\"__10 _471\"/>\u00f6r Nordea under<span class=\"__10 _469\"> </span>den period d\u00e5 de \u00e4r \u00f6verf<span class=\"__10 _471\"/>\u00f6rda. Motparten i transak<span class=\"__10 _d_9\"/>tionen<span class=\"__10 _469\"> </span>innehar v\u00e4rdepappr<span class=\"__10 _471\"/>en som s\u00e4kerhet, men har inte n\u00e5gon r\u00e4<span class=\"__10 _d_9\"/>tt<span class=\"__10 _469\"> </span>till andra tillg\u00e5ngar i Nordea. V<span class=\"__10 _d_9\"/>\u00e4rdepapper som har l\u00e4mnats<span class=\"__10 _469\"> </span>enligt \u00e5terk\u00f6psa<span class=\"__10 _d_9\"/>vtal och avtal om v<span class=\"__10 _471\"/>\u00e4rdepappersl\u00e5n bokas<span class=\"__10 _469\"> </span>d\u00e4rf\u00f6r in<span class=\"__10 _471\"/>te bort fr\u00e5n balansr\u00e4kningen. Om mo<span class=\"__10 _d_9\"/>tpar<span class=\"__10 _c_9\"/>ten har r\u00e4tt<span class=\"__10 _469\"> </span>att s\u00e4lja vidare eller pan<span class=\"__10 _d_9\"/>ts\u00e4tta v\u00e4rdepappren p\u00e5 n<span class=\"__10 _471\"/>ytt, omklas-<span class=\"__10 _469\"> </span>si\ufb01ceras dessa till pos<span class=\"__10 _471\"/>ten \u201dP<span class=\"__10 _471\"/>antsatt<span class=\"__10 _471\"/>a \ufb01nansiella instrumen<span class=\"__10 _471\"/>t\u201d i<span class=\"__10 _469\"> </span>balansr\u00e4kningen. V<span class=\"__10 _d_9\"/>\u00e4rdepapper som har l\u00e4mnats enligt \u00e5t<span class=\"__10 _471\"/>er-<span class=\"__10 _469\"> </span>k\u00f6psa<span class=\"__10 _471\"/>vtal och a<span class=\"__10 _471\"/>vtal om v\u00e4rdepappersl\u00e5n redo<span class=\"__10 _d_9\"/>visas ocks\u00e5 i not<span class=\"__10 _469\"> </span>K7<span class=\"__10 _479\"/>.3 \u201dSt\u00e4llda s\u00e4kerheter<span class=\"__10 _c_9\"/>\u201d<span class=\"__10 _d_9\"/>. Likvida medel som har erh\u00e5llits<span class=\"__10 _469\"> </span>enligt \u00e5terk\u00f6psa<span class=\"__10 _d_9\"/>vtal och avtal om v<span class=\"__10 _471\"/>\u00e4rdepappersl\u00e5n redovisas<span class=\"__10 _469\"> </span>i balansr\u00e4kningen under \u201dSkulder till kr<span class=\"__10 _471\"/>editinstitut\u201d eller \u201dIn-<span class=\"__10 _469\"> </span>och uppl\u00e5ning fr\u00e5n allm\u00e4nheten\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>I derivattr<span class=\"__10 _d_9\"/>ansaktioner levererar Nor<span class=\"__10 _d_9\"/>dea s\u00e4kerheter som<span class=\"__10 _469\"> </span>enligt villkoren i a<span class=\"__10 _d_9\"/>vtalen kan s\u00e4ljas eller pants\u00e4ttas p\u00e5 n<span class=\"__10 _471\"/>ytt.<span class=\"__10 _469\"> </span>Dessa utg\u00f6r i huvudsak s\u00e4kerheter som erh\u00e5lls enligt s\u00e4rskil<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>da s\u00e4kerhetsa<span class=\"__10 _471\"/>vtal.<span class=\"__10 _469\"> </span>120<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>\u00d6verf\u00f6r<span class=\"__10 _471\"/>da tillg\u00e5ngar som har redovisa<span class=\"__10 _d_9\"/>ts i balansr\u00e4kningen<span class=\"__10 _469\"> </span>Mn euro<span class=\"__10 _480\"> </span>31 dec 2022<span class=\"__10 _481\"> </span><span class=\"ws5_9\">31 dec 2021<span class=\"__10 _469\"> </span></span>\u00c5terk\u00f6psa<span class=\"__10 _d_9\"/>vtal<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/>ande v\u00e4rdepapper<span class=\"__10 _482\"> </span>4 672<span class=\"__10 _483\"> </span>1 668<span class=\"__10 _469\"> </span>A<span class=\"__10 _d_9\"/>vtal om utl\u00e5ning av v\u00e4rdepapper<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/><span class=\"__10 _469\">ande v\u00e4rdepapper1</span><span class=\"__10 _484\"> </span>230<span class=\"__10 _485\"> </span>\u2013<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _486\"> </span>4 902<span class=\"__10 _487\"> </span>1 668<span class=\"__10 _469\"> </span>Skulder h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6rliga till tillg\u00e5ngarna<span class=\"ff2_10 fs0_10\"><span class=\"__10 _469\">2<span class=\"__10 _469\"> </span></span></span>Mn euro<span class=\"__10 _480\"> </span>31 dec 2022<span class=\"__10 _481\"> </span>31 dec 2021<span class=\"__10 _469\"> </span>\u00c5terk\u00f6psa<span class=\"__10 _471\"/>vtal<span class=\"__10 _488\"> </span>4 67<span class=\"__10 _d_9\"/>4<span class=\"__10 _483\"> </span>1 669<span class=\"__10 _469\"> </span>A<span class=\"__10 _d_9\"/><span class=\"__10 _469\">vtal om utl\u00e5ning av v\u00e4rdepapper1</span><span class=\"__10 _489\"> </span>230<span class=\"__10 _485\"> </span>\u2013<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _1a_6\"> </span>4 904<span class=\"__10 _487\"> </span>1 669<span class=\"__10 _469\"> </span>Netto<span class=\"__10 _1b_6\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _1c_6\"> </span><span class=\"ls4_9 ws7_9\">-1<span class=\"__10 _469\"> </span></span></span>1) J\u00e4mf\u00f6r<span class=\"__10 _471\"/><span class=\"__10 _469\">elsesiffror har in</span><span class=\"__10 _471\"/>te r\u00e4knats om.   2) Skulder f\u00f6re kvittning mellan till<span class=\"__10 _471\"/>g\u00e5ngar och skulder i balansr\u00e4kningen. Erh\u00e5llna s\u00e4kerheter som kan s\u00e4ljas eller pants\u00e4<span class=\"__10 _471\"/>ttas p\u00e5 nytt<span class=\"__10 _469\"> </span>Nordea<span class=\"ws0_10\"> erh\u00e5ller s\u00e4kerheter enligt om<span class=\"__10 _d_9\"/>v\u00e4nda \u00e5terk\u00f6psa<span class=\"__10 _471\"/>vtal och </span>avtal om v<span class=\"__10 _d_9\"/>\u00e4rdepappersl\u00e5n, vilka kan s\u00e4ljas eller pants\u00e4ttas p\u00e5 nytt i enlighet med avtalsvillk<span class=\"__10 _d_9\"/>oren. T<span class=\"__10 _479\"/>ransak<span class=\"__10 _471\"/>tionerna genomf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s enligt standarda<span class=\"__10 _d_9\"/>vtal som anv\u00e4nds a<span class=\"__10 _d_9\"/>v par<span class=\"__10 _c_9\"/>terna p\u00e5 den \ufb01nansiella mark<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>naden. V<span class=\"__10 _d_9\"/>anligtvis kr\u00e4v<span class=\"__10 _d_9\"/>er avtalen ytterligare s\u00e4kerhet<span class=\"__10 _471\"/>er om v\u00e4rdet p\u00e5 v\u00e4rdepapper sjunker under en f<span class=\"__10 _d_9\"/>\u00f6rutbest\u00e4md niv\u00e5. Enligt st<span class=\"__10 _471\"/>an<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>darda<span class=\"__10 _471\"/>vtalen f<span class=\"__10 _471\"/>\u00f6r de flesta \u00e5<span class=\"__10 _471\"/>terk\u00f6psa<span class=\"__10 _d_9\"/>vtal har mottagaren av s\u00e4k<span class=\"__10 _d_9\"/>er<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>heten ovillkorlig r<span class=\"__10 _d_9\"/>\u00e4tt att s\u00e4lja eller \u00e5terpan<span class=\"__10 _471\"/>ts\u00e4tta s\u00e4kerhet<span class=\"__10 _471\"/>en, f\u00f6rut<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>satt att likv<span class=\"__10 _471\"/>\u00e4rdiga v\u00e4r<span class=\"__10 _471\"/>depapper \u00f6verf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s vid likvidtillf\u00e4llet. V<span class=\"__10 _d_9\"/>\u00e4rdepapper som erh\u00e5llits enligt omv\u00e4nda \u00e5t<span class=\"__10 _471\"/>erk\u00f6psa<span class=\"__10 _d_9\"/>vtal och avtal om v<span class=\"__10 _d_9\"/>\u00e4rdepappersl\u00e5n redovisas inte i balansr<span class=\"__10 _471\"/>\u00e4kning-<span class=\"__10 _469\"> </span>en. Likvida medel som har l\u00e4mnats enligt omv<span class=\"__10 _d_9\"/>\u00e4nda \u00e5terk\u00f6psav-<span class=\"__10 _469\"> </span>tal och avt<span class=\"__10 _471\"/>al om v\u00e4rdepappersl\u00e5n redo<span class=\"__10 _471\"/>visas i balansr\u00e4kningen under \u201dUtl\u00e5ning till centr<span class=\"__10 _d_9\"/>albanker<span class=\"__10 _1d_6\"/>\u201d<span class=\"__10 _479\"/>, \u201dUtl\u00e5ning till kreditinstitut<span class=\"__10 _c_9\"/>\u201d eller \u201dUtl\u00e5ning till allm\u00e4nheten\u201d<span class=\"__10 _479\"/>. Det verkliga v\u00e4r<span class=\"__10 _471\"/>det p\u00e5 erh\u00e5llna s\u00e4kerheter enligt omv<span class=\"__10 _d_9\"/>\u00e4nda \u00e5terk\u00f6psa<span class=\"__10 _d_9\"/>vtal och avtal om v<span class=\"__10 _471\"/>\u00e4rdepappersl\u00e5n upplyses om nedan. Nordea erh\u00e5ller ocks\u00e5 s\u00e4kerheter enligt andr<span class=\"__10 _d_9\"/>a avtal, vilka kan s\u00e4ljas eller pants\u00e4<span class=\"__10 _d_9\"/>ttas p\u00e5 nytt i enlighet med avtals-<span class=\"__10 _469\"> </span>villkoren. Dessa utg\u00f6r i huvudsak s\u00e4k<span class=\"__10 _d_9\"/>erheter som erh\u00e5lls enligt s\u00e4kerhetsa<span class=\"__10 _471\"/>vtal i samband med deriva<span class=\"__10 _471\"/>ttransak<span class=\"__10 _471\"/>tioner<span class=\"__10 _d_9\"/>. De erh\u00e5ll-<span class=\"__10 _469\"> </span>na s\u00e4kerheterna som pre<span class=\"__10 _471\"/>senter<span class=\"__10 _d_9\"/>as i tabellen nedan \u00e4r inte redo-<span class=\"__10 _469\"> </span>visade i balansr\u00e4kningen.<span class=\"__10 _469\"> </span>Erh\u00e5llna s\u00e4kerheter som in<span class=\"__10 _471\"/>te \u00e4r redovisade i balansr<span class=\"__10 _471\"/><span class=\"__10 _469\">\u00e4kningen1<span class=\"__10 _469\"> </span></span>Mn euro<span class=\"__10 _480\"> </span>31 dec 2022<span class=\"__10 _481\"> </span>31 dec 2021<span class=\"__10 _469\"> </span>Omv\u00e4nda \u00e5t<span class=\"__10 _d_9\"/>erk\u00f6psavtal<span class=\"__10 _469\"> </span>Erh\u00e5llna s\u00e4kerheter som kan s\u00e4ljas eller pants\u00e4ttas p\u00e5 n<span class=\"__10 _d_9\"/>ytt<span class=\"__10 _1e_6\"> </span>25 520<span class=\"__10 _1f_6\"> </span>21 739<span class=\"__10 _469\"> </span>- vara<span class=\"__10 _d_9\"/>v s\u00e5lda eller pantsatta p\u00e5 nytt<span class=\"__10 _490\"> </span>18 849<span class=\"__10 _491\"> </span>10 978<span class=\"__10 _469\"> </span>A<span class=\"__10 _d_9\"/>vtal om v\u00e4rdepappersl\u00e5n<span class=\"__10 _469\"> </span>Erh\u00e5llna s\u00e4kerheter som kan s\u00e4ljas eller pants\u00e4ttas p\u00e5 n<span class=\"__10 _d_9\"/>ytt<span class=\"__10 _492\"> </span>1 003<span class=\"__10 _487\"> </span>2 834<span class=\"__10 _469\"> </span>- vara<span class=\"__10 _d_9\"/>v s\u00e5lda eller pantsatta p\u00e5 nytt<span class=\"__10 _493\"> </span>445<span class=\"__10 _494\"> </span>183<span class=\"__10 _469\"> </span>\u00d6vriga avtal<span class=\"__10 _469\"> </span>Erh\u00e5llna s\u00e4kerheter som kan s\u00e4ljas eller pants\u00e4ttas p\u00e5 n<span class=\"__10 _d_9\"/>ytt<span class=\"__10 _495\"> </span>834<span class=\"__10 _496\"> </span>864<span class=\"__10 _469\"> </span>- vara<span class=\"__10 _d_9\"/>v s\u00e5lda eller pantsatta p\u00e5 nytt<span class=\"__10 _497\"> </span>320<span class=\"__10 _498\"> </span>202<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _499\"> </span>27 357<span class=\"__10 _2a_4\"> </span>25 437<span class=\"__10 _469\"> </span>1) Erh\u00e5llna s\u00e4kerheter emitterade a<span class=\"__10 _d_9\"/>v Nordea \u00e4r fr\u00e5n \u00e5r 2022 inkluderade i tabellen. J\u00e4mf<span class=\"__10 _d_9\"/>\u00f6<span class=\"__10 _c_9\"/>-<span class=\"__10 _469\"> </span><span class=\"__10 _469\">relsesiffrorna har r</span><span class=\"__10 _471\"/>\u00e4knats om p\u00e5 motsvar<span class=\"__10 _471\"/>ande s\u00e4tt.<span class=\"__10 _469\"> </span>K3.2   <span class=\"__10 _2b_4\"/>\u00d6verf\u00f6rda tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter<span class=\"__10 _479\"/>, forts<span class=\"__10 _c_9\"/>.<span class=\"__10 _469\"> </span>K3.3 <span class=\"__10 _a_9\"> </span> <span class=\"__10 _b_9\"/>Klassi\ufb01cering och v\u00e4r<span class=\"__10 _d_9\"/>dering<span class=\"__10 _469\"> </span> Redovisningsprinciper<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>arje \ufb01nansiellt instrument har klassi\ufb01c<span class=\"__10 _471\"/>erats i n\u00e5gon a<span class=\"__10 _d_9\"/>v<span class=\"__10 _469\"> </span>  f\u00f6ljande <span class=\"__10 _2c_4\"> </span>kategorier:<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar:<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\"><span class=\"__10 _469\">Upplupet anskaffningsv</span><span class=\"__10 _d_9\"/>\u00e4rde<span class=\"__10 _469\"> </span></span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde via resulta<span class=\"__10 _471\"/>tr\u00e4kningen:<span class=\"__10 _469\"> </span></span> <span class=\"__10 _2e_4\"/>-<span class=\"__10 _2c_4\"> </span> <span class=\"__10 _479\"/>Obligatoriskt v\u00e4r<span class=\"__10 _d_9\"/>derade till verkligt v\u00e4rde via<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen<span class=\"__10 _469\"> </span> <span class=\"__10 _2e_4\"/>-<span class=\"__10 _2c_4\"> </span>F<span class=\"__10 _d_9\"/>r\u00e5n b\u00f6rjan v\u00e4rder<span class=\"__10 _471\"/>ade till verkligt v\u00e4r<span class=\"__10 _471\"/>de via resulta<span class=\"__10 _d_9\"/>tr\u00e4k-<span class=\"__10 _469\"> </span>ningen (verkligt v\u00e4r<span class=\"__10 _471\"/>de-optionen)<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Finansiella tillg\u00e5ngar v\u00e4rder<span class=\"__10 _471\"/>ade till verkligt v\u00e4r<span class=\"__10 _471\"/>de via \u00f6vrigt<span class=\"__10 _469\"> </span></span><span class=\"wsa_9\"> </span>totalr<span class=\"__10 _471\"/>esultat<span class=\"__10 _469\"> </span>Finansiella skulder:<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\"><span class=\"__10 _469\">Upplupet anskaffningsv</span><span class=\"__10 _d_9\"/>\u00e4rde<span class=\"__10 _469\"> </span></span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde via resulta<span class=\"__10 _471\"/>tr\u00e4kningen:<span class=\"__10 _469\"> </span></span> <span class=\"__10 _2e_4\"/>-<span class=\"__10 _2c_4\"> </span> <span class=\"__10 _479\"/>Obligatoriskt v\u00e4r<span class=\"__10 _d_9\"/>derade till verkligt v\u00e4rde via<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen<span class=\"__10 _469\"> </span> <span class=\"__10 _2e_4\"/>-<span class=\"__10 _2c_4\"> </span>F<span class=\"__10 _d_9\"/>r\u00e5n b\u00f6rjan v\u00e4rder<span class=\"__10 _471\"/>ade till verkligt v\u00e4r<span class=\"__10 _471\"/>de via resulta<span class=\"__10 _d_9\"/>tr\u00e4k-<span class=\"__10 _469\"> </span>ningen (verkligt v\u00e4r<span class=\"__10 _471\"/>de-optionen)<span class=\"__10 _469\"> </span>Klassi\ufb01ceringen a<span class=\"__10 _471\"/>v en \ufb01nansiell tillg\u00e5ng best\u00e4ms utif<span class=\"__10 _471\"/><span class=\"__10 _469\">r\u00e5n aff</span><span class=\"__10 _d_9\"/>\u00e4r<span class=\"__10 _c_9\"/>s-<span class=\"__10 _469\"> </span>modellen f\u00f6r den portf<span class=\"__10 _471\"/>\u00f6lj som instrumen<span class=\"__10 _d_9\"/>tet ing\u00e5r i och huru-<span class=\"__10 _469\"> </span>vida kassafl\u00f6dena endast ut<span class=\"__10 _471\"/>g\u00f6r betalning av k<span class=\"__10 _471\"/>apitalbelopp och<span class=\"__10 _469\"> </span> r\u00e4n<span class=\"__10 _471\"/>ta (SPPI).<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar med kassafl\u00f6den som in<span class=\"__10 _d_9\"/>te uteslutande<span class=\"__10 _469\"> </span> utg\u00f6rs av betalning a<span class=\"__10 _d_9\"/>v kapitalbelopp och r\u00e4nt<span class=\"__10 _471\"/>a v\u00e4rder<span class=\"__10 _471\"/>as till verk<span class=\"__10 _d_9\"/><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ligt v\u00e4rde via r<span class=\"__10 _471\"/>esultatr<span class=\"__10 _d_9\"/>\u00e4kningen. Alla \u00f6vriga tillg\u00e5ngar klassi\ufb01ceras<span class=\"__10 _469\"> </span> utifr\u00e5n a<span class=\"__10 _471\"/><span class=\"__10 _469\">ff\u00e4rsmodellen. P</span><span class=\"__10 _471\"/>ortf\u00f6ljinstrumen<span class=\"__10 _d_9\"/>t som omfattas a<span class=\"__10 _d_9\"/>v en<span class=\"__10 _c_9\"/> <span class=\"__10 _469\">aff\u00e4rsmodell d\u00e4r a</span><span class=\"__10 _d_9\"/>vsikten \u00e4r att beh\u00e5lla ins<span class=\"__10 _471\"/>trumenten och ta emo<span class=\"__10 _d_9\"/>t<span class=\"__10 _c_9\"/> avtals<span class=\"__10 _471\"/>enliga kassafl\u00f6den v\u00e4r<span class=\"__10 _d_9\"/><span class=\"__10 _469\">deras till upplupet anskaffningsv\u00e4r</span><span class=\"__10 _471\"/>de.<span class=\"__10 _469\"> </span> Instrument s<span class=\"__10 _471\"/>om omf<span class=\"__10 _d_9\"/><span class=\"__10 _469\">attas av en aff</span><span class=\"__10 _d_9\"/>\u00e4r<span class=\"__10 _c_9\"/>smodell d\u00e4r avsik<span class=\"__10 _d_9\"/>ten \u00e4r b\u00e5de<span class=\"__10 _469\"> </span> att beh\u00e5lla instrumen<span class=\"__10 _d_9\"/>ten f\u00f6r att samla in a<span class=\"__10 _d_9\"/>vtalsenliga kassafl\u00f6den<span class=\"__10 _469\"> </span> och att s\u00e4lja instrumen<span class=\"__10 _d_9\"/>ten, v\u00e4rderas till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde via \u00f6vrigt<span class=\"__10 _469\"> </span> totalr<span class=\"__10 _471\"/>esultat. Finansiella tillg\u00e5ngar som omf<span class=\"__10 _d_9\"/>attas av annan a<span class=\"__10 _471\"/><span class=\"__10 _469\">ff\u00e4rs</span><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>modell v\u00e4rder<span class=\"__10 _471\"/>as till verkligt v\u00e4r<span class=\"__10 _471\"/>de via resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen.<span class=\"__10 _469\"> </span>F\u00f6r a<span class=\"__10 _471\"/>tt kunna f<span class=\"__10 _471\"/>astst<span class=\"__10 _471\"/><span class=\"__10 _469\">\u00e4lla aff\u00e4rsmodell har </span><span class=\"ws8_9\">Nordea</span> dela<span class=\"__10 _d_9\"/>t in sina<span class=\"__10 _c_9\"/> \ufb01nansiella tillg\u00e5ngar i portf\u00f6ljer och underportf\u00f6ljer utifr<span class=\"__10 _d_9\"/>\u00e5n hur<span class=\"__10 _c_9\"/> olika grupper av \ufb01nansiella tillg\u00e5ngar f<span class=\"__10 _d_9\"/>\u00f6rvaltas tillsammans f\u00f6r a<span class=\"__10 _471\"/>tt<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">uppn\u00e5 ett visst aff</span><span class=\"__10 _d_9\"/>\u00e4r<span class=\"__10 _c_9\"/>sm\u00e5l. N\u00e4r r\u00e4tt niv\u00e5 f<span class=\"__10 _d_9\"/>\u00f6r portf\u00f6ljen ska fasts<span class=\"__10 _d_9\"/>t\u00e4l<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>las har <span class=\"ws8_9\">Nordea</span> tagit h\u00e4nsyn till ak<span class=\"__10 _471\"/><span class=\"__10 _469\">tuell aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5desstruk<span class=\"__10 _d_9\"/>tur<span class=\"__10 _471\"/>. Vid<span class=\"__10 _469\"> </span> fas<span class=\"__10 _471\"/>tst\u00e4llandet a<span class=\"__10 _d_9\"/><span class=\"__10 _469\">v aff\u00e4rsmodell f\u00f6r re</span><span class=\"__10 _471\"/>spektiv<span class=\"__10 _471\"/>e portf\u00f6lj har <span class=\"ws8_9\">Nordea</span><span class=\"ls0_10\"> </span>analyser<span class=\"__10 _471\"/>at syftet med de \ufb01nansiella tillg\u00e5ngarna och ex<span class=\"__10 _d_9\"/>empelvis<span class=\"__10 _469\"> </span> tidigare f<span class=\"__10 _471\"/>\u00f6rs\u00e4ljningstrender och ers\u00e4ttning till ledningen.<span class=\"__10 _469\"> </span>Alla \ufb01nansiella tillg\u00e5ngar och skulder redo<span class=\"__10 _471\"/>visas till verkligt<span class=\"__10 _469\"> </span> v\u00e4rde vid f<span class=\"__10 _d_9\"/>\u00f6rsta redovisningstillf<span class=\"__10 _d_9\"/>\u00e4llet<span class=\"__10 _c_9\"/>. Klassi\ufb01ceringen av \ufb01nan<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>siella instrument i olik<span class=\"__10 _471\"/>a kategorier utg\u00f6r grunden f<span class=\"__10 _d_9\"/>\u00f6r hur varje<span class=\"__10 _469\"> </span> \ufb01nansiellt instrumen<span class=\"__10 _d_9\"/>t d\u00e4refter v\u00e4rderas i balansr<span class=\"__10 _d_9\"/>\u00e4kningen och<span class=\"__10 _c_9\"/> hur f\u00f6r<span class=\"__10 _471\"/>\u00e4ndringar i dess v\u00e4rde r<span class=\"__10 _d_9\"/>edovisas. T<span class=\"__10 _479\"/>abellen Klassi\ufb01cering a<span class=\"__10 _d_9\"/>v<span class=\"__10 _c_9\"/> \ufb01nansiella instrument i no<span class=\"__10 _d_9\"/>t K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d<span class=\"__10 _469\"> </span> visar i vilka olika kategorier de \ufb01nansiella ins<span class=\"__10 _d_9\"/>trumenten i <span class=\"wsb_9\">Nordea</span><span class=\"ls0_10\">s<span class=\"__10 _469\"> </span></span><span class=\"ls0_10\"> </span>balansr\u00e4kning har klassi\ufb01cer<span class=\"__10 _471\"/>ats enligt IFRS 9.<span class=\"__10 _469\"> </span><span class=\"__10 _469\">Upplupet anskaff</span><span class=\"__10 _471\"/>ningsv\u00e4rde<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar och skulder v\u00e4r<span class=\"__10 _471\"/>derade till upplupet anska<span class=\"__10 _471\"/><span class=\"__10 _469\">ff</span><span class=\"ls0_10 ws0_10\">-<span class=\"__10 _469\"> </span></span>ningsv\u00e4rde r<span class=\"__10 _471\"/>edovisas initialt i balansr\u00e4kningen till v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde,<span class=\"__10 _469\"> </span> inklusive transak<span class=\"__10 _d_9\"/>tionskostnader<span class=\"__10 _d_9\"/>. Efter f<span class=\"__10 _471\"/>\u00f6rsta redovisnings<span class=\"__10 _d_9\"/>tillf\u00e4llet<span class=\"__10 _469\"> </span> v\u00e4rder<span class=\"__10 _471\"/>as instrumen<span class=\"__10 _471\"/>t i denna kategori till upplupet ansk<span class=\"__10 _471\"/><span class=\"__10 _469\">affnings</span><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>v\u00e4rde. Vid v<span class=\"__10 _471\"/><span class=\"__10 _469\">\u00e4rdering till upplupet anskaff</span><span class=\"__10 _d_9\"/>ningsv\u00e4rde resulta<span class=\"__10 _471\"/>tf\u00f6rs<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">skillnaden mellan anskaffningsv</span><span class=\"__10 _471\"/>\u00e4rdet och inl\u00f6senv<span class=\"__10 _d_9\"/>\u00e4rdet \u00f6ver den<span class=\"__10 _469\"> </span> \u00e5terst\u00e5ende l\u00f6p<span class=\"__10 _d_9\"/><span class=\"__10 _469\">tiden med hj\u00e4lp av effek</span><span class=\"__10 _d_9\"/>tivr\u00e4ntemetoden. Upplu<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span><span class=\"__10 _469\">pet anskaffningsv</span><span class=\"__10 _471\"/>\u00e4rde de\ufb01nieras s<span class=\"__10 _471\"/>om det belopp till vilket den<span class=\"__10 _469\"> </span> \ufb01nansiella tillg\u00e5ngen eller skulden v\u00e4r<span class=\"__10 _d_9\"/>deras vid f\u00f6rsta redo<span class=\"__10 _471\"/>vis<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ningstillf<span class=\"__10 _471\"/>\u00e4llet, minus avbetalningar a<span class=\"__10 _d_9\"/>v kapitalbelopp, plus eller<span class=\"__10 _469\"> </span> minus ackumulerade a<span class=\"__10 _d_9\"/>vskrivningar p\u00e5 eventuell skillnad mellan<span class=\"__10 _469\"> </span>121<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>det ursprungliga beloppet och beloppet p\u00e5 f\u00f6rfallodagen och,<span class=\"__10 _469\"> </span> f\u00f6r \ufb01nansiella tillg\u00e5ngar<span class=\"__10 _479\"/>, justerat f<span class=\"__10 _d_9\"/>\u00f6r eventuell f<span class=\"__10 _d_9\"/>\u00f6rlustreserv<span class=\"__10 _d_9\"/>. De<span class=\"__10 _c_9\"/> ackumulerade a<span class=\"__10 _d_9\"/>vskrivningarna ber\u00e4knas genom att till\u00e4mpa<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">effek</span><span class=\"__10 _d_9\"/>tivr\u00e4ntemetoden. F<span class=\"__10 _d_9\"/>\u00f6r ytterligare inf<span class=\"__10 _d_9\"/><span class=\"__10 _469\">ormation om effektivr</span><span class=\"__10 _d_9\"/>\u00e4n<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>temetoden, se not K2.2 \u201dR\u00e4n<span class=\"__10 _d_9\"/>tenetto\u201d<span class=\"__10 _d_9\"/>. Inf<span class=\"__10 _471\"/>ormation om nedskriv<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ningar enligt IFRS 9 \ufb01nns i not K3.<span class=\"__10 _471\"/>7 \u201dUtl\u00e5ning\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>R\u00e4nta p\u00e5 tillg\u00e5ngar och sk<span class=\"__10 _471\"/>ulder i kategorin v<span class=\"__10 _d_9\"/>\u00e4rderade till<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">upplupet anskaffningsv</span><span class=\"__10 _d_9\"/>\u00e4rde redovisas normalt i resul<span class=\"__10 _471\"/>tatr\u00e4k<span class=\"__10 _d_9\"/>-<span class=\"__10 _469\"> </span>ningen under \u201dR\u00e4ntein<span class=\"__10 _d_9\"/>t\u00e4kter<span class=\"__10 _c_9\"/>\u201d respektiv<span class=\"__10 _d_9\"/>e \u201dR\u00e4ntekostnader\u201d<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar och skulder v\u00e4r<span class=\"__10 _471\"/>derade<span class=\"__10 _469\"> </span> till verkligt v\u00e4r<span class=\"__10 _471\"/>de via resul<span class=\"__10 _471\"/>tatr<span class=\"__10 _471\"/>\u00e4kningen<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar och skulder v\u00e4r<span class=\"__10 _471\"/>derade till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde via<span class=\"__10 _c_9\"/> resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen v\u00e4rderas till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde exklusive tr<span class=\"__10 _471\"/>ansak<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>tionskostnader<span class=\"__10 _479\"/>. F\u00f6r\u00e4ndringar i verkligt v<span class=\"__10 _471\"/>\u00e4rde f<span class=\"__10 _471\"/>\u00f6r dessa poster<span class=\"__10 _469\"> </span> redovisas normalt dir<span class=\"__10 _d_9\"/>ekt i resultatr<span class=\"__10 _d_9\"/>\u00e4kningen under \u201dNettoresultat<span class=\"__10 _469\"> </span> av pos<span class=\"__10 _d_9\"/>ter till verkligt v\u00e4rde\u201d<span class=\"__10 _479\"/>. Emellertid redovisas justeringar till<span class=\"__10 _469\"> </span> verkligt v\u00e4r<span class=\"__10 _471\"/>de av mar<span class=\"__10 _471\"/>ginalkomponen<span class=\"__10 _471\"/>ten f\u00f6r l\u00e5ne<span class=\"__10 _471\"/>for<span class=\"__10 _471\"/>dringar i port<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>f\u00f6ljer d\u00e4r a<span class=\"__10 _d_9\"/>vsikten \u00e4r att beh\u00e5lla ins<span class=\"__10 _471\"/>trumenten till f<span class=\"__10 _d_9\"/>\u00f6rfall och som<span class=\"__10 _469\"> </span> obligatorisk<span class=\"__10 _d_9\"/>t v\u00e4rderas till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de (uppfyller inte SPPI-krite<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>riet) separat i r<span class=\"__10 _d_9\"/>esultatr\u00e4kningen under posten \u201dNett<span class=\"__10 _d_9\"/>oresultat a<span class=\"__10 _471\"/>v<span class=\"__10 _469\"> </span> utl\u00e5ning i portf\u00f6ljer som h\u00e5lls till f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>fall och obligat<span class=\"__10 _471\"/>oriskt v<span class=\"__10 _d_9\"/>\u00e4rdera<span class=\"__10 _469\"> </span>s till verkligt v\u00e4r<span class=\"__10 _471\"/>de\u201d<span class=\"__10 _479\"/>. F\u00f6r mer inf<span class=\"__10 _d_9\"/>ormation, se not K2.4 \u201dSumma net<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>toresult<span class=\"__10 _471\"/>at a<span class=\"__10 _d_9\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__10 _479\"/>. F\u00f6r in<span class=\"__10 _d_9\"/>formation om ber\u00e4k<span class=\"__10 _d_9\"/><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ning av v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde, se not K3.4 \u201dV<span class=\"__10 _d_9\"/>erkligt v\u00e4rde\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>Den h\u00e4r kategorin har tv<span class=\"__10 _471\"/>\u00e5 underkategorier: \u201dObliga<span class=\"__10 _d_9\"/>toriskt v\u00e4r<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>derade till verkligt v<span class=\"__10 _471\"/>\u00e4rde via resul<span class=\"__10 _471\"/>tatr\u00e4kningen\u201d och \u201dF<span class=\"__10 _d_9\"/>r\u00e5n b\u00f6rjan<span class=\"__10 _469\"> </span> v\u00e4rder<span class=\"__10 _471\"/>ade till verkligt v\u00e4r<span class=\"__10 _471\"/>de via resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen (verkligt v\u00e4r<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>de-optionen)\u201d<span class=\"__10 _479\"/>. Underkategorin \u201dFr<span class=\"__10 _471\"/>\u00e5n b\u00f6rjan  <span class=\"__10 _2f_4\"/>v\u00e4rder<span class=\"__10 _471\"/>ade till verk<span class=\"__10 _471\"/><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ligt v\u00e4rde via r<span class=\"__10 _471\"/>esultatr<span class=\"__10 _d_9\"/>\u00e4kningen (verkligt v\u00e4rde-optionen)\u201d inne<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>b\u00e4r att \ufb01nansiella tillg\u00e5ngar och skulder kan v<span class=\"__10 _d_9\"/>\u00e4rderas till verkligt<span class=\"__10 _469\"> </span> v\u00e4rde sam<span class=\"__10 _d_9\"/>tidigt som skillnaderna i verkligt v\u00e4rde redovisas i<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen. Det h\u00e4r alternativet kan an<span class=\"__10 _471\"/>v\u00e4ndas om det eli<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>minerar eller a<span class=\"__10 _d_9\"/>vsev\u00e4rt minskar en bristande \u00f6verenss<span class=\"__10 _d_9\"/>t\u00e4mmelse i<span class=\"__10 _469\"> </span> redovisningen och f<span class=\"__10 _d_9\"/>\u00f6r skulder om de f\u00f6rvaltas baser<span class=\"__10 _d_9\"/>at p\u00e5 verk<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ligt v\u00e4rde. F<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i kreditrisk h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6rliga till skulder som<span class=\"__10 _469\"> </span> redan fr<span class=\"__10 _471\"/>\u00e5n b\u00f6rjan v\u00e4rder<span class=\"__10 _471\"/>ats till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde via resultatr\u00e4k<span class=\"__10 _d_9\"/><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ningen redovisas under \u00f6vrigt t<span class=\"__10 _d_9\"/>otalresultat, s\u00e5vida dett<span class=\"__10 _471\"/>a inte f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>anleder bristande \u00f6v<span class=\"__10 _d_9\"/>erensst\u00e4mmelse i redovisningen.<span class=\"__10 _469\"> </span>R\u00e4ntein<span class=\"__10 _d_9\"/>t\u00e4kter och r\u00e4n<span class=\"__10 _d_9\"/>tekostnader h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6rliga till balanspos-<span class=\"__10 _469\"> </span>ter redovisade till v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde via resultatr<span class=\"__10 _d_9\"/>\u00e4kningen klassi\ufb01-<span class=\"__10 _469\"> </span>ceras normalt s<span class=\"__10 _471\"/>om \u201dNettoresult<span class=\"__10 _471\"/>at a<span class=\"__10 _d_9\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span> F\u00f6r mer in<span class=\"__10 _d_9\"/>formation, se not K2.4 \u201dSumma nettor<span class=\"__10 _d_9\"/>esultat av pos-<span class=\"__10 _469\"> </span>ter till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de\u201d och not K2.2 \u201dR\u00e4ntenetto\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar v\u00e4rder<span class=\"__10 _471\"/>ade till  verkligt v\u00e4r<span class=\"__10 _471\"/>de via \u00f6vrigt to<span class=\"__10 _471\"/>talresul<span class=\"__10 _471\"/>tat<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar v\u00e4rder<span class=\"__10 _471\"/>ade till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de via \u00f6vrigt<span class=\"__10 _469\"> </span> totalr<span class=\"__10 _471\"/>esultat v<span class=\"__10 _d_9\"/>\u00e4rderas till verkligt v\u00e4rde med till\u00e4gg f<span class=\"__10 _d_9\"/>\u00f6r transak<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>tionskostnader<span class=\"__10 _479\"/>. F\u00f6r\u00e4ndringar i verkligt v<span class=\"__10 _471\"/>\u00e4rde, med undan<span class=\"__10 _471\"/>tag f\u00f6r<span class=\"__10 _469\"> </span> r\u00e4n<span class=\"__10 _471\"/>tor<span class=\"__10 _d_9\"/><span class=\"__10 _469\">, valutakurseff</span><span class=\"__10 _d_9\"/>ekter och nedskrivningar<span class=\"__10 _d_9\"/>, redovisas mot<span class=\"__10 _469\"> </span> verkligt v\u00e4r<span class=\"__10 _471\"/>de-reserven under eget kapital via \u00f6<span class=\"__10 _471\"/>vrigt totalr<span class=\"__10 _471\"/>esul<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>tat. R\u00e4nta redo<span class=\"__10 _d_9\"/>visas i resultatr\u00e4kningen under \u201dR\u00e4n<span class=\"__10 _d_9\"/>teint\u00e4kter\u201d<span class=\"__10 _d_9\"/>,<span class=\"__10 _469\"> </span> valutak<span class=\"__10 _471\"/><span class=\"__10 _469\">urseffek</span><span class=\"__10 _d_9\"/>ter under \u201dNettoresultat a<span class=\"__10 _d_9\"/>v poster till verkligt<span class=\"__10 _469\"> </span> v\u00e4rde\u201d och nedskrivningar under \u201dKr<span class=\"__10 _471\"/>editf\u00f6rlus<span class=\"__10 _d_9\"/>ter<span class=\"__10 _471\"/>, netto\u201d<span class=\"__10 _479\"/>. I sam<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>band med avyttring a<span class=\"__10 _d_9\"/>v ett instrument omklassi\ufb01cer<span class=\"__10 _471\"/>as de acku<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>mulerade f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringarna i verkligt v\u00e4rde, som tidigare har r<span class=\"__10 _d_9\"/>edo<span class=\"__10 _c_9\"/><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>visats i verkligt  <span class=\"__10 _2f_4\"/>v<span class=\"__10 _471\"/>\u00e4rde-reserven under \u00f6<span class=\"__10 _471\"/>vrigt totalr<span class=\"__10 _471\"/>esulta<span class=\"__10 _471\"/>t, fr\u00e5n<span class=\"__10 _469\"> </span> eget kapital till result<span class=\"__10 _471\"/>atr\u00e4kningen under \u201dNett<span class=\"__10 _471\"/>oresulta<span class=\"__10 _d_9\"/>t av poster<span class=\"__10 _469\"> </span> till verkligt v\u00e4r<span class=\"__10 _471\"/>de\u201d<span class=\"__10 _479\"/>. Information om nedskrivningar enligt IFRS 9<span class=\"__10 _469\"> </span> \ufb01nns i not K3.<span class=\"__10 _471\"/>7 \u201dUtl\u00e5ning\u201d och inf<span class=\"__10 _d_9\"/>ormation om ber\u00e4kning av<span class=\"__10 _469\"> </span> verkligt v\u00e4r<span class=\"__10 _471\"/>de \ufb01nns i not K3.4 \u201dV<span class=\"__10 _d_9\"/>erkligt v\u00e4rde\u201d<span class=\"__10 _469\"> </span><span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>Sammansatta \ufb01nansiella instrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _469\"> </span>Sammansatta \ufb01nansiella instrumen<span class=\"__10 _d_9\"/>t \u00e4r avtal som omf<span class=\"__10 _d_9\"/>attar<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">ett v\u00e4rda</span><span class=\"__10 _d_9\"/>vtal och ett inb\u00e4ddat derivat. S\u00e5dana kombinationer<span class=\"__10 _469\"> </span>  <span class=\"__10 _2f_4\"/>uppst\u00e5r huvudsakligen i samband med emissioner a<span class=\"__10 _d_9\"/>v strukture<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>rade skuldins<span class=\"__10 _d_9\"/>trument<span class=\"__10 _c_9\"/>, s\u00e5som emitterade inde<span class=\"__10 _d_9\"/>xobligationer och<span class=\"__10 _469\"> </span> l\u00e5nefor<span class=\"__10 _471\"/>dringar med inb\u00e4ddade r\u00e4n<span class=\"__10 _471\"/>tekorridorer och r<span class=\"__10 _d_9\"/>\u00e4ntetak.<span class=\"__10 _469\"> </span>F\u00f6r s<span class=\"__10 _471\"/>truktur<span class=\"__10 _471\"/>erade obligationer som har emitt<span class=\"__10 _d_9\"/>erats av Markets till\u00e4mpar Nordea<span class=\"ws0_10\"> verkligt v<span class=\"__10 _d_9\"/>\u00e4rde-optionen, och hela det samman<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></span>satta instrumen<span class=\"__10 _d_9\"/>tet<span class=\"__10 _c_9\"/>, v\u00e4rda<span class=\"__10 _d_9\"/>vtalet och det inb\u00e4ddade derivatet, v\u00e4r<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>deras till verkligt v<span class=\"__10 _471\"/>\u00e4rde via resul<span class=\"__10 _471\"/>tatr\u00e4kningen och r<span class=\"__10 _d_9\"/>edovisas under \u201dEmitterade v<span class=\"__10 _471\"/>\u00e4rdepapper<span class=\"__10 _c_9\"/>\u201d i balansr\u00e4kningen. F<span class=\"__10 _471\"/>\u00f6r\u00e4ndring<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ar i verkligt v\u00e4r<span class=\"__10 _471\"/>de redovisas i re<span class=\"__10 _471\"/>sultatr<span class=\"__10 _d_9\"/>\u00e4kningen under \u201dNettore<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>sultat a<span class=\"__10 _d_9\"/>v poster till verkligt v\u00e4r<span class=\"__10 _471\"/>de\u201d<span class=\"__10 _479\"/>, med undantag f\u00f6r f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndring<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ar i <span class=\"wsd_9\">Nordea</span>s egna kreditrisk som r<span class=\"__10 _471\"/>edovisas i \u00f6vrigt to<span class=\"__10 _d_9\"/>talresultat.<span class=\"__10 _469\"> </span>Emitterade skuld- och eget k<span class=\"__10 _471\"/>apital-instrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _469\"> </span>Ett \ufb01nansiellt instrumen<span class=\"__10 _d_9\"/>t emitterat av <span class=\"wse_9\">Nor<span class=\"__10 _d_9\"/>dea<span class=\"ws0_10\"> klassi\ufb01ceras </span></span>antingen som en \ufb01nansiell sk<span class=\"__10 _471\"/>uld eller som eget kapital. Emitte<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>rade \ufb01nansiella instrumen<span class=\"__10 _d_9\"/>t klassi\ufb01ceras som \ufb01nansiella skulder om avtalsf<span class=\"__10 _d_9\"/>\u00f6rh\u00e5llandena inneb\u00e4r att <span class=\"wse_9\">Nordea</span> har en be\ufb01ntlig f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>pliktels<span class=\"__10 _471\"/>e att antingen erl\u00e4gga k<span class=\"__10 _d_9\"/>ontanter eller annan \ufb01nansiell tillg\u00e5ng, eller ett variabelt an<span class=\"__10 _d_9\"/>tal eget kapital-instrument, till innehav<span class=\"__10 _d_9\"/>aren av instrumen<span class=\"__10 _d_9\"/>tet<span class=\"__10 _c_9\"/>. Om s\u00e5 inte \u00e4r f<span class=\"__10 _d_9\"/>allet \u00e4r instrumen<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>tet vanligtvis ett eget kapital<span class=\"__10 _d_9\"/>-instrument och klassi\ufb01ceras som eget kapital, med av<span class=\"__10 _471\"/>drag f<span class=\"__10 _d_9\"/>\u00f6r transaktionskostnader<span class=\"__10 _479\"/>. Om emit<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>terade \ufb01nansiella ins<span class=\"__10 _471\"/>trument inneh\u00e5ller b\u00e5de en sk<span class=\"__10 _471\"/>uld- och en eget kapital-del, redovisas dessa delar separ<span class=\"__10 _d_9\"/>at<span class=\"__10 _c_9\"/>.<span class=\"__10 _469\"> </span>Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__10 _d_9\"/>ttningar Nordea<span class=\"ws0_10\"> klassi\ufb01cerar \ufb01nansiella tillg\u00e5ngar utif<span class=\"__10 _d_9\"/><span class=\"__10 _469\">r\u00e5n den aff\u00e4rsmo</span><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></span>dell som anv\u00e4nds f<span class=\"__10 _d_9\"/><span class=\"__10 _469\">\u00f6r tillg\u00e5ngarna. N\u00e4r aff\u00e4rsmodellen f\u00f6r obliga</span><span class=\"__10 _d_9\"/><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span><span class=\"__10 _469\">tioner i likviditetsbufferten ska f</span><span class=\"__10 _d_9\"/>astst\u00e4llas anv<span class=\"__10 _471\"/>\u00e4nder sig <span class=\"wsf_9\">Nordea<span class=\"lsb_9 ws10_9\"> av<span class=\"__10 _c_9\"/> </span></span>kritiska bed\u00f6mningar<span class=\"__10 _d_9\"/><span class=\"__10 _469\">. Obligationerna i likviditetsbuff</span><span class=\"__10 _471\"/>erten delas in i tre portf\u00f6ljer<span class=\"__10 _479\"/>. <span class=\"wsf_9\">Nordea</span> har f\u00f6r den f\u00f6rs<span class=\"__10 _471\"/>ta portf\u00f6ljen f<span class=\"__10 _471\"/>astst\u00e4ll<span class=\"__10 _d_9\"/>t att<span class=\"__10 _c_9\"/> <span class=\"__10 _469\">aff\u00e4rsmodellen \u00e4r a</span><span class=\"__10 _471\"/>tt beh\u00e5lla obligationerna och inkasser<span class=\"__10 _471\"/>a avt<span class=\"__10 _471\"/>al<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>senliga kassafl\u00f6den sam<span class=\"__10 _471\"/>t att s\u00e4lja \ufb01nansiella tillg\u00e5ngar<span class=\"__10 _479\"/>. F\u00f6r den andra portf\u00f6ljen har <span class=\"wsf_9\">Nor<span class=\"__10 _471\"/>dea<span class=\"ws0_10\"> fas<span class=\"__10 _471\"/>tst\u00e4llt a<span class=\"__10 _471\"/><span class=\"__10 _469\">tt aff</span><span class=\"__10 _471\"/>\u00e4rsmodellen \u00e4r att </span></span>f\u00f6rvalt<span class=\"__10 _471\"/>a obligationerna med m\u00e5let att r<span class=\"__10 _471\"/>ealisera kassa<span class=\"__10 _471\"/>fl\u00f6den genom att s\u00e4lja tillg\u00e5ngar<span class=\"__10 _d_9\"/>. F\u00f6r den tr<span class=\"__10 _471\"/>edje portf\u00f6ljen har <span class=\"wsf_9\">Nordea</span><span class=\"ls0_10\"> </span>fas<span class=\"__10 _471\"/>tst\u00e4llt a<span class=\"__10 _d_9\"/><span class=\"__10 _469\">tt aff\u00e4rsmodellen \u00e4r att beh\u00e5lla obligationerna och </span>inkassera a<span class=\"__10 _d_9\"/>vtalsenliga kassafl\u00f6den. Obligationerna i den f<span class=\"__10 _471\"/>\u00f6rsta portf\u00f6ljen v\u00e4r<span class=\"__10 _471\"/>deras till verkligt v<span class=\"__10 _471\"/>\u00e4rde via \u00f6vrigt to<span class=\"__10 _d_9\"/>talresultat, obli<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>gationerna i den andra portf<span class=\"__10 _471\"/>\u00f6ljen v\u00e4rder<span class=\"__10 _d_9\"/>as till verkligt v\u00e4rde via resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen och den tredje portf\u00f6ljen v\u00e4rder<span class=\"__10 _471\"/>as till upplupet <span class=\"__10 _469\">anskaffningsv</span><span class=\"__10 _471\"/>\u00e4rde. V<span class=\"__10 _d_9\"/>\u00e4rdet p\u00e5 r\u00e4n<span class=\"__10 _471\"/>teb\u00e4rande v<span class=\"__10 _471\"/>\u00e4rdepapper<span class=\"__10 _d_9\"/>, inklu<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>sive pantsa<span class=\"__10 _d_9\"/><span class=\"__10 _469\">tta \ufb01nansiella instrument i likviditetsbuff</span><span class=\"__10 _d_9\"/>er<span class=\"__10 _c_9\"/>ten, som v\u00e4rder<span class=\"__10 _471\"/>as till verkligt v\u00e4r<span class=\"__10 _471\"/>de via \u00f6vrigt to<span class=\"__10 _471\"/>talresulta<span class=\"__10 _d_9\"/>t (f\u00f6rsta portf\u00f6l<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>jen), verkligt v\u00e4r<span class=\"__10 _471\"/>de via resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen (andra portf\u00f6ljen) och <span class=\"__10 _469\">upplupet anskaffningsv</span><span class=\"__10 _d_9\"/>\u00e4rde (tredje portf\u00f6ljen) uppgick vid \u00e5rets <span class=\"__10 _469\">slut till 32 495 mn euro (33 972 mn euro), 2</span><span class=\"__10 _471\"/>4 078 mn euro (2<span class=\"ws0_10\"><span class=\"__10 _469\">3 548 mn euro) respek</span><span class=\"__10 _471\"/>tive 41 mn euro (88 mn eur<span class=\"__10 _471\"/>o).<span class=\"__10 _469\"> </span></span>Nordea<span class=\"ws0_10\"> klassi\ufb01cerar ocks\u00e5 \ufb01nansiella tillg\u00e5ngar utif<span class=\"__10 _d_9\"/>r\u00e5n huru<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></span>vida avtalsvillk<span class=\"__10 _d_9\"/>oren f\u00f6r de \ufb01nansiella tillg\u00e5ngarna ger upphov till kassafl\u00f6den som utesl<span class=\"__10 _471\"/>utande utg\u00f6rs av bet<span class=\"__10 _471\"/>alning av k<span class=\"__10 _471\"/>apitalbe<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>lopp och r\u00e4n<span class=\"__10 _471\"/>ta p\u00e5 utest\u00e5ende k<span class=\"__10 _471\"/>apitalbelopp (SPPI, solely pa<span class=\"__10 _d_9\"/>y<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ment of principal and in<span class=\"__10 _d_9\"/>terest). Vissa l\u00e5nea<span class=\"__10 _471\"/>vtal hos <span class=\"wsf_9\">Nordea</span> inne<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>fa<span class=\"__10 _471\"/>ttar villkor som kopplar samman a<span class=\"__10 _d_9\"/>vtalsenliga kassafl\u00f6den med kundernas uppfyllelse a<span class=\"__10 _d_9\"/>v ESG-m\u00e5l (m\u00e5l avseende milj\u00f6, social<span class=\"__10 _d_9\"/>t<span class=\"__10 _c_9\"/> ansvar och bolagsstyrning). Vid \u00e5r<span class=\"__10 _471\"/>ets slut uppgick det redovisade <span class=\"__10 _469\">v\u00e4rdet p\u00e5 dessa h\u00e5llbarhetsl\u00e4nkade l\u00e5n till 6 775 mn euro </span>(<span class=\"ls8_9\"><span class=\"__10 _469\">2 098 mn euro</span><span class=\"__10 _d_9\"/>). <span class=\"wsf_9\">Nordea</span> anser att dessa l\u00e5n uppfyller SPPI-kra<span class=\"__10 _471\"/><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></span>ven i fr<span class=\"__10 _471\"/>\u00e5ga om att m\u00e5len \u00e4r kundspeci\ufb01ka. <span class=\"wsf_9\">Nor<span class=\"__10 _d_9\"/>dea<span class=\"ws0_10\">s bed\u00f6mning<span class=\"__10 _c_9\"/> </span></span>\u00e4r f\u00f6ljak<span class=\"__10 _d_9\"/>tligen att f\u00f6r\u00e4ndringen i a<span class=\"__10 _d_9\"/>vtalsenliga kassafl\u00f6den beror p\u00e5 den f\u00f6r<span class=\"__10 _471\"/>\u00e4ndrade kreditrisk<span class=\"__10 _471\"/>en till f\u00f6ljd a<span class=\"__10 _d_9\"/>v att kunden uppfyllt, eller inte upp<span class=\"__10 _471\"/>fyllt, ett ESG-m\u00e5l.<span class=\"__10 _469\"> </span>Nordea klassi\ufb01cerar emitt<span class=\"__10 _d_9\"/>erade eviga efterst\u00e4llda instru-<span class=\"__10 _469\"> </span>ment som an<span class=\"__10 _d_9\"/>tingen \ufb01nansiella skulder eller eget kapital. Nordea g\u00f6r bed\u00f6mningar f<span class=\"__10 _471\"/>\u00f6r att f<span class=\"__10 _471\"/>astst\u00e4lla om ins<span class=\"__10 _d_9\"/>trumentet innefa<span class=\"__10 _471\"/>ttar ett kra<span class=\"__10 _d_9\"/>v p\u00e5 r\u00e4ntebetalning, ber<span class=\"__10 _471\"/>oende p\u00e5 om en fram-<span class=\"__10 _469\"> </span>tida os\u00e4ker h\u00e4ndelse bortom b\u00e5de emitten<span class=\"__10 _471\"/>tens och inneha<span class=\"__10 _471\"/>va-<span class=\"__10 _469\"> </span>rens kon<span class=\"__10 _d_9\"/><span class=\"__10 _469\">troll intr\u00e4ff</span><span class=\"__10 _d_9\"/>ar eller inte intr<span class=\"__10 _471\"/><span class=\"__10 _469\">\u00e4ffar<span class=\"__10 _469\"> </span></span><span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>K3.3  Klassi\ufb01cering och v\u00e4rdering, forts.<span class=\"__10 _469\"> </span>122<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>Klassi\ufb01cering a<span class=\"__10 _d_9\"/>v \ufb01nansiella instrument<span class=\"__10 _469\"> </span>Tillg\u00e5ngar<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade<span class=\"__10 _469\"> </span> till verkligt v\u00e4rde via<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _471\"/>tr\u00e4kningen<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt<span class=\"__10 _469\"> </span> v\u00e4rde via<span class=\"__10 _469\"> </span> \u00f6vrigt<span class=\"__10 _469\"> </span> total-<span class=\"__10 _469\"> </span>resulta<span class=\"__10 _471\"/>t<span class=\"__10 _469\"> </span> Summ<span class=\"__10 _469\"> </span>a <span class=\"__10 _2b_4\"/> \ufb01nansiell<span class=\"__10 _469\"> </span>a  tillg\u00e5ngar<span class=\"__10 _500\"/>31 dec 2022, mn euro<span class=\"__10 _469\"> </span>Upplupet <span class=\"__10 _2b_4\"/> <span class=\"__10 _469\">anskaffnings-<span class=\"__10 _469\"> </span></span>v\u00e4rde <span class=\"__10 _501\"> </span>Obligatorisk<span class=\"__10 _471\"/>t<span class=\"__10 _469\"> </span>Fr\u00e5n b\u00f6rjan<span class=\"__10 _469\"> </span> v\u00e4rderade till<span class=\"__10 _469\"> </span> verkligt <span class=\"__10 _502\"> </span>v\u00e4rde  (verkligt v\u00e4rde-<span class=\"__10 _469\"> </span> optionen)<span class=\"__10 _469\"> </span>Kassa och tillgodoha<span class=\"__10 _471\"/>vanden hos cen<span class=\"__10 _471\"/>tralbanker<span class=\"__10 _469\"> </span>61 815<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _1f_6\"> </span>61 81<span class=\"__10 _469\"> </span>5<span class=\"__10 _469\"> </span>Utl\u00e5ning till centr<span class=\"__10 _471\"/>albanker <span class=\"__10 _506\"> </span>6<span class=\"__10 _507\"> </span>879<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _508\"> </span>885<span class=\"__10 _469\"> </span>Utl\u00e5ning till kreditinstitut<span class=\"__10 _509\"> </span>2 831<span class=\"__10 _505\"> </span><span class=\"lsd_8 ws13_9\">1<span class=\"__10 _1d_6\"/> 74<span class=\"__10 _1d_6\"/>2<span class=\"__10 _3a_5\"> </span></span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _483\"> </span><span class=\"ls4_9 ws7_9\">4 573<span class=\"__10 _469\"> </span></span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__10 _3b_4\"> </span>275 116<span class=\"__10 _508\"> </span>70 627<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _3c_4\"> </span>345 7<span class=\"__10 _d_9\"/>43<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/>ande v\u00e4rdepapper<span class=\"__10 _3d_4\"> </span>3 660<span class=\"__10 _3e_4\"> </span>21 417<span class=\"__10 _3f_4\"> </span>8 073<span class=\"__10 _510\"> </span>30 37<span class=\"__10 _d_9\"/>4<span class=\"__10 _2a_4\"> </span>63 5<span class=\"__10 _c_9\"/>24<span class=\"__10 _469\"> </span>Pan<span class=\"__10 _471\"/>tsatta \ufb01nansiella instrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _511\"> </span>\u2013<span class=\"__10 _512\"> </span>2 661<span class=\"__10 _513\"> </span>120<span class=\"__10 _514\"> </span>2 121<span class=\"__10 _515\"> </span>4 902<span class=\"__10 _469\"> </span>Aktier och andelar<span class=\"__10 _516\"> </span>\u2013<span class=\"__10 _498\"> </span>17 924<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _1f_6\"> </span>17 92<span class=\"__10 _471\"/>4<span class=\"__10 _469\"> </span>Tillg\u00e5ngar i placeringsportf\u00f6ljer och f<span class=\"__10 _471\"/>ondf\u00f6rs\u00e4kringsa<span class=\"__10 _471\"/>vtal<span class=\"__10 _517\"> </span>\u2013<span class=\"__10 _518\"> </span>40 289<span class=\"__10 _519\"> </span>666<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _4a_2\"> </span>40 955<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _4b_2\"> </span>\u2013<span class=\"__10 _496\"> </span>36 578<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _2a_4\"> </span>36 578<span class=\"__10 _469\"> </span>F\u00f6r\u00e4ndring a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde f\u00f6r r<span class=\"__10 _d_9\"/>\u00e4ntes\u00e4krade poster i s\u00e4kringsportf<span class=\"__10 _471\"/>\u00f6ljer<span class=\"__10 _4c_2\"> </span>-2 116<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _514\"> </span>-<span class=\"__10 _d_9\"/>2 116<span class=\"__10 _469\"> </span><span class=\"__10 _469\">\u00d6vriga tillg\u00e5ngar1</span><span class=\"__10 _4d_2\"> </span>2 261<span class=\"__10 _4e_2\"> </span>6 360<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _483\"> </span>8 621<span class=\"__10 _469\"> </span>F\u00f6rutbetalda k<span class=\"__10 _471\"/>ostnader och upplupna int<span class=\"__10 _471\"/>\u00e4kter<span class=\"__10 _469\"> </span>475<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _498\"> </span>47<span class=\"__10 _469\"> </span>5<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _4f_2\"> </span>344 048<span class=\"__10 _520\"> </span>198 477<span class=\"__10 _521\"> </span>8 859<span class=\"__10 _3c_4\"> </span>32 495<span class=\"__10 _522\"> </span>583 879<span class=\"__10 _469\"> </span>1) V<span class=\"__10 _d_9\"/>arav st\u00e4llda marginals\u00e4kerheter klassi\ufb01c<span class=\"__10 _471\"/>erade i kategorin Finansiella tillg\u00e5ngar v<span class=\"__10 _471\"/>\u00e4rderade till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de via resultatr\u00e4kningen obligatorisk<span class=\"__10 _471\"/>t 6 046 mn euro<span class=\"__10 _469\"> </span>.<span class=\"__10 _469\"> </span>Skulder<span class=\"__10 _469\"> </span>Finansiella skulder v\u00e4rderade till<span class=\"__10 _469\"> </span> verkligt v\u00e4rde via<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _471\"/>tr\u00e4kningen<span class=\"__10 _469\"> </span>Summ<span class=\"__10 _469\"> </span>a<span class=\"__10 _469\"> </span> \ufb01nansiell<span class=\"__10 _469\"> </span>a<span class=\"__10 _469\"> </span> skulder<span class=\"__10 _500\"/>31 dec 2022, mn euro<span class=\"__10 _469\"> </span>Upplupet<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">anskaffnings-<span class=\"__10 _469\"> </span></span>v\u00e4rde <span class=\"__10 _523\"> </span>Obligatoriska<span class=\"__10 _469\"> </span>Fr\u00e5n b\u00f6rjan <span class=\"__10 _2b_4\"/> v\u00e4rderade till<span class=\"__10 _469\"> </span> verkligt <span class=\"__10 _502\"> </span>v\u00e4rde  (verkligt v\u00e4rde-<span class=\"__10 _469\"> </span> optionen)<span class=\"__10 _469\"> </span>Skulder till kreditinstitut<span class=\"__10 _524\"> </span>22 423<span class=\"__10 _496\"> </span>10 446<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _4a_2\"> </span>32 869<span class=\"__10 _469\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__10 _525\"> </span>210 814<span class=\"__10 _4e_2\"> </span>6 650<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _3c_4\"> </span>217 464<span class=\"__10 _469\"> </span>Inl\u00e5ning i placeringsportf\u00f6ljer och f<span class=\"__10 _471\"/>ondf\u00f6rs\u00e4kringsa<span class=\"__10 _471\"/>vtal<span class=\"__10 _526\"> </span>\u2013<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _4e_2\"> </span><span class=\"ls4_9 ws7_9\">42<span class=\"__10 _c_9\"/> 776<span class=\"__10 _491\"> </span>4<span class=\"__10 _c_9\"/>2 7<span class=\"__10 _c_9\"/>76<span class=\"__10 _469\"> </span></span>Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper <span class=\"__10 _527\"> </span>128 488<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _505\"> </span>5<span class=\"__10 _d_9\"/>1 315<span class=\"__10 _3c_4\"> </span>179 803<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t <span class=\"__10 _528\"> </span>\u2013<span class=\"__10 _496\"> </span>40 102<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _491\"> </span>40 102<span class=\"__10 _469\"> </span>F\u00f6r\u00e4ndring a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde f\u00f6r r<span class=\"__10 _d_9\"/>\u00e4ntes\u00e4krade poster i s\u00e4kringsportf<span class=\"__10 _471\"/>\u00f6ljer<span class=\"__10 _529\"> </span>-2 175<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _5a_2\"> </span>-2 175<span class=\"__10 _469\"> </span><span class=\"__10 _469\">\u00d6vriga skulder1</span><span class=\"__10 _5b_2\"> </span>5 225<span class=\"__10 _498\"> </span>10 202<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _5c_2\"> </span>15 427<span class=\"__10 _469\"> </span>Upplupna kostnader och f<span class=\"__10 _d_9\"/>\u00f6rutbetalda int\u00e4kter<span class=\"__10 _5d_2\"> </span>7<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _5e_2\"> </span>7<span class=\"__10 _469\"> </span>Efterst\u00e4llda sk<span class=\"__10 _471\"/>ulder<span class=\"__10 _5f_2\"> </span>5 401<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _483\"> </span>5 401<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _530\"> </span>370 183<span class=\"__10 _518\"> </span>67 400<span class=\"__10 _3e_4\"> </span>94 091<span class=\"__10 _531\"> </span>531 67<span class=\"__10 _d_9\"/>4<span class=\"__10 _469\"> </span>1)  V<span class=\"__10 _471\"/>arav leasingsk<span class=\"__10 _471\"/>ulder klassi\ufb01cerade i kat<span class=\"__10 _471\"/><span class=\"__10 _469\">egorin Upplupet anskaffningsv\u00e4r</span><span class=\"__10 _471\"/>de 1 080 mn euro<span class=\"__10 _469\"> </span>.<span class=\"__10 _469\"> </span>K3.3  Klassi\ufb01cering och v\u00e4rdering, forts.<span class=\"__10 _469\"> </span>123<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>K3.3  Klassi\ufb01cering av och v\u00e4rdering, forts.<span class=\"__10 _469\"> </span>Klassi\ufb01cering a<span class=\"__10 _d_9\"/>v \ufb01nansiella instrument<span class=\"__10 _469\"> </span>Tillg\u00e5ngar<span class=\"__10 _469\"> </span>31 dec 2021, mn euro<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade <span class=\"__10 _2b_4\"/> till verkligt v\u00e4rde via<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _471\"/>tr\u00e4kningen<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt<span class=\"__10 _469\"> </span> v\u00e4rde via<span class=\"__10 _469\"> </span> \u00f6vrigt<span class=\"__10 _469\"> </span> total-<span class=\"__10 _469\"> </span>resulta<span class=\"__10 _471\"/>t<span class=\"__10 _469\"> </span> Upplupet <span class=\"__10 _2b_4\"/> <span class=\"__10 _469\">anskaffnings-<span class=\"__10 _469\"> </span></span>v\u00e4rde <span class=\"__10 _523\"> </span>Obligatoriska<span class=\"__10 _469\"> </span>Fr\u00e5n b\u00f6rjan<span class=\"__10 _469\"> </span> v\u00e4rderade till<span class=\"__10 _469\"> </span> verkligt <span class=\"__10 _502\"> </span>v\u00e4rde  (verkligt<span class=\"__10 _469\"> </span> v\u00e4rde-<span class=\"__10 _469\"> </span> optionen)<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _469\"> </span> \ufb01nansiella<span class=\"__10 _469\"> </span> tillg\u00e5ngar<span class=\"__10 _469\"> </span>Kassa och tillgodoha<span class=\"__10 _471\"/>vanden hos cen<span class=\"__10 _471\"/>tralbanker<span class=\"__10 _469\"> </span>47 495<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _2a_4\"> </span>47 495<span class=\"__10 _469\"> </span>Utl\u00e5ning till centr<span class=\"__10 _471\"/>albanker <span class=\"__10 _532\"> </span>5<span class=\"__10 _5e_2\"> </span>404<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _496\"> </span>409<span class=\"__10 _469\"> </span>Utl\u00e5ning till kreditinstitut<span class=\"__10 _533\"> </span>1 791<span class=\"__10 _534\"> </span>192<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _483\"> </span>1 983<span class=\"__10 _469\"> </span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__10 _535\"> </span>269 87<span class=\"__10 _d_9\"/>4<span class=\"__10 _494\"> </span><span class=\"ls4_9 ws7_9\">7<span class=\"__10 _c_9\"/>5 176<span class=\"__10 _504\"> </span></span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _522\"> </span>345 050<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/>ande v\u00e4rdepapper<span class=\"__10 _3d_4\"> </span>3 448<span class=\"__10 _496\"> </span>21 880<span class=\"__10 _521\"> </span>4 083<span class=\"__10 _510\"> </span>33 972<span class=\"__10 _2a_4\"> </span>63 383<span class=\"__10 _469\"> </span>Pan<span class=\"__10 _471\"/>tsatta \ufb01nansiella instrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _511\"> </span>\u2013<span class=\"__10 _536\"> </span>1 668<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _483\"> </span>1 668<span class=\"__10 _469\"> </span>Aktier och andelar<span class=\"__10 _516\"> </span>\u2013<span class=\"__10 _537\"> </span>15 217<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _538\"> </span>15 217<span class=\"__10 _469\"> </span>Tillg\u00e5ngar i placeringsportf\u00f6ljer och f<span class=\"__10 _471\"/>ondf\u00f6rs\u00e4kringsa<span class=\"__10 _471\"/>vtal<span class=\"__10 _517\"> </span>\u2013<span class=\"__10 _518\"> </span>46 030<span class=\"__10 _519\"> </span>280<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _491\"> </span>46 310<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _4b_2\"> </span>\u2013<span class=\"__10 _518\"> </span>30 200<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _4a_2\"> </span>30 200<span class=\"__10 _469\"> </span>F\u00f6r\u00e4ndring a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde f\u00f6r r<span class=\"__10 _d_9\"/>\u00e4ntes\u00e4krade poster i s\u00e4kringsportf<span class=\"__10 _471\"/>\u00f6ljer<span class=\"__10 _539\"> </span>-65<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>-65<span class=\"__10 _469\"> </span><span class=\"__10 _469\">\u00d6vriga tillg\u00e5ngar1</span><span class=\"__10 _527\"> </span>829<span class=\"__10 _512\"> </span>7 265<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _5a_2\"> </span>8 094<span class=\"__10 _469\"> </span>F\u00f6rutbetalda k<span class=\"__10 _471\"/>ostnader och upplupna int<span class=\"__10 _471\"/>\u00e4kter<span class=\"__10 _469\"> </span>609<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _496\"> </span>609<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _6a_2\"> </span>323 986<span class=\"__10 _520\"> </span>198 032<span class=\"__10 _521\"> </span>4 363<span class=\"__10 _6b_2\"> </span>33 972<span class=\"__10 _6c_2\"> </span>560 353<span class=\"__10 _469\"> </span>1) V<span class=\"__10 _d_9\"/>arav st\u00e4llda marginals\u00e4kerheter klassi\ufb01c<span class=\"__10 _471\"/>erade i kategorin Finansiella tillg\u00e5ngar v<span class=\"__10 _471\"/>\u00e4rderade till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de via resultatr\u00e4kningen obligatorisk<span class=\"__10 _471\"/>t 6 578 mn euro.<span class=\"__10 _469\"> </span><span class=\"__10 _469\">Skulder1<span class=\"__10 _469\"> </span></span>31 dec 2021, mn euro<span class=\"__10 _469\"> </span>Finansiella skulder v\u00e4rderade  till verkligt v\u00e4rde via<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _471\"/>tr\u00e4kningen<span class=\"__10 _469\"> </span>Upplupet<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">anskaffnings-<span class=\"__10 _469\"> </span></span>v\u00e4rde <span class=\"__10 _523\"> </span>Obligatoriska<span class=\"__10 _469\"> </span>Fr\u00e5n b\u00f6rjan <span class=\"__10 _2b_4\"/> v\u00e4rderade till <span class=\"__10 _2b_4\"/> verkligt v\u00e4rde<span class=\"__10 _469\"> </span> (verkligt v\u00e4rde<span class=\"__10 _469\"> </span> -optionen)<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _469\"> </span> \ufb01nansiella<span class=\"__10 _469\"> </span> tillg\u00e5ngar<span class=\"__10 _469\"> </span>Skulder till kreditinstitut<span class=\"__10 _6d_2\"> </span>23 646<span class=\"__10 _505\"> </span>3 315<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _491\"> </span>26,961<span class=\"__10 _469\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__10 _6e_2\"> </span>203 162<span class=\"__10 _536\"> </span>2 639<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>205,801<span class=\"__10 _469\"> </span>Inl\u00e5ning i placeringsportf\u00f6ljer och f<span class=\"__10 _471\"/>ondf\u00f6rs\u00e4kringsa<span class=\"__10 _471\"/>vtal<span class=\"__10 _526\"> </span>\u2013<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>48 201<span class=\"__10 _2a_4\"> </span><span class=\"lse_8 ws14_9\">48,201<span class=\"__10 _469\"> </span></span>Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper <span class=\"__10 _540\"> </span>118 358<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _537\"> </span>58 007<span class=\"__10 _531\"> </span>176 365<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t <span class=\"__10 _528\"> </span>\u2013<span class=\"__10 _508\"> </span>31 485<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _491\"> </span>31 485<span class=\"__10 _469\"> </span>F\u00f6r\u00e4ndring a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde f\u00f6r r<span class=\"__10 _d_9\"/>\u00e4ntes\u00e4krade poster i s\u00e4kringsportf<span class=\"__10 _471\"/>\u00f6ljer<span class=\"__10 _f_9\"> </span>101<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>101<span class=\"__10 _469\"> </span><span class=\"__10 _469\">\u00d6vriga skulder2</span><span class=\"__10 _541\"> </span>4 307<span class=\"__10 _494\"> </span>11 87<span class=\"__10 _c_9\"/>3<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _5c_2\"> </span>16 180<span class=\"__10 _469\"> </span>Upplupna kostnader och f<span class=\"__10 _d_9\"/>\u00f6rutbetalda int\u00e4kter<span class=\"__10 _542\"> </span>8<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _485\"> </span>8<span class=\"__10 _469\"> </span>Efterst\u00e4llda sk<span class=\"__10 _471\"/>ulder<span class=\"__10 _543\"> </span>6 850<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _514\"> </span>6 850<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _544\"> </span>356 432<span class=\"__10 _508\"> </span>49 312<span class=\"__10 _545\"> </span>106 208<span class=\"__10 _6b_2\"> </span>511 952<span class=\"__10 _469\"> </span>1)  Skulder till f\u00f6rs\u00e4kringstagare har under 2022 klassi\ufb01c<span class=\"__10 _471\"/>erats som f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s\u00e4kringsavtal och ing\u00e5r in<span class=\"__10 _471\"/>te i upplysningarna ov<span class=\"__10 _471\"/>an. J\u00e4mf\u00f6r<span class=\"__10 _471\"/><span class=\"__10 _469\">elsesiffrorna har r\u00e4kna</span><span class=\"__10 _d_9\"/>ts om.<span class=\"__10 _469\"> </span>2)  V<span class=\"__10 _471\"/>arav leasingsk<span class=\"__10 _471\"/>ulder klassi\ufb01cerade i kat<span class=\"__10 _471\"/><span class=\"__10 _469\">egorin Upplupet anskaffningsv\u00e4r</span><span class=\"__10 _471\"/>de 1 147 mn euro<span class=\"__10 _469\"> </span>.<span class=\"__10 _469\"> </span><span class=\"__10 _469\">Upplupet anskaff</span><span class=\"__10 _471\"/>ningsv\u00e4rde<span class=\"__10 _469\"> </span>Den h\u00e4r kategorin om<span class=\"__10 _d_9\"/>fattar huvudsakligen all utl\u00e5ning (inklu-<span class=\"__10 _469\"> </span>sive l\u00e5nef<span class=\"__10 _471\"/>ordringar med inb\u00e4ddade r\u00e4n<span class=\"__10 _d_9\"/>tekorridorer och r\u00e4n<span class=\"__10 _471\"/>te-<span class=\"__10 _469\"> </span>tak) och inl\u00e5ning, med undantag f<span class=\"__10 _d_9\"/>\u00f6r omv\u00e4nda repor<span class=\"__10 _d_9\"/>/repor och avtal om v<span class=\"__10 _d_9\"/>\u00e4rdepappersl\u00e5n inom Markets och hypoteksl\u00e5n i Nordea Kredit R<span class=\"__10 _471\"/>ealkreditak<span class=\"__10 _471\"/>tieselskab. K<span class=\"__10 _d_9\"/>ategorin omfa<span class=\"__10 _d_9\"/>ttar ocks\u00e5 r\u00e4n<span class=\"__10 _471\"/>teb\u00e4rande v<span class=\"__10 _471\"/>\u00e4rdepapper som huvudsakligen h\u00e4rr\u00f6r fr\u00e5n en portf<span class=\"__10 _471\"/>\u00f6lj av r<span class=\"__10 _d_9\"/>\u00e4nteb\u00e4rande v\u00e4r<span class=\"__10 _471\"/>depapper inom Life &amp; Pension i Norge, r<span class=\"__10 _d_9\"/>\u00e4nteb\u00e4rande v\u00e4r<span class=\"__10 _471\"/>depapper i del av likvidi-<span class=\"__10 _469\"> </span>tetsreserven, efters<span class=\"__10 _471\"/>t\u00e4llda skulder och emitter<span class=\"__10 _d_9\"/>ade v\u00e4rdepap-<span class=\"__10 _469\"> </span>per<span class=\"__10 _d_9\"/>, med undantag f<span class=\"__10 _471\"/>\u00f6r obligationer emitter<span class=\"__10 _471\"/>ade av Nor<span class=\"__10 _d_9\"/>dea Kredit Realkr<span class=\"__10 _471\"/>editakties<span class=\"__10 _471\"/>elskab och struk<span class=\"__10 _d_9\"/>turerade obligationer emitterade a<span class=\"__10 _d_9\"/>v Markets.<span class=\"__10 _469\"> </span>Obligatorisk<span class=\"__10 _d_9\"/>t v\u00e4rderade till verkligt v\u00e4rde via r<span class=\"__10 _471\"/>esulta<span class=\"__10 _d_9\"/>tr\u00e4kningen<span class=\"__10 _469\"> </span>Underkategorin \u201dObliga<span class=\"__10 _471\"/>toriskt v<span class=\"__10 _d_9\"/>\u00e4rderade till verkligt v\u00e4rde via resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen\u201d inneh\u00e5ller huvudsakligen alla tillg\u00e5ngar och tradingrela<span class=\"__10 _471\"/>terade sk<span class=\"__10 _471\"/>ulder inom Markets, r\u00e4n<span class=\"__10 _d_9\"/>teb\u00e4rande v\u00e4rdepapper i likviditetsr<span class=\"__10 _d_9\"/>eser<span class=\"__10 _c_9\"/>ven, deriva<span class=\"__10 _471\"/>t, aktier<span class=\"__10 _d_9\"/>, hypoteksl\u00e5n i Nordea Kredit R<span class=\"__10 _471\"/>ealkreditak<span class=\"__10 _471\"/>tieselskab sam<span class=\"__10 _471\"/>t \ufb01nansiella till-<span class=\"__10 _469\"> </span>g\u00e5ngar under \u201dTillg\u00e5ngar i placeringsportf\u00f6ljer och f<span class=\"__10 _d_9\"/>ondf\u00f6r-<span class=\"__10 _469\"> </span>s\u00e4kringsavtal\u201d<span class=\"__10 _479\"/>. Inl\u00e5ning i placeringsportf\u00f6ljer och f<span class=\"__10 _d_9\"/>ondf\u00f6rs\u00e4k-<span class=\"__10 _469\"> </span>ringsavtal \u00e4r a<span class=\"__10 _d_9\"/>vtal med kunder och f\u00f6rs\u00e4krings<span class=\"__10 _471\"/>tagare d\u00e4r ris-<span class=\"__10 _469\"> </span>ken huvudsakligen eller helt tas a<span class=\"__10 _d_9\"/>v f\u00f6rs\u00e4kringstagarna. Inl\u00e5ningsmedlen inves<span class=\"__10 _d_9\"/>teras i olika typer av \ufb01nansiella till-<span class=\"__10 _469\"> </span>g\u00e5ngar till f\u00f6rm\u00e5n f<span class=\"__10 _d_9\"/>\u00f6r kunderna och f\u00f6rs\u00e4kringstagarna.<span class=\"__10 _469\"> </span><div class=\"t_10 m0_10 h1_10 ff1_10 fs0_10 fc0_10 sc0_10 ls3_9 ws6_9\" style=\"left:0.01052475px; bottom:2.1012287px;\">124<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h2_10 ff2_10 fs1_9 fc0_10 sc0_10 ls0_10 ws1_10\" style=\"left:44.122643px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h3_9 ff2_10 fs1_9 fc0_10 sc0_10 ls1_10 ws2_9\" style=\"left:48.323853px; bottom:1029.1447px;\">Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span></div><div class=\"t_10 m0_10 h6_9 ff1_10 fs4_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:951.164px;\">Finansiella tillg\u00e5ngar som fr\u00e5n b\u00f6rjan v<span class=\"__10 _d_9\"/>\u00e4rderats<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h6_9 ff1_10 fs4_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:937.6388px;\">till verkligt v\u00e4r<span class=\"__10 _471\"/>de via resul<span class=\"__10 _471\"/>tatr<span class=\"__10 _471\"/>\u00e4kningen<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h6_9 ff1_10 fs4_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:924.11365px;\">(verkligt v\u00e4r<span class=\"__10 _471\"/>de-optionen)<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:910.5767px;\">Alla r\u00e4n<span class=\"__10 _471\"/>teb\u00e4rande v<span class=\"__10 _471\"/>\u00e4rdepapper (inklusive pan<span class=\"__10 _d_9\"/>tsatta \ufb01nan-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:897.0515px;\">siella instrument) i f<span class=\"__10 _d_9\"/>\u00f6rs\u00e4kringsavtal inom Lif<span class=\"__10 _471\"/>e &amp; Pension, med<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:883.5263px;\">undantag f<span class=\"__10 _d_9\"/>\u00f6r en por<span class=\"__10 _c_9\"/>tf\u00f6lj a<span class=\"__10 _d_9\"/>v r\u00e4nteb\u00e4r<span class=\"__10 _471\"/>ande v\u00e4rdepapper i<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:870.0011px;\">Norge \u2013 till ett v\u00e4r<span class=\"__10 _471\"/>de av 8 193 mn eur<span class=\"__10 _471\"/>o (<span class=\"__10 _d_9\"/>4 083 mn euro) \u2013 v\u00e4r-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:856.4759px;\">deras redan f<span class=\"__10 _471\"/>r\u00e5n b\u00f6rjan till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde via resultatr\u00e4kning-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:842.95074px;\">en f\u00f6r a<span class=\"__10 _471\"/>tt eliminera eller a<span class=\"__10 _d_9\"/>vsev\u00e4rt minska den bristande \u00f6ver-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:829.42554px;\">ensst\u00e4mmelsen i redo<span class=\"__10 _d_9\"/>visningen med de skulder till f\u00f6rs\u00e4k-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:815.9003px;\">ringstagare som v<span class=\"__10 _d_9\"/>\u00e4rderas till verkligt v\u00e4rde.  <span class=\"__10 _479\"/>Tillg\u00e5ngar i<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:802.3751px;\">placeringsportf\u00f6ljer och f<span class=\"__10 _d_9\"/>ondf\u00f6rs\u00e4kringsavtal inom Lif<span class=\"__10 _d_9\"/>e &amp;<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:788.8499px;\">Pension som in<span class=\"__10 _d_9\"/>te obligatoriskt v<span class=\"__10 _471\"/>\u00e4rderas till v<span class=\"__10 _471\"/>erkligt v\u00e4rde via<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:775.3247px;\">resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen \u2013 till ett v\u00e4rde av 666 mn eur<span class=\"__10 _d_9\"/>o (280 mn<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:761.7995px;\">euro) \u2013 v<span class=\"__10 _471\"/>\u00e4rderas r<span class=\"__10 _471\"/>edan fr\u00e5n b\u00f6rjan till v<span class=\"__10 _471\"/>erkligt v\u00e4rde via r<span class=\"__10 _471\"/>esul-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:748.2743px;\">tatr\u00e4kningen f<span class=\"__10 _d_9\"/>\u00f6r att undvika bristande \u00f6v<span class=\"__10 _471\"/>erensst\u00e4mmels<span class=\"__10 _471\"/>e i<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:734.74915px;\">redovisningen med mo<span class=\"__10 _471\"/>tsvarande inl\u00e5ning. Nor<span class=\"__10 _471\"/>dea upplyser<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:721.22394px;\"><span class=\"__10 _469\">inte om eff</span><span class=\"__10 _d_9\"/>ekten a<span class=\"__10 _d_9\"/>v f\u00f6r\u00e4ndring i kreditrisk p\u00e5 dessa tillg\u00e5ng-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:707.6987px;\">ars verkliga v\u00e4rden och f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndring i verkligt v\u00e4rde a<span class=\"__10 _d_9\"/>v relate-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h8_9 ff1_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:653.4322px;\">Finansiella skulder redan fr<span class=\"__10 _d_9\"/>\u00e5n b\u00f6rjan v\u00e4rderade till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de (verkligt v\u00e4rde-optionen)<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:346.68726px; bottom:636.83856px;\">2022<span class=\"__10 _546\"> </span>2021<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:562.1692px;\">Mn euro<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:272.0068px; bottom:620.6692px;\">Skulder d\u00e4r<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:272.0068px; bottom:610.9192px;\">f\u00f6r\u00e4ndring i<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:279.3466px; bottom:601.1692px;\">kreditrisk<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:267.1864px; bottom:591.4192px;\">presenter<span class=\"__10 _d_9\"/>as i<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:291.49118px; bottom:581.6692px;\">\u00d6vrigt<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:269.2066px; bottom:571.9192px;\">totalresul<span class=\"__10 _471\"/>tat<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:295.4302px; bottom:562.1692px;\">(OCI)<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:354.445px; bottom:601.1692px;\">Skulder d\u00e4r<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:354.445px; bottom:591.4192px;\">f\u00f6r\u00e4ndring i<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:361.7848px; bottom:581.6692px;\">kreditrisk<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:349.6246px; bottom:571.9192px;\">presenter<span class=\"__10 _d_9\"/>as i<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:331.3258px; bottom:562.1692px;\">resulta<span class=\"__10 _471\"/>tr\u00e4kningen<span class=\"__10 _547\"> </span>Summa<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:482.9734px; bottom:620.6692px;\">Skulder d\u00e4r<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:482.9734px; bottom:610.9192px;\">f\u00f6r\u00e4ndring i<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:490.31317px; bottom:601.1692px;\">kreditrisk<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:478.15298px; bottom:591.4192px;\">presenter<span class=\"__10 _d_9\"/>as i<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:502.45782px; bottom:581.6692px;\">\u00d6vrigt<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:480.1732px; bottom:571.9192px;\">totalresul<span class=\"__10 _471\"/>tat<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:506.3968px; bottom:562.1692px;\">(OCI)<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:562.20435px; bottom:601.1692px;\">Skulder d\u00e4r<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:562.20435px; bottom:591.4192px;\">f\u00f6r\u00e4ndring i<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:569.5144px; bottom:581.6692px;\">kreditrisk<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:557.3542px; bottom:571.9192px;\">presenter<span class=\"__10 _d_9\"/>as i<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:539.0554px; bottom:562.1692px;\">resulta<span class=\"__10 _471\"/>tr\u00e4kningen<span class=\"__10 _548\"> </span>Summa<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:545.0274px;\">Redovisat v<span class=\"__10 _d_9\"/>\u00e4rde<span class=\"__10 _549\"> </span>1 371<span class=\"__10 _7a_2\"> </span>92 720<span class=\"__10 _545\"> </span>94 091<span class=\"__10 _7b_2\"> </span>1 568<span class=\"__10 _7b_2\"> </span>104 6<span class=\"__10 _c_9\"/>40<span class=\"__10 _515\"> </span>106 208<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:527.883px;\">Belopp att betala vid f<span class=\"__10 _471\"/><span class=\"__10 _469\">\u00f6rfall1</span><span class=\"__10 _7c_2\"> </span>1 634<span class=\"__10 _7d_3\"> </span>101 694<span class=\"__10 _483\"> </span>103 328<span class=\"__10 _485\"> </span>1 568<span class=\"__10 _5e_2\"> </span>108 062<span class=\"__10 _487\"> </span>109 630<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:510.7386px;\">F\u00f6r\u00e4ndring i v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde till f\u00f6ljd av f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndring i<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:499.69116px;\">kreditrisk, under \u00e5ret<span class=\"__10 _7e_2\"> </span>7<span class=\"__10 _7f_3\"> </span><span class=\"lse_8 ws14_9\">-43<span class=\"__10 _5e_2\"> </span></span>-36<span class=\"__10 _550\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _551\"> </span></span>-119<span class=\"__10 _552\"> </span>-121<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:482.54678px;\">F\u00f6r\u00e4ndring i v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde till f\u00f6ljd av f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndring i<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:471.4994px;\">kreditrisk, ackumulerat<span class=\"__10 _553\"> </span>-9<span class=\"__10 _554\"> </span>-583<span class=\"__10 _555\"> </span>-592<span class=\"__10 _7a_2\"> </span><span class=\"ls4_9 ws7_9\">-16<span class=\"__10 _550\"> </span></span>-540<span class=\"__10 _521\"> </span>-556<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:450.36578px;\">1)   <span class=\"__10 _2b_4\"/>Skulder till f\u00f6rs\u00e4kringstagare har ingen f<span class=\"__10 _d_9\"/>ast l\u00f6ptid och inget fastsatt belopp att betala vid f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>fall. Belopp att betala vid f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>fall har f<span class=\"__10 _471\"/>\u00f6r dessa skulder bed\u00f6mts uppg\u00e5 till det redo<span class=\"__10 _d_9\"/>vi-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:58.494278px; bottom:441.52594px;\">sade v\u00e4rdet.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hd_9 ff4_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:986.27924px;\">K3.3  Klassi\ufb01cering och v\u00e4rdering, forts.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:951.6515px;\">rade kreditderiv<span class=\"__10 _d_9\"/>at<span class=\"__10 _c_9\"/>, eftersom s\u00e5dana v\u00e4rde<span class=\"__10 _471\"/>f\u00f6r<span class=\"__10 _471\"/>\u00e4ndringar ome-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:938.12634px;\">delbart kommer att result<span class=\"__10 _471\"/>era i v\u00e4s<span class=\"__10 _471\"/>entligen samma f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndring<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:924.60114px;\">i redovisa<span class=\"__10 _471\"/>t v\u00e4rde p\u00e5 mo<span class=\"__10 _471\"/>tsvarande sk<span class=\"__10 _d_9\"/>ulder till f\u00f6rs\u00e4kringsta-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:911.0759px;\">gare. F<span class=\"__10 _471\"/>\u00f6r\u00e4ndring i egen kreditrisk p\u00e5 dessa tillg\u00e5ngar i Lif<span class=\"__10 _d_9\"/>e &amp;<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:897.5507px;\">Pension kommer d\u00e4rf<span class=\"__10 _d_9\"/>\u00f6r inte att f\u00e5 n\u00e5gon v<span class=\"__10 _d_9\"/>\u00e4sentlig p\u00e5v<span class=\"__10 _471\"/>erkan<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:884.0255px;\">p\u00e5 resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen eller eget kapital.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h8_9 ff1_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:857.49445px;\">Finansiella tillg\u00e5ngar som fr\u00e5n b\u00f6rjan v<span class=\"__10 _d_9\"/>\u00e4rderats  </div><div class=\"t_10 m0_10 h8_9 ff1_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:844.4997px;\">till verkligt v\u00e4r<span class=\"__10 _471\"/>de via result<span class=\"__10 _471\"/>atr\u00e4kningen<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:369.88016px; bottom:827.94275px;\">Mn euro <span class=\"__10 _556\"> </span>2022<span class=\"__10 _518\"> </span>2021<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:369.88016px; bottom:810.7996px;\">Redovisat v<span class=\"__10 _d_9\"/>\u00e4rde vid \u00e5rets slut<span class=\"__10 _557\"> </span>8 859<span class=\"__10 _487\"> </span>4 363<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:369.88016px; bottom:793.6552px;\">Maximal exponering f<span class=\"__10 _d_9\"/>\u00f6r kreditrisk vid \u00e5rets slut<span class=\"__10 _515\"> </span>8 859<span class=\"__10 _487\"> </span>4 363<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h6_9 ff1_10 fs4_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:757.4703px;\">Finansiella tillg\u00e5ngar v\u00e4rder<span class=\"__10 _471\"/>ade till<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h6_9 ff1_10 fs4_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:743.94507px;\">verkligt v\u00e4r<span class=\"__10 _471\"/>de via \u00f6vrigt to<span class=\"__10 _471\"/>talresul<span class=\"__10 _471\"/>tat<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:730.41205px;\">Finansiella tillg\u00e5ngar v\u00e4rder<span class=\"__10 _471\"/>ade till verkligt v\u00e4r<span class=\"__10 _471\"/>de via \u00f6vrigt<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:716.88684px;\">totalr<span class=\"__10 _471\"/>esultat ut<span class=\"__10 _471\"/>g\u00f6rs huvudsakligen av r<span class=\"__10 _471\"/>\u00e4nteb\u00e4r<span class=\"__10 _d_9\"/>ande v\u00e4rde-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:703.36163px;\">papper i likviditetsreserven.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h1_10 ff1_10 fs0_10 fc0_10 sc0_10 ls0_10 ws0_10\" style=\"left:656.3909px; bottom:2.1012287px;\">125<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h2_10 ff2_10 fs1_9 fc0_10 sc0_10 ls0_10 ws1_10\" style=\"left:497.5244px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h3_9 ff2_10 fs1_9 fc0_10 sc0_10 ls1_10 ws2_9\" style=\"left:4.2144775px; bottom:1029.1447px;\">Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span></div><div class=\"t_10 m0_10 h6_9 ff1_10 fs4_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:951.164px;\">Finansiella skulder som fr<span class=\"__10 _d_9\"/>\u00e5n b\u00f6rjan v\u00e4rderats<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h6_9 ff1_10 fs4_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:937.6388px;\">till verkligt v\u00e4r<span class=\"__10 _471\"/>de via resul<span class=\"__10 _471\"/>tatr<span class=\"__10 _471\"/>\u00e4kningen<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h6_9 ff1_10 fs4_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:924.11365px;\">(verkligt v\u00e4r<span class=\"__10 _471\"/>de-optionen)<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:910.5767px;\">Nordea har klassi\ufb01cera<span class=\"__10 _d_9\"/>t alla emitterade hypoteksobliga<span class=\"__10 _d_9\"/>tioner<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:897.0515px;\">i det danska dotterf<span class=\"__10 _471\"/>\u00f6retaget Nordea Kr<span class=\"__10 _471\"/>edit Realkreditak<span class=\"__10 _d_9\"/>tie-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:883.5263px;\">selskab, motsv<span class=\"__10 _d_9\"/>arande 49 944 mn euro (56 439 mn euro), som<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:870.0011px;\">\ufb01nansiella skulder som fr<span class=\"__10 _d_9\"/>\u00e5n b\u00f6rjan v\u00e4rderats till verkligt<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:856.4759px;\">v\u00e4rde via r<span class=\"__10 _471\"/>esultatr<span class=\"__10 _d_9\"/>\u00e4kningen, f\u00f6r att eliminera eller a<span class=\"__10 _d_9\"/>vsev\u00e4rt<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:842.95074px;\">minska bristande \u00f6v<span class=\"__10 _d_9\"/>erensst\u00e4mmelse i redovisningen. N\u00e4r<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:829.42554px;\">Nordea beviljar bol\u00e5n till kunder i enlighet med dansk lag-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:815.9003px;\">stiftning om bostads\ufb01nansiering emitt<span class=\"__10 _471\"/>erar Nordea sam<span class=\"__10 _d_9\"/>tidigt<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:802.3751px;\">obligationer med matchande villk<span class=\"__10 _d_9\"/>or, s\u00e5 kallad ma<span class=\"__10 _d_9\"/>tchad \ufb01nan-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:788.8499px;\">siering. Kunderna kan \u00e5t<span class=\"__10 _471\"/>erbetala sina l\u00e5n genom att an<span class=\"__10 _471\"/>tingen<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:775.3247px;\">\u00e5terbetala sk<span class=\"__10 _471\"/>uldbeloppet eller k\u00f6pa de emitter<span class=\"__10 _471\"/>ade obligatio-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:761.7995px;\">nerna och \u00e5terl\u00e4mna dessa till Nor<span class=\"__10 _471\"/>dea som reglering a<span class=\"__10 _d_9\"/>v for-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:748.2743px;\">dran. Obligationerna \u00e4r en vik<span class=\"__10 _d_9\"/>tig komponent p\u00e5 den danska<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:734.74915px;\">penningmarknaden och Nordea k\u00f6per och s\u00e4ljer f<span class=\"__10 _d_9\"/>\u00f6ljaktligen<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:721.22394px;\">egna obligationer p\u00e5 marknaden. L\u00e5nen v<span class=\"__10 _471\"/>\u00e4rderas till v<span class=\"__10 _471\"/>erkligt<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:707.6987px;\">v\u00e4rde via r<span class=\"__10 _471\"/>esultatr<span class=\"__10 _d_9\"/>\u00e4kningen eftersom de inte uppfyller SPPI-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:694.1735px;\">kriteriet, och om obligationerna v\u00e4rder<span class=\"__10 _471\"/>ades till upplupet<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:680.6483px;\"><span class=\"__10 _469\">anskaffningsv</span><span class=\"__10 _471\"/>\u00e4rde skulle detta ge uppho<span class=\"__10 _d_9\"/>v till bristande \u00f6ver-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:667.1231px;\">ensst\u00e4mmelse i redo<span class=\"__10 _d_9\"/>visningen. F\u00f6r att undvika detta v\u00e4r<span class=\"__10 _d_9\"/>derar<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:653.5979px;\">Nordea obligationerna till v<span class=\"__10 _471\"/>erkligt v\u00e4rde, med alla f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndring-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:640.0727px;\">ar i verkligt v\u00e4r<span class=\"__10 _471\"/>de, inklusive f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i kreditrisk, redovi-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:626.54755px;\">sade i resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen. F\u00f6r\u00e4ndring i verkligt v<span class=\"__10 _d_9\"/>\u00e4rde till f\u00f6ljd<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:613.02234px;\">av f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i egen kreditrisk p\u00e5 hypot<span class=\"__10 _471\"/>eksobligationer<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 wsc_9\" style=\"left:0.013267517px; bottom:599.49713px;\">emitterade a<span class=\"__10 _d_9\"/>v <span class=\"ws0_10\">Nordea</span> Kredit Realkreditak<span class=\"__10 _d_9\"/>tiesel <span class=\"__10 _2f_4\"/>skab, ber\u00e4knas<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:585.9719px;\">genom att f<span class=\"__10 _471\"/>astst\u00e4lla den beloppsm\u00e4ssiga f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringen i verk<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:572.4467px;\">ligt v\u00e4rde som in<span class=\"__10 _d_9\"/>te \u00e4r h\u00e4nf\u00f6rlig till marknadsf<span class=\"__10 _d_9\"/>\u00f6rh\u00e5llanden.<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:558.9215px;\">Den metod som anv<span class=\"__10 _471\"/>\u00e4nds f\u00f6r a<span class=\"__10 _d_9\"/>tt fastst\u00e4lla den beloppsm\u00e4s-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:545.3963px;\">siga f\u00f6r<span class=\"__10 _471\"/>\u00e4ndringen i marknadsf\u00f6rh\u00e5llanden \u00e4r bas<span class=\"__10 _471\"/>erad p\u00e5 rele-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:531.8711px;\">van<span class=\"__10 _471\"/>ta j\u00e4mf<span class=\"__10 _d_9\"/>\u00f6relser\u00e4ntor<span class=\"__10 _479\"/>, vilket \u00e4r den genomsnittliga avkas<span class=\"__10 _471\"/>t-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:518.34595px;\">ningen p\u00e5 danska och tyska (euro<span class=\"__10 _d_9\"/>) statsobligationer<span class=\"__10 _479\"/>. Denna<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:504.82074px;\">modell bed\u00f6ms generera den b\u00e4s<span class=\"__10 _471\"/>ta uppskattningen a<span class=\"__10 _d_9\"/>v den<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:491.29553px;\">egna kreditriskens p\u00e5<span class=\"__10 _d_9\"/>verkan. F\u00f6r\u00e4ndringen i egen kr<span class=\"__10 _d_9\"/>editrisk<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hd_9 ff4_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:986.27924px;\">K3.3  Klassi\ufb01cering och v\u00e4rdering, forts.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:951.6515px;\">p\u00e5 emitterade hypo<span class=\"__10 _d_9\"/>teksobligationer i Nordea Kredit Realkr<span class=\"__10 _d_9\"/>e-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:938.12634px;\">ditakties<span class=\"__10 _471\"/>elskab redovisas in<span class=\"__10 _d_9\"/>te i \u00f6vrigt totalresul<span class=\"__10 _d_9\"/>tat (OCI) efter-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:924.60114px;\">som det redovisningsm\u00e4ssigt sk<span class=\"__10 _471\"/>ulle avvik<span class=\"__10 _471\"/>a fr\u00e5n den mo<span class=\"__10 _d_9\"/>tsva-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:911.0759px;\">rande f<span class=\"__10 _471\"/>\u00f6r\u00e4ndringen i verkligt v<span class=\"__10 _d_9\"/>\u00e4rde p\u00e5 hypoteksl\u00e5nen som<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:897.5507px;\">redovisas i re<span class=\"__10 _471\"/>sultatr<span class=\"__10 _d_9\"/>\u00e4kningen.<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:333.50708px; bottom:884.0255px;\">Nordea till\u00e4mpar ocks\u00e5 verkligt v<span class=\"__10 _471\"/>\u00e4rde-optionen p\u00e5 struk<span class=\"__10 _d_9\"/>tu-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:870.5003px;\">rerade obliga<span class=\"__10 _471\"/>tioner emitterade a<span class=\"__10 _d_9\"/>v Markets, till ett v\u00e4rde a<span class=\"__10 _d_9\"/>v<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:856.9751px;\">1 371 mn euro (1 568 mn euro<span class=\"__10 _471\"/>), eftersom dessa hybridinstru-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:843.4499px;\">ment, s\u00e5som index<span class=\"__10 _d_9\"/>obligationer<span class=\"__10 _d_9\"/>, inneh\u00e5ller inb\u00e4ddade derivat<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:829.92474px;\">som inte \u00e4r n\u00e4r<span class=\"__10 _d_9\"/>a f\u00f6rknippade med v\u00e4rda<span class=\"__10 _d_9\"/>vtalet<span class=\"__10 _c_9\"/>. V<span class=\"__10 _d_9\"/>\u00e4rdavtalet<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:816.39954px;\">och det inb\u00e4ddade derivat<span class=\"__10 _471\"/>et v\u00e4rder<span class=\"__10 _471\"/>as till verkligt v\u00e4r<span class=\"__10 _471\"/>de via<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:802.8743px;\">resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen och redovisas under \u201dEmitterade v<span class=\"__10 _471\"/>\u00e4rde-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:789.3491px;\">papper<span class=\"__10 _c_9\"/>\u201d i balansr\u00e4kningen.  F\u00f6r<span class=\"__10 _471\"/>\u00e4ndringen i verkligt v\u00e4r<span class=\"__10 _471\"/>de p\u00e5<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:775.8239px;\">dessa emitterade s<span class=\"__10 _471\"/>truktur<span class=\"__10 _471\"/>erade obligationer r<span class=\"__10 _471\"/>edovisas i resul<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:762.2987px;\">tatr\u00e4kningen under \u201dNett<span class=\"__10 _471\"/>oresulta<span class=\"__10 _d_9\"/>t av poster till verkligt<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:748.7735px;\">v\u00e4rde\u201d<span class=\"__10 _479\"/>, med undantag f<span class=\"__10 _d_9\"/>\u00f6r f\u00f6r\u00e4ndringar i den egna kreditris-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:735.2483px;\">ken som redo<span class=\"__10 _471\"/>visas i \u00f6vrigt tot<span class=\"__10 _471\"/>alresulta<span class=\"__10 _d_9\"/>t<span class=\"__10 _c_9\"/>. Nordea ber\u00e4knar f<span class=\"__10 _471\"/>\u00f6r-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:721.72314px;\">\u00e4ndringen i den egna kreditrisken som f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringen i den<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:708.19794px;\">samlade riskpremien p\u00e5 egen uppl\u00e5ning, under ant<span class=\"__10 _471\"/>agandet<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:694.6727px;\">att likviditetspremien f<span class=\"__10 _d_9\"/>\u00f6r alla emissioner \u00e4r konstant \u00f6<span class=\"__10 _d_9\"/>ver tid.<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:681.1475px;\">F\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndring i riskpremien uppskattas genom att j\u00e4mf<span class=\"__10 _d_9\"/>\u00f6ra v\u00e4r-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:667.6223px;\"><span class=\"__10 _469\">det p\u00e5 aff\u00e4r</span><span class=\"__10 _d_9\"/>erna med hj\u00e4lp av den ursprungliga riskpremien<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:654.0971px;\">f\u00f6r uppl\u00e5ning vid emissions<span class=\"__10 _471\"/>tidpunkten och den v<span class=\"__10 _d_9\"/>erkliga risk-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:640.5719px;\">premien f<span class=\"__10 _471\"/>\u00f6r uppl\u00e5ning vid rapporteringstidpunk<span class=\"__10 _d_9\"/>ten. Denna<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:627.0467px;\">modell bed\u00f6ms generera den b\u00e4s<span class=\"__10 _471\"/>ta uppskattningen a<span class=\"__10 _d_9\"/>v den<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:613.52155px;\">egna kreditriskens p\u00e5<span class=\"__10 _d_9\"/>verkan.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:333.50708px; bottom:599.99634px;\">\u00c4<span class=\"__10 _d_9\"/>ven inl\u00e5ningen i placeringsportf\u00f6ljer och f<span class=\"__10 _471\"/>ondf\u00f6rs\u00e4krings-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:586.4711px;\">avtal till ett v<span class=\"__10 _d_9\"/>\u00e4rde av 42 776 mn euro (<span class=\"__10 _471\"/>48 201 mn euro), var<span class=\"__10 _d_9\"/>av<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:572.9459px;\">38 606 mn euro (<span class=\"__10 _d_9\"/>4<span class=\"__10 _c_9\"/>3 344 mn euro) a<span class=\"__10 _d_9\"/>vser Life &amp; Pension, v<span class=\"__10 _d_9\"/>\u00e4rde-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:559.4207px;\">ras redan f<span class=\"__10 _471\"/>r\u00e5n b\u00f6rjan till verkligt v<span class=\"__10 _471\"/>\u00e4rde via resul<span class=\"__10 _471\"/>tatr\u00e4kningen<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:545.8955px;\">eftersom inl\u00e5ningen f\u00f6rval<span class=\"__10 _471\"/>tas till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de. V\u00e4rdet p\u00e5<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:532.3703px;\">denna inl\u00e5ning \u00e4r direkt k<span class=\"__10 _d_9\"/>opplad till det verkliga v\u00e4rdet p\u00e5<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:518.8451px;\">underliggande tillg\u00e5ngar<span class=\"__10 _d_9\"/>, och f\u00f6r\u00e4ndringar i den egna kr<span class=\"__10 _471\"/>edit-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:505.31995px;\">risken medf<span class=\"__10 _471\"/>\u00f6r d\u00e4rmed inte n\u00e5gon nett<span class=\"__10 _471\"/><span class=\"__10 _469\">oeffek</span><span class=\"__10 _d_9\"/>t<span class=\"__10 _c_9\"/>.<span class=\"__10 _469\"> </span></div>126<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>K3.4 <span class=\"__10 _a_9\"> </span>V<span class=\"__10 _479\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span>Redovisningsprinciper<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde de\ufb01nieras som det pris som vid v<span class=\"__10 _471\"/>\u00e4rderingstid-<span class=\"__10 _469\"> </span>punkten sk<span class=\"__10 _d_9\"/>ulle erh\u00e5llas vid f\u00f6rs\u00e4ljning av en tillg\u00e5ng eller betalas vid \u00f6verl\u00e5<span class=\"__10 _d_9\"/>telse av en skuld i en ordnad tr<span class=\"__10 _d_9\"/>ansaktion mellan marknadsakt\u00f6r<span class=\"__10 _d_9\"/>er. Vid v<span class=\"__10 _d_9\"/>\u00e4rderingen till verkligt v\u00e4rde antas a<span class=\"__10 _471\"/>tt transak<span class=\"__10 _471\"/>tionen sker under ak<span class=\"__10 _471\"/>tuella marknadsf\u00f6rh\u00e5l<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>landen p\u00e5 tillg\u00e5ngens eller skuldens huvudmarknad, eller<span class=\"__10 _479\"/>, om en huvudmarknad saknas, p\u00e5 tillg\u00e5ngens eller skuldens mest f\u00f6r<span class=\"__10 _471\"/>delaktiga marknad.<span class=\"__10 _469\"> </span>Det b\u00e4sta beviset p\u00e5 v<span class=\"__10 _471\"/>erkligt v\u00e4rde \u00e4r f<span class=\"__10 _d_9\"/>\u00f6rekomsten a<span class=\"__10 _d_9\"/>v publicerade prisno<span class=\"__10 _471\"/>teringar p\u00e5 en aktiv marknad och n\u00e4r s\u00e5dana f\u00f6r<span class=\"__10 _471\"/>ekommer anv<span class=\"__10 _471\"/>\u00e4nds de vid v\u00e4rderingen a<span class=\"__10 _d_9\"/>v \ufb01nansiel-<span class=\"__10 _469\"> </span>la tillg\u00e5ngar och \ufb01nansiella skulder<span class=\"__10 _d_9\"/>. En aktiv marknad \u00e4r en marknad d\u00e4r transak<span class=\"__10 _471\"/>tioner med tillg\u00e5ngen eller skulden intr<span class=\"__10 _471\"/><span class=\"__10 _469\">\u00e4ffar tillr</span><span class=\"__10 _d_9\"/>\u00e4ckligt ofta och med tillr\u00e4cklig volym f<span class=\"__10 _d_9\"/>\u00f6r att ge l\u00f6pande prisinf<span class=\"__10 _d_9\"/>ormation. Den absoluta likviditets- och vol<span class=\"__10 _471\"/>ym-<span class=\"__10 _469\"> </span>niv\u00e5n som kr\u00e4<span class=\"__10 _d_9\"/>vs f\u00f6r att marknaden ska anse<span class=\"__10 _471\"/>s vara ak<span class=\"__10 _d_9\"/>tiv varie-<span class=\"__10 _469\"> </span>rar beroende p\u00e5 ins<span class=\"__10 _471\"/>trumentklass. F<span class=\"__10 _d_9\"/>\u00f6r vissa klasser f\u00f6religger l\u00e5g prisvolatilitet, \u00e4<span class=\"__10 _471\"/>ven f<span class=\"__10 _d_9\"/>\u00f6r instrument inom klasser d\u00e4r han-<span class=\"__10 _469\"> </span>delsfrekvens<span class=\"__10 _471\"/>en \u00e4r h\u00f6g. F\u00f6r ins<span class=\"__10 _d_9\"/>trument i s\u00e5dana klasser \u00e4r lik-<span class=\"__10 _469\"> </span>viditetskra<span class=\"__10 _d_9\"/>ven l\u00e4gre och d\u00e4rmed \u00e4r \u00e5ldersgr\u00e4nsen f<span class=\"__10 _471\"/>\u00f6r priserna som anv\u00e4nds f<span class=\"__10 _d_9\"/>\u00f6r att fasts<span class=\"__10 _d_9\"/>t\u00e4lla verkligt v\u00e4rde h\u00f6gre.<span class=\"__10 _469\"> </span>Handelsfrekvens<span class=\"__10 _471\"/>en och volymen \u00f6<span class=\"__10 _d_9\"/>ver<span class=\"__10 _c_9\"/>vakas regelbundet f\u00f6r a<span class=\"__10 _471\"/>tt bed\u00f6ma om marknaderna \u00e4r aktiv<span class=\"__10 _471\"/>a eller int<span class=\"__10 _471\"/>e. Om note-<span class=\"__10 _469\"> </span>rade priser f<span class=\"__10 _d_9\"/>\u00f6r ett \ufb01nansiellt instrument int<span class=\"__10 _d_9\"/>e representer<span class=\"__10 _d_9\"/>ar fak<span class=\"__10 _d_9\"/>tiska och regelbundet f\u00f6rekommande marknads<span class=\"__10 _d_9\"/>transak-<span class=\"__10 _469\"> </span>tioner<span class=\"__10 _d_9\"/>, eller om noterade priser in<span class=\"__10 _d_9\"/>te \ufb01nns tillg\u00e4ngliga, fast-<span class=\"__10 _469\"> </span>st\u00e4lls det verkliga v<span class=\"__10 _d_9\"/>\u00e4rdet med hj\u00e4lp av l\u00e4mplig v\u00e4rderingsme-<span class=\"__10 _469\"> </span>tod. V<span class=\"__10 _d_9\"/>\u00e4rderingsmetodens l\u00e4mplighet, inklusive en bed\u00f6mning av om no<span class=\"__10 _d_9\"/>terade priser eller teoretiska priser ska an<span class=\"__10 _471\"/>v\u00e4ndas, \u00f6vervakas r<span class=\"__10 _471\"/>egelbundet.<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>\u00e4rderingsmetoderna kan variera f<span class=\"__10 _471\"/>r\u00e5n enkel anal<span class=\"__10 _d_9\"/>ys av  <span class=\"__10 _2f_4\"/>diskon<span class=\"__10 _d_9\"/>terade kassafl\u00f6den till komple<span class=\"__10 _471\"/>xa optionsv\u00e4r<span class=\"__10 _d_9\"/>derings-<span class=\"__10 _469\"> </span>modeller<span class=\"__10 _d_9\"/>. V<span class=\"__10 _471\"/>\u00e4rderingsmodellerna har utf<span class=\"__10 _471\"/>ormats s\u00e5 att obser-<span class=\"__10 _469\"> </span>verbara marknadspriser och k<span class=\"__10 _d_9\"/>ur<span class=\"__10 _c_9\"/>ser anv\u00e4nds s<span class=\"__10 _471\"/>om indata i f\u00f6r<span class=\"__10 _471\"/>ekommande fall, men \u00e4<span class=\"__10 _d_9\"/>ven icke observerbara modell <span class=\"__10 _558\"/>-<span class=\"__10 _469\"> </span>parametrar kan an<span class=\"__10 _d_9\"/>v\u00e4ndas. V\u00e4r<span class=\"__10 _d_9\"/>deringsmodellens l\u00e4mplighet bed\u00f6ms genom att m\u00e4ta dess f<span class=\"__10 _d_9\"/>\u00f6rm\u00e5ga att matcha marknads-<span class=\"__10 _469\"> </span>priser<span class=\"__10 _d_9\"/>. Detta g\u00f6rs genom att j\u00e4mf<span class=\"__10 _d_9\"/>\u00f6ra ber\u00e4knade priser med relevan<span class=\"__10 _d_9\"/>t j\u00e4mf\u00f6rels<span class=\"__10 _471\"/>edata, t.ex. b\u00f6rsk<span class=\"__10 _471\"/>urser<span class=\"__10 _d_9\"/>, motpartens v\u00e4rde-<span class=\"__10 _469\"> </span>ringar eller konsensuspriser<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>F\u00f6r \ufb01nansiella ins<span class=\"__10 _471\"/>trument d\u00e4r v<span class=\"__10 _471\"/>erkligt v\u00e4rde uppska<span class=\"__10 _d_9\"/>ttas med hj\u00e4lp av en v<span class=\"__10 _d_9\"/>\u00e4rderingsmetod unders\u00f6ks om de variabler som anv\u00e4n<span class=\"__10 _d_9\"/>ts i v\u00e4rderingsmodellen till \u00f6verv\u00e4gande del base-<span class=\"__10 _469\"> </span>rats p\u00e5 da<span class=\"__10 _471\"/>ta fr\u00e5n obs<span class=\"__10 _471\"/>erverbara marknader<span class=\"__10 _d_9\"/>. Med data fr<span class=\"__10 _d_9\"/>\u00e5n observerbara marknader a<span class=\"__10 _d_9\"/>vser Nordea data som kan inh\u00e4m-<span class=\"__10 _469\"> </span>tas fr\u00e5n allm\u00e4n<span class=\"__10 _d_9\"/>t tillg\u00e4ngliga externa k\u00e4llor och som bed\u00f6ms utg\u00f6ra realis<span class=\"__10 _d_9\"/>tiska marknadspriser<span class=\"__10 _471\"/>. Vid anv\u00e4ndning a<span class=\"__10 _d_9\"/>v icke observerbara data, s<span class=\"__10 _471\"/>om har en betydande inv<span class=\"__10 _471\"/>erkan p\u00e5 v\u00e4rde-<span class=\"__10 _469\"> </span>ringen, kan instrumen<span class=\"__10 _471\"/>tet vid f<span class=\"__10 _471\"/>\u00f6rsta redovisnings<span class=\"__10 _d_9\"/>tillf\u00e4llet inte redovisas till det verkliga v<span class=\"__10 _d_9\"/>\u00e4rde som ber\u00e4knats via v\u00e4r<span class=\"__10 _471\"/>de-<span class=\"__10 _469\"> </span>ringsmetoden, och even<span class=\"__10 _d_9\"/>tuella initiala vinster periodiseras d\u00e4r-<span class=\"__10 _469\"> </span>f\u00f6r i r<span class=\"__10 _471\"/>esultatr<span class=\"__10 _d_9\"/>\u00e4kningen \u00f6ver instrument<span class=\"__10 _471\"/>ets l\u00f6ptid. De initiala vinsterna redo<span class=\"__10 _d_9\"/>visas d\u00e4refter direkt i re<span class=\"__10 _471\"/>sultatr<span class=\"__10 _d_9\"/>\u00e4kningen i det fall icke obs<span class=\"__10 _471\"/>erverbara data blir observerbar<span class=\"__10 _d_9\"/>a.<span class=\"__10 _469\"> </span>Tillg\u00e5ngar och skulder v\u00e4r<span class=\"__10 _471\"/>deras till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde utifr\u00e5n de tre niv\u00e5erna i IFRS-hier<span class=\"__10 _471\"/>arkin f\u00f6r v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde. Hierarkin ger h\u00f6gst prioritet till not<span class=\"__10 _d_9\"/>erade priser (ojuster<span class=\"__10 _471\"/>ade) p\u00e5 ak<span class=\"__10 _471\"/>tiva marknader f\u00f6r iden<span class=\"__10 _d_9\"/>tiska tillg\u00e5ngar och skulder (niv\u00e5 1) och l\u00e4gst prioritet till ej observerbar indat<span class=\"__10 _471\"/>a (niv\u00e5 3). Klassi\ufb01ce-<span class=\"__10 _469\"> </span>ringen av dessa ins<span class=\"__10 _d_9\"/>trument baseras p\u00e5 den l\u00e4gsta niv<span class=\"__10 _d_9\"/>\u00e5 indata som \u00e4r v\u00e4sen<span class=\"__10 _d_9\"/>tlig f\u00f6r verkligt v\u00e4rde-v<span class=\"__10 _d_9\"/>\u00e4rderingen i sin helhet<span class=\"__10 _c_9\"/>.<span class=\"__10 _469\"> </span>Niv\u00e5 1 i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4rde utg\u00f6rs a<span class=\"__10 _d_9\"/>v tillg\u00e5ngar och skulder som v\u00e4r<span class=\"__10 _d_9\"/>derats med hj\u00e4lp av ojus<span class=\"__10 _471\"/>terade no<span class=\"__10 _471\"/>terade pri-<span class=\"__10 _469\"> </span>ser p\u00e5 aktiv<span class=\"__10 _d_9\"/>a marknader f\u00f6r identiska tillg\u00e5ngar och skulder<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>En aktiv marknad \u00e4r en marknad d\u00e4r tr<span class=\"__10 _471\"/>ansaktioner med till<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>g\u00e5ngen eller skulden in<span class=\"__10 _471\"/><span class=\"__10 _469\">tr\u00e4ff</span><span class=\"__10 _d_9\"/>ar tillr\u00e4ckligt ofta och med till-<span class=\"__10 _469\"> </span>r\u00e4cklig vol<span class=\"__10 _d_9\"/>ym f\u00f6r att ge l\u00f6pande prisinf<span class=\"__10 _d_9\"/>ormation. Niv\u00e5 2 i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4rde utg\u00f6rs a<span class=\"__10 _d_9\"/>v tillg\u00e5ngar och skulder som in<span class=\"__10 _471\"/>te har noter<span class=\"__10 _d_9\"/>ade marknadspriser direkt tillg\u00e4ng-<span class=\"__10 _469\"> </span>liga fr\u00e5n ak<span class=\"__10 _d_9\"/>tiva marknader<span class=\"__10 _d_9\"/>. Verkligt v<span class=\"__10 _471\"/>\u00e4rde baseras p\u00e5 no<span class=\"__10 _d_9\"/>te-<span class=\"__10 _469\"> </span>rade priser f<span class=\"__10 _d_9\"/>\u00f6r liknande tillg\u00e5ngar eller skulder p\u00e5 aktiva marknader<span class=\"__10 _d_9\"/>, eller noterade priser p\u00e5 iden<span class=\"__10 _d_9\"/>tiska eller liknande tillg\u00e5ngar eller skulder p\u00e5 marknader som in<span class=\"__10 _d_9\"/>te \u00e4r aktiva. V<span class=\"__10 _d_9\"/>erk-<span class=\"__10 _469\"> </span>ligt v\u00e4rde kan ocks\u00e5 ber<span class=\"__10 _d_9\"/>\u00e4knas med hj\u00e4lp av v\u00e4rderingsmeto-<span class=\"__10 _469\"> </span>der eller v\u00e4rderingsmodeller som bas<span class=\"__10 _471\"/>eras p\u00e5 marknadspriser eller indata p\u00e5 balansdagen, om ev<span class=\"__10 _d_9\"/>entuella ej observerbara indata har haft en obety<span class=\"__10 _471\"/>dlig inverkan p\u00e5 de v<span class=\"__10 _d_9\"/>erkliga v\u00e4rdena.<span class=\"__10 _469\"> </span>Niv\u00e5 3 i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4rde utg\u00f6rs a<span class=\"__10 _d_9\"/>v de tillg\u00e5ngar och skulder f<span class=\"__10 _471\"/>\u00f6r vilka verkliga v\u00e4r<span class=\"__10 _d_9\"/>den inte kan erh\u00e5llas direk<span class=\"__10 _471\"/>t fr\u00e5n no<span class=\"__10 _471\"/>terade marknadspriser eller indir<span class=\"__10 _d_9\"/>ekt via v\u00e4rderingsme-<span class=\"__10 _469\"> </span>toder eller v\u00e4rderingsmodell<span class=\"__10 _471\"/>er som bygger p\u00e5 observerbar<span class=\"__10 _d_9\"/>a marknadspriser eller indata.<span class=\"__10 _469\"> </span>Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__10 _d_9\"/>ttningar Kritiska bed\u00f6mningar med betydande inv<span class=\"__10 _471\"/>erkan p\u00e5 redovisade belopp f\u00f6r \ufb01nansiella ins<span class=\"__10 _471\"/>trument g\u00f6rs i samband med f<span class=\"__10 _471\"/>ast-<span class=\"__10 _469\"> </span>st\u00e4llande a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde p\u00e5 O<span class=\"__10 _d_9\"/>TC<span class=\"__10 _479\"/>-<span class=\"__10 _c_9\"/>derivat och andr<span class=\"__10 _471\"/>a \ufb01nan-<span class=\"__10 _469\"> </span>siella instrument s<span class=\"__10 _471\"/>om saknar noter<span class=\"__10 _471\"/>ade kurser eller nyligen observerade marknadskurser<span class=\"__10 _479\"/>, s\u00e5som onoterade ak<span class=\"__10 _471\"/>tier<span class=\"__10 _d_9\"/>. Bed\u00f6mningarna omf<span class=\"__10 _d_9\"/>attar f\u00f6ljande:<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">V<span class=\"__10 _d_9\"/>al av v\u00e4r<span class=\"__10 _d_9\"/>deringsmetoder<span class=\"__10 _471\"/>.<span class=\"__10 _469\"> </span></span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Bed\u00f6mning av n\u00e4r no<span class=\"__10 _d_9\"/>terade kurser inte mo<span class=\"__10 _471\"/>tsvarar v<span class=\"__10 _d_9\"/>erkligt </span>v\u00e4rde (bland anna<span class=\"__10 _471\"/>t bed\u00f6mning av om marknaden \u00e4r ak<span class=\"__10 _d_9\"/>tiv).<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Ber\u00e4kning a<span class=\"__10 _d_9\"/>v justeringar till verkligt v\u00e4rde f<span class=\"__10 _d_9\"/>\u00f6r att beakta rel<span class=\"__10 _d_9\"/><span class=\"ws0_10\">-<span class=\"__10 _469\"> </span></span></span>evan<span class=\"__10 _d_9\"/>ta riskfaktor<span class=\"__10 _471\"/>er s\u00e5som kreditrisk, modellrisk och likviditetsrisk.<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Bed\u00f6mning av vilka marknadspar<span class=\"__10 _d_9\"/>ametrar som kan </span>observeras.<span class=\"__10 _469\"> </span>De kritiska bed\u00f6mningarna som kr\u00e4<span class=\"__10 _d_9\"/>vs vid fastst\u00e4llandet a<span class=\"__10 _d_9\"/>v verkligt v\u00e4r<span class=\"__10 _471\"/>de p\u00e5 \ufb01nansiella instrument s<span class=\"__10 _471\"/>om saknar noter<span class=\"__10 _471\"/>ade kurser eller nyligen observer<span class=\"__10 _471\"/>ade marknadskurser medf\u00f6r ocks\u00e5 en h\u00f6g grad a<span class=\"__10 _d_9\"/>v os\u00e4kerhet i uppskattningarna.<span class=\"__10 _469\"> </span>I samtliga f<span class=\"__10 _d_9\"/>all baseras besluten p\u00e5 en prof<span class=\"__10 _d_9\"/>essionell bed\u00f6m-<span class=\"__10 _469\"> </span>ning i enlighet med Nordeas redovisnings- och v<span class=\"__10 _d_9\"/>\u00e4rderings-<span class=\"__10 _469\"> </span>principer<span class=\"__10 _d_9\"/>. Det verkliga v\u00e4rdet p\u00e5 \ufb01nansiella tillg\u00e5ngar och skulder v\u00e4r<span class=\"__10 _471\"/>derade med hj\u00e4lp a<span class=\"__10 _d_9\"/>v en v\u00e4rderingsmetod, niv\u00e5 2 och 3 i v\u00e4rderingshier<span class=\"__10 _471\"/><span class=\"__10 _469\">arkin, uppgick till 158 546 mn euro </span>(157 336 mn euro<span class=\"__10 _471\"/>) respek<span class=\"__10 _471\"/><span class=\"__10 _469\">tive 118 626 mn euro (112 568 mn </span>euro) vid \u00e5r<span class=\"__10 _471\"/>ets slut. V\u00e4r<span class=\"__10 _d_9\"/>deringsjusteringar (CV<span class=\"__10 _d_9\"/>A, DV<span class=\"__10 _479\"/>A<span class=\"__10 _c_9\"/>, FFV<span class=\"__10 _d_9\"/>A, NFV<span class=\"__10 _479\"/>A<span class=\"__10 _c_9\"/>, k\u00f6p/s\u00e4lj-jus<span class=\"__10 _471\"/>teringar<span class=\"__10 _d_9\"/>, modellriskjusteringar och just<span class=\"__10 _471\"/>e-<span class=\"__10 _469\"> </span>ringar f\u00f6r v<span class=\"__10 _471\"/>ariationer i oberoende prisk<span class=\"__10 _471\"/>ontroller) s<span class=\"__10 _471\"/>om g\u00f6rs f\u00f6r att f<span class=\"__10 _471\"/>astst\u00e4lla v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde p\u00e5 \ufb01nansiella instrument (inklu-<span class=\"__10 _469\"> </span>sive de som v\u00e4r<span class=\"__10 _d_9\"/>deras till verkligt v\u00e4rde via \u00f6vrigt t<span class=\"__10 _471\"/>otalresul<span class=\"__10 _d_9\"/>tat) p\u00e5v<span class=\"__10 _d_9\"/><span class=\"__10 _469\">erkade eget kapital negativt med -47 mn euro (-121 mn </span>euro). Upplysningar om k\u00e4nslighetsanal<span class=\"__10 _471\"/>ysen f\u00f6r v<span class=\"__10 _d_9\"/>erkliga v\u00e4rden p\u00e5 \ufb01nansiella instrument med bety<span class=\"__10 _d_9\"/>dande icke-obser<span class=\"__10 _c_9\"/>verbara indata \ufb01nns i tabellen \u201dV<span class=\"__10 _d_9\"/>\u00e4rderingsmetoder och indat<span class=\"__10 _471\"/>a som anv\u00e4nds vid v<span class=\"__10 _471\"/>\u00e4rderingen till verkligt v<span class=\"__10 _471\"/>\u00e4rde i niv\u00e5 3\u201d i den h\u00e4r noten.<span class=\"__10 _469\"> </span>Os\u00e4kerhet i uppskattningar upps<span class=\"__10 _471\"/>t\u00e5r \u00e4<span class=\"__10 _471\"/>ven vid f<span class=\"__10 _471\"/>\u00f6rsta redo-<span class=\"__10 _469\"> </span>visningstillf<span class=\"__10 _471\"/>\u00e4llet f\u00f6r \ufb01nansiella ins<span class=\"__10 _d_9\"/>trument som utg\u00f6r en del av st\u00f6rre s<span class=\"__10 _d_9\"/>trukturella transak<span class=\"__10 _d_9\"/>tioner. <span class=\"__10 _d_9\"/>\u00c4v<span class=\"__10 _d_9\"/>en om den efterf\u00f6ljande v\u00e4rderingen in<span class=\"__10 _d_9\"/>te \u00e4r till verkligt v\u00e4rde redo<span class=\"__10 _471\"/>visas dessa instru-<span class=\"__10 _469\"> </span><span class=\"__10 _469\">ment vid anskaff</span><span class=\"__10 _d_9\"/>ningstillf\u00e4llet till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de och d\u00e5 det normalt int<span class=\"__10 _471\"/>e \ufb01nns n\u00e5got separ<span class=\"__10 _471\"/>at transak<span class=\"__10 _d_9\"/>tionspris eller n\u00e5gon aktiv marknad f<span class=\"__10 _d_9\"/>\u00f6r dylika individuella instrument m\u00e5ste det verkliga v\u00e4r<span class=\"__10 _471\"/>det estimeras<span class=\"__10 _469\"> </span>.<span class=\"__10 _469\"> </span>127<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde p\u00e5 \ufb01nansiella tillg\u00e5ngar och skulder<span class=\"__10 _469\"> </span>31 dec 2022<span class=\"__10 _559\"> </span>31 dec 2021<span class=\"__10 _469\"> </span>Mn euro<span class=\"__10 _469\"> </span>Redovisat v\u00e4rde<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span>Redovisat v\u00e4rde<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar<span class=\"__10 _469\"> </span>Kassa och tillgodohav<span class=\"__10 _471\"/>anden hos centr<span class=\"__10 _471\"/>albanker<span class=\"__10 _8a_2\"> </span>61 815<span class=\"__10 _1f_6\"> </span>61 815<span class=\"__10 _2a_4\"> </span>47 495<span class=\"__10 _4a_2\"> </span>47 495<span class=\"__10 _469\"> </span>Utl\u00e5ning<span class=\"__10 _4c_2\"> </span>349 085<span class=\"__10 _6f_2\"> </span>350 232<span class=\"__10 _531\"> </span>347 377<span class=\"__10 _6c_2\"> </span>349 382<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/>ande v\u00e4rdepapper<span class=\"__10 _3a_5\"> </span>63 524<span class=\"__10 _5c_2\"> </span>63 312<span class=\"__10 _2a_4\"> </span>63 383<span class=\"__10 _4a_2\"> </span>63 495<span class=\"__10 _469\"> </span>Pan<span class=\"__10 _471\"/>tsatta \ufb01nansiella instrument<span class=\"__10 _8b_2\"> </span>4 902<span class=\"__10 _515\"> </span>4 902<span class=\"__10 _483\"> </span>1 668<span class=\"__10 _487\"> </span>1 668<span class=\"__10 _469\"> </span>Aktier och andelar<span class=\"__10 _8c_2\"> </span>17 924<span class=\"__10 _5c_2\"> </span>17 924<span class=\"__10 _538\"> </span>15 217<span class=\"__10 _538\"> </span>15 217<span class=\"__10 _469\"> </span>Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s\u00e4kringsavtal<span class=\"__10 _520\"> </span><span class=\"ls0_10 ws0_10\">40 955<span class=\"__10 _4a_2\"> </span>40 955<span class=\"__10 _491\"> </span>46 310<span class=\"__10 _2a_4\"> </span>46 310<span class=\"__10 _469\"> </span></span>Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _8c_2\"> </span>36 578<span class=\"__10 _2a_4\"> </span>36 578<span class=\"__10 _4a_2\"> </span>30 200<span class=\"__10 _4a_2\"> </span>30 200<span class=\"__10 _469\"> </span>\u00d6vriga tillg\u00e5ngar<span class=\"__10 _519\"> </span>8 621<span class=\"__10 _483\"> </span>8 621<span class=\"__10 _514\"> </span>8 094<span class=\"__10 _5a_2\"> </span>8 094<span class=\"__10 _469\"> </span>F\u00f6rutbetalda k<span class=\"__10 _471\"/>ostnader och upplupna int\u00e4k<span class=\"__10 _d_9\"/>ter<span class=\"__10 _3e_4\"> </span><span class=\"ls0_10\">475<span class=\"__10 _498\"> </span>475<span class=\"__10 _545\"> </span> 609<span class=\"__10 _545\"> </span> 609<span class=\"__10 _469\"> </span></span>Summa<span class=\"__10 _8d_2\"> </span>583 879<span class=\"__10 _522\"> </span>584 814<span class=\"__10 _522\"> </span>560 353<span class=\"__10 _522\"> </span>562 470<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde p\u00e5 \ufb01nansiella tillg\u00e5ngar och skulder<span class=\"__10 _479\"/>, forts.<span class=\"__10 _469\"> </span>31 dec 2022<span class=\"__10 _559\"> </span>31 dec 2021<span class=\"__10 _469\"> </span>Mn euro<span class=\"__10 _469\"> </span>Redovisat v\u00e4rde<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span>Redovisat v\u00e4rde<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span>Finansiella skulder<span class=\"__10 _469\"> </span>Inl\u00e5ning och skuldinstrumen<span class=\"__10 _471\"/>t<span class=\"__10 _555\"> </span>433 362<span class=\"__10 _6f_2\"> </span>4<span class=\"__10 _c_9\"/>33 372<span class=\"__10 _6f_2\"> </span>416 078<span class=\"__10 _531\"> </span>416 770<span class=\"__10 _469\"> </span>Inl\u00e5ning i placeringsportf\u00f6ljer och fondf<span class=\"__10 _d_9\"/>\u00f6r-<span class=\"__10 _469\"> </span>s\u00e4kringsavtal<span class=\"__10 _550\"> </span><span class=\"ls4_9 ws7_9\">42 7<span class=\"__10 _c_9\"/>76<span class=\"__10 _491\"> </span>4<span class=\"__10 _c_9\"/>2 776<span class=\"__10 _491\"> </span></span>48 201<span class=\"__10 _491\"> </span>48 201<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _536\"> </span>40 102<span class=\"__10 _2a_4\"> </span>40 102<span class=\"__10 _491\"> </span>31 485<span class=\"__10 _491\"> </span>31 4<span class=\"__10 _c_9\"/>85<span class=\"__10 _469\"> </span><span class=\"__10 _469\">\u00d6vriga skulder1 </span><span class=\"__10 _519\"> </span>14 347<span class=\"__10 _5c_2\"> </span>14 347<span class=\"__10 _5c_2\"> </span>15 033<span class=\"__10 _491\"> </span>15 033<span class=\"__10 _469\"> </span>Upplupna kostnader och f\u00f6rutbetalda int\u00e4k<span class=\"__10 _d_9\"/>ter<span class=\"__10 _8e_2\"> </span>7<span class=\"__10 _5e_2\"> </span>7<span class=\"__10 _3f_4\"> </span> 8<span class=\"__10 _3f_4\"> </span> 8<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _8d_2\"> </span>530 594<span class=\"__10 _476\"> </span>530 604<span class=\"__10 _6c_2\"> </span>510 805<span class=\"__10 _531\"> </span>511 497<span class=\"__10 _469\"> </span>1)  Leasingskulder presen<span class=\"__10 _471\"/>terade p\u00e5 raden \u201d\u00d6vriga skul<span class=\"__10 _471\"/>der<span class=\"__10 _c_9\"/>\u201d i not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d \u00e4r exkl<span class=\"__10 _471\"/>uderade i denna tabell.<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde f<span class=\"__10 _471\"/>\u00f6r poster som redo<span class=\"__10 _d_9\"/>visats till verkligt v\u00e4r<span class=\"__10 _471\"/>de i balansr\u00e4kningen<span class=\"__10 _469\"> </span>F<span class=\"__10 _d_9\"/>astst\u00e4llande a<span class=\"__10 _471\"/>v verkligt v\u00e4r<span class=\"__10 _d_9\"/>de<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>\u00e4rderingsmodellerna som Nordea anv\u00e4nder \u00f6<span class=\"__10 _471\"/>verenss<span class=\"__10 _471\"/>t\u00e4m-<span class=\"__10 _469\"> </span>mer med accept<span class=\"__10 _471\"/>erade ekonomiska met<span class=\"__10 _471\"/>oder f\u00f6r priss\u00e4<span class=\"__10 _471\"/>ttning av \ufb01nansiella ins<span class=\"__10 _d_9\"/>trument och tar h\u00e4nsyn till alla fak<span class=\"__10 _471\"/>torer som marknadsakt\u00f6r<span class=\"__10 _d_9\"/>er skulle beakta vid priss\u00e4ttning. V<span class=\"__10 _479\"/>arje ny v\u00e4r-<span class=\"__10 _469\"> </span>deringsmodell godk\u00e4nns av modellriskk<span class=\"__10 _d_9\"/>ommitt\u00e9n (Model Risk Committee) och alla modeller gr<span class=\"__10 _471\"/>anskas regelbundet. Komple<span class=\"__10 _d_9\"/>xa v\u00e4rderingsmodeller brukar k\u00e4nnetecknas a<span class=\"__10 _d_9\"/>v att de anv\u00e4nder sig a<span class=\"__10 _d_9\"/>v icke-observerbara och modellspeci\ufb01ka indata. <span class=\"__10 _d_9\"/>Alla v\u00e4rderingsmodeller<span class=\"__10 _d_9\"/>, b\u00e5de komplexa och enkla, anv\u00e4nder sig a<span class=\"__10 _d_9\"/>v marknadspriser och indata, bland annat r\u00e4n<span class=\"__10 _d_9\"/>tor<span class=\"__10 _d_9\"/>,<span class=\"__10 _c_9\"/> volatilitet och k<span class=\"__10 _d_9\"/>orrelation. Vissa marknadspriser och indata \u00e4r observerbara, medan andra in<span class=\"__10 _d_9\"/>te \u00e4r det<span class=\"__10 _c_9\"/>. F\u00f6r de fles<span class=\"__10 _d_9\"/>ta vanliga valutor \u00e4r r<span class=\"__10 _d_9\"/>\u00e4ntorna observerbara, och de implicita vola<span class=\"__10 _d_9\"/>tilitets-<span class=\"__10 _c_9\"/> och korrelations<span class=\"__10 _d_9\"/>talen f\u00f6r dessa valut<span class=\"__10 _471\"/>or och r\u00e4n<span class=\"__10 _471\"/>tor \u00e4r observer<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>bara genom optionspriser upp till en viss l\u00f6p<span class=\"__10 _d_9\"/>tid. Implicita vola<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>tilitets- och korrela<span class=\"__10 _d_9\"/>tionstal \u00e4r ocks\u00e5 observerbara f\u00f6r de mes<span class=\"__10 _471\"/>t likvida aktieins<span class=\"__10 _471\"/>trumenten. F<span class=\"__10 _d_9\"/>\u00f6r mindre likvida aktieinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _c_9\"/> \u00e4r optionsmarknaden t\u00e4mligen illikvid, och d\u00e4rf\u00f6r \u00e4r de impli<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>cita volatilit<span class=\"__10 _471\"/>ets- och korrelations<span class=\"__10 _d_9\"/>talen inte observerbara.<span class=\"__10 _469\"> </span>Nordea anv<span class=\"__10 _471\"/>\u00e4nder fr\u00e4ms<span class=\"__10 _471\"/>t publicerade prisno<span class=\"__10 _471\"/>teringar f<span class=\"__10 _471\"/>\u00f6r att fas<span class=\"__10 _471\"/>tst\u00e4lla verkligt v<span class=\"__10 _d_9\"/>\u00e4rde p\u00e5 instrument som redo<span class=\"__10 _d_9\"/>visas under f\u00f6ljande balanspos<span class=\"__10 _471\"/>ter:<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">R\u00e4nteb\u00e4r<span class=\"__10 _d_9\"/>ande v\u00e4rdepapper<span class=\"__10 _469\"> </span></span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Aktier och andelar (no<span class=\"__10 _471\"/>terade<span class=\"__10 _471\"/>)<span class=\"__10 _469\"> </span></span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Derivatins<span class=\"__10 _471\"/>trument (no<span class=\"__10 _471\"/>terade<span class=\"__10 _471\"/>)<span class=\"__10 _469\"> </span></span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Emitterade v<span class=\"__10 _471\"/>\u00e4rdepapper (emitter<span class=\"__10 _d_9\"/>ade bostadsobligationer </span><span class=\"__10 _469\">i </span><span class=\"__10 _d_9\"/>Nordea<span class=\"wsa_9\"> Kredit Realkreditak<span class=\"__10 _d_9\"/>tieselskab).<span class=\"__10 _469\"> </span></span>Nordea anv<span class=\"__10 _471\"/>\u00e4nder fr\u00e4ms<span class=\"__10 _471\"/>t v\u00e4rderingsmet<span class=\"__10 _471\"/>oder f\u00f6r a<span class=\"__10 _471\"/>tt fas<span class=\"__10 _471\"/>tst\u00e4lla verkligt v\u00e4r<span class=\"__10 _471\"/>de p\u00e5 instrument s<span class=\"__10 _471\"/>om redovisas under f<span class=\"__10 _d_9\"/>\u00f6ljande balansposter:<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Utl\u00e5ning till allm\u00e4nheten (hypot<span class=\"__10 _d_9\"/>eksl\u00e5n i <span class=\"ws0_10\">Nordea</span> Kredit </span>Realkreditak<span class=\"__10 _d_9\"/>tieselskab)<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">R\u00e4nteb\u00e4r<span class=\"__10 _d_9\"/>ande v\u00e4rdepapper (n\u00e4r prisnoteringar p\u00e5 en ak<span class=\"__10 _471\"/>tiv </span>marknad saknas)<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Aktier och andelar (n\u00e4r prisno<span class=\"__10 _471\"/>teringar p\u00e5 en aktiv marknad </span>saknas)<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Derivatins<span class=\"__10 _471\"/>trument (<span class=\"__10 _d_9\"/>OT<span class=\"__10 _d_9\"/>C<span class=\"__10 _d_9\"/>-<span class=\"__10 _c_9\"/>derivat).<span class=\"__10 _469\"> </span></span>F\u00f6r r<span class=\"__10 _d_9\"/>\u00e4nteb\u00e4rande v\u00e4rdepapper g\u00f6rs uppdelningen i de tr<span class=\"__10 _471\"/>e niv\u00e5erna mot bak<span class=\"__10 _471\"/>grund av den in<span class=\"__10 _d_9\"/>terna v\u00e4rderingsmetoden. V<span class=\"__10 _d_9\"/>\u00e4rderingen av dessa instrumen<span class=\"__10 _d_9\"/>t kan antingen vara bas<span class=\"__10 _471\"/>erade p\u00e5 direkt<span class=\"__10 _471\"/>a noteringar p\u00e5 en ak<span class=\"__10 _d_9\"/>tiv marknad (niv\u00e5 1) eller v\u00e4r-<span class=\"__10 _469\"> </span>derade med hj\u00e4lp a<span class=\"__10 _d_9\"/>v en metod d\u00e4r priset baseras p\u00e5 obser-<span class=\"__10 _469\"> </span>verbara marknadsda<span class=\"__10 _d_9\"/>ta (niv\u00e5 2). Om p\u00e5verkan f<span class=\"__10 _d_9\"/>r\u00e5n ej obser-<span class=\"__10 _469\"> </span>verbara par<span class=\"__10 _471\"/>ametrar p\u00e5 v\u00e4r<span class=\"__10 _d_9\"/>deringen av obligationen \u00e4r v\u00e4sen<span class=\"__10 _d_9\"/>t<span class=\"ws0_10\">-<span class=\"__10 _469\"> </span></span>lig klassi\ufb01ceras obliga<span class=\"__10 _471\"/>tionen som niv\u00e5 3 i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4rde.<span class=\"__10 _469\"> </span>F\u00f6r O<span class=\"__10 _d_9\"/>T<span class=\"__10 _471\"/>C<span class=\"__10 _d_9\"/>-derivat anv\u00e4nds v<span class=\"__10 _d_9\"/>\u00e4rderingsmodeller f\u00f6r att f<span class=\"__10 _471\"/>ast-<span class=\"__10 _469\"> </span>st\u00e4lla verkligt v<span class=\"__10 _d_9\"/>\u00e4rde. Modellerna har vanligtvis utvecklats intern<span class=\"__10 _d_9\"/>t och baseras p\u00e5 antaganden om beteenden hos de underliggande tillg\u00e5ngarna och statis<span class=\"__10 _d_9\"/>tiska scenarioanalyser<span class=\"__10 _d_9\"/>. De flesta O<span class=\"__10 _d_9\"/>TC<span class=\"__10 _479\"/>-derivat h\u00e4nf<span class=\"__10 _471\"/>\u00f6rs till niv\u00e5 2 i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4rde, vilket bety<span class=\"__10 _d_9\"/>der att alla v\u00e4sentliga inda<span class=\"__10 _471\"/>ta och modellpa-<span class=\"__10 _469\"> </span>rametrar kan obs<span class=\"__10 _471\"/>erveras p\u00e5 aktiv<span class=\"__10 _d_9\"/>a marknader.<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>\u00e4rderingen av riskkapitalf<span class=\"__10 _d_9\"/>onder och onoterade aktier \u00e4r till sin karak<span class=\"__10 _d_9\"/>t\u00e4r mer os\u00e4ker \u00e4n v\u00e4rdering av mer ak<span class=\"__10 _d_9\"/>tivt hand-<span class=\"__10 _469\"> </span>lade aktieins<span class=\"__10 _471\"/>trument. Nordea l\u00e4gger vikt vid ett k<span class=\"__10 _d_9\"/>onsekvent tillv\u00e4gag\u00e5ngss\u00e4<span class=\"__10 _d_9\"/>tt b\u00e5de n\u00e4r det g\u00e4ller olika tillg\u00e5ngar och \u00f6ver tiden. Metoderna som till\u00e4mpas f<span class=\"__10 _471\"/>\u00f6ljer anvisningarna i \u201dIn<span class=\"__10 _471\"/>ter-<span class=\"__10 _469\"> </span>national Priva<span class=\"__10 _471\"/>te E<span class=\"__10 _471\"/>quity and V<span class=\"__10 _d_9\"/>enture Capital V<span class=\"__10 _479\"/>aluation Guideli-<span class=\"__10 _469\"> </span>nes\u201d<span class=\"__10 _479\"/>, som utf\u00e4rdats a<span class=\"__10 _d_9\"/>v IPEV Board. Dessa anvisningar anv\u00e4nds som b\u00e4s<span class=\"__10 _d_9\"/>ta praxis i riskkapitalbranschen. F<span class=\"__10 _d_9\"/>\u00f6r USA-<span class=\"__10 _469\"> </span>baserade f<span class=\"__10 _d_9\"/>onder anv\u00e4nds liknande metoder<span class=\"__10 _d_9\"/>. Nordea har ocks\u00e5 l\u00e5n och emitterade sk<span class=\"__10 _d_9\"/>uldebrev i dotterf\u00f6-<span class=\"__10 _469\"> </span>retaget Nordea Kr<span class=\"__10 _471\"/>edit Realkreditak<span class=\"__10 _d_9\"/>tieselskab, v\u00e4rder<span class=\"__10 _d_9\"/>ade till verkligt v\u00e4r<span class=\"__10 _471\"/>de. N\u00e4r Nordea beviljar bol\u00e5n till l\u00e5n<span class=\"__10 _471\"/>tagare i enlig-<span class=\"__10 _469\"> </span>het med dansk lagstiftning om bostads\ufb01nansiering emitt<span class=\"__10 _471\"/>erar Nordea samtidigt sk<span class=\"__10 _d_9\"/>uldebrev med matchande villkor<span class=\"__10 _479\"/>, s\u00e5 kall-<span class=\"__10 _469\"> </span>lad \u201dmatchad \ufb01nansiering\u201d<span class=\"__10 _479\"/>. V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde f\u00f6r emitter<span class=\"__10 _471\"/>ade skuldebrev bas<span class=\"__10 _471\"/>eras p\u00e5 not<span class=\"__10 _471\"/>erade priser<span class=\"__10 _479\"/>. Eftersom l\u00e5ntagarna har r\u00e4tt a<span class=\"__10 _471\"/>tt k\u00f6pa skuldebr<span class=\"__10 _471\"/>ev som emitter<span class=\"__10 _471\"/>ats a<span class=\"__10 _d_9\"/>v Nordea p\u00e5 marknaden och \u00e5terl\u00e4mna dessa som betalning f<span class=\"__10 _d_9\"/>\u00f6r sina l\u00e5n, \u00e4r det verkliga v\u00e4r<span class=\"__10 _471\"/>det p\u00e5 l\u00e5nen samma som det verkliga v\u00e4r-<span class=\"__10 _469\"> </span>det p\u00e5 de emitterade sk<span class=\"__10 _471\"/>uldebreven (till f<span class=\"__10 _d_9\"/>\u00f6ljd av att omv<span class=\"__10 _d_9\"/>\u00e4rde-<span class=\"__10 _469\"> </span>ringen av \u00e5<span class=\"__10 _d_9\"/>terbetalningsoptionen \ufb01nns inb\u00e4ddad i l\u00e5net), jus-<span class=\"__10 _469\"> </span>tera<span class=\"__10 _471\"/>t f\u00f6r f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i kreditrisken hos l\u00e5nt<span class=\"__10 _471\"/>agaren och det verkliga v\u00e4r<span class=\"__10 _471\"/>det av kr<span class=\"__10 _471\"/>editmarginalen f<span class=\"__10 _d_9\"/>\u00f6r varje l\u00e5n.<span class=\"__10 _469\"> </span>K3.<span class=\"__10 _471\"/>4  Verkligt v\u00e4rde, f<span class=\"__10 _471\"/>orts.<span class=\"__10 _469\"> </span>128<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>K3.<span class=\"__10 _471\"/>4  Verkligt v\u00e4rde, f<span class=\"__10 _471\"/>orts.<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde p\u00e5 \ufb01nansiella tillg\u00e5ngar och skulder ber\u00e4k<span class=\"__10 _d_9\"/>-<span class=\"__10 _469\"> </span>nas vanligen som det teor<span class=\"__10 _471\"/>etiska nuv\u00e4rdet a<span class=\"__10 _d_9\"/>v de enskilda instrument<span class=\"__10 _d_9\"/>en. Denna ber\u00e4kning kompletteras med just<span class=\"__10 _471\"/>eringar p\u00e5 portf\u00f6ljniv\u00e5. Vid v\u00e4rderingen a<span class=\"__10 _d_9\"/>v derivat till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de g\u00f6r Nordea justeringar i f<span class=\"__10 _d_9\"/>orm av s\u00e5 kallade credit val<span class=\"__10 _471\"/>ue adjustmen<span class=\"__10 _471\"/>ts (CV<span class=\"__10 _479\"/>A) och debit value adjustmen<span class=\"__10 _d_9\"/>ts (DV<span class=\"__10 _d_9\"/>A). CV<span class=\"__10 _d_9\"/>A och D<span class=\"__10 _471\"/>V<span class=\"__10 _479\"/>A speg<span class=\"ws0_10\">-<span class=\"__10 _469\"> </span></span>lar hur motpartens kreditrisk respek<span class=\"__10 _d_9\"/>tive Nordeas egen kredit-<span class=\"__10 _469\"> </span>v\u00e4rdighet p\u00e5<span class=\"__10 _d_9\"/>verkar derivatets v<span class=\"__10 _d_9\"/>erkliga v\u00e4rde. Ber\u00e4kningarna baseras p\u00e5 uppska<span class=\"__10 _471\"/>ttningar av e<span class=\"__10 _d_9\"/>xponering vid fallissemang, sannolikhet f\u00f6r f<span class=\"__10 _d_9\"/>allissemang och \u00e5tervinningsgrad, f\u00f6r v<span class=\"__10 _d_9\"/>arje enskild motpart. F\u00f6r CV<span class=\"__10 _d_9\"/>A och DV<span class=\"__10 _479\"/>A baser<span class=\"__10 _d_9\"/>as exponering vid fal-<span class=\"__10 _469\"> </span>lissemang vanligen p\u00e5 f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>v\u00e4ntad e<span class=\"__10 _d_9\"/>xponering och fastst<span class=\"__10 _471\"/>\u00e4lls genom simulering av underliggande riskf<span class=\"__10 _d_9\"/>aktorer<span class=\"__10 _479\"/>. I de fall det \u00e4r m\u00f6jligt anv\u00e4nder sig Nor<span class=\"__10 _471\"/>dea av g\u00e4llande kr<span class=\"__10 _471\"/>editspread p\u00e5 CDS-marknaden, och sannolikheten f\u00f6r f<span class=\"__10 _d_9\"/>allissemang h\u00e4rleds fr\u00e5n dessa da<span class=\"__10 _d_9\"/>ta. F\u00f6r motparter som int<span class=\"__10 _471\"/>e har ett oms\u00e4ttnings-<span class=\"__10 _469\"> </span>bart CDS-kontrak<span class=\"__10 _d_9\"/>t<span class=\"__10 _c_9\"/>, fasts<span class=\"__10 _d_9\"/>t\u00e4lls sannolikhet f\u00f6r fallissemang med hj\u00e4lp av en tv<span class=\"__10 _d_9\"/>\u00e4r<span class=\"__10 _c_9\"/>snittsregressionsmodell som ber<span class=\"__10 _d_9\"/>\u00e4knar en ungef\u00e4rlig CDS-spr<span class=\"__10 _471\"/>ead utifr\u00e5n mo<span class=\"__10 _471\"/>tpartens ratingregion och bransch.<span class=\"__10 _469\"> </span><span class=\"__10 _469\">Eff</span><span class=\"__10 _471\"/>ekten a<span class=\"__10 _d_9\"/>v uppl\u00e5ningskostnader och uppl\u00e5ningskostnads-<span class=\"__10 _469\"> </span>minskningar p\u00e5 v\u00e4rderingen a<span class=\"__10 _d_9\"/>v derivatinstrumen<span class=\"__10 _471\"/>t utan s\u00e4ker-<span class=\"__10 _469\"> </span>het eller med obalanserad s\u00e4kerhet a<span class=\"__10 _d_9\"/>vspeglas delvis i det ber\u00e4knade nuv\u00e4r<span class=\"__10 _471\"/>det med den diskont<span class=\"__10 _d_9\"/>eringskur<span class=\"__10 _c_9\"/>va som anv\u00e4nds och del<span class=\"__10 _d_9\"/>vis i den separata verkligt v\u00e4r<span class=\"__10 _471\"/>de-justering f<span class=\"__10 _d_9\"/>\u00f6r \ufb01nansieringskostnad (funding f<span class=\"__10 _d_9\"/>air value adjustmen<span class=\"__10 _471\"/>t, FFV<span class=\"__10 _d_9\"/>A) som g\u00f6rs. I samband med v\u00e4rderingen till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde g\u00f6r Nordea ocks\u00e5 justeringar f<span class=\"__10 _d_9\"/>\u00f6r prisskillnaden mellan k\u00f6p- och s\u00e4ljpris, justeringar f<span class=\"__10 _d_9\"/>\u00f6r modellrisk (identi\ufb01erade brister i modellerna) och justeringar f<span class=\"__10 _d_9\"/>\u00f6r den oberoende kontrollen a<span class=\"__10 _d_9\"/>v priser<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span>Nordeas v\u00e4r<span class=\"__10 _471\"/>deringsmodeller kalibreras mo<span class=\"__10 _d_9\"/>t marknaden och om klimatrisk p\u00e5<span class=\"__10 _d_9\"/>verkar en viss marknad, s\u00e5 har detta redan beakt<span class=\"__10 _471\"/>ats a<span class=\"__10 _d_9\"/>v andra marknadsakt\u00f6rer<span class=\"__10 _479\"/>. Nordea har d\u00e4r-<span class=\"__10 _469\"> </span>med inte gjort n\u00e5gra f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i v\u00e4rderingsmodellerna f<span class=\"__10 _d_9\"/>\u00f6r att ta h\u00e4nsyn till klimatrisk, och inga kritiska v<span class=\"__10 _471\"/>\u00e4rdejusteringar har gjorts. Nordea kommer fram\u00f6<span class=\"__10 _d_9\"/>ver att f\u00f6lja utvecklingen inom de delar av v<span class=\"__10 _d_9\"/>\u00e4rderingsomr\u00e5det d\u00e4r klimatrisk skulle kunna ha en inv<span class=\"__10 _471\"/>erkan p\u00e5 modellerna (till ex<span class=\"__10 _d_9\"/>empel i fr\u00e5ga <span class=\"__10 _469\">om CV</span><span class=\"__10 _d_9\"/>A).<span class=\"__10 _469\"> </span>I tabellen nedan har tillg\u00e5ngar och skulder som r<span class=\"__10 _471\"/>edovisas till verkligt v\u00e4r<span class=\"__10 _471\"/>de i balansr\u00e4kningen delats upp p\u00e5 de tr<span class=\"__10 _471\"/>e niv\u00e5-<span class=\"__10 _469\"> </span>erna i IFRS-hierarkin f<span class=\"__10 _471\"/>\u00f6r verkligt v\u00e4r<span class=\"__10 _471\"/>de: instrumen<span class=\"__10 _471\"/>tets publi-<span class=\"__10 _469\"> </span>cerade prisno<span class=\"__10 _471\"/>teringar p\u00e5 en aktiv marknad (niv<span class=\"__10 _d_9\"/>\u00e5 1), v\u00e4rde-<span class=\"__10 _469\"> </span>ringsmetod baserad p\u00e5 observerbar<span class=\"__10 _d_9\"/>a marknadsdata (niv\u00e5 2) och v\u00e4rderingsmetod bas<span class=\"__10 _471\"/>erad p\u00e5 icke observerbar<span class=\"__10 _471\"/>a mark-<span class=\"__10 _469\"> </span>nadsdata (niv<span class=\"__10 _471\"/>\u00e5 3). Niv\u00e5 1<span class=\"__10 _471\"/>-kategorin om<span class=\"__10 _d_9\"/>fattar noter<span class=\"__10 _d_9\"/>ade derivat, noterade aktier<span class=\"__10 _479\"/>, statsobligationer i utvecklade l\u00e4nder och de me<span class=\"__10 _471\"/>st lik<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>vida bostadsobliga<span class=\"__10 _471\"/>tionerna och f\u00f6r<span class=\"__10 _471\"/>etagsobligationerna som har direkt<span class=\"__10 _471\"/>a prisnoteringar f<span class=\"__10 _d_9\"/>\u00f6r handel<span class=\"__10 _c_9\"/>. Niv\u00e5 2-kat<span class=\"__10 _d_9\"/>egorin omfat-<span class=\"__10 _469\"> </span>tar huvuddelen a<span class=\"__10 _471\"/>v Nordeas O<span class=\"__10 _d_9\"/>TC<span class=\"__10 _479\"/>-<span class=\"__10 _c_9\"/>derivat, k\u00f6pta/<span class=\"__10 _d_9\"/>s\u00e5lda v\u00e4rde-<span class=\"__10 _469\"> </span>papper enligt \u00e5terf<span class=\"__10 _471\"/>\u00f6rs\u00e4ljnings-/<span class=\"__10 _d_9\"/>\u00e5terk\u00f6psa<span class=\"__10 _471\"/>vtal, l\u00e5nade/utl\u00e5-<span class=\"__10 _469\"> </span>nade v\u00e4rdepapper och andr<span class=\"__10 _471\"/>a instrumen<span class=\"__10 _471\"/>t d\u00e4r indata i v\u00e4r<span class=\"__10 _d_9\"/>de-<span class=\"__10 _469\"> </span>ringsmetoden eller v\u00e4rderingsmodell<span class=\"__10 _471\"/>en baseras p\u00e5 uppgifter fr\u00e5n en ak<span class=\"__10 _d_9\"/>tiv marknad. Niv\u00e5 3-kategorin omf<span class=\"__10 _d_9\"/>attar inves<span class=\"__10 _471\"/>tering-<span class=\"__10 _469\"> </span>ar i onoter<span class=\"__10 _471\"/>ade v\u00e4rdepapper<span class=\"__10 _479\"/>, riskkapitalfonder<span class=\"__10 _d_9\"/>, hedgefonder<span class=\"__10 _479\"/>, fas<span class=\"__10 _471\"/>tigheter<span class=\"__10 _d_9\"/>, mer komplexa O<span class=\"__10 _d_9\"/>T<span class=\"__10 _d_9\"/>C-deriva<span class=\"__10 _471\"/>t d\u00e4r icke observerbara marknadsdata har en betydande in<span class=\"__10 _d_9\"/>verkan p\u00e5 det verkliga v\u00e4rdet, vissa komple<span class=\"__10 _471\"/>xa eller struk<span class=\"__10 _471\"/>turerade \ufb01nansiella ins<span class=\"__10 _471\"/>tru-<span class=\"__10 _469\"> </span>ment och illikvida r<span class=\"__10 _471\"/>\u00e4nteb\u00e4r<span class=\"__10 _d_9\"/>ande v\u00e4rdepapper<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span>\u00d6verf\u00f6ringar mellan niv<span class=\"__10 _d_9\"/>\u00e5 1 och niv\u00e5 2<span class=\"__10 _469\"> </span>Nordea<span class=\"ws0_10\"> har under \u00e5ret \u00f6v<span class=\"__10 _d_9\"/>er<span class=\"__10 _c_9\"/>f\u00f6rt poster r<span class=\"__10 _d_9\"/>edovisade under \u201dR\u00e4n<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></span>teb\u00e4rande v<span class=\"__10 _471\"/>\u00e4rdepapper<span class=\"__10 _c_9\"/>\u201d (inklusive \u201dP<span class=\"__10 _471\"/>antsa<span class=\"__10 _471\"/>tta \ufb01nansiella instrument\u201d) till ett v\u00e4rde a<span class=\"__10 _d_9\"/>v 4 030 mn euro (2 341 mn euro) fr\u00e5n niv<span class=\"__10 _471\"/>\u00e5 1 till niv\u00e5 2 och 1 570 mn eur<span class=\"__10 _471\"/>o (<span class=\"__10 _d_9\"/>4<span class=\"__10 _c_9\"/>39 mn euro) fr<span class=\"__10 _d_9\"/>\u00e5n niv\u00e5 2 till niv\u00e5 1 i v<span class=\"__10 _471\"/>erkligt v\u00e4rde-hier<span class=\"__10 _d_9\"/>arkin. Vidare har <span class=\"wse_9\">Nordea</span><span class=\"ls0_10\"> </span>\u00f6verf<span class=\"__10 _471\"/>\u00f6rt poster redovisade under \u201dEmitt<span class=\"__10 _471\"/>erade v\u00e4r<span class=\"__10 _d_9\"/>depapper<span class=\"__10 _1d_6\"/>\u201d till ett v\u00e4rde a<span class=\"__10 _d_9\"/>v 2 989 mn euro (10 701 mn euro) fr<span class=\"__10 _471\"/>\u00e5n niv\u00e5 1 till niv\u00e5 2 och 3 731 mn euro (<span class=\"__10 _471\"/>4 954 mn euro) f<span class=\"__10 _471\"/>r\u00e5n niv\u00e5 2 till niv<span class=\"__10 _d_9\"/>\u00e5 1,<span class=\"__10 _c_9\"/> samt \u201d\u00d6vriga skul<span class=\"__10 _471\"/>der<span class=\"__10 _c_9\"/>\u201d till ett v\u00e4rde a<span class=\"__10 _471\"/>v 43 mn euro (256 mn euro) f<span class=\"__10 _471\"/>r\u00e5n niv\u00e5 1 till niv<span class=\"__10 _d_9\"/>\u00e5 2 och 2<span class=\"__10 _c_9\"/>35 mn euro (269 mn euro) f<span class=\"__10 _d_9\"/>r\u00e5n niv\u00e5 2 till niv\u00e5 1. \u00d6v<span class=\"__10 _471\"/>erf\u00f6ringarna fr<span class=\"__10 _d_9\"/>\u00e5n niv\u00e5 1 till niv\u00e5 2 gjordes eftersom instrumen<span class=\"__10 _471\"/>ten upph\u00f6rde a<span class=\"__10 _471\"/>tt handlas aktivt under \u00e5ret, vilket innebar att verkligt v<span class=\"__10 _471\"/>\u00e4rde ber\u00e4knades med v<span class=\"__10 _d_9\"/>\u00e4rde<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ringsmetoder baserade p\u00e5 observerbar<span class=\"__10 _d_9\"/>a marknadsdata. \u00d6ver<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>f\u00f6ringarna f<span class=\"__10 _471\"/>r\u00e5n niv\u00e5 2 till niv<span class=\"__10 _d_9\"/>\u00e5 1 gjordes eftersom instrumenten \u00e5terigen handlades ak<span class=\"__10 _d_9\"/>tivt under \u00e5ret<span class=\"__10 _c_9\"/>, vilket innebar att tillf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>litliga prisnoteringar f<span class=\"__10 _d_9\"/>anns tillg\u00e4ngliga p\u00e5 marknaden. \u00d6verf\u00f6<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ringar fr\u00e5n en niv<span class=\"__10 _471\"/>\u00e5 till en annan anses ha skett vid \u00e5rets sl<span class=\"__10 _471\"/>ut.<span class=\"__10 _469\"> </span>129<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>K3.<span class=\"__10 _471\"/>4  Verkligt v\u00e4rde, f<span class=\"__10 _471\"/>orts.<span class=\"__10 _469\"> </span>Tillg\u00e5ngar och skulder redovisade till v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde i balansr\u00e4kningen<span class=\"__10 _469\"> </span>F\u00f6r<span class=\"__10 _471\"/>delning i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4rde<span class=\"__10 _469\"> </span>31 dec 2021, mn euro<span class=\"__10 _469\"> </span>Instrument med publicerade prisnoteringar <span class=\"__10 _2b_4\"/> p\u00e5 en aktiv <span class=\"__10 _2b_4\"/> marknad (niv\u00e5 1)<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>arav <span class=\"__10 _2b_4\"/> Life &amp; Pension<span class=\"__10 _469\"> </span>V\u00e4r<span class=\"__10 _471\"/>deringsmetod baserad p\u00e5 observerbara marknadsdata (niv\u00e5 2)<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>arav Life &amp; Pension<span class=\"__10 _469\"> </span>V\u00e4r<span class=\"__10 _471\"/>deringsmetod baserad p\u00e5 icke observerbara marknadsdata (niv\u00e5 3)<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>arav Life &amp; Pension<span class=\"__10 _6b_2\"> </span>Summa<span class=\"__10 _469\"> </span>Tillg\u00e5ngar till verkligt v\u00e4rde i balansr<span class=\"__10 _d_9\"/><span class=\"__10 _469\">\u00e4kningen1<span class=\"__10 _469\"> </span></span>Utl\u00e5ning till centr<span class=\"__10 _471\"/>albanker<span class=\"__10 _8f_2\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _560\"> </span>404<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _4c_2\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _545\"> </span>404<span class=\"__10 _469\"> </span>Utl\u00e5ning till kreditinstitut<span class=\"__10 _561\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _562\"> </span>192<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _4c_2\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _496\"> </span>192<span class=\"__10 _469\"> </span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__10 _563\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _564\"> </span><span class=\"ls4_9 ws7_9\">75 176<span class=\"__10 _537\"> </span></span>\u2013<span class=\"__10 _4c_2\"> </span>\u2013<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _2a_4\"> </span><span class=\"ls4_9 ws7_9\">75 176<span class=\"__10 _469\"> </span></span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/><span class=\"__10 _469\">ande v\u00e4rdepapper2 </span><span class=\"__10 _566\"> </span>20 7<span class=\"__10 _d_9\"/>46<span class=\"__10 _4a_2\"> </span><span class=\"ls4_9 ws7_9\">1<span class=\"__10 _c_9\"/> 143<span class=\"__10 _567\"> </span></span>40 154<span class=\"__10 _510\"> </span>2 894<span class=\"__10 _551\"> </span>703<span class=\"__10 _496\"> </span><span class=\"ls10_8 ws17_8\">97<span class=\"__10 _568\"> </span></span>61 603<span class=\"__10 _469\"> </span>Aktier och andelar<span class=\"__10 _569\"> </span>12 456<span class=\"__10 _476\"> </span>10 543<span class=\"__10 _562\"> </span><span class=\"ls4_9 ws7_9\">515<span class=\"__10 _483\"> </span></span>353<span class=\"__10 _564\"> </span>2 2<span class=\"__10 _d_9\"/>46<span class=\"__10 _2a_4\"> </span>1 001<span class=\"__10 _5c_2\"> </span>15 217<span class=\"__10 _469\"> </span>Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s\u00e4kringsavtal<span class=\"__10 _495\"> </span>45 7<span class=\"__10 _d_9\"/>4<span class=\"__10 _c_9\"/>3<span class=\"__10 _476\"> </span>41 479<span class=\"__10 _9a_2\"> </span>411<span class=\"__10 _520\"> </span>411<span class=\"__10 _554\"> </span>156<span class=\"__10 _9b_2\"> </span>156<span class=\"__10 _568\"> </span>46 310<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _9c_3\"> </span>86<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _9d_2\"> </span>28 930<span class=\"__10 _565\"> </span>7<span class=\"__10 _9e_2\"> </span>1 184<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _9f_2\"> </span>30 200<span class=\"__10 _469\"> </span>\u00d6vriga tillg\u00e5ngar<span class=\"__10 _a0_2\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _550\"> </span>7 236<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _a1_2\"> </span>29<span class=\"__10 _a2_2\"> </span>28<span class=\"__10 _5a_2\"> </span>7 265<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _a3_2\"> </span> 79 031 <span class=\"__10 _a4_2\"> </span> 53 165 <span class=\"__10 _485\"> </span> 153 018 <span class=\"__10 _a5_3\"> </span> 3 665 <span class=\"__10 _a6_3\"> </span> 4 318 <span class=\"__10 _6c_2\"> </span> 1 282 <span class=\"__10 _a4_2\"> </span> 236 367 Skulder till verkligt v\u00e4r<span class=\"__10 _471\"/><span class=\"__10 _469\">de i balansr\u00e4kningen1<span class=\"__10 _469\"> </span></span>Skulder till kreditinstitut<span class=\"__10 _a7_3\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _504\"> </span>3 315<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _4c_2\"> </span>\u2013<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _515\"> </span>3 315<span class=\"__10 _469\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__10 _a8_3\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _a9_3\"> </span>2 639<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _4c_2\"> </span>\u2013<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _538\"> </span>2 639<span class=\"__10 _469\"> </span>Inl\u00e5ning i placeringsportf\u00f6ljer och fondf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s\u00e4kringsavtal<span class=\"__10 _aa_2\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _567\"> </span>48 201<span class=\"__10 _ab_2\"> </span>43 344<span class=\"__10 _4c_2\"> </span>\u2013<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _ac_2\"> </span>48 201<span class=\"__10 _469\"> </span>Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper<span class=\"__10 _ad_2\"> </span>38 760<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _7a_2\"> </span>17 659<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _564\"> </span>1 588<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _9f_2\"> </span>58 007<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _ae_3\"> </span><span class=\"ls4_9 ws7_9\">176<span class=\"__10 _537\"> </span></span>\u2013<span class=\"__10 _af_3\"> </span>30 292<span class=\"__10 _518\"> </span>27<span class=\"__10 _8a_2\"> </span>1 017<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _568\"> </span>31 485<span class=\"__10 _469\"> </span>\u00d6vriga skulder<span class=\"__10 _b0_2\"> </span>4 016<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _3a_5\"> </span>7 811<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _562\"> </span>46<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _491\"> </span>11 873<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _b1_2\"> </span> 42 952 <span class=\"__10 _b2_3\"> </span><span class=\"ff2_10\"> \u2013<span class=\"__10 _b3_2\"> </span></span> 109 917 <span class=\"__10 _a4_2\"> </span> 43 371 <span class=\"__10 _513\"> </span> 2 651 <span class=\"__10 _494\"> </span><span class=\"ff2_10\">\u2013 <span class=\"__10 _b4_2\"> </span></span> 155 520 1)  Samtliga poster v\u00e4r<span class=\"__10 _471\"/>deras till verkligt v\u00e4r<span class=\"__10 _471\"/>de vid slutet av v<span class=\"__10 _d_9\"/>arje rapportperiod.<span class=\"__10 _469\"> </span>2) V<span class=\"__10 _d_9\"/>arav <span class=\"__10 _2b_4\"/><span class=\"ws0_10\"><span class=\"__10 _469\">1 668 mn euro avser balanspost</span><span class=\"__10 _471\"/>en \u201dPan<span class=\"__10 _471\"/>tsatta \ufb01nansiella instrument\u201d<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span></span>Tillg\u00e5ngar och skulder redovisade till v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde i balansr\u00e4kningen F\u00f6r<span class=\"__10 _471\"/>delning i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4rde<span class=\"__10 _469\"> </span>31 dec 2022, mn euro<span class=\"__10 _469\"> </span>Instrument med publicerade prisnoteringar <span class=\"__10 _2b_4\"/> p\u00e5 en aktiv <span class=\"__10 _2b_4\"/> marknad (niv\u00e5 1)<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>arav <span class=\"__10 _2b_4\"/> Life &amp; Pension<span class=\"__10 _469\"> </span>V\u00e4r<span class=\"__10 _471\"/>deringsmetod baserad p\u00e5 observerbara marknadsdata (niv\u00e5 2)<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>arav Life &amp; Pension<span class=\"__10 _469\"> </span>V\u00e4r<span class=\"__10 _471\"/>deringsmetod baserad p\u00e5 icke observerbara marknadsdata (niv\u00e5 3)<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>arav Life &amp; Pension<span class=\"__10 _6b_2\"> </span>Summa<span class=\"__10 _469\"> </span>Tillg\u00e5ngar till verkligt v\u00e4rde i balansr<span class=\"__10 _d_9\"/><span class=\"__10 _469\">\u00e4kningen1<span class=\"__10 _469\"> </span></span>Utl\u00e5ning till centr<span class=\"__10 _471\"/>albanker<span class=\"__10 _8f_2\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _b5_3\"> </span>879<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _b6_3\"> </span>\u2013<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _518\"> </span>879<span class=\"__10 _469\"> </span>Utl\u00e5ning till kreditinstitut<span class=\"__10 _561\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _3a_5\"> </span><span class=\"lsd_8 ws13_9\">1<span class=\"__10 _c_9\"/> 74<span class=\"__10 _1d_6\"/>2<span class=\"__10 _565\"> </span></span>\u2013<span class=\"__10 _b6_3\"> </span>\u2013<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _487\"> </span><span class=\"lsd_8 ws13_9\">1<span class=\"__10 _c_9\"/> 74<span class=\"__10 _1d_6\"/>2<span class=\"__10 _469\"> </span></span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__10 _563\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _567\"> </span>70 627<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _b6_3\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _568\"> </span>70 627<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/><span class=\"__10 _469\">ande v\u00e4rdepapper2 </span><span class=\"__10 _b7_3\"> </span>25 961<span class=\"__10 _9f_2\"> </span>3 4<span class=\"__10 _c_9\"/>22<span class=\"__10 _b8_2\"> </span>38 368<span class=\"__10 _9f_2\"> </span>5 432<span class=\"__10 _b9_3\"> </span>437<span class=\"__10 _496\"> </span>47<span class=\"__10 _9f_2\"> </span>64 766<span class=\"__10 _469\"> </span>Aktier och andelar<span class=\"__10 _ba_3\"> </span>15 171<span class=\"__10 _476\"> </span>12 405<span class=\"__10 _bb_3\"> </span>406<span class=\"__10 _515\"> </span>264<span class=\"__10 _503\"> </span>2 347<span class=\"__10 _4a_2\"> </span>1 028<span class=\"__10 _4a_2\"> </span>17 924<span class=\"__10 _469\"> </span>Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s\u00e4kringsavtal<span class=\"__10 _8f_2\"> </span>39 994<span class=\"__10 _476\"> </span>36 167<span class=\"__10 _b5_3\"> </span>599<span class=\"__10 _514\"> </span>599<span class=\"__10 _b9_3\"> </span>362<span class=\"__10 _bc_2\"> </span>362<span class=\"__10 _9f_2\"> </span>40 955<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _bd_3\"> </span>159<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _9d_2\"> </span>34 550<span class=\"__10 _be_3\"> </span><span class=\"ls4_9 ws7_9\">117<span class=\"__10 _564\"> </span></span>1 869<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _568\"> </span>36 578<span class=\"__10 _469\"> </span>\u00d6vriga tillg\u00e5ngar<span class=\"__10 _a0_2\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _550\"> </span>6 327<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _a1_2\"> </span>33<span class=\"__10 _496\"> </span><span class=\"ls11_8 ws19_8\">25<span class=\"__10 _bf_3\"> </span></span>6 360<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _a3_2\"> </span> 81 285 <span class=\"__10 _501\"> </span> 51 994 <span class=\"__10 _c0_3\"> </span> 153 498 <span class=\"__10 _476\"> </span> 6 412 <span class=\"__10 _519\"> </span> 5 048 <span class=\"__10 _522\"> </span> 1 462 <span class=\"__10 _a4_2\"> </span> 2<span class=\"__10 _c_9\"/>39 831 Skulder till verkligt v\u00e4r<span class=\"__10 _471\"/><span class=\"__10 _469\">de i balansr\u00e4kningen1<span class=\"__10 _469\"> </span></span>Skulder till kreditinstitut<span class=\"__10 _a7_3\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _af_3\"> </span>10 446<span class=\"__10 _545\"> </span>44<span class=\"__10 _b6_3\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _9f_2\"> </span>10 446<span class=\"__10 _469\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__10 _a8_3\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _8a_2\"> </span>6 650<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _b6_3\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _bf_3\"> </span>6 650<span class=\"__10 _469\"> </span>Inl\u00e5ning i placeringsportf\u00f6ljer och fondf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s\u00e4kringsavtal<span class=\"__10 _aa_2\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _567\"> </span><span class=\"ls4_9 ws7_9\">4<span class=\"__10 _c_9\"/>2 7<span class=\"__10 _c_9\"/>76<span class=\"__10 _c1_2\"> </span></span>38 606<span class=\"__10 _b6_3\"> </span>\u2013<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _568\"> </span><span class=\"ls4_9 ws7_9\">4<span class=\"__10 _c_9\"/>2 7<span class=\"__10 _c_9\"/>76<span class=\"__10 _469\"> </span></span>Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper<span class=\"__10 _c2_3\"> </span>38 899<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _564\"> </span>11 328<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _564\"> </span>1 088<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _491\"> </span>51 315<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _c3_2\"> </span>659<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _c4_2\"> </span>37 623<span class=\"__10 _520\"> </span><span class=\"ls4_9 ws7_9\">14<span class=\"__10 _c_9\"/>1<span class=\"__10 _503\"> </span></span>1 820<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _ac_2\"> </span>40 102<span class=\"__10 _469\"> </span>\u00d6vriga skulder<span class=\"__10 _b0_2\"> </span>3 307<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _a9_3\"> </span>6 832<span class=\"__10 _518\"> </span>81<span class=\"__10 _9a_2\"> </span>63<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _568\"> </span>10 202<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _c5_3\"> </span> 42 865 <span class=\"__10 _b2_3\"> </span><span class=\"ff2_10\"> \u2013 <span class=\"__10 _485\"> </span></span> 115 655 <span class=\"__10 _501\"> </span> 38 87<span class=\"__10 _c_9\"/>2 <span class=\"__10 _c6_2\"> </span> 2 971 <span class=\"__10 _a2_2\"> </span><span class=\"ff2_10\"> \u2013 <span class=\"__10 _c7_2\"> </span></span> 161 491 1)  Samtliga poster v\u00e4r<span class=\"__10 _471\"/>deras till verkligt v\u00e4r<span class=\"__10 _471\"/>de vid slutet av v<span class=\"__10 _d_9\"/>arje rapportperiod.<span class=\"__10 _469\"> </span>2) V<span class=\"__10 _d_9\"/>arav <span class=\"__10 _2b_4\"/><span class=\"ws0_10\"><span class=\"__10 _469\">4 902 mn euro avser balanspost</span><span class=\"__10 _471\"/>en \u201dPan<span class=\"__10 _471\"/>tsatta \ufb01nansiella instrument\u201d<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span></span>130<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>K3.<span class=\"__10 _471\"/>4  Verkligt v\u00e4rde, f<span class=\"__10 _471\"/>orts.<span class=\"__10 _469\"> </span>2022, mn euro<span class=\"__10 _469\"> </span>Vinster och f\u00f6rl<span class=\"__10 _471\"/>uster som redovisats  i resulta<span class=\"__10 _471\"/>tr\u00e4kningen under \u00e5ret<span class=\"__10 _469\"> </span>Redo- visat <span class=\"__10 _2b_4\"/> i \u00f6vrigt total-<span class=\"__10 _469\"> </span>resulta<span class=\"__10 _471\"/>t<span class=\"__10 _469\"> </span>\u00d6ver- f\u00f6ringar <span class=\"__10 _2b_4\"/> till niv\u00e5 3<span class=\"__10 _469\"> </span>\u00d6ver- f\u00f6ringar <span class=\"__10 _2b_4\"/> fr\u00e5n <span class=\"__10 _2b_4\"/> niv\u00e5 3<span class=\"__10 _469\"> </span>1 jan 2022<span class=\"__10 _469\"> </span>Rea-<span class=\"ls0_10 ws0_10\"> </span>liserade Orea- liserade K\u00f6p/<span class=\"__10 _469\"> </span>emissioner<span class=\"__10 _469\"> </span>F\u00f6rs\u00e4lj- ningar<span class=\"__10 _469\"> </span>A<span class=\"__10 _d_9\"/>vr\u00e4k-<span class=\"__10 _469\"> </span>ningar<span class=\"__10 _d_9\"/>/ <span class=\"__10 _e_9\"/> likvider<span class=\"__10 _469\"> </span>Om- klassi\ufb01 -<span class=\"ws0_10\"> </span>cering<span class=\"__10 _469\"> </span>1<span class=\"__10 _469\"> </span>Om- r\u00e4knings-<span class=\"__10 _469\"> </span><span class=\"__10 _469\">diffe- </span>renser<span class=\"__10 _469\"> </span>31 dec 2022<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/>ande v\u00e4rdepapper<span class=\"__10 _c8_3\"> </span>703<span class=\"__10 _496\"> </span>2<span class=\"__10 _538\"> </span>-53<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _494\"> </span>121<span class=\"__10 _2a_4\"> </span><span class=\"ls3_9 ws6_9\">-236<span class=\"__10 _487\"> </span></span>-39<span class=\"__10 _a2_2\"> </span><span class=\"lse_8 ws14_9\">48<span class=\"__10 _491\"> </span></span>-103<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _565\"> </span>-6<span class=\"__10 _9f_2\"> </span>437<span class=\"__10 _469\"> </span>- vara<span class=\"__10 _d_9\"/>v Life &amp; Pension<span class=\"__10 _1c_6\"> </span><span class=\"ls10_8 ws17_8\">97<span class=\"__10 _498\"> </span></span>1<span class=\"__10 _548\"> </span><span class=\"ls4_9 ws7_9\">-1<span class=\"__10 _537\"> </span></span>\u2013<span class=\"__10 _8c_2\"> </span>22<span class=\"__10 _515\"> </span>-54<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _512\"> </span>5<span class=\"__10 _483\"> </span><span class=\"ls4_9 ws7_9\">-18<span class=\"__10 _3e_4\"> </span></span>\u2013<span class=\"__10 _4e_2\"> </span>-5<span class=\"__10 _bf_3\"> </span>47<span class=\"__10 _469\"> </span>Aktier och andelar<span class=\"__10 _552\"> </span>2 246<span class=\"__10 _483\"> </span>89<span class=\"__10 _483\"> </span>40<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _b2_3\"> </span>449<span class=\"__10 _2a_4\"> </span>-379<span class=\"__10 _483\"> </span><span class=\"ls4_9 ws7_9\">-18<span class=\"__10 _8c_2\"> </span></span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _be_3\"> </span><span class=\"ls4_9 ws7_9\">-15<span class=\"__10 _b2_3\"> </span></span>-65<span class=\"__10 _c9_3\"> </span>2 347<span class=\"__10 _469\"> </span>- vara<span class=\"__10 _d_9\"/>v Life &amp; Pension<span class=\"__10 _545\"> </span>1 001<span class=\"__10 _ca_2\"> </span>71<span class=\"__10 _5a_2\"> </span><span class=\"ls3_9 ws6_9\">-27<span class=\"__10 _cb_2\"> </span></span>\u2013<span class=\"__10 _508\"> </span>152<span class=\"__10 _2a_4\"> </span>-104<span class=\"__10 _483\"> </span><span class=\"ls4_9 ws7_9\">-18<span class=\"__10 _8c_2\"> </span></span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _518\"> </span>-47<span class=\"__10 _c9_3\"> </span>1 028<span class=\"__10 _469\"> </span>Tillg\u00e5ngar i placeringsportf\u00f6ljer  och fondf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s\u00e4kringsavtal<span class=\"__10 _bf_3\"> </span>156<span class=\"__10 _547\"> </span><span class=\"ls4_9 ws7_9\">-1<span class=\"__10 _520\"> </span></span>33<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _a2_2\"> </span>235<span class=\"__10 _514\"> </span>-66<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _494\"> </span>15<span class=\"__10 _b2_3\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _537\"> </span></span>\u2013<span class=\"__10 _cb_2\"> </span>-8<span class=\"__10 _9f_2\"> </span>362<span class=\"__10 _469\"> </span>- vara<span class=\"__10 _d_9\"/>v Life &amp; Pension<span class=\"__10 _8c_2\"> </span>156<span class=\"__10 _548\"> </span><span class=\"ls4_9 ws7_9\">-1<span class=\"__10 _520\"> </span></span>33<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _a2_2\"> </span>235<span class=\"__10 _514\"> </span>-66<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _498\"> </span>15<span class=\"__10 _518\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _537\"> </span></span>\u2013<span class=\"__10 _565\"> </span>-8<span class=\"__10 _9f_2\"> </span>362<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t (netto)<span class=\"__10 _4a_2\"> </span>167<span class=\"__10 _2a_4\"> </span>-<span class=\"__10 _d_9\"/>101<span class=\"__10 _4a_2\"> </span>-213<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _3f_4\"> </span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _514\"> </span>120<span class=\"__10 _a2_2\"> </span>60<span class=\"__10 _548\"> </span>16<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _cc_3\"> </span>49<span class=\"__10 _469\"> </span>\u00d6vriga tillg\u00e5ngar<span class=\"__10 _b9_3\"> </span>29<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _548\"> </span><span class=\"ls4_9 ws7_9\">-1<span class=\"__10 _537\"> </span></span>\u2013<span class=\"__10 _1c_6\"> </span>8<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _b2_3\"> </span>-3<span class=\"__10 _8c_2\"> </span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _bf_3\"> </span>33<span class=\"__10 _469\"> </span>- vara<span class=\"__10 _d_9\"/>v Life &amp; Pension<span class=\"__10 _1c_6\"> </span>28<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _1c_6\"> </span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _545\"> </span>-3<span class=\"__10 _536\"> </span>\u2013<span class=\"__10 _508\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _538\"> </span><span class=\"ls11_8 ws19_8\">25<span class=\"__10 _469\"> </span></span>Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper<span class=\"__10 _3c_4\"> </span>1 588<span class=\"__10 _bc_2\"> </span>53<span class=\"__10 _ac_2\"> </span><span class=\"ls3_9 ws6_9\">-25<span class=\"__10 _c_9\"/>6<span class=\"__10 _496\"> </span></span>-6<span class=\"__10 _b2_3\"> </span>348<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _4a_2\"> </span>-594<span class=\"__10 _498\"> </span>13<span class=\"__10 _515\"> </span>-58<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _c7_2\"> </span>1 088<span class=\"__10 _469\"> </span>\u00d6vriga skulder<span class=\"__10 _b6_3\"> </span>46<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _514\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _c_9\"/>1<span class=\"__10 _537\"> </span></span>\u2013<span class=\"__10 _565\"> </span>58<span class=\"__10 _487\"> </span><span class=\"ls3_9 ws6_9\">-20<span class=\"__10 _498\"> </span></span>\u2013<span class=\"__10 _536\"> </span>\u2013<span class=\"__10 _508\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _bf_3\"> </span>63<span class=\"__10 _469\"> </span>1)  Omklassi\ufb01cering avseende kon<span class=\"__10 _471\"/>vertering av Visa C<span class=\"__10 _d_9\"/>-aktier till Visa A<span class=\"__10 _d_9\"/>-aktier<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span>F\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndringar i niv\u00e5 3<span class=\"__10 _469\"> </span>Orealiserade vins<span class=\"__10 _d_9\"/>ter och f\u00f6rluster a<span class=\"__10 _d_9\"/>vser de tillg\u00e5ngar och skulder som innehades vid utg\u00e5ngen a<span class=\"__10 _d_9\"/>v \u00e5ret. \u00d6verf\u00f6ringarna fr\u00e5n niv<span class=\"__10 _471\"/>\u00e5 3 under \u00e5ret gjordes eft<span class=\"__10 _471\"/>ersom observerbara mark<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>nadsdata blev tillg\u00e4ngliga. \u00d6v<span class=\"__10 _d_9\"/>er<span class=\"__10 _c_9\"/>f\u00f6ringarna till niv<span class=\"__10 _471\"/>\u00e5 3 under 2022 gjordes eftersom observerbara marknads<span class=\"__10 _471\"/>data in<span class=\"__10 _d_9\"/>te l\u00e4ng-<span class=\"__10 _469\"> </span>re fanns till<span class=\"__10 _471\"/>g\u00e4ngliga. \u00d6verf\u00f6ringar f<span class=\"__10 _471\"/>r\u00e5n en niv\u00e5 till en annan anses ha skett vid \u00e5rets sl<span class=\"__10 _471\"/>ut. Vinster och f\u00f6rlus<span class=\"__10 _d_9\"/>ter redovisade i resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen under \u00e5ret ing\u00e5r i posten \u201dNettoresul<span class=\"__10 _d_9\"/>tat av poster till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde\u201d (se not K2.4 \u201dSumma nettoresult<span class=\"__10 _471\"/>at av pos<span class=\"__10 _d_9\"/>ter till verkligt v\u00e4rde\u201d). <span class=\"__10 _d_9\"/>Tillg\u00e5ngar och skulder avseende derivatins<span class=\"__10 _471\"/>trument r<span class=\"__10 _471\"/>edovisas netto.<span class=\"__10 _469\"> </span>2021, mn euro<span class=\"__10 _469\"> </span>Vinster och f\u00f6rl<span class=\"__10 _471\"/>uster som redovisats  i resulta<span class=\"__10 _471\"/>tr\u00e4kningen under \u00e5ret<span class=\"__10 _469\"> </span>Redo- visat <span class=\"__10 _2b_4\"/> i \u00f6vrigt total-<span class=\"__10 _469\"> </span>resulta<span class=\"__10 _471\"/>t<span class=\"__10 _469\"> </span>\u00d6ver- f\u00f6ringar <span class=\"__10 _2b_4\"/> till niv\u00e5 3<span class=\"__10 _469\"> </span>\u00d6ver-<span class=\"ls0_10 ws0_10\"> </span>f\u00f6ringar <span class=\"__10 _2b_4\"/><span class=\"ls0_10 ws0_10\"> </span>fr\u00e5n <span class=\"__10 _2b_4\"/> niv\u00e5 3<span class=\"__10 _469\"> </span>1 jan 2021<span class=\"__10 _469\"> </span>Rea-<span class=\"ls0_10 ws0_10\"> </span>liserade Orea- liserade K\u00f6p/<span class=\"__10 _469\"> </span>emissioner<span class=\"__10 _469\"> </span>F\u00f6rs\u00e4lj- ningar<span class=\"__10 _469\"> </span>A<span class=\"__10 _d_9\"/>vr\u00e4k-<span class=\"__10 _469\"> </span>ningar<span class=\"__10 _d_9\"/>/ <span class=\"__10 _e_9\"/> likvider<span class=\"__10 _469\"> </span>Om- klassi\ufb01 -<span class=\"ws0_10\"> </span>cering<span class=\"__10 _469\"> </span>Om- r\u00e4knings-<span class=\"__10 _469\"> </span><span class=\"__10 _469\">diffe- </span>renser<span class=\"__10 _469\"> </span>31 dec 2021<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/>ande v\u00e4rdepapper<span class=\"__10 _8b_2\"> </span> 931<span class=\"__10 _9b_2\"> </span><span class=\"lse_8 ws14_9\">-4<span class=\"__10 _487\"> </span><span class=\"ls4_9 ws7_9\"> 14<span class=\"__10 _537\"> </span></span></span>\u2013<span class=\"__10 _548\"> </span> 27<span class=\"__10 _c_9\"/>3<span class=\"__10 _491\"> </span>-155<span class=\"__10 _a2_2\"> </span> 4<span class=\"__10 _545\"> </span> 67<span class=\"__10 _4a_2\"> </span><span class=\"lse_8 ws14_9\">-439<span class=\"__10 _3e_4\"> </span></span>\u2013<span class=\"__10 _498\"> </span> 12<span class=\"__10 _6f_2\"> </span> 703<span class=\"__10 _469\"> </span>- vara<span class=\"__10 _d_9\"/>v Life &amp; Pension<span class=\"__10 _505\"> </span> 67<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _545\"> </span><span class=\"ls4_9 ws7_9\">-1<span class=\"__10 _3e_4\"> </span></span>\u2013<span class=\"__10 _498\"> </span> 46<span class=\"__10 _483\"> </span><span class=\"ls3_9 ws6_9\">-25<span class=\"__10 _508\"> </span></span> 1<span class=\"__10 _545\"> </span><span class=\"lse_8 ws14_9\"> 43<span class=\"__10 _483\"> </span></span>-37<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _536\"> </span> 3<span class=\"__10 _491\"> </span><span class=\"ls10_8 ws17_8\"> 97<span class=\"__10 _469\"> </span></span>Aktier och andelar<span class=\"__10 _552\"> </span>1 969<span class=\"__10 _5a_2\"> </span> 56<span class=\"__10 _4a_2\"> </span> 292<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _547\"> </span><span class=\"ls3_9 ws6_9\"> 3<span class=\"__10 _c_9\"/>24<span class=\"__10 _4a_2\"> </span></span>-340<span class=\"__10 _b2_3\"> </span>-5<span class=\"__10 _8c_2\"> </span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _b2_3\"> </span>-50<span class=\"__10 _cd_2\"> </span>2 246<span class=\"__10 _469\"> </span>- vara<span class=\"__10 _d_9\"/>v Life &amp; Pension<span class=\"__10 _498\"> </span> 835<span class=\"__10 _514\"> </span> 45<span class=\"__10 _538\"> </span> 96<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _548\"> </span> 220<span class=\"__10 _491\"> </span>-193<span class=\"__10 _545\"> </span>-5<span class=\"__10 _536\"> </span>\u2013<span class=\"__10 _508\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _536\"> </span> 3<span class=\"__10 _c1_2\"> </span>1 001<span class=\"__10 _469\"> </span>Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s\u00e4kringsavtal<span class=\"__10 _507\"> </span>92<span class=\"__10 _a2_2\"> </span>9<span class=\"__10 _bc_2\"> </span>30<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _8c_2\"> </span>53<span class=\"__10 _487\"> </span><span class=\"ls3_9 ws6_9\">-26<span class=\"__10 _b2_3\"> </span><span class=\"lse_8 ws14_9\">-4<span class=\"__10 _8c_2\"> </span></span></span>9<span class=\"__10 _b2_3\"> </span>-5<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _4e_2\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _ac_2\"> </span></span>156<span class=\"__10 _469\"> </span>- vara<span class=\"__10 _d_9\"/>v Life &amp; Pension<span class=\"__10 _1c_6\"> </span>92<span class=\"__10 _a2_2\"> </span>9<span class=\"__10 _bc_2\"> </span>30<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>53<span class=\"__10 _487\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _c_9\"/>6<span class=\"__10 _545\"> </span><span class=\"lse_8 ws14_9\">-4<span class=\"__10 _536\"> </span></span></span>9<span class=\"__10 _b2_3\"> </span>-5<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _8c_2\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _ac_2\"> </span></span>156<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t (netto)<span class=\"__10 _510\"> </span> 162<span class=\"__10 _538\"> </span><span class=\"ls3_9 ws6_9\">-26<span class=\"__10 _514\"> </span><span class=\"ls14_8 ws1c_8\">-75<span class=\"__10 _cb_2\"> </span></span></span>\u2013<span class=\"__10 _3f_4\"> </span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _487\"> </span> 40<span class=\"__10 _494\"> </span>-6<span class=\"__10 _bc_2\"> </span><span class=\"ls15_8 ws1d_8\"> 72<span class=\"__10 _3e_4\"> </span></span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _531\"> </span> 167<span class=\"__10 _469\"> </span>\u00d6vriga tillg\u00e5ngar<span class=\"__10 _ce_3\"> </span> 31<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _1c_6\"> </span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _b2_3\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _8c_2\"> </span></span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _2a_4\"> </span> 29<span class=\"__10 _469\"> </span>- vara<span class=\"__10 _d_9\"/>v Life &amp; Pension<span class=\"__10 _cf_2\"> </span> 30<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _1c_6\"> </span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _b2_3\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _8c_2\"> </span></span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _cf_2\"> </span>\u2013<span class=\"__10 _491\"> </span> 28<span class=\"__10 _469\"> </span>Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper<span class=\"__10 _9f_2\"> </span>1 781<span class=\"__10 _514\"> </span> 53<span class=\"__10 _1f_6\"> </span>27<span class=\"__10 _c_9\"/>2<span class=\"__10 _3e_4\"> </span> 1<span class=\"__10 _547\"> </span> 401<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _2a_4\"> </span>-472<span class=\"__10 _a2_2\"> </span> 31<span class=\"__10 _4a_2\"> </span>-479<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _c9_3\"> </span>1 588<span class=\"__10 _469\"> </span>\u00d6vriga skulder<span class=\"__10 _d0_2\"> </span> 32<span class=\"__10 _487\"> </span><span class=\"ls4_9 ws7_9\">-11<span class=\"__10 _a2_2\"> </span></span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _d1_2\"> </span> 33<span class=\"__10 _545\"> </span>-8<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _2a_4\"> </span> 46<span class=\"__10 _469\"> </span>131<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>K3.<span class=\"__10 _471\"/>4  Verkligt v\u00e4rde, f<span class=\"__10 _471\"/>orts.<span class=\"__10 _469\"> </span>Processen f<span class=\"__10 _d_9\"/>\u00f6r v\u00e4rdering till verkligt v<span class=\"__10 _471\"/>\u00e4rde V<span class=\"__10 _d_9\"/>\u00e4rderingsprocessen i Nordea utg\u00f6rs a<span class=\"__10 _d_9\"/>v flera steg. F<span class=\"__10 _471\"/>\u00f6rsta ste-<span class=\"__10 _469\"> </span>get \u00e4r att ta fr<span class=\"__10 _d_9\"/>am medelpriset vid dagens slut<span class=\"__10 _c_9\"/><span class=\"__10 _469\">. Det \u00e4r aff\u00e4rs-<span class=\"__10 _469\"> </span></span>omr\u00e5dena som ansvar<span class=\"__10 _d_9\"/>ar f\u00f6r att fas<span class=\"__10 _d_9\"/>tst\u00e4lla korrekt<span class=\"__10 _471\"/>a priser f\u00f6r v\u00e4rderingspr<span class=\"__10 _471\"/>ocessen. Dessa priser \u00e4r an<span class=\"__10 _d_9\"/>tingen internt f<span class=\"__10 _d_9\"/>ast-<span class=\"__10 _469\"> </span>st\u00e4llda a<span class=\"__10 _d_9\"/>v en tradingenhet eller inh\u00e4mtade fr<span class=\"__10 _471\"/>\u00e5n ext<span class=\"__10 _d_9\"/>erna k\u00e4llor. V<span class=\"__10 _d_9\"/>\u00e4rderingspriserna och v\u00e4rderingsmetoderna kon<span class=\"__10 _d_9\"/>trolleras och testas d\u00e4r<span class=\"__10 _471\"/>efter a<span class=\"__10 _d_9\"/>v en kontrollenhet i f<span class=\"__10 _471\"/>\u00f6rsta f<span class=\"__10 _471\"/>\u00f6rsvarslinjen som \u00e4r oberoende fr<span class=\"__10 _d_9\"/>\u00e5n de risktagande enheterna i fron<span class=\"__10 _d_9\"/><span class=\"__10 _469\">t offi-<span class=\"__10 _469\"> </span></span>ce. Allr<span class=\"__10 _d_9\"/>a viktigast i kon<span class=\"__10 _471\"/>trollproce<span class=\"__10 _471\"/>ssen \u00e4r den oberoende kon-<span class=\"__10 _469\"> </span>trollen a<span class=\"__10 _d_9\"/>v priser. H\u00e4r k<span class=\"__10 _d_9\"/>ontrolleras rik<span class=\"__10 _471\"/>tigheten i v\u00e4rderingarna genom att j\u00e4mf<span class=\"__10 _d_9\"/>\u00f6ra medelpriserna vid dagens slut med data fr\u00e5n ober<span class=\"__10 _471\"/>oende k\u00e4llor<span class=\"__10 _d_9\"/>. Slutligen analyseras r<span class=\"__10 _d_9\"/>esultatet a<span class=\"__10 _471\"/>v v\u00e4r-<span class=\"__10 _469\"> </span>deringskontr<span class=\"__10 _d_9\"/>ollen och v\u00e4rderingarna, och eventuella no<span class=\"__10 _d_9\"/>te-<span class=\"__10 _469\"> </span>ringar eskaleras. <span class=\"__10 _d_9\"/>\u00c4v<span class=\"__10 _471\"/>en justeringar f<span class=\"__10 _d_9\"/>\u00f6r variationer i oberoende<span class=\"__10 _469\"> </span>priskontr<span class=\"__10 _d_9\"/>oller ing\u00e5r i verkligt v\u00e4rde. Kon<span class=\"__10 _d_9\"/>trollen av rik<span class=\"__10 _471\"/>tigheten i priser och andra par<span class=\"__10 _471\"/>ametrar utf<span class=\"__10 _471\"/>\u00f6rs som minimum p\u00e5 m\u00e5nads<span class=\"ws0_10\">-<span class=\"__10 _469\"> </span></span>basis och f\u00f6r m\u00e5nga pr<span class=\"__10 _471\"/>odukter dagligen. In<span class=\"__10 _d_9\"/>formation fr<span class=\"__10 _471\"/>\u00e5n tredje part, s\u00e5som prisnoteringar och annan prisinf<span class=\"__10 _d_9\"/>ormation fr\u00e5n m\u00e4klar<span class=\"__10 _471\"/>e, anv\u00e4nds som j\u00e4m<span class=\"__10 _d_9\"/>f\u00f6relseuppgifter vid kon<span class=\"__10 _d_9\"/>trol-<span class=\"__10 _469\"> </span>len. J\u00e4mf<span class=\"__10 _d_9\"/>\u00f6relseuppgifternas kvalitet bed\u00f6ms regelbundet.<span class=\"__10 _469\"> </span>Justeringar till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde p\u00e5 portf\u00f6ljniv\u00e5 och uppskjut-<span class=\"__10 _469\"> </span>na dag 1-re<span class=\"__10 _471\"/>sultat f<span class=\"__10 _471\"/>r\u00e5n niv\u00e5 3-tr<span class=\"__10 _d_9\"/>ansaktioner ber\u00e4knas och rap-<span class=\"__10 _469\"> </span>porteras m\u00e5nadsvis. Den fak<span class=\"__10 _d_9\"/>tiska bed\u00f6mningen av instru-<span class=\"__10 _469\"> </span>ment i hier<span class=\"__10 _471\"/>arkin f\u00f6r v<span class=\"__10 _471\"/>erkligt v\u00e4rde utf<span class=\"__10 _d_9\"/>\u00f6rs kontinuerligt.<span class=\"__10 _469\"> </span>S\u00e4rskilda team inom riskorganisationen ansv<span class=\"__10 _d_9\"/>arar i andra f\u00f6rsvarslinjen f<span class=\"__10 _d_9\"/>\u00f6r att \u00f6vervaka och oberoende bed\u00f6ma de v\u00e4r-<span class=\"__10 _469\"> </span>deringar och kontr<span class=\"__10 _d_9\"/>oller som g\u00f6r<span class=\"__10 _c_9\"/>s av a<span class=\"__10 _d_9\"/><span class=\"__10 _469\">ff\u00e4rsomr\u00e5dena och </span>Group Finance (f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>sta f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>svarslinjen).<span class=\"__10 _469\"> </span>132<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>V<span class=\"__10 _d_9\"/>\u00e4rderingsmetoder och indata som anv<span class=\"__10 _471\"/>\u00e4nds vid v\u00e4rderingen till v<span class=\"__10 _471\"/>erkligt v\u00e4rde i niv<span class=\"__10 _471\"/>\u00e5 3<span class=\"__10 _469\"> </span>31 dec 2022, mn euro<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt v\u00e4rde V<span class=\"__10 _d_9\"/>arav Life &amp; <span class=\"__10 _469\">Pension1</span><span class=\"__10 _6c_2\"> </span>V\u00e4rderingmetoder<span class=\"__10 _469\"> </span>Ej observerbara indata<span class=\"__10 _469\"> </span>Intervall f<span class=\"__10 _471\"/>\u00f6r <span class=\"__10 _2b_4\"/> verkligt v\u00e4rde<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4rande v<span class=\"__10 _d_9\"/>\u00e4rdepapper Bol\u00e5neinstitut och andra kreditins<span class=\"__10 _d_9\"/>titut<span class=\"__10 _8c_2\"> </span>238<span class=\"__10 _503\"> </span>47<span class=\"__10 _6c_2\"> </span>Diskonterade kassafl<span class=\"__10 _471\"/>\u00f6den<span class=\"__10 _564\"> </span>Kreditspr<span class=\"__10 _d_9\"/>ead<span class=\"__10 _d2_2\"> </span>-15/15<span class=\"__10 _469\"> </span>F\u00f6ret<span class=\"__10 _471\"/><span class=\"__10 _469\">ag2</span><span class=\"__10 _d3_2\"> </span>199<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Diskon<span class=\"__10 _471\"/>terade kassafl\u00f6den<span class=\"__10 _7a_2\"> </span>Kreditspread<span class=\"__10 _d4_3\"> </span>-5/5<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _495\"> </span>437<span class=\"__10 _564\"> </span>47<span class=\"__10 _d5_2\"> </span>-20/20<span class=\"__10 _469\"> </span>Aktier och andelar Private equity-f<span class=\"__10 _d_9\"/>onder<span class=\"__10 _d6_2\"> </span>1 316<span class=\"__10 _d7_2\"> </span>693<span class=\"__10 _6f_2\"> </span>Andelsv\u00e4r<span class=\"__10 _471\"/><span class=\"__10 _469\">de3</span><span class=\"__10 _d8_3\"> </span>-151/151<span class=\"__10 _469\"> </span>Hedgefonder<span class=\"__10 _d9_2\"> </span>68<span class=\"__10 _564\"> </span>67<span class=\"__10 _6f_2\"> </span><span class=\"__10 _469\">Andelsv\u00e4rde3</span><span class=\"__10 _da_2\"> </span>-6/6<span class=\"__10 _469\"> </span>Kreditfonder<span class=\"__10 _d9_2\"> </span><span class=\"ls4_9 ws7_9\">511<span class=\"__10 _564\"> </span></span>63<span class=\"__10 _6f_2\"> </span>Andelsv\u00e4rde/<span class=\"__10 _d_9\"/><span class=\"__10 _469\">analytikerkonsensus3</span><span class=\"__10 _db_2\"> </span>-49/49<span class=\"__10 _469\"> </span>\u00d6vriga fonder<span class=\"__10 _dc_2\"> </span>323<span class=\"__10 _513\"> </span>193<span class=\"__10 _6f_2\"> </span>Andelsv\u00e4rde/f<span class=\"__10 _d_9\"/><span class=\"__10 _469\">ondkurser3</span><span class=\"__10 _499\"> </span>-27/27<span class=\"__10 _469\"> </span><span class=\"__10 _469\">\u00d6vrigt4</span><span class=\"__10 _563\"> </span>491<span class=\"__10 _513\"> </span><span class=\"lsd_8 ws13_9\">3<span class=\"__10 _c_9\"/>74<span class=\"__10 _3c_4\"> </span></span>\u2013<span class=\"__10 _dd_3\"> </span>-52/52<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _de_2\"> </span>2 709<span class=\"__10 _1c_6\"> </span>1 390<span class=\"__10 _527\"> </span> -285/285 Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _469\"> </span>R\u00e4ntederiv<span class=\"__10 _471\"/>at<span class=\"__10 _d9_2\"> </span>-81<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6c_2\"> </span>Optionsmodell<span class=\"__10 _557\"> </span>Korrelationer<span class=\"__10 _490\"> </span>-<span class=\"__10 _d_9\"/>20/<span class=\"__10 _c_9\"/>21<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>Aktiederiva<span class=\"__10 _d_9\"/>t<span class=\"__10 _db_2\"> </span>-5<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Op<span class=\"__10 _471\"/>tionsmodell<span class=\"__10 _557\"> </span>Korr<span class=\"__10 _471\"/>elationer<span class=\"__10 _d4_3\"> </span><span class=\"ls16_8 ws1e_7\">-7/<span class=\"__10 _c_9\"/>4<span class=\"__10 _469\"> </span></span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>Utdelning<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>alutaderivat<span class=\"__10 _df_2\"> </span>286<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Optionsmodell<span class=\"__10 _557\"> </span>K<span class=\"__10 _d_9\"/>orrelationer<span class=\"__10 _e0_2\"> </span>-4/2<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>Kreditderiva<span class=\"__10 _471\"/>t<span class=\"__10 _df_2\"> </span><span class=\"ls4_9 ws7_9\">-152<span class=\"__10 _504\"> </span></span>\u2013<span class=\"__10 _6f_2\"> </span>Kreditderiva<span class=\"__10 _d_9\"/>tmodell <span class=\"__10 _e1_2\"> </span>Korrela<span class=\"__10 _471\"/>tioner<span class=\"__10 _e2_2\"> </span>-11/16<span class=\"__10 _469\"> </span>\u00c5tervinningsgrad<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>\u00d6vrigt<span class=\"__10 _e3_2\"> </span>1<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Optionsmodell<span class=\"__10 _557\"> </span>K<span class=\"__10 _d_9\"/>orrelationer<span class=\"__10 _e4_2\"> </span>-0/0<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _563\"> </span>49<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _e5_2\"> </span>-42/43<span class=\"__10 _469\"> </span>Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper<span class=\"__10 _469\"> </span>Emitterade struk<span class=\"__10 _d_9\"/>turerade obligationer<span class=\"__10 _487\"> </span>-1 088<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Kredit<span class=\"__10 _471\"/>derivatmodell <span class=\"__10 _e6_2\"> </span>Korrela<span class=\"__10 _471\"/>tioner<span class=\"__10 _e7_2\"> </span>-5/5<span class=\"__10 _469\"> </span>\u00c5tervinningsgrad<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _e8_3\"> </span>-1 088<span class=\"__10 _504\"> </span><span class=\"ff2_10\">\u2013<span class=\"__10 _e9_3\"> </span></span>-5/5<span class=\"__10 _469\"> </span>\u00d6vrigt, netto<span class=\"__10 _469\"> </span>\u00d6vriga tillg\u00e5ngar och \u00d6vriga skulder<span class=\"__10 _d_9\"/>, netto<span class=\"__10 _ea_3\"> </span>-30<span class=\"__10 _503\"> </span><span class=\"ls11_8 ws19_8\">25<span class=\"__10 _6c_2\"> </span></span>\u2013<span class=\"__10 _492\"> </span>\u2013<span class=\"__10 _eb_2\"> </span>-3/3<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _553\"> </span>-30<span class=\"__10 _503\"> </span><span class=\"ls17_8 ws1f_7\">25<span class=\"__10 _6a_2\"> </span></span>-3/3<span class=\"__10 _469\"> </span>1)   <span class=\"__10 _2b_4\"/>Innehav i \ufb01nansiella instrument utg\u00f6r en s<span class=\"__10 _d_9\"/>tor del av livf\u00f6rs\u00e4kringsr\u00f6relsen, i syfte att fullg\u00f6r<span class=\"__10 _471\"/>a \u00e5taganden i f\u00f6rs\u00e4kringsa<span class=\"__10 _d_9\"/>vtal och \ufb01nansiella avtal. Vinster och f\u00f6rlus<span class=\"__10 _471\"/>ter h\u00e4nf<span class=\"__10 _471\"/>\u00f6rliga till dessa instrument alloker<span class=\"__10 _d_9\"/>as n\u00e4stan uteslutande till f\u00f6rs\u00e4kringstagarna och p\u00e5<span class=\"__10 _471\"/>verkar d\u00e4rmed inte Nor<span class=\"__10 _d_9\"/>deas eget kapital<span class=\"__10 _c_9\"/>.<span class=\"__10 _469\"> </span>2)   <span class=\"__10 _2b_4\"/>Var<span class=\"__10 _471\"/><span class=\"__10 _469\">av 150 mn euro priss\u00e4</span><span class=\"__10 _471\"/>tts utifr\u00e5n en kreditspread (skillnaden mellan disk<span class=\"__10 _471\"/>onteringsr\u00e4n<span class=\"__10 _d_9\"/>tan och LIBOR) p\u00e5 1,45 procent, och en rimlig f\u00f6r\u00e4ndring av denna kr<span class=\"__10 _d_9\"/>editspread  skulle inte p\u00e5<span class=\"__10 _d_9\"/>verka det verkliga v\u00e4rdet med tanke p\u00e5 \u00e5terk<span class=\"__10 _d_9\"/>\u00f6psm\u00f6jligheten. 3)   <span class=\"__10 _2b_4\"/>Verkligt v\u00e4r<span class=\"__10 _471\"/>de baseras p\u00e5 kurser och andelsv\u00e4rden s<span class=\"__10 _471\"/>om erh\u00e5llits av e<span class=\"__10 _471\"/>xterna leveran<span class=\"__10 _d_9\"/>t\u00f6rer/f\u00f6rvaltare. De<span class=\"__10 _471\"/>ssa kurser fasts<span class=\"__10 _471\"/>t\u00e4lls utifr\u00e5n v\u00e4r<span class=\"__10 _d_9\"/>deutvecklingen i de underliggande tillg\u00e5ng<span class=\"__10 _469\"> </span>-<span class=\"__10 _469\"> </span>arna. Den allra vanligaste v<span class=\"__10 _d_9\"/>\u00e4rderingsmetoden f\u00f6r private equity-fonder hos le<span class=\"__10 _471\"/>verant<span class=\"__10 _471\"/>\u00f6rer/f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>valtare \u00f6v<span class=\"__10 _471\"/>erensst\u00e4mmer med anvisningarna i In<span class=\"__10 _d_9\"/>ternational Private Equity and V<span class=\"__10 _d_9\"/>enture Capital V<span class=\"__10 _d_9\"/>aluation (IPEV), som utf\u00e4rdats a<span class=\"__10 _471\"/>v Invest E<span class=\"__10 _d_9\"/>urope (tidigare kallad EVCA). Ungef<span class=\"__10 _471\"/>\u00e4r 50 procent a<span class=\"__10 _d_9\"/>v innehavet i private equity-f<span class=\"__10 _471\"/>onder justeras/v<span class=\"__10 _471\"/>\u00e4rderas int<span class=\"__10 _471\"/>ernt utifr\u00e5n IPEV<span class=\"__10 _d_9\"/>-<span class=\"__10 _469\"> </span>anvisningarna. De redovisade v\u00e4r<span class=\"__10 _471\"/>dena f\u00f6r dessa ligger i in<span class=\"__10 _471\"/>tervallet 1 till 100 procen<span class=\"__10 _471\"/>t j\u00e4mf\u00f6rt med de v\u00e4r<span class=\"__10 _471\"/>den som erh\u00e5llits fr\u00e5n lever<span class=\"__10 _d_9\"/>ant\u00f6rer/f\u00f6rvaltar<span class=\"__10 _d_9\"/>e.<span class=\"__10 _469\"> </span>4)   <span class=\"__10 _2b_4\"/>Var<span class=\"__10 _471\"/>av 362 mn euro r<span class=\"__10 _471\"/>elateras till tillg\u00e5ngar i placeringsportf<span class=\"__10 _471\"/>\u00f6ljer och fondf<span class=\"__10 _471\"/>\u00f6rs\u00e4kringsavtal.<span class=\"__10 _469\"> </span>K3.<span class=\"__10 _471\"/>4  Verkligt v\u00e4rde, f<span class=\"__10 _471\"/>orts.<span class=\"__10 _469\"> </span>133<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>V<span class=\"__10 _d_9\"/>\u00e4rderingsmetoder och indata som anv<span class=\"__10 _471\"/>\u00e4nds vid v\u00e4rderingen till v<span class=\"__10 _471\"/>erkligt v\u00e4rde i niv<span class=\"__10 _471\"/>\u00e5 3<span class=\"__10 _469\"> </span>31 dec 2021, mn euro<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt v\u00e4rde V<span class=\"__10 _d_9\"/>arav Life &amp; <span class=\"__10 _469\">Pension1</span><span class=\"__10 _6c_2\"> </span>V\u00e4rderingmetoder<span class=\"__10 _469\"> </span>Ej observerbara indata<span class=\"__10 _469\"> </span>Intervall f<span class=\"__10 _471\"/>\u00f6r <span class=\"__10 _2b_4\"/> verkligt v\u00e4rde<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4rande v<span class=\"__10 _d_9\"/>\u00e4rdepapper Offen<span class=\"__10 _471\"/>tliga institutioner<span class=\"__10 _ec_2\"> </span>40<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Diskon<span class=\"__10 _471\"/>terade kassafl\u00f6den<span class=\"__10 _7a_2\"> </span>Kreditspread<span class=\"__10 _e7_2\"> </span>-4/4<span class=\"__10 _469\"> </span>Bol\u00e5neinstitut och andra kreditins<span class=\"__10 _d_9\"/>titut<span class=\"__10 _536\"> </span>491<span class=\"__10 _564\"> </span>92<span class=\"__10 _6f_2\"> </span>Diskonter<span class=\"__10 _471\"/>ade kassafl\u00f6den<span class=\"__10 _ed_2\"> </span>Kreditspread<span class=\"__10 _ee_3\"> </span>-41/41<span class=\"__10 _469\"> </span>F\u00f6ret<span class=\"__10 _471\"/><span class=\"__10 _469\">ag2</span><span class=\"__10 _8f_2\"> </span><span class=\"ls4_9 ws7_9\">17<span class=\"__10 _c_9\"/>2<span class=\"__10 _559\"> </span></span>5<span class=\"__10 _6f_2\"> </span>Diskon<span class=\"__10 _471\"/>terade kassafl\u00f6den<span class=\"__10 _7a_2\"> </span>Kreditspread<span class=\"__10 _ef_2\"> </span><span class=\"ls4_9 ws7_9\">-17<span class=\"__10 _471\"/>/17<span class=\"__10 _469\"> </span></span>Summa<span class=\"__10 _495\"> </span>703<span class=\"__10 _564\"> </span><span class=\"ls18_8 ws20_7\">97<span class=\"__10 _f0_3\"> </span></span>-62/62<span class=\"__10 _469\"> </span>Aktier och andelar Private equity-f<span class=\"__10 _d_9\"/>onder<span class=\"__10 _f1_2\"> </span>938<span class=\"__10 _7d_3\"> </span>633<span class=\"__10 _6f_2\"> </span><span class=\"__10 _469\">Andelsv\u00e4rde3</span><span class=\"__10 _f2_2\"> </span>-111/111<span class=\"__10 _469\"> </span>Hedgefonder<span class=\"__10 _c2_3\"> </span><span class=\"ls15_8 ws1d_8\">72<span class=\"__10 _9e_2\"> </span></span>71<span class=\"__10 _6f_2\"> </span><span class=\"__10 _469\">Andelsv\u00e4rde3</span><span class=\"__10 _da_2\"> </span>-6/6<span class=\"__10 _469\"> </span>Kreditfonder<span class=\"__10 _f3_2\"> </span>498<span class=\"__10 _b8_2\"> </span>115<span class=\"__10 _6f_2\"> </span>Andelsv\u00e4rde/<span class=\"__10 _d_9\"/><span class=\"__10 _469\">analytikerkonsensus3</span><span class=\"__10 _f4_2\"> </span>-45/45<span class=\"__10 _469\"> </span>\u00d6vriga fonder<span class=\"__10 _df_2\"> </span><span class=\"ls4_9 ws7_9\">512<span class=\"__10 _a6_3\"> </span></span>168<span class=\"__10 _6f_2\"> </span><span class=\"__10 _469\">Andelsv\u00e4rde/fondkurser3</span><span class=\"__10 _f5_2\"> </span>-46/46<span class=\"__10 _469\"> </span><span class=\"__10 _469\">\u00d6vrigt4</span><span class=\"__10 _f6_2\"> </span>382<span class=\"__10 _513\"> </span><span class=\"ls4_9 ws7_9\">17<span class=\"__10 _c_9\"/>0<span class=\"__10 _6f_2\"> </span></span>\u2013<span class=\"__10 _f7_2\"> </span>-39/39<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _de_2\"> </span>2 402<span class=\"__10 _485\"> </span>1 157<span class=\"__10 _f8_2\"> </span><span class=\"ls3_9 ws6_9\"> -247/24<span class=\"__10 _c_9\"/>7 </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _469\"> </span>R\u00e4ntederiv<span class=\"__10 _471\"/>at<span class=\"__10 _f9_2\"> </span>216<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Optionsmodell<span class=\"__10 _557\"> </span>K<span class=\"__10 _d_9\"/>orrelationer<span class=\"__10 _e2_2\"> </span>-12/12<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>Aktiederiva<span class=\"__10 _d_9\"/>t<span class=\"__10 _fa_2\"> </span><span class=\"lsd_8 ws13_9\">-74<span class=\"__10 _3a_5\"> </span></span>\u2013<span class=\"__10 _6f_2\"> </span>Optionsmodell<span class=\"__10 _557\"> </span>Korrela<span class=\"__10 _d_9\"/>tioner<span class=\"__10 _fb_2\"> </span>-11/8<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>Utdelning<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>alutaderivat<span class=\"__10 _c2_3\"> </span>41<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Optionsmodell<span class=\"__10 _557\"> </span>Korrela<span class=\"__10 _d_9\"/>tioner<span class=\"__10 _fc_3\"> </span>0/0<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>Kreditderiva<span class=\"__10 _471\"/>t<span class=\"__10 _fd_2\"> </span><span class=\"ls4_9 ws7_9\">-18<span class=\"__10 _504\"> </span></span>\u2013<span class=\"__10 _6f_2\"> </span>Kreditderivatmodell <span class=\"__10 _e6_2\"> </span>Korrela<span class=\"__10 _d_9\"/>tioner<span class=\"__10 _490\"> </span>-<span class=\"__10 _d_9\"/>20/<span class=\"__10 _c_9\"/>27<span class=\"__10 _469\"> </span>\u00c5tervinningsgrad<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>\u00d6vrigt<span class=\"__10 _fe_2\"> </span>2<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Optionsmodell<span class=\"__10 _557\"> </span>K<span class=\"__10 _d_9\"/>orrelationer<span class=\"__10 _e4_2\"> </span>-0/0<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _553\"> </span>167<span class=\"__10 _550\"> </span>\u2013<span class=\"__10 _d5_2\"> </span>-43/47<span class=\"__10 _469\"> </span>Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper<span class=\"__10 _469\"> </span>Emitterade struk<span class=\"__10 _d_9\"/>turerade obligationer<span class=\"__10 _548\"> </span>1 588<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Kreditderiv<span class=\"__10 _d_9\"/>atmodell <span class=\"__10 _e1_2\"> </span>Korr<span class=\"__10 _471\"/>elationer<span class=\"__10 _d4_3\"> </span><span class=\"ls16_8 ws1e_7\">-<span class=\"__10 _c_9\"/>7/<span class=\"__10 _1d_6\"/>7<span class=\"__10 _469\"> </span></span>\u00c5tervinningsgrad<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _de_2\"> </span>1 588<span class=\"__10 _504\"> </span><span class=\"ff2_10\">\u2013<span class=\"__10 _ff_2\"> </span></span><span class=\"ls16_8 ws1e_7\">-7/<span class=\"__10 _1d_6\"/>7<span class=\"__10 _469\"> </span></span>\u00d6vrigt, netto<span class=\"__10 _469\"> </span>\u00d6vriga tillg\u00e5ngar och \u00d6vriga skulder<span class=\"__10 _d_9\"/>, netto<span class=\"__10 _7e_2\"> </span><span class=\"ls4_9 ws7_9\">-17<span class=\"__10 _564\"> </span></span>28<span class=\"__10 _6f_2\"> </span>\u2013<span class=\"__10 _570\"> </span>\u2013<span class=\"__10 _571\"> </span>1/-1<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _561\"> </span><span class=\"ls4_9 ws7_9\">-17<span class=\"__10 _ed_2\"> </span></span>28<span class=\"__10 _572\"> </span>1/-1<span class=\"__10 _469\"> </span>1)   <span class=\"__10 _2b_4\"/>Innehav i \ufb01nansiella instrument utg\u00f6r en s<span class=\"__10 _d_9\"/>tor del av livf\u00f6rs\u00e4kringsr\u00f6relsen, i syfte att fullg\u00f6r<span class=\"__10 _471\"/>a \u00e5taganden i f\u00f6rs\u00e4kringsa<span class=\"__10 _d_9\"/>vtal och \ufb01nansiella avtal. Vinster och f\u00f6rlus<span class=\"__10 _471\"/>ter h\u00e4nf<span class=\"__10 _471\"/>\u00f6rliga till dessa instrument alloker<span class=\"__10 _d_9\"/>as n\u00e4stan uteslutande till f\u00f6rs\u00e4kringstagarna och p\u00e5<span class=\"__10 _471\"/>verkar d\u00e4rmed inte Nor<span class=\"__10 _d_9\"/>deas eget kapital<span class=\"__10 _c_9\"/>.<span class=\"__10 _469\"> </span>2)   <span class=\"__10 _2b_4\"/>Var<span class=\"__10 _471\"/><span class=\"__10 _469\">av 155 mn euro priss\u00e4</span><span class=\"__10 _471\"/>tts utifr\u00e5n en kreditspread (skillnaden mellan disk<span class=\"__10 _471\"/>onteringsr\u00e4n<span class=\"__10 _d_9\"/>tan och LIBOR) p\u00e5 1,45 procent, och en rimlig f\u00f6r\u00e4ndring av denna kr<span class=\"__10 _d_9\"/>editspread skulle inte p\u00e5verka det v<span class=\"__10 _471\"/>erkliga v\u00e4rdet med tanke p\u00e5 \u00e5<span class=\"__10 _471\"/>terk\u00f6psm\u00f6jligheten. 3)   <span class=\"__10 _2b_4\"/>Verkligt v\u00e4r<span class=\"__10 _471\"/>de baseras p\u00e5 kurser och andelsv\u00e4rden s<span class=\"__10 _471\"/>om erh\u00e5llits av e<span class=\"__10 _471\"/>xterna leveran<span class=\"__10 _d_9\"/>t\u00f6rer/f\u00f6rvaltare. De<span class=\"__10 _471\"/>ssa kurser fasts<span class=\"__10 _471\"/>t\u00e4lls utifr\u00e5n v\u00e4r<span class=\"__10 _d_9\"/>deutvecklingen i de underliggande tillg\u00e5ng<span class=\"__10 _469\"> </span>-<span class=\"__10 _469\"> </span>arna. Den allra vanligaste v<span class=\"__10 _d_9\"/>\u00e4rderingsmetoden f\u00f6r private equity-fonder hos le<span class=\"__10 _471\"/>verant<span class=\"__10 _471\"/>\u00f6rer/f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>valtare \u00f6v<span class=\"__10 _471\"/>erensst\u00e4mmer med anvisningarna i In<span class=\"__10 _d_9\"/>ternational Private Equity and V<span class=\"__10 _d_9\"/>enture Capital V<span class=\"__10 _d_9\"/>aluation (IPEV), som utf\u00e4rdats a<span class=\"__10 _471\"/>v Invest E<span class=\"__10 _d_9\"/>urope (tidigare kallad EVCA). Ungef<span class=\"__10 _471\"/>\u00e4r 40 procent a<span class=\"__10 _d_9\"/>v innehavet i private equity-f<span class=\"__10 _471\"/>onder justeras/v<span class=\"__10 _471\"/>\u00e4rderas int<span class=\"__10 _471\"/>ernt utifr\u00e5n IPEV<span class=\"__10 _d_9\"/>-<span class=\"__10 _469\"> </span>anvisningarna. De redovisade v\u00e4r<span class=\"__10 _471\"/>dena f\u00f6r dessa ligger i in<span class=\"__10 _471\"/>tervallet 1 till 100 procen<span class=\"__10 _471\"/>t j\u00e4mf\u00f6rt med de v\u00e4r<span class=\"__10 _471\"/>den som erh\u00e5llits fr\u00e5n lever<span class=\"__10 _d_9\"/>ant\u00f6rer/f\u00f6rvaltar<span class=\"__10 _d_9\"/>e.<span class=\"__10 _469\"> </span>4)   <span class=\"__10 _2b_4\"/>Var<span class=\"__10 _471\"/>av 156 mn euro r<span class=\"__10 _471\"/>elateras till tillg\u00e5ngar i placeringsportf<span class=\"__10 _471\"/>\u00f6ljer och fondf<span class=\"__10 _471\"/>\u00f6rs\u00e4kringsavtal.<span class=\"__10 _469\"> </span>T<span class=\"__10 _479\"/>abellerna ovan visar<span class=\"__10 _d_9\"/>, f\u00f6r v<span class=\"__10 _471\"/>arje tillg\u00e5ngs- och skuldklass som h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>ts till niv\u00e5 3, det verkliga v\u00e4r<span class=\"__10 _d_9\"/>det<span class=\"__10 _c_9\"/>, v\u00e4rderingsmetoderna som anv\u00e4n<span class=\"__10 _d_9\"/>ts f\u00f6r ber\u00e4kning a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde, v\u00e4sen<span class=\"__10 _d_9\"/>tliga ej observerbara data s<span class=\"__10 _471\"/>om anv\u00e4n<span class=\"__10 _d_9\"/>ts i v\u00e4rderingsmodellerna samt det verkliga v\u00e4r<span class=\"__10 _471\"/>dets k\u00e4nslighet f\u00f6r f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i viktiga antaganden.<span class=\"__10 _469\"> </span>Kolumnen \u201din<span class=\"__10 _d_9\"/>ter<span class=\"__10 _c_9\"/>vall f<span class=\"__10 _d_9\"/>\u00f6r verklig v\u00e4rde\u201d i tabellen ov<span class=\"__10 _471\"/>an visar k\u00e4nsligheten i verkligt v<span class=\"__10 _471\"/>\u00e4rde f<span class=\"__10 _471\"/>\u00f6r niv\u00e5 3-instrumen<span class=\"__10 _d_9\"/>t vid f\u00f6r\u00e4nd-<span class=\"__10 _469\"> </span>ringar i viktiga an<span class=\"__10 _d_9\"/>taganden. N\u00e4r exponeringen f\u00f6r en ej obser-<span class=\"__10 _469\"> </span>verbar parameter kvitt<span class=\"__10 _471\"/>as mellan olika instrumen<span class=\"__10 _471\"/>t redovisas <span class=\"__10 _469\">endast nettoeff</span><span class=\"__10 _d_9\"/>ekten i tabellen. Redo<span class=\"__10 _471\"/>visat in<span class=\"__10 _471\"/>tervall \u00e4r sanno-<span class=\"__10 _469\"> </span>likt s<span class=\"__10 _471\"/>t\u00f6rre \u00e4n den f<span class=\"__10 _d_9\"/>aktiska os\u00e4kerheten i verkligt v<span class=\"__10 _471\"/>\u00e4rde f<span class=\"__10 _471\"/>\u00f6r dessa instrumen<span class=\"__10 _471\"/>t, eftersom det i praktiken \u00e4r osannolik<span class=\"__10 _d_9\"/>t att<span class=\"__10 _469\"> </span>alla ej observerbara parametr<span class=\"__10 _d_9\"/>ar samtidigt skulle vara i utkan-<span class=\"__10 _469\"> </span>ten a<span class=\"__10 _471\"/>v sina intervall f<span class=\"__10 _d_9\"/>\u00f6r rimligt m\u00f6jliga alternativ<span class=\"__10 _d_9\"/>. Redovis-<span class=\"__10 _469\"> </span>ningen \u00e4r varken f<span class=\"__10 _d_9\"/>\u00f6ruts\u00e4gande eller indikativ f\u00f6r fr<span class=\"__10 _d_9\"/>amtida f\u00f6r-<span class=\"__10 _469\"> </span>\u00e4ndringar i verkligt v\u00e4r<span class=\"__10 _471\"/>de.<span class=\"__10 _469\"> </span>Den redovisade k\u00e4nsligheten (in<span class=\"__10 _d_9\"/>tervallet) i verkligt v\u00e4rde f\u00f6r deriv<span class=\"__10 _471\"/>at ber\u00e4knas enligt samma met<span class=\"__10 _471\"/>oder som vid redovis-<span class=\"__10 _469\"> </span>ningen av ytt<span class=\"__10 _471\"/>erligare v\u00e4r<span class=\"__10 _471\"/>dejusteringar f<span class=\"__10 _d_9\"/>\u00f6r modellrisk och marknadsprisos\u00e4kerhet enligt de\ufb01nitionen i kommissionens delegerade f<span class=\"__10 _d_9\"/>\u00f6rordning (EU) 2016/101 av den 26 ok<span class=\"__10 _471\"/>tober 2015 om komplettering a<span class=\"__10 _d_9\"/>v Europaparlamen<span class=\"__10 _d_9\"/>tets och r\u00e5dets f\u00f6ror<span class=\"__10 _471\"/>d-<span class=\"__10 _469\"> </span>ning (EU) nr 575/2013 med avseende p\u00e5 tekniska tillsynss<span class=\"__10 _d_9\"/>tan-<span class=\"__10 _469\"> </span>darder f<span class=\"__10 _471\"/>\u00f6r f\u00f6rsik<span class=\"__10 _d_9\"/>tig v\u00e4rdering enligt artikel 105(14).<span class=\"__10 _469\"> </span>K3.<span class=\"__10 _471\"/>4  Verkligt v\u00e4rde, f<span class=\"__10 _471\"/>orts.<span class=\"__10 _469\"> </span>134<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>K3.<span class=\"__10 _471\"/>4  Verkligt v\u00e4rde, f<span class=\"__10 _471\"/>orts.<span class=\"__10 _469\"> </span>F\u00f6r a<span class=\"__10 _471\"/>tt ber\u00e4kna k\u00e4nsligheten (in<span class=\"__10 _d_9\"/>tervallet) i verkligt v\u00e4rde f\u00f6r ak<span class=\"__10 _d_9\"/>tier och andelar och r\u00e4nteb\u00e4rande v<span class=\"__10 _d_9\"/>\u00e4rdepapper \u00f6kades och minskades det verkliga v\u00e4r<span class=\"__10 _d_9\"/>det med 2\u201310 procentenhet<span class=\"__10 _471\"/>er<span class=\"__10 _d_9\"/>, beroende p\u00e5 os\u00e4kerheten i v<span class=\"__10 _d_9\"/>\u00e4rderingen och underliggande antaganden. St\u00f6rr<span class=\"__10 _d_9\"/>e intervall till\u00e4mpas p\u00e5 instrument med st\u00f6rre os\u00e4k<span class=\"__10 _d_9\"/>erhet i v\u00e4rderingen j\u00e4mf\u00f6rt med ak<span class=\"__10 _d_9\"/>tivt handlade instrument och underliggande os\u00e4k<span class=\"__10 _d_9\"/>erheter i individuella antaganden.<span class=\"__10 _469\"> </span>F\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndringar i uppskjutna dag 1-resulta<span class=\"__10 _471\"/>t<span class=\"__10 _469\"> </span>T<span class=\"__10 _479\"/>ransaktionspriset f<span class=\"__10 _d_9\"/>\u00f6r \ufb01nansiella instrument \u00f6ver<span class=\"__10 _471\"/>ensst\u00e4mmer i vissa fall in<span class=\"__10 _d_9\"/>te med verkligt v\u00e4rde vid f<span class=\"__10 _471\"/>\u00f6rsta redo<span class=\"__10 _471\"/>visningstill-<span class=\"__10 _469\"> </span>f\u00e4llet (<span class=\"__10 _471\"/>enligt anv\u00e4nd v<span class=\"__10 _d_9\"/>\u00e4rderingsmodell). Sk\u00e4let \u00e4r huvudsakli-<span class=\"__10 _469\"> </span>gen att transak<span class=\"__10 _d_9\"/>tionspriset inte har kunna<span class=\"__10 _471\"/>t fas<span class=\"__10 _471\"/>tst\u00e4llas p\u00e5 en aktiv marknad. Om v<span class=\"__10 _471\"/>\u00e4sentliga ej observerbar<span class=\"__10 _d_9\"/>a data anv\u00e4nds i v\u00e4rderingsmetoden (niv<span class=\"__10 _d_9\"/>\u00e5 3) redovisas det \ufb01nansiella instru-<span class=\"__10 _469\"> </span>mentet till tr<span class=\"__10 _d_9\"/>ansaktionspriset, och den eventuella skillnaden<span class=\"__10 _469\"> </span>mellan transak<span class=\"__10 _471\"/>tionspriset och det verkliga v\u00e4r<span class=\"__10 _d_9\"/>det vid f\u00f6rsta redovisnings<span class=\"__10 _471\"/>tillf\u00e4llet, enligt anv\u00e4nd v<span class=\"__10 _471\"/>\u00e4rderingsmodell (dag 1-re<span class=\"__10 _471\"/>sultat), skjuts upp<span class=\"__10 _471\"/>. <span class=\"__10 _d_9\"/>T<span class=\"__10 _d_9\"/>abellen nedan visar den totala skillna<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>den som kvarst\u00e5r a<span class=\"__10 _471\"/>tt periodisera i re<span class=\"__10 _471\"/>sultatr<span class=\"__10 _d_9\"/>\u00e4kningen vid perio<span class=\"__10 _c_9\"/>-<span class=\"__10 _469\"> </span>dens b\u00f6rjan och slut. T<span class=\"__10 _e_9\"/>abellen visar ocks\u00e5 en avst\u00e4mning a<span class=\"__10 _d_9\"/>v hur detta skillnadsbelopp har f\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndrats under \u00e5ret (f\u00f6r<span class=\"__10 _d_9\"/>\u00e4nd-<span class=\"__10 _469\"> </span>ring i uppskjutna dag 1-re<span class=\"__10 _471\"/>sultat).<span class=\"__10 _469\"> </span>Uppskjutna dag 1-r<span class=\"__10 _471\"/>esultat \u2013 deriv<span class=\"__10 _d_9\"/>at<span class=\"__10 _c_9\"/>, netto<span class=\"__10 _469\"> </span>Mn euro<span class=\"__10 _573\"> </span>2022<span class=\"__10 _538\"> </span>2021<span class=\"__10 _469\"> </span>Belopp vid \u00e5rets b\u00f6rjan<span class=\"__10 _ad_2\"> </span><span class=\"lse_8 ws14_9\">77<span class=\"__10 _b2_3\"> </span><span class=\"ls19_8 ws21_7\">73<span class=\"__10 _469\"> </span></span></span>Uppskjutna resultat f<span class=\"__10 _d_9\"/>r\u00e5n nya transaktioner<span class=\"__10 _574\"> </span>58<span class=\"__10 _b2_3\"> </span>58<span class=\"__10 _469\"> </span>Redovisat i r<span class=\"__10 _d_9\"/><span class=\"__10 _469\">esultatr\u00e4kningen under \u00e5ret1<span class=\"__10 _469\"> </span></span>-51<span class=\"__10 _bc_2\"> </span><span class=\"ls0_10 ws0_10\">-54<span class=\"__10 _469\"> </span></span>Belopp vid \u00e5rets slut<span class=\"__10 _f4_2\"> </span>84<span class=\"__10 _518\"> </span><span class=\"lse_8 ws14_9\">77<span class=\"__10 _469\"> </span></span>1) <span class=\"__10 _575\"> </span> V<span class=\"__10 _d_9\"/>arav -6 mn euro (-8 mn euro) relat<span class=\"__10 _471\"/>eras till \u00f6verf<span class=\"__10 _471\"/>\u00f6ring av deriva<span class=\"__10 _471\"/>tinstrument f<span class=\"__10 _471\"/>r\u00e5n niv\u00e5 3 till niv\u00e5 2.<span class=\"__10 _469\"> </span>Kassa och tillgodoha<span class=\"__10 _d_9\"/>vanden hos centr<span class=\"__10 _471\"/>albanker<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>\u00e4rdering till verkligt v\u00e4rde a<span class=\"__10 _d_9\"/>v kontant<span class=\"__10 _471\"/>a medel g\u00f6rs utifr\u00e5n noter<span class=\"__10 _471\"/>ade priser (ojust<span class=\"__10 _471\"/>erade) p\u00e5 ak<span class=\"__10 _d_9\"/>tiva marknader f\u00f6r iden-<span class=\"__10 _469\"> </span>tiska tillg\u00e5ngar och h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s d\u00e4rf\u00f6r till niv\u00e5 1. <span class=\"__10 _479\"/>Tillgodohavan-<span class=\"__10 _469\"> </span>den hos centr<span class=\"__10 _d_9\"/>albanker anses, till f\u00f6ljd a<span class=\"__10 _d_9\"/>v deras kortfristiga natur<span class=\"__10 _d_9\"/>, vara detsamma som k<span class=\"__10 _d_9\"/>ontanta medel och h\u00e4n<span class=\"__10 _471\"/>f\u00f6rs d\u00e4rf\u00f6r ocks\u00e5 till niv\u00e5 1.<span class=\"__10 _469\"> </span>Utl\u00e5ning<span class=\"__10 _469\"> </span>Det verkliga v\u00e4r<span class=\"__10 _471\"/>det p\u00e5 \u201dUtl\u00e5ning till centr<span class=\"__10 _d_9\"/>albanker<span class=\"__10 _1d_6\"/>\u201d<span class=\"__10 _479\"/>, \u201dUtl\u00e5ning till kreditinstitut\u201d och \u201dUtl\u00e5ning till allm\u00e4nheten\u201d har ber\u00e4k<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>nats genom att disk<span class=\"__10 _471\"/>onter<span class=\"__10 _d_9\"/>a de f\u00f6rv\u00e4ntade fr<span class=\"__10 _d_9\"/>amtida kassafl\u00f6-<span class=\"__10 _469\"> </span>dena med en antagen k<span class=\"__10 _471\"/>undr\u00e4n<span class=\"__10 _471\"/>ta som skulle ha an<span class=\"__10 _471\"/>v\u00e4n<span class=\"__10 _471\"/>ts p\u00e5 marknaden om l\u00e5nen hade emittera<span class=\"__10 _471\"/>ts vid v\u00e4rderings<span class=\"__10 _471\"/>tidpunk-<span class=\"__10 _469\"> </span>ten. Den antagna k<span class=\"__10 _d_9\"/>undr\u00e4ntan ber\u00e4knas som r<span class=\"__10 _d_9\"/>eferensr\u00e4n<span class=\"__10 _471\"/>tan plus den genomsnittliga marginalen p\u00e5 nyutl\u00e5ning i P<span class=\"__10 _d_9\"/>ersonal Banking, Business Banking respek<span class=\"__10 _d_9\"/>tive Large Corporat<span class=\"__10 _471\"/>es &amp; Institutions.<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>\u00e4rderingen till verkligt v\u00e4rde har h\u00e4n<span class=\"__10 _471\"/>f\u00f6rts till niv\u00e5 3 i hie-<span class=\"__10 _469\"> </span>rarkin f<span class=\"__10 _471\"/>\u00f6r verkligt v\u00e4r<span class=\"__10 _d_9\"/>de.<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _d_9\"/>ande v\u00e4rdepapper<span class=\"__10 _469\"> </span>Det verkliga v\u00e4r<span class=\"__10 _471\"/><span class=\"__10 _469\">det uppg\u00e5r till 3 448 mn euro (3 560 mn </span>euro), v<span class=\"__10 _471\"/>ara<span class=\"__10 _d_9\"/><span class=\"__10 _469\">v 2 286 mn euro (2 154 mn euro) har h\u00e4nf</span><span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>ts till <span class=\"__10 _469\">niv\u00e5 2 och 1 162 mn euro (1 406 mn eur</span><span class=\"__10 _471\"/>o) till niv\u00e5 3 i hier<span class=\"__10 _d_9\"/>arkin f\u00f6r v<span class=\"__10 _471\"/>erkligt v\u00e4rde. V<span class=\"__10 _479\"/>\u00e4rderingsprinciperna \u00e4r desamma som f\u00f6r liknande instrument s<span class=\"__10 _471\"/>om redovisas till v<span class=\"__10 _471\"/>erkligt v\u00e4rde i balansr\u00e4kningen.<span class=\"__10 _469\"> </span>\u00d6vriga tillg\u00e5ngar samt f<span class=\"__10 _d_9\"/>\u00f6rutbetalda kostnader och upplupna in<span class=\"__10 _d_9\"/>t\u00e4kter<span class=\"__10 _469\"> </span>Balansposterna \u201d\u00d6vriga tillg\u00e5ngar\u201d och \u201dF\u00f6rutbetalda kostna<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>der och upplupna int\u00e4k<span class=\"__10 _d_9\"/>ter<span class=\"__10 _c_9\"/>\u201d utg\u00f6rs av kortfristiga f<span class=\"__10 _d_9\"/>ordringar<span class=\"__10 _d_9\"/>. Det verkliga v\u00e4r<span class=\"__10 _471\"/>det anses d\u00e4rf\u00f6r v<span class=\"__10 _471\"/>ara detsamma som det redovisade v<span class=\"__10 _471\"/>\u00e4rdet och har h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>ts till niv\u00e5 3 i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4r<span class=\"__10 _471\"/>de.<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar och skulder som int<span class=\"__10 _d_9\"/>e redovisas till verkligt v\u00e4rde i balansr<span class=\"__10 _d_9\"/>\u00e4kningen<span class=\"__10 _469\"> </span>31 dec 2022<span class=\"__10 _d4_3\"> </span>31 dec 2021<span class=\"__10 _469\"> </span>Mn euro<span class=\"__10 _469\"> </span>Redovisat v\u00e4rde<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt <span class=\"__10 _2b_4\"/> v\u00e4rde<span class=\"__10 _469\"> </span>Redovisat v\u00e4rde<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt <span class=\"__10 _2b_4\"/> v\u00e4rde<span class=\"__10 _469\"> </span>Niv\u00e5 i hierarkin f\u00f6r verkligt <span class=\"__10 _469\">v\u00e4rde2<span class=\"__10 _469\"> </span></span>Tillg\u00e5ngar som inte r<span class=\"__10 _471\"/>edovisas till verkligt v\u00e4r<span class=\"__10 _471\"/>de i balansr\u00e4kningen<span class=\"__10 _469\"> </span>Kassa och tillgodoha<span class=\"__10 _471\"/>vanden hos cen<span class=\"__10 _471\"/>tralbanker<span class=\"__10 _566\"> </span>61 815<span class=\"__10 _8c_2\"> </span>61 815<span class=\"__10 _3e_4\"> </span>47 495<span class=\"__10 _537\"> </span>47 495<span class=\"__10 _576\"> </span>1<span class=\"__10 _469\"> </span>Utl\u00e5ning<span class=\"__10 _577\"> </span>275 837<span class=\"__10 _548\"> </span>276 984<span class=\"__10 _a2_2\"> </span>271 605<span class=\"__10 _b2_3\"> </span>273 610<span class=\"__10 _d0_2\"> </span>3<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/>ande v\u00e4rdepapper<span class=\"__10 _578\"> </span>3 660<span class=\"__10 _555\"> </span>3 448<span class=\"__10 _555\"> </span>3 448<span class=\"__10 _521\"> </span>3 560<span class=\"__10 _b9_3\"> </span>2,3<span class=\"__10 _469\"> </span>\u00d6vriga tillg\u00e5ngar<span class=\"__10 _579\"> </span>2 261<span class=\"__10 _c0_3\"> </span>2 261<span class=\"__10 _10a_2\"> </span> 829<span class=\"__10 _b3_2\"> </span> 829<span class=\"__10 _10b_2\"> </span>3<span class=\"__10 _469\"> </span>F\u00f6rutbetalda k<span class=\"__10 _471\"/>ostnader och upplupna int<span class=\"__10 _471\"/>\u00e4kter<span class=\"__10 _10c_2\"> </span>475<span class=\"__10 _d7_2\"> </span>475<span class=\"__10 _507\"> </span> 609<span class=\"__10 _507\"> </span> 609<span class=\"__10 _10b_2\"> </span>3<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _577\"> </span>344 048<span class=\"__10 _be_3\"> </span>344 983<span class=\"__10 _547\"> </span>32<span class=\"__10 _c_9\"/>3 986<span class=\"__10 _b2_3\"> </span>326 103<span class=\"__10 _469\"> </span>Skulder som int<span class=\"__10 _471\"/>e redovisas till verkligt v<span class=\"__10 _471\"/>\u00e4rde i balansr\u00e4kningen<span class=\"__10 _469\"> </span>Inl\u00e5ning och skuldinstrumen<span class=\"__10 _471\"/>t<span class=\"__10 _10d_2\"> </span>364 951<span class=\"__10 _545\"> </span>364 961<span class=\"__10 _498\"> </span>352 117<span class=\"__10 _547\"> </span>35<span class=\"__10 _c_9\"/>2 809<span class=\"__10 _10b_2\"> </span>3<span class=\"__10 _469\"> </span><span class=\"__10 _469\">\u00d6vriga skulder1</span><span class=\"__10 _10e_2\"> </span>4 145<span class=\"__10 _3f_4\"> </span>4 145<span class=\"__10 _1c_6\"> </span>3 160<span class=\"__10 _3f_4\"> </span>3 160<span class=\"__10 _10b_2\"> </span>3<span class=\"__10 _469\"> </span>Upplupna kostnader och f<span class=\"__10 _d_9\"/>\u00f6rutbetalda int\u00e4kter<span class=\"__10 _f4_2\"> </span>7<span class=\"__10 _3a_5\"> </span>7<span class=\"__10 _9e_2\"> </span> 8<span class=\"__10 _10f_2\"> </span> 8<span class=\"__10 _10b_2\"> </span>3<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _580\"> </span>369 103<span class=\"__10 _518\"> </span>369 113<span class=\"__10 _545\"> </span>355 285<span class=\"__10 _b2_3\"> </span>355 977<span class=\"__10 _469\"> </span>1)  Leasingskulder presen<span class=\"__10 _471\"/>terade p\u00e5 raden \u201d\u00d6vriga skul<span class=\"__10 _471\"/>der<span class=\"__10 _c_9\"/>\u201d i not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d \u00e4r e<span class=\"__10 _d_9\"/>xkluderade i denna tabell.<span class=\"__10 _469\"> </span>2)  A<span class=\"__10 _d_9\"/>vser b\u00e5de 31 december 2022 och 31 december 2021.<span class=\"__10 _469\"> </span>135<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>K3.5 K<span class=\"__10 _d_9\"/>vittning<span class=\"__10 _469\"> </span>Redovisningsprinciper<span class=\"__10 _469\"> </span>Nordea kvittar \ufb01nansiella tillg\u00e5ngar och skulder i balansr<span class=\"__10 _d_9\"/>\u00e4k-<span class=\"__10 _469\"> </span>ningen om laglig r\u00e4tt till kvittning f<span class=\"__10 _d_9\"/>\u00f6religger och om avsik<span class=\"__10 _d_9\"/>ten \u00e4r att nettoregler<span class=\"__10 _d_9\"/>a posterna eller avyttr<span class=\"__10 _471\"/>a tillg\u00e5ngen samtidigt som skulden regler<span class=\"__10 _d_9\"/>as. Den lagstadgade r\u00e4tten till kvittning ska f\u00f6r<span class=\"__10 _471\"/>eligga b\u00e5de i den l\u00f6pande verksamheten och i h\u00e4ndel<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>se av f<span class=\"__10 _d_9\"/>allissemang, konkurs och insolvens hos Nor<span class=\"__10 _d_9\"/>dea eller dess motparter<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span>Finansiella instrument som kvitta<span class=\"__10 _d_9\"/>ts i balansr\u00e4kningen eller omfa<span class=\"__10 _d_9\"/>ttas av nettningsavt<span class=\"__10 _471\"/>al<span class=\"__10 _469\"> </span>Belopp som inte kvitta<span class=\"__10 _471\"/>ts men som omfa<span class=\"__10 _471\"/>ttas av ramavt<span class=\"__10 _471\"/>al f\u00f6r nettning eller liknande a<span class=\"__10 _d_9\"/>vtal<span class=\"__10 _469\"> </span>31 dec 2022, mn euro<span class=\"__10 _469\"> </span>Redovisade \ufb01nansiella <span class=\"__10 _469\">tillg\u00e5ngar1, </span>brutto<span class=\"__10 _469\"> </span>Redovisade \ufb01nansiella skulder<span class=\"__10 _d_9\"/>, brutto, som kvittats i balansr\u00e4kningen<span class=\"__10 _469\"> </span>Netto-<span class=\"__10 _469\"> </span>redovisat v<span class=\"__10 _471\"/>\u00e4rde i balans-<span class=\"__10 _469\"> </span><span class=\"__10 _469\">r\u00e4kningen2<span class=\"__10 _469\"> </span></span>Finansiella instrument<span class=\"__10 _469\"> </span>Erh\u00e5llna \ufb01nansiella s\u00e4kerheter Erh\u00e5llna kontant-<span class=\"__10 _469\"> </span>s\u00e4kerheter<span class=\"__10 _531\"> </span>Nettobelopp<span class=\"__10 _469\"> </span>Tillg\u00e5ngar<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/><span class=\"__10 _469\">t3</span><span class=\"__10 _fc_3\"> </span>211 529<span class=\"__10 _521\"> </span>-1<span class=\"__10 _471\"/>7<span class=\"__10 _d_9\"/>4 966<span class=\"__10 _512\"> </span>36 563<span class=\"__10 _4e_2\"> </span>-27 124<span class=\"__10 _ce_3\"> </span>\u2013<span class=\"__10 _cf_2\"> </span>-4 506<span class=\"__10 _7b_2\"> </span>4 933<span class=\"__10 _469\"> </span>Omv\u00e4nda \u00e5t<span class=\"__10 _471\"/>erk\u00f6psa<span class=\"__10 _471\"/>vtal<span class=\"__10 _c8_3\"> </span>25 271<span class=\"__10 _513\"> </span>-7 828<span class=\"__10 _cf_2\"> </span>17 443<span class=\"__10 _551\"> </span>\u2013<span class=\"__10 _cb_2\"> </span><span class=\"ls4_9 ws7_9\">-17 44<span class=\"__10 _c_9\"/>3<span class=\"__10 _581\"> </span></span>\u2013<span class=\"__10 _581\"> </span>0<span class=\"__10 _469\"> </span>A<span class=\"__10 _d_9\"/>vtal om inl\u00e5ning av v\u00e4rdepapper<span class=\"__10 _d1_2\"> </span>3 661<span class=\"__10 _576\"> </span>\u2013<span class=\"__10 _5e_2\"> </span>3 661<span class=\"__10 _581\"> </span>\u2013<span class=\"__10 _3f_4\"> </span>-3 661<span class=\"__10 _ce_3\"> </span>\u2013<span class=\"__10 _581\"> </span>0<span class=\"__10 _469\"> </span>Marginals\u00e4kerheter<span class=\"__10 _582\"> </span><span class=\"ls3_9 ws6_9\">4<span class=\"__10 _c_9\"/>24<span class=\"__10 _8a_2\"> </span>-<span class=\"__10 _c_9\"/>4<span class=\"__10 _c_9\"/>24<span class=\"__10 _551\"> </span></span>0<span class=\"__10 _581\"> </span>\u2013<span class=\"__10 _581\"> </span>\u2013<span class=\"__10 _581\"> </span>\u2013<span class=\"__10 _551\"> </span>0<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _583\"> </span>240 885<span class=\"__10 _555\"> </span>-183 218<span class=\"__10 _512\"> </span>57 667<span class=\"__10 _565\"> </span>-27 124<span class=\"__10 _537\"> </span>-21 104<span class=\"__10 _512\"> </span>-<span class=\"__10 _c_9\"/>4 506<span class=\"__10 _552\"> </span>4 933<span class=\"__10 _469\"> </span>Belopp som inte kvitta<span class=\"__10 _471\"/>ts men som omfa<span class=\"__10 _471\"/>ttas av ramavt<span class=\"__10 _471\"/>al f\u00f6r nettning eller liknande a<span class=\"__10 _d_9\"/>vtal<span class=\"__10 _469\"> </span>31 dec 2022, mn euro<span class=\"__10 _469\"> </span>Redovisade \ufb01nansiella <span class=\"__10 _469\">skulder1, </span>brutto<span class=\"__10 _469\"> </span>Redovisade \ufb01nansiella tillg\u00e5ngar<span class=\"__10 _d_9\"/>, brutto, som kvittats i balansr\u00e4kningen<span class=\"__10 _469\"> </span>Netto-<span class=\"__10 _469\"> </span>redovisat v<span class=\"__10 _471\"/>\u00e4rde i balans-<span class=\"__10 _469\"> </span><span class=\"__10 _469\">r\u00e4kningen2<span class=\"__10 _469\"> </span></span>Finansiella instrument<span class=\"__10 _469\"> </span>L\u00e4mnade \ufb01nansiella s\u00e4kerheter L\u00e4mnade kontant-<span class=\"__10 _469\"> </span>s\u00e4kerheter<span class=\"__10 _531\"> </span>Nettobelopp<span class=\"__10 _469\"> </span>Skulder<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/><span class=\"__10 _469\">t3</span><span class=\"__10 _584\"> </span>214 190<span class=\"__10 _521\"> </span>-17<span class=\"__10 _479\"/>4 083<span class=\"__10 _cf_2\"> </span>40 107<span class=\"__10 _8c_2\"> </span>-27 12<span class=\"__10 _471\"/>4<span class=\"__10 _ce_3\"> </span>\u2013<span class=\"__10 _505\"> </span>-5 969<span class=\"__10 _507\"> </span>7 014<span class=\"__10 _469\"> </span>\u00c5terk\u00f6psa<span class=\"__10 _471\"/>vtal<span class=\"__10 _585\"> </span>21 377<span class=\"__10 _513\"> </span>-<span class=\"__10 _d_9\"/>7 828<span class=\"__10 _505\"> </span>13 549<span class=\"__10 _581\"> </span>\u2013<span class=\"__10 _537\"> </span>-13 549<span class=\"__10 _581\"> </span>\u2013<span class=\"__10 _551\"> </span>0<span class=\"__10 _469\"> </span>A<span class=\"__10 _d_9\"/>vtal om utl\u00e5ning av v\u00e4rdepapper<span class=\"__10 _d1_2\"> </span>3 811<span class=\"__10 _586\"> </span>\u2013<span class=\"__10 _b3_2\"> </span>3 811<span class=\"__10 _581\"> </span>\u2013<span class=\"__10 _c0_3\"> </span>-3 811<span class=\"__10 _ce_3\"> </span>\u2013<span class=\"__10 _551\"> </span>0<span class=\"__10 _469\"> </span>Marginals\u00e4kerheter<span class=\"__10 _587\"> </span>1 307<span class=\"__10 _b8_2\"> </span>-<span class=\"__10 _471\"/>1 307<span class=\"__10 _581\"> </span>0<span class=\"__10 _581\"> </span>\u2013<span class=\"__10 _581\"> </span>\u2013<span class=\"__10 _581\"> </span>\u2013<span class=\"__10 _551\"> </span>0<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _583\"> </span>240 685<span class=\"__10 _521\"> </span>-<span class=\"__10 _471\"/>183 218<span class=\"__10 _512\"> </span>57 467<span class=\"__10 _cb_2\"> </span>-27 124<span class=\"__10 _3e_4\"> </span>-17 360<span class=\"__10 _cf_2\"> </span>-5 969<span class=\"__10 _5e_2\"> </span>7 014<span class=\"__10 _469\"> </span>1)   <span class=\"__10 _2b_4\"/>Alla belopp har v\u00e4rdera<span class=\"__10 _471\"/>ts till verkligt v\u00e4rde utom om<span class=\"__10 _471\"/>v\u00e4nda \u00e5terk\u00f6psa<span class=\"__10 _d_9\"/>vtal uppg\u00e5ende till 14 mn euro och \u00e5terk\u00f6psa<span class=\"__10 _471\"/>vtal uppg\u00e5ende till 257 mn euro som v\u00e4rder<span class=\"__10 _d_9\"/>ats till upplupet <span class=\"__10 _469\">anskaffningsv\u00e4rde.<span class=\"__10 _469\"> </span></span>2)   <span class=\"__10 _2b_4\"/>Omv\u00e4nda \u00e5terk\u00f6psa<span class=\"__10 _d_9\"/>vtal och avtal om inl\u00e5ning av v\u00e4rdepapper har i balansr<span class=\"__10 _d_9\"/>\u00e4kningen klassi\ufb01cerats som \u201dUtl\u00e5ning till centralbanker\u201d<span class=\"__10 _d_9\"/>, \u201dUtl\u00e5ning till kreditinstitut\u201d eller \u201dUtl\u00e5ning till allm\u00e4nheten\u201d<span class=\"__10 _d_9\"/>. \u00c5terk\u00f6psa<span class=\"__10 _471\"/>vtal och avtal om utl\u00e5ning a<span class=\"__10 _d_9\"/>v v\u00e4rdepapper har i balansr\u00e4kningen klassi\ufb01cerats som \u201dSkulder till kr<span class=\"__10 _d_9\"/>editinstitut<span class=\"__10 _c_9\"/>\u201d eller \u201dIn- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten\u201d<span class=\"__10 _d_9\"/>. 3)  Inklusive derivatinstrumen<span class=\"__10 _d_9\"/>t i placeringsportf\u00f6ljer samt fondf<span class=\"__10 _471\"/>\u00f6rs\u00e4kringsavtal.<span class=\"__10 _469\"> </span>Inl\u00e5ning och skuldinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _469\"> </span>Det verkliga v\u00e4r<span class=\"__10 _471\"/>det p\u00e5 balansr\u00e4kningspost<span class=\"__10 _471\"/>erna \u201dSkulder till kreditinstitut\u201d<span class=\"__10 _d_9\"/>, \u201dIn- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten\u201d<span class=\"__10 _479\"/>, \u201dEmit-<span class=\"__10 _469\"> </span>terade v<span class=\"__10 _471\"/>\u00e4rdepapper<span class=\"__10 _c_9\"/>\u201d och \u201dEfterst\u00e4llda sk<span class=\"__10 _471\"/>ulder<span class=\"__10 _c_9\"/>\u201d har ber\u00e4knats som det redovisade v<span class=\"__10 _d_9\"/>\u00e4rdet justerat f<span class=\"__10 _d_9\"/>\u00f6r f\u00f6r\u00e4ndringar i verkligt v\u00e4rde g\u00e4llande r<span class=\"__10 _471\"/>\u00e4nterisk och egen kr<span class=\"__10 _d_9\"/>editrisk<span class=\"__10 _c_9\"/>. Det verkliga v\u00e4r-<span class=\"__10 _469\"> </span>det har h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>ts till niv\u00e5 3 i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4rde. F<span class=\"__10 _471\"/>\u00f6r-<span class=\"__10 _469\"> </span>\u00e4ndringarna i verkligt v\u00e4r<span class=\"__10 _471\"/>de h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6rliga till r\u00e4nterisk baseras p\u00e5 f\u00f6r<span class=\"__10 _471\"/>\u00e4ndringar i ber\u00f6rda r<span class=\"__10 _471\"/>\u00e4ntor j\u00e4m<span class=\"__10 _d_9\"/>f\u00f6rt med motsvarande nominell r\u00e4n<span class=\"__10 _471\"/>ta i portf\u00f6ljerna. F<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringarna i verkligt v\u00e4rde h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6rliga till kreditrisk ber\u00e4knas som skillnaden mellan kre-<span class=\"__10 _469\"> </span>ditspreaden i de nominella r\u00e4n<span class=\"__10 _d_9\"/>torna och aktuell kreditspread p\u00e5 marknaden. Ber\u00e4kningen utf<span class=\"__10 _471\"/>\u00f6rs p\u00e5 aggregerad niv\u00e5 f<span class=\"__10 _d_9\"/>\u00f6r all l\u00e5ngfristig uppl\u00e5ning som r<span class=\"__10 _471\"/>edovisas under balanspost<span class=\"__10 _471\"/>erna \u201dEmitterade v<span class=\"__10 _471\"/>\u00e4rdepapper<span class=\"__10 _c_9\"/>\u201d och \u201dEfterst\u00e4llda sk<span class=\"__10 _471\"/>ulder<span class=\"__10 _c_9\"/>\u201d<span class=\"__10 _d_9\"/>. Efter-<span class=\"__10 _469\"> </span>som den avt<span class=\"__10 _471\"/>alade l\u00f6ptiden \u00e4r kort f<span class=\"__10 _471\"/>\u00f6r \u201dSkulder till kredit-<span class=\"__10 _469\"> </span>institut\u201d och \u201dIn- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten\u201d an<span class=\"__10 _471\"/>tas f\u00f6r-<span class=\"__10 _469\"> </span>\u00e4ndringarna i Nordeas egen kreditrisk h\u00e4n<span class=\"__10 _471\"/>f\u00f6rliga till dessa poster v<span class=\"__10 _471\"/>ara obetydliga. Detsamma g\u00e4ller k<span class=\"__10 _471\"/>ortfristig uppl\u00e5ning som redovisas under balanspos<span class=\"__10 _471\"/>terna \u201dEmitterade v<span class=\"__10 _d_9\"/>\u00e4rdepap-<span class=\"__10 _469\"> </span>per<span class=\"__10 _c_9\"/>\u201d och \u201dEfterst\u00e4llda skulder\u201d<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span>\u00d6vriga skulder sam<span class=\"__10 _471\"/>t upplupna kostnader och f\u00f6rutbetalda in<span class=\"__10 _d_9\"/>t\u00e4kter<span class=\"__10 _469\"> </span>Balansposterna \u201d\u00d6vriga skul<span class=\"__10 _471\"/>der<span class=\"__10 _c_9\"/>\u201d och \u201dUpplupna kostnader och f\u00f6rutbetalda in<span class=\"__10 _d_9\"/>t\u00e4kter<span class=\"__10 _c_9\"/>\u201d utg\u00f6rs av k<span class=\"__10 _471\"/>ortfristiga skulder<span class=\"__10 _479\"/>, huvudsakligen relater<span class=\"__10 _d_9\"/>ade till handlade v\u00e4rdepapper som \u00e4nnu inte r<span class=\"__10 _471\"/>eglerats. Det v<span class=\"__10 _d_9\"/>erkliga v\u00e4rdet anses d\u00e4rf\u00f6r var<span class=\"__10 _d_9\"/>a det-<span class=\"__10 _469\"> </span>samma som det redovisade v<span class=\"__10 _d_9\"/>\u00e4rdet och har h\u00e4nf\u00f6rts till niv\u00e5 3 i hierarkin f<span class=\"__10 _471\"/>\u00f6r verkligt v\u00e4r<span class=\"__10 _d_9\"/>de.<span class=\"__10 _469\"> </span>K3.<span class=\"__10 _471\"/>4  Verkligt v\u00e4rde, f<span class=\"__10 _471\"/>orts.<span class=\"__10 _469\"> </span><div class=\"t_10 m0_10 h1_10 ff1_10 fs0_10 fc0_10 sc0_10 ls0_10 ws0_10\" style=\"left:0.01052475px; bottom:2.1012287px;\">136<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h2_10 ff2_10 fs1_9 fc0_10 sc0_10 ls0_10 ws1_10\" style=\"left:44.122643px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h3_9 ff2_10 fs1_9 fc0_10 sc0_10 ls1_10 ws2_9\" style=\"left:48.323853px; bottom:1029.1447px;\">Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:415.8051px; bottom:948.605px;\">Belopp som inte kvitta<span class=\"__10 _471\"/>ts men som omfa<span class=\"__10 _471\"/>ttas av </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:424.18805px; bottom:938.855px;\">ramavt<span class=\"__10 _471\"/>al f\u00f6r nettning eller liknande a<span class=\"__10 _d_9\"/>vtal<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:883.68555px;\">31 dec 2021, mn euro<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:203.77382px; bottom:912.93555px;\">Redovisade </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:208.56302px; bottom:903.18555px;\">\ufb01nansiella </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:206.16245px; bottom:893.43555px;\"><span class=\"__10 _469\">tillg\u00e5ngar1, </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:223.17242px; bottom:883.68555px;\">brutto<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:280.94168px; bottom:922.68555px;\">Redovisade </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:285.84543px; bottom:912.93555px;\">\ufb01nansiella </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:267.1864px; bottom:903.18555px;\">skulder<span class=\"__10 _d_9\"/>, brutto, </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:274.68362px; bottom:893.43555px;\">som kvittats i </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:261.81363px; bottom:883.68555px;\">balansr\u00e4kningen<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:368.28363px; bottom:912.93555px;\">Netto-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:334.69684px; bottom:903.18555px;\">redovisat v<span class=\"__10 _471\"/>\u00e4rde </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:360.7488px; bottom:893.43555px;\">i balans-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:351.8958px; bottom:883.68555px;\"><span class=\"__10 _469\">r\u00e4kningen2<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:420.05807px; bottom:893.43555px;\">Finansiella </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:420.05807px; bottom:883.68555px;\">instrument<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:497.70905px; bottom:903.18555px;\">Erh\u00e5llna </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:490.31317px; bottom:893.43555px;\">\ufb01nansiella </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:488.92352px; bottom:883.68555px;\">s\u00e4kerheter </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:566.0136px; bottom:903.18555px;\">Erh\u00e5llna </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:566.0136px; bottom:893.43555px;\">kontant-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:557.3542px; bottom:883.68555px;\">s\u00e4kerheter<span class=\"__10 _531\"> </span>Nettobelopp<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:862.85864px;\">Tillg\u00e5ngar<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:845.71423px;\">Derivatinstrumen<span class=\"__10 _d_9\"/><span class=\"__10 _469\">t3</span><span class=\"__10 _588\"> </span>93 939<span class=\"__10 _507\"> </span>-63 7<span class=\"__10 _d_9\"/>43<span class=\"__10 _cf_2\"> </span>30 196<span class=\"__10 _cb_2\"> </span>-21 687<span class=\"__10 _551\"> </span>_<span class=\"__10 _3f_4\"> </span>-6 591<span class=\"__10 _507\"> </span>1 918<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:828.5699px;\">Omv\u00e4nda \u00e5t<span class=\"__10 _471\"/>erk\u00f6psa<span class=\"__10 _471\"/>vtal<span class=\"__10 _589\"> </span>21 739<span class=\"__10 _b8_2\"> </span>-9 172<span class=\"__10 _555\"> </span>12 567<span class=\"__10 _b9_3\"> </span>_<span class=\"__10 _565\"> </span>-12 567<span class=\"__10 _551\"> </span>_<span class=\"__10 _504\"> </span> 0<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:811.4255px;\">A<span class=\"__10 _d_9\"/>vtal om inl\u00e5ning av v\u00e4rdepapper<span class=\"__10 _498\"> </span>4 798<span class=\"__10 _586\"> </span>_<span class=\"__10 _485\"> </span>4 798<span class=\"__10 _551\"> </span>_<span class=\"__10 _505\"> </span>-<span class=\"__10 _c_9\"/>4 798<span class=\"__10 _551\"> </span>_<span class=\"__10 _551\"> </span>0<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:794.28107px;\">Marginals\u00e4kerheter<span class=\"__10 _557\"> </span> 213<span class=\"__10 _504\"> </span>-<span class=\"__10 _471\"/>213<span class=\"__10 _581\"> </span>0<span class=\"__10 _581\"> </span>\u2013<span class=\"__10 _581\"> </span>\u2013<span class=\"__10 _581\"> </span>\u2013<span class=\"__10 _504\"> </span> 0<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:777.13666px;\">Summa<span class=\"__10 _11a_3\"> </span>120 689<span class=\"__10 _b3_2\"> </span>-73 128<span class=\"__10 _512\"> </span>47 561<span class=\"__10 _cb_2\"> </span>-21 687<span class=\"__10 _537\"> </span>-17 365<span class=\"__10 _521\"> </span>-6 591<span class=\"__10 _5e_2\"> </span>1 918<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:415.8051px; bottom:743.832px;\">Belopp som inte kvitta<span class=\"__10 _471\"/>ts men som omfa<span class=\"__10 _471\"/>ttas av </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:424.18805px; bottom:734.082px;\">ramavt<span class=\"__10 _471\"/>al f\u00f6r nettning eller liknande a<span class=\"__10 _d_9\"/>vtal<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:678.91254px;\">31 dec 2021, mn euro<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:203.77382px; bottom:708.16254px;\">Redovisade </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:208.56302px; bottom:698.41254px;\">\ufb01nansiella </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:214.52405px; bottom:688.66254px;\"><span class=\"__10 _469\">skulder1, </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:223.17242px; bottom:678.91254px;\">brutto<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:280.94168px; bottom:717.91254px;\">Redovisade </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:285.84543px; bottom:708.16254px;\">\ufb01nansiella </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:259.1225px; bottom:698.41254px;\">tillg\u00e5ngar<span class=\"__10 _d_9\"/>, brutto, </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:274.68362px; bottom:688.66254px;\">som kvittats i </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:261.81363px; bottom:678.91254px;\">balansr\u00e4kningen<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:368.28363px; bottom:708.16254px;\">Netto-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:334.69684px; bottom:698.41254px;\">redovisat v<span class=\"__10 _471\"/>\u00e4rde </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:360.7488px; bottom:688.66254px;\">i balans-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:351.8958px; bottom:678.91254px;\"><span class=\"__10 _469\">r\u00e4kningen2<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:420.05807px; bottom:688.66254px;\">Finansiella </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:420.05807px; bottom:678.91254px;\">instrument<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:494.06354px; bottom:698.41254px;\">L\u00e4mnade </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:490.31317px; bottom:688.66254px;\">\ufb01nansiella </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:488.92352px; bottom:678.91254px;\">s\u00e4kerheter </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:562.20435px; bottom:698.41254px;\">L\u00e4mnade </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:566.0136px; bottom:688.66254px;\">kontant-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:557.3542px; bottom:678.91254px;\">s\u00e4kerheter<span class=\"__10 _531\"> </span>Nettobelopp<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:658.08563px;\">Skulder<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:640.9412px;\">Derivatinstrumen<span class=\"__10 _d_9\"/><span class=\"__10 _469\">t3</span><span class=\"__10 _11b_3\"> </span>93 016<span class=\"__10 _507\"> </span>-61 543<span class=\"__10 _555\"> </span>31 473<span class=\"__10 _565\"> </span>-21 687<span class=\"__10 _551\"> </span>_<span class=\"__10 _521\"> </span>-3 507<span class=\"__10 _7b_2\"> </span>6 279<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:623.7969px;\">\u00c5terk\u00f6psa<span class=\"__10 _471\"/>vtal<span class=\"__10 _11c_3\"> </span>12 890<span class=\"__10 _b8_2\"> </span>-9 1<span class=\"__10 _471\"/>72<span class=\"__10 _507\"> </span>3 718<span class=\"__10 _b9_3\"> </span>_<span class=\"__10 _3f_4\"> </span>-3 718<span class=\"__10 _551\"> </span>_<span class=\"__10 _3a_5\"> </span> 0<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:606.65247px;\">A<span class=\"__10 _d_9\"/>vtal om utl\u00e5ning av v\u00e4rdepapper<span class=\"__10 _498\"> </span>2 235<span class=\"__10 _b6_3\"> </span>_<span class=\"__10 _5e_2\"> </span>2 235<span class=\"__10 _551\"> </span>_<span class=\"__10 _3f_4\"> </span>-2 235<span class=\"__10 _551\"> </span>_<span class=\"__10 _504\"> </span> 0<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:589.50806px;\">Marginals\u00e4kerheter<span class=\"__10 _587\"> </span>2 413<span class=\"__10 _b8_2\"> </span>-<span class=\"__10 _d_9\"/>2 413<span class=\"__10 _551\"> </span>0<span class=\"__10 _b9_3\"> </span>_<span class=\"__10 _581\"> </span>_<span class=\"__10 _b9_3\"> </span>_<span class=\"__10 _504\"> </span> 0<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:572.36365px;\">Summa<span class=\"__10 _11d_3\"> </span>110 554<span class=\"__10 _b3_2\"> </span>-73 128<span class=\"__10 _536\"> </span>37 4<span class=\"__10 _c_9\"/>26<span class=\"__10 _537\"> </span>-21 687<span class=\"__10 _555\"> </span>-5 953<span class=\"__10 _555\"> </span>-3 507<span class=\"__10 _485\"> </span>6 279<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:552.7119px;\">1)   <span class=\"__10 _2b_4\"/>Alla belopp har v\u00e4rdera<span class=\"__10 _471\"/>ts till verkligt v\u00e4rde.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:541.10785px;\">2)   <span class=\"__10 _2b_4\"/>Omv\u00e4nda \u00e5terk\u00f6psa<span class=\"__10 _d_9\"/>vtal och avtal om inl\u00e5ning av v\u00e4rdepapper har i balansr<span class=\"__10 _d_9\"/>\u00e4kningen klassi\ufb01cerats som \u201dUtl\u00e5ning till centralbanker\u201d<span class=\"__10 _d_9\"/>, \u201dUtl\u00e5ning till kreditinstitut\u201d eller \u201dUtl\u00e5ning till </div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:59.845367px; bottom:532.271px;\">allm\u00e4nheten\u201d<span class=\"__10 _d_9\"/>. \u00c5terk\u00f6psa<span class=\"__10 _471\"/>vtal och avtal om utl\u00e5ning a<span class=\"__10 _d_9\"/>v v\u00e4rdepapper har i balansr\u00e4kningen klassi\ufb01cerats som \u201dSkulder till kr<span class=\"__10 _d_9\"/>editinstitut<span class=\"__10 _c_9\"/>\u201d eller \u201dIn- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten\u201d<span class=\"__10 _d_9\"/>. </div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:520.66693px;\">3)  Inklusive derivatinstrumen<span class=\"__10 _d_9\"/>t i placeringsportf\u00f6ljer samt fondf<span class=\"__10 _471\"/>\u00f6rs\u00e4kringsavtal.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hd_9 ff4_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:986.27924px;\">K3.5  Kvittning, forts.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:476.2813px;\">B\u00f6rsnoterade deriv<span class=\"__10 _471\"/>at redo<span class=\"__10 _471\"/>visas och avr<span class=\"__10 _d_9\"/>\u00e4knas normalt p\u00e5 dag-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:462.7561px;\">lig basis n\u00e4r likvid betalas eller erh\u00e5lls och instrumen<span class=\"__10 _471\"/>tet juste-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:449.2309px;\">ras till r\u00e5dande marknadsvillk<span class=\"__10 _471\"/>or<span class=\"__10 _d_9\"/>. Derivattillg\u00e5ngar<span class=\"__10 _479\"/>, derivat-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:435.7057px;\">skulder<span class=\"__10 _d_9\"/>, kont<span class=\"__10 _471\"/>ants\u00e4kerhetsf<span class=\"__10 _d_9\"/>ordringar och kontan<span class=\"__10 _d_9\"/>ts\u00e4kerhets-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:422.1805px;\">skulder gen<span class=\"__10 _471\"/>temot cen<span class=\"__10 _d_9\"/>trala motparter f\u00f6r clearing kvittas i </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:408.6553px;\">balansr\u00e4kningen om det r\u00f6r sig om samma tr<span class=\"__10 _471\"/>ansaktionsv<span class=\"__10 _471\"/>a-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:395.1301px;\">luta och samma cen<span class=\"__10 _d_9\"/>trala motpart f\u00f6r clearing. Derivattill<span class=\"__10 _d_9\"/>-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:381.6049px;\">g\u00e5ngar<span class=\"__10 _d_9\"/>, derivatskulder<span class=\"__10 _479\"/>, kontants\u00e4k<span class=\"__10 _d_9\"/>erhetsfordringar och kon-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:368.0797px;\">tants\u00e4k<span class=\"__10 _471\"/>erhetsskulder a<span class=\"__10 _d_9\"/>vseende bilaterala O<span class=\"__10 _d_9\"/>TC<span class=\"__10 _479\"/>-<span class=\"__10 _c_9\"/>derivat kvittas </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:354.5545px;\">d\u00e4remot in<span class=\"__10 _d_9\"/>te i balansr\u00e4kningen.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:57.017998px; bottom:341.0293px;\">Ut- och inl\u00e5ning i repor och omv<span class=\"__10 _471\"/>\u00e4nda repor som g\u00f6rs med </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:327.5041px;\">centr<span class=\"__10 _d_9\"/>ala motparter kvittas i balansr\u00e4kningen om tillg\u00e5ngarna </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:313.9789px;\">och skulderna a<span class=\"__10 _d_9\"/>vser samma centrala motpart, regleras i </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:300.4537px;\">samma valuta och har samma l\u00f6p<span class=\"__10 _471\"/>tid. Ut- och inl\u00e5ning i repor<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:476.33655px;\">och omv\u00e4nda r<span class=\"__10 _471\"/>epor som g\u00f6rs i enlighet med ett s\u00e5 kallat Glo-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:462.81134px;\">bal Master R<span class=\"__10 _471\"/>epurchase <span class=\"__10 _471\"/>Agreemen<span class=\"__10 _d_9\"/>t kvittas i balansr\u00e4kningen </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:449.28616px;\">om tillg\u00e5ngarna och skulderna a<span class=\"__10 _d_9\"/>vser samma motpart<span class=\"__10 _c_9\"/>, regle-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:435.76096px;\">ras i samma val<span class=\"__10 _471\"/>uta, har samma l\u00f6ptid och regler<span class=\"__10 _d_9\"/>as via samma </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:422.23575px;\">institut. </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:377.61646px; bottom:408.71054px;\">Finansiella instrument brutt<span class=\"__10 _d_9\"/>oredovisas i balansr\u00e4kningen </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:395.18536px;\">men det inneb\u00e4r inte a<span class=\"__10 _d_9\"/>tt dessa instrument inte om<span class=\"__10 _d_9\"/>fattas a<span class=\"__10 _d_9\"/>v </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:381.66016px;\">rama<span class=\"__10 _d_9\"/>vtal f\u00f6r nettning eller liknande avtal. Normalt om<span class=\"__10 _d_9\"/>fattas </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:368.13495px;\">\ufb01nansiella instrument (<span class=\"__10 _d_9\"/>derivat, repor och v\u00e4rdepappersl\u00e5n) </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:354.60974px;\">av r<span class=\"__10 _d_9\"/>amavtal f\u00f6r nettning, och Nor<span class=\"__10 _471\"/>dea kan d\u00e4rmed dra nytt<span class=\"__10 _471\"/>a av </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:341.08453px;\">nettning i ber\u00e4kningen a<span class=\"__10 _d_9\"/>v motpartsrisk i h\u00e4ndelse av fallisse-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:327.55936px;\">mang hos motparter<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:377.61646px; bottom:314.03415px;\">En n\u00e4rmare beskrivning a<span class=\"__10 _d_9\"/>v motpartsrisk<span class=\"__10 _c_9\"/>, se avsnitt 3 \u201dMo<span class=\"__10 _d_9\"/>t-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:300.50894px;\">partskreditrisk\u201d i not K11 \u201dRisk- och likvidit<span class=\"__10 _d_9\"/>etshantering\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span></div>137<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>K3.6 S\u00e4kringsredovisning<span class=\"__10 _469\"> </span>Redovisningsprinciper<span class=\"__10 _469\"> </span> N\u00e4r ett s\u00e4kringsf\u00f6rh\u00e5llande uppfyll<span class=\"__10 _471\"/>er de angivna kriterierna<span class=\"__10 _469\"> </span> f\u00f6r s\u00e4kringsr<span class=\"__10 _471\"/>edovisning i IAS 39, anv<span class=\"__10 _471\"/>\u00e4nder Nordea en a<span class=\"__10 _d_9\"/>v f\u00f6l-<span class=\"__10 _469\"> </span>jande tre typer a<span class=\"__10 _471\"/>v s\u00e4kringsredovisning:<span class=\"__10 _469\"> </span> \u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">s\u00e4kring av v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span></span>\u2022 <span class=\"__10 _2d_4\"> </span>kassafl\u00f6dess\u00e4kring<span class=\"__10 _469\"> </span> \u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">s\u00e4kring av nett<span class=\"__10 _471\"/>oinves<span class=\"__10 _d_9\"/>teringar<span class=\"__10 _471\"/>.<span class=\"__10 _469\"> </span></span>Nordea har<span class=\"__10 _d_9\"/>, efter policybeslut i enlighet med IFRS 9, val<span class=\"__10 _d_9\"/>t att<span class=\"__10 _469\"> </span> forts\u00e4tta till\u00e4mpa s\u00e4kringsr<span class=\"__10 _471\"/>edovisning enligt EU:s \u201d<span class=\"__10 _479\"/>car<span class=\"__10 _c_9\"/>ve out\u201d-<span class=\"__10 _469\"> </span>version av IAS 39.<span class=\"__10 _469\"> </span> Enligt EU:s \u201d<span class=\"__10 _d_9\"/>carve out<span class=\"__10 _c_9\"/>\u201d-version av IAS 39 kan makr<span class=\"__10 _471\"/>os\u00e4kring<span class=\"__10 _469\"> </span> av v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde till ex<span class=\"__10 _471\"/>empel anv\u00e4ndas f<span class=\"__10 _d_9\"/>\u00f6r avistainl\u00e5ning<span class=\"__10 _469\"> </span> (j\u00e4mf<span class=\"__10 _471\"/>\u00f6r IAS 39 publicerad a<span class=\"__10 _d_9\"/><span class=\"__10 _469\">v IASB), och ineffektivit</span><span class=\"__10 _471\"/>et i sam-<span class=\"__10 _469\"> </span>band med s\u00e4kring av tillg\u00e5ngar med m\u00f6jlighet till f<span class=\"__10 _d_9\"/>\u00f6rtida<span class=\"__10 _469\"> </span> in <span class=\"__10 _558\"/>l\u00f6sen redovisas f\u00f6rs<span class=\"__10 _471\"/>t n\u00e4r den reviderade ber<span class=\"__10 _d_9\"/>\u00e4kningen av<span class=\"__10 _469\"> </span> kassafl\u00f6desbeloppet hamnar under den nedre skik<span class=\"__10 _d_9\"/>tgr\u00e4nsen.<span class=\"__10 _469\"> </span>F\u00f6r a<span class=\"__10 _471\"/>tt f\u00e5 till\u00e4mpa s\u00e4kringsr<span class=\"__10 _471\"/>edovisning kr\u00e4<span class=\"__10 _d_9\"/>vs att s\u00e4kringen<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">har en h\u00f6g effek</span><span class=\"__10 _d_9\"/>tivitet<span class=\"__10 _c_9\"/>. En s\u00e4kring anses ha detta om det vid<span class=\"__10 _469\"> </span> ing\u00e5ngen och under s\u00e4kringens hela l\u00f6ptid kan f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>v\u00e4ntas a<span class=\"__10 _d_9\"/>tt<span class=\"__10 _469\"> </span> f\u00f6r<span class=\"__10 _471\"/>\u00e4ndringar i verkligt v\u00e4r<span class=\"__10 _471\"/>de p\u00e5 den s\u00e4krade post<span class=\"__10 _471\"/>en, med<span class=\"__10 _469\"> </span> avseende p\u00e5 den s\u00e4kr<span class=\"__10 _d_9\"/>ade risken, v\u00e4sentligen neutr<span class=\"__10 _471\"/>aliseras a<span class=\"__10 _d_9\"/>v<span class=\"__10 _469\"> </span> f\u00f6r<span class=\"__10 _471\"/>\u00e4ndringar i verkligt v\u00e4r<span class=\"__10 _471\"/>de p\u00e5 s\u00e4kringsinstrumen<span class=\"__10 _471\"/>tet. Utfallet<span class=\"__10 _469\"> </span> ska ligga inom intervallet 80\u2013<span class=\"__10 _d_9\"/>12<span class=\"__10 _c_9\"/>5 procen<span class=\"__10 _471\"/>t.<span class=\"__10 _469\"> </span>T<span class=\"__10 _479\"/>ransaktioner som genom<span class=\"__10 _471\"/>f\u00f6rs i enlighet med Nordeas s\u00e4k<span class=\"__10 _d_9\"/>-<span class=\"__10 _469\"> </span>ringsm\u00e5l, men som inte uppfyller krit<span class=\"__10 _471\"/>erierna f\u00f6r s\u00e4kringsr<span class=\"__10 _471\"/>edo-<span class=\"__10 _469\"> </span>visning, \u00e4r ekonomiska s\u00e4kringsf<span class=\"__10 _471\"/>\u00f6rh\u00e5llanden.<span class=\"__10 _469\"> </span>S\u00e4kring av v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span>S\u00e4kring av v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde till\u00e4mpas n\u00e4r derivat anv<span class=\"__10 _d_9\"/>\u00e4nds f\u00f6r att<span class=\"__10 _469\"> </span> risks\u00e4kra f<span class=\"__10 _471\"/>\u00f6r\u00e4ndringar i verkligt v<span class=\"__10 _d_9\"/>\u00e4rde p\u00e5 en redovisad till-<span class=\"__10 _469\"> </span>g\u00e5ng eller skuld h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6rlig till en speci\ufb01k risk. S\u00e4kring av verk<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>ligt v\u00e4rde kan till\u00e4mpas p\u00e5 b\u00e5de mikr<span class=\"__10 _471\"/>oniv\u00e5 (enskilda tillg\u00e5ng-<span class=\"__10 _469\"> </span>ar/<span class=\"__10 _d_9\"/>skulder eller st\u00e4ngda portf\u00f6ljer a<span class=\"__10 _d_9\"/>v tillg\u00e5ngar/<span class=\"__10 _d_9\"/>skulder<span class=\"__10 _d_9\"/>, d\u00e4r<span class=\"__10 _469\"> </span> en eller flera post<span class=\"__10 _471\"/>er s\u00e4kras med hj\u00e4lp a<span class=\"__10 _d_9\"/>v ett eller flera s\u00e4k-<span class=\"__10 _469\"> </span>ringsinstrument), och makr<span class=\"__10 _d_9\"/>oniv\u00e5 (\u00f6ppna portf\u00f6ljer<span class=\"__10 _d_9\"/>, d\u00e4r grup-<span class=\"__10 _469\"> </span>per av pos<span class=\"__10 _d_9\"/>ter s\u00e4kras med hj\u00e4lp av flera s\u00e4kringsins<span class=\"__10 _d_9\"/>trument).<span class=\"__10 _469\"> </span>F\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndringar i verkligt v\u00e4rde p\u00e5 derivat (s\u00e4kringsins<span class=\"__10 _d_9\"/>tru-<span class=\"__10 _469\"> </span>ment) liksom f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i verkligt v\u00e4rde p\u00e5 den s\u00e4kr<span class=\"__10 _d_9\"/>ade<span class=\"__10 _469\"> </span> posten, h\u00e4n<span class=\"__10 _471\"/>f\u00f6rliga till de risk<span class=\"__10 _471\"/>er som s\u00e4kras, redo<span class=\"__10 _d_9\"/>visas separat i<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen under \u201dNettoresultat a<span class=\"__10 _d_9\"/>v poster till verkligt<span class=\"__10 _469\"> </span> v\u00e4rde\u201d<span class=\"__10 _479\"/><span class=\"__10 _469\">. Om s\u00e4kringen \u00e4r effek</span><span class=\"__10 _d_9\"/>tiv tar f\u00f6r\u00e4ndringen i verkligt<span class=\"__10 _469\"> </span> v\u00e4rde p\u00e5 den s\u00e4kr<span class=\"__10 _471\"/>ade posten re<span class=\"__10 _471\"/>spektiv<span class=\"__10 _471\"/>e s\u00e4kringsinstrumen<span class=\"__10 _471\"/>tet<span class=\"__10 _469\"> </span> ut varandr<span class=\"__10 _d_9\"/>a.<span class=\"__10 _469\"> </span>F\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndringarna i verkligt v\u00e4rde p\u00e5 den s\u00e4krade post<span class=\"__10 _471\"/>en,<span class=\"__10 _469\"> </span> h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6rliga till riskerna s\u00e4krade med derivatinstrumen<span class=\"__10 _d_9\"/>tet<span class=\"__10 _c_9\"/>,<span class=\"__10 _469\"> </span> avspeglas i en jus<span class=\"__10 _d_9\"/>tering av den s\u00e4krade post<span class=\"__10 _471\"/>ens redovisade<span class=\"__10 _469\"> </span> v\u00e4rde som ocks\u00e5 r<span class=\"__10 _471\"/>edovisas i resul<span class=\"__10 _471\"/>tatr<span class=\"__10 _471\"/>\u00e4kningen. F\u00f6r<span class=\"__10 _471\"/>\u00e4ndringen i<span class=\"__10 _469\"> </span> verkligt v\u00e4r<span class=\"__10 _471\"/>de p\u00e5 r\u00e4n<span class=\"__10 _471\"/>tes\u00e4krade pos<span class=\"__10 _471\"/>ter p\u00e5 makroniv<span class=\"__10 _471\"/>\u00e5, v\u00e4rde-<span class=\"__10 _469\"> </span><span class=\"__10 _469\">rade till upplupet anskaff</span><span class=\"__10 _d_9\"/>ningsv\u00e4rde, redovisas i balansr\u00e4k<span class=\"__10 _d_9\"/>-<span class=\"__10 _469\"> </span>ningen separera<span class=\"__10 _d_9\"/>t under posten \u201dF\u00f6r\u00e4ndring a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde<span class=\"__10 _469\"> </span> f\u00f6r r<span class=\"__10 _471\"/>\u00e4nte<span class=\"__10 _471\"/>s\u00e4krade post<span class=\"__10 _471\"/>er i s\u00e4kringsportf\u00f6ljer<span class=\"__10 _c_9\"/>\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>E<span class=\"__10 _471\"/>ventuell ine<span class=\"__10 _471\"/><span class=\"__10 _469\">ffek</span><span class=\"__10 _d_9\"/>tiv del av s\u00e4kringen redovisas i r<span class=\"__10 _471\"/>esultat-<span class=\"__10 _469\"> </span>r\u00e4kningen under post<span class=\"__10 _471\"/>en \u201dNettoresult<span class=\"__10 _471\"/>at a<span class=\"__10 _d_9\"/>v poster till verkligt<span class=\"__10 _469\"> </span> v\u00e4rde\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span> Om s\u00e4kringsf\u00f6rh\u00e5llandet in<span class=\"__10 _d_9\"/>te uppfyller krav<span class=\"__10 _d_9\"/>en f\u00f6r s\u00e4krings-<span class=\"__10 _469\"> </span>redovisning a<span class=\"__10 _d_9\"/>vslutas s\u00e4kringsredovisningen. S\u00e4kringsinstru-<span class=\"__10 _469\"> </span>mentet v<span class=\"__10 _d_9\"/>\u00e4rderas till verkligt v\u00e4rde via r<span class=\"__10 _471\"/>esulta<span class=\"__10 _471\"/>tr\u00e4kningen och<span class=\"__10 _469\"> </span> f\u00f6r<span class=\"__10 _471\"/>\u00e4ndringen i verkligt v\u00e4r<span class=\"__10 _471\"/>de p\u00e5 den s\u00e4krade post<span class=\"__10 _471\"/>en, fram till<span class=\"__10 _469\"> </span> den tidpunkt d\u00e5 s\u00e4kringsf<span class=\"__10 _d_9\"/>\u00f6rh\u00e5llandet avslutas, resul<span class=\"__10 _471\"/>tatf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s<span class=\"__10 _469\"> </span> linj\u00e4rt \u00f6ver den s\u00e4krade pos<span class=\"__10 _471\"/>tens \u00e5terst<span class=\"__10 _471\"/>\u00e5ende l\u00f6ptid.<span class=\"__10 _469\"> </span>Kassafl\u00f6dess\u00e4kring<span class=\"__10 _469\"> </span>Kassafl\u00f6dess\u00e4kring till\u00e4mpas f<span class=\"__10 _d_9\"/>\u00f6r s\u00e4kring av risk h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6rlig till<span class=\"__10 _469\"> </span> variationer i f<span class=\"__10 _471\"/>ram<span class=\"__10 _471\"/>tida kassafl\u00f6den. Den del a<span class=\"__10 _d_9\"/>v vinsten eller<span class=\"__10 _469\"> </span> f\u00f6rlus<span class=\"__10 _d_9\"/>ten p\u00e5 s\u00e4kringsinstrumentet som bed\u00f6ms v<span class=\"__10 _471\"/><span class=\"__10 _469\">ara en eff</span><span class=\"__10 _d_9\"/>ek-<span class=\"__10 _469\"> </span>tiv s\u00e4kring redovisas i \u00f6vrigt t<span class=\"__10 _d_9\"/>otalresultat och ack<span class=\"__10 _471\"/>umuleras i<span class=\"__10 _469\"> </span> reserven f<span class=\"__10 _471\"/>\u00f6r kassafl\u00f6dess\u00e4kringar under eget kapital. Den<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">ineffek</span><span class=\"__10 _d_9\"/>tiva delen av vinst<span class=\"__10 _d_9\"/>en eller f\u00f6rlusten p\u00e5 s\u00e4kringsins<span class=\"__10 _471\"/>tru-<span class=\"__10 _469\"> </span>mentet omklassi\ufb01c<span class=\"__10 _471\"/>eras till resul<span class=\"__10 _471\"/>tatr<span class=\"__10 _471\"/>\u00e4kningen under posten<span class=\"__10 _469\"> </span> \u201dNettoresult<span class=\"__10 _471\"/>at a<span class=\"__10 _d_9\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__10 _479\"/>. S\u00e4kringen bed\u00f6m<span class=\"__10 _469\"> </span>s <span class=\"__10 _469\">vara ineff</span><span class=\"__10 _d_9\"/>ektiv i den utstr\u00e4ckning s<span class=\"__10 _471\"/>om den ackumulerade f<span class=\"__10 _d_9\"/>\u00f6r-<span class=\"__10 _469\"> </span>\u00e4ndringen i verkligt v\u00e4r<span class=\"__10 _471\"/>de sedan s\u00e4kringen ingicks \u00e4r st\u00f6rr<span class=\"__10 _471\"/>e<span class=\"__10 _469\"> </span> f\u00f6r s\u00e4kringsins<span class=\"__10 _471\"/>trumentet \u00e4n f<span class=\"__10 _d_9\"/>\u00f6r den s\u00e4krade posten.<span class=\"__10 _469\"> </span>Vinster eller f<span class=\"__10 _d_9\"/>\u00f6rluster p\u00e5 s\u00e4kringsinstrumen<span class=\"__10 _471\"/>t som redovi-<span class=\"__10 _469\"> </span>sats i reserven f<span class=\"__10 _d_9\"/>\u00f6r kassafl\u00f6dess\u00e4kringar under eget kapital vi<span class=\"__10 _469\"> </span>a \u00f6vrigt tot<span class=\"__10 _471\"/>alresulta<span class=\"__10 _d_9\"/>t omklassi\ufb01ceras och redovisas i resul<span class=\"__10 _471\"/>tat-<span class=\"__10 _469\"> </span>r\u00e4kningen i samma period som den s\u00e4krade pos<span class=\"__10 _d_9\"/>ten p\u00e5verkar<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen, normalt i den period n\u00e4r r\u00e4ntein<span class=\"__10 _d_9\"/>t\u00e4kten elle<span class=\"__10 _469\"> </span>r r\u00e4n<span class=\"__10 _471\"/>tekostnaden r<span class=\"__10 _d_9\"/>edovisas.<span class=\"__10 _469\"> </span>En s\u00e4krad post i en kassa<span class=\"__10 _471\"/>fl\u00f6dess\u00e4kring kan var<span class=\"__10 _471\"/>a h\u00f6gst san-<span class=\"__10 _469\"> </span>nolika kassafl\u00f6den fr<span class=\"__10 _d_9\"/>\u00e5n redovisade, eller fram<span class=\"__10 _471\"/>tida, tillg\u00e5ngar<span class=\"__10 _469\"> </span> eller skulder<span class=\"__10 _d_9\"/>. Derivat som an<span class=\"__10 _d_9\"/>v\u00e4nds som s\u00e4kringsinstrument<span class=\"__10 _469\"> </span> v\u00e4rder<span class=\"__10 _471\"/>as alltid till verkligt v<span class=\"__10 _471\"/>\u00e4rde.<span class=\"__10 _469\"> </span> Om s\u00e4kringsf\u00f6rh\u00e5llandet in<span class=\"__10 _d_9\"/>te uppfyller krav<span class=\"__10 _d_9\"/>en f\u00f6r s\u00e4krings<span class=\"__10 _469\"> </span>-<span class=\"__10 _469\"> </span>redovisning a<span class=\"__10 _d_9\"/>vslutas s\u00e4kringsredovisningen. F<span class=\"__10 _471\"/>\u00f6r kassafl\u00f6-<span class=\"__10 _469\"> </span>dess\u00e4kringar redovisas f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i det orealiserade v\u00e4r<span class=\"__10 _d_9\"/>det<span class=\"__10 _469\"> </span> p\u00e5 s\u00e4kringsinstrument<span class=\"__10 _d_9\"/>et i resultatr\u00e4kningen fr<span class=\"__10 _d_9\"/>\u00e5n och med det<span class=\"__10 _469\"> </span> senaste tillf<span class=\"__10 _d_9\"/><span class=\"__10 _469\">\u00e4llet d\u00e5 s\u00e4kringen bed\u00f6mdes vara eff</span><span class=\"__10 _471\"/>ektiv<span class=\"__10 _479\"/>. Den<span class=\"__10 _469\"> </span> ackumulerade vins<span class=\"__10 _d_9\"/>ten eller f\u00f6rlusten p\u00e5 s\u00e4kringsins<span class=\"__10 _d_9\"/>trumentet<span class=\"__10 _469\"> </span>, som sedan den period d\u00e5 s\u00e4kringen bed\u00f6mdes var<span class=\"__10 _d_9\"/><span class=\"__10 _469\">a effektiv<span class=\"__10 _469\"> </span></span> har redovisa<span class=\"__10 _471\"/>ts i reserven f<span class=\"__10 _471\"/>\u00f6r kassafl\u00f6dess\u00e4kringar under eget<span class=\"__10 _469\"> </span> kapital via \u00f6vrigt to<span class=\"__10 _d_9\"/>talresultat, omklassi\ufb01ceras fr<span class=\"__10 _471\"/>\u00e5n eget kapi-<span class=\"__10 _469\"> </span>tal till \u201dNettoresul<span class=\"__10 _471\"/>tat a<span class=\"__10 _d_9\"/>v poster till verkligt v\u00e4rde\u201d i r<span class=\"__10 _d_9\"/>esultatr\u00e4k<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>ningen om den f\u00f6rv\u00e4n<span class=\"__10 _d_9\"/>tade transaktionen int<span class=\"__10 _d_9\"/>e l\u00e4ngre f\u00f6rv\u00e4n-<span class=\"__10 _469\"> </span>tas intr<span class=\"__10 _471\"/><span class=\"__10 _469\">\u00e4ff</span><span class=\"__10 _471\"/>a.<span class=\"__10 _469\"> </span> Om den f\u00f6rv\u00e4n<span class=\"__10 _d_9\"/>tade transaktionen int<span class=\"__10 _d_9\"/>e l\u00e4ngre \u00e4r h\u00f6gst san-<span class=\"__10 _469\"> </span>nolik, men \u00e4nd\u00e5 f\u00f6rv\u00e4nt<span class=\"__10 _471\"/>as intr<span class=\"__10 _471\"/><span class=\"__10 _469\">\u00e4ffa, s\u00e5 kv</span><span class=\"__10 _d_9\"/>ar<span class=\"__10 _c_9\"/>st\u00e5r den ack<span class=\"__10 _471\"/>umule-<span class=\"__10 _469\"> </span>rade vinst<span class=\"__10 _471\"/>en eller f\u00f6rlus<span class=\"__10 _d_9\"/>ten p\u00e5 s\u00e4kringsinstrumentet, som har<span class=\"__10 _469\"> </span> redovisa<span class=\"__10 _471\"/>ts under \u00f6vrigt tot<span class=\"__10 _471\"/>alresulta<span class=\"__10 _d_9\"/>t sedan den period d\u00e5 s\u00e4k-<span class=\"__10 _469\"> </span><span class=\"__10 _469\">ringen bed\u00f6mdes vara eff</span><span class=\"__10 _d_9\"/>ektiv<span class=\"__10 _d_9\"/>, i \u00f6vrigt totalr<span class=\"__10 _d_9\"/>esultat till dess<span class=\"__10 _469\"> </span> att transak<span class=\"__10 _d_9\"/><span class=\"__10 _469\">tionen intr\u00e4ff</span><span class=\"__10 _d_9\"/>ar eller inte l\u00e4ngre f<span class=\"__10 _471\"/>\u00f6rv\u00e4ntas in<span class=\"__10 _d_9\"/><span class=\"__10 _469\">tr\u00e4ffa.<span class=\"__10 _469\"> </span></span>S\u00e4kring av nett<span class=\"__10 _d_9\"/>oinvesteringar<span class=\"__10 _469\"> </span>S\u00e4kring av nett<span class=\"__10 _471\"/>oinves<span class=\"__10 _d_9\"/>teringar till\u00e4mpas f\u00f6r s\u00e4kring av v<span class=\"__10 _d_9\"/>aluta-<span class=\"__10 _469\"> </span>risk i nettoinve<span class=\"__10 _471\"/>steringar i utl\u00e4ndsk verksamhet. V<span class=\"__10 _d_9\"/>alutarisk<span class=\"__10 _469\"> </span> de\ufb01nieras som risken f<span class=\"__10 _d_9\"/>\u00f6r f\u00f6rlust h\u00e4n<span class=\"__10 _d_9\"/>f\u00f6rlig till inves<span class=\"__10 _471\"/>teringar i<span class=\"__10 _469\"> </span> utl\u00e4ndsk verksamhet som har en annan funk<span class=\"__10 _d_9\"/>tionell valuta \u00e4n<span class=\"__10 _469\"> </span> koncernens rapporteringsv<span class=\"__10 _471\"/>aluta.  V<span class=\"__10 _d_9\"/>alutakurskomponent<span class=\"__10 _d_9\"/>en i \ufb01nansiella instrument som<span class=\"__10 _469\"> </span> anv\u00e4nds som s\u00e4kringsins<span class=\"__10 _d_9\"/>trument i en s\u00e4kring av nettoin<span class=\"__10 _471\"/>vest<span class=\"__10 _471\"/>e<span class=\"__10 _469\"> </span>-<span class=\"__10 _469\"> </span>ring i ett koncern<span class=\"__10 _471\"/>f\u00f6r<span class=\"__10 _471\"/>etag redovisas, i den m\u00e5n s\u00e4kringen \u00e4r<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">effek</span><span class=\"__10 _d_9\"/>tiv<span class=\"__10 _471\"/>, under \u00f6vrigt to<span class=\"__10 _471\"/>talresulta<span class=\"__10 _d_9\"/>t<span class=\"__10 _c_9\"/>. Detta f\u00f6r att neutr<span class=\"__10 _d_9\"/>alisera<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">de omr\u00e4kningsdiff</span><span class=\"__10 _d_9\"/>erenser som p\u00e5verkar \u00f6<span class=\"__10 _d_9\"/>vrigt totalresulta<span class=\"__10 _471\"/>t<span class=\"__10 _469\"> </span> n\u00e4r koncern<span class=\"__10 _471\"/>f\u00f6r<span class=\"__10 _471\"/>etagen konsolideras, inkl<span class=\"__10 _471\"/>usive omv<span class=\"__10 _d_9\"/>\u00e4rderingen<span class=\"__10 _469\"> </span> av e<span class=\"__10 _471\"/>ventuella utvidgade nett<span class=\"__10 _471\"/>oinves<span class=\"__10 _d_9\"/>teringar<span class=\"__10 _471\"/>. E<span class=\"__10 _471\"/>ven<span class=\"__10 _471\"/><span class=\"__10 _469\">tuell ineffek</span><span class=\"__10 _d_9\"/>-<span class=\"__10 _469\"> </span>tiv del av s\u00e4kringen r<span class=\"__10 _471\"/>edovisas i resul<span class=\"__10 _471\"/>tatr<span class=\"__10 _471\"/>\u00e4kningen under \u201dNet-<span class=\"__10 _469\"> </span>toresult<span class=\"__10 _471\"/>at a<span class=\"__10 _d_9\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>Se \u00e4v<span class=\"__10 _d_9\"/>en not K1 \u201dRedovisningsprinciper<span class=\"__10 _c_9\"/>\u201d<span class=\"__10 _d_9\"/>, avsnitt<span class=\"__10 _471\"/>et \u201dOmr\u00e4k<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>ning av tillg\u00e5ngar och sk<span class=\"__10 _d_9\"/>ulder i utl\u00e4ndsk valuta<span class=\"__10 _469\"> </span>\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span><div class=\"t_10 m0_10 h1_10 ff1_10 fs0_10 fc0_10 sc0_10 ls0_10 ws0_10\" style=\"left:0.01052475px; bottom:2.1012287px;\">138<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h2_10 ff2_10 fs1_9 fc0_10 sc0_10 ls0_10 ws1_10\" style=\"left:44.122643px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h3_9 ff2_10 fs1_9 fc0_10 sc0_10 ls1_10 ws2_9\" style=\"left:48.323853px; bottom:1029.1447px;\">Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span></div><div class=\"t_10 m0_10 h6_9 ff1_10 fs4_9 fc1_9 sc0_10 ls0_10 ws0_10\" style=\"left:51.492737px; bottom:951.164px;\">Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__10 _d_9\"/>ttningar<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:926.5797px;\">En viktig bed\u00f6mning i samband med redo<span class=\"__10 _d_9\"/>visning av kassafl\u00f6-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:913.0545px;\">dess\u00e4kringar \u00e4r valet a<span class=\"__10 _d_9\"/>v metod f\u00f6r att tes<span class=\"__10 _d_9\"/><span class=\"__10 _469\">ta effektivit</span><span class=\"__10 _471\"/>eten.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:57.017998px; bottom:899.5293px;\">De s\u00e4kringsinstrument s<span class=\"__10 _471\"/>om anv\u00e4nds n\u00e4r Nor<span class=\"__10 _471\"/>dea till\u00e4mpar<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:886.0041px;\">kassafl\u00f6dess\u00e4kring \u00e4r huvudsakligen val<span class=\"__10 _471\"/>utar\u00e4n<span class=\"__10 _d_9\"/>teswappar<span class=\"__10 _d_9\"/>,<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:872.47894px;\">vilka alltid redo<span class=\"__10 _471\"/>visas till verkligt v\u00e4r<span class=\"__10 _471\"/>de. V<span class=\"__10 _d_9\"/>alutakomponent<span class=\"__10 _471\"/>en<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:858.95374px;\">hanter<span class=\"__10 _d_9\"/>as som en kassafl\u00f6dess\u00e4kring av val<span class=\"__10 _d_9\"/>utarisk och r\u00e4nte-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:845.4285px;\">komponent<span class=\"__10 _471\"/>en som en verklig v\u00e4r<span class=\"__10 _d_9\"/>des\u00e4kring av r\u00e4n<span class=\"__10 _471\"/>terisk. Vid<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:831.9033px;\">m\u00e4tningen a<span class=\"__10 _d_9\"/><span class=\"__10 _469\">v effektivitet</span><span class=\"__10 _471\"/>en i dessa kassafl\u00f6dess\u00e4kringar<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:818.3781px;\">anv\u00e4nds den h<span class=\"__10 _471\"/>ypotetiska deriv<span class=\"__10 _471\"/>atmetoden, vilk<span class=\"__10 _471\"/>et inneb\u00e4r att<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:804.8529px;\">f\u00f6r<span class=\"__10 _471\"/>\u00e4ndringen i en perfek<span class=\"__10 _d_9\"/>t hypotetisk swap anses mo<span class=\"__10 _471\"/>tsvara<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:791.3277px;\">nuv\u00e4rdet a<span class=\"__10 _d_9\"/>v den ackumulerade f\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndringen i f\u00f6rv\u00e4ntade<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:777.8025px;\">fram<span class=\"__10 _d_9\"/>tida kassafl\u00f6den f\u00f6r den s\u00e4krade tr<span class=\"__10 _471\"/>ansaktionen (v<span class=\"__10 _d_9\"/>aluta-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:764.27734px;\">komponent<span class=\"__10 _471\"/>en). F<span class=\"__10 _d_9\"/>astst\u00e4llandet a<span class=\"__10 _471\"/>v egenskaper f\u00f6r den perf<span class=\"__10 _d_9\"/>ekta<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:750.75214px;\">hypotetisk<span class=\"__10 _471\"/>a swappen kr\u00e4<span class=\"__10 _d_9\"/>ver kritiska bed\u00f6mningar<span class=\"__10 _469\"> </span><span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h6_9 ff1_10 fs4_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:696.58777px;\">Derivat s<span class=\"__10 _471\"/>om anv\u00e4nds f<span class=\"__10 _d_9\"/>\u00f6r s\u00e4kringredovisning<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:654.7856px;\">31 dec 2022, mn euro<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:221.65077px; bottom:670.9537px;\">V<span class=\"__10 _471\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls13_8 ws24_7\" style=\"left:305.8986px; bottom:663.8869px;\">Nominellt   </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 lsc_9 ws11_9\" style=\"left:317.3022px; bottom:654.7843px;\">belopp<span class=\"__10 _11e_3\"/><span class=\"ls0_10 ws0_10\">Positivt<span class=\"__10 _522\"> </span>Negativt<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:639.8535px;\">S\u00e4kring av verkligt v<span class=\"__10 _d_9\"/><span class=\"__10 _469\">\u00e4rde1</span><span class=\"__10 _574\"> </span>4 899<span class=\"__10 _483\"> </span><span class=\"ls4_9 ws7_9\">7 514<span class=\"__10 _a5_3\"> </span></span>190 844<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:625.65753px;\"><span class=\"__10 _469\">Kassafl\u00f6dess\u00e4kringar1</span><span class=\"__10 _e2_2\"> </span>1 466<span class=\"__10 _494\"> </span><span class=\"ls4_9 ws7_9\">251<span class=\"__10 _568\"> </span></span>18 738<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:611.46155px;\">S\u00e4kring av nettoin<span class=\"__10 _d_9\"/>vesteringar<span class=\"__10 _550\"> </span><span class=\"ls3_9 ws6_9\">241<span class=\"__10 _496\"> </span></span>200<span class=\"__10 _538\"> </span>3 565<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:595.7913px;\">Summa <span class=\"__10 _11f_3\"> </span>6 606<span class=\"__10 _514\"> </span>7 965<span class=\"__10 _510\"> </span>213 147<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:549.6039px;\">31 dec 2021, mn euro<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:220.49052px; bottom:565.772px;\">V<span class=\"__10 _471\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 lsc_9 ws11_9\" style=\"left:305.8986px; bottom:558.7052px;\">Nominellt<span class=\"ls0_10 ws0_10\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 lsc_9 ws11_9\" style=\"left:317.3022px; bottom:549.6026px;\">belopp<span class=\"__10 _590\"/><span class=\"ls0_10 ws0_10\">Positivt<span class=\"__10 _6c_2\"> </span>Negativt<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:534.6718px;\">S\u00e4kring av verkligt v<span class=\"__10 _d_9\"/><span class=\"__10 _469\">\u00e4rde1</span><span class=\"__10 _a1_2\"> </span>1 7<span class=\"__10 _c_9\"/>72<span class=\"__10 _bc_2\"> </span>1 062<span class=\"__10 _ab_2\"> </span>2<span class=\"__10 _c_9\"/>59 426<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:520.4758px;\"><span class=\"__10 _469\">Kassafl\u00f6dess\u00e4kringar1</span><span class=\"__10 _e4_2\"> </span>481<span class=\"__10 _498\"> </span>503<span class=\"__10 _4a_2\"> </span>22 757<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:506.27985px;\">S\u00e4kring av nettoin<span class=\"__10 _d_9\"/>vesteringar<span class=\"__10 _503\"> </span>260<span class=\"__10 _494\"> </span>188<span class=\"__10 _538\"> </span>3 749<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:490.60962px;\">Summa <span class=\"__10 _591\"> </span>2 513<span class=\"__10 _bc_2\"> </span>1 753<span class=\"__10 _6c_2\"> </span>285 932<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:470.9544px;\">1)   <span class=\"__10 _2b_4\"/>Vissa valutar\u00e4ntes<span class=\"__10 _471\"/>wappar anv\u00e4nds som b\u00e5de s\u00e4kring a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde och kassa-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:58.494278px; bottom:462.11755px;\">fl\u00f6dess\u00e4kringar<span class=\"__10 _d_9\"/>. De nominella v\u00e4rdena f\u00f6r dessa instrument har f<span class=\"__10 _d_9\"/>\u00f6rdelats p\u00e5 raderna<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:58.494278px; bottom:453.28067px;\">s\u00e4kring av verkligt v<span class=\"__10 _471\"/>\u00e4rde och kassafl\u00f6dess\u00e4kringar i tabellen ov<span class=\"__10 _d_9\"/>an baserat p\u00e5 de<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:58.494278px; bottom:444.4438px;\">relativa verkliga v<span class=\"__10 _d_9\"/>\u00e4rdena p\u00e5 dessa s\u00e4kringsinstrument. Det totala nominella v\u00e4rdet<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:58.494278px; bottom:435.6069px;\">p\u00e5 valutar\u00e4n<span class=\"__10 _d_9\"/>teswappar uppg\u00e5r per 31 december 2022 till 22 494 mn euro (27 932 mn<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:58.494278px; bottom:426.77002px;\">euro).<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:393.84622px;\">T<span class=\"__10 _479\"/>abellen ovan visar verkligt v<span class=\"__10 _471\"/>\u00e4rde liksom nominella belopp<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:380.321px;\">f\u00f6r deriv<span class=\"__10 _471\"/>atinstrumen<span class=\"__10 _d_9\"/>t som anv\u00e4nds f\u00f6r s\u00e4kringsr<span class=\"__10 _d_9\"/>edovisning.<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:366.7958px;\">De nominella beloppen anger utest\u00e5ende tr<span class=\"__10 _d_9\"/>ansaktionsvolym<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:353.27063px;\">vid \u00e5rets slut och ger in<span class=\"__10 _471\"/>te n\u00e5gon indikation om v<span class=\"__10 _d_9\"/>are sig mark-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:339.74542px;\">nadsrisk eller kreditrisk. V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde och nominellt belopp<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:326.2202px;\">f\u00f6r deriv<span class=\"__10 _471\"/>at i denna not a<span class=\"__10 _d_9\"/>vser fr\u00e5n och med 2022 deriva<span class=\"__10 _d_9\"/>tens<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:312.695px;\">v\u00e4rde f<span class=\"__10 _d_9\"/>\u00f6re kvittning mellan tillg\u00e5ngar och skulder i balansr\u00e4k<span class=\"__10 _d_9\"/>-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:299.16983px;\">ningen (bruttobelopp) och in<span class=\"__10 _d_9\"/>te som tidigare efter kvittning.<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:285.64462px;\">Sk\u00e4let \u00e4r att bruttobeloppet b\u00e4<span class=\"__10 _471\"/>ttre speglar e<span class=\"__10 _471\"/>xponeringen i<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:272.11942px;\">s\u00e4kringsinstrument<span class=\"__10 _d_9\"/>et<span class=\"__10 _c_9\"/>. J\u00e4mf\u00f6r<span class=\"__10 _471\"/><span class=\"__10 _469\">elsesiffrorna har r</span><span class=\"__10 _d_9\"/>\u00e4knats om p\u00e5<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:258.5942px;\">motsvar<span class=\"__10 _d_9\"/>ande s\u00e4tt<span class=\"__10 _c_9\"/>.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h6_9 ff1_10 fs4_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:231.49701px;\">Riskhantering<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:217.96779px;\">Utifr\u00e5n sin riskhan<span class=\"__10 _d_9\"/>teringspolicy har Nordea identi\ufb01era<span class=\"__10 _471\"/>t ett<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:204.44258px;\">antal riskka<span class=\"__10 _d_9\"/>tegorier och motsvarande s\u00e4kringsstr<span class=\"__10 _d_9\"/>ategier med<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:190.91739px;\">hj\u00e4lp av deriv<span class=\"__10 _d_9\"/>atinstrument, enligt beskrivningen i avsnitt 4<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:177.39218px;\">\u201dMarknadsrisk\u201d i not K11 \u201dRisk<span class=\"__10 _471\"/>- och likviditetshant<span class=\"__10 _471\"/>ering\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 wsd_9\" style=\"left:57.017998px; bottom:163.86699px;\">Nordea<span class=\"ws0_10\"> klassi\ufb01cerar sin e<span class=\"__10 _d_9\"/>xponering f\u00f6r marknadsrisk som<span class=\"__10 _469\"> </span></span><span class=\"ws0_10\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:44.122643px; bottom:150.34178px;\">antingen handelsportf\u00f6lj (handelslagr<span class=\"__10 _d_9\"/>et) eller icke-handels<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:44.122643px; bottom:136.81659px;\">portf\u00f6lj (\u00f6<span class=\"__10 _471\"/>vrig verksamhet), och dessa han<span class=\"__10 _471\"/>teras separ<span class=\"__10 _d_9\"/>at<span class=\"__10 _c_9\"/>.<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:57.017998px; bottom:123.29138px;\">Handelslagret utg\u00f6rs a<span class=\"__10 _471\"/>v alla \ufb01nansiella instrumen<span class=\"__10 _471\"/>t som<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 wsd_9\" style=\"left:44.122643px; bottom:109.76619px;\">Nordea<span class=\"ws0_10\"> innehar i handelssyfte eller i syfte att risks\u00e4kra ins<span class=\"__10 _d_9\"/>tru<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:44.122643px; bottom:96.24099px;\">ment som innehas i handelssyfte. Ins<span class=\"__10 _471\"/>trument som innehas i<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:44.122643px; bottom:82.71579px;\">handelssyfte \u00e4r de som innehas kortfristigt f<span class=\"__10 _d_9\"/>\u00f6r senare f\u00f6rs\u00e4lj<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:364.7211px; bottom:951.6878px;\">ning eller d\u00e4r avsik<span class=\"__10 _d_9\"/>ten \u00e4r att dra f<span class=\"__10 _471\"/>\u00f6rdel a<span class=\"__10 _d_9\"/>v faktiska eller f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>v\u00e4n<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:364.7211px; bottom:938.1626px;\">tade kortsiktiga skillnader i k\u00f6p- och s\u00e4ljkurser<span class=\"__10 _479\"/>, eller av andra<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:364.7211px; bottom:924.6374px;\">kurs- eller r\u00e4n<span class=\"__10 _471\"/>tef<span class=\"__10 _471\"/>\u00f6r\u00e4ndringar<span class=\"__10 _479\"/>.<span class=\"__10 _c_9\"/> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:377.61646px; bottom:911.1122px;\">\u00d6vrig verksamhet innef<span class=\"__10 _471\"/>attar alla inneha<span class=\"__10 _d_9\"/>v utanf\u00f6r handels<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:364.7211px; bottom:897.587px;\">lagret. Alla s\u00e4kringar som uppfyller kriterierna f<span class=\"__10 _d_9\"/>\u00f6r s\u00e4kringsre<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:364.7211px; bottom:884.06177px;\">dovisning hant<span class=\"__10 _d_9\"/>eras som instrument inom \u00f6vrig v<span class=\"__10 _d_9\"/>erksamhet<span class=\"__10 _c_9\"/>.<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:364.7211px; bottom:870.53656px;\">S\u00e4kringsinstrument<span class=\"__10 _d_9\"/>en och de s\u00e4krade riskerna beskrivs n\u00e4r<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:364.7211px; bottom:857.0114px;\">mare nedan, per risk och typ a<span class=\"__10 _471\"/>v s\u00e4kringsredovisning<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:377.61646px; bottom:843.4862px;\">N\u00e4r s\u00e4kringen ing\u00e5s dokument<span class=\"__10 _d_9\"/>erar <span class=\"wsd_9\">Nordea</span> formellt hur s\u00e4k<span class=\"__10 _d_9\"/><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:364.7211px; bottom:829.961px;\">ringsf\u00f6rh\u00e5llandet uppfyll<span class=\"__10 _471\"/>er kriterierna f\u00f6r s\u00e4kringsr<span class=\"__10 _d_9\"/>edovisning,<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:364.7211px; bottom:816.4358px;\">inklusive det ekonomiska f<span class=\"__10 _d_9\"/>\u00f6rh\u00e5llandet mellan den s\u00e4krade<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:364.7211px; bottom:802.9106px;\">posten och s\u00e4kringsinstrumen<span class=\"__10 _d_9\"/>tet<span class=\"__10 _c_9\"/>, bland annat risk<span class=\"__10 _d_9\"/>typ, riskhan<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:364.7211px; bottom:789.3854px;\">teringsm\u00e5l och str<span class=\"__10 _471\"/>ategi f<span class=\"__10 _d_9\"/>\u00f6r risks\u00e4kringen, samt vilken metod<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:364.7211px; bottom:775.86017px;\">som har anv\u00e4n<span class=\"__10 _d_9\"/>ts f\u00f6r att f<span class=\"__10 _d_9\"/>or<span class=\"__10 _c_9\"/>tl\u00f6pande bed\u00f6ma s\u00e4kringsf\u00f6rh\u00e5llan<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws25_7\" style=\"left:364.7211px; bottom:762.33496px;\"><span class=\"__10 _469\">dets effek</span><span class=\"__10 _471\"/>tivitet.  </div><div class=\"t_10 m0_10 h6_9 ff1_10 fs4_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:735.1859px;\">R\u00e4nterisk<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:721.6568px;\"><span class=\"__10 _469\">Nordeas huvudsakliga aff</span><span class=\"__10 _d_9\"/>\u00e4r<span class=\"__10 _c_9\"/>smodell g\u00e5r ut p\u00e5 att anv<span class=\"__10 _471\"/>\u00e4nda<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:708.1316px;\">bankens inl\u00e5ning till att erbjuda sina k<span class=\"__10 _471\"/>under l\u00e5n och andra<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:694.60645px;\">\ufb01nansieringsprodukt<span class=\"__10 _d_9\"/>er och skuldinstrument. R\u00e4nterisk \u00e4r den<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:681.08124px;\">inverkan som r<span class=\"__10 _d_9\"/>\u00e4ntef\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndringar kan f\u00e5 p\u00e5 Nordeas margina-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:667.556px;\">ler<span class=\"__10 _d_9\"/>, resultat och eget kapit<span class=\"__10 _471\"/>al. R\u00e4nterisk uppst<span class=\"__10 _471\"/>\u00e5r genom bris-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:654.0308px;\">tande \u00f6ver<span class=\"__10 _471\"/>ensst\u00e4mmelse mellan r<span class=\"__10 _471\"/>\u00e4nteb\u00e4r<span class=\"__10 _d_9\"/>ande tillg\u00e5ngar och<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:640.5056px;\">r\u00e4n<span class=\"__10 _471\"/>teb\u00e4rande skul<span class=\"__10 _471\"/>der<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:377.61646px; bottom:626.9804px;\">Som en del i Nordeas riskhant<span class=\"__10 _471\"/>eringsstra<span class=\"__10 _d_9\"/>tegi har styrelsen<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:613.4552px;\">fas<span class=\"__10 _471\"/>tst\u00e4llt limit<span class=\"__10 _471\"/>er g\u00e4llande r\u00e4n<span class=\"__10 _471\"/>tek\u00e4nslighet och r\u00e4n<span class=\"__10 _d_9\"/>teskillnader<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:599.93px;\">inom \u00f6vrig verksamhet. Dessa limiter \u00f6v<span class=\"__10 _471\"/>erensst\u00e4mmer med<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:586.40485px;\">Nordeas riskt<span class=\"__10 _d_9\"/>olerans, och Nordea anpassar sina m\u00e5l med<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:572.87964px;\"> <span class=\"__10 _558\"/>s\u00e4kringsredovisningen f\u00f6r a<span class=\"__10 _471\"/>tt h\u00e5lla exponeringarna inom<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:559.35443px;\">dessa limiter<span class=\"__10 _d_9\"/>. Nordea har som policy att \u00f6<span class=\"__10 _471\"/>vervaka positioner<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:545.8292px;\">p\u00e5  <span class=\"__10 _558\"/>daglig basis. F\u00f6r ytterligare in<span class=\"__10 _d_9\"/>formation om m\u00e4tning a<span class=\"__10 _d_9\"/>v<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:532.304px;\"> <span class=\"__10 _558\"/>risker<span class=\"__10 _d_9\"/>, se avsnitt 4 \u201dMarknadsrisk\u201d i not K11 \u201dRisk<span class=\"__10 _d_9\"/>- och<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws9_9\" style=\"left:364.7211px; bottom:518.7788px;\">likviditets       hant<span class=\"__10 _471\"/>ering\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:377.61646px; bottom:505.2536px;\">F\u00f6r s\u00e4kringsf<span class=\"__10 _d_9\"/>\u00f6rh\u00e5llanden g\u00e4llande r\u00e4nterisk \u00e4r det risken f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:364.7211px; bottom:491.7284px;\">en f\u00f6r<span class=\"__10 _471\"/>\u00e4ndring i verkligt v\u00e4r<span class=\"__10 _d_9\"/>de p\u00e5 den s\u00e4krade posten till f\u00f6ljd a<span class=\"__10 _d_9\"/>v<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:364.7211px; bottom:478.20322px;\">f\u00f6r<span class=\"__10 _471\"/>\u00e4ndringar i ref<span class=\"__10 _d_9\"/>erensr\u00e4ntan som s\u00e4kr<span class=\"__10 _471\"/>as. S\u00e4kringskvoten upp<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:364.7211px; bottom:464.678px;\">n\u00e5s genom att matcha deriv<span class=\"__10 _d_9\"/>atinstrumentens nominella belopp<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:364.7211px; bottom:451.15283px;\">mot kapitalbeloppet i den s\u00e4kr<span class=\"__10 _471\"/>ade posten.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:377.61646px; bottom:437.62762px;\">I syfte att s\u00e4kra och d\u00e4rigenom han<span class=\"__10 _d_9\"/>tera risken och begr\u00e4nsa<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:364.7211px; bottom:424.10242px;\">inverkan p\u00e5 <span class=\"wsd_9\">Nor<span class=\"__10 _471\"/>dea<span class=\"ws0_10\">s marginaler<span class=\"__10 _d_9\"/>, resulta<span class=\"__10 _d_9\"/>t och eget kapital<span class=\"__10 _c_9\"/>,<span class=\"__10 _469\"> </span></span></span><span class=\"wsd_9\"><span class=\"ws0_10\"> </span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 wsd_9\" style=\"left:364.7211px; bottom:410.5772px;\">anv\u00e4nder <span class=\"__10 _471\"/>Nordea<span class=\"ws0_10\"> s\u00e4kringsinstrumen<span class=\"__10 _d_9\"/>t f\u00f6r att byta r<span class=\"__10 _d_9\"/>\u00e4ntefl\u00f6den<span class=\"__10 _469\"> </span></span><span class=\"ws0_10\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:364.7211px; bottom:397.05203px;\">till antingen f<span class=\"__10 _d_9\"/>asta eller r\u00f6rliga r\u00e4nt<span class=\"__10 _d_9\"/>or.</div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:377.61646px; bottom:383.52682px;\"> De riskkomponent<span class=\"__10 _471\"/>er i s\u00e4krade post<span class=\"__10 _471\"/>er som koncernen har<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:364.7211px; bottom:370.00162px;\">identi\ufb01er<span class=\"__10 _471\"/>at \u00e4r:<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:356.4764px;\">\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Ref<span class=\"__10 _d_9\"/>erensr\u00e4nterisk som en del a<span class=\"__10 _d_9\"/>v r\u00e4nterisken, det vill s\u00e4ga<span class=\"__10 _469\"> </span></span><span class=\"wsa_9\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 wsa_9\" style=\"left:377.61646px; bottom:342.95123px;\">interbankr<span class=\"__10 _d_9\"/>\u00e4ntor (IBOR) som \u00e4v<span class=\"__10 _d_9\"/>en innefattar ny<span class=\"__10 _471\"/>a alternativ<span class=\"__10 _d_9\"/>a<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 wsa_9\" style=\"left:377.61646px; bottom:329.42603px;\">ref<span class=\"__10 _471\"/>erensr\u00e4n<span class=\"__10 _d_9\"/>tor s\u00e5som SOFR, ESTR eller SONIA. Anv\u00e4ndning<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 wsa_9\" style=\"left:377.61646px; bottom:315.90082px;\">av r<span class=\"__10 _471\"/>efer<span class=\"__10 _d_9\"/>ensr\u00e4nterisken kan inneb\u00e4r<span class=\"__10 _471\"/>a att andra risk<span class=\"__10 _471\"/>er<span class=\"__10 _d_9\"/>, till<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 wsa_9\" style=\"left:377.61646px; bottom:302.3756px;\">ex<span class=\"__10 _d_9\"/>empel kreditrisk och likviditetsrisk, undantas fr\u00e5n<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:377.61646px; bottom:288.85043px;\">s\u00e4kringsf\u00f6rh\u00e5llandet.<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:275.32523px;\">\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Delar av kassa<span class=\"__10 _d_9\"/>fl\u00f6den fr\u00e5n s\u00e4krade poster<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:248.26376px;\">Ref<span class=\"__10 _d_9\"/>erensr\u00e4ntan f<span class=\"__10 _d_9\"/>astst\u00e4lls som en f\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndring i nuv\u00e4rdet av det<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:234.73856px;\">fram<span class=\"__10 _d_9\"/>tida kassafl\u00f6det<span class=\"__10 _c_9\"/>, ber\u00e4knad med hj\u00e4lp a<span class=\"__10 _d_9\"/>v referensr<span class=\"__10 _471\"/>\u00e4ntans<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:221.21336px;\">diskont<span class=\"__10 _471\"/>eringskurvor<span class=\"__10 _d_9\"/>. Ref<span class=\"__10 _d_9\"/>erensr\u00e4ntan kan iden<span class=\"__10 _d_9\"/>ti\ufb01eras separat<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:207.68817px;\">och v\u00e4rder<span class=\"__10 _471\"/>as p\u00e5 ett tillf\u00f6rlitligt s\u00e4<span class=\"__10 _d_9\"/>tt<span class=\"__10 _c_9\"/>, och den utg\u00f6r normalt<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:194.16296px;\">den st\u00f6rsta delen a<span class=\"__10 _d_9\"/>v f\u00f6r\u00e4ndringen i v<span class=\"__10 _471\"/>erkligt v\u00e4rde eller<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:180.63777px;\">kassafl\u00f6de.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 he_9 ff2_10 fs4_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:153.43462px;\">S\u00e4kring av v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde<span class=\"ff4_9\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:139.90552px;\">Nordea anv<span class=\"__10 _471\"/>\u00e4nder sig av r<span class=\"__10 _d_9\"/>\u00e4nte- och valutar<span class=\"__10 _471\"/>\u00e4nte<span class=\"__10 _471\"/>swappar f<span class=\"__10 _d_9\"/>\u00f6r att<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:126.380325px;\">minska eller eliminera f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i verkligt v\u00e4rde p\u00e5 den<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:112.85512px;\">s\u00e4krade post<span class=\"__10 _471\"/>en till f\u00f6ljd a<span class=\"__10 _d_9\"/>v r\u00e4nterisk.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:377.61646px; bottom:99.32992px;\">S\u00e4krade post<span class=\"__10 _471\"/>er utg\u00f6rs av tillg\u00e5ngar och sk<span class=\"__10 _d_9\"/>ulder med fast<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:85.80472px;\">r\u00e4n<span class=\"__10 _471\"/>ta i b\u00e5de lokal och utl\u00e4ndsk valut<span class=\"__10 _471\"/>a, till ex<span class=\"__10 _d_9\"/>empel l\u00e5n, skuld-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hd_9 ff4_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:986.27924px;\">K3.6  S\u00e4kringsredovisning, forts.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h1_10 ff1_10 fs0_10 fc0_10 sc0_10 ls0_10 ws0_10\" style=\"left:656.3909px; bottom:2.1012287px;\">139<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h2_10 ff2_10 fs1_9 fc0_10 sc0_10 ls0_10 ws1_10\" style=\"left:497.5244px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h3_9 ff2_10 fs1_9 fc0_10 sc0_10 ls1_10 ws2_9\" style=\"left:4.2144775px; bottom:1029.1447px;\">Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:951.6515px;\">instrument v<span class=\"__10 _d_9\"/>\u00e4rderade till verkligt v\u00e4rde via \u00f6<span class=\"__10 _d_9\"/>vrigt totalresul-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:938.12634px;\">tat, inl\u00e5ning och emitterade v\u00e4r<span class=\"__10 _d_9\"/>depapper.<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:12.908623px; bottom:924.60114px;\">S\u00e4kringsinstrument ut<span class=\"__10 _d_9\"/>g\u00f6r<span class=\"__10 _c_9\"/>s av r<span class=\"__10 _d_9\"/>\u00e4nte- och valutar<span class=\"__10 _471\"/>\u00e4ntes<span class=\"__10 _471\"/>wap-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:911.0759px;\">par (den del som a<span class=\"__10 _d_9\"/>vser r\u00e4nterisk klassi\ufb01cer<span class=\"__10 _d_9\"/>as som s\u00e4kring av<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:897.5507px;\">verkligt v\u00e4r<span class=\"__10 _471\"/>de).<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:12.908623px; bottom:884.0255px;\">Nordea till\u00e4mpar s\u00e4kring a<span class=\"__10 _471\"/>v verkligt v\u00e4r<span class=\"__10 _d_9\"/>de p\u00e5 b\u00e5de mikro<span class=\"__10 _c_9\"/>-<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:870.5003px;\">och makroniv\u00e5. P<span class=\"__10 _d_9\"/>\u00e5 mikroniv\u00e5 g\u00f6rs r\u00e4nte<span class=\"__10 _471\"/>s\u00e4kring av dels sk<span class=\"__10 _d_9\"/>uld-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:856.9751px;\">instrument med f<span class=\"__10 _d_9\"/>ast r\u00e4nt<span class=\"__10 _471\"/>a v\u00e4rder<span class=\"__10 _471\"/>ade till verkligt v\u00e4r<span class=\"__10 _471\"/>de via<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:843.4499px;\">\u00f6vrigt tot<span class=\"__10 _471\"/>alresulta<span class=\"__10 _d_9\"/>t<span class=\"__10 _c_9\"/>, dels emitterade v\u00e4rdepapper med f<span class=\"__10 _d_9\"/>ast<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:829.92474px;\">r\u00e4n<span class=\"__10 _471\"/>ta. P\u00e5 makr<span class=\"__10 _471\"/>oniv\u00e5 g\u00f6rs risks\u00e4kring a<span class=\"__10 _471\"/>v ut- och inl\u00e5ning, d\u00e4r<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:816.39954px;\">l\u00e5n med fas<span class=\"__10 _471\"/>t r\u00e4n<span class=\"__10 _471\"/>ta och tidsbunden inl\u00e5ning inledningsvis kvit-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:802.8743px;\">tas mot var<span class=\"__10 _d_9\"/>andra och den \u00e5terst\u00e5ende e<span class=\"__10 _471\"/>xponeringen (netto-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:789.3491px;\">tillg\u00e5ng eller nettoskuld) risks\u00e4kr<span class=\"__10 _471\"/>as med en portf\u00f6lj a<span class=\"__10 _d_9\"/>v r\u00e4nte-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:775.8239px;\">swappar f<span class=\"__10 _d_9\"/>\u00f6r en viss l\u00f6ptid.<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:12.908623px; bottom:762.2987px;\">Vid test a<span class=\"__10 _d_9\"/><span class=\"__10 _469\">v s\u00e4kringens effektivit</span><span class=\"__10 _471\"/>et anv\u00e4nder sig Nor<span class=\"__10 _471\"/>dea<span class=\"ls1a_7 ws10_9\"> av<span class=\"__10 _469\"> </span></span><span class=\"ls1a_7 ws10_9\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:748.7735px;\">b\u00e5de matchning a<span class=\"__10 _d_9\"/><span class=\"__10 _469\">v kritiska villkor (f\u00f6r eff</span><span class=\"__10 _d_9\"/>ektivitetstes<span class=\"__10 _471\"/>t p\u00e5 f\u00f6r-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:735.2483px;\">hand) och regressionsanal<span class=\"__10 _d_9\"/><span class=\"__10 _469\">ys (f\u00f6r effek</span><span class=\"__10 _d_9\"/>tivitetstest i efterhand).<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:951.71783px;\">Vid bed\u00f6mning i efterhand a<span class=\"__10 _471\"/><span class=\"__10 _469\">v s\u00e4kringens effek</span><span class=\"__10 _d_9\"/>tivitet v\u00e4rderar<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:938.1926px;\">Nordea s\u00e4kringsinstrumen<span class=\"__10 _d_9\"/>tet till verkligt v\u00e4rde och j\u00e4mf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:924.6674px;\">f\u00f6r<span class=\"__10 _471\"/>\u00e4ndringen av dett<span class=\"__10 _471\"/>a v\u00e4rde med f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringen av verkligt<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:911.1422px;\">v\u00e4rde p\u00e5 den s\u00e4kr<span class=\"__10 _471\"/>ade posten. M\u00e4<span class=\"__10 _471\"/><span class=\"__10 _469\">tning av eff</span><span class=\"__10 _d_9\"/>ektiviteten g\u00f6rs<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:897.617px;\">p\u00e5 kumulativ basis.<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:333.50708px; bottom:884.0918px;\"><span class=\"__10 _469\">Ineffek</span><span class=\"__10 _d_9\"/>tiva s\u00e4kringar kan bero p\u00e5:<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:870.5666px;\">\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">skillnader i tidpunkten f<span class=\"__10 _d_9\"/>\u00f6r kassafl\u00f6den fr\u00e5n den s\u00e4kr<span class=\"__10 _471\"/>ade<span class=\"__10 _469\"> </span></span><span class=\"wsa_9\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 wsa_9\" style=\"left:333.50708px; bottom:857.04144px;\">posten och s\u00e4kringsinstrumen<span class=\"__10 _d_9\"/>tet<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:843.51624px;\">\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">anv\u00e4ndning a<span class=\"__10 _d_9\"/>v olika r\u00e4ntek<span class=\"__10 _471\"/>urvor f\u00f6r disk<span class=\"__10 _471\"/>ontering a<span class=\"__10 _d_9\"/>v den<span class=\"__10 _469\"> </span></span><span class=\"wsa_9\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 wsa_9\" style=\"left:333.50708px; bottom:829.991px;\">s\u00e4krade post<span class=\"__10 _471\"/>en och s\u00e4kringsinstrument<span class=\"__10 _d_9\"/>et<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:816.4658px;\">\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\"><span class=\"__10 _469\">effek</span><span class=\"__10 _d_9\"/>ten av f<span class=\"__10 _471\"/>\u00f6r\u00e4ndringar i <span class=\"ws0_10\">Nordea</span>s eller en mo<span class=\"__10 _d_9\"/>tpar<span class=\"__10 _c_9\"/>tskredi<span class=\"ws0_10\">-<span class=\"__10 _469\"> </span></span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 wsa_9\" style=\"left:333.50708px; bottom:802.9406px;\">trisk p\u00e5 s\u00e4kringsinstrument<span class=\"__10 _d_9\"/>ets verkliga v\u00e4rde<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:789.4154px;\">\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">skillnader i f\u00f6rv\u00e4n<span class=\"__10 _d_9\"/>tad och faktisk f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>tidsinl\u00f6sen av<span class=\"__10 _469\"> </span></span><span class=\"wsa_9\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:333.50708px; bottom:775.8902px;\">l\u00e5neportf\u00f6ljen.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:748.8288px;\">T<span class=\"__10 _479\"/>abellen nedan visar ackumulerade justeringar a<span class=\"__10 _d_9\"/>v verkligt<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:735.3036px;\">v\u00e4rde f<span class=\"__10 _471\"/>r\u00e5n f<span class=\"__10 _471\"/>ortl\u00f6pande och avslutade s\u00e4kringsf<span class=\"__10 _d_9\"/>\u00f6rh\u00e5llanden.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h8_9 ff1_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:693.8108px;\">S\u00e4krade poster<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:323.05756px; bottom:677.9017px;\">R\u00e4nterisk 2022<span class=\"__10 _475\"> </span>R\u00e4nterisk 2021<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:643.7065px;\">Mn euro<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:273.1928px; bottom:653.4565px;\">Redovisat v<span class=\"__10 _d_9\"/>\u00e4rde f\u00f6r<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:275.19324px; bottom:643.7065px;\"><span class=\"__10 _469\">s\u00e4krade tillg\u00e5ngar1<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:362.9305px; bottom:663.2065px;\">vara<span class=\"__10 _d_9\"/>v ackumulerade<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:356.99185px; bottom:653.4565px;\">justeringar av s\u00e4kring<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:365.68442px; bottom:643.7065px;\">av verkligt v<span class=\"__10 _471\"/>\u00e4rde<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hf_9 ff1_10 fs8_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:429.48102px; bottom:645.65753px;\">2, 3<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:457.22327px; bottom:653.4575px;\">Redovisat v<span class=\"__10 _d_9\"/>\u00e4rde f\u00f6r<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:460.1333px; bottom:643.7075px;\"><span class=\"__10 _469\">s\u00e4krade tillg\u00e5ngar1<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:546.25244px; bottom:663.2075px;\">vara<span class=\"__10 _d_9\"/>v ackumulerade<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:541.07587px; bottom:653.4575px;\">justeringar av s\u00e4kring<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:550.1551px; bottom:643.7075px;\">av verkligt v<span class=\"__10 _471\"/>\u00e4rde<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hf_9 ff1_10 fs8_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:612.86444px; bottom:645.65753px;\">2, 3<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:626.5644px;\">S\u00e4kring av v<span class=\"__10 _471\"/>erkligt v\u00e4rde \u2013 mikroniv<span class=\"__10 _471\"/>\u00e5<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:610.8942px;\">R\u00e4nteb\u00e4r<span class=\"__10 _471\"/><span class=\"__10 _469\">ande v\u00e4rdepapper1</span><span class=\"__10 _592\"> </span>15 893<span class=\"__10 _593\"> </span>\u2013<span class=\"__10 _594\"> </span>14 732<span class=\"__10 _593\"> </span>\u2013<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:595.224px;\">Tillg\u00e5ngar<span class=\"__10 _595\"> </span>15 893<span class=\"__10 _593\"> </span><span class=\"ff2_10\">\u2013<span class=\"__10 _b5_3\"> </span></span>14 732<span class=\"__10 _593\"> </span><span class=\"ff2_10\">\u2013<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:579.55383px;\">Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper<span class=\"__10 _a3_2\"> </span>61 063<span class=\"__10 _b5_3\"> </span>-3 998<span class=\"__10 _560\"> </span>62 166<span class=\"__10 _e1_2\"> </span><span class=\"ls4_9 ws7_9\">57<span class=\"__10 _c_9\"/>3<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:563.8836px;\">Efterst\u00e4llda sk<span class=\"__10 _471\"/>ulder<span class=\"__10 _596\"> </span>4 861<span class=\"__10 _8b_2\"> </span>-504<span class=\"__10 _576\"> </span>5 714<span class=\"__10 _597\"> </span>131<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:548.21344px;\">Skulder<span class=\"__10 _598\"> </span>65 924<span class=\"__10 _560\"> </span>-4 502<span class=\"__10 _554\"> </span>67 880<span class=\"__10 _599\"> </span>704<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:323.05756px; bottom:515.0997px;\">R\u00e4nterisk 2022<span class=\"__10 _475\"> </span>R\u00e4nterisk 2021<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:480.90448px;\">Mn euro<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:273.1928px; bottom:490.65448px;\">Redovisat v<span class=\"__10 _d_9\"/>\u00e4rde f\u00f6r<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:275.19324px; bottom:480.90448px;\"><span class=\"__10 _469\">s\u00e4krade tillg\u00e5ngar1<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:362.9305px; bottom:500.40448px;\">vara<span class=\"__10 _d_9\"/>v ackumulerade<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:356.99185px; bottom:490.65448px;\">justeringar av s\u00e4kring<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:365.68442px; bottom:480.90448px;\">av verkligt v<span class=\"__10 _471\"/>\u00e4rde<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hf_9 ff1_10 fs8_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:429.48102px; bottom:482.85553px;\">2, 3<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:457.22327px; bottom:490.65552px;\">Redovisat v<span class=\"__10 _d_9\"/>\u00e4rde f\u00f6r<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:460.1333px; bottom:480.90552px;\"><span class=\"__10 _469\">s\u00e4krade tillg\u00e5ngar1<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:546.25244px; bottom:500.40552px;\">vara<span class=\"__10 _d_9\"/>v ackumulerade<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:541.07587px; bottom:490.65552px;\">justeringar av s\u00e4kring<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:550.1551px; bottom:480.90552px;\">av verkligt v<span class=\"__10 _471\"/>\u00e4rde<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hf_9 ff1_10 fs8_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:612.86444px; bottom:482.85553px;\">2, 3<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:463.76242px;\">S\u00e4kring av v<span class=\"__10 _471\"/>erkligt v\u00e4rde \u2013 makroniv<span class=\"__10 _471\"/>\u00e5<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:448.09222px;\">Utl\u00e5ning till allm\u00e4nheten<span class=\"__10 _12a_1\"> </span>67 112<span class=\"__10 _593\"> </span>\u2013<span class=\"__10 _594\"> </span>94 177<span class=\"__10 _593\"> </span>\u2013<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:432.42203px;\">Tillg\u00e5ngar<span class=\"__10 _12b_1\"> </span>67 112<span class=\"__10 _a1_2\"> </span>-2 116<span class=\"__10 _560\"> </span>94 177<span class=\"__10 _12c_1\"> </span>-65<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:416.75183px;\">Skulder till kreditinstitut<span class=\"__10 _12d_1\"> </span>4 129<span class=\"__10 _593\"> </span>\u2013<span class=\"__10 _593\"> </span>\u2013<span class=\"__10 _593\"> </span>\u2013<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:401.08163px;\">In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__10 _12e_1\"> </span>27 426<span class=\"__10 _593\"> </span>\u2013<span class=\"__10 _b5_3\"> </span>18 109<span class=\"__10 _593\"> </span>\u2013<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:385.41144px;\">Skulder<span class=\"__10 _12f_1\"> </span>31 555<span class=\"__10 _a1_2\"> </span>-2 175<span class=\"__10 _bb_3\"> </span>18 109<span class=\"__10 _12c_1\"> </span>101<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:366.4958px;\">1) Den h\u00e4r posten innefa<span class=\"__10 _d_9\"/>ttar \u201dPantsatta \ufb01nansiella instrumen<span class=\"__10 _471\"/>t\u201d.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:354.89172px;\">2) Ackumuler<span class=\"__10 _d_9\"/>ade justeringar av verkligt v\u00e4rde f<span class=\"__10 _d_9\"/>\u00f6r makros\u00e4kringar redovisas under balansposten \u201dF\u00f6r<span class=\"__10 _471\"/>\u00e4ndring av verkligt v<span class=\"__10 _471\"/>\u00e4rde f\u00f6r r<span class=\"__10 _471\"/>\u00e4ntes\u00e4krade pos<span class=\"__10 _471\"/>ter i s\u00e4kringsportf\u00f6ljer\u201d<span class=\"__10 _471\"/>.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:343.28766px;\">3) V<span class=\"__10 _d_9\"/><span class=\"__10 _469\">arav 53 mn euro (63 mn euro) a</span><span class=\"__10 _d_9\"/>vser avslutade s\u00e4kringar av r\u00e4n<span class=\"__10 _d_9\"/>terisk<span class=\"__10 _c_9\"/>.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hd_9 ff4_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:986.27924px;\">K3.6  S\u00e4kringsredovisning, forts.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:303.0845px;\">T<span class=\"__10 _479\"/>abellen nedan inneh\u00e5ller upplysningar om<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:289.5593px;\">s\u00e4kringsinstrument.  <span class=\"__10 _498\"> </span> </div><div class=\"t_10 m0_10 h8_9 ff1_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:263.02826px;\">S\u00e4kringsinstrument<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:176.38115px; bottom:246.03882px;\">V<span class=\"__10 _471\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:264.2562px; bottom:240.36041px;\">Nominellt<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:275.19324px; bottom:230.61041px;\">belopp<span class=\"__10 _600\"/>31 dec 2022, mn euro<span class=\"__10 _e4_2\"> </span>Positivt<span class=\"__10 _6f_2\"> </span>Negativt<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:211.99052px;\">S\u00e4kring av v<span class=\"__10 _471\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:195.58322px;\">R\u00e4nterisk<span class=\"__10 _475\"> </span>4 899<span class=\"__10 _520\"> </span><span class=\"ls4_9 ws7_9\">7 514<span class=\"__10 _6c_2\"> </span></span>190 844<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:176.38115px; bottom:158.08914px;\">V<span class=\"__10 _471\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:264.2562px; bottom:152.41074px;\">Nominellt<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:275.19324px; bottom:142.66074px;\">belopp<span class=\"__10 _600\"/>31 dec 2021, mn euro<span class=\"__10 _e0_2\"> </span>Positivt<span class=\"__10 _6f_2\"> </span>Nega<span class=\"__10 _471\"/>tivt<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:124.04097px;\">S\u00e4kring av v<span class=\"__10 _471\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:107.63367px;\">R\u00e4nterisk<span class=\"__10 _601\"> </span>1 77<span class=\"__10 _c_9\"/>2<span class=\"__10 _483\"> </span>1 062<span class=\"__10 _6c_2\"> </span>259 4<span class=\"__10 _c_9\"/>26<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:303.0845px;\">T<span class=\"__10 _479\"/>abellen nedan visar de f\u00f6r\u00e4ndringar i v<span class=\"__10 _471\"/>erkligt v\u00e4rde f<span class=\"__10 _d_9\"/>\u00f6r s\u00e4k-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:289.5593px;\">ringsinstrument r<span class=\"__10 _d_9\"/>espektive s\u00e4krade pos<span class=\"__10 _471\"/>ter som anv<span class=\"__10 _471\"/>\u00e4nds f\u00f6r<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:276.03412px;\">redovisning a<span class=\"__10 _d_9\"/><span class=\"__10 _469\">v s\u00e4kringsineffektivit</span><span class=\"__10 _471\"/>et. Dessa f\u00f6r\u00e4ndringar<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:262.5089px;\">redovisas i re<span class=\"__10 _471\"/>sultatr<span class=\"__10 _d_9\"/>\u00e4kningen under posten \u201dNettoresulta<span class=\"__10 _471\"/>t av<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:248.9837px;\">poster till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde\u201d<span class=\"__10 _d_9\"/>.  <span class=\"__10 _602\"> </span> </div><div class=\"t_10 m0_10 h8_9 ff1_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:222.45265px;\"><span class=\"__10 _469\">S\u00e4kringens ineffek</span><span class=\"__10 _d_9\"/>tivitet<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:564.1745px; bottom:206.64192px;\">R\u00e4nterisk<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:325.77078px; bottom:191.21353px;\">Mn euro<span class=\"__10 _603\"> </span>2022<span class=\"__10 _538\"> </span>2021<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:325.77078px; bottom:174.8048px;\">S\u00e4kring av v<span class=\"__10 _471\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:325.77078px; bottom:158.39749px;\">F\u00f6r\u00e4ndringar i v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde f\u00f6r<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:325.77078px; bottom:147.3501px;\">s\u00e4kringsinstrument<span class=\"__10 _604\"> </span>-4 492<span class=\"__10 _3c_4\"> </span>-1 189<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:325.77078px; bottom:130.9428px;\">F\u00f6r\u00e4ndringar i v<span class=\"__10 _d_9\"/>\u00e4rde f\u00f6r s\u00e4krade poster som<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:325.77078px; bottom:119.8954px;\">anv\u00e4nds f<span class=\"__10 _d_9\"/>\u00f6r redovisning av s\u00e4kringsineffek<span class=\"__10 _d_9\"/>tivitet<span class=\"__10 _be_3\"> </span>4 522<span class=\"__10 _9f_2\"> </span> 1 162<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:325.77078px; bottom:103.4881px;\">S\u00e4kringsineffek<span class=\"__10 _d_9\"/>tivitet redovisad i<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:325.77078px; bottom:92.4407px;\">resultatr<span class=\"__10 _d_9\"/><span class=\"__10 _469\">\u00e4kningen1<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h10_8 ff2_10 fs9_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:400.40833px; bottom:94.71141px;\">,<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:401.71417px; bottom:92.43641px;\"><span class=\"__10 _469\">2</span><span class=\"__10 _495\"> </span>30<span class=\"__10 _9b_2\"> </span><span class=\"ls3_9 ws6_9\">-27<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:325.77078px; bottom:71.30426px;\">1)   <span class=\"__10 _2b_4\"/>Redovisat under posten \u201dNettor<span class=\"__10 _471\"/>esultat a<span class=\"__10 _d_9\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:325.77078px; bottom:59.700195px;\">2)   <span class=\"__10 _2b_4\"/><span class=\"__10 _469\">Vid upplysning av s\u00e4kringens eff</span><span class=\"__10 _471\"/>ektivitet, har v\u00e4rdejust<span class=\"__10 _471\"/>eringar (CV<span class=\"__10 _d_9\"/>A, DV<span class=\"__10 _471\"/>A och FFV<span class=\"__10 _d_9\"/>A)<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:335.35178px; bottom:50.86332px;\">inte beak<span class=\"__10 _471\"/>tats eftersom de int<span class=\"__10 _471\"/>e \u00e4r v\u00e4sentliga.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h1_10 ff1_10 fs0_10 fc0_10 sc0_10 ls4_9 ws7_9\" style=\"left:0.01052475px; bottom:2.1012287px;\">140<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h2_10 ff2_10 fs1_9 fc0_10 sc0_10 ls0_10 ws1_10\" style=\"left:44.122643px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h3_9 ff2_10 fs1_9 fc0_10 sc0_10 ls1_10 ws2_9\" style=\"left:48.323853px; bottom:1029.1447px;\">Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span></div><div class=\"t_10 m0_10 hd_9 ff4_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:986.27924px;\">K3.6  S\u00e4kringsredovisning, forts.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:951.6515px;\"><span class=\"__10 _469\">K\u00e4llor till ineff</span><span class=\"__10 _d_9\"/>ektivitet kan ex<span class=\"__10 _d_9\"/>empelvis vara bris<span class=\"__10 _471\"/>tande \u00f6ve-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:938.12634px;\">rensst\u00e4mmelse mellan jus<span class=\"__10 _d_9\"/>teringsintervallen f\u00f6r s<span class=\"__10 _471\"/>wappen res-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:924.60114px;\">pektiv<span class=\"__10 _471\"/>e ref<span class=\"__10 _471\"/>erensr\u00e4n<span class=\"__10 _d_9\"/>tan och det verkliga v\u00e4rdet p\u00e5 swappens<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:911.0759px;\">r\u00f6rliga r\u00e4n<span class=\"__10 _d_9\"/>tefl\u00f6de p\u00e5 andra dagar \u00e4n r\u00e4nt<span class=\"__10 _471\"/>ejusteringsdagen.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 he_9 ff2_10 fs4_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:884.00604px;\">Kassafl\u00f6dess\u00e4kringar<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:870.4768px;\">Nordea till\u00e4mpar kassafl\u00f6dess\u00e4kring vid s\u00e4kring a<span class=\"__10 _d_9\"/>v r\u00e4nterisk<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:856.9516px;\"><span class=\"__10 _469\">i utl\u00e5ning och uppl\u00e5ning till r\u00f6rliga r\u00e4n</span><span class=\"__10 _d_9\"/>tor<span class=\"__10 _471\"/>.<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:57.017998px; bottom:843.4264px;\">Nordeas kassafl\u00f6dess\u00e4kring a<span class=\"__10 _d_9\"/>v r\u00e4nterisk a<span class=\"__10 _d_9\"/>vser risken f\u00f6r<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:829.9012px;\">variation i f<span class=\"__10 _471\"/>ram<span class=\"__10 _471\"/>tida r\u00e4n<span class=\"__10 _471\"/>tebetalningar (betalda och erh\u00e5llna)<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:816.376px;\">till f\u00f6ljd a<span class=\"__10 _d_9\"/>v f\u00f6r\u00e4ndringar i ref<span class=\"__10 _d_9\"/>erensr\u00e4nt<span class=\"__10 _471\"/>an f\u00f6r pr<span class=\"__10 _471\"/>ognostiserade<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:802.85077px;\">transak<span class=\"__10 _471\"/><span class=\"__10 _469\">tioner och f\u00f6r r</span><span class=\"__10 _471\"/>edovisade \ufb01nansiella tillg\u00e5ngar och<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:789.32556px;\">skulder<span class=\"__10 _d_9\"/>. Den h\u00e4r variationen i kassa<span class=\"__10 _471\"/>fl\u00f6dena risks\u00e4kras med<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:775.8004px;\">hj\u00e4lp av r<span class=\"__10 _d_9\"/>\u00e4nteswappar och val<span class=\"__10 _471\"/>utar\u00e4n<span class=\"__10 _d_9\"/>teswappar<span class=\"__10 _d_9\"/>, d\u00e4r r\u00e4ntebe-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:762.2752px;\">talningarna byts till f<span class=\"__10 _471\"/>ast r\u00e4n<span class=\"__10 _d_9\"/>ta i enlighet med Nordeas policyer<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:748.75px;\">och riskhanteringss<span class=\"__10 _d_9\"/>trategi som i beskrivs i a<span class=\"__10 _471\"/>vsnittet \u201dMark<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:735.2248px;\">nadsrisk\u201d i not K11 \u201dRisk<span class=\"__10 _471\"/>- och likviditetshant<span class=\"__10 _d_9\"/>ering\u201d<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:57.017998px; bottom:721.6996px;\">Vid m\u00e4tning i efterhand a<span class=\"__10 _d_9\"/><span class=\"__10 _469\">v kassafl\u00f6dess\u00e4kringarnas effek</span><span class=\"__10 _d_9\"/>-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:708.1744px;\">tivitet anv\u00e4nds den h<span class=\"__10 _d_9\"/>ypotetiska derivatmetoden, vilk<span class=\"__10 _471\"/>et inne-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:694.6492px;\">b\u00e4r att f<span class=\"__10 _471\"/>\u00f6r\u00e4ndringen i en perfek<span class=\"__10 _d_9\"/>t hypotetisk swap anse<span class=\"__10 _471\"/>s mot-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:681.12396px;\">svara nuv<span class=\"__10 _d_9\"/>\u00e4rdet av den ackumuler<span class=\"__10 _471\"/>ade f\u00f6r<span class=\"__10 _471\"/>\u00e4ndringen i f\u00f6rv\u00e4n-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:667.5988px;\">tade fram<span class=\"__10 _d_9\"/>tida kassafl\u00f6den fr\u00e5n den s\u00e4krade tr<span class=\"__10 _d_9\"/>ansaktionen.<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:654.0736px;\">Det hypotetisk<span class=\"__10 _471\"/>a derivat<span class=\"__10 _471\"/>et motsvar<span class=\"__10 _d_9\"/>ar egenskaperna hos de<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:640.5484px;\">s\u00e4krade post<span class=\"__10 _471\"/>erna (l\u00e5n med r\u00f6rlig r\u00e4n<span class=\"__10 _d_9\"/>ta), sett till s\u00e4krad volym,<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:627.0232px;\">r\u00e4n<span class=\"__10 _471\"/>tejusteringsdagar och r<span class=\"__10 _d_9\"/>\u00e4ntebetalningsperioder<span class=\"__10 _d_9\"/>. S\u00e4kring-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:613.498px;\"><span class=\"__10 _469\">ens effek</span><span class=\"__10 _d_9\"/>tivitet ber\u00e4knas p\u00e5 kumulativ basis, genom a<span class=\"__10 _471\"/>tt j\u00e4m-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:599.9728px;\">f\u00f6r<span class=\"__10 _471\"/>a f\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndringar i en por<span class=\"__10 _c_9\"/>tf\u00f6lj a<span class=\"__10 _d_9\"/>v r\u00e4ntesw<span class=\"__10 _471\"/>appar (s\u00e4kringsin-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:586.4476px;\">strument) och h<span class=\"__10 _d_9\"/>ypotetiska derivat. F\u00f6r<span class=\"__10 _471\"/>\u00e4ndringar i v\u00e4rderingen<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:572.92236px;\">av s\u00e4kringsins<span class=\"__10 _d_9\"/><span class=\"__10 _469\">trument som ing\u00e5r i effek</span><span class=\"__10 _d_9\"/>tiva s\u00e4kringsf\u00f6rh\u00e5llan-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:559.3972px;\">den redovisas ack<span class=\"__10 _471\"/>umulerat i r<span class=\"__10 _471\"/>eserven f\u00f6r k<span class=\"__10 _471\"/>assafl\u00f6dess\u00e4kring-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:545.872px;\">ar under eget kapital via \u00f6vrigt to<span class=\"__10 _d_9\"/>talresultat.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:57.017998px; bottom:532.3468px;\"><span class=\"__10 _469\">De m\u00f6jliga k\u00e4llorna till ineffek</span><span class=\"__10 _d_9\"/>tivitet i kassafl\u00f6dess\u00e4kringar<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:518.8216px;\">kan normalt var<span class=\"__10 _d_9\"/>a desamma som i s\u00e4kringar av verkligt v\u00e4r<span class=\"__10 _471\"/>de<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:505.2964px;\">(se ovan). F<span class=\"__10 _d_9\"/>\u00f6r kassafl\u00f6dess\u00e4kringar \u00e4r emellertid risken f\u00f6r<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:491.77118px;\">f\u00f6rtidsinl\u00f6sen mindre r<span class=\"__10 _471\"/>elevan<span class=\"__10 _d_9\"/>t<span class=\"__10 _c_9\"/><span class=\"__10 _469\">. H\u00e4r orsakas s\u00e4kringsineffekti-<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:478.246px;\">viteten ist\u00e4ll<span class=\"__10 _471\"/>et av f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i tidpunkten f<span class=\"__10 _d_9\"/>\u00f6r och beloppen<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:464.7208px;\">fr\u00e5n pr<span class=\"__10 _471\"/>ognostiserade f<span class=\"__10 _d_9\"/>ramtida kassafl\u00f6den.<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:57.017998px; bottom:451.1956px;\">T<span class=\"__10 _479\"/>abellerna nedan inneh\u00e5ller upplysningar om s\u00e4kringsin-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:437.67038px;\">strument s<span class=\"__10 _471\"/>om ing\u00e5r i r\u00e4n<span class=\"__10 _471\"/>tes\u00e4kringar<span class=\"__10 _d_9\"/>, inklusive nominellt<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:424.1452px;\">belopp och redovisa<span class=\"__10 _471\"/>t belopp.<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h8_9 ff1_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:397.61414px;\">S\u00e4kringsinstrument<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:220.49052px; bottom:380.95346px;\">V<span class=\"__10 _471\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:308.36557px; bottom:363.92606px;\">Nominellt<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:319.3026px; bottom:354.17606px;\">belopp<span class=\"__10 _600\"/>31 dec 2022, mn euro<span class=\"__10 _e4_2\"> </span>Positivt<span class=\"__10 _6f_2\"> </span>Negativt<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:337.03192px;\">Kassafl\u00f6dess\u00e4kringar<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:319.88754px;\">R\u00e4nterisk<span class=\"__10 _dc_2\"> </span>368<span class=\"__10 _512\"> </span><span class=\"ls1b_7 ws26_7\">42<span class=\"__10 _487\"> </span><span class=\"ls4_9 ws7_9\">4 57<span class=\"__10 _c_9\"/>9<span class=\"__10 _469\"> </span></span></span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:220.49052px; bottom:289.02658px;\">V<span class=\"__10 _471\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:308.36557px; bottom:271.99918px;\">Nominellt<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:319.3026px; bottom:262.24918px;\">belopp<span class=\"__10 _600\"/>31 dec 2021, mn euro<span class=\"__10 _e0_2\"> </span>Positivt<span class=\"__10 _6f_2\"> </span>Nega<span class=\"__10 _471\"/>tivt<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:245.10504px;\">Kassafl\u00f6dess\u00e4kringar<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:227.96063px;\">R\u00e4nterisk<span class=\"__10 _d9_2\"> </span>22<span class=\"__10 _485\"> </span>\u2013<span class=\"__10 _498\"> </span>750<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:951.6515px;\">T<span class=\"__10 _479\"/>abellen nedan visar f\u00f6r\u00e4ndringar a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde f<span class=\"__10 _d_9\"/>\u00f6r s\u00e4k-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:938.12634px;\">ringsinstrument f<span class=\"__10 _d_9\"/>r\u00e5n fortl\u00f6pande s\u00e4kringsf\u00f6rh\u00e5llanden, oa<span class=\"__10 _d_9\"/>v-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:924.60114px;\">sett om det under \u00e5ret har skett n\u00e5gon f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndring av s\u00e4kring-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:911.0759px;\">ens klassi\ufb01cering. I tabellen presen<span class=\"__10 _d_9\"/>teras ocks\u00e5 de f\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndring-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:897.5507px;\">ar i v\u00e4rde f<span class=\"__10 _d_9\"/>\u00f6r s\u00e4krade poster som anv<span class=\"__10 _d_9\"/>\u00e4nds f\u00f6r att m\u00e4ta<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:884.0255px;\"><span class=\"__10 _469\">ineffek</span><span class=\"__10 _d_9\"/>tiviteten i s\u00e4kringar<span class=\"__10 _d_9\"/><span class=\"__10 _469\">, d\u00e4r de effektiv</span><span class=\"__10 _d_9\"/><span class=\"__10 _469\">a och ineffektiv</span><span class=\"__10 _471\"/>a<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:870.5003px;\">delarna visas separat.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h8_9 ff1_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:843.96924px;\"><span class=\"__10 _469\">S\u00e4kringens ineffek</span><span class=\"__10 _d_9\"/>tivitet<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:608.2839px; bottom:827.41376px;\">R\u00e4nterisk<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:369.88016px; bottom:811.2444px;\">Mn euro<span class=\"__10 _603\"> </span>2022<span class=\"__10 _538\"> </span>2021<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:369.88016px; bottom:790.4175px;\">Kassafl\u00f6dess\u00e4kringar<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:369.88016px; bottom:773.2731px;\">F\u00f6r\u00e4ndringar i v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde f\u00f6r<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:369.88016px; bottom:762.22565px;\">s\u00e4kringsinstrument<span class=\"__10 _605\"> </span>-39<span class=\"__10 _508\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:369.88016px; bottom:745.08124px;\">F\u00f6r\u00e4ndringar i v<span class=\"__10 _d_9\"/>\u00e4rde f\u00f6r s\u00e4krade poster som<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:369.88016px; bottom:734.0339px;\">anv\u00e4nds f<span class=\"__10 _d_9\"/>\u00f6r redovisning av s\u00e4kringsineffek<span class=\"__10 _d_9\"/>tivitet<span class=\"__10 _3f_4\"> </span>39<span class=\"__10 _565\"> </span>2<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:369.88016px; bottom:716.88947px;\">S\u00e4kringsineffek<span class=\"__10 _d_9\"/>tivitet redovisad i<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:369.88016px; bottom:705.84204px;\">resultatr<span class=\"__10 _d_9\"/><span class=\"__10 _469\">\u00e4kningen1<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h10_8 ff2_10 fs9_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:444.5177px; bottom:708.11316px;\">,<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:445.82355px; bottom:705.83813px;\"><span class=\"__10 _469\">2</span><span class=\"__10 _563\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:369.88016px; bottom:688.6938px;\">Vinster<span class=\"__10 _d_9\"/>/<span class=\"__10 _c_9\"/>f\u00f6rlus<span class=\"__10 _471\"/>ter fr\u00e5n s\u00e4kringar som r<span class=\"__10 _d_9\"/>edovisats<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:369.88016px; bottom:677.64636px;\">under \u00f6vrigt totalr<span class=\"__10 _471\"/>esultat<span class=\"__10 _11f_3\"> </span>-39<span class=\"__10 _508\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:369.88016px; bottom:656.5129px;\">1)   <span class=\"__10 _2b_4\"/>Redovisat under posten \u201dNettor<span class=\"__10 _471\"/>esultat a<span class=\"__10 _d_9\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:369.88016px; bottom:644.9089px;\">2)   <span class=\"__10 _2b_4\"/><span class=\"__10 _469\">Vid upplysning av s\u00e4kringens ineff</span><span class=\"__10 _471\"/>ektivitet, har v\u00e4rderingsjust<span class=\"__10 _471\"/>eringar<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:379.46115px; bottom:636.0691px;\">(CV<span class=\"__10 _d_9\"/>A, DV<span class=\"__10 _471\"/>A och FFV<span class=\"__10 _d_9\"/>A) inte beak<span class=\"__10 _d_9\"/>tats eftersom de inte \u00e4r v\u00e4sentliga. <span class=\"__10 _498\"> </span> </div><div class=\"t_10 m0_10 h8_9 ff1_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:594.85004px;\">Reserv f<span class=\"__10 _471\"/>\u00f6r kassafl\u00f6dess\u00e4kring<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:612.3009px; bottom:578.31586px;\">R\u00e4nterisk<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:369.88016px; bottom:562.1464px;\">Mn euro<span class=\"__10 _606\"> </span>2022<span class=\"__10 _4a_2\"> </span>2021<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:369.88016px; bottom:545.00464px;\">Balans 1 jan<span class=\"__10 _607\"> </span><span class=\"ff2_10\">4<span class=\"__10 _ca_2\"> </span>12<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:369.88016px; bottom:527.8602px;\">Kassafl\u00f6dess\u00e4kringar:</div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:375.76773px; bottom:510.71582px;\">  V<span class=\"__10 _d_9\"/>\u00e4rdef\u00f6r\u00e4ndringar <span class=\"__10 _608\"> </span>-39<span class=\"__10 _547\"> </span><span class=\"ls3_9 ws6_9\">-2</span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:375.76773px; bottom:493.5714px;\">  Skatt p\u00e5 v\u00e4rde<span class=\"__10 _471\"/>f\u00f6r\u00e4ndringar<span class=\"__10 _566\"> </span>8<span class=\"__10 _a2_2\"> </span>0</div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:375.76773px; bottom:476.42703px;\">  Omklassi\ufb01cerat till r<span class=\"__10 _471\"/>esultatr<span class=\"__10 _471\"/>\u00e4kningen<span class=\"__10 _539\"> </span><span class=\"ls4_9 ws7_9\">-13<span class=\"__10 _be_3\"> </span></span>-8</div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:375.76773px; bottom:459.28262px;\">  Skatt p\u00e5 omklassi\ufb01cera<span class=\"__10 _d_9\"/>t till resultatr\u00e4kningen<span class=\"__10 _c4_2\"> </span>3<span class=\"__10 _508\"> </span>2<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:369.88016px; bottom:442.1382px;\">\u00d6vrigt totalresul<span class=\"__10 _d_9\"/>tat<span class=\"__10 _c_9\"/>, netto efter skatt<span class=\"__10 _489\"> </span>-41<span class=\"__10 _ca_2\"> </span>-8<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:369.88016px; bottom:424.99384px;\">T<span class=\"__10 _479\"/>otalresulta<span class=\"__10 _471\"/>t <span class=\"__10 _9c_3\"> </span>-41<span class=\"__10 _9b_2\"> </span>-8<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:369.88016px; bottom:407.84943px;\">Balans 31 dec<span class=\"__10 _609\"> </span>-37<span class=\"__10 _a2_2\"> </span>4<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:375.76773px; bottom:390.70502px;\">vara<span class=\"__10 _d_9\"/>v fortl\u00f6pande s\u00e4kringar f\u00f6r vilka<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:375.76773px; bottom:379.65762px;\">s\u00e4kringsredovisning till\u00e4mpas<span class=\"__10 _13a_1\"> </span>-37<span class=\"__10 _a2_2\"> </span>4<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:375.76773px; bottom:362.5132px;\">vara<span class=\"__10 _d_9\"/>v s\u00e4kringsf\u00f6rh\u00e5llanden f\u00f6r vilka<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 ha_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:375.76773px; bottom:351.46582px;\">s\u00e4kringsredovisning in<span class=\"__10 _471\"/>te l\u00e4ngre till\u00e4mpas<span class=\"__10 _13b_1\"> </span><span class=\"ff3_9\">\u2013<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _469\"> </span></span></div>141<span class=\"__10 _469\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span>Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span>K3.6  S\u00e4kringsredovisning, forts.<span class=\"__10 _469\"> </span>L\u00f6ptidspro<span class=\"__10 _471\"/>\ufb01l f\u00f6r nominella belopp i s\u00e4kringsinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _469\"> </span>31 dec 2022, mn euro<span class=\"__10 _469\"> </span>Betalbara vid<span class=\"__10 _469\"> </span> anfordr<span class=\"__10 _d_9\"/>an<span class=\"__10 _469\"> </span>H\u00f6gst 3<span class=\"__10 _469\"> </span> m\u00e5nader<span class=\"__10 _c1_2\"> </span>3\u201312 m\u00e5nader<span class=\"__10 _8c_2\"> </span>1\u20135 \u00e5r<span class=\"__10 _568\"> </span>\u00d6ver 5 \u00e5r<span class=\"__10 _483\"> </span>Summa<span class=\"__10 _469\"> </span>Instrument f<span class=\"__10 _d_9\"/>\u00f6r s\u00e4kring av r\u00e4nterisk <span class=\"__10 _13c_1\"> </span>\u2013<span class=\"__10 _8c_2\"> </span>21 025<span class=\"__10 _555\"> </span>42 277<span class=\"__10 _ca_2\"> </span>102 2<span class=\"__10 _c_9\"/>53<span class=\"__10 _483\"> </span>2<span class=\"__10 _c_9\"/>5 794<span class=\"__10 _538\"> </span>191 349<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _13d_1\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>21 025<span class=\"__10 _cf_2\"> </span>42 277<span class=\"__10 _ca_2\"> </span>102 253<span class=\"__10 _483\"> </span>25 794<span class=\"__10 _cc_3\"> </span>191 349<span class=\"__10 _469\"> </span>31 dec 2021, mn euro<span class=\"__10 _469\"> </span>Betalbara vid<span class=\"__10 _469\"> </span> anfordr<span class=\"__10 _d_9\"/>an<span class=\"__10 _469\"> </span>H\u00f6gst 3<span class=\"__10 _469\"> </span> m\u00e5nader<span class=\"__10 _c1_2\"> </span>3\u201312 m\u00e5nader<span class=\"__10 _8c_2\"> </span>1\u20135 \u00e5r<span class=\"__10 _568\"> </span>\u00d6ver 5 \u00e5r<span class=\"__10 _483\"> </span>Summa<span class=\"__10 _469\"> </span>Instrument f<span class=\"__10 _d_9\"/>\u00f6r s\u00e4kring av r\u00e4nterisk <span class=\"__10 _13c_1\"> </span>\u2013<span class=\"__10 _498\"> </span> 34 387<span class=\"__10 _4e_2\"> </span> 49 215<span class=\"__10 _515\"> </span> 130 206<span class=\"__10 _bf_3\"> </span> 46 368<span class=\"__10 _491\"> </span> 260 176<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _13d_1\"> </span>\u2013<span class=\"__10 _498\"> </span> 34 387<span class=\"__10 _cb_2\"> </span> 49 215<span class=\"__10 _514\"> </span> 130 206<span class=\"__10 _cc_3\"> </span> 46 368<span class=\"__10 _2a_4\"> </span> 260 176<span class=\"__10 _469\"> </span>Genomsnittlig r\u00e4n<span class=\"__10 _471\"/>ta f\u00f6r s\u00e4kringsins<span class=\"__10 _d_9\"/>trument<span class=\"__10 _469\"> </span> i r\u00e4n<span class=\"__10 _471\"/>tes\u00e4kringar<span class=\"__10 _469\"> </span>Den genomsnittliga r\u00e4n<span class=\"__10 _471\"/>tan f\u00f6r det f<span class=\"__10 _d_9\"/>asta benet i instrument<span class=\"__10 _469\"> </span> som s\u00e4krar r\u00e4n<span class=\"__10 _d_9\"/>terisk var per 31 december 2022 1,<span class=\"__10 _479\"/><span class=\"__10 _469\">10 procent<span class=\"__10 _469\"> </span></span> (0,37 procen<span class=\"__10 _471\"/>t).<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>alutarisk<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>alutarisk \u00e4r risken att v<span class=\"__10 _471\"/>\u00e4rdet p\u00e5 ett \ufb01nansiellt instrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _469\"> </span> varierar till f<span class=\"__10 _d_9\"/>\u00f6ljd av valutak<span class=\"__10 _d_9\"/>ur<span class=\"__10 _c_9\"/>sf\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndringar.<span class=\"__10 _469\"> </span> V<span class=\"__10 _d_9\"/>alutarisken fr\u00e5n handel begr<span class=\"__10 _d_9\"/>\u00e4nsas med hj\u00e4lp av en V<span class=\"__10 _d_9\"/>aR-<span class=\"__10 _469\"> </span>limit. V<span class=\"__10 _471\"/>alutarisken f<span class=\"__10 _471\"/>r\u00e5n struk<span class=\"__10 _d_9\"/>turella exponeringar (enligt<span class=\"__10 _469\"> </span> beskrivningen nedan) begr\u00e4nsas med hj\u00e4lp a<span class=\"__10 _d_9\"/>v en f\u00f6rlustlimit<span class=\"__10 _469\"> </span> f\u00f6r v<span class=\"__10 _471\"/>alutakursr\u00f6r<span class=\"__10 _471\"/><span class=\"__10 _469\">elsernas eff</span><span class=\"__10 _471\"/>ekt p\u00e5 k\u00e4rnprim\u00e4rkapit<span class=\"__10 _471\"/>alrelatio-<span class=\"__10 _469\"> </span>nen i ett allvarligt men \u00e4nd\u00e5 m\u00f6jligt s<span class=\"__10 _d_9\"/>tresscenario. Se a<span class=\"__10 _471\"/>vsnitt<span class=\"__10 _469\"> </span> 4 \u201dMarknadsrisk\u201d i not K11 \u201dRisk<span class=\"__10 _471\"/>- och likviditetshant<span class=\"__10 _d_9\"/>ering\u201d<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span> Nordeas utl\u00e5ning och uppl\u00e5ning kan var<span class=\"__10 _d_9\"/>a uttr<span class=\"__10 _c_9\"/>yckt i l\u00e5n<span class=\"__10 _d_9\"/>ta-<span class=\"__10 _469\"> </span>garens eller inv<span class=\"__10 _471\"/>ester<span class=\"__10 _471\"/>arens valut<span class=\"__10 _471\"/>a. Uppl\u00e5ning, placeringar och<span class=\"__10 _469\"> </span> utl\u00e5ning g\u00f6rs inte alltid i samma v<span class=\"__10 _d_9\"/>aluta, vilket medf\u00f6r en val<span class=\"__10 _471\"/>u-<span class=\"__10 _469\"> </span>tarisk f\u00f6r Nor<span class=\"__10 _d_9\"/>dea. Skillnader i exponering mot enskilda valu-<span class=\"__10 _469\"> </span>tor som \ufb01nns mellan olika transak<span class=\"__10 _d_9\"/>tioner matchas huvudsakli-<span class=\"__10 _469\"> </span>gen genom att ing\u00e5 valut<span class=\"__10 _471\"/>ar\u00e4n<span class=\"__10 _471\"/>teswappar<span class=\"__10 _479\"/>. V<span class=\"__10 _d_9\"/>alutakomponenten<span class=\"__10 _469\"> </span> hanter<span class=\"__10 _d_9\"/>as som en kassafl\u00f6dess\u00e4kring av val<span class=\"__10 _d_9\"/>utarisk och r\u00e4nte-<span class=\"__10 _469\"> </span>komponent<span class=\"__10 _471\"/>en som en verklig v\u00e4r<span class=\"__10 _d_9\"/>des\u00e4kring av r\u00e4n<span class=\"__10 _471\"/>terisk.<span class=\"__10 _469\"> </span>Dessutom \u00e4r Nordea e<span class=\"__10 _d_9\"/>xponerat f\u00f6r s<span class=\"__10 _471\"/>truktur<span class=\"__10 _471\"/>ell valutarisk<span class=\"__10 _469\"> </span> genom sina utl\u00e4ndska verksamheter som har en annan f<span class=\"__10 _471\"/>unk-<span class=\"__10 _469\"> </span>tionell valuta \u00e4n Nor<span class=\"__10 _471\"/>deas rapporteringsvaluta eur<span class=\"__10 _d_9\"/>o (det vill<span class=\"__10 _469\"> </span> s\u00e4ga omr\u00e4kningsrisk). <span class=\"__10 _471\"/>A<span class=\"__10 _d_9\"/>vistakursr\u00f6relser f<span class=\"__10 _d_9\"/>\u00e5r Nordeas redovi-<span class=\"__10 _469\"> </span>sade nettoinve<span class=\"__10 _471\"/>steringar i utl\u00e4ndska v<span class=\"__10 _471\"/>erksamheter att f<span class=\"__10 _d_9\"/>\u00f6r\u00e4nd-<span class=\"__10 _469\"> </span>ras och k\u00e4rnprim\u00e4rkapitalr<span class=\"__10 _471\"/>elationen att v<span class=\"__10 _d_9\"/>ariera p\u00e5 grund av<span class=\"__10 _469\"> </span> bristande val<span class=\"__10 _471\"/>uta\u00f6ver<span class=\"__10 _d_9\"/>ensst\u00e4mmelse mellan eget kapital och<span class=\"__10 _469\"> </span> riskexponeringsbel<span class=\"__10 _471\"/>opp (REA). Nordea till\u00e4mpar s\u00e4kringsre-<span class=\"__10 _469\"> </span>dovisning vid s\u00e4kring a<span class=\"__10 _d_9\"/>v sina investeringar i full<span class=\"__10 _471\"/>t konsolide-<span class=\"__10 _469\"> </span>rade utl\u00e4ndska verksamhet<span class=\"__10 _471\"/>er som har en annan funk<span class=\"__10 _d_9\"/>tionell<span class=\"__10 _469\"> </span> valuta \u00e4n eur<span class=\"__10 _471\"/>o.<span class=\"__10 _469\"> </span> F\u00f6r s\u00e4kringsf<span class=\"__10 _d_9\"/>\u00f6rh\u00e5llanden g\u00e4llande valutarisk \u00e4r den s\u00e4k-<span class=\"__10 _469\"> </span>rade post<span class=\"__10 _471\"/>en valutakomponen<span class=\"__10 _d_9\"/>ten. S\u00e4kringen uppn\u00e5s genom<span class=\"__10 _469\"> </span> att matcha deriv<span class=\"__10 _d_9\"/>atinstrumentens nominella belopp mo<span class=\"__10 _d_9\"/>t kapi-<span class=\"__10 _469\"> </span>talbeloppet i den s\u00e4krade post<span class=\"__10 _d_9\"/>en.<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>alutakomponent<span class=\"__10 _471\"/>en fas<span class=\"__10 _471\"/>tst\u00e4lls som f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringen i nuv\u00e4rdet<span class=\"__10 _469\"> </span> av f<span class=\"__10 _d_9\"/>ramtida kassafl\u00f6den, ber\u00e4knad med hj\u00e4lp a<span class=\"__10 _d_9\"/>v valutakurvor<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span> V<span class=\"__10 _d_9\"/>alutakomponent<span class=\"__10 _471\"/>en kan identi\ufb01er<span class=\"__10 _d_9\"/>as separat och v\u00e4rder<span class=\"__10 _471\"/>as p\u00e5<span class=\"__10 _469\"> </span> ett tillf\u00f6rlitligt s\u00e4<span class=\"__10 _471\"/>tt, och den utg\u00f6r normalt den st\u00f6rsta delen<span class=\"__10 _469\"> </span> av f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringen i verkligt v\u00e4rde eller k<span class=\"__10 _471\"/>assafl\u00f6de.<span class=\"__10 _469\"> </span>S\u00e4kring av k<span class=\"__10 _471\"/>assafl\u00f6den och nettoinv<span class=\"__10 _d_9\"/>esteringar<span class=\"__10 _469\"> </span> S\u00e4krade post<span class=\"__10 _471\"/>er i kassafl\u00f6dess\u00e4kringar a<span class=\"__10 _d_9\"/>v valutarisk utg\u00f6rs av<span class=\"__10 _469\"> </span> fram<span class=\"__10 _d_9\"/>tida betalningar av r\u00e4n<span class=\"__10 _d_9\"/>ta och det nominella beloppet<span class=\"__10 _469\"> </span> fr\u00e5n (1) emissioner i utl\u00e4ndsk v<span class=\"__10 _471\"/>aluta och (2) koncernin<span class=\"__10 _d_9\"/>terna<span class=\"__10 _469\"> </span> l\u00e5n i utl\u00e4ndsk valuta, d\u00e4r v<span class=\"__10 _471\"/><span class=\"__10 _469\">alutakurseff</span><span class=\"__10 _d_9\"/>ekten int<span class=\"__10 _471\"/>e elimineras<span class=\"__10 _469\"> </span> vid konsolidering. Nordea an<span class=\"__10 _471\"/>v\u00e4nder val<span class=\"__10 _471\"/>utar\u00e4n<span class=\"__10 _471\"/>teswappar<span class=\"__10 _479\"/>,<span class=\"__10 _469\"> </span> b\u00e5de r\u00f6rlig mot r\u00f6rlig och f<span class=\"__10 _d_9\"/>ast mot r\u00f6rlig, d\u00e4r den del som<span class=\"__10 _469\"> </span> avser v<span class=\"__10 _d_9\"/><span class=\"__10 _469\">alutarisk, inklusive valutabasiseff</span><span class=\"__10 _d_9\"/>ekter<span class=\"__10 _d_9\"/>, hanter<span class=\"__10 _471\"/>as som<span class=\"__10 _469\"> </span> en kassafl\u00f6des <span class=\"__10 _558\"/>s\u00e4kring. S\u00e4kringsf\u00f6rh\u00e5llanden skapas p\u00e5<span class=\"__10 _469\"> </span> mikro- eller makroniv\u00e5.<span class=\"__10 _469\"> </span>F\u00f6r s\u00e4kringar a<span class=\"__10 _d_9\"/>v nettoinvest<span class=\"__10 _471\"/>eringar anv\u00e4nder Nor<span class=\"__10 _471\"/>dea korta<span class=\"__10 _469\"> </span> valutasw<span class=\"__10 _d_9\"/>appar som s\u00e4kringsinstrument, och f\u00f6r\u00e4ndringar i<span class=\"__10 _469\"> </span> avis<span class=\"__10 _d_9\"/>takursen anses utg\u00f6ra den s\u00e4krade risken. Ine<span class=\"__10 _471\"/><span class=\"__10 _469\">ffek</span><span class=\"__10 _d_9\"/>tivitet i<span class=\"__10 _469\"> </span> s\u00e4kringen kan uppst\u00e5 om s\u00e4kringsinstrumen<span class=\"__10 _d_9\"/>ten i nominella<span class=\"__10 _469\"> </span> termer t\u00e4cker mer \u00e4n riske<span class=\"__10 _d_9\"/>xponeringen i de utl\u00e4ndska<span class=\"__10 _469\"> </span> verksamheterna.<span class=\"__10 _469\"> </span> T<span class=\"__10 _479\"/>abellerna nedan inneh\u00e5ller upplysningar om s\u00e4kringsin-<span class=\"__10 _469\"> </span>strument s<span class=\"__10 _471\"/>om ing\u00e5r i valutas\u00e4kringar<span class=\"__10 _479\"/>, inklusive s\u00e4kringsinstru<span class=\"ws0_10\">-<span class=\"__10 _469\"> </span></span>mentens nominella och r<span class=\"__10 _471\"/>edovisade belopp.<span class=\"__10 _469\"> </span>S\u00e4kringsinstrument<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt v\u00e4rde Nominellt<span class=\"__10 _469\"> </span> belopp<span class=\"__10 _600\"/>31 dec 2022, mn euro<span class=\"__10 _e4_2\"> </span>Positivt<span class=\"__10 _6f_2\"> </span>Negativt<span class=\"__10 _469\"> </span>Kassafl\u00f6dess\u00e4kringar<span class=\"__10 _469\"> </span> V<span class=\"__10 _d_9\"/>alutarisk<span class=\"__10 _7c_2\"> </span>1 098<span class=\"__10 _508\"> </span>209<span class=\"__10 _1f_6\"> </span>14 159<span class=\"__10 _469\"> </span>S\u00e4kring av nettoin<span class=\"__10 _d_9\"/>vesteringar<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>alutarisk<span class=\"__10 _dc_2\"> </span><span class=\"ls3_9 ws6_9\">241<span class=\"__10 _508\"> </span></span>200<span class=\"__10 _483\"> </span>3 565<span class=\"__10 _469\"> </span>Summa derivat som an<span class=\"__10 _471\"/>v\u00e4nds f\u00f6r<span class=\"__10 _469\"> </span> s\u00e4kringsredovisning<span class=\"__10 _fb_2\"> </span>1 339<span class=\"__10 _496\"> </span>409<span class=\"__10 _5c_2\"> </span><span class=\"ls3_9 ws6_9\">17<span class=\"__10 _c_9\"/> 7<span class=\"__10 _c_9\"/>24<span class=\"__10 _469\"> </span></span>V<span class=\"__10 _471\"/>erkligt v\u00e4rde Nominellt<span class=\"__10 _469\"> </span> belopp<span class=\"__10 _600\"/>31 dec 2021, mn euro<span class=\"__10 _e0_2\"> </span>Positivt<span class=\"__10 _6f_2\"> </span>Nega<span class=\"__10 _471\"/>tivt<span class=\"__10 _469\"> </span>Kassafl\u00f6dess\u00e4kringar<span class=\"__10 _469\"> </span> V<span class=\"__10 _d_9\"/>alutarisk<span class=\"__10 _eb_2\"> </span>459<span class=\"__10 _508\"> </span>503<span class=\"__10 _ac_2\"> </span> 22 007<span class=\"__10 _469\"> </span>S\u00e4kring av nettoin<span class=\"__10 _d_9\"/>vesteringar<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>alutarisk<span class=\"__10 _eb_2\"> </span>260<span class=\"__10 _498\"> </span>188<span class=\"__10 _5a_2\"> </span> 3 7<span class=\"__10 _d_9\"/>49<span class=\"__10 _469\"> </span>Summa derivat som an<span class=\"__10 _471\"/>v\u00e4nds f\u00f6r<span class=\"__10 _469\"> </span> s\u00e4kringsredovisning<span class=\"__10 _588\"> </span>719<span class=\"__10 _498\"> </span>691<span class=\"__10 _9f_2\"> </span> 25 756<span class=\"__10 _469\"> </span>T<span class=\"__10 _479\"/>abellen nedan visar f\u00f6r\u00e4ndringar a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde f<span class=\"__10 _d_9\"/>\u00f6r s\u00e4k-<span class=\"__10 _469\"> </span>ringsinstrument f<span class=\"__10 _d_9\"/>r\u00e5n fortl\u00f6pande s\u00e4kringsf\u00f6rh\u00e5llanden, oa<span class=\"__10 _d_9\"/>v-<span class=\"__10 _469\"> </span>sett om det under \u00e5ret har skett n\u00e5gon f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndring av s\u00e4kring-<span class=\"__10 _469\"> </span>ens klassi\ufb01cering. I tabellen presen<span class=\"__10 _d_9\"/>teras ocks\u00e5 f\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndringar i<span class=\"__10 _469\"> </span> v\u00e4rde p\u00e5 de s\u00e4kr<span class=\"__10 _471\"/>ade poster som an<span class=\"__10 _d_9\"/>v\u00e4nds f\u00f6r att m\u00e4t<span class=\"__10 _471\"/>a s\u00e4k-<span class=\"__10 _469\"> </span><span class=\"__10 _469\">ringarnas ineffek</span><span class=\"__10 _d_9\"/>tivitet<span class=\"__10 _c_9\"/><span class=\"__10 _469\">, d\u00e4r de effek</span><span class=\"__10 _d_9\"/><span class=\"__10 _469\">tiva och ineffek</span><span class=\"__10 _d_9\"/>tiva<span class=\"__10 _469\"> </span> delarna visas separat.<span class=\"__10 _469\"> </span>K3.6  S\u00e4kringsredovisning, forts.<span class=\"__10 _469\"> </span>Genomsnittliga terminskurser f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _469\"> </span>instrumen<span class=\"__10 _471\"/>t som s\u00e4krar v<span class=\"__10 _471\"/>alutarisk<span class=\"__10 _469\"> </span>De genomsnittliga terminskurserna f<span class=\"__10 _d_9\"/>\u00f6r instrument som s\u00e4krar<span class=\"__10 _469\"> </span>valutarisk per 31 december f<span class=\"__10 _d_9\"/>ramg\u00e5r av tabellerna nedan.<span class=\"__10 _469\"> </span>31 dec 2022<span class=\"__10 _497\"> </span>NOK<span class=\"__10 _547\"> </span>SEK<span class=\"__10 _be_3\"> </span>USD<span class=\"__10 _ca_2\"> </span>RUB<span class=\"__10 _469\"> </span>EUR<span class=\"__10 _13e_1\"> </span>10,37<span class=\"__10 _bf_3\"> </span>10,32<span class=\"__10 _ca_2\"> </span>1,06<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _469\"> </span>31 dec 2021<span class=\"__10 _13f_1\"> </span>NOK<span class=\"__10 _547\"> </span>SEK<span class=\"__10 _be_3\"> </span>USD<span class=\"__10 _ca_2\"> </span>RUB<span class=\"__10 _469\"> </span>EUR<span class=\"__10 _610\"> </span>10,<span class=\"__10 _d_9\"/>17<span class=\"__10 _5a_2\"> </span>10,1<span class=\"__10 _471\"/>4<span class=\"__10 _b2_3\"> </span><span class=\"ls1c_7 ws27_7\">1<span class=\"__10 _c_9\"/>,1<span class=\"__10 _c_9\"/>7<span class=\"__10 _1f_6\"> </span></span>83,90<span class=\"__10 _469\"> </span>L\u00f6ptidspro<span class=\"__10 _471\"/>\ufb01l f\u00f6r nominella belopp i s\u00e4kringsinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _469\"> </span>31 dec 2022, mn euro<span class=\"__10 _469\"> </span>Betalbara vid<span class=\"__10 _469\"> </span>anfordr<span class=\"__10 _d_9\"/>an<span class=\"__10 _469\"> </span>H\u00f6gst 3<span class=\"__10 _469\"> </span>m\u00e5nader<span class=\"__10 _469\"> </span>3\u201312<span class=\"__10 _469\"> </span>m\u00e5nader<span class=\"__10 _611\"> </span>1\u20135 \u00e5r<span class=\"__10 _1f_6\"> </span>\u00d6ver 5 \u00e5r<span class=\"__10 _7d_3\"> </span><span class=\"ls1d_7 ws28_7\">To<span class=\"__10 _1d_6\"/>t<span class=\"__10 _1d_6\"/>a<span class=\"__10 _1d_6\"/>l<span class=\"__10 _1d_6\"/>t<span class=\"__10 _469\"> </span></span>Instrument f<span class=\"__10 _d_9\"/>\u00f6r s\u00e4kring av valutarisk<span class=\"__10 _492\"> </span>\u2013<span class=\"__10 _d1_2\"> </span>1 013<span class=\"__10 _537\"> </span><span class=\"ls10_8 ws17_8\">2 797<span class=\"__10 _547\"> </span></span>15 94<span class=\"__10 _c_9\"/>3<span class=\"__10 _494\"> </span>2 045<span class=\"__10 _5e_2\"> </span>21 798<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _612\"> </span>\u2013<span class=\"__10 _494\"> </span>1 013<span class=\"__10 _d1_2\"> </span><span class=\"ls18_8 ws20_7\">2 7<span class=\"__10 _c_9\"/>97<span class=\"__10 _ca_2\"> </span></span>15 943<span class=\"__10 _494\"> </span>2 045<span class=\"__10 _7b_2\"> </span>21 798<span class=\"__10 _469\"> </span>31 dec 2021, mn euro<span class=\"__10 _469\"> </span>Betalbara vid<span class=\"__10 _469\"> </span>anfordr<span class=\"__10 _d_9\"/>an<span class=\"__10 _469\"> </span>H\u00f6gst 3<span class=\"__10 _469\"> </span>m\u00e5nader<span class=\"__10 _469\"> </span>3\u201312<span class=\"__10 _469\"> </span>m\u00e5nader<span class=\"__10 _611\"> </span>1\u20135 \u00e5r<span class=\"__10 _1f_6\"> </span>\u00d6ver 5 \u00e5r<span class=\"__10 _7d_3\"> </span><span class=\"ls1d_7 ws28_7\">To<span class=\"__10 _1d_6\"/>t<span class=\"__10 _1d_6\"/>a<span class=\"__10 _1d_6\"/>l<span class=\"__10 _1d_6\"/>t<span class=\"__10 _469\"> </span></span>Instrument f<span class=\"__10 _d_9\"/>\u00f6r s\u00e4kring av valutarisk<span class=\"__10 _492\"> </span>\u2013<span class=\"__10 _b2_3\"> </span> 1 450<span class=\"__10 _a2_2\"> </span> 1 888<span class=\"__10 _ca_2\"> </span> 15 275<span class=\"__10 _498\"> </span><span class=\"ls4_9 ws7_9\"> 7 14<span class=\"__10 _c_9\"/>3<span class=\"__10 _1c_6\"> </span></span> 25 756<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _612\"> </span>\u2013<span class=\"__10 _545\"> </span> 1 450<span class=\"__10 _a2_2\"> </span> 1 888<span class=\"__10 _520\"> </span> 15 275<span class=\"__10 _611\"> </span><span class=\"ls4_9 ws7_9\"> 7 14<span class=\"__10 _c_9\"/>3<span class=\"__10 _3f_4\"> </span></span> 25 756<span class=\"__10 _469\"> </span><span class=\"__10 _469\">S\u00e4kringens ineffek</span><span class=\"__10 _d_9\"/>tivitet<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>alutarisk<span class=\"__10 _469\"> </span>Mn euro<span class=\"__10 _c5_3\"> </span>2022<span class=\"__10 _6f_2\"> </span>2021<span class=\"__10 _469\"> </span>Kassafl\u00f6dess\u00e4kringar<span class=\"__10 _469\"> </span>F\u00f6r\u00e4ndringar i v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde f\u00f6r s\u00e4kringsinstrumen<span class=\"__10 _471\"/>t<span class=\"__10 _bf_3\"> </span>1 382<span class=\"__10 _cc_3\"> </span>45<span class=\"__10 _469\"> </span>F\u00f6r\u00e4ndringar i v<span class=\"__10 _d_9\"/>\u00e4rde f\u00f6r s\u00e4krade poster som an<span class=\"__10 _d_9\"/>v\u00e4nds<span class=\"__10 _469\"> </span>f\u00f6r redo<span class=\"__10 _471\"/>visning av s\u00e4kringsineff<span class=\"__10 _d_9\"/>ektivitet<span class=\"__10 _4c_2\"> </span>-1 368<span class=\"__10 _568\"> </span>-45<span class=\"__10 _469\"> </span>S\u00e4kringsineffek<span class=\"__10 _d_9\"/>tivitet redovisad i resultatr<span class=\"__10 _471\"/><span class=\"__10 _469\">\u00e4kningen1<span class=\"__10 _469\"> </span></span>,<span class=\"__10 _469\"> </span><span class=\"__10 _469\">2</span><span class=\"__10 _518\"> </span><span class=\"ls4_9 ws7_9\">14<span class=\"__10 _9b_2\"> </span></span>\u2013<span class=\"__10 _469\"> </span>Vinster<span class=\"__10 _d_9\"/>/<span class=\"__10 _c_9\"/>f\u00f6rlus<span class=\"__10 _471\"/>ter fr\u00e5n s\u00e4kringar som r<span class=\"__10 _d_9\"/>edovisats under<span class=\"__10 _469\"> </span>\u00f6vrigt totalr<span class=\"__10 _471\"/>esultat<span class=\"__10 _8f_2\"> </span>1 368<span class=\"__10 _bf_3\"> </span>45<span class=\"__10 _469\"> </span>S\u00e4kring av nettoin<span class=\"__10 _d_9\"/>vesteringar<span class=\"__10 _469\"> </span>F\u00f6r\u00e4ndringar i v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde f\u00f6r s\u00e4kringsinstrumen<span class=\"__10 _471\"/>t<span class=\"__10 _545\"> </span>183<span class=\"__10 _483\"> </span><span class=\"ls4_9 ws7_9\">-1<span class=\"__10 _469\"> </span></span>F\u00f6r\u00e4ndringar i v<span class=\"__10 _d_9\"/>\u00e4rde f\u00f6r s\u00e4krade poster som an<span class=\"__10 _d_9\"/>v\u00e4nds<span class=\"__10 _469\"> </span>f\u00f6r redo<span class=\"__10 _471\"/><span class=\"__10 _469\">visning av s\u00e4kringsineff</span><span class=\"__10 _d_9\"/>ektivitet<span class=\"__10 _ee_3\"> </span>-183<span class=\"__10 _547\"> </span>1<span class=\"__10 _469\"> </span>S\u00e4kringsineffek<span class=\"__10 _d_9\"/>tivitet redovisad i resultatr<span class=\"__10 _471\"/><span class=\"__10 _469\">\u00e4kningen1<span class=\"__10 _469\"> </span></span>,<span class=\"__10 _469\"> </span><span class=\"__10 _469\">2</span><span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _520\"> </span>\u2013<span class=\"__10 _469\"> </span>Vinster<span class=\"__10 _d_9\"/>/<span class=\"__10 _c_9\"/>f\u00f6rlus<span class=\"__10 _471\"/>ter fr\u00e5n s\u00e4kringar som r<span class=\"__10 _d_9\"/>edovisats under<span class=\"__10 _469\"> </span>\u00f6vrigt totalr<span class=\"__10 _471\"/>esultat<span class=\"__10 _613\"> </span>183<span class=\"__10 _487\"> </span><span class=\"ls4_9 ws7_9\">-1<span class=\"__10 _469\"> </span></span>1)   <span class=\"__10 _2b_4\"/>Redovisat under posten \u201dNettor<span class=\"__10 _471\"/>esultat a<span class=\"__10 _d_9\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span>2)   <span class=\"__10 _2b_4\"/><span class=\"__10 _469\">N\u00e4r upplysning l\u00e4mnas om s\u00e4kringsineffektivit</span><span class=\"__10 _471\"/>et har inte v\u00e4r<span class=\"__10 _471\"/>derings-<span class=\"__10 _469\"> </span>justeringarna CV<span class=\"__10 _d_9\"/>A, DV<span class=\"__10 _471\"/>A and FFV<span class=\"__10 _d_9\"/>A beakta<span class=\"__10 _d_9\"/>ts.<span class=\"__10 _469\"> </span>Reserv f<span class=\"__10 _471\"/>\u00f6r kassafl\u00f6dess\u00e4kring<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>alutarisk<span class=\"__10 _469\"> </span>Mn euro<span class=\"__10 _c5_3\"> </span>2022<span class=\"__10 _6f_2\"> </span>2021<span class=\"__10 _469\"> </span>Ing\u00e5ende balans 1 jan <span class=\"__10 _570\"> </span><span class=\"ff2_10\">26<span class=\"__10 _4a_2\"> </span><span class=\"ls3_9 ws6_9\">-22<span class=\"__10 _469\"> </span></span></span>Kassafl\u00f6dess\u00e4kringar:  V<span class=\"__10 _d_9\"/>\u00e4rdef\u00f6r\u00e4ndringar<span class=\"__10 _db_2\"> </span>1 382<span class=\"__10 _cc_3\"> </span>45  Skatt p\u00e5 v\u00e4rde<span class=\"__10 _471\"/>f\u00f6r\u00e4ndringar<span class=\"__10 _614\"> </span>-278<span class=\"__10 _514\"> </span>-3  Omklassi\ufb01cerat till r<span class=\"__10 _471\"/>esultatr<span class=\"__10 _471\"/>\u00e4kningen<span class=\"__10 _8b_2\"> </span>-1 288<span class=\"__10 _5a_2\"> </span>15  Skatt p\u00e5 omklassi\ufb01cera<span class=\"__10 _d_9\"/>t till resultatr\u00e4kningen<span class=\"__10 _534\"> </span>259<span class=\"__10 _514\"> </span>-9<span class=\"__10 _469\"> </span>\u00d6vrigt totalresul<span class=\"__10 _d_9\"/>tat<span class=\"__10 _c_9\"/>, netto efter skatt<span class=\"__10 _582\"> </span>75<span class=\"__10 _1f_6\"> </span><span class=\"lse_8 ws14_9\">48<span class=\"__10 _469\"> </span></span>T<span class=\"__10 _479\"/>otalresulta<span class=\"__10 _471\"/>t <span class=\"__10 _486\"> </span>75<span class=\"__10 _1f_6\"> </span><span class=\"lse_8 ws14_9\">48<span class=\"__10 _469\"> </span></span>Utg\u00e5ende balans 31 dec <span class=\"__10 _f9_2\"> </span>101<span class=\"__10 _cc_3\"> </span>26<span class=\"__10 _469\"> </span>vara<span class=\"__10 _d_9\"/>v fortl\u00f6pande s\u00e4kringar f\u00f6r vilka<span class=\"__10 _469\"> </span>s\u00e4kringsredovisning till\u00e4mpas<span class=\"__10 _615\"> </span>101<span class=\"__10 _bf_3\"> </span>26<span class=\"__10 _469\"> </span>vara<span class=\"__10 _d_9\"/>v s\u00e4kringsf\u00f6rh\u00e5llanden f\u00f6r vilka<span class=\"__10 _469\"> </span>s\u00e4kringsredovisning in<span class=\"__10 _471\"/>te l\u00e4ngre till\u00e4mpas<span class=\"__10 _597\"> </span>\u2013<span class=\"__10 _520\"> </span>\u2013K3.7 Utl\u00e5ning<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>L\u00e5n \u00e4r \ufb01nansiella instrumen<span class=\"__11 _617\"/>t med fas<span class=\"__11 _617\"/>ta eller f<span class=\"__11 _617\"/>astst\u00e4llbar<span class=\"__11 _617\"/>a<span class=\"__11 _624\"> </span>betalningar som int<span class=\"__11 _617\"/>e enkelt kan \u00f6<span class=\"__11 _617\"/>verf\u00f6r<span class=\"__11 _617\"/>as utan g\u00e4lden\u00e4rens<span class=\"__11 _624\"> </span>medgivande. L\u00e5n klassi\ufb01cer<span class=\"__11 _617\"/>as och v\u00e4rder<span class=\"__11 _617\"/>as i enlighet med<span class=\"__11 _624\"> </span>beskrivningen i not K3.3 \u201dKlassi\ufb01cering och v<span class=\"__11 _617\"/>\u00e4rdering\u201d<span class=\"__11 _625\"/>. Nedan<span class=\"__11 _624\"> </span>f\u00f6ljer Nor<span class=\"__11 _617\"/>deas redovisningsprinciper g\u00e4llande kreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Mer inf<span class=\"__11 _617\"/>ormation om kreditrisk i utl\u00e5ningen \ufb01nns i no<span class=\"__11 _617\"/>t K11<span class=\"__11 _624\"> </span>\u201dRisk- och likviditetshan<span class=\"__11 _617\"/>tering\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Finansiella instrument s<span class=\"__11 _617\"/>om klassi\ufb01cera<span class=\"__11 _617\"/>ts i kategorin \u201dUpp-<span class=\"__11 _624\"> </span><span class=\"__11 _624\">lupet anskaffningsv</span><span class=\"__11 _617\"/>\u00e4rde\u201d eller \u201dV<span class=\"__11 _625\"/>erkligt v\u00e4rde via \u00f6vrigt tot<span class=\"__11 _617\"/>al-<span class=\"__11 _624\"> </span>resulta<span class=\"__11 _617\"/>t\u201d omfattas a<span class=\"__11 _617\"/>v pr<span class=\"__11 _617\"/>\u00f6vning a<span class=\"__11 _617\"/>v nedskrivningsbehov till<span class=\"__11 _624\"> </span>f\u00f6ljd a<span class=\"__11 _617\"/>v kreditrisk. H\u00e4r ing\u00e5r tillg\u00e5ngar som i balansr<span class=\"__11 _617\"/>\u00e4kningen<span class=\"__11 _624\"> </span>redovisa<span class=\"__11 _617\"/>ts som \u201dUtl\u00e5ning till centr<span class=\"__11 _617\"/>albanker<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>, \u201dUtl\u00e5ning till kre-<span class=\"__11 _624\"> </span>ditinstitut\u201d<span class=\"__11 _625\"/>, \u201dUtl\u00e5ning till allm\u00e4nheten\u201d samt \u201dR\u00e4nteb\u00e4r<span class=\"__11 _617\"/>ande<span class=\"__11 _624\"> </span>v\u00e4rdepapper\u201d<span class=\"__11 _617\"/>. I utl\u00e5ning till allm\u00e4nheten ing\u00e5r \ufb01nansiell lea<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>sing, som ocks\u00e5 omf<span class=\"__11 _617\"/>attas a<span class=\"__11 _617\"/>v pr\u00f6<span class=\"__11 _617\"/>vning a<span class=\"__11 _617\"/>v nedskrivningsbehov<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Bland dessa balansposter \ufb01nns \u00e4<span class=\"__11 _617\"/>ven tillg\u00e5ngar s<span class=\"__11 _617\"/>om klassi\ufb01-<span class=\"__11 _624\"> </span>cera<span class=\"__11 _617\"/>ts i kategorin \u201dV<span class=\"__11 _625\"/>erkligt v\u00e4rde via resulta<span class=\"__11 _617\"/>tr\u00e4kningen\u201d och<span class=\"__11 _624\"> </span>som inte om<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>attas a<span class=\"__11 _617\"/>v n\u00e5gon pr\u00f6<span class=\"__11 _617\"/>vning av nedskrivningsbeho-<span class=\"__11 _624\"> </span>vet. Se \u00e4ven no<span class=\"__11 _617\"/>t K3.3 \u201dKlassi\ufb01cering och v\u00e4r<span class=\"__11 _617\"/>dering\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>\u00c4<span class=\"__11 _617\"/>ven \u00e5<span class=\"__11 _617\"/>taganden utan<span class=\"__11 _617\"/>f\u00f6r balansr<span class=\"__11 _617\"/>\u00e4kningen, even<span class=\"__11 _617\"/>tualf\u00f6rplik<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>telser och kredit\u00e5<span class=\"__11 _617\"/>taganden ska pr\u00f6<span class=\"__11 _617\"/>vas f<span class=\"__11 _617\"/>\u00f6r<span class=\"__11 _624\"> </span>nedskrivningsbehov<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Redovisning och pr<span class=\"__11 _617\"/>esent<span class=\"__11 _617\"/>ation<span class=\"__11 _624\"> </span>Tillg\u00e5ngar v\u00e4rder<span class=\"__11 _617\"/><span class=\"__11 _624\">ade till upplupet anskaff</span><span class=\"__11 _617\"/>ningsv\u00e4rde r<span class=\"__11 _617\"/>edovi-<span class=\"__11 _624\"> </span>sas brutto, med en separ<span class=\"__11 _617\"/>at reservering f<span class=\"__11 _617\"/>\u00f6r f<span class=\"__11 _617\"/>\u00f6rv\u00e4ntade kr<span class=\"__11 _617\"/>edit-<span class=\"__11 _624\"> </span>f\u00f6rlus<span class=\"__11 _617\"/>ter om f<span class=\"__11 _617\"/>\u00f6rlust<span class=\"__11 _617\"/>en inte betr<span class=\"__11 _617\"/>akt<span class=\"__11 _617\"/>as som de\ufb01nitiv<span class=\"__11 _625\"/>. Reserverna<span class=\"__11 _624\"> </span>kvittas mot utl\u00e5ningen i balansr\u00e4kningen, men pr<span class=\"__11 _617\"/>esen<span class=\"__11 _617\"/>teras<span class=\"__11 _624\"> </span>separat i denna no<span class=\"__11 _617\"/>t. F\u00f6r\u00e4ndringar a<span class=\"__11 _617\"/>v res<span class=\"__11 _617\"/>erveringar redovisas i<span class=\"__11 _624\"> </span>resulta<span class=\"__11 _617\"/>tr\u00e4kningen och klassi\ufb01cer<span class=\"__11 _617\"/>as som \u201dKreditf<span class=\"__11 _617\"/>\u00f6rlust<span class=\"__11 _617\"/>er<span class=\"__11 _625\"/>,<span class=\"__11 _624\"> </span>netto\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Om nedskrivningen anses var<span class=\"__11 _617\"/>a de\ufb01nitiv redovisas den som<span class=\"__11 _624\"> </span>en konsta<span class=\"__11 _617\"/>terad kr<span class=\"__11 _617\"/>editf\u00f6rlus<span class=\"__11 _617\"/>t, och det redovisade v\u00e4rdet p\u00e5<span class=\"__11 _624\"> </span>l\u00e5net j\u00e4mte tillh\u00f6r<span class=\"__11 _617\"/>ande reservering f<span class=\"__11 _617\"/>\u00f6r kreditf<span class=\"__11 _617\"/>\u00f6rlust<span class=\"__11 _617\"/>er tas bort<span class=\"__11 _624\"> </span>fr\u00e5n balansr<span class=\"__11 _617\"/>\u00e4kningen. En nedskrivning anses var<span class=\"__11 _617\"/>a de\ufb01nitiv<span class=\"__11 _624\"> </span>n\u00e4r konkursans\u00f6kan inges mo<span class=\"__11 _617\"/>t l\u00e5ntagar<span class=\"__11 _617\"/>en och konkursf<span class=\"__11 _617\"/>\u00f6rval-<span class=\"__11 _624\"> </span>taren har presen<span class=\"__11 _617\"/>ter<span class=\"__11 _617\"/>at den ekonomiska ut<span class=\"__11 _617\"/>g\u00e5ngen av k<span class=\"__11 _617\"/>onkurs-<span class=\"__11 _624\"> </span>f\u00f6rf<span class=\"__11 _617\"/>arandet, eller n\u00e4r Nordea eftersk\u00e4nker sina f<span class=\"__11 _617\"/>ordringar<span class=\"__11 _624\"> </span>genom rekonstruk<span class=\"__11 _617\"/>tion p\u00e5 an<span class=\"__11 _617\"/>tingen r\u00e4ttslig eller f<span class=\"__11 _617\"/>rivillig grund<span class=\"__11 _624\"> </span>eller n\u00e4r Nordea a<span class=\"__11 _617\"/>v andra sk\u00e4l bed\u00f6mer \u00e5<span class=\"__11 _617\"/>tervinning av f<span class=\"__11 _617\"/>or-<span class=\"__11 _624\"> </span>dran som osannolik. Se \u00e4<span class=\"__11 _617\"/>ven a<span class=\"__11 _617\"/>vsnittet \u201d<span class=\"__11 _625\"/>A<span class=\"__11 _625\"/>vskrivningar<span class=\"__11 _626\"/>\u201d nedan.<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vs\u00e4ttningar f<span class=\"__11 _617\"/>\u00f6r pos<span class=\"__11 _617\"/>ter utanf<span class=\"__11 _617\"/>\u00f6r balansr<span class=\"__11 _617\"/>\u00e4kningen klassi\ufb01ce-<span class=\"__11 _624\"> </span>ras som \u201d<span class=\"__11 _625\"/>A<span class=\"__11 _625\"/>vs\u00e4ttningar<span class=\"__11 _626\"/>\u201d i balansr\u00e4kningen, med f\u00f6r<span class=\"__11 _617\"/>\u00e4ndringar i<span class=\"__11 _624\"> </span>avs\u00e4<span class=\"__11 _617\"/>ttningar klassi\ufb01cerade som \u201dKr<span class=\"__11 _617\"/>editf\u00f6rl<span class=\"__11 _617\"/>uster<span class=\"__11 _625\"/>, netto\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Tillg\u00e5ngar klassi\ufb01cerade som \u201dV<span class=\"__11 _625\"/>erkligt v\u00e4rde via \u00f6vrigt<span class=\"__11 _624\"> </span>totalr<span class=\"__11 _617\"/>esultat\u201d redovisas till verkligt v<span class=\"__11 _617\"/>\u00e4rde i balansr<span class=\"__11 _617\"/>\u00e4kningen.<span class=\"__11 _624\"> </span>Nedskrivningar ber\u00e4knade i enlighet med IFRS 9 redo<span class=\"__11 _617\"/>visas i<span class=\"__11 _624\"> </span>resulta<span class=\"__11 _617\"/>tr\u00e4kningen och klassi\ufb01cer<span class=\"__11 _617\"/>as som \u201dKreditf<span class=\"__11 _617\"/>\u00f6rlust<span class=\"__11 _617\"/>er<span class=\"__11 _625\"/>,<span class=\"__11 _624\"> </span>netto\u201d<span class=\"__11 _625\"/>. Ev<span class=\"__11 _617\"/>entuella jus<span class=\"__11 _617\"/>teringar till verkligt v<span class=\"__11 _617\"/>\u00e4rde redo<span class=\"__11 _617\"/>visas i<span class=\"__11 _624\"> </span>\u201d\u00d6vrigt totalr<span class=\"__11 _617\"/>esultat\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Pr\u00f6vning a<span class=\"__11 _617\"/>v nedskrivningsbehov<span class=\"__11 _624\"> </span>Nordea klassi\ufb01cerar alla l\u00e5ne<span class=\"__11 _617\"/>for<span class=\"__11 _617\"/>dringar i olika kategorier p\u00e5<span class=\"__11 _624\"> </span>individuell basis. Kat<span class=\"__11 _617\"/>egori 1 inkluderar tillg\u00e5ngar utan bety-<span class=\"__11 _624\"> </span>dande \u00f6kning av kr<span class=\"__11 _617\"/>editrisken sedan f<span class=\"__11 _617\"/>\u00f6rsta redo<span class=\"__11 _617\"/>visningstillf<span class=\"__11 _617\"/>\u00e4l-<span class=\"__11 _624\"> </span>let, kategori 2 inkluderar tillg\u00e5ngar med bety<span class=\"__11 _617\"/>dande \u00f6kning av<span class=\"__11 _624\"> </span>kreditrisken och ka<span class=\"__11 _617\"/>tegori 3 (os\u00e4kr<span class=\"__11 _617\"/>a l\u00e5nefor<span class=\"__11 _617\"/>dringar) inkluderar<span class=\"__11 _624\"> </span>faller<span class=\"__11 _617\"/>ade tillg\u00e5ngar<span class=\"__11 _625\"/>. Nordea f\u00f6ljer upp om det \ufb01nns indikatio-<span class=\"__11 _624\"> </span>ner p\u00e5 kreditf<span class=\"__11 _617\"/>\u00f6rs\u00e4mring (kategori 3) genom att iden<span class=\"__11 _617\"/>ti\ufb01era<span class=\"__11 _624\"> </span>h\u00e4ndelser med negativ inv<span class=\"__11 _617\"/>erkan p\u00e5 ber\u00e4knade f<span class=\"__11 _617\"/>ramtida k<span class=\"__11 _617\"/>as-<span class=\"__11 _624\"> </span>safl\u00f6den (f<span class=\"__11 _617\"/>\u00f6rlusth\u00e4ndelse<span class=\"__11 _617\"/>). Nordea till\u00e4mpar samma de\ufb01ni-<span class=\"__11 _624\"> </span>tion p\u00e5 fallissemang som i k<span class=\"__11 _617\"/>apitalt\u00e4ckningsf<span class=\"__11 _617\"/>\u00f6rordningen. Mer<span class=\"__11 _624\"> </span>inf<span class=\"__11 _617\"/>ormation om iden<span class=\"__11 _617\"/>ti\ufb01ering a<span class=\"__11 _617\"/>v f\u00f6rlus<span class=\"__11 _617\"/>th\u00e4ndelser \ufb01nns i not<span class=\"__11 _624\"> </span>K11 \u201dRisk- och likviditetshan<span class=\"__11 _617\"/>tering\u201d<span class=\"__11 _625\"/>. L\u00e5nef<span class=\"__11 _617\"/>ordringar som in<span class=\"__11 _617\"/>te<span class=\"__11 _624\"> </span>har individuellt ber\u00e4knade re<span class=\"__11 _617\"/>server ing\u00e5r i pr\u00f6vningen a<span class=\"__11 _617\"/>v<span class=\"__11 _624\"> </span>nedskrivningsbehovet baser<span class=\"__11 _617\"/>at p\u00e5 st<span class=\"__11 _617\"/>atistiska modeller<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>F\u00f6r l\u00e5nef<span class=\"__11 _617\"/>ordringar med bety<span class=\"__11 _617\"/>dande v\u00e4rde d\u00e4r en kr<span class=\"__11 _617\"/>edith\u00e4n<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>delse har identi\ufb01er<span class=\"__11 _617\"/>ats, pr\u00f6<span class=\"__11 _617\"/>vas nedskrivningsbehov<span class=\"__11 _617\"/>et p\u00e5 indivi<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>duell basis. Om l\u00e5nefor<span class=\"__11 _617\"/>dringen bed\u00f6ms vara os\u00e4k<span class=\"__11 _617\"/>er g\u00f6rs en<span class=\"__11 _624\"> </span>individuell reservering. Det redo<span class=\"__11 _617\"/>visade v\u00e4rdet p\u00e5 l\u00e5nef<span class=\"__11 _617\"/>ordring<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>en j\u00e4mf<span class=\"__11 _617\"/>\u00f6rs med den nuv\u00e4rdesber<span class=\"__11 _617\"/>\u00e4knade summan av f<span class=\"__11 _617\"/>\u00f6rv\u00e4n<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>tade fram<span class=\"__11 _617\"/>tida kassafl\u00f6den. Om det r<span class=\"__11 _617\"/>edovisade v\u00e4r<span class=\"__11 _617\"/>det \u00e4r h\u00f6gre<span class=\"__11 _624\"> </span>redovisas skillnaden som en nedskrivningsf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>t. De f\u00f6rv\u00e4n<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>tade kassafl\u00f6dena diskon<span class=\"__11 _617\"/>ter<span class=\"__11 _617\"/><span class=\"__11 _624\">as med den ursprungliga effek</span><span class=\"__11 _617\"/>tiva<span class=\"__11 _624\"> </span>r\u00e4n<span class=\"__11 _617\"/>tan och innefa<span class=\"__11 _617\"/>ttar verkligt v<span class=\"__11 _617\"/>\u00e4rde f<span class=\"__11 _617\"/>\u00f6r s\u00e4kerheter och andra<span class=\"__11 _624\"> </span>kreditf<span class=\"__11 _617\"/>\u00f6rst\u00e4rkningar<span class=\"__11 _625\"/>. Nuv\u00e4rdesber\u00e4kningen baser<span class=\"__11 _617\"/>as p\u00e5 tre<span class=\"__11 _624\"> </span>olika fram\u00e5<span class=\"__11 _617\"/>tblickande scenarier som \u00e4r sannolikhetsvik<span class=\"__11 _617\"/>tade.<span class=\"__11 _624\"> </span>F\u00f6r l\u00e5nef<span class=\"__11 _617\"/>ordringar som in<span class=\"__11 _617\"/>te \u00e4r bety<span class=\"__11 _617\"/>dande d\u00e4r ett individu-<span class=\"__11 _624\"> </span>ellt nedskrivningsbehov har iden<span class=\"__11 _617\"/>ti\ufb01erats, ber<span class=\"__11 _617\"/>\u00e4knas nedskriv-<span class=\"__11 _624\"> </span>ningsbeloppet utifr\u00e5n den modell som be<span class=\"__11 _617\"/>skrivs nedan, men<span class=\"__11 _624\"> </span>med h\u00e4nsyn till att l\u00e5nef<span class=\"__11 _617\"/>ordringarna redan \u00e4r f<span class=\"__11 _617\"/>allerade.<span class=\"__11 _624\"> </span>Nordea anv<span class=\"__11 _617\"/>\u00e4nder sig inte a<span class=\"__11 _617\"/>v undan<span class=\"__11 _617\"/>taget \u201dl\u00e5g kreditrisk\u201d i<span class=\"__11 _624\"> </span>bankverksamheten, men d\u00e4remo<span class=\"__11 _617\"/>t f\u00f6r en mindr<span class=\"__11 _617\"/>e portf\u00f6lj a<span class=\"__11 _617\"/>v<span class=\"__11 _624\"> </span>r\u00e4n<span class=\"__11 _617\"/>teb\u00e4rande v<span class=\"__11 _617\"/>\u00e4rdepapper i f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsr\u00f6relsen.<span class=\"__11 _624\"> </span>Pr\u00f6vning a<span class=\"__11 _617\"/>v nedskrivningsbehov f<span class=\"__11 _625\"/>\u00f6r l\u00e5n<span class=\"__11 _624\"> </span>v\u00e4rder<span class=\"__11 _617\"/>ade enligt statis<span class=\"__11 _617\"/>tiska modeller<span class=\"__11 _624\"> </span>F\u00f6r l\u00e5nef<span class=\"__11 _617\"/>ordringar d\u00e4r inget nedskrivningsbeho<span class=\"__11 _617\"/>v identi\ufb01er<span class=\"__11 _617\"/>a-<span class=\"__11 _624\"> </span>des i den individuella pr\u00f6vningen an<span class=\"__11 _617\"/>v\u00e4nds en kollek<span class=\"__11 _617\"/>tiv modell<span class=\"__11 _624\"> </span>f\u00f6r ber<span class=\"__11 _617\"/>\u00e4kning av nedskrivningsbeho<span class=\"__11 _617\"/>v<span class=\"__11 _625\"/>. Reserveringarna ber\u00e4k-<span class=\"__11 _624\"> </span>nas som l\u00e5nefor<span class=\"__11 _617\"/>dring vid falliss<span class=\"__11 _617\"/>emang g\u00e5nger sannolikheten<span class=\"__11 _624\"> </span>f\u00f6r f<span class=\"__11 _617\"/>allissemang g\u00e5nger f<span class=\"__11 _617\"/>\u00f6rlust<span class=\"__11 _617\"/>en i h\u00e4ndelse av f<span class=\"__11 _617\"/>allissemang.<span class=\"__11 _624\"> </span>F\u00f6r tillg\u00e5ngar i ka<span class=\"__11 _617\"/>tegori 1 baser<span class=\"__11 _617\"/>as ber\u00e4kningen endast p\u00e5 de<span class=\"__11 _624\"> </span>kommande 12 m\u00e5naderna, medan den f<span class=\"__11 _617\"/>\u00f6r tillg\u00e5ngar i kate-<span class=\"__11 _624\"> </span>gori 2 och 3 baseras p\u00e5 tillg\u00e5ngens f<span class=\"__11 _617\"/>\u00f6rv\u00e4ntade l\u00f6p<span class=\"__11 _617\"/>tid.<span class=\"__11 _624\"> </span>Reserveringar f<span class=\"__11 _617\"/>\u00f6r l\u00e5nef<span class=\"__11 _617\"/>ordringar d\u00e4r det int<span class=\"__11 _617\"/>e skett n\u00e5gon<span class=\"__11 _624\"> </span>betydande \u00f6kning a<span class=\"__11 _617\"/>v kreditrisken sedan f<span class=\"__11 _617\"/>\u00f6rsta r<span class=\"__11 _617\"/>edovisnings-<span class=\"__11 _624\"> </span>tillf\u00e4llet baser<span class=\"__11 _617\"/>as p\u00e5 f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tade kreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter under kom-<span class=\"__11 _624\"> </span>mande 12 m\u00e5nader (kategori 1). R<span class=\"__11 _617\"/>eserveringar f\u00f6r l\u00e5ne<span class=\"__11 _617\"/>for<span class=\"__11 _617\"/>d-<span class=\"__11 _624\"> </span>ringar d\u00e4r det har skett en betydande \u00f6kning a<span class=\"__11 _617\"/>v kreditrisk<span class=\"__11 _617\"/>en<span class=\"__11 _624\"> </span>sedan f\u00f6rst<span class=\"__11 _617\"/>a redovisnings<span class=\"__11 _617\"/>tillf\u00e4llet, men d\u00e4r ingen nedskriv-<span class=\"__11 _624\"> </span>ning har gjorts, baseras p\u00e5 f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tade kreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter under<span class=\"__11 _624\"> </span>hela den \u00e5terst\u00e5ende l\u00f6p<span class=\"__11 _617\"/>tiden (kategori 2). Dett<span class=\"__11 _617\"/>a g\u00e4ller \u00e4v<span class=\"__11 _617\"/>en<span class=\"__11 _624\"> </span>f\u00f6r os\u00e4kr<span class=\"__11 _617\"/>a for<span class=\"__11 _617\"/>dringar som int<span class=\"__11 _617\"/>e \u00e4r betydande i kat<span class=\"__11 _617\"/>egori 3.<span class=\"__11 _624\"> </span>Nordea<span class=\"ws3_10\"> anv<span class=\"__11 _617\"/>\u00e4nder tv\u00e5 olika modeller f<span class=\"__11 _617\"/>\u00f6r att f<span class=\"__11 _617\"/>asts<span class=\"__11 _617\"/>t\u00e4lla om det<span class=\"__11 _624\"> </span></span>har skett en betydande \u00f6kning a<span class=\"__11 _617\"/>v kreditrisken ell<span class=\"__11 _617\"/>er inte. F<span class=\"__11 _617\"/>\u00f6r<span class=\"__11 _624\"> </span>tillg\u00e5ngar som innehades vid \u00f6ver<span class=\"__11 _617\"/>g\u00e5ngen till IFRS 9 den<span class=\"__11 _624\"> </span><span class=\"__11 _624\">1 januari 2018 anv\u00e4nds f</span><span class=\"__11 _617\"/>\u00f6r\u00e4ndringen i in<span class=\"__11 _617\"/>terna r<span class=\"__11 _617\"/>ating- och sco<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ringuppgifter f\u00f6r a<span class=\"__11 _617\"/>tt fas<span class=\"__11 _617\"/>tst\u00e4lla om det sk<span class=\"__11 _617\"/>ett en betydande<span class=\"__11 _624\"> </span>\u00f6kning av kr<span class=\"__11 _617\"/>editrisken eller in<span class=\"__11 _617\"/>te. Int<span class=\"__11 _617\"/>erna rating-/<span class=\"__11 _617\"/>scoringuppgif<span class=\"__11 _617\"/><span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ter anv\u00e4nds f<span class=\"__11 _617\"/>\u00f6r a<span class=\"__11 _617\"/>tt bed\u00f6ma risken hos kunderna, och en f<span class=\"__11 _617\"/>\u00f6r<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>s\u00e4mrad ra<span class=\"__11 _617\"/>ting/s<span class=\"__11 _617\"/>coring f\u00f6r en k<span class=\"__11 _617\"/>und tyder p\u00e5 a<span class=\"__11 _617\"/>tt kreditrisken har<span class=\"__11 _624\"> </span>\u00f6kat. Nordea<span class=\"ws3_10\"> har dragit slutsa<span class=\"__11 _617\"/>tsen att det in<span class=\"__11 _617\"/>te \u00e4r m\u00f6jligt att vid<span class=\"__11 _624\"> </span></span>kreditgivningen ber\u00e4kna sannolikhet<span class=\"__11 _617\"/>en f\u00f6r f<span class=\"__11 _617\"/>allissemang (PD<span class=\"__11 _617\"/>)<span class=\"__11 _624\"> </span>f\u00f6r den \u00e5<span class=\"__11 _617\"/>terst\u00e5ende l\u00f6ptiden ut<span class=\"__11 _617\"/>an bed\u00f6mningar i efterhand a<span class=\"__11 _617\"/>v<span class=\"__11 _624\"> </span>tillg\u00e5ngar som redan redo<span class=\"__11 _617\"/>visas i balansr\u00e4kningen vid \u00f6v<span class=\"__11 _617\"/>er<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>g\u00e5ngen. F\u00f6r<span class=\"__11 _617\"/>\u00e4ndringar i PD f\u00f6r den \u00e5<span class=\"__11 _617\"/>terst\u00e5ende l\u00f6p<span class=\"__11 _617\"/>tiden<span class=\"__11 _624\"> </span>anv\u00e4nds som utl\u00f6sande f<span class=\"__11 _617\"/>ak<span class=\"__11 _617\"/>tor f<span class=\"__11 _617\"/>\u00f6r tillg\u00e5ngar redovisade eft<span class=\"__11 _617\"/>er<span class=\"__11 _624\"> </span>\u00f6verg\u00e5ngen<span class=\"__11 _624\"> </span>.<span class=\"__11 _624\"> </span>144<span class=\"__11 _624\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__11 _624\"> </span>Inledning<span class=\"__11 _616\"> </span><span class=\"__11 _624\">Aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5den<span class=\"__11 _618\"/><span class=\"ws3_10\">V<span class=\"__11 _617\"/>\u00e5ra in<span class=\"__11 _617\"/>tressent<span class=\"__11 _617\"/>er<span class=\"__11 _619\"> </span><span class=\"ff1_11\">Finansiella rapporter<span class=\"__11 _620\"/><span class=\"ff2_11 ws2_10\">F\u00f6rvaltningsber<span class=\"__11 _617\"/>\u00e4ttelse<span class=\"__11 _621\"> </span>H\u00e5llbarhetsnoter<span class=\"__11 _622\"> </span>\u00d6vrigt<span class=\"__11 _623\"/><span class=\"ws3_10\">Strategisk r<span class=\"__11 _617\"/>apport<span class=\"__11 _624\"> </span></span></span></span></span>F\u00f6r tillg\u00e5ngar som bed\u00f6ms utif<span class=\"__11 _617\"/>r\u00e5n PD f<span class=\"__11 _617\"/>\u00f6r den \u00e5ters<span class=\"__11 _617\"/>t\u00e5ende<span class=\"__11 _624\"> </span> l\u00f6ptiden anv<span class=\"__11 _617\"/>\u00e4nder Nordea en blandning a<span class=\"__11 _617\"/>v absoluta och r<span class=\"__11 _617\"/>ela-<span class=\"__11 _624\"> </span>tiva f<span class=\"__11 _617\"/>\u00f6r\u00e4ndringar i PD som kriterium f<span class=\"__11 _617\"/>\u00f6r \u00f6v<span class=\"__11 _617\"/>erf\u00f6ringen.<span class=\"__11 _624\"> </span> \u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">Retail-k<span class=\"__11 _617\"/>under med ett ursprungligt tolvm\u00e5naders PD under<span class=\"__11 _624\"> </span></span><span class=\"ws6_10\"> </span>1 procen<span class=\"__11 _617\"/>t: L\u00e5nefordringar med en r<span class=\"__11 _617\"/>elativ \u00f6kning i PD f<span class=\"__11 _617\"/>\u00f6r den<span class=\"__11 _624\"> </span> \u00e5terst\u00e5ende l\u00f6p<span class=\"__11 _617\"/>tiden p\u00e5 \u00f6ver 100 pr<span class=\"__11 _617\"/>ocen<span class=\"__11 _617\"/>t och en absolut<span class=\"__11 _624\"> </span> \u00f6kning av t<span class=\"__11 _617\"/>olvm\u00e5naders PD p\u00e5 \u00f6ver 45 punk<span class=\"__11 _617\"/>ter \u00f6<span class=\"__11 _617\"/>verf\u00f6rs till<span class=\"__11 _624\"> </span> kategori 2.<span class=\"__11 _624\"> </span> \u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">Retail-k<span class=\"__11 _617\"/>under med ett ursprungligt tolvm\u00e5naders PD \u00f6v<span class=\"__11 _617\"/>er<span class=\"__11 _624\"> </span></span><span class=\"ws6_10\"> </span>eller lika med 1 procen<span class=\"__11 _617\"/>t: L\u00e5nefor<span class=\"__11 _617\"/>dringar med en relativ<span class=\"__11 _624\"> </span> \u00f6kning i PD f\u00f6r den \u00e5<span class=\"__11 _617\"/>terst\u00e5ende l\u00f6ptiden p\u00e5 \u00f6<span class=\"__11 _617\"/>ver 100 pro<span class=\"ws3_10\">-<span class=\"__11 _624\"> </span></span>cent eller en abs<span class=\"__11 _617\"/>olut \u00f6kning a<span class=\"__11 _617\"/>v tolvm\u00e5naders PD p\u00e5 \u00f6v<span class=\"__11 _617\"/>er<span class=\"__11 _624\"> </span> 300 punkter \u00f6<span class=\"__11 _617\"/>verf\u00f6rs till ka<span class=\"__11 _617\"/>tegori 2.<span class=\"__11 _624\"> </span> \u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">F\u00f6r<span class=\"__11 _617\"/>etags- och institutionella kunder med ett ursprungligt<span class=\"__11 _624\"> </span></span><span class=\"ws6_10\"> </span>tolvm\u00e5naders PD under 0,5 procen<span class=\"__11 _617\"/>t: L\u00e5nef<span class=\"__11 _617\"/>ordringar med en<span class=\"__11 _624\"> </span> relativ \u00f6kning i PD f<span class=\"__11 _617\"/>\u00f6r den \u00e5ters<span class=\"__11 _617\"/>t\u00e5ende l\u00f6ptiden p\u00e5 \u00f6v<span class=\"__11 _617\"/>er<span class=\"__11 _624\"> </span> <span class=\"__11 _624\">150 </span><span class=\"__11 _617\"/>proc<span class=\"__11 _617\"/>ent och en absol<span class=\"__11 _617\"/>ut \u00f6kning av t<span class=\"__11 _617\"/>olvm\u00e5naders PD p\u00e5<span class=\"__11 _624\"> </span> \u00f6ver 20 punk<span class=\"__11 _617\"/>ter \u00f6v<span class=\"__11 _617\"/>erf\u00f6rs till kat<span class=\"__11 _617\"/>egori 2.<span class=\"__11 _624\"> </span> \u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">F\u00f6retags- och ins<span class=\"__11 _617\"/>titutionella kunder med ett ursprungligt<span class=\"__11 _624\"> </span></span><span class=\"ws6_10\"> </span>tolvm\u00e5naders PD p\u00e5 \u00f6v<span class=\"__11 _617\"/>er eller lika med 0,5 procen<span class=\"__11 _617\"/>t: L\u00e5nefor<span class=\"ls1_11 ws3_10\">-<span class=\"__11 _624\"> </span></span>dringar med en relativ \u00f6kning i PD f<span class=\"__11 _617\"/>\u00f6r den \u00e5t<span class=\"__11 _617\"/>erst\u00e5ende l\u00f6p<span class=\"ls1_11 ws3_10\">-<span class=\"__11 _624\"> </span></span>tiden p\u00e5 \u00f6ver 150 proc<span class=\"__11 _617\"/>ent eller en absol<span class=\"__11 _617\"/>ut \u00f6kning av<span class=\"__11 _624\"> </span> tolvm\u00e5naders PD p\u00e5 \u00f6v<span class=\"__11 _617\"/>er 400 punkter \u00f6<span class=\"__11 _617\"/>verf<span class=\"__11 _617\"/>\u00f6rs till kategori 2.<span class=\"__11 _624\"> </span>F\u00f6r tillg\u00e5ngar d\u00e4r r<span class=\"__11 _617\"/>ating- och scoringmodeller an<span class=\"__11 _617\"/>v\u00e4nds, kali-<span class=\"__11 _624\"> </span>breras r<span class=\"__11 _617\"/>ating-/<span class=\"__11 _617\"/>scoringf<span class=\"__11 _617\"/>\u00f6r\u00e4ndringen f<span class=\"__11 _617\"/>\u00f6r att ma<span class=\"__11 _617\"/>tcha den bety-<span class=\"__11 _624\"> </span>dande \u00f6kningen av kr<span class=\"__11 _617\"/>editrisken utifr<span class=\"__11 _617\"/>\u00e5n PD f\u00f6r den \u00e5<span class=\"__11 _617\"/>terst\u00e5<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>ende l\u00f6ptiden. Dessutom \u00f6<span class=\"__11 _617\"/>verf\u00f6rs kunder s<span class=\"__11 _617\"/>om omf<span class=\"__11 _617\"/>attas a<span class=\"__11 _617\"/>v<span class=\"__11 _624\"> </span> f\u00f6rmildr<span class=\"__11 _617\"/>ande kreditvillkor och k<span class=\"__11 _617\"/>under som \u00e4r mer \u00e4n 30 dagar<span class=\"__11 _624\"> </span> sena med sina betalningar till kategori 2, s\u00e5<span class=\"__11 _625\"/>vida inte ett ned-<span class=\"__11 _624\"> </span>skrivningsbehov redan har iden<span class=\"__11 _617\"/>ti\ufb01era<span class=\"__11 _617\"/>ts (kategori 3). L\u00e5ne-<span class=\"__11 _624\"> </span>for<span class=\"__11 _617\"/>dringar som omf<span class=\"__11 _617\"/>attas a<span class=\"__11 _617\"/>v f<span class=\"__11 _617\"/>\u00f6rmildrande kr<span class=\"__11 _617\"/>editvillkor kvar-<span class=\"__11 _624\"> </span>st\u00e5r i kat<span class=\"__11 _617\"/>egori 2 under en pr\u00f6v<span class=\"__11 _617\"/>otid p\u00e5 2<span class=\"__11 _617\"/>4 m\u00e5nader<span class=\"__11 _625\"/>, fr\u00e5n och<span class=\"__11 _624\"> </span> med den tidpunkt d\u00e5 \u00e5<span class=\"__11 _617\"/>tg\u00e4rderna in<span class=\"__11 _617\"/>f\u00f6r<span class=\"__11 _617\"/>des. N\u00e4r l\u00e5nefor<span class=\"__11 _617\"/>dring-<span class=\"__11 _624\"> </span>arna efter pr\u00f6v<span class=\"__11 _617\"/>otidens slut \u00e5<span class=\"__11 _617\"/>terf\u00f6rs till ka<span class=\"__11 _617\"/>tegori 1 hant<span class=\"__11 _617\"/>eras de<span class=\"__11 _624\"> </span> p\u00e5 samma s\u00e4tt som andra l\u00e5nef<span class=\"__11 _617\"/>or<span class=\"__11 _617\"/>dringar i kategori 1 i f<span class=\"__11 _617\"/>r\u00e5ga<span class=\"__11 _624\"> </span> om bed\u00f6mningen av om det f<span class=\"__11 _617\"/>\u00f6religger en v<span class=\"__11 _617\"/>\u00e4sentlig \u00f6kning a<span class=\"__11 _625\"/>v<span class=\"__11 _624\"> </span> kreditrisken. L\u00e5nef<span class=\"__11 _617\"/>ordringar d\u00e4r k<span class=\"__11 _617\"/>underna \u00e4r mer \u00e4n 90 dagar<span class=\"__11 _624\"> </span> sena med sina betalningar klassi\ufb01ceras normal<span class=\"__11 _617\"/>t i kategori 3,<span class=\"__11 _624\"> </span> men denna klassi\ufb01cering \u00e4ndras om det \ufb01nns bevis f<span class=\"__11 _617\"/>\u00f6r att<span class=\"__11 _624\"> </span> kunden int<span class=\"__11 _617\"/>e har faller<span class=\"__11 _617\"/>at. S\u00e5dana l\u00e5nefor<span class=\"__11 _617\"/>dringar klassi\ufb01ceras i<span class=\"__11 _624\"> </span> kategori 2. L\u00e5ne<span class=\"__11 _617\"/>for<span class=\"__11 _617\"/>dringar med \u201dh\u00f6g risk\u201d<span class=\"__11 _625\"/>, det vill s\u00e4ga med<span class=\"__11 _624\"> </span> en rating p\u00e5 2 eller l\u00e4gr<span class=\"__11 _617\"/>e, \u00f6verf<span class=\"__11 _617\"/>\u00f6rs ocks\u00e5 till kategori 2.  Vid ber\u00e4kningen a<span class=\"__11 _617\"/>v reserveringar<span class=\"__11 _625\"/>, inklusive kategoriindel<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>ningen, anv\u00e4nds b\u00e5de his<span class=\"__11 _617\"/>torisk inf<span class=\"__11 _617\"/>ormation och sannolikhets-<span class=\"__11 _624\"> </span>viktad, f<span class=\"__11 _617\"/>ram\u00e5tblickande in<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>ormation. Nordea an<span class=\"__11 _617\"/>v\u00e4nder tre<span class=\"__11 _624\"> </span> makroekonomiska sc<span class=\"__11 _617\"/>enarier f\u00f6r a<span class=\"__11 _617\"/>tt ta h\u00e4nsyn till de icke-linj\u00e4-<span class=\"__11 _624\"> </span>ra aspek<span class=\"__11 _617\"/>terna a<span class=\"__11 _617\"/>v f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tade kreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter<span class=\"__11 _625\"/>. De olika scenari-<span class=\"__11 _624\"> </span>erna anv\u00e4nds f<span class=\"__11 _617\"/>\u00f6r att jus<span class=\"__11 _617\"/>tera de ak<span class=\"__11 _617\"/>tuella parametr<span class=\"__11 _617\"/>arna f\u00f6r<span class=\"__11 _624\"> </span> ber\u00e4kning a<span class=\"__11 _617\"/>v f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tade kreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter<span class=\"__11 _625\"/>, och ett sannolikhets-<span class=\"__11 _624\"> </span>vikta<span class=\"__11 _617\"/>t genomsnitt av de f<span class=\"__11 _617\"/>\u00f6rv\u00e4n<span class=\"__11 _617\"/>tade f<span class=\"__11 _617\"/>\u00f6rlusterna enligt r<span class=\"__11 _617\"/>espek-<span class=\"__11 _624\"> </span>tive scenario r<span class=\"__11 _617\"/>edovisas som res<span class=\"__11 _617\"/>erveringar<span class=\"__11 _617\"/>. Modellen anv<span class=\"__11 _617\"/>\u00e4nder<span class=\"__11 _624\"> </span> sig av da<span class=\"__11 _617\"/>ta som samlats in f<span class=\"__11 _617\"/>\u00f6re balansdagen, vilk<span class=\"__11 _617\"/>et inneb\u00e4r<span class=\"__11 _624\"> </span> att Nordea m\u00e5s<span class=\"__11 _617\"/>te identi\ufb01er<span class=\"__11 _617\"/>a h\u00e4ndelser som skulle k<span class=\"__11 _617\"/>unna<span class=\"__11 _624\"> </span> p\u00e5v<span class=\"__11 _617\"/>erka reserveringarna efter da<span class=\"__11 _617\"/>tainsamlingen. Ledningen<span class=\"__11 _624\"> </span> utv\u00e4rder<span class=\"__11 _617\"/>ar dessa h\u00e4ndelser och juster<span class=\"__11 _617\"/>ar reserveringarna, om<span class=\"__11 _624\"> </span> detta bed\u00f6ms n\u00f6dv\u00e4ndigt.<span class=\"__11 _624\"> </span>Bortskrivningar<span class=\"__11 _624\"> </span>Bortskrivningar inneb\u00e4r att l\u00e5n eller kundf<span class=\"__11 _617\"/>ordringar a<span class=\"__11 _617\"/>vf\u00f6rs<span class=\"__11 _624\"> </span> fr\u00e5n balansr<span class=\"__11 _617\"/>\u00e4kningen samtidigt som mo<span class=\"__11 _617\"/>tsvar<span class=\"__11 _617\"/>ande kreditf<span class=\"__11 _617\"/>\u00f6r-<span class=\"__11 _624\"> </span>lustres<span class=\"__11 _617\"/>ervering realiseras. N\u00e4r f<span class=\"__11 _617\"/>ordringar bed\u00f6ms v<span class=\"__11 _617\"/>ara om\u00f6j-<span class=\"__11 _624\"> </span>liga att driva in ska de snar<span class=\"__11 _617\"/>ast m\u00f6jligt bortskrivas, oa<span class=\"__11 _617\"/>vsett om<span class=\"__11 _624\"> </span> det r\u00e4ttsliga anspr<span class=\"__11 _617\"/>\u00e5ket kvarst<span class=\"__11 _617\"/>\u00e5r eller inte. En bortskrivning<span class=\"__11 _624\"> </span> kan g\u00f6ras innan ev<span class=\"__11 _617\"/>entuella r<span class=\"__11 _617\"/>\u00e4ttsliga \u00e5tg\u00e4r<span class=\"__11 _617\"/>der mot l\u00e5n<span class=\"__11 _617\"/>tagaren,<span class=\"__11 _624\"> </span>f\u00f6r a<span class=\"__11 _617\"/>tt \u00e5tervinna skulden, har slutf<span class=\"__11 _617\"/>\u00f6rts. \u00c4<span class=\"__11 _625\"/>ven om en for<span class=\"__11 _617\"/>dran<span class=\"__11 _624\"> </span> som inte k<span class=\"__11 _617\"/>an drivas in bortskrivs eller avf<span class=\"__11 _617\"/>\u00f6rs fr\u00e5n balansr<span class=\"__11 _617\"/>\u00e4k-<span class=\"__11 _624\"> </span>ningen har kunden en r\u00e4<span class=\"__11 _617\"/>ttslig skyldighet att betala den ute-<span class=\"__11 _624\"> </span>st\u00e5ende skulden. Vid bed\u00f6mningen a<span class=\"__11 _617\"/>v huruvida os\u00e4kr<span class=\"__11 _617\"/>a l\u00e5ne-<span class=\"__11 _624\"> </span>for<span class=\"__11 _617\"/>dringar kan \u00e5tervinnas och om bortskrivning kr\u00e4<span class=\"__11 _617\"/>vs, \u00e4r det<span class=\"__11 _624\"> </span> fram<span class=\"__11 _617\"/>f\u00f6r all<span class=\"__11 _617\"/>t l\u00e5nef<span class=\"__11 _617\"/>ordringar med f<span class=\"__11 _617\"/>\u00f6ljande egenskaper som st\u00e5r<span class=\"__11 _624\"> </span> i fok<span class=\"__11 _617\"/>us (listan \u00e4r in<span class=\"__11 _617\"/>te utt\u00f6mmande):<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">L\u00e5nef<span class=\"__11 _617\"/>ordringar d\u00e4r kunderna \u00e4r mer \u00e4n 90 dagar sena med<span class=\"__11 _624\"> </span></span><span class=\"ws6_10\"> </span>betalningen. Om en l\u00e5nefor<span class=\"__11 _617\"/>dring, eller del a<span class=\"__11 _617\"/>v den, efter den<span class=\"__11 _624\"> </span> h\u00e4r bed\u00f6mningen anses var<span class=\"__11 _617\"/>a om\u00f6jlig att driva in, bortskrivs<span class=\"__11 _624\"> </span> den.<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">L\u00e5nef<span class=\"__11 _617\"/>ordringar som omf<span class=\"__11 _617\"/>a<span class=\"__11 _617\"/>ttas av ins<span class=\"__11 _617\"/>olvensf<span class=\"__11 _617\"/>\u00f6rfar<span class=\"__11 _617\"/>ande och<span class=\"__11 _624\"> </span></span><span class=\"ws6_10\"> </span>har l\u00e5g s\u00e4kerhetst\u00e4ckning.<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">L\u00e5nef<span class=\"__11 _617\"/>ordringar d\u00e4r juridiska kos<span class=\"__11 _617\"/>tnader f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tas f<span class=\"__11 _617\"/>\u00f6rbruka<span class=\"__11 _624\"> </span></span><span class=\"ws6_10\"> </span>beh\u00e5llningen fr\u00e5n k<span class=\"__11 _617\"/>onkursf\u00f6rf<span class=\"__11 _617\"/>arandet, med l\u00e5ga \u00e5tervin<span class=\"ws3_10\">-<span class=\"__11 _624\"> </span></span>ningsv\u00e4rden som f<span class=\"__11 _617\"/>\u00f6ljd.<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">Delbortskrivning kan vara bef<span class=\"__11 _617\"/>ogad n\u00e4r det \ufb01nns rimliga<span class=\"__11 _624\"> </span></span><span class=\"ws6_10\"> </span>ekonomiska bel\u00e4gg f<span class=\"__11 _617\"/>\u00f6r att l\u00e5n<span class=\"__11 _617\"/>tagaren in<span class=\"__11 _617\"/>te kan \u00e5terbet<span class=\"__11 _617\"/>ala<span class=\"__11 _624\"> </span> hela beloppet, det vill s\u00e4ga en avsev\u00e4r<span class=\"__11 _617\"/>d del a<span class=\"__11 _617\"/>v skulden kan<span class=\"__11 _624\"> </span> inte p\u00e5 rimliga grunder s\u00e4gas v<span class=\"__11 _617\"/>ara \u00e5<span class=\"__11 _617\"/>tervinningsbar genom<span class=\"__11 _624\"> </span> f\u00f6rmildr<span class=\"__11 _617\"/>ande kreditvillkor eller r<span class=\"__11 _617\"/>ealisering a<span class=\"__11 _617\"/>v s\u00e4kerheter<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span>Rekons<span class=\"__11 _617\"/>truktionsf<span class=\"__11 _617\"/>all.<span class=\"__11 _624\"> </span>Diskont<span class=\"__11 _617\"/>eringsr\u00e4n<span class=\"__11 _617\"/>ta<span class=\"__11 _624\"> </span>Diskont<span class=\"__11 _617\"/>eringsr\u00e4n<span class=\"__11 _617\"/>tan som anv<span class=\"__11 _617\"/>\u00e4nds f\u00f6r v<span class=\"__11 _617\"/>\u00e4rdering a<span class=\"__11 _617\"/>v os\u00e4kra<span class=\"__11 _624\"> </span> l\u00e5nefor<span class=\"__11 _617\"/>dringar motsvar<span class=\"__11 _617\"/><span class=\"__11 _624\">ar den ursprungliga effek</span><span class=\"__11 _617\"/>tiva r<span class=\"__11 _617\"/>\u00e4ntan<span class=\"__11 _624\"> </span> f\u00f6r l\u00e5n h\u00e4n<span class=\"__11 _617\"/>f\u00f6rliga till en enskild k<span class=\"__11 _617\"/>und eller<span class=\"__11 _625\"/>, i f\u00f6rekommande<span class=\"__11 _624\"> </span> fall, till en grupp a<span class=\"__11 _617\"/>v l\u00e5nefor<span class=\"__11 _617\"/>dringar<span class=\"__11 _625\"/>. Om s\u00e5 anses l\u00e4mpligt kan<span class=\"__11 _624\"> </span> diskont<span class=\"__11 _617\"/>eringsr\u00e4n<span class=\"__11 _617\"/>tan ber\u00e4knas med en metod som r<span class=\"__11 _617\"/>esulter<span class=\"__11 _617\"/>ar i<span class=\"__11 _624\"> </span> en nedskrivning som utg\u00f6r en rimlig uppskattning a<span class=\"__11 _617\"/>v v<span class=\"__11 _617\"/>ad en<span class=\"__11 _624\"> </span> <span class=\"__11 _624\">ber\u00e4kning grundad p\u00e5 eff</span><span class=\"__11 _617\"/>ektivr<span class=\"__11 _617\"/>\u00e4nt<span class=\"__11 _617\"/>emetoden skulle ge.<span class=\"__11 _624\"> </span>Omstruktur<span class=\"__11 _617\"/>erade l\u00e5nef<span class=\"__11 _617\"/>ordringar och modi\ufb01eringar<span class=\"__11 _624\"> </span>Med en omstruk<span class=\"__11 _617\"/>turerad l\u00e5nef<span class=\"__11 _617\"/>ordr<span class=\"__11 _617\"/>an a<span class=\"__11 _617\"/>vses i detta samman-<span class=\"__11 _624\"> </span>hang en l\u00e5nefor<span class=\"__11 _617\"/>dran d\u00e4r Nordea har bevilja<span class=\"__11 _617\"/>t l\u00e5nt<span class=\"__11 _617\"/>agaren efter-<span class=\"__11 _624\"> </span>gifter till f\u00f6ljd a<span class=\"__11 _625\"/>v dennes ekonomiska sv\u00e5righeter och d\u00e4r<span class=\"__11 _624\"> </span> s\u00e5dana eftergifter har gett uppho<span class=\"__11 _617\"/>v till en kreditf<span class=\"__11 _617\"/>\u00f6rlust f<span class=\"__11 _617\"/>\u00f6r<span class=\"__11 _624\"> </span> Nordea. Efter en oms<span class=\"__11 _617\"/>truktur<span class=\"__11 _617\"/>ering betrak<span class=\"__11 _617\"/>tas l\u00e5nef<span class=\"__11 _617\"/>ordran v<span class=\"__11 _617\"/>anli-<span class=\"__11 _624\"> </span>gen inte l\u00e4ngr<span class=\"__11 _617\"/>e som os\u00e4ker om \u00e5t<span class=\"__11 _617\"/>agandena fullf<span class=\"__11 _617\"/>\u00f6ljs i enlighet<span class=\"__11 _624\"> </span> med de nya villk<span class=\"__11 _617\"/>oren. I det fall en \u00e5<span class=\"__11 _617\"/>tervinning sker redovisas<span class=\"__11 _624\"> </span> betalningen som en \u00e5tervinning a<span class=\"__11 _617\"/>v kreditf<span class=\"__11 _617\"/>\u00f6rlust<span class=\"__11 _617\"/>er<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span> Modi\ufb01ering av de a<span class=\"__11 _617\"/>vtalsenliga k<span class=\"__11 _617\"/>assafl\u00f6dena f<span class=\"__11 _617\"/>\u00f6r l\u00e5n till kunder<span class=\"__11 _624\"> </span> med ekonomiska sv\u00e5righet<span class=\"__11 _617\"/>er (f\u00f6rmildr<span class=\"__11 _617\"/>ande kreditvillkor) mins<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>kar det redovisade l\u00e5nebeloppet, brutto. Normalt \u00e4r denna<span class=\"__11 _624\"> </span> minskning mindre \u00e4n den be\ufb01ntliga r<span class=\"__11 _617\"/>eserveringen, och ingen<span class=\"__11 _624\"> </span> f\u00f6rlus<span class=\"__11 _617\"/>t redovisas i r<span class=\"__11 _617\"/>esulta<span class=\"__11 _617\"/>tr\u00e4kningen till f<span class=\"__11 _617\"/>\u00f6ljd a<span class=\"__11 _617\"/>v modi\ufb01ering. Om<span class=\"__11 _624\"> </span> de \u00e4r betydande, minskas bruttobeloppen (l\u00e5n och r<span class=\"__11 _617\"/>eservering).<span class=\"__11 _624\"> </span> Tillg\u00e5ngar \u00f6vertagna f<span class=\"__11 _617\"/>\u00f6r skyddande a<span class=\"__11 _617\"/>v f<span class=\"__11 _617\"/>ordr<span class=\"__11 _617\"/>an<span class=\"__11 _624\"> </span>I en \ufb01nansiell omstruk<span class=\"__11 _617\"/>turering kan l\u00e5ngivar<span class=\"__11 _617\"/>en komma att<span class=\"__11 _624\"> </span> avs<span class=\"__11 _617\"/>t\u00e5 fr<span class=\"__11 _617\"/>\u00e5n l\u00e5nefor<span class=\"__11 _617\"/>dringar till f\u00f6rm\u00e5n f<span class=\"__11 _617\"/>\u00f6r l\u00e5n<span class=\"__11 _617\"/>tagaren och i utby-<span class=\"__11 _624\"> </span>te mot denna efter<span class=\"__11 _617\"/>gift ta \u00f6ver till<span class=\"__11 _617\"/>g\u00e5ngar som l\u00e4mnats som<span class=\"__11 _624\"> </span> s\u00e4kerhet f<span class=\"__11 _617\"/>\u00f6r l\u00e5nen, aktier som emitt<span class=\"__11 _617\"/>erats a<span class=\"__11 _617\"/>v l\u00e5n<span class=\"__11 _617\"/>tagaren eller<span class=\"__11 _624\"> </span> andra tillg\u00e5ngar<span class=\"__11 _625\"/>. En tillg\u00e5ng \u00f6vertagen f\u00f6r skyddande a<span class=\"__11 _625\"/>v for-<span class=\"__11 _624\"> </span>dran redo<span class=\"__11 _617\"/>visas i balansr\u00e4kningen tillsammans med liknande<span class=\"__11 _624\"> </span> tillg\u00e5ngar som redan innehas a<span class=\"__11 _617\"/>v Nordea. En \u00f6v<span class=\"__11 _617\"/>ertagen fastig-<span class=\"__11 _624\"> </span>het som inte innehas f<span class=\"__11 _617\"/>\u00f6r eget utn<span class=\"__11 _617\"/>yttjande redovisas till e<span class=\"__11 _617\"/>x<span class=\"__11 _617\"/>em-<span class=\"__11 _624\"> </span>pel tillsammans med andra f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheter<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Alla tillg\u00e5ngar som \u00f6vertagits f<span class=\"__11 _617\"/>\u00f6r skyddande a<span class=\"__11 _617\"/>v f<span class=\"__11 _617\"/>ordran<span class=\"__11 _624\"> </span> redovisas vid f<span class=\"__11 _617\"/>\u00f6rsta redo<span class=\"__11 _617\"/>visningstillf<span class=\"__11 _617\"/>\u00e4llet till verkligt v\u00e4r<span class=\"__11 _617\"/>de och<span class=\"__11 _624\"> </span> even<span class=\"__11 _617\"/>tuell skillnad mellan l\u00e5nets redovisade v<span class=\"__11 _617\"/>\u00e4rde och det<span class=\"__11 _624\"> </span> verkliga v\u00e4r<span class=\"__11 _617\"/>det p\u00e5 den \u00f6vertagna tillg\u00e5ngen redo<span class=\"__11 _617\"/>visas under<span class=\"__11 _624\"> </span> posten \u201dKreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter<span class=\"__11 _625\"/>, netto\u201d<span class=\"__11 _625\"/>. Det verkliga v\u00e4rdet p\u00e5 redovis-<span class=\"__11 _624\"> </span><span class=\"__11 _624\">ningsdagen blir tillg\u00e5ngens anskaffningsv</span><span class=\"__11 _617\"/>\u00e4rde eller upplupna<span class=\"__11 _624\"> </span> <span class=\"__11 _624\">anskaffningsv</span><span class=\"__11 _617\"/>\u00e4rde, beroende p\u00e5 v<span class=\"__11 _617\"/>ad som \u00e4r till\u00e4mpligt. Under<span class=\"__11 _624\"> </span>K3.<span class=\"__11 _617\"/>7  Utl\u00e5ning, forts.<span class=\"__11 _624\"> </span>145<span class=\"__11 _624\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__11 _624\"> </span>Inledning<span class=\"__11 _616\"> </span><span class=\"__11 _624\">Aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5den<span class=\"__11 _618\"/><span class=\"ws3_10\">V<span class=\"__11 _617\"/>\u00e5ra in<span class=\"__11 _617\"/>tressent<span class=\"__11 _617\"/>er<span class=\"__11 _619\"> </span><span class=\"ff1_11\">Finansiella rapporter<span class=\"__11 _620\"/><span class=\"ff2_11 ws2_10\">F\u00f6rvaltningsber<span class=\"__11 _617\"/>\u00e4ttelse<span class=\"__11 _621\"> </span>H\u00e5llbarhetsnoter<span class=\"__11 _622\"> </span>\u00d6vrigt<span class=\"__11 _623\"/><span class=\"ws3_10\">Strategisk r<span class=\"__11 _617\"/>apport<span class=\"__11 _624\"> </span></span></span></span></span>K3.<span class=\"__11 _617\"/>7  Utl\u00e5ning, forts.<span class=\"__11 _624\"> </span>efterf\u00f6ljande perioder v<span class=\"__11 _617\"/>\u00e4rderas tillg\u00e5ngar som \u00f6<span class=\"__11 _617\"/>vertagits f<span class=\"__11 _617\"/>\u00f6r skyddande a<span class=\"__11 _617\"/>v for<span class=\"__11 _617\"/>dran i enlighet med g\u00e4llande v\u00e4r<span class=\"__11 _617\"/>derings-<span class=\"__11 _624\"> </span>principer f\u00f6r tillg\u00e5ngsslaget. F\u00f6rval<span class=\"__11 _617\"/>tningsfas<span class=\"__11 _617\"/>tigheter v\u00e4r<span class=\"__11 _617\"/>deras d\u00e5 till verkligt v\u00e4r<span class=\"__11 _617\"/>de. \u00d6vertagna \ufb01nansiella tillg\u00e5ngar klassi\ufb01-<span class=\"__11 _624\"> </span>ceras generell<span class=\"__11 _617\"/>t i kategorin \u201dV<span class=\"__11 _625\"/>erkligt v\u00e4rde via result<span class=\"__11 _617\"/>atr\u00e4kning-<span class=\"__11 _624\"> </span>en\u201d och v\u00e4rder<span class=\"__11 _617\"/>as till verkligt v\u00e4r<span class=\"__11 _617\"/>de. F\u00f6r<span class=\"__11 _617\"/>\u00e4ndringar i verkligt v\u00e4rde r<span class=\"__11 _617\"/>edovisas i result<span class=\"__11 _617\"/>atr\u00e4kningen under pos<span class=\"__11 _617\"/>ten \u201dNettore<span class=\"__11 _617\"/>sul-<span class=\"__11 _624\"> </span>tat a<span class=\"__11 _617\"/>v poster till v<span class=\"__11 _617\"/>erkligt v\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>E<span class=\"__11 _617\"/>ventuella v<span class=\"__11 _617\"/>\u00e4rdef<span class=\"__11 _617\"/>\u00f6r\u00e4ndringar eft<span class=\"__11 _617\"/>er den \u00f6vertagna tillg\u00e5ng-<span class=\"__11 _624\"> </span>ens f\u00f6rsta r<span class=\"__11 _617\"/>edovisningstillf<span class=\"__11 _617\"/>\u00e4lle, redo<span class=\"__11 _617\"/>visas i result<span class=\"__11 _617\"/>atr\u00e4kningen i enlighet med koncernens principer f<span class=\"__11 _617\"/>\u00f6r presen<span class=\"__11 _617\"/>tation a<span class=\"__11 _617\"/>v till-<span class=\"__11 _624\"> </span>g\u00e5ngsslaget. Posten \u201dKreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter<span class=\"__11 _625\"/>, netto\u201d i resultatr<span class=\"__11 _617\"/>\u00e4kning-<span class=\"__11 _624\"> </span>en p\u00e5v<span class=\"__11 _617\"/>erkas f\u00f6ljak<span class=\"__11 _617\"/>tligen in<span class=\"__11 _617\"/>te a<span class=\"__11 _617\"/>v ny<span class=\"__11 _617\"/>a v\u00e4rderingar a<span class=\"__11 _617\"/>v den \u00f6v<span class=\"__11 _617\"/>er-<span class=\"__11 _624\"> </span>tagna tillg\u00e5ngen efter f<span class=\"__11 _617\"/>\u00f6rsta redo<span class=\"__11 _617\"/>visningstillf<span class=\"__11 _617\"/>\u00e4llet.<span class=\"__11 _624\"> </span>Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__11 _617\"/>ttningar<span class=\"__11 _624\"> </span>Ledningen m\u00e5ste g\u00f6r<span class=\"__11 _617\"/>a kritiska bed\u00f6mningar och uppskatt-<span class=\"__11 _624\"> </span>ningar vid ber\u00e4kningen a<span class=\"__11 _617\"/>v reserveringar f<span class=\"__11 _617\"/>\u00f6r os\u00e4kra l\u00e5nef<span class=\"__11 _617\"/>ord-<span class=\"__11 _624\"> </span>ringar<span class=\"__11 _617\"/>. Nor<span class=\"__11 _617\"/>deas samlade utl\u00e5ning, f\u00f6r<span class=\"__11 _617\"/>e reserveringar f<span class=\"__11 _617\"/>\u00f6r os\u00e4k-<span class=\"__11 _624\"> </span>ra l\u00e5nef<span class=\"__11 _617\"/>ordringar<span class=\"__11 _625\"/><span class=\"__11 _624\">, uppgick till 352 87</span><span class=\"__11 _617\"/>4 mn euro (349 648 mn euro) vid \u00e5r<span class=\"__11 _617\"/>ets slut. F\u00f6r a<span class=\"__11 _617\"/>tt ber\u00e4kna res<span class=\"__11 _617\"/>erver f\u00f6r individuellt bety<span class=\"__11 _617\"/>dande os\u00e4kra for<span class=\"__11 _617\"/>dringar g\u00f6rs bed\u00f6mningar f\u00f6r att uppska<span class=\"__11 _617\"/>tta beloppet och tidpunkten f<span class=\"__11 _617\"/>\u00f6r de f<span class=\"__11 _617\"/>\u00f6rv\u00e4nt<span class=\"__11 _617\"/>ade kassafl\u00f6dena fr<span class=\"__11 _617\"/>\u00e5n kunderna enligt olika scenarier<span class=\"__11 _625\"/>, inklusive v\u00e4rdering a<span class=\"__11 _617\"/>v ev<span class=\"__11 _617\"/>entuella s\u00e4ker-<span class=\"__11 _624\"> </span>heter som erh\u00e5llits. Bed\u00f6mningar g\u00f6rs ocks\u00e5 f\u00f6r a<span class=\"__11 _617\"/>tt komma fram till sannolikheten f<span class=\"__11 _617\"/>\u00f6r a<span class=\"__11 _617\"/>tt de olika scenarierna in<span class=\"__11 _617\"/><span class=\"__11 _624\">tr\u00e4ff</span><span class=\"__11 _617\"/>ar<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Bed\u00f6mningar g\u00f6rs f\u00f6r att v<span class=\"__11 _617\"/>\u00e4rdera n\u00e4r en e<span class=\"__11 _617\"/>xponering har resulter<span class=\"__11 _617\"/>at i en betydande \u00f6kning a<span class=\"__11 _625\"/>v kreditrisken. N\u00e4r s\u00e5 \u00e4r fallet ska reserveringen spegla f<span class=\"__11 _617\"/>\u00f6rv\u00e4ntade kr<span class=\"__11 _617\"/>editf\u00f6rl<span class=\"__11 _617\"/>uster under den \u00e5terst\u00e5ende l\u00f6p<span class=\"__11 _617\"/>tiden, till skillnad fr\u00e5n e<span class=\"__11 _617\"/>xponeringar v<span class=\"__11 _617\"/>ars kredi<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>trisk inte har \u00f6ka<span class=\"__11 _617\"/>t markant d\u00e4r r<span class=\"__11 _617\"/>eserveringen a<span class=\"__11 _617\"/>vser f<span class=\"__11 _617\"/>\u00f6rv\u00e4ntade kreditf<span class=\"__11 _617\"/>\u00f6rluster under de k<span class=\"__11 _617\"/>ommande 12 m\u00e5naderna. Bed\u00f6mning<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ar g\u00f6rs ocks\u00e5 vid valet a<span class=\"__11 _617\"/>v modeller som anv\u00e4nder andr<span class=\"__11 _617\"/>a para<span class=\"__11 _617\"/><span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>metrar vid ber\u00e4kning a<span class=\"__11 _617\"/>v f<span class=\"__11 _617\"/>\u00f6rv\u00e4nt<span class=\"__11 _617\"/>ade kreditf<span class=\"__11 _617\"/>\u00f6rluster<span class=\"__11 _625\"/>, till ex<span class=\"__11 _617\"/>empel den f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tade l\u00f6ptiden som an<span class=\"__11 _617\"/>v\u00e4nds i ka<span class=\"__11 _617\"/>tegori 2, samt vid bed\u00f6mningen av huruvida par<span class=\"__11 _617\"/>ametrarna som an<span class=\"__11 _617\"/>v\u00e4nder hist<span class=\"__11 _617\"/>o<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>riska data \u00e4r rele<span class=\"__11 _617\"/>van<span class=\"__11 _617\"/>ta f\u00f6r uppsk<span class=\"__11 _617\"/>attning a<span class=\"__11 _617\"/>v fram<span class=\"__11 _617\"/>tida f<span class=\"__11 _617\"/>\u00f6rlust<span class=\"__11 _617\"/>er<span class=\"__11 _617\"/>.<span class=\"__11 _624\"> </span>De statis<span class=\"__11 _617\"/>tiska modeller som anv<span class=\"__11 _617\"/>\u00e4nds f\u00f6r a<span class=\"__11 _617\"/>tt ber\u00e4kna re<span class=\"__11 _617\"/>ser-<span class=\"__11 _624\"> </span>veringarna baseras p\u00e5 makr<span class=\"__11 _617\"/>oekonomiska scenarier<span class=\"__11 _625\"/>, vilket kr\u00e4<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>ver att ledningen g\u00f6r bed\u00f6mningar n\u00e4r de tar f<span class=\"__11 _617\"/>ram s\u00e5dana scenarier och anger sannolikheten f<span class=\"__11 _617\"/>\u00f6r att de olika sc<span class=\"__11 _617\"/>enarierna intr<span class=\"__11 _617\"/><span class=\"__11 _624\">\u00e4ffar</span><span class=\"__11 _625\"/>. Bed\u00f6mningar g\u00f6rs ocks\u00e5 f\u00f6r att k<span class=\"__11 _617\"/>omma fram till i vil<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>ken utstr<span class=\"__11 _617\"/>\u00e4ckning parametrarna f<span class=\"__11 _617\"/>\u00f6r de olika sc<span class=\"__11 _617\"/>enarierna, som baserats p\u00e5 his<span class=\"__11 _617\"/>toriska dat<span class=\"__11 _617\"/>a, \u00e4r relevan<span class=\"__11 _617\"/>ta f<span class=\"__11 _617\"/>\u00f6r uppskattning a<span class=\"__11 _617\"/>v fram<span class=\"__11 _617\"/>tida f<span class=\"__11 _617\"/>\u00f6rluster<span class=\"__11 _625\"/>. Justeringar g\u00f6rs a<span class=\"__11 _617\"/>v de modellber\u00e4knade avs\u00e4<span class=\"__11 _617\"/>ttningarna om de historiska uppgift<span class=\"__11 _617\"/>erna inte i tillr<span class=\"__11 _617\"/>\u00e4cklig utstr\u00e4ckning speglar ledningens syn p\u00e5 de f<span class=\"__11 _617\"/>\u00f6rv\u00e4n<span class=\"__11 _617\"/>tade kredit-<span class=\"__11 _624\"> </span>f\u00f6rlus<span class=\"__11 _617\"/>terna. Uppskattningen a<span class=\"__11 _625\"/>v modelljusteringar i efterhand kr\u00e4<span class=\"__11 _617\"/>ver att ledningen g\u00f6r kritisk<span class=\"__11 _617\"/>a bed\u00f6mningar<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>F\u00f6r in<span class=\"__11 _617\"/>forma<span class=\"__11 _617\"/>tion om kritiska bed\u00f6mningar vid uppr\u00e4<span class=\"__11 _617\"/>ttandet av denna \u00e5rsredo<span class=\"__11 _617\"/>visningen till f\u00f6ljd a<span class=\"__11 _625\"/>v os\u00e4kerhet kring hur h\u00f6gre energi- och r<span class=\"__11 _617\"/>\u00e5v<span class=\"__11 _617\"/>arupriser och l\u00e4gre priv<span class=\"__11 _617\"/>atkonsum<span class=\"__11 _617\"/>tion i olika sekt<span class=\"__11 _617\"/>orer p\u00e5 l\u00e5ng sik<span class=\"__11 _617\"/>t kan komma att p\u00e5<span class=\"__11 _617\"/>verk<span class=\"__11 _617\"/>a Nordeas redovisning, se no<span class=\"__11 _617\"/>t K1 \u201dRedovisningsprinciper\u201d<span class=\"__11 _617\"/>.<span class=\"__11 _624\"> </span>Utl\u00e5ning och os\u00e4kra l\u00e5nef<span class=\"__11 _617\"/>ordringar Mn euro<span class=\"__11 _b_10\"> </span>31 dec 2022<span class=\"__11 _c_10\"> </span>31 dec 2021<span class=\"__11 _624\"> </span>Utl\u00e5ning v\u00e4rderad till v<span class=\"__11 _617\"/>erkligt v\u00e4rde<span class=\"__11 _d_10\"> </span><span class=\"ls6_10 ws8_10\">7<span class=\"__11 _626\"/>3 24<span class=\"__11 _626\"/>8<span class=\"__11 _e_10\"> </span></span>75 77<span class=\"__11 _626\"/>2<span class=\"__11 _624\"> </span>Utl\u00e5ning v\u00e4rderad till uppl<span class=\"__11 _617\"/><span class=\"__11 _624\">upet anskaffningsv\u00e4r</span><span class=\"__11 _617\"/>de som int<span class=\"__11 _617\"/>e \u00e4r os\u00e4kra (kategori 1 och 2)<span class=\"__11 _f_10\"> </span>277 371<span class=\"__11 _627\"> </span>270 364<span class=\"__11 _624\"> </span>Os\u00e4kra l\u00e5nef<span class=\"__11 _617\"/>ordringar (kategori 3)<span class=\"__11 _628\"> </span>2 255<span class=\"__11 _629\"> </span>3 512<span class=\"__11 _624\"> </span>- vara<span class=\"__11 _617\"/>v reglerade<span class=\"__11 _630\"> </span>1 111<span class=\"__11 _631\"> </span>1 642<span class=\"__11 _624\"> </span>- vara<span class=\"__11 _617\"/>v oreglerade<span class=\"__11 _632\"> </span>1 144<span class=\"__11 _631\"> </span>1 870<span class=\"__11 _624\"> </span>Utl\u00e5ning f\u00f6re r<span class=\"__11 _617\"/>eserver<span class=\"__11 _633\"> </span>352 87<span class=\"__11 _617\"/>4<span class=\"__11 _634\"> </span>349 648<span class=\"__11 _624\"> </span>- vara<span class=\"__11 _617\"/>v cen<span class=\"__11 _617\"/>tralbanker och kreditins<span class=\"__11 _617\"/>titut<span class=\"__11 _635\"> </span>5 487<span class=\"__11 _631\"> </span>2 395<span class=\"__11 _624\"> </span>Reserver f<span class=\"__11 _617\"/>\u00f6r individuellt v\u00e4rder<span class=\"__11 _617\"/>ade l\u00e5nefor<span class=\"__11 _617\"/>dringar (kategori 3)<span class=\"__11 _636\"> </span>-1 045<span class=\"__11 _1a_7\"> </span>-1 610<span class=\"__11 _624\"> </span>- vara<span class=\"__11 _617\"/>v reglerade<span class=\"__11 _630\"> </span>-556<span class=\"__11 _1b_7\"> </span>-800<span class=\"__11 _624\"> </span>- vara<span class=\"__11 _617\"/>v oreglerade<span class=\"__11 _1c_7\"> </span><span class=\"ls7_10 ws9_10\">-489<span class=\"__11 _1d_7\"> </span></span>-810<span class=\"__11 _624\"> </span>Reserver f<span class=\"__11 _617\"/>\u00f6r gruppvisa v\u00e4rder<span class=\"__11 _617\"/>ade l\u00e5nefor<span class=\"__11 _617\"/>dringar (kategori 1 och 2)<span class=\"__11 _1e_7\"> </span>-628<span class=\"__11 _1f_7\"> </span>-596<span class=\"__11 _624\"> </span>Reserver<span class=\"__11 _637\"> </span>-1 673<span class=\"__11 _e_10\"> </span>-<span class=\"__11 _617\"/>2 206<span class=\"__11 _624\"> </span>- vara<span class=\"__11 _617\"/>v cen<span class=\"__11 _617\"/>tralbanker och kreditins<span class=\"__11 _617\"/>titut<span class=\"__11 _638\"> </span><span class=\"ls6_10 ws8_10\">-29<span class=\"__11 _639\"> </span></span>-3<span class=\"__11 _624\"> </span>Utl\u00e5ning, redovisat v<span class=\"__11 _617\"/>\u00e4rde<span class=\"__11 _640\"> </span>351 201<span class=\"__11 _641\"> </span>347 442<span class=\"__11 _624\"> </span>Nordea har l\u00e5nat ut 159 md euro (1<span class=\"__11 _617\"/>70 md euro) i h<span class=\"__11 _617\"/>ypoteksl\u00e5n. Inga kr<span class=\"__11 _617\"/>editer till f<span class=\"__11 _617\"/><span class=\"__11 _624\">\u00f6rmedlare eller off</span><span class=\"__11 _617\"/>en<span class=\"__11 _617\"/>tlig sekt<span class=\"__11 _617\"/>or har beviljats.<span class=\"__11 _624\"> </span>146<span class=\"__11 _624\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__11 _624\"> </span>Inledning<span class=\"__11 _616\"> </span><span class=\"__11 _624\">Aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5den<span class=\"__11 _618\"/><span class=\"ws3_10\">V<span class=\"__11 _617\"/>\u00e5ra in<span class=\"__11 _617\"/>tressent<span class=\"__11 _617\"/>er<span class=\"__11 _619\"> </span><span class=\"ff1_11\">Finansiella rapporter<span class=\"__11 _620\"/><span class=\"ff2_11 ws2_10\">F\u00f6rvaltningsber<span class=\"__11 _617\"/>\u00e4ttelse<span class=\"__11 _621\"> </span>H\u00e5llbarhetsnoter<span class=\"__11 _622\"> </span>\u00d6vrigt<span class=\"__11 _623\"/><span class=\"ws3_10\">Strategisk r<span class=\"__11 _617\"/>apport<span class=\"__11 _624\"> </span></span></span></span></span>K3.8 <span class=\"__11 _642\"> </span>R\u00e4nt<span class=\"__11 _617\"/>eb\u00e4rande v<span class=\"__11 _617\"/>\u00e4rdepapper<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>Instrument s<span class=\"__11 _617\"/>om enkelt kan \u00f6<span class=\"__11 _617\"/>verf\u00f6r<span class=\"__11 _617\"/>as och d\u00e4r innehav<span class=\"__11 _617\"/>aren a<span class=\"__11 _617\"/>v instrument<span class=\"__11 _617\"/>et erh\u00e5ller det nominella beloppet p\u00e5 f\u00f6rf<span class=\"__11 _617\"/>alloda-<span class=\"__11 _624\"> </span>gen redovisas normalt under balanspos<span class=\"__11 _617\"/>ten \u201dR\u00e4n<span class=\"__11 _617\"/>teb\u00e4rande v\u00e4rdepapper\u201d<span class=\"__11 _617\"/>. Instrumen<span class=\"__11 _617\"/>t som in<span class=\"__11 _617\"/>te kan \u00f6v<span class=\"__11 _617\"/>erf\u00f6ras eller s\u00e4ljas utan innehav<span class=\"__11 _617\"/>arens medgiv<span class=\"__11 _617\"/>ande normalt redovisas s<span class=\"__11 _617\"/>om utl\u00e5-<span class=\"__11 _624\"> </span>ning (se not K3.<span class=\"__11 _617\"/>7 \u201dUtl\u00e5ning\u201d). Vid \u00e5terk<span class=\"__11 _617\"/>\u00f6pstransak<span class=\"__11 _617\"/>tioner och v\u00e4rdepappersl\u00e5n \u00f6v<span class=\"__11 _617\"/>erf\u00f6rs icke-kon<span class=\"__11 _617\"/>tan<span class=\"__11 _617\"/>ta tillg\u00e5ngar som s\u00e4ker-<span class=\"__11 _624\"> </span>het. Om den mottagande parten har r\u00e4tt att s\u00e4lja eller i sin tur pants\u00e4tt<span class=\"__11 _617\"/>a tillg\u00e5ngen redovisas den i balansr<span class=\"__11 _617\"/>\u00e4kningen under posten \u201dP<span class=\"__11 _617\"/>antsa<span class=\"__11 _617\"/>tta \ufb01nansiella instrumen<span class=\"__11 _617\"/>t\u201d (se not K3.9 \u201dPan<span class=\"__11 _617\"/>t-<span class=\"__11 _624\"> </span>satta \ufb01nansiella instrumen<span class=\"__11 _617\"/>t\u201d).<span class=\"__11 _624\"> </span>F\u00f6r ytt<span class=\"__11 _617\"/>erligare inf<span class=\"__11 _617\"/>ormation om r<span class=\"__11 _617\"/>edovisningsprinciper<span class=\"__11 _625\"/>, se not K3.<span class=\"__11 _625\"/>1 \u201dRedovisning och bortbokning i balansr\u00e4kningen\u201d<span class=\"__11 _625\"/>, not K3.2 \u201d\u00d6verf\u00f6r<span class=\"__11 _617\"/>da tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>, not K3.3 \u201dKlas<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>si\ufb01cering och v\u00e4rdering\u201d och no<span class=\"__11 _617\"/>t K3.4 \u201dV<span class=\"__11 _617\"/>erkligt v<span class=\"__11 _617\"/>\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>R\u00e4nteb\u00e4r<span class=\"__11 _617\"/>ande v\u00e4rdepapper<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _643\"> </span>31 dec 2022<span class=\"__11 _644\"> </span>31 dec 2021<span class=\"__11 _624\"> </span>Stater<span class=\"__11 _625\"/>, kommuner och andra myndigheter<span class=\"__11 _645\"> </span><span class=\"ls0_11 ws0_11\">14 179<span class=\"__11 _646\"> </span></span>19 228<span class=\"__11 _624\"> </span>Hypoteksinstitut<span class=\"__11 _2a_5\"> </span>23 222<span class=\"__11 _2b_5\"> </span>21 412<span class=\"__11 _624\"> </span>\u00d6vriga kreditinstitut<span class=\"__11 _2c_5\"> </span>19 547<span class=\"__11 _2d_5\"> </span>18 245<span class=\"__11 _624\"> </span>F\u00f6ret<span class=\"__11 _617\"/>ag<span class=\"__11 _2e_5\"> </span>3 158<span class=\"__11 _2f_5\"> </span>2 433<span class=\"__11 _624\"> </span>\u00d6vriga<span class=\"__11 _647\"> </span>3 418<span class=\"__11 _648\"> </span>2 065<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _649\"> </span>63 524<span class=\"__11 _650\"> </span>63 383<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vs\u00e4ttningar f<span class=\"__11 _617\"/>\u00f6r kreditrisk<span class=\"__11 _617\"/><span class=\"__11 _624\">er uppgick till 3 mn euro (15 mn </span>euro).<span class=\"__11 _624\"> </span>K3.9 <span class=\"__11 _642\"> </span>P<span class=\"__11 _617\"/>antsa<span class=\"__11 _617\"/>tta \ufb01nansiella ins<span class=\"__11 _617\"/>trument<span class=\"__11 _624\"> </span>Redovisningsprinciper Vid \u00e5terk\u00f6ps<span class=\"__11 _617\"/>transak<span class=\"__11 _617\"/>tioner och v\u00e4rdepappersl\u00e5n \u00f6<span class=\"__11 _617\"/>verf\u00f6rs icke-<span class=\"__11 _624\"> </span>kont<span class=\"__11 _617\"/>anta tillg\u00e5ngar som s\u00e4k<span class=\"__11 _617\"/>erhet. Om den mottagande par-<span class=\"__11 _624\"> </span>ten har r\u00e4<span class=\"__11 _617\"/>tt att s\u00e4lja eller i sin tur pants\u00e4<span class=\"__11 _617\"/>tta tillg\u00e5ngen omklas<span class=\"ws3_10\">-<span class=\"__11 _624\"> </span></span>si\ufb01ceras den i balansr<span class=\"__11 _617\"/>\u00e4kningen till posten \u201dP<span class=\"__11 _617\"/>antsa<span class=\"__11 _617\"/>tta \ufb01nan-<span class=\"__11 _624\"> </span>siella instrument\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>F\u00f6r mer in<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>ormation om redovisningsprinciper<span class=\"__11 _625\"/>, se not K3.<span class=\"__11 _625\"/>1 \u201dRedovisning och bortbokning i balansr\u00e4kningen\u201d<span class=\"__11 _625\"/>, not K3.2 \u201d\u00d6verf\u00f6r<span class=\"__11 _617\"/>da tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>, not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d och no<span class=\"__11 _617\"/>t K3.4 \u201dV<span class=\"__11 _617\"/>erkligt v<span class=\"__11 _617\"/>\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Pan<span class=\"__11 _617\"/>tsatta \ufb01nansiella instrumen<span class=\"__11 _617\"/>t<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _643\"> </span>31 dec 2022<span class=\"__11 _644\"> </span>31 dec 2021<span class=\"__11 _624\"> </span>R\u00e4nteb\u00e4r<span class=\"__11 _617\"/>ande v\u00e4rdepapper<span class=\"__11 _651\"> </span>4 902<span class=\"__11 _2f_5\"> </span>1 668<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _652\"> </span>4 902<span class=\"__11 _648\"> </span>1 668<span class=\"__11 _624\"> </span>F\u00f6r in<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>ormation om \u00f6v<span class=\"__11 _617\"/>erf\u00f6rda tillg\u00e5ngar och om<span class=\"__11 _617\"/>v\u00e4nda \u00e5t<span class=\"__11 _617\"/>er-<span class=\"__11 _624\"> </span>k\u00f6psa<span class=\"__11 _617\"/>vtal, se not K3.2 \u201d\u00d6verf\u00f6r<span class=\"__11 _617\"/>da tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>K3.<span class=\"__11 _625\"/>10  Aktier och andelar<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>Balansposten \u201d<span class=\"__11 _625\"/>Ak<span class=\"__11 _617\"/>tier och andelar<span class=\"__11 _626\"/>\u201d innefa<span class=\"__11 _617\"/>ttar eget kapital-<span class=\"__11 _624\"> </span>instrument, det vill s\u00e4ga a<span class=\"__11 _617\"/>vtal som inneb\u00e4r en residual r<span class=\"__11 _617\"/>\u00e4tt i ett f\u00f6r<span class=\"__11 _617\"/>etags tillg\u00e5ngar efter a<span class=\"__11 _617\"/>vdr<span class=\"__11 _617\"/>ag f\u00f6r alla dess sk<span class=\"__11 _617\"/>ulder<span class=\"__11 _625\"/>, inklu-<span class=\"__11 _624\"> </span>sive inneha<span class=\"__11 _617\"/>v i olika fonder<span class=\"__11 _625\"/>, s\u00e5som andelar i en v\u00e4rdepappers-<span class=\"__11 _624\"> </span>fond eller riskkapit<span class=\"__11 _617\"/>alfond. <span class=\"__11 _617\"/>Ak<span class=\"__11 _617\"/>tier och andelar i intre<span class=\"__11 _617\"/>ssef\u00f6r<span class=\"__11 _617\"/>etag och joint ven<span class=\"__11 _617\"/>tures (s<span class=\"__11 _617\"/>e not K9.3 \u201d<span class=\"__11 _625\"/>Ak<span class=\"__11 _617\"/>tier och andelar i in<span class=\"__11 _617\"/>tresse-<span class=\"__11 _624\"> </span>f\u00f6r<span class=\"__11 _617\"/>etag och joint v<span class=\"__11 _617\"/>enture<span class=\"__11 _617\"/>s\u201d), aktier och andelar i konc<span class=\"__11 _617\"/>ernf<span class=\"__11 _617\"/>\u00f6re-<span class=\"__11 _624\"> </span>tag (se not K9.<span class=\"__11 _625\"/>1 \u201dKonsolider<span class=\"__11 _617\"/>ade f\u00f6r<span class=\"__11 _617\"/>etag\u201d) och inneha<span class=\"__11 _617\"/>v av aktier och f<span class=\"__11 _617\"/>ondandelar f<span class=\"__11 _617\"/>\u00f6r kunders r\u00e4kning (se no<span class=\"__11 _617\"/>t K3.<span class=\"__11 _625\"/>11 \u201dTill-<span class=\"__11 _624\"> </span>g\u00e5ngar och inl\u00e5ning i placeringsportf\u00f6ljer och f<span class=\"__11 _617\"/>ondf<span class=\"__11 _617\"/>\u00f6rs\u00e4k-<span class=\"__11 _624\"> </span>ringsavtal\u201d) r<span class=\"__11 _617\"/>edovisas emellertid int<span class=\"__11 _617\"/>e under \u201d<span class=\"__11 _625\"/>Ak<span class=\"__11 _617\"/>tier och andelar<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Vid \u00e5terk\u00f6ps<span class=\"__11 _617\"/>transak<span class=\"__11 _617\"/>tioner och v\u00e4rdepappersl\u00e5n \u00f6<span class=\"__11 _617\"/>verf\u00f6rs icke-kon<span class=\"__11 _617\"/>tanta till<span class=\"__11 _617\"/>g\u00e5ngar som s\u00e4kerhet. Om den mottagande parten har r\u00e4tt att s\u00e4lja eller i sin tur pan<span class=\"__11 _617\"/>ts\u00e4tt<span class=\"__11 _617\"/>a tillg\u00e5ngen omklassi\ufb01ceras den i balansr<span class=\"__11 _617\"/>\u00e4kningen till posten \u201dP<span class=\"__11 _617\"/>antsa<span class=\"__11 _617\"/>tta \ufb01nansiella instrument\u201d (se not K3.9 \u201dP<span class=\"__11 _617\"/>antsa<span class=\"__11 _617\"/>tta \ufb01nansiella instrument\u201d).<span class=\"__11 _624\"> </span>F\u00f6r ytt<span class=\"__11 _617\"/>erligare inf<span class=\"__11 _617\"/>ormation om r<span class=\"__11 _617\"/>edovisningsprinciper<span class=\"__11 _625\"/>, se not K3.<span class=\"__11 _625\"/>1 \u201dRedovisning och bortbokning i balansr\u00e4kningen\u201d<span class=\"__11 _625\"/>, not K3.2 \u201d\u00d6verf\u00f6r<span class=\"__11 _617\"/>da tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>, not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d och no<span class=\"__11 _617\"/>t K3.4 \u201dV<span class=\"__11 _617\"/>erkligt v\u00e4rde\u201d<span class=\"__11 _624\"> </span><span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Aktier och andelar<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _643\"> </span>31 dec 2022<span class=\"__11 _644\"> </span>31 dec 2021<span class=\"__11 _624\"> </span>Aktier <span class=\"__11 _616\"> </span>8 436<span class=\"__11 _653\"> </span>3 713<span class=\"__11 _624\"> </span>Fondandelar<span class=\"__11 _625\"/>, aktierelaterade<span class=\"__11 _654\"> </span>6 549<span class=\"__11 _2f_5\"> </span>7 967<span class=\"__11 _624\"> </span>Fondandelar<span class=\"__11 _625\"/>, r\u00e4nterelat<span class=\"__11 _617\"/>erade<span class=\"__11 _655\"> </span>2 939<span class=\"__11 _656\"> </span>3 537<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _3a_6\"> </span>17 924<span class=\"__11 _3b_5\"> </span>15 217<span class=\"__11 _624\"> </span>147<span class=\"__11 _624\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__11 _624\"> </span>Inledning<span class=\"__11 _616\"> </span><span class=\"__11 _624\">Aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5den<span class=\"__11 _618\"/><span class=\"ws3_10\">V<span class=\"__11 _617\"/>\u00e5ra in<span class=\"__11 _617\"/>tressent<span class=\"__11 _617\"/>er<span class=\"__11 _619\"> </span><span class=\"ff1_11\">Finansiella rapporter<span class=\"__11 _620\"/><span class=\"ff2_11 ws2_10\">F\u00f6rvaltningsber<span class=\"__11 _617\"/>\u00e4ttelse<span class=\"__11 _621\"> </span>H\u00e5llbarhetsnoter<span class=\"__11 _622\"> </span>\u00d6vrigt<span class=\"__11 _623\"/><span class=\"ws3_10\">Strategisk r<span class=\"__11 _617\"/>apport<span class=\"__11 _624\"> </span></span></span></span></span>K3.<span class=\"__11 _625\"/>11   <span class=\"__11 _3c_5\"/>Tillg\u00e5ngar och inl\u00e5ning i placeringsportf\u00f6ljer och f<span class=\"__11 _617\"/>ondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>I fr\u00e5ga om tillg\u00e5ngar och inl\u00e5ning inom r<span class=\"__11 _617\"/>amen f\u00f6r a<span class=\"__11 _617\"/>vtal med kunder om placeringsportf\u00f6ljer och f<span class=\"__11 _617\"/>ondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringar \u00e4r det kunderna och f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringstagarna som tar merparten a<span class=\"__11 _617\"/>v eller hela risken. F<span class=\"__11 _617\"/>ondf\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal med garan<span class=\"__11 _617\"/>tier eller \ufb01nan-<span class=\"__11 _624\"> </span>siella avtal s<span class=\"__11 _617\"/>om medf\u00f6r bety<span class=\"__11 _617\"/>dande f\u00f6rs\u00e4kringsrisk klassi\ufb01ce-<span class=\"__11 _624\"> </span>ras som f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal. Inl\u00e5ningsmedlen fr<span class=\"__11 _617\"/>\u00e5n kunderna inves<span class=\"__11 _617\"/>teras i olika typer a<span class=\"__11 _617\"/>v \ufb01nansiella tillg\u00e5ngar f<span class=\"__11 _617\"/>\u00f6r kundernas och f\u00f6rs\u00e4kringstagarnas r<span class=\"__11 _617\"/>\u00e4kning. Tillg\u00e5ngar och inl\u00e5ning enligt dessa avt<span class=\"__11 _617\"/>al redovisas och v\u00e4rder<span class=\"__11 _617\"/>as till verkligt v\u00e4r<span class=\"__11 _617\"/>de enligt beskrivningen i not K3.4 \u201dV<span class=\"__11 _617\"/>erkligt v\u00e4r<span class=\"__11 _617\"/>de\u201d<span class=\"__11 _625\"/>. F\u00f6r mer inf<span class=\"__11 _617\"/>orma<span class=\"__11 _617\"/>tion om skillnaden mellan f\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal och \ufb01nansiella a<span class=\"__11 _617\"/>vtal, se not K4 \u201dF\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Tillg\u00e5ngar och inl\u00e5ning i placeringsportf\u00f6ljer och fondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _3d_5\"> </span>31 dec 2022<span class=\"__11 _644\"> </span>31 dec 2021<span class=\"__11 _624\"> </span>Tillg\u00e5ngar<span class=\"__11 _624\"> </span>R\u00e4nteb\u00e4r<span class=\"__11 _617\"/>ande v\u00e4rdepapper<span class=\"__11 _3e_5\"> </span>1 949<span class=\"__11 _653\"> </span>1 431<span class=\"__11 _624\"> </span>Aktier och andelar<span class=\"__11 _3f_5\"> </span>38 887<span class=\"__11 _657\"> </span>44 7<span class=\"__11 _617\"/>48<span class=\"__11 _624\"> </span>F<span class=\"__11 _617\"/>astigheter<span class=\"__11 _658\"> </span>691<span class=\"__11 _659\"> </span>602<span class=\"__11 _624\"> </span>\u00d6vriga tillg\u00e5ngar<span class=\"__11 _660\"> </span>118<span class=\"__11 _661\"> </span>131<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _662\"> </span>41 645<span class=\"__11 _657\"> </span>46 912<span class=\"__11 _624\"> </span>Skulder<span class=\"__11 _624\"> </span>Placeringsportf\u00f6ljer<span class=\"__11 _663\"> </span>4 170<span class=\"__11 _648\"> </span>4 857<span class=\"__11 _624\"> </span>Fondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal<span class=\"__11 _664\"> </span>38 606<span class=\"__11 _650\"> </span>43 344<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _665\"> </span><span class=\"ls0_11 ws0_11\">42 7<span class=\"__11 _626\"/>76<span class=\"__11 _657\"> </span></span>48 201<span class=\"__11 _624\"> </span>I balansr\u00e4kningen f<span class=\"__11 _617\"/>\u00f6r livf\u00f6rs\u00e4kringsverksamheten och f<span class=\"__11 _617\"/>\u00f6r Nordea Danmark, \ufb01lial till Nordea Bank Abp<span class=\"__11 _617\"/>, Finland redovi-<span class=\"__11 _624\"> </span>sas tillg\u00e5ngar och skulder f<span class=\"__11 _617\"/>\u00f6r vilka kunderna b\u00e4r risken. E<span class=\"__11 _617\"/>fter-<span class=\"__11 _624\"> </span>som tillg\u00e5ngarna och skulderna juridisk<span class=\"__11 _617\"/>t sett tillh\u00f6r f<span class=\"__11 _617\"/>\u00f6retagen, redovisas dessa tillg\u00e5ngar och sk<span class=\"__11 _617\"/>ulder i Nordeas balansr\u00e4kning.<span class=\"__11 _624\"> </span>F\u00f6r mer in<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>ormation om verkligt v<span class=\"__11 _617\"/>\u00e4rde f<span class=\"__11 _617\"/>\u00f6r placeringsport-<span class=\"__11 _624\"> </span>f\u00f6ljer och f<span class=\"__11 _617\"/>ondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal, se no<span class=\"__11 _617\"/>t K5.3 \u201dF\u00f6rvaltningsf<span class=\"__11 _617\"/>astighet<span class=\"__11 _617\"/>er<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>K3.<span class=\"__11 _625\"/>12<span class=\"fs6_10\">  </span>Derivatinstrumen<span class=\"__11 _617\"/>t<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>Ett derivatins<span class=\"__11 _617\"/>trument \u00e4r ett \ufb01nansiell<span class=\"__11 _617\"/>t instrument eller anna<span class=\"__11 _617\"/>t avtal s<span class=\"__11 _617\"/>om har alla tre f<span class=\"__11 _617\"/>\u00f6ljande k\u00e4nnetecken:<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">Dess v\u00e4rde f<span class=\"__11 _617\"/>\u00f6r\u00e4ndr<span class=\"__11 _617\"/>as till f<span class=\"__11 _617\"/>\u00f6ljd av en f<span class=\"__11 _617\"/>\u00f6r\u00e4ndring i en angiv<span class=\"__11 _617\"/>en </span>variabel, ex<span class=\"__11 _617\"/>empelvis r<span class=\"__11 _617\"/>\u00e4nt<span class=\"__11 _617\"/>a, kurs p\u00e5 \ufb01nansiellt instrumen<span class=\"__11 _617\"/>t, r\u00e5<span class=\"__11 _617\"/>varupris, v<span class=\"__11 _617\"/>\u00e4xelk<span class=\"__11 _617\"/>urs, pris- eller r\u00e4nt<span class=\"__11 _617\"/>eindex, kr<span class=\"__11 _617\"/>editbetyg eller kreditinde<span class=\"__11 _617\"/>x, f\u00f6rutsa<span class=\"__11 _617\"/>tt att \u2013 i fr<span class=\"__11 _617\"/>\u00e5ga om en icke-\ufb01nansiell vari<span class=\"ws3_10\">-<span class=\"__11 _624\"> </span></span>abel \u2013 den inte \u00e4r speci\ufb01k f<span class=\"__11 _617\"/>\u00f6r n\u00e5gon a<span class=\"__11 _617\"/>v a<span class=\"__11 _617\"/>vtalsparterna (s\u00e5 kallad \u201dunderliggande variabel\u201d);<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">Det kr\u00e4<span class=\"__11 _617\"/>ver ingen initial nettoin<span class=\"__11 _617\"/>vest<span class=\"__11 _617\"/>ering eller en initial net<span class=\"ws3_10\">-<span class=\"__11 _624\"> </span></span></span>toinve<span class=\"__11 _617\"/>stering som \u00e4r mindr<span class=\"__11 _617\"/>e \u00e4n vad som skulle kr<span class=\"__11 _617\"/>\u00e4<span class=\"__11 _617\"/>vas f<span class=\"__11 _617\"/>\u00f6r andra typer a<span class=\"__11 _617\"/>v a<span class=\"__11 _617\"/>vtal som kan f<span class=\"__11 _617\"/>\u00f6rv\u00e4ntas r<span class=\"__11 _617\"/>eagera p\u00e5 liknande s\u00e4tt p\u00e5 f<span class=\"__11 _617\"/>\u00f6r\u00e4ndringar i marknadsf<span class=\"__11 _617\"/>akt<span class=\"__11 _617\"/>orer; och \u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">A<span class=\"__11 _617\"/>vvecklingen sk<span class=\"__11 _617\"/>er i fram<span class=\"__11 _617\"/>tiden.<span class=\"__11 _624\"> </span></span>Samtliga deriv<span class=\"__11 _617\"/>at redovisas i balansr<span class=\"__11 _617\"/>\u00e4kningen och v\u00e4r<span class=\"__11 _617\"/>deras till verkligt v\u00e4r<span class=\"__11 _617\"/>de. Derivat med positivt v<span class=\"__11 _617\"/>erkligt v\u00e4rde, inkl<span class=\"__11 _617\"/>usive upplupen r\u00e4n<span class=\"__11 _617\"/>ta, redovisas p\u00e5 tillg\u00e5ngssidan under pos<span class=\"__11 _617\"/>ten \u201dDerivatins<span class=\"__11 _617\"/>trument\u201d<span class=\"__11 _625\"/>. Derivat med negativt verkligt v<span class=\"__11 _617\"/>\u00e4rde, inklusive upplupen r<span class=\"__11 _617\"/>\u00e4nta, r<span class=\"__11 _617\"/>edovisas p\u00e5 skuldsidan under pos-<span class=\"__11 _624\"> </span>ten \u201dDeriva<span class=\"__11 _617\"/>tinstrument\u201d<span class=\"__11 _625\"/>. Vid v\u00e4rderingen a<span class=\"__11 _617\"/>v derivat till v<span class=\"__11 _617\"/>erk-<span class=\"__11 _624\"> </span>ligt v\u00e4rde g\u00f6r Nor<span class=\"__11 _617\"/>dea justeringar i f<span class=\"__11 _617\"/>orm a<span class=\"__11 _617\"/>v s\u00e5 kallade credit value adjustmen<span class=\"__11 _617\"/>ts (<span class=\"__11 _617\"/>CV<span class=\"__11 _625\"/>A) och debit value adjustmen<span class=\"__11 _617\"/>ts (DV<span class=\"__11 _625\"/>A). CV<span class=\"__11 _617\"/>A<span class=\"__11 _617\"/> och DV<span class=\"__11 _625\"/>A<span class=\"__11 _617\"/> speglar hur motpartens kreditrisk re<span class=\"__11 _617\"/>spektiv<span class=\"__11 _617\"/>e Nordeas egen kreditv<span class=\"__11 _617\"/>\u00e4rdighet p\u00e5<span class=\"__11 _617\"/>verkar deriva<span class=\"__11 _617\"/>tets verkliga v\u00e4rde. F<span class=\"__11 _617\"/>\u00f6r ytterligare in<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>ormation om ber\u00e4kningen och \u00f6<span class=\"__11 _617\"/>vriga XV<span class=\"__11 _625\"/>A, se not K3.4 \u201dVerkligt v<span class=\"__11 _617\"/>\u00e4rde\u201d<span class=\"__11 _625\"/>. Realiserade och or<span class=\"__11 _617\"/>ealiserade vins<span class=\"__11 _617\"/>ter och f<span class=\"__11 _617\"/>\u00f6rluster p\u00e5 deri-<span class=\"__11 _624\"> </span>vat r<span class=\"__11 _617\"/>edovisas i resul<span class=\"__11 _617\"/>tatr\u00e4kningen under pos<span class=\"__11 _617\"/>ten \u201dNettor<span class=\"__11 _617\"/>esultat av pos<span class=\"__11 _617\"/>ter till verkligt v<span class=\"__11 _617\"/>\u00e4rde\u201d<span class=\"__11 _625\"/>. F\u00f6r mer in<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>ormation om redo<span class=\"__11 _617\"/>vis-<span class=\"__11 _624\"> </span>ningsprinciper och kritiska bed\u00f6mningar<span class=\"__11 _625\"/>, se not K3.4 \u201dV<span class=\"__11 _617\"/>erkligt v\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Derivatins<span class=\"__11 _617\"/>trument<span class=\"__11 _624\"> </span>V<span class=\"__11 _617\"/>erkligt v\u00e4rde Nominellt belopp<span class=\"__11 _666\"/>31 dec 2022, mn euro<span class=\"__11 _4a_3\"> </span>Positivt<span class=\"__11 _4b_3\"> </span>Negativt<span class=\"__11 _624\"> </span>Derivat som in<span class=\"__11 _617\"/>te anv<span class=\"__11 _617\"/>\u00e4nds f\u00f6r s\u00e4kringsredovisning<span class=\"__11 _4c_3\"> </span>204 938<span class=\"__11 _4b_3\"> </span>206 220<span class=\"__11 _4d_3\"> </span>6 998 966<span class=\"__11 _624\"> </span>Derivat som an<span class=\"__11 _617\"/>v\u00e4nds f\u00f6r s\u00e4kringsredovisning<span class=\"__11 _4e_3\"> </span>6 606<span class=\"__11 _2d_5\"> </span>7 965<span class=\"__11 _4f_3\"> </span>213 147<span class=\"__11 _624\"> </span>Summa bruttobelopp<span class=\"__11 _667\"> </span>211 544<span class=\"__11 _668\"> </span>214 185<span class=\"__11 _669\"> </span>7 212 113<span class=\"__11 _624\"> </span>Kvitt<span class=\"__11 _617\"/>at belopp<span class=\"__11 _654\"> </span>-17<span class=\"__11 _617\"/>4 966<span class=\"__11 _670\"> </span>-17<span class=\"__11 _625\"/>4 083<span class=\"__11 _624\"> </span>Summa derivatinstrumen<span class=\"__11 _617\"/>t<span class=\"__11 _1f_7\"> </span>36 578<span class=\"__11 _671\"> </span>40 102<span class=\"__11 _669\"> </span>7 212 113<span class=\"__11 _624\"> </span>V<span class=\"__11 _617\"/>erkligt v\u00e4rde Nominellt belopp<span class=\"__11 _666\"/>31 dec 2021, mn euro<span class=\"__11 _672\"> </span>Positivt<span class=\"__11 _4b_3\"> </span>Negativt<span class=\"__11 _624\"> </span>Derivat som in<span class=\"__11 _617\"/>te anv<span class=\"__11 _617\"/>\u00e4nds f\u00f6r s\u00e4kringsredovisning<span class=\"__11 _673\"> </span>91 430<span class=\"__11 _674\"> </span>91 275<span class=\"__11 _675\"> </span>6 303 553<span class=\"__11 _624\"> </span>Derivat som an<span class=\"__11 _617\"/>v\u00e4nds f\u00f6r s\u00e4kringsredovisning<span class=\"__11 _676\"> </span>2 513<span class=\"__11 _5a_3\"> </span>1 753<span class=\"__11 _5b_3\"> </span>285 932<span class=\"__11 _624\"> </span>Summa bruttobelopp<span class=\"__11 _5c_3\"> </span>93 943<span class=\"__11 _5d_3\"> </span>93 028<span class=\"__11 _4d_3\"> </span>6 589 485<span class=\"__11 _624\"> </span>Kvitt<span class=\"__11 _617\"/>at belopp<span class=\"__11 _651\"> </span>-63 7<span class=\"__11 _625\"/>4<span class=\"__11 _626\"/>3<span class=\"__11 _5e_3\"> </span>-61 543<span class=\"__11 _624\"> </span>Summa derivatinstrumen<span class=\"__11 _617\"/>t<span class=\"__11 _1b_7\"> </span>30 200<span class=\"__11 _5f_3\"> </span>31 485<span class=\"__11 _4d_3\"> </span>6 589 485<span class=\"__11 _624\"> </span>148<span class=\"__11 _624\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__11 _624\"> </span>Inledning<span class=\"__11 _616\"> </span><span class=\"__11 _624\">Aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5den<span class=\"__11 _618\"/><span class=\"ws3_10\">V<span class=\"__11 _617\"/>\u00e5ra in<span class=\"__11 _617\"/>tressent<span class=\"__11 _617\"/>er<span class=\"__11 _619\"> </span><span class=\"ff1_11\">Finansiella rapporter<span class=\"__11 _620\"/><span class=\"ff2_11 ws2_10\">F\u00f6rvaltningsber<span class=\"__11 _617\"/>\u00e4ttelse<span class=\"__11 _621\"> </span>H\u00e5llbarhetsnoter<span class=\"__11 _622\"> </span>\u00d6vrigt<span class=\"__11 _623\"/><span class=\"ws3_10\">Strategisk r<span class=\"__11 _617\"/>apport<span class=\"__11 _624\"> </span></span></span></span></span>Nordea anv<span class=\"__11 _617\"/>\u00e4nder derivatins<span class=\"__11 _617\"/>trument i handels- och riskhan<span class=\"__11 _617\"/>te-<span class=\"__11 _624\"> </span>ringssyfte. Nordea kan ta positioner med f<span class=\"__11 _617\"/>\u00f6rv\u00e4ntning om a<span class=\"__11 _617\"/>tt g\u00f6ra en vinst p\u00e5 gynnsamma f<span class=\"__11 _617\"/>\u00f6r\u00e4ndringar i ak<span class=\"__11 _617\"/>tie- eller val<span class=\"__11 _617\"/>u-<span class=\"__11 _624\"> </span>takurser<span class=\"__11 _625\"/>, r\u00e4ntor eller inde<span class=\"__11 _617\"/>x. Handelsportf\u00f6ljen han<span class=\"__11 _617\"/>teras s<span class=\"__11 _617\"/>om handelsrisk i riskhanteringssyfte. Deriv<span class=\"__11 _617\"/>atinstrumen<span class=\"__11 _617\"/>t som inne<span class=\"ws3_10\">-<span class=\"__11 _624\"> </span></span>has i riskhanteringssyfte innef<span class=\"__11 _617\"/>attar dels s\u00e4kringar s<span class=\"__11 _617\"/>om upp-<span class=\"__11 _624\"> </span>fyller kriterierna f<span class=\"__11 _617\"/>\u00f6r s\u00e4kringsredovisning, dels s\u00e5 kallade ek<span class=\"__11 _617\"/>o-<span class=\"__11 _624\"> </span>nomiska s\u00e4kringar<span class=\"__11 _625\"/>, som inte uppfyller kriterierna f<span class=\"__11 _617\"/>\u00f6r s\u00e4kringsredovisning.<span class=\"__11 _624\"> </span>T<span class=\"__11 _625\"/>abellen nedan visar derivatins<span class=\"__11 _617\"/>trumentens v<span class=\"__11 _617\"/>erkliga v\u00e4rde och nominella belopp. De nominella beloppen anger utes<span class=\"__11 _617\"/>t\u00e5-<span class=\"__11 _624\"> </span>ende transak<span class=\"__11 _617\"/>tionsvolym vid \u00e5r<span class=\"__11 _617\"/>ets slut och ger int<span class=\"__11 _617\"/>e n\u00e5gon indi<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>kation om var<span class=\"__11 _617\"/>e sig marknadsrisk eller kreditrisk. Derivatins<span class=\"__11 _617\"/>tru<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>menten delas upp i deriv<span class=\"__11 _617\"/>at som in<span class=\"__11 _617\"/>te anv<span class=\"__11 _617\"/>\u00e4nds f\u00f6r s\u00e4kringsr<span class=\"__11 _617\"/>edo<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>visning och derivat som an<span class=\"__11 _617\"/>v\u00e4nds f<span class=\"__11 _617\"/>\u00f6r s\u00e4kringsredovisning. F<span class=\"__11 _617\"/>\u00f6r mer inf<span class=\"__11 _617\"/>ormation om deriv<span class=\"__11 _617\"/>at som anv<span class=\"__11 _617\"/>\u00e4nds f\u00f6r s\u00e4kringsr<span class=\"__11 _617\"/>edovis-<span class=\"__11 _624\"> </span>ning, se not K3.6 \u201dS\u00e4kringsredo<span class=\"__11 _617\"/>visning\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>V<span class=\"__11 _617\"/>erkligt v\u00e4r<span class=\"__11 _617\"/>de och nominellt belopp f<span class=\"__11 _617\"/>\u00f6r derivat i denna no<span class=\"__11 _617\"/>t avser f<span class=\"__11 _617\"/>r\u00e5n och med 2022 deriv<span class=\"__11 _617\"/>atens v<span class=\"__11 _617\"/>\u00e4rde f<span class=\"__11 _617\"/>\u00f6re kvittning mellan tillg\u00e5ngar och skulder i balansr\u00e4kningen (brutt<span class=\"__11 _617\"/>obelopp) och inte som tidigar<span class=\"__11 _617\"/>e efter kvittning. Sk\u00e4let \u00e4r a<span class=\"__11 _617\"/>tt bruttobeloppet b\u00e4ttre speglar <span class=\"ws7_10\">Nordea</span>s e<span class=\"__11 _617\"/>xponering. J\u00e4m<span class=\"__11 _617\"/>f\u00f6r<span class=\"__11 _617\"/><span class=\"__11 _624\">elsesiffr</span><span class=\"__11 _617\"/>orna har r\u00e4k-<span class=\"__11 _624\"> </span>nats om p\u00e5 motsv<span class=\"__11 _617\"/>arande s\u00e4tt.<span class=\"__11 _624\"> </span>K3.<span class=\"__11 _617\"/>12  Derivatinstrumen<span class=\"__11 _617\"/>t, forts.<span class=\"__11 _624\"> </span>K3.<span class=\"__11 _625\"/>13  Skulder till kreditinstitut<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>Skulder till kreditins<span class=\"__11 _617\"/>titut innefa<span class=\"__11 _617\"/>ttar skulder till cen<span class=\"__11 _617\"/>tralbank<span class=\"__11 _617\"/>er<span class=\"__11 _625\"/>, banker<span class=\"__11 _625\"/>, kreditmarknadsbolag, kreditbolag, \ufb01nansbolag och hypoteksins<span class=\"__11 _617\"/>titut. Inl\u00e5ning klassi\ufb01ceras i enlighet med not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>F\u00f6r ytt<span class=\"__11 _617\"/>erligare redovisningsprinciper<span class=\"__11 _625\"/>, se not K3.<span class=\"__11 _625\"/>1 \u201dRedovis-<span class=\"__11 _624\"> </span>ning och bortbokning i balansr\u00e4kningen\u201d<span class=\"__11 _625\"/>, not K3.2 \u201d\u00d6verf\u00f6rda tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter<span class=\"__11 _626\"/>\u201d och not K3.4 \u201dV<span class=\"__11 _617\"/>erkligt v\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Derivat som in<span class=\"__11 _617\"/>te an<span class=\"__11 _617\"/>v\u00e4nds f<span class=\"__11 _617\"/>\u00f6r s\u00e4kringsredovisning<span class=\"__11 _624\"> </span>V<span class=\"__11 _617\"/>erkligt v\u00e4rde Nominellt belopp<span class=\"__11 _666\"/>31 dec 2022, mn euro<span class=\"__11 _4a_3\"> </span>Positivt<span class=\"__11 _4b_3\"> </span>Negativt<span class=\"__11 _624\"> </span>R\u00e4ntederiva<span class=\"__11 _617\"/>t<span class=\"__11 _624\"> </span>R\u00e4ntesw<span class=\"__11 _617\"/>appar<span class=\"__11 _677\"> </span>181 687<span class=\"__11 _668\"> </span><span class=\"ls0_11 ws0_11\">179 4<span class=\"__11 _626\"/>2<span class=\"__11 _626\"/>3<span class=\"__11 _678\"> </span></span>4 149 868<span class=\"__11 _624\"> </span>FRA<span class=\"__11 _679\"> </span>3 687<span class=\"__11 _3b_5\"> </span>4 124<span class=\"__11 _675\"> </span>1 455 868<span class=\"__11 _624\"> </span>T<span class=\"__11 _625\"/>erminer<span class=\"__11 _680\"> </span>34<span class=\"__11 _641\"> </span>66<span class=\"__11 _668\"> </span>103 027<span class=\"__11 _624\"> </span>Optioner<span class=\"__11 _681\"> </span>6 311<span class=\"__11 _646\"> </span>6 267<span class=\"__11 _5e_3\"> </span>371 724<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _621\"> </span>191 719<span class=\"__11 _682\"> </span>189 880<span class=\"__11 _4d_3\"> </span>6 080 487<span class=\"__11 _624\"> </span>Aktiederiva<span class=\"__11 _617\"/>t<span class=\"__11 _624\"> </span>Aktiesw<span class=\"__11 _617\"/>appar<span class=\"__11 _683\"> </span>352<span class=\"__11 _684\"> </span>306<span class=\"__11 _671\"> </span>18 964<span class=\"__11 _624\"> </span>T<span class=\"__11 _625\"/>erminer<span class=\"__11 _685\"> </span>5<span class=\"__11 _686\"> </span>9<span class=\"__11 _6a_3\"> </span>703<span class=\"__11 _624\"> </span>Optioner<span class=\"__11 _6b_3\"> </span>122<span class=\"__11 _6c_3\"> </span>413<span class=\"__11 _6d_3\"> </span>4 394<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _6e_3\"> </span>479<span class=\"__11 _6a_3\"> </span>728<span class=\"__11 _5f_3\"> </span>2<span class=\"__11 _617\"/>4 061<span class=\"__11 _624\"> </span>V<span class=\"__11 _617\"/>alutaderiv<span class=\"__11 _617\"/>at<span class=\"__11 _624\"> </span>V<span class=\"__11 _617\"/>aluta<span class=\"__11 _617\"/>- och r\u00e4nt<span class=\"__11 _617\"/>eswappar<span class=\"__11 _6f_3\"> </span>7 459<span class=\"__11 _657\"> </span>8 806<span class=\"__11 _682\"> </span>334 844<span class=\"__11 _624\"> </span>V<span class=\"__11 _617\"/>aluta<span class=\"__11 _617\"/>terminer<span class=\"__11 _687\"> </span>3 506<span class=\"__11 _2b_5\"> </span>4 741<span class=\"__11 _4b_3\"> </span>370 760<span class=\"__11 _624\"> </span>Optioner<span class=\"__11 _680\"> </span>94<span class=\"__11 _661\"> </span>81<span class=\"__11 _671\"> </span>10 499<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _688\"> </span>11 059<span class=\"__11 _5f_3\"> </span>13 628<span class=\"__11 _689\"> </span>716 103<span class=\"__11 _624\"> </span>\u00d6vriga derivat<span class=\"__11 _624\"> </span>Kreditderiva<span class=\"__11 _617\"/>t (CDS)<span class=\"__11 _690\"> </span>1 663<span class=\"__11 _691\"> </span>1 917<span class=\"__11 _5e_3\"> </span>1<span class=\"__11 _617\"/>78 128<span class=\"__11 _624\"> </span>R\u00e5v<span class=\"__11 _617\"/>aruderivat<span class=\"__11 _664\"> </span>10<span class=\"__11 _627\"> </span>37<span class=\"__11 _692\"> </span>125<span class=\"__11 _624\"> </span>\u00d6vriga derivat<span class=\"__11 _693\"> </span>8<span class=\"__11 _694\"> </span>30<span class=\"__11 _694\"> </span>62<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _695\"> </span>1 681<span class=\"__11 _6d_3\"> </span>1 984<span class=\"__11 _5e_3\"> </span>178 315<span class=\"__11 _624\"> </span>Summa derivat som in<span class=\"__11 _617\"/>te anv<span class=\"__11 _617\"/>\u00e4nds f\u00f6r s\u00e4kringsredo<span class=\"__11 _617\"/>visning<span class=\"__11 _696\"> </span>204 938<span class=\"__11 _7a_3\"> </span>206 220<span class=\"__11 _4d_3\"> </span><span class=\"wsc_10\">6 998 966<span class=\"__11 _624\"> </span></span>V<span class=\"__11 _617\"/>erkligt v\u00e4rde Nominellt belopp<span class=\"__11 _666\"/>31 dec 2021, mn euro<span class=\"__11 _672\"> </span>Positivt<span class=\"__11 _4b_3\"> </span>Negativt<span class=\"__11 _624\"> </span>R\u00e4ntederiva<span class=\"__11 _617\"/>t<span class=\"__11 _624\"> </span>R\u00e4ntesw<span class=\"__11 _617\"/>appar<span class=\"__11 _3e_5\"> </span>75 045<span class=\"__11 _5d_3\"> </span>73 486<span class=\"__11 _644\"> </span>3 629 671<span class=\"__11 _624\"> </span>FRA<span class=\"__11 _7b_3\"> </span>220<span class=\"__11 _684\"> </span><span class=\"ls6_10 ws8_10\">24<span class=\"__11 _626\"/>0<span class=\"__11 _7c_3\"> </span></span>1 220 039<span class=\"__11 _624\"> </span>T<span class=\"__11 _625\"/>erminer<span class=\"__11 _7d_4\"> </span>10<span class=\"__11 _694\"> </span>36<span class=\"__11 _5d_3\"> </span>80 269<span class=\"__11 _624\"> </span>Optioner<span class=\"__11 _688\"> </span>3 364<span class=\"__11 _7e_3\"> </span>3 808<span class=\"__11 _682\"> </span>409 479<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _2c_5\"> </span>78 639<span class=\"__11 _7f_4\"> </span>77 570<span class=\"__11 _697\"> </span>5 339 458<span class=\"__11 _624\"> </span>Aktiederiva<span class=\"__11 _617\"/>t<span class=\"__11 _624\"> </span>Aktiesw<span class=\"__11 _617\"/>appar<span class=\"__11 _698\"> </span>210<span class=\"__11 _6c_3\"> </span>273<span class=\"__11 _674\"> </span>16 315<span class=\"__11 _624\"> </span>T<span class=\"__11 _625\"/>erminer<span class=\"__11 _699\"> </span>1<span class=\"__11 _661\"> </span>19<span class=\"__11 _5a_3\"> </span>1 210<span class=\"__11 _624\"> </span>Optioner<span class=\"__11 _6b_3\"> </span>137<span class=\"__11 _6a_3\"> </span>563<span class=\"__11 _646\"> </span>9 015<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _6e_3\"> </span>348<span class=\"__11 _684\"> </span>855<span class=\"__11 _700\"> </span>26 540<span class=\"__11 _624\"> </span>V<span class=\"__11 _617\"/>alutaderiv<span class=\"__11 _617\"/>at<span class=\"__11 _624\"> </span>V<span class=\"__11 _617\"/>aluta<span class=\"__11 _617\"/>- och r\u00e4nt<span class=\"__11 _617\"/>eswappar<span class=\"__11 _6f_3\"> </span>4 875<span class=\"__11 _646\"> </span>5 570<span class=\"__11 _4b_3\"> </span>368 437<span class=\"__11 _624\"> </span>V<span class=\"__11 _617\"/>aluta<span class=\"__11 _617\"/>terminer<span class=\"__11 _687\"> </span>3 028<span class=\"__11 _2b_5\"> </span>2 541<span class=\"__11 _689\"> </span>382 221<span class=\"__11 _624\"> </span>Optioner<span class=\"__11 _701\"> </span>104<span class=\"__11 _702\"> </span>121<span class=\"__11 _703\"> </span>15 179<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _704\"> </span>8 007<span class=\"__11 _2d_5\"> </span>8 2<span class=\"__11 _626\"/>32<span class=\"__11 _4b_3\"> </span>765 837<span class=\"__11 _624\"> </span>\u00d6vriga derivat<span class=\"__11 _624\"> </span>Kreditderiva<span class=\"__11 _617\"/>t (CDS)<span class=\"__11 _705\"> </span>4 430<span class=\"__11 _646\"> </span>4 567<span class=\"__11 _700\"> </span>171 167<span class=\"__11 _624\"> </span>R\u00e5v<span class=\"__11 _617\"/>aruderivat<span class=\"__11 _706\"> </span>4<span class=\"__11 _694\"> </span><span class=\"ls8_10 wsd_10\">42<span class=\"__11 _8a_3\"> </span></span>499<span class=\"__11 _624\"> </span>\u00d6vriga derivat<span class=\"__11 _706\"> </span>2<span class=\"__11 _686\"> </span>9<span class=\"__11 _627\"> </span><span class=\"ls9_10 wse_10\">52<span class=\"__11 _624\"> </span></span>Summa<span class=\"__11 _704\"> </span>4 436<span class=\"__11 _6d_3\"> </span>4 618<span class=\"__11 _4f_3\"> </span>171 718<span class=\"__11 _624\"> </span>Summa derivat som in<span class=\"__11 _617\"/>te anv<span class=\"__11 _617\"/>\u00e4nds f\u00f6r s\u00e4kringsredo<span class=\"__11 _617\"/>visning<span class=\"__11 _639\"> </span>91 430<span class=\"__11 _8b_3\"> </span>91 275<span class=\"__11 _678\"> </span>6 303 553<span class=\"__11 _624\"> </span>Skulder till kreditinstitut<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _8c_3\"> </span>31 dec 2022<span class=\"__11 _8d_3\"> </span>31 dec 2021<span class=\"__11 _624\"> </span>Centralbank<span class=\"__11 _617\"/>er<span class=\"__11 _7b_3\"> </span>16 418<span class=\"__11 _5f_3\"> </span>15 998<span class=\"__11 _624\"> </span>Banker<span class=\"__11 _8e_3\"> </span>15 107<span class=\"__11 _5f_3\"> </span>10 002<span class=\"__11 _624\"> </span>\u00d6vriga kreditinstitut<span class=\"__11 _8f_3\"> </span>1 344<span class=\"__11 _6a_3\"> </span>961<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _707\"> </span>32 869<span class=\"__11 _5f_3\"> </span>26 961<span class=\"__11 _624\"> </span>K3.<span class=\"__11 _625\"/>16  \u00d6vriga skulder<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>\u00d6vriga skulder \u00e4r skulder som in<span class=\"__11 _617\"/>te upp<span class=\"__11 _617\"/>fyller kriterierna f\u00f6r<span class=\"__11 _624\"> </span>n\u00e5gon av de \u00f6<span class=\"__11 _617\"/>vriga skuldpost<span class=\"__11 _617\"/>erna.<span class=\"__11 _624\"> </span>F\u00f6r ytt<span class=\"__11 _617\"/>erligare redovisningsprinciper<span class=\"__11 _625\"/>, se not K3.<span class=\"__11 _625\"/>1 \u201dRedovis-<span class=\"__11 _624\"> </span>ning och bortbokning i balansr\u00e4kningen\u201d<span class=\"__11 _625\"/>, not K3.3 \u201dKlassi\ufb01ce-<span class=\"__11 _624\"> </span>ring och v\u00e4rdering\u201d och no<span class=\"__11 _617\"/>t K3.4 \u201dV<span class=\"__11 _617\"/>erkligt v\u00e4r<span class=\"__11 _617\"/>de\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>\u00d6vriga skulder<span class=\"__11 _624\"> </span>31 dec 2022, mn euro<span class=\"__11 _624\"> </span>Finansiella<span class=\"__11 _624\"> </span>skulder<span class=\"__11 _624\"> </span>Icke<span class=\"__11 _624\"> </span>\ufb01nansiella<span class=\"__11 _624\"> </span>skulder<span class=\"__11 _648\"> </span><span class=\"lsa_10 wsf_10\">To<span class=\"__11 _708\"/>t<span class=\"__11 _708\"/>a<span class=\"__11 _708\"/>l<span class=\"__11 _624\"> </span></span>Fondlikvidskulder<span class=\"__11 _655\"> </span>1 626<span class=\"__11 _709\"> </span>\u2013<span class=\"__11 _3b_5\"> </span>1 626<span class=\"__11 _624\"> </span>S\u00e5lda ej innehav<span class=\"__11 _617\"/>da v\u00e4rdepapper<span class=\"__11 _641\"> </span>5 221<span class=\"__11 _709\"> </span>\u2013<span class=\"__11 _5a_3\"> </span>5 221<span class=\"__11 _624\"> </span>Leveran<span class=\"__11 _617\"/>t\u00f6rsskulder<span class=\"__11 _655\"> </span>485<span class=\"__11 _709\"> </span>\u2013<span class=\"__11 _684\"> </span>485<span class=\"__11 _624\"> </span>Erh\u00e5llna marginals\u00e4kerheter<span class=\"__11 _629\"> </span>4 498<span class=\"__11 _710\"> </span>\u2013<span class=\"__11 _7e_3\"> </span>4 498<span class=\"__11 _624\"> </span>Leasingskulder<span class=\"__11 _687\"> </span>1 080<span class=\"__11 _710\"> </span>\u2013<span class=\"__11 _646\"> </span>1 080<span class=\"__11 _624\"> </span>\u00d6vriga<span class=\"__11 _680\"> </span><span class=\"ls0_11 ws0_11\">2 517<span class=\"__11 _691\"> </span></span>1 377<span class=\"__11 _6d_3\"> </span>3 894<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _711\"> </span>15 427<span class=\"__11 _5a_3\"> </span>1 377<span class=\"__11 _5d_3\"> </span>16 804<span class=\"__11 _624\"> </span>31 dec 2021, mn euro<span class=\"__11 _624\"> </span>Finansiella<span class=\"__11 _624\"> </span>skulder<span class=\"__11 _624\"> </span>Icke<span class=\"__11 _624\"> </span>\ufb01nansiella<span class=\"__11 _624\"> </span>skulder<span class=\"__11 _648\"> </span><span class=\"lsa_10 wsf_10\">To<span class=\"__11 _708\"/>t<span class=\"__11 _708\"/>a<span class=\"__11 _708\"/>l<span class=\"__11 _624\"> </span></span>Fondlikvidskulder<span class=\"__11 _654\"> </span>1 154<span class=\"__11 _710\"> </span>\u2013<span class=\"__11 _712\"> </span>1 154<span class=\"__11 _624\"> </span>S\u00e5lda ej innehav<span class=\"__11 _617\"/>da v\u00e4rdepapper<span class=\"__11 _713\"> </span>7 906<span class=\"__11 _709\"> </span>\u2013<span class=\"__11 _2d_5\"> </span>7 906<span class=\"__11 _624\"> </span>Leveran<span class=\"__11 _617\"/>t\u00f6rsskulder<span class=\"__11 _714\"> </span>139<span class=\"__11 _709\"> </span>\u2013<span class=\"__11 _6c_3\"> </span>139<span class=\"__11 _624\"> </span>Erh\u00e5llna marginals\u00e4kerheter<span class=\"__11 _1b_7\"> </span>3 506<span class=\"__11 _710\"> </span>\u2013<span class=\"__11 _6d_3\"> </span>3 506<span class=\"__11 _624\"> </span>Leasingskulder<span class=\"__11 _715\"> </span>1 147<span class=\"__11 _709\"> </span>\u2013<span class=\"__11 _691\"> </span>1 147<span class=\"__11 _624\"> </span>\u00d6vriga<span class=\"__11 _716\"> </span>2 328<span class=\"__11 _646\"> </span>2 305<span class=\"__11 _2d_5\"> </span>4 633<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _688\"> </span>16 180<span class=\"__11 _646\"> </span>2 305<span class=\"__11 _671\"> </span>18 485<span class=\"__11 _624\"> </span>K3.<span class=\"__11 _625\"/>17  Efterst\u00e4llda skulder<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>Efterst\u00e4llda sk<span class=\"__11 _617\"/>ulder \u00e4r \ufb01nansiella skulder f<span class=\"__11 _617\"/>\u00f6r vilka det fr<span class=\"__11 _617\"/>am-<span class=\"__11 _624\"> </span>g\u00e5r av a<span class=\"__11 _617\"/>vtalet a<span class=\"__11 _617\"/>tt de i h\u00e4ndelse a<span class=\"__11 _617\"/>v likvidation eller konk<span class=\"__11 _617\"/>urs<span class=\"__11 _624\"> </span>inte \u00e5<span class=\"__11 _617\"/>terbetalas f<span class=\"__11 _617\"/>\u00f6rr\u00e4n sam<span class=\"__11 _617\"/>tliga \u00e5taganden gen<span class=\"__11 _617\"/>temot andr<span class=\"__11 _617\"/>a<span class=\"__11 _624\"> </span>for<span class=\"__11 _617\"/>drings\u00e4gare har fullgjorts.<span class=\"__11 _624\"> </span>F\u00f6r ytt<span class=\"__11 _617\"/>erligare redovisningsprinciper<span class=\"__11 _625\"/>, se not K3.<span class=\"__11 _625\"/>1 \u201dRedo-<span class=\"__11 _624\"> </span>visning och bortbokning i balansr\u00e4kningen\u201d och not K3.3<span class=\"__11 _624\"> </span>\u201dKlassi\ufb01cering och v\u00e4rdering\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>F\u00f6r en s\u00e4kr<span class=\"__11 _617\"/>ad post i en s\u00e4kring a<span class=\"__11 _617\"/>v verkligt v<span class=\"__11 _617\"/>\u00e4rde p\u00e5 mikro-<span class=\"__11 _624\"> </span>niv\u00e5, v\u00e4r<span class=\"__11 _617\"/>deras den s\u00e4krade risk<span class=\"__11 _617\"/>en till verkligt v\u00e4r<span class=\"__11 _617\"/>de och redo<span class=\"__11 _624\"> </span>-<span class=\"__11 _624\"> </span>visas p\u00e5 raden \u201dF<span class=\"__11 _617\"/>\u00f6r\u00e4ndringar a<span class=\"__11 _617\"/>v verkligt v<span class=\"__11 _617\"/>\u00e4rde f<span class=\"__11 _617\"/>\u00f6r mikros\u00e4k<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>ringar av r<span class=\"__11 _617\"/>\u00e4nt<span class=\"__11 _617\"/>erisk\u201d i tabellen nedan (f\u00f6r ytt<span class=\"__11 _617\"/>erligare inf<span class=\"__11 _617\"/>orma<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>tion, se not K3.6 \u201dS\u00e4kringsredo<span class=\"__11 _617\"/>visning\u201d). F\u00f6r mer in<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>ormation<span class=\"__11 _624\"> </span>om de kritiska bed\u00f6mningar som kr\u00e4<span class=\"__11 _617\"/>vs f<span class=\"__11 _617\"/>\u00f6r att bed\u00f6ma om e<span class=\"__11 _624\"> </span>n<span class=\"__11 _624\"> </span>efterst\u00e4lld skuld sk<span class=\"__11 _617\"/>a klassi\ufb01ceras som en sk<span class=\"__11 _617\"/>uld eller som ege<span class=\"__11 _624\"> </span>t<span class=\"__11 _624\"> </span>kapital, se not K3.3 \u201dKlassi\ufb01cering och v<span class=\"__11 _617\"/>\u00e4rdering\u201d<span class=\"__11 _624\"> </span><span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Efterst\u00e4llda sk<span class=\"__11 _617\"/>ulder<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _8c_3\"> </span>31 dec 2022<span class=\"__11 _8d_3\"> </span>31 dec 202<span class=\"__11 _624\"> </span>1<span class=\"__11 _624\"> </span>K\u00e4rnprim\u00e4rkapital<span class=\"__11 _7d_4\"> </span>2 600<span class=\"__11 _646\"> </span>2 44<span class=\"__11 _624\"> </span>7<span class=\"__11 _624\"> </span>Supplement\u00e4rt kapital<span class=\"__11 _621\"> </span>3 295<span class=\"__11 _3b_5\"> </span>4 272<span class=\"__11 _624\"> </span>\u00d6vriga efterst\u00e4llda skulder<span class=\"__11 _664\"> </span>10<span class=\"__11 _709\"> </span>\u2013<span class=\"__11 _624\"> </span>F\u00f6r\u00e4ndringar a<span class=\"__11 _617\"/>v verkligt v<span class=\"__11 _617\"/>\u00e4rde f<span class=\"__11 _617\"/>\u00f6r<span class=\"__11 _624\"> </span>mikros\u00e4kringar av r<span class=\"__11 _617\"/>\u00e4nterisk<span class=\"__11 _9a_3\"> </span>-504<span class=\"__11 _713\"> </span>131<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _8e_3\"> </span>5 401<span class=\"__11 _657\"> </span>6 85<span class=\"__11 _624\"> </span>0<span class=\"__11 _624\"> </span>F\u00f6r mer in<span class=\"__11 _617\"/>formation, s<span class=\"__11 _617\"/>e not M3.<span class=\"__11 _625\"/>14 \u201cEfterst\u00e4llda skulder\u201d<span class=\"__11 _624\"> </span><span class=\"__11 _617\"/>.<span class=\"__11 _624\"> </span>K3.<span class=\"__11 _625\"/>15  Emitterade v\u00e4rdepapper<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>Emitterade v<span class=\"__11 _617\"/>\u00e4rdepapper \u00e4r instrumen<span class=\"__11 _617\"/>t som Nordea emitter<span class=\"__11 _617\"/>at<span class=\"__11 _624\"> </span>och som enkelt kan \u00f6<span class=\"__11 _617\"/>verf\u00f6r<span class=\"__11 _617\"/>as utan Nordeas medgiv<span class=\"__11 _617\"/>ande.<span class=\"__11 _624\"> </span>Emitterade v<span class=\"__11 _617\"/>\u00e4rdepapper klassi\ufb01ceras i enlighet med no<span class=\"__11 _617\"/>t K3.3<span class=\"__11 _624\"> </span>\u201dKlassi\ufb01cering och v\u00e4rdering\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>F\u00f6r en s\u00e4kr<span class=\"__11 _617\"/>ad post i en s\u00e4kring a<span class=\"__11 _617\"/>v verkligt v<span class=\"__11 _617\"/>\u00e4rde p\u00e5 mikro-<span class=\"__11 _624\"> </span>niv\u00e5, v\u00e4r<span class=\"__11 _617\"/>deras den s\u00e4krade risk<span class=\"__11 _617\"/>en till verkligt v\u00e4r<span class=\"__11 _617\"/>de och redo-<span class=\"__11 _624\"> </span>visas p\u00e5 raden \u201dF<span class=\"__11 _617\"/>\u00f6r\u00e4ndringar a<span class=\"__11 _617\"/>v verkligt v<span class=\"__11 _617\"/>\u00e4rde f<span class=\"__11 _617\"/>\u00f6r mikros\u00e4k<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>ringar av r<span class=\"__11 _617\"/>\u00e4nt<span class=\"__11 _617\"/>erisk\u201d i tabellen nedan (f\u00f6r ytt<span class=\"__11 _617\"/>erligare inf<span class=\"__11 _617\"/>orma<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>tion, se not K3.6 \u201dS\u00e4kringsredo<span class=\"__11 _617\"/>visning\u201d).<span class=\"__11 _624\"> </span>F\u00f6r ytt<span class=\"__11 _617\"/>erligare redovisningsprinciper<span class=\"__11 _625\"/>, se not K3.<span class=\"__11 _625\"/>1 \u201dRedovis-<span class=\"__11 _624\"> </span>ning och bortbokning i balansr\u00e4kningen\u201d och not K3.4 \u201dV<span class=\"__11 _625\"/>erk-<span class=\"__11 _624\"> </span>ligt v\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Emitterade v\u00e4r<span class=\"__11 _617\"/>depapper<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _8c_3\"> </span>31 dec 2022<span class=\"__11 _8d_3\"> </span>31 dec 2021<span class=\"__11 _624\"> </span>Bankcerti\ufb01kat<span class=\"__11 _9b_3\"> </span>36 930<span class=\"__11 _5d_3\"> </span>26 863<span class=\"__11 _624\"> </span>F\u00f6ret<span class=\"__11 _617\"/>agscerti\ufb01kat<span class=\"__11 _7d_4\"> </span>13 991<span class=\"__11 _674\"> </span>11 336<span class=\"__11 _624\"> </span>S\u00e4kerst\u00e4llda obligationer <span class=\"__11 _9c_4\"> </span>108 100<span class=\"__11 _668\"> </span>114 308<span class=\"__11 _624\"> </span>Senior icke-prioriterad sk<span class=\"__11 _617\"/>uld<span class=\"__11 _651\"> </span>11 126<span class=\"__11 _3b_5\"> </span>6 182<span class=\"__11 _624\"> </span>Senior icke-s\u00e4kerst\u00e4llda obligationer<span class=\"__11 _9d_3\"> </span>13 620<span class=\"__11 _8b_3\"> </span>17 067<span class=\"__11 _624\"> </span>\u00d6vriga<span class=\"__11 _9e_3\"> </span>34<span class=\"__11 _694\"> </span>36<span class=\"__11 _624\"> </span>F\u00f6r\u00e4ndringar a<span class=\"__11 _617\"/>v verkligt v<span class=\"__11 _617\"/>\u00e4rde f<span class=\"__11 _617\"/>\u00f6r<span class=\"__11 _624\"> </span>mikros\u00e4kringar av r<span class=\"__11 _617\"/>\u00e4nterisk<span class=\"__11 _3e_5\"> </span>-3 998<span class=\"__11 _6c_3\"> </span><span class=\"ls0_11 ws0_11\">573<span class=\"__11 _624\"> </span></span>Summa<span class=\"__11 _658\"> </span>179 803<span class=\"__11 _9f_3\"> </span>176 365<span class=\"__11 _624\"> </span>K3.<span class=\"__11 _625\"/>14 <span class=\"__11 _642\"> </span>In- och uppl\u00e5ning f<span class=\"__11 _617\"/>r\u00e5n allm\u00e4nheten<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>Inl\u00e5ning fr\u00e5n allm\u00e4nheten de<span class=\"__11 _617\"/>\ufb01nieras som medel p\u00e5 inl\u00e5nings-<span class=\"__11 _624\"> </span>kont<span class=\"__11 _617\"/>on som omf<span class=\"__11 _617\"/>attas a<span class=\"__11 _617\"/>v den s<span class=\"__11 _617\"/>tatliga ins\u00e4ttnings<span class=\"__11 _617\"/>garan<span class=\"__11 _617\"/>tin, men<span class=\"__11 _624\"> </span>innefa<span class=\"__11 _617\"/>ttar ocks\u00e5 belopp ut\u00f6v<span class=\"__11 _617\"/>er de enskilda beloppsgr\u00e4nserna.<span class=\"__11 _624\"> </span>\u00c4<span class=\"__11 _617\"/>ven individuell<span class=\"__11 _617\"/>t pensionssparande (IPS) ing\u00e5r<span class=\"__11 _625\"/>. Uppl\u00e5ning \u00e4r<span class=\"__11 _624\"> </span>andra skulder till allm\u00e4nhet<span class=\"__11 _617\"/>en \u00e4n skuldinstrumen<span class=\"__11 _617\"/>t. Inl\u00e5ning<span class=\"__11 _624\"> </span>klassi\ufb01ceras i enlighet med no<span class=\"__11 _617\"/>t K3.3 \u201dKlassi\ufb01cering och<span class=\"__11 _624\"> </span>v\u00e4rdering\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>F\u00f6r ytt<span class=\"__11 _617\"/>erligare redovisningsprinciper<span class=\"__11 _625\"/>, se not K3.<span class=\"__11 _625\"/>1 \u201dRedovis-<span class=\"__11 _624\"> </span>ning och bortbokning i balansr\u00e4kningen\u201d<span class=\"__11 _625\"/>, not K3.2 \u201d\u00d6verf\u00f6rda<span class=\"__11 _624\"> </span>tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter<span class=\"__11 _626\"/>\u201d och not K3.4 \u201dV<span class=\"__11 _617\"/>erkligt<span class=\"__11 _624\"> </span>v\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _8c_3\"> </span>31 dec 2022<span class=\"__11 _8d_3\"> </span>31 dec 2021<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Inl\u00e5ning1</span><span class=\"__11 _a0_3\"> </span>212 444<span class=\"__11 _682\"> </span>204 496<span class=\"__11 _624\"> </span>\u00c5terk\u00f6psa<span class=\"__11 _617\"/>vtal<span class=\"__11 _a1_3\"> </span>5 020<span class=\"__11 _3b_5\"> </span>1 305<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _658\"> </span>217 464<span class=\"__11 _4b_3\"> </span>205 801<span class=\"__11 _624\"> </span>1)  Inl\u00e5ning avseende individuellt pensionssparande (IPS) ing\u00e5r ocks\u00e5.<span class=\"__11 _624\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-601": {
   "value": "K3.1   Redovisning och bortbokning  i balansr\u00e4kningen Redovisningsprinciper Aff\u00e4rsdagsredovisning till\u00e4mpas vid redovisning och bortbok- ning av derivatinstrument, b\u00f6rsnoterade v\u00e4rdepapper och  avistatransaktioner i utl\u00e4ndsk valuta, och en tillg\u00e5ng eller  skuld redovisas i balansr\u00e4kningen under \u201d\u00d6vriga tillg\u00e5ngar\u201d  eller \u201d\u00d6vriga skulder\u201d mellan aff\u00e4rsdagen och likviddagen.  \u00d6vriga \ufb01nansiella instrument redovisas i balansr\u00e4kningen p\u00e5  likviddagen. Finansiella tillg\u00e5ngar, andra \u00e4n de f\u00f6r vilka aff\u00e4rsdagsredo- visning till\u00e4mpas, bokas bort fr\u00e5n balansr\u00e4kningen n\u00e4r den  avtalsenliga r\u00e4tten till kassafl\u00f6det fr\u00e5n de \ufb01nansiella tillg\u00e5ng- arna upph\u00f6r att g\u00e4lla eller \u00f6verf\u00f6rs till annan part. R\u00e4tten till  kassafl\u00f6det upph\u00f6r att g\u00e4lla eller \u00f6verf\u00f6rs vanligen n\u00e4r mot- parten har uppfyllt sin del av avtalet genom att t.ex. betala  tillbaka ett l\u00e5n till Nordea, dvs. p\u00e5 likviddagen.  L\u00e5n och andra \ufb01nansiella tillg\u00e5ngar d\u00e4r kassafl\u00f6dena har  justerats, eller som ing\u00e5r i en rekonstruktion, bokas bort fr\u00e5n  balansr\u00e4kningen, och ett nytt l\u00e5n redovisas om villkoren f\u00f6r  det nya l\u00e5net v\u00e4sentligen skiljer sig fr\u00e5n de tidigare villkoren.  Normalt brukar detta ske om nuv\u00e4rdet av kassafl\u00f6det fr\u00e5n  det nya l\u00e5net, diskonterat med den ursprungliga r\u00e4ntan, skil- jer sig mer \u00e4n 10 procent fr\u00e5n nuv\u00e4rdet av det \u00e5terst\u00e5ende  f\u00f6rv\u00e4ntade kassafl\u00f6det fr\u00e5n det gamla l\u00e5net. Samma princi- per g\u00e4ller f\u00f6r \ufb01nansiella skulder. Villkoren anses \u00e4ven skilja  sig \u00e5t v\u00e4sentligt f\u00f6r \ufb01nansiella tillg\u00e5ngar, d\u00e4r det justerade  kassafl\u00f6det endast utg\u00f6rs av betalning av kapitalbelopp och  r\u00e4nta (SPPI), medan detta inte var fallet f\u00f6r det ursprungliga  kassafl\u00f6det och vice versa. I vissa fall genomf\u00f6rs transaktioner d\u00e4r Nordea \u00f6verf\u00f6r till- g\u00e5ngar som redovisas i balansr\u00e4kningen, men samtidigt  beh\u00e5ller antingen hela eller delar av risken och r\u00e4ttigheterna  f\u00f6rknippade med de \u00f6verf\u00f6rda tillg\u00e5ngarna. Om alla eller i  stort sett alla risker och r\u00e4ttigheter beh\u00e5lls, bokas inte de  \u00f6verf\u00f6rda tillg\u00e5ngarna bort fr\u00e5n balansr\u00e4kningen. Om  Nordeas motpart kan s\u00e4lja eller pants\u00e4tta de \u00f6verf\u00f6rda till- g\u00e5ngarna p\u00e5 nytt, omklassi\ufb01ceras tillg\u00e5ngarna i balansr\u00e4k- ningen till \u201dPantsatta \ufb01nansiella instrument\u201d. \u00d6verf\u00f6ring av  tillg\u00e5ngar med bibeh\u00e5llande av alla eller i stort sett alla risker  och r\u00e4ttigheter omfattar bl.a. avtal om v\u00e4rdepappersl\u00e5n och  \u00e5terk\u00f6psavtal. Finansiella skulder bokas bort fr\u00e5n balansr\u00e4kningen n\u00e4r de  upph\u00f6r. Normalt sker detta n\u00e4r Nordea fullg\u00f6r sin del av avta- let, till exempel n\u00e4r Nordea \u00e5terbetalar inl\u00e5ning till motpar- ten, dvs. p\u00e5 likviddagen.  F\u00f6rs\u00e4ljning av v\u00e4rdepapper som inte \u00e4gs av Nordea de\ufb01- nieras som blankning och redovisas som en tradingrelaterad  skuld (s\u00e5lda, ej innehavda v\u00e4rdepapper) under \u201d\u00d6vriga skul- der\u201d i balansr\u00e4kningen. Blankningen t\u00e4cks i allm\u00e4nhet geno m  en transaktion avseende v\u00e4rdepappers\ufb01nansiering (SFT),  oftast ett omv\u00e4nt \u00e5terk\u00f6psavtal eller andra typer av avtal om  inl\u00e5ning av v\u00e4rdepapper.  ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-602": {
   "value": "I vissa fall genomf\u00f6rs transaktioner d\u00e4r Nordea \u00f6verf\u00f6r till- g\u00e5ngar som redovisas i balansr\u00e4kningen, men samtidigt  beh\u00e5ller antingen hela eller delar av risken och r\u00e4ttigheterna  f\u00f6rknippade med de \u00f6verf\u00f6rda tillg\u00e5ngarna. Om alla eller i  stort sett alla risker och r\u00e4ttigheter beh\u00e5lls, bokas inte de  \u00f6verf\u00f6rda tillg\u00e5ngarna bort fr\u00e5n balansr\u00e4kningen. Om  Nordeas motpart kan s\u00e4lja eller pants\u00e4tta de \u00f6verf\u00f6rda till- g\u00e5ngarna p\u00e5 nytt, omklassi\ufb01ceras tillg\u00e5ngarna i balansr\u00e4k- ningen till \u201dPantsatta \ufb01nansiella instrument\u201d. \u00d6verf\u00f6ring av  tillg\u00e5ngar med bibeh\u00e5llande av alla eller i stort sett alla risker  och r\u00e4ttigheter omfattar bl.a. avtal om v\u00e4rdepappersl\u00e5n och  \u00e5terk\u00f6psavtal. K3.2   \u00d6verf\u00f6rda tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter Redovisningsprinciper  Tillg\u00e5ngar anses vara \u00f6verf\u00f6rda fr\u00e5n Nordea om Nordea  antingen \u00f6verf\u00f6r den kontraktsenliga r\u00e4ttigheten att erh\u00e5lla  kassafl\u00f6den fr\u00e5n tillg\u00e5ngen eller beh\u00e5ller den r\u00e4ttigheten  men har en kontraktsenlig skyldighet att betala kassafl\u00f6dena  till en eller flera parter. Alla tillg\u00e5ngar som \u00f6verf\u00f6rts redovisas  fortsatt i balansr\u00e4kningen om Nordeas exponering f\u00f6r f\u00f6r\u00e4nd- ringar i verkligt v\u00e4rde f\u00f6r tillg\u00e5ngen kvarst\u00e5r.  Erh\u00e5llen s\u00e4kerhet redovisas inte i balansr\u00e4kningen s\u00e5vida  inte Nordea har en exponering f\u00f6r f\u00f6r\u00e4ndringar i verkligt  v\u00e4rde f\u00f6r tillg\u00e5ngen. F\u00f6r information om pantsatta \ufb01nansiella instrument, se not  K3.9 \u201dPantsatta \ufb01nansiella instrument\u201d . ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRepurchaseAndReverseRepurchaseAgreementsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-605": {
   "value": "K3.2   \u00d6verf\u00f6rda tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter Redovisningsprinciper  Tillg\u00e5ngar anses vara \u00f6verf\u00f6rda fr\u00e5n Nordea om Nordea  antingen \u00f6verf\u00f6r den kontraktsenliga r\u00e4ttigheten att erh\u00e5lla  kassafl\u00f6den fr\u00e5n tillg\u00e5ngen eller beh\u00e5ller den r\u00e4ttigheten  men har en kontraktsenlig skyldighet att betala kassafl\u00f6dena  till en eller flera parter. Alla tillg\u00e5ngar som \u00f6verf\u00f6rts redovisas  fortsatt i balansr\u00e4kningen om Nordeas exponering f\u00f6r f\u00f6r\u00e4nd- ringar i verkligt v\u00e4rde f\u00f6r tillg\u00e5ngen kvarst\u00e5r.  Erh\u00e5llen s\u00e4kerhet redovisas inte i balansr\u00e4kningen s\u00e5vida  inte Nordea har en exponering f\u00f6r f\u00f6r\u00e4ndringar i verkligt  v\u00e4rde f\u00f6r tillg\u00e5ngen. F\u00f6r information om pantsatta \ufb01nansiella instrument, se not  K3.9 \u201dPantsatta \ufb01nansiella instrument\u201d . \u00d6verf\u00f6rda tillg\u00e5ngar som fortsatt redovisas  i balansr\u00e4kningen samt h\u00e4nf\u00f6rliga skulder  \u00c5terk\u00f6psavtal \u00e4r en form av inl\u00e5ning mot s\u00e4kerhet d\u00e4r  Nordea s\u00e4ljer v\u00e4rdepapper med avtal om att till ett fast pris  \u00e5terk\u00f6pa dessa vid ett senare datum.  Avtal om utl\u00e5ning av v\u00e4rdepapper \u00e4r transaktioner d\u00e4r  Nordea l\u00e5nar ut v\u00e4rdepapper till en motpart och erh\u00e5ller en  avgift. Avtal om v\u00e4rdepappersl\u00e5n inneb\u00e4r i allm\u00e4nhet st\u00e4l- lande av s\u00e4kerhet.  Eftersom b\u00e5de \u00e5terk\u00f6psavtal och v\u00e4rdepappersl\u00e5n inneb\u00e4r  att v\u00e4rdepappren \u00e5terl\u00e4mnas till Nordea, kvarst\u00e5r alla risker  och r\u00e4ttigheter f\u00f6rknippade med de \u00f6verf\u00f6rda instrumenten  hos Nordea, \u00e4ven om de inte \u00e4r tillg\u00e4ngliga f\u00f6r Nordea under  den period d\u00e5 de \u00e4r \u00f6verf\u00f6rda. Motparten i transaktionen  innehar v\u00e4rdepappren som s\u00e4kerhet, men har inte n\u00e5gon r\u00e4tt  till andra tillg\u00e5ngar i Nordea. V\u00e4rdepapper som har l\u00e4mnats  enligt \u00e5terk\u00f6psavtal och avtal om v\u00e4rdepappersl\u00e5n bokas  d\u00e4rf\u00f6r inte bort fr\u00e5n balansr\u00e4kningen. Om motparten har r\u00e4tt  att s\u00e4lja vidare eller pants\u00e4tta v\u00e4rdepappren p\u00e5 nytt, omklas- si\ufb01ceras dessa till posten \u201dPantsatta \ufb01nansiella instrument\u201d i  balansr\u00e4kningen. V\u00e4rdepapper som har l\u00e4mnats enligt \u00e5ter- k\u00f6psavtal och avtal om v\u00e4rdepappersl\u00e5n redovisas ocks\u00e5 i not  K7.3 \u201dSt\u00e4llda s\u00e4kerheter\u201d. Likvida medel som har erh\u00e5llits  enligt \u00e5terk\u00f6psavtal och avtal om v\u00e4rdepappersl\u00e5n redovisas  i balansr\u00e4kningen under \u201dSkulder till kreditinstitut\u201d eller \u201dIn-  och uppl\u00e5ning fr\u00e5n allm\u00e4nheten\u201d.  I derivattransaktioner levererar Nordea s\u00e4kerheter som  enligt villkoren i avtalen kan s\u00e4ljas eller pants\u00e4ttas p\u00e5 nytt.  Dessa utg\u00f6r i huvudsak s\u00e4kerheter som erh\u00e5lls enligt s\u00e4rskil- da s\u00e4kerhetsavtal. \u00d6verf\u00f6rda tillg\u00e5ngar som har redovisats i balansr\u00e4kningen Mn euro 31 dec 2022 31 dec 2021 \u00c5terk\u00f6psavtal R\u00e4nteb\u00e4rande v\u00e4rdepapper 4 672 1 668 Avtal om utl\u00e5ning av v\u00e4rdepapper R\u00e4nteb\u00e4rande v\u00e4rdepapper1 230 \u2013 Summa 4 902 1 668 Skulder h\u00e4nf\u00f6rliga till tillg\u00e5ngarna2 Mn euro 31 dec 2022 31 dec 2021 \u00c5terk\u00f6psavtal 4 674 1 669 Avtal om utl\u00e5ning av v\u00e4rdepapper1 230 \u2013 Summa 4 904 1 669 Netto -2 -1 1) J\u00e4mf\u00f6relsesiffror har inte r\u00e4knats om.   2) Skulder f\u00f6re kvittning mellan tillg\u00e5ngar och skulder i balansr\u00e4kningen. Erh\u00e5llna s\u00e4kerheter som kan s\u00e4ljas eller pants\u00e4ttas p\u00e5 nytt Nordea erh\u00e5ller s\u00e4kerheter enligt omv\u00e4nda \u00e5terk\u00f6psavtal och avtal om v\u00e4rdepappersl\u00e5n, vilka kan s\u00e4ljas eller pants\u00e4ttas p\u00e5 nytt i enlighet med avtalsvillkoren. Transaktionerna genomf\u00f6rs enligt standardavtal som anv\u00e4nds av parterna p\u00e5 den \ufb01nansiella mark- naden. Vanligtvis kr\u00e4ver avtalen ytterligare s\u00e4kerheter om v\u00e4rdet p\u00e5 v\u00e4rdepapper sjunker under en f\u00f6rutbest\u00e4md niv\u00e5. Enligt stan- dardavtalen f\u00f6r de flesta \u00e5terk\u00f6psavtal har mottagaren av s\u00e4ker- heten ovillkorlig r\u00e4tt att s\u00e4lja eller \u00e5terpants\u00e4tta s\u00e4kerheten, f\u00f6rut- satt att likv\u00e4rdiga v\u00e4rdepapper \u00f6verf\u00f6rs vid likvidtillf\u00e4llet. V\u00e4rdepapper som erh\u00e5llits enligt omv\u00e4nda \u00e5terk\u00f6psavtal och avtal om v\u00e4rdepappersl\u00e5n redovisas inte i balansr\u00e4kning- en. Likvida medel som har l\u00e4mnats enligt omv\u00e4nda \u00e5terk\u00f6psav- tal och avtal om v\u00e4rdepappersl\u00e5n redovisas i balansr\u00e4kningen under \u201dUtl\u00e5ning till centralbanker\u201d, \u201dUtl\u00e5ning till kreditinstitut\u201d eller \u201dUtl\u00e5ning till allm\u00e4nheten\u201d. Det verkliga v\u00e4rdet p\u00e5 erh\u00e5llna s\u00e4kerheter enligt omv\u00e4nda \u00e5terk\u00f6psavtal och avtal om v\u00e4rdepappersl\u00e5n upplyses om nedan. Nordea erh\u00e5ller ocks\u00e5 s\u00e4kerheter enligt andra avtal, vilka kan s\u00e4ljas eller pants\u00e4ttas p\u00e5 nytt i enlighet med avtals- villkoren. Dessa utg\u00f6r i huvudsak s\u00e4kerheter som erh\u00e5lls enligt s\u00e4kerhetsavtal i samband med derivattransaktioner. De erh\u00e5ll- na s\u00e4kerheterna som presenteras i tabellen nedan \u00e4r inte redo- visade i balansr\u00e4kningen. Erh\u00e5llna s\u00e4kerheter som inte \u00e4r redovisade i balansr\u00e4kningen1 Mn euro 31 dec 2022 31 dec 2021 Omv\u00e4nda \u00e5terk\u00f6psavtal Erh\u00e5llna s\u00e4kerheter som kan s\u00e4ljas eller pants\u00e4ttas p\u00e5 nytt 25 520 21 739 - varav s\u00e5lda eller pantsatta p\u00e5 nytt 18 849 10 978 Avtal om v\u00e4rdepappersl\u00e5n Erh\u00e5llna s\u00e4kerheter som kan s\u00e4ljas eller pants\u00e4ttas p\u00e5 nytt 1 003 2 834 - varav s\u00e5lda eller pantsatta p\u00e5 nytt 445 183 \u00d6vriga avtal Erh\u00e5llna s\u00e4kerheter som kan s\u00e4ljas eller pants\u00e4ttas p\u00e5 nytt 834 864 - varav s\u00e5lda eller pantsatta p\u00e5 nytt 320 202 Summa 27 357 25 437 1) Erh\u00e5llna s\u00e4kerheter emitterade av Nordea \u00e4r fr\u00e5n \u00e5r 2022 inkluderade i tabellen. J\u00e4mf\u00f6- relsesiffrorna har r\u00e4knats om p\u00e5 motsvarande s\u00e4tt. K3.2   \u00d6verf\u00f6rda tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter, forts. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRepurchaseAndReverseRepurchaseAgreementsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-606": {
   "value": "K3.2 <span class=\"__10 _a_9\"> </span> <span class=\"__10 _b_9\"/>\u00d6verf\u00f6r<span class=\"__10 _471\"/>da tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter<span class=\"__10 _469\"> </span>Redovisningsprinciper<span class=\"__10 _469\"> </span> Tillg\u00e5ngar anses var<span class=\"__10 _471\"/>a \u00f6verf<span class=\"__10 _471\"/>\u00f6rda fr<span class=\"__10 _471\"/>\u00e5n Nordea om Nordea<span class=\"__10 _469\"> </span> antingen \u00f6v<span class=\"__10 _d_9\"/>er<span class=\"__10 _c_9\"/>f\u00f6r den kon<span class=\"__10 _d_9\"/>traktsenliga r<span class=\"__10 _471\"/>\u00e4ttigheten a<span class=\"__10 _471\"/>tt erh\u00e5lla<span class=\"__10 _469\"> </span> kassafl\u00f6den fr<span class=\"__10 _471\"/>\u00e5n tillg\u00e5ngen eller beh\u00e5ller den r\u00e4ttighet<span class=\"__10 _d_9\"/>en<span class=\"__10 _469\"> </span> men har en kontr<span class=\"__10 _d_9\"/>aktsenlig skyldighet att betala kassafl\u00f6dena<span class=\"__10 _469\"> </span> till en eller flera parter<span class=\"__10 _d_9\"/>. Alla tillg\u00e5ngar som \u00f6<span class=\"__10 _471\"/>verf\u00f6rts redovisas<span class=\"__10 _469\"> </span> fortsatt i balansr<span class=\"__10 _471\"/>\u00e4kningen om Nordeas e<span class=\"__10 _471\"/>xponering f\u00f6r f<span class=\"__10 _d_9\"/>\u00f6r\u00e4nd-<span class=\"__10 _469\"> </span>ringar i verkligt v\u00e4r<span class=\"__10 _471\"/>de f\u00f6r tillg\u00e5ngen kv<span class=\"__10 _d_9\"/>ar<span class=\"__10 _c_9\"/>st\u00e5r<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span> Erh\u00e5llen s\u00e4kerhet redovisas in<span class=\"__10 _d_9\"/>te i balansr\u00e4kningen s\u00e5vida<span class=\"__10 _469\"> </span> inte Nor<span class=\"__10 _471\"/>dea har en exponering f<span class=\"__10 _d_9\"/>\u00f6r f\u00f6r\u00e4ndringar i verkligt<span class=\"__10 _469\"> </span> v\u00e4rde f<span class=\"__10 _d_9\"/>\u00f6r tillg\u00e5ngen.<span class=\"__10 _469\"> </span>F\u00f6r in<span class=\"__10 _d_9\"/>formation om pantsa<span class=\"__10 _d_9\"/>tta \ufb01nansiella instrument, se not<span class=\"__10 _469\"> </span> K3.9 \u201dPan<span class=\"__10 _d_9\"/>tsatta \ufb01nansiella instrument\u201d<span class=\"__10 _469\"> </span><span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span>\u00d6verf\u00f6r<span class=\"__10 _471\"/>da tillg\u00e5ngar som f<span class=\"__10 _471\"/>ortsatt redovisas  i balansr\u00e4kningen samt h\u00e4n<span class=\"__10 _d_9\"/>f\u00f6rliga skulder<span class=\"__10 _469\"> </span> \u00c5terk\u00f6psa<span class=\"__10 _d_9\"/>vtal \u00e4r en form av inl\u00e5ning mo<span class=\"__10 _d_9\"/>t s\u00e4kerhet d\u00e4r<span class=\"__10 _469\"> </span> Nordea s\u00e4ljer v\u00e4r<span class=\"__10 _471\"/>depapper med avtal om a<span class=\"__10 _d_9\"/>tt till ett fast pris<span class=\"__10 _469\"> </span> \u00e5terk\u00f6pa dessa vid ett s<span class=\"__10 _471\"/>enare datum.<span class=\"__10 _469\"> </span> A<span class=\"__10 _d_9\"/>vtal om utl\u00e5ning av v\u00e4r<span class=\"__10 _471\"/>depapper \u00e4r transak<span class=\"__10 _d_9\"/>tioner d\u00e4r<span class=\"__10 _469\"> </span> Nordea l\u00e5nar ut v\u00e4r<span class=\"__10 _471\"/>depapper till en motpart och erh\u00e5ller en<span class=\"__10 _469\"> </span> av<span class=\"__10 _d_9\"/>gift<span class=\"__10 _c_9\"/>. A<span class=\"__10 _d_9\"/>vtal om v\u00e4rdepappersl\u00e5n inneb\u00e4r i allm\u00e4nhet st\u00e4l<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>lande av s\u00e4k<span class=\"__10 _471\"/>erhet.<span class=\"__10 _469\"> </span> Eftersom b\u00e5de \u00e5t<span class=\"__10 _471\"/>erk\u00f6psa<span class=\"__10 _471\"/>vtal och v\u00e4rdepappersl\u00e5n inneb\u00e4r<span class=\"__10 _469\"> </span> att v\u00e4r<span class=\"__10 _471\"/>depappren \u00e5terl\u00e4mnas till Nor<span class=\"__10 _d_9\"/>dea, kvarst\u00e5r alla risker<span class=\"__10 _469\"> </span> och r\u00e4ttighet<span class=\"__10 _471\"/>er f\u00f6rknippade med de \u00f6<span class=\"__10 _471\"/>verf\u00f6r<span class=\"__10 _471\"/>da instrumen<span class=\"__10 _471\"/>ten<span class=\"__10 _469\"> </span> hos Nordea, \u00e4<span class=\"__10 _471\"/>ven om de in<span class=\"__10 _471\"/>te \u00e4r tillg\u00e4ngliga f<span class=\"__10 _471\"/>\u00f6r Nordea under<span class=\"__10 _469\"> </span> den period d\u00e5 de \u00e4r \u00f6verf<span class=\"__10 _471\"/>\u00f6rda. Motparten i transak<span class=\"__10 _d_9\"/>tionen<span class=\"__10 _469\"> </span> innehar v\u00e4rdepappr<span class=\"__10 _471\"/>en som s\u00e4kerhet, men har inte n\u00e5gon r\u00e4<span class=\"__10 _d_9\"/>tt<span class=\"__10 _469\"> </span> till andra tillg\u00e5ngar i Nordea. V<span class=\"__10 _d_9\"/>\u00e4rdepapper som har l\u00e4mnats<span class=\"__10 _469\"> </span> enligt \u00e5terk\u00f6psa<span class=\"__10 _d_9\"/>vtal och avtal om v<span class=\"__10 _471\"/>\u00e4rdepappersl\u00e5n bokas<span class=\"__10 _469\"> </span> d\u00e4rf\u00f6r in<span class=\"__10 _471\"/>te bort fr\u00e5n balansr\u00e4kningen. Om mo<span class=\"__10 _d_9\"/>tpar<span class=\"__10 _c_9\"/>ten har r\u00e4tt<span class=\"__10 _469\"> </span> att s\u00e4lja vidare eller pan<span class=\"__10 _d_9\"/>ts\u00e4tta v\u00e4rdepappren p\u00e5 n<span class=\"__10 _471\"/>ytt, omklas-<span class=\"__10 _469\"> </span>si\ufb01ceras dessa till pos<span class=\"__10 _471\"/>ten \u201dP<span class=\"__10 _471\"/>antsatt<span class=\"__10 _471\"/>a \ufb01nansiella instrumen<span class=\"__10 _471\"/>t\u201d i<span class=\"__10 _469\"> </span> balansr\u00e4kningen. V<span class=\"__10 _d_9\"/>\u00e4rdepapper som har l\u00e4mnats enligt \u00e5t<span class=\"__10 _471\"/>er-<span class=\"__10 _469\"> </span>k\u00f6psa<span class=\"__10 _471\"/>vtal och a<span class=\"__10 _471\"/>vtal om v\u00e4rdepappersl\u00e5n redo<span class=\"__10 _d_9\"/>visas ocks\u00e5 i not<span class=\"__10 _469\"> </span> K7<span class=\"__10 _479\"/>.3 \u201dSt\u00e4llda s\u00e4kerheter<span class=\"__10 _c_9\"/>\u201d<span class=\"__10 _d_9\"/>. Likvida medel som har erh\u00e5llits<span class=\"__10 _469\"> </span> enligt \u00e5terk\u00f6psa<span class=\"__10 _d_9\"/>vtal och avtal om v<span class=\"__10 _471\"/>\u00e4rdepappersl\u00e5n redovisas<span class=\"__10 _469\"> </span> i balansr\u00e4kningen under \u201dSkulder till kr<span class=\"__10 _471\"/>editinstitut\u201d eller \u201dIn-<span class=\"__10 _469\"> </span> och uppl\u00e5ning fr\u00e5n allm\u00e4nheten\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span> I derivattr<span class=\"__10 _d_9\"/>ansaktioner levererar Nor<span class=\"__10 _d_9\"/>dea s\u00e4kerheter som<span class=\"__10 _469\"> </span> enligt villkoren i a<span class=\"__10 _d_9\"/>vtalen kan s\u00e4ljas eller pants\u00e4ttas p\u00e5 n<span class=\"__10 _471\"/>ytt.<span class=\"__10 _469\"> </span> Dessa utg\u00f6r i huvudsak s\u00e4kerheter som erh\u00e5lls enligt s\u00e4rskil<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>da s\u00e4kerhetsa<span class=\"__10 _471\"/>vtal.<span class=\"__10 _469\"> </span>\u00d6verf\u00f6r<span class=\"__10 _471\"/>da tillg\u00e5ngar som har redovisa<span class=\"__10 _d_9\"/>ts i balansr\u00e4kningen<span class=\"__10 _469\"> </span>Mn euro<span class=\"__10 _480\"> </span>31 dec 2022<span class=\"__10 _481\"> </span><span class=\"ws5_9\">31 dec 2021<span class=\"__10 _469\"> </span></span>\u00c5terk\u00f6psa<span class=\"__10 _d_9\"/>vtal<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/>ande v\u00e4rdepapper<span class=\"__10 _482\"> </span>4 672<span class=\"__10 _483\"> </span>1 668<span class=\"__10 _469\"> </span>A<span class=\"__10 _d_9\"/>vtal om utl\u00e5ning av v\u00e4rdepapper<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/><span class=\"__10 _469\">ande v\u00e4rdepapper1</span><span class=\"__10 _484\"> </span>230<span class=\"__10 _485\"> </span>\u2013<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _486\"> </span>4 902<span class=\"__10 _487\"> </span>1 668<span class=\"__10 _469\"> </span>Skulder h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6rliga till tillg\u00e5ngarna<span class=\"ff2_10 fs0_10\"><span class=\"__10 _469\">2<span class=\"__10 _469\"> </span></span></span>Mn euro<span class=\"__10 _480\"> </span>31 dec 2022<span class=\"__10 _481\"> </span>31 dec 2021<span class=\"__10 _469\"> </span>\u00c5terk\u00f6psa<span class=\"__10 _471\"/>vtal<span class=\"__10 _488\"> </span>4 67<span class=\"__10 _d_9\"/>4<span class=\"__10 _483\"> </span>1 669<span class=\"__10 _469\"> </span>A<span class=\"__10 _d_9\"/><span class=\"__10 _469\">vtal om utl\u00e5ning av v\u00e4rdepapper1</span><span class=\"__10 _489\"> </span>230<span class=\"__10 _485\"> </span>\u2013<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _1a_6\"> </span>4 904<span class=\"__10 _487\"> </span>1 669<span class=\"__10 _469\"> </span>Netto<span class=\"__10 _1b_6\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _1c_6\"> </span><span class=\"ls4_9 ws7_9\">-1<span class=\"__10 _469\"> </span></span></span>1) J\u00e4mf\u00f6r<span class=\"__10 _471\"/><span class=\"__10 _469\">elsesiffror har in</span><span class=\"__10 _471\"/>te r\u00e4knats om.   2) Skulder f\u00f6re kvittning mellan till<span class=\"__10 _471\"/>g\u00e5ngar och skulder i balansr\u00e4kningen. Erh\u00e5llna s\u00e4kerheter som kan s\u00e4ljas eller pants\u00e4<span class=\"__10 _471\"/>ttas p\u00e5 nytt<span class=\"__10 _469\"> </span>Nordea<span class=\"ws0_10\"> erh\u00e5ller s\u00e4kerheter enligt om<span class=\"__10 _d_9\"/>v\u00e4nda \u00e5terk\u00f6psa<span class=\"__10 _471\"/>vtal och </span>avtal om v<span class=\"__10 _d_9\"/>\u00e4rdepappersl\u00e5n, vilka kan s\u00e4ljas eller pants\u00e4ttas p\u00e5 nytt i enlighet med avtalsvillk<span class=\"__10 _d_9\"/>oren. T<span class=\"__10 _479\"/>ransak<span class=\"__10 _471\"/>tionerna genomf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s enligt standarda<span class=\"__10 _d_9\"/>vtal som anv\u00e4nds a<span class=\"__10 _d_9\"/>v par<span class=\"__10 _c_9\"/>terna p\u00e5 den \ufb01nansiella mark<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>naden. V<span class=\"__10 _d_9\"/>anligtvis kr\u00e4v<span class=\"__10 _d_9\"/>er avtalen ytterligare s\u00e4kerhet<span class=\"__10 _471\"/>er om v\u00e4rdet p\u00e5 v\u00e4rdepapper sjunker under en f<span class=\"__10 _d_9\"/>\u00f6rutbest\u00e4md niv\u00e5. Enligt st<span class=\"__10 _471\"/>an<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>darda<span class=\"__10 _471\"/>vtalen f<span class=\"__10 _471\"/>\u00f6r de flesta \u00e5<span class=\"__10 _471\"/>terk\u00f6psa<span class=\"__10 _d_9\"/>vtal har mottagaren av s\u00e4k<span class=\"__10 _d_9\"/>er<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>heten ovillkorlig r<span class=\"__10 _d_9\"/>\u00e4tt att s\u00e4lja eller \u00e5terpan<span class=\"__10 _471\"/>ts\u00e4tta s\u00e4kerhet<span class=\"__10 _471\"/>en, f\u00f6rut<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>satt att likv<span class=\"__10 _471\"/>\u00e4rdiga v\u00e4r<span class=\"__10 _471\"/>depapper \u00f6verf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s vid likvidtillf\u00e4llet. V<span class=\"__10 _d_9\"/>\u00e4rdepapper som erh\u00e5llits enligt omv\u00e4nda \u00e5t<span class=\"__10 _471\"/>erk\u00f6psa<span class=\"__10 _d_9\"/>vtal och avtal om v<span class=\"__10 _d_9\"/>\u00e4rdepappersl\u00e5n redovisas inte i balansr<span class=\"__10 _471\"/>\u00e4kning-<span class=\"__10 _469\"> </span>en. Likvida medel som har l\u00e4mnats enligt omv<span class=\"__10 _d_9\"/>\u00e4nda \u00e5terk\u00f6psav-<span class=\"__10 _469\"> </span>tal och avt<span class=\"__10 _471\"/>al om v\u00e4rdepappersl\u00e5n redo<span class=\"__10 _471\"/>visas i balansr\u00e4kningen under \u201dUtl\u00e5ning till centr<span class=\"__10 _d_9\"/>albanker<span class=\"__10 _1d_6\"/>\u201d<span class=\"__10 _479\"/>, \u201dUtl\u00e5ning till kreditinstitut<span class=\"__10 _c_9\"/>\u201d eller \u201dUtl\u00e5ning till allm\u00e4nheten\u201d<span class=\"__10 _479\"/>. Det verkliga v\u00e4r<span class=\"__10 _471\"/>det p\u00e5 erh\u00e5llna s\u00e4kerheter enligt omv<span class=\"__10 _d_9\"/>\u00e4nda \u00e5terk\u00f6psa<span class=\"__10 _d_9\"/>vtal och avtal om v<span class=\"__10 _471\"/>\u00e4rdepappersl\u00e5n upplyses om nedan. Nordea erh\u00e5ller ocks\u00e5 s\u00e4kerheter enligt andr<span class=\"__10 _d_9\"/>a avtal, vilka kan s\u00e4ljas eller pants\u00e4<span class=\"__10 _d_9\"/>ttas p\u00e5 nytt i enlighet med avtals-<span class=\"__10 _469\"> </span>villkoren. Dessa utg\u00f6r i huvudsak s\u00e4k<span class=\"__10 _d_9\"/>erheter som erh\u00e5lls enligt s\u00e4kerhetsa<span class=\"__10 _471\"/>vtal i samband med deriva<span class=\"__10 _471\"/>ttransak<span class=\"__10 _471\"/>tioner<span class=\"__10 _d_9\"/>. De erh\u00e5ll-<span class=\"__10 _469\"> </span>na s\u00e4kerheterna som pre<span class=\"__10 _471\"/>senter<span class=\"__10 _d_9\"/>as i tabellen nedan \u00e4r inte redo-<span class=\"__10 _469\"> </span>visade i balansr\u00e4kningen.<span class=\"__10 _469\"> </span>Erh\u00e5llna s\u00e4kerheter som in<span class=\"__10 _471\"/>te \u00e4r redovisade i balansr<span class=\"__10 _471\"/><span class=\"__10 _469\">\u00e4kningen1<span class=\"__10 _469\"> </span></span>Mn euro<span class=\"__10 _480\"> </span>31 dec 2022<span class=\"__10 _481\"> </span>31 dec 2021<span class=\"__10 _469\"> </span>Omv\u00e4nda \u00e5t<span class=\"__10 _d_9\"/>erk\u00f6psavtal<span class=\"__10 _469\"> </span>Erh\u00e5llna s\u00e4kerheter som kan s\u00e4ljas eller pants\u00e4ttas p\u00e5 n<span class=\"__10 _d_9\"/>ytt<span class=\"__10 _1e_6\"> </span>25 520<span class=\"__10 _1f_6\"> </span>21 739<span class=\"__10 _469\"> </span>- vara<span class=\"__10 _d_9\"/>v s\u00e5lda eller pantsatta p\u00e5 nytt<span class=\"__10 _490\"> </span>18 849<span class=\"__10 _491\"> </span>10 978<span class=\"__10 _469\"> </span>A<span class=\"__10 _d_9\"/>vtal om v\u00e4rdepappersl\u00e5n<span class=\"__10 _469\"> </span>Erh\u00e5llna s\u00e4kerheter som kan s\u00e4ljas eller pants\u00e4ttas p\u00e5 n<span class=\"__10 _d_9\"/>ytt<span class=\"__10 _492\"> </span>1 003<span class=\"__10 _487\"> </span>2 834<span class=\"__10 _469\"> </span>- vara<span class=\"__10 _d_9\"/>v s\u00e5lda eller pantsatta p\u00e5 nytt<span class=\"__10 _493\"> </span>445<span class=\"__10 _494\"> </span>183<span class=\"__10 _469\"> </span>\u00d6vriga avtal<span class=\"__10 _469\"> </span>Erh\u00e5llna s\u00e4kerheter som kan s\u00e4ljas eller pants\u00e4ttas p\u00e5 n<span class=\"__10 _d_9\"/>ytt<span class=\"__10 _495\"> </span>834<span class=\"__10 _496\"> </span>864<span class=\"__10 _469\"> </span>- vara<span class=\"__10 _d_9\"/>v s\u00e5lda eller pantsatta p\u00e5 nytt<span class=\"__10 _497\"> </span>320<span class=\"__10 _498\"> </span>202<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _499\"> </span>27 357<span class=\"__10 _2a_4\"> </span>25 437<span class=\"__10 _469\"> </span>1) Erh\u00e5llna s\u00e4kerheter emitterade a<span class=\"__10 _d_9\"/>v Nordea \u00e4r fr\u00e5n \u00e5r 2022 inkluderade i tabellen. J\u00e4mf<span class=\"__10 _d_9\"/>\u00f6<span class=\"__10 _c_9\"/>-<span class=\"__10 _469\"> </span><span class=\"__10 _469\">relsesiffrorna har r</span><span class=\"__10 _471\"/>\u00e4knats om p\u00e5 motsvar<span class=\"__10 _471\"/>ande s\u00e4tt.<span class=\"__10 _469\"> </span>K7<span class=\"__11 _625\"/>.3 <span class=\"__11 _642\"> </span>St\u00e4llda s\u00e4k<span class=\"__11 _617\"/>erheter<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>Tillg\u00e5ngar som redovisa<span class=\"__11 _617\"/>ts i balansr\u00e4kningen och pan<span class=\"__11 _617\"/>tsatts som s\u00e4kerhet f<span class=\"__11 _617\"/>\u00f6r Nordeas egna skulder r<span class=\"__11 _617\"/>edovisas som \u201dF<span class=\"__11 _617\"/>\u00f6r egna skulder st\u00e4llda s\u00e4k<span class=\"__11 _617\"/>erheter<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>. Tillg\u00e5ngar som r<span class=\"__11 _617\"/>edovisats i balansr\u00e4kningen och pan<span class=\"__11 _617\"/>tsatts som s\u00e4kerhet f<span class=\"__11 _617\"/>\u00f6r annat \u00e4n egna skulder redo<span class=\"__11 _617\"/>visas som \u201d\u00d6vriga st\u00e4llda s\u00e4kerhet<span class=\"__11 _617\"/>er f\u00f6r annat \u00e4n egna skulder\u201d<span class=\"__11 _617\"/>. Inl\u00e5nade v\u00e4r<span class=\"__11 _617\"/>depapper som d\u00e4refter anv\u00e4nds som s\u00e4k<span class=\"__11 _617\"/>erhet redovisas som \u201d\u00d6v<span class=\"__11 _617\"/>erf\u00f6rda tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter<span class=\"__11 _626\"/>\u201d i balansr\u00e4kningen (f<span class=\"__11 _617\"/>\u00f6r redovisnings-<span class=\"__11 _624\"> </span>principer<span class=\"__11 _625\"/>, se not K3.2 \u201d\u00d6verf\u00f6rda tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter<span class=\"__11 _626\"/>\u201d).<span class=\"__11 _624\"> </span>St\u00e4llda s\u00e4kerheter<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _8c_3\"> </span>31 dec 2022<span class=\"__11 _8d_3\"> </span>31 dec 2021<span class=\"__11 _624\"> </span>F\u00f6r egna skulder s<span class=\"__11 _617\"/>t\u00e4llda s\u00e4kerheter<span class=\"__11 _13b_2\"> </span>190 211<span class=\"__11 _4b_3\"> </span>183 984<span class=\"__11 _624\"> </span>\u00d6vriga st\u00e4llda s\u00e4kerheter f<span class=\"__11 _617\"/>\u00f6r annat \u00e4n egna skulder<span class=\"__11 _759\"> </span>2<span class=\"__11 _626\"/>53<span class=\"__11 _6a_3\"> </span>2<span class=\"__11 _626\"/>53<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _11b_4\"> </span>190 464<span class=\"__11 _9f_3\"> </span>184 237<span class=\"__11 _624\"> </span>F<span class=\"__11 _617\"/>\u00f6r egna skulder st\u00e4llda s\u00e4k<span class=\"__11 _617\"/>erheter<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _8c_3\"> </span>31 dec 2022<span class=\"__11 _8d_3\"> </span>31 dec 2021<span class=\"__11 _624\"> </span>F\u00f6r egna skul<span class=\"__11 _617\"/>der st\u00e4llda s\u00e4kerheter<span class=\"__11 _624\"> </span>V<span class=\"__11 _617\"/>\u00e4rdepapper mm.<span class=\"__11 _f6_3\"> </span>2 622<span class=\"__11 _6d_3\"> </span>6 058<span class=\"__11 _624\"> </span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__11 _715\"> </span>165 286<span class=\"__11 _4b_3\"> </span>164 956<span class=\"__11 _624\"> </span>\u00d6vriga st\u00e4llda s\u00e4kerheter<span class=\"__11 _cb_3\"> </span>22 303<span class=\"__11 _8b_3\"> </span>12 970<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _665\"> </span>190 211<span class=\"__11 _7a_3\"> </span>183 984<span class=\"__11 _624\"> </span>Ovanst\u00e5ende s\u00e4kerhet<span class=\"__11 _617\"/>er avser f<span class=\"__11 _617\"/>\u00f6ljande <span class=\"__11 _624\">skulder1<span class=\"__11 _624\"> </span></span>Skulder till kreditinstitut<span class=\"__11 _f3_3\"> </span>11 689<span class=\"__11 _674\"> </span>16 531<span class=\"__11 _624\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__11 _14d\"> </span>1 873<span class=\"__11 _3b_5\"> </span>1 386<span class=\"__11 _624\"> </span>Derivat<span class=\"__11 _f1_3\"> </span>7 761<span class=\"__11 _3b_5\"> </span>8 791<span class=\"__11 _624\"> </span>Emitterade v\u00e4r<span class=\"__11 _617\"/><span class=\"__11 _624\">depapper2</span><span class=\"__11 _14e\"> </span>114 109<span class=\"__11 _5e_3\"> </span><span class=\"ls0_11 ws0_11\">117 76<span class=\"__11 _626\"/>4<span class=\"__11 _624\"> </span></span>\u00d6vriga skulder<span class=\"__11 _14f\"> </span>1 990<span class=\"__11 _646\"> </span>2 479<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _649\"> </span>137 422<span class=\"__11 _668\"> </span>146 951<span class=\"__11 _624\"> </span>1) Skulder efter kvittning mellan tillg\u00e5ngar och skulder i balansr<span class=\"__11 _617\"/>\u00e4kningen.<span class=\"__11 _624\"> </span>2) Exklusive justering a<span class=\"__11 _617\"/>v verkligt v\u00e4r<span class=\"__11 _617\"/>de-s\u00e4kring.<span class=\"__11 _624\"> </span>F\u00f6r egna sk<span class=\"__11 _617\"/>ulder st\u00e4llda s\u00e4kerhet<span class=\"__11 _617\"/>er omf<span class=\"__11 _617\"/>attar v<span class=\"__11 _617\"/>\u00e4rdepapper som har pantsa<span class=\"__11 _617\"/>tts i samband med \u00e5terk\u00f6psa<span class=\"__11 _625\"/>vtal och v\u00e4rde-<span class=\"__11 _624\"> </span>pappersl\u00e5n. <span class=\"__11 _617\"/>T<span class=\"__11 _625\"/>ransaktionerna genom<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>\u00f6rs enligt standarda<span class=\"__11 _617\"/>vtal som anv\u00e4nds a<span class=\"__11 _617\"/>v parterna p\u00e5 \ufb01nansmarknaden. Motparter i dessa transak<span class=\"__11 _617\"/>tioner \u00e4r kreditinstitut och allm\u00e4nhet<span class=\"__11 _617\"/>en. <span class=\"__11 _617\"/>T<span class=\"__11 _625\"/>rans-<span class=\"__11 _624\"> </span>aktionerna \u00e4r huvudsakligen kortfris<span class=\"__11 _617\"/>tiga med en l\u00f6ptid p\u00e5 mindre \u00e4n tre m\u00e5nader<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>V<span class=\"__11 _617\"/>\u00e4rdepapper i livf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsr\u00f6relsen har st<span class=\"__11 _617\"/>\u00e4llts som s\u00e4ker-<span class=\"__11 _624\"> </span>het f\u00f6r mo<span class=\"__11 _617\"/>tsvarande sk<span class=\"__11 _617\"/>ulder till f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringstagare.<span class=\"__11 _624\"> </span>Utl\u00e5ning till allm\u00e4nheten har st\u00e4ll<span class=\"__11 _617\"/>ts som s\u00e4kerhet f<span class=\"__11 _617\"/>\u00f6r emit-<span class=\"__11 _624\"> </span>terade s\u00e4kers<span class=\"__11 _617\"/>t\u00e4llda obligationer och bost<span class=\"__11 _617\"/>adsobligationer i enlighet med nationella lagar och regler<span class=\"__11 _625\"/>. I h\u00e4ndelse av bola<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>gets obest\u00e5nd har inneha<span class=\"__11 _617\"/>varna a<span class=\"__11 _617\"/>v obliga<span class=\"__11 _617\"/>tionerna f\u00f6rm\u00e5nsr<span class=\"__11 _617\"/>\u00e4tt i de tillg\u00e5ngar som \u00e4r registr<span class=\"__11 _617\"/>erade som s\u00e4kerhetsmassa.<span class=\"__11 _624\"> </span>Rest<span class=\"__11 _617\"/>erande del a<span class=\"__11 _617\"/>v \u00f6vriga s<span class=\"__11 _617\"/>t\u00e4llda s\u00e4kerheter a<span class=\"__11 _617\"/>vser bankc<span class=\"__11 _617\"/>er-<span class=\"__11 _624\"> </span>ti\ufb01kat som pan<span class=\"__11 _617\"/>tsatts a<span class=\"__11 _617\"/>v Nordea i enlighet med myndighetskra<span class=\"__11 _617\"/>v<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>\u00d6vriga st\u00e4llda s\u00e4kerheter f<span class=\"__11 _625\"/>\u00f6r annat \u00e4n egna skulder<span class=\"__11 _624\"> </span>\u00d6vriga st\u00e4llda s\u00e4kerhet<span class=\"__11 _617\"/>er avser huvudsakligen r<span class=\"__11 _617\"/>\u00e4nt<span class=\"__11 _617\"/>eb\u00e4rande v\u00e4rdepapper som pan<span class=\"__11 _617\"/>tsatts f<span class=\"__11 _617\"/>\u00f6r betalningsreglering gen<span class=\"__11 _617\"/>temo<span class=\"__11 _617\"/>t centr<span class=\"__11 _617\"/>albanker och clearinginstitut. V<span class=\"__11 _617\"/>\u00e4rdet p\u00e5 de<span class=\"__11 _617\"/>ssa uppgick till 253 mn euro (253 mn euro). Endast s\u00e4kerhet<span class=\"__11 _617\"/>er som a<span class=\"__11 _617\"/>vser likviditet \u00f6ver na<span class=\"__11 _617\"/>tten redo<span class=\"__11 _617\"/>visas (st\u00e4llda s\u00e4kerhet<span class=\"__11 _617\"/>er f\u00f6r in<span class=\"__11 _617\"/>tra<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>dagslikviditet omf<span class=\"__11 _617\"/>attas in<span class=\"__11 _617\"/>te<span class=\"__11 _617\"/>). St\u00e4llda s\u00e4kerheter f<span class=\"__11 _617\"/>\u00f6r annat \u00e4n Nordeas egna skulder<span class=\"__11 _625\"/>, till ex<span class=\"__11 _617\"/>empel f\u00f6r tr<span class=\"__11 _617\"/>edje mans r\u00e4kning eller f\u00f6r Nor<span class=\"__11 _617\"/>deas egna even<span class=\"__11 _617\"/>tualf\u00f6rplik<span class=\"__11 _617\"/>telser<span class=\"__11 _625\"/>, presen<span class=\"__11 _617\"/>teras ocks\u00e5 under denna post.2.4 <span class=\"__14 _b_13\"/>Tillg\u00e5ngar \u00f6vertagna f\u00f6r skyddande a<span class=\"__14 _b_13\"/>v fordr<span class=\"__14 _b_13\"/>an<span class=\"__14 _1ce\"> </span>T<span class=\"__14 _1c_10\"/>abellen nedan visar \u00f6vertagna tillg\u00e5ngar per tillg\u00e5ngsslag.<span class=\"__14 _1ce\"> </span> Mark och byggnader utgjor<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">de 100 procent a</span><span class=\"__14 _b_13\"/>v de \u00f6vertagna<span class=\"__14 _1ce\"> </span> tillg\u00e5ngarna i slutet a<span class=\"__14 _b_13\"/>v december 2022. Under 2022 minskade<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">de \u00f6vertagna tillg\u00e5ngarna med 71 procen</span><span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>.<span class=\"__14 _1ce\"> </span> Tillg\u00e5ngar \u00f6vertagna f<span class=\"__14 _b_13\"/>\u00f6r skyddande av f<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ordran1<span class=\"__14 _1ce\"> </span></span>Mn euro<span class=\"__14 _4f_6\"> </span>31 dec 2022<span class=\"__14 _1094\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span>Oms\u00e4ttningstillg\u00e5ngar<span class=\"__14 _b_13\"/>, redovisat v<span class=\"__14 _b_13\"/>\u00e4rde:<span class=\"__14 _1ce\"> </span>Mark och byggnader<span class=\"__14 _1107\"> </span>2<span class=\"__14 _1102\"> </span>2<span class=\"__14 _1ce\"> </span>Aktier och \u00f6vriga andelar<span class=\"__14 _1108\"> </span>0<span class=\"__14 _1109\"> </span>4<span class=\"__14 _1ce\"> </span>\u00d6vriga tillg\u00e5ngar<span class=\"__14 _1110\"> </span>0<span class=\"__14 _1111\"> </span>1<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1112\"> </span>2<span class=\"__14 _1102\"> </span>7<span class=\"__14 _1ce\"> </span>1)   <span class=\"__14 _1069\"/>I enlighet med Nordeas riktlinjer f<span class=\"__14 _b_13\"/>\u00f6r egendom \u00f6vertagen f\u00f6r skyddande av f<span class=\"__14 _b_13\"/>ordran,<span class=\"__14 _1ce\"> </span> som f\u00f6ljer bankr\u00f6r<span class=\"__14 _1058\"/>elselagen i de l\u00e4nder d\u00e4r Nordea verkar<span class=\"__14 _b_13\"/>. Tillg\u00e5ngar som anv<span class=\"__14 _b_13\"/>\u00e4nds<span class=\"__14 _1ce\"> </span> som s\u00e4kerhet f\u00f6r l\u00e5net \u00f6<span class=\"__14 _1058\"/>vertas normalt n\u00e4r kunden int<span class=\"__14 _1058\"/>e l\u00e4ngre kan fullg\u00f6ra sina skyl-<span class=\"__14 _1ce\"> </span>digheter gentemot Nor<span class=\"__14 _b_13\"/>dea. \u00d6vertagna tillg\u00e5ngar avyttras senast n\u00e4r full \u00e5t<span class=\"__14 _1058\"/>ervinning<span class=\"__14 _1ce\"> </span> har uppn\u00e5tts.<span class=\"__14 _1ce\"> </span>2.5 Bel\u00e5ningsgrad<span class=\"__14 _1ce\"> </span>Bel\u00e5ningsgraden anses v<span class=\"__14 _b_13\"/>ara ett bra m\u00e5tt f<span class=\"__14 _1058\"/>\u00f6r att bed\u00f6ma<span class=\"__14 _1ce\"> </span> s\u00e4kerhetens kvalit<span class=\"__14 _b_13\"/>et<span class=\"__14 _1072\"/>. Den ber\u00e4knas genom att dividera kredit-<span class=\"__14 _1ce\"> </span>exponeringen med s\u00e4kerhet<span class=\"__14 _b_13\"/>ens marknadsv\u00e4rde. <span class=\"__14 _b_13\"/>T<span class=\"__14 _b_13\"/>abellen<span class=\"__14 _1ce\"> </span> visar hypoteks<span class=\"__14 _1058\"/>exponeringar som om<span class=\"__14 _b_13\"/>fattas a<span class=\"__14 _b_13\"/>v IRK-modell<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>,<span class=\"__14 _1ce\"> </span> f\u00f6r<span class=\"__14 _1058\"/>delade p\u00e5 olika intervall a<span class=\"__14 _b_13\"/>v bel\u00e5ningsgrad.<span class=\"__14 _1ce\"> </span>Bel\u00e5ningsgrad<span class=\"__14 _1ce\"> </span>31 dec 2022<span class=\"__14 _1113\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span>Bol\u00e5neexponering mot priv<span class=\"__14 _1058\"/>atkunder<span class=\"__14 _1ce\"> </span> (retailportf\u00f6ljen)<span class=\"__14 _1114\"> </span>Md euro<span class=\"__14 _1115\"> </span>%<span class=\"__14 _e_13\"> </span>Md euro<span class=\"__14 _1115\"> </span>%<span class=\"__14 _1ce\"> </span>&lt;50 %<span class=\"__14 _1116\"> </span>128,7<span class=\"__14 _5a_6\"> </span>84<span class=\"__14 _5b_6\"> </span>130,9<span class=\"__14 _4e_6\"> </span>83<span class=\"__14 _1ce\"> </span>50\u201370 %<span class=\"__14 _5c_6\"> </span>18,5<span class=\"__14 _1096\"> </span>12<span class=\"__14 _5d_6\"> </span>20,7<span class=\"__14 _1098\"> </span>13<span class=\"__14 _1ce\"> </span>70\u201380 %<span class=\"__14 _5e_6\"> </span><span class=\"ls16_11 ws3c_5\">3,7<span class=\"__14 _5f_6\"> </span></span>2<span class=\"__14 _1117\"> </span>4,0<span class=\"__14 _1118\"> </span>3<span class=\"__14 _1ce\"> </span>80\u201390 %<span class=\"__14 _1116\"> </span><span class=\"ls17_11 ws3d_5\">1,1<span class=\"__14 _1113\"> </span></span>1<span class=\"__14 _1119\"> </span><span class=\"ls17_11 ws3d_5\">1<span class=\"__14 _1072\"/>,1<span class=\"__14 _1113\"> </span></span>1<span class=\"__14 _1ce\"> </span>&gt;90 %<span class=\"__14 _3c_8\"> </span>0,9<span class=\"__14 _1120\"> </span>1<span class=\"__14 _1117\"> </span>0,8<span class=\"__14 _1121\"> </span>0<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1122\"> </span>152,9<span class=\"__14 _1123\"> </span>100<span class=\"__14 _1124\"> </span>157<span class=\"__14 _b_13\"/>,5<span class=\"__14 _1123\"> </span>100<span class=\"__14 _1ce\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCollateralExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-607": {
   "value": "K3.2   \u00d6verf\u00f6rda tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter Redovisningsprinciper  Tillg\u00e5ngar anses vara \u00f6verf\u00f6rda fr\u00e5n Nordea om Nordea  antingen \u00f6verf\u00f6r den kontraktsenliga r\u00e4ttigheten att erh\u00e5lla  kassafl\u00f6den fr\u00e5n tillg\u00e5ngen eller beh\u00e5ller den r\u00e4ttigheten  men har en kontraktsenlig skyldighet att betala kassafl\u00f6dena  till en eller flera parter. Alla tillg\u00e5ngar som \u00f6verf\u00f6rts redovisas  fortsatt i balansr\u00e4kningen om Nordeas exponering f\u00f6r f\u00f6r\u00e4nd- ringar i verkligt v\u00e4rde f\u00f6r tillg\u00e5ngen kvarst\u00e5r.  Erh\u00e5llen s\u00e4kerhet redovisas inte i balansr\u00e4kningen s\u00e5vida  inte Nordea har en exponering f\u00f6r f\u00f6r\u00e4ndringar i verkligt  v\u00e4rde f\u00f6r tillg\u00e5ngen. F\u00f6r information om pantsatta \ufb01nansiella instrument, se not  K3.9 \u201dPantsatta \ufb01nansiella instrument\u201d K7.3  St\u00e4llda s\u00e4kerheter Redovisningsprinciper Tillg\u00e5ngar som redovisats i balansr\u00e4kningen och pantsatts som s\u00e4kerhet f\u00f6r Nordeas egna skulder redovisas som \u201dF\u00f6r egna skulder st\u00e4llda s\u00e4kerheter\u201d. Tillg\u00e5ngar som redovisats i balansr\u00e4kningen och pantsatts som s\u00e4kerhet f\u00f6r annat \u00e4n egna skulder redovisas som \u201d\u00d6vriga st\u00e4llda s\u00e4kerheter f\u00f6r annat \u00e4n egna skulder\u201d. Inl\u00e5nade v\u00e4rdepapper som d\u00e4refter anv\u00e4nds som s\u00e4kerhet redovisas som \u201d\u00d6verf\u00f6rda tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter\u201d i balansr\u00e4kningen (f\u00f6r redovisnings- principer, se not K3.2 \u201d\u00d6verf\u00f6rda tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter\u201d). ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForCollateralExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-608": {
   "value": "K3.3   Klassi\ufb01cering och v\u00e4rdering  Redovisningsprinciper Varje \ufb01nansiellt instrument har klassi\ufb01cerats i n\u00e5gon av   f\u00f6ljande  kategorier: Finansiella skulder: \u2022  Upplupet anskaffningsv\u00e4rde \u2022  Verkligt v\u00e4rde via resultatr\u00e4kningen:  -  Obligatoriskt v\u00e4rderade till verkligt v\u00e4rde via  resultatr\u00e4kningen  - Fr\u00e5n b\u00f6rjan v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4k- ningen (verkligt v\u00e4rde-optionen) Klassi\ufb01ceringen av en \ufb01nansiell tillg\u00e5ng best\u00e4ms utifr\u00e5n aff\u00e4rs- modellen f\u00f6r den portf\u00f6lj som instrumentet ing\u00e5r i och huru- vida kassafl\u00f6dena endast utg\u00f6r betalning av kapitalbelopp och  r\u00e4nta (SPPI). Finansiella tillg\u00e5ngar med kassafl\u00f6den som inte uteslutande  utg\u00f6rs av betalning av kapitalbelopp och r\u00e4nta v\u00e4rderas till verk- ligt v\u00e4rde via resultatr\u00e4kningen. Alla \u00f6vriga tillg\u00e5ngar klassi\ufb01ceras  utifr\u00e5n aff\u00e4rsmodellen. Portf\u00f6ljinstrument som omfattas av en aff\u00e4rsmodell d\u00e4r avsikten \u00e4r att beh\u00e5lla instrumenten och ta emot avtalsenliga kassafl\u00f6den v\u00e4rderas till upplupet anskaffningsv\u00e4rde.  Instrument som omfattas av en aff\u00e4rsmodell d\u00e4r avsikten \u00e4r b\u00e5de  att beh\u00e5lla instrumenten f\u00f6r att samla in avtalsenliga kassafl\u00f6den  och att s\u00e4lja instrumenten, v\u00e4rderas till verkligt v\u00e4rde via \u00f6vrigt  totalresultat. Finansiella tillg\u00e5ngar som omfattas av annan aff\u00e4rs- modell v\u00e4rderas till verkligt v\u00e4rde via resultatr\u00e4kningen. F\u00f6r att kunna fastst\u00e4lla aff\u00e4rsmodell har Nordea delat in sina \ufb01nansiella tillg\u00e5ngar i portf\u00f6ljer och underportf\u00f6ljer utifr\u00e5n hur olika grupper av \ufb01nansiella tillg\u00e5ngar f\u00f6rvaltas tillsammans f\u00f6r att  uppn\u00e5 ett visst aff\u00e4rsm\u00e5l. N\u00e4r r\u00e4tt niv\u00e5 f\u00f6r portf\u00f6ljen ska fastst\u00e4l- las har Nordea tagit h\u00e4nsyn till aktuell aff\u00e4rsomr\u00e5desstruktur. Vid  fastst\u00e4llandet av aff\u00e4rsmodell f\u00f6r respektive portf\u00f6lj har Nordea analyserat syftet med de \ufb01nansiella tillg\u00e5ngarna och exempelvis  tidigare f\u00f6rs\u00e4ljningstrender och ers\u00e4ttning till ledningen. Alla \ufb01nansiella tillg\u00e5ngar och skulder redovisas till verkligt  v\u00e4rde vid f\u00f6rsta redovisningstillf\u00e4llet. Klassi\ufb01ceringen av \ufb01nan- siella instrument i olika kategorier utg\u00f6r grunden f\u00f6r hur varje  \ufb01nansiellt instrument d\u00e4refter v\u00e4rderas i balansr\u00e4kningen och hur f\u00f6r\u00e4ndringar i dess v\u00e4rde redovisas. Tabellen Klassi\ufb01cering av \ufb01nansiella instrument i not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d  visar i vilka olika kategorier de \ufb01nansiella instrumenten i Nordeas  balansr\u00e4kning har klassi\ufb01cerats enligt IFRS 9. Finansiella tillg\u00e5ngar och skulder v\u00e4rderade  till verkligt v\u00e4rde via resultatr\u00e4kningen Finansiella tillg\u00e5ngar och skulder v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen v\u00e4rderas till verkligt v\u00e4rde exklusive transak- tionskostnader. F\u00f6r\u00e4ndringar i verkligt v\u00e4rde f\u00f6r dessa poster  redovisas normalt direkt i resultatr\u00e4kningen under \u201dNettoresultat  av poster till verkligt v\u00e4rde\u201d. Emellertid redovisas justeringar till  verkligt v\u00e4rde av marginalkomponenten f\u00f6r l\u00e5nefordringar i port- f\u00f6ljer d\u00e4r avsikten \u00e4r att beh\u00e5lla instrumenten till f\u00f6rfall och som  obligatoriskt v\u00e4rderas till verkligt v\u00e4rde (uppfyller inte SPPI-krite- riet) separat i resultatr\u00e4kningen under posten \u201dNettoresultat av  utl\u00e5ning i portf\u00f6ljer som h\u00e5lls till f\u00f6rfall och obligatoriskt v\u00e4rdera s till verkligt v\u00e4rde\u201d. F\u00f6r mer information, se not K2.4 \u201dSumma net- toresultat av poster till verkligt v\u00e4rde\u201d. F\u00f6r information om ber\u00e4k- ning av verkligt v\u00e4rde, se not K3.4 \u201dVerkligt v\u00e4rde\u201d. Den h\u00e4r kategorin har tv\u00e5 underkategorier: \u201dObligatoriskt v\u00e4r- derade till verkligt v\u00e4rde via resultatr\u00e4kningen\u201d och \u201dFr\u00e5n b\u00f6rjan  v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen (verkligt v\u00e4r- de-optionen)\u201d. Underkategorin \u201dFr\u00e5n b\u00f6rjan  v\u00e4rderade till verk- ligt v\u00e4rde via resultatr\u00e4kningen (verkligt v\u00e4rde-optionen)\u201d inne- b\u00e4r att \ufb01nansiella tillg\u00e5ngar och skulder kan v\u00e4rderas till verkligt  v\u00e4rde samtidigt som skillnaderna i verkligt v\u00e4rde redovisas i  resultatr\u00e4kningen. Det h\u00e4r alternativet kan anv\u00e4ndas om det eli- minerar eller avsev\u00e4rt minskar en bristande \u00f6verensst\u00e4mmelse i  redovisningen och f\u00f6r skulder om de f\u00f6rvaltas baserat p\u00e5 verk- ligt v\u00e4rde. F\u00f6r\u00e4ndringar i kreditrisk h\u00e4nf\u00f6rliga till skulder som  redan fr\u00e5n b\u00f6rjan v\u00e4rderats till verkligt v\u00e4rde via resultatr\u00e4k- ningen redovisas under \u00f6vrigt totalresultat, s\u00e5vida detta inte f\u00f6r- anleder bristande \u00f6verensst\u00e4mmelse i redovisningen. R\u00e4nteint\u00e4kter och r\u00e4ntekostnader h\u00e4nf\u00f6rliga till balanspos- ter redovisade till verkligt v\u00e4rde via resultatr\u00e4kningen klassi\ufb01- ceras normalt som \u201dNettoresultat av poster till verkligt v\u00e4rde\u201d.  F\u00f6r mer information, se not K2.4 \u201dSumma nettoresultat av pos- ter till verkligt v\u00e4rde\u201d och not K2.2 \u201dR\u00e4ntenetto\u201d. Sammansatta \ufb01nansiella instrument Sammansatta \ufb01nansiella instrument \u00e4r avtal som omfattar  ett v\u00e4rdavtal och ett inb\u00e4ddat derivat. S\u00e5dana kombinationer   uppst\u00e5r huvudsakligen i samband med emissioner av strukture- rade skuldinstrument, s\u00e5som emitterade indexobligationer och  l\u00e5nefordringar med inb\u00e4ddade r\u00e4ntekorridorer och r\u00e4ntetak. F\u00f6r strukturerade obligationer som har emitterats av Markets till\u00e4mpar Nordea verkligt v\u00e4rde-optionen, och hela det samman- satta instrumentet, v\u00e4rdavtalet och det inb\u00e4ddade derivatet, v\u00e4r- deras till verkligt v\u00e4rde via resultatr\u00e4kningen och redovisas under \u201dEmitterade v\u00e4rdepapper\u201d i balansr\u00e4kningen. F\u00f6r\u00e4ndring- ar i verkligt v\u00e4rde redovisas i resultatr\u00e4kningen under \u201dNettore- sultat av poster till verkligt v\u00e4rde\u201d, med undantag f\u00f6r f\u00f6r\u00e4ndring- ar i Nordeas egna kreditrisk som redovisas i \u00f6vrigt totalresultat. Emitterade skuld- och eget kapital-instrument Ett \ufb01nansiellt instrument emitterat av Nordea klassi\ufb01ceras antingen som en \ufb01nansiell skuld eller som eget kapital. Emitte- rade \ufb01nansiella instrument klassi\ufb01ceras som \ufb01nansiella skulder om avtalsf\u00f6rh\u00e5llandena inneb\u00e4r att Nordea har en be\ufb01ntlig f\u00f6r- pliktelse att antingen erl\u00e4gga kontanter eller annan \ufb01nansiell tillg\u00e5ng, eller ett variabelt antal eget kapital-instrument, till innehavaren av instrumentet. Om s\u00e5 inte \u00e4r fallet \u00e4r instrumen- tet vanligtvis ett eget kapital-instrument och klassi\ufb01ceras som eget kapital, med avdrag f\u00f6r transaktionskostnader. Om emit- terade \ufb01nansiella instrument inneh\u00e5ller b\u00e5de en skuld- och en eget kapital-del, redovisas dessa delar separat. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialLiabilitiesExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-609": {
   "value": "K3.3   Klassi\ufb01cering och v\u00e4rdering  Redovisningsprinciper Varje \ufb01nansiellt instrument har klassi\ufb01cerats i n\u00e5gon av   f\u00f6ljande  kategorier: Finansiella tillg\u00e5ngar: \u2022  Upplupet anskaffningsv\u00e4rde \u2022  Verkligt v\u00e4rde via resultatr\u00e4kningen:  -  Obligatoriskt v\u00e4rderade till verkligt v\u00e4rde via  resultatr\u00e4kningen  - Fr\u00e5n b\u00f6rjan v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4k- ningen (verkligt v\u00e4rde-optionen) \u2022  Finansiella tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via \u00f6vrigt  totalresultat Finansiella skulder: \u2022  Upplupet anskaffningsv\u00e4rde \u2022  Verkligt v\u00e4rde via resultatr\u00e4kningen:  -  Obligatoriskt v\u00e4rderade till verkligt v\u00e4rde via  resultatr\u00e4kningen  - Fr\u00e5n b\u00f6rjan v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4k- ningen (verkligt v\u00e4rde-optionen) Klassi\ufb01ceringen av en \ufb01nansiell tillg\u00e5ng best\u00e4ms utifr\u00e5n aff\u00e4rs- modellen f\u00f6r den portf\u00f6lj som instrumentet ing\u00e5r i och huru- vida kassafl\u00f6dena endast utg\u00f6r betalning av kapitalbelopp och  r\u00e4nta (SPPI). Finansiella tillg\u00e5ngar med kassafl\u00f6den som inte uteslutande  utg\u00f6rs av betalning av kapitalbelopp och r\u00e4nta v\u00e4rderas till verk- ligt v\u00e4rde via resultatr\u00e4kningen. Alla \u00f6vriga tillg\u00e5ngar klassi\ufb01ceras  utifr\u00e5n aff\u00e4rsmodellen. Portf\u00f6ljinstrument som omfattas av en aff\u00e4rsmodell d\u00e4r avsikten \u00e4r att beh\u00e5lla instrumenten och ta emot avtalsenliga kassafl\u00f6den v\u00e4rderas till upplupet anskaffningsv\u00e4rde.  Instrument som omfattas av en aff\u00e4rsmodell d\u00e4r avsikten \u00e4r b\u00e5de  att beh\u00e5lla instrumenten f\u00f6r att samla in avtalsenliga kassafl\u00f6den  och att s\u00e4lja instrumenten, v\u00e4rderas till verkligt v\u00e4rde via \u00f6vrigt  totalresultat. Finansiella tillg\u00e5ngar som omfattas av annan aff\u00e4rs- modell v\u00e4rderas till verkligt v\u00e4rde via resultatr\u00e4kningen. F\u00f6r att kunna fastst\u00e4lla aff\u00e4rsmodell har Nordea delat in sina \ufb01nansiella tillg\u00e5ngar i portf\u00f6ljer och underportf\u00f6ljer utifr\u00e5n hur olika grupper av \ufb01nansiella tillg\u00e5ngar f\u00f6rvaltas tillsammans f\u00f6r att  uppn\u00e5 ett visst aff\u00e4rsm\u00e5l. N\u00e4r r\u00e4tt niv\u00e5 f\u00f6r portf\u00f6ljen ska fastst\u00e4l- las har Nordea tagit h\u00e4nsyn till aktuell aff\u00e4rsomr\u00e5desstruktur. Vid  fastst\u00e4llandet av aff\u00e4rsmodell f\u00f6r respektive portf\u00f6lj har Nordea analyserat syftet med de \ufb01nansiella tillg\u00e5ngarna och exempelvis  tidigare f\u00f6rs\u00e4ljningstrender och ers\u00e4ttning till ledningen. Alla \ufb01nansiella tillg\u00e5ngar och skulder redovisas till verkligt  v\u00e4rde vid f\u00f6rsta redovisningstillf\u00e4llet. Klassi\ufb01ceringen av \ufb01nan- siella instrument i olika kategorier utg\u00f6r grunden f\u00f6r hur varje  \ufb01nansiellt instrument d\u00e4refter v\u00e4rderas i balansr\u00e4kningen och hur f\u00f6r\u00e4ndringar i dess v\u00e4rde redovisas. Tabellen Klassi\ufb01cering av \ufb01nansiella instrument i not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d  visar i vilka olika kategorier de \ufb01nansiella instrumenten i Nordeas  balansr\u00e4kning har klassi\ufb01cerats enligt IFRS 9. Upplupet anskaffningsv\u00e4rde Finansiella tillg\u00e5ngar och skulder v\u00e4rderade till upplupet anskaff- ningsv\u00e4rde redovisas initialt i balansr\u00e4kningen till verkligt v\u00e4rde,  inklusive transaktionskostnader. Efter f\u00f6rsta redovisningstillf\u00e4llet  v\u00e4rderas instrument i denna kategori till upplupet anskaffnings- v\u00e4rde. Vid v\u00e4rdering till upplupet anskaffningsv\u00e4rde resultatf\u00f6rs  skillnaden mellan anskaffningsv\u00e4rdet och inl\u00f6senv\u00e4rdet \u00f6ver den  \u00e5terst\u00e5ende l\u00f6ptiden med hj\u00e4lp av effektivr\u00e4ntemetoden. Upplu- pet anskaffningsv\u00e4rde de\ufb01nieras som det belopp till vilket den  \ufb01nansiella tillg\u00e5ngen eller skulden v\u00e4rderas vid f\u00f6rsta redovis- ningstillf\u00e4llet, minus avbetalningar av kapitalbelopp, plus eller  minus ackumulerade avskrivningar p\u00e5 eventuell skillnad mellan det ursprungliga beloppet och beloppet p\u00e5 f\u00f6rfallodagen och,  f\u00f6r \ufb01nansiella tillg\u00e5ngar, justerat f\u00f6r eventuell f\u00f6rlustreserv. De ackumulerade avskrivningarna ber\u00e4knas genom att till\u00e4mpa  effektivr\u00e4ntemetoden. F\u00f6r ytterligare information om effektivr\u00e4n- temetoden, se not K2.2 \u201dR\u00e4ntenetto\u201d. Information om nedskriv- ningar enligt IFRS 9 \ufb01nns i not K3.7 \u201dUtl\u00e5ning\u201d. R\u00e4nta p\u00e5 tillg\u00e5ngar och skulder i kategorin v\u00e4rderade till  upplupet anskaffningsv\u00e4rde redovisas normalt i resultatr\u00e4k- ningen under \u201dR\u00e4nteint\u00e4kter\u201d respektive \u201dR\u00e4ntekostnader\u201d. Finansiella tillg\u00e5ngar och skulder v\u00e4rderade  till verkligt v\u00e4rde via resultatr\u00e4kningen Finansiella tillg\u00e5ngar och skulder v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen v\u00e4rderas till verkligt v\u00e4rde exklusive transak- tionskostnader. F\u00f6r\u00e4ndringar i verkligt v\u00e4rde f\u00f6r dessa poster  redovisas normalt direkt i resultatr\u00e4kningen under \u201dNettoresultat  av poster till verkligt v\u00e4rde\u201d. Emellertid redovisas justeringar till  verkligt v\u00e4rde av marginalkomponenten f\u00f6r l\u00e5nefordringar i port- f\u00f6ljer d\u00e4r avsikten \u00e4r att beh\u00e5lla instrumenten till f\u00f6rfall och som  obligatoriskt v\u00e4rderas till verkligt v\u00e4rde (uppfyller inte SPPI-krite- riet) separat i resultatr\u00e4kningen under posten \u201dNettoresultat av  utl\u00e5ning i portf\u00f6ljer som h\u00e5lls till f\u00f6rfall och obligatoriskt v\u00e4rdera s till verkligt v\u00e4rde\u201d. F\u00f6r mer information, se not K2.4 \u201dSumma net- toresultat av poster till verkligt v\u00e4rde\u201d. F\u00f6r information om ber\u00e4k- ning av verkligt v\u00e4rde, se not K3.4 \u201dVerkligt v\u00e4rde\u201d. Den h\u00e4r kategorin har tv\u00e5 underkategorier: \u201dObligatoriskt v\u00e4r- derade till verkligt v\u00e4rde via resultatr\u00e4kningen\u201d och \u201dFr\u00e5n b\u00f6rjan  v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen (verkligt v\u00e4r- de-optionen)\u201d. Underkategorin \u201dFr\u00e5n b\u00f6rjan  v\u00e4rderade till verk- ligt v\u00e4rde via resultatr\u00e4kningen (verkligt v\u00e4rde-optionen)\u201d inne- b\u00e4r att \ufb01nansiella tillg\u00e5ngar och skulder kan v\u00e4rderas till verkligt  v\u00e4rde samtidigt som skillnaderna i verkligt v\u00e4rde redovisas i  resultatr\u00e4kningen. Det h\u00e4r alternativet kan anv\u00e4ndas om det eli- minerar eller avsev\u00e4rt minskar en bristande \u00f6verensst\u00e4mmelse i  redovisningen och f\u00f6r skulder om de f\u00f6rvaltas baserat p\u00e5 verk- ligt v\u00e4rde. F\u00f6r\u00e4ndringar i kreditrisk h\u00e4nf\u00f6rliga till skulder som  redan fr\u00e5n b\u00f6rjan v\u00e4rderats till verkligt v\u00e4rde via resultatr\u00e4k- ningen redovisas under \u00f6vrigt totalresultat, s\u00e5vida detta inte f\u00f6r- anleder bristande \u00f6verensst\u00e4mmelse i redovisningen. R\u00e4nteint\u00e4kter och r\u00e4ntekostnader h\u00e4nf\u00f6rliga till balanspos- ter redovisade till verkligt v\u00e4rde via resultatr\u00e4kningen klassi\ufb01- ceras normalt som \u201dNettoresultat av poster till verkligt v\u00e4rde\u201d.  F\u00f6r mer information, se not K2.4 \u201dSumma nettoresultat av pos- ter till verkligt v\u00e4rde\u201d och not K2.2 \u201dR\u00e4ntenetto\u201d. Finansiella tillg\u00e5ngar v\u00e4rderade till  verkligt v\u00e4rde via \u00f6vrigt totalresultat Finansiella tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via \u00f6vrigt  totalresultat v\u00e4rderas till verkligt v\u00e4rde med till\u00e4gg f\u00f6r transak- tionskostnader. F\u00f6r\u00e4ndringar i verkligt v\u00e4rde, med undantag f\u00f6r  r\u00e4ntor, valutakurseffekter och nedskrivningar, redovisas mot  verkligt v\u00e4rde-reserven under eget kapital via \u00f6vrigt totalresul- tat. R\u00e4nta redovisas i resultatr\u00e4kningen under \u201dR\u00e4nteint\u00e4kter\u201d,  valutakurseffekter under \u201dNettoresultat av poster till verkligt  v\u00e4rde\u201d och nedskrivningar under \u201dKreditf\u00f6rluster, netto\u201d. I sam- band med avyttring av ett instrument omklassi\ufb01ceras de acku- mulerade f\u00f6r\u00e4ndringarna i verkligt v\u00e4rde, som tidigare har redo- visats i verkligt  v\u00e4rde-reserven under \u00f6vrigt totalresultat, fr\u00e5n  eget kapital till resultatr\u00e4kningen under \u201dNettoresultat av poster  till verkligt v\u00e4rde\u201d. Information om nedskrivningar enligt IFRS 9  \ufb01nns i not K3.7 \u201dUtl\u00e5ning\u201d och information om ber\u00e4kning av  verkligt v\u00e4rde \ufb01nns i not K3.4 \u201dVerkligt v\u00e4rde\u201d . Sammansatta \ufb01nansiella instrument Sammansatta \ufb01nansiella instrument \u00e4r avtal som omfattar  ett v\u00e4rdavtal och ett inb\u00e4ddat derivat. S\u00e5dana kombinationer   uppst\u00e5r huvudsakligen i samband med emissioner av strukture- rade skuldinstrument, s\u00e5som emitterade indexobligationer och  l\u00e5nefordringar med inb\u00e4ddade r\u00e4ntekorridorer och r\u00e4ntetak. F\u00f6r strukturerade obligationer som har emitterats av Markets till\u00e4mpar Nordea verkligt v\u00e4rde-optionen, och hela det samman- satta instrumentet, v\u00e4rdavtalet och det inb\u00e4ddade derivatet, v\u00e4r- deras till verkligt v\u00e4rde via resultatr\u00e4kningen och redovisas under \u201dEmitterade v\u00e4rdepapper\u201d i balansr\u00e4kningen. F\u00f6r\u00e4ndring- ar i verkligt v\u00e4rde redovisas i resultatr\u00e4kningen under \u201dNettore- sultat av poster till verkligt v\u00e4rde\u201d, med undantag f\u00f6r f\u00f6r\u00e4ndring- ar i Nordeas egna kreditrisk som redovisas i \u00f6vrigt totalresultat. Emitterade skuld- och eget kapital-instrument Ett \ufb01nansiellt instrument emitterat av Nordea klassi\ufb01ceras antingen som en \ufb01nansiell skuld eller som eget kapital. Emitte- rade \ufb01nansiella instrument klassi\ufb01ceras som \ufb01nansiella skulder om avtalsf\u00f6rh\u00e5llandena inneb\u00e4r att Nordea har en be\ufb01ntlig f\u00f6r- pliktelse att antingen erl\u00e4gga kontanter eller annan \ufb01nansiell tillg\u00e5ng, eller ett variabelt antal eget kapital-instrument, till innehavaren av instrumentet. Om s\u00e5 inte \u00e4r fallet \u00e4r instrumen- tet vanligtvis ett eget kapital-instrument och klassi\ufb01ceras som eget kapital, med avdrag f\u00f6r transaktionskostnader. Om emit- terade \ufb01nansiella instrument inneh\u00e5ller b\u00e5de en skuld- och en eget kapital-del, redovisas dessa delar separat. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-610": {
   "value": "K3.3   Klassi\ufb01cering och v\u00e4rdering  Redovisningsprinciper Varje \ufb01nansiellt instrument har klassi\ufb01cerats i n\u00e5gon av   f\u00f6ljande  kategorier: Finansiella tillg\u00e5ngar: \u2022  Upplupet anskaffningsv\u00e4rde \u2022  Verkligt v\u00e4rde via resultatr\u00e4kningen:  -  Obligatoriskt v\u00e4rderade till verkligt v\u00e4rde via  resultatr\u00e4kningen  - Fr\u00e5n b\u00f6rjan v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4k- ningen (verkligt v\u00e4rde-optionen) \u2022  Finansiella tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via \u00f6vrigt  totalresultat Klassi\ufb01ceringen av en \ufb01nansiell tillg\u00e5ng best\u00e4ms utifr\u00e5n aff\u00e4rs- modellen f\u00f6r den portf\u00f6lj som instrumentet ing\u00e5r i och huru- vida kassafl\u00f6dena endast utg\u00f6r betalning av kapitalbelopp och  r\u00e4nta (SPPI). Finansiella tillg\u00e5ngar med kassafl\u00f6den som inte uteslutande  utg\u00f6rs av betalning av kapitalbelopp och r\u00e4nta v\u00e4rderas till verk- ligt v\u00e4rde via resultatr\u00e4kningen. Alla \u00f6vriga tillg\u00e5ngar klassi\ufb01ceras  utifr\u00e5n aff\u00e4rsmodellen. Portf\u00f6ljinstrument som omfattas av en aff\u00e4rsmodell d\u00e4r avsikten \u00e4r att beh\u00e5lla instrumenten och ta emot avtalsenliga kassafl\u00f6den v\u00e4rderas till upplupet anskaffningsv\u00e4rde.  Instrument som omfattas av en aff\u00e4rsmodell d\u00e4r avsikten \u00e4r b\u00e5de  att beh\u00e5lla instrumenten f\u00f6r att samla in avtalsenliga kassafl\u00f6den  och att s\u00e4lja instrumenten, v\u00e4rderas till verkligt v\u00e4rde via \u00f6vrigt  totalresultat. Finansiella tillg\u00e5ngar som omfattas av annan aff\u00e4rs- modell v\u00e4rderas till verkligt v\u00e4rde via resultatr\u00e4kningen. F\u00f6r att kunna fastst\u00e4lla aff\u00e4rsmodell har Nordea delat in sina \ufb01nansiella tillg\u00e5ngar i portf\u00f6ljer och underportf\u00f6ljer utifr\u00e5n hur olika grupper av \ufb01nansiella tillg\u00e5ngar f\u00f6rvaltas tillsammans f\u00f6r att  uppn\u00e5 ett visst aff\u00e4rsm\u00e5l. N\u00e4r r\u00e4tt niv\u00e5 f\u00f6r portf\u00f6ljen ska fastst\u00e4l- las har Nordea tagit h\u00e4nsyn till aktuell aff\u00e4rsomr\u00e5desstruktur. Vid  fastst\u00e4llandet av aff\u00e4rsmodell f\u00f6r respektive portf\u00f6lj har Nordea analyserat syftet med de \ufb01nansiella tillg\u00e5ngarna och exempelvis  tidigare f\u00f6rs\u00e4ljningstrender och ers\u00e4ttning till ledningen. Alla \ufb01nansiella tillg\u00e5ngar och skulder redovisas till verkligt  v\u00e4rde vid f\u00f6rsta redovisningstillf\u00e4llet. Klassi\ufb01ceringen av \ufb01nan- siella instrument i olika kategorier utg\u00f6r grunden f\u00f6r hur varje  \ufb01nansiellt instrument d\u00e4refter v\u00e4rderas i balansr\u00e4kningen och hur f\u00f6r\u00e4ndringar i dess v\u00e4rde redovisas. Tabellen Klassi\ufb01cering av \ufb01nansiella instrument i not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d  visar i vilka olika kategorier de \ufb01nansiella instrumenten i Nordeas  balansr\u00e4kning har klassi\ufb01cerats enligt IFRS 9. Upplupet anskaffningsv\u00e4rde Finansiella tillg\u00e5ngar och skulder v\u00e4rderade till upplupet anskaff- ningsv\u00e4rde redovisas initialt i balansr\u00e4kningen till verkligt v\u00e4rde,  inklusive transaktionskostnader. Efter f\u00f6rsta redovisningstillf\u00e4llet  v\u00e4rderas instrument i denna kategori till upplupet anskaffnings- v\u00e4rde. Vid v\u00e4rdering till upplupet anskaffningsv\u00e4rde resultatf\u00f6rs  skillnaden mellan anskaffningsv\u00e4rdet och inl\u00f6senv\u00e4rdet \u00f6ver den  \u00e5terst\u00e5ende l\u00f6ptiden med hj\u00e4lp av effektivr\u00e4ntemetoden. Upplu- pet anskaffningsv\u00e4rde de\ufb01nieras som det belopp till vilket den  \ufb01nansiella tillg\u00e5ngen eller skulden v\u00e4rderas vid f\u00f6rsta redovis- ningstillf\u00e4llet, minus avbetalningar av kapitalbelopp, plus eller  minus ackumulerade avskrivningar p\u00e5 eventuell skillnad mellan det ursprungliga beloppet och beloppet p\u00e5 f\u00f6rfallodagen och,  f\u00f6r \ufb01nansiella tillg\u00e5ngar, justerat f\u00f6r eventuell f\u00f6rlustreserv. De ackumulerade avskrivningarna ber\u00e4knas genom att till\u00e4mpa  effektivr\u00e4ntemetoden. F\u00f6r ytterligare information om effektivr\u00e4n- temetoden, se not K2.2 \u201dR\u00e4ntenetto\u201d. Information om nedskriv- ningar enligt IFRS 9 \ufb01nns i not K3.7 \u201dUtl\u00e5ning\u201d. R\u00e4nta p\u00e5 tillg\u00e5ngar och skulder i kategorin v\u00e4rderade till  upplupet anskaffningsv\u00e4rde redovisas normalt i resultatr\u00e4k- ningen under \u201dR\u00e4nteint\u00e4kter\u201d respektive \u201dR\u00e4ntekostnader\u201d. Finansiella tillg\u00e5ngar och skulder v\u00e4rderade  till verkligt v\u00e4rde via resultatr\u00e4kningen Finansiella tillg\u00e5ngar och skulder v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen v\u00e4rderas till verkligt v\u00e4rde exklusive transak- tionskostnader. F\u00f6r\u00e4ndringar i verkligt v\u00e4rde f\u00f6r dessa poster  redovisas normalt direkt i resultatr\u00e4kningen under \u201dNettoresultat  av poster till verkligt v\u00e4rde\u201d. Emellertid redovisas justeringar till  verkligt v\u00e4rde av marginalkomponenten f\u00f6r l\u00e5nefordringar i port- f\u00f6ljer d\u00e4r avsikten \u00e4r att beh\u00e5lla instrumenten till f\u00f6rfall och som  obligatoriskt v\u00e4rderas till verkligt v\u00e4rde (uppfyller inte SPPI-krite- riet) separat i resultatr\u00e4kningen under posten \u201dNettoresultat av  utl\u00e5ning i portf\u00f6ljer som h\u00e5lls till f\u00f6rfall och obligatoriskt v\u00e4rdera s till verkligt v\u00e4rde\u201d. F\u00f6r mer information, se not K2.4 \u201dSumma net- toresultat av poster till verkligt v\u00e4rde\u201d. F\u00f6r information om ber\u00e4k- ning av verkligt v\u00e4rde, se not K3.4 \u201dVerkligt v\u00e4rde\u201d. Den h\u00e4r kategorin har tv\u00e5 underkategorier: \u201dObligatoriskt v\u00e4r- derade till verkligt v\u00e4rde via resultatr\u00e4kningen\u201d och \u201dFr\u00e5n b\u00f6rjan  v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen (verkligt v\u00e4r- de-optionen)\u201d. Underkategorin \u201dFr\u00e5n b\u00f6rjan  v\u00e4rderade till verk- ligt v\u00e4rde via resultatr\u00e4kningen (verkligt v\u00e4rde-optionen)\u201d inne- b\u00e4r att \ufb01nansiella tillg\u00e5ngar och skulder kan v\u00e4rderas till verkligt  v\u00e4rde samtidigt som skillnaderna i verkligt v\u00e4rde redovisas i  resultatr\u00e4kningen. Det h\u00e4r alternativet kan anv\u00e4ndas om det eli- minerar eller avsev\u00e4rt minskar en bristande \u00f6verensst\u00e4mmelse i  redovisningen och f\u00f6r skulder om de f\u00f6rvaltas baserat p\u00e5 verk- ligt v\u00e4rde. F\u00f6r\u00e4ndringar i kreditrisk h\u00e4nf\u00f6rliga till skulder som  redan fr\u00e5n b\u00f6rjan v\u00e4rderats till verkligt v\u00e4rde via resultatr\u00e4k- ningen redovisas under \u00f6vrigt totalresultat, s\u00e5vida detta inte f\u00f6r- anleder bristande \u00f6verensst\u00e4mmelse i redovisningen. R\u00e4nteint\u00e4kter och r\u00e4ntekostnader h\u00e4nf\u00f6rliga till balanspos- ter redovisade till verkligt v\u00e4rde via resultatr\u00e4kningen klassi\ufb01- ceras normalt som \u201dNettoresultat av poster till verkligt v\u00e4rde\u201d.  F\u00f6r mer information, se not K2.4 \u201dSumma nettoresultat av pos- ter till verkligt v\u00e4rde\u201d och not K2.2 \u201dR\u00e4ntenetto\u201d. Finansiella tillg\u00e5ngar v\u00e4rderade till  verkligt v\u00e4rde via \u00f6vrigt totalresultat Finansiella tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via \u00f6vrigt  totalresultat v\u00e4rderas till verkligt v\u00e4rde med till\u00e4gg f\u00f6r transak- tionskostnader. F\u00f6r\u00e4ndringar i verkligt v\u00e4rde, med undantag f\u00f6r  r\u00e4ntor, valutakurseffekter och nedskrivningar, redovisas mot  verkligt v\u00e4rde-reserven under eget kapital via \u00f6vrigt totalresul- tat. R\u00e4nta redovisas i resultatr\u00e4kningen under \u201dR\u00e4nteint\u00e4kter\u201d,  valutakurseffekter under \u201dNettoresultat av poster till verkligt  v\u00e4rde\u201d och nedskrivningar under \u201dKreditf\u00f6rluster, netto\u201d. I sam- band med avyttring av ett instrument omklassi\ufb01ceras de acku- mulerade f\u00f6r\u00e4ndringarna i verkligt v\u00e4rde, som tidigare har redo- visats i verkligt  v\u00e4rde-reserven under \u00f6vrigt totalresultat, fr\u00e5n  eget kapital till resultatr\u00e4kningen under \u201dNettoresultat av poster  till verkligt v\u00e4rde\u201d. Information om nedskrivningar enligt IFRS 9  \ufb01nns i not K3.7 \u201dUtl\u00e5ning\u201d och information om ber\u00e4kning av  verkligt v\u00e4rde \ufb01nns i not K3.4 \u201dVerkligt v\u00e4rde\u201d ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialAssetsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-611": {
   "value": "K3.3 <span class=\"__10 _a_9\"> </span> <span class=\"__10 _b_9\"/>Klassi\ufb01cering och v\u00e4r<span class=\"__10 _d_9\"/>dering<span class=\"__10 _469\"> </span>Redovisningsprinciper<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>arje \ufb01nansiellt instrument har klassi\ufb01c<span class=\"__10 _471\"/>erats i n\u00e5gon a<span class=\"__10 _d_9\"/>v<span class=\"__10 _469\"> </span>f\u00f6ljande <span class=\"__10 _2c_4\"> </span>kategorier:<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar:<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\"><span class=\"__10 _469\">Upplupet anskaffningsv</span><span class=\"__10 _d_9\"/>\u00e4rde<span class=\"__10 _469\"> </span></span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde via resulta<span class=\"__10 _471\"/>tr\u00e4kningen:<span class=\"__10 _469\"> </span></span>-<span class=\"__10 _2c_4\"> </span> <span class=\"__10 _479\"/>Obligatoriskt v\u00e4r<span class=\"__10 _d_9\"/>derade till verkligt v\u00e4rde via<span class=\"__10 _469\"> </span>resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen<span class=\"__10 _469\"> </span>-<span class=\"__10 _2c_4\"> </span>F<span class=\"__10 _d_9\"/>r\u00e5n b\u00f6rjan v\u00e4rder<span class=\"__10 _471\"/>ade till verkligt v\u00e4r<span class=\"__10 _471\"/>de via resulta<span class=\"__10 _d_9\"/>tr\u00e4k-<span class=\"__10 _469\"> </span>ningen (verkligt v\u00e4r<span class=\"__10 _471\"/>de-optionen)<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Finansiella tillg\u00e5ngar v\u00e4rder<span class=\"__10 _471\"/>ade till verkligt v\u00e4r<span class=\"__10 _471\"/>de via \u00f6vrigt<span class=\"__10 _469\"> </span></span>totalr<span class=\"__10 _471\"/>esultat<span class=\"__10 _469\"> </span>Finansiella skulder:<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\"><span class=\"__10 _469\">Upplupet anskaffningsv</span><span class=\"__10 _d_9\"/>\u00e4rde<span class=\"__10 _469\"> </span></span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde via resulta<span class=\"__10 _471\"/>tr\u00e4kningen:<span class=\"__10 _469\"> </span></span>-<span class=\"__10 _2c_4\"> </span> <span class=\"__10 _479\"/>Obligatoriskt v\u00e4r<span class=\"__10 _d_9\"/>derade till verkligt v\u00e4rde via<span class=\"__10 _469\"> </span>resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen<span class=\"__10 _469\"> </span>-<span class=\"__10 _2c_4\"> </span>F<span class=\"__10 _d_9\"/>r\u00e5n b\u00f6rjan v\u00e4rder<span class=\"__10 _471\"/>ade till verkligt v\u00e4r<span class=\"__10 _471\"/>de via resulta<span class=\"__10 _d_9\"/>tr\u00e4k-<span class=\"__10 _469\"> </span>ningen (verkligt v\u00e4r<span class=\"__10 _471\"/>de-optionen)<span class=\"__10 _469\"> </span>Klassi\ufb01ceringen a<span class=\"__10 _471\"/>v en \ufb01nansiell tillg\u00e5ng best\u00e4ms utif<span class=\"__10 _471\"/><span class=\"__10 _469\">r\u00e5n aff</span><span class=\"__10 _d_9\"/>\u00e4r<span class=\"__10 _c_9\"/>s-<span class=\"__10 _469\"> </span>modellen f\u00f6r den portf<span class=\"__10 _471\"/>\u00f6lj som instrumen<span class=\"__10 _d_9\"/>tet ing\u00e5r i och huru-<span class=\"__10 _469\"> </span>vida kassafl\u00f6dena endast ut<span class=\"__10 _471\"/>g\u00f6r betalning av k<span class=\"__10 _471\"/>apitalbelopp och<span class=\"__10 _469\"> </span>r\u00e4n<span class=\"__10 _471\"/>ta (SPPI).<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar med kassafl\u00f6den som in<span class=\"__10 _d_9\"/>te uteslutande<span class=\"__10 _469\"> </span>utg\u00f6rs av betalning a<span class=\"__10 _d_9\"/>v kapitalbelopp och r\u00e4nt<span class=\"__10 _471\"/>a v\u00e4rder<span class=\"__10 _471\"/>as till verk<span class=\"__10 _d_9\"/><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ligt v\u00e4rde via r<span class=\"__10 _471\"/>esultatr<span class=\"__10 _d_9\"/>\u00e4kningen. Alla \u00f6vriga tillg\u00e5ngar klassi\ufb01ceras<span class=\"__10 _469\"> </span>utifr\u00e5n a<span class=\"__10 _471\"/><span class=\"__10 _469\">ff\u00e4rsmodellen. P</span><span class=\"__10 _471\"/>ortf\u00f6ljinstrumen<span class=\"__10 _d_9\"/>t som omfattas a<span class=\"__10 _d_9\"/>v en<span class=\"__10 _c_9\"/> <span class=\"__10 _469\">aff\u00e4rsmodell d\u00e4r a</span><span class=\"__10 _d_9\"/>vsikten \u00e4r att beh\u00e5lla ins<span class=\"__10 _471\"/>trumenten och ta emo<span class=\"__10 _d_9\"/>t<span class=\"__10 _c_9\"/> avtals<span class=\"__10 _471\"/>enliga kassafl\u00f6den v\u00e4r<span class=\"__10 _d_9\"/><span class=\"__10 _469\">deras till upplupet anskaffningsv\u00e4r</span><span class=\"__10 _471\"/>de.<span class=\"__10 _469\"> </span>Instrument s<span class=\"__10 _471\"/>om omf<span class=\"__10 _d_9\"/><span class=\"__10 _469\">attas av en aff</span><span class=\"__10 _d_9\"/>\u00e4r<span class=\"__10 _c_9\"/>smodell d\u00e4r avsik<span class=\"__10 _d_9\"/>ten \u00e4r b\u00e5de<span class=\"__10 _469\"> </span>att beh\u00e5lla instrumen<span class=\"__10 _d_9\"/>ten f\u00f6r att samla in a<span class=\"__10 _d_9\"/>vtalsenliga kassafl\u00f6den<span class=\"__10 _469\"> </span>och att s\u00e4lja instrumen<span class=\"__10 _d_9\"/>ten, v\u00e4rderas till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde via \u00f6vrigt<span class=\"__10 _469\"> </span>totalr<span class=\"__10 _471\"/>esultat. Finansiella tillg\u00e5ngar som omf<span class=\"__10 _d_9\"/>attas av annan a<span class=\"__10 _471\"/><span class=\"__10 _469\">ff\u00e4rs</span><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>modell v\u00e4rder<span class=\"__10 _471\"/>as till verkligt v\u00e4r<span class=\"__10 _471\"/>de via resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen.<span class=\"__10 _469\"> </span>F\u00f6r a<span class=\"__10 _471\"/>tt kunna f<span class=\"__10 _471\"/>astst<span class=\"__10 _471\"/><span class=\"__10 _469\">\u00e4lla aff\u00e4rsmodell har </span><span class=\"ws8_9\">Nordea</span> dela<span class=\"__10 _d_9\"/>t in sina<span class=\"__10 _c_9\"/> \ufb01nansiella tillg\u00e5ngar i portf\u00f6ljer och underportf\u00f6ljer utifr<span class=\"__10 _d_9\"/>\u00e5n hur<span class=\"__10 _c_9\"/> olika grupper av \ufb01nansiella tillg\u00e5ngar f<span class=\"__10 _d_9\"/>\u00f6rvaltas tillsammans f\u00f6r a<span class=\"__10 _471\"/>tt<span class=\"__10 _469\"> </span><span class=\"__10 _469\">uppn\u00e5 ett visst aff</span><span class=\"__10 _d_9\"/>\u00e4r<span class=\"__10 _c_9\"/>sm\u00e5l. N\u00e4r r\u00e4tt niv\u00e5 f<span class=\"__10 _d_9\"/>\u00f6r portf\u00f6ljen ska fasts<span class=\"__10 _d_9\"/>t\u00e4l<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>las har <span class=\"ws8_9\">Nordea</span> tagit h\u00e4nsyn till ak<span class=\"__10 _471\"/><span class=\"__10 _469\">tuell aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5desstruk<span class=\"__10 _d_9\"/>tur<span class=\"__10 _471\"/>. Vid<span class=\"__10 _469\"> </span>fas<span class=\"__10 _471\"/>tst\u00e4llandet a<span class=\"__10 _d_9\"/><span class=\"__10 _469\">v aff\u00e4rsmodell f\u00f6r re</span><span class=\"__10 _471\"/>spektiv<span class=\"__10 _471\"/>e portf\u00f6lj har <span class=\"ws8_9\">Nordea</span><span class=\"ls0_10\"> </span>analyser<span class=\"__10 _471\"/>at syftet med de \ufb01nansiella tillg\u00e5ngarna och ex<span class=\"__10 _d_9\"/>empelvis<span class=\"__10 _469\"> </span>tidigare f<span class=\"__10 _471\"/>\u00f6rs\u00e4ljningstrender och ers\u00e4ttning till ledningen.<span class=\"__10 _469\"> </span>Alla \ufb01nansiella tillg\u00e5ngar och skulder redo<span class=\"__10 _471\"/>visas till verkligt<span class=\"__10 _469\"> </span>v\u00e4rde vid f<span class=\"__10 _d_9\"/>\u00f6rsta redovisningstillf<span class=\"__10 _d_9\"/>\u00e4llet<span class=\"__10 _c_9\"/>. Klassi\ufb01ceringen av \ufb01nan<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>siella instrument i olik<span class=\"__10 _471\"/>a kategorier utg\u00f6r grunden f<span class=\"__10 _d_9\"/>\u00f6r hur varje<span class=\"__10 _469\"> </span>\ufb01nansiellt instrumen<span class=\"__10 _d_9\"/>t d\u00e4refter v\u00e4rderas i balansr<span class=\"__10 _d_9\"/>\u00e4kningen och<span class=\"__10 _c_9\"/> hur f\u00f6r<span class=\"__10 _471\"/>\u00e4ndringar i dess v\u00e4rde r<span class=\"__10 _d_9\"/>edovisas. T<span class=\"__10 _479\"/>abellen Klassi\ufb01cering a<span class=\"__10 _d_9\"/>v<span class=\"__10 _c_9\"/> \ufb01nansiella instrument i no<span class=\"__10 _d_9\"/>t K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d<span class=\"__10 _469\"> </span>visar i vilka olika kategorier de \ufb01nansiella ins<span class=\"__10 _d_9\"/>trumenten i <span class=\"wsb_9\">Nordea</span><span class=\"ls0_10\">s<span class=\"__10 _469\"> </span></span>balansr\u00e4kning har klassi\ufb01cer<span class=\"__10 _471\"/>ats enligt IFRS 9.<span class=\"__10 _469\"> </span><span class=\"__10 _469\">Upplupet anskaff</span><span class=\"__10 _471\"/>ningsv\u00e4rde<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar och skulder v\u00e4r<span class=\"__10 _471\"/>derade till upplupet anska<span class=\"__10 _471\"/><span class=\"__10 _469\">ff</span><span class=\"ls0_10 ws0_10\">-<span class=\"__10 _469\"> </span></span>ningsv\u00e4rde r<span class=\"__10 _471\"/>edovisas initialt i balansr\u00e4kningen till v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde,<span class=\"__10 _469\"> </span>inklusive transak<span class=\"__10 _d_9\"/>tionskostnader<span class=\"__10 _d_9\"/>. Efter f<span class=\"__10 _471\"/>\u00f6rsta redovisnings<span class=\"__10 _d_9\"/>tillf\u00e4llet<span class=\"__10 _469\"> </span>v\u00e4rder<span class=\"__10 _471\"/>as instrumen<span class=\"__10 _471\"/>t i denna kategori till upplupet ansk<span class=\"__10 _471\"/><span class=\"__10 _469\">affnings</span><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>v\u00e4rde. Vid v<span class=\"__10 _471\"/><span class=\"__10 _469\">\u00e4rdering till upplupet anskaff</span><span class=\"__10 _d_9\"/>ningsv\u00e4rde resulta<span class=\"__10 _471\"/>tf\u00f6rs<span class=\"__10 _469\"> </span><span class=\"__10 _469\">skillnaden mellan anskaffningsv</span><span class=\"__10 _471\"/>\u00e4rdet och inl\u00f6senv<span class=\"__10 _d_9\"/>\u00e4rdet \u00f6ver den<span class=\"__10 _469\"> </span>\u00e5terst\u00e5ende l\u00f6p<span class=\"__10 _d_9\"/><span class=\"__10 _469\">tiden med hj\u00e4lp av effek</span><span class=\"__10 _d_9\"/>tivr\u00e4ntemetoden. Upplu<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span><span class=\"__10 _469\">pet anskaffningsv</span><span class=\"__10 _471\"/>\u00e4rde de\ufb01nieras s<span class=\"__10 _471\"/>om det belopp till vilket den<span class=\"__10 _469\"> </span>\ufb01nansiella tillg\u00e5ngen eller skulden v\u00e4r<span class=\"__10 _d_9\"/>deras vid f\u00f6rsta redo<span class=\"__10 _471\"/>vis<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ningstillf<span class=\"__10 _471\"/>\u00e4llet, minus avbetalningar a<span class=\"__10 _d_9\"/>v kapitalbelopp, plus eller<span class=\"__10 _469\"> </span>minus ackumulerade a<span class=\"__10 _d_9\"/>vskrivningar p\u00e5 eventuell skillnad mellan<span class=\"__10 _469\"> </span>det ursprungliga beloppet och beloppet p\u00e5 f\u00f6rfallodagen och,<span class=\"__10 _469\"> </span> f\u00f6r \ufb01nansiella tillg\u00e5ngar<span class=\"__10 _479\"/>, justerat f<span class=\"__10 _d_9\"/>\u00f6r eventuell f<span class=\"__10 _d_9\"/>\u00f6rlustreserv<span class=\"__10 _d_9\"/>. De<span class=\"__10 _c_9\"/> ackumulerade a<span class=\"__10 _d_9\"/>vskrivningarna ber\u00e4knas genom att till\u00e4mpa<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">effek</span><span class=\"__10 _d_9\"/>tivr\u00e4ntemetoden. F<span class=\"__10 _d_9\"/>\u00f6r ytterligare inf<span class=\"__10 _d_9\"/><span class=\"__10 _469\">ormation om effektivr</span><span class=\"__10 _d_9\"/>\u00e4n<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>temetoden, se not K2.2 \u201dR\u00e4n<span class=\"__10 _d_9\"/>tenetto\u201d<span class=\"__10 _d_9\"/>. Inf<span class=\"__10 _471\"/>ormation om nedskriv<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ningar enligt IFRS 9 \ufb01nns i not K3.<span class=\"__10 _471\"/>7 \u201dUtl\u00e5ning\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>R\u00e4nta p\u00e5 tillg\u00e5ngar och sk<span class=\"__10 _471\"/>ulder i kategorin v<span class=\"__10 _d_9\"/>\u00e4rderade till<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">upplupet anskaffningsv</span><span class=\"__10 _d_9\"/>\u00e4rde redovisas normalt i resul<span class=\"__10 _471\"/>tatr\u00e4k<span class=\"__10 _d_9\"/>-<span class=\"__10 _469\"> </span>ningen under \u201dR\u00e4ntein<span class=\"__10 _d_9\"/>t\u00e4kter<span class=\"__10 _c_9\"/>\u201d respektiv<span class=\"__10 _d_9\"/>e \u201dR\u00e4ntekostnader\u201d<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar och skulder v\u00e4r<span class=\"__10 _471\"/>derade<span class=\"__10 _469\"> </span> till verkligt v\u00e4r<span class=\"__10 _471\"/>de via resul<span class=\"__10 _471\"/>tatr<span class=\"__10 _471\"/>\u00e4kningen<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar och skulder v\u00e4r<span class=\"__10 _471\"/>derade till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde via<span class=\"__10 _c_9\"/> resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen v\u00e4rderas till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde exklusive tr<span class=\"__10 _471\"/>ansak<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>tionskostnader<span class=\"__10 _479\"/>. F\u00f6r\u00e4ndringar i verkligt v<span class=\"__10 _471\"/>\u00e4rde f<span class=\"__10 _471\"/>\u00f6r dessa poster<span class=\"__10 _469\"> </span> redovisas normalt dir<span class=\"__10 _d_9\"/>ekt i resultatr<span class=\"__10 _d_9\"/>\u00e4kningen under \u201dNettoresultat<span class=\"__10 _469\"> </span> av pos<span class=\"__10 _d_9\"/>ter till verkligt v\u00e4rde\u201d<span class=\"__10 _479\"/>. Emellertid redovisas justeringar till<span class=\"__10 _469\"> </span> verkligt v\u00e4r<span class=\"__10 _471\"/>de av mar<span class=\"__10 _471\"/>ginalkomponen<span class=\"__10 _471\"/>ten f\u00f6r l\u00e5ne<span class=\"__10 _471\"/>for<span class=\"__10 _471\"/>dringar i port<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>f\u00f6ljer d\u00e4r a<span class=\"__10 _d_9\"/>vsikten \u00e4r att beh\u00e5lla ins<span class=\"__10 _471\"/>trumenten till f<span class=\"__10 _d_9\"/>\u00f6rfall och som<span class=\"__10 _469\"> </span> obligatorisk<span class=\"__10 _d_9\"/>t v\u00e4rderas till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de (uppfyller inte SPPI-krite<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>riet) separat i r<span class=\"__10 _d_9\"/>esultatr\u00e4kningen under posten \u201dNett<span class=\"__10 _d_9\"/>oresultat a<span class=\"__10 _471\"/>v<span class=\"__10 _469\"> </span> utl\u00e5ning i portf\u00f6ljer som h\u00e5lls till f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>fall och obligat<span class=\"__10 _471\"/>oriskt v<span class=\"__10 _d_9\"/>\u00e4rdera<span class=\"__10 _469\"> </span>s till verkligt v\u00e4r<span class=\"__10 _471\"/>de\u201d<span class=\"__10 _479\"/>. F\u00f6r mer inf<span class=\"__10 _d_9\"/>ormation, se not K2.4 \u201dSumma net<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>toresult<span class=\"__10 _471\"/>at a<span class=\"__10 _d_9\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__10 _479\"/>. F\u00f6r in<span class=\"__10 _d_9\"/>formation om ber\u00e4k<span class=\"__10 _d_9\"/><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ning av v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde, se not K3.4 \u201dV<span class=\"__10 _d_9\"/>erkligt v\u00e4rde\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>Den h\u00e4r kategorin har tv<span class=\"__10 _471\"/>\u00e5 underkategorier: \u201dObliga<span class=\"__10 _d_9\"/>toriskt v\u00e4r<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>derade till verkligt v<span class=\"__10 _471\"/>\u00e4rde via resul<span class=\"__10 _471\"/>tatr\u00e4kningen\u201d och \u201dF<span class=\"__10 _d_9\"/>r\u00e5n b\u00f6rjan<span class=\"__10 _469\"> </span> v\u00e4rder<span class=\"__10 _471\"/>ade till verkligt v\u00e4r<span class=\"__10 _471\"/>de via resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen (verkligt v\u00e4r<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>de-optionen)\u201d<span class=\"__10 _479\"/>. Underkategorin \u201dFr<span class=\"__10 _471\"/>\u00e5n b\u00f6rjan  <span class=\"__10 _2f_4\"/>v\u00e4rder<span class=\"__10 _471\"/>ade till verk<span class=\"__10 _471\"/><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ligt v\u00e4rde via r<span class=\"__10 _471\"/>esultatr<span class=\"__10 _d_9\"/>\u00e4kningen (verkligt v\u00e4rde-optionen)\u201d inne<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>b\u00e4r att \ufb01nansiella tillg\u00e5ngar och skulder kan v<span class=\"__10 _d_9\"/>\u00e4rderas till verkligt<span class=\"__10 _469\"> </span> v\u00e4rde sam<span class=\"__10 _d_9\"/>tidigt som skillnaderna i verkligt v\u00e4rde redovisas i<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen. Det h\u00e4r alternativet kan an<span class=\"__10 _471\"/>v\u00e4ndas om det eli<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>minerar eller a<span class=\"__10 _d_9\"/>vsev\u00e4rt minskar en bristande \u00f6verenss<span class=\"__10 _d_9\"/>t\u00e4mmelse i<span class=\"__10 _469\"> </span> redovisningen och f<span class=\"__10 _d_9\"/>\u00f6r skulder om de f\u00f6rvaltas baser<span class=\"__10 _d_9\"/>at p\u00e5 verk<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ligt v\u00e4rde. F<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i kreditrisk h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6rliga till skulder som<span class=\"__10 _469\"> </span> redan fr<span class=\"__10 _471\"/>\u00e5n b\u00f6rjan v\u00e4rder<span class=\"__10 _471\"/>ats till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde via resultatr\u00e4k<span class=\"__10 _d_9\"/><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ningen redovisas under \u00f6vrigt t<span class=\"__10 _d_9\"/>otalresultat, s\u00e5vida dett<span class=\"__10 _471\"/>a inte f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>anleder bristande \u00f6v<span class=\"__10 _d_9\"/>erensst\u00e4mmelse i redovisningen.<span class=\"__10 _469\"> </span>R\u00e4ntein<span class=\"__10 _d_9\"/>t\u00e4kter och r\u00e4n<span class=\"__10 _d_9\"/>tekostnader h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6rliga till balanspos-<span class=\"__10 _469\"> </span>ter redovisade till v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde via resultatr<span class=\"__10 _d_9\"/>\u00e4kningen klassi\ufb01-<span class=\"__10 _469\"> </span>ceras normalt s<span class=\"__10 _471\"/>om \u201dNettoresult<span class=\"__10 _471\"/>at a<span class=\"__10 _d_9\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span> F\u00f6r mer in<span class=\"__10 _d_9\"/>formation, se not K2.4 \u201dSumma nettor<span class=\"__10 _d_9\"/>esultat av pos-<span class=\"__10 _469\"> </span>ter till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de\u201d och not K2.2 \u201dR\u00e4ntenetto\u201d<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar v\u00e4rder<span class=\"__10 _471\"/>ade till  verkligt v\u00e4r<span class=\"__10 _471\"/>de via \u00f6vrigt to<span class=\"__10 _471\"/>talresul<span class=\"__10 _471\"/>tat<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar v\u00e4rder<span class=\"__10 _471\"/>ade till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de via \u00f6vrigt<span class=\"__10 _469\"> </span> totalr<span class=\"__10 _471\"/>esultat v<span class=\"__10 _d_9\"/>\u00e4rderas till verkligt v\u00e4rde med till\u00e4gg f<span class=\"__10 _d_9\"/>\u00f6r transak<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>tionskostnader<span class=\"__10 _479\"/>. F\u00f6r\u00e4ndringar i verkligt v<span class=\"__10 _471\"/>\u00e4rde, med undan<span class=\"__10 _471\"/>tag f\u00f6r<span class=\"__10 _469\"> </span> r\u00e4n<span class=\"__10 _471\"/>tor<span class=\"__10 _d_9\"/><span class=\"__10 _469\">, valutakurseff</span><span class=\"__10 _d_9\"/>ekter och nedskrivningar<span class=\"__10 _d_9\"/>, redovisas mot<span class=\"__10 _469\"> </span> verkligt v\u00e4r<span class=\"__10 _471\"/>de-reserven under eget kapital via \u00f6<span class=\"__10 _471\"/>vrigt totalr<span class=\"__10 _471\"/>esul<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>tat. R\u00e4nta redo<span class=\"__10 _d_9\"/>visas i resultatr\u00e4kningen under \u201dR\u00e4n<span class=\"__10 _d_9\"/>teint\u00e4kter\u201d<span class=\"__10 _d_9\"/>,<span class=\"__10 _469\"> </span> valutak<span class=\"__10 _471\"/><span class=\"__10 _469\">urseffek</span><span class=\"__10 _d_9\"/>ter under \u201dNettoresultat a<span class=\"__10 _d_9\"/>v poster till verkligt<span class=\"__10 _469\"> </span> v\u00e4rde\u201d och nedskrivningar under \u201dKr<span class=\"__10 _471\"/>editf\u00f6rlus<span class=\"__10 _d_9\"/>ter<span class=\"__10 _471\"/>, netto\u201d<span class=\"__10 _479\"/>. I sam<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>band med avyttring a<span class=\"__10 _d_9\"/>v ett instrument omklassi\ufb01cer<span class=\"__10 _471\"/>as de acku<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>mulerade f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringarna i verkligt v\u00e4rde, som tidigare har r<span class=\"__10 _d_9\"/>edo<span class=\"__10 _c_9\"/><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>visats i verkligt  <span class=\"__10 _2f_4\"/>v<span class=\"__10 _471\"/>\u00e4rde-reserven under \u00f6<span class=\"__10 _471\"/>vrigt totalr<span class=\"__10 _471\"/>esulta<span class=\"__10 _471\"/>t, fr\u00e5n<span class=\"__10 _469\"> </span> eget kapital till result<span class=\"__10 _471\"/>atr\u00e4kningen under \u201dNett<span class=\"__10 _471\"/>oresulta<span class=\"__10 _d_9\"/>t av poster<span class=\"__10 _469\"> </span> till verkligt v\u00e4r<span class=\"__10 _471\"/>de\u201d<span class=\"__10 _479\"/>. Information om nedskrivningar enligt IFRS 9<span class=\"__10 _469\"> </span> \ufb01nns i not K3.<span class=\"__10 _471\"/>7 \u201dUtl\u00e5ning\u201d och inf<span class=\"__10 _d_9\"/>ormation om ber\u00e4kning av<span class=\"__10 _469\"> </span> verkligt v\u00e4r<span class=\"__10 _471\"/>de \ufb01nns i not K3.4 \u201dV<span class=\"__10 _d_9\"/>erkligt v\u00e4rde\u201d<span class=\"__10 _469\"> </span><span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>Sammansatta \ufb01nansiella instrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _469\"> </span>Sammansatta \ufb01nansiella instrumen<span class=\"__10 _d_9\"/>t \u00e4r avtal som omf<span class=\"__10 _d_9\"/>attar<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">ett v\u00e4rda</span><span class=\"__10 _d_9\"/>vtal och ett inb\u00e4ddat derivat. S\u00e5dana kombinationer<span class=\"__10 _469\"> </span>  <span class=\"__10 _2f_4\"/>uppst\u00e5r huvudsakligen i samband med emissioner a<span class=\"__10 _d_9\"/>v strukture<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>rade skuldins<span class=\"__10 _d_9\"/>trument<span class=\"__10 _c_9\"/>, s\u00e5som emitterade inde<span class=\"__10 _d_9\"/>xobligationer och<span class=\"__10 _469\"> </span> l\u00e5nefor<span class=\"__10 _471\"/>dringar med inb\u00e4ddade r\u00e4n<span class=\"__10 _471\"/>tekorridorer och r<span class=\"__10 _d_9\"/>\u00e4ntetak.<span class=\"__10 _469\"> </span>F\u00f6r s<span class=\"__10 _471\"/>truktur<span class=\"__10 _471\"/>erade obligationer som har emitt<span class=\"__10 _d_9\"/>erats av Markets till\u00e4mpar Nordea<span class=\"ws0_10\"> verkligt v<span class=\"__10 _d_9\"/>\u00e4rde-optionen, och hela det samman<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></span>satta instrumen<span class=\"__10 _d_9\"/>tet<span class=\"__10 _c_9\"/>, v\u00e4rda<span class=\"__10 _d_9\"/>vtalet och det inb\u00e4ddade derivatet, v\u00e4r<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>deras till verkligt v<span class=\"__10 _471\"/>\u00e4rde via resul<span class=\"__10 _471\"/>tatr\u00e4kningen och r<span class=\"__10 _d_9\"/>edovisas under \u201dEmitterade v<span class=\"__10 _471\"/>\u00e4rdepapper<span class=\"__10 _c_9\"/>\u201d i balansr\u00e4kningen. F<span class=\"__10 _471\"/>\u00f6r\u00e4ndring<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ar i verkligt v\u00e4r<span class=\"__10 _471\"/>de redovisas i re<span class=\"__10 _471\"/>sultatr<span class=\"__10 _d_9\"/>\u00e4kningen under \u201dNettore<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>sultat a<span class=\"__10 _d_9\"/>v poster till verkligt v\u00e4r<span class=\"__10 _471\"/>de\u201d<span class=\"__10 _479\"/>, med undantag f\u00f6r f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndring<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ar i <span class=\"wsd_9\">Nordea</span>s egna kreditrisk som r<span class=\"__10 _471\"/>edovisas i \u00f6vrigt to<span class=\"__10 _d_9\"/>talresultat.<span class=\"__10 _469\"> </span>Emitterade skuld- och eget k<span class=\"__10 _471\"/>apital-instrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _469\"> </span>Ett \ufb01nansiellt instrumen<span class=\"__10 _d_9\"/>t emitterat av <span class=\"wse_9\">Nor<span class=\"__10 _d_9\"/>dea<span class=\"ws0_10\"> klassi\ufb01ceras </span></span>antingen som en \ufb01nansiell sk<span class=\"__10 _471\"/>uld eller som eget kapital. Emitte<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>rade \ufb01nansiella instrumen<span class=\"__10 _d_9\"/>t klassi\ufb01ceras som \ufb01nansiella skulder om avtalsf<span class=\"__10 _d_9\"/>\u00f6rh\u00e5llandena inneb\u00e4r att <span class=\"wse_9\">Nordea</span> har en be\ufb01ntlig f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>pliktels<span class=\"__10 _471\"/>e att antingen erl\u00e4gga k<span class=\"__10 _d_9\"/>ontanter eller annan \ufb01nansiell tillg\u00e5ng, eller ett variabelt an<span class=\"__10 _d_9\"/>tal eget kapital-instrument, till innehav<span class=\"__10 _d_9\"/>aren av instrumen<span class=\"__10 _d_9\"/>tet<span class=\"__10 _c_9\"/>. Om s\u00e5 inte \u00e4r f<span class=\"__10 _d_9\"/>allet \u00e4r instrumen<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>tet vanligtvis ett eget kapital<span class=\"__10 _d_9\"/>-instrument och klassi\ufb01ceras som eget kapital, med av<span class=\"__10 _471\"/>drag f<span class=\"__10 _d_9\"/>\u00f6r transaktionskostnader<span class=\"__10 _479\"/>. Om emit<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>terade \ufb01nansiella ins<span class=\"__10 _471\"/>trument inneh\u00e5ller b\u00e5de en sk<span class=\"__10 _471\"/>uld- och en eget kapital-del, redovisas dessa delar separ<span class=\"__10 _d_9\"/>at<span class=\"__10 _c_9\"/>.<span class=\"__10 _469\"> </span>Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__10 _d_9\"/>ttningar Nordea<span class=\"ws0_10\"> klassi\ufb01cerar \ufb01nansiella tillg\u00e5ngar utif<span class=\"__10 _d_9\"/><span class=\"__10 _469\">r\u00e5n den aff\u00e4rsmo</span><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></span>dell som anv\u00e4nds f<span class=\"__10 _d_9\"/><span class=\"__10 _469\">\u00f6r tillg\u00e5ngarna. N\u00e4r aff\u00e4rsmodellen f\u00f6r obliga</span><span class=\"__10 _d_9\"/><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span><span class=\"__10 _469\">tioner i likviditetsbufferten ska f</span><span class=\"__10 _d_9\"/>astst\u00e4llas anv<span class=\"__10 _471\"/>\u00e4nder sig <span class=\"wsf_9\">Nordea<span class=\"lsb_9 ws10_9\"> av<span class=\"__10 _c_9\"/> </span></span>kritiska bed\u00f6mningar<span class=\"__10 _d_9\"/><span class=\"__10 _469\">. Obligationerna i likviditetsbuff</span><span class=\"__10 _471\"/>erten delas in i tre portf\u00f6ljer<span class=\"__10 _479\"/>. <span class=\"wsf_9\">Nordea</span> har f\u00f6r den f\u00f6rs<span class=\"__10 _471\"/>ta portf\u00f6ljen f<span class=\"__10 _471\"/>astst\u00e4ll<span class=\"__10 _d_9\"/>t att<span class=\"__10 _c_9\"/> <span class=\"__10 _469\">aff\u00e4rsmodellen \u00e4r a</span><span class=\"__10 _471\"/>tt beh\u00e5lla obligationerna och inkasser<span class=\"__10 _471\"/>a avt<span class=\"__10 _471\"/>al<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>senliga kassafl\u00f6den sam<span class=\"__10 _471\"/>t att s\u00e4lja \ufb01nansiella tillg\u00e5ngar<span class=\"__10 _479\"/>. F\u00f6r den andra portf\u00f6ljen har <span class=\"wsf_9\">Nor<span class=\"__10 _471\"/>dea<span class=\"ws0_10\"> fas<span class=\"__10 _471\"/>tst\u00e4llt a<span class=\"__10 _471\"/><span class=\"__10 _469\">tt aff</span><span class=\"__10 _471\"/>\u00e4rsmodellen \u00e4r att </span></span>f\u00f6rvalt<span class=\"__10 _471\"/>a obligationerna med m\u00e5let att r<span class=\"__10 _471\"/>ealisera kassa<span class=\"__10 _471\"/>fl\u00f6den genom att s\u00e4lja tillg\u00e5ngar<span class=\"__10 _d_9\"/>. F\u00f6r den tr<span class=\"__10 _471\"/>edje portf\u00f6ljen har <span class=\"wsf_9\">Nordea</span><span class=\"ls0_10\"> </span>fas<span class=\"__10 _471\"/>tst\u00e4llt a<span class=\"__10 _d_9\"/><span class=\"__10 _469\">tt aff\u00e4rsmodellen \u00e4r att beh\u00e5lla obligationerna och </span>inkassera a<span class=\"__10 _d_9\"/>vtalsenliga kassafl\u00f6den. Obligationerna i den f<span class=\"__10 _471\"/>\u00f6rsta portf\u00f6ljen v\u00e4r<span class=\"__10 _471\"/>deras till verkligt v<span class=\"__10 _471\"/>\u00e4rde via \u00f6vrigt to<span class=\"__10 _d_9\"/>talresultat, obli<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>gationerna i den andra portf<span class=\"__10 _471\"/>\u00f6ljen v\u00e4rder<span class=\"__10 _d_9\"/>as till verkligt v\u00e4rde via resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen och den tredje portf\u00f6ljen v\u00e4rder<span class=\"__10 _471\"/>as till upplupet <span class=\"__10 _469\">anskaffningsv</span><span class=\"__10 _471\"/>\u00e4rde. V<span class=\"__10 _d_9\"/>\u00e4rdet p\u00e5 r\u00e4n<span class=\"__10 _471\"/>teb\u00e4rande v<span class=\"__10 _471\"/>\u00e4rdepapper<span class=\"__10 _d_9\"/>, inklu<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>sive pantsa<span class=\"__10 _d_9\"/><span class=\"__10 _469\">tta \ufb01nansiella instrument i likviditetsbuff</span><span class=\"__10 _d_9\"/>er<span class=\"__10 _c_9\"/>ten, som v\u00e4rder<span class=\"__10 _471\"/>as till verkligt v\u00e4r<span class=\"__10 _471\"/>de via \u00f6vrigt to<span class=\"__10 _471\"/>talresulta<span class=\"__10 _d_9\"/>t (f\u00f6rsta portf\u00f6l<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>jen), verkligt v\u00e4r<span class=\"__10 _471\"/>de via resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen (andra portf\u00f6ljen) och <span class=\"__10 _469\">upplupet anskaffningsv</span><span class=\"__10 _d_9\"/>\u00e4rde (tredje portf\u00f6ljen) uppgick vid \u00e5rets <span class=\"__10 _469\">slut till 32 495 mn euro (33 972 mn euro), 2</span><span class=\"__10 _471\"/>4 078 mn euro (2<span class=\"ws0_10\"><span class=\"__10 _469\">3 548 mn euro) respek</span><span class=\"__10 _471\"/>tive 41 mn euro (88 mn eur<span class=\"__10 _471\"/>o).<span class=\"__10 _469\"> </span></span>Nordea<span class=\"ws0_10\"> klassi\ufb01cerar ocks\u00e5 \ufb01nansiella tillg\u00e5ngar utif<span class=\"__10 _d_9\"/>r\u00e5n huru<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></span>vida avtalsvillk<span class=\"__10 _d_9\"/>oren f\u00f6r de \ufb01nansiella tillg\u00e5ngarna ger upphov till kassafl\u00f6den som utesl<span class=\"__10 _471\"/>utande utg\u00f6rs av bet<span class=\"__10 _471\"/>alning av k<span class=\"__10 _471\"/>apitalbe<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>lopp och r\u00e4n<span class=\"__10 _471\"/>ta p\u00e5 utest\u00e5ende k<span class=\"__10 _471\"/>apitalbelopp (SPPI, solely pa<span class=\"__10 _d_9\"/>y<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ment of principal and in<span class=\"__10 _d_9\"/>terest). Vissa l\u00e5nea<span class=\"__10 _471\"/>vtal hos <span class=\"wsf_9\">Nordea</span> inne<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>fa<span class=\"__10 _471\"/>ttar villkor som kopplar samman a<span class=\"__10 _d_9\"/>vtalsenliga kassafl\u00f6den med kundernas uppfyllelse a<span class=\"__10 _d_9\"/>v ESG-m\u00e5l (m\u00e5l avseende milj\u00f6, social<span class=\"__10 _d_9\"/>t<span class=\"__10 _c_9\"/> ansvar och bolagsstyrning). Vid \u00e5r<span class=\"__10 _471\"/>ets slut uppgick det redovisade <span class=\"__10 _469\">v\u00e4rdet p\u00e5 dessa h\u00e5llbarhetsl\u00e4nkade l\u00e5n till 6 775 mn euro </span>(<span class=\"ls8_9\"><span class=\"__10 _469\">2 098 mn euro</span><span class=\"__10 _d_9\"/>). <span class=\"wsf_9\">Nordea</span> anser att dessa l\u00e5n uppfyller SPPI-kra<span class=\"__10 _471\"/><span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></span>ven i fr<span class=\"__10 _471\"/>\u00e5ga om att m\u00e5len \u00e4r kundspeci\ufb01ka. <span class=\"wsf_9\">Nor<span class=\"__10 _d_9\"/>dea<span class=\"ws0_10\">s bed\u00f6mning<span class=\"__10 _c_9\"/> </span></span>\u00e4r f\u00f6ljak<span class=\"__10 _d_9\"/>tligen att f\u00f6r\u00e4ndringen i a<span class=\"__10 _d_9\"/>vtalsenliga kassafl\u00f6den beror p\u00e5 den f\u00f6r<span class=\"__10 _471\"/>\u00e4ndrade kreditrisk<span class=\"__10 _471\"/>en till f\u00f6ljd a<span class=\"__10 _d_9\"/>v att kunden uppfyllt, eller inte upp<span class=\"__10 _471\"/>fyllt, ett ESG-m\u00e5l.<span class=\"__10 _469\"> </span>Nordea klassi\ufb01cerar emitt<span class=\"__10 _d_9\"/>erade eviga efterst\u00e4llda instru-<span class=\"__10 _469\"> </span>ment som an<span class=\"__10 _d_9\"/>tingen \ufb01nansiella skulder eller eget kapital. Nordea g\u00f6r bed\u00f6mningar f<span class=\"__10 _471\"/>\u00f6r att f<span class=\"__10 _471\"/>astst\u00e4lla om ins<span class=\"__10 _d_9\"/>trumentet innefa<span class=\"__10 _471\"/>ttar ett kra<span class=\"__10 _d_9\"/>v p\u00e5 r\u00e4ntebetalning, ber<span class=\"__10 _471\"/>oende p\u00e5 om en fram-<span class=\"__10 _469\"> </span>tida os\u00e4ker h\u00e4ndelse bortom b\u00e5de emitten<span class=\"__10 _471\"/>tens och inneha<span class=\"__10 _471\"/>va-<span class=\"__10 _469\"> </span>rens kon<span class=\"__10 _d_9\"/><span class=\"__10 _469\">troll intr\u00e4ff</span><span class=\"__10 _d_9\"/>ar eller inte intr<span class=\"__10 _471\"/><span class=\"__10 _469\">\u00e4ffar<span class=\"__10 _469\"> </span></span><span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>Klassi\ufb01cering a<span class=\"__10 _d_9\"/>v \ufb01nansiella instrument<span class=\"__10 _469\"> </span>Tillg\u00e5ngar<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade<span class=\"__10 _469\"> </span> till verkligt v\u00e4rde via<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _471\"/>tr\u00e4kningen<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt<span class=\"__10 _469\"> </span> v\u00e4rde via<span class=\"__10 _469\"> </span> \u00f6vrigt<span class=\"__10 _469\"> </span> total-<span class=\"__10 _469\"> </span>resulta<span class=\"__10 _471\"/>t<span class=\"__10 _469\"> </span> Summ<span class=\"__10 _469\"> </span>a <span class=\"__10 _2b_4\"/> \ufb01nansiell<span class=\"__10 _469\"> </span>a  tillg\u00e5ngar<span class=\"__10 _500\"/>31 dec 2022, mn euro<span class=\"__10 _469\"> </span>Upplupet <span class=\"__10 _2b_4\"/> <span class=\"__10 _469\">anskaffnings-<span class=\"__10 _469\"> </span></span>v\u00e4rde <span class=\"__10 _501\"> </span>Obligatorisk<span class=\"__10 _471\"/>t<span class=\"__10 _469\"> </span>Fr\u00e5n b\u00f6rjan<span class=\"__10 _469\"> </span> v\u00e4rderade till<span class=\"__10 _469\"> </span> verkligt <span class=\"__10 _502\"> </span>v\u00e4rde  (verkligt v\u00e4rde-<span class=\"__10 _469\"> </span> optionen)<span class=\"__10 _469\"> </span>Kassa och tillgodoha<span class=\"__10 _471\"/>vanden hos cen<span class=\"__10 _471\"/>tralbanker<span class=\"__10 _469\"> </span>61 815<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _1f_6\"> </span>61 81<span class=\"__10 _469\"> </span>5<span class=\"__10 _469\"> </span>Utl\u00e5ning till centr<span class=\"__10 _471\"/>albanker <span class=\"__10 _506\"> </span>6<span class=\"__10 _507\"> </span>879<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _508\"> </span>885<span class=\"__10 _469\"> </span>Utl\u00e5ning till kreditinstitut<span class=\"__10 _509\"> </span>2 831<span class=\"__10 _505\"> </span><span class=\"lsd_8 ws13_9\">1<span class=\"__10 _1d_6\"/> 74<span class=\"__10 _1d_6\"/>2<span class=\"__10 _3a_5\"> </span></span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _483\"> </span><span class=\"ls4_9 ws7_9\">4 573<span class=\"__10 _469\"> </span></span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__10 _3b_4\"> </span>275 116<span class=\"__10 _508\"> </span>70 627<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _3c_4\"> </span>345 7<span class=\"__10 _d_9\"/>43<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/>ande v\u00e4rdepapper<span class=\"__10 _3d_4\"> </span>3 660<span class=\"__10 _3e_4\"> </span>21 417<span class=\"__10 _3f_4\"> </span>8 073<span class=\"__10 _510\"> </span>30 37<span class=\"__10 _d_9\"/>4<span class=\"__10 _2a_4\"> </span>63 5<span class=\"__10 _c_9\"/>24<span class=\"__10 _469\"> </span>Pan<span class=\"__10 _471\"/>tsatta \ufb01nansiella instrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _511\"> </span>\u2013<span class=\"__10 _512\"> </span>2 661<span class=\"__10 _513\"> </span>120<span class=\"__10 _514\"> </span>2 121<span class=\"__10 _515\"> </span>4 902<span class=\"__10 _469\"> </span>Aktier och andelar<span class=\"__10 _516\"> </span>\u2013<span class=\"__10 _498\"> </span>17 924<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _1f_6\"> </span>17 92<span class=\"__10 _471\"/>4<span class=\"__10 _469\"> </span>Tillg\u00e5ngar i placeringsportf\u00f6ljer och f<span class=\"__10 _471\"/>ondf\u00f6rs\u00e4kringsa<span class=\"__10 _471\"/>vtal<span class=\"__10 _517\"> </span>\u2013<span class=\"__10 _518\"> </span>40 289<span class=\"__10 _519\"> </span>666<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _4a_2\"> </span>40 955<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _4b_2\"> </span>\u2013<span class=\"__10 _496\"> </span>36 578<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _2a_4\"> </span>36 578<span class=\"__10 _469\"> </span>F\u00f6r\u00e4ndring a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde f\u00f6r r<span class=\"__10 _d_9\"/>\u00e4ntes\u00e4krade poster i s\u00e4kringsportf<span class=\"__10 _471\"/>\u00f6ljer<span class=\"__10 _4c_2\"> </span>-2 116<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _514\"> </span>-<span class=\"__10 _d_9\"/>2 116<span class=\"__10 _469\"> </span><span class=\"__10 _469\">\u00d6vriga tillg\u00e5ngar1</span><span class=\"__10 _4d_2\"> </span>2 261<span class=\"__10 _4e_2\"> </span>6 360<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _483\"> </span>8 621<span class=\"__10 _469\"> </span>F\u00f6rutbetalda k<span class=\"__10 _471\"/>ostnader och upplupna int<span class=\"__10 _471\"/>\u00e4kter<span class=\"__10 _469\"> </span>475<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _498\"> </span>47<span class=\"__10 _469\"> </span>5<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _4f_2\"> </span>344 048<span class=\"__10 _520\"> </span>198 477<span class=\"__10 _521\"> </span>8 859<span class=\"__10 _3c_4\"> </span>32 495<span class=\"__10 _522\"> </span>583 879<span class=\"__10 _469\"> </span>1) V<span class=\"__10 _d_9\"/>arav st\u00e4llda marginals\u00e4kerheter klassi\ufb01c<span class=\"__10 _471\"/>erade i kategorin Finansiella tillg\u00e5ngar v<span class=\"__10 _471\"/>\u00e4rderade till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de via resultatr\u00e4kningen obligatorisk<span class=\"__10 _471\"/>t 6 046 mn euro<span class=\"__10 _469\"> </span>.<span class=\"__10 _469\"> </span>Skulder<span class=\"__10 _469\"> </span>Finansiella skulder v\u00e4rderade till<span class=\"__10 _469\"> </span> verkligt v\u00e4rde via<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _471\"/>tr\u00e4kningen<span class=\"__10 _469\"> </span>Summ<span class=\"__10 _469\"> </span>a<span class=\"__10 _469\"> </span> \ufb01nansiell<span class=\"__10 _469\"> </span>a<span class=\"__10 _469\"> </span> skulder<span class=\"__10 _500\"/>31 dec 2022, mn euro<span class=\"__10 _469\"> </span>Upplupet<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">anskaffnings-<span class=\"__10 _469\"> </span></span>v\u00e4rde <span class=\"__10 _523\"> </span>Obligatoriska<span class=\"__10 _469\"> </span>Fr\u00e5n b\u00f6rjan <span class=\"__10 _2b_4\"/> v\u00e4rderade till<span class=\"__10 _469\"> </span> verkligt <span class=\"__10 _502\"> </span>v\u00e4rde  (verkligt v\u00e4rde-<span class=\"__10 _469\"> </span> optionen)<span class=\"__10 _469\"> </span>Skulder till kreditinstitut<span class=\"__10 _524\"> </span>22 423<span class=\"__10 _496\"> </span>10 446<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _4a_2\"> </span>32 869<span class=\"__10 _469\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__10 _525\"> </span>210 814<span class=\"__10 _4e_2\"> </span>6 650<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _3c_4\"> </span>217 464<span class=\"__10 _469\"> </span>Inl\u00e5ning i placeringsportf\u00f6ljer och f<span class=\"__10 _471\"/>ondf\u00f6rs\u00e4kringsa<span class=\"__10 _471\"/>vtal<span class=\"__10 _526\"> </span>\u2013<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _4e_2\"> </span><span class=\"ls4_9 ws7_9\">42<span class=\"__10 _c_9\"/> 776<span class=\"__10 _491\"> </span>4<span class=\"__10 _c_9\"/>2 7<span class=\"__10 _c_9\"/>76<span class=\"__10 _469\"> </span></span>Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper <span class=\"__10 _527\"> </span>128 488<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _505\"> </span>5<span class=\"__10 _d_9\"/>1 315<span class=\"__10 _3c_4\"> </span>179 803<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t <span class=\"__10 _528\"> </span>\u2013<span class=\"__10 _496\"> </span>40 102<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _491\"> </span>40 102<span class=\"__10 _469\"> </span>F\u00f6r\u00e4ndring a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde f\u00f6r r<span class=\"__10 _d_9\"/>\u00e4ntes\u00e4krade poster i s\u00e4kringsportf<span class=\"__10 _471\"/>\u00f6ljer<span class=\"__10 _529\"> </span>-2 175<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _5a_2\"> </span>-2 175<span class=\"__10 _469\"> </span><span class=\"__10 _469\">\u00d6vriga skulder1</span><span class=\"__10 _5b_2\"> </span>5 225<span class=\"__10 _498\"> </span>10 202<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _5c_2\"> </span>15 427<span class=\"__10 _469\"> </span>Upplupna kostnader och f<span class=\"__10 _d_9\"/>\u00f6rutbetalda int\u00e4kter<span class=\"__10 _5d_2\"> </span>7<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _5e_2\"> </span>7<span class=\"__10 _469\"> </span>Efterst\u00e4llda sk<span class=\"__10 _471\"/>ulder<span class=\"__10 _5f_2\"> </span>5 401<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _483\"> </span>5 401<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _530\"> </span>370 183<span class=\"__10 _518\"> </span>67 400<span class=\"__10 _3e_4\"> </span>94 091<span class=\"__10 _531\"> </span>531 67<span class=\"__10 _d_9\"/>4<span class=\"__10 _469\"> </span>1)  V<span class=\"__10 _471\"/>arav leasingsk<span class=\"__10 _471\"/>ulder klassi\ufb01cerade i kat<span class=\"__10 _471\"/><span class=\"__10 _469\">egorin Upplupet anskaffningsv\u00e4r</span><span class=\"__10 _471\"/>de 1 080 mn euro<span class=\"__10 _469\"> </span>.<span class=\"__10 _469\"> </span>Klassi\ufb01cering a<span class=\"__10 _d_9\"/>v \ufb01nansiella instrument<span class=\"__10 _469\"> </span>Tillg\u00e5ngar<span class=\"__10 _469\"> </span>31 dec 2021, mn euro<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade <span class=\"__10 _2b_4\"/> till verkligt v\u00e4rde via<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _471\"/>tr\u00e4kningen<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt<span class=\"__10 _469\"> </span> v\u00e4rde via<span class=\"__10 _469\"> </span> \u00f6vrigt<span class=\"__10 _469\"> </span> total-<span class=\"__10 _469\"> </span>resulta<span class=\"__10 _471\"/>t<span class=\"__10 _469\"> </span> Upplupet <span class=\"__10 _2b_4\"/> <span class=\"__10 _469\">anskaffnings-<span class=\"__10 _469\"> </span></span>v\u00e4rde <span class=\"__10 _523\"> </span>Obligatoriska<span class=\"__10 _469\"> </span>Fr\u00e5n b\u00f6rjan<span class=\"__10 _469\"> </span> v\u00e4rderade till<span class=\"__10 _469\"> </span> verkligt <span class=\"__10 _502\"> </span>v\u00e4rde  (verkligt<span class=\"__10 _469\"> </span> v\u00e4rde-<span class=\"__10 _469\"> </span> optionen)<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _469\"> </span> \ufb01nansiella<span class=\"__10 _469\"> </span> tillg\u00e5ngar<span class=\"__10 _469\"> </span>Kassa och tillgodoha<span class=\"__10 _471\"/>vanden hos cen<span class=\"__10 _471\"/>tralbanker<span class=\"__10 _469\"> </span>47 495<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _2a_4\"> </span>47 495<span class=\"__10 _469\"> </span>Utl\u00e5ning till centr<span class=\"__10 _471\"/>albanker <span class=\"__10 _532\"> </span>5<span class=\"__10 _5e_2\"> </span>404<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _496\"> </span>409<span class=\"__10 _469\"> </span>Utl\u00e5ning till kreditinstitut<span class=\"__10 _533\"> </span>1 791<span class=\"__10 _534\"> </span>192<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _483\"> </span>1 983<span class=\"__10 _469\"> </span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__10 _535\"> </span>269 87<span class=\"__10 _d_9\"/>4<span class=\"__10 _494\"> </span><span class=\"ls4_9 ws7_9\">7<span class=\"__10 _c_9\"/>5 176<span class=\"__10 _504\"> </span></span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _522\"> </span>345 050<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/>ande v\u00e4rdepapper<span class=\"__10 _3d_4\"> </span>3 448<span class=\"__10 _496\"> </span>21 880<span class=\"__10 _521\"> </span>4 083<span class=\"__10 _510\"> </span>33 972<span class=\"__10 _2a_4\"> </span>63 383<span class=\"__10 _469\"> </span>Pan<span class=\"__10 _471\"/>tsatta \ufb01nansiella instrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _511\"> </span>\u2013<span class=\"__10 _536\"> </span>1 668<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _483\"> </span>1 668<span class=\"__10 _469\"> </span>Aktier och andelar<span class=\"__10 _516\"> </span>\u2013<span class=\"__10 _537\"> </span>15 217<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _538\"> </span>15 217<span class=\"__10 _469\"> </span>Tillg\u00e5ngar i placeringsportf\u00f6ljer och f<span class=\"__10 _471\"/>ondf\u00f6rs\u00e4kringsa<span class=\"__10 _471\"/>vtal<span class=\"__10 _517\"> </span>\u2013<span class=\"__10 _518\"> </span>46 030<span class=\"__10 _519\"> </span>280<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _491\"> </span>46 310<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _4b_2\"> </span>\u2013<span class=\"__10 _518\"> </span>30 200<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _4a_2\"> </span>30 200<span class=\"__10 _469\"> </span>F\u00f6r\u00e4ndring a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde f\u00f6r r<span class=\"__10 _d_9\"/>\u00e4ntes\u00e4krade poster i s\u00e4kringsportf<span class=\"__10 _471\"/>\u00f6ljer<span class=\"__10 _539\"> </span>-65<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>-65<span class=\"__10 _469\"> </span><span class=\"__10 _469\">\u00d6vriga tillg\u00e5ngar1</span><span class=\"__10 _527\"> </span>829<span class=\"__10 _512\"> </span>7 265<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _5a_2\"> </span>8 094<span class=\"__10 _469\"> </span>F\u00f6rutbetalda k<span class=\"__10 _471\"/>ostnader och upplupna int<span class=\"__10 _471\"/>\u00e4kter<span class=\"__10 _469\"> </span>609<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _496\"> </span>609<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _6a_2\"> </span>323 986<span class=\"__10 _520\"> </span>198 032<span class=\"__10 _521\"> </span>4 363<span class=\"__10 _6b_2\"> </span>33 972<span class=\"__10 _6c_2\"> </span>560 353<span class=\"__10 _469\"> </span>1) V<span class=\"__10 _d_9\"/>arav st\u00e4llda marginals\u00e4kerheter klassi\ufb01c<span class=\"__10 _471\"/>erade i kategorin Finansiella tillg\u00e5ngar v<span class=\"__10 _471\"/>\u00e4rderade till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de via resultatr\u00e4kningen obligatorisk<span class=\"__10 _471\"/>t 6 578 mn euro.<span class=\"__10 _469\"> </span><span class=\"__10 _469\">Skulder1<span class=\"__10 _469\"> </span></span>31 dec 2021, mn euro<span class=\"__10 _469\"> </span>Finansiella skulder v\u00e4rderade  till verkligt v\u00e4rde via<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _471\"/>tr\u00e4kningen<span class=\"__10 _469\"> </span>Upplupet<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">anskaffnings-<span class=\"__10 _469\"> </span></span>v\u00e4rde <span class=\"__10 _523\"> </span>Obligatoriska<span class=\"__10 _469\"> </span>Fr\u00e5n b\u00f6rjan <span class=\"__10 _2b_4\"/> v\u00e4rderade till <span class=\"__10 _2b_4\"/> verkligt v\u00e4rde<span class=\"__10 _469\"> </span> (verkligt v\u00e4rde<span class=\"__10 _469\"> </span> -optionen)<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _469\"> </span> \ufb01nansiella<span class=\"__10 _469\"> </span> tillg\u00e5ngar<span class=\"__10 _469\"> </span>Skulder till kreditinstitut<span class=\"__10 _6d_2\"> </span>23 646<span class=\"__10 _505\"> </span>3 315<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _491\"> </span>26,961<span class=\"__10 _469\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__10 _6e_2\"> </span>203 162<span class=\"__10 _536\"> </span>2 639<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>205,801<span class=\"__10 _469\"> </span>Inl\u00e5ning i placeringsportf\u00f6ljer och f<span class=\"__10 _471\"/>ondf\u00f6rs\u00e4kringsa<span class=\"__10 _471\"/>vtal<span class=\"__10 _526\"> </span>\u2013<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>48 201<span class=\"__10 _2a_4\"> </span><span class=\"lse_8 ws14_9\">48,201<span class=\"__10 _469\"> </span></span>Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper <span class=\"__10 _540\"> </span>118 358<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _537\"> </span>58 007<span class=\"__10 _531\"> </span>176 365<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t <span class=\"__10 _528\"> </span>\u2013<span class=\"__10 _508\"> </span>31 485<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _491\"> </span>31 485<span class=\"__10 _469\"> </span>F\u00f6r\u00e4ndring a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde f\u00f6r r<span class=\"__10 _d_9\"/>\u00e4ntes\u00e4krade poster i s\u00e4kringsportf<span class=\"__10 _471\"/>\u00f6ljer<span class=\"__10 _f_9\"> </span>101<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>101<span class=\"__10 _469\"> </span><span class=\"__10 _469\">\u00d6vriga skulder2</span><span class=\"__10 _541\"> </span>4 307<span class=\"__10 _494\"> </span>11 87<span class=\"__10 _c_9\"/>3<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _5c_2\"> </span>16 180<span class=\"__10 _469\"> </span>Upplupna kostnader och f<span class=\"__10 _d_9\"/>\u00f6rutbetalda int\u00e4kter<span class=\"__10 _542\"> </span>8<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _485\"> </span>8<span class=\"__10 _469\"> </span>Efterst\u00e4llda sk<span class=\"__10 _471\"/>ulder<span class=\"__10 _543\"> </span>6 850<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _514\"> </span>6 850<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _544\"> </span>356 432<span class=\"__10 _508\"> </span>49 312<span class=\"__10 _545\"> </span>106 208<span class=\"__10 _6b_2\"> </span>511 952<span class=\"__10 _469\"> </span>1)  Skulder till f\u00f6rs\u00e4kringstagare har under 2022 klassi\ufb01c<span class=\"__10 _471\"/>erats som f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s\u00e4kringsavtal och ing\u00e5r in<span class=\"__10 _471\"/>te i upplysningarna ov<span class=\"__10 _471\"/>an. J\u00e4mf\u00f6r<span class=\"__10 _471\"/><span class=\"__10 _469\">elsesiffrorna har r\u00e4kna</span><span class=\"__10 _d_9\"/>ts om.<span class=\"__10 _469\"> </span>2)  V<span class=\"__10 _471\"/>arav leasingsk<span class=\"__10 _471\"/>ulder klassi\ufb01cerade i kat<span class=\"__10 _471\"/><span class=\"__10 _469\">egorin Upplupet anskaffningsv\u00e4r</span><span class=\"__10 _471\"/>de 1 147 mn euro<span class=\"__10 _469\"> </span>.<span class=\"__10 _469\"> </span><span class=\"__10 _469\">Upplupet anskaff</span><span class=\"__10 _471\"/>ningsv\u00e4rde<span class=\"__10 _469\"> </span>Den h\u00e4r kategorin om<span class=\"__10 _d_9\"/>fattar huvudsakligen all utl\u00e5ning (inklu-<span class=\"__10 _469\"> </span>sive l\u00e5nef<span class=\"__10 _471\"/>ordringar med inb\u00e4ddade r\u00e4n<span class=\"__10 _d_9\"/>tekorridorer och r\u00e4n<span class=\"__10 _471\"/>te-<span class=\"__10 _469\"> </span>tak) och inl\u00e5ning, med undantag f<span class=\"__10 _d_9\"/>\u00f6r omv\u00e4nda repor<span class=\"__10 _d_9\"/>/repor och avtal om v<span class=\"__10 _d_9\"/>\u00e4rdepappersl\u00e5n inom Markets och hypoteksl\u00e5n i Nordea Kredit R<span class=\"__10 _471\"/>ealkreditak<span class=\"__10 _471\"/>tieselskab. K<span class=\"__10 _d_9\"/>ategorin omfa<span class=\"__10 _d_9\"/>ttar ocks\u00e5 r\u00e4n<span class=\"__10 _471\"/>teb\u00e4rande v<span class=\"__10 _471\"/>\u00e4rdepapper som huvudsakligen h\u00e4rr\u00f6r fr\u00e5n en portf<span class=\"__10 _471\"/>\u00f6lj av r<span class=\"__10 _d_9\"/>\u00e4nteb\u00e4rande v\u00e4r<span class=\"__10 _471\"/>depapper inom Life &amp; Pension i Norge, r<span class=\"__10 _d_9\"/>\u00e4nteb\u00e4rande v\u00e4r<span class=\"__10 _471\"/>depapper i del av likvidi-<span class=\"__10 _469\"> </span>tetsreserven, efters<span class=\"__10 _471\"/>t\u00e4llda skulder och emitter<span class=\"__10 _d_9\"/>ade v\u00e4rdepap-<span class=\"__10 _469\"> </span>per<span class=\"__10 _d_9\"/>, med undantag f<span class=\"__10 _471\"/>\u00f6r obligationer emitter<span class=\"__10 _471\"/>ade av Nor<span class=\"__10 _d_9\"/>dea Kredit Realkr<span class=\"__10 _471\"/>editakties<span class=\"__10 _471\"/>elskab och struk<span class=\"__10 _d_9\"/>turerade obligationer emitterade a<span class=\"__10 _d_9\"/>v Markets.<span class=\"__10 _469\"> </span>Obligatorisk<span class=\"__10 _d_9\"/>t v\u00e4rderade till verkligt v\u00e4rde via r<span class=\"__10 _471\"/>esulta<span class=\"__10 _d_9\"/>tr\u00e4kningen<span class=\"__10 _469\"> </span>Underkategorin \u201dObliga<span class=\"__10 _471\"/>toriskt v<span class=\"__10 _d_9\"/>\u00e4rderade till verkligt v\u00e4rde via resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen\u201d inneh\u00e5ller huvudsakligen alla tillg\u00e5ngar och tradingrela<span class=\"__10 _471\"/>terade sk<span class=\"__10 _471\"/>ulder inom Markets, r\u00e4n<span class=\"__10 _d_9\"/>teb\u00e4rande v\u00e4rdepapper i likviditetsr<span class=\"__10 _d_9\"/>eser<span class=\"__10 _c_9\"/>ven, deriva<span class=\"__10 _471\"/>t, aktier<span class=\"__10 _d_9\"/>, hypoteksl\u00e5n i Nordea Kredit R<span class=\"__10 _471\"/>ealkreditak<span class=\"__10 _471\"/>tieselskab sam<span class=\"__10 _471\"/>t \ufb01nansiella till-<span class=\"__10 _469\"> </span>g\u00e5ngar under \u201dTillg\u00e5ngar i placeringsportf\u00f6ljer och f<span class=\"__10 _d_9\"/>ondf\u00f6r-<span class=\"__10 _469\"> </span>s\u00e4kringsavtal\u201d<span class=\"__10 _479\"/>. Inl\u00e5ning i placeringsportf\u00f6ljer och f<span class=\"__10 _d_9\"/>ondf\u00f6rs\u00e4k-<span class=\"__10 _469\"> </span>ringsavtal \u00e4r a<span class=\"__10 _d_9\"/>vtal med kunder och f\u00f6rs\u00e4krings<span class=\"__10 _471\"/>tagare d\u00e4r ris-<span class=\"__10 _469\"> </span>ken huvudsakligen eller helt tas a<span class=\"__10 _d_9\"/>v f\u00f6rs\u00e4kringstagarna. Inl\u00e5ningsmedlen inves<span class=\"__10 _d_9\"/>teras i olika typer av \ufb01nansiella till-<span class=\"__10 _469\"> </span>g\u00e5ngar till f\u00f6rm\u00e5n f<span class=\"__10 _d_9\"/>\u00f6r kunderna och f\u00f6rs\u00e4kringstagarna.<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar som fr\u00e5n b\u00f6rjan v<span class=\"__10 _d_9\"/>\u00e4rderats<span class=\"__10 _469\"> </span> till verkligt v\u00e4r<span class=\"__10 _471\"/>de via resul<span class=\"__10 _471\"/>tatr<span class=\"__10 _471\"/>\u00e4kningen<span class=\"__10 _469\"> </span> (verkligt v\u00e4r<span class=\"__10 _471\"/>de-optionen)<span class=\"__10 _469\"> </span>Alla r\u00e4n<span class=\"__10 _471\"/>teb\u00e4rande v<span class=\"__10 _471\"/>\u00e4rdepapper (inklusive pan<span class=\"__10 _d_9\"/>tsatta \ufb01nan-<span class=\"__10 _469\"> </span>siella instrument) i f<span class=\"__10 _d_9\"/>\u00f6rs\u00e4kringsavtal inom Lif<span class=\"__10 _471\"/>e &amp; Pension, med<span class=\"__10 _469\"> </span> undantag f<span class=\"__10 _d_9\"/>\u00f6r en por<span class=\"__10 _c_9\"/>tf\u00f6lj a<span class=\"__10 _d_9\"/>v r\u00e4nteb\u00e4r<span class=\"__10 _471\"/>ande v\u00e4rdepapper i<span class=\"__10 _469\"> </span> Norge \u2013 till ett v\u00e4r<span class=\"__10 _471\"/>de av 8 193 mn eur<span class=\"__10 _471\"/>o (<span class=\"__10 _d_9\"/>4 083 mn euro) \u2013 v\u00e4r-<span class=\"__10 _469\"> </span>deras redan f<span class=\"__10 _471\"/>r\u00e5n b\u00f6rjan till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde via resultatr\u00e4kning-<span class=\"__10 _469\"> </span>en f\u00f6r a<span class=\"__10 _471\"/>tt eliminera eller a<span class=\"__10 _d_9\"/>vsev\u00e4rt minska den bristande \u00f6ver-<span class=\"__10 _469\"> </span>ensst\u00e4mmelsen i redo<span class=\"__10 _d_9\"/>visningen med de skulder till f\u00f6rs\u00e4k-<span class=\"__10 _469\"> </span>ringstagare som v<span class=\"__10 _d_9\"/>\u00e4rderas till verkligt v\u00e4rde.  <span class=\"__10 _479\"/>Tillg\u00e5ngar i<span class=\"__10 _469\"> </span> placeringsportf\u00f6ljer och f<span class=\"__10 _d_9\"/>ondf\u00f6rs\u00e4kringsavtal inom Lif<span class=\"__10 _d_9\"/>e &amp;<span class=\"__10 _469\"> </span> Pension som in<span class=\"__10 _d_9\"/>te obligatoriskt v<span class=\"__10 _471\"/>\u00e4rderas till v<span class=\"__10 _471\"/>erkligt v\u00e4rde via<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen \u2013 till ett v\u00e4rde av 666 mn eur<span class=\"__10 _d_9\"/>o (280 mn<span class=\"__10 _469\"> </span> euro) \u2013 v<span class=\"__10 _471\"/>\u00e4rderas r<span class=\"__10 _471\"/>edan fr\u00e5n b\u00f6rjan till v<span class=\"__10 _471\"/>erkligt v\u00e4rde via r<span class=\"__10 _471\"/>esul-<span class=\"__10 _469\"> </span>tatr\u00e4kningen f<span class=\"__10 _d_9\"/>\u00f6r att undvika bristande \u00f6v<span class=\"__10 _471\"/>erensst\u00e4mmels<span class=\"__10 _471\"/>e i<span class=\"__10 _469\"> </span> redovisningen med mo<span class=\"__10 _471\"/>tsvarande inl\u00e5ning. Nor<span class=\"__10 _471\"/>dea upplyser<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">inte om eff</span><span class=\"__10 _d_9\"/>ekten a<span class=\"__10 _d_9\"/>v f\u00f6r\u00e4ndring i kreditrisk p\u00e5 dessa tillg\u00e5ng-<span class=\"__10 _469\"> </span>ars verkliga v\u00e4rden och f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndring i verkligt v\u00e4rde a<span class=\"__10 _d_9\"/>v relate-<span class=\"__10 _469\"> </span>rade kreditderiv<span class=\"__10 _d_9\"/>at<span class=\"__10 _c_9\"/>, eftersom s\u00e5dana v\u00e4rde<span class=\"__10 _471\"/>f\u00f6r<span class=\"__10 _471\"/>\u00e4ndringar ome-<span class=\"__10 _469\"> </span>delbart kommer att result<span class=\"__10 _471\"/>era i v\u00e4s<span class=\"__10 _471\"/>entligen samma f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndring<span class=\"__10 _469\"> </span> i redovisa<span class=\"__10 _471\"/>t v\u00e4rde p\u00e5 mo<span class=\"__10 _471\"/>tsvarande sk<span class=\"__10 _d_9\"/>ulder till f\u00f6rs\u00e4kringsta-<span class=\"__10 _469\"> </span>gare. F<span class=\"__10 _471\"/>\u00f6r\u00e4ndring i egen kreditrisk p\u00e5 dessa tillg\u00e5ngar i Lif<span class=\"__10 _d_9\"/>e &amp;<span class=\"__10 _469\"> </span> Pension kommer d\u00e4rf<span class=\"__10 _d_9\"/>\u00f6r inte att f\u00e5 n\u00e5gon v<span class=\"__10 _d_9\"/>\u00e4sentlig p\u00e5v<span class=\"__10 _471\"/>erkan<span class=\"__10 _469\"> </span> p\u00e5 resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen eller eget kapital.<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar som fr\u00e5n b\u00f6rjan v<span class=\"__10 _d_9\"/>\u00e4rderats  till verkligt v\u00e4r<span class=\"__10 _471\"/>de via result<span class=\"__10 _471\"/>atr\u00e4kningen<span class=\"__10 _469\"> </span>Mn euro <span class=\"__10 _556\"> </span>2022<span class=\"__10 _518\"> </span>2021<span class=\"__10 _469\"> </span>Redovisat v<span class=\"__10 _d_9\"/>\u00e4rde vid \u00e5rets slut<span class=\"__10 _557\"> </span>8 859<span class=\"__10 _487\"> </span>4 363<span class=\"__10 _469\"> </span>Maximal exponering f<span class=\"__10 _d_9\"/>\u00f6r kreditrisk vid \u00e5rets slut<span class=\"__10 _515\"> </span>8 859<span class=\"__10 _487\"> </span>4 363<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar v\u00e4rder<span class=\"__10 _471\"/>ade till<span class=\"__10 _469\"> </span> verkligt v\u00e4r<span class=\"__10 _471\"/>de via \u00f6vrigt to<span class=\"__10 _471\"/>talresul<span class=\"__10 _471\"/>tat<span class=\"__10 _469\"> </span> Finansiella tillg\u00e5ngar v\u00e4rder<span class=\"__10 _471\"/>ade till verkligt v\u00e4r<span class=\"__10 _471\"/>de via \u00f6vrigt<span class=\"__10 _469\"> </span> totalr<span class=\"__10 _471\"/>esultat ut<span class=\"__10 _471\"/>g\u00f6rs huvudsakligen av r<span class=\"__10 _471\"/>\u00e4nteb\u00e4r<span class=\"__10 _d_9\"/>ande v\u00e4rde-<span class=\"__10 _469\"> </span>papper i likviditetsreserven.<span class=\"__10 _469\"> </span>Finansiella skulder redan fr<span class=\"__10 _d_9\"/>\u00e5n b\u00f6rjan v\u00e4rderade till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de (verkligt v\u00e4rde-optionen)<span class=\"__10 _469\"> </span>2022<span class=\"__10 _546\"> </span>2021<span class=\"__10 _469\"> </span>Mn euro<span class=\"__10 _469\"> </span>Skulder d\u00e4r<span class=\"__10 _469\"> </span> f\u00f6r\u00e4ndring i<span class=\"__10 _469\"> </span> kreditrisk<span class=\"__10 _469\"> </span> presenter<span class=\"__10 _d_9\"/>as i<span class=\"__10 _469\"> </span> \u00d6vrigt<span class=\"__10 _469\"> </span> totalresul<span class=\"__10 _471\"/>tat<span class=\"__10 _469\"> </span> (OCI)<span class=\"__10 _469\"> </span>Skulder d\u00e4r<span class=\"__10 _469\"> </span> f\u00f6r\u00e4ndring i<span class=\"__10 _469\"> </span> kreditrisk<span class=\"__10 _469\"> </span> presenter<span class=\"__10 _d_9\"/>as i<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _471\"/>tr\u00e4kningen<span class=\"__10 _547\"> </span>Summa<span class=\"__10 _469\"> </span>Skulder d\u00e4r<span class=\"__10 _469\"> </span> f\u00f6r\u00e4ndring i<span class=\"__10 _469\"> </span> kreditrisk<span class=\"__10 _469\"> </span> presenter<span class=\"__10 _d_9\"/>as i<span class=\"__10 _469\"> </span> \u00d6vrigt<span class=\"__10 _469\"> </span> totalresul<span class=\"__10 _471\"/>tat<span class=\"__10 _469\"> </span> (OCI)<span class=\"__10 _469\"> </span>Skulder d\u00e4r<span class=\"__10 _469\"> </span> f\u00f6r\u00e4ndring i<span class=\"__10 _469\"> </span> kreditrisk<span class=\"__10 _469\"> </span> presenter<span class=\"__10 _d_9\"/>as i<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _471\"/>tr\u00e4kningen<span class=\"__10 _548\"> </span>Summa<span class=\"__10 _469\"> </span>Redovisat v<span class=\"__10 _d_9\"/>\u00e4rde<span class=\"__10 _549\"> </span>1 371<span class=\"__10 _7a_2\"> </span>92 720<span class=\"__10 _545\"> </span>94 091<span class=\"__10 _7b_2\"> </span>1 568<span class=\"__10 _7b_2\"> </span>104 6<span class=\"__10 _c_9\"/>40<span class=\"__10 _515\"> </span>106 208<span class=\"__10 _469\"> </span>Belopp att betala vid f<span class=\"__10 _471\"/><span class=\"__10 _469\">\u00f6rfall1</span><span class=\"__10 _7c_2\"> </span>1 634<span class=\"__10 _7d_3\"> </span>101 694<span class=\"__10 _483\"> </span>103 328<span class=\"__10 _485\"> </span>1 568<span class=\"__10 _5e_2\"> </span>108 062<span class=\"__10 _487\"> </span>109 630<span class=\"__10 _469\"> </span>F\u00f6r\u00e4ndring i v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde till f\u00f6ljd av f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndring i<span class=\"__10 _469\"> </span> kreditrisk, under \u00e5ret<span class=\"__10 _7e_2\"> </span>7<span class=\"__10 _7f_3\"> </span><span class=\"lse_8 ws14_9\">-43<span class=\"__10 _5e_2\"> </span></span>-36<span class=\"__10 _550\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _551\"> </span></span>-119<span class=\"__10 _552\"> </span>-121<span class=\"__10 _469\"> </span>F\u00f6r\u00e4ndring i v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde till f\u00f6ljd av f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndring i<span class=\"__10 _469\"> </span> kreditrisk, ackumulerat<span class=\"__10 _553\"> </span>-9<span class=\"__10 _554\"> </span>-583<span class=\"__10 _555\"> </span>-592<span class=\"__10 _7a_2\"> </span><span class=\"ls4_9 ws7_9\">-16<span class=\"__10 _550\"> </span></span>-540<span class=\"__10 _521\"> </span>-556<span class=\"__10 _469\"> </span>1)   <span class=\"__10 _2b_4\"/>Skulder till f\u00f6rs\u00e4kringstagare har ingen f<span class=\"__10 _d_9\"/>ast l\u00f6ptid och inget fastsatt belopp att betala vid f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>fall. Belopp att betala vid f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>fall har f<span class=\"__10 _471\"/>\u00f6r dessa skulder bed\u00f6mts uppg\u00e5 till det redo<span class=\"__10 _d_9\"/>vi-<span class=\"__10 _469\"> </span>sade v\u00e4rdet.<span class=\"__10 _469\"> </span>Finansiella skulder som fr<span class=\"__10 _d_9\"/>\u00e5n b\u00f6rjan v\u00e4rderats<span class=\"__10 _469\"> </span> till verkligt v\u00e4r<span class=\"__10 _471\"/>de via resul<span class=\"__10 _471\"/>tatr<span class=\"__10 _471\"/>\u00e4kningen<span class=\"__10 _469\"> </span> (verkligt v\u00e4r<span class=\"__10 _471\"/>de-optionen)<span class=\"__10 _469\"> </span>Nordea har klassi\ufb01cera<span class=\"__10 _d_9\"/>t alla emitterade hypoteksobliga<span class=\"__10 _d_9\"/>tioner<span class=\"__10 _469\"> </span> i det danska dotterf<span class=\"__10 _471\"/>\u00f6retaget Nordea Kr<span class=\"__10 _471\"/>edit Realkreditak<span class=\"__10 _d_9\"/>tie-<span class=\"__10 _469\"> </span>selskab, motsv<span class=\"__10 _d_9\"/>arande 49 944 mn euro (56 439 mn euro), som<span class=\"__10 _469\"> </span> \ufb01nansiella skulder som fr<span class=\"__10 _d_9\"/>\u00e5n b\u00f6rjan v\u00e4rderats till verkligt<span class=\"__10 _469\"> </span> v\u00e4rde via r<span class=\"__10 _471\"/>esultatr<span class=\"__10 _d_9\"/>\u00e4kningen, f\u00f6r att eliminera eller a<span class=\"__10 _d_9\"/>vsev\u00e4rt<span class=\"__10 _469\"> </span> minska bristande \u00f6v<span class=\"__10 _d_9\"/>erensst\u00e4mmelse i redovisningen. N\u00e4r<span class=\"__10 _469\"> </span> Nordea beviljar bol\u00e5n till kunder i enlighet med dansk lag-<span class=\"__10 _469\"> </span>stiftning om bostads\ufb01nansiering emitt<span class=\"__10 _471\"/>erar Nordea sam<span class=\"__10 _d_9\"/>tidigt<span class=\"__10 _469\"> </span> obligationer med matchande villk<span class=\"__10 _d_9\"/>or, s\u00e5 kallad ma<span class=\"__10 _d_9\"/>tchad \ufb01nan-<span class=\"__10 _469\"> </span>siering. Kunderna kan \u00e5t<span class=\"__10 _471\"/>erbetala sina l\u00e5n genom att an<span class=\"__10 _471\"/>tingen<span class=\"__10 _469\"> </span> \u00e5terbetala sk<span class=\"__10 _471\"/>uldbeloppet eller k\u00f6pa de emitter<span class=\"__10 _471\"/>ade obligatio-<span class=\"__10 _469\"> </span>nerna och \u00e5terl\u00e4mna dessa till Nor<span class=\"__10 _471\"/>dea som reglering a<span class=\"__10 _d_9\"/>v for-<span class=\"__10 _469\"> </span>dran. Obligationerna \u00e4r en vik<span class=\"__10 _d_9\"/>tig komponent p\u00e5 den danska<span class=\"__10 _469\"> </span> penningmarknaden och Nordea k\u00f6per och s\u00e4ljer f<span class=\"__10 _d_9\"/>\u00f6ljaktligen<span class=\"__10 _469\"> </span> egna obligationer p\u00e5 marknaden. L\u00e5nen v<span class=\"__10 _471\"/>\u00e4rderas till v<span class=\"__10 _471\"/>erkligt<span class=\"__10 _469\"> </span> v\u00e4rde via r<span class=\"__10 _471\"/>esultatr<span class=\"__10 _d_9\"/>\u00e4kningen eftersom de inte uppfyller SPPI-<span class=\"__10 _469\"> </span>kriteriet, och om obligationerna v\u00e4rder<span class=\"__10 _471\"/>ades till upplupet<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">anskaffningsv</span><span class=\"__10 _471\"/>\u00e4rde skulle detta ge uppho<span class=\"__10 _d_9\"/>v till bristande \u00f6ver-<span class=\"__10 _469\"> </span>ensst\u00e4mmelse i redo<span class=\"__10 _d_9\"/>visningen. F\u00f6r att undvika detta v\u00e4r<span class=\"__10 _d_9\"/>derar<span class=\"__10 _469\"> </span> Nordea obligationerna till v<span class=\"__10 _471\"/>erkligt v\u00e4rde, med alla f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndring-<span class=\"__10 _469\"> </span>ar i verkligt v\u00e4r<span class=\"__10 _471\"/>de, inklusive f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i kreditrisk, redovi-<span class=\"__10 _469\"> </span>sade i resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen. F\u00f6r\u00e4ndring i verkligt v<span class=\"__10 _d_9\"/>\u00e4rde till f\u00f6ljd<span class=\"__10 _469\"> </span> av f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i egen kreditrisk p\u00e5 hypot<span class=\"__10 _471\"/>eksobligationer<span class=\"__10 _469\"> </span> emitterade a<span class=\"__10 _d_9\"/>v <span class=\"ws0_10\">Nordea</span> Kredit Realkreditak<span class=\"__10 _d_9\"/>tiesel <span class=\"__10 _2f_4\"/>skab, ber\u00e4knas<span class=\"__10 _469\"> </span> genom att f<span class=\"__10 _471\"/>astst\u00e4lla den beloppsm\u00e4ssiga f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringen i verk<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>ligt v\u00e4rde som in<span class=\"__10 _d_9\"/>te \u00e4r h\u00e4nf\u00f6rlig till marknadsf<span class=\"__10 _d_9\"/>\u00f6rh\u00e5llanden.<span class=\"__10 _469\"> </span> Den metod som anv<span class=\"__10 _471\"/>\u00e4nds f\u00f6r a<span class=\"__10 _d_9\"/>tt fastst\u00e4lla den beloppsm\u00e4s-<span class=\"__10 _469\"> </span>siga f\u00f6r<span class=\"__10 _471\"/>\u00e4ndringen i marknadsf\u00f6rh\u00e5llanden \u00e4r bas<span class=\"__10 _471\"/>erad p\u00e5 rele-<span class=\"__10 _469\"> </span>van<span class=\"__10 _471\"/>ta j\u00e4mf<span class=\"__10 _d_9\"/>\u00f6relser\u00e4ntor<span class=\"__10 _479\"/>, vilket \u00e4r den genomsnittliga avkas<span class=\"__10 _471\"/>t-<span class=\"__10 _469\"> </span>ningen p\u00e5 danska och tyska (euro<span class=\"__10 _d_9\"/>) statsobligationer<span class=\"__10 _479\"/>. Denna<span class=\"__10 _469\"> </span> modell bed\u00f6ms generera den b\u00e4s<span class=\"__10 _471\"/>ta uppskattningen a<span class=\"__10 _d_9\"/>v den<span class=\"__10 _469\"> </span> egna kreditriskens p\u00e5<span class=\"__10 _d_9\"/>verkan. F\u00f6r\u00e4ndringen i egen kr<span class=\"__10 _d_9\"/>editrisk<span class=\"__10 _469\"> </span>p\u00e5 emitterade hypo<span class=\"__10 _d_9\"/>teksobligationer i Nordea Kredit Realkr<span class=\"__10 _d_9\"/>e-<span class=\"__10 _469\"> </span>ditakties<span class=\"__10 _471\"/>elskab redovisas in<span class=\"__10 _d_9\"/>te i \u00f6vrigt totalresul<span class=\"__10 _d_9\"/>tat (OCI) efter-<span class=\"__10 _469\"> </span>som det redovisningsm\u00e4ssigt sk<span class=\"__10 _471\"/>ulle avvik<span class=\"__10 _471\"/>a fr\u00e5n den mo<span class=\"__10 _d_9\"/>tsva-<span class=\"__10 _469\"> </span>rande f<span class=\"__10 _471\"/>\u00f6r\u00e4ndringen i verkligt v<span class=\"__10 _d_9\"/>\u00e4rde p\u00e5 hypoteksl\u00e5nen som<span class=\"__10 _469\"> </span> redovisas i re<span class=\"__10 _471\"/>sultatr<span class=\"__10 _d_9\"/>\u00e4kningen.<span class=\"__10 _469\"> </span> Nordea till\u00e4mpar ocks\u00e5 verkligt v<span class=\"__10 _471\"/>\u00e4rde-optionen p\u00e5 struk<span class=\"__10 _d_9\"/>tu-<span class=\"__10 _469\"> </span>rerade obliga<span class=\"__10 _471\"/>tioner emitterade a<span class=\"__10 _d_9\"/>v Markets, till ett v\u00e4rde a<span class=\"__10 _d_9\"/>v<span class=\"__10 _469\"> </span> 1 371 mn euro (1 568 mn euro<span class=\"__10 _471\"/>), eftersom dessa hybridinstru-<span class=\"__10 _469\"> </span>ment, s\u00e5som index<span class=\"__10 _d_9\"/>obligationer<span class=\"__10 _d_9\"/>, inneh\u00e5ller inb\u00e4ddade derivat<span class=\"__10 _469\"> </span> som inte \u00e4r n\u00e4r<span class=\"__10 _d_9\"/>a f\u00f6rknippade med v\u00e4rda<span class=\"__10 _d_9\"/>vtalet<span class=\"__10 _c_9\"/>. V<span class=\"__10 _d_9\"/>\u00e4rdavtalet<span class=\"__10 _469\"> </span> och det inb\u00e4ddade derivat<span class=\"__10 _471\"/>et v\u00e4rder<span class=\"__10 _471\"/>as till verkligt v\u00e4r<span class=\"__10 _471\"/>de via<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen och redovisas under \u201dEmitterade v<span class=\"__10 _471\"/>\u00e4rde-<span class=\"__10 _469\"> </span>papper<span class=\"__10 _c_9\"/>\u201d i balansr\u00e4kningen.  F\u00f6r<span class=\"__10 _471\"/>\u00e4ndringen i verkligt v\u00e4r<span class=\"__10 _471\"/>de p\u00e5<span class=\"__10 _469\"> </span> dessa emitterade s<span class=\"__10 _471\"/>truktur<span class=\"__10 _471\"/>erade obligationer r<span class=\"__10 _471\"/>edovisas i resul<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>tatr\u00e4kningen under \u201dNett<span class=\"__10 _471\"/>oresulta<span class=\"__10 _d_9\"/>t av poster till verkligt<span class=\"__10 _469\"> </span> v\u00e4rde\u201d<span class=\"__10 _479\"/>, med undantag f<span class=\"__10 _d_9\"/>\u00f6r f\u00f6r\u00e4ndringar i den egna kreditris-<span class=\"__10 _469\"> </span>ken som redo<span class=\"__10 _471\"/>visas i \u00f6vrigt tot<span class=\"__10 _471\"/>alresulta<span class=\"__10 _d_9\"/>t<span class=\"__10 _c_9\"/>. Nordea ber\u00e4knar f<span class=\"__10 _471\"/>\u00f6r-<span class=\"__10 _469\"> </span>\u00e4ndringen i den egna kreditrisken som f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringen i den<span class=\"__10 _469\"> </span> samlade riskpremien p\u00e5 egen uppl\u00e5ning, under ant<span class=\"__10 _471\"/>agandet<span class=\"__10 _469\"> </span> att likviditetspremien f<span class=\"__10 _d_9\"/>\u00f6r alla emissioner \u00e4r konstant \u00f6<span class=\"__10 _d_9\"/>ver tid.<span class=\"__10 _469\"> </span> F\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndring i riskpremien uppskattas genom att j\u00e4mf<span class=\"__10 _d_9\"/>\u00f6ra v\u00e4r-<span class=\"__10 _469\"> </span><span class=\"__10 _469\">det p\u00e5 aff\u00e4r</span><span class=\"__10 _d_9\"/>erna med hj\u00e4lp av den ursprungliga riskpremien<span class=\"__10 _469\"> </span> f\u00f6r uppl\u00e5ning vid emissions<span class=\"__10 _471\"/>tidpunkten och den v<span class=\"__10 _d_9\"/>erkliga risk-<span class=\"__10 _469\"> </span>premien f<span class=\"__10 _471\"/>\u00f6r uppl\u00e5ning vid rapporteringstidpunk<span class=\"__10 _d_9\"/>ten. Denna<span class=\"__10 _469\"> </span> modell bed\u00f6ms generera den b\u00e4s<span class=\"__10 _471\"/>ta uppskattningen a<span class=\"__10 _d_9\"/>v den<span class=\"__10 _469\"> </span> egna kreditriskens p\u00e5<span class=\"__10 _d_9\"/>verkan.<span class=\"__10 _469\"> </span>\u00c4<span class=\"__10 _d_9\"/>ven inl\u00e5ningen i placeringsportf\u00f6ljer och f<span class=\"__10 _471\"/>ondf\u00f6rs\u00e4krings-<span class=\"__10 _469\"> </span>avtal till ett v<span class=\"__10 _d_9\"/>\u00e4rde av 42 776 mn euro (<span class=\"__10 _471\"/>48 201 mn euro), var<span class=\"__10 _d_9\"/>av<span class=\"__10 _469\"> </span> 38 606 mn euro (<span class=\"__10 _d_9\"/>4<span class=\"__10 _c_9\"/>3 344 mn euro) a<span class=\"__10 _d_9\"/>vser Life &amp; Pension, v<span class=\"__10 _d_9\"/>\u00e4rde-<span class=\"__10 _469\"> </span>ras redan f<span class=\"__10 _471\"/>r\u00e5n b\u00f6rjan till verkligt v<span class=\"__10 _471\"/>\u00e4rde via resul<span class=\"__10 _471\"/>tatr\u00e4kningen<span class=\"__10 _469\"> </span> eftersom inl\u00e5ningen f\u00f6rval<span class=\"__10 _471\"/>tas till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de. V\u00e4rdet p\u00e5<span class=\"__10 _469\"> </span> denna inl\u00e5ning \u00e4r direkt k<span class=\"__10 _d_9\"/>opplad till det verkliga v\u00e4rdet p\u00e5<span class=\"__10 _469\"> </span> underliggande tillg\u00e5ngar<span class=\"__10 _d_9\"/>, och f\u00f6r\u00e4ndringar i den egna kr<span class=\"__10 _471\"/>edit-<span class=\"__10 _469\"> </span>risken medf<span class=\"__10 _471\"/>\u00f6r d\u00e4rmed inte n\u00e5gon nett<span class=\"__10 _471\"/><span class=\"__10 _469\">oeffek</span><span class=\"__10 _d_9\"/>t<span class=\"__10 _c_9\"/>.<span class=\"__10 _469\"> </span>K3.8 <span class=\"__11 _642\"> </span>R\u00e4nt<span class=\"__11 _617\"/>eb\u00e4rande v<span class=\"__11 _617\"/>\u00e4rdepapper<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>Instrument s<span class=\"__11 _617\"/>om enkelt kan \u00f6<span class=\"__11 _617\"/>verf\u00f6r<span class=\"__11 _617\"/>as och d\u00e4r innehav<span class=\"__11 _617\"/>aren a<span class=\"__11 _617\"/>v instrument<span class=\"__11 _617\"/>et erh\u00e5ller det nominella beloppet p\u00e5 f\u00f6rf<span class=\"__11 _617\"/>alloda-<span class=\"__11 _624\"> </span>gen redovisas normalt under balanspos<span class=\"__11 _617\"/>ten \u201dR\u00e4n<span class=\"__11 _617\"/>teb\u00e4rande v\u00e4rdepapper\u201d<span class=\"__11 _617\"/>. Instrumen<span class=\"__11 _617\"/>t som in<span class=\"__11 _617\"/>te kan \u00f6v<span class=\"__11 _617\"/>erf\u00f6ras eller s\u00e4ljas utan innehav<span class=\"__11 _617\"/>arens medgiv<span class=\"__11 _617\"/>ande normalt redovisas s<span class=\"__11 _617\"/>om utl\u00e5-<span class=\"__11 _624\"> </span>ning (se not K3.<span class=\"__11 _617\"/>7 \u201dUtl\u00e5ning\u201d). Vid \u00e5terk<span class=\"__11 _617\"/>\u00f6pstransak<span class=\"__11 _617\"/>tioner och v\u00e4rdepappersl\u00e5n \u00f6v<span class=\"__11 _617\"/>erf\u00f6rs icke-kon<span class=\"__11 _617\"/>tan<span class=\"__11 _617\"/>ta tillg\u00e5ngar som s\u00e4ker-<span class=\"__11 _624\"> </span>het. Om den mottagande parten har r\u00e4tt att s\u00e4lja eller i sin tur pants\u00e4tt<span class=\"__11 _617\"/>a tillg\u00e5ngen redovisas den i balansr<span class=\"__11 _617\"/>\u00e4kningen under posten \u201dP<span class=\"__11 _617\"/>antsa<span class=\"__11 _617\"/>tta \ufb01nansiella instrumen<span class=\"__11 _617\"/>t\u201d (se not K3.9 \u201dPan<span class=\"__11 _617\"/>t-<span class=\"__11 _624\"> </span>satta \ufb01nansiella instrumen<span class=\"__11 _617\"/>t\u201d).<span class=\"__11 _624\"> </span>F\u00f6r ytt<span class=\"__11 _617\"/>erligare inf<span class=\"__11 _617\"/>ormation om r<span class=\"__11 _617\"/>edovisningsprinciper<span class=\"__11 _625\"/>, se not K3.<span class=\"__11 _625\"/>1 \u201dRedovisning och bortbokning i balansr\u00e4kningen\u201d<span class=\"__11 _625\"/>, not K3.2 \u201d\u00d6verf\u00f6r<span class=\"__11 _617\"/>da tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>, not K3.3 \u201dKlas<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>si\ufb01cering och v\u00e4rdering\u201d och no<span class=\"__11 _617\"/>t K3.4 \u201dV<span class=\"__11 _617\"/>erkligt v<span class=\"__11 _617\"/>\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>R\u00e4nteb\u00e4r<span class=\"__11 _617\"/>ande v\u00e4rdepapper<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _643\"> </span>31 dec 2022<span class=\"__11 _644\"> </span>31 dec 2021<span class=\"__11 _624\"> </span>Stater<span class=\"__11 _625\"/>, kommuner och andra myndigheter<span class=\"__11 _645\"> </span><span class=\"ls0_11 ws0_11\">14 179<span class=\"__11 _646\"> </span></span>19 228<span class=\"__11 _624\"> </span>Hypoteksinstitut<span class=\"__11 _2a_5\"> </span>23 222<span class=\"__11 _2b_5\"> </span>21 412<span class=\"__11 _624\"> </span>\u00d6vriga kreditinstitut<span class=\"__11 _2c_5\"> </span>19 547<span class=\"__11 _2d_5\"> </span>18 245<span class=\"__11 _624\"> </span>F\u00f6ret<span class=\"__11 _617\"/>ag<span class=\"__11 _2e_5\"> </span>3 158<span class=\"__11 _2f_5\"> </span>2 433<span class=\"__11 _624\"> </span>\u00d6vriga<span class=\"__11 _647\"> </span>3 418<span class=\"__11 _648\"> </span>2 065<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _649\"> </span>63 524<span class=\"__11 _650\"> </span>63 383<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vs\u00e4ttningar f<span class=\"__11 _617\"/>\u00f6r kreditrisk<span class=\"__11 _617\"/><span class=\"__11 _624\">er uppgick till 3 mn euro (15 mn </span>euro).<span class=\"__11 _624\"> </span>K3.<span class=\"__11 _625\"/>15  Emitterade v\u00e4rdepapper<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>Emitterade v<span class=\"__11 _617\"/>\u00e4rdepapper \u00e4r instrumen<span class=\"__11 _617\"/>t som Nordea emitter<span class=\"__11 _617\"/>at<span class=\"__11 _624\"> </span> och som enkelt kan \u00f6<span class=\"__11 _617\"/>verf\u00f6r<span class=\"__11 _617\"/>as utan Nordeas medgiv<span class=\"__11 _617\"/>ande.<span class=\"__11 _624\"> </span> Emitterade v<span class=\"__11 _617\"/>\u00e4rdepapper klassi\ufb01ceras i enlighet med no<span class=\"__11 _617\"/>t K3.3<span class=\"__11 _624\"> </span> \u201dKlassi\ufb01cering och v\u00e4rdering\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span> F\u00f6r en s\u00e4kr<span class=\"__11 _617\"/>ad post i en s\u00e4kring a<span class=\"__11 _617\"/>v verkligt v<span class=\"__11 _617\"/>\u00e4rde p\u00e5 mikro-<span class=\"__11 _624\"> </span>niv\u00e5, v\u00e4r<span class=\"__11 _617\"/>deras den s\u00e4krade risk<span class=\"__11 _617\"/>en till verkligt v\u00e4r<span class=\"__11 _617\"/>de och redo-<span class=\"__11 _624\"> </span>visas p\u00e5 raden \u201dF<span class=\"__11 _617\"/>\u00f6r\u00e4ndringar a<span class=\"__11 _617\"/>v verkligt v<span class=\"__11 _617\"/>\u00e4rde f<span class=\"__11 _617\"/>\u00f6r mikros\u00e4k<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>ringar av r<span class=\"__11 _617\"/>\u00e4nt<span class=\"__11 _617\"/>erisk\u201d i tabellen nedan (f\u00f6r ytt<span class=\"__11 _617\"/>erligare inf<span class=\"__11 _617\"/>orma<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>tion, se not K3.6 \u201dS\u00e4kringsredo<span class=\"__11 _617\"/>visning\u201d).<span class=\"__11 _624\"> </span>F\u00f6r ytt<span class=\"__11 _617\"/>erligare redovisningsprinciper<span class=\"__11 _625\"/>, se not K3.<span class=\"__11 _625\"/>1 \u201dRedovis-<span class=\"__11 _624\"> </span>ning och bortbokning i balansr\u00e4kningen\u201d och not K3.4 \u201dV<span class=\"__11 _625\"/>erk-<span class=\"__11 _624\"> </span>ligt v\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Emitterade v\u00e4r<span class=\"__11 _617\"/>depapper<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _8c_3\"> </span>31 dec 2022<span class=\"__11 _8d_3\"> </span>31 dec 2021<span class=\"__11 _624\"> </span>Bankcerti\ufb01kat<span class=\"__11 _9b_3\"> </span>36 930<span class=\"__11 _5d_3\"> </span>26 863<span class=\"__11 _624\"> </span>F\u00f6ret<span class=\"__11 _617\"/>agscerti\ufb01kat<span class=\"__11 _7d_4\"> </span>13 991<span class=\"__11 _674\"> </span>11 336<span class=\"__11 _624\"> </span>S\u00e4kerst\u00e4llda obligationer <span class=\"__11 _9c_4\"> </span>108 100<span class=\"__11 _668\"> </span>114 308<span class=\"__11 _624\"> </span>Senior icke-prioriterad sk<span class=\"__11 _617\"/>uld<span class=\"__11 _651\"> </span>11 126<span class=\"__11 _3b_5\"> </span>6 182<span class=\"__11 _624\"> </span>Senior icke-s\u00e4kerst\u00e4llda obligationer<span class=\"__11 _9d_3\"> </span>13 620<span class=\"__11 _8b_3\"> </span>17 067<span class=\"__11 _624\"> </span>\u00d6vriga<span class=\"__11 _9e_3\"> </span>34<span class=\"__11 _694\"> </span>36<span class=\"__11 _624\"> </span>F\u00f6r\u00e4ndringar a<span class=\"__11 _617\"/>v verkligt v<span class=\"__11 _617\"/>\u00e4rde f<span class=\"__11 _617\"/>\u00f6r<span class=\"__11 _624\"> </span> mikros\u00e4kringar av r<span class=\"__11 _617\"/>\u00e4nterisk<span class=\"__11 _3e_5\"> </span>-3 998<span class=\"__11 _6c_3\"> </span><span class=\"ls0_11 ws0_11\">573<span class=\"__11 _624\"> </span></span>Summa<span class=\"__11 _658\"> </span>179 803<span class=\"__11 _9f_3\"> </span>176 365<span class=\"__11 _624\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDebtSecuritiesExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-612": {
   "value": "Finansiella tillg\u00e5ngar och skulder v\u00e4rderade  till verkligt v\u00e4rde via resultatr\u00e4kningen Finansiella tillg\u00e5ngar och skulder v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen v\u00e4rderas till verkligt v\u00e4rde exklusive transak- tionskostnader. F\u00f6r\u00e4ndringar i verkligt v\u00e4rde f\u00f6r dessa poster  redovisas normalt direkt i resultatr\u00e4kningen under \u201dNettoresultat  av poster till verkligt v\u00e4rde\u201d. Emellertid redovisas justeringar till  verkligt v\u00e4rde av marginalkomponenten f\u00f6r l\u00e5nefordringar i port- f\u00f6ljer d\u00e4r avsikten \u00e4r att beh\u00e5lla instrumenten till f\u00f6rfall och som  obligatoriskt v\u00e4rderas till verkligt v\u00e4rde (uppfyller inte SPPI-krite- riet) separat i resultatr\u00e4kningen under posten \u201dNettoresultat av  utl\u00e5ning i portf\u00f6ljer som h\u00e5lls till f\u00f6rfall och obligatoriskt v\u00e4rdera s till verkligt v\u00e4rde\u201d. F\u00f6r mer information, se not K2.4 \u201dSumma net- toresultat av poster till verkligt v\u00e4rde\u201d. F\u00f6r information om ber\u00e4k- ning av verkligt v\u00e4rde, se not K3.4 \u201dVerkligt v\u00e4rde\u201d. Den h\u00e4r kategorin har tv\u00e5 underkategorier: \u201dObligatoriskt v\u00e4r- derade till verkligt v\u00e4rde via resultatr\u00e4kningen\u201d och \u201dFr\u00e5n b\u00f6rjan  v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen (verkligt v\u00e4r- de-optionen)\u201d. Underkategorin \u201dFr\u00e5n b\u00f6rjan  v\u00e4rderade till verk- ligt v\u00e4rde via resultatr\u00e4kningen (verkligt v\u00e4rde-optionen)\u201d inne- b\u00e4r att \ufb01nansiella tillg\u00e5ngar och skulder kan v\u00e4rderas till verkligt  v\u00e4rde samtidigt som skillnaderna i verkligt v\u00e4rde redovisas i  resultatr\u00e4kningen. Det h\u00e4r alternativet kan anv\u00e4ndas om det eli- minerar eller avsev\u00e4rt minskar en bristande \u00f6verensst\u00e4mmelse i  redovisningen och f\u00f6r skulder om de f\u00f6rvaltas baserat p\u00e5 verk- ligt v\u00e4rde. F\u00f6r\u00e4ndringar i kreditrisk h\u00e4nf\u00f6rliga till skulder som  redan fr\u00e5n b\u00f6rjan v\u00e4rderats till verkligt v\u00e4rde via resultatr\u00e4k- ningen redovisas under \u00f6vrigt totalresultat, s\u00e5vida detta inte f\u00f6r- anleder bristande \u00f6verensst\u00e4mmelse i redovisningen. R\u00e4nteint\u00e4kter och r\u00e4ntekostnader h\u00e4nf\u00f6rliga till balanspos- ter redovisade till verkligt v\u00e4rde via resultatr\u00e4kningen klassi\ufb01- ceras normalt som \u201dNettoresultat av poster till verkligt v\u00e4rde\u201d.  F\u00f6r mer information, se not K2.4 \u201dSumma nettoresultat av pos- ter till verkligt v\u00e4rde\u201d och not K2.2 \u201dR\u00e4ntenetto\u201d. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-613": {
   "value": "Emitterade skuld- och eget kapital-instrument Ett \ufb01nansiellt instrument emitterat av Nordea klassi\ufb01ceras antingen som en \ufb01nansiell skuld eller som eget kapital. Emitte- rade \ufb01nansiella instrument klassi\ufb01ceras som \ufb01nansiella skulder om avtalsf\u00f6rh\u00e5llandena inneb\u00e4r att Nordea har en be\ufb01ntlig f\u00f6r- pliktelse att antingen erl\u00e4gga kontanter eller annan \ufb01nansiell tillg\u00e5ng, eller ett variabelt antal eget kapital-instrument, till innehavaren av instrumentet. Om s\u00e5 inte \u00e4r fallet \u00e4r instrumen- tet vanligtvis ett eget kapital-instrument och klassi\ufb01ceras som eget kapital, med avdrag f\u00f6r transaktionskostnader. Om emit- terade \ufb01nansiella instrument inneh\u00e5ller b\u00e5de en skuld- och en eget kapital-del, redovisas dessa delar separat. Aktiekapital Aktiekapitalet uppg\u00e5r till 4 049 951 919 euro. Nordeaaktien har inget nominellt v\u00e4rde. Varje aktie ger en r\u00f6str\u00e4tt. F\u00f6r mer information om antalet registrerade aktier, se \u201dRapport \u00f6ver f\u00f6r\u00e4ndringar i eget kapital\u201d ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIssuedCapitalExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-614": {
   "value": "<div class=\"t_10 m0_10 h8_9 ff1_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:663.0738px;\">Klassi\ufb01cering a<span class=\"__10 _d_9\"/>v \ufb01nansiella instrument<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:646.3883px;\">Tillg\u00e5ngar<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:403.5382px; bottom:629.8548px;\">Finansiella tillg\u00e5ngar v\u00e4rderade<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:424.4656px; bottom:620.1048px;\">till verkligt v\u00e4rde via<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:429.48102px; bottom:610.3548px;\">resulta<span class=\"__10 _471\"/>tr\u00e4kningen<span class=\"__10 _469\"> </span></div><div class=\"t_10 m1_5 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:541.07587px; bottom:594.1866px;\">V<span class=\"__10 _471\"/>erkligt<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m1_5 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:536.8238px; bottom:584.4366px;\">v\u00e4rde via<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m1_5 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:548.24084px; bottom:574.6866px;\">\u00f6vrigt<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m1_5 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 lsc_9 ws11_9\" style=\"left:550.1551px; bottom:564.9366px;\">total-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m1_5 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:542.15784px; bottom:555.1866px;\">resulta<span class=\"__10 _471\"/>t<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:593.31714px; bottom:574.6866px;\">Summ<span class=\"__10 _469\"> </span>a <span class=\"__10 _2b_4\"/> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws12_9\" style=\"left:583.26294px; bottom:564.9366px;\">\ufb01nansiell<span class=\"__10 _469\"> </span>a  </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:585.0803px; bottom:555.1866px;\">tillg\u00e5ngar<span class=\"__10 _500\"/>31 dec 2022, mn euro<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:358.18616px; bottom:574.6866px;\">Upplupet <span class=\"__10 _2b_4\"/> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:342.85916px; bottom:564.9366px;\"><span class=\"__10 _469\">anskaffnings-<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:371.69574px; bottom:555.1866px;\">v\u00e4rde <span class=\"__10 _501\"> </span>Obligatorisk<span class=\"__10 _471\"/>t<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:479.14856px; bottom:594.1866px;\">Fr\u00e5n b\u00f6rjan<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:472.20654px; bottom:584.4366px;\">v\u00e4rderade till<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws12_9\" style=\"left:470.19415px; bottom:574.6866px;\">verkligt <span class=\"__10 _502\"> </span>v\u00e4rde  </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:464.03217px; bottom:564.9366px;\">(verkligt v\u00e4rde-<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:485.46655px; bottom:555.1866px;\">optionen)<span class=\"__10 _469\"> </span></div><div class=\"t_10 m2_4 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:538.04346px;\">Kassa och tillgodoha<span class=\"__10 _471\"/>vanden hos cen<span class=\"__10 _471\"/>tralbanker<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:367.4316px; bottom:538.04346px;\">61 815<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _1f_6\"> </span>61 81<span class=\"__10 _469\"> </span>5<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:520.89905px;\">Utl\u00e5ning till centr<span class=\"__10 _471\"/>albanker <span class=\"__10 _506\"> </span>6<span class=\"__10 _507\"> </span>879<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _508\"> </span>885<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:503.75464px;\">Utl\u00e5ning till kreditinstitut<span class=\"__10 _509\"> </span>2 831<span class=\"__10 _505\"> </span><span class=\"lsd_8 ws13_9\">1<span class=\"__10 _1d_6\"/> 74<span class=\"__10 _1d_6\"/>2<span class=\"__10 _3a_5\"> </span></span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _483\"> </span><span class=\"ls4_9 ws7_9\">4 573<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:486.6103px;\">Utl\u00e5ning till allm\u00e4nheten<span class=\"__10 _3b_4\"> </span>275 116<span class=\"__10 _508\"> </span>70 627<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _3c_4\"> </span>345 7<span class=\"__10 _d_9\"/>43<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:469.46588px;\">R\u00e4nteb\u00e4r<span class=\"__10 _471\"/>ande v\u00e4rdepapper<span class=\"__10 _3d_4\"> </span>3 660<span class=\"__10 _3e_4\"> </span>21 417<span class=\"__10 _3f_4\"> </span>8 073<span class=\"__10 _510\"> </span>30 37<span class=\"__10 _d_9\"/>4<span class=\"__10 _2a_4\"> </span>63 5<span class=\"__10 _c_9\"/>24<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:452.32147px;\">Pan<span class=\"__10 _471\"/>tsatta \ufb01nansiella instrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _511\"> </span>\u2013<span class=\"__10 _512\"> </span>2 661<span class=\"__10 _513\"> </span>120<span class=\"__10 _514\"> </span>2 121<span class=\"__10 _515\"> </span>4 902<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:435.17706px;\">Aktier och andelar<span class=\"__10 _516\"> </span>\u2013<span class=\"__10 _498\"> </span>17 924<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _1f_6\"> </span>17 92<span class=\"__10 _471\"/>4<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:418.03265px;\">Tillg\u00e5ngar i placeringsportf\u00f6ljer och f<span class=\"__10 _471\"/>ondf\u00f6rs\u00e4kringsa<span class=\"__10 _471\"/>vtal<span class=\"__10 _517\"> </span>\u2013<span class=\"__10 _518\"> </span>40 289<span class=\"__10 _519\"> </span>666<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _4a_2\"> </span>40 955<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:400.88824px;\">Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _4b_2\"> </span>\u2013<span class=\"__10 _496\"> </span>36 578<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _2a_4\"> </span>36 578<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:383.74384px;\">F\u00f6r\u00e4ndring a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde f\u00f6r r<span class=\"__10 _d_9\"/>\u00e4ntes\u00e4krade poster i s\u00e4kringsportf<span class=\"__10 _471\"/>\u00f6ljer<span class=\"__10 _4c_2\"> </span>-2 116<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _514\"> </span>-<span class=\"__10 _d_9\"/>2 116<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:366.5995px;\"><span class=\"__10 _469\">\u00d6vriga tillg\u00e5ngar1</span><span class=\"__10 _4d_2\"> </span>2 261<span class=\"__10 _4e_2\"> </span>6 360<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _483\"> </span>8 621<span class=\"__10 _469\"> </span></div><div class=\"t_10 m3_4 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:349.46936px;\">F\u00f6rutbetalda k<span class=\"__10 _471\"/>ostnader och upplupna int<span class=\"__10 _471\"/>\u00e4kter<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:378.3151px; bottom:349.46936px;\">475<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _498\"> </span>47<span class=\"__10 _469\"> </span>5<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:332.32495px;\">Summa<span class=\"__10 _4f_2\"> </span>344 048<span class=\"__10 _520\"> </span>198 477<span class=\"__10 _521\"> </span>8 859<span class=\"__10 _3c_4\"> </span>32 495<span class=\"__10 _522\"> </span>583 879<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:312.66803px;\">1) V<span class=\"__10 _d_9\"/>arav st\u00e4llda marginals\u00e4kerheter klassi\ufb01c<span class=\"__10 _471\"/>erade i kategorin Finansiella tillg\u00e5ngar v<span class=\"__10 _471\"/>\u00e4rderade till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de via resultatr\u00e4kningen obligatorisk<span class=\"__10 _471\"/>t 6 046 mn euro<span class=\"__10 _469\"> </span>.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:283.97015px;\">Skulder<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:449.95416px; bottom:267.4361px;\">Finansiella skulder v\u00e4rderade till<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:479.14856px; bottom:257.6861px;\">verkligt v\u00e4rde via<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:477.38678px; bottom:247.9361px;\">resulta<span class=\"__10 _471\"/>tr\u00e4kningen<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:593.31714px; bottom:212.26672px;\">Summ<span class=\"__10 _469\"> </span>a<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:583.26294px; bottom:202.51672px;\">\ufb01nansiell<span class=\"__10 _469\"> </span>a<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:593.31714px; bottom:192.76672px;\">skulder<span class=\"__10 _500\"/>31 dec 2022, mn euro<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:406.08698px; bottom:212.26672px;\">Upplupet<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:390.75998px; bottom:202.51672px;\"><span class=\"__10 _469\">anskaffnings-<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:419.5966px; bottom:192.76672px;\">v\u00e4rde <span class=\"__10 _523\"> </span>Obligatoriska<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:527.0494px; bottom:231.76672px;\">Fr\u00e5n b\u00f6rjan <span class=\"__10 _2b_4\"/> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:520.10736px; bottom:222.01672px;\">v\u00e4rderade till<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws12_9\" style=\"left:518.095px; bottom:212.26672px;\">verkligt <span class=\"__10 _502\"> </span>v\u00e4rde  </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:511.93298px; bottom:202.51672px;\">(verkligt v\u00e4rde-<span class=\"__10 _469\"> </span> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:533.3674px; bottom:192.76672px;\">optionen)<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:175.62491px;\">Skulder till kreditinstitut<span class=\"__10 _524\"> </span>22 423<span class=\"__10 _496\"> </span>10 446<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _4a_2\"> </span>32 869<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:158.4805px;\">In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__10 _525\"> </span>210 814<span class=\"__10 _4e_2\"> </span>6 650<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _3c_4\"> </span>217 464<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:141.33612px;\">Inl\u00e5ning i placeringsportf\u00f6ljer och f<span class=\"__10 _471\"/>ondf\u00f6rs\u00e4kringsa<span class=\"__10 _471\"/>vtal<span class=\"__10 _526\"> </span>\u2013<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _4e_2\"> </span><span class=\"ls4_9 ws7_9\">42<span class=\"__10 _c_9\"/> 776<span class=\"__10 _491\"> </span>4<span class=\"__10 _c_9\"/>2 7<span class=\"__10 _c_9\"/>76<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:124.19171px;\">Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper <span class=\"__10 _527\"> </span>128 488<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _505\"> </span>5<span class=\"__10 _d_9\"/>1 315<span class=\"__10 _3c_4\"> </span>179 803<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:107.0473px;\">Derivatinstrumen<span class=\"__10 _d_9\"/>t <span class=\"__10 _528\"> </span>\u2013<span class=\"__10 _496\"> </span>40 102<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _491\"> </span>40 102<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:89.90292px;\">F\u00f6r\u00e4ndring a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde f\u00f6r r<span class=\"__10 _d_9\"/>\u00e4ntes\u00e4krade poster i s\u00e4kringsportf<span class=\"__10 _471\"/>\u00f6ljer<span class=\"__10 _529\"> </span>-2 175<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _5a_2\"> </span>-2 175<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:72.758514px;\"><span class=\"__10 _469\">\u00d6vriga skulder1</span><span class=\"__10 _5b_2\"> </span>5 225<span class=\"__10 _498\"> </span>10 202<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _5c_2\"> </span>15 427<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:55.614105px;\">Upplupna kostnader och f<span class=\"__10 _d_9\"/>\u00f6rutbetalda int\u00e4kter<span class=\"__10 _5d_2\"> </span>7<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _5e_2\"> </span>7<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:38.469696px;\">Efterst\u00e4llda sk<span class=\"__10 _471\"/>ulder<span class=\"__10 _5f_2\"> </span>5 401<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _483\"> </span>5 401<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:21.325317px;\">Summa<span class=\"__10 _530\"> </span>370 183<span class=\"__10 _518\"> </span>67 400<span class=\"__10 _3e_4\"> </span>94 091<span class=\"__10 _531\"> </span>531 67<span class=\"__10 _d_9\"/>4<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:1.6788025px;\">1)  V<span class=\"__10 _471\"/>arav leasingsk<span class=\"__10 _471\"/>ulder klassi\ufb01cerade i kat<span class=\"__10 _471\"/><span class=\"__10 _469\">egorin Upplupet anskaffningsv\u00e4r</span><span class=\"__10 _471\"/>de 1 080 mn euro<span class=\"__10 _469\"> </span>.<span class=\"__10 _469\"> </span></div>Klassi\ufb01cering a<span class=\"__10 _d_9\"/>v \ufb01nansiella instrument<span class=\"__10 _469\"> </span>Tillg\u00e5ngar<span class=\"__10 _469\"> </span>31 dec 2021, mn euro<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade <span class=\"__10 _2b_4\"/> till verkligt v\u00e4rde via<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _471\"/>tr\u00e4kningen<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt<span class=\"__10 _469\"> </span> v\u00e4rde via<span class=\"__10 _469\"> </span> \u00f6vrigt<span class=\"__10 _469\"> </span> total-<span class=\"__10 _469\"> </span>resulta<span class=\"__10 _471\"/>t<span class=\"__10 _469\"> </span> Upplupet <span class=\"__10 _2b_4\"/> <span class=\"__10 _469\">anskaffnings-<span class=\"__10 _469\"> </span></span>v\u00e4rde <span class=\"__10 _523\"> </span>Obligatoriska<span class=\"__10 _469\"> </span>Fr\u00e5n b\u00f6rjan<span class=\"__10 _469\"> </span> v\u00e4rderade till<span class=\"__10 _469\"> </span> verkligt <span class=\"__10 _502\"> </span>v\u00e4rde  (verkligt<span class=\"__10 _469\"> </span> v\u00e4rde-<span class=\"__10 _469\"> </span> optionen)<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _469\"> </span> \ufb01nansiella<span class=\"__10 _469\"> </span> tillg\u00e5ngar<span class=\"__10 _469\"> </span>Kassa och tillgodoha<span class=\"__10 _471\"/>vanden hos cen<span class=\"__10 _471\"/>tralbanker<span class=\"__10 _469\"> </span>47 495<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _2a_4\"> </span>47 495<span class=\"__10 _469\"> </span>Utl\u00e5ning till centr<span class=\"__10 _471\"/>albanker <span class=\"__10 _532\"> </span>5<span class=\"__10 _5e_2\"> </span>404<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _496\"> </span>409<span class=\"__10 _469\"> </span>Utl\u00e5ning till kreditinstitut<span class=\"__10 _533\"> </span>1 791<span class=\"__10 _534\"> </span>192<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _483\"> </span>1 983<span class=\"__10 _469\"> </span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__10 _535\"> </span>269 87<span class=\"__10 _d_9\"/>4<span class=\"__10 _494\"> </span><span class=\"ls4_9 ws7_9\">7<span class=\"__10 _c_9\"/>5 176<span class=\"__10 _504\"> </span></span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _522\"> </span>345 050<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/>ande v\u00e4rdepapper<span class=\"__10 _3d_4\"> </span>3 448<span class=\"__10 _496\"> </span>21 880<span class=\"__10 _521\"> </span>4 083<span class=\"__10 _510\"> </span>33 972<span class=\"__10 _2a_4\"> </span>63 383<span class=\"__10 _469\"> </span>Pan<span class=\"__10 _471\"/>tsatta \ufb01nansiella instrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _511\"> </span>\u2013<span class=\"__10 _536\"> </span>1 668<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _483\"> </span>1 668<span class=\"__10 _469\"> </span>Aktier och andelar<span class=\"__10 _516\"> </span>\u2013<span class=\"__10 _537\"> </span>15 217<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _538\"> </span>15 217<span class=\"__10 _469\"> </span>Tillg\u00e5ngar i placeringsportf\u00f6ljer och f<span class=\"__10 _471\"/>ondf\u00f6rs\u00e4kringsa<span class=\"__10 _471\"/>vtal<span class=\"__10 _517\"> </span>\u2013<span class=\"__10 _518\"> </span>46 030<span class=\"__10 _519\"> </span>280<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _491\"> </span>46 310<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _4b_2\"> </span>\u2013<span class=\"__10 _518\"> </span>30 200<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _4a_2\"> </span>30 200<span class=\"__10 _469\"> </span>F\u00f6r\u00e4ndring a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde f\u00f6r r<span class=\"__10 _d_9\"/>\u00e4ntes\u00e4krade poster i s\u00e4kringsportf<span class=\"__10 _471\"/>\u00f6ljer<span class=\"__10 _539\"> </span>-65<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>-65<span class=\"__10 _469\"> </span><span class=\"__10 _469\">\u00d6vriga tillg\u00e5ngar1</span><span class=\"__10 _527\"> </span>829<span class=\"__10 _512\"> </span>7 265<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _5a_2\"> </span>8 094<span class=\"__10 _469\"> </span>F\u00f6rutbetalda k<span class=\"__10 _471\"/>ostnader och upplupna int<span class=\"__10 _471\"/>\u00e4kter<span class=\"__10 _469\"> </span>609<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _496\"> </span>609<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _6a_2\"> </span>323 986<span class=\"__10 _520\"> </span>198 032<span class=\"__10 _521\"> </span>4 363<span class=\"__10 _6b_2\"> </span>33 972<span class=\"__10 _6c_2\"> </span>560 353<span class=\"__10 _469\"> </span>1) V<span class=\"__10 _d_9\"/>arav st\u00e4llda marginals\u00e4kerheter klassi\ufb01c<span class=\"__10 _471\"/>erade i kategorin Finansiella tillg\u00e5ngar v<span class=\"__10 _471\"/>\u00e4rderade till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de via resultatr\u00e4kningen obligatorisk<span class=\"__10 _471\"/>t 6 578 mn euro.<span class=\"__10 _469\"> </span><span class=\"__10 _469\">Skulder1<span class=\"__10 _469\"> </span></span>31 dec 2021, mn euro<span class=\"__10 _469\"> </span>Finansiella skulder v\u00e4rderade  till verkligt v\u00e4rde via<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _471\"/>tr\u00e4kningen<span class=\"__10 _469\"> </span>Upplupet<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">anskaffnings-<span class=\"__10 _469\"> </span></span>v\u00e4rde <span class=\"__10 _523\"> </span>Obligatoriska<span class=\"__10 _469\"> </span>Fr\u00e5n b\u00f6rjan <span class=\"__10 _2b_4\"/> v\u00e4rderade till <span class=\"__10 _2b_4\"/> verkligt v\u00e4rde<span class=\"__10 _469\"> </span> (verkligt v\u00e4rde<span class=\"__10 _469\"> </span> -optionen)<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _469\"> </span> \ufb01nansiella<span class=\"__10 _469\"> </span> tillg\u00e5ngar<span class=\"__10 _469\"> </span>Skulder till kreditinstitut<span class=\"__10 _6d_2\"> </span>23 646<span class=\"__10 _505\"> </span>3 315<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _491\"> </span>26,961<span class=\"__10 _469\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__10 _6e_2\"> </span>203 162<span class=\"__10 _536\"> </span>2 639<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>205,801<span class=\"__10 _469\"> </span>Inl\u00e5ning i placeringsportf\u00f6ljer och f<span class=\"__10 _471\"/>ondf\u00f6rs\u00e4kringsa<span class=\"__10 _471\"/>vtal<span class=\"__10 _526\"> </span>\u2013<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>48 201<span class=\"__10 _2a_4\"> </span><span class=\"lse_8 ws14_9\">48,201<span class=\"__10 _469\"> </span></span>Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper <span class=\"__10 _540\"> </span>118 358<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _537\"> </span>58 007<span class=\"__10 _531\"> </span>176 365<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t <span class=\"__10 _528\"> </span>\u2013<span class=\"__10 _508\"> </span>31 485<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _491\"> </span>31 485<span class=\"__10 _469\"> </span>F\u00f6r\u00e4ndring a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde f\u00f6r r<span class=\"__10 _d_9\"/>\u00e4ntes\u00e4krade poster i s\u00e4kringsportf<span class=\"__10 _471\"/>\u00f6ljer<span class=\"__10 _f_9\"> </span>101<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>101<span class=\"__10 _469\"> </span><span class=\"__10 _469\">\u00d6vriga skulder2</span><span class=\"__10 _541\"> </span>4 307<span class=\"__10 _494\"> </span>11 87<span class=\"__10 _c_9\"/>3<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _5c_2\"> </span>16 180<span class=\"__10 _469\"> </span>Upplupna kostnader och f<span class=\"__10 _d_9\"/>\u00f6rutbetalda int\u00e4kter<span class=\"__10 _542\"> </span>8<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _485\"> </span>8<span class=\"__10 _469\"> </span>Efterst\u00e4llda sk<span class=\"__10 _471\"/>ulder<span class=\"__10 _543\"> </span>6 850<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _514\"> </span>6 850<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _544\"> </span>356 432<span class=\"__10 _508\"> </span>49 312<span class=\"__10 _545\"> </span>106 208<span class=\"__10 _6b_2\"> </span>511 952<span class=\"__10 _469\"> </span>1)  Skulder till f\u00f6rs\u00e4kringstagare har under 2022 klassi\ufb01c<span class=\"__10 _471\"/>erats som f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s\u00e4kringsavtal och ing\u00e5r in<span class=\"__10 _471\"/>te i upplysningarna ov<span class=\"__10 _471\"/>an. J\u00e4mf\u00f6r<span class=\"__10 _471\"/><span class=\"__10 _469\">elsesiffrorna har r\u00e4kna</span><span class=\"__10 _d_9\"/>ts om.<span class=\"__10 _469\"> </span>2)  V<span class=\"__10 _471\"/>arav leasingsk<span class=\"__10 _471\"/>ulder klassi\ufb01cerade i kat<span class=\"__10 _471\"/><span class=\"__10 _469\">egorin Upplupet anskaffningsv\u00e4r</span><span class=\"__10 _471\"/>de 1 147 mn euro<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar som fr\u00e5n b\u00f6rjan v<span class=\"__10 _d_9\"/>\u00e4rderats<span class=\"__10 _469\"> </span>till verkligt v\u00e4r<span class=\"__10 _471\"/>de via resul<span class=\"__10 _471\"/>tatr<span class=\"__10 _471\"/>\u00e4kningen<span class=\"__10 _469\"> </span>(verkligt v\u00e4r<span class=\"__10 _471\"/>de-optionen)<span class=\"__10 _469\"> </span>Alla r\u00e4n<span class=\"__10 _471\"/>teb\u00e4rande v<span class=\"__10 _471\"/>\u00e4rdepapper (inklusive pan<span class=\"__10 _d_9\"/>tsatta \ufb01nan-<span class=\"__10 _469\"> </span>siella instrument) i f<span class=\"__10 _d_9\"/>\u00f6rs\u00e4kringsavtal inom Lif<span class=\"__10 _471\"/>e &amp; Pension, med<span class=\"__10 _469\"> </span>undantag f<span class=\"__10 _d_9\"/>\u00f6r en por<span class=\"__10 _c_9\"/>tf\u00f6lj a<span class=\"__10 _d_9\"/>v r\u00e4nteb\u00e4r<span class=\"__10 _471\"/>ande v\u00e4rdepapper i<span class=\"__10 _469\"> </span>Norge \u2013 till ett v\u00e4r<span class=\"__10 _471\"/>de av 8 193 mn eur<span class=\"__10 _471\"/>o (<span class=\"__10 _d_9\"/>4 083 mn euro) \u2013 v\u00e4r-<span class=\"__10 _469\"> </span>deras redan f<span class=\"__10 _471\"/>r\u00e5n b\u00f6rjan till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde via resultatr\u00e4kning-<span class=\"__10 _469\"> </span>en f\u00f6r a<span class=\"__10 _471\"/>tt eliminera eller a<span class=\"__10 _d_9\"/>vsev\u00e4rt minska den bristande \u00f6ver-<span class=\"__10 _469\"> </span>ensst\u00e4mmelsen i redo<span class=\"__10 _d_9\"/>visningen med de skulder till f\u00f6rs\u00e4k-<span class=\"__10 _469\"> </span>ringstagare som v<span class=\"__10 _d_9\"/>\u00e4rderas till verkligt v\u00e4rde.  <span class=\"__10 _479\"/>Tillg\u00e5ngar i<span class=\"__10 _469\"> </span>placeringsportf\u00f6ljer och f<span class=\"__10 _d_9\"/>ondf\u00f6rs\u00e4kringsavtal inom Lif<span class=\"__10 _d_9\"/>e &amp;<span class=\"__10 _469\"> </span>Pension som in<span class=\"__10 _d_9\"/>te obligatoriskt v<span class=\"__10 _471\"/>\u00e4rderas till v<span class=\"__10 _471\"/>erkligt v\u00e4rde via<span class=\"__10 _469\"> </span>resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen \u2013 till ett v\u00e4rde av 666 mn eur<span class=\"__10 _d_9\"/>o (280 mn<span class=\"__10 _469\"> </span>euro) \u2013 v<span class=\"__10 _471\"/>\u00e4rderas r<span class=\"__10 _471\"/>edan fr\u00e5n b\u00f6rjan till v<span class=\"__10 _471\"/>erkligt v\u00e4rde via r<span class=\"__10 _471\"/>esul-<span class=\"__10 _469\"> </span>tatr\u00e4kningen f<span class=\"__10 _d_9\"/>\u00f6r att undvika bristande \u00f6v<span class=\"__10 _471\"/>erensst\u00e4mmels<span class=\"__10 _471\"/>e i<span class=\"__10 _469\"> </span>redovisningen med mo<span class=\"__10 _471\"/>tsvarande inl\u00e5ning. Nor<span class=\"__10 _471\"/>dea upplyser<span class=\"__10 _469\"> </span><span class=\"__10 _469\">inte om eff</span><span class=\"__10 _d_9\"/>ekten a<span class=\"__10 _d_9\"/>v f\u00f6r\u00e4ndring i kreditrisk p\u00e5 dessa tillg\u00e5ng-<span class=\"__10 _469\"> </span>ars verkliga v\u00e4rden och f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndring i verkligt v\u00e4rde a<span class=\"__10 _d_9\"/>v relate-<span class=\"__10 _469\"> </span>Finansiella skulder redan fr<span class=\"__10 _d_9\"/>\u00e5n b\u00f6rjan v\u00e4rderade till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de (verkligt v\u00e4rde-optionen)<span class=\"__10 _469\"> </span>2022<span class=\"__10 _546\"> </span>2021<span class=\"__10 _469\"> </span>Mn euro<span class=\"__10 _469\"> </span>Skulder d\u00e4r<span class=\"__10 _469\"> </span>f\u00f6r\u00e4ndring i<span class=\"__10 _469\"> </span>kreditrisk<span class=\"__10 _469\"> </span>presenter<span class=\"__10 _d_9\"/>as i<span class=\"__10 _469\"> </span>\u00d6vrigt<span class=\"__10 _469\"> </span>totalresul<span class=\"__10 _471\"/>tat<span class=\"__10 _469\"> </span>(OCI)<span class=\"__10 _469\"> </span>Skulder d\u00e4r<span class=\"__10 _469\"> </span>f\u00f6r\u00e4ndring i<span class=\"__10 _469\"> </span>kreditrisk<span class=\"__10 _469\"> </span>presenter<span class=\"__10 _d_9\"/>as i<span class=\"__10 _469\"> </span>resulta<span class=\"__10 _471\"/>tr\u00e4kningen<span class=\"__10 _547\"> </span>Summa<span class=\"__10 _469\"> </span>Skulder d\u00e4r<span class=\"__10 _469\"> </span>f\u00f6r\u00e4ndring i<span class=\"__10 _469\"> </span>kreditrisk<span class=\"__10 _469\"> </span>presenter<span class=\"__10 _d_9\"/>as i<span class=\"__10 _469\"> </span>\u00d6vrigt<span class=\"__10 _469\"> </span>totalresul<span class=\"__10 _471\"/>tat<span class=\"__10 _469\"> </span>(OCI)<span class=\"__10 _469\"> </span>Skulder d\u00e4r<span class=\"__10 _469\"> </span>f\u00f6r\u00e4ndring i<span class=\"__10 _469\"> </span>kreditrisk<span class=\"__10 _469\"> </span>presenter<span class=\"__10 _d_9\"/>as i<span class=\"__10 _469\"> </span>resulta<span class=\"__10 _471\"/>tr\u00e4kningen<span class=\"__10 _548\"> </span>Summa<span class=\"__10 _469\"> </span>Redovisat v<span class=\"__10 _d_9\"/>\u00e4rde<span class=\"__10 _549\"> </span>1 371<span class=\"__10 _7a_2\"> </span>92 720<span class=\"__10 _545\"> </span>94 091<span class=\"__10 _7b_2\"> </span>1 568<span class=\"__10 _7b_2\"> </span>104 6<span class=\"__10 _c_9\"/>40<span class=\"__10 _515\"> </span>106 208<span class=\"__10 _469\"> </span>Belopp att betala vid f<span class=\"__10 _471\"/><span class=\"__10 _469\">\u00f6rfall1</span><span class=\"__10 _7c_2\"> </span>1 634<span class=\"__10 _7d_3\"> </span>101 694<span class=\"__10 _483\"> </span>103 328<span class=\"__10 _485\"> </span>1 568<span class=\"__10 _5e_2\"> </span>108 062<span class=\"__10 _487\"> </span>109 630<span class=\"__10 _469\"> </span>F\u00f6r\u00e4ndring i v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde till f\u00f6ljd av f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndring i<span class=\"__10 _469\"> </span>kreditrisk, under \u00e5ret<span class=\"__10 _7e_2\"> </span>7<span class=\"__10 _7f_3\"> </span><span class=\"lse_8 ws14_9\">-43<span class=\"__10 _5e_2\"> </span></span>-36<span class=\"__10 _550\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _551\"> </span></span>-119<span class=\"__10 _552\"> </span>-121<span class=\"__10 _469\"> </span>F\u00f6r\u00e4ndring i v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde till f\u00f6ljd av f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndring i<span class=\"__10 _469\"> </span>kreditrisk, ackumulerat<span class=\"__10 _553\"> </span>-9<span class=\"__10 _554\"> </span>-583<span class=\"__10 _555\"> </span>-592<span class=\"__10 _7a_2\"> </span><span class=\"ls4_9 ws7_9\">-16<span class=\"__10 _550\"> </span></span>-540<span class=\"__10 _521\"> </span>-556<span class=\"__10 _469\"> </span>1)   <span class=\"__10 _2b_4\"/>Skulder till f\u00f6rs\u00e4kringstagare har ingen f<span class=\"__10 _d_9\"/>ast l\u00f6ptid och inget fastsatt belopp att betala vid f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>fall. Belopp att betala vid f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>fall har f<span class=\"__10 _471\"/>\u00f6r dessa skulder bed\u00f6mts uppg\u00e5 till det redo<span class=\"__10 _d_9\"/>vi-<span class=\"__10 _469\"> </span>sade v\u00e4rdet.<span class=\"__10 _469\"> </span>rade kreditderiv<span class=\"__10 _d_9\"/>at<span class=\"__10 _c_9\"/>, eftersom s\u00e5dana v\u00e4rde<span class=\"__10 _471\"/>f\u00f6r<span class=\"__10 _471\"/>\u00e4ndringar ome-<span class=\"__10 _469\"> </span>delbart kommer att result<span class=\"__10 _471\"/>era i v\u00e4s<span class=\"__10 _471\"/>entligen samma f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndring<span class=\"__10 _469\"> </span>i redovisa<span class=\"__10 _471\"/>t v\u00e4rde p\u00e5 mo<span class=\"__10 _471\"/>tsvarande sk<span class=\"__10 _d_9\"/>ulder till f\u00f6rs\u00e4kringsta-<span class=\"__10 _469\"> </span>gare. F<span class=\"__10 _471\"/>\u00f6r\u00e4ndring i egen kreditrisk p\u00e5 dessa tillg\u00e5ngar i Lif<span class=\"__10 _d_9\"/>e &amp;<span class=\"__10 _469\"> </span>Pension kommer d\u00e4rf<span class=\"__10 _d_9\"/>\u00f6r inte att f\u00e5 n\u00e5gon v<span class=\"__10 _d_9\"/>\u00e4sentlig p\u00e5v<span class=\"__10 _471\"/>erkan<span class=\"__10 _469\"> </span>p\u00e5 resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen eller eget kapital.<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar som fr\u00e5n b\u00f6rjan v<span class=\"__10 _d_9\"/>\u00e4rderats till verkligt v\u00e4r<span class=\"__10 _471\"/>de via result<span class=\"__10 _471\"/>atr\u00e4kningen<span class=\"__10 _469\"> </span>Mn euro <span class=\"__10 _556\"> </span>2022<span class=\"__10 _518\"> </span>2021<span class=\"__10 _469\"> </span>Redovisat v<span class=\"__10 _d_9\"/>\u00e4rde vid \u00e5rets slut<span class=\"__10 _557\"> </span>8 859<span class=\"__10 _487\"> </span>4 363<span class=\"__10 _469\"> </span>Maximal exponering f<span class=\"__10 _d_9\"/>\u00f6r kreditrisk vid \u00e5rets slut<span class=\"__10 _515\"> </span>8 859<span class=\"__10 _487\"> </span>4 363<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar v\u00e4rder<span class=\"__10 _471\"/>ade till<span class=\"__10 _469\"> </span>verkligt v\u00e4r<span class=\"__10 _471\"/>de via \u00f6vrigt to<span class=\"__10 _471\"/>talresul<span class=\"__10 _471\"/>tat<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar v\u00e4rder<span class=\"__10 _471\"/>ade till verkligt v\u00e4r<span class=\"__10 _471\"/>de via \u00f6vrigt<span class=\"__10 _469\"> </span>totalr<span class=\"__10 _471\"/>esultat ut<span class=\"__10 _471\"/>g\u00f6rs huvudsakligen av r<span class=\"__10 _471\"/>\u00e4nteb\u00e4r<span class=\"__10 _d_9\"/>ande v\u00e4rde-<span class=\"__10 _469\"> </span>papper i likviditetsreserven.<span class=\"__10 _469\"> </span>Finansiella skulder som fr<span class=\"__10 _d_9\"/>\u00e5n b\u00f6rjan v\u00e4rderats<span class=\"__10 _469\"> </span>till verkligt v\u00e4r<span class=\"__10 _471\"/>de via resul<span class=\"__10 _471\"/>tatr<span class=\"__10 _471\"/>\u00e4kningen<span class=\"__10 _469\"> </span>(verkligt v\u00e4r<span class=\"__10 _471\"/>de-optionen)<span class=\"__10 _469\"> </span>Nordea har klassi\ufb01cera<span class=\"__10 _d_9\"/>t alla emitterade hypoteksobliga<span class=\"__10 _d_9\"/>tioner<span class=\"__10 _469\"> </span>i det danska dotterf<span class=\"__10 _471\"/>\u00f6retaget Nordea Kr<span class=\"__10 _471\"/>edit Realkreditak<span class=\"__10 _d_9\"/>tie-<span class=\"__10 _469\"> </span>selskab, motsv<span class=\"__10 _d_9\"/>arande 49 944 mn euro (56 439 mn euro), som<span class=\"__10 _469\"> </span>\ufb01nansiella skulder som fr<span class=\"__10 _d_9\"/>\u00e5n b\u00f6rjan v\u00e4rderats till verkligt<span class=\"__10 _469\"> </span>v\u00e4rde via r<span class=\"__10 _471\"/>esultatr<span class=\"__10 _d_9\"/>\u00e4kningen, f\u00f6r att eliminera eller a<span class=\"__10 _d_9\"/>vsev\u00e4rt<span class=\"__10 _469\"> </span>minska bristande \u00f6v<span class=\"__10 _d_9\"/>erensst\u00e4mmelse i redovisningen. N\u00e4r<span class=\"__10 _469\"> </span>Nordea beviljar bol\u00e5n till kunder i enlighet med dansk lag-<span class=\"__10 _469\"> </span>stiftning om bostads\ufb01nansiering emitt<span class=\"__10 _471\"/>erar Nordea sam<span class=\"__10 _d_9\"/>tidigt<span class=\"__10 _469\"> </span>obligationer med matchande villk<span class=\"__10 _d_9\"/>or, s\u00e5 kallad ma<span class=\"__10 _d_9\"/>tchad \ufb01nan-<span class=\"__10 _469\"> </span>siering. Kunderna kan \u00e5t<span class=\"__10 _471\"/>erbetala sina l\u00e5n genom att an<span class=\"__10 _471\"/>tingen<span class=\"__10 _469\"> </span>\u00e5terbetala sk<span class=\"__10 _471\"/>uldbeloppet eller k\u00f6pa de emitter<span class=\"__10 _471\"/>ade obligatio-<span class=\"__10 _469\"> </span>nerna och \u00e5terl\u00e4mna dessa till Nor<span class=\"__10 _471\"/>dea som reglering a<span class=\"__10 _d_9\"/>v for-<span class=\"__10 _469\"> </span>dran. Obligationerna \u00e4r en vik<span class=\"__10 _d_9\"/>tig komponent p\u00e5 den danska<span class=\"__10 _469\"> </span>penningmarknaden och Nordea k\u00f6per och s\u00e4ljer f<span class=\"__10 _d_9\"/>\u00f6ljaktligen<span class=\"__10 _469\"> </span>egna obligationer p\u00e5 marknaden. L\u00e5nen v<span class=\"__10 _471\"/>\u00e4rderas till v<span class=\"__10 _471\"/>erkligt<span class=\"__10 _469\"> </span>v\u00e4rde via r<span class=\"__10 _471\"/>esultatr<span class=\"__10 _d_9\"/>\u00e4kningen eftersom de inte uppfyller SPPI-<span class=\"__10 _469\"> </span>kriteriet, och om obligationerna v\u00e4rder<span class=\"__10 _471\"/>ades till upplupet<span class=\"__10 _469\"> </span><span class=\"__10 _469\">anskaffningsv</span><span class=\"__10 _471\"/>\u00e4rde skulle detta ge uppho<span class=\"__10 _d_9\"/>v till bristande \u00f6ver-<span class=\"__10 _469\"> </span>ensst\u00e4mmelse i redo<span class=\"__10 _d_9\"/>visningen. F\u00f6r att undvika detta v\u00e4r<span class=\"__10 _d_9\"/>derar<span class=\"__10 _469\"> </span>Nordea obligationerna till v<span class=\"__10 _471\"/>erkligt v\u00e4rde, med alla f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndring-<span class=\"__10 _469\"> </span>ar i verkligt v\u00e4r<span class=\"__10 _471\"/>de, inklusive f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i kreditrisk, redovi-<span class=\"__10 _469\"> </span>sade i resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen. F\u00f6r\u00e4ndring i verkligt v<span class=\"__10 _d_9\"/>\u00e4rde till f\u00f6ljd<span class=\"__10 _469\"> </span>av f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i egen kreditrisk p\u00e5 hypot<span class=\"__10 _471\"/>eksobligationer<span class=\"__10 _469\"> </span>emitterade a<span class=\"__10 _d_9\"/>v <span class=\"ws0_10\">Nordea</span> Kredit Realkreditak<span class=\"__10 _d_9\"/>tiesel <span class=\"__10 _2f_4\"/>skab, ber\u00e4knas<span class=\"__10 _469\"> </span>genom att f<span class=\"__10 _471\"/>astst\u00e4lla den beloppsm\u00e4ssiga f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringen i verk<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>ligt v\u00e4rde som in<span class=\"__10 _d_9\"/>te \u00e4r h\u00e4nf\u00f6rlig till marknadsf<span class=\"__10 _d_9\"/>\u00f6rh\u00e5llanden.<span class=\"__10 _469\"> </span>Den metod som anv<span class=\"__10 _471\"/>\u00e4nds f\u00f6r a<span class=\"__10 _d_9\"/>tt fastst\u00e4lla den beloppsm\u00e4s-<span class=\"__10 _469\"> </span>siga f\u00f6r<span class=\"__10 _471\"/>\u00e4ndringen i marknadsf\u00f6rh\u00e5llanden \u00e4r bas<span class=\"__10 _471\"/>erad p\u00e5 rele-<span class=\"__10 _469\"> </span>van<span class=\"__10 _471\"/>ta j\u00e4mf<span class=\"__10 _d_9\"/>\u00f6relser\u00e4ntor<span class=\"__10 _479\"/>, vilket \u00e4r den genomsnittliga avkas<span class=\"__10 _471\"/>t-<span class=\"__10 _469\"> </span>ningen p\u00e5 danska och tyska (euro<span class=\"__10 _d_9\"/>) statsobligationer<span class=\"__10 _479\"/>. Denna<span class=\"__10 _469\"> </span>modell bed\u00f6ms generera den b\u00e4s<span class=\"__10 _471\"/>ta uppskattningen a<span class=\"__10 _d_9\"/>v den<span class=\"__10 _469\"> </span>egna kreditriskens p\u00e5<span class=\"__10 _d_9\"/>verkan. F\u00f6r\u00e4ndringen i egen kr<span class=\"__10 _d_9\"/>editrisk<span class=\"__10 _469\"> </span>p\u00e5 emitterade hypo<span class=\"__10 _d_9\"/>teksobligationer i Nordea Kredit Realkr<span class=\"__10 _d_9\"/>e-<span class=\"__10 _469\"> </span>ditakties<span class=\"__10 _471\"/>elskab redovisas in<span class=\"__10 _d_9\"/>te i \u00f6vrigt totalresul<span class=\"__10 _d_9\"/>tat (OCI) efter-<span class=\"__10 _469\"> </span>som det redovisningsm\u00e4ssigt sk<span class=\"__10 _471\"/>ulle avvik<span class=\"__10 _471\"/>a fr\u00e5n den mo<span class=\"__10 _d_9\"/>tsva-<span class=\"__10 _469\"> </span>rande f<span class=\"__10 _471\"/>\u00f6r\u00e4ndringen i verkligt v<span class=\"__10 _d_9\"/>\u00e4rde p\u00e5 hypoteksl\u00e5nen som<span class=\"__10 _469\"> </span>redovisas i re<span class=\"__10 _471\"/>sultatr<span class=\"__10 _d_9\"/>\u00e4kningen.<span class=\"__10 _469\"> </span>Nordea till\u00e4mpar ocks\u00e5 verkligt v<span class=\"__10 _471\"/>\u00e4rde-optionen p\u00e5 struk<span class=\"__10 _d_9\"/>tu-<span class=\"__10 _469\"> </span>rerade obliga<span class=\"__10 _471\"/>tioner emitterade a<span class=\"__10 _d_9\"/>v Markets, till ett v\u00e4rde a<span class=\"__10 _d_9\"/>v<span class=\"__10 _469\"> </span>1 371 mn euro (1 568 mn euro<span class=\"__10 _471\"/>), eftersom dessa hybridinstru-<span class=\"__10 _469\"> </span>ment, s\u00e5som index<span class=\"__10 _d_9\"/>obligationer<span class=\"__10 _d_9\"/>, inneh\u00e5ller inb\u00e4ddade derivat<span class=\"__10 _469\"> </span>som inte \u00e4r n\u00e4r<span class=\"__10 _d_9\"/>a f\u00f6rknippade med v\u00e4rda<span class=\"__10 _d_9\"/>vtalet<span class=\"__10 _c_9\"/>. V<span class=\"__10 _d_9\"/>\u00e4rdavtalet<span class=\"__10 _469\"> </span>och det inb\u00e4ddade derivat<span class=\"__10 _471\"/>et v\u00e4rder<span class=\"__10 _471\"/>as till verkligt v\u00e4r<span class=\"__10 _471\"/>de via<span class=\"__10 _469\"> </span>resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen och redovisas under \u201dEmitterade v<span class=\"__10 _471\"/>\u00e4rde-<span class=\"__10 _469\"> </span>papper<span class=\"__10 _c_9\"/>\u201d i balansr\u00e4kningen.  F\u00f6r<span class=\"__10 _471\"/>\u00e4ndringen i verkligt v\u00e4r<span class=\"__10 _471\"/>de p\u00e5<span class=\"__10 _469\"> </span>dessa emitterade s<span class=\"__10 _471\"/>truktur<span class=\"__10 _471\"/>erade obligationer r<span class=\"__10 _471\"/>edovisas i resul<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>tatr\u00e4kningen under \u201dNett<span class=\"__10 _471\"/>oresulta<span class=\"__10 _d_9\"/>t av poster till verkligt<span class=\"__10 _469\"> </span>v\u00e4rde\u201d<span class=\"__10 _479\"/>, med undantag f<span class=\"__10 _d_9\"/>\u00f6r f\u00f6r\u00e4ndringar i den egna kreditris-<span class=\"__10 _469\"> </span>ken som redo<span class=\"__10 _471\"/>visas i \u00f6vrigt tot<span class=\"__10 _471\"/>alresulta<span class=\"__10 _d_9\"/>t<span class=\"__10 _c_9\"/>. Nordea ber\u00e4knar f<span class=\"__10 _471\"/>\u00f6r-<span class=\"__10 _469\"> </span>\u00e4ndringen i den egna kreditrisken som f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringen i den<span class=\"__10 _469\"> </span>samlade riskpremien p\u00e5 egen uppl\u00e5ning, under ant<span class=\"__10 _471\"/>agandet<span class=\"__10 _469\"> </span>att likviditetspremien f<span class=\"__10 _d_9\"/>\u00f6r alla emissioner \u00e4r konstant \u00f6<span class=\"__10 _d_9\"/>ver tid.<span class=\"__10 _469\"> </span>F\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndring i riskpremien uppskattas genom att j\u00e4mf<span class=\"__10 _d_9\"/>\u00f6ra v\u00e4r-<span class=\"__10 _469\"> </span><span class=\"__10 _469\">det p\u00e5 aff\u00e4r</span><span class=\"__10 _d_9\"/>erna med hj\u00e4lp av den ursprungliga riskpremien<span class=\"__10 _469\"> </span>f\u00f6r uppl\u00e5ning vid emissions<span class=\"__10 _471\"/>tidpunkten och den v<span class=\"__10 _d_9\"/>erkliga risk-<span class=\"__10 _469\"> </span>premien f<span class=\"__10 _471\"/>\u00f6r uppl\u00e5ning vid rapporteringstidpunk<span class=\"__10 _d_9\"/>ten. Denna<span class=\"__10 _469\"> </span>modell bed\u00f6ms generera den b\u00e4s<span class=\"__10 _471\"/>ta uppskattningen a<span class=\"__10 _d_9\"/>v den<span class=\"__10 _469\"> </span>egna kreditriskens p\u00e5<span class=\"__10 _d_9\"/>verkan.<span class=\"__10 _469\"> </span>\u00c4<span class=\"__10 _d_9\"/>ven inl\u00e5ningen i placeringsportf\u00f6ljer och f<span class=\"__10 _471\"/>ondf\u00f6rs\u00e4krings-<span class=\"__10 _469\"> </span>avtal till ett v<span class=\"__10 _d_9\"/>\u00e4rde av 42 776 mn euro (<span class=\"__10 _471\"/>48 201 mn euro), var<span class=\"__10 _d_9\"/>av<span class=\"__10 _469\"> </span>38 606 mn euro (<span class=\"__10 _d_9\"/>4<span class=\"__10 _c_9\"/>3 344 mn euro) a<span class=\"__10 _d_9\"/>vser Life &amp; Pension, v<span class=\"__10 _d_9\"/>\u00e4rde-<span class=\"__10 _469\"> </span>ras redan f<span class=\"__10 _471\"/>r\u00e5n b\u00f6rjan till verkligt v<span class=\"__10 _471\"/>\u00e4rde via resul<span class=\"__10 _471\"/>tatr\u00e4kningen<span class=\"__10 _469\"> </span>eftersom inl\u00e5ningen f\u00f6rval<span class=\"__10 _471\"/>tas till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de. V\u00e4rdet p\u00e5<span class=\"__10 _469\"> </span>denna inl\u00e5ning \u00e4r direkt k<span class=\"__10 _d_9\"/>opplad till det verkliga v\u00e4rdet p\u00e5<span class=\"__10 _469\"> </span>underliggande tillg\u00e5ngar<span class=\"__10 _d_9\"/>, och f\u00f6r\u00e4ndringar i den egna kr<span class=\"__10 _471\"/>edit-<span class=\"__10 _469\"> </span>risken medf<span class=\"__10 _471\"/>\u00f6r d\u00e4rmed inte n\u00e5gon nett<span class=\"__10 _471\"/><span class=\"__10 _469\">oeffek</span><span class=\"__10 _d_9\"/>t<span class=\"__10 _c_9\"/>.<span class=\"__10 _469\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsDesignatedAtFairValueThroughProfitOrLossExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-615": {
   "value": "Klassi\ufb01cering a<span class=\"__10 _d_9\"/>v \ufb01nansiella instrument<span class=\"__10 _469\"> </span>Tillg\u00e5ngar<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade<span class=\"__10 _469\"> </span> till verkligt v\u00e4rde via<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _471\"/>tr\u00e4kningen<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt<span class=\"__10 _469\"> </span> v\u00e4rde via<span class=\"__10 _469\"> </span> \u00f6vrigt<span class=\"__10 _469\"> </span> total-<span class=\"__10 _469\"> </span>resulta<span class=\"__10 _471\"/>t<span class=\"__10 _469\"> </span> Summ<span class=\"__10 _469\"> </span>a <span class=\"__10 _2b_4\"/> \ufb01nansiell<span class=\"__10 _469\"> </span>a  tillg\u00e5ngar<span class=\"__10 _500\"/>31 dec 2022, mn euro<span class=\"__10 _469\"> </span>Upplupet <span class=\"__10 _2b_4\"/> <span class=\"__10 _469\">anskaffnings-<span class=\"__10 _469\"> </span></span>v\u00e4rde <span class=\"__10 _501\"> </span>Obligatorisk<span class=\"__10 _471\"/>t<span class=\"__10 _469\"> </span>Fr\u00e5n b\u00f6rjan<span class=\"__10 _469\"> </span> v\u00e4rderade till<span class=\"__10 _469\"> </span> verkligt <span class=\"__10 _502\"> </span>v\u00e4rde  (verkligt v\u00e4rde-<span class=\"__10 _469\"> </span> optionen)<span class=\"__10 _469\"> </span>Kassa och tillgodoha<span class=\"__10 _471\"/>vanden hos cen<span class=\"__10 _471\"/>tralbanker<span class=\"__10 _469\"> </span>61 815<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _1f_6\"> </span>61 81<span class=\"__10 _469\"> </span>5<span class=\"__10 _469\"> </span>Utl\u00e5ning till centr<span class=\"__10 _471\"/>albanker <span class=\"__10 _506\"> </span>6<span class=\"__10 _507\"> </span>879<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _508\"> </span>885<span class=\"__10 _469\"> </span>Utl\u00e5ning till kreditinstitut<span class=\"__10 _509\"> </span>2 831<span class=\"__10 _505\"> </span><span class=\"lsd_8 ws13_9\">1<span class=\"__10 _1d_6\"/> 74<span class=\"__10 _1d_6\"/>2<span class=\"__10 _3a_5\"> </span></span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _483\"> </span><span class=\"ls4_9 ws7_9\">4 573<span class=\"__10 _469\"> </span></span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__10 _3b_4\"> </span>275 116<span class=\"__10 _508\"> </span>70 627<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _3c_4\"> </span>345 7<span class=\"__10 _d_9\"/>43<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/>ande v\u00e4rdepapper<span class=\"__10 _3d_4\"> </span>3 660<span class=\"__10 _3e_4\"> </span>21 417<span class=\"__10 _3f_4\"> </span>8 073<span class=\"__10 _510\"> </span>30 37<span class=\"__10 _d_9\"/>4<span class=\"__10 _2a_4\"> </span>63 5<span class=\"__10 _c_9\"/>24<span class=\"__10 _469\"> </span>Pan<span class=\"__10 _471\"/>tsatta \ufb01nansiella instrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _511\"> </span>\u2013<span class=\"__10 _512\"> </span>2 661<span class=\"__10 _513\"> </span>120<span class=\"__10 _514\"> </span>2 121<span class=\"__10 _515\"> </span>4 902<span class=\"__10 _469\"> </span>Aktier och andelar<span class=\"__10 _516\"> </span>\u2013<span class=\"__10 _498\"> </span>17 924<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _1f_6\"> </span>17 92<span class=\"__10 _471\"/>4<span class=\"__10 _469\"> </span>Tillg\u00e5ngar i placeringsportf\u00f6ljer och f<span class=\"__10 _471\"/>ondf\u00f6rs\u00e4kringsa<span class=\"__10 _471\"/>vtal<span class=\"__10 _517\"> </span>\u2013<span class=\"__10 _518\"> </span>40 289<span class=\"__10 _519\"> </span>666<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _4a_2\"> </span>40 955<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _4b_2\"> </span>\u2013<span class=\"__10 _496\"> </span>36 578<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _2a_4\"> </span>36 578<span class=\"__10 _469\"> </span>F\u00f6r\u00e4ndring a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde f\u00f6r r<span class=\"__10 _d_9\"/>\u00e4ntes\u00e4krade poster i s\u00e4kringsportf<span class=\"__10 _471\"/>\u00f6ljer<span class=\"__10 _4c_2\"> </span>-2 116<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _514\"> </span>-<span class=\"__10 _d_9\"/>2 116<span class=\"__10 _469\"> </span><span class=\"__10 _469\">\u00d6vriga tillg\u00e5ngar1</span><span class=\"__10 _4d_2\"> </span>2 261<span class=\"__10 _4e_2\"> </span>6 360<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _483\"> </span>8 621<span class=\"__10 _469\"> </span>F\u00f6rutbetalda k<span class=\"__10 _471\"/>ostnader och upplupna int<span class=\"__10 _471\"/>\u00e4kter<span class=\"__10 _469\"> </span>475<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _498\"> </span>47<span class=\"__10 _469\"> </span>5<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _4f_2\"> </span>344 048<span class=\"__10 _520\"> </span>198 477<span class=\"__10 _521\"> </span>8 859<span class=\"__10 _3c_4\"> </span>32 495<span class=\"__10 _522\"> </span>583 879<span class=\"__10 _469\"> </span>1) V<span class=\"__10 _d_9\"/>arav st\u00e4llda marginals\u00e4kerheter klassi\ufb01c<span class=\"__10 _471\"/>erade i kategorin Finansiella tillg\u00e5ngar v<span class=\"__10 _471\"/>\u00e4rderade till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de via resultatr\u00e4kningen obligatorisk<span class=\"__10 _471\"/>t 6 046 mn euro<span class=\"__10 _469\"> </span>.<span class=\"__10 _469\"> </span>Skulder<span class=\"__10 _469\"> </span>Finansiella skulder v\u00e4rderade till<span class=\"__10 _469\"> </span> verkligt v\u00e4rde via<span class=\"__10 _469\"> </span> resulta<span class=\"__10 _471\"/>tr\u00e4kningen<span class=\"__10 _469\"> </span>Summ<span class=\"__10 _469\"> </span>a<span class=\"__10 _469\"> </span> \ufb01nansiell<span class=\"__10 _469\"> </span>a<span class=\"__10 _469\"> </span> skulder<span class=\"__10 _500\"/>31 dec 2022, mn euro<span class=\"__10 _469\"> </span>Upplupet<span class=\"__10 _469\"> </span> <span class=\"__10 _469\">anskaffnings-<span class=\"__10 _469\"> </span></span>v\u00e4rde <span class=\"__10 _523\"> </span>Obligatoriska<span class=\"__10 _469\"> </span>Fr\u00e5n b\u00f6rjan <span class=\"__10 _2b_4\"/> v\u00e4rderade till<span class=\"__10 _469\"> </span> verkligt <span class=\"__10 _502\"> </span>v\u00e4rde  (verkligt v\u00e4rde-<span class=\"__10 _469\"> </span> optionen)<span class=\"__10 _469\"> </span>Skulder till kreditinstitut<span class=\"__10 _524\"> </span>22 423<span class=\"__10 _496\"> </span>10 446<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _4a_2\"> </span>32 869<span class=\"__10 _469\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__10 _525\"> </span>210 814<span class=\"__10 _4e_2\"> </span>6 650<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _3c_4\"> </span>217 464<span class=\"__10 _469\"> </span>Inl\u00e5ning i placeringsportf\u00f6ljer och f<span class=\"__10 _471\"/>ondf\u00f6rs\u00e4kringsa<span class=\"__10 _471\"/>vtal<span class=\"__10 _526\"> </span>\u2013<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _4e_2\"> </span><span class=\"ls4_9 ws7_9\">42<span class=\"__10 _c_9\"/> 776<span class=\"__10 _491\"> </span>4<span class=\"__10 _c_9\"/>2 7<span class=\"__10 _c_9\"/>76<span class=\"__10 _469\"> </span></span>Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper <span class=\"__10 _527\"> </span>128 488<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _505\"> </span>5<span class=\"__10 _d_9\"/>1 315<span class=\"__10 _3c_4\"> </span>179 803<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t <span class=\"__10 _528\"> </span>\u2013<span class=\"__10 _496\"> </span>40 102<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _491\"> </span>40 102<span class=\"__10 _469\"> </span>F\u00f6r\u00e4ndring a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde f\u00f6r r<span class=\"__10 _d_9\"/>\u00e4ntes\u00e4krade poster i s\u00e4kringsportf<span class=\"__10 _471\"/>\u00f6ljer<span class=\"__10 _529\"> </span>-2 175<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _5a_2\"> </span>-2 175<span class=\"__10 _469\"> </span><span class=\"__10 _469\">\u00d6vriga skulder1</span><span class=\"__10 _5b_2\"> </span>5 225<span class=\"__10 _498\"> </span>10 202<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _5c_2\"> </span>15 427<span class=\"__10 _469\"> </span>Upplupna kostnader och f<span class=\"__10 _d_9\"/>\u00f6rutbetalda int\u00e4kter<span class=\"__10 _5d_2\"> </span>7<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _5e_2\"> </span>7<span class=\"__10 _469\"> </span>Efterst\u00e4llda sk<span class=\"__10 _471\"/>ulder<span class=\"__10 _5f_2\"> </span>5 401<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _483\"> </span>5 401<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _530\"> </span>370 183<span class=\"__10 _518\"> </span>67 400<span class=\"__10 _3e_4\"> </span>94 091<span class=\"__10 _531\"> </span>531 67<span class=\"__10 _d_9\"/>4<span class=\"__10 _469\"> </span>1)  V<span class=\"__10 _471\"/>arav leasingsk<span class=\"__10 _471\"/>ulder klassi\ufb01cerade i kat<span class=\"__10 _471\"/><span class=\"__10 _469\">egorin Upplupet anskaffningsv\u00e4r</span><span class=\"__10 _471\"/>de 1 080 mn euro<span class=\"__10 _469\"> </span>Klassi\ufb01cering a<span class=\"__10 _d_9\"/>v \ufb01nansiella instrument<span class=\"__10 _469\"> </span>Tillg\u00e5ngar<span class=\"__10 _469\"> </span>31 dec 2021, mn euro<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar v\u00e4rderade <span class=\"__10 _2b_4\"/> till verkligt v\u00e4rde via<span class=\"__10 _469\"> </span>resulta<span class=\"__10 _471\"/>tr\u00e4kningen<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt<span class=\"__10 _469\"> </span>v\u00e4rde via<span class=\"__10 _469\"> </span>\u00f6vrigt<span class=\"__10 _469\"> </span>total-<span class=\"__10 _469\"> </span>resulta<span class=\"__10 _471\"/>t<span class=\"__10 _469\"> </span>Upplupet <span class=\"__10 _2b_4\"/> <span class=\"__10 _469\">anskaffnings-<span class=\"__10 _469\"> </span></span>v\u00e4rde <span class=\"__10 _523\"> </span>Obligatoriska<span class=\"__10 _469\"> </span>Fr\u00e5n b\u00f6rjan<span class=\"__10 _469\"> </span>v\u00e4rderade till<span class=\"__10 _469\"> </span>verkligt <span class=\"__10 _502\"> </span>v\u00e4rde  (verkligt<span class=\"__10 _469\"> </span>v\u00e4rde-<span class=\"__10 _469\"> </span>optionen)<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _469\"> </span>\ufb01nansiella<span class=\"__10 _469\"> </span>tillg\u00e5ngar<span class=\"__10 _469\"> </span>Kassa och tillgodoha<span class=\"__10 _471\"/>vanden hos cen<span class=\"__10 _471\"/>tralbanker<span class=\"__10 _469\"> </span>47 495<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _2a_4\"> </span>47 495<span class=\"__10 _469\"> </span>Utl\u00e5ning till centr<span class=\"__10 _471\"/>albanker <span class=\"__10 _532\"> </span>5<span class=\"__10 _5e_2\"> </span>404<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _496\"> </span>409<span class=\"__10 _469\"> </span>Utl\u00e5ning till kreditinstitut<span class=\"__10 _533\"> </span>1 791<span class=\"__10 _534\"> </span>192<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _483\"> </span>1 983<span class=\"__10 _469\"> </span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__10 _535\"> </span>269 87<span class=\"__10 _d_9\"/>4<span class=\"__10 _494\"> </span><span class=\"ls4_9 ws7_9\">7<span class=\"__10 _c_9\"/>5 176<span class=\"__10 _504\"> </span></span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _522\"> </span>345 050<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/>ande v\u00e4rdepapper<span class=\"__10 _3d_4\"> </span>3 448<span class=\"__10 _496\"> </span>21 880<span class=\"__10 _521\"> </span>4 083<span class=\"__10 _510\"> </span>33 972<span class=\"__10 _2a_4\"> </span>63 383<span class=\"__10 _469\"> </span>Pan<span class=\"__10 _471\"/>tsatta \ufb01nansiella instrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _511\"> </span>\u2013<span class=\"__10 _536\"> </span>1 668<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _483\"> </span>1 668<span class=\"__10 _469\"> </span>Aktier och andelar<span class=\"__10 _516\"> </span>\u2013<span class=\"__10 _537\"> </span>15 217<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _538\"> </span>15 217<span class=\"__10 _469\"> </span>Tillg\u00e5ngar i placeringsportf\u00f6ljer och f<span class=\"__10 _471\"/>ondf\u00f6rs\u00e4kringsa<span class=\"__10 _471\"/>vtal<span class=\"__10 _517\"> </span>\u2013<span class=\"__10 _518\"> </span>46 030<span class=\"__10 _519\"> </span>280<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _491\"> </span>46 310<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _4b_2\"> </span>\u2013<span class=\"__10 _518\"> </span>30 200<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _4a_2\"> </span>30 200<span class=\"__10 _469\"> </span>F\u00f6r\u00e4ndring a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde f\u00f6r r<span class=\"__10 _d_9\"/>\u00e4ntes\u00e4krade poster i s\u00e4kringsportf<span class=\"__10 _471\"/>\u00f6ljer<span class=\"__10 _539\"> </span>-65<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>-65<span class=\"__10 _469\"> </span><span class=\"__10 _469\">\u00d6vriga tillg\u00e5ngar1</span><span class=\"__10 _527\"> </span>829<span class=\"__10 _512\"> </span>7 265<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _5a_2\"> </span>8 094<span class=\"__10 _469\"> </span>F\u00f6rutbetalda k<span class=\"__10 _471\"/>ostnader och upplupna int<span class=\"__10 _471\"/>\u00e4kter<span class=\"__10 _469\"> </span>609<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _496\"> </span>609<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _6a_2\"> </span>323 986<span class=\"__10 _520\"> </span>198 032<span class=\"__10 _521\"> </span>4 363<span class=\"__10 _6b_2\"> </span>33 972<span class=\"__10 _6c_2\"> </span>560 353<span class=\"__10 _469\"> </span>1) V<span class=\"__10 _d_9\"/>arav st\u00e4llda marginals\u00e4kerheter klassi\ufb01c<span class=\"__10 _471\"/>erade i kategorin Finansiella tillg\u00e5ngar v<span class=\"__10 _471\"/>\u00e4rderade till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de via resultatr\u00e4kningen obligatorisk<span class=\"__10 _471\"/>t 6 578 mn euro.<span class=\"__10 _469\"> </span><span class=\"__10 _469\">Skulder1<span class=\"__10 _469\"> </span></span>31 dec 2021, mn euro<span class=\"__10 _469\"> </span>Finansiella skulder v\u00e4rderade till verkligt v\u00e4rde via<span class=\"__10 _469\"> </span>resulta<span class=\"__10 _471\"/>tr\u00e4kningen<span class=\"__10 _469\"> </span>Upplupet<span class=\"__10 _469\"> </span><span class=\"__10 _469\">anskaffnings-<span class=\"__10 _469\"> </span></span>v\u00e4rde <span class=\"__10 _523\"> </span>Obligatoriska<span class=\"__10 _469\"> </span>Fr\u00e5n b\u00f6rjan <span class=\"__10 _2b_4\"/> v\u00e4rderade till <span class=\"__10 _2b_4\"/> verkligt v\u00e4rde<span class=\"__10 _469\"> </span>(verkligt v\u00e4rde<span class=\"__10 _469\"> </span>-optionen)<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _469\"> </span>\ufb01nansiella<span class=\"__10 _469\"> </span>tillg\u00e5ngar<span class=\"__10 _469\"> </span>Skulder till kreditinstitut<span class=\"__10 _6d_2\"> </span>23 646<span class=\"__10 _505\"> </span>3 315<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _491\"> </span>26,961<span class=\"__10 _469\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__10 _6e_2\"> </span>203 162<span class=\"__10 _536\"> </span>2 639<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>205,801<span class=\"__10 _469\"> </span>Inl\u00e5ning i placeringsportf\u00f6ljer och f<span class=\"__10 _471\"/>ondf\u00f6rs\u00e4kringsa<span class=\"__10 _471\"/>vtal<span class=\"__10 _526\"> </span>\u2013<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>48 201<span class=\"__10 _2a_4\"> </span><span class=\"lse_8 ws14_9\">48,201<span class=\"__10 _469\"> </span></span>Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper <span class=\"__10 _540\"> </span>118 358<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _537\"> </span>58 007<span class=\"__10 _531\"> </span>176 365<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t <span class=\"__10 _528\"> </span>\u2013<span class=\"__10 _508\"> </span>31 485<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _491\"> </span>31 485<span class=\"__10 _469\"> </span>F\u00f6r\u00e4ndring a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde f\u00f6r r<span class=\"__10 _d_9\"/>\u00e4ntes\u00e4krade poster i s\u00e4kringsportf<span class=\"__10 _471\"/>\u00f6ljer<span class=\"__10 _f_9\"> </span>101<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>101<span class=\"__10 _469\"> </span><span class=\"__10 _469\">\u00d6vriga skulder2</span><span class=\"__10 _541\"> </span>4 307<span class=\"__10 _494\"> </span>11 87<span class=\"__10 _c_9\"/>3<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _5c_2\"> </span>16 180<span class=\"__10 _469\"> </span>Upplupna kostnader och f<span class=\"__10 _d_9\"/>\u00f6rutbetalda int\u00e4kter<span class=\"__10 _542\"> </span>8<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _485\"> </span>8<span class=\"__10 _469\"> </span>Efterst\u00e4llda sk<span class=\"__10 _471\"/>ulder<span class=\"__10 _543\"> </span>6 850<span class=\"__10 _503\"> </span>\u2013<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _514\"> </span>6 850<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _544\"> </span>356 432<span class=\"__10 _508\"> </span>49 312<span class=\"__10 _545\"> </span>106 208<span class=\"__10 _6b_2\"> </span>511 952<span class=\"__10 _469\"> </span>1)  Skulder till f\u00f6rs\u00e4kringstagare har under 2022 klassi\ufb01c<span class=\"__10 _471\"/>erats som f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s\u00e4kringsavtal och ing\u00e5r in<span class=\"__10 _471\"/>te i upplysningarna ov<span class=\"__10 _471\"/>an. J\u00e4mf\u00f6r<span class=\"__10 _471\"/><span class=\"__10 _469\">elsesiffrorna har r\u00e4kna</span><span class=\"__10 _d_9\"/>ts om.<span class=\"__10 _469\"> </span>2)  V<span class=\"__10 _471\"/>arav leasingsk<span class=\"__10 _471\"/>ulder klassi\ufb01cerade i kat<span class=\"__10 _471\"/><span class=\"__10 _469\">egorin Upplupet anskaffningsv\u00e4r</span><span class=\"__10 _471\"/>de 1 147 mn euro<span class=\"__10 _469\"> </span>.<span class=\"__10 _469\"> </span>K3.7 Utl\u00e5ning<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>L\u00e5n \u00e4r \ufb01nansiella instrumen<span class=\"__11 _617\"/>t med fas<span class=\"__11 _617\"/>ta eller f<span class=\"__11 _617\"/>astst\u00e4llbar<span class=\"__11 _617\"/>a<span class=\"__11 _624\"> </span> betalningar som int<span class=\"__11 _617\"/>e enkelt kan \u00f6<span class=\"__11 _617\"/>verf\u00f6r<span class=\"__11 _617\"/>as utan g\u00e4lden\u00e4rens<span class=\"__11 _624\"> </span> medgivande. L\u00e5n klassi\ufb01cer<span class=\"__11 _617\"/>as och v\u00e4rder<span class=\"__11 _617\"/>as i enlighet med<span class=\"__11 _624\"> </span> beskrivningen i not K3.3 \u201dKlassi\ufb01cering och v<span class=\"__11 _617\"/>\u00e4rdering\u201d<span class=\"__11 _625\"/>. Nedan<span class=\"__11 _624\"> </span> f\u00f6ljer Nor<span class=\"__11 _617\"/>deas redovisningsprinciper g\u00e4llande kreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span> Mer inf<span class=\"__11 _617\"/>ormation om kreditrisk i utl\u00e5ningen \ufb01nns i no<span class=\"__11 _617\"/>t K11<span class=\"__11 _624\"> </span> \u201dRisk- och likviditetshan<span class=\"__11 _617\"/>tering\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Finansiella instrument s<span class=\"__11 _617\"/>om klassi\ufb01cera<span class=\"__11 _617\"/>ts i kategorin \u201dUpp-<span class=\"__11 _624\"> </span><span class=\"__11 _624\">lupet anskaffningsv</span><span class=\"__11 _617\"/>\u00e4rde\u201d eller \u201dV<span class=\"__11 _625\"/>erkligt v\u00e4rde via \u00f6vrigt tot<span class=\"__11 _617\"/>al-<span class=\"__11 _624\"> </span>resulta<span class=\"__11 _617\"/>t\u201d omfattas a<span class=\"__11 _617\"/>v pr<span class=\"__11 _617\"/>\u00f6vning a<span class=\"__11 _617\"/>v nedskrivningsbehov till<span class=\"__11 _624\"> </span> f\u00f6ljd a<span class=\"__11 _617\"/>v kreditrisk. H\u00e4r ing\u00e5r tillg\u00e5ngar som i balansr<span class=\"__11 _617\"/>\u00e4kningen<span class=\"__11 _624\"> </span> redovisa<span class=\"__11 _617\"/>ts som \u201dUtl\u00e5ning till centr<span class=\"__11 _617\"/>albanker<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>, \u201dUtl\u00e5ning till kre-<span class=\"__11 _624\"> </span>ditinstitut\u201d<span class=\"__11 _625\"/>, \u201dUtl\u00e5ning till allm\u00e4nheten\u201d samt \u201dR\u00e4nteb\u00e4r<span class=\"__11 _617\"/>ande<span class=\"__11 _624\"> </span> v\u00e4rdepapper\u201d<span class=\"__11 _617\"/>. I utl\u00e5ning till allm\u00e4nheten ing\u00e5r \ufb01nansiell lea<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>sing, som ocks\u00e5 omf<span class=\"__11 _617\"/>attas a<span class=\"__11 _617\"/>v pr\u00f6<span class=\"__11 _617\"/>vning a<span class=\"__11 _617\"/>v nedskrivningsbehov<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span> Bland dessa balansposter \ufb01nns \u00e4<span class=\"__11 _617\"/>ven tillg\u00e5ngar s<span class=\"__11 _617\"/>om klassi\ufb01-<span class=\"__11 _624\"> </span>cera<span class=\"__11 _617\"/>ts i kategorin \u201dV<span class=\"__11 _625\"/>erkligt v\u00e4rde via resulta<span class=\"__11 _617\"/>tr\u00e4kningen\u201d och<span class=\"__11 _624\"> </span> som inte om<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>attas a<span class=\"__11 _617\"/>v n\u00e5gon pr\u00f6<span class=\"__11 _617\"/>vning av nedskrivningsbeho-<span class=\"__11 _624\"> </span>vet. Se \u00e4ven no<span class=\"__11 _617\"/>t K3.3 \u201dKlassi\ufb01cering och v\u00e4r<span class=\"__11 _617\"/>dering\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>\u00c4<span class=\"__11 _617\"/>ven \u00e5<span class=\"__11 _617\"/>taganden utan<span class=\"__11 _617\"/>f\u00f6r balansr<span class=\"__11 _617\"/>\u00e4kningen, even<span class=\"__11 _617\"/>tualf\u00f6rplik<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>telser och kredit\u00e5<span class=\"__11 _617\"/>taganden ska pr\u00f6<span class=\"__11 _617\"/>vas f<span class=\"__11 _617\"/>\u00f6r<span class=\"__11 _624\"> </span> nedskrivningsbehov<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Redovisning och pr<span class=\"__11 _617\"/>esent<span class=\"__11 _617\"/>ation<span class=\"__11 _624\"> </span>Tillg\u00e5ngar v\u00e4rder<span class=\"__11 _617\"/><span class=\"__11 _624\">ade till upplupet anskaff</span><span class=\"__11 _617\"/>ningsv\u00e4rde r<span class=\"__11 _617\"/>edovi-<span class=\"__11 _624\"> </span>sas brutto, med en separ<span class=\"__11 _617\"/>at reservering f<span class=\"__11 _617\"/>\u00f6r f<span class=\"__11 _617\"/>\u00f6rv\u00e4ntade kr<span class=\"__11 _617\"/>edit-<span class=\"__11 _624\"> </span>f\u00f6rlus<span class=\"__11 _617\"/>ter om f<span class=\"__11 _617\"/>\u00f6rlust<span class=\"__11 _617\"/>en inte betr<span class=\"__11 _617\"/>akt<span class=\"__11 _617\"/>as som de\ufb01nitiv<span class=\"__11 _625\"/>. Reserverna<span class=\"__11 _624\"> </span> kvittas mot utl\u00e5ningen i balansr\u00e4kningen, men pr<span class=\"__11 _617\"/>esen<span class=\"__11 _617\"/>teras<span class=\"__11 _624\"> </span> separat i denna no<span class=\"__11 _617\"/>t. F\u00f6r\u00e4ndringar a<span class=\"__11 _617\"/>v res<span class=\"__11 _617\"/>erveringar redovisas i<span class=\"__11 _624\"> </span> resulta<span class=\"__11 _617\"/>tr\u00e4kningen och klassi\ufb01cer<span class=\"__11 _617\"/>as som \u201dKreditf<span class=\"__11 _617\"/>\u00f6rlust<span class=\"__11 _617\"/>er<span class=\"__11 _625\"/>,<span class=\"__11 _624\"> </span> netto\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Om nedskrivningen anses var<span class=\"__11 _617\"/>a de\ufb01nitiv redovisas den som<span class=\"__11 _624\"> </span> en konsta<span class=\"__11 _617\"/>terad kr<span class=\"__11 _617\"/>editf\u00f6rlus<span class=\"__11 _617\"/>t, och det redovisade v\u00e4rdet p\u00e5<span class=\"__11 _624\"> </span> l\u00e5net j\u00e4mte tillh\u00f6r<span class=\"__11 _617\"/>ande reservering f<span class=\"__11 _617\"/>\u00f6r kreditf<span class=\"__11 _617\"/>\u00f6rlust<span class=\"__11 _617\"/>er tas bort<span class=\"__11 _624\"> </span> fr\u00e5n balansr<span class=\"__11 _617\"/>\u00e4kningen. En nedskrivning anses var<span class=\"__11 _617\"/>a de\ufb01nitiv<span class=\"__11 _624\"> </span> n\u00e4r konkursans\u00f6kan inges mo<span class=\"__11 _617\"/>t l\u00e5ntagar<span class=\"__11 _617\"/>en och konkursf<span class=\"__11 _617\"/>\u00f6rval-<span class=\"__11 _624\"> </span>taren har presen<span class=\"__11 _617\"/>ter<span class=\"__11 _617\"/>at den ekonomiska ut<span class=\"__11 _617\"/>g\u00e5ngen av k<span class=\"__11 _617\"/>onkurs-<span class=\"__11 _624\"> </span>f\u00f6rf<span class=\"__11 _617\"/>arandet, eller n\u00e4r Nordea eftersk\u00e4nker sina f<span class=\"__11 _617\"/>ordringar<span class=\"__11 _624\"> </span> genom rekonstruk<span class=\"__11 _617\"/>tion p\u00e5 an<span class=\"__11 _617\"/>tingen r\u00e4ttslig eller f<span class=\"__11 _617\"/>rivillig grund<span class=\"__11 _624\"> </span> eller n\u00e4r Nordea a<span class=\"__11 _617\"/>v andra sk\u00e4l bed\u00f6mer \u00e5<span class=\"__11 _617\"/>tervinning av f<span class=\"__11 _617\"/>or-<span class=\"__11 _624\"> </span>dran som osannolik. Se \u00e4<span class=\"__11 _617\"/>ven a<span class=\"__11 _617\"/>vsnittet \u201d<span class=\"__11 _625\"/>A<span class=\"__11 _625\"/>vskrivningar<span class=\"__11 _626\"/>\u201d nedan.<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vs\u00e4ttningar f<span class=\"__11 _617\"/>\u00f6r pos<span class=\"__11 _617\"/>ter utanf<span class=\"__11 _617\"/>\u00f6r balansr<span class=\"__11 _617\"/>\u00e4kningen klassi\ufb01ce-<span class=\"__11 _624\"> </span>ras som \u201d<span class=\"__11 _625\"/>A<span class=\"__11 _625\"/>vs\u00e4ttningar<span class=\"__11 _626\"/>\u201d i balansr\u00e4kningen, med f\u00f6r<span class=\"__11 _617\"/>\u00e4ndringar i<span class=\"__11 _624\"> </span> avs\u00e4<span class=\"__11 _617\"/>ttningar klassi\ufb01cerade som \u201dKr<span class=\"__11 _617\"/>editf\u00f6rl<span class=\"__11 _617\"/>uster<span class=\"__11 _625\"/>, netto\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Tillg\u00e5ngar klassi\ufb01cerade som \u201dV<span class=\"__11 _625\"/>erkligt v\u00e4rde via \u00f6vrigt<span class=\"__11 _624\"> </span> totalr<span class=\"__11 _617\"/>esultat\u201d redovisas till verkligt v<span class=\"__11 _617\"/>\u00e4rde i balansr<span class=\"__11 _617\"/>\u00e4kningen.<span class=\"__11 _624\"> </span> Nedskrivningar ber\u00e4knade i enlighet med IFRS 9 redo<span class=\"__11 _617\"/>visas i<span class=\"__11 _624\"> </span> resulta<span class=\"__11 _617\"/>tr\u00e4kningen och klassi\ufb01cer<span class=\"__11 _617\"/>as som \u201dKreditf<span class=\"__11 _617\"/>\u00f6rlust<span class=\"__11 _617\"/>er<span class=\"__11 _625\"/>,<span class=\"__11 _624\"> </span> netto\u201d<span class=\"__11 _625\"/>. Ev<span class=\"__11 _617\"/>entuella jus<span class=\"__11 _617\"/>teringar till verkligt v<span class=\"__11 _617\"/>\u00e4rde redo<span class=\"__11 _617\"/>visas i<span class=\"__11 _624\"> </span> \u201d\u00d6vrigt totalr<span class=\"__11 _617\"/>esultat\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span> Pr\u00f6vning a<span class=\"__11 _617\"/>v nedskrivningsbehov<span class=\"__11 _624\"> </span> Nordea klassi\ufb01cerar alla l\u00e5ne<span class=\"__11 _617\"/>for<span class=\"__11 _617\"/>dringar i olika kategorier p\u00e5<span class=\"__11 _624\"> </span> individuell basis. Kat<span class=\"__11 _617\"/>egori 1 inkluderar tillg\u00e5ngar utan bety-<span class=\"__11 _624\"> </span>dande \u00f6kning av kr<span class=\"__11 _617\"/>editrisken sedan f<span class=\"__11 _617\"/>\u00f6rsta redo<span class=\"__11 _617\"/>visningstillf<span class=\"__11 _617\"/>\u00e4l-<span class=\"__11 _624\"> </span>let, kategori 2 inkluderar tillg\u00e5ngar med bety<span class=\"__11 _617\"/>dande \u00f6kning av<span class=\"__11 _624\"> </span> kreditrisken och ka<span class=\"__11 _617\"/>tegori 3 (os\u00e4kr<span class=\"__11 _617\"/>a l\u00e5nefor<span class=\"__11 _617\"/>dringar) inkluderar<span class=\"__11 _624\"> </span> faller<span class=\"__11 _617\"/>ade tillg\u00e5ngar<span class=\"__11 _625\"/>. Nordea f\u00f6ljer upp om det \ufb01nns indikatio-<span class=\"__11 _624\"> </span>ner p\u00e5 kreditf<span class=\"__11 _617\"/>\u00f6rs\u00e4mring (kategori 3) genom att iden<span class=\"__11 _617\"/>ti\ufb01era<span class=\"__11 _624\"> </span> h\u00e4ndelser med negativ inv<span class=\"__11 _617\"/>erkan p\u00e5 ber\u00e4knade f<span class=\"__11 _617\"/>ramtida k<span class=\"__11 _617\"/>as-<span class=\"__11 _624\"> </span>safl\u00f6den (f<span class=\"__11 _617\"/>\u00f6rlusth\u00e4ndelse<span class=\"__11 _617\"/>). Nordea till\u00e4mpar samma de\ufb01ni-<span class=\"__11 _624\"> </span>tion p\u00e5 fallissemang som i k<span class=\"__11 _617\"/>apitalt\u00e4ckningsf<span class=\"__11 _617\"/>\u00f6rordningen. Mer<span class=\"__11 _624\"> </span> inf<span class=\"__11 _617\"/>ormation om iden<span class=\"__11 _617\"/>ti\ufb01ering a<span class=\"__11 _617\"/>v f\u00f6rlus<span class=\"__11 _617\"/>th\u00e4ndelser \ufb01nns i not<span class=\"__11 _624\"> </span> K11 \u201dRisk- och likviditetshan<span class=\"__11 _617\"/>tering\u201d<span class=\"__11 _625\"/>. L\u00e5nef<span class=\"__11 _617\"/>ordringar som in<span class=\"__11 _617\"/>te<span class=\"__11 _624\"> </span> har individuellt ber\u00e4knade re<span class=\"__11 _617\"/>server ing\u00e5r i pr\u00f6vningen a<span class=\"__11 _617\"/>v<span class=\"__11 _624\"> </span> nedskrivningsbehovet baser<span class=\"__11 _617\"/>at p\u00e5 st<span class=\"__11 _617\"/>atistiska modeller<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>F\u00f6r l\u00e5nef<span class=\"__11 _617\"/>ordringar med bety<span class=\"__11 _617\"/>dande v\u00e4rde d\u00e4r en kr<span class=\"__11 _617\"/>edith\u00e4n<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>delse har identi\ufb01er<span class=\"__11 _617\"/>ats, pr\u00f6<span class=\"__11 _617\"/>vas nedskrivningsbehov<span class=\"__11 _617\"/>et p\u00e5 indivi<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>duell basis. Om l\u00e5nefor<span class=\"__11 _617\"/>dringen bed\u00f6ms vara os\u00e4k<span class=\"__11 _617\"/>er g\u00f6rs en<span class=\"__11 _624\"> </span> individuell reservering. Det redo<span class=\"__11 _617\"/>visade v\u00e4rdet p\u00e5 l\u00e5nef<span class=\"__11 _617\"/>ordring<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>en j\u00e4mf<span class=\"__11 _617\"/>\u00f6rs med den nuv\u00e4rdesber<span class=\"__11 _617\"/>\u00e4knade summan av f<span class=\"__11 _617\"/>\u00f6rv\u00e4n<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>tade fram<span class=\"__11 _617\"/>tida kassafl\u00f6den. Om det r<span class=\"__11 _617\"/>edovisade v\u00e4r<span class=\"__11 _617\"/>det \u00e4r h\u00f6gre<span class=\"__11 _624\"> </span> redovisas skillnaden som en nedskrivningsf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>t. De f\u00f6rv\u00e4n<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>tade kassafl\u00f6dena diskon<span class=\"__11 _617\"/>ter<span class=\"__11 _617\"/><span class=\"__11 _624\">as med den ursprungliga effek</span><span class=\"__11 _617\"/>tiva<span class=\"__11 _624\"> </span> r\u00e4n<span class=\"__11 _617\"/>tan och innefa<span class=\"__11 _617\"/>ttar verkligt v<span class=\"__11 _617\"/>\u00e4rde f<span class=\"__11 _617\"/>\u00f6r s\u00e4kerheter och andra<span class=\"__11 _624\"> </span> kreditf<span class=\"__11 _617\"/>\u00f6rst\u00e4rkningar<span class=\"__11 _625\"/>. Nuv\u00e4rdesber\u00e4kningen baser<span class=\"__11 _617\"/>as p\u00e5 tre<span class=\"__11 _624\"> </span> olika fram\u00e5<span class=\"__11 _617\"/>tblickande scenarier som \u00e4r sannolikhetsvik<span class=\"__11 _617\"/>tade.<span class=\"__11 _624\"> </span>F\u00f6r l\u00e5nef<span class=\"__11 _617\"/>ordringar som in<span class=\"__11 _617\"/>te \u00e4r bety<span class=\"__11 _617\"/>dande d\u00e4r ett individu-<span class=\"__11 _624\"> </span>ellt nedskrivningsbehov har iden<span class=\"__11 _617\"/>ti\ufb01erats, ber<span class=\"__11 _617\"/>\u00e4knas nedskriv-<span class=\"__11 _624\"> </span>ningsbeloppet utifr\u00e5n den modell som be<span class=\"__11 _617\"/>skrivs nedan, men<span class=\"__11 _624\"> </span> med h\u00e4nsyn till att l\u00e5nef<span class=\"__11 _617\"/>ordringarna redan \u00e4r f<span class=\"__11 _617\"/>allerade.<span class=\"__11 _624\"> </span>Nordea anv<span class=\"__11 _617\"/>\u00e4nder sig inte a<span class=\"__11 _617\"/>v undan<span class=\"__11 _617\"/>taget \u201dl\u00e5g kreditrisk\u201d i<span class=\"__11 _624\"> </span> bankverksamheten, men d\u00e4remo<span class=\"__11 _617\"/>t f\u00f6r en mindr<span class=\"__11 _617\"/>e portf\u00f6lj a<span class=\"__11 _617\"/>v<span class=\"__11 _624\"> </span> r\u00e4n<span class=\"__11 _617\"/>teb\u00e4rande v<span class=\"__11 _617\"/>\u00e4rdepapper i f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsr\u00f6relsen.<span class=\"__11 _624\"> </span> Pr\u00f6vning a<span class=\"__11 _617\"/>v nedskrivningsbehov f<span class=\"__11 _625\"/>\u00f6r l\u00e5n<span class=\"__11 _624\"> </span> v\u00e4rder<span class=\"__11 _617\"/>ade enligt statis<span class=\"__11 _617\"/>tiska modeller<span class=\"__11 _624\"> </span>F\u00f6r l\u00e5nef<span class=\"__11 _617\"/>ordringar d\u00e4r inget nedskrivningsbeho<span class=\"__11 _617\"/>v identi\ufb01er<span class=\"__11 _617\"/>a-<span class=\"__11 _624\"> </span>des i den individuella pr\u00f6vningen an<span class=\"__11 _617\"/>v\u00e4nds en kollek<span class=\"__11 _617\"/>tiv modell<span class=\"__11 _624\"> </span> f\u00f6r ber<span class=\"__11 _617\"/>\u00e4kning av nedskrivningsbeho<span class=\"__11 _617\"/>v<span class=\"__11 _625\"/>. Reserveringarna ber\u00e4k-<span class=\"__11 _624\"> </span>nas som l\u00e5nefor<span class=\"__11 _617\"/>dring vid falliss<span class=\"__11 _617\"/>emang g\u00e5nger sannolikheten<span class=\"__11 _624\"> </span> f\u00f6r f<span class=\"__11 _617\"/>allissemang g\u00e5nger f<span class=\"__11 _617\"/>\u00f6rlust<span class=\"__11 _617\"/>en i h\u00e4ndelse av f<span class=\"__11 _617\"/>allissemang.<span class=\"__11 _624\"> </span> F\u00f6r tillg\u00e5ngar i ka<span class=\"__11 _617\"/>tegori 1 baser<span class=\"__11 _617\"/>as ber\u00e4kningen endast p\u00e5 de<span class=\"__11 _624\"> </span> kommande 12 m\u00e5naderna, medan den f<span class=\"__11 _617\"/>\u00f6r tillg\u00e5ngar i kate-<span class=\"__11 _624\"> </span>gori 2 och 3 baseras p\u00e5 tillg\u00e5ngens f<span class=\"__11 _617\"/>\u00f6rv\u00e4ntade l\u00f6p<span class=\"__11 _617\"/>tid.<span class=\"__11 _624\"> </span>Reserveringar f<span class=\"__11 _617\"/>\u00f6r l\u00e5nef<span class=\"__11 _617\"/>ordringar d\u00e4r det int<span class=\"__11 _617\"/>e skett n\u00e5gon<span class=\"__11 _624\"> </span> betydande \u00f6kning a<span class=\"__11 _617\"/>v kreditrisken sedan f<span class=\"__11 _617\"/>\u00f6rsta r<span class=\"__11 _617\"/>edovisnings-<span class=\"__11 _624\"> </span>tillf\u00e4llet baser<span class=\"__11 _617\"/>as p\u00e5 f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tade kreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter under kom-<span class=\"__11 _624\"> </span>mande 12 m\u00e5nader (kategori 1). R<span class=\"__11 _617\"/>eserveringar f\u00f6r l\u00e5ne<span class=\"__11 _617\"/>for<span class=\"__11 _617\"/>d-<span class=\"__11 _624\"> </span>ringar d\u00e4r det har skett en betydande \u00f6kning a<span class=\"__11 _617\"/>v kreditrisk<span class=\"__11 _617\"/>en<span class=\"__11 _624\"> </span> sedan f\u00f6rst<span class=\"__11 _617\"/>a redovisnings<span class=\"__11 _617\"/>tillf\u00e4llet, men d\u00e4r ingen nedskriv-<span class=\"__11 _624\"> </span>ning har gjorts, baseras p\u00e5 f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tade kreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter under<span class=\"__11 _624\"> </span> hela den \u00e5terst\u00e5ende l\u00f6p<span class=\"__11 _617\"/>tiden (kategori 2). Dett<span class=\"__11 _617\"/>a g\u00e4ller \u00e4v<span class=\"__11 _617\"/>en<span class=\"__11 _624\"> </span> f\u00f6r os\u00e4kr<span class=\"__11 _617\"/>a for<span class=\"__11 _617\"/>dringar som int<span class=\"__11 _617\"/>e \u00e4r betydande i kat<span class=\"__11 _617\"/>egori 3.<span class=\"__11 _624\"> </span>Nordea<span class=\"ws3_10\"> anv<span class=\"__11 _617\"/>\u00e4nder tv\u00e5 olika modeller f<span class=\"__11 _617\"/>\u00f6r att f<span class=\"__11 _617\"/>asts<span class=\"__11 _617\"/>t\u00e4lla om det<span class=\"__11 _624\"> </span></span><span class=\"ws3_10\"> </span>har skett en betydande \u00f6kning a<span class=\"__11 _617\"/>v kreditrisken ell<span class=\"__11 _617\"/>er inte. F<span class=\"__11 _617\"/>\u00f6r<span class=\"__11 _624\"> </span> tillg\u00e5ngar som innehades vid \u00f6ver<span class=\"__11 _617\"/>g\u00e5ngen till IFRS 9 den<span class=\"__11 _624\"> </span> <span class=\"__11 _624\">1 januari 2018 anv\u00e4nds f</span><span class=\"__11 _617\"/>\u00f6r\u00e4ndringen i in<span class=\"__11 _617\"/>terna r<span class=\"__11 _617\"/>ating- och sco<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ringuppgifter f\u00f6r a<span class=\"__11 _617\"/>tt fas<span class=\"__11 _617\"/>tst\u00e4lla om det sk<span class=\"__11 _617\"/>ett en betydande<span class=\"__11 _624\"> </span> \u00f6kning av kr<span class=\"__11 _617\"/>editrisken eller in<span class=\"__11 _617\"/>te. Int<span class=\"__11 _617\"/>erna rating-/<span class=\"__11 _617\"/>scoringuppgif<span class=\"__11 _617\"/><span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ter anv\u00e4nds f<span class=\"__11 _617\"/>\u00f6r a<span class=\"__11 _617\"/>tt bed\u00f6ma risken hos kunderna, och en f<span class=\"__11 _617\"/>\u00f6r<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>s\u00e4mrad ra<span class=\"__11 _617\"/>ting/s<span class=\"__11 _617\"/>coring f\u00f6r en k<span class=\"__11 _617\"/>und tyder p\u00e5 a<span class=\"__11 _617\"/>tt kreditrisken har<span class=\"__11 _624\"> </span> \u00f6kat. Nordea<span class=\"ws3_10\"> har dragit slutsa<span class=\"__11 _617\"/>tsen att det in<span class=\"__11 _617\"/>te \u00e4r m\u00f6jligt att vid<span class=\"__11 _624\"> </span></span><span class=\"ws3_10\"> </span>kreditgivningen ber\u00e4kna sannolikhet<span class=\"__11 _617\"/>en f\u00f6r f<span class=\"__11 _617\"/>allissemang (PD<span class=\"__11 _617\"/>)<span class=\"__11 _624\"> </span> f\u00f6r den \u00e5<span class=\"__11 _617\"/>terst\u00e5ende l\u00f6ptiden ut<span class=\"__11 _617\"/>an bed\u00f6mningar i efterhand a<span class=\"__11 _617\"/>v<span class=\"__11 _624\"> </span> tillg\u00e5ngar som redan redo<span class=\"__11 _617\"/>visas i balansr\u00e4kningen vid \u00f6v<span class=\"__11 _617\"/>er<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>g\u00e5ngen. F\u00f6r<span class=\"__11 _617\"/>\u00e4ndringar i PD f\u00f6r den \u00e5<span class=\"__11 _617\"/>terst\u00e5ende l\u00f6p<span class=\"__11 _617\"/>tiden<span class=\"__11 _624\"> </span> anv\u00e4nds som utl\u00f6sande f<span class=\"__11 _617\"/>ak<span class=\"__11 _617\"/>tor f<span class=\"__11 _617\"/>\u00f6r tillg\u00e5ngar redovisade eft<span class=\"__11 _617\"/>er<span class=\"__11 _624\"> </span> \u00f6verg\u00e5ngen<span class=\"__11 _624\"> </span>.<span class=\"__11 _624\"> </span>F\u00f6r tillg\u00e5ngar som bed\u00f6ms utif<span class=\"__11 _617\"/>r\u00e5n PD f<span class=\"__11 _617\"/>\u00f6r den \u00e5ters<span class=\"__11 _617\"/>t\u00e5ende<span class=\"__11 _624\"> </span> l\u00f6ptiden anv<span class=\"__11 _617\"/>\u00e4nder Nordea en blandning a<span class=\"__11 _617\"/>v absoluta och r<span class=\"__11 _617\"/>ela-<span class=\"__11 _624\"> </span>tiva f<span class=\"__11 _617\"/>\u00f6r\u00e4ndringar i PD som kriterium f<span class=\"__11 _617\"/>\u00f6r \u00f6v<span class=\"__11 _617\"/>erf\u00f6ringen.<span class=\"__11 _624\"> </span> \u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">Retail-k<span class=\"__11 _617\"/>under med ett ursprungligt tolvm\u00e5naders PD under<span class=\"__11 _624\"> </span></span><span class=\"ws6_10\"> </span>1 procen<span class=\"__11 _617\"/>t: L\u00e5nefordringar med en r<span class=\"__11 _617\"/>elativ \u00f6kning i PD f<span class=\"__11 _617\"/>\u00f6r den<span class=\"__11 _624\"> </span> \u00e5terst\u00e5ende l\u00f6p<span class=\"__11 _617\"/>tiden p\u00e5 \u00f6ver 100 pr<span class=\"__11 _617\"/>ocen<span class=\"__11 _617\"/>t och en absolut<span class=\"__11 _624\"> </span> \u00f6kning av t<span class=\"__11 _617\"/>olvm\u00e5naders PD p\u00e5 \u00f6ver 45 punk<span class=\"__11 _617\"/>ter \u00f6<span class=\"__11 _617\"/>verf\u00f6rs till<span class=\"__11 _624\"> </span> kategori 2.<span class=\"__11 _624\"> </span> \u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">Retail-k<span class=\"__11 _617\"/>under med ett ursprungligt tolvm\u00e5naders PD \u00f6v<span class=\"__11 _617\"/>er<span class=\"__11 _624\"> </span></span><span class=\"ws6_10\"> </span>eller lika med 1 procen<span class=\"__11 _617\"/>t: L\u00e5nefor<span class=\"__11 _617\"/>dringar med en relativ<span class=\"__11 _624\"> </span> \u00f6kning i PD f\u00f6r den \u00e5<span class=\"__11 _617\"/>terst\u00e5ende l\u00f6ptiden p\u00e5 \u00f6<span class=\"__11 _617\"/>ver 100 pro<span class=\"ws3_10\">-<span class=\"__11 _624\"> </span></span>cent eller en abs<span class=\"__11 _617\"/>olut \u00f6kning a<span class=\"__11 _617\"/>v tolvm\u00e5naders PD p\u00e5 \u00f6v<span class=\"__11 _617\"/>er<span class=\"__11 _624\"> </span> 300 punkter \u00f6<span class=\"__11 _617\"/>verf\u00f6rs till ka<span class=\"__11 _617\"/>tegori 2.<span class=\"__11 _624\"> </span> \u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">F\u00f6r<span class=\"__11 _617\"/>etags- och institutionella kunder med ett ursprungligt<span class=\"__11 _624\"> </span></span><span class=\"ws6_10\"> </span>tolvm\u00e5naders PD under 0,5 procen<span class=\"__11 _617\"/>t: L\u00e5nef<span class=\"__11 _617\"/>ordringar med en<span class=\"__11 _624\"> </span> relativ \u00f6kning i PD f<span class=\"__11 _617\"/>\u00f6r den \u00e5ters<span class=\"__11 _617\"/>t\u00e5ende l\u00f6ptiden p\u00e5 \u00f6v<span class=\"__11 _617\"/>er<span class=\"__11 _624\"> </span> <span class=\"__11 _624\">150 </span><span class=\"__11 _617\"/>proc<span class=\"__11 _617\"/>ent och en absol<span class=\"__11 _617\"/>ut \u00f6kning av t<span class=\"__11 _617\"/>olvm\u00e5naders PD p\u00e5<span class=\"__11 _624\"> </span> \u00f6ver 20 punk<span class=\"__11 _617\"/>ter \u00f6v<span class=\"__11 _617\"/>erf\u00f6rs till kat<span class=\"__11 _617\"/>egori 2.<span class=\"__11 _624\"> </span> \u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">F\u00f6retags- och ins<span class=\"__11 _617\"/>titutionella kunder med ett ursprungligt<span class=\"__11 _624\"> </span></span><span class=\"ws6_10\"> </span>tolvm\u00e5naders PD p\u00e5 \u00f6v<span class=\"__11 _617\"/>er eller lika med 0,5 procen<span class=\"__11 _617\"/>t: L\u00e5nefor<span class=\"ls1_11 ws3_10\">-<span class=\"__11 _624\"> </span></span>dringar med en relativ \u00f6kning i PD f<span class=\"__11 _617\"/>\u00f6r den \u00e5t<span class=\"__11 _617\"/>erst\u00e5ende l\u00f6p<span class=\"ls1_11 ws3_10\">-<span class=\"__11 _624\"> </span></span>tiden p\u00e5 \u00f6ver 150 proc<span class=\"__11 _617\"/>ent eller en absol<span class=\"__11 _617\"/>ut \u00f6kning av<span class=\"__11 _624\"> </span> tolvm\u00e5naders PD p\u00e5 \u00f6v<span class=\"__11 _617\"/>er 400 punkter \u00f6<span class=\"__11 _617\"/>verf<span class=\"__11 _617\"/>\u00f6rs till kategori 2.<span class=\"__11 _624\"> </span>F\u00f6r tillg\u00e5ngar d\u00e4r r<span class=\"__11 _617\"/>ating- och scoringmodeller an<span class=\"__11 _617\"/>v\u00e4nds, kali-<span class=\"__11 _624\"> </span>breras r<span class=\"__11 _617\"/>ating-/<span class=\"__11 _617\"/>scoringf<span class=\"__11 _617\"/>\u00f6r\u00e4ndringen f<span class=\"__11 _617\"/>\u00f6r att ma<span class=\"__11 _617\"/>tcha den bety-<span class=\"__11 _624\"> </span>dande \u00f6kningen av kr<span class=\"__11 _617\"/>editrisken utifr<span class=\"__11 _617\"/>\u00e5n PD f\u00f6r den \u00e5<span class=\"__11 _617\"/>terst\u00e5<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>ende l\u00f6ptiden. Dessutom \u00f6<span class=\"__11 _617\"/>verf\u00f6rs kunder s<span class=\"__11 _617\"/>om omf<span class=\"__11 _617\"/>attas a<span class=\"__11 _617\"/>v<span class=\"__11 _624\"> </span> f\u00f6rmildr<span class=\"__11 _617\"/>ande kreditvillkor och k<span class=\"__11 _617\"/>under som \u00e4r mer \u00e4n 30 dagar<span class=\"__11 _624\"> </span> sena med sina betalningar till kategori 2, s\u00e5<span class=\"__11 _625\"/>vida inte ett ned-<span class=\"__11 _624\"> </span>skrivningsbehov redan har iden<span class=\"__11 _617\"/>ti\ufb01era<span class=\"__11 _617\"/>ts (kategori 3). L\u00e5ne-<span class=\"__11 _624\"> </span>for<span class=\"__11 _617\"/>dringar som omf<span class=\"__11 _617\"/>attas a<span class=\"__11 _617\"/>v f<span class=\"__11 _617\"/>\u00f6rmildrande kr<span class=\"__11 _617\"/>editvillkor kvar-<span class=\"__11 _624\"> </span>st\u00e5r i kat<span class=\"__11 _617\"/>egori 2 under en pr\u00f6v<span class=\"__11 _617\"/>otid p\u00e5 2<span class=\"__11 _617\"/>4 m\u00e5nader<span class=\"__11 _625\"/>, fr\u00e5n och<span class=\"__11 _624\"> </span> med den tidpunkt d\u00e5 \u00e5<span class=\"__11 _617\"/>tg\u00e4rderna in<span class=\"__11 _617\"/>f\u00f6r<span class=\"__11 _617\"/>des. N\u00e4r l\u00e5nefor<span class=\"__11 _617\"/>dring-<span class=\"__11 _624\"> </span>arna efter pr\u00f6v<span class=\"__11 _617\"/>otidens slut \u00e5<span class=\"__11 _617\"/>terf\u00f6rs till ka<span class=\"__11 _617\"/>tegori 1 hant<span class=\"__11 _617\"/>eras de<span class=\"__11 _624\"> </span> p\u00e5 samma s\u00e4tt som andra l\u00e5nef<span class=\"__11 _617\"/>or<span class=\"__11 _617\"/>dringar i kategori 1 i f<span class=\"__11 _617\"/>r\u00e5ga<span class=\"__11 _624\"> </span> om bed\u00f6mningen av om det f<span class=\"__11 _617\"/>\u00f6religger en v<span class=\"__11 _617\"/>\u00e4sentlig \u00f6kning a<span class=\"__11 _625\"/>v<span class=\"__11 _624\"> </span> kreditrisken. L\u00e5nef<span class=\"__11 _617\"/>ordringar d\u00e4r k<span class=\"__11 _617\"/>underna \u00e4r mer \u00e4n 90 dagar<span class=\"__11 _624\"> </span> sena med sina betalningar klassi\ufb01ceras normal<span class=\"__11 _617\"/>t i kategori 3,<span class=\"__11 _624\"> </span> men denna klassi\ufb01cering \u00e4ndras om det \ufb01nns bevis f<span class=\"__11 _617\"/>\u00f6r att<span class=\"__11 _624\"> </span> kunden int<span class=\"__11 _617\"/>e har faller<span class=\"__11 _617\"/>at. S\u00e5dana l\u00e5nefor<span class=\"__11 _617\"/>dringar klassi\ufb01ceras i<span class=\"__11 _624\"> </span> kategori 2. L\u00e5ne<span class=\"__11 _617\"/>for<span class=\"__11 _617\"/>dringar med \u201dh\u00f6g risk\u201d<span class=\"__11 _625\"/>, det vill s\u00e4ga med<span class=\"__11 _624\"> </span> en rating p\u00e5 2 eller l\u00e4gr<span class=\"__11 _617\"/>e, \u00f6verf<span class=\"__11 _617\"/>\u00f6rs ocks\u00e5 till kategori 2.  Vid ber\u00e4kningen a<span class=\"__11 _617\"/>v reserveringar<span class=\"__11 _625\"/>, inklusive kategoriindel<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>ningen, anv\u00e4nds b\u00e5de his<span class=\"__11 _617\"/>torisk inf<span class=\"__11 _617\"/>ormation och sannolikhets-<span class=\"__11 _624\"> </span>viktad, f<span class=\"__11 _617\"/>ram\u00e5tblickande in<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>ormation. Nordea an<span class=\"__11 _617\"/>v\u00e4nder tre<span class=\"__11 _624\"> </span> makroekonomiska sc<span class=\"__11 _617\"/>enarier f\u00f6r a<span class=\"__11 _617\"/>tt ta h\u00e4nsyn till de icke-linj\u00e4-<span class=\"__11 _624\"> </span>ra aspek<span class=\"__11 _617\"/>terna a<span class=\"__11 _617\"/>v f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tade kreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter<span class=\"__11 _625\"/>. De olika scenari-<span class=\"__11 _624\"> </span>erna anv\u00e4nds f<span class=\"__11 _617\"/>\u00f6r att jus<span class=\"__11 _617\"/>tera de ak<span class=\"__11 _617\"/>tuella parametr<span class=\"__11 _617\"/>arna f\u00f6r<span class=\"__11 _624\"> </span> ber\u00e4kning a<span class=\"__11 _617\"/>v f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tade kreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter<span class=\"__11 _625\"/>, och ett sannolikhets-<span class=\"__11 _624\"> </span>vikta<span class=\"__11 _617\"/>t genomsnitt av de f<span class=\"__11 _617\"/>\u00f6rv\u00e4n<span class=\"__11 _617\"/>tade f<span class=\"__11 _617\"/>\u00f6rlusterna enligt r<span class=\"__11 _617\"/>espek-<span class=\"__11 _624\"> </span>tive scenario r<span class=\"__11 _617\"/>edovisas som res<span class=\"__11 _617\"/>erveringar<span class=\"__11 _617\"/>. Modellen anv<span class=\"__11 _617\"/>\u00e4nder<span class=\"__11 _624\"> </span> sig av da<span class=\"__11 _617\"/>ta som samlats in f<span class=\"__11 _617\"/>\u00f6re balansdagen, vilk<span class=\"__11 _617\"/>et inneb\u00e4r<span class=\"__11 _624\"> </span> att Nordea m\u00e5s<span class=\"__11 _617\"/>te identi\ufb01er<span class=\"__11 _617\"/>a h\u00e4ndelser som skulle k<span class=\"__11 _617\"/>unna<span class=\"__11 _624\"> </span> p\u00e5v<span class=\"__11 _617\"/>erka reserveringarna efter da<span class=\"__11 _617\"/>tainsamlingen. Ledningen<span class=\"__11 _624\"> </span> utv\u00e4rder<span class=\"__11 _617\"/>ar dessa h\u00e4ndelser och juster<span class=\"__11 _617\"/>ar reserveringarna, om<span class=\"__11 _624\"> </span> detta bed\u00f6ms n\u00f6dv\u00e4ndigt.<span class=\"__11 _624\"> </span>Bortskrivningar<span class=\"__11 _624\"> </span>Bortskrivningar inneb\u00e4r att l\u00e5n eller kundf<span class=\"__11 _617\"/>ordringar a<span class=\"__11 _617\"/>vf\u00f6rs<span class=\"__11 _624\"> </span> fr\u00e5n balansr<span class=\"__11 _617\"/>\u00e4kningen samtidigt som mo<span class=\"__11 _617\"/>tsvar<span class=\"__11 _617\"/>ande kreditf<span class=\"__11 _617\"/>\u00f6r-<span class=\"__11 _624\"> </span>lustres<span class=\"__11 _617\"/>ervering realiseras. N\u00e4r f<span class=\"__11 _617\"/>ordringar bed\u00f6ms v<span class=\"__11 _617\"/>ara om\u00f6j-<span class=\"__11 _624\"> </span>liga att driva in ska de snar<span class=\"__11 _617\"/>ast m\u00f6jligt bortskrivas, oa<span class=\"__11 _617\"/>vsett om<span class=\"__11 _624\"> </span> det r\u00e4ttsliga anspr<span class=\"__11 _617\"/>\u00e5ket kvarst<span class=\"__11 _617\"/>\u00e5r eller inte. En bortskrivning<span class=\"__11 _624\"> </span> kan g\u00f6ras innan ev<span class=\"__11 _617\"/>entuella r<span class=\"__11 _617\"/>\u00e4ttsliga \u00e5tg\u00e4r<span class=\"__11 _617\"/>der mot l\u00e5n<span class=\"__11 _617\"/>tagaren,<span class=\"__11 _624\"> </span>f\u00f6r a<span class=\"__11 _617\"/>tt \u00e5tervinna skulden, har slutf<span class=\"__11 _617\"/>\u00f6rts. \u00c4<span class=\"__11 _625\"/>ven om en for<span class=\"__11 _617\"/>dran<span class=\"__11 _624\"> </span> som inte k<span class=\"__11 _617\"/>an drivas in bortskrivs eller avf<span class=\"__11 _617\"/>\u00f6rs fr\u00e5n balansr<span class=\"__11 _617\"/>\u00e4k-<span class=\"__11 _624\"> </span>ningen har kunden en r\u00e4<span class=\"__11 _617\"/>ttslig skyldighet att betala den ute-<span class=\"__11 _624\"> </span>st\u00e5ende skulden. Vid bed\u00f6mningen a<span class=\"__11 _617\"/>v huruvida os\u00e4kr<span class=\"__11 _617\"/>a l\u00e5ne-<span class=\"__11 _624\"> </span>for<span class=\"__11 _617\"/>dringar kan \u00e5tervinnas och om bortskrivning kr\u00e4<span class=\"__11 _617\"/>vs, \u00e4r det<span class=\"__11 _624\"> </span> fram<span class=\"__11 _617\"/>f\u00f6r all<span class=\"__11 _617\"/>t l\u00e5nef<span class=\"__11 _617\"/>ordringar med f<span class=\"__11 _617\"/>\u00f6ljande egenskaper som st\u00e5r<span class=\"__11 _624\"> </span> i fok<span class=\"__11 _617\"/>us (listan \u00e4r in<span class=\"__11 _617\"/>te utt\u00f6mmande):<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">L\u00e5nef<span class=\"__11 _617\"/>ordringar d\u00e4r kunderna \u00e4r mer \u00e4n 90 dagar sena med<span class=\"__11 _624\"> </span></span><span class=\"ws6_10\"> </span>betalningen. Om en l\u00e5nefor<span class=\"__11 _617\"/>dring, eller del a<span class=\"__11 _617\"/>v den, efter den<span class=\"__11 _624\"> </span> h\u00e4r bed\u00f6mningen anses var<span class=\"__11 _617\"/>a om\u00f6jlig att driva in, bortskrivs<span class=\"__11 _624\"> </span> den.<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">L\u00e5nef<span class=\"__11 _617\"/>ordringar som omf<span class=\"__11 _617\"/>a<span class=\"__11 _617\"/>ttas av ins<span class=\"__11 _617\"/>olvensf<span class=\"__11 _617\"/>\u00f6rfar<span class=\"__11 _617\"/>ande och<span class=\"__11 _624\"> </span></span><span class=\"ws6_10\"> </span>har l\u00e5g s\u00e4kerhetst\u00e4ckning.<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">L\u00e5nef<span class=\"__11 _617\"/>ordringar d\u00e4r juridiska kos<span class=\"__11 _617\"/>tnader f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tas f<span class=\"__11 _617\"/>\u00f6rbruka<span class=\"__11 _624\"> </span></span><span class=\"ws6_10\"> </span>beh\u00e5llningen fr\u00e5n k<span class=\"__11 _617\"/>onkursf\u00f6rf<span class=\"__11 _617\"/>arandet, med l\u00e5ga \u00e5tervin<span class=\"ws3_10\">-<span class=\"__11 _624\"> </span></span>ningsv\u00e4rden som f<span class=\"__11 _617\"/>\u00f6ljd.<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span><span class=\"ws6_10\">Delbortskrivning kan vara bef<span class=\"__11 _617\"/>ogad n\u00e4r det \ufb01nns rimliga<span class=\"__11 _624\"> </span></span><span class=\"ws6_10\"> </span>ekonomiska bel\u00e4gg f<span class=\"__11 _617\"/>\u00f6r att l\u00e5n<span class=\"__11 _617\"/>tagaren in<span class=\"__11 _617\"/>te kan \u00e5terbet<span class=\"__11 _617\"/>ala<span class=\"__11 _624\"> </span> hela beloppet, det vill s\u00e4ga en avsev\u00e4r<span class=\"__11 _617\"/>d del a<span class=\"__11 _617\"/>v skulden kan<span class=\"__11 _624\"> </span> inte p\u00e5 rimliga grunder s\u00e4gas v<span class=\"__11 _617\"/>ara \u00e5<span class=\"__11 _617\"/>tervinningsbar genom<span class=\"__11 _624\"> </span> f\u00f6rmildr<span class=\"__11 _617\"/>ande kreditvillkor eller r<span class=\"__11 _617\"/>ealisering a<span class=\"__11 _617\"/>v s\u00e4kerheter<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>\u2022 <span class=\"__11 _a_10\"> </span>Rekons<span class=\"__11 _617\"/>truktionsf<span class=\"__11 _617\"/>all.<span class=\"__11 _624\"> </span>Diskont<span class=\"__11 _617\"/>eringsr\u00e4n<span class=\"__11 _617\"/>ta<span class=\"__11 _624\"> </span>Diskont<span class=\"__11 _617\"/>eringsr\u00e4n<span class=\"__11 _617\"/>tan som anv<span class=\"__11 _617\"/>\u00e4nds f\u00f6r v<span class=\"__11 _617\"/>\u00e4rdering a<span class=\"__11 _617\"/>v os\u00e4kra<span class=\"__11 _624\"> </span> l\u00e5nefor<span class=\"__11 _617\"/>dringar motsvar<span class=\"__11 _617\"/><span class=\"__11 _624\">ar den ursprungliga effek</span><span class=\"__11 _617\"/>tiva r<span class=\"__11 _617\"/>\u00e4ntan<span class=\"__11 _624\"> </span> f\u00f6r l\u00e5n h\u00e4n<span class=\"__11 _617\"/>f\u00f6rliga till en enskild k<span class=\"__11 _617\"/>und eller<span class=\"__11 _625\"/>, i f\u00f6rekommande<span class=\"__11 _624\"> </span> fall, till en grupp a<span class=\"__11 _617\"/>v l\u00e5nefor<span class=\"__11 _617\"/>dringar<span class=\"__11 _625\"/>. Om s\u00e5 anses l\u00e4mpligt kan<span class=\"__11 _624\"> </span> diskont<span class=\"__11 _617\"/>eringsr\u00e4n<span class=\"__11 _617\"/>tan ber\u00e4knas med en metod som r<span class=\"__11 _617\"/>esulter<span class=\"__11 _617\"/>ar i<span class=\"__11 _624\"> </span> en nedskrivning som utg\u00f6r en rimlig uppskattning a<span class=\"__11 _617\"/>v v<span class=\"__11 _617\"/>ad en<span class=\"__11 _624\"> </span> <span class=\"__11 _624\">ber\u00e4kning grundad p\u00e5 eff</span><span class=\"__11 _617\"/>ektivr<span class=\"__11 _617\"/>\u00e4nt<span class=\"__11 _617\"/>emetoden skulle ge.<span class=\"__11 _624\"> </span>Omstruktur<span class=\"__11 _617\"/>erade l\u00e5nef<span class=\"__11 _617\"/>ordringar och modi\ufb01eringar<span class=\"__11 _624\"> </span>Med en omstruk<span class=\"__11 _617\"/>turerad l\u00e5nef<span class=\"__11 _617\"/>ordr<span class=\"__11 _617\"/>an a<span class=\"__11 _617\"/>vses i detta samman-<span class=\"__11 _624\"> </span>hang en l\u00e5nefor<span class=\"__11 _617\"/>dran d\u00e4r Nordea har bevilja<span class=\"__11 _617\"/>t l\u00e5nt<span class=\"__11 _617\"/>agaren efter-<span class=\"__11 _624\"> </span>gifter till f\u00f6ljd a<span class=\"__11 _625\"/>v dennes ekonomiska sv\u00e5righeter och d\u00e4r<span class=\"__11 _624\"> </span> s\u00e5dana eftergifter har gett uppho<span class=\"__11 _617\"/>v till en kreditf<span class=\"__11 _617\"/>\u00f6rlust f<span class=\"__11 _617\"/>\u00f6r<span class=\"__11 _624\"> </span> Nordea. Efter en oms<span class=\"__11 _617\"/>truktur<span class=\"__11 _617\"/>ering betrak<span class=\"__11 _617\"/>tas l\u00e5nef<span class=\"__11 _617\"/>ordran v<span class=\"__11 _617\"/>anli-<span class=\"__11 _624\"> </span>gen inte l\u00e4ngr<span class=\"__11 _617\"/>e som os\u00e4ker om \u00e5t<span class=\"__11 _617\"/>agandena fullf<span class=\"__11 _617\"/>\u00f6ljs i enlighet<span class=\"__11 _624\"> </span> med de nya villk<span class=\"__11 _617\"/>oren. I det fall en \u00e5<span class=\"__11 _617\"/>tervinning sker redovisas<span class=\"__11 _624\"> </span> betalningen som en \u00e5tervinning a<span class=\"__11 _617\"/>v kreditf<span class=\"__11 _617\"/>\u00f6rlust<span class=\"__11 _617\"/>er<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span> Modi\ufb01ering av de a<span class=\"__11 _617\"/>vtalsenliga k<span class=\"__11 _617\"/>assafl\u00f6dena f<span class=\"__11 _617\"/>\u00f6r l\u00e5n till kunder<span class=\"__11 _624\"> </span> med ekonomiska sv\u00e5righet<span class=\"__11 _617\"/>er (f\u00f6rmildr<span class=\"__11 _617\"/>ande kreditvillkor) mins<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>kar det redovisade l\u00e5nebeloppet, brutto. Normalt \u00e4r denna<span class=\"__11 _624\"> </span> minskning mindre \u00e4n den be\ufb01ntliga r<span class=\"__11 _617\"/>eserveringen, och ingen<span class=\"__11 _624\"> </span> f\u00f6rlus<span class=\"__11 _617\"/>t redovisas i r<span class=\"__11 _617\"/>esulta<span class=\"__11 _617\"/>tr\u00e4kningen till f<span class=\"__11 _617\"/>\u00f6ljd a<span class=\"__11 _617\"/>v modi\ufb01ering. Om<span class=\"__11 _624\"> </span> de \u00e4r betydande, minskas bruttobeloppen (l\u00e5n och r<span class=\"__11 _617\"/>eservering).<span class=\"__11 _624\"> </span> Tillg\u00e5ngar \u00f6vertagna f<span class=\"__11 _617\"/>\u00f6r skyddande a<span class=\"__11 _617\"/>v f<span class=\"__11 _617\"/>ordr<span class=\"__11 _617\"/>an<span class=\"__11 _624\"> </span>I en \ufb01nansiell omstruk<span class=\"__11 _617\"/>turering kan l\u00e5ngivar<span class=\"__11 _617\"/>en komma att<span class=\"__11 _624\"> </span> avs<span class=\"__11 _617\"/>t\u00e5 fr<span class=\"__11 _617\"/>\u00e5n l\u00e5nefor<span class=\"__11 _617\"/>dringar till f\u00f6rm\u00e5n f<span class=\"__11 _617\"/>\u00f6r l\u00e5n<span class=\"__11 _617\"/>tagaren och i utby-<span class=\"__11 _624\"> </span>te mot denna efter<span class=\"__11 _617\"/>gift ta \u00f6ver till<span class=\"__11 _617\"/>g\u00e5ngar som l\u00e4mnats som<span class=\"__11 _624\"> </span> s\u00e4kerhet f<span class=\"__11 _617\"/>\u00f6r l\u00e5nen, aktier som emitt<span class=\"__11 _617\"/>erats a<span class=\"__11 _617\"/>v l\u00e5n<span class=\"__11 _617\"/>tagaren eller<span class=\"__11 _624\"> </span> andra tillg\u00e5ngar<span class=\"__11 _625\"/>. En tillg\u00e5ng \u00f6vertagen f\u00f6r skyddande a<span class=\"__11 _625\"/>v for-<span class=\"__11 _624\"> </span>dran redo<span class=\"__11 _617\"/>visas i balansr\u00e4kningen tillsammans med liknande<span class=\"__11 _624\"> </span> tillg\u00e5ngar som redan innehas a<span class=\"__11 _617\"/>v Nordea. En \u00f6v<span class=\"__11 _617\"/>ertagen fastig-<span class=\"__11 _624\"> </span>het som inte innehas f<span class=\"__11 _617\"/>\u00f6r eget utn<span class=\"__11 _617\"/>yttjande redovisas till e<span class=\"__11 _617\"/>x<span class=\"__11 _617\"/>em-<span class=\"__11 _624\"> </span>pel tillsammans med andra f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheter<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Alla tillg\u00e5ngar som \u00f6vertagits f<span class=\"__11 _617\"/>\u00f6r skyddande a<span class=\"__11 _617\"/>v f<span class=\"__11 _617\"/>ordran<span class=\"__11 _624\"> </span> redovisas vid f<span class=\"__11 _617\"/>\u00f6rsta redo<span class=\"__11 _617\"/>visningstillf<span class=\"__11 _617\"/>\u00e4llet till verkligt v\u00e4r<span class=\"__11 _617\"/>de och<span class=\"__11 _624\"> </span> even<span class=\"__11 _617\"/>tuell skillnad mellan l\u00e5nets redovisade v<span class=\"__11 _617\"/>\u00e4rde och det<span class=\"__11 _624\"> </span> verkliga v\u00e4r<span class=\"__11 _617\"/>det p\u00e5 den \u00f6vertagna tillg\u00e5ngen redo<span class=\"__11 _617\"/>visas under<span class=\"__11 _624\"> </span> posten \u201dKreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter<span class=\"__11 _625\"/>, netto\u201d<span class=\"__11 _625\"/>. Det verkliga v\u00e4rdet p\u00e5 redovis-<span class=\"__11 _624\"> </span><span class=\"__11 _624\">ningsdagen blir tillg\u00e5ngens anskaffningsv</span><span class=\"__11 _617\"/>\u00e4rde eller upplupna<span class=\"__11 _624\"> </span> <span class=\"__11 _624\">anskaffningsv</span><span class=\"__11 _617\"/>\u00e4rde, beroende p\u00e5 v<span class=\"__11 _617\"/>ad som \u00e4r till\u00e4mpligt. Under<span class=\"__11 _624\"> </span>efterf\u00f6ljande perioder v<span class=\"__11 _617\"/>\u00e4rderas tillg\u00e5ngar som \u00f6<span class=\"__11 _617\"/>vertagits f<span class=\"__11 _617\"/>\u00f6r skyddande a<span class=\"__11 _617\"/>v for<span class=\"__11 _617\"/>dran i enlighet med g\u00e4llande v\u00e4r<span class=\"__11 _617\"/>derings-<span class=\"__11 _624\"> </span>principer f\u00f6r tillg\u00e5ngsslaget. F\u00f6rval<span class=\"__11 _617\"/>tningsfas<span class=\"__11 _617\"/>tigheter v\u00e4r<span class=\"__11 _617\"/>deras d\u00e5 till verkligt v\u00e4r<span class=\"__11 _617\"/>de. \u00d6vertagna \ufb01nansiella tillg\u00e5ngar klassi\ufb01-<span class=\"__11 _624\"> </span>ceras generell<span class=\"__11 _617\"/>t i kategorin \u201dV<span class=\"__11 _625\"/>erkligt v\u00e4rde via result<span class=\"__11 _617\"/>atr\u00e4kning-<span class=\"__11 _624\"> </span>en\u201d och v\u00e4rder<span class=\"__11 _617\"/>as till verkligt v\u00e4r<span class=\"__11 _617\"/>de. F\u00f6r<span class=\"__11 _617\"/>\u00e4ndringar i verkligt v\u00e4rde r<span class=\"__11 _617\"/>edovisas i result<span class=\"__11 _617\"/>atr\u00e4kningen under pos<span class=\"__11 _617\"/>ten \u201dNettore<span class=\"__11 _617\"/>sul-<span class=\"__11 _624\"> </span>tat a<span class=\"__11 _617\"/>v poster till v<span class=\"__11 _617\"/>erkligt v\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>E<span class=\"__11 _617\"/>ventuella v<span class=\"__11 _617\"/>\u00e4rdef<span class=\"__11 _617\"/>\u00f6r\u00e4ndringar eft<span class=\"__11 _617\"/>er den \u00f6vertagna tillg\u00e5ng-<span class=\"__11 _624\"> </span>ens f\u00f6rsta r<span class=\"__11 _617\"/>edovisningstillf<span class=\"__11 _617\"/>\u00e4lle, redo<span class=\"__11 _617\"/>visas i result<span class=\"__11 _617\"/>atr\u00e4kningen i enlighet med koncernens principer f<span class=\"__11 _617\"/>\u00f6r presen<span class=\"__11 _617\"/>tation a<span class=\"__11 _617\"/>v till-<span class=\"__11 _624\"> </span>g\u00e5ngsslaget. Posten \u201dKreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter<span class=\"__11 _625\"/>, netto\u201d i resultatr<span class=\"__11 _617\"/>\u00e4kning-<span class=\"__11 _624\"> </span>en p\u00e5v<span class=\"__11 _617\"/>erkas f\u00f6ljak<span class=\"__11 _617\"/>tligen in<span class=\"__11 _617\"/>te a<span class=\"__11 _617\"/>v ny<span class=\"__11 _617\"/>a v\u00e4rderingar a<span class=\"__11 _617\"/>v den \u00f6v<span class=\"__11 _617\"/>er-<span class=\"__11 _624\"> </span>tagna tillg\u00e5ngen efter f<span class=\"__11 _617\"/>\u00f6rsta redo<span class=\"__11 _617\"/>visningstillf<span class=\"__11 _617\"/>\u00e4llet.<span class=\"__11 _624\"> </span>Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__11 _617\"/>ttningar<span class=\"__11 _624\"> </span>Ledningen m\u00e5ste g\u00f6r<span class=\"__11 _617\"/>a kritiska bed\u00f6mningar och uppskatt-<span class=\"__11 _624\"> </span>ningar vid ber\u00e4kningen a<span class=\"__11 _617\"/>v reserveringar f<span class=\"__11 _617\"/>\u00f6r os\u00e4kra l\u00e5nef<span class=\"__11 _617\"/>ord-<span class=\"__11 _624\"> </span>ringar<span class=\"__11 _617\"/>. Nor<span class=\"__11 _617\"/>deas samlade utl\u00e5ning, f\u00f6r<span class=\"__11 _617\"/>e reserveringar f<span class=\"__11 _617\"/>\u00f6r os\u00e4k-<span class=\"__11 _624\"> </span>ra l\u00e5nef<span class=\"__11 _617\"/>ordringar<span class=\"__11 _625\"/><span class=\"__11 _624\">, uppgick till 352 87</span><span class=\"__11 _617\"/>4 mn euro (349 648 mn euro) vid \u00e5r<span class=\"__11 _617\"/>ets slut. F\u00f6r a<span class=\"__11 _617\"/>tt ber\u00e4kna res<span class=\"__11 _617\"/>erver f\u00f6r individuellt bety<span class=\"__11 _617\"/>dande os\u00e4kra for<span class=\"__11 _617\"/>dringar g\u00f6rs bed\u00f6mningar f\u00f6r att uppska<span class=\"__11 _617\"/>tta beloppet och tidpunkten f<span class=\"__11 _617\"/>\u00f6r de f<span class=\"__11 _617\"/>\u00f6rv\u00e4nt<span class=\"__11 _617\"/>ade kassafl\u00f6dena fr<span class=\"__11 _617\"/>\u00e5n kunderna enligt olika scenarier<span class=\"__11 _625\"/>, inklusive v\u00e4rdering a<span class=\"__11 _617\"/>v ev<span class=\"__11 _617\"/>entuella s\u00e4ker-<span class=\"__11 _624\"> </span>heter som erh\u00e5llits. Bed\u00f6mningar g\u00f6rs ocks\u00e5 f\u00f6r a<span class=\"__11 _617\"/>tt komma fram till sannolikheten f<span class=\"__11 _617\"/>\u00f6r a<span class=\"__11 _617\"/>tt de olika scenarierna in<span class=\"__11 _617\"/><span class=\"__11 _624\">tr\u00e4ff</span><span class=\"__11 _617\"/>ar<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Bed\u00f6mningar g\u00f6rs f\u00f6r att v<span class=\"__11 _617\"/>\u00e4rdera n\u00e4r en e<span class=\"__11 _617\"/>xponering har resulter<span class=\"__11 _617\"/>at i en betydande \u00f6kning a<span class=\"__11 _625\"/>v kreditrisken. N\u00e4r s\u00e5 \u00e4r fallet ska reserveringen spegla f<span class=\"__11 _617\"/>\u00f6rv\u00e4ntade kr<span class=\"__11 _617\"/>editf\u00f6rl<span class=\"__11 _617\"/>uster under den \u00e5terst\u00e5ende l\u00f6p<span class=\"__11 _617\"/>tiden, till skillnad fr\u00e5n e<span class=\"__11 _617\"/>xponeringar v<span class=\"__11 _617\"/>ars kredi<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>trisk inte har \u00f6ka<span class=\"__11 _617\"/>t markant d\u00e4r r<span class=\"__11 _617\"/>eserveringen a<span class=\"__11 _617\"/>vser f<span class=\"__11 _617\"/>\u00f6rv\u00e4ntade kreditf<span class=\"__11 _617\"/>\u00f6rluster under de k<span class=\"__11 _617\"/>ommande 12 m\u00e5naderna. Bed\u00f6mning<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ar g\u00f6rs ocks\u00e5 vid valet a<span class=\"__11 _617\"/>v modeller som anv\u00e4nder andr<span class=\"__11 _617\"/>a para<span class=\"__11 _617\"/><span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>metrar vid ber\u00e4kning a<span class=\"__11 _617\"/>v f<span class=\"__11 _617\"/>\u00f6rv\u00e4nt<span class=\"__11 _617\"/>ade kreditf<span class=\"__11 _617\"/>\u00f6rluster<span class=\"__11 _625\"/>, till ex<span class=\"__11 _617\"/>empel den f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tade l\u00f6ptiden som an<span class=\"__11 _617\"/>v\u00e4nds i ka<span class=\"__11 _617\"/>tegori 2, samt vid bed\u00f6mningen av huruvida par<span class=\"__11 _617\"/>ametrarna som an<span class=\"__11 _617\"/>v\u00e4nder hist<span class=\"__11 _617\"/>o<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>riska data \u00e4r rele<span class=\"__11 _617\"/>van<span class=\"__11 _617\"/>ta f\u00f6r uppsk<span class=\"__11 _617\"/>attning a<span class=\"__11 _617\"/>v fram<span class=\"__11 _617\"/>tida f<span class=\"__11 _617\"/>\u00f6rlust<span class=\"__11 _617\"/>er<span class=\"__11 _617\"/>.<span class=\"__11 _624\"> </span>De statis<span class=\"__11 _617\"/>tiska modeller som anv<span class=\"__11 _617\"/>\u00e4nds f\u00f6r a<span class=\"__11 _617\"/>tt ber\u00e4kna re<span class=\"__11 _617\"/>ser-<span class=\"__11 _624\"> </span>veringarna baseras p\u00e5 makr<span class=\"__11 _617\"/>oekonomiska scenarier<span class=\"__11 _625\"/>, vilket kr\u00e4<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>ver att ledningen g\u00f6r bed\u00f6mningar n\u00e4r de tar f<span class=\"__11 _617\"/>ram s\u00e5dana scenarier och anger sannolikheten f<span class=\"__11 _617\"/>\u00f6r att de olika sc<span class=\"__11 _617\"/>enarierna intr<span class=\"__11 _617\"/><span class=\"__11 _624\">\u00e4ffar</span><span class=\"__11 _625\"/>. Bed\u00f6mningar g\u00f6rs ocks\u00e5 f\u00f6r att k<span class=\"__11 _617\"/>omma fram till i vil<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>ken utstr<span class=\"__11 _617\"/>\u00e4ckning parametrarna f<span class=\"__11 _617\"/>\u00f6r de olika sc<span class=\"__11 _617\"/>enarierna, som baserats p\u00e5 his<span class=\"__11 _617\"/>toriska dat<span class=\"__11 _617\"/>a, \u00e4r relevan<span class=\"__11 _617\"/>ta f<span class=\"__11 _617\"/>\u00f6r uppskattning a<span class=\"__11 _617\"/>v fram<span class=\"__11 _617\"/>tida f<span class=\"__11 _617\"/>\u00f6rluster<span class=\"__11 _625\"/>. Justeringar g\u00f6rs a<span class=\"__11 _617\"/>v de modellber\u00e4knade avs\u00e4<span class=\"__11 _617\"/>ttningarna om de historiska uppgift<span class=\"__11 _617\"/>erna inte i tillr<span class=\"__11 _617\"/>\u00e4cklig utstr\u00e4ckning speglar ledningens syn p\u00e5 de f<span class=\"__11 _617\"/>\u00f6rv\u00e4n<span class=\"__11 _617\"/>tade kredit-<span class=\"__11 _624\"> </span>f\u00f6rlus<span class=\"__11 _617\"/>terna. Uppskattningen a<span class=\"__11 _625\"/>v modelljusteringar i efterhand kr\u00e4<span class=\"__11 _617\"/>ver att ledningen g\u00f6r kritisk<span class=\"__11 _617\"/>a bed\u00f6mningar<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>F\u00f6r in<span class=\"__11 _617\"/>forma<span class=\"__11 _617\"/>tion om kritiska bed\u00f6mningar vid uppr\u00e4<span class=\"__11 _617\"/>ttandet av denna \u00e5rsredo<span class=\"__11 _617\"/>visningen till f\u00f6ljd a<span class=\"__11 _625\"/>v os\u00e4kerhet kring hur h\u00f6gre energi- och r<span class=\"__11 _617\"/>\u00e5v<span class=\"__11 _617\"/>arupriser och l\u00e4gre priv<span class=\"__11 _617\"/>atkonsum<span class=\"__11 _617\"/>tion i olika sekt<span class=\"__11 _617\"/>orer p\u00e5 l\u00e5ng sik<span class=\"__11 _617\"/>t kan komma att p\u00e5<span class=\"__11 _617\"/>verk<span class=\"__11 _617\"/>a Nordeas redovisning, se no<span class=\"__11 _617\"/>t K1 \u201dRedovisningsprinciper\u201d<span class=\"__11 _617\"/>.<span class=\"__11 _624\"> </span>Utl\u00e5ning och os\u00e4kra l\u00e5nef<span class=\"__11 _617\"/>ordringar Mn euro<span class=\"__11 _b_10\"> </span>31 dec 2022<span class=\"__11 _c_10\"> </span>31 dec 2021<span class=\"__11 _624\"> </span>Utl\u00e5ning v\u00e4rderad till v<span class=\"__11 _617\"/>erkligt v\u00e4rde<span class=\"__11 _d_10\"> </span><span class=\"ls6_10 ws8_10\">7<span class=\"__11 _626\"/>3 24<span class=\"__11 _626\"/>8<span class=\"__11 _e_10\"> </span></span>75 77<span class=\"__11 _626\"/>2<span class=\"__11 _624\"> </span>Utl\u00e5ning v\u00e4rderad till uppl<span class=\"__11 _617\"/><span class=\"__11 _624\">upet anskaffningsv\u00e4r</span><span class=\"__11 _617\"/>de som int<span class=\"__11 _617\"/>e \u00e4r os\u00e4kra (kategori 1 och 2)<span class=\"__11 _f_10\"> </span>277 371<span class=\"__11 _627\"> </span>270 364<span class=\"__11 _624\"> </span>Os\u00e4kra l\u00e5nef<span class=\"__11 _617\"/>ordringar (kategori 3)<span class=\"__11 _628\"> </span>2 255<span class=\"__11 _629\"> </span>3 512<span class=\"__11 _624\"> </span>- vara<span class=\"__11 _617\"/>v reglerade<span class=\"__11 _630\"> </span>1 111<span class=\"__11 _631\"> </span>1 642<span class=\"__11 _624\"> </span>- vara<span class=\"__11 _617\"/>v oreglerade<span class=\"__11 _632\"> </span>1 144<span class=\"__11 _631\"> </span>1 870<span class=\"__11 _624\"> </span>Utl\u00e5ning f\u00f6re r<span class=\"__11 _617\"/>eserver<span class=\"__11 _633\"> </span>352 87<span class=\"__11 _617\"/>4<span class=\"__11 _634\"> </span>349 648<span class=\"__11 _624\"> </span>- vara<span class=\"__11 _617\"/>v cen<span class=\"__11 _617\"/>tralbanker och kreditins<span class=\"__11 _617\"/>titut<span class=\"__11 _635\"> </span>5 487<span class=\"__11 _631\"> </span>2 395<span class=\"__11 _624\"> </span>Reserver f<span class=\"__11 _617\"/>\u00f6r individuellt v\u00e4rder<span class=\"__11 _617\"/>ade l\u00e5nefor<span class=\"__11 _617\"/>dringar (kategori 3)<span class=\"__11 _636\"> </span>-1 045<span class=\"__11 _1a_7\"> </span>-1 610<span class=\"__11 _624\"> </span>- vara<span class=\"__11 _617\"/>v reglerade<span class=\"__11 _630\"> </span>-556<span class=\"__11 _1b_7\"> </span>-800<span class=\"__11 _624\"> </span>- vara<span class=\"__11 _617\"/>v oreglerade<span class=\"__11 _1c_7\"> </span><span class=\"ls7_10 ws9_10\">-489<span class=\"__11 _1d_7\"> </span></span>-810<span class=\"__11 _624\"> </span>Reserver f<span class=\"__11 _617\"/>\u00f6r gruppvisa v\u00e4rder<span class=\"__11 _617\"/>ade l\u00e5nefor<span class=\"__11 _617\"/>dringar (kategori 1 och 2)<span class=\"__11 _1e_7\"> </span>-628<span class=\"__11 _1f_7\"> </span>-596<span class=\"__11 _624\"> </span>Reserver<span class=\"__11 _637\"> </span>-1 673<span class=\"__11 _e_10\"> </span>-<span class=\"__11 _617\"/>2 206<span class=\"__11 _624\"> </span>- vara<span class=\"__11 _617\"/>v cen<span class=\"__11 _617\"/>tralbanker och kreditins<span class=\"__11 _617\"/>titut<span class=\"__11 _638\"> </span><span class=\"ls6_10 ws8_10\">-29<span class=\"__11 _639\"> </span></span>-3<span class=\"__11 _624\"> </span>Utl\u00e5ning, redovisat v<span class=\"__11 _617\"/>\u00e4rde<span class=\"__11 _640\"> </span>351 201<span class=\"__11 _641\"> </span>347 442<span class=\"__11 _624\"> </span>Nordea har l\u00e5nat ut 159 md euro (1<span class=\"__11 _617\"/>70 md euro) i h<span class=\"__11 _617\"/>ypoteksl\u00e5n. Inga kr<span class=\"__11 _617\"/>editer till f<span class=\"__11 _617\"/><span class=\"__11 _624\">\u00f6rmedlare eller off</span><span class=\"__11 _617\"/>en<span class=\"__11 _617\"/>tlig sekt<span class=\"__11 _617\"/>or har beviljats.<span class=\"__11 _624\"> </span>2.<span class=\"__14 _b_13\"/>11 Utl\u00e5ning till f\u00f6r<span class=\"__14 _b_13\"/>etagskunder<span class=\"__14 _1ce\"> </span>Utl\u00e5ningen till f\u00f6r<span class=\"__14 _1058\"/>etagskunder uppgick vid utg\u00e5ngen a<span class=\"__14 _b_13\"/>v 2022 <span class=\"__14 _1ce\">till 159 md euro (153 md euro</span><span class=\"__14 _1058\"/>). Den bransch som \u00f6kade mes<span class=\"__14 _b_13\"/>t i absoluta termer under \u00e5r<span class=\"__14 _1058\"/>et var Industri, medan Samh\u00e4llsn<span class=\"__14 _1058\"/>yt-<span class=\"__14 _1ce\"> </span>tiga tj\u00e4nster minskade mes<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>. De tre st\u00f6rsta br<span class=\"__14 _1058\"/>anscherna (F<span class=\"__14 _b_13\"/>ast-<span class=\"__14 _1ce\"> </span>ighetsbolag, Finansinstitut och Industri) sv<span class=\"__14 _b_13\"/>arade tillsammans <span class=\"__14 _1ce\">f\u00f6r cirka 60 pr</span><span class=\"__14 _b_13\"/>ocent av den samlade utl\u00e5ningen till f<span class=\"__14 _b_13\"/>\u00f6retag. F<span class=\"__14 _b_13\"/>astighetsbolag var fortsatt den s<span class=\"__14 _1058\"/>t\u00f6rsta brans<span class=\"__14 _1058\"/>chen i Nordeas <span class=\"__14 _1ce\">kreditportf\u00f6lj, med 44,6 md euro (</span><span class=\"__14 _b_13\"/>46,5 md euro). F<span class=\"__14 _b_13\"/>astighets-<span class=\"__14 _1ce\"> </span>kreditportf\u00f6ljen dominer<span class=\"__14 _1058\"/>as av r<span class=\"__14 _b_13\"/>elativt stora och \ufb01nansiellt starka f<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">\u00f6retag, med 94 procent (94 pr</span><span class=\"__14 _b_13\"/>ocent) av e<span class=\"__14 _b_13\"/>xponeringen i ratingklass 4\u2013 och h\u00f6gr<span class=\"__14 _1058\"/>e. Som framg\u00e5r a<span class=\"__14 _b_13\"/>v tabellen nedan \u00e4r utl\u00e5ningen till f\u00f6r<span class=\"__14 _1058\"/>etagskunder v\u00e4l div<span class=\"__14 _b_13\"/>er<span class=\"__14 _1072\"/>si\ufb01erad sett till l\u00e5nens <span class=\"__14 _1ce\">storlek. Cirka 64 procen</span><span class=\"__14 _b_13\"/>t (68 procent) a<span class=\"__14 _b_13\"/>v f\u00f6retagsutl\u00e5ningen avser l\u00e5n p\u00e5 upp till 50 mn eur<span class=\"__14 _b_13\"/>o per kund.<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till f\u00f6r<span class=\"__14 _1058\"/>etagskunder<span class=\"__14 _b_13\"/>, efter l\u00e5nets st<span class=\"__14 _1058\"/>orlek<span class=\"__14 _1ce\"> </span>31 dec 2022<span class=\"__14 _1153\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span>Storlek i mn euro<span class=\"__14 _1ce\"> </span>Utl\u00e5ning    md euro<span class=\"__14 _1147\"> </span>%<span class=\"__14 _1ce\"> </span>Utl\u00e5ning    md euro<span class=\"__14 _1147\"> </span>%<span class=\"__14 _1ce\"> </span>0\u201310<span class=\"__14 _ab_6\"> </span>64,0<span class=\"__14 _4c_6\"> </span>40<span class=\"__14 _8f_6\"> </span>65,5<span class=\"__14 _4c_6\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _1ce\"> </span></span>11\u201350<span class=\"__14 _ac_6\"> </span>38,3<span class=\"__14 _1130\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1121\"> </span><span class=\"ls15_11 ws3b_5\">3<span class=\"__14 _1072\"/>7,<span class=\"__14 _1072\"/>7<span class=\"__14 _1104\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1ce\"> </span></span></span></span>51\u2013100<span class=\"__14 _ad_6\"> </span><span class=\"ls0_14 ws0_14\">20,5<span class=\"__14 _1104\"> </span>13<span class=\"__14 _1115\"> </span><span class=\"ls1b_8 ws41_5\">1<span class=\"__14 _b_13\"/>8,8<span class=\"__14 _1129\"> </span><span class=\"ls0_14 ws0_14\">12<span class=\"__14 _1ce\"> </span></span></span></span>101\u2013<span class=\"__14 _b_13\"/>2<span class=\"__14 _1072\"/>50<span class=\"__14 _ae_7\"> </span>21,6<span class=\"__14 _1104\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1115\"> </span></span>19,6<span class=\"__14 _1104\"> </span>13<span class=\"__14 _1ce\"> </span>251\u2013500<span class=\"__14 _af_7\"> </span>9,3<span class=\"__14 _1106\"> </span>6<span class=\"__14 _4c_6\"> </span><span class=\"ls17_11 ws3d_5\">5<span class=\"__14 _1066\"/>,1<span class=\"__14 _b0_6\"> </span></span>3<span class=\"__14 _1ce\"> </span>501\u2013<span class=\"__14 _b1_6\"> </span>5,5<span class=\"__14 _1106\"> </span>3<span class=\"__14 _a6_7\"> </span>6,0<span class=\"__14 _1106\"> </span>4<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _b2_7\"> </span>159,2<span class=\"__14 _1121\"> </span>100<span class=\"__14 _3f_8\"> </span>152,<span class=\"__14 _1058\"/>7<span class=\"__14 _1121\"> </span>100<span class=\"__14 _1ce\"> </span>2.<span class=\"__14 _b_13\"/>12 Utl\u00e5ning till privatk<span class=\"__14 _b_13\"/>under Utl\u00e5ningen till privatk<span class=\"__14 _b_13\"/>under minskade under 2022 med <span class=\"__14 _1ce\">3,4 procen</span><span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/><span class=\"__14 _1ce\">, till 181 md euro (188 md euro). Minskningen </span>avs\u00e5g alla nor<span class=\"__14 _b_13\"/>diska l\u00e4nder utom Finland och var huvudsakli-<span class=\"__14 _1ce\"> </span>gen h\u00e4nf<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">\u00f6rlig till bol\u00e5n. Bol\u00e5nen minskade till 155 md euro </span>(162 md euro), medan konsum<span class=\"__14 _b_13\"/>tionsl\u00e5nen \u00f6kade n\u00e5got till <span class=\"__14 _1ce\">26 md euro (25 md euro). Bol\u00e5nens andel a</span><span class=\"__14 _b_13\"/>v utl\u00e5ningen till privatk<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">under var stabil med 86 procen</span><span class=\"__14 _b_13\"/>t (86 procent).<span class=\"__14 _1ce\"> </span><div class=\"t_14 m0_14 h5_13 ff1_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:843.5738px;\">Utl\u00e5ning till allm\u00e4nheten, v\u00e4rder<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ad till upplupet anskaffningsv\u00e4rde och v</span><span class=\"__14 _b_13\"/>erkligt v\u00e4rde<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:827.0398px;\">31 dec 2022, mn euro<span class=\"__14 _b3_6\"> </span>Danmark<span class=\"__14 _1130\"> </span>Finland<span class=\"__14 _b0_6\"> </span>Norge<span class=\"__14 _1113\"> </span><span class=\"__14 _1ce\">Sverige1</span><span class=\"__14 _8d_6\"> </span><span class=\"__14 _1ce\">\u00d6vrigt1</span><span class=\"__14 _1130\"> </span>Summa </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:809.89655px;\">Finansinstitut<span class=\"__14 _b4_6\"> </span>3 004<span class=\"__14 _1156\"> </span>1 834<span class=\"__14 _1152\"> </span>1 218<span class=\"__14 _b0_6\"> </span>8 430<span class=\"__14 _b5_7\"> </span><span class=\"ls18_10 ws3e_5\">597<span class=\"__14 _1136\"> </span></span>15 083<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:792.75214px;\">Jordbruk<span class=\"__14 _b6_7\"> </span>4 880<span class=\"__14 _b5_7\"> </span>352<span class=\"__14 _b7_7\"> </span>3 039<span class=\"__14 _8e_6\"> </span>161<span class=\"__14 _b8_6\"> </span>5<span class=\"__14 _b7_7\"> </span>8 437</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:776.1174px;\">     Gr\u00f6dor<span class=\"__14 _b_13\"/>, odling och jakt<span class=\"__14 _b9_7\"> </span><span class=\"ls18_10 ws3e_5\">2 797<span class=\"__14 _8e_6\"> </span><span class=\"ls14_11 ws3a_5\">173<span class=\"__14 _8e_6\"> </span></span></span>118<span class=\"__14 _4b_6\"> </span>107<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _aa_6\"> </span>3 199</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:759.71px;\">     Djurh\u00e5llning<span class=\"__14 _ba_7\"> </span>2 069<span class=\"__14 _1079\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1072\"/>3<span class=\"__14 _1079\"> </span></span>125<span class=\"__14 _1093\"> </span>53<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b7_7\"> </span>2 420</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:743.30273px;\">     Fiske och vatt<span class=\"__14 _1058\"/>enbruk<span class=\"__14 _1099\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1087\"> </span></span>6<span class=\"__14 _aa_6\"> </span>2 796<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _aa_6\"> </span>2 818<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:726.89545px;\">Naturresurser<span class=\"__14 _bc_6\"> </span>188<span class=\"__14 _1152\"> </span>1 120<span class=\"__14 _9b_6\"> </span>1 07<span class=\"__14 _1072\"/>7<span class=\"__14 _8e_6\"> </span><span class=\"ls14_11 ws3a_5\">517<span class=\"__14 _4b_6\"> </span></span>201<span class=\"__14 _1156\"> </span>3 103</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:710.48816px;\">     Pappers- och skogsproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _bd_7\"> </span>162<span class=\"__14 _1101\"> </span>859<span class=\"__14 _1101\"> </span>483<span class=\"__14 _b5_7\"> </span>452<span class=\"__14 _1079\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1072\"/>7<span class=\"__14 _1152\"> </span></span>2 133</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:694.0808px;\">     Gruvdrift och kringverksamhet<span class=\"__14 _8a_6\"> </span>9<span class=\"__14 _be_7\"> </span>225<span class=\"__14 _4b_6\"> </span>120<span class=\"__14 _a3_6\"> </span>63<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _b5_7\"> </span>418</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:677.6735px;\"><span class=\"__14 _1ce\">     Olje-, gas- och offshore-verksamhet</span><span class=\"__14 _1097\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _a3_6\"> </span></span>36<span class=\"__14 _be_7\"> </span><span class=\"ls1f_7 ws45_4\">4<span class=\"__14 _1066\"/>74<span class=\"__14 _bf_7\"> </span></span>2<span class=\"__14 _1093\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _b5_7\"> </span></span>552<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:661.26624px;\">Konsument dagligv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _c0_7\"> </span>2 300<span class=\"__14 _b5_7\"> </span>881<span class=\"__14 _1151\"> </span>809<span class=\"__14 _1155\"> </span>1 593<span class=\"__14 _a2_6\"> </span>68<span class=\"__14 _1155\"> </span>5 651</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:644.85895px;\">     Livsmedel och drycker<span class=\"__14 _c1_6\"> </span>541<span class=\"__14 _1101\"> </span>364<span class=\"__14 _b5_7\"> </span>453<span class=\"__14 _1151\"> </span>480<span class=\"__14 _1092\"> </span>19<span class=\"__14 _1155\"> </span>1 857</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:628.45166px;\">     Hush\u00e5lls- och hygienproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1116\"> </span>168<span class=\"__14 _a3_6\"> </span>87<span class=\"__14 _4b_6\"> </span>126<span class=\"__14 _b5_7\"> </span>356<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _b5_7\"> </span>739</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:612.0443px;\">     H\u00e4lsov\u00e5rd<span class=\"__14 _c2_7\"> </span>1 591<span class=\"__14 _1101\"> </span>430<span class=\"__14 _c3_6\"> </span>230<span class=\"__14 _4b_6\"> </span><span class=\"ls14_11 ws3a_5\">757<span class=\"__14 _1092\"> </span></span>47<span class=\"__14 _b7_7\"> </span>3 055<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:595.637px;\">Konsument s\u00e4llank<span class=\"__14 _b_13\"/>\u00f6p och tj\u00e4nster<span class=\"__14 _c4_6\"> </span><span class=\"ls16_11 ws3c_5\">2 24<span class=\"__14 _1072\"/>8<span class=\"__14 _b7_7\"> </span></span>2 445<span class=\"__14 _9b_6\"> </span>2 7<span class=\"__14 _b_13\"/>45<span class=\"__14 _b7_7\"> </span>5 296<span class=\"__14 _1093\"> </span>82<span class=\"__14 _1148\"> </span>12 816</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:579.22974px;\">     Konsumentk<span class=\"__14 _1058\"/>apitalvar<span class=\"__14 _b_13\"/>or<span class=\"__14 _c5_7\"> </span>186<span class=\"__14 _b5_7\"> </span><span class=\"ls14_11 ws3a_5\">376<span class=\"__14 _b5_7\"> </span></span>203<span class=\"__14 _1156\"> </span>1 807<span class=\"__14 _1092\"> </span>81<span class=\"__14 _aa_6\"> </span>2 653</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:562.82245px;\">     Media och underh\u00e5llning<span class=\"__14 _c6_6\"> </span>609<span class=\"__14 _b5_7\"> </span>333<span class=\"__14 _b5_7\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>8<span class=\"__14 _aa_6\"> </span></span>1 084<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1109\"> </span><span class=\"ls1f_7 ws45_4\">2<span class=\"__14 _1066\"/> 1<span class=\"__14 _1072\"/>74</span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:546.41516px;\">     Detaljhandel<span class=\"__14 _c7_6\"> </span>720<span class=\"__14 _1156\"> </span>1 204<span class=\"__14 _1152\"> </span>1 199<span class=\"__14 _1156\"> </span>1 663<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b0_6\"> </span>4 786</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:530.0078px;\">     Flygre<span class=\"__14 _1058\"/>sor<span class=\"__14 _c8_7\"> </span><span class=\"ls20_7 ws46_4\">73<span class=\"__14 _1093\"> </span></span>35<span class=\"__14 _a3_6\"> </span>59<span class=\"__14 _1092\"> </span>19<span class=\"__14 _1087\"> </span>0<span class=\"__14 _be_7\"> </span>186</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:513.6005px;\">     Logi och fritid<span class=\"__14 _c9_7\"> </span>582<span class=\"__14 _1151\"> </span>448<span class=\"__14 _b5_7\"> </span>703<span class=\"__14 _c3_6\"> </span><span class=\"ls1e_7 ws44_4\">425<span class=\"__14 _1087\"> </span></span>0<span class=\"__14 _1155\"> </span>2 158</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:497.19324px;\">     <span class=\"__14 _1058\"/>T<span class=\"__14 _1c_10\"/>elekomtj\u00e4nster<span class=\"__14 _ca_6\"> </span>78<span class=\"__14 _a2_6\"> </span>49<span class=\"__14 _c3_6\"> </span>4<span class=\"__14 _1072\"/>33<span class=\"__14 _1101\"> </span>298<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1101\"> </span>859<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:480.78595px;\">Industri<span class=\"__14 _cb_6\"> </span>8 225<span class=\"__14 _b7_7\"> </span>7 058<span class=\"__14 _b7_7\"> </span>9 539<span class=\"__14 _1148\"> </span>11 007<span class=\"__14 _1101\"> </span>2<span class=\"__14 _1072\"/>58<span class=\"__14 _1104\"> </span>36 087</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:464.37866px;\">     R\u00e5v<span class=\"__14 _1058\"/>aror<span class=\"__14 _cc_7\"> </span>506<span class=\"__14 _b5_7\"> </span><span class=\"ls14_11 ws3a_5\">57<span class=\"__14 _1072\"/>3<span class=\"__14 _4b_6\"> </span></span>301<span class=\"__14 _1152\"> </span>1 222<span class=\"__14 _1093\"> </span>26<span class=\"__14 _b7_7\"> </span>2 628</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:447.9713px;\">     Kapitalv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _cd_6\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _1072\"/>4<span class=\"__14 _1109\"> </span></span>1 616<span class=\"__14 _1101\"> </span>200<span class=\"__14 _1156\"> </span>1 286<span class=\"__14 _1092\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _b7_7\"> </span></span>3 918</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:431.56403px;\">     Producenttj\u00e4ns<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1078\"> </span>1 861<span class=\"__14 _c3_6\"> </span>901<span class=\"__14 _1156\"> </span>2 379<span class=\"__14 _b7_7\"> </span>2 062<span class=\"__14 _8e_6\"> </span>118<span class=\"__14 _1152\"> </span>7 321</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:415.15674px;\">     Byggindustri<span class=\"__14 _c9_7\"> </span><span class=\"ls14_11 ws3a_5\">1 177<span class=\"__14 _1109\"> </span></span>1 451<span class=\"__14 _1156\"> </span>4 377<span class=\"__14 _1156\"> </span>2 473<span class=\"__14 _1086\"> </span>3<span class=\"__14 _b7_7\"> </span>9 481</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:398.74945px;\">     Partihandel<span class=\"__14 _ce_7\"> </span>2 921<span class=\"__14 _9b_6\"> </span>1 166<span class=\"__14 _1152\"> </span>1 031<span class=\"__14 _1156\"> </span>2 52<span class=\"__14 _1072\"/>5<span class=\"__14 _1092\"> </span>31<span class=\"__14 _1155\"> </span>7 674</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:382.34216px;\">     Marktransport<span class=\"__14 _cf_6\"> </span>655<span class=\"__14 _1101\"> </span>863<span class=\"__14 _1101\"> </span>695<span class=\"__14 _b5_7\"> </span>675<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _b7_7\"> </span>2 892</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:365.93484px;\">     IT<span class=\"__14 _b_13\"/>-tj\u00e4nster<span class=\"__14 _d0_6\"> </span>361<span class=\"__14 _1151\"> </span>488<span class=\"__14 _c3_6\"> </span>556<span class=\"__14 _c3_6\"> </span><span class=\"ls14_11 ws3a_5\">76<span class=\"__14 _1072\"/>4<span class=\"__14 _b8_6\"> </span></span>4<span class=\"__14 _1152\"> </span><span class=\"ls14_11 ws3a_5\">2 17<span class=\"__14 _1072\"/>3<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:349.52753px;\">Sj\u00f6fart<span class=\"__14 _d1_6\"> </span><span class=\"ls14_11 ws3a_5\">314<span class=\"__14 _1153\"> </span>151<span class=\"__14 _b7_7\"> </span></span>5 076<span class=\"__14 _a3_6\"> </span>96<span class=\"__14 _c3_6\"> </span>363<span class=\"__14 _1106\"> </span>6 000</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:333.12024px;\">     V<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>vsindustri<span class=\"__14 _d2_6\"> </span>0<span class=\"__14 _1092\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _6c_6\"> </span></span>111<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1079\"> </span>125</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:316.71295px;\">     Sj\u00f6transport<span class=\"__14 _d3_6\"> </span>181<span class=\"__14 _a3_6\"> </span>39<span class=\"__14 _b0_6\"> </span>4 820<span class=\"__14 _a2_6\"> </span>88<span class=\"__14 _c3_6\"> </span>363<span class=\"__14 _1156\"> </span>5 491</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:300.30563px;\">     Sj\u00f6fartstj\u00e4ns<span class=\"__14 _1058\"/>ter<span class=\"__14 _d4_7\"> </span>133<span class=\"__14 _a2_6\"> </span>98<span class=\"__14 _4b_6\"> </span><span class=\"ls14_11 ws3a_5\">145<span class=\"__14 _b8_6\"> </span></span>8<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1101\"> </span>384<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:283.89835px;\">Samh\u00e4llsnyttiga tj\u00e4nster<span class=\"__14 _d5_6\"> </span>1 583<span class=\"__14 _1155\"> </span>3 519<span class=\"__14 _b7_7\"> </span>1 860<span class=\"__14 _1109\"> </span>1 316<span class=\"__14 _1087\"> </span>0<span class=\"__14 _aa_6\"> </span>8 278</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:267.49103px;\">     El, vatten och gas<span class=\"__14 _d6_6\"> </span>1 166<span class=\"__14 _9b_6\"> </span>1 525<span class=\"__14 _1101\"> </span>985<span class=\"__14 _8e_6\"> </span>771<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b7_7\"> </span>4 447</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:251.08374px;\">     Kraftproduk<span class=\"__14 _b_13\"/>tion<span class=\"__14 _ca_6\"> </span>62<span class=\"__14 _aa_6\"> </span>1 840<span class=\"__14 _1151\"> </span>680<span class=\"__14 _4b_6\"> </span>415<span class=\"__14 _1087\"> </span>0<span class=\"__14 _aa_6\"> </span>2 997</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:234.67645px;\">     Allm\u00e4nnyttiga f<span class=\"__14 _b_13\"/>\u00f6retag<span class=\"__14 _d7_6\"> </span>355<span class=\"__14 _be_7\"> </span>154<span class=\"__14 _4b_6\"> </span>195<span class=\"__14 _be_7\"> </span>130<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1101\"> </span>834<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:218.26913px;\">F<span class=\"__14 _b_13\"/>astighetsbolag<span class=\"__14 _d8_7\"> </span>8 736<span class=\"__14 _1106\"> </span>8 006<span class=\"__14 _1155\"> </span>9 921<span class=\"__14 _1147\"> </span>17 853<span class=\"__14 _1153\"> </span>115<span class=\"__14 _1129\"> </span>44 631</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:201.03375px;\">     Kommersiella fas<span class=\"__14 _b_13\"/>tigheter<span class=\"__14 _d9_6\"> </span>4 215<span class=\"__14 _da_6\"> </span>4 498<span class=\"__14 _da_6\"> </span>8 388<span class=\"__14 _b7_7\"> </span>8 032<span class=\"__14 _8e_6\"> </span>115<span class=\"__14 _1129\"> </span><span class=\"ls16_11 ws3c_5\">2<span class=\"__14 _1072\"/>5 24<span class=\"__14 _1072\"/>8</span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:184.62643px;\">     Bostadsfas<span class=\"__14 _b_13\"/>tigheter<span class=\"__14 _db_6\"> </span>4 521<span class=\"__14 _b0_6\"> </span>3 508<span class=\"__14 _9b_6\"> </span>1 533<span class=\"__14 _1156\"> </span>9 821<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1136\"> </span>19 383<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:168.21915px;\">\u00d6vriga branscher<span class=\"__14 _ca_6\"> </span>489<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _8e_6\"> </span><span class=\"ls14_11 ws3a_5\">114<span class=\"__14 _2a_8\"> </span>51<span class=\"__14 _bf_7\"> </span></span>1<span class=\"__14 _c3_6\"> </span>655<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:152.54895px;\">Summa f\u00f6retagsk<span class=\"__14 _b_13\"/>under<span class=\"__14 _dc_6\"> </span>31 967<span class=\"__14 _1104\"> </span>25 366<span class=\"__14 _1104\"> </span>35 398<span class=\"__14 _1130\"> </span>46 320<span class=\"__14 _b7_7\"> </span>1 690<span class=\"__14 _a6_7\"> </span>140 7<span class=\"__14 _b_13\"/>41</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:136.14163px;\">   Bol\u00e5n<span class=\"__14 _dd_7\"> </span>34 557<span class=\"__14 _1148\"> </span>34 113<span class=\"__14 _1147\"> </span>35 757<span class=\"__14 _1129\"> </span>51 069<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1120\"> </span>155 496</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:119.734344px;\">   L\u00e5n mot s\u00e4kerhet<span class=\"__14 _de_6\"> </span>9 288<span class=\"__14 _b0_6\"> </span>6 208<span class=\"__14 _1155\"> </span>2 357<span class=\"__14 _9b_6\"> </span>2 241<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1130\"> </span>20 094</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:103.32704px;\">   L\u00e5n utan s\u00e4kerhet<span class=\"__14 _df_6\"> </span>1 017<span class=\"__14 _9b_6\"> </span>2 133<span class=\"__14 _c3_6\"> </span>383<span class=\"__14 _1155\"> </span><span class=\"ls14_11 ws3a_5\">2<span class=\"__14 _1072\"/> 143<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _b7_7\"> </span>5 676<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:86.91974px;\">Privatkunder<span class=\"__14 _e0_6\"> </span>44 862<span class=\"__14 _a1_6\"> </span>4<span class=\"__14 _1072\"/>2 454<span class=\"__14 _1104\"> </span>38 49<span class=\"__14 _1058\"/>7<span class=\"__14 _1104\"> </span>55 453<span class=\"__14 _1087\"> </span><span class=\"ff2_14\">0<span class=\"__14 _a6_7\"> </span></span>181 266<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:70.512436px;\"><span class=\"__14 _1ce\">Offen</span><span class=\"__14 _1058\"/>tlig sektor<span class=\"__14 _e1_6\"> </span>1 131<span class=\"__14 _e2_6\"> </span>848<span class=\"__14 _1092\"> </span>19<span class=\"__14 _b0_6\"> </span>3 268<span class=\"__14 _1087\"> </span><span class=\"ff2_14\">0<span class=\"__14 _b7_7\"> </span></span>5 266<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:54.10515px;\">Omv\u00e4nda repor<span class=\"__14 _e3_6\"> </span><span class=\"ff2_14\">0<span class=\"__14 _1104\"> </span></span>18 470<span class=\"__14 _b8_6\"> </span><span class=\"ff2_14\">0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1104\"> </span></span>18 470<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:37.697845px;\">Utl\u00e5ning till allm\u00e4nheten per land<span class=\"__14 _e4_6\"> </span>77 960<span class=\"__14 _1136\"> </span>87 138<span class=\"__14 _1129\"> </span>7<span class=\"__14 _1072\"/>3 914<span class=\"__14 _1120\"> </span>105 041<span class=\"__14 _b7_7\"> </span>1 690<span class=\"__14 _5f_6\"> </span>345 7<span class=\"__14 _b_13\"/>4<span class=\"__14 _1072\"/>3</div><div class=\"t_14 m0_14 hd_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:21.290543px;\">    vara<span class=\"__14 _b_13\"/>v v\u00e4rderad till verkligt v\u00e4r<span class=\"__14 _1058\"/>de<span class=\"__14 _e5_6\"> </span>52 089<span class=\"__14 _1136\"> </span>18 523<span class=\"__14 _1092\"> </span>15<span class=\"__14 _b8_6\"> </span><span class=\"ff2_14\">0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1129\"> </span></span>70 627<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hf_13 ff2_14 fs8_12 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:1.6899261px;\">1)  L\u00e5n avseende Ryssland (<span class=\"__14 _b_13\"/>4 mn euro) och Baltikum (116 mn euro) som bokf<span class=\"__14 _b_13\"/>\u00f6rts i Sverige har flyttats till \u00d6vrigt.<span class=\"__14 _1ce\"> </span></div>Utl\u00e5ning till allm\u00e4nheten, v\u00e4rder<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ad till upplupet anskaffningsv\u00e4rde och v</span><span class=\"__14 _b_13\"/>erkligt v\u00e4rde<span class=\"__14 _1ce\"> </span>31 dec 2021, mn euro<span class=\"__14 _e6_6\"> </span>Danmark<span class=\"__14 _1130\"> </span>Finland<span class=\"__14 _da_6\"> </span>Norge<span class=\"__14 _6a_6\"> </span><span class=\"__14 _1ce\">Sverige1</span><span class=\"__14 _8d_6\"> </span><span class=\"__14 _1ce\">\u00d6vrigt1</span><span class=\"__14 _1130\"> </span>Summa Finansinstitut<span class=\"__14 _e7_6\"> </span><span class=\"ls1f_7 ws45_4\">2<span class=\"__14 _1072\"/> 74<span class=\"__14 _1066\"/>2<span class=\"__14 _1102\"> </span></span>1 7<span class=\"__14 _b_13\"/>45<span class=\"__14 _1156\"> </span>1 380<span class=\"__14 _b7_7\"> </span>6 769<span class=\"__14 _1155\"> </span>1 190<span class=\"__14 _1147\"> </span>13 826<span class=\"__14 _1ce\"> </span>Jordbruk<span class=\"__14 _cc_7\"> </span>5 422<span class=\"__14 _1101\"> </span>346<span class=\"__14 _1152\"> </span>2 719<span class=\"__14 _1079\"> </span><span class=\"ls14_11 ws3a_5\">176<span class=\"__14 _b8_6\"> </span></span>5<span class=\"__14 _da_6\"> </span>8 668     Gr\u00f6dor<span class=\"__14 _b_13\"/>, odling och jakt<span class=\"__14 _b9_7\"> </span>3 165<span class=\"__14 _b5_7\"> </span>189<span class=\"__14 _be_7\"> </span>106<span class=\"__14 _1153\"> </span><span class=\"ls14_11 ws3a_5\">117<span class=\"__14 _1086\"> </span></span>5<span class=\"__14 _b7_7\"> </span>3 582     Djurh\u00e5llning<span class=\"__14 _e0_6\"> </span>2 2<span class=\"__14 _1072\"/>38<span class=\"__14 _4b_6\"> </span>155<span class=\"__14 _1153\"> </span>121<span class=\"__14 _a3_6\"> </span>58<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1156\"> </span><span class=\"ls14_11 ws3a_5\">2 57<span class=\"__14 _1072\"/>2</span>     Fiske och vatt<span class=\"__14 _1058\"/>enbruk<span class=\"__14 _e8_7\"> </span>19<span class=\"__14 _1086\"> </span>2<span class=\"__14 _b7_7\"> </span>2 492<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1155\"> </span><span class=\"ls14_11 ws3a_5\">2<span class=\"__14 _1072\"/> 514<span class=\"__14 _1ce\"> </span></span>Naturresurser<span class=\"__14 _e9_7\"> </span>221<span class=\"__14 _b7_7\"> </span>1 064<span class=\"__14 _1109\"> </span>1 134<span class=\"__14 _1153\"> </span><span class=\"ls14_11 ws3a_5\">511<span class=\"__14 _4b_6\"> </span></span>210<span class=\"__14 _1156\"> </span>3 140     Pappers- och skogsproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _ea_7\"> </span>181<span class=\"__14 _e2_6\"> </span>888<span class=\"__14 _c3_6\"> </span>4<span class=\"__14 _1072\"/>35<span class=\"__14 _1151\"> </span>460<span class=\"__14 _a3_6\"> </span>94<span class=\"__14 _b7_7\"> </span>2 058     Gruvdrift och kringverksamhet<span class=\"__14 _bd_7\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _4b_6\"> </span></span>158<span class=\"__14 _4b_6\"> </span>136<span class=\"__14 _a2_6\"> </span>49<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1101\"> </span>360<span class=\"__14 _1ce\">     Olje-, gas- och offshore-verksamhet</span><span class=\"__14 _eb_6\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1092\"> </span></span>18<span class=\"__14 _1101\"> </span>563<span class=\"__14 _1086\"> </span>2<span class=\"__14 _8e_6\"> </span>116<span class=\"__14 _b5_7\"> </span>7<span class=\"__14 _1072\"/>22<span class=\"__14 _1ce\"> </span>Konsument dagligv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _ec_6\"> </span>1 533<span class=\"__14 _b7_7\"> </span>1 099<span class=\"__14 _be_7\"> </span>681<span class=\"__14 _1156\"> </span>1 590<span class=\"__14 _a2_6\"> </span>66<span class=\"__14 _da_6\"> </span>4 969     Livsmedel och drycker<span class=\"__14 _ed_6\"> </span>235<span class=\"__14 _4b_6\"> </span>277<span class=\"__14 _b5_7\"> </span>307<span class=\"__14 _1101\"> </span>405<span class=\"__14 _1093\"> </span>20<span class=\"__14 _1156\"> </span>1 244     Hush\u00e5lls- och hygienproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1108\"> </span><span class=\"ls14_11 ws3a_5\">171<span class=\"__14 _a2_6\"> </span></span>60<span class=\"__14 _4b_6\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>2<span class=\"__14 _1101\"> </span></span>486<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _be_7\"> </span>861     H\u00e4lsov\u00e5rd<span class=\"__14 _ee_7\"> </span>1 127<span class=\"__14 _b5_7\"> </span><span class=\"ls14_11 ws3a_5\">76<span class=\"__14 _1072\"/>2<span class=\"__14 _be_7\"> </span></span>232<span class=\"__14 _1101\"> </span>699<span class=\"__14 _a2_6\"> </span>44<span class=\"__14 _b0_6\"> </span>2 864<span class=\"__14 _1ce\"> </span>Konsument s\u00e4llank<span class=\"__14 _b_13\"/>\u00f6p och tj\u00e4nster<span class=\"__14 _ef_6\"> </span>2 220<span class=\"__14 _aa_6\"> </span>2 282<span class=\"__14 _b7_7\"> </span>2 4<span class=\"__14 _1072\"/>20<span class=\"__14 _da_6\"> </span>4 894<span class=\"__14 _1093\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _8d_6\"> </span></span>11 841     Konsumentk<span class=\"__14 _1058\"/>apitalvar<span class=\"__14 _b_13\"/>or<span class=\"__14 _f0_7\"> </span>167<span class=\"__14 _4b_6\"> </span><span class=\"ls14_11 ws3a_5\">314<span class=\"__14 _be_7\"> </span></span>158<span class=\"__14 _1155\"> </span>1 697<span class=\"__14 _2a_8\"> </span>21<span class=\"__14 _9b_6\"> </span>2 357     Media och underh\u00e5llning<span class=\"__14 _f1_6\"> </span>552<span class=\"__14 _1079\"> </span>371<span class=\"__14 _4b_6\"> </span>150<span class=\"__14 _b5_7\"> </span>7<span class=\"__14 _1072\"/>33<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b7_7\"> </span>1 806     Detaljhandel<span class=\"__14 _1112\"> </span><span class=\"ls1b_8 ws41_5\">723<span class=\"__14 _1156\"> </span></span>1 047<span class=\"__14 _aa_6\"> </span>1 04<span class=\"__14 _1072\"/>2<span class=\"__14 _1156\"> </span>1 656<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _b7_7\"> </span>4 472     Flygre<span class=\"__14 _1058\"/>sor<span class=\"__14 _f2_6\"> </span>58<span class=\"__14 _a3_6\"> </span>45<span class=\"__14 _1093\"> </span>87<span class=\"__14 _1092\"> </span>61<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1079\"> </span><span class=\"ls14_11 ws3a_5\">2<span class=\"__14 _1072\"/>51</span>     Logi och fritid<span class=\"__14 _f3_6\"> </span>636<span class=\"__14 _1101\"> </span>47<span class=\"__14 _1072\"/>9<span class=\"__14 _1151\"> </span>604<span class=\"__14 _c3_6\"> </span>503<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1155\"> </span>2 222     <span class=\"__14 _1058\"/>T<span class=\"__14 _1c_10\"/>elekomtj\u00e4nster<span class=\"__14 _d4_7\"> </span>84<span class=\"__14 _a3_6\"> </span>26<span class=\"__14 _b5_7\"> </span>379<span class=\"__14 _b5_7\"> </span><span class=\"ls16_11 ws3c_5\">244<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _b5_7\"> </span>7<span class=\"__14 _1072\"/>33<span class=\"__14 _1ce\"> </span>Industri<span class=\"__14 _f4_6\"> </span>7 279<span class=\"__14 _b7_7\"> </span>7 044<span class=\"__14 _aa_6\"> </span>8 851<span class=\"__14 _aa_6\"> </span>8 661<span class=\"__14 _c3_6\"> </span>365<span class=\"__14 _1129\"> </span>32 200     R\u00e5v<span class=\"__14 _1058\"/>aror<span class=\"__14 _f5_6\"> </span>547<span class=\"__14 _b5_7\"> </span>416<span class=\"__14 _b5_7\"> </span>320<span class=\"__14 _1101\"> </span>549<span class=\"__14 _1093\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _b7_7\"> </span></span>1 904     Kapitalv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _cd_6\"> </span>622<span class=\"__14 _1111\"> </span>1 711<span class=\"__14 _1101\"> </span>206<span class=\"__14 _1156\"> </span>1 029<span class=\"__14 _8e_6\"> </span>113<span class=\"__14 _1156\"> </span>3 681     Producenttj\u00e4ns<span class=\"__14 _b_13\"/>ter<span class=\"__14 _e8_7\"> </span>1 956<span class=\"__14 _1101\"> </span>887<span class=\"__14 _9b_6\"> </span>1 67<span class=\"__14 _1072\"/>7<span class=\"__14 _9b_6\"> </span>1 525<span class=\"__14 _b5_7\"> </span>108<span class=\"__14 _1155\"> </span>6 153     Byggindustri<span class=\"__14 _e1_6\"> </span>1 443<span class=\"__14 _9b_6\"> </span>1 323<span class=\"__14 _b7_7\"> </span>4 339<span class=\"__14 _aa_6\"> </span>2 2<span class=\"__14 _1072\"/>36<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _b7_7\"> </span>9 342     Partihandel<span class=\"__14 _1060\"> </span>1 903<span class=\"__14 _1152\"> </span>1 276<span class=\"__14 _1101\"> </span>887<span class=\"__14 _b7_7\"> </span>2 005<span class=\"__14 _1093\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1106\"> </span></span>6 094     Marktransport<span class=\"__14 _e1_6\"> </span>416<span class=\"__14 _1151\"> </span>989<span class=\"__14 _b5_7\"> </span>7<span class=\"__14 _1072\"/>95<span class=\"__14 _1151\"> </span>694<span class=\"__14 _1093\"> </span>45<span class=\"__14 _b7_7\"> </span>2 939     IT<span class=\"__14 _b_13\"/>-tj\u00e4nster<span class=\"__14 _f6_6\"> </span>392<span class=\"__14 _1101\"> </span>442<span class=\"__14 _be_7\"> </span>627<span class=\"__14 _c3_6\"> </span>62<span class=\"__14 _1072\"/>3<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _b7_7\"> </span>2 087<span class=\"__14 _1ce\"> </span>Sj\u00f6fart<span class=\"__14 _f7_6\"> </span>366<span class=\"__14 _8e_6\"> </span>161<span class=\"__14 _aa_6\"> </span>5 597<span class=\"__14 _1079\"> </span>133<span class=\"__14 _1101\"> </span>443<span class=\"__14 _b0_6\"> </span>6 700     V<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>vsindustri<span class=\"__14 _d2_6\"> </span>0<span class=\"__14 _a3_6\"> </span>28<span class=\"__14 _be_7\"> </span><span class=\"ls16_11 ws3c_5\">224<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b5_7\"> </span><span class=\"ls1a_9 ws40_5\">252</span>     Sj\u00f6transport<span class=\"__14 _cd_6\"> </span>222<span class=\"__14 _a3_6\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _b7_7\"> </span></span>5 035<span class=\"__14 _4b_6\"> </span><span class=\"ls16_11 ws3c_5\">1<span class=\"__14 _1072\"/>24<span class=\"__14 _1101\"> </span></span>443<span class=\"__14 _aa_6\"> </span>5 867     Sj\u00f6fartstj\u00e4ns<span class=\"__14 _1058\"/>ter<span class=\"__14 _d8_7\"> </span><span class=\"ls14_11 ws3a_5\">144<span class=\"__14 _a2_6\"> </span></span>90<span class=\"__14 _c3_6\"> </span>338<span class=\"__14 _b8_6\"> </span>9<span class=\"__14 _1087\"> </span>0<span class=\"__14 _4b_6\"> </span>581<span class=\"__14 _1ce\"> </span>Samh\u00e4llsnyttiga tj\u00e4nster<span class=\"__14 _c5_7\"> </span>1 696<span class=\"__14 _b7_7\"> </span>3 285<span class=\"__14 _b0_6\"> </span>2 090<span class=\"__14 _b7_7\"> </span>2 002<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _aa_6\"> </span>9 07<span class=\"__14 _b_13\"/>4     El, vatten och gas<span class=\"__14 _f8_6\"> </span>1 239<span class=\"__14 _aa_6\"> </span>1 606<span class=\"__14 _b7_7\"> </span>1 084<span class=\"__14 _b5_7\"> </span>720<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _da_6\"> </span>4 649     Kraftproduk<span class=\"__14 _b_13\"/>tion<span class=\"__14 _d4_7\"> </span>66<span class=\"__14 _9b_6\"> </span>1 52<span class=\"__14 _1072\"/>5<span class=\"__14 _1151\"> </span>808<span class=\"__14 _c3_6\"> </span><span class=\"ls18_10 ws3e_5\">97<span class=\"__14 _1072\"/>3<span class=\"__14 _bb_7\"> </span></span>1<span class=\"__14 _1156\"> </span>3 373     Allm\u00e4nnyttiga f<span class=\"__14 _b_13\"/>\u00f6retag<span class=\"__14 _1110\"> </span>391<span class=\"__14 _be_7\"> </span>154<span class=\"__14 _be_7\"> </span>198<span class=\"__14 _1101\"> </span>309<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1155\"> </span>1 052<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _b_13\"/>astighetsbolag<span class=\"__14 _d8_7\"> </span>9 342<span class=\"__14 _1156\"> </span>7 7<span class=\"__14 _1072\"/>29<span class=\"__14 _da_6\"> </span>9 986<span class=\"__14 _1148\"> </span><span class=\"ls14_11 ws3a_5\">17 578<span class=\"__14 _1153\"> </span>151<span class=\"__14 _1104\"> </span></span>44 786     Kommersiella fas<span class=\"__14 _b_13\"/>tigheter<span class=\"__14 _f9_6\"> </span>5 984<span class=\"__14 _b7_7\"> </span>4 334<span class=\"__14 _da_6\"> </span>8 346<span class=\"__14 _1156\"> </span>7 667<span class=\"__14 _8e_6\"> </span><span class=\"ls14_11 ws3a_5\">1<span class=\"__14 _1072\"/>51<span class=\"__14 _1104\"> </span></span>26 482     Bostadsfas<span class=\"__14 _b_13\"/>tigheter<span class=\"__14 _b3_6\"> </span>3 358<span class=\"__14 _aa_6\"> </span>3 395<span class=\"__14 _aa_6\"> </span>1 640<span class=\"__14 _1152\"> </span>9 911<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1129\"> </span>18 304<span class=\"__14 _1ce\"> </span>\u00d6vriga branscher<span class=\"__14 _cf_6\"> </span>236<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1079\"> </span>127<span class=\"__14 _be_7\"> </span>37<span class=\"__14 _1072\"/>3<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _4b_6\"> </span>737<span class=\"__14 _1ce\"> </span>Summa f\u00f6retagsk<span class=\"__14 _b_13\"/>under<span class=\"__14 _fa_6\"> </span>31 057<span class=\"__14 _1129\"> </span>24 755<span class=\"__14 _1130\"> </span>34 985<span class=\"__14 _1130\"> </span>4<span class=\"__14 _1072\"/>2 687<span class=\"__14 _b0_6\"> </span>2 459<span class=\"__14 _a6_7\"> </span>135 941   Bol\u00e5n<span class=\"__14 _dd_7\"> </span>39 332<span class=\"__14 _1148\"> </span>33 317<span class=\"__14 _1129\"> </span>37 249<span class=\"__14 _1136\"> </span>52 418<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a5_7\"> </span>162 316   L\u00e5n mot s\u00e4kerhet<span class=\"__14 _fb_6\"> </span>8 181<span class=\"__14 _9b_6\"> </span>5 513<span class=\"__14 _b7_7\"> </span>2 6<span class=\"__14 _1072\"/>47<span class=\"__14 _1156\"> </span>2 292<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1136\"> </span>18 633   L\u00e5n utan s\u00e4kerhet<span class=\"__14 _de_6\"> </span>1 014<span class=\"__14 _b7_7\"> </span>2 92<span class=\"__14 _1072\"/>3<span class=\"__14 _1151\"> </span>408<span class=\"__14 _b7_7\"> </span>2 434<span class=\"__14 _1087\"> </span>0<span class=\"__14 _aa_6\"> </span>6 7<span class=\"__14 _1072\"/>79<span class=\"__14 _1ce\"> </span>Privatkunder<span class=\"__14 _c9_7\"> </span>48 527<span class=\"__14 _1136\"> </span>41 753<span class=\"__14 _a1_6\"> </span>40 304<span class=\"__14 _1136\"> </span><span class=\"ls14_11 ws3a_5\">57 144<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _1120\"> </span>187 7<span class=\"__14 _1072\"/>28<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Offen</span><span class=\"__14 _1058\"/>tlig sektor<span class=\"__14 _d4_7\"> </span>1 168<span class=\"__14 _1101\"> </span>780<span class=\"__14 _1092\"> </span>19<span class=\"__14 _b0_6\"> </span>2 602<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b0_6\"> </span>4 569<span class=\"__14 _1ce\"> </span>Omv\u00e4nda repor<span class=\"__14 _e3_6\"> </span>0<span class=\"__14 _1147\"> </span>16 812<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1147\"> </span>16 812<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till allm\u00e4nheten per land<span class=\"__14 _e4_6\"> </span>80 752<span class=\"__14 _fc_7\"> </span>84 100<span class=\"__14 _fc_7\"> </span>75 308<span class=\"__14 _1120\"> </span>102 4<span class=\"__14 _1072\"/>33<span class=\"__14 _b0_6\"> </span>2 459<span class=\"__14 _1121\"> </span>345 050    vara<span class=\"__14 _b_13\"/>v v\u00e4rderad till verkligt v\u00e4r<span class=\"__14 _1058\"/>de<span class=\"__14 _ac_6\"> </span>58 347<span class=\"__14 _1147\"> </span>16 812<span class=\"__14 _1092\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1147\"> </span><span class=\"ls14_11 ws3a_5\">7<span class=\"__14 _1072\"/>5 176<span class=\"__14 _1ce\"> </span></span>1)  L\u00e5n avseende Ryssland (94 mn eur<span class=\"__14 _1058\"/>o) och Baltikum (162 mn euro<span class=\"__14 _b_13\"/>) som bokf\u00f6rts i Sverige har flyttats till \u00d6vrigt<span class=\"__14 _1ce\"> </span>Utl\u00e5ning v\u00e4rder<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ad till upplupet anskaff</span><span class=\"__14 _1058\"/>ningsv\u00e4rde, per br<span class=\"__14 _b_13\"/>ansch<span class=\"__14 _1ce\"> </span>Brutto<span class=\"__14 _fd_6\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>Kreditf\u00f6r-<span class=\"__14 _1ce\"> </span>luster<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">, netto1</span><span class=\"__14 _fe_6\"/>31 dec 2022, mn euro<span class=\"__14 _ff_6\"> </span>Kategori 1<span class=\"__14 _1157\"> </span>Kategori 2<span class=\"__14 _1157\"> </span>Kategori 3<span class=\"__14 _5b_6\"> </span>Kategori 1<span class=\"__14 _1157\"> </span>Kategori 2<span class=\"__14 _1157\"> </span>Kategori 3<span class=\"__14 _5f_6\"> </span>Netto<span class=\"__14 _1ce\"> </span>Finansinstitut<span class=\"__14 _1158\"> </span>14 197<span class=\"__14 _1148\"> </span>322<span class=\"__14 _1156\"> </span>62<span class=\"__14 _e2_6\"> </span>8<span class=\"__14 _1152\"> </span>10<span class=\"__14 _1155\"> </span>29<span class=\"__14 _1119\"> </span>14 534<span class=\"__14 _1148\"> </span>-49<span class=\"__14 _1ce\"> </span>Jordbruk<span class=\"__14 _1159\"> </span>4 343<span class=\"__14 _1148\"> </span>232<span class=\"__14 _8d_6\"> </span>107<span class=\"__14 _1151\"> </span>7<span class=\"__14 _1109\"> </span>15<span class=\"__14 _1155\"> </span>56<span class=\"__14 _1154\"> </span>4 604<span class=\"__14 _a4_6\"> </span>-3     Gr\u00f6dor<span class=\"__14 _b_13\"/>, odling och jakt<span class=\"__14 _1160\"> </span>949<span class=\"__14 _9b_6\"> </span>75<span class=\"__14 _1155\"> </span>20<span class=\"__14 _1151\"> </span>3<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _e2_6\"> </span>8<span class=\"__14 _1118\"> </span>1 029<span class=\"__14 _1151\"> </span>5     Djurh\u00e5llning<span class=\"__14 _1161\"> </span>619<span class=\"__14 _1106\"> </span><span class=\"ls14_11 ws3a_5\">117<span class=\"__14 _1156\"> </span></span>86<span class=\"__14 _1101\"> </span>2<span class=\"__14 _9b_6\"> </span>10<span class=\"__14 _aa_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _1148\"> </span><span class=\"ls14_11 ws3a_5\">762<span class=\"__14 _1102\"> </span></span></span>-6     Fiske och vatt<span class=\"__14 _1058\"/>enbruk<span class=\"__14 _1162\"> </span>2 775<span class=\"__14 _1156\"> </span>40<span class=\"__14 _1101\"> </span>1<span class=\"__14 _1151\"> </span>2<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _5f_6\"> </span>2 813<span class=\"__14 _a4_6\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1ce\"> </span></span>Naturresurser<span class=\"__14 _1163\"> </span>2 765<span class=\"__14 _1148\"> </span>216<span class=\"__14 _1155\"> </span>39<span class=\"__14 _1151\"> </span>2<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _1152\"> </span>18<span class=\"__14 _1121\"> </span>2 996<span class=\"__14 _1156\"> </span>26     Pappers- och skogsproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1164\"> </span>1 87<span class=\"__14 _b_13\"/>4<span class=\"__14 _9c_7\"> </span>161<span class=\"__14 _1152\"> </span>22<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1151\"> </span>3<span class=\"__14 _1152\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1121\"> </span></span>2 039<span class=\"__14 _1151\"> </span>2     Gruvdrift och kringverksamhet<span class=\"__14 _1165\"> </span>382<span class=\"__14 _1156\"> </span>30<span class=\"__14 _1151\"> </span>3<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1101\"> </span>1<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _8d_6\"> </span>413<span class=\"__14 _1111\"> </span><span class=\"ls14_11 ws3a_5\">-1</span><span class=\"__14 _1ce\">     Olje-, gas- och offshore-verksamhet</span><span class=\"__14 _1093\"> </span>509<span class=\"__14 _9b_6\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1109\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _c3_6\"> </span></span></span>1<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1151\"> </span>3<span class=\"__14 _1136\"> </span>544<span class=\"__14 _9b_6\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1ce\"> </span></span>Konsument dagligv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _e5_6\"> </span>4 882<span class=\"__14 _1148\"> </span>201<span class=\"__14 _9b_6\"> </span>87<span class=\"__14 _1132\"> </span>8<span class=\"__14 _e2_6\"> </span>8<span class=\"__14 _9b_6\"> </span>35<span class=\"__14 _7b_6\"> </span>5 119<span class=\"__14 _9c_7\"> </span><span class=\"ls16_11 ws3c_5\">-26</span>     Livsmedel och drycker<span class=\"__14 _1166\"> </span>1 685<span class=\"__14 _9c_7\"> </span><span class=\"ls14_11 ws3a_5\">114<span class=\"__14 _9b_6\"> </span><span class=\"ls1a_9 ws40_5\">52<span class=\"__14 _1101\"> </span></span></span>2<span class=\"__14 _e2_6\"> </span>3<span class=\"__14 _1102\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _5f_6\"> </span></span>1 829<span class=\"__14 _da_6\"> </span><span class=\"ls14_11 ws3a_5\">-13</span>     Hush\u00e5lls- och hygienproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1165\"> </span>592<span class=\"__14 _1155\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1152\"> </span></span>10<span class=\"__14 _1151\"> </span>2<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1151\"> </span>5<span class=\"__14 _1148\"> </span>619<span class=\"__14 _9a_6\"> </span><span class=\"ls14_11 ws3a_5\">-1</span>     H\u00e4lsov\u00e5rd<span class=\"__14 _1107\"> </span>2 605<span class=\"__14 _1155\"> </span>62<span class=\"__14 _9b_6\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1132\"> </span></span>4<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _1102\"> </span>13<span class=\"__14 _1120\"> </span>2 671<span class=\"__14 _da_6\"> </span><span class=\"ls14_11 ws3a_5\">-12<span class=\"__14 _1ce\"> </span></span>Konsument s\u00e4llank<span class=\"__14 _b_13\"/>\u00f6p och tj\u00e4nster<span class=\"__14 _1142\"> </span>10 589<span class=\"__14 _1148\"> </span>913<span class=\"__14 _1147\"> </span>287<span class=\"__14 _1152\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1156\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _8d_6\"> </span></span></span>187<span class=\"__14 _1119\"> </span>11 540<span class=\"__14 _da_6\"> </span>-31     Konsumentk<span class=\"__14 _1058\"/>apitalvar<span class=\"__14 _b_13\"/>or<span class=\"__14 _10a_6\"> </span>2 382<span class=\"__14 _1148\"> </span>192<span class=\"__14 _1156\"> </span>44<span class=\"__14 _1101\"> </span>2<span class=\"__14 _1132\"> </span>6<span class=\"__14 _9b_6\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1121\"> </span></span>2 586<span class=\"__14 _da_6\"> </span><span class=\"ls14_11 ws3a_5\">-12</span>     Media och underh\u00e5llning<span class=\"__14 _10b_6\"> </span>1 763<span class=\"__14 _8d_6\"> </span>135<span class=\"__14 _1156\"> </span>20<span class=\"__14 _1151\"> </span>2<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _1111\"> </span>11<span class=\"__14 _1121\"> </span>1 899<span class=\"__14 _a4_6\"> </span><span class=\"ls16_11 ws3c_5\">-2</span>     Detaljhandel<span class=\"__14 _10c_6\"> </span>4 156<span class=\"__14 _1148\"> </span>272<span class=\"__14 _1148\"> </span>180<span class=\"__14 _1132\"> </span>8<span class=\"__14 _1155\"> </span>20<span class=\"__14 _8d_6\"> </span>118<span class=\"__14 _1121\"> </span>4 462<span class=\"__14 _1106\"> </span><span class=\"ls14_11 ws3a_5\">-18</span>     Flygre<span class=\"__14 _1058\"/>sor<span class=\"__14 _d7_6\"> </span>96<span class=\"__14 _9b_6\"> </span>35<span class=\"__14 _1102\"> </span>12<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1101\"> </span>2<span class=\"__14 _1132\"> </span>8<span class=\"__14 _8d_6\"> </span>133<span class=\"__14 _1109\"> </span>-6     Logi och fritid<span class=\"__14 _3c_8\"> </span>1 4<span class=\"__14 _1072\"/>21<span class=\"__14 _1147\"> </span>263<span class=\"__14 _1155\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1101\"> </span></span>2<span class=\"__14 _9b_6\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _9b_6\"> </span></span>20<span class=\"__14 _5f_6\"> </span>1 673<span class=\"__14 _e2_6\"> </span>4     <span class=\"__14 _1058\"/>T<span class=\"__14 _1c_10\"/>elekomtj\u00e4nster<span class=\"__14 _bd_7\"> </span>771<span class=\"__14 _1109\"> </span>16<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _1132\"> </span>0<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1132\"> </span>6<span class=\"__14 _1148\"> </span>787<span class=\"__14 _1151\"> </span>3<span class=\"__14 _1ce\"> </span>Industri<span class=\"__14 _10d_6\"> </span>31 090<span class=\"__14 _8c_6\"> </span>2 900<span class=\"__14 _1136\"> </span>54<span class=\"__14 _1072\"/>2<span class=\"__14 _9b_6\"> </span>53<span class=\"__14 _1147\"> </span>100<span class=\"__14 _1147\"> </span>293<span class=\"__14 _8b_6\"> </span>34 086<span class=\"__14 _1106\"> </span>-52     R\u00e5v<span class=\"__14 _1058\"/>aror<span class=\"__14 _c5_7\"> </span>2 406<span class=\"__14 _1147\"> </span>166<span class=\"__14 _1155\"> </span>39<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _1109\"> </span>13<span class=\"__14 _1121\"> </span>2 590<span class=\"__14 _1151\"> </span>7     Kapitalv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _10e_6\"> </span>3 370<span class=\"__14 _1136\"> </span>436<span class=\"__14 _1102\"> </span>71<span class=\"__14 _1151\"> </span>5<span class=\"__14 _a4_6\"> </span>11<span class=\"__14 _1155\"> </span>39<span class=\"__14 _1118\"> </span>3 822<span class=\"__14 _a4_6\"> </span>11     Producenttj\u00e4ns<span class=\"__14 _b_13\"/>ter<span class=\"__14 _10f_6\"> </span>5 950<span class=\"__14 _1136\"> </span>434<span class=\"__14 _1156\"> </span>44<span class=\"__14 _9b_6\"> </span>10<span class=\"__14 _1102\"> </span>15<span class=\"__14 _1155\"> </span>20<span class=\"__14 _8c_6\"> </span>6 383<span class=\"__14 _1101\"> </span>2     Byggindustri<span class=\"__14 _10c_6\"> </span><span class=\"ls14_11 ws3a_5\">8 142<span class=\"__14 _1147\"> </span></span>825<span class=\"__14 _1148\"> </span>164<span class=\"__14 _1109\"> </span>15<span class=\"__14 _1155\"> </span>34<span class=\"__14 _1147\"> </span>106<span class=\"__14 _1121\"> </span><span class=\"ls14_11 ws3a_5\">8 976<span class=\"__14 _1106\"> </span></span>-37     Partihandel<span class=\"__14 _f9_6\"> </span>6 801<span class=\"__14 _1136\"> </span>696<span class=\"__14 _aa_6\"> </span><span class=\"ls21_7 ws47_3\">64<span class=\"__14 _1132\"> </span></span>8<span class=\"__14 _9b_6\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1156\"> </span></span>40<span class=\"__14 _8c_6\"> </span>7 4<span class=\"__14 _1072\"/>89<span class=\"__14 _1102\"> </span>-9     Marktransport<span class=\"__14 _2d_8\"> </span>2 535<span class=\"__14 _1147\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1072\"/>3<span class=\"__14 _1156\"> </span></span>94<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _9b_6\"> </span>55<span class=\"__14 _8c_6\"> </span>2 805<span class=\"__14 _b0_6\"> </span><span class=\"ls14_11 ws3a_5\">-17</span>     IT<span class=\"__14 _b_13\"/>-tj\u00e4nster<span class=\"__14 _1107\"> </span>1 886<span class=\"__14 _1147\"> </span>100<span class=\"__14 _1156\"> </span>66<span class=\"__14 _e2_6\"> </span>5<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _1155\"> </span>20<span class=\"__14 _5f_6\"> </span>2 021<span class=\"__14 _1102\"> </span>-9<span class=\"__14 _1ce\"> </span>Sj\u00f6fart<span class=\"__14 _1167\"> </span>5 521<span class=\"__14 _1136\"> </span>360<span class=\"__14 _1156\"> </span>66<span class=\"__14 _1152\"> </span>19<span class=\"__14 _e2_6\"> </span>5<span class=\"__14 _1102\"> </span>31<span class=\"__14 _1121\"> </span>5 892<span class=\"__14 _1155\"> </span><span class=\"ls1b_8 ws41_5\">23</span>     V<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>vsindustri<span class=\"__14 _1163\"> </span>119<span class=\"__14 _1132\"> </span>6<span class=\"__14 _1151\"> </span>3<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1151\"> </span>3<span class=\"__14 _8d_6\"> </span><span class=\"ls16_11 ws3c_5\">1<span class=\"__14 _1072\"/>24<span class=\"__14 _c3_6\"> </span></span>1     Sj\u00f6transport<span class=\"__14 _1168\"> </span>5 116<span class=\"__14 _1147\"> </span>353<span class=\"__14 _1155\"> </span>63<span class=\"__14 _1102\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1151\"> </span></span>5<span class=\"__14 _1155\"> </span>28<span class=\"__14 _1121\"> </span>5 482<span class=\"__14 _9b_6\"> </span>22     Sj\u00f6fartstj\u00e4ns<span class=\"__14 _1058\"/>ter<span class=\"__14 _1169\"> </span>286<span class=\"__14 _1101\"> </span>1<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1132\"> </span>0<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1136\"> </span>286<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1ce\"> </span>Samh\u00e4llsnyttiga tj\u00e4nster<span class=\"__14 _ad_6\"> </span>6 896<span class=\"__14 _1106\"> </span><span class=\"ls14_11 ws3a_5\">117<span class=\"__14 _1109\"> </span></span>16<span class=\"__14 _1151\"> </span>5<span class=\"__14 _1132\"> </span>4<span class=\"__14 _1101\"> </span>7<span class=\"__14 _5f_6\"> </span>7 013<span class=\"__14 _1132\"> </span>8     El, vatten och gas<span class=\"__14 _1170\"> </span>3 413<span class=\"__14 _1155\"> </span>78<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _1151\"> </span>2<span class=\"__14 _1101\"> </span>2<span class=\"__14 _e2_6\"> </span>3<span class=\"__14 _8c_6\"> </span>3 490<span class=\"__14 _1132\"> </span>8     Kraftproduk<span class=\"__14 _b_13\"/>tion<span class=\"__14 _1171\"> </span>2 962<span class=\"__14 _a4_6\"> </span>11<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1151\"> </span>2<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1120\"> </span>2 971<span class=\"__14 _a4_6\"> </span><span class=\"ls16_11 ws3c_5\">-2</span>     Allm\u00e4nnyttiga f<span class=\"__14 _b_13\"/>\u00f6retag<span class=\"__14 _e4_6\"> </span>521<span class=\"__14 _1156\"> </span>28<span class=\"__14 _e2_6\"> </span>9<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1101\"> </span>2<span class=\"__14 _e2_6\"> </span>3<span class=\"__14 _1147\"> </span>55<span class=\"__14 _1072\"/>2<span class=\"__14 _1151\"> </span>2<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _b_13\"/>astighetsbolag<span class=\"__14 _2d_8\"> </span>36 325<span class=\"__14 _8d_6\"> </span><span class=\"ls1f_7 ws45_4\">745<span class=\"__14 _9c_7\"> </span><span class=\"ls14_11 ws3a_5\">145<span class=\"__14 _9b_6\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1152\"> </span></span></span></span>18<span class=\"__14 _1156\"> </span>85<span class=\"__14 _5a_6\"> </span>37 089<span class=\"__14 _9b_6\"> </span>32<span class=\"__14 _1ce\"> </span>\u00d6vriga branscher<span class=\"__14 _10c_6\"> </span>169<span class=\"__14 _1106\"> </span><span class=\"ls14_11 ws3a_5\">1<span class=\"__14 _1072\"/>17<span class=\"__14 _1101\"> </span></span>7<span class=\"__14 _1132\"> </span>4<span class=\"__14 _1155\"> </span>20<span class=\"__14 _1151\"> </span>2<span class=\"__14 _1148\"> </span>267<span class=\"__14 _1102\"> </span>-3<span class=\"__14 _1ce\"> </span>Summa f\u00f6retagsk<span class=\"__14 _b_13\"/>under<span class=\"__14 _1172\"> </span>116 777<span class=\"__14 _1118\"> </span>6 12<span class=\"__14 _1072\"/>3<span class=\"__14 _1118\"> </span>1 358<span class=\"__14 _1147\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>3<span class=\"__14 _1147\"> </span></span>2<span class=\"__14 _1072\"/>32<span class=\"__14 _1147\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _1066\"/>3<span class=\"__14 _1135\"> </span></span>12<span class=\"__14 _1072\"/>3 140<span class=\"__14 _9c_7\"> </span><span class=\"ls22_6 ws48_3\">-7<span class=\"__14 _1072\"/>5</span>   Bol\u00e5n<span class=\"__14 _c1_6\"> </span>116 404<span class=\"__14 _8c_6\"> </span><span class=\"ls16_11 ws3c_5\">4 24<span class=\"__14 _1072\"/>8<span class=\"__14 _1147\"> </span></span>435<span class=\"__14 _1109\"> </span>15<span class=\"__14 _1155\"> </span>45<span class=\"__14 _1156\"> </span>86<span class=\"__14 _1135\"> </span>120 941<span class=\"__14 _8d_6\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1072\"/>9</span>   L\u00e5n mot s\u00e4kerhet<span class=\"__14 _1173\"> </span>18 488<span class=\"__14 _5f_6\"> </span>1 543<span class=\"__14 _1136\"> </span>264<span class=\"__14 _1155\"> </span>38<span class=\"__14 _1156\"> </span>50<span class=\"__14 _1106\"> </span>115<span class=\"__14 _3f_8\"> </span>20 092<span class=\"__14 _1156\"> </span>46   L\u00e5n utan s\u00e4kerhet<span class=\"__14 _1174\"> </span>4 910<span class=\"__14 _1147\"> </span>795<span class=\"__14 _1148\"> </span><span class=\"ls14_11 ws3a_5\">146<span class=\"__14 _1152\"> </span></span>19<span class=\"__14 _1152\"> </span>81<span class=\"__14 _1152\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _1120\"> </span></span>5 677<span class=\"__14 _9c_7\"> </span>-62<span class=\"__14 _1ce\"> </span>Privatkunder<span class=\"__14 _1175\"> </span>139 802<span class=\"__14 _1154\"> </span>6 586<span class=\"__14 _1129\"> </span>845<span class=\"__14 _9b_6\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _1148\"> </span><span class=\"ls14_11 ws3a_5\">176<span class=\"__14 _1148\"> </span></span></span>275<span class=\"__14 _1127\"> </span>146 710<span class=\"__14 _1148\"> </span>-<span class=\"__14 _1072\"/>45<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Offen</span><span class=\"__14 _1058\"/>tlig sektor<span class=\"__14 _1ce\"> </span>5 161<span class=\"__14 _aa_6\"> </span>69<span class=\"__14 _1155\"> </span>39<span class=\"__14 _1101\"> </span>1<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1151\"> </span>2<span class=\"__14 _1121\"> </span>5 266<span class=\"__14 _1132\"> </span>8<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till allm\u00e4nheten <span class=\"__14 _1085\"> </span>261 7<span class=\"__14 _b_13\"/>40<span class=\"__14 _1098\"> </span>12 778<span class=\"__14 _1118\"> </span><span class=\"ls16_11 ws3c_5\">2 242<span class=\"__14 _8d_6\"> </span></span>216<span class=\"__14 _fc_7\"> </span>408<span class=\"__14 _1118\"> </span>1 020<span class=\"__14 _1135\"> </span>275 116<span class=\"__14 _1104\"> </span>-112<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till kreditinstitut och centralbank<span class=\"__14 _b_13\"/>er<span class=\"__14 _f9_6\"> </span>2 845<span class=\"__14 _1132\"> </span>8<span class=\"__14 _1152\"> </span>13<span class=\"__14 _1132\"> </span>4<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1155\"> </span><span class=\"ls21_7 ws47_3\">25<span class=\"__14 _1118\"> </span></span>2 837<span class=\"__14 _7e_6\"> </span>0<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _d5_6\"> </span>26<span class=\"__14 _1072\"/>4 585<span class=\"__14 _3b_8\"> </span>12 786<span class=\"__14 _1118\"> </span>2 255<span class=\"__14 _1136\"> </span>220<span class=\"__14 _1104\"> </span>408<span class=\"__14 _1121\"> </span>1 045<span class=\"__14 _1127\"> </span>277 953<span class=\"__14 _fc_7\"> </span>-112<span class=\"__14 _1ce\"> </span>1) T<span class=\"__14 _1c_10\"/>abellen visar kreditf\u00f6rluster p\u00e5 e<span class=\"__14 _b_13\"/>xponeringar i och utanf\u00f6r balansr\u00e4kningen f\u00f6r hel\u00e5r<span class=\"__14 _1058\"/>et 2022<span class=\"__14 _1ce\"> </span>Utl\u00e5ning v\u00e4rder<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ad till upplupet anskaff</span><span class=\"__14 _1058\"/>ningsv\u00e4rde, per br<span class=\"__14 _b_13\"/>ansch<span class=\"__14 _1ce\"> </span>Brutto<span class=\"__14 _fd_6\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>Kreditf\u00f6r-<span class=\"__14 _1ce\"> </span>luster<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">, netto1</span><span class=\"__14 _fe_6\"/>31 dec 2021, mn euro<span class=\"__14 _1176\"> </span>Kategori 1<span class=\"__14 _1157\"> </span>Kategori 2<span class=\"__14 _1157\"> </span>Kategori 3<span class=\"__14 _5b_6\"> </span>Kategori 1<span class=\"__14 _1157\"> </span>Kategori 2<span class=\"__14 _1157\"> </span>Kategori 3<span class=\"__14 _5f_6\"> </span>Netto<span class=\"__14 _1ce\"> </span>Finansinstitut<span class=\"__14 _f9_6\"> </span>12 972<span class=\"__14 _1148\"> </span>186<span class=\"__14 _1156\"> </span>59<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _e2_6\"> </span>8<span class=\"__14 _1155\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _8f_6\"> </span></span>13 179<span class=\"__14 _1155\"> </span>29<span class=\"__14 _1ce\"> </span>Jordbruk<span class=\"__14 _4f_6\"> </span>4 124<span class=\"__14 _1136\"> </span>204<span class=\"__14 _1148\"> </span>136<span class=\"__14 _1151\"> </span>5<span class=\"__14 _1102\"> </span>12<span class=\"__14 _1155\"> </span>82<span class=\"__14 _1121\"> </span>4 365<span class=\"__14 _9b_6\"> </span>16     Gr\u00f6dor<span class=\"__14 _b_13\"/>, odling och jakt<span class=\"__14 _e5_6\"> </span><span class=\"ls18_10 ws3e_5\">970<span class=\"__14 _9b_6\"> </span><span class=\"ls1d_8 ws43_5\">79<span class=\"__14 _1155\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1151\"> </span></span></span></span>2<span class=\"__14 _1151\"> </span>5<span class=\"__14 _1102\"> </span>15<span class=\"__14 _5f_6\"> </span>1 052<span class=\"__14 _1151\"> </span>2     Djurh\u00e5llning<span class=\"__14 _11a_7\"> </span>670<span class=\"__14 _8d_6\"> </span>101<span class=\"__14 _1148\"> </span>109<span class=\"__14 _1101\"> </span>1<span class=\"__14 _1101\"> </span>7<span class=\"__14 _aa_6\"> </span>66<span class=\"__14 _1129\"> </span>806<span class=\"__14 _e2_6\"> </span>8     Fiske och vatt<span class=\"__14 _1058\"/>enbruk<span class=\"__14 _1160\"> </span>2 484<span class=\"__14 _1155\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1101\"> </span></span>2<span class=\"__14 _1151\"> </span>2<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1101\"> </span>1<span class=\"__14 _1118\"> </span>2 507<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _1ce\"> </span>Naturresurser<span class=\"__14 _d9_6\"> </span>2 606<span class=\"__14 _1147\"> </span>184<span class=\"__14 _1148\"> </span><span class=\"ls14_11 ws3a_5\">575<span class=\"__14 _1151\"> </span></span>4<span class=\"__14 _1132\"> </span>4<span class=\"__14 _1147\"> </span>345<span class=\"__14 _5f_6\"> </span>3 012<span class=\"__14 _da_6\"> </span><span class=\"ls14_11 ws3a_5\">-15</span>     Pappers- och skogsproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1165\"> </span><span class=\"ls1b_8 ws41_5\">1 777<span class=\"__14 _8d_6\"> </span></span>155<span class=\"__14 _1155\"> </span>32<span class=\"__14 _1101\"> </span>2<span class=\"__14 _1132\"> </span>4<span class=\"__14 _1152\"> </span>16<span class=\"__14 _1118\"> </span>1 94<span class=\"__14 _1072\"/>2<span class=\"__14 _1132\"> </span>8     Gruvdrift och kringverksamhet<span class=\"__14 _1165\"> </span>329<span class=\"__14 _1155\"> </span>26<span class=\"__14 _1151\"> </span>3<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1132\"> </span>0<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1147\"> </span>356<span class=\"__14 _1151\"> </span>2<span class=\"__14 _1ce\">     Olje-, gas- och offshore-verksamhet</span><span class=\"__14 _1093\"> </span>500<span class=\"__14 _1151\"> </span>3<span class=\"__14 _1136\"> </span>540<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1147\"> </span>328<span class=\"__14 _8d_6\"> </span><span class=\"ls14_11 ws3a_5\">714<span class=\"__14 _1106\"> </span><span class=\"ls16_11 ws3c_5\">-25<span class=\"__14 _1ce\"> </span></span></span>Konsument dagligv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _ac_6\"> </span>4 239<span class=\"__14 _8d_6\"> </span><span class=\"ls14_11 ws3a_5\">142<span class=\"__14 _1102\"> </span>17<span class=\"__14 _e2_6\"> </span></span>4<span class=\"__14 _1111\"> </span>11<span class=\"__14 _1152\"> </span>10<span class=\"__14 _1121\"> </span>4 37<span class=\"__14 _1072\"/>3<span class=\"__14 _1109\"> </span>13     Livsmedel och drycker<span class=\"__14 _11b_7\"> </span>1 131<span class=\"__14 _9b_6\"> </span><span class=\"ls14_11 ws3a_5\">76<span class=\"__14 _1151\"> </span></span>5<span class=\"__14 _1151\"> </span>2<span class=\"__14 _1151\"> </span>3<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _5f_6\"> </span>1 203<span class=\"__14 _e2_6\"> </span>4     Hush\u00e5lls- och hygienproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _11c_7\"> </span>701<span class=\"__14 _1152\"> </span>18<span class=\"__14 _1152\"> </span>10<span class=\"__14 _1101\"> </span>1<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _1148\"> </span><span class=\"ls1b_8 ws41_5\">723<span class=\"__14 _c3_6\"> </span></span>1     H\u00e4lsov\u00e5rd<span class=\"__14 _11d_7\"> </span>2 407<span class=\"__14 _aa_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _1151\"> </span></span>2<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1101\"> </span>7<span class=\"__14 _1151\"> </span>2<span class=\"__14 _1121\"> </span>2 447<span class=\"__14 _e2_6\"> </span>8<span class=\"__14 _1ce\"> </span>Konsument s\u00e4llank<span class=\"__14 _b_13\"/>\u00f6p och tj\u00e4nster<span class=\"__14 _1139\"> </span>9 376<span class=\"__14 _5f_6\"> </span>1 075<span class=\"__14 _1147\"> </span>263<span class=\"__14 _a4_6\"> </span>11<span class=\"__14 _9b_6\"> </span>55<span class=\"__14 _1148\"> </span>166<span class=\"__14 _4e_6\"> </span>10 482<span class=\"__14 _1106\"> </span>-81     Konsumentk<span class=\"__14 _1058\"/>apitalvar<span class=\"__14 _b_13\"/>or<span class=\"__14 _11e_7\"> </span>2 166<span class=\"__14 _1148\"> </span>126<span class=\"__14 _1155\"> </span>30<span class=\"__14 _1151\"> </span>2<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _1102\"> </span>13<span class=\"__14 _5f_6\"> </span>2 301<span class=\"__14 _1132\"> </span>6     Media och underh\u00e5llning<span class=\"__14 _11f_7\"> </span>1 394<span class=\"__14 _9c_7\"> </span>127<span class=\"__14 _9b_6\"> </span>18<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _e2_6\"> </span>8<span class=\"__14 _1152\"> </span>10<span class=\"__14 _5f_6\"> </span>1 520<span class=\"__14 _1132\"> </span>6     Detaljhandel<span class=\"__14 _1177\"> </span>3 796<span class=\"__14 _1147\"> </span>256<span class=\"__14 _8d_6\"> </span><span class=\"ls14_11 ws3a_5\">178<span class=\"__14 _1151\"> </span></span>5<span class=\"__14 _1102\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _9c_7\"> </span></span>118<span class=\"__14 _1154\"> </span>4 090<span class=\"__14 _1106\"> </span><span class=\"ls1f_7 ws45_4\">-<span class=\"__14 _1072\"/>74</span>     Flygre<span class=\"__14 _1058\"/>sor<span class=\"__14 _ed_6\"> </span>131<span class=\"__14 _1155\"> </span>62<span class=\"__14 _e2_6\"> </span>5<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1101\"> </span>2<span class=\"__14 _e2_6\"> </span>2<span class=\"__14 _8d_6\"> </span>193<span class=\"__14 _1132\"> </span>6     Logi och fritid<span class=\"__14 _1169\"> </span><span class=\"ls16_11 ws3c_5\">1 24<span class=\"__14 _1072\"/>2<span class=\"__14 _1136\"> </span></span>499<span class=\"__14 _9b_6\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1151\"> </span></span>2<span class=\"__14 _1152\"> </span>22<span class=\"__14 _1152\"> </span>16<span class=\"__14 _5f_6\"> </span>1 7<span class=\"__14 _1072\"/>26<span class=\"__14 _1106\"> </span><span class=\"ls16_11 ws3c_5\">-25</span>     <span class=\"__14 _1058\"/>T<span class=\"__14 _1c_10\"/>elekomtj\u00e4nster<span class=\"__14 _1178\"> </span>647<span class=\"__14 _1151\"> </span>5<span class=\"__14 _1101\"> </span>7<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1101\"> </span>7<span class=\"__14 _1136\"> </span>65<span class=\"__14 _1072\"/>2<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1ce\"> </span>Industri<span class=\"__14 _10d_6\"> </span>27 346<span class=\"__14 _1118\"> </span>2 333<span class=\"__14 _1147\"> </span>682<span class=\"__14 _9b_6\"> </span>41<span class=\"__14 _1155\"> </span>95<span class=\"__14 _1147\"> </span><span class=\"ls16_11 ws3c_5\">3<span class=\"__14 _1072\"/>24<span class=\"__14 _3b_8\"> </span></span>29 901<span class=\"__14 _9b_6\"> </span>32     R\u00e5v<span class=\"__14 _1058\"/>aror<span class=\"__14 _1179\"> </span>1 722<span class=\"__14 _8d_6\"> </span>156<span class=\"__14 _1156\"> </span>59<span class=\"__14 _1151\"> </span>3<span class=\"__14 _1151\"> </span>5<span class=\"__14 _1156\"> </span>30<span class=\"__14 _1118\"> </span>1 899<span class=\"__14 _1155\"> </span>35     Kapitalv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _10e_6\"> </span><span class=\"ls14_11 ws3a_5\">3 14<span class=\"__14 _1072\"/>8<span class=\"__14 _8d_6\"> </span></span>415<span class=\"__14 _1148\"> </span><span class=\"ls16_11 ws3c_5\">1<span class=\"__14 _1072\"/>24<span class=\"__14 _1151\"> </span></span>3<span class=\"__14 _1109\"> </span>16<span class=\"__14 _1156\"> </span>58<span class=\"__14 _1118\"> </span>3 610<span class=\"__14 _1111\"> </span><span class=\"ls23_6 ws49_3\">-7</span>     Producenttj\u00e4ns<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1180\"> </span>4 779<span class=\"__14 _1148\"> </span>353<span class=\"__14 _aa_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _1151\"> </span></span>7<span class=\"__14 _1102\"> </span>15<span class=\"__14 _1152\"> </span>27<span class=\"__14 _a6_7\"> </span>5 131<span class=\"__14 _1152\"> </span>18     Byggindustri<span class=\"__14 _10c_6\"> </span>7 837<span class=\"__14 _1136\"> </span>685<span class=\"__14 _1136\"> </span>200<span class=\"__14 _1152\"> </span>13<span class=\"__14 _1155\"> </span>30<span class=\"__14 _9c_7\"> </span>101<span class=\"__14 _1121\"> </span>8 578<span class=\"__14 _1106\"> </span><span class=\"ls14_11 ws3a_5\">-19</span>     Partihandel<span class=\"__14 _1158\"> </span>5 452<span class=\"__14 _1136\"> </span>434<span class=\"__14 _1152\"> </span><span class=\"ls1b_8 ws41_5\">77<span class=\"__14 _1151\"> </span></span>7<span class=\"__14 _a4_6\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1156\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _8c_6\"> </span></span></span>5 896<span class=\"__14 _1155\"> </span>29     Marktransport<span class=\"__14 _1181\"> </span>2 596<span class=\"__14 _1148\"> </span>218<span class=\"__14 _1148\"> </span>106<span class=\"__14 _1132\"> </span>4<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _aa_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _1121\"> </span></span>2 862<span class=\"__14 _da_6\"> </span><span class=\"ls14_11 ws3a_5\">-15</span>     IT<span class=\"__14 _b_13\"/>-tj\u00e4nster<span class=\"__14 _1150\"> </span>1 812<span class=\"__14 _1152\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _aa_6\"> </span></span>68<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _1132\"> </span>6<span class=\"__14 _a4_6\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _5f_6\"> </span></span>1 925<span class=\"__14 _1102\"> </span>-9<span class=\"__14 _1ce\"> </span>Sj\u00f6fart<span class=\"__14 _1167\"> </span>5 75<span class=\"__14 _1058\"/>7<span class=\"__14 _1104\"> </span>4<span class=\"__14 _1072\"/>80<span class=\"__14 _1136\"> </span>505<span class=\"__14 _1101\"> </span>7<span class=\"__14 _1151\"> </span>7<span class=\"__14 _8d_6\"> </span>152<span class=\"__14 _1118\"> </span><span class=\"ls14_11 ws3a_5\">6 576<span class=\"__14 _da_6\"> </span>-1<span class=\"__14 _1072\"/>2</span>     V<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>vsindustri<span class=\"__14 _1182\"> </span><span class=\"ls16_11 ws3c_5\">248<span class=\"__14 _1151\"> </span></span>6<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1101\"> </span>2<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1148\"> </span><span class=\"ls1a_9 ws40_5\">252<span class=\"__14 _1132\"> </span></span>4     Sj\u00f6transport<span class=\"__14 _1183\"> </span>5 043<span class=\"__14 _1147\"> </span>47<span class=\"__14 _1072\"/>2<span class=\"__14 _1136\"> </span>505<span class=\"__14 _1151\"> </span>5<span class=\"__14 _1101\"> </span>7<span class=\"__14 _1106\"> </span><span class=\"ls14_11 ws3a_5\">151<span class=\"__14 _1118\"> </span></span>5 857<span class=\"__14 _da_6\"> </span><span class=\"ls14_11 ws3a_5\">-17</span>     Sj\u00f6fartstj\u00e4ns<span class=\"__14 _1058\"/>ter<span class=\"__14 _ea_7\"> </span>466<span class=\"__14 _1151\"> </span>2<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1132\"> </span>0<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1147\"> </span>467<span class=\"__14 _1101\"> </span>1<span class=\"__14 _1ce\"> </span>Samh\u00e4llsnyttiga tj\u00e4nster<span class=\"__14 _11b_7\"> </span>7 546<span class=\"__14 _8d_6\"> </span>154<span class=\"__14 _1156\"> </span>45<span class=\"__14 _1132\"> </span>4<span class=\"__14 _1101\"> </span>7<span class=\"__14 _1155\"> </span>29<span class=\"__14 _1118\"> </span>7 705<span class=\"__14 _b7_7\"> </span><span class=\"ls14_11 ws3a_5\">-11</span>     El, vatten och gas<span class=\"__14 _1173\"> </span>3 540<span class=\"__14 _8d_6\"> </span>116<span class=\"__14 _1155\"> </span>29<span class=\"__14 _1101\"> </span>2<span class=\"__14 _e2_6\"> </span>5<span class=\"__14 _a4_6\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1118\"> </span></span>3 661<span class=\"__14 _1109\"> </span>-6     Kraftproduk<span class=\"__14 _b_13\"/>tion<span class=\"__14 _1171\"> </span>3 326<span class=\"__14 _1155\"> </span>20<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1132\"> </span>0<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1118\"> </span>3 345<span class=\"__14 _e2_6\"> </span>2     Allm\u00e4nnyttiga f<span class=\"__14 _b_13\"/>\u00f6retag<span class=\"__14 _1184\"> </span>680<span class=\"__14 _1152\"> </span>18<span class=\"__14 _1109\"> </span>15<span class=\"__14 _1151\"> </span>2<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1111\"> </span>11<span class=\"__14 _1129\"> </span>699<span class=\"__14 _1111\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _1ce\"> </span></span>F<span class=\"__14 _b_13\"/>astighetsbolag<span class=\"__14 _1181\"> </span>35 664<span class=\"__14 _1118\"> </span>1 029<span class=\"__14 _1148\"> </span>182<span class=\"__14 _9b_6\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1155\"> </span><span class=\"ls24_6 ws4a_3\">42<span class=\"__14 _1106\"> </span><span class=\"ls14_11 ws3a_5\">117<span class=\"__14 _5a_6\"> </span></span></span></span>36 692<span class=\"__14 _8d_6\"> </span>-44<span class=\"__14 _1ce\"> </span>\u00d6vriga branscher<span class=\"__14 _10c_6\"> </span>427<span class=\"__14 _1147\"> </span>196<span class=\"__14 _e2_6\"> </span>8<span class=\"__14 _1151\"> </span>5<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1147\"> </span>625<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1ce\"> </span>Summa f\u00f6retagsk<span class=\"__14 _b_13\"/>under<span class=\"__14 _1080\"> </span>110 057<span class=\"__14 _1154\"> </span>5 983<span class=\"__14 _1118\"> </span>2 472<span class=\"__14 _1106\"> </span>111<span class=\"__14 _1147\"> </span><span class=\"ls16_11 ws3c_5\">242<span class=\"__14 _1118\"> </span></span>1 249<span class=\"__14 _1135\"> </span>116 910<span class=\"__14 _9c_7\"> </span><span class=\"ls22_6 ws48_3\">-7<span class=\"__14 _1072\"/>3</span>   Bol\u00e5n<span class=\"__14 _d7_6\"> </span>118 361<span class=\"__14 _1121\"> </span>4 287<span class=\"__14 _1148\"> </span>477<span class=\"__14 _1109\"> </span>15<span class=\"__14 _1155\"> </span>38<span class=\"__14 _aa_6\"> </span>88<span class=\"__14 _1127\"> </span>122 984<span class=\"__14 _1106\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _1072\"/>2</span>   L\u00e5n mot s\u00e4kerhet<span class=\"__14 _1122\"> </span>17 270<span class=\"__14 _1121\"> </span>1 308<span class=\"__14 _8d_6\"> </span>310<span class=\"__14 _1156\"> </span>47<span class=\"__14 _1156\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _8d_6\"> </span></span>161<span class=\"__14 _1119\"> </span>18 632<span class=\"__14 _1152\"> </span>27   L\u00e5n utan s\u00e4kerhet<span class=\"__14 _1174\"> </span>5 708<span class=\"__14 _1121\"> </span>1 054<span class=\"__14 _8d_6\"> </span>219<span class=\"__14 _1109\"> </span>21<span class=\"__14 _1102\"> </span>71<span class=\"__14 _9c_7\"> </span>110<span class=\"__14 _1121\"> </span>6 7<span class=\"__14 _1072\"/>79<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _1ce\"> </span>Privatkunder<span class=\"__14 _1185\"> </span>141 339<span class=\"__14 _1115\"> </span>6 649<span class=\"__14 _1121\"> </span>1 006<span class=\"__14 _aa_6\"> </span>83<span class=\"__14 _8d_6\"> </span><span class=\"ls14_11 ws3a_5\">157<span class=\"__14 _1147\"> </span></span>359<span class=\"__14 _1074\"> </span>148 395<span class=\"__14 _9c_7\"> </span>-41<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Offen</span><span class=\"__14 _1058\"/>tlig sektor<span class=\"__14 _1ce\"> </span>4 436<span class=\"__14 _8d_6\"> </span>101<span class=\"__14 _1156\"> </span>34<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1151\"> </span>2<span class=\"__14 _8c_6\"> </span>4 569<span class=\"__14 _1152\"> </span><span class=\"ls1b_8 ws41_5\">-4<span class=\"__14 _1ce\"> </span></span>Utl\u00e5ning till allm\u00e4nheten <span class=\"__14 _1186\"> </span>255 832<span class=\"__14 _1098\"> </span>12 733<span class=\"__14 _1120\"> </span>3 512<span class=\"__14 _1147\"> </span>194<span class=\"__14 _1129\"> </span>399<span class=\"__14 _5f_6\"> </span>1 610<span class=\"__14 _5d_6\"> </span>269 874<span class=\"__14 _a1_6\"> </span>-118<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till kreditinstitut och centralbank<span class=\"__14 _b_13\"/>er<span class=\"__14 _1182\"> </span>1 785<span class=\"__14 _1152\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1132\"> </span></span>0<span class=\"__14 _1151\"> </span>3<span class=\"__14 _1132\"> </span>0<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1118\"> </span>1 796<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _c0_7\"> </span><span class=\"ls14_11 ws3a_5\">2<span class=\"__14 _1072\"/>57 617<span class=\"__14 _1149\"> </span></span>12 7<span class=\"__14 _b_13\"/>47<span class=\"__14 _5f_6\"> </span>3 512<span class=\"__14 _1148\"> </span><span class=\"ls25_6 ws4b_3\">197<span class=\"__14 _1136\"> </span></span>399<span class=\"__14 _5f_6\"> </span>1 610<span class=\"__14 _1123\"> </span>271 670<span class=\"__14 _1130\"> </span>-118<span class=\"__14 _1ce\"> </span>1) T<span class=\"__14 _1c_10\"/>abellen visar kreditf\u00f6rluster p\u00e5 e<span class=\"__14 _b_13\"/>xponeringar i och utanf\u00f6r balansr\u00e4kningen f\u00f6r hel\u00e5r<span class=\"__14 _1058\"/>et 2021.<span class=\"__14 _1ce\"> </span><div class=\"t_14 m0_14 h5_13 ff1_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:784.21796px;\">Os\u00e4kra l\u00e5nef<span class=\"__14 _b_13\"/>ordringar (kategori 3), per land och bransch (inkl<span class=\"__14 _b_13\"/>usive l\u00e5n till verkligt v\u00e4rde)<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:757.9339px;\">31 dec 2022, mn euro<span class=\"__14 _b3_6\"> </span>Danmark<span class=\"__14 _1130\"> </span>Finland<span class=\"__14 _da_6\"> </span>Norge<span class=\"__14 _fc_7\"> </span>Sverige<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:528.0999px; bottom:767.6839px;\">Utanf\u00f6r <span class=\"__14 _1067\"/> </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:528.0999px; bottom:757.9339px;\">Norden<span class=\"__14 _1130\"> </span>Summa </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:740.7907px;\">Finansinstitut<span class=\"__14 _12a_4\"> </span>46<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1087\"> </span>6<span class=\"__14 _1092\"> </span>10<span class=\"__14 _1087\"> </span>0<span class=\"__14 _a3_6\"> </span><span class=\"ls21_7 ws47_3\">64<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:723.6463px;\">Jordbruk<span class=\"__14 _12b_4\"> </span><span class=\"ls18_10 ws3e_5\">197<span class=\"__14 _1093\"> </span></span>29<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b5_7\"> </span>228</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:707.0115px;\">     Gr\u00f6dor<span class=\"__14 _b_13\"/>, odling och jakt<span class=\"__14 _4f_6\"> </span>35<span class=\"__14 _b8_6\"> </span>6<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _a3_6\"> </span><span class=\"ls24_6 ws4a_3\">42</span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:690.6042px;\">     Djurh\u00e5llning<span class=\"__14 _cd_6\"> </span>162<span class=\"__14 _12c_4\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _bf_7\"> </span></span>1<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b5_7\"> </span>186</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:674.1969px;\">     Fiske och vatt<span class=\"__14 _1058\"/>enbruk<span class=\"__14 _12d_4\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:657.7896px;\">Naturresurser<span class=\"__14 _12e_4\"> </span>8<span class=\"__14 _1092\"> </span>15<span class=\"__14 _12c_4\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1087\"> </span></span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a2_6\"> </span>46</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:641.3823px;\">     Pappers- och skogsproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _f9_6\"> </span>8<span class=\"__14 _12c_4\"> </span>10<span class=\"__14 _b8_6\"> </span>5<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span><span class=\"ls1b_8 ws41_5\">23</span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:624.975px;\">     Gruvdrift och kringverksamhet<span class=\"__14 _8a_6\"> </span>0<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b8_6\"> </span>3</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:608.5677px;\"><span class=\"__14 _1ce\">     Olje-, gas- och offshore-verksamhet</span><span class=\"__14 _12f_4\"> </span>0<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _1090\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1087\"> </span></span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span>20<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:592.1604px;\">Konsument dagligv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _1187\"> </span>69<span class=\"__14 _1090\"> </span>11<span class=\"__14 _1087\"> </span>8<span class=\"__14 _1086\"> </span>2<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a2_6\"> </span>90</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:575.7531px;\">     Livsmedel och drycker<span class=\"__14 _1188\"> </span><span class=\"ls24_6 ws4a_3\">42<span class=\"__14 _1087\"> </span></span>8<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1086\"> </span>2<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1093\"> </span><span class=\"ls1a_9 ws40_5\">52</span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:559.3458px;\">     Hush\u00e5lls- och hygienproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1185\"> </span>2<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _1086\"> </span>7<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1090\"> </span>11</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:542.9385px;\">     H\u00e4lsov\u00e5rd<span class=\"__14 _1189\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _bf_7\"> </span></span>1<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _12c_4\"> </span>27<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:526.5312px;\">Konsument s\u00e4llank<span class=\"__14 _b_13\"/>\u00f6p och tj\u00e4nster<span class=\"__14 _5e_6\"> </span>134<span class=\"__14 _a2_6\"> </span>44<span class=\"__14 _2a_8\"> </span>15<span class=\"__14 _1079\"> </span>101<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1101\"> </span>294</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:510.1239px;\">     Konsumentk<span class=\"__14 _1058\"/>apitalvar<span class=\"__14 _b_13\"/>or<span class=\"__14 _b3_6\"> </span>1<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _1087\"> </span>0<span class=\"__14 _a2_6\"> </span>40<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a2_6\"> </span>44</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:493.7166px;\">     Media och underh\u00e5llning<span class=\"__14 _c0_7\"> </span>3<span class=\"__14 _12c_4\"> </span>16<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1087\"> </span>0<span class=\"__14 _2a_8\"> </span>21</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:477.30933px;\">     Detaljhandel<span class=\"__14 _e7_6\"> </span>127<span class=\"__14 _1092\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _b8_6\"> </span></span>6<span class=\"__14 _12c_4\"> </span>37<span class=\"__14 _1087\"> </span>0<span class=\"__14 _be_7\"> </span>184</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:460.90198px;\">     Flygre<span class=\"__14 _1058\"/>sor<span class=\"__14 _1190\"> </span>0<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1087\"> </span>6<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _1087\"> </span>0<span class=\"__14 _2a_8\"> </span>12</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:444.4947px;\">     Logi och fritid<span class=\"__14 _1191\"> </span>3<span class=\"__14 _b8_6\"> </span>9<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _2a_8\"> </span>12<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1092\"> </span>27</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:428.0874px;\">     <span class=\"__14 _1058\"/>T<span class=\"__14 _1c_10\"/>elekomtj\u00e4nster<span class=\"__14 _1192\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>6<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>6<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:411.6801px;\">Industri<span class=\"__14 _1193\"> </span>126<span class=\"__14 _1101\"> </span>206<span class=\"__14 _a3_6\"> </span>93<span class=\"__14 _8e_6\"> </span>137<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b5_7\"> </span>562</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:395.27283px;\">     R\u00e5v<span class=\"__14 _1058\"/>aror<span class=\"__14 _f4_6\"> </span>16<span class=\"__14 _12c_4\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1087\"> </span></span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span>39</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:378.86548px;\">     Kapitalv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _e3_6\"> </span>30<span class=\"__14 _1093\"> </span>30<span class=\"__14 _1087\"> </span>8<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _1087\"> </span>0<span class=\"__14 _12c_4\"> </span><span class=\"ls1c_8 ws42_5\">72</span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:362.4582px;\">     Producenttj\u00e4ns<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1194\"> </span>13<span class=\"__14 _2a_8\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1090\"> </span></span>12<span class=\"__14 _1087\"> </span>8<span class=\"__14 _1087\"> </span>0<span class=\"__14 _a3_6\"> </span>50</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:346.0509px;\">     Byggindustri<span class=\"__14 _c2_7\"> </span>35<span class=\"__14 _a2_6\"> </span>96<span class=\"__14 _1093\"> </span>26<span class=\"__14 _1092\"> </span>13<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _4b_6\"> </span><span class=\"ls14_11 ws3a_5\">170</span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:329.64362px;\">     Partihandel<span class=\"__14 _1195\"> </span>26<span class=\"__14 _1092\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _bf_7\"> </span></span>1<span class=\"__14 _12c_4\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1087\"> </span></span>0<span class=\"__14 _a3_6\"> </span>66</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:313.2363px;\">     Marktransport<span class=\"__14 _cd_6\"> </span>3<span class=\"__14 _1090\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _a2_6\"> </span></span>46<span class=\"__14 _1093\"> </span>29<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span>95</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:296.829px;\">     IT<span class=\"__14 _b_13\"/>-tj\u00e4nster<span class=\"__14 _f5_6\"> </span>3<span class=\"__14 _1087\"> </span>9<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span>58<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span>70<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:280.4217px;\">Sj\u00f6fart<span class=\"__14 _1196\"> </span>0<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _1092\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _1086\"> </span></span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _12c_4\"> </span>75</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:264.0144px;\">     V<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>vsindustri<span class=\"__14 _d2_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1086\"> </span>3<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b8_6\"> </span>3</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:247.60709px;\">     Sj\u00f6transport<span class=\"__14 _d0_6\"> </span>0<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _2a_8\"> </span>71<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _12c_4\"> </span><span class=\"ls1c_8 ws42_5\">72</span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:231.1998px;\">     Sj\u00f6fartstj\u00e4ns<span class=\"__14 _1058\"/>ter<span class=\"__14 _b4_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:214.79251px;\">Samh\u00e4llsnyttiga tj\u00e4nster<span class=\"__14 _1078\"> </span>5<span class=\"__14 _1086\"> </span>7<span class=\"__14 _1086\"> </span>3<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _2a_8\"> </span><span class=\"ls14_11 ws3a_5\">17</span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:198.3852px;\">     El, vatten och gas<span class=\"__14 _13a_4\"> </span>0<span class=\"__14 _b8_6\"> </span>5<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>6</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:181.9779px;\">     Kraftproduk<span class=\"__14 _b_13\"/>tion<span class=\"__14 _1192\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _bb_7\"> </span>1</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:165.57059px;\">     Allm\u00e4nnyttiga f<span class=\"__14 _b_13\"/>\u00f6retag<span class=\"__14 _e8_7\"> </span>5<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _1086\"> </span>3<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1093\"> </span>10<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:149.1633px;\">F<span class=\"__14 _b_13\"/>astighetsbolag<span class=\"__14 _cd_6\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _a3_6\"> </span></span>93<span class=\"__14 _12c_4\"> </span>35<span class=\"__14 _1086\"> </span>7<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1079\"> </span><span class=\"ls14_11 ws3a_5\">178<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:132.75601px;\">\u00d6vriga branscher<span class=\"__14 _13b_4\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1086\"> </span>7<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:117.085785px;\">Summa f\u00f6retagsk<span class=\"__14 _b_13\"/>under<span class=\"__14 _1159\"> </span>629<span class=\"__14 _e2_6\"> </span>408<span class=\"__14 _c3_6\"> </span>263<span class=\"__14 _be_7\"> </span>261<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1155\"> </span>1 561</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:100.6785px;\">   Bol\u00e5n<span class=\"__14 _13c_4\"> </span>269<span class=\"__14 _c3_6\"> </span>326<span class=\"__14 _1092\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _12c_4\"> </span></span>34<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b5_7\"> </span>703</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:84.27121px;\">   L\u00e5n mot s\u00e4kerhet<span class=\"__14 _13d_4\"> </span>82<span class=\"__14 _b5_7\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>4<span class=\"__14 _1093\"> </span></span>34<span class=\"__14 _1087\"> </span>4<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1101\"> </span>264</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:67.86389px;\">   L\u00e5n utan s\u00e4kerhet<span class=\"__14 _13e_4\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _a2_6\"> </span></span>86<span class=\"__14 _2a_8\"> </span>12<span class=\"__14 _1093\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _4b_6\"> </span><span class=\"ls14_11 ws3a_5\">145<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:51.456604px;\">Privatkunder<span class=\"__14 _13f_4\"> </span><span class=\"ls1f_7 ws45_4\">3<span class=\"__14 _1072\"/>74<span class=\"__14 _b5_7\"> </span></span>556<span class=\"__14 _be_7\"> </span>120<span class=\"__14 _a3_6\"> </span>62<span class=\"__14 _b8_6\"> </span><span class=\"ff2_14\">0<span class=\"__14 _1102\"> </span></span>1 112<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:35.0493px;\"><span class=\"__14 _1ce\">Offen</span><span class=\"__14 _1058\"/>tlig sektor<span class=\"__14 _cd_6\"> </span>38<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _1087\"> </span><span class=\"ff2_14\">0<span class=\"__14 _1093\"> </span></span>39<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:18.641998px;\">Summa os\u00e4kra for<span class=\"__14 _b_13\"/>dringar<span class=\"__14 _1150\"> </span>1 041<span class=\"__14 _1151\"> </span>964<span class=\"__14 _c3_6\"> </span>383<span class=\"__14 _c3_6\"> </span><span class=\"ls16_11 ws3c_5\">324<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _1152\"> </span>2 712</div><div class=\"t_14 m0_14 hd_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:2.2346954px;\">  varav v<span class=\"__14 _b_13\"/>\u00e4rderad till verkligt v\u00e4rde<span class=\"__14 _1197\"> </span>455<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1092\"> </span>15<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span><span class=\"ff2_14\">0<span class=\"__14 _1101\"> </span></span>470<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h5_13 ff1_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:785.88043px;\">Os\u00e4kra l\u00e5nef<span class=\"__14 _b_13\"/>ordringar (kategori 3), per land och bransch (inkl<span class=\"__14 _b_13\"/>usive l\u00e5n till verkligt v\u00e4rde)<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:759.59644px;\">31 dec 2021, mn euro<span class=\"__14 _e6_6\"> </span>Danmark<span class=\"__14 _1130\"> </span>Finland<span class=\"__14 _da_6\"> </span>Norge<span class=\"__14 _fc_7\"> </span>Sverige<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:526.62573px; bottom:769.34644px;\">Utanf\u00f6r <span class=\"__14 _1067\"/> </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:526.62573px; bottom:759.59644px;\">Norden<span class=\"__14 _1130\"> </span>Summa </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:742.4532px;\">Finansinstitut<span class=\"__14 _12a_4\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _b8_6\"> </span></span>5<span class=\"__14 _1092\"> </span>15<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _a2_6\"> </span>68<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:725.3088px;\">Jordbruk<span class=\"__14 _1198\"> </span>307<span class=\"__14 _12c_4\"> </span>18<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _be_7\"> </span>332</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:708.674px;\">     Gr\u00f6dor<span class=\"__14 _b_13\"/>, odling och jakt<span class=\"__14 _10d_6\"> </span>66<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _1086\"> </span>2<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _12c_4\"> </span><span class=\"ls1c_8 ws42_5\">72</span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:690.4922px;\">     Djurh\u00e5llning<span class=\"__14 _d3_6\"> </span><span class=\"ls16_11 ws3c_5\">241<span class=\"__14 _2a_8\"> </span></span>15<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1101\"> </span>2<span class=\"__14 _1072\"/>59</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:674.0849px;\">     Fiske och vatt<span class=\"__14 _1058\"/>enbruk<span class=\"__14 _12d_4\"> </span>0<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:657.67755px;\">Naturresurser<span class=\"__14 _1199\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _2a_8\"> </span></span>15<span class=\"__14 _b5_7\"> </span>207<span class=\"__14 _1087\"> </span>0<span class=\"__14 _be_7\"> </span>337<span class=\"__14 _be_7\"> </span><span class=\"ls14_11 ws3a_5\">576</span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:641.27026px;\">     Pappers- och skogsproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1183\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1090\"> </span></span>11<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1093\"> </span>32</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:624.863px;\">     Gruvdrift och kringverksamhet<span class=\"__14 _8a_6\"> </span>0<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b8_6\"> </span>3</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:608.4557px;\"><span class=\"__14 _1ce\">     Olje-, gas- och offshore-verksamhet</span><span class=\"__14 _12f_4\"> </span>0<span class=\"__14 _1086\"> </span>2<span class=\"__14 _c3_6\"> </span>202<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b5_7\"> </span>337<span class=\"__14 _4b_6\"> </span>541<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:592.0484px;\">Konsument dagligv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _de_6\"> </span>5<span class=\"__14 _1086\"> </span>5<span class=\"__14 _1087\"> </span>9<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span>20</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:575.64105px;\">     Livsmedel och drycker<span class=\"__14 _3a_9\"> </span>1<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b8_6\"> </span>5</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:559.23376px;\">     Hush\u00e5lls- och hygienproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1185\"> </span>2<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _b8_6\"> </span>8<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1200\"> </span>11</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:542.8265px;\">     H\u00e4lsov\u00e5rd<span class=\"__14 _f5_6\"> </span>2<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:526.4192px;\">Konsument s\u00e4llank<span class=\"__14 _b_13\"/>\u00f6p och tj\u00e4nster<span class=\"__14 _1201\"> </span><span class=\"ls14_11 ws3a_5\">114<span class=\"__14 _1093\"> </span></span>39<span class=\"__14 _12c_4\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _be_7\"> </span></span>104<span class=\"__14 _1087\"> </span>0<span class=\"__14 _8e_6\"> </span>271</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:510.0119px;\">     Konsumentk<span class=\"__14 _1058\"/>apitalvar<span class=\"__14 _b_13\"/>or<span class=\"__14 _1202\"> </span>3<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _a2_6\"> </span>30</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:493.60455px;\">     Media och underh\u00e5llning<span class=\"__14 _1179\"> </span>4<span class=\"__14 _12c_4\"> </span>10<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1087\"> </span>4<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _12c_4\"> </span>19</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:477.19727px;\">     Detaljhandel<span class=\"__14 _c7_6\"> </span>104<span class=\"__14 _1203\"> </span>12<span class=\"__14 _1086\"> </span>7<span class=\"__14 _a2_6\"> </span>60<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b5_7\"> </span>183</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:460.78998px;\">     Flygre<span class=\"__14 _1058\"/>sor<span class=\"__14 _1190\"> </span>0<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b8_6\"> </span>5</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:444.3827px;\">     Logi och fritid<span class=\"__14 _1191\"> </span>3<span class=\"__14 _12c_4\"> </span>10<span class=\"__14 _b8_6\"> </span>5<span class=\"__14 _b8_6\"> </span>8<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span>26</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:427.9754px;\">     <span class=\"__14 _1058\"/>T<span class=\"__14 _1c_10\"/>elekomtj\u00e4nster<span class=\"__14 _1192\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>8<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>8<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:411.56805px;\">Industri<span class=\"__14 _13c_4\"> </span>163<span class=\"__14 _b5_7\"> </span>254<span class=\"__14 _8e_6\"> </span><span class=\"ls1f_7 ws45_4\">1<span class=\"__14 _1072\"/>74<span class=\"__14 _1153\"> </span></span>118<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1101\"> </span>709</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:395.16077px;\">     R\u00e5v<span class=\"__14 _1058\"/>aror<span class=\"__14 _f4_6\"> </span>16<span class=\"__14 _1093\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _1087\"> </span></span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a3_6\"> </span>59</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:378.75348px;\">     Kapitalv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _bc_6\"> </span>62<span class=\"__14 _a3_6\"> </span>45<span class=\"__14 _2a_8\"> </span>15<span class=\"__14 _b8_6\"> </span>5<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _8e_6\"> </span>127</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:362.3462px;\">     Producenttj\u00e4ns<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1204\"> </span>16<span class=\"__14 _12c_4\"> </span>18<span class=\"__14 _2a_8\"> </span>13<span class=\"__14 _b8_6\"> </span>9<span class=\"__14 _1087\"> </span>0<span class=\"__14 _a3_6\"> </span>56</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:345.9389px;\">     Byggindustri<span class=\"__14 _1205\"> </span>38<span class=\"__14 _a2_6\"> </span>66<span class=\"__14 _a3_6\"> </span>89<span class=\"__14 _2a_8\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _4b_6\"> </span>210</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:329.53156px;\">     Partihandel<span class=\"__14 _f6_6\"> </span>22<span class=\"__14 _a3_6\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1086\"> </span></span>2<span class=\"__14 _1092\"> </span>31<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a2_6\"> </span>80</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:313.12427px;\">     Marktransport<span class=\"__14 _d3_6\"> </span>7<span class=\"__14 _a2_6\"> </span>44<span class=\"__14 _a3_6\"> </span>54<span class=\"__14 _1086\"> </span>2<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _be_7\"> </span>107</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:296.71698px;\">     IT<span class=\"__14 _b_13\"/>-tj\u00e4nster<span class=\"__14 _f5_6\"> </span>2<span class=\"__14 _1092\"> </span>13<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _a3_6\"> </span>54<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a3_6\"> </span>70<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:280.3097px;\">Sj\u00f6fart<span class=\"__14 _1206\"> </span>28<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1151\"> </span>488<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _4b_6\"> </span><span class=\"ls14_11 ws3a_5\">516</span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:263.90237px;\">     V<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>vsindustri<span class=\"__14 _d2_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:247.49509px;\">     Sj\u00f6transport<span class=\"__14 _e3_6\"> </span>28<span class=\"__14 _1087\"> </span>0<span class=\"__14 _be_7\"> </span>477<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _c3_6\"> </span>505</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:231.08777px;\">     Sj\u00f6fartstj\u00e4ns<span class=\"__14 _1058\"/>ter<span class=\"__14 _b4_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1090\"> </span>11<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1090\"> </span>11<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:214.68048px;\">Samh\u00e4llsnyttiga tj\u00e4nster<span class=\"__14 _1078\"> </span>3<span class=\"__14 _1086\"> </span>5<span class=\"__14 _1093\"> </span>37<span class=\"__14 _1086\"> </span>3<span class=\"__14 _1087\"> </span>0<span class=\"__14 _a2_6\"> </span><span class=\"ls1b_8 ws41_5\">48</span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:198.2732px;\">     El, vatten och gas<span class=\"__14 _13a_4\"> </span>0<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _1093\"> </span>28<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a3_6\"> </span>29</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:181.86588px;\">     Kraftproduk<span class=\"__14 _b_13\"/>tion<span class=\"__14 _1192\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _bb_7\"> </span>1</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:165.45859px;\">     Allm\u00e4nnyttiga f<span class=\"__14 _b_13\"/>\u00f6retag<span class=\"__14 _e8_7\"> </span>3<span class=\"__14 _1087\"> </span>4<span class=\"__14 _b8_6\"> </span>9<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1087\"> </span>0<span class=\"__14 _12c_4\"> </span>18<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:149.05127px;\">F<span class=\"__14 _b_13\"/>astighetsbolag<span class=\"__14 _d3_6\"> </span><span class=\"ls18_10 ws3e_5\">97<span class=\"__14 _1093\"> </span>97<span class=\"__14 _a3_6\"> </span></span>50<span class=\"__14 _1092\"> </span>10<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b5_7\"> </span>254<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:132.64398px;\">\u00d6vriga branscher<span class=\"__14 _13b_4\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1086\"> </span>7<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:116.973785px;\">Summa f\u00f6retagsk<span class=\"__14 _b_13\"/>under<span class=\"__14 _14a_3\"> </span>783<span class=\"__14 _1151\"> </span>438<span class=\"__14 _aa_6\"> </span>1 002<span class=\"__14 _1101\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1072\"/>0<span class=\"__14 _c3_6\"> </span></span>338<span class=\"__14 _aa_6\"> </span>2 801</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:100.56647px;\">   Bol\u00e5n<span class=\"__14 _13c_4\"> </span>346<span class=\"__14 _c3_6\"> </span>355<span class=\"__14 _1092\"> </span>81<span class=\"__14 _a3_6\"> </span><span class=\"ls24_6 ws4a_3\">42<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _1101\"> </span><span class=\"ls16_11 ws3c_5\">824</span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:84.15918px;\">   L\u00e5n mot s\u00e4kerhet<span class=\"__14 _14b_3\"> </span>129<span class=\"__14 _be_7\"> </span>138<span class=\"__14 _1092\"> </span>41<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _8e_6\"> </span>311</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:67.75189px;\">   L\u00e5n utan s\u00e4kerhet<span class=\"__14 _14c_3\"> </span>31<span class=\"__14 _8e_6\"> </span>131<span class=\"__14 _1093\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1092\"> </span></span>32<span class=\"__14 _1087\"> </span>0<span class=\"__14 _4b_6\"> </span>218<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:51.344574px;\">Privatkunder<span class=\"__14 _14d_2\"> </span>506<span class=\"__14 _1101\"> </span><span class=\"ls16_11 ws3c_5\">624<span class=\"__14 _b5_7\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>6<span class=\"__14 _12c_4\"> </span><span class=\"ls1b_8 ws41_5\">77<span class=\"__14 _1087\"> </span></span></span></span>0<span class=\"__14 _1155\"> </span>1 353<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:34.937286px;\"><span class=\"__14 _1ce\">Offen</span><span class=\"__14 _1058\"/>tlig sektor<span class=\"__14 _d3_6\"> </span>32<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a2_6\"> </span>34<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:18.529984px;\">Summa os\u00e4kra for<span class=\"__14 _b_13\"/>dringar<span class=\"__14 _14e_2\"> </span>1 321<span class=\"__14 _aa_6\"> </span>1 062<span class=\"__14 _9b_6\"> </span>1 150<span class=\"__14 _1079\"> </span><span class=\"ls14_11 ws3a_5\">317<span class=\"__14 _c3_6\"> </span></span>338<span class=\"__14 _b0_6\"> </span>4 188</div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:2.1226807px;\">  varav v<span class=\"__14 _b_13\"/>\u00e4rderad till verkligt v\u00e4rde<span class=\"__14 _1174\"> </span>658<span class=\"__14 _1087\"> </span>0<span class=\"__14 _2a_8\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _c3_6\"> </span>675<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h5_13 ff1_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:872.99567px;\">Utl\u00e5ning till allm\u00e4nheten, v\u00e4rder<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ad till upplupet anskaffningsv\u00e4rde<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:827.2117px;\">31 dec 2022, mn euro<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:139.69138px; bottom:846.7117px;\">Kredit-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:132.34378px; bottom:836.9617px;\">f\u00f6rlust<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>, </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:143.59918px; bottom:827.2117px;\"><span class=\"__14 _1ce\">netto1<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:188.16644px; bottom:846.7117px;\">Kredit-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:178.73817px; bottom:836.9617px;\">f\u00f6rlustr<span class=\"__14 _1058\"/>e-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:176.45277px; bottom:827.2117px;\">lation, pkt<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:237.36298px; bottom:856.4617px;\">Os\u00e4kra </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:228.39417px; bottom:846.7117px;\">l\u00e5neford-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:240.7248px; bottom:836.9617px;\">ringar </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:226.37277px; bottom:827.2117px;\">kategori 3<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:289.2894px; bottom:856.4617px;\">Andel </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:286.25px; bottom:846.7117px;\">os\u00e4kra </div><div class=\"t_14 m1_9 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:273.66925px; bottom:836.9617px;\">fordringar<span class=\"__14 _b_13\"/>,<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls26_6 ws4c_3\" style=\"left:299.1954px; bottom:827.2117px;\">pkt<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:331.1286px; bottom:846.7117px;\">Summa </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:333.50708px; bottom:836.9617px;\">avs\u00e4<span class=\"__14 _1058\"/>tt- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:335.72372px; bottom:827.2117px;\">ningar<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:379.91748px; bottom:846.7117px;\">A<span class=\"__14 _b_13\"/>vs\u00e4tt- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:383.90717px; bottom:836.9617px;\">ningar <span class=\"__14 _1069\"/> </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:369.63785px; bottom:827.2117px;\">kategori 1<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:430.017px; bottom:846.7117px;\">A<span class=\"__14 _b_13\"/>vs\u00e4tt- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:432.4974px; bottom:836.9617px;\">ningar <span class=\"__14 _1069\"/> </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:419.2842px; bottom:827.2117px;\"><span class=\"__14 _1ce\">kategori 2<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:479.65375px; bottom:846.7117px;\">A<span class=\"__14 _b_13\"/>vs\u00e4tt- </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:481.65637px; bottom:836.9617px;\">ningar <span class=\"__14 _1069\"/> </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:467.2386px; bottom:827.2117px;\"><span class=\"__14 _1ce\">kategori 3<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:533.1018px; bottom:846.7117px;\">T<span class=\"__14 _1058\"/>\u00e4ck-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:530.0442px; bottom:836.9617px;\">nings-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:522.5328px; bottom:827.2117px;\"><span class=\"__14 _1ce\">grad, %2<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:581.1966px; bottom:856.4617px;\">Utl\u00e5ning till </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:579.4104px; bottom:846.7117px;\">v\u00e4rderad till </div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:576.9144px; bottom:836.9617px;\">upplupet an-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:565.6434px; bottom:827.2117px;\"><span class=\"__14 _1ce\">skaffningsv\u00e4r</span><span class=\"__14 _1058\"/>de<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:810.0684px;\">Finansinstitut<span class=\"__14 _1085\"> </span>-49<span class=\"__14 _5f_6\"> </span>-34<span class=\"__14 _1136\"> </span>62<span class=\"__14 _4c_6\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _1130\"> </span></span>47<span class=\"__14 _1106\"> </span>8<span class=\"__14 _1136\"> </span>10<span class=\"__14 _fc_7\"> </span>29<span class=\"__14 _1130\"> </span>47<span class=\"__14 _b0_6\"> </span>14 534<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:792.924px;\">Jordbruk<span class=\"__14 _ff_6\"> </span>-3<span class=\"__14 _1136\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _a5_7\"> </span></span>107<span class=\"__14 _1118\"> </span>229<span class=\"__14 _4c_6\"> </span>78<span class=\"__14 _b0_6\"> </span>7<span class=\"__14 _1147\"> </span>15<span class=\"__14 _fc_7\"> </span>56<span class=\"__14 _1130\"> </span><span class=\"ls1a_9 ws40_5\">52<span class=\"__14 _1102\"> </span></span>4 604</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:776.5167px;\">     Gr\u00f6dor<span class=\"__14 _b_13\"/>, odling och jakt<span class=\"__14 _be_7\"> </span>5<span class=\"__14 _4c_6\"> </span>49<span class=\"__14 _1136\"> </span>20<span class=\"__14 _1118\"> </span>192<span class=\"__14 _1104\"> </span>15<span class=\"__14 _da_6\"> </span>3<span class=\"__14 _b7_7\"> </span>4<span class=\"__14 _b0_6\"> </span>8<span class=\"__14 _7c_6\"> </span>40<span class=\"__14 _14f_2\"> </span>1 029</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:760.10944px;\">     Djurh\u00e5llning<span class=\"__14 _1186\"> </span>-6<span class=\"__14 _1120\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _1072\"/>9<span class=\"__14 _1129\"> </span></span>86<span class=\"__14 _1117\"> </span>1 046<span class=\"__14 _7c_6\"> </span>60<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1147\"> </span>10<span class=\"__14 _a1_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _a1_6\"> </span></span>56<span class=\"__14 _a2_6\"> </span><span class=\"ls14_11 ws3a_5\">762</span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:743.7021px;\">     Fiske och vatt<span class=\"__14 _1058\"/>enbruk<span class=\"__14 _a3_6\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1147\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _1152\"> </span></span></span>1<span class=\"__14 _1106\"> </span>4<span class=\"__14 _1106\"> </span>3<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _9b_6\"> </span>1<span class=\"__14 _da_6\"> </span>0<span class=\"__14 _1106\"> </span>0<span class=\"__14 _14f_2\"> </span>2 813<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:727.2948px;\">Naturresurser<span class=\"__14 _11f_7\"> </span>26<span class=\"__14 _4c_6\"> </span>87<span class=\"__14 _1136\"> </span>39<span class=\"__14 _1118\"> </span>129<span class=\"__14 _1130\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _da_6\"> </span></span>2<span class=\"__14 _aa_6\"> </span>4<span class=\"__14 _1129\"> </span>18<span class=\"__14 _4c_6\"> </span>46<span class=\"__14 _a4_6\"> </span>2 996</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:710.8875px;\">      <span class=\"__14 _1067\"/>Pappers- och </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:16.311111px; bottom:699.8401px;\">skogsproduk<span class=\"__14 _1058\"/>ter<span class=\"__14 _4a_6\"> </span>2<span class=\"__14 _1130\"> </span>10<span class=\"__14 _1147\"> </span>22<span class=\"__14 _1118\"> </span>107<span class=\"__14 _fc_7\"> </span>18<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _aa_6\"> </span>3<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _4c_6\"> </span><span class=\"ls21_7 ws47_3\">64<span class=\"__14 _1111\"> </span></span></span>2 039</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:683.4328px;\">      <span class=\"__14 _1067\"/>Gruvdrift och </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:16.311111px; bottom:672.38544px;\">kringverksamhet<span class=\"__14 _1083\"> </span><span class=\"ls14_11 ws3a_5\">-1<span class=\"__14 _1120\"> </span><span class=\"ls16_11 ws3c_5\">-24<span class=\"__14 _1156\"> </span></span></span>3<span class=\"__14 _fc_7\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _1106\"> </span></span>2<span class=\"__14 _1106\"> </span>0<span class=\"__14 _1155\"> </span>1<span class=\"__14 _1156\"> </span>1<span class=\"__14 _a1_6\"> </span>33<span class=\"__14 _a3_6\"> </span>413</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:655.9781px;\">      <span class=\"__14 _1067\"/><span class=\"__14 _1ce\">Olje-, gas- och offshore-<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:16.311111px; bottom:644.9307px;\">verksamhet<span class=\"__14 _1207\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1154\"> </span></span>460<span class=\"__14 _1147\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1118\"> </span></span>255<span class=\"__14 _1106\"> </span>4<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _b7_7\"> </span>0<span class=\"__14 _b0_6\"> </span>3<span class=\"__14 _1129\"> </span>21<span class=\"__14 _a7_7\"> </span>544<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:628.52344px;\">Konsument dagligv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _b5_7\"> </span><span class=\"ls16_11 ws3c_5\">-26<span class=\"__14 _a5_7\"> </span><span class=\"ls14_11 ws3a_5\">-51<span class=\"__14 _1136\"> </span></span></span>87<span class=\"__14 _1121\"> </span>168<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">51<span class=\"__14 _1106\"> </span></span>8<span class=\"__14 _b7_7\"> </span>8<span class=\"__14 _fc_7\"> </span>35<span class=\"__14 _4c_6\"> </span>40<span class=\"__14 _1132\"> </span>5 119</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:612.1161px;\">     Livsmedel och drycker<span class=\"__14 _9b_6\"> </span><span class=\"ls14_11 ws3a_5\">-13<span class=\"__14 _6a_6\"> </span><span class=\"ls23_6 ws49_3\">-71<span class=\"__14 _1147\"> </span><span class=\"ls1a_9 ws40_5\">52<span class=\"__14 _1118\"> </span></span></span></span>281<span class=\"__14 _fc_7\"> </span>22<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _aa_6\"> </span>3<span class=\"__14 _1147\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1130\"> </span></span>33<span class=\"__14 _14f_2\"> </span>1 829</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:595.7088px;\">      <span class=\"__14 _1067\"/>Hush\u00e5lls- och </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:16.311111px; bottom:584.66144px;\">hygienproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1088\"> </span><span class=\"ls14_11 ws3a_5\">-1<span class=\"__14 _a6_7\"> </span>-16<span class=\"__14 _1147\"> </span></span>10<span class=\"__14 _1118\"> </span>159<span class=\"__14 _1106\"> </span>8<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _9b_6\"> </span>1<span class=\"__14 _b0_6\"> </span>5<span class=\"__14 _a1_6\"> </span>50<span class=\"__14 _a2_6\"> </span>619</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:568.2541px;\">     H\u00e4lsov\u00e5rd<span class=\"__14 _1208\"> </span><span class=\"ls14_11 ws3a_5\">-12<span class=\"__14 _5f_6\"> </span></span>-45<span class=\"__14 _1147\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _4c_6\"> </span></span>93<span class=\"__14 _1104\"> </span>21<span class=\"__14 _1106\"> </span>4<span class=\"__14 _b7_7\"> </span>4<span class=\"__14 _1136\"> </span>13<span class=\"__14 _1130\"> </span><span class=\"ls1a_9 ws40_5\">52<span class=\"__14 _7e_6\"> </span></span>2 671<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:551.8468px;\">Konsument s\u00e4llank<span class=\"__14 _b_13\"/>\u00f6p  </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:540.79944px;\">och tj\u00e4nster<span class=\"__14 _1172\"> </span>-31<span class=\"__14 _7b_6\"> </span><span class=\"ls16_11 ws3c_5\">-27<span class=\"__14 _1113\"> </span></span>287<span class=\"__14 _1121\"> </span><span class=\"ls16_11 ws3c_5\">243<span class=\"__14 _1121\"> </span>24<span class=\"__14 _1072\"/>9<span class=\"__14 _1104\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1104\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _1120\"> </span></span></span></span>187<span class=\"__14 _a1_6\"> </span>65<span class=\"__14 _aa_6\"> </span>11 540</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:524.3921px;\">     Konsumentk<span class=\"__14 _1058\"/>apitalvar<span class=\"__14 _b_13\"/>or<span class=\"__14 _8d_6\"> </span><span class=\"ls14_11 ws3a_5\">-1<span class=\"__14 _1072\"/>2<span class=\"__14 _1118\"> </span></span>-<span class=\"__14 _1072\"/>46<span class=\"__14 _1104\"> </span>44<span class=\"__14 _1118\"> </span>168<span class=\"__14 _1130\"> </span>32<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _b7_7\"> </span>6<span class=\"__14 _1104\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1130\"> </span></span>55<span class=\"__14 _1111\"> </span>2 586</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:507.9848px;\">     Media och underh\u00e5llning<span class=\"__14 _1104\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _7c_6\"> </span><span class=\"ls14_11 ws3a_5\">-11<span class=\"__14 _1136\"> </span></span></span>20<span class=\"__14 _1121\"> </span>104<span class=\"__14 _fc_7\"> </span>19<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _b7_7\"> </span>6<span class=\"__14 _1148\"> </span>11<span class=\"__14 _a1_6\"> </span>55<span class=\"__14 _9a_6\"> </span>1 899</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:491.5775px;\">     Detaljhandel<span class=\"__14 _1103\"> </span><span class=\"ls14_11 ws3a_5\">-18<span class=\"__14 _5f_6\"> </span></span>-40<span class=\"__14 _7b_6\"> </span>180<span class=\"__14 _1118\"> </span>391<span class=\"__14 _1118\"> </span><span class=\"ls14_11 ws3a_5\">146<span class=\"__14 _1106\"> </span></span>8<span class=\"__14 _1129\"> </span>20<span class=\"__14 _a6_7\"> </span>118<span class=\"__14 _4c_6\"> </span>66<span class=\"__14 _a4_6\"> </span>4 462</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:475.17023px;\">     Flygre<span class=\"__14 _1058\"/>sor<span class=\"__14 _1209\"> </span>-6<span class=\"__14 _1149\"> </span><span class=\"ls14_11 ws3a_5\">-451<span class=\"__14 _1148\"> </span></span>12<span class=\"__14 _8c_6\"> </span>839<span class=\"__14 _fc_7\"> </span>10<span class=\"__14 _1106\"> </span>0<span class=\"__14 _aa_6\"> </span>2<span class=\"__14 _b0_6\"> </span>8<span class=\"__14 _a1_6\"> </span>67<span class=\"__14 _1093\"> </span>133</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:458.76294px;\">     Logi och fritid<span class=\"__14 _1210\"> </span>4<span class=\"__14 _1130\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1136\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1118\"> </span><span class=\"ls14_11 ws3a_5\">146<span class=\"__14 _a1_6\"> </span></span></span></span>36<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1147\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _fc_7\"> </span></span>20<span class=\"__14 _7c_6\"> </span>80<span class=\"__14 _7e_6\"> </span>1 673</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:442.3556px;\">     <span class=\"__14 _1058\"/>T<span class=\"__14 _1c_10\"/>elekomtj\u00e4nster<span class=\"__14 _1125\"> </span>3<span class=\"__14 _4c_6\"> </span>38<span class=\"__14 _b7_7\"> </span>6<span class=\"__14 _1130\"> </span><span class=\"ls14_11 ws3a_5\">76<span class=\"__14 _1106\"> </span></span>6<span class=\"__14 _1106\"> </span>0<span class=\"__14 _b7_7\"> </span>0<span class=\"__14 _da_6\"> </span>6<span class=\"__14 _1118\"> </span>100<span class=\"__14 _1105\"> </span>787<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:425.9483px;\">Industri<span class=\"__14 _1176\"> </span>-52<span class=\"__14 _1113\"> </span><span class=\"ls14_11 ws3a_5\">-15<span class=\"__14 _7b_6\"> </span></span>542<span class=\"__14 _1120\"> </span><span class=\"ls14_11 ws3a_5\">1<span class=\"__14 _1072\"/>57<span class=\"__14 _8c_6\"> </span></span>446<span class=\"__14 _a1_6\"> </span>53<span class=\"__14 _7b_6\"> </span>100<span class=\"__14 _1118\"> </span>293<span class=\"__14 _a1_6\"> </span>54<span class=\"__14 _8d_6\"> </span>34 086</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:409.54102px;\">     R\u00e5v<span class=\"__14 _1058\"/>aror<span class=\"__14 _1184\"> </span>7<span class=\"__14 _fc_7\"> </span>27<span class=\"__14 _1136\"> </span>39<span class=\"__14 _1121\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>9<span class=\"__14 _1129\"> </span></span>21<span class=\"__14 _1106\"> </span>4<span class=\"__14 _b7_7\"> </span>4<span class=\"__14 _1136\"> </span>13<span class=\"__14 _a1_6\"> </span>33<span class=\"__14 _9a_6\"> </span>2 590</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:393.13373px;\">     Kapitalv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _1207\"> </span>11<span class=\"__14 _a1_6\"> </span>29<span class=\"__14 _1148\"> </span>71<span class=\"__14 _1118\"> </span>183<span class=\"__14 _1130\"> </span>55<span class=\"__14 _da_6\"> </span>5<span class=\"__14 _8d_6\"> </span>11<span class=\"__14 _1130\"> </span>39<span class=\"__14 _1130\"> </span>55<span class=\"__14 _9a_6\"> </span>3 822</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:376.7264px;\">     Producenttj\u00e4ns<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1211\"> </span>2<span class=\"__14 _1106\"> </span>3<span class=\"__14 _1129\"> </span>44<span class=\"__14 _4c_6\"> </span>68<span class=\"__14 _4c_6\"> </span>45<span class=\"__14 _fc_7\"> </span>10<span class=\"__14 _1148\"> </span>15<span class=\"__14 _1130\"> </span>20<span class=\"__14 _a1_6\"> </span>45<span class=\"__14 _1111\"> </span>6 383</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:360.31912px;\">     Byggindustri<span class=\"__14 _1103\"> </span>-37<span class=\"__14 _7b_6\"> </span>-41<span class=\"__14 _a6_7\"> </span>164<span class=\"__14 _1121\"> </span>180<span class=\"__14 _5f_6\"> </span>155<span class=\"__14 _1104\"> </span>15<span class=\"__14 _1129\"> </span>34<span class=\"__14 _5f_6\"> </span>106<span class=\"__14 _a1_6\"> </span>65<span class=\"__14 _1111\"> </span><span class=\"ls14_11 ws3a_5\">8 976</span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:343.9118px;\">     Partihandel<span class=\"__14 _2c_8\"> </span>-9<span class=\"__14 _1113\"> </span><span class=\"ls14_11 ws3a_5\">-12<span class=\"__14 _1129\"> </span><span class=\"ls21_7 ws47_3\">64<span class=\"__14 _4c_6\"> </span></span></span>85<span class=\"__14 _fc_7\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _9c_7\"> </span></span>8<span class=\"__14 _1136\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1130\"> </span></span>40<span class=\"__14 _4c_6\"> </span>63<span class=\"__14 _1111\"> </span>7 489</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:327.50452px;\">     Marktransport<span class=\"__14 _1212\"> </span><span class=\"ls14_11 ws3a_5\">-17<span class=\"__14 _a6_7\"> </span></span>-61<span class=\"__14 _1104\"> </span>94<span class=\"__14 _5f_6\"> </span>327<span class=\"__14 _a1_6\"> </span>67<span class=\"__14 _1106\"> </span>6<span class=\"__14 _b7_7\"> </span>6<span class=\"__14 _1104\"> </span>55<span class=\"__14 _a1_6\"> </span>59<span class=\"__14 _1111\"> </span>2 805</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:311.09723px;\">     IT<span class=\"__14 _b_13\"/>-tj\u00e4nster<span class=\"__14 _b2_7\"> </span>-9<span class=\"__14 _5f_6\"> </span>-<span class=\"__14 _1072\"/>45<span class=\"__14 _1104\"> </span>66<span class=\"__14 _1118\"> </span>322<span class=\"__14 _1104\"> </span>31<span class=\"__14 _da_6\"> </span>5<span class=\"__14 _b7_7\"> </span>6<span class=\"__14 _fc_7\"> </span>20<span class=\"__14 _a1_6\"> </span>30<span class=\"__14 _7e_6\"> </span>2 021<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:294.6899px;\">Sj\u00f6fart<span class=\"__14 _1173\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _4c_6\"> </span></span>39<span class=\"__14 _1129\"> </span>66<span class=\"__14 _1113\"> </span>111<span class=\"__14 _1130\"> </span>55<span class=\"__14 _fc_7\"> </span>19<span class=\"__14 _1156\"> </span>5<span class=\"__14 _1136\"> </span>31<span class=\"__14 _a1_6\"> </span>47<span class=\"__14 _1111\"> </span>5 892</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:278.28262px;\">     V<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>vsindustri<span class=\"__14 _1207\"> </span>1<span class=\"__14 _fc_7\"> </span>81<span class=\"__14 _1156\"> </span>3<span class=\"__14 _1121\"> </span>234<span class=\"__14 _1106\"> </span>4<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _b7_7\"> </span>0<span class=\"__14 _b0_6\"> </span>3<span class=\"__14 _1118\"> </span>100<span class=\"__14 _a3_6\"> </span><span class=\"ls16_11 ws3c_5\">124</span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:261.8753px;\">     Sj\u00f6transport<span class=\"__14 _1213\"> </span>22<span class=\"__14 _7c_6\"> </span>40<span class=\"__14 _1136\"> </span>63<span class=\"__14 _1120\"> </span><span class=\"ls14_11 ws3a_5\">114<span class=\"__14 _a1_6\"> </span></span>50<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1156\"> </span></span>5<span class=\"__14 _fc_7\"> </span>28<span class=\"__14 _4c_6\"> </span>44<span class=\"__14 _1111\"> </span>5 482</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:245.46802px;\">     Sj\u00f6fartstj\u00e4ns<span class=\"__14 _1058\"/>ter<span class=\"__14 _1214\"> </span>0<span class=\"__14 _1106\"> </span>0<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:257.99594px; bottom:245.49234px;\">0<span class=\"__14 _1106\"> </span>0<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _b7_7\"> </span>0<span class=\"__14 _da_6\"> </span>0<span class=\"__14 _1106\"> </span>0<span class=\"__14 _6c_6\"> </span>286<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:229.08502px;\">Samh\u00e4llsnyttiga tj\u00e4nster<span class=\"__14 _a2_6\"> </span>8<span class=\"__14 _1136\"> </span>11<span class=\"__14 _1147\"> </span>16<span class=\"__14 _1130\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _fc_7\"> </span></span>16<span class=\"__14 _1106\"> </span>5<span class=\"__14 _aa_6\"> </span>4<span class=\"__14 _b7_7\"> </span>7<span class=\"__14 _4c_6\"> </span>44<span class=\"__14 _7e_6\"> </span>7 013</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:212.67773px;\">     El, vatten och gas<span class=\"__14 _1211\"> </span>8<span class=\"__14 _1130\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _aa_6\"> </span></span>6<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _b0_6\"> </span></span>7<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1156\"> </span>2<span class=\"__14 _b0_6\"> </span>3<span class=\"__14 _a1_6\"> </span>50<span class=\"__14 _a4_6\"> </span>3 490</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:196.27042px;\">     Kraftproduk<span class=\"__14 _b_13\"/>tion<span class=\"__14 _1215\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1147\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _9b_6\"> </span></span></span>1<span class=\"__14 _da_6\"> </span>3<span class=\"__14 _1106\"> </span>3<span class=\"__14 _b0_6\"> </span>2<span class=\"__14 _b7_7\"> </span>0<span class=\"__14 _aa_6\"> </span>1<span class=\"__14 _1121\"> </span>100<span class=\"__14 _1132\"> </span>2 971</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:179.86313px;\">     Allm\u00e4nnyttiga f<span class=\"__14 _b_13\"/>\u00f6retag<span class=\"__14 _a7_7\"> </span>2<span class=\"__14 _a1_6\"> </span>36<span class=\"__14 _1156\"> </span>9<span class=\"__14 _1120\"> </span>161<span class=\"__14 _1106\"> </span>6<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _1156\"> </span>2<span class=\"__14 _b0_6\"> </span>3<span class=\"__14 _1130\"> </span>33<span class=\"__14 _a2_6\"> </span>552<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:163.45584px;\">F<span class=\"__14 _b_13\"/>astighetsbolag<span class=\"__14 _1114\"> </span>32<span class=\"__14 _1106\"> </span>9<span class=\"__14 _1113\"> </span><span class=\"ls14_11 ws3a_5\">145<span class=\"__14 _a1_6\"> </span></span>39<span class=\"__14 _5f_6\"> </span>126<span class=\"__14 _1130\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1136\"> </span></span>18<span class=\"__14 _1130\"> </span>85<span class=\"__14 _a1_6\"> </span>59<span class=\"__14 _1106\"> </span>37 089<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:147.04852px;\">\u00d6vriga branscher<span class=\"__14 _1214\"> </span>-3<span class=\"__14 _1154\"> </span>-112<span class=\"__14 _1156\"> </span>7<span class=\"__14 _1121\"> </span>239<span class=\"__14 _1130\"> </span>26<span class=\"__14 _1106\"> </span>4<span class=\"__14 _1104\"> </span>20<span class=\"__14 _b7_7\"> </span>2<span class=\"__14 _a1_6\"> </span>29<span class=\"__14 _a2_6\"> </span>267<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:131.37833px;\">Summa f\u00f6retagsk<span class=\"__14 _b_13\"/>under<span class=\"__14 _14f_2\"> </span><span class=\"ls22_6 ws48_3\">-75<span class=\"__14 _1129\"> </span></span>-6<span class=\"__14 _4e_6\"> </span>1 358<span class=\"__14 _1121\"> </span>109<span class=\"__14 _3f_8\"> </span>1 118<span class=\"__14 _1118\"> </span><span class=\"ls14_11 ws3a_5\">143<span class=\"__14 _7b_6\"> </span></span>232<span class=\"__14 _5f_6\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _1072\"/>3<span class=\"__14 _fc_7\"> </span></span>55<span class=\"__14 _1104\"> </span>12<span class=\"__14 _1072\"/>3 140</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:114.97102px;\">   Bol\u00e5n<span class=\"__14 _1216\"> </span><span class=\"ls16_11 ws3c_5\">-29<span class=\"__14 _1147\"> </span>-2<span class=\"__14 _1120\"> </span></span>435<span class=\"__14 _a1_6\"> </span>36<span class=\"__14 _1118\"> </span><span class=\"ls14_11 ws3a_5\">146<span class=\"__14 _1104\"> </span></span>15<span class=\"__14 _1129\"> </span>45<span class=\"__14 _1130\"> </span>86<span class=\"__14 _4c_6\"> </span>20<span class=\"__14 _1136\"> </span>120 941</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:98.56372px;\">   L\u00e5n mot s\u00e4kerhet<span class=\"__14 _15a_1\"> </span>46<span class=\"__14 _1130\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _5f_6\"> </span></span>264<span class=\"__14 _1118\"> </span>130<span class=\"__14 _1121\"> </span>203<span class=\"__14 _4c_6\"> </span>38<span class=\"__14 _1129\"> </span>50<span class=\"__14 _1113\"> </span>115<span class=\"__14 _4c_6\"> </span>44<span class=\"__14 _1106\"> </span>20 092</div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:82.15643px;\">   L\u00e5n utan s\u00e4kerhet<span class=\"__14 _15b_1\"> </span>-62<span class=\"__14 _1096\"> </span>-109<span class=\"__14 _a6_7\"> </span><span class=\"ls14_11 ws3a_5\">146<span class=\"__14 _1121\"> </span></span>250<span class=\"__14 _1120\"> </span><span class=\"ls1f_7 ws45_4\">1<span class=\"__14 _1066\"/>74<span class=\"__14 _1104\"> </span></span>19<span class=\"__14 _1147\"> </span>81<span class=\"__14 _1104\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _1136\"> </span><span class=\"ls14_11 ws3a_5\">51<span class=\"__14 _14f_2\"> </span></span></span>5 677<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:65.74913px;\">Privatkunder<span class=\"__14 _1207\"> </span>-45<span class=\"__14 _1129\"> </span>-3<span class=\"__14 _1118\"> </span>845<span class=\"__14 _fc_7\"> </span><span class=\"ls14_11 ws3a_5\">57<span class=\"__14 _1121\"> </span><span class=\"ls1a_9 ws40_5\">523<span class=\"__14 _1130\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _7b_6\"> </span></span></span>176<span class=\"__14 _1120\"> </span></span>275<span class=\"__14 _a1_6\"> </span>33<span class=\"__14 _1104\"> </span>146 710<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:49.341827px;\"><span class=\"__14 _1ce\">Offen</span><span class=\"__14 _1058\"/>tlig sektor<span class=\"__14 _1213\"> </span>8<span class=\"__14 _fc_7\"> </span>15<span class=\"__14 _1136\"> </span>39<span class=\"__14 _1130\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _b0_6\"> </span></span>3<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _b7_7\"> </span>0<span class=\"__14 _b0_6\"> </span>2<span class=\"__14 _da_6\"> </span>5<span class=\"__14 _1111\"> </span>5 266<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:32.934525px;\">Utl\u00e5ning till allm\u00e4nheten <span class=\"__14 _7c_6\"> </span>-112<span class=\"__14 _fc_7\"> </span><span class=\"ls1b_8 ws41_5\">-4<span class=\"__14 _5a_6\"> </span><span class=\"ls16_11 ws3c_5\">2 24<span class=\"__14 _1072\"/>2<span class=\"__14 _fc_7\"> </span></span></span>81<span class=\"__14 _3d_8\"> </span>1 644<span class=\"__14 _1118\"> </span>216<span class=\"__14 _1121\"> </span>408<span class=\"__14 _a0_6\"> </span>1 020<span class=\"__14 _4c_6\"> </span>45<span class=\"__14 _1136\"> </span>275 116<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hf_13 ff2_14 fs8_12 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:13.291786px;\">1)   <span class=\"__14 _1069\"/>Inklusive reserveringar f<span class=\"__14 _b_13\"/>\u00f6r exponeringar utanf\u00f6r balansr\u00e4kningen.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hf_13 ff2_14 fs8_12 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:1.6877289px;\">2)   <span class=\"__14 _1069\"/>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar f\u00f6r kategori 3 dividera<span class=\"__14 _b_13\"/>t med exponeringar i kategori 3.<span class=\"__14 _1ce\"> </span></div>Utl\u00e5ning till allm\u00e4nheten, v\u00e4rder<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ad till upplupet anskaffningsv\u00e4rde<span class=\"__14 _1ce\"> </span></span>31 dec 2021, mn euro<span class=\"__14 _1ce\"> </span>Kredit-<span class=\"__14 _1ce\"> </span>f\u00f6rlust<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>, <span class=\"__14 _1ce\">netto1<span class=\"__14 _1ce\"> </span></span>Kredit-<span class=\"__14 _1ce\"> </span>f\u00f6rlustr<span class=\"__14 _1058\"/>e-<span class=\"__14 _1ce\"> </span>lation, pkt<span class=\"__14 _1ce\"> </span>Os\u00e4kra l\u00e5neford-<span class=\"__14 _1ce\"> </span>ringar kategori 3<span class=\"__14 _1ce\"> </span>Andel os\u00e4kra fordringar<span class=\"__14 _b_13\"/>,<span class=\"__14 _1ce\"> </span>pkt<span class=\"__14 _1ce\"> </span>Summa avs\u00e4<span class=\"__14 _1058\"/>tt- ningar<span class=\"__14 _1ce\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4tt- ningar <span class=\"__14 _1069\"/> kategori 1<span class=\"__14 _1ce\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4tt- ningar <span class=\"__14 _1069\"/> <span class=\"__14 _1ce\">kategori 2<span class=\"__14 _1ce\"> </span></span>A<span class=\"__14 _b_13\"/>vs\u00e4tt- ningar <span class=\"__14 _1069\"/> <span class=\"__14 _1ce\">kategori 3<span class=\"__14 _1ce\"> </span></span>T<span class=\"__14 _1058\"/>\u00e4ck-<span class=\"__14 _1ce\"> </span>nings-<span class=\"__14 _1ce\"> </span>grad, %<span class=\"__14 _1ce\"> </span>2<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till v\u00e4rderad till upplupet an-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">skaffningsv\u00e4r</span><span class=\"__14 _1058\"/>de<span class=\"__14 _1ce\"> </span>Finansinstitut<span class=\"__14 _15c_1\"> </span>29<span class=\"__14 _1130\"> </span>22<span class=\"__14 _a1_6\"> </span>59<span class=\"__14 _a1_6\"> </span>45<span class=\"__14 _a1_6\"> </span>38<span class=\"__14 _1106\"> </span>6<span class=\"__14 _1106\"> </span>8<span class=\"__14 _a1_6\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1104\"> </span></span>41<span class=\"__14 _1155\"> </span>13 179<span class=\"__14 _1ce\"> </span>Jordbruk<span class=\"__14 _1216\"> </span>16<span class=\"__14 _1130\"> </span>37<span class=\"__14 _5f_6\"> </span>136<span class=\"__14 _5f_6\"> </span>312<span class=\"__14 _4c_6\"> </span>99<span class=\"__14 _1106\"> </span>5<span class=\"__14 _1129\"> </span>12<span class=\"__14 _a1_6\"> </span>82<span class=\"__14 _7c_6\"> </span>60<span class=\"__14 _9a_6\"> </span>4 365     Gr\u00f6dor<span class=\"__14 _b_13\"/>, odling och jakt<span class=\"__14 _a7_7\"> </span>2<span class=\"__14 _fc_7\"> </span>19<span class=\"__14 _1130\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1121\"> </span></span>238<span class=\"__14 _1130\"> </span>22<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>5<span class=\"__14 _1129\"> </span>15<span class=\"__14 _7c_6\"> </span>60<span class=\"__14 _7e_6\"> </span>1 052     Djurh\u00e5llning<span class=\"__14 _15d_1\"> </span>8<span class=\"__14 _4c_6\"> </span>99<span class=\"__14 _1121\"> </span>109<span class=\"__14 _3f_8\"> </span>1 352<span class=\"__14 _fc_7\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _b7_7\"> </span></span>1<span class=\"__14 _b0_6\"> </span>7<span class=\"__14 _4c_6\"> </span>66<span class=\"__14 _fc_7\"> </span>61<span class=\"__14 _1153\"> </span>806     Fiske och vatt<span class=\"__14 _1058\"/>enbruk<span class=\"__14 _b8_6\"> </span>6<span class=\"__14 _1130\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _da_6\"> </span></span>2<span class=\"__14 _1106\"> </span>8<span class=\"__14 _1106\"> </span>3<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>0<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _a1_6\"> </span>50<span class=\"__14 _14f_2\"> </span>2 507<span class=\"__14 _1ce\"> </span>Naturresurser<span class=\"__14 _11f_7\"> </span><span class=\"ls14_11 ws3a_5\">-15<span class=\"__14 _5f_6\"> </span></span>-50<span class=\"__14 _1118\"> </span><span class=\"ls14_11 ws3a_5\">575<span class=\"__14 _1117\"> </span></span>1 909<span class=\"__14 _1121\"> </span>353<span class=\"__14 _1106\"> </span>4<span class=\"__14 _1106\"> </span>4<span class=\"__14 _8c_6\"> </span>345<span class=\"__14 _4c_6\"> </span>60<span class=\"__14 _7e_6\"> </span>3 012      <span class=\"__14 _1067\"/>Pappers- och skogsproduk<span class=\"__14 _1058\"/>ter<span class=\"__14 _2f_8\"> </span>8<span class=\"__14 _fc_7\"> </span>41<span class=\"__14 _1130\"> </span>32<span class=\"__14 _1118\"> </span>165<span class=\"__14 _fc_7\"> </span>22<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>4<span class=\"__14 _fc_7\"> </span>16<span class=\"__14 _a1_6\"> </span>50<span class=\"__14 _14f_2\"> </span>1 942      <span class=\"__14 _1067\"/>Gruvdrift och kringverksamhet<span class=\"__14 _1165\"> </span>2<span class=\"__14 _4c_6\"> </span>56<span class=\"__14 _da_6\"> </span>3<span class=\"__14 _4c_6\"> </span>84<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _1106\"> </span>0<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _a1_6\"> </span>33<span class=\"__14 _1105\"> </span>356      <span class=\"__14 _1067\"/><span class=\"__14 _1ce\">Olje-, gas- och offshore-<span class=\"__14 _1ce\"> </span></span>verksamhet<span class=\"__14 _1085\"> </span><span class=\"ls16_11 ws3c_5\">-25<span class=\"__14 _1098\"> </span></span>-350<span class=\"__14 _8c_6\"> </span>540<span class=\"__14 _1117\"> </span>7 563<span class=\"__14 _1121\"> </span>329<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _9c_7\"> </span>0<span class=\"__14 _1121\"> </span>328<span class=\"__14 _fc_7\"> </span>61<span class=\"__14 _1093\"> </span><span class=\"ls14_11 ws3a_5\">714<span class=\"__14 _1ce\"> </span></span>Konsument dagligv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _1090\"> </span>13<span class=\"__14 _4c_6\"> </span>30<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1130\"> </span></span>39<span class=\"__14 _1130\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _9c_7\"> </span></span>4<span class=\"__14 _1136\"> </span>11<span class=\"__14 _fc_7\"> </span>10<span class=\"__14 _a1_6\"> </span>59<span class=\"__14 _9a_6\"> </span>4 37<span class=\"__14 _1072\"/>3     Livsmedel och drycker<span class=\"__14 _a7_7\"> </span>4<span class=\"__14 _1130\"> </span>33<span class=\"__14 _1106\"> </span>5<span class=\"__14 _a1_6\"> </span><span class=\"ls24_6 ws4a_3\">42<span class=\"__14 _1106\"> </span></span>9<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>3<span class=\"__14 _1106\"> </span>4<span class=\"__14 _7c_6\"> </span>80<span class=\"__14 _7e_6\"> </span>1 203      <span class=\"__14 _1067\"/>Hush\u00e5lls- och hygienproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _15e_1\"> </span>1<span class=\"__14 _fc_7\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _fc_7\"> </span></span>10<span class=\"__14 _1118\"> </span>138<span class=\"__14 _1106\"> </span>6<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _1106\"> </span>4<span class=\"__14 _7c_6\"> </span>40<span class=\"__14 _a2_6\"> </span><span class=\"ls1b_8 ws41_5\">7<span class=\"__14 _1072\"/>23</span>     H\u00e4lsov\u00e5rd<span class=\"__14 _1166\"> </span>8<span class=\"__14 _a1_6\"> </span>33<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>8<span class=\"__14 _1130\"> </span>10<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _da_6\"> </span>7<span class=\"__14 _b0_6\"> </span>2<span class=\"__14 _1121\"> </span>100<span class=\"__14 _9a_6\"> </span>2 447<span class=\"__14 _1ce\"> </span>Konsument s\u00e4llank<span class=\"__14 _b_13\"/>\u00f6p  och tj\u00e4nster<span class=\"__14 _15f\"> </span>-81<span class=\"__14 _a6_7\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _1072\"/>7<span class=\"__14 _1118\"> </span></span>263<span class=\"__14 _5f_6\"> </span><span class=\"ls14_11 ws3a_5\">251<span class=\"__14 _1118\"> </span></span>232<span class=\"__14 _1136\"> </span>11<span class=\"__14 _1130\"> </span>55<span class=\"__14 _1121\"> </span>166<span class=\"__14 _a1_6\"> </span>63<span class=\"__14 _b0_6\"> </span>10 482     Konsumentk<span class=\"__14 _1058\"/>apitalvar<span class=\"__14 _b_13\"/>or<span class=\"__14 _1101\"> </span>6<span class=\"__14 _a1_6\"> </span>26<span class=\"__14 _a1_6\"> </span>30<span class=\"__14 _1118\"> </span>130<span class=\"__14 _1129\"> </span>21<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>6<span class=\"__14 _fc_7\"> </span>13<span class=\"__14 _a1_6\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _7e_6\"> </span></span>2 301     Media och underh\u00e5llning<span class=\"__14 _b7_7\"> </span>6<span class=\"__14 _a1_6\"> </span>39<span class=\"__14 _fc_7\"> </span>18<span class=\"__14 _1120\"> </span>118<span class=\"__14 _fc_7\"> </span>19<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _9c_7\"> </span>8<span class=\"__14 _fc_7\"> </span>10<span class=\"__14 _a1_6\"> </span>56<span class=\"__14 _7e_6\"> </span>1 520     Detaljhandel<span class=\"__14 _1217\"> </span><span class=\"ls1f_7 ws45_4\">-74<span class=\"__14 _1154\"> </span></span>-181<span class=\"__14 _5f_6\"> </span><span class=\"ls14_11 ws3a_5\">178<span class=\"__14 _1121\"> </span></span>435<span class=\"__14 _1121\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>0<span class=\"__14 _da_6\"> </span></span>5<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1120\"> </span></span>118<span class=\"__14 _4c_6\"> </span>66<span class=\"__14 _1102\"> </span>4 090     Flygre<span class=\"__14 _1058\"/>sor<span class=\"__14 _1218\"> </span>6<span class=\"__14 _7b_6\"> </span>311<span class=\"__14 _da_6\"> </span>5<span class=\"__14 _1121\"> </span>259<span class=\"__14 _1106\"> </span>5<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _7c_6\"> </span>40<span class=\"__14 _a3_6\"> </span>193     Logi och fritid<span class=\"__14 _2f_8\"> </span><span class=\"ls16_11 ws3c_5\">-25<span class=\"__14 _8f_6\"> </span><span class=\"ls14_11 ws3a_5\">-145<span class=\"__14 _1130\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1118\"> </span></span>14<span class=\"__14 _1072\"/>5<span class=\"__14 _4c_6\"> </span></span></span>40<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1130\"> </span>22<span class=\"__14 _fc_7\"> </span>16<span class=\"__14 _4c_6\"> </span><span class=\"ls21_7 ws47_3\">64<span class=\"__14 _7e_6\"> </span></span>1 726     <span class=\"__14 _1058\"/>T<span class=\"__14 _1c_10\"/>elekomtj\u00e4nster<span class=\"__14 _4a_6\"> </span>0<span class=\"__14 _1106\"> </span>0<span class=\"__14 _da_6\"> </span>7<span class=\"__14 _5f_6\"> </span>107<span class=\"__14 _da_6\"> </span>7<span class=\"__14 _1106\"> </span>0<span class=\"__14 _9c_7\"> </span>0<span class=\"__14 _b0_6\"> </span>7<span class=\"__14 _1121\"> </span>100<span class=\"__14 _1105\"> </span>652<span class=\"__14 _1ce\"> </span>Industri<span class=\"__14 _12f_4\"> </span>32<span class=\"__14 _1136\"> </span>11<span class=\"__14 _8c_6\"> </span>682<span class=\"__14 _1121\"> </span>228<span class=\"__14 _1154\"> </span>460<span class=\"__14 _fc_7\"> </span>41<span class=\"__14 _a1_6\"> </span>95<span class=\"__14 _1121\"> </span><span class=\"ls16_11 ws3c_5\">3<span class=\"__14 _1072\"/>24<span class=\"__14 _4c_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _da_6\"> </span></span></span>29 901     R\u00e5v<span class=\"__14 _1058\"/>aror<span class=\"__14 _1160\"> </span>35<span class=\"__14 _1121\"> </span>184<span class=\"__14 _a1_6\"> </span>59<span class=\"__14 _7b_6\"> </span>311<span class=\"__14 _a1_6\"> </span>38<span class=\"__14 _da_6\"> </span>3<span class=\"__14 _1106\"> </span>5<span class=\"__14 _a1_6\"> </span>30<span class=\"__14 _1104\"> </span><span class=\"ls14_11 ws3a_5\">51<span class=\"__14 _9a_6\"> </span></span>1 899     Kapitalv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _11f_7\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _a6_7\"> </span><span class=\"ls14_11 ws3a_5\">-19<span class=\"__14 _5f_6\"> </span><span class=\"ls16_11 ws3c_5\">1<span class=\"__14 _1072\"/>24<span class=\"__14 _1121\"> </span></span></span></span>343<span class=\"__14 _fc_7\"> </span><span class=\"ls1b_8 ws41_5\">77<span class=\"__14 _1106\"> </span></span>3<span class=\"__14 _fc_7\"> </span>16<span class=\"__14 _a1_6\"> </span>58<span class=\"__14 _1130\"> </span>47<span class=\"__14 _14f_2\"> </span>3 610     Producenttj\u00e4ns<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1219\"> </span>18<span class=\"__14 _1130\"> </span>35<span class=\"__14 _7c_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _4c_6\"> </span></span>94<span class=\"__14 _7c_6\"> </span>49<span class=\"__14 _b0_6\"> </span>7<span class=\"__14 _1104\"> </span>15<span class=\"__14 _fc_7\"> </span>27<span class=\"__14 _a1_6\"> </span>56<span class=\"__14 _e2_6\"> </span>5 131     Byggindustri<span class=\"__14 _1217\"> </span><span class=\"ls14_11 ws3a_5\">-19<span class=\"__14 _7b_6\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1072\"/>2<span class=\"__14 _8c_6\"> </span></span></span>200<span class=\"__14 _1118\"> </span>233<span class=\"__14 _1118\"> </span><span class=\"ls14_11 ws3a_5\">144<span class=\"__14 _1104\"> </span></span>13<span class=\"__14 _4c_6\"> </span>30<span class=\"__14 _1120\"> </span>101<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">51<span class=\"__14 _9a_6\"> </span></span>8 578     Partihandel<span class=\"__14 _11f_7\"> </span>29<span class=\"__14 _7c_6\"> </span>49<span class=\"__14 _fc_7\"> </span><span class=\"ls1b_8 ws41_5\">77<span class=\"__14 _a6_7\"> </span></span>131<span class=\"__14 _a1_6\"> </span>67<span class=\"__14 _b0_6\"> </span>7<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _a1_6\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _a1_6\"> </span></span></span>56<span class=\"__14 _a4_6\"> </span>5 896     Marktransport<span class=\"__14 _15e_1\"> </span><span class=\"ls14_11 ws3a_5\">-1<span class=\"__14 _1072\"/>5<span class=\"__14 _1120\"> </span></span>-5<span class=\"__14 _1072\"/>2<span class=\"__14 _1121\"> </span>106<span class=\"__14 _1121\"> </span>370<span class=\"__14 _a1_6\"> </span>58<span class=\"__14 _1106\"> </span>4<span class=\"__14 _1106\"> </span>6<span class=\"__14 _7c_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _4c_6\"> </span></span>45<span class=\"__14 _9a_6\"> </span>2 862     IT<span class=\"__14 _b_13\"/>-tj\u00e4nster<span class=\"__14 _10a_6\"> </span>-9<span class=\"__14 _1120\"> </span>-47<span class=\"__14 _4c_6\"> </span>68<span class=\"__14 _1121\"> </span>353<span class=\"__14 _fc_7\"> </span>27<span class=\"__14 _1106\"> </span>4<span class=\"__14 _1106\"> </span>6<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1130\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _14f_2\"> </span></span></span>1 92<span class=\"__14 _1072\"/>5<span class=\"__14 _1ce\"> </span>Sj\u00f6fart<span class=\"__14 _1173\"> </span><span class=\"ls14_11 ws3a_5\">-12<span class=\"__14 _a6_7\"> </span>-18<span class=\"__14 _1121\"> </span></span>505<span class=\"__14 _8c_6\"> </span><span class=\"ls14_11 ws3a_5\">76<span class=\"__14 _1072\"/>8<span class=\"__14 _1118\"> </span></span>166<span class=\"__14 _da_6\"> </span>7<span class=\"__14 _da_6\"> </span>7<span class=\"__14 _5f_6\"> </span>15<span class=\"__14 _1072\"/>2<span class=\"__14 _4c_6\"> </span>30<span class=\"__14 _9a_6\"> </span><span class=\"ls14_11 ws3a_5\">6 576</span>     V<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>vsindustri<span class=\"__14 _1220\"> </span>4<span class=\"__14 _1118\"> </span>159<span class=\"__14 _1106\"> </span>0<span class=\"__14 _9c_7\"> </span>0<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>0<span class=\"__14 _1106\"> </span>0<span class=\"__14 _9c_7\"> </span>0<span class=\"__14 _a2_6\"> </span><span class=\"ls1a_9 ws40_5\">252</span>     Sj\u00f6transport<span class=\"__14 _1213\"> </span><span class=\"ls14_11 ws3a_5\">-17<span class=\"__14 _1120\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1072\"/>9<span class=\"__14 _1121\"> </span></span></span>505<span class=\"__14 _8c_6\"> </span>862<span class=\"__14 _1118\"> </span>163<span class=\"__14 _da_6\"> </span>5<span class=\"__14 _da_6\"> </span>7<span class=\"__14 _a6_7\"> </span><span class=\"ls14_11 ws3a_5\">151<span class=\"__14 _a1_6\"> </span></span>30<span class=\"__14 _14f_2\"> </span>5 85<span class=\"__14 _1058\"/>7     Sj\u00f6fartstj\u00e4ns<span class=\"__14 _1058\"/>ter<span class=\"__14 _1114\"> </span>1<span class=\"__14 _1104\"> </span>21<span class=\"__14 _1ce\"> </span>0<span class=\"__14 _1106\"> </span>0<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _1106\"> </span>0<span class=\"__14 _9c_7\"> </span>0<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _1106\"> </span>0<span class=\"__14 _a7_7\"> </span>467<span class=\"__14 _1ce\"> </span>Samh\u00e4llsnyttiga tj\u00e4nster<span class=\"__14 _be_7\"> </span><span class=\"ls14_11 ws3a_5\">-11<span class=\"__14 _1113\"> </span>-14<span class=\"__14 _a1_6\"> </span></span>45<span class=\"__14 _a1_6\"> </span>58<span class=\"__14 _4c_6\"> </span>40<span class=\"__14 _1106\"> </span>4<span class=\"__14 _da_6\"> </span>7<span class=\"__14 _a1_6\"> </span>29<span class=\"__14 _4c_6\"> </span><span class=\"ls21_7 ws47_3\">64<span class=\"__14 _14f_2\"> </span></span>7 705     El, vatten och gas<span class=\"__14 _1221\"> </span>-6<span class=\"__14 _a6_7\"> </span><span class=\"ls14_11 ws3a_5\">-16<span class=\"__14 _1130\"> </span></span>29<span class=\"__14 _a1_6\"> </span><span class=\"ls1d_8 ws43_5\">79<span class=\"__14 _a1_6\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _b0_6\"> </span></span></span>2<span class=\"__14 _1106\"> </span>5<span class=\"__14 _1136\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _4c_6\"> </span></span>59<span class=\"__14 _14f_2\"> </span>3 661     Kraftproduk<span class=\"__14 _b_13\"/>tion<span class=\"__14 _1214\"> </span>2<span class=\"__14 _1106\"> </span>6<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _da_6\"> </span>3<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>0<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _1121\"> </span>100<span class=\"__14 _9a_6\"> </span>3 345     Allm\u00e4nnyttiga f<span class=\"__14 _b_13\"/>\u00f6retag<span class=\"__14 _6c_6\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _1149\"> </span></span>-<span class=\"__14 _1058\"/>100<span class=\"__14 _1104\"> </span>15<span class=\"__14 _5f_6\"> </span>215<span class=\"__14 _fc_7\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _b0_6\"> </span></span>2<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _1136\"> </span>11<span class=\"__14 _fc_7\"> </span><span class=\"ls20_7 ws46_4\">73<span class=\"__14 _1153\"> </span></span>699<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _b_13\"/>astighetsbolag<span class=\"__14 _1222\"> </span>-44<span class=\"__14 _1113\"> </span><span class=\"ls14_11 ws3a_5\">-1<span class=\"__14 _1072\"/>2<span class=\"__14 _1118\"> </span></span>182<span class=\"__14 _a1_6\"> </span>50<span class=\"__14 _1118\"> </span>183<span class=\"__14 _1130\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _a1_6\"> </span><span class=\"ls24_6 ws4a_3\">42<span class=\"__14 _a6_7\"> </span><span class=\"ls14_11 ws3a_5\">117<span class=\"__14 _4c_6\"> </span><span class=\"ls21_7 ws47_3\">64<span class=\"__14 _1106\"> </span></span></span></span></span>36 692<span class=\"__14 _1ce\"> </span>\u00d6vriga branscher<span class=\"__14 _1217\"> </span>0<span class=\"__14 _9c_7\"> </span>0<span class=\"__14 _1106\"> </span>8<span class=\"__14 _1118\"> </span>128<span class=\"__14 _1106\"> </span>6<span class=\"__14 _da_6\"> </span>5<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _1106\"> </span>0<span class=\"__14 _1106\"> </span>0<span class=\"__14 _a7_7\"> </span>625<span class=\"__14 _1ce\"> </span>Summa f\u00f6retagsk<span class=\"__14 _b_13\"/>under<span class=\"__14 _1101\"> </span><span class=\"ls22_6 ws48_3\">-7<span class=\"__14 _1072\"/>3<span class=\"__14 _1129\"> </span></span>-6<span class=\"__14 _1223\"> </span>2 472<span class=\"__14 _7b_6\"> </span>211<span class=\"__14 _1223\"> </span>1 602<span class=\"__14 _1113\"> </span>111<span class=\"__14 _1121\"> </span><span class=\"ls16_11 ws3c_5\">242<span class=\"__14 _a0_6\"> </span></span>1 249<span class=\"__14 _fc_7\"> </span><span class=\"ls14_11 ws3a_5\">51<span class=\"__14 _1129\"> </span></span>116 910   Bol\u00e5n<span class=\"__14 _1224\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _1072\"/>2<span class=\"__14 _1129\"> </span></span>-6<span class=\"__14 _1118\"> </span>477<span class=\"__14 _a1_6\"> </span>39<span class=\"__14 _1120\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>1<span class=\"__14 _1104\"> </span></span>15<span class=\"__14 _a1_6\"> </span>38<span class=\"__14 _7c_6\"> </span>88<span class=\"__14 _fc_7\"> </span>18<span class=\"__14 _1104\"> </span>122 984   L\u00e5n mot s\u00e4kerhet<span class=\"__14 _1145\"> </span>27<span class=\"__14 _fc_7\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1118\"> </span></span>310<span class=\"__14 _1118\"> </span>166<span class=\"__14 _1121\"> </span>256<span class=\"__14 _a1_6\"> </span>47<span class=\"__14 _4c_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _5f_6\"> </span></span>161<span class=\"__14 _1130\"> </span><span class=\"ls1a_9 ws40_5\">52<span class=\"__14 _b7_7\"> </span></span>18 632   L\u00e5n utan s\u00e4kerhet<span class=\"__14 _1164\"> </span>4<span class=\"__14 _9c_7\"> </span>6<span class=\"__14 _5f_6\"> </span>219<span class=\"__14 _1121\"> </span>32<span class=\"__14 _1072\"/>3<span class=\"__14 _1121\"> </span>202<span class=\"__14 _1104\"> </span>21<span class=\"__14 _1129\"> </span>71<span class=\"__14 _1120\"> </span>110<span class=\"__14 _a1_6\"> </span>50<span class=\"__14 _9a_6\"> </span>6 779<span class=\"__14 _1ce\"> </span>Privatkunder<span class=\"__14 _11f_7\"> </span>-<span class=\"__14 _1072\"/>41<span class=\"__14 _1129\"> </span>-3<span class=\"__14 _3d_8\"> </span>1 006<span class=\"__14 _7c_6\"> </span>68<span class=\"__14 _8c_6\"> </span>599<span class=\"__14 _4c_6\"> </span>83<span class=\"__14 _5f_6\"> </span><span class=\"ls14_11 ws3a_5\">157<span class=\"__14 _1121\"> </span></span>359<span class=\"__14 _4c_6\"> </span>36<span class=\"__14 _a1_6\"> </span>148 395<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Offen</span><span class=\"__14 _1058\"/>tlig sektor<span class=\"__14 _1225\"> </span><span class=\"ls1b_8 ws41_5\">-4<span class=\"__14 _1104\"> </span></span>-9<span class=\"__14 _4c_6\"> </span>34<span class=\"__14 _1130\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _b0_6\"> </span></span>2<span class=\"__14 _1106\"> </span>0<span class=\"__14 _9c_7\"> </span>0<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>6<span class=\"__14 _1102\"> </span>4 569<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till allm\u00e4nheten <span class=\"__14 _fc_7\"> </span>-118<span class=\"__14 _1104\"> </span><span class=\"ls1b_8 ws41_5\">-4<span class=\"__14 _8b_6\"> </span></span>3 512<span class=\"__14 _1121\"> </span>130<span class=\"__14 _1223\"> </span>2 203<span class=\"__14 _1121\"> </span>194<span class=\"__14 _8c_6\"> </span>399<span class=\"__14 _a0_6\"> </span>1 610<span class=\"__14 _7c_6\"> </span>46<span class=\"__14 _a1_6\"> </span>269 87<span class=\"__14 _b_13\"/>4<span class=\"__14 _1ce\"> </span>1)  Inklusive reserveringar f\u00f6r e<span class=\"__14 _b_13\"/>xponeringar utanf\u00f6r balansr\u00e4kningen.<span class=\"__14 _1ce\"> </span>2)   <span class=\"__14 _1069\"/>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar f\u00f6r kategori 3 dividera<span class=\"__14 _b_13\"/>t med exponeringar i kategori 3<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till allm\u00e4nheten, v\u00e4rder<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ad till upplupet anskaffningsv\u00e4rde, geogr</span><span class=\"__14 _b_13\"/>a\ufb01sk f\u00f6rdelning<span class=\"__14 _1ce\"> </span>1<span class=\"__14 _1ce\"> </span>Brutto<span class=\"__14 _b3_6\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>31 dec 2022, mn euro<span class=\"__14 _1222\"> </span>Ka<span class=\"__14 _1058\"/>tegori 1<span class=\"__14 _1154\"> </span>Kategori 2<span class=\"__14 _1115\"> </span>Kategori 3<span class=\"__14 _8c_6\"> </span>Kategori 1<span class=\"__14 _1154\"> </span>Kategori 2<span class=\"__14 _1115\"> </span>Kategori 3<span class=\"__14 _14f_2\"> </span>Netto<span class=\"__14 _1ce\"> </span>Danmark<span class=\"__14 _5e_6\"> </span>23 868<span class=\"__14 _9a_6\"> </span>1 668<span class=\"__14 _a3_6\"> </span>531<span class=\"__14 _1087\"> </span><span class=\"ls1a_9 ws40_5\">52<span class=\"__14 _a2_6\"> </span></span>139<span class=\"__14 _a2_6\"> </span>287<span class=\"__14 _1106\"> </span>25 589<span class=\"__14 _1ce\"> </span>Finland<span class=\"__14 _bd_7\"> </span>62 330<span class=\"__14 _9a_6\"> </span>5 657<span class=\"__14 _1105\"> </span>955<span class=\"__14 _1226\"> </span>39<span class=\"__14 _1093\"> </span>125<span class=\"__14 _6c_6\"> </span>384<span class=\"__14 _9c_7\"> </span>68 394<span class=\"__14 _1ce\"> </span>Norge<span class=\"__14 _1177\"> </span>65 440<span class=\"__14 _9a_6\"> </span>2 933<span class=\"__14 _a2_6\"> </span>329<span class=\"__14 _16a\"> </span>68<span class=\"__14 _1226\"> </span>67<span class=\"__14 _a3_6\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>3<span class=\"__14 _9c_7\"> </span></span>68 4<span class=\"__14 _1072\"/>24<span class=\"__14 _1ce\"> </span>Sverige<span class=\"__14 _16b\"> </span>96 085<span class=\"__14 _a4_6\"> </span>2 086<span class=\"__14 _1093\"> </span>312<span class=\"__14 _1226\"> </span><span class=\"ls24_6 ws4a_3\">42<span class=\"__14 _b8_6\"> </span></span>71<span class=\"__14 _1093\"> </span><span class=\"ls14_11 ws3a_5\">147<span class=\"__14 _da_6\"> </span></span>98 223<span class=\"__14 _1ce\"> </span>USA<span class=\"__14 _fa_6\"> </span><span class=\"ls0_14 ws0_14\">1 197<span class=\"__14 _1226\"> </span>66<span class=\"__14 _1128\"> </span>2<span class=\"__14 _7a_6\"> </span>1<span class=\"__14 _1128\"> </span>0<span class=\"__14 _7a_6\"> </span>1<span class=\"__14 _7e_6\"> </span>1 263<span class=\"__14 _1ce\"> </span></span>\u00d6vrigt<span class=\"__14 _16c\"> </span>12 820<span class=\"__14 _6c_6\"> </span>368<span class=\"__14 _2a_8\"> </span>113<span class=\"__14 _1087\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1128\"> </span></span>6<span class=\"__14 _16d\"> </span>58<span class=\"__14 _aa_6\"> </span>13 22<span class=\"__14 _1072\"/>3<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1116\"> </span>261 7<span class=\"__14 _1058\"/>40<span class=\"__14 _b7_7\"> </span>12 778<span class=\"__14 _9a_6\"> </span><span class=\"ls16_11 ws3c_5\">2<span class=\"__14 _1072\"/> 24<span class=\"__14 _1072\"/>2<span class=\"__14 _a3_6\"> </span></span>216<span class=\"__14 _1153\"> </span>408<span class=\"__14 _9a_6\"> </span>1 020<span class=\"__14 _1136\"> </span>275 116<span class=\"__14 _1ce\"> </span>Brutto<span class=\"__14 _b3_6\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>31 dec 2021, mn euro<span class=\"__14 _1103\"> </span>Ka<span class=\"__14 _b_13\"/>tegori 1<span class=\"__14 _8c_6\"> </span>Ka<span class=\"__14 _b_13\"/>tegori 2<span class=\"__14 _8c_6\"> </span>Ka<span class=\"__14 _b_13\"/>tegori 3<span class=\"__14 _8c_6\"> </span>Kategori 1<span class=\"__14 _1154\"> </span>Kategori 2<span class=\"__14 _1154\"> </span>Kategori 3<span class=\"__14 _14f_2\"> </span>Netto<span class=\"__14 _1ce\"> </span>Danmark<span class=\"__14 _1095\"> </span>20 486<span class=\"__14 _14f_2\"> </span>1 478<span class=\"__14 _1105\"> </span>595<span class=\"__14 _16d\"> </span>44<span class=\"__14 _1092\"> </span><span class=\"ls14_11 ws3a_5\">151<span class=\"__14 _a3_6\"> </span></span>381<span class=\"__14 _b7_7\"> </span>21 983<span class=\"__14 _1ce\"> </span>Finland<span class=\"__14 _16e\"> </span>60 652<span class=\"__14 _1111\"> </span>5 878<span class=\"__14 _14f_2\"> </span>1 054<span class=\"__14 _16d\"> </span>30<span class=\"__14 _12c_4\"> </span>118<span class=\"__14 _1105\"> </span>4<span class=\"__14 _1072\"/>37<span class=\"__14 _8d_6\"> </span>66 999<span class=\"__14 _1ce\"> </span>Norge<span class=\"__14 _16c\"> </span>66 21<span class=\"__14 _1058\"/>4<span class=\"__14 _9a_6\"> </span>2 704<span class=\"__14 _6c_6\"> </span>84<span class=\"__14 _1072\"/>2<span class=\"__14 _1226\"> </span>82<span class=\"__14 _16f\"> </span>67<span class=\"__14 _1105\"> </span>302<span class=\"__14 _8d_6\"> </span>69 309<span class=\"__14 _1ce\"> </span>Sverige<span class=\"__14 _16e\"> </span>94 266<span class=\"__14 _1111\"> </span>2 260<span class=\"__14 _a3_6\"> </span>316<span class=\"__14 _1226\"> </span>28<span class=\"__14 _16f\"> </span>53<span class=\"__14 _1093\"> </span>123<span class=\"__14 _9c_7\"> </span>96 638<span class=\"__14 _1ce\"> </span>USA<span class=\"__14 _6e_6\"> </span><span class=\"ls0_14 ws0_14\">1 892<span class=\"__14 _1128\"> </span>2<span class=\"__14 _1128\"> </span>3<span class=\"__14 _7a_6\"> </span>1<span class=\"__14 _1227\"> </span>1<span class=\"__14 _1227\"> </span>1<span class=\"__14 _1111\"> </span>1 894<span class=\"__14 _1ce\"> </span></span>\u00d6vrigt<span class=\"__14 _1228\"> </span>12 322<span class=\"__14 _12c_4\"> </span>411<span class=\"__14 _a2_6\"> </span>702<span class=\"__14 _1229\"> </span>9<span class=\"__14 _1229\"> </span>9<span class=\"__14 _a7_7\"> </span>366<span class=\"__14 _1156\"> </span>13 051<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1201\"> </span>255 832<span class=\"__14 _aa_6\"> </span>12 733<span class=\"__14 _7e_6\"> </span>3 512<span class=\"__14 _1105\"> </span>194<span class=\"__14 _a7_7\"> </span>399<span class=\"__14 _14f_2\"> </span>1 610<span class=\"__14 _4c_6\"> </span>269 874<span class=\"__14 _1ce\"> </span>1)  Baserat p\u00e5 landet d\u00e4r kunden har sin hemvis<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>.<span class=\"__14 _1ce\"> </span>2.<span class=\"__14 _b_13\"/>13 Geogra\ufb01sk f<span class=\"__14 _b_13\"/>\u00f6rdelning<span class=\"__14 _1ce\"> </span>Portf\u00f6ljen har en god geogr<span class=\"__14 _b_13\"/>a\ufb01sk f\u00f6rdelning, och inget land<span class=\"__14 _1ce\"> </span>svarar f<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">\u00f6r mer \u00e4n 36 procent a</span><span class=\"__14 _b_13\"/>v utl\u00e5ningen, utifr\u00e5n var den<span class=\"__14 _1ce\"> </span>kundansvariga enhet<span class=\"__14 _1058\"/>en \u00e4r bel\u00e4gen. \u00d6vriga EU-l\u00e4nder utg\u00f6r<span class=\"__14 _1ce\"> </span>den st\u00f6rsta delen a<span class=\"__14 _b_13\"/>v utl\u00e5ningen utanf<span class=\"__14 _1058\"/>\u00f6r Norden. Kunder i<span class=\"__14 _1ce\"> </span>Norden st\u00e5r f<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">\u00f6r 95 procent (94 proc</span><span class=\"__14 _b_13\"/>ent) av Nordeas utl\u00e5ning<span class=\"__14 _1ce\"> </span>till allm\u00e4nheten, utifr\u00e5n en f<span class=\"__14 _b_13\"/>\u00f6rdelning efter l\u00e5ntagarnas<span class=\"__14 _1ce\"> </span> hemvist. 2.<span class=\"__14 _b_13\"/>14 Kundklassi\ufb01c<span class=\"__14 _1058\"/>ering<span class=\"__14 _1ce\"> </span>Ett s\u00e4tt att bed\u00f6ma kr<span class=\"__14 _1058\"/>editkvaliteten \u00e4r a<span class=\"__14 _b_13\"/>tt analysera f\u00f6r<span class=\"__14 _b_13\"/>del-<span class=\"__14 _1ce\"> </span>ningen mellan ratingklasserna f<span class=\"__14 _b_13\"/>\u00f6r f\u00f6retagsk<span class=\"__14 _b_13\"/>under och institut<span class=\"__14 _1ce\"> </span>med rating, och mellan riskklasserna f<span class=\"__14 _b_13\"/>\u00f6r privatkunder och<span class=\"__14 _1ce\"> </span>sm\u00e5 f\u00f6r<span class=\"__14 _1058\"/>etagskunder med scoring, dvs. hush\u00e5llsportf<span class=\"__14 _b_13\"/>\u00f6ljen. Den<span class=\"__14 _1ce\"> </span>genomsnittliga kreditkvalitet<span class=\"__14 _b_13\"/>en var stabil under 2022 i b\u00e5de<span class=\"__14 _1ce\"> </span>f\u00f6r<span class=\"__14 _1058\"/>etagsportf\u00f6ljen och priva<span class=\"__14 _b_13\"/>tpor<span class=\"__14 _1072\"/>tf\u00f6ljen. I fr<span class=\"__14 _b_13\"/>\u00e5ga om exponering<span class=\"__14 _1ce\"> </span>omf<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">attades 17 procen</span><span class=\"__14 _b_13\"/>t (34 procent) a<span class=\"__14 _1058\"/>v f\u00f6r<span class=\"__14 _1058\"/>etagsportf\u00f6ljen a<span class=\"__14 _b_13\"/>v<span class=\"__14 _1ce\"> </span>h\u00f6gre ra<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ting och 12 procen</span><span class=\"__14 _b_13\"/>t (19 procent) a<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">v l\u00e4gre. 92 procen</span><span class=\"__14 _b_13\"/>t<span class=\"__14 _1ce\"> </span>(89 procen<span class=\"__14 _b_13\"/>t) av utl\u00e5ningen till f\u00f6ret<span class=\"__14 _1058\"/>ag l\u00e5g i ratingklass 4\u2013<span class=\"__14 _1ce\"> </span>eller h\u00f6gre, med en genomsnittlig ra<span class=\"__14 _b_13\"/>ting p\u00e5 5\u2013.<span class=\"__14 _1ce\"> </span>Institut och priva<span class=\"__14 _b_13\"/>tkunder \u00e5terfanns huvudsakligen i de s\u00e4k<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">rare riskklasserna. 94 pr</span><span class=\"__14 _b_13\"/>ocent (94 procen<span class=\"__14 _1058\"/>t) av priv<span class=\"__14 _b_13\"/>atkundsex<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>poneringen \u00e5terfanns i riskklass C<span class=\"__14 _1c_10\"/>\u2013 eller h\u00f6gre, d\u00e4r sannolik-<span class=\"__14 _1ce\"> </span>heten f\u00f6r f<span class=\"__14 _b_13\"/>allissemang \u00e4r 1 procent eller l\u00e4gr<span class=\"__14 _b_13\"/>e. De samman-<span class=\"__14 _1ce\"> </span>tagna f\u00f6r<span class=\"__14 _b_13\"/>\u00e4ndringarna i kreditkvaliteten medf<span class=\"__14 _b_13\"/>\u00f6rde en \u00f6kning<span class=\"__14 _1ce\"> </span>av risk<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">exponeringsbeloppet (REA) med cirka 0,24 proc</span><span class=\"__14 _b_13\"/>ent<span class=\"__14 _1ce\"> </span>under 2022.<span class=\"__14 _1ce\"> </span>Ratinginf<span class=\"__14 _b_13\"/>ormation f\u00f6r l\u00e5n v<span class=\"__14 _1058\"/>\u00e4rderade till uppl<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">upet anskaffningsv</span><span class=\"__14 _b_13\"/>\u00e4rde <span class=\"__14 _7d_7\"> </span> <span class=\"__14 _b7_7\"> </span> <span class=\"__14 _b7_7\"> </span> Mn euro  <span class=\"__14 _1ce\">Rating klass1<span class=\"__14 _1ce\"> </span></span>Genomsnittligt <span class=\"__14 _1069\"/> <span class=\"__14 _1ce\">PD2 (%)<span class=\"__14 _1ce\"> </span></span>Redovisat v<span class=\"__14 _b_13\"/>\u00e4rde f\u00f6re reserver<span class=\"__14 _b_13\"/>, 31 dec 2022<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _5a_6\"> </span>Kategori 2<span class=\"__14 _5a_6\"> </span>Kategori 3<span class=\"__14 _1130\"> </span>Summa<span class=\"__14 _1124\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>7<span class=\"__14 _1230\"> </span>0,00<span class=\"__14 _da_6\"> </span>4 994<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b7_7\"> </span>4 997<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1ce\"> </span>6<span class=\"__14 _1230\"> </span>0,02<span class=\"__14 _1129\"> </span>18 465<span class=\"__14 _a3_6\"> </span>36<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1147\"> </span>18 501<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1ce\"> </span>5<span class=\"__14 _1230\"> </span>0,09<span class=\"__14 _1136\"> </span>40 175<span class=\"__14 _be_7\"> </span>165<span class=\"__14 _1086\"> </span>2<span class=\"__14 _fc_7\"> </span>40 343<span class=\"__14 _1093\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1ce\"> </span></span>4<span class=\"__14 _1231\"> </span>0,31<span class=\"__14 _1148\"> </span>48 711<span class=\"__14 _4b_6\"> </span>931<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1130\"> </span>49 6<span class=\"__14 _1072\"/>42<span class=\"__14 _1093\"> </span>70<span class=\"__14 _1ce\"> </span>3<span class=\"__14 _1232\"> </span>3,20<span class=\"__14 _1155\"> </span>7 194<span class=\"__14 _1156\"> </span>1 780<span class=\"__14 _2a_8\"> </span>15<span class=\"__14 _1106\"> </span>8 989<span class=\"__14 _a3_6\"> </span>90<span class=\"__14 _1ce\"> </span>2<span class=\"__14 _1233\"> </span>19,45<span class=\"__14 _8e_6\"> </span><span class=\"ls14_11 ws3a_5\">177<span class=\"__14 _1109\"> </span></span>1 165<span class=\"__14 _2a_8\"> </span>15<span class=\"__14 _1152\"> </span>1 357<span class=\"__14 _a3_6\"> </span>58<span class=\"__14 _1ce\"> </span>1<span class=\"__14 _1234\"> </span>62,60<span class=\"__14 _1152\"> </span>1 102<span class=\"__14 _9b_6\"> </span>1 535<span class=\"__14 _1093\"> </span>35<span class=\"__14 _1156\"> </span>2 67<span class=\"__14 _1072\"/>2<span class=\"__14 _a3_6\"> </span>93<span class=\"__14 _1ce\"> </span>Standardmetoden/Utan r<span class=\"__14 _1058\"/>ating<span class=\"__14 _8a_6\"> </span>0,06<span class=\"__14 _8d_6\"> </span>13 170<span class=\"__14 _a4_6\"> </span>1 119<span class=\"__14 _c3_6\"> </span>254<span class=\"__14 _1147\"> </span>1<span class=\"__14 _b_13\"/>4 54<span class=\"__14 _1072\"/>2<span class=\"__14 _be_7\"> </span>166<span class=\"__14 _1ce\"> </span>0 (fallerade<span class=\"__14 _b_13\"/>)<span class=\"__14 _1235\"> </span>100,00<span class=\"__14 _a3_6\"> </span>45<span class=\"__14 _12c_4\"> </span>32<span class=\"__14 _1152\"> </span>1 210<span class=\"__14 _1152\"> </span>1 287<span class=\"__14 _b5_7\"> </span><span class=\"ls1e_7 ws44_4\">7<span class=\"__14 _1072\"/>25<span class=\"__14 _1ce\"> </span></span>Summa<span class=\"__14 _1236\"> </span>134 033<span class=\"__14 _b0_6\"> </span>6 766<span class=\"__14 _1152\"> </span>1 531<span class=\"__14 _1120\"> </span>142 330<span class=\"__14 _1155\"> </span>1 228<span class=\"__14 _1ce\"> </span>Mn euro  <span class=\"__14 _1ce\">Rating klass1<span class=\"__14 _1ce\"> </span></span>Genomsnittligt <span class=\"__14 _1069\"/> <span class=\"__14 _1ce\">PD2 (%)<span class=\"__14 _1ce\"> </span></span>Redovisat v<span class=\"__14 _b_13\"/>\u00e4rde f\u00f6re reserver<span class=\"__14 _b_13\"/>, 31 dec 2021<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _5a_6\"> </span>Kategori 2<span class=\"__14 _5a_6\"> </span>Kategori 3<span class=\"__14 _1130\"> </span>Summa<span class=\"__14 _1124\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>7<span class=\"__14 _1230\"> </span>0,00<span class=\"__14 _b7_7\"> </span>4 228<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b7_7\"> </span>4 230<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1ce\"> </span>6<span class=\"__14 _1232\"> </span>0,01<span class=\"__14 _1147\"> </span>17 558<span class=\"__14 _12c_4\"> </span>10<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1136\"> </span>17 568<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1ce\"> </span>5<span class=\"__14 _1230\"> </span>0,05<span class=\"__14 _1136\"> </span>33 730<span class=\"__14 _4b_6\"> </span>218<span class=\"__14 _1087\"> </span>0<span class=\"__14 _fc_7\"> </span>33 948<span class=\"__14 _2a_8\"> </span>12<span class=\"__14 _1ce\"> </span>4<span class=\"__14 _17a\"> </span>0,<span class=\"__14 _b_13\"/>12<span class=\"__14 _fc_7\"> </span>46 967<span class=\"__14 _1101\"> </span>689<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _1104\"> </span>47 658<span class=\"__14 _12c_4\"> </span><span class=\"ls14_11 ws3a_5\">57<span class=\"__14 _1ce\"> </span></span>3<span class=\"__14 _17b\"> </span><span class=\"ls17_11 ws3d_5\">3<span class=\"__14 _1072\"/>,1<span class=\"__14 _1066\"/>7<span class=\"__14 _b0_6\"> </span></span>8 098<span class=\"__14 _aa_6\"> </span>1 959<span class=\"__14 _1086\"> </span>3<span class=\"__14 _fc_7\"> </span>10 060<span class=\"__14 _1079\"> </span>107<span class=\"__14 _1ce\"> </span>2<span class=\"__14 _17c\"> </span>13,70<span class=\"__14 _1079\"> </span>110<span class=\"__14 _aa_6\"> </span>1 466<span class=\"__14 _1093\"> </span><span class=\"ls18_10 ws3e_5\">97<span class=\"__14 _9b_6\"> </span></span>1 673<span class=\"__14 _12c_4\"> </span>75<span class=\"__14 _1ce\"> </span>1<span class=\"__14 _17d\"> </span>33,91<span class=\"__14 _a2_6\"> </span>88<span class=\"__14 _1156\"> </span>1 4<span class=\"__14 _1072\"/>35<span class=\"__14 _12c_4\"> </span>16<span class=\"__14 _1155\"> </span>1 539<span class=\"__14 _1093\"> </span>85<span class=\"__14 _1ce\"> </span>Standardmetoden/Utan r<span class=\"__14 _1058\"/>ating<span class=\"__14 _1177\"> </span>0,02<span class=\"__14 _1104\"> </span>16 044<span class=\"__14 _c3_6\"> </span>794<span class=\"__14 _1101\"> </span>208<span class=\"__14 _1136\"> </span>17 046<span class=\"__14 _1079\"> </span>153<span class=\"__14 _1ce\"> </span>0 (fallerade<span class=\"__14 _b_13\"/>)<span class=\"__14 _1235\"> </span>100,00<span class=\"__14 _1093\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1093\"> </span></span>87<span class=\"__14 _b7_7\"> </span>2 340<span class=\"__14 _b7_7\"> </span>2 450<span class=\"__14 _1152\"> </span>1 222<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _17e\"> </span>126 846<span class=\"__14 _1106\"> </span>6 660<span class=\"__14 _b0_6\"> </span>2 666<span class=\"__14 _a5_7\"> </span>136 172<span class=\"__14 _1102\"> </span>1 712<span class=\"__14 _1ce\"> </span>Scoringinf<span class=\"__14 _b_13\"/>ormation f\u00f6r l\u00e5n v\u00e4r<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">derade till upplupet anskaffningsv\u00e4r</span><span class=\"__14 _b_13\"/>de <span class=\"__14 _17f\"> </span> <span class=\"__14 _b7_7\"> </span> <span class=\"__14 _b7_7\"> </span> Mn euro  <span class=\"__14 _1ce\">Scoring klass1<span class=\"__14 _1ce\"> </span></span>Genomsnittligt <span class=\"__14 _1069\"/> <span class=\"__14 _1ce\">PD2 (%)<span class=\"__14 _1ce\"> </span></span>Redovisat v<span class=\"__14 _b_13\"/>\u00e4rde f\u00f6re reserver<span class=\"__14 _b_13\"/>, 31 dec 2022<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _5a_6\"> </span>Kategori 2<span class=\"__14 _5a_6\"> </span>Kategori 3<span class=\"__14 _1130\"> </span>Summa<span class=\"__14 _1124\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>A<span class=\"__14 _1237\"> </span>0,04<span class=\"__14 _1104\"> </span>96 018<span class=\"__14 _b5_7\"> </span>410<span class=\"__14 _12c_4\"> </span>10<span class=\"__14 _1130\"> </span>96 4<span class=\"__14 _1072\"/>38<span class=\"__14 _a3_6\"> </span>20<span class=\"__14 _1ce\"> </span>B<span class=\"__14 _1238\"> </span>0,30<span class=\"__14 _1104\"> </span>19 894<span class=\"__14 _1101\"> </span>803<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1130\"> </span>20 699<span class=\"__14 _12c_4\"> </span>19<span class=\"__14 _1ce\"> </span>C<span class=\"__14 _1231\"> </span>2,<span class=\"__14 _b_13\"/>10<span class=\"__14 _aa_6\"> </span>7 829<span class=\"__14 _1156\"> </span>1 454<span class=\"__14 _1086\"> </span>7<span class=\"__14 _b0_6\"> </span>9 290<span class=\"__14 _12c_4\"> </span>32<span class=\"__14 _1ce\"> </span>D<span class=\"__14 _1231\"> </span><span class=\"ls17_11 ws3d_5\">6<span class=\"__14 _1072\"/>,1<span class=\"__14 _1072\"/>7<span class=\"__14 _1156\"> </span></span>4 655<span class=\"__14 _aa_6\"> </span>1 494<span class=\"__14 _1086\"> </span>7<span class=\"__14 _1156\"> </span>6 156<span class=\"__14 _a2_6\"> </span>40<span class=\"__14 _1ce\"> </span>E<span class=\"__14 _1234\"> </span>15,92<span class=\"__14 _1152\"> </span>1 139<span class=\"__14 _1079\"> </span>871<span class=\"__14 _12c_4\"> </span>10<span class=\"__14 _b7_7\"> </span>2 020<span class=\"__14 _1092\"> </span>41<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _1239\"> </span>30,58<span class=\"__14 _b5_7\"> </span>601<span class=\"__14 _c3_6\"> </span>832<span class=\"__14 _1092\"> </span>37<span class=\"__14 _1156\"> </span>1 470<span class=\"__14 _a2_6\"> </span>60<span class=\"__14 _1ce\"> </span>Standardmetoden/Utan r<span class=\"__14 _1058\"/>ating<span class=\"__14 _1177\"> </span><span class=\"ls24_6 ws4a_3\">N.A.<span class=\"__14 _c3_6\"> </span></span>220<span class=\"__14 _12c_4\"> </span>10<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1079\"> </span>231<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1ce\"> </span>0 (fallerade<span class=\"__14 _b_13\"/>)<span class=\"__14 _1235\"> </span>100,00<span class=\"__14 _b5_7\"> </span>196<span class=\"__14 _be_7\"> </span><span class=\"ls14_11 ws3a_5\">146<span class=\"__14 _1101\"> </span></span>650<span class=\"__14 _c3_6\"> </span>992<span class=\"__14 _be_7\"> </span>233<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1240\"> </span>130 552<span class=\"__14 _da_6\"> </span>6 020<span class=\"__14 _b5_7\"> </span><span class=\"ls16_11 ws3c_5\">7<span class=\"__14 _1072\"/>24<span class=\"__14 _a6_7\"> </span></span>137 296<span class=\"__14 _1151\"> </span>445<span class=\"__14 _1ce\"> </span>Mn euro  <span class=\"__14 _1ce\">Scoring klass1<span class=\"__14 _1ce\"> </span></span>Genomsnittligt <span class=\"__14 _1069\"/> <span class=\"__14 _1ce\">PD2 (%)<span class=\"__14 _1ce\"> </span></span>Redovisat v<span class=\"__14 _b_13\"/>\u00e4rde f\u00f6re reserver<span class=\"__14 _b_13\"/>, 31 dec 2021<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _5a_6\"> </span>Kategori 2<span class=\"__14 _5a_6\"> </span>Kategori 3<span class=\"__14 _1130\"> </span>Summa<span class=\"__14 _1124\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>A<span class=\"__14 _1238\"> </span>0,03<span class=\"__14 _1129\"> </span>86 165<span class=\"__14 _b5_7\"> </span>199<span class=\"__14 _b8_6\"> </span>6<span class=\"__14 _fc_7\"> </span>86 370<span class=\"__14 _b8_6\"> </span>8<span class=\"__14 _1ce\"> </span>B<span class=\"__14 _1238\"> </span>0,28<span class=\"__14 _1136\"> </span>26 758<span class=\"__14 _1101\"> </span>544<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _1136\"> </span>27 305<span class=\"__14 _2a_8\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1ce\"> </span></span>C<span class=\"__14 _17a\"> </span>1,<span class=\"__14 _b_13\"/>75<span class=\"__14 _9c_7\"> </span>11 159<span class=\"__14 _1155\"> </span>1 624<span class=\"__14 _b8_6\"> </span>5<span class=\"__14 _1147\"> </span>12 788<span class=\"__14 _1092\"> </span>31<span class=\"__14 _1ce\"> </span>D<span class=\"__14 _1238\"> </span>5,50<span class=\"__14 _b0_6\"> </span>4 405<span class=\"__14 _a4_6\"> </span>1 717<span class=\"__14 _1086\"> </span>7<span class=\"__14 _1156\"> </span>6 129<span class=\"__14 _a2_6\"> </span>40<span class=\"__14 _1ce\"> </span>E<span class=\"__14 _17d\"> </span>13,71<span class=\"__14 _9b_6\"> </span>1 461<span class=\"__14 _b5_7\"> </span>932<span class=\"__14 _1087\"> </span>4<span class=\"__14 _1156\"> </span>2 397<span class=\"__14 _1092\"> </span>41<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _1241\"> </span>23,30<span class=\"__14 _b5_7\"> </span>618<span class=\"__14 _be_7\"> </span>941<span class=\"__14 _1093\"> </span>28<span class=\"__14 _1155\"> </span>1 587<span class=\"__14 _a3_6\"> </span>59<span class=\"__14 _1ce\"> </span>0 (fallerade<span class=\"__14 _b_13\"/>)<span class=\"__14 _1235\"> </span>100,00<span class=\"__14 _1101\"> </span>204<span class=\"__14 _1153\"> </span>131<span class=\"__14 _c3_6\"> </span>793<span class=\"__14 _1109\"> </span>1 128<span class=\"__14 _1101\"> </span>298<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1240\"> </span>130 770<span class=\"__14 _1106\"> </span>6 088<span class=\"__14 _e2_6\"> </span>846<span class=\"__14 _a6_7\"> </span>137 704<span class=\"__14 _e2_6\"> </span>494<span class=\"__14 _1ce\"> </span>1)  Kategoriindelningen och ber<span class=\"__14 _1058\"/>\u00e4knade reserver f\u00f6r v<span class=\"__14 _1058\"/>arje exponering baseras p\u00e5 situa<span class=\"__14 _b_13\"/>tionen i slutet av oktober 2022 (ok<span class=\"__14 _b_13\"/>tober 2021), medan exponeringsbelopp och ratingklasser baseras p\u00e5 situationen i slutet a<span class=\"__14 _b_13\"/>v december 2022 (december 2021). Vissa exponeringar som \u00e4r fallerade enligt r<span class=\"__14 _b_13\"/>atingklasserna i slutet av december var in<span class=\"__14 _b_13\"/>te fallerade i oktober<span class=\"__14 _b_13\"/>, vilket reflekte-<span class=\"__14 _1ce\"> </span>ras i kategoriindelningen.<span class=\"__14 _1ce\"> </span>2)  Genomsnittligt PD exklusive Nordea Financ<span class=\"__14 _1058\"/>e Equipment <span class=\"__14 _b_13\"/>AS.<span class=\"__14 _1ce\"> </span>2.<span class=\"__14 _b_13\"/>15 Os\u00e4kra l\u00e5nef<span class=\"__14 _b_13\"/>ordringar (kategori 3)<span class=\"__14 _1ce\"> </span>Koncernens os\u00e4kr<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">a l\u00e5nefordringar till upplupet anskaff</span><span class=\"__14 _b_13\"/>nings-<span class=\"__14 _1ce\"> </span>v\u00e4rde, brutto<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">, minskade till 2 2</span><span class=\"__14 _1072\"/><span class=\"__14 _1ce\">55 mn euro (3 512 mn euro</span><span class=\"__14 _b_13\"/>), vil-<span class=\"__14 _1ce\"> </span>ket motsv<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">arar 81 punk</span><span class=\"__14 _1058\"/>ter a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">v den samlade utl\u00e5ningen. 49 pro-<span class=\"__14 _1ce\"> </span></span>cent a<span class=\"__14 _b_13\"/>v de os\u00e4kra for<span class=\"__14 _1058\"/>dringarna, brutto, utgjor<span class=\"__14 _b_13\"/>des av l\u00e5n d\u00e4r<span class=\"__14 _1ce\"> </span>kunderna f<span class=\"__14 _b_13\"/>or<span class=\"__14 _1072\"/>tfarande betalade (r<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">eglerade) och 51 procen</span><span class=\"__14 _b_13\"/>t var<span class=\"__14 _1ce\"> </span>l\u00e5n d\u00e4r kunderna ej betalade (or<span class=\"__14 _b_13\"/>eglerade). Os\u00e4kra f<span class=\"__14 _1058\"/>ordringar<span class=\"__14 _1ce\"> </span>netto, efter r<span class=\"__14 _b_13\"/>eser<span class=\"__14 _1072\"/>veringar f\u00f6r f<span class=\"__14 _b_13\"/>ordringar i kategori 3, uppgick till<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">1 210 mn euro, vilket mo</span><span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">tsvarar 43 punkter a</span><span class=\"__14 _b_13\"/>v den samlade<span class=\"__14 _1ce\"> </span>utl\u00e5ningen. Reserverna f<span class=\"__14 _b_13\"/>\u00f6r fordringar i kategori 3 uppgick till<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">1 045 mn euro. R</span><span class=\"__14 _1058\"/>eserverna f\u00f6r f<span class=\"__14 _b_13\"/>ordringar i kategori 1 och 2 upp-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">gick till 628 mn euro. Den samlade re</span><span class=\"__14 _1058\"/>serveringskvoten v<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">46 procen</span><span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>, och f\u00f6r for<span class=\"__14 _b_13\"/>dringar i kategori 1 och 2 var reserve<span class=\"__14 _1ce\"> </span>-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">ringsgraden 23 punkt</span><span class=\"__14 _b_13\"/>er. Minskningen a<span class=\"__14 _b_13\"/>v os\u00e4kra fordringar<span class=\"__14 _1ce\"> </span>avs\u00e5g huvudsakligen Na<span class=\"__14 _b_13\"/>turresurser och Sj\u00f6fart, efter bety<span class=\"__14 _1ce\"> </span>-<span class=\"__14 _1ce\"> </span>dande utfasning under \u00e5ret. De portf\u00f6ljer som sv<span class=\"__14 _b_13\"/>arade f\u00f6r<span class=\"__14 _1ce\"> </span>st\u00f6rst andel a<span class=\"__14 _b_13\"/>v de os\u00e4kra fordringarna v<span class=\"__14 _b_13\"/>ar Privatkunder<span class=\"__14 _b_13\"/>, Indu-<span class=\"__14 _1ce\"> </span>stri samt K<span class=\"__14 _b_13\"/>onsument s\u00e4llank\u00f6p och tj\u00e4nster<span class=\"__14 _1c_10\"/>.<span class=\"__14 _1ce\"> </span>Os\u00e4kra f<span class=\"__14 _b_13\"/>ordringar och nyckelt<span class=\"__14 _1058\"/>al<span class=\"__14 _1ce\"> </span>2022<span class=\"__14 _3f_8\"> </span>2021<span class=\"__14 _1ce\"> </span>Os\u00e4kra for<span class=\"__14 _b_13\"/>dringar, brutto<span class=\"__14 _1058\"/>, upplupet<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">anskaffningsv\u00e4r</span><span class=\"__14 _b_13\"/>de, mn euro<span class=\"__14 _1216\"> </span>2 255<span class=\"__14 _1123\"> </span>3 512<span class=\"__14 _1ce\"> </span>- vara<span class=\"__14 _b_13\"/>v reglerade<span class=\"__14 _d5_6\"> </span>1 111<span class=\"__14 _1123\"> </span>1 641<span class=\"__14 _1ce\"> </span>- vara<span class=\"__14 _b_13\"/>v oreglerade<span class=\"__14 _f1_6\"> </span>1 144<span class=\"__14 _1123\"> </span>1 871<span class=\"__14 _1ce\"> </span>Andel os\u00e4kra l\u00e5nef<span class=\"__14 _1058\"/>ordringar (kategori 3), brutt<span class=\"__14 _1058\"/>o,<span class=\"__14 _1ce\"> </span>punkter<span class=\"__14 _1251\"> </span>81<span class=\"__14 _1098\"> </span>128<span class=\"__14 _1ce\"> </span>Andel os\u00e4kra l\u00e5nef<span class=\"__14 _1058\"/>ordringar (kategori 3), nett<span class=\"__14 _1058\"/>o,<span class=\"__14 _1ce\"> </span>punkter<span class=\"__14 _1235\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _5f_6\"> </span></span>70<span class=\"__14 _1ce\"> </span>Gruppvisa reserveringar i rela<span class=\"__14 _b_13\"/>tion till utl\u00e5ning i kategori 1 och 2, punk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1252\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _5f_6\"> </span></span>22<span class=\"__14 _1ce\"> </span>T<span class=\"__14 _1c_10\"/>otal reserveringsgrad (ka<span class=\"__14 _b_13\"/>tegori 1, 2 och 3),<span class=\"__14 _1ce\"> </span>punkter<span class=\"__14 _1112\"> </span>60<span class=\"__14 _1120\"> </span>81<span class=\"__14 _1ce\"> </span>Reserver i rela<span class=\"__14 _b_13\"/>tion till os\u00e4kra l\u00e5nefordringar<span class=\"__14 _1ce\"> </span>(kategori 3), %<span class=\"__14 _e8_7\"> </span>46<span class=\"__14 _1121\"> </span>46<span class=\"__14 _1ce\"> </span>2.<span class=\"__14 _b_13\"/>16 F\u00f6rf<span class=\"__14 _b_13\"/>allna l\u00e5nefordringar<span class=\"__14 _1ce\"> </span>F\u00f6rf<span class=\"__14 _b_13\"/>allna l\u00e5nefordringar (6 dagar eller mer) bland f\u00f6r<span class=\"__14 _b_13\"/>e-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">tagskunder uppgick till 814 mn eur</span><span class=\"__14 _b_13\"/>o, ner fr\u00e5n 864 mn euro f\u00f6r<span class=\"__14 _1ce\"> </span>ett \u00e5r sedan, och f\u00f6rf<span class=\"__14 _b_13\"/>allna l\u00e5nefordringar bland priva<span class=\"__14 _1058\"/>tkunder<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">uppgick till 1 569 mn euro vid \u00e5rets slut, upp fr\u00e5n 1 440 mn<span class=\"__14 _1ce\"> </span></span>euro f<span class=\"__14 _1058\"/>\u00f6r ett \u00e5r sedan. <span class=\"__14 _b_13\"/>T<span class=\"__14 _b_13\"/>abellen visar f\u00f6rf<span class=\"__14 _1058\"/>allna l\u00e5nefor<span class=\"__14 _b_13\"/>dringar<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">(6 dagar eller mer), uppdelade p\u00e5 f\u00f6r</span><span class=\"__14 _1058\"/>etags- och privatk<span class=\"__14 _b_13\"/>under.<span class=\"__14 _1ce\"> </span>En f\u00f6rf<span class=\"__14 _1058\"/>allen l\u00e5nefor<span class=\"__14 _b_13\"/>dran uppst\u00e5r n\u00e4r borgen\u00e4ren in<span class=\"__14 _b_13\"/>te erh\u00e5ller<span class=\"__14 _1ce\"> </span>\u00e5terbetalning p\u00e5 ett l\u00e5n p\u00e5 f<span class=\"__14 _b_13\"/>\u00f6rfallodagen.<span class=\"__14 _1ce\"> </span>31 dec 2022<span class=\"__14 _1153\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1ce\"> </span>F\u00f6retags-<span class=\"__14 _1ce\"> </span>kunder<span class=\"__14 _1ce\"> </span>Privat-<span class=\"__14 _1ce\"> </span>kunder<span class=\"__14 _1ce\"> </span>F\u00f6retags-<span class=\"__14 _1ce\"> </span>kunder<span class=\"__14 _1ce\"> </span>Privat-<span class=\"__14 _1ce\"> </span>kunder<span class=\"__14 _1ce\"> </span>6\u201330 dagar<span class=\"__14 _1253\"> </span>418<span class=\"__14 _1118\"> </span>718<span class=\"__14 _8c_6\"> </span>4<span class=\"__14 _1072\"/>28<span class=\"__14 _1121\"> </span>595<span class=\"__14 _1ce\"> </span>31\u201360 dagar<span class=\"__14 _1217\"> </span>123<span class=\"__14 _8c_6\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1072\"/>9<span class=\"__14 _1130\"> </span></span>87<span class=\"__14 _1118\"> </span>199<span class=\"__14 _1ce\"> </span>61\u201390 dagar<span class=\"__14 _1186\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1130\"> </span><span class=\"ls18_10 ws3e_5\">97<span class=\"__14 _1130\"> </span></span></span>32<span class=\"__14 _fc_7\"> </span>75<span class=\"__14 _1ce\"> </span>&gt;90 dagar<span class=\"__14 _11f_7\"> </span>2<span class=\"__14 _1072\"/>50<span class=\"__14 _1121\"> </span>505<span class=\"__14 _5f_6\"> </span><span class=\"ls14_11 ws3a_5\">317<span class=\"__14 _1120\"> </span>57<span class=\"__14 _1072\"/>1<span class=\"__14 _1ce\"> </span></span>Summa<span class=\"__14 _1166\"> </span><span class=\"ls14_11 ws3a_5\">814<span class=\"__14 _1223\"> </span></span>1 569<span class=\"__14 _1115\"> </span>86<span class=\"__14 _1072\"/>4<span class=\"__14 _3d_8\"> </span>1 440<span class=\"__14 _1ce\"> </span>F\u00f6rfallna l\u00e5n (inkl. os\u00e4kra<span class=\"__14 _1ce\"> </span>l\u00e5n) dividerat med<span class=\"__14 _1ce\"> </span>utl\u00e5ning till allm\u00e4nheten<span class=\"__14 _1ce\"> </span>efter reserver<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1083\"> </span>0,5<span class=\"__14 _a6_7\"> </span>0,9<span class=\"__14 _1113\"> </span>0,5<span class=\"__14 _7b_6\"> </span>0,<span class=\"__14 _1072\"/>8<span class=\"__14 _1ce\"> </span>2.<span class=\"__14 _b_13\"/>17 Re<span class=\"__14 _1058\"/>server<span class=\"__14 _1ce\"> </span>De totala r<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">eserverna f\u00f6r 2022 uppgick till 1 860 mn eur</span><span class=\"__14 _b_13\"/>o, ner<span class=\"__14 _1ce\"> </span>fr\u00e5n 2 404 mn eur<span class=\"__14 _1058\"/>o in 2021. Reserverna f<span class=\"__14 _b_13\"/>\u00f6r exponeringar 202<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">var 1 673 mn euro, ner fr</span><span class=\"__14 _b_13\"/>\u00e5n 2 206 mn euro 2021. Detta<span class=\"__14 _1ce\"> </span>berodde p\u00e5 uppl\u00f6sningar a<span class=\"__14 _b_13\"/>v reserver i kategori 3 a<span class=\"__14 _1058\"/>vseende<span class=\"__14 _1ce\"> </span>branscherna Naturr<span class=\"__14 _b_13\"/>esur<span class=\"__14 _1072\"/>ser och Sj\u00f6f<span class=\"__14 _1058\"/>art<span class=\"__14 _1072\"/>. A<span class=\"__14 _b_13\"/>v de totala r<span class=\"__14 _b_13\"/>eser-<span class=\"__14 _1ce\"> </span>verna a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">vs\u00e5g 220 mn euro kategori 1 (upp fr\u00e5n 19</span><span class=\"__14 _1058\"/>7 mn euro f<span class=\"__14 _1058\"/>\u00f6<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">ett \u00e5r sedan), 408 mn euro kat</span><span class=\"__14 _b_13\"/>egori 2 (upp fr\u00e5n 399 mn euro<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">f\u00f6r ett \u00e5r sedan) och 1 045 mn eur</span><span class=\"__14 _b_13\"/>o kategori 3 (ner fr\u00e5n<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">1 610 mn euro f</span><span class=\"__14 _1058\"/>\u00f6r ett \u00e5r sedan). Reserveringsgr<span class=\"__14 _b_13\"/>aden var of\u00f6r-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">\u00e4ndrad p\u00e5 0,08 procen</span><span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">t f\u00f6r kategori 1, 3,2 proc</span><span class=\"__14 _b_13\"/>ent f\u00f6r kat<span class=\"__14 _1058\"/>egori<span class=\"__14 _1ce\"> </span>2 (upp fr\u00e5n 3,<span class=\"__14 _1c_10\"/><span class=\"__14 _1ce\">1 procent 2021) och 46 pr</span><span class=\"__14 _1058\"/>ocent f<span class=\"__14 _b_13\"/>\u00f6r kategori 3.<span class=\"__14 _1ce\"> </span>Reserveringsgr<span class=\"__14 _1058\"/>aden f\u00f6r ka<span class=\"__14 _b_13\"/>tegori 3 var i stort sett of<span class=\"__14 _1058\"/>\u00f6r\u00e4ndrad<span class=\"__14 _1ce\"> </span>sedan de os\u00e4kra l\u00e5nef<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ordringarna minskat med 1 257 mn eur<span class=\"__14 _1ce\"> </span></span><span class=\"__14 _1ce\">(36 procen</span><span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">t), medan reserverna minskade med 35 procent.<span class=\"__14 _1ce\"> </span></span>Reserveringsgr<span class=\"__14 _1058\"/>aden f\u00f6r f<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">\u00f6retagsl\u00e5n i kategori 3 \u00f6kade f</span><span class=\"__14 _1058\"/>r\u00e5n<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">50 procen</span><span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">t till 55 procent, medan den f\u00f6r priva</span><span class=\"__14 _1058\"/>tkunder mins-<span class=\"__14 _1ce\"> </span>kade fr\u00e5n 36 pr<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ocent till 33 procen</span><span class=\"__14 _1058\"/>t.<span class=\"__14 _1ce\"> </span>2.<span class=\"__14 _b_13\"/>18 Kreditf<span class=\"__14 _b_13\"/>\u00f6rluster<span class=\"__14 _1ce\"> </span>Kreditf<span class=\"__14 _1058\"/>\u00f6rlusterna f<span class=\"__14 _b_13\"/>\u00f6r 2022 var l\u00e5ga och uppgick till 112 mn<span class=\"__14 _1ce\"> </span>euro (118 mn euro<span class=\"__14 _1058\"/>). Det motsvar<span class=\"__14 _b_13\"/>ar en kreditf\u00f6rlustrela<span class=\"__14 _b_13\"/>tion p\u00e5<span class=\"__14 _1ce\"> </span>4 punkter (<span class=\"__14 _b_13\"/>4 punkter) f<span class=\"__14 _b_13\"/>\u00f6r l\u00e5n v\u00e4rderade till upplupet anska<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ff-<span class=\"__14 _1ce\"> </span></span>ningsv\u00e4rde. Inklusiv<span class=\"__14 _b_13\"/>e omv\u00e4rderingsf\u00f6rl<span class=\"__14 _b_13\"/>uster p\u00e5 hypoteksl\u00e5n i<span class=\"__14 _1ce\"> </span>Danmark om 13 mn euro uppgick kreditf<span class=\"__14 _b_13\"/>\u00f6rluster och liknande<span class=\"__14 _1ce\"> </span>nettoresult<span class=\"__14 _1058\"/>at till 125 mn euro, mo<span class=\"__14 _1058\"/>tsvarande 4 punk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">(1 punkt). De individuellt ber</span><span class=\"__14 _b_13\"/>\u00e4knade kreditf\u00f6rlust<span class=\"__14 _b_13\"/>erna uppgic<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">till 169 mn euro och drevs a</span><span class=\"__14 _b_13\"/>v genomsnittliga bortskrivningar<span class=\"__14 _1ce\"> </span>och l\u00e5ga avs\u00e4<span class=\"__14 _b_13\"/>ttningar och \u00e5terf\u00f6ringar<span class=\"__14 _b_13\"/>. De individuella avs\u00e4<span class=\"__14 _1058\"/>tt<span class=\"__14 _1ce\"> </span>ningarna var in<span class=\"__14 _1058\"/>te koncen<span class=\"__14 _b_13\"/>trerade till n\u00e5gon speci\ufb01k bransch.<span class=\"__14 _1ce\"> </span>Ratingf<span class=\"__14 _b_13\"/>\u00f6rdelning, IRK f\u00f6retagskunder<span class=\"__14 _1ce\"> </span>1<span class=\"__14 _1ce\"> </span>1)   <span class=\"__14 _1069\"/>Faller<span class=\"__14 _b_13\"/>ade fordringar ing\u00e5r inte i ratingf<span class=\"__14 _b_13\"/>\u00f6rdelningen.<span class=\"__14 _1ce\"> </span>0<span class=\"__14 _1ce\"> </span>4<span class=\"__14 _1ce\"> </span>8<span class=\"__14 _1ce\"> </span>12<span class=\"__14 _1ce\"> </span>16<span class=\"__14 _1ce\"> </span>%<span class=\"__14 _1ce\"> </span>20222021<span class=\"__14 _1ce\"> </span>F\u00f6r<span class=\"__14 _b_13\"/>delning mellan riskklasser<span class=\"__14 _b_13\"/>, IRK privatkunder<span class=\"__14 _1ce\"> </span>1<span class=\"__14 _1ce\"> </span>1)   <span class=\"__14 _1069\"/>Faller<span class=\"__14 _b_13\"/>ade fordringar ing\u00e5r inte i f\u00f6r<span class=\"__14 _1058\"/>delningen mellan riskklasser<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>0<span class=\"__14 _1ce\"> </span>10<span class=\"__14 _1ce\"> </span>20<span class=\"__14 _1ce\"> </span>30<span class=\"__14 _1ce\"> </span>40<span class=\"__14 _1ce\"> </span>50<span class=\"__14 _1ce\"> </span>60<span class=\"__14 _1ce\"> </span>%<span class=\"__14 _1ce\"> </span>20222021<span class=\"__14 _1ce\"> </span>Redovisa<span class=\"__14 _b_13\"/>t v\u00e4rde f\u00f6r l\u00e5n v\u00e4r<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">derade till upplupet anskaffningsv</span><span class=\"__14 _1058\"/>\u00e4rde, f<span class=\"__14 _1058\"/>\u00f6re reserver<span class=\"__14 _1ce\"> </span>Centralbanker och kr<span class=\"__14 _b_13\"/>editinstitut<span class=\"__14 _15d_1\"> </span>Allm\u00e4nheten<span class=\"__14 _f9_6\"> </span>Summa<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _1073\"> </span>Kategori 2<span class=\"__14 _1f_10\"> </span>Kat<span class=\"__14 _b_13\"/>egori 3<span class=\"__14 _1157\"> </span>Summa<span class=\"__14 _1a0\"> </span>Kategori 1<span class=\"__14 _f_13\"> </span>Kategori 2<span class=\"__14 _1f_10\"> </span>Kat<span class=\"__14 _1058\"/>egori 3<span class=\"__14 _5d_6\"> </span>Summa<span class=\"__14 _1a1\"> </span>Kategori 1<span class=\"__14 _f_13\"> </span>Kategori 2<span class=\"__14 _1f_10\"> </span>Kat<span class=\"__14 _1058\"/>egori 3<span class=\"__14 _5d_6\"> </span>Summa<span class=\"__14 _1ce\"> </span>Ing\u00e5ende balans per 1 jan 2022<span class=\"__14 _a4_6\"> </span>1 785<span class=\"__14 _7b_6\"> </span><span class=\"ls13_11 ws39_5\">14<span class=\"__14 _a1_6\"> </span></span>0<span class=\"__14 _3d_8\"> </span>1 7<span class=\"__14 _1072\"/>99<span class=\"__14 _1a2\"> </span>255 832<span class=\"__14 _6f_6\"> </span>12 7<span class=\"__14 _1072\"/>33<span class=\"__14 _1135\"> </span>3 5<span class=\"__14 _1058\"/>12<span class=\"__14 _5d_6\"> </span>27<span class=\"__14 _1072\"/>2 077<span class=\"__14 _3d_8\"> </span><span class=\"ls13_11 ws39_5\">2<span class=\"__14 _1072\"/>57 617<span class=\"__14 _5d_6\"> </span></span>12 747<span class=\"__14 _1127\"> </span>3 512<span class=\"__14 _5d_6\"> </span>273 876<span class=\"__14 _1ce\"> </span>Nya eller f\u00f6rv\u00e4rvade<span class=\"__14 _1ce\"> </span>l\u00e5nefordringar<span class=\"__14 _1156\"> </span>3 442<span class=\"__14 _1136\"> </span>1<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1135\"> </span>3 443<span class=\"__14 _3d_8\"> </span>87 051<span class=\"__14 _1115\"> </span>536<span class=\"__14 _5f_6\"> </span>81<span class=\"__14 _1223\"> </span>87 668<span class=\"__14 _3f_8\"> </span>90 493<span class=\"__14 _1154\"> </span>537<span class=\"__14 _5f_6\"> </span>81<span class=\"__14 _1096\"> </span>91 111<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar mellan<span class=\"__14 _1ce\"> </span>kategori 1 och 2,<span class=\"__14 _1ce\"> </span>netto<span class=\"__14 _1207\"> </span>5<span class=\"__14 _6a_6\"> </span>-5<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _1154\"> </span>-950<span class=\"__14 _8f_6\"> </span>950<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _a6_7\"> </span>-945<span class=\"__14 _8f_6\"> </span>945<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar mellan<span class=\"__14 _1ce\"> </span>kategori 2 och 3,<span class=\"__14 _1ce\"> </span>netto<span class=\"__14 _1085\"> </span>\u2013<span class=\"__14 _fc_7\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _1106\"> </span>\u2013<span class=\"__14 _1096\"> </span><span class=\"ls13_11 ws39_5\">-147<span class=\"__14 _1149\"> </span>147<span class=\"__14 _1156\"> </span></span>\u2013<span class=\"__14 _1102\"> </span>\u2013<span class=\"__14 _1096\"> </span><span class=\"ls13_11 ws39_5\">-147<span class=\"__14 _1149\"> </span>14<span class=\"__14 _1072\"/>7<span class=\"__14 _1156\"> </span></span>\u2013<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar mellan<span class=\"__14 _1ce\"> </span>kategori 1 och 3,<span class=\"__14 _1ce\"> </span>netto<span class=\"__14 _1a3\"> </span><span class=\"ls13_11 ws39_5\">-18<span class=\"__14 _1130\"> </span></span>\u2013<span class=\"__14 _1120\"> </span>18<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _8c_6\"> </span><span class=\"ls26_6 ws4c_3\">-23<span class=\"__14 _1072\"/>8<span class=\"__14 _1129\"> </span></span>\u2013<span class=\"__14 _1098\"> </span>238<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _a5_7\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _1072\"/>56<span class=\"__14 _1129\"> </span></span>\u2013<span class=\"__14 _1098\"> </span>2<span class=\"__14 _1072\"/>56<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _1ce\"> </span>\u00c5terbetalda eller<span class=\"__14 _1ce\"> </span>borttagna l\u00e5ne-<span class=\"__14 _1ce\"> </span>fordringar<span class=\"__14 _1092\"> </span>-3 562<span class=\"__14 _1113\"> </span><span class=\"ls28_6 ws4f_3\">-4<span class=\"__14 _a1_6\"> </span></span>0<span class=\"__14 _6f_6\"> </span>-3 566<span class=\"__14 _5d_6\"> </span>-58 471<span class=\"__14 _1a4\"> </span>-2 235<span class=\"__14 _3f_8\"> </span>-612<span class=\"__14 _1135\"> </span>-61 318<span class=\"__14 _3d_8\"> </span>-62 033<span class=\"__14 _5d_6\"> </span>-2 239<span class=\"__14 _3f_8\"> </span>-612<span class=\"__14 _5d_6\"> </span>-64 884<span class=\"__14 _1ce\"> </span>Bortskrivna<span class=\"__14 _1ce\"> </span>l\u00e5nefordringar<span class=\"__14 _16a\"> </span>\u2013<span class=\"__14 _1130\"> </span>\u2013<span class=\"__14 _7b_6\"> </span>-5<span class=\"__14 _7c_6\"> </span>-5<span class=\"__14 _da_6\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _3f_8\"> </span>-701<span class=\"__14 _7b_6\"> </span>-701<span class=\"__14 _1102\"> </span>\u2013<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _8b_6\"> </span>-706<span class=\"__14 _1118\"> </span>-706<span class=\"__14 _1ce\"> </span>\u00d6vriga f\u00f6r\u00e4ndringar<span class=\"__14 _1ce\"> </span>1<span class=\"__14 _1ce\"> </span>579<span class=\"__14 _1136\"> </span><span class=\"ls0_14 ws0_14\">1<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _8f_6\"> </span>580<span class=\"__14 _1a4\"> </span>-13 812<span class=\"__14 _a0_6\"> </span>1 199<span class=\"__14 _a0_6\"> </span>-383<span class=\"__14 _1127\"> </span>-12 996<span class=\"__14 _8b_6\"> </span>-13 233<span class=\"__14 _1223\"> </span>1 200<span class=\"__14 _a0_6\"> </span>-383<span class=\"__14 _3d_8\"> </span>-12 416<span class=\"__14 _1ce\"> </span></span>V<span class=\"__14 _b_13\"/>alutakurs-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">differenser</span><span class=\"__14 _1142\"> </span><span class=\"ls13_11 ws39_5\">614<span class=\"__14 _1104\"> </span></span>0<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _1154\"> </span><span class=\"ls13_11 ws39_5\">6<span class=\"__14 _1072\"/>14<span class=\"__14 _8b_6\"> </span></span>-7 672<span class=\"__14 _1119\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _1072\"/>57<span class=\"__14 _1149\"> </span></span>-40<span class=\"__14 _5a_6\"> </span>-<span class=\"__14 _1058\"/>7 969<span class=\"__14 _1098\"> </span>-7 058<span class=\"__14 _1119\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _1072\"/>57<span class=\"__14 _1149\"> </span></span>-40<span class=\"__14 _3b_8\"> </span>-7 355<span class=\"__14 _1ce\"> </span>Utg\u00e5ende balans per 31 dec 2022<span class=\"__14 _1136\"> </span>2 845<span class=\"__14 _1104\"> </span>7<span class=\"__14 _1120\"> </span>13<span class=\"__14 _1135\"> </span>2 865<span class=\"__14 _1a5\"> </span>261 7<span class=\"__14 _b_13\"/>40<span class=\"__14 _6f_6\"> </span>12 77<span class=\"__14 _1072\"/>9<span class=\"__14 _1a4\"> </span><span class=\"ls26_6 ws4c_3\">2<span class=\"__14 _1072\"/> 242<span class=\"__14 _1123\"> </span></span>276 761<span class=\"__14 _1074\"> </span>264 585<span class=\"__14 _6f_6\"> </span>12 786<span class=\"__14 _1a4\"> </span>2 255<span class=\"__14 _6f_6\"> </span>279 626<span class=\"__14 _1ce\"> </span>1)  \u00d6vriga f\u00f6r\u00e4ndringar a<span class=\"__14 _b_13\"/>vser fr\u00e4mst f\u00f6r\u00e4ndr<span class=\"__14 _1058\"/>at utnyttjande a<span class=\"__14 _1058\"/>v kreditramar som beviljats tidigar<span class=\"__14 _b_13\"/>e \u00e5r.<span class=\"__14 _1ce\"> </span>Centralbanker och kr<span class=\"__14 _b_13\"/>editinstitut<span class=\"__14 _1a6\"> </span>Allm\u00e4nheten<span class=\"__14 _f9_6\"> </span>Summa<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _f_13\"> </span>Kategori 2<span class=\"__14 _1f_10\"> </span>Kat<span class=\"__14 _1058\"/>egori 3<span class=\"__14 _1157\"> </span>Summa<span class=\"__14 _17f\"> </span>Kategori 1<span class=\"__14 _f_13\"> </span>Kategori 2<span class=\"__14 _1f_10\"> </span>Kategori 3<span class=\"__14 _6f_6\"> </span>Summa<span class=\"__14 _1a1\"> </span>Kategori 1<span class=\"__14 _f_13\"> </span>Kategori 2<span class=\"__14 _1f_10\"> </span>Kategori 3<span class=\"__14 _5d_6\"> </span>Summa<span class=\"__14 _1ce\"> </span>Ing\u00e5ende balans per 1 jan 2021<span class=\"__14 _1111\"> </span>4 351<span class=\"__14 _7b_6\"> </span>58<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _1123\"> </span>4 409 <span class=\"__14 _1a7\"> </span>241 672<span class=\"__14 _6f_6\"> </span>13 782 <span class=\"__14 _1a5\"> </span>3 979 <span class=\"__14 _1a8\"> </span>259 433<span class=\"__14 _1123\"> </span>246 023<span class=\"__14 _1a2\"> </span>13 840<span class=\"__14 _1a4\"> </span>3 979 <span class=\"__14 _1a7\"> </span>263 84<span class=\"__14 _1072\"/>2<span class=\"__14 _1ce\"> </span>Nya eller f\u00f6rv\u00e4rvade<span class=\"__14 _1ce\"> </span>l\u00e5nefordringar<span class=\"__14 _be_7\"> </span>377<span class=\"__14 _1129\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _8c_6\"> </span>377<span class=\"__14 _1135\"> </span>68 158<span class=\"__14 _1117\"> </span>1 326<span class=\"__14 _1118\"> </span>83<span class=\"__14 _1117\"> </span>69 567<span class=\"__14 _5a_6\"> </span>68 535<span class=\"__14 _1117\"> </span>1 326<span class=\"__14 _1118\"> </span>83<span class=\"__14 _3d_8\"> </span>69 944<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar mellan<span class=\"__14 _1ce\"> </span>kategori 1 och 2,<span class=\"__14 _1ce\"> </span>netto<span class=\"__14 _1207\"> </span>0<span class=\"__14 _1129\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _1121\"> </span>-341<span class=\"__14 _1154\"> </span>341<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _7c_6\"> </span>-341<span class=\"__14 _1154\"> </span>341<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar mellan<span class=\"__14 _1ce\"> </span>kategori 2 och 3,<span class=\"__14 _1ce\"> </span>netto<span class=\"__14 _1085\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _da_6\"> </span>\u2013 <span class=\"__14 _a0_6\"> </span>-266<span class=\"__14 _1119\"> </span>266<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _1102\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>-266<span class=\"__14 _1119\"> </span>266<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar mellan<span class=\"__14 _1ce\"> </span>kategori 1 och 3,<span class=\"__14 _1ce\"> </span>netto<span class=\"__14 _1085\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _1118\"> </span><span class=\"ls13_11 ws39_5\">-152<span class=\"__14 _1129\"> </span></span>\u2013<span class=\"__14 _1149\"> </span>152<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _7c_6\"> </span><span class=\"ls13_11 ws39_5\">-1<span class=\"__14 _1072\"/>52<span class=\"__14 _1129\"> </span></span>\u2013<span class=\"__14 _1149\"> </span>152<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _1ce\"> </span>\u00c5terbetalda eller<span class=\"__14 _1ce\"> </span>borttagna l\u00e5ne-<span class=\"__14 _1ce\"> </span>fordringar<span class=\"__14 _16a\"> </span>-1 231<span class=\"__14 _8c_6\"> </span>-50 <span class=\"__14 _1118\"> </span><span class=\"ls26_6 ws4c_3\">-2 <span class=\"__14 _1a5\"> </span></span>-1 283 <span class=\"__14 _1a8\"> </span>-63 728<span class=\"__14 _6f_6\"> </span>-2 669<span class=\"__14 _1117\"> </span><span class=\"ls28_6 ws4f_3\">-443<span class=\"__14 _6f_6\"> </span></span>-66 840<span class=\"__14 _1135\"> </span>-64 959<span class=\"__14 _1123\"> </span>-2 719<span class=\"__14 _1117\"> </span>-445<span class=\"__14 _1127\"> </span>-68 123<span class=\"__14 _1ce\"> </span>Bortskrivna<span class=\"__14 _1ce\"> </span>l\u00e5nefordringar<span class=\"__14 _16a\"> </span>\u2013<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _1106\"> </span>\u2013 <span class=\"__14 _4c_6\"> </span>\u2013 <span class=\"__14 _1123\"> </span>-<span class=\"__14 _1072\"/>490<span class=\"__14 _1121\"> </span>-490<span class=\"__14 _1102\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _3d_8\"> </span>-<span class=\"__14 _1072\"/>490<span class=\"__14 _1121\"> </span>-490<span class=\"__14 _1ce\"> </span>\u00d6vriga f\u00f6r\u00e4ndringar<span class=\"__14 _1ce\"> </span>1<span class=\"__14 _1ce\"> </span>-1 601<span class=\"__14 _1129\"> </span>6<span class=\"__14 _1130\"> </span>2 <span class=\"__14 _1a9\"> </span>-1 593<span class=\"__14 _5a_6\"> </span>9 854<span class=\"__14 _8c_6\"> </span>165<span class=\"__14 _1149\"> </span>-85<span class=\"__14 _1096\"> </span>9 934<span class=\"__14 _1121\"> </span>8 253<span class=\"__14 _1121\"> </span><span class=\"ls13_11 ws39_5\">171<span class=\"__14 _8f_6\"> </span></span>-83<span class=\"__14 _1115\"> </span>8 341<span class=\"__14 _1ce\"> </span>V<span class=\"__14 _b_13\"/>alutakurs-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">differenser</span><span class=\"__14 _1aa\"> </span>-111 <span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1115\"> </span>-<span class=\"__14 _b_13\"/>111<span class=\"__14 _7b_6\"> </span>369<span class=\"__14 _1113\"> </span>53<span class=\"__14 _1118\"> </span>50<span class=\"__14 _7c_6\"> </span>473<span class=\"__14 _fc_7\"> </span>2<span class=\"__14 _1072\"/>58<span class=\"__14 _a6_7\"> </span>54<span class=\"__14 _1118\"> </span>50<span class=\"__14 _7c_6\"> </span>362<span class=\"__14 _1ce\"> </span>Utg\u00e5ende balans per 31 dec 2021<span class=\"__14 _8d_6\"> </span>1 785 <span class=\"__14 _1118\"> </span><span class=\"ls13_11 ws39_5\">14<span class=\"__14 _1072\"/> <span class=\"__14 _1113\"> </span></span>0<span class=\"__14 _3d_8\"> </span>1 799 <span class=\"__14 _1124\"> </span>2<span class=\"__14 _1072\"/>55 832<span class=\"__14 _6f_6\"> </span>12 7<span class=\"__14 _1072\"/>33<span class=\"__14 _1127\"> </span>3 512<span class=\"__14 _1074\"> </span>27<span class=\"__14 _1072\"/>2 077<span class=\"__14 _3d_8\"> </span><span class=\"ls13_11 ws39_5\">257 6<span class=\"__14 _1072\"/>17<span class=\"__14 _5d_6\"> </span></span>12 7<span class=\"__14 _b_13\"/>47<span class=\"__14 _1135\"> </span>3 512<span class=\"__14 _6f_6\"> </span>27<span class=\"__14 _1072\"/>3 876<span class=\"__14 _1ce\"> </span>1)  \u00d6vriga f\u00f6r\u00e4ndringar a<span class=\"__14 _b_13\"/>vser fr\u00e4mst \u00f6kat utnyttjande a<span class=\"__14 _1058\"/>v kreditramar som beviljats tidigar<span class=\"__14 _b_13\"/>e \u00e5r<span class=\"__14 _1ce\"> </span>.<span class=\"__14 _1ce\"> </span>Reserveringarna enligt ledningens bed\u00f6mning minskade<span class=\"__14 _1ce\"> </span>med 25 mn euro under \u00e5ret, fr\u00e5n 610 mn euro till 585 mn<span class=\"__14 _1ce\"> </span>euro. De cykliska r<span class=\"__14 _1058\"/>eserveringarna enligt ledningens bed\u00f6m-<span class=\"__14 _1ce\"> </span>ning uppgick till 430 mn euro vid \u00e5rets slut, ner fr\u00e5n 455 mn<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">euro. Under fj\u00e4rde kv</span><span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>talet 2022 gjordes en ny ber<span class=\"__14 _b_13\"/>\u00e4kning av<span class=\"__14 _1ce\"> </span>de cykliska reserveringarna enligt ledningens bed\u00f6mning<span class=\"__14 _1ce\"> </span>mot bakgrund a<span class=\"__14 _b_13\"/>v de extraordin\u00e4r<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">a effekterna a</span><span class=\"__14 _b_13\"/>v h\u00f6gre<span class=\"__14 _1ce\"> </span>energi- och levnadskos<span class=\"__14 _b_13\"/>tnader, sam<span class=\"__14 _b_13\"/>tidigt som mindre h\u00e4nsyn<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">togs till eff</span><span class=\"__14 _1058\"/>ekter orsakade a<span class=\"__14 _b_13\"/>v pandemin. Reserveringarnas till-<span class=\"__14 _1ce\"> </span>r\u00e4cklighet analys<span class=\"__14 _1058\"/>erades utifr<span class=\"__14 _b_13\"/>\u00e5n hur h\u00f6gre kostnader och l\u00e4gre<span class=\"__14 _1ce\"> </span>konsumtion sk<span class=\"__14 _b_13\"/>ulle kunna sl\u00e5 mot olika sekt<span class=\"__14 _1058\"/>orer i n\u00e4ringslivet.<span class=\"__14 _1ce\"> </span>De struk<span class=\"__14 _1058\"/>turella reserveringarna enligt ledningens bed\u00f6mning<span class=\"__14 _1ce\"> </span>l\u00e4mnades of<span class=\"__14 _1058\"/>\u00f6r\u00e4ndrade p\u00e5 155 mn eur<span class=\"__14 _b_13\"/>o och avser planerade<span class=\"__14 _1ce\"> </span>f\u00f6rb\u00e4<span class=\"__14 _b_13\"/>ttringar av modeller och processer f<span class=\"__14 _b_13\"/>\u00f6r avs\u00e4ttningar<span class=\"__14 _1c_10\"/>.<span class=\"__14 _1ce\"> </span>Kreditf<span class=\"__14 _1058\"/>\u00f6rluster och n<span class=\"__14 _1058\"/>yckel<span class=\"__14 _b_13\"/>tal<span class=\"__14 _1ce\"> </span>2022<span class=\"__14 _1124\"> </span>2021<span class=\"__14 _1ce\"> </span>Kreditf\u00f6rl<span class=\"__14 _1058\"/>uster<span class=\"__14 _b_13\"/>, mn euro<span class=\"__14 _3e_8\"> </span>112<span class=\"__14 _1a9\"> </span>118<span class=\"__14 _1ce\"> </span>Kreditf\u00f6rl<span class=\"__14 _1058\"/>ustrelation nett<span class=\"__14 _1058\"/>o, upplupet <span class=\"__14 _1ce\">anskaffningsv\u00e4r</span><span class=\"__14 _b_13\"/>de, koncernen, punkter<span class=\"__14 _15d_1\"> </span>4<span class=\"__14 _1096\"> </span>4<span class=\"__14 _1ce\"> </span>- vara<span class=\"__14 _b_13\"/>v kategori 3<span class=\"__14 _df_6\"> </span>3<span class=\"__14 _1117\"> </span>12<span class=\"__14 _1ce\"> </span>- vara<span class=\"__14 _b_13\"/>v kategori 1 och 2<span class=\"__14 _1126\"> </span>1<span class=\"__14 _1223\"> </span>-8<span class=\"__14 _1ce\"> </span>Kreditf\u00f6rl<span class=\"__14 _1058\"/>ustrelation nett<span class=\"__14 _1058\"/>o, inklusive h<span class=\"__14 _1058\"/>ypoteksl\u00e5n till verkligt v\u00e4rde, k<span class=\"__14 _1058\"/>oncernen, punkt<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">er1</span><span class=\"__14 _1172\"> </span>4<span class=\"__14 _8f_6\"> </span>1<span class=\"__14 _1ce\"> </span>Kreditf\u00f6rl<span class=\"__14 _1058\"/>ustrelation nett<span class=\"__14 _1058\"/>o, inklusive h<span class=\"__14 _1058\"/>ypoteksl\u00e5n till verkligt v\u00e4rde, P<span class=\"__14 _b_13\"/>ersonal Banking, punkter<span class=\"__14 _1088\"> </span>3<span class=\"__14 _1115\"> </span>1<span class=\"__14 _1ce\"> </span>Kreditf\u00f6rl<span class=\"__14 _1058\"/>ustrelation nett<span class=\"__14 _1058\"/>o, inklusive h<span class=\"__14 _1058\"/>ypoteksl\u00e5n till verkligt v\u00e4rde, Business Banking, punk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1088\"> </span>5<span class=\"__14 _1096\"> </span>0<span class=\"__14 _1ce\"> </span>Kreditf\u00f6rl<span class=\"__14 _1058\"/>ustrelation nett<span class=\"__14 _1058\"/>o, inklusive h<span class=\"__14 _1058\"/>ypoteksl\u00e5n till<span class=\"__14 _1ce\"> </span>verkligt v\u00e4rde, L<span class=\"__14 _1058\"/>arge Corpora<span class=\"__14 _1058\"/>tes &amp; Institutions, punk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _3b_8\"> </span>-9<span class=\"__14 _1149\"> </span>2<span class=\"__14 _1ce\"> </span>1)  Kreditf\u00f6rlust<span class=\"__14 _1058\"/>er och nettoresulta<span class=\"__14 _1058\"/>t av utl\u00e5ning i portf\u00f6ljer som h\u00e5lls till f<span class=\"__14 _b_13\"/>\u00f6rfall och obl-<span class=\"__14 _1ce\"> </span>ligatoriskt v<span class=\"__14 _b_13\"/>\u00e4rderas till verkligt v\u00e4rde dividerat med to<span class=\"__14 _b_13\"/>tal utl\u00e5ning v\u00e4rderad till upp-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">lupet anskaffningsv\u00e4r</span><span class=\"__14 _b_13\"/>de och verkligt v\u00e4rde, punkter<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:125.09563px; bottom:403.67365px;\">Centralbanker och kr<span class=\"__14 _b_13\"/>editinstitut<span class=\"__14 _1225\"> </span>Allm\u00e4nheten<span class=\"__14 _8a_6\"> </span>Summa<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:387.5042px;\">Mn euro<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h16_5 ff1_14 fs8_12 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:107.13106px; bottom:387.5055px;\">Kategori 1<span class=\"__14 _1f_10\"> </span>Kategori 2<span class=\"__14 _1f_10\"> </span>Kat<span class=\"__14 _1058\"/>egori 3<span class=\"__14 _1076\"> </span>Summa<span class=\"__14 _a_13\"> </span>Kategori 1<span class=\"__14 _1ab\"> </span>Kategori 2<span class=\"__14 _1ac\"> </span>Kategori 3<span class=\"__14 _1a2\"> </span>Summa<span class=\"__14 _e_13\"> </span>Kategori 1<span class=\"__14 _1ab\"> </span>Kategori 2<span class=\"__14 _1ac\"> </span>Kategori 3<span class=\"__14 _1a2\"> </span>Summa<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h17_5 ff4_13 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:371.3374px;\">Ing\u00e5ende balans  </div><div class=\"t_14 m0_14 h17_5 ff4_13 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:361.5874px;\">per 1 jan 2021<span class=\"__14 _1ad\"> </span>-3<span class=\"__14 _1113\"> </span><span class=\"ls13_11 ws39_5\">-1 <span class=\"__14 _1113\"> </span></span>0<span class=\"__14 _3d_8\"> </span><span class=\"ls28_6 ws4f_3\">-4<span class=\"__14 _1119\"> </span></span>-281<span class=\"__14 _1a4\"> </span><span class=\"ls28_6 ws4f_3\">-489<span class=\"__14 _a0_6\"> </span></span>-1 674<span class=\"__14 _1135\"> </span>-2 444<span class=\"__14 _5a_6\"> </span>-284<span class=\"__14 _1a4\"> </span>-490<span class=\"__14 _8b_6\"> </span>-1 67<span class=\"__14 _1058\"/>4<span class=\"__14 _3d_8\"> </span>-<span class=\"__14 _b_13\"/>2 448<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:345.41803px;\">Nya eller f\u00f6rv\u00e4rvade<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:335.66803px;\">l\u00e5nefordringar<span class=\"__14 _4a_6\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _1130\"> </span></span>0<span class=\"__14 _7c_6\"> </span>\u2013<span class=\"__14 _a0_6\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _1118\"> </span><span class=\"ls13_11 ws39_5\">-51<span class=\"__14 _1096\"> </span></span>-22<span class=\"__14 _1147\"> </span></span>-8<span class=\"__14 _7c_6\"> </span>-81<span class=\"__14 _1121\"> </span>-53<span class=\"__14 _1098\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _1072\"/>2<span class=\"__14 _1147\"> </span></span>-8<span class=\"__14 _a5_7\"> </span>-83<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:319.49863px;\">\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:309.74863px;\">1 till kategori 2<span class=\"__14 _1ad\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>0<span class=\"__14 _1136\"> </span>9<span class=\"__14 _1ae\"> </span>-108<span class=\"__14 _1106\"> </span>\u2013<span class=\"__14 _a5_7\"> </span>-99<span class=\"__14 _1136\"> </span>9<span class=\"__14 _1135\"> </span>-108<span class=\"__14 _1106\"> </span>\u2013<span class=\"__14 _a5_7\"> </span>-99<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:293.57922px;\">\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:283.82922px;\">1 till kategori 3<span class=\"__14 _1ad\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>0<span class=\"__14 _1148\"> </span>1<span class=\"__14 _a6_7\"> </span>\u2013<span class=\"__14 _6a_6\"> </span>-33<span class=\"__14 _7c_6\"> </span>-32<span class=\"__14 _1147\"> </span>1<span class=\"__14 _1113\"> </span>\u2013<span class=\"__14 _7c_6\"> </span>-33<span class=\"__14 _6a_6\"> </span>-32<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:267.65982px;\">\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:257.90982px;\">2 till kategori 1<span class=\"__14 _1ad\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>0<span class=\"__14 _7c_6\"> </span>-3<span class=\"__14 _5a_6\"> </span>100<span class=\"__14 _da_6\"> </span>\u2013<span class=\"__14 _1129\"> </span><span class=\"ls29_6 ws50_3\">97<span class=\"__14 _4c_6\"> </span></span>-3<span class=\"__14 _5a_6\"> </span>100<span class=\"__14 _1106\"> </span>\u2013<span class=\"__14 _1129\"> </span><span class=\"ls29_6 ws50_3\">97<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:241.74042px;\">\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:231.99042px;\">2 till kategori 3<span class=\"__14 _1214\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _5a_6\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _1154\"> </span>28<span class=\"__14 _1118\"> </span><span class=\"ls13_11 ws39_5\">-152<span class=\"__14 _1121\"> </span><span class=\"ls26_6 ws4c_3\">-1<span class=\"__14 _1072\"/>24<span class=\"__14 _1129\"> </span></span></span>\u2013<span class=\"__14 _1154\"> </span>28<span class=\"__14 _1118\"> </span><span class=\"ls13_11 ws39_5\">-152<span class=\"__14 _1121\"> </span><span class=\"ls26_6 ws4c_3\">-1<span class=\"__14 _1072\"/>24<span class=\"__14 _1ce\"> </span></span></span></div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:5.217819px; bottom:215.82101px;\">\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:5.217819px; bottom:206.07101px;\">3 till kategori 1<span class=\"__14 _2f_8\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>\u2013<span class=\"__14 _a1_6\"> </span><span class=\"ls13_11 ws39_5\">-1<span class=\"__14 _1113\"> </span></span>\u2013<span class=\"__14 _1136\"> </span>22<span class=\"__14 _1147\"> </span>21<span class=\"__14 _4c_6\"> </span><span class=\"ls13_11 ws39_5\">-1<span class=\"__14 _1113\"> </span></span>\u2013<span class=\"__14 _1136\"> </span>22<span class=\"__14 _1147\"> </span>21<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:5.217819px; bottom:189.90161px;\">\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:5.217819px; bottom:180.15161px;\">3 till kategori 2<span class=\"__14 _1214\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _5a_6\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _5f_6\"> </span><span class=\"ls13_11 ws39_5\">-1<span class=\"__14 _1129\"> </span></span>38<span class=\"__14 _1136\"> </span>37<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _5f_6\"> </span><span class=\"ls13_11 ws39_5\">-1<span class=\"__14 _1104\"> </span></span>38<span class=\"__14 _1136\"> </span>37<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:5.217819px; bottom:163.98221px;\">F\u00f6r\u00e4ndringar i kr<span class=\"__14 _1058\"/>edit-<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:5.217819px; bottom:154.23221px;\">risk utan \u00f6verf\u00f6ringar<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:5.217819px; bottom:144.48221px;\">mellan kategorier<span class=\"__14 _15a_1\"> </span>0<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _3b_8\"> </span>0<span class=\"__14 _1113\"> </span><span class=\"ls29_6 ws50_3\">97<span class=\"__14 _8c_6\"> </span></span>22<span class=\"__14 _1121\"> </span><span class=\"ls13_11 ws39_5\">-12<span class=\"__14 _1072\"/>5<span class=\"__14 _1147\"> </span></span>-6<span class=\"__14 _1113\"> </span><span class=\"ls29_6 ws50_3\">97<span class=\"__14 _8c_6\"> </span></span>22<span class=\"__14 _1118\"> </span><span class=\"ls13_11 ws39_5\">-125<span class=\"__14 _1147\"> </span></span>-6<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:5.217819px; bottom:128.3128px;\">\u00c5terbetalda eller s\u00e5lda<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:5.217819px; bottom:118.562805px;\">l\u00e5nefordringar<span class=\"__14 _1222\"> </span>2<span class=\"__14 _1104\"> </span>1<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _3b_8\"> </span>3 <span class=\"__14 _5f_6\"> </span>37<span class=\"__14 _8c_6\"> </span><span class=\"ls2a_6 ws51_3\">72<span class=\"__14 _1130\"> </span></span>89<span class=\"__14 _a6_7\"> </span>198<span class=\"__14 _1113\"> </span>39<span class=\"__14 _8c_6\"> </span><span class=\"ls2b_6 ws52_3\">73<span class=\"__14 _1130\"> </span></span>89<span class=\"__14 _a5_7\"> </span>201<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:5.217819px; bottom:102.39343px;\">Bortskrivna l\u00e5ne-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:5.217819px; bottom:92.64342px;\">fordringar med minskning<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:5.217819px; bottom:82.89342px;\">av reserver<span class=\"__14 _1af\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _5a_6\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _a6_7\"> </span>\u2013<span class=\"__14 _7b_6\"> </span>260<span class=\"__14 _1120\"> </span>260<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _1113\"> </span>\u2013<span class=\"__14 _1120\"> </span>260<span class=\"__14 _1120\"> </span>260<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:5.217819px; bottom:66.724014px;\">V<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">alutakursdifferenser</span><span class=\"__14 _1200\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>0<span class=\"__14 _4c_6\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _5f_6\"> </span><span class=\"ls13_11 ws39_5\">-1<span class=\"__14 _4c_6\"> </span></span>-27<span class=\"__14 _6a_6\"> </span></span>-30<span class=\"__14 _4c_6\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _5f_6\"> </span><span class=\"ls13_11 ws39_5\">-1<span class=\"__14 _4c_6\"> </span></span>-27<span class=\"__14 _6a_6\"> </span></span>-30<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m5_2 h17_5 ff4_13 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:50.570084px;\">Utg\u00e5ende balans  </div><div class=\"t_14 m5_2 h17_5 ff4_13 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:40.820084px;\">per 31 dec 2021<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h17_5 ff4_13 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:136.01447px; bottom:40.820084px;\">-3<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _1223\"> </span>-3<span class=\"__14 _3b_8\"> </span>-194<span class=\"__14 _1127\"> </span>-399<span class=\"__14 _a0_6\"> </span>-1 610<span class=\"__14 _1117\"> </span>-2 203<span class=\"__14 _1119\"> </span><span class=\"ls13_11 ws39_5\">-197<span class=\"__14 _1135\"> </span></span>-399<span class=\"__14 _a0_6\"> </span>-1 610<span class=\"__14 _1223\"> </span>-2 206<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:16.276733px;\">T<span class=\"__14 _1c_10\"/>abellerna visar f\u00f6r\u00e4ndringar i e<span class=\"__14 _b_13\"/>xponering/reserver f\u00f6r v<span class=\"__14 _b_13\"/>arje kategori under \u00e5ret. Om en exponering \u00f6verf<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>s fr\u00e5n ka<span class=\"__14 _b_13\"/>tegori 1 till<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:2.7515411px;\">kategori 2, g\u00f6rs en \u00e5t<span class=\"__14 _1058\"/>erf\u00f6ring i kat<span class=\"__14 _b_13\"/>egori 1 och en \u00f6kning i kategori 2.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h5_13 ff1_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:823.13666px;\">F\u00f6r<span class=\"__14 _b_13\"/>\u00e4ndring av reserver f<span class=\"__14 _b_13\"/>\u00f6r l\u00e5n v\u00e4rderade till upplupet anska<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ffningsv\u00e4rde<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:125.09563px; bottom:806.59564px;\">Centralbanker och kr<span class=\"__14 _b_13\"/>editinstitut<span class=\"__14 _1225\"> </span>Allm\u00e4nheten<span class=\"__14 _8a_6\"> </span>Summa<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:790.4262px;\">Mn euro<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h16_5 ff1_14 fs8_12 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:107.13106px; bottom:790.42737px;\">Kategori 1<span class=\"__14 _1f_10\"> </span>Kategori 2<span class=\"__14 _1f_10\"> </span>Kat<span class=\"__14 _1058\"/>egori 3<span class=\"__14 _1076\"> </span>Summa<span class=\"__14 _a_13\"> </span>Kategori 1<span class=\"__14 _1ab\"> </span>Kategori 2<span class=\"__14 _1ac\"> </span>Kategori 3<span class=\"__14 _1a2\"> </span>Summa<span class=\"__14 _e_13\"> </span>Kategori 1<span class=\"__14 _1ab\"> </span>Kategori 2<span class=\"__14 _1ac\"> </span>Kategori 3<span class=\"__14 _1a2\"> </span>Summa<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h17_5 ff4_13 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:774.2593px;\">Ing\u00e5ende balans  </div><div class=\"t_14 m0_14 h17_5 ff4_13 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:764.5093px;\">per 1 jan 2022<span class=\"__14 _2f_8\"> </span>-3<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _1117\"> </span>-3<span class=\"__14 _4e_6\"> </span>-194<span class=\"__14 _1127\"> </span>-399<span class=\"__14 _8b_6\"> </span>-1 610<span class=\"__14 _1117\"> </span>-2 203<span class=\"__14 _3b_8\"> </span><span class=\"ls13_11 ws39_5\">-1<span class=\"__14 _1072\"/>97<span class=\"__14 _1127\"> </span></span>-399<span class=\"__14 _8b_6\"> </span>-1 610<span class=\"__14 _1223\"> </span>-2 206<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:748.3399px;\">Nya eller f\u00f6rv\u00e4rvade<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:738.5899px;\">l\u00e5nefordringar<span class=\"__14 _4a_6\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _1130\"> </span></span>0<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _1117\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _8c_6\"> </span></span>-69<span class=\"__14 _3b_8\"> </span>-30<span class=\"__14 _1147\"> </span>-8<span class=\"__14 _1121\"> </span>-107<span class=\"__14 _5f_6\"> </span><span class=\"ls2c_6 ws53_3\">-71<span class=\"__14 _3b_8\"> </span></span>-30<span class=\"__14 _1147\"> </span>-8<span class=\"__14 _8c_6\"> </span>-109<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:722.4205px;\">\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori 1<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:712.6705px;\">till kategori 2<span class=\"__14 _1225\"> </span>0<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>0<span class=\"__14 _1136\"> </span>4<span class=\"__14 _3b_8\"> </span><span class=\"ls29_6 ws50_3\">-<span class=\"__14 _1072\"/>97<span class=\"__14 _1106\"> </span></span>\u2013<span class=\"__14 _6a_6\"> </span>-93<span class=\"__14 _1136\"> </span>4<span class=\"__14 _3b_8\"> </span><span class=\"ls29_6 ws50_3\">-<span class=\"__14 _1072\"/>97<span class=\"__14 _1106\"> </span></span>\u2013<span class=\"__14 _6a_6\"> </span>-93<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:696.5011px;\">\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori 1<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:686.7511px;\">till kategori 3<span class=\"__14 _1225\"> </span>0<span class=\"__14 _7c_6\"> </span>\u2013<span class=\"__14 _a6_7\"> </span>-5<span class=\"__14 _1223\"> </span>-5<span class=\"__14 _1148\"> </span>1<span class=\"__14 _a6_7\"> </span>\u2013<span class=\"__14 _1113\"> </span>-60<span class=\"__14 _6a_6\"> </span>-59<span class=\"__14 _1148\"> </span>1<span class=\"__14 _a6_7\"> </span>\u2013<span class=\"__14 _a5_7\"> </span>-65<span class=\"__14 _a5_7\"> </span>-64<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:670.58167px;\">\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori 2<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:660.83167px;\">till kategori 1<span class=\"__14 _1b0\"> </span>0<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _3b_8\"> </span>0<span class=\"__14 _7c_6\"> </span>-5<span class=\"__14 _1154\"> </span><span class=\"ls13_11 ws39_5\">76<span class=\"__14 _da_6\"> </span></span>\u2013<span class=\"__14 _1147\"> </span>71<span class=\"__14 _7c_6\"> </span>-5<span class=\"__14 _8c_6\"> </span><span class=\"ls13_11 ws39_5\">76<span class=\"__14 _1106\"> </span></span>\u2013<span class=\"__14 _1147\"> </span>71<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:644.6623px;\">\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori 2<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:634.9123px;\">till kategori 3<span class=\"__14 _1210\"> </span>\u2013<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _4e_6\"> </span>0<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _8c_6\"> </span>10<span class=\"__14 _a5_7\"> </span>-89<span class=\"__14 _6a_6\"> </span><span class=\"ls2c_6 ws53_3\">-7<span class=\"__14 _1072\"/>9<span class=\"__14 _1129\"> </span></span>\u2013<span class=\"__14 _8c_6\"> </span>10<span class=\"__14 _a5_7\"> </span>-89<span class=\"__14 _7c_6\"> </span><span class=\"ls2c_6 ws53_3\">-79<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:5.217819px; bottom:618.74286px;\">\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori 3<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:5.217819px; bottom:608.99286px;\">till kategori 1<span class=\"__14 _1225\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>\u2013<span class=\"__14 _1129\"> </span>0<span class=\"__14 _1113\"> </span>\u2013<span class=\"__14 _1136\"> </span>27<span class=\"__14 _1136\"> </span>27<span class=\"__14 _1129\"> </span>0<span class=\"__14 _1113\"> </span>\u2013<span class=\"__14 _1136\"> </span>27<span class=\"__14 _1136\"> </span>27<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:5.217819px; bottom:592.8235px;\">\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori 3<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:5.217819px; bottom:583.0735px;\">till kategori 2<span class=\"__14 _1b1\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _5a_6\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _1121\"> </span>-6<span class=\"__14 _1129\"> </span>29<span class=\"__14 _1129\"> </span><span class=\"ls28_6 ws4f_3\">23<span class=\"__14 _1104\"> </span></span>\u2013<span class=\"__14 _1121\"> </span>-6<span class=\"__14 _1129\"> </span>29<span class=\"__14 _1136\"> </span><span class=\"ls28_6 ws4f_3\">23<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:5.217819px; bottom:564.2209px;\">F\u00f6r\u00e4ndringar i kr<span class=\"__14 _1058\"/>edit-<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:5.217819px; bottom:554.4709px;\">risk utan \u00f6verf\u00f6ringar<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:5.217819px; bottom:544.7209px;\">mellan kategorier<span class=\"__14 _15a_1\"> </span>0<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _1115\"> </span><span class=\"ls26_6 ws4c_3\">-20<span class=\"__14 _1a9\"> </span>-2<span class=\"__14 _1072\"/>0<span class=\"__14 _7c_6\"> </span></span>-3<span class=\"__14 _3b_8\"> </span>-46<span class=\"__14 _7c_6\"> </span><span class=\"ls13_11 ws39_5\">-18<span class=\"__14 _7c_6\"> </span></span>-67<span class=\"__14 _7c_6\"> </span>-3<span class=\"__14 _4e_6\"> </span>-46<span class=\"__14 _a5_7\"> </span>-38<span class=\"__14 _6a_6\"> </span>-87<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:5.217819px; bottom:528.5515px;\">\u00c5terbetalda eller s\u00e5lda<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:5.217819px; bottom:518.8015px;\">l\u00e5nefordringar<span class=\"__14 _1103\"> </span>1<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _1098\"> </span>1<span class=\"__14 _1113\"> </span>45<span class=\"__14 _1115\"> </span>80<span class=\"__14 _a5_7\"> </span><span class=\"ls13_11 ws39_5\">176<span class=\"__14 _1113\"> </span></span>301<span class=\"__14 _7b_6\"> </span>46<span class=\"__14 _1115\"> </span>80<span class=\"__14 _a5_7\"> </span><span class=\"ls13_11 ws39_5\">176<span class=\"__14 _a6_7\"> </span></span>302<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:5.217819px; bottom:502.63208px;\">Bortskrivna l\u00e5ne-fordringar<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:5.217819px; bottom:492.88208px;\">med minskning av reserver<span class=\"__14 _fc_7\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>\u2013<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _1113\"> </span>\u2013<span class=\"__14 _1120\"> </span>509<span class=\"__14 _1120\"> </span>509<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _a6_7\"> </span>\u2013<span class=\"__14 _1120\"> </span>509<span class=\"__14 _1120\"> </span>509<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h18_5 ff2_14 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:5.217819px; bottom:476.7127px;\">V<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">alutakursdifferenser</span><span class=\"__14 _1200\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _4e_6\"> </span>0<span class=\"__14 _1136\"> </span>5<span class=\"__14 _a5_7\"> </span>4<span class=\"__14 _1129\"> </span><span class=\"ls26_6 ws4c_3\">24<span class=\"__14 _1136\"> </span></span>33<span class=\"__14 _1136\"> </span>5<span class=\"__14 _1113\"> </span>4<span class=\"__14 _1136\"> </span><span class=\"ls26_6 ws4c_3\">24<span class=\"__14 _1129\"> </span></span>33<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m6_1 h17_5 ff4_13 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:460.56073px;\">Utg\u00e5ende balans  </div><div class=\"t_14 m6_1 h17_5 ff4_13 fs7_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:450.81073px;\">per 31 dec 2022<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h17_5 ff4_13 fs7_13 fc2_12 sc0_14 ls28_6 ws4f_3\" style=\"left:136.01447px; bottom:450.81073px;\">-4<span class=\"__14 _7c_6\"> </span><span class=\"ls0_14 ws0_14\">\u2013<span class=\"__14 _1115\"> </span><span class=\"ls26_6 ws4c_3\">-25<span class=\"__14 _1a9\"> </span>-2<span class=\"__14 _1072\"/>9<span class=\"__14 _1119\"> </span></span>-216<span class=\"__14 _1a4\"> </span>-408<span class=\"__14 _1117\"> </span>-1 020<span class=\"__14 _1223\"> </span>-1 644<span class=\"__14 _4e_6\"> </span>-220<span class=\"__14 _1a4\"> </span>-<span class=\"__14 _1072\"/>408<span class=\"__14 _1223\"> </span>-1 045<span class=\"__14 _8b_6\"> </span>-1 673<span class=\"__14 _1ce\"> </span></span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLoansAndAdvancesToCustomersExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-616": {
   "value": "Klassi\ufb01cering av \ufb01nansiella instrument Tillg\u00e5ngar Finansiella tillg\u00e5ngar v\u00e4rderade  till verkligt v\u00e4rde via  resultatr\u00e4kningen Verkligt  v\u00e4rde via  \u00f6vrigt  total- resultat  Summ a  \ufb01nansiell a  tillg\u00e5ngar31 dec 2022, mn euro Upplupet  anskaffnings- v\u00e4rde  Obligatoriskt Fr\u00e5n b\u00f6rjan  v\u00e4rderade till  verkligt  v\u00e4rde  (verkligt v\u00e4rde-  optionen) Kassa och tillgodohavanden hos centralbanker 61 815 \u2013 \u2013 \u2013 61 81 5 Utl\u00e5ning till centralbanker  6 879 \u2013 \u2013 885 Utl\u00e5ning till kreditinstitut 2 831 1 742 \u2013 \u2013 4 573 Utl\u00e5ning till allm\u00e4nheten 275 116 70 627 \u2013 \u2013 345 743 R\u00e4nteb\u00e4rande v\u00e4rdepapper 3 660 21 417 8 073 30 374 63 524 Pantsatta \ufb01nansiella instrument \u2013 2 661 120 2 121 4 902 Aktier och andelar \u2013 17 924 \u2013 \u2013 17 924 Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 40 289 666 \u2013 40 955 Derivatinstrument \u2013 36 578 \u2013 \u2013 36 578 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer -2 116 \u2013 \u2013 \u2013 -2 116 \u00d6vriga tillg\u00e5ngar1 2 261 6 360 \u2013 \u2013 8 621 F\u00f6rutbetalda kostnader och upplupna int\u00e4kter 475 \u2013 \u2013 \u2013 47 5 Summa 344 048 198 477 8 859 32 495 583 879 1) Varav st\u00e4llda marginals\u00e4kerheter klassi\ufb01cerade i kategorin Finansiella tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen obligatoriskt 6 046 mn euro . Skulder Finansiella skulder v\u00e4rderade till  verkligt v\u00e4rde via  resultatr\u00e4kningen Summ a  \ufb01nansiell a  skulder31 dec 2022, mn euro Upplupet  anskaffnings- v\u00e4rde  Obligatoriska Fr\u00e5n b\u00f6rjan  v\u00e4rderade till  verkligt  v\u00e4rde  (verkligt v\u00e4rde-  optionen) Skulder till kreditinstitut 22 423 10 446 \u2013 32 869 In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten 210 814 6 650 \u2013 217 464 Inl\u00e5ning i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 \u2013 42 776 42 776 Emitterade v\u00e4rdepapper  128 488 \u2013 51 315 179 803 Derivatinstrument  \u2013 40 102 \u2013 40 102 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer -2 175 \u2013 \u2013 -2 175 \u00d6vriga skulder1 5 225 10 202 \u2013 15 427 Upplupna kostnader och f\u00f6rutbetalda int\u00e4kter 7 \u2013 \u2013 7 Efterst\u00e4llda skulder 5 401 \u2013 \u2013 5 401 Summa 370 183 67 400 94 091 531 674 1)  Varav leasingskulder klassi\ufb01cerade i kategorin Upplupet anskaffningsv\u00e4rde 1 080 mn euro Klassi\ufb01cering av \ufb01nansiella instrument Tillg\u00e5ngar 31 dec 2021, mn euro Finansiella tillg\u00e5ngar v\u00e4rderade  till verkligt v\u00e4rde via  resultatr\u00e4kningen Verkligt  v\u00e4rde via  \u00f6vrigt  total- resultat  Upplupet  anskaffnings- v\u00e4rde  Obligatoriska Fr\u00e5n b\u00f6rjan  v\u00e4rderade till  verkligt  v\u00e4rde  (verkligt  v\u00e4rde-  optionen) Summa  \ufb01nansiella  tillg\u00e5ngar Kassa och tillgodohavanden hos centralbanker 47 495 \u2013 \u2013 \u2013 47 495 Utl\u00e5ning till centralbanker  5 404 \u2013 \u2013 409 Utl\u00e5ning till kreditinstitut 1 791 192 \u2013 \u2013 1 983 Utl\u00e5ning till allm\u00e4nheten 269 874 75 176 \u2013 \u2013 345 050 R\u00e4nteb\u00e4rande v\u00e4rdepapper 3 448 21 880 4 083 33 972 63 383 Pantsatta \ufb01nansiella instrument \u2013 1 668 \u2013 \u2013 1 668 Aktier och andelar \u2013 15 217 \u2013 \u2013 15 217 Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 46 030 280 \u2013 46 310 Derivatinstrument \u2013 30 200 \u2013 \u2013 30 200 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer -65 \u2013 \u2013 \u2013 -65 \u00d6vriga tillg\u00e5ngar1 829 7 265 \u2013 \u2013 8 094 F\u00f6rutbetalda kostnader och upplupna int\u00e4kter 609 \u2013 \u2013 \u2013 609 Summa 323 986 198 032 4 363 33 972 560 353 1) Varav st\u00e4llda marginals\u00e4kerheter klassi\ufb01cerade i kategorin Finansiella tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen obligatoriskt 6 578 mn euro. Skulder1 31 dec 2021, mn euro Finansiella skulder v\u00e4rderade  till verkligt v\u00e4rde via  resultatr\u00e4kningen Upplupet  anskaffnings- v\u00e4rde  Obligatoriska Fr\u00e5n b\u00f6rjan  v\u00e4rderade till  verkligt v\u00e4rde  (verkligt v\u00e4rde  -optionen) Summa  \ufb01nansiella  tillg\u00e5ngar Skulder till kreditinstitut 23 646 3 315 \u2013 26,961 In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten 203 162 2 639 \u2013 205,801 Inl\u00e5ning i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 \u2013 48 201 48,201 Emitterade v\u00e4rdepapper  118 358 \u2013 58 007 176 365 Derivatinstrument  \u2013 31 485 \u2013 31 485 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer 101 \u2013 \u2013 101 \u00d6vriga skulder2 4 307 11 873 \u2013 16 180 Upplupna kostnader och f\u00f6rutbetalda int\u00e4kter 8 \u2013 \u2013 8 Efterst\u00e4llda skulder 6 850 \u2013 \u2013 6 850 Summa 356 432 49 312 106 208 511 952 1)  Skulder till f\u00f6rs\u00e4kringstagare har under 2022 klassi\ufb01cerats som f\u00f6rs\u00e4kringsavtal och ing\u00e5r inte i upplysningarna ovan. J\u00e4mf\u00f6relsesiffrorna har r\u00e4knats om. 2)  Varav leasingskulder klassi\ufb01cerade i kategorin Upplupet anskaffningsv\u00e4rde 1 147 mn euro K3.7 Utl\u00e5ning Redovisningsprinciper L\u00e5n \u00e4r \ufb01nansiella instrument med fasta eller fastst\u00e4llbara  betalningar som inte enkelt kan \u00f6verf\u00f6ras utan g\u00e4lden\u00e4rens  medgivande. L\u00e5n klassi\ufb01ceras och v\u00e4rderas i enlighet med  beskrivningen i not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d. Nedan  f\u00f6ljer Nordeas redovisningsprinciper g\u00e4llande kreditf\u00f6rluster.  Mer information om kreditrisk i utl\u00e5ningen \ufb01nns i not K11  \u201dRisk- och likviditetshantering\u201d. Finansiella instrument som klassi\ufb01cerats i kategorin \u201dUpp- lupet anskaffningsv\u00e4rde\u201d eller \u201dVerkligt v\u00e4rde via \u00f6vrigt total- resultat\u201d omfattas av pr\u00f6vning av nedskrivningsbehov till  f\u00f6ljd av kreditrisk. H\u00e4r ing\u00e5r tillg\u00e5ngar som i balansr\u00e4kningen  redovisats som \u201dUtl\u00e5ning till centralbanker\u201d, \u201dUtl\u00e5ning till kre- ditinstitut\u201d, \u201dUtl\u00e5ning till allm\u00e4nheten\u201d samt \u201dR\u00e4nteb\u00e4rande  v\u00e4rdepapper\u201d. I utl\u00e5ning till allm\u00e4nheten ing\u00e5r \ufb01nansiell lea- sing, som ocks\u00e5 omfattas av pr\u00f6vning av nedskrivningsbehov.  Bland dessa balansposter \ufb01nns \u00e4ven tillg\u00e5ngar som klassi\ufb01- cerats i kategorin \u201dVerkligt v\u00e4rde via resultatr\u00e4kningen\u201d och  som inte omfattas av n\u00e5gon pr\u00f6vning av nedskrivningsbeho- vet. Se \u00e4ven not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d. \u00c4ven \u00e5taganden utanf\u00f6r balansr\u00e4kningen, eventualf\u00f6rplik- telser och kredit\u00e5taganden ska pr\u00f6vas f\u00f6r  nedskrivningsbehov. Redovisning och presentation Tillg\u00e5ngar v\u00e4rderade till upplupet anskaffningsv\u00e4rde redovi- sas brutto, med en separat reservering f\u00f6r f\u00f6rv\u00e4ntade kredit- f\u00f6rluster om f\u00f6rlusten inte betraktas som de\ufb01nitiv. Reserverna  kvittas mot utl\u00e5ningen i balansr\u00e4kningen, men presenteras  separat i denna not. F\u00f6r\u00e4ndringar av reserveringar redovisas i  resultatr\u00e4kningen och klassi\ufb01ceras som \u201dKreditf\u00f6rluster,  netto\u201d. Om nedskrivningen anses vara de\ufb01nitiv redovisas den som  en konstaterad kreditf\u00f6rlust, och det redovisade v\u00e4rdet p\u00e5  l\u00e5net j\u00e4mte tillh\u00f6rande reservering f\u00f6r kreditf\u00f6rluster tas bort  fr\u00e5n balansr\u00e4kningen. En nedskrivning anses vara de\ufb01nitiv  n\u00e4r konkursans\u00f6kan inges mot l\u00e5ntagaren och konkursf\u00f6rval- taren har presenterat den ekonomiska utg\u00e5ngen av konkurs- f\u00f6rfarandet, eller n\u00e4r Nordea eftersk\u00e4nker sina fordringar  genom rekonstruktion p\u00e5 antingen r\u00e4ttslig eller frivillig grund  eller n\u00e4r Nordea av andra sk\u00e4l bed\u00f6mer \u00e5tervinning av for- dran som osannolik. Se \u00e4ven avsnittet \u201dAvskrivningar\u201d nedan. Avs\u00e4ttningar f\u00f6r poster utanf\u00f6r balansr\u00e4kningen klassi\ufb01ce- ras som \u201dAvs\u00e4ttningar\u201d i balansr\u00e4kningen, med f\u00f6r\u00e4ndringar i  avs\u00e4ttningar klassi\ufb01cerade som \u201dKreditf\u00f6rluster, netto\u201d. Tillg\u00e5ngar klassi\ufb01cerade som \u201dVerkligt v\u00e4rde via \u00f6vrigt  totalresultat\u201d redovisas till verkligt v\u00e4rde i balansr\u00e4kningen.  Nedskrivningar ber\u00e4knade i enlighet med IFRS 9 redovisas i  resultatr\u00e4kningen och klassi\ufb01ceras som \u201dKreditf\u00f6rluster,  netto\u201d. Eventuella justeringar till verkligt v\u00e4rde redovisas i  \u201d\u00d6vrigt totalresultat\u201d.  Pr\u00f6vning av nedskrivningsbehov  Nordea klassi\ufb01cerar alla l\u00e5nefordringar i olika kategorier p\u00e5  individuell basis. Kategori 1 inkluderar tillg\u00e5ngar utan bety- dande \u00f6kning av kreditrisken sedan f\u00f6rsta redovisningstillf\u00e4l- let, kategori 2 inkluderar tillg\u00e5ngar med betydande \u00f6kning av  kreditrisken och kategori 3 (os\u00e4kra l\u00e5nefordringar) inkluderar  fallerade tillg\u00e5ngar. Nordea f\u00f6ljer upp om det \ufb01nns indikatio- ner p\u00e5 kreditf\u00f6rs\u00e4mring (kategori 3) genom att identi\ufb01era  h\u00e4ndelser med negativ inverkan p\u00e5 ber\u00e4knade framtida kas- safl\u00f6den (f\u00f6rlusth\u00e4ndelse). Nordea till\u00e4mpar samma de\ufb01ni- tion p\u00e5 fallissemang som i kapitalt\u00e4ckningsf\u00f6rordningen. Mer  information om identi\ufb01ering av f\u00f6rlusth\u00e4ndelser \ufb01nns i not  K11 \u201dRisk- och likviditetshantering\u201d. L\u00e5nefordringar som inte  har individuellt ber\u00e4knade reserver ing\u00e5r i pr\u00f6vningen av  nedskrivningsbehovet baserat p\u00e5 statistiska modeller. F\u00f6r l\u00e5nefordringar med betydande v\u00e4rde d\u00e4r en kredith\u00e4n- delse har identi\ufb01erats, pr\u00f6vas nedskrivningsbehovet p\u00e5 indivi- duell basis. Om l\u00e5nefordringen bed\u00f6ms vara os\u00e4ker g\u00f6rs en  individuell reservering. Det redovisade v\u00e4rdet p\u00e5 l\u00e5nefordring- en j\u00e4mf\u00f6rs med den nuv\u00e4rdesber\u00e4knade summan av f\u00f6rv\u00e4n- tade framtida kassafl\u00f6den. Om det redovisade v\u00e4rdet \u00e4r h\u00f6gre  redovisas skillnaden som en nedskrivningsf\u00f6rlust. De f\u00f6rv\u00e4n- tade kassafl\u00f6dena diskonteras med den ursprungliga effektiva  r\u00e4ntan och innefattar verkligt v\u00e4rde f\u00f6r s\u00e4kerheter och andra  kreditf\u00f6rst\u00e4rkningar. Nuv\u00e4rdesber\u00e4kningen baseras p\u00e5 tre  olika fram\u00e5tblickande scenarier som \u00e4r sannolikhetsviktade. F\u00f6r l\u00e5nefordringar som inte \u00e4r betydande d\u00e4r ett individu- ellt nedskrivningsbehov har identi\ufb01erats, ber\u00e4knas nedskriv- ningsbeloppet utifr\u00e5n den modell som beskrivs nedan, men  med h\u00e4nsyn till att l\u00e5nefordringarna redan \u00e4r fallerade. Nordea anv\u00e4nder sig inte av undantaget \u201dl\u00e5g kreditrisk\u201d i  bankverksamheten, men d\u00e4remot f\u00f6r en mindre portf\u00f6lj av  r\u00e4nteb\u00e4rande v\u00e4rdepapper i f\u00f6rs\u00e4kringsr\u00f6relsen.  Pr\u00f6vning av nedskrivningsbehov f\u00f6r l\u00e5n  v\u00e4rderade enligt statistiska modeller F\u00f6r l\u00e5nefordringar d\u00e4r inget nedskrivningsbehov identi\ufb01era- des i den individuella pr\u00f6vningen anv\u00e4nds en kollektiv modell  f\u00f6r ber\u00e4kning av nedskrivningsbehov. Reserveringarna ber\u00e4k- nas som l\u00e5nefordring vid fallissemang g\u00e5nger sannolikheten  f\u00f6r fallissemang g\u00e5nger f\u00f6rlusten i h\u00e4ndelse av fallissemang.  F\u00f6r tillg\u00e5ngar i kategori 1 baseras ber\u00e4kningen endast p\u00e5 de  kommande 12 m\u00e5naderna, medan den f\u00f6r tillg\u00e5ngar i kate- gori 2 och 3 baseras p\u00e5 tillg\u00e5ngens f\u00f6rv\u00e4ntade l\u00f6ptid. Reserveringar f\u00f6r l\u00e5nefordringar d\u00e4r det inte skett n\u00e5gon  betydande \u00f6kning av kreditrisken sedan f\u00f6rsta redovisnings- tillf\u00e4llet baseras p\u00e5 f\u00f6rv\u00e4ntade kreditf\u00f6rluster under kom- mande 12 m\u00e5nader (kategori 1). Reserveringar f\u00f6r l\u00e5neford- ringar d\u00e4r det har skett en betydande \u00f6kning av kreditrisken  sedan f\u00f6rsta redovisningstillf\u00e4llet, men d\u00e4r ingen nedskriv- ning har gjorts, baseras p\u00e5 f\u00f6rv\u00e4ntade kreditf\u00f6rluster under  hela den \u00e5terst\u00e5ende l\u00f6ptiden (kategori 2). Detta g\u00e4ller \u00e4ven  f\u00f6r os\u00e4kra fordringar som inte \u00e4r betydande i kategori 3. Nordea anv\u00e4nder tv\u00e5 olika modeller f\u00f6r att fastst\u00e4lla om det  har skett en betydande \u00f6kning av kreditrisken eller inte. F\u00f6r  tillg\u00e5ngar som innehades vid \u00f6verg\u00e5ngen till IFRS 9 den  1 januari 2018 anv\u00e4nds f\u00f6r\u00e4ndringen i interna rating- och sco- ringuppgifter f\u00f6r att fastst\u00e4lla om det skett en betydande  \u00f6kning av kreditrisken eller inte. Interna rating-/scoringuppgif- ter anv\u00e4nds f\u00f6r att bed\u00f6ma risken hos kunderna, och en f\u00f6r- s\u00e4mrad rating/scoring f\u00f6r en kund tyder p\u00e5 att kreditrisken har  \u00f6kat. Nordea har dragit slutsatsen att det inte \u00e4r m\u00f6jligt att vid  kreditgivningen ber\u00e4kna sannolikheten f\u00f6r fallissemang (PD)  f\u00f6r den \u00e5terst\u00e5ende l\u00f6ptiden utan bed\u00f6mningar i efterhand av  tillg\u00e5ngar som redan redovisas i balansr\u00e4kningen vid \u00f6ver- g\u00e5ngen. F\u00f6r\u00e4ndringar i PD f\u00f6r den \u00e5terst\u00e5ende l\u00f6ptiden  anv\u00e4nds som utl\u00f6sande faktor f\u00f6r tillg\u00e5ngar redovisade efter  \u00f6verg\u00e5ngen F\u00f6r tillg\u00e5ngar som bed\u00f6ms utifr\u00e5n PD f\u00f6r den \u00e5terst\u00e5ende  l\u00f6ptiden anv\u00e4nder Nordea en blandning av absoluta och rela- tiva f\u00f6r\u00e4ndringar i PD som kriterium f\u00f6r \u00f6verf\u00f6ringen.  \u2022  Retail-kunder med ett ursprungligt tolvm\u00e5naders PD under  1 procent: L\u00e5nefordringar med en relativ \u00f6kning i PD f\u00f6r den  \u00e5terst\u00e5ende l\u00f6ptiden p\u00e5 \u00f6ver 100 procent och en absolut  \u00f6kning av tolvm\u00e5naders PD p\u00e5 \u00f6ver 45 punkter \u00f6verf\u00f6rs till  kategori 2.  \u2022  Retail-kunder med ett ursprungligt tolvm\u00e5naders PD \u00f6ver  eller lika med 1 procent: L\u00e5nefordringar med en relativ  \u00f6kning i PD f\u00f6r den \u00e5terst\u00e5ende l\u00f6ptiden p\u00e5 \u00f6ver 100 pro- cent eller en absolut \u00f6kning av tolvm\u00e5naders PD p\u00e5 \u00f6ver  300 punkter \u00f6verf\u00f6rs till kategori 2.  \u2022  F\u00f6retags- och institutionella kunder med ett ursprungligt  tolvm\u00e5naders PD under 0,5 procent: L\u00e5nefordringar med en  relativ \u00f6kning i PD f\u00f6r den \u00e5terst\u00e5ende l\u00f6ptiden p\u00e5 \u00f6ver  150 procent och en absolut \u00f6kning av tolvm\u00e5naders PD p\u00e5  \u00f6ver 20 punkter \u00f6verf\u00f6rs till kategori 2.  \u2022  F\u00f6retags- och institutionella kunder med ett ursprungligt  tolvm\u00e5naders PD p\u00e5 \u00f6ver eller lika med 0,5 procent: L\u00e5nefor- dringar med en relativ \u00f6kning i PD f\u00f6r den \u00e5terst\u00e5ende l\u00f6p- tiden p\u00e5 \u00f6ver 150 procent eller en absolut \u00f6kning av  tolvm\u00e5naders PD p\u00e5 \u00f6ver 400 punkter \u00f6verf\u00f6rs till kategori 2. F\u00f6r tillg\u00e5ngar d\u00e4r rating- och scoringmodeller anv\u00e4nds, kali- breras rating-/scoringf\u00f6r\u00e4ndringen f\u00f6r att matcha den bety- dande \u00f6kningen av kreditrisken utifr\u00e5n PD f\u00f6r den \u00e5terst\u00e5- ende l\u00f6ptiden. Dessutom \u00f6verf\u00f6rs kunder som omfattas av  f\u00f6rmildrande kreditvillkor och kunder som \u00e4r mer \u00e4n 30 dagar  sena med sina betalningar till kategori 2, s\u00e5vida inte ett ned- skrivningsbehov redan har identi\ufb01erats (kategori 3). L\u00e5ne- fordringar som omfattas av f\u00f6rmildrande kreditvillkor kvar- st\u00e5r i kategori 2 under en pr\u00f6votid p\u00e5 24 m\u00e5nader, fr\u00e5n och  med den tidpunkt d\u00e5 \u00e5tg\u00e4rderna inf\u00f6rdes. N\u00e4r l\u00e5nefordring- arna efter pr\u00f6votidens slut \u00e5terf\u00f6rs till kategori 1 hanteras de  p\u00e5 samma s\u00e4tt som andra l\u00e5nefordringar i kategori 1 i fr\u00e5ga  om bed\u00f6mningen av om det f\u00f6religger en v\u00e4sentlig \u00f6kning av  kreditrisken. L\u00e5nefordringar d\u00e4r kunderna \u00e4r mer \u00e4n 90 dagar  sena med sina betalningar klassi\ufb01ceras normalt i kategori 3,  men denna klassi\ufb01cering \u00e4ndras om det \ufb01nns bevis f\u00f6r att  kunden inte har fallerat. S\u00e5dana l\u00e5nefordringar klassi\ufb01ceras i  kategori 2. L\u00e5nefordringar med \u201dh\u00f6g risk\u201d, det vill s\u00e4ga med  en rating p\u00e5 2 eller l\u00e4gre, \u00f6verf\u00f6rs ocks\u00e5 till kategori 2.  Vid ber\u00e4kningen av reserveringar, inklusive kategoriindel- ningen, anv\u00e4nds b\u00e5de historisk information och sannolikhets- viktad, fram\u00e5tblickande information. Nordea anv\u00e4nder tre  makroekonomiska scenarier f\u00f6r att ta h\u00e4nsyn till de icke-linj\u00e4- ra aspekterna av f\u00f6rv\u00e4ntade kreditf\u00f6rluster. De olika scenari- erna anv\u00e4nds f\u00f6r att justera de aktuella parametrarna f\u00f6r  ber\u00e4kning av f\u00f6rv\u00e4ntade kreditf\u00f6rluster, och ett sannolikhets- viktat genomsnitt av de f\u00f6rv\u00e4ntade f\u00f6rlusterna enligt respek- tive scenario redovisas som reserveringar. Modellen anv\u00e4nder  sig av data som samlats in f\u00f6re balansdagen, vilket inneb\u00e4r  att Nordea m\u00e5ste identi\ufb01era h\u00e4ndelser som skulle kunna  p\u00e5verka reserveringarna efter datainsamlingen. Ledningen  utv\u00e4rderar dessa h\u00e4ndelser och justerar reserveringarna, om  detta bed\u00f6ms n\u00f6dv\u00e4ndigt. Bortskrivningar Bortskrivningar inneb\u00e4r att l\u00e5n eller kundfordringar avf\u00f6rs  fr\u00e5n balansr\u00e4kningen samtidigt som motsvarande kreditf\u00f6r- lustreservering realiseras. N\u00e4r fordringar bed\u00f6ms vara om\u00f6j- liga att driva in ska de snarast m\u00f6jligt bortskrivas, oavsett om  det r\u00e4ttsliga anspr\u00e5ket kvarst\u00e5r eller inte. En bortskrivning  kan g\u00f6ras innan eventuella r\u00e4ttsliga \u00e5tg\u00e4rder mot l\u00e5ntagaren, f\u00f6r att \u00e5tervinna skulden, har slutf\u00f6rts. \u00c4ven om en fordran  som inte kan drivas in bortskrivs eller avf\u00f6rs fr\u00e5n balansr\u00e4k- ningen har kunden en r\u00e4ttslig skyldighet att betala den ute- st\u00e5ende skulden. Vid bed\u00f6mningen av huruvida os\u00e4kra l\u00e5ne- fordringar kan \u00e5tervinnas och om bortskrivning kr\u00e4vs, \u00e4r det  framf\u00f6r allt l\u00e5nefordringar med f\u00f6ljande egenskaper som st\u00e5r  i fokus (listan \u00e4r inte utt\u00f6mmande): \u2022  L\u00e5nefordringar d\u00e4r kunderna \u00e4r mer \u00e4n 90 dagar sena med  betalningen. Om en l\u00e5nefordring, eller del av den, efter den  h\u00e4r bed\u00f6mningen anses vara om\u00f6jlig att driva in, bortskrivs  den. \u2022  L\u00e5nefordringar som omfattas av insolvensf\u00f6rfarande och  har l\u00e5g s\u00e4kerhetst\u00e4ckning. \u2022  L\u00e5nefordringar d\u00e4r juridiska kostnader f\u00f6rv\u00e4ntas f\u00f6rbruka  beh\u00e5llningen fr\u00e5n konkursf\u00f6rfarandet, med l\u00e5ga \u00e5tervin- ningsv\u00e4rden som f\u00f6ljd. \u2022  Delbortskrivning kan vara befogad n\u00e4r det \ufb01nns rimliga  ekonomiska bel\u00e4gg f\u00f6r att l\u00e5ntagaren inte kan \u00e5terbetala  hela beloppet, det vill s\u00e4ga en avsev\u00e4rd del av skulden kan  inte p\u00e5 rimliga grunder s\u00e4gas vara \u00e5tervinningsbar genom  f\u00f6rmildrande kreditvillkor eller realisering av s\u00e4kerheter. \u2022  Rekonstruktionsfall. Diskonteringsr\u00e4nta Diskonteringsr\u00e4ntan som anv\u00e4nds f\u00f6r v\u00e4rdering av os\u00e4kra  l\u00e5nefordringar motsvarar den ursprungliga effektiva r\u00e4ntan  f\u00f6r l\u00e5n h\u00e4nf\u00f6rliga till en enskild kund eller, i f\u00f6rekommande  fall, till en grupp av l\u00e5nefordringar. Om s\u00e5 anses l\u00e4mpligt kan  diskonteringsr\u00e4ntan ber\u00e4knas med en metod som resulterar i  en nedskrivning som utg\u00f6r en rimlig uppskattning av vad en  ber\u00e4kning grundad p\u00e5 effektivr\u00e4ntemetoden skulle ge. Omstrukturerade l\u00e5nefordringar och modi\ufb01eringar Med en omstrukturerad l\u00e5nefordran avses i detta samman- hang en l\u00e5nefordran d\u00e4r Nordea har beviljat l\u00e5ntagaren efter- gifter till f\u00f6ljd av dennes ekonomiska sv\u00e5righeter och d\u00e4r  s\u00e5dana eftergifter har gett upphov till en kreditf\u00f6rlust f\u00f6r  Nordea. Efter en omstrukturering betraktas l\u00e5nefordran vanli- gen inte l\u00e4ngre som os\u00e4ker om \u00e5tagandena fullf\u00f6ljs i enlighet  med de nya villkoren. I det fall en \u00e5tervinning sker redovisas  betalningen som en \u00e5tervinning av kreditf\u00f6rluster.  Modi\ufb01ering av de avtalsenliga kassafl\u00f6dena f\u00f6r l\u00e5n till kunder  med ekonomiska sv\u00e5righeter (f\u00f6rmildrande kreditvillkor) mins- kar det redovisade l\u00e5nebeloppet, brutto. Normalt \u00e4r denna  minskning mindre \u00e4n den be\ufb01ntliga reserveringen, och ingen  f\u00f6rlust redovisas i resultatr\u00e4kningen till f\u00f6ljd av modi\ufb01ering. Om  de \u00e4r betydande, minskas bruttobeloppen (l\u00e5n och reservering).  Tillg\u00e5ngar \u00f6vertagna f\u00f6r skyddande av fordran I en \ufb01nansiell omstrukturering kan l\u00e5ngivaren komma att  avst\u00e5 fr\u00e5n l\u00e5nefordringar till f\u00f6rm\u00e5n f\u00f6r l\u00e5ntagaren och i utby- te mot denna eftergift ta \u00f6ver tillg\u00e5ngar som l\u00e4mnats som  s\u00e4kerhet f\u00f6r l\u00e5nen, aktier som emitterats av l\u00e5ntagaren eller  andra tillg\u00e5ngar. En tillg\u00e5ng \u00f6vertagen f\u00f6r skyddande av for- dran redovisas i balansr\u00e4kningen tillsammans med liknande  tillg\u00e5ngar som redan innehas av Nordea. En \u00f6vertagen fastig- het som inte innehas f\u00f6r eget utnyttjande redovisas till exem- pel tillsammans med andra f\u00f6rvaltningsfastigheter. Alla tillg\u00e5ngar som \u00f6vertagits f\u00f6r skyddande av fordran  redovisas vid f\u00f6rsta redovisningstillf\u00e4llet till verkligt v\u00e4rde och  eventuell skillnad mellan l\u00e5nets redovisade v\u00e4rde och det  verkliga v\u00e4rdet p\u00e5 den \u00f6vertagna tillg\u00e5ngen redovisas under  posten \u201dKreditf\u00f6rluster, netto\u201d. Det verkliga v\u00e4rdet p\u00e5 redovis- ningsdagen blir tillg\u00e5ngens anskaffningsv\u00e4rde eller upplupna  anskaffningsv\u00e4rde, beroende p\u00e5 vad som \u00e4r till\u00e4mpligt. Under efterf\u00f6ljande perioder v\u00e4rderas tillg\u00e5ngar som \u00f6vertagits f\u00f6r skyddande av fordran i enlighet med g\u00e4llande v\u00e4rderings- principer f\u00f6r tillg\u00e5ngsslaget. F\u00f6rvaltningsfastigheter v\u00e4rderas d\u00e5 till verkligt v\u00e4rde. \u00d6vertagna \ufb01nansiella tillg\u00e5ngar klassi\ufb01- ceras generellt i kategorin \u201dVerkligt v\u00e4rde via resultatr\u00e4kning- en\u201d och v\u00e4rderas till verkligt v\u00e4rde. F\u00f6r\u00e4ndringar i verkligt v\u00e4rde redovisas i resultatr\u00e4kningen under posten \u201dNettoresul- tat av poster till verkligt v\u00e4rde\u201d. Eventuella v\u00e4rdef\u00f6r\u00e4ndringar efter den \u00f6vertagna tillg\u00e5ng- ens f\u00f6rsta redovisningstillf\u00e4lle, redovisas i resultatr\u00e4kningen i enlighet med koncernens principer f\u00f6r presentation av till- g\u00e5ngsslaget. Posten \u201dKreditf\u00f6rluster, netto\u201d i resultatr\u00e4kning- en p\u00e5verkas f\u00f6ljaktligen inte av nya v\u00e4rderingar av den \u00f6ver- tagna tillg\u00e5ngen efter f\u00f6rsta redovisningstillf\u00e4llet. Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar Ledningen m\u00e5ste g\u00f6ra kritiska bed\u00f6mningar och uppskatt- ningar vid ber\u00e4kningen av reserveringar f\u00f6r os\u00e4kra l\u00e5neford- ringar. Nordeas samlade utl\u00e5ning, f\u00f6re reserveringar f\u00f6r os\u00e4k- ra l\u00e5nefordringar, uppgick till 352 874 mn euro (349 648 mn euro) vid \u00e5rets slut. F\u00f6r att ber\u00e4kna reserver f\u00f6r individuellt betydande os\u00e4kra fordringar g\u00f6rs bed\u00f6mningar f\u00f6r att uppskatta beloppet och tidpunkten f\u00f6r de f\u00f6rv\u00e4ntade kassafl\u00f6dena fr\u00e5n kunderna enligt olika scenarier, inklusive v\u00e4rdering av eventuella s\u00e4ker- heter som erh\u00e5llits. Bed\u00f6mningar g\u00f6rs ocks\u00e5 f\u00f6r att komma fram till sannolikheten f\u00f6r att de olika scenarierna intr\u00e4ffar. Bed\u00f6mningar g\u00f6rs f\u00f6r att v\u00e4rdera n\u00e4r en exponering har resulterat i en betydande \u00f6kning av kreditrisken. N\u00e4r s\u00e5 \u00e4r fallet ska reserveringen spegla f\u00f6rv\u00e4ntade kreditf\u00f6rluster under den \u00e5terst\u00e5ende l\u00f6ptiden, till skillnad fr\u00e5n exponeringar vars kredi- trisk inte har \u00f6kat markant d\u00e4r reserveringen avser f\u00f6rv\u00e4ntade kreditf\u00f6rluster under de kommande 12 m\u00e5naderna. Bed\u00f6mning- ar g\u00f6rs ocks\u00e5 vid valet av modeller som anv\u00e4nder andra para- metrar vid ber\u00e4kning av f\u00f6rv\u00e4ntade kreditf\u00f6rluster, till exempel den f\u00f6rv\u00e4ntade l\u00f6ptiden som anv\u00e4nds i kategori 2, samt vid bed\u00f6mningen av huruvida parametrarna som anv\u00e4nder histo- riska data \u00e4r relevanta f\u00f6r uppskattning av framtida f\u00f6rluster. De statistiska modeller som anv\u00e4nds f\u00f6r att ber\u00e4kna reser- veringarna baseras p\u00e5 makroekonomiska scenarier, vilket kr\u00e4- ver att ledningen g\u00f6r bed\u00f6mningar n\u00e4r de tar fram s\u00e5dana scenarier och anger sannolikheten f\u00f6r att de olika scenarierna intr\u00e4ffar. Bed\u00f6mningar g\u00f6rs ocks\u00e5 f\u00f6r att komma fram till i vil- ken utstr\u00e4ckning parametrarna f\u00f6r de olika scenarierna, som baserats p\u00e5 historiska data, \u00e4r relevanta f\u00f6r uppskattning av framtida f\u00f6rluster. Justeringar g\u00f6rs av de modellber\u00e4knade avs\u00e4ttningarna om de historiska uppgifterna inte i tillr\u00e4cklig utstr\u00e4ckning speglar ledningens syn p\u00e5 de f\u00f6rv\u00e4ntade kredit- f\u00f6rlusterna. Uppskattningen av modelljusteringar i efterhand kr\u00e4ver att ledningen g\u00f6r kritiska bed\u00f6mningar. F\u00f6r information om kritiska bed\u00f6mningar vid uppr\u00e4ttandet av denna \u00e5rsredovisningen till f\u00f6ljd av os\u00e4kerhet kring hur h\u00f6gre energi- och r\u00e5varupriser och l\u00e4gre privatkonsumtion i olika sektorer p\u00e5 l\u00e5ng sikt kan komma att p\u00e5verka Nordeas redovisning, se not K1 \u201dRedovisningsprinciper\u201d. Utl\u00e5ning och os\u00e4kra l\u00e5nefordringar Mn euro 31 dec 2022 31 dec 2021 Utl\u00e5ning v\u00e4rderad till verkligt v\u00e4rde 73 248 75 772 Utl\u00e5ning v\u00e4rderad till upplupet anskaffningsv\u00e4rde som inte \u00e4r os\u00e4kra (kategori 1 och 2) 277 371 270 364 Os\u00e4kra l\u00e5nefordringar (kategori 3) 2 255 3 512 - varav reglerade 1 111 1 642 - varav oreglerade 1 144 1 870 Utl\u00e5ning f\u00f6re reserver 352 874 349 648 - varav centralbanker och kreditinstitut 5 487 2 395 Reserver f\u00f6r individuellt v\u00e4rderade l\u00e5nefordringar (kategori 3) -1 045 -1 610 - varav reglerade -556 -800 - varav oreglerade -489 -810 Reserver f\u00f6r gruppvisa v\u00e4rderade l\u00e5nefordringar (kategori 1 och 2) -628 -596 Reserver -1 673 -2 206 - varav centralbanker och kreditinstitut -29 -3 Utl\u00e5ning, redovisat v\u00e4rde 351 201 347 442 Nordea har l\u00e5nat ut 159 md euro (170 md euro) i hypoteksl\u00e5n. Inga krediter till f\u00f6rmedlare eller offentlig sektor har beviljats. Redovisat v\u00e4rde f\u00f6r l\u00e5n v\u00e4rderade till upplupet anskaffningsv\u00e4rde, f\u00f6re reserver Centralbanker och kreditinstitut Allm\u00e4nheten Summa Mn euro Kategori 1 Kategori 2 Kategori 3 Summa Kategori 1 Kategori 2 Kategori 3 Summa Kategori 1 Kategori 2 Kategori 3 Summa Ing\u00e5ende balans  per 1 jan 2022 1 785 14 0 1 799 255 832 12 733 3 512 272 077 257 617 12 747 3 512 273 876 Nya eller f\u00f6rv\u00e4rvade  l\u00e5nefordringar 3 442 1 \u2013 3 443 87 051 536 81 87 668 90 493 537 81 91 111 \u00d6verf\u00f6ringar mellan  kategori 1 och 2,  netto 5 -5 \u2013 \u2013 -950 950 \u2013 \u2013 -945 945 \u2013 \u2013 \u00d6verf\u00f6ringar mellan  kategori 2 och 3,  netto \u2013 0 0 \u2013 \u2013 -147 147 \u2013 \u2013 -147 147 \u2013 \u00d6verf\u00f6ringar mellan  kategori 1 och 3,  netto -18 \u2013 18 \u2013 -238 \u2013 238 \u2013 -256 \u2013 256 \u2013 \u00c5terbetalda eller  borttagna l\u00e5ne- fordringar -3 562 -4 0 -3 566 -58 471 -2 235 -612 -61 318 -62 033 -2 239 -612 -64 884 Bortskrivna  l\u00e5nefordringar \u2013 \u2013 -5 -5 \u2013 \u2013 -701 -701 \u2013 \u2013 -706 -706 \u00d6vriga f\u00f6r\u00e4ndringar 1 579 1 0 580 -13 812 1 199 -383 -12 996 -13 233 1 200 -383 -12 416 Valutakurs-  differenser 614 0 0 614 -7 672 -257 -40 -7 969 -7 058 -257 -40 -7 355 Utg\u00e5ende balans  per 31 dec 2022 2 845 7 13 2 865 261 740 12 779 2 242 276 761 264 585 12 786 2 255 279 626 1)  \u00d6vriga f\u00f6r\u00e4ndringar avser fr\u00e4mst f\u00f6r\u00e4ndrat utnyttjande av kreditramar som beviljats tidigare \u00e5r. Centralbanker och kreditinstitut Allm\u00e4nheten Summa Mn euro Kategori 1 Kategori 2 Kategori 3 Summa Kategori 1 Kategori 2 Kategori 3 Summa Kategori 1 Kategori 2 Kategori 3 Summa Ing\u00e5ende balans  per 1 jan 2021 4 351 58 0 4 409  241 672 13 782  3 979  259 433 246 023 13 840 3 979  263 842 Nya eller f\u00f6rv\u00e4rvade  l\u00e5nefordringar 377 0 \u2013 377 68 158 1 326 83 69 567 68 535 1 326 83 69 944 \u00d6verf\u00f6ringar mellan  kategori 1 och 2,  netto 0 0 \u2013 \u2013 -341 341 \u2013 \u2013 -341 341 \u2013 \u2013 \u00d6verf\u00f6ringar mellan  kategori 2 och 3,  netto \u2013 \u2013 \u2013 \u2013 \u2013  -266 266 \u2013 \u2013 -266 266 \u2013 \u00d6verf\u00f6ringar mellan  kategori 1 och 3,  netto \u2013 \u2013 \u2013 \u2013 -152 \u2013 152 \u2013 -152 \u2013 152 \u2013 \u00c5terbetalda eller  borttagna l\u00e5ne- fordringar -1 231 -50  -2  -1 283  -63 728 -2 669 -443 -66 840 -64 959 -2 719 -445 -68 123 Bortskrivna  l\u00e5nefordringar \u2013 \u2013 \u2013 \u2013 \u2013  \u2013  -490 -490 \u2013 \u2013 -490 -490 \u00d6vriga f\u00f6r\u00e4ndringar 1 -1 601 6 2  -1 593 9 854 165 -85 9 934 8 253 171 -83 8 341 Valutakurs-  differenser -111  0 \u2013 -111 369 53 50 473 258 54 50 362 Utg\u00e5ende balans  per 31 dec 2021 1 785  14  0 1 799  255 832 12 733 3 512 272 077 257 617 12 747 3 512 273 876 1)  \u00d6vriga f\u00f6r\u00e4ndringar avser fr\u00e4mst \u00f6kat utnyttjande av kreditramar som beviljats tidigare \u00e5r Centralbanker och kreditinstitut Allm\u00e4nheten Summa Mn euro Kategori 1 Kategori 2 Kategori 3 Summa Kategori 1 Kategori 2 Kategori 3 Summa Kategori 1 Kategori 2 Kategori 3 Summa Ing\u00e5ende balans per 1 jan 2021 -3 -1  0 -4 -281 -489 -1 674 -2 444 -284 -490 -1 674 -2 448 Nya eller f\u00f6rv\u00e4rvade l\u00e5nefordringar -2 0 \u2013 -2 -51 -22 -8 -81 -53 -22 -8 -83 \u00d6verf\u00f6ringar fr\u00e5n kategori 1 till kategori 2 0 0 \u2013 0 9 -108 \u2013 -99 9 -108 \u2013 -99 \u00d6verf\u00f6ringar fr\u00e5n kategori 1 till kategori 3 0 \u2013 \u2013 0 1 \u2013 -33 -32 1 \u2013 -33 -32 \u00d6verf\u00f6ringar fr\u00e5n kategori 2 till kategori 1 0 0 \u2013 0 -3 100 \u2013 97 -3 100 \u2013 97 \u00d6verf\u00f6ringar fr\u00e5n kategori 2 till kategori 3 \u2013 \u2013 \u2013 \u2013 \u2013 28 -152 -124 \u2013 28 -152 -124 \u00d6verf\u00f6ringar fr\u00e5n kategori 3 till kategori 1 \u2013 \u2013 \u2013 \u2013 -1 \u2013 22 21 -1 \u2013 22 21 \u00d6verf\u00f6ringar fr\u00e5n kategori 3 till kategori 2 \u2013 \u2013 \u2013 \u2013 \u2013 -1 38 37 \u2013 -1 38 37 F\u00f6r\u00e4ndringar i kredit- risk utan \u00f6verf\u00f6ringar mellan kategorier 0 0 0 0 97 22 -125 -6 97 22 -125 -6 \u00c5terbetalda eller s\u00e5lda l\u00e5nefordringar 2 1 \u2013 3  37 72 89 198 39 73 89 201 Bortskrivna l\u00e5ne- fordringar med minskning av reserver \u2013 \u2013 \u2013 \u2013 \u2013 \u2013 260 260 \u2013 \u2013 260 260 Valutakursdifferenser 0 0 \u2013 0 -2 -1 -27 -30 -2 -1 -27 -30 Utg\u00e5ende balans per 31 dec 2021 -3 0 0 -3 -194 -399 -1 610 -2 203 -197 -399 -1 610 -2 206 Tabellerna visar f\u00f6r\u00e4ndringar i exponering/reserver f\u00f6r varje kategori under \u00e5ret. Om en exponering \u00f6verf\u00f6rs fr\u00e5n kategori 1 till kategori 2, g\u00f6rs en \u00e5terf\u00f6ring i kategori 1 och en \u00f6kning i kategori 2. F\u00f6r\u00e4ndring av reserver f\u00f6r l\u00e5n v\u00e4rderade till upplupet anskaffningsv\u00e4rde Centralbanker och kreditinstitut Allm\u00e4nheten Summa Mn euro Kategori 1 Kategori 2 Kategori 3 Summa Kategori 1 Kategori 2 Kategori 3 Summa Kategori 1 Kategori 2 Kategori 3 Summa Ing\u00e5ende balans per 1 jan 2022 -3 0 0 -3 -194 -399 -1 610 -2 203 -197 -399 -1 610 -2 206 Nya eller f\u00f6rv\u00e4rvade l\u00e5nefordringar -2 0 0 -2 -69 -30 -8 -107 -71 -30 -8 -109 \u00d6verf\u00f6ringar fr\u00e5n kategori 1 till kategori 2 0 0 \u2013 0 4 -97 \u2013 -93 4 -97 \u2013 -93 \u00d6verf\u00f6ringar fr\u00e5n kategori 1 till kategori 3 0 \u2013 -5 -5 1 \u2013 -60 -59 1 \u2013 -65 -64 \u00d6verf\u00f6ringar fr\u00e5n kategori 2 till kategori 1 0 0 \u2013 0 -5 76 \u2013 71 -5 76 \u2013 71 \u00d6verf\u00f6ringar fr\u00e5n kategori 2 till kategori 3 \u2013 0 0 0 \u2013 10 -89 -79 \u2013 10 -89 -79 \u00d6verf\u00f6ringar fr\u00e5n kategori 3 till kategori 1 \u2013 \u2013 \u2013 \u2013 0 \u2013 27 27 0 \u2013 27 27 \u00d6verf\u00f6ringar fr\u00e5n kategori 3 till kategori 2 \u2013 \u2013 \u2013 \u2013 \u2013 -6 29 23 \u2013 -6 29 23 F\u00f6r\u00e4ndringar i kredit- risk utan \u00f6verf\u00f6ringar mellan kategorier 0 0 -20 -20 -3 -46 -18 -67 -3 -46 -38 -87 \u00c5terbetalda eller s\u00e5lda l\u00e5nefordringar 1 0 0 1 45 80 176 301 46 80 176 302 Bortskrivna l\u00e5ne-fordringar med minskning av reserver \u2013 \u2013 \u2013 \u2013 \u2013 \u2013 509 509 \u2013 \u2013 509 509 Valutakursdifferenser 0 0 0 0 5 4 24 33 5 4 24 33 Utg\u00e5ende balans per 31 dec 2022 -4 \u2013 -25 -29 -216 -408 -1 020 -1 644 -220 -408 -1 045 -1 673 ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLoansAndAdvancesToBanksExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-617": {
   "value": "Klassi\ufb01cering av \ufb01nansiella instrument Tillg\u00e5ngar Finansiella tillg\u00e5ngar v\u00e4rderade  till verkligt v\u00e4rde via  resultatr\u00e4kningen Verkligt  v\u00e4rde via  \u00f6vrigt  total- resultat  Summ a  \ufb01nansiell a  tillg\u00e5ngar31 dec 2022, mn euro Upplupet  anskaffnings- v\u00e4rde  Obligatoriskt Fr\u00e5n b\u00f6rjan  v\u00e4rderade till  verkligt  v\u00e4rde  (verkligt v\u00e4rde-  optionen) Kassa och tillgodohavanden hos centralbanker 61 815 \u2013 \u2013 \u2013 61 81 5 Utl\u00e5ning till centralbanker  6 879 \u2013 \u2013 885 Utl\u00e5ning till kreditinstitut 2 831 1 742 \u2013 \u2013 4 573 Utl\u00e5ning till allm\u00e4nheten 275 116 70 627 \u2013 \u2013 345 743 R\u00e4nteb\u00e4rande v\u00e4rdepapper 3 660 21 417 8 073 30 374 63 524 Pantsatta \ufb01nansiella instrument \u2013 2 661 120 2 121 4 902 Aktier och andelar \u2013 17 924 \u2013 \u2013 17 924 Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 40 289 666 \u2013 40 955 Derivatinstrument \u2013 36 578 \u2013 \u2013 36 578 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer -2 116 \u2013 \u2013 \u2013 -2 116 \u00d6vriga tillg\u00e5ngar1 2 261 6 360 \u2013 \u2013 8 621 F\u00f6rutbetalda kostnader och upplupna int\u00e4kter 475 \u2013 \u2013 \u2013 47 5 Summa 344 048 198 477 8 859 32 495 583 879 1) Varav st\u00e4llda marginals\u00e4kerheter klassi\ufb01cerade i kategorin Finansiella tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen obligatoriskt 6 046 mn euro Klassi\ufb01cering av \ufb01nansiella instrument Tillg\u00e5ngar 31 dec 2021, mn euro Finansiella tillg\u00e5ngar v\u00e4rderade  till verkligt v\u00e4rde via  resultatr\u00e4kningen Verkligt  v\u00e4rde via  \u00f6vrigt  total- resultat  Upplupet  anskaffnings- v\u00e4rde  Obligatoriska Fr\u00e5n b\u00f6rjan  v\u00e4rderade till  verkligt  v\u00e4rde  (verkligt  v\u00e4rde-  optionen) Summa  \ufb01nansiella  tillg\u00e5ngar Kassa och tillgodohavanden hos centralbanker 47 495 \u2013 \u2013 \u2013 47 495 Utl\u00e5ning till centralbanker  5 404 \u2013 \u2013 409 Utl\u00e5ning till kreditinstitut 1 791 192 \u2013 \u2013 1 983 Utl\u00e5ning till allm\u00e4nheten 269 874 75 176 \u2013 \u2013 345 050 R\u00e4nteb\u00e4rande v\u00e4rdepapper 3 448 21 880 4 083 33 972 63 383 Pantsatta \ufb01nansiella instrument \u2013 1 668 \u2013 \u2013 1 668 Aktier och andelar \u2013 15 217 \u2013 \u2013 15 217 Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 46 030 280 \u2013 46 310 Derivatinstrument \u2013 30 200 \u2013 \u2013 30 200 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer -65 \u2013 \u2013 \u2013 -65 \u00d6vriga tillg\u00e5ngar1 829 7 265 \u2013 \u2013 8 094 F\u00f6rutbetalda kostnader och upplupna int\u00e4kter 609 \u2013 \u2013 \u2013 609 Summa 323 986 198 032 4 363 33 972 560 353 1) Varav st\u00e4llda marginals\u00e4kerheter klassi\ufb01cerade i kategorin Finansiella tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen obligatoriskt 6 578 mn euro. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPrepaymentsAndOtherAssetsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-618": {
   "value": "Klassi\ufb01cering av \ufb01nansiella instrument Tillg\u00e5ngar Finansiella tillg\u00e5ngar v\u00e4rderade  till verkligt v\u00e4rde via  resultatr\u00e4kningen Verkligt  v\u00e4rde via  \u00f6vrigt  total- resultat  Summ a  \ufb01nansiell a  tillg\u00e5ngar31 dec 2022, mn euro Upplupet  anskaffnings- v\u00e4rde  Obligatoriskt Fr\u00e5n b\u00f6rjan  v\u00e4rderade till  verkligt  v\u00e4rde  (verkligt v\u00e4rde-  optionen) Kassa och tillgodohavanden hos centralbanker 61 815 \u2013 \u2013 \u2013 61 81 5 Utl\u00e5ning till centralbanker  6 879 \u2013 \u2013 885 Utl\u00e5ning till kreditinstitut 2 831 1 742 \u2013 \u2013 4 573 Utl\u00e5ning till allm\u00e4nheten 275 116 70 627 \u2013 \u2013 345 743 R\u00e4nteb\u00e4rande v\u00e4rdepapper 3 660 21 417 8 073 30 374 63 524 Pantsatta \ufb01nansiella instrument \u2013 2 661 120 2 121 4 902 Aktier och andelar \u2013 17 924 \u2013 \u2013 17 924 Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 40 289 666 \u2013 40 955 Derivatinstrument \u2013 36 578 \u2013 \u2013 36 578 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer -2 116 \u2013 \u2013 \u2013 -2 116 \u00d6vriga tillg\u00e5ngar1 2 261 6 360 \u2013 \u2013 8 621 F\u00f6rutbetalda kostnader och upplupna int\u00e4kter 475 \u2013 \u2013 \u2013 47 5 Summa 344 048 198 477 8 859 32 495 583 879 1) Varav st\u00e4llda marginals\u00e4kerheter klassi\ufb01cerade i kategorin Finansiella tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen obligatoriskt 6 046 mn euro Klassi\ufb01cering av \ufb01nansiella instrument Tillg\u00e5ngar 31 dec 2021, mn euro Finansiella tillg\u00e5ngar v\u00e4rderade  till verkligt v\u00e4rde via  resultatr\u00e4kningen Verkligt  v\u00e4rde via  \u00f6vrigt  total- resultat  Upplupet  anskaffnings- v\u00e4rde  Obligatoriska Fr\u00e5n b\u00f6rjan  v\u00e4rderade till  verkligt  v\u00e4rde  (verkligt  v\u00e4rde-  optionen) Summa  \ufb01nansiella  tillg\u00e5ngar Kassa och tillgodohavanden hos centralbanker 47 495 \u2013 \u2013 \u2013 47 495 Utl\u00e5ning till centralbanker  5 404 \u2013 \u2013 409 Utl\u00e5ning till kreditinstitut 1 791 192 \u2013 \u2013 1 983 Utl\u00e5ning till allm\u00e4nheten 269 874 75 176 \u2013 \u2013 345 050 R\u00e4nteb\u00e4rande v\u00e4rdepapper 3 448 21 880 4 083 33 972 63 383 Pantsatta \ufb01nansiella instrument \u2013 1 668 \u2013 \u2013 1 668 Aktier och andelar \u2013 15 217 \u2013 \u2013 15 217 Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 46 030 280 \u2013 46 310 Derivatinstrument \u2013 30 200 \u2013 \u2013 30 200 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer -65 \u2013 \u2013 \u2013 -65 \u00d6vriga tillg\u00e5ngar1 829 7 265 \u2013 \u2013 8 094 F\u00f6rutbetalda kostnader och upplupna int\u00e4kter 609 \u2013 \u2013 \u2013 609 Summa 323 986 198 032 4 363 33 972 560 353 1) Varav st\u00e4llda marginals\u00e4kerheter klassi\ufb01cerade i kategorin Finansiella tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen obligatoriskt 6 578 mn euro",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherAssetsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-619": {
   "value": "Klassi\ufb01cering av \ufb01nansiella instrument Tillg\u00e5ngar Finansiella tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen Verkligt v\u00e4rde via \u00f6vrigt total- resultat Summ a  \ufb01nansiell a  Upplupet  anskaffnings- v\u00e4rde  Obligatoriskt Fr\u00e5n b\u00f6rjan v\u00e4rderade till verkligt  v\u00e4rde  (verkligt v\u00e4rde- optionen) Kassa och tillgodohavanden hos centralbanker 61 815 \u2013 \u2013 \u2013 61 81 5 Utl\u00e5ning till centralbanker  6 879 \u2013 \u2013 885 Utl\u00e5ning till kreditinstitut 2 831 1 742 \u2013 \u2013 4 573 Utl\u00e5ning till allm\u00e4nheten 275 116 70 627 \u2013 \u2013 345 743 R\u00e4nteb\u00e4rande v\u00e4rdepapper 3 660 21 417 8 073 30 374 63 524 Pantsatta \ufb01nansiella instrument \u2013 2 661 120 2 121 4 902 Aktier och andelar \u2013 17 924 \u2013 \u2013 17 924 Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 40 289 666 \u2013 40 955 Derivatinstrument \u2013 36 578 \u2013 \u2013 36 578 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer -2 116 \u2013 \u2013 \u2013 -2 116 \u00d6vriga tillg\u00e5ngar1 2 261 6 360 \u2013 \u2013 8 621 F\u00f6rutbetalda kostnader och upplupna int\u00e4kter 475 \u2013 \u2013 \u2013 47 5 Summa 344 048 198 477 8 859 32 495 583 879 1) Varav st\u00e4llda marginals\u00e4kerheter klassi\ufb01cerade i kategorin Finansiella tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen obligatoriskt 6 046 mn euro . Skulder Finansiella skulder v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen Summ a \ufb01nansiell a Upplupet anskaffnings- v\u00e4rde  Obligatoriska Fr\u00e5n b\u00f6rjan  v\u00e4rderade till verkligt  v\u00e4rde  (verkligt v\u00e4rde- optionen) Skulder till kreditinstitut 22 423 10 446 \u2013 32 869 In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten 210 814 6 650 \u2013 217 464 Inl\u00e5ning i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 \u2013 42 776 42 776 Emitterade v\u00e4rdepapper  128 488 \u2013 51 315 179 803 Derivatinstrument  \u2013 40 102 \u2013 40 102 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer -2 175 \u2013 \u2013 -2 175 \u00d6vriga skulder1 5 225 10 202 \u2013 15 427 Upplupna kostnader och f\u00f6rutbetalda int\u00e4kter 7 \u2013 \u2013 7 Efterst\u00e4llda skulder 5 401 \u2013 \u2013 5 401 Summa 370 183 67 400 94 091 531 674 1)  Varav leasingskulder klassi\ufb01cerade i kategorin Upplupet anskaffningsv\u00e4rde 1 080 mn euro . Klassi\ufb01cering av \ufb01nansiella instrument Tillg\u00e5ngar 31 dec 2021, mn euro Finansiella tillg\u00e5ngar v\u00e4rderade  till verkligt v\u00e4rde via resultatr\u00e4kningen Verkligt v\u00e4rde via \u00f6vrigt total- resultat Upplupet  anskaffnings- v\u00e4rde  Obligatoriska Fr\u00e5n b\u00f6rjan v\u00e4rderade till verkligt  v\u00e4rde  (verkligt v\u00e4rde- optionen) Summa \ufb01nansiella tillg\u00e5ngar Kassa och tillgodohavanden hos centralbanker 47 495 \u2013 \u2013 \u2013 47 495 Utl\u00e5ning till centralbanker  5 404 \u2013 \u2013 409 Utl\u00e5ning till kreditinstitut 1 791 192 \u2013 \u2013 1 983 Utl\u00e5ning till allm\u00e4nheten 269 874 75 176 \u2013 \u2013 345 050 R\u00e4nteb\u00e4rande v\u00e4rdepapper 3 448 21 880 4 083 33 972 63 383 Pantsatta \ufb01nansiella instrument \u2013 1 668 \u2013 \u2013 1 668 Aktier och andelar \u2013 15 217 \u2013 \u2013 15 217 Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 46 030 280 \u2013 46 310 Derivatinstrument \u2013 30 200 \u2013 \u2013 30 200 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer -65 \u2013 \u2013 \u2013 -65 \u00d6vriga tillg\u00e5ngar1 829 7 265 \u2013 \u2013 8 094 F\u00f6rutbetalda kostnader och upplupna int\u00e4kter 609 \u2013 \u2013 \u2013 609 Summa 323 986 198 032 4 363 33 972 560 353 1) Varav st\u00e4llda marginals\u00e4kerheter klassi\ufb01cerade i kategorin Finansiella tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen obligatoriskt 6 578 mn euro. Skulder1 31 dec 2021, mn euro Finansiella skulder v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen Upplupet anskaffnings- v\u00e4rde  Obligatoriska Fr\u00e5n b\u00f6rjan  v\u00e4rderade till  verkligt v\u00e4rde (verkligt v\u00e4rde -optionen) Summa \ufb01nansiella tillg\u00e5ngar Skulder till kreditinstitut 23 646 3 315 \u2013 26,961 In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten 203 162 2 639 \u2013 205,801 Inl\u00e5ning i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 \u2013 48 201 48,201 Emitterade v\u00e4rdepapper  118 358 \u2013 58 007 176 365 Derivatinstrument  \u2013 31 485 \u2013 31 485 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer 101 \u2013 \u2013 101 \u00d6vriga skulder2 4 307 11 873 \u2013 16 180 Upplupna kostnader och f\u00f6rutbetalda int\u00e4kter 8 \u2013 \u2013 8 Efterst\u00e4llda skulder 6 850 \u2013 \u2013 6 850 Summa 356 432 49 312 106 208 511 952 1)  Skulder till f\u00f6rs\u00e4kringstagare har under 2022 klassi\ufb01cerats som f\u00f6rs\u00e4kringsavtal och ing\u00e5r inte i upplysningarna ovan. J\u00e4mf\u00f6relsesiffrorna har r\u00e4knats om. 2)  Varav leasingskulder klassi\ufb01cerade i kategorin Upplupet anskaffningsv\u00e4rde 1 147 mn euro . Likvida medel F\u00f6ljande poster ing\u00e5r i likvida medel: Mn euro 31 dec 2022 31 dec 2021 Kassa och tillgodohavanden hos centralbanker 61 815 47 495 Utl\u00e5ning till centralbanker, betalbar  vid anfordran 5 6 Utl\u00e5ning till kreditinstitut, betalbar  vid anfordran 1 057 1 127 Summa 62 877 48 628 Kassatillg\u00e5ngar omfattar lagliga betalningsmedel inklusive utl\u00e4ndska sedlar och mynt. Tillgodohavanden hos centralban- ker utg\u00f6rs av tillgodohavanden p\u00e5 konton hos centralbanker och postgiron i myndighetsform, d\u00e4r f\u00f6ljande f\u00f6ruts\u00e4ttningar \u00e4r uppfyllda: \u2022  Centralbanken eller postgirot \u00e4r hemmah\u00f6rande i det land d\u00e4r institutet \u00e4r etablerat. \u2022  Tillgodohavandet p\u00e5 kontot kan disponeras fritt n\u00e4r som helst. Utl\u00e5ning till kreditinstitut, betalbar vid anfordran, utg\u00f6rs av likvida tillg\u00e5ngar som inte utg\u00f6rs av obligationer och andra r\u00e4nteb\u00e4rande v\u00e4rdepapper. Utl\u00e5ning till centralbanker, betal- bar vid anfordran, innefattar instrument som Nordea omedel- bart har r\u00e4tt att s\u00e4lja vidare. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndBankBalancesAtCentralBanksExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-620": {
   "value": "Klassi\ufb01cering av \ufb01nansiella instrument Tillg\u00e5ngar Finansiella tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen Verkligt v\u00e4rde via \u00f6vrigt total- resultat Summ a  \ufb01nansiell a  Upplupet  anskaffnings- v\u00e4rde  Obligatoriskt Fr\u00e5n b\u00f6rjan v\u00e4rderade till verkligt  v\u00e4rde  (verkligt v\u00e4rde- optionen) Kassa och tillgodohavanden hos centralbanker 61 815 \u2013 \u2013 \u2013 61 81 5 Utl\u00e5ning till centralbanker  6 879 \u2013 \u2013 885 Utl\u00e5ning till kreditinstitut 2 831 1 742 \u2013 \u2013 4 573 Utl\u00e5ning till allm\u00e4nheten 275 116 70 627 \u2013 \u2013 345 743 R\u00e4nteb\u00e4rande v\u00e4rdepapper 3 660 21 417 8 073 30 374 63 524 Pantsatta \ufb01nansiella instrument \u2013 2 661 120 2 121 4 902 Aktier och andelar \u2013 17 924 \u2013 \u2013 17 924 Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 40 289 666 \u2013 40 955 Derivatinstrument \u2013 36 578 \u2013 \u2013 36 578 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer -2 116 \u2013 \u2013 \u2013 -2 116 \u00d6vriga tillg\u00e5ngar1 2 261 6 360 \u2013 \u2013 8 621 F\u00f6rutbetalda kostnader och upplupna int\u00e4kter 475 \u2013 \u2013 \u2013 47 5 Summa 344 048 198 477 8 859 32 495 583 879 1) Varav st\u00e4llda marginals\u00e4kerheter klassi\ufb01cerade i kategorin Finansiella tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen obligatoriskt 6 046 mn euro . Skulder Finansiella skulder v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen Summ a \ufb01nansiell a Upplupet anskaffnings- v\u00e4rde  Obligatoriska Fr\u00e5n b\u00f6rjan  v\u00e4rderade till verkligt  v\u00e4rde  (verkligt v\u00e4rde- optionen) Skulder till kreditinstitut 22 423 10 446 \u2013 32 869 In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten 210 814 6 650 \u2013 217 464 Inl\u00e5ning i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 \u2013 42 776 42 776 Emitterade v\u00e4rdepapper  128 488 \u2013 51 315 179 803 Derivatinstrument  \u2013 40 102 \u2013 40 102 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer -2 175 \u2013 \u2013 -2 175 \u00d6vriga skulder1 5 225 10 202 \u2013 15 427 Upplupna kostnader och f\u00f6rutbetalda int\u00e4kter 7 \u2013 \u2013 7 Efterst\u00e4llda skulder 5 401 \u2013 \u2013 5 401 Summa 370 183 67 400 94 091 531 674 1)  Varav leasingskulder klassi\ufb01cerade i kategorin Upplupet anskaffningsv\u00e4rde 1 080 mn euro . Klassi\ufb01cering av \ufb01nansiella instrument Tillg\u00e5ngar 31 dec 2021, mn euro Finansiella tillg\u00e5ngar v\u00e4rderade  till verkligt v\u00e4rde via resultatr\u00e4kningen Verkligt v\u00e4rde via \u00f6vrigt total- resultat Upplupet  anskaffnings- v\u00e4rde  Obligatoriska Fr\u00e5n b\u00f6rjan v\u00e4rderade till verkligt  v\u00e4rde  (verkligt v\u00e4rde- optionen) Summa \ufb01nansiella tillg\u00e5ngar Kassa och tillgodohavanden hos centralbanker 47 495 \u2013 \u2013 \u2013 47 495 Utl\u00e5ning till centralbanker  5 404 \u2013 \u2013 409 Utl\u00e5ning till kreditinstitut 1 791 192 \u2013 \u2013 1 983 Utl\u00e5ning till allm\u00e4nheten 269 874 75 176 \u2013 \u2013 345 050 R\u00e4nteb\u00e4rande v\u00e4rdepapper 3 448 21 880 4 083 33 972 63 383 Pantsatta \ufb01nansiella instrument \u2013 1 668 \u2013 \u2013 1 668 Aktier och andelar \u2013 15 217 \u2013 \u2013 15 217 Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 46 030 280 \u2013 46 310 Derivatinstrument \u2013 30 200 \u2013 \u2013 30 200 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer -65 \u2013 \u2013 \u2013 -65 \u00d6vriga tillg\u00e5ngar1 829 7 265 \u2013 \u2013 8 094 F\u00f6rutbetalda kostnader och upplupna int\u00e4kter 609 \u2013 \u2013 \u2013 609 Summa 323 986 198 032 4 363 33 972 560 353 1) Varav st\u00e4llda marginals\u00e4kerheter klassi\ufb01cerade i kategorin Finansiella tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen obligatoriskt 6 578 mn euro. Skulder1 31 dec 2021, mn euro Finansiella skulder v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen Upplupet anskaffnings- v\u00e4rde  Obligatoriska Fr\u00e5n b\u00f6rjan  v\u00e4rderade till  verkligt v\u00e4rde (verkligt v\u00e4rde -optionen) Summa \ufb01nansiella tillg\u00e5ngar Skulder till kreditinstitut 23 646 3 315 \u2013 26,961 In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten 203 162 2 639 \u2013 205,801 Inl\u00e5ning i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 \u2013 48 201 48,201 Emitterade v\u00e4rdepapper  118 358 \u2013 58 007 176 365 Derivatinstrument  \u2013 31 485 \u2013 31 485 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer 101 \u2013 \u2013 101 \u00d6vriga skulder2 4 307 11 873 \u2013 16 180 Upplupna kostnader och f\u00f6rutbetalda int\u00e4kter 8 \u2013 \u2013 8 Efterst\u00e4llda skulder 6 850 \u2013 \u2013 6 850 Summa 356 432 49 312 106 208 511 952 1)  Skulder till f\u00f6rs\u00e4kringstagare har under 2022 klassi\ufb01cerats som f\u00f6rs\u00e4kringsavtal och ing\u00e5r inte i upplysningarna ovan. J\u00e4mf\u00f6relsesiffrorna har r\u00e4knats om. 2)  Varav leasingskulder klassi\ufb01cerade i kategorin Upplupet anskaffningsv\u00e4rde 1 147 mn euro . K3.17  Efterst\u00e4llda skulder  Redovisningsprinciper Efterst\u00e4llda skulder \u00e4r \ufb01nansiella skulder f\u00f6r vilka det fram- g\u00e5r av avtalet att de i h\u00e4ndelse av likvidation eller konkurs  inte \u00e5terbetalas f\u00f6rr\u00e4n samtliga \u00e5taganden gentemot andra  fordrings\u00e4gare har fullgjorts.  F\u00f6r ytterligare redovisningsprinciper, se not K3.1 \u201dRedo- visning och bortbokning i balansr\u00e4kningen\u201d och not K3.3  \u201dKlassi\ufb01cering och v\u00e4rdering\u201d.  F\u00f6r en s\u00e4krad post i en s\u00e4kring av verkligt v\u00e4rde p\u00e5 mikro- niv\u00e5, v\u00e4rderas den s\u00e4krade risken till verkligt v\u00e4rde och redo - visas p\u00e5 raden \u201dF\u00f6r\u00e4ndringar av verkligt v\u00e4rde f\u00f6r mikros\u00e4k- ringar av r\u00e4nterisk\u201d i tabellen nedan (f\u00f6r ytterligare informa- tion, se not K3.6 \u201dS\u00e4kringsredovisning\u201d). F\u00f6r mer information  om de kritiska bed\u00f6mningar som kr\u00e4vs f\u00f6r att bed\u00f6ma om e n  efterst\u00e4lld skuld ska klassi\ufb01ceras som en skuld eller som ege t  kapital, se not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d . Efterst\u00e4llda skulder Mn euro 31 dec 2022 31 dec 202 1 K\u00e4rnprim\u00e4rkapital 2 600 2 44 7 Supplement\u00e4rt kapital 3 295 4 272 \u00d6vriga efterst\u00e4llda skulder 10 \u2013 F\u00f6r\u00e4ndringar av verkligt v\u00e4rde f\u00f6r  mikros\u00e4kringar av r\u00e4nterisk -504 131 Summa 5 401 6 85 0 F\u00f6r mer information, se not M3.14 \u201cEfterst\u00e4llda skulder\u201d . ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSubordinatedLiabilitiesExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-621": {
   "value": "Klassi\ufb01cering av \ufb01nansiella instrument Tillg\u00e5ngar Finansiella tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen Verkligt v\u00e4rde via \u00f6vrigt total- resultat Summ a  \ufb01nansiell a  Upplupet  anskaffnings- v\u00e4rde  Obligatoriskt Fr\u00e5n b\u00f6rjan v\u00e4rderade till verkligt  v\u00e4rde  (verkligt v\u00e4rde- optionen) Kassa och tillgodohavanden hos centralbanker 61 815 \u2013 \u2013 \u2013 61 81 5 Utl\u00e5ning till centralbanker  6 879 \u2013 \u2013 885 Utl\u00e5ning till kreditinstitut 2 831 1 742 \u2013 \u2013 4 573 Utl\u00e5ning till allm\u00e4nheten 275 116 70 627 \u2013 \u2013 345 743 R\u00e4nteb\u00e4rande v\u00e4rdepapper 3 660 21 417 8 073 30 374 63 524 Pantsatta \ufb01nansiella instrument \u2013 2 661 120 2 121 4 902 Aktier och andelar \u2013 17 924 \u2013 \u2013 17 924 Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 40 289 666 \u2013 40 955 Derivatinstrument \u2013 36 578 \u2013 \u2013 36 578 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer -2 116 \u2013 \u2013 \u2013 -2 116 \u00d6vriga tillg\u00e5ngar1 2 261 6 360 \u2013 \u2013 8 621 F\u00f6rutbetalda kostnader och upplupna int\u00e4kter 475 \u2013 \u2013 \u2013 47 5 Summa 344 048 198 477 8 859 32 495 583 879 1) Varav st\u00e4llda marginals\u00e4kerheter klassi\ufb01cerade i kategorin Finansiella tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen obligatoriskt 6 046 mn euro . Skulder Finansiella skulder v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen Summ a \ufb01nansiell a Upplupet anskaffnings- v\u00e4rde  Obligatoriska Fr\u00e5n b\u00f6rjan  v\u00e4rderade till verkligt  v\u00e4rde  (verkligt v\u00e4rde- optionen) Skulder till kreditinstitut 22 423 10 446 \u2013 32 869 In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten 210 814 6 650 \u2013 217 464 Inl\u00e5ning i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 \u2013 42 776 42 776 Emitterade v\u00e4rdepapper  128 488 \u2013 51 315 179 803 Derivatinstrument  \u2013 40 102 \u2013 40 102 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer -2 175 \u2013 \u2013 -2 175 \u00d6vriga skulder1 5 225 10 202 \u2013 15 427 Upplupna kostnader och f\u00f6rutbetalda int\u00e4kter 7 \u2013 \u2013 7 Efterst\u00e4llda skulder 5 401 \u2013 \u2013 5 401 Summa 370 183 67 400 94 091 531 674 1)  Varav leasingskulder klassi\ufb01cerade i kategorin Upplupet anskaffningsv\u00e4rde 1 080 mn euro . Klassi\ufb01cering av \ufb01nansiella instrument Tillg\u00e5ngar 31 dec 2021, mn euro Finansiella tillg\u00e5ngar v\u00e4rderade  till verkligt v\u00e4rde via resultatr\u00e4kningen Verkligt v\u00e4rde via \u00f6vrigt total- resultat Upplupet  anskaffnings- v\u00e4rde  Obligatoriska Fr\u00e5n b\u00f6rjan v\u00e4rderade till verkligt  v\u00e4rde  (verkligt v\u00e4rde- optionen) Summa \ufb01nansiella tillg\u00e5ngar Kassa och tillgodohavanden hos centralbanker 47 495 \u2013 \u2013 \u2013 47 495 Utl\u00e5ning till centralbanker  5 404 \u2013 \u2013 409 Utl\u00e5ning till kreditinstitut 1 791 192 \u2013 \u2013 1 983 Utl\u00e5ning till allm\u00e4nheten 269 874 75 176 \u2013 \u2013 345 050 R\u00e4nteb\u00e4rande v\u00e4rdepapper 3 448 21 880 4 083 33 972 63 383 Pantsatta \ufb01nansiella instrument \u2013 1 668 \u2013 \u2013 1 668 Aktier och andelar \u2013 15 217 \u2013 \u2013 15 217 Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 46 030 280 \u2013 46 310 Derivatinstrument \u2013 30 200 \u2013 \u2013 30 200 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer -65 \u2013 \u2013 \u2013 -65 \u00d6vriga tillg\u00e5ngar1 829 7 265 \u2013 \u2013 8 094 F\u00f6rutbetalda kostnader och upplupna int\u00e4kter 609 \u2013 \u2013 \u2013 609 Summa 323 986 198 032 4 363 33 972 560 353 1) Varav st\u00e4llda marginals\u00e4kerheter klassi\ufb01cerade i kategorin Finansiella tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen obligatoriskt 6 578 mn euro. Skulder1 31 dec 2021, mn euro Finansiella skulder v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen Upplupet anskaffnings- v\u00e4rde  Obligatoriska Fr\u00e5n b\u00f6rjan  v\u00e4rderade till  verkligt v\u00e4rde (verkligt v\u00e4rde -optionen) Summa \ufb01nansiella tillg\u00e5ngar Skulder till kreditinstitut 23 646 3 315 \u2013 26,961 In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten 203 162 2 639 \u2013 205,801 Inl\u00e5ning i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 \u2013 48 201 48,201 Emitterade v\u00e4rdepapper  118 358 \u2013 58 007 176 365 Derivatinstrument  \u2013 31 485 \u2013 31 485 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer 101 \u2013 \u2013 101 \u00d6vriga skulder2 4 307 11 873 \u2013 16 180 Upplupna kostnader och f\u00f6rutbetalda int\u00e4kter 8 \u2013 \u2013 8 Efterst\u00e4llda skulder 6 850 \u2013 \u2013 6 850 Summa 356 432 49 312 106 208 511 952 1)  Skulder till f\u00f6rs\u00e4kringstagare har under 2022 klassi\ufb01cerats som f\u00f6rs\u00e4kringsavtal och ing\u00e5r inte i upplysningarna ovan. J\u00e4mf\u00f6relsesiffrorna har r\u00e4knats om. 2)  Varav leasingskulder klassi\ufb01cerade i kategorin Upplupet anskaffningsv\u00e4rde 1 147 mn euro . K3.6 S\u00e4kringsredovisning Redovisningsprinciper N\u00e4r ett s\u00e4kringsf\u00f6rh\u00e5llande uppfyller de angivna kriterierna f\u00f6r s\u00e4kringsredovisning i IAS 39, anv\u00e4nder Nordea en av f\u00f6l- jande tre typer av s\u00e4kringsredovisning: \u2022  s\u00e4kring av verkligt v\u00e4rde \u2022  kassafl\u00f6dess\u00e4kring \u2022  s\u00e4kring av nettoinvesteringar. Nordea har, efter policybeslut i enlighet med IFRS 9, valt att forts\u00e4tta till\u00e4mpa s\u00e4kringsredovisning enligt EU:s \u201dcarve out\u201d- version av IAS 39. Enligt EU:s \u201dcarve out\u201d-version av IAS 39 kan makros\u00e4kring av verkligt v\u00e4rde till exempel anv\u00e4ndas f\u00f6r avistainl\u00e5ning (j\u00e4mf\u00f6r IAS 39 publicerad av IASB), och ineffektivitet i sam- band med s\u00e4kring av tillg\u00e5ngar med m\u00f6jlighet till f\u00f6rtida in l\u00f6sen redovisas f\u00f6rst n\u00e4r den reviderade ber\u00e4kningen av kassafl\u00f6desbeloppet hamnar under den nedre skiktgr\u00e4nsen. F\u00f6r att f\u00e5 till\u00e4mpa s\u00e4kringsredovisning kr\u00e4vs att s\u00e4kringen har en h\u00f6g effektivitet. En s\u00e4kring anses ha detta om det vid ing\u00e5ngen och under s\u00e4kringens hela l\u00f6ptid kan f\u00f6rv\u00e4ntas att f\u00f6r\u00e4ndringar i verkligt v\u00e4rde p\u00e5 den s\u00e4krade posten, med avseende p\u00e5 den s\u00e4krade risken, v\u00e4sentligen neutraliseras av f\u00f6r\u00e4ndringar i verkligt v\u00e4rde p\u00e5 s\u00e4kringsinstrumentet. Utfallet ska ligga inom intervallet 80\u2013125 procent. Transaktioner som genomf\u00f6rs i enlighet med Nordeas s\u00e4k- ringsm\u00e5l, men som inte uppfyller kriterierna f\u00f6r s\u00e4kringsredo- visning, \u00e4r ekonomiska s\u00e4kringsf\u00f6rh\u00e5llanden. S\u00e4kring av verkligt v\u00e4rde S\u00e4kring av verkligt v\u00e4rde till\u00e4mpas n\u00e4r derivat anv\u00e4nds f\u00f6r att risks\u00e4kra f\u00f6r\u00e4ndringar i verkligt v\u00e4rde p\u00e5 en redovisad till- g\u00e5ng eller skuld h\u00e4nf\u00f6rlig till en speci\ufb01k risk. S\u00e4kring av verk- ligt v\u00e4rde kan till\u00e4mpas p\u00e5 b\u00e5de mikroniv\u00e5 (enskilda tillg\u00e5ng- ar/skulder eller st\u00e4ngda portf\u00f6ljer av tillg\u00e5ngar/skulder, d\u00e4r en eller flera poster s\u00e4kras med hj\u00e4lp av ett eller flera s\u00e4k- ringsinstrument), och makroniv\u00e5 (\u00f6ppna portf\u00f6ljer, d\u00e4r grup- per av poster s\u00e4kras med hj\u00e4lp av flera s\u00e4kringsinstrument). F\u00f6r\u00e4ndringar i verkligt v\u00e4rde p\u00e5 derivat (s\u00e4kringsinstru- ment) liksom f\u00f6r\u00e4ndringar i verkligt v\u00e4rde p\u00e5 den s\u00e4krade posten, h\u00e4nf\u00f6rliga till de risker som s\u00e4kras, redovisas separat i resultatr\u00e4kningen under \u201dNettoresultat av poster till verkligt v\u00e4rde\u201d. Om s\u00e4kringen \u00e4r effektiv tar f\u00f6r\u00e4ndringen i verkligt v\u00e4rde p\u00e5 den s\u00e4krade posten respektive s\u00e4kringsinstrumentet ut varandra. F\u00f6r\u00e4ndringarna i verkligt v\u00e4rde p\u00e5 den s\u00e4krade posten, h\u00e4nf\u00f6rliga till riskerna s\u00e4krade med derivatinstrumentet, avspeglas i en justering av den s\u00e4krade postens redovisade v\u00e4rde som ocks\u00e5 redovisas i resultatr\u00e4kningen. F\u00f6r\u00e4ndringen i verkligt v\u00e4rde p\u00e5 r\u00e4ntes\u00e4krade poster p\u00e5 makroniv\u00e5, v\u00e4rde- rade till upplupet anskaffningsv\u00e4rde, redovisas i balansr\u00e4k- ningen separerat under posten \u201dF\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer\u201d. Eventuell ineffektiv del av s\u00e4kringen redovisas i resultat- r\u00e4kningen under posten \u201dNettoresultat av poster till verkligt v\u00e4rde\u201d. Om s\u00e4kringsf\u00f6rh\u00e5llandet inte uppfyller kraven f\u00f6r s\u00e4krings- redovisning avslutas s\u00e4kringsredovisningen. S\u00e4kringsinstru- mentet v\u00e4rderas till verkligt v\u00e4rde via resultatr\u00e4kningen och f\u00f6r\u00e4ndringen i verkligt v\u00e4rde p\u00e5 den s\u00e4krade posten, fram till den tidpunkt d\u00e5 s\u00e4kringsf\u00f6rh\u00e5llandet avslutas, resultatf\u00f6rs linj\u00e4rt \u00f6ver den s\u00e4krade postens \u00e5terst\u00e5ende l\u00f6ptid. Kassafl\u00f6dess\u00e4kring Kassafl\u00f6dess\u00e4kring till\u00e4mpas f\u00f6r s\u00e4kring av risk h\u00e4nf\u00f6rlig till variationer i framtida kassafl\u00f6den. Den del av vinsten eller f\u00f6rlusten p\u00e5 s\u00e4kringsinstrumentet som bed\u00f6ms vara en effek- tiv s\u00e4kring redovisas i \u00f6vrigt totalresultat och ackumuleras i reserven f\u00f6r kassafl\u00f6dess\u00e4kringar under eget kapital. Den ineffektiva delen av vinsten eller f\u00f6rlusten p\u00e5 s\u00e4kringsinstru- mentet omklassi\ufb01ceras till resultatr\u00e4kningen under posten \u201dNettoresultat av poster till verkligt v\u00e4rde\u201d. S\u00e4kringen bed\u00f6m vara ineffektiv i den utstr\u00e4ckning som den ackumulerade f\u00f6r- \u00e4ndringen i verkligt v\u00e4rde sedan s\u00e4kringen ingicks \u00e4r st\u00f6rre f\u00f6r s\u00e4kringsinstrumentet \u00e4n f\u00f6r den s\u00e4krade posten. Vinster eller f\u00f6rluster p\u00e5 s\u00e4kringsinstrument som redovi- sats i reserven f\u00f6r kassafl\u00f6dess\u00e4kringar under eget kapital vi \u00f6vrigt totalresultat omklassi\ufb01ceras och redovisas i resultat- r\u00e4kningen i samma period som den s\u00e4krade posten p\u00e5verkar resultatr\u00e4kningen, normalt i den period n\u00e4r r\u00e4nteint\u00e4kten elle r\u00e4ntekostnaden redovisas. En s\u00e4krad post i en kassafl\u00f6dess\u00e4kring kan vara h\u00f6gst san- nolika kassafl\u00f6den fr\u00e5n redovisade, eller framtida, tillg\u00e5ngar eller skulder. Derivat som anv\u00e4nds som s\u00e4kringsinstrument v\u00e4rderas alltid till verkligt v\u00e4rde. Om s\u00e4kringsf\u00f6rh\u00e5llandet inte uppfyller kraven f\u00f6r s\u00e4krings redovisning avslutas s\u00e4kringsredovisningen. F\u00f6r kassafl\u00f6- dess\u00e4kringar redovisas f\u00f6r\u00e4ndringar i det orealiserade v\u00e4rdet p\u00e5 s\u00e4kringsinstrumentet i resultatr\u00e4kningen fr\u00e5n och med det senaste tillf\u00e4llet d\u00e5 s\u00e4kringen bed\u00f6mdes vara effektiv. Den ackumulerade vinsten eller f\u00f6rlusten p\u00e5 s\u00e4kringsinstrumentet som sedan den period d\u00e5 s\u00e4kringen bed\u00f6mdes vara effektiv har redovisats i reserven f\u00f6r kassafl\u00f6dess\u00e4kringar under eget kapital via \u00f6vrigt totalresultat, omklassi\ufb01ceras fr\u00e5n eget kapi- tal till \u201dNettoresultat av poster till verkligt v\u00e4rde\u201d i resultatr\u00e4k- ningen om den f\u00f6rv\u00e4ntade transaktionen inte l\u00e4ngre f\u00f6rv\u00e4n- tas intr\u00e4ffa. Om den f\u00f6rv\u00e4ntade transaktionen inte l\u00e4ngre \u00e4r h\u00f6gst san- nolik, men \u00e4nd\u00e5 f\u00f6rv\u00e4ntas intr\u00e4ffa, s\u00e5 kvarst\u00e5r den ackumule- rade vinsten eller f\u00f6rlusten p\u00e5 s\u00e4kringsinstrumentet, som har redovisats under \u00f6vrigt totalresultat sedan den period d\u00e5 s\u00e4k- ringen bed\u00f6mdes vara effektiv, i \u00f6vrigt totalresultat till dess att transaktionen intr\u00e4ffar eller inte l\u00e4ngre f\u00f6rv\u00e4ntas intr\u00e4ffa. S\u00e4kring av nettoinvesteringar S\u00e4kring av nettoinvesteringar till\u00e4mpas f\u00f6r s\u00e4kring av valuta- risk i nettoinvesteringar i utl\u00e4ndsk verksamhet. Valutarisk de\ufb01nieras som risken f\u00f6r f\u00f6rlust h\u00e4nf\u00f6rlig till investeringar i utl\u00e4ndsk verksamhet som har en annan funktionell valuta \u00e4n koncernens rapporteringsvaluta. Valutakurskomponenten i \ufb01nansiella instrument som anv\u00e4nds som s\u00e4kringsinstrument i en s\u00e4kring av nettoinveste ring i ett koncernf\u00f6retag redovisas, i den m\u00e5n s\u00e4kringen \u00e4r effektiv, under \u00f6vrigt totalresultat. Detta f\u00f6r att neutralisera de omr\u00e4kningsdifferenser som p\u00e5verkar \u00f6vrigt totalresultat n\u00e4r koncernf\u00f6retagen konsolideras, inklusive omv\u00e4rderingen av eventuella utvidgade nettoinvesteringar. Eventuell ineffek- tiv del av s\u00e4kringen redovisas i resultatr\u00e4kningen under \u201dNet- toresultat av poster till verkligt v\u00e4rde\u201d. Se \u00e4ven not K1 \u201dRedovisningsprinciper\u201d, avsnittet \u201dOmr\u00e4k- ning av tillg\u00e5ngar och skulder i utl\u00e4ndsk valuta \u201d. Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar En viktig bed\u00f6mning i samband med redovisning av kassafl\u00f6- dess\u00e4kringar \u00e4r valet av metod f\u00f6r att testa effektiviteten. De s\u00e4kringsinstrument som anv\u00e4nds n\u00e4r Nordea till\u00e4mpar kassafl\u00f6dess\u00e4kring \u00e4r huvudsakligen valutar\u00e4nteswappar, vilka alltid redovisas till verkligt v\u00e4rde. Valutakomponenten hanteras som en kassafl\u00f6dess\u00e4kring av valutarisk och r\u00e4nte- komponenten som en verklig v\u00e4rdes\u00e4kring av r\u00e4nterisk. Vid m\u00e4tningen av effektiviteten i dessa kassafl\u00f6dess\u00e4kringar anv\u00e4nds den hypotetiska derivatmetoden, vilket inneb\u00e4r att f\u00f6r\u00e4ndringen i en perfekt hypotetisk swap anses motsvara nuv\u00e4rdet av den ackumulerade f\u00f6r\u00e4ndringen i f\u00f6rv\u00e4ntade framtida kassafl\u00f6den f\u00f6r den s\u00e4krade transaktionen (valuta- komponenten). Fastst\u00e4llandet av egenskaper f\u00f6r den perfekta hypotetiska swappen kr\u00e4ver kritiska bed\u00f6mningar . Derivat som anv\u00e4nds f\u00f6r s\u00e4kringredovisning 31 dec 2022, mn euro Verkligt v\u00e4rde Nominellt   Positivt Negativt S\u00e4kring av verkligt v\u00e4rde1 4 899 7 514 190 844 Kassafl\u00f6dess\u00e4kringar1 1 466 251 18 738 S\u00e4kring av nettoinvesteringar 241 200 3 565 Summa  6 606 7 965 213 147 31 dec 2021, mn euro Verkligt v\u00e4rde Nominellt Positivt Negativt S\u00e4kring av verkligt v\u00e4rde1 1 772 1 062 259 426 Kassafl\u00f6dess\u00e4kringar1 481 503 22 757 S\u00e4kring av nettoinvesteringar 260 188 3 749 Summa  2 513 1 753 285 932 1)   Vissa valutar\u00e4nteswappar anv\u00e4nds som b\u00e5de s\u00e4kring av verkligt v\u00e4rde och kassa- fl\u00f6dess\u00e4kringar. De nominella v\u00e4rdena f\u00f6r dessa instrument har f\u00f6rdelats p\u00e5 raderna s\u00e4kring av verkligt v\u00e4rde och kassafl\u00f6dess\u00e4kringar i tabellen ovan baserat p\u00e5 de relativa verkliga v\u00e4rdena p\u00e5 dessa s\u00e4kringsinstrument. Det totala nominella v\u00e4rdet p\u00e5 valutar\u00e4nteswappar uppg\u00e5r per 31 december 2022 till 22 494 mn euro (27 932 mn euro). Tabellen ovan visar verkligt v\u00e4rde liksom nominella belopp f\u00f6r derivatinstrument som anv\u00e4nds f\u00f6r s\u00e4kringsredovisning. De nominella beloppen anger utest\u00e5ende transaktionsvolym vid \u00e5rets slut och ger inte n\u00e5gon indikation om vare sig mark- nadsrisk eller kreditrisk. Verkligt v\u00e4rde och nominellt belopp f\u00f6r derivat i denna not avser fr\u00e5n och med 2022 derivatens v\u00e4rde f\u00f6re kvittning mellan tillg\u00e5ngar och skulder i balansr\u00e4k- ningen (bruttobelopp) och inte som tidigare efter kvittning. Sk\u00e4let \u00e4r att bruttobeloppet b\u00e4ttre speglar exponeringen i s\u00e4kringsinstrumentet. J\u00e4mf\u00f6relsesiffrorna har r\u00e4knats om p\u00e5 motsvarande s\u00e4tt. Riskhantering Utifr\u00e5n sin riskhanteringspolicy har Nordea identi\ufb01erat ett antal riskkategorier och motsvarande s\u00e4kringsstrategier med hj\u00e4lp av derivatinstrument, enligt beskrivningen i avsnitt 4 \u201dMarknadsrisk\u201d i not K11 \u201dRisk- och likviditetshantering\u201d. Nordea klassi\ufb01cerar sin exponering f\u00f6r marknadsrisk som antingen handelsportf\u00f6lj (handelslagret) eller icke-handels- portf\u00f6lj (\u00f6vrig verksamhet), och dessa hanteras separat. Handelslagret utg\u00f6rs av alla \ufb01nansiella instrument som Nordea innehar i handelssyfte eller i syfte att risks\u00e4kra instru- ment som innehas i handelssyfte. Instrument som innehas i handelssyfte \u00e4r de som innehas kortfristigt f\u00f6r senare f\u00f6rs\u00e4lj- ning eller d\u00e4r avsikten \u00e4r att dra f\u00f6rdel av faktiska eller f\u00f6rv\u00e4n- tade kortsiktiga skillnader i k\u00f6p- och s\u00e4ljkurser, eller av andra kurs- eller r\u00e4ntef\u00f6r\u00e4ndringar. \u00d6vrig verksamhet innefattar alla innehav utanf\u00f6r handels- lagret. Alla s\u00e4kringar som uppfyller kriterierna f\u00f6r s\u00e4kringsre- dovisning hanteras som instrument inom \u00f6vrig verksamhet. S\u00e4kringsinstrumenten och de s\u00e4krade riskerna beskrivs n\u00e4r- mare nedan, per risk och typ av s\u00e4kringsredovisning N\u00e4r s\u00e4kringen ing\u00e5s dokumenterar Nordea formellt hur s\u00e4k- ringsf\u00f6rh\u00e5llandet uppfyller kriterierna f\u00f6r s\u00e4kringsredovisning, inklusive det ekonomiska f\u00f6rh\u00e5llandet mellan den s\u00e4krade posten och s\u00e4kringsinstrumentet, bland annat risktyp, riskhan- teringsm\u00e5l och strategi f\u00f6r risks\u00e4kringen, samt vilken metod som har anv\u00e4nts f\u00f6r att fortl\u00f6pande bed\u00f6ma s\u00e4kringsf\u00f6rh\u00e5llan- dets effektivitet. R\u00e4nterisk Nordeas huvudsakliga aff\u00e4rsmodell g\u00e5r ut p\u00e5 att anv\u00e4nda bankens inl\u00e5ning till att erbjuda sina kunder l\u00e5n och andra \ufb01nansieringsprodukter och skuldinstrument. R\u00e4nterisk \u00e4r den inverkan som r\u00e4ntef\u00f6r\u00e4ndringar kan f\u00e5 p\u00e5 Nordeas margina- ler, resultat och eget kapital. R\u00e4nterisk uppst\u00e5r genom bris- tande \u00f6verensst\u00e4mmelse mellan r\u00e4nteb\u00e4rande tillg\u00e5ngar och r\u00e4nteb\u00e4rande skulder. Som en del i Nordeas riskhanteringsstrategi har styrelsen fastst\u00e4llt limiter g\u00e4llande r\u00e4ntek\u00e4nslighet och r\u00e4nteskillnader inom \u00f6vrig verksamhet. Dessa limiter \u00f6verensst\u00e4mmer med Nordeas risktolerans, och Nordea anpassar sina m\u00e5l med s\u00e4kringsredovisningen f\u00f6r att h\u00e5lla exponeringarna inom dessa limiter. Nordea har som policy att \u00f6vervaka positioner p\u00e5  daglig basis. F\u00f6r ytterligare information om m\u00e4tning av risker, se avsnitt 4 \u201dMarknadsrisk\u201d i not K11 \u201dRisk- och likviditets       hantering\u201d. F\u00f6r s\u00e4kringsf\u00f6rh\u00e5llanden g\u00e4llande r\u00e4nterisk \u00e4r det risken f\u00f6r en f\u00f6r\u00e4ndring i verkligt v\u00e4rde p\u00e5 den s\u00e4krade posten till f\u00f6ljd av f\u00f6r\u00e4ndringar i referensr\u00e4ntan som s\u00e4kras. S\u00e4kringskvoten upp- n\u00e5s genom att matcha derivatinstrumentens nominella belopp mot kapitalbeloppet i den s\u00e4krade posten. I syfte att s\u00e4kra och d\u00e4rigenom hantera risken och begr\u00e4nsa inverkan p\u00e5 Nordeas marginaler, resultat och eget kapital, anv\u00e4nder Nordea s\u00e4kringsinstrument f\u00f6r att byta r\u00e4ntefl\u00f6den till antingen fasta eller r\u00f6rliga r\u00e4ntor. De riskkomponenter i s\u00e4krade poster som koncernen har identi\ufb01erat \u00e4r: \u2022  Referensr\u00e4nterisk som en del av r\u00e4nterisken, det vill s\u00e4ga interbankr\u00e4ntor (IBOR) som \u00e4ven innefattar nya alternativa referensr\u00e4ntor s\u00e5som SOFR, ESTR eller SONIA. Anv\u00e4ndning av referensr\u00e4nterisken kan inneb\u00e4ra att andra risker, till exempel kreditrisk och likviditetsrisk, undantas fr\u00e5n s\u00e4kringsf\u00f6rh\u00e5llandet. \u2022  Delar av kassafl\u00f6den fr\u00e5n s\u00e4krade poster. Referensr\u00e4ntan fastst\u00e4lls som en f\u00f6r\u00e4ndring i nuv\u00e4rdet av det framtida kassafl\u00f6det, ber\u00e4knad med hj\u00e4lp av referensr\u00e4ntans diskonteringskurvor. Referensr\u00e4ntan kan identi\ufb01eras separat och v\u00e4rderas p\u00e5 ett tillf\u00f6rlitligt s\u00e4tt, och den utg\u00f6r normalt den st\u00f6rsta delen av f\u00f6r\u00e4ndringen i verkligt v\u00e4rde eller kassafl\u00f6de. S\u00e4kring av verkligt v\u00e4rde Nordea anv\u00e4nder sig av r\u00e4nte- och valutar\u00e4nteswappar f\u00f6r att minska eller eliminera f\u00f6r\u00e4ndringar i verkligt v\u00e4rde p\u00e5 den s\u00e4krade posten till f\u00f6ljd av r\u00e4nterisk. S\u00e4krade poster utg\u00f6rs av tillg\u00e5ngar och skulder med fast r\u00e4nta i b\u00e5de lokal och utl\u00e4ndsk valuta, till exempel l\u00e5n, skuld- instrument v\u00e4rderade till verkligt v\u00e4rde via \u00f6vrigt totalresul- tat, inl\u00e5ning och emitterade v\u00e4rdepapper. S\u00e4kringsinstrument utg\u00f6rs av r\u00e4nte- och valutar\u00e4nteswap- par (den del som avser r\u00e4nterisk klassi\ufb01ceras som s\u00e4kring av verkligt v\u00e4rde). Nordea till\u00e4mpar s\u00e4kring av verkligt v\u00e4rde p\u00e5 b\u00e5de mikro- och makroniv\u00e5. P\u00e5 mikroniv\u00e5 g\u00f6rs r\u00e4ntes\u00e4kring av dels skuld- instrument med fast r\u00e4nta v\u00e4rderade till verkligt v\u00e4rde via \u00f6vrigt totalresultat, dels emitterade v\u00e4rdepapper med fast r\u00e4nta. P\u00e5 makroniv\u00e5 g\u00f6rs risks\u00e4kring av ut- och inl\u00e5ning, d\u00e4r l\u00e5n med fast r\u00e4nta och tidsbunden inl\u00e5ning inledningsvis kvit- tas mot varandra och den \u00e5terst\u00e5ende exponeringen (netto- tillg\u00e5ng eller nettoskuld) risks\u00e4kras med en portf\u00f6lj av r\u00e4nte- swappar f\u00f6r en viss l\u00f6ptid. Vid test av s\u00e4kringens effektivitet anv\u00e4nder sig Nordea av b\u00e5de matchning av kritiska villkor (f\u00f6r effektivitetstest p\u00e5 f\u00f6r- hand) och regressionsanalys (f\u00f6r effektivitetstest i efterhand). Vid bed\u00f6mning i efterhand av s\u00e4kringens effektivitet v\u00e4rderar Nordea s\u00e4kringsinstrumentet till verkligt v\u00e4rde och j\u00e4mf\u00f6r f\u00f6r\u00e4ndringen av detta v\u00e4rde med f\u00f6r\u00e4ndringen av verkligt v\u00e4rde p\u00e5 den s\u00e4krade posten. M\u00e4tning av effektiviteten g\u00f6rs p\u00e5 kumulativ basis. Ineffektiva s\u00e4kringar kan bero p\u00e5: \u2022  skillnader i tidpunkten f\u00f6r kassafl\u00f6den fr\u00e5n den s\u00e4krade posten och s\u00e4kringsinstrumentet \u2022  anv\u00e4ndning av olika r\u00e4ntekurvor f\u00f6r diskontering av den s\u00e4krade posten och s\u00e4kringsinstrumentet \u2022  effekten av f\u00f6r\u00e4ndringar i Nordeas eller en motpartskredi- trisk p\u00e5 s\u00e4kringsinstrumentets verkliga v\u00e4rde \u2022  skillnader i f\u00f6rv\u00e4ntad och faktisk f\u00f6rtidsinl\u00f6sen av l\u00e5neportf\u00f6ljen. Tabellen nedan visar ackumulerade justeringar av verkligt v\u00e4rde fr\u00e5n fortl\u00f6pande och avslutade s\u00e4kringsf\u00f6rh\u00e5llanden. S\u00e4krade poster R\u00e4nterisk 2022 R\u00e4nterisk 2021 Mn euro Redovisat v\u00e4rde f\u00f6r s\u00e4krade tillg\u00e5ngar1 varav ackumulerade justeringar av s\u00e4kring av verkligt v\u00e4rde 2, 3 Redovisat v\u00e4rde f\u00f6r s\u00e4krade tillg\u00e5ngar1 varav ackumulerade justeringar av s\u00e4kring av verkligt v\u00e4rde 2, 3 S\u00e4kring av verkligt v\u00e4rde \u2013 mikroniv\u00e5 R\u00e4nteb\u00e4rande v\u00e4rdepapper1 15 893 \u2013 14 732 \u2013 Tillg\u00e5ngar 15 893 \u2013 14 732 \u2013 Emitterade v\u00e4rdepapper 61 063 -3 998 62 166 573 Efterst\u00e4llda skulder 4 861 -504 5 714 131 Skulder 65 924 -4 502 67 880 704 R\u00e4nterisk 2022 R\u00e4nterisk 2021 Mn euro Redovisat v\u00e4rde f\u00f6r s\u00e4krade tillg\u00e5ngar1 varav ackumulerade justeringar av s\u00e4kring av verkligt v\u00e4rde 2, 3 Redovisat v\u00e4rde f\u00f6r s\u00e4krade tillg\u00e5ngar1 varav ackumulerade justeringar av s\u00e4kring av verkligt v\u00e4rde 2, 3 S\u00e4kring av verkligt v\u00e4rde \u2013 makroniv\u00e5 Utl\u00e5ning till allm\u00e4nheten 67 112 \u2013 94 177 \u2013 Tillg\u00e5ngar 67 112 -2 116 94 177 -65 Skulder till kreditinstitut 4 129 \u2013 \u2013 \u2013 In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten 27 426 \u2013 18 109 \u2013 Skulder 31 555 -2 175 18 109 101 1) Den h\u00e4r posten innefattar \u201dPantsatta \ufb01nansiella instrument\u201d. 2) Ackumulerade justeringar av verkligt v\u00e4rde f\u00f6r makros\u00e4kringar redovisas under balansposten \u201dF\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer\u201d. 3) Varav 53 mn euro (63 mn euro) avser avslutade s\u00e4kringar av r\u00e4nterisk. Tabellen nedan inneh\u00e5ller upplysningar om s\u00e4kringsinstrument.    S\u00e4kringsinstrument Verkligt v\u00e4rde Nominellt 31 dec 2022, mn euro Positivt Negativt S\u00e4kring av verkligt v\u00e4rde R\u00e4nterisk 4 899 7 514 190 844 Verkligt v\u00e4rde Nominellt 31 dec 2021, mn euro Positivt Negativt S\u00e4kring av verkligt v\u00e4rde R\u00e4nterisk 1 772 1 062 259 426 Tabellen nedan visar de f\u00f6r\u00e4ndringar i verkligt v\u00e4rde f\u00f6r s\u00e4k- ringsinstrument respektive s\u00e4krade poster som anv\u00e4nds f\u00f6r redovisning av s\u00e4kringsineffektivitet. Dessa f\u00f6r\u00e4ndringar redovisas i resultatr\u00e4kningen under posten \u201dNettoresultat av poster till verkligt v\u00e4rde\u201d.    S\u00e4kringens ineffektivitet R\u00e4nterisk Mn euro 2022 2021 S\u00e4kring av verkligt v\u00e4rde F\u00f6r\u00e4ndringar i verkligt v\u00e4rde f\u00f6r s\u00e4kringsinstrument -4 492 -1 189 F\u00f6r\u00e4ndringar i v\u00e4rde f\u00f6r s\u00e4krade poster som anv\u00e4nds f\u00f6r redovisning av s\u00e4kringsineffektivitet 4 522  1 162 S\u00e4kringsineffektivitet redovisad i resultatr\u00e4kningen1 , 2 30 -27 1)   Redovisat under posten \u201dNettoresultat av poster till verkligt v\u00e4rde\u201d. 2)   Vid upplysning av s\u00e4kringens effektivitet, har v\u00e4rdejusteringar (CVA, DVA och FFVA) inte beaktats eftersom de inte \u00e4r v\u00e4sentliga. K\u00e4llor till ineffektivitet kan exempelvis vara bristande \u00f6ve- rensst\u00e4mmelse mellan justeringsintervallen f\u00f6r swappen res- pektive referensr\u00e4ntan och det verkliga v\u00e4rdet p\u00e5 swappens r\u00f6rliga r\u00e4ntefl\u00f6de p\u00e5 andra dagar \u00e4n r\u00e4ntejusteringsdagen. Kassafl\u00f6dess\u00e4kringar Nordea till\u00e4mpar kassafl\u00f6dess\u00e4kring vid s\u00e4kring av r\u00e4nterisk i utl\u00e5ning och uppl\u00e5ning till r\u00f6rliga r\u00e4ntor. Nordeas kassafl\u00f6dess\u00e4kring av r\u00e4nterisk avser risken f\u00f6r variation i framtida r\u00e4ntebetalningar (betalda och erh\u00e5llna) till f\u00f6ljd av f\u00f6r\u00e4ndringar i referensr\u00e4ntan f\u00f6r prognostiserade transaktioner och f\u00f6r redovisade \ufb01nansiella tillg\u00e5ngar och skulder. Den h\u00e4r variationen i kassafl\u00f6dena risks\u00e4kras med hj\u00e4lp av r\u00e4nteswappar och valutar\u00e4nteswappar, d\u00e4r r\u00e4ntebe- talningarna byts till fast r\u00e4nta i enlighet med Nordeas policyer och riskhanteringsstrategi som i beskrivs i avsnittet \u201dMark- nadsrisk\u201d i not K11 \u201dRisk- och likviditetshantering\u201d. Vid m\u00e4tning i efterhand av kassafl\u00f6dess\u00e4kringarnas effek- tivitet anv\u00e4nds den hypotetiska derivatmetoden, vilket inne- b\u00e4r att f\u00f6r\u00e4ndringen i en perfekt hypotetisk swap anses mot- svara nuv\u00e4rdet av den ackumulerade f\u00f6r\u00e4ndringen i f\u00f6rv\u00e4n- tade framtida kassafl\u00f6den fr\u00e5n den s\u00e4krade transaktionen. Det hypotetiska derivatet motsvarar egenskaperna hos de s\u00e4krade posterna (l\u00e5n med r\u00f6rlig r\u00e4nta), sett till s\u00e4krad volym, r\u00e4ntejusteringsdagar och r\u00e4ntebetalningsperioder. S\u00e4kring- ens effektivitet ber\u00e4knas p\u00e5 kumulativ basis, genom att j\u00e4m- f\u00f6ra f\u00f6r\u00e4ndringar i en portf\u00f6lj av r\u00e4nteswappar (s\u00e4kringsin- strument) och hypotetiska derivat. F\u00f6r\u00e4ndringar i v\u00e4rderingen av s\u00e4kringsinstrument som ing\u00e5r i effektiva s\u00e4kringsf\u00f6rh\u00e5llan- den redovisas ackumulerat i reserven f\u00f6r kassafl\u00f6dess\u00e4kring- ar under eget kapital via \u00f6vrigt totalresultat. De m\u00f6jliga k\u00e4llorna till ineffektivitet i kassafl\u00f6dess\u00e4kringar kan normalt vara desamma som i s\u00e4kringar av verkligt v\u00e4rde (se ovan). F\u00f6r kassafl\u00f6dess\u00e4kringar \u00e4r emellertid risken f\u00f6r f\u00f6rtidsinl\u00f6sen mindre relevant. H\u00e4r orsakas s\u00e4kringsineffekti- viteten ist\u00e4llet av f\u00f6r\u00e4ndringar i tidpunkten f\u00f6r och beloppen fr\u00e5n prognostiserade framtida kassafl\u00f6den. Tabellerna nedan inneh\u00e5ller upplysningar om s\u00e4kringsin- strument som ing\u00e5r i r\u00e4ntes\u00e4kringar, inklusive nominellt belopp och redovisat belopp. S\u00e4kringsinstrument Verkligt v\u00e4rde Nominellt 31 dec 2022, mn euro Positivt Negativt Kassafl\u00f6dess\u00e4kringar R\u00e4nterisk 368 42 4 579 Verkligt v\u00e4rde Nominellt 31 dec 2021, mn euro Positivt Negativt Kassafl\u00f6dess\u00e4kringar R\u00e4nterisk 22 \u2013 750 Tabellen nedan visar f\u00f6r\u00e4ndringar av verkligt v\u00e4rde f\u00f6r s\u00e4k- ringsinstrument fr\u00e5n fortl\u00f6pande s\u00e4kringsf\u00f6rh\u00e5llanden, oav- sett om det under \u00e5ret har skett n\u00e5gon f\u00f6r\u00e4ndring av s\u00e4kring- ens klassi\ufb01cering. I tabellen presenteras ocks\u00e5 de f\u00f6r\u00e4ndring- ar i v\u00e4rde f\u00f6r s\u00e4krade poster som anv\u00e4nds f\u00f6r att m\u00e4ta ineffektiviteten i s\u00e4kringar, d\u00e4r de effektiva och ineffektiva delarna visas separat. S\u00e4kringens ineffektivitet R\u00e4nterisk Mn euro 2022 2021 Kassafl\u00f6dess\u00e4kringar F\u00f6r\u00e4ndringar i verkligt v\u00e4rde f\u00f6r s\u00e4kringsinstrument -39 -2 F\u00f6r\u00e4ndringar i v\u00e4rde f\u00f6r s\u00e4krade poster som anv\u00e4nds f\u00f6r redovisning av s\u00e4kringsineffektivitet 39 2 S\u00e4kringsineffektivitet redovisad i resultatr\u00e4kningen1 , 2 \u2013 \u2013 Vinster/f\u00f6rluster fr\u00e5n s\u00e4kringar som redovisats under \u00f6vrigt totalresultat -39 -2 1)   Redovisat under posten \u201dNettoresultat av poster till verkligt v\u00e4rde\u201d. 2)   Vid upplysning av s\u00e4kringens ineffektivitet, har v\u00e4rderingsjusteringar (CVA, DVA och FFVA) inte beaktats eftersom de inte \u00e4r v\u00e4sentliga.   Reserv f\u00f6r kassafl\u00f6dess\u00e4kring R\u00e4nterisk Mn euro 2022 2021 Balans 1 jan 4 12 Kassafl\u00f6dess\u00e4kringar:  V\u00e4rdef\u00f6r\u00e4ndringar  -39 -2  Skatt p\u00e5 v\u00e4rdef\u00f6r\u00e4ndringar 8 0  Omklassi\ufb01cerat till resultatr\u00e4kningen -13 -8  Skatt p\u00e5 omklassi\ufb01cerat till resultatr\u00e4kningen 3 2 \u00d6vrigt totalresultat, netto efter skatt -41 -8 Totalresultat  -41 -8 Balans 31 dec -37 4 varav fortl\u00f6pande s\u00e4kringar f\u00f6r vilka s\u00e4kringsredovisning till\u00e4mpas -37 4 varav s\u00e4kringsf\u00f6rh\u00e5llanden f\u00f6r vilka s\u00e4kringsredovisning inte l\u00e4ngre till\u00e4mpas \u2013 \u2013 L\u00f6ptidspro\ufb01l f\u00f6r nominella belopp i s\u00e4kringsinstrument 31 dec 2022, mn euro Betalbara vid anfordran H\u00f6gst 3 m\u00e5nader 3\u201312 m\u00e5nader 1\u20135 \u00e5r \u00d6ver 5 \u00e5r Summa Instrument f\u00f6r s\u00e4kring av r\u00e4nterisk  \u2013 21 025 42 277 102 253 25 794 191 349 Summa \u2013 21 025 42 277 102 253 25 794 191 349 31 dec 2021, mn euro Betalbara vid anfordran H\u00f6gst 3 m\u00e5nader 3\u201312 m\u00e5nader 1\u20135 \u00e5r \u00d6ver 5 \u00e5r Summa Instrument f\u00f6r s\u00e4kring av r\u00e4nterisk  \u2013  34 387  49 215  130 206  46 368  260 176 Summa \u2013  34 387  49 215  130 206  46 368  260 176 Genomsnittlig r\u00e4nta f\u00f6r s\u00e4kringsinstrument i r\u00e4ntes\u00e4kringar Den genomsnittliga r\u00e4ntan f\u00f6r det fasta benet i instrument som s\u00e4krar r\u00e4nterisk var per 31 december 2022 1,10 procent (0,37 procent). Valutarisk Valutarisk \u00e4r risken att v\u00e4rdet p\u00e5 ett \ufb01nansiellt instrument varierar till f\u00f6ljd av valutakursf\u00f6r\u00e4ndringar. Valutarisken fr\u00e5n handel begr\u00e4nsas med hj\u00e4lp av en VaR- limit. Valutarisken fr\u00e5n strukturella exponeringar (enligt beskrivningen nedan) begr\u00e4nsas med hj\u00e4lp av en f\u00f6rlustlimit f\u00f6r valutakursr\u00f6relsernas effekt p\u00e5 k\u00e4rnprim\u00e4rkapitalrelatio- nen i ett allvarligt men \u00e4nd\u00e5 m\u00f6jligt stresscenario. Se avsnitt 4 \u201dMarknadsrisk\u201d i not K11 \u201dRisk- och likviditetshantering\u201d. Nordeas utl\u00e5ning och uppl\u00e5ning kan vara uttryckt i l\u00e5nta- garens eller investerarens valuta. Uppl\u00e5ning, placeringar och utl\u00e5ning g\u00f6rs inte alltid i samma valuta, vilket medf\u00f6r en valu- tarisk f\u00f6r Nordea. Skillnader i exponering mot enskilda valu- tor som \ufb01nns mellan olika transaktioner matchas huvudsakli- gen genom att ing\u00e5 valutar\u00e4nteswappar. Valutakomponenten hanteras som en kassafl\u00f6dess\u00e4kring av valutarisk och r\u00e4nte- komponenten som en verklig v\u00e4rdes\u00e4kring av r\u00e4nterisk. Dessutom \u00e4r Nordea exponerat f\u00f6r strukturell valutarisk genom sina utl\u00e4ndska verksamheter som har en annan funk- tionell valuta \u00e4n Nordeas rapporteringsvaluta euro (det vill s\u00e4ga omr\u00e4kningsrisk). Avistakursr\u00f6relser f\u00e5r Nordeas redovi- sade nettoinvesteringar i utl\u00e4ndska verksamheter att f\u00f6r\u00e4nd- ras och k\u00e4rnprim\u00e4rkapitalrelationen att variera p\u00e5 grund av bristande valuta\u00f6verensst\u00e4mmelse mellan eget kapital och riskexponeringsbelopp (REA). Nordea till\u00e4mpar s\u00e4kringsre- dovisning vid s\u00e4kring av sina investeringar i fullt konsolide- rade utl\u00e4ndska verksamheter som har en annan funktionell valuta \u00e4n euro. F\u00f6r s\u00e4kringsf\u00f6rh\u00e5llanden g\u00e4llande valutarisk \u00e4r den s\u00e4k- rade posten valutakomponenten. S\u00e4kringen uppn\u00e5s genom att matcha derivatinstrumentens nominella belopp mot kapi- talbeloppet i den s\u00e4krade posten. Valutakomponenten fastst\u00e4lls som f\u00f6r\u00e4ndringen i nuv\u00e4rdet av framtida kassafl\u00f6den, ber\u00e4knad med hj\u00e4lp av valutakurvor. Valutakomponenten kan identi\ufb01eras separat och v\u00e4rderas p\u00e5 ett tillf\u00f6rlitligt s\u00e4tt, och den utg\u00f6r normalt den st\u00f6rsta delen av f\u00f6r\u00e4ndringen i verkligt v\u00e4rde eller kassafl\u00f6de. S\u00e4kring av kassafl\u00f6den och nettoinvesteringar S\u00e4krade poster i kassafl\u00f6dess\u00e4kringar av valutarisk utg\u00f6rs av framtida betalningar av r\u00e4nta och det nominella beloppet fr\u00e5n (1) emissioner i utl\u00e4ndsk valuta och (2) koncerninterna l\u00e5n i utl\u00e4ndsk valuta, d\u00e4r valutakurseffekten inte elimineras vid konsolidering. Nordea anv\u00e4nder valutar\u00e4nteswappar, b\u00e5de r\u00f6rlig mot r\u00f6rlig och fast mot r\u00f6rlig, d\u00e4r den del som avser valutarisk, inklusive valutabasiseffekter, hanteras som en kassafl\u00f6des s\u00e4kring. S\u00e4kringsf\u00f6rh\u00e5llanden skapas p\u00e5 mikro- eller makroniv\u00e5. F\u00f6r s\u00e4kringar av nettoinvesteringar anv\u00e4nder Nordea korta valutaswappar som s\u00e4kringsinstrument, och f\u00f6r\u00e4ndringar i avistakursen anses utg\u00f6ra den s\u00e4krade risken. Ineffektivitet i s\u00e4kringen kan uppst\u00e5 om s\u00e4kringsinstrumenten i nominella termer t\u00e4cker mer \u00e4n riskexponeringen i de utl\u00e4ndska verksamheterna. Tabellerna nedan inneh\u00e5ller upplysningar om s\u00e4kringsin- strument som ing\u00e5r i valutas\u00e4kringar, inklusive s\u00e4kringsinstru- mentens nominella och redovisade belopp. S\u00e4kringsinstrument Verkligt v\u00e4rde Nominellt 31 dec 2022, mn euro Positivt Negativt Kassafl\u00f6dess\u00e4kringar Valutarisk 1 098 209 14 159 S\u00e4kring av nettoinvesteringar Valutarisk 241 200 3 565 Summa derivat som anv\u00e4nds f\u00f6r s\u00e4kringsredovisning 1 339 409 17 724 Verkligt v\u00e4rde Nominellt 31 dec 2021, mn euro Positivt Negativt Kassafl\u00f6dess\u00e4kringar Valutarisk 459 503  22 007 S\u00e4kring av nettoinvesteringar Valutarisk 260 188  3 749 Summa derivat som anv\u00e4nds f\u00f6r s\u00e4kringsredovisning 719 691  25 756 Tabellen nedan visar f\u00f6r\u00e4ndringar av verkligt v\u00e4rde f\u00f6r s\u00e4k- ringsinstrument fr\u00e5n fortl\u00f6pande s\u00e4kringsf\u00f6rh\u00e5llanden, oav- sett om det under \u00e5ret har skett n\u00e5gon f\u00f6r\u00e4ndring av s\u00e4kring- ens klassi\ufb01cering. I tabellen presenteras ocks\u00e5 f\u00f6r\u00e4ndringar i v\u00e4rde p\u00e5 de s\u00e4krade poster som anv\u00e4nds f\u00f6r att m\u00e4ta s\u00e4k- ringarnas ineffektivitet, d\u00e4r de effektiva och ineffektiva delarna visas separat. Genomsnittliga terminskurser f\u00f6r instrument som s\u00e4krar valutarisk De genomsnittliga terminskurserna f\u00f6r instrument som s\u00e4krar valutarisk per 31 december framg\u00e5r av tabellerna nedan. 31 dec 2022 NOK SEK USD RUB EUR 10,37 10,32 1,06 \u2013 31 dec 2021 NOK SEK USD RUB EUR 10,17 10,14 1,17 83,90 L\u00f6ptidspro\ufb01l f\u00f6r nominella belopp i s\u00e4kringsinstrument 31 dec 2022, mn euro Betalbara vid anfordran H\u00f6gst 3 m\u00e5nader 3\u201312 m\u00e5nader 1\u20135 \u00e5r \u00d6ver 5 \u00e5r Totalt Instrument f\u00f6r s\u00e4kring av valutarisk \u2013 1 013 2 797 15 943 2 045 21 798 Summa \u2013 1 013 2 797 15 943 2 045 21 798 31 dec 2021, mn euro Betalbara vid anfordran H\u00f6gst 3 m\u00e5nader 3\u201312 m\u00e5nader 1\u20135 \u00e5r \u00d6ver 5 \u00e5r Totalt Instrument f\u00f6r s\u00e4kring av valutarisk \u2013  1 450  1 888  15 275  7 143  25 756 Summa \u2013  1 450  1 888  15 275  7 143  25 756 S\u00e4kringens ineffektivitet Valutarisk Mn euro 2022 2021 Kassafl\u00f6dess\u00e4kringar F\u00f6r\u00e4ndringar i verkligt v\u00e4rde f\u00f6r s\u00e4kringsinstrument 1 382 45 F\u00f6r\u00e4ndringar i v\u00e4rde f\u00f6r s\u00e4krade poster som anv\u00e4nds f\u00f6r redovisning av s\u00e4kringsineffektivitet -1 368 -45 S\u00e4kringsineffektivitet redovisad i resultatr\u00e4kningen1 , 2 14 \u2013 Vinster/f\u00f6rluster fr\u00e5n s\u00e4kringar som redovisats under \u00f6vrigt totalresultat 1 368 45 S\u00e4kring av nettoinvesteringar F\u00f6r\u00e4ndringar i verkligt v\u00e4rde f\u00f6r s\u00e4kringsinstrument 183 -1 F\u00f6r\u00e4ndringar i v\u00e4rde f\u00f6r s\u00e4krade poster som anv\u00e4nds f\u00f6r redovisning av s\u00e4kringsineffektivitet -183 1 S\u00e4kringsineffektivitet redovisad i resultatr\u00e4kningen1 , 2 \u2013 \u2013 Vinster/f\u00f6rluster fr\u00e5n s\u00e4kringar som redovisats under \u00f6vrigt totalresultat 183 -1 1)   Redovisat under posten \u201dNettoresultat av poster till verkligt v\u00e4rde\u201d. 2)   N\u00e4r upplysning l\u00e4mnas om s\u00e4kringsineffektivitet har inte v\u00e4rderings- justeringarna CVA, DVA and FFVA beaktats. Reserv f\u00f6r kassafl\u00f6dess\u00e4kring Valutarisk Mn euro 2022 2021 Ing\u00e5ende balans 1 jan  26 -22 Kassafl\u00f6dess\u00e4kringar:  V\u00e4rdef\u00f6r\u00e4ndringar 1 382 45  Skatt p\u00e5 v\u00e4rdef\u00f6r\u00e4ndringar -278 -3  Omklassi\ufb01cerat till resultatr\u00e4kningen -1 288 15  Skatt p\u00e5 omklassi\ufb01cerat till resultatr\u00e4kningen 259 -9 \u00d6vrigt totalresultat, netto efter skatt 75 48 Totalresultat  75 48 Utg\u00e5ende balans 31 dec  101 26 varav fortl\u00f6pande s\u00e4kringar f\u00f6r vilka s\u00e4kringsredovisning till\u00e4mpas 101 26 varav s\u00e4kringsf\u00f6rh\u00e5llanden f\u00f6r vilka s\u00e4kringsredovisning inte l\u00e4ngre till\u00e4mpas \u2013 \u2013K3.12  Derivatinstrument Redovisningsprinciper Ett derivatinstrument \u00e4r ett \ufb01nansiellt instrument eller annat avtal som har alla tre f\u00f6ljande k\u00e4nnetecken: \u2022  Dess v\u00e4rde f\u00f6r\u00e4ndras till f\u00f6ljd av en f\u00f6r\u00e4ndring i en angiven variabel, exempelvis r\u00e4nta, kurs p\u00e5 \ufb01nansiellt instrument, r\u00e5varupris, v\u00e4xelkurs, pris- eller r\u00e4nteindex, kreditbetyg eller kreditindex, f\u00f6rutsatt att \u2013 i fr\u00e5ga om en icke-\ufb01nansiell vari- abel \u2013 den inte \u00e4r speci\ufb01k f\u00f6r n\u00e5gon av avtalsparterna (s\u00e5 kallad \u201dunderliggande variabel\u201d); \u2022  Det kr\u00e4ver ingen initial nettoinvestering eller en initial net- toinvestering som \u00e4r mindre \u00e4n vad som skulle kr\u00e4vas f\u00f6r andra typer av avtal som kan f\u00f6rv\u00e4ntas reagera p\u00e5 liknande s\u00e4tt p\u00e5 f\u00f6r\u00e4ndringar i marknadsfaktorer; och \u2022  Avvecklingen sker i framtiden. Samtliga derivat redovisas i balansr\u00e4kningen och v\u00e4rderas till verkligt v\u00e4rde. Derivat med positivt verkligt v\u00e4rde, inklusive upplupen r\u00e4nta, redovisas p\u00e5 tillg\u00e5ngssidan under posten \u201dDerivatinstrument\u201d. Derivat med negativt verkligt v\u00e4rde, inklusive upplupen r\u00e4nta, redovisas p\u00e5 skuldsidan under pos- ten \u201dDerivatinstrument\u201d. Vid v\u00e4rderingen av derivat till verk- ligt v\u00e4rde g\u00f6r Nordea justeringar i form av s\u00e5 kallade credit value adjustments (CVA) och debit value adjustments (DVA). CVA och DVA speglar hur motpartens kreditrisk respektive Nordeas egen kreditv\u00e4rdighet p\u00e5verkar derivatets verkliga v\u00e4rde. F\u00f6r ytterligare information om ber\u00e4kningen och \u00f6vriga XVA, se not K3.4 \u201dVerkligt v\u00e4rde\u201d. Realiserade och orealiserade vinster och f\u00f6rluster p\u00e5 deri- vat redovisas i resultatr\u00e4kningen under posten \u201dNettoresultat av poster till verkligt v\u00e4rde\u201d. F\u00f6r mer information om redovis- ningsprinciper och kritiska bed\u00f6mningar, se not K3.4 \u201dVerkligt v\u00e4rde\u201d. Derivatinstrument Verkligt v\u00e4rde Nominellt belopp31 dec 2022, mn euro Positivt Negativt Derivat som inte anv\u00e4nds f\u00f6r s\u00e4kringsredovisning 204 938 206 220 6 998 966 Derivat som anv\u00e4nds f\u00f6r s\u00e4kringsredovisning 6 606 7 965 213 147 Summa bruttobelopp 211 544 214 185 7 212 113 Kvittat belopp -174 966 -174 083 Summa derivatinstrument 36 578 40 102 7 212 113 Verkligt v\u00e4rde Nominellt belopp31 dec 2021, mn euro Positivt Negativt Derivat som inte anv\u00e4nds f\u00f6r s\u00e4kringsredovisning 91 430 91 275 6 303 553 Derivat som anv\u00e4nds f\u00f6r s\u00e4kringsredovisning 2 513 1 753 285 932 Summa bruttobelopp 93 943 93 028 6 589 485 Kvittat belopp -63 743 -61 543 Summa derivatinstrument 30 200 31 485 6 589 485 Nordea anv\u00e4nder derivatinstrument i handels- och riskhante- ringssyfte. Nordea kan ta positioner med f\u00f6rv\u00e4ntning om att g\u00f6ra en vinst p\u00e5 gynnsamma f\u00f6r\u00e4ndringar i aktie- eller valu- takurser, r\u00e4ntor eller index. Handelsportf\u00f6ljen hanteras som handelsrisk i riskhanteringssyfte. Derivatinstrument som inne- has i riskhanteringssyfte innefattar dels s\u00e4kringar som upp- fyller kriterierna f\u00f6r s\u00e4kringsredovisning, dels s\u00e5 kallade eko- nomiska s\u00e4kringar, som inte uppfyller kriterierna f\u00f6r s\u00e4kringsredovisning. Tabellen nedan visar derivatinstrumentens verkliga v\u00e4rde och nominella belopp. De nominella beloppen anger utest\u00e5- ende transaktionsvolym vid \u00e5rets slut och ger inte n\u00e5gon indi- kation om vare sig marknadsrisk eller kreditrisk. Derivatinstru- menten delas upp i derivat som inte anv\u00e4nds f\u00f6r s\u00e4kringsredo- visning och derivat som anv\u00e4nds f\u00f6r s\u00e4kringsredovisning. F\u00f6r mer information om derivat som anv\u00e4nds f\u00f6r s\u00e4kringsredovis- ning, se not K3.6 \u201dS\u00e4kringsredovisning\u201d. Verkligt v\u00e4rde och nominellt belopp f\u00f6r derivat i denna not avser fr\u00e5n och med 2022 derivatens v\u00e4rde f\u00f6re kvittning mellan tillg\u00e5ngar och skulder i balansr\u00e4kningen (bruttobelopp) och inte som tidigare efter kvittning. Sk\u00e4let \u00e4r att bruttobeloppet b\u00e4ttre speglar Nordeas exponering. J\u00e4mf\u00f6relsesiffrorna har r\u00e4k- nats om p\u00e5 motsvarande s\u00e4tt. Derivat som inte anv\u00e4nds f\u00f6r s\u00e4kringsredovisning Verkligt v\u00e4rde Nominellt belopp31 dec 2022, mn euro Positivt Negativt R\u00e4ntederivat R\u00e4nteswappar 181 687 179 423 4 149 868 FRA 3 687 4 124 1 455 868 Terminer 34 66 103 027 Optioner 6 311 6 267 371 724 Summa 191 719 189 880 6 080 487 Aktiederivat Aktieswappar 352 306 18 964 Terminer 5 9 703 Optioner 122 413 4 394 Summa 479 728 24 061 Valutaderivat Valuta- och r\u00e4nteswappar 7 459 8 806 334 844 Valutaterminer 3 506 4 741 370 760 Optioner 94 81 10 499 Summa 11 059 13 628 716 103 \u00d6vriga derivat Kreditderivat (CDS) 1 663 1 917 178 128 R\u00e5varuderivat 10 37 125 \u00d6vriga derivat 8 30 62 Summa 1 681 1 984 178 315 Summa derivat som inte anv\u00e4nds f\u00f6r s\u00e4kringsredovisning 204 938 206 220 6 998 966 Verkligt v\u00e4rde Nominellt belopp31 dec 2021, mn euro Positivt Negativt R\u00e4ntederivat R\u00e4nteswappar 75 045 73 486 3 629 671 FRA 220 240 1 220 039 Terminer 10 36 80 269 Optioner 3 364 3 808 409 479 Summa 78 639 77 570 5 339 458 Aktiederivat Aktieswappar 210 273 16 315 Terminer 1 19 1 210 Optioner 137 563 9 015 Summa 348 855 26 540 Valutaderivat Valuta- och r\u00e4nteswappar 4 875 5 570 368 437 Valutaterminer 3 028 2 541 382 221 Optioner 104 121 15 179 Summa 8 007 8 232 765 837 \u00d6vriga derivat Kreditderivat (CDS) 4 430 4 567 171 167 R\u00e5varuderivat 4 42 499 \u00d6vriga derivat 2 9 52 Summa 4 436 4 618 171 718 Summa derivat som inte anv\u00e4nds f\u00f6r s\u00e4kringsredovisning 91 430 91 275 6 303 553 ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDerivativeFinancialInstrumentsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-622": {
   "value": "Klassi\ufb01cering av \ufb01nansiella instrument Tillg\u00e5ngar Finansiella tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen Verkligt v\u00e4rde via \u00f6vrigt total- resultat Summ \ufb01nansiell Upplupet  anskaffnings- v\u00e4rde  Obligatoriskt Fr\u00e5n b\u00f6rjan v\u00e4rderade till verkligt  v\u00e4rde  (verkligt v\u00e4rde- optionen) Kassa och tillgodohavanden hos centralbanker 61 815 \u2013 \u2013 \u2013 61 81 Utl\u00e5ning till centralbanker  6 879 \u2013 \u2013 885 Utl\u00e5ning till kreditinstitut 2 831 1 742 \u2013 \u2013 4 573 Utl\u00e5ning till allm\u00e4nheten 275 116 70 627 \u2013 \u2013 345 743 R\u00e4nteb\u00e4rande v\u00e4rdepapper 3 660 21 417 8 073 30 374 63 524 Pantsatta \ufb01nansiella instrument \u2013 2 661 120 2 121 4 902 Aktier och andelar \u2013 17 924 \u2013 \u2013 17 924 Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 40 289 666 \u2013 40 955 Derivatinstrument \u2013 36 578 \u2013 \u2013 36 578 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer -2 116 \u2013 \u2013 \u2013 -2 116 \u00d6vriga tillg\u00e5ngar1 2 261 6 360 \u2013 \u2013 8 621 F\u00f6rutbetalda kostnader och upplupna int\u00e4kter 475 \u2013 \u2013 \u2013 47 Summa 344 048 198 477 8 859 32 495 583 879 1) Varav st\u00e4llda marginals\u00e4kerheter klassi\ufb01cerade i kategorin Finansiella tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen obligatoriskt 6 046 mn euro . Skulder Finansiella skulder v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen Summ \ufb01nansiell Upplupet anskaffnings- v\u00e4rde  Obligatoriska Fr\u00e5n b\u00f6rjan  v\u00e4rderade till verkligt  v\u00e4rde  (verkligt v\u00e4rde- optionen) Skulder till kreditinstitut 22 423 10 446 \u2013 32 869 In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten 210 814 6 650 \u2013 217 464 Inl\u00e5ning i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 \u2013 42 776 42 776 Emitterade v\u00e4rdepapper  128 488 \u2013 51 315 179 803 Derivatinstrument  \u2013 40 102 \u2013 40 102 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer -2 175 \u2013 \u2013 -2 175 \u00d6vriga skulder1 5 225 10 202 \u2013 15 427 Upplupna kostnader och f\u00f6rutbetalda int\u00e4kter 7 \u2013 \u2013 7 Efterst\u00e4llda skulder 5 401 \u2013 \u2013 5 401 Summa 370 183 67 400 94 091 531 674 1)  Varav leasingskulder klassi\ufb01cerade i kategorin Upplupet anskaffningsv\u00e4rde 1 080 mn euro . Klassi\ufb01cering av \ufb01nansiella instrument Tillg\u00e5ngar 31 dec 2021, mn euro Finansiella tillg\u00e5ngar v\u00e4rderade  till verkligt v\u00e4rde via resultatr\u00e4kningen Verkligt v\u00e4rde via \u00f6vrigt total- resultat Upplupet  anskaffnings- v\u00e4rde  Obligatoriska Fr\u00e5n b\u00f6rjan v\u00e4rderade till verkligt  v\u00e4rde  (verkligt v\u00e4rde- optionen) Summa \ufb01nansiella tillg\u00e5ngar Kassa och tillgodohavanden hos centralbanker 47 495 \u2013 \u2013 \u2013 47 495 Utl\u00e5ning till centralbanker  5 404 \u2013 \u2013 409 Utl\u00e5ning till kreditinstitut 1 791 192 \u2013 \u2013 1 983 Utl\u00e5ning till allm\u00e4nheten 269 874 75 176 \u2013 \u2013 345 050 R\u00e4nteb\u00e4rande v\u00e4rdepapper 3 448 21 880 4 083 33 972 63 383 Pantsatta \ufb01nansiella instrument \u2013 1 668 \u2013 \u2013 1 668 Aktier och andelar \u2013 15 217 \u2013 \u2013 15 217 Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 46 030 280 \u2013 46 310 Derivatinstrument \u2013 30 200 \u2013 \u2013 30 200 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer -65 \u2013 \u2013 \u2013 -65 \u00d6vriga tillg\u00e5ngar1 829 7 265 \u2013 \u2013 8 094 F\u00f6rutbetalda kostnader och upplupna int\u00e4kter 609 \u2013 \u2013 \u2013 609 Summa 323 986 198 032 4 363 33 972 560 353 1) Varav st\u00e4llda marginals\u00e4kerheter klassi\ufb01cerade i kategorin Finansiella tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen obligatoriskt 6 578 mn euro. Skulder1 31 dec 2021, mn euro Finansiella skulder v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen Upplupet anskaffnings- v\u00e4rde  Obligatoriska Fr\u00e5n b\u00f6rjan  v\u00e4rderade till  verkligt v\u00e4rde (verkligt v\u00e4rde -optionen) Summa \ufb01nansiella tillg\u00e5ngar Skulder till kreditinstitut 23 646 3 315 \u2013 26,961 In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten 203 162 2 639 \u2013 205,801 Inl\u00e5ning i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 \u2013 48 201 48,201 Emitterade v\u00e4rdepapper  118 358 \u2013 58 007 176 365 Derivatinstrument  \u2013 31 485 \u2013 31 485 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer 101 \u2013 \u2013 101 \u00d6vriga skulder2 4 307 11 873 \u2013 16 180 Upplupna kostnader och f\u00f6rutbetalda int\u00e4kter 8 \u2013 \u2013 8 Efterst\u00e4llda skulder 6 850 \u2013 \u2013 6 850 Summa 356 432 49 312 106 208 511 952 1)  Skulder till f\u00f6rs\u00e4kringstagare har under 2022 klassi\ufb01cerats som f\u00f6rs\u00e4kringsavtal och ing\u00e5r inte i upplysningarna ovan. J\u00e4mf\u00f6relsesiffrorna har r\u00e4knats om. 2)  Varav leasingskulder klassi\ufb01cerade i kategorin Upplupet anskaffningsv\u00e4rde 1 147 mn euro . K3.13  Skulder till kreditinstitut Redovisningsprinciper Skulder till kreditinstitut innefattar skulder till centralbanker, banker, kreditmarknadsbolag, kreditbolag, \ufb01nansbolag och hypoteksinstitut. Inl\u00e5ning klassi\ufb01ceras i enlighet med not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d. F\u00f6r ytterligare redovisningsprinciper, se not K3.1 \u201dRedovis- ning och bortbokning i balansr\u00e4kningen\u201d, not K3.2 \u201d\u00d6verf\u00f6rda tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter\u201d och not K3.4 \u201dVerkligt v\u00e4rde\u201d. Skulder till kreditinstitut Mn euro 31 dec 2022 31 dec 2021 Centralbanker 16 418 15 998 Banker 15 107 10 002 \u00d6vriga kreditinstitut 1 344 961 Summa 32 869 26 961 ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepositsFromBanksExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-623": {
   "value": "Klassi\ufb01cering av \ufb01nansiella instrument Tillg\u00e5ngar Finansiella tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen Verkligt v\u00e4rde via \u00f6vrigt total- resultat Summ a  \ufb01nansiell a  Upplupet  anskaffnings- v\u00e4rde  Obligatoriskt Fr\u00e5n b\u00f6rjan v\u00e4rderade till verkligt  v\u00e4rde  (verkligt v\u00e4rde- optionen) Kassa och tillgodohavanden hos centralbanker 61 815 \u2013 \u2013 \u2013 61 81 5 Utl\u00e5ning till centralbanker  6 879 \u2013 \u2013 885 Utl\u00e5ning till kreditinstitut 2 831 1 742 \u2013 \u2013 4 573 Utl\u00e5ning till allm\u00e4nheten 275 116 70 627 \u2013 \u2013 345 743 R\u00e4nteb\u00e4rande v\u00e4rdepapper 3 660 21 417 8 073 30 374 63 524 Pantsatta \ufb01nansiella instrument \u2013 2 661 120 2 121 4 902 Aktier och andelar \u2013 17 924 \u2013 \u2013 17 924 Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 40 289 666 \u2013 40 955 Derivatinstrument \u2013 36 578 \u2013 \u2013 36 578 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer -2 116 \u2013 \u2013 \u2013 -2 116 \u00d6vriga tillg\u00e5ngar1 2 261 6 360 \u2013 \u2013 8 621 F\u00f6rutbetalda kostnader och upplupna int\u00e4kter 475 \u2013 \u2013 \u2013 47 5 Summa 344 048 198 477 8 859 32 495 583 879 1) Varav st\u00e4llda marginals\u00e4kerheter klassi\ufb01cerade i kategorin Finansiella tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen obligatoriskt 6 046 mn euro . Skulder Finansiella skulder v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen Summ a \ufb01nansiell a Upplupet anskaffnings- v\u00e4rde  Obligatoriska Fr\u00e5n b\u00f6rjan  v\u00e4rderade till verkligt  v\u00e4rde  (verkligt v\u00e4rde- optionen) Skulder till kreditinstitut 22 423 10 446 \u2013 32 869 In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten 210 814 6 650 \u2013 217 464 Inl\u00e5ning i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 \u2013 42 776 42 776 Emitterade v\u00e4rdepapper  128 488 \u2013 51 315 179 803 Derivatinstrument  \u2013 40 102 \u2013 40 102 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer -2 175 \u2013 \u2013 -2 175 \u00d6vriga skulder1 5 225 10 202 \u2013 15 427 Upplupna kostnader och f\u00f6rutbetalda int\u00e4kter 7 \u2013 \u2013 7 Efterst\u00e4llda skulder 5 401 \u2013 \u2013 5 401 Summa 370 183 67 400 94 091 531 674 1)  Varav leasingskulder klassi\ufb01cerade i kategorin Upplupet anskaffningsv\u00e4rde 1 080 mn euro . Klassi\ufb01cering av \ufb01nansiella instrument Tillg\u00e5ngar 31 dec 2021, mn euro Finansiella tillg\u00e5ngar v\u00e4rderade  till verkligt v\u00e4rde via resultatr\u00e4kningen Verkligt v\u00e4rde via \u00f6vrigt total- resultat Upplupet  anskaffnings- v\u00e4rde  Obligatoriska Fr\u00e5n b\u00f6rjan v\u00e4rderade till verkligt  v\u00e4rde  (verkligt v\u00e4rde- optionen) Summa \ufb01nansiella tillg\u00e5ngar Kassa och tillgodohavanden hos centralbanker 47 495 \u2013 \u2013 \u2013 47 495 Utl\u00e5ning till centralbanker  5 404 \u2013 \u2013 409 Utl\u00e5ning till kreditinstitut 1 791 192 \u2013 \u2013 1 983 Utl\u00e5ning till allm\u00e4nheten 269 874 75 176 \u2013 \u2013 345 050 R\u00e4nteb\u00e4rande v\u00e4rdepapper 3 448 21 880 4 083 33 972 63 383 Pantsatta \ufb01nansiella instrument \u2013 1 668 \u2013 \u2013 1 668 Aktier och andelar \u2013 15 217 \u2013 \u2013 15 217 Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 46 030 280 \u2013 46 310 Derivatinstrument \u2013 30 200 \u2013 \u2013 30 200 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer -65 \u2013 \u2013 \u2013 -65 \u00d6vriga tillg\u00e5ngar1 829 7 265 \u2013 \u2013 8 094 F\u00f6rutbetalda kostnader och upplupna int\u00e4kter 609 \u2013 \u2013 \u2013 609 Summa 323 986 198 032 4 363 33 972 560 353 1) Varav st\u00e4llda marginals\u00e4kerheter klassi\ufb01cerade i kategorin Finansiella tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen obligatoriskt 6 578 mn euro. Skulder1 31 dec 2021, mn euro Finansiella skulder v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen Upplupet anskaffnings- v\u00e4rde  Obligatoriska Fr\u00e5n b\u00f6rjan  v\u00e4rderade till  verkligt v\u00e4rde (verkligt v\u00e4rde -optionen) Summa \ufb01nansiella tillg\u00e5ngar Skulder till kreditinstitut 23 646 3 315 \u2013 26,961 In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten 203 162 2 639 \u2013 205,801 Inl\u00e5ning i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 \u2013 48 201 48,201 Emitterade v\u00e4rdepapper  118 358 \u2013 58 007 176 365 Derivatinstrument  \u2013 31 485 \u2013 31 485 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer 101 \u2013 \u2013 101 \u00d6vriga skulder2 4 307 11 873 \u2013 16 180 Upplupna kostnader och f\u00f6rutbetalda int\u00e4kter 8 \u2013 \u2013 8 Efterst\u00e4llda skulder 6 850 \u2013 \u2013 6 850 Summa 356 432 49 312 106 208 511 952 1)  Skulder till f\u00f6rs\u00e4kringstagare har under 2022 klassi\ufb01cerats som f\u00f6rs\u00e4kringsavtal och ing\u00e5r inte i upplysningarna ovan. J\u00e4mf\u00f6relsesiffrorna har r\u00e4knats om. 2)  Varav leasingskulder klassi\ufb01cerade i kategorin Upplupet anskaffningsv\u00e4rde 1 147 mn euro . K3.14  In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten Redovisningsprinciper Inl\u00e5ning fr\u00e5n allm\u00e4nheten de\ufb01nieras som medel p\u00e5 inl\u00e5nings- konton som omfattas av den statliga ins\u00e4ttningsgarantin, men  innefattar ocks\u00e5 belopp ut\u00f6ver de enskilda beloppsgr\u00e4nserna.  \u00c4ven individuellt pensionssparande (IPS) ing\u00e5r. Uppl\u00e5ning \u00e4r  andra skulder till allm\u00e4nheten \u00e4n skuldinstrument. Inl\u00e5ning  klassi\ufb01ceras i enlighet med not K3.3 \u201dKlassi\ufb01cering och  v\u00e4rdering\u201d. F\u00f6r ytterligare redovisningsprinciper, se not K3.1 \u201dRedovis- ning och bortbokning i balansr\u00e4kningen\u201d, not K3.2 \u201d\u00d6verf\u00f6rda  tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter\u201d och not K3.4 \u201dVerkligt  v\u00e4rde\u201d. In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten Mn euro 31 dec 2022 31 dec 2021 Inl\u00e5ning1 212 444 204 496 \u00c5terk\u00f6psavtal 5 020 1 305 Summa 217 464 205 801 1)  Inl\u00e5ning avseende individuellt pensionssparande (IPS) ing\u00e5r ocks\u00e5. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepositsFromCustomersExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-624": {
   "value": "Klassi\ufb01cering av \ufb01nansiella instrument Tillg\u00e5ngar Finansiella tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen Verkligt v\u00e4rde via \u00f6vrigt total- resultat Summ a  \ufb01nansiell a  Upplupet  anskaffnings- v\u00e4rde  Obligatoriskt Fr\u00e5n b\u00f6rjan v\u00e4rderade till verkligt  v\u00e4rde  (verkligt v\u00e4rde- optionen) Kassa och tillgodohavanden hos centralbanker 61 815 \u2013 \u2013 \u2013 61 81 5 Utl\u00e5ning till centralbanker  6 879 \u2013 \u2013 885 Utl\u00e5ning till kreditinstitut 2 831 1 742 \u2013 \u2013 4 573 Utl\u00e5ning till allm\u00e4nheten 275 116 70 627 \u2013 \u2013 345 743 R\u00e4nteb\u00e4rande v\u00e4rdepapper 3 660 21 417 8 073 30 374 63 524 Pantsatta \ufb01nansiella instrument \u2013 2 661 120 2 121 4 902 Aktier och andelar \u2013 17 924 \u2013 \u2013 17 924 Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 40 289 666 \u2013 40 955 Derivatinstrument \u2013 36 578 \u2013 \u2013 36 578 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer -2 116 \u2013 \u2013 \u2013 -2 116 \u00d6vriga tillg\u00e5ngar1 2 261 6 360 \u2013 \u2013 8 621 F\u00f6rutbetalda kostnader och upplupna int\u00e4kter 475 \u2013 \u2013 \u2013 47 5 Summa 344 048 198 477 8 859 32 495 583 879 1) Varav st\u00e4llda marginals\u00e4kerheter klassi\ufb01cerade i kategorin Finansiella tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen obligatoriskt 6 046 mn euro . Skulder Finansiella skulder v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen Summ a \ufb01nansiell a Upplupet anskaffnings- v\u00e4rde  Obligatoriska Fr\u00e5n b\u00f6rjan  v\u00e4rderade till verkligt  v\u00e4rde  (verkligt v\u00e4rde- optionen) Skulder till kreditinstitut 22 423 10 446 \u2013 32 869 In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten 210 814 6 650 \u2013 217 464 Inl\u00e5ning i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 \u2013 42 776 42 776 Emitterade v\u00e4rdepapper  128 488 \u2013 51 315 179 803 Derivatinstrument  \u2013 40 102 \u2013 40 102 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer -2 175 \u2013 \u2013 -2 175 \u00d6vriga skulder1 5 225 10 202 \u2013 15 427 Upplupna kostnader och f\u00f6rutbetalda int\u00e4kter 7 \u2013 \u2013 7 Efterst\u00e4llda skulder 5 401 \u2013 \u2013 5 401 Summa 370 183 67 400 94 091 531 674 1)  Varav leasingskulder klassi\ufb01cerade i kategorin Upplupet anskaffningsv\u00e4rde 1 080 mn euro . Klassi\ufb01cering av \ufb01nansiella instrument Tillg\u00e5ngar 31 dec 2021, mn euro Finansiella tillg\u00e5ngar v\u00e4rderade  till verkligt v\u00e4rde via resultatr\u00e4kningen Verkligt v\u00e4rde via \u00f6vrigt total- resultat Upplupet  anskaffnings- v\u00e4rde  Obligatoriska Fr\u00e5n b\u00f6rjan v\u00e4rderade till verkligt  v\u00e4rde  (verkligt v\u00e4rde- optionen) Summa \ufb01nansiella tillg\u00e5ngar Kassa och tillgodohavanden hos centralbanker 47 495 \u2013 \u2013 \u2013 47 495 Utl\u00e5ning till centralbanker  5 404 \u2013 \u2013 409 Utl\u00e5ning till kreditinstitut 1 791 192 \u2013 \u2013 1 983 Utl\u00e5ning till allm\u00e4nheten 269 874 75 176 \u2013 \u2013 345 050 R\u00e4nteb\u00e4rande v\u00e4rdepapper 3 448 21 880 4 083 33 972 63 383 Pantsatta \ufb01nansiella instrument \u2013 1 668 \u2013 \u2013 1 668 Aktier och andelar \u2013 15 217 \u2013 \u2013 15 217 Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 46 030 280 \u2013 46 310 Derivatinstrument \u2013 30 200 \u2013 \u2013 30 200 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer -65 \u2013 \u2013 \u2013 -65 \u00d6vriga tillg\u00e5ngar1 829 7 265 \u2013 \u2013 8 094 F\u00f6rutbetalda kostnader och upplupna int\u00e4kter 609 \u2013 \u2013 \u2013 609 Summa 323 986 198 032 4 363 33 972 560 353 1) Varav st\u00e4llda marginals\u00e4kerheter klassi\ufb01cerade i kategorin Finansiella tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen obligatoriskt 6 578 mn euro. Skulder1 31 dec 2021, mn euro Finansiella skulder v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen Upplupet anskaffnings- v\u00e4rde  Obligatoriska Fr\u00e5n b\u00f6rjan  v\u00e4rderade till  verkligt v\u00e4rde (verkligt v\u00e4rde -optionen) Summa \ufb01nansiella tillg\u00e5ngar Skulder till kreditinstitut 23 646 3 315 \u2013 26,961 In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten 203 162 2 639 \u2013 205,801 Inl\u00e5ning i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 \u2013 48 201 48,201 Emitterade v\u00e4rdepapper  118 358 \u2013 58 007 176 365 Derivatinstrument  \u2013 31 485 \u2013 31 485 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer 101 \u2013 \u2013 101 \u00d6vriga skulder2 4 307 11 873 \u2013 16 180 Upplupna kostnader och f\u00f6rutbetalda int\u00e4kter 8 \u2013 \u2013 8 Efterst\u00e4llda skulder 6 850 \u2013 \u2013 6 850 Summa 356 432 49 312 106 208 511 952 1)  Skulder till f\u00f6rs\u00e4kringstagare har under 2022 klassi\ufb01cerats som f\u00f6rs\u00e4kringsavtal och ing\u00e5r inte i upplysningarna ovan. J\u00e4mf\u00f6relsesiffrorna har r\u00e4knats om. 2)  Varav leasingskulder klassi\ufb01cerade i kategorin Upplupet anskaffningsv\u00e4rde 1 147 mn euro . Obligatoriskt v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen Underkategorin \u201dObligatoriskt v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen\u201d inneh\u00e5ller huvudsakligen alla tillg\u00e5ngar och tradingrelaterade skulder inom Markets, r\u00e4nteb\u00e4rande v\u00e4rdepapper i likviditetsreserven, derivat, aktier, hypoteksl\u00e5n i Nordea Kredit Realkreditaktieselskab samt \ufb01nansiella till- g\u00e5ngar under \u201dTillg\u00e5ngar i placeringsportf\u00f6ljer och fondf\u00f6r- s\u00e4kringsavtal\u201d. Inl\u00e5ning i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4k- ringsavtal \u00e4r avtal med kunder och f\u00f6rs\u00e4kringstagare d\u00e4r ris- ken huvudsakligen eller helt tas av f\u00f6rs\u00e4kringstagarna. Inl\u00e5ningsmedlen investeras i olika typer av \ufb01nansiella till- g\u00e5ngar till f\u00f6rm\u00e5n f\u00f6r kunderna och f\u00f6rs\u00e4kringstagarna. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-625": {
   "value": "Finansiella skulder v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen Summ a \ufb01nansiell a Upplupet anskaffnings- v\u00e4rde  Obligatoriska Fr\u00e5n b\u00f6rjan  v\u00e4rderade till verkligt  v\u00e4rde  (verkligt v\u00e4rde- optionen) Skulder till kreditinstitut 22 423 10 446 \u2013 32 869 In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten 210 814 6 650 \u2013 217 464 Inl\u00e5ning i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 \u2013 42 776 42 776 Emitterade v\u00e4rdepapper  128 488 \u2013 51 315 179 803 Derivatinstrument  \u2013 40 102 \u2013 40 102 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer -2 175 \u2013 \u2013 -2 175 \u00d6vriga skulder1 5 225 10 202 \u2013 15 427 Upplupna kostnader och f\u00f6rutbetalda int\u00e4kter 7 \u2013 \u2013 7 Efterst\u00e4llda skulder 5 401 \u2013 \u2013 5 401 Summa 370 183 67 400 94 091 531 674 1)  Varav leasingskulder klassi\ufb01cerade i kategorin Upplupet anskaffningsv\u00e4rde 1 080 mn euro . 31 dec 2021, mn euro Finansiella skulder v\u00e4rderade  till verkligt v\u00e4rde via  resultatr\u00e4kningen Upplupet  anskaffnings- v\u00e4rde  Obligatoriska Fr\u00e5n b\u00f6rjan  v\u00e4rderade till  verkligt v\u00e4rde  (verkligt v\u00e4rde  -optionen) Summa  \ufb01nansiella  tillg\u00e5ngar Skulder till kreditinstitut 23 646 3 315 \u2013 26,961 In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten 203 162 2 639 \u2013 205,801 Inl\u00e5ning i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 \u2013 48 201 48,201 Emitterade v\u00e4rdepapper  118 358 \u2013 58 007 176 365 Derivatinstrument  \u2013 31 485 \u2013 31 485 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer 101 \u2013 \u2013 101 \u00d6vriga skulder2 4 307 11 873 \u2013 16 180 Upplupna kostnader och f\u00f6rutbetalda int\u00e4kter 8 \u2013 \u2013 8 Efterst\u00e4llda skulder 6 850 \u2013 \u2013 6 850 Summa 356 432 49 312 106 208 511 952 1)  Skulder till f\u00f6rs\u00e4kringstagare har under 2022 klassi\ufb01cerats som f\u00f6rs\u00e4kringsavtal och ing\u00e5r inte i upplysningarna ovan. J\u00e4mf\u00f6relsesiffrorna har r\u00e4knats om. 2)  Varav leasingskulder klassi\ufb01cerade i kategorin Upplupet anskaffningsv\u00e4rde 1 147 mn euro . K3.16  \u00d6vriga skulder  Redovisningsprinciper \u00d6vriga skulder \u00e4r skulder som inte uppfyller kriterierna f\u00f6r  n\u00e5gon av de \u00f6vriga skuldposterna. F\u00f6r ytterligare redovisningsprinciper, se not K3.1 \u201dRedovis- ning och bortbokning i balansr\u00e4kningen\u201d, not K3.3 \u201dKlassi\ufb01ce- ring och v\u00e4rdering\u201d och not K3.4 \u201dVerkligt v\u00e4rde\u201d. \u00d6vriga skulder 31 dec 2022, mn euro Finansiella  skulder Icke  \ufb01nansiella  skulder Total Fondlikvidskulder 1 626 \u2013 1 626 S\u00e5lda ej innehavda v\u00e4rdepapper 5 221 \u2013 5 221 Leverant\u00f6rsskulder 485 \u2013 485 Erh\u00e5llna marginals\u00e4kerheter 4 498 \u2013 4 498 Leasingskulder 1 080 \u2013 1 080 \u00d6vriga 2 517 1 377 3 894 Summa 15 427 1 377 16 804 31 dec 2021, mn euro Finansiella  skulder Icke  \ufb01nansiella  skulder Total Fondlikvidskulder 1 154 \u2013 1 154 S\u00e5lda ej innehavda v\u00e4rdepapper 7 906 \u2013 7 906 Leverant\u00f6rsskulder 139 \u2013 139 Erh\u00e5llna marginals\u00e4kerheter 3 506 \u2013 3 506 Leasingskulder 1 147 \u2013 1 147 \u00d6vriga 2 328 2 305 4 633 Summa 16 180 2 305 18 485 ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherLiabilitiesExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-626": {
   "value": "Finansiella skulder v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen Summ a \ufb01nansiell a Upplupet anskaffnings- v\u00e4rde  Obligatoriska Fr\u00e5n b\u00f6rjan  v\u00e4rderade till verkligt  v\u00e4rde  (verkligt v\u00e4rde- optionen) Skulder till kreditinstitut 22 423 10 446 \u2013 32 869 In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten 210 814 6 650 \u2013 217 464 Inl\u00e5ning i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 \u2013 42 776 42 776 Emitterade v\u00e4rdepapper  128 488 \u2013 51 315 179 803 Derivatinstrument  \u2013 40 102 \u2013 40 102 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer -2 175 \u2013 \u2013 -2 175 \u00d6vriga skulder1 5 225 10 202 \u2013 15 427 Upplupna kostnader och f\u00f6rutbetalda int\u00e4kter 7 \u2013 \u2013 7 Efterst\u00e4llda skulder 5 401 \u2013 \u2013 5 401 Summa 370 183 67 400 94 091 531 674 1)  Varav leasingskulder klassi\ufb01cerade i kategorin Upplupet anskaffningsv\u00e4rde 1 080 mn euro . 31 dec 2021, mn euro Finansiella skulder v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen Upplupet anskaffnings- v\u00e4rde  Obligatoriska Fr\u00e5n b\u00f6rjan  v\u00e4rderade till  verkligt v\u00e4rde (verkligt v\u00e4rde -optionen) Summa \ufb01nansiella tillg\u00e5ngar Skulder till kreditinstitut 23 646 3 315 \u2013 26,961 In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten 203 162 2 639 \u2013 205,801 Inl\u00e5ning i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal \u2013 \u2013 48 201 48,201 Emitterade v\u00e4rdepapper  118 358 \u2013 58 007 176 365 Derivatinstrument  \u2013 31 485 \u2013 31 485 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer 101 \u2013 \u2013 101 \u00d6vriga skulder2 4 307 11 873 \u2013 16 180 Upplupna kostnader och f\u00f6rutbetalda int\u00e4kter 8 \u2013 \u2013 8 Efterst\u00e4llda skulder 6 850 \u2013 \u2013 6 850 Summa 356 432 49 312 106 208 511 952 1)  Skulder till f\u00f6rs\u00e4kringstagare har under 2022 klassi\ufb01cerats som f\u00f6rs\u00e4kringsavtal och ing\u00e5r inte i upplysningarna ovan. J\u00e4mf\u00f6relsesiffrorna har r\u00e4knats om. 2)  Varav leasingskulder klassi\ufb01cerade i kategorin Upplupet anskaffningsv\u00e4rde 1 147 mn euro . K3.16  \u00d6vriga skulder Redovisningsprinciper \u00d6vriga skulder \u00e4r skulder som inte uppfyller kriterierna f\u00f6r n\u00e5gon av de \u00f6vriga skuldposterna. F\u00f6r ytterligare redovisningsprinciper, se not K3.1 \u201dRedovis- ning och bortbokning i balansr\u00e4kningen\u201d, not K3.3 \u201dKlassi\ufb01ce- ring och v\u00e4rdering\u201d och not K3.4 \u201dVerkligt v\u00e4rde\u201d. \u00d6vriga skulder 31 dec 2022, mn euro Finansiella skulder Icke \ufb01nansiella skulder Total Fondlikvidskulder 1 626 \u2013 1 626 S\u00e5lda ej innehavda v\u00e4rdepapper 5 221 \u2013 5 221 Leverant\u00f6rsskulder 485 \u2013 485 Erh\u00e5llna marginals\u00e4kerheter 4 498 \u2013 4 498 Leasingskulder 1 080 \u2013 1 080 \u00d6vriga 2 517 1 377 3 894 Summa 15 427 1 377 16 804 31 dec 2021, mn euro Finansiella skulder Icke \ufb01nansiella skulder Total Fondlikvidskulder 1 154 \u2013 1 154 S\u00e5lda ej innehavda v\u00e4rdepapper 7 906 \u2013 7 906 Leverant\u00f6rsskulder 139 \u2013 139 Erh\u00e5llna marginals\u00e4kerheter 3 506 \u2013 3 506 Leasingskulder 1 147 \u2013 1 147 \u00d6vriga 2 328 2 305 4 633 Summa 16 180 2 305 18 485 ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccruedExpensesAndOtherLiabilitiesExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-627": {
   "value": "K3.4 <span class=\"__10 _a_9\"> </span>V<span class=\"__10 _479\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span>Redovisningsprinciper<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde de\ufb01nieras som det pris som vid v<span class=\"__10 _471\"/>\u00e4rderingstid-<span class=\"__10 _469\"> </span>punkten sk<span class=\"__10 _d_9\"/>ulle erh\u00e5llas vid f\u00f6rs\u00e4ljning av en tillg\u00e5ng eller betalas vid \u00f6verl\u00e5<span class=\"__10 _d_9\"/>telse av en skuld i en ordnad tr<span class=\"__10 _d_9\"/>ansaktion mellan marknadsakt\u00f6r<span class=\"__10 _d_9\"/>er. Vid v<span class=\"__10 _d_9\"/>\u00e4rderingen till verkligt v\u00e4rde antas a<span class=\"__10 _471\"/>tt transak<span class=\"__10 _471\"/>tionen sker under ak<span class=\"__10 _471\"/>tuella marknadsf\u00f6rh\u00e5l<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>landen p\u00e5 tillg\u00e5ngens eller skuldens huvudmarknad, eller<span class=\"__10 _479\"/>, om en huvudmarknad saknas, p\u00e5 tillg\u00e5ngens eller skuldens mest f\u00f6r<span class=\"__10 _471\"/>delaktiga marknad.<span class=\"__10 _469\"> </span>Det b\u00e4sta beviset p\u00e5 v<span class=\"__10 _471\"/>erkligt v\u00e4rde \u00e4r f<span class=\"__10 _d_9\"/>\u00f6rekomsten a<span class=\"__10 _d_9\"/>v publicerade prisno<span class=\"__10 _471\"/>teringar p\u00e5 en aktiv marknad och n\u00e4r s\u00e5dana f\u00f6r<span class=\"__10 _471\"/>ekommer anv<span class=\"__10 _471\"/>\u00e4nds de vid v\u00e4rderingen a<span class=\"__10 _d_9\"/>v \ufb01nansiel-<span class=\"__10 _469\"> </span>la tillg\u00e5ngar och \ufb01nansiella skulder<span class=\"__10 _d_9\"/>. En aktiv marknad \u00e4r en marknad d\u00e4r transak<span class=\"__10 _471\"/>tioner med tillg\u00e5ngen eller skulden intr<span class=\"__10 _471\"/><span class=\"__10 _469\">\u00e4ffar tillr</span><span class=\"__10 _d_9\"/>\u00e4ckligt ofta och med tillr\u00e4cklig volym f<span class=\"__10 _d_9\"/>\u00f6r att ge l\u00f6pande prisinf<span class=\"__10 _d_9\"/>ormation. Den absoluta likviditets- och vol<span class=\"__10 _471\"/>ym-<span class=\"__10 _469\"> </span>niv\u00e5n som kr\u00e4<span class=\"__10 _d_9\"/>vs f\u00f6r att marknaden ska anse<span class=\"__10 _471\"/>s vara ak<span class=\"__10 _d_9\"/>tiv varie-<span class=\"__10 _469\"> </span>rar beroende p\u00e5 ins<span class=\"__10 _471\"/>trumentklass. F<span class=\"__10 _d_9\"/>\u00f6r vissa klasser f\u00f6religger l\u00e5g prisvolatilitet, \u00e4<span class=\"__10 _471\"/>ven f<span class=\"__10 _d_9\"/>\u00f6r instrument inom klasser d\u00e4r han-<span class=\"__10 _469\"> </span>delsfrekvens<span class=\"__10 _471\"/>en \u00e4r h\u00f6g. F\u00f6r ins<span class=\"__10 _d_9\"/>trument i s\u00e5dana klasser \u00e4r lik-<span class=\"__10 _469\"> </span>viditetskra<span class=\"__10 _d_9\"/>ven l\u00e4gre och d\u00e4rmed \u00e4r \u00e5ldersgr\u00e4nsen f<span class=\"__10 _471\"/>\u00f6r priserna som anv\u00e4nds f<span class=\"__10 _d_9\"/>\u00f6r att fasts<span class=\"__10 _d_9\"/>t\u00e4lla verkligt v\u00e4rde h\u00f6gre.<span class=\"__10 _469\"> </span>Handelsfrekvens<span class=\"__10 _471\"/>en och volymen \u00f6<span class=\"__10 _d_9\"/>ver<span class=\"__10 _c_9\"/>vakas regelbundet f\u00f6r a<span class=\"__10 _471\"/>tt bed\u00f6ma om marknaderna \u00e4r aktiv<span class=\"__10 _471\"/>a eller int<span class=\"__10 _471\"/>e. Om note-<span class=\"__10 _469\"> </span>rade priser f<span class=\"__10 _d_9\"/>\u00f6r ett \ufb01nansiellt instrument int<span class=\"__10 _d_9\"/>e representer<span class=\"__10 _d_9\"/>ar fak<span class=\"__10 _d_9\"/>tiska och regelbundet f\u00f6rekommande marknads<span class=\"__10 _d_9\"/>transak-<span class=\"__10 _469\"> </span>tioner<span class=\"__10 _d_9\"/>, eller om noterade priser in<span class=\"__10 _d_9\"/>te \ufb01nns tillg\u00e4ngliga, fast-<span class=\"__10 _469\"> </span>st\u00e4lls det verkliga v<span class=\"__10 _d_9\"/>\u00e4rdet med hj\u00e4lp av l\u00e4mplig v\u00e4rderingsme-<span class=\"__10 _469\"> </span>tod. V<span class=\"__10 _d_9\"/>\u00e4rderingsmetodens l\u00e4mplighet, inklusive en bed\u00f6mning av om no<span class=\"__10 _d_9\"/>terade priser eller teoretiska priser ska an<span class=\"__10 _471\"/>v\u00e4ndas, \u00f6vervakas r<span class=\"__10 _471\"/>egelbundet.<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>\u00e4rderingsmetoderna kan variera f<span class=\"__10 _471\"/>r\u00e5n enkel anal<span class=\"__10 _d_9\"/>ys av  <span class=\"__10 _2f_4\"/>diskon<span class=\"__10 _d_9\"/>terade kassafl\u00f6den till komple<span class=\"__10 _471\"/>xa optionsv\u00e4r<span class=\"__10 _d_9\"/>derings-<span class=\"__10 _469\"> </span>modeller<span class=\"__10 _d_9\"/>. V<span class=\"__10 _471\"/>\u00e4rderingsmodellerna har utf<span class=\"__10 _471\"/>ormats s\u00e5 att obser-<span class=\"__10 _469\"> </span>verbara marknadspriser och k<span class=\"__10 _d_9\"/>ur<span class=\"__10 _c_9\"/>ser anv\u00e4nds s<span class=\"__10 _471\"/>om indata i f\u00f6r<span class=\"__10 _471\"/>ekommande fall, men \u00e4<span class=\"__10 _d_9\"/>ven icke observerbara modell <span class=\"__10 _558\"/>-<span class=\"__10 _469\"> </span>parametrar kan an<span class=\"__10 _d_9\"/>v\u00e4ndas. V\u00e4r<span class=\"__10 _d_9\"/>deringsmodellens l\u00e4mplighet bed\u00f6ms genom att m\u00e4ta dess f<span class=\"__10 _d_9\"/>\u00f6rm\u00e5ga att matcha marknads-<span class=\"__10 _469\"> </span>priser<span class=\"__10 _d_9\"/>. Detta g\u00f6rs genom att j\u00e4mf<span class=\"__10 _d_9\"/>\u00f6ra ber\u00e4knade priser med relevan<span class=\"__10 _d_9\"/>t j\u00e4mf\u00f6rels<span class=\"__10 _471\"/>edata, t.ex. b\u00f6rsk<span class=\"__10 _471\"/>urser<span class=\"__10 _d_9\"/>, motpartens v\u00e4rde-<span class=\"__10 _469\"> </span>ringar eller konsensuspriser<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>F\u00f6r \ufb01nansiella ins<span class=\"__10 _471\"/>trument d\u00e4r v<span class=\"__10 _471\"/>erkligt v\u00e4rde uppska<span class=\"__10 _d_9\"/>ttas med hj\u00e4lp av en v<span class=\"__10 _d_9\"/>\u00e4rderingsmetod unders\u00f6ks om de variabler som anv\u00e4n<span class=\"__10 _d_9\"/>ts i v\u00e4rderingsmodellen till \u00f6verv\u00e4gande del base-<span class=\"__10 _469\"> </span>rats p\u00e5 da<span class=\"__10 _471\"/>ta fr\u00e5n obs<span class=\"__10 _471\"/>erverbara marknader<span class=\"__10 _d_9\"/>. Med data fr<span class=\"__10 _d_9\"/>\u00e5n observerbara marknader a<span class=\"__10 _d_9\"/>vser Nordea data som kan inh\u00e4m-<span class=\"__10 _469\"> </span>tas fr\u00e5n allm\u00e4n<span class=\"__10 _d_9\"/>t tillg\u00e4ngliga externa k\u00e4llor och som bed\u00f6ms utg\u00f6ra realis<span class=\"__10 _d_9\"/>tiska marknadspriser<span class=\"__10 _471\"/>. Vid anv\u00e4ndning a<span class=\"__10 _d_9\"/>v icke observerbara data, s<span class=\"__10 _471\"/>om har en betydande inv<span class=\"__10 _471\"/>erkan p\u00e5 v\u00e4rde-<span class=\"__10 _469\"> </span>ringen, kan instrumen<span class=\"__10 _471\"/>tet vid f<span class=\"__10 _471\"/>\u00f6rsta redovisnings<span class=\"__10 _d_9\"/>tillf\u00e4llet inte redovisas till det verkliga v<span class=\"__10 _d_9\"/>\u00e4rde som ber\u00e4knats via v\u00e4r<span class=\"__10 _471\"/>de-<span class=\"__10 _469\"> </span>ringsmetoden, och even<span class=\"__10 _d_9\"/>tuella initiala vinster periodiseras d\u00e4r-<span class=\"__10 _469\"> </span>f\u00f6r i r<span class=\"__10 _471\"/>esultatr<span class=\"__10 _d_9\"/>\u00e4kningen \u00f6ver instrument<span class=\"__10 _471\"/>ets l\u00f6ptid. De initiala vinsterna redo<span class=\"__10 _d_9\"/>visas d\u00e4refter direkt i re<span class=\"__10 _471\"/>sultatr<span class=\"__10 _d_9\"/>\u00e4kningen i det fall icke obs<span class=\"__10 _471\"/>erverbara data blir observerbar<span class=\"__10 _d_9\"/>a.<span class=\"__10 _469\"> </span>Tillg\u00e5ngar och skulder v\u00e4r<span class=\"__10 _471\"/>deras till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde utifr\u00e5n de tre niv\u00e5erna i IFRS-hier<span class=\"__10 _471\"/>arkin f\u00f6r v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde. Hierarkin ger h\u00f6gst prioritet till not<span class=\"__10 _d_9\"/>erade priser (ojuster<span class=\"__10 _471\"/>ade) p\u00e5 ak<span class=\"__10 _471\"/>tiva marknader f\u00f6r iden<span class=\"__10 _d_9\"/>tiska tillg\u00e5ngar och skulder (niv\u00e5 1) och l\u00e4gst prioritet till ej observerbar indat<span class=\"__10 _471\"/>a (niv\u00e5 3). Klassi\ufb01ce-<span class=\"__10 _469\"> </span>ringen av dessa ins<span class=\"__10 _d_9\"/>trument baseras p\u00e5 den l\u00e4gsta niv<span class=\"__10 _d_9\"/>\u00e5 indata som \u00e4r v\u00e4sen<span class=\"__10 _d_9\"/>tlig f\u00f6r verkligt v\u00e4rde-v<span class=\"__10 _d_9\"/>\u00e4rderingen i sin helhet<span class=\"__10 _c_9\"/>.<span class=\"__10 _469\"> </span>Niv\u00e5 1 i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4rde utg\u00f6rs a<span class=\"__10 _d_9\"/>v tillg\u00e5ngar och skulder som v\u00e4r<span class=\"__10 _d_9\"/>derats med hj\u00e4lp av ojus<span class=\"__10 _471\"/>terade no<span class=\"__10 _471\"/>terade pri-<span class=\"__10 _469\"> </span>ser p\u00e5 aktiv<span class=\"__10 _d_9\"/>a marknader f\u00f6r identiska tillg\u00e5ngar och skulder<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>En aktiv marknad \u00e4r en marknad d\u00e4r tr<span class=\"__10 _471\"/>ansaktioner med till<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>g\u00e5ngen eller skulden in<span class=\"__10 _471\"/><span class=\"__10 _469\">tr\u00e4ff</span><span class=\"__10 _d_9\"/>ar tillr\u00e4ckligt ofta och med till-<span class=\"__10 _469\"> </span>r\u00e4cklig vol<span class=\"__10 _d_9\"/>ym f\u00f6r att ge l\u00f6pande prisinf<span class=\"__10 _d_9\"/>ormation. Niv\u00e5 2 i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4rde utg\u00f6rs a<span class=\"__10 _d_9\"/>v tillg\u00e5ngar och skulder som in<span class=\"__10 _471\"/>te har noter<span class=\"__10 _d_9\"/>ade marknadspriser direkt tillg\u00e4ng-<span class=\"__10 _469\"> </span>liga fr\u00e5n ak<span class=\"__10 _d_9\"/>tiva marknader<span class=\"__10 _d_9\"/>. Verkligt v<span class=\"__10 _471\"/>\u00e4rde baseras p\u00e5 no<span class=\"__10 _d_9\"/>te-<span class=\"__10 _469\"> </span>rade priser f<span class=\"__10 _d_9\"/>\u00f6r liknande tillg\u00e5ngar eller skulder p\u00e5 aktiva marknader<span class=\"__10 _d_9\"/>, eller noterade priser p\u00e5 iden<span class=\"__10 _d_9\"/>tiska eller liknande tillg\u00e5ngar eller skulder p\u00e5 marknader som in<span class=\"__10 _d_9\"/>te \u00e4r aktiva. V<span class=\"__10 _d_9\"/>erk-<span class=\"__10 _469\"> </span>ligt v\u00e4rde kan ocks\u00e5 ber<span class=\"__10 _d_9\"/>\u00e4knas med hj\u00e4lp av v\u00e4rderingsmeto-<span class=\"__10 _469\"> </span>der eller v\u00e4rderingsmodeller som bas<span class=\"__10 _471\"/>eras p\u00e5 marknadspriser eller indata p\u00e5 balansdagen, om ev<span class=\"__10 _d_9\"/>entuella ej observerbara indata har haft en obety<span class=\"__10 _471\"/>dlig inverkan p\u00e5 de v<span class=\"__10 _d_9\"/>erkliga v\u00e4rdena.<span class=\"__10 _469\"> </span>Niv\u00e5 3 i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4rde utg\u00f6rs a<span class=\"__10 _d_9\"/>v de tillg\u00e5ngar och skulder f<span class=\"__10 _471\"/>\u00f6r vilka verkliga v\u00e4r<span class=\"__10 _d_9\"/>den inte kan erh\u00e5llas direk<span class=\"__10 _471\"/>t fr\u00e5n no<span class=\"__10 _471\"/>terade marknadspriser eller indir<span class=\"__10 _d_9\"/>ekt via v\u00e4rderingsme-<span class=\"__10 _469\"> </span>toder eller v\u00e4rderingsmodell<span class=\"__10 _471\"/>er som bygger p\u00e5 observerbar<span class=\"__10 _d_9\"/>a marknadspriser eller indata.<span class=\"__10 _469\"> </span>Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__10 _d_9\"/>ttningar Kritiska bed\u00f6mningar med betydande inv<span class=\"__10 _471\"/>erkan p\u00e5 redovisade belopp f\u00f6r \ufb01nansiella ins<span class=\"__10 _471\"/>trument g\u00f6rs i samband med f<span class=\"__10 _471\"/>ast-<span class=\"__10 _469\"> </span>st\u00e4llande a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde p\u00e5 O<span class=\"__10 _d_9\"/>TC<span class=\"__10 _479\"/>-<span class=\"__10 _c_9\"/>derivat och andr<span class=\"__10 _471\"/>a \ufb01nan-<span class=\"__10 _469\"> </span>siella instrument s<span class=\"__10 _471\"/>om saknar noter<span class=\"__10 _471\"/>ade kurser eller nyligen observerade marknadskurser<span class=\"__10 _479\"/>, s\u00e5som onoterade ak<span class=\"__10 _471\"/>tier<span class=\"__10 _d_9\"/>. Bed\u00f6mningarna omf<span class=\"__10 _d_9\"/>attar f\u00f6ljande:<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">V<span class=\"__10 _d_9\"/>al av v\u00e4r<span class=\"__10 _d_9\"/>deringsmetoder<span class=\"__10 _471\"/>.<span class=\"__10 _469\"> </span></span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Bed\u00f6mning av n\u00e4r no<span class=\"__10 _d_9\"/>terade kurser inte mo<span class=\"__10 _471\"/>tsvarar v<span class=\"__10 _d_9\"/>erkligt </span>v\u00e4rde (bland anna<span class=\"__10 _471\"/>t bed\u00f6mning av om marknaden \u00e4r ak<span class=\"__10 _d_9\"/>tiv).<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Ber\u00e4kning a<span class=\"__10 _d_9\"/>v justeringar till verkligt v\u00e4rde f<span class=\"__10 _d_9\"/>\u00f6r att beakta rel<span class=\"__10 _d_9\"/><span class=\"ws0_10\">-<span class=\"__10 _469\"> </span></span></span>evan<span class=\"__10 _d_9\"/>ta riskfaktor<span class=\"__10 _471\"/>er s\u00e5som kreditrisk, modellrisk och likviditetsrisk.<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Bed\u00f6mning av vilka marknadspar<span class=\"__10 _d_9\"/>ametrar som kan </span>observeras.<span class=\"__10 _469\"> </span>De kritiska bed\u00f6mningarna som kr\u00e4<span class=\"__10 _d_9\"/>vs vid fastst\u00e4llandet a<span class=\"__10 _d_9\"/>v verkligt v\u00e4r<span class=\"__10 _471\"/>de p\u00e5 \ufb01nansiella instrument s<span class=\"__10 _471\"/>om saknar noter<span class=\"__10 _471\"/>ade kurser eller nyligen observer<span class=\"__10 _471\"/>ade marknadskurser medf\u00f6r ocks\u00e5 en h\u00f6g grad a<span class=\"__10 _d_9\"/>v os\u00e4kerhet i uppskattningarna.<span class=\"__10 _469\"> </span>I samtliga f<span class=\"__10 _d_9\"/>all baseras besluten p\u00e5 en prof<span class=\"__10 _d_9\"/>essionell bed\u00f6m-<span class=\"__10 _469\"> </span>ning i enlighet med Nordeas redovisnings- och v<span class=\"__10 _d_9\"/>\u00e4rderings-<span class=\"__10 _469\"> </span>principer<span class=\"__10 _d_9\"/>. Det verkliga v\u00e4rdet p\u00e5 \ufb01nansiella tillg\u00e5ngar och skulder v\u00e4r<span class=\"__10 _471\"/>derade med hj\u00e4lp a<span class=\"__10 _d_9\"/>v en v\u00e4rderingsmetod, niv\u00e5 2 och 3 i v\u00e4rderingshier<span class=\"__10 _471\"/><span class=\"__10 _469\">arkin, uppgick till 158 546 mn euro </span>(157 336 mn euro<span class=\"__10 _471\"/>) respek<span class=\"__10 _471\"/><span class=\"__10 _469\">tive 118 626 mn euro (112 568 mn </span>euro) vid \u00e5r<span class=\"__10 _471\"/>ets slut. V\u00e4r<span class=\"__10 _d_9\"/>deringsjusteringar (CV<span class=\"__10 _d_9\"/>A, DV<span class=\"__10 _479\"/>A<span class=\"__10 _c_9\"/>, FFV<span class=\"__10 _d_9\"/>A, NFV<span class=\"__10 _479\"/>A<span class=\"__10 _c_9\"/>, k\u00f6p/s\u00e4lj-jus<span class=\"__10 _471\"/>teringar<span class=\"__10 _d_9\"/>, modellriskjusteringar och just<span class=\"__10 _471\"/>e-<span class=\"__10 _469\"> </span>ringar f\u00f6r v<span class=\"__10 _471\"/>ariationer i oberoende prisk<span class=\"__10 _471\"/>ontroller) s<span class=\"__10 _471\"/>om g\u00f6rs f\u00f6r att f<span class=\"__10 _471\"/>astst\u00e4lla v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde p\u00e5 \ufb01nansiella instrument (inklu-<span class=\"__10 _469\"> </span>sive de som v\u00e4r<span class=\"__10 _d_9\"/>deras till verkligt v\u00e4rde via \u00f6vrigt t<span class=\"__10 _471\"/>otalresul<span class=\"__10 _d_9\"/>tat) p\u00e5v<span class=\"__10 _d_9\"/><span class=\"__10 _469\">erkade eget kapital negativt med -47 mn euro (-121 mn </span>euro). Upplysningar om k\u00e4nslighetsanal<span class=\"__10 _471\"/>ysen f\u00f6r v<span class=\"__10 _d_9\"/>erkliga v\u00e4rden p\u00e5 \ufb01nansiella instrument med bety<span class=\"__10 _d_9\"/>dande icke-obser<span class=\"__10 _c_9\"/>verbara indata \ufb01nns i tabellen \u201dV<span class=\"__10 _d_9\"/>\u00e4rderingsmetoder och indat<span class=\"__10 _471\"/>a som anv\u00e4nds vid v<span class=\"__10 _471\"/>\u00e4rderingen till verkligt v<span class=\"__10 _471\"/>\u00e4rde i niv\u00e5 3\u201d i den h\u00e4r noten.<span class=\"__10 _469\"> </span>Os\u00e4kerhet i uppskattningar upps<span class=\"__10 _471\"/>t\u00e5r \u00e4<span class=\"__10 _471\"/>ven vid f<span class=\"__10 _471\"/>\u00f6rsta redo-<span class=\"__10 _469\"> </span>visningstillf<span class=\"__10 _471\"/>\u00e4llet f\u00f6r \ufb01nansiella ins<span class=\"__10 _d_9\"/>trument som utg\u00f6r en del av st\u00f6rre s<span class=\"__10 _d_9\"/>trukturella transak<span class=\"__10 _d_9\"/>tioner. <span class=\"__10 _d_9\"/>\u00c4v<span class=\"__10 _d_9\"/>en om den efterf\u00f6ljande v\u00e4rderingen in<span class=\"__10 _d_9\"/>te \u00e4r till verkligt v\u00e4rde redo<span class=\"__10 _471\"/>visas dessa instru-<span class=\"__10 _469\"> </span><span class=\"__10 _469\">ment vid anskaff</span><span class=\"__10 _d_9\"/>ningstillf\u00e4llet till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de och d\u00e5 det normalt int<span class=\"__10 _471\"/>e \ufb01nns n\u00e5got separ<span class=\"__10 _471\"/>at transak<span class=\"__10 _d_9\"/>tionspris eller n\u00e5gon aktiv marknad f<span class=\"__10 _d_9\"/>\u00f6r dylika individuella instrument m\u00e5ste det verkliga v\u00e4r<span class=\"__10 _471\"/>det estimeras<span class=\"__10 _469\"> </span>.<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde p\u00e5 \ufb01nansiella tillg\u00e5ngar och skulder<span class=\"__10 _469\"> </span>31 dec 2022<span class=\"__10 _559\"> </span>31 dec 2021<span class=\"__10 _469\"> </span>Mn euro<span class=\"__10 _469\"> </span>Redovisat v\u00e4rde<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span>Redovisat v\u00e4rde<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar<span class=\"__10 _469\"> </span>Kassa och tillgodohav<span class=\"__10 _471\"/>anden hos centr<span class=\"__10 _471\"/>albanker<span class=\"__10 _8a_2\"> </span>61 815<span class=\"__10 _1f_6\"> </span>61 815<span class=\"__10 _2a_4\"> </span>47 495<span class=\"__10 _4a_2\"> </span>47 495<span class=\"__10 _469\"> </span>Utl\u00e5ning<span class=\"__10 _4c_2\"> </span>349 085<span class=\"__10 _6f_2\"> </span>350 232<span class=\"__10 _531\"> </span>347 377<span class=\"__10 _6c_2\"> </span>349 382<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/>ande v\u00e4rdepapper<span class=\"__10 _3a_5\"> </span>63 524<span class=\"__10 _5c_2\"> </span>63 312<span class=\"__10 _2a_4\"> </span>63 383<span class=\"__10 _4a_2\"> </span>63 495<span class=\"__10 _469\"> </span>Pan<span class=\"__10 _471\"/>tsatta \ufb01nansiella instrument<span class=\"__10 _8b_2\"> </span>4 902<span class=\"__10 _515\"> </span>4 902<span class=\"__10 _483\"> </span>1 668<span class=\"__10 _487\"> </span>1 668<span class=\"__10 _469\"> </span>Aktier och andelar<span class=\"__10 _8c_2\"> </span>17 924<span class=\"__10 _5c_2\"> </span>17 924<span class=\"__10 _538\"> </span>15 217<span class=\"__10 _538\"> </span>15 217<span class=\"__10 _469\"> </span>Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s\u00e4kringsavtal<span class=\"__10 _520\"> </span><span class=\"ls0_10 ws0_10\">40 955<span class=\"__10 _4a_2\"> </span>40 955<span class=\"__10 _491\"> </span>46 310<span class=\"__10 _2a_4\"> </span>46 310<span class=\"__10 _469\"> </span></span>Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _8c_2\"> </span>36 578<span class=\"__10 _2a_4\"> </span>36 578<span class=\"__10 _4a_2\"> </span>30 200<span class=\"__10 _4a_2\"> </span>30 200<span class=\"__10 _469\"> </span>\u00d6vriga tillg\u00e5ngar<span class=\"__10 _519\"> </span>8 621<span class=\"__10 _483\"> </span>8 621<span class=\"__10 _514\"> </span>8 094<span class=\"__10 _5a_2\"> </span>8 094<span class=\"__10 _469\"> </span>F\u00f6rutbetalda k<span class=\"__10 _471\"/>ostnader och upplupna int\u00e4k<span class=\"__10 _d_9\"/>ter<span class=\"__10 _3e_4\"> </span><span class=\"ls0_10\">475<span class=\"__10 _498\"> </span>475<span class=\"__10 _545\"> </span> 609<span class=\"__10 _545\"> </span> 609<span class=\"__10 _469\"> </span></span>Summa<span class=\"__10 _8d_2\"> </span>583 879<span class=\"__10 _522\"> </span>584 814<span class=\"__10 _522\"> </span>560 353<span class=\"__10 _522\"> </span>562 470<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde p\u00e5 \ufb01nansiella tillg\u00e5ngar och skulder<span class=\"__10 _479\"/>, forts.<span class=\"__10 _469\"> </span>31 dec 2022<span class=\"__10 _559\"> </span>31 dec 2021<span class=\"__10 _469\"> </span>Mn euro<span class=\"__10 _469\"> </span>Redovisat v\u00e4rde<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span>Redovisat v\u00e4rde<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span>Finansiella skulder<span class=\"__10 _469\"> </span>Inl\u00e5ning och skuldinstrumen<span class=\"__10 _471\"/>t<span class=\"__10 _555\"> </span>433 362<span class=\"__10 _6f_2\"> </span>4<span class=\"__10 _c_9\"/>33 372<span class=\"__10 _6f_2\"> </span>416 078<span class=\"__10 _531\"> </span>416 770<span class=\"__10 _469\"> </span>Inl\u00e5ning i placeringsportf\u00f6ljer och fondf<span class=\"__10 _d_9\"/>\u00f6r-<span class=\"__10 _469\"> </span>s\u00e4kringsavtal<span class=\"__10 _550\"> </span><span class=\"ls4_9 ws7_9\">42 7<span class=\"__10 _c_9\"/>76<span class=\"__10 _491\"> </span>4<span class=\"__10 _c_9\"/>2 776<span class=\"__10 _491\"> </span></span>48 201<span class=\"__10 _491\"> </span>48 201<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _536\"> </span>40 102<span class=\"__10 _2a_4\"> </span>40 102<span class=\"__10 _491\"> </span>31 485<span class=\"__10 _491\"> </span>31 4<span class=\"__10 _c_9\"/>85<span class=\"__10 _469\"> </span><span class=\"__10 _469\">\u00d6vriga skulder1 </span><span class=\"__10 _519\"> </span>14 347<span class=\"__10 _5c_2\"> </span>14 347<span class=\"__10 _5c_2\"> </span>15 033<span class=\"__10 _491\"> </span>15 033<span class=\"__10 _469\"> </span>Upplupna kostnader och f\u00f6rutbetalda int\u00e4k<span class=\"__10 _d_9\"/>ter<span class=\"__10 _8e_2\"> </span>7<span class=\"__10 _5e_2\"> </span>7<span class=\"__10 _3f_4\"> </span> 8<span class=\"__10 _3f_4\"> </span> 8<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _8d_2\"> </span>530 594<span class=\"__10 _476\"> </span>530 604<span class=\"__10 _6c_2\"> </span>510 805<span class=\"__10 _531\"> </span>511 497<span class=\"__10 _469\"> </span>1)  Leasingskulder presen<span class=\"__10 _471\"/>terade p\u00e5 raden \u201d\u00d6vriga skul<span class=\"__10 _471\"/>der<span class=\"__10 _c_9\"/>\u201d i not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d \u00e4r exkl<span class=\"__10 _471\"/>uderade i denna tabell.<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde f<span class=\"__10 _471\"/>\u00f6r poster som redo<span class=\"__10 _d_9\"/>visats till verkligt v\u00e4r<span class=\"__10 _471\"/>de i balansr\u00e4kningen<span class=\"__10 _469\"> </span>F<span class=\"__10 _d_9\"/>astst\u00e4llande a<span class=\"__10 _471\"/>v verkligt v\u00e4r<span class=\"__10 _d_9\"/>de<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>\u00e4rderingsmodellerna som Nordea anv\u00e4nder \u00f6<span class=\"__10 _471\"/>verenss<span class=\"__10 _471\"/>t\u00e4m-<span class=\"__10 _469\"> </span>mer med accept<span class=\"__10 _471\"/>erade ekonomiska met<span class=\"__10 _471\"/>oder f\u00f6r priss\u00e4<span class=\"__10 _471\"/>ttning av \ufb01nansiella ins<span class=\"__10 _d_9\"/>trument och tar h\u00e4nsyn till alla fak<span class=\"__10 _471\"/>torer som marknadsakt\u00f6r<span class=\"__10 _d_9\"/>er skulle beakta vid priss\u00e4ttning. V<span class=\"__10 _479\"/>arje ny v\u00e4r-<span class=\"__10 _469\"> </span>deringsmodell godk\u00e4nns av modellriskk<span class=\"__10 _d_9\"/>ommitt\u00e9n (Model Risk Committee) och alla modeller gr<span class=\"__10 _471\"/>anskas regelbundet. Komple<span class=\"__10 _d_9\"/>xa v\u00e4rderingsmodeller brukar k\u00e4nnetecknas a<span class=\"__10 _d_9\"/>v att de anv\u00e4nder sig a<span class=\"__10 _d_9\"/>v icke-observerbara och modellspeci\ufb01ka indata. <span class=\"__10 _d_9\"/>Alla v\u00e4rderingsmodeller<span class=\"__10 _d_9\"/>, b\u00e5de komplexa och enkla, anv\u00e4nder sig a<span class=\"__10 _d_9\"/>v marknadspriser och indata, bland annat r\u00e4n<span class=\"__10 _d_9\"/>tor<span class=\"__10 _d_9\"/>,<span class=\"__10 _c_9\"/> volatilitet och k<span class=\"__10 _d_9\"/>orrelation. Vissa marknadspriser och indata \u00e4r observerbara, medan andra in<span class=\"__10 _d_9\"/>te \u00e4r det<span class=\"__10 _c_9\"/>. F\u00f6r de fles<span class=\"__10 _d_9\"/>ta vanliga valutor \u00e4r r<span class=\"__10 _d_9\"/>\u00e4ntorna observerbara, och de implicita vola<span class=\"__10 _d_9\"/>tilitets-<span class=\"__10 _c_9\"/> och korrelations<span class=\"__10 _d_9\"/>talen f\u00f6r dessa valut<span class=\"__10 _471\"/>or och r\u00e4n<span class=\"__10 _471\"/>tor \u00e4r observer<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>bara genom optionspriser upp till en viss l\u00f6p<span class=\"__10 _d_9\"/>tid. Implicita vola<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>tilitets- och korrela<span class=\"__10 _d_9\"/>tionstal \u00e4r ocks\u00e5 observerbara f\u00f6r de mes<span class=\"__10 _471\"/>t likvida aktieins<span class=\"__10 _471\"/>trumenten. F<span class=\"__10 _d_9\"/>\u00f6r mindre likvida aktieinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _c_9\"/> \u00e4r optionsmarknaden t\u00e4mligen illikvid, och d\u00e4rf\u00f6r \u00e4r de impli<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>cita volatilit<span class=\"__10 _471\"/>ets- och korrelations<span class=\"__10 _d_9\"/>talen inte observerbara.<span class=\"__10 _469\"> </span>Nordea anv<span class=\"__10 _471\"/>\u00e4nder fr\u00e4ms<span class=\"__10 _471\"/>t publicerade prisno<span class=\"__10 _471\"/>teringar f<span class=\"__10 _471\"/>\u00f6r att fas<span class=\"__10 _471\"/>tst\u00e4lla verkligt v<span class=\"__10 _d_9\"/>\u00e4rde p\u00e5 instrument som redo<span class=\"__10 _d_9\"/>visas under f\u00f6ljande balanspos<span class=\"__10 _471\"/>ter:<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">R\u00e4nteb\u00e4r<span class=\"__10 _d_9\"/>ande v\u00e4rdepapper<span class=\"__10 _469\"> </span></span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Aktier och andelar (no<span class=\"__10 _471\"/>terade<span class=\"__10 _471\"/>)<span class=\"__10 _469\"> </span></span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Derivatins<span class=\"__10 _471\"/>trument (no<span class=\"__10 _471\"/>terade<span class=\"__10 _471\"/>)<span class=\"__10 _469\"> </span></span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Emitterade v<span class=\"__10 _471\"/>\u00e4rdepapper (emitter<span class=\"__10 _d_9\"/>ade bostadsobligationer </span><span class=\"__10 _469\">i </span><span class=\"__10 _d_9\"/>Nordea<span class=\"wsa_9\"> Kredit Realkreditak<span class=\"__10 _d_9\"/>tieselskab).<span class=\"__10 _469\"> </span></span>Nordea anv<span class=\"__10 _471\"/>\u00e4nder fr\u00e4ms<span class=\"__10 _471\"/>t v\u00e4rderingsmet<span class=\"__10 _471\"/>oder f\u00f6r a<span class=\"__10 _471\"/>tt fas<span class=\"__10 _471\"/>tst\u00e4lla verkligt v\u00e4r<span class=\"__10 _471\"/>de p\u00e5 instrument s<span class=\"__10 _471\"/>om redovisas under f<span class=\"__10 _d_9\"/>\u00f6ljande balansposter:<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Utl\u00e5ning till allm\u00e4nheten (hypot<span class=\"__10 _d_9\"/>eksl\u00e5n i <span class=\"ws0_10\">Nordea</span> Kredit </span>Realkreditak<span class=\"__10 _d_9\"/>tieselskab)<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">R\u00e4nteb\u00e4r<span class=\"__10 _d_9\"/>ande v\u00e4rdepapper (n\u00e4r prisnoteringar p\u00e5 en ak<span class=\"__10 _471\"/>tiv </span>marknad saknas)<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Aktier och andelar (n\u00e4r prisno<span class=\"__10 _471\"/>teringar p\u00e5 en aktiv marknad </span>saknas)<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Derivatins<span class=\"__10 _471\"/>trument (<span class=\"__10 _d_9\"/>OT<span class=\"__10 _d_9\"/>C<span class=\"__10 _d_9\"/>-<span class=\"__10 _c_9\"/>derivat).<span class=\"__10 _469\"> </span></span>F\u00f6r r<span class=\"__10 _d_9\"/>\u00e4nteb\u00e4rande v\u00e4rdepapper g\u00f6rs uppdelningen i de tr<span class=\"__10 _471\"/>e niv\u00e5erna mot bak<span class=\"__10 _471\"/>grund av den in<span class=\"__10 _d_9\"/>terna v\u00e4rderingsmetoden. V<span class=\"__10 _d_9\"/>\u00e4rderingen av dessa instrumen<span class=\"__10 _d_9\"/>t kan antingen vara bas<span class=\"__10 _471\"/>erade p\u00e5 direkt<span class=\"__10 _471\"/>a noteringar p\u00e5 en ak<span class=\"__10 _d_9\"/>tiv marknad (niv\u00e5 1) eller v\u00e4r-<span class=\"__10 _469\"> </span>derade med hj\u00e4lp a<span class=\"__10 _d_9\"/>v en metod d\u00e4r priset baseras p\u00e5 obser-<span class=\"__10 _469\"> </span>verbara marknadsda<span class=\"__10 _d_9\"/>ta (niv\u00e5 2). Om p\u00e5verkan f<span class=\"__10 _d_9\"/>r\u00e5n ej obser-<span class=\"__10 _469\"> </span>verbara par<span class=\"__10 _471\"/>ametrar p\u00e5 v\u00e4r<span class=\"__10 _d_9\"/>deringen av obligationen \u00e4r v\u00e4sen<span class=\"__10 _d_9\"/>t<span class=\"ws0_10\">-<span class=\"__10 _469\"> </span></span>lig klassi\ufb01ceras obliga<span class=\"__10 _471\"/>tionen som niv\u00e5 3 i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4rde.<span class=\"__10 _469\"> </span>F\u00f6r O<span class=\"__10 _d_9\"/>T<span class=\"__10 _471\"/>C<span class=\"__10 _d_9\"/>-derivat anv\u00e4nds v<span class=\"__10 _d_9\"/>\u00e4rderingsmodeller f\u00f6r att f<span class=\"__10 _471\"/>ast-<span class=\"__10 _469\"> </span>st\u00e4lla verkligt v<span class=\"__10 _d_9\"/>\u00e4rde. Modellerna har vanligtvis utvecklats intern<span class=\"__10 _d_9\"/>t och baseras p\u00e5 antaganden om beteenden hos de underliggande tillg\u00e5ngarna och statis<span class=\"__10 _d_9\"/>tiska scenarioanalyser<span class=\"__10 _d_9\"/>. De flesta O<span class=\"__10 _d_9\"/>TC<span class=\"__10 _479\"/>-derivat h\u00e4nf<span class=\"__10 _471\"/>\u00f6rs till niv\u00e5 2 i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4rde, vilket bety<span class=\"__10 _d_9\"/>der att alla v\u00e4sentliga inda<span class=\"__10 _471\"/>ta och modellpa-<span class=\"__10 _469\"> </span>rametrar kan obs<span class=\"__10 _471\"/>erveras p\u00e5 aktiv<span class=\"__10 _d_9\"/>a marknader.<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>\u00e4rderingen av riskkapitalf<span class=\"__10 _d_9\"/>onder och onoterade aktier \u00e4r till sin karak<span class=\"__10 _d_9\"/>t\u00e4r mer os\u00e4ker \u00e4n v\u00e4rdering av mer ak<span class=\"__10 _d_9\"/>tivt hand-<span class=\"__10 _469\"> </span>lade aktieins<span class=\"__10 _471\"/>trument. Nordea l\u00e4gger vikt vid ett k<span class=\"__10 _d_9\"/>onsekvent tillv\u00e4gag\u00e5ngss\u00e4<span class=\"__10 _d_9\"/>tt b\u00e5de n\u00e4r det g\u00e4ller olika tillg\u00e5ngar och \u00f6ver tiden. Metoderna som till\u00e4mpas f<span class=\"__10 _471\"/>\u00f6ljer anvisningarna i \u201dIn<span class=\"__10 _471\"/>ter-<span class=\"__10 _469\"> </span>national Priva<span class=\"__10 _471\"/>te E<span class=\"__10 _471\"/>quity and V<span class=\"__10 _d_9\"/>enture Capital V<span class=\"__10 _479\"/>aluation Guideli-<span class=\"__10 _469\"> </span>nes\u201d<span class=\"__10 _479\"/>, som utf\u00e4rdats a<span class=\"__10 _d_9\"/>v IPEV Board. Dessa anvisningar anv\u00e4nds som b\u00e4s<span class=\"__10 _d_9\"/>ta praxis i riskkapitalbranschen. F<span class=\"__10 _d_9\"/>\u00f6r USA-<span class=\"__10 _469\"> </span>baserade f<span class=\"__10 _d_9\"/>onder anv\u00e4nds liknande metoder<span class=\"__10 _d_9\"/>. Nordea har ocks\u00e5 l\u00e5n och emitterade sk<span class=\"__10 _d_9\"/>uldebrev i dotterf\u00f6-<span class=\"__10 _469\"> </span>retaget Nordea Kr<span class=\"__10 _471\"/>edit Realkreditak<span class=\"__10 _d_9\"/>tieselskab, v\u00e4rder<span class=\"__10 _d_9\"/>ade till verkligt v\u00e4r<span class=\"__10 _471\"/>de. N\u00e4r Nordea beviljar bol\u00e5n till l\u00e5n<span class=\"__10 _471\"/>tagare i enlig-<span class=\"__10 _469\"> </span>het med dansk lagstiftning om bostads\ufb01nansiering emitt<span class=\"__10 _471\"/>erar Nordea samtidigt sk<span class=\"__10 _d_9\"/>uldebrev med matchande villkor<span class=\"__10 _479\"/>, s\u00e5 kall-<span class=\"__10 _469\"> </span>lad \u201dmatchad \ufb01nansiering\u201d<span class=\"__10 _479\"/>. V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde f\u00f6r emitter<span class=\"__10 _471\"/>ade skuldebrev bas<span class=\"__10 _471\"/>eras p\u00e5 not<span class=\"__10 _471\"/>erade priser<span class=\"__10 _479\"/>. Eftersom l\u00e5ntagarna har r\u00e4tt a<span class=\"__10 _471\"/>tt k\u00f6pa skuldebr<span class=\"__10 _471\"/>ev som emitter<span class=\"__10 _471\"/>ats a<span class=\"__10 _d_9\"/>v Nordea p\u00e5 marknaden och \u00e5terl\u00e4mna dessa som betalning f<span class=\"__10 _d_9\"/>\u00f6r sina l\u00e5n, \u00e4r det verkliga v\u00e4r<span class=\"__10 _471\"/>det p\u00e5 l\u00e5nen samma som det verkliga v\u00e4r-<span class=\"__10 _469\"> </span>det p\u00e5 de emitterade sk<span class=\"__10 _471\"/>uldebreven (till f<span class=\"__10 _d_9\"/>\u00f6ljd av att omv<span class=\"__10 _d_9\"/>\u00e4rde-<span class=\"__10 _469\"> </span>ringen av \u00e5<span class=\"__10 _d_9\"/>terbetalningsoptionen \ufb01nns inb\u00e4ddad i l\u00e5net), jus-<span class=\"__10 _469\"> </span>tera<span class=\"__10 _471\"/>t f\u00f6r f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i kreditrisken hos l\u00e5nt<span class=\"__10 _471\"/>agaren och det verkliga v\u00e4r<span class=\"__10 _471\"/>det av kr<span class=\"__10 _471\"/>editmarginalen f<span class=\"__10 _d_9\"/>\u00f6r varje l\u00e5n.<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde p\u00e5 \ufb01nansiella tillg\u00e5ngar och skulder ber\u00e4k<span class=\"__10 _d_9\"/>-<span class=\"__10 _469\"> </span>nas vanligen som det teor<span class=\"__10 _471\"/>etiska nuv\u00e4rdet a<span class=\"__10 _d_9\"/>v de enskilda instrument<span class=\"__10 _d_9\"/>en. Denna ber\u00e4kning kompletteras med just<span class=\"__10 _471\"/>eringar p\u00e5 portf\u00f6ljniv\u00e5. Vid v\u00e4rderingen a<span class=\"__10 _d_9\"/>v derivat till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de g\u00f6r Nordea justeringar i f<span class=\"__10 _d_9\"/>orm av s\u00e5 kallade credit val<span class=\"__10 _471\"/>ue adjustmen<span class=\"__10 _471\"/>ts (CV<span class=\"__10 _479\"/>A) och debit value adjustmen<span class=\"__10 _d_9\"/>ts (DV<span class=\"__10 _d_9\"/>A). CV<span class=\"__10 _d_9\"/>A och D<span class=\"__10 _471\"/>V<span class=\"__10 _479\"/>A speg<span class=\"ws0_10\">-<span class=\"__10 _469\"> </span></span>lar hur motpartens kreditrisk respek<span class=\"__10 _d_9\"/>tive Nordeas egen kredit-<span class=\"__10 _469\"> </span>v\u00e4rdighet p\u00e5<span class=\"__10 _d_9\"/>verkar derivatets v<span class=\"__10 _d_9\"/>erkliga v\u00e4rde. Ber\u00e4kningarna baseras p\u00e5 uppska<span class=\"__10 _471\"/>ttningar av e<span class=\"__10 _d_9\"/>xponering vid fallissemang, sannolikhet f\u00f6r f<span class=\"__10 _d_9\"/>allissemang och \u00e5tervinningsgrad, f\u00f6r v<span class=\"__10 _d_9\"/>arje enskild motpart. F\u00f6r CV<span class=\"__10 _d_9\"/>A och DV<span class=\"__10 _479\"/>A baser<span class=\"__10 _d_9\"/>as exponering vid fal-<span class=\"__10 _469\"> </span>lissemang vanligen p\u00e5 f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>v\u00e4ntad e<span class=\"__10 _d_9\"/>xponering och fastst<span class=\"__10 _471\"/>\u00e4lls genom simulering av underliggande riskf<span class=\"__10 _d_9\"/>aktorer<span class=\"__10 _479\"/>. I de fall det \u00e4r m\u00f6jligt anv\u00e4nder sig Nor<span class=\"__10 _471\"/>dea av g\u00e4llande kr<span class=\"__10 _471\"/>editspread p\u00e5 CDS-marknaden, och sannolikheten f\u00f6r f<span class=\"__10 _d_9\"/>allissemang h\u00e4rleds fr\u00e5n dessa da<span class=\"__10 _d_9\"/>ta. F\u00f6r motparter som int<span class=\"__10 _471\"/>e har ett oms\u00e4ttnings-<span class=\"__10 _469\"> </span>bart CDS-kontrak<span class=\"__10 _d_9\"/>t<span class=\"__10 _c_9\"/>, fasts<span class=\"__10 _d_9\"/>t\u00e4lls sannolikhet f\u00f6r fallissemang med hj\u00e4lp av en tv<span class=\"__10 _d_9\"/>\u00e4r<span class=\"__10 _c_9\"/>snittsregressionsmodell som ber<span class=\"__10 _d_9\"/>\u00e4knar en ungef\u00e4rlig CDS-spr<span class=\"__10 _471\"/>ead utifr\u00e5n mo<span class=\"__10 _471\"/>tpartens ratingregion och bransch.<span class=\"__10 _469\"> </span><span class=\"__10 _469\">Eff</span><span class=\"__10 _471\"/>ekten a<span class=\"__10 _d_9\"/>v uppl\u00e5ningskostnader och uppl\u00e5ningskostnads-<span class=\"__10 _469\"> </span>minskningar p\u00e5 v\u00e4rderingen a<span class=\"__10 _d_9\"/>v derivatinstrumen<span class=\"__10 _471\"/>t utan s\u00e4ker-<span class=\"__10 _469\"> </span>het eller med obalanserad s\u00e4kerhet a<span class=\"__10 _d_9\"/>vspeglas delvis i det ber\u00e4knade nuv\u00e4r<span class=\"__10 _471\"/>det med den diskont<span class=\"__10 _d_9\"/>eringskur<span class=\"__10 _c_9\"/>va som anv\u00e4nds och del<span class=\"__10 _d_9\"/>vis i den separata verkligt v\u00e4r<span class=\"__10 _471\"/>de-justering f<span class=\"__10 _d_9\"/>\u00f6r \ufb01nansieringskostnad (funding f<span class=\"__10 _d_9\"/>air value adjustmen<span class=\"__10 _471\"/>t, FFV<span class=\"__10 _d_9\"/>A) som g\u00f6rs. I samband med v\u00e4rderingen till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde g\u00f6r Nordea ocks\u00e5 justeringar f<span class=\"__10 _d_9\"/>\u00f6r prisskillnaden mellan k\u00f6p- och s\u00e4ljpris, justeringar f<span class=\"__10 _d_9\"/>\u00f6r modellrisk (identi\ufb01erade brister i modellerna) och justeringar f<span class=\"__10 _d_9\"/>\u00f6r den oberoende kontrollen a<span class=\"__10 _d_9\"/>v priser<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span>Nordeas v\u00e4r<span class=\"__10 _471\"/>deringsmodeller kalibreras mo<span class=\"__10 _d_9\"/>t marknaden och om klimatrisk p\u00e5<span class=\"__10 _d_9\"/>verkar en viss marknad, s\u00e5 har detta redan beakt<span class=\"__10 _471\"/>ats a<span class=\"__10 _d_9\"/>v andra marknadsakt\u00f6rer<span class=\"__10 _479\"/>. Nordea har d\u00e4r-<span class=\"__10 _469\"> </span>med inte gjort n\u00e5gra f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i v\u00e4rderingsmodellerna f<span class=\"__10 _d_9\"/>\u00f6r att ta h\u00e4nsyn till klimatrisk, och inga kritiska v<span class=\"__10 _471\"/>\u00e4rdejusteringar har gjorts. Nordea kommer fram\u00f6<span class=\"__10 _d_9\"/>ver att f\u00f6lja utvecklingen inom de delar av v<span class=\"__10 _d_9\"/>\u00e4rderingsomr\u00e5det d\u00e4r klimatrisk skulle kunna ha en inv<span class=\"__10 _471\"/>erkan p\u00e5 modellerna (till ex<span class=\"__10 _d_9\"/>empel i fr\u00e5ga <span class=\"__10 _469\">om CV</span><span class=\"__10 _d_9\"/>A).<span class=\"__10 _469\"> </span>I tabellen nedan har tillg\u00e5ngar och skulder som r<span class=\"__10 _471\"/>edovisas till verkligt v\u00e4r<span class=\"__10 _471\"/>de i balansr\u00e4kningen delats upp p\u00e5 de tr<span class=\"__10 _471\"/>e niv\u00e5-<span class=\"__10 _469\"> </span>erna i IFRS-hierarkin f<span class=\"__10 _471\"/>\u00f6r verkligt v\u00e4r<span class=\"__10 _471\"/>de: instrumen<span class=\"__10 _471\"/>tets publi-<span class=\"__10 _469\"> </span>cerade prisno<span class=\"__10 _471\"/>teringar p\u00e5 en aktiv marknad (niv<span class=\"__10 _d_9\"/>\u00e5 1), v\u00e4rde-<span class=\"__10 _469\"> </span>ringsmetod baserad p\u00e5 observerbar<span class=\"__10 _d_9\"/>a marknadsdata (niv\u00e5 2) och v\u00e4rderingsmetod bas<span class=\"__10 _471\"/>erad p\u00e5 icke observerbar<span class=\"__10 _471\"/>a mark-<span class=\"__10 _469\"> </span>nadsdata (niv<span class=\"__10 _471\"/>\u00e5 3). Niv\u00e5 1<span class=\"__10 _471\"/>-kategorin om<span class=\"__10 _d_9\"/>fattar noter<span class=\"__10 _d_9\"/>ade derivat, noterade aktier<span class=\"__10 _479\"/>, statsobligationer i utvecklade l\u00e4nder och de me<span class=\"__10 _471\"/>st lik<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>vida bostadsobliga<span class=\"__10 _471\"/>tionerna och f\u00f6r<span class=\"__10 _471\"/>etagsobligationerna som har direkt<span class=\"__10 _471\"/>a prisnoteringar f<span class=\"__10 _d_9\"/>\u00f6r handel<span class=\"__10 _c_9\"/>. Niv\u00e5 2-kat<span class=\"__10 _d_9\"/>egorin omfat-<span class=\"__10 _469\"> </span>tar huvuddelen a<span class=\"__10 _471\"/>v Nordeas O<span class=\"__10 _d_9\"/>TC<span class=\"__10 _479\"/>-<span class=\"__10 _c_9\"/>derivat, k\u00f6pta/<span class=\"__10 _d_9\"/>s\u00e5lda v\u00e4rde-<span class=\"__10 _469\"> </span>papper enligt \u00e5terf<span class=\"__10 _471\"/>\u00f6rs\u00e4ljnings-/<span class=\"__10 _d_9\"/>\u00e5terk\u00f6psa<span class=\"__10 _471\"/>vtal, l\u00e5nade/utl\u00e5-<span class=\"__10 _469\"> </span>nade v\u00e4rdepapper och andr<span class=\"__10 _471\"/>a instrumen<span class=\"__10 _471\"/>t d\u00e4r indata i v\u00e4r<span class=\"__10 _d_9\"/>de-<span class=\"__10 _469\"> </span>ringsmetoden eller v\u00e4rderingsmodell<span class=\"__10 _471\"/>en baseras p\u00e5 uppgifter fr\u00e5n en ak<span class=\"__10 _d_9\"/>tiv marknad. Niv\u00e5 3-kategorin omf<span class=\"__10 _d_9\"/>attar inves<span class=\"__10 _471\"/>tering-<span class=\"__10 _469\"> </span>ar i onoter<span class=\"__10 _471\"/>ade v\u00e4rdepapper<span class=\"__10 _479\"/>, riskkapitalfonder<span class=\"__10 _d_9\"/>, hedgefonder<span class=\"__10 _479\"/>, fas<span class=\"__10 _471\"/>tigheter<span class=\"__10 _d_9\"/>, mer komplexa O<span class=\"__10 _d_9\"/>T<span class=\"__10 _d_9\"/>C-deriva<span class=\"__10 _471\"/>t d\u00e4r icke observerbara marknadsdata har en betydande in<span class=\"__10 _d_9\"/>verkan p\u00e5 det verkliga v\u00e4rdet, vissa komple<span class=\"__10 _471\"/>xa eller struk<span class=\"__10 _471\"/>turerade \ufb01nansiella ins<span class=\"__10 _471\"/>tru-<span class=\"__10 _469\"> </span>ment och illikvida r<span class=\"__10 _471\"/>\u00e4nteb\u00e4r<span class=\"__10 _d_9\"/>ande v\u00e4rdepapper<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span>\u00d6verf\u00f6ringar mellan niv<span class=\"__10 _d_9\"/>\u00e5 1 och niv\u00e5 2<span class=\"__10 _469\"> </span>Nordea<span class=\"ws0_10\"> har under \u00e5ret \u00f6v<span class=\"__10 _d_9\"/>er<span class=\"__10 _c_9\"/>f\u00f6rt poster r<span class=\"__10 _d_9\"/>edovisade under \u201dR\u00e4n<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></span>teb\u00e4rande v<span class=\"__10 _471\"/>\u00e4rdepapper<span class=\"__10 _c_9\"/>\u201d (inklusive \u201dP<span class=\"__10 _471\"/>antsa<span class=\"__10 _471\"/>tta \ufb01nansiella instrument\u201d) till ett v\u00e4rde a<span class=\"__10 _d_9\"/>v 4 030 mn euro (2 341 mn euro) fr\u00e5n niv<span class=\"__10 _471\"/>\u00e5 1 till niv\u00e5 2 och 1 570 mn eur<span class=\"__10 _471\"/>o (<span class=\"__10 _d_9\"/>4<span class=\"__10 _c_9\"/>39 mn euro) fr<span class=\"__10 _d_9\"/>\u00e5n niv\u00e5 2 till niv\u00e5 1 i v<span class=\"__10 _471\"/>erkligt v\u00e4rde-hier<span class=\"__10 _d_9\"/>arkin. Vidare har <span class=\"wse_9\">Nordea</span><span class=\"ls0_10\"> </span>\u00f6verf<span class=\"__10 _471\"/>\u00f6rt poster redovisade under \u201dEmitt<span class=\"__10 _471\"/>erade v\u00e4r<span class=\"__10 _d_9\"/>depapper<span class=\"__10 _1d_6\"/>\u201d till ett v\u00e4rde a<span class=\"__10 _d_9\"/>v 2 989 mn euro (10 701 mn euro) fr<span class=\"__10 _471\"/>\u00e5n niv\u00e5 1 till niv\u00e5 2 och 3 731 mn euro (<span class=\"__10 _471\"/>4 954 mn euro) f<span class=\"__10 _471\"/>r\u00e5n niv\u00e5 2 till niv<span class=\"__10 _d_9\"/>\u00e5 1,<span class=\"__10 _c_9\"/> samt \u201d\u00d6vriga skul<span class=\"__10 _471\"/>der<span class=\"__10 _c_9\"/>\u201d till ett v\u00e4rde a<span class=\"__10 _471\"/>v 43 mn euro (256 mn euro) f<span class=\"__10 _471\"/>r\u00e5n niv\u00e5 1 till niv<span class=\"__10 _d_9\"/>\u00e5 2 och 2<span class=\"__10 _c_9\"/>35 mn euro (269 mn euro) f<span class=\"__10 _d_9\"/>r\u00e5n niv\u00e5 2 till niv\u00e5 1. \u00d6v<span class=\"__10 _471\"/>erf\u00f6ringarna fr<span class=\"__10 _d_9\"/>\u00e5n niv\u00e5 1 till niv\u00e5 2 gjordes eftersom instrumen<span class=\"__10 _471\"/>ten upph\u00f6rde a<span class=\"__10 _471\"/>tt handlas aktivt under \u00e5ret, vilket innebar att verkligt v<span class=\"__10 _471\"/>\u00e4rde ber\u00e4knades med v<span class=\"__10 _d_9\"/>\u00e4rde<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ringsmetoder baserade p\u00e5 observerbar<span class=\"__10 _d_9\"/>a marknadsdata. \u00d6ver<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>f\u00f6ringarna f<span class=\"__10 _471\"/>r\u00e5n niv\u00e5 2 till niv<span class=\"__10 _d_9\"/>\u00e5 1 gjordes eftersom instrumenten \u00e5terigen handlades ak<span class=\"__10 _d_9\"/>tivt under \u00e5ret<span class=\"__10 _c_9\"/>, vilket innebar att tillf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>litliga prisnoteringar f<span class=\"__10 _d_9\"/>anns tillg\u00e4ngliga p\u00e5 marknaden. \u00d6verf\u00f6<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span>ringar fr\u00e5n en niv<span class=\"__10 _471\"/>\u00e5 till en annan anses ha skett vid \u00e5rets sl<span class=\"__10 _471\"/>ut.<span class=\"__10 _469\"> </span>Tillg\u00e5ngar och skulder redovisade till v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde i balansr\u00e4kningen F\u00f6r<span class=\"__10 _471\"/>delning i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4rde<span class=\"__10 _469\"> </span>31 dec 2022, mn euro<span class=\"__10 _469\"> </span>Instrument med publicerade prisnoteringar <span class=\"__10 _2b_4\"/> p\u00e5 en aktiv <span class=\"__10 _2b_4\"/> marknad (niv\u00e5 1)<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>arav <span class=\"__10 _2b_4\"/> Life &amp; Pension<span class=\"__10 _469\"> </span>V\u00e4r<span class=\"__10 _471\"/>deringsmetod baserad p\u00e5 observerbara marknadsdata (niv\u00e5 2)<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>arav Life &amp; Pension<span class=\"__10 _469\"> </span>V\u00e4r<span class=\"__10 _471\"/>deringsmetod baserad p\u00e5 icke observerbara marknadsdata (niv\u00e5 3)<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>arav Life &amp; Pension<span class=\"__10 _6b_2\"> </span>Summa<span class=\"__10 _469\"> </span>Tillg\u00e5ngar till verkligt v\u00e4rde i balansr<span class=\"__10 _d_9\"/><span class=\"__10 _469\">\u00e4kningen1<span class=\"__10 _469\"> </span></span>Utl\u00e5ning till centr<span class=\"__10 _471\"/>albanker<span class=\"__10 _8f_2\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _b5_3\"> </span>879<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _b6_3\"> </span>\u2013<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _518\"> </span>879<span class=\"__10 _469\"> </span>Utl\u00e5ning till kreditinstitut<span class=\"__10 _561\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _3a_5\"> </span><span class=\"lsd_8 ws13_9\">1<span class=\"__10 _c_9\"/> 74<span class=\"__10 _1d_6\"/>2<span class=\"__10 _565\"> </span></span>\u2013<span class=\"__10 _b6_3\"> </span>\u2013<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _487\"> </span><span class=\"lsd_8 ws13_9\">1<span class=\"__10 _c_9\"/> 74<span class=\"__10 _1d_6\"/>2<span class=\"__10 _469\"> </span></span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__10 _563\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _567\"> </span>70 627<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _b6_3\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _568\"> </span>70 627<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/><span class=\"__10 _469\">ande v\u00e4rdepapper2 </span><span class=\"__10 _b7_3\"> </span>25 961<span class=\"__10 _9f_2\"> </span>3 4<span class=\"__10 _c_9\"/>22<span class=\"__10 _b8_2\"> </span>38 368<span class=\"__10 _9f_2\"> </span>5 432<span class=\"__10 _b9_3\"> </span>437<span class=\"__10 _496\"> </span>47<span class=\"__10 _9f_2\"> </span>64 766<span class=\"__10 _469\"> </span>Aktier och andelar<span class=\"__10 _ba_3\"> </span>15 171<span class=\"__10 _476\"> </span>12 405<span class=\"__10 _bb_3\"> </span>406<span class=\"__10 _515\"> </span>264<span class=\"__10 _503\"> </span>2 347<span class=\"__10 _4a_2\"> </span>1 028<span class=\"__10 _4a_2\"> </span>17 924<span class=\"__10 _469\"> </span>Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s\u00e4kringsavtal<span class=\"__10 _8f_2\"> </span>39 994<span class=\"__10 _476\"> </span>36 167<span class=\"__10 _b5_3\"> </span>599<span class=\"__10 _514\"> </span>599<span class=\"__10 _b9_3\"> </span>362<span class=\"__10 _bc_2\"> </span>362<span class=\"__10 _9f_2\"> </span>40 955<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _bd_3\"> </span>159<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _9d_2\"> </span>34 550<span class=\"__10 _be_3\"> </span><span class=\"ls4_9 ws7_9\">117<span class=\"__10 _564\"> </span></span>1 869<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _568\"> </span>36 578<span class=\"__10 _469\"> </span>\u00d6vriga tillg\u00e5ngar<span class=\"__10 _a0_2\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _550\"> </span>6 327<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _a1_2\"> </span>33<span class=\"__10 _496\"> </span><span class=\"ls11_8 ws19_8\">25<span class=\"__10 _bf_3\"> </span></span>6 360<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _a3_2\"> </span> 81 285 <span class=\"__10 _501\"> </span> 51 994 <span class=\"__10 _c0_3\"> </span> 153 498 <span class=\"__10 _476\"> </span> 6 412 <span class=\"__10 _519\"> </span> 5 048 <span class=\"__10 _522\"> </span> 1 462 <span class=\"__10 _a4_2\"> </span> 2<span class=\"__10 _c_9\"/>39 831 Skulder till verkligt v\u00e4r<span class=\"__10 _471\"/><span class=\"__10 _469\">de i balansr\u00e4kningen1<span class=\"__10 _469\"> </span></span>Skulder till kreditinstitut<span class=\"__10 _a7_3\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _af_3\"> </span>10 446<span class=\"__10 _545\"> </span>44<span class=\"__10 _b6_3\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _9f_2\"> </span>10 446<span class=\"__10 _469\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__10 _a8_3\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _8a_2\"> </span>6 650<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _b6_3\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _bf_3\"> </span>6 650<span class=\"__10 _469\"> </span>Inl\u00e5ning i placeringsportf\u00f6ljer och fondf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s\u00e4kringsavtal<span class=\"__10 _aa_2\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _567\"> </span><span class=\"ls4_9 ws7_9\">4<span class=\"__10 _c_9\"/>2 7<span class=\"__10 _c_9\"/>76<span class=\"__10 _c1_2\"> </span></span>38 606<span class=\"__10 _b6_3\"> </span>\u2013<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _568\"> </span><span class=\"ls4_9 ws7_9\">4<span class=\"__10 _c_9\"/>2 7<span class=\"__10 _c_9\"/>76<span class=\"__10 _469\"> </span></span>Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper<span class=\"__10 _c2_3\"> </span>38 899<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _564\"> </span>11 328<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _564\"> </span>1 088<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _491\"> </span>51 315<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _c3_2\"> </span>659<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _c4_2\"> </span>37 623<span class=\"__10 _520\"> </span><span class=\"ls4_9 ws7_9\">14<span class=\"__10 _c_9\"/>1<span class=\"__10 _503\"> </span></span>1 820<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _ac_2\"> </span>40 102<span class=\"__10 _469\"> </span>\u00d6vriga skulder<span class=\"__10 _b0_2\"> </span>3 307<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _a9_3\"> </span>6 832<span class=\"__10 _518\"> </span>81<span class=\"__10 _9a_2\"> </span>63<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _568\"> </span>10 202<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _c5_3\"> </span> 42 865 <span class=\"__10 _b2_3\"> </span><span class=\"ff2_10\"> \u2013 <span class=\"__10 _485\"> </span></span> 115 655 <span class=\"__10 _501\"> </span> 38 87<span class=\"__10 _c_9\"/>2 <span class=\"__10 _c6_2\"> </span> 2 971 <span class=\"__10 _a2_2\"> </span><span class=\"ff2_10\"> \u2013 <span class=\"__10 _c7_2\"> </span></span> 161 491 1)  Samtliga poster v\u00e4r<span class=\"__10 _471\"/>deras till verkligt v\u00e4r<span class=\"__10 _471\"/>de vid slutet av v<span class=\"__10 _d_9\"/>arje rapportperiod.<span class=\"__10 _469\"> </span>2) V<span class=\"__10 _d_9\"/>arav <span class=\"__10 _2b_4\"/><span class=\"ws0_10\"><span class=\"__10 _469\">4 902 mn euro avser balanspost</span><span class=\"__10 _471\"/>en \u201dPan<span class=\"__10 _471\"/>tsatta \ufb01nansiella instrument\u201d<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span></span>Tillg\u00e5ngar och skulder redovisade till v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde i balansr\u00e4kningen<span class=\"__10 _469\"> </span>F\u00f6r<span class=\"__10 _471\"/>delning i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4rde<span class=\"__10 _469\"> </span>31 dec 2021, mn euro<span class=\"__10 _469\"> </span>Instrument med publicerade prisnoteringar <span class=\"__10 _2b_4\"/> p\u00e5 en aktiv <span class=\"__10 _2b_4\"/> marknad (niv\u00e5 1)<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>arav <span class=\"__10 _2b_4\"/> Life &amp; Pension<span class=\"__10 _469\"> </span>V\u00e4r<span class=\"__10 _471\"/>deringsmetod baserad p\u00e5 observerbara marknadsdata (niv\u00e5 2)<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>arav Life &amp; Pension<span class=\"__10 _469\"> </span>V\u00e4r<span class=\"__10 _471\"/>deringsmetod baserad p\u00e5 icke observerbara marknadsdata (niv\u00e5 3)<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>arav Life &amp; Pension<span class=\"__10 _6b_2\"> </span>Summa<span class=\"__10 _469\"> </span>Tillg\u00e5ngar till verkligt v\u00e4rde i balansr<span class=\"__10 _d_9\"/><span class=\"__10 _469\">\u00e4kningen1<span class=\"__10 _469\"> </span></span>Utl\u00e5ning till centr<span class=\"__10 _471\"/>albanker<span class=\"__10 _8f_2\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _560\"> </span>404<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _4c_2\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _545\"> </span>404<span class=\"__10 _469\"> </span>Utl\u00e5ning till kreditinstitut<span class=\"__10 _561\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _562\"> </span>192<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _4c_2\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _496\"> </span>192<span class=\"__10 _469\"> </span>Utl\u00e5ning till allm\u00e4nheten<span class=\"__10 _563\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _564\"> </span><span class=\"ls4_9 ws7_9\">75 176<span class=\"__10 _537\"> </span></span>\u2013<span class=\"__10 _4c_2\"> </span>\u2013<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _2a_4\"> </span><span class=\"ls4_9 ws7_9\">75 176<span class=\"__10 _469\"> </span></span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/><span class=\"__10 _469\">ande v\u00e4rdepapper2 </span><span class=\"__10 _566\"> </span>20 7<span class=\"__10 _d_9\"/>46<span class=\"__10 _4a_2\"> </span><span class=\"ls4_9 ws7_9\">1<span class=\"__10 _c_9\"/> 143<span class=\"__10 _567\"> </span></span>40 154<span class=\"__10 _510\"> </span>2 894<span class=\"__10 _551\"> </span>703<span class=\"__10 _496\"> </span><span class=\"ls10_8 ws17_8\">97<span class=\"__10 _568\"> </span></span>61 603<span class=\"__10 _469\"> </span>Aktier och andelar<span class=\"__10 _569\"> </span>12 456<span class=\"__10 _476\"> </span>10 543<span class=\"__10 _562\"> </span><span class=\"ls4_9 ws7_9\">515<span class=\"__10 _483\"> </span></span>353<span class=\"__10 _564\"> </span>2 2<span class=\"__10 _d_9\"/>46<span class=\"__10 _2a_4\"> </span>1 001<span class=\"__10 _5c_2\"> </span>15 217<span class=\"__10 _469\"> </span>Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s\u00e4kringsavtal<span class=\"__10 _495\"> </span>45 7<span class=\"__10 _d_9\"/>4<span class=\"__10 _c_9\"/>3<span class=\"__10 _476\"> </span>41 479<span class=\"__10 _9a_2\"> </span>411<span class=\"__10 _520\"> </span>411<span class=\"__10 _554\"> </span>156<span class=\"__10 _9b_2\"> </span>156<span class=\"__10 _568\"> </span>46 310<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _9c_3\"> </span>86<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _9d_2\"> </span>28 930<span class=\"__10 _565\"> </span>7<span class=\"__10 _9e_2\"> </span>1 184<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _9f_2\"> </span>30 200<span class=\"__10 _469\"> </span>\u00d6vriga tillg\u00e5ngar<span class=\"__10 _a0_2\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _550\"> </span>7 236<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _a1_2\"> </span>29<span class=\"__10 _a2_2\"> </span>28<span class=\"__10 _5a_2\"> </span>7 265<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _a3_2\"> </span> 79 031 <span class=\"__10 _a4_2\"> </span> 53 165 <span class=\"__10 _485\"> </span> 153 018 <span class=\"__10 _a5_3\"> </span> 3 665 <span class=\"__10 _a6_3\"> </span> 4 318 <span class=\"__10 _6c_2\"> </span> 1 282 <span class=\"__10 _a4_2\"> </span> 236 367 Skulder till verkligt v\u00e4r<span class=\"__10 _471\"/><span class=\"__10 _469\">de i balansr\u00e4kningen1<span class=\"__10 _469\"> </span></span>Skulder till kreditinstitut<span class=\"__10 _a7_3\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _504\"> </span>3 315<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _4c_2\"> </span>\u2013<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _515\"> </span>3 315<span class=\"__10 _469\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__10 _a8_3\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _a9_3\"> </span>2 639<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _4c_2\"> </span>\u2013<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _538\"> </span>2 639<span class=\"__10 _469\"> </span>Inl\u00e5ning i placeringsportf\u00f6ljer och fondf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s\u00e4kringsavtal<span class=\"__10 _aa_2\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _567\"> </span>48 201<span class=\"__10 _ab_2\"> </span>43 344<span class=\"__10 _4c_2\"> </span>\u2013<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _ac_2\"> </span>48 201<span class=\"__10 _469\"> </span>Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper<span class=\"__10 _ad_2\"> </span>38 760<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _7a_2\"> </span>17 659<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _564\"> </span>1 588<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _9f_2\"> </span>58 007<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _ae_3\"> </span><span class=\"ls4_9 ws7_9\">176<span class=\"__10 _537\"> </span></span>\u2013<span class=\"__10 _af_3\"> </span>30 292<span class=\"__10 _518\"> </span>27<span class=\"__10 _8a_2\"> </span>1 017<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _568\"> </span>31 485<span class=\"__10 _469\"> </span>\u00d6vriga skulder<span class=\"__10 _b0_2\"> </span>4 016<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _3a_5\"> </span>7 811<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _562\"> </span>46<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _491\"> </span>11 873<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _b1_2\"> </span> 42 952 <span class=\"__10 _b2_3\"> </span><span class=\"ff2_10\"> \u2013<span class=\"__10 _b3_2\"> </span></span> 109 917 <span class=\"__10 _a4_2\"> </span> 43 371 <span class=\"__10 _513\"> </span> 2 651 <span class=\"__10 _494\"> </span><span class=\"ff2_10\">\u2013 <span class=\"__10 _b4_2\"> </span></span> 155 520 1)  Samtliga poster v\u00e4r<span class=\"__10 _471\"/>deras till verkligt v\u00e4r<span class=\"__10 _471\"/>de vid slutet av v<span class=\"__10 _d_9\"/>arje rapportperiod.<span class=\"__10 _469\"> </span>2) V<span class=\"__10 _d_9\"/>arav <span class=\"__10 _2b_4\"/><span class=\"ws0_10\"><span class=\"__10 _469\">1 668 mn euro avser balanspost</span><span class=\"__10 _471\"/>en \u201dPan<span class=\"__10 _471\"/>tsatta \ufb01nansiella instrument\u201d<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span></span>F\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndringar i niv\u00e5 3<span class=\"__10 _469\"> </span>Orealiserade vins<span class=\"__10 _d_9\"/>ter och f\u00f6rluster a<span class=\"__10 _d_9\"/>vser de tillg\u00e5ngar och skulder som innehades vid utg\u00e5ngen a<span class=\"__10 _d_9\"/>v \u00e5ret. \u00d6verf\u00f6ringarna fr\u00e5n niv<span class=\"__10 _471\"/>\u00e5 3 under \u00e5ret gjordes eft<span class=\"__10 _471\"/>ersom observerbara mark<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>nadsdata blev tillg\u00e4ngliga. \u00d6v<span class=\"__10 _d_9\"/>er<span class=\"__10 _c_9\"/>f\u00f6ringarna till niv<span class=\"__10 _471\"/>\u00e5 3 under 2022 gjordes eftersom observerbara marknads<span class=\"__10 _471\"/>data in<span class=\"__10 _d_9\"/>te l\u00e4ng-<span class=\"__10 _469\"> </span>re fanns till<span class=\"__10 _471\"/>g\u00e4ngliga. \u00d6verf\u00f6ringar f<span class=\"__10 _471\"/>r\u00e5n en niv\u00e5 till en annan anses ha skett vid \u00e5rets sl<span class=\"__10 _471\"/>ut. Vinster och f\u00f6rlus<span class=\"__10 _d_9\"/>ter redovisade i resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen under \u00e5ret ing\u00e5r i posten \u201dNettoresul<span class=\"__10 _d_9\"/>tat av poster till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde\u201d (se not K2.4 \u201dSumma nettoresult<span class=\"__10 _471\"/>at av pos<span class=\"__10 _d_9\"/>ter till verkligt v\u00e4rde\u201d). <span class=\"__10 _d_9\"/>Tillg\u00e5ngar och skulder avseende derivatins<span class=\"__10 _471\"/>trument r<span class=\"__10 _471\"/>edovisas netto.<span class=\"__10 _469\"> </span>2022, mn euro<span class=\"__10 _469\"> </span>Vinster och f\u00f6rl<span class=\"__10 _471\"/>uster som redovisats  i resulta<span class=\"__10 _471\"/>tr\u00e4kningen under \u00e5ret<span class=\"__10 _469\"> </span>Redo- visat <span class=\"__10 _2b_4\"/> i \u00f6vrigt total-<span class=\"__10 _469\"> </span>resulta<span class=\"__10 _471\"/>t<span class=\"__10 _469\"> </span>\u00d6ver- f\u00f6ringar <span class=\"__10 _2b_4\"/> till niv\u00e5 3<span class=\"__10 _469\"> </span>\u00d6ver- f\u00f6ringar <span class=\"__10 _2b_4\"/> fr\u00e5n <span class=\"__10 _2b_4\"/> niv\u00e5 3<span class=\"__10 _469\"> </span>1 jan 2022<span class=\"__10 _469\"> </span>Rea-<span class=\"ls0_10 ws0_10\"> </span>liserade Orea- liserade K\u00f6p/<span class=\"__10 _469\"> </span>emissioner<span class=\"__10 _469\"> </span>F\u00f6rs\u00e4lj- ningar<span class=\"__10 _469\"> </span>A<span class=\"__10 _d_9\"/>vr\u00e4k-<span class=\"__10 _469\"> </span>ningar<span class=\"__10 _d_9\"/>/ <span class=\"__10 _e_9\"/> likvider<span class=\"__10 _469\"> </span>Om- klassi\ufb01 -<span class=\"ws0_10\"> </span>cering<span class=\"__10 _469\"> </span>1<span class=\"__10 _469\"> </span>Om- r\u00e4knings-<span class=\"__10 _469\"> </span><span class=\"__10 _469\">diffe- </span>renser<span class=\"__10 _469\"> </span>31 dec 2022<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/>ande v\u00e4rdepapper<span class=\"__10 _c8_3\"> </span>703<span class=\"__10 _496\"> </span>2<span class=\"__10 _538\"> </span>-53<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _494\"> </span>121<span class=\"__10 _2a_4\"> </span><span class=\"ls3_9 ws6_9\">-236<span class=\"__10 _487\"> </span></span>-39<span class=\"__10 _a2_2\"> </span><span class=\"lse_8 ws14_9\">48<span class=\"__10 _491\"> </span></span>-103<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _565\"> </span>-6<span class=\"__10 _9f_2\"> </span>437<span class=\"__10 _469\"> </span>- vara<span class=\"__10 _d_9\"/>v Life &amp; Pension<span class=\"__10 _1c_6\"> </span><span class=\"ls10_8 ws17_8\">97<span class=\"__10 _498\"> </span></span>1<span class=\"__10 _548\"> </span><span class=\"ls4_9 ws7_9\">-1<span class=\"__10 _537\"> </span></span>\u2013<span class=\"__10 _8c_2\"> </span>22<span class=\"__10 _515\"> </span>-54<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _512\"> </span>5<span class=\"__10 _483\"> </span><span class=\"ls4_9 ws7_9\">-18<span class=\"__10 _3e_4\"> </span></span>\u2013<span class=\"__10 _4e_2\"> </span>-5<span class=\"__10 _bf_3\"> </span>47<span class=\"__10 _469\"> </span>Aktier och andelar<span class=\"__10 _552\"> </span>2 246<span class=\"__10 _483\"> </span>89<span class=\"__10 _483\"> </span>40<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _b2_3\"> </span>449<span class=\"__10 _2a_4\"> </span>-379<span class=\"__10 _483\"> </span><span class=\"ls4_9 ws7_9\">-18<span class=\"__10 _8c_2\"> </span></span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _be_3\"> </span><span class=\"ls4_9 ws7_9\">-15<span class=\"__10 _b2_3\"> </span></span>-65<span class=\"__10 _c9_3\"> </span>2 347<span class=\"__10 _469\"> </span>- vara<span class=\"__10 _d_9\"/>v Life &amp; Pension<span class=\"__10 _545\"> </span>1 001<span class=\"__10 _ca_2\"> </span>71<span class=\"__10 _5a_2\"> </span><span class=\"ls3_9 ws6_9\">-27<span class=\"__10 _cb_2\"> </span></span>\u2013<span class=\"__10 _508\"> </span>152<span class=\"__10 _2a_4\"> </span>-104<span class=\"__10 _483\"> </span><span class=\"ls4_9 ws7_9\">-18<span class=\"__10 _8c_2\"> </span></span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _518\"> </span>-47<span class=\"__10 _c9_3\"> </span>1 028<span class=\"__10 _469\"> </span>Tillg\u00e5ngar i placeringsportf\u00f6ljer  och fondf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s\u00e4kringsavtal<span class=\"__10 _bf_3\"> </span>156<span class=\"__10 _547\"> </span><span class=\"ls4_9 ws7_9\">-1<span class=\"__10 _520\"> </span></span>33<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _a2_2\"> </span>235<span class=\"__10 _514\"> </span>-66<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _494\"> </span>15<span class=\"__10 _b2_3\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _537\"> </span></span>\u2013<span class=\"__10 _cb_2\"> </span>-8<span class=\"__10 _9f_2\"> </span>362<span class=\"__10 _469\"> </span>- vara<span class=\"__10 _d_9\"/>v Life &amp; Pension<span class=\"__10 _8c_2\"> </span>156<span class=\"__10 _548\"> </span><span class=\"ls4_9 ws7_9\">-1<span class=\"__10 _520\"> </span></span>33<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _a2_2\"> </span>235<span class=\"__10 _514\"> </span>-66<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _498\"> </span>15<span class=\"__10 _518\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _537\"> </span></span>\u2013<span class=\"__10 _565\"> </span>-8<span class=\"__10 _9f_2\"> </span>362<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t (netto)<span class=\"__10 _4a_2\"> </span>167<span class=\"__10 _2a_4\"> </span>-<span class=\"__10 _d_9\"/>101<span class=\"__10 _4a_2\"> </span>-213<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _3f_4\"> </span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _514\"> </span>120<span class=\"__10 _a2_2\"> </span>60<span class=\"__10 _548\"> </span>16<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _cc_3\"> </span>49<span class=\"__10 _469\"> </span>\u00d6vriga tillg\u00e5ngar<span class=\"__10 _b9_3\"> </span>29<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _548\"> </span><span class=\"ls4_9 ws7_9\">-1<span class=\"__10 _537\"> </span></span>\u2013<span class=\"__10 _1c_6\"> </span>8<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _b2_3\"> </span>-3<span class=\"__10 _8c_2\"> </span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _bf_3\"> </span>33<span class=\"__10 _469\"> </span>- vara<span class=\"__10 _d_9\"/>v Life &amp; Pension<span class=\"__10 _1c_6\"> </span>28<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _1c_6\"> </span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _545\"> </span>-3<span class=\"__10 _536\"> </span>\u2013<span class=\"__10 _508\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _538\"> </span><span class=\"ls11_8 ws19_8\">25<span class=\"__10 _469\"> </span></span>Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper<span class=\"__10 _3c_4\"> </span>1 588<span class=\"__10 _bc_2\"> </span>53<span class=\"__10 _ac_2\"> </span><span class=\"ls3_9 ws6_9\">-25<span class=\"__10 _c_9\"/>6<span class=\"__10 _496\"> </span></span>-6<span class=\"__10 _b2_3\"> </span>348<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _4a_2\"> </span>-594<span class=\"__10 _498\"> </span>13<span class=\"__10 _515\"> </span>-58<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _c7_2\"> </span>1 088<span class=\"__10 _469\"> </span>\u00d6vriga skulder<span class=\"__10 _b6_3\"> </span>46<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _514\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _c_9\"/>1<span class=\"__10 _537\"> </span></span>\u2013<span class=\"__10 _565\"> </span>58<span class=\"__10 _487\"> </span><span class=\"ls3_9 ws6_9\">-20<span class=\"__10 _498\"> </span></span>\u2013<span class=\"__10 _536\"> </span>\u2013<span class=\"__10 _508\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _bf_3\"> </span>63<span class=\"__10 _469\"> </span>1)  Omklassi\ufb01cering avseende kon<span class=\"__10 _471\"/>vertering av Visa C<span class=\"__10 _d_9\"/>-aktier till Visa A<span class=\"__10 _d_9\"/>-aktier<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span>2021, mn euro<span class=\"__10 _469\"> </span>Vinster och f\u00f6rl<span class=\"__10 _471\"/>uster som redovisats  i resulta<span class=\"__10 _471\"/>tr\u00e4kningen under \u00e5ret<span class=\"__10 _469\"> </span>Redo- visat <span class=\"__10 _2b_4\"/> i \u00f6vrigt total-<span class=\"__10 _469\"> </span>resulta<span class=\"__10 _471\"/>t<span class=\"__10 _469\"> </span>\u00d6ver- f\u00f6ringar <span class=\"__10 _2b_4\"/> till niv\u00e5 3<span class=\"__10 _469\"> </span>\u00d6ver-<span class=\"ls0_10 ws0_10\"> </span>f\u00f6ringar <span class=\"__10 _2b_4\"/><span class=\"ls0_10 ws0_10\"> </span>fr\u00e5n <span class=\"__10 _2b_4\"/> niv\u00e5 3<span class=\"__10 _469\"> </span>1 jan 2021<span class=\"__10 _469\"> </span>Rea-<span class=\"ls0_10 ws0_10\"> </span>liserade Orea- liserade K\u00f6p/<span class=\"__10 _469\"> </span>emissioner<span class=\"__10 _469\"> </span>F\u00f6rs\u00e4lj- ningar<span class=\"__10 _469\"> </span>A<span class=\"__10 _d_9\"/>vr\u00e4k-<span class=\"__10 _469\"> </span>ningar<span class=\"__10 _d_9\"/>/ <span class=\"__10 _e_9\"/> likvider<span class=\"__10 _469\"> </span>Om- klassi\ufb01 -<span class=\"ws0_10\"> </span>cering<span class=\"__10 _469\"> </span>Om- r\u00e4knings-<span class=\"__10 _469\"> </span><span class=\"__10 _469\">diffe- </span>renser<span class=\"__10 _469\"> </span>31 dec 2021<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/>ande v\u00e4rdepapper<span class=\"__10 _8b_2\"> </span> 931<span class=\"__10 _9b_2\"> </span><span class=\"lse_8 ws14_9\">-4<span class=\"__10 _487\"> </span><span class=\"ls4_9 ws7_9\"> 14<span class=\"__10 _537\"> </span></span></span>\u2013<span class=\"__10 _548\"> </span> 27<span class=\"__10 _c_9\"/>3<span class=\"__10 _491\"> </span>-155<span class=\"__10 _a2_2\"> </span> 4<span class=\"__10 _545\"> </span> 67<span class=\"__10 _4a_2\"> </span><span class=\"lse_8 ws14_9\">-439<span class=\"__10 _3e_4\"> </span></span>\u2013<span class=\"__10 _498\"> </span> 12<span class=\"__10 _6f_2\"> </span> 703<span class=\"__10 _469\"> </span>- vara<span class=\"__10 _d_9\"/>v Life &amp; Pension<span class=\"__10 _505\"> </span> 67<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _545\"> </span><span class=\"ls4_9 ws7_9\">-1<span class=\"__10 _3e_4\"> </span></span>\u2013<span class=\"__10 _498\"> </span> 46<span class=\"__10 _483\"> </span><span class=\"ls3_9 ws6_9\">-25<span class=\"__10 _508\"> </span></span> 1<span class=\"__10 _545\"> </span><span class=\"lse_8 ws14_9\"> 43<span class=\"__10 _483\"> </span></span>-37<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _536\"> </span> 3<span class=\"__10 _491\"> </span><span class=\"ls10_8 ws17_8\"> 97<span class=\"__10 _469\"> </span></span>Aktier och andelar<span class=\"__10 _552\"> </span>1 969<span class=\"__10 _5a_2\"> </span> 56<span class=\"__10 _4a_2\"> </span> 292<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _547\"> </span><span class=\"ls3_9 ws6_9\"> 3<span class=\"__10 _c_9\"/>24<span class=\"__10 _4a_2\"> </span></span>-340<span class=\"__10 _b2_3\"> </span>-5<span class=\"__10 _8c_2\"> </span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _b2_3\"> </span>-50<span class=\"__10 _cd_2\"> </span>2 246<span class=\"__10 _469\"> </span>- vara<span class=\"__10 _d_9\"/>v Life &amp; Pension<span class=\"__10 _498\"> </span> 835<span class=\"__10 _514\"> </span> 45<span class=\"__10 _538\"> </span> 96<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _548\"> </span> 220<span class=\"__10 _491\"> </span>-193<span class=\"__10 _545\"> </span>-5<span class=\"__10 _536\"> </span>\u2013<span class=\"__10 _508\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _536\"> </span> 3<span class=\"__10 _c1_2\"> </span>1 001<span class=\"__10 _469\"> </span>Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s\u00e4kringsavtal<span class=\"__10 _507\"> </span>92<span class=\"__10 _a2_2\"> </span>9<span class=\"__10 _bc_2\"> </span>30<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _8c_2\"> </span>53<span class=\"__10 _487\"> </span><span class=\"ls3_9 ws6_9\">-26<span class=\"__10 _b2_3\"> </span><span class=\"lse_8 ws14_9\">-4<span class=\"__10 _8c_2\"> </span></span></span>9<span class=\"__10 _b2_3\"> </span>-5<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _4e_2\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _ac_2\"> </span></span>156<span class=\"__10 _469\"> </span>- vara<span class=\"__10 _d_9\"/>v Life &amp; Pension<span class=\"__10 _1c_6\"> </span>92<span class=\"__10 _a2_2\"> </span>9<span class=\"__10 _bc_2\"> </span>30<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>53<span class=\"__10 _487\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _c_9\"/>6<span class=\"__10 _545\"> </span><span class=\"lse_8 ws14_9\">-4<span class=\"__10 _536\"> </span></span></span>9<span class=\"__10 _b2_3\"> </span>-5<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _8c_2\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _ac_2\"> </span></span>156<span class=\"__10 _469\"> </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t (netto)<span class=\"__10 _510\"> </span> 162<span class=\"__10 _538\"> </span><span class=\"ls3_9 ws6_9\">-26<span class=\"__10 _514\"> </span><span class=\"ls14_8 ws1c_8\">-75<span class=\"__10 _cb_2\"> </span></span></span>\u2013<span class=\"__10 _3f_4\"> </span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _487\"> </span> 40<span class=\"__10 _494\"> </span>-6<span class=\"__10 _bc_2\"> </span><span class=\"ls15_8 ws1d_8\"> 72<span class=\"__10 _3e_4\"> </span></span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _531\"> </span> 167<span class=\"__10 _469\"> </span>\u00d6vriga tillg\u00e5ngar<span class=\"__10 _ce_3\"> </span> 31<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _1c_6\"> </span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _b2_3\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _8c_2\"> </span></span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _2a_4\"> </span> 29<span class=\"__10 _469\"> </span>- vara<span class=\"__10 _d_9\"/>v Life &amp; Pension<span class=\"__10 _cf_2\"> </span> 30<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _1c_6\"> </span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _b2_3\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _8c_2\"> </span></span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _cf_2\"> </span>\u2013<span class=\"__10 _491\"> </span> 28<span class=\"__10 _469\"> </span>Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper<span class=\"__10 _9f_2\"> </span>1 781<span class=\"__10 _514\"> </span> 53<span class=\"__10 _1f_6\"> </span>27<span class=\"__10 _c_9\"/>2<span class=\"__10 _3e_4\"> </span> 1<span class=\"__10 _547\"> </span> 401<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _2a_4\"> </span>-472<span class=\"__10 _a2_2\"> </span> 31<span class=\"__10 _4a_2\"> </span>-479<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _c9_3\"> </span>1 588<span class=\"__10 _469\"> </span>\u00d6vriga skulder<span class=\"__10 _d0_2\"> </span> 32<span class=\"__10 _487\"> </span><span class=\"ls4_9 ws7_9\">-11<span class=\"__10 _a2_2\"> </span></span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _d1_2\"> </span> 33<span class=\"__10 _545\"> </span>-8<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _2a_4\"> </span> 46<span class=\"__10 _469\"> </span>Processen f<span class=\"__10 _d_9\"/>\u00f6r v\u00e4rdering till verkligt v<span class=\"__10 _471\"/>\u00e4rde V<span class=\"__10 _d_9\"/>\u00e4rderingsprocessen i Nordea utg\u00f6rs a<span class=\"__10 _d_9\"/>v flera steg. F<span class=\"__10 _471\"/>\u00f6rsta ste-<span class=\"__10 _469\"> </span>get \u00e4r att ta fr<span class=\"__10 _d_9\"/>am medelpriset vid dagens slut<span class=\"__10 _c_9\"/><span class=\"__10 _469\">. Det \u00e4r aff\u00e4rs-<span class=\"__10 _469\"> </span></span>omr\u00e5dena som ansvar<span class=\"__10 _d_9\"/>ar f\u00f6r att fas<span class=\"__10 _d_9\"/>tst\u00e4lla korrekt<span class=\"__10 _471\"/>a priser f\u00f6r v\u00e4rderingspr<span class=\"__10 _471\"/>ocessen. Dessa priser \u00e4r an<span class=\"__10 _d_9\"/>tingen internt f<span class=\"__10 _d_9\"/>ast-<span class=\"__10 _469\"> </span>st\u00e4llda a<span class=\"__10 _d_9\"/>v en tradingenhet eller inh\u00e4mtade fr<span class=\"__10 _471\"/>\u00e5n ext<span class=\"__10 _d_9\"/>erna k\u00e4llor. V<span class=\"__10 _d_9\"/>\u00e4rderingspriserna och v\u00e4rderingsmetoderna kon<span class=\"__10 _d_9\"/>trolleras och testas d\u00e4r<span class=\"__10 _471\"/>efter a<span class=\"__10 _d_9\"/>v en kontrollenhet i f<span class=\"__10 _471\"/>\u00f6rsta f<span class=\"__10 _471\"/>\u00f6rsvarslinjen som \u00e4r oberoende fr<span class=\"__10 _d_9\"/>\u00e5n de risktagande enheterna i fron<span class=\"__10 _d_9\"/><span class=\"__10 _469\">t offi-<span class=\"__10 _469\"> </span></span>ce. Allr<span class=\"__10 _d_9\"/>a viktigast i kon<span class=\"__10 _471\"/>trollproce<span class=\"__10 _471\"/>ssen \u00e4r den oberoende kon-<span class=\"__10 _469\"> </span>trollen a<span class=\"__10 _d_9\"/>v priser. H\u00e4r k<span class=\"__10 _d_9\"/>ontrolleras rik<span class=\"__10 _471\"/>tigheten i v\u00e4rderingarna genom att j\u00e4mf<span class=\"__10 _d_9\"/>\u00f6ra medelpriserna vid dagens slut med data fr\u00e5n ober<span class=\"__10 _471\"/>oende k\u00e4llor<span class=\"__10 _d_9\"/>. Slutligen analyseras r<span class=\"__10 _d_9\"/>esultatet a<span class=\"__10 _471\"/>v v\u00e4r-<span class=\"__10 _469\"> </span>deringskontr<span class=\"__10 _d_9\"/>ollen och v\u00e4rderingarna, och eventuella no<span class=\"__10 _d_9\"/>te-<span class=\"__10 _469\"> </span>ringar eskaleras. <span class=\"__10 _d_9\"/>\u00c4v<span class=\"__10 _471\"/>en justeringar f<span class=\"__10 _d_9\"/>\u00f6r variationer i oberoende<span class=\"__10 _469\"> </span>priskontr<span class=\"__10 _d_9\"/>oller ing\u00e5r i verkligt v\u00e4rde. Kon<span class=\"__10 _d_9\"/>trollen av rik<span class=\"__10 _471\"/>tigheten i priser och andra par<span class=\"__10 _471\"/>ametrar utf<span class=\"__10 _471\"/>\u00f6rs som minimum p\u00e5 m\u00e5nads<span class=\"ws0_10\">-<span class=\"__10 _469\"> </span></span>basis och f\u00f6r m\u00e5nga pr<span class=\"__10 _471\"/>odukter dagligen. In<span class=\"__10 _d_9\"/>formation fr<span class=\"__10 _471\"/>\u00e5n tredje part, s\u00e5som prisnoteringar och annan prisinf<span class=\"__10 _d_9\"/>ormation fr\u00e5n m\u00e4klar<span class=\"__10 _471\"/>e, anv\u00e4nds som j\u00e4m<span class=\"__10 _d_9\"/>f\u00f6relseuppgifter vid kon<span class=\"__10 _d_9\"/>trol-<span class=\"__10 _469\"> </span>len. J\u00e4mf<span class=\"__10 _d_9\"/>\u00f6relseuppgifternas kvalitet bed\u00f6ms regelbundet.<span class=\"__10 _469\"> </span>Justeringar till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde p\u00e5 portf\u00f6ljniv\u00e5 och uppskjut-<span class=\"__10 _469\"> </span>na dag 1-re<span class=\"__10 _471\"/>sultat f<span class=\"__10 _471\"/>r\u00e5n niv\u00e5 3-tr<span class=\"__10 _d_9\"/>ansaktioner ber\u00e4knas och rap-<span class=\"__10 _469\"> </span>porteras m\u00e5nadsvis. Den fak<span class=\"__10 _d_9\"/>tiska bed\u00f6mningen av instru-<span class=\"__10 _469\"> </span>ment i hier<span class=\"__10 _471\"/>arkin f\u00f6r v<span class=\"__10 _471\"/>erkligt v\u00e4rde utf<span class=\"__10 _d_9\"/>\u00f6rs kontinuerligt.<span class=\"__10 _469\"> </span>S\u00e4rskilda team inom riskorganisationen ansv<span class=\"__10 _d_9\"/>arar i andra f\u00f6rsvarslinjen f<span class=\"__10 _d_9\"/>\u00f6r att \u00f6vervaka och oberoende bed\u00f6ma de v\u00e4r-<span class=\"__10 _469\"> </span>deringar och kontr<span class=\"__10 _d_9\"/>oller som g\u00f6r<span class=\"__10 _c_9\"/>s av a<span class=\"__10 _d_9\"/><span class=\"__10 _469\">ff\u00e4rsomr\u00e5dena och </span>Group Finance (f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>sta f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>svarslinjen).<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>\u00e4rderingsmetoder och indata som anv<span class=\"__10 _471\"/>\u00e4nds vid v\u00e4rderingen till v<span class=\"__10 _471\"/>erkligt v\u00e4rde i niv<span class=\"__10 _471\"/>\u00e5 3<span class=\"__10 _469\"> </span>31 dec 2022, mn euro<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt v\u00e4rde V<span class=\"__10 _d_9\"/>arav Life &amp; <span class=\"__10 _469\">Pension1</span><span class=\"__10 _6c_2\"> </span>V\u00e4rderingmetoder<span class=\"__10 _469\"> </span>Ej observerbara indata<span class=\"__10 _469\"> </span>Intervall f<span class=\"__10 _471\"/>\u00f6r <span class=\"__10 _2b_4\"/> verkligt v\u00e4rde<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4rande v<span class=\"__10 _d_9\"/>\u00e4rdepapper Bol\u00e5neinstitut och andra kreditins<span class=\"__10 _d_9\"/>titut<span class=\"__10 _8c_2\"> </span>238<span class=\"__10 _503\"> </span>47<span class=\"__10 _6c_2\"> </span>Diskonterade kassafl<span class=\"__10 _471\"/>\u00f6den<span class=\"__10 _564\"> </span>Kreditspr<span class=\"__10 _d_9\"/>ead<span class=\"__10 _d2_2\"> </span>-15/15<span class=\"__10 _469\"> </span>F\u00f6ret<span class=\"__10 _471\"/><span class=\"__10 _469\">ag2</span><span class=\"__10 _d3_2\"> </span>199<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Diskon<span class=\"__10 _471\"/>terade kassafl\u00f6den<span class=\"__10 _7a_2\"> </span>Kreditspread<span class=\"__10 _d4_3\"> </span>-5/5<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _495\"> </span>437<span class=\"__10 _564\"> </span>47<span class=\"__10 _d5_2\"> </span>-20/20<span class=\"__10 _469\"> </span>Aktier och andelar Private equity-f<span class=\"__10 _d_9\"/>onder<span class=\"__10 _d6_2\"> </span>1 316<span class=\"__10 _d7_2\"> </span>693<span class=\"__10 _6f_2\"> </span>Andelsv\u00e4r<span class=\"__10 _471\"/><span class=\"__10 _469\">de3</span><span class=\"__10 _d8_3\"> </span>-151/151<span class=\"__10 _469\"> </span>Hedgefonder<span class=\"__10 _d9_2\"> </span>68<span class=\"__10 _564\"> </span>67<span class=\"__10 _6f_2\"> </span><span class=\"__10 _469\">Andelsv\u00e4rde3</span><span class=\"__10 _da_2\"> </span>-6/6<span class=\"__10 _469\"> </span>Kreditfonder<span class=\"__10 _d9_2\"> </span><span class=\"ls4_9 ws7_9\">511<span class=\"__10 _564\"> </span></span>63<span class=\"__10 _6f_2\"> </span>Andelsv\u00e4rde/<span class=\"__10 _d_9\"/><span class=\"__10 _469\">analytikerkonsensus3</span><span class=\"__10 _db_2\"> </span>-49/49<span class=\"__10 _469\"> </span>\u00d6vriga fonder<span class=\"__10 _dc_2\"> </span>323<span class=\"__10 _513\"> </span>193<span class=\"__10 _6f_2\"> </span>Andelsv\u00e4rde/f<span class=\"__10 _d_9\"/><span class=\"__10 _469\">ondkurser3</span><span class=\"__10 _499\"> </span>-27/27<span class=\"__10 _469\"> </span><span class=\"__10 _469\">\u00d6vrigt4</span><span class=\"__10 _563\"> </span>491<span class=\"__10 _513\"> </span><span class=\"lsd_8 ws13_9\">3<span class=\"__10 _c_9\"/>74<span class=\"__10 _3c_4\"> </span></span>\u2013<span class=\"__10 _dd_3\"> </span>-52/52<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _de_2\"> </span>2 709<span class=\"__10 _1c_6\"> </span>1 390<span class=\"__10 _527\"> </span> -285/285 Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _469\"> </span>R\u00e4ntederiv<span class=\"__10 _471\"/>at<span class=\"__10 _d9_2\"> </span>-81<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6c_2\"> </span>Optionsmodell<span class=\"__10 _557\"> </span>Korrelationer<span class=\"__10 _490\"> </span>-<span class=\"__10 _d_9\"/>20/<span class=\"__10 _c_9\"/>21<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>Aktiederiva<span class=\"__10 _d_9\"/>t<span class=\"__10 _db_2\"> </span>-5<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Op<span class=\"__10 _471\"/>tionsmodell<span class=\"__10 _557\"> </span>Korr<span class=\"__10 _471\"/>elationer<span class=\"__10 _d4_3\"> </span><span class=\"ls16_8 ws1e_7\">-7/<span class=\"__10 _c_9\"/>4<span class=\"__10 _469\"> </span></span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>Utdelning<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>alutaderivat<span class=\"__10 _df_2\"> </span>286<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Optionsmodell<span class=\"__10 _557\"> </span>K<span class=\"__10 _d_9\"/>orrelationer<span class=\"__10 _e0_2\"> </span>-4/2<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>Kreditderiva<span class=\"__10 _471\"/>t<span class=\"__10 _df_2\"> </span><span class=\"ls4_9 ws7_9\">-152<span class=\"__10 _504\"> </span></span>\u2013<span class=\"__10 _6f_2\"> </span>Kreditderiva<span class=\"__10 _d_9\"/>tmodell <span class=\"__10 _e1_2\"> </span>Korrela<span class=\"__10 _471\"/>tioner<span class=\"__10 _e2_2\"> </span>-11/16<span class=\"__10 _469\"> </span>\u00c5tervinningsgrad<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>\u00d6vrigt<span class=\"__10 _e3_2\"> </span>1<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Optionsmodell<span class=\"__10 _557\"> </span>K<span class=\"__10 _d_9\"/>orrelationer<span class=\"__10 _e4_2\"> </span>-0/0<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _563\"> </span>49<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _e5_2\"> </span>-42/43<span class=\"__10 _469\"> </span>Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper<span class=\"__10 _469\"> </span>Emitterade struk<span class=\"__10 _d_9\"/>turerade obligationer<span class=\"__10 _487\"> </span>-1 088<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Kredit<span class=\"__10 _471\"/>derivatmodell <span class=\"__10 _e6_2\"> </span>Korrela<span class=\"__10 _471\"/>tioner<span class=\"__10 _e7_2\"> </span>-5/5<span class=\"__10 _469\"> </span>\u00c5tervinningsgrad<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _e8_3\"> </span>-1 088<span class=\"__10 _504\"> </span><span class=\"ff2_10\">\u2013<span class=\"__10 _e9_3\"> </span></span>-5/5<span class=\"__10 _469\"> </span>\u00d6vrigt, netto<span class=\"__10 _469\"> </span>\u00d6vriga tillg\u00e5ngar och \u00d6vriga skulder<span class=\"__10 _d_9\"/>, netto<span class=\"__10 _ea_3\"> </span>-30<span class=\"__10 _503\"> </span><span class=\"ls11_8 ws19_8\">25<span class=\"__10 _6c_2\"> </span></span>\u2013<span class=\"__10 _492\"> </span>\u2013<span class=\"__10 _eb_2\"> </span>-3/3<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _553\"> </span>-30<span class=\"__10 _503\"> </span><span class=\"ls17_8 ws1f_7\">25<span class=\"__10 _6a_2\"> </span></span>-3/3<span class=\"__10 _469\"> </span>1)   <span class=\"__10 _2b_4\"/>Innehav i \ufb01nansiella instrument utg\u00f6r en s<span class=\"__10 _d_9\"/>tor del av livf\u00f6rs\u00e4kringsr\u00f6relsen, i syfte att fullg\u00f6r<span class=\"__10 _471\"/>a \u00e5taganden i f\u00f6rs\u00e4kringsa<span class=\"__10 _d_9\"/>vtal och \ufb01nansiella avtal. Vinster och f\u00f6rlus<span class=\"__10 _471\"/>ter h\u00e4nf<span class=\"__10 _471\"/>\u00f6rliga till dessa instrument alloker<span class=\"__10 _d_9\"/>as n\u00e4stan uteslutande till f\u00f6rs\u00e4kringstagarna och p\u00e5<span class=\"__10 _471\"/>verkar d\u00e4rmed inte Nor<span class=\"__10 _d_9\"/>deas eget kapital<span class=\"__10 _c_9\"/>.<span class=\"__10 _469\"> </span>2)   <span class=\"__10 _2b_4\"/>Var<span class=\"__10 _471\"/><span class=\"__10 _469\">av 150 mn euro priss\u00e4</span><span class=\"__10 _471\"/>tts utifr\u00e5n en kreditspread (skillnaden mellan disk<span class=\"__10 _471\"/>onteringsr\u00e4n<span class=\"__10 _d_9\"/>tan och LIBOR) p\u00e5 1,45 procent, och en rimlig f\u00f6r\u00e4ndring av denna kr<span class=\"__10 _d_9\"/>editspread  skulle inte p\u00e5<span class=\"__10 _d_9\"/>verka det verkliga v\u00e4rdet med tanke p\u00e5 \u00e5terk<span class=\"__10 _d_9\"/>\u00f6psm\u00f6jligheten. 3)   <span class=\"__10 _2b_4\"/>Verkligt v\u00e4r<span class=\"__10 _471\"/>de baseras p\u00e5 kurser och andelsv\u00e4rden s<span class=\"__10 _471\"/>om erh\u00e5llits av e<span class=\"__10 _471\"/>xterna leveran<span class=\"__10 _d_9\"/>t\u00f6rer/f\u00f6rvaltare. De<span class=\"__10 _471\"/>ssa kurser fasts<span class=\"__10 _471\"/>t\u00e4lls utifr\u00e5n v\u00e4r<span class=\"__10 _d_9\"/>deutvecklingen i de underliggande tillg\u00e5ng<span class=\"__10 _469\"> </span>-<span class=\"__10 _469\"> </span>arna. Den allra vanligaste v<span class=\"__10 _d_9\"/>\u00e4rderingsmetoden f\u00f6r private equity-fonder hos le<span class=\"__10 _471\"/>verant<span class=\"__10 _471\"/>\u00f6rer/f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>valtare \u00f6v<span class=\"__10 _471\"/>erensst\u00e4mmer med anvisningarna i In<span class=\"__10 _d_9\"/>ternational Private Equity and V<span class=\"__10 _d_9\"/>enture Capital V<span class=\"__10 _d_9\"/>aluation (IPEV), som utf\u00e4rdats a<span class=\"__10 _471\"/>v Invest E<span class=\"__10 _d_9\"/>urope (tidigare kallad EVCA). Ungef<span class=\"__10 _471\"/>\u00e4r 50 procent a<span class=\"__10 _d_9\"/>v innehavet i private equity-f<span class=\"__10 _471\"/>onder justeras/v<span class=\"__10 _471\"/>\u00e4rderas int<span class=\"__10 _471\"/>ernt utifr\u00e5n IPEV<span class=\"__10 _d_9\"/>-<span class=\"__10 _469\"> </span>anvisningarna. De redovisade v\u00e4r<span class=\"__10 _471\"/>dena f\u00f6r dessa ligger i in<span class=\"__10 _471\"/>tervallet 1 till 100 procen<span class=\"__10 _471\"/>t j\u00e4mf\u00f6rt med de v\u00e4r<span class=\"__10 _471\"/>den som erh\u00e5llits fr\u00e5n lever<span class=\"__10 _d_9\"/>ant\u00f6rer/f\u00f6rvaltar<span class=\"__10 _d_9\"/>e.<span class=\"__10 _469\"> </span>4)   <span class=\"__10 _2b_4\"/>Var<span class=\"__10 _471\"/>av 362 mn euro r<span class=\"__10 _471\"/>elateras till tillg\u00e5ngar i placeringsportf<span class=\"__10 _471\"/>\u00f6ljer och fondf<span class=\"__10 _471\"/>\u00f6rs\u00e4kringsavtal.<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>\u00e4rderingsmetoder och indata som anv<span class=\"__10 _471\"/>\u00e4nds vid v\u00e4rderingen till v<span class=\"__10 _471\"/>erkligt v\u00e4rde i niv<span class=\"__10 _471\"/>\u00e5 3<span class=\"__10 _469\"> </span>31 dec 2021, mn euro<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt v\u00e4rde V<span class=\"__10 _d_9\"/>arav Life &amp; <span class=\"__10 _469\">Pension1</span><span class=\"__10 _6c_2\"> </span>V\u00e4rderingmetoder<span class=\"__10 _469\"> </span>Ej observerbara indata<span class=\"__10 _469\"> </span>Intervall f<span class=\"__10 _471\"/>\u00f6r <span class=\"__10 _2b_4\"/> verkligt v\u00e4rde<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4rande v<span class=\"__10 _d_9\"/>\u00e4rdepapper Offen<span class=\"__10 _471\"/>tliga institutioner<span class=\"__10 _ec_2\"> </span>40<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Diskon<span class=\"__10 _471\"/>terade kassafl\u00f6den<span class=\"__10 _7a_2\"> </span>Kreditspread<span class=\"__10 _e7_2\"> </span>-4/4<span class=\"__10 _469\"> </span>Bol\u00e5neinstitut och andra kreditins<span class=\"__10 _d_9\"/>titut<span class=\"__10 _536\"> </span>491<span class=\"__10 _564\"> </span>92<span class=\"__10 _6f_2\"> </span>Diskonter<span class=\"__10 _471\"/>ade kassafl\u00f6den<span class=\"__10 _ed_2\"> </span>Kreditspread<span class=\"__10 _ee_3\"> </span>-41/41<span class=\"__10 _469\"> </span>F\u00f6ret<span class=\"__10 _471\"/><span class=\"__10 _469\">ag2</span><span class=\"__10 _8f_2\"> </span><span class=\"ls4_9 ws7_9\">17<span class=\"__10 _c_9\"/>2<span class=\"__10 _559\"> </span></span>5<span class=\"__10 _6f_2\"> </span>Diskon<span class=\"__10 _471\"/>terade kassafl\u00f6den<span class=\"__10 _7a_2\"> </span>Kreditspread<span class=\"__10 _ef_2\"> </span><span class=\"ls4_9 ws7_9\">-17<span class=\"__10 _471\"/>/17<span class=\"__10 _469\"> </span></span>Summa<span class=\"__10 _495\"> </span>703<span class=\"__10 _564\"> </span><span class=\"ls18_8 ws20_7\">97<span class=\"__10 _f0_3\"> </span></span>-62/62<span class=\"__10 _469\"> </span>Aktier och andelar Private equity-f<span class=\"__10 _d_9\"/>onder<span class=\"__10 _f1_2\"> </span>938<span class=\"__10 _7d_3\"> </span>633<span class=\"__10 _6f_2\"> </span><span class=\"__10 _469\">Andelsv\u00e4rde3</span><span class=\"__10 _f2_2\"> </span>-111/111<span class=\"__10 _469\"> </span>Hedgefonder<span class=\"__10 _c2_3\"> </span><span class=\"ls15_8 ws1d_8\">72<span class=\"__10 _9e_2\"> </span></span>71<span class=\"__10 _6f_2\"> </span><span class=\"__10 _469\">Andelsv\u00e4rde3</span><span class=\"__10 _da_2\"> </span>-6/6<span class=\"__10 _469\"> </span>Kreditfonder<span class=\"__10 _f3_2\"> </span>498<span class=\"__10 _b8_2\"> </span>115<span class=\"__10 _6f_2\"> </span>Andelsv\u00e4rde/<span class=\"__10 _d_9\"/><span class=\"__10 _469\">analytikerkonsensus3</span><span class=\"__10 _f4_2\"> </span>-45/45<span class=\"__10 _469\"> </span>\u00d6vriga fonder<span class=\"__10 _df_2\"> </span><span class=\"ls4_9 ws7_9\">512<span class=\"__10 _a6_3\"> </span></span>168<span class=\"__10 _6f_2\"> </span><span class=\"__10 _469\">Andelsv\u00e4rde/fondkurser3</span><span class=\"__10 _f5_2\"> </span>-46/46<span class=\"__10 _469\"> </span><span class=\"__10 _469\">\u00d6vrigt4</span><span class=\"__10 _f6_2\"> </span>382<span class=\"__10 _513\"> </span><span class=\"ls4_9 ws7_9\">17<span class=\"__10 _c_9\"/>0<span class=\"__10 _6f_2\"> </span></span>\u2013<span class=\"__10 _f7_2\"> </span>-39/39<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _de_2\"> </span>2 402<span class=\"__10 _485\"> </span>1 157<span class=\"__10 _f8_2\"> </span><span class=\"ls3_9 ws6_9\"> -247/24<span class=\"__10 _c_9\"/>7 </span>Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _469\"> </span>R\u00e4ntederiv<span class=\"__10 _471\"/>at<span class=\"__10 _f9_2\"> </span>216<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Optionsmodell<span class=\"__10 _557\"> </span>K<span class=\"__10 _d_9\"/>orrelationer<span class=\"__10 _e2_2\"> </span>-12/12<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>Aktiederiva<span class=\"__10 _d_9\"/>t<span class=\"__10 _fa_2\"> </span><span class=\"lsd_8 ws13_9\">-74<span class=\"__10 _3a_5\"> </span></span>\u2013<span class=\"__10 _6f_2\"> </span>Optionsmodell<span class=\"__10 _557\"> </span>Korrela<span class=\"__10 _d_9\"/>tioner<span class=\"__10 _fb_2\"> </span>-11/8<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>Utdelning<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>alutaderivat<span class=\"__10 _c2_3\"> </span>41<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Optionsmodell<span class=\"__10 _557\"> </span>Korrela<span class=\"__10 _d_9\"/>tioner<span class=\"__10 _fc_3\"> </span>0/0<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>Kreditderiva<span class=\"__10 _471\"/>t<span class=\"__10 _fd_2\"> </span><span class=\"ls4_9 ws7_9\">-18<span class=\"__10 _504\"> </span></span>\u2013<span class=\"__10 _6f_2\"> </span>Kreditderivatmodell <span class=\"__10 _e6_2\"> </span>Korrela<span class=\"__10 _d_9\"/>tioner<span class=\"__10 _490\"> </span>-<span class=\"__10 _d_9\"/>20/<span class=\"__10 _c_9\"/>27<span class=\"__10 _469\"> </span>\u00c5tervinningsgrad<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>\u00d6vrigt<span class=\"__10 _fe_2\"> </span>2<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Optionsmodell<span class=\"__10 _557\"> </span>K<span class=\"__10 _d_9\"/>orrelationer<span class=\"__10 _e4_2\"> </span>-0/0<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _553\"> </span>167<span class=\"__10 _550\"> </span>\u2013<span class=\"__10 _d5_2\"> </span>-43/47<span class=\"__10 _469\"> </span>Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper<span class=\"__10 _469\"> </span>Emitterade struk<span class=\"__10 _d_9\"/>turerade obligationer<span class=\"__10 _548\"> </span>1 588<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Kreditderiv<span class=\"__10 _d_9\"/>atmodell <span class=\"__10 _e1_2\"> </span>Korr<span class=\"__10 _471\"/>elationer<span class=\"__10 _d4_3\"> </span><span class=\"ls16_8 ws1e_7\">-<span class=\"__10 _c_9\"/>7/<span class=\"__10 _1d_6\"/>7<span class=\"__10 _469\"> </span></span>\u00c5tervinningsgrad<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _de_2\"> </span>1 588<span class=\"__10 _504\"> </span><span class=\"ff2_10\">\u2013<span class=\"__10 _ff_2\"> </span></span><span class=\"ls16_8 ws1e_7\">-7/<span class=\"__10 _1d_6\"/>7<span class=\"__10 _469\"> </span></span>\u00d6vrigt, netto<span class=\"__10 _469\"> </span>\u00d6vriga tillg\u00e5ngar och \u00d6vriga skulder<span class=\"__10 _d_9\"/>, netto<span class=\"__10 _7e_2\"> </span><span class=\"ls4_9 ws7_9\">-17<span class=\"__10 _564\"> </span></span>28<span class=\"__10 _6f_2\"> </span>\u2013<span class=\"__10 _570\"> </span>\u2013<span class=\"__10 _571\"> </span>1/-1<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _561\"> </span><span class=\"ls4_9 ws7_9\">-17<span class=\"__10 _ed_2\"> </span></span>28<span class=\"__10 _572\"> </span>1/-1<span class=\"__10 _469\"> </span>1)   <span class=\"__10 _2b_4\"/>Innehav i \ufb01nansiella instrument utg\u00f6r en s<span class=\"__10 _d_9\"/>tor del av livf\u00f6rs\u00e4kringsr\u00f6relsen, i syfte att fullg\u00f6r<span class=\"__10 _471\"/>a \u00e5taganden i f\u00f6rs\u00e4kringsa<span class=\"__10 _d_9\"/>vtal och \ufb01nansiella avtal. Vinster och f\u00f6rlus<span class=\"__10 _471\"/>ter h\u00e4nf<span class=\"__10 _471\"/>\u00f6rliga till dessa instrument alloker<span class=\"__10 _d_9\"/>as n\u00e4stan uteslutande till f\u00f6rs\u00e4kringstagarna och p\u00e5<span class=\"__10 _471\"/>verkar d\u00e4rmed inte Nor<span class=\"__10 _d_9\"/>deas eget kapital<span class=\"__10 _c_9\"/>.<span class=\"__10 _469\"> </span>2)   <span class=\"__10 _2b_4\"/>Var<span class=\"__10 _471\"/><span class=\"__10 _469\">av 155 mn euro priss\u00e4</span><span class=\"__10 _471\"/>tts utifr\u00e5n en kreditspread (skillnaden mellan disk<span class=\"__10 _471\"/>onteringsr\u00e4n<span class=\"__10 _d_9\"/>tan och LIBOR) p\u00e5 1,45 procent, och en rimlig f\u00f6r\u00e4ndring av denna kr<span class=\"__10 _d_9\"/>editspread skulle inte p\u00e5verka det v<span class=\"__10 _471\"/>erkliga v\u00e4rdet med tanke p\u00e5 \u00e5<span class=\"__10 _471\"/>terk\u00f6psm\u00f6jligheten. 3)   <span class=\"__10 _2b_4\"/>Verkligt v\u00e4r<span class=\"__10 _471\"/>de baseras p\u00e5 kurser och andelsv\u00e4rden s<span class=\"__10 _471\"/>om erh\u00e5llits av e<span class=\"__10 _471\"/>xterna leveran<span class=\"__10 _d_9\"/>t\u00f6rer/f\u00f6rvaltare. De<span class=\"__10 _471\"/>ssa kurser fasts<span class=\"__10 _471\"/>t\u00e4lls utifr\u00e5n v\u00e4r<span class=\"__10 _d_9\"/>deutvecklingen i de underliggande tillg\u00e5ng<span class=\"__10 _469\"> </span>-<span class=\"__10 _469\"> </span>arna. Den allra vanligaste v<span class=\"__10 _d_9\"/>\u00e4rderingsmetoden f\u00f6r private equity-fonder hos le<span class=\"__10 _471\"/>verant<span class=\"__10 _471\"/>\u00f6rer/f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>valtare \u00f6v<span class=\"__10 _471\"/>erensst\u00e4mmer med anvisningarna i In<span class=\"__10 _d_9\"/>ternational Private Equity and V<span class=\"__10 _d_9\"/>enture Capital V<span class=\"__10 _d_9\"/>aluation (IPEV), som utf\u00e4rdats a<span class=\"__10 _471\"/>v Invest E<span class=\"__10 _d_9\"/>urope (tidigare kallad EVCA). Ungef<span class=\"__10 _471\"/>\u00e4r 40 procent a<span class=\"__10 _d_9\"/>v innehavet i private equity-f<span class=\"__10 _471\"/>onder justeras/v<span class=\"__10 _471\"/>\u00e4rderas int<span class=\"__10 _471\"/>ernt utifr\u00e5n IPEV<span class=\"__10 _d_9\"/>-<span class=\"__10 _469\"> </span>anvisningarna. De redovisade v\u00e4r<span class=\"__10 _471\"/>dena f\u00f6r dessa ligger i in<span class=\"__10 _471\"/>tervallet 1 till 100 procen<span class=\"__10 _471\"/>t j\u00e4mf\u00f6rt med de v\u00e4r<span class=\"__10 _471\"/>den som erh\u00e5llits fr\u00e5n lever<span class=\"__10 _d_9\"/>ant\u00f6rer/f\u00f6rvaltar<span class=\"__10 _d_9\"/>e.<span class=\"__10 _469\"> </span>4)   <span class=\"__10 _2b_4\"/>Var<span class=\"__10 _471\"/>av 156 mn euro r<span class=\"__10 _471\"/>elateras till tillg\u00e5ngar i placeringsportf<span class=\"__10 _471\"/>\u00f6ljer och fondf<span class=\"__10 _471\"/>\u00f6rs\u00e4kringsavtal.<span class=\"__10 _469\"> </span>T<span class=\"__10 _479\"/>abellerna ovan visar<span class=\"__10 _d_9\"/>, f\u00f6r v<span class=\"__10 _471\"/>arje tillg\u00e5ngs- och skuldklass som h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>ts till niv\u00e5 3, det verkliga v\u00e4r<span class=\"__10 _d_9\"/>det<span class=\"__10 _c_9\"/>, v\u00e4rderingsmetoderna som anv\u00e4n<span class=\"__10 _d_9\"/>ts f\u00f6r ber\u00e4kning a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde, v\u00e4sen<span class=\"__10 _d_9\"/>tliga ej observerbara data s<span class=\"__10 _471\"/>om anv\u00e4n<span class=\"__10 _d_9\"/>ts i v\u00e4rderingsmodellerna samt det verkliga v\u00e4r<span class=\"__10 _471\"/>dets k\u00e4nslighet f\u00f6r f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i viktiga antaganden.<span class=\"__10 _469\"> </span>Kolumnen \u201din<span class=\"__10 _d_9\"/>ter<span class=\"__10 _c_9\"/>vall f<span class=\"__10 _d_9\"/>\u00f6r verklig v\u00e4rde\u201d i tabellen ov<span class=\"__10 _471\"/>an visar k\u00e4nsligheten i verkligt v<span class=\"__10 _471\"/>\u00e4rde f<span class=\"__10 _471\"/>\u00f6r niv\u00e5 3-instrumen<span class=\"__10 _d_9\"/>t vid f\u00f6r\u00e4nd-<span class=\"__10 _469\"> </span>ringar i viktiga an<span class=\"__10 _d_9\"/>taganden. N\u00e4r exponeringen f\u00f6r en ej obser-<span class=\"__10 _469\"> </span>verbar parameter kvitt<span class=\"__10 _471\"/>as mellan olika instrumen<span class=\"__10 _471\"/>t redovisas <span class=\"__10 _469\">endast nettoeff</span><span class=\"__10 _d_9\"/>ekten i tabellen. Redo<span class=\"__10 _471\"/>visat in<span class=\"__10 _471\"/>tervall \u00e4r sanno-<span class=\"__10 _469\"> </span>likt s<span class=\"__10 _471\"/>t\u00f6rre \u00e4n den f<span class=\"__10 _d_9\"/>aktiska os\u00e4kerheten i verkligt v<span class=\"__10 _471\"/>\u00e4rde f<span class=\"__10 _471\"/>\u00f6r dessa instrumen<span class=\"__10 _471\"/>t, eftersom det i praktiken \u00e4r osannolik<span class=\"__10 _d_9\"/>t att<span class=\"__10 _469\"> </span>alla ej observerbara parametr<span class=\"__10 _d_9\"/>ar samtidigt skulle vara i utkan-<span class=\"__10 _469\"> </span>ten a<span class=\"__10 _471\"/>v sina intervall f<span class=\"__10 _d_9\"/>\u00f6r rimligt m\u00f6jliga alternativ<span class=\"__10 _d_9\"/>. Redovis-<span class=\"__10 _469\"> </span>ningen \u00e4r varken f<span class=\"__10 _d_9\"/>\u00f6ruts\u00e4gande eller indikativ f\u00f6r fr<span class=\"__10 _d_9\"/>amtida f\u00f6r-<span class=\"__10 _469\"> </span>\u00e4ndringar i verkligt v\u00e4r<span class=\"__10 _471\"/>de.<span class=\"__10 _469\"> </span>Den redovisade k\u00e4nsligheten (in<span class=\"__10 _d_9\"/>tervallet) i verkligt v\u00e4rde f\u00f6r deriv<span class=\"__10 _471\"/>at ber\u00e4knas enligt samma met<span class=\"__10 _471\"/>oder som vid redovis-<span class=\"__10 _469\"> </span>ningen av ytt<span class=\"__10 _471\"/>erligare v\u00e4r<span class=\"__10 _471\"/>dejusteringar f<span class=\"__10 _d_9\"/>\u00f6r modellrisk och marknadsprisos\u00e4kerhet enligt de\ufb01nitionen i kommissionens delegerade f<span class=\"__10 _d_9\"/>\u00f6rordning (EU) 2016/101 av den 26 ok<span class=\"__10 _471\"/>tober 2015 om komplettering a<span class=\"__10 _d_9\"/>v Europaparlamen<span class=\"__10 _d_9\"/>tets och r\u00e5dets f\u00f6ror<span class=\"__10 _471\"/>d-<span class=\"__10 _469\"> </span>ning (EU) nr 575/2013 med avseende p\u00e5 tekniska tillsynss<span class=\"__10 _d_9\"/>tan-<span class=\"__10 _469\"> </span>darder f<span class=\"__10 _471\"/>\u00f6r f\u00f6rsik<span class=\"__10 _d_9\"/>tig v\u00e4rdering enligt artikel 105(14).<span class=\"__10 _469\"> </span>F\u00f6r a<span class=\"__10 _471\"/>tt ber\u00e4kna k\u00e4nsligheten (in<span class=\"__10 _d_9\"/>tervallet) i verkligt v\u00e4rde f\u00f6r ak<span class=\"__10 _d_9\"/>tier och andelar och r\u00e4nteb\u00e4rande v<span class=\"__10 _d_9\"/>\u00e4rdepapper \u00f6kades och minskades det verkliga v\u00e4r<span class=\"__10 _d_9\"/>det med 2\u201310 procentenhet<span class=\"__10 _471\"/>er<span class=\"__10 _d_9\"/>, beroende p\u00e5 os\u00e4kerheten i v<span class=\"__10 _d_9\"/>\u00e4rderingen och underliggande antaganden. St\u00f6rr<span class=\"__10 _d_9\"/>e intervall till\u00e4mpas p\u00e5 instrument med st\u00f6rre os\u00e4k<span class=\"__10 _d_9\"/>erhet i v\u00e4rderingen j\u00e4mf\u00f6rt med ak<span class=\"__10 _d_9\"/>tivt handlade instrument och underliggande os\u00e4k<span class=\"__10 _d_9\"/>erheter i individuella antaganden.<span class=\"__10 _469\"> </span>F\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndringar i uppskjutna dag 1-resulta<span class=\"__10 _471\"/>t<span class=\"__10 _469\"> </span>T<span class=\"__10 _479\"/>ransaktionspriset f<span class=\"__10 _d_9\"/>\u00f6r \ufb01nansiella instrument \u00f6ver<span class=\"__10 _471\"/>ensst\u00e4mmer i vissa fall in<span class=\"__10 _d_9\"/>te med verkligt v\u00e4rde vid f<span class=\"__10 _471\"/>\u00f6rsta redo<span class=\"__10 _471\"/>visningstill-<span class=\"__10 _469\"> </span>f\u00e4llet (<span class=\"__10 _471\"/>enligt anv\u00e4nd v<span class=\"__10 _d_9\"/>\u00e4rderingsmodell). Sk\u00e4let \u00e4r huvudsakli-<span class=\"__10 _469\"> </span>gen att transak<span class=\"__10 _d_9\"/>tionspriset inte har kunna<span class=\"__10 _471\"/>t fas<span class=\"__10 _471\"/>tst\u00e4llas p\u00e5 en aktiv marknad. Om v<span class=\"__10 _471\"/>\u00e4sentliga ej observerbar<span class=\"__10 _d_9\"/>a data anv\u00e4nds i v\u00e4rderingsmetoden (niv<span class=\"__10 _d_9\"/>\u00e5 3) redovisas det \ufb01nansiella instru-<span class=\"__10 _469\"> </span>mentet till tr<span class=\"__10 _d_9\"/>ansaktionspriset, och den eventuella skillnaden<span class=\"__10 _469\"> </span>mellan transak<span class=\"__10 _471\"/>tionspriset och det verkliga v\u00e4r<span class=\"__10 _d_9\"/>det vid f\u00f6rsta redovisnings<span class=\"__10 _471\"/>tillf\u00e4llet, enligt anv\u00e4nd v<span class=\"__10 _471\"/>\u00e4rderingsmodell (dag 1-re<span class=\"__10 _471\"/>sultat), skjuts upp<span class=\"__10 _471\"/>. <span class=\"__10 _d_9\"/>T<span class=\"__10 _d_9\"/>abellen nedan visar den totala skillna<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>den som kvarst\u00e5r a<span class=\"__10 _471\"/>tt periodisera i re<span class=\"__10 _471\"/>sultatr<span class=\"__10 _d_9\"/>\u00e4kningen vid perio<span class=\"__10 _c_9\"/>-<span class=\"__10 _469\"> </span>dens b\u00f6rjan och slut. T<span class=\"__10 _e_9\"/>abellen visar ocks\u00e5 en avst\u00e4mning a<span class=\"__10 _d_9\"/>v hur detta skillnadsbelopp har f\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndrats under \u00e5ret (f\u00f6r<span class=\"__10 _d_9\"/>\u00e4nd-<span class=\"__10 _469\"> </span>ring i uppskjutna dag 1-re<span class=\"__10 _471\"/>sultat).<span class=\"__10 _469\"> </span>Uppskjutna dag 1-r<span class=\"__10 _471\"/>esultat \u2013 deriv<span class=\"__10 _d_9\"/>at<span class=\"__10 _c_9\"/>, netto<span class=\"__10 _469\"> </span>Mn euro<span class=\"__10 _573\"> </span>2022<span class=\"__10 _538\"> </span>2021<span class=\"__10 _469\"> </span>Belopp vid \u00e5rets b\u00f6rjan<span class=\"__10 _ad_2\"> </span><span class=\"lse_8 ws14_9\">77<span class=\"__10 _b2_3\"> </span><span class=\"ls19_8 ws21_7\">73<span class=\"__10 _469\"> </span></span></span>Uppskjutna resultat f<span class=\"__10 _d_9\"/>r\u00e5n nya transaktioner<span class=\"__10 _574\"> </span>58<span class=\"__10 _b2_3\"> </span>58<span class=\"__10 _469\"> </span>Redovisat i r<span class=\"__10 _d_9\"/><span class=\"__10 _469\">esultatr\u00e4kningen under \u00e5ret1<span class=\"__10 _469\"> </span></span>-51<span class=\"__10 _bc_2\"> </span><span class=\"ls0_10 ws0_10\">-54<span class=\"__10 _469\"> </span></span>Belopp vid \u00e5rets slut<span class=\"__10 _f4_2\"> </span>84<span class=\"__10 _518\"> </span><span class=\"lse_8 ws14_9\">77<span class=\"__10 _469\"> </span></span>1) <span class=\"__10 _575\"> </span> V<span class=\"__10 _d_9\"/>arav -6 mn euro (-8 mn euro) relat<span class=\"__10 _471\"/>eras till \u00f6verf<span class=\"__10 _471\"/>\u00f6ring av deriva<span class=\"__10 _471\"/>tinstrument f<span class=\"__10 _471\"/>r\u00e5n niv\u00e5 3 till niv\u00e5 2.<span class=\"__10 _469\"> </span>Finansiella tillg\u00e5ngar och skulder som int<span class=\"__10 _d_9\"/>e redovisas till verkligt v\u00e4rde i balansr<span class=\"__10 _d_9\"/>\u00e4kningen<span class=\"__10 _469\"> </span>31 dec 2022<span class=\"__10 _d4_3\"> </span>31 dec 2021<span class=\"__10 _469\"> </span>Mn euro<span class=\"__10 _469\"> </span>Redovisat v\u00e4rde<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt <span class=\"__10 _2b_4\"/> v\u00e4rde<span class=\"__10 _469\"> </span>Redovisat v\u00e4rde<span class=\"__10 _469\"> </span>V<span class=\"__10 _471\"/>erkligt <span class=\"__10 _2b_4\"/> v\u00e4rde<span class=\"__10 _469\"> </span>Niv\u00e5 i hierarkin f\u00f6r verkligt <span class=\"__10 _469\">v\u00e4rde2<span class=\"__10 _469\"> </span></span>Tillg\u00e5ngar som inte r<span class=\"__10 _471\"/>edovisas till verkligt v\u00e4r<span class=\"__10 _471\"/>de i balansr\u00e4kningen<span class=\"__10 _469\"> </span>Kassa och tillgodoha<span class=\"__10 _471\"/>vanden hos cen<span class=\"__10 _471\"/>tralbanker<span class=\"__10 _566\"> </span>61 815<span class=\"__10 _8c_2\"> </span>61 815<span class=\"__10 _3e_4\"> </span>47 495<span class=\"__10 _537\"> </span>47 495<span class=\"__10 _576\"> </span>1<span class=\"__10 _469\"> </span>Utl\u00e5ning<span class=\"__10 _577\"> </span>275 837<span class=\"__10 _548\"> </span>276 984<span class=\"__10 _a2_2\"> </span>271 605<span class=\"__10 _b2_3\"> </span>273 610<span class=\"__10 _d0_2\"> </span>3<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _471\"/>ande v\u00e4rdepapper<span class=\"__10 _578\"> </span>3 660<span class=\"__10 _555\"> </span>3 448<span class=\"__10 _555\"> </span>3 448<span class=\"__10 _521\"> </span>3 560<span class=\"__10 _b9_3\"> </span>2,3<span class=\"__10 _469\"> </span>\u00d6vriga tillg\u00e5ngar<span class=\"__10 _579\"> </span>2 261<span class=\"__10 _c0_3\"> </span>2 261<span class=\"__10 _10a_2\"> </span> 829<span class=\"__10 _b3_2\"> </span> 829<span class=\"__10 _10b_2\"> </span>3<span class=\"__10 _469\"> </span>F\u00f6rutbetalda k<span class=\"__10 _471\"/>ostnader och upplupna int<span class=\"__10 _471\"/>\u00e4kter<span class=\"__10 _10c_2\"> </span>475<span class=\"__10 _d7_2\"> </span>475<span class=\"__10 _507\"> </span> 609<span class=\"__10 _507\"> </span> 609<span class=\"__10 _10b_2\"> </span>3<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _577\"> </span>344 048<span class=\"__10 _be_3\"> </span>344 983<span class=\"__10 _547\"> </span>32<span class=\"__10 _c_9\"/>3 986<span class=\"__10 _b2_3\"> </span>326 103<span class=\"__10 _469\"> </span>Skulder som int<span class=\"__10 _471\"/>e redovisas till verkligt v<span class=\"__10 _471\"/>\u00e4rde i balansr\u00e4kningen<span class=\"__10 _469\"> </span>Inl\u00e5ning och skuldinstrumen<span class=\"__10 _471\"/>t<span class=\"__10 _10d_2\"> </span>364 951<span class=\"__10 _545\"> </span>364 961<span class=\"__10 _498\"> </span>352 117<span class=\"__10 _547\"> </span>35<span class=\"__10 _c_9\"/>2 809<span class=\"__10 _10b_2\"> </span>3<span class=\"__10 _469\"> </span><span class=\"__10 _469\">\u00d6vriga skulder1</span><span class=\"__10 _10e_2\"> </span>4 145<span class=\"__10 _3f_4\"> </span>4 145<span class=\"__10 _1c_6\"> </span>3 160<span class=\"__10 _3f_4\"> </span>3 160<span class=\"__10 _10b_2\"> </span>3<span class=\"__10 _469\"> </span>Upplupna kostnader och f<span class=\"__10 _d_9\"/>\u00f6rutbetalda int\u00e4kter<span class=\"__10 _f4_2\"> </span>7<span class=\"__10 _3a_5\"> </span>7<span class=\"__10 _9e_2\"> </span> 8<span class=\"__10 _10f_2\"> </span> 8<span class=\"__10 _10b_2\"> </span>3<span class=\"__10 _469\"> </span>Summa<span class=\"__10 _580\"> </span>369 103<span class=\"__10 _518\"> </span>369 113<span class=\"__10 _545\"> </span>355 285<span class=\"__10 _b2_3\"> </span>355 977<span class=\"__10 _469\"> </span>1)  Leasingskulder presen<span class=\"__10 _471\"/>terade p\u00e5 raden \u201d\u00d6vriga skul<span class=\"__10 _471\"/>der<span class=\"__10 _c_9\"/>\u201d i not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d \u00e4r e<span class=\"__10 _d_9\"/>xkluderade i denna tabell.<span class=\"__10 _469\"> </span>2)  A<span class=\"__10 _d_9\"/>vser b\u00e5de 31 december 2022 och 31 december 2021.<span class=\"__10 _469\"> </span>Kassa och tillgodoha<span class=\"__10 _d_9\"/>vanden hos centr<span class=\"__10 _471\"/>albanker<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>\u00e4rdering till verkligt v\u00e4rde a<span class=\"__10 _d_9\"/>v kontant<span class=\"__10 _471\"/>a medel g\u00f6rs utifr\u00e5n noter<span class=\"__10 _471\"/>ade priser (ojust<span class=\"__10 _471\"/>erade) p\u00e5 ak<span class=\"__10 _d_9\"/>tiva marknader f\u00f6r iden-<span class=\"__10 _469\"> </span>tiska tillg\u00e5ngar och h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s d\u00e4rf\u00f6r till niv\u00e5 1. <span class=\"__10 _479\"/>Tillgodohavan-<span class=\"__10 _469\"> </span>den hos centr<span class=\"__10 _d_9\"/>albanker anses, till f\u00f6ljd a<span class=\"__10 _d_9\"/>v deras kortfristiga natur<span class=\"__10 _d_9\"/>, vara detsamma som k<span class=\"__10 _d_9\"/>ontanta medel och h\u00e4n<span class=\"__10 _471\"/>f\u00f6rs d\u00e4rf\u00f6r ocks\u00e5 till niv\u00e5 1.<span class=\"__10 _469\"> </span>Utl\u00e5ning<span class=\"__10 _469\"> </span>Det verkliga v\u00e4r<span class=\"__10 _471\"/>det p\u00e5 \u201dUtl\u00e5ning till centr<span class=\"__10 _d_9\"/>albanker<span class=\"__10 _1d_6\"/>\u201d<span class=\"__10 _479\"/>, \u201dUtl\u00e5ning till kreditinstitut\u201d och \u201dUtl\u00e5ning till allm\u00e4nheten\u201d har ber\u00e4k<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>nats genom att disk<span class=\"__10 _471\"/>onter<span class=\"__10 _d_9\"/>a de f\u00f6rv\u00e4ntade fr<span class=\"__10 _d_9\"/>amtida kassafl\u00f6-<span class=\"__10 _469\"> </span>dena med en antagen k<span class=\"__10 _471\"/>undr\u00e4n<span class=\"__10 _471\"/>ta som skulle ha an<span class=\"__10 _471\"/>v\u00e4n<span class=\"__10 _471\"/>ts p\u00e5 marknaden om l\u00e5nen hade emittera<span class=\"__10 _471\"/>ts vid v\u00e4rderings<span class=\"__10 _471\"/>tidpunk-<span class=\"__10 _469\"> </span>ten. Den antagna k<span class=\"__10 _d_9\"/>undr\u00e4ntan ber\u00e4knas som r<span class=\"__10 _d_9\"/>eferensr\u00e4n<span class=\"__10 _471\"/>tan plus den genomsnittliga marginalen p\u00e5 nyutl\u00e5ning i P<span class=\"__10 _d_9\"/>ersonal Banking, Business Banking respek<span class=\"__10 _d_9\"/>tive Large Corporat<span class=\"__10 _471\"/>es &amp; Institutions.<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>\u00e4rderingen till verkligt v\u00e4rde har h\u00e4n<span class=\"__10 _471\"/>f\u00f6rts till niv\u00e5 3 i hie-<span class=\"__10 _469\"> </span>rarkin f<span class=\"__10 _471\"/>\u00f6r verkligt v\u00e4r<span class=\"__10 _d_9\"/>de.<span class=\"__10 _469\"> </span>R\u00e4nteb\u00e4r<span class=\"__10 _d_9\"/>ande v\u00e4rdepapper<span class=\"__10 _469\"> </span>Det verkliga v\u00e4r<span class=\"__10 _471\"/><span class=\"__10 _469\">det uppg\u00e5r till 3 448 mn euro (3 560 mn </span>euro), v<span class=\"__10 _471\"/>ara<span class=\"__10 _d_9\"/><span class=\"__10 _469\">v 2 286 mn euro (2 154 mn euro) har h\u00e4nf</span><span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>ts till <span class=\"__10 _469\">niv\u00e5 2 och 1 162 mn euro (1 406 mn eur</span><span class=\"__10 _471\"/>o) till niv\u00e5 3 i hier<span class=\"__10 _d_9\"/>arkin f\u00f6r v<span class=\"__10 _471\"/>erkligt v\u00e4rde. V<span class=\"__10 _479\"/>\u00e4rderingsprinciperna \u00e4r desamma som f\u00f6r liknande instrument s<span class=\"__10 _471\"/>om redovisas till v<span class=\"__10 _471\"/>erkligt v\u00e4rde i balansr\u00e4kningen.<span class=\"__10 _469\"> </span>\u00d6vriga tillg\u00e5ngar samt f<span class=\"__10 _d_9\"/>\u00f6rutbetalda kostnader och upplupna in<span class=\"__10 _d_9\"/>t\u00e4kter<span class=\"__10 _469\"> </span>Balansposterna \u201d\u00d6vriga tillg\u00e5ngar\u201d och \u201dF\u00f6rutbetalda kostna<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>der och upplupna int\u00e4k<span class=\"__10 _d_9\"/>ter<span class=\"__10 _c_9\"/>\u201d utg\u00f6rs av kortfristiga f<span class=\"__10 _d_9\"/>ordringar<span class=\"__10 _d_9\"/>. Det verkliga v\u00e4r<span class=\"__10 _471\"/>det anses d\u00e4rf\u00f6r v<span class=\"__10 _471\"/>ara detsamma som det redovisade v<span class=\"__10 _471\"/>\u00e4rdet och har h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>ts till niv\u00e5 3 i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4r<span class=\"__10 _471\"/>de.<span class=\"__10 _469\"> </span>Inl\u00e5ning och skuldinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _469\"> </span>Det verkliga v\u00e4r<span class=\"__10 _471\"/>det p\u00e5 balansr\u00e4kningspost<span class=\"__10 _471\"/>erna \u201dSkulder till kreditinstitut\u201d<span class=\"__10 _d_9\"/>, \u201dIn- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten\u201d<span class=\"__10 _479\"/>, \u201dEmit-<span class=\"__10 _469\"> </span>terade v<span class=\"__10 _471\"/>\u00e4rdepapper<span class=\"__10 _c_9\"/>\u201d och \u201dEfterst\u00e4llda sk<span class=\"__10 _471\"/>ulder<span class=\"__10 _c_9\"/>\u201d har ber\u00e4knats som det redovisade v<span class=\"__10 _d_9\"/>\u00e4rdet justerat f<span class=\"__10 _d_9\"/>\u00f6r f\u00f6r\u00e4ndringar i verkligt v\u00e4rde g\u00e4llande r<span class=\"__10 _471\"/>\u00e4nterisk och egen kr<span class=\"__10 _d_9\"/>editrisk<span class=\"__10 _c_9\"/>. Det verkliga v\u00e4r-<span class=\"__10 _469\"> </span>det har h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>ts till niv\u00e5 3 i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4rde. F<span class=\"__10 _471\"/>\u00f6r-<span class=\"__10 _469\"> </span>\u00e4ndringarna i verkligt v\u00e4r<span class=\"__10 _471\"/>de h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6rliga till r\u00e4nterisk baseras p\u00e5 f\u00f6r<span class=\"__10 _471\"/>\u00e4ndringar i ber\u00f6rda r<span class=\"__10 _471\"/>\u00e4ntor j\u00e4m<span class=\"__10 _d_9\"/>f\u00f6rt med motsvarande nominell r\u00e4n<span class=\"__10 _471\"/>ta i portf\u00f6ljerna. F<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringarna i verkligt v\u00e4rde h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6rliga till kreditrisk ber\u00e4knas som skillnaden mellan kre-<span class=\"__10 _469\"> </span>ditspreaden i de nominella r\u00e4n<span class=\"__10 _d_9\"/>torna och aktuell kreditspread p\u00e5 marknaden. Ber\u00e4kningen utf<span class=\"__10 _471\"/>\u00f6rs p\u00e5 aggregerad niv\u00e5 f<span class=\"__10 _d_9\"/>\u00f6r all l\u00e5ngfristig uppl\u00e5ning som r<span class=\"__10 _471\"/>edovisas under balanspost<span class=\"__10 _471\"/>erna \u201dEmitterade v<span class=\"__10 _471\"/>\u00e4rdepapper<span class=\"__10 _c_9\"/>\u201d och \u201dEfterst\u00e4llda sk<span class=\"__10 _471\"/>ulder<span class=\"__10 _c_9\"/>\u201d<span class=\"__10 _d_9\"/>. Efter-<span class=\"__10 _469\"> </span>som den avt<span class=\"__10 _471\"/>alade l\u00f6ptiden \u00e4r kort f<span class=\"__10 _471\"/>\u00f6r \u201dSkulder till kredit-<span class=\"__10 _469\"> </span>institut\u201d och \u201dIn- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten\u201d an<span class=\"__10 _471\"/>tas f\u00f6r-<span class=\"__10 _469\"> </span>\u00e4ndringarna i Nordeas egen kreditrisk h\u00e4n<span class=\"__10 _471\"/>f\u00f6rliga till dessa poster v<span class=\"__10 _471\"/>ara obetydliga. Detsamma g\u00e4ller k<span class=\"__10 _471\"/>ortfristig uppl\u00e5ning som redovisas under balanspos<span class=\"__10 _471\"/>terna \u201dEmitterade v<span class=\"__10 _d_9\"/>\u00e4rdepap-<span class=\"__10 _469\"> </span>per<span class=\"__10 _c_9\"/>\u201d och \u201dEfterst\u00e4llda skulder\u201d<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span>\u00d6vriga skulder sam<span class=\"__10 _471\"/>t upplupna kostnader och f\u00f6rutbetalda in<span class=\"__10 _d_9\"/>t\u00e4kter<span class=\"__10 _469\"> </span>Balansposterna \u201d\u00d6vriga skul<span class=\"__10 _471\"/>der<span class=\"__10 _c_9\"/>\u201d och \u201dUpplupna kostnader och f\u00f6rutbetalda in<span class=\"__10 _d_9\"/>t\u00e4kter<span class=\"__10 _c_9\"/>\u201d utg\u00f6rs av k<span class=\"__10 _471\"/>ortfristiga skulder<span class=\"__10 _479\"/>, huvudsakligen relater<span class=\"__10 _d_9\"/>ade till handlade v\u00e4rdepapper som \u00e4nnu inte r<span class=\"__10 _471\"/>eglerats. Det v<span class=\"__10 _d_9\"/>erkliga v\u00e4rdet anses d\u00e4rf\u00f6r var<span class=\"__10 _d_9\"/>a det-<span class=\"__10 _469\"> </span>samma som det redovisade v<span class=\"__10 _d_9\"/>\u00e4rdet och har h\u00e4nf\u00f6rts till niv\u00e5 3 i hierarkin f<span class=\"__10 _471\"/>\u00f6r verkligt v\u00e4r<span class=\"__10 _d_9\"/>de.<span class=\"__10 _469\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueOfFinancialInstrumentsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-628": {
   "value": "K3.4 <span class=\"__10 _a_9\"> </span>V<span class=\"__10 _479\"/>erkligt v\u00e4rde<span class=\"__10 _469\"> </span>Redovisningsprinciper<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde de\ufb01nieras som det pris som vid v<span class=\"__10 _471\"/>\u00e4rderingstid-<span class=\"__10 _469\"> </span>punkten sk<span class=\"__10 _d_9\"/>ulle erh\u00e5llas vid f\u00f6rs\u00e4ljning av en tillg\u00e5ng eller betalas vid \u00f6verl\u00e5<span class=\"__10 _d_9\"/>telse av en skuld i en ordnad tr<span class=\"__10 _d_9\"/>ansaktion mellan marknadsakt\u00f6r<span class=\"__10 _d_9\"/>er. Vid v<span class=\"__10 _d_9\"/>\u00e4rderingen till verkligt v\u00e4rde antas a<span class=\"__10 _471\"/>tt transak<span class=\"__10 _471\"/>tionen sker under ak<span class=\"__10 _471\"/>tuella marknadsf\u00f6rh\u00e5l<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>landen p\u00e5 tillg\u00e5ngens eller skuldens huvudmarknad, eller<span class=\"__10 _479\"/>, om en huvudmarknad saknas, p\u00e5 tillg\u00e5ngens eller skuldens mest f\u00f6r<span class=\"__10 _471\"/>delaktiga marknad.<span class=\"__10 _469\"> </span>Det b\u00e4sta beviset p\u00e5 v<span class=\"__10 _471\"/>erkligt v\u00e4rde \u00e4r f<span class=\"__10 _d_9\"/>\u00f6rekomsten a<span class=\"__10 _d_9\"/>v publicerade prisno<span class=\"__10 _471\"/>teringar p\u00e5 en aktiv marknad och n\u00e4r s\u00e5dana f\u00f6r<span class=\"__10 _471\"/>ekommer anv<span class=\"__10 _471\"/>\u00e4nds de vid v\u00e4rderingen a<span class=\"__10 _d_9\"/>v \ufb01nansiel-<span class=\"__10 _469\"> </span>la tillg\u00e5ngar och \ufb01nansiella skulder<span class=\"__10 _d_9\"/>. En aktiv marknad \u00e4r en marknad d\u00e4r transak<span class=\"__10 _471\"/>tioner med tillg\u00e5ngen eller skulden intr<span class=\"__10 _471\"/><span class=\"__10 _469\">\u00e4ffar tillr</span><span class=\"__10 _d_9\"/>\u00e4ckligt ofta och med tillr\u00e4cklig volym f<span class=\"__10 _d_9\"/>\u00f6r att ge l\u00f6pande prisinf<span class=\"__10 _d_9\"/>ormation. Den absoluta likviditets- och vol<span class=\"__10 _471\"/>ym-<span class=\"__10 _469\"> </span>niv\u00e5n som kr\u00e4<span class=\"__10 _d_9\"/>vs f\u00f6r att marknaden ska anse<span class=\"__10 _471\"/>s vara ak<span class=\"__10 _d_9\"/>tiv varie-<span class=\"__10 _469\"> </span>rar beroende p\u00e5 ins<span class=\"__10 _471\"/>trumentklass. F<span class=\"__10 _d_9\"/>\u00f6r vissa klasser f\u00f6religger l\u00e5g prisvolatilitet, \u00e4<span class=\"__10 _471\"/>ven f<span class=\"__10 _d_9\"/>\u00f6r instrument inom klasser d\u00e4r han-<span class=\"__10 _469\"> </span>delsfrekvens<span class=\"__10 _471\"/>en \u00e4r h\u00f6g. F\u00f6r ins<span class=\"__10 _d_9\"/>trument i s\u00e5dana klasser \u00e4r lik-<span class=\"__10 _469\"> </span>viditetskra<span class=\"__10 _d_9\"/>ven l\u00e4gre och d\u00e4rmed \u00e4r \u00e5ldersgr\u00e4nsen f<span class=\"__10 _471\"/>\u00f6r priserna som anv\u00e4nds f<span class=\"__10 _d_9\"/>\u00f6r att fasts<span class=\"__10 _d_9\"/>t\u00e4lla verkligt v\u00e4rde h\u00f6gre.<span class=\"__10 _469\"> </span>Handelsfrekvens<span class=\"__10 _471\"/>en och volymen \u00f6<span class=\"__10 _d_9\"/>ver<span class=\"__10 _c_9\"/>vakas regelbundet f\u00f6r a<span class=\"__10 _471\"/>tt bed\u00f6ma om marknaderna \u00e4r aktiv<span class=\"__10 _471\"/>a eller int<span class=\"__10 _471\"/>e. Om note-<span class=\"__10 _469\"> </span>rade priser f<span class=\"__10 _d_9\"/>\u00f6r ett \ufb01nansiellt instrument int<span class=\"__10 _d_9\"/>e representer<span class=\"__10 _d_9\"/>ar fak<span class=\"__10 _d_9\"/>tiska och regelbundet f\u00f6rekommande marknads<span class=\"__10 _d_9\"/>transak-<span class=\"__10 _469\"> </span>tioner<span class=\"__10 _d_9\"/>, eller om noterade priser in<span class=\"__10 _d_9\"/>te \ufb01nns tillg\u00e4ngliga, fast-<span class=\"__10 _469\"> </span>st\u00e4lls det verkliga v<span class=\"__10 _d_9\"/>\u00e4rdet med hj\u00e4lp av l\u00e4mplig v\u00e4rderingsme-<span class=\"__10 _469\"> </span>tod. V<span class=\"__10 _d_9\"/>\u00e4rderingsmetodens l\u00e4mplighet, inklusive en bed\u00f6mning av om no<span class=\"__10 _d_9\"/>terade priser eller teoretiska priser ska an<span class=\"__10 _471\"/>v\u00e4ndas, \u00f6vervakas r<span class=\"__10 _471\"/>egelbundet.<span class=\"__10 _469\"> </span>V<span class=\"__10 _d_9\"/>\u00e4rderingsmetoderna kan variera f<span class=\"__10 _471\"/>r\u00e5n enkel anal<span class=\"__10 _d_9\"/>ys av  <span class=\"__10 _2f_4\"/>diskon<span class=\"__10 _d_9\"/>terade kassafl\u00f6den till komple<span class=\"__10 _471\"/>xa optionsv\u00e4r<span class=\"__10 _d_9\"/>derings-<span class=\"__10 _469\"> </span>modeller<span class=\"__10 _d_9\"/>. V<span class=\"__10 _471\"/>\u00e4rderingsmodellerna har utf<span class=\"__10 _471\"/>ormats s\u00e5 att obser-<span class=\"__10 _469\"> </span>verbara marknadspriser och k<span class=\"__10 _d_9\"/>ur<span class=\"__10 _c_9\"/>ser anv\u00e4nds s<span class=\"__10 _471\"/>om indata i f\u00f6r<span class=\"__10 _471\"/>ekommande fall, men \u00e4<span class=\"__10 _d_9\"/>ven icke observerbara modell <span class=\"__10 _558\"/>-<span class=\"__10 _469\"> </span>parametrar kan an<span class=\"__10 _d_9\"/>v\u00e4ndas. V\u00e4r<span class=\"__10 _d_9\"/>deringsmodellens l\u00e4mplighet bed\u00f6ms genom att m\u00e4ta dess f<span class=\"__10 _d_9\"/>\u00f6rm\u00e5ga att matcha marknads-<span class=\"__10 _469\"> </span>priser<span class=\"__10 _d_9\"/>. Detta g\u00f6rs genom att j\u00e4mf<span class=\"__10 _d_9\"/>\u00f6ra ber\u00e4knade priser med relevan<span class=\"__10 _d_9\"/>t j\u00e4mf\u00f6rels<span class=\"__10 _471\"/>edata, t.ex. b\u00f6rsk<span class=\"__10 _471\"/>urser<span class=\"__10 _d_9\"/>, motpartens v\u00e4rde-<span class=\"__10 _469\"> </span>ringar eller konsensuspriser<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>F\u00f6r \ufb01nansiella ins<span class=\"__10 _471\"/>trument d\u00e4r v<span class=\"__10 _471\"/>erkligt v\u00e4rde uppska<span class=\"__10 _d_9\"/>ttas med hj\u00e4lp av en v<span class=\"__10 _d_9\"/>\u00e4rderingsmetod unders\u00f6ks om de variabler som anv\u00e4n<span class=\"__10 _d_9\"/>ts i v\u00e4rderingsmodellen till \u00f6verv\u00e4gande del base-<span class=\"__10 _469\"> </span>rats p\u00e5 da<span class=\"__10 _471\"/>ta fr\u00e5n obs<span class=\"__10 _471\"/>erverbara marknader<span class=\"__10 _d_9\"/>. Med data fr<span class=\"__10 _d_9\"/>\u00e5n observerbara marknader a<span class=\"__10 _d_9\"/>vser Nordea data som kan inh\u00e4m-<span class=\"__10 _469\"> </span>tas fr\u00e5n allm\u00e4n<span class=\"__10 _d_9\"/>t tillg\u00e4ngliga externa k\u00e4llor och som bed\u00f6ms utg\u00f6ra realis<span class=\"__10 _d_9\"/>tiska marknadspriser<span class=\"__10 _471\"/>. Vid anv\u00e4ndning a<span class=\"__10 _d_9\"/>v icke observerbara data, s<span class=\"__10 _471\"/>om har en betydande inv<span class=\"__10 _471\"/>erkan p\u00e5 v\u00e4rde-<span class=\"__10 _469\"> </span>ringen, kan instrumen<span class=\"__10 _471\"/>tet vid f<span class=\"__10 _471\"/>\u00f6rsta redovisnings<span class=\"__10 _d_9\"/>tillf\u00e4llet inte redovisas till det verkliga v<span class=\"__10 _d_9\"/>\u00e4rde som ber\u00e4knats via v\u00e4r<span class=\"__10 _471\"/>de-<span class=\"__10 _469\"> </span>ringsmetoden, och even<span class=\"__10 _d_9\"/>tuella initiala vinster periodiseras d\u00e4r-<span class=\"__10 _469\"> </span>f\u00f6r i r<span class=\"__10 _471\"/>esultatr<span class=\"__10 _d_9\"/>\u00e4kningen \u00f6ver instrument<span class=\"__10 _471\"/>ets l\u00f6ptid. De initiala vinsterna redo<span class=\"__10 _d_9\"/>visas d\u00e4refter direkt i re<span class=\"__10 _471\"/>sultatr<span class=\"__10 _d_9\"/>\u00e4kningen i det fall icke obs<span class=\"__10 _471\"/>erverbara data blir observerbar<span class=\"__10 _d_9\"/>a.<span class=\"__10 _469\"> </span>Tillg\u00e5ngar och skulder v\u00e4r<span class=\"__10 _471\"/>deras till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde utifr\u00e5n de tre niv\u00e5erna i IFRS-hier<span class=\"__10 _471\"/>arkin f\u00f6r v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde. Hierarkin ger h\u00f6gst prioritet till not<span class=\"__10 _d_9\"/>erade priser (ojuster<span class=\"__10 _471\"/>ade) p\u00e5 ak<span class=\"__10 _471\"/>tiva marknader f\u00f6r iden<span class=\"__10 _d_9\"/>tiska tillg\u00e5ngar och skulder (niv\u00e5 1) och l\u00e4gst prioritet till ej observerbar indat<span class=\"__10 _471\"/>a (niv\u00e5 3). Klassi\ufb01ce-<span class=\"__10 _469\"> </span>ringen av dessa ins<span class=\"__10 _d_9\"/>trument baseras p\u00e5 den l\u00e4gsta niv<span class=\"__10 _d_9\"/>\u00e5 indata som \u00e4r v\u00e4sen<span class=\"__10 _d_9\"/>tlig f\u00f6r verkligt v\u00e4rde-v<span class=\"__10 _d_9\"/>\u00e4rderingen i sin helhet<span class=\"__10 _c_9\"/>.<span class=\"__10 _469\"> </span>Niv\u00e5 1 i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4rde utg\u00f6rs a<span class=\"__10 _d_9\"/>v tillg\u00e5ngar och skulder som v\u00e4r<span class=\"__10 _d_9\"/>derats med hj\u00e4lp av ojus<span class=\"__10 _471\"/>terade no<span class=\"__10 _471\"/>terade pri-<span class=\"__10 _469\"> </span>ser p\u00e5 aktiv<span class=\"__10 _d_9\"/>a marknader f\u00f6r identiska tillg\u00e5ngar och skulder<span class=\"__10 _479\"/>.<span class=\"__10 _469\"> </span>En aktiv marknad \u00e4r en marknad d\u00e4r tr<span class=\"__10 _471\"/>ansaktioner med till<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span>g\u00e5ngen eller skulden in<span class=\"__10 _471\"/><span class=\"__10 _469\">tr\u00e4ff</span><span class=\"__10 _d_9\"/>ar tillr\u00e4ckligt ofta och med till-<span class=\"__10 _469\"> </span>r\u00e4cklig vol<span class=\"__10 _d_9\"/>ym f\u00f6r att ge l\u00f6pande prisinf<span class=\"__10 _d_9\"/>ormation. Niv\u00e5 2 i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4rde utg\u00f6rs a<span class=\"__10 _d_9\"/>v tillg\u00e5ngar och skulder som in<span class=\"__10 _471\"/>te har noter<span class=\"__10 _d_9\"/>ade marknadspriser direkt tillg\u00e4ng-<span class=\"__10 _469\"> </span>liga fr\u00e5n ak<span class=\"__10 _d_9\"/>tiva marknader<span class=\"__10 _d_9\"/>. Verkligt v<span class=\"__10 _471\"/>\u00e4rde baseras p\u00e5 no<span class=\"__10 _d_9\"/>te-<span class=\"__10 _469\"> </span>rade priser f<span class=\"__10 _d_9\"/>\u00f6r liknande tillg\u00e5ngar eller skulder p\u00e5 aktiva marknader<span class=\"__10 _d_9\"/>, eller noterade priser p\u00e5 iden<span class=\"__10 _d_9\"/>tiska eller liknande tillg\u00e5ngar eller skulder p\u00e5 marknader som in<span class=\"__10 _d_9\"/>te \u00e4r aktiva. V<span class=\"__10 _d_9\"/>erk-<span class=\"__10 _469\"> </span>ligt v\u00e4rde kan ocks\u00e5 ber<span class=\"__10 _d_9\"/>\u00e4knas med hj\u00e4lp av v\u00e4rderingsmeto-<span class=\"__10 _469\"> </span>der eller v\u00e4rderingsmodeller som bas<span class=\"__10 _471\"/>eras p\u00e5 marknadspriser eller indata p\u00e5 balansdagen, om ev<span class=\"__10 _d_9\"/>entuella ej observerbara indata har haft en obety<span class=\"__10 _471\"/>dlig inverkan p\u00e5 de v<span class=\"__10 _d_9\"/>erkliga v\u00e4rdena.<span class=\"__10 _469\"> </span>Niv\u00e5 3 i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4rde utg\u00f6rs a<span class=\"__10 _d_9\"/>v de tillg\u00e5ngar och skulder f<span class=\"__10 _471\"/>\u00f6r vilka verkliga v\u00e4r<span class=\"__10 _d_9\"/>den inte kan erh\u00e5llas direk<span class=\"__10 _471\"/>t fr\u00e5n no<span class=\"__10 _471\"/>terade marknadspriser eller indir<span class=\"__10 _d_9\"/>ekt via v\u00e4rderingsme-<span class=\"__10 _469\"> </span>toder eller v\u00e4rderingsmodell<span class=\"__10 _471\"/>er som bygger p\u00e5 observerbar<span class=\"__10 _d_9\"/>a marknadspriser eller indata.<span class=\"__10 _469\"> </span>Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__10 _d_9\"/>ttningar Kritiska bed\u00f6mningar med betydande inv<span class=\"__10 _471\"/>erkan p\u00e5 redovisade belopp f\u00f6r \ufb01nansiella ins<span class=\"__10 _471\"/>trument g\u00f6rs i samband med f<span class=\"__10 _471\"/>ast-<span class=\"__10 _469\"> </span>st\u00e4llande a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde p\u00e5 O<span class=\"__10 _d_9\"/>TC<span class=\"__10 _479\"/>-<span class=\"__10 _c_9\"/>derivat och andr<span class=\"__10 _471\"/>a \ufb01nan-<span class=\"__10 _469\"> </span>siella instrument s<span class=\"__10 _471\"/>om saknar noter<span class=\"__10 _471\"/>ade kurser eller nyligen observerade marknadskurser<span class=\"__10 _479\"/>, s\u00e5som onoterade ak<span class=\"__10 _471\"/>tier<span class=\"__10 _d_9\"/>. Bed\u00f6mningarna omf<span class=\"__10 _d_9\"/>attar f\u00f6ljande:<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">V<span class=\"__10 _d_9\"/>al av v\u00e4r<span class=\"__10 _d_9\"/>deringsmetoder<span class=\"__10 _471\"/>.<span class=\"__10 _469\"> </span></span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Bed\u00f6mning av n\u00e4r no<span class=\"__10 _d_9\"/>terade kurser inte mo<span class=\"__10 _471\"/>tsvarar v<span class=\"__10 _d_9\"/>erkligt </span>v\u00e4rde (bland anna<span class=\"__10 _471\"/>t bed\u00f6mning av om marknaden \u00e4r ak<span class=\"__10 _d_9\"/>tiv).<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Ber\u00e4kning a<span class=\"__10 _d_9\"/>v justeringar till verkligt v\u00e4rde f<span class=\"__10 _d_9\"/>\u00f6r att beakta rel<span class=\"__10 _d_9\"/><span class=\"ws0_10\">-<span class=\"__10 _469\"> </span></span></span>evan<span class=\"__10 _d_9\"/>ta riskfaktor<span class=\"__10 _471\"/>er s\u00e5som kreditrisk, modellrisk och likviditetsrisk.<span class=\"__10 _469\"> </span>\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Bed\u00f6mning av vilka marknadspar<span class=\"__10 _d_9\"/>ametrar som kan </span>observeras.<span class=\"__10 _469\"> </span>De kritiska bed\u00f6mningarna som kr\u00e4<span class=\"__10 _d_9\"/>vs vid fastst\u00e4llandet a<span class=\"__10 _d_9\"/>v verkligt v\u00e4r<span class=\"__10 _471\"/>de p\u00e5 \ufb01nansiella instrument s<span class=\"__10 _471\"/>om saknar noter<span class=\"__10 _471\"/>ade kurser eller nyligen observer<span class=\"__10 _471\"/>ade marknadskurser medf\u00f6r ocks\u00e5 en h\u00f6g grad a<span class=\"__10 _d_9\"/>v os\u00e4kerhet i uppskattningarna.<span class=\"__10 _469\"> </span>I samtliga f<span class=\"__10 _d_9\"/>all baseras besluten p\u00e5 en prof<span class=\"__10 _d_9\"/>essionell bed\u00f6m-<span class=\"__10 _469\"> </span>ning i enlighet med Nordeas redovisnings- och v<span class=\"__10 _d_9\"/>\u00e4rderings-<span class=\"__10 _469\"> </span>principer<span class=\"__10 _d_9\"/>. Det verkliga v\u00e4rdet p\u00e5 \ufb01nansiella tillg\u00e5ngar och skulder v\u00e4r<span class=\"__10 _471\"/>derade med hj\u00e4lp a<span class=\"__10 _d_9\"/>v en v\u00e4rderingsmetod, niv\u00e5 2 och 3 i v\u00e4rderingshier<span class=\"__10 _471\"/><span class=\"__10 _469\">arkin, uppgick till 158 546 mn euro </span>(157 336 mn euro<span class=\"__10 _471\"/>) respek<span class=\"__10 _471\"/><span class=\"__10 _469\">tive 118 626 mn euro (112 568 mn </span>euro) vid \u00e5r<span class=\"__10 _471\"/>ets slut. V\u00e4r<span class=\"__10 _d_9\"/>deringsjusteringar (CV<span class=\"__10 _d_9\"/>A, DV<span class=\"__10 _479\"/>A<span class=\"__10 _c_9\"/>, FFV<span class=\"__10 _d_9\"/>A, NFV<span class=\"__10 _479\"/>A<span class=\"__10 _c_9\"/>, k\u00f6p/s\u00e4lj-jus<span class=\"__10 _471\"/>teringar<span class=\"__10 _d_9\"/>, modellriskjusteringar och just<span class=\"__10 _471\"/>e-<span class=\"__10 _469\"> </span>ringar f\u00f6r v<span class=\"__10 _471\"/>ariationer i oberoende prisk<span class=\"__10 _471\"/>ontroller) s<span class=\"__10 _471\"/>om g\u00f6rs f\u00f6r att f<span class=\"__10 _471\"/>astst\u00e4lla v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde p\u00e5 \ufb01nansiella instrument (inklu-<span class=\"__10 _469\"> </span>sive de som v\u00e4r<span class=\"__10 _d_9\"/>deras till verkligt v\u00e4rde via \u00f6vrigt t<span class=\"__10 _471\"/>otalresul<span class=\"__10 _d_9\"/>tat) p\u00e5v<span class=\"__10 _d_9\"/><span class=\"__10 _469\">erkade eget kapital negativt med -47 mn euro (-121 mn </span>euro). Upplysningar om k\u00e4nslighetsanal<span class=\"__10 _471\"/>ysen f\u00f6r v<span class=\"__10 _d_9\"/>erkliga v\u00e4rden p\u00e5 \ufb01nansiella instrument med bety<span class=\"__10 _d_9\"/>dande icke-obser<span class=\"__10 _c_9\"/>verbara indata \ufb01nns i tabellen \u201dV<span class=\"__10 _d_9\"/>\u00e4rderingsmetoder och indat<span class=\"__10 _471\"/>a som anv\u00e4nds vid v<span class=\"__10 _471\"/>\u00e4rderingen till verkligt v<span class=\"__10 _471\"/>\u00e4rde i niv\u00e5 3\u201d i den h\u00e4r noten.<span class=\"__10 _469\"> </span>Os\u00e4kerhet i uppskattningar upps<span class=\"__10 _471\"/>t\u00e5r \u00e4<span class=\"__10 _471\"/>ven vid f<span class=\"__10 _471\"/>\u00f6rsta redo-<span class=\"__10 _469\"> </span>visningstillf<span class=\"__10 _471\"/>\u00e4llet f\u00f6r \ufb01nansiella ins<span class=\"__10 _d_9\"/>trument som utg\u00f6r en del av st\u00f6rre s<span class=\"__10 _d_9\"/>trukturella transak<span class=\"__10 _d_9\"/>tioner. <span class=\"__10 _d_9\"/>\u00c4v<span class=\"__10 _d_9\"/>en om den efterf\u00f6ljande v\u00e4rderingen in<span class=\"__10 _d_9\"/>te \u00e4r till verkligt v\u00e4rde redo<span class=\"__10 _471\"/>visas dessa instru-<span class=\"__10 _469\"> </span><span class=\"__10 _469\">ment vid anskaff</span><span class=\"__10 _d_9\"/>ningstillf\u00e4llet till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de och d\u00e5 det normalt int<span class=\"__10 _471\"/>e \ufb01nns n\u00e5got separ<span class=\"__10 _471\"/>at transak<span class=\"__10 _d_9\"/>tionspris eller n\u00e5gon aktiv marknad f<span class=\"__10 _d_9\"/>\u00f6r dylika individuella instrument m\u00e5ste det verkliga v\u00e4r<span class=\"__10 _471\"/>det estimeras<span class=\"__10 _469\"> </span><div class=\"t_10 m0_10 h1_10 ff1_10 fs0_10 fc0_10 sc0_10 ls0_10 ws0_10\" style=\"left:656.3909px; bottom:2.1012287px;\">127<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h2_10 ff2_10 fs1_9 fc0_10 sc0_10 ls0_10 ws1_10\" style=\"left:497.5244px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h3_9 ff2_10 fs1_9 fc0_10 sc0_10 ls1_10 ws2_9\" style=\"left:4.2144775px; bottom:1029.1447px;\">Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span></div><div class=\"t_10 m0_10 h8_9 ff1_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:951.6515px;\">V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde p\u00e5 \ufb01nansiella tillg\u00e5ngar och skulder<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:127.616714px; bottom:935.1175px;\">31 dec 2022<span class=\"__10 _559\"> </span>31 dec 2021<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:909.19806px;\">Mn euro<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:109.47275px; bottom:918.94806px;\">Redovisat </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:124.79195px; bottom:909.19806px;\">v\u00e4rde<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:167.99615px; bottom:918.94806px;\">V<span class=\"__10 _471\"/>erkligt </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:176.38115px; bottom:909.19806px;\">v\u00e4rde<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:212.65115px; bottom:918.94806px;\">Redovisat </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:227.89743px; bottom:909.19806px;\">v\u00e4rde<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:271.17456px; bottom:918.94806px;\">V<span class=\"__10 _471\"/>erkligt </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:279.55954px; bottom:909.19806px;\">v\u00e4rde<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:888.04614px;\">Finansiella tillg\u00e5ngar<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:870.90173px;\">Kassa och </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:859.8544px;\">tillgodohav<span class=\"__10 _471\"/>anden hos </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:848.80695px;\">centr<span class=\"__10 _471\"/>albanker<span class=\"__10 _8a_2\"> </span>61 815<span class=\"__10 _1f_6\"> </span>61 815<span class=\"__10 _2a_4\"> </span>47 495<span class=\"__10 _4a_2\"> </span>47 495<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:831.66254px;\">Utl\u00e5ning<span class=\"__10 _4c_2\"> </span>349 085<span class=\"__10 _6f_2\"> </span>350 232<span class=\"__10 _531\"> </span>347 377<span class=\"__10 _6c_2\"> </span>349 382<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:814.5182px;\">R\u00e4nteb\u00e4r<span class=\"__10 _471\"/>ande </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:803.47076px;\">v\u00e4rdepapper<span class=\"__10 _3a_5\"> </span>63 524<span class=\"__10 _5c_2\"> </span>63 312<span class=\"__10 _2a_4\"> </span>63 383<span class=\"__10 _4a_2\"> </span>63 495<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:786.32635px;\">Pan<span class=\"__10 _471\"/>tsatta \ufb01nansiella </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:775.27893px;\">instrument<span class=\"__10 _8b_2\"> </span>4 902<span class=\"__10 _515\"> </span>4 902<span class=\"__10 _483\"> </span>1 668<span class=\"__10 _487\"> </span>1 668<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:758.1346px;\">Aktier och andelar<span class=\"__10 _8c_2\"> </span>17 924<span class=\"__10 _5c_2\"> </span>17 924<span class=\"__10 _538\"> </span>15 217<span class=\"__10 _538\"> </span>15 217<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 lsf_8 ws0_10\" style=\"left:4.2144775px; bottom:740.9902px;\">Tillg\u00e5ngar i </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 lsf_8 ws0_10\" style=\"left:4.2144775px; bottom:729.94275px;\">placeringsportf\u00f6ljer och </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 lsf_8 ws15_9\" style=\"left:4.2144775px; bottom:718.8954px;\">fondf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s\u00e4kringsavtal<span class=\"__10 _520\"> </span><span class=\"ls0_10 ws0_10\">40 955<span class=\"__10 _4a_2\"> </span>40 955<span class=\"__10 _491\"> </span>46 310<span class=\"__10 _2a_4\"> </span>46 310<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:701.751px;\">Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _8c_2\"> </span>36 578<span class=\"__10 _2a_4\"> </span>36 578<span class=\"__10 _4a_2\"> </span>30 200<span class=\"__10 _4a_2\"> </span>30 200<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:684.60657px;\">\u00d6vriga tillg\u00e5ngar<span class=\"__10 _519\"> </span>8 621<span class=\"__10 _483\"> </span>8 621<span class=\"__10 _514\"> </span>8 094<span class=\"__10 _5a_2\"> </span>8 094<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls4_9 ws0_10\" style=\"left:4.2144775px; bottom:667.46216px;\">F\u00f6rutbetalda k<span class=\"__10 _471\"/>ostnader </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls4_9 ws0_10\" style=\"left:4.2144775px; bottom:656.41473px;\">och upplupna int\u00e4k<span class=\"__10 _d_9\"/>ter<span class=\"__10 _3e_4\"> </span><span class=\"ls0_10\">475<span class=\"__10 _498\"> </span>475<span class=\"__10 _545\"> </span> 609<span class=\"__10 _545\"> </span> 609<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:639.2704px;\">Summa<span class=\"__10 _8d_2\"> </span>583 879<span class=\"__10 _522\"> </span>584 814<span class=\"__10 _522\"> </span>560 353<span class=\"__10 _522\"> </span>562 470<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h8_9 ff1_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:949.1225px;\">V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde p\u00e5 \ufb01nansiella tillg\u00e5ngar och skulder<span class=\"__10 _479\"/>, forts.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:448.2152px; bottom:932.58844px;\">31 dec 2022<span class=\"__10 _559\"> </span>31 dec 2021<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:325.77078px; bottom:906.66907px;\">Mn euro<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:429.48102px; bottom:916.41907px;\">Redovisat </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:446.2038px; bottom:906.66907px;\">v\u00e4rde<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:488.5946px; bottom:916.41907px;\">V<span class=\"__10 _471\"/>erkligt </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:497.5244px; bottom:906.66907px;\">v\u00e4rde<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:533.3674px; bottom:916.41907px;\">Redovisat </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:548.24084px; bottom:906.66907px;\">v\u00e4rde<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:591.773px; bottom:916.41907px;\">V<span class=\"__10 _471\"/>erkligt </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:600.158px; bottom:906.66907px;\">v\u00e4rde<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:325.77078px; bottom:885.5173px;\">Finansiella skulder<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:325.77078px; bottom:868.37286px;\">Inl\u00e5ning och </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:325.77078px; bottom:857.32544px;\">skuldinstrumen<span class=\"__10 _471\"/>t<span class=\"__10 _555\"> </span>433 362<span class=\"__10 _6f_2\"> </span>4<span class=\"__10 _c_9\"/>33 372<span class=\"__10 _6f_2\"> </span>416 078<span class=\"__10 _531\"> </span>416 770<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:325.77078px; bottom:840.1811px;\">Inl\u00e5ning i </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:325.77078px; bottom:829.13367px;\">placeringsportf\u00f6ljer </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:325.77078px; bottom:818.08624px;\">och fondf<span class=\"__10 _d_9\"/>\u00f6r-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:325.77078px; bottom:807.0389px;\">s\u00e4kringsavtal<span class=\"__10 _550\"> </span><span class=\"ls4_9 ws7_9\">42 7<span class=\"__10 _c_9\"/>76<span class=\"__10 _491\"> </span>4<span class=\"__10 _c_9\"/>2 776<span class=\"__10 _491\"> </span></span>48 201<span class=\"__10 _491\"> </span>48 201<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:325.77078px; bottom:789.8945px;\">Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _536\"> </span>40 102<span class=\"__10 _2a_4\"> </span>40 102<span class=\"__10 _491\"> </span>31 485<span class=\"__10 _491\"> </span>31 4<span class=\"__10 _c_9\"/>85<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:325.77078px; bottom:772.75006px;\"><span class=\"__10 _469\">\u00d6vriga skulder1 </span><span class=\"__10 _519\"> </span>14 347<span class=\"__10 _5c_2\"> </span>14 347<span class=\"__10 _5c_2\"> </span>15 033<span class=\"__10 _491\"> </span>15 033<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:325.77078px; bottom:755.60565px;\">Upplupna kostnader </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:325.77078px; bottom:744.5583px;\">och f\u00f6rutbetalda </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:325.77078px; bottom:733.51086px;\">int\u00e4k<span class=\"__10 _d_9\"/>ter<span class=\"__10 _8e_2\"> </span>7<span class=\"__10 _5e_2\"> </span>7<span class=\"__10 _3f_4\"> </span> 8<span class=\"__10 _3f_4\"> </span> 8<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:325.77078px; bottom:716.36646px;\">Summa<span class=\"__10 _8d_2\"> </span>530 594<span class=\"__10 _476\"> </span>530 604<span class=\"__10 _6c_2\"> </span>510 805<span class=\"__10 _531\"> </span>511 497<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:696.50946px;\">1)  Leasingskulder presen<span class=\"__10 _471\"/>terade p\u00e5 raden \u201d\u00d6vriga skul<span class=\"__10 _471\"/>der<span class=\"__10 _c_9\"/>\u201d i not K3.3 \u201dKlassi\ufb01cering och </div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:329.826px; bottom:687.6726px;\">v\u00e4rdering\u201d \u00e4r exkl<span class=\"__10 _471\"/>uderade i denna tabell.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h6_9 ff1_10 fs4_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:583.76556px;\">V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde f<span class=\"__10 _471\"/>\u00f6r poster som redo<span class=\"__10 _d_9\"/>visats </div><div class=\"t_10 m0_10 h6_9 ff1_10 fs4_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:570.24036px;\">till verkligt v\u00e4r<span class=\"__10 _471\"/>de i balansr\u00e4kningen<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 he_9 ff2_10 fs4_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:556.71515px;\">F<span class=\"__10 _d_9\"/>astst\u00e4llande a<span class=\"__10 _471\"/>v verkligt v\u00e4r<span class=\"__10 _d_9\"/>de<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:543.1783px;\">V<span class=\"__10 _d_9\"/>\u00e4rderingsmodellerna som Nordea anv\u00e4nder \u00f6<span class=\"__10 _471\"/>verenss<span class=\"__10 _471\"/>t\u00e4m-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:529.6531px;\">mer med accept<span class=\"__10 _471\"/>erade ekonomiska met<span class=\"__10 _471\"/>oder f\u00f6r priss\u00e4<span class=\"__10 _471\"/>ttning </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:516.12787px;\">av \ufb01nansiella ins<span class=\"__10 _d_9\"/>trument och tar h\u00e4nsyn till alla fak<span class=\"__10 _471\"/>torer som </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:502.60266px;\">marknadsakt\u00f6r<span class=\"__10 _d_9\"/>er skulle beakta vid priss\u00e4ttning. V<span class=\"__10 _479\"/>arje ny v\u00e4r-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:489.07745px;\">deringsmodell godk\u00e4nns av modellriskk<span class=\"__10 _d_9\"/>ommitt\u00e9n (Model </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:475.55225px;\">Risk Committee) och alla modeller gr<span class=\"__10 _471\"/>anskas regelbundet. </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:12.908623px; bottom:462.02707px;\">Komple<span class=\"__10 _d_9\"/>xa v\u00e4rderingsmodeller brukar k\u00e4nnetecknas a<span class=\"__10 _d_9\"/>v att </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:0.013267517px; bottom:448.50186px;\">de anv\u00e4nder sig a<span class=\"__10 _d_9\"/>v icke-observerbara och modellspeci\ufb01ka </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:0.013267517px; bottom:434.97665px;\">indata. <span class=\"__10 _d_9\"/>Alla v\u00e4rderingsmodeller<span class=\"__10 _d_9\"/>, b\u00e5de komplexa och enkla, </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:0.013267517px; bottom:421.45145px;\">anv\u00e4nder sig a<span class=\"__10 _d_9\"/>v marknadspriser och indata, bland annat r\u00e4n<span class=\"__10 _d_9\"/>tor<span class=\"__10 _d_9\"/>,<span class=\"__10 _c_9\"/> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:0.013267517px; bottom:407.92627px;\">volatilitet och k<span class=\"__10 _d_9\"/>orrelation. Vissa marknadspriser och indata \u00e4r </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:0.013267517px; bottom:394.40106px;\">observerbara, medan andra in<span class=\"__10 _d_9\"/>te \u00e4r det<span class=\"__10 _c_9\"/>. F\u00f6r de fles<span class=\"__10 _d_9\"/>ta vanliga </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:0.013267517px; bottom:380.87585px;\">valutor \u00e4r r<span class=\"__10 _d_9\"/>\u00e4ntorna observerbara, och de implicita vola<span class=\"__10 _d_9\"/>tilitets-<span class=\"__10 _c_9\"/> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:0.013267517px; bottom:367.35065px;\">och korrelations<span class=\"__10 _d_9\"/>talen f\u00f6r dessa valut<span class=\"__10 _471\"/>or och r\u00e4n<span class=\"__10 _471\"/>tor \u00e4r observer<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:0.013267517px; bottom:353.82547px;\">bara genom optionspriser upp till en viss l\u00f6p<span class=\"__10 _d_9\"/>tid. Implicita vola<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:0.013267517px; bottom:340.30026px;\">tilitets- och korrela<span class=\"__10 _d_9\"/>tionstal \u00e4r ocks\u00e5 observerbara f\u00f6r de mes<span class=\"__10 _471\"/>t </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:0.013267517px; bottom:326.77505px;\">likvida aktieins<span class=\"__10 _471\"/>trumenten. F<span class=\"__10 _d_9\"/>\u00f6r mindre likvida aktieinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _c_9\"/> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:0.013267517px; bottom:313.24985px;\">\u00e4r optionsmarknaden t\u00e4mligen illikvid, och d\u00e4rf\u00f6r \u00e4r de impli<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls9_9 ws0_10\" style=\"left:0.013267517px; bottom:299.72467px;\">cita volatilit<span class=\"__10 _471\"/>ets- och korrelations<span class=\"__10 _d_9\"/>talen inte observerbara.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:12.908623px; bottom:286.19946px;\">Nordea anv<span class=\"__10 _471\"/>\u00e4nder fr\u00e4ms<span class=\"__10 _471\"/>t publicerade prisno<span class=\"__10 _471\"/>teringar f<span class=\"__10 _471\"/>\u00f6r att </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:272.67426px;\">fas<span class=\"__10 _471\"/>tst\u00e4lla verkligt v<span class=\"__10 _d_9\"/>\u00e4rde p\u00e5 instrument som redo<span class=\"__10 _d_9\"/>visas under </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:259.14905px;\">f\u00f6ljande balanspos<span class=\"__10 _471\"/>ter:<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:245.62387px;\">\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">R\u00e4nteb\u00e4r<span class=\"__10 _d_9\"/>ande v\u00e4rdepapper<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:232.09866px;\">\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Aktier och andelar (no<span class=\"__10 _471\"/>terade<span class=\"__10 _471\"/>)<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:218.57346px;\">\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Derivatins<span class=\"__10 _471\"/>trument (no<span class=\"__10 _471\"/>terade<span class=\"__10 _471\"/>)<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:205.04826px;\">\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Emitterade v<span class=\"__10 _471\"/>\u00e4rdepapper (emitter<span class=\"__10 _d_9\"/>ade bostadsobligationer </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:12.908623px; bottom:191.52306px;\"><span class=\"__10 _469\">i </span><span class=\"__10 _d_9\"/>Nordea<span class=\"wsa_9\"> Kredit Realkreditak<span class=\"__10 _d_9\"/>tieselskab).<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:164.46161px;\">Nordea anv<span class=\"__10 _471\"/>\u00e4nder fr\u00e4ms<span class=\"__10 _471\"/>t v\u00e4rderingsmet<span class=\"__10 _471\"/>oder f\u00f6r a<span class=\"__10 _471\"/>tt fas<span class=\"__10 _471\"/>tst\u00e4lla </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:150.9364px;\">verkligt v\u00e4r<span class=\"__10 _471\"/>de p\u00e5 instrument s<span class=\"__10 _471\"/>om redovisas under f<span class=\"__10 _d_9\"/>\u00f6ljande </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:137.41121px;\">balansposter:<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:123.886px;\">\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Utl\u00e5ning till allm\u00e4nheten (hypot<span class=\"__10 _d_9\"/>eksl\u00e5n i <span class=\"ws0_10\">Nordea</span> Kredit </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:12.908623px; bottom:110.36081px;\">Realkreditak<span class=\"__10 _d_9\"/>tieselskab)<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:96.83561px;\">\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">R\u00e4nteb\u00e4r<span class=\"__10 _d_9\"/>ande v\u00e4rdepapper (n\u00e4r prisnoteringar p\u00e5 en ak<span class=\"__10 _471\"/>tiv </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 wsa_9\" style=\"left:12.908623px; bottom:83.31041px;\">marknad saknas)<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:69.78521px;\">\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Aktier och andelar (n\u00e4r prisno<span class=\"__10 _471\"/>teringar p\u00e5 en aktiv marknad </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:12.908623px; bottom:56.26001px;\">saknas)<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:42.73481px;\">\u2022 <span class=\"__10 _2d_4\"> </span><span class=\"wsa_9\">Derivatins<span class=\"__10 _471\"/>trument (<span class=\"__10 _d_9\"/>OT<span class=\"__10 _d_9\"/>C<span class=\"__10 _d_9\"/>-<span class=\"__10 _c_9\"/>derivat).<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:584.3837px;\">F\u00f6r r<span class=\"__10 _d_9\"/>\u00e4nteb\u00e4rande v\u00e4rdepapper g\u00f6rs uppdelningen i de tr<span class=\"__10 _471\"/>e </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:570.8585px;\">niv\u00e5erna mot bak<span class=\"__10 _471\"/>grund av den in<span class=\"__10 _d_9\"/>terna v\u00e4rderingsmetoden. </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:557.3333px;\">V<span class=\"__10 _d_9\"/>\u00e4rderingen av dessa instrumen<span class=\"__10 _d_9\"/>t kan antingen vara bas<span class=\"__10 _471\"/>erade </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:543.8081px;\">p\u00e5 direkt<span class=\"__10 _471\"/>a noteringar p\u00e5 en ak<span class=\"__10 _d_9\"/>tiv marknad (niv\u00e5 1) eller v\u00e4r-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:530.2829px;\">derade med hj\u00e4lp a<span class=\"__10 _d_9\"/>v en metod d\u00e4r priset baseras p\u00e5 obser-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:516.7577px;\">verbara marknadsda<span class=\"__10 _d_9\"/>ta (niv\u00e5 2). Om p\u00e5verkan f<span class=\"__10 _d_9\"/>r\u00e5n ej obser-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws16_9\" style=\"left:320.61172px; bottom:503.23248px;\">verbara par<span class=\"__10 _471\"/>ametrar p\u00e5 v\u00e4r<span class=\"__10 _d_9\"/>deringen av obligationen \u00e4r v\u00e4sen<span class=\"__10 _d_9\"/>t<span class=\"ws0_10\">-<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:489.70734px;\">lig klassi\ufb01ceras obliga<span class=\"__10 _471\"/>tionen som niv\u00e5 3 i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:476.1821px;\">v\u00e4rde.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:333.50708px; bottom:462.65692px;\">F\u00f6r O<span class=\"__10 _d_9\"/>T<span class=\"__10 _471\"/>C<span class=\"__10 _d_9\"/>-derivat anv\u00e4nds v<span class=\"__10 _d_9\"/>\u00e4rderingsmodeller f\u00f6r att f<span class=\"__10 _471\"/>ast-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:449.1317px;\">st\u00e4lla verkligt v<span class=\"__10 _d_9\"/>\u00e4rde. Modellerna har vanligtvis utvecklats </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:435.6065px;\">intern<span class=\"__10 _d_9\"/>t och baseras p\u00e5 antaganden om beteenden hos de </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:422.0813px;\">underliggande tillg\u00e5ngarna och statis<span class=\"__10 _d_9\"/>tiska scenarioanalyser<span class=\"__10 _d_9\"/>. </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:408.55612px;\">De flesta O<span class=\"__10 _d_9\"/>TC<span class=\"__10 _479\"/>-derivat h\u00e4nf<span class=\"__10 _471\"/>\u00f6rs till niv\u00e5 2 i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:395.0309px;\">v\u00e4rde, vilket bety<span class=\"__10 _d_9\"/>der att alla v\u00e4sentliga inda<span class=\"__10 _471\"/>ta och modellpa-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:381.5057px;\">rametrar kan obs<span class=\"__10 _471\"/>erveras p\u00e5 aktiv<span class=\"__10 _d_9\"/>a marknader.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:333.50708px; bottom:367.9805px;\">V<span class=\"__10 _d_9\"/>\u00e4rderingen av riskkapitalf<span class=\"__10 _d_9\"/>onder och onoterade aktier \u00e4r </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:354.45532px;\">till sin karak<span class=\"__10 _d_9\"/>t\u00e4r mer os\u00e4ker \u00e4n v\u00e4rdering av mer ak<span class=\"__10 _d_9\"/>tivt hand-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:340.9301px;\">lade aktieins<span class=\"__10 _471\"/>trument. Nordea l\u00e4gger vikt vid ett k<span class=\"__10 _d_9\"/>onsekvent </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:327.4049px;\">tillv\u00e4gag\u00e5ngss\u00e4<span class=\"__10 _d_9\"/>tt b\u00e5de n\u00e4r det g\u00e4ller olika tillg\u00e5ngar och \u00f6ver </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:313.8797px;\">tiden. Metoderna som till\u00e4mpas f<span class=\"__10 _471\"/>\u00f6ljer anvisningarna i \u201dIn<span class=\"__10 _471\"/>ter-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:300.35452px;\">national Priva<span class=\"__10 _471\"/>te E<span class=\"__10 _471\"/>quity and V<span class=\"__10 _d_9\"/>enture Capital V<span class=\"__10 _479\"/>aluation Guideli-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:286.8293px;\">nes\u201d<span class=\"__10 _479\"/>, som utf\u00e4rdats a<span class=\"__10 _d_9\"/>v IPEV Board. Dessa anvisningar </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:273.3041px;\">anv\u00e4nds som b\u00e4s<span class=\"__10 _d_9\"/>ta praxis i riskkapitalbranschen. F<span class=\"__10 _d_9\"/>\u00f6r USA-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:259.7789px;\">baserade f<span class=\"__10 _d_9\"/>onder anv\u00e4nds liknande metoder<span class=\"__10 _d_9\"/>. </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:333.50708px; bottom:246.25372px;\">Nordea har ocks\u00e5 l\u00e5n och emitterade sk<span class=\"__10 _d_9\"/>uldebrev i dotterf\u00f6-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:232.72852px;\">retaget Nordea Kr<span class=\"__10 _471\"/>edit Realkreditak<span class=\"__10 _d_9\"/>tieselskab, v\u00e4rder<span class=\"__10 _d_9\"/>ade till </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:219.20331px;\">verkligt v\u00e4r<span class=\"__10 _471\"/>de. N\u00e4r Nordea beviljar bol\u00e5n till l\u00e5n<span class=\"__10 _471\"/>tagare i enlig-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:205.67812px;\">het med dansk lagstiftning om bostads\ufb01nansiering emitt<span class=\"__10 _471\"/>erar </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:192.15291px;\">Nordea samtidigt sk<span class=\"__10 _d_9\"/>uldebrev med matchande villkor<span class=\"__10 _479\"/>, s\u00e5 kall-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:178.62772px;\">lad \u201dmatchad \ufb01nansiering\u201d<span class=\"__10 _479\"/>. V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde f\u00f6r emitter<span class=\"__10 _471\"/>ade </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:165.10251px;\">skuldebrev bas<span class=\"__10 _471\"/>eras p\u00e5 not<span class=\"__10 _471\"/>erade priser<span class=\"__10 _479\"/>. Eftersom l\u00e5ntagarna </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:151.57732px;\">har r\u00e4tt a<span class=\"__10 _471\"/>tt k\u00f6pa skuldebr<span class=\"__10 _471\"/>ev som emitter<span class=\"__10 _471\"/>ats a<span class=\"__10 _d_9\"/>v Nordea p\u00e5 </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:138.05211px;\">marknaden och \u00e5terl\u00e4mna dessa som betalning f<span class=\"__10 _d_9\"/>\u00f6r sina l\u00e5n, </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:124.5269px;\">\u00e4r det verkliga v\u00e4r<span class=\"__10 _471\"/>det p\u00e5 l\u00e5nen samma som det verkliga v\u00e4r-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:111.00171px;\">det p\u00e5 de emitterade sk<span class=\"__10 _471\"/>uldebreven (till f<span class=\"__10 _d_9\"/>\u00f6ljd av att omv<span class=\"__10 _d_9\"/>\u00e4rde-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:97.47651px;\">ringen av \u00e5<span class=\"__10 _d_9\"/>terbetalningsoptionen \ufb01nns inb\u00e4ddad i l\u00e5net), jus-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:83.95131px;\">tera<span class=\"__10 _471\"/>t f\u00f6r f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i kreditrisken hos l\u00e5nt<span class=\"__10 _471\"/>agaren och det </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:70.42611px;\">verkliga v\u00e4r<span class=\"__10 _471\"/>det av kr<span class=\"__10 _471\"/>editmarginalen f<span class=\"__10 _d_9\"/>\u00f6r varje l\u00e5n.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hd_9 ff4_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:986.27924px;\">K3.<span class=\"__10 _471\"/>4  Verkligt v\u00e4rde, f<span class=\"__10 _471\"/>orts.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h1_10 ff1_10 fs0_10 fc0_10 sc0_10 ls0_10 ws0_10\" style=\"left:0.01052475px; bottom:2.1012287px;\">128<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h2_10 ff2_10 fs1_9 fc0_10 sc0_10 ls0_10 ws1_10\" style=\"left:44.122643px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h3_9 ff2_10 fs1_9 fc0_10 sc0_10 ls1_10 ws2_9\" style=\"left:48.323853px; bottom:1029.1447px;\">Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span></div><div class=\"t_10 m0_10 hd_9 ff4_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:986.27924px;\">K3.<span class=\"__10 _471\"/>4  Verkligt v\u00e4rde, f<span class=\"__10 _471\"/>orts.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:57.017998px; bottom:951.6515px;\">V<span class=\"__10 _d_9\"/>erkligt v\u00e4rde p\u00e5 \ufb01nansiella tillg\u00e5ngar och skulder ber\u00e4k<span class=\"__10 _d_9\"/>-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:938.12634px;\">nas vanligen som det teor<span class=\"__10 _471\"/>etiska nuv\u00e4rdet a<span class=\"__10 _d_9\"/>v de enskilda </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:924.60114px;\">instrument<span class=\"__10 _d_9\"/>en. Denna ber\u00e4kning kompletteras med just<span class=\"__10 _471\"/>eringar </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:911.0759px;\">p\u00e5 portf\u00f6ljniv\u00e5. </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:57.017998px; bottom:897.5507px;\">Vid v\u00e4rderingen a<span class=\"__10 _d_9\"/>v derivat till verkligt v\u00e4r<span class=\"__10 _d_9\"/>de g\u00f6r Nordea </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:884.0255px;\">justeringar i f<span class=\"__10 _d_9\"/>orm av s\u00e5 kallade credit val<span class=\"__10 _471\"/>ue adjustmen<span class=\"__10 _471\"/>ts </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws16_9\" style=\"left:44.122643px; bottom:870.5003px;\">(CV<span class=\"__10 _479\"/>A) och debit value adjustmen<span class=\"__10 _d_9\"/>ts (DV<span class=\"__10 _d_9\"/>A). CV<span class=\"__10 _d_9\"/>A och D<span class=\"__10 _471\"/>V<span class=\"__10 _479\"/>A speg<span class=\"ws0_10\">-<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:856.9751px;\">lar hur motpartens kreditrisk respek<span class=\"__10 _d_9\"/>tive Nordeas egen kredit-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:843.4499px;\">v\u00e4rdighet p\u00e5<span class=\"__10 _d_9\"/>verkar derivatets v<span class=\"__10 _d_9\"/>erkliga v\u00e4rde. Ber\u00e4kningarna </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:829.92474px;\">baseras p\u00e5 uppska<span class=\"__10 _471\"/>ttningar av e<span class=\"__10 _d_9\"/>xponering vid fallissemang, </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:816.39954px;\">sannolikhet f\u00f6r f<span class=\"__10 _d_9\"/>allissemang och \u00e5tervinningsgrad, f\u00f6r v<span class=\"__10 _d_9\"/>arje </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:802.8743px;\">enskild motpart. F\u00f6r CV<span class=\"__10 _d_9\"/>A och DV<span class=\"__10 _479\"/>A baser<span class=\"__10 _d_9\"/>as exponering vid fal-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:789.3491px;\">lissemang vanligen p\u00e5 f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>v\u00e4ntad e<span class=\"__10 _d_9\"/>xponering och fastst<span class=\"__10 _471\"/>\u00e4lls </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:775.8239px;\">genom simulering av underliggande riskf<span class=\"__10 _d_9\"/>aktorer<span class=\"__10 _479\"/>. I de fall det </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:762.2987px;\">\u00e4r m\u00f6jligt anv\u00e4nder sig Nor<span class=\"__10 _471\"/>dea av g\u00e4llande kr<span class=\"__10 _471\"/>editspread p\u00e5 </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:748.7735px;\">CDS-marknaden, och sannolikheten f\u00f6r f<span class=\"__10 _d_9\"/>allissemang h\u00e4rleds </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:735.2483px;\">fr\u00e5n dessa da<span class=\"__10 _d_9\"/>ta. F\u00f6r motparter som int<span class=\"__10 _471\"/>e har ett oms\u00e4ttnings-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:721.72314px;\">bart CDS-kontrak<span class=\"__10 _d_9\"/>t<span class=\"__10 _c_9\"/>, fasts<span class=\"__10 _d_9\"/>t\u00e4lls sannolikhet f\u00f6r fallissemang </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:708.19794px;\">med hj\u00e4lp av en tv<span class=\"__10 _d_9\"/>\u00e4r<span class=\"__10 _c_9\"/>snittsregressionsmodell som ber<span class=\"__10 _d_9\"/>\u00e4knar en </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:694.6727px;\">ungef\u00e4rlig CDS-spr<span class=\"__10 _471\"/>ead utifr\u00e5n mo<span class=\"__10 _471\"/>tpartens ratingregion och </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:681.1475px;\">bransch.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:57.017998px; bottom:667.6223px;\"><span class=\"__10 _469\">Eff</span><span class=\"__10 _471\"/>ekten a<span class=\"__10 _d_9\"/>v uppl\u00e5ningskostnader och uppl\u00e5ningskostnads-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:654.0971px;\">minskningar p\u00e5 v\u00e4rderingen a<span class=\"__10 _d_9\"/>v derivatinstrumen<span class=\"__10 _471\"/>t utan s\u00e4ker-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:640.5719px;\">het eller med obalanserad s\u00e4kerhet a<span class=\"__10 _d_9\"/>vspeglas delvis i det </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:627.0467px;\">ber\u00e4knade nuv\u00e4r<span class=\"__10 _471\"/>det med den diskont<span class=\"__10 _d_9\"/>eringskur<span class=\"__10 _c_9\"/>va som </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:613.52155px;\">anv\u00e4nds och del<span class=\"__10 _d_9\"/>vis i den separata verkligt v\u00e4r<span class=\"__10 _471\"/>de-justering f<span class=\"__10 _d_9\"/>\u00f6r </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:599.99634px;\">\ufb01nansieringskostnad (funding f<span class=\"__10 _d_9\"/>air value adjustmen<span class=\"__10 _471\"/>t, FFV<span class=\"__10 _d_9\"/>A) </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:586.4711px;\">som g\u00f6rs. I samband med v\u00e4rderingen till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde g\u00f6r </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:572.9459px;\">Nordea ocks\u00e5 justeringar f<span class=\"__10 _d_9\"/>\u00f6r prisskillnaden mellan k\u00f6p- och </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:559.4207px;\">s\u00e4ljpris, justeringar f<span class=\"__10 _d_9\"/>\u00f6r modellrisk (identi\ufb01erade brister i </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:545.8955px;\">modellerna) och justeringar f<span class=\"__10 _d_9\"/>\u00f6r den oberoende kontrollen a<span class=\"__10 _d_9\"/>v </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:532.3703px;\">priser<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:57.017998px; bottom:518.8451px;\">Nordeas v\u00e4r<span class=\"__10 _471\"/>deringsmodeller kalibreras mo<span class=\"__10 _d_9\"/>t marknaden </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:505.31995px;\">och om klimatrisk p\u00e5<span class=\"__10 _d_9\"/>verkar en viss marknad, s\u00e5 har detta </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:491.79474px;\">redan beakt<span class=\"__10 _471\"/>ats a<span class=\"__10 _d_9\"/>v andra marknadsakt\u00f6rer<span class=\"__10 _479\"/>. Nordea har d\u00e4r-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:478.26953px;\">med inte gjort n\u00e5gra f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i v\u00e4rderingsmodellerna f<span class=\"__10 _d_9\"/>\u00f6r </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:464.74432px;\">att ta h\u00e4nsyn till klimatrisk, och inga kritiska v<span class=\"__10 _471\"/>\u00e4rdejusteringar </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:451.21912px;\">har gjorts. Nordea kommer fram\u00f6<span class=\"__10 _d_9\"/>ver att f\u00f6lja utvecklingen </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:437.6939px;\">inom de delar av v<span class=\"__10 _d_9\"/>\u00e4rderingsomr\u00e5det d\u00e4r klimatrisk skulle </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:424.16873px;\">kunna ha en inv<span class=\"__10 _471\"/>erkan p\u00e5 modellerna (till ex<span class=\"__10 _d_9\"/>empel i fr\u00e5ga </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:410.64352px;\"><span class=\"__10 _469\">om CV</span><span class=\"__10 _d_9\"/>A).<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:377.61646px; bottom:951.8062px;\">I tabellen nedan har tillg\u00e5ngar och skulder som r<span class=\"__10 _471\"/>edovisas </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:938.281px;\">till verkligt v\u00e4r<span class=\"__10 _471\"/>de i balansr\u00e4kningen delats upp p\u00e5 de tr<span class=\"__10 _471\"/>e niv\u00e5-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:924.7558px;\">erna i IFRS-hierarkin f<span class=\"__10 _471\"/>\u00f6r verkligt v\u00e4r<span class=\"__10 _471\"/>de: instrumen<span class=\"__10 _471\"/>tets publi-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:911.2306px;\">cerade prisno<span class=\"__10 _471\"/>teringar p\u00e5 en aktiv marknad (niv<span class=\"__10 _d_9\"/>\u00e5 1), v\u00e4rde-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:897.70544px;\">ringsmetod baserad p\u00e5 observerbar<span class=\"__10 _d_9\"/>a marknadsdata (niv\u00e5 2) </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:884.18024px;\">och v\u00e4rderingsmetod bas<span class=\"__10 _471\"/>erad p\u00e5 icke observerbar<span class=\"__10 _471\"/>a mark-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:870.655px;\">nadsdata (niv<span class=\"__10 _471\"/>\u00e5 3). </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:377.61646px; bottom:857.1298px;\">Niv\u00e5 1<span class=\"__10 _471\"/>-kategorin om<span class=\"__10 _d_9\"/>fattar noter<span class=\"__10 _d_9\"/>ade derivat, noterade </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:843.6046px;\">aktier<span class=\"__10 _479\"/>, statsobligationer i utvecklade l\u00e4nder och de me<span class=\"__10 _471\"/>st lik<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:830.0794px;\">vida bostadsobliga<span class=\"__10 _471\"/>tionerna och f\u00f6r<span class=\"__10 _471\"/>etagsobligationerna som </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:816.5542px;\">har direkt<span class=\"__10 _471\"/>a prisnoteringar f<span class=\"__10 _d_9\"/>\u00f6r handel<span class=\"__10 _c_9\"/>. Niv\u00e5 2-kat<span class=\"__10 _d_9\"/>egorin omfat-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:803.029px;\">tar huvuddelen a<span class=\"__10 _471\"/>v Nordeas O<span class=\"__10 _d_9\"/>TC<span class=\"__10 _479\"/>-<span class=\"__10 _c_9\"/>derivat, k\u00f6pta/<span class=\"__10 _d_9\"/>s\u00e5lda v\u00e4rde-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:789.50385px;\">papper enligt \u00e5terf<span class=\"__10 _471\"/>\u00f6rs\u00e4ljnings-/<span class=\"__10 _d_9\"/>\u00e5terk\u00f6psa<span class=\"__10 _471\"/>vtal, l\u00e5nade/utl\u00e5-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:775.97864px;\">nade v\u00e4rdepapper och andr<span class=\"__10 _471\"/>a instrumen<span class=\"__10 _471\"/>t d\u00e4r indata i v\u00e4r<span class=\"__10 _d_9\"/>de-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:762.4534px;\">ringsmetoden eller v\u00e4rderingsmodell<span class=\"__10 _471\"/>en baseras p\u00e5 uppgifter </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:748.9282px;\">fr\u00e5n en ak<span class=\"__10 _d_9\"/>tiv marknad. Niv\u00e5 3-kategorin omf<span class=\"__10 _d_9\"/>attar inves<span class=\"__10 _471\"/>tering-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:735.403px;\">ar i onoter<span class=\"__10 _471\"/>ade v\u00e4rdepapper<span class=\"__10 _479\"/>, riskkapitalfonder<span class=\"__10 _d_9\"/>, hedgefonder<span class=\"__10 _479\"/>, </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:721.8778px;\">fas<span class=\"__10 _471\"/>tigheter<span class=\"__10 _d_9\"/>, mer komplexa O<span class=\"__10 _d_9\"/>T<span class=\"__10 _d_9\"/>C-deriva<span class=\"__10 _471\"/>t d\u00e4r icke observerbara </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:708.3526px;\">marknadsdata har en betydande in<span class=\"__10 _d_9\"/>verkan p\u00e5 det verkliga </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:694.8274px;\">v\u00e4rdet, vissa komple<span class=\"__10 _471\"/>xa eller struk<span class=\"__10 _471\"/>turerade \ufb01nansiella ins<span class=\"__10 _471\"/>tru-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:681.30225px;\">ment och illikvida r<span class=\"__10 _471\"/>\u00e4nteb\u00e4r<span class=\"__10 _d_9\"/>ande v\u00e4rdepapper<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 he_9 ff2_10 fs4_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:654.0113px;\">\u00d6verf\u00f6ringar mellan niv<span class=\"__10 _d_9\"/>\u00e5 1 och niv\u00e5 2<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 lsa_9 wse_9\" style=\"left:364.7211px; bottom:640.48224px;\">Nordea<span class=\"ws0_10\"> har under \u00e5ret \u00f6v<span class=\"__10 _d_9\"/>er<span class=\"__10 _c_9\"/>f\u00f6rt poster r<span class=\"__10 _d_9\"/>edovisade under \u201dR\u00e4n<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 lsa_9 ws0_10\" style=\"left:364.7211px; bottom:626.95703px;\">teb\u00e4rande v<span class=\"__10 _471\"/>\u00e4rdepapper<span class=\"__10 _c_9\"/>\u201d (inklusive \u201dP<span class=\"__10 _471\"/>antsa<span class=\"__10 _471\"/>tta \ufb01nansiella </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 lsa_9 ws0_10\" style=\"left:364.7211px; bottom:613.4318px;\">instrument\u201d) till ett v\u00e4rde a<span class=\"__10 _d_9\"/>v 4 030 mn euro (2 341 mn euro) </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 lsa_9 ws0_10\" style=\"left:364.7211px; bottom:599.9066px;\">fr\u00e5n niv<span class=\"__10 _471\"/>\u00e5 1 till niv\u00e5 2 och 1 570 mn eur<span class=\"__10 _471\"/>o (<span class=\"__10 _d_9\"/>4<span class=\"__10 _c_9\"/>39 mn euro) fr<span class=\"__10 _d_9\"/>\u00e5n </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 lsa_9 ws0_10\" style=\"left:364.7211px; bottom:586.3814px;\">niv\u00e5 2 till niv\u00e5 1 i v<span class=\"__10 _471\"/>erkligt v\u00e4rde-hier<span class=\"__10 _d_9\"/>arkin. Vidare har <span class=\"wse_9\">Nordea</span><span class=\"ls0_10\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 lsa_9 ws0_10\" style=\"left:364.7211px; bottom:572.8562px;\">\u00f6verf<span class=\"__10 _471\"/>\u00f6rt poster redovisade under \u201dEmitt<span class=\"__10 _471\"/>erade v\u00e4r<span class=\"__10 _d_9\"/>depapper<span class=\"__10 _1d_6\"/>\u201d </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 lsa_9 ws0_10\" style=\"left:364.7211px; bottom:559.331px;\">till ett v\u00e4rde a<span class=\"__10 _d_9\"/>v 2 989 mn euro (10 701 mn euro) fr<span class=\"__10 _471\"/>\u00e5n niv\u00e5 1 till </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 lsa_9 ws0_10\" style=\"left:364.7211px; bottom:545.80585px;\">niv\u00e5 2 och 3 731 mn euro (<span class=\"__10 _471\"/>4 954 mn euro) f<span class=\"__10 _471\"/>r\u00e5n niv\u00e5 2 till niv<span class=\"__10 _d_9\"/>\u00e5 1,<span class=\"__10 _c_9\"/> </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 lsa_9 ws0_10\" style=\"left:364.7211px; bottom:532.28064px;\">samt \u201d\u00d6vriga skul<span class=\"__10 _471\"/>der<span class=\"__10 _c_9\"/>\u201d till ett v\u00e4rde a<span class=\"__10 _471\"/>v 43 mn euro (256 mn </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 lsa_9 ws0_10\" style=\"left:364.7211px; bottom:518.75543px;\">euro) f<span class=\"__10 _471\"/>r\u00e5n niv\u00e5 1 till niv<span class=\"__10 _d_9\"/>\u00e5 2 och 2<span class=\"__10 _c_9\"/>35 mn euro (269 mn euro) f<span class=\"__10 _d_9\"/>r\u00e5n </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 lsa_9 ws0_10\" style=\"left:364.7211px; bottom:505.23022px;\">niv\u00e5 2 till niv\u00e5 1. \u00d6v<span class=\"__10 _471\"/>erf\u00f6ringarna fr<span class=\"__10 _d_9\"/>\u00e5n niv\u00e5 1 till niv\u00e5 2 gjordes </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 lsa_9 ws0_10\" style=\"left:364.7211px; bottom:491.70502px;\">eftersom instrumen<span class=\"__10 _471\"/>ten upph\u00f6rde a<span class=\"__10 _471\"/>tt handlas aktivt under </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 lsa_9 ws0_10\" style=\"left:364.7211px; bottom:478.1798px;\">\u00e5ret, vilket innebar att verkligt v<span class=\"__10 _471\"/>\u00e4rde ber\u00e4knades med v<span class=\"__10 _d_9\"/>\u00e4rde<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 lsa_9 ws0_10\" style=\"left:364.7211px; bottom:464.65463px;\">ringsmetoder baserade p\u00e5 observerbar<span class=\"__10 _d_9\"/>a marknadsdata. \u00d6ver<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 lsa_9 ws0_10\" style=\"left:364.7211px; bottom:451.12943px;\">f\u00f6ringarna f<span class=\"__10 _471\"/>r\u00e5n niv\u00e5 2 till niv<span class=\"__10 _d_9\"/>\u00e5 1 gjordes eftersom instrumenten </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 lsa_9 ws0_10\" style=\"left:364.7211px; bottom:437.60422px;\">\u00e5terigen handlades ak<span class=\"__10 _d_9\"/>tivt under \u00e5ret<span class=\"__10 _c_9\"/>, vilket innebar att tillf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 lsa_9 ws0_10\" style=\"left:364.7211px; bottom:424.079px;\">litliga prisnoteringar f<span class=\"__10 _d_9\"/>anns tillg\u00e4ngliga p\u00e5 marknaden. \u00d6verf\u00f6<span class=\"ls0_10\">-<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 lsa_9 ws0_10\" style=\"left:364.7211px; bottom:410.55383px;\">ringar fr\u00e5n en niv<span class=\"__10 _471\"/>\u00e5 till en annan anses ha skett vid \u00e5rets sl<span class=\"__10 _471\"/>ut.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h1_10 ff1_10 fs0_10 fc0_10 sc0_10 ls0_10 ws0_10\" style=\"left:656.3909px; bottom:2.1012287px;\">129<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h2_10 ff2_10 fs1_9 fc0_10 sc0_10 ls0_10 ws1_10\" style=\"left:497.5244px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h3_9 ff2_10 fs1_9 fc0_10 sc0_10 ls1_10 ws2_9\" style=\"left:4.2144775px; bottom:1029.1447px;\">Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span></div><div class=\"t_10 m0_10 hd_9 ff4_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:986.27924px;\">K3.<span class=\"__10 _471\"/>4  Verkligt v\u00e4rde, f<span class=\"__10 _471\"/>orts.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h8_9 ff1_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:477.2026px;\">Tillg\u00e5ngar och skulder redovisade till v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde i balansr\u00e4kningen<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:463.6774px;\">F\u00f6r<span class=\"__10 _471\"/>delning i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4rde<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:408.13947px;\">31 dec 2021, mn euro<span class=\"__10 _469\"> </span></div><div class=\"t_10 m4_2 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:220.0167px; bottom:447.13947px;\">Instrument med </div><div class=\"t_10 m4_2 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:235.23721px; bottom:437.38947px;\">publicerade </div><div class=\"t_10 m4_2 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:225.09723px; bottom:427.63947px;\">prisnoteringar <span class=\"__10 _2b_4\"/> </div><div class=\"t_10 m4_2 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:238.64178px; bottom:417.88947px;\">p\u00e5 en aktiv <span class=\"__10 _2b_4\"/> </div><div class=\"t_10 m4_2 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:216.67322px; bottom:408.13947px;\">marknad (niv\u00e5 1)<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:301.5367px; bottom:427.63947px;\">V<span class=\"__10 _d_9\"/>arav <span class=\"__10 _2b_4\"/> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:301.5367px; bottom:417.88947px;\">Life &amp; </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:293.5027px; bottom:408.13947px;\">Pension<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:339.1795px; bottom:447.13947px;\">V\u00e4r<span class=\"__10 _471\"/>deringsmetod </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:362.9305px; bottom:437.38947px;\">baserad p\u00e5 </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:354.1555px; bottom:427.63947px;\">observerbara </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:350.3881px; bottom:417.88947px;\">marknadsdata </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:375.9487px; bottom:408.13947px;\">(niv\u00e5 2)<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:426.8281px; bottom:427.63947px;\">V<span class=\"__10 _d_9\"/>arav </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:426.8281px; bottom:417.88947px;\">Life &amp; </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:419.5966px; bottom:408.13947px;\">Pension<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:462.2874px; bottom:447.13947px;\">V\u00e4r<span class=\"__10 _471\"/>deringsmetod </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:468.5893px; bottom:437.38947px;\">baserad p\u00e5 icke </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:477.38678px; bottom:427.63947px;\">observerbara </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:472.20654px; bottom:417.88947px;\">marknadsdata </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:497.5244px; bottom:408.13947px;\">(niv\u00e5 3)<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:550.1551px; bottom:427.63947px;\">V<span class=\"__10 _d_9\"/>arav </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:550.1551px; bottom:417.88947px;\">Life &amp; </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:542.15784px; bottom:408.13947px;\">Pension<span class=\"__10 _6b_2\"> </span>Summa<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:387.31137px;\">Tillg\u00e5ngar till verkligt v\u00e4rde i balansr<span class=\"__10 _d_9\"/><span class=\"__10 _469\">\u00e4kningen1<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:370.90408px;\">Utl\u00e5ning till centr<span class=\"__10 _471\"/>albanker<span class=\"__10 _8f_2\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _560\"> </span>404<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _4c_2\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _545\"> </span>404<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:355.2339px;\">Utl\u00e5ning till kreditinstitut<span class=\"__10 _561\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _562\"> </span>192<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _4c_2\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _496\"> </span>192<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:339.5637px;\">Utl\u00e5ning till allm\u00e4nheten<span class=\"__10 _563\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _564\"> </span><span class=\"ls4_9 ws7_9\">75 176<span class=\"__10 _537\"> </span></span>\u2013<span class=\"__10 _4c_2\"> </span>\u2013<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _2a_4\"> </span><span class=\"ls4_9 ws7_9\">75 176<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:323.8935px;\">R\u00e4nteb\u00e4r<span class=\"__10 _471\"/><span class=\"__10 _469\">ande v\u00e4rdepapper2 </span><span class=\"__10 _566\"> </span>20 7<span class=\"__10 _d_9\"/>46<span class=\"__10 _4a_2\"> </span><span class=\"ls4_9 ws7_9\">1<span class=\"__10 _c_9\"/> 143<span class=\"__10 _567\"> </span></span>40 154<span class=\"__10 _510\"> </span>2 894<span class=\"__10 _551\"> </span>703<span class=\"__10 _496\"> </span><span class=\"ls10_8 ws17_8\">97<span class=\"__10 _568\"> </span></span>61 603<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:308.22327px;\">Aktier och andelar<span class=\"__10 _569\"> </span>12 456<span class=\"__10 _476\"> </span>10 543<span class=\"__10 _562\"> </span><span class=\"ls4_9 ws7_9\">515<span class=\"__10 _483\"> </span></span>353<span class=\"__10 _564\"> </span>2 2<span class=\"__10 _d_9\"/>46<span class=\"__10 _2a_4\"> </span>1 001<span class=\"__10 _5c_2\"> </span>15 217<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:292.55307px;\">Tillg\u00e5ngar i placeringsportf\u00f6ljer och </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:281.50568px;\">fondf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s\u00e4kringsavtal<span class=\"__10 _495\"> </span>45 7<span class=\"__10 _d_9\"/>4<span class=\"__10 _c_9\"/>3<span class=\"__10 _476\"> </span>41 479<span class=\"__10 _9a_2\"> </span>411<span class=\"__10 _520\"> </span>411<span class=\"__10 _554\"> </span>156<span class=\"__10 _9b_2\"> </span>156<span class=\"__10 _568\"> </span>46 310<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:265.83548px;\">Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _9c_3\"> </span>86<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _9d_2\"> </span>28 930<span class=\"__10 _565\"> </span>7<span class=\"__10 _9e_2\"> </span>1 184<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _9f_2\"> </span>30 200<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:250.16528px;\">\u00d6vriga tillg\u00e5ngar<span class=\"__10 _a0_2\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _550\"> </span>7 236<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _a1_2\"> </span>29<span class=\"__10 _a2_2\"> </span>28<span class=\"__10 _5a_2\"> </span>7 265<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:233.75797px;\">Summa<span class=\"__10 _a3_2\"> </span> 79 031 <span class=\"__10 _a4_2\"> </span> 53 165 <span class=\"__10 _485\"> </span> 153 018 <span class=\"__10 _a5_3\"> </span> 3 665 <span class=\"__10 _a6_3\"> </span> 4 318 <span class=\"__10 _6c_2\"> </span> 1 282 <span class=\"__10 _a4_2\"> </span> 236 367 </div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:212.92809px;\">Skulder till verkligt v\u00e4r<span class=\"__10 _471\"/><span class=\"__10 _469\">de i balansr\u00e4kningen1<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:196.52078px;\">Skulder till kreditinstitut<span class=\"__10 _a7_3\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _504\"> </span>3 315<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _4c_2\"> </span>\u2013<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _515\"> </span>3 315<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:180.85059px;\">In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__10 _a8_3\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _a9_3\"> </span>2 639<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _4c_2\"> </span>\u2013<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _538\"> </span>2 639<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:165.18037px;\">Inl\u00e5ning i placeringsportf\u00f6ljer och </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:154.13298px;\">fondf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s\u00e4kringsavtal<span class=\"__10 _aa_2\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _567\"> </span>48 201<span class=\"__10 _ab_2\"> </span>43 344<span class=\"__10 _4c_2\"> </span>\u2013<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _ac_2\"> </span>48 201<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:138.46278px;\">Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper<span class=\"__10 _ad_2\"> </span>38 760<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _7a_2\"> </span>17 659<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _564\"> </span>1 588<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _9f_2\"> </span>58 007<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:122.79257px;\">Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _ae_3\"> </span><span class=\"ls4_9 ws7_9\">176<span class=\"__10 _537\"> </span></span>\u2013<span class=\"__10 _af_3\"> </span>30 292<span class=\"__10 _518\"> </span>27<span class=\"__10 _8a_2\"> </span>1 017<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _568\"> </span>31 485<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:107.122375px;\">\u00d6vriga skulder<span class=\"__10 _b0_2\"> </span>4 016<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _3a_5\"> </span>7 811<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _562\"> </span>46<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _491\"> </span>11 873<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:90.71508px;\">Summa<span class=\"__10 _b1_2\"> </span> 42 952 <span class=\"__10 _b2_3\"> </span><span class=\"ff2_10\"> \u2013<span class=\"__10 _b3_2\"> </span></span> 109 917 <span class=\"__10 _a4_2\"> </span> 43 371 <span class=\"__10 _513\"> </span> 2 651 <span class=\"__10 _494\"> </span><span class=\"ff2_10\">\u2013 <span class=\"__10 _b4_2\"> </span></span> 155 520 </div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:72.5455px;\">1)  Samtliga poster v\u00e4r<span class=\"__10 _471\"/>deras till verkligt v\u00e4r<span class=\"__10 _471\"/>de vid slutet av v<span class=\"__10 _d_9\"/>arje rapportperiod.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws18_8\" style=\"left:4.2144775px; bottom:60.941437px;\">2) V<span class=\"__10 _d_9\"/>arav <span class=\"__10 _2b_4\"/><span class=\"ws0_10\"><span class=\"__10 _469\">1 668 mn euro avser balanspost</span><span class=\"__10 _471\"/>en \u201dPan<span class=\"__10 _471\"/>tsatta \ufb01nansiella instrument\u201d<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h8_9 ff1_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:951.6515px;\">Tillg\u00e5ngar och skulder redovisade till v<span class=\"__10 _d_9\"/>erkligt v\u00e4rde i balansr\u00e4kningen </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:938.65674px;\">F\u00f6r<span class=\"__10 _471\"/>delning i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4rde<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:883.1175px;\">31 dec 2022, mn euro<span class=\"__10 _469\"> </span></div><div class=\"t_10 m4_2 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:220.0167px; bottom:922.1175px;\">Instrument med </div><div class=\"t_10 m4_2 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:235.23721px; bottom:912.3675px;\">publicerade </div><div class=\"t_10 m4_2 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:225.09723px; bottom:902.6175px;\">prisnoteringar <span class=\"__10 _2b_4\"/> </div><div class=\"t_10 m4_2 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:238.64178px; bottom:892.8675px;\">p\u00e5 en aktiv <span class=\"__10 _2b_4\"/> </div><div class=\"t_10 m4_2 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:216.67322px; bottom:883.1175px;\">marknad (niv\u00e5 1)<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:301.5367px; bottom:902.6175px;\">V<span class=\"__10 _d_9\"/>arav <span class=\"__10 _2b_4\"/> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:301.5367px; bottom:892.8675px;\">Life &amp; </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:293.5027px; bottom:883.1175px;\">Pension<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:339.1795px; bottom:922.1175px;\">V\u00e4r<span class=\"__10 _471\"/>deringsmetod </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:362.9305px; bottom:912.3675px;\">baserad p\u00e5 </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:354.1555px; bottom:902.6175px;\">observerbara </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:350.3881px; bottom:892.8675px;\">marknadsdata </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:375.9487px; bottom:883.1175px;\">(niv\u00e5 2)<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:426.8281px; bottom:902.6175px;\">V<span class=\"__10 _d_9\"/>arav </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:426.8281px; bottom:892.8675px;\">Life &amp; </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:419.5966px; bottom:883.1175px;\">Pension<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:462.2874px; bottom:922.1175px;\">V\u00e4r<span class=\"__10 _471\"/>deringsmetod </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:468.5893px; bottom:912.3675px;\">baserad p\u00e5 icke </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:477.38678px; bottom:902.6175px;\">observerbara </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:472.20654px; bottom:892.8675px;\">marknadsdata </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:497.5244px; bottom:883.1175px;\">(niv\u00e5 3)<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:550.1551px; bottom:902.6175px;\">V<span class=\"__10 _d_9\"/>arav </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:550.1551px; bottom:892.8675px;\">Life &amp; </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:542.15784px; bottom:883.1175px;\">Pension<span class=\"__10 _6b_2\"> </span>Summa<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:862.28925px;\">Tillg\u00e5ngar till verkligt v\u00e4rde i balansr<span class=\"__10 _d_9\"/><span class=\"__10 _469\">\u00e4kningen1<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:845.88196px;\">Utl\u00e5ning till centr<span class=\"__10 _471\"/>albanker<span class=\"__10 _8f_2\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _b5_3\"> </span>879<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _b6_3\"> </span>\u2013<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _518\"> </span>879<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:830.21173px;\">Utl\u00e5ning till kreditinstitut<span class=\"__10 _561\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _3a_5\"> </span><span class=\"lsd_8 ws13_9\">1<span class=\"__10 _c_9\"/> 74<span class=\"__10 _1d_6\"/>2<span class=\"__10 _565\"> </span></span>\u2013<span class=\"__10 _b6_3\"> </span>\u2013<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _487\"> </span><span class=\"lsd_8 ws13_9\">1<span class=\"__10 _c_9\"/> 74<span class=\"__10 _1d_6\"/>2<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:814.54156px;\">Utl\u00e5ning till allm\u00e4nheten<span class=\"__10 _563\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _567\"> </span>70 627<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _b6_3\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _568\"> </span>70 627<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:798.87134px;\">R\u00e4nteb\u00e4r<span class=\"__10 _471\"/><span class=\"__10 _469\">ande v\u00e4rdepapper2 </span><span class=\"__10 _b7_3\"> </span>25 961<span class=\"__10 _9f_2\"> </span>3 4<span class=\"__10 _c_9\"/>22<span class=\"__10 _b8_2\"> </span>38 368<span class=\"__10 _9f_2\"> </span>5 432<span class=\"__10 _b9_3\"> </span>437<span class=\"__10 _496\"> </span>47<span class=\"__10 _9f_2\"> </span>64 766<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:783.2012px;\">Aktier och andelar<span class=\"__10 _ba_3\"> </span>15 171<span class=\"__10 _476\"> </span>12 405<span class=\"__10 _bb_3\"> </span>406<span class=\"__10 _515\"> </span>264<span class=\"__10 _503\"> </span>2 347<span class=\"__10 _4a_2\"> </span>1 028<span class=\"__10 _4a_2\"> </span>17 924<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:767.53094px;\">Tillg\u00e5ngar i placeringsportf\u00f6ljer och </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:756.4836px;\">fondf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s\u00e4kringsavtal<span class=\"__10 _8f_2\"> </span>39 994<span class=\"__10 _476\"> </span>36 167<span class=\"__10 _b5_3\"> </span>599<span class=\"__10 _514\"> </span>599<span class=\"__10 _b9_3\"> </span>362<span class=\"__10 _bc_2\"> </span>362<span class=\"__10 _9f_2\"> </span>40 955<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:740.81335px;\">Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _bd_3\"> </span>159<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _9d_2\"> </span>34 550<span class=\"__10 _be_3\"> </span><span class=\"ls4_9 ws7_9\">117<span class=\"__10 _564\"> </span></span>1 869<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _568\"> </span>36 578<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:725.1432px;\">\u00d6vriga tillg\u00e5ngar<span class=\"__10 _a0_2\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _550\"> </span>6 327<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _a1_2\"> </span>33<span class=\"__10 _496\"> </span><span class=\"ls11_8 ws19_8\">25<span class=\"__10 _bf_3\"> </span></span>6 360<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:709.47296px;\">Summa<span class=\"__10 _a3_2\"> </span> 81 285 <span class=\"__10 _501\"> </span> 51 994 <span class=\"__10 _c0_3\"> </span> 153 498 <span class=\"__10 _476\"> </span> 6 412 <span class=\"__10 _519\"> </span> 5 048 <span class=\"__10 _522\"> </span> 1 462 <span class=\"__10 _a4_2\"> </span> 2<span class=\"__10 _c_9\"/>39 831 </div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:689.3802px;\">Skulder till verkligt v\u00e4r<span class=\"__10 _471\"/><span class=\"__10 _469\">de i balansr\u00e4kningen1<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:672.97284px;\">Skulder till kreditinstitut<span class=\"__10 _a7_3\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _af_3\"> </span>10 446<span class=\"__10 _545\"> </span>44<span class=\"__10 _b6_3\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _9f_2\"> </span>10 446<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:657.3027px;\">In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__10 _a8_3\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _8a_2\"> </span>6 650<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _b6_3\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _bf_3\"> </span>6 650<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:641.63245px;\">Inl\u00e5ning i placeringsportf\u00f6ljer och </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:630.5851px;\">fondf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s\u00e4kringsavtal<span class=\"__10 _aa_2\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _567\"> </span><span class=\"ls4_9 ws7_9\">4<span class=\"__10 _c_9\"/>2 7<span class=\"__10 _c_9\"/>76<span class=\"__10 _c1_2\"> </span></span>38 606<span class=\"__10 _b6_3\"> </span>\u2013<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _568\"> </span><span class=\"ls4_9 ws7_9\">4<span class=\"__10 _c_9\"/>2 7<span class=\"__10 _c_9\"/>76<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:614.91486px;\">Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper<span class=\"__10 _c2_3\"> </span>38 899<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _564\"> </span>11 328<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _564\"> </span>1 088<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _491\"> </span>51 315<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:599.2446px;\">Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _c3_2\"> </span>659<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _c4_2\"> </span>37 623<span class=\"__10 _520\"> </span><span class=\"ls4_9 ws7_9\">14<span class=\"__10 _c_9\"/>1<span class=\"__10 _503\"> </span></span>1 820<span class=\"__10 _565\"> </span>\u2013<span class=\"__10 _ac_2\"> </span>40 102<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:583.57446px;\">\u00d6vriga skulder<span class=\"__10 _b0_2\"> </span>3 307<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _a9_3\"> </span>6 832<span class=\"__10 _518\"> </span>81<span class=\"__10 _9a_2\"> </span>63<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _568\"> </span>10 202<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:567.90424px;\">Summa<span class=\"__10 _c5_3\"> </span> 42 865 <span class=\"__10 _b2_3\"> </span><span class=\"ff2_10\"> \u2013 <span class=\"__10 _485\"> </span></span> 115 655 <span class=\"__10 _501\"> </span> 38 87<span class=\"__10 _c_9\"/>2 <span class=\"__10 _c6_2\"> </span> 2 971 <span class=\"__10 _a2_2\"> </span><span class=\"ff2_10\"> \u2013 <span class=\"__10 _c7_2\"> </span></span> 161 491 </div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:550.4715px;\">1)  Samtliga poster v\u00e4r<span class=\"__10 _471\"/>deras till verkligt v\u00e4r<span class=\"__10 _471\"/>de vid slutet av v<span class=\"__10 _d_9\"/>arje rapportperiod.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws18_8\" style=\"left:4.2144775px; bottom:538.86743px;\">2) V<span class=\"__10 _d_9\"/>arav <span class=\"__10 _2b_4\"/><span class=\"ws0_10\"><span class=\"__10 _469\">4 902 mn euro avser balanspost</span><span class=\"__10 _471\"/>en \u201dPan<span class=\"__10 _471\"/>tsatta \ufb01nansiella instrument\u201d<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h1_10 ff1_10 fs0_10 fc0_10 sc0_10 ls0_10 ws0_10\" style=\"left:0.01052475px; bottom:2.1012287px;\">130<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h2_10 ff2_10 fs1_9 fc0_10 sc0_10 ls0_10 ws1_10\" style=\"left:44.122643px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h3_9 ff2_10 fs1_9 fc0_10 sc0_10 ls1_10 ws2_9\" style=\"left:48.323853px; bottom:1029.1447px;\">Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span></div><div class=\"t_10 m0_10 hd_9 ff4_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:986.27924px;\">K3.<span class=\"__10 _471\"/>4  Verkligt v\u00e4rde, f<span class=\"__10 _471\"/>orts.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:752.33044px;\">2022, mn euro<span class=\"__10 _469\"> </span></div><div class=\"t_10 m1_5 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:197.27591px; bottom:826.99854px;\">Vinster och f\u00f6rl<span class=\"__10 _471\"/>uster </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:206.16245px; bottom:817.24854px;\">som redovisats  </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:198.91624px; bottom:807.49854px;\">i resulta<span class=\"__10 _471\"/>tr\u00e4kningen </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:214.52405px; bottom:797.74854px;\">under \u00e5ret<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:295.4302px; bottom:791.32916px;\">Redo- </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:299.30225px; bottom:781.57916px;\">visat <span class=\"__10 _2b_4\"/> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:291.49118px; bottom:771.82916px;\">i \u00f6vrigt </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 lsc_9 ws11_9\" style=\"left:296.64246px; bottom:762.07916px;\">total-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:288.39786px; bottom:752.32916px;\">resulta<span class=\"__10 _471\"/>t<span class=\"__10 _469\"> </span></div><div class=\"t_10 m1_5 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:478.15298px; bottom:771.83044px;\">\u00d6ver- </div><div class=\"t_10 m1_5 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:468.57498px; bottom:762.08044px;\">f\u00f6ringar <span class=\"__10 _2b_4\"/> </div><div class=\"t_10 m1_5 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:465.12192px; bottom:752.33044px;\">till niv\u00e5 3<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:519.02826px; bottom:781.58044px;\">\u00d6ver- </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:509.72284px; bottom:771.83044px;\">f\u00f6ringar <span class=\"__10 _2b_4\"/> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:524.5662px; bottom:762.08044px;\">fr\u00e5n <span class=\"__10 _2b_4\"/> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:519.02826px; bottom:752.33044px;\">niv\u00e5 3<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:174.78305px; bottom:762.08044px;\">1 jan </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:174.78305px; bottom:752.33044px;\">2022<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls12_8 ws1a_8\" style=\"left:214.52405px; bottom:762.08044px;\">Rea-<span class=\"ls0_10 ws0_10\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:202.69925px; bottom:752.33044px;\">liserade </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:251.90164px; bottom:762.08044px;\">Orea- </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:243.23584px; bottom:752.33044px;\">liserade </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:348.32526px; bottom:762.08044px;\">K\u00f6p/<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:326.34485px; bottom:752.33044px;\">emissioner<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:381.07745px; bottom:762.08044px;\">F\u00f6rs\u00e4lj- </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:384.98642px; bottom:752.33044px;\">ningar<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:426.94925px; bottom:771.83044px;\">A<span class=\"__10 _d_9\"/>vr\u00e4k-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:424.18805px; bottom:762.08044px;\">ningar<span class=\"__10 _d_9\"/>/ <span class=\"__10 _e_9\"/> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:422.42447px; bottom:752.33044px;\">likvider<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:568.03564px; bottom:771.83044px;\">Om- </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws12_9\" style=\"left:556.04236px; bottom:762.08044px;\">klassi\ufb01 -<span class=\"ws0_10\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:557.3542px; bottom:752.33044px;\">cering<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hf_9 ff1_10 fs8_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:580.93317px; bottom:754.28046px;\">1<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:615.9435px; bottom:781.58044px;\">Om- </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:596.77893px; bottom:771.83044px;\">r\u00e4knings-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:612.3009px; bottom:762.08044px;\"><span class=\"__10 _469\">diffe- </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:608.2839px; bottom:752.33044px;\">renser<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:645.8487px; bottom:762.08044px;\">31 dec </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:651.6441px; bottom:752.33044px;\">2022<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:735.1874px;\">R\u00e4nteb\u00e4r<span class=\"__10 _471\"/>ande </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:724.13995px;\">v\u00e4rdepapper<span class=\"__10 _c8_3\"> </span>703<span class=\"__10 _496\"> </span>2<span class=\"__10 _538\"> </span>-53<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _494\"> </span>121<span class=\"__10 _2a_4\"> </span><span class=\"ls3_9 ws6_9\">-236<span class=\"__10 _487\"> </span></span>-39<span class=\"__10 _a2_2\"> </span><span class=\"lse_8 ws14_9\">48<span class=\"__10 _491\"> </span></span>-103<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _565\"> </span>-6<span class=\"__10 _9f_2\"> </span>437<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:706.99554px;\">- vara<span class=\"__10 _d_9\"/>v Life &amp; Pension<span class=\"__10 _1c_6\"> </span><span class=\"ls10_8 ws17_8\">97<span class=\"__10 _498\"> </span></span>1<span class=\"__10 _548\"> </span><span class=\"ls4_9 ws7_9\">-1<span class=\"__10 _537\"> </span></span>\u2013<span class=\"__10 _8c_2\"> </span>22<span class=\"__10 _515\"> </span>-54<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _512\"> </span>5<span class=\"__10 _483\"> </span><span class=\"ls4_9 ws7_9\">-18<span class=\"__10 _3e_4\"> </span></span>\u2013<span class=\"__10 _4e_2\"> </span>-5<span class=\"__10 _bf_3\"> </span>47<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:689.85114px;\">Aktier och andelar<span class=\"__10 _552\"> </span>2 246<span class=\"__10 _483\"> </span>89<span class=\"__10 _483\"> </span>40<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _b2_3\"> </span>449<span class=\"__10 _2a_4\"> </span>-379<span class=\"__10 _483\"> </span><span class=\"ls4_9 ws7_9\">-18<span class=\"__10 _8c_2\"> </span></span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _be_3\"> </span><span class=\"ls4_9 ws7_9\">-15<span class=\"__10 _b2_3\"> </span></span>-65<span class=\"__10 _c9_3\"> </span>2 347<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:672.7067px;\">- vara<span class=\"__10 _d_9\"/>v Life &amp; Pension<span class=\"__10 _545\"> </span>1 001<span class=\"__10 _ca_2\"> </span>71<span class=\"__10 _5a_2\"> </span><span class=\"ls3_9 ws6_9\">-27<span class=\"__10 _cb_2\"> </span></span>\u2013<span class=\"__10 _508\"> </span>152<span class=\"__10 _2a_4\"> </span>-104<span class=\"__10 _483\"> </span><span class=\"ls4_9 ws7_9\">-18<span class=\"__10 _8c_2\"> </span></span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _518\"> </span>-47<span class=\"__10 _c9_3\"> </span>1 028<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:655.5624px;\">Tillg\u00e5ngar i </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:644.51495px;\">placeringsportf\u00f6ljer  </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:633.4675px;\">och fondf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s\u00e4kringsavtal<span class=\"__10 _bf_3\"> </span>156<span class=\"__10 _547\"> </span><span class=\"ls4_9 ws7_9\">-1<span class=\"__10 _520\"> </span></span>33<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _a2_2\"> </span>235<span class=\"__10 _514\"> </span>-66<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _494\"> </span>15<span class=\"__10 _b2_3\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _537\"> </span></span>\u2013<span class=\"__10 _cb_2\"> </span>-8<span class=\"__10 _9f_2\"> </span>362<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:616.3231px;\">- vara<span class=\"__10 _d_9\"/>v Life &amp; Pension<span class=\"__10 _8c_2\"> </span>156<span class=\"__10 _548\"> </span><span class=\"ls4_9 ws7_9\">-1<span class=\"__10 _520\"> </span></span>33<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _a2_2\"> </span>235<span class=\"__10 _514\"> </span>-66<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _498\"> </span>15<span class=\"__10 _518\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _537\"> </span></span>\u2013<span class=\"__10 _565\"> </span>-8<span class=\"__10 _9f_2\"> </span>362<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:599.1788px;\">Derivatinstrumen<span class=\"__10 _d_9\"/>t (netto)<span class=\"__10 _4a_2\"> </span>167<span class=\"__10 _2a_4\"> </span>-<span class=\"__10 _d_9\"/>101<span class=\"__10 _4a_2\"> </span>-213<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _3f_4\"> </span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _514\"> </span>120<span class=\"__10 _a2_2\"> </span>60<span class=\"__10 _548\"> </span>16<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _cc_3\"> </span>49<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:582.03436px;\">\u00d6vriga tillg\u00e5ngar<span class=\"__10 _b9_3\"> </span>29<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _548\"> </span><span class=\"ls4_9 ws7_9\">-1<span class=\"__10 _537\"> </span></span>\u2013<span class=\"__10 _1c_6\"> </span>8<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _b2_3\"> </span>-3<span class=\"__10 _8c_2\"> </span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _bf_3\"> </span>33<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:564.88995px;\">- vara<span class=\"__10 _d_9\"/>v Life &amp; Pension<span class=\"__10 _1c_6\"> </span>28<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _1c_6\"> </span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _545\"> </span>-3<span class=\"__10 _536\"> </span>\u2013<span class=\"__10 _508\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _538\"> </span><span class=\"ls11_8 ws19_8\">25<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:547.74554px;\">Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper<span class=\"__10 _3c_4\"> </span>1 588<span class=\"__10 _bc_2\"> </span>53<span class=\"__10 _ac_2\"> </span><span class=\"ls3_9 ws6_9\">-25<span class=\"__10 _c_9\"/>6<span class=\"__10 _496\"> </span></span>-6<span class=\"__10 _b2_3\"> </span>348<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _4a_2\"> </span>-594<span class=\"__10 _498\"> </span>13<span class=\"__10 _515\"> </span>-58<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _c7_2\"> </span>1 088<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:529.12695px;\">\u00d6vriga skulder<span class=\"__10 _b6_3\"> </span>46<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _514\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _c_9\"/>1<span class=\"__10 _537\"> </span></span>\u2013<span class=\"__10 _565\"> </span>58<span class=\"__10 _487\"> </span><span class=\"ls3_9 ws6_9\">-20<span class=\"__10 _498\"> </span></span>\u2013<span class=\"__10 _536\"> </span>\u2013<span class=\"__10 _508\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _bf_3\"> </span>63<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:508.00012px;\">1)  Omklassi\ufb01cering avseende kon<span class=\"__10 _471\"/>vertering av Visa C<span class=\"__10 _d_9\"/>-aktier till Visa A<span class=\"__10 _d_9\"/>-aktier<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 he_9 ff2_10 fs4_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:951.164px;\">F\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndringar i niv\u00e5 3<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:937.63495px;\">Orealiserade vins<span class=\"__10 _d_9\"/>ter och f\u00f6rluster a<span class=\"__10 _d_9\"/>vser de tillg\u00e5ngar och </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:924.10974px;\">skulder som innehades vid utg\u00e5ngen a<span class=\"__10 _d_9\"/>v \u00e5ret. \u00d6verf\u00f6ringarna </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:910.58453px;\">fr\u00e5n niv<span class=\"__10 _471\"/>\u00e5 3 under \u00e5ret gjordes eft<span class=\"__10 _471\"/>ersom observerbara mark<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:897.0593px;\">nadsdata blev tillg\u00e4ngliga. \u00d6v<span class=\"__10 _d_9\"/>er<span class=\"__10 _c_9\"/>f\u00f6ringarna till niv<span class=\"__10 _471\"/>\u00e5 3 under </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:883.5341px;\">2022 gjordes eftersom observerbara marknads<span class=\"__10 _471\"/>data in<span class=\"__10 _d_9\"/>te l\u00e4ng-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:951.6684px;\">re fanns till<span class=\"__10 _471\"/>g\u00e4ngliga. \u00d6verf\u00f6ringar f<span class=\"__10 _471\"/>r\u00e5n en niv\u00e5 till en annan </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:938.1432px;\">anses ha skett vid \u00e5rets sl<span class=\"__10 _471\"/>ut. Vinster och f\u00f6rlus<span class=\"__10 _d_9\"/>ter redovisade i </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:924.61804px;\">resulta<span class=\"__10 _d_9\"/>tr\u00e4kningen under \u00e5ret ing\u00e5r i posten \u201dNettoresul<span class=\"__10 _d_9\"/>tat av </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:911.09283px;\">poster till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde\u201d (se not K2.4 \u201dSumma nettoresult<span class=\"__10 _471\"/>at </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:897.5676px;\">av pos<span class=\"__10 _d_9\"/>ter till verkligt v\u00e4rde\u201d). <span class=\"__10 _d_9\"/>Tillg\u00e5ngar och skulder avseende </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:884.0424px;\">derivatins<span class=\"__10 _471\"/>trument r<span class=\"__10 _471\"/>edovisas netto.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 lsc_9 ws0_10\" style=\"left:48.323853px; bottom:402.25177px;\">2021, mn euro<span class=\"__10 _469\"> </span></div><div class=\"t_10 m1_5 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:197.27591px; bottom:476.91986px;\">Vinster och f\u00f6rl<span class=\"__10 _471\"/>uster </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:206.16245px; bottom:467.16986px;\">som redovisats  </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:198.91624px; bottom:457.41986px;\">i resulta<span class=\"__10 _471\"/>tr\u00e4kningen </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:214.52405px; bottom:447.66986px;\">under \u00e5ret<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:295.4302px; bottom:441.25046px;\">Redo- </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:299.30225px; bottom:431.50046px;\">visat <span class=\"__10 _2b_4\"/> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:291.49118px; bottom:421.75046px;\">i \u00f6vrigt </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 lsc_9 ws11_9\" style=\"left:296.64246px; bottom:412.00046px;\">total-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:288.39786px; bottom:402.25046px;\">resulta<span class=\"__10 _471\"/>t<span class=\"__10 _469\"> </span></div><div class=\"t_10 m1_5 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:478.15298px; bottom:421.75177px;\">\u00d6ver- </div><div class=\"t_10 m1_5 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:468.57498px; bottom:412.00177px;\">f\u00f6ringar <span class=\"__10 _2b_4\"/> </div><div class=\"t_10 m1_5 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:465.12192px; bottom:402.25177px;\">till niv\u00e5 3<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls13_8 ws1b_8\" style=\"left:519.02826px; bottom:431.50177px;\">\u00d6ver-<span class=\"ls0_10 ws0_10\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls13_8 ws1b_8\" style=\"left:509.72284px; bottom:421.75177px;\">f\u00f6ringar <span class=\"__10 _2b_4\"/><span class=\"ls0_10 ws0_10\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:524.5662px; bottom:412.00177px;\">fr\u00e5n <span class=\"__10 _2b_4\"/> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls13_8 ws0_10\" style=\"left:517.749px; bottom:402.25177px;\">niv\u00e5 3<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:174.78305px; bottom:412.00177px;\">1 jan </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:174.78305px; bottom:402.25177px;\">2021<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls12_8 ws1a_8\" style=\"left:214.52405px; bottom:412.00177px;\">Rea-<span class=\"ls0_10 ws0_10\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:202.69925px; bottom:402.25177px;\">liserade </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:251.90164px; bottom:412.00177px;\">Orea- </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:243.23584px; bottom:402.25177px;\">liserade </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:348.32526px; bottom:412.00177px;\">K\u00f6p/<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:326.34485px; bottom:402.25177px;\">emissioner<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:381.07745px; bottom:412.00177px;\">F\u00f6rs\u00e4lj- </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:384.98642px; bottom:402.25177px;\">ningar<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:426.94925px; bottom:421.75177px;\">A<span class=\"__10 _d_9\"/>vr\u00e4k-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:424.18805px; bottom:412.00177px;\">ningar<span class=\"__10 _d_9\"/>/ <span class=\"__10 _e_9\"/> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:422.42447px; bottom:402.25177px;\">likvider<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:568.03564px; bottom:421.75177px;\">Om- </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws12_9\" style=\"left:556.04236px; bottom:412.00177px;\">klassi\ufb01 -<span class=\"ws0_10\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:560.77386px; bottom:402.25177px;\">cering<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:615.9435px; bottom:431.50177px;\">Om- </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:596.77893px; bottom:421.75177px;\">r\u00e4knings-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:612.3009px; bottom:412.00177px;\"><span class=\"__10 _469\">diffe- </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:608.2839px; bottom:402.25177px;\">renser<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:645.8487px; bottom:412.00177px;\">31 dec </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:651.6441px; bottom:402.25177px;\">2021<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:385.10867px;\">R\u00e4nteb\u00e4r<span class=\"__10 _471\"/>ande </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:374.06125px;\">v\u00e4rdepapper<span class=\"__10 _8b_2\"> </span> 931<span class=\"__10 _9b_2\"> </span><span class=\"lse_8 ws14_9\">-4<span class=\"__10 _487\"> </span><span class=\"ls4_9 ws7_9\"> 14<span class=\"__10 _537\"> </span></span></span>\u2013<span class=\"__10 _548\"> </span> 27<span class=\"__10 _c_9\"/>3<span class=\"__10 _491\"> </span>-155<span class=\"__10 _a2_2\"> </span> 4<span class=\"__10 _545\"> </span> 67<span class=\"__10 _4a_2\"> </span><span class=\"lse_8 ws14_9\">-439<span class=\"__10 _3e_4\"> </span></span>\u2013<span class=\"__10 _498\"> </span> 12<span class=\"__10 _6f_2\"> </span> 703<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:356.91687px;\">- vara<span class=\"__10 _d_9\"/>v Life &amp; Pension<span class=\"__10 _505\"> </span> 67<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _545\"> </span><span class=\"ls4_9 ws7_9\">-1<span class=\"__10 _3e_4\"> </span></span>\u2013<span class=\"__10 _498\"> </span> 46<span class=\"__10 _483\"> </span><span class=\"ls3_9 ws6_9\">-25<span class=\"__10 _508\"> </span></span> 1<span class=\"__10 _545\"> </span><span class=\"lse_8 ws14_9\"> 43<span class=\"__10 _483\"> </span></span>-37<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _536\"> </span> 3<span class=\"__10 _491\"> </span><span class=\"ls10_8 ws17_8\"> 97<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:339.77246px;\">Aktier och andelar<span class=\"__10 _552\"> </span>1 969<span class=\"__10 _5a_2\"> </span> 56<span class=\"__10 _4a_2\"> </span> 292<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _547\"> </span><span class=\"ls3_9 ws6_9\"> 3<span class=\"__10 _c_9\"/>24<span class=\"__10 _4a_2\"> </span></span>-340<span class=\"__10 _b2_3\"> </span>-5<span class=\"__10 _8c_2\"> </span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _b2_3\"> </span>-50<span class=\"__10 _cd_2\"> </span>2 246<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:322.62805px;\">- vara<span class=\"__10 _d_9\"/>v Life &amp; Pension<span class=\"__10 _498\"> </span> 835<span class=\"__10 _514\"> </span> 45<span class=\"__10 _538\"> </span> 96<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _548\"> </span> 220<span class=\"__10 _491\"> </span>-193<span class=\"__10 _545\"> </span>-5<span class=\"__10 _536\"> </span>\u2013<span class=\"__10 _508\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _536\"> </span> 3<span class=\"__10 _c1_2\"> </span>1 001<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:305.48367px;\">Tillg\u00e5ngar i </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:294.43625px;\">placeringsportf\u00f6ljer och </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:283.38885px;\">fondf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s\u00e4kringsavtal<span class=\"__10 _507\"> </span>92<span class=\"__10 _a2_2\"> </span>9<span class=\"__10 _bc_2\"> </span>30<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _8c_2\"> </span>53<span class=\"__10 _487\"> </span><span class=\"ls3_9 ws6_9\">-26<span class=\"__10 _b2_3\"> </span><span class=\"lse_8 ws14_9\">-4<span class=\"__10 _8c_2\"> </span></span></span>9<span class=\"__10 _b2_3\"> </span>-5<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _4e_2\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _ac_2\"> </span></span>156<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:266.24445px;\">- vara<span class=\"__10 _d_9\"/>v Life &amp; Pension<span class=\"__10 _1c_6\"> </span>92<span class=\"__10 _a2_2\"> </span>9<span class=\"__10 _bc_2\"> </span>30<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>53<span class=\"__10 _487\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _c_9\"/>6<span class=\"__10 _545\"> </span><span class=\"lse_8 ws14_9\">-4<span class=\"__10 _536\"> </span></span></span>9<span class=\"__10 _b2_3\"> </span>-5<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _8c_2\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _ac_2\"> </span></span>156<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:249.10007px;\">Derivatinstrumen<span class=\"__10 _d_9\"/>t (netto)<span class=\"__10 _510\"> </span> 162<span class=\"__10 _538\"> </span><span class=\"ls3_9 ws6_9\">-26<span class=\"__10 _514\"> </span><span class=\"ls14_8 ws1c_8\">-75<span class=\"__10 _cb_2\"> </span></span></span>\u2013<span class=\"__10 _3f_4\"> </span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _487\"> </span> 40<span class=\"__10 _494\"> </span>-6<span class=\"__10 _bc_2\"> </span><span class=\"ls15_8 ws1d_8\"> 72<span class=\"__10 _3e_4\"> </span></span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _531\"> </span> 167<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:231.95566px;\">\u00d6vriga tillg\u00e5ngar<span class=\"__10 _ce_3\"> </span> 31<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _1c_6\"> </span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _b2_3\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _8c_2\"> </span></span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _2a_4\"> </span> 29<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:214.81126px;\">- vara<span class=\"__10 _d_9\"/>v Life &amp; Pension<span class=\"__10 _cf_2\"> </span> 30<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _518\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _1c_6\"> </span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _b2_3\"> </span><span class=\"ls3_9 ws6_9\">-2<span class=\"__10 _8c_2\"> </span></span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _537\"> </span>\u2013<span class=\"__10 _cf_2\"> </span>\u2013<span class=\"__10 _491\"> </span> 28<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:197.66685px;\">Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper<span class=\"__10 _9f_2\"> </span>1 781<span class=\"__10 _514\"> </span> 53<span class=\"__10 _1f_6\"> </span>27<span class=\"__10 _c_9\"/>2<span class=\"__10 _3e_4\"> </span> 1<span class=\"__10 _547\"> </span> 401<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _2a_4\"> </span>-472<span class=\"__10 _a2_2\"> </span> 31<span class=\"__10 _4a_2\"> </span>-479<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _c9_3\"> </span>1 588<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:179.04826px;\">\u00d6vriga skulder<span class=\"__10 _d0_2\"> </span> 32<span class=\"__10 _487\"> </span><span class=\"ls4_9 ws7_9\">-11<span class=\"__10 _a2_2\"> </span></span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _d1_2\"> </span> 33<span class=\"__10 _545\"> </span>-8<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _4e_2\"> </span>\u2013<span class=\"__10 _498\"> </span>\u2013<span class=\"__10 _3e_4\"> </span>\u2013<span class=\"__10 _505\"> </span>\u2013<span class=\"__10 _2a_4\"> </span> 46<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h1_10 ff1_10 fs0_10 fc0_10 sc0_10 ls0_10 ws0_10\" style=\"left:656.3909px; bottom:2.1012287px;\">131<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h2_10 ff2_10 fs1_9 fc0_10 sc0_10 ls0_10 ws1_10\" style=\"left:497.5244px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h3_9 ff2_10 fs1_9 fc0_10 sc0_10 ls1_10 ws2_9\" style=\"left:4.2144775px; bottom:1029.1447px;\">Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span></div><div class=\"t_10 m0_10 hd_9 ff4_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:986.27924px;\">K3.<span class=\"__10 _471\"/>4  Verkligt v\u00e4rde, f<span class=\"__10 _471\"/>orts.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 he_9 ff2_10 fs4_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:951.164px;\">Processen f<span class=\"__10 _d_9\"/>\u00f6r v\u00e4rdering till verkligt v<span class=\"__10 _471\"/>\u00e4rde </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:937.63495px;\">V<span class=\"__10 _d_9\"/>\u00e4rderingsprocessen i Nordea utg\u00f6rs a<span class=\"__10 _d_9\"/>v flera steg. F<span class=\"__10 _471\"/>\u00f6rsta ste-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:924.10974px;\">get \u00e4r att ta fr<span class=\"__10 _d_9\"/>am medelpriset vid dagens slut<span class=\"__10 _c_9\"/><span class=\"__10 _469\">. Det \u00e4r aff\u00e4rs-<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:910.58453px;\">omr\u00e5dena som ansvar<span class=\"__10 _d_9\"/>ar f\u00f6r att fas<span class=\"__10 _d_9\"/>tst\u00e4lla korrekt<span class=\"__10 _471\"/>a priser f\u00f6r </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:897.0593px;\">v\u00e4rderingspr<span class=\"__10 _471\"/>ocessen. Dessa priser \u00e4r an<span class=\"__10 _d_9\"/>tingen internt f<span class=\"__10 _d_9\"/>ast-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:883.5341px;\">st\u00e4llda a<span class=\"__10 _d_9\"/>v en tradingenhet eller inh\u00e4mtade fr<span class=\"__10 _471\"/>\u00e5n ext<span class=\"__10 _d_9\"/>erna k\u00e4llor. </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:870.0089px;\">V<span class=\"__10 _d_9\"/>\u00e4rderingspriserna och v\u00e4rderingsmetoderna kon<span class=\"__10 _d_9\"/>trolleras </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:856.4837px;\">och testas d\u00e4r<span class=\"__10 _471\"/>efter a<span class=\"__10 _d_9\"/>v en kontrollenhet i f<span class=\"__10 _471\"/>\u00f6rsta f<span class=\"__10 _471\"/>\u00f6rsvarslinjen </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:842.9585px;\">som \u00e4r oberoende fr<span class=\"__10 _d_9\"/>\u00e5n de risktagande enheterna i fron<span class=\"__10 _d_9\"/><span class=\"__10 _469\">t offi-<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:829.4333px;\">ce. Allr<span class=\"__10 _d_9\"/>a viktigast i kon<span class=\"__10 _471\"/>trollproce<span class=\"__10 _471\"/>ssen \u00e4r den oberoende kon-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:815.90814px;\">trollen a<span class=\"__10 _d_9\"/>v priser. H\u00e4r k<span class=\"__10 _d_9\"/>ontrolleras rik<span class=\"__10 _471\"/>tigheten i v\u00e4rderingarna </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:802.38293px;\">genom att j\u00e4mf<span class=\"__10 _d_9\"/>\u00f6ra medelpriserna vid dagens slut med data </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:788.8577px;\">fr\u00e5n ober<span class=\"__10 _471\"/>oende k\u00e4llor<span class=\"__10 _d_9\"/>. Slutligen analyseras r<span class=\"__10 _d_9\"/>esultatet a<span class=\"__10 _471\"/>v v\u00e4r-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:775.3325px;\">deringskontr<span class=\"__10 _d_9\"/>ollen och v\u00e4rderingarna, och eventuella no<span class=\"__10 _d_9\"/>te-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:761.8073px;\">ringar eskaleras. <span class=\"__10 _d_9\"/>\u00c4v<span class=\"__10 _471\"/>en justeringar f<span class=\"__10 _d_9\"/>\u00f6r variationer i oberoende<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:951.7016px;\">priskontr<span class=\"__10 _d_9\"/>oller ing\u00e5r i verkligt v\u00e4rde. Kon<span class=\"__10 _d_9\"/>trollen av rik<span class=\"__10 _471\"/>tigheten i </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws4_9\" style=\"left:320.61172px; bottom:938.1764px;\">priser och andra par<span class=\"__10 _471\"/>ametrar utf<span class=\"__10 _471\"/>\u00f6rs som minimum p\u00e5 m\u00e5nads<span class=\"ws0_10\">-<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:924.6512px;\">basis och f\u00f6r m\u00e5nga pr<span class=\"__10 _471\"/>odukter dagligen. In<span class=\"__10 _d_9\"/>formation fr<span class=\"__10 _471\"/>\u00e5n </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:911.126px;\">tredje part, s\u00e5som prisnoteringar och annan prisinf<span class=\"__10 _d_9\"/>ormation </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:897.60077px;\">fr\u00e5n m\u00e4klar<span class=\"__10 _471\"/>e, anv\u00e4nds som j\u00e4m<span class=\"__10 _d_9\"/>f\u00f6relseuppgifter vid kon<span class=\"__10 _d_9\"/>trol-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:884.07556px;\">len. J\u00e4mf<span class=\"__10 _d_9\"/>\u00f6relseuppgifternas kvalitet bed\u00f6ms regelbundet.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:333.50708px; bottom:870.55035px;\">Justeringar till verkligt v<span class=\"__10 _d_9\"/>\u00e4rde p\u00e5 portf\u00f6ljniv\u00e5 och uppskjut-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:857.02515px;\">na dag 1-re<span class=\"__10 _471\"/>sultat f<span class=\"__10 _471\"/>r\u00e5n niv\u00e5 3-tr<span class=\"__10 _d_9\"/>ansaktioner ber\u00e4knas och rap-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:843.49994px;\">porteras m\u00e5nadsvis. Den fak<span class=\"__10 _d_9\"/>tiska bed\u00f6mningen av instru-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:829.9748px;\">ment i hier<span class=\"__10 _471\"/>arkin f\u00f6r v<span class=\"__10 _471\"/>erkligt v\u00e4rde utf<span class=\"__10 _d_9\"/>\u00f6rs kontinuerligt.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:333.50708px; bottom:816.4496px;\">S\u00e4rskilda team inom riskorganisationen ansv<span class=\"__10 _d_9\"/>arar i andra </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:802.9244px;\">f\u00f6rsvarslinjen f<span class=\"__10 _d_9\"/>\u00f6r att \u00f6vervaka och oberoende bed\u00f6ma de v\u00e4r-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:789.3992px;\">deringar och kontr<span class=\"__10 _d_9\"/>oller som g\u00f6r<span class=\"__10 _c_9\"/>s av a<span class=\"__10 _d_9\"/><span class=\"__10 _469\">ff\u00e4rsomr\u00e5dena och </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:775.87396px;\">Group Finance (f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>sta f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>svarslinjen).<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h1_10 ff1_10 fs0_10 fc0_10 sc0_10 ls0_10 ws0_10\" style=\"left:0.01052475px; bottom:2.1012287px;\">132<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h2_10 ff2_10 fs1_9 fc0_10 sc0_10 ls0_10 ws1_10\" style=\"left:44.122643px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h3_9 ff2_10 fs1_9 fc0_10 sc0_10 ls1_10 ws2_9\" style=\"left:48.323853px; bottom:1029.1447px;\">Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span></div><div class=\"t_10 m0_10 h8_9 ff1_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:951.6515px;\">V<span class=\"__10 _d_9\"/>\u00e4rderingsmetoder och indata som anv<span class=\"__10 _471\"/>\u00e4nds vid v\u00e4rderingen till v<span class=\"__10 _471\"/>erkligt v\u00e4rde i niv<span class=\"__10 _471\"/>\u00e5 3<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:925.3675px;\">31 dec 2022, mn euro<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:229.0639px; bottom:935.1175px;\">V<span class=\"__10 _471\"/>erkligt </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:237.44888px; bottom:925.3675px;\">v\u00e4rde </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:280.94168px; bottom:935.1175px;\">V<span class=\"__10 _d_9\"/>arav Life &amp; </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:293.3125px; bottom:925.3675px;\"><span class=\"__10 _469\">Pension1</span><span class=\"__10 _6c_2\"> </span>V\u00e4rderingmetoder<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:506.3968px; bottom:935.1175px;\">Ej observerbara </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:506.3968px; bottom:925.3675px;\">indata<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:621.7627px; bottom:935.1175px;\">Intervall f<span class=\"__10 _471\"/>\u00f6r <span class=\"__10 _2b_4\"/> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:613.7989px; bottom:925.3675px;\">verkligt v\u00e4rde<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:905.09204px;\">R\u00e4nteb\u00e4rande v<span class=\"__10 _d_9\"/>\u00e4rdepapper </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:889.0578px;\">Bol\u00e5neinstitut och andra kreditins<span class=\"__10 _d_9\"/>titut<span class=\"__10 _8c_2\"> </span>238<span class=\"__10 _503\"> </span>47<span class=\"__10 _6c_2\"> </span>Diskonterade kassafl<span class=\"__10 _471\"/>\u00f6den<span class=\"__10 _564\"> </span>Kreditspr<span class=\"__10 _d_9\"/>ead<span class=\"__10 _d2_2\"> </span>-15/15<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:873.0236px;\">F\u00f6ret<span class=\"__10 _471\"/><span class=\"__10 _469\">ag2</span><span class=\"__10 _d3_2\"> </span>199<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Diskon<span class=\"__10 _471\"/>terade kassafl\u00f6den<span class=\"__10 _7a_2\"> </span>Kreditspread<span class=\"__10 _d4_3\"> </span>-5/5<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:856.98944px;\">Summa<span class=\"__10 _495\"> </span>437<span class=\"__10 _564\"> </span>47<span class=\"__10 _d5_2\"> </span>-20/20<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:836.7146px;\">Aktier och andelar </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:820.6804px;\">Private equity-f<span class=\"__10 _d_9\"/>onder<span class=\"__10 _d6_2\"> </span>1 316<span class=\"__10 _d7_2\"> </span>693<span class=\"__10 _6f_2\"> </span>Andelsv\u00e4r<span class=\"__10 _471\"/><span class=\"__10 _469\">de3</span><span class=\"__10 _d8_3\"> </span>-151/151<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:804.64624px;\">Hedgefonder<span class=\"__10 _d9_2\"> </span>68<span class=\"__10 _564\"> </span>67<span class=\"__10 _6f_2\"> </span><span class=\"__10 _469\">Andelsv\u00e4rde3</span><span class=\"__10 _da_2\"> </span>-6/6<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:788.612px;\">Kreditfonder<span class=\"__10 _d9_2\"> </span><span class=\"ls4_9 ws7_9\">511<span class=\"__10 _564\"> </span></span>63<span class=\"__10 _6f_2\"> </span>Andelsv\u00e4rde/<span class=\"__10 _d_9\"/><span class=\"__10 _469\">analytikerkonsensus3</span><span class=\"__10 _db_2\"> </span>-49/49<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:772.5778px;\">\u00d6vriga fonder<span class=\"__10 _dc_2\"> </span>323<span class=\"__10 _513\"> </span>193<span class=\"__10 _6f_2\"> </span>Andelsv\u00e4rde/f<span class=\"__10 _d_9\"/><span class=\"__10 _469\">ondkurser3</span><span class=\"__10 _499\"> </span>-27/27<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:756.54364px;\"><span class=\"__10 _469\">\u00d6vrigt4</span><span class=\"__10 _563\"> </span>491<span class=\"__10 _513\"> </span><span class=\"lsd_8 ws13_9\">3<span class=\"__10 _c_9\"/>74<span class=\"__10 _3c_4\"> </span></span>\u2013<span class=\"__10 _dd_3\"> </span>-52/52<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:740.5094px;\">Summa<span class=\"__10 _de_2\"> </span>2 709<span class=\"__10 _1c_6\"> </span>1 390<span class=\"__10 _527\"> </span> -285/285 </div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:720.2346px;\">Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:704.20044px;\">R\u00e4ntederiv<span class=\"__10 _471\"/>at<span class=\"__10 _d9_2\"> </span>-81<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6c_2\"> </span>Optionsmodell<span class=\"__10 _557\"> </span>Korrelationer<span class=\"__10 _490\"> </span>-<span class=\"__10 _d_9\"/>20/<span class=\"__10 _c_9\"/>21<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:506.3968px; bottom:688.1662px;\">V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:672.132px;\">Aktiederiva<span class=\"__10 _d_9\"/>t<span class=\"__10 _db_2\"> </span>-5<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Op<span class=\"__10 _471\"/>tionsmodell<span class=\"__10 _557\"> </span>Korr<span class=\"__10 _471\"/>elationer<span class=\"__10 _d4_3\"> </span><span class=\"ls16_8 ws1e_7\">-7/<span class=\"__10 _c_9\"/>4<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:506.3968px; bottom:656.09784px;\">V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:506.3968px; bottom:640.0636px;\">Utdelning<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:624.0294px;\">V<span class=\"__10 _d_9\"/>alutaderivat<span class=\"__10 _df_2\"> </span>286<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Optionsmodell<span class=\"__10 _557\"> </span>K<span class=\"__10 _d_9\"/>orrelationer<span class=\"__10 _e0_2\"> </span>-4/2<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:506.3968px; bottom:607.99524px;\">V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:591.961px;\">Kreditderiva<span class=\"__10 _471\"/>t<span class=\"__10 _df_2\"> </span><span class=\"ls4_9 ws7_9\">-152<span class=\"__10 _504\"> </span></span>\u2013<span class=\"__10 _6f_2\"> </span>Kreditderiva<span class=\"__10 _d_9\"/>tmodell <span class=\"__10 _e1_2\"> </span>Korrela<span class=\"__10 _471\"/>tioner<span class=\"__10 _e2_2\"> </span>-11/16<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:506.3968px; bottom:575.9268px;\">\u00c5tervinningsgrad<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:506.3968px; bottom:559.89264px;\">V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:543.8584px;\">\u00d6vrigt<span class=\"__10 _e3_2\"> </span>1<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Optionsmodell<span class=\"__10 _557\"> </span>K<span class=\"__10 _d_9\"/>orrelationer<span class=\"__10 _e4_2\"> </span>-0/0<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:506.3968px; bottom:527.8242px;\">V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:511.79004px;\">Summa<span class=\"__10 _563\"> </span>49<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _e5_2\"> </span>-42/43<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:491.5152px;\">Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:475.48102px;\">Emitterade struk<span class=\"__10 _d_9\"/>turerade obligationer<span class=\"__10 _487\"> </span>-1 088<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Kredit<span class=\"__10 _471\"/>derivatmodell <span class=\"__10 _e6_2\"> </span>Korrela<span class=\"__10 _471\"/>tioner<span class=\"__10 _e7_2\"> </span>-5/5<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:506.3968px; bottom:459.4468px;\">\u00c5tervinningsgrad<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:506.3968px; bottom:443.41263px;\">V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:427.37842px;\">Summa<span class=\"__10 _e8_3\"> </span>-1 088<span class=\"__10 _504\"> </span><span class=\"ff2_10\">\u2013<span class=\"__10 _e9_3\"> </span></span>-5/5<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:410.78912px;\">\u00d6vrigt, netto<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:392.17053px;\">\u00d6vriga tillg\u00e5ngar och \u00d6vriga skulder<span class=\"__10 _d_9\"/>, </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:381.1231px;\">netto<span class=\"__10 _ea_3\"> </span>-30<span class=\"__10 _503\"> </span><span class=\"ls11_8 ws19_8\">25<span class=\"__10 _6c_2\"> </span></span>\u2013<span class=\"__10 _492\"> </span>\u2013<span class=\"__10 _eb_2\"> </span>-3/3<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:363.97873px;\">Summa<span class=\"__10 _553\"> </span>-30<span class=\"__10 _503\"> </span><span class=\"ls17_8 ws1f_7\">25<span class=\"__10 _6a_2\"> </span></span>-3/3<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:344.22952px;\">1)   <span class=\"__10 _2b_4\"/>Innehav i \ufb01nansiella instrument utg\u00f6r en s<span class=\"__10 _d_9\"/>tor del av livf\u00f6rs\u00e4kringsr\u00f6relsen, i syfte att fullg\u00f6r<span class=\"__10 _471\"/>a \u00e5taganden i f\u00f6rs\u00e4kringsa<span class=\"__10 _d_9\"/>vtal och \ufb01nansiella avtal. Vinster och f\u00f6rlus<span class=\"__10 _471\"/>ter h\u00e4nf<span class=\"__10 _471\"/>\u00f6rliga till </div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:58.494278px; bottom:335.39264px;\">dessa instrument alloker<span class=\"__10 _d_9\"/>as n\u00e4stan uteslutande till f\u00f6rs\u00e4kringstagarna och p\u00e5<span class=\"__10 _471\"/>verkar d\u00e4rmed inte Nor<span class=\"__10 _d_9\"/>deas eget kapital<span class=\"__10 _c_9\"/>.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:323.78857px;\">2)   <span class=\"__10 _2b_4\"/>Var<span class=\"__10 _471\"/><span class=\"__10 _469\">av 150 mn euro priss\u00e4</span><span class=\"__10 _471\"/>tts utifr\u00e5n en kreditspread (skillnaden mellan disk<span class=\"__10 _471\"/>onteringsr\u00e4n<span class=\"__10 _d_9\"/>tan och LIBOR) p\u00e5 1,45 procent, och en rimlig f\u00f6r\u00e4ndring av denna kr<span class=\"__10 _d_9\"/>editspread  </div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:59.845367px; bottom:314.9517px;\">skulle inte p\u00e5<span class=\"__10 _d_9\"/>verka det verkliga v\u00e4rdet med tanke p\u00e5 \u00e5terk<span class=\"__10 _d_9\"/>\u00f6psm\u00f6jligheten. </div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:303.34763px;\">3)   <span class=\"__10 _2b_4\"/>Verkligt v\u00e4r<span class=\"__10 _471\"/>de baseras p\u00e5 kurser och andelsv\u00e4rden s<span class=\"__10 _471\"/>om erh\u00e5llits av e<span class=\"__10 _471\"/>xterna leveran<span class=\"__10 _d_9\"/>t\u00f6rer/f\u00f6rvaltare. De<span class=\"__10 _471\"/>ssa kurser fasts<span class=\"__10 _471\"/>t\u00e4lls utifr\u00e5n v\u00e4r<span class=\"__10 _d_9\"/>deutvecklingen i de underliggande tillg\u00e5ng<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:651.6441px; bottom:303.34192px;\">-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:59.845367px; bottom:294.50204px;\">arna. Den allra vanligaste v<span class=\"__10 _d_9\"/>\u00e4rderingsmetoden f\u00f6r private equity-fonder hos le<span class=\"__10 _471\"/>verant<span class=\"__10 _471\"/>\u00f6rer/f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>valtare \u00f6v<span class=\"__10 _471\"/>erensst\u00e4mmer med anvisningarna i In<span class=\"__10 _d_9\"/>ternational Private Equity and V<span class=\"__10 _d_9\"/>enture </div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:59.845367px; bottom:285.66516px;\">Capital V<span class=\"__10 _d_9\"/>aluation (IPEV), som utf\u00e4rdats a<span class=\"__10 _471\"/>v Invest E<span class=\"__10 _d_9\"/>urope (tidigare kallad EVCA). Ungef<span class=\"__10 _471\"/>\u00e4r 50 procent a<span class=\"__10 _d_9\"/>v innehavet i private equity-f<span class=\"__10 _471\"/>onder justeras/v<span class=\"__10 _471\"/>\u00e4rderas int<span class=\"__10 _471\"/>ernt utifr\u00e5n IPEV<span class=\"__10 _d_9\"/>-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:59.845367px; bottom:276.82828px;\">anvisningarna. De redovisade v\u00e4r<span class=\"__10 _471\"/>dena f\u00f6r dessa ligger i in<span class=\"__10 _471\"/>tervallet 1 till 100 procen<span class=\"__10 _471\"/>t j\u00e4mf\u00f6rt med de v\u00e4r<span class=\"__10 _471\"/>den som erh\u00e5llits fr\u00e5n lever<span class=\"__10 _d_9\"/>ant\u00f6rer/f\u00f6rvaltar<span class=\"__10 _d_9\"/>e.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:265.2242px;\">4)   <span class=\"__10 _2b_4\"/>Var<span class=\"__10 _471\"/>av 362 mn euro r<span class=\"__10 _471\"/>elateras till tillg\u00e5ngar i placeringsportf<span class=\"__10 _471\"/>\u00f6ljer och fondf<span class=\"__10 _471\"/>\u00f6rs\u00e4kringsavtal.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hd_9 ff4_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:986.27924px;\">K3.<span class=\"__10 _471\"/>4  Verkligt v\u00e4rde, f<span class=\"__10 _471\"/>orts.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h1_10 ff1_10 fs0_10 fc0_10 sc0_10 ls0_10 ws0_10\" style=\"left:656.3909px; bottom:2.1012287px;\">133<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h2_10 ff2_10 fs1_9 fc0_10 sc0_10 ls0_10 ws1_10\" style=\"left:497.5244px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h3_9 ff2_10 fs1_9 fc0_10 sc0_10 ls1_10 ws2_9\" style=\"left:4.2144775px; bottom:1029.1447px;\">Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span></div><div class=\"t_10 m0_10 h8_9 ff1_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:951.6515px;\">V<span class=\"__10 _d_9\"/>\u00e4rderingsmetoder och indata som anv<span class=\"__10 _471\"/>\u00e4nds vid v\u00e4rderingen till v<span class=\"__10 _471\"/>erkligt v\u00e4rde i niv<span class=\"__10 _471\"/>\u00e5 3<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:925.3675px;\">31 dec 2021, mn euro<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:184.95453px; bottom:935.1175px;\">V<span class=\"__10 _471\"/>erkligt </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:193.33951px; bottom:925.3675px;\">v\u00e4rde </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:236.8323px; bottom:935.1175px;\">V<span class=\"__10 _d_9\"/>arav Life &amp; </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:249.20312px; bottom:925.3675px;\"><span class=\"__10 _469\">Pension1</span><span class=\"__10 _6c_2\"> </span>V\u00e4rderingmetoder<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:462.2874px; bottom:935.1175px;\">Ej observerbara </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:462.2874px; bottom:925.3675px;\">indata<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:577.6533px; bottom:935.1175px;\">Intervall f<span class=\"__10 _471\"/>\u00f6r <span class=\"__10 _2b_4\"/> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:569.6895px; bottom:925.3675px;\">verkligt v\u00e4rde<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:905.09204px;\">R\u00e4nteb\u00e4rande v<span class=\"__10 _d_9\"/>\u00e4rdepapper </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:889.0578px;\">Offen<span class=\"__10 _471\"/>tliga institutioner<span class=\"__10 _ec_2\"> </span>40<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Diskon<span class=\"__10 _471\"/>terade kassafl\u00f6den<span class=\"__10 _7a_2\"> </span>Kreditspread<span class=\"__10 _e7_2\"> </span>-4/4<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:873.0236px;\">Bol\u00e5neinstitut och andra kreditins<span class=\"__10 _d_9\"/>titut<span class=\"__10 _536\"> </span>491<span class=\"__10 _564\"> </span>92<span class=\"__10 _6f_2\"> </span>Diskonter<span class=\"__10 _471\"/>ade kassafl\u00f6den<span class=\"__10 _ed_2\"> </span>Kreditspread<span class=\"__10 _ee_3\"> </span>-41/41<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:856.98944px;\">F\u00f6ret<span class=\"__10 _471\"/><span class=\"__10 _469\">ag2</span><span class=\"__10 _8f_2\"> </span><span class=\"ls4_9 ws7_9\">17<span class=\"__10 _c_9\"/>2<span class=\"__10 _559\"> </span></span>5<span class=\"__10 _6f_2\"> </span>Diskon<span class=\"__10 _471\"/>terade kassafl\u00f6den<span class=\"__10 _7a_2\"> </span>Kreditspread<span class=\"__10 _ef_2\"> </span><span class=\"ls4_9 ws7_9\">-17<span class=\"__10 _471\"/>/17<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:840.9552px;\">Summa<span class=\"__10 _495\"> </span>703<span class=\"__10 _564\"> </span><span class=\"ls18_8 ws20_7\">97<span class=\"__10 _f0_3\"> </span></span>-62/62<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:820.6804px;\">Aktier och andelar </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:804.64624px;\">Private equity-f<span class=\"__10 _d_9\"/>onder<span class=\"__10 _f1_2\"> </span>938<span class=\"__10 _7d_3\"> </span>633<span class=\"__10 _6f_2\"> </span><span class=\"__10 _469\">Andelsv\u00e4rde3</span><span class=\"__10 _f2_2\"> </span>-111/111<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:788.612px;\">Hedgefonder<span class=\"__10 _c2_3\"> </span><span class=\"ls15_8 ws1d_8\">72<span class=\"__10 _9e_2\"> </span></span>71<span class=\"__10 _6f_2\"> </span><span class=\"__10 _469\">Andelsv\u00e4rde3</span><span class=\"__10 _da_2\"> </span>-6/6<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:772.5778px;\">Kreditfonder<span class=\"__10 _f3_2\"> </span>498<span class=\"__10 _b8_2\"> </span>115<span class=\"__10 _6f_2\"> </span>Andelsv\u00e4rde/<span class=\"__10 _d_9\"/><span class=\"__10 _469\">analytikerkonsensus3</span><span class=\"__10 _f4_2\"> </span>-45/45<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:756.54364px;\">\u00d6vriga fonder<span class=\"__10 _df_2\"> </span><span class=\"ls4_9 ws7_9\">512<span class=\"__10 _a6_3\"> </span></span>168<span class=\"__10 _6f_2\"> </span><span class=\"__10 _469\">Andelsv\u00e4rde/fondkurser3</span><span class=\"__10 _f5_2\"> </span>-46/46<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:740.5094px;\"><span class=\"__10 _469\">\u00d6vrigt4</span><span class=\"__10 _f6_2\"> </span>382<span class=\"__10 _513\"> </span><span class=\"ls4_9 ws7_9\">17<span class=\"__10 _c_9\"/>0<span class=\"__10 _6f_2\"> </span></span>\u2013<span class=\"__10 _f7_2\"> </span>-39/39<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:724.4752px;\">Summa<span class=\"__10 _de_2\"> </span>2 402<span class=\"__10 _485\"> </span>1 157<span class=\"__10 _f8_2\"> </span><span class=\"ls3_9 ws6_9\"> -247/24<span class=\"__10 _c_9\"/>7 </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:704.20044px;\">Derivatinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:688.1662px;\">R\u00e4ntederiv<span class=\"__10 _471\"/>at<span class=\"__10 _f9_2\"> </span>216<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Optionsmodell<span class=\"__10 _557\"> </span>K<span class=\"__10 _d_9\"/>orrelationer<span class=\"__10 _e2_2\"> </span>-12/12<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:462.2874px; bottom:672.132px;\">V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:656.09784px;\">Aktiederiva<span class=\"__10 _d_9\"/>t<span class=\"__10 _fa_2\"> </span><span class=\"lsd_8 ws13_9\">-74<span class=\"__10 _3a_5\"> </span></span>\u2013<span class=\"__10 _6f_2\"> </span>Optionsmodell<span class=\"__10 _557\"> </span>Korrela<span class=\"__10 _d_9\"/>tioner<span class=\"__10 _fb_2\"> </span>-11/8<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:462.2874px; bottom:640.0636px;\">V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:462.2874px; bottom:624.0294px;\">Utdelning<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:607.99524px;\">V<span class=\"__10 _d_9\"/>alutaderivat<span class=\"__10 _c2_3\"> </span>41<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Optionsmodell<span class=\"__10 _557\"> </span>Korrela<span class=\"__10 _d_9\"/>tioner<span class=\"__10 _fc_3\"> </span>0/0<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:462.2874px; bottom:591.961px;\">V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:575.9268px;\">Kreditderiva<span class=\"__10 _471\"/>t<span class=\"__10 _fd_2\"> </span><span class=\"ls4_9 ws7_9\">-18<span class=\"__10 _504\"> </span></span>\u2013<span class=\"__10 _6f_2\"> </span>Kreditderivatmodell <span class=\"__10 _e6_2\"> </span>Korrela<span class=\"__10 _d_9\"/>tioner<span class=\"__10 _490\"> </span>-<span class=\"__10 _d_9\"/>20/<span class=\"__10 _c_9\"/>27<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:462.2874px; bottom:559.89264px;\">\u00c5tervinningsgrad<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:462.2874px; bottom:543.8584px;\">V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:527.8242px;\">\u00d6vrigt<span class=\"__10 _fe_2\"> </span>2<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Optionsmodell<span class=\"__10 _557\"> </span>K<span class=\"__10 _d_9\"/>orrelationer<span class=\"__10 _e4_2\"> </span>-0/0<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:462.2874px; bottom:511.79004px;\">V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:495.7558px;\">Summa<span class=\"__10 _553\"> </span>167<span class=\"__10 _550\"> </span>\u2013<span class=\"__10 _d5_2\"> </span>-43/47<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:475.48102px;\">Emitterade v\u00e4r<span class=\"__10 _471\"/>depapper<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:459.4468px;\">Emitterade struk<span class=\"__10 _d_9\"/>turerade obligationer<span class=\"__10 _548\"> </span>1 588<span class=\"__10 _504\"> </span>\u2013<span class=\"__10 _6f_2\"> </span>Kreditderiv<span class=\"__10 _d_9\"/>atmodell <span class=\"__10 _e1_2\"> </span>Korr<span class=\"__10 _471\"/>elationer<span class=\"__10 _d4_3\"> </span><span class=\"ls16_8 ws1e_7\">-<span class=\"__10 _c_9\"/>7/<span class=\"__10 _1d_6\"/>7<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:462.2874px; bottom:443.41263px;\">\u00c5tervinningsgrad<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:462.2874px; bottom:427.37842px;\">V<span class=\"__10 _d_9\"/>olatilitet<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:411.3442px;\">Summa<span class=\"__10 _de_2\"> </span>1 588<span class=\"__10 _504\"> </span><span class=\"ff2_10\">\u2013<span class=\"__10 _ff_2\"> </span></span><span class=\"ls16_8 ws1e_7\">-7/<span class=\"__10 _1d_6\"/>7<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:394.7549px;\">\u00d6vrigt, netto<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:376.13632px;\">\u00d6vriga tillg\u00e5ngar och \u00d6vriga skulder<span class=\"__10 _d_9\"/>, </div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:365.08893px;\">netto<span class=\"__10 _7e_2\"> </span><span class=\"ls4_9 ws7_9\">-17<span class=\"__10 _564\"> </span></span>28<span class=\"__10 _6f_2\"> </span>\u2013<span class=\"__10 _570\"> </span>\u2013<span class=\"__10 _571\"> </span>1/-1<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:347.94452px;\">Summa<span class=\"__10 _561\"> </span><span class=\"ls4_9 ws7_9\">-17<span class=\"__10 _ed_2\"> </span></span>28<span class=\"__10 _572\"> </span>1/-1<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:328.19077px;\">1)   <span class=\"__10 _2b_4\"/>Innehav i \ufb01nansiella instrument utg\u00f6r en s<span class=\"__10 _d_9\"/>tor del av livf\u00f6rs\u00e4kringsr\u00f6relsen, i syfte att fullg\u00f6r<span class=\"__10 _471\"/>a \u00e5taganden i f\u00f6rs\u00e4kringsa<span class=\"__10 _d_9\"/>vtal och \ufb01nansiella avtal. Vinster och f\u00f6rlus<span class=\"__10 _471\"/>ter h\u00e4nf<span class=\"__10 _471\"/>\u00f6rliga till </div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:14.384903px; bottom:319.35388px;\">dessa instrument alloker<span class=\"__10 _d_9\"/>as n\u00e4stan uteslutande till f\u00f6rs\u00e4kringstagarna och p\u00e5<span class=\"__10 _471\"/>verkar d\u00e4rmed inte Nor<span class=\"__10 _d_9\"/>deas eget kapital<span class=\"__10 _c_9\"/>.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:307.74982px;\">2)   <span class=\"__10 _2b_4\"/>Var<span class=\"__10 _471\"/><span class=\"__10 _469\">av 155 mn euro priss\u00e4</span><span class=\"__10 _471\"/>tts utifr\u00e5n en kreditspread (skillnaden mellan disk<span class=\"__10 _471\"/>onteringsr\u00e4n<span class=\"__10 _d_9\"/>tan och LIBOR) p\u00e5 1,45 procent, och en rimlig f\u00f6r\u00e4ndring av denna kr<span class=\"__10 _d_9\"/>editspread skulle inte </div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:15.735992px; bottom:298.91293px;\">p\u00e5verka det v<span class=\"__10 _471\"/>erkliga v\u00e4rdet med tanke p\u00e5 \u00e5<span class=\"__10 _471\"/>terk\u00f6psm\u00f6jligheten. </div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:287.30887px;\">3)   <span class=\"__10 _2b_4\"/>Verkligt v\u00e4r<span class=\"__10 _471\"/>de baseras p\u00e5 kurser och andelsv\u00e4rden s<span class=\"__10 _471\"/>om erh\u00e5llits av e<span class=\"__10 _471\"/>xterna leveran<span class=\"__10 _d_9\"/>t\u00f6rer/f\u00f6rvaltare. De<span class=\"__10 _471\"/>ssa kurser fasts<span class=\"__10 _471\"/>t\u00e4lls utifr\u00e5n v\u00e4r<span class=\"__10 _d_9\"/>deutvecklingen i de underliggande tillg\u00e5ng<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:607.5347px; bottom:287.30328px;\">-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:15.735992px; bottom:278.4633px;\">arna. Den allra vanligaste v<span class=\"__10 _d_9\"/>\u00e4rderingsmetoden f\u00f6r private equity-fonder hos le<span class=\"__10 _471\"/>verant<span class=\"__10 _471\"/>\u00f6rer/f<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>valtare \u00f6v<span class=\"__10 _471\"/>erensst\u00e4mmer med anvisningarna i In<span class=\"__10 _d_9\"/>ternational Private Equity and V<span class=\"__10 _d_9\"/>enture </div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:15.735992px; bottom:269.6264px;\">Capital V<span class=\"__10 _d_9\"/>aluation (IPEV), som utf\u00e4rdats a<span class=\"__10 _471\"/>v Invest E<span class=\"__10 _d_9\"/>urope (tidigare kallad EVCA). Ungef<span class=\"__10 _471\"/>\u00e4r 40 procent a<span class=\"__10 _d_9\"/>v innehavet i private equity-f<span class=\"__10 _471\"/>onder justeras/v<span class=\"__10 _471\"/>\u00e4rderas int<span class=\"__10 _471\"/>ernt utifr\u00e5n IPEV<span class=\"__10 _d_9\"/>-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:15.735992px; bottom:260.78952px;\">anvisningarna. De redovisade v\u00e4r<span class=\"__10 _471\"/>dena f\u00f6r dessa ligger i in<span class=\"__10 _471\"/>tervallet 1 till 100 procen<span class=\"__10 _471\"/>t j\u00e4mf\u00f6rt med de v\u00e4r<span class=\"__10 _471\"/>den som erh\u00e5llits fr\u00e5n lever<span class=\"__10 _d_9\"/>ant\u00f6rer/f\u00f6rvaltar<span class=\"__10 _d_9\"/>e.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:4.2144775px; bottom:249.18546px;\">4)   <span class=\"__10 _2b_4\"/>Var<span class=\"__10 _471\"/>av 156 mn euro r<span class=\"__10 _471\"/>elateras till tillg\u00e5ngar i placeringsportf<span class=\"__10 _471\"/>\u00f6ljer och fondf<span class=\"__10 _471\"/>\u00f6rs\u00e4kringsavtal.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:215.83955px;\">T<span class=\"__10 _479\"/>abellerna ovan visar<span class=\"__10 _d_9\"/>, f\u00f6r v<span class=\"__10 _471\"/>arje tillg\u00e5ngs- och skuldklass som </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:202.31436px;\">h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>ts till niv\u00e5 3, det verkliga v\u00e4r<span class=\"__10 _d_9\"/>det<span class=\"__10 _c_9\"/>, v\u00e4rderingsmetoderna </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:188.78915px;\">som anv\u00e4n<span class=\"__10 _d_9\"/>ts f\u00f6r ber\u00e4kning a<span class=\"__10 _d_9\"/>v verkligt v\u00e4rde, v\u00e4sen<span class=\"__10 _d_9\"/>tliga ej </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:175.26396px;\">observerbara data s<span class=\"__10 _471\"/>om anv\u00e4n<span class=\"__10 _d_9\"/>ts i v\u00e4rderingsmodellerna samt </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:161.73875px;\">det verkliga v\u00e4r<span class=\"__10 _471\"/>dets k\u00e4nslighet f\u00f6r f<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringar i viktiga </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:148.21356px;\">antaganden.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:12.908623px; bottom:134.68835px;\">Kolumnen \u201din<span class=\"__10 _d_9\"/>ter<span class=\"__10 _c_9\"/>vall f<span class=\"__10 _d_9\"/>\u00f6r verklig v\u00e4rde\u201d i tabellen ov<span class=\"__10 _471\"/>an visar </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:121.16316px;\">k\u00e4nsligheten i verkligt v<span class=\"__10 _471\"/>\u00e4rde f<span class=\"__10 _471\"/>\u00f6r niv\u00e5 3-instrumen<span class=\"__10 _d_9\"/>t vid f\u00f6r\u00e4nd-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:107.637955px;\">ringar i viktiga an<span class=\"__10 _d_9\"/>taganden. N\u00e4r exponeringen f\u00f6r en ej obser-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:94.11276px;\">verbar parameter kvitt<span class=\"__10 _471\"/>as mellan olika instrumen<span class=\"__10 _471\"/>t redovisas </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:80.587555px;\"><span class=\"__10 _469\">endast nettoeff</span><span class=\"__10 _d_9\"/>ekten i tabellen. Redo<span class=\"__10 _471\"/>visat in<span class=\"__10 _471\"/>tervall \u00e4r sanno-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:67.062355px;\">likt s<span class=\"__10 _471\"/>t\u00f6rre \u00e4n den f<span class=\"__10 _d_9\"/>aktiska os\u00e4kerheten i verkligt v<span class=\"__10 _471\"/>\u00e4rde f<span class=\"__10 _471\"/>\u00f6r </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:53.537155px;\">dessa instrumen<span class=\"__10 _471\"/>t, eftersom det i praktiken \u00e4r osannolik<span class=\"__10 _d_9\"/>t att<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:215.88376px;\">alla ej observerbara parametr<span class=\"__10 _d_9\"/>ar samtidigt skulle vara i utkan-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:202.35857px;\">ten a<span class=\"__10 _471\"/>v sina intervall f<span class=\"__10 _d_9\"/>\u00f6r rimligt m\u00f6jliga alternativ<span class=\"__10 _d_9\"/>. Redovis-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:188.83336px;\">ningen \u00e4r varken f<span class=\"__10 _d_9\"/>\u00f6ruts\u00e4gande eller indikativ f\u00f6r fr<span class=\"__10 _d_9\"/>amtida f\u00f6r-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:175.30815px;\">\u00e4ndringar i verkligt v\u00e4r<span class=\"__10 _471\"/>de.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:333.50708px; bottom:161.78296px;\">Den redovisade k\u00e4nsligheten (in<span class=\"__10 _d_9\"/>tervallet) i verkligt v\u00e4rde </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:148.25775px;\">f\u00f6r deriv<span class=\"__10 _471\"/>at ber\u00e4knas enligt samma met<span class=\"__10 _471\"/>oder som vid redovis-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:134.73256px;\">ningen av ytt<span class=\"__10 _471\"/>erligare v\u00e4r<span class=\"__10 _471\"/>dejusteringar f<span class=\"__10 _d_9\"/>\u00f6r modellrisk och </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:121.20735px;\">marknadsprisos\u00e4kerhet enligt de\ufb01nitionen i kommissionens </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:107.68216px;\">delegerade f<span class=\"__10 _d_9\"/>\u00f6rordning (EU) 2016/101 av den 26 ok<span class=\"__10 _471\"/>tober 2015 </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:94.15696px;\">om komplettering a<span class=\"__10 _d_9\"/>v Europaparlamen<span class=\"__10 _d_9\"/>tets och r\u00e5dets f\u00f6ror<span class=\"__10 _471\"/>d-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:80.63176px;\">ning (EU) nr 575/2013 med avseende p\u00e5 tekniska tillsynss<span class=\"__10 _d_9\"/>tan-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:67.10656px;\">darder f<span class=\"__10 _471\"/>\u00f6r f\u00f6rsik<span class=\"__10 _d_9\"/>tig v\u00e4rdering enligt artikel 105(14).<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hd_9 ff4_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:986.27924px;\">K3.<span class=\"__10 _471\"/>4  Verkligt v\u00e4rde, f<span class=\"__10 _471\"/>orts.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h1_10 ff1_10 fs0_10 fc0_10 sc0_10 ls0_10 ws0_10\" style=\"left:0.01052475px; bottom:2.1012287px;\">134<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h2_10 ff2_10 fs1_9 fc0_10 sc0_10 ls0_10 ws1_10\" style=\"left:44.122643px; bottom:2.3449783px;\">NORDEA \u00c5RSREDOVISNING 2022<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h3_9 ff2_10 fs1_9 fc0_10 sc0_10 ls1_10 ws2_9\" style=\"left:48.323853px; bottom:1029.1447px;\">Inledning<span class=\"__10 _470\"> </span><span class=\"__10 _469\">Aff</span><span class=\"__10 _471\"/>\u00e4rsomr\u00e5den<span class=\"__10 _472\"/><span class=\"ws0_10\">V<span class=\"__10 _d_9\"/>\u00e5ra intressent<span class=\"__10 _471\"/>er<span class=\"__10 _473\"> </span><span class=\"ff1_10\">Finansiella rapporter<span class=\"__10 _474\"/><span class=\"ff2_10 ws2_9\">F\u00f6rvaltningsber\u00e4<span class=\"__10 _d_9\"/>ttelse<span class=\"__10 _f_9\"> </span>H\u00e5llbarhetsnoter<span class=\"__10 _476\"> </span>\u00d6vrigt<span class=\"__10 _477\"/><span class=\"ws0_10\">Strategisk r<span class=\"__10 _471\"/>apport<span class=\"__10 _469\"> </span></span></span></span></span></div><div class=\"t_10 m0_10 hd_9 ff4_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:986.27924px;\">K3.<span class=\"__10 _471\"/>4  Verkligt v\u00e4rde, f<span class=\"__10 _471\"/>orts.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:57.017998px; bottom:951.6515px;\">F\u00f6r a<span class=\"__10 _471\"/>tt ber\u00e4kna k\u00e4nsligheten (in<span class=\"__10 _d_9\"/>tervallet) i verkligt v\u00e4rde </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:938.12634px;\">f\u00f6r ak<span class=\"__10 _d_9\"/>tier och andelar och r\u00e4nteb\u00e4rande v<span class=\"__10 _d_9\"/>\u00e4rdepapper \u00f6kades </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:924.60114px;\">och minskades det verkliga v\u00e4r<span class=\"__10 _d_9\"/>det med 2\u201310 procentenhet<span class=\"__10 _471\"/>er<span class=\"__10 _d_9\"/>, </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:911.0759px;\">beroende p\u00e5 os\u00e4kerheten i v<span class=\"__10 _d_9\"/>\u00e4rderingen och underliggande </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:897.5507px;\">antaganden. St\u00f6rr<span class=\"__10 _d_9\"/>e intervall till\u00e4mpas p\u00e5 instrument med </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:884.0255px;\">st\u00f6rre os\u00e4k<span class=\"__10 _d_9\"/>erhet i v\u00e4rderingen j\u00e4mf\u00f6rt med ak<span class=\"__10 _d_9\"/>tivt handlade </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:870.5003px;\">instrument och underliggande os\u00e4k<span class=\"__10 _d_9\"/>erheter i individuella </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:856.9751px;\">antaganden.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 he_9 ff2_10 fs4_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:829.88947px;\">F\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndringar i uppskjutna dag 1-resulta<span class=\"__10 _471\"/>t<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:816.36053px;\">T<span class=\"__10 _479\"/>ransaktionspriset f<span class=\"__10 _d_9\"/>\u00f6r \ufb01nansiella instrument \u00f6ver<span class=\"__10 _471\"/>ensst\u00e4mmer </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:802.8353px;\">i vissa fall in<span class=\"__10 _d_9\"/>te med verkligt v\u00e4rde vid f<span class=\"__10 _471\"/>\u00f6rsta redo<span class=\"__10 _471\"/>visningstill-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:789.3101px;\">f\u00e4llet (<span class=\"__10 _471\"/>enligt anv\u00e4nd v<span class=\"__10 _d_9\"/>\u00e4rderingsmodell). Sk\u00e4let \u00e4r huvudsakli-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:775.7849px;\">gen att transak<span class=\"__10 _d_9\"/>tionspriset inte har kunna<span class=\"__10 _471\"/>t fas<span class=\"__10 _471\"/>tst\u00e4llas p\u00e5 en </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:762.2597px;\">aktiv marknad. Om v<span class=\"__10 _471\"/>\u00e4sentliga ej observerbar<span class=\"__10 _d_9\"/>a data anv\u00e4nds i </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:748.7345px;\">v\u00e4rderingsmetoden (niv<span class=\"__10 _d_9\"/>\u00e5 3) redovisas det \ufb01nansiella instru-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:735.2093px;\">mentet till tr<span class=\"__10 _d_9\"/>ansaktionspriset, och den eventuella skillnaden<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:951.67883px;\">mellan transak<span class=\"__10 _471\"/>tionspriset och det verkliga v\u00e4r<span class=\"__10 _d_9\"/>det vid f\u00f6rsta </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:938.1536px;\">redovisnings<span class=\"__10 _471\"/>tillf\u00e4llet, enligt anv\u00e4nd v<span class=\"__10 _471\"/>\u00e4rderingsmodell (dag </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:924.6284px;\">1-re<span class=\"__10 _471\"/>sultat), skjuts upp<span class=\"__10 _471\"/>. <span class=\"__10 _d_9\"/>T<span class=\"__10 _d_9\"/>abellen nedan visar den totala skillna<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:911.1032px;\">den som kvarst\u00e5r a<span class=\"__10 _471\"/>tt periodisera i re<span class=\"__10 _471\"/>sultatr<span class=\"__10 _d_9\"/>\u00e4kningen vid perio<span class=\"__10 _c_9\"/>-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:897.578px;\">dens b\u00f6rjan och slut. T<span class=\"__10 _e_9\"/>abellen visar ocks\u00e5 en avst\u00e4mning a<span class=\"__10 _d_9\"/>v </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:884.0528px;\">hur detta skillnadsbelopp har f\u00f6r<span class=\"__10 _d_9\"/>\u00e4ndrats under \u00e5ret (f\u00f6r<span class=\"__10 _d_9\"/>\u00e4nd-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:870.52765px;\">ring i uppskjutna dag 1-re<span class=\"__10 _471\"/>sultat).<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 he_9 ff2_10 fs4_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:843.4187px;\">Uppskjutna dag 1-r<span class=\"__10 _471\"/>esultat \u2013 deriv<span class=\"__10 _d_9\"/>at<span class=\"__10 _c_9\"/>, netto<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:369.88016px; bottom:826.88464px;\">Mn euro<span class=\"__10 _573\"> </span>2022<span class=\"__10 _538\"> </span>2021<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:369.88016px; bottom:809.7416px;\">Belopp vid \u00e5rets b\u00f6rjan<span class=\"__10 _ad_2\"> </span><span class=\"lse_8 ws14_9\">77<span class=\"__10 _b2_3\"> </span><span class=\"ls19_8 ws21_7\">73<span class=\"__10 _469\"> </span></span></span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:369.88016px; bottom:792.59717px;\">Uppskjutna resultat f<span class=\"__10 _d_9\"/>r\u00e5n nya transaktioner<span class=\"__10 _574\"> </span>58<span class=\"__10 _b2_3\"> </span>58<span class=\"__10 _469\"> </span></div><div class=\"t_10 m3_4 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:369.88016px; bottom:775.45526px;\">Redovisat i r<span class=\"__10 _d_9\"/><span class=\"__10 _469\">esultatr\u00e4kningen under \u00e5ret1<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls4_9 ws7_9\" style=\"left:608.2839px; bottom:775.45526px;\">-51<span class=\"__10 _bc_2\"> </span><span class=\"ls0_10 ws0_10\">-54<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:369.88016px; bottom:756.8366px;\">Belopp vid \u00e5rets slut<span class=\"__10 _f4_2\"> </span>84<span class=\"__10 _518\"> </span><span class=\"lse_8 ws14_9\">77<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m1_5 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws22_7\" style=\"left:369.88016px; bottom:737.18px;\">1) <span class=\"__10 _575\"> </span> V<span class=\"__10 _d_9\"/>arav </div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:399.96164px; bottom:737.18px;\">-6</div><div class=\"t_10 m1_5 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:407.0399px; bottom:737.18px;\"> mn euro (</div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:440.76566px; bottom:737.18px;\">-8</div><div class=\"t_10 m1_5 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:447.64758px; bottom:737.18px;\"> mn euro) relat<span class=\"__10 _471\"/>eras till \u00f6verf<span class=\"__10 _471\"/>\u00f6ring av deriva<span class=\"__10 _471\"/>tinstrument f<span class=\"__10 _471\"/>r\u00e5n niv\u00e5 3 </div><div class=\"t_10 m1_5 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:379.46115px; bottom:728.3431px;\">till niv\u00e5 2.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 he_9 ff2_10 fs4_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:340.36865px;\">Kassa och tillgodoha<span class=\"__10 _d_9\"/>vanden hos centr<span class=\"__10 _471\"/>albanker<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:326.83954px;\">V<span class=\"__10 _d_9\"/>\u00e4rdering till verkligt v\u00e4rde a<span class=\"__10 _d_9\"/>v kontant<span class=\"__10 _471\"/>a medel g\u00f6rs utifr\u00e5n </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:313.31433px;\">noter<span class=\"__10 _471\"/>ade priser (ojust<span class=\"__10 _471\"/>erade) p\u00e5 ak<span class=\"__10 _d_9\"/>tiva marknader f\u00f6r iden-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:299.78912px;\">tiska tillg\u00e5ngar och h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>s d\u00e4rf\u00f6r till niv\u00e5 1. <span class=\"__10 _479\"/>Tillgodohavan-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:286.26395px;\">den hos centr<span class=\"__10 _d_9\"/>albanker anses, till f\u00f6ljd a<span class=\"__10 _d_9\"/>v deras kortfristiga </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws4_9\" style=\"left:44.122643px; bottom:272.73874px;\">natur<span class=\"__10 _d_9\"/>, vara detsamma som k<span class=\"__10 _d_9\"/>ontanta medel och h\u00e4n<span class=\"__10 _471\"/>f\u00f6rs d\u00e4rf\u00f6r </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:259.21353px;\">ocks\u00e5 till niv\u00e5 1.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 he_9 ff2_10 fs4_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:232.13583px;\">Utl\u00e5ning<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:218.60674px;\">Det verkliga v\u00e4r<span class=\"__10 _471\"/>det p\u00e5 \u201dUtl\u00e5ning till centr<span class=\"__10 _d_9\"/>albanker<span class=\"__10 _1d_6\"/>\u201d<span class=\"__10 _479\"/>, \u201dUtl\u00e5ning </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:205.08154px;\">till kreditinstitut\u201d och \u201dUtl\u00e5ning till allm\u00e4nheten\u201d har ber\u00e4k<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:191.55634px;\">nats genom att disk<span class=\"__10 _471\"/>onter<span class=\"__10 _d_9\"/>a de f\u00f6rv\u00e4ntade fr<span class=\"__10 _d_9\"/>amtida kassafl\u00f6-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:178.03114px;\">dena med en antagen k<span class=\"__10 _471\"/>undr\u00e4n<span class=\"__10 _471\"/>ta som skulle ha an<span class=\"__10 _471\"/>v\u00e4n<span class=\"__10 _471\"/>ts p\u00e5 </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:164.50594px;\">marknaden om l\u00e5nen hade emittera<span class=\"__10 _471\"/>ts vid v\u00e4rderings<span class=\"__10 _471\"/>tidpunk-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:150.98074px;\">ten. Den antagna k<span class=\"__10 _d_9\"/>undr\u00e4ntan ber\u00e4knas som r<span class=\"__10 _d_9\"/>eferensr\u00e4n<span class=\"__10 _471\"/>tan </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:137.45554px;\">plus den genomsnittliga marginalen p\u00e5 nyutl\u00e5ning i P<span class=\"__10 _d_9\"/>ersonal </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:123.93034px;\">Banking, Business Banking respek<span class=\"__10 _d_9\"/>tive Large Corporat<span class=\"__10 _471\"/>es &amp; </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:110.405136px;\">Institutions.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:377.61646px; bottom:340.88605px;\">V<span class=\"__10 _d_9\"/>\u00e4rderingen till verkligt v\u00e4rde har h\u00e4n<span class=\"__10 _471\"/>f\u00f6rts till niv\u00e5 3 i hie-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:327.36084px;\">rarkin f<span class=\"__10 _471\"/>\u00f6r verkligt v\u00e4r<span class=\"__10 _d_9\"/>de.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 he_9 ff2_10 fs4_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:300.26883px;\">R\u00e4nteb\u00e4r<span class=\"__10 _d_9\"/>ande v\u00e4rdepapper<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:286.73975px;\">Det verkliga v\u00e4r<span class=\"__10 _471\"/><span class=\"__10 _469\">det uppg\u00e5r till 3 448 mn euro (3 560 mn </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:273.21454px;\">euro), v<span class=\"__10 _471\"/>ara<span class=\"__10 _d_9\"/><span class=\"__10 _469\">v 2 286 mn euro (2 154 mn euro) har h\u00e4nf</span><span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>ts till </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:259.68933px;\"><span class=\"__10 _469\">niv\u00e5 2 och 1 162 mn euro (1 406 mn eur</span><span class=\"__10 _471\"/>o) till niv\u00e5 3 i hier<span class=\"__10 _d_9\"/>arkin </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:246.16412px;\">f\u00f6r v<span class=\"__10 _471\"/>erkligt v\u00e4rde. V<span class=\"__10 _479\"/>\u00e4rderingsprinciperna \u00e4r desamma som f\u00f6r </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:232.63895px;\">liknande instrument s<span class=\"__10 _471\"/>om redovisas till v<span class=\"__10 _471\"/>erkligt v\u00e4rde i </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:219.11374px;\">balansr\u00e4kningen.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 he_9 ff2_10 fs4_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:192.03604px;\">\u00d6vriga tillg\u00e5ngar samt f<span class=\"__10 _d_9\"/>\u00f6rutbetalda </div><div class=\"t_10 m0_10 he_9 ff2_10 fs4_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:178.51083px;\">kostnader och upplupna in<span class=\"__10 _d_9\"/>t\u00e4kter<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:164.97784px;\">Balansposterna \u201d\u00d6vriga tillg\u00e5ngar\u201d och \u201dF\u00f6rutbetalda kostna<span class=\"__10 _471\"/>-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:151.45264px;\">der och upplupna int\u00e4k<span class=\"__10 _d_9\"/>ter<span class=\"__10 _c_9\"/>\u201d utg\u00f6rs av kortfristiga f<span class=\"__10 _d_9\"/>ordringar<span class=\"__10 _d_9\"/>. </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:137.92744px;\">Det verkliga v\u00e4r<span class=\"__10 _471\"/>det anses d\u00e4rf\u00f6r v<span class=\"__10 _471\"/>ara detsamma som det </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:124.40224px;\">redovisade v<span class=\"__10 _471\"/>\u00e4rdet och har h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>ts till niv\u00e5 3 i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:364.7211px; bottom:110.877045px;\">verkligt v\u00e4r<span class=\"__10 _471\"/>de.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h6_9 ff1_10 fs4_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:44.122643px; bottom:676.6285px;\">Finansiella tillg\u00e5ngar och skulder som int<span class=\"__10 _d_9\"/>e redovisas till verkligt v\u00e4rde i balansr<span class=\"__10 _d_9\"/>\u00e4kningen<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:377.61646px; bottom:647.0944px;\">31 dec 2022<span class=\"__10 _d4_3\"> </span>31 dec 2021<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:611.425px;\">Mn euro<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:357.7431px; bottom:621.175px;\">Redovisat </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:372.0912px; bottom:611.425px;\">v\u00e4rde<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:430.2675px; bottom:621.175px;\">V<span class=\"__10 _471\"/>erkligt <span class=\"__10 _2b_4\"/> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:438.6525px; bottom:611.425px;\">v\u00e4rde<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:488.92352px; bottom:621.175px;\">Redovisat </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:504.24268px; bottom:611.425px;\">v\u00e4rde<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:560.77386px; bottom:621.175px;\">V<span class=\"__10 _471\"/>erkligt <span class=\"__10 _2b_4\"/> </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:569.5144px; bottom:611.425px;\">v\u00e4rde<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:610.22906px; bottom:630.925px;\">Niv\u00e5 i hierarkin </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:624.9867px; bottom:621.175px;\">f\u00f6r verkligt </div><div class=\"t_10 m0_10 h9_9 ff1_10 fs6_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:642.2949px; bottom:611.425px;\"><span class=\"__10 _469\">v\u00e4rde2<span class=\"__10 _469\"> </span></span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:590.5982px;\">Tillg\u00e5ngar som inte r<span class=\"__10 _471\"/>edovisas till verkligt v\u00e4r<span class=\"__10 _471\"/>de i balansr\u00e4kningen<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:573.45386px;\">Kassa och tillgodoha<span class=\"__10 _471\"/>vanden hos cen<span class=\"__10 _471\"/>tralbanker<span class=\"__10 _566\"> </span>61 815<span class=\"__10 _8c_2\"> </span>61 815<span class=\"__10 _3e_4\"> </span>47 495<span class=\"__10 _537\"> </span>47 495<span class=\"__10 _576\"> </span>1<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:556.30945px;\">Utl\u00e5ning<span class=\"__10 _577\"> </span>275 837<span class=\"__10 _548\"> </span>276 984<span class=\"__10 _a2_2\"> </span>271 605<span class=\"__10 _b2_3\"> </span>273 610<span class=\"__10 _d0_2\"> </span>3<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:539.16504px;\">R\u00e4nteb\u00e4r<span class=\"__10 _471\"/>ande v\u00e4rdepapper<span class=\"__10 _578\"> </span>3 660<span class=\"__10 _555\"> </span>3 448<span class=\"__10 _555\"> </span>3 448<span class=\"__10 _521\"> </span>3 560<span class=\"__10 _b9_3\"> </span>2,3<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:522.0206px;\">\u00d6vriga tillg\u00e5ngar<span class=\"__10 _579\"> </span>2 261<span class=\"__10 _c0_3\"> </span>2 261<span class=\"__10 _10a_2\"> </span> 829<span class=\"__10 _b3_2\"> </span> 829<span class=\"__10 _10b_2\"> </span>3<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:504.87622px;\">F\u00f6rutbetalda k<span class=\"__10 _471\"/>ostnader och upplupna int<span class=\"__10 _471\"/>\u00e4kter<span class=\"__10 _10c_2\"> </span>475<span class=\"__10 _d7_2\"> </span>475<span class=\"__10 _507\"> </span> 609<span class=\"__10 _507\"> </span> 609<span class=\"__10 _10b_2\"> </span>3<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:487.7318px;\">Summa<span class=\"__10 _577\"> </span>344 048<span class=\"__10 _be_3\"> </span>344 983<span class=\"__10 _547\"> </span>32<span class=\"__10 _c_9\"/>3 986<span class=\"__10 _b2_3\"> </span>326 103<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:466.90192px;\">Skulder som int<span class=\"__10 _471\"/>e redovisas till verkligt v<span class=\"__10 _471\"/>\u00e4rde i balansr\u00e4kningen<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:449.75754px;\">Inl\u00e5ning och skuldinstrumen<span class=\"__10 _471\"/>t<span class=\"__10 _10d_2\"> </span>364 951<span class=\"__10 _545\"> </span>364 961<span class=\"__10 _498\"> </span>352 117<span class=\"__10 _547\"> </span>35<span class=\"__10 _c_9\"/>2 809<span class=\"__10 _10b_2\"> </span>3<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:432.61313px;\"><span class=\"__10 _469\">\u00d6vriga skulder1</span><span class=\"__10 _10e_2\"> </span>4 145<span class=\"__10 _3f_4\"> </span>4 145<span class=\"__10 _1c_6\"> </span>3 160<span class=\"__10 _3f_4\"> </span>3 160<span class=\"__10 _10b_2\"> </span>3<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hb_9 ff2_10 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:415.46872px;\">Upplupna kostnader och f<span class=\"__10 _d_9\"/>\u00f6rutbetalda int\u00e4kter<span class=\"__10 _f4_2\"> </span>7<span class=\"__10 _3a_5\"> </span>7<span class=\"__10 _9e_2\"> </span> 8<span class=\"__10 _10f_2\"> </span> 8<span class=\"__10 _10b_2\"> </span>3<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 ha_9 ff3_9 fs0_10 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:398.32434px;\">Summa<span class=\"__10 _580\"> </span>369 103<span class=\"__10 _518\"> </span>369 113<span class=\"__10 _545\"> </span>355 285<span class=\"__10 _b2_3\"> </span>355 977<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:378.68082px;\">1)  Leasingskulder presen<span class=\"__10 _471\"/>terade p\u00e5 raden \u201d\u00d6vriga skul<span class=\"__10 _471\"/>der<span class=\"__10 _c_9\"/>\u201d i not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d \u00e4r e<span class=\"__10 _d_9\"/>xkluderade i denna tabell.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 hc_9 ff2_10 fs7_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:48.323853px; bottom:367.07675px;\">2)  A<span class=\"__10 _d_9\"/>vser b\u00e5de 31 december 2022 och 31 december 2021.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 he_9 ff2_10 fs4_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:192.1109px;\">Inl\u00e5ning och skuldinstrumen<span class=\"__10 _d_9\"/>t<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:178.58185px;\">Det verkliga v\u00e4r<span class=\"__10 _471\"/>det p\u00e5 balansr\u00e4kningspost<span class=\"__10 _471\"/>erna \u201dSkulder till </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:165.05664px;\">kreditinstitut\u201d<span class=\"__10 _d_9\"/>, \u201dIn- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten\u201d<span class=\"__10 _479\"/>, \u201dEmit-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:151.53143px;\">terade v<span class=\"__10 _471\"/>\u00e4rdepapper<span class=\"__10 _c_9\"/>\u201d och \u201dEfterst\u00e4llda sk<span class=\"__10 _471\"/>ulder<span class=\"__10 _c_9\"/>\u201d har ber\u00e4knats </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:138.00623px;\">som det redovisade v<span class=\"__10 _d_9\"/>\u00e4rdet justerat f<span class=\"__10 _d_9\"/>\u00f6r f\u00f6r\u00e4ndringar i verkligt </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:124.48102px;\">v\u00e4rde g\u00e4llande r<span class=\"__10 _471\"/>\u00e4nterisk och egen kr<span class=\"__10 _d_9\"/>editrisk<span class=\"__10 _c_9\"/>. Det verkliga v\u00e4r-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:110.95581px;\">det har h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6r<span class=\"__10 _c_9\"/>ts till niv\u00e5 3 i hierarkin f<span class=\"__10 _d_9\"/>\u00f6r verkligt v\u00e4rde. F<span class=\"__10 _471\"/>\u00f6r-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:97.4306px;\">\u00e4ndringarna i verkligt v\u00e4r<span class=\"__10 _471\"/>de h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6rliga till r\u00e4nterisk baseras </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:83.905396px;\">p\u00e5 f\u00f6r<span class=\"__10 _471\"/>\u00e4ndringar i ber\u00f6rda r<span class=\"__10 _471\"/>\u00e4ntor j\u00e4m<span class=\"__10 _d_9\"/>f\u00f6rt med motsvarande </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:70.38019px;\">nominell r\u00e4n<span class=\"__10 _471\"/>ta i portf\u00f6ljerna. F<span class=\"__10 _d_9\"/>\u00f6r\u00e4ndringarna i verkligt v\u00e4rde </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:56.85504px;\">h\u00e4nf<span class=\"__10 _d_9\"/>\u00f6rliga till kreditrisk ber\u00e4knas som skillnaden mellan kre-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:43.329834px;\">ditspreaden i de nominella r\u00e4n<span class=\"__10 _d_9\"/>torna och aktuell kreditspread </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:29.804626px;\">p\u00e5 marknaden. Ber\u00e4kningen utf<span class=\"__10 _471\"/>\u00f6rs p\u00e5 aggregerad niv\u00e5 f<span class=\"__10 _d_9\"/>\u00f6r all </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:16.279419px;\">l\u00e5ngfristig uppl\u00e5ning som r<span class=\"__10 _471\"/>edovisas under balanspost<span class=\"__10 _471\"/>erna </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:0.013267517px; bottom:2.7542114px;\">\u201dEmitterade v<span class=\"__10 _471\"/>\u00e4rdepapper<span class=\"__10 _c_9\"/>\u201d och \u201dEfterst\u00e4llda sk<span class=\"__10 _471\"/>ulder<span class=\"__10 _c_9\"/>\u201d<span class=\"__10 _d_9\"/>. Efter-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:192.6485px;\">som den avt<span class=\"__10 _471\"/>alade l\u00f6ptiden \u00e4r kort f<span class=\"__10 _471\"/>\u00f6r \u201dSkulder till kredit-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:179.12329px;\">institut\u201d och \u201dIn- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten\u201d an<span class=\"__10 _471\"/>tas f\u00f6r-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:165.59808px;\">\u00e4ndringarna i Nordeas egen kreditrisk h\u00e4n<span class=\"__10 _471\"/>f\u00f6rliga till dessa </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:152.07288px;\">poster v<span class=\"__10 _471\"/>ara obetydliga. Detsamma g\u00e4ller k<span class=\"__10 _471\"/>ortfristig uppl\u00e5ning </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:138.54767px;\">som redovisas under balanspos<span class=\"__10 _471\"/>terna \u201dEmitterade v<span class=\"__10 _d_9\"/>\u00e4rdepap-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:125.02246px;\">per<span class=\"__10 _c_9\"/>\u201d och \u201dEfterst\u00e4llda skulder\u201d<span class=\"__10 _d_9\"/>.<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 he_9 ff2_10 fs4_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:97.894714px;\">\u00d6vriga skulder sam<span class=\"__10 _471\"/>t upplupna kostnader </div><div class=\"t_10 m0_10 he_9 ff2_10 fs4_9 fc3_6 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:84.36951px;\">och f\u00f6rutbetalda in<span class=\"__10 _d_9\"/>t\u00e4kter<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:70.836365px;\">Balansposterna \u201d\u00d6vriga skul<span class=\"__10 _471\"/>der<span class=\"__10 _c_9\"/>\u201d och \u201dUpplupna kostnader </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:57.31122px;\">och f\u00f6rutbetalda in<span class=\"__10 _d_9\"/>t\u00e4kter<span class=\"__10 _c_9\"/>\u201d utg\u00f6rs av k<span class=\"__10 _471\"/>ortfristiga skulder<span class=\"__10 _479\"/>, </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:43.78601px;\">huvudsakligen relater<span class=\"__10 _d_9\"/>ade till handlade v\u00e4rdepapper som </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:30.260803px;\">\u00e4nnu inte r<span class=\"__10 _471\"/>eglerats. Det v<span class=\"__10 _d_9\"/>erkliga v\u00e4rdet anses d\u00e4rf\u00f6r var<span class=\"__10 _d_9\"/>a det-<span class=\"__10 _469\"> </span></div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:16.735596px;\">samma som det redovisade v<span class=\"__10 _d_9\"/>\u00e4rdet och har h\u00e4nf\u00f6rts till niv\u00e5 3 </div><div class=\"t_10 m0_10 h7_9 ff2_10 fs5_9 fc2_8 sc0_10 ls0_10 ws0_10\" style=\"left:320.61172px; bottom:3.2103882px;\">i hierarkin f<span class=\"__10 _471\"/>\u00f6r verkligt v\u00e4r<span class=\"__10 _d_9\"/>de.<span class=\"__10 _469\"> </span></div><div class=\"t_11 m0_11 h4_10 ff1_11 fs2_10 fc0_11 sc0_11 ls1_11 ws4_10\" style=\"left:0.013267517px; bottom:853.1703px;\">K5.3 F<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _625\"/>astigheter<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h5_10 ff1_11 fs3_10 fc1_10 sc0_11 ls1_11 ws3_10\" style=\"left:7.383362px; bottom:826.1134px;\">Redovisningsprinciper<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:801.5291px;\">En f\u00f6rvaltningsf<span class=\"__11 _617\"/>astighet \u00e4r en f<span class=\"__11 _617\"/>astighet (mark ell<span class=\"__11 _617\"/>er byggnad </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:788.0039px;\">\u2013 eller delar av b<span class=\"__11 _617\"/>yggnad \u2013 eller b\u00e5da) som innehas i syfte att </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:774.4787px;\">generera h<span class=\"__11 _617\"/>yresinkoms<span class=\"__11 _617\"/>ter och/<span class=\"__11 _617\"/>eller v\u00e4r<span class=\"__11 _617\"/>destegring, och all<span class=\"__11 _617\"/>ts\u00e5 </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:760.9535px;\">inte f<span class=\"__11 _617\"/>\u00f6r eget utnyttjande i den or<span class=\"__11 _617\"/>dinarie verksamheten. </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:12.908623px; bottom:747.4283px;\">F\u00f6rvaltningsf<span class=\"__11 _617\"/>as<span class=\"__11 _617\"/>tigheter redovisas i balansr<span class=\"__11 _617\"/>\u00e4kningen n\u00e4r </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:733.9031px;\">det \u00e4r sannolikt a<span class=\"__11 _617\"/>tt de fram<span class=\"__11 _617\"/>tida ekonomiska f<span class=\"__11 _617\"/>\u00f6rdelarna tillf<span class=\"__11 _617\"/>al-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:720.37787px;\">ler Nordea och kostnaderna f<span class=\"__11 _617\"/>\u00f6r f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheten kan </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:706.8527px;\">ber\u00e4knas p\u00e5 ett tillf<span class=\"__11 _617\"/>\u00f6rlitligt s\u00e4tt.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:12.908623px; bottom:693.3275px;\">En f\u00f6rvaltningsf<span class=\"__11 _617\"/>astighet v<span class=\"__11 _617\"/>\u00e4rder<span class=\"__11 _617\"/>as vid f\u00f6rsta r<span class=\"__11 _617\"/>edovisnings-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:679.8023px;\">tillf\u00e4llet till anska<span class=\"__11 _617\"/><span class=\"__11 _624\">ffningsv\u00e4r</span><span class=\"__11 _617\"/>det, inklusive transak<span class=\"__11 _617\"/>tionskostna<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:666.2771px;\">der<span class=\"__11 _625\"/><span class=\"__11 _624\">. Anskaffningsv\u00e4r</span><span class=\"__11 _617\"/>det f\u00f6r en f<span class=\"__11 _617\"/>\u00f6rv\u00e4rvad f<span class=\"__11 _617\"/>\u00f6rvaltningsfas<span class=\"__11 _617\"/>tighet </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:652.7519px;\">utg\u00f6rs av k<span class=\"__11 _617\"/>\u00f6peskilling och kostnader dir<span class=\"__11 _617\"/>ekt h\u00e4n<span class=\"__11 _617\"/>f\u00f6rliga till </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:639.2267px;\">k\u00f6pet. Exempel p\u00e5 kostnader dir<span class=\"__11 _617\"/>ekt h\u00e4n<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>\u00f6rliga till k\u00f6pet \u00e4r </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:625.7015px;\">arvoden f\u00f6r juridiska tj\u00e4ns<span class=\"__11 _617\"/>ter<span class=\"__11 _625\"/>, st\u00e4mpelskatter och \u00f6vriga </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:612.1763px;\">transak<span class=\"__11 _617\"/>tionskostnader<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:12.908623px; bottom:598.6511px;\">Nordea anv<span class=\"__11 _617\"/>\u00e4nder verkligt v\u00e4r<span class=\"__11 _617\"/>de-modellen f\u00f6r v<span class=\"__11 _617\"/>\u00e4rdering a<span class=\"__11 _617\"/>v </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:585.1259px;\">f\u00f6rvaltningsf<span class=\"__11 _617\"/>astighet<span class=\"__11 _617\"/>er<span class=\"__11 _625\"/>. B\u00e4sta beviset p\u00e5 verkligt v\u00e4r<span class=\"__11 _617\"/>de \u00e4r </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:571.6007px;\">normalt noter<span class=\"__11 _617\"/>ade priser p\u00e5 en ak<span class=\"__11 _617\"/>tiv marknad f\u00f6r liknande </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:558.0755px;\">fas<span class=\"__11 _617\"/>tigheter med samma l\u00e4ge och i samma skick. D\u00e5 noterade </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:544.5503px;\">priser p\u00e5 en aktiv marknad o<span class=\"__11 _617\"/>ftast saknas, anv<span class=\"__11 _617\"/>\u00e4nds \u00e4<span class=\"__11 _617\"/>ven </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:531.0251px;\">modeller baserade p\u00e5 diskon<span class=\"__11 _617\"/>ter<span class=\"__11 _617\"/>ade kassafl\u00f6desprognoser </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:517.4999px;\">som bygger p\u00e5 tillf<span class=\"__11 _617\"/>\u00f6rlitliga uppskattningar a<span class=\"__11 _625\"/>v framtida kassa<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:503.97467px;\">fl\u00f6den. V<span class=\"__11 _617\"/>\u00e4rderingen till v<span class=\"__11 _617\"/>erkligt v\u00e4rde a<span class=\"__11 _617\"/>v f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astighe-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:490.44946px;\">ter tar h\u00e4nsyn till en marknadsak<span class=\"__11 _617\"/>t\u00f6rs f\u00f6rm\u00e5ga a<span class=\"__11 _617\"/>tt generera </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:476.92432px;\">ekonomiska f<span class=\"__11 _617\"/>\u00f6rdelar genom att an<span class=\"__11 _617\"/>v\u00e4nda f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astig-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:463.3991px;\">heterna p\u00e5 det maximala och b\u00e4sta s\u00e4<span class=\"__11 _617\"/>ttet, det vill s\u00e4ga tar </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:449.8739px;\">h\u00e4nsyn till den anv\u00e4ndning a<span class=\"__11 _617\"/>v f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheterna som </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:436.3487px;\">\u00e4r fysiskt m\u00f6jlig, lagligen till\u00e5<span class=\"__11 _617\"/>ten och \ufb01nansiellt genom<span class=\"__11 _617\"/>f\u00f6rbar<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:12.908623px; bottom:422.8235px;\">Driftsnetto, rea<span class=\"__11 _617\"/>vins<span class=\"__11 _617\"/>ter och reaf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter liksom just<span class=\"__11 _617\"/>eringar </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:409.29828px;\">till verkligt v\u00e4r<span class=\"__11 _617\"/>de redovisas direk<span class=\"__11 _617\"/>t i re<span class=\"__11 _617\"/>sultatr<span class=\"__11 _617\"/>\u00e4kningen som </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:395.77307px;\">\u201dNettoresult<span class=\"__11 _617\"/>at a<span class=\"__11 _617\"/>v poster till v<span class=\"__11 _617\"/>erkligt v\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:12.908623px; bottom:382.2479px;\">F\u00f6rvaltningsf<span class=\"__11 _617\"/>as<span class=\"__11 _617\"/>tigheter v\u00e4rder<span class=\"__11 _617\"/>as till verkligt v<span class=\"__11 _617\"/>\u00e4rde utifr<span class=\"__11 _617\"/>\u00e5n </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:368.7227px;\">de tre niv\u00e5erna i IFRS-hier<span class=\"__11 _617\"/>arkin f\u00f6r v<span class=\"__11 _617\"/>erkligt v\u00e4rde. Hier<span class=\"__11 _617\"/>arkin </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:355.19748px;\">ger h\u00f6gst prioritet till not<span class=\"__11 _617\"/>erade priser (<span class=\"__11 _617\"/>ojuster<span class=\"__11 _617\"/>ade) p\u00e5 ak<span class=\"__11 _617\"/>tiva </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:341.6723px;\">marknader f\u00f6r iden<span class=\"__11 _617\"/>tiska f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheter (niv\u00e5 1) och </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:328.1471px;\">l\u00e4gst prioritet till ej observerbar indat<span class=\"__11 _617\"/>a (niv\u00e5 3). Klassi\ufb01ce-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:314.6219px;\">ringen av f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astighet<span class=\"__11 _617\"/>erna baseras p\u00e5 den l\u00e4gst<span class=\"__11 _617\"/>a </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:301.09668px;\">niv\u00e5 indata s<span class=\"__11 _617\"/>om \u00e4r v\u00e4sen<span class=\"__11 _617\"/>tlig f\u00f6r v<span class=\"__11 _617\"/>erkligt v\u00e4rde-v<span class=\"__11 _617\"/>\u00e4rderingen i </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:287.5715px;\">sin helhet.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:12.908623px; bottom:274.0463px;\">F\u00f6r ytt<span class=\"__11 _617\"/>erligare inf<span class=\"__11 _617\"/>ormation om uppska<span class=\"__11 _617\"/>ttning a<span class=\"__11 _617\"/>v verkligt </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:260.5211px;\">v\u00e4rde och v<span class=\"__11 _617\"/>erkligt v\u00e4rde-hier<span class=\"__11 _617\"/>arkin, se not K3.4 \u201dV<span class=\"__11 _625\"/>erkligt </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:246.99588px;\">v\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span> </div><div class=\"t_11 m0_11 h5_10 ff1_11 fs3_10 fc1_10 sc0_11 ls1_11 ws3_10\" style=\"left:7.383362px; bottom:206.25143px;\">Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__11 _617\"/>ttningar<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:181.66711px;\">F\u00f6rvaltningsf<span class=\"__11 _617\"/>as<span class=\"__11 _617\"/>tigheter v\u00e4rder<span class=\"__11 _617\"/>as till verkligt v<span class=\"__11 _617\"/>\u00e4rde. Eftersom </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:168.14194px;\">det normalt int<span class=\"__11 _617\"/>e \ufb01nns n\u00e5gra ak<span class=\"__11 _617\"/>tiva marknader f<span class=\"__11 _617\"/>\u00f6r f\u00f6rval<span class=\"__11 _617\"/>t-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:154.61673px;\">ningsfas<span class=\"__11 _617\"/>tigheter estimer<span class=\"__11 _617\"/>as verkligt v\u00e4r<span class=\"__11 _617\"/>de med hj\u00e4lp av </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:141.09152px;\">modeller baserade p\u00e5 diskon<span class=\"__11 _617\"/>ter<span class=\"__11 _617\"/>ade kassafl\u00f6den. Dessa </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:127.56633px;\">modeller bygger p\u00e5 an<span class=\"__11 _617\"/>taganden om fr<span class=\"__11 _617\"/>amtida h<span class=\"__11 _617\"/>yror<span class=\"__11 _625\"/>, bel\u00e4gg-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:114.04112px;\">ning, drifts- och underh\u00e5llskostnader<span class=\"__11 _625\"/>, avkastningskr<span class=\"__11 _617\"/>a<span class=\"__11 _617\"/>v och </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:100.51593px;\">r\u00e4n<span class=\"__11 _617\"/>teniv\u00e5er<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:12.908623px; bottom:86.99072px;\">Det redovisade v<span class=\"__11 _617\"/>\u00e4rdet p\u00e5 f<span class=\"__11 _617\"/>\u00f6rvaltningsfas<span class=\"__11 _617\"/>tigheter uppgick </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:73.46553px;\"><span class=\"__11 _624\">vid \u00e5rets slut till 3 146 mn eur</span><span class=\"__11 _617\"/>o (2 366 mn euro).<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h8_10 ff1_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:856.6122px;\">F\u00f6rval<span class=\"__11 _617\"/>tningsf<span class=\"__11 _617\"/>astigheter<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:325.77078px; bottom:839.83124px;\">Mn euro<span class=\"__11 _8c_3\"> </span>31 dec 2022<span class=\"__11 _8d_3\"> </span>31 dec 2021<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:325.77078px; bottom:822.68805px;\">Redovisat v<span class=\"__11 _617\"/>\u00e4rde vid \u00e5rets b\u00f6rjan<span class=\"__11 _732\"> </span><span class=\"ls0_11 ws0_11\">1 764<span class=\"__11 _5a_3\"> </span></span>1 535<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:325.77078px; bottom:805.54364px;\">Ink\u00f6p<span class=\"__11 _733\"> </span>735<span class=\"__11 _684\"> </span>280<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:325.77078px; bottom:788.39923px;\">F\u00f6rs\u00e4ljningar<span class=\"__11 _662\"> </span>-9<span class=\"__11 _a7_4\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:325.77078px; bottom:771.2548px;\">Justeringar till verkligt v<span class=\"__11 _617\"/>\u00e4rde<span class=\"__11 _734\"> </span><span class=\"ls0_11 ws0_11\">57<span class=\"__11 _692\"> </span></span>133<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:325.77078px; bottom:754.1104px;\">\u00d6verf\u00f6ringar<span class=\"__11 _617\"/>/<span class=\"__11 _617\"/>omklassi\ufb01ceringar<span class=\"__11 _677\"> </span><span class=\"ls0_11 ws0_11\">-12<span class=\"__11 _648\"> </span></span>-204<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:325.77078px; bottom:736.966px;\"><span class=\"__11 _624\">Omr\u00e4kningsdiff</span><span class=\"__11 _617\"/>erenser<span class=\"__11 _681\"> </span>-80<span class=\"__11 _735\"> </span>22<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:325.77078px; bottom:719.8216px;\">Redovisa<span class=\"__11 _617\"/>t v\u00e4rde vid \u00e5rets sl<span class=\"__11 _617\"/>ut<span class=\"__11 _736\"> </span>2 455<span class=\"__11 _646\"> </span><span class=\"ls0_11 ws0_11\">1<span class=\"__11 _626\"/> 764<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h8_10 ff1_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:693.34125px;\">Belopp redovisade i re<span class=\"__11 _617\"/>sulta<span class=\"__11 _617\"/>tr\u00e4kningen<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hf_10 ff1_11 fsa_8 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:520.6435px; bottom:696.10376px;\">1<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:325.77078px; bottom:676.80725px;\">Mn euro<span class=\"__11 _11a_4\"> </span>2022<span class=\"__11 _b3_3\"> </span>2021<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:325.77078px; bottom:659.6641px;\">Justeringar till verkligt v<span class=\"__11 _617\"/><span class=\"__11 _624\">\u00e4rde2</span><span class=\"__11 _715\"> </span><span class=\"lsd_9 ws14_10\">-76<span class=\"__11 _702\"> </span><span class=\"ls0_11 ws0_11\">1<span class=\"__11 _626\"/>51<span class=\"__11 _624\"> </span></span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:325.77078px; bottom:642.5197px;\">Hyresint\u00e4k<span class=\"__11 _617\"/>ter<span class=\"__11 _11b_4\"> </span>63<span class=\"__11 _694\"> </span>59<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:325.77078px; bottom:625.3753px;\">Direkta r<span class=\"__11 _617\"/>\u00f6relsekos<span class=\"__11 _617\"/>tnader som generera<span class=\"__11 _617\"/>t </div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:325.77078px; bottom:614.32794px;\">hyresin<span class=\"__11 _617\"/>t\u00e4kter<span class=\"__11 _a0_3\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _626\"/>8<span class=\"__11 _634\"> </span><span class=\"ls0_11 ws0_11\">-1<span class=\"__11 _626\"/>2<span class=\"__11 _624\"> </span></span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:325.77078px; bottom:597.18353px;\">Direkta r<span class=\"__11 _617\"/>\u00f6relsekos<span class=\"__11 _617\"/>tnader som inte gener<span class=\"__11 _617\"/>erat </div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:325.77078px; bottom:586.1361px;\">hyresin<span class=\"__11 _617\"/>t\u00e4kter<span class=\"__11 _cf_3\"> </span>0<span class=\"__11 _a5_4\"> </span><span class=\"lsd_9 ws14_10\">-7<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:325.77078px; bottom:568.9917px;\">Summa <span class=\"__11 _11c_4\"> </span>-41<span class=\"__11 _692\"> </span>191<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hc_10 ff2_11 fs7_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:325.77078px; bottom:549.3335px;\">1)  Ing\u00e5r i \u201dNettoresultat a<span class=\"__11 _617\"/>v poster till verkligt v<span class=\"__11 _617\"/>\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hc_10 ff2_11 fs7_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:325.77078px; bottom:537.72943px;\">2)   <span class=\"__11 _e4_3\"/>Innefattar \u00e4<span class=\"__11 _617\"/>ven justeringar till verkligt v<span class=\"__11 _617\"/>\u00e4rde av f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheter som redovisas </div><div class=\"t_11 m0_11 hc_10 ff2_11 fs7_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:335.3519px; bottom:528.8926px;\">som \u201dTillg\u00e5ngar och inl\u00e5ning i placeringsportf\u00f6ljer och fondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal\u201d i </div><div class=\"t_11 m0_11 hc_10 ff2_11 fs7_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:335.3519px; bottom:520.05566px;\">balansr\u00e4kningen.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h5_10 ff1_11 fs3_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:484.6624px;\">Klassi\ufb01cering enligt hierarkin f<span class=\"__11 _617\"/>\u00f6r verkligt v<span class=\"__11 _617\"/>\u00e4rde<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:471.1333px;\">Alla f\u00f6rvaltningsf<span class=\"__11 _617\"/>astighet<span class=\"__11 _617\"/>er i Nordea h\u00e4nf<span class=\"__11 _617\"/>\u00f6rs till niv\u00e5 3 i hie-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:457.6081px;\">rarkin f<span class=\"__11 _617\"/>\u00f6r verkligt v\u00e4r<span class=\"__11 _617\"/>de. Det verkliga v\u00e4r<span class=\"__11 _617\"/>det p\u00e5 dessa f\u00f6rval<span class=\"__11 _617\"/>t-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:444.0829px;\">ningsfas<span class=\"__11 _617\"/>tigheter redovisas i t<span class=\"__11 _617\"/>abellen nedan.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:325.77078px; bottom:414.01196px;\">Niv\u00e5 3 \u2013 V<span class=\"__11 _617\"/>erkligt v\u00e4rde p\u00e5 </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:325.77078px; bottom:404.26196px;\">f\u00f6rvaltningsf<span class=\"__11 _617\"/><span class=\"__11 _624\">astigheter1, mn euro  </span></div><div class=\"t_11 m1_6 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:520.6435px; bottom:404.26196px;\">31 dec 2022<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:579.9945px; bottom:404.26196px;\">31 dec 2021<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:325.77078px; bottom:387.11887px;\">F\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheter<span class=\"__11 _11d_4\"> </span>2 455<span class=\"__11 _6c_3\"> </span><span class=\"ls0_11 ws0_11\">1<span class=\"__11 _626\"/> 764<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:325.77078px; bottom:369.97446px;\">- vara<span class=\"__11 _617\"/>v Life &amp; P<span class=\"__11 _617\"/>ension<span class=\"__11 _11e_4\"> </span>2 454<span class=\"__11 _692\"> </span>1 763<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:325.77078px; bottom:352.83008px;\">F\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheter i </div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:325.77078px; bottom:341.78265px;\">placeringsportf\u00f6ljer och </div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:325.77078px; bottom:330.73526px;\">fondf<span class=\"__11 _617\"/><span class=\"__11 _624\">\u00f6rs\u00e4kringsavtal2</span><span class=\"__11 _711\"> </span>691<span class=\"__11 _727\"> </span>602<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:325.77078px; bottom:313.59085px;\">- vara<span class=\"__11 _617\"/>v Life &amp; P<span class=\"__11 _617\"/>ension<span class=\"__11 _688\"> </span>691<span class=\"__11 _a7_4\"> </span>602<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:325.77078px; bottom:296.44647px;\">Summa<span class=\"__11 _10d_3\"> </span>3 146<span class=\"__11 _684\"> </span>2 366<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hc_10 ff2_11 fs7_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:325.77078px; bottom:276.78824px;\">1)  Samtliga poster v\u00e4r<span class=\"__11 _617\"/>deras till verkligt v\u00e4r<span class=\"__11 _617\"/>de vid slutet av v<span class=\"__11 _617\"/>arje rapportperiod.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hc_10 ff2_11 fs7_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:325.77078px; bottom:265.1842px;\">2) F\u00f6r ytterligare in<span class=\"__11 _617\"/>formation, s<span class=\"__11 _617\"/>e not K3.<span class=\"__11 _617\"/>11 \u201dTillg\u00e5ngar och inl\u00e5ning i placeringsportf<span class=\"__11 _617\"/>\u00f6ljer </div><div class=\"t_11 m0_11 hc_10 ff2_11 fs7_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:335.3519px; bottom:256.34732px;\">och fondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h5_10 ff1_11 fs3_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:232.72656px;\">F<span class=\"__11 _617\"/>astst\u00e4llande a<span class=\"__11 _625\"/>v verkligt v\u00e4rde<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:219.19748px;\">Vid v\u00e4rderingen a<span class=\"__11 _617\"/>v f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheterna tas ocks\u00e5 h\u00e4n-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:205.67227px;\">syn till fas<span class=\"__11 _617\"/>tighetens syfte och art genom att till\u00e4mpa den </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:192.14706px;\">l\u00e4mpligaste v<span class=\"__11 _617\"/>\u00e4rderingsmetoden. Den vanligas<span class=\"__11 _617\"/>te v\u00e4r<span class=\"__11 _617\"/>derings-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:178.62189px;\">metoden \u00e4r en modell f\u00f6r disk<span class=\"__11 _617\"/>ont<span class=\"__11 _617\"/>erat kassa<span class=\"__11 _617\"/>fl\u00f6de som anv<span class=\"__11 _617\"/>\u00e4n-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:165.09668px;\">der aktuella kassa<span class=\"__11 _617\"/>fl\u00f6den, marknadsr\u00e4n<span class=\"__11 _617\"/>tor och aktuell a<span class=\"__11 _625\"/>vkast-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:151.57147px;\">ning. V<span class=\"__11 _617\"/>erkligt v\u00e4r<span class=\"__11 _617\"/>de ber\u00e4knas a<span class=\"__11 _617\"/>v<span class=\"__11 _625\"/>, eller parametrarna i model-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:138.04626px;\">lerna erh\u00e5lls fr\u00e5n, e<span class=\"__11 _617\"/>xterna ober<span class=\"__11 _617\"/>oende v\u00e4rderingspersoner f<span class=\"__11 _617\"/>\u00f6r </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:124.52107px;\">7<span class=\"__11 _625\"/><span class=\"__11 _624\">4 procent (84 procen</span><span class=\"__11 _617\"/>t) a<span class=\"__11 _617\"/>v det verkliga v<span class=\"__11 _617\"/>\u00e4rdet f<span class=\"__11 _617\"/>\u00f6r f\u00f6rval<span class=\"__11 _617\"/>t-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:110.99588px;\">ningsfas<span class=\"__11 _617\"/>tigheter i balansr\u00e4kningen.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h5_10 ff1_11 fs3_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:83.90648px;\">F<span class=\"__11 _617\"/>\u00f6r\u00e4ndringar i niv\u00e5 3<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:70.37738px;\">T<span class=\"__11 _625\"/>abellerna nedan visar f\u00f6r<span class=\"__11 _617\"/>\u00e4ndringar i niv\u00e5 3. Orealiser<span class=\"__11 _617\"/>ade vin-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:56.852173px;\">ster och f<span class=\"__11 _617\"/>\u00f6rlust<span class=\"__11 _617\"/>er avs<span class=\"__11 _617\"/>er de f\u00f6rvaltningsf<span class=\"__11 _617\"/>as<span class=\"__11 _617\"/>tigheter som inne-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:43.32698px;\">hades vid utg\u00e5ngen a<span class=\"__11 _617\"/>v \u00e5ret. Vinster och f<span class=\"__11 _617\"/>\u00f6rluster r<span class=\"__11 _617\"/>edovisade i </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:29.801773px;\">resulta<span class=\"__11 _617\"/>tr\u00e4kningen under \u00e5ret ing\u00e5r i  <span class=\"__11 _eb_3\"/>post<span class=\"__11 _617\"/>en \u201dNettoresul<span class=\"__11 _617\"/>tat a<span class=\"__11 _617\"/>v </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:16.276566px;\">poster till verkligt v<span class=\"__11 _617\"/>\u00e4rde\u201d (se no<span class=\"__11 _617\"/>t K2.4 \u201dSumma nettoresul<span class=\"__11 _617\"/>tat </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:2.7513733px;\">av pos<span class=\"__11 _617\"/>ter till verkligt v<span class=\"__11 _617\"/>\u00e4rde\u201d).<span class=\"__11 _624\"> </span></div>Vinster och f\u00f6rl<span class=\"__11 _617\"/>uster<span class=\"__11 _624\"> </span>som redovisats i resulta<span class=\"__11 _617\"/>tr\u00e4kningen<span class=\"__11 _624\"> </span>under \u00e5ret<span class=\"__11 _624\"> </span>Redo-<span class=\"__11 _624\"> </span>visat <span class=\"__11 _e4_3\"/> i \u00f6vrigt<span class=\"__11 _624\"> </span>total-<span class=\"__11 _624\"> </span>1 jan<span class=\"__11 _624\"> </span>2021<span class=\"__11 _624\"> </span>Rea-<span class=\"ls1_11 ws3_10\"> </span>liserade<span class=\"__11 _624\"> </span>Orea-<span class=\"__11 _624\"> </span>liserade<span class=\"__11 _624\"> </span>K\u00f6p/<span class=\"__11 _624\"> </span>emissioner<span class=\"__11 _624\"> </span>F\u00f6rs\u00e4lj-<span class=\"__11 _624\"> </span>ningar<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vr\u00e4k<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>ningar<span class=\"__11 _617\"/>/ <span class=\"__11 _e4_3\"/> likvider<span class=\"__11 _624\"> </span>Omklassi-<span class=\"__11 _624\"> </span><span class=\"__11 _624\">\ufb01ceringar2<span class=\"__11 _624\"> </span></span>Om-<span class=\"__11 _624\"> </span>r\u00e4knings-<span class=\"__11 _624\"> </span><span class=\"__11 _624\">diffe-<span class=\"__11 _624\"> </span></span>renser<span class=\"__11 _624\"> </span>31 dec<span class=\"__11 _624\"> </span>2021<span class=\"__11 _624\"> </span>F\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheter<span class=\"__11 _737\"> </span>1 535<span class=\"__11 _3b_5\"> </span>120<span class=\"__11 _b1_3\"> </span>1<span class=\"__11 _6a_3\"> </span>\u2013<span class=\"__11 _713\"> </span>293<span class=\"__11 _738\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _6a_3\"> </span></span>\u2013<span class=\"__11 _671\"> </span>-205<span class=\"__11 _709\"> </span>22<span class=\"__11 _669\"> </span><span class=\"ls0_11 ws0_11\">1 76<span class=\"__11 _626\"/>4<span class=\"__11 _624\"> </span></span>- vara<span class=\"__11 _617\"/>v Life &amp; P<span class=\"__11 _617\"/>ension<span class=\"__11 _673\"> </span>1 534<span class=\"__11 _3b_5\"> </span>120<span class=\"__11 _d9_3\"> </span>1<span class=\"__11 _6a_3\"> </span>\u2013<span class=\"__11 _713\"> </span>292<span class=\"__11 _6a_3\"> </span>\u2013<span class=\"__11 _6a_3\"> </span>\u2013<span class=\"__11 _671\"> </span>-205<span class=\"__11 _686\"> </span>21<span class=\"__11 _739\"> </span>1 763<span class=\"__11 _624\"> </span>F\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheter i<span class=\"__11 _624\"> </span>placeringsportf\u00f6ljer och<span class=\"__11 _624\"> </span>fondf<span class=\"__11 _617\"/><span class=\"__11 _624\">\u00f6rs\u00e4kringsavtal1</span><span class=\"__11 _732\"> </span>361<span class=\"__11 _653\"> </span>13<span class=\"__11 _735\"> </span>18<span class=\"__11 _6a_3\"> </span>\u2013<span class=\"__11 _e_10\"> </span>8<span class=\"__11 _684\"> </span>\u2013<span class=\"__11 _6a_3\"> </span>\u2013<span class=\"__11 _650\"> </span>203<span class=\"__11 _b1_3\"> </span><span class=\"ls0_11 ws0_11\">-1<span class=\"__11 _5e_3\"> </span></span>602<span class=\"__11 _624\"> </span>- vara<span class=\"__11 _617\"/>v Life &amp; P<span class=\"__11 _617\"/>ension<span class=\"__11 _740\"> </span>361<span class=\"__11 _653\"> </span>13<span class=\"__11 _661\"> </span>18<span class=\"__11 _6a_3\"> </span>\u2013<span class=\"__11 _741\"> </span>8<span class=\"__11 _6a_3\"> </span>\u2013<span class=\"__11 _684\"> </span>\u2013<span class=\"__11 _650\"> </span>203<span class=\"__11 _741\"> </span><span class=\"ls0_11 ws0_11\">-1<span class=\"__11 _5e_3\"> </span></span>602<span class=\"__11 _624\"> </span>1)  F\u00f6r ytterligare in<span class=\"__11 _617\"/>formation, se no<span class=\"__11 _617\"/>t K3.<span class=\"__11 _617\"/>11 \u201dTillg\u00e5ngar och inl\u00e5ning i placeringsportf\u00f6ljer och f<span class=\"__11 _617\"/>ondf\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>2)  Omklassi\ufb01cering fr\u00e5n/till balansr\u00e4kningsr<span class=\"__11 _617\"/>aden \u201dMateriella tillg\u00e5ngar\u201d (se not K5.2 \u201dMateriella tillg\u00e5ngar<span class=\"__11 _626\"/>\u201d) p\u00e5 grund av f\u00f6r<span class=\"__11 _617\"/>\u00e4ndrad anv\u00e4ndning a<span class=\"__11 _617\"/>v fas<span class=\"__11 _617\"/>tigheter<span class=\"__11 _617\"/>.<span class=\"__11 _624\"> </span>Processen f<span class=\"__11 _617\"/>\u00f6r v\u00e4r<span class=\"__11 _617\"/>dering till verkligt v<span class=\"__11 _617\"/>\u00e4rde<span class=\"__11 _624\"> </span>Huvuddelen av f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astighet<span class=\"__11 _617\"/>erna i Nordea innehas a<span class=\"__11 _617\"/>v<span class=\"__11 _624\"> </span>Life &amp; P<span class=\"__11 _617\"/>ension. F<span class=\"__11 _617\"/>\u00f6rvaltningsfas<span class=\"__11 _617\"/>tigheterna v\u00e4r<span class=\"__11 _617\"/>deras en g\u00e5ng i<span class=\"__11 _624\"> </span>kvartalet av f<span class=\"__11 _617\"/>as<span class=\"__11 _617\"/>tighetsav<span class=\"__11 _617\"/>delningarna i respek<span class=\"__11 _617\"/>tive bolag inom<span class=\"__11 _624\"> </span>Life &amp; P<span class=\"__11 _617\"/>ension, och arbetet utf<span class=\"__11 _617\"/>\u00f6rs helt eller delvis a<span class=\"__11 _617\"/>v e<span class=\"__11 _617\"/>xterna<span class=\"__11 _624\"> </span>v\u00e4rder<span class=\"__11 _617\"/>are. F<span class=\"__11 _617\"/>\u00f6r f\u00f6rval<span class=\"__11 _617\"/>tningsfas<span class=\"__11 _617\"/>tigheter d\u00e4r a<span class=\"__11 _617\"/>vdelningarna<span class=\"__11 _624\"> </span>anv\u00e4nder sig a<span class=\"__11 _617\"/>v sina egna metoder<span class=\"__11 _625\"/>, j\u00e4mf<span class=\"__11 _617\"/>\u00f6rs fastighet<span class=\"__11 _617\"/>ernas<span class=\"__11 _624\"> </span>v\u00e4rdef<span class=\"__11 _617\"/>\u00f6r\u00e4ndringar med v<span class=\"__11 _617\"/>\u00e4rderingar gjorda f<span class=\"__11 _617\"/>\u00f6r liknande f<span class=\"__11 _617\"/>ast-<span class=\"__11 _624\"> </span>igheter a<span class=\"__11 _617\"/>v ext<span class=\"__11 _617\"/>erna v\u00e4rder<span class=\"__11 _617\"/>are. V<span class=\"__11 _625\"/>\u00e4rderingen presenter<span class=\"__11 _617\"/>as f\u00f6r<span class=\"__11 _625\"/>,<span class=\"__11 _624\"> </span>och godk\u00e4nns av<span class=\"__11 _625\"/>, ledningen i respek<span class=\"__11 _617\"/>tive bolag. Finansdirek<span class=\"__11 _617\"/>t\u00f6-<span class=\"__11 _624\"> </span>ren i vart och ett a<span class=\"__11 _617\"/>v bolagen inom Life &amp; P<span class=\"__11 _617\"/>ension godk\u00e4nner<span class=\"__11 _624\"> </span>de till\u00e4mpade metoderna och ansvar<span class=\"__11 _617\"/>ar f\u00f6r de v<span class=\"__11 _617\"/>\u00e4rden som<span class=\"__11 _624\"> </span>anv\u00e4nds. Principerna som till\u00e4mpas i sam<span class=\"__11 _617\"/>tliga bolag \u00f6v<span class=\"__11 _617\"/>erens-<span class=\"__11 _624\"> </span>st\u00e4mmer med de nationella tillsynsm<span class=\"__11 _617\"/>yndigheternas best<span class=\"__11 _617\"/>\u00e4m-<span class=\"__11 _624\"> </span>melser<span class=\"__11 _625\"/>, som i sin tur \u00f6verensst\u00e4mmer med in<span class=\"__11 _617\"/>ternationella v<span class=\"__11 _617\"/>\u00e4r-<span class=\"__11 _624\"> </span>deringsprinciper och IFRS.<span class=\"__11 _624\"> </span>Dessutom \ufb01nns en Inv<span class=\"__11 _617\"/>estmen<span class=\"__11 _617\"/>t Operation Committ<span class=\"__11 _617\"/>ee (IOC),<span class=\"__11 _624\"> </span>som \u00e4r ett gemensamt f<span class=\"__11 _617\"/>orum f<span class=\"__11 _617\"/>\u00f6r fr\u00e5gor s<span class=\"__11 _617\"/>om r\u00f6r v\u00e4r<span class=\"__11 _617\"/>dering och<span class=\"__11 _624\"> </span>redovisning a<span class=\"__11 _617\"/>v inv<span class=\"__11 _617\"/>esteringsv<span class=\"__11 _617\"/>erksamheten i Lif<span class=\"__11 _617\"/>e &amp; Pension.<span class=\"__11 _624\"> </span>Bolagen inom Life &amp; P<span class=\"__11 _617\"/>ension rapporterar r<span class=\"__11 _617\"/>egelbundet till IOC.<span class=\"__11 _624\"> </span>F\u00f6rvaltningsf<span class=\"__11 _617\"/>as<span class=\"__11 _617\"/>tigheterna i Life &amp; P<span class=\"__11 _617\"/>ension funger<span class=\"__11 _617\"/>ar som<span class=\"__11 _624\"> </span>skuldt\u00e4ckning gen<span class=\"__11 _617\"/>temot f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringstagarna i liv- och f<span class=\"__11 _617\"/>ondf<span class=\"__11 _617\"/>\u00f6r-<span class=\"__11 _624\"> </span>s\u00e4kringsavtal sam<span class=\"__11 _617\"/>t i \ufb01nansiella a<span class=\"__11 _617\"/><span class=\"__11 _624\">vtal. Det inneb\u00e4r att eff</span><span class=\"__11 _617\"/>ekt<span class=\"__11 _617\"/>en<span class=\"__11 _624\"> </span>p\u00e5 Nordeas result<span class=\"__11 _617\"/>atr\u00e4kning och eget kapit<span class=\"__11 _617\"/>al beror p\u00e5 resul<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>tatstruk<span class=\"__11 _617\"/>turen i de portf<span class=\"__11 _617\"/>\u00f6ljer med kontr<span class=\"__11 _617\"/>ak<span class=\"__11 _617\"/>t som inves<span class=\"__11 _617\"/>tering-<span class=\"__11 _624\"> </span>arna st\u00e5r mot.<span class=\"__11 _624\"> </span>Vinster och f\u00f6rl<span class=\"__11 _617\"/>uster<span class=\"__11 _624\"> </span>som redovisats i resulta<span class=\"__11 _617\"/>tr\u00e4kningen<span class=\"__11 _624\"> </span>under \u00e5ret<span class=\"__11 _624\"> </span>2022, mn euro<span class=\"__11 _624\"> </span>1 jan<span class=\"__11 _624\"> </span>2022<span class=\"__11 _624\"> </span>Rea-<span class=\"ls1_11 ws3_10\"> </span>liserade<span class=\"__11 _624\"> </span>Orea-<span class=\"__11 _624\"> </span>liserade<span class=\"__11 _624\"> </span>Redo-<span class=\"__11 _624\"> </span>visat <span class=\"__11 _e4_3\"/> i \u00f6vrigt<span class=\"__11 _624\"> </span>total-<span class=\"__11 _624\"> </span>resulta<span class=\"__11 _617\"/>t<span class=\"__11 _624\"> </span>K\u00f6p/<span class=\"__11 _624\"> </span>emissioner<span class=\"__11 _624\"> </span>F\u00f6rs\u00e4lj-<span class=\"__11 _624\"> </span>ningar<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vr\u00e4k<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>ningar<span class=\"__11 _617\"/>/ <span class=\"__11 _e4_3\"/> likvider<span class=\"__11 _624\"> </span>Omklassi-<span class=\"__11 _624\"> </span><span class=\"__11 _624\">\ufb01ceringar2<span class=\"__11 _624\"> </span></span>Om-<span class=\"__11 _624\"> </span>r\u00e4knings-<span class=\"__11 _624\"> </span><span class=\"__11 _624\">diffe-<span class=\"__11 _624\"> </span></span>renser<span class=\"__11 _624\"> </span>31 dec<span class=\"__11 _624\"> </span>2022<span class=\"__11 _624\"> </span>F\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheter<span class=\"__11 _d3_3\"> </span><span class=\"ls0_11 ws0_11\">1 76<span class=\"__11 _626\"/>4<span class=\"__11 _2b_5\"> </span></span>-38<span class=\"__11 _a7_4\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _6a_3\"> </span></span>\u2013<span class=\"__11 _6c_3\"> </span>904<span class=\"__11 _656\"> </span>-9<span class=\"__11 _684\"> </span>\u2013<span class=\"__11 _6d_3\"> </span>-104<span class=\"__11 _641\"> </span>-60<span class=\"__11 _742\"> </span>2 455<span class=\"__11 _624\"> </span>- vara<span class=\"__11 _617\"/>v Life &amp; P<span class=\"__11 _617\"/>ension<span class=\"__11 _673\"> </span>1 763<span class=\"__11 _2b_5\"> </span>-38<span class=\"__11 _a7_4\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _6a_3\"> </span></span>\u2013<span class=\"__11 _6c_3\"> </span>904<span class=\"__11 _656\"> </span>-9<span class=\"__11 _684\"> </span>\u2013<span class=\"__11 _6d_3\"> </span>-104<span class=\"__11 _641\"> </span>-60<span class=\"__11 _743\"> </span>2 454<span class=\"__11 _624\"> </span>F\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheter i<span class=\"__11 _624\"> </span>placeringsportf\u00f6ljer och<span class=\"__11 _624\"> </span>fondf<span class=\"__11 _617\"/><span class=\"__11 _624\">\u00f6rs\u00e4kringsavtal1</span><span class=\"__11 _676\"> </span>602<span class=\"__11 _691\"> </span><span class=\"ls0_11 ws0_11\">-18<span class=\"__11 _a5_4\"> </span><span class=\"lsd_9 ws14_10\">-7<span class=\"__11 _6a_3\"> </span></span></span>\u2013<span class=\"__11 _b5_4\"> </span>45<span class=\"__11 _6a_3\"> </span>\u2013<span class=\"__11 _684\"> </span>\u2013<span class=\"__11 _8a_3\"> </span>80<span class=\"__11 _a5_4\"> </span><span class=\"ls0_11 ws0_11\">-11<span class=\"__11 _4f_3\"> </span></span>691<span class=\"__11 _624\"> </span>- vara<span class=\"__11 _617\"/>v Life &amp; P<span class=\"__11 _617\"/>ension<span class=\"__11 _744\"> </span>602<span class=\"__11 _712\"> </span><span class=\"ls0_11 ws0_11\">-18<span class=\"__11 _a5_4\"> </span><span class=\"lsd_9 ws14_10\">-7<span class=\"__11 _6a_3\"> </span></span></span>\u2013<span class=\"__11 _b5_4\"> </span>45<span class=\"__11 _6a_3\"> </span>\u2013<span class=\"__11 _6a_3\"> </span>\u2013<span class=\"__11 _745\"> </span>80<span class=\"__11 _a5_4\"> </span><span class=\"ls0_11 ws0_11\">-11<span class=\"__11 _746\"> </span></span>691<span class=\"__11 _624\"> </span>V<span class=\"__11 _617\"/>\u00e4rderingsmetoder och inda<span class=\"__11 _617\"/>ta som anv<span class=\"__11 _617\"/>\u00e4nds vid v\u00e4rderingen till v<span class=\"__11 _617\"/>erkligt v\u00e4rde i niv<span class=\"__11 _617\"/>\u00e5 3<span class=\"__11 _624\"> </span>31 dec 2022, mn euro<span class=\"__11 _624\"> </span>V<span class=\"__11 _617\"/>erkligt<span class=\"__11 _624\"> </span><span class=\"__11 _624\">v\u00e4rde1<span class=\"__11 _624\"> </span></span>V<span class=\"__11 _617\"/>ara<span class=\"__11 _617\"/>v Life &amp;<span class=\"__11 _624\"> </span>Pension<span class=\"__11 _8d_3\"> </span><span class=\"ws20_8\"> V<span class=\"__11 _617\"/>\u00e4rderingmetoder<span class=\"__11 _e7_3\"> </span><span class=\"ws3_10\">Ej observerbara indata<span class=\"__11 _624\"> </span></span></span>Intervall f<span class=\"__11 _617\"/>\u00f6r ej<span class=\"__11 _624\"> </span>observerbara data V\u00e4gt genomsnitt f<span class=\"__11 _617\"/>\u00f6r ej<span class=\"__11 _624\"> </span>observerbara data<span class=\"__11 _624\"> </span>Norge<span class=\"__11 _705\"> </span>946<span class=\"__11 _727\"> </span>946<span class=\"__11 _5b_3\"> </span>Diskonter<span class=\"__11 _617\"/>ade kassafl\u00f6den<span class=\"__11 _7c_3\"> </span>Marknadshyra<span class=\"__11 _624\"> </span>- Kommersiella<span class=\"__11 _a8_4\"> </span>119<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11\">138 EUR/m<span class=\"__11 _624\"> </span></span>2<span class=\"__11 _624\"> </span>122 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _cd_3\"> </span>111<span class=\"fs5_10\">\u2013</span><span class=\"__11 _624\">405 EUR/m2</span><span class=\"__11 _b7_4\"> </span>240 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>- \u00d6vriga<span class=\"__11 _624\"> </span>119\u2013<span class=\"fs0_11\"><span class=\"__11 _624\">390 EUR/m2</span><span class=\"__11 _e1_3\"> </span>309 EUR/m<span class=\"__11 _624\"> </span></span>2<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vkastningskr<span class=\"__11 _617\"/>av<span class=\"__11 _624\"> </span>- Kommersiella<span class=\"__11 _12a_2\"> </span>6,00 %\u2013<span class=\"fs0_11\">6,00 %<span class=\"__11 _731\"> </span>6,0 %<span class=\"__11 _624\"> </span></span>- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _624\"> </span>3,75 %\u2013<span class=\"fs0_11\">6,00 %<span class=\"__11 _12b_2\"> </span>4,5 %<span class=\"__11 _624\"> </span></span>- \u00d6vriga<span class=\"__11 _12c_2\"> </span>3,75 %\u2013<span class=\"fs0_11\">6,00 %<span class=\"__11 _731\"> </span>4,0 %<span class=\"__11 _624\"> </span></span><span class=\"__11 _624\">Finland2</span><span class=\"__11 _c9_4\"> </span>1 054<span class=\"__11 _653\"> </span>1  054<span class=\"__11 _5b_3\"> </span>Diskonterade kassafl\u00f6den<span class=\"__11 _7c_3\"> </span>Marknadshyra<span class=\"__11 _624\"> </span>- Kommersiella<span class=\"__11 _1d_7\"> </span>138<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11\">285 EUR/m<span class=\"__11 _624\"> </span></span>2<span class=\"__11 _624\"> </span>212 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _12d_2\"> </span>123<span class=\"fs5_10\">\u2013</span>528 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>326 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>- L\u00e4genheter<span class=\"__11 _ab_3\"> </span>192<span class=\"fs5_10\">\u2013</span>294 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>243 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>- \u00d6vriga<span class=\"__11 _ce_4\"> </span>100<span class=\"fs5_10\">\u2013</span>264 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>182 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vkastningskr<span class=\"__11 _617\"/>av<span class=\"__11 _624\"> </span>- Kommersiella<span class=\"__11 _639\"> </span>4,50 %<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11\">7<span class=\"__11 _625\"/>,00 %<span class=\"__11 _12b_2\"> </span>5,9 %<span class=\"__11 _624\"> </span></span>- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _705\"> </span>3,40 %<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11\">10,50 %<span class=\"__11 _12e_2\"> </span>7<span class=\"__11 _625\"/>,0 %<span class=\"__11 _624\"> </span></span>- L\u00e4genheter<span class=\"__11 _4c_3\"> </span>3,<span class=\"__11 _617\"/>15 %\u2013<span class=\"fs0_11\">4,75 %<span class=\"__11 _731\"> </span>4,0 %<span class=\"__11 _624\"> </span></span>- \u00d6vriga<span class=\"__11 _12f_2\"> </span>4,50 %\u2013<span class=\"fs0_11\">8,50 %<span class=\"__11 _12b_2\"> </span>6,5 %<span class=\"__11 _624\"> </span></span>Sverige<span class=\"__11 _c8_4\"> </span>333<span class=\"__11 _a5_4\"> </span>333<span class=\"__11 _5b_3\"> </span>Diskonter<span class=\"__11 _617\"/>ade kassafl\u00f6den<span class=\"__11 _7c_3\"> </span>Marknadshyra<span class=\"__11 _624\"> </span>- Kommersiella<span class=\"__11 _696\"> </span>70<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11\">205 EUR/m<span class=\"__11 _624\"> </span></span>2<span class=\"__11 _624\"> </span>118 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _c8_4\"> </span><span class=\"ls9_10 wse_10\">252</span><span class=\"fs5_10\">\u2013</span>317 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>276 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>- L\u00e4genheter<span class=\"__11 _747\"> </span><span class=\"ls0_11 ws0_11\">173<span class=\"__11 _626\"/></span><span class=\"fs5_10\">\u2013</span>179 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>176 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vkastningskr<span class=\"__11 _617\"/>av<span class=\"__11 _624\"> </span>- Kommersiella<span class=\"__11 _747\"> </span>4,50 %<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11\">6,<span class=\"__11 _617\"/>15 %<span class=\"__11 _12b_2\"> </span>5,2 %<span class=\"__11 _624\"> </span></span>- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _748\"> </span>4,05 %\u2013<span class=\"fs0_11\">4,90 %<span class=\"__11 _12b_2\"> </span>4,5 %<span class=\"__11 _624\"> </span></span>- L\u00e4genheter<span class=\"__11 _d3_3\"> </span>3,80 %\u2013<span class=\"fs0_11\">3,91 %<span class=\"__11 _731\"> </span>3,<span class=\"__11 _626\"/>8 %<span class=\"__11 _624\"> </span></span>Danmark<span class=\"__11 _12b_2\"> </span>812<span class=\"__11 _645\"> </span>812<span class=\"__11 _4b_3\"> </span>Diskonterade kassafl\u00f6den<span class=\"__11 _7c_3\"> </span>Marknadshyra<span class=\"__11 _624\"> </span>- Kommersiella<span class=\"__11 _6f_3\"> </span>54<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11\">54 EUR/m<span class=\"__11 _624\"> </span></span>2<span class=\"__11 _624\"> </span>54 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _749\"> </span>111<span class=\"fs5_10\">\u2013</span>222 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>135 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>- L\u00e4genheter<span class=\"__11 _750\"> </span><span class=\"ls0_11 ws0_11\">141</span><span class=\"fs5_10\">\u2013</span>205 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>161 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vkastningskr<span class=\"__11 _617\"/>av<span class=\"__11 _624\"> </span>- Kommersiella<span class=\"__11 _b0_3\"> </span>7,00 %\u2013<span class=\"fs0_11\">7<span class=\"__11 _625\"/>,00 %<span class=\"__11 _12e_2\"> </span>7,0 %<span class=\"__11 _624\"> </span></span>- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _12f_2\"> </span>4,00 %<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11\">6,75 %<span class=\"__11 _731\"> </span>4,9 %<span class=\"__11 _624\"> </span></span>- L\u00e4genheter<span class=\"__11 _d3_3\"> </span>3,50 %\u2013<span class=\"fs0_11\">4,75 %<span class=\"__11 _731\"> </span>3,9 %<span class=\"__11 _624\"> </span></span>\u00d6vriga<span class=\"__11 _751\"> </span>1<span class=\"__11 _c2_4\"> </span>\u2013<span class=\"__11 _5b_3\"> </span>Diskonterade kassafl\u00f6den<span class=\"__11 _7c_3\"> </span>\u2013<span class=\"__11 _752\"> </span>\u2013<span class=\"__11 _12c_2\"> </span>\u2013<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _725\"> </span>3 146<span class=\"__11 _6c_3\"> </span>3 145<span class=\"__11 _624\"> </span>1)   <span class=\"__11 _e4_3\"/>F\u00f6rdelning baserad p\u00e5 de v<span class=\"__11 _617\"/>\u00e4rderingsmetoder som anv\u00e4nds i olik<span class=\"__11 _617\"/>a l\u00e4nder<span class=\"__11 _617\"/>.<span class=\"__11 _624\"> </span>2)   <span class=\"__11 _e4_3\"/>Var<span class=\"__11 _617\"/>av 691 mn euro r<span class=\"__11 _617\"/>elateras till tillg\u00e5ngar i placeringsportf<span class=\"__11 _617\"/>\u00f6ljer och fondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal i Lif<span class=\"__11 _617\"/>e &amp; Pension. F\u00f6r mer in<span class=\"__11 _617\"/>forma<span class=\"__11 _617\"/>tion se not K3.<span class=\"__11 _625\"/>11 \u201dTillg\u00e5ngar och inl\u00e5ning i placerings-<span class=\"__11 _624\"> </span>portf\u00f6ljer och fondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span><div class=\"t_11 m0_11 h8_10 ff1_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:635.989px;\">V<span class=\"__11 _617\"/>\u00e4rderingsmetoder och inda<span class=\"__11 _617\"/>ta som anv<span class=\"__11 _617\"/>\u00e4nds vid v\u00e4rderingen till v<span class=\"__11 _617\"/>erkligt v\u00e4rde i niv<span class=\"__11 _617\"/>\u00e5 3<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:619.455px;\">31 dec 2021,  </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:609.705px;\">mn euro<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:106.33832px; bottom:619.455px;\">V<span class=\"__11 _617\"/>erkligt </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:112.430115px; bottom:609.705px;\"><span class=\"__11 _624\">v\u00e4rde1<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:150.77492px; bottom:619.455px;\">V<span class=\"__11 _617\"/>ara<span class=\"__11 _617\"/>v Life &amp; </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:165.43892px; bottom:609.705px;\">Pension<span class=\"__11 _8d_3\"> </span><span class=\"ws20_8\"> V<span class=\"__11 _617\"/>\u00e4rderingmetoder<span class=\"__11 _e7_3\"> </span><span class=\"ws3_10\">Ej observerbara indata<span class=\"__11 _624\"> </span></span></span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:467.8449px; bottom:619.455px;\">Intervall f<span class=\"__11 _617\"/>\u00f6r ej </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:452.85474px; bottom:609.705px;\">observerbara data </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:536.4396px; bottom:619.455px;\"> V\u00e4gt genomsnitt f<span class=\"__11 _617\"/>\u00f6r ej </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:553.1925px; bottom:609.705px;\">observerbara data </div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:592.56177px;\">Norge<span class=\"__11 _690\"> </span>991<span class=\"__11 _a5_4\"> </span>991<span class=\"__11 _5b_3\"> </span>Diskonterade k<span class=\"__11 _617\"/>assafl\u00f6den<span class=\"__11 _7c_3\"> </span>Marknadshyra<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:333.5133px; bottom:575.41736px;\">- Kommersiella<span class=\"__11 _b9_4\"> </span>120</div><div class=\"t_11 m0_11 ha_10 ff2_11 fs5_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:465.2674px; bottom:575.41864px;\">\u2013<span class=\"fs0_11\">140 EUR/m<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:516.9523px; bottom:577.69366px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:572.0742px; bottom:575.41864px;\">124 EUR/m<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:618.0828px; bottom:577.69366px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:333.5133px; bottom:558.2756px;\">- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _673\"> </span>108<span class=\"fs5_10\">\u2013</span><span class=\"__11 _624\">403 EUR/m2</span><span class=\"__11 _b7_4\"> </span>250 EUR/m<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:618.0828px; bottom:560.55054px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:333.5133px; bottom:541.13245px;\">- \u00d6vriga<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:454.31232px; bottom:539.65826px;\">115</div><div class=\"t_11 m0_11 ha_10 ff2_11 fs5_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:466.33484px; bottom:539.6585px;\">\u2013<span class=\"fs0_11\"><span class=\"__11 _624\">314 EUR/m2</span><span class=\"__11 _c5_4\"> </span>229 EUR/m<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:618.0828px; bottom:541.93353px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:333.5133px; bottom:522.5153px;\">A<span class=\"__11 _617\"/>vkastningskr<span class=\"__11 _617\"/>av<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:333.5133px; bottom:505.3709px;\">- Kommersiella<span class=\"__11 _b0_3\"> </span>5,<span class=\"__11 _626\"/>25 %<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs5_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:488.71735px; bottom:505.3722px;\">\u2013<span class=\"fs0_11\">5,25 %<span class=\"__11 _c9_4\"> </span>5.25 %<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:333.5133px; bottom:486.7536px;\">- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:462.07294px; bottom:488.22778px;\">3,25 %</div><div class=\"t_11 m0_11 ha_10 ff2_11 fs5_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:487.01093px; bottom:488.22906px;\">\u2013<span class=\"fs0_11\">4,90 %<span class=\"__11 _731\"> </span>4,0 %<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:333.5133px; bottom:469.61047px;\">- \u00d6vriga<span class=\"__11 _753\"> </span>3,60 %<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs5_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:490.0896px; bottom:469.61206px;\">\u2013<span class=\"fs0_11 ls11_9 ws18_9\">7,<span class=\"__11 _708\"/>2<span class=\"__11 _626\"/>5<span class=\"__11 _708\"/> %<span class=\"__11 _12b_2\"> </span></span><span class=\"fs0_11\">4,0 %<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:450.99347px;\"><span class=\"__11 _624\">Finland2</span><span class=\"__11 _737\"> </span>1 041<span class=\"__11 _692\"> </span>1 041<span class=\"__11 _4b_3\"> </span>Diskonterade kassafl\u00f6den<span class=\"__11 _7c_3\"> </span>Marknadshyra<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:333.5133px; bottom:433.84906px;\">- Kommersiella<span class=\"__11 _b9_4\"> </span><span class=\"ls0_11 ws0_11\">144<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs5_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:466.33484px; bottom:433.8518px;\">\u2013<span class=\"fs0_11\">222 EUR/m<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:516.9523px; bottom:436.12677px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:572.0742px; bottom:433.8518px;\">183 EUR/m<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:618.0828px; bottom:436.12677px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:333.5133px; bottom:416.17255px;\">- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _c8_4\"> </span>123<span class=\"fs5_10\">\u2013</span>47<span class=\"__11 _617\"/>4 EUR/<span class=\"__11 _617\"/>m<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:516.9523px; bottom:418.44757px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:570.9145px; bottom:416.17255px;\">299 EUR/m<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:618.0828px; bottom:418.44757px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:333.5133px; bottom:398.48425px;\">- L\u00e4genheter<span class=\"__11 _717\"> </span>189<span class=\"fs5_10\">\u2013</span>300 EUR/m<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:516.9523px; bottom:400.75922px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:570.9145px; bottom:398.48425px;\">245 EUR/m<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:618.0828px; bottom:400.75922px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:333.5133px; bottom:381.34125px;\">- \u00d6vriga<span class=\"__11 _672\"> </span>98<span class=\"fs5_10\">\u2013</span>242 EUR/m<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:516.9523px; bottom:383.61627px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:572.0742px; bottom:381.34125px;\">170 EUR/m<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:618.0828px; bottom:383.61627px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:333.5133px; bottom:364.19818px;\">A<span class=\"__11 _617\"/>vkastningskr<span class=\"__11 _617\"/>av<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:333.5133px; bottom:347.05377px;\">- Kommersiella<span class=\"__11 _754\"> </span>4,50 %<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs5_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:494.2752px; bottom:347.05505px;\">\u2013<span class=\"fs0_11\">7<span class=\"__11 _625\"/>,0 %<span class=\"__11 _12b_2\"> </span>5,8 %<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:333.5133px; bottom:329.91064px;\">- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _690\"> </span>3,25 %<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs5_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:484.0926px; bottom:329.91187px;\">\u2013<span class=\"fs0_11\">10,25 %<span class=\"__11 _731\"> </span>6,8 %<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:333.5133px; bottom:312.76746px;\">- L\u00e4genheter<span class=\"__11 _755\"> </span>3,0 %</div><div class=\"t_11 m0_11 ha_10 ff2_11 fs5_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:488.71735px; bottom:312.76874px;\">\u2013<span class=\"fs0_11\">4,75 %<span class=\"__11 _731\"> </span>3,9 %<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:333.5133px; bottom:295.62433px;\">- \u00d6vriga<span class=\"__11 _751\"> </span>4,5 %<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs5_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:488.71735px; bottom:295.62567px;\">\u2013<span class=\"fs0_11 ls7_10 ws9_10\">8,25 %<span class=\"__11 _731\"> </span></span><span class=\"fs0_11\">6,4 %<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:277.00702px;\">Sverige<span class=\"__11 _c8_4\"> </span>333<span class=\"__11 _a5_4\"> </span>333<span class=\"__11 _5b_3\"> </span>Diskonter<span class=\"__11 _617\"/>ade kassafl\u00f6den<span class=\"__11 _7c_3\"> </span>Marknadshyra<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:333.5133px; bottom:259.86267px;\">- Kommersiella<span class=\"__11 _e9_4\"> </span>69<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs5_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:467.8449px; bottom:259.86548px;\">\u2013<span class=\"fs0_11\">217 EUR/m<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:516.9523px; bottom:262.1405px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:572.0742px; bottom:259.86548px;\">123 EUR/m<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:618.0828px; bottom:262.1405px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:333.5133px; bottom:242.72241px;\">- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _756\"> </span><span class=\"ls6_10 ws8_10\">248<span class=\"__11 _626\"/></span><span class=\"fs5_10\">\u2013</span>277 EUR/m<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:516.9523px; bottom:244.99738px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:570.9145px; bottom:242.72241px;\">266 EUR/m<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:618.0828px; bottom:244.99738px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:333.5133px; bottom:225.57928px;\">- L\u00e4genheter<span class=\"__11 _750\"> </span><span class=\"ls0_11 ws0_11\">178</span><span class=\"fs5_10\">\u2013</span>185 EUR/m<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:516.9523px; bottom:227.85431px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:570.9145px; bottom:225.57928px;\">180 EUR/m<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 he_10 ff2_11 fs9_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:618.0828px; bottom:227.85431px;\">2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:333.5133px; bottom:208.4361px;\">A<span class=\"__11 _617\"/>vkastningskr<span class=\"__11 _617\"/>av<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:333.5133px; bottom:191.29169px;\">- Kommersiella<span class=\"__11 _639\"> </span>4,25 %<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs5_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:488.71735px; bottom:191.29297px;\">\u2013<span class=\"fs0_11\">5,85 %<span class=\"__11 _12b_2\"> </span>5,0 %<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:333.5133px; bottom:174.14856px;\">- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _13a_2\"> </span>4,0 %<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs5_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:488.71735px; bottom:174.1499px;\">\u2013<span class=\"fs0_11\">4,65 %<span class=\"__11 _731\"> </span>4,4 %<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:333.5133px; bottom:157.00546px;\">- L\u00e4genheter<span class=\"__11 _737\"> </span>3,51 %<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs5_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:488.71735px; bottom:157.00677px;\">\u2013<span class=\"fs0_11\">3,60 %<span class=\"__11 _12b_2\"> </span>3,6 %<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:139.86237px;\">\u00d6vriga<span class=\"__11 _751\"> </span>1<span class=\"__11 _c2_4\"> </span>\u2013<span class=\"__11 _5b_3\"> </span>Diskonterade kassafl\u00f6den<span class=\"__11 _7c_3\"> </span>\u2013<span class=\"__11 _752\"> </span>\u2013<span class=\"__11 _12c_2\"> </span>\u2013<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:115.892975px;\">Summa<span class=\"__11 _737\"> </span>2 366<span class=\"__11 _6a_3\"> </span>2 365<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hc_10 ff2_11 fs7_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:96.237366px;\">1)   <span class=\"__11 _e4_3\"/>F\u00f6rdelning baserad p\u00e5 de v<span class=\"__11 _617\"/>\u00e4rderingsmetoder som anv\u00e4nds i olik<span class=\"__11 _617\"/>a l\u00e4nder<span class=\"__11 _617\"/>.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hc_10 ff2_11 fs7_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:84.6333px;\">2)   <span class=\"__11 _e4_3\"/>Var<span class=\"__11 _617\"/>av 602 mn euro r<span class=\"__11 _617\"/>elateras till tillg\u00e5ngar i placeringsportf<span class=\"__11 _617\"/>\u00f6ljer och fondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal i Lif<span class=\"__11 _617\"/>e &amp; Pension. F\u00f6r mer in<span class=\"__11 _617\"/>forma<span class=\"__11 _617\"/>tion se not K3.<span class=\"__11 _625\"/>11 \u201dTillg\u00e5ngar och inl\u00e5ning i placerings-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hc_10 ff2_11 fs7_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:15.736771px; bottom:75.79642px;\">portf\u00f6ljer och fondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:29.799957px;\">De v\u00e4sen<span class=\"__11 _617\"/>tliga ej observerbara indat<span class=\"__11 _617\"/>a som anv\u00e4nds n\u00e4r </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:16.27475px;\">f\u00f6rvaltningsf<span class=\"__11 _617\"/>astighet<span class=\"__11 _617\"/>erna v\u00e4rder<span class=\"__11 _617\"/>as till verkligt v\u00e4r<span class=\"__11 _617\"/>de \u00e4r </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:2.7495422px;\">marknadshyra och a<span class=\"__11 _617\"/>vkas<span class=\"__11 _617\"/>tningskra<span class=\"__11 _617\"/>v<span class=\"__11 _625\"/>. Betydande h\u00f6jningar<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:29.811005px;\">(s\u00e4nkningar) av marknadsh<span class=\"__11 _617\"/>yran eller a<span class=\"__11 _617\"/>vkastningskr<span class=\"__11 _617\"/>a<span class=\"__11 _617\"/>vet </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:16.285797px;\">skulle, isolera<span class=\"__11 _617\"/>t, resultera i en bety<span class=\"__11 _617\"/>dligt l\u00e4gre (h\u00f6gre<span class=\"__11 _617\"/>) verkligt </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:320.61798px; bottom:2.7605896px;\">v\u00e4rde.<span class=\"__11 _624\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueMeasurementExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-629": {
   "value": "K3.4  Verkligt v\u00e4rde Redovisningsprinciper Verkligt v\u00e4rde de\ufb01nieras som det pris som vid v\u00e4rderingstid- punkten skulle erh\u00e5llas vid f\u00f6rs\u00e4ljning av en tillg\u00e5ng eller betalas vid \u00f6verl\u00e5telse av en skuld i en ordnad transaktion mellan marknadsakt\u00f6rer. Vid v\u00e4rderingen till verkligt v\u00e4rde antas att transaktionen sker under aktuella marknadsf\u00f6rh\u00e5l- landen p\u00e5 tillg\u00e5ngens eller skuldens huvudmarknad, eller, om en huvudmarknad saknas, p\u00e5 tillg\u00e5ngens eller skuldens mest f\u00f6rdelaktiga marknad. Det b\u00e4sta beviset p\u00e5 verkligt v\u00e4rde \u00e4r f\u00f6rekomsten av publicerade prisnoteringar p\u00e5 en aktiv marknad och n\u00e4r s\u00e5dana f\u00f6rekommer anv\u00e4nds de vid v\u00e4rderingen av \ufb01nansiel- la tillg\u00e5ngar och \ufb01nansiella skulder. En aktiv marknad \u00e4r en marknad d\u00e4r transaktioner med tillg\u00e5ngen eller skulden intr\u00e4ffar tillr\u00e4ckligt ofta och med tillr\u00e4cklig volym f\u00f6r att ge l\u00f6pande prisinformation. Den absoluta likviditets- och volym- niv\u00e5n som kr\u00e4vs f\u00f6r att marknaden ska anses vara aktiv varie- rar beroende p\u00e5 instrumentklass. F\u00f6r vissa klasser f\u00f6religger l\u00e5g prisvolatilitet, \u00e4ven f\u00f6r instrument inom klasser d\u00e4r han- delsfrekvensen \u00e4r h\u00f6g. F\u00f6r instrument i s\u00e5dana klasser \u00e4r lik- viditetskraven l\u00e4gre och d\u00e4rmed \u00e4r \u00e5ldersgr\u00e4nsen f\u00f6r priserna som anv\u00e4nds f\u00f6r att fastst\u00e4lla verkligt v\u00e4rde h\u00f6gre. Handelsfrekvensen och volymen \u00f6vervakas regelbundet f\u00f6r att bed\u00f6ma om marknaderna \u00e4r aktiva eller inte. Om note- rade priser f\u00f6r ett \ufb01nansiellt instrument inte representerar faktiska och regelbundet f\u00f6rekommande marknadstransak- tioner, eller om noterade priser inte \ufb01nns tillg\u00e4ngliga, fast- st\u00e4lls det verkliga v\u00e4rdet med hj\u00e4lp av l\u00e4mplig v\u00e4rderingsme- tod. V\u00e4rderingsmetodens l\u00e4mplighet, inklusive en bed\u00f6mning av om noterade priser eller teoretiska priser ska anv\u00e4ndas, \u00f6vervakas regelbundet. V\u00e4rderingsmetoderna kan variera fr\u00e5n enkel analys av  diskonterade kassafl\u00f6den till komplexa optionsv\u00e4rderings- modeller. V\u00e4rderingsmodellerna har utformats s\u00e5 att obser- verbara marknadspriser och kurser anv\u00e4nds som indata i f\u00f6rekommande fall, men \u00e4ven icke observerbara modell - parametrar kan anv\u00e4ndas. V\u00e4rderingsmodellens l\u00e4mplighet bed\u00f6ms genom att m\u00e4ta dess f\u00f6rm\u00e5ga att matcha marknads- priser. Detta g\u00f6rs genom att j\u00e4mf\u00f6ra ber\u00e4knade priser med relevant j\u00e4mf\u00f6relsedata, t.ex. b\u00f6rskurser, motpartens v\u00e4rde- ringar eller konsensuspriser. F\u00f6r \ufb01nansiella instrument d\u00e4r verkligt v\u00e4rde uppskattas med hj\u00e4lp av en v\u00e4rderingsmetod unders\u00f6ks om de variabler som anv\u00e4nts i v\u00e4rderingsmodellen till \u00f6verv\u00e4gande del base- rats p\u00e5 data fr\u00e5n observerbara marknader. Med data fr\u00e5n observerbara marknader avser Nordea data som kan inh\u00e4m- tas fr\u00e5n allm\u00e4nt tillg\u00e4ngliga externa k\u00e4llor och som bed\u00f6ms utg\u00f6ra realistiska marknadspriser. Vid anv\u00e4ndning av icke observerbara data, som har en betydande inverkan p\u00e5 v\u00e4rde- ringen, kan instrumentet vid f\u00f6rsta redovisningstillf\u00e4llet inte redovisas till det verkliga v\u00e4rde som ber\u00e4knats via v\u00e4rde- ringsmetoden, och eventuella initiala vinster periodiseras d\u00e4r- f\u00f6r i resultatr\u00e4kningen \u00f6ver instrumentets l\u00f6ptid. De initiala vinsterna redovisas d\u00e4refter direkt i resultatr\u00e4kningen i det fall icke observerbara data blir observerbara. Tillg\u00e5ngar och skulder v\u00e4rderas till verkligt v\u00e4rde utifr\u00e5n de tre niv\u00e5erna i IFRS-hierarkin f\u00f6r verkligt v\u00e4rde. Hierarkin ger h\u00f6gst prioritet till noterade priser (ojusterade) p\u00e5 aktiva marknader f\u00f6r identiska tillg\u00e5ngar och skulder (niv\u00e5 1) och l\u00e4gst prioritet till ej observerbar indata (niv\u00e5 3). Klassi\ufb01ce- ringen av dessa instrument baseras p\u00e5 den l\u00e4gsta niv\u00e5 indata som \u00e4r v\u00e4sentlig f\u00f6r verkligt v\u00e4rde-v\u00e4rderingen i sin helhet. Niv\u00e5 1 i hierarkin f\u00f6r verkligt v\u00e4rde utg\u00f6rs av tillg\u00e5ngar och skulder som v\u00e4rderats med hj\u00e4lp av ojusterade noterade pri- ser p\u00e5 aktiva marknader f\u00f6r identiska tillg\u00e5ngar och skulder. En aktiv marknad \u00e4r en marknad d\u00e4r transaktioner med till- g\u00e5ngen eller skulden intr\u00e4ffar tillr\u00e4ckligt ofta och med till- r\u00e4cklig volym f\u00f6r att ge l\u00f6pande prisinformation. Niv\u00e5 2 i hierarkin f\u00f6r verkligt v\u00e4rde utg\u00f6rs av tillg\u00e5ngar och skulder som inte har noterade marknadspriser direkt tillg\u00e4ng- liga fr\u00e5n aktiva marknader. Verkligt v\u00e4rde baseras p\u00e5 note- rade priser f\u00f6r liknande tillg\u00e5ngar eller skulder p\u00e5 aktiva marknader, eller noterade priser p\u00e5 identiska eller liknande tillg\u00e5ngar eller skulder p\u00e5 marknader som inte \u00e4r aktiva. Verk- ligt v\u00e4rde kan ocks\u00e5 ber\u00e4knas med hj\u00e4lp av v\u00e4rderingsmeto- der eller v\u00e4rderingsmodeller som baseras p\u00e5 marknadspriser eller indata p\u00e5 balansdagen, om eventuella ej observerbara indata har haft en obetydlig inverkan p\u00e5 de verkliga v\u00e4rdena. Niv\u00e5 3 i hierarkin f\u00f6r verkligt v\u00e4rde utg\u00f6rs av de tillg\u00e5ngar och skulder f\u00f6r vilka verkliga v\u00e4rden inte kan erh\u00e5llas direkt fr\u00e5n noterade marknadspriser eller indirekt via v\u00e4rderingsme- toder eller v\u00e4rderingsmodeller som bygger p\u00e5 observerbara marknadspriser eller indata. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-630": {
   "value": "Verkligt v\u00e4rde de\ufb01nieras som det pris som vid v\u00e4rderingstid- punkten skulle erh\u00e5llas vid f\u00f6rs\u00e4ljning av en tillg\u00e5ng eller betalas vid \u00f6verl\u00e5telse av en skuld i en ordnad transaktion mellan marknadsakt\u00f6rer. Vid v\u00e4rderingen till verkligt v\u00e4rde antas att transaktionen sker under aktuella marknadsf\u00f6rh\u00e5l- landen p\u00e5 tillg\u00e5ngens eller skuldens huvudmarknad, eller, om en huvudmarknad saknas, p\u00e5 tillg\u00e5ngens eller skuldens mest f\u00f6rdelaktiga marknad. Det b\u00e4sta beviset p\u00e5 verkligt v\u00e4rde \u00e4r f\u00f6rekomsten av publicerade prisnoteringar p\u00e5 en aktiv marknad och n\u00e4r s\u00e5dana f\u00f6rekommer anv\u00e4nds de vid v\u00e4rderingen av \ufb01nansiel- la tillg\u00e5ngar och \ufb01nansiella skulder. En aktiv marknad \u00e4r en marknad d\u00e4r transaktioner med tillg\u00e5ngen eller skulden intr\u00e4ffar tillr\u00e4ckligt ofta och med tillr\u00e4cklig volym f\u00f6r att ge l\u00f6pande prisinformation. Den absoluta likviditets- och volym- niv\u00e5n som kr\u00e4vs f\u00f6r att marknaden ska anses vara aktiv varie- rar beroende p\u00e5 instrumentklass. F\u00f6r vissa klasser f\u00f6religger l\u00e5g prisvolatilitet, \u00e4ven f\u00f6r instrument inom klasser d\u00e4r han- delsfrekvensen \u00e4r h\u00f6g. F\u00f6r instrument i s\u00e5dana klasser \u00e4r lik- viditetskraven l\u00e4gre och d\u00e4rmed \u00e4r \u00e5ldersgr\u00e4nsen f\u00f6r priserna som anv\u00e4nds f\u00f6r att fastst\u00e4lla verkligt v\u00e4rde h\u00f6gre. Handelsfrekvensen och volymen \u00f6vervakas regelbundet f\u00f6r att bed\u00f6ma om marknaderna \u00e4r aktiva eller inte. Om note- rade priser f\u00f6r ett \ufb01nansiellt instrument inte representerar faktiska och regelbundet f\u00f6rekommande marknadstransak- tioner, eller om noterade priser inte \ufb01nns tillg\u00e4ngliga, fast- st\u00e4lls det verkliga v\u00e4rdet med hj\u00e4lp av l\u00e4mplig v\u00e4rderingsme- tod. V\u00e4rderingsmetodens l\u00e4mplighet, inklusive en bed\u00f6mning av om noterade priser eller teoretiska priser ska anv\u00e4ndas, \u00f6vervakas regelbundet. V\u00e4rderingsmetoderna kan variera fr\u00e5n enkel analys av  diskonterade kassafl\u00f6den till komplexa optionsv\u00e4rderings- modeller. V\u00e4rderingsmodellerna har utformats s\u00e5 att obser- verbara marknadspriser och kurser anv\u00e4nds som indata i f\u00f6rekommande fall, men \u00e4ven icke observerbara modell - parametrar kan anv\u00e4ndas. V\u00e4rderingsmodellens l\u00e4mplighet bed\u00f6ms genom att m\u00e4ta dess f\u00f6rm\u00e5ga att matcha marknads- priser. Detta g\u00f6rs genom att j\u00e4mf\u00f6ra ber\u00e4knade priser med relevant j\u00e4mf\u00f6relsedata, t.ex. b\u00f6rskurser, motpartens v\u00e4rde- ringar eller konsensuspriser. F\u00f6r \ufb01nansiella instrument d\u00e4r verkligt v\u00e4rde uppskattas med hj\u00e4lp av en v\u00e4rderingsmetod unders\u00f6ks om de variabler som anv\u00e4nts i v\u00e4rderingsmodellen till \u00f6verv\u00e4gande del base- rats p\u00e5 data fr\u00e5n observerbara marknader. Med data fr\u00e5n observerbara marknader avser Nordea data som kan inh\u00e4m- tas fr\u00e5n allm\u00e4nt tillg\u00e4ngliga externa k\u00e4llor och som bed\u00f6ms utg\u00f6ra realistiska marknadspriser. Vid anv\u00e4ndning av icke observerbara data, som har en betydande inverkan p\u00e5 v\u00e4rde- ringen, kan instrumentet vid f\u00f6rsta redovisningstillf\u00e4llet inte redovisas till det verkliga v\u00e4rde som ber\u00e4knats via v\u00e4rde- ringsmetoden, och eventuella initiala vinster periodiseras d\u00e4r- f\u00f6r i resultatr\u00e4kningen \u00f6ver instrumentets l\u00f6ptid. De initiala vinsterna redovisas d\u00e4refter direkt i resultatr\u00e4kningen i det fall icke observerbara data blir observerbara. Tillg\u00e5ngar och skulder v\u00e4rderas till verkligt v\u00e4rde utifr\u00e5n de tre niv\u00e5erna i IFRS-hierarkin f\u00f6r verkligt v\u00e4rde. Hierarkin ger h\u00f6gst prioritet till noterade priser (ojusterade) p\u00e5 aktiva marknader f\u00f6r identiska tillg\u00e5ngar och skulder (niv\u00e5 1) och l\u00e4gst prioritet till ej observerbar indata (niv\u00e5 3). Klassi\ufb01ce- ringen av dessa instrument baseras p\u00e5 den l\u00e4gsta niv\u00e5 indata som \u00e4r v\u00e4sentlig f\u00f6r verkligt v\u00e4rde-v\u00e4rderingen i sin helhet. Niv\u00e5 1 i hierarkin f\u00f6r verkligt v\u00e4rde utg\u00f6rs av tillg\u00e5ngar och skulder som v\u00e4rderats med hj\u00e4lp av ojusterade noterade pri- ser p\u00e5 aktiva marknader f\u00f6r identiska tillg\u00e5ngar och skulder. En aktiv marknad \u00e4r en marknad d\u00e4r transaktioner med till- g\u00e5ngen eller skulden intr\u00e4ffar tillr\u00e4ckligt ofta och med till- r\u00e4cklig volym f\u00f6r att ge l\u00f6pande prisinformation. Niv\u00e5 2 i hierarkin f\u00f6r verkligt v\u00e4rde utg\u00f6rs av tillg\u00e5ngar och skulder som inte har noterade marknadspriser direkt tillg\u00e4ng- liga fr\u00e5n aktiva marknader. Verkligt v\u00e4rde baseras p\u00e5 note- rade priser f\u00f6r liknande tillg\u00e5ngar eller skulder p\u00e5 aktiva marknader, eller noterade priser p\u00e5 identiska eller liknande tillg\u00e5ngar eller skulder p\u00e5 marknader som inte \u00e4r aktiva. Verk- ligt v\u00e4rde kan ocks\u00e5 ber\u00e4knas med hj\u00e4lp av v\u00e4rderingsmeto- der eller v\u00e4rderingsmodeller som baseras p\u00e5 marknadspriser eller indata p\u00e5 balansdagen, om eventuella ej observerbara indata har haft en obetydlig inverkan p\u00e5 de verkliga v\u00e4rdena. Niv\u00e5 3 i hierarkin f\u00f6r verkligt v\u00e4rde utg\u00f6rs av de tillg\u00e5ngar och skulder f\u00f6r vilka verkliga v\u00e4rden inte kan erh\u00e5llas direkt fr\u00e5n noterade marknadspriser eller indirekt via v\u00e4rderingsme- toder eller v\u00e4rderingsmodeller som bygger p\u00e5 observerbara marknadspriser eller indata. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniqueExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-631": {
   "value": "K3.5 Kvittning Redovisningsprinciper Nordea kvittar \ufb01nansiella tillg\u00e5ngar och skulder i balansr\u00e4k- ningen om laglig r\u00e4tt till kvittning f\u00f6religger och om avsikten \u00e4r att nettoreglera posterna eller avyttra tillg\u00e5ngen samtidigt som skulden regleras. Den lagstadgade r\u00e4tten till kvittning ska f\u00f6religga b\u00e5de i den l\u00f6pande verksamheten och i h\u00e4ndel- se av fallissemang, konkurs och insolvens hos Nordea eller dess motparter. Finansiella instrument som kvittats i balansr\u00e4kningen eller omfattas av nettningsavtal Belopp som inte kvittats men som omfattas av ramavtal f\u00f6r nettning eller liknande avtal 31 dec 2022, mn euro Redovisade \ufb01nansiella tillg\u00e5ngar1, brutto Redovisade \ufb01nansiella skulder, brutto, som kvittats i balansr\u00e4kningen Netto- redovisat v\u00e4rde i balans- r\u00e4kningen2 Finansiella instrument Erh\u00e5llna \ufb01nansiella s\u00e4kerheter Erh\u00e5llna kontant- s\u00e4kerheter Nettobelopp Tillg\u00e5ngar Derivatinstrument3 211 529 -174 966 36 563 -27 124 \u2013 -4 506 4 933 Omv\u00e4nda \u00e5terk\u00f6psavtal 25 271 -7 828 17 443 \u2013 -17 443 \u2013 0 Avtal om inl\u00e5ning av v\u00e4rdepapper 3 661 \u2013 3 661 \u2013 -3 661 \u2013 0 Marginals\u00e4kerheter 424 -424 0 \u2013 \u2013 \u2013 0 Summa 240 885 -183 218 57 667 -27 124 -21 104 -4 506 4 933 Belopp som inte kvittats men som omfattas av ramavtal f\u00f6r nettning eller liknande avtal 31 dec 2022, mn euro Redovisade \ufb01nansiella skulder1, brutto Redovisade \ufb01nansiella tillg\u00e5ngar, brutto, som kvittats i balansr\u00e4kningen Netto- redovisat v\u00e4rde i balans- r\u00e4kningen2 Finansiella instrument L\u00e4mnade \ufb01nansiella s\u00e4kerheter L\u00e4mnade kontant- s\u00e4kerheter Nettobelopp Skulder Derivatinstrument3 214 190 -174 083 40 107 -27 124 \u2013 -5 969 7 014 \u00c5terk\u00f6psavtal 21 377 -7 828 13 549 \u2013 -13 549 \u2013 0 Avtal om utl\u00e5ning av v\u00e4rdepapper 3 811 \u2013 3 811 \u2013 -3 811 \u2013 0 Marginals\u00e4kerheter 1 307 -1 307 0 \u2013 \u2013 \u2013 0 Summa 240 685 -183 218 57 467 -27 124 -17 360 -5 969 7 014 1)   Alla belopp har v\u00e4rderats till verkligt v\u00e4rde utom omv\u00e4nda \u00e5terk\u00f6psavtal uppg\u00e5ende till 14 mn euro och \u00e5terk\u00f6psavtal uppg\u00e5ende till 257 mn euro som v\u00e4rderats till upplupet anskaffningsv\u00e4rde. 2)   Omv\u00e4nda \u00e5terk\u00f6psavtal och avtal om inl\u00e5ning av v\u00e4rdepapper har i balansr\u00e4kningen klassi\ufb01cerats som \u201dUtl\u00e5ning till centralbanker\u201d, \u201dUtl\u00e5ning till kreditinstitut\u201d eller \u201dUtl\u00e5ning till allm\u00e4nheten\u201d. \u00c5terk\u00f6psavtal och avtal om utl\u00e5ning av v\u00e4rdepapper har i balansr\u00e4kningen klassi\ufb01cerats som \u201dSkulder till kreditinstitut\u201d eller \u201dIn- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten\u201d. 3)  Inklusive derivatinstrument i placeringsportf\u00f6ljer samt fondf\u00f6rs\u00e4kringsavtal. Belopp som inte kvittats men som omfattas av ramavtal f\u00f6r nettning eller liknande avtal 31 dec 2021, mn euro Redovisade \ufb01nansiella tillg\u00e5ngar1, brutto Redovisade \ufb01nansiella skulder, brutto, som kvittats i balansr\u00e4kningen Netto- redovisat v\u00e4rde i balans- r\u00e4kningen2 Finansiella instrument Erh\u00e5llna \ufb01nansiella s\u00e4kerheter Erh\u00e5llna kontant- s\u00e4kerheter Nettobelopp Tillg\u00e5ngar Derivatinstrument3 93 939 -63 743 30 196 -21 687 _ -6 591 1 918 Omv\u00e4nda \u00e5terk\u00f6psavtal 21 739 -9 172 12 567 _ -12 567 _  0 Avtal om inl\u00e5ning av v\u00e4rdepapper 4 798 _ 4 798 _ -4 798 _ 0 Marginals\u00e4kerheter  213 -213 0 \u2013 \u2013 \u2013  0 Summa 120 689 -73 128 47 561 -21 687 -17 365 -6 591 1 918 Belopp som inte kvittats men som omfattas av ramavtal f\u00f6r nettning eller liknande avtal 31 dec 2021, mn euro Redovisade \ufb01nansiella skulder1, brutto Redovisade \ufb01nansiella tillg\u00e5ngar, brutto, som kvittats i balansr\u00e4kningen Netto- redovisat v\u00e4rde i balans- r\u00e4kningen2 Finansiella instrument L\u00e4mnade \ufb01nansiella s\u00e4kerheter L\u00e4mnade kontant- s\u00e4kerheter Nettobelopp Skulder Derivatinstrument3 93 016 -61 543 31 473 -21 687 _ -3 507 6 279 \u00c5terk\u00f6psavtal 12 890 -9 172 3 718 _ -3 718 _  0 Avtal om utl\u00e5ning av v\u00e4rdepapper 2 235 _ 2 235 _ -2 235 _  0 Marginals\u00e4kerheter 2 413 -2 413 0 _ _ _  0 Summa 110 554 -73 128 37 426 -21 687 -5 953 -3 507 6 279 1)   Alla belopp har v\u00e4rderats till verkligt v\u00e4rde. 2)   Omv\u00e4nda \u00e5terk\u00f6psavtal och avtal om inl\u00e5ning av v\u00e4rdepapper har i balansr\u00e4kningen klassi\ufb01cerats som \u201dUtl\u00e5ning till centralbanker\u201d, \u201dUtl\u00e5ning till kreditinstitut\u201d eller \u201dUtl\u00e5ning till allm\u00e4nheten\u201d. \u00c5terk\u00f6psavtal och avtal om utl\u00e5ning av v\u00e4rdepapper har i balansr\u00e4kningen klassi\ufb01cerats som \u201dSkulder till kreditinstitut\u201d eller \u201dIn- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten\u201d. 3)  Inklusive derivatinstrument i placeringsportf\u00f6ljer samt fondf\u00f6rs\u00e4kringsavtal. B\u00f6rsnoterade derivat redovisas och avr\u00e4knas normalt p\u00e5 dag- lig basis n\u00e4r likvid betalas eller erh\u00e5lls och instrumentet juste- ras till r\u00e5dande marknadsvillkor. Derivattillg\u00e5ngar, derivat- skulder, kontants\u00e4kerhetsfordringar och kontants\u00e4kerhets- skulder gentemot centrala motparter f\u00f6r clearing kvittas i balansr\u00e4kningen om det r\u00f6r sig om samma transaktionsva- luta och samma centrala motpart f\u00f6r clearing. Derivattill- g\u00e5ngar, derivatskulder, kontants\u00e4kerhetsfordringar och kon- tants\u00e4kerhetsskulder avseende bilaterala OTC-derivat kvittas d\u00e4remot inte i balansr\u00e4kningen. Ut- och inl\u00e5ning i repor och omv\u00e4nda repor som g\u00f6rs med centrala motparter kvittas i balansr\u00e4kningen om tillg\u00e5ngarna och skulderna avser samma centrala motpart, regleras i samma valuta och har samma l\u00f6ptid. Ut- och inl\u00e5ning i repor och omv\u00e4nda repor som g\u00f6rs i enlighet med ett s\u00e5 kallat Glo- bal Master Repurchase Agreement kvittas i balansr\u00e4kningen om tillg\u00e5ngarna och skulderna avser samma motpart, regle- ras i samma valuta, har samma l\u00f6ptid och regleras via samma institut. Finansiella instrument bruttoredovisas i balansr\u00e4kningen men det inneb\u00e4r inte att dessa instrument inte omfattas av ramavtal f\u00f6r nettning eller liknande avtal. Normalt omfattas \ufb01nansiella instrument (derivat, repor och v\u00e4rdepappersl\u00e5n) av ramavtal f\u00f6r nettning, och Nordea kan d\u00e4rmed dra nytta av nettning i ber\u00e4kningen av motpartsrisk i h\u00e4ndelse av fallisse- mang hos motparter. En n\u00e4rmare beskrivning av motpartsrisk, se avsnitt 3 \u201dMot- partskreditrisk\u201d i not K11 \u201dRisk- och likviditetshantering\u201d. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOffsettingOfFinancialAssetsAndFinancialLiabilitiesExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-632": {
   "value": "K3.5 Kvittning Redovisningsprinciper Nordea kvittar \ufb01nansiella tillg\u00e5ngar och skulder i balansr\u00e4k- ningen om laglig r\u00e4tt till kvittning f\u00f6religger och om avsikten \u00e4r att nettoreglera posterna eller avyttra tillg\u00e5ngen samtidigt som skulden regleras. Den lagstadgade r\u00e4tten till kvittning ska f\u00f6religga b\u00e5de i den l\u00f6pande verksamheten och i h\u00e4ndel- se av fallissemang, konkurs och insolvens hos Nordea eller dess motparter. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForOffsettingOfFinancialInstrumentsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-633": {
   "value": "K3.6 S\u00e4kringsredovisning Redovisningsprinciper  N\u00e4r ett s\u00e4kringsf\u00f6rh\u00e5llande uppfyller de angivna kriterierna  f\u00f6r s\u00e4kringsredovisning i IAS 39, anv\u00e4nder Nordea en av f\u00f6l- jande tre typer av s\u00e4kringsredovisning:  \u2022  s\u00e4kring av verkligt v\u00e4rde \u2022  kassafl\u00f6dess\u00e4kring  \u2022  s\u00e4kring av nettoinvesteringar. Nordea har, efter policybeslut i enlighet med IFRS 9, valt att  forts\u00e4tta till\u00e4mpa s\u00e4kringsredovisning enligt EU:s \u201dcarve out\u201d- version av IAS 39.  Enligt EU:s \u201dcarve out\u201d-version av IAS 39 kan makros\u00e4kring  av verkligt v\u00e4rde till exempel anv\u00e4ndas f\u00f6r avistainl\u00e5ning  (j\u00e4mf\u00f6r IAS 39 publicerad av IASB), och ineffektivitet i sam- band med s\u00e4kring av tillg\u00e5ngar med m\u00f6jlighet till f\u00f6rtida  in l\u00f6sen redovisas f\u00f6rst n\u00e4r den reviderade ber\u00e4kningen av  kassafl\u00f6desbeloppet hamnar under den nedre skiktgr\u00e4nsen. F\u00f6r att f\u00e5 till\u00e4mpa s\u00e4kringsredovisning kr\u00e4vs att s\u00e4kringen  har en h\u00f6g effektivitet. En s\u00e4kring anses ha detta om det vid  ing\u00e5ngen och under s\u00e4kringens hela l\u00f6ptid kan f\u00f6rv\u00e4ntas att  f\u00f6r\u00e4ndringar i verkligt v\u00e4rde p\u00e5 den s\u00e4krade posten, med  avseende p\u00e5 den s\u00e4krade risken, v\u00e4sentligen neutraliseras av  f\u00f6r\u00e4ndringar i verkligt v\u00e4rde p\u00e5 s\u00e4kringsinstrumentet. Utfallet  ska ligga inom intervallet 80\u2013125 procent. Transaktioner som genomf\u00f6rs i enlighet med Nordeas s\u00e4k- ringsm\u00e5l, men som inte uppfyller kriterierna f\u00f6r s\u00e4kringsredo- visning, \u00e4r ekonomiska s\u00e4kringsf\u00f6rh\u00e5llanden. S\u00e4kring av verkligt v\u00e4rde S\u00e4kring av verkligt v\u00e4rde till\u00e4mpas n\u00e4r derivat anv\u00e4nds f\u00f6r att  risks\u00e4kra f\u00f6r\u00e4ndringar i verkligt v\u00e4rde p\u00e5 en redovisad till- g\u00e5ng eller skuld h\u00e4nf\u00f6rlig till en speci\ufb01k risk. S\u00e4kring av verk- ligt v\u00e4rde kan till\u00e4mpas p\u00e5 b\u00e5de mikroniv\u00e5 (enskilda tillg\u00e5ng- ar/skulder eller st\u00e4ngda portf\u00f6ljer av tillg\u00e5ngar/skulder, d\u00e4r  en eller flera poster s\u00e4kras med hj\u00e4lp av ett eller flera s\u00e4k- ringsinstrument), och makroniv\u00e5 (\u00f6ppna portf\u00f6ljer, d\u00e4r grup- per av poster s\u00e4kras med hj\u00e4lp av flera s\u00e4kringsinstrument). F\u00f6r\u00e4ndringar i verkligt v\u00e4rde p\u00e5 derivat (s\u00e4kringsinstru- ment) liksom f\u00f6r\u00e4ndringar i verkligt v\u00e4rde p\u00e5 den s\u00e4krade  posten, h\u00e4nf\u00f6rliga till de risker som s\u00e4kras, redovisas separat i  resultatr\u00e4kningen under \u201dNettoresultat av poster till verkligt  v\u00e4rde\u201d. Om s\u00e4kringen \u00e4r effektiv tar f\u00f6r\u00e4ndringen i verkligt  v\u00e4rde p\u00e5 den s\u00e4krade posten respektive s\u00e4kringsinstrumentet  ut varandra. F\u00f6r\u00e4ndringarna i verkligt v\u00e4rde p\u00e5 den s\u00e4krade posten,  h\u00e4nf\u00f6rliga till riskerna s\u00e4krade med derivatinstrumentet,  avspeglas i en justering av den s\u00e4krade postens redovisade  v\u00e4rde som ocks\u00e5 redovisas i resultatr\u00e4kningen. F\u00f6r\u00e4ndringen i  verkligt v\u00e4rde p\u00e5 r\u00e4ntes\u00e4krade poster p\u00e5 makroniv\u00e5, v\u00e4rde- rade till upplupet anskaffningsv\u00e4rde, redovisas i balansr\u00e4k- ningen separerat under posten \u201dF\u00f6r\u00e4ndring av verkligt v\u00e4rde  f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer\u201d. Eventuell ineffektiv del av s\u00e4kringen redovisas i resultat- r\u00e4kningen under posten \u201dNettoresultat av poster till verkligt  v\u00e4rde\u201d.  Om s\u00e4kringsf\u00f6rh\u00e5llandet inte uppfyller kraven f\u00f6r s\u00e4krings- redovisning avslutas s\u00e4kringsredovisningen. S\u00e4kringsinstru- mentet v\u00e4rderas till verkligt v\u00e4rde via resultatr\u00e4kningen och  f\u00f6r\u00e4ndringen i verkligt v\u00e4rde p\u00e5 den s\u00e4krade posten, fram till  den tidpunkt d\u00e5 s\u00e4kringsf\u00f6rh\u00e5llandet avslutas, resultatf\u00f6rs  linj\u00e4rt \u00f6ver den s\u00e4krade postens \u00e5terst\u00e5ende l\u00f6ptid. Kassafl\u00f6dess\u00e4kring Kassafl\u00f6dess\u00e4kring till\u00e4mpas f\u00f6r s\u00e4kring av risk h\u00e4nf\u00f6rlig till  variationer i framtida kassafl\u00f6den. Den del av vinsten eller  f\u00f6rlusten p\u00e5 s\u00e4kringsinstrumentet som bed\u00f6ms vara en effek- tiv s\u00e4kring redovisas i \u00f6vrigt totalresultat och ackumuleras i  reserven f\u00f6r kassafl\u00f6dess\u00e4kringar under eget kapital. Den  ineffektiva delen av vinsten eller f\u00f6rlusten p\u00e5 s\u00e4kringsinstru- mentet omklassi\ufb01ceras till resultatr\u00e4kningen under posten  \u201dNettoresultat av poster till verkligt v\u00e4rde\u201d. S\u00e4kringen bed\u00f6m s vara ineffektiv i den utstr\u00e4ckning som den ackumulerade f\u00f6r- \u00e4ndringen i verkligt v\u00e4rde sedan s\u00e4kringen ingicks \u00e4r st\u00f6rre  f\u00f6r s\u00e4kringsinstrumentet \u00e4n f\u00f6r den s\u00e4krade posten. Vinster eller f\u00f6rluster p\u00e5 s\u00e4kringsinstrument som redovi- sats i reserven f\u00f6r kassafl\u00f6dess\u00e4kringar under eget kapital vi a \u00f6vrigt totalresultat omklassi\ufb01ceras och redovisas i resultat- r\u00e4kningen i samma period som den s\u00e4krade posten p\u00e5verkar  resultatr\u00e4kningen, normalt i den period n\u00e4r r\u00e4nteint\u00e4kten elle r r\u00e4ntekostnaden redovisas. En s\u00e4krad post i en kassafl\u00f6dess\u00e4kring kan vara h\u00f6gst san- nolika kassafl\u00f6den fr\u00e5n redovisade, eller framtida, tillg\u00e5ngar  eller skulder. Derivat som anv\u00e4nds som s\u00e4kringsinstrument  v\u00e4rderas alltid till verkligt v\u00e4rde.  Om s\u00e4kringsf\u00f6rh\u00e5llandet inte uppfyller kraven f\u00f6r s\u00e4krings - redovisning avslutas s\u00e4kringsredovisningen. F\u00f6r kassafl\u00f6- dess\u00e4kringar redovisas f\u00f6r\u00e4ndringar i det orealiserade v\u00e4rdet  p\u00e5 s\u00e4kringsinstrumentet i resultatr\u00e4kningen fr\u00e5n och med det  senaste tillf\u00e4llet d\u00e5 s\u00e4kringen bed\u00f6mdes vara effektiv. Den  ackumulerade vinsten eller f\u00f6rlusten p\u00e5 s\u00e4kringsinstrumentet , som sedan den period d\u00e5 s\u00e4kringen bed\u00f6mdes vara effektiv  har redovisats i reserven f\u00f6r kassafl\u00f6dess\u00e4kringar under eget  kapital via \u00f6vrigt totalresultat, omklassi\ufb01ceras fr\u00e5n eget kapi- tal till \u201dNettoresultat av poster till verkligt v\u00e4rde\u201d i resultatr\u00e4k- ningen om den f\u00f6rv\u00e4ntade transaktionen inte l\u00e4ngre f\u00f6rv\u00e4n- tas intr\u00e4ffa.  Om den f\u00f6rv\u00e4ntade transaktionen inte l\u00e4ngre \u00e4r h\u00f6gst san- nolik, men \u00e4nd\u00e5 f\u00f6rv\u00e4ntas intr\u00e4ffa, s\u00e5 kvarst\u00e5r den ackumule- rade vinsten eller f\u00f6rlusten p\u00e5 s\u00e4kringsinstrumentet, som har  redovisats under \u00f6vrigt totalresultat sedan den period d\u00e5 s\u00e4k- ringen bed\u00f6mdes vara effektiv, i \u00f6vrigt totalresultat till dess  att transaktionen intr\u00e4ffar eller inte l\u00e4ngre f\u00f6rv\u00e4ntas intr\u00e4ffa. S\u00e4kring av nettoinvesteringar S\u00e4kring av nettoinvesteringar till\u00e4mpas f\u00f6r s\u00e4kring av valuta- risk i nettoinvesteringar i utl\u00e4ndsk verksamhet. Valutarisk  de\ufb01nieras som risken f\u00f6r f\u00f6rlust h\u00e4nf\u00f6rlig till investeringar i  utl\u00e4ndsk verksamhet som har en annan funktionell valuta \u00e4n  koncernens rapporteringsvaluta.  Valutakurskomponenten i \ufb01nansiella instrument som  anv\u00e4nds som s\u00e4kringsinstrument i en s\u00e4kring av nettoinveste - ring i ett koncernf\u00f6retag redovisas, i den m\u00e5n s\u00e4kringen \u00e4r  effektiv, under \u00f6vrigt totalresultat. Detta f\u00f6r att neutralisera  de omr\u00e4kningsdifferenser som p\u00e5verkar \u00f6vrigt totalresultat  n\u00e4r koncernf\u00f6retagen konsolideras, inklusive omv\u00e4rderingen  av eventuella utvidgade nettoinvesteringar. Eventuell ineffek- tiv del av s\u00e4kringen redovisas i resultatr\u00e4kningen under \u201dNet- toresultat av poster till verkligt v\u00e4rde\u201d. Se \u00e4ven not K1 \u201dRedovisningsprinciper\u201d, avsnittet \u201dOmr\u00e4k- ning av tillg\u00e5ngar och skulder i utl\u00e4ndsk valuta K3.12  Derivatinstrument Redovisningsprinciper Ett derivatinstrument \u00e4r ett \ufb01nansiellt instrument eller annat avtal som har alla tre f\u00f6ljande k\u00e4nnetecken: \u2022  Dess v\u00e4rde f\u00f6r\u00e4ndras till f\u00f6ljd av en f\u00f6r\u00e4ndring i en angiven variabel, exempelvis r\u00e4nta, kurs p\u00e5 \ufb01nansiellt instrument, r\u00e5varupris, v\u00e4xelkurs, pris- eller r\u00e4nteindex, kreditbetyg eller kreditindex, f\u00f6rutsatt att \u2013 i fr\u00e5ga om en icke-\ufb01nansiell vari- abel \u2013 den inte \u00e4r speci\ufb01k f\u00f6r n\u00e5gon av avtalsparterna (s\u00e5 kallad \u201dunderliggande variabel\u201d); \u2022  Det kr\u00e4ver ingen initial nettoinvestering eller en initial net- toinvestering som \u00e4r mindre \u00e4n vad som skulle kr\u00e4vas f\u00f6r andra typer av avtal som kan f\u00f6rv\u00e4ntas reagera p\u00e5 liknande s\u00e4tt p\u00e5 f\u00f6r\u00e4ndringar i marknadsfaktorer; och \u2022  Avvecklingen sker i framtiden. Samtliga derivat redovisas i balansr\u00e4kningen och v\u00e4rderas till verkligt v\u00e4rde. Derivat med positivt verkligt v\u00e4rde, inklusive upplupen r\u00e4nta, redovisas p\u00e5 tillg\u00e5ngssidan under posten \u201dDerivatinstrument\u201d. Derivat med negativt verkligt v\u00e4rde, inklusive upplupen r\u00e4nta, redovisas p\u00e5 skuldsidan under pos- ten \u201dDerivatinstrument\u201d. Vid v\u00e4rderingen av derivat till verk- ligt v\u00e4rde g\u00f6r Nordea justeringar i form av s\u00e5 kallade credit value adjustments (CVA) och debit value adjustments (DVA). CVA och DVA speglar hur motpartens kreditrisk respektive Nordeas egen kreditv\u00e4rdighet p\u00e5verkar derivatets verkliga v\u00e4rde. F\u00f6r ytterligare information om ber\u00e4kningen och \u00f6vriga XVA, se not K3.4 \u201dVerkligt v\u00e4rde\u201d. Realiserade och orealiserade vinster och f\u00f6rluster p\u00e5 deri- vat redovisas i resultatr\u00e4kningen under posten \u201dNettoresultat av poster till verkligt v\u00e4rde\u201d. F\u00f6r mer information om redovis- ningsprinciper och kritiska bed\u00f6mningar, se not K3.4 \u201dVerkligt v\u00e4rde\u201d. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsAndHedgingExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-634": {
   "value": "K3.6 S\u00e4kringsredovisning Redovisningsprinciper  N\u00e4r ett s\u00e4kringsf\u00f6rh\u00e5llande uppfyller de angivna kriterierna  f\u00f6r s\u00e4kringsredovisning i IAS 39, anv\u00e4nder Nordea en av f\u00f6l- jande tre typer av s\u00e4kringsredovisning:  \u2022  s\u00e4kring av verkligt v\u00e4rde \u2022  kassafl\u00f6dess\u00e4kring  \u2022  s\u00e4kring av nettoinvesteringar. Nordea har, efter policybeslut i enlighet med IFRS 9, valt att  forts\u00e4tta till\u00e4mpa s\u00e4kringsredovisning enligt EU:s \u201dcarve out\u201d- version av IAS 39.  Enligt EU:s \u201dcarve out\u201d-version av IAS 39 kan makros\u00e4kring  av verkligt v\u00e4rde till exempel anv\u00e4ndas f\u00f6r avistainl\u00e5ning  (j\u00e4mf\u00f6r IAS 39 publicerad av IASB), och ineffektivitet i sam- band med s\u00e4kring av tillg\u00e5ngar med m\u00f6jlighet till f\u00f6rtida  in l\u00f6sen redovisas f\u00f6rst n\u00e4r den reviderade ber\u00e4kningen av  kassafl\u00f6desbeloppet hamnar under den nedre skiktgr\u00e4nsen. F\u00f6r att f\u00e5 till\u00e4mpa s\u00e4kringsredovisning kr\u00e4vs att s\u00e4kringen  har en h\u00f6g effektivitet. En s\u00e4kring anses ha detta om det vid  ing\u00e5ngen och under s\u00e4kringens hela l\u00f6ptid kan f\u00f6rv\u00e4ntas att  f\u00f6r\u00e4ndringar i verkligt v\u00e4rde p\u00e5 den s\u00e4krade posten, med  avseende p\u00e5 den s\u00e4krade risken, v\u00e4sentligen neutraliseras av  f\u00f6r\u00e4ndringar i verkligt v\u00e4rde p\u00e5 s\u00e4kringsinstrumentet. Utfallet  ska ligga inom intervallet 80\u2013125 procent. Transaktioner som genomf\u00f6rs i enlighet med Nordeas s\u00e4k- ringsm\u00e5l, men som inte uppfyller kriterierna f\u00f6r s\u00e4kringsredo- visning, \u00e4r ekonomiska s\u00e4kringsf\u00f6rh\u00e5llanden. S\u00e4kring av verkligt v\u00e4rde S\u00e4kring av verkligt v\u00e4rde till\u00e4mpas n\u00e4r derivat anv\u00e4nds f\u00f6r att  risks\u00e4kra f\u00f6r\u00e4ndringar i verkligt v\u00e4rde p\u00e5 en redovisad till- g\u00e5ng eller skuld h\u00e4nf\u00f6rlig till en speci\ufb01k risk. S\u00e4kring av verk- ligt v\u00e4rde kan till\u00e4mpas p\u00e5 b\u00e5de mikroniv\u00e5 (enskilda tillg\u00e5ng- ar/skulder eller st\u00e4ngda portf\u00f6ljer av tillg\u00e5ngar/skulder, d\u00e4r  en eller flera poster s\u00e4kras med hj\u00e4lp av ett eller flera s\u00e4k- ringsinstrument), och makroniv\u00e5 (\u00f6ppna portf\u00f6ljer, d\u00e4r grup- per av poster s\u00e4kras med hj\u00e4lp av flera s\u00e4kringsinstrument). F\u00f6r\u00e4ndringar i verkligt v\u00e4rde p\u00e5 derivat (s\u00e4kringsinstru- ment) liksom f\u00f6r\u00e4ndringar i verkligt v\u00e4rde p\u00e5 den s\u00e4krade  posten, h\u00e4nf\u00f6rliga till de risker som s\u00e4kras, redovisas separat i  resultatr\u00e4kningen under \u201dNettoresultat av poster till verkligt  v\u00e4rde\u201d. Om s\u00e4kringen \u00e4r effektiv tar f\u00f6r\u00e4ndringen i verkligt  v\u00e4rde p\u00e5 den s\u00e4krade posten respektive s\u00e4kringsinstrumentet  ut varandra. F\u00f6r\u00e4ndringarna i verkligt v\u00e4rde p\u00e5 den s\u00e4krade posten,  h\u00e4nf\u00f6rliga till riskerna s\u00e4krade med derivatinstrumentet,  avspeglas i en justering av den s\u00e4krade postens redovisade  v\u00e4rde som ocks\u00e5 redovisas i resultatr\u00e4kningen. F\u00f6r\u00e4ndringen i  verkligt v\u00e4rde p\u00e5 r\u00e4ntes\u00e4krade poster p\u00e5 makroniv\u00e5, v\u00e4rde- rade till upplupet anskaffningsv\u00e4rde, redovisas i balansr\u00e4k- ningen separerat under posten \u201dF\u00f6r\u00e4ndring av verkligt v\u00e4rde  f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer\u201d. Eventuell ineffektiv del av s\u00e4kringen redovisas i resultat- r\u00e4kningen under posten \u201dNettoresultat av poster till verkligt  v\u00e4rde\u201d.  Om s\u00e4kringsf\u00f6rh\u00e5llandet inte uppfyller kraven f\u00f6r s\u00e4krings- redovisning avslutas s\u00e4kringsredovisningen. S\u00e4kringsinstru- mentet v\u00e4rderas till verkligt v\u00e4rde via resultatr\u00e4kningen och  f\u00f6r\u00e4ndringen i verkligt v\u00e4rde p\u00e5 den s\u00e4krade posten, fram till  den tidpunkt d\u00e5 s\u00e4kringsf\u00f6rh\u00e5llandet avslutas, resultatf\u00f6rs  linj\u00e4rt \u00f6ver den s\u00e4krade postens \u00e5terst\u00e5ende l\u00f6ptid. Kassafl\u00f6dess\u00e4kring Kassafl\u00f6dess\u00e4kring till\u00e4mpas f\u00f6r s\u00e4kring av risk h\u00e4nf\u00f6rlig till  variationer i framtida kassafl\u00f6den. Den del av vinsten eller  f\u00f6rlusten p\u00e5 s\u00e4kringsinstrumentet som bed\u00f6ms vara en effek- tiv s\u00e4kring redovisas i \u00f6vrigt totalresultat och ackumuleras i  reserven f\u00f6r kassafl\u00f6dess\u00e4kringar under eget kapital. Den  ineffektiva delen av vinsten eller f\u00f6rlusten p\u00e5 s\u00e4kringsinstru- mentet omklassi\ufb01ceras till resultatr\u00e4kningen under posten  \u201dNettoresultat av poster till verkligt v\u00e4rde\u201d. S\u00e4kringen bed\u00f6m s vara ineffektiv i den utstr\u00e4ckning som den ackumulerade f\u00f6r- \u00e4ndringen i verkligt v\u00e4rde sedan s\u00e4kringen ingicks \u00e4r st\u00f6rre  f\u00f6r s\u00e4kringsinstrumentet \u00e4n f\u00f6r den s\u00e4krade posten. Vinster eller f\u00f6rluster p\u00e5 s\u00e4kringsinstrument som redovi- sats i reserven f\u00f6r kassafl\u00f6dess\u00e4kringar under eget kapital vi a \u00f6vrigt totalresultat omklassi\ufb01ceras och redovisas i resultat- r\u00e4kningen i samma period som den s\u00e4krade posten p\u00e5verkar  resultatr\u00e4kningen, normalt i den period n\u00e4r r\u00e4nteint\u00e4kten elle r r\u00e4ntekostnaden redovisas. En s\u00e4krad post i en kassafl\u00f6dess\u00e4kring kan vara h\u00f6gst san- nolika kassafl\u00f6den fr\u00e5n redovisade, eller framtida, tillg\u00e5ngar  eller skulder. Derivat som anv\u00e4nds som s\u00e4kringsinstrument  v\u00e4rderas alltid till verkligt v\u00e4rde.  Om s\u00e4kringsf\u00f6rh\u00e5llandet inte uppfyller kraven f\u00f6r s\u00e4krings - redovisning avslutas s\u00e4kringsredovisningen. F\u00f6r kassafl\u00f6- dess\u00e4kringar redovisas f\u00f6r\u00e4ndringar i det orealiserade v\u00e4rdet  p\u00e5 s\u00e4kringsinstrumentet i resultatr\u00e4kningen fr\u00e5n och med det  senaste tillf\u00e4llet d\u00e5 s\u00e4kringen bed\u00f6mdes vara effektiv. Den  ackumulerade vinsten eller f\u00f6rlusten p\u00e5 s\u00e4kringsinstrumentet , som sedan den period d\u00e5 s\u00e4kringen bed\u00f6mdes vara effektiv  har redovisats i reserven f\u00f6r kassafl\u00f6dess\u00e4kringar under eget  kapital via \u00f6vrigt totalresultat, omklassi\ufb01ceras fr\u00e5n eget kapi- tal till \u201dNettoresultat av poster till verkligt v\u00e4rde\u201d i resultatr\u00e4k- ningen om den f\u00f6rv\u00e4ntade transaktionen inte l\u00e4ngre f\u00f6rv\u00e4n- tas intr\u00e4ffa.  Om den f\u00f6rv\u00e4ntade transaktionen inte l\u00e4ngre \u00e4r h\u00f6gst san- nolik, men \u00e4nd\u00e5 f\u00f6rv\u00e4ntas intr\u00e4ffa, s\u00e5 kvarst\u00e5r den ackumule- rade vinsten eller f\u00f6rlusten p\u00e5 s\u00e4kringsinstrumentet, som har  redovisats under \u00f6vrigt totalresultat sedan den period d\u00e5 s\u00e4k- ringen bed\u00f6mdes vara effektiv, i \u00f6vrigt totalresultat till dess  att transaktionen intr\u00e4ffar eller inte l\u00e4ngre f\u00f6rv\u00e4ntas intr\u00e4ffa. S\u00e4kring av nettoinvesteringar S\u00e4kring av nettoinvesteringar till\u00e4mpas f\u00f6r s\u00e4kring av valuta- risk i nettoinvesteringar i utl\u00e4ndsk verksamhet. Valutarisk  de\ufb01nieras som risken f\u00f6r f\u00f6rlust h\u00e4nf\u00f6rlig till investeringar i  utl\u00e4ndsk verksamhet som har en annan funktionell valuta \u00e4n  koncernens rapporteringsvaluta.  Valutakurskomponenten i \ufb01nansiella instrument som  anv\u00e4nds som s\u00e4kringsinstrument i en s\u00e4kring av nettoinveste - ring i ett koncernf\u00f6retag redovisas, i den m\u00e5n s\u00e4kringen \u00e4r  effektiv, under \u00f6vrigt totalresultat. Detta f\u00f6r att neutralisera  de omr\u00e4kningsdifferenser som p\u00e5verkar \u00f6vrigt totalresultat  n\u00e4r koncernf\u00f6retagen konsolideras, inklusive omv\u00e4rderingen  av eventuella utvidgade nettoinvesteringar. Eventuell ineffek- tiv del av s\u00e4kringen redovisas i resultatr\u00e4kningen under \u201dNet- toresultat av poster till verkligt v\u00e4rde\u201d. Se \u00e4ven not K1 \u201dRedovisningsprinciper\u201d, avsnittet \u201dOmr\u00e4k- ning av tillg\u00e5ngar och skulder i utl\u00e4ndsk valuta \u201d. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForHedgingExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-642": {
   "value": "K3.7 Utl\u00e5ning Redovisningsprinciper L\u00e5n \u00e4r \ufb01nansiella instrument med fasta eller fastst\u00e4llbara  betalningar som inte enkelt kan \u00f6verf\u00f6ras utan g\u00e4lden\u00e4rens  medgivande. L\u00e5n klassi\ufb01ceras och v\u00e4rderas i enlighet med  beskrivningen i not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d. Nedan  f\u00f6ljer Nordeas redovisningsprinciper g\u00e4llande kreditf\u00f6rluster.  Mer information om kreditrisk i utl\u00e5ningen \ufb01nns i not K11  \u201dRisk- och likviditetshantering\u201d. Finansiella instrument som klassi\ufb01cerats i kategorin \u201dUpp- lupet anskaffningsv\u00e4rde\u201d eller \u201dVerkligt v\u00e4rde via \u00f6vrigt total- resultat\u201d omfattas av pr\u00f6vning av nedskrivningsbehov till  f\u00f6ljd av kreditrisk. H\u00e4r ing\u00e5r tillg\u00e5ngar som i balansr\u00e4kningen  redovisats som \u201dUtl\u00e5ning till centralbanker\u201d, \u201dUtl\u00e5ning till kre- ditinstitut\u201d, \u201dUtl\u00e5ning till allm\u00e4nheten\u201d samt \u201dR\u00e4nteb\u00e4rande  v\u00e4rdepapper\u201d. I utl\u00e5ning till allm\u00e4nheten ing\u00e5r \ufb01nansiell lea- sing, som ocks\u00e5 omfattas av pr\u00f6vning av nedskrivningsbehov.  Bland dessa balansposter \ufb01nns \u00e4ven tillg\u00e5ngar som klassi\ufb01- cerats i kategorin \u201dVerkligt v\u00e4rde via resultatr\u00e4kningen\u201d och  som inte omfattas av n\u00e5gon pr\u00f6vning av nedskrivningsbeho- vet. Se \u00e4ven not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d. \u00c4ven \u00e5taganden utanf\u00f6r balansr\u00e4kningen, eventualf\u00f6rplik- telser och kredit\u00e5taganden ska pr\u00f6vas f\u00f6r  nedskrivningsbehov. Redovisning och presentation Tillg\u00e5ngar v\u00e4rderade till upplupet anskaffningsv\u00e4rde redovi- sas brutto, med en separat reservering f\u00f6r f\u00f6rv\u00e4ntade kredit- f\u00f6rluster om f\u00f6rlusten inte betraktas som de\ufb01nitiv. Reserverna  kvittas mot utl\u00e5ningen i balansr\u00e4kningen, men presenteras  separat i denna not. F\u00f6r\u00e4ndringar av reserveringar redovisas i  resultatr\u00e4kningen och klassi\ufb01ceras som \u201dKreditf\u00f6rluster,  netto\u201d. Om nedskrivningen anses vara de\ufb01nitiv redovisas den som  en konstaterad kreditf\u00f6rlust, och det redovisade v\u00e4rdet p\u00e5  l\u00e5net j\u00e4mte tillh\u00f6rande reservering f\u00f6r kreditf\u00f6rluster tas bort  fr\u00e5n balansr\u00e4kningen. En nedskrivning anses vara de\ufb01nitiv  n\u00e4r konkursans\u00f6kan inges mot l\u00e5ntagaren och konkursf\u00f6rval- taren har presenterat den ekonomiska utg\u00e5ngen av konkurs- f\u00f6rfarandet, eller n\u00e4r Nordea eftersk\u00e4nker sina fordringar  genom rekonstruktion p\u00e5 antingen r\u00e4ttslig eller frivillig grund  eller n\u00e4r Nordea av andra sk\u00e4l bed\u00f6mer \u00e5tervinning av for- dran som osannolik. Se \u00e4ven avsnittet \u201dAvskrivningar\u201d nedan. Avs\u00e4ttningar f\u00f6r poster utanf\u00f6r balansr\u00e4kningen klassi\ufb01ce- ras som \u201dAvs\u00e4ttningar\u201d i balansr\u00e4kningen, med f\u00f6r\u00e4ndringar i  avs\u00e4ttningar klassi\ufb01cerade som \u201dKreditf\u00f6rluster, netto\u201d. Tillg\u00e5ngar klassi\ufb01cerade som \u201dVerkligt v\u00e4rde via \u00f6vrigt  totalresultat\u201d redovisas till verkligt v\u00e4rde i balansr\u00e4kningen.  Nedskrivningar ber\u00e4knade i enlighet med IFRS 9 redovisas i  resultatr\u00e4kningen och klassi\ufb01ceras som \u201dKreditf\u00f6rluster,  netto\u201d. Eventuella justeringar till verkligt v\u00e4rde redovisas i  \u201d\u00d6vrigt totalresultat\u201d.  Pr\u00f6vning av nedskrivningsbehov  Nordea klassi\ufb01cerar alla l\u00e5nefordringar i olika kategorier p\u00e5  individuell basis. Kategori 1 inkluderar tillg\u00e5ngar utan bety- dande \u00f6kning av kreditrisken sedan f\u00f6rsta redovisningstillf\u00e4l- let, kategori 2 inkluderar tillg\u00e5ngar med betydande \u00f6kning av  kreditrisken och kategori 3 (os\u00e4kra l\u00e5nefordringar) inkluderar  fallerade tillg\u00e5ngar. Nordea f\u00f6ljer upp om det \ufb01nns indikatio- ner p\u00e5 kreditf\u00f6rs\u00e4mring (kategori 3) genom att identi\ufb01era  h\u00e4ndelser med negativ inverkan p\u00e5 ber\u00e4knade framtida kas- safl\u00f6den (f\u00f6rlusth\u00e4ndelse). Nordea till\u00e4mpar samma de\ufb01ni- tion p\u00e5 fallissemang som i kapitalt\u00e4ckningsf\u00f6rordningen. Mer  information om identi\ufb01ering av f\u00f6rlusth\u00e4ndelser \ufb01nns i not  K11 \u201dRisk- och likviditetshantering\u201d. L\u00e5nefordringar som inte  har individuellt ber\u00e4knade reserver ing\u00e5r i pr\u00f6vningen av  nedskrivningsbehovet baserat p\u00e5 statistiska modeller. F\u00f6r l\u00e5nefordringar med betydande v\u00e4rde d\u00e4r en kredith\u00e4n- delse har identi\ufb01erats, pr\u00f6vas nedskrivningsbehovet p\u00e5 indivi- duell basis. Om l\u00e5nefordringen bed\u00f6ms vara os\u00e4ker g\u00f6rs en  individuell reservering. Det redovisade v\u00e4rdet p\u00e5 l\u00e5nefordring- en j\u00e4mf\u00f6rs med den nuv\u00e4rdesber\u00e4knade summan av f\u00f6rv\u00e4n- tade framtida kassafl\u00f6den. Om det redovisade v\u00e4rdet \u00e4r h\u00f6gre  redovisas skillnaden som en nedskrivningsf\u00f6rlust. De f\u00f6rv\u00e4n- tade kassafl\u00f6dena diskonteras med den ursprungliga effektiva  r\u00e4ntan och innefattar verkligt v\u00e4rde f\u00f6r s\u00e4kerheter och andra  kreditf\u00f6rst\u00e4rkningar. Nuv\u00e4rdesber\u00e4kningen baseras p\u00e5 tre  olika fram\u00e5tblickande scenarier som \u00e4r sannolikhetsviktade. F\u00f6r l\u00e5nefordringar som inte \u00e4r betydande d\u00e4r ett individu- ellt nedskrivningsbehov har identi\ufb01erats, ber\u00e4knas nedskriv- ningsbeloppet utifr\u00e5n den modell som beskrivs nedan, men  med h\u00e4nsyn till att l\u00e5nefordringarna redan \u00e4r fallerade. Nordea anv\u00e4nder sig inte av undantaget \u201dl\u00e5g kreditrisk\u201d i  bankverksamheten, men d\u00e4remot f\u00f6r en mindre portf\u00f6lj av  r\u00e4nteb\u00e4rande v\u00e4rdepapper i f\u00f6rs\u00e4kringsr\u00f6relsen.  Pr\u00f6vning av nedskrivningsbehov f\u00f6r l\u00e5n  v\u00e4rderade enligt statistiska modeller F\u00f6r l\u00e5nefordringar d\u00e4r inget nedskrivningsbehov identi\ufb01era- des i den individuella pr\u00f6vningen anv\u00e4nds en kollektiv modell  f\u00f6r ber\u00e4kning av nedskrivningsbehov. Reserveringarna ber\u00e4k- nas som l\u00e5nefordring vid fallissemang g\u00e5nger sannolikheten  f\u00f6r fallissemang g\u00e5nger f\u00f6rlusten i h\u00e4ndelse av fallissemang.  F\u00f6r tillg\u00e5ngar i kategori 1 baseras ber\u00e4kningen endast p\u00e5 de  kommande 12 m\u00e5naderna, medan den f\u00f6r tillg\u00e5ngar i kate- gori 2 och 3 baseras p\u00e5 tillg\u00e5ngens f\u00f6rv\u00e4ntade l\u00f6ptid. Reserveringar f\u00f6r l\u00e5nefordringar d\u00e4r det inte skett n\u00e5gon  betydande \u00f6kning av kreditrisken sedan f\u00f6rsta redovisnings- tillf\u00e4llet baseras p\u00e5 f\u00f6rv\u00e4ntade kreditf\u00f6rluster under kom- mande 12 m\u00e5nader (kategori 1). Reserveringar f\u00f6r l\u00e5neford- ringar d\u00e4r det har skett en betydande \u00f6kning av kreditrisken  sedan f\u00f6rsta redovisningstillf\u00e4llet, men d\u00e4r ingen nedskriv- ning har gjorts, baseras p\u00e5 f\u00f6rv\u00e4ntade kreditf\u00f6rluster under  hela den \u00e5terst\u00e5ende l\u00f6ptiden (kategori 2). Detta g\u00e4ller \u00e4ven  f\u00f6r os\u00e4kra fordringar som inte \u00e4r betydande i kategori 3. Nordea anv\u00e4nder tv\u00e5 olika modeller f\u00f6r att fastst\u00e4lla om det  har skett en betydande \u00f6kning av kreditrisken eller inte. F\u00f6r  tillg\u00e5ngar som innehades vid \u00f6verg\u00e5ngen till IFRS 9 den  1 januari 2018 anv\u00e4nds f\u00f6r\u00e4ndringen i interna rating- och sco- ringuppgifter f\u00f6r att fastst\u00e4lla om det skett en betydande  \u00f6kning av kreditrisken eller inte. Interna rating-/scoringuppgif- ter anv\u00e4nds f\u00f6r att bed\u00f6ma risken hos kunderna, och en f\u00f6r- s\u00e4mrad rating/scoring f\u00f6r en kund tyder p\u00e5 att kreditrisken har  \u00f6kat. Nordea har dragit slutsatsen att det inte \u00e4r m\u00f6jligt att vid  kreditgivningen ber\u00e4kna sannolikheten f\u00f6r fallissemang (PD)  f\u00f6r den \u00e5terst\u00e5ende l\u00f6ptiden utan bed\u00f6mningar i efterhand av  tillg\u00e5ngar som redan redovisas i balansr\u00e4kningen vid \u00f6ver- g\u00e5ngen. F\u00f6r\u00e4ndringar i PD f\u00f6r den \u00e5terst\u00e5ende l\u00f6ptiden  anv\u00e4nds som utl\u00f6sande faktor f\u00f6r tillg\u00e5ngar redovisade efter  \u00f6verg\u00e5ngen . F\u00f6r tillg\u00e5ngar som bed\u00f6ms utifr\u00e5n PD f\u00f6r den \u00e5terst\u00e5ende l\u00f6ptiden anv\u00e4nder Nordea en blandning av absoluta och rela- tiva f\u00f6r\u00e4ndringar i PD som kriterium f\u00f6r \u00f6verf\u00f6ringen. \u2022  Retail-kunder med ett ursprungligt tolvm\u00e5naders PD under 1 procent: L\u00e5nefordringar med en relativ \u00f6kning i PD f\u00f6r den \u00e5terst\u00e5ende l\u00f6ptiden p\u00e5 \u00f6ver 100 procent och en absolut \u00f6kning av tolvm\u00e5naders PD p\u00e5 \u00f6ver 45 punkter \u00f6verf\u00f6rs till kategori 2. \u2022  Retail-kunder med ett ursprungligt tolvm\u00e5naders PD \u00f6ver eller lika med 1 procent: L\u00e5nefordringar med en relativ \u00f6kning i PD f\u00f6r den \u00e5terst\u00e5ende l\u00f6ptiden p\u00e5 \u00f6ver 100 pro- cent eller en absolut \u00f6kning av tolvm\u00e5naders PD p\u00e5 \u00f6ver 300 punkter \u00f6verf\u00f6rs till kategori 2. \u2022  F\u00f6retags- och institutionella kunder med ett ursprungligt tolvm\u00e5naders PD under 0,5 procent: L\u00e5nefordringar med en relativ \u00f6kning i PD f\u00f6r den \u00e5terst\u00e5ende l\u00f6ptiden p\u00e5 \u00f6ver 150 procent och en absolut \u00f6kning av tolvm\u00e5naders PD p\u00e5 \u00f6ver 20 punkter \u00f6verf\u00f6rs till kategori 2. \u2022  F\u00f6retags- och institutionella kunder med ett ursprungligt tolvm\u00e5naders PD p\u00e5 \u00f6ver eller lika med 0,5 procent: L\u00e5nefor- dringar med en relativ \u00f6kning i PD f\u00f6r den \u00e5terst\u00e5ende l\u00f6p- tiden p\u00e5 \u00f6ver 150 procent eller en absolut \u00f6kning av tolvm\u00e5naders PD p\u00e5 \u00f6ver 400 punkter \u00f6verf\u00f6rs till kategori 2. F\u00f6r tillg\u00e5ngar d\u00e4r rating- och scoringmodeller anv\u00e4nds, kali- breras rating-/scoringf\u00f6r\u00e4ndringen f\u00f6r att matcha den bety- dande \u00f6kningen av kreditrisken utifr\u00e5n PD f\u00f6r den \u00e5terst\u00e5- ende l\u00f6ptiden. Dessutom \u00f6verf\u00f6rs kunder som omfattas av f\u00f6rmildrande kreditvillkor och kunder som \u00e4r mer \u00e4n 30 dagar sena med sina betalningar till kategori 2, s\u00e5vida inte ett ned- skrivningsbehov redan har identi\ufb01erats (kategori 3). L\u00e5ne- fordringar som omfattas av f\u00f6rmildrande kreditvillkor kvar- st\u00e5r i kategori 2 under en pr\u00f6votid p\u00e5 24 m\u00e5nader, fr\u00e5n och med den tidpunkt d\u00e5 \u00e5tg\u00e4rderna inf\u00f6rdes. N\u00e4r l\u00e5nefordring- arna efter pr\u00f6votidens slut \u00e5terf\u00f6rs till kategori 1 hanteras de p\u00e5 samma s\u00e4tt som andra l\u00e5nefordringar i kategori 1 i fr\u00e5ga om bed\u00f6mningen av om det f\u00f6religger en v\u00e4sentlig \u00f6kning av kreditrisken. L\u00e5nefordringar d\u00e4r kunderna \u00e4r mer \u00e4n 90 dagar sena med sina betalningar klassi\ufb01ceras normalt i kategori 3, men denna klassi\ufb01cering \u00e4ndras om det \ufb01nns bevis f\u00f6r att kunden inte har fallerat. S\u00e5dana l\u00e5nefordringar klassi\ufb01ceras i kategori 2. L\u00e5nefordringar med \u201dh\u00f6g risk\u201d, det vill s\u00e4ga med en rating p\u00e5 2 eller l\u00e4gre, \u00f6verf\u00f6rs ocks\u00e5 till kategori 2. Vid ber\u00e4kningen av reserveringar, inklusive kategoriindel- ningen, anv\u00e4nds b\u00e5de historisk information och sannolikhets- viktad, fram\u00e5tblickande information. Nordea anv\u00e4nder tre makroekonomiska scenarier f\u00f6r att ta h\u00e4nsyn till de icke-linj\u00e4- ra aspekterna av f\u00f6rv\u00e4ntade kreditf\u00f6rluster. De olika scenari- erna anv\u00e4nds f\u00f6r att justera de aktuella parametrarna f\u00f6r ber\u00e4kning av f\u00f6rv\u00e4ntade kreditf\u00f6rluster, och ett sannolikhets- viktat genomsnitt av de f\u00f6rv\u00e4ntade f\u00f6rlusterna enligt respek- tive scenario redovisas som reserveringar. Modellen anv\u00e4nder sig av data som samlats in f\u00f6re balansdagen, vilket inneb\u00e4r att Nordea m\u00e5ste identi\ufb01era h\u00e4ndelser som skulle kunna p\u00e5verka reserveringarna efter datainsamlingen. Ledningen utv\u00e4rderar dessa h\u00e4ndelser och justerar reserveringarna, om detta bed\u00f6ms n\u00f6dv\u00e4ndigt. Bortskrivningar Bortskrivningar inneb\u00e4r att l\u00e5n eller kundfordringar avf\u00f6rs fr\u00e5n balansr\u00e4kningen samtidigt som motsvarande kreditf\u00f6r- lustreservering realiseras. N\u00e4r fordringar bed\u00f6ms vara om\u00f6j- liga att driva in ska de snarast m\u00f6jligt bortskrivas, oavsett om det r\u00e4ttsliga anspr\u00e5ket kvarst\u00e5r eller inte. En bortskrivning kan g\u00f6ras innan eventuella r\u00e4ttsliga \u00e5tg\u00e4rder mot l\u00e5ntagaren, f\u00f6r att \u00e5tervinna skulden, har slutf\u00f6rts. \u00c4ven om en fordran som inte kan drivas in bortskrivs eller avf\u00f6rs fr\u00e5n balansr\u00e4k- ningen har kunden en r\u00e4ttslig skyldighet att betala den ute- st\u00e5ende skulden. Vid bed\u00f6mningen av huruvida os\u00e4kra l\u00e5ne- fordringar kan \u00e5tervinnas och om bortskrivning kr\u00e4vs, \u00e4r det framf\u00f6r allt l\u00e5nefordringar med f\u00f6ljande egenskaper som st\u00e5r i fokus (listan \u00e4r inte utt\u00f6mmande): \u2022  L\u00e5nefordringar d\u00e4r kunderna \u00e4r mer \u00e4n 90 dagar sena med betalningen. Om en l\u00e5nefordring, eller del av den, efter den h\u00e4r bed\u00f6mningen anses vara om\u00f6jlig att driva in, bortskrivs den. \u2022  L\u00e5nefordringar som omfattas av insolvensf\u00f6rfarande och har l\u00e5g s\u00e4kerhetst\u00e4ckning. \u2022  L\u00e5nefordringar d\u00e4r juridiska kostnader f\u00f6rv\u00e4ntas f\u00f6rbruka beh\u00e5llningen fr\u00e5n konkursf\u00f6rfarandet, med l\u00e5ga \u00e5tervin- ningsv\u00e4rden som f\u00f6ljd. \u2022  Delbortskrivning kan vara befogad n\u00e4r det \ufb01nns rimliga ekonomiska bel\u00e4gg f\u00f6r att l\u00e5ntagaren inte kan \u00e5terbetala hela beloppet, det vill s\u00e4ga en avsev\u00e4rd del av skulden kan inte p\u00e5 rimliga grunder s\u00e4gas vara \u00e5tervinningsbar genom f\u00f6rmildrande kreditvillkor eller realisering av s\u00e4kerheter. \u2022  Rekonstruktionsfall. Diskonteringsr\u00e4nta Diskonteringsr\u00e4ntan som anv\u00e4nds f\u00f6r v\u00e4rdering av os\u00e4kra l\u00e5nefordringar motsvarar den ursprungliga effektiva r\u00e4ntan f\u00f6r l\u00e5n h\u00e4nf\u00f6rliga till en enskild kund eller, i f\u00f6rekommande fall, till en grupp av l\u00e5nefordringar. Om s\u00e5 anses l\u00e4mpligt kan diskonteringsr\u00e4ntan ber\u00e4knas med en metod som resulterar i en nedskrivning som utg\u00f6r en rimlig uppskattning av vad en ber\u00e4kning grundad p\u00e5 effektivr\u00e4ntemetoden skulle ge. Omstrukturerade l\u00e5nefordringar och modi\ufb01eringar Med en omstrukturerad l\u00e5nefordran avses i detta samman- hang en l\u00e5nefordran d\u00e4r Nordea har beviljat l\u00e5ntagaren efter- gifter till f\u00f6ljd av dennes ekonomiska sv\u00e5righeter och d\u00e4r s\u00e5dana eftergifter har gett upphov till en kreditf\u00f6rlust f\u00f6r Nordea. Efter en omstrukturering betraktas l\u00e5nefordran vanli- gen inte l\u00e4ngre som os\u00e4ker om \u00e5tagandena fullf\u00f6ljs i enlighet med de nya villkoren. I det fall en \u00e5tervinning sker redovisas betalningen som en \u00e5tervinning av kreditf\u00f6rluster. Modi\ufb01ering av de avtalsenliga kassafl\u00f6dena f\u00f6r l\u00e5n till kunder med ekonomiska sv\u00e5righeter (f\u00f6rmildrande kreditvillkor) mins- kar det redovisade l\u00e5nebeloppet, brutto. Normalt \u00e4r denna minskning mindre \u00e4n den be\ufb01ntliga reserveringen, och ingen f\u00f6rlust redovisas i resultatr\u00e4kningen till f\u00f6ljd av modi\ufb01ering. Om de \u00e4r betydande, minskas bruttobeloppen (l\u00e5n och reservering). Tillg\u00e5ngar \u00f6vertagna f\u00f6r skyddande av fordran I en \ufb01nansiell omstrukturering kan l\u00e5ngivaren komma att avst\u00e5 fr\u00e5n l\u00e5nefordringar till f\u00f6rm\u00e5n f\u00f6r l\u00e5ntagaren och i utby- te mot denna eftergift ta \u00f6ver tillg\u00e5ngar som l\u00e4mnats som s\u00e4kerhet f\u00f6r l\u00e5nen, aktier som emitterats av l\u00e5ntagaren eller andra tillg\u00e5ngar. En tillg\u00e5ng \u00f6vertagen f\u00f6r skyddande av for- dran redovisas i balansr\u00e4kningen tillsammans med liknande tillg\u00e5ngar som redan innehas av Nordea. En \u00f6vertagen fastig- het som inte innehas f\u00f6r eget utnyttjande redovisas till exem- pel tillsammans med andra f\u00f6rvaltningsfastigheter. Alla tillg\u00e5ngar som \u00f6vertagits f\u00f6r skyddande av fordran redovisas vid f\u00f6rsta redovisningstillf\u00e4llet till verkligt v\u00e4rde och eventuell skillnad mellan l\u00e5nets redovisade v\u00e4rde och det verkliga v\u00e4rdet p\u00e5 den \u00f6vertagna tillg\u00e5ngen redovisas under posten \u201dKreditf\u00f6rluster, netto\u201d. Det verkliga v\u00e4rdet p\u00e5 redovis- ningsdagen blir tillg\u00e5ngens anskaffningsv\u00e4rde eller upplupna anskaffningsv\u00e4rde, beroende p\u00e5 vad som \u00e4r till\u00e4mpligt. Under efterf\u00f6ljande perioder v\u00e4rderas tillg\u00e5ngar som \u00f6vertagits f\u00f6r skyddande av fordran i enlighet med g\u00e4llande v\u00e4rderings- principer f\u00f6r tillg\u00e5ngsslaget. F\u00f6rvaltningsfastigheter v\u00e4rderas d\u00e5 till verkligt v\u00e4rde. \u00d6vertagna \ufb01nansiella tillg\u00e5ngar klassi\ufb01- ceras generellt i kategorin \u201dVerkligt v\u00e4rde via resultatr\u00e4kning- en\u201d och v\u00e4rderas till verkligt v\u00e4rde. F\u00f6r\u00e4ndringar i verkligt v\u00e4rde redovisas i resultatr\u00e4kningen under posten \u201dNettoresul- tat av poster till verkligt v\u00e4rde\u201d. Eventuella v\u00e4rdef\u00f6r\u00e4ndringar efter den \u00f6vertagna tillg\u00e5ng- ens f\u00f6rsta redovisningstillf\u00e4lle, redovisas i resultatr\u00e4kningen i enlighet med koncernens principer f\u00f6r presentation av till- g\u00e5ngsslaget. Posten \u201dKreditf\u00f6rluster, netto\u201d i resultatr\u00e4kning- en p\u00e5verkas f\u00f6ljaktligen inte av nya v\u00e4rderingar av den \u00f6ver- tagna tillg\u00e5ngen efter f\u00f6rsta redovisningstillf\u00e4llet. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForLoansAndReceivablesExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-646": {
   "value": "<div class=\"t_11 m0_11 h8_10 ff1_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:240.41235px;\">Utl\u00e5ning och os\u00e4kra l\u00e5nef<span class=\"__11 _617\"/>ordringar </div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:223.77533px;\">Mn euro<span class=\"__11 _b_10\"> </span>31 dec 2022<span class=\"__11 _c_10\"> </span>31 dec 2021<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:207.3692px;\">Utl\u00e5ning v\u00e4rderad till v<span class=\"__11 _617\"/>erkligt v\u00e4rde<span class=\"__11 _d_10\"> </span><span class=\"ls6_10 ws8_10\">7<span class=\"__11 _626\"/>3 24<span class=\"__11 _626\"/>8<span class=\"__11 _e_10\"> </span></span>75 77<span class=\"__11 _626\"/>2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:191.69897px;\">Utl\u00e5ning v\u00e4rderad till uppl<span class=\"__11 _617\"/><span class=\"__11 _624\">upet anskaffningsv\u00e4r</span><span class=\"__11 _617\"/>de som int<span class=\"__11 _617\"/>e \u00e4r os\u00e4kra (kategori 1 och 2)<span class=\"__11 _f_10\"> </span>277 371<span class=\"__11 _627\"> </span>270 364<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:176.02878px;\">Os\u00e4kra l\u00e5nef<span class=\"__11 _617\"/>ordringar (kategori 3)<span class=\"__11 _628\"> </span>2 255<span class=\"__11 _629\"> </span>3 512<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:158.8844px;\">- vara<span class=\"__11 _617\"/>v reglerade<span class=\"__11 _630\"> </span>1 111<span class=\"__11 _631\"> </span>1 642<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:143.21417px;\">- vara<span class=\"__11 _617\"/>v oreglerade<span class=\"__11 _632\"> </span>1 144<span class=\"__11 _631\"> </span>1 870<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:127.543976px;\">Utl\u00e5ning f\u00f6re r<span class=\"__11 _617\"/>eserver<span class=\"__11 _633\"> </span>352 87<span class=\"__11 _617\"/>4<span class=\"__11 _634\"> </span>349 648<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:111.87378px;\">- vara<span class=\"__11 _617\"/>v cen<span class=\"__11 _617\"/>tralbanker och kreditins<span class=\"__11 _617\"/>titut<span class=\"__11 _635\"> </span>5 487<span class=\"__11 _631\"> </span>2 395<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:96.20358px;\">Reserver f<span class=\"__11 _617\"/>\u00f6r individuellt v\u00e4rder<span class=\"__11 _617\"/>ade l\u00e5nefor<span class=\"__11 _617\"/>dringar (kategori 3)<span class=\"__11 _636\"> </span>-1 045<span class=\"__11 _1a_7\"> </span>-1 610<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:80.53339px;\">- vara<span class=\"__11 _617\"/>v reglerade<span class=\"__11 _630\"> </span>-556<span class=\"__11 _1b_7\"> </span>-800<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:64.86319px;\">- vara<span class=\"__11 _617\"/>v oreglerade<span class=\"__11 _1c_7\"> </span><span class=\"ls7_10 ws9_10\">-489<span class=\"__11 _1d_7\"> </span></span>-810<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:49.192993px;\">Reserver f<span class=\"__11 _617\"/>\u00f6r gruppvisa v\u00e4rder<span class=\"__11 _617\"/>ade l\u00e5nefor<span class=\"__11 _617\"/>dringar (kategori 1 och 2)<span class=\"__11 _1e_7\"> </span>-628<span class=\"__11 _1f_7\"> </span>-596<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:33.522797px;\">Reserver<span class=\"__11 _637\"> </span>-1 673<span class=\"__11 _e_10\"> </span>-<span class=\"__11 _617\"/>2 206<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:17.8526px;\">- vara<span class=\"__11 _617\"/>v cen<span class=\"__11 _617\"/>tralbanker och kreditins<span class=\"__11 _617\"/>titut<span class=\"__11 _638\"> </span><span class=\"ls6_10 ws8_10\">-29<span class=\"__11 _639\"> </span></span>-3<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:4.2144775px; bottom:2.182373px;\">Utl\u00e5ning, redovisat v<span class=\"__11 _617\"/>\u00e4rde<span class=\"__11 _640\"> </span>351 201<span class=\"__11 _641\"> </span>347 442<span class=\"__11 _624\"> </span></div>2.6 Individuell och modellbaserad<span class=\"__14 _1ce\"> </span> pr\u00f6vning a<span class=\"__14 _b_13\"/>v nedskrivningsbehov<span class=\"__14 _1ce\"> </span>Nedskrivningskra<span class=\"__14 _b_13\"/>ven anges i IFRS 9 och baseras p\u00e5 en<span class=\"__14 _1ce\"> </span> modell f\u00f6r f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>v\u00e4nt<span class=\"__14 _b_13\"/>ade kreditf\u00f6rluster<span class=\"__14 _1c_10\"/>, se \u00e4ven no<span class=\"__14 _1058\"/>t K3.7 \u201dUtl\u00e5<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>ning\u201d<span class=\"__14 _1c_10\"/>.<span class=\"__14 _1ce\"> </span>I samband med individuella och modellbaserade res<span class=\"__14 _1058\"/>erve-<span class=\"__14 _1ce\"> </span>ringar anv\u00e4nds tr<span class=\"__14 _1058\"/>e fram\u00e5<span class=\"__14 _b_13\"/>tblickande och viktade scenarier<span class=\"__14 _b_13\"/>. <span class=\"__14 _b_13\"/>Till-<span class=\"__14 _1ce\"> </span>g\u00e5ngar vars nedskrivningsbehov ska pr\u00f6<span class=\"__14 _b_13\"/>vas delas in i tre<span class=\"__14 _1ce\"> </span> kategorier<span class=\"__14 _1c_10\"/>, beroende p\u00e5 graden av kr<span class=\"__14 _1058\"/>editf\u00f6rs\u00e4mring. Ka<span class=\"__14 _b_13\"/>tegori<span class=\"__14 _1ce\"> </span> 1 omf<span class=\"__14 _b_13\"/>attar tillg\u00e5ngar utan n\u00e5gon v\u00e4sentlig \u00f6kning a<span class=\"__14 _b_13\"/>v kredit-<span class=\"__14 _1ce\"> </span>risken, kategori 2 om<span class=\"__14 _b_13\"/>fattar tillg\u00e5ngar med en v<span class=\"__14 _1058\"/>\u00e4sentlig \u00f6kning<span class=\"__14 _1ce\"> </span> av kr<span class=\"__14 _b_13\"/>editrisken och kategori 3 omf<span class=\"__14 _b_13\"/>attar fallerade tillg\u00e5ngar<span class=\"__14 _1ce\"> </span> (omf<span class=\"__14 _b_13\"/>attas av nedskrivning). <span class=\"__14 _b_13\"/>Alla tillg\u00e5ngar kategoriseras indi-<span class=\"__14 _1ce\"> </span>viduellt. F\u00f6r betydande tillg\u00e5ngar i ka<span class=\"__14 _b_13\"/>tegori 3 bed\u00f6ms ned-<span class=\"__14 _1ce\"> </span>skrivningsbehovet individuellt. F<span class=\"__14 _1058\"/>\u00f6r tillg\u00e5ngar i kategori 1 och<span class=\"__14 _1ce\"> </span> kategori 2, och f<span class=\"__14 _b_13\"/>\u00f6r tillg\u00e5ngar av obetydligt v\u00e4r<span class=\"__14 _b_13\"/>de i kategori 3,<span class=\"__14 _1ce\"> </span> g\u00f6rs modellbaserade bed\u00f6mningar<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>Nordea granskar k<span class=\"__14 _1058\"/>ontinuerligt kreditportf<span class=\"__14 _b_13\"/>\u00f6ljens kvalitet i<span class=\"__14 _1ce\"> </span> syfte att identi\ufb01er<span class=\"__14 _b_13\"/>a och begr\u00e4nsa nedskrivningsbehovet.<span class=\"__14 _1ce\"> </span> For<span class=\"__14 _1058\"/>dringar med h\u00f6g eller \u00f6kad risk och for<span class=\"__14 _b_13\"/>dringar som omfat-<span class=\"__14 _1ce\"> </span>tas av nedskrivning \u00f6<span class=\"__14 _b_13\"/>vervakas noga och granskas minst en<span class=\"__14 _1ce\"> </span> g\u00e5ng per kvartal med avs<span class=\"__14 _1058\"/>eende p\u00e5 aktuell \ufb01nansiell s<span class=\"__14 _1058\"/>t\u00e4llning,<span class=\"__14 _1ce\"> </span> fram<span class=\"__14 _b_13\"/>tidsutsikter<span class=\"__14 _b_13\"/>, fram<span class=\"__14 _b_13\"/>tida \u00e5terbetalningsf\u00f6rm\u00e5ga sam<span class=\"__14 _b_13\"/>t even-<span class=\"__14 _1ce\"> </span>tuellt behov a<span class=\"__14 _b_13\"/>v individuella reserveringar<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>Speci\ufb01ka kreditriskjust<span class=\"__14 _1058\"/>eringar omf<span class=\"__14 _b_13\"/>attar individuella och<span class=\"__14 _1ce\"> </span> modellbaserade res<span class=\"__14 _1058\"/>erveringar<span class=\"__14 _b_13\"/>. Dessa justeringar redovisas<span class=\"__14 _1ce\"> </span> som kreditf<span class=\"__14 _b_13\"/>\u00f6rluster i resulta<span class=\"__14 _1058\"/>tr\u00e4kningen och som a<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span> och reserveringar i balansr\u00e4kningen. Individuella r<span class=\"__14 _b_13\"/>eser<span class=\"__14 _1072\"/>ve-<span class=\"__14 _1ce\"> </span>ringar leder till att l\u00e5nen redo<span class=\"__14 _1058\"/>visas som faller<span class=\"__14 _b_13\"/>ade tillg\u00e5ngar.<span class=\"__14 _1ce\"> </span>Individuella reserveringar<span class=\"__14 _1ce\"> </span>Individuella reserveringar g\u00f6rs om det enligt kredith\u00e4ndelser<span class=\"__14 _1ce\"> </span> \u00e4r troligt att k<span class=\"__14 _1058\"/>undens fram<span class=\"__14 _b_13\"/>tida kassafl\u00f6de p\u00e5verkas nega<span class=\"__14 _b_13\"/>tivt i<span class=\"__14 _1ce\"> </span> s\u00e5dan utstr\u00e4ckning a<span class=\"__14 _b_13\"/>tt full \u00e5terbetalning (med s\u00e4kerheter<span class=\"__14 _1ce\"> </span> inr\u00e4knade) in<span class=\"__14 _b_13\"/>te l\u00e4ngre \u00e4r sannolik.<span class=\"__14 _1ce\"> </span>For<span class=\"__14 _1058\"/>dringar med individuella reserveringar omf<span class=\"__14 _b_13\"/>attas av ned-<span class=\"__14 _1ce\"> </span>skrivningar och h\u00f6r till kategori 3 (f<span class=\"__14 _b_13\"/>allerade). Reserveringens<span class=\"__14 _1ce\"> </span> storlek mo<span class=\"__14 _1058\"/>tsvarar den f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>v\u00e4n<span class=\"__14 _1058\"/>tade f\u00f6rl<span class=\"__14 _1058\"/>usten, det vill s\u00e4ga skill-<span class=\"__14 _1ce\"> </span>naden mellan det redovisade v<span class=\"__14 _1058\"/>\u00e4rdet a<span class=\"__14 _b_13\"/>v den utest\u00e5ende for-<span class=\"__14 _1ce\"> </span>dran och det diskon<span class=\"__14 _b_13\"/>terade v\u00e4rdet a<span class=\"__14 _b_13\"/>v f\u00f6rv\u00e4ntade f<span class=\"__14 _1058\"/>ram<span class=\"__14 _1058\"/>tida kas-<span class=\"__14 _1ce\"> </span>safl\u00f6den, inklusive v<span class=\"__14 _b_13\"/>\u00e4rdet av pantsa<span class=\"__14 _b_13\"/>tt egendom.<span class=\"__14 _1ce\"> </span>Modellbaserade reserveringar<span class=\"__14 _1ce\"> </span>Modellbaserade res<span class=\"__14 _1058\"/>erveringar g\u00f6rs kvartalsvis och bed\u00f6ms<span class=\"__14 _1ce\"> </span> f\u00f6r v<span class=\"__14 _b_13\"/>arje bolag/<span class=\"__14 _1072\"/>\ufb01lial. En viktig fak<span class=\"__14 _b_13\"/>tor som p\u00e5verk<span class=\"__14 _1058\"/>ar reserve-<span class=\"__14 _1ce\"> </span>ringar \u00e4r tr\u00f6skel<span class=\"__14 _1058\"/>v\u00e4rdet f<span class=\"__14 _b_13\"/>\u00f6r \u00f6verf\u00f6ring a<span class=\"__14 _b_13\"/>v tillg\u00e5ngar fr\u00e5n kate-<span class=\"__14 _1ce\"> </span>gori 1 till kategori 2. F<span class=\"__14 _b_13\"/>\u00f6r tillg\u00e5ngar som redovisats fr<span class=\"__14 _b_13\"/>\u00e5n 1 janu-<span class=\"__14 _1ce\"> </span>ari 2018 anv\u00e4nds f<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar i sannolikheten f\u00f6r f<span class=\"__14 _b_13\"/>allisse-<span class=\"__14 _1ce\"> </span>mang (PD) f<span class=\"__14 _b_13\"/>\u00f6r den \u00e5terst\u00e5ende l\u00f6ptiden som den utl\u00f6sande<span class=\"__14 _1ce\"> </span> fak<span class=\"__14 _b_13\"/>torn. Dessutom \u00f6verf\u00f6rs ocks\u00e5 k<span class=\"__14 _1058\"/>under som omf<span class=\"__14 _b_13\"/>attas av<span class=\"__14 _1ce\"> </span> f\u00f6rmildr<span class=\"__14 _b_13\"/>ande kreditvillkor och kunder som \u00e4r mer \u00e4n 30 dagar<span class=\"__14 _1ce\"> </span> sena med sina betalningar till kategori 2. I k<span class=\"__14 _1058\"/>ategori 1 mo<span class=\"__14 _1058\"/>tsva-<span class=\"__14 _1ce\"> </span>rar reserveringarna f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>v\u00e4n<span class=\"__14 _1058\"/>tade kreditf<span class=\"__14 _b_13\"/>\u00f6rluster under kom-<span class=\"__14 _1ce\"> </span>mande 12 m\u00e5nader<span class=\"__14 _b_13\"/>. I kategori 2 och 3 motsv<span class=\"__14 _b_13\"/>arar reservering-<span class=\"__14 _1ce\"> </span>arna f\u00f6rv\u00e4n<span class=\"__14 _b_13\"/>tade kreditf\u00f6rlust<span class=\"__14 _b_13\"/>er under hela den \u00e5terst\u00e5ende<span class=\"__14 _1ce\"> </span> l\u00f6ptiden. Resul<span class=\"__14 _b_13\"/>tatet kompletteras med en e<span class=\"__14 _b_13\"/>xper<span class=\"__14 _1072\"/>tanalys f<span class=\"__14 _b_13\"/>\u00f6r att<span class=\"__14 _1ce\"> </span> s\u00e4kerst\u00e4lla tillr\u00e4cklig r<span class=\"__14 _b_13\"/>eser<span class=\"__14 _1072\"/>vering. F<span class=\"__14 _b_13\"/>allerade kunder utan indi-<span class=\"__14 _1ce\"> </span>viduella reserveringar omf<span class=\"__14 _b_13\"/>attas av modellbaser<span class=\"__14 _b_13\"/>ade reserve-<span class=\"__14 _1ce\"> </span>ringar<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>Fallissemang<span class=\"__14 _1ce\"> </span>F\u00f6r k<span class=\"__14 _b_13\"/>under som har f\u00f6rfallna f<span class=\"__14 _1058\"/>ordringar sedan mer \u00e4n<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">90 dagar eller som \u00e4r f\u00f6r</span><span class=\"__14 _b_13\"/>em\u00e5l f\u00f6r konkurs, eller a<span class=\"__14 _b_13\"/>v andra sk\u00e4l<span class=\"__14 _1ce\"> </span> sannolikt in<span class=\"__14 _b_13\"/>te kan betala, betraktas f<span class=\"__14 _b_13\"/>ordringarna som falle-<span class=\"__14 _1ce\"> </span>rade och n\u00f6dlidande. F<span class=\"__14 _b_13\"/>ordringarna kan avse an<span class=\"__14 _1058\"/>tingen l\u00e5n d\u00e4r<span class=\"__14 _1ce\"> </span> kunderna f<span class=\"__14 _b_13\"/>or<span class=\"__14 _1072\"/>tfarande betalar (r<span class=\"__14 _b_13\"/>eglerade) eller l\u00e5n d\u00e4r kun-<span class=\"__14 _1ce\"> </span>derna ej betalar (oregler<span class=\"__14 _b_13\"/>ade).<span class=\"__14 _1ce\"> </span>Om en kund \u00e5terh\u00e4m<span class=\"__14 _b_13\"/>tar sig fr\u00e5n f<span class=\"__14 _1058\"/>allissemang anses kun-<span class=\"__14 _1ce\"> </span>den vara \u00e5<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">terst\u00e4lld. Det h\u00e4r intr\u00e4ff</span><span class=\"__14 _b_13\"/>ar om kunden lyckas skapa<span class=\"__14 _1ce\"> </span> balans i sina \ufb01nanser<span class=\"__14 _b_13\"/>. F\u00f6r att ans<span class=\"__14 _1058\"/>es vara \u00e5<span class=\"__14 _b_13\"/>terst\u00e4lld ska \u00e5ter-<span class=\"__14 _1ce\"> </span>h\u00e4mtningen om<span class=\"__14 _b_13\"/>fatta kundens sam<span class=\"__14 _b_13\"/>tliga skulder<span class=\"__14 _b_13\"/>. Det ska ocks\u00e5<span class=\"__14 _1ce\"> </span> \ufb01nnas en tillfredss<span class=\"__14 _1058\"/>t\u00e4llande \u00e5terbetalningsplan och en bed\u00f6m-<span class=\"__14 _1ce\"> </span>ning som s\u00e4ger att \u00e5t<span class=\"__14 _b_13\"/>erh\u00e4mtningen har inletts.<span class=\"__14 _1ce\"> </span>2.7 F<span class=\"__14 _b_13\"/>\u00f6rmildrande kreditvillkor<span class=\"__14 _1ce\"> </span>F\u00f6rmildr<span class=\"__14 _b_13\"/>ande kreditvillkor inneb\u00e4r l\u00e4ttnader eller omstruk<span class=\"__14 _b_13\"/>tu-<span class=\"__14 _1ce\"> </span>rering a<span class=\"__14 _b_13\"/>v kreditvillkoren till f\u00f6ljd a<span class=\"__14 _b_13\"/>v att l\u00e5ntagaren har eller \u00e4r<span class=\"__14 _1ce\"> </span> p\u00e5 v\u00e4g att f<span class=\"__14 _b_13\"/>\u00e5 ekonomiska sv\u00e5righeter<span class=\"__14 _b_13\"/>. A<span class=\"__14 _1c_10\"/>vsikten med f\u00f6rmild-<span class=\"__14 _1ce\"> </span>rande kreditvillkor under en begr<span class=\"__14 _b_13\"/>\u00e4nsad tidsperiod \u00e4r att<span class=\"__14 _1ce\"> </span> s\u00e4kerst\u00e4lla full \u00e5<span class=\"__14 _b_13\"/>terbetalning av det utes<span class=\"__14 _1058\"/>t\u00e5ende l\u00e5nebeloppet.<span class=\"__14 _1ce\"> </span> Exempel p\u00e5 l\u00e4<span class=\"__14 _1058\"/>ttnader i villkoren \u00e4r f<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar i amorte-<span class=\"__14 _1ce\"> </span>ringspro\ufb01l, \u00e5terbetalningsplan, k<span class=\"__14 _b_13\"/>undmarginal eller l\u00e4ttnader<span class=\"__14 _1ce\"> </span> g\u00e4llande kovenan<span class=\"__14 _b_13\"/>ter<span class=\"__14 _b_13\"/>. F\u00f6rmildrande kreditvillk<span class=\"__14 _b_13\"/>or till\u00e4mpas p\u00e5<span class=\"__14 _1ce\"> </span> individuell basis och kompletteras med pr<span class=\"__14 _b_13\"/>\u00f6vning av nedskriv-<span class=\"__14 _1ce\"> </span>ningsbehovet (f<span class=\"__14 _b_13\"/>\u00f6retagskunder) d\u00e5 f\u00f6rmildr<span class=\"__14 _b_13\"/>ande kreditvillkor<span class=\"__14 _1ce\"> </span> ses som en kredith\u00e4ndelse. <span class=\"__14 _b_13\"/>A<span class=\"__14 _1058\"/>vs\u00e4ttningar f<span class=\"__14 _1058\"/>\u00f6r individuella kre-<span class=\"__14 _1ce\"> </span>ditf\u00f6rlus<span class=\"__14 _b_13\"/>ter g\u00f6rs vid behov<span class=\"__14 _b_13\"/>. F\u00f6rmildrande kreditvillkor god-<span class=\"__14 _1ce\"> </span>k\u00e4nns enligt g\u00e4llande befogenhet<span class=\"__14 _b_13\"/>er och dessa l\u00e5n kan vara<span class=\"__14 _1ce\"> </span> antingen regler<span class=\"__14 _b_13\"/>ade eller oreglerade.<span class=\"__14 _1ce\"> </span>L\u00e5n med f\u00f6rmildr<span class=\"__14 _b_13\"/>ande kreditvillkor<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _4f_6\"> </span>31 dec 2022<span class=\"__14 _1094\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span>L\u00e5n med f\u00f6rmildr<span class=\"__14 _b_13\"/>ande kreditvillkor<span class=\"__14 _1125\"> </span>2 064<span class=\"__14 _1096\"> </span>3 270<span class=\"__14 _1ce\"> </span>- vara<span class=\"__14 _b_13\"/>v fallerade<span class=\"__14 _1126\"> </span>903<span class=\"__14 _1096\"> </span>1 905<span class=\"__14 _1ce\"> </span>Reserver f<span class=\"__14 _1058\"/>\u00f6r individuellt v\u00e4rder<span class=\"__14 _b_13\"/>ade os\u00e4kra<span class=\"__14 _1ce\"> </span> l\u00e5nefordringar och l\u00e5n med f<span class=\"__14 _b_13\"/>\u00f6rmildrande<span class=\"__14 _1ce\"> </span> kreditvillkor<span class=\"__14 _1078\"> </span>360<span class=\"__14 _6a_6\"> </span><span class=\"ls18_10 ws3e_5\">497<span class=\"__14 _1ce\"> </span></span>- vara<span class=\"__14 _b_13\"/>v fallerade<span class=\"__14 _6b_6\"> </span>336<span class=\"__14 _1113\"> </span>448<span class=\"__14 _1ce\"> </span>Nyckeltal<span class=\"__14 _1126\"> </span><span class=\"ff1_14 fs7_13\">31 dec 2022<span class=\"__14 _1094\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span></span>Andel l\u00e5n med f\u00f6rmildrande kr<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">editvillkor1</span><span class=\"__14 _6c_6\"> </span>0,7 %<span class=\"__14 _3b_8\"> </span>0,9 %<span class=\"__14 _1ce\"> </span>T<span class=\"__14 _b_13\"/>\u00e4ckningsgrad f\u00f6r l\u00e5n med f<span class=\"__14 _b_13\"/>\u00f6rmildrande<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">kreditvillkor2</span><span class=\"__14 _6d_6\"> </span><span class=\"ls14_11 ws3a_5\">17 %<span class=\"__14 _1121\"> </span></span>15 %<span class=\"__14 _1ce\"> </span>- vara<span class=\"__14 _b_13\"/>v fallerade<span class=\"__14 _6e_6\"> </span>37 %<span class=\"__14 _1115\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1072\"/> %<span class=\"__14 _1ce\"> </span></span>1)   <span class=\"__14 _1069\"/>L\u00e5n med f\u00f6rmildrande kr<span class=\"__14 _b_13\"/>editvillkor/L\u00e5n v\u00e4rderade till upplupet ansk<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">affningsv\u00e4rde<span class=\"__14 _1ce\"> </span></span> f\u00f6re res<span class=\"__14 _1058\"/>erveringar<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>2)   <span class=\"__14 _1069\"/>Individuella reserver f\u00f6r l\u00e5n med f<span class=\"__14 _b_13\"/>\u00f6rmildrande kreditvillkor/L\u00e5n med f<span class=\"__14 _b_13\"/>\u00f6rmildrande  kreditvillkor<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>2.8 K\u00e4nsligheter<span class=\"__14 _1ce\"> </span>En viktig f<span class=\"__14 _b_13\"/>aktor vid ber\u00e4kningen a<span class=\"__14 _b_13\"/>v f\u00f6rv\u00e4ntade kr<span class=\"__14 _1058\"/>editf\u00f6rlus<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1ce\"> </span> i enlighet med IFRS 9 \u00e4r att bed\u00f6ma vad som ut<span class=\"__14 _b_13\"/>g\u00f6r en bety-<span class=\"__14 _1ce\"> </span>dande \u00f6kning av kr<span class=\"__14 _b_13\"/>editrisken. F\u00f6r att f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>st\u00e5 k\u00e4nsligheten f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1ce\"> </span> dessa tr\u00f6skel<span class=\"__14 _b_13\"/>v\u00e4rden har Nordea med hj\u00e4lp av modeller ber<span class=\"__14 _b_13\"/>\u00e4k-<span class=\"__14 _1ce\"> </span>nat a<span class=\"__14 _b_13\"/>vs\u00e4ttningar utifr\u00e5n tv\u00e5 olika sc<span class=\"__14 _b_13\"/>enarier:<span class=\"__14 _1ce\"> </span>T<span class=\"__14 _b_13\"/>r\u00f6skel<span class=\"__14 _6f_6\"> </span>Scenario 1<span class=\"__14 _1127\"> </span>Scenario 2<span class=\"__14 _1ce\"> </span>Privatkundsportf\u00f6ljer<span class=\"__14 _1ce\"> </span>Relativt tr\u00f6sk<span class=\"__14 _b_13\"/>elv\u00e4rde<span class=\"__14 _1128\"> </span>100 %<span class=\"__14 _1129\"> </span>50 %<span class=\"__14 _1130\"> </span>150 %<span class=\"__14 _1ce\"> </span>Absolut tr\u00f6skel<span class=\"__14 _b_13\"/>v\u00e4rde,  12 m\u00e5nader<span class=\"__14 _2f_8\"> </span>45 punk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1131\"> </span>35 punkter<span class=\"__14 _1124\"> </span>55 punk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1ce\"> </span>Absolut tr\u00f6skel<span class=\"__14 _b_13\"/>v\u00e4rde,<span class=\"__14 _1ce\"> </span> \u00e5terst\u00e5ende l\u00f6p<span class=\"__14 _1058\"/>tid<span class=\"__14 _1132\"> </span>300 punkter<span class=\"__14 _1094\"> </span>250 punkter<span class=\"__14 _1133\"> </span>350 punkter<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Steg1</span><span class=\"__14 _1134\"> </span><span class=\"ls16_11 ws3c_5\">1\u20136<span class=\"__14 _1135\"> </span></span>1 mindre<span class=\"__14 _1136\"> </span>1 mer<span class=\"__14 _1ce\"> </span>\u00d6vriga kundportf\u00f6ljer<span class=\"__14 _1ce\"> </span> Relativt tr\u00f6sk<span class=\"__14 _b_13\"/>elv\u00e4rde<span class=\"__14 _7a_6\"> </span>150 %<span class=\"__14 _7b_6\"> </span>100 %<span class=\"__14 _7c_6\"> </span>200 %<span class=\"__14 _1ce\"> </span>Absolut tr\u00f6skel<span class=\"__14 _b_13\"/>v\u00e4rde,  12 m\u00e5nader<span class=\"__14 _2f_8\"> </span>20 punk<span class=\"__14 _1058\"/>ter<span class=\"__14 _7d_7\"> </span>15 punkter<span class=\"__14 _1124\"> </span>25 punkt<span class=\"__14 _1058\"/>er<span class=\"__14 _1ce\"> </span>Absolut tr\u00f6skel<span class=\"__14 _b_13\"/>v\u00e4rde,<span class=\"__14 _1ce\"> </span> \u00e5terst\u00e5ende l\u00f6p<span class=\"__14 _1058\"/>tid<span class=\"__14 _7e_6\"> </span>400 punkter<span class=\"__14 _1094\"> </span>350 punkter<span class=\"__14 _7f_7\"> </span>450 punkter<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Steg1</span><span class=\"__14 _1134\"> </span><span class=\"ls16_11 ws3c_5\">1\u20136<span class=\"__14 _1135\"> </span></span>1 mindre<span class=\"__14 _1136\"> </span>1 mer<span class=\"__14 _1ce\"> </span>1)   <span class=\"__14 _1069\"/>F\u00f6r exponeringar s<span class=\"__14 _1058\"/>om redovisades f<span class=\"__14 _1058\"/>\u00f6rsta g\u00e5ngen f\u00f6re \u00f6<span class=\"__14 _b_13\"/>verg\u00e5ngen till IFRS 9 (1 jan<span class=\"__14 _1ce\"> </span> 2018) fastst<span class=\"__14 _1058\"/>\u00e4lls kategorin utifr<span class=\"__14 _1058\"/>\u00e5n f\u00f6r\u00e4ndringar i r<span class=\"__14 _1058\"/>atingklasserna. <span class=\"__14 _b_13\"/>Tr<span class=\"__14 _1058\"/>\u00f6skelv\u00e4r<span class=\"__14 _1058\"/>det i scena-<span class=\"__14 _1ce\"> </span>rio 1 s\u00e4tts till ett steg mindre \u00e4n den modell som f<span class=\"__14 _b_13\"/>aktiskt anv\u00e4nds och i sc<span class=\"__14 _1058\"/>enario 2 s\u00e4tts<span class=\"__14 _1ce\"> </span> tr\u00f6skelv\u00e4r<span class=\"__14 _b_13\"/>det till ett steg mer \u00e4n i modellen.<span class=\"__14 _1ce\"> </span> A<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">vs\u00e4ttningarna skulle ha \u00f6kat med 20 mn eur</span><span class=\"__14 _1058\"/>o (24 mn eur<span class=\"__14 _1058\"/>o) i<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">scenario 1 och minskat med 20 mn eur</span><span class=\"__14 _b_13\"/>o (22 mn euro) i scena-<span class=\"__14 _1ce\"> </span>rio 2. Mer inf<span class=\"__14 _b_13\"/>ormation om ratingskalan och genomsnittligt PD<span class=\"__14 _1ce\"> </span> (sannolikheten f\u00f6r f<span class=\"__14 _b_13\"/>allissemang) \ufb01nns i tabellerna \u201dRating-/<span class=\"__14 _1ce\"> </span>scoringinf<span class=\"__14 _b_13\"/>ormation f\u00f6r l\u00e5n v<span class=\"__14 _1058\"/>\u00e4rderade till upplupet ansk<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">aff-<span class=\"__14 _1ce\"> </span></span>ningsv\u00e4rde\u201d p\u00e5 sidan 21<span class=\"__14 _1058\"/>7<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningarna \u00e4r k\u00e4nsliga f\u00f6r r<span class=\"__14 _b_13\"/>atingf\u00f6r\u00e4ndringar \u00e4<span class=\"__14 _b_13\"/>ven om<span class=\"__14 _1ce\"> </span> tr\u00f6skel<span class=\"__14 _1058\"/>v\u00e4rdena in<span class=\"__14 _b_13\"/>te n\u00e5s. T<span class=\"__14 _1c_10\"/>abellen nedan visar hur a<span class=\"__14 _1058\"/>vs\u00e4ttning-<span class=\"__14 _1ce\"> </span>arna p\u00e5v<span class=\"__14 _b_13\"/>erkas om kreditkvaliteten f<span class=\"__14 _b_13\"/>\u00f6r all utl\u00e5ning i Nordea<span class=\"__14 _1ce\"> </span> f\u00f6rs\u00e4mras med ett s<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">teg. H\u00e4r beaktas b\u00e5de eff</span><span class=\"__14 _1058\"/>ekten a<span class=\"__14 _b_13\"/>v den<span class=\"__14 _1ce\"> </span> h\u00f6gre risken f<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">\u00f6r alla exponeringar och effek</span><span class=\"__14 _b_13\"/>ten av \u00f6v<span class=\"__14 _1058\"/>erf\u00f6-<span class=\"__14 _1ce\"> </span>ringen fr\u00e5n ka<span class=\"__14 _b_13\"/>tegori 1 till kategori 2 av de f<span class=\"__14 _b_13\"/>ordringar som n\u00e5tt<span class=\"__14 _1ce\"> </span> tr\u00f6skel<span class=\"__14 _1058\"/>v\u00e4rdet. Detta inkluderar \u00e4<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ven effek</span><span class=\"__14 _b_13\"/>ten av att f<span class=\"__14 _b_13\"/>ordringar<span class=\"__14 _1ce\"> </span> med rating ett s<span class=\"__14 _b_13\"/>teg \u00f6ver faller<span class=\"__14 _1058\"/>ade klassi\ufb01ceras som f<span class=\"__14 _b_13\"/>allerade,<span class=\"__14 _1ce\"> </span> vilket ber\u00e4knas till 118 mn euro (152 mn eur<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">o). Denna siffr</span><span class=\"__14 _b_13\"/>a<span class=\"__14 _1ce\"> </span> baseras p\u00e5 en ber\u00e4kning med den s<span class=\"__14 _b_13\"/>tatistiska modellen sna-<span class=\"__14 _1ce\"> </span>rare \u00e4n individuella es<span class=\"__14 _b_13\"/>timat som annars skulle vara f<span class=\"__14 _b_13\"/>allet f\u00f6r<span class=\"__14 _1ce\"> </span> betydande f<span class=\"__14 _1058\"/>allerade l\u00e5n.<span class=\"__14 _1ce\"> </span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>K\u00e4nsligheter<span class=\"__14 _1ce\"> </span>31 dec 2022<span class=\"__14 _5c_6\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1137\"> </span>Redovisade reserver<span class=\"__14 _1ce\"> </span>Reserver med ett<span class=\"__14 _1ce\"> </span> stegs nedgradering<span class=\"__14 _1070\"> </span>Redovisade reserver<span class=\"__14 _1ce\"> </span>Reserver med ett<span class=\"__14 _1ce\"> </span> stegs nedgradering<span class=\"__14 _1ce\"> </span>Personal Banking<span class=\"__14 _1138\"> </span>387<span class=\"__14 _1139\"> </span>488<span class=\"__14 _1139\"> </span>409<span class=\"__14 _1140\"> </span>532<span class=\"__14 _1ce\"> </span>Business Banking<span class=\"__14 _1141\"> </span>1 036<span class=\"__14 _1142\"> </span>1 166<span class=\"__14 _1142\"> </span><span class=\"ls14_11 ws3a_5\">1 148<span class=\"__14 _1142\"> </span></span>1 265<span class=\"__14 _1ce\"> </span>Large Corpora<span class=\"__14 _b_13\"/>tes &amp; Institutions<span class=\"__14 _1143\"> </span>402<span class=\"__14 _1140\"> </span>441<span class=\"__14 _1140\"> </span>813<span class=\"__14 _1139\"> </span>846<span class=\"__14 _1ce\"> </span>\u00d6vrigt<span class=\"__14 _1144\"> </span>35<span class=\"__14 _1088\"> </span>46<span class=\"__14 _1088\"> </span>34<span class=\"__14 _1145\"> </span>75<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1146\"> </span>1 860<span class=\"__14 _1142\"> </span>2 141<span class=\"__14 _1086\"> </span>2 404<span class=\"__14 _2b_8\"> </span>2 718<span class=\"__14 _1ce\"> </span>2.9 Fr<span class=\"__14 _b_13\"/>am\u00e5tblickande informa<span class=\"__14 _b_13\"/>tion<span class=\"__14 _1ce\"> </span>Fr<span class=\"__14 _b_13\"/>am\u00e5tblickande informa<span class=\"__14 _b_13\"/>tion anv\u00e4nds b\u00e5de vid bed\u00f6mningen av bety<span class=\"__14 _b_13\"/>dande \u00f6kningar i kreditrisken och vid ber\u00e4kningen av f\u00f6rv\u00e4n<span class=\"__14 _b_13\"/>tade kreditf\u00f6rlust<span class=\"__14 _b_13\"/>er. Nor<span class=\"__14 _b_13\"/>dea anv\u00e4nder sig av tre makr<span class=\"__14 _b_13\"/>o<span class=\"__14 _1072\"/>-<span class=\"__14 _1ce\"> </span>ekonomiska scenerier: ett grundsc<span class=\"__14 _b_13\"/>enario, ett gynnsamt sce-<span class=\"__14 _1ce\"> </span>nario och ett negativt scenario<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">. F\u00f6r fj\u00e4r</span><span class=\"__14 _b_13\"/>de kvar<span class=\"__14 _1072\"/>talet 2022 ber\u00e4knades de slutligt f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>v\u00e4nt<span class=\"__14 _1058\"/>ade kreditf<span class=\"__14 _1058\"/>\u00f6rlusterna genom att vik<span class=\"__14 _1058\"/>ta scenarierna enligt f<span class=\"__14 _b_13\"/>\u00f6ljande: 50 procent grundscena<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>rio, 40 procen<span class=\"__14 _b_13\"/>t negativt och 10 procent gynnsam<span class=\"__14 _b_13\"/>t (sista <span class=\"__14 _1ce\">december 2021: 60 procen</span><span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">t grundscenario, 20 procen</span><span class=\"__14 _b_13\"/>t nega-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">tivt och 20 procen</span><span class=\"__14 _b_13\"/>t gynnsamt). Viktningen speglade de \u00f6kade riskerna i de makroekonomiska pr<span class=\"__14 _b_13\"/>ognoserna under \u00e5ret<span class=\"__14 _1072\"/>.<span class=\"__14 _1ce\"> </span>De makroekonomiska sc<span class=\"__14 _1058\"/>enarierna tas fram a<span class=\"__14 _b_13\"/>v Group Risk i Nordea, och baseras p\u00e5 Oxf<span class=\"__14 _b_13\"/>ord Economics-modellen. Pr<span class=\"__14 _b_13\"/>ogno<span class=\"__14 _1072\"/>-<span class=\"__14 _1ce\"> </span>sen \u00e4r en kombination a<span class=\"__14 _b_13\"/>v modellber\u00e4kningar och expertbe-<span class=\"__14 _1ce\"> </span>d\u00f6mningar<span class=\"__14 _b_13\"/>, och den granskas och kvalitetsk<span class=\"__14 _1058\"/>ontroll<span class=\"__14 _1058\"/>eras noga. Modellen har tagits fram f<span class=\"__14 _b_13\"/>\u00f6r att ge en bra beskrivning a<span class=\"__14 _b_13\"/>v de historiska sambanden mellan olika ek<span class=\"__14 _1058\"/>onomiska variabler och f\u00e5nga de vik<span class=\"__14 _b_13\"/>tigaste kopplingarna mellan dessa variabler<span class=\"__14 _1c_10\"/>. Modellens prognosperiod \u00e4r tio \u00e5r<span class=\"__14 _b_13\"/>. F\u00f6r perioder bortom denna period anv\u00e4nds ett l\u00e5ngsik<span class=\"__14 _b_13\"/>tigt medelv\u00e4rde i ber\u00e4kning-<span class=\"__14 _1ce\"> </span>arna av f<span class=\"__14 _b_13\"/>\u00f6rv\u00e4ntade kreditf<span class=\"__14 _b_13\"/>\u00f6rluster<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>De makroekonomiska sc<span class=\"__14 _1058\"/>enarierna speglar Nordeas prog-<span class=\"__14 _1ce\"> </span>noser f\u00f6r den ek<span class=\"__14 _b_13\"/>onomiska utvecklingen i Norden mot bak-<span class=\"__14 _1ce\"> </span>grund av R<span class=\"__14 _b_13\"/>ysslands invasion av Ukr<span class=\"__14 _1058\"/>aina samt in<span class=\"__14 _1058\"/>f\u00f6r<span class=\"__14 _b_13\"/>andet av sanktioner och mo<span class=\"__14 _1058\"/>tsanktioner som p\u00e5<span class=\"__14 _b_13\"/>verkar handeln med Ryssland. Prognoserna tar ocks\u00e5 h\u00e4nsyn till de h\u00f6ga ener<span class=\"__14 _b_13\"/>gi-<span class=\"__14 _1ce\"> </span>priser som f<span class=\"__14 _1058\"/>\u00f6ljt p\u00e5 invasionen, f<span class=\"__14 _b_13\"/>or<span class=\"__14 _1072\"/>tsatta st<span class=\"__14 _1058\"/>\u00f6rningar i lever<span class=\"__14 _1058\"/>ans-<span class=\"__14 _1ce\"> </span>kedjan och en f<span class=\"__14 _1058\"/>\u00f6rv\u00e4ntan om betydligt h\u00f6gr<span class=\"__14 _b_13\"/>e r\u00e4ntor f<span class=\"__14 _b_13\"/>\u00f6r att d\u00e4mpa det starka in<span class=\"__14 _b_13\"/>flationstrycket. Vid framtagandet a<span class=\"__14 _b_13\"/>v sce-<span class=\"__14 _1ce\"> </span>narierna och deras inb\u00f6rdes vik<span class=\"__14 _b_13\"/>tning har Nordea tagit h\u00e4nsyn till prognoser fr<span class=\"__14 _b_13\"/>\u00e5n nordiska centralbank<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>, Nordeas analysa<span class=\"__14 _b_13\"/>v-<span class=\"__14 _1ce\"> </span>delning och E<span class=\"__14 _b_13\"/>uropeiska centralbanken.<span class=\"__14 _1ce\"> </span>Grundscenariot \u00e4r a<span class=\"__14 _b_13\"/>tt h\u00f6ga r\u00e4ntor och h\u00f6g infla<span class=\"__14 _b_13\"/>tion leder till en mild l\u00e5gkonjunktur i Danmark, Finland och S<span class=\"__14 _1058\"/>verige. De h\u00f6ga energipriserna ger \u00e5 andra sidan en sv<span class=\"__14 _b_13\"/>ag tillv\u00e4xt i Norge. Den svaga till<span class=\"__14 _b_13\"/>v\u00e4xten f\u00f6rv\u00e4n<span class=\"__14 _b_13\"/>tas forts\u00e4tta under 2023.<span class=\"__14 _1ce\"> </span>Den nordiska bostadsmarknaden har v<span class=\"__14 _b_13\"/>\u00e4nt ned\u00e5t. Betydligt f\u00e4rre a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ff\u00e4rer g\u00f6rs och priserna har b\u00f6rjat sjunka, s\u00e4rskilt i Sv</span><span class=\"__14 _b_13\"/>e-<span class=\"__14 _1ce\"> </span>rige d\u00e4r prisfallet v<span class=\"__14 _b_13\"/>arit m\u00e4rkbar<span class=\"__14 _1072\"/>t<span class=\"__14 _1072\"/>. Denna utveckling v\u00e4n<span class=\"__14 _b_13\"/>tas forts\u00e4tta under 2023. Det \ufb01nns ned\u00e5trisk<span class=\"__14 _b_13\"/>er i grundscenariot. Nordeas tv\u00e5 alt<span class=\"__14 _b_13\"/>ernativa makroekonomiska scenarier omf<span class=\"__14 _b_13\"/>attar en rad rimliga riskfak<span class=\"__14 _b_13\"/>torer som kan f\u00e5 till<span class=\"__14 _b_13\"/>v\u00e4xten att avvika f<span class=\"__14 _b_13\"/>r\u00e5n grundscenariot. H\u00f6ga energipriser kan leda till en djupare och mer l\u00e5ngvarig l\u00e5gkonjunk<span class=\"__14 _b_13\"/>tur p\u00e5 grund av svagar<span class=\"__14 _b_13\"/>e konsumtion och l\u00e4gr<span class=\"__14 _b_13\"/>e investeringar<span class=\"__14 _b_13\"/>. Vidare kan bost<span class=\"__14 _1058\"/>adspri-<span class=\"__14 _1ce\"> </span>serna falla \u00e4nnu mer<span class=\"__14 _1c_10\"/>, p\u00e5 grund av de h\u00f6ga r\u00e4n<span class=\"__14 _b_13\"/>torna, och minska hush\u00e5llens k\u00f6pkra<span class=\"__14 _1058\"/>ft. \u00c5 andr<span class=\"__14 _b_13\"/>a sidan, om energipriserna stabiliser<span class=\"__14 _1058\"/>as p\u00e5 en l\u00e4gre niv\u00e5 kan bakslaget bli mindr<span class=\"__14 _b_13\"/>e k\u00e4nnbar<span class=\"__14 _1072\"/>t under vintern och den p\u00e5<span class=\"__14 _b_13\"/>f\u00f6ljande \u00e5terh\u00e4mtningen s<span class=\"__14 _b_13\"/>tarkare.<span class=\"__14 _1ce\"> </span>Vid utg\u00e5ngen a<span class=\"__14 _1058\"/>v \u00e5ret uppgick justeringarna i f<span class=\"__14 _b_13\"/>\u00f6rh\u00e5llande till de modellber\u00e4knade reserveringarna/<span class=\"__14 _1c_10\"/>avs\u00e4ttningarna till 554 mn euro, inklusiv<span class=\"__14 _b_13\"/>e reserveringar enligt ledningens bed\u00f6mning. Reserveringarna enligt ledningens bed\u00f6mning innefa<span class=\"__14 _b_13\"/>ttar ber\u00e4knade kreditf\u00f6rlus<span class=\"__14 _b_13\"/>ter som \u00e4nnu inte f\u00e5ngas upp av IFRS 9-modellen. Den cykliska r<span class=\"__14 _b_13\"/>eser<span class=\"__14 _1072\"/>ven uppgick till 430 mn euro vid \u00e5rets slut (<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">455 mn euro). Reserven ber</span><span class=\"__14 _b_13\"/>\u00e4kna-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">des p\u00e5 nytt under fj\u00e4rde kv</span><span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>talet. Vid denna ber\u00e4kning beak-<span class=\"__14 _1ce\"> </span>tades de ex<span class=\"__14 _1058\"/>traordin\u00e4r<span class=\"__14 _b_13\"/>a utmaningar som uppst\u00e5tt till f\u00f6ljd a<span class=\"__14 _b_13\"/>v energikrisen ist\u00e4llet f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _b_13\"/>, som tidigare, de negativa konsekv<span class=\"__14 _b_13\"/>en-<span class=\"__14 _1ce\"> </span>serna av c<span class=\"__14 _b_13\"/>oronapandemin. Reserveringarnas tillr\u00e4cklighet analyser<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ades utifr\u00e5n m\u00f6jliga eff</span><span class=\"__14 _b_13\"/>ekter a<span class=\"__14 _b_13\"/>v h\u00f6gre kostnader och l\u00e4gre konsum<span class=\"__14 _b_13\"/>tion och gjordes med hj\u00e4lp av uppdater<span class=\"__14 _b_13\"/>ade stress<span class=\"__14 _b_13\"/>tester och sekt<span class=\"__14 _1058\"/>orbed\u00f6mningar f\u00f6r a<span class=\"__14 _b_13\"/>tt b\u00e4ttre kunna ta h\u00e4nsyn till bransch- och n\u00e4ringlivsspeci\ufb01ka risker<span class=\"__14 _1c_10\"/>. Tio seg-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">ment med 8 proc</span><span class=\"__14 _b_13\"/>ent av den samlade utl\u00e5ningen iden<span class=\"__14 _b_13\"/>ti\ufb01era-<span class=\"__14 _1ce\"> </span>des som a<span class=\"__14 _1058\"/>vsev\u00e4rt p\u00e5<span class=\"__14 _b_13\"/>verkade, bland annat Byggindustri, Detaljhandel, Marktransport och K<span class=\"__14 _1058\"/>onsumentkapital<span class=\"__14 _b_13\"/>varor<span class=\"__14 _b_13\"/>. Slutsatsen blev a<span class=\"__14 _b_13\"/>tt de be\ufb01ntliga reserveringarna \u00e4r tillr\u00e4ckliga ocks\u00e5 f\u00f6r de f<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndrade riskutsik<span class=\"__14 _b_13\"/>terna eftersom reservering-<span class=\"__14 _1ce\"> </span>arna enligt ledningens bed\u00f6mning h\u00f6jdes med 20 mn euro <span class=\"__14 _1ce\">under fj\u00e4rde kvartalet (minskade 25 mn euro j\u00e4mf</span><span class=\"__14 _b_13\"/>\u00f6rt med 2021) till 430 mn euro. De svagheter i IFRS 9-modellen s<span class=\"__14 _b_13\"/>om identi\ufb01er<span class=\"__14 _1058\"/>ats och senare ska \u00e5<span class=\"__14 _b_13\"/>tg\u00e4rdas genom modelluppdate-<span class=\"__14 _1ce\"> </span>ringar (struk<span class=\"__14 _1058\"/>turell reserv) uppgick till 155 mn euro (155 mn euro).<span class=\"__14 _1ce\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAllowanceForCreditLossesExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-648": {
   "value": "K3.11   Tillg\u00e5ngar och inl\u00e5ning i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal Redovisningsprinciper I fr\u00e5ga om tillg\u00e5ngar och inl\u00e5ning inom ramen f\u00f6r avtal med kunder om placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringar \u00e4r det kunderna och f\u00f6rs\u00e4kringstagarna som tar merparten av eller hela risken. Fondf\u00f6rs\u00e4kringsavtal med garantier eller \ufb01nan- siella avtal som medf\u00f6r betydande f\u00f6rs\u00e4kringsrisk klassi\ufb01ce- ras som f\u00f6rs\u00e4kringsavtal. Inl\u00e5ningsmedlen fr\u00e5n kunderna investeras i olika typer av \ufb01nansiella tillg\u00e5ngar f\u00f6r kundernas och f\u00f6rs\u00e4kringstagarnas r\u00e4kning. Tillg\u00e5ngar och inl\u00e5ning enligt dessa avtal redovisas och v\u00e4rderas till verkligt v\u00e4rde enligt beskrivningen i not K3.4 \u201dVerkligt v\u00e4rde\u201d. F\u00f6r mer information om skillnaden mellan f\u00f6rs\u00e4kringsavtal och \ufb01nansiella avtal, se not K4 \u201dF\u00f6rs\u00e4kringsavtal\u201d. Tillg\u00e5ngar och inl\u00e5ning i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal Mn euro 31 dec 2022 31 dec 2021 Tillg\u00e5ngar R\u00e4nteb\u00e4rande v\u00e4rdepapper 1 949 1 431 Aktier och andelar 38 887 44 748 Fastigheter 691 602 \u00d6vriga tillg\u00e5ngar 118 131 Summa 41 645 46 912 Skulder Placeringsportf\u00f6ljer 4 170 4 857 Fondf\u00f6rs\u00e4kringsavtal 38 606 43 344 Summa 42 776 48 201 I balansr\u00e4kningen f\u00f6r livf\u00f6rs\u00e4kringsverksamheten och f\u00f6r Nordea Danmark, \ufb01lial till Nordea Bank Abp, Finland redovi- sas tillg\u00e5ngar och skulder f\u00f6r vilka kunderna b\u00e4r risken. Efter- som tillg\u00e5ngarna och skulderna juridiskt sett tillh\u00f6r f\u00f6retagen, redovisas dessa tillg\u00e5ngar och skulder i Nordeas balansr\u00e4kning. F\u00f6r mer information om verkligt v\u00e4rde f\u00f6r placeringsport- f\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal, se not K5.3 \u201dF\u00f6rvaltningsfastigheter\u201d. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfNetAssetValueAttributableToUnitholdersExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-651": {
   "value": "K3.12  Derivatinstrument Redovisningsprinciper Ett derivatinstrument \u00e4r ett \ufb01nansiellt instrument eller annat avtal som har alla tre f\u00f6ljande k\u00e4nnetecken: \u2022  Dess v\u00e4rde f\u00f6r\u00e4ndras till f\u00f6ljd av en f\u00f6r\u00e4ndring i en angiven variabel, exempelvis r\u00e4nta, kurs p\u00e5 \ufb01nansiellt instrument, r\u00e5varupris, v\u00e4xelkurs, pris- eller r\u00e4nteindex, kreditbetyg eller kreditindex, f\u00f6rutsatt att \u2013 i fr\u00e5ga om en icke-\ufb01nansiell vari- abel \u2013 den inte \u00e4r speci\ufb01k f\u00f6r n\u00e5gon av avtalsparterna (s\u00e5 kallad \u201dunderliggande variabel\u201d); \u2022  Det kr\u00e4ver ingen initial nettoinvestering eller en initial net- toinvestering som \u00e4r mindre \u00e4n vad som skulle kr\u00e4vas f\u00f6r andra typer av avtal som kan f\u00f6rv\u00e4ntas reagera p\u00e5 liknande s\u00e4tt p\u00e5 f\u00f6r\u00e4ndringar i marknadsfaktorer; och \u2022  Avvecklingen sker i framtiden. Samtliga derivat redovisas i balansr\u00e4kningen och v\u00e4rderas till verkligt v\u00e4rde. Derivat med positivt verkligt v\u00e4rde, inklusive upplupen r\u00e4nta, redovisas p\u00e5 tillg\u00e5ngssidan under posten \u201dDerivatinstrument\u201d. Derivat med negativt verkligt v\u00e4rde, inklusive upplupen r\u00e4nta, redovisas p\u00e5 skuldsidan under pos- ten \u201dDerivatinstrument\u201d. Vid v\u00e4rderingen av derivat till verk- ligt v\u00e4rde g\u00f6r Nordea justeringar i form av s\u00e5 kallade credit value adjustments (CVA) och debit value adjustments (DVA). CVA och DVA speglar hur motpartens kreditrisk respektive Nordeas egen kreditv\u00e4rdighet p\u00e5verkar derivatets verkliga v\u00e4rde. F\u00f6r ytterligare information om ber\u00e4kningen och \u00f6vriga XVA, se not K3.4 \u201dVerkligt v\u00e4rde\u201d. Realiserade och orealiserade vinster och f\u00f6rluster p\u00e5 deri- vat redovisas i resultatr\u00e4kningen under posten \u201dNettoresultat av poster till verkligt v\u00e4rde\u201d. F\u00f6r mer information om redovis- ningsprinciper och kritiska bed\u00f6mningar, se not K3.4 \u201dVerkligt v\u00e4rde\u201d. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-659": {
   "value": "K3.17  Efterst\u00e4llda skulder  Redovisningsprinciper Efterst\u00e4llda skulder \u00e4r \ufb01nansiella skulder f\u00f6r vilka det fram- g\u00e5r av avtalet att de i h\u00e4ndelse av likvidation eller konkurs  inte \u00e5terbetalas f\u00f6rr\u00e4n samtliga \u00e5taganden gentemot andra  fordrings\u00e4gare har fullgjorts.  F\u00f6r ytterligare redovisningsprinciper, se not K3.1 \u201dRedo- visning och bortbokning i balansr\u00e4kningen\u201d och not K3.3  \u201dKlassi\ufb01cering och v\u00e4rdering\u201d.  F\u00f6r en s\u00e4krad post i en s\u00e4kring av verkligt v\u00e4rde p\u00e5 mikro- niv\u00e5, v\u00e4rderas den s\u00e4krade risken till verkligt v\u00e4rde och redo - visas p\u00e5 raden \u201dF\u00f6r\u00e4ndringar av verkligt v\u00e4rde f\u00f6r mikros\u00e4k- ringar av r\u00e4nterisk\u201d i tabellen nedan (f\u00f6r ytterligare informa- tion, se not K3.6 \u201dS\u00e4kringsredovisning\u201d). F\u00f6r mer information  om de kritiska bed\u00f6mningar som kr\u00e4vs f\u00f6r att bed\u00f6ma om e n  efterst\u00e4lld skuld ska klassi\ufb01ceras som en skuld eller som ege t  kapital, se not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d . ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBorrowingsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-660": {
   "value": "K3.17  Efterst\u00e4llda skulder  Redovisningsprinciper Efterst\u00e4llda skulder \u00e4r \ufb01nansiella skulder f\u00f6r vilka det fram- g\u00e5r av avtalet att de i h\u00e4ndelse av likvidation eller konkurs  inte \u00e5terbetalas f\u00f6rr\u00e4n samtliga \u00e5taganden gentemot andra  fordrings\u00e4gare har fullgjorts.  F\u00f6r ytterligare redovisningsprinciper, se not K3.1 \u201dRedo- visning och bortbokning i balansr\u00e4kningen\u201d och not K3.3  \u201dKlassi\ufb01cering och v\u00e4rdering\u201d.  F\u00f6r en s\u00e4krad post i en s\u00e4kring av verkligt v\u00e4rde p\u00e5 mikro- niv\u00e5, v\u00e4rderas den s\u00e4krade risken till verkligt v\u00e4rde och redo - visas p\u00e5 raden \u201dF\u00f6r\u00e4ndringar av verkligt v\u00e4rde f\u00f6r mikros\u00e4k- ringar av r\u00e4nterisk\u201d i tabellen nedan (f\u00f6r ytterligare informa- tion, se not K3.6 \u201dS\u00e4kringsredovisning\u201d). F\u00f6r mer information  om de kritiska bed\u00f6mningar som kr\u00e4vs f\u00f6r att bed\u00f6ma om e n  efterst\u00e4lld skuld ska klassi\ufb01ceras som en skuld eller som ege t  kapital, se not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d . Efterst\u00e4llda skulder Mn euro 31 dec 2022 31 dec 202 1 K\u00e4rnprim\u00e4rkapital 2 600 2 44 7 Supplement\u00e4rt kapital 3 295 4 272 \u00d6vriga efterst\u00e4llda skulder 10 \u2013 F\u00f6r\u00e4ndringar av verkligt v\u00e4rde f\u00f6r  mikros\u00e4kringar av r\u00e4nterisk -504 131 Summa 5 401 6 85 0 F\u00f6r mer information, se not M3.14 \u201cEfterst\u00e4llda skulder\u201d ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBorrowingsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-663": {
   "value": "K4 F\u00f6rs\u00e4kringsavtal Redovisningsprinciper Ett f\u00f6rs\u00e4kringsavtal de\ufb01nieras som \u201dett avtal enligt vilket en part (f\u00f6rs\u00e4kringsgivaren) accepterar en betydande f\u00f6rs\u00e4k- ringsrisk fr\u00e5n en annan part (f\u00f6rs\u00e4kringstagaren) genom att g\u00e5 med p\u00e5 att kompensera f\u00f6rs\u00e4kringstagaren om en angiven oviss framtida h\u00e4ndelse (den f\u00f6rs\u00e4krade h\u00e4ndelsen) har en negativ inverkan p\u00e5 f\u00f6rs\u00e4kringstagaren\u201d. Finansiella avtal \u00e4r avtal med f\u00f6rs\u00e4kringstagare som har f\u00f6rs\u00e4kringsavtalets juridiska form, men f\u00f6r vilka f\u00f6rs\u00e4krings- risken bed\u00f6ms vara obetydlig. F\u00f6rs\u00e4kringsrisken ber\u00e4knas vanligen som risksumman i procent av den reserv som t\u00e4cker avtalet vid avtalsperiodens b\u00f6rjan. Avtalen kan delas in i f\u00f6ljande klasser: \u2022  F\u00f6rs\u00e4kringsavtal: - Traditionella livf\u00f6rs\u00e4kringsavtal med eller utan diskretio- n\u00e4r del - Fondf\u00f6rs\u00e4kringsavtal med betydande f\u00f6rs\u00e4kringsrisk - Sjuk- och olycksfallsf\u00f6rs\u00e4kringar \u2022  Finansiella avtal: - Finansiella avtal med diskretion\u00e4r del - Finansiella avtal utan diskretion\u00e4r del. Information om int\u00e4ktsredovisning f\u00f6r f\u00f6rs\u00e4kringsavtal \ufb01nns i not K2.4 \u201dSumma nettoresultat av poster till verkligt v\u00e4rde\u201d. Information om inf\u00f6randet av IFRS 17 \u201dF\u00f6rs\u00e4kringsavtal\u201d \ufb01nns i not K10.6 \u201d\u00d6verg\u00e5ngen till IFRS 17 F\u00f6rs\u00e4kringsavtal\u201d. IFRS 17 g\u00e4ller f\u00f6r r\u00e4kenskaps\u00e5r som b\u00f6rjar den 1 januari 2023 eller senare, som beskrivs i not K1 \u201dRedovisningsprinciper\u201d. F\u00f6rs\u00e4kringsavtal Skulder till f\u00f6rs\u00e4kringstagare innefattar \u00e5taganden h\u00e4nf\u00f6rliga till f\u00f6rs\u00e4kringsavtal och \ufb01nansiella avtal med f\u00f6rs\u00e4kringstagare. V\u00e4rderingsprinciperna enligt nationell redovisningsstan- dard har bibeh\u00e5llits, vilket f\u00f6ljaktligen resulterar i icke enhet- liga redovisningsprinciper vid konsolidering. F\u00f6rs\u00e4kringstekniska avs\u00e4ttningar f\u00f6r traditionell livf\u00f6rs\u00e4k- ring i Finland och Danmark v\u00e4rderas genom ber\u00e4kning av nuv\u00e4rdet av de framtida f\u00f6rm\u00e5ner som f\u00f6rs\u00e4kringstagarna har r\u00e4tt till. Ber\u00e4kningen baseras p\u00e5 antaganden om mark- nadsm\u00e4ssiga diskonteringsr\u00e4ntor liksom om kostnader och livf\u00f6rs\u00e4kringsrisk. Diskonteringsr\u00e4ntan \u00e4r baserad p\u00e5 skulder- nas aktuella l\u00f6ptid. I Norge ber\u00e4knas avs\u00e4ttningarna f\u00f6r traditionell livf\u00f6rs\u00e4k- ring i huvudsak enligt en prospektiv metod. Den diskonte- ringsr\u00e4nta som anv\u00e4nds motsvarar den ursprungliga r\u00e4ntan justerad med h\u00e4nsyn till antaganden om kostnader och risk. I Sverige delas de kombinerade l\u00e5ngsiktiga pensions- och f\u00f6rs\u00e4kringsavtalen in i enskilda kortsiktiga f\u00f6rs\u00e4kringsavtal och l\u00e5ngsiktiga \ufb01nansiella avtal med garantier och/eller en diskretion\u00e4r del (se f\u00f6ljande avsnitt). Redovisningsprinciperna f\u00f6r varje f\u00f6retag grundar sig p\u00e5 den lokala verksamhetens struktur och \u00e4r kopplade till sol- vensreglerna och nationella best\u00e4mmelser avseende vinstdel- ning och andra krav avseende fond f\u00f6r kollektivt utf\u00f6rdelad bonus (of\u00f6rdelade avs\u00e4ttningar som skyddar f\u00f6rs\u00e4kringstagarna).  Fondf\u00f6rs\u00e4kringsavtal omfattar f\u00f6rs\u00e4kringstekniska avs\u00e4tt- ningar h\u00e4nf\u00f6rliga till fondf\u00f6rs\u00e4kringar som har tecknats antingen med eller utan utdelningsgaranti. Fondf\u00f6rs\u00e4krings- avtal som klassi\ufb01ceras som f\u00f6rs\u00e4kringsavtal inneh\u00e5ller samma f\u00f6rs\u00e4kringsrelaterade riskelement som traditionella f\u00f6rs\u00e4kringsavtal. Dessa avtal redovisas och v\u00e4rderas huvud- sakligen till verkligt v\u00e4rde baserat p\u00e5: \u2022  det verkliga v\u00e4rdet p\u00e5 tillg\u00e5ngar h\u00e4nf\u00f6rliga till fond- f\u00f6rs\u00e4kringsavtalen, och \u2022  det ber\u00e4knade nuv\u00e4rdet av f\u00f6rs\u00e4kringsrisken, som framr\u00e4k- nas p\u00e5 samma s\u00e4tt som f\u00f6r traditionella f\u00f6rs\u00e4kringsavtal med beaktande av effekten p\u00e5 varje riskelement som ing\u00e5r i kassafl\u00f6det. Avs\u00e4ttningar avseende sjuk- och olycksfallsf\u00f6rs\u00e4kringar omfattar premiereserver och utest\u00e5ende ers\u00e4ttningskrav. Denna post redovisas och v\u00e4rderas p\u00e5 upplupen basis, enligt samma princip som f\u00f6r skadef\u00f6rs\u00e4kringsavtal. Finansiella avtal Avtal som klassi\ufb01ceras som \ufb01nansiella avtal \u00e4r avtal med f\u00f6r- s\u00e4kringstagare som inte medf\u00f6r tillr\u00e4cklig f\u00f6rs\u00e4kringsrisk f\u00f6r att klassi\ufb01ceras som f\u00f6rs\u00e4kringsavtal och som inneh\u00e5ller en garanti eller en diskretion\u00e4r del. Finansiella avtal med diskretion\u00e4r del redovisas, i enlighet med IFRS 4, som f\u00f6rs\u00e4kringsavtal med till\u00e4mpning av natio- nella redovisningsprinciper. Finansiella avtal utan diskretion\u00e4r del redovisas och v\u00e4rde- ras till verkligt v\u00e4rde i enlighet med IFRS 9 \u201dFinansiella instru- ment: Redovisning och v\u00e4rdering\u201d, och motsvaras av verkligt v\u00e4rde p\u00e5 tillg\u00e5ngarna h\u00e4nf\u00f6rliga till dessa avtal. Dessa till- g\u00e5ngar klassi\ufb01ceras som tillh\u00f6rande kategorin \u201dFr\u00e5n b\u00f6rjan v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen\u201d f\u00f6r att eli- minera eller avsev\u00e4rt minska bristande \u00f6verensst\u00e4mmelse i redovisningen. Detta beskrivs n\u00e4rmare i not K3.3 \u201dKlassi\ufb01ce- ring och v\u00e4rdering\u201d. Avtal med diskretion\u00e4r del (DPF) Enligt vissa traditionella livf\u00f6rs\u00e4kringsavtal och \ufb01nansiella avtal har f\u00f6rs\u00e4kringstagaren r\u00e4tt till betydande f\u00f6rm\u00e5ner ut\u00f6- ver de garanterade. Det \u00e4r Nordea som avg\u00f6r om dessa ytter- ligare f\u00f6rm\u00e5ner ska utbetalas som bonus. Dessa avtal med diskretion\u00e4r del, inklusive fond f\u00f6r kollektivt utf\u00f6rdelad bonus, klassi\ufb01ceras som skulder i balansr\u00e4kningen. Fond f\u00f6r kollektivt utf\u00f6rdelad bonus omfattar belopp som allokerats till men inte gottskrivits f\u00f6rs\u00e4kringstagaren. I Fin- land omfattar fonden f\u00f6rs\u00e4kringstagarens andel av samtliga orealiserade vinster p\u00e5 placeringstillg\u00e5ngar och \u00e5terb\u00e4rings- medel p\u00e5 betalda f\u00f6rs\u00e4kringar och framtida premier (skillna- den mellan retroaktiva och marknadsm\u00e4ssiga prospektiva v\u00e4rderingsprinciper f\u00f6r f\u00f6rs\u00e4kringsavtal). I Norge omfattar den f\u00f6rs\u00e4kringstagarens andel av b\u00e5de samtliga orealiserade vinster p\u00e5 placeringstillg\u00e5ngar och ytterligare lagstadgade reserver. I Sverige \u00e4r huvudprincipen f\u00f6r v\u00e4rdering verkligt v\u00e4rde (f\u00f6rs\u00e4kringsavtal). F\u00f6rs\u00e4kringstagarens andel av b\u00e5de realiserade och orealiserade vinster upptas d\u00e4rf\u00f6r i balans- r\u00e4kningen som antingen \u201dF\u00f6r\u00e4ndring av f\u00f6rs\u00e4kringstekniska avs\u00e4ttningar, livf\u00f6rs\u00e4kring\u201d och/eller \u201dF\u00f6r\u00e4ndring av \u00e5terb\u00e4- ringsmedel, livf\u00f6rs\u00e4kring\u201d som redovisas i not K2.4 \u201dSumma nettoresultat av poster till verkligt v\u00e4rde\u201d, beroende p\u00e5 om pla- ceringsresultatet allokeras eller inte. B\u00e5da dessa ing\u00e5r i balansposten \u201dSkulder till f\u00f6rs\u00e4kringstagare\u201d. Pr\u00f6vning av f\u00f6rs\u00e4kringsskuld Vid varje rapporteringsdatum g\u00f6rs en pr\u00f6vning f\u00f6r att s\u00e4ker- st\u00e4lla att f\u00f6rs\u00e4kringsavs\u00e4ttningarna \u00e4r tillr\u00e4ckliga. Vid pr\u00f6v- ningen s\u00e4kerst\u00e4lls att skuldernas redovisade v\u00e4rde \u00e4r h\u00f6gre \u00e4n den b\u00e4sta uppskattningen av framtida kassafl\u00f6de diskon- terat med aktuell r\u00e4nta. Vid behov g\u00f6rs ytterligare avs\u00e4ttning- ar som redovisas i resultatr\u00e4kningen . Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar  Vid v\u00e4rderingen av f\u00f6rs\u00e4kringsskulder anv\u00e4nds b\u00e5de \ufb01nan- siella och aktuariella uppskattningar och antaganden. Ett vik- tigt \ufb01nansiellt antagande \u00e4r den r\u00e4nta som anv\u00e4nds f\u00f6r att  diskontera framtida kassafl\u00f6den. Viktiga aktuariella antagan- den \u00e4r de om d\u00f6dlighet och invaliditet, som p\u00e5verkar storle- ken p\u00e5 och tidpunkten f\u00f6r de framtida kassafl\u00f6dena. De  \ufb01nansiella och aktuariella antagandena \u00e4r till stor del f\u00f6re- skrivna i l\u00e4ndernas lagstiftning och kan inte p\u00e5verkas av  Nordea. \u00c4ven antaganden om framtida f\u00f6rvaltnings- och  skattekostnader p\u00e5verkar ber\u00e4kningen av skulder till  f\u00f6rs\u00e4kringstagare. F\u00f6rs\u00e4kringsskulderna uppgick vid \u00e5rets slut till 25 914 mn  euro (17 438 mn euro). Information om det redovisade v\u00e4r- dets k\u00e4nslighet f\u00f6r olika antaganden \u00e5ter\ufb01nns nedan. F\u00f6rs\u00e4kringsavtal Mn euro 31 dec 2022 31 dec 2021 F\u00f6rs\u00e4kringstekniska avs\u00e4ttningar, traditionell livf\u00f6rs\u00e4kring 8 088 6 299 - varav garanterade avs\u00e4ttningar 7 908 6 194 - varav icke garanterade avs\u00e4ttningar 180 105 Fond f\u00f6r kollektivt utf\u00f6rdelad bonus 2 603 2 800 F\u00f6rs\u00e4kringstekniska avs\u00e4ttningar, fondf\u00f6rs\u00e4kring 14 125 7 711 - varav garanterade avs\u00e4ttningar \u2013  \u2013 - varav icke garanterade avs\u00e4ttningar 14 125 7 711 Avs\u00e4ttningar f\u00f6r ers\u00e4ttningskrav 888 535 Avs\u00e4ttningar f\u00f6r sjuk- och olycksfallsf\u00f6rs\u00e4kring 210 93 Summa f\u00f6rs\u00e4kringsavtal 25 914 17 438 Finansiella avtal med diskretion\u00e4r del 1 684 2 157 - varav garanterade avs\u00e4ttningar 1 684 2 157 - varav icke garanterade avs\u00e4ttningar \u2013 \u2013 Summa 27 598 19 595 31 dec 2022, mn euro F\u00f6rs\u00e4krings- tekniska avs\u00e4ttningar, traditionell livf\u00f6rs\u00e4kring Fond f\u00f6r kollektivt utf\u00f6rdelad bonus F\u00f6rs\u00e4krings- tekniska avs\u00e4ttningar, fond- f\u00f6rs\u00e4kring Avs\u00e4ttningar f\u00f6r ers\u00e4ttnings- krav Avs\u00e4ttningar f\u00f6r sjuk- och olycksfalls- f\u00f6rs\u00e4kring Finansiella avtal Summa Avs\u00e4ttningar/utf\u00f6rdelad bonus vid \u00e5rets b\u00f6rjan 6 299 2 800 7 711 535 93 2 157 19 595 F\u00f6rv\u00e4rv 1 2 408 204 7 919 385 114 \u2013 11 030 Bruttopremieinkomst 49 \u2013 283 \u2013 \u2013 52 384 \u00d6verf\u00f6ringar 51 \u2013 -53 \u2013 \u2013 \u2013 -2 Till\u00e4gg f\u00f6r r\u00e4nta/kapitalavkastning 174 \u2013 -1 344 \u2013 \u2013 -350 -1 520 F\u00f6rs\u00e4kringsers\u00e4ttningar -250 \u2013 -598 -29 7 -167 -1 037 Int\u00e4ktsf\u00f6rd ers\u00e4ttning, inklusive till\u00e4gg f\u00f6r bonus -22 \u2013 -37 \u2013 \u2013 -17 -76 F\u00f6r\u00e4ndring f\u00f6r avs\u00e4ttning/kollektivt utf\u00f6rdelad bonus 477 -254 -223 \u2013 \u2013 0 0 \u00d6vrigt -875 \u2013 486 \u2013 \u2013 170 -219 Omr\u00e4kningsdifferenser -223 -147 -19 -3 -4 -161 -557 Avs\u00e4ttningar/utf\u00f6rdelad bonus vid \u00e5rets slut 8 088 2 603 14 125 888 210 1 684 27 598 Avs\u00e4ttningar h\u00e4nf\u00f6rliga till bonussystem/avtal med diskretion\u00e4r del: 97 % 100 % 1)  F\u00f6r ytterligare information, se not K9.6 \u201dF\u00f6rv\u00e4rv\u201d. 31 dec 2021, mn euro F\u00f6rs\u00e4krings- tekniska avs\u00e4ttningar, traditionell livf\u00f6rs\u00e4kring Fond f\u00f6r kollektivt utf\u00f6rdelad bonus F\u00f6rs\u00e4krings- tekniska avs\u00e4ttningar, fond- f\u00f6rs\u00e4kring Avs\u00e4ttningar f\u00f6r ers\u00e4ttnings- krav Avs\u00e4ttningar f\u00f6r sjuk- och olycksfalls- f\u00f6rs\u00e4kring Finansiella avtal Summa Avs\u00e4ttningar/utf\u00f6rdelad bonus vid \u00e5rets b\u00f6rjan 6 167 2 001 7 070 468 86 2 386 18 178 Bruttopremieinkomst 61 \u2013 383 \u2013 \u2013 58 502 \u00d6verf\u00f6ringar 49 \u2013 -52 \u2013 \u2013 \u2013 -3 Till\u00e4gg f\u00f6r r\u00e4nta/kapitalavkastning 195 \u2013 1 007 \u2013 \u2013 391 1 593 F\u00f6rs\u00e4kringsers\u00e4ttningar -235 \u2013 -469 64 4 -202 -838 Int\u00e4ktsf\u00f6rd ers\u00e4ttning, inklusive till\u00e4gg f\u00f6r bonus -23 \u2013 -40 \u2013 \u2013 -20 -83 F\u00f6r\u00e4ndring f\u00f6r avs\u00e4ttning/kollektivt utf\u00f6rdelad bonus -580 806 -226 \u2013 \u2013 0 0 \u00d6vrigt 463 \u2013 17 \u2013 \u2013 -393 87 Omr\u00e4kningsdifferenser 202 -7 21 3 3 -63 159 Avs\u00e4ttningar/utf\u00f6rdelad bonus vid \u00e5rets slut 6 299 2 800 7 711 535 93 2 157 19 595 Avs\u00e4ttningar h\u00e4nf\u00f6rliga till bonussystem/avtal med diskretion\u00e4r del: 99 % 100 % F\u00f6rs\u00e4kringsrisker F\u00f6rs\u00e4kringsrisker beskrivs i avsnitt 7 i not K11 \u201dRisk- och likviditetshantering\u201d.  Ytterligare kvantitativ information redovisas nedan. Livf\u00f6rs\u00e4kringsrisk och marknadsrisk i livf\u00f6rs\u00e4kringsr\u00f6relsen 31 dec 2022 31 dec 2021 K\u00e4nslighetsanalys, mn euro Effekt p\u00e5 f\u00f6rs\u00e4krings- tagare1 Effekt p\u00e5 Nordeas eget kapital2 Effekt p\u00e5 f\u00f6rs\u00e4krings- tagare1 Effekt p\u00e5 Nordeas eget kapital2 Mortalitet \u2013 \u00f6kad livsl\u00e4ngd med 1 \u00e5r 21,7 -20,6 22,9 -17,4 Mortalitet \u2013 minskad livsl\u00e4ngd med 1 \u00e5r -3,4 2,6 -0,1 0,1 Invaliditet \u2013 \u00f6kning 10 procent 16,9 -15,0 8,4 -6,4 Invaliditet \u2013 minskning 10 procent -14,5 12,6 -6,1 4,7 R\u00e4nteuppg\u00e5ng 50 punkter -340,0 4,8 -367,9 7,2 R\u00e4ntenedg\u00e5ng 50 punkter 337,3 0,1 370,2 -7,3 Nedg\u00e5ng samtliga aktiekurser 12 procent -1 578,9 -4,5 -1 176,1 -0,3 Nedg\u00e5ng fastighetsv\u00e4rden 8 procent -198,9 -4,4 -130,8 -0,2 Motparter \u2013 f\u00f6rlust 8 procent -3,1 -0,2 -0,6 0,0 1)  + (plus) indikerar att skulder till f\u00f6rs\u00e4kringstagare \u00f6kar. 2)  - (minus) indikerar att eget kapital minskar. Skulder till f\u00f6rs\u00e4kringstagare uppdelat p\u00e5 garantiniv\u00e5er (f\u00f6rs\u00e4kringsteknisk r\u00e4nta) 31 dec 2022, mn euro Inga 0 % 0\u20132 % 2\u20133 % 3\u20134 % \u00f6ver 4 % Summa skulder F\u00f6rs\u00e4kringstekniska avs\u00e4ttningar 14 305 323 3 764 2 500 2 055 950 23 897 31 dec 2021, mn euro Inga 0 % 0\u20132 % 2\u20133 % 3\u20134 % \u00f6ver 4 % Summa skulder F\u00f6rs\u00e4kringstekniska avs\u00e4ttningar 7 815 346 2 836 2 241 2 005 924 16 167 Riskpro\ufb01ler p\u00e5 f\u00f6rs\u00e4kring Produkt Risktyper V\u00e4sentlig effekt Traditionell Mortalitet Ja Invaliditet Ja Avkastningsgarantier Ja Fondf\u00f6rs\u00e4kring Mortalitet Ja Invaliditet Ja Avkastningsgarantier Nej Sjuk- och olycksfallsf\u00f6rs\u00e4kringar Mortalitet Nej Invaliditet Ja Avkastningsgarantier Nej Finansiella avtal Mortalitet Nej Invaliditet Nej Avkastningsgarantier Ja ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInsuranceContractsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-664": {
   "value": "K4 F\u00f6rs\u00e4kringsavtal Redovisningsprinciper Ett f\u00f6rs\u00e4kringsavtal de\ufb01nieras som \u201dett avtal enligt vilket en part (f\u00f6rs\u00e4kringsgivaren) accepterar en betydande f\u00f6rs\u00e4k- ringsrisk fr\u00e5n en annan part (f\u00f6rs\u00e4kringstagaren) genom att g\u00e5 med p\u00e5 att kompensera f\u00f6rs\u00e4kringstagaren om en angiven oviss framtida h\u00e4ndelse (den f\u00f6rs\u00e4krade h\u00e4ndelsen) har en negativ inverkan p\u00e5 f\u00f6rs\u00e4kringstagaren\u201d. Finansiella avtal \u00e4r avtal med f\u00f6rs\u00e4kringstagare som har f\u00f6rs\u00e4kringsavtalets juridiska form, men f\u00f6r vilka f\u00f6rs\u00e4krings- risken bed\u00f6ms vara obetydlig. F\u00f6rs\u00e4kringsrisken ber\u00e4knas vanligen som risksumman i procent av den reserv som t\u00e4cker avtalet vid avtalsperiodens b\u00f6rjan. Avtalen kan delas in i f\u00f6ljande klasser: \u2022  F\u00f6rs\u00e4kringsavtal: - Traditionella livf\u00f6rs\u00e4kringsavtal med eller utan diskretio- n\u00e4r del - Fondf\u00f6rs\u00e4kringsavtal med betydande f\u00f6rs\u00e4kringsrisk - Sjuk- och olycksfallsf\u00f6rs\u00e4kringar \u2022  Finansiella avtal: - Finansiella avtal med diskretion\u00e4r del - Finansiella avtal utan diskretion\u00e4r del. Information om int\u00e4ktsredovisning f\u00f6r f\u00f6rs\u00e4kringsavtal \ufb01nns i not K2.4 \u201dSumma nettoresultat av poster till verkligt v\u00e4rde\u201d. Information om inf\u00f6randet av IFRS 17 \u201dF\u00f6rs\u00e4kringsavtal\u201d \ufb01nns i not K10.6 \u201d\u00d6verg\u00e5ngen till IFRS 17 F\u00f6rs\u00e4kringsavtal\u201d. IFRS 17 g\u00e4ller f\u00f6r r\u00e4kenskaps\u00e5r som b\u00f6rjar den 1 januari 2023 eller senare, som beskrivs i not K1 \u201dRedovisningsprinciper\u201d. F\u00f6rs\u00e4kringsavtal Skulder till f\u00f6rs\u00e4kringstagare innefattar \u00e5taganden h\u00e4nf\u00f6rliga till f\u00f6rs\u00e4kringsavtal och \ufb01nansiella avtal med f\u00f6rs\u00e4kringstagare. V\u00e4rderingsprinciperna enligt nationell redovisningsstan- dard har bibeh\u00e5llits, vilket f\u00f6ljaktligen resulterar i icke enhet- liga redovisningsprinciper vid konsolidering. F\u00f6rs\u00e4kringstekniska avs\u00e4ttningar f\u00f6r traditionell livf\u00f6rs\u00e4k- ring i Finland och Danmark v\u00e4rderas genom ber\u00e4kning av nuv\u00e4rdet av de framtida f\u00f6rm\u00e5ner som f\u00f6rs\u00e4kringstagarna har r\u00e4tt till. Ber\u00e4kningen baseras p\u00e5 antaganden om mark- nadsm\u00e4ssiga diskonteringsr\u00e4ntor liksom om kostnader och livf\u00f6rs\u00e4kringsrisk. Diskonteringsr\u00e4ntan \u00e4r baserad p\u00e5 skulder- nas aktuella l\u00f6ptid. I Norge ber\u00e4knas avs\u00e4ttningarna f\u00f6r traditionell livf\u00f6rs\u00e4k- ring i huvudsak enligt en prospektiv metod. Den diskonte- ringsr\u00e4nta som anv\u00e4nds motsvarar den ursprungliga r\u00e4ntan justerad med h\u00e4nsyn till antaganden om kostnader och risk. I Sverige delas de kombinerade l\u00e5ngsiktiga pensions- och f\u00f6rs\u00e4kringsavtalen in i enskilda kortsiktiga f\u00f6rs\u00e4kringsavtal och l\u00e5ngsiktiga \ufb01nansiella avtal med garantier och/eller en diskretion\u00e4r del (se f\u00f6ljande avsnitt). Redovisningsprinciperna f\u00f6r varje f\u00f6retag grundar sig p\u00e5 den lokala verksamhetens struktur och \u00e4r kopplade till sol- vensreglerna och nationella best\u00e4mmelser avseende vinstdel- ning och andra krav avseende fond f\u00f6r kollektivt utf\u00f6rdelad bonus (of\u00f6rdelade avs\u00e4ttningar som skyddar f\u00f6rs\u00e4kringstagarna).  Fondf\u00f6rs\u00e4kringsavtal omfattar f\u00f6rs\u00e4kringstekniska avs\u00e4tt- ningar h\u00e4nf\u00f6rliga till fondf\u00f6rs\u00e4kringar som har tecknats antingen med eller utan utdelningsgaranti. Fondf\u00f6rs\u00e4krings- avtal som klassi\ufb01ceras som f\u00f6rs\u00e4kringsavtal inneh\u00e5ller samma f\u00f6rs\u00e4kringsrelaterade riskelement som traditionella f\u00f6rs\u00e4kringsavtal. Dessa avtal redovisas och v\u00e4rderas huvud- sakligen till verkligt v\u00e4rde baserat p\u00e5: \u2022  det verkliga v\u00e4rdet p\u00e5 tillg\u00e5ngar h\u00e4nf\u00f6rliga till fond- f\u00f6rs\u00e4kringsavtalen, och \u2022  det ber\u00e4knade nuv\u00e4rdet av f\u00f6rs\u00e4kringsrisken, som framr\u00e4k- nas p\u00e5 samma s\u00e4tt som f\u00f6r traditionella f\u00f6rs\u00e4kringsavtal med beaktande av effekten p\u00e5 varje riskelement som ing\u00e5r i kassafl\u00f6det. Avs\u00e4ttningar avseende sjuk- och olycksfallsf\u00f6rs\u00e4kringar omfattar premiereserver och utest\u00e5ende ers\u00e4ttningskrav. Denna post redovisas och v\u00e4rderas p\u00e5 upplupen basis, enligt samma princip som f\u00f6r skadef\u00f6rs\u00e4kringsavtal. Finansiella avtal Avtal som klassi\ufb01ceras som \ufb01nansiella avtal \u00e4r avtal med f\u00f6r- s\u00e4kringstagare som inte medf\u00f6r tillr\u00e4cklig f\u00f6rs\u00e4kringsrisk f\u00f6r att klassi\ufb01ceras som f\u00f6rs\u00e4kringsavtal och som inneh\u00e5ller en garanti eller en diskretion\u00e4r del. Finansiella avtal med diskretion\u00e4r del redovisas, i enlighet med IFRS 4, som f\u00f6rs\u00e4kringsavtal med till\u00e4mpning av natio- nella redovisningsprinciper. Finansiella avtal utan diskretion\u00e4r del redovisas och v\u00e4rde- ras till verkligt v\u00e4rde i enlighet med IFRS 9 \u201dFinansiella instru- ment: Redovisning och v\u00e4rdering\u201d, och motsvaras av verkligt v\u00e4rde p\u00e5 tillg\u00e5ngarna h\u00e4nf\u00f6rliga till dessa avtal. Dessa till- g\u00e5ngar klassi\ufb01ceras som tillh\u00f6rande kategorin \u201dFr\u00e5n b\u00f6rjan v\u00e4rderade till verkligt v\u00e4rde via resultatr\u00e4kningen\u201d f\u00f6r att eli- minera eller avsev\u00e4rt minska bristande \u00f6verensst\u00e4mmelse i redovisningen. Detta beskrivs n\u00e4rmare i not K3.3 \u201dKlassi\ufb01ce- ring och v\u00e4rdering\u201d. Avtal med diskretion\u00e4r del (DPF) Enligt vissa traditionella livf\u00f6rs\u00e4kringsavtal och \ufb01nansiella avtal har f\u00f6rs\u00e4kringstagaren r\u00e4tt till betydande f\u00f6rm\u00e5ner ut\u00f6- ver de garanterade. Det \u00e4r Nordea som avg\u00f6r om dessa ytter- ligare f\u00f6rm\u00e5ner ska utbetalas som bonus. Dessa avtal med diskretion\u00e4r del, inklusive fond f\u00f6r kollektivt utf\u00f6rdelad bonus, klassi\ufb01ceras som skulder i balansr\u00e4kningen. Fond f\u00f6r kollektivt utf\u00f6rdelad bonus omfattar belopp som allokerats till men inte gottskrivits f\u00f6rs\u00e4kringstagaren. I Fin- land omfattar fonden f\u00f6rs\u00e4kringstagarens andel av samtliga orealiserade vinster p\u00e5 placeringstillg\u00e5ngar och \u00e5terb\u00e4rings- medel p\u00e5 betalda f\u00f6rs\u00e4kringar och framtida premier (skillna- den mellan retroaktiva och marknadsm\u00e4ssiga prospektiva v\u00e4rderingsprinciper f\u00f6r f\u00f6rs\u00e4kringsavtal). I Norge omfattar den f\u00f6rs\u00e4kringstagarens andel av b\u00e5de samtliga orealiserade vinster p\u00e5 placeringstillg\u00e5ngar och ytterligare lagstadgade reserver. I Sverige \u00e4r huvudprincipen f\u00f6r v\u00e4rdering verkligt v\u00e4rde (f\u00f6rs\u00e4kringsavtal). F\u00f6rs\u00e4kringstagarens andel av b\u00e5de realiserade och orealiserade vinster upptas d\u00e4rf\u00f6r i balans- r\u00e4kningen som antingen \u201dF\u00f6r\u00e4ndring av f\u00f6rs\u00e4kringstekniska avs\u00e4ttningar, livf\u00f6rs\u00e4kring\u201d och/eller \u201dF\u00f6r\u00e4ndring av \u00e5terb\u00e4- ringsmedel, livf\u00f6rs\u00e4kring\u201d som redovisas i not K2.4 \u201dSumma nettoresultat av poster till verkligt v\u00e4rde\u201d, beroende p\u00e5 om pla- ceringsresultatet allokeras eller inte. B\u00e5da dessa ing\u00e5r i balansposten \u201dSkulder till f\u00f6rs\u00e4kringstagare\u201d. Pr\u00f6vning av f\u00f6rs\u00e4kringsskuld Vid varje rapporteringsdatum g\u00f6rs en pr\u00f6vning f\u00f6r att s\u00e4ker- st\u00e4lla att f\u00f6rs\u00e4kringsavs\u00e4ttningarna \u00e4r tillr\u00e4ckliga. Vid pr\u00f6v- ningen s\u00e4kerst\u00e4lls att skuldernas redovisade v\u00e4rde \u00e4r h\u00f6gre \u00e4n den b\u00e4sta uppskattningen av framtida kassafl\u00f6de diskon- terat med aktuell r\u00e4nta. Vid behov g\u00f6rs ytterligare avs\u00e4ttning- ar som redovisas i resultatr\u00e4kningen ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInsuranceContracts",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-665": {
   "value": "31 dec 2022, mn euro F\u00f6rs\u00e4krings- tekniska avs\u00e4ttningar, traditionell livf\u00f6rs\u00e4kring Fond f\u00f6r kollektivt utf\u00f6rdelad bonus F\u00f6rs\u00e4krings- tekniska avs\u00e4ttningar, fond- f\u00f6rs\u00e4kring Avs\u00e4ttningar f\u00f6r ers\u00e4ttnings- krav Avs\u00e4ttningar f\u00f6r sjuk- och olycksfalls- f\u00f6rs\u00e4kring Finansiella avtal Summa Avs\u00e4ttningar/utf\u00f6rdelad bonus vid \u00e5rets b\u00f6rjan 6 299 2 800 7 711 535 93 2 157 19 595 F\u00f6rv\u00e4rv 1 2 408 204 7 919 385 114 \u2013 11 030 Bruttopremieinkomst 49 \u2013 283 \u2013 \u2013 52 384 \u00d6verf\u00f6ringar 51 \u2013 -53 \u2013 \u2013 \u2013 -2 Till\u00e4gg f\u00f6r r\u00e4nta/kapitalavkastning 174 \u2013 -1 344 \u2013 \u2013 -350 -1 520 F\u00f6rs\u00e4kringsers\u00e4ttningar -250 \u2013 -598 -29 7 -167 -1 037 Int\u00e4ktsf\u00f6rd ers\u00e4ttning, inklusive till\u00e4gg f\u00f6r bonus -22 \u2013 -37 \u2013 \u2013 -17 -76 F\u00f6r\u00e4ndring f\u00f6r avs\u00e4ttning/kollektivt utf\u00f6rdelad bonus 477 -254 -223 \u2013 \u2013 0 0 \u00d6vrigt -875 \u2013 486 \u2013 \u2013 170 -219 Omr\u00e4kningsdifferenser -223 -147 -19 -3 -4 -161 -557 Avs\u00e4ttningar/utf\u00f6rdelad bonus vid \u00e5rets slut 8 088 2 603 14 125 888 210 1 684 27 598 Avs\u00e4ttningar h\u00e4nf\u00f6rliga till bonussystem/avtal med diskretion\u00e4r del: 97 % 100 % 1)  F\u00f6r ytterligare information, se not K9.6 \u201dF\u00f6rv\u00e4rv\u201d. 31 dec 2021, mn euro F\u00f6rs\u00e4krings- tekniska avs\u00e4ttningar, traditionell livf\u00f6rs\u00e4kring Fond f\u00f6r kollektivt utf\u00f6rdelad bonus F\u00f6rs\u00e4krings- tekniska avs\u00e4ttningar, fond- f\u00f6rs\u00e4kring Avs\u00e4ttningar f\u00f6r ers\u00e4ttnings- krav Avs\u00e4ttningar f\u00f6r sjuk- och olycksfalls- f\u00f6rs\u00e4kring Finansiella avtal Summa Avs\u00e4ttningar/utf\u00f6rdelad bonus vid \u00e5rets b\u00f6rjan 6 167 2 001 7 070 468 86 2 386 18 178 Bruttopremieinkomst 61 \u2013 383 \u2013 \u2013 58 502 \u00d6verf\u00f6ringar 49 \u2013 -52 \u2013 \u2013 \u2013 -3 Till\u00e4gg f\u00f6r r\u00e4nta/kapitalavkastning 195 \u2013 1 007 \u2013 \u2013 391 1 593 F\u00f6rs\u00e4kringsers\u00e4ttningar -235 \u2013 -469 64 4 -202 -838 Int\u00e4ktsf\u00f6rd ers\u00e4ttning, inklusive till\u00e4gg f\u00f6r bonus -23 \u2013 -40 \u2013 \u2013 -20 -83 F\u00f6r\u00e4ndring f\u00f6r avs\u00e4ttning/kollektivt utf\u00f6rdelad bonus -580 806 -226 \u2013 \u2013 0 0 \u00d6vrigt 463 \u2013 17 \u2013 \u2013 -393 87 Omr\u00e4kningsdifferenser 202 -7 21 3 3 -63 159 Avs\u00e4ttningar/utf\u00f6rdelad bonus vid \u00e5rets slut 6 299 2 800 7 711 535 93 2 157 19 595 Avs\u00e4ttningar h\u00e4nf\u00f6rliga till bonussystem/avtal med diskretion\u00e4r del: 99 % 100 % ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfClaimsAndBenefitsPaidExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-666": {
   "value": "<div class=\"t_11 m0_11 h4_10 ff1_11 fs2_10 fc0_11 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:906.6859px;\">K5.<span class=\"__11 _625\"/>1  Immateriella tillg\u00e5ngar<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h5_10 ff1_11 fs3_10 fc1_10 sc0_11 ls1_11 ws3_10\" style=\"left:7.383362px; bottom:879.629px;\">Redovisningsprinciper<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:855.04474px;\">Immateriella tillg\u00e5ngar \u00e4r iden<span class=\"__11 _617\"/>ti\ufb01erbara, icke-monet<span class=\"__11 _617\"/>\u00e4ra till-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:841.51953px;\"><span class=\"__11 _624\">g\u00e5ngar som saknar fysisk beskaff</span><span class=\"__11 _617\"/>enhet. Tillg\u00e5ngarna s<span class=\"__11 _617\"/>t\u00e5r </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:827.9943px;\">under Nordeas kon<span class=\"__11 _617\"/>troll, vilket inneb\u00e4r att Nor<span class=\"__11 _617\"/>dea har m\u00f6jlighet </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:814.4691px;\">och r\u00e4tt a<span class=\"__11 _617\"/>tt erh\u00e5lla de fram<span class=\"__11 _617\"/>tida ekonomiska f<span class=\"__11 _617\"/>\u00f6rdelarna h\u00e4n<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>\u00f6r-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:800.9439px;\">liga till den underliggande tillg\u00e5ngen. Nordeas immateriella </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:787.4187px;\">tillg\u00e5ngar utg\u00f6rs fr\u00e4ms<span class=\"__11 _617\"/>t av goodwill, IT<span class=\"__11 _625\"/>-utvecklingsprojek<span class=\"__11 _617\"/>t/pro-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:773.8935px;\">gramv<span class=\"__11 _617\"/>aror och kundr<span class=\"__11 _617\"/>elater<span class=\"__11 _617\"/>ade immateriella tillg\u00e5ngar<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h5_10 ff1_11 fs3_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:746.8119px;\">Goodwill<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.013267517px; bottom:733.28296px;\"><span class=\"__11 _624\">Goodwill utg\u00f6r skillnaden mellan anskaffningsv</span><span class=\"__11 _617\"/>\u00e4rdet och det </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.013267517px; bottom:719.75775px;\">verkliga v\u00e4r<span class=\"__11 _617\"/>det p\u00e5 <span class=\"ws7_10\">Nordea</span>s andel a<span class=\"__11 _617\"/>v identi\ufb01erbar<span class=\"__11 _617\"/>a nettotillg\u00e5ng<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.013267517px; bottom:706.23254px;\">ar i f\u00f6rv\u00e4rvade konc<span class=\"__11 _617\"/>ernf<span class=\"__11 _617\"/>\u00f6retag/in<span class=\"__11 _617\"/>tressef<span class=\"__11 _617\"/>\u00f6ret<span class=\"__11 _617\"/>ag/joint ven<span class=\"__11 _617\"/>tures vid </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.013267517px; bottom:692.70734px;\">f\u00f6rv\u00e4rvstidpunk<span class=\"__11 _617\"/>ten. Goodwill som uppkommit vid f<span class=\"__11 _617\"/>\u00f6rv\u00e4rv av </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.013267517px; bottom:679.1821px;\">koncern<span class=\"__11 _617\"/>f\u00f6r<span class=\"__11 _617\"/>etag redovisas som \u201dImma<span class=\"__11 _617\"/>teriella tillg\u00e5ngar<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>. Good<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.013267517px; bottom:665.6569px;\">will som uppkommit vid f<span class=\"__11 _617\"/>\u00f6rv\u00e4rv av in<span class=\"__11 _617\"/>tressef<span class=\"__11 _617\"/>\u00f6retag och join<span class=\"__11 _617\"/>t ven<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.013267517px; bottom:652.1318px;\">tures redo<span class=\"__11 _617\"/>visas inte som en s<span class=\"__11 _617\"/>eparat tillg\u00e5ng ut<span class=\"__11 _617\"/>an som \u201d<span class=\"__11 _625\"/>Ak<span class=\"__11 _617\"/>tier och </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.013267517px; bottom:638.60657px;\">andelar i intre<span class=\"__11 _617\"/>ssef\u00f6r<span class=\"__11 _617\"/>etag och joint v<span class=\"__11 _617\"/>entur<span class=\"__11 _617\"/>es\u201d<span class=\"__11 _625\"/>. Goodwill pr\u00f6vas </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.013267517px; bottom:625.08136px;\">\u00e5rligen f\u00f6r ev<span class=\"__11 _617\"/>entuell<span class=\"__11 _617\"/>t nedskrivningsbehov<span class=\"__11 _625\"/>, eller oftare om h\u00e4n<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.013267517px; bottom:611.55615px;\">delser eller \u00e4ndrade f<span class=\"__11 _617\"/>\u00f6ruts\u00e4ttningar ty<span class=\"__11 _617\"/>der p\u00e5 att nedskrivnings<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.013267517px; bottom:598.03094px;\">behov \ufb01nns. Goodwill redovisas till ansk<span class=\"__11 _617\"/><span class=\"__11 _624\">affningsv</span><span class=\"__11 _617\"/>\u00e4rde minskat </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.013267517px; bottom:584.50574px;\">med ackumulerade nedskrivningar<span class=\"__11 _625\"/>. Nedskrivning av goodwill </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.013267517px; bottom:570.9805px;\">kan inte \u00e5<span class=\"__11 _617\"/>terf\u00f6r<span class=\"__11 _617\"/>as i senare perioder<span class=\"__11 _625\"/>. Goodwill h\u00e4nf\u00f6rlig till in<span class=\"__11 _617\"/>tres<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.013267517px; bottom:557.4553px;\">sef\u00f6r<span class=\"__11 _617\"/>etag och joint v<span class=\"__11 _617\"/>entur<span class=\"__11 _617\"/>es pr\u00f6v<span class=\"__11 _617\"/>as int<span class=\"__11 _617\"/>e separat f<span class=\"__11 _617\"/>\u00f6r nedskriv<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.013267517px; bottom:543.9302px;\">ningsbehov utan inkluder<span class=\"__11 _617\"/>as i det redovisade v<span class=\"__11 _617\"/>\u00e4rdet p\u00e5 intr<span class=\"__11 _617\"/>esse<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.013267517px; bottom:530.40497px;\">f\u00f6r<span class=\"__11 _617\"/>etaget och joint v<span class=\"__11 _617\"/>enture-f<span class=\"__11 _617\"/>\u00f6retaget. Principerna f\u00f6r nedskriv<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.013267517px; bottom:516.87976px;\">ningspr\u00f6vning a<span class=\"__11 _617\"/>v in<span class=\"__11 _617\"/>tressef<span class=\"__11 _617\"/>\u00f6retag och join<span class=\"__11 _617\"/>t ven<span class=\"__11 _617\"/>tures beskrivs i </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.013267517px; bottom:503.35455px;\">not K9.3 \u201d<span class=\"__11 _625\"/>Ak<span class=\"__11 _617\"/>tier och andelar i intr<span class=\"__11 _617\"/>essef<span class=\"__11 _617\"/>\u00f6retag och join<span class=\"__11 _617\"/>t ven<span class=\"__11 _617\"/>tures\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h5_10 ff1_11 fs3_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:476.22992px;\">IT<span class=\"__11 _625\"/>-utvecklingsprojek<span class=\"__11 _617\"/>t/progr<span class=\"__11 _617\"/>amvar<span class=\"__11 _617\"/>or<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:462.7008px;\">Kostnader h\u00e4n<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>\u00f6rliga till underh\u00e5ll av pr<span class=\"__11 _617\"/>ogramv<span class=\"__11 _617\"/>aror kos<span class=\"__11 _617\"/>tnads-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:449.1756px;\">f\u00f6rs l\u00f6pande. Utgifter dir<span class=\"__11 _617\"/>ekt h\u00e4n<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>\u00f6rbara till st<span class=\"__11 _617\"/>\u00f6rre inv<span class=\"__11 _617\"/>esteringar </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:435.65042px;\">i utveckling a<span class=\"__11 _617\"/>v program<span class=\"__11 _617\"/>vara r<span class=\"__11 _617\"/>edovisas som imma<span class=\"__11 _617\"/>teriella till-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:422.1252px;\">g\u00e5ngar om de f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tas generer<span class=\"__11 _617\"/>a fram<span class=\"__11 _617\"/>tida ekonomiska f<span class=\"__11 _617\"/>\u00f6rde-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:408.6px;\">lar<span class=\"__11 _617\"/>. Dessa ut<span class=\"__11 _617\"/>gifter omf<span class=\"__11 _617\"/>attar personalk<span class=\"__11 _617\"/>ostnader f<span class=\"__11 _617\"/>\u00f6r programut-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:395.07483px;\">veckling och indirek<span class=\"__11 _617\"/>ta kos<span class=\"__11 _617\"/>tnader f\u00f6r a<span class=\"__11 _617\"/>tt f\u00e4r<span class=\"__11 _617\"/>digst\u00e4lla tillg\u00e5ngen </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:381.54962px;\">f\u00f6r a<span class=\"__11 _617\"/>vsedd an<span class=\"__11 _617\"/>v\u00e4ndning. Progr<span class=\"__11 _617\"/>amkostnader om<span class=\"__11 _617\"/>fa<span class=\"__11 _617\"/>ttar ocks\u00e5 f<span class=\"__11 _617\"/>\u00f6r-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:368.0244px;\">v\u00e4rvade progr<span class=\"__11 _617\"/>amlicenser som in<span class=\"__11 _617\"/>te \u00e4r h\u00e4nf<span class=\"__11 _617\"/>\u00f6rliga till funk<span class=\"__11 _617\"/>tionen </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:354.4992px;\">hos en materiell tillg\u00e5ng.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:12.908623px; bottom:340.97403px;\">A<span class=\"__11 _617\"/>vskrivningen ber\u00e4knas linj\u00e4rt \u00f6v<span class=\"__11 _617\"/>er program<span class=\"__11 _617\"/>var<span class=\"__11 _617\"/>ans nyttjan-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:327.44882px;\">deperiod, som vanligen \u00e4r 3 till 5 \u00e5r<span class=\"__11 _625\"/>, och i vissa fall f\u00f6r s<span class=\"__11 _617\"/>tra<span class=\"__11 _617\"/>te-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:313.9236px;\">gisk infr<span class=\"__11 _617\"/>astruk<span class=\"__11 _617\"/>tur upp till maximalt 10 \u00e5r<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h5_10 ff1_11 fs3_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:286.8225px;\">Kundrela<span class=\"__11 _617\"/>terade imma<span class=\"__11 _617\"/>teriella tillg\u00e5ngar<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:273.29343px;\">I samband med r\u00f6relsef<span class=\"__11 _617\"/>\u00f6rv\u00e4rv allokeras normalt s<span class=\"__11 _617\"/>ett en del av </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:259.76822px;\">k\u00f6peskillingen till kundr<span class=\"__11 _617\"/>elater<span class=\"__11 _617\"/>ade immateriella tillg\u00e5ngar<span class=\"__11 _625\"/>, </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:246.24301px;\">under f\u00f6ruts\u00e4<span class=\"__11 _617\"/>ttning att tillg\u00e5ngen \u00e4r iden<span class=\"__11 _617\"/>ti\ufb01erbar och under </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:232.7178px;\">Nordeas kon<span class=\"__11 _617\"/>troll. En immateriell tillg\u00e5ng \u00e4r iden<span class=\"__11 _617\"/>ti\ufb01erbar om </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:219.19263px;\">den uppst\u00e5r till f<span class=\"__11 _617\"/>\u00f6ljd a<span class=\"__11 _617\"/>v avt<span class=\"__11 _617\"/>alsm\u00e4ssiga eller lagliga r\u00e4ttighet<span class=\"__11 _617\"/>er<span class=\"__11 _617\"/>, </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:205.66742px;\">eller om den kan separeras f<span class=\"__11 _617\"/>r\u00e5n f<span class=\"__11 _617\"/>\u00f6retaget och s\u00e4ljas, \u00f6<span class=\"__11 _617\"/>verf\u00f6r<span class=\"__11 _617\"/>as, </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:192.14221px;\">licensieras, uthyr<span class=\"__11 _617\"/>as eller bytas. <span class=\"__11 _625\"/>Tillg\u00e5ngen skrivs av \u00f6ver n<span class=\"__11 _617\"/>ytt-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:178.61702px;\">jandeperioden, som vanligen \u00e4r mer \u00e4n 10 \u00e5r<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h5_10 ff1_11 fs3_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:151.53152px;\">Nedskrivning </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:138.00241px;\">Goodwill och IT<span class=\"__11 _625\"/>-utvecklingsprojekt s<span class=\"__11 _617\"/>om \u00e4nnu inte t<span class=\"__11 _617\"/>agits i bruk </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:124.47722px;\">skrivs inte a<span class=\"__11 _617\"/>v<span class=\"__11 _625\"/>, men pr\u00f6vas \u00e5rligen med a<span class=\"__11 _617\"/>vseende p\u00e5 ev<span class=\"__11 _617\"/>entuell<span class=\"__11 _617\"/>t </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:110.95201px;\">nedskrivningsbehov<span class=\"__11 _625\"/>. Pr\u00f6vningen g\u00f6rs oftare om n\u00e5got ty<span class=\"__11 _617\"/>der p\u00e5 </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:97.42682px;\">att ett nedskrivningsbehov f<span class=\"__11 _617\"/>\u00f6religger<span class=\"__11 _625\"/>. \u00c4<span class=\"__11 _625\"/>ven f\u00f6r immateriella </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:83.90161px;\">tillg\u00e5ngar som tagits i bruk och skrivs a<span class=\"__11 _617\"/>v<span class=\"__11 _625\"/>, g\u00f6r<span class=\"__11 _626\"/>s en bed\u00f6mning </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:70.37642px;\">med avseende p\u00e5 indik<span class=\"__11 _617\"/>ationer p\u00e5 nedskrivningsbehov<span class=\"__11 _625\"/>. Om </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:56.85122px;\">s\u00e5dana indikationer \ufb01nns, pr\u00f6<span class=\"__11 _617\"/>vas nedskrivningsbehov<span class=\"__11 _617\"/>et f\u00f6r till<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:43.32602px;\">g\u00e5ngen. Nedskrivningskostnaden ber<span class=\"__11 _617\"/>\u00e4knas som skillnaden </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.013267517px; bottom:29.80082px;\">mellan redovisa<span class=\"__11 _617\"/>t v\u00e4rde och \u00e5<span class=\"__11 _617\"/>tervinningsv\u00e4rde. </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls4_10 ws3_10\" style=\"left:12.908623px; bottom:16.27562px;\">\u00c5tervinningsv\u00e4rdet \u00e4r det h\u00f6gre a<span class=\"__11 _617\"/>v verkligt v<span class=\"__11 _617\"/>\u00e4rde efter </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls4_10 ws3_10\" style=\"left:0.013267517px; bottom:2.7504196px;\">av<span class=\"__11 _617\"/>drag f<span class=\"__11 _617\"/>\u00f6r f<span class=\"__11 _617\"/>\u00f6rs\u00e4ljningskostnader och nyttjandev<span class=\"__11 _617\"/>\u00e4rdet f<span class=\"__11 _617\"/>\u00f6r till<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls4_10 ws3_10\" style=\"left:327.9817px; bottom:907.3346px;\">g\u00e5ngen eller den kassagenererande enhet<span class=\"__11 _617\"/>en. Kassagenerer<span class=\"__11 _617\"/>an<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls4_10 ws3_10\" style=\"left:327.9817px; bottom:893.80945px;\">de enhet de\ufb01nieras som den minst<span class=\"__11 _617\"/>a identi\ufb01erbar<span class=\"__11 _617\"/>a grupp av till<span class=\"__11 _617\"/><span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls4_10 ws3_10\" style=\"left:327.9817px; bottom:880.28424px;\">g\u00e5ngar som ger upphov till kassafl\u00f6den s<span class=\"__11 _617\"/>om i allt v\u00e4sen<span class=\"__11 _617\"/>tligt \u00e4r </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls4_10 ws3_10\" style=\"left:327.9817px; bottom:866.75903px;\">oberoende a<span class=\"__11 _617\"/>v andra tillg\u00e5ngar<span class=\"__11 _625\"/>. F\u00f6r goodwill och IT<span class=\"__11 _625\"/>-utvecklings<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls4_10 ws3_10\" style=\"left:327.9817px; bottom:853.2338px;\">projekt s<span class=\"__11 _617\"/>om \u00e4nnu inte t<span class=\"__11 _617\"/>agits i bruk, motsvaras de kassagener<span class=\"__11 _617\"/>e<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls4_10 ws3_10\" style=\"left:327.9817px; bottom:839.7086px;\">rande enheterna a<span class=\"__11 _617\"/>v r\u00f6r<span class=\"__11 _617\"/>elsesegmen<span class=\"__11 _617\"/>ten. Nyttjandev\u00e4r<span class=\"__11 _617\"/>det \u00e4r </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls4_10 ws3_10\" style=\"left:327.9817px; bottom:826.1834px;\">nuv\u00e4rdet a<span class=\"__11 _617\"/>v de kassafl\u00f6den s<span class=\"__11 _617\"/>om tillg\u00e5ngen eller den kassage<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls4_10 ws3_10\" style=\"left:327.9817px; bottom:812.6582px;\">nererande enheten f<span class=\"__11 _617\"/>\u00f6rv\u00e4n<span class=\"__11 _617\"/>tas ge upphov til<span class=\"__11 _624\"> </span>l. </div><div class=\"t_11 m0_11 h5_10 ff1_11 fs3_10 fc1_10 sc0_11 ls1_11 ws3_10\" style=\"left:335.3519px; bottom:772.0462px;\">Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__11 _617\"/>ttningar<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h5_10 ff1_11 fs3_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:327.9817px; bottom:747.46454px;\">Pr\u00f6vning a<span class=\"__11 _617\"/>v nedskrivningsbehov f<span class=\"__11 _625\"/>\u00f6r goodwill </div><div class=\"t_11 m0_11 h5_10 ff1_11 fs3_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:327.9817px; bottom:733.93933px;\">och andra immat<span class=\"__11 _617\"/>eriella tillg\u00e5ngar<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:327.9817px; bottom:720.4039px;\">I samband med identi\ufb01eringen a<span class=\"__11 _617\"/>v kassagenerer<span class=\"__11 _617\"/>ande enheter </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:327.9817px; bottom:706.87866px;\">och i vilken utstr<span class=\"__11 _617\"/>\u00e4ckning de kan l\u00e4ggas samman till grupper </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:327.9817px; bottom:693.35345px;\">som pr\u00f6v<span class=\"__11 _617\"/>as tillsammans beh\u00f6ver bed\u00f6mningar g\u00f6r<span class=\"__11 _617\"/>as. Int<span class=\"__11 _617\"/>ernt </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:327.9817px; bottom:679.82825px;\">utvecklade progr<span class=\"__11 _617\"/>amvar<span class=\"__11 _617\"/>or<span class=\"__11 _625\"/>, som \u00e4nnu inte har b\u00f6rjat skrivas a<span class=\"__11 _617\"/>v<span class=\"__11 _625\"/>, </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:327.9817px; bottom:666.30304px;\">ing\u00e5r i pr\u00f6vningen a<span class=\"__11 _617\"/>v nedskrivningsbehov<span class=\"__11 _617\"/>et och allokeras till </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:327.9817px; bottom:652.77783px;\">kassagenererande enhet<span class=\"__11 _617\"/>er<span class=\"__11 _625\"/>. Nordeas samlade goodwill uppgick </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:327.9817px; bottom:639.2526px;\"><span class=\"__11 _624\">till 2 262 mn euro (1 975 mn euro</span><span class=\"__11 _617\"/>) vid \u00e5rets slut. V<span class=\"__11 _617\"/>\u00e4rdet p\u00e5 pr<span class=\"__11 _617\"/>o-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:327.9817px; bottom:625.7275px;\">gramv<span class=\"__11 _617\"/>aror som \u00e4nnu in<span class=\"__11 _617\"/>te b\u00f6rjat skriv<span class=\"__11 _617\"/>as av uppgick till 41<span class=\"__11 _617\"/><span class=\"__11 _624\">4 mn </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:327.9817px; bottom:612.2023px;\">euro (<span class=\"__11 _617\"/>446 mn euro<span class=\"__11 _617\"/>) vid \u00e5rets slut.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls12_9 ws3_10\" style=\"left:340.87717px; bottom:598.67706px;\">Uppskattningen a<span class=\"__11 _617\"/>v fr<span class=\"__11 _617\"/>amtida kassafl<span class=\"__11 _617\"/>\u00f6den och ber\u00e4kningen a<span class=\"__11 _617\"/>v </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls12_9 ws3_10\" style=\"left:327.9817px; bottom:585.15186px;\">diskont<span class=\"__11 _617\"/>eringsr\u00e4n<span class=\"__11 _617\"/>tan f\u00f6r de<span class=\"__11 _617\"/>ssa kassafl\u00f6den \u00e4r f<span class=\"__11 _617\"/>\u00f6renade med os\u00e4<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls12_9 ws3_10\" style=\"left:327.9817px; bottom:571.62665px;\">kerhet i uppskattningarna. Uppska<span class=\"__11 _617\"/>ttningen a<span class=\"__11 _617\"/>v fram<span class=\"__11 _617\"/>tida kassafl\u00f6<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls12_9 ws3_10\" style=\"left:327.9817px; bottom:558.10144px;\">den p\u00e5v<span class=\"__11 _617\"/>erkas myck<span class=\"__11 _617\"/>et a<span class=\"__11 _617\"/>v kassafl\u00f6desprognoserna f<span class=\"__11 _617\"/>\u00f6r de n\u00e4rmas<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls12_9 ws3_10\" style=\"left:327.9817px; bottom:544.57623px;\">te \u00e5ren (normalt 3\u20135 \u00e5r) och a<span class=\"__11 _617\"/>v den uppska<span class=\"__11 _617\"/>ttade tillv<span class=\"__11 _617\"/>\u00e4xttakt<span class=\"__11 _617\"/>en </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls12_9 ws3_10\" style=\"left:327.9817px; bottom:531.051px;\">f\u00f6r sek<span class=\"__11 _617\"/>torn eft<span class=\"__11 _617\"/>er 3\u20135 \u00e5r<span class=\"__11 _625\"/>. Tillv<span class=\"__11 _617\"/>\u00e4xttak<span class=\"__11 _617\"/>ten baseras p\u00e5 his<span class=\"__11 _617\"/>toriska dat<span class=\"__11 _617\"/>a </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls12_9 ws3_10\" style=\"left:327.9817px; bottom:517.5258px;\">som uppdater<span class=\"__11 _617\"/>as f\u00f6r a<span class=\"__11 _617\"/>tt spegla den aktuella situa<span class=\"__11 _617\"/>tionen, vilket ger </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls12_9 ws3_10\" style=\"left:327.9817px; bottom:504.00067px;\">upphov till os\u00e4kerhet i uppska<span class=\"__11 _617\"/>ttningarna. \u00c4<span class=\"__11 _625\"/>ven vid uppskattning </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls12_9 ws3_10\" style=\"left:327.9817px; bottom:490.47546px;\">av l\u00e5ngsik<span class=\"__11 _617\"/>tig tillv<span class=\"__11 _617\"/>\u00e4xttak<span class=\"__11 _617\"/>t kr\u00e4<span class=\"__11 _617\"/>vs att kritiska bed\u00f6mningar g\u00f6rs.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:340.87717px; bottom:476.95026px;\">Fr<span class=\"__11 _617\"/>amr\u00e4knade kassafl\u00f6den disk<span class=\"__11 _617\"/>onter<span class=\"__11 _617\"/>as med en r\u00e4n<span class=\"__11 _617\"/>ta baser<span class=\"__11 _617\"/>ad </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:327.9817px; bottom:463.42505px;\">p\u00e5 den l\u00e5ngfristiga riskf<span class=\"__11 _617\"/>ria r\u00e4n<span class=\"__11 _617\"/>tan plus en riskpremie.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h5_10 ff1_11 fs3_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:327.9817px; bottom:436.29276px;\">A<span class=\"__11 _625\"/>vskrivningstid f\u00f6r kapitaliserad pr<span class=\"__11 _617\"/>ogramv<span class=\"__11 _617\"/>ara<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:327.9817px; bottom:422.76364px;\">Intern<span class=\"__11 _617\"/>t utvecklade pr<span class=\"__11 _617\"/>ogramv<span class=\"__11 _617\"/>aror kapitaliser<span class=\"__11 _617\"/>as och skrivs a<span class=\"__11 _617\"/>v </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:327.9817px; bottom:409.23843px;\">under program<span class=\"__11 _617\"/>varans n<span class=\"__11 _617\"/>yttjandeperiod. Eftersom IT<span class=\"__11 _625\"/>-milj\u00f6n f\u00f6r-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:327.9817px; bottom:395.71326px;\">\u00e4ndras snabbt g\u00f6r ledningen bed\u00f6mningar f<span class=\"__11 _617\"/>\u00f6r att uppska<span class=\"__11 _617\"/>tta </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:327.9817px; bottom:382.18805px;\">program<span class=\"__11 _617\"/>varans n<span class=\"__11 _617\"/>yttjandeperiod, vilket p\u00e5<span class=\"__11 _617\"/>verkar det \u00e5rliga </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:327.9817px; bottom:368.66284px;\">avskrivningsbeloppet. </div><div class=\"t_11 m0_11 h5_10 ff1_11 fs3_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:327.9817px; bottom:341.58905px;\">H\u00f6gre energi- och r<span class=\"__11 _617\"/>\u00e5<span class=\"__11 _617\"/>varupriser och </div><div class=\"t_11 m0_11 h5_10 ff1_11 fs3_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:327.9817px; bottom:328.06384px;\">l\u00e4gre priva<span class=\"__11 _617\"/>tkonsum<span class=\"__11 _617\"/>tion<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:327.9817px; bottom:314.53085px;\">F\u00f6r in<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>ormation om kritiska bed\u00f6mningar som gjorts vid upp-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:327.9817px; bottom:301.00565px;\">r\u00e4ttandet a<span class=\"__11 _625\"/>v denna \u00e5r<span class=\"__11 _626\"/>sredovisning, till f<span class=\"__11 _617\"/>\u00f6ljd av os\u00e4k<span class=\"__11 _617\"/>erhet kring </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:327.9817px; bottom:287.48044px;\">hur h\u00f6gre energi- och r<span class=\"__11 _617\"/>\u00e5v<span class=\"__11 _617\"/>arupriser och l\u00e4gre priv<span class=\"__11 _617\"/>atkonsum<span class=\"__11 _617\"/>tion </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:327.9817px; bottom:273.95526px;\">i olika sekt<span class=\"__11 _617\"/>orer p\u00e5 l\u00e5ng sik<span class=\"__11 _617\"/>t kan komma att p\u00e5<span class=\"__11 _617\"/>verk<span class=\"__11 _617\"/>a Nordeas </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:327.9817px; bottom:260.43005px;\">redovisning, se no<span class=\"__11 _617\"/>t K1 \u201dRedo<span class=\"__11 _617\"/>visningsprinciper<span class=\"__11 _626\"/>\u201d<span class=\"__11 _624\"> </span><span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h5_10 ff1_11 fs3_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:327.9817px; bottom:206.30066px;\">Pr\u00f6vning a<span class=\"__11 _617\"/>v nedskrivningsbehov<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:327.9817px; bottom:192.77155px;\">Nedskrivningspr\u00f6vningen genom<span class=\"__11 _617\"/>f\u00f6rs f<span class=\"__11 _617\"/>\u00f6r varje kassagener<span class=\"__11 _617\"/>eran<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:327.9817px; bottom:179.24635px;\">de enhet genom att j\u00e4mf<span class=\"__11 _617\"/>\u00f6ra det r<span class=\"__11 _617\"/>edovisade v<span class=\"__11 _617\"/>\u00e4rdet p\u00e5 nettotill<span class=\"__11 _617\"/><span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:327.9817px; bottom:165.72115px;\">g\u00e5ngarna, inklusive goodwill, med \u00e5tervinningsv\u00e4r<span class=\"__11 _617\"/>det. \u00c5tervin<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:327.9817px; bottom:152.19595px;\">ningsv\u00e4rdet \u00e4r n<span class=\"__11 _617\"/>yttjandev\u00e4rdet och ber<span class=\"__11 _617\"/>\u00e4knas p\u00e5 basis a<span class=\"__11 _617\"/>v diskon<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:327.9817px; bottom:138.67075px;\">terade kassa<span class=\"__11 _617\"/>fl\u00f6den. D\u00e5 inves<span class=\"__11 _617\"/>teringarna \u00e4r a<span class=\"__11 _617\"/>v en s\u00e5dan l\u00e5ngsiktig </div><div class=\"t_11 m0_11 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:327.9817px; bottom:125.14555px;\">karak<span class=\"__11 _617\"/>t\u00e4r har eviga kassafl\u00f6den an<span class=\"__11 _617\"/>v\u00e4n<span class=\"__11 _617\"/>ts vid ber\u00e4kningen. </div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls12_9 ws3_10\" style=\"left:340.87717px; bottom:111.596954px;\">Kassafl\u00f6den f<span class=\"__11 _617\"/>\u00f6r de n\u00e4rmast<span class=\"__11 _617\"/>e tre \u00e5ren baser<span class=\"__11 _617\"/>as p\u00e5 \ufb01nansiella </div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls12_9 ws3_10\" style=\"left:327.9817px; bottom:98.07175px;\">prognoser<span class=\"__11 _625\"/>. Prognoserna bygger p\u00e5 <span class=\"ws19_9\">Nordea</span>s makr<span class=\"__11 _617\"/>oekonomiska </div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls12_9 ws3_10\" style=\"left:327.9817px; bottom:84.546555px;\">utsikter s<span class=\"__11 _617\"/>om inkluderar in<span class=\"__11 _617\"/>forma<span class=\"__11 _617\"/>tion om BNP-tillv<span class=\"__11 _617\"/>\u00e4xt, inflation och </div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls12_9 ws3_10\" style=\"left:327.9817px; bottom:71.02135px;\">ref<span class=\"__11 _617\"/>erensr\u00e4n<span class=\"__11 _617\"/>tor f<span class=\"__11 _617\"/>\u00f6r relev<span class=\"__11 _617\"/>anta l\u00e4nder<span class=\"__11 _625\"/>. Baserat p\u00e5 dessa makr<span class=\"__11 _617\"/>oeko</div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:626.6273px; bottom:71.00964px;\">-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls12_9 ws3_10\" style=\"left:327.9817px; bottom:57.480545px;\">nomiska prognoser uppska<span class=\"__11 _617\"/><span class=\"__11 _624\">ttar aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5dena hur marginaler<span class=\"__11 _625\"/>, </div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls12_9 ws3_10\" style=\"left:327.9817px; bottom:43.955345px;\">volymer<span class=\"__11 _625\"/>, f\u00f6rs\u00e4ljning och kostnader k<span class=\"__11 _617\"/>ommer att utvecklas under de </div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls12_9 ws3_10\" style=\"left:327.9817px; bottom:30.430145px;\">kommande \u00e5ren. Kreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter ber\u00e4knas utif<span class=\"__11 _617\"/>r\u00e5n det l\u00e5ngsik<span class=\"__11 _617\"/>tiga </div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls12_9 ws3_10\" style=\"left:327.9817px; bottom:16.904945px;\">genomsnittet f\u00f6r olik<span class=\"__11 _617\"/><span class=\"__11 _624\">a aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5den. Detta resul<span class=\"__11 _617\"/>terar i en re<span class=\"__11 _617\"/>sul</div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:628.63916px; bottom:16.89325px;\">-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls12_9 ws3_10\" style=\"left:327.9817px; bottom:3.364151px;\">tatr\u00e4kning f<span class=\"__11 _617\"/>\u00f6r v<span class=\"__11 _617\"/>arje \u00e5r<span class=\"__11 _617\"/>. Det es<span class=\"__11 _617\"/>timerade kassafl\u00f6det f<span class=\"__11 _617\"/>\u00f6r re<span class=\"__11 _617\"/>spektiv<span class=\"__11 _617\"/>e<span class=\"__11 _624\"> </span></div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls12_9 ws3_10\" style=\"left:0.013267517px; bottom:192.16089px;\">\u00e5r \u00e4r det prognosticer<span class=\"__11 _617\"/>ade nettoresul<span class=\"__11 _617\"/>tatet i de<span class=\"__11 _617\"/>ssa resulta<span class=\"__11 _617\"/>tr\u00e4kning<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls12_9 ws3_10\" style=\"left:0.013267517px; bottom:178.63184px;\">ar<span class=\"__11 _625\"/>, reducerat med det lagstadgade kapit<span class=\"__11 _617\"/>al som kr\u00e4<span class=\"__11 _617\"/>vs f<span class=\"__11 _617\"/>\u00f6r att verk<span class=\"__11 _617\"/><span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls12_9 ws3_10\" style=\"left:0.013267517px; bottom:165.1026px;\">samheten ska kunna v<span class=\"__11 _617\"/>\u00e4xa i enlighet med tillv\u00e4x<span class=\"__11 _617\"/>tantagandena. F<span class=\"__11 _617\"/>\u00f6r </div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls12_9 ws3_10\" style=\"left:0.013267517px; bottom:151.5774px;\">de kassagenererande enhet<span class=\"__11 _617\"/>er som har mer kapital \u00e4n vad k<span class=\"__11 _617\"/>oncer</div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:308.19635px; bottom:151.57361px;\">-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls12_9 ws3_10\" style=\"left:0.013267517px; bottom:138.0445px;\">nens m\u00e5l f\u00f6r k\u00e4rnprim\u00e4rkapit<span class=\"__11 _617\"/>alrelation anger<span class=\"__11 _625\"/>, kommer \u00e4v<span class=\"__11 _617\"/>en </div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls12_9 ws3_10\" style=\"left:0.013267517px; bottom:124.51935px;\">utdelningar att inkluder<span class=\"__11 _617\"/>as i kassafl\u00f6dena under tre \u00e5r till dess a<span class=\"__11 _617\"/>tt </div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls12_9 ws3_10\" style=\"left:0.013267517px; bottom:110.99414px;\">k\u00e4rnprim\u00e4rkapitalrela<span class=\"__11 _617\"/>tionen uppg\u00e5r till koncernens m\u00e5ls\u00e4ttning. </div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:12.908623px; bottom:97.46893px;\">Prognoserna tar \u00e4<span class=\"__11 _617\"/>ven h\u00e4nsyn till de s<span class=\"__11 _617\"/>t\u00f6rre projek<span class=\"__11 _617\"/>t som <span class=\"ws7_10\">Nordea</span><span class=\"ls1_11\"> </span></div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.013267517px; bottom:83.943726px;\">initierat. Centr<span class=\"__11 _617\"/>ala kostnader har allok<span class=\"__11 _617\"/>erats till a<span class=\"__11 _617\"/><span class=\"__11 _624\">ff\u00e4rsomr</span><span class=\"__11 _617\"/>\u00e5dena f\u00f6r </div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.013267517px; bottom:70.41852px;\">att s\u00e4kerst\u00e4lla a<span class=\"__11 _617\"/>tt kassafl\u00f6dena i de kassagener<span class=\"__11 _617\"/>erande enheterna </div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.013267517px; bottom:56.89331px;\">\u00e4v<span class=\"__11 _617\"/>en inneh\u00e5ller alla indirek<span class=\"__11 _617\"/>ta kostnader<span class=\"__11 _625\"/>. Skattekos<span class=\"__11 _617\"/>tnader har </div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.013267517px; bottom:43.368103px;\">ber\u00e4knats baser<span class=\"__11 _617\"/>at p\u00e5 schablonska<span class=\"__11 _617\"/>ttesats<span class=\"__11 _617\"/>er<span class=\"__11 _625\"/>. Kassafl\u00f6den f\u00f6r peri</div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:305.67032px; bottom:43.34082px;\">-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.013267517px; bottom:29.811584px;\">oden efter prognosperioden baser<span class=\"__11 _617\"/>as p\u00e5 uppskattningar a<span class=\"__11 _617\"/>v sek<span class=\"__11 _617\"/><span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.013267517px; bottom:16.28247px;\">torbaserade till<span class=\"__11 _617\"/>v\u00e4xttal. <span class=\"__11 _625\"/>Tillv\u00e4xttakt<span class=\"__11 _617\"/>en bygger p\u00e5 his<span class=\"__11 _617\"/>toriska data, </div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.013267517px; bottom:2.7572632px;\">vilka uppdater<span class=\"__11 _617\"/>ats f<span class=\"__11 _617\"/>\u00f6r att spegla den ak<span class=\"__11 _617\"/>tuella situationen.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:12.908417px; bottom:178.62964px;\">Fr<span class=\"__11 _617\"/>amr\u00e4knade kassafl\u00f6den disk<span class=\"__11 _617\"/>onter<span class=\"__11 _617\"/>as med en r\u00e4n<span class=\"__11 _617\"/>ta baser<span class=\"__11 _617\"/>ad </div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.012939453px; bottom:165.10449px;\">p\u00e5 den l\u00e5ngfristiga riskf<span class=\"__11 _617\"/>ria r\u00e4n<span class=\"__11 _617\"/>tan plus en riskpremie. Diskon<span class=\"__11 _617\"/>te</div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:296.66553px; bottom:165.10059px;\">-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.012939453px; bottom:151.57135px;\">ringsr\u00e4n<span class=\"__11 _617\"/>tan som anv\u00e4nde<span class=\"__11 _617\"/>s 2022 var 9,0 proc<span class=\"__11 _617\"/>ent (6,8 procen<span class=\"__11 _617\"/>t) </div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.012939453px; bottom:138.04614px;\">efter skatt, vilket motsv<span class=\"__11 _617\"/>arar en r\u00e4n<span class=\"__11 _617\"/>ta p\u00e5 11,<span class=\"__11 _617\"/><span class=\"__11 _624\">7 procen</span><span class=\"__11 _617\"/>t (8,8 procent) </div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.012939453px; bottom:124.520935px;\">f\u00f6r<span class=\"__11 _617\"/>e skatt. Den ber\u00e4knade tillv<span class=\"__11 _617\"/>\u00e4xttak<span class=\"__11 _617\"/>ten 2,5 procen<span class=\"__11 _617\"/>t (1,6 procen<span class=\"__11 _617\"/>t). </div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.012939453px; bottom:110.99573px;\">De kassagenererande enhet<span class=\"__11 _617\"/>erna t\u00e4cker alla nordiska v<span class=\"__11 _617\"/>alutor och </div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws7_10\" style=\"left:0.012939453px; bottom:97.47052px;\">Nordea<span class=\"ws3_10\"> diskon<span class=\"__11 _617\"/>terar f<span class=\"__11 _617\"/>ram<span class=\"__11 _617\"/>tida kassafl\u00f6den med en euro-denomi<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:300.6704px; bottom:97.454956px;\">-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls3_10 ws3_10\" style=\"left:0.012939453px; bottom:83.925964px;\">nerad r\u00e4n<span class=\"__11 _617\"/>ta f<span class=\"__11 _617\"/>\u00f6r alla kassagenerer<span class=\"__11 _617\"/>ande enheter<span class=\"__11 _625\"/>.<span class=\"__11 _626\"/> </div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:12.908417px; bottom:70.40076px;\">De pr\u00f6vningar a<span class=\"__11 _617\"/>v nedskrivningsbehov<span class=\"__11 _617\"/>et som gjordes 2022 </div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.012939453px; bottom:56.87555px;\">p\u00e5visade in<span class=\"__11 _617\"/>te n\u00e5go<span class=\"__11 _617\"/>t behov a<span class=\"__11 _617\"/>v en nedskrivning av goodwill. </div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:12.908417px; bottom:43.35034px;\">B\u00e5de en \u00f6kning av disk<span class=\"__11 _617\"/>onteringsr<span class=\"__11 _617\"/>\u00e4nt<span class=\"__11 _617\"/>an med 1 procen<span class=\"__11 _617\"/>tenhet </div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.012939453px; bottom:29.825195px;\">och en minskning av den f<span class=\"__11 _617\"/>ram<span class=\"__11 _617\"/>tida tillv<span class=\"__11 _617\"/>\u00e4xttakt<span class=\"__11 _617\"/>en med 1 procen<span class=\"__11 _617\"/>t</div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:305.4508px; bottom:29.80957px;\">-<span class=\"__11 _624\"> </span></div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.012939453px; bottom:16.280334px;\">enheter \u00e4r rimliga t\u00e4nkbara \u00e4ndringar i vik<span class=\"__11 _617\"/>tiga an<span class=\"__11 _617\"/>taganden. En </div><div class=\"t_11 m1_6 h6_10 ff2_11 fs4_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.012939453px; bottom:2.755127px;\">s\u00e5dan \u00e4ndring skulle in<span class=\"__11 _617\"/>te leda till n\u00e5gon nedskrivning.<span class=\"__11 _624\"> </span></div>Immateriella tillg\u00e5ngar<span class=\"__11 _624\"> </span>Kassagenererande enheter<span class=\"__11 _625\"/>, mn euro<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Goodwill1 </span>31 dec 2022<span class=\"__11 _624\"> </span>Internt utvecklad programv<span class=\"__11 _617\"/>ara <span class=\"__11 _e4_3\"/> 31 dec 2022<span class=\"__11 _624\"> </span>Summa <span class=\"__11 _e4_3\"/> 31 dec 2022<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Goodwill1 </span>31 dec 2021<span class=\"__11 _624\"> </span>Internt utvecklad programv<span class=\"__11 _617\"/>ara <span class=\"__11 _e4_3\"/> 31 dec 2021<span class=\"__11 _624\"> </span>Summa <span class=\"__11 _e4_3\"/> 31 dec 2021<span class=\"__11 _624\"> </span>Personal Banking <span class=\"__11 _619\"> </span>1 029<span class=\"__11 _e1_3\"> </span>564<span class=\"__11 _709\"> </span>1 593<span class=\"__11 _645\"> </span>1 053<span class=\"__11 _b7_4\"> </span>590<span class=\"__11 _645\"> </span>1 643<span class=\"__11 _624\"> </span>Business Banking<span class=\"__11 _e5_3\"> </span><span class=\"ls6_10 ws8_10\">7<span class=\"__11 _626\"/>24<span class=\"__11 _e1_3\"> </span></span>490<span class=\"__11 _b6_4\"> </span>1 214<span class=\"__11 _c2_4\"> </span><span class=\"ls0_11 ws0_11\">751<span class=\"__11 _631\"> </span></span>522<span class=\"__11 _710\"> </span>1 27<span class=\"__11 _626\"/>3<span class=\"__11 _624\"> </span>Large Corpora<span class=\"__11 _617\"/>tes &amp; Insitutions<span class=\"__11 _e6_3\"> </span>165<span class=\"__11 _e1_3\"> </span>308<span class=\"__11 _631\"> </span>473<span class=\"__11 _1b_7\"> </span><span class=\"ls0_11 ws0_11\">171<span class=\"__11 _c5_4\"> </span></span>336<span class=\"__11 _e7_3\"> </span>507<span class=\"__11 _624\"> </span>Asset &amp; W<span class=\"__11 _617\"/>ealth Management<span class=\"__11 _a1_3\"> </span>344<span class=\"__11 _e7_3\"> </span>2<span class=\"__11 _626\"/>37<span class=\"__11 _631\"> </span>581<span class=\"__11 _a6_4\"> </span>\u2013<span class=\"__11 _631\"> </span>195<span class=\"__11 _de_3\"> </span>195<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _e8_4\"> </span>2 262<span class=\"__11 _a5_4\"> </span>1 599<span class=\"__11 _a5_4\"> </span>3 861<span class=\"__11 _645\"> </span>1 975<span class=\"__11 _a5_4\"> </span>1 64<span class=\"__11 _626\"/>3<span class=\"__11 _a5_4\"> </span>3 618<span class=\"__11 _624\"> </span><span class=\"__11 _624\">\u00d6vriga immateriella tillg\u00e5ngar2</span><span class=\"__11 _643\"> </span>\u2013<span class=\"__11 _e9_4\"> </span>\u2013<span class=\"__11 _631\"> </span>183<span class=\"__11 _a6_4\"> </span>\u2013<span class=\"__11 _a6_4\"> </span>\u2013<span class=\"__11 _e7_3\"> </span>166<span class=\"__11 _624\"> </span>Summa immateriella tillg\u00e5ngar<span class=\"__11 _7d_4\"> </span>2 262<span class=\"__11 _a5_4\"> </span>1 599<span class=\"__11 _661\"> </span>4 044<span class=\"__11 _645\"> </span>1 975<span class=\"__11 _a5_4\"> </span>1 643<span class=\"__11 _a5_4\"> </span>3 784<span class=\"__11 _624\"> </span>1)  Exklusive goodwill i intresse<span class=\"__11 _617\"/>f\u00f6retag.<span class=\"__11 _624\"> </span>2)  Inklusive k\u00f6pta progr<span class=\"__11 _617\"/>amlicenser utanf<span class=\"__11 _617\"/>\u00f6r interna utv<span class=\"__11 _617\"/>ecklingsprojekt om 109 mn euro (130 mn eur<span class=\"__11 _617\"/>o)<span class=\"__11 _624\"> </span>.<span class=\"__11 _624\"> </span><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:0.011352539px; bottom:455.56696px;\">F\u00f6r\u00e4ndringar a<span class=\"__11 _617\"/>v goodwill, mn euro<span class=\"__11 _624\"> </span></div><div class=\"t_11 m2_5 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:208.05075px; bottom:455.56696px;\">31 dec 2022<span class=\"__11 _669\"> </span>31 dec 2021<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.011352539px; bottom:439.8979px;\"><span class=\"__11 _624\">Anskaffningsv\u00e4r</span><span class=\"__11 _617\"/>de vid \u00e5rets b\u00f6rjan<span class=\"__11 _c8_4\"> </span>2 116<span class=\"__11 _648\"> </span>2 07<span class=\"__11 _626\"/>9<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.011352539px; bottom:424.2277px;\">Ink\u00f6p<span class=\"__11 _ec_3\"> </span>344<span class=\"__11 _1a_7\"> </span>\u2013<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.011352539px; bottom:408.5575px;\"><span class=\"__11 _624\">Utrangeringar1</span><span class=\"__11 _ed_3\"> </span><span class=\"ls0_11 ws0_11\">-141<span class=\"__11 _1a_7\"> </span></span>\u2013<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.011352539px; bottom:392.8873px;\"><span class=\"__11 _624\">Omr\u00e4kningsdiff</span><span class=\"__11 _617\"/>erenser<span class=\"__11 _ee_4\"> </span><span class=\"ls0_11 ws0_11\">-57<span class=\"__11 _710\"> </span></span>37<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.011352539px; bottom:377.2171px;\"><span class=\"__11 _624\">Anskaffningsv\u00e4r</span><span class=\"__11 _617\"/>de vid \u00e5rets slut<span class=\"__11 _690\"> </span>2 262<span class=\"__11 _b3_3\"> </span>2 116<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.011352539px; bottom:361.5469px;\">Ackumulerade nedskrivningar vid \u00e5r<span class=\"__11 _617\"/>ets b\u00f6rjan<span class=\"__11 _b5_4\"> </span><span class=\"ls0_11 ws0_11\">-141<span class=\"__11 _702\"> </span>-141<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.011352539px; bottom:345.8767px;\"><span class=\"__11 _624\">Utrangeringar1</span><span class=\"__11 _ef_3\"> </span><span class=\"ls0_11 ws0_11\">141<span class=\"__11 _1a_7\"> </span></span>\u2013<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.011352539px; bottom:330.2065px;\">Ackumulerade nedskrivningar vid \u00e5r<span class=\"__11 _617\"/>ets slut<span class=\"__11 _f0_4\"> </span>\u2013<span class=\"__11 _692\"> </span><span class=\"ls0_11 ws0_11\">-141<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.011352539px; bottom:314.5363px;\">Summa<span class=\"__11 _f1_3\"> </span>2 262<span class=\"__11 _656\"> </span>1 975<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hc_10 ff2_11 fs7_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.011352539px; bottom:299.30902px;\">1) A<span class=\"__11 _617\"/>vser Ryssland, se no<span class=\"__11 _617\"/>t K2.4 Summa nettoresulta<span class=\"__11 _617\"/>t av </div><div class=\"t_11 m0_11 hc_10 ff2_11 fs7_10 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:10.183075px; bottom:290.47214px;\">poster till verkligt v\u00e4r<span class=\"__11 _617\"/>de.<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:0.011352539px; bottom:274.99185px;\">F\u00f6r\u00e4ndringar a<span class=\"__11 _617\"/>v progr<span class=\"__11 _617\"/>amvara, mn eur<span class=\"__11 _617\"/>o<span class=\"__11 _624\"> </span></div><div class=\"t_11 m2_5 h9_10 ff1_11 fs5_10 fc3_7 sc0_11 ls1_11 ws3_10\" style=\"left:208.05075px; bottom:274.99185px;\">31 dec 2022<span class=\"__11 _669\"> </span>31 dec 2021<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.011352539px; bottom:259.3227px;\"><span class=\"__11 _624\">Anskaffningsv\u00e4r</span><span class=\"__11 _617\"/>de vid \u00e5rets b\u00f6rjan<span class=\"__11 _673\"> </span>2 794<span class=\"__11 _648\"> </span>2 580<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.011352539px; bottom:243.6525px;\">Ink\u00f6p<span class=\"__11 _f2_3\"> </span>356<span class=\"__11 _694\"> </span>331<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.011352539px; bottom:227.9823px;\">F\u00f6rs\u00e4ljningar<span class=\"__11 _617\"/>/utrangeringar<span class=\"__11 _f3_3\"> </span>-69<span class=\"__11 _6c_3\"> </span>-103<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.011352539px; bottom:212.3121px;\"><span class=\"__11 _624\">Omr\u00e4kningsdiff</span><span class=\"__11 _617\"/>erenser<span class=\"__11 _f4_3\"> </span>-98<span class=\"__11 _b5_4\"> </span><span class=\"ls0_11 ws0_11\">-14<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.011352539px; bottom:196.6419px;\"><span class=\"__11 _624\">Anskaffningsv\u00e4r</span><span class=\"__11 _617\"/>de vid \u00e5rets slut<span class=\"__11 _676\"> </span>2 983<span class=\"__11 _648\"> </span>2 794<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.011352539px; bottom:180.9717px;\">Ackumulerade a<span class=\"__11 _617\"/>vskrivningar vid \u00e5rets b\u00f6rjan<span class=\"__11 _b6_4\"> </span>-955<span class=\"__11 _684\"> </span>-698<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.011352539px; bottom:165.3015px;\">A<span class=\"__11 _617\"/>vskrivningar enligt plan<span class=\"__11 _f5_3\"> </span>-322<span class=\"__11 _6a_3\"> </span>-307<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.011352539px; bottom:149.6313px;\">Ackumulerade a<span class=\"__11 _617\"/>vskrivningar p\u00e5 tillg\u00e5ngar som </div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.011352539px; bottom:138.58391px;\">s\u00e5lts/utrangera<span class=\"__11 _617\"/>ts<span class=\"__11 _3d_5\"> </span>26<span class=\"__11 _a5_4\"> </span><span class=\"ls7_10 ws9_10\">48<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.011352539px; bottom:122.9137px;\"><span class=\"__11 _624\">Omr\u00e4kningsdiff</span><span class=\"__11 _617\"/>erenser<span class=\"__11 _6b_3\"> </span>40<span class=\"__11 _e1_3\"> </span>2<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.011352539px; bottom:107.2435px;\">Ackumulerade a<span class=\"__11 _617\"/>vskrivningar vid \u00e5rets sl<span class=\"__11 _617\"/>ut<span class=\"__11 _e_10\"> </span>-<span class=\"__11 _617\"/>1 211<span class=\"__11 _6a_3\"> </span>-955<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.011352539px; bottom:91.5733px;\">Ackumulerade nedskrivningar vid \u00e5r<span class=\"__11 _617\"/>ets b\u00f6rjan<span class=\"__11 _694\"> </span>-196<span class=\"__11 _692\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _626\"/>14<span class=\"__11 _624\"> </span></span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.011352539px; bottom:75.90311px;\">Ackumulerade nedskrivningar p\u00e5 tillg\u00e5ngar </div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.011352539px; bottom:64.8557px;\">som s\u00e5lts/utranger<span class=\"__11 _617\"/>ats <span class=\"__11 _680\"> </span><span class=\"ls7_10 ws9_10\">43<span class=\"__11 _709\"> </span></span>55<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.011352539px; bottom:49.1855px;\">Nedskrivningar<span class=\"__11 _aa_3\"> </span><span class=\"ls6_10 ws8_10\">-26<span class=\"__11 _694\"> </span></span>-40<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 ha_10 ff2_11 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.011352539px; bottom:33.515297px;\"><span class=\"__11 _624\">Omr\u00e4kningsdiff</span><span class=\"__11 _617\"/>erenser<span class=\"__11 _f6_3\"> </span>6<span class=\"__11 _bc_3\"> </span>3<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.011352539px; bottom:17.8451px;\">Ackumulerade nedskrivningar vid \u00e5r<span class=\"__11 _617\"/>ets slut<span class=\"__11 _b1_3\"> </span><span class=\"ls0_11 ws0_11\">-173<span class=\"__11 _6c_3\"> </span></span>-196<span class=\"__11 _624\"> </span></div><div class=\"t_11 m0_11 hb_10 ff4_10 fs0_11 fc2_9 sc0_11 ls1_11 ws3_10\" style=\"left:0.011352539px; bottom:2.1749039px;\">Summa<span class=\"__11 _f1_3\"> </span>1 599<span class=\"__11 _648\"> </span>1 64<span class=\"__11 _626\"/>3<span class=\"__11 _624\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-667": {
   "value": "K5.<span class=\"__11 _625\"/>1  Immateriella tillg\u00e5ngar<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>Immateriella tillg\u00e5ngar \u00e4r iden<span class=\"__11 _617\"/>ti\ufb01erbara, icke-monet<span class=\"__11 _617\"/>\u00e4ra till-<span class=\"__11 _624\"> </span><span class=\"__11 _624\">g\u00e5ngar som saknar fysisk beskaff</span><span class=\"__11 _617\"/>enhet. Tillg\u00e5ngarna s<span class=\"__11 _617\"/>t\u00e5r under Nordeas kon<span class=\"__11 _617\"/>troll, vilket inneb\u00e4r att Nor<span class=\"__11 _617\"/>dea har m\u00f6jlighet och r\u00e4tt a<span class=\"__11 _617\"/>tt erh\u00e5lla de fram<span class=\"__11 _617\"/>tida ekonomiska f<span class=\"__11 _617\"/>\u00f6rdelarna h\u00e4n<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>\u00f6r-<span class=\"__11 _624\"> </span>liga till den underliggande tillg\u00e5ngen. Nordeas immateriella tillg\u00e5ngar utg\u00f6rs fr\u00e4ms<span class=\"__11 _617\"/>t av goodwill, IT<span class=\"__11 _625\"/>-utvecklingsprojek<span class=\"__11 _617\"/>t/pro-<span class=\"__11 _624\"> </span>gramv<span class=\"__11 _617\"/>aror och kundr<span class=\"__11 _617\"/>elater<span class=\"__11 _617\"/>ade immateriella tillg\u00e5ngar<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Goodwill<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Goodwill utg\u00f6r skillnaden mellan anskaffningsv</span><span class=\"__11 _617\"/>\u00e4rdet och det verkliga v\u00e4r<span class=\"__11 _617\"/>det p\u00e5 <span class=\"ws7_10\">Nordea</span>s andel a<span class=\"__11 _617\"/>v identi\ufb01erbar<span class=\"__11 _617\"/>a nettotillg\u00e5ng<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ar i f\u00f6rv\u00e4rvade konc<span class=\"__11 _617\"/>ernf<span class=\"__11 _617\"/>\u00f6retag/in<span class=\"__11 _617\"/>tressef<span class=\"__11 _617\"/>\u00f6ret<span class=\"__11 _617\"/>ag/joint ven<span class=\"__11 _617\"/>tures vid f\u00f6rv\u00e4rvstidpunk<span class=\"__11 _617\"/>ten. Goodwill som uppkommit vid f<span class=\"__11 _617\"/>\u00f6rv\u00e4rv av koncern<span class=\"__11 _617\"/>f\u00f6r<span class=\"__11 _617\"/>etag redovisas som \u201dImma<span class=\"__11 _617\"/>teriella tillg\u00e5ngar<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>. Good<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>will som uppkommit vid f<span class=\"__11 _617\"/>\u00f6rv\u00e4rv av in<span class=\"__11 _617\"/>tressef<span class=\"__11 _617\"/>\u00f6retag och join<span class=\"__11 _617\"/>t ven<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>tures redo<span class=\"__11 _617\"/>visas inte som en s<span class=\"__11 _617\"/>eparat tillg\u00e5ng ut<span class=\"__11 _617\"/>an som \u201d<span class=\"__11 _625\"/>Ak<span class=\"__11 _617\"/>tier och andelar i intre<span class=\"__11 _617\"/>ssef\u00f6r<span class=\"__11 _617\"/>etag och joint v<span class=\"__11 _617\"/>entur<span class=\"__11 _617\"/>es\u201d<span class=\"__11 _625\"/>. Goodwill pr\u00f6vas \u00e5rligen f\u00f6r ev<span class=\"__11 _617\"/>entuell<span class=\"__11 _617\"/>t nedskrivningsbehov<span class=\"__11 _625\"/>, eller oftare om h\u00e4n<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>delser eller \u00e4ndrade f<span class=\"__11 _617\"/>\u00f6ruts\u00e4ttningar ty<span class=\"__11 _617\"/>der p\u00e5 att nedskrivnings<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>behov \ufb01nns. Goodwill redovisas till ansk<span class=\"__11 _617\"/><span class=\"__11 _624\">affningsv</span><span class=\"__11 _617\"/>\u00e4rde minskat med ackumulerade nedskrivningar<span class=\"__11 _625\"/>. Nedskrivning av goodwill kan inte \u00e5<span class=\"__11 _617\"/>terf\u00f6r<span class=\"__11 _617\"/>as i senare perioder<span class=\"__11 _625\"/>. Goodwill h\u00e4nf\u00f6rlig till in<span class=\"__11 _617\"/>tres<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>sef\u00f6r<span class=\"__11 _617\"/>etag och joint v<span class=\"__11 _617\"/>entur<span class=\"__11 _617\"/>es pr\u00f6v<span class=\"__11 _617\"/>as int<span class=\"__11 _617\"/>e separat f<span class=\"__11 _617\"/>\u00f6r nedskriv<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ningsbehov utan inkluder<span class=\"__11 _617\"/>as i det redovisade v<span class=\"__11 _617\"/>\u00e4rdet p\u00e5 intr<span class=\"__11 _617\"/>esse<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>f\u00f6r<span class=\"__11 _617\"/>etaget och joint v<span class=\"__11 _617\"/>enture-f<span class=\"__11 _617\"/>\u00f6retaget. Principerna f\u00f6r nedskriv<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ningspr\u00f6vning a<span class=\"__11 _617\"/>v in<span class=\"__11 _617\"/>tressef<span class=\"__11 _617\"/>\u00f6retag och join<span class=\"__11 _617\"/>t ven<span class=\"__11 _617\"/>tures beskrivs i not K9.3 \u201d<span class=\"__11 _625\"/>Ak<span class=\"__11 _617\"/>tier och andelar i intr<span class=\"__11 _617\"/>essef<span class=\"__11 _617\"/>\u00f6retag och join<span class=\"__11 _617\"/>t ven<span class=\"__11 _617\"/>tures\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>IT<span class=\"__11 _625\"/>-utvecklingsprojek<span class=\"__11 _617\"/>t/progr<span class=\"__11 _617\"/>amvar<span class=\"__11 _617\"/>or<span class=\"__11 _624\"> </span>Kostnader h\u00e4n<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>\u00f6rliga till underh\u00e5ll av pr<span class=\"__11 _617\"/>ogramv<span class=\"__11 _617\"/>aror kos<span class=\"__11 _617\"/>tnads-<span class=\"__11 _624\"> </span>f\u00f6rs l\u00f6pande. Utgifter dir<span class=\"__11 _617\"/>ekt h\u00e4n<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>\u00f6rbara till st<span class=\"__11 _617\"/>\u00f6rre inv<span class=\"__11 _617\"/>esteringar i utveckling a<span class=\"__11 _617\"/>v program<span class=\"__11 _617\"/>vara r<span class=\"__11 _617\"/>edovisas som imma<span class=\"__11 _617\"/>teriella till-<span class=\"__11 _624\"> </span>g\u00e5ngar om de f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tas generer<span class=\"__11 _617\"/>a fram<span class=\"__11 _617\"/>tida ekonomiska f<span class=\"__11 _617\"/>\u00f6rde-<span class=\"__11 _624\"> </span>lar<span class=\"__11 _617\"/>. Dessa ut<span class=\"__11 _617\"/>gifter omf<span class=\"__11 _617\"/>attar personalk<span class=\"__11 _617\"/>ostnader f<span class=\"__11 _617\"/>\u00f6r programut-<span class=\"__11 _624\"> </span>veckling och indirek<span class=\"__11 _617\"/>ta kos<span class=\"__11 _617\"/>tnader f\u00f6r a<span class=\"__11 _617\"/>tt f\u00e4r<span class=\"__11 _617\"/>digst\u00e4lla tillg\u00e5ngen f\u00f6r a<span class=\"__11 _617\"/>vsedd an<span class=\"__11 _617\"/>v\u00e4ndning. Progr<span class=\"__11 _617\"/>amkostnader om<span class=\"__11 _617\"/>fa<span class=\"__11 _617\"/>ttar ocks\u00e5 f<span class=\"__11 _617\"/>\u00f6r-<span class=\"__11 _624\"> </span>v\u00e4rvade progr<span class=\"__11 _617\"/>amlicenser som in<span class=\"__11 _617\"/>te \u00e4r h\u00e4nf<span class=\"__11 _617\"/>\u00f6rliga till funk<span class=\"__11 _617\"/>tionen hos en materiell tillg\u00e5ng.<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vskrivningen ber\u00e4knas linj\u00e4rt \u00f6v<span class=\"__11 _617\"/>er program<span class=\"__11 _617\"/>var<span class=\"__11 _617\"/>ans nyttjan-<span class=\"__11 _624\"> </span>deperiod, som vanligen \u00e4r 3 till 5 \u00e5r<span class=\"__11 _625\"/>, och i vissa fall f\u00f6r s<span class=\"__11 _617\"/>tra<span class=\"__11 _617\"/>te-<span class=\"__11 _624\"> </span>gisk infr<span class=\"__11 _617\"/>astruk<span class=\"__11 _617\"/>tur upp till maximalt 10 \u00e5r<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Kundrela<span class=\"__11 _617\"/>terade imma<span class=\"__11 _617\"/>teriella tillg\u00e5ngar<span class=\"__11 _624\"> </span>I samband med r\u00f6relsef<span class=\"__11 _617\"/>\u00f6rv\u00e4rv allokeras normalt s<span class=\"__11 _617\"/>ett en del av k\u00f6peskillingen till kundr<span class=\"__11 _617\"/>elater<span class=\"__11 _617\"/>ade immateriella tillg\u00e5ngar<span class=\"__11 _625\"/>, under f\u00f6ruts\u00e4<span class=\"__11 _617\"/>ttning att tillg\u00e5ngen \u00e4r iden<span class=\"__11 _617\"/>ti\ufb01erbar och under Nordeas kon<span class=\"__11 _617\"/>troll. En immateriell tillg\u00e5ng \u00e4r iden<span class=\"__11 _617\"/>ti\ufb01erbar om den uppst\u00e5r till f<span class=\"__11 _617\"/>\u00f6ljd a<span class=\"__11 _617\"/>v avt<span class=\"__11 _617\"/>alsm\u00e4ssiga eller lagliga r\u00e4ttighet<span class=\"__11 _617\"/>er<span class=\"__11 _617\"/>, eller om den kan separeras f<span class=\"__11 _617\"/>r\u00e5n f<span class=\"__11 _617\"/>\u00f6retaget och s\u00e4ljas, \u00f6<span class=\"__11 _617\"/>verf\u00f6r<span class=\"__11 _617\"/>as, licensieras, uthyr<span class=\"__11 _617\"/>as eller bytas. <span class=\"__11 _625\"/>Tillg\u00e5ngen skrivs av \u00f6ver n<span class=\"__11 _617\"/>ytt-<span class=\"__11 _624\"> </span>jandeperioden, som vanligen \u00e4r mer \u00e4n 10 \u00e5r<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Nedskrivning Goodwill och IT<span class=\"__11 _625\"/>-utvecklingsprojekt s<span class=\"__11 _617\"/>om \u00e4nnu inte t<span class=\"__11 _617\"/>agits i bruk skrivs inte a<span class=\"__11 _617\"/>v<span class=\"__11 _625\"/>, men pr\u00f6vas \u00e5rligen med a<span class=\"__11 _617\"/>vseende p\u00e5 ev<span class=\"__11 _617\"/>entuell<span class=\"__11 _617\"/>t nedskrivningsbehov<span class=\"__11 _625\"/>. Pr\u00f6vningen g\u00f6rs oftare om n\u00e5got ty<span class=\"__11 _617\"/>der p\u00e5 att ett nedskrivningsbehov f<span class=\"__11 _617\"/>\u00f6religger<span class=\"__11 _625\"/>. \u00c4<span class=\"__11 _625\"/>ven f\u00f6r immateriella tillg\u00e5ngar som tagits i bruk och skrivs a<span class=\"__11 _617\"/>v<span class=\"__11 _625\"/>, g\u00f6r<span class=\"__11 _626\"/>s en bed\u00f6mning med avseende p\u00e5 indik<span class=\"__11 _617\"/>ationer p\u00e5 nedskrivningsbehov<span class=\"__11 _625\"/>. Om s\u00e5dana indikationer \ufb01nns, pr\u00f6<span class=\"__11 _617\"/>vas nedskrivningsbehov<span class=\"__11 _617\"/>et f\u00f6r till<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>g\u00e5ngen. Nedskrivningskostnaden ber<span class=\"__11 _617\"/>\u00e4knas som skillnaden mellan redovisa<span class=\"__11 _617\"/>t v\u00e4rde och \u00e5<span class=\"__11 _617\"/>tervinningsv\u00e4rde. \u00c5tervinningsv\u00e4rdet \u00e4r det h\u00f6gre a<span class=\"__11 _617\"/>v verkligt v<span class=\"__11 _617\"/>\u00e4rde efter av<span class=\"__11 _617\"/>drag f<span class=\"__11 _617\"/>\u00f6r f<span class=\"__11 _617\"/>\u00f6rs\u00e4ljningskostnader och nyttjandev<span class=\"__11 _617\"/>\u00e4rdet f<span class=\"__11 _617\"/>\u00f6r till<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>g\u00e5ngen eller den kassagenererande enhet<span class=\"__11 _617\"/>en. Kassagenerer<span class=\"__11 _617\"/>an<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>de enhet de\ufb01nieras som den minst<span class=\"__11 _617\"/>a identi\ufb01erbar<span class=\"__11 _617\"/>a grupp av till<span class=\"__11 _617\"/><span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>g\u00e5ngar som ger upphov till kassafl\u00f6den s<span class=\"__11 _617\"/>om i allt v\u00e4sen<span class=\"__11 _617\"/>tligt \u00e4r oberoende a<span class=\"__11 _617\"/>v andra tillg\u00e5ngar<span class=\"__11 _625\"/>. F\u00f6r goodwill och IT<span class=\"__11 _625\"/>-utvecklings<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>projekt s<span class=\"__11 _617\"/>om \u00e4nnu inte t<span class=\"__11 _617\"/>agits i bruk, motsvaras de kassagener<span class=\"__11 _617\"/>e<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>rande enheterna a<span class=\"__11 _617\"/>v r\u00f6r<span class=\"__11 _617\"/>elsesegmen<span class=\"__11 _617\"/>ten. Nyttjandev\u00e4r<span class=\"__11 _617\"/>det \u00e4r nuv\u00e4rdet a<span class=\"__11 _617\"/>v de kassafl\u00f6den s<span class=\"__11 _617\"/>om tillg\u00e5ngen eller den kassage<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>nererande enheten f<span class=\"__11 _617\"/>\u00f6rv\u00e4n<span class=\"__11 _617\"/>tas ge upphov til<span class=\"__11 _624\"> </span>l. Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__11 _617\"/>ttningar<span class=\"__11 _624\"> </span>Pr\u00f6vning a<span class=\"__11 _617\"/>v nedskrivningsbehov f<span class=\"__11 _625\"/>\u00f6r goodwill och andra immat<span class=\"__11 _617\"/>eriella tillg\u00e5ngar<span class=\"__11 _624\"> </span>I samband med identi\ufb01eringen a<span class=\"__11 _617\"/>v kassagenerer<span class=\"__11 _617\"/>ande enheter och i vilken utstr<span class=\"__11 _617\"/>\u00e4ckning de kan l\u00e4ggas samman till grupper som pr\u00f6v<span class=\"__11 _617\"/>as tillsammans beh\u00f6ver bed\u00f6mningar g\u00f6r<span class=\"__11 _617\"/>as. Int<span class=\"__11 _617\"/>ernt utvecklade progr<span class=\"__11 _617\"/>amvar<span class=\"__11 _617\"/>or<span class=\"__11 _625\"/>, som \u00e4nnu inte har b\u00f6rjat skrivas a<span class=\"__11 _617\"/>v<span class=\"__11 _625\"/>, ing\u00e5r i pr\u00f6vningen a<span class=\"__11 _617\"/>v nedskrivningsbehov<span class=\"__11 _617\"/>et och allokeras till kassagenererande enhet<span class=\"__11 _617\"/>er<span class=\"__11 _625\"/>. Nordeas samlade goodwill uppgick <span class=\"__11 _624\">till 2 262 mn euro (1 975 mn euro</span><span class=\"__11 _617\"/>) vid \u00e5rets slut. V<span class=\"__11 _617\"/>\u00e4rdet p\u00e5 pr<span class=\"__11 _617\"/>o-<span class=\"__11 _624\"> </span>gramv<span class=\"__11 _617\"/>aror som \u00e4nnu in<span class=\"__11 _617\"/>te b\u00f6rjat skriv<span class=\"__11 _617\"/>as av uppgick till 41<span class=\"__11 _617\"/><span class=\"__11 _624\">4 mn </span>euro (<span class=\"__11 _617\"/>446 mn euro<span class=\"__11 _617\"/>) vid \u00e5rets slut.<span class=\"__11 _624\"> </span>Uppskattningen a<span class=\"__11 _617\"/>v fr<span class=\"__11 _617\"/>amtida kassafl<span class=\"__11 _617\"/>\u00f6den och ber\u00e4kningen a<span class=\"__11 _617\"/>v diskont<span class=\"__11 _617\"/>eringsr\u00e4n<span class=\"__11 _617\"/>tan f\u00f6r de<span class=\"__11 _617\"/>ssa kassafl\u00f6den \u00e4r f<span class=\"__11 _617\"/>\u00f6renade med os\u00e4<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>kerhet i uppskattningarna. Uppska<span class=\"__11 _617\"/>ttningen a<span class=\"__11 _617\"/>v fram<span class=\"__11 _617\"/>tida kassafl\u00f6<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>den p\u00e5v<span class=\"__11 _617\"/>erkas myck<span class=\"__11 _617\"/>et a<span class=\"__11 _617\"/>v kassafl\u00f6desprognoserna f<span class=\"__11 _617\"/>\u00f6r de n\u00e4rmas<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>te \u00e5ren (normalt 3\u20135 \u00e5r) och a<span class=\"__11 _617\"/>v den uppska<span class=\"__11 _617\"/>ttade tillv<span class=\"__11 _617\"/>\u00e4xttakt<span class=\"__11 _617\"/>en f\u00f6r sek<span class=\"__11 _617\"/>torn eft<span class=\"__11 _617\"/>er 3\u20135 \u00e5r<span class=\"__11 _625\"/>. Tillv<span class=\"__11 _617\"/>\u00e4xttak<span class=\"__11 _617\"/>ten baseras p\u00e5 his<span class=\"__11 _617\"/>toriska dat<span class=\"__11 _617\"/>a som uppdater<span class=\"__11 _617\"/>as f\u00f6r a<span class=\"__11 _617\"/>tt spegla den aktuella situa<span class=\"__11 _617\"/>tionen, vilket ger upphov till os\u00e4kerhet i uppska<span class=\"__11 _617\"/>ttningarna. \u00c4<span class=\"__11 _625\"/>ven vid uppskattning av l\u00e5ngsik<span class=\"__11 _617\"/>tig tillv<span class=\"__11 _617\"/>\u00e4xttak<span class=\"__11 _617\"/>t kr\u00e4<span class=\"__11 _617\"/>vs att kritiska bed\u00f6mningar g\u00f6rs.<span class=\"__11 _624\"> </span>Fr<span class=\"__11 _617\"/>amr\u00e4knade kassafl\u00f6den disk<span class=\"__11 _617\"/>onter<span class=\"__11 _617\"/>as med en r\u00e4n<span class=\"__11 _617\"/>ta baser<span class=\"__11 _617\"/>ad p\u00e5 den l\u00e5ngfristiga riskf<span class=\"__11 _617\"/>ria r\u00e4n<span class=\"__11 _617\"/>tan plus en riskpremie.<span class=\"__11 _624\"> </span>A<span class=\"__11 _625\"/>vskrivningstid f\u00f6r kapitaliserad pr<span class=\"__11 _617\"/>ogramv<span class=\"__11 _617\"/>ara<span class=\"__11 _624\"> </span>Intern<span class=\"__11 _617\"/>t utvecklade pr<span class=\"__11 _617\"/>ogramv<span class=\"__11 _617\"/>aror kapitaliser<span class=\"__11 _617\"/>as och skrivs a<span class=\"__11 _617\"/>v under program<span class=\"__11 _617\"/>varans n<span class=\"__11 _617\"/>yttjandeperiod. Eftersom IT<span class=\"__11 _625\"/>-milj\u00f6n f\u00f6r-<span class=\"__11 _624\"> </span>\u00e4ndras snabbt g\u00f6r ledningen bed\u00f6mningar f<span class=\"__11 _617\"/>\u00f6r att uppska<span class=\"__11 _617\"/>tta program<span class=\"__11 _617\"/>varans n<span class=\"__11 _617\"/>yttjandeperiod, vilket p\u00e5<span class=\"__11 _617\"/>verkar det \u00e5rliga avskrivningsbeloppet. H\u00f6gre energi- och r<span class=\"__11 _617\"/>\u00e5<span class=\"__11 _617\"/>varupriser och l\u00e4gre priva<span class=\"__11 _617\"/>tkonsum<span class=\"__11 _617\"/>tion<span class=\"__11 _624\"> </span>F\u00f6r in<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>ormation om kritiska bed\u00f6mningar som gjorts vid upp-<span class=\"__11 _624\"> </span>r\u00e4ttandet a<span class=\"__11 _625\"/>v denna \u00e5r<span class=\"__11 _626\"/>sredovisning, till f<span class=\"__11 _617\"/>\u00f6ljd av os\u00e4k<span class=\"__11 _617\"/>erhet kring hur h\u00f6gre energi- och r<span class=\"__11 _617\"/>\u00e5v<span class=\"__11 _617\"/>arupriser och l\u00e4gre priv<span class=\"__11 _617\"/>atkonsum<span class=\"__11 _617\"/>tion i olika sekt<span class=\"__11 _617\"/>orer p\u00e5 l\u00e5ng sik<span class=\"__11 _617\"/>t kan komma att p\u00e5<span class=\"__11 _617\"/>verk<span class=\"__11 _617\"/>a Nordeas redovisning, se no<span class=\"__11 _617\"/>t K1 \u201dRedo<span class=\"__11 _617\"/>visningsprinciper<span class=\"__11 _626\"/>\u201d<span class=\"__11 _624\"> </span><span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Pr\u00f6vning a<span class=\"__11 _617\"/>v nedskrivningsbehov<span class=\"__11 _624\"> </span>Nedskrivningspr\u00f6vningen genom<span class=\"__11 _617\"/>f\u00f6rs f<span class=\"__11 _617\"/>\u00f6r varje kassagener<span class=\"__11 _617\"/>eran<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>de enhet genom att j\u00e4mf<span class=\"__11 _617\"/>\u00f6ra det r<span class=\"__11 _617\"/>edovisade v<span class=\"__11 _617\"/>\u00e4rdet p\u00e5 nettotill<span class=\"__11 _617\"/><span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>g\u00e5ngarna, inklusive goodwill, med \u00e5tervinningsv\u00e4r<span class=\"__11 _617\"/>det. \u00c5tervin<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ningsv\u00e4rdet \u00e4r n<span class=\"__11 _617\"/>yttjandev\u00e4rdet och ber<span class=\"__11 _617\"/>\u00e4knas p\u00e5 basis a<span class=\"__11 _617\"/>v diskon<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>terade kassa<span class=\"__11 _617\"/>fl\u00f6den. D\u00e5 inves<span class=\"__11 _617\"/>teringarna \u00e4r a<span class=\"__11 _617\"/>v en s\u00e5dan l\u00e5ngsiktig karak<span class=\"__11 _617\"/>t\u00e4r har eviga kassafl\u00f6den an<span class=\"__11 _617\"/>v\u00e4n<span class=\"__11 _617\"/>ts vid ber\u00e4kningen. Kassafl\u00f6den f<span class=\"__11 _617\"/>\u00f6r de n\u00e4rmast<span class=\"__11 _617\"/>e tre \u00e5ren baser<span class=\"__11 _617\"/>as p\u00e5 \ufb01nansiella prognoser<span class=\"__11 _625\"/>. Prognoserna bygger p\u00e5 <span class=\"ws19_9\">Nordea</span>s makr<span class=\"__11 _617\"/>oekonomiska utsikter s<span class=\"__11 _617\"/>om inkluderar in<span class=\"__11 _617\"/>forma<span class=\"__11 _617\"/>tion om BNP-tillv<span class=\"__11 _617\"/>\u00e4xt, inflation och ref<span class=\"__11 _617\"/>erensr\u00e4n<span class=\"__11 _617\"/>tor f<span class=\"__11 _617\"/>\u00f6r relev<span class=\"__11 _617\"/>anta l\u00e4nder<span class=\"__11 _625\"/>. Baserat p\u00e5 dessa makr<span class=\"__11 _617\"/>oeko-<span class=\"__11 _624\"> </span>nomiska prognoser uppska<span class=\"__11 _617\"/><span class=\"__11 _624\">ttar aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5dena hur marginaler<span class=\"__11 _625\"/>, volymer<span class=\"__11 _625\"/>, f\u00f6rs\u00e4ljning och kostnader k<span class=\"__11 _617\"/>ommer att utvecklas under de kommande \u00e5ren. Kreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter ber\u00e4knas utif<span class=\"__11 _617\"/>r\u00e5n det l\u00e5ngsik<span class=\"__11 _617\"/>tiga genomsnittet f\u00f6r olik<span class=\"__11 _617\"/><span class=\"__11 _624\">a aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5den. Detta resul<span class=\"__11 _617\"/>terar i en re<span class=\"__11 _617\"/>sul-<span class=\"__11 _624\"> </span>tatr\u00e4kning f<span class=\"__11 _617\"/>\u00f6r v<span class=\"__11 _617\"/>arje \u00e5r<span class=\"__11 _617\"/>. Det es<span class=\"__11 _617\"/>timerade kassafl\u00f6det f<span class=\"__11 _617\"/>\u00f6r re<span class=\"__11 _617\"/>spektiv<span class=\"__11 _617\"/>e<span class=\"__11 _624\"> </span>\u00e5r \u00e4r det prognosticer<span class=\"__11 _617\"/>ade nettoresul<span class=\"__11 _617\"/>tatet i de<span class=\"__11 _617\"/>ssa resulta<span class=\"__11 _617\"/>tr\u00e4kning<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ar<span class=\"__11 _625\"/>, reducerat med det lagstadgade kapit<span class=\"__11 _617\"/>al som kr\u00e4<span class=\"__11 _617\"/>vs f<span class=\"__11 _617\"/>\u00f6r att verk<span class=\"__11 _617\"/><span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>samheten ska kunna v<span class=\"__11 _617\"/>\u00e4xa i enlighet med tillv\u00e4x<span class=\"__11 _617\"/>tantagandena. F<span class=\"__11 _617\"/>\u00f6r de kassagenererande enhet<span class=\"__11 _617\"/>er som har mer kapital \u00e4n vad k<span class=\"__11 _617\"/>oncer-<span class=\"__11 _624\"> </span>nens m\u00e5l f\u00f6r k\u00e4rnprim\u00e4rkapit<span class=\"__11 _617\"/>alrelation anger<span class=\"__11 _625\"/>, kommer \u00e4v<span class=\"__11 _617\"/>en utdelningar att inkluder<span class=\"__11 _617\"/>as i kassafl\u00f6dena under tre \u00e5r till dess a<span class=\"__11 _617\"/>tt k\u00e4rnprim\u00e4rkapitalrela<span class=\"__11 _617\"/>tionen uppg\u00e5r till koncernens m\u00e5ls\u00e4ttning. Prognoserna tar \u00e4<span class=\"__11 _617\"/>ven h\u00e4nsyn till de s<span class=\"__11 _617\"/>t\u00f6rre projek<span class=\"__11 _617\"/>t som <span class=\"ws7_10\">Nordea</span><span class=\"ls1_11\"> </span>initierat. Centr<span class=\"__11 _617\"/>ala kostnader har allok<span class=\"__11 _617\"/>erats till a<span class=\"__11 _617\"/><span class=\"__11 _624\">ff\u00e4rsomr</span><span class=\"__11 _617\"/>\u00e5dena f\u00f6r att s\u00e4kerst\u00e4lla a<span class=\"__11 _617\"/>tt kassafl\u00f6dena i de kassagener<span class=\"__11 _617\"/>erande enheterna \u00e4v<span class=\"__11 _617\"/>en inneh\u00e5ller alla indirek<span class=\"__11 _617\"/>ta kostnader<span class=\"__11 _625\"/>. Skattekos<span class=\"__11 _617\"/>tnader har ber\u00e4knats baser<span class=\"__11 _617\"/>at p\u00e5 schablonska<span class=\"__11 _617\"/>ttesats<span class=\"__11 _617\"/>er<span class=\"__11 _625\"/>. Kassafl\u00f6den f\u00f6r peri-<span class=\"__11 _624\"> </span>oden efter prognosperioden baser<span class=\"__11 _617\"/>as p\u00e5 uppskattningar a<span class=\"__11 _617\"/>v sek<span class=\"__11 _617\"/><span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>torbaserade till<span class=\"__11 _617\"/>v\u00e4xttal. <span class=\"__11 _625\"/>Tillv\u00e4xttakt<span class=\"__11 _617\"/>en bygger p\u00e5 his<span class=\"__11 _617\"/>toriska data, vilka uppdater<span class=\"__11 _617\"/>ats f<span class=\"__11 _617\"/>\u00f6r att spegla den ak<span class=\"__11 _617\"/>tuella situationen.<span class=\"__11 _624\"> </span>Fr<span class=\"__11 _617\"/>amr\u00e4knade kassafl\u00f6den disk<span class=\"__11 _617\"/>onter<span class=\"__11 _617\"/>as med en r\u00e4n<span class=\"__11 _617\"/>ta baser<span class=\"__11 _617\"/>ad p\u00e5 den l\u00e5ngfristiga riskf<span class=\"__11 _617\"/>ria r\u00e4n<span class=\"__11 _617\"/>tan plus en riskpremie. Diskon<span class=\"__11 _617\"/>te-<span class=\"__11 _624\"> </span>ringsr\u00e4n<span class=\"__11 _617\"/>tan som anv\u00e4nde<span class=\"__11 _617\"/>s 2022 var 9,0 proc<span class=\"__11 _617\"/>ent (6,8 procen<span class=\"__11 _617\"/>t) efter skatt, vilket motsv<span class=\"__11 _617\"/>arar en r\u00e4n<span class=\"__11 _617\"/>ta p\u00e5 11,<span class=\"__11 _617\"/><span class=\"__11 _624\">7 procen</span><span class=\"__11 _617\"/>t (8,8 procent) f\u00f6r<span class=\"__11 _617\"/>e skatt. Den ber\u00e4knade tillv<span class=\"__11 _617\"/>\u00e4xttak<span class=\"__11 _617\"/>ten 2,5 procen<span class=\"__11 _617\"/>t (1,6 procen<span class=\"__11 _617\"/>t). De kassagenererande enhet<span class=\"__11 _617\"/>erna t\u00e4cker alla nordiska v<span class=\"__11 _617\"/>alutor och Nordea<span class=\"ws3_10\"> diskon<span class=\"__11 _617\"/>terar f<span class=\"__11 _617\"/>ram<span class=\"__11 _617\"/>tida kassafl\u00f6den med en euro-denomi<span class=\"__11 _624\"> </span></span>-<span class=\"__11 _624\"> </span>nerad r\u00e4n<span class=\"__11 _617\"/>ta f<span class=\"__11 _617\"/>\u00f6r alla kassagenerer<span class=\"__11 _617\"/>ande enheter<span class=\"__11 _625\"/>.<span class=\"__11 _626\"/> De pr\u00f6vningar a<span class=\"__11 _617\"/>v nedskrivningsbehov<span class=\"__11 _617\"/>et som gjordes 2022 p\u00e5visade in<span class=\"__11 _617\"/>te n\u00e5go<span class=\"__11 _617\"/>t behov a<span class=\"__11 _617\"/>v en nedskrivning av goodwill. B\u00e5de en \u00f6kning av disk<span class=\"__11 _617\"/>onteringsr<span class=\"__11 _617\"/>\u00e4nt<span class=\"__11 _617\"/>an med 1 procen<span class=\"__11 _617\"/>tenhet och en minskning av den f<span class=\"__11 _617\"/>ram<span class=\"__11 _617\"/>tida tillv<span class=\"__11 _617\"/>\u00e4xttakt<span class=\"__11 _617\"/>en med 1 procen<span class=\"__11 _617\"/>t-<span class=\"__11 _624\"> </span>enheter \u00e4r rimliga t\u00e4nkbara \u00e4ndringar i vik<span class=\"__11 _617\"/>tiga an<span class=\"__11 _617\"/>taganden. En s\u00e5dan \u00e4ndring skulle in<span class=\"__11 _617\"/>te leda till n\u00e5gon nedskrivning.<span class=\"__11 _624\"> </span>Immateriella tillg\u00e5ngar<span class=\"__11 _624\"> </span>Kassagenererande enheter<span class=\"__11 _625\"/>, mn euro<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Goodwill1 </span>31 dec 2022<span class=\"__11 _624\"> </span>Internt utvecklad programv<span class=\"__11 _617\"/>ara <span class=\"__11 _e4_3\"/> 31 dec 2022<span class=\"__11 _624\"> </span>Summa <span class=\"__11 _e4_3\"/> 31 dec 2022<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Goodwill1 </span>31 dec 2021<span class=\"__11 _624\"> </span>Internt utvecklad programv<span class=\"__11 _617\"/>ara <span class=\"__11 _e4_3\"/> 31 dec 2021<span class=\"__11 _624\"> </span>Summa <span class=\"__11 _e4_3\"/> 31 dec 2021<span class=\"__11 _624\"> </span>Personal Banking <span class=\"__11 _619\"> </span>1 029<span class=\"__11 _e1_3\"> </span>564<span class=\"__11 _709\"> </span>1 593<span class=\"__11 _645\"> </span>1 053<span class=\"__11 _b7_4\"> </span>590<span class=\"__11 _645\"> </span>1 643<span class=\"__11 _624\"> </span>Business Banking<span class=\"__11 _e5_3\"> </span><span class=\"ls6_10 ws8_10\">7<span class=\"__11 _626\"/>24<span class=\"__11 _e1_3\"> </span></span>490<span class=\"__11 _b6_4\"> </span>1 214<span class=\"__11 _c2_4\"> </span><span class=\"ls0_11 ws0_11\">751<span class=\"__11 _631\"> </span></span>522<span class=\"__11 _710\"> </span>1 27<span class=\"__11 _626\"/>3<span class=\"__11 _624\"> </span>Large Corpora<span class=\"__11 _617\"/>tes &amp; Insitutions<span class=\"__11 _e6_3\"> </span>165<span class=\"__11 _e1_3\"> </span>308<span class=\"__11 _631\"> </span>473<span class=\"__11 _1b_7\"> </span><span class=\"ls0_11 ws0_11\">171<span class=\"__11 _c5_4\"> </span></span>336<span class=\"__11 _e7_3\"> </span>507<span class=\"__11 _624\"> </span>Asset &amp; W<span class=\"__11 _617\"/>ealth Management<span class=\"__11 _a1_3\"> </span>344<span class=\"__11 _e7_3\"> </span>2<span class=\"__11 _626\"/>37<span class=\"__11 _631\"> </span>581<span class=\"__11 _a6_4\"> </span>\u2013<span class=\"__11 _631\"> </span>195<span class=\"__11 _de_3\"> </span>195<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _e8_4\"> </span>2 262<span class=\"__11 _a5_4\"> </span>1 599<span class=\"__11 _a5_4\"> </span>3 861<span class=\"__11 _645\"> </span>1 975<span class=\"__11 _a5_4\"> </span>1 64<span class=\"__11 _626\"/>3<span class=\"__11 _a5_4\"> </span>3 618<span class=\"__11 _624\"> </span><span class=\"__11 _624\">\u00d6vriga immateriella tillg\u00e5ngar2</span><span class=\"__11 _643\"> </span>\u2013<span class=\"__11 _e9_4\"> </span>\u2013<span class=\"__11 _631\"> </span>183<span class=\"__11 _a6_4\"> </span>\u2013<span class=\"__11 _a6_4\"> </span>\u2013<span class=\"__11 _e7_3\"> </span>166<span class=\"__11 _624\"> </span>Summa immateriella tillg\u00e5ngar<span class=\"__11 _7d_4\"> </span>2 262<span class=\"__11 _a5_4\"> </span>1 599<span class=\"__11 _661\"> </span>4 044<span class=\"__11 _645\"> </span>1 975<span class=\"__11 _a5_4\"> </span>1 643<span class=\"__11 _a5_4\"> </span>3 784<span class=\"__11 _624\"> </span>1)  Exklusive goodwill i intresse<span class=\"__11 _617\"/>f\u00f6retag.<span class=\"__11 _624\"> </span>2)  Inklusive k\u00f6pta progr<span class=\"__11 _617\"/>amlicenser utanf<span class=\"__11 _617\"/>\u00f6r interna utv<span class=\"__11 _617\"/>ecklingsprojekt om 109 mn euro (130 mn eur<span class=\"__11 _617\"/>o)<span class=\"__11 _624\"> </span>.<span class=\"__11 _624\"> </span>F\u00f6r\u00e4ndringar a<span class=\"__11 _617\"/>v goodwill, mn euro<span class=\"__11 _624\"> </span>31 dec 2022<span class=\"__11 _669\"> </span>31 dec 2021<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Anskaffningsv\u00e4r</span><span class=\"__11 _617\"/>de vid \u00e5rets b\u00f6rjan<span class=\"__11 _c8_4\"> </span>2 116<span class=\"__11 _648\"> </span>2 07<span class=\"__11 _626\"/>9<span class=\"__11 _624\"> </span>Ink\u00f6p<span class=\"__11 _ec_3\"> </span>344<span class=\"__11 _1a_7\"> </span>\u2013<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Utrangeringar1</span><span class=\"__11 _ed_3\"> </span><span class=\"ls0_11 ws0_11\">-141<span class=\"__11 _1a_7\"> </span></span>\u2013<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Omr\u00e4kningsdiff</span><span class=\"__11 _617\"/>erenser<span class=\"__11 _ee_4\"> </span><span class=\"ls0_11 ws0_11\">-57<span class=\"__11 _710\"> </span></span>37<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Anskaffningsv\u00e4r</span><span class=\"__11 _617\"/>de vid \u00e5rets slut<span class=\"__11 _690\"> </span>2 262<span class=\"__11 _b3_3\"> </span>2 116<span class=\"__11 _624\"> </span>Ackumulerade nedskrivningar vid \u00e5r<span class=\"__11 _617\"/>ets b\u00f6rjan<span class=\"__11 _b5_4\"> </span><span class=\"ls0_11 ws0_11\">-141<span class=\"__11 _702\"> </span>-141<span class=\"__11 _624\"> </span></span><span class=\"__11 _624\">Utrangeringar1</span><span class=\"__11 _ef_3\"> </span><span class=\"ls0_11 ws0_11\">141<span class=\"__11 _1a_7\"> </span></span>\u2013<span class=\"__11 _624\"> </span>Ackumulerade nedskrivningar vid \u00e5r<span class=\"__11 _617\"/>ets slut<span class=\"__11 _f0_4\"> </span>\u2013<span class=\"__11 _692\"> </span><span class=\"ls0_11 ws0_11\">-141<span class=\"__11 _624\"> </span></span>Summa<span class=\"__11 _f1_3\"> </span>2 262<span class=\"__11 _656\"> </span>1 975<span class=\"__11 _624\"> </span>1) A<span class=\"__11 _617\"/>vser Ryssland, se no<span class=\"__11 _617\"/>t K2.4 Summa nettoresulta<span class=\"__11 _617\"/>t av poster till verkligt v\u00e4r<span class=\"__11 _617\"/>de.<span class=\"__11 _624\"> </span>F\u00f6r\u00e4ndringar a<span class=\"__11 _617\"/>v progr<span class=\"__11 _617\"/>amvara, mn eur<span class=\"__11 _617\"/>o<span class=\"__11 _624\"> </span>31 dec 2022<span class=\"__11 _669\"> </span>31 dec 2021<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Anskaffningsv\u00e4r</span><span class=\"__11 _617\"/>de vid \u00e5rets b\u00f6rjan<span class=\"__11 _673\"> </span>2 794<span class=\"__11 _648\"> </span>2 580<span class=\"__11 _624\"> </span>Ink\u00f6p<span class=\"__11 _f2_3\"> </span>356<span class=\"__11 _694\"> </span>331<span class=\"__11 _624\"> </span>F\u00f6rs\u00e4ljningar<span class=\"__11 _617\"/>/utrangeringar<span class=\"__11 _f3_3\"> </span>-69<span class=\"__11 _6c_3\"> </span>-103<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Omr\u00e4kningsdiff</span><span class=\"__11 _617\"/>erenser<span class=\"__11 _f4_3\"> </span>-98<span class=\"__11 _b5_4\"> </span><span class=\"ls0_11 ws0_11\">-14<span class=\"__11 _624\"> </span></span><span class=\"__11 _624\">Anskaffningsv\u00e4r</span><span class=\"__11 _617\"/>de vid \u00e5rets slut<span class=\"__11 _676\"> </span>2 983<span class=\"__11 _648\"> </span>2 794<span class=\"__11 _624\"> </span>Ackumulerade a<span class=\"__11 _617\"/>vskrivningar vid \u00e5rets b\u00f6rjan<span class=\"__11 _b6_4\"> </span>-955<span class=\"__11 _684\"> </span>-698<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vskrivningar enligt plan<span class=\"__11 _f5_3\"> </span>-322<span class=\"__11 _6a_3\"> </span>-307<span class=\"__11 _624\"> </span>Ackumulerade a<span class=\"__11 _617\"/>vskrivningar p\u00e5 tillg\u00e5ngar som s\u00e5lts/utrangera<span class=\"__11 _617\"/>ts<span class=\"__11 _3d_5\"> </span>26<span class=\"__11 _a5_4\"> </span><span class=\"ls7_10 ws9_10\">48<span class=\"__11 _624\"> </span></span><span class=\"__11 _624\">Omr\u00e4kningsdiff</span><span class=\"__11 _617\"/>erenser<span class=\"__11 _6b_3\"> </span>40<span class=\"__11 _e1_3\"> </span>2<span class=\"__11 _624\"> </span>Ackumulerade a<span class=\"__11 _617\"/>vskrivningar vid \u00e5rets sl<span class=\"__11 _617\"/>ut<span class=\"__11 _e_10\"> </span>-<span class=\"__11 _617\"/>1 211<span class=\"__11 _6a_3\"> </span>-955<span class=\"__11 _624\"> </span>Ackumulerade nedskrivningar vid \u00e5r<span class=\"__11 _617\"/>ets b\u00f6rjan<span class=\"__11 _694\"> </span>-196<span class=\"__11 _692\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _626\"/>14<span class=\"__11 _624\"> </span></span>Ackumulerade nedskrivningar p\u00e5 tillg\u00e5ngar som s\u00e5lts/utranger<span class=\"__11 _617\"/>ats <span class=\"__11 _680\"> </span><span class=\"ls7_10 ws9_10\">43<span class=\"__11 _709\"> </span></span>55<span class=\"__11 _624\"> </span>Nedskrivningar<span class=\"__11 _aa_3\"> </span><span class=\"ls6_10 ws8_10\">-26<span class=\"__11 _694\"> </span></span>-40<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Omr\u00e4kningsdiff</span><span class=\"__11 _617\"/>erenser<span class=\"__11 _f6_3\"> </span>6<span class=\"__11 _bc_3\"> </span>3<span class=\"__11 _624\"> </span>Ackumulerade nedskrivningar vid \u00e5r<span class=\"__11 _617\"/>ets slut<span class=\"__11 _b1_3\"> </span><span class=\"ls0_11 ws0_11\">-173<span class=\"__11 _6c_3\"> </span></span>-196<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _f1_3\"> </span>1 599<span class=\"__11 _648\"> </span>1 64<span class=\"__11 _626\"/>3<span class=\"__11 _624\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsAndGoodwillExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-668": {
   "value": "K5.1  Immateriella tillg\u00e5ngar Redovisningsprinciper Immateriella tillg\u00e5ngar \u00e4r identi\ufb01erbara, icke-monet\u00e4ra till- g\u00e5ngar som saknar fysisk beskaffenhet. Tillg\u00e5ngarna st\u00e5r under Nordeas kontroll, vilket inneb\u00e4r att Nordea har m\u00f6jlighet och r\u00e4tt att erh\u00e5lla de framtida ekonomiska f\u00f6rdelarna h\u00e4nf\u00f6r- liga till den underliggande tillg\u00e5ngen. Nordeas immateriella tillg\u00e5ngar utg\u00f6rs fr\u00e4mst av goodwill, IT-utvecklingsprojekt/pro- gramvaror och kundrelaterade immateriella tillg\u00e5ngar. IT-utvecklingsprojekt/programvaror Kostnader h\u00e4nf\u00f6rliga till underh\u00e5ll av programvaror kostnads- f\u00f6rs l\u00f6pande. Utgifter direkt h\u00e4nf\u00f6rbara till st\u00f6rre investeringar i utveckling av programvara redovisas som immateriella till- g\u00e5ngar om de f\u00f6rv\u00e4ntas generera framtida ekonomiska f\u00f6rde- lar. Dessa utgifter omfattar personalkostnader f\u00f6r programut- veckling och indirekta kostnader f\u00f6r att f\u00e4rdigst\u00e4lla tillg\u00e5ngen f\u00f6r avsedd anv\u00e4ndning. Programkostnader omfattar ocks\u00e5 f\u00f6r- v\u00e4rvade programlicenser som inte \u00e4r h\u00e4nf\u00f6rliga till funktionen hos en materiell tillg\u00e5ng. Avskrivningen ber\u00e4knas linj\u00e4rt \u00f6ver programvarans nyttjan- deperiod, som vanligen \u00e4r 3 till 5 \u00e5r, och i vissa fall f\u00f6r strate- gisk infrastruktur upp till maximalt 10 \u00e5r. Kundrelaterade immateriella tillg\u00e5ngar I samband med r\u00f6relsef\u00f6rv\u00e4rv allokeras normalt sett en del av k\u00f6peskillingen till kundrelaterade immateriella tillg\u00e5ngar, under f\u00f6ruts\u00e4ttning att tillg\u00e5ngen \u00e4r identi\ufb01erbar och under Nordeas kontroll. En immateriell tillg\u00e5ng \u00e4r identi\ufb01erbar om den uppst\u00e5r till f\u00f6ljd av avtalsm\u00e4ssiga eller lagliga r\u00e4ttigheter, eller om den kan separeras fr\u00e5n f\u00f6retaget och s\u00e4ljas, \u00f6verf\u00f6ras, licensieras, uthyras eller bytas. Tillg\u00e5ngen skrivs av \u00f6ver nytt- jandeperioden, som vanligen \u00e4r mer \u00e4n 10 \u00e5r. Nedskrivning Goodwill och IT-utvecklingsprojekt som \u00e4nnu inte tagits i bruk skrivs inte av, men pr\u00f6vas \u00e5rligen med avseende p\u00e5 eventuellt nedskrivningsbehov. Pr\u00f6vningen g\u00f6rs oftare om n\u00e5got tyder p\u00e5 att ett nedskrivningsbehov f\u00f6religger. \u00c4ven f\u00f6r immateriella tillg\u00e5ngar som tagits i bruk och skrivs av, g\u00f6rs en bed\u00f6mning med avseende p\u00e5 indikationer p\u00e5 nedskrivningsbehov. Om s\u00e5dana indikationer \ufb01nns, pr\u00f6vas nedskrivningsbehovet f\u00f6r till- g\u00e5ngen. Nedskrivningskostnaden ber\u00e4knas som skillnaden mellan redovisat v\u00e4rde och \u00e5tervinningsv\u00e4rde. \u00c5tervinningsv\u00e4rdet \u00e4r det h\u00f6gre av verkligt v\u00e4rde efter avdrag f\u00f6r f\u00f6rs\u00e4ljningskostnader och nyttjandev\u00e4rdet f\u00f6r till- g\u00e5ngen eller den kassagenererande enheten. Kassagenereran- de enhet de\ufb01nieras som den minsta identi\ufb01erbara grupp av till- g\u00e5ngar som ger upphov till kassafl\u00f6den som i allt v\u00e4sentligt \u00e4r oberoende av andra tillg\u00e5ngar. F\u00f6r goodwill och IT-utvecklings- projekt som \u00e4nnu inte tagits i bruk, motsvaras de kassagenere- rande enheterna av r\u00f6relsesegmenten. Nyttjandev\u00e4rdet \u00e4r nuv\u00e4rdet av de kassafl\u00f6den som tillg\u00e5ngen eller den kassage- nererande enheten f\u00f6rv\u00e4ntas ge upphov til l. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsOtherThanGoodwillExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-670": {
   "value": "K5.<span class=\"__11 _625\"/>1  Immateriella tillg\u00e5ngar<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>Immateriella tillg\u00e5ngar \u00e4r iden<span class=\"__11 _617\"/>ti\ufb01erbara, icke-monet<span class=\"__11 _617\"/>\u00e4ra till-<span class=\"__11 _624\"> </span><span class=\"__11 _624\">g\u00e5ngar som saknar fysisk beskaff</span><span class=\"__11 _617\"/>enhet. Tillg\u00e5ngarna s<span class=\"__11 _617\"/>t\u00e5r under Nordeas kon<span class=\"__11 _617\"/>troll, vilket inneb\u00e4r att Nor<span class=\"__11 _617\"/>dea har m\u00f6jlighet och r\u00e4tt a<span class=\"__11 _617\"/>tt erh\u00e5lla de fram<span class=\"__11 _617\"/>tida ekonomiska f<span class=\"__11 _617\"/>\u00f6rdelarna h\u00e4n<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>\u00f6r-<span class=\"__11 _624\"> </span>liga till den underliggande tillg\u00e5ngen. Nordeas immateriella tillg\u00e5ngar utg\u00f6rs fr\u00e4ms<span class=\"__11 _617\"/>t av goodwill, IT<span class=\"__11 _625\"/>-utvecklingsprojek<span class=\"__11 _617\"/>t/pro-<span class=\"__11 _624\"> </span>gramv<span class=\"__11 _617\"/>aror och kundr<span class=\"__11 _617\"/>elater<span class=\"__11 _617\"/>ade immateriella tillg\u00e5ngar<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Goodwill<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Goodwill utg\u00f6r skillnaden mellan anskaffningsv</span><span class=\"__11 _617\"/>\u00e4rdet och det verkliga v\u00e4r<span class=\"__11 _617\"/>det p\u00e5 <span class=\"ws7_10\">Nordea</span>s andel a<span class=\"__11 _617\"/>v identi\ufb01erbar<span class=\"__11 _617\"/>a nettotillg\u00e5ng<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ar i f\u00f6rv\u00e4rvade konc<span class=\"__11 _617\"/>ernf<span class=\"__11 _617\"/>\u00f6retag/in<span class=\"__11 _617\"/>tressef<span class=\"__11 _617\"/>\u00f6ret<span class=\"__11 _617\"/>ag/joint ven<span class=\"__11 _617\"/>tures vid f\u00f6rv\u00e4rvstidpunk<span class=\"__11 _617\"/>ten. Goodwill som uppkommit vid f<span class=\"__11 _617\"/>\u00f6rv\u00e4rv av koncern<span class=\"__11 _617\"/>f\u00f6r<span class=\"__11 _617\"/>etag redovisas som \u201dImma<span class=\"__11 _617\"/>teriella tillg\u00e5ngar<span class=\"__11 _626\"/>\u201d<span class=\"__11 _625\"/>. Good<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>will som uppkommit vid f<span class=\"__11 _617\"/>\u00f6rv\u00e4rv av in<span class=\"__11 _617\"/>tressef<span class=\"__11 _617\"/>\u00f6retag och join<span class=\"__11 _617\"/>t ven<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>tures redo<span class=\"__11 _617\"/>visas inte som en s<span class=\"__11 _617\"/>eparat tillg\u00e5ng ut<span class=\"__11 _617\"/>an som \u201d<span class=\"__11 _625\"/>Ak<span class=\"__11 _617\"/>tier och andelar i intre<span class=\"__11 _617\"/>ssef\u00f6r<span class=\"__11 _617\"/>etag och joint v<span class=\"__11 _617\"/>entur<span class=\"__11 _617\"/>es\u201d<span class=\"__11 _625\"/>. Goodwill pr\u00f6vas \u00e5rligen f\u00f6r ev<span class=\"__11 _617\"/>entuell<span class=\"__11 _617\"/>t nedskrivningsbehov<span class=\"__11 _625\"/>, eller oftare om h\u00e4n<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>delser eller \u00e4ndrade f<span class=\"__11 _617\"/>\u00f6ruts\u00e4ttningar ty<span class=\"__11 _617\"/>der p\u00e5 att nedskrivnings<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>behov \ufb01nns. Goodwill redovisas till ansk<span class=\"__11 _617\"/><span class=\"__11 _624\">affningsv</span><span class=\"__11 _617\"/>\u00e4rde minskat med ackumulerade nedskrivningar<span class=\"__11 _625\"/>. Nedskrivning av goodwill kan inte \u00e5<span class=\"__11 _617\"/>terf\u00f6r<span class=\"__11 _617\"/>as i senare perioder<span class=\"__11 _625\"/>. Goodwill h\u00e4nf\u00f6rlig till in<span class=\"__11 _617\"/>tres<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>sef\u00f6r<span class=\"__11 _617\"/>etag och joint v<span class=\"__11 _617\"/>entur<span class=\"__11 _617\"/>es pr\u00f6v<span class=\"__11 _617\"/>as int<span class=\"__11 _617\"/>e separat f<span class=\"__11 _617\"/>\u00f6r nedskriv<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ningsbehov utan inkluder<span class=\"__11 _617\"/>as i det redovisade v<span class=\"__11 _617\"/>\u00e4rdet p\u00e5 intr<span class=\"__11 _617\"/>esse<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>f\u00f6r<span class=\"__11 _617\"/>etaget och joint v<span class=\"__11 _617\"/>enture-f<span class=\"__11 _617\"/>\u00f6retaget. Principerna f\u00f6r nedskriv<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ningspr\u00f6vning a<span class=\"__11 _617\"/>v in<span class=\"__11 _617\"/>tressef<span class=\"__11 _617\"/>\u00f6retag och join<span class=\"__11 _617\"/>t ven<span class=\"__11 _617\"/>tures beskrivs i not K9.3 \u201d<span class=\"__11 _625\"/>Ak<span class=\"__11 _617\"/>tier och andelar i intr<span class=\"__11 _617\"/>essef<span class=\"__11 _617\"/>\u00f6retag och join<span class=\"__11 _617\"/>t ven<span class=\"__11 _617\"/>tures\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>IT<span class=\"__11 _625\"/>-utvecklingsprojek<span class=\"__11 _617\"/>t/progr<span class=\"__11 _617\"/>amvar<span class=\"__11 _617\"/>or<span class=\"__11 _624\"> </span>Kostnader h\u00e4n<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>\u00f6rliga till underh\u00e5ll av pr<span class=\"__11 _617\"/>ogramv<span class=\"__11 _617\"/>aror kos<span class=\"__11 _617\"/>tnads-<span class=\"__11 _624\"> </span>f\u00f6rs l\u00f6pande. Utgifter dir<span class=\"__11 _617\"/>ekt h\u00e4n<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>\u00f6rbara till st<span class=\"__11 _617\"/>\u00f6rre inv<span class=\"__11 _617\"/>esteringar i utveckling a<span class=\"__11 _617\"/>v program<span class=\"__11 _617\"/>vara r<span class=\"__11 _617\"/>edovisas som imma<span class=\"__11 _617\"/>teriella till-<span class=\"__11 _624\"> </span>g\u00e5ngar om de f\u00f6rv\u00e4n<span class=\"__11 _617\"/>tas generer<span class=\"__11 _617\"/>a fram<span class=\"__11 _617\"/>tida ekonomiska f<span class=\"__11 _617\"/>\u00f6rde-<span class=\"__11 _624\"> </span>lar<span class=\"__11 _617\"/>. Dessa ut<span class=\"__11 _617\"/>gifter omf<span class=\"__11 _617\"/>attar personalk<span class=\"__11 _617\"/>ostnader f<span class=\"__11 _617\"/>\u00f6r programut-<span class=\"__11 _624\"> </span>veckling och indirek<span class=\"__11 _617\"/>ta kos<span class=\"__11 _617\"/>tnader f\u00f6r a<span class=\"__11 _617\"/>tt f\u00e4r<span class=\"__11 _617\"/>digst\u00e4lla tillg\u00e5ngen f\u00f6r a<span class=\"__11 _617\"/>vsedd an<span class=\"__11 _617\"/>v\u00e4ndning. Progr<span class=\"__11 _617\"/>amkostnader om<span class=\"__11 _617\"/>fa<span class=\"__11 _617\"/>ttar ocks\u00e5 f<span class=\"__11 _617\"/>\u00f6r-<span class=\"__11 _624\"> </span>v\u00e4rvade progr<span class=\"__11 _617\"/>amlicenser som in<span class=\"__11 _617\"/>te \u00e4r h\u00e4nf<span class=\"__11 _617\"/>\u00f6rliga till funk<span class=\"__11 _617\"/>tionen hos en materiell tillg\u00e5ng.<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vskrivningen ber\u00e4knas linj\u00e4rt \u00f6v<span class=\"__11 _617\"/>er program<span class=\"__11 _617\"/>var<span class=\"__11 _617\"/>ans nyttjan-<span class=\"__11 _624\"> </span>deperiod, som vanligen \u00e4r 3 till 5 \u00e5r<span class=\"__11 _625\"/>, och i vissa fall f\u00f6r s<span class=\"__11 _617\"/>tra<span class=\"__11 _617\"/>te-<span class=\"__11 _624\"> </span>gisk infr<span class=\"__11 _617\"/>astruk<span class=\"__11 _617\"/>tur upp till maximalt 10 \u00e5r<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Kundrela<span class=\"__11 _617\"/>terade imma<span class=\"__11 _617\"/>teriella tillg\u00e5ngar<span class=\"__11 _624\"> </span>I samband med r\u00f6relsef<span class=\"__11 _617\"/>\u00f6rv\u00e4rv allokeras normalt s<span class=\"__11 _617\"/>ett en del av k\u00f6peskillingen till kundr<span class=\"__11 _617\"/>elater<span class=\"__11 _617\"/>ade immateriella tillg\u00e5ngar<span class=\"__11 _625\"/>, under f\u00f6ruts\u00e4<span class=\"__11 _617\"/>ttning att tillg\u00e5ngen \u00e4r iden<span class=\"__11 _617\"/>ti\ufb01erbar och under Nordeas kon<span class=\"__11 _617\"/>troll. En immateriell tillg\u00e5ng \u00e4r iden<span class=\"__11 _617\"/>ti\ufb01erbar om den uppst\u00e5r till f<span class=\"__11 _617\"/>\u00f6ljd a<span class=\"__11 _617\"/>v avt<span class=\"__11 _617\"/>alsm\u00e4ssiga eller lagliga r\u00e4ttighet<span class=\"__11 _617\"/>er<span class=\"__11 _617\"/>, eller om den kan separeras f<span class=\"__11 _617\"/>r\u00e5n f<span class=\"__11 _617\"/>\u00f6retaget och s\u00e4ljas, \u00f6<span class=\"__11 _617\"/>verf\u00f6r<span class=\"__11 _617\"/>as, licensieras, uthyr<span class=\"__11 _617\"/>as eller bytas. <span class=\"__11 _625\"/>Tillg\u00e5ngen skrivs av \u00f6ver n<span class=\"__11 _617\"/>ytt-<span class=\"__11 _624\"> </span>jandeperioden, som vanligen \u00e4r mer \u00e4n 10 \u00e5r<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Nedskrivning Goodwill och IT<span class=\"__11 _625\"/>-utvecklingsprojekt s<span class=\"__11 _617\"/>om \u00e4nnu inte t<span class=\"__11 _617\"/>agits i bruk skrivs inte a<span class=\"__11 _617\"/>v<span class=\"__11 _625\"/>, men pr\u00f6vas \u00e5rligen med a<span class=\"__11 _617\"/>vseende p\u00e5 ev<span class=\"__11 _617\"/>entuell<span class=\"__11 _617\"/>t nedskrivningsbehov<span class=\"__11 _625\"/>. Pr\u00f6vningen g\u00f6rs oftare om n\u00e5got ty<span class=\"__11 _617\"/>der p\u00e5 att ett nedskrivningsbehov f<span class=\"__11 _617\"/>\u00f6religger<span class=\"__11 _625\"/>. \u00c4<span class=\"__11 _625\"/>ven f\u00f6r immateriella tillg\u00e5ngar som tagits i bruk och skrivs a<span class=\"__11 _617\"/>v<span class=\"__11 _625\"/>, g\u00f6r<span class=\"__11 _626\"/>s en bed\u00f6mning med avseende p\u00e5 indik<span class=\"__11 _617\"/>ationer p\u00e5 nedskrivningsbehov<span class=\"__11 _625\"/>. Om s\u00e5dana indikationer \ufb01nns, pr\u00f6<span class=\"__11 _617\"/>vas nedskrivningsbehov<span class=\"__11 _617\"/>et f\u00f6r till<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>g\u00e5ngen. Nedskrivningskostnaden ber<span class=\"__11 _617\"/>\u00e4knas som skillnaden mellan redovisa<span class=\"__11 _617\"/>t v\u00e4rde och \u00e5<span class=\"__11 _617\"/>tervinningsv\u00e4rde. \u00c5tervinningsv\u00e4rdet \u00e4r det h\u00f6gre a<span class=\"__11 _617\"/>v verkligt v<span class=\"__11 _617\"/>\u00e4rde efter av<span class=\"__11 _617\"/>drag f<span class=\"__11 _617\"/>\u00f6r f<span class=\"__11 _617\"/>\u00f6rs\u00e4ljningskostnader och nyttjandev<span class=\"__11 _617\"/>\u00e4rdet f<span class=\"__11 _617\"/>\u00f6r till<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>g\u00e5ngen eller den kassagenererande enhet<span class=\"__11 _617\"/>en. Kassagenerer<span class=\"__11 _617\"/>an<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>de enhet de\ufb01nieras som den minst<span class=\"__11 _617\"/>a identi\ufb01erbar<span class=\"__11 _617\"/>a grupp av till<span class=\"__11 _617\"/><span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>g\u00e5ngar som ger upphov till kassafl\u00f6den s<span class=\"__11 _617\"/>om i allt v\u00e4sen<span class=\"__11 _617\"/>tligt \u00e4r oberoende a<span class=\"__11 _617\"/>v andra tillg\u00e5ngar<span class=\"__11 _625\"/>. F\u00f6r goodwill och IT<span class=\"__11 _625\"/>-utvecklings<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>projekt s<span class=\"__11 _617\"/>om \u00e4nnu inte t<span class=\"__11 _617\"/>agits i bruk, motsvaras de kassagener<span class=\"__11 _617\"/>e<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>rande enheterna a<span class=\"__11 _617\"/>v r\u00f6r<span class=\"__11 _617\"/>elsesegmen<span class=\"__11 _617\"/>ten. Nyttjandev\u00e4r<span class=\"__11 _617\"/>det \u00e4r nuv\u00e4rdet a<span class=\"__11 _617\"/>v de kassafl\u00f6den s<span class=\"__11 _617\"/>om tillg\u00e5ngen eller den kassage<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>nererande enheten f<span class=\"__11 _617\"/>\u00f6rv\u00e4n<span class=\"__11 _617\"/>tas ge upphov til<span class=\"__11 _624\"> </span>l. Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__11 _617\"/>ttningar<span class=\"__11 _624\"> </span>Pr\u00f6vning a<span class=\"__11 _617\"/>v nedskrivningsbehov f<span class=\"__11 _625\"/>\u00f6r goodwill och andra immat<span class=\"__11 _617\"/>eriella tillg\u00e5ngar<span class=\"__11 _624\"> </span>I samband med identi\ufb01eringen a<span class=\"__11 _617\"/>v kassagenerer<span class=\"__11 _617\"/>ande enheter och i vilken utstr<span class=\"__11 _617\"/>\u00e4ckning de kan l\u00e4ggas samman till grupper som pr\u00f6v<span class=\"__11 _617\"/>as tillsammans beh\u00f6ver bed\u00f6mningar g\u00f6r<span class=\"__11 _617\"/>as. Int<span class=\"__11 _617\"/>ernt utvecklade progr<span class=\"__11 _617\"/>amvar<span class=\"__11 _617\"/>or<span class=\"__11 _625\"/>, som \u00e4nnu inte har b\u00f6rjat skrivas a<span class=\"__11 _617\"/>v<span class=\"__11 _625\"/>, ing\u00e5r i pr\u00f6vningen a<span class=\"__11 _617\"/>v nedskrivningsbehov<span class=\"__11 _617\"/>et och allokeras till kassagenererande enhet<span class=\"__11 _617\"/>er<span class=\"__11 _625\"/>. Nordeas samlade goodwill uppgick <span class=\"__11 _624\">till 2 262 mn euro (1 975 mn euro</span><span class=\"__11 _617\"/>) vid \u00e5rets slut. V<span class=\"__11 _617\"/>\u00e4rdet p\u00e5 pr<span class=\"__11 _617\"/>o-<span class=\"__11 _624\"> </span>gramv<span class=\"__11 _617\"/>aror som \u00e4nnu in<span class=\"__11 _617\"/>te b\u00f6rjat skriv<span class=\"__11 _617\"/>as av uppgick till 41<span class=\"__11 _617\"/><span class=\"__11 _624\">4 mn </span>euro (<span class=\"__11 _617\"/>446 mn euro<span class=\"__11 _617\"/>) vid \u00e5rets slut.<span class=\"__11 _624\"> </span>Uppskattningen a<span class=\"__11 _617\"/>v fr<span class=\"__11 _617\"/>amtida kassafl<span class=\"__11 _617\"/>\u00f6den och ber\u00e4kningen a<span class=\"__11 _617\"/>v diskont<span class=\"__11 _617\"/>eringsr\u00e4n<span class=\"__11 _617\"/>tan f\u00f6r de<span class=\"__11 _617\"/>ssa kassafl\u00f6den \u00e4r f<span class=\"__11 _617\"/>\u00f6renade med os\u00e4<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>kerhet i uppskattningarna. Uppska<span class=\"__11 _617\"/>ttningen a<span class=\"__11 _617\"/>v fram<span class=\"__11 _617\"/>tida kassafl\u00f6<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>den p\u00e5v<span class=\"__11 _617\"/>erkas myck<span class=\"__11 _617\"/>et a<span class=\"__11 _617\"/>v kassafl\u00f6desprognoserna f<span class=\"__11 _617\"/>\u00f6r de n\u00e4rmas<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>te \u00e5ren (normalt 3\u20135 \u00e5r) och a<span class=\"__11 _617\"/>v den uppska<span class=\"__11 _617\"/>ttade tillv<span class=\"__11 _617\"/>\u00e4xttakt<span class=\"__11 _617\"/>en f\u00f6r sek<span class=\"__11 _617\"/>torn eft<span class=\"__11 _617\"/>er 3\u20135 \u00e5r<span class=\"__11 _625\"/>. Tillv<span class=\"__11 _617\"/>\u00e4xttak<span class=\"__11 _617\"/>ten baseras p\u00e5 his<span class=\"__11 _617\"/>toriska dat<span class=\"__11 _617\"/>a som uppdater<span class=\"__11 _617\"/>as f\u00f6r a<span class=\"__11 _617\"/>tt spegla den aktuella situa<span class=\"__11 _617\"/>tionen, vilket ger upphov till os\u00e4kerhet i uppska<span class=\"__11 _617\"/>ttningarna. \u00c4<span class=\"__11 _625\"/>ven vid uppskattning av l\u00e5ngsik<span class=\"__11 _617\"/>tig tillv<span class=\"__11 _617\"/>\u00e4xttak<span class=\"__11 _617\"/>t kr\u00e4<span class=\"__11 _617\"/>vs att kritiska bed\u00f6mningar g\u00f6rs.<span class=\"__11 _624\"> </span>Fr<span class=\"__11 _617\"/>amr\u00e4knade kassafl\u00f6den disk<span class=\"__11 _617\"/>onter<span class=\"__11 _617\"/>as med en r\u00e4n<span class=\"__11 _617\"/>ta baser<span class=\"__11 _617\"/>ad p\u00e5 den l\u00e5ngfristiga riskf<span class=\"__11 _617\"/>ria r\u00e4n<span class=\"__11 _617\"/>tan plus en riskpremie.<span class=\"__11 _624\"> </span>A<span class=\"__11 _625\"/>vskrivningstid f\u00f6r kapitaliserad pr<span class=\"__11 _617\"/>ogramv<span class=\"__11 _617\"/>ara<span class=\"__11 _624\"> </span>Intern<span class=\"__11 _617\"/>t utvecklade pr<span class=\"__11 _617\"/>ogramv<span class=\"__11 _617\"/>aror kapitaliser<span class=\"__11 _617\"/>as och skrivs a<span class=\"__11 _617\"/>v under program<span class=\"__11 _617\"/>varans n<span class=\"__11 _617\"/>yttjandeperiod. Eftersom IT<span class=\"__11 _625\"/>-milj\u00f6n f\u00f6r-<span class=\"__11 _624\"> </span>\u00e4ndras snabbt g\u00f6r ledningen bed\u00f6mningar f<span class=\"__11 _617\"/>\u00f6r att uppska<span class=\"__11 _617\"/>tta program<span class=\"__11 _617\"/>varans n<span class=\"__11 _617\"/>yttjandeperiod, vilket p\u00e5<span class=\"__11 _617\"/>verkar det \u00e5rliga avskrivningsbeloppet. H\u00f6gre energi- och r<span class=\"__11 _617\"/>\u00e5<span class=\"__11 _617\"/>varupriser och l\u00e4gre priva<span class=\"__11 _617\"/>tkonsum<span class=\"__11 _617\"/>tion<span class=\"__11 _624\"> </span>F\u00f6r in<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>ormation om kritiska bed\u00f6mningar som gjorts vid upp-<span class=\"__11 _624\"> </span>r\u00e4ttandet a<span class=\"__11 _625\"/>v denna \u00e5r<span class=\"__11 _626\"/>sredovisning, till f<span class=\"__11 _617\"/>\u00f6ljd av os\u00e4k<span class=\"__11 _617\"/>erhet kring hur h\u00f6gre energi- och r<span class=\"__11 _617\"/>\u00e5v<span class=\"__11 _617\"/>arupriser och l\u00e4gre priv<span class=\"__11 _617\"/>atkonsum<span class=\"__11 _617\"/>tion i olika sekt<span class=\"__11 _617\"/>orer p\u00e5 l\u00e5ng sik<span class=\"__11 _617\"/>t kan komma att p\u00e5<span class=\"__11 _617\"/>verk<span class=\"__11 _617\"/>a Nordeas redovisning, se no<span class=\"__11 _617\"/>t K1 \u201dRedo<span class=\"__11 _617\"/>visningsprinciper<span class=\"__11 _626\"/>\u201d<span class=\"__11 _624\"> </span><span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Pr\u00f6vning a<span class=\"__11 _617\"/>v nedskrivningsbehov<span class=\"__11 _624\"> </span>Nedskrivningspr\u00f6vningen genom<span class=\"__11 _617\"/>f\u00f6rs f<span class=\"__11 _617\"/>\u00f6r varje kassagener<span class=\"__11 _617\"/>eran<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>de enhet genom att j\u00e4mf<span class=\"__11 _617\"/>\u00f6ra det r<span class=\"__11 _617\"/>edovisade v<span class=\"__11 _617\"/>\u00e4rdet p\u00e5 nettotill<span class=\"__11 _617\"/><span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>g\u00e5ngarna, inklusive goodwill, med \u00e5tervinningsv\u00e4r<span class=\"__11 _617\"/>det. \u00c5tervin<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ningsv\u00e4rdet \u00e4r n<span class=\"__11 _617\"/>yttjandev\u00e4rdet och ber<span class=\"__11 _617\"/>\u00e4knas p\u00e5 basis a<span class=\"__11 _617\"/>v diskon<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>terade kassa<span class=\"__11 _617\"/>fl\u00f6den. D\u00e5 inves<span class=\"__11 _617\"/>teringarna \u00e4r a<span class=\"__11 _617\"/>v en s\u00e5dan l\u00e5ngsiktig karak<span class=\"__11 _617\"/>t\u00e4r har eviga kassafl\u00f6den an<span class=\"__11 _617\"/>v\u00e4n<span class=\"__11 _617\"/>ts vid ber\u00e4kningen. Kassafl\u00f6den f<span class=\"__11 _617\"/>\u00f6r de n\u00e4rmast<span class=\"__11 _617\"/>e tre \u00e5ren baser<span class=\"__11 _617\"/>as p\u00e5 \ufb01nansiella prognoser<span class=\"__11 _625\"/>. Prognoserna bygger p\u00e5 <span class=\"ws19_9\">Nordea</span>s makr<span class=\"__11 _617\"/>oekonomiska utsikter s<span class=\"__11 _617\"/>om inkluderar in<span class=\"__11 _617\"/>forma<span class=\"__11 _617\"/>tion om BNP-tillv<span class=\"__11 _617\"/>\u00e4xt, inflation och ref<span class=\"__11 _617\"/>erensr\u00e4n<span class=\"__11 _617\"/>tor f<span class=\"__11 _617\"/>\u00f6r relev<span class=\"__11 _617\"/>anta l\u00e4nder<span class=\"__11 _625\"/>. Baserat p\u00e5 dessa makr<span class=\"__11 _617\"/>oeko-<span class=\"__11 _624\"> </span>nomiska prognoser uppska<span class=\"__11 _617\"/><span class=\"__11 _624\">ttar aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5dena hur marginaler<span class=\"__11 _625\"/>, volymer<span class=\"__11 _625\"/>, f\u00f6rs\u00e4ljning och kostnader k<span class=\"__11 _617\"/>ommer att utvecklas under de kommande \u00e5ren. Kreditf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter ber\u00e4knas utif<span class=\"__11 _617\"/>r\u00e5n det l\u00e5ngsik<span class=\"__11 _617\"/>tiga genomsnittet f\u00f6r olik<span class=\"__11 _617\"/><span class=\"__11 _624\">a aff</span><span class=\"__11 _617\"/>\u00e4rsomr\u00e5den. Detta resul<span class=\"__11 _617\"/>terar i en re<span class=\"__11 _617\"/>sul-<span class=\"__11 _624\"> </span>tatr\u00e4kning f<span class=\"__11 _617\"/>\u00f6r v<span class=\"__11 _617\"/>arje \u00e5r<span class=\"__11 _617\"/>. Det es<span class=\"__11 _617\"/>timerade kassafl\u00f6det f<span class=\"__11 _617\"/>\u00f6r re<span class=\"__11 _617\"/>spektiv<span class=\"__11 _617\"/>e<span class=\"__11 _624\"> </span>\u00e5r \u00e4r det prognosticer<span class=\"__11 _617\"/>ade nettoresul<span class=\"__11 _617\"/>tatet i de<span class=\"__11 _617\"/>ssa resulta<span class=\"__11 _617\"/>tr\u00e4kning<span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>ar<span class=\"__11 _625\"/>, reducerat med det lagstadgade kapit<span class=\"__11 _617\"/>al som kr\u00e4<span class=\"__11 _617\"/>vs f<span class=\"__11 _617\"/>\u00f6r att verk<span class=\"__11 _617\"/><span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>samheten ska kunna v<span class=\"__11 _617\"/>\u00e4xa i enlighet med tillv\u00e4x<span class=\"__11 _617\"/>tantagandena. F<span class=\"__11 _617\"/>\u00f6r de kassagenererande enhet<span class=\"__11 _617\"/>er som har mer kapital \u00e4n vad k<span class=\"__11 _617\"/>oncer-<span class=\"__11 _624\"> </span>nens m\u00e5l f\u00f6r k\u00e4rnprim\u00e4rkapit<span class=\"__11 _617\"/>alrelation anger<span class=\"__11 _625\"/>, kommer \u00e4v<span class=\"__11 _617\"/>en utdelningar att inkluder<span class=\"__11 _617\"/>as i kassafl\u00f6dena under tre \u00e5r till dess a<span class=\"__11 _617\"/>tt k\u00e4rnprim\u00e4rkapitalrela<span class=\"__11 _617\"/>tionen uppg\u00e5r till koncernens m\u00e5ls\u00e4ttning. Prognoserna tar \u00e4<span class=\"__11 _617\"/>ven h\u00e4nsyn till de s<span class=\"__11 _617\"/>t\u00f6rre projek<span class=\"__11 _617\"/>t som <span class=\"ws7_10\">Nordea</span><span class=\"ls1_11\"> </span>initierat. Centr<span class=\"__11 _617\"/>ala kostnader har allok<span class=\"__11 _617\"/>erats till a<span class=\"__11 _617\"/><span class=\"__11 _624\">ff\u00e4rsomr</span><span class=\"__11 _617\"/>\u00e5dena f\u00f6r att s\u00e4kerst\u00e4lla a<span class=\"__11 _617\"/>tt kassafl\u00f6dena i de kassagener<span class=\"__11 _617\"/>erande enheterna \u00e4v<span class=\"__11 _617\"/>en inneh\u00e5ller alla indirek<span class=\"__11 _617\"/>ta kostnader<span class=\"__11 _625\"/>. Skattekos<span class=\"__11 _617\"/>tnader har ber\u00e4knats baser<span class=\"__11 _617\"/>at p\u00e5 schablonska<span class=\"__11 _617\"/>ttesats<span class=\"__11 _617\"/>er<span class=\"__11 _625\"/>. Kassafl\u00f6den f\u00f6r peri-<span class=\"__11 _624\"> </span>oden efter prognosperioden baser<span class=\"__11 _617\"/>as p\u00e5 uppskattningar a<span class=\"__11 _617\"/>v sek<span class=\"__11 _617\"/><span class=\"ls1_11\">-<span class=\"__11 _624\"> </span></span>torbaserade till<span class=\"__11 _617\"/>v\u00e4xttal. <span class=\"__11 _625\"/>Tillv\u00e4xttakt<span class=\"__11 _617\"/>en bygger p\u00e5 his<span class=\"__11 _617\"/>toriska data, vilka uppdater<span class=\"__11 _617\"/>ats f<span class=\"__11 _617\"/>\u00f6r att spegla den ak<span class=\"__11 _617\"/>tuella situationen.<span class=\"__11 _624\"> </span>Fr<span class=\"__11 _617\"/>amr\u00e4knade kassafl\u00f6den disk<span class=\"__11 _617\"/>onter<span class=\"__11 _617\"/>as med en r\u00e4n<span class=\"__11 _617\"/>ta baser<span class=\"__11 _617\"/>ad p\u00e5 den l\u00e5ngfristiga riskf<span class=\"__11 _617\"/>ria r\u00e4n<span class=\"__11 _617\"/>tan plus en riskpremie. Diskon<span class=\"__11 _617\"/>te-<span class=\"__11 _624\"> </span>ringsr\u00e4n<span class=\"__11 _617\"/>tan som anv\u00e4nde<span class=\"__11 _617\"/>s 2022 var 9,0 proc<span class=\"__11 _617\"/>ent (6,8 procen<span class=\"__11 _617\"/>t) efter skatt, vilket motsv<span class=\"__11 _617\"/>arar en r\u00e4n<span class=\"__11 _617\"/>ta p\u00e5 11,<span class=\"__11 _617\"/><span class=\"__11 _624\">7 procen</span><span class=\"__11 _617\"/>t (8,8 procent) f\u00f6r<span class=\"__11 _617\"/>e skatt. Den ber\u00e4knade tillv<span class=\"__11 _617\"/>\u00e4xttak<span class=\"__11 _617\"/>ten 2,5 procen<span class=\"__11 _617\"/>t (1,6 procen<span class=\"__11 _617\"/>t). De kassagenererande enhet<span class=\"__11 _617\"/>erna t\u00e4cker alla nordiska v<span class=\"__11 _617\"/>alutor och Nordea<span class=\"ws3_10\"> diskon<span class=\"__11 _617\"/>terar f<span class=\"__11 _617\"/>ram<span class=\"__11 _617\"/>tida kassafl\u00f6den med en euro-denomi<span class=\"__11 _624\"> </span></span>-<span class=\"__11 _624\"> </span>nerad r\u00e4n<span class=\"__11 _617\"/>ta f<span class=\"__11 _617\"/>\u00f6r alla kassagenerer<span class=\"__11 _617\"/>ande enheter<span class=\"__11 _625\"/>.<span class=\"__11 _626\"/> De pr\u00f6vningar a<span class=\"__11 _617\"/>v nedskrivningsbehov<span class=\"__11 _617\"/>et som gjordes 2022 p\u00e5visade in<span class=\"__11 _617\"/>te n\u00e5go<span class=\"__11 _617\"/>t behov a<span class=\"__11 _617\"/>v en nedskrivning av goodwill. B\u00e5de en \u00f6kning av disk<span class=\"__11 _617\"/>onteringsr<span class=\"__11 _617\"/>\u00e4nt<span class=\"__11 _617\"/>an med 1 procen<span class=\"__11 _617\"/>tenhet och en minskning av den f<span class=\"__11 _617\"/>ram<span class=\"__11 _617\"/>tida tillv<span class=\"__11 _617\"/>\u00e4xttakt<span class=\"__11 _617\"/>en med 1 procen<span class=\"__11 _617\"/>t-<span class=\"__11 _624\"> </span>enheter \u00e4r rimliga t\u00e4nkbara \u00e4ndringar i vik<span class=\"__11 _617\"/>tiga an<span class=\"__11 _617\"/>taganden. En s\u00e5dan \u00e4ndring skulle in<span class=\"__11 _617\"/>te leda till n\u00e5gon nedskrivning.<span class=\"__11 _624\"> </span>Immateriella tillg\u00e5ngar<span class=\"__11 _624\"> </span>Kassagenererande enheter<span class=\"__11 _625\"/>, mn euro<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Goodwill1 </span>31 dec 2022<span class=\"__11 _624\"> </span>Internt utvecklad programv<span class=\"__11 _617\"/>ara <span class=\"__11 _e4_3\"/> 31 dec 2022<span class=\"__11 _624\"> </span>Summa <span class=\"__11 _e4_3\"/> 31 dec 2022<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Goodwill1 </span>31 dec 2021<span class=\"__11 _624\"> </span>Internt utvecklad programv<span class=\"__11 _617\"/>ara <span class=\"__11 _e4_3\"/> 31 dec 2021<span class=\"__11 _624\"> </span>Summa <span class=\"__11 _e4_3\"/> 31 dec 2021<span class=\"__11 _624\"> </span>Personal Banking <span class=\"__11 _619\"> </span>1 029<span class=\"__11 _e1_3\"> </span>564<span class=\"__11 _709\"> </span>1 593<span class=\"__11 _645\"> </span>1 053<span class=\"__11 _b7_4\"> </span>590<span class=\"__11 _645\"> </span>1 643<span class=\"__11 _624\"> </span>Business Banking<span class=\"__11 _e5_3\"> </span><span class=\"ls6_10 ws8_10\">7<span class=\"__11 _626\"/>24<span class=\"__11 _e1_3\"> </span></span>490<span class=\"__11 _b6_4\"> </span>1 214<span class=\"__11 _c2_4\"> </span><span class=\"ls0_11 ws0_11\">751<span class=\"__11 _631\"> </span></span>522<span class=\"__11 _710\"> </span>1 27<span class=\"__11 _626\"/>3<span class=\"__11 _624\"> </span>Large Corpora<span class=\"__11 _617\"/>tes &amp; Insitutions<span class=\"__11 _e6_3\"> </span>165<span class=\"__11 _e1_3\"> </span>308<span class=\"__11 _631\"> </span>473<span class=\"__11 _1b_7\"> </span><span class=\"ls0_11 ws0_11\">171<span class=\"__11 _c5_4\"> </span></span>336<span class=\"__11 _e7_3\"> </span>507<span class=\"__11 _624\"> </span>Asset &amp; W<span class=\"__11 _617\"/>ealth Management<span class=\"__11 _a1_3\"> </span>344<span class=\"__11 _e7_3\"> </span>2<span class=\"__11 _626\"/>37<span class=\"__11 _631\"> </span>581<span class=\"__11 _a6_4\"> </span>\u2013<span class=\"__11 _631\"> </span>195<span class=\"__11 _de_3\"> </span>195<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _e8_4\"> </span>2 262<span class=\"__11 _a5_4\"> </span>1 599<span class=\"__11 _a5_4\"> </span>3 861<span class=\"__11 _645\"> </span>1 975<span class=\"__11 _a5_4\"> </span>1 64<span class=\"__11 _626\"/>3<span class=\"__11 _a5_4\"> </span>3 618<span class=\"__11 _624\"> </span><span class=\"__11 _624\">\u00d6vriga immateriella tillg\u00e5ngar2</span><span class=\"__11 _643\"> </span>\u2013<span class=\"__11 _e9_4\"> </span>\u2013<span class=\"__11 _631\"> </span>183<span class=\"__11 _a6_4\"> </span>\u2013<span class=\"__11 _a6_4\"> </span>\u2013<span class=\"__11 _e7_3\"> </span>166<span class=\"__11 _624\"> </span>Summa immateriella tillg\u00e5ngar<span class=\"__11 _7d_4\"> </span>2 262<span class=\"__11 _a5_4\"> </span>1 599<span class=\"__11 _661\"> </span>4 044<span class=\"__11 _645\"> </span>1 975<span class=\"__11 _a5_4\"> </span>1 643<span class=\"__11 _a5_4\"> </span>3 784<span class=\"__11 _624\"> </span>1)  Exklusive goodwill i intresse<span class=\"__11 _617\"/>f\u00f6retag.<span class=\"__11 _624\"> </span>2)  Inklusive k\u00f6pta progr<span class=\"__11 _617\"/>amlicenser utanf<span class=\"__11 _617\"/>\u00f6r interna utv<span class=\"__11 _617\"/>ecklingsprojekt om 109 mn euro (130 mn eur<span class=\"__11 _617\"/>o)<span class=\"__11 _624\"> </span>F\u00f6r\u00e4ndringar a<span class=\"__11 _617\"/>v goodwill, mn euro<span class=\"__11 _624\"> </span>31 dec 2022<span class=\"__11 _669\"> </span>31 dec 2021<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Anskaffningsv\u00e4r</span><span class=\"__11 _617\"/>de vid \u00e5rets b\u00f6rjan<span class=\"__11 _c8_4\"> </span>2 116<span class=\"__11 _648\"> </span>2 07<span class=\"__11 _626\"/>9<span class=\"__11 _624\"> </span>Ink\u00f6p<span class=\"__11 _ec_3\"> </span>344<span class=\"__11 _1a_7\"> </span>\u2013<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Utrangeringar1</span><span class=\"__11 _ed_3\"> </span><span class=\"ls0_11 ws0_11\">-141<span class=\"__11 _1a_7\"> </span></span>\u2013<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Omr\u00e4kningsdiff</span><span class=\"__11 _617\"/>erenser<span class=\"__11 _ee_4\"> </span><span class=\"ls0_11 ws0_11\">-57<span class=\"__11 _710\"> </span></span>37<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Anskaffningsv\u00e4r</span><span class=\"__11 _617\"/>de vid \u00e5rets slut<span class=\"__11 _690\"> </span>2 262<span class=\"__11 _b3_3\"> </span>2 116<span class=\"__11 _624\"> </span>Ackumulerade nedskrivningar vid \u00e5r<span class=\"__11 _617\"/>ets b\u00f6rjan<span class=\"__11 _b5_4\"> </span><span class=\"ls0_11 ws0_11\">-141<span class=\"__11 _702\"> </span>-141<span class=\"__11 _624\"> </span></span><span class=\"__11 _624\">Utrangeringar1</span><span class=\"__11 _ef_3\"> </span><span class=\"ls0_11 ws0_11\">141<span class=\"__11 _1a_7\"> </span></span>\u2013<span class=\"__11 _624\"> </span>Ackumulerade nedskrivningar vid \u00e5r<span class=\"__11 _617\"/>ets slut<span class=\"__11 _f0_4\"> </span>\u2013<span class=\"__11 _692\"> </span><span class=\"ls0_11 ws0_11\">-141<span class=\"__11 _624\"> </span></span>Summa<span class=\"__11 _f1_3\"> </span>2 262<span class=\"__11 _656\"> </span>1 975<span class=\"__11 _624\"> </span>1) A<span class=\"__11 _617\"/>vser Ryssland, se no<span class=\"__11 _617\"/>t K2.4 Summa nettoresulta<span class=\"__11 _617\"/>t av poster till verkligt v\u00e4r<span class=\"__11 _617\"/>de.<span class=\"__11 _624\"> </span>F\u00f6r\u00e4ndringar a<span class=\"__11 _617\"/>v progr<span class=\"__11 _617\"/>amvara, mn eur<span class=\"__11 _617\"/>o<span class=\"__11 _624\"> </span>31 dec 2022<span class=\"__11 _669\"> </span>31 dec 2021<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Anskaffningsv\u00e4r</span><span class=\"__11 _617\"/>de vid \u00e5rets b\u00f6rjan<span class=\"__11 _673\"> </span>2 794<span class=\"__11 _648\"> </span>2 580<span class=\"__11 _624\"> </span>Ink\u00f6p<span class=\"__11 _f2_3\"> </span>356<span class=\"__11 _694\"> </span>331<span class=\"__11 _624\"> </span>F\u00f6rs\u00e4ljningar<span class=\"__11 _617\"/>/utrangeringar<span class=\"__11 _f3_3\"> </span>-69<span class=\"__11 _6c_3\"> </span>-103<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Omr\u00e4kningsdiff</span><span class=\"__11 _617\"/>erenser<span class=\"__11 _f4_3\"> </span>-98<span class=\"__11 _b5_4\"> </span><span class=\"ls0_11 ws0_11\">-14<span class=\"__11 _624\"> </span></span><span class=\"__11 _624\">Anskaffningsv\u00e4r</span><span class=\"__11 _617\"/>de vid \u00e5rets slut<span class=\"__11 _676\"> </span>2 983<span class=\"__11 _648\"> </span>2 794<span class=\"__11 _624\"> </span>Ackumulerade a<span class=\"__11 _617\"/>vskrivningar vid \u00e5rets b\u00f6rjan<span class=\"__11 _b6_4\"> </span>-955<span class=\"__11 _684\"> </span>-698<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vskrivningar enligt plan<span class=\"__11 _f5_3\"> </span>-322<span class=\"__11 _6a_3\"> </span>-307<span class=\"__11 _624\"> </span>Ackumulerade a<span class=\"__11 _617\"/>vskrivningar p\u00e5 tillg\u00e5ngar som s\u00e5lts/utrangera<span class=\"__11 _617\"/>ts<span class=\"__11 _3d_5\"> </span>26<span class=\"__11 _a5_4\"> </span><span class=\"ls7_10 ws9_10\">48<span class=\"__11 _624\"> </span></span><span class=\"__11 _624\">Omr\u00e4kningsdiff</span><span class=\"__11 _617\"/>erenser<span class=\"__11 _6b_3\"> </span>40<span class=\"__11 _e1_3\"> </span>2<span class=\"__11 _624\"> </span>Ackumulerade a<span class=\"__11 _617\"/>vskrivningar vid \u00e5rets sl<span class=\"__11 _617\"/>ut<span class=\"__11 _e_10\"> </span>-<span class=\"__11 _617\"/>1 211<span class=\"__11 _6a_3\"> </span>-955<span class=\"__11 _624\"> </span>Ackumulerade nedskrivningar vid \u00e5r<span class=\"__11 _617\"/>ets b\u00f6rjan<span class=\"__11 _694\"> </span>-196<span class=\"__11 _692\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _626\"/>14<span class=\"__11 _624\"> </span></span>Ackumulerade nedskrivningar p\u00e5 tillg\u00e5ngar som s\u00e5lts/utranger<span class=\"__11 _617\"/>ats <span class=\"__11 _680\"> </span><span class=\"ls7_10 ws9_10\">43<span class=\"__11 _709\"> </span></span>55<span class=\"__11 _624\"> </span>Nedskrivningar<span class=\"__11 _aa_3\"> </span><span class=\"ls6_10 ws8_10\">-26<span class=\"__11 _694\"> </span></span>-40<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Omr\u00e4kningsdiff</span><span class=\"__11 _617\"/>erenser<span class=\"__11 _f6_3\"> </span>6<span class=\"__11 _bc_3\"> </span>3<span class=\"__11 _624\"> </span>Ackumulerade nedskrivningar vid \u00e5r<span class=\"__11 _617\"/>ets slut<span class=\"__11 _b1_3\"> </span><span class=\"ls0_11 ws0_11\">-173<span class=\"__11 _6c_3\"> </span></span>-196<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _f1_3\"> </span>1 599<span class=\"__11 _648\"> </span>1 64<span class=\"__11 _626\"/>3<span class=\"__11 _624\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGoodwillExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-671": {
   "value": "K5.1  Immateriella tillg\u00e5ngar Redovisningsprinciper Immateriella tillg\u00e5ngar \u00e4r identi\ufb01erbara, icke-monet\u00e4ra till- g\u00e5ngar som saknar fysisk beskaffenhet. Tillg\u00e5ngarna st\u00e5r under Nordeas kontroll, vilket inneb\u00e4r att Nordea har m\u00f6jlighet och r\u00e4tt att erh\u00e5lla de framtida ekonomiska f\u00f6rdelarna h\u00e4nf\u00f6r- liga till den underliggande tillg\u00e5ngen. Nordeas immateriella tillg\u00e5ngar utg\u00f6rs fr\u00e4mst av goodwill, IT-utvecklingsprojekt/pro- gramvaror och kundrelaterade immateriella tillg\u00e5ngar. Goodwill Goodwill utg\u00f6r skillnaden mellan anskaffningsv\u00e4rdet och det verkliga v\u00e4rdet p\u00e5 Nordeas andel av identi\ufb01erbara nettotillg\u00e5ng- ar i f\u00f6rv\u00e4rvade koncernf\u00f6retag/intressef\u00f6retag/joint ventures vid f\u00f6rv\u00e4rvstidpunkten. Goodwill som uppkommit vid f\u00f6rv\u00e4rv av koncernf\u00f6retag redovisas som \u201dImmateriella tillg\u00e5ngar\u201d. Good- will som uppkommit vid f\u00f6rv\u00e4rv av intressef\u00f6retag och joint ven- tures redovisas inte som en separat tillg\u00e5ng utan som \u201dAktier och andelar i intressef\u00f6retag och joint ventures\u201d. Goodwill pr\u00f6vas \u00e5rligen f\u00f6r eventuellt nedskrivningsbehov, eller oftare om h\u00e4n- delser eller \u00e4ndrade f\u00f6ruts\u00e4ttningar tyder p\u00e5 att nedskrivnings- behov \ufb01nns. Goodwill redovisas till anskaffningsv\u00e4rde minskat med ackumulerade nedskrivningar. Nedskrivning av goodwill kan inte \u00e5terf\u00f6ras i senare perioder. Goodwill h\u00e4nf\u00f6rlig till intres- sef\u00f6retag och joint ventures pr\u00f6vas inte separat f\u00f6r nedskriv- ningsbehov utan inkluderas i det redovisade v\u00e4rdet p\u00e5 intresse- f\u00f6retaget och joint venture-f\u00f6retaget. Principerna f\u00f6r nedskriv- ningspr\u00f6vning av intressef\u00f6retag och joint ventures beskrivs i not K9.3 \u201dAktier och andelar i intressef\u00f6retag och joint ventures\u201d. IT-utvecklingsprojekt/programvaror Kostnader h\u00e4nf\u00f6rliga till underh\u00e5ll av programvaror kostnads- f\u00f6rs l\u00f6pande. Utgifter direkt h\u00e4nf\u00f6rbara till st\u00f6rre investeringar i utveckling av programvara redovisas som immateriella till- g\u00e5ngar om de f\u00f6rv\u00e4ntas generera framtida ekonomiska f\u00f6rde- lar. Dessa utgifter omfattar personalkostnader f\u00f6r programut- veckling och indirekta kostnader f\u00f6r att f\u00e4rdigst\u00e4lla tillg\u00e5ngen f\u00f6r avsedd anv\u00e4ndning. Programkostnader omfattar ocks\u00e5 f\u00f6r- v\u00e4rvade programlicenser som inte \u00e4r h\u00e4nf\u00f6rliga till funktionen hos en materiell tillg\u00e5ng. Avskrivningen ber\u00e4knas linj\u00e4rt \u00f6ver programvarans nyttjan- deperiod, som vanligen \u00e4r 3 till 5 \u00e5r, och i vissa fall f\u00f6r strate- gisk infrastruktur upp till maximalt 10 \u00e5r. Kundrelaterade immateriella tillg\u00e5ngar I samband med r\u00f6relsef\u00f6rv\u00e4rv allokeras normalt sett en del av k\u00f6peskillingen till kundrelaterade immateriella tillg\u00e5ngar, under f\u00f6ruts\u00e4ttning att tillg\u00e5ngen \u00e4r identi\ufb01erbar och under Nordeas kontroll. En immateriell tillg\u00e5ng \u00e4r identi\ufb01erbar om den uppst\u00e5r till f\u00f6ljd av avtalsm\u00e4ssiga eller lagliga r\u00e4ttigheter, eller om den kan separeras fr\u00e5n f\u00f6retaget och s\u00e4ljas, \u00f6verf\u00f6ras, licensieras, uthyras eller bytas. Tillg\u00e5ngen skrivs av \u00f6ver nytt- jandeperioden, som vanligen \u00e4r mer \u00e4n 10 \u00e5r. Nedskrivning Goodwill och IT-utvecklingsprojekt som \u00e4nnu inte tagits i bruk skrivs inte av, men pr\u00f6vas \u00e5rligen med avseende p\u00e5 eventuellt nedskrivningsbehov. Pr\u00f6vningen g\u00f6rs oftare om n\u00e5got tyder p\u00e5 att ett nedskrivningsbehov f\u00f6religger. \u00c4ven f\u00f6r immateriella tillg\u00e5ngar som tagits i bruk och skrivs av, g\u00f6rs en bed\u00f6mning med avseende p\u00e5 indikationer p\u00e5 nedskrivningsbehov. Om s\u00e5dana indikationer \ufb01nns, pr\u00f6vas nedskrivningsbehovet f\u00f6r till- g\u00e5ngen. Nedskrivningskostnaden ber\u00e4knas som skillnaden mellan redovisat v\u00e4rde och \u00e5tervinningsv\u00e4rde. \u00c5tervinningsv\u00e4rdet \u00e4r det h\u00f6gre av verkligt v\u00e4rde efter avdrag f\u00f6r f\u00f6rs\u00e4ljningskostnader och nyttjandev\u00e4rdet f\u00f6r till- g\u00e5ngen eller den kassagenererande enheten. Kassagenereran- de enhet de\ufb01nieras som den minsta identi\ufb01erbara grupp av till- g\u00e5ngar som ger upphov till kassafl\u00f6den som i allt v\u00e4sentligt \u00e4r oberoende av andra tillg\u00e5ngar. F\u00f6r goodwill och IT-utvecklings- projekt som \u00e4nnu inte tagits i bruk, motsvaras de kassagenere- rande enheterna av r\u00f6relsesegmenten. Nyttjandev\u00e4rdet \u00e4r nuv\u00e4rdet av de kassafl\u00f6den som tillg\u00e5ngen eller den kassage- nererande enheten f\u00f6rv\u00e4ntas ge upphov til Samtliga koncernf\u00f6retag konsolideras i enlighet med f\u00f6r- v\u00e4rvsmetoden. Enligt f\u00f6rv\u00e4rvsmetoden betraktas k\u00f6pet som en transaktion d\u00e4r moderf\u00f6retaget indirekt f\u00f6rv\u00e4rvar kon- cernf\u00f6retagets tillg\u00e5ngar och \u00f6vertar dess skulder och even- tualf\u00f6rpliktelser. Koncernens anskaffningsv\u00e4rde ber\u00e4knas med hj\u00e4lp av en f\u00f6rv\u00e4rvsanalys. Vid analysen fastst\u00e4lls anskaffningsv\u00e4rdet till summan, p\u00e5 \u00f6verl\u00e5telsedagen, av verkligt v\u00e4rde p\u00e5 \u00f6verl\u00e5tna tillg\u00e5ngar, uppkomna eller \u00f6ver- tagna skulder samt av f\u00f6rv\u00e4rvaren emitterade eget kapital- instrument, i utbyte mot de f\u00f6rv\u00e4rvade identi\ufb01erbara nettotill- g\u00e5ngarna. Kostnader som \u00e4r direkt h\u00e4nf\u00f6rliga till r\u00f6relsef\u00f6r- v\u00e4rvet kostnadsf\u00f6rs. P\u00e5 f\u00f6rv\u00e4rvsdagen redovisar Nordea de f\u00f6rv\u00e4rvade identi- \ufb01erbara tillg\u00e5ngarna och \u00f6vertagna skulderna till verkligt v\u00e4rde per f\u00f6rv\u00e4rvsdagen. F\u00f6r varje r\u00f6relsef\u00f6rv\u00e4rv v\u00e4rderar Nordea minoritetsintres- sena i den f\u00f6rv\u00e4rvade r\u00f6relsen antingen till verkligt v\u00e4rde eller till innehavets proportionella andel av den f\u00f6rv\u00e4rvade r\u00f6relsens nettotillg\u00e5ngar. Om summan av den ers\u00e4ttning som betalas vid ett r\u00f6relse- f\u00f6rv\u00e4rv och det belopp som redovisas som minoritetsintres- sen \u00f6verstiger det verkliga nettov\u00e4rdet p\u00e5 identi\ufb01erbara till- g\u00e5ngar, skulder och eventualf\u00f6rpliktelser redovisas skillnaden som goodwill. Om skillnaden \u00e4r negativ redovisas den direkt i resultatr\u00e4kningen. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForGoodwillExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-672": {
   "value": "K5.1  Immateriella tillg\u00e5ngar Redovisningsprinciper Immateriella tillg\u00e5ngar \u00e4r identi\ufb01erbara, icke-monet\u00e4ra till- g\u00e5ngar som saknar fysisk beskaffenhet. Tillg\u00e5ngarna st\u00e5r under Nordeas kontroll, vilket inneb\u00e4r att Nordea har m\u00f6jlighet och r\u00e4tt att erh\u00e5lla de framtida ekonomiska f\u00f6rdelarna h\u00e4nf\u00f6r- liga till den underliggande tillg\u00e5ngen. Nordeas immateriella tillg\u00e5ngar utg\u00f6rs fr\u00e4mst av goodwill, IT-utvecklingsprojekt/pro- gramvaror och kundrelaterade immateriella tillg\u00e5ngar. Goodwill Goodwill utg\u00f6r skillnaden mellan anskaffningsv\u00e4rdet och det verkliga v\u00e4rdet p\u00e5 Nordeas andel av identi\ufb01erbara nettotillg\u00e5ng- ar i f\u00f6rv\u00e4rvade koncernf\u00f6retag/intressef\u00f6retag/joint ventures vid f\u00f6rv\u00e4rvstidpunkten. Goodwill som uppkommit vid f\u00f6rv\u00e4rv av koncernf\u00f6retag redovisas som \u201dImmateriella tillg\u00e5ngar\u201d. Good- will som uppkommit vid f\u00f6rv\u00e4rv av intressef\u00f6retag och joint ven- tures redovisas inte som en separat tillg\u00e5ng utan som \u201dAktier och andelar i intressef\u00f6retag och joint ventures\u201d. Goodwill pr\u00f6vas \u00e5rligen f\u00f6r eventuellt nedskrivningsbehov, eller oftare om h\u00e4n- delser eller \u00e4ndrade f\u00f6ruts\u00e4ttningar tyder p\u00e5 att nedskrivnings- behov \ufb01nns. Goodwill redovisas till anskaffningsv\u00e4rde minskat med ackumulerade nedskrivningar. Nedskrivning av goodwill kan inte \u00e5terf\u00f6ras i senare perioder. Goodwill h\u00e4nf\u00f6rlig till intres- sef\u00f6retag och joint ventures pr\u00f6vas inte separat f\u00f6r nedskriv- ningsbehov utan inkluderas i det redovisade v\u00e4rdet p\u00e5 intresse- f\u00f6retaget och joint venture-f\u00f6retaget. Principerna f\u00f6r nedskriv- ningspr\u00f6vning av intressef\u00f6retag och joint ventures beskrivs i not K9.3 \u201dAktier och andelar i intressef\u00f6retag och joint ventures\u201d. IT-utvecklingsprojekt/programvaror Kostnader h\u00e4nf\u00f6rliga till underh\u00e5ll av programvaror kostnads- f\u00f6rs l\u00f6pande. Utgifter direkt h\u00e4nf\u00f6rbara till st\u00f6rre investeringar i utveckling av programvara redovisas som immateriella till- g\u00e5ngar om de f\u00f6rv\u00e4ntas generera framtida ekonomiska f\u00f6rde- lar. Dessa utgifter omfattar personalkostnader f\u00f6r programut- veckling och indirekta kostnader f\u00f6r att f\u00e4rdigst\u00e4lla tillg\u00e5ngen f\u00f6r avsedd anv\u00e4ndning. Programkostnader omfattar ocks\u00e5 f\u00f6r- v\u00e4rvade programlicenser som inte \u00e4r h\u00e4nf\u00f6rliga till funktionen hos en materiell tillg\u00e5ng. Avskrivningen ber\u00e4knas linj\u00e4rt \u00f6ver programvarans nyttjan- deperiod, som vanligen \u00e4r 3 till 5 \u00e5r, och i vissa fall f\u00f6r strate- gisk infrastruktur upp till maximalt 10 \u00e5r. Kundrelaterade immateriella tillg\u00e5ngar I samband med r\u00f6relsef\u00f6rv\u00e4rv allokeras normalt sett en del av k\u00f6peskillingen till kundrelaterade immateriella tillg\u00e5ngar, under f\u00f6ruts\u00e4ttning att tillg\u00e5ngen \u00e4r identi\ufb01erbar och under Nordeas kontroll. En immateriell tillg\u00e5ng \u00e4r identi\ufb01erbar om den uppst\u00e5r till f\u00f6ljd av avtalsm\u00e4ssiga eller lagliga r\u00e4ttigheter, eller om den kan separeras fr\u00e5n f\u00f6retaget och s\u00e4ljas, \u00f6verf\u00f6ras, licensieras, uthyras eller bytas. Tillg\u00e5ngen skrivs av \u00f6ver nytt- jandeperioden, som vanligen \u00e4r mer \u00e4n 10 \u00e5r. Nedskrivning Goodwill och IT-utvecklingsprojekt som \u00e4nnu inte tagits i bruk skrivs inte av, men pr\u00f6vas \u00e5rligen med avseende p\u00e5 eventuellt nedskrivningsbehov. Pr\u00f6vningen g\u00f6rs oftare om n\u00e5got tyder p\u00e5 att ett nedskrivningsbehov f\u00f6religger. \u00c4ven f\u00f6r immateriella tillg\u00e5ngar som tagits i bruk och skrivs av, g\u00f6rs en bed\u00f6mning med avseende p\u00e5 indikationer p\u00e5 nedskrivningsbehov. Om s\u00e5dana indikationer \ufb01nns, pr\u00f6vas nedskrivningsbehovet f\u00f6r till- g\u00e5ngen. Nedskrivningskostnaden ber\u00e4knas som skillnaden mellan redovisat v\u00e4rde och \u00e5tervinningsv\u00e4rde. \u00c5tervinningsv\u00e4rdet \u00e4r det h\u00f6gre av verkligt v\u00e4rde efter avdrag f\u00f6r f\u00f6rs\u00e4ljningskostnader och nyttjandev\u00e4rdet f\u00f6r till- g\u00e5ngen eller den kassagenererande enheten. Kassagenereran- de enhet de\ufb01nieras som den minsta identi\ufb01erbara grupp av till- g\u00e5ngar som ger upphov till kassafl\u00f6den som i allt v\u00e4sentligt \u00e4r oberoende av andra tillg\u00e5ngar. F\u00f6r goodwill och IT-utvecklings- projekt som \u00e4nnu inte tagits i bruk, motsvaras de kassagenere- rande enheterna av r\u00f6relsesegmenten. Nyttjandev\u00e4rdet \u00e4r nuv\u00e4rdet av de kassafl\u00f6den som tillg\u00e5ngen eller den kassage- nererande enheten f\u00f6rv\u00e4ntas ge upphov til l. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfNonfinancialAssetsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-673": {
   "value": "K5.1  Immateriella tillg\u00e5ngar Redovisningsprinciper Immateriella tillg\u00e5ngar \u00e4r identi\ufb01erbara, icke-monet\u00e4ra till- g\u00e5ngar som saknar fysisk beskaffenhet. Tillg\u00e5ngarna st\u00e5r under Nordeas kontroll, vilket inneb\u00e4r att Nordea har m\u00f6jlighet och r\u00e4tt att erh\u00e5lla de framtida ekonomiska f\u00f6rdelarna h\u00e4nf\u00f6r- liga till den underliggande tillg\u00e5ngen. Nordeas immateriella tillg\u00e5ngar utg\u00f6rs fr\u00e4mst av goodwill, IT-utvecklingsprojekt/pro- gramvaror och kundrelaterade immateriella tillg\u00e5ngar. Goodwill Goodwill utg\u00f6r skillnaden mellan anskaffningsv\u00e4rdet och det verkliga v\u00e4rdet p\u00e5 Nordeas andel av identi\ufb01erbara nettotillg\u00e5ng- ar i f\u00f6rv\u00e4rvade koncernf\u00f6retag/intressef\u00f6retag/joint ventures vid f\u00f6rv\u00e4rvstidpunkten. Goodwill som uppkommit vid f\u00f6rv\u00e4rv av koncernf\u00f6retag redovisas som \u201dImmateriella tillg\u00e5ngar\u201d. Good- will som uppkommit vid f\u00f6rv\u00e4rv av intressef\u00f6retag och joint ven- tures redovisas inte som en separat tillg\u00e5ng utan som \u201dAktier och andelar i intressef\u00f6retag och joint ventures\u201d. Goodwill pr\u00f6vas \u00e5rligen f\u00f6r eventuellt nedskrivningsbehov, eller oftare om h\u00e4n- delser eller \u00e4ndrade f\u00f6ruts\u00e4ttningar tyder p\u00e5 att nedskrivnings- behov \ufb01nns. Goodwill redovisas till anskaffningsv\u00e4rde minskat med ackumulerade nedskrivningar. Nedskrivning av goodwill kan inte \u00e5terf\u00f6ras i senare perioder. Goodwill h\u00e4nf\u00f6rlig till intres- sef\u00f6retag och joint ventures pr\u00f6vas inte separat f\u00f6r nedskriv- ningsbehov utan inkluderas i det redovisade v\u00e4rdet p\u00e5 intresse- f\u00f6retaget och joint venture-f\u00f6retaget. Principerna f\u00f6r nedskriv- ningspr\u00f6vning av intressef\u00f6retag och joint ventures beskrivs i not K9.3 \u201dAktier och andelar i intressef\u00f6retag och joint ventures\u201d. IT-utvecklingsprojekt/programvaror Kostnader h\u00e4nf\u00f6rliga till underh\u00e5ll av programvaror kostnads- f\u00f6rs l\u00f6pande. Utgifter direkt h\u00e4nf\u00f6rbara till st\u00f6rre investeringar i utveckling av programvara redovisas som immateriella till- g\u00e5ngar om de f\u00f6rv\u00e4ntas generera framtida ekonomiska f\u00f6rde- lar. Dessa utgifter omfattar personalkostnader f\u00f6r programut- veckling och indirekta kostnader f\u00f6r att f\u00e4rdigst\u00e4lla tillg\u00e5ngen f\u00f6r avsedd anv\u00e4ndning. Programkostnader omfattar ocks\u00e5 f\u00f6r- v\u00e4rvade programlicenser som inte \u00e4r h\u00e4nf\u00f6rliga till funktionen hos en materiell tillg\u00e5ng. Avskrivningen ber\u00e4knas linj\u00e4rt \u00f6ver programvarans nyttjan- deperiod, som vanligen \u00e4r 3 till 5 \u00e5r, och i vissa fall f\u00f6r strate- gisk infrastruktur upp till maximalt 10 \u00e5r. Kundrelaterade immateriella tillg\u00e5ngar I samband med r\u00f6relsef\u00f6rv\u00e4rv allokeras normalt sett en del av k\u00f6peskillingen till kundrelaterade immateriella tillg\u00e5ngar, under f\u00f6ruts\u00e4ttning att tillg\u00e5ngen \u00e4r identi\ufb01erbar och under Nordeas kontroll. En immateriell tillg\u00e5ng \u00e4r identi\ufb01erbar om den uppst\u00e5r till f\u00f6ljd av avtalsm\u00e4ssiga eller lagliga r\u00e4ttigheter, eller om den kan separeras fr\u00e5n f\u00f6retaget och s\u00e4ljas, \u00f6verf\u00f6ras, licensieras, uthyras eller bytas. Tillg\u00e5ngen skrivs av \u00f6ver nytt- jandeperioden, som vanligen \u00e4r mer \u00e4n 10 \u00e5r. Nedskrivning Goodwill och IT-utvecklingsprojekt som \u00e4nnu inte tagits i bruk skrivs inte av, men pr\u00f6vas \u00e5rligen med avseende p\u00e5 eventuellt nedskrivningsbehov. Pr\u00f6vningen g\u00f6rs oftare om n\u00e5got tyder p\u00e5 att ett nedskrivningsbehov f\u00f6religger. \u00c4ven f\u00f6r immateriella tillg\u00e5ngar som tagits i bruk och skrivs av, g\u00f6rs en bed\u00f6mning med avseende p\u00e5 indikationer p\u00e5 nedskrivningsbehov. Om s\u00e5dana indikationer \ufb01nns, pr\u00f6vas nedskrivningsbehovet f\u00f6r till- g\u00e5ngen. Nedskrivningskostnaden ber\u00e4knas som skillnaden mellan redovisat v\u00e4rde och \u00e5tervinningsv\u00e4rde. \u00c5tervinningsv\u00e4rdet \u00e4r det h\u00f6gre av verkligt v\u00e4rde efter avdrag f\u00f6r f\u00f6rs\u00e4ljningskostnader och nyttjandev\u00e4rdet f\u00f6r till- g\u00e5ngen eller den kassagenererande enheten. Kassagenereran- de enhet de\ufb01nieras som den minsta identi\ufb01erbara grupp av till- g\u00e5ngar som ger upphov till kassafl\u00f6den som i allt v\u00e4sentligt \u00e4r oberoende av andra tillg\u00e5ngar. F\u00f6r goodwill och IT-utvecklings- projekt som \u00e4nnu inte tagits i bruk, motsvaras de kassagenere- rande enheterna av r\u00f6relsesegmenten. Nyttjandev\u00e4rdet \u00e4r nuv\u00e4rdet av de kassafl\u00f6den som tillg\u00e5ngen eller den kassage- nererande enheten f\u00f6rv\u00e4ntas ge upphov til l. K9.1  Konsoliderade f\u00f6retag Redovisningsprinciper Koncernredovisningen omfattar moderf\u00f6retaget Nordea Bank Abp samt de f\u00f6retag som moderf\u00f6retaget har ett best\u00e4m- mande inflytande \u00f6ver. Best\u00e4mmande inflytande f\u00f6religger n\u00e4r Nordea \u00e4r exponerat f\u00f6r volatilitet i avkastningen fr\u00e5n sina investeringar i ett annat f\u00f6retag och kan p\u00e5verka avkast- ningen genom sitt inflytande \u00f6ver det andra f\u00f6retaget. Best\u00e4mmande inflytande uppn\u00e5s i regel om moderf\u00f6retaget, direkt eller indirekt genom koncernf\u00f6retag, innehar mer \u00e4n 50 procent av aktiernas r\u00f6stv\u00e4rde. F\u00f6r f\u00f6retag d\u00e4r r\u00f6str\u00e4tterna inte ger best\u00e4mmande inflytande, se avsnittet \u201dStrukturerade f\u00f6retag\u201d nedan. Samtliga koncernf\u00f6retag konsolideras i enlighet med f\u00f6r- v\u00e4rvsmetoden. Enligt f\u00f6rv\u00e4rvsmetoden betraktas k\u00f6pet som en transaktion d\u00e4r moderf\u00f6retaget indirekt f\u00f6rv\u00e4rvar kon- cernf\u00f6retagets tillg\u00e5ngar och \u00f6vertar dess skulder och even- tualf\u00f6rpliktelser. Koncernens anskaffningsv\u00e4rde ber\u00e4knas med hj\u00e4lp av en f\u00f6rv\u00e4rvsanalys. Vid analysen fastst\u00e4lls anskaffningsv\u00e4rdet till summan, p\u00e5 \u00f6verl\u00e5telsedagen, av verkligt v\u00e4rde p\u00e5 \u00f6verl\u00e5tna tillg\u00e5ngar, uppkomna eller \u00f6ver- tagna skulder samt av f\u00f6rv\u00e4rvaren emitterade eget kapital- instrument, i utbyte mot de f\u00f6rv\u00e4rvade identi\ufb01erbara nettotill- g\u00e5ngarna. Kostnader som \u00e4r direkt h\u00e4nf\u00f6rliga till r\u00f6relsef\u00f6r- v\u00e4rvet kostnadsf\u00f6rs. P\u00e5 f\u00f6rv\u00e4rvsdagen redovisar Nordea de f\u00f6rv\u00e4rvade identi- \ufb01erbara tillg\u00e5ngarna och \u00f6vertagna skulderna till verkligt v\u00e4rde per f\u00f6rv\u00e4rvsdagen. F\u00f6r varje r\u00f6relsef\u00f6rv\u00e4rv v\u00e4rderar Nordea minoritetsintres- sena i den f\u00f6rv\u00e4rvade r\u00f6relsen antingen till verkligt v\u00e4rde eller till innehavets proportionella andel av den f\u00f6rv\u00e4rvade r\u00f6relsens nettotillg\u00e5ngar. Om summan av den ers\u00e4ttning som betalas vid ett r\u00f6relse- f\u00f6rv\u00e4rv och det belopp som redovisas som minoritetsintres- sen \u00f6verstiger det verkliga nettov\u00e4rdet p\u00e5 identi\ufb01erbara till- g\u00e5ngar, skulder och eventualf\u00f6rpliktelser redovisas skillnaden som goodwill. Om skillnaden \u00e4r negativ redovisas den direkt i resultatr\u00e4kningen. Eget kapital och resultat h\u00e4nf\u00f6rliga till minoritetsintressen redovisas p\u00e5 separata rader i balans- och resultatr\u00e4kningen samt i rapport \u00f6ver totalresultat. Koncerninterna transaktioner samt fordringar och skulder mellan koncernf\u00f6retagen elimineras. Koncernf\u00f6retagen ing\u00e5r i koncernredovisningen fr\u00e5n den dag det best\u00e4mmande inflytandet \u00f6ver f\u00f6retaget \u00f6verg\u00e5r till Nordea. Konsolideringen upph\u00f6r n\u00e4r best\u00e4mmande inflytan- de inte l\u00e4ngre existerar. I samband med konsolideringen anpassas koncernf\u00f6reta- gens redovisning f\u00f6r att uppn\u00e5 \u00f6verensst\u00e4mmelse med de IFRS-principer som Nordea till\u00e4mpa r . ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBusinessCombinationsAndGoodwillExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-674": {
   "value": "K5.1  Immateriella tillg\u00e5ngar Redovisningsprinciper Immateriella tillg\u00e5ngar \u00e4r identi\ufb01erbara, icke-monet\u00e4ra till- g\u00e5ngar som saknar fysisk beskaffenhet. Tillg\u00e5ngarna st\u00e5r under Nordeas kontroll, vilket inneb\u00e4r att Nordea har m\u00f6jlighet och r\u00e4tt att erh\u00e5lla de framtida ekonomiska f\u00f6rdelarna h\u00e4nf\u00f6r- liga till den underliggande tillg\u00e5ngen. Nordeas immateriella tillg\u00e5ngar utg\u00f6rs fr\u00e4mst av goodwill, IT-utvecklingsprojekt/pro- gramvaror och kundrelaterade immateriella tillg\u00e5ngar. Goodwill Goodwill utg\u00f6r skillnaden mellan anskaffningsv\u00e4rdet och det verkliga v\u00e4rdet p\u00e5 Nordeas andel av identi\ufb01erbara nettotillg\u00e5ng- ar i f\u00f6rv\u00e4rvade koncernf\u00f6retag/intressef\u00f6retag/joint ventures vid f\u00f6rv\u00e4rvstidpunkten. Goodwill som uppkommit vid f\u00f6rv\u00e4rv av koncernf\u00f6retag redovisas som \u201dImmateriella tillg\u00e5ngar\u201d. Good- will som uppkommit vid f\u00f6rv\u00e4rv av intressef\u00f6retag och joint ven- tures redovisas inte som en separat tillg\u00e5ng utan som \u201dAktier och andelar i intressef\u00f6retag och joint ventures\u201d. Goodwill pr\u00f6vas \u00e5rligen f\u00f6r eventuellt nedskrivningsbehov, eller oftare om h\u00e4n- delser eller \u00e4ndrade f\u00f6ruts\u00e4ttningar tyder p\u00e5 att nedskrivnings- behov \ufb01nns. Goodwill redovisas till anskaffningsv\u00e4rde minskat med ackumulerade nedskrivningar. Nedskrivning av goodwill kan inte \u00e5terf\u00f6ras i senare perioder. Goodwill h\u00e4nf\u00f6rlig till intres- sef\u00f6retag och joint ventures pr\u00f6vas inte separat f\u00f6r nedskriv- ningsbehov utan inkluderas i det redovisade v\u00e4rdet p\u00e5 intresse- f\u00f6retaget och joint venture-f\u00f6retaget. Principerna f\u00f6r nedskriv- ningspr\u00f6vning av intressef\u00f6retag och joint ventures beskrivs i not K9.3 \u201dAktier och andelar i intressef\u00f6retag och joint ventures\u201d. IT-utvecklingsprojekt/programvaror Kostnader h\u00e4nf\u00f6rliga till underh\u00e5ll av programvaror kostnads- f\u00f6rs l\u00f6pande. Utgifter direkt h\u00e4nf\u00f6rbara till st\u00f6rre investeringar i utveckling av programvara redovisas som immateriella till- g\u00e5ngar om de f\u00f6rv\u00e4ntas generera framtida ekonomiska f\u00f6rde- lar. Dessa utgifter omfattar personalkostnader f\u00f6r programut- veckling och indirekta kostnader f\u00f6r att f\u00e4rdigst\u00e4lla tillg\u00e5ngen f\u00f6r avsedd anv\u00e4ndning. Programkostnader omfattar ocks\u00e5 f\u00f6r- v\u00e4rvade programlicenser som inte \u00e4r h\u00e4nf\u00f6rliga till funktionen hos en materiell tillg\u00e5ng. Avskrivningen ber\u00e4knas linj\u00e4rt \u00f6ver programvarans nyttjan- deperiod, som vanligen \u00e4r 3 till 5 \u00e5r, och i vissa fall f\u00f6r strate- gisk infrastruktur upp till maximalt 10 \u00e5r. Kundrelaterade immateriella tillg\u00e5ngar I samband med r\u00f6relsef\u00f6rv\u00e4rv allokeras normalt sett en del av k\u00f6peskillingen till kundrelaterade immateriella tillg\u00e5ngar, under f\u00f6ruts\u00e4ttning att tillg\u00e5ngen \u00e4r identi\ufb01erbar och under Nordeas kontroll. En immateriell tillg\u00e5ng \u00e4r identi\ufb01erbar om den uppst\u00e5r till f\u00f6ljd av avtalsm\u00e4ssiga eller lagliga r\u00e4ttigheter, eller om den kan separeras fr\u00e5n f\u00f6retaget och s\u00e4ljas, \u00f6verf\u00f6ras, licensieras, uthyras eller bytas. Tillg\u00e5ngen skrivs av \u00f6ver nytt- jandeperioden, som vanligen \u00e4r mer \u00e4n 10 \u00e5r. Nedskrivning Goodwill och IT-utvecklingsprojekt som \u00e4nnu inte tagits i bruk skrivs inte av, men pr\u00f6vas \u00e5rligen med avseende p\u00e5 eventuellt nedskrivningsbehov. Pr\u00f6vningen g\u00f6rs oftare om n\u00e5got tyder p\u00e5 att ett nedskrivningsbehov f\u00f6religger. \u00c4ven f\u00f6r immateriella tillg\u00e5ngar som tagits i bruk och skrivs av, g\u00f6rs en bed\u00f6mning med avseende p\u00e5 indikationer p\u00e5 nedskrivningsbehov. Om s\u00e5dana indikationer \ufb01nns, pr\u00f6vas nedskrivningsbehovet f\u00f6r till- g\u00e5ngen. Nedskrivningskostnaden ber\u00e4knas som skillnaden mellan redovisat v\u00e4rde och \u00e5tervinningsv\u00e4rde. \u00c5tervinningsv\u00e4rdet \u00e4r det h\u00f6gre av verkligt v\u00e4rde efter avdrag f\u00f6r f\u00f6rs\u00e4ljningskostnader och nyttjandev\u00e4rdet f\u00f6r till- g\u00e5ngen eller den kassagenererande enheten. Kassagenereran- de enhet de\ufb01nieras som den minsta identi\ufb01erbara grupp av till- g\u00e5ngar som ger upphov till kassafl\u00f6den som i allt v\u00e4sentligt \u00e4r oberoende av andra tillg\u00e5ngar. F\u00f6r goodwill och IT-utvecklings- projekt som \u00e4nnu inte tagits i bruk, motsvaras de kassagenere- rande enheterna av r\u00f6relsesegmenten. Nyttjandev\u00e4rdet \u00e4r nuv\u00e4rdet av de kassafl\u00f6den som tillg\u00e5ngen eller den kassage- nererande enheten f\u00f6rv\u00e4ntas ge upphov til l.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-675": {
   "value": "K5.2  Materiella tillg\u00e5ngar Redovisningsprinciper Posten \u201dMateriella tillg\u00e5ngar\u201d innefattar fastigheter f\u00f6r egen  anv\u00e4ndning, f\u00f6rb\u00e4ttringsutgifter p\u00e5 annans fastighet, IT-utrust- ning, m\u00f6bler och annan utrustning. \u00c4ven nyttjander\u00e4tter enligt  leasingavtal ing\u00e5r h\u00e4r (f\u00f6r mer information se not K5.4 \u201dLea- sing\u201d). Materiella tillg\u00e5ngar redovisas till anskaffningsv\u00e4rde  minskat med ackumulerade av- och nedskrivningar. Anskaff- ningsv\u00e4rdet f\u00f6r en materiell tillg\u00e5ng utg\u00f6rs av dess ink\u00f6pspris  samt eventuella kostnader direkt h\u00e4nf\u00f6rliga till att s\u00e4tta till- g\u00e5ngen i brukbart skick f\u00f6r avsedd anv\u00e4ndning. Delar av en  materiell tillg\u00e5ng redovisas som separata poster om de har  olika nyttjandeperiod. F\u00f6rb\u00e4ttringsutgifter redovisas som tillg\u00e5ngar om de inneb\u00e4r  en f\u00f6rb\u00e4ttrad funktion hos tillg\u00e5ngen, medan utgifter f\u00f6r  underh\u00e5ll inte f\u00f6rb\u00e4ttrar tillg\u00e5ngens funktion och d\u00e4rmed kost- nadsf\u00f6rs l\u00f6pande. Materiella tillg\u00e5ngar skrivs av linj\u00e4rt \u00f6ver den ber\u00e4knade  nyttjandeperioden enligt nedan. Den ber\u00e4knade nyttjandepe- rioden f\u00f6r olika materiella tillg\u00e5ngar uppdateras \u00e5rligen. Byggnader  30\u201375 \u00e5r Inventarier  3\u20135 \u00e5r F\u00f6rb\u00e4ttrings  -  utgifter  p\u00e5   annans fastighet    F\u00f6r f\u00f6r\u00e4ndringar inom byggnader, det kor- tare av 10 \u00e5r och \u00e5terst\u00e5ende hyresperiod.  F\u00f6r nybyggnation, det kortare av redovis- ningsprinciperna f\u00f6r \u00e4gda byggnader och  \u00e5terst\u00e5ende hyresperiod. F\u00f6r fast inredning i  hyrda fastigheter g\u00e4ller det kortare av  10\u201320 \u00e5r och \u00e5terst\u00e5ende hyresperiod . Varje balansdag pr\u00f6var Nordea om det \ufb01nns indikationer p\u00e5  nedskrivningsbehov f\u00f6r en materiell tillg\u00e5ng. Om s\u00e5dana indi- kationer \ufb01nns g\u00f6rs en bed\u00f6mning av tillg\u00e5ngens \u00e5tervin- ningsv\u00e4rde och eventuell nedskrivning g\u00f6rs. Nedskrivningar \u00e5terf\u00f6rs om \u00e5tervinningsv\u00e4rdet \u00f6kar. Det  redovisade v\u00e4rdet \u00f6kas d\u00e5 till \u00e5tervinningsv\u00e4rdet, men kan  inte \u00f6verstiga vad det redovisade v\u00e4rdet varit om en nedskriv- ning inte redovisats i f\u00f6rsta l\u00e4get. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRepairsAndMaintenanceExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-677": {
   "value": "K5.2  Materiella tillg\u00e5ngar Redovisningsprinciper Posten \u201dMateriella tillg\u00e5ngar\u201d innefattar fastigheter f\u00f6r egen  anv\u00e4ndning, f\u00f6rb\u00e4ttringsutgifter p\u00e5 annans fastighet, IT-utrust- ning, m\u00f6bler och annan utrustning. \u00c4ven nyttjander\u00e4tter enligt  leasingavtal ing\u00e5r h\u00e4r (f\u00f6r mer information se not K5.4 \u201dLea- sing\u201d). Materiella tillg\u00e5ngar redovisas till anskaffningsv\u00e4rde  minskat med ackumulerade av- och nedskrivningar. Anskaff- ningsv\u00e4rdet f\u00f6r en materiell tillg\u00e5ng utg\u00f6rs av dess ink\u00f6pspris  samt eventuella kostnader direkt h\u00e4nf\u00f6rliga till att s\u00e4tta till- g\u00e5ngen i brukbart skick f\u00f6r avsedd anv\u00e4ndning. Delar av en  materiell tillg\u00e5ng redovisas som separata poster om de har  olika nyttjandeperiod. F\u00f6rb\u00e4ttringsutgifter redovisas som tillg\u00e5ngar om de inneb\u00e4r  en f\u00f6rb\u00e4ttrad funktion hos tillg\u00e5ngen, medan utgifter f\u00f6r  underh\u00e5ll inte f\u00f6rb\u00e4ttrar tillg\u00e5ngens funktion och d\u00e4rmed kost- nadsf\u00f6rs l\u00f6pande. Materiella tillg\u00e5ngar skrivs av linj\u00e4rt \u00f6ver den ber\u00e4knade  nyttjandeperioden enligt nedan. Den ber\u00e4knade nyttjandepe- rioden f\u00f6r olika materiella tillg\u00e5ngar uppdateras \u00e5rligen. Byggnader  30\u201375 \u00e5r Inventarier  3\u20135 \u00e5r F\u00f6rb\u00e4ttrings  -  utgifter  p\u00e5   annans fastighet    F\u00f6r f\u00f6r\u00e4ndringar inom byggnader, det kor- tare av 10 \u00e5r och \u00e5terst\u00e5ende hyresperiod.  F\u00f6r nybyggnation, det kortare av redovis- ningsprinciperna f\u00f6r \u00e4gda byggnader och  \u00e5terst\u00e5ende hyresperiod. F\u00f6r fast inredning i  hyrda fastigheter g\u00e4ller det kortare av  10\u201320 \u00e5r och \u00e5terst\u00e5ende hyresperiod . Varje balansdag pr\u00f6var Nordea om det \ufb01nns indikationer p\u00e5  nedskrivningsbehov f\u00f6r en materiell tillg\u00e5ng. Om s\u00e5dana indi- kationer \ufb01nns g\u00f6rs en bed\u00f6mning av tillg\u00e5ngens \u00e5tervin- ningsv\u00e4rde och eventuell nedskrivning g\u00f6rs. Nedskrivningar \u00e5terf\u00f6rs om \u00e5tervinningsv\u00e4rdet \u00f6kar. Det  redovisade v\u00e4rdet \u00f6kas d\u00e5 till \u00e5tervinningsv\u00e4rdet, men kan  inte \u00f6verstiga vad det redovisade v\u00e4rdet varit om en nedskriv- ning inte redovisats i f\u00f6rsta l\u00e4get. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-678": {
   "value": "K5.2  Materiella tillg\u00e5ngar Redovisningsprinciper Posten \u201dMateriella tillg\u00e5ngar\u201d innefattar fastigheter f\u00f6r egen anv\u00e4ndning, f\u00f6rb\u00e4ttringsutgifter p\u00e5 annans fastighet, IT-utrust- ning, m\u00f6bler och annan utrustning. \u00c4ven nyttjander\u00e4tter enligt leasingavtal ing\u00e5r h\u00e4r (f\u00f6r mer information se not K5.4 \u201dLea- sing\u201d). Materiella tillg\u00e5ngar redovisas till anskaffningsv\u00e4rde minskat med ackumulerade av- och nedskrivningar. Anskaff- ningsv\u00e4rdet f\u00f6r en materiell tillg\u00e5ng utg\u00f6rs av dess ink\u00f6pspris samt eventuella kostnader direkt h\u00e4nf\u00f6rliga till att s\u00e4tta till- g\u00e5ngen i brukbart skick f\u00f6r avsedd anv\u00e4ndning. Delar av en materiell tillg\u00e5ng redovisas som separata poster om de har olika nyttjandeperiod. F\u00f6rb\u00e4ttringsutgifter redovisas som tillg\u00e5ngar om de inneb\u00e4r en f\u00f6rb\u00e4ttrad funktion hos tillg\u00e5ngen, medan utgifter f\u00f6r underh\u00e5ll inte f\u00f6rb\u00e4ttrar tillg\u00e5ngens funktion och d\u00e4rmed kost- nadsf\u00f6rs l\u00f6pande. Materiella tillg\u00e5ngar skrivs av linj\u00e4rt \u00f6ver den ber\u00e4knade nyttjandeperioden enligt nedan. Den ber\u00e4knade nyttjandepe- rioden f\u00f6r olika materiella tillg\u00e5ngar uppdateras \u00e5rligen. Byggnader  30\u201375 \u00e5r Inventarier  3\u20135 \u00e5r F\u00f6rb\u00e4ttrings  - utgifter  p\u00e5   annans fastighet    F\u00f6r f\u00f6r\u00e4ndringar inom byggnader, det kor- tare av 10 \u00e5r och \u00e5terst\u00e5ende hyresperiod. F\u00f6r nybyggnation, det kortare av redovis- ningsprinciperna f\u00f6r \u00e4gda byggnader och \u00e5terst\u00e5ende hyresperiod. F\u00f6r fast inredning i hyrda fastigheter g\u00e4ller det kortare av 10\u201320 \u00e5r och \u00e5terst\u00e5ende hyresperiod . Varje balansdag pr\u00f6var Nordea om det \ufb01nns indikationer p\u00e5  nedskrivningsbehov f\u00f6r en materiell tillg\u00e5ng. Om s\u00e5dana indi- kationer \ufb01nns g\u00f6rs en bed\u00f6mning av tillg\u00e5ngens \u00e5tervin- ningsv\u00e4rde och eventuell nedskrivning g\u00f6rs. Nedskrivningar \u00e5terf\u00f6rs om \u00e5tervinningsv\u00e4rdet \u00f6kar. Det  redovisade v\u00e4rdet \u00f6kas d\u00e5 till \u00e5tervinningsv\u00e4rdet, men kan  inte \u00f6verstiga vad det redovisade v\u00e4rdet varit om en nedskriv- ning inte redovisats i f\u00f6rsta l\u00e4get. Materiella tillg\u00e5ngar 31 dec 2022 31 dec 2021 Mn euro \u00c4gda tillg\u00e5ngar  Nyttjander\u00e4tt till  tillg\u00e5ngar Summa \u00c4gda tillg\u00e5ngar  Nyttjander\u00e4tt till  tillg\u00e5ngar Summa Inventarier 344 5 349 363 6 369 Mark och byggnader 72 1 252 1 324 51 1 325 1 376 Summa 416 1 257 1 673 414 1 331 1 745 Inventarier Anskaffningsv\u00e4rde vid \u00e5rets b\u00f6rjan 1 343 14 1 357 1 361 33 1 394 Ink\u00f6p 63 3 66 33 3 36 F\u00f6rs\u00e4ljningar/utrangeringar -68 -3 -71 -47 -22 -69 Omklassificeringar \u2013 \u2013 \u2013 -7 \u2013 -7 Omr\u00e4kningsdifferenser -29 -1 -30 3 0 3 Anskaffningsv\u00e4rde vid \u00e5rets slut 1 309 13 1 322 1 343 14 1 357 Ackumulerade avskrivningar vid \u00e5rets b\u00f6rjan -972 -8 -980 -930 -18 -948 Ackumulerade avskrivningar p\u00e5 tillg\u00e5ngar som  s\u00e5lts/utrangerats 65 3 68 31 19 50 Omklassificeringar \u2013 \u2013 \u2013 7 \u2013 7 Avskrivningar enligt plan -68 -3 -71 -78 -9 -87 Omr\u00e4kningsdifferenser 17 0 17 -2 0 -2 Ackumulerade avskrivningar vid \u00e5rets slut -958 -8 -966 -972 -8 -980 Ackumulerade nedskrivningar vid \u00e5rets b\u00f6rjan -8 \u2013 -8 -7 \u2013 -7 Ackumulerade nedskrivningar p\u00e5 tillg\u00e5ngar som  s\u00e5lts/utrangerats  \u2013 \u2013 \u2013 12 \u2013 12 Nedskrivningar, netto \u2013 \u2013 \u2013 -13 \u2013 -13 Omr\u00e4kningsdifferenser 1 \u2013 1 \u2013 \u2013 \u2013 Ackumulerade nedskrivningar vid \u00e5rets slut -7 \u2013 -7 -8 \u2013 -8 Summa 344 5 349 363 6 369 Mark och byggnader Anskaffningsv\u00e4rde vid \u00e5rets b\u00f6rjan 55 1 777 1 832 51 1 774 1 825 Ink\u00f6p 12 84 96 1 54 55 F\u00f6rs\u00e4ljningar/utrangeringar -2 -34 -36 \u2013 -49 -49 Omklassificeringar 12 \u2013 12 \u2013 \u2013 \u2013 Omr\u00e4kningsdifferenser -1 -24 -25 3 -2 1 Anskaffningsv\u00e4rde vid \u00e5rets slut 76 1 803 1 879 55 1 777 1 832 Ackumulerade avskrivningar vid \u00e5rets b\u00f6rjan -4 -438 -442 -3 -307 -310 Ackumulerade avskrivningar p\u00e5 tillg\u00e5ngar som  s\u00e5lts/utrangerats  \u2013 34 34 \u2013 26 26 Avskrivningar enligt plan \u2013 -144 -144 \u2013 -157 -157 Omr\u00e4kningsdifferenser \u2013 9 9 -1 0 -1 Ackumulerade avskrivningar vid \u00e5rets slut -4 -539 -543 -4 -438 -442 Ackumulerade nedskrivningar vid \u00e5rets b\u00f6rjan \u2013 -14 -14 \u2013 -23 -23 Ackumulerade nedskrivningar p\u00e5 tillg\u00e5ngar som  s\u00e5lts/utrangerats \u2013 \u2013 \u2013 \u2013 16 16 Nedskrivningar, netto \u2013 1 1 \u2013 6 6 Omr\u00e4kningsdifferenser \u2013 1 1 \u2013 -1 -1 Ackumulerade nedskrivningar vid \u00e5rets slut \u2013 -12 -12 \u2013 -14 -14 Summa 72 1 252 1 324 51 1 325 1 376 ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPropertyPlantAndEquipmentExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-680": {
   "value": "K5.3 F<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _625\"/>astigheter<span class=\"__11 _624\"> </span>Redovisningsprinciper<span class=\"__11 _624\"> </span>En f\u00f6rvaltningsf<span class=\"__11 _617\"/>astighet \u00e4r en f<span class=\"__11 _617\"/>astighet (mark ell<span class=\"__11 _617\"/>er byggnad \u2013 eller delar av b<span class=\"__11 _617\"/>yggnad \u2013 eller b\u00e5da) som innehas i syfte att generera h<span class=\"__11 _617\"/>yresinkoms<span class=\"__11 _617\"/>ter och/<span class=\"__11 _617\"/>eller v\u00e4r<span class=\"__11 _617\"/>destegring, och all<span class=\"__11 _617\"/>ts\u00e5 inte f<span class=\"__11 _617\"/>\u00f6r eget utnyttjande i den or<span class=\"__11 _617\"/>dinarie verksamheten. F\u00f6rvaltningsf<span class=\"__11 _617\"/>as<span class=\"__11 _617\"/>tigheter redovisas i balansr<span class=\"__11 _617\"/>\u00e4kningen n\u00e4r det \u00e4r sannolikt a<span class=\"__11 _617\"/>tt de fram<span class=\"__11 _617\"/>tida ekonomiska f<span class=\"__11 _617\"/>\u00f6rdelarna tillf<span class=\"__11 _617\"/>al-<span class=\"__11 _624\"> </span>ler Nordea och kostnaderna f<span class=\"__11 _617\"/>\u00f6r f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheten kan ber\u00e4knas p\u00e5 ett tillf<span class=\"__11 _617\"/>\u00f6rlitligt s\u00e4tt.<span class=\"__11 _624\"> </span>En f\u00f6rvaltningsf<span class=\"__11 _617\"/>astighet v<span class=\"__11 _617\"/>\u00e4rder<span class=\"__11 _617\"/>as vid f\u00f6rsta r<span class=\"__11 _617\"/>edovisnings-<span class=\"__11 _624\"> </span>tillf\u00e4llet till anska<span class=\"__11 _617\"/><span class=\"__11 _624\">ffningsv\u00e4r</span><span class=\"__11 _617\"/>det, inklusive transak<span class=\"__11 _617\"/>tionskostna<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>der<span class=\"__11 _625\"/><span class=\"__11 _624\">. Anskaffningsv\u00e4r</span><span class=\"__11 _617\"/>det f\u00f6r en f<span class=\"__11 _617\"/>\u00f6rv\u00e4rvad f<span class=\"__11 _617\"/>\u00f6rvaltningsfas<span class=\"__11 _617\"/>tighet utg\u00f6rs av k<span class=\"__11 _617\"/>\u00f6peskilling och kostnader dir<span class=\"__11 _617\"/>ekt h\u00e4n<span class=\"__11 _617\"/>f\u00f6rliga till k\u00f6pet. Exempel p\u00e5 kostnader dir<span class=\"__11 _617\"/>ekt h\u00e4n<span class=\"__11 _617\"/>f<span class=\"__11 _617\"/>\u00f6rliga till k\u00f6pet \u00e4r arvoden f\u00f6r juridiska tj\u00e4ns<span class=\"__11 _617\"/>ter<span class=\"__11 _625\"/>, st\u00e4mpelskatter och \u00f6vriga transak<span class=\"__11 _617\"/>tionskostnader<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Nordea anv<span class=\"__11 _617\"/>\u00e4nder verkligt v\u00e4r<span class=\"__11 _617\"/>de-modellen f\u00f6r v<span class=\"__11 _617\"/>\u00e4rdering a<span class=\"__11 _617\"/>v f\u00f6rvaltningsf<span class=\"__11 _617\"/>astighet<span class=\"__11 _617\"/>er<span class=\"__11 _625\"/>. B\u00e4sta beviset p\u00e5 verkligt v\u00e4r<span class=\"__11 _617\"/>de \u00e4r normalt noter<span class=\"__11 _617\"/>ade priser p\u00e5 en ak<span class=\"__11 _617\"/>tiv marknad f\u00f6r liknande fas<span class=\"__11 _617\"/>tigheter med samma l\u00e4ge och i samma skick. D\u00e5 noterade priser p\u00e5 en aktiv marknad o<span class=\"__11 _617\"/>ftast saknas, anv<span class=\"__11 _617\"/>\u00e4nds \u00e4<span class=\"__11 _617\"/>ven modeller baserade p\u00e5 diskon<span class=\"__11 _617\"/>ter<span class=\"__11 _617\"/>ade kassafl\u00f6desprognoser som bygger p\u00e5 tillf<span class=\"__11 _617\"/>\u00f6rlitliga uppskattningar a<span class=\"__11 _625\"/>v framtida kassa<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>fl\u00f6den. V<span class=\"__11 _617\"/>\u00e4rderingen till v<span class=\"__11 _617\"/>erkligt v\u00e4rde a<span class=\"__11 _617\"/>v f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astighe-<span class=\"__11 _624\"> </span>ter tar h\u00e4nsyn till en marknadsak<span class=\"__11 _617\"/>t\u00f6rs f\u00f6rm\u00e5ga a<span class=\"__11 _617\"/>tt generera ekonomiska f<span class=\"__11 _617\"/>\u00f6rdelar genom att an<span class=\"__11 _617\"/>v\u00e4nda f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astig-<span class=\"__11 _624\"> </span>heterna p\u00e5 det maximala och b\u00e4sta s\u00e4<span class=\"__11 _617\"/>ttet, det vill s\u00e4ga tar h\u00e4nsyn till den anv\u00e4ndning a<span class=\"__11 _617\"/>v f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheterna som \u00e4r fysiskt m\u00f6jlig, lagligen till\u00e5<span class=\"__11 _617\"/>ten och \ufb01nansiellt genom<span class=\"__11 _617\"/>f\u00f6rbar<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Driftsnetto, rea<span class=\"__11 _617\"/>vins<span class=\"__11 _617\"/>ter och reaf<span class=\"__11 _617\"/>\u00f6rlus<span class=\"__11 _617\"/>ter liksom just<span class=\"__11 _617\"/>eringar till verkligt v\u00e4r<span class=\"__11 _617\"/>de redovisas direk<span class=\"__11 _617\"/>t i re<span class=\"__11 _617\"/>sultatr<span class=\"__11 _617\"/>\u00e4kningen som \u201dNettoresult<span class=\"__11 _617\"/>at a<span class=\"__11 _617\"/>v poster till v<span class=\"__11 _617\"/>erkligt v\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>F\u00f6rvaltningsf<span class=\"__11 _617\"/>as<span class=\"__11 _617\"/>tigheter v\u00e4rder<span class=\"__11 _617\"/>as till verkligt v<span class=\"__11 _617\"/>\u00e4rde utifr<span class=\"__11 _617\"/>\u00e5n de tre niv\u00e5erna i IFRS-hier<span class=\"__11 _617\"/>arkin f\u00f6r v<span class=\"__11 _617\"/>erkligt v\u00e4rde. Hier<span class=\"__11 _617\"/>arkin ger h\u00f6gst prioritet till not<span class=\"__11 _617\"/>erade priser (<span class=\"__11 _617\"/>ojuster<span class=\"__11 _617\"/>ade) p\u00e5 ak<span class=\"__11 _617\"/>tiva marknader f\u00f6r iden<span class=\"__11 _617\"/>tiska f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheter (niv\u00e5 1) och l\u00e4gst prioritet till ej observerbar indat<span class=\"__11 _617\"/>a (niv\u00e5 3). Klassi\ufb01ce-<span class=\"__11 _624\"> </span>ringen av f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astighet<span class=\"__11 _617\"/>erna baseras p\u00e5 den l\u00e4gst<span class=\"__11 _617\"/>a niv\u00e5 indata s<span class=\"__11 _617\"/>om \u00e4r v\u00e4sen<span class=\"__11 _617\"/>tlig f\u00f6r v<span class=\"__11 _617\"/>erkligt v\u00e4rde-v<span class=\"__11 _617\"/>\u00e4rderingen i sin helhet.<span class=\"__11 _624\"> </span>F\u00f6r ytt<span class=\"__11 _617\"/>erligare inf<span class=\"__11 _617\"/>ormation om uppska<span class=\"__11 _617\"/>ttning a<span class=\"__11 _617\"/>v verkligt v\u00e4rde och v<span class=\"__11 _617\"/>erkligt v\u00e4rde-hier<span class=\"__11 _617\"/>arkin, se not K3.4 \u201dV<span class=\"__11 _625\"/>erkligt v\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span> Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__11 _617\"/>ttningar<span class=\"__11 _624\"> </span>F\u00f6rvaltningsf<span class=\"__11 _617\"/>as<span class=\"__11 _617\"/>tigheter v\u00e4rder<span class=\"__11 _617\"/>as till verkligt v<span class=\"__11 _617\"/>\u00e4rde. Eftersom det normalt int<span class=\"__11 _617\"/>e \ufb01nns n\u00e5gra ak<span class=\"__11 _617\"/>tiva marknader f<span class=\"__11 _617\"/>\u00f6r f\u00f6rval<span class=\"__11 _617\"/>t-<span class=\"__11 _624\"> </span>ningsfas<span class=\"__11 _617\"/>tigheter estimer<span class=\"__11 _617\"/>as verkligt v\u00e4r<span class=\"__11 _617\"/>de med hj\u00e4lp av modeller baserade p\u00e5 diskon<span class=\"__11 _617\"/>ter<span class=\"__11 _617\"/>ade kassafl\u00f6den. Dessa modeller bygger p\u00e5 an<span class=\"__11 _617\"/>taganden om fr<span class=\"__11 _617\"/>amtida h<span class=\"__11 _617\"/>yror<span class=\"__11 _625\"/>, bel\u00e4gg-<span class=\"__11 _624\"> </span>ning, drifts- och underh\u00e5llskostnader<span class=\"__11 _625\"/>, avkastningskr<span class=\"__11 _617\"/>a<span class=\"__11 _617\"/>v och r\u00e4n<span class=\"__11 _617\"/>teniv\u00e5er<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>Det redovisade v<span class=\"__11 _617\"/>\u00e4rdet p\u00e5 f<span class=\"__11 _617\"/>\u00f6rvaltningsfas<span class=\"__11 _617\"/>tigheter uppgick <span class=\"__11 _624\">vid \u00e5rets slut till 3 146 mn eur</span><span class=\"__11 _617\"/>o (2 366 mn euro).<span class=\"__11 _624\"> </span>F\u00f6rval<span class=\"__11 _617\"/>tningsf<span class=\"__11 _617\"/>astigheter<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _8c_3\"> </span>31 dec 2022<span class=\"__11 _8d_3\"> </span>31 dec 2021<span class=\"__11 _624\"> </span>Redovisat v<span class=\"__11 _617\"/>\u00e4rde vid \u00e5rets b\u00f6rjan<span class=\"__11 _732\"> </span><span class=\"ls0_11 ws0_11\">1 764<span class=\"__11 _5a_3\"> </span></span>1 535<span class=\"__11 _624\"> </span>Ink\u00f6p<span class=\"__11 _733\"> </span>735<span class=\"__11 _684\"> </span>280<span class=\"__11 _624\"> </span>F\u00f6rs\u00e4ljningar<span class=\"__11 _662\"> </span>-9<span class=\"__11 _a7_4\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _624\"> </span></span>Justeringar till verkligt v<span class=\"__11 _617\"/>\u00e4rde<span class=\"__11 _734\"> </span><span class=\"ls0_11 ws0_11\">57<span class=\"__11 _692\"> </span></span>133<span class=\"__11 _624\"> </span>\u00d6verf\u00f6ringar<span class=\"__11 _617\"/>/<span class=\"__11 _617\"/>omklassi\ufb01ceringar<span class=\"__11 _677\"> </span><span class=\"ls0_11 ws0_11\">-12<span class=\"__11 _648\"> </span></span>-204<span class=\"__11 _624\"> </span><span class=\"__11 _624\">Omr\u00e4kningsdiff</span><span class=\"__11 _617\"/>erenser<span class=\"__11 _681\"> </span>-80<span class=\"__11 _735\"> </span>22<span class=\"__11 _624\"> </span>Redovisa<span class=\"__11 _617\"/>t v\u00e4rde vid \u00e5rets sl<span class=\"__11 _617\"/>ut<span class=\"__11 _736\"> </span>2 455<span class=\"__11 _646\"> </span><span class=\"ls0_11 ws0_11\">1<span class=\"__11 _626\"/> 764<span class=\"__11 _624\"> </span></span>Belopp redovisade i re<span class=\"__11 _617\"/>sulta<span class=\"__11 _617\"/>tr\u00e4kningen<span class=\"__11 _624\"> </span>1<span class=\"__11 _624\"> </span>Mn euro<span class=\"__11 _11a_4\"> </span>2022<span class=\"__11 _b3_3\"> </span>2021<span class=\"__11 _624\"> </span>Justeringar till verkligt v<span class=\"__11 _617\"/><span class=\"__11 _624\">\u00e4rde2</span><span class=\"__11 _715\"> </span><span class=\"lsd_9 ws14_10\">-76<span class=\"__11 _702\"> </span><span class=\"ls0_11 ws0_11\">1<span class=\"__11 _626\"/>51<span class=\"__11 _624\"> </span></span></span>Hyresint\u00e4k<span class=\"__11 _617\"/>ter<span class=\"__11 _11b_4\"> </span>63<span class=\"__11 _694\"> </span>59<span class=\"__11 _624\"> </span>Direkta r<span class=\"__11 _617\"/>\u00f6relsekos<span class=\"__11 _617\"/>tnader som generera<span class=\"__11 _617\"/>t hyresin<span class=\"__11 _617\"/>t\u00e4kter<span class=\"__11 _a0_3\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _626\"/>8<span class=\"__11 _634\"> </span><span class=\"ls0_11 ws0_11\">-1<span class=\"__11 _626\"/>2<span class=\"__11 _624\"> </span></span></span>Direkta r<span class=\"__11 _617\"/>\u00f6relsekos<span class=\"__11 _617\"/>tnader som inte gener<span class=\"__11 _617\"/>erat hyresin<span class=\"__11 _617\"/>t\u00e4kter<span class=\"__11 _cf_3\"> </span>0<span class=\"__11 _a5_4\"> </span><span class=\"lsd_9 ws14_10\">-7<span class=\"__11 _624\"> </span></span>Summa <span class=\"__11 _11c_4\"> </span>-41<span class=\"__11 _692\"> </span>191<span class=\"__11 _624\"> </span>1)  Ing\u00e5r i \u201dNettoresultat a<span class=\"__11 _617\"/>v poster till verkligt v<span class=\"__11 _617\"/>\u00e4rde\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>2)   <span class=\"__11 _e4_3\"/>Innefattar \u00e4<span class=\"__11 _617\"/>ven justeringar till verkligt v<span class=\"__11 _617\"/>\u00e4rde av f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheter som redovisas som \u201dTillg\u00e5ngar och inl\u00e5ning i placeringsportf\u00f6ljer och fondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal\u201d i balansr\u00e4kningen.<span class=\"__11 _624\"> </span>Klassi\ufb01cering enligt hierarkin f<span class=\"__11 _617\"/>\u00f6r verkligt v<span class=\"__11 _617\"/>\u00e4rde<span class=\"__11 _624\"> </span>Alla f\u00f6rvaltningsf<span class=\"__11 _617\"/>astighet<span class=\"__11 _617\"/>er i Nordea h\u00e4nf<span class=\"__11 _617\"/>\u00f6rs till niv\u00e5 3 i hie-<span class=\"__11 _624\"> </span>rarkin f<span class=\"__11 _617\"/>\u00f6r verkligt v\u00e4r<span class=\"__11 _617\"/>de. Det verkliga v\u00e4r<span class=\"__11 _617\"/>det p\u00e5 dessa f\u00f6rval<span class=\"__11 _617\"/>t-<span class=\"__11 _624\"> </span>ningsfas<span class=\"__11 _617\"/>tigheter redovisas i t<span class=\"__11 _617\"/>abellen nedan.<span class=\"__11 _624\"> </span>Niv\u00e5 3 \u2013 V<span class=\"__11 _617\"/>erkligt v\u00e4rde p\u00e5 f\u00f6rvaltningsf<span class=\"__11 _617\"/><span class=\"__11 _624\">astigheter1, mn euro  </span>31 dec 2022<span class=\"__11 _624\"> </span>31 dec 2021<span class=\"__11 _624\"> </span>F\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheter<span class=\"__11 _11d_4\"> </span>2 455<span class=\"__11 _6c_3\"> </span><span class=\"ls0_11 ws0_11\">1<span class=\"__11 _626\"/> 764<span class=\"__11 _624\"> </span></span>- vara<span class=\"__11 _617\"/>v Life &amp; P<span class=\"__11 _617\"/>ension<span class=\"__11 _11e_4\"> </span>2 454<span class=\"__11 _692\"> </span>1 763<span class=\"__11 _624\"> </span>F\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheter i placeringsportf\u00f6ljer och fondf<span class=\"__11 _617\"/><span class=\"__11 _624\">\u00f6rs\u00e4kringsavtal2</span><span class=\"__11 _711\"> </span>691<span class=\"__11 _727\"> </span>602<span class=\"__11 _624\"> </span>- vara<span class=\"__11 _617\"/>v Life &amp; P<span class=\"__11 _617\"/>ension<span class=\"__11 _688\"> </span>691<span class=\"__11 _a7_4\"> </span>602<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _10d_3\"> </span>3 146<span class=\"__11 _684\"> </span>2 366<span class=\"__11 _624\"> </span>1)  Samtliga poster v\u00e4r<span class=\"__11 _617\"/>deras till verkligt v\u00e4r<span class=\"__11 _617\"/>de vid slutet av v<span class=\"__11 _617\"/>arje rapportperiod.<span class=\"__11 _624\"> </span>2) F\u00f6r ytterligare in<span class=\"__11 _617\"/>formation, s<span class=\"__11 _617\"/>e not K3.<span class=\"__11 _617\"/>11 \u201dTillg\u00e5ngar och inl\u00e5ning i placeringsportf<span class=\"__11 _617\"/>\u00f6ljer och fondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>F<span class=\"__11 _617\"/>astst\u00e4llande a<span class=\"__11 _625\"/>v verkligt v\u00e4rde<span class=\"__11 _624\"> </span>Vid v\u00e4rderingen a<span class=\"__11 _617\"/>v f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheterna tas ocks\u00e5 h\u00e4n-<span class=\"__11 _624\"> </span>syn till fas<span class=\"__11 _617\"/>tighetens syfte och art genom att till\u00e4mpa den l\u00e4mpligaste v<span class=\"__11 _617\"/>\u00e4rderingsmetoden. Den vanligas<span class=\"__11 _617\"/>te v\u00e4r<span class=\"__11 _617\"/>derings-<span class=\"__11 _624\"> </span>metoden \u00e4r en modell f\u00f6r disk<span class=\"__11 _617\"/>ont<span class=\"__11 _617\"/>erat kassa<span class=\"__11 _617\"/>fl\u00f6de som anv<span class=\"__11 _617\"/>\u00e4n-<span class=\"__11 _624\"> </span>der aktuella kassa<span class=\"__11 _617\"/>fl\u00f6den, marknadsr\u00e4n<span class=\"__11 _617\"/>tor och aktuell a<span class=\"__11 _625\"/>vkast-<span class=\"__11 _624\"> </span>ning. V<span class=\"__11 _617\"/>erkligt v\u00e4r<span class=\"__11 _617\"/>de ber\u00e4knas a<span class=\"__11 _617\"/>v<span class=\"__11 _625\"/>, eller parametrarna i model-<span class=\"__11 _624\"> </span>lerna erh\u00e5lls fr\u00e5n, e<span class=\"__11 _617\"/>xterna ober<span class=\"__11 _617\"/>oende v\u00e4rderingspersoner f<span class=\"__11 _617\"/>\u00f6r 7<span class=\"__11 _625\"/><span class=\"__11 _624\">4 procent (84 procen</span><span class=\"__11 _617\"/>t) a<span class=\"__11 _617\"/>v det verkliga v<span class=\"__11 _617\"/>\u00e4rdet f<span class=\"__11 _617\"/>\u00f6r f\u00f6rval<span class=\"__11 _617\"/>t-<span class=\"__11 _624\"> </span>ningsfas<span class=\"__11 _617\"/>tigheter i balansr\u00e4kningen.<span class=\"__11 _624\"> </span>F<span class=\"__11 _617\"/>\u00f6r\u00e4ndringar i niv\u00e5 3<span class=\"__11 _624\"> </span>T<span class=\"__11 _625\"/>abellerna nedan visar f\u00f6r<span class=\"__11 _617\"/>\u00e4ndringar i niv\u00e5 3. Orealiser<span class=\"__11 _617\"/>ade vin-<span class=\"__11 _624\"> </span>ster och f<span class=\"__11 _617\"/>\u00f6rlust<span class=\"__11 _617\"/>er avs<span class=\"__11 _617\"/>er de f\u00f6rvaltningsf<span class=\"__11 _617\"/>as<span class=\"__11 _617\"/>tigheter som inne-<span class=\"__11 _624\"> </span>hades vid utg\u00e5ngen a<span class=\"__11 _617\"/>v \u00e5ret. Vinster och f<span class=\"__11 _617\"/>\u00f6rluster r<span class=\"__11 _617\"/>edovisade i resulta<span class=\"__11 _617\"/>tr\u00e4kningen under \u00e5ret ing\u00e5r i  <span class=\"__11 _eb_3\"/>post<span class=\"__11 _617\"/>en \u201dNettoresul<span class=\"__11 _617\"/>tat a<span class=\"__11 _617\"/>v poster till verkligt v<span class=\"__11 _617\"/>\u00e4rde\u201d (se no<span class=\"__11 _617\"/>t K2.4 \u201dSumma nettoresul<span class=\"__11 _617\"/>tat av pos<span class=\"__11 _617\"/>ter till verkligt v<span class=\"__11 _617\"/>\u00e4rde\u201d).<span class=\"__11 _624\"> </span>Vinster och f\u00f6rl<span class=\"__11 _617\"/>uster<span class=\"__11 _624\"> </span> som redovisats  i resulta<span class=\"__11 _617\"/>tr\u00e4kningen<span class=\"__11 _624\"> </span> under \u00e5ret<span class=\"__11 _624\"> </span>2022, mn euro<span class=\"__11 _624\"> </span>1 jan<span class=\"__11 _624\"> </span> 2022<span class=\"__11 _624\"> </span>Rea-<span class=\"ls1_11 ws3_10\"> </span>liserade<span class=\"__11 _624\"> </span> Orea-<span class=\"__11 _624\"> </span> liserade<span class=\"__11 _624\"> </span> Redo-<span class=\"__11 _624\"> </span> visat <span class=\"__11 _e4_3\"/> i \u00f6vrigt<span class=\"__11 _624\"> </span> total-<span class=\"__11 _624\"> </span>resulta<span class=\"__11 _617\"/>t<span class=\"__11 _624\"> </span>K\u00f6p/<span class=\"__11 _624\"> </span>emissioner<span class=\"__11 _624\"> </span>F\u00f6rs\u00e4lj-<span class=\"__11 _624\"> </span> ningar<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vr\u00e4k<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>ningar<span class=\"__11 _617\"/>/ <span class=\"__11 _e4_3\"/> likvider<span class=\"__11 _624\"> </span>Omklassi-<span class=\"__11 _624\"> </span> <span class=\"__11 _624\">\ufb01ceringar2<span class=\"__11 _624\"> </span></span>Om-<span class=\"__11 _624\"> </span> r\u00e4knings-<span class=\"__11 _624\"> </span><span class=\"__11 _624\">diffe-<span class=\"__11 _624\"> </span></span> renser<span class=\"__11 _624\"> </span>31 dec<span class=\"__11 _624\"> </span> 2022<span class=\"__11 _624\"> </span>F\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheter<span class=\"__11 _d3_3\"> </span><span class=\"ls0_11 ws0_11\">1 76<span class=\"__11 _626\"/>4<span class=\"__11 _2b_5\"> </span></span>-38<span class=\"__11 _a7_4\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _6a_3\"> </span></span>\u2013<span class=\"__11 _6c_3\"> </span>904<span class=\"__11 _656\"> </span>-9<span class=\"__11 _684\"> </span>\u2013<span class=\"__11 _6d_3\"> </span>-104<span class=\"__11 _641\"> </span>-60<span class=\"__11 _742\"> </span>2 455<span class=\"__11 _624\"> </span>- vara<span class=\"__11 _617\"/>v Life &amp; P<span class=\"__11 _617\"/>ension<span class=\"__11 _673\"> </span>1 763<span class=\"__11 _2b_5\"> </span>-38<span class=\"__11 _a7_4\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _6a_3\"> </span></span>\u2013<span class=\"__11 _6c_3\"> </span>904<span class=\"__11 _656\"> </span>-9<span class=\"__11 _684\"> </span>\u2013<span class=\"__11 _6d_3\"> </span>-104<span class=\"__11 _641\"> </span>-60<span class=\"__11 _743\"> </span>2 454<span class=\"__11 _624\"> </span>F\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheter i<span class=\"__11 _624\"> </span> placeringsportf\u00f6ljer och<span class=\"__11 _624\"> </span> fondf<span class=\"__11 _617\"/><span class=\"__11 _624\">\u00f6rs\u00e4kringsavtal1</span><span class=\"__11 _676\"> </span>602<span class=\"__11 _691\"> </span><span class=\"ls0_11 ws0_11\">-18<span class=\"__11 _a5_4\"> </span><span class=\"lsd_9 ws14_10\">-7<span class=\"__11 _6a_3\"> </span></span></span>\u2013<span class=\"__11 _b5_4\"> </span>45<span class=\"__11 _6a_3\"> </span>\u2013<span class=\"__11 _684\"> </span>\u2013<span class=\"__11 _8a_3\"> </span>80<span class=\"__11 _a5_4\"> </span><span class=\"ls0_11 ws0_11\">-11<span class=\"__11 _4f_3\"> </span></span>691<span class=\"__11 _624\"> </span>- vara<span class=\"__11 _617\"/>v Life &amp; P<span class=\"__11 _617\"/>ension<span class=\"__11 _744\"> </span>602<span class=\"__11 _712\"> </span><span class=\"ls0_11 ws0_11\">-18<span class=\"__11 _a5_4\"> </span><span class=\"lsd_9 ws14_10\">-7<span class=\"__11 _6a_3\"> </span></span></span>\u2013<span class=\"__11 _b5_4\"> </span>45<span class=\"__11 _6a_3\"> </span>\u2013<span class=\"__11 _6a_3\"> </span>\u2013<span class=\"__11 _745\"> </span>80<span class=\"__11 _a5_4\"> </span><span class=\"ls0_11 ws0_11\">-11<span class=\"__11 _746\"> </span></span>691<span class=\"__11 _624\"> </span>Vinster och f\u00f6rl<span class=\"__11 _617\"/>uster<span class=\"__11 _624\"> </span> som redovisats  i resulta<span class=\"__11 _617\"/>tr\u00e4kningen<span class=\"__11 _624\"> </span> under \u00e5ret<span class=\"__11 _624\"> </span>Redo-<span class=\"__11 _624\"> </span> visat <span class=\"__11 _e4_3\"/> i \u00f6vrigt<span class=\"__11 _624\"> </span> total-<span class=\"__11 _624\"> </span>resulta<span class=\"__11 _617\"/>t<span class=\"__11 _11f_4\"/>2021, mn euro<span class=\"__11 _624\"> </span>1 jan<span class=\"__11 _624\"> </span> 2021<span class=\"__11 _624\"> </span>Rea-<span class=\"ls1_11 ws3_10\"> </span>liserade<span class=\"__11 _624\"> </span> Orea-<span class=\"__11 _624\"> </span> liserade<span class=\"__11 _624\"> </span> K\u00f6p/<span class=\"__11 _624\"> </span>emissioner<span class=\"__11 _624\"> </span>F\u00f6rs\u00e4lj-<span class=\"__11 _624\"> </span> ningar<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vr\u00e4k<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>ningar<span class=\"__11 _617\"/>/ <span class=\"__11 _e4_3\"/> likvider<span class=\"__11 _624\"> </span>Omklassi-<span class=\"__11 _624\"> </span> <span class=\"__11 _624\">\ufb01ceringar2<span class=\"__11 _624\"> </span></span>Om-<span class=\"__11 _624\"> </span> r\u00e4knings-<span class=\"__11 _624\"> </span><span class=\"__11 _624\">diffe-<span class=\"__11 _624\"> </span></span> renser<span class=\"__11 _624\"> </span>31 dec<span class=\"__11 _624\"> </span> 2021<span class=\"__11 _624\"> </span>F\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheter<span class=\"__11 _737\"> </span>1 535<span class=\"__11 _3b_5\"> </span>120<span class=\"__11 _b1_3\"> </span>1<span class=\"__11 _6a_3\"> </span>\u2013<span class=\"__11 _713\"> </span>293<span class=\"__11 _738\"> </span><span class=\"ls6_10 ws8_10\">-2<span class=\"__11 _6a_3\"> </span></span>\u2013<span class=\"__11 _671\"> </span>-205<span class=\"__11 _709\"> </span>22<span class=\"__11 _669\"> </span><span class=\"ls0_11 ws0_11\">1 76<span class=\"__11 _626\"/>4<span class=\"__11 _624\"> </span></span>- vara<span class=\"__11 _617\"/>v Life &amp; P<span class=\"__11 _617\"/>ension<span class=\"__11 _673\"> </span>1 534<span class=\"__11 _3b_5\"> </span>120<span class=\"__11 _d9_3\"> </span>1<span class=\"__11 _6a_3\"> </span>\u2013<span class=\"__11 _713\"> </span>292<span class=\"__11 _6a_3\"> </span>\u2013<span class=\"__11 _6a_3\"> </span>\u2013<span class=\"__11 _671\"> </span>-205<span class=\"__11 _686\"> </span>21<span class=\"__11 _739\"> </span>1 763<span class=\"__11 _624\"> </span>F\u00f6rvaltningsf<span class=\"__11 _617\"/>astigheter i<span class=\"__11 _624\"> </span> placeringsportf\u00f6ljer och<span class=\"__11 _624\"> </span> fondf<span class=\"__11 _617\"/><span class=\"__11 _624\">\u00f6rs\u00e4kringsavtal1</span><span class=\"__11 _732\"> </span>361<span class=\"__11 _653\"> </span>13<span class=\"__11 _735\"> </span>18<span class=\"__11 _6a_3\"> </span>\u2013<span class=\"__11 _e_10\"> </span>8<span class=\"__11 _684\"> </span>\u2013<span class=\"__11 _6a_3\"> </span>\u2013<span class=\"__11 _650\"> </span>203<span class=\"__11 _b1_3\"> </span><span class=\"ls0_11 ws0_11\">-1<span class=\"__11 _5e_3\"> </span></span>602<span class=\"__11 _624\"> </span>- vara<span class=\"__11 _617\"/>v Life &amp; P<span class=\"__11 _617\"/>ension<span class=\"__11 _740\"> </span>361<span class=\"__11 _653\"> </span>13<span class=\"__11 _661\"> </span>18<span class=\"__11 _6a_3\"> </span>\u2013<span class=\"__11 _741\"> </span>8<span class=\"__11 _6a_3\"> </span>\u2013<span class=\"__11 _684\"> </span>\u2013<span class=\"__11 _650\"> </span>203<span class=\"__11 _741\"> </span><span class=\"ls0_11 ws0_11\">-1<span class=\"__11 _5e_3\"> </span></span>602<span class=\"__11 _624\"> </span>1)  F\u00f6r ytterligare in<span class=\"__11 _617\"/>formation, se no<span class=\"__11 _617\"/>t K3.<span class=\"__11 _617\"/>11 \u201dTillg\u00e5ngar och inl\u00e5ning i placeringsportf\u00f6ljer och f<span class=\"__11 _617\"/>ondf\u00f6rs\u00e4kringsa<span class=\"__11 _617\"/>vtal\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>2)  Omklassi\ufb01cering fr\u00e5n/till balansr\u00e4kningsr<span class=\"__11 _617\"/>aden \u201dMateriella tillg\u00e5ngar\u201d (se not K5.2 \u201dMateriella tillg\u00e5ngar<span class=\"__11 _626\"/>\u201d) p\u00e5 grund av f\u00f6r<span class=\"__11 _617\"/>\u00e4ndrad anv\u00e4ndning a<span class=\"__11 _617\"/>v fas<span class=\"__11 _617\"/>tigheter<span class=\"__11 _617\"/>.<span class=\"__11 _624\"> </span>Processen f<span class=\"__11 _617\"/>\u00f6r v\u00e4r<span class=\"__11 _617\"/>dering till verkligt v<span class=\"__11 _617\"/>\u00e4rde<span class=\"__11 _624\"> </span> Huvuddelen av f<span class=\"__11 _617\"/>\u00f6rvaltningsf<span class=\"__11 _617\"/>astighet<span class=\"__11 _617\"/>erna i Nordea innehas a<span class=\"__11 _617\"/>v<span class=\"__11 _624\"> </span> Life &amp; P<span class=\"__11 _617\"/>ension. F<span class=\"__11 _617\"/>\u00f6rvaltningsfas<span class=\"__11 _617\"/>tigheterna v\u00e4r<span class=\"__11 _617\"/>deras en g\u00e5ng i<span class=\"__11 _624\"> </span> kvartalet av f<span class=\"__11 _617\"/>as<span class=\"__11 _617\"/>tighetsav<span class=\"__11 _617\"/>delningarna i respek<span class=\"__11 _617\"/>tive bolag inom<span class=\"__11 _624\"> </span> Life &amp; P<span class=\"__11 _617\"/>ension, och arbetet utf<span class=\"__11 _617\"/>\u00f6rs helt eller delvis a<span class=\"__11 _617\"/>v e<span class=\"__11 _617\"/>xterna<span class=\"__11 _624\"> </span> v\u00e4rder<span class=\"__11 _617\"/>are. F<span class=\"__11 _617\"/>\u00f6r f\u00f6rval<span class=\"__11 _617\"/>tningsfas<span class=\"__11 _617\"/>tigheter d\u00e4r a<span class=\"__11 _617\"/>vdelningarna<span class=\"__11 _624\"> </span> anv\u00e4nder sig a<span class=\"__11 _617\"/>v sina egna metoder<span class=\"__11 _625\"/>, j\u00e4mf<span class=\"__11 _617\"/>\u00f6rs fastighet<span class=\"__11 _617\"/>ernas<span class=\"__11 _624\"> </span> v\u00e4rdef<span class=\"__11 _617\"/>\u00f6r\u00e4ndringar med v<span class=\"__11 _617\"/>\u00e4rderingar gjorda f<span class=\"__11 _617\"/>\u00f6r liknande f<span class=\"__11 _617\"/>ast-<span class=\"__11 _624\"> </span>igheter a<span class=\"__11 _617\"/>v ext<span class=\"__11 _617\"/>erna v\u00e4rder<span class=\"__11 _617\"/>are. V<span class=\"__11 _625\"/>\u00e4rderingen presenter<span class=\"__11 _617\"/>as f\u00f6r<span class=\"__11 _625\"/>,<span class=\"__11 _624\"> </span> och godk\u00e4nns av<span class=\"__11 _625\"/>, ledningen i respek<span class=\"__11 _617\"/>tive bolag. Finansdirek<span class=\"__11 _617\"/>t\u00f6-<span class=\"__11 _624\"> </span>ren i vart och ett a<span class=\"__11 _617\"/>v bolagen inom Life &amp; P<span class=\"__11 _617\"/>ension godk\u00e4nner<span class=\"__11 _624\"> </span> de till\u00e4mpade metoderna och ansvar<span class=\"__11 _617\"/>ar f\u00f6r de v<span class=\"__11 _617\"/>\u00e4rden som<span class=\"__11 _624\"> </span> anv\u00e4nds. Principerna som till\u00e4mpas i sam<span class=\"__11 _617\"/>tliga bolag \u00f6v<span class=\"__11 _617\"/>erens-<span class=\"__11 _624\"> </span>st\u00e4mmer med de nationella tillsynsm<span class=\"__11 _617\"/>yndigheternas best<span class=\"__11 _617\"/>\u00e4m-<span class=\"__11 _624\"> </span>melser<span class=\"__11 _625\"/>, som i sin tur \u00f6verensst\u00e4mmer med in<span class=\"__11 _617\"/>ternationella v<span class=\"__11 _617\"/>\u00e4r-<span class=\"__11 _624\"> </span>deringsprinciper och IFRS.<span class=\"__11 _624\"> </span>Dessutom \ufb01nns en Inv<span class=\"__11 _617\"/>estmen<span class=\"__11 _617\"/>t Operation Committ<span class=\"__11 _617\"/>ee (IOC),<span class=\"__11 _624\"> </span> som \u00e4r ett gemensamt f<span class=\"__11 _617\"/>orum f<span class=\"__11 _617\"/>\u00f6r fr\u00e5gor s<span class=\"__11 _617\"/>om r\u00f6r v\u00e4r<span class=\"__11 _617\"/>dering och<span class=\"__11 _624\"> </span> redovisning a<span class=\"__11 _617\"/>v inv<span class=\"__11 _617\"/>esteringsv<span class=\"__11 _617\"/>erksamheten i Lif<span class=\"__11 _617\"/>e &amp; Pension.<span class=\"__11 _624\"> </span> Bolagen inom Life &amp; P<span class=\"__11 _617\"/>ension rapporterar r<span class=\"__11 _617\"/>egelbundet till IOC.<span class=\"__11 _624\"> </span> F\u00f6rvaltningsf<span class=\"__11 _617\"/>as<span class=\"__11 _617\"/>tigheterna i Life &amp; P<span class=\"__11 _617\"/>ension funger<span class=\"__11 _617\"/>ar som<span class=\"__11 _624\"> </span> skuldt\u00e4ckning gen<span class=\"__11 _617\"/>temot f<span class=\"__11 _617\"/>\u00f6rs\u00e4kringstagarna i liv- och f<span class=\"__11 _617\"/>ondf<span class=\"__11 _617\"/>\u00f6r-<span class=\"__11 _624\"> </span>s\u00e4kringsavtal sam<span class=\"__11 _617\"/>t i \ufb01nansiella a<span class=\"__11 _617\"/><span class=\"__11 _624\">vtal. Det inneb\u00e4r att eff</span><span class=\"__11 _617\"/>ekt<span class=\"__11 _617\"/>en<span class=\"__11 _624\"> </span> p\u00e5 Nordeas result<span class=\"__11 _617\"/>atr\u00e4kning och eget kapit<span class=\"__11 _617\"/>al beror p\u00e5 resul<span class=\"__11 _617\"/>-<span class=\"__11 _624\"> </span>tatstruk<span class=\"__11 _617\"/>turen i de portf<span class=\"__11 _617\"/>\u00f6ljer med kontr<span class=\"__11 _617\"/>ak<span class=\"__11 _617\"/>t som inves<span class=\"__11 _617\"/>tering-<span class=\"__11 _624\"> </span>arna st\u00e5r mot.<span class=\"__11 _624\"> </span>V<span class=\"__11 _617\"/>\u00e4rderingsmetoder och inda<span class=\"__11 _617\"/>ta som anv<span class=\"__11 _617\"/>\u00e4nds vid v\u00e4rderingen till v<span class=\"__11 _617\"/>erkligt v\u00e4rde i niv<span class=\"__11 _617\"/>\u00e5 3<span class=\"__11 _624\"> </span>31 dec 2022,  mn euro<span class=\"__11 _624\"> </span>V<span class=\"__11 _617\"/>erkligt<span class=\"__11 _624\"> </span> <span class=\"__11 _624\">v\u00e4rde1<span class=\"__11 _624\"> </span></span>V<span class=\"__11 _617\"/>ara<span class=\"__11 _617\"/>v Life &amp;<span class=\"__11 _624\"> </span> Pension<span class=\"__11 _8d_3\"> </span><span class=\"ws20_8\"> V<span class=\"__11 _617\"/>\u00e4rderingmetoder<span class=\"__11 _e7_3\"> </span><span class=\"ws3_10\">Ej observerbara indata<span class=\"__11 _624\"> </span></span></span>Intervall f<span class=\"__11 _617\"/>\u00f6r ej<span class=\"__11 _624\"> </span> observerbara data  V\u00e4gt genomsnitt f<span class=\"__11 _617\"/>\u00f6r ej<span class=\"__11 _624\"> </span> observerbara data<span class=\"__11 _624\"> </span> Norge<span class=\"__11 _705\"> </span>946<span class=\"__11 _727\"> </span>946<span class=\"__11 _5b_3\"> </span>Diskonter<span class=\"__11 _617\"/>ade kassafl\u00f6den<span class=\"__11 _7c_3\"> </span>Marknadshyra<span class=\"__11 _624\"> </span>- Kommersiella<span class=\"__11 _a8_4\"> </span>119<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11\">138 EUR/m<span class=\"__11 _624\"> </span></span>2<span class=\"__11 _624\"> </span>122 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _cd_3\"> </span>111<span class=\"fs5_10\">\u2013</span><span class=\"__11 _624\">405 EUR/m2</span><span class=\"__11 _b7_4\"> </span>240 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>- \u00d6vriga<span class=\"__11 _624\"> </span>119\u2013<span class=\"fs0_11\"><span class=\"__11 _624\">390 EUR/m2</span><span class=\"__11 _e1_3\"> </span>309 EUR/m<span class=\"__11 _624\"> </span></span>2<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vkastningskr<span class=\"__11 _617\"/>av<span class=\"__11 _624\"> </span>- Kommersiella<span class=\"__11 _12a_2\"> </span>6,00 %\u2013<span class=\"fs0_11\">6,00 %<span class=\"__11 _731\"> </span>6,0 %<span class=\"__11 _624\"> </span></span>- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _624\"> </span>3,75 %\u2013<span class=\"fs0_11\">6,00 %<span class=\"__11 _12b_2\"> </span>4,5 %<span class=\"__11 _624\"> </span></span>- \u00d6vriga<span class=\"__11 _12c_2\"> </span>3,75 %\u2013<span class=\"fs0_11\">6,00 %<span class=\"__11 _731\"> </span>4,0 %<span class=\"__11 _624\"> </span></span><span class=\"__11 _624\">Finland2</span><span class=\"__11 _c9_4\"> </span>1 054<span class=\"__11 _653\"> </span>1  054<span class=\"__11 _5b_3\"> </span>Diskonterade kassafl\u00f6den<span class=\"__11 _7c_3\"> </span>Marknadshyra<span class=\"__11 _624\"> </span>- Kommersiella<span class=\"__11 _1d_7\"> </span>138<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11\">285 EUR/m<span class=\"__11 _624\"> </span></span>2<span class=\"__11 _624\"> </span>212 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _12d_2\"> </span>123<span class=\"fs5_10\">\u2013</span>528 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>326 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>- L\u00e4genheter<span class=\"__11 _ab_3\"> </span>192<span class=\"fs5_10\">\u2013</span>294 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>243 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>- \u00d6vriga<span class=\"__11 _ce_4\"> </span>100<span class=\"fs5_10\">\u2013</span>264 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>182 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vkastningskr<span class=\"__11 _617\"/>av<span class=\"__11 _624\"> </span>- Kommersiella<span class=\"__11 _639\"> </span>4,50 %<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11\">7<span class=\"__11 _625\"/>,00 %<span class=\"__11 _12b_2\"> </span>5,9 %<span class=\"__11 _624\"> </span></span>- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _705\"> </span>3,40 %<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11\">10,50 %<span class=\"__11 _12e_2\"> </span>7<span class=\"__11 _625\"/>,0 %<span class=\"__11 _624\"> </span></span>- L\u00e4genheter<span class=\"__11 _4c_3\"> </span>3,<span class=\"__11 _617\"/>15 %\u2013<span class=\"fs0_11\">4,75 %<span class=\"__11 _731\"> </span>4,0 %<span class=\"__11 _624\"> </span></span>- \u00d6vriga<span class=\"__11 _12f_2\"> </span>4,50 %\u2013<span class=\"fs0_11\">8,50 %<span class=\"__11 _12b_2\"> </span>6,5 %<span class=\"__11 _624\"> </span></span>Sverige<span class=\"__11 _c8_4\"> </span>333<span class=\"__11 _a5_4\"> </span>333<span class=\"__11 _5b_3\"> </span>Diskonter<span class=\"__11 _617\"/>ade kassafl\u00f6den<span class=\"__11 _7c_3\"> </span>Marknadshyra<span class=\"__11 _624\"> </span>- Kommersiella<span class=\"__11 _696\"> </span>70<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11\">205 EUR/m<span class=\"__11 _624\"> </span></span>2<span class=\"__11 _624\"> </span>118 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _c8_4\"> </span><span class=\"ls9_10 wse_10\">252</span><span class=\"fs5_10\">\u2013</span>317 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>276 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>- L\u00e4genheter<span class=\"__11 _747\"> </span><span class=\"ls0_11 ws0_11\">173<span class=\"__11 _626\"/></span><span class=\"fs5_10\">\u2013</span>179 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>176 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vkastningskr<span class=\"__11 _617\"/>av<span class=\"__11 _624\"> </span>- Kommersiella<span class=\"__11 _747\"> </span>4,50 %<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11\">6,<span class=\"__11 _617\"/>15 %<span class=\"__11 _12b_2\"> </span>5,2 %<span class=\"__11 _624\"> </span></span>- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _748\"> </span>4,05 %\u2013<span class=\"fs0_11\">4,90 %<span class=\"__11 _12b_2\"> </span>4,5 %<span class=\"__11 _624\"> </span></span>- L\u00e4genheter<span class=\"__11 _d3_3\"> </span>3,80 %\u2013<span class=\"fs0_11\">3,91 %<span class=\"__11 _731\"> </span>3,<span class=\"__11 _626\"/>8 %<span class=\"__11 _624\"> </span></span>Danmark<span class=\"__11 _12b_2\"> </span>812<span class=\"__11 _645\"> </span>812<span class=\"__11 _4b_3\"> </span>Diskonterade kassafl\u00f6den<span class=\"__11 _7c_3\"> </span>Marknadshyra<span class=\"__11 _624\"> </span>- Kommersiella<span class=\"__11 _6f_3\"> </span>54<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11\">54 EUR/m<span class=\"__11 _624\"> </span></span>2<span class=\"__11 _624\"> </span>54 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _749\"> </span>111<span class=\"fs5_10\">\u2013</span>222 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>135 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>- L\u00e4genheter<span class=\"__11 _750\"> </span><span class=\"ls0_11 ws0_11\">141</span><span class=\"fs5_10\">\u2013</span>205 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>161 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vkastningskr<span class=\"__11 _617\"/>av<span class=\"__11 _624\"> </span>- Kommersiella<span class=\"__11 _b0_3\"> </span>7,00 %\u2013<span class=\"fs0_11\">7<span class=\"__11 _625\"/>,00 %<span class=\"__11 _12e_2\"> </span>7,0 %<span class=\"__11 _624\"> </span></span>- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _12f_2\"> </span>4,00 %<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11\">6,75 %<span class=\"__11 _731\"> </span>4,9 %<span class=\"__11 _624\"> </span></span>- L\u00e4genheter<span class=\"__11 _d3_3\"> </span>3,50 %\u2013<span class=\"fs0_11\">4,75 %<span class=\"__11 _731\"> </span>3,9 %<span class=\"__11 _624\"> </span></span>\u00d6vriga<span class=\"__11 _751\"> </span>1<span class=\"__11 _c2_4\"> </span>\u2013<span class=\"__11 _5b_3\"> </span>Diskonterade kassafl\u00f6den<span class=\"__11 _7c_3\"> </span>\u2013<span class=\"__11 _752\"> </span>\u2013<span class=\"__11 _12c_2\"> </span>\u2013<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _725\"> </span>3 146<span class=\"__11 _6c_3\"> </span>3 145<span class=\"__11 _624\"> </span>1)   <span class=\"__11 _e4_3\"/>F\u00f6rdelning baserad p\u00e5 de v<span class=\"__11 _617\"/>\u00e4rderingsmetoder som anv\u00e4nds i olik<span class=\"__11 _617\"/>a l\u00e4nder<span class=\"__11 _617\"/>.<span class=\"__11 _624\"> </span>2)   <span class=\"__11 _e4_3\"/>Var<span class=\"__11 _617\"/>av 691 mn euro r<span class=\"__11 _617\"/>elateras till tillg\u00e5ngar i placeringsportf<span class=\"__11 _617\"/>\u00f6ljer och fondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal i Lif<span class=\"__11 _617\"/>e &amp; Pension. F\u00f6r mer in<span class=\"__11 _617\"/>forma<span class=\"__11 _617\"/>tion se not K3.<span class=\"__11 _625\"/>11 \u201dTillg\u00e5ngar och inl\u00e5ning i placerings-<span class=\"__11 _624\"> </span>portf\u00f6ljer och fondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>V<span class=\"__11 _617\"/>\u00e4rderingsmetoder och inda<span class=\"__11 _617\"/>ta som anv<span class=\"__11 _617\"/>\u00e4nds vid v\u00e4rderingen till v<span class=\"__11 _617\"/>erkligt v\u00e4rde i niv<span class=\"__11 _617\"/>\u00e5 3<span class=\"__11 _624\"> </span>31 dec 2021,  mn euro<span class=\"__11 _624\"> </span>V<span class=\"__11 _617\"/>erkligt <span class=\"__11 _624\">v\u00e4rde1<span class=\"__11 _624\"> </span></span>V<span class=\"__11 _617\"/>ara<span class=\"__11 _617\"/>v Life &amp; Pension<span class=\"__11 _8d_3\"> </span><span class=\"ws20_8\"> V<span class=\"__11 _617\"/>\u00e4rderingmetoder<span class=\"__11 _e7_3\"> </span><span class=\"ws3_10\">Ej observerbara indata<span class=\"__11 _624\"> </span></span></span>Intervall f<span class=\"__11 _617\"/>\u00f6r ej observerbara data  V\u00e4gt genomsnitt f<span class=\"__11 _617\"/>\u00f6r ej observerbara data Norge<span class=\"__11 _690\"> </span>991<span class=\"__11 _a5_4\"> </span>991<span class=\"__11 _5b_3\"> </span>Diskonterade k<span class=\"__11 _617\"/>assafl\u00f6den<span class=\"__11 _7c_3\"> </span>Marknadshyra<span class=\"__11 _624\"> </span>- Kommersiella<span class=\"__11 _b9_4\"> </span>120\u2013<span class=\"fs0_11\">140 EUR/m<span class=\"__11 _624\"> </span></span>2<span class=\"__11 _624\"> </span>124 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _673\"> </span>108<span class=\"fs5_10\">\u2013</span><span class=\"__11 _624\">403 EUR/m2</span><span class=\"__11 _b7_4\"> </span>250 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>- \u00d6vriga<span class=\"__11 _624\"> </span>115\u2013<span class=\"fs0_11\"><span class=\"__11 _624\">314 EUR/m2</span><span class=\"__11 _c5_4\"> </span>229 EUR/m<span class=\"__11 _624\"> </span></span>2<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vkastningskr<span class=\"__11 _617\"/>av<span class=\"__11 _624\"> </span>- Kommersiella<span class=\"__11 _b0_3\"> </span>5,<span class=\"__11 _626\"/>25 %<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11\">5,25 %<span class=\"__11 _c9_4\"> </span>5.25 %<span class=\"__11 _624\"> </span></span>- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _624\"> </span>3,25 %\u2013<span class=\"fs0_11\">4,90 %<span class=\"__11 _731\"> </span>4,0 %<span class=\"__11 _624\"> </span></span>- \u00d6vriga<span class=\"__11 _753\"> </span>3,60 %<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11 ls11_9 ws18_9\">7,<span class=\"__11 _708\"/>2<span class=\"__11 _626\"/>5<span class=\"__11 _708\"/> %<span class=\"__11 _12b_2\"> </span></span><span class=\"fs0_11\">4,0 %<span class=\"__11 _624\"> </span></span><span class=\"__11 _624\">Finland2</span><span class=\"__11 _737\"> </span>1 041<span class=\"__11 _692\"> </span>1 041<span class=\"__11 _4b_3\"> </span>Diskonterade kassafl\u00f6den<span class=\"__11 _7c_3\"> </span>Marknadshyra<span class=\"__11 _624\"> </span>- Kommersiella<span class=\"__11 _b9_4\"> </span><span class=\"ls0_11 ws0_11\">144<span class=\"__11 _624\"> </span></span>\u2013<span class=\"fs0_11\">222 EUR/m<span class=\"__11 _624\"> </span></span>2<span class=\"__11 _624\"> </span>183 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _c8_4\"> </span>123<span class=\"fs5_10\">\u2013</span>47<span class=\"__11 _617\"/>4 EUR/<span class=\"__11 _617\"/>m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>299 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>- L\u00e4genheter<span class=\"__11 _717\"> </span>189<span class=\"fs5_10\">\u2013</span>300 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>245 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>- \u00d6vriga<span class=\"__11 _672\"> </span>98<span class=\"fs5_10\">\u2013</span>242 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>170 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vkastningskr<span class=\"__11 _617\"/>av<span class=\"__11 _624\"> </span>- Kommersiella<span class=\"__11 _754\"> </span>4,50 %<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11\">7<span class=\"__11 _625\"/>,0 %<span class=\"__11 _12b_2\"> </span>5,8 %<span class=\"__11 _624\"> </span></span>- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _690\"> </span>3,25 %<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11\">10,25 %<span class=\"__11 _731\"> </span>6,8 %<span class=\"__11 _624\"> </span></span>- L\u00e4genheter<span class=\"__11 _755\"> </span>3,0 %\u2013<span class=\"fs0_11\">4,75 %<span class=\"__11 _731\"> </span>3,9 %<span class=\"__11 _624\"> </span></span>- \u00d6vriga<span class=\"__11 _751\"> </span>4,5 %<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11 ls7_10 ws9_10\">8,25 %<span class=\"__11 _731\"> </span></span><span class=\"fs0_11\">6,4 %<span class=\"__11 _624\"> </span></span>Sverige<span class=\"__11 _c8_4\"> </span>333<span class=\"__11 _a5_4\"> </span>333<span class=\"__11 _5b_3\"> </span>Diskonter<span class=\"__11 _617\"/>ade kassafl\u00f6den<span class=\"__11 _7c_3\"> </span>Marknadshyra<span class=\"__11 _624\"> </span>- Kommersiella<span class=\"__11 _e9_4\"> </span>69<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11\">217 EUR/m<span class=\"__11 _624\"> </span></span>2<span class=\"__11 _624\"> </span>123 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _756\"> </span><span class=\"ls6_10 ws8_10\">248<span class=\"__11 _626\"/></span><span class=\"fs5_10\">\u2013</span>277 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>266 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>- L\u00e4genheter<span class=\"__11 _750\"> </span><span class=\"ls0_11 ws0_11\">178</span><span class=\"fs5_10\">\u2013</span>185 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>180 EUR/m<span class=\"__11 _624\"> </span>2<span class=\"__11 _624\"> </span>A<span class=\"__11 _617\"/>vkastningskr<span class=\"__11 _617\"/>av<span class=\"__11 _624\"> </span>- Kommersiella<span class=\"__11 _639\"> </span>4,25 %<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11\">5,85 %<span class=\"__11 _12b_2\"> </span>5,0 %<span class=\"__11 _624\"> </span></span>- Kont<span class=\"__11 _617\"/>or<span class=\"__11 _13a_2\"> </span>4,0 %<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11\">4,65 %<span class=\"__11 _731\"> </span>4,4 %<span class=\"__11 _624\"> </span></span>- L\u00e4genheter<span class=\"__11 _737\"> </span>3,51 %<span class=\"__11 _624\"> </span>\u2013<span class=\"fs0_11\">3,60 %<span class=\"__11 _12b_2\"> </span>3,6 %<span class=\"__11 _624\"> </span></span>\u00d6vriga<span class=\"__11 _751\"> </span>1<span class=\"__11 _c2_4\"> </span>\u2013<span class=\"__11 _5b_3\"> </span>Diskonterade kassafl\u00f6den<span class=\"__11 _7c_3\"> </span>\u2013<span class=\"__11 _752\"> </span>\u2013<span class=\"__11 _12c_2\"> </span>\u2013<span class=\"__11 _624\"> </span>Summa<span class=\"__11 _737\"> </span>2 366<span class=\"__11 _6a_3\"> </span>2 365<span class=\"__11 _624\"> </span>1)   <span class=\"__11 _e4_3\"/>F\u00f6rdelning baserad p\u00e5 de v<span class=\"__11 _617\"/>\u00e4rderingsmetoder som anv\u00e4nds i olik<span class=\"__11 _617\"/>a l\u00e4nder<span class=\"__11 _617\"/>.<span class=\"__11 _624\"> </span>2)   <span class=\"__11 _e4_3\"/>Var<span class=\"__11 _617\"/>av 602 mn euro r<span class=\"__11 _617\"/>elateras till tillg\u00e5ngar i placeringsportf<span class=\"__11 _617\"/>\u00f6ljer och fondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal i Lif<span class=\"__11 _617\"/>e &amp; Pension. F\u00f6r mer in<span class=\"__11 _617\"/>forma<span class=\"__11 _617\"/>tion se not K3.<span class=\"__11 _625\"/>11 \u201dTillg\u00e5ngar och inl\u00e5ning i placerings-<span class=\"__11 _624\"> </span>portf\u00f6ljer och fondf<span class=\"__11 _617\"/>\u00f6rs\u00e4kringsavtal\u201d<span class=\"__11 _625\"/>.<span class=\"__11 _624\"> </span>De v\u00e4sen<span class=\"__11 _617\"/>tliga ej observerbara indat<span class=\"__11 _617\"/>a som anv\u00e4nds n\u00e4r f\u00f6rvaltningsf<span class=\"__11 _617\"/>astighet<span class=\"__11 _617\"/>erna v\u00e4rder<span class=\"__11 _617\"/>as till verkligt v\u00e4r<span class=\"__11 _617\"/>de \u00e4r marknadshyra och a<span class=\"__11 _617\"/>vkas<span class=\"__11 _617\"/>tningskra<span class=\"__11 _617\"/>v<span class=\"__11 _625\"/>. Betydande h\u00f6jningar<span class=\"__11 _624\"> </span>(s\u00e4nkningar) av marknadsh<span class=\"__11 _617\"/>yran eller a<span class=\"__11 _617\"/>vkastningskr<span class=\"__11 _617\"/>a<span class=\"__11 _617\"/>vet skulle, isolera<span class=\"__11 _617\"/>t, resultera i en bety<span class=\"__11 _617\"/>dligt l\u00e4gre (h\u00f6gre<span class=\"__11 _617\"/>) verkligt v\u00e4rde.<span class=\"__11 _624\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentPropertyExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-681": {
   "value": "K5.3 F\u00f6rvaltningsfastigheter Redovisningsprinciper En f\u00f6rvaltningsfastighet \u00e4r en fastighet (mark eller byggnad \u2013 eller delar av byggnad \u2013 eller b\u00e5da) som innehas i syfte att generera hyresinkomster och/eller v\u00e4rdestegring, och allts\u00e5 inte f\u00f6r eget utnyttjande i den ordinarie verksamheten. F\u00f6rvaltningsfastigheter redovisas i balansr\u00e4kningen n\u00e4r det \u00e4r sannolikt att de framtida ekonomiska f\u00f6rdelarna tillfal- ler Nordea och kostnaderna f\u00f6r f\u00f6rvaltningsfastigheten kan ber\u00e4knas p\u00e5 ett tillf\u00f6rlitligt s\u00e4tt. En f\u00f6rvaltningsfastighet v\u00e4rderas vid f\u00f6rsta redovisnings- tillf\u00e4llet till anskaffningsv\u00e4rdet, inklusive transaktionskostna- der. Anskaffningsv\u00e4rdet f\u00f6r en f\u00f6rv\u00e4rvad f\u00f6rvaltningsfastighet utg\u00f6rs av k\u00f6peskilling och kostnader direkt h\u00e4nf\u00f6rliga till k\u00f6pet. Exempel p\u00e5 kostnader direkt h\u00e4nf\u00f6rliga till k\u00f6pet \u00e4r arvoden f\u00f6r juridiska tj\u00e4nster, st\u00e4mpelskatter och \u00f6vriga transaktionskostnader. Nordea anv\u00e4nder verkligt v\u00e4rde-modellen f\u00f6r v\u00e4rdering av f\u00f6rvaltningsfastigheter. B\u00e4sta beviset p\u00e5 verkligt v\u00e4rde \u00e4r normalt noterade priser p\u00e5 en aktiv marknad f\u00f6r liknande fastigheter med samma l\u00e4ge och i samma skick. D\u00e5 noterade priser p\u00e5 en aktiv marknad oftast saknas, anv\u00e4nds \u00e4ven modeller baserade p\u00e5 diskonterade kassafl\u00f6desprognoser som bygger p\u00e5 tillf\u00f6rlitliga uppskattningar av framtida kassa- fl\u00f6den. V\u00e4rderingen till verkligt v\u00e4rde av f\u00f6rvaltningsfastighe- ter tar h\u00e4nsyn till en marknadsakt\u00f6rs f\u00f6rm\u00e5ga att generera ekonomiska f\u00f6rdelar genom att anv\u00e4nda f\u00f6rvaltningsfastig- heterna p\u00e5 det maximala och b\u00e4sta s\u00e4ttet, det vill s\u00e4ga tar h\u00e4nsyn till den anv\u00e4ndning av f\u00f6rvaltningsfastigheterna som \u00e4r fysiskt m\u00f6jlig, lagligen till\u00e5ten och \ufb01nansiellt genomf\u00f6rbar. Driftsnetto, reavinster och reaf\u00f6rluster liksom justeringar till verkligt v\u00e4rde redovisas direkt i resultatr\u00e4kningen som \u201dNettoresultat av poster till verkligt v\u00e4rde\u201d. F\u00f6rvaltningsfastigheter v\u00e4rderas till verkligt v\u00e4rde utifr\u00e5n de tre niv\u00e5erna i IFRS-hierarkin f\u00f6r verkligt v\u00e4rde. Hierarkin ger h\u00f6gst prioritet till noterade priser (ojusterade) p\u00e5 aktiva marknader f\u00f6r identiska f\u00f6rvaltningsfastigheter (niv\u00e5 1) och l\u00e4gst prioritet till ej observerbar indata (niv\u00e5 3). Klassi\ufb01ce- ringen av f\u00f6rvaltningsfastigheterna baseras p\u00e5 den l\u00e4gsta niv\u00e5 indata som \u00e4r v\u00e4sentlig f\u00f6r verkligt v\u00e4rde-v\u00e4rderingen i sin helhet. F\u00f6r ytterligare information om uppskattning av verkligt v\u00e4rde och verkligt v\u00e4rde-hierarkin, se not K3.4 \u201dVerkligt v\u00e4rde\u201d. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentPropertyExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-682": {
   "value": "K5.4 Leasing Redovisningsprinciper Ett leasingavtal \u00e4r ett avtal som \u00f6verl\u00e5ter r\u00e4tten att under en viss tid best\u00e4mma \u00f6ver anv\u00e4ndningen av en identi\ufb01erad till- g\u00e5ng i utbyte mot ers\u00e4ttning. Nordea som leasegivare Finansiell leasing redovisas som en fordran p\u00e5 leasetagaren och ing\u00e5r i \u201dUtl\u00e5ning till allm\u00e4nheten\u201d (se not K3.7 \u201dUtl\u00e5ning\u201d) med ett belopp som motsvarar nettoinvesteringen enligt lea- singavtalet. Leasingavgiften, exklusive kostnad f\u00f6r service, redovisas som \u00e5terbetalning av fordran och som r\u00e4nteint\u00e4kt. Int\u00e4kten f\u00f6rdelas s\u00e5 att en j\u00e4mn f\u00f6rr\u00e4ntning erh\u00e5lls p\u00e5 under varje period redovisad nettoinvestering. Nordea som leasetagare N\u00e4r ett avtal ing\u00e5s g\u00f6r Nordea en bed\u00f6mning av om det \u00e4r eller inneh\u00e5ller ett leasingavtal. R\u00e4tten att anv\u00e4nda en tillg\u00e5ng i ett leasingavtal redovisas vid inledningsdatumet som en nyttjander\u00e4tt och skyldigheten att betala leasingavgifterna redovisas som en leasingskuld. Nyttjander\u00e4tten v\u00e4rderas som nuv\u00e4rdet av leasingavgifterna, plus initiala direkta kostnader och kostnader f\u00f6r skyldigheten att underh\u00e5lla tillg\u00e5ngen minus eventuella f\u00f6rm\u00e5ner som mottagits i samband med leasingavtalet. Icke-leasingkompo- nenter s\u00e4rskiljs. Som diskonteringsr\u00e4nta f\u00f6r att ber\u00e4kna lea- singskulden f\u00f6r varje avtal anv\u00e4nds den marginella l\u00e5ner\u00e4n- tan vid avtalets inledningsdatum. F\u00f6r betydande leasingavtal g\u00e4llande lokaler/fastigheter kan avtalets implicita r\u00e4nta anv\u00e4ndas, om den \u00e4r tillg\u00e4nglig. Nyttjander\u00e4tter redovisas p\u00e5 samma s\u00e4tt som liknande egna tillg\u00e5ngar och leasingskulder redovisas som \u201d\u00d6vriga skulder\u201d i balansr\u00e4kningen. Principerna f\u00f6r avskrivning \u00e4r desamma som f\u00f6r liknande egna tillg\u00e5ngar, men avskriv- ningstiden kan inte vara l\u00e4ngre \u00e4n leasingperioden. Pr\u00f6vning av nedskrivningsbehov p\u00e5 nyttjander\u00e4tter g\u00f6rs enligt samma principer som f\u00f6r liknande egna tillg\u00e5ngar. R\u00e4ntekostnader f\u00f6r leasingskulder redovisas som \u201dR\u00e4ntekostnader\u201d i resultatr\u00e4kningen. Tillg\u00e5ngarna klassi\ufb01ceras som \u201dFastigheter\u201d och \u201d\u00d6vriga  tillg\u00e5ngar\u201d. \u00d6vriga tillg\u00e5ngar utg\u00f6rs fr\u00e4mst av fordon och IT- utrustning. Nordea till\u00e4mpar den praktiska l\u00f6sningen f\u00f6r kort- fristiga leasingavtal (med en leasingperiod p\u00e5 12 m\u00e5nader eller mindre), b\u00e5de f\u00f6r \u201dFastigheter\u201d och \u201d\u00d6vriga tillg\u00e5ngar\u201d. Den praktiska l\u00f6sningen f\u00f6r tillg\u00e5ngar med l\u00e5gt v\u00e4rde till\u00e4mpas f\u00f6r \u201d\u00d6vriga tillg\u00e5ngar\u201d. Kortfristiga avtal och avtal med l\u00e5gt v\u00e4rde redovisas inte i balansr\u00e4kningen, utan leasingavgifterna kost- nadsf\u00f6rs i resultatr\u00e4kningen under \u201d\u00d6vriga kostnader\u201d, linj\u00e4rt f\u00f6rdelade \u00f6ver leasingperioden, s\u00e5vida inte n\u00e5got annat syste- matiskt s\u00e4tt b\u00e4ttre \u00e5terspeglar Nordeas ekonomiska nytta \u00f6ver tiden. Leasingperioden \u00e4r den f\u00f6rv\u00e4ntade leasingperioden. Med f\u00f6rv\u00e4ntad leasingperiod avses den icke upps\u00e4gningsbara lea- singperioden enligt avtalet och eventuella m\u00f6jligheter till f\u00f6r- l\u00e4ngning som Nordea med rimlig s\u00e4kerhet avser att utnyttja. Leasingperioden f\u00f6r avtal utan slutdatum fastst\u00e4lls genom att ta h\u00e4nsyn alla fakta och omst\u00e4ndigheter. Avtal som inneh\u00e5ller leasingavtal Avtal kan omfatta r\u00e4tten att anv\u00e4nda en tillg\u00e5ng i utbyte mot en eller flera betalningar, \u00e4ven om avtalet inte har leasingav- talets juridiska form. I f\u00f6rekommande fall separeras dessa till- g\u00e5ngar fr\u00e5n avtalet och redovisas som leasade tillg\u00e5ngar . Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar En leasetagare m\u00e5ste g\u00f6ra kritiska bed\u00f6mningar i fr\u00e5ga om f\u00f6rv\u00e4ntad leasingperiod genom att ta h\u00e4nsyn till alla fakta och omst\u00e4ndigheter som inneb\u00e4r ett ekonomiskt incitament att utnyttja r\u00e4tten att f\u00f6rl\u00e4nga eller avsluta avtalet. Den f\u00f6r- v\u00e4ntade leasingperioden f\u00f6r avtal utan slutdatum bed\u00f6ms p\u00e5 samma s\u00e4tt. Bed\u00f6mningen av avtal som g\u00e4ller bankkontor grundas p\u00e5 begr\u00e4nsningsregler f\u00f6r genomsnittlig f\u00f6rv\u00e4ntad l\u00f6ptid f\u00f6r olika typer av fastighetsavtal. En mer detaljerad analys g\u00f6rs f\u00f6r mer betydande avtal. Huvudkontorsavtal bed\u00f6ms vara mera l\u00e5ngfristiga till sin natur \u00e4n bankkontoren, vars aff\u00e4rsomgivning f\u00f6r\u00e4ndras i en snabbare takt. Begr\u00e4ns- ningsregeln f\u00f6r bankkontor begr\u00e4nsar f\u00f6r tillf\u00e4llet l\u00f6ptiden f\u00f6r kontrakt utan slutdatum och kontrakt med f\u00f6rl\u00e4ngningsoptio- ner till 5 \u00e5r. Det \u00e4r m\u00f6jligt att avvika fr\u00e5n begr\u00e4nsningsregeln om omst\u00e4ndigheterna indikerar att Nordea kommer att stan- na kvar en l\u00e4ngre/kortare tidsperiod. Det redovisade v\u00e4rdet f\u00f6r nyttjander\u00e4tter var 1 257 mn euro (1 331 mn euro) vid \u00e5rets slut. En leasegivare m\u00e5ste g\u00f6ra kritiska bed\u00f6mningar vid klas- si\ufb01ceringen av leasingavtal. Ett leasingavtal klassi\ufb01ceras som \ufb01nansiell leasing om avtalet inneb\u00e4r att i stort sett alla risker och r\u00e4ttigheter f\u00f6rknippade med \u00e4gandet \u00f6verf\u00f6rs. Ett lea- singavtal klassi\ufb01ceras som operationellt om avtalet inte inne- b\u00e4r att i stort sett alla risker och r\u00e4ttigheter f\u00f6rknippade med \u00e4gandet \u00f6verf\u00f6rs. Nordea som leasegivare Nordeas leasingverksamhet utg\u00f6rs av \ufb01nansiell leasing. Lea- singobjekten utg\u00f6rs fr\u00e4mst av fordon, maskiner och annan utrustning. I tabellen nedan \ufb01nns en avst\u00e4mning mellan bruttoinveste- ring och nuv\u00e4rdet av fordran avseende framtida minimileaseavgifter. Mn euro 31 dec 2022 31 dec 2021 Bruttoinvestering 10 099 10 183 Avg\u00e5r ej intj\u00e4nade \ufb01nansiella int\u00e4kter -1 211 -989 Nettoinvestering i \ufb01nansiella leasingavtal 8 888 9 194 Avg\u00e5r ej garanterade restv\u00e4rden som tillfaller leasegivaren -10 -7 Nuv\u00e4rde av fordran avseende framtida minimileaseavgifter 8 878 9 187 Reserv f\u00f6r os\u00e4kra fordringar avseende minimileaseavgifter -21 -17 I \ufb01nansiella leasingkontrakt b\u00e4rs restv\u00e4rdesrisken av leveran- t\u00f6ren eller leasetagaren i enlighet med avtalsvillkoren. Per 31 december 2022 var bruttoinvesteringen och nettoin- vesteringen f\u00f6rdelad efter f\u00f6ljande \u00e5terst\u00e5ende l\u00f6ptid: 31 dec 2022 Mn euro Brutto- investering Netto- investering 2023 2 839 2 520 2024 2 561 2 228 2025 2 208 1 919 2026 1 492 1 303 2027 513 478 Senare \u00e5r 486 440 Summa  10 099 8 888 Nordea som leasetagare Leasingavtalen avser huvudsakligen kontorslokaler, men ocks\u00e5 tj\u00e4nstebilar, IT-utrustning och andra tillg\u00e5ngar som nor- malt beh\u00f6vs i verksamheten. Fastigheterna/lokalerna kan i huvudsak delas in i bankkontor och huvudkontor. Fastighets- kontrakten f\u00f6rvaltas aktivt med fokus p\u00e5 ett effektivt utnytt- jande av utrymmen och p\u00e5 f\u00f6r\u00e4ndringar i aff\u00e4rsomgivningen. Leasingavgifterna utg\u00f6rs normalt av fasta avgifter, och i fr\u00e5ga om framf\u00f6r allt lokaler/fastigheter \u00e4ven r\u00f6rliga avgifter som \u00e4r kopplade till ett index. Normalt anv\u00e4nds inte restv\u00e4rdes- garantier eller k\u00f6poptioner. I tabellen nedan visas kostnader avseende leasing. Mn euro 2022 2021 Kostnader avseende kortfristiga leasingavtal -12 -12 Kostnader avseende leasing av tillg\u00e5ngar av l\u00e5gt v\u00e4rde 0 0 Kostnader avseende variabla leasingavgifter -19 -16 R\u00e4ntekostnad -9 -9 Int\u00e4kter fr\u00e5n vidareuthyrning 2 2 Det totala kassautf\u00f6det f\u00f6r leasingavtal -163 -176 I tabellen nedan visas avtalsenliga odiskonterade kassafl\u00f6den f\u00f6r leasingskulder. Mn euro 31 dec 2022 31 dec 2021 H\u00f6gst 1 \u00e5r 125 132 1\u20132 \u00e5r 95 122 2\u20135 \u00e5r 202 228 5\u201310 \u00e5r 306 288 10\u201315 \u00e5r 263 267 15\u201320 \u00e5r 164 174 20\u201325 \u00e5r 10 25 Summa 1 165 1 236 Mer information om nyttjander\u00e4tter och l\u00f6ptidsanalys \ufb01nns i not K5.2 \u201dMateriella tillg\u00e5ngar\u201d och i not K10.3 \u201dL\u00f6ptidsanalys\u201d. Leasingskulden omfattar inte uppskattade framtida kassa- fl\u00f6den f\u00f6r v\u00e4sentliga framtida leasing\u00e5taganden som \u00e4nnu inte b\u00f6rjat g\u00e4lla, motsvarande cirka 115 mn euro vid \u00e5rets slut. Nordea bedriver sin verksamhet i hyrda lokaler. Dessa lokaler kan delas in i huvudkontor, bankkontor och \u00f6vriga lokaler. Den f\u00f6rv\u00e4ntade leasingperioden f\u00f6r de flesta lokaler/fast- igheter \u00e4r 1\u201310 \u00e5r, medan den f\u00f6rv\u00e4ntade leasingperioden f\u00f6r huvudkontoren i de nordiska l\u00e4nderna \u00e4r 10\u201325 \u00e5r. Dessa kon- trakt innefattar normalt m\u00f6jlighet till f\u00f6rl\u00e4ngning. Huvudkontorskontrakten har normalt en fast hyresperiod, medan bankkontorskontrakten antingen har en fast hyrespe- riod eller g\u00e4ller tillsvidare med en r\u00e4tt att s\u00e4ga upp kontrak- tet. Upps\u00e4gningstiden \u00e4r vanligen 6\u201312 m\u00e5nader. Huvudprin- cipen \u00e4r att fastighetskontrakten inte inneh\u00e5ller k\u00f6poptioner. Bilkontrakten har vanligtvis en fast hyresperiod p\u00e5 mindre \u00e4n 5 \u00e5r. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLeasesExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-683": {
   "value": "K5.4 Leasing Redovisningsprinciper Ett leasingavtal \u00e4r ett avtal som \u00f6verl\u00e5ter r\u00e4tten att under en viss tid best\u00e4mma \u00f6ver anv\u00e4ndningen av en identi\ufb01erad till- g\u00e5ng i utbyte mot ers\u00e4ttning. Nordea som leasegivare Finansiell leasing redovisas som en fordran p\u00e5 leasetagaren och ing\u00e5r i \u201dUtl\u00e5ning till allm\u00e4nheten\u201d (se not K3.7 \u201dUtl\u00e5ning\u201d) med ett belopp som motsvarar nettoinvesteringen enligt lea- singavtalet. Leasingavgiften, exklusive kostnad f\u00f6r service, redovisas som \u00e5terbetalning av fordran och som r\u00e4nteint\u00e4kt. Int\u00e4kten f\u00f6rdelas s\u00e5 att en j\u00e4mn f\u00f6rr\u00e4ntning erh\u00e5lls p\u00e5 under varje period redovisad nettoinvestering. Nordea som leasetagare N\u00e4r ett avtal ing\u00e5s g\u00f6r Nordea en bed\u00f6mning av om det \u00e4r eller inneh\u00e5ller ett leasingavtal. R\u00e4tten att anv\u00e4nda en tillg\u00e5ng i ett leasingavtal redovisas vid inledningsdatumet som en nyttjander\u00e4tt och skyldigheten att betala leasingavgifterna redovisas som en leasingskuld. Nyttjander\u00e4tten v\u00e4rderas som nuv\u00e4rdet av leasingavgifterna, plus initiala direkta kostnader och kostnader f\u00f6r skyldigheten att underh\u00e5lla tillg\u00e5ngen minus eventuella f\u00f6rm\u00e5ner som mottagits i samband med leasingavtalet. Icke-leasingkompo- nenter s\u00e4rskiljs. Som diskonteringsr\u00e4nta f\u00f6r att ber\u00e4kna lea- singskulden f\u00f6r varje avtal anv\u00e4nds den marginella l\u00e5ner\u00e4n- tan vid avtalets inledningsdatum. F\u00f6r betydande leasingavtal g\u00e4llande lokaler/fastigheter kan avtalets implicita r\u00e4nta anv\u00e4ndas, om den \u00e4r tillg\u00e4nglig. Nyttjander\u00e4tter redovisas p\u00e5 samma s\u00e4tt som liknande egna tillg\u00e5ngar och leasingskulder redovisas som \u201d\u00d6vriga skulder\u201d i balansr\u00e4kningen. Principerna f\u00f6r avskrivning \u00e4r desamma som f\u00f6r liknande egna tillg\u00e5ngar, men avskriv- ningstiden kan inte vara l\u00e4ngre \u00e4n leasingperioden. Pr\u00f6vning av nedskrivningsbehov p\u00e5 nyttjander\u00e4tter g\u00f6rs enligt samma principer som f\u00f6r liknande egna tillg\u00e5ngar. R\u00e4ntekostnader f\u00f6r leasingskulder redovisas som \u201dR\u00e4ntekostnader\u201d i resultatr\u00e4kningen. Tillg\u00e5ngarna klassi\ufb01ceras som \u201dFastigheter\u201d och \u201d\u00d6vriga  tillg\u00e5ngar\u201d. \u00d6vriga tillg\u00e5ngar utg\u00f6rs fr\u00e4mst av fordon och IT- utrustning. Nordea till\u00e4mpar den praktiska l\u00f6sningen f\u00f6r kort- fristiga leasingavtal (med en leasingperiod p\u00e5 12 m\u00e5nader eller mindre), b\u00e5de f\u00f6r \u201dFastigheter\u201d och \u201d\u00d6vriga tillg\u00e5ngar\u201d. Den praktiska l\u00f6sningen f\u00f6r tillg\u00e5ngar med l\u00e5gt v\u00e4rde till\u00e4mpas f\u00f6r \u201d\u00d6vriga tillg\u00e5ngar\u201d. Kortfristiga avtal och avtal med l\u00e5gt v\u00e4rde redovisas inte i balansr\u00e4kningen, utan leasingavgifterna kost- nadsf\u00f6rs i resultatr\u00e4kningen under \u201d\u00d6vriga kostnader\u201d, linj\u00e4rt f\u00f6rdelade \u00f6ver leasingperioden, s\u00e5vida inte n\u00e5got annat syste- matiskt s\u00e4tt b\u00e4ttre \u00e5terspeglar Nordeas ekonomiska nytta \u00f6ver tiden. Leasingperioden \u00e4r den f\u00f6rv\u00e4ntade leasingperioden. Med f\u00f6rv\u00e4ntad leasingperiod avses den icke upps\u00e4gningsbara lea- singperioden enligt avtalet och eventuella m\u00f6jligheter till f\u00f6r- l\u00e4ngning som Nordea med rimlig s\u00e4kerhet avser att utnyttja. Leasingperioden f\u00f6r avtal utan slutdatum fastst\u00e4lls genom att ta h\u00e4nsyn alla fakta och omst\u00e4ndigheter. Avtal som inneh\u00e5ller leasingavtal Avtal kan omfatta r\u00e4tten att anv\u00e4nda en tillg\u00e5ng i utbyte mot en eller flera betalningar, \u00e4ven om avtalet inte har leasingav- talets juridiska form. I f\u00f6rekommande fall separeras dessa till- g\u00e5ngar fr\u00e5n avtalet och redovisas som leasade tillg\u00e5ngar . ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForLeasesExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-684": {
   "value": "Nordea som leasetagare N\u00e4r ett avtal ing\u00e5s g\u00f6r Nordea en bed\u00f6mning av om det \u00e4r eller inneh\u00e5ller ett leasingavtal. R\u00e4tten att anv\u00e4nda en tillg\u00e5ng i ett leasingavtal redovisas vid inledningsdatumet som en nyttjander\u00e4tt och skyldigheten att betala leasingavgifterna redovisas som en leasingskuld. Nyttjander\u00e4tten v\u00e4rderas som nuv\u00e4rdet av leasingavgifterna, plus initiala direkta kostnader och kostnader f\u00f6r skyldigheten att underh\u00e5lla tillg\u00e5ngen minus eventuella f\u00f6rm\u00e5ner som mottagits i samband med leasingavtalet. Icke-leasingkompo- nenter s\u00e4rskiljs. Som diskonteringsr\u00e4nta f\u00f6r att ber\u00e4kna lea- singskulden f\u00f6r varje avtal anv\u00e4nds den marginella l\u00e5ner\u00e4n- tan vid avtalets inledningsdatum. F\u00f6r betydande leasingavtal g\u00e4llande lokaler/fastigheter kan avtalets implicita r\u00e4nta anv\u00e4ndas, om den \u00e4r tillg\u00e4nglig. Nyttjander\u00e4tter redovisas p\u00e5 samma s\u00e4tt som liknande egna tillg\u00e5ngar och leasingskulder redovisas som \u201d\u00d6vriga skulder\u201d i balansr\u00e4kningen. Principerna f\u00f6r avskrivning \u00e4r desamma som f\u00f6r liknande egna tillg\u00e5ngar, men avskriv- ningstiden kan inte vara l\u00e4ngre \u00e4n leasingperioden. Pr\u00f6vning av nedskrivningsbehov p\u00e5 nyttjander\u00e4tter g\u00f6rs enligt samma principer som f\u00f6r liknande egna tillg\u00e5ngar. R\u00e4ntekostnader f\u00f6r leasingskulder redovisas som \u201dR\u00e4ntekostnader\u201d i resultatr\u00e4kningen. Tillg\u00e5ngarna klassi\ufb01ceras som \u201dFastigheter\u201d och \u201d\u00d6vriga  tillg\u00e5ngar\u201d. \u00d6vriga tillg\u00e5ngar utg\u00f6rs fr\u00e4mst av fordon och IT- utrustning. Nordea till\u00e4mpar den praktiska l\u00f6sningen f\u00f6r kort- fristiga leasingavtal (med en leasingperiod p\u00e5 12 m\u00e5nader eller mindre), b\u00e5de f\u00f6r \u201dFastigheter\u201d och \u201d\u00d6vriga tillg\u00e5ngar\u201d. Den praktiska l\u00f6sningen f\u00f6r tillg\u00e5ngar med l\u00e5gt v\u00e4rde till\u00e4mpas f\u00f6r \u201d\u00d6vriga tillg\u00e5ngar\u201d. Kortfristiga avtal och avtal med l\u00e5gt v\u00e4rde redovisas inte i balansr\u00e4kningen, utan leasingavgifterna kost- nadsf\u00f6rs i resultatr\u00e4kningen under \u201d\u00d6vriga kostnader\u201d, linj\u00e4rt f\u00f6rdelade \u00f6ver leasingperioden, s\u00e5vida inte n\u00e5got annat syste- matiskt s\u00e4tt b\u00e4ttre \u00e5terspeglar Nordeas ekonomiska nytta \u00f6ver tiden. Leasingperioden \u00e4r den f\u00f6rv\u00e4ntade leasingperioden. Med f\u00f6rv\u00e4ntad leasingperiod avses den icke upps\u00e4gningsbara lea- singperioden enligt avtalet och eventuella m\u00f6jligheter till f\u00f6r- l\u00e4ngning som Nordea med rimlig s\u00e4kerhet avser att utnyttja. Leasingperioden f\u00f6r avtal utan slutdatum fastst\u00e4lls genom att ta h\u00e4nsyn alla fakta och omst\u00e4ndigheter. Nordea som leasegivare Nordeas leasingverksamhet utg\u00f6rs av \ufb01nansiell leasing. Lea- singobjekten utg\u00f6rs fr\u00e4mst av fordon, maskiner och annan utrustning. I tabellen nedan \ufb01nns en avst\u00e4mning mellan bruttoinveste- ring och nuv\u00e4rdet av fordran avseende framtida minimileaseavgifter. Mn euro 31 dec 2022 31 dec 2021 Bruttoinvestering 10 099 10 183 Avg\u00e5r ej intj\u00e4nade \ufb01nansiella int\u00e4kter -1 211 -989 Nettoinvestering i \ufb01nansiella leasingavtal 8 888 9 194 Avg\u00e5r ej garanterade restv\u00e4rden som tillfaller leasegivaren -10 -7 Nuv\u00e4rde av fordran avseende framtida minimileaseavgifter 8 878 9 187 Reserv f\u00f6r os\u00e4kra fordringar avseende minimileaseavgifter -21 -17 I \ufb01nansiella leasingkontrakt b\u00e4rs restv\u00e4rdesrisken av leveran- t\u00f6ren eller leasetagaren i enlighet med avtalsvillkoren. Per 31 december 2022 var bruttoinvesteringen och nettoin- vesteringen f\u00f6rdelad efter f\u00f6ljande \u00e5terst\u00e5ende l\u00f6ptid: 31 dec 2022 Mn euro Brutto- investering Netto- investering 2023 2 839 2 520 2024 2 561 2 228 2025 2 208 1 919 2026 1 492 1 303 2027 513 478 Senare \u00e5r 486 440 Summa  10 099 8 888 Nordea som leasetagare Leasingavtalen avser huvudsakligen kontorslokaler, men ocks\u00e5 tj\u00e4nstebilar, IT-utrustning och andra tillg\u00e5ngar som nor- malt beh\u00f6vs i verksamheten. Fastigheterna/lokalerna kan i huvudsak delas in i bankkontor och huvudkontor. Fastighets- kontrakten f\u00f6rvaltas aktivt med fokus p\u00e5 ett effektivt utnytt- jande av utrymmen och p\u00e5 f\u00f6r\u00e4ndringar i aff\u00e4rsomgivningen. Leasingavgifterna utg\u00f6rs normalt av fasta avgifter, och i fr\u00e5ga om framf\u00f6r allt lokaler/fastigheter \u00e4ven r\u00f6rliga avgifter som \u00e4r kopplade till ett index. Normalt anv\u00e4nds inte restv\u00e4rdes- garantier eller k\u00f6poptioner. I tabellen nedan visas kostnader avseende leasing. Mn euro 2022 2021 Kostnader avseende kortfristiga leasingavtal -12 -12 Kostnader avseende leasing av tillg\u00e5ngar av l\u00e5gt v\u00e4rde 0 0 Kostnader avseende variabla leasingavgifter -19 -16 R\u00e4ntekostnad -9 -9 Int\u00e4kter fr\u00e5n vidareuthyrning 2 2 Det totala kassautf\u00f6det f\u00f6r leasingavtal -163 -176 I tabellen nedan visas avtalsenliga odiskonterade kassafl\u00f6den f\u00f6r leasingskulder. Mn euro 31 dec 2022 31 dec 2021 H\u00f6gst 1 \u00e5r 125 132 1\u20132 \u00e5r 95 122 2\u20135 \u00e5r 202 228 5\u201310 \u00e5r 306 288 10\u201315 \u00e5r 263 267 15\u201320 \u00e5r 164 174 20\u201325 \u00e5r 10 25 Summa 1 165 1 236 Mer information om nyttjander\u00e4tter och l\u00f6ptidsanalys \ufb01nns i not K5.2 \u201dMateriella tillg\u00e5ngar\u201d och i not K10.3 \u201dL\u00f6ptidsanalys\u201d. Leasingskulden omfattar inte uppskattade framtida kassa- fl\u00f6den f\u00f6r v\u00e4sentliga framtida leasing\u00e5taganden som \u00e4nnu inte b\u00f6rjat g\u00e4lla, motsvarande cirka 115 mn euro vid \u00e5rets slut. Nordea bedriver sin verksamhet i hyrda lokaler. Dessa lokaler kan delas in i huvudkontor, bankkontor och \u00f6vriga lokaler. Den f\u00f6rv\u00e4ntade leasingperioden f\u00f6r de flesta lokaler/fast- igheter \u00e4r 1\u201310 \u00e5r, medan den f\u00f6rv\u00e4ntade leasingperioden f\u00f6r huvudkontoren i de nordiska l\u00e4nderna \u00e4r 10\u201325 \u00e5r. Dessa kon- trakt innefattar normalt m\u00f6jlighet till f\u00f6rl\u00e4ngning. Huvudkontorskontrakten har normalt en fast hyresperiod, medan bankkontorskontrakten antingen har en fast hyrespe- riod eller g\u00e4ller tillsvidare med en r\u00e4tt att s\u00e4ga upp kontrak- tet. Upps\u00e4gningstiden \u00e4r vanligen 6\u201312 m\u00e5nader. Huvudprin- cipen \u00e4r att fastighetskontrakten inte inneh\u00e5ller k\u00f6poptioner. Bilkontrakten har vanligtvis en fast hyresperiod p\u00e5 mindre \u00e4n 5 \u00e5r. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLeasePrepaymentsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-685": {
   "value": "K6 Avs\u00e4ttningar Redovisningsprinciper Avs\u00e4ttningar (som redovisas som en skuld) g\u00f6rs n\u00e4r Nordea har en aktuell f\u00f6rpliktelse (r\u00e4ttslig eller informell) till f\u00f6ljd av en intr\u00e4ffad h\u00e4ndelse om det \u00e4r troligt (det vill s\u00e4ga mer san- nolikt \u00e4n inte) att ett utfl\u00f6de av resurser som utg\u00f6r ekonomis- ka f\u00f6rdelar kommer att kr\u00e4vas f\u00f6r att reglera f\u00f6rpliktelsen och att en tillf\u00f6rlitlig uppskattning av beloppet kan g\u00f6ras. Det belopp som redovisas som en avs\u00e4ttning \u00e4r den b\u00e4sta upp- skattningen av kostnaden f\u00f6r att reglera den aktuella f\u00f6rplik- telsen vid rapportperiodens slut. Redovisningsprinciper som avser ers\u00e4ttningar till anst\u00e4llda beskrivs n\u00e4rmare i not K8 \u201dErs\u00e4ttning till anst\u00e4llda och nyck- elpersoner i ledande positioner\u201d och \ufb01nansiella garantiavtal och kreditl\u00f6ften beskrivs i not K7 \u201dPoster utanf\u00f6r balansr\u00e4k- ningen\u201d. Redovisningsprinciper f\u00f6r avs\u00e4ttningar avseende poster utanf\u00f6r balansr\u00e4kningen \ufb01nns i not K3.7 \u201dUtl\u00e5ning\u201d. Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar Inom ramen f\u00f6r den normala aff\u00e4rsverksamheten \u00e4r Nordea f\u00f6rem\u00e5l f\u00f6r ett antal krav i civilr\u00e4ttsliga st\u00e4mningar och tvister, varav de flesta r\u00f6r relativt begr\u00e4nsade belopp, samt eventu- ella b\u00f6tesf\u00f6rel\u00e4gganden till f\u00f6ljd av exempelvis tidigare svaga processer och rutiner f\u00f6r bek\u00e4mpning av penningtv\u00e4tt (anti- money laundering, AML). Ingen av de p\u00e5g\u00e5ende tvisterna bed\u00f6ms f\u00f6r n\u00e4rvarande komma att medf\u00f6ra n\u00e5gon v\u00e4sentlig negativ effekt p\u00e5 Nordea eller dess \ufb01nansiella st\u00e4llning. Som tidigare meddelats r\u00e4knar Nordea med b\u00f6ter i Danmark f\u00f6r tidigare svaga AML-processer och rutiner, och en avs\u00e4ttning har gjorts f\u00f6r p\u00e5g\u00e5ende penningtv\u00e4tts\u00e4renden. Nordea kan inte utesluta risken f\u00f6r b\u00f6ter som skulle kunna p\u00e5verka bankens \ufb01nansiella resultat. Vissa av dessa utredningar skulle ocks\u00e5 kunna leda till st\u00e4mningar. Se \u00e4ven not K11 \u201dRisk- och likviditetshantering\u201d, avsnitt 6 \u201dRegelefterlevnadsrisk\u201d, och not K7.1 \u201dEventualf\u00f6rpliktelser\u201d. Avs\u00e4ttningar Mn euro 31 dec 2022 31 dec 2021 Omstruktureringskostnader 78 127 Garantier/\u00e5taganden 184 183 \u00d6vriga 89 104 Summa 351 414 Reserven f\u00f6r omstruktureringskostnader utnyttjades med 68 mn euro under 2022 och nya avs\u00e4ttningar p\u00e5 27 mn euro gjordes under \u00e5ret. Den \u00e5terst\u00e5ende reserven avser personal- relaterade kostnader (68 mn euro) och lokalrelaterade kost- nader (10 mn euro). De personalrelaterade kostnaderna \u00e4r huvudsakligen h\u00e4n- f\u00f6rliga till bankens nya aff\u00e4rsplan och inkluderar nya \ufb01nan- siella m\u00e5l, som till stor del initierades 2019, men d\u00e4r utbetal- ningar fortfarande sker. Av den totala omstruktureringsreser- ven p\u00e5 78 mn euro, f\u00f6rv\u00e4ntas 50 mn euro utnyttjas under 2023. Alla personalrelaterade aktiviteter f\u00f6rv\u00e4ntas genom- f\u00f6ras under 2023, men betalningarna kommer sannolikt att forts\u00e4tta in p\u00e5 2024. Som f\u00f6r alla reserver \ufb01nns en os\u00e4kerhet kring tidpunkt och belopp. Denna os\u00e4kerhet f\u00f6rv\u00e4ntas minska allteftersom planen verkst\u00e4lls. Avs\u00e4ttningar f\u00f6r kreditf\u00f6rluster g\u00e4llande poster utanf\u00f6r balansr\u00e4kningen uppgick till 184 mn euro (183 mn euro). Mer information om dessa avs\u00e4ttningar \ufb01nns i not K11 \u201dRisk- och likviditetshantering\u201d, avsnitt 2 \u201dKreditrisk\u201d, och i not K7 \u201dPos- ter utanf\u00f6r balansr\u00e4kningen\u201d. Mer information om de AML-relaterade avs\u00e4ttningarna \ufb01nns i not K11 \u201dRisk- och likviditetshantering\u201d, avsnitt 6.2 \u201dBek\u00e4mpning av ekobrott\u201d. Omstruktureringskostnader \u00d6vriga Mn euro 2022 2021 2022 2021 Vid \u00e5rets b\u00f6rjan 127 245 104 115 Nya avs\u00e4ttningar 27 26 1 13 Utnyttjat -68 -107 -14 -20 \u00c5terf\u00f6rt -5 -38 -1 -9 Omklassi\ufb01ceringar \u2013 \u2013 \u2013 5 Omr\u00e4kningsdifferenser -3 1 -1 0 Vid \u00e5rets slut 78 127 89 104 ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfProvisionsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-686": {
   "value": "K6 Avs\u00e4ttningar Redovisningsprinciper Avs\u00e4ttningar (som redovisas som en skuld) g\u00f6rs n\u00e4r Nordea har en aktuell f\u00f6rpliktelse (r\u00e4ttslig eller informell) till f\u00f6ljd av en intr\u00e4ffad h\u00e4ndelse om det \u00e4r troligt (det vill s\u00e4ga mer san- nolikt \u00e4n inte) att ett utfl\u00f6de av resurser som utg\u00f6r ekonomis- ka f\u00f6rdelar kommer att kr\u00e4vas f\u00f6r att reglera f\u00f6rpliktelsen och att en tillf\u00f6rlitlig uppskattning av beloppet kan g\u00f6ras. Det belopp som redovisas som en avs\u00e4ttning \u00e4r den b\u00e4sta upp- skattningen av kostnaden f\u00f6r att reglera den aktuella f\u00f6rplik- telsen vid rapportperiodens slut. Redovisningsprinciper som avser ers\u00e4ttningar till anst\u00e4llda beskrivs n\u00e4rmare i not K8 \u201dErs\u00e4ttning till anst\u00e4llda och nyck- elpersoner i ledande positioner\u201d och \ufb01nansiella garantiavtal och kreditl\u00f6ften beskrivs i not K7 \u201dPoster utanf\u00f6r balansr\u00e4k- ningen\u201d. Redovisningsprinciper f\u00f6r avs\u00e4ttningar avseende poster utanf\u00f6r balansr\u00e4kningen \ufb01nns i not K3.7 \u201dUtl\u00e5ning\u201d. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForProvisionsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-687": {
   "value": "K7.1 Eventualf\u00f6rpliktelser Redovisningsprinciper En eventualf\u00f6rpliktelse \u00e4r: \u2022  en m\u00f6jlig f\u00f6rpliktelse vars f\u00f6rekomst endast kan komma att bekr\u00e4ftas av en eller flera framtida h\u00e4ndelser som inte helt ligger inom Nordeas kontroll, eller \u2022  en be\ufb01ntlig f\u00f6rpliktelse som inte redovisas eftersom det inte \u00e4r sannolikt att ett utfl\u00f6de av resurser kommer att kr\u00e4vas f\u00f6r att reglera f\u00f6rpliktelsen eller det inte g\u00e5r att g\u00f6ra en tillr\u00e4ck- ligt tillf\u00f6rlitlig uppskattning av beloppet. Eventualf\u00f6rpliktelser redovisas inte som skulder i balansr\u00e4k- ningen utan presenteras som en post utanf\u00f6r balansr\u00e4kningen, s\u00e5vida inte sannolikheten f\u00f6r ett utfl\u00f6de \u00e4r ytterst liten. N\u00e4r det \u00e4r mer sannolikt \u00e4n inte att ett utfl\u00f6de kan ske g\u00f6rs en avs\u00e4ttning som redovisas i balansr\u00e4kningen. Redovisnings- principerna f\u00f6r avs\u00e4ttningar \ufb01nns i not K6 \u201dAvs\u00e4ttningar\u201d. Garantier och remburser redovisas i balansr\u00e4kningen enligt kraven f\u00f6r f\u00f6rv\u00e4ntade kreditf\u00f6rluster, som beskrivs n\u00e4rmare i not K3.7 \u201dUtl\u00e5ning\u201d. F\u00f6r\u00e4ndringar i avs\u00e4ttningar redovisas i resultatr\u00e4kningen under posten \u201dKreditf\u00f6rluster, netto\u201d. Erh\u00e5llna premier f\u00f6r \ufb01nansiella garantiavtal f\u00f6rdelas \u00f6ver garantiperioden och redovisas i resultatr\u00e4kningen som \u201dAvgifts- och provisionsint\u00e4kter\u201d. Garanti- och l\u00f6ftesbeloppen redovisas utanf\u00f6r balansr\u00e4kningen, netto efter avdrag f\u00f6r even- tuella avs\u00e4ttningar . Tabellen nedan omfattar alla l\u00e4mnade garantier, \u00e4ven s\u00e5dana d\u00e4r sannolikheten f\u00f6r ett utfl\u00f6de av resurser bed\u00f6ms vara ytterst liten. Eventualf\u00f6rpliktelser Mn euro 31 dec 2022 31 dec 2021 Kreditgarantier 2 486 4 259 \u00d6vriga garantier 18 000 17 684 Remburser 598 830 \u00d6vriga eventualf\u00f6rpliktelser 79 13 Summa 21 163 22 786 Inom ramen f\u00f6r den normala aff\u00e4rsverksamheten utf\u00e4rdar Nordea olika former av garantier till f\u00f6rm\u00e5n f\u00f6r Nordeas kun- der. Kreditgarantier l\u00e4mnas till kunder f\u00f6r att garantera \u00e5tagan- den i andra kredit- och pensionsinstitut. \u00d6vriga garantier utg\u00f6rs fr\u00e4mst av kommersiella garantier s\u00e5som anbudsgaran- tier, garantier avseende f\u00f6rskottsbetalningar, garantier under ansvarstiden och exportrelaterade garantier. Eventualf\u00f6rplik- telser omfattar ocks\u00e5 outnyttjade o\u00e5terkalleliga importrembur- ser och bekr\u00e4ftade exportremburser. Dessa transaktioner ing\u00e5r i Nordeas tj\u00e4nster och \u00e4r till st\u00f6d f\u00f6r bankens kunder. Nordea Bank Abp har gentemot vissa personer \u00e5tagit sig att under vissa f\u00f6ruts\u00e4ttningar svara f\u00f6r eventuell betalningsskyldig- het som har uppkommit i deras egenskap av verkst\u00e4llande direk- t\u00f6rer eller styrelseledam\u00f6ter i dotterf\u00f6retag till Nordea Bank Abp. Nordea Bank Abp har \u00e5tagit sig att ers\u00e4tta medlemmarna i koncernledningen f\u00f6r utgifter i samband med juridisk r\u00e5dgiv- ning f\u00f6r att f\u00f6rsvara sig emot eller bestrida vissa st\u00e4mningar eller utredningar fr\u00e5n tredje part, dock med undantag f\u00f6r brott eller handlingar som beg\u00e5tts upps\u00e5tligen eller av grov oakt- samhet. Ers\u00e4ttningen f\u00f6r respektive medlem i koncernledning- en kan som h\u00f6gst uppg\u00e5 till 37,5 mn euro, s\u00e5vida inte styrelsen fr\u00e5n fall till fall beslutar annat. Nordea k\u00f6per ansvarsf\u00f6rs\u00e4kring f\u00f6r ledande befattningshavare som t\u00e4cker personligt skade- st\u00e5ndsansvar f\u00f6r styrelseledam\u00f6ter och ledande befattningsha- vare samt det ansvar som banken har till f\u00f6ljd av sitt \u00e5tagande om gottg\u00f6relse. F\u00f6rs\u00e4kringsvillkoren, inklusive maximalt ska- dest\u00e5ndsbelopp, \u00e4r i niv\u00e5 med andra stora europeiska banker. Den ordinarie bolagsst\u00e4mman 2022 beslutade ocks\u00e5 att bolaget ska betala eller ers\u00e4tta styrelseledam\u00f6terna f\u00f6r alla kostnader och utgifter som avser eller uppst\u00e5r med anledning av styrelseuppdraget, s\u00e5som resor, logistik och boende liksom kostnader f\u00f6r r\u00e5dgivning, r\u00e4ttshj\u00e4lp och administration. Kostna- derna f\u00f6r r\u00e4ttshj\u00e4lp kan exempelvis innefatta advokatkostna- der i samband med anspr\u00e5k som riktats mot en styrelseleda- mot, f\u00f6rutsatt att ledamoten inte funnits ansvarig f\u00f6r felaktigt agerande eller grov oaktsamhet. En begr\u00e4nsad andel av de anst\u00e4llda har r\u00e4tt till avg\u00e5ngsve- derlag om de avskedas f\u00f6re deras normala pensions\u00e5lder. F\u00f6r ytterligare information, se not K8.4 \u201dErs\u00e4ttning till nyckelperso- ner i ledande positioner\u201d. Inom ramen f\u00f6r den normala aff\u00e4rsverksamheten \u00e4r Nordea f\u00f6rem\u00e5l f\u00f6r ett antal krav i civilr\u00e4ttsliga st\u00e4mningar och tvister, varav de flesta r\u00f6r relativt begr\u00e4nsade belopp, samt eventuella b\u00f6tesf\u00f6rel\u00e4gganden till f\u00f6ljd av exempelvis tidigare svaga proces- ser och rutiner f\u00f6r bek\u00e4mpning av penningtv\u00e4tt. Ingen av de p\u00e5g\u00e5ende tvisterna bed\u00f6ms f\u00f6r n\u00e4rvarande komma att medf\u00f6ra n\u00e5gon v\u00e4sentlig negativ effekt p\u00e5 Nordea eller dess \ufb01nansiella st\u00e4llning. Som tidigare meddelats r\u00e4knar Nordea med b\u00f6ter i Dan- mark f\u00f6r tidigare svaga processer och rutiner f\u00f6r bek\u00e4mpning av penningtv\u00e4tt, och en avs\u00e4ttning har gjorts f\u00f6r p\u00e5g\u00e5ende penning- tv\u00e4tts\u00e4renden. Nordea kan inte utesluta risken f\u00f6r b\u00f6ter som skul- le kunna p\u00e5verka bankens \ufb01nansiella resultat. Vissa av dessa utredningar skulle ocks\u00e5 kunna leda till st\u00e4mningar. Se \u00e4ven not K11 \u201dRisk- och likviditetshantering\u201d och not K6 \u201dAvs\u00e4ttningar\u201d. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfContingentLiabilitiesExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-688": {
   "value": "K7.1 Eventualf\u00f6rpliktelser Redovisningsprinciper En eventualf\u00f6rpliktelse \u00e4r: \u2022  en m\u00f6jlig f\u00f6rpliktelse vars f\u00f6rekomst endast kan komma att bekr\u00e4ftas av en eller flera framtida h\u00e4ndelser som inte helt ligger inom Nordeas kontroll, eller \u2022  en be\ufb01ntlig f\u00f6rpliktelse som inte redovisas eftersom det inte \u00e4r sannolikt att ett utfl\u00f6de av resurser kommer att kr\u00e4vas f\u00f6r att reglera f\u00f6rpliktelsen eller det inte g\u00e5r att g\u00f6ra en tillr\u00e4ck- ligt tillf\u00f6rlitlig uppskattning av beloppet. Eventualf\u00f6rpliktelser redovisas inte som skulder i balansr\u00e4k- ningen utan presenteras som en post utanf\u00f6r balansr\u00e4kningen, s\u00e5vida inte sannolikheten f\u00f6r ett utfl\u00f6de \u00e4r ytterst liten. N\u00e4r det \u00e4r mer sannolikt \u00e4n inte att ett utfl\u00f6de kan ske g\u00f6rs en avs\u00e4ttning som redovisas i balansr\u00e4kningen. Redovisnings- principerna f\u00f6r avs\u00e4ttningar \ufb01nns i not K6 \u201dAvs\u00e4ttningar\u201d. Garantier och remburser redovisas i balansr\u00e4kningen enligt kraven f\u00f6r f\u00f6rv\u00e4ntade kreditf\u00f6rluster, som beskrivs n\u00e4rmare i not K3.7 \u201dUtl\u00e5ning\u201d. F\u00f6r\u00e4ndringar i avs\u00e4ttningar redovisas i resultatr\u00e4kningen under posten \u201dKreditf\u00f6rluster, netto\u201d. Erh\u00e5llna premier f\u00f6r \ufb01nansiella garantiavtal f\u00f6rdelas \u00f6ver garantiperioden och redovisas i resultatr\u00e4kningen som \u201dAvgifts- och provisionsint\u00e4kter\u201d. Garanti- och l\u00f6ftesbeloppen redovisas utanf\u00f6r balansr\u00e4kningen, netto efter avdrag f\u00f6r even- tuella avs\u00e4ttningar ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialGuaranteesExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-689": {
   "value": "K7.1 Eventualf\u00f6rpliktelser Redovisningsprinciper En eventualf\u00f6rpliktelse \u00e4r: \u2022  en m\u00f6jlig f\u00f6rpliktelse vars f\u00f6rekomst endast kan komma att bekr\u00e4ftas av en eller flera framtida h\u00e4ndelser som inte helt ligger inom Nordeas kontroll, eller \u2022  en be\ufb01ntlig f\u00f6rpliktelse som inte redovisas eftersom det inte \u00e4r sannolikt att ett utfl\u00f6de av resurser kommer att kr\u00e4vas f\u00f6r att reglera f\u00f6rpliktelsen eller det inte g\u00e5r att g\u00f6ra en tillr\u00e4ck- ligt tillf\u00f6rlitlig uppskattning av beloppet. Eventualf\u00f6rpliktelser redovisas inte som skulder i balansr\u00e4k- ningen utan presenteras som en post utanf\u00f6r balansr\u00e4kningen, s\u00e5vida inte sannolikheten f\u00f6r ett utfl\u00f6de \u00e4r ytterst liten. N\u00e4r det \u00e4r mer sannolikt \u00e4n inte att ett utfl\u00f6de kan ske g\u00f6rs en avs\u00e4ttning som redovisas i balansr\u00e4kningen. Redovisnings- principerna f\u00f6r avs\u00e4ttningar \ufb01nns i not K6 \u201dAvs\u00e4ttningar\u201d. Garantier och remburser redovisas i balansr\u00e4kningen enligt kraven f\u00f6r f\u00f6rv\u00e4ntade kreditf\u00f6rluster, som beskrivs n\u00e4rmare i not K3.7 \u201dUtl\u00e5ning\u201d. F\u00f6r\u00e4ndringar i avs\u00e4ttningar redovisas i resultatr\u00e4kningen under posten \u201dKreditf\u00f6rluster, netto\u201d. Erh\u00e5llna premier f\u00f6r \ufb01nansiella garantiavtal f\u00f6rdelas \u00f6ver garantiperioden och redovisas i resultatr\u00e4kningen som \u201dAvgifts- och provisionsint\u00e4kter\u201d. Garanti- och l\u00f6ftesbeloppen redovisas utanf\u00f6r balansr\u00e4kningen, netto efter avdrag f\u00f6r even- tuella avs\u00e4ttningar . Tabellen nedan omfattar alla l\u00e4mnade garantier, \u00e4ven s\u00e5dana d\u00e4r sannolikheten f\u00f6r ett utfl\u00f6de av resurser bed\u00f6ms vara ytterst liten. Eventualf\u00f6rpliktelser Mn euro 31 dec 2022 31 dec 2021 Kreditgarantier 2 486 4 259 \u00d6vriga garantier 18 000 17 684 Remburser 598 830 \u00d6vriga eventualf\u00f6rpliktelser 79 13 Summa 21 163 22 786 Inom ramen f\u00f6r den normala aff\u00e4rsverksamheten utf\u00e4rdar Nordea olika former av garantier till f\u00f6rm\u00e5n f\u00f6r Nordeas kun- der. Kreditgarantier l\u00e4mnas till kunder f\u00f6r att garantera \u00e5tagan- den i andra kredit- och pensionsinstitut. \u00d6vriga garantier utg\u00f6rs fr\u00e4mst av kommersiella garantier s\u00e5som anbudsgaran- tier, garantier avseende f\u00f6rskottsbetalningar, garantier under ansvarstiden och exportrelaterade garantier. Eventualf\u00f6rplik- telser omfattar ocks\u00e5 outnyttjade o\u00e5terkalleliga importrembur- ser och bekr\u00e4ftade exportremburser. Dessa transaktioner ing\u00e5r i Nordeas tj\u00e4nster och \u00e4r till st\u00f6d f\u00f6r bankens kunder. Nordea Bank Abp har gentemot vissa personer \u00e5tagit sig att under vissa f\u00f6ruts\u00e4ttningar svara f\u00f6r eventuell betalningsskyldig- het som har uppkommit i deras egenskap av verkst\u00e4llande direk- t\u00f6rer eller styrelseledam\u00f6ter i dotterf\u00f6retag till Nordea Bank Abp. Nordea Bank Abp har \u00e5tagit sig att ers\u00e4tta medlemmarna i koncernledningen f\u00f6r utgifter i samband med juridisk r\u00e5dgiv- ning f\u00f6r att f\u00f6rsvara sig emot eller bestrida vissa st\u00e4mningar eller utredningar fr\u00e5n tredje part, dock med undantag f\u00f6r brott eller handlingar som beg\u00e5tts upps\u00e5tligen eller av grov oakt- samhet. Ers\u00e4ttningen f\u00f6r respektive medlem i koncernledning- en kan som h\u00f6gst uppg\u00e5 till 37,5 mn euro, s\u00e5vida inte styrelsen fr\u00e5n fall till fall beslutar annat. Nordea k\u00f6per ansvarsf\u00f6rs\u00e4kring f\u00f6r ledande befattningshavare som t\u00e4cker personligt skade- st\u00e5ndsansvar f\u00f6r styrelseledam\u00f6ter och ledande befattningsha- vare samt det ansvar som banken har till f\u00f6ljd av sitt \u00e5tagande om gottg\u00f6relse. F\u00f6rs\u00e4kringsvillkoren, inklusive maximalt ska- dest\u00e5ndsbelopp, \u00e4r i niv\u00e5 med andra stora europeiska banker. Den ordinarie bolagsst\u00e4mman 2022 beslutade ocks\u00e5 att bolaget ska betala eller ers\u00e4tta styrelseledam\u00f6terna f\u00f6r alla kostnader och utgifter som avser eller uppst\u00e5r med anledning av styrelseuppdraget, s\u00e5som resor, logistik och boende liksom kostnader f\u00f6r r\u00e5dgivning, r\u00e4ttshj\u00e4lp och administration. Kostna- derna f\u00f6r r\u00e4ttshj\u00e4lp kan exempelvis innefatta advokatkostna- der i samband med anspr\u00e5k som riktats mot en styrelseleda- mot, f\u00f6rutsatt att ledamoten inte funnits ansvarig f\u00f6r felaktigt agerande eller grov oaktsamhet. En begr\u00e4nsad andel av de anst\u00e4llda har r\u00e4tt till avg\u00e5ngsve- derlag om de avskedas f\u00f6re deras normala pensions\u00e5lder. F\u00f6r ytterligare information, se not K8.4 \u201dErs\u00e4ttning till nyckelperso- ner i ledande positioner\u201d. Inom ramen f\u00f6r den normala aff\u00e4rsverksamheten \u00e4r Nordea f\u00f6rem\u00e5l f\u00f6r ett antal krav i civilr\u00e4ttsliga st\u00e4mningar och tvister, varav de flesta r\u00f6r relativt begr\u00e4nsade belopp, samt eventuella b\u00f6tesf\u00f6rel\u00e4gganden till f\u00f6ljd av exempelvis tidigare svaga proces- ser och rutiner f\u00f6r bek\u00e4mpning av penningtv\u00e4tt. Ingen av de p\u00e5g\u00e5ende tvisterna bed\u00f6ms f\u00f6r n\u00e4rvarande komma att medf\u00f6ra n\u00e5gon v\u00e4sentlig negativ effekt p\u00e5 Nordea eller dess \ufb01nansiella st\u00e4llning. Som tidigare meddelats r\u00e4knar Nordea med b\u00f6ter i Dan- mark f\u00f6r tidigare svaga processer och rutiner f\u00f6r bek\u00e4mpning av penningtv\u00e4tt, och en avs\u00e4ttning har gjorts f\u00f6r p\u00e5g\u00e5ende penning- tv\u00e4tts\u00e4renden. Nordea kan inte utesluta risken f\u00f6r b\u00f6ter som skul- le kunna p\u00e5verka bankens \ufb01nansiella resultat. Vissa av dessa utredningar skulle ocks\u00e5 kunna leda till st\u00e4mningar. Se \u00e4ven not K11 \u201dRisk- och likviditetshantering\u201d och not K6 \u201dAvs\u00e4ttningar\u201d. K7.2 \u00c5taganden Redovisningsprinciper \u00c5taganden \u00e4r o\u00e5terkalleliga l\u00f6ften om att bevilja krediter eller g\u00f6ra andra typer av betalningar i framtiden. \u00c4ven outnyttjade krediter redovisas som \u00e5taganden. O\u00e5terkalleliga kreditl\u00f6ften redovisas i balansr\u00e4kningen enligt kraven f\u00f6r f\u00f6rv\u00e4ntade kreditf\u00f6rluster som beskrivs n\u00e4r- mare i not K3.7 \u201dUtl\u00e5ning\u201d. F\u00f6r\u00e4ndringar i avs\u00e4ttningar redovi- sas i resultatr\u00e4kningen under posten \u201dKreditf\u00f6rluster, netto\u201d. Erh\u00e5llna premier f\u00f6r kreditl\u00f6ften f\u00f6rdelas normalt \u00f6ver \u00e5ta- gandeperioden. Garanti- och l\u00f6ftesbeloppen redovisas utanf\u00f6r balansr\u00e4kningen, netto efter avdrag f\u00f6r eventuella avs\u00e4ttningar. \u00c5taganden Mn euro 31 dec 2022 31 dec 2021 Outnyttjad r\u00e4kningskredit 26 929 28 263 Kreditl\u00f6ften 60 074 57 975 \u00c5tagande om framtida betalningar 889 997 \u00d6vriga \u00e5taganden 1 716 1 750 Summa 89 608 88 985 Omv\u00e4nda \u00e5terk\u00f6psavtal (omv\u00e4nda repor) redovisas i balansr\u00e4k- ningen p\u00e5 likviddagen. Per 31 december 2022 hade Nordea teck- nat omv\u00e4nda repor som \u00e4nnu inte har likvidavr\u00e4knats och som d\u00e4rmed inte redovisas i balansr\u00e4kningen. P\u00e5 likviddagen kom- mer dessa omv\u00e4nda repor till st\u00f6rsta delen ers\u00e4tta existerande omv\u00e4nda repor som \u00e4nnu inte bokats bort fr\u00e5n balansr\u00e4kningen per 31 december 2022. Nettoeffekten i balansr\u00e4kningen \u00e4r begr\u00e4nsad. Dessa instrument har inte redovisats som \u00e5taganden. F\u00f6r mer information om omv\u00e4nda \u00e5terk\u00f6psavtal, se not K3.2 \u201d\u00d6verf\u00f6rda tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter\u201d",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-690": {
   "value": "K7.1 Eventualf\u00f6rpliktelser Redovisningsprinciper En eventualf\u00f6rpliktelse \u00e4r: \u2022  en m\u00f6jlig f\u00f6rpliktelse vars f\u00f6rekomst endast kan komma att bekr\u00e4ftas av en eller flera framtida h\u00e4ndelser som inte helt ligger inom Nordeas kontroll, eller \u2022  en be\ufb01ntlig f\u00f6rpliktelse som inte redovisas eftersom det inte \u00e4r sannolikt att ett utfl\u00f6de av resurser kommer att kr\u00e4vas f\u00f6r att reglera f\u00f6rpliktelsen eller det inte g\u00e5r att g\u00f6ra en tillr\u00e4ck- ligt tillf\u00f6rlitlig uppskattning av beloppet. Eventualf\u00f6rpliktelser redovisas inte som skulder i balansr\u00e4k- ningen utan presenteras som en post utanf\u00f6r balansr\u00e4kningen, s\u00e5vida inte sannolikheten f\u00f6r ett utfl\u00f6de \u00e4r ytterst liten. N\u00e4r det \u00e4r mer sannolikt \u00e4n inte att ett utfl\u00f6de kan ske g\u00f6rs en avs\u00e4ttning som redovisas i balansr\u00e4kningen. Redovisnings- principerna f\u00f6r avs\u00e4ttningar \ufb01nns i not K6 \u201dAvs\u00e4ttningar\u201d. Garantier och remburser redovisas i balansr\u00e4kningen enligt kraven f\u00f6r f\u00f6rv\u00e4ntade kreditf\u00f6rluster, som beskrivs n\u00e4rmare i not K3.7 \u201dUtl\u00e5ning\u201d. F\u00f6r\u00e4ndringar i avs\u00e4ttningar redovisas i resultatr\u00e4kningen under posten \u201dKreditf\u00f6rluster, netto\u201d. Erh\u00e5llna premier f\u00f6r \ufb01nansiella garantiavtal f\u00f6rdelas \u00f6ver garantiperioden och redovisas i resultatr\u00e4kningen som \u201dAvgifts- och provisionsint\u00e4kter\u201d. Garanti- och l\u00f6ftesbeloppen redovisas utanf\u00f6r balansr\u00e4kningen, netto efter avdrag f\u00f6r even- tuella avs\u00e4ttningar . ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForContingentLiabilitiesAndContingentAssetsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-691": {
   "value": "K7.2 \u00c5taganden Redovisningsprinciper \u00c5taganden \u00e4r o\u00e5terkalleliga l\u00f6ften om att bevilja krediter eller g\u00f6ra andra typer av betalningar i framtiden. \u00c4ven outnyttjade krediter redovisas som \u00e5taganden. O\u00e5terkalleliga kreditl\u00f6ften redovisas i balansr\u00e4kningen enligt kraven f\u00f6r f\u00f6rv\u00e4ntade kreditf\u00f6rluster som beskrivs n\u00e4r- mare i not K3.7 \u201dUtl\u00e5ning\u201d. F\u00f6r\u00e4ndringar i avs\u00e4ttningar redovi- sas i resultatr\u00e4kningen under posten \u201dKreditf\u00f6rluster, netto\u201d. Erh\u00e5llna premier f\u00f6r kreditl\u00f6ften f\u00f6rdelas normalt \u00f6ver \u00e5ta- gandeperioden. Garanti- och l\u00f6ftesbeloppen redovisas utanf\u00f6r balansr\u00e4kningen, netto efter avdrag f\u00f6r eventuella avs\u00e4ttningar. \u00c5taganden Mn euro 31 dec 2022 31 dec 2021 Outnyttjad r\u00e4kningskredit 26 929 28 263 Kreditl\u00f6ften 60 074 57 975 \u00c5tagande om framtida betalningar 889 997 \u00d6vriga \u00e5taganden 1 716 1 750 Summa 89 608 88 985 Omv\u00e4nda \u00e5terk\u00f6psavtal (omv\u00e4nda repor) redovisas i balansr\u00e4k- ningen p\u00e5 likviddagen. Per 31 december 2022 hade Nordea teck- nat omv\u00e4nda repor som \u00e4nnu inte har likvidavr\u00e4knats och som d\u00e4rmed inte redovisas i balansr\u00e4kningen. P\u00e5 likviddagen kom- mer dessa omv\u00e4nda repor till st\u00f6rsta delen ers\u00e4tta existerande omv\u00e4nda repor som \u00e4nnu inte bokats bort fr\u00e5n balansr\u00e4kningen per 31 december 2022. Nettoeffekten i balansr\u00e4kningen \u00e4r begr\u00e4nsad. Dessa instrument har inte redovisats som \u00e5taganden. F\u00f6r mer information om omv\u00e4nda \u00e5terk\u00f6psavtal, se not K3.2 \u201d\u00d6verf\u00f6rda tillg\u00e5ngar och erh\u00e5llna s\u00e4kerheter\u201d. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-694": {
   "value": "K8 <span class=\"__12 _775\"> </span> <span class=\"__12 _776\"/>Ers\u00e4ttning till anst<span class=\"__12 _768\"/>\u00e4llda<span class=\"__12 _777\"> </span> och ny<span class=\"__12 _768\"/>ckelpersoner i<span class=\"__12 _777\"> </span> ledande positioner<span class=\"__12 _777\"> </span>All form a<span class=\"__12 _768\"/>v ers\u00e4ttning till ans<span class=\"__12 _768\"/>t\u00e4llda som kompensation f<span class=\"__12 _768\"/>\u00f6r<span class=\"__12 _777\"> </span> utf\u00f6r<span class=\"__12 _768\"/>da tj\u00e4nster utg\u00f6r ers\u00e4ttning till ans<span class=\"__12 _768\"/>t\u00e4llda. Ers\u00e4ttningen<span class=\"__12 _777\"> </span> till anst\u00e4llda utg\u00f6rs a<span class=\"__12 _768\"/>v kortfristiga ers\u00e4ttningar<span class=\"__12 _a_11\"/>, ers\u00e4ttningar<span class=\"__12 _777\"> </span> efter a<span class=\"__12 _768\"/>vslutad anst\u00e4llning och ak<span class=\"__12 _768\"/>tierela<span class=\"__12 _768\"/>terade<span class=\"__12 _777\"> </span> ers\u00e4ttningsprogram.<span class=\"__12 _777\"> </span>Kortfristiga ers\u00e4ttningar till ans<span class=\"__12 _768\"/>t\u00e4llda ska regler<span class=\"__12 _768\"/>as inom<span class=\"__12 _777\"> </span> tolv m\u00e5nader eft<span class=\"__12 _768\"/>er utg\u00e5ngen a<span class=\"__12 _768\"/>v den rapportperiod d\u00e5 tj\u00e4ns-<span class=\"__12 _777\"> </span>terna utf\u00f6rts. K<span class=\"__12 _768\"/>ortfristiga ers\u00e4ttningar till anst\u00e4llda be<span class=\"__12 _768\"/>st\u00e5r<span class=\"__12 _777\"> </span> fr\u00e4ms<span class=\"__12 _768\"/>t av f<span class=\"__12 _768\"/>ast och r<span class=\"__12 _768\"/>\u00f6rlig l\u00f6n. F<span class=\"__12 _768\"/>\u00f6r ytterligare in<span class=\"__12 _768\"/>forma<span class=\"__12 _768\"/>tion, se not<span class=\"__12 _777\"> </span> K8.<span class=\"__12 _a_11\"/>1 \u201dFast och r<span class=\"__12 _768\"/>\u00f6rlig l\u00f6n\u201d<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span> Ers\u00e4ttningar efter a<span class=\"__12 _768\"/>vslutad anst<span class=\"__12 _768\"/>\u00e4llning \u00e4r ers\u00e4ttningar som<span class=\"__12 _777\"> </span> betalas ut efter anst\u00e4llningens upph\u00f6r<span class=\"__12 _768\"/>ande. Ers\u00e4ttningar<span class=\"__12 _777\"> </span> efter a<span class=\"__12 _768\"/>vslutad anst\u00e4llning i Nor<span class=\"__12 _768\"/>dea omf<span class=\"__12 _768\"/>attar endas<span class=\"__12 _768\"/>t pensio-<span class=\"__12 _777\"> </span>ner<span class=\"__12 _a_11\"/>. F\u00f6r ytterligare inf<span class=\"__12 _768\"/>ormation, s<span class=\"__12 _768\"/>e not K8.2 \u201dPensioner<span class=\"__12 _b_11\"/>\u201d<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span> Aktierela<span class=\"__12 _768\"/>terade ers\u00e4<span class=\"__12 _768\"/>ttningsprogram innef<span class=\"__12 _768\"/>attar ak<span class=\"__12 _768\"/>tierela<span class=\"__12 _768\"/>te-<span class=\"__12 _777\"> </span>rade betalningar f<span class=\"__12 _768\"/>\u00f6r tj\u00e4nster s<span class=\"__12 _768\"/>om utf\u00f6rs a<span class=\"__12 _768\"/>v anst\u00e4llda. F<span class=\"__12 _768\"/>\u00f6r<span class=\"__12 _777\"> </span> ytterligare in<span class=\"__12 _768\"/>forma<span class=\"__12 _768\"/>tion, se not K8.3 \u201d<span class=\"__12 _a_11\"/>Ak<span class=\"__12 _768\"/>tierelat<span class=\"__12 _768\"/>erade<span class=\"__12 _777\"> </span> ers\u00e4ttningsprogram\u201d<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>Dessutom l\u00e4mnas inf<span class=\"__12 _768\"/>ormation om ers\u00e4<span class=\"__12 _768\"/>ttning till nyckelper-<span class=\"__12 _777\"> </span>soner i ledande positioner i not K8.4 \u201dErs\u00e4ttning till nyck<span class=\"__12 _768\"/>el-<span class=\"__12 _777\"> </span>personer i ledande positioner<span class=\"__12 _b_11\"/>\u201d<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>Ytterligare inf<span class=\"__12 _768\"/>orma<span class=\"__12 _768\"/>tion om ers\u00e4ttningar<span class=\"__12 _777\"> </span>F\u00f6rvaltningsber<span class=\"__12 _768\"/>\u00e4ttels<span class=\"__12 _768\"/>en inneh\u00e5ller ett separa<span class=\"__12 _768\"/>t avsnitt om<span class=\"__12 _777\"> </span> ers\u00e4ttningar<span class=\"__12 _a_11\"/>, p\u00e5 sidan 7<span class=\"__12 _b_11\"/>9. <span class=\"__12 _768\"/>Till den ordinarie bolagsst<span class=\"__12 _768\"/>\u00e4mman<span class=\"__12 _777\"> </span> den 23 mars 2023 publiceras Ers\u00e4ttningsrapport f\u00f6r styr<span class=\"__12 _768\"/>ande<span class=\"__12 _777\"> </span> organ 2022. Vidare publicer<span class=\"__12 _768\"/>as inf<span class=\"__12 _768\"/>ormation om n<span class=\"__12 _768\"/>yckelpersoner i<span class=\"__12 _777\"> </span> ledande positioner och materiella risk<span class=\"__12 _768\"/>tagare (pelar<span class=\"__12 _768\"/>e 3, kapital<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>kra<span class=\"__12 _768\"/>vsf\u00f6r<span class=\"__12 _768\"/>ordningen, artikel 450) i en separa<span class=\"__12 _768\"/>t rapport p\u00e5 nordea.<span class=\"__12 _777\"> </span>com senast en v<span class=\"__12 _768\"/>ecka f\u00f6r<span class=\"__12 _768\"/>e den ordinarie bolagsst\u00e4mman.<span class=\"__12 _777\"> </span>K8.<span class=\"__12 _a_11\"/>1 <span class=\"__12 _787\"> </span>F<span class=\"__12 _a_11\"/>ast och r\u00f6rlig l\u00f6n<span class=\"__12 _777\"> </span>Redovisningsprinciper<span class=\"__12 _777\"> </span>Kortfristiga ers\u00e4<span class=\"__12 _768\"/>ttningar till anst\u00e4llda<span class=\"__12 _777\"> </span>Kortfristiga ers\u00e4ttningar till ans<span class=\"__12 _768\"/>t\u00e4llda best<span class=\"__12 _768\"/>\u00e5r fr\u00e4ms<span class=\"__12 _768\"/>t av f<span class=\"__12 _768\"/>ast<span class=\"__12 _777\"> </span> och r\u00f6rlig l\u00f6n. B\u00e5de f<span class=\"__12 _768\"/>ast och r\u00f6rlig l\u00f6n kos<span class=\"__12 _768\"/>tnadsf<span class=\"__12 _768\"/>\u00f6rs i den peri-<span class=\"__12 _777\"> </span>od d\u00e5 de anst\u00e4llda utf<span class=\"__12 _768\"/>\u00f6r tj\u00e4nster f<span class=\"__12 _768\"/>\u00f6r Nordea.<span class=\"__12 _777\"> </span>A<span class=\"__12 _a_11\"/>vg\u00e5ngsvederlag<span class=\"__12 _777\"> </span>A<span class=\"__12 _768\"/>vg\u00e5ngsv<span class=\"__12 _768\"/>ederlag blir normalt ak<span class=\"__12 _768\"/>tuellt n\u00e4r en anst\u00e4llning<span class=\"__12 _777\"> </span> avsl<span class=\"__12 _768\"/>utas f\u00f6r<span class=\"__12 _768\"/>e pensionsdagen eller om en anst\u00e4lld ac<span class=\"__12 _768\"/>cepter<span class=\"__12 _768\"/>ar<span class=\"__12 _777\"> </span> ett erbjudande om frivillig a<span class=\"__12 _768\"/>vg\u00e5ng.<span class=\"__12 _777\"> </span>A<span class=\"__12 _768\"/>vg\u00e5ngsv<span class=\"__12 _768\"/>ederlag kostnadsf<span class=\"__12 _768\"/>\u00f6rs n\u00e4r <span class=\"ws5_11\">Nordea</span> har en skyldig<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>het att g\u00f6ra betalningen. En skyldighet upps<span class=\"__12 _768\"/>t\u00e5r n\u00e4r en f<span class=\"__12 _768\"/>ormell<span class=\"__12 _777\"> </span> plan har beslutats p\u00e5 l\u00e4mplig or<span class=\"__12 _768\"/>ganisatorisk niv<span class=\"__12 _768\"/>\u00e5 och n\u00e4r det<span class=\"__12 _777\"> </span> inte \ufb01nns en r<span class=\"__12 _768\"/>ealistisk m\u00f6jlighet f<span class=\"__12 _768\"/>\u00f6r <span class=\"ws5_11\">Nordea</span> att dr<span class=\"__12 _768\"/>a sig ur<span class=\"__12 _a_11\"/>, vilket<span class=\"__12 _777\"> </span> normalt anses uppfyll<span class=\"__12 _768\"/>t n\u00e4r planen har kommunicera<span class=\"__12 _768\"/>ts till<span class=\"__12 _777\"> </span> ber\u00f6rda medarbetar<span class=\"__12 _768\"/>e eller deras repr<span class=\"__12 _768\"/>esent<span class=\"__12 _768\"/>anter<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span> A<span class=\"__12 _768\"/>vg\u00e5ngsv<span class=\"__12 _768\"/>ederlag kan innef<span class=\"__12 _768\"/>atta b\u00e5de kortfris<span class=\"__12 _768\"/>tiga ers\u00e4ttning<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>ar<span class=\"__12 _a_11\"/>, till exempel ett an<span class=\"__12 _768\"/>tal m\u00e5nadsl\u00f6ner<span class=\"__12 _a_11\"/>, och er<span class=\"__12 _b_11\"/>s\u00e4ttningar efter<span class=\"__12 _777\"> </span> avsl<span class=\"__12 _768\"/>utad anst\u00e4llning, normalt i f<span class=\"__12 _768\"/>orm a<span class=\"__12 _768\"/>v f<span class=\"__12 _768\"/>\u00f6rtidspensionering<span class=\"__12 _777\"> </span>.<span class=\"__12 _777\"> </span> Nordeas kortsiktiga incit<span class=\"__12 _768\"/>amentsprogr<span class=\"__12 _768\"/>am<span class=\"__12 _777\"> </span>Nordea har kortsiktiga incitamen<span class=\"__12 _768\"/>tsprogr<span class=\"__12 _768\"/>am (STIP<span class=\"__12 _a_11\"/>, short term<span class=\"__12 _777\"> </span> incentiv<span class=\"__12 _768\"/>e plan). Hit r\u00e4knas Nordeas incit<span class=\"__12 _768\"/>amentsprogr<span class=\"__12 _768\"/>am<span class=\"__12 _777\"> </span> (NIP), som erbjuds koncernchef<span class=\"__12 _768\"/>en och medlemmarna i kon-<span class=\"__12 _777\"> </span>cernledningen samt, efter s\u00e4rskild inbjudan, andra ans<span class=\"__12 _768\"/>t\u00e4llda,<span class=\"__12 _777\"> </span>och Nordeas bonusprogr<span class=\"__12 _768\"/>am f\u00f6r utv<span class=\"__12 _768\"/>alda medarbetare i speci-<span class=\"__12 _777\"> </span><span class=\"__12 _777\">\ufb01ka aff</span><span class=\"__12 _768\"/>\u00e4rsomr\u00e5den eller enheter efter godk\u00e4nnande a<span class=\"__12 _a_11\"/>v styrel-<span class=\"__12 _777\"> </span>sen. NIP ska huvudsakligen an<span class=\"__12 _768\"/>v\u00e4ndas f<span class=\"__12 _768\"/>\u00f6r roller d\u00e4r r<span class=\"__12 _768\"/>\u00f6rlig<span class=\"__12 _777\"> </span> ers\u00e4ttning \u00e4r utbredd marknadspraxis och ut<span class=\"__12 _768\"/>g\u00f6r en betydan-<span class=\"__12 _777\"> </span>de del av den samlade ers\u00e4ttningen.<span class=\"__12 _777\"> </span>STIP har erbjudits under fler<span class=\"__12 _768\"/>a \u00e5r<span class=\"__12 _a_11\"/>, i huvudsak i form av e<span class=\"__12 _768\"/>x<span class=\"__12 _768\"/>e-<span class=\"__12 _777\"> </span>cutive incen<span class=\"__12 _768\"/>tive progr<span class=\"__12 _768\"/>amme (EIP) och under 2022 i form a<span class=\"__12 _a_11\"/>v<span class=\"__12 _777\"> </span> NIP som har liknande villk<span class=\"__12 _768\"/>or<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>STIP har en r<span class=\"__12 _768\"/>esulta<span class=\"__12 _768\"/>tm\u00e4tningsperiod p\u00e5 ett \u00e5r och betalas ut<span class=\"__12 _777\"> </span> till deltagarna genom kon<span class=\"__12 _768\"/>tan<span class=\"__12 _768\"/>t ers\u00e4ttning och tilldelning av<span class=\"__12 _777\"> </span> aktier<span class=\"__12 _a_11\"/>. F\u00f6r delar a<span class=\"__12 _768\"/>v tilldelningen till\u00e4mpas en uppskjutande-<span class=\"__12 _777\"> </span>period med \u00e5rlig \u00f6verl\u00e5<span class=\"__12 _768\"/>telse i lika st<span class=\"__12 _768\"/>ora delar under de f<span class=\"__12 _768\"/>\u00f6ljan-<span class=\"__12 _777\"> </span>de fyra eller f<span class=\"__12 _768\"/>em \u00e5ren och en kvarh\u00e5llandeperiod om  12 m\u00e5nader<span class=\"__12 _a_11\"/>. R\u00f6rlig ers\u00e4ttning som betalas i kontan<span class=\"__12 _768\"/>ter och in<span class=\"__12 _768\"/>te<span class=\"__12 _777\"> </span> \u00e4r kopplad till utvecklingen f<span class=\"__12 _768\"/>\u00f6r Nordeas ak<span class=\"__12 _768\"/>tiekurs kos<span class=\"__12 _768\"/>tnads-<span class=\"__12 _777\"> </span>f\u00f6rs i samband med in<span class=\"__12 _768\"/>tj\u00e4nandet och inkluderas under \u201dF<span class=\"__12 _a_11\"/>ast<span class=\"__12 _777\"> </span> och r\u00f6rlig l\u00f6n\u201d nedan. Intj\u00e4nad och uppskjut<span class=\"__12 _768\"/>en aktiebaser<span class=\"__12 _768\"/>ad<span class=\"__12 _777\"> </span> ers\u00e4ttning, som ocks\u00e5 kostnadsf<span class=\"__12 _768\"/>\u00f6rts som \u201dF<span class=\"__12 _768\"/>ast och r<span class=\"__12 _768\"/>\u00f6rlig l\u00f6n\u201d<span class=\"__12 _777\"> </span> i tabellen nedan, redovisas separ<span class=\"__12 _768\"/>at i no<span class=\"__12 _768\"/>t K8.3 \u201d<span class=\"__12 _a_11\"/>Aktier<span class=\"__12 _768\"/>elater<span class=\"__12 _768\"/>ade<span class=\"__12 _777\"> </span> ers\u00e4ttningsprogram\u201d<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>Personalkos<span class=\"__12 _768\"/>tnader<span class=\"__12 _777\"> </span>Mn euro<span class=\"__12 _c_11\"> </span>2022<span class=\"__12 _d_11\"> </span>2021<span class=\"__12 _777\"> </span>F<span class=\"__12 _768\"/><span class=\"__12 _777\">ast och r\u00f6rlig l\u00f6n1</span><span class=\"__12 _e_11\"> </span>-2 195<span class=\"__12 _f_11\"> </span>-2 145<span class=\"__12 _777\"> </span>Pensionskos<span class=\"__12 _768\"/>tnader (speci\ufb01kation nedan)<span class=\"__12 _778\"> </span><span class=\"ls3_11 ws3_11\">-27<span class=\"__12 _b_11\"/>7<span class=\"__12 _779\"> </span>-27<span class=\"__12 _b_11\"/>9<span class=\"__12 _777\"> </span></span>Sociala avgift<span class=\"__12 _768\"/>er<span class=\"__12 _780\"> </span>-407<span class=\"__12 _781\"> </span>-402<span class=\"__12 _777\"> </span><span class=\"__12 _777\">\u00d6vriga personalkostnader2</span><span class=\"__12 _782\"> </span> 44<span class=\"__12 _783\"> </span>67<span class=\"__12 _777\"> </span>Summa<span class=\"__12 _784\"> </span>-2 835<span class=\"__12 _785\"> </span>-2 759<span class=\"__12 _777\"> </span>1)   <span class=\"__12 _786\"/>A<span class=\"__12 _768\"/>vs\u00e4ttning f\u00f6r vins<span class=\"__12 _768\"/>tandel 2022 uppgick till 67 mn euro (57 mn euro<span class=\"__12 _768\"/>) vara<span class=\"__12 _768\"/>v 67 mn<span class=\"__12 _777\"> </span> euro (62 mn euro) \u00e4r en ny a<span class=\"__12 _768\"/>vs\u00e4ttning och 0 mn euro (-5 mn eur<span class=\"__12 _768\"/>o) \u00e4r en justering<span class=\"__12 _777\"> </span> relaterad till tidigar<span class=\"__12 _768\"/>e \u00e5r<span class=\"__12 _768\"/>.<span class=\"__12 _777\"> </span>2)   <span class=\"__12 _786\"/>Inkluderat kapitalisering a<span class=\"__12 _768\"/>v IT<span class=\"__12 _768\"/>-projek<span class=\"__12 _768\"/>t med 126 mn euro (138 mn euro)<span class=\"__12 _777\"> </span>.<span class=\"__12 _777\"> </span>K8.2 Pensioner<span class=\"__12 _777\"> </span>Redovisningsprinciper<span class=\"__12 _777\"> </span>A<span class=\"__12 _a_11\"/>vgiftsbest\u00e4mda planer<span class=\"__12 _777\"> </span>Pensioner som baser<span class=\"__12 _768\"/>as p\u00e5 a<span class=\"__12 _768\"/>vgiftsbest\u00e4mda pensionsplaner<span class=\"__12 _777\"> </span> medf\u00f6r in<span class=\"__12 _768\"/>te n\u00e5got pensions\u00e5<span class=\"__12 _768\"/>tagande f<span class=\"__12 _768\"/>\u00f6r Nordea. Sam<span class=\"__12 _768\"/>tliga<span class=\"__12 _777\"> </span> f\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4mda pensionsplaner \u00e4r st\u00e4ngda f<span class=\"__12 _768\"/>\u00f6r ny<span class=\"__12 _768\"/>a delta<span class=\"__12 _768\"/>-<span class=\"__12 _777\"> </span>gare. Dessa erbjuds ist\u00e4llet a<span class=\"__12 _a_11\"/>vgiftsbest\u00e4mda pensionsplaner<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span> Pensionskos<span class=\"__12 _768\"/>tnader f\u00f6r a<span class=\"__12 _a_11\"/>vgiftsbest\u00e4mda pensionsplaner redo-<span class=\"__12 _777\"> </span>visas som en kostnad i den tak<span class=\"__12 _768\"/>t de in<span class=\"__12 _768\"/>tj\u00e4nas genom att de<span class=\"__12 _777\"> </span> anst\u00e4llda utf<span class=\"__12 _768\"/>\u00f6r tj\u00e4nster \u00e5<span class=\"__12 _768\"/>t f\u00f6r<span class=\"__12 _768\"/>etaget och a<span class=\"__12 _768\"/>vgifterna f<span class=\"__12 _768\"/>\u00f6r dessa<span class=\"__12 _777\"> </span> tj\u00e4nster f<span class=\"__12 _768\"/>\u00f6rfaller till betalning. Betalningen sk<span class=\"__12 _768\"/>er normalt i<span class=\"__12 _777\"> </span> samband med regelbundna l\u00f6neutbetalningar<span class=\"__12 _a_11\"/>. Nordea bidrar<span class=\"__12 _777\"> </span> <span class=\"__12 _777\">ocks\u00e5 till offen</span><span class=\"__12 _768\"/>tliga pensionssyst<span class=\"__12 _768\"/>em.<span class=\"__12 _777\"> </span> F<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbest\u00e4mda planer<span class=\"__12 _777\"> </span>IAS 19 s\u00e4kerst\u00e4ller att pensionsf<span class=\"__12 _768\"/>\u00f6rplik<span class=\"__12 _768\"/>telserna, minska<span class=\"__12 _768\"/>t med<span class=\"__12 _777\"> </span> v\u00e4rdet a<span class=\"__12 _768\"/>v de f<span class=\"__12 _768\"/>\u00f6rvaltningstillg\u00e5ngar som t<span class=\"__12 _768\"/>\u00e4cker dessa f<span class=\"__12 _768\"/>\u00f6rplik-<span class=\"__12 _777\"> </span>telser<span class=\"__12 _a_11\"/>, redovisas i koncernens balansr\u00e4kning. De s<span class=\"__12 _768\"/>t\u00f6rre f<span class=\"__12 _768\"/>\u00f6r-<span class=\"__12 _777\"> </span>m\u00e5nsbest\u00e4mda pensionsplanerna \u00e4r f<span class=\"__12 _768\"/>onderade och t\u00e4cks a<span class=\"__12 _768\"/>v<span class=\"__12 _777\"> </span> tillg\u00e5ngar i pensionskassor<span class=\"__12 _768\"/>/pensionsstift<span class=\"__12 _768\"/>elser<span class=\"__12 _a_11\"/>. Om verkligt<span class=\"__12 _777\"> </span> v\u00e4rde p\u00e5 f<span class=\"__12 _768\"/>\u00f6rvaltningstill<span class=\"__12 _768\"/>g\u00e5ngar h\u00e4nf<span class=\"__12 _768\"/>\u00f6rliga till en speci\ufb01k pen-<span class=\"__12 _777\"> </span>sionsplan \u00e4r l\u00e4gre \u00e4n nuv\u00e4r<span class=\"__12 _768\"/>det, brutto, av den f<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbe-<span class=\"__12 _777\"> </span>st\u00e4mda f<span class=\"__12 _768\"/>\u00f6rplikt<span class=\"__12 _768\"/>elsen fas<span class=\"__12 _768\"/>tst\u00e4lld enligt \u201dpr<span class=\"__12 _768\"/>ojected unit credit<span class=\"__12 _777\"> </span> method\u201d<span class=\"__12 _a_11\"/>, redovisas nettobeloppet som en sk<span class=\"__12 _768\"/>uld (\u201dPensions-<span class=\"__12 _777\"> </span>f\u00f6rplik<span class=\"__12 _768\"/>telser\u201d). I det omv\u00e4nda fallet redo<span class=\"__12 _768\"/>visas nettobeloppet<span class=\"__12 _777\"> </span> som en tillg\u00e5ng (\u201dPensions<span class=\"__12 _768\"/>tillg\u00e5ngar<span class=\"__12 _b_11\"/>\u201d). Icke-fonderade pen-<span class=\"__12 _777\"> </span>sionsplaner redovisas som \u201dP<span class=\"__12 _768\"/>ensionsf<span class=\"__12 _768\"/>\u00f6rpliktels<span class=\"__12 _768\"/>er<span class=\"__12 _b_11\"/>\u201d<span class=\"__12 _a_11\"/>.  Nordeas nettof<span class=\"__12 _768\"/>\u00f6rplik<span class=\"__12 _768\"/>telse f<span class=\"__12 _768\"/>\u00f6r f\u00f6rm\u00e5nsbe<span class=\"__12 _768\"/>st\u00e4mda pensions-<span class=\"__12 _777\"> </span>planer ber\u00e4knas separa<span class=\"__12 _768\"/>t f<span class=\"__12 _768\"/>\u00f6r varje plan genom en uppskatt-<span class=\"__12 _777\"> </span>ning av det ers\u00e4ttningsbelopp s<span class=\"__12 _768\"/>om de anst\u00e4llda har in<span class=\"__12 _768\"/>tj\u00e4nat<span class=\"__12 _777\"> </span> under innevarande period och tidigar<span class=\"__12 _768\"/>e perioder i utbyte mo<span class=\"__12 _768\"/>t<span class=\"__12 _777\"> </span>sina tj\u00e4nster<span class=\"__12 _a_11\"/>. Ers\u00e4ttningsbeloppet diskonter<span class=\"__12 _768\"/>as f<span class=\"__12 _768\"/>\u00f6r att f<span class=\"__12 _768\"/>astst\u00e4lla dess nuv\u00e4rde. <span class=\"__12 _768\"/>Ak<span class=\"__12 _768\"/>tuariella ber\u00e4kningar<span class=\"__12 _a_11\"/>, bland annat \u201dprojected unit credit method\u201d<span class=\"__12 _a_11\"/>, anv\u00e4nds f<span class=\"__12 _768\"/>\u00f6r att f<span class=\"__12 _768\"/>asts<span class=\"__12 _768\"/>t\u00e4lla nuv\u00e4rdet a<span class=\"__12 _a_11\"/>v f\u00f6r-<span class=\"__12 _777\"> </span>m\u00e5nsbest\u00e4mda f<span class=\"__12 _768\"/>\u00f6rplikt<span class=\"__12 _768\"/>elser och kostnader h\u00e4n<span class=\"__12 _768\"/>f<span class=\"__12 _768\"/>\u00f6rliga till dessa. Ber\u00e4kningarna baser<span class=\"__12 _768\"/>as p\u00e5 ett antal ak<span class=\"__12 _768\"/>tuariella och \ufb01nansiella antaganden. K<span class=\"__12 _768\"/>ostnader a<span class=\"__12 _768\"/>vseende tj\u00e4nst<span class=\"__12 _768\"/>g\u00f6ring innevarande och tidigar<span class=\"__12 _768\"/>e \u00e5r redovisas i r<span class=\"__12 _768\"/>esulta<span class=\"__12 _768\"/>tr\u00e4kningen f<span class=\"__12 _768\"/>\u00f6r innevarande \u00e5r<span class=\"__12 _a_11\"/>. Kostnader a<span class=\"__12 _a_11\"/>vseende tj\u00e4nstg\u00f6ring innevaran-<span class=\"__12 _777\"> </span>de \u00e5r de\ufb01nieras som en \u00f6kning a<span class=\"__12 _768\"/>v nuv\u00e4r<span class=\"__12 _768\"/>det f\u00f6r f<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbe-<span class=\"__12 _777\"> </span>st\u00e4mda f<span class=\"__12 _768\"/>\u00f6rplikt<span class=\"__12 _768\"/>elser till f\u00f6ljd a<span class=\"__12 _a_11\"/>v anst\u00e4lldas tj\u00e4nstg\u00f6ring under innevarande period. K<span class=\"__12 _768\"/>ostnader a<span class=\"__12 _a_11\"/>vseende tj\u00e4nstg\u00f6ring tidigare \u00e5r de\ufb01nieras som f<span class=\"__12 _768\"/>\u00f6r\u00e4ndringen i nuv<span class=\"__12 _768\"/>\u00e4rdet f<span class=\"__12 _768\"/>\u00f6r f\u00f6rm\u00e5nsbe-<span class=\"__12 _777\"> </span>st\u00e4mda f<span class=\"__12 _768\"/>\u00f6rplikt<span class=\"__12 _768\"/>elser f\u00f6r ans<span class=\"__12 _768\"/>t\u00e4lldas tj\u00e4nst<span class=\"__12 _768\"/>g\u00f6ring under tidigare perioder som utl\u00f6ses a<span class=\"__12 _768\"/>v plan\u00e4ndringar eller -reduceringar<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>F\u00f6rplik<span class=\"__12 _768\"/>telsens nuv<span class=\"__12 _768\"/>\u00e4rde och even<span class=\"__12 _768\"/>tuella f<span class=\"__12 _768\"/>\u00f6rvaltningstillg\u00e5ng-<span class=\"__12 _777\"> </span>ars verkliga v\u00e4rde kan p\u00e5<span class=\"__12 _768\"/>v<span class=\"__12 _768\"/>erkas av \u00e4ndr<span class=\"__12 _768\"/>ade aktuariella an<span class=\"__12 _768\"/>ta<span class=\"__12 _768\"/>-<span class=\"__12 _777\"> </span>ganden (diskon<span class=\"__12 _768\"/>teringsr\u00e4n<span class=\"__12 _768\"/>tor (r<span class=\"__12 _768\"/>\u00e4ntor och kr<span class=\"__12 _768\"/>editspreadar), inflation, l\u00f6ne\u00f6kningar<span class=\"__12 _a_11\"/>, personaloms\u00e4ttning och livsl\u00e4ngd) och erfarenhetsm\u00e4ssiga a<span class=\"__12 _768\"/>vvikelser<span class=\"__12 _a_11\"/>, inklusive verkligt utf<span class=\"__12 _768\"/>all j\u00e4mf<span class=\"__12 _768\"/>\u00f6rt med antaganden. Dessa omv<span class=\"__12 _768\"/><span class=\"__12 _777\">\u00e4rderingseff</span><span class=\"__12 _768\"/>ek<span class=\"__12 _768\"/>ter redo<span class=\"__12 _768\"/>vi-<span class=\"__12 _777\"> </span>sas direkt mo<span class=\"__12 _768\"/>t eget kapital via \u00f6vrigt t<span class=\"__12 _768\"/>otalre<span class=\"__12 _768\"/>sultat. Diskont<span class=\"__12 _768\"/>eringsr\u00e4n<span class=\"__12 _768\"/>tan baseras p\u00e5 f<span class=\"__12 _768\"/>\u00f6retags<span class=\"__12 _768\"/>obligationer med h\u00f6ga kreditbetyg, d\u00e4r en tillr<span class=\"__12 _768\"/>\u00e4ckligt djup marknad exis<span class=\"__12 _768\"/>terar f\u00f6r s\u00e5dana obliga<span class=\"__12 _768\"/>tioner<span class=\"__12 _a_11\"/>. S\u00e4kerst\u00e4llda obligationer anses i detta sammanhang vara f<span class=\"__12 _768\"/>\u00f6ret<span class=\"__12 _768\"/>agsobligationer<span class=\"__12 _a_11\"/>. I Sverige, Norge och Danmark baseras disk<span class=\"__12 _768\"/>onteringsr<span class=\"__12 _768\"/>\u00e4nt<span class=\"__12 _768\"/>an p\u00e5 s\u00e4ker-<span class=\"__12 _777\"> </span>st\u00e4llda obligationer<span class=\"__12 _a_11\"/>, medan den i Finland och Storbritannien baseras p\u00e5 f<span class=\"__12 _768\"/>\u00f6retagsobliga<span class=\"__12 _768\"/>tioner<span class=\"__12 _a_11\"/>. I Sverige, Norge, Finland och Danmark h\u00e4rleds obligationernas kreditspr<span class=\"__12 _768\"/>ead \u00f6ver sw<span class=\"__12 _768\"/>app-<span class=\"__12 _777\"> </span>kurvan fr<span class=\"__12 _768\"/>\u00e5n s\u00e4kerst\u00e4llda obligationer eller f<span class=\"__12 _768\"/>\u00f6ret<span class=\"__12 _768\"/>agsobligatio-<span class=\"__12 _777\"> </span>ner med l\u00e4ngre l\u00f6ptid och e<span class=\"__12 _768\"/>xtrapoler<span class=\"__12 _768\"/>as till samma dura<span class=\"__12 _768\"/>tion som pensionsf\u00f6rplik<span class=\"__12 _768\"/>telserna med hj\u00e4lp a<span class=\"__12 _a_11\"/>v relevanta sw<span class=\"__12 _768\"/>app-<span class=\"__12 _777\"> </span>kurvor<span class=\"__12 _a_11\"/>. I Storbritannien extrapoler<span class=\"__12 _768\"/>as f<span class=\"__12 _768\"/>\u00f6retagsobligationernas kreditspread mot s<span class=\"__12 _768\"/>tatsobliga<span class=\"__12 _768\"/>tioner till samma dura<span class=\"__12 _768\"/>tion som pensionsf\u00f6rplik<span class=\"__12 _768\"/>telserna med hj\u00e4lp a<span class=\"__12 _768\"/>v st<span class=\"__12 _768\"/>atsobligationsk<span class=\"__12 _768\"/>urvan. N\u00e4r ber\u00e4kningen resul<span class=\"__12 _768\"/>terar i en netto<span class=\"__12 _768\"/>tillg\u00e5ng begr\u00e4nsas det redovisade v<span class=\"__12 _768\"/>\u00e4rdet p\u00e5 tillg\u00e5ngen till nuv\u00e4r<span class=\"__12 _768\"/>det av f<span class=\"__12 _768\"/>ram<span class=\"__12 _768\"/>tida \u00e5terbetalningar f<span class=\"__12 _768\"/>r\u00e5n eller minskade inbetalningar till planen. S\u00e4rskild l\u00f6neskatt och socialf<span class=\"__12 _768\"/>\u00f6rs\u00e4kringsav<span class=\"__12 _768\"/>gifter ber\u00e4knas och redovisas baser<span class=\"__12 _768\"/>at p\u00e5 redo<span class=\"__12 _768\"/>visat netto\u00f6<span class=\"__12 _768\"/>verskott eller net-<span class=\"__12 _777\"> </span>tounderskott per plan och ing\u00e5r i balansr<span class=\"__12 _768\"/>\u00e4kningen som \u201dPen-<span class=\"__12 _777\"> </span>sionsf\u00f6rplik<span class=\"__12 _768\"/>telser\u201d eller \u201dPensionstillg\u00e5ngar<span class=\"__12 _b_11\"/>\u201d<span class=\"__12 _777\"> </span><span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>Kritiska bed\u00f6mningar och os\u00e4kerhet i uppska<span class=\"__12 _768\"/>ttningar F\u00f6rplik<span class=\"__12 _768\"/>telser f<span class=\"__12 _768\"/>\u00f6r f<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbest\u00e4mda pensioner f<span class=\"__12 _768\"/>ramr\u00e4knas f<span class=\"__12 _768\"/>\u00f6r de st\u00f6rre pensionsplanerna a<span class=\"__12 _a_11\"/>v externa aktuarier med hj\u00e4lp a<span class=\"__12 _768\"/>v demogra\ufb01ska an<span class=\"__12 _768\"/>taganden baser<span class=\"__12 _768\"/>ade p\u00e5 aktuella bef<span class=\"__12 _768\"/>olknings-<span class=\"__12 _777\"> </span>data. Ber\u00e4kningarna bas<span class=\"__12 _768\"/>eras p\u00e5 ett an<span class=\"__12 _768\"/>tal aktuariella och \ufb01nansiella parametrar<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>Uppskattningen a<span class=\"__12 _768\"/>v diskon<span class=\"__12 _768\"/>teringsr\u00e4n<span class=\"__12 _768\"/>tan \u00e4r f<span class=\"__12 _768\"/>\u00f6renad med os\u00e4kerhet om huruvida marknaden f<span class=\"__12 _768\"/>\u00f6r f\u00f6r<span class=\"__12 _768\"/>etagsobligationer \u00e4r tillr\u00e4ckligt djup och h\u00e5ller h\u00f6g kvalit<span class=\"__12 _768\"/>et. Os\u00e4kerhet \ufb01nns \u00e4v<span class=\"__12 _768\"/>en kring extr<span class=\"__12 _768\"/>apoleringen a<span class=\"__12 _768\"/>v r\u00e4n<span class=\"__12 _768\"/>tekurvor f<span class=\"__12 _768\"/>\u00f6r relev<span class=\"__12 _768\"/>ant<span class=\"__12 _768\"/>a l\u00f6pti-<span class=\"__12 _777\"> </span>der<span class=\"__12 _a_11\"/>. Andra parametrar<span class=\"__12 _a_11\"/>, s\u00e5som antaganden om l\u00f6ne\u00f6kningar och inflation, bas<span class=\"__12 _768\"/>eras p\u00e5 den f<span class=\"__12 _768\"/>\u00f6rv\u00e4ntade l\u00e5ngsik<span class=\"__12 _768\"/>tiga utveck<span class=\"__12 _768\"/>-<span class=\"__12 _777\"> </span>lingen f\u00f6r dessa par<span class=\"__12 _768\"/>ametrar och \u00e4r ocks\u00e5 f<span class=\"__12 _768\"/>\u00f6renade med os\u00e4<span class=\"__12 _768\"/>-<span class=\"__12 _777\"> </span>kerhet i uppskattningarna. De vik<span class=\"__12 _768\"/>tigaste par<span class=\"__12 _768\"/>ametrarna som anv\u00e4ndes vid \u00e5rsskiftet r<span class=\"__12 _768\"/>edovisas tillsammans med en beskrivning av k<span class=\"__12 _768\"/>\u00e4nsligheten f\u00f6r f<span class=\"__12 _a_11\"/>\u00f6r\u00e4ndringar i antagandena. F\u00f6rplik<span class=\"__12 _768\"/>telser f<span class=\"__12 _768\"/>\u00f6r f<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbest\u00e4mda pensioner uppgick vid <span class=\"__12 _777\">\u00e5rets slut till 2 910 mn euro (3 801 mn eur</span><span class=\"__12 _768\"/>o).<span class=\"__12 _777\"> </span>Pensionsk<span class=\"__12 _768\"/>ostnader<span class=\"__12 _777\"> </span>F\u00f6r<span class=\"__12 _768\"/>etagen inom Nordea har olika pensionsplaner<span class=\"__12 _a_11\"/>. De utg\u00f6rs av b\u00e5de f<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4mda och av<span class=\"__12 _768\"/>giftsbest\u00e4mda planer<span class=\"__12 _a_11\"/>, i enlighet med nationell praxis och de villk<span class=\"__12 _768\"/>or som g\u00e4ller i de l\u00e4nder d\u00e4r Nordea verkar<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>Mn euro<span class=\"__12 _c_11\"> </span>2022<span class=\"__12 _d_11\"> </span>2021<span class=\"__12 _777\"> </span>A<span class=\"__12 _768\"/>vgiftsbest<span class=\"__12 _768\"/>\u00e4mda pensionsplaner<span class=\"__12 _1b_8\"> </span><span class=\"ls3_11 ws3_11\">-23<span class=\"__12 _b_11\"/>6<span class=\"__12 _779\"> </span>-2<span class=\"__12 _b_11\"/>35<span class=\"__12 _777\"> </span></span>F\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/><span class=\"__12 _777\">t\u00e4mda pensionsplaner1</span><span class=\"__12 _1c_8\"> </span>-41<span class=\"__12 _1d_8\"> </span>-44<span class=\"__12 _777\"> </span>Summa<span class=\"__12 _1e_8\"> </span><span class=\"ls3_11 ws3_11\">-27<span class=\"__12 _b_11\"/>7<span class=\"__12 _1f_8\"> </span>-27<span class=\"__12 _b_11\"/>9<span class=\"__12 _777\"> </span></span>1)  Exklusive s\u00e4rskild l\u00f6neskatt i Sverige och s<span class=\"__12 _768\"/>ocialf\u00f6rs\u00e4kringsav<span class=\"__12 _768\"/>gifter i Norge total<span class=\"__12 _768\"/>t -10 mn euro (-11 mn euro).<span class=\"__12 _777\"> </span>A<span class=\"__12 _768\"/>v<span class=\"__12 _768\"/>giftsbest\u00e4mda pensionsplaner<span class=\"__12 _777\"> </span>Alla nyans<span class=\"__12 _768\"/>t\u00e4llda har erbjudits a<span class=\"__12 _768\"/>vgiftsbest<span class=\"__12 _768\"/>\u00e4mda pensionspla-<span class=\"__12 _777\"> </span>ner sedan 2013, n\u00e4r den f\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4mda pensionsplanen i Sverige s<span class=\"__12 _768\"/>t\u00e4ngdes f<span class=\"__12 _768\"/>\u00f6r nya del<span class=\"__12 _768\"/>tagare. <span class=\"__12 _768\"/>A<span class=\"__12 _768\"/>v<span class=\"__12 _768\"/>giftsbest\u00e4mda pen-<span class=\"__12 _777\"> </span>sionsplaner f\u00f6ljer k<span class=\"__12 _768\"/>ollektiv<span class=\"__12 _768\"/>avt<span class=\"__12 _768\"/>alen och best\u00e4mmelserna i r<span class=\"__12 _768\"/>es-<span class=\"__12 _777\"> </span>pektiv<span class=\"__12 _768\"/>e land. I Norge omf<span class=\"__12 _768\"/>attas Nor<span class=\"__12 _768\"/>dea a<span class=\"__12 _768\"/>v en kollek<span class=\"__12 _768\"/>tiva<span class=\"__12 _768\"/>vtalad pensions-<span class=\"__12 _777\"> </span>plan som g\u00e4ller f\u00f6r fler<span class=\"__12 _768\"/>a arbetsgivar<span class=\"__12 _768\"/>e i den privat<span class=\"__12 _768\"/>a sekt<span class=\"__12 _768\"/>orn (AFP). Planen ger ber\u00f6r<span class=\"__12 _768\"/>da medarbetare ett livsl\u00e5ngt till\u00e4gg till den normala pensionen. Eftersom uppgifter saknas om Nordeas andel a<span class=\"__12 _768\"/>v skulderna/tillg\u00e5ngarna och pensionskos<span class=\"__12 _768\"/>t-<span class=\"__12 _777\"> </span>naderna i planen, redovisas <span class=\"__12 _768\"/>AFP<span class=\"__12 _768\"/> som en av<span class=\"__12 _768\"/>giftsbest\u00e4md pen-<span class=\"__12 _777\"> </span>sionsplan i enlighet med IAS 19.<span class=\"__12 _777\"> </span>AFP \ufb01nansier<span class=\"__12 _768\"/>as genom en \u00e5rspremie som f<span class=\"__12 _768\"/>\u00f6r 2022 motsva<span class=\"__12 _768\"/>-<span class=\"__12 _777\"> </span>rade 2,6 procen<span class=\"__12 _768\"/>t a<span class=\"__12 _768\"/>v medarbetarnas l\u00f6n mellan 1 och 7<span class=\"__12 _a_11\"/>,<span class=\"__12 _a_11\"/>1 g\u00e5ng-<span class=\"__12 _777\"> </span>er det norska basbeloppet f\u00f6r sociala a<span class=\"__12 _768\"/>vgift<span class=\"__12 _768\"/>er<span class=\"__12 _a_11\"/>. Premien f\u00f6r 2022 uppgick till 3 mn euro (3 mn euro<span class=\"__12 _768\"/>).<span class=\"__12 _777\"> </span>F\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4mda pensionsplaner<span class=\"__12 _777\"> </span>Planerna sk\u00f6ts i enlighet med na<span class=\"__12 _768\"/>tionella lagkra<span class=\"__12 _768\"/>v<span class=\"__12 _a_11\"/>, kollektiva<span class=\"__12 _768\"/>v-<span class=\"__12 _777\"> </span>tal och nationell praxis. De grundas alla p\u00e5 sl<span class=\"__12 _768\"/>utl\u00f6n och tj\u00e4ns-<span class=\"__12 _777\"> </span>te\u00e5r och ger pensionsf\u00f6rm\u00e5ner ut<span class=\"__12 _768\"/>\u00f6ver lags<span class=\"__12 _768\"/>tadgade system. I Sverige \u00e4r det 2 842 (3 087) medarbetare vars huvudsak<span class=\"__12 _768\"/>-<span class=\"__12 _777\"> </span>liga pension intj\u00e4nas i f<span class=\"__12 _768\"/>orm a<span class=\"__12 _768\"/>v f\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4mda pensionsr\u00e4<span class=\"__12 _768\"/>t-<span class=\"__12 _777\"> </span>ter<span class=\"__12 _a_11\"/>. I Finland \u00e4r det 1 27<span class=\"__12 _b_11\"/>3 (1 359) medarbetare som tj\u00e4nar in f\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4mda pensionsr\u00e4<span class=\"__12 _768\"/>tter som komplemen<span class=\"__12 _768\"/>t till den lagstadgade pensionsplanen (T<span class=\"__12 _a_11\"/>yEL). I Norge \u00e4r det 271 (297) medarbetare vars huvudsakliga pension in<span class=\"__12 _768\"/>tj\u00e4nas i form a<span class=\"__12 _a_11\"/>v f\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4mda pensionsr\u00e4<span class=\"__12 _768\"/>tter och 1 308 (1 231) medarbe-<span class=\"__12 _777\"> </span>tare har r\u00e4<span class=\"__12 _768\"/>tt till pensionsplaner f\u00f6r l\u00f6n s<span class=\"__12 _768\"/>om \u00f6verstiger t<span class=\"__12 _768\"/>olv basbelopp f\u00f6r sociala a<span class=\"__12 _a_11\"/>vgifter eller kompensation fr<span class=\"__12 _768\"/>\u00e5n de st\u00e4ngda f<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbest\u00e4mda pensionsplanerna 201<span class=\"__12 _768\"/>7<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>F<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbest\u00e4mda pensionstillg\u00e5ngar och -skul<span class=\"__12 _768\"/>der<span class=\"__12 _777\"> </span>Mn euro<span class=\"__12 _788\"> </span>31 dec 2022<span class=\"__12 _789\"> </span>31 dec 2021<span class=\"__12 _777\"> </span>Pensionsplaner med nettotill<span class=\"__12 _768\"/>g\u00e5ngar<span class=\"__12 _790\"> </span>165<span class=\"__12 _791\"> </span>221<span class=\"__12 _777\"> </span>Pensionsplaner med nettoskul<span class=\"__12 _768\"/>der<span class=\"__12 _792\"> </span>298<span class=\"__12 _793\"> </span>369<span class=\"__12 _777\"> </span>Nettoskuld(-)/-tillg\u00e5ng(+)<span class=\"__12 _794\"> </span>-133<span class=\"__12 _781\"> </span><span class=\"ls4_11 ws8_11\">-14<span class=\"__12 _b_11\"/>8<span class=\"__12 _777\"> </span></span>Skulderna t\u00e4cks normalt a<span class=\"__12 _768\"/>v tillg\u00e5ngar i s\u00e4rskilda pensionskassor<span class=\"__12 _768\"/>/-stiftelser eller a<span class=\"__12 _a_11\"/>v kreditf\u00f6rs\u00e4kringsavtal (endast S<span class=\"__12 _768\"/>verige). P<span class=\"__12 _768\"/>ensionskassor och pensionsstift<span class=\"__12 _768\"/>elser inne-<span class=\"__12 _777\"> </span>har b\u00e5de tillg\u00e5ngarna och pensionsf\u00f6rplik<span class=\"__12 _768\"/>telserna, f<span class=\"__12 _768\"/>\u00f6rutom i Sverige d\u00e4r pensionss<span class=\"__12 _768\"/>tiftelsen funger<span class=\"__12 _768\"/>ar som s\u00e4kerhet f<span class=\"__12 _768\"/>\u00f6r Nordeas pensionsf<span class=\"__12 _768\"/>\u00f6rpliktels<span class=\"__12 _768\"/>er<span class=\"__12 _a_11\"/>.  L\u00e4gsta f<span class=\"__12 _768\"/>onderingskra<span class=\"__12 _a_11\"/>v varierar f\u00f6r de olika pensionskas-<span class=\"__12 _777\"> </span>sorna/pensionsstift<span class=\"__12 _768\"/>elserna beroende p\u00e5 nationella lagkr<span class=\"__12 _768\"/>a<span class=\"__12 _768\"/>v<span class=\"__12 _a_11\"/>. I allm\u00e4nhet \u00e4r fonderingskr<span class=\"__12 _768\"/>av<span class=\"__12 _768\"/>et att pensionsf<span class=\"__12 _768\"/>\u00f6rplik<span class=\"__12 _768\"/>telserna,<span class=\"__12 _777\"> </span>ber\u00e4knade enligt nationella kr<span class=\"__12 _768\"/>av<span class=\"__12 _a_11\"/>, ska vara hel<span class=\"__12 _768\"/>t t\u00e4ckt<span class=\"__12 _768\"/>a av ett f\u00f6r<span class=\"__12 _768\"/>de\ufb01nierat \u00f6<span class=\"__12 _768\"/>verskott. Andr<span class=\"__12 _768\"/>a pensionsplaner omf<span class=\"__12 _768\"/>attas in<span class=\"__12 _768\"/>te av f<span class=\"__12 _768\"/>onderingskra<span class=\"__12 _a_11\"/>v och \u00e4r vanligtvis ofonderade. R<span class=\"__12 _768\"/>espek<span class=\"__12 _768\"/>tive Nordeaf<span class=\"__12 _768\"/>\u00f6retag som erbjuder f<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4mda pensionspla-<span class=\"__12 _777\"> </span>ner fungerar som uppdr<span class=\"__12 _768\"/>agsgivande f<span class=\"__12 _768\"/>\u00f6retag, i enlighet med EU:s IORP II-direk<span class=\"__12 _768\"/>tiv<span class=\"__12 _a_11\"/>. F\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4mda planer p\u00e5<span class=\"__12 _768\"/>verkar Nordea genom f<span class=\"__12 _768\"/>\u00f6r<span class=\"__12 _768\"/>\u00e4nd-<span class=\"__12 _777\"> </span>ringar i nuv\u00e4rdet a<span class=\"__12 _768\"/>v nettof<span class=\"__12 _a_11\"/>\u00f6rpliktelserna och/<span class=\"__12 _768\"/>eller f\u00f6r<span class=\"__12 _768\"/>\u00e4ndring-<span class=\"__12 _777\"> </span>ar i marknadsv\u00e4rdet p\u00e5 f<span class=\"__12 _768\"/>\u00f6rvaltningstill<span class=\"__12 _768\"/>g\u00e5ngarna.<span class=\"__12 _777\"> </span>Pensionsber<span class=\"__12 _768\"/>\u00e4kningar och antaganden enligt IAS 19<span class=\"__12 _777\"> </span>Ber\u00e4kningar f<span class=\"__12 _768\"/>\u00f6r st\u00f6rr<span class=\"__12 _768\"/>e planer utf\u00f6rs a<span class=\"__12 _768\"/>v ex<span class=\"__12 _768\"/>terna ak<span class=\"__12 _768\"/>tuarier och baseras p\u00e5 ak<span class=\"__12 _768\"/>tuariella antaganden, s<span class=\"__12 _768\"/>om speglar f\u00f6rv\u00e4n<span class=\"__12 _768\"/>tning-<span class=\"__12 _777\"> </span>arna p\u00e5 l\u00e5ng sikt.<span class=\"__12 _777\"> </span><span class=\"__12 _777\">Antaganden1<span class=\"__12 _777\"> </span></span>SE<span class=\"__12 _795\"> </span>NO<span class=\"__12 _796\"> </span>FI<span class=\"__12 _797\"> </span>DK<span class=\"__12 _2a_6\"> </span>GB<span class=\"__12 _777\"> </span>2022<span class=\"__12 _777\"> </span>Diskonterings-<span class=\"__12 _777\"> </span>r\u00e4nt<span class=\"__12 _b_11\"/>a<span class=\"__12 _2b_6\"> </span><span class=\"ls0_12 ws0_12\">3,28 %<span class=\"__12 _2c_6\"> </span>3,40 %<span class=\"__12 _2d_6\"> </span>2,95 %<span class=\"__12 _2e_6\"> </span>3,20 %<span class=\"__12 _2f_6\"> </span>4,68 %<span class=\"__12 _777\"> </span></span>L\u00f6ne\u00f6kning<span class=\"__12 _798\"> </span>3,00 %<span class=\"__12 _2c_6\"> </span>3,50 %<span class=\"__12 _797\"> </span>3,<span class=\"__12 _a_11\"/>10 %<span class=\"__12 _799\"> </span>2,25 %<span class=\"__12 _800\"> </span>\u2013<span class=\"__12 _777\"> </span>Inflation<span class=\"__12 _d_11\"> </span>2,00 %<span class=\"__12 _2c_6\"> </span>2,00 %<span class=\"__12 _801\"> </span>2,60 %<span class=\"__12 _802\"> </span><span class=\"__12 _777\">\u20132</span><span class=\"__12 _803\"> </span>3,50 %<span class=\"__12 _777\"> </span>D\u00f6dlighet<span class=\"__12 _804\"> </span>DUS21<span class=\"__12 _805\"> </span>K2013BE<span class=\"__12 _2e_6\"> </span>Gompertz<span class=\"__12 _806\"> </span><span class=\"ls4_11 ws8_11\">FSA<span class=\"__12 _807\"> </span></span>S3PMA_L/<span class=\"__12 _777\"> </span>S3PF<span class=\"__12 _768\"/>A_M<span class=\"__12 _777\"> </span>3<span class=\"__12 _777\"> </span>2021<span class=\"__12 _777\"> </span>Diskonterings-<span class=\"__12 _777\"> </span>r\u00e4nt<span class=\"__12 _b_11\"/>a<span class=\"__12 _3a_7\"> </span><span class=\"ls0_12 ws0_12\">1,44 %<span class=\"__12 _2d_6\"> </span>1,96 %<span class=\"__12 _2c_6\"> </span>0,65 %<span class=\"__12 _3b_6\"> </span>1,05 %<span class=\"__12 _3c_6\"> </span>1,53 %<span class=\"__12 _777\"> </span></span>L\u00f6ne\u00f6kning<span class=\"__12 _798\"> </span>3,00 %<span class=\"__12 _2d_6\"> </span>2,25 %<span class=\"__12 _3d_6\"> </span>2,25 %<span class=\"__12 _799\"> </span>2,25 %<span class=\"__12 _800\"> </span>\u2013<span class=\"__12 _777\"> </span>Inflation<span class=\"__12 _d_11\"> </span>2,00 %<span class=\"__12 _3d_6\"> </span>1,50 %<span class=\"__12 _797\"> </span>1,<span class=\"__12 _768\"/>75 %<span class=\"__12 _802\"> </span><span class=\"__12 _777\">\u20132</span><span class=\"__12 _2f_6\"> </span>3,00 %<span class=\"__12 _777\"> </span>D\u00f6dlighet<span class=\"__12 _802\"> </span>DUS14<span class=\"__12 _805\"> </span>K2013BE<span class=\"__12 _2e_6\"> </span>Gompertz<span class=\"__12 _806\"> </span><span class=\"ls4_11 ws8_11\">FSA<span class=\"__12 _807\"> </span></span>S3PMA_L/<span class=\"__12 _777\"> </span>S3PF<span class=\"__12 _768\"/>A_M<span class=\"__12 _777\"> </span>3<span class=\"__12 _777\"> </span>1)   <span class=\"__12 _786\"/>Antagandena som anges f<span class=\"__12 _768\"/>\u00f6r 2022 har en inverkan p\u00e5 skuldber<span class=\"__12 _768\"/>\u00e4kningen vid slutet a<span class=\"__12 _768\"/>v 2022, medan antagandena som anges f<span class=\"__12 _768\"/>\u00f6r 2021 anv\u00e4nds f<span class=\"__12 _768\"/>\u00f6r ber\u00e4kning av pensions-<span class=\"__12 _777\"> </span>kostnaden 2022. 2)   <span class=\"__12 _786\"/>Alla pensioner i Danmark \u00e4r l\u00f6neindexer<span class=\"__12 _768\"/>ade. Inflationen har d\u00e4r<span class=\"__12 _768\"/>av ingen inv<span class=\"__12 _768\"/>erkan p\u00e5 pensionsf\u00f6rplikt<span class=\"__12 _768\"/>elsen. 3)   <span class=\"__12 _786\"/>Baserat p\u00e5 de grundtabeller och den modell f\u00f6r f<span class=\"__12 _768\"/>\u00f6rv\u00e4ntad livsl\u00e4ngd som publicer<span class=\"__12 _768\"/>ats av Con<span class=\"__12 _768\"/>tinuous Mortality Investigation (<span class=\"__12 _768\"/>CMI), d\u00e4r CMI:s prognoser f<span class=\"__12 _768\"/>\u00f6r 2021 har anv\u00e4nts i ber<span class=\"__12 _768\"/>\u00e4kningen f\u00f6r 2022, 2020-prognoserna f<span class=\"__12 _768\"/>\u00f6r 2021.<span class=\"__12 _777\"> </span>K\u00e4nsligheter \u2013 inv<span class=\"__12 _768\"/>erkan p\u00e5 pensionsf<span class=\"__12 _768\"/>\u00f6rplikt<span class=\"__12 _768\"/>else<span class=\"__12 _777\"> </span>%<span class=\"__12 _3e_6\"> </span>SE<span class=\"__12 _3c_6\"> </span>NO<span class=\"__12 _3f_6\"> </span>FI<span class=\"__12 _781\"> </span>DK<span class=\"__12 _1f_8\"> </span>GB<span class=\"__12 _777\"> </span>Diskonteringsr<span class=\"__12 _768\"/>\u00e4nta - \u00f6kning 50 pkt<span class=\"__12 _803\"> </span>-8,8 %<span class=\"__12 _808\"> </span>-7<span class=\"__12 _a_11\"/>,0 %<span class=\"__12 _809\"> </span>-5,3 %<span class=\"__12 _773\"> </span>-<span class=\"__12 _b_11\"/>4,0 %<span class=\"__12 _773\"> </span>-6,8 %<span class=\"__12 _777\"> </span>Diskonteringsr<span class=\"__12 _768\"/>\u00e4nta - minskning 50 pkt<span class=\"__12 _798\"> </span>9,3 %<span class=\"__12 _810\"> </span><span class=\"ls6_11 wsa_11\">7,<span class=\"__12 _b_11\"/>7<span class=\"__12 _b_11\"/> %<span class=\"__12 _811\"> </span></span>5,9 %<span class=\"__12 _812\"> </span>4,3 %<span class=\"__12 _811\"> </span>7<span class=\"__12 _768\"/>,6 %<span class=\"__12 _777\"> </span>L\u00f6ne\u00f6kning  - \u00f6kning 50 pkt<span class=\"__12 _813\"> </span>1,6 %<span class=\"__12 _812\"> </span>0,2 %<span class=\"__12 _812\"> </span>0,2 %<span class=\"__12 _812\"> </span>4,9 %<span class=\"__12 _791\"> </span>\u2013<span class=\"__12 _777\"> </span>L\u00f6ne\u00f6kning  - minskning 50 pkt<span class=\"__12 _773\"> </span>-1,8 %<span class=\"__12 _814\"> </span>-0,2 %<span class=\"__12 _814\"> </span>-0,2 %<span class=\"__12 _814\"> </span>-4,6 %<span class=\"__12 _791\"> </span>\u2013<span class=\"__12 _777\"> </span>Inflation  - \u00f6kning 50 pkt<span class=\"__12 _815\"> </span>9,0 %<span class=\"__12 _811\"> </span><span class=\"ls6_11 wsa_11\">7,<span class=\"__12 _b_11\"/>8<span class=\"__12 _816\"/> %<span class=\"__12 _811\"> </span></span>4,3 %<span class=\"__12 _791\"> </span>\u2013<span class=\"__12 _811\"> </span>1,6 %<span class=\"__12 _777\"> </span>Inflation  - minskning 50 pkt<span class=\"__12 _817\"> </span>-8,5 %<span class=\"__12 _812\"> </span><span class=\"ls6_11 wsa_11\">-7,1<span class=\"__12 _b_11\"/> %<span class=\"__12 _809\"> </span></span>-4,0 %<span class=\"__12 _791\"> </span>\u2013<span class=\"__12 _4a_4\"> </span>-1,5 %<span class=\"__12 _777\"> </span>D\u00f6dlighet  - \u00f6kning 1 \u00e5r<span class=\"__12 _4b_4\"> </span>4,2 %<span class=\"__12 _811\"> </span>3,3 %<span class=\"__12 _812\"> </span>4,5 %<span class=\"__12 _811\"> </span>5,<span class=\"__12 _768\"/>7 %<span class=\"__12 _812\"> </span>3,3 %<span class=\"__12 _777\"> </span>D\u00f6dlighet  - minskning 1 \u00e5r<span class=\"__12 _802\"> </span>-4,7 %<span class=\"__12 _773\"> </span>-4,8 %<span class=\"__12 _4c_4\"> </span>-4,4 %<span class=\"__12 _814\"> </span>-5,6 %<span class=\"__12 _809\"> </span>-3,3 %<span class=\"__12 _777\"> </span>K\u00e4nslighetsanalys<span class=\"__12 _768\"/>en utf\u00f6rs genom att ett ak<span class=\"__12 _768\"/>tuariellt an<span class=\"__12 _768\"/>tagande \u00e4ndras medan de andra an<span class=\"__12 _768\"/>tagandena h\u00e5lls of<span class=\"__12 _768\"/>\u00f6r\u00e4ndr<span class=\"__12 _768\"/>ade. Detta \u00e4r en f\u00f6r<span class=\"__12 _768\"/>enklad princip eftersom de aktuariella an<span class=\"__12 _768\"/>tagandena vanligtvis \u00e4r korrel<span class=\"__12 _768\"/>erade. Dock m\u00f6jligg\u00f6r den att man kan iso<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span><span class=\"__12 _777\">lera en eff</span><span class=\"__12 _768\"/>ekt f<span class=\"__12 _768\"/>r\u00e5n en annan. Metoden som an<span class=\"__12 _768\"/>v\u00e4n<span class=\"__12 _768\"/>ts f<span class=\"__12 _768\"/>\u00f6r att <span class=\"__12 _777\">ber\u00e4kna eff</span><span class=\"__12 _768\"/>ekt<span class=\"__12 _768\"/>en p\u00e5 pensionsf\u00f6rplik<span class=\"__12 _768\"/>telsen \u00e4r densamma som den som anv\u00e4n<span class=\"__12 _768\"/>ts f<span class=\"__12 _768\"/>\u00f6r ber\u00e4kning a<span class=\"__12 _768\"/>v den redo<span class=\"__12 _768\"/>visade pensionsf\u00f6r<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>pliktels<span class=\"__12 _768\"/>en. K\u00e4nslighetsanalys<span class=\"__12 _768\"/><span class=\"__12 _777\">en inkluderar eff</span><span class=\"__12 _768\"/>ek<span class=\"__12 _768\"/>ten a<span class=\"__12 _768\"/>v skulder f\u00f6r f<span class=\"__12 _768\"/>ram<span class=\"__12 _768\"/>tida l\u00f6neskatt i S<span class=\"__12 _768\"/>verige och socialf<span class=\"__12 _768\"/>\u00f6rs\u00e4kringsav<span class=\"__12 _768\"/>gifter i Norge.<span class=\"__12 _777\"> </span>Pensionsskulder<span class=\"__12 _a_11\"/>/-tillg\u00e5ngar<span class=\"__12 _a_11\"/>, netto<span class=\"__12 _777\"> </span>Mn euro<span class=\"__12 _4d_4\"> </span>SE 2022<span class=\"__12 _781\"> </span>NO 2022<span class=\"__12 _793\"> </span>FI 2022<span class=\"__12 _1d_8\"> </span>DK 2022<span class=\"__12 _1f_8\"> </span>GB 2022<span class=\"__12 _810\"> </span>Summa 2022<span class=\"__12 _810\"> </span>Summa 2021<span class=\"__12 _777\"> </span>Pensionsf<span class=\"__12 _768\"/>\u00f6rpliktelser<span class=\"__12 _4e_4\"> </span>1 454<span class=\"__12 _4f_4\"> </span>719<span class=\"__12 _2a_6\"> </span>609<span class=\"__12 _818\"> </span>69<span class=\"__12 _819\"> </span>59<span class=\"__12 _3a_7\"> </span>2 910<span class=\"__12 _3a_7\"> </span>3 801<span class=\"__12 _777\"> </span>F\u00f6rvaltnings<span class=\"__12 _768\"/>tillg\u00e5ngar<span class=\"__12 _820\"> </span>1 335<span class=\"__12 _2b_6\"> </span>625<span class=\"__12 _821\"> </span>650<span class=\"__12 _818\"> </span>90<span class=\"__12 _822\"> </span><span class=\"ls8_11 wsc_11\">77<span class=\"__12 _4f_4\"> </span>2 777<span class=\"__12 _2b_6\"> </span></span>3 653<span class=\"__12 _777\"> </span>Nettoskuld(-)/-tillg\u00e5ng (+)<span class=\"__12 _823\"> </span>-119<span class=\"__12 _3a_7\"> </span>-94<span class=\"__12 _819\"> </span>41<span class=\"__12 _824\"> </span>21<span class=\"__12 _825\"> </span>18<span class=\"__12 _819\"> </span>-133<span class=\"__12 _800\"> </span><span class=\"ls4_11 ws8_11\">-148<span class=\"__12 _777\"> </span></span>- vara<span class=\"__12 _768\"/>v planer med nettotillg\u00e5ngar<span class=\"__12 _826\"> </span>2<span class=\"__12 _822\"> </span><span class=\"ls8_11 wsc_11\">77<span class=\"__12 _800\"> </span></span>45<span class=\"__12 _827\"> </span><span class=\"ls8_11 wsc_11\">23<span class=\"__12 _825\"> </span></span>18<span class=\"__12 _5a_4\"> </span>165<span class=\"__12 _818\"> </span>221<span class=\"__12 _777\"> </span>- vara<span class=\"__12 _768\"/>v planer med nettoskulder<span class=\"__12 _5b_4\"> </span>121<span class=\"__12 _5c_4\"> </span><span class=\"ls4_11 ws8_11\">171<span class=\"__12 _5d_4\"> </span></span>4<span class=\"__12 _5e_4\"> </span>2<span class=\"__12 _5d_4\"> </span>\u2013<span class=\"__12 _5f_4\"> </span>298<span class=\"__12 _5f_4\"> </span>369<span class=\"__12 _777\"> </span>F\u00f6r<span class=\"__12 _768\"/>\u00e4ndringar i f<span class=\"__12 _768\"/>\u00f6rpliktels<span class=\"__12 _768\"/>erna 2022, mn euro<span class=\"__12 _828\"> </span>SE<span class=\"__12 _822\"> </span>NO<span class=\"__12 _5f_4\"> </span>FI<span class=\"__12 _2b_6\"> </span>DK<span class=\"__12 _829\"> </span>GB<span class=\"__12 _803\"> </span>Summa<span class=\"__12 _777\"> </span>Ing\u00e5ende balans<span class=\"__12 _830\"> </span>2 033<span class=\"__12 _5c_4\"> </span>830<span class=\"__12 _829\"> </span><span class=\"ls9_11 wsd_11\">74<span class=\"__12 _b_11\"/>4<span class=\"__12 _831\"> </span></span>88<span class=\"__12 _832\"> </span>106<span class=\"__12 _3f_6\"> </span>3 801<span class=\"__12 _777\"> </span>Kostnader a<span class=\"__12 _768\"/>vseende tj\u00e4nst<span class=\"__12 _768\"/>g\u00f6ring under innevarande \u00e5r<span class=\"__12 _833\"> </span>29<span class=\"__12 _834\"> </span>6<span class=\"__12 _827\"> </span>2<span class=\"__12 _819\"> </span>\u2013<span class=\"__12 _835\"> </span>\u2013<span class=\"__12 _831\"> </span>37<span class=\"__12 _777\"> </span>R\u00e4ntekos<span class=\"__12 _768\"/>tnader<span class=\"__12 _836\"> </span>28<span class=\"__12 _5d_4\"> </span>15<span class=\"__12 _5d_4\"> </span>5<span class=\"__12 _5f_4\"> </span>1<span class=\"__12 _825\"> </span>2<span class=\"__12 _837\"> </span><span class=\"ls4_11 ws8_11\">51<span class=\"__12 _777\"> </span></span>Utbetalda pensioner<span class=\"__12 _6a_4\"> </span>-69<span class=\"__12 _819\"> </span>-32<span class=\"__12 _3a_7\"> </span>-38<span class=\"__12 _5c_4\"> </span>-5<span class=\"__12 _837\"> </span>-5<span class=\"__12 _783\"> </span><span class=\"ls4_11 ws8_11\">-149<span class=\"__12 _777\"> </span></span>Kostnader a<span class=\"__12 _768\"/>vseende tj\u00e4nst<span class=\"__12 _768\"/>g\u00f6ring tidigare \u00e5r samt r<span class=\"__12 _768\"/>egleringar<span class=\"__12 _5d_4\"> </span>1<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _5d_4\"> </span>0<span class=\"__12 _819\"> </span>\u2013<span class=\"__12 _835\"> </span>\u2013<span class=\"__12 _5f_4\"> </span>1<span class=\"__12 _777\"> </span>Omv\u00e4rdering f<span class=\"__12 _768\"/>r\u00e5n f<span class=\"__12 _768\"/>\u00f6r\u00e4ndringar i demogra\ufb01sk<span class=\"__12 _768\"/>a antaganden<span class=\"__12 _6b_4\"> </span>8<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _5a_4\"> </span>\u2013<span class=\"__12 _800\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _819\"> </span></span>0<span class=\"__12 _822\"> </span>7<span class=\"__12 _777\"> </span>Omv\u00e4rdering f<span class=\"__12 _768\"/>r\u00e5n f<span class=\"__12 _768\"/>\u00f6r\u00e4ndringar i \ufb01nansiella antaganden<span class=\"__12 _6c_4\"> </span>-558<span class=\"__12 _825\"> </span>-81<span class=\"__12 _6d_4\"> </span>-129<span class=\"__12 _2a_6\"> </span><span class=\"ls4_11 ws8_11\">-15<span class=\"__12 _4b_4\"> </span></span>-41<span class=\"__12 _6e_4\"> </span>-824<span class=\"__12 _777\"> </span>Omv\u00e4rdering f<span class=\"__12 _768\"/>r\u00e5n erfarenhetsbas<span class=\"__12 _768\"/>erade justeringar<span class=\"__12 _6f_4\"> </span>123<span class=\"__12 _818\"> </span>19<span class=\"__12 _835\"> </span><span class=\"lsa_11 wse_11\">25<span class=\"__12 _5f_4\"> </span></span>1<span class=\"__12 _822\"> </span>1<span class=\"__12 _796\"> </span>169<span class=\"__12 _777\"> </span><span class=\"__12 _777\">Omr\u00e4kningsdiff</span><span class=\"__12 _768\"/>erenser<span class=\"__12 _838\"> </span>-132<span class=\"__12 _835\"> </span>-36<span class=\"__12 _5a_4\"> </span>\u2013<span class=\"__12 _825\"> </span>0<span class=\"__12 _4f_4\"> </span><span class=\"ls8_11 wsc_11\">-4<span class=\"__12 _839\"> </span><span class=\"ls4_11 ws8_11\">-17<span class=\"__12 _b_11\"/>2<span class=\"__12 _777\"> </span></span></span>F\u00f6r\u00e4ndring a<span class=\"__12 _768\"/>v a<span class=\"__12 _768\"/>vs\u00e4ttning f<span class=\"__12 _768\"/>\u00f6r s\u00e4rskild l\u00f6neskatt och socialf\u00f6rs\u00e4kringsa<span class=\"__12 _768\"/><span class=\"__12 _777\">vgifter1</span><span class=\"__12 _840\"> </span>-9<span class=\"__12 _827\"> </span><span class=\"ls3_11 ws3_11\">-2<span class=\"__12 _818\"> </span></span>\u2013<span class=\"__12 _825\"> </span>\u2013<span class=\"__12 _835\"> </span>\u2013<span class=\"__12 _821\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _b_11\"/>1<span class=\"__12 _777\"> </span></span>Utg\u00e5ende balans<span class=\"__12 _841\"> </span>1 454<span class=\"__12 _800\"> </span>719<span class=\"__12 _4b_4\"> </span>609<span class=\"__12 _3a_7\"> </span>69<span class=\"__12 _2b_6\"> </span>59<span class=\"__12 _3f_6\"> </span>2 910<span class=\"__12 _777\"> </span>- vara<span class=\"__12 _768\"/>v h\u00e4nf<span class=\"__12 _768\"/>\u00f6rlig till aktiv<span class=\"__12 _768\"/>a deltagare<span class=\"__12 _842\"> </span>20 %<span class=\"__12 _2b_6\"> </span>11 %<span class=\"__12 _843\"> </span>10 %<span class=\"__12 _819\"> </span>\u2013<span class=\"__12 _835\"> </span>\u2013<span class=\"__12 _6e_4\"> </span>15 %<span class=\"__12 _777\"> </span>2021, mn euro<span class=\"__12 _844\"> </span>SE<span class=\"__12 _822\"> </span>NO<span class=\"__12 _5f_4\"> </span>FI<span class=\"__12 _2b_6\"> </span>DK<span class=\"__12 _829\"> </span>GB<span class=\"__12 _803\"> </span>Summa<span class=\"__12 _777\"> </span>Ing\u00e5ende balans<span class=\"__12 _845\"> </span>2 058<span class=\"__12 _5c_4\"> </span>796<span class=\"__12 _2a_6\"> </span>806<span class=\"__12 _6d_4\"> </span>103<span class=\"__12 _846\"> </span>108<span class=\"__12 _791\"> </span>3 871<span class=\"__12 _777\"> </span>Kostnader a<span class=\"__12 _768\"/>vseende tj\u00e4nst<span class=\"__12 _768\"/>g\u00f6ring under innevarande \u00e5r<span class=\"__12 _847\"> </span>32<span class=\"__12 _834\"> </span>4<span class=\"__12 _5d_4\"> </span>3<span class=\"__12 _825\"> </span>\u2013<span class=\"__12 _835\"> </span>\u2013<span class=\"__12 _3a_7\"> </span>39<span class=\"__12 _777\"> </span>R\u00e4ntekos<span class=\"__12 _768\"/>tnader<span class=\"__12 _7a_4\"> </span>22<span class=\"__12 _818\"> </span><span class=\"ls4_11 ws8_11\">14<span class=\"__12 _824\"> </span></span>1<span class=\"__12 _825\"> </span>0<span class=\"__12 _7b_4\"> </span>1<span class=\"__12 _3a_7\"> </span>38<span class=\"__12 _777\"> </span>Utbetalda pensioner<span class=\"__12 _7c_4\"> </span><span class=\"lsb_11 wsf_11\">-71<span class=\"__12 _819\"> </span></span>-30<span class=\"__12 _4f_4\"> </span>-<span class=\"__12 _b_11\"/>41<span class=\"__12 _5c_4\"> </span>-5<span class=\"__12 _5c_4\"> </span><span class=\"lsb_11 wsf_11\">-7<span class=\"__12 _783\"> </span></span>-154<span class=\"__12 _777\"> </span>Kostnader a<span class=\"__12 _768\"/>vseende tj\u00e4nst<span class=\"__12 _768\"/>g\u00f6ring tidigare \u00e5r samt r<span class=\"__12 _768\"/>egleringar<span class=\"__12 _5d_4\"> </span>1<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _5d_4\"> </span>0<span class=\"__12 _825\"> </span>0<span class=\"__12 _835\"> </span>\u2013<span class=\"__12 _7d_5\"> </span>1<span class=\"__12 _777\"> </span>Omv\u00e4rdering f<span class=\"__12 _768\"/>r\u00e5n f<span class=\"__12 _768\"/>\u00f6r\u00e4ndringar i demogra\ufb01sk<span class=\"__12 _768\"/>a antaganden<span class=\"__12 _7e_4\"> </span>\u2013<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _818\"> </span>0<span class=\"__12 _825\"> </span>0<span class=\"__12 _7f_5\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _7f_5\"> </span>-1<span class=\"__12 _777\"> </span></span>Omv\u00e4rdering f<span class=\"__12 _768\"/>r\u00e5n f<span class=\"__12 _768\"/>\u00f6r\u00e4ndringar i \ufb01nansiella antaganden<span class=\"__12 _848\"> </span><span class=\"lsc_11 ws10_11\">52<span class=\"__12 _825\"> </span><span class=\"ls4_11 ws8_11\">-14<span class=\"__12 _849\"> </span>-13<span class=\"__12 _7f_5\"> </span><span class=\"lsb_11 wsf_11\">-7<span class=\"__12 _837\"> </span><span class=\"ls8_11 wsc_11\">-4<span class=\"__12 _4f_4\"> </span></span></span>14<span class=\"__12 _777\"> </span></span></span>Omv\u00e4rdering f<span class=\"__12 _768\"/>r\u00e5n erfarenhetsbas<span class=\"__12 _768\"/>erade justeringar<span class=\"__12 _850\"> </span>-5<span class=\"__12 _5a_4\"> </span><span class=\"ls8_11 wsc_11\">23<span class=\"__12 _837\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _b_11\"/>2<span class=\"__12 _849\"> </span></span></span>-3<span class=\"__12 _7b_4\"> </span>1<span class=\"__12 _825\"> </span>4<span class=\"__12 _777\"> </span>F\u00f6rv\u00e4rv<span class=\"__12 _768\"/>/<span class=\"__12 _768\"/>omklassi\ufb01ceringar<span class=\"__12 _851\"> </span>\u2013<span class=\"__12 _852\"> </span>3<span class=\"__12 _5a_4\"> </span>\u2013<span class=\"__12 _825\"> </span>\u2013<span class=\"__12 _835\"> </span>\u2013<span class=\"__12 _825\"> </span>3<span class=\"__12 _777\"> </span><span class=\"__12 _777\">Omr\u00e4kningsdiff</span><span class=\"__12 _768\"/>erenser<span class=\"__12 _853\"> </span>-54<span class=\"__12 _854\"> </span>36<span class=\"__12 _5a_4\"> </span>\u2013<span class=\"__12 _825\"> </span>0<span class=\"__12 _819\"> </span>8<span class=\"__12 _4b_4\"> </span><span class=\"ls4_11 ws8_11\">-10<span class=\"__12 _777\"> </span></span>F\u00f6r\u00e4ndring a<span class=\"__12 _768\"/>v a<span class=\"__12 _768\"/>vs\u00e4ttning f<span class=\"__12 _768\"/>\u00f6r s\u00e4rskild l\u00f6neskatt och socialf\u00f6rs\u00e4kringsa<span class=\"__12 _768\"/><span class=\"__12 _777\">vgifter1</span><span class=\"__12 _855\"> </span><span class=\"ls3_11 ws3_11\">-2<span class=\"__12 _824\"> </span>-2<span class=\"__12 _5a_4\"> </span></span>\u2013<span class=\"__12 _825\"> </span>\u2013<span class=\"__12 _835\"> </span>\u2013<span class=\"__12 _837\"> </span><span class=\"ls8_11 wsc_11\">-4<span class=\"__12 _777\"> </span></span>Utg\u00e5ende balans<span class=\"__12 _841\"> </span>2 033<span class=\"__12 _849\"> </span>830<span class=\"__12 _821\"> </span><span class=\"ls9_11 wsd_11\">74<span class=\"__12 _816\"/>4<span class=\"__12 _3a_7\"> </span></span>88<span class=\"__12 _846\"> </span>106<span class=\"__12 _3f_6\"> </span>3 801<span class=\"__12 _777\"> </span>- vara<span class=\"__12 _768\"/>v h\u00e4nf<span class=\"__12 _768\"/>\u00f6rlig till aktiv<span class=\"__12 _768\"/>a deltagare<span class=\"__12 _842\"> </span>26 %<span class=\"__12 _829\"> </span>12 %<span class=\"__12 _846\"> </span>13 %<span class=\"__12 _819\"> </span>\u2013<span class=\"__12 _835\"> </span>\u2013<span class=\"__12 _795\"> </span>19 %<span class=\"__12 _777\"> </span>1)  A<span class=\"__12 _768\"/>vser f\u00f6r<span class=\"__12 _768\"/>\u00e4ndring i avs\u00e4<span class=\"__12 _768\"/>ttning f\u00f6r s\u00e4rskild l\u00f6neskatt i S<span class=\"__12 _768\"/>verige och socialf\u00f6rs\u00e4kringsa<span class=\"__12 _768\"/>vgifter i Norge.<span class=\"__12 _777\"> </span>F\u00f6rplik<span class=\"__12 _768\"/>telsernas genomsnittliga l\u00f6p<span class=\"__12 _768\"/>tid \u00e4r 15 (18) \u00e5r i Sverige, 13 (14) \u00e5r i Norge, 11 (13) \u00e5r i Finland, 9 (11) \u00e5r i Danmark och 15 (20) \u00e5r i Storbritannien, basera<span class=\"__12 _768\"/>t p\u00e5 diskon<span class=\"__12 _768\"/>terade kassa<span class=\"__12 _768\"/>fl\u00f6-<span class=\"__12 _777\"> </span>den. Det fak<span class=\"__12 _768\"/>tum att alla f<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbest<span class=\"__12 _768\"/>\u00e4mda pensionsplaner \u00e4r st\u00e4ngda f<span class=\"__12 _768\"/>\u00f6r nya del<span class=\"__12 _768\"/>tagare ger en l\u00e4gre dur<span class=\"__12 _768\"/>ation. F<span class=\"__12 _768\"/>\u00f6r 2022 har \u00e4v<span class=\"__12 _768\"/>en det h\u00f6gre r\u00e4n<span class=\"__12 _768\"/>tel\u00e4get re<span class=\"__12 _768\"/>sultera<span class=\"__12 _768\"/>t i en l\u00e4gre dur<span class=\"__12 _768\"/>ation<span class=\"__12 _777\"> </span>.<span class=\"__12 _777\"> </span>F\u00f6r<span class=\"__12 _768\"/>\u00e4ndringar i f<span class=\"__12 _768\"/>\u00f6rvaltningstillg\u00e5ngarnas v<span class=\"__12 _768\"/>erkliga v\u00e4rde 2022, mn euro<span class=\"__12 _856\"> </span>SE<span class=\"__12 _829\"> </span>NO<span class=\"__12 _819\"> </span>FI<span class=\"__12 _831\"> </span>DK<span class=\"__12 _2a_6\"> </span>GB<span class=\"__12 _802\"> </span>Summa<span class=\"__12 _777\"> </span>Ing\u00e5ende balans<span class=\"__12 _857\"> </span>1 858<span class=\"__12 _6d_4\"> </span><span class=\"ls8_11 wsc_11\">723<span class=\"__12 _6d_4\"> </span></span>823<span class=\"__12 _829\"> </span>112<span class=\"__12 _796\"> </span>137<span class=\"__12 _d_11\"> </span>3 653<span class=\"__12 _777\"> </span>R\u00e4ntein<span class=\"__12 _768\"/>t\u00e4kt<span class=\"__12 _768\"/>er (ber\u00e4knade med diskon<span class=\"__12 _768\"/>teringsr\u00e4n<span class=\"__12 _768\"/>tan)<span class=\"__12 _8a_4\"> </span>26<span class=\"__12 _849\"> </span><span class=\"ls4_11 ws8_11\">14<span class=\"__12 _5f_4\"> </span></span>5<span class=\"__12 _854\"> </span>1<span class=\"__12 _819\"> </span>2<span class=\"__12 _4b_4\"> </span><span class=\"ls8_11 wsc_11\">48<span class=\"__12 _777\"> </span></span>Utbetalda pensioner<span class=\"__12 _8b_4\"> </span>\u2013<span class=\"__12 _2a_6\"> </span><span class=\"ls3_11 ws3_11\">-24<span class=\"__12 _2a_6\"> </span></span>-39<span class=\"__12 _7f_5\"> </span>-5<span class=\"__12 _4f_4\"> </span>-5<span class=\"__12 _796\"> </span><span class=\"lsb_11 wsf_11\">-73<span class=\"__12 _777\"> </span></span>Tillskott/<span class=\"__12 _768\"/>gottg\u00f6relse a<span class=\"__12 _768\"/>v<span class=\"__12 _a_11\"/>/till arbetsgivare<span class=\"__12 _8c_4\"> </span>1<span class=\"__12 _7b_4\"> </span>2<span class=\"__12 _7f_5\"> </span>-6<span class=\"__12 _5a_4\"> </span>1<span class=\"__12 _800\"> </span>\u2013<span class=\"__12 _3a_7\"> </span><span class=\"ls3_11 ws3_11\">-2<span class=\"__12 _777\"> </span></span>Omv\u00e4rdering (f<span class=\"__12 _768\"/>aktisk a<span class=\"__12 _768\"/>vkas<span class=\"__12 _768\"/>tning minus r\u00e4ntein<span class=\"__12 _768\"/>t\u00e4k<span class=\"__12 _768\"/>ter)<span class=\"__12 _8d_4\"> </span>-429<span class=\"__12 _2a_6\"> </span><span class=\"ls4_11 ws8_11\">-57<span class=\"__12 _846\"> </span></span>-133<span class=\"__12 _829\"> </span><span class=\"ls4_11 ws8_11\">-19<span class=\"__12 _8e_4\"> </span>-51<span class=\"__12 _791\"> </span></span>-689<span class=\"__12 _777\"> </span><span class=\"__12 _777\">Omr\u00e4kningsdiff</span><span class=\"__12 _768\"/>erenser<span class=\"__12 _8f_4\"> </span>-121<span class=\"__12 _4b_4\"> </span>-33<span class=\"__12 _7b_4\"> </span>\u2013<span class=\"__12 _7d_5\"> </span>0<span class=\"__12 _3a_7\"> </span>-6<span class=\"__12 _795\"> </span>-<span class=\"__12 _768\"/>160<span class=\"__12 _777\"> </span>Utg\u00e5ende balans<span class=\"__12 _858\"> </span>1 335<span class=\"__12 _796\"> </span>625<span class=\"__12 _796\"> </span>650<span class=\"__12 _4f_4\"> </span>90<span class=\"__12 _2b_6\"> </span><span class=\"ls8_11 wsc_11\">77<span class=\"__12 _813\"> </span>2 777<span class=\"__12 _777\"> </span></span>2021, mn euro<span class=\"__12 _859\"> </span>SE<span class=\"__12 _829\"> </span>NO<span class=\"__12 _819\"> </span>FI<span class=\"__12 _831\"> </span>DK<span class=\"__12 _2a_6\"> </span>GB<span class=\"__12 _802\"> </span>Summa<span class=\"__12 _777\"> </span>Ing\u00e5ende balans<span class=\"__12 _8b_4\"> </span>1 867<span class=\"__12 _796\"> </span>679<span class=\"__12 _6d_4\"> </span>847<span class=\"__12 _2a_6\"> </span>127<span class=\"__12 _846\"> </span>130<span class=\"__12 _d_11\"> </span>3 650<span class=\"__12 _777\"> </span>R\u00e4ntein<span class=\"__12 _768\"/>t\u00e4kt<span class=\"__12 _768\"/>er (ber\u00e4knade med diskon<span class=\"__12 _768\"/>teringsr\u00e4n<span class=\"__12 _768\"/>tan)<span class=\"__12 _860\"> </span>19<span class=\"__12 _5c_4\"> </span>12<span class=\"__12 _854\"> </span>1<span class=\"__12 _7d_5\"> </span>0<span class=\"__12 _819\"> </span>2<span class=\"__12 _2a_6\"> </span>34<span class=\"__12 _777\"> </span>Utbetalda pensioner<span class=\"__12 _8b_4\"> </span>\u2013<span class=\"__12 _2a_6\"> </span><span class=\"ls3_11 ws3_11\">-23<span class=\"__12 _829\"> </span></span>-41<span class=\"__12 _800\"> </span>-5<span class=\"__12 _837\"> </span><span class=\"lsb_11 wsf_11\">-7<span class=\"__12 _796\"> </span>-76<span class=\"__12 _777\"> </span></span>Tillskott/<span class=\"__12 _768\"/>gottg\u00f6relse a<span class=\"__12 _768\"/>v<span class=\"__12 _a_11\"/>/till arbetsgivare<span class=\"__12 _8c_4\"> </span>1<span class=\"__12 _7b_4\"> </span>3<span class=\"__12 _2b_6\"> </span><span class=\"ls3_11 ws3_11\">-2<span class=\"__12 _b_11\"/>1<span class=\"__12 _7d_5\"> </span></span>0<span class=\"__12 _800\"> </span>\u2013<span class=\"__12 _6d_4\"> </span><span class=\"ls4_11 ws8_11\">-17<span class=\"__12 _777\"> </span></span>Omv\u00e4rdering (f<span class=\"__12 _768\"/>aktisk a<span class=\"__12 _768\"/>vkas<span class=\"__12 _768\"/>tning minus r\u00e4ntein<span class=\"__12 _768\"/>t\u00e4k<span class=\"__12 _768\"/>ter)<span class=\"__12 _861\"> </span>21<span class=\"__12 _831\"> </span>20<span class=\"__12 _5c_4\"> </span>37<span class=\"__12 _829\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _b_11\"/>0<span class=\"__12 _835\"> </span></span>2<span class=\"__12 _821\"> </span>70<span class=\"__12 _777\"> </span><span class=\"__12 _777\">Omr\u00e4kningsdiff</span><span class=\"__12 _768\"/>erenser<span class=\"__12 _6a_4\"> </span>-50<span class=\"__12 _4f_4\"> </span>32<span class=\"__12 _7b_4\"> </span>\u2013<span class=\"__12 _7d_5\"> </span>0<span class=\"__12 _3a_7\"> </span>10<span class=\"__12 _829\"> </span>-8<span class=\"__12 _777\"> </span>Utg\u00e5ende balans<span class=\"__12 _862\"> </span>1 858<span class=\"__12 _796\"> </span><span class=\"ls8_11 wsc_11\">7<span class=\"__12 _b_11\"/>23<span class=\"__12 _6d_4\"> </span></span>823<span class=\"__12 _2a_6\"> </span>112<span class=\"__12 _832\"> </span>137<span class=\"__12 _d_11\"> </span>3 653<span class=\"__12 _777\"> </span>Tillg\u00e5ngsf\u00f6r<span class=\"__12 _768\"/>delning<span class=\"__12 _777\"> </span>Tillg\u00e5ngarna inves<span class=\"__12 _768\"/>teras i div<span class=\"__12 _768\"/>ersi\ufb01erade portf\u00f6ljer enligt nedan, med innehav i obliga<span class=\"__12 _768\"/>tioner som begr\u00e4nsar r<span class=\"__12 _768\"/>\u00e4nterisk<span class=\"__12 _768\"/>en i f\u00f6rplik<span class=\"__12 _768\"/>telserna och en rimlig andel r<span class=\"__12 _768\"/>ealtillg\u00e5ngar (infla<span class=\"__12 _768\"/>tions-<span class=\"__12 _777\"> </span>skyddade) f<span class=\"__12 _768\"/>\u00f6r att minska den l\u00e5ngsik<span class=\"__12 _768\"/>tiga in<span class=\"__12 _768\"/>flationsrisken i skulderna.   Under 2022 var den sammanlagda a<span class=\"__12 _768\"/>vkastningen p\u00e5 till<span class=\"__12 _768\"/>-<span class=\"__12 _777\"> </span>g\u00e5ngarna -17<span class=\"__12 _a_11\"/>,5 procen<span class=\"__12 _768\"/>t (2,9 procen<span class=\"__12 _768\"/>t). Den negativ<span class=\"__12 _768\"/>a a<span class=\"__12 _768\"/>vkast-<span class=\"__12 _777\"> </span>ningen h\u00e4rr\u00f6rde fr<span class=\"__12 _768\"/>\u00e4mst f<span class=\"__12 _768\"/>r\u00e5n betydande k<span class=\"__12 _768\"/>ursnedg\u00e5ngar f\u00f6r aktier och en sam<span class=\"__12 _768\"/>tidig kursnedg\u00e5ng f<span class=\"__12 _768\"/>\u00f6r nominella r\u00e4n<span class=\"__12 _768\"/>tepap-<span class=\"__12 _777\"> </span>per och r\u00e4n<span class=\"__12 _768\"/>tes\u00e4kringsinstrumen<span class=\"__12 _768\"/>t.<span class=\"__12 _777\"> </span>Vid \u00e5rets slut utgjor<span class=\"__12 _768\"/>de aktieinneha<span class=\"__12 _768\"/>ven 21 pr<span class=\"__12 _768\"/>ocent (19 pr<span class=\"__12 _768\"/>o-<span class=\"__12 _777\"> </span>cent) a<span class=\"__12 _768\"/>v tillg\u00e5ngarna i Nor<span class=\"__12 _768\"/>deas pensionskassor<span class=\"__12 _768\"/>/-stiftelser<span class=\"__12 _a_11\"/>. Koncernen r<span class=\"__12 _768\"/>\u00e4knar med att betala 2 mn euro till sina f<span class=\"__12 _a_11\"/>\u00f6rm\u00e5ns-<span class=\"__12 _777\"> </span>best\u00e4mda pensionsplaner under 2023.<span class=\"__12 _777\"> </span>Tillg\u00e5ngsf\u00f6r<span class=\"__12 _768\"/>delning i fonder<span class=\"__12 _768\"/>ade planer<span class=\"__12 _777\"> </span>%<span class=\"__12 _863\"> </span>SE 2022<span class=\"__12 _803\"> </span>NO 2022<span class=\"__12 _864\"> </span>FI 2022<span class=\"__12 _797\"> </span>DK 2022<span class=\"__12 _2f_6\"> </span>GB 2022<span class=\"__12 _807\"> </span>Summa 2022 <span class=\"__12 _865\"> </span>Summa 2021 Obligationer <span class=\"__12 _866\"> </span><span class=\"ff2_12\">87 %<span class=\"__12 _867\"> </span>68 %<span class=\"__12 _3f_6\"> </span>59 %<span class=\"__12 _3f_6\"> </span>67 %<span class=\"__12 _6e_4\"> </span>87 %<span class=\"__12 _867\"> </span>75 %<span class=\"__12 _783\"> </span>70 %<span class=\"__12 _777\"> </span></span>- statsobliga<span class=\"__12 _768\"/>tioner<span class=\"__12 _9a_4\"> </span>36 %<span class=\"__12 _783\"> </span>39 %<span class=\"__12 _3f_6\"> </span>29 %<span class=\"__12 _9b_4\"> </span>30 %<span class=\"__12 _6e_4\"> </span>87 %<span class=\"__12 _6e_4\"> </span>36 %<span class=\"__12 _839\"> </span>37 %<span class=\"__12 _777\"> </span>- s\u00e4kerst\u00e4llda obligationer<span class=\"__12 _9c_5\"> </span>34 %<span class=\"__12 _839\"> </span>23 %<span class=\"__12 _783\"> </span>9 %<span class=\"__12 _3f_6\"> </span>37 %<span class=\"__12 _7b_4\"> </span>\u2013<span class=\"__12 _867\"> </span>25 %<span class=\"__12 _839\"> </span>19 %<span class=\"__12 _777\"> </span>- f\u00f6retags<span class=\"__12 _768\"/>obligationer<span class=\"__12 _9d_4\"> </span><span class=\"ls4_11 ws8_11\">17 %<span class=\"__12 _2a_6\"> </span></span>6 %<span class=\"__12 _791\"> </span>21 %<span class=\"__12 _5c_4\"> </span>\u2013<span class=\"__12 _7b_4\"> </span>\u2013<span class=\"__12 _867\"> </span><span class=\"ls4_11 ws8_11\">14 %<span class=\"__12 _843\"> </span>14 %<span class=\"__12 _777\"> </span></span>- utgivna av Nordeabolag<span class=\"__12 _9e_4\"> </span>3 %<span class=\"__12 _2a_6\"> </span>3 %<span class=\"__12 _7f_5\"> </span><span class=\"ff2_12\">\u2013<span class=\"__12 _5c_4\"> </span>\u2013<span class=\"__12 _7b_4\"> </span>\u2013<span class=\"__12 _8e_4\"> </span></span>2 %<span class=\"__12 _821\"> </span>2 %<span class=\"__12 _777\"> </span>-  <span class=\"__12 _786\"/>med publicerade prisno<span class=\"__12 _768\"/>teringar p\u00e5 en ak<span class=\"__12 _768\"/>tiv marknad<span class=\"__12 _9f_4\"> </span><span class=\"lsd_10 ws11_11\">87 %<span class=\"__12 _783\"> </span></span>68 %<span class=\"__12 _1d_8\"> </span>59 %<span class=\"__12 _1d_8\"> </span>67 %<span class=\"__12 _867\"> </span><span class=\"lsd_10 ws11_11\">87 %<span class=\"__12 _867\"> </span></span>75 %<span class=\"__12 _839\"> </span>70 %<span class=\"__12 _777\"> </span>Aktier<span class=\"__12 _6a_4\"> </span><span class=\"ff2_12\">25 %<span class=\"__12 _843\"> </span>16 %<span class=\"__12 _a0_4\"> </span><span class=\"ls4_11 ws8_11\">17 %<span class=\"__12 _1d_8\"> </span></span>10 %<span class=\"__12 _867\"> </span>13 %<span class=\"__12 _783\"> </span>21 %<span class=\"__12 _839\"> </span>19 %<span class=\"__12 _777\"> </span></span>- inhemska<span class=\"__12 _840\"> </span>5 %<span class=\"__12 _4b_4\"> </span>5 %<span class=\"__12 _839\"> </span>4 %<span class=\"__12 _3f_6\"> </span>10 %<span class=\"__12 _6d_4\"> </span>4 %<span class=\"__12 _6d_4\"> </span>5 %<span class=\"__12 _2a_6\"> </span>5 %<span class=\"__12 _777\"> </span>- europeiska<span class=\"__12 _a1_4\"> </span>3 %<span class=\"__12 _2a_6\"> </span>5 %<span class=\"__12 _839\"> </span>5 %<span class=\"__12 _849\"> </span>\u2013<span class=\"__12 _4b_4\"> </span>1 %<span class=\"__12 _6d_4\"> </span>4 %<span class=\"__12 _4b_4\"> </span>4 %<span class=\"__12 _777\"> </span>- amerikanska<span class=\"__12 _a2_4\"> </span>5 %<span class=\"__12 _4b_4\"> </span>6 %<span class=\"__12 _839\"> </span>4 %<span class=\"__12 _849\"> </span>\u2013<span class=\"__12 _6d_4\"> </span>6 %<span class=\"__12 _6d_4\"> </span>5 %<span class=\"__12 _2a_6\"> </span>5 %<span class=\"__12 _777\"> </span>- tillv\u00e4xtmarknader<span class=\"__12 _a3_4\"> </span>5 %<span class=\"__12 _854\"> </span>\u2013<span class=\"__12 _783\"> </span>4 %<span class=\"__12 _5c_4\"> </span>\u2013<span class=\"__12 _8e_4\"> </span>2 %<span class=\"__12 _6d_4\"> </span>3 %<span class=\"__12 _2a_6\"> </span>3 %<span class=\"__12 _777\"> </span>- riskkapital<span class=\"__12 _c_11\"> </span>7 %<span class=\"__12 _854\"> </span>\u2013<span class=\"__12 _7f_5\"> </span>\u2013<span class=\"__12 _849\"> </span>\u2013<span class=\"__12 _7b_4\"> </span>\u2013<span class=\"__12 _6d_4\"> </span>4 %<span class=\"__12 _2a_6\"> </span>2 %<span class=\"__12 _777\"> </span>- Nordeaaktier<span class=\"__12 _a4_4\"> </span><span class=\"ff2_12\">\u2013<span class=\"__12 _854\"> </span>\u2013<span class=\"__12 _7f_5\"> </span>\u2013<span class=\"__12 _849\"> </span>\u2013<span class=\"__12 _7b_4\"> </span>\u2013<span class=\"__12 _6d_4\"> </span></span>0 %<span class=\"__12 _2a_6\"> </span>0 %<span class=\"__12 _777\"> </span>-  <span class=\"__12 _786\"/>med publicerade prisno<span class=\"__12 _768\"/>teringar p\u00e5 en ak<span class=\"__12 _768\"/>tiv marknad<span class=\"__12 _a5_5\"> </span>18 %<span class=\"__12 _843\"> </span>16 %<span class=\"__12 _a6_5\"> </span><span class=\"ls4_11 ws8_11\">17 %<span class=\"__12 _1d_8\"> </span></span>10 %<span class=\"__12 _a7_5\"> </span>13 %<span class=\"__12 _a7_5\"> </span><span class=\"ls4_11 ws8_11\">17 %<span class=\"__12 _832\"> </span>17 %<span class=\"__12 _777\"> </span></span>F<span class=\"__12 _768\"/><span class=\"__12 _777\">astigheter1</span><span class=\"__12 _a8_5\"> </span><span class=\"ff2_12\">\u2013<span class=\"__12 _839\"> </span>16 %<span class=\"__12 _a0_4\"> </span>21 %<span class=\"__12 _5c_4\"> </span>\u2013<span class=\"__12 _7b_4\"> </span>\u2013<span class=\"__12 _6d_4\"> </span>8 %<span class=\"__12 _2a_6\"> </span>7 %<span class=\"__12 _777\"> </span></span>- nyttjade av Nordea<span class=\"__12 _a9_5\"> </span><span class=\"ff2_12\">\u2013<span class=\"__12 _854\"> </span>\u2013<span class=\"__12 _a7_5\"> </span></span>6 %<span class=\"__12 _5c_4\"> </span><span class=\"ff2_12\">\u2013<span class=\"__12 _7b_4\"> </span>\u2013<span class=\"__12 _2a_6\"> </span></span>1 %<span class=\"__12 _829\"> </span>1 %<span class=\"__12 _777\"> </span>R\u00e4ntesw<span class=\"__12 _768\"/>appar<span class=\"__12 _777\"> </span>-13 %<span class=\"__12 _832\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _b_11\"/> %<span class=\"__12 _7f_5\"> </span></span>\u2013<span class=\"__12 _5c_4\"> </span>\u2013<span class=\"__12 _7b_4\"> </span>\u2013<span class=\"__12 _783\"> </span>-6 %<span class=\"__12 _4b_4\"> </span>0 %<span class=\"__12 _777\"> </span>F\u00f6rs\u00e4kringskon<span class=\"__12 _768\"/>trak<span class=\"__12 _768\"/>t<span class=\"__12 _aa_4\"> </span><span class=\"ff2_12\">\u2013<span class=\"__12 _854\"> </span>\u2013<span class=\"__12 _843\"> </span>1 %<span class=\"__12 _867\"> </span>6 %<span class=\"__12 _7b_4\"> </span>\u2013<span class=\"__12 _4b_4\"> </span>1 %<span class=\"__12 _829\"> </span>1 %<span class=\"__12 _777\"> </span></span>Likvida medel<span class=\"__12 _a2_4\"> </span><span class=\"ff2_12\">1 %<span class=\"__12 _821\"> </span>1 %<span class=\"__12 _843\"> </span>2 %<span class=\"__12 _1d_8\"> </span><span class=\"ls4_11 ws8_11\">17<span class=\"__12 _b_11\"/> %<span class=\"__12 _796\"> </span></span>0 %<span class=\"__12 _4b_4\"> </span>1 %<span class=\"__12 _2a_6\"> </span>3 %<span class=\"__12 _777\"> </span></span>1)  Fastighet<span class=\"__12 _768\"/>ernas geogra\ufb01ska l\u00e4ge \u00e4r koppla<span class=\"__12 _768\"/>t till pensionsplanerna i respektiv<span class=\"__12 _768\"/>e land<span class=\"__12 _777\"> </span>.<span class=\"__12 _777\"> </span>Kos<span class=\"__12 _768\"/>tnader f\u00f6r f<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4mda pensionsplaner<span class=\"__12 _777\"> </span>\u00c5rets pensionskostnad, nett<span class=\"__12 _768\"/>o, h\u00e4nf<span class=\"__12 _a_11\"/>\u00f6rlig till f\u00f6rm\u00e5nsbest\u00e4mda<span class=\"__12 _777\"> </span> pensionsplaner<span class=\"__12 _a_11\"/>, uppgick i koncernens resultatr<span class=\"__12 _768\"/>\u00e4kning (inklu-<span class=\"__12 _777\"> </span>derad i personalkostnader) till 5<span class=\"__12 _768\"/>1 mn euro (55 mn euro<span class=\"__12 _768\"/>). <span class=\"__12 _768\"/>T<span class=\"__12 _be_5\"/>ota-<span class=\"__12 _777\"> </span>la pensionskostnader utg\u00f6rs a<span class=\"__12 _768\"/>v kos<span class=\"__12 _768\"/>tnader f\u00f6r f<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbe-<span class=\"__12 _777\"> </span>st\u00e4mda pensioner liksom kos<span class=\"__12 _768\"/>tnader f<span class=\"__12 _768\"/>\u00f6r av<span class=\"__12 _768\"/>giftsbest\u00e4mda pen-<span class=\"__12 _777\"> </span>sioner (se speci\ufb01kation i tabellen \u201dP<span class=\"__12 _768\"/>ersonalkostnader\u201d).<span class=\"__12 _777\"> </span>Redovisa<span class=\"__12 _768\"/>t i resul<span class=\"__12 _768\"/>tatr<span class=\"__12 _768\"/>\u00e4kningen<span class=\"__12 _777\"> </span>2022, mn euro<span class=\"__12 _ab_4\"> </span>SE<span class=\"__12 _843\"> </span>NO<span class=\"__12 _2b_6\"> </span>FI<span class=\"__12 _846\"> </span>DK<span class=\"__12 _796\"> </span>GB<span class=\"__12 _f_11\"> </span>Summa<span class=\"__12 _777\"> </span>Kostnader a<span class=\"__12 _768\"/>vseende tj\u00e4nst<span class=\"__12 _768\"/><span class=\"__12 _777\">g\u00f6ring under innevarande \u00e5r1</span><span class=\"__12 _ac_4\"> </span>29<span class=\"__12 _4f_4\"> </span>6<span class=\"__12 _849\"> </span>2<span class=\"__12 _4f_4\"> </span>\u2013<span class=\"__12 _831\"> </span>\u2013<span class=\"__12 _8e_4\"> </span>37<span class=\"__12 _777\"> </span>R\u00e4ntenetto<span class=\"__12 _ad_4\"> </span>2<span class=\"__12 _5c_4\"> </span>1<span class=\"__12 _837\"> </span>0<span class=\"__12 _4f_4\"> </span>0<span class=\"__12 _4f_4\"> </span>0<span class=\"__12 _849\"> </span>3<span class=\"__12 _777\"> </span>Kostnader a<span class=\"__12 _768\"/>vseende tj\u00e4nst<span class=\"__12 _768\"/>g\u00f6ring tidigare \u00e5r samt r<span class=\"__12 _768\"/>egleringar<span class=\"__12 _1c_8\"> </span>1<span class=\"__12 _3a_7\"> </span>\u2013<span class=\"__12 _837\"> </span>0<span class=\"__12 _831\"> </span>\u2013<span class=\"__12 _4f_4\"> </span>\u2013<span class=\"__12 _5c_4\"> </span>1<span class=\"__12 _777\"> </span>S\u00e4rskild l\u00f6neskatt och socialf<span class=\"__12 _768\"/><span class=\"__12 _777\">\u00f6rs\u00e4kringsavgifter2</span><span class=\"__12 _ae_5\"> </span>9<span class=\"__12 _5c_4\"> </span>1<span class=\"__12 _4f_4\"> </span>\u2013<span class=\"__12 _831\"> </span>\u2013<span class=\"__12 _4f_4\"> </span>\u2013<span class=\"__12 _8e_4\"> </span>10<span class=\"__12 _777\"> </span>Kostnader f<span class=\"__12 _768\"/>\u00f6r f\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4mda pensionsplaner  (kostnader+, int<span class=\"__12 _768\"/>\u00e4kter-)<span class=\"__12 _af_5\"> </span>41<span class=\"__12 _4f_4\"> </span>8<span class=\"__12 _849\"> </span>2<span class=\"__12 _4f_4\"> </span>0<span class=\"__12 _4f_4\"> </span>0<span class=\"__12 _4b_4\"> </span><span class=\"ls4_11 ws8_11\">51<span class=\"__12 _777\"> </span></span>2021, mn euro<span class=\"__12 _b0_4\"> </span>SE<span class=\"__12 _843\"> </span>NO<span class=\"__12 _2b_6\"> </span>FI<span class=\"__12 _846\"> </span>DK<span class=\"__12 _796\"> </span>GB<span class=\"__12 _f_11\"> </span>Summa<span class=\"__12 _777\"> </span>Kostnader a<span class=\"__12 _768\"/>vseende tj\u00e4nst<span class=\"__12 _768\"/><span class=\"__12 _777\">g\u00f6ring under innevarande \u00e5r1</span><span class=\"__12 _b1_4\"> </span>32<span class=\"__12 _4f_4\"> </span>4<span class=\"__12 _849\"> </span>3<span class=\"__12 _831\"> </span>\u2013<span class=\"__12 _4f_4\"> </span>\u2013<span class=\"__12 _6d_4\"> </span>39<span class=\"__12 _777\"> </span>R\u00e4ntenetto<span class=\"__12 _ad_4\"> </span>3<span class=\"__12 _837\"> </span>2<span class=\"__12 _837\"> </span>0<span class=\"__12 _4f_4\"> </span>0<span class=\"__12 _829\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _837\"> </span></span>4<span class=\"__12 _777\"> </span>Kostnader a<span class=\"__12 _768\"/>vseende tj\u00e4nst<span class=\"__12 _768\"/>g\u00f6ring tidigare \u00e5r samt r<span class=\"__12 _768\"/>egleringar<span class=\"__12 _1c_8\"> </span>1<span class=\"__12 _3a_7\"> </span>\u2013<span class=\"__12 _837\"> </span>0<span class=\"__12 _831\"> </span>\u2013<span class=\"__12 _4f_4\"> </span>\u2013<span class=\"__12 _5c_4\"> </span>1<span class=\"__12 _777\"> </span>S\u00e4rskild l\u00f6neskatt och socialf<span class=\"__12 _768\"/><span class=\"__12 _777\">\u00f6rs\u00e4kringsavgifter2</span><span class=\"__12 _b2_5\"> </span>10<span class=\"__12 _5c_4\"> </span>1<span class=\"__12 _4f_4\"> </span>\u2013<span class=\"__12 _831\"> </span>\u2013<span class=\"__12 _4f_4\"> </span>\u2013<span class=\"__12 _821\"> </span>11<span class=\"__12 _777\"> </span>Kostnader f<span class=\"__12 _768\"/>\u00f6r f\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4mda pensionsplaner  (kostnader+, int<span class=\"__12 _768\"/>\u00e4kter-)<span class=\"__12 _b3_4\"> </span>46<span class=\"__12 _849\"> </span>7<span class=\"__12 _837\"> </span>3<span class=\"__12 _4f_4\"> </span>0<span class=\"__12 _829\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _6d_4\"> </span></span>55<span class=\"__12 _777\"> </span>1) Kostnader a<span class=\"__12 _768\"/>vseende tj\u00e4nstg\u00f6ring under innev<span class=\"__12 _768\"/>arande \u00e5r inkluderar 4 mn euro (2 mn eur<span class=\"__12 _768\"/>o) f\u00f6r f<span class=\"__12 _768\"/>\u00f6r ytterligare pensionsplaner i Norge.<span class=\"__12 _777\"> </span> 2) Kostnader h\u00e4nf<span class=\"__12 _768\"/>\u00f6rliga till s\u00e4rskild l\u00f6neskatt i Sv<span class=\"__12 _768\"/>erige och socialf\u00f6rs\u00e4kringsa<span class=\"__12 _768\"/>vgifter i Norge.<span class=\"__12 _777\"> </span>\u00c5rets kostnad f<span class=\"__12 _768\"/>\u00f6r f<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbest\u00e4mda pensionsplaner<span class=\"__12 _a_11\"/>, exklu-<span class=\"__12 _777\"> </span>sive kostnader a<span class=\"__12 _a_11\"/>vseende tj\u00e4nstg\u00f6ring tidigare \u00e5r med tillh\u00f6-<span class=\"__12 _777\"> </span>rande s\u00e4rskild l\u00f6neskatt och socialf<span class=\"__12 _768\"/>\u00f6rs\u00e4kringsa<span class=\"__12 _768\"/>vgift,  var i huvudsak of<span class=\"__12 _768\"/>\u00f6r\u00e4ndr<span class=\"__12 _768\"/>ad j\u00e4mf<span class=\"__12 _768\"/>\u00f6rt med 2021.<span class=\"__12 _777\"> </span>Redovisa<span class=\"__12 _768\"/>t i \u00f6vrigt to<span class=\"__12 _768\"/>talresul<span class=\"__12 _768\"/>tat<span class=\"__12 _777\"> </span> 2022, mn euro<span class=\"__12 _ab_4\"> </span>SE<span class=\"__12 _843\"> </span>NO<span class=\"__12 _2b_6\"> </span>FI<span class=\"__12 _846\"> </span>DK<span class=\"__12 _796\"> </span>GB<span class=\"__12 _f_11\"> </span>Summa<span class=\"__12 _777\"> </span>Omv\u00e4rdering f<span class=\"__12 _768\"/>r\u00e5n f<span class=\"__12 _768\"/>\u00f6r\u00e4ndringar i demogra\ufb01sk<span class=\"__12 _768\"/>a antaganden<span class=\"__12 _b4_4\"> </span>8<span class=\"__12 _831\"> </span>\u2013<span class=\"__12 _4f_4\"> </span>\u2013<span class=\"__12 _829\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _837\"> </span></span>0<span class=\"__12 _849\"> </span>7<span class=\"__12 _777\"> </span>Omv\u00e4rdering f<span class=\"__12 _768\"/>r\u00e5n f<span class=\"__12 _768\"/>\u00f6r\u00e4ndringar i \ufb01nansiella antaganden<span class=\"__12 _b5_5\"> </span>-558<span class=\"__12 _839\"> </span>-81<span class=\"__12 _791\"> </span>-129<span class=\"__12 _843\"> </span><span class=\"ls4_11 ws8_11\">-15<span class=\"__12 _839\"> </span></span>-41<span class=\"__12 _9b_4\"> </span>-824<span class=\"__12 _777\"> </span>Omv\u00e4rdering f<span class=\"__12 _768\"/>r\u00e5n erfarenhetsbas<span class=\"__12 _768\"/>erade justeringar<span class=\"__12 _b6_5\"> </span>123<span class=\"__12 _8e_4\"> </span>19<span class=\"__12 _8e_4\"> </span><span class=\"lsa_11 wse_11\">25<span class=\"__12 _849\"> </span></span>1<span class=\"__12 _7f_5\"> </span>1<span class=\"__12 _6e_4\"> </span>169<span class=\"__12 _777\"> </span>Omv\u00e4rdering a<span class=\"__12 _768\"/>v f<span class=\"__12 _768\"/>\u00f6rvaltningstillg\u00e5ngar (f<span class=\"__12 _768\"/>aktisk a<span class=\"__12 _768\"/>vkastning minus<span class=\"__12 _777\"> </span> r\u00e4nt<span class=\"__12 _768\"/>eint\u00e4k<span class=\"__12 _768\"/>ter)<span class=\"__12 _b7_5\"> </span>429<span class=\"__12 _8e_4\"> </span><span class=\"ls4_11 ws8_11\">57<span class=\"__12 _783\"> </span></span>133<span class=\"__12 _8e_4\"> </span>19<span class=\"__12 _4b_4\"> </span><span class=\"ls4_11 ws8_11\">51<span class=\"__12 _795\"> </span></span>689<span class=\"__12 _777\"> </span>S\u00e4rskild l\u00f6neskatt/socialf<span class=\"__12 _768\"/>\u00f6rs\u00e4kringsav<span class=\"__12 _768\"/><span class=\"__12 _777\">gifter1</span><span class=\"__12 _b8_4\"> </span>0<span class=\"__12 _829\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _4f_4\"> </span></span>\u2013<span class=\"__12 _831\"> </span>\u2013<span class=\"__12 _4f_4\"> </span>\u2013<span class=\"__12 _829\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _777\"> </span></span>Kostnader f<span class=\"__12 _768\"/>\u00f6r f\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4mda pensionsplaner  (kostnader+, int<span class=\"__12 _768\"/>\u00e4kter-)<span class=\"__12 _b9_5\"> </span>2<span class=\"__12 _4b_4\"> </span>-6<span class=\"__12 _6d_4\"> </span>29<span class=\"__12 _4f_4\"> </span>4<span class=\"__12 _2a_6\"> </span>11<span class=\"__12 _832\"> </span>40<span class=\"__12 _777\"> </span>2021, mn euro<span class=\"__12 _b0_4\"> </span>SE<span class=\"__12 _843\"> </span>NO<span class=\"__12 _2b_6\"> </span>FI<span class=\"__12 _846\"> </span>DK<span class=\"__12 _796\"> </span>GB<span class=\"__12 _f_11\"> </span>Summa<span class=\"__12 _777\"> </span>Omv\u00e4rdering f<span class=\"__12 _768\"/>r\u00e5n f<span class=\"__12 _768\"/>\u00f6r\u00e4ndringar i demogra\ufb01sk<span class=\"__12 _768\"/>a antaganden<span class=\"__12 _ba_5\"> </span>\u2013<span class=\"__12 _831\"> </span>\u2013<span class=\"__12 _837\"> </span>0<span class=\"__12 _4f_4\"> </span>0<span class=\"__12 _829\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _2b_6\"> </span>-1<span class=\"__12 _777\"> </span></span>Omv\u00e4rdering f<span class=\"__12 _768\"/>r\u00e5n f<span class=\"__12 _768\"/>\u00f6r\u00e4ndringar i \ufb01nansiella antaganden<span class=\"__12 _bb_5\"> </span><span class=\"lsc_11 ws10_11\">52<span class=\"__12 _839\"> </span><span class=\"ls4_11 ws8_11\">-14<span class=\"__12 _846\"> </span>-13<span class=\"__12 _821\"> </span><span class=\"lsb_11 wsf_11\">-7<span class=\"__12 _2a_6\"> </span><span class=\"ls8_11 wsc_11\">-4<span class=\"__12 _8e_4\"> </span></span></span>14<span class=\"__12 _777\"> </span></span></span>Omv\u00e4rdering f<span class=\"__12 _768\"/>r\u00e5n erfarenhetsbas<span class=\"__12 _768\"/>erade justeringar<span class=\"__12 _bc_4\"> </span>-5<span class=\"__12 _6d_4\"> </span><span class=\"ls8_11 wsc_11\">23<span class=\"__12 _843\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _b_11\"/>2<span class=\"__12 _2a_6\"> </span></span></span>-3<span class=\"__12 _5c_4\"> </span>1<span class=\"__12 _837\"> </span>4<span class=\"__12 _777\"> </span>Omv\u00e4rdering a<span class=\"__12 _768\"/>v f<span class=\"__12 _768\"/>\u00f6rvaltningstillg\u00e5ngar (f<span class=\"__12 _768\"/>aktisk a<span class=\"__12 _768\"/>vkastning minus<span class=\"__12 _777\"> </span> r\u00e4nt<span class=\"__12 _768\"/>eint\u00e4k<span class=\"__12 _768\"/>ter)<span class=\"__12 _bd_5\"> </span><span class=\"ls3_11 ws3_11\">-21<span class=\"__12 _a7_5\"> </span>-2<span class=\"__12 _b_11\"/>0<span class=\"__12 _839\"> </span></span>-37<span class=\"__12 _8e_4\"> </span>10<span class=\"__12 _821\"> </span><span class=\"ls3_11 ws3_11\">-2<span class=\"__12 _a7_5\"> </span><span class=\"lsb_11 wsf_11\">-7<span class=\"__12 _b_11\"/>0<span class=\"__12 _777\"> </span></span></span>S\u00e4rskild l\u00f6neskatt/socialf<span class=\"__12 _768\"/>\u00f6rs\u00e4kringsav<span class=\"__12 _768\"/><span class=\"__12 _777\">gifter1</span><span class=\"__12 _b8_4\"> </span>6<span class=\"__12 _821\"> </span><span class=\"ls3_11 ws3_11\">-2<span class=\"__12 _4f_4\"> </span></span>\u2013<span class=\"__12 _831\"> </span>\u2013<span class=\"__12 _4f_4\"> </span>\u2013<span class=\"__12 _837\"> </span>4<span class=\"__12 _777\"> </span>Kostnader f<span class=\"__12 _768\"/>\u00f6r f\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4mda pensionsplaner  (kostnader+, int<span class=\"__12 _768\"/>\u00e4kter-)<span class=\"__12 _af_5\"> </span>32<span class=\"__12 _839\"> </span><span class=\"ls4_11 ws8_11\">-13<span class=\"__12 _783\"> </span></span>-62<span class=\"__12 _837\"> </span>0<span class=\"__12 _4b_4\"> </span>-6<span class=\"__12 _867\"> </span>-49<span class=\"__12 _777\"> </span>1)  Kostnader h\u00e4nf<span class=\"__12 _768\"/>\u00f6rliga till s\u00e4rskild l\u00f6neskatt i Sv<span class=\"__12 _768\"/>erige och socialf\u00f6rs\u00e4kringsa<span class=\"__12 _768\"/>vgifter i Norge.<span class=\"__12 _777\"> </span>K8.3 <span class=\"__12 _bf_5\"> </span>Aktier<span class=\"__12 _768\"/>ela<span class=\"__12 _768\"/>terade ers\u00e4<span class=\"__12 _768\"/>ttningsprogr<span class=\"__12 _768\"/>am<span class=\"__12 _777\"> </span>Redovisningsprinciper<span class=\"__12 _777\"> </span>Program som r<span class=\"__12 _768\"/>egleras med eget kapital<span class=\"__12 _768\"/>-instrument Aktierela<span class=\"__12 _768\"/>terad ers\u00e4<span class=\"__12 _768\"/>ttning som regleras med eget k<span class=\"__12 _768\"/>apital-<span class=\"__12 _777\"> </span>instrument inneb\u00e4r a<span class=\"__12 _768\"/>tt <span class=\"ws5_11\">Nordea</span> anv<span class=\"__12 _768\"/>\u00e4nder sina egna eget kapital- <span class=\"__12 _c0_5\"/>instrument s<span class=\"__12 _768\"/>om betalning f\u00f6r erh\u00e5llna v<span class=\"__12 _768\"/>aror eller tj\u00e4ns<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>ter<span class=\"__12 _a_11\"/>. S\u00e5dana transaktioner redo<span class=\"__12 _768\"/>visas som en personalkostnad och en motsvar<span class=\"__12 _768\"/>ande \u00f6kning a<span class=\"__12 _768\"/>v eget kapital. Kostnaden v<span class=\"__12 _768\"/>\u00e4rde<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>ras till det verkligt v<span class=\"__12 _768\"/>\u00e4rdet a<span class=\"__12 _768\"/>v erh\u00e5llna varor eller tj\u00e4ns<span class=\"__12 _768\"/>ter<span class=\"__12 _a_11\"/>, f\u00f6rut<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>satt att det v<span class=\"__12 _768\"/>erkliga v\u00e4rdet kan uppska<span class=\"__12 _768\"/>ttas p\u00e5 ett tillf<span class=\"__12 _768\"/>\u00f6rlitligt s\u00e4tt. Om s\u00e5 inte \u00e4r f<span class=\"__12 _768\"/>allet v\u00e4rder<span class=\"__12 _768\"/>as kostnaden bas<span class=\"__12 _768\"/>erat p\u00e5 det verkliga v\u00e4r<span class=\"__12 _768\"/>det p\u00e5 de eget kapital-instrumen<span class=\"__12 _768\"/>t som tilldela<span class=\"__12 _768\"/>ts, vilket \u00e4r den metod som anv<span class=\"__12 _768\"/>\u00e4nds a<span class=\"__12 _768\"/>v <span class=\"ws5_11\">Nordea</span><span class=\"ls0_12\">.<span class=\"__12 _777\"> </span></span>N\u00e4r Nordea<span class=\"ws0_12\"> emitter<span class=\"__12 _768\"/>ar s\u00e5dana instrumen<span class=\"__12 _768\"/>t kostnadsf<span class=\"__12 _768\"/>\u00f6rs det </span>verkliga v\u00e4r<span class=\"__12 _768\"/>det f\u00f6r dessa r<span class=\"__12 _768\"/>\u00e4ttigheter p\u00e5 tilldelnings<span class=\"__12 _768\"/>dagen linj\u00e4rt \u00f6ver in<span class=\"__12 _768\"/>tj\u00e4nandeperioden. Det verkliga v\u00e4r<span class=\"__12 _768\"/>det per r\u00e4<span class=\"__12 _768\"/>ttighet ber\u00e4knas p\u00e5 tilldelningsdagen och omv<span class=\"__12 _768\"/>\u00e4rderas in<span class=\"__12 _768\"/>te d\u00e4r<span class=\"__12 _768\"/>efter<span class=\"__12 _a_11\"/>. Intj\u00e4nandeperioden \u00e4r den period som de ans<span class=\"__12 _768\"/>t\u00e4llda m\u00e5ste f<span class=\"__12 _768\"/>\u00f6r<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>bli i tj\u00e4nst hos <span class=\"ws5_11\">Nordea</span> f<span class=\"__12 _768\"/>\u00f6r att k<span class=\"__12 _768\"/>unna utnyttja sina r\u00e4<span class=\"__12 _768\"/>ttigheter<span class=\"__12 _a_11\"/>. F\u00f6r r<span class=\"__12 _768\"/>\u00e4ttigheter d\u00e4r r<span class=\"__12 _768\"/>esultatvillk<span class=\"__12 _768\"/>oren in<span class=\"__12 _768\"/>te \u00e4r marknadsbase<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>rade kos<span class=\"__12 _768\"/>tnadsf\u00f6rs ett belopp motsv<span class=\"__12 _768\"/>arande det v<span class=\"__12 _768\"/>erkliga v\u00e4rdet per r\u00e4ttighet p\u00e5 tilldelningsdagen, mul<span class=\"__12 _768\"/>tiplicera<span class=\"__12 _768\"/>t med den b\u00e4sta uppskattningen a<span class=\"__12 _768\"/>v ant<span class=\"__12 _768\"/>alet r\u00e4ttighet<span class=\"__12 _768\"/>er som slutligen kommer att intj\u00e4nas, vilk<span class=\"__12 _768\"/>et omv\u00e4r<span class=\"__12 _768\"/>deras per v<span class=\"__12 _768\"/>arje balansdag. F\u00f6r r<span class=\"__12 _768\"/>\u00e4ttig<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>heter d\u00e4r result<span class=\"__12 _768\"/>atvillkoren \u00e4r marknadsbas<span class=\"__12 _768\"/>erade ber\u00e4knas det samlade verkliga v\u00e4r<span class=\"__12 _768\"/>det som det verkliga v\u00e4r<span class=\"__12 _768\"/>det per r\u00e4ttighet, multiplicera<span class=\"__12 _768\"/>t med det maximala ant<span class=\"__12 _768\"/>alet r\u00e4ttighet<span class=\"__12 _768\"/>er p\u00e5 tilldel<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>ningsdagen. H\u00e4nsyn tas till marknadsbaserade villk<span class=\"__12 _768\"/>or n\u00e4r det verkliga v\u00e4r<span class=\"__12 _768\"/>det f\u00f6r ak<span class=\"__12 _768\"/>tierna som tilldelas ska ber<span class=\"__12 _768\"/>\u00e4knas. Om alla andra in<span class=\"__12 _768\"/>tj\u00e4ningsvillkor (t.ex. servicevillkor) \u00e4r upp<span class=\"__12 _768\"/>fyllda, redovi<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>sar Nordea<span class=\"ws0_12\"> en kos<span class=\"__12 _768\"/>tnad f\u00f6r till<span class=\"__12 _768\"/>delade aktier med marknadsvill<span class=\"__12 _768\"/><span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span></span>kor under intj\u00e4nandeperioden oa<span class=\"__12 _a_11\"/>vsett om dessa marknadsvill<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>kor \u00e4r uppfyllda.<span class=\"__12 _777\"> </span>Sociala av<span class=\"__12 _768\"/>gifter periodiseras ocks\u00e5 \u00f6<span class=\"__12 _768\"/>ver in<span class=\"__12 _768\"/>tj\u00e4nandeperio-<span class=\"__12 _777\"> </span>den. A<span class=\"__12 _a_11\"/>vs\u00e4ttningen f\u00f6r sociala a<span class=\"__12 _768\"/>vgift<span class=\"__12 _768\"/>er omv\u00e4r<span class=\"__12 _768\"/>deras vid v<span class=\"__12 _768\"/>arje balansdag f\u00f6r a<span class=\"__12 _768\"/>tt s\u00e4kerst\u00e4lla a<span class=\"__12 _768\"/>tt den baseras p\u00e5 r<span class=\"__12 _768\"/>\u00e4ttigheter-<span class=\"__12 _777\"> </span>nas verkliga v\u00e4r<span class=\"__12 _768\"/>de p\u00e5 balansdagen.<span class=\"__12 _777\"> </span>Program med k<span class=\"__12 _768\"/>ontan<span class=\"__12 _768\"/>treglering<span class=\"__12 _777\"> </span>Aktie rela<span class=\"__12 _768\"/>terad ers\u00e4<span class=\"__12 _768\"/>ttning med kont<span class=\"__12 _768\"/>antreglering inneb\u00e4r a<span class=\"__12 _768\"/>tt Nordea<span class=\"ws0_12\"> f<span class=\"__12 _768\"/>\u00f6rv\u00e4rvar varor eller tj\u00e4nst<span class=\"__12 _768\"/>er genom att \u00e5dra sig en </span>f\u00f6rplik<span class=\"__12 _768\"/>telse a<span class=\"__12 _768\"/>tt \u00f6verf<span class=\"__12 _768\"/>\u00f6ra kon<span class=\"__12 _768\"/>tan<span class=\"__12 _768\"/>ter eller andra tillg\u00e5ngar till leveran<span class=\"__12 _768\"/>t\u00f6r<span class=\"__12 _768\"/>en av dessa v<span class=\"__12 _768\"/>aror eller tj\u00e4ns<span class=\"__12 _768\"/>ter till ett belopp som baseras p\u00e5 kursen p\u00e5 <span class=\"ws13_11\">Nor<span class=\"__12 _768\"/>dea<span class=\"ws0_12\">s eget kapital-instrumen<span class=\"__12 _768\"/>t. F\u00f6r </span></span>aktie rela<span class=\"__12 _768\"/>terad ers\u00e4<span class=\"__12 _768\"/>ttning med kont<span class=\"__12 _768\"/>ant reglering v<span class=\"__12 _768\"/>\u00e4rder<span class=\"__12 _768\"/>as de f\u00f6rv\u00e4rvade v<span class=\"__12 _768\"/>arorna eller tj\u00e4nsterna och den uppk<span class=\"__12 _768\"/>omna f\u00f6rplik<span class=\"__12 _768\"/><span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>telsen till det verkliga v<span class=\"__12 _768\"/>\u00e4rdet p\u00e5 skulden. Sk<span class=\"__12 _768\"/>ulden omv\u00e4r<span class=\"__12 _768\"/>deras till verkligt v\u00e4r<span class=\"__12 _768\"/>de vid rapportperiodens slut, och eventuella f<span class=\"__12 _768\"/>\u00f6r<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>\u00e4ndringar i verkligt v\u00e4r<span class=\"__12 _768\"/>de redovisas under pos<span class=\"__12 _768\"/>ten \u201dNettoresul<span class=\"__12 _768\"/><span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>tat a<span class=\"__12 _768\"/>v poster till v<span class=\"__12 _768\"/>erkligt v\u00e4rde\u201d i r<span class=\"__12 _768\"/>esulta<span class=\"__12 _768\"/>tr\u00e4kningen.<span class=\"__12 _777\"> </span>Nordea har flera pr<span class=\"__12 _768\"/>ogram f<span class=\"__12 _768\"/>\u00f6r r\u00f6rlig ers\u00e4ttning till utvalda Nordeamedarbetare (<span class=\"__12 _768\"/>deltagare<span class=\"__12 _768\"/>). Villkoren i pr<span class=\"__12 _768\"/>ogrammen  <span class=\"__12 _c0_5\"/>skiljer sig \u00e5t beroende p\u00e5 m\u00e5lgrupp. Uppl<span class=\"__12 _768\"/>ysningar om de aktierela<span class=\"__12 _768\"/>terade pr<span class=\"__12 _768\"/>ogrammen \ufb01nns nedan. Sam<span class=\"__12 _768\"/>tliga ers\u00e4tt-<span class=\"__12 _777\"> </span>ningsprogram beskrivs ocks\u00e5 i a<span class=\"__12 _768\"/>vsnittet \u201dErs\u00e4ttningar\u201d p\u00e5 sidan 79 i f\u00f6rvaltningsber\u00e4<span class=\"__12 _768\"/>ttelsen.<span class=\"__12 _777\"> </span>Fr<span class=\"__12 _768\"/>am till och med slutet a<span class=\"__12 _768\"/>v resul<span class=\"__12 _768\"/>tatm\u00e4tningsperioden/<span class=\"__12 _777\"> </span>r\u00e4kenskaps\u00e5r<span class=\"__12 _768\"/>et 2018 utgjordes Nordeas ak<span class=\"__12 _768\"/>tierela<span class=\"__12 _768\"/>terade pr<span class=\"__12 _768\"/>o-<span class=\"__12 _777\"> </span>gram f<span class=\"__12 _768\"/>\u00f6r r\u00f6rlig ers\u00e4ttning delvis a<span class=\"__12 _a_11\"/>v uppskjuten ers\u00e4ttning med index<span class=\"__12 _768\"/>ering till Nordeaak<span class=\"__12 _768\"/>tiens tot<span class=\"__12 _768\"/>alavkas<span class=\"__12 _768\"/>tning (TSR) och delvis ers\u00e4ttning i f<span class=\"__12 _768\"/>orm a<span class=\"__12 _768\"/>v kont<span class=\"__12 _768\"/>anter<span class=\"__12 _a_11\"/>. Utfallet f<span class=\"__12 _768\"/>r\u00e5n progr<span class=\"__12 _768\"/>am-<span class=\"__12 _777\"> </span>men reglerades i allm\u00e4nhet i k<span class=\"__12 _768\"/>ontan<span class=\"__12 _768\"/>ter och den del som index<span class=\"__12 _768\"/>erades till Nor<span class=\"__12 _768\"/>deas totala<span class=\"__12 _a_11\"/>vkastning redovisades som ett aktierela<span class=\"__12 _768\"/>tera<span class=\"__12 _768\"/>t ers\u00e4ttningsprogr<span class=\"__12 _768\"/>am med kont<span class=\"__12 _768\"/>antregl<span class=\"__12 _768\"/>ering. Index<span class=\"__12 _768\"/>eringen till Nordeaak<span class=\"__12 _768\"/>tiens tot<span class=\"__12 _768\"/>alavkas<span class=\"__12 _768\"/>tning resul<span class=\"__12 _768\"/>terade i en int\u00e4k<span class=\"__12 _768\"/>t p\u00e5 2 mn euro 2022 f<span class=\"__12 _768\"/>\u00f6r de \u00e5t<span class=\"__12 _768\"/>erst\u00e5ende uppskjutna betalningarna h\u00e4nf<span class=\"__12 _768\"/>\u00f6rliga till dessa progr<span class=\"__12 _768\"/>am. Fr<span class=\"__12 _768\"/>\u00e5n och med 2019 regleras ak<span class=\"__12 _768\"/>tierela<span class=\"__12 _768\"/>terade pr<span class=\"__12 _768\"/>ogram f<span class=\"__12 _768\"/>\u00f6r r\u00f6rlig ers\u00e4ttning delvis med k<span class=\"__12 _768\"/>ontan<span class=\"__12 _768\"/>ter utan k<span class=\"__12 _768\"/>oppling till Nordeas aktiek<span class=\"__12 _768\"/>urs, och delvis med Nordeaak<span class=\"__12 _768\"/>tier<span class=\"__12 _a_11\"/>, vilket inne-<span class=\"__12 _777\"> </span>b\u00e4r att den del som betalas i Nordeaak<span class=\"__12 _768\"/>tier \u00e4r ett ak<span class=\"__12 _768\"/>tierelat<span class=\"__12 _768\"/>e-<span class=\"__12 _777\"> </span>rat pr<span class=\"__12 _768\"/>ogram som regler<span class=\"__12 _768\"/>as med eget kapital-ins<span class=\"__12 _768\"/>trument. Index<span class=\"__12 _768\"/>ering till tot<span class=\"__12 _768\"/>alavk<span class=\"__12 _768\"/>astningen kan anv<span class=\"__12 _768\"/>\u00e4ndas i aktier<span class=\"__12 _768\"/>elate-<span class=\"__12 _777\"> </span>rade progr<span class=\"__12 _768\"/>am f\u00f6r r<span class=\"__12 _768\"/>\u00f6rlig ers\u00e4ttning, med h\u00e4nsyn tagen till ope-<span class=\"__12 _777\"> </span>rativ<span class=\"__12 _768\"/>a, administra<span class=\"__12 _768\"/>tiva och ska<span class=\"__12 _768\"/>ttem\u00e4ssiga fr<span class=\"__12 _768\"/>\u00e5gor samt ev<span class=\"__12 _768\"/>entu-<span class=\"__12 _777\"> </span>ella regler som g\u00e4ller f<span class=\"__12 _768\"/>\u00f6r vissa juridiska personer<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>Under 2021 kostnadsf<span class=\"__12 _768\"/>\u00f6rdes 1<span class=\"__12 _768\"/>7 mn euro f<span class=\"__12 _768\"/>\u00f6r r\u00f6rlig ers\u00e4ttning med betalning i kon<span class=\"__12 _768\"/>tanter och 16 mn eur<span class=\"__12 _768\"/>o med betalning i aktier inom r<span class=\"__12 _768\"/>amen f\u00f6r e<span class=\"__12 _768\"/>x<span class=\"__12 _768\"/>ecutive incen<span class=\"__12 _768\"/>tive progr<span class=\"__12 _768\"/>amme (EIP). Under 2022 juster<span class=\"__12 _768\"/>ades dessa ers\u00e4ttningar till 11 mn euro f<span class=\"__12 _768\"/>\u00f6r den del som betalas i aktier och ytt<span class=\"__12 _768\"/>erligare 15 mn euro i k<span class=\"__12 _768\"/>on<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>tanter<span class=\"__12 _a_11\"/>, samtidigt som r<span class=\"__12 _768\"/>\u00f6rlig l\u00f6nedel och bonusprogram bidr<span class=\"__12 _768\"/>og <span class=\"__12 _777\">med ytterligare 8 mn euro i k</span><span class=\"__12 _768\"/>ostnader fr<span class=\"__12 _768\"/>\u00e5n reglering med eget<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>kapitalinstrumen<span class=\"__12 _768\"/>t. Under 2022 har deltagarna i dessa program erh\u00e5llit <span class=\"ws0_12\">1 7<span class=\"ls0_12\">9</span>6 442 aktier i </span>Nordea<span class=\"ws0_12\">, vilket mo<span class=\"__12 _768\"/>tsvar<span class=\"__12 _768\"/><span class=\"__12 _777\">ar 19 mn euro </span></span>baserat p\u00e5 ak<span class=\"__12 _768\"/>tiekursen p\u00e5 tilldelningsdagen. <span class=\"__12 _a_11\"/>T<span class=\"__12 _be_5\"/>otalt tilldelades <span class=\"__12 _777\">deltagarna 2 2</span><span class=\"__12 _768\"/>43 143 aktier<span class=\"__12 _a_11\"/>. Dessa aktier hade ett verkligt v\u00e4r<span class=\"__12 _768\"/>de <span class=\"__12 _777\">p\u00e5 24 mn euro bas</span><span class=\"__12 _768\"/>erat p\u00e5 ak<span class=\"__12 _768\"/>tiekursen p\u00e5 tilldelningsdagen.<span class=\"__12 _777\"> </span>T<span class=\"__12 _a_11\"/>abellen nedan visar samtliga progr<span class=\"__12 _768\"/>am med aktier<span class=\"__12 _768\"/>elate-<span class=\"__12 _777\"> </span>rade kos<span class=\"__12 _768\"/>tnader som redovisa<span class=\"__12 _768\"/>ts under 2022 samt j\u00e4m<span class=\"__12 _768\"/>f\u00f6r<span class=\"__12 _768\"/>else-<span class=\"__12 _777\"> </span><span class=\"__12 _777\">siffrorna f</span><span class=\"__12 _768\"/><span class=\"__12 _777\">\u00f6r 2021. Siffrorna f</span><span class=\"__12 _a_11\"/>\u00f6r 2022 grundas p\u00e5 det f\u00f6rv\u00e4n-<span class=\"__12 _777\"> </span>tade utfallet 2022 och sam<span class=\"__12 _768\"/><span class=\"__12 _777\">tliga siffr</span><span class=\"__12 _768\"/>or \u00e4r exklusiv<span class=\"__12 _768\"/>e sociala av<span class=\"__12 _768\"/>gifter<span class=\"__12 _a_11\"/>. Kostnaden f<span class=\"__12 _768\"/>\u00f6r 2022 grundas p\u00e5 ett antagande om antal ak<span class=\"__12 _768\"/>tier som kommer a<span class=\"__12 _768\"/>tt tilldelas och omf<span class=\"__12 _768\"/>attas a<span class=\"__12 _768\"/>v upp-<span class=\"__12 _777\"> </span>skjutanderegler med \u00f6v<span class=\"__12 _768\"/>erl\u00e5telse under eft<span class=\"__12 _768\"/>erf\u00f6ljande \u00e5r<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>Aktierela<span class=\"__12 _768\"/>ter<span class=\"__12 _768\"/>ade ers\u00e4ttningsprogr<span class=\"__12 _768\"/>amm<span class=\"__12 _777\"> </span>Program\u00e5r<span class=\"__12 _777\"> </span>Eget kapital- ell<span class=\"__12 _768\"/>er <span class=\"__12 _786\"/> kontantr<span class=\"__12 _768\"/>eglerade<span class=\"__12 _777\"> </span>\u00d6verl\u00e5telse-<span class=\"__12 _777\"> </span>period<span class=\"__12 _817\"> </span>K<span class=\"__12 _768\"/>ostnad 2022<span class=\"__12 _817\"> </span>Kostnad 2021<span class=\"__12 _777\"> </span>Skuld 31 dec 2022<span class=\"__12 _777\"> </span>Skuld 31 dec 2021<span class=\"__12 _777\"> </span>Utst\u00e5ende r\u00e4ttigheter<span class=\"__12 _777\"> </span>2022<span class=\"__12 _777\"> </span>- L<span class=\"__12 _a_11\"/>TIP<span class=\"__12 _c1_4\"> </span>Eget kapital<span class=\"__12 _768\"/>-reglera<span class=\"__12 _768\"/>t<span class=\"__12 _798\"> </span>202<span class=\"__12 _b_11\"/>5\u20132030<span class=\"__12 _c2_5\"> </span>1<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _834\"> </span>\u2013<span class=\"__12 _5a_4\"> </span>\u2013<span class=\"__12 _7b_4\"> </span>Ja<span class=\"__12 _777\"> </span>1 - NIP<span class=\"__12 _c3_4\"> </span>Eget kapital<span class=\"__12 _768\"/>-reglera<span class=\"__12 _768\"/>t<span class=\"__12 _806\"> </span>2023\u20132028<span class=\"__12 _818\"> </span>12<span class=\"__12 _834\"> </span>\u2013<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _5a_4\"> </span>\u2013<span class=\"__12 _822\"> </span>Ja<span class=\"__12 _777\"> </span>2 - Utk\u00f6p, etc.<span class=\"__12 _c4_4\"> </span>Eget kapital<span class=\"__12 _768\"/>-reglera<span class=\"__12 _768\"/>t<span class=\"__12 _806\"> </span>2022\u20132026<span class=\"__12 _834\"> </span>0<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _818\"> </span>\u2013<span class=\"__12 _822\"> </span>Ja<span class=\"__12 _777\"> </span>2 2021<span class=\"__12 _777\"> </span>- L<span class=\"__12 _a_11\"/>TIP<span class=\"__12 _c1_4\"> </span>Eget kapital<span class=\"__12 _768\"/>-reglera<span class=\"__12 _768\"/>t<span class=\"__12 _806\"> </span>202<span class=\"__12 _768\"/>4\u20132029<span class=\"__12 _c2_5\"> </span>1<span class=\"__12 _c2_5\"> </span>1<span class=\"__12 _834\"> </span>\u2013<span class=\"__12 _5a_4\"> </span>\u2013<span class=\"__12 _822\"> </span>Ja<span class=\"__12 _777\"> </span>3<span class=\"__12 _777\"> </span>- EIP<span class=\"__12 _c5_5\"> </span>Eget kapital<span class=\"__12 _768\"/>-reglera<span class=\"__12 _768\"/>t<span class=\"__12 _812\"> </span>2022\u20132027<span class=\"__12 _827\"> </span>-5<span class=\"__12 _5a_4\"> </span>16<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _818\"> </span>\u2013<span class=\"__12 _818\"> </span>Ja - R\u00f6rlig l\u00f6nedel/bonus<span class=\"__12 _8e_4\"> </span>Eget kapital-regler<span class=\"__12 _768\"/>at<span class=\"__12 _812\"> </span>2022\u20132027<span class=\"__12 _778\"> </span>8<span class=\"__12 _834\"> </span>\u2013<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _5a_4\"> </span>\u2013<span class=\"__12 _818\"> </span>Ja - Utk\u00f6p, etc.<span class=\"__12 _c4_4\"> </span>Eget kapital<span class=\"__12 _768\"/>-reglera<span class=\"__12 _768\"/>t<span class=\"__12 _812\"> </span>2022\u2013<span class=\"__12 _768\"/>2023<span class=\"__12 _834\"> </span>0<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _818\"> </span>\u2013<span class=\"__12 _818\"> </span>Ja<span class=\"__12 _777\"> </span>2020<span class=\"__12 _777\"> </span>- L<span class=\"__12 _a_11\"/>TIP<span class=\"__12 _c1_4\"> </span>Eget kapital<span class=\"__12 _768\"/>-reglera<span class=\"__12 _768\"/>t<span class=\"__12 _806\"> </span>2023\u20132028<span class=\"__12 _778\"> </span>0<span class=\"__12 _834\"> </span>0<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _818\"> </span>\u2013<span class=\"__12 _818\"> </span>Ja<span class=\"__12 _777\"> </span>- EIP<span class=\"__12 _c5_5\"> </span>Eget kapital<span class=\"__12 _768\"/>-reglera<span class=\"__12 _768\"/>t<span class=\"__12 _c6_4\"> </span>2021\u2013<span class=\"__12 _768\"/>2026<span class=\"__12 _824\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _827\"> </span></span>-5<span class=\"__12 _834\"> </span>\u2013<span class=\"__12 _5a_4\"> </span>\u2013<span class=\"__12 _5a_4\"> </span>Ja<span class=\"__12 _777\"> </span>- R\u00f6rlig l\u00f6nedel/bonus<span class=\"__12 _8e_4\"> </span>Eget kapital-regler<span class=\"__12 _768\"/>at<span class=\"__12 _812\"> </span>2021\u20132026<span class=\"__12 _824\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _c2_5\"> </span></span>7<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _5a_4\"> </span>\u2013<span class=\"__12 _818\"> </span>Ja<span class=\"__12 _777\"> </span>- Utk\u00f6p, etc.<span class=\"__12 _c4_4\"> </span>Eget kapital<span class=\"__12 _768\"/>-reglera<span class=\"__12 _768\"/>t<span class=\"__12 _c6_4\"> </span>2021\u2013<span class=\"__12 _768\"/>2026<span class=\"__12 _834\"> </span>0<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _818\"> </span>\u2013<span class=\"__12 _818\"> </span>Ja<span class=\"__12 _777\"> </span>Tidigare \u00e5r<span class=\"__12 _c7_4\"> </span><span class=\"ff2_12\">Kont<span class=\"__12 _768\"/>antregler<span class=\"__12 _768\"/>at<span class=\"__12 _806\"> </span>2022\u20132025<span class=\"__12 _824\"> </span><span class=\"ls3_11 ws3_11\">-2<span class=\"__12 _818\"> </span></span>16<span class=\"__12 _852\"> </span>7<span class=\"__12 _835\"> </span><span class=\"ls3_11 ws3_11\">24<span class=\"__12 _835\"> </span></span>Nej<span class=\"__12 _777\"> </span></span>Eget kapital<span class=\"__12 _768\"/>-reglera<span class=\"__12 _768\"/>t<span class=\"__12 _812\"> </span>2022\u2013<span class=\"__12 _768\"/>2025<span class=\"__12 _824\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _c8_5\"> </span>-1<span class=\"__12 _778\"> </span></span>\u2013<span class=\"__12 _818\"> </span>\u2013<span class=\"__12 _818\"> </span>Ja<span class=\"__12 _777\"> </span>Summa<span class=\"__12 _c9_5\"> </span>12<span class=\"__12 _854\"> </span>34<span class=\"__12 _852\"> </span>7<span class=\"__12 _800\"> </span><span class=\"ls3_11 ws3_11\">24<span class=\"__12 _777\"> </span></span>1)  R\u00e4ttigheter tilldelas efter den tre\u00e5riga resul<span class=\"__12 _768\"/>tatm\u00e4tningsperiodens slut (2022\u2013<span class=\"__12 _768\"/>2024), under den efterf<span class=\"__12 _768\"/>\u00f6ljande \u00f6verl\u00e5t<span class=\"__12 _768\"/>elseperioden (2025\u20132030).<span class=\"__12 _777\"> </span>2)  R\u00e4ttigheter tilldelas under 2023 utifr\u00e5n result<span class=\"__12 _768\"/>atet f\u00f6r 2022.<span class=\"__12 _777\"> </span>3)  R\u00e4ttigheter tilldelas efter den tre\u00e5riga resul<span class=\"__12 _768\"/>tatm\u00e4tningsperiodens slut (2021<span class=\"__12 _768\"/>\u20132023), under den efterf\u00f6ljande \u00f6<span class=\"__12 _768\"/>verl\u00e5telseperioden (202<span class=\"__12 _768\"/>4\u20132029).<span class=\"__12 _777\"> </span>Nordeas l\u00e5ngsik<span class=\"__12 _768\"/>tiga incitamentsprogr<span class=\"__12 _768\"/>am<span class=\"__12 _777\"> </span>Nordea har l\u00e5ngsiktiga incit<span class=\"__12 _768\"/>amentspr<span class=\"__12 _768\"/>ogram (L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _a_11\"/>, long term incentiv<span class=\"__12 _768\"/>e plan) f\u00f6r k<span class=\"__12 _768\"/>oncernchef<span class=\"__12 _768\"/>en, de medlemmar i koncern-<span class=\"__12 _777\"> </span>ledningen som ing\u00e5r i f\u00f6rs<span class=\"__12 _768\"/>ta f\u00f6rsvarslinjen och h\u00f6gs<span class=\"__12 _768\"/>t 50 andra ledande befa<span class=\"__12 _768\"/>ttningshav<span class=\"__12 _768\"/>are v<span class=\"__12 _768\"/>arje \u00e5r<span class=\"__12 _a_11\"/>. L<span class=\"__12 _a_11\"/>TIP har funnits i Nor<span class=\"__12 _768\"/>dea sedan 2020 och vid starten innef<span class=\"__12 _768\"/>attades k<span class=\"__12 _768\"/>oncernchef<span class=\"__12 _768\"/>en och de medlemmar i koncernledningen som ing\u00e5r i f<span class=\"__12 _768\"/>\u00f6rsta f<span class=\"__12 _768\"/>\u00f6r-<span class=\"__12 _777\"> </span>svarslinjen. Under 2021 ut\u00f6kades L<span class=\"__12 _be_5\"/>TIP till a<span class=\"__12 _768\"/>tt ocks\u00e5 innefa<span class=\"__12 _768\"/>tta upp till 50 andra ledande bef<span class=\"__12 _768\"/>attningsha<span class=\"__12 _768\"/>var<span class=\"__12 _768\"/>e. Den 31 mars 2022 beslutade styr<span class=\"__12 _768\"/>elsen om ett nytt progr<span class=\"__12 _768\"/>am, L<span class=\"__12 _be_5\"/>TIP 2022, f<span class=\"__12 _768\"/>\u00f6r samma m\u00e5lgrupp som 2021, det vill s\u00e4ga koncernchef<span class=\"__12 _768\"/>en och de medlemmar i koncernledningen som ing\u00e5r i f<span class=\"__12 _768\"/>\u00f6rsta f<span class=\"__12 _768\"/>\u00f6r-<span class=\"__12 _777\"> </span>svarslinjen samt upp till 50 andr<span class=\"__12 _768\"/>a ledande befa<span class=\"__12 _768\"/>ttningsha<span class=\"__12 _768\"/>vare.<span class=\"__12 _777\"> </span>V<span class=\"__12 _a_11\"/>ardera L<span class=\"__12 _be_5\"/>TIP t\u00e4cker en resul<span class=\"__12 _768\"/>tatm\u00e4tningsperiod p\u00e5 tr<span class=\"__12 _768\"/>e \u00e5r fr\u00e5n tidpunk<span class=\"__12 _768\"/>ten f<span class=\"__12 _768\"/>\u00f6r inf<span class=\"__12 _768\"/>\u00f6randet, och de regler<span class=\"__12 _768\"/>as helt med eget kapital-instrumen<span class=\"__12 _768\"/>t. Programmen erbjuder deltagarna villk<span class=\"__12 _768\"/>o-<span class=\"__12 _777\"> </span>rade ak<span class=\"__12 _768\"/>tier<span class=\"__12 _a_11\"/>, det vill s\u00e4ga ett l\u00f6fte till deltagaren om tilldelning av ak<span class=\"__12 _768\"/>tier om vissa pres<span class=\"__12 _768\"/>tationskriterier upp<span class=\"__12 _768\"/>fylls. Det h\u00f6gsta an<span class=\"__12 _768\"/>talet aktier s<span class=\"__12 _768\"/>om kan f\u00f6r<span class=\"__12 _768\"/>delas till deltagarna beslutas n\u00e4r respek<span class=\"__12 _768\"/>tive L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _768\"/> inf<span class=\"__12 _768\"/>\u00f6rs, och det slutliga antalet aktier som f<span class=\"__12 _768\"/>ak<span class=\"__12 _768\"/>tiskt tilldelas v<span class=\"__12 _768\"/>arje deltagare k<span class=\"__12 _768\"/>ommer att f<span class=\"__12 _768\"/>ast-<span class=\"__12 _777\"> </span>st\u00e4llas efter den 3-<span class=\"__12 _768\"/>\u00e5riga result<span class=\"__12 _768\"/>atm\u00e4tningsperiodens slut. Inga aktier tilldelas vid tidpunk<span class=\"__12 _768\"/>ten f<span class=\"__12 _768\"/>\u00f6r L<span class=\"__12 _be_5\"/>TIP-programmens inf<span class=\"__12 _768\"/>\u00f6r<span class=\"__12 _768\"/>an-<span class=\"__12 _777\"> </span>de och f\u00f6r<span class=\"__12 _768\"/>delningen av de villk<span class=\"__12 _768\"/>orade ak<span class=\"__12 _768\"/>tierna.<span class=\"__12 _777\"> </span>Efter resul<span class=\"__12 _768\"/>tatm\u00e4<span class=\"__12 _768\"/>tningsperiodens slut och n\u00e4r styrels<span class=\"__12 _768\"/>en har beslutat om ak<span class=\"__12 _768\"/>tietilldelningen fr<span class=\"__12 _768\"/>\u00e5n L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _a_11\"/>, omfattas delar a<span class=\"__12 _a_11\"/>v aktietilldelningen a<span class=\"__12 _768\"/>v en uppskjutandeperiod med \u00e5rlig \u00f6v<span class=\"__12 _768\"/>erl\u00e5-<span class=\"__12 _777\"> </span>telse i lika st<span class=\"__12 _768\"/>ora delar under den kommande f<span class=\"__12 _768\"/>em\u00e5rsperioden. Aktier som \u00f6<span class=\"__12 _768\"/>verl\u00e5tits till del<span class=\"__12 _768\"/>tagarna omf<span class=\"__12 _768\"/>attas a<span class=\"__12 _768\"/>v en kv<span class=\"__12 _768\"/>arh\u00e5l-<span class=\"__12 _777\"> </span>landeperiod p\u00e5 12 m\u00e5nader<span class=\"__12 _a_11\"/>, under vilken deltagarna varken kan s\u00e4lja dem eller genomf<span class=\"__12 _768\"/>\u00f6ra n\u00e5gr<span class=\"__12 _768\"/>a andra transak<span class=\"__12 _768\"/>tioner<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>L<span class=\"__12 _be_5\"/>TIP kostnadsf<span class=\"__12 _768\"/>\u00f6rs linj\u00e4rt under resulta<span class=\"__12 _768\"/>tm\u00e4tningsperioden och uppskjutandeperioden, enligt beskrivningen nedan som omf<span class=\"__12 _768\"/>attar re<span class=\"__12 _768\"/>spektiv<span class=\"__12 _768\"/>e L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>L<span class=\"__12 _a_11\"/>TIP<span class=\"__12 _5d_4\"> </span>L<span class=\"__12 _a_11\"/>TIP 2020-2022<span class=\"__12 _ca_4\"> </span>L<span class=\"__12 _a_11\"/>TIP 2021-<span class=\"__12 _768\"/>2023<span class=\"__12 _772\"> </span>L<span class=\"__12 _be_5\"/>TIP 2022-2024<span class=\"__12 _777\"> </span>Styrelsens<span class=\"__12 _777\"> </span> beslut om<span class=\"__12 _777\"> </span> program<span class=\"__12 _777\"> </span>11 juni 2020<span class=\"__12 _cb_4\"> </span>31 mars 2021<span class=\"__12 _cc_5\"> </span>31 mars 2022<span class=\"__12 _777\"> </span>Resulta<span class=\"__12 _768\"/>t-<span class=\"__12 _777\"> </span>m\u00e4tnings-<span class=\"__12 _777\"> </span>period<span class=\"__12 _777\"> </span>1 januari 2020\u201331 december 2022<span class=\"__12 _2b_6\"> </span>1 januari 2021\u201331 december 2023<span class=\"__12 _831\"> </span>1 januari 2022\u201331 december 2024<span class=\"__12 _777\"> </span>M\u00e5lgrupp<span class=\"__12 _781\"> </span>Koncernchef och medlemmar i<span class=\"__12 _777\"> </span> koncernledningen som ing\u00e5r i f<span class=\"__12 _768\"/>\u00f6rsta<span class=\"__12 _777\"> </span> f\u00f6rsvarslinjen<span class=\"__12 _777\"> </span>Koncernchef och medlemmar i<span class=\"__12 _777\"> </span> koncernledningen som ing\u00e5r i f<span class=\"__12 _768\"/>\u00f6rsta<span class=\"__12 _777\"> </span> f\u00f6rsvarslinjen sam<span class=\"__12 _768\"/>t upp till 50 andra<span class=\"__12 _777\"> </span> ledande befattningsha<span class=\"__12 _768\"/>var<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span>Koncernchef och medlemmar i<span class=\"__12 _777\"> </span> koncernledningen som ing\u00e5r i f<span class=\"__12 _768\"/>\u00f6rsta<span class=\"__12 _777\"> </span> f\u00f6rsvarslinjen sam<span class=\"__12 _768\"/>t upp till 50 andra<span class=\"__12 _777\"> </span> ledande befattningsha<span class=\"__12 _768\"/>var<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span>Maximalt antal<span class=\"__12 _777\"> </span> aktier som kan<span class=\"__12 _777\"> </span> f\u00f6rdelas<span class=\"__12 _777\"> </span>650 000<span class=\"__12 _cd_4\"> </span>1 397 500<span class=\"__12 _ce_5\"> </span>1 535 000<span class=\"__12 _777\"> </span>Tilldelning<span class=\"__12 _2f_6\"> </span>Andra kvartalet 2023<span class=\"__12 _cf_4\"> </span>Andra kvartalet 202<span class=\"__12 _768\"/>4<span class=\"__12 _cf_4\"> </span>Andra kvartalet 2025<span class=\"__12 _777\"> </span>Presta<span class=\"__12 _768\"/>tions-<span class=\"__12 _777\"> </span>kriterier (med<span class=\"__12 _777\"> </span> lika vikt)<span class=\"__12 _777\"> </span>Absolut totala<span class=\"__12 _768\"/>vkastning (aT<span class=\"__12 _768\"/>SR)<span class=\"__12 _777\"> </span>Relativ to<span class=\"__12 _768\"/>talavk<span class=\"__12 _768\"/>astning (rTSR)<span class=\"__12 _777\"> </span>Ackumulerad vins<span class=\"__12 _768\"/>t per aktie (EPS)<span class=\"__12 _777\"> </span>Absolut totala<span class=\"__12 _768\"/>vkastning (aT<span class=\"__12 _768\"/>SR)<span class=\"__12 _777\"> </span> Relativ to<span class=\"__12 _768\"/>talavk<span class=\"__12 _768\"/>astning (rTSR)<span class=\"__12 _777\"> </span> Ackumulerad vins<span class=\"__12 _768\"/>t per aktie (EPS)<span class=\"__12 _777\"> </span>Absolut totala<span class=\"__12 _768\"/>vkastning (aT<span class=\"__12 _768\"/>SR)<span class=\"__12 _777\"> </span> Relativ to<span class=\"__12 _768\"/>talavk<span class=\"__12 _768\"/>astning (rTSR)<span class=\"__12 _777\"> </span> Ackumulerad vins<span class=\"__12 _768\"/>t per aktie (EPS)<span class=\"__12 _777\"> </span>Tj\u00e4nstg\u00f6rings-<span class=\"__12 _777\"> </span>villkor<span class=\"__12 _777\"> </span>Anst\u00e4lld i Nordeakonc<span class=\"__12 _768\"/>ernen under<span class=\"__12 _777\"> </span> intj\u00e4nandeperioden p\u00e5 3\u20138 \u00e5r<span class=\"__12 _777\"> </span>Anst\u00e4llningen f\u00e5r in<span class=\"__12 _768\"/>te ha a<span class=\"__12 _768\"/>vslutats innan<span class=\"__12 _777\"> </span> tilldelningen bekr\u00e4ftas<span class=\"__12 _777\"> </span>Anst\u00e4llningen f\u00e5r in<span class=\"__12 _768\"/>te ha a<span class=\"__12 _768\"/>vslutats innan<span class=\"__12 _777\"> </span> tilldelningen bekr\u00e4ftas<span class=\"__12 _777\"> </span>Presta<span class=\"__12 _768\"/>tions-<span class=\"__12 _777\"> </span>kriterium aTSR<span class=\"__12 _777\"> </span>Uppg\u00e5ng f\u00f6r Nordeas ak<span class=\"__12 _768\"/>tiekurs i absoluta<span class=\"__12 _777\"> </span> termer (med \u00e5terinv<span class=\"__12 _768\"/>ester<span class=\"__12 _768\"/>ad utdelning).<span class=\"__12 _777\"> </span>H\u00f6gsta tilldelning f<span class=\"__12 _768\"/>\u00f6r aTSR \u00f6ver 12,00<span class=\"__12 _777\"> </span> euro. Ingen tilldelning f<span class=\"__12 _768\"/>\u00f6r aTSR under 6,50<span class=\"__12 _777\"> </span> euro.<span class=\"__12 _777\"> </span>Uppg\u00e5ng f\u00f6r Nordeas ak<span class=\"__12 _768\"/>tiekurs i absoluta<span class=\"__12 _777\"> </span> termer (med \u00e5terinv<span class=\"__12 _768\"/>ester<span class=\"__12 _768\"/>ad utdelning).<span class=\"__12 _777\"> </span> H\u00f6gsta tilldelning f<span class=\"__12 _768\"/>\u00f6r aTSR \u00f6ver 13,<span class=\"__12 _a_11\"/>10 euro.<span class=\"__12 _777\"> </span> Ingen tilldelning f\u00f6r aTSR under 7<span class=\"__12 _a_11\"/>,60 euro.<span class=\"__12 _777\"> </span>Uppg\u00e5ng f\u00f6r Nordeas ak<span class=\"__12 _768\"/>tiekurs i absoluta<span class=\"__12 _777\"> </span> termer (med \u00e5terinv<span class=\"__12 _768\"/>ester<span class=\"__12 _768\"/>ad utdelning).<span class=\"__12 _777\"> </span> H\u00f6gsta tilldelning f<span class=\"__12 _768\"/>\u00f6r aTSR \u00f6ver<span class=\"__12 _777\"> </span> <span class=\"__12 _777\">14,97 euro. Ingen tilldelning f</span><span class=\"__12 _768\"/>\u00f6r aTSR<span class=\"__12 _777\"> </span> under 9,84 euro.<span class=\"__12 _777\"> </span>Presta<span class=\"__12 _768\"/>tions-<span class=\"__12 _777\"> </span>kriterium rTSR<span class=\"__12 _777\"> </span>Uppg\u00e5ng f\u00f6r Nordeas ak<span class=\"__12 _768\"/>tiekurs (med<span class=\"__12 _777\"> </span> \u00e5terinv<span class=\"__12 _768\"/>esterad ut<span class=\"__12 _768\"/>delning) i f\u00f6rh\u00e5llande till<span class=\"__12 _777\"> </span> en grupp med nio konkurren<span class=\"__12 _768\"/>ter<span class=\"__12 _a_11\"/>. H\u00f6gsta<span class=\"__12 _777\"> </span> tilldelning f\u00f6r rTSR om Nor<span class=\"__12 _768\"/>dea \u00e4r nummer<span class=\"__12 _777\"> </span> ett bland konkurren<span class=\"__12 _768\"/>terna. Ingen tilldelning<span class=\"__12 _777\"> </span> f\u00f6r rTSR om Nor<span class=\"__12 _768\"/>dea \u00e4r nummer sex eller<span class=\"__12 _777\"> </span> s\u00e4mre bland konkurr<span class=\"__12 _768\"/>enterna.<span class=\"__12 _777\"> </span>Uppg\u00e5ng f\u00f6r Nordeas ak<span class=\"__12 _768\"/>tiekurs (med<span class=\"__12 _777\"> </span> \u00e5terinv<span class=\"__12 _768\"/>esterad ut<span class=\"__12 _768\"/>delning) i f\u00f6rh\u00e5llande till<span class=\"__12 _777\"> </span> en grupp med nio konkurren<span class=\"__12 _768\"/>ter<span class=\"__12 _a_11\"/>. H\u00f6gsta<span class=\"__12 _777\"> </span> tilldelning f\u00f6r rTSR om Nor<span class=\"__12 _768\"/>dea \u00e4r nummer<span class=\"__12 _777\"> </span> ett bland konkurren<span class=\"__12 _768\"/>terna. Ingen tilldelning<span class=\"__12 _777\"> </span> f\u00f6r rTSR om Nor<span class=\"__12 _768\"/>dea \u00e4r nummer sex eller<span class=\"__12 _777\"> </span> s\u00e4mre bland konkurr<span class=\"__12 _768\"/>enterna.<span class=\"__12 _777\"> </span>Uppg\u00e5ng f\u00f6r Nordeas ak<span class=\"__12 _768\"/>tiekurs (med<span class=\"__12 _777\"> </span> \u00e5terinv<span class=\"__12 _768\"/>esterad ut<span class=\"__12 _768\"/>delning) i f\u00f6rh\u00e5llande till<span class=\"__12 _777\"> </span> en grupp med fem konk<span class=\"__12 _768\"/>urrent<span class=\"__12 _768\"/>er<span class=\"__12 _768\"/>. H\u00f6gsta<span class=\"__12 _777\"> </span> tilldelning f\u00f6r rTSR om Nor<span class=\"__12 _768\"/>dea \u00e4r nummer<span class=\"__12 _777\"> </span> ett bland konkurren<span class=\"__12 _768\"/>terna. Ingen tilldelning<span class=\"__12 _777\"> </span> f\u00f6r rTSR om Nor<span class=\"__12 _768\"/>dea \u00e4r nummer fyra eller<span class=\"__12 _777\"> </span> s\u00e4mre bland konkurr<span class=\"__12 _768\"/>enterna.<span class=\"__12 _777\"> </span>Presta<span class=\"__12 _768\"/>tions-<span class=\"__12 _777\"> </span>kriterium EPS<span class=\"__12 _777\"> </span>Samlat resulta<span class=\"__12 _768\"/>t per aktie f<span class=\"__12 _768\"/>\u00f6r perioden<span class=\"__12 _777\"> </span> 2021\u2013<span class=\"__12 _768\"/>2022. H\u00f6gsta tilldelning f<span class=\"__12 _768\"/>\u00f6r EPS \u00f6ver<span class=\"__12 _777\"> </span> 1,80 euro. Ingen tilldelning f\u00f6r EPS under<span class=\"__12 _777\"> </span> 1,20 euro.<span class=\"__12 _777\"> </span>Samlat resulta<span class=\"__12 _768\"/>t per aktie f<span class=\"__12 _768\"/>\u00f6r perioden<span class=\"__12 _777\"> </span> 2021\u2013<span class=\"__12 _768\"/>2023. H\u00f6gsta tilldelning f\u00f6r EPS \u00f6<span class=\"__12 _768\"/>ver<span class=\"__12 _777\"> </span> 2,56 euro. Ingen tilldelning f<span class=\"__12 _768\"/>\u00f6r EPS under<span class=\"__12 _777\"> </span> 2,00 euro.<span class=\"__12 _777\"> </span>Samlat resulta<span class=\"__12 _768\"/>t per aktie f<span class=\"__12 _768\"/>\u00f6r perioden<span class=\"__12 _777\"> </span> 2022\u2013202<span class=\"__12 _768\"/>4. H\u00f6gsta tilldelning f<span class=\"__12 _768\"/>\u00f6r EPS \u00f6ver<span class=\"__12 _777\"> </span> 3,20 euro. Ingen tilldelning f\u00f6r EPS under<span class=\"__12 _777\"> </span> 2,40 euro.<span class=\"__12 _777\"> </span>Villkor f\u00f6r<span class=\"__12 _777\"> </span> riskjustering<span class=\"__12 _777\"> </span>Ingen utbetalning om Nordeas<span class=\"__12 _777\"> </span> genomsnittliga avkas<span class=\"__12 _768\"/>tning p\u00e5 eget kapital<span class=\"__12 _777\"> </span> (enligt rapportering) 2020\u2013<span class=\"__12 _768\"/>2022 \u00e4r under<span class=\"__12 _777\"> </span> 3 procent eller om ak<span class=\"__12 _768\"/>tiens slutkurs \u00e4r l\u00e4gr<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span> \u00e4n aktiens startkurs.<span class=\"__12 _777\"> </span>Ingen utbetalning om Nordeas<span class=\"__12 _777\"> </span> genomsnittliga avkas<span class=\"__12 _768\"/>tning p\u00e5 eget kapital<span class=\"__12 _777\"> </span> (enligt rapportering) 2021<span class=\"__12 _768\"/>\u20132023 \u00e4r under<span class=\"__12 _777\"> </span> <span class=\"__12 _777\">3 procent eller om ak</span><span class=\"__12 _768\"/>tiens slutkurs \u00e4r l\u00e4gr<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span> \u00e4n aktiens startkurs.<span class=\"__12 _777\"> </span>Ingen utbetalning om Nordeas<span class=\"__12 _777\"> </span> genomsnittliga avkas<span class=\"__12 _768\"/>tning p\u00e5 eget kapital<span class=\"__12 _777\"> </span> (enligt rapportering) 2022\u2013<span class=\"__12 _768\"/>2024 \u00e4r under<span class=\"__12 _777\"> </span> 3 procent eller om ak<span class=\"__12 _768\"/>tiens slutkurs \u00e4r l\u00e4gr<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span> \u00e4n aktiens startkurs.<span class=\"__12 _777\"> </span>\u00d6vre gr\u00e4ns<span class=\"__12 _802\"> </span>Tilldelningen k<span class=\"__12 _768\"/>an inte \u00f6v<span class=\"__12 _768\"/>erstiga<span class=\"__12 _777\"> </span> <span class=\"__12 _777\">200 procent a</span><span class=\"__12 _768\"/>v deltagar<span class=\"__12 _768\"/>ens l\u00f6n.<span class=\"__12 _777\"> </span>Tilldelningen kan inte \u00f6<span class=\"__12 _768\"/>verstiga<span class=\"__12 _777\"> </span> <span class=\"__12 _777\">200 procent a</span><span class=\"__12 _768\"/>v deltagar<span class=\"__12 _768\"/>ens l\u00f6n.<span class=\"__12 _777\"> </span>Tilldelningen kan inte \u00f6<span class=\"__12 _768\"/>verstiga<span class=\"__12 _777\"> </span> <span class=\"__12 _777\">200 procent a</span><span class=\"__12 _768\"/>v deltagar<span class=\"__12 _768\"/>ens l\u00f6n.<span class=\"__12 _777\"> </span>\u00d6verl\u00e5telse-<span class=\"__12 _777\"> </span>mekanism<span class=\"__12 _777\"> </span>40 procent a<span class=\"__12 _768\"/>v ak<span class=\"__12 _768\"/>tierna i even<span class=\"__12 _768\"/>tuell<span class=\"__12 _777\"> </span> tilldelning \u00f6verl\u00e5ts till del<span class=\"__12 _768\"/>tagaren under<span class=\"__12 _777\"> </span> andra kvartalet 2023. \u00c5ters<span class=\"__12 _768\"/>t\u00e5ende<span class=\"__12 _777\"> </span> <span class=\"__12 _777\">60 procent om</span><span class=\"__12 _768\"/>fa<span class=\"__12 _768\"/>ttas av en<span class=\"__12 _777\"> </span> uppskjutandeperiod och \u00f6verl\u00e5ts \u00e5rligen i<span class=\"__12 _777\"> </span> fem lika s<span class=\"__12 _768\"/>tora delar under perioden andra<span class=\"__12 _777\"> </span> kvartalet 2024 till andr<span class=\"__12 _768\"/>a kvartalet 2028.<span class=\"__12 _777\"> </span>40 procent a<span class=\"__12 _768\"/>v ak<span class=\"__12 _768\"/>tierna i even<span class=\"__12 _768\"/>tuell<span class=\"__12 _777\"> </span> tilldelning \u00f6verl\u00e5ts till del<span class=\"__12 _768\"/>tagaren under<span class=\"__12 _777\"> </span> andra kvartalet 202<span class=\"__12 _768\"/>4. \u00c5terst\u00e5ende<span class=\"__12 _777\"> </span> <span class=\"__12 _777\">60 procent om</span><span class=\"__12 _768\"/>fa<span class=\"__12 _768\"/>ttas av en<span class=\"__12 _777\"> </span> uppskjutandeperiod och \u00f6verl\u00e5ts \u00e5rligen i<span class=\"__12 _777\"> </span> fem lika s<span class=\"__12 _768\"/>tora delar under perioden andra<span class=\"__12 _777\"> </span> kvartalet 2025 till andra kvartalet 2029.<span class=\"__12 _777\"> </span>40 procent a<span class=\"__12 _768\"/>v ak<span class=\"__12 _768\"/>tierna i even<span class=\"__12 _768\"/>tuell<span class=\"__12 _777\"> </span> tilldelning \u00f6verl\u00e5ts till del<span class=\"__12 _768\"/>tagaren under<span class=\"__12 _777\"> </span> andra kvartalet 2025. \u00c5terst<span class=\"__12 _768\"/>\u00e5ende<span class=\"__12 _777\"> </span> <span class=\"__12 _777\">60 procent om</span><span class=\"__12 _768\"/>fa<span class=\"__12 _768\"/>ttas av en<span class=\"__12 _777\"> </span> uppskjutandeperiod och \u00f6verl\u00e5ts \u00e5rligen i<span class=\"__12 _777\"> </span> fem lika s<span class=\"__12 _768\"/>tora delar under perioden andra<span class=\"__12 _777\"> </span> kvartalet 2026 till andra kvartalet 2030.<span class=\"__12 _777\"> </span>Regler vid<span class=\"__12 _777\"> </span> avslutad<span class=\"__12 _777\"> </span> anst\u00e4llning<span class=\"__12 _777\"> </span>Aktier som \u00e4nnu in<span class=\"__12 _768\"/>te intj\u00e4na<span class=\"__12 _768\"/>ts \u00f6verl\u00e5ts in<span class=\"__12 _768\"/>te<span class=\"__12 _777\"> </span> om anst\u00e4llningen a<span class=\"__12 _768\"/>vslutas f\u00f6r<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span> \u00f6verl\u00e5t<span class=\"__12 _768\"/>elsedagen, dock med f\u00f6rbeh\u00e5ll f<span class=\"__12 _768\"/>\u00f6r<span class=\"__12 _777\"> </span> nationell lag och a<span class=\"__12 _768\"/>vg\u00e5ngsvillkor<span class=\"__12 _a_11\"/>, s\u00e5vida<span class=\"__12 _777\"> </span> inte kriterierna f<span class=\"__12 _768\"/>\u00f6r en s\u00e5 kallad \u201d<span class=\"__12 _a_11\"/>good<span class=\"__12 _777\"> </span> leav<span class=\"__12 _768\"/>er<span class=\"__12 _b_11\"/>\u201d uppfylls.<span class=\"__12 _777\"> </span>Aktier som \u00e4nnu in<span class=\"__12 _768\"/>te intj\u00e4na<span class=\"__12 _768\"/>ts \u00f6verl\u00e5ts in<span class=\"__12 _768\"/>te<span class=\"__12 _777\"> </span> om anst\u00e4llningen a<span class=\"__12 _768\"/>vslutas f\u00f6r<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span> \u00f6verl\u00e5t<span class=\"__12 _768\"/>elsedagen, dock med f\u00f6rbeh\u00e5ll f<span class=\"__12 _768\"/>\u00f6r<span class=\"__12 _777\"> </span> nationell lag och a<span class=\"__12 _768\"/>vg\u00e5ngsvillkor<span class=\"__12 _a_11\"/>, s\u00e5vida<span class=\"__12 _777\"> </span> inte kriterierna f<span class=\"__12 _768\"/>\u00f6r en s\u00e5 kallad \u201d<span class=\"__12 _a_11\"/>good<span class=\"__12 _777\"> </span> leav<span class=\"__12 _768\"/>er<span class=\"__12 _b_11\"/>\u201d uppfylls.<span class=\"__12 _777\"> </span>Aktier som \u00e4nnu in<span class=\"__12 _768\"/>te intj\u00e4na<span class=\"__12 _768\"/>ts \u00f6verl\u00e5ts in<span class=\"__12 _768\"/>te<span class=\"__12 _777\"> </span> om anst\u00e4llningen a<span class=\"__12 _768\"/>vslutas f\u00f6r<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span> \u00f6verl\u00e5t<span class=\"__12 _768\"/>elsedagen, dock med f\u00f6rbeh\u00e5ll f<span class=\"__12 _768\"/>\u00f6r<span class=\"__12 _777\"> </span> nationell lag och a<span class=\"__12 _768\"/>vg\u00e5ngsvillkor<span class=\"__12 _a_11\"/>, s\u00e5vida<span class=\"__12 _777\"> </span> inte kriterierna f<span class=\"__12 _768\"/>\u00f6r en s\u00e5 kallad \u201d<span class=\"__12 _a_11\"/>good<span class=\"__12 _777\"> </span> leav<span class=\"__12 _768\"/>er<span class=\"__12 _b_11\"/>\u201d uppfylls.<span class=\"__12 _777\"> </span>F\u00f6rhands-<span class=\"__12 _777\"> </span>justering<span class=\"__12 _777\"> </span>Om Nordeas \ufb01nansiella st\u00e4llning skull<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span> f\u00f6rs\u00e4mras eller om delt<span class=\"__12 _768\"/>agaren bryter mot<span class=\"__12 _777\"> </span> interna rik<span class=\"__12 _768\"/>tlinjer kan tilldelningen s\u00e4nkas<span class=\"__12 _777\"> </span> eller upph\u00e4v<span class=\"__12 _768\"/>as.<span class=\"__12 _777\"> </span>Om Nordeas \ufb01nansiella st\u00e4llning skull<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span> f\u00f6rs\u00e4mras eller om delt<span class=\"__12 _768\"/>agaren bryter mot<span class=\"__12 _777\"> </span> interna rik<span class=\"__12 _768\"/>tlinjer kan tilldelningen s\u00e4nkas<span class=\"__12 _777\"> </span> eller upph\u00e4v<span class=\"__12 _768\"/>as.<span class=\"__12 _777\"> </span>Om Nordeas \ufb01nansiella st\u00e4llning skull<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span> f\u00f6rs\u00e4mras eller om delt<span class=\"__12 _768\"/>agaren bryter mot<span class=\"__12 _777\"> </span> interna rik<span class=\"__12 _768\"/>tlinjer kan tilldelningen s\u00e4nkas<span class=\"__12 _777\"> </span> eller upph\u00e4v<span class=\"__12 _768\"/>as.<span class=\"__12 _777\"> </span>Efterhands-<span class=\"__12 _777\"> </span>justering<span class=\"__12 _777\"> </span>\u00c5terkra<span class=\"__12 _768\"/>v kan till\u00e4mpas f\u00f6r liknande<span class=\"__12 _777\"> </span> situationer som efterhandsjust<span class=\"__12 _768\"/>eringar<span class=\"__12 _768\"/>.<span class=\"__12 _777\"> </span>\u00c5terkra<span class=\"__12 _768\"/>v kan till\u00e4mpas f\u00f6r liknande<span class=\"__12 _777\"> </span> situationer som efterhandsjust<span class=\"__12 _768\"/>eringar<span class=\"__12 _768\"/>.<span class=\"__12 _777\"> </span>\u00c5terkra<span class=\"__12 _768\"/>v kan till\u00e4mpas f\u00f6r liknande<span class=\"__12 _777\"> </span> situationer som efterhandsjust<span class=\"__12 _768\"/>eringar<span class=\"__12 _768\"/>.<span class=\"__12 _777\"> </span>Allm\u00e4nna villkor f<span class=\"__12 _768\"/>\u00f6r L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _777\"> </span>Villkoren f<span class=\"__12 _768\"/>\u00f6r f<span class=\"__12 _768\"/>\u00f6rhands- och efterhandsjusteringar s<span class=\"__12 _768\"/>om n\u00e4mns<span class=\"__12 _777\"> </span> i \u00f6versik<span class=\"__12 _768\"/>ten p\u00e5 f<span class=\"__12 _768\"/>\u00f6reg\u00e5ende sida anses in<span class=\"__12 _768\"/>te ha n\u00e5gon inv<span class=\"__12 _768\"/>erkan<span class=\"__12 _777\"> </span> p\u00e5 v\u00e4rderingen a<span class=\"__12 _768\"/>v tilldelade r\u00e4<span class=\"__12 _768\"/>ttigheter eller vilket da<span class=\"__12 _768\"/>tum<span class=\"__12 _777\"> </span> dessa tilldelas, eftersom sannolikheten \u00e4r l\u00e5g och sam<span class=\"__12 _768\"/>tliga<span class=\"__12 _777\"> </span> deltagare r<span class=\"__12 _768\"/>edan fr\u00e5n b\u00f6rjan \u00e4r medv<span class=\"__12 _768\"/>etna om dessa villkor<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>Allm\u00e4nna villkor<span class=\"__12 _a6_5\"> </span>L<span class=\"__12 _a_11\"/>TIP 2020-2022<span class=\"__12 _e5_4\"> </span>L<span class=\"__12 _a_11\"/>TIP 2021-<span class=\"__12 _768\"/>2023<span class=\"__12 _e6_4\"> </span>L<span class=\"__12 _a_11\"/>TIP 2022-202<span class=\"__12 _768\"/>4<span class=\"__12 _777\"> </span>Stamaktier per<span class=\"__12 _777\"> </span> r\u00e4ttighet<span class=\"__12 _e7_4\"> </span>1,0<span class=\"__12 _824\"> </span>1,0<span class=\"__12 _824\"> </span>1,0<span class=\"__12 _777\"> </span>Tilldelningsdag<span class=\"__12 _6d_4\"> </span>11 juni 2020<span class=\"__12 _e8_5\"> </span>31 mars 2021<span class=\"__12 _817\"> </span>31 mars 2022<span class=\"__12 _777\"> </span>Intj\u00e4nandeperiod<span class=\"__12 _854\"> </span>3\u20138  \u00e5r<span class=\"__12 _846\"> </span>3\u20138 \u00e5r<span class=\"__12 _846\"> </span>3\u20138 \u00e5r<span class=\"__12 _777\"> </span>V<span class=\"__12 _768\"/>atalets l\u00f6p<span class=\"__12 _768\"/>tid<span class=\"__12 _e9_5\"> </span>8 \u00e5r<span class=\"__12 _825\"> </span>8 \u00e5r<span class=\"__12 _822\"> </span>8 \u00e5r<span class=\"__12 _777\"> </span>\u00c5tkomst till f<span class=\"__12 _768\"/>\u00f6rsta<span class=\"__12 _777\"> </span> delen<span class=\"__12 _ea_5\"> </span>Kv2 202<span class=\"__12 _768\"/>4<span class=\"__12 _781\"> </span>K<span class=\"__12 _768\"/>v2 2025<span class=\"__12 _781\"> </span>K<span class=\"__12 _768\"/>v2 2026<span class=\"__12 _777\"> </span>Allm\u00e4nna villkor f<span class=\"__12 _768\"/>\u00f6r ber\u00e4kning a<span class=\"__12 _768\"/>v<span class=\"__12 _777\"> </span> v\u00e4rdet p\u00e5 tilldelningsdagen<span class=\"__12 _777\"> </span>Det verkliga v\u00e4r<span class=\"__12 _768\"/>det p\u00e5 r\u00e4ttighet<span class=\"__12 _768\"/>erna ber\u00e4knas med hj\u00e4lp a<span class=\"__12 _768\"/>v<span class=\"__12 _777\"> </span> Monte Carlo-simulering (rTSR och aT<span class=\"__12 _768\"/>SR) och en Black &amp;<span class=\"__12 _777\"> </span> Scholes-formel (EPS) d\u00e4r f<span class=\"__12 _768\"/>\u00f6ljande parametr<span class=\"__12 _768\"/>ar anv\u00e4nds:<span class=\"__12 _777\"> </span>Allm\u00e4nna villkor<span class=\"__12 _a6_5\"> </span>L<span class=\"__12 _a_11\"/>TIP 2020-2022<span class=\"__12 _e5_4\"> </span>L<span class=\"__12 _a_11\"/>TIP 2021-<span class=\"__12 _768\"/>2023<span class=\"__12 _e6_4\"> </span>L<span class=\"__12 _a_11\"/>TIP 2022-202<span class=\"__12 _768\"/>4<span class=\"__12 _777\"> </span>Viktad genomsnittlig<span class=\"__12 _777\"> </span> aktiekurs p\u00e5<span class=\"__12 _777\"> </span> tilldelningsdagen,<span class=\"__12 _777\"> </span> euro<span class=\"__12 _eb_4\"> </span>6,41<span class=\"__12 _819\"> </span>8<span class=\"__12 _b_11\"/>,41<span class=\"__12 _835\"> </span>9,38<span class=\"__12 _777\"> </span>L\u00f6senkurs, euro<span class=\"__12 _ec_4\"> </span>\u2013<span class=\"__12 _7e_4\"> </span>\u2013<span class=\"__12 _7e_4\"> </span>\u2013<span class=\"__12 _777\"> </span>F\u00f6rv\u00e4n<span class=\"__12 _768\"/>tad volatilitet<span class=\"__12 _2a_6\"> </span>29,<span class=\"__12 _a_11\"/><span class=\"__12 _777\">1 %1</span><span class=\"__12 _867\"> </span><span class=\"__12 _777\">31,3 %2</span><span class=\"__12 _6e_4\"> </span><span class=\"__12 _777\">33,3 %2<span class=\"__12 _777\"> </span></span>Intj\u00e4nandeperiod<span class=\"__12 _835\"> </span>Se ovan<span class=\"__12 _3f_6\"> </span>Se ovan<span class=\"__12 _1d_8\"> </span>Se ovan<span class=\"__12 _777\"> </span>F\u00f6rv\u00e4n<span class=\"__12 _768\"/>tad utdelning<span class=\"__12 _837\"> </span>6,2 %<span class=\"__12 _829\"> </span>6,6 %<span class=\"__12 _829\"> </span>4,2 %<span class=\"__12 _777\"> </span>Riskfri r\u00e4n<span class=\"__12 _768\"/>ta<span class=\"__12 _790\"> </span>0,0 %<span class=\"__12 _821\"> </span>0,0 %<span class=\"__12 _839\"> </span>0,<span class=\"__12 _b_11\"/>28 %<span class=\"__12 _777\"> </span>1) Den f\u00f6rv\u00e4ntade v<span class=\"__12 _768\"/>olatiliteten grundas p\u00e5 Nordeaak<span class=\"__12 _768\"/>tiens historiska, dagliga k<span class=\"__12 _768\"/>ursvolatilitet<span class=\"__12 _777\"> </span> <span class=\"__12 _777\">under en tre\u00e5rsperiod, som uppgick till 33,9 procent. Denna siffra har jus</span><span class=\"__12 _768\"/>terats f<span class=\"__12 _768\"/>\u00f6r<span class=\"__12 _777\"> </span> eng\u00e5ngsh\u00e4ndelser (covid-19) s<span class=\"__12 _768\"/>om inte f<span class=\"__12 _768\"/>\u00f6rv\u00e4ntas intr<span class=\"__12 _768\"/><span class=\"__12 _777\">\u00e4ffa igen. Det inneb\u00e4r a</span><span class=\"__12 _768\"/>tt den f\u00f6r-<span class=\"__12 _777\"> </span>v\u00e4ntade v<span class=\"__12 _768\"/>olatiliteten grundar sig p\u00e5 bolagets historisk<span class=\"__12 _768\"/>a kursvolatilitet f<span class=\"__12 _768\"/>\u00f6re mars 2020<span class=\"__12 _777\"> </span> och Nordea har exkluder<span class=\"__12 _768\"/>at perioden med st\u00f6rst k<span class=\"__12 _768\"/>ursvolatilitet fr<span class=\"__12 _768\"/>\u00e5n ber\u00e4kningen av f<span class=\"__12 _768\"/>\u00f6r<span class=\"__12 _777\"> </span>-<span class=\"__12 _777\"> </span>v\u00e4ntad v<span class=\"__12 _768\"/>olatilitet p\u00e5 tilldelningsdagen (det vill s\u00e4ga perioden 9 mars 2020 till 25 mars<span class=\"__12 _777\"> </span> 2020). Detta resulterar i en his<span class=\"__12 _768\"/>torisk kursvolatilit<span class=\"__12 _768\"/>et f\u00f6r ak<span class=\"__12 _768\"/>tien p\u00e5 29,<span class=\"__12 _768\"/>1 procen<span class=\"__12 _768\"/>t.<span class=\"__12 _777\"> </span>2) Den f\u00f6rv\u00e4ntade v<span class=\"__12 _768\"/>olatiliteten grundas p\u00e5 Nordeaak<span class=\"__12 _768\"/>tiens historiska, dagliga k<span class=\"__12 _768\"/>ursvolatilitet<span class=\"__12 _777\"> </span> under en tre\u00e5rsperiod.<span class=\"__12 _777\"> </span>L<span class=\"__12 _be_5\"/>TIP 2020-<span class=\"__12 _768\"/>2022 \u2013 V<span class=\"__12 _768\"/>erkligt v\u00e4r<span class=\"__12 _768\"/>de p\u00e5 tilldelningsdag och villkor<span class=\"__12 _768\"/>ade r\u00e4ttighet<span class=\"__12 _768\"/>er<span class=\"__12 _777\"> </span>V<span class=\"__12 _768\"/>erkligt v\u00e4rde p\u00e5 tilldelningsdag<span class=\"__12 _d0_4\"> </span>Intj\u00e4nandedag<span class=\"__12 _777\"> </span>K<span class=\"__12 _768\"/>v2 2023<span class=\"__12 _d1_4\"> </span>K<span class=\"__12 _768\"/>v2 2024<span class=\"__12 _d1_4\"> </span>K<span class=\"__12 _768\"/>v2 2025<span class=\"__12 _d1_4\"> </span>K<span class=\"__12 _768\"/>v2 2026<span class=\"__12 _867\"> </span>K<span class=\"__12 _768\"/>v2 2027<span class=\"__12 _6e_4\"> </span>Kv2 2028<span class=\"__12 _777\"> </span>H\u00f6gsta ant<span class=\"__12 _768\"/>alet aktier<span class=\"__12 _d2_4\"> </span>260 000<span class=\"__12 _6d_4\"> </span>78 000<span class=\"__12 _8e_4\"> </span>78 000<span class=\"__12 _6d_4\"> </span>78 000<span class=\"__12 _8e_4\"> </span>78 000<span class=\"__12 _6d_4\"> </span>78 000<span class=\"__12 _777\"> </span>Intj\u00e4nadeperiod, \u00e5r<span class=\"__12 _d3_4\"> </span>3<span class=\"__12 _d4_5\"> </span>4<span class=\"__12 _d5_4\"> </span>5<span class=\"__12 _d4_5\"> </span>6<span class=\"__12 _d6_4\"> </span>7<span class=\"__12 _d4_5\"> </span>8<span class=\"__12 _777\"> </span>aTSR<span class=\"__12 _d7_4\"> </span>1,40<span class=\"__12 _824\"> </span>1,31<span class=\"__12 _827\"> </span><span class=\"ls8_11 wsc_11\">1,23<span class=\"__12 _c8_5\"> </span></span>1,<span class=\"__12 _768\"/>16<span class=\"__12 _5a_4\"> </span>1,09<span class=\"__12 _827\"> </span>1,02<span class=\"__12 _777\"> </span>rTSR<span class=\"__12 _d8_5\"> </span>1,83<span class=\"__12 _c8_5\"> </span>1,71<span class=\"__12 _824\"> </span>1,61<span class=\"__12 _c8_5\"> </span>1,51<span class=\"__12 _827\"> </span>1,41<span class=\"__12 _827\"> </span>1,33<span class=\"__12 _777\"> </span>EPS<span class=\"__12 _d9_4\"> </span><span class=\"ls9_11 wsd_11\">4<span class=\"__12 _b_11\"/>,<span class=\"__12 _b_11\"/>74<span class=\"__12 _5a_4\"> </span></span>4,46<span class=\"__12 _827\"> </span>4,<span class=\"__12 _a_11\"/>19<span class=\"__12 _5a_4\"> </span>3,94<span class=\"__12 _818\"> </span>3,70<span class=\"__12 _854\"> </span>3,48<span class=\"__12 _777\"> </span>Villkorade r\u00e4<span class=\"__12 _768\"/>ttigheter<span class=\"__12 _780\"> </span>aTSR<span class=\"__12 _da_4\"> </span>rTSR<span class=\"__12 _db_4\"> </span>EPS<span class=\"__12 _777\"> </span>2022<span class=\"__12 _5a_4\"> </span>2021<span class=\"__12 _5a_4\"> </span>2022<span class=\"__12 _5a_4\"> </span>2021<span class=\"__12 _5a_4\"> </span>2022<span class=\"__12 _5a_4\"> </span>2021<span class=\"__12 _777\"> </span>Utest\u00e5ende vid \u00e5rets b\u00f6rjan<span class=\"__12 _b1_4\"> </span>216 667<span class=\"__12 _839\"> </span>216 667<span class=\"__12 _843\"> </span>216 667<span class=\"__12 _a7_5\"> </span>216 667<span class=\"__12 _843\"> </span>216 667<span class=\"__12 _a7_5\"> </span>216 667<span class=\"__12 _777\"> </span>Tilldelade<span class=\"__12 _dc_4\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _777\"> </span>F\u00f6rverkade<span class=\"__12 _1e_8\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _777\"> </span>Utest\u00e5ende vid \u00e5rets sl<span class=\"__12 _768\"/>ut<span class=\"__12 _de_4\"> </span>216 667<span class=\"__12 _839\"> </span>216 667<span class=\"__12 _df_4\"> </span>216 667<span class=\"__12 _839\"> </span>216 667<span class=\"__12 _df_4\"> </span>216 667<span class=\"__12 _839\"> </span>216 667<span class=\"__12 _777\"> </span>L<span class=\"__12 _be_5\"/>TIP 2021<span class=\"__12 _768\"/>-2023 \u2013 V<span class=\"__12 _a_11\"/>erkligt v\u00e4rde p\u00e5 tilldelningsdag och villkorade r<span class=\"__12 _768\"/>\u00e4ttigheter<span class=\"__12 _777\"> </span> V<span class=\"__12 _768\"/>erkligt v\u00e4rde p\u00e5 tilldelningsdag<span class=\"__12 _d0_4\"> </span>Intj\u00e4nandedag<span class=\"__12 _777\"> </span>K<span class=\"__12 _768\"/>v2 2024<span class=\"__12 _d1_4\"> </span>K<span class=\"__12 _768\"/>v2 2025<span class=\"__12 _d1_4\"> </span>K<span class=\"__12 _768\"/>v2 2026<span class=\"__12 _867\"> </span>K<span class=\"__12 _768\"/>v2 2027<span class=\"__12 _6e_4\"> </span>Kv2 2028<span class=\"__12 _6e_4\"> </span>Kv2 2029<span class=\"__12 _777\"> </span>H\u00f6gsta ant<span class=\"__12 _768\"/>alet aktier<span class=\"__12 _d2_4\"> </span>559 000<span class=\"__12 _df_4\"> </span>167 700<span class=\"__12 _839\"> </span>167 700<span class=\"__12 _839\"> </span>167 700<span class=\"__12 _df_4\"> </span>167 700<span class=\"__12 _839\"> </span>167 700<span class=\"__12 _777\"> </span>Intj\u00e4nandeperiod, \u00e5r<span class=\"__12 _e0_4\"> </span>3<span class=\"__12 _d4_5\"> </span>4<span class=\"__12 _d5_4\"> </span>5<span class=\"__12 _d4_5\"> </span>6<span class=\"__12 _d6_4\"> </span>7<span class=\"__12 _d4_5\"> </span>8<span class=\"__12 _777\"> </span>aTSR<span class=\"__12 _e1_4\"> </span>2,90<span class=\"__12 _827\"> </span><span class=\"ls3_11 ws3_11\">2,7<span class=\"__12 _b_11\"/>7<span class=\"__12 _5a_4\"> </span></span>2,64<span class=\"__12 _5d_4\"> </span>2,52<span class=\"__12 _827\"> </span>2,41<span class=\"__12 _5a_4\"> </span>2,30<span class=\"__12 _777\"> </span>rTSR<span class=\"__12 _8f_4\"> </span>2,38<span class=\"__12 _5d_4\"> </span>2,27<span class=\"__12 _824\"> </span>2,<span class=\"__12 _a_11\"/>16<span class=\"__12 _5a_4\"> </span>2,06<span class=\"__12 _827\"> </span>1,97<span class=\"__12 _818\"> </span>1,88<span class=\"__12 _777\"> </span>EPS<span class=\"__12 _6a_4\"> </span>6,45<span class=\"__12 _827\"> </span>6,<span class=\"__12 _768\"/>16<span class=\"__12 _854\"> </span>5,89<span class=\"__12 _818\"> </span>5,62<span class=\"__12 _5d_4\"> </span>5,37<span class=\"__12 _824\"> </span>5,<span class=\"__12 _768\"/>13<span class=\"__12 _777\"> </span>Villkorade r\u00e4<span class=\"__12 _768\"/>ttigheter<span class=\"__12 _780\"> </span>aTSR<span class=\"__12 _da_4\"> </span>rTSR<span class=\"__12 _db_4\"> </span>EPS<span class=\"__12 _777\"> </span>2022<span class=\"__12 _5a_4\"> </span>2021<span class=\"__12 _5a_4\"> </span>2022<span class=\"__12 _5a_4\"> </span>2021<span class=\"__12 _5a_4\"> </span>2022<span class=\"__12 _5a_4\"> </span>2021<span class=\"__12 _777\"> </span>Utest\u00e5ende vid \u00e5rets b\u00f6rjan<span class=\"__12 _e2_4\"> </span>488 333<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _867\"> </span>488 333<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _d1_4\"> </span>488 333<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _777\"> </span>Tilldelade<span class=\"__12 _dc_4\"> </span>\u2013<span class=\"__12 _d1_4\"> </span>4<span class=\"__12 _b_11\"/>88 333<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _d1_4\"> </span>488 333<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _867\"> </span>488 333<span class=\"__12 _777\"> </span>F\u00f6rverkade<span class=\"__12 _e3_4\"> </span>22 500<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _4b_4\"> </span>22 500<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _2a_6\"> </span>22 500<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _777\"> </span>Utest\u00e5ende vid \u00e5rets sl<span class=\"__12 _768\"/>ut<span class=\"__12 _e4_4\"> </span>465 833<span class=\"__12 _d1_4\"> </span>4<span class=\"__12 _b_11\"/>88 333<span class=\"__12 _867\"> </span>465 833<span class=\"__12 _d1_4\"> </span>488 333<span class=\"__12 _867\"> </span>465 833<span class=\"__12 _867\"> </span>488 333<span class=\"__12 _777\"> </span>L<span class=\"__12 _be_5\"/>TIP 2022-<span class=\"__12 _768\"/>2024 \u2013 V<span class=\"__12 _a_11\"/>erkligt v\u00e4rde p\u00e5 tilldelningsdag och villkor<span class=\"__12 _768\"/>ade r\u00e4ttighet<span class=\"__12 _768\"/>er<span class=\"__12 _777\"> </span> V<span class=\"__12 _768\"/>erkligt v\u00e4rde p\u00e5 tilldelningsdag<span class=\"__12 _d0_4\"> </span>Intj\u00e4nandedag<span class=\"__12 _777\"> </span>K<span class=\"__12 _768\"/>v2 2025<span class=\"__12 _d1_4\"> </span>K<span class=\"__12 _768\"/>v2 2026<span class=\"__12 _867\"> </span>K<span class=\"__12 _768\"/>v2 2027<span class=\"__12 _6e_4\"> </span>Kv2 2028<span class=\"__12 _6e_4\"> </span>Kv2 2029<span class=\"__12 _6e_4\"> </span>K<span class=\"__12 _768\"/>v2 2030<span class=\"__12 _777\"> </span>H\u00f6gsta ant<span class=\"__12 _768\"/>alet av ak<span class=\"__12 _768\"/>tier<span class=\"__12 _794\"> </span>614 000<span class=\"__12 _867\"> </span>184 200<span class=\"__12 _783\"> </span>184 200<span class=\"__12 _783\"> </span>184 200<span class=\"__12 _783\"> </span>184 200<span class=\"__12 _867\"> </span>184 200<span class=\"__12 _777\"> </span>Intj\u00e4nandeperiod, \u00e5r<span class=\"__12 _e0_4\"> </span>3<span class=\"__12 _d4_5\"> </span>4<span class=\"__12 _d5_4\"> </span>5<span class=\"__12 _d4_5\"> </span>6<span class=\"__12 _d6_4\"> </span>7<span class=\"__12 _d4_5\"> </span>8<span class=\"__12 _777\"> </span>aTSR<span class=\"__12 _ed_4\"> </span>3,<span class=\"__12 _768\"/>11<span class=\"__12 _854\"> </span>2,98<span class=\"__12 _5a_4\"> </span>2,86<span class=\"__12 _827\"> </span><span class=\"ls9_11 wsd_11\">2<span class=\"__12 _b_11\"/>,<span class=\"__12 _b_11\"/>74<span class=\"__12 _5d_4\"> </span></span>2,62<span class=\"__12 _5d_4\"> </span>2,52<span class=\"__12 _777\"> </span>rTSR<span class=\"__12 _8f_4\"> </span>2,58<span class=\"__12 _818\"> </span>2,47<span class=\"__12 _5d_4\"> </span>2,37<span class=\"__12 _827\"> </span>2,27<span class=\"__12 _c8_5\"> </span><span class=\"lsf_10 ws17_10\">2<span class=\"__12 _b_11\"/>,1<span class=\"__12 _b_11\"/>7<span class=\"__12 _818\"> </span></span>2,08<span class=\"__12 _777\"> </span>EPS<span class=\"__12 _7c_4\"> </span><span class=\"ls8_11 wsc_11\">7<span class=\"__12 _a_11\"/>,23<span class=\"__12 _854\"> </span><span class=\"ls0_12 ws0_12\">6,93<span class=\"__12 _5a_4\"> </span>6,65<span class=\"__12 _854\"> </span>6,38<span class=\"__12 _824\"> </span>6,<span class=\"__12 _a_11\"/>12<span class=\"__12 _818\"> </span>5.87<span class=\"__12 _777\"> </span></span></span>Villkorade r\u00e4<span class=\"__12 _768\"/>ttigheter<span class=\"__12 _bc_4\"> </span>aTSR<span class=\"__12 _7b_4\"> </span>rTSR<span class=\"__12 _5d_4\"> </span>EPS<span class=\"__12 _777\"> </span>2022<span class=\"__12 _854\"> </span>2022<span class=\"__12 _5a_4\"> </span>2022<span class=\"__12 _777\"> </span>Tilldelade<span class=\"__12 _ee_5\"> </span>511 667<span class=\"__12 _846\"> </span>511 667<span class=\"__12 _846\"> </span>511 667<span class=\"__12 _777\"> </span>F\u00f6rverkade<span class=\"__12 _1e_8\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _777\"> </span>Utst\u00e5ende vid \u00e5rets slut<span class=\"__12 _b6_5\"> </span>511 667<span class=\"__12 _846\"> </span>511 667<span class=\"__12 _846\"> </span>511 667<span class=\"__12 _777\"> </span>L\u00e5ngsik<span class=\"__12 _768\"/>tiga incitamentspr<span class=\"__12 _768\"/>ogram som l\u00f6p<span class=\"__12 _768\"/>t ut \u2013 2012<span class=\"__12 _777\"> </span>L<span class=\"__12 _be_5\"/>TIP 2012 hade i maj 2015 kostnadsf<span class=\"__12 _768\"/>\u00f6rts i sin helhet. Samtliga<span class=\"__12 _777\"> </span> aktier enligt L<span class=\"__12 _be_5\"/>TIP 2012 \u00e4r f<span class=\"__12 _768\"/>ullt in<span class=\"__12 _768\"/>tj\u00e4nade och d\u00e4rmed inte vill<span class=\"__12 _768\"/>-<span class=\"__12 _777\"> </span>korade. 60 proc<span class=\"__12 _768\"/>ent a<span class=\"__12 _768\"/>v de in<span class=\"__12 _768\"/>tj\u00e4nade aktierna om<span class=\"__12 _768\"/>f<span class=\"__12 _768\"/>attades a<span class=\"__12 _768\"/>v<span class=\"__12 _777\"> </span> uppskjutanderegler<span class=\"__12 _a_11\"/>, med m\u00f6jlighet till nedjustering av upp-<span class=\"__12 _777\"> </span>skjuten ers\u00e4ttning i enlighet med g\u00e4llande f<span class=\"__12 _768\"/>\u00f6reskrifter<span class=\"__12 _a_11\"/>, och<span class=\"__12 _777\"> </span> tilldelades under en fem\u00e5rsperiod, med st<span class=\"__12 _768\"/>art i maj 2015. Inga<span class=\"__12 _777\"> </span> f\u00f6r<span class=\"__12 _768\"/>\u00e4ndringar har skett i det utes<span class=\"__12 _768\"/>t\u00e5ende saldot a<span class=\"__12 _768\"/>v ak<span class=\"__12 _768\"/>tier mellan<span class=\"__12 _777\"> </span> 2021 och 2022. Det utest\u00e5ende saldo<span class=\"__12 _768\"/>t a<span class=\"__12 _768\"/>v aktier l\u00e5g kv<span class=\"__12 _768\"/>ar p\u00e5<span class=\"__12 _777\"> </span> 2 203 matchningsak<span class=\"__12 _768\"/>tier<span class=\"__12 _a_11\"/>, 6 608 prestationsak<span class=\"__12 _768\"/>tier I och<span class=\"__12 _777\"> </span> <span class=\"__12 _777\">2 203 presta</span><span class=\"__12 _768\"/>tionsaktier II vid ut<span class=\"__12 _768\"/>g\u00e5ngen av 2022.<span class=\"__12 _777\"> </span>Aktier<span class=\"__12 _768\"/>elater<span class=\"__12 _768\"/>ade program f<span class=\"__12 _a_11\"/>\u00f6r r\u00f6rlig<span class=\"__12 _777\"> </span> ers\u00e4ttning \u2013 andra \u00e4n L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _777\"> </span>Detta avsnitt be<span class=\"__12 _768\"/>skriver de ak<span class=\"__12 _768\"/>tierelater<span class=\"__12 _768\"/>ade progr<span class=\"__12 _768\"/>am f\u00f6r r<span class=\"__12 _768\"/>\u00f6rlig<span class=\"__12 _777\"> </span> ers\u00e4ttning d\u00e4r index<span class=\"__12 _768\"/>ering till Nordeaak<span class=\"__12 _768\"/>tiens to<span class=\"__12 _768\"/>talavk<span class=\"__12 _768\"/>astning<span class=\"__12 _777\"> </span> (kont<span class=\"__12 _768\"/>antregler<span class=\"__12 _768\"/>at progr<span class=\"__12 _768\"/>am fr<span class=\"__12 _768\"/>am till 2018) och ers\u00e4ttning i form<span class=\"__12 _777\"> </span> av ak<span class=\"__12 _768\"/>tier (eget kapit<span class=\"__12 _768\"/>al-regler<span class=\"__12 _768\"/>at progr<span class=\"__12 _768\"/>am fr\u00e5n 2019) an<span class=\"__12 _768\"/>v\u00e4nds<span class=\"__12 _777\"> </span> f\u00f6r uppskjutande/kv<span class=\"__12 _768\"/>arh\u00e5llande a<span class=\"__12 _768\"/>v ers\u00e4ttningen. F\u00f6r r<span class=\"__12 _768\"/>esulta<span class=\"__12 _768\"/>t-<span class=\"__12 _777\"> </span>m\u00e4tnings\u00e5ret 2022, klassi\ufb01cer<span class=\"__12 _768\"/>as progr<span class=\"__12 _768\"/>ammen som: Nordea<span class=\"__12 _777\"> </span> incentiv<span class=\"__12 _768\"/>e programme (NIP), s<span class=\"__12 _768\"/>om skapades genom samman-<span class=\"__12 _777\"> </span>slagning av e<span class=\"__12 _768\"/>x<span class=\"__12 _768\"/>ecutive incen<span class=\"__12 _768\"/>tive progr<span class=\"__12 _768\"/>amme (EIP), r\u00f6rlig l\u00f6ne-<span class=\"__12 _777\"> </span>del (variable salary part<span class=\"__12 _b_11\"/>, VSP) och bonusprogram.<span class=\"__12 _777\"> </span>Programmen \u00e4r \u00e5rliga planer med ett tj\u00e4ns<span class=\"__12 _768\"/>tg\u00f6ringsvillkor<span class=\"__12 _777\"> </span> f\u00f6r r<span class=\"__12 _768\"/>espektiv<span class=\"__12 _768\"/>e \u00e5r<span class=\"__12 _a_11\"/>, och de kostnadsf\u00f6rs alla i sin helhet under<span class=\"__12 _777\"> </span> det \u00e5r de intj\u00e4nas (<span class=\"__12 _768\"/>ett\u00e5rig intj\u00e4nandeperiod). De individuella<span class=\"__12 _777\"> </span> tilldelningarna g\u00f6rs i b\u00f6rjan av det efterf<span class=\"__12 _768\"/>\u00f6ljande \u00e5ret.<span class=\"__12 _777\"> </span>Nordea inf<span class=\"__12 _768\"/>\u00f6rde NIP<span class=\"__12 _768\"/> 2022 som en vidareutv<span class=\"__12 _768\"/>eckling a<span class=\"__12 _768\"/>v EIP<span class=\"__12 _777\"> </span> och VSP<span class=\"__12 _a_11\"/>. Syftet med NIP \u00e4r a<span class=\"__12 _768\"/>tt st\u00e4rka Nordeas m\u00f6jlighet<span class=\"__12 _768\"/>er att<span class=\"__12 _777\"> </span> rekrytera, motiv<span class=\"__12 _768\"/>era och beh\u00e5lla konc<span class=\"__12 _768\"/>ernledning, seniora<span class=\"__12 _777\"> </span> befa<span class=\"__12 _768\"/>ttningshav<span class=\"__12 _768\"/>are sam<span class=\"__12 _768\"/>t utvalda ledare och specialis<span class=\"__12 _768\"/>ter<span class=\"__12 _a_11\"/>, och<span class=\"__12 _777\"> </span> att bel\u00f6na goda pres<span class=\"__12 _768\"/>tationer och insa<span class=\"__12 _768\"/>tser<span class=\"__12 _a_11\"/>. NIP 2022 ska bel\u00f6-<span class=\"__12 _777\"> </span>na uppfyllelsen a<span class=\"__12 _768\"/>v i f\u00f6rv\u00e4g \u00f6<span class=\"__12 _768\"/>verensk<span class=\"__12 _768\"/>omna m\u00e5l p\u00e5 koncern-<span class=\"__12 _777\"> </span><span class=\"__12 _777\">niv\u00e5, aff</span><span class=\"__12 _768\"/>\u00e4rsenhetsniv\u00e5 och individuell niv\u00e5. Hur r<span class=\"__12 _768\"/>esulta<span class=\"__12 _768\"/>tet<span class=\"__12 _777\"> </span> p\u00e5v<span class=\"__12 _768\"/>erkas p\u00e5 l\u00e5ng sikt sk<span class=\"__12 _768\"/>a beaktas n\u00e4r m\u00e5len besl<span class=\"__12 _768\"/>utas. <span class=\"__12 _768\"/>Tilldel-<span class=\"__12 _777\"> </span>ningen fr\u00e5n NIP<span class=\"__12 _768\"/> ska in<span class=\"__12 _768\"/>te \u00f6v<span class=\"__12 _768\"/>erstiga den fas<span class=\"__12 _768\"/>ta l\u00f6nen och ers\u00e4tt-<span class=\"__12 _777\"> </span>ningen omf<span class=\"__12 _768\"/>attas a<span class=\"__12 _768\"/>v en uppskjutandeperiod f<span class=\"__12 _768\"/>\u00f6r materiella<span class=\"__12 _777\"> </span> risktagar<span class=\"__12 _768\"/>e. Dessutom till\u00e4mpas f<span class=\"__12 _768\"/>\u00f6rhands- och efterhandsjus-<span class=\"__12 _777\"> </span>teringsregler och f<span class=\"__12 _768\"/>\u00f6rfogander<span class=\"__12 _768\"/>estrik<span class=\"__12 _768\"/>tioner i enlighet med g\u00e4l-<span class=\"__12 _777\"> </span>lande f\u00f6r<span class=\"__12 _768\"/>eskrifter<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>Bonusprogram erbj\u00f6ds under 2022 enbart till utvalda grup-<span class=\"__12 _777\"> </span>per av medarbetar<span class=\"__12 _768\"/><span class=\"__12 _777\">e inom speci\ufb01ka aff</span><span class=\"__12 _768\"/>\u00e4rsomr\u00e5den eller enhe-<span class=\"__12 _777\"> </span>ter efter godk\u00e4nnande a<span class=\"__12 _768\"/>v styr<span class=\"__12 _768\"/>elsen, till ex<span class=\"__12 _768\"/>empel inom Lar<span class=\"__12 _768\"/>ge<span class=\"__12 _777\"> </span> Corporat<span class=\"__12 _768\"/>es &amp; Institutions, Nordea<span class=\"ws16_11\"> Asset Management, </span>Nordea<span class=\"__12 _777\"> </span> Funds och inom <span class=\"__12 _a_11\"/>T<span class=\"__12 _a_11\"/>reasury i Group Finance. Syftet \u00e4r att s\u00e4ker-<span class=\"__12 _777\"> </span>st\u00e4lla en st<span class=\"__12 _768\"/>ark presta<span class=\"__12 _768\"/>tion och uppr\u00e4<span class=\"__12 _768\"/>tth\u00e5lla kostnadsfle<span class=\"__12 _768\"/>xibilitet<span class=\"__12 _777\"> </span>f\u00f6r Nor<span class=\"__12 _768\"/>dea. Individuell tilldelning fas<span class=\"__12 _768\"/>tst\u00e4lls utifr<span class=\"__12 _768\"/>\u00e5n detaljerade<span class=\"__12 _777\"> </span> presta<span class=\"__12 _768\"/>tionsbed\u00f6mningar som omf<span class=\"__12 _768\"/>att<span class=\"__12 _768\"/>ar en rad \ufb01nansiella och<span class=\"__12 _777\"> </span> icke-\ufb01nansiella m\u00e5l. Tilldelning f<span class=\"__12 _768\"/>r\u00e5n bonusprogr<span class=\"__12 _768\"/>am f<span class=\"__12 _768\"/>\u00f6r 2021<span class=\"__12 _777\"> </span> betalades kon<span class=\"__12 _768\"/>tant. F\u00f6r ma<span class=\"__12 _768\"/>teriella risk<span class=\"__12 _768\"/>tagare g\u00f6rs tilldelningen<span class=\"__12 _777\"> </span> till viss del i aktier<span class=\"__12 _a_11\"/>, med efterf\u00f6ljande kvarh\u00e5llandeperiod.<span class=\"__12 _777\"> </span> Delar av tilldelningen f<span class=\"__12 _768\"/>\u00f6r mat<span class=\"__12 _768\"/>eriella risktagar<span class=\"__12 _768\"/>e omf<span class=\"__12 _768\"/>attas a<span class=\"__12 _a_11\"/>v en<span class=\"__12 _777\"> </span> uppskjutandeperiod om fyra till f<span class=\"__12 _768\"/>em \u00e5r<span class=\"__12 _a_11\"/>, med j\u00e4mn f\u00f6rdelning<span class=\"__12 _777\"> </span> av utbetalningarna och till\u00e4mpning a<span class=\"__12 _a_11\"/>v villkor f\u00f6r f\u00f6rverkande<span class=\"__12 _777\"> </span> (justering a<span class=\"__12 _768\"/>v uppskjuten ers\u00e4ttning) under perioden.<span class=\"__12 _777\"> </span>T<span class=\"__12 _a_11\"/>abellerna nedan visar uppskjuten ers\u00e4ttning fr<span class=\"__12 _768\"/>\u00e5n NIP<span class=\"__12 _a_11\"/>, EIP<span class=\"__12 _a_11\"/>,<span class=\"__12 _777\"> </span> r\u00f6rlig l\u00f6nedel och bonusprogr<span class=\"__12 _768\"/>am som \u00e4nnu int<span class=\"__12 _768\"/>e hade betalats<span class=\"__12 _777\"> </span> till deltagarna den 31 december 2022. H\u00e4r ing\u00e5r \u00e4<span class=\"__12 _768\"/>ven upp-<span class=\"__12 _777\"> </span>skjuten ers\u00e4ttning fr<span class=\"__12 _768\"/>\u00e5n L<span class=\"__12 _be_5\"/>TV (erbj\u00f6ds 2018\u20132019) och uppskju-<span class=\"__12 _777\"> </span>ten ers\u00e4ttning fr<span class=\"__12 _768\"/>\u00e5n kompensation f<span class=\"__12 _768\"/>\u00f6r a<span class=\"__12 _768\"/>vtal i tidigare ans<span class=\"__12 _768\"/>t\u00e4ll-<span class=\"__12 _777\"> </span>ningar (utk\u00f6p). S\u00e5dana a<span class=\"__12 _768\"/>vtal kan i undan<span class=\"__12 _768\"/>tagsf<span class=\"__12 _768\"/>all erbjudas i<span class=\"__12 _777\"> </span> samband med rekrytering och \u00e4r begr\u00e4nsade till det f<span class=\"__12 _768\"/>\u00f6rsta<span class=\"__12 _777\"> </span> anst\u00e4llnings\u00e5ret.<span class=\"__12 _777\"> </span>Uppskjutna belopp avs<span class=\"__12 _768\"/>eende  aktier<span class=\"__12 _768\"/>elater<span class=\"__12 _768\"/>ad<span class=\"__12 _777\"> </span> ers\u00e4ttning (kon<span class=\"__12 _768\"/>tantr<span class=\"__12 _768\"/>eglerade) 201<span class=\"__12 _768\"/>4\u20132018<span class=\"__12 _777\"> </span>T<span class=\"__12 _a_11\"/>abellen nedan visar utest\u00e5ende sk<span class=\"__12 _768\"/>ulder f\u00f6r ak<span class=\"__12 _768\"/>tierela<span class=\"__12 _768\"/>terade<span class=\"__12 _777\"> </span> program med kon<span class=\"__12 _768\"/>tan<span class=\"__12 _768\"/>treglering som f<span class=\"__12 _768\"/>\u00f6rek<span class=\"__12 _768\"/>om 2014\u2013<span class=\"__12 _768\"/><span class=\"__12 _777\">2018:<span class=\"__12 _777\"> </span></span> Mn euro<span class=\"__12 _c_11\"> </span>2022<span class=\"__12 _d_11\"> </span>2021<span class=\"__12 _777\"> </span>Vid \u00e5rets b\u00f6rjan<span class=\"__12 _a9_5\"> </span><span class=\"ls3_11 ws3_11\">24<span class=\"__12 _a7_5\"> </span></span>32<span class=\"__12 _777\"> </span>Uppskjuten/intj\u00e4nad under \u00e5ret<span class=\"__12 _ef_4\"> </span>1<span class=\"__12 _821\"> </span>1<span class=\"__12 _777\"> </span>TSR-inde<span class=\"__12 _768\"/>xering under \u00e5r<span class=\"__12 _768\"/>et<span class=\"__12 _da_4\"> </span><span class=\"ls3_11 ws3_11\">-2<span class=\"__12 _a7_5\"> </span></span>16<span class=\"__12 _777\"> </span>Utbetalningar under \u00e5ret<span class=\"__12 _f0_5\"> </span><span class=\"ls4_11 ws8_11\">-16<span class=\"__12 _a0_4\"> </span><span class=\"ls3_11 ws3_11\">-2<span class=\"__12 _b_11\"/>5<span class=\"__12 _777\"> </span></span></span><span class=\"__12 _777\">Omr\u00e4kningsdiff</span><span class=\"__12 _768\"/>erenser<span class=\"__12 _f1_4\"> </span>0<span class=\"__12 _8e_4\"> </span>0<span class=\"__12 _777\"> </span>Vid \u00e5rets slut<span class=\"__12 _f2_4\"> </span>7<span class=\"__12 _867\"> </span><span class=\"ls3_11 ws3_11\">24<span class=\"__12 _777\"> </span></span>De utg\u00e5ende balanserna f<span class=\"__12 _768\"/>\u00f6rv\u00e4ntas r<span class=\"__12 _768\"/>egleras under f<span class=\"__12 _768\"/>\u00f6ljande \u00e5r:<span class=\"__12 _777\"> </span>Mn euro<span class=\"__12 _c_11\"> </span>2022<span class=\"__12 _d_11\"> </span>2021<span class=\"__12 _777\"> </span>2022<span class=\"__12 _f3_4\"> </span>\u2013<span class=\"__12 _df_4\"> </span><span class=\"ls4_11 ws8_11\">17<span class=\"__12 _777\"> </span></span>2023<span class=\"__12 _845\"> </span>3<span class=\"__12 _4b_4\"> </span>3<span class=\"__12 _777\"> </span>2024<span class=\"__12 _f3_4\"> </span>3<span class=\"__12 _2a_6\"> </span>3<span class=\"__12 _777\"> </span>2025<span class=\"__12 _830\"> </span>1<span class=\"__12 _829\"> </span>1<span class=\"__12 _777\"> </span>2026<span class=\"__12 _f3_4\"> </span>0<span class=\"__12 _8e_4\"> </span>0<span class=\"__12 _777\"> </span>2027<span class=\"__12 _f4_4\"> </span>0<span class=\"__12 _8e_4\"> </span>0<span class=\"__12 _777\"> </span>2028<span class=\"__12 _f3_4\"> </span>0<span class=\"__12 _6d_4\"> </span>\u2013<span class=\"__12 _777\"> </span>Summa<span class=\"__12 _f5_4\"> </span>7<span class=\"__12 _867\"> </span><span class=\"ls3_11 ws3_11\">24<span class=\"__12 _777\"> </span></span>Uppskjutna belopp avs<span class=\"__12 _768\"/>eende aktier<span class=\"__12 _768\"/>elater<span class=\"__12 _768\"/>ade program<span class=\"__12 _777\"> </span> (reglerade med eget kapit<span class=\"__12 _768\"/>al-instrumen<span class=\"__12 _768\"/>t) 2019\u2013<span class=\"__12 _768\"/>2021<span class=\"__12 _777\"> </span> Fr<span class=\"__12 _768\"/>\u00e5n och med 2019 regleras ak<span class=\"__12 _768\"/>tierela<span class=\"__12 _768\"/>terade pr<span class=\"__12 _768\"/>ogram f<span class=\"__12 _768\"/>\u00f6r r\u00f6rlig<span class=\"__12 _777\"> </span> ers\u00e4ttning delvis kon<span class=\"__12 _768\"/>tan<span class=\"__12 _768\"/>t och delvis med Nordeaak<span class=\"__12 _768\"/>tier<span class=\"__12 _a_11\"/>, vilket<span class=\"__12 _777\"> </span> inneb\u00e4r att den del som betalas i Nordeaak<span class=\"__12 _768\"/>tier \u00e4r ett ak<span class=\"__12 _768\"/>tiere-<span class=\"__12 _777\"> </span>later<span class=\"__12 _768\"/>at progr<span class=\"__12 _768\"/>am som regleras med eget k<span class=\"__12 _768\"/>apital-instrumen<span class=\"__12 _768\"/>t.<span class=\"__12 _777\"> </span> Tilldelningen av ak<span class=\"__12 _768\"/>tier enligt progr<span class=\"__12 _768\"/>ammen f\u00f6r 2022 k<span class=\"__12 _768\"/>ommer<span class=\"__12 _777\"> </span> att beslutas under v<span class=\"__12 _768\"/>\u00e5ren 2023, och ing\u00e5r d\u00e4rmed inte i t<span class=\"__12 _768\"/>abel-<span class=\"__12 _777\"> </span>lerna nedan. Den har dock kostnadsf<span class=\"__12 _768\"/>\u00f6rts i sin helhet i resul-<span class=\"__12 _777\"> </span>tatr\u00e4kningen f<span class=\"__12 _768\"/>\u00f6r 2022.<span class=\"__12 _777\"> </span>Antal aktier<span class=\"__12 _f7_4\"> </span>2022<span class=\"__12 _846\"> </span>2021<span class=\"__12 _777\"> </span>Utest\u00e5ende vid \u00e5rets b\u00f6rjan<span class=\"__12 _8d_4\"> </span>2 523 663<span class=\"__12 _810\"> </span>1 219 284<span class=\"__12 _777\"> </span><span class=\"__12 _777\">Tilldelade1</span><span class=\"__12 _f8_4\"> </span>2 243 143<span class=\"__12 _806\"> </span>3 108 905<span class=\"__12 _777\"> </span>F\u00f6rverkade<span class=\"__12 _f9_4\"> </span>-2 823<span class=\"__12 _fa_4\"> </span>-23 899<span class=\"__12 _777\"> </span><span class=\"__12 _777\">Erh\u00e5llna2</span><span class=\"__12 _b8_4\"> </span>-1 796 442<span class=\"__12 _fb_4\"> </span>-1 780 627<span class=\"__12 _777\"> </span>Utest\u00e5ende vid \u00e5rets sl<span class=\"__12 _768\"/>ut <span class=\"__12 _fc_5\"> </span>2 967 541<span class=\"__12 _809\"> </span> 2 523 663<span class=\"__12 _777\"> </span>V<span class=\"__12 _768\"/>ara<span class=\"__12 _768\"/>v inl\u00f6senbara<span class=\"__12 _b8_4\"> </span>\u2013<span class=\"__12 _7b_4\"> </span>\u2013<span class=\"__12 _777\"> </span>1)   <span class=\"__12 _786\"/>Tilldelade r\u00e4ttighet<span class=\"__12 _768\"/>er 2022 avser an<span class=\"__12 _768\"/>talet aktier fr<span class=\"__12 _768\"/>\u00e5n programmen med r\u00f6rlig ers\u00e4ttning<span class=\"__12 _777\"> </span> f\u00f6r 2021 som tilldelades 2022 <span class=\"__12 _768\"/>Tilldelningen a<span class=\"__12 _768\"/>v r\u00e4ttigheter har skjutits upp till f<span class=\"__12 _768\"/>\u00f6ljd av<span class=\"__12 _777\"> </span> uppskjutande <span class=\"__12 _786\"/> och kvarh\u00e5llanderestrik<span class=\"__12 _768\"/>tioner enligt de nordiska \ufb01nansinspektionernas<span class=\"__12 _777\"> </span> regleringar<span class=\"__12 _768\"/>. De uppskjutna r\u00e4ttighet<span class=\"__12 _768\"/>erna har inte n\u00e5gon l\u00f6senk<span class=\"__12 _768\"/>urs.<span class=\"__12 _777\"> </span>2)   <span class=\"__12 _786\"/>Tilldelade r\u00e4ttighet<span class=\"__12 _768\"/>er omfa<span class=\"__12 _768\"/>ttas av en kv<span class=\"__12 _768\"/>arh\u00e5llandeperiod om ett \u00e5r efter \u00f6verl\u00e5t<span class=\"__12 _768\"/>elsen<span class=\"__12 _777\"> </span> till deltagarna. Inkluderar ak<span class=\"__12 _768\"/>tier som har erh\u00e5llits av delt<span class=\"__12 _768\"/>agarna men h\u00e5llits inne f\u00f6r<span class=\"__12 _777\"> </span> att t\u00e4cka inkomstska<span class=\"__12 _768\"/>tt eller sociala av<span class=\"__12 _768\"/>gifter<span class=\"__12 _768\"/>.<span class=\"__12 _777\"> </span>\u00d6verl\u00e5tels<span class=\"__12 _768\"/>e av ut<span class=\"__12 _768\"/>est\u00e5ende r<span class=\"__12 _768\"/>\u00e4ttigheter f<span class=\"__12 _768\"/>\u00f6rv\u00e4nt<span class=\"__12 _768\"/>as ske f<span class=\"__12 _768\"/>\u00f6ljande \u00e5r:<span class=\"__12 _777\"> </span>2022<span class=\"__12 _d_11\"> </span>2021<span class=\"__12 _777\"> </span>2022<span class=\"__12 _f3_4\"> </span>\u2013<span class=\"__12 _814\"> </span>807 845<span class=\"__12 _777\"> </span>2023<span class=\"__12 _fd_4\"> </span>1 179 841<span class=\"__12 _4c_4\"> </span>879 090<span class=\"__12 _777\"> </span>2024<span class=\"__12 _fe_4\"> </span>823 7<span class=\"__12 _b_11\"/>24<span class=\"__12 _4a_4\"> </span>5<span class=\"__12 _b_11\"/>20 251<span class=\"__12 _777\"> </span>2025<span class=\"__12 _a1_4\"> </span>512 699<span class=\"__12 _798\"> </span>213 764<span class=\"__12 _777\"> </span>2026<span class=\"__12 _fe_4\"> </span>399 361<span class=\"__12 _812\"> </span>102 713<span class=\"__12 _777\"> </span>2027<span class=\"__12 _855\"> </span>51 916<span class=\"__12 _8e_4\"> </span>\u2013<span class=\"__12 _777\"> </span>Summa<span class=\"__12 _e3_4\"> </span>2 967 541<span class=\"__12 _3b_6\"> </span>2 523 663<span class=\"__12 _777\"> </span>K8.4 <span class=\"__12 _787\"> </span> <span class=\"__12 _f6_4\"/>Ers\u00e4ttningar till n<span class=\"__12 _768\"/>yck<span class=\"__12 _768\"/>elpersoner i ledande positioner<span class=\"__12 _777\"> </span>Redovisningsprinciper<span class=\"__12 _777\"> </span>F\u00f6r in<span class=\"__12 _768\"/>f<span class=\"__12 _768\"/>ormation om redovisningsprinciperna, s<span class=\"__12 _768\"/>e not K8.<span class=\"__12 _a_11\"/>1 \u201dFas<span class=\"__12 _768\"/>t och r\u00f6rlig l\u00f6n\u201d<span class=\"__12 _a_11\"/>, not K8.2 \u201dPensioner<span class=\"__12 _b_11\"/>\u201d och not K8.3 \u201d<span class=\"__12 _be_5\"/>Aktierelate-<span class=\"__12 _777\"> </span>rade ers\u00e4ttningsprogr<span class=\"__12 _768\"/>am\u201d<span class=\"__12 _a_11\"/>. F\u00f6r de\ufb01nition a<span class=\"__12 _768\"/>v ny<span class=\"__12 _768\"/>ckelpersoner i ledande positioner<span class=\"__12 _a_11\"/>, se not K10.4 \u201dT<span class=\"__12 _a_11\"/>ransaktioner med n\u00e4rst\u00e5ende\u201d<span class=\"__12 _a_11\"/>. Styrelsearvode \u00c5rsst\u00e4mman 2022 fas<span class=\"__12 _768\"/>tst\u00e4llde s<span class=\"__12 _768\"/>tyrelsens \u00e5rsarvode enligt f\u00f6l<span class=\"__12 _768\"/>-<span class=\"__12 _777\"> </span>jande: ordf<span class=\"__12 _768\"/>\u00f6randen 340 000 euro<span class=\"__12 _768\"/>, vice ordf<span class=\"__12 _768\"/>\u00f6randen <span class=\"__12 _777\">160 000 euro och \u00f6vriga ledam\u00f6</span><span class=\"__12 _768\"/>ter 102 000 euro. D\u00e4rut\u00f6ver ut<span class=\"__12 _768\"/>g\u00e5r \u00e5rsarvode f\u00f6r arbete i s<span class=\"__12 _768\"/>tyrelsens drifts- och h\u00e5llbarhetskommitt\u00e9, revisionsk<span class=\"__12 _768\"/>ommitt\u00e9 och riskkommit-<span class=\"__12 _777\"> </span>t\u00e9 motsv<span class=\"__12 _768\"/>arande 65 000 euro f<span class=\"__12 _768\"/>\u00f6r kommitt\u00e9ernas or<span class=\"__12 _768\"/>df\u00f6r<span class=\"__12 _768\"/>ande och 32 500 euro f<span class=\"__12 _768\"/>\u00f6r \u00f6vriga ledam\u00f6ter<span class=\"__12 _a_11\"/>. \u00c5rsarvodet f<span class=\"__12 _768\"/>\u00f6r arbete i styrelsens ers\u00e4ttnings- och personalk<span class=\"__12 _768\"/>ommitt\u00e9 (board remu-<span class=\"__12 _777\"> </span>neration and people c<span class=\"__12 _768\"/>ommittee, BRPC) uppg\u00e5r till <span class=\"__12 _777\">48 000 euro f\u00f6r kommitt</span><span class=\"__12 _768\"/>\u00e9ns ordf<span class=\"__12 _768\"/>\u00f6rande och 28 000 euro f<span class=\"__12 _768\"/>\u00f6r \u00f6vriga ledam\u00f6ter<span class=\"__12 _a_11\"/>. Separat arvode betalas in<span class=\"__12 _768\"/>te till styr<span class=\"__12 _768\"/>elseledam\u00f6t<span class=\"__12 _768\"/>er som \u00e4r anst\u00e4llda i Nordeak<span class=\"__12 _768\"/>oncernen. Nordea betalar eller ers\u00e4tter s<span class=\"__12 _768\"/>tyrelseledam\u00f6<span class=\"__12 _768\"/>terna f\u00f6r alla kostnader eller utgift<span class=\"__12 _768\"/>er som a<span class=\"__12 _768\"/>vser styrels<span class=\"__12 _768\"/>euppdraget. Ev<span class=\"__12 _768\"/>entu-<span class=\"__12 _777\"> </span>ella f\u00f6rm\u00e5ner har medr<span class=\"__12 _768\"/>\u00e4knats till det skatt<span class=\"__12 _768\"/>epliktiga v<span class=\"__12 _768\"/>\u00e4rdet. Per den 31 december 2022 f<span class=\"__12 _768\"/>\u00f6rel\u00e5g inga \u00e5<span class=\"__12 _768\"/>taganden om av<span class=\"__12 _768\"/>g\u00e5ngsvederlag, pension eller annan ers\u00e4ttning till styrelseledam\u00f6<span class=\"__12 _768\"/>terna.<span class=\"__12 _777\"> </span>Ingen styrelseledamo<span class=\"__12 _768\"/>t har r\u00f6rlig ers\u00e4ttning, och arbetst<span class=\"__12 _768\"/>a-<span class=\"__12 _777\"> </span>garrepresen<span class=\"__12 _768\"/>tan<span class=\"__12 _768\"/>ter omf<span class=\"__12 _768\"/>att<span class=\"__12 _768\"/>as inte a<span class=\"__12 _768\"/>v tabellen nedan.<span class=\"__12 _777\"> </span>Ers\u00e4ttning till styrelsen<span class=\"__12 _777\"> </span>Euro<span class=\"__12 _ff_4\"> </span><span class=\"ls0_12 ws0_12\">2022<span class=\"__12 _d_11\"> </span>2021<span class=\"__12 _777\"> </span></span>Ordf\u00f6r<span class=\"__12 _768\"/>ande:<span class=\"__12 _777\"> </span>Stephen Hester<span class=\"__12 _777\"> </span>1<span class=\"__12 _777\"> </span>97 000<span class=\"__12 _8e_4\"> </span>\u2013<span class=\"__12 _777\"> </span>T<span class=\"__12 _a_11\"/>orbj\u00f6rn Magnusson<span class=\"__12 _777\"> </span>2<span class=\"__12 _777\"> </span>282 925<span class=\"__12 _798\"> </span>352 275<span class=\"__12 _777\"> </span>Vice ordf<span class=\"__12 _768\"/>\u00f6rande:<span class=\"__12 _777\"> </span>T<span class=\"__12 _a_11\"/><span class=\"__12 _777\">orbj\u00f6rn Magnusson2</span><span class=\"__12 _da_4\"> </span>47 000<span class=\"__12 _8e_4\"> </span>\u2013<span class=\"__12 _777\"> </span>Stephen Hester<span class=\"__12 _777\"> </span>1<span class=\"__12 _777\"> </span>94 000<span class=\"__12 _8e_4\"> </span>\u2013<span class=\"__12 _777\"> </span>Kari Jordan<span class=\"__12 _777\"> </span>3<span class=\"__12 _777\"> </span>44 450<span class=\"__12 _806\"> </span>17<span class=\"__12 _768\"/>6 100<span class=\"__12 _777\"> </span>\u00d6vriga styrelseledamot<span class=\"__12 _768\"/>er:<span class=\"__12 _777\"> </span>Arja T<span class=\"__12 _a_11\"/>alma<span class=\"__12 _777\"> </span>4<span class=\"__12 _777\"> </span>125 250<span class=\"__12 _8e_4\"> </span>\u2013<span class=\"__12 _777\"> </span>Birger Steen<span class=\"__12 _f9_4\"> </span>197 725<span class=\"__12 _808\"> </span>190 550<span class=\"__12 _777\"> </span>Claudia Dill<span class=\"__12 _777\"> </span>3,<span class=\"__12 _777\"> </span>5<span class=\"__12 _777\"> </span>40 300<span class=\"__12 _809\"> </span>120 900<span class=\"__12 _777\"> </span>John Maltby<span class=\"__12 _f9_4\"> </span>197 725<span class=\"__12 _fb_4\"> </span>183 050<span class=\"__12 _777\"> </span>Jonas Synnergren<span class=\"__12 _842\"> </span>1<span class=\"__12 _768\"/>41 175<span class=\"__12 _fb_4\"> </span>159 650<span class=\"__12 _777\"> </span>Kjersti Wiklund<span class=\"__12 _777\"> </span><span class=\"__12 _777\">4<span class=\"__12 _777\"> </span></span>125 250<span class=\"__12 _8e_4\"> </span>\u2013<span class=\"__12 _777\"> </span>Lene Skole<span class=\"__12 _777\"> </span>4<span class=\"__12 _777\"> </span>100 875<span class=\"__12 _8e_4\"> </span>\u2013<span class=\"__12 _777\"> </span>Nigel Hinshelwood<span class=\"__12 _777\"> </span>3<span class=\"__12 _777\"> </span>48 100<span class=\"__12 _fb_4\"> </span>190 550<span class=\"__12 _777\"> </span>Pernille Erenbjer<span class=\"__12 _768\"/>g<span class=\"__12 _777\"> </span>6<span class=\"__12 _777\"> </span>\u2013<span class=\"__12 _2c_6\"> </span>38 750<span class=\"__12 _777\"> </span>Petra v<span class=\"__12 _768\"/>on Hoeken<span class=\"__12 _868\"> </span>189 925<span class=\"__12 _808\"> </span>159 650<span class=\"__12 _777\"> </span>Robin Lawther<span class=\"__12 _869\"> </span>128 950<span class=\"__12 _fb_4\"> </span>124 600<span class=\"__12 _777\"> </span>Sarah Russell<span class=\"__12 _777\"> </span>3<span class=\"__12 _777\"> </span>39 250<span class=\"__12 _fb_4\"> </span>156 500<span class=\"__12 _777\"> </span>Summa<span class=\"__12 _788\"> </span>1 899 900<span class=\"__12 _865\"> </span>1 852 575<span class=\"__12 _777\"> </span>1)   <span class=\"__12 _786\"/>Ordf\u00f6rande fr<span class=\"__12 _768\"/>\u00e5n 1 oktober 2022, vice or<span class=\"__12 _768\"/>df\u00f6rande fr<span class=\"__12 _768\"/>\u00e5n 24 mars 2022 till 30 sept<span class=\"__12 _768\"/>ember<span class=\"__12 _777\"> </span> 2022.<span class=\"__12 _777\"> </span>2)   <span class=\"__12 _786\"/>Vice ordf\u00f6rande fr<span class=\"__12 _768\"/>\u00e5n 1 oktober 2022, or<span class=\"__12 _768\"/>df\u00f6rande fr<span class=\"__12 _768\"/>\u00e5n 24 mars 2022 till 30 sept<span class=\"__12 _768\"/>ember<span class=\"__12 _777\"> </span> 2022.<span class=\"__12 _777\"> </span>3)   <span class=\"__12 _786\"/>A<span class=\"__12 _768\"/>vgick som styrelseledamo<span class=\"__12 _768\"/>t vid den ordinarie bolagst\u00e4mma 2022.<span class=\"__12 _777\"> </span> 4)   <span class=\"__12 _786\"/>Ny styrelseledamot vid den ordinarie bolagst\u00e4mma 2022.<span class=\"__12 _777\"> </span>5)   <span class=\"__12 _786\"/>Ny styrelseledamot vid den ordinarie bolagst\u00e4mma 2021.<span class=\"__12 _777\"> </span>6)   <span class=\"__12 _786\"/>A<span class=\"__12 _768\"/>vgick som styrelseledamo<span class=\"__12 _768\"/>t vid den ordinarie bolagst\u00e4mma 2021.<span class=\"__12 _777\"> </span>Ers\u00e4ttning till konc<span class=\"__12 _768\"/>ernchefen, vic<span class=\"__12 _768\"/>e verkst\u00e4llande<span class=\"__12 _777\"> </span> direk<span class=\"__12 _768\"/>t\u00f6ren och konc<span class=\"__12 _768\"/>ernledningen<span class=\"__12 _777\"> </span>Styrelsens ers\u00e4ttnings- och personalkommitt\u00e9 (BRPC) f<span class=\"__12 _768\"/>\u00f6rbe-<span class=\"__12 _777\"> </span>reder \u00e4ndringar i ers\u00e4ttningsa<span class=\"__12 _768\"/>vtalen f<span class=\"__12 _768\"/>\u00f6r koncernchef<span class=\"__12 _768\"/>en, vice<span class=\"__12 _777\"> </span> vd:n och \u00f6vriga medlemmar i konc<span class=\"__12 _768\"/>ernledningen, f\u00f6r be<span class=\"__12 _768\"/>slut a<span class=\"__12 _768\"/>v<span class=\"__12 _777\"> </span> styrelsen. Detta inkl<span class=\"__12 _768\"/>uderar f<span class=\"__12 _768\"/>ast ers\u00e4ttning, utf<span class=\"__12 _768\"/>allet a<span class=\"__12 _768\"/>v Nordea<span class=\"__12 _777\"> </span> incentiv<span class=\"__12 _768\"/>e plan (NIP) 2022, f\u00f6r<span class=\"__12 _768\"/>delningen a<span class=\"__12 _768\"/>v villkorade ak<span class=\"__12 _768\"/>tier<span class=\"__12 _777\"> </span> inom ramen f<span class=\"__12 _768\"/>\u00f6r det l\u00e5ngsiktiga incitamen<span class=\"__12 _768\"/>tsprogr<span class=\"__12 _768\"/>ammet<span class=\"__12 _777\"> </span> (L<span class=\"__12 _be_5\"/>TIP) och den efterf\u00f6ljande tilldelningen a<span class=\"__12 _768\"/>v aktier f<span class=\"__12 _768\"/>r\u00e5n L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _777\"> </span> samt andr<span class=\"__12 _768\"/>a \u00e4ndringar<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span> Se not K8.3 \u201d<span class=\"__12 _be_5\"/>Aktierelater<span class=\"__12 _768\"/>ade ers\u00e4ttningsprogram\u201d f<span class=\"__12 _a_11\"/>\u00f6r mer<span class=\"__12 _777\"> </span> inf<span class=\"__12 _768\"/>ormation om de kortsik<span class=\"__12 _768\"/>tiga incitamentpr<span class=\"__12 _768\"/>ogrammen (STIP)<span class=\"__12 _777\"> </span> (NIP<span class=\"__12 _a_11\"/>/EIP) och L<span class=\"__12 _a_11\"/>TIP 2022\u2013<span class=\"__12 _768\"/>202<span class=\"__12 _768\"/>4, L<span class=\"__12 _be_5\"/>TIP 2021<span class=\"__12 _768\"/>\u20132023 och L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _777\"> </span> 2020\u20132022.<span class=\"__12 _777\"> </span>Presen<span class=\"__12 _768\"/>tationen a<span class=\"__12 _768\"/>v ers\u00e4ttningar i Ers\u00e4ttningsr<span class=\"__12 _768\"/>apporten f\u00f6r<span class=\"__12 _777\"> </span> styrande or<span class=\"__12 _768\"/>gan skiljer sig fr\u00e5n pr<span class=\"__12 _768\"/>esent<span class=\"__12 _768\"/>ationen och redo<span class=\"__12 _768\"/>vis-<span class=\"__12 _777\"> </span>ningsprinciperna enligt IFRS som till\u00e4mpas f\u00f6r \u00e5rsredo<span class=\"__12 _768\"/>vis-<span class=\"__12 _777\"> </span>ningen, fram<span class=\"__12 _768\"/>f\u00f6r all<span class=\"__12 _768\"/>t n\u00e4r det g\u00e4ller det l\u00e5ngsiktiga<span class=\"__12 _777\"> </span> incitamentspr<span class=\"__12 _768\"/>ogrammet.<span class=\"__12 _777\"> </span>F<span class=\"__12 _768\"/>ast ers\u00e4ttning<span class=\"__12 _777\"> </span>F<span class=\"__12 _768\"/>ast l\u00f6n betalas i lok<span class=\"__12 _768\"/>ala valutor och omr<span class=\"__12 _768\"/>\u00e4knas till euro till<span class=\"__12 _777\"> </span> \u00e5rets genomsnittskurs. Den f<span class=\"__12 _768\"/>asta l\u00f6nen innef<span class=\"__12 _768\"/>attar seme<span class=\"__12 _768\"/>ster-<span class=\"__12 _777\"> </span>ers\u00e4ttning och biltill\u00e4gg, i f<span class=\"__12 _768\"/>\u00f6rekommande f<span class=\"__12 _768\"/>all.<span class=\"__12 _777\"> </span> F\u00f6rm\u00e5nerna ut<span class=\"__12 _768\"/>g\u00f6rs huvudsakligen av bil <span class=\"__12 _c0_5\"/>, skatter<span class=\"__12 _768\"/>\u00e5dgiv-<span class=\"__12 _777\"> </span>nings- och bostadsf<span class=\"__12 _768\"/>\u00f6rm\u00e5n. F\u00f6rm\u00e5ner har medr<span class=\"__12 _768\"/>\u00e4knats till det<span class=\"__12 _777\"> </span> skatteplik<span class=\"__12 _768\"/>tiga v\u00e4r<span class=\"__12 _768\"/>det efter even<span class=\"__12 _768\"/>tuellt l\u00f6nea<span class=\"__12 _768\"/>vdr<span class=\"__12 _768\"/>ag.<span class=\"__12 _777\"> </span> Pensionskos<span class=\"__12 _768\"/>tnader utg\u00f6rs av under \u00e5r<span class=\"__12 _768\"/>et betalda pensions-<span class=\"__12 _777\"> </span>premier i a<span class=\"__12 _768\"/>vgiftsbest<span class=\"__12 _768\"/>\u00e4mda pensionsplaner och under \u00e5ret<span class=\"__12 _777\"> </span> intj\u00e4nade pensionsr<span class=\"__12 _768\"/>\u00e4tter i f<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbest\u00e4mda pensionsplaner<span class=\"__12 _777\"> </span> (\u201dKostnader a<span class=\"__12 _a_11\"/>vseende tj\u00e4nstg\u00f6ring innevarande \u00e5r\u201d liksom<span class=\"__12 _777\"> </span> \u201dKostnader a<span class=\"__12 _a_11\"/>vseende tj\u00e4nstg\u00f6ring tidigare \u00e5r samt r<span class=\"__12 _768\"/>eglering-<span class=\"__12 _777\"> </span>ar<span class=\"__12 _b_11\"/>\u201d<span class=\"__12 _a_11\"/>, de\ufb01nierade i IAS 19).<span class=\"__12 _777\"> </span> 2 336 438 euro (1 901 643 euro) av de t<span class=\"__12 _768\"/>otala pensionskos<span class=\"__12 _768\"/>t-<span class=\"__12 _777\"> </span>naderna avser a<span class=\"__12 _a_11\"/>vgiftsbest\u00e4mda pensionsplaner<span class=\"__12 _a_11\"/>, motsvarande<span class=\"__12 _777\"> </span> 97<span class=\"__12 _a_11\"/>,4 procent (96,6 pr<span class=\"__12 _768\"/>ocent).<span class=\"__12 _777\"> </span>Ers\u00e4ttning till koncernche<span class=\"__12 _768\"/>fen, vic<span class=\"__12 _768\"/>e vd och konc<span class=\"__12 _768\"/>ernledningen<span class=\"__12 _777\"> </span>F<span class=\"__12 _768\"/>ast ers\u00e4ttning<span class=\"__12 _777\"> </span>Fas<span class=\"__12 _768\"/>t l\u00f6n<span class=\"__12 _777\"> </span>Pensionskostnad  A<span class=\"__12 _768\"/>vgifts- och f\u00f6rm\u00e5ns-<span class=\"__12 _777\"> </span>best\u00e4mda planer<span class=\"__12 _835\"> </span>F\u00f6rm\u00e5ner<span class=\"__12 _df_4\"> </span>Summa fast ers\u00e4ttning<span class=\"__12 _777\"> </span>Euro<span class=\"__12 _863\"> </span><span class=\"ls0_12 ws0_12\">2022<span class=\"__12 _815\"> </span>2021<span class=\"__12 _779\"> </span>2022<span class=\"__12 _815\"> </span>2021<span class=\"__12 _779\"> </span>2022<span class=\"__12 _815\"> </span>2021<span class=\"__12 _871\"> </span>2022<span class=\"__12 _871\"> </span>2021<span class=\"__12 _777\"> </span></span>Koncernchef:<span class=\"__12 _777\"> </span>Frank V<span class=\"__12 _a_11\"/>ang-<span class=\"__12 _768\"/>Jensen<span class=\"__12 _872\"> </span>1 469 7<span class=\"__12 _768\"/>43<span class=\"__12 _807\"> </span>1 361 329<span class=\"__12 _808\"> </span>42<span class=\"__12 _b_11\"/>3 031<span class=\"__12 _773\"> </span>386 405<span class=\"__12 _fb_4\"> </span>105 985<span class=\"__12 _fb_4\"> </span>109 392<span class=\"__12 _e5_4\"> </span>1 998 759<span class=\"__12 _805\"> </span>1 857 126<span class=\"__12 _777\"> </span>Vice vd:<span class=\"__12 _777\"> </span>Jussi Koskinen<span class=\"__12 _a3_4\"> </span>545 545<span class=\"__12 _fb_4\"> </span>481 447<span class=\"__12 _fb_4\"> </span>192 950<span class=\"__12 _4a_4\"> </span>139 623<span class=\"__12 _3d_6\"> </span>18 391<span class=\"__12 _801\"> </span>21 634<span class=\"__12 _806\"> </span>756 886<span class=\"__12 _fb_4\"> </span>642 704<span class=\"__12 _777\"> </span>Koncernledning:<span class=\"__12 _777\"> </span>10 (10) personer exklusive k<span class=\"__12 _768\"/>oncernchefen och vic<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span> vd:<span class=\"__12 _f5_4\"> </span><span class=\"ls0_12 ws0_12\">6 831 481<span class=\"__12 _799\"> </span>6 292 854<span class=\"__12 _e6_4\"> </span>1 781 737<span class=\"__12 _865\"> </span>1 441 569<span class=\"__12 _808\"> </span>178 296<span class=\"__12 _808\"> </span>155 467<span class=\"__12 _817\"> </span>8 791 514<span class=\"__12 _2e_6\"> </span>7 889 890<span class=\"__12 _777\"> </span></span>Summa<span class=\"__12 _873\"> </span>8 846 769<span class=\"__12 _799\"> </span>8 135 630<span class=\"__12 _865\"> </span>2 397 718<span class=\"__12 _874\"> </span>1 967 597<span class=\"__12 _814\"> </span>302 67<span class=\"__12 _b_11\"/>2<span class=\"__12 _773\"> </span>286 493<span class=\"__12 _3b_6\"> </span>11 547 159<span class=\"__12 _875\"> </span>10 389 720<span class=\"__12 _777\"> </span>R\u00f6rlig ers\u00e4ttning<span class=\"__12 _777\"> </span>STIP (NIP<span class=\"__12 _a_11\"/>/EIP )<span class=\"__12 _876\"> </span>L<span class=\"__12 _a_11\"/><span class=\"__12 _777\">TIP1</span><span class=\"__12 _3a_7\"> </span>Summa r\u00f6rlig ers\u00e4ttning Summa ers\u00e4ttning  fast och r\u00f6rlig<span class=\"__12 _777\"> </span>Euro<span class=\"__12 _877\"> </span><span class=\"ls0_12 ws0_12\">2022<span class=\"__12 _d_11\"> </span>2021<span class=\"__12 _815\"> </span>2022<span class=\"__12 _d_11\"> </span>2021<span class=\"__12 _779\"> </span>2022<span class=\"__12 _d_11\"> </span>2021<span class=\"__12 _813\"> </span>2022<span class=\"__12 _871\"> </span>2021<span class=\"__12 _777\"> </span></span>Koncernchef:<span class=\"__12 _777\"> </span>Frank V<span class=\"__12 _a_11\"/>ang-<span class=\"__12 _768\"/>Jensen<span class=\"__12 _ce_5\"> </span>981 140<span class=\"__12 _4c_4\"> </span>849 509<span class=\"__12 _798\"> </span>531 536<span class=\"__12 _798\"> </span>201 7<span class=\"__12 _b_11\"/>24<span class=\"__12 _e6_4\"> </span>1 512 676<span class=\"__12 _10a_4\"> </span>1 051 233<span class=\"__12 _e5_4\"> </span>3 511 435<span class=\"__12 _874\"> </span>2 908 359<span class=\"__12 _777\"> </span>Vice vd:<span class=\"__12 _777\"> </span>Jussi Koskinen<span class=\"__12 _9a_4\"> </span>354 792<span class=\"__12 _812\"> </span>314 137<span class=\"__12 _c6_4\"> </span><span class=\"ls4_11 ws8_11\">177<span class=\"__12 _b_11\"/> 178<span class=\"__12 _785\"> </span></span>67 2<span class=\"__12 _768\"/>41<span class=\"__12 _4a_4\"> </span>531 970<span class=\"__12 _798\"> </span>381 378<span class=\"__12 _865\"> </span>1 288 856<span class=\"__12 _865\"> </span>1 024 082<span class=\"__12 _777\"> </span>Koncernledning:<span class=\"__12 _777\"> </span>10 (10) personer exklusive k<span class=\"__12 _768\"/>oncernchefen och vic<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span> vd:<span class=\"__12 _10b_4\"> </span><span class=\"ls0_12 ws0_12\">4 148 166<span class=\"__12 _2e_6\"> </span>3 829 690<span class=\"__12 _799\"> </span>1 886 840<span class=\"__12 _773\"> </span>685 649<span class=\"__12 _2e_6\"> </span>6 035 006<span class=\"__12 _865\"> </span>4 515 339<span class=\"__12 _10c_4\"> </span>14 826 520<span class=\"__12 _10c_4\"> </span>12 405 229<span class=\"__12 _777\"> </span></span>Summa<span class=\"__12 _10d_4\"> </span>5 484 098<span class=\"__12 _799\"> </span>4 993 336<span class=\"__12 _799\"> </span>2 595 554<span class=\"__12 _814\"> </span>954 614<span class=\"__12 _799\"> </span>8 079 652<span class=\"__12 _2e_6\"> </span>5 947 950<span class=\"__12 _789\"> </span>19 626 811 <span class=\"__12 _10e_4\"> </span>16 337 670<span class=\"__12 _777\"> </span>1)  De\ufb01nierad som kostnaden ber\u00e4knad enligt IFRS 2 f<span class=\"__12 _768\"/>\u00f6r L<span class=\"__12 _a_11\"/>TIP 2020-2022, L<span class=\"__12 _be_5\"/>TIP 2021-2023, L<span class=\"__12 _a_11\"/>TIP 2022-<span class=\"__12 _768\"/>2024.<span class=\"__12 _777\"> </span>R\u00f6rlig ers\u00e4ttning<span class=\"__12 _777\"> </span>Tilldelningen fr\u00e5n STIP<span class=\"__12 _768\"/> 2022 (NIP) f<span class=\"__12 _768\"/>\u00f6r koncernchef<span class=\"__12 _768\"/>en, vice<span class=\"__12 _777\"> </span> verkst\u00e4llande dir<span class=\"__12 _768\"/>ekt<span class=\"__12 _768\"/>\u00f6ren och koncernledningen baser<span class=\"__12 _768\"/>as p\u00e5<span class=\"__12 _777\"> </span> speci\ufb01ka m\u00e5l och kan som h\u00f6gst uppg\u00e5 till 75 pr<span class=\"__12 _768\"/>ocent a<span class=\"__12 _768\"/>v den<span class=\"__12 _777\"> </span> fas<span class=\"__12 _768\"/>ta grundl\u00f6nen, f\u00f6rut<span class=\"__12 _768\"/><span class=\"__12 _777\">om f\u00f6r Chief Risk Offic</span><span class=\"__12 _768\"/>er och Chief<span class=\"__12 _777\"> </span> <span class=\"__12 _777\">Compliance Officer som har ett tak p\u00e5 100 pr</span><span class=\"__12 _768\"/>ocent.<span class=\"__12 _777\"> </span>40 procen<span class=\"__12 _768\"/>t av tilldelningen f<span class=\"__12 _768\"/>r\u00e5n NIP<span class=\"__12 _768\"/> 2022 betalas ut under<span class=\"__12 _777\"> </span> 2023. \u00c5terst\u00e5ende 60 pr<span class=\"__12 _768\"/>ocent bet<span class=\"__12 _768\"/>alas ut i lika delar under en<span class=\"__12 _777\"> </span> fem\u00e5rsperiod, med en in<span class=\"__12 _768\"/>tj\u00e4ning p\u00e5 12 procen<span class=\"__12 _768\"/>t per \u00e5r<span class=\"__12 _a_11\"/>. 50 pro-<span class=\"__12 _777\"> </span>cent a<span class=\"__12 _768\"/>v tilldelningen f<span class=\"__12 _768\"/>r\u00e5n NIP<span class=\"__12 _768\"/> 2022 betalas vid respek<span class=\"__12 _768\"/>tive<span class=\"__12 _777\"> </span> \u00f6verf<span class=\"__12 _768\"/>\u00f6ringstidpunk<span class=\"__12 _768\"/>t i form a<span class=\"__12 _768\"/>v Nordeaak<span class=\"__12 _768\"/>tier (e<span class=\"__12 _768\"/>xklusiv<span class=\"__12 _768\"/>e utdel-<span class=\"__12 _777\"> </span>ning). Ak<span class=\"__12 _768\"/>tierna omf<span class=\"__12 _768\"/>attas a<span class=\"__12 _a_11\"/>v en kvarh\u00e5llandeperiod om<span class=\"__12 _777\"> </span> <span class=\"__12 _777\">12 m\u00e5nader efter uppskjutandeperiodens slut. </span><span class=\"__12 _768\"/>Tilldelningen<span class=\"__12 _777\"> </span> fr\u00e5n NIP<span class=\"__12 _768\"/> 2022 har kos<span class=\"__12 _768\"/>tnadsf\u00f6rts i sin helhet under 2022.<span class=\"__12 _777\"> </span> Vidare deltar konc<span class=\"__12 _768\"/>ernchef<span class=\"__12 _768\"/>en, vice verkst<span class=\"__12 _768\"/>\u00e4llande direkt<span class=\"__12 _768\"/>\u00f6ren<span class=\"__12 _777\"> </span> och medlemmarna i koncernledningen i de ak<span class=\"__12 _768\"/>tierelat<span class=\"__12 _768\"/>erade<span class=\"__12 _777\"> </span> L<span class=\"__12 _be_5\"/>TIP 2020\u20132022, L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _768\"/> 2021\u2013<span class=\"__12 _768\"/>2023 och L<span class=\"__12 _be_5\"/>TIP 2022\u2013202<span class=\"__12 _768\"/>4 efter<span class=\"__12 _777\"> </span> beslut a<span class=\"__12 _768\"/>v styrelsen och in<span class=\"__12 _768\"/>f<span class=\"__12 _768\"/>\u00f6rda i enlighet med \u201dErs\u00e4ttningspo-<span class=\"__12 _777\"> </span>licy f\u00f6r s<span class=\"__12 _768\"/>tyrande organ\u201d som godk<span class=\"__12 _768\"/>\u00e4ndes vid en r\u00e5dgivande<span class=\"__12 _777\"> </span> omr\u00f6stning p\u00e5 Nordeas or<span class=\"__12 _768\"/>dinarie bolagsst\u00e4mma 2020 och<span class=\"__12 _777\"> </span> g\u00e4ller fram till or<span class=\"__12 _768\"/>dinarie bolagsst\u00e4mma 202<span class=\"__12 _768\"/>4. <span class=\"__12 _777\"> Chief Risk Officer och Chief Compliance Officer del</span><span class=\"__12 _768\"/>tar int<span class=\"__12 _768\"/>e i<span class=\"__12 _777\"> </span> dessa tre incitamen<span class=\"__12 _768\"/>tsprogram.<span class=\"__12 _777\"> </span>Ers\u00e4ttning till koncernchef<span class=\"__12 _768\"/>en<span class=\"__12 _777\"> </span>Fr<span class=\"__12 _768\"/>ank V<span class=\"__12 _a_11\"/>ang <span class=\"__12 _870\"/>Jensen uts\u00e5gs till koncernchef den 5 sep<span class=\"__12 _768\"/>tember<span class=\"__12 _777\"> </span> 2019.<span class=\"__12 _777\"> </span> Koncernchef<span class=\"__12 _768\"/>ens f<span class=\"__12 _768\"/>asta \u00e5rsl\u00f6n uppg\u00e5r till 1 410 000 euro f<span class=\"__12 _768\"/>r\u00e5n<span class=\"__12 _777\"> </span> den 1 januari 2022.  Koncernchef<span class=\"__12 _768\"/>en om<span class=\"__12 _768\"/>fa<span class=\"__12 _768\"/>ttas a<span class=\"__12 _768\"/>v en av<span class=\"__12 _768\"/>giftsbest\u00e4md pensions-<span class=\"__12 _777\"> </span>plan, d\u00e4r pensionspremierna uppg\u00e5r till 30 procen<span class=\"__12 _768\"/>t a<span class=\"__12 _768\"/>v den<span class=\"__12 _777\"> </span> fas<span class=\"__12 _768\"/>ta grundl\u00f6nen.<span class=\"__12 _777\"> </span>F\u00f6rm\u00e5nerna ut<span class=\"__12 _768\"/>gjordes huvudsakligen a<span class=\"__12 _768\"/>v bil-, bost<span class=\"__12 _768\"/>ads-,<span class=\"__12 _777\"> </span> s\u00e4kerhets- och reser<span class=\"__12 _768\"/>elater<span class=\"__12 _768\"/>ade f\u00f6rm\u00e5ner s\u00e5<span class=\"__12 _768\"/>v<span class=\"__12 _768\"/>\u00e4l som skatter<span class=\"__12 _768\"/>\u00e5d-<span class=\"__12 _777\"> </span>givning, till ett v\u00e4rde a<span class=\"__12 _768\"/>v 105 985 euro<span class=\"__12 _768\"/>.<span class=\"__12 _777\"> </span>NIP 2022 baser<span class=\"__12 _768\"/>ades p\u00e5 s\u00e4rskilda m\u00e5l och kunde som h\u00f6gs<span class=\"__12 _768\"/>t<span class=\"__12 _777\"> </span> uppg\u00e5 till 75 procen<span class=\"__12 _768\"/>t av den f<span class=\"__12 _768\"/>ast<span class=\"__12 _768\"/>a grundl\u00f6nen. F\u00f6r 2022 upp-<span class=\"__12 _777\"> </span>gick tilldelningen fr\u00e5n NIP<span class=\"__12 _768\"/> till 981 140 eur<span class=\"__12 _768\"/>o.<span class=\"__12 _777\"> </span>F\u00f6r 2022 uppgick IFRS 2-k<span class=\"__12 _768\"/>ostnaden till 93 186 euro f<span class=\"__12 _768\"/>\u00f6r L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _777\"> </span> 2020\u20132022, 2<span class=\"__12 _768\"/>46 544 euro f<span class=\"__12 _768\"/>\u00f6r L<span class=\"__12 _be_5\"/>TIP 2021<span class=\"__12 _768\"/>\u20132023 och 191 8<span class=\"ws0_12\"><span class=\"__12 _777\">06 eur<span class=\"__12 _777\"> </span></span></span><span class=\"ws0_12\">o<span class=\"__12 _777\"> </span></span><span class=\"ws0_12\"> </span>f\u00f6r L<span class=\"__12 _be_5\"/>TIP 2022\u2013<span class=\"__12 _768\"/>202<span class=\"__12 _768\"/>4.<span class=\"__12 _777\"> </span> Koncernchef<span class=\"__12 _768\"/>en m\u00e5st<span class=\"__12 _768\"/>e beh\u00e5lla en stor andel a<span class=\"__12 _768\"/>v de tilldelad<span class=\"__12 _777\"> </span>e<span class=\"__12 _777\"> </span> aktierna f<span class=\"__12 _768\"/>r\u00e5n L<span class=\"__12 _be_5\"/>TIP 2020\u2013<span class=\"__12 _768\"/>2022, L<span class=\"__12 _be_5\"/>TIP 2021<span class=\"__12 _768\"/>\u20132023 och L<span class=\"__12 _be_5\"/>TIP 2022\u2013<span class=\"__12 _777\"> </span>2024 till dess a<span class=\"__12 _768\"/>tt det samlade v\u00e4rdet a<span class=\"__12 _768\"/>v ak<span class=\"__12 _768\"/>tierna motsv<span class=\"__12 _768\"/>arar<span class=\"__12 _777\"> </span> 100 procen<span class=\"__12 _768\"/>t av hans f<span class=\"__12 _768\"/>ast<span class=\"__12 _768\"/>a brutto\u00e5rsl\u00f6n. Dessa aktier m\u00e5s<span class=\"__12 _768\"/>te<span class=\"__12 _777\"> </span> beh\u00e5llas till dess att koncernche<span class=\"__12 _768\"/>fen l\u00e4mnar sin bef<span class=\"__12 _768\"/>attning.<span class=\"__12 _777\"> </span> Den samlade kostnadsf<span class=\"__12 _768\"/>\u00f6rda ers\u00e4ttningen f<span class=\"__12 _768\"/>\u00f6r 2022 uppgick<span class=\"__12 _777\"> </span> till 3 511 435 euro.<span class=\"__12 _777\"> </span>Ers\u00e4ttning till vice verks<span class=\"__12 _768\"/>t\u00e4llande direk<span class=\"__12 _768\"/>t\u00f6ren<span class=\"__12 _777\"> </span>Jussi Koskinen uts\u00e5gs till vice v<span class=\"__12 _768\"/>erkst\u00e4llande direk<span class=\"__12 _768\"/>t\u00f6r (vic<span class=\"__12 _768\"/>e vd)<span class=\"__12 _777\"> </span> den 10 september 2019.<span class=\"__12 _777\"> </span> Vice vd:s f<span class=\"__12 _768\"/>asta \u00e5rsl\u00f6n var 540 37<span class=\"__12 _a_11\"/>4 euro fr<span class=\"__12 _768\"/>\u00e5n den 1 januari<span class=\"__12 _777\"> </span> 2022.<span class=\"__12 _777\"> </span> Vice verkst<span class=\"__12 _768\"/>\u00e4llande vd:n omf<span class=\"__12 _768\"/>att<span class=\"__12 _768\"/>as \u00e4v<span class=\"__12 _768\"/>en a<span class=\"__12 _768\"/>v en av<span class=\"__12 _768\"/>giftsbe-<span class=\"__12 _777\"> </span>st\u00e4md pensionsplan, d\u00e4r premierna uppgick till 8,5 proc<span class=\"__12 _768\"/>ent a<span class=\"__12 _768\"/>v<span class=\"__12 _777\"> </span> den fas<span class=\"__12 _768\"/>ta grundl\u00f6nen, ut\u00f6v<span class=\"__12 _768\"/>er betalningar till det lagstadgade<span class=\"__12 _777\"> </span> \ufb01nska pensionssystemet. Enligt de lagstadgade pensionsreg-<span class=\"__12 _777\"> </span>lerna ska den del av utf<span class=\"__12 _768\"/>allet f<span class=\"__12 _768\"/>r\u00e5n NIP<span class=\"__12 _768\"/> 2022 f\u00f6r k<span class=\"__12 _768\"/>oncernled-<span class=\"__12 _777\"> </span>ningen som betalas ut under 2023 medr\u00e4knas i pensionsgrun-<span class=\"__12 _777\"> </span>dande l\u00f6n.<span class=\"__12 _777\"> </span>F\u00f6rm\u00e5nerna f<span class=\"__12 _768\"/>\u00f6r 2022 uppgick till 18 391 euro och ut<span class=\"__12 _768\"/>gjordes<span class=\"__12 _777\"> </span> huvudsakligen av bilf<span class=\"__12 _768\"/>\u00f6rm\u00e5n.<span class=\"__12 _777\"> </span>NIP 2022 baser<span class=\"__12 _768\"/>ades p\u00e5 s\u00e4rskilda m\u00e5l och kunde som h\u00f6gs<span class=\"__12 _768\"/>t<span class=\"__12 _777\"> </span> uppg\u00e5 till 75 procen<span class=\"__12 _768\"/>t av den f<span class=\"__12 _768\"/>ast<span class=\"__12 _768\"/>a grundl\u00f6nen. F\u00f6r 2022 upp-<span class=\"__12 _777\"> </span>gick tilldelningen fr\u00e5n NIP<span class=\"__12 _768\"/> till 354 792 euro.<span class=\"__12 _777\"> </span> F\u00f6r 2022 uppgick IFRS 2-k<span class=\"__12 _768\"/>ostnaden till 31 062 euro f<span class=\"__12 _768\"/>\u00f6r L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _777\"> </span> 2020\u20132022, 82 181 euro f<span class=\"__12 _768\"/>\u00f6r L<span class=\"__12 _be_5\"/>TIP 2021<span class=\"__12 _768\"/>\u2013<span class=\"__12 _768\"/>2023 och 63 935 euro<span class=\"__12 _777\"> </span> f\u00f6r L<span class=\"__12 _be_5\"/>TIP 2022\u2013<span class=\"__12 _768\"/>202<span class=\"__12 _768\"/>4.<span class=\"__12 _777\"> </span> Vice vd m\u00e5st<span class=\"__12 _768\"/>e beh\u00e5lla en stor andel a<span class=\"__12 _768\"/>v de tilldelade ak<span class=\"__12 _768\"/>tier<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>na fr\u00e5n L<span class=\"__12 _be_5\"/>TIP 2020\u2013<span class=\"__12 _768\"/>2022, L<span class=\"__12 _be_5\"/>TIP 2021<span class=\"__12 _768\"/>\u2013<span class=\"__12 _768\"/>2023 och L<span class=\"__12 _be_5\"/>TIP 2022\u2013202<span class=\"__12 _768\"/>4<span class=\"__12 _777\"> </span> till dess att det samlade v\u00e4r<span class=\"__12 _768\"/>det a<span class=\"__12 _768\"/>v aktierna mo<span class=\"__12 _768\"/>tsvarar 100 pr<span class=\"__12 _768\"/>o<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>cent a<span class=\"__12 _768\"/>v hans f<span class=\"__12 _768\"/>asta brutt<span class=\"__12 _768\"/>o\u00e5rsl\u00f6n. Dessa aktier m\u00e5st<span class=\"__12 _768\"/>e beh\u00e5llas<span class=\"__12 _777\"> </span> till dess att vice v<span class=\"__12 _768\"/>d l\u00e4mnar sin befa<span class=\"__12 _768\"/>ttning i koncernledningen.<span class=\"__12 _777\"> </span> Den samlade intj\u00e4nade ers\u00e4ttningen f<span class=\"__12 _768\"/>\u00f6r 2022 uppgick till<span class=\"__12 _777\"> </span> 1 288 856 euro.<span class=\"__12 _777\"> </span>Ers\u00e4ttning till koncernledningen<span class=\"__12 _777\"> </span>Ers\u00e4ttning till \u00f6vriga medlemmar i koncernl<span class=\"__12 _768\"/>edningen ing\u00e5r<span class=\"__12 _777\"> </span> f\u00f6r den tid som de inneha<span class=\"__12 _768\"/>ft sin befa<span class=\"__12 _768\"/>ttning och omf<span class=\"__12 _768\"/>atta<span class=\"__12 _768\"/>ts a<span class=\"__12 _768\"/>v<span class=\"__12 _777\"> </span> NIP 2022 och L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span> En ny medlem i koncernledningen uts\u00e5gs den 1 april 2022<span class=\"__12 _777\"> </span> och en medlem av<span class=\"__12 _768\"/>gick den 31 mars 2022 och har l\u00e4mnat<span class=\"__12 _777\"> </span> Nordea.<span class=\"__12 _777\"> </span>Inga rekryteringsbonusar eller utk\u00f6p godk\u00e4ndes under 2022.<span class=\"__12 _777\"> </span>NIP 2022 f<span class=\"__12 _768\"/>\u00f6r koncernl<span class=\"__12 _768\"/>edningen baserades p\u00e5 speci\ufb01ka m\u00e5l<span class=\"__12 _777\"> </span> och kan uppg\u00e5 till h\u00f6gst 75 proc<span class=\"__12 _768\"/>ent a<span class=\"__12 _768\"/>v den f<span class=\"__12 _768\"/>asta grundl\u00f6nen<span class=\"__12 _777\"> </span> f\u00f6r de medlemmar i k<span class=\"__12 _768\"/>oncernledningen som erbjuds L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _777\"> </span> 2022\u2013202<span class=\"__12 _768\"/>4 och 100 procen<span class=\"__12 _768\"/>t f<span class=\"__12 _768\"/>\u00f6r \u00f6vriga. F<span class=\"__12 _768\"/>\u00f6r 2022 uppgick till-<span class=\"__12 _777\"> </span>delningen fr\u00e5n NIP<span class=\"__12 _768\"/> till 4 148 166 euro<span class=\"__12 _768\"/>.<span class=\"__12 _777\"> </span> F\u00f6r 2022 uppgick IFRS 2-k<span class=\"__12 _768\"/>ostnaden till 279 558 euro f\u00f6r<span class=\"__12 _777\"> </span> L<span class=\"__12 _be_5\"/>TIP 2020\u20132022, 903 994 eur<span class=\"__12 _768\"/>o f\u00f6r L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _768\"/> 2021\u2013<span class=\"__12 _768\"/>2023 och<span class=\"__12 _777\"> </span> 703 288 euro f<span class=\"__12 _768\"/>\u00f6r L<span class=\"__12 _be_5\"/>TIP 2022\u2013202<span class=\"__12 _768\"/>4.<span class=\"__12 _777\"> </span>Medlemmarna i koncernledningen m\u00e5st<span class=\"__12 _768\"/>e beh\u00e5lla en stor<span class=\"__12 _777\"> </span> andel av de tilldelade ak<span class=\"__12 _768\"/>tierna fr<span class=\"__12 _768\"/>\u00e5n L<span class=\"__12 _be_5\"/>TIP 2020\u2013<span class=\"__12 _768\"/>2022, L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _777\"> </span> 2021\u2013<span class=\"__12 _768\"/>2023 och L<span class=\"__12 _be_5\"/>TIP 2022\u2013202<span class=\"__12 _768\"/>4 till dess att det samlade v<span class=\"__12 _768\"/>\u00e4r-<span class=\"__12 _777\"> </span>det av ak<span class=\"__12 _768\"/>tierna motsv<span class=\"__12 _768\"/>arar 100 proc<span class=\"__12 _768\"/>ent a<span class=\"__12 _768\"/>v deras r<span class=\"__12 _768\"/>espek<span class=\"__12 _768\"/>tive<span class=\"__12 _777\"> </span> fas<span class=\"__12 _768\"/>ta brutto\u00e5rsl\u00f6n. Dessa aktier m\u00e5s<span class=\"__12 _768\"/>te beh\u00e5llas till dess att<span class=\"__12 _777\"> </span> personen l\u00e4mnar sin befattning i k<span class=\"__12 _768\"/>oncernledningen.<span class=\"__12 _777\"> </span>Pensionsplanerna f<span class=\"__12 _768\"/>\u00f6r de \u00f6vriga tio medlemmarna i kon-<span class=\"__12 _777\"> </span>cernledningen ser olika ut beroende p\u00e5 de na<span class=\"__12 _768\"/>tionella f\u00f6rh\u00e5l<span class=\"__12 _768\"/>-<span class=\"__12 _777\"> </span>landena. Pensionsplanerna \u00e4r a<span class=\"__12 _768\"/>vgiftsbes<span class=\"__12 _768\"/>t\u00e4mda eller en kom-<span class=\"__12 _777\"> </span>bination a<span class=\"__12 _768\"/>v a<span class=\"__12 _768\"/>vgiftsbest\u00e4mda och f<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4mda<span class=\"__12 _777\"> </span> pensionsplaner<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span> Per den 31 december 2022 hade tr<span class=\"__12 _768\"/>e medlemmar pensions-<span class=\"__12 _777\"> </span>planer i enlighet med svenska kollek<span class=\"__12 _768\"/>tiva<span class=\"__12 _768\"/>vtal, B<span class=\"__12 _768\"/>TP1 (av<span class=\"__12 _768\"/>giftsbe-<span class=\"__12 _777\"> </span>st\u00e4md pension) och B<span class=\"__12 _768\"/>TP2 (f\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4md pension), med<span class=\"__12 _777\"> </span> kompletterande a<span class=\"__12 _a_11\"/>vgiftsbest\u00e4mda pensionsplaner ut\u00f6ver k<span class=\"__12 _768\"/>ol-<span class=\"__12 _777\"> </span>lektiv<span class=\"__12 _768\"/>avt<span class=\"__12 _768\"/>alet. Pensionspremierna uppgick sammant<span class=\"__12 _768\"/>aget till<span class=\"__12 _777\"> </span> <span class=\"__12 _777\">30 procen</span><span class=\"__12 _768\"/>t av den f<span class=\"__12 _768\"/>ast<span class=\"__12 _768\"/>a grundl\u00f6nen.<span class=\"__12 _777\"> </span> T<span class=\"__12 _a_11\"/>v\u00e5 medlemmar hade en avgiftsbe<span class=\"__12 _768\"/>st\u00e4md pensionsplan i<span class=\"__12 _777\"> </span> enlighet med dansk praxis. Pensionspr<span class=\"__12 _768\"/>emierna uppgick sam-<span class=\"__12 _777\"> </span>mantaget till 30 pr<span class=\"__12 _768\"/>ocent a<span class=\"__12 _768\"/>v den f<span class=\"__12 _768\"/>asta grundl\u00f6nen.<span class=\"__12 _777\"> </span> Fyra medlemmar om<span class=\"__12 _768\"/>fa<span class=\"__12 _768\"/>ttades a<span class=\"__12 _768\"/>v det lagstadgade \ufb01nska<span class=\"__12 _777\"> </span> pensionssystemet och hade i till\u00e4gg en a<span class=\"__12 _768\"/>vgiftsbes<span class=\"__12 _768\"/>t\u00e4md pen-<span class=\"__12 _777\"> </span>sionsplan motsvar<span class=\"__12 _768\"/>ande 8,5 procent a<span class=\"__12 _a_11\"/>v den fasta grundl\u00f6nen.<span class=\"__12 _777\"> </span>En medlem saknar pensionsavt<span class=\"__12 _768\"/>al med Nordea.<span class=\"__12 _777\"> </span> Uppskjuten r\u00f6rlig ers\u00e4ttning i f<span class=\"__12 _768\"/>orm a<span class=\"__12 _768\"/>v Nordeaak<span class=\"__12 _768\"/>tier<span class=\"__12 _777\"> </span>En del av tilldelningen f<span class=\"__12 _768\"/>r\u00e5n EIP<span class=\"__12 _768\"/> 2019, EIP<span class=\"__12 _768\"/> 2020 och EIP 2021<span class=\"__12 _777\"> </span> f\u00f6r k<span class=\"__12 _768\"/>oncernledningen har skjutits upp, med fr<span class=\"__12 _768\"/>amtida bet<span class=\"__12 _768\"/>al-<span class=\"__12 _777\"> </span>ning i form a<span class=\"__12 _768\"/>v Nordeaak<span class=\"__12 _768\"/>tier<span class=\"__12 _a_11\"/>. Even<span class=\"__12 _768\"/>tuella Nordeaak<span class=\"__12 _768\"/>tier som till-<span class=\"__12 _777\"> </span>delas fr\u00e5n NIP<span class=\"__12 _768\"/> 2022 liksom den villkor<span class=\"__12 _768\"/>ade aktietilldelningen<span class=\"__12 _777\"> </span> fr\u00e5n L<span class=\"__12 _be_5\"/>TIP 2020\u2013<span class=\"__12 _768\"/>2022 per 31 december 2022 ing\u00e5r in<span class=\"__12 _768\"/>te i tabel<span class=\"__12 _768\"/>-<span class=\"__12 _777\"> </span>len nedan.<span class=\"__12 _777\"> </span>Nordeaaktier<span class=\"ff2_12 fs0_12\"> </span>\u2013 till<span class=\"__12 _768\"/>delade och uppskjutna<span class=\"__12 _777\"> </span>2022<span class=\"__12 _d_11\"> </span>2021<span class=\"__12 _777\"> </span>Koncernchef:<span class=\"__12 _777\"> </span>Frank V<span class=\"__12 _a_11\"/>ang-<span class=\"__12 _768\"/>Jensen<span class=\"__12 _10f_4\"> </span>64 100<span class=\"__12 _801\"> </span>45 001<span class=\"__12 _777\"> </span>Vice vd:<span class=\"__12 _777\"> </span>Jussi Koskinen<span class=\"__12 _878\"> </span>28 578<span class=\"__12 _801\"> </span>21 604<span class=\"__12 _777\"> </span>Koncernledning:<span class=\"__12 _777\"> </span>10 (10) personer exkl. koncernchef<span class=\"__12 _768\"/>en  och vice vd:<span class=\"__12 _879\"> </span>275 483<span class=\"__12 _806\"> </span>227 775<span class=\"__12 _777\"> </span>Summa<span class=\"__12 _880\"> </span>368 161<span class=\"__12 _773\"> </span>294 380<span class=\"__12 _777\"> </span>Tidigare koncernchef:<span class=\"__12 _777\"> </span>Casper von Kosk<span class=\"__12 _768\"/>ull<span class=\"__12 _10f_4\"> </span>20 483<span class=\"__12 _2c_6\"> </span>20 483<span class=\"__12 _777\"> </span>Tidigare Group COO och  st\u00e4llf\u00f6r<span class=\"__12 _768\"/>etr\u00e4dande koncernche<span class=\"__12 _768\"/>f:<span class=\"__12 _777\"> </span>T<span class=\"__12 _a_11\"/>orsten Hagen J\u00f8rgensen <span class=\"__12 _881\"> </span>12 9<span class=\"ls11_10 ws1b_10\">97<span class=\"__12 _3d_6\"> </span></span>12 997<span class=\"__12 _777\"> </span>Summa <span class=\"__12 _ee_5\"> </span>401 641<span class=\"__12 _809\"> </span>327 860<span class=\"__12 _777\"> </span>Pensionsf<span class=\"__12 _768\"/>\u00f6rplik<span class=\"__12 _768\"/>telser<span class=\"__12 _777\"> </span>Pensionsplanerna \u00e4r f<span class=\"__12 _768\"/>onderade, vilket inneb\u00e4r a<span class=\"__12 _768\"/>tt pensions-<span class=\"__12 _777\"> </span>f\u00f6rplik<span class=\"__12 _768\"/>telserna t\u00e4cks a<span class=\"__12 _a_11\"/>v f\u00f6rvaltningstillg\u00e5ngar vars verkliga<span class=\"__12 _777\"> </span> v\u00e4rde i huvudsak mo<span class=\"__12 _768\"/>tsvarar v<span class=\"__12 _768\"/>\u00e4rdet a<span class=\"__12 _768\"/>v f<span class=\"__12 _768\"/>\u00f6rpliktels<span class=\"__12 _768\"/>erna.<span class=\"__12 _777\"> </span>Pensionsf<span class=\"__12 _768\"/>\u00f6rplikt<span class=\"__12 _768\"/>elser (v\u00e4r<span class=\"__12 _768\"/>det av sk<span class=\"__12 _768\"/>ulderna f\u00f6r f<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbe-<span class=\"__12 _777\"> </span>st\u00e4mda pensionsplaner) ber\u00e4knas i enlighet med IAS 19.  F<span class=\"__12 _768\"/>\u00f6r<span class=\"__12 _777\"> </span> ytterligare in<span class=\"__12 _768\"/>forma<span class=\"__12 _768\"/>tion, se not K8.2 \u201dPensioner<span class=\"__12 _b_11\"/>\u201d<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>Kostnaderna f<span class=\"__12 _768\"/>\u00f6r f<span class=\"__12 _768\"/>\u00f6rm\u00e5nsbest\u00e4mda pensionsplaner till<span class=\"__12 _777\"> </span> nyckelpersoner i ledande positioner uppgick 2022 till 0 mn<span class=\"__12 _777\"> </span> euro (0 mn euro<span class=\"__12 _768\"/>).<span class=\"__12 _777\"> </span>Pensionsf<span class=\"__12 _768\"/>\u00f6rplikt<span class=\"__12 _768\"/>elserna i tabellen nedan speglar det ber\u00e4k<span class=\"__12 _768\"/>-<span class=\"__12 _777\"> </span>nade v\u00e4rdet enligt IAS 19 den 31 december 2022 r<span class=\"__12 _768\"/>espektiv<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span> 2021. Minskningen j\u00e4mf<span class=\"__12 _768\"/>\u00f6rt med 2021 beror huvudsakligen p\u00e5<span class=\"__12 _777\"> </span> pensionsutbetalningar till pensionerade ledande bef<span class=\"__12 _768\"/>attnings-<span class=\"__12 _777\"> </span>hav<span class=\"__12 _768\"/>are under \u00e5ret, h\u00f6gre diskon<span class=\"__12 _768\"/>teringsr\u00e4n<span class=\"__12 _768\"/>tor vid v<span class=\"__12 _768\"/>\u00e4rderingen<span class=\"__12 _777\"> </span> av f<span class=\"__12 _768\"/>\u00f6rplik<span class=\"__12 _768\"/>telser vid utg\u00e5ngen a<span class=\"__12 _768\"/>v 2022 och v<span class=\"__12 _768\"/><span class=\"__12 _777\">alutaeff</span><span class=\"__12 _768\"/>ekt<span class=\"__12 _768\"/>er fr\u00e5n<span class=\"__12 _777\"> </span> f\u00f6rplik<span class=\"__12 _768\"/>telser i sv<span class=\"__12 _768\"/>enska kronor<span class=\"__12 _a_11\"/>. Det \ufb01nns inga f\u00f6rplikt<span class=\"__12 _768\"/>elser f<span class=\"__12 _768\"/>\u00f6r<span class=\"__12 _777\"> </span> f\u00f6rm\u00e5nsbes<span class=\"__12 _768\"/>t\u00e4mda pensioner gent<span class=\"__12 _768\"/>emot Nordeas k<span class=\"__12 _768\"/>oncernchef<span class=\"__12 _777\"> </span> eller vice vd.<span class=\"__12 _777\"> </span>Euro<span class=\"__12 _8f_4\"> </span><span class=\"ls0_12 ws0_12\">2022<span class=\"__12 _815\"> </span>2021<span class=\"__12 _777\"> </span></span>Koncernledningen:<span class=\"__12 _777\"> </span>3 (3) individer i Sverige<span class=\"__12 _882\"> </span>756 087<span class=\"__12 _807\"> </span>1 241 536<span class=\"__12 _777\"> </span>Tidigare styrelseor<span class=\"__12 _768\"/>df\u00f6rande, k<span class=\"__12 _768\"/>oncernchef<span class=\"__12 _768\"/>er<span class=\"__12 _777\"> </span> och st\u00e4llf\u00f6r<span class=\"__12 _768\"/>etr\u00e4dande koncernche<span class=\"__12 _768\"/>fer:<span class=\"__12 _777\"> </span>V<span class=\"__12 _768\"/>esa V<span class=\"__12 _768\"/>ainio<span class=\"__12 _777\"> </span>1<span class=\"__12 _777\"> </span>4 105 734<span class=\"__12 _799\"> </span>4 667 760<span class=\"__12 _777\"> </span>Lars G Nordstr\u00f6m<span class=\"__12 _777\"> </span>243 140<span class=\"__12 _4c_4\"> </span>289 220<span class=\"__12 _777\"> </span>Casper von Kosk<span class=\"__12 _768\"/>ull<span class=\"__12 _777\"> </span>338 920<span class=\"__12 _4a_4\"> </span>4<span class=\"__12 _b_11\"/>28 311<span class=\"__12 _777\"> </span>Summa<span class=\"__12 _883\"> </span>5 443 881<span class=\"__12 _777\"> </span>6 626 827<span class=\"__12 _777\"> </span>1) Pensionsf\u00f6rplik<span class=\"__12 _768\"/>telserna h\u00e4rr\u00f6r f<span class=\"__12 _768\"/>r\u00e4mst fr<span class=\"__12 _768\"/>\u00e5n f\u00f6rm\u00e5nsbest\u00e4mda pensionsr<span class=\"__12 _768\"/>\u00e4tter intj\u00e4<span class=\"__12 _768\"/>-<span class=\"__12 _777\"> </span>nade i, och \ufb01nansierade av<span class=\"__12 _a_11\"/>, de banker som bildat Nordea.<span class=\"__12 _777\"> </span> Upps\u00e4gningstid och a<span class=\"__12 _768\"/>vg\u00e5ngsvederlag<span class=\"__12 _777\"> </span>I enlighet med tj\u00e4nstg\u00f6ringsvillkor<span class=\"__12 _768\"/>en har koncernchef<span class=\"__12 _768\"/>en en<span class=\"__12 _777\"> </span> upps\u00e4gningstid p\u00e5 12 m\u00e5nader och Nordea en upps\u00e4gnings-<span class=\"__12 _777\"> </span>tid p\u00e5 12 m\u00e5nader<span class=\"__12 _a_11\"/>. Koncernchefen har ett a<span class=\"__12 _768\"/>vg\u00e5ngsv<span class=\"__12 _768\"/>ederlag<span class=\"__12 _777\"> </span> p\u00e5 12 m\u00e5nadsl\u00f6ner<span class=\"__12 _a_11\"/>, vilket minskas av l\u00f6n fr<span class=\"__12 _768\"/>\u00e5n even<span class=\"__12 _768\"/>tuell annan<span class=\"__12 _777\"> </span> anst\u00e4llning under dessa 12 m\u00e5nader<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>Vice vd och tio medlemmar i konc<span class=\"__12 _768\"/>ernledningen har en<span class=\"__12 _777\"> </span> upps\u00e4gningstid p\u00e5 6 m\u00e5nader och Nordea en upps\u00e4gnings<span class=\"__12 _768\"/>tid<span class=\"__12 _777\"> </span> p\u00e5 12 m\u00e5nader<span class=\"__12 _a_11\"/>. Ett avg\u00e5ngsvederlag p\u00e5 12 m\u00e5nader l\u00e4mnas,<span class=\"__12 _777\"> </span> vilket minskas a<span class=\"__12 _768\"/>v l\u00f6n fr\u00e5n e<span class=\"__12 _768\"/>ven<span class=\"__12 _768\"/>tuell annan anst\u00e4llning under<span class=\"__12 _777\"> </span> dessa 12 m\u00e5nader<span class=\"__12 _a_11\"/>. Vidare till\u00e4mpas konkurrensklausuler<span class=\"__12 _a_11\"/>. Inga<span class=\"__12 _777\"> </span> \u00e5taganden om a<span class=\"__12 _768\"/>vg\u00e5ngsv<span class=\"__12 _768\"/>ederlag gjordes gent<span class=\"__12 _768\"/>emot medlem-<span class=\"__12 _777\"> </span>marna i koncernledningen under 2021 och 2022.<span class=\"__12 _777\"> </span>Betalningar till tidigare medlemmar i koncernl<span class=\"__12 _768\"/>edningen,<span class=\"__12 _777\"> </span> som utg\u00f6rs av l\u00f6n under upps\u00e4gnings<span class=\"__12 _768\"/>tid och tid i konkurr<span class=\"__12 _768\"/>ens-<span class=\"__12 _777\"> </span>relater<span class=\"__12 _768\"/>ad karan<span class=\"__12 _768\"/>t\u00e4n sam<span class=\"__12 _768\"/>t avs\u00e4<span class=\"__12 _768\"/>ttningar f<span class=\"__12 _768\"/>\u00f6r fram<span class=\"__12 _768\"/>tida betalningar<span class=\"__12 _777\"> </span> under konkurrensr<span class=\"__12 _768\"/>elater<span class=\"__12 _768\"/>ad karan<span class=\"__12 _768\"/>t\u00e4n, har kos<span class=\"__12 _768\"/>tnadsf\u00f6rts under<span class=\"__12 _777\"> </span> 2022 men ing\u00e5r inte i ers\u00e4ttnings<span class=\"__12 _768\"/>tabellerna. Dessa betalning-<span class=\"__12 _777\"> </span>ar och avs\u00e4<span class=\"__12 _768\"/>ttningar uppgick till total<span class=\"__12 _768\"/>t 1 271 790 euro.<span class=\"__12 _777\"> </span>Skadeers\u00e4ttning<span class=\"__12 _777\"> </span>Nordea Bank Abp har \u00e5<span class=\"__12 _768\"/>tagit sig att ers\u00e4tt<span class=\"__12 _768\"/>a medlemmarna i<span class=\"__12 _777\"> </span> koncernledningen f<span class=\"__12 _768\"/>\u00f6r utgifter i samband med juridisk r<span class=\"__12 _768\"/>\u00e5dgiv-<span class=\"__12 _777\"> </span>ning f\u00f6r a<span class=\"__12 _768\"/>tt f\u00f6rsvar<span class=\"__12 _768\"/>a sig emot eller bes<span class=\"__12 _768\"/>trida vissa st\u00e4mningar<span class=\"__12 _777\"> </span> eller utredningar fr<span class=\"__12 _768\"/>\u00e5n tredje part, dock med undantag f\u00f6r<span class=\"__12 _777\"> </span> brott eller handlingar som beg\u00e5<span class=\"__12 _768\"/>tts upps\u00e5tligen eller a<span class=\"__12 _768\"/>v gro<span class=\"__12 _768\"/>v<span class=\"__12 _777\"> </span> oaktsamhet. Ers\u00e4ttningen f\u00f6r r<span class=\"__12 _768\"/>espektiv<span class=\"__12 _768\"/>e medlem i koncern-<span class=\"__12 _777\"> </span>ledningen kan som h\u00f6gst uppg\u00e5 till 37<span class=\"__12 _a_11\"/>,5 mn euro, s\u00e5<span class=\"__12 _768\"/>vida in<span class=\"__12 _768\"/>te<span class=\"__12 _777\"> </span>styrelsen f<span class=\"__12 _768\"/>r\u00e5n f<span class=\"__12 _768\"/>all till fall besl<span class=\"__12 _768\"/>utar annat. Nordea k\u00f6per<span class=\"__12 _777\"> </span> ansvarsf\u00f6rs\u00e4kring f<span class=\"__12 _768\"/>\u00f6r ledande bef<span class=\"__12 _768\"/>attningsha<span class=\"__12 _768\"/>vare s<span class=\"__12 _768\"/>om t\u00e4cker<span class=\"__12 _777\"> </span> styrelsens och ledningens personliga ansv<span class=\"__12 _768\"/>ar samt det ansv<span class=\"__12 _768\"/>ar<span class=\"__12 _777\"> </span> som banken har till f<span class=\"__12 _768\"/>\u00f6ljd av sitt \u00e5<span class=\"__12 _768\"/>tagande om gott<span class=\"__12 _768\"/>g\u00f6relse. Vill-<span class=\"__12 _777\"> </span>koren, inklusiv<span class=\"__12 _768\"/>e f\u00f6rs\u00e4kringens to<span class=\"__12 _768\"/>tala ansvarsbegr\u00e4nsning, \u00e4r i<span class=\"__12 _777\"> </span> linje med andra st<span class=\"__12 _768\"/>ora europeiska bank<span class=\"__12 _768\"/>er<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>Den ordinarie bolagsst\u00e4mman besl<span class=\"__12 _768\"/>utade ocks\u00e5 att bolaget<span class=\"__12 _777\"> </span> ska betala eller ers\u00e4tta styr<span class=\"__12 _768\"/>elseledam\u00f6terna f<span class=\"__12 _768\"/>\u00f6r alla kos<span class=\"__12 _768\"/>tna-<span class=\"__12 _777\"> </span>der och utgifter som a<span class=\"__12 _768\"/>vser eller uppst<span class=\"__12 _768\"/>\u00e5r med anledning av<span class=\"__12 _777\"> </span> styrelseuppdr<span class=\"__12 _768\"/>aget, s\u00e5som resor<span class=\"__12 _a_11\"/>, logistik och boende liksom<span class=\"__12 _777\"> </span> kostnader f<span class=\"__12 _768\"/>\u00f6r r\u00e5dgivning, r<span class=\"__12 _768\"/>\u00e4ttshj\u00e4lp och administr<span class=\"__12 _768\"/>ation. K<span class=\"__12 _768\"/>ost-<span class=\"__12 _777\"> </span>naderna f\u00f6r r<span class=\"__12 _768\"/>\u00e4ttshj\u00e4lp kan e<span class=\"__12 _768\"/>xempel<span class=\"__12 _768\"/>vis innef<span class=\"__12 _768\"/>atta advok<span class=\"__12 _768\"/>atkos<span class=\"__12 _768\"/>t-<span class=\"__12 _777\"> </span>nader i samband med anspr\u00e5k som rik<span class=\"__12 _768\"/>tats mo<span class=\"__12 _768\"/>t en styrelsele-<span class=\"__12 _777\"> </span>damot, f\u00f6rutsatt a<span class=\"__12 _768\"/>tt ledamoten in<span class=\"__12 _768\"/>te funnits ansv<span class=\"__12 _768\"/>arig f<span class=\"__12 _768\"/>\u00f6r felak<span class=\"__12 _768\"/>-<span class=\"__12 _777\"> </span>tigt agerande eller gro<span class=\"__12 _768\"/>v oaktsamhet.<span class=\"__12 _777\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEmployeeBenefitsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-696": {
   "value": "K8.2 Pensioner Redovisningsprinciper Avgiftsbest\u00e4mda planer Pensioner som baseras p\u00e5 avgiftsbest\u00e4mda pensionsplaner  medf\u00f6r inte n\u00e5got pensions\u00e5tagande f\u00f6r Nordea. Samtliga  f\u00f6rm\u00e5nsbest\u00e4mda pensionsplaner \u00e4r st\u00e4ngda f\u00f6r nya delta- gare. Dessa erbjuds ist\u00e4llet avgiftsbest\u00e4mda pensionsplaner.  Pensionskostnader f\u00f6r avgiftsbest\u00e4mda pensionsplaner redo- visas som en kostnad i den takt de intj\u00e4nas genom att de  anst\u00e4llda utf\u00f6r tj\u00e4nster \u00e5t f\u00f6retaget och avgifterna f\u00f6r dessa  tj\u00e4nster f\u00f6rfaller till betalning. Betalningen sker normalt i  samband med regelbundna l\u00f6neutbetalningar. Nordea bidrar  ocks\u00e5 till offentliga pensionssystem.  F\u00f6rm\u00e5nsbest\u00e4mda planer IAS 19 s\u00e4kerst\u00e4ller att pensionsf\u00f6rpliktelserna, minskat med  v\u00e4rdet av de f\u00f6rvaltningstillg\u00e5ngar som t\u00e4cker dessa f\u00f6rplik- telser, redovisas i koncernens balansr\u00e4kning. De st\u00f6rre f\u00f6r- m\u00e5nsbest\u00e4mda pensionsplanerna \u00e4r fonderade och t\u00e4cks av  tillg\u00e5ngar i pensionskassor/pensionsstiftelser. Om verkligt  v\u00e4rde p\u00e5 f\u00f6rvaltningstillg\u00e5ngar h\u00e4nf\u00f6rliga till en speci\ufb01k pen- sionsplan \u00e4r l\u00e4gre \u00e4n nuv\u00e4rdet, brutto, av den f\u00f6rm\u00e5nsbe- st\u00e4mda f\u00f6rpliktelsen fastst\u00e4lld enligt \u201dprojected unit credit  method\u201d, redovisas nettobeloppet som en skuld (\u201dPensions- f\u00f6rpliktelser\u201d). I det omv\u00e4nda fallet redovisas nettobeloppet  som en tillg\u00e5ng (\u201dPensionstillg\u00e5ngar\u201d). Icke-fonderade pen- sionsplaner redovisas som \u201dPensionsf\u00f6rpliktelser\u201d.  Nordeas nettof\u00f6rpliktelse f\u00f6r f\u00f6rm\u00e5nsbest\u00e4mda pensions- planer ber\u00e4knas separat f\u00f6r varje plan genom en uppskatt- ning av det ers\u00e4ttningsbelopp som de anst\u00e4llda har intj\u00e4nat  under innevarande period och tidigare perioder i utbyte mot sina tj\u00e4nster. Ers\u00e4ttningsbeloppet diskonteras f\u00f6r att fastst\u00e4lla dess nuv\u00e4rde. Aktuariella ber\u00e4kningar, bland annat \u201dprojected unit credit method\u201d, anv\u00e4nds f\u00f6r att fastst\u00e4lla nuv\u00e4rdet av f\u00f6r- m\u00e5nsbest\u00e4mda f\u00f6rpliktelser och kostnader h\u00e4nf\u00f6rliga till dessa. Ber\u00e4kningarna baseras p\u00e5 ett antal aktuariella och \ufb01nansiella antaganden. Kostnader avseende tj\u00e4nstg\u00f6ring innevarande och tidigare \u00e5r redovisas i resultatr\u00e4kningen f\u00f6r innevarande \u00e5r. Kostnader avseende tj\u00e4nstg\u00f6ring innevaran- de \u00e5r de\ufb01nieras som en \u00f6kning av nuv\u00e4rdet f\u00f6r f\u00f6rm\u00e5nsbe- st\u00e4mda f\u00f6rpliktelser till f\u00f6ljd av anst\u00e4lldas tj\u00e4nstg\u00f6ring under innevarande period. Kostnader avseende tj\u00e4nstg\u00f6ring tidigare \u00e5r de\ufb01nieras som f\u00f6r\u00e4ndringen i nuv\u00e4rdet f\u00f6r f\u00f6rm\u00e5nsbe- st\u00e4mda f\u00f6rpliktelser f\u00f6r anst\u00e4lldas tj\u00e4nstg\u00f6ring under tidigare perioder som utl\u00f6ses av plan\u00e4ndringar eller -reduceringar. F\u00f6rpliktelsens nuv\u00e4rde och eventuella f\u00f6rvaltningstillg\u00e5ng- ars verkliga v\u00e4rde kan p\u00e5verkas av \u00e4ndrade aktuariella anta- ganden (diskonteringsr\u00e4ntor (r\u00e4ntor och kreditspreadar), inflation, l\u00f6ne\u00f6kningar, personaloms\u00e4ttning och livsl\u00e4ngd) och erfarenhetsm\u00e4ssiga avvikelser, inklusive verkligt utfall j\u00e4mf\u00f6rt med antaganden. Dessa omv\u00e4rderingseffekter redovi- sas direkt mot eget kapital via \u00f6vrigt totalresultat. Diskonteringsr\u00e4ntan baseras p\u00e5 f\u00f6retagsobligationer med h\u00f6ga kreditbetyg, d\u00e4r en tillr\u00e4ckligt djup marknad existerar f\u00f6r s\u00e5dana obligationer. S\u00e4kerst\u00e4llda obligationer anses i detta sammanhang vara f\u00f6retagsobligationer. I Sverige, Norge och Danmark baseras diskonteringsr\u00e4ntan p\u00e5 s\u00e4ker- st\u00e4llda obligationer, medan den i Finland och Storbritannien baseras p\u00e5 f\u00f6retagsobligationer. I Sverige, Norge, Finland och Danmark h\u00e4rleds obligationernas kreditspread \u00f6ver swapp- kurvan fr\u00e5n s\u00e4kerst\u00e4llda obligationer eller f\u00f6retagsobligatio- ner med l\u00e4ngre l\u00f6ptid och extrapoleras till samma duration som pensionsf\u00f6rpliktelserna med hj\u00e4lp av relevanta swapp- kurvor. I Storbritannien extrapoleras f\u00f6retagsobligationernas kreditspread mot statsobligationer till samma duration som pensionsf\u00f6rpliktelserna med hj\u00e4lp av statsobligationskurvan. N\u00e4r ber\u00e4kningen resulterar i en nettotillg\u00e5ng begr\u00e4nsas det redovisade v\u00e4rdet p\u00e5 tillg\u00e5ngen till nuv\u00e4rdet av framtida \u00e5terbetalningar fr\u00e5n eller minskade inbetalningar till planen. S\u00e4rskild l\u00f6neskatt och socialf\u00f6rs\u00e4kringsavgifter ber\u00e4knas och redovisas baserat p\u00e5 redovisat netto\u00f6verskott eller net- tounderskott per plan och ing\u00e5r i balansr\u00e4kningen som \u201dPen- sionsf\u00f6rpliktelser\u201d eller \u201dPensionstillg\u00e5ngar\u201d . Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar F\u00f6rpliktelser f\u00f6r f\u00f6rm\u00e5nsbest\u00e4mda pensioner framr\u00e4knas f\u00f6r de st\u00f6rre pensionsplanerna av externa aktuarier med hj\u00e4lp av demogra\ufb01ska antaganden baserade p\u00e5 aktuella befolknings- data. Ber\u00e4kningarna baseras p\u00e5 ett antal aktuariella och \ufb01nansiella parametrar. Uppskattningen av diskonteringsr\u00e4ntan \u00e4r f\u00f6renad med os\u00e4kerhet om huruvida marknaden f\u00f6r f\u00f6retagsobligationer \u00e4r tillr\u00e4ckligt djup och h\u00e5ller h\u00f6g kvalitet. Os\u00e4kerhet \ufb01nns \u00e4ven kring extrapoleringen av r\u00e4ntekurvor f\u00f6r relevanta l\u00f6pti- der. Andra parametrar, s\u00e5som antaganden om l\u00f6ne\u00f6kningar och inflation, baseras p\u00e5 den f\u00f6rv\u00e4ntade l\u00e5ngsiktiga utveck- lingen f\u00f6r dessa parametrar och \u00e4r ocks\u00e5 f\u00f6renade med os\u00e4- kerhet i uppskattningarna. De viktigaste parametrarna som anv\u00e4ndes vid \u00e5rsskiftet redovisas tillsammans med en beskrivning av k\u00e4nsligheten f\u00f6r f\u00f6r\u00e4ndringar i antagandena. F\u00f6rpliktelser f\u00f6r f\u00f6rm\u00e5nsbest\u00e4mda pensioner uppgick vid \u00e5rets slut till 2 910 mn euro (3 801 mn euro). Pensionskostnader F\u00f6retagen inom Nordea har olika pensionsplaner. De utg\u00f6rs av b\u00e5de f\u00f6rm\u00e5nsbest\u00e4mda och avgiftsbest\u00e4mda planer, i enlighet med nationell praxis och de villkor som g\u00e4ller i de l\u00e4nder d\u00e4r Nordea verkar. Mn euro 2022 2021 Avgiftsbest\u00e4mda pensionsplaner -236 -235 F\u00f6rm\u00e5nsbest\u00e4mda pensionsplaner1 -41 -44 Summa -277 -279 1)  Exklusive s\u00e4rskild l\u00f6neskatt i Sverige och socialf\u00f6rs\u00e4kringsavgifter i Norge totalt -10 mn euro (-11 mn euro). Avgiftsbest\u00e4mda pensionsplaner Alla nyanst\u00e4llda har erbjudits avgiftsbest\u00e4mda pensionspla- ner sedan 2013, n\u00e4r den f\u00f6rm\u00e5nsbest\u00e4mda pensionsplanen i Sverige st\u00e4ngdes f\u00f6r nya deltagare. Avgiftsbest\u00e4mda pen- sionsplaner f\u00f6ljer kollektivavtalen och best\u00e4mmelserna i res- pektive land. I Norge omfattas Nordea av en kollektivavtalad pensions- plan som g\u00e4ller f\u00f6r flera arbetsgivare i den privata sektorn (AFP). Planen ger ber\u00f6rda medarbetare ett livsl\u00e5ngt till\u00e4gg till den normala pensionen. Eftersom uppgifter saknas om Nordeas andel av skulderna/tillg\u00e5ngarna och pensionskost- naderna i planen, redovisas AFP som en avgiftsbest\u00e4md pen- sionsplan i enlighet med IAS 19. AFP \ufb01nansieras genom en \u00e5rspremie som f\u00f6r 2022 motsva- rade 2,6 procent av medarbetarnas l\u00f6n mellan 1 och 7,1 g\u00e5ng- er det norska basbeloppet f\u00f6r sociala avgifter. Premien f\u00f6r 2022 uppgick till 3 mn euro (3 mn euro). F\u00f6rm\u00e5nsbest\u00e4mda pensionsplaner Planerna sk\u00f6ts i enlighet med nationella lagkrav, kollektivav- tal och nationell praxis. De grundas alla p\u00e5 slutl\u00f6n och tj\u00e4ns- te\u00e5r och ger pensionsf\u00f6rm\u00e5ner ut\u00f6ver lagstadgade system. I Sverige \u00e4r det 2 842 (3 087) medarbetare vars huvudsak- liga pension intj\u00e4nas i form av f\u00f6rm\u00e5nsbest\u00e4mda pensionsr\u00e4t- ter. I Finland \u00e4r det 1 273 (1 359) medarbetare som tj\u00e4nar in f\u00f6rm\u00e5nsbest\u00e4mda pensionsr\u00e4tter som komplement till den lagstadgade pensionsplanen (TyEL). I Norge \u00e4r det 271 (297) medarbetare vars huvudsakliga pension intj\u00e4nas i form av f\u00f6rm\u00e5nsbest\u00e4mda pensionsr\u00e4tter och 1 308 (1 231) medarbe- tare har r\u00e4tt till pensionsplaner f\u00f6r l\u00f6n som \u00f6verstiger tolv basbelopp f\u00f6r sociala avgifter eller kompensation fr\u00e5n de st\u00e4ngda f\u00f6rm\u00e5nsbest\u00e4mda pensionsplanerna 2017. F\u00f6rm\u00e5nsbest\u00e4mda pensionstillg\u00e5ngar och -skulder Mn euro 31 dec 2022 31 dec 2021 Pensionsplaner med nettotillg\u00e5ngar 165 221 Pensionsplaner med nettoskulder 298 369 Nettoskuld(-)/-tillg\u00e5ng(+) -133 -148 Skulderna t\u00e4cks normalt av tillg\u00e5ngar i s\u00e4rskilda pensionskassor/-stiftelser eller av kreditf\u00f6rs\u00e4kringsavtal (endast Sverige). Pensionskassor och pensionsstiftelser inne- har b\u00e5de tillg\u00e5ngarna och pensionsf\u00f6rpliktelserna, f\u00f6rutom i Sverige d\u00e4r pensionsstiftelsen fungerar som s\u00e4kerhet f\u00f6r Nordeas pensionsf\u00f6rpliktelser.  L\u00e4gsta fonderingskrav varierar f\u00f6r de olika pensionskas- sorna/pensionsstiftelserna beroende p\u00e5 nationella lagkrav. I allm\u00e4nhet \u00e4r fonderingskravet att pensionsf\u00f6rpliktelserna, ber\u00e4knade enligt nationella krav, ska vara helt t\u00e4ckta av ett \u00f6rde\ufb01nierat \u00f6verskott. Andra pensionsplaner omfattas inte av fonderingskrav och \u00e4r vanligtvis ofonderade. Respektive Nordeaf\u00f6retag som erbjuder f\u00f6rm\u00e5nsbest\u00e4mda pensionspla- ner fungerar som uppdragsgivande f\u00f6retag, i enlighet med EU:s IORP II-direktiv. F\u00f6rm\u00e5nsbest\u00e4mda planer p\u00e5verkar Nordea genom f\u00f6r\u00e4nd- ringar i nuv\u00e4rdet av nettof\u00f6rpliktelserna och/eller f\u00f6r\u00e4ndring- ar i marknadsv\u00e4rdet p\u00e5 f\u00f6rvaltningstillg\u00e5ngarna. Pensionsber\u00e4kningar och antaganden enligt IAS 19 Ber\u00e4kningar f\u00f6r st\u00f6rre planer utf\u00f6rs av externa aktuarier och baseras p\u00e5 aktuariella antaganden, som speglar f\u00f6rv\u00e4ntning- arna p\u00e5 l\u00e5ng sikt. Antaganden1 SE NO FI DK GB 2022 Diskonterings- r\u00e4nta 3,28 % 3,40 % 2,95 % 3,20 % 4,68 % L\u00f6ne\u00f6kning 3,00 % 3,50 % 3,10 % 2,25 % \u2013 Inflation 2,00 % 2,00 % 2,60 % \u20132 3,50 % D\u00f6dlighet DUS21 K2013BE Gompertz FSA S3PMA_L/ S3PFA_M 3 2021 Diskonterings- r\u00e4nta 1,44 % 1,96 % 0,65 % 1,05 % 1,53 % L\u00f6ne\u00f6kning 3,00 % 2,25 % 2,25 % 2,25 % \u2013 Inflation 2,00 % 1,50 % 1,75 % \u20132 3,00 % D\u00f6dlighet DUS14 K2013BE Gompertz FSA S3PMA_L/ S3PFA_M 3 1)   Antagandena som anges f\u00f6r 2022 har en inverkan p\u00e5 skuldber\u00e4kningen vid slutet av 2022, medan antagandena som anges f\u00f6r 2021 anv\u00e4nds f\u00f6r ber\u00e4kning av pensions- kostnaden 2022. 2)   Alla pensioner i Danmark \u00e4r l\u00f6neindexerade. Inflationen har d\u00e4rav ingen inverkan p\u00e5 pensionsf\u00f6rpliktelsen. 3)   Baserat p\u00e5 de grundtabeller och den modell f\u00f6r f\u00f6rv\u00e4ntad livsl\u00e4ngd som publicerats av Continuous Mortality Investigation (CMI), d\u00e4r CMI:s prognoser f\u00f6r 2021 har anv\u00e4nts i ber\u00e4kningen f\u00f6r 2022, 2020-prognoserna f\u00f6r 2021. K\u00e4nsligheter \u2013 inverkan p\u00e5 pensionsf\u00f6rpliktelse % SE NO FI DK GB Diskonteringsr\u00e4nta - \u00f6kning 50 pkt -8,8 % -7,0 % -5,3 % -4,0 % -6,8 % Diskonteringsr\u00e4nta - minskning 50 pkt 9,3 % 7,7 % 5,9 % 4,3 % 7,6 % L\u00f6ne\u00f6kning  - \u00f6kning 50 pkt 1,6 % 0,2 % 0,2 % 4,9 % \u2013 L\u00f6ne\u00f6kning  - minskning 50 pkt -1,8 % -0,2 % -0,2 % -4,6 % \u2013 Inflation  - \u00f6kning 50 pkt 9,0 % 7,8 % 4,3 % \u2013 1,6 % Inflation  - minskning 50 pkt -8,5 % -7,1 % -4,0 % \u2013 -1,5 % D\u00f6dlighet  - \u00f6kning 1 \u00e5r 4,2 % 3,3 % 4,5 % 5,7 % 3,3 % D\u00f6dlighet  - minskning 1 \u00e5r -4,7 % -4,8 % -4,4 % -5,6 % -3,3 % K\u00e4nslighetsanalysen utf\u00f6rs genom att ett aktuariellt antagande \u00e4ndras medan de andra antagandena h\u00e5lls of\u00f6r\u00e4ndrade. Detta \u00e4r en f\u00f6renklad princip eftersom de aktuariella antagandena vanligtvis \u00e4r korrelerade. Dock m\u00f6jligg\u00f6r den att man kan iso- lera en effekt fr\u00e5n en annan. Metoden som anv\u00e4nts f\u00f6r att ber\u00e4kna effekten p\u00e5 pensionsf\u00f6rpliktelsen \u00e4r densamma som den som anv\u00e4nts f\u00f6r ber\u00e4kning av den redovisade pensionsf\u00f6r- pliktelsen. K\u00e4nslighetsanalysen inkluderar effekten av skulder f\u00f6r framtida l\u00f6neskatt i Sverige och socialf\u00f6rs\u00e4kringsavgifter i Norge. Pensionsskulder/-tillg\u00e5ngar, netto Mn euro SE 2022 NO 2022 FI 2022 DK 2022 GB 2022 Summa 2022 Summa 2021 Pensionsf\u00f6rpliktelser 1 454 719 609 69 59 2 910 3 801 F\u00f6rvaltningstillg\u00e5ngar 1 335 625 650 90 77 2 777 3 653 Nettoskuld(-)/-tillg\u00e5ng (+) -119 -94 41 21 18 -133 -148 - varav planer med nettotillg\u00e5ngar 2 77 45 23 18 165 221 - varav planer med nettoskulder 121 171 4 2 \u2013 298 369 F\u00f6r\u00e4ndringar i f\u00f6rpliktelserna 2022, mn euro SE NO FI DK GB Summa Ing\u00e5ende balans 2 033 830 744 88 106 3 801 Kostnader avseende tj\u00e4nstg\u00f6ring under innevarande \u00e5r 29 6 2 \u2013 \u2013 37 R\u00e4ntekostnader 28 15 5 1 2 51 Utbetalda pensioner -69 -32 -38 -5 -5 -149 Kostnader avseende tj\u00e4nstg\u00f6ring tidigare \u00e5r samt regleringar 1 \u2013 0 \u2013 \u2013 1 Omv\u00e4rdering fr\u00e5n f\u00f6r\u00e4ndringar i demogra\ufb01ska antaganden 8 \u2013 \u2013 -1 0 7 Omv\u00e4rdering fr\u00e5n f\u00f6r\u00e4ndringar i \ufb01nansiella antaganden -558 -81 -129 -15 -41 -824 Omv\u00e4rdering fr\u00e5n erfarenhetsbaserade justeringar 123 19 25 1 1 169 Omr\u00e4kningsdifferenser -132 -36 \u2013 0 -4 -172 F\u00f6r\u00e4ndring av avs\u00e4ttning f\u00f6r s\u00e4rskild l\u00f6neskatt och socialf\u00f6rs\u00e4kringsavgifter1 -9 -2 \u2013 \u2013 \u2013 -11 Utg\u00e5ende balans 1 454 719 609 69 59 2 910 - varav h\u00e4nf\u00f6rlig till aktiva deltagare 20 % 11 % 10 % \u2013 \u2013 15 % 2021, mn euro SE NO FI DK GB Summa Ing\u00e5ende balans 2 058 796 806 103 108 3 871 Kostnader avseende tj\u00e4nstg\u00f6ring under innevarande \u00e5r 32 4 3 \u2013 \u2013 39 R\u00e4ntekostnader 22 14 1 0 1 38 Utbetalda pensioner -71 -30 -41 -5 -7 -154 Kostnader avseende tj\u00e4nstg\u00f6ring tidigare \u00e5r samt regleringar 1 \u2013 0 0 \u2013 1 Omv\u00e4rdering fr\u00e5n f\u00f6r\u00e4ndringar i demogra\ufb01ska antaganden \u2013 \u2013 0 0 -1 -1 Omv\u00e4rdering fr\u00e5n f\u00f6r\u00e4ndringar i \ufb01nansiella antaganden 52 -14 -13 -7 -4 14 Omv\u00e4rdering fr\u00e5n erfarenhetsbaserade justeringar -5 23 -12 -3 1 4 F\u00f6rv\u00e4rv/omklassi\ufb01ceringar \u2013 3 \u2013 \u2013 \u2013 3 Omr\u00e4kningsdifferenser -54 36 \u2013 0 8 -10 F\u00f6r\u00e4ndring av avs\u00e4ttning f\u00f6r s\u00e4rskild l\u00f6neskatt och socialf\u00f6rs\u00e4kringsavgifter1 -2 -2 \u2013 \u2013 \u2013 -4 Utg\u00e5ende balans 2 033 830 744 88 106 3 801 - varav h\u00e4nf\u00f6rlig till aktiva deltagare 26 % 12 % 13 % \u2013 \u2013 19 % 1)  Avser f\u00f6r\u00e4ndring i avs\u00e4ttning f\u00f6r s\u00e4rskild l\u00f6neskatt i Sverige och socialf\u00f6rs\u00e4kringsavgifter i Norge. F\u00f6rpliktelsernas genomsnittliga l\u00f6ptid \u00e4r 15 (18) \u00e5r i Sverige, 13 (14) \u00e5r i Norge, 11 (13) \u00e5r i Finland, 9 (11) \u00e5r i Danmark och 15 (20) \u00e5r i Storbritannien, baserat p\u00e5 diskonterade kassafl\u00f6- den. Det faktum att alla f\u00f6rm\u00e5nsbest\u00e4mda pensionsplaner \u00e4r st\u00e4ngda f\u00f6r nya deltagare ger en l\u00e4gre duration. F\u00f6r 2022 har \u00e4ven det h\u00f6gre r\u00e4ntel\u00e4get resulterat i en l\u00e4gre duration F\u00f6r\u00e4ndringar i f\u00f6rvaltningstillg\u00e5ngarnas verkliga v\u00e4rde 2022, mn euro SE NO FI DK GB Summa Ing\u00e5ende balans 1 858 723 823 112 137 3 653 R\u00e4nteint\u00e4kter (ber\u00e4knade med diskonteringsr\u00e4ntan) 26 14 5 1 2 48 Utbetalda pensioner \u2013 -24 -39 -5 -5 -73 Tillskott/gottg\u00f6relse av/till arbetsgivare 1 2 -6 1 \u2013 -2 Omv\u00e4rdering (faktisk avkastning minus r\u00e4nteint\u00e4kter) -429 -57 -133 -19 -51 -689 Omr\u00e4kningsdifferenser -121 -33 \u2013 0 -6 -160 Utg\u00e5ende balans 1 335 625 650 90 77 2 777 2021, mn euro SE NO FI DK GB Summa Ing\u00e5ende balans 1 867 679 847 127 130 3 650 R\u00e4nteint\u00e4kter (ber\u00e4knade med diskonteringsr\u00e4ntan) 19 12 1 0 2 34 Utbetalda pensioner \u2013 -23 -41 -5 -7 -76 Tillskott/gottg\u00f6relse av/till arbetsgivare 1 3 -21 0 \u2013 -17 Omv\u00e4rdering (faktisk avkastning minus r\u00e4nteint\u00e4kter) 21 20 37 -10 2 70 Omr\u00e4kningsdifferenser -50 32 \u2013 0 10 -8 Utg\u00e5ende balans 1 858 723 823 112 137 3 653 Tillg\u00e5ngsf\u00f6rdelning Tillg\u00e5ngarna investeras i diversi\ufb01erade portf\u00f6ljer enligt nedan, med innehav i obligationer som begr\u00e4nsar r\u00e4nterisken i f\u00f6rpliktelserna och en rimlig andel realtillg\u00e5ngar (inflations- skyddade) f\u00f6r att minska den l\u00e5ngsiktiga inflationsrisken i skulderna.   Under 2022 var den sammanlagda avkastningen p\u00e5 till- g\u00e5ngarna -17,5 procent (2,9 procent). Den negativa avkast- ningen h\u00e4rr\u00f6rde fr\u00e4mst fr\u00e5n betydande kursnedg\u00e5ngar f\u00f6r aktier och en samtidig kursnedg\u00e5ng f\u00f6r nominella r\u00e4ntepap- per och r\u00e4ntes\u00e4kringsinstrument. Vid \u00e5rets slut utgjorde aktieinnehaven 21 procent (19 pro- cent) av tillg\u00e5ngarna i Nordeas pensionskassor/-stiftelser. Koncernen r\u00e4knar med att betala 2 mn euro till sina f\u00f6rm\u00e5ns- best\u00e4mda pensionsplaner under 2023. Tillg\u00e5ngsf\u00f6rdelning i fonderade planer % SE 2022 NO 2022 FI 2022 DK 2022 GB 2022 Summa 2022  Summa 2021 Obligationer  87 % 68 % 59 % 67 % 87 % 75 % 70 % - statsobligationer 36 % 39 % 29 % 30 % 87 % 36 % 37 % - s\u00e4kerst\u00e4llda obligationer 34 % 23 % 9 % 37 % \u2013 25 % 19 % - f\u00f6retagsobligationer 17 % 6 % 21 % \u2013 \u2013 14 % 14 % - utgivna av Nordeabolag 3 % 3 % \u2013 \u2013 \u2013 2 % 2 % -  med publicerade prisnoteringar p\u00e5 en aktiv marknad 87 % 68 % 59 % 67 % 87 % 75 % 70 % Aktier 25 % 16 % 17 % 10 % 13 % 21 % 19 % - inhemska 5 % 5 % 4 % 10 % 4 % 5 % 5 % - europeiska 3 % 5 % 5 % \u2013 1 % 4 % 4 % - amerikanska 5 % 6 % 4 % \u2013 6 % 5 % 5 % - tillv\u00e4xtmarknader 5 % \u2013 4 % \u2013 2 % 3 % 3 % - riskkapital 7 % \u2013 \u2013 \u2013 \u2013 4 % 2 % - Nordeaaktier \u2013 \u2013 \u2013 \u2013 \u2013 0 % 0 % -  med publicerade prisnoteringar p\u00e5 en aktiv marknad 18 % 16 % 17 % 10 % 13 % 17 % 17 % Fastigheter1 \u2013 16 % 21 % \u2013 \u2013 8 % 7 % - nyttjade av Nordea \u2013 \u2013 6 % \u2013 \u2013 1 % 1 % R\u00e4nteswappar -13 % -1 % \u2013 \u2013 \u2013 -6 % 0 % F\u00f6rs\u00e4kringskontrakt \u2013 \u2013 1 % 6 % \u2013 1 % 1 % Likvida medel 1 % 1 % 2 % 17 % 0 % 1 % 3 % 1)  Fastigheternas geogra\ufb01ska l\u00e4ge \u00e4r kopplat till pensionsplanerna i respektive land Redovisat i resultatr\u00e4kningen 2022, mn euro SE NO FI DK GB Summa Kostnader avseende tj\u00e4nstg\u00f6ring under innevarande \u00e5r1 29 6 2 \u2013 \u2013 37 R\u00e4ntenetto 2 1 0 0 0 3 Kostnader avseende tj\u00e4nstg\u00f6ring tidigare \u00e5r samt regleringar 1 \u2013 0 \u2013 \u2013 1 S\u00e4rskild l\u00f6neskatt och socialf\u00f6rs\u00e4kringsavgifter2 9 1 \u2013 \u2013 \u2013 10 Kostnader f\u00f6r f\u00f6rm\u00e5nsbest\u00e4mda pensionsplaner (kostnader+, int\u00e4kter-) 41 8 2 0 0 51 2021, mn euro SE NO FI DK GB Summa Kostnader avseende tj\u00e4nstg\u00f6ring under innevarande \u00e5r1 32 4 3 \u2013 \u2013 39 R\u00e4ntenetto 3 2 0 0 -1 4 Kostnader avseende tj\u00e4nstg\u00f6ring tidigare \u00e5r samt regleringar 1 \u2013 0 \u2013 \u2013 1 S\u00e4rskild l\u00f6neskatt och socialf\u00f6rs\u00e4kringsavgifter2 10 1 \u2013 \u2013 \u2013 11 Kostnader f\u00f6r f\u00f6rm\u00e5nsbest\u00e4mda pensionsplaner (kostnader+, int\u00e4kter-) 46 7 3 0 -1 55 1) Kostnader avseende tj\u00e4nstg\u00f6ring under innevarande \u00e5r inkluderar 4 mn euro (2 mn euro) f\u00f6r f\u00f6r ytterligare pensionsplaner i Norge. 2) Kostnader h\u00e4nf\u00f6rliga till s\u00e4rskild l\u00f6neskatt i Sverige och socialf\u00f6rs\u00e4kringsavgifter i Norge. Redovisat i \u00f6vrigt totalresultat 2022, mn euro SE NO FI DK GB Summa Omv\u00e4rdering fr\u00e5n f\u00f6r\u00e4ndringar i demogra\ufb01ska antaganden 8 \u2013 \u2013 -1 0 7 Omv\u00e4rdering fr\u00e5n f\u00f6r\u00e4ndringar i \ufb01nansiella antaganden -558 -81 -129 -15 -41 -824 Omv\u00e4rdering fr\u00e5n erfarenhetsbaserade justeringar 123 19 25 1 1 169 Omv\u00e4rdering av f\u00f6rvaltningstillg\u00e5ngar (faktisk avkastning minus r\u00e4nteint\u00e4kter) 429 57 133 19 51 689 S\u00e4rskild l\u00f6neskatt/socialf\u00f6rs\u00e4kringsavgifter1 0 -1 \u2013 \u2013 \u2013 -1 Kostnader f\u00f6r f\u00f6rm\u00e5nsbest\u00e4mda pensionsplaner (kostnader+, int\u00e4kter-) 2 -6 29 4 11 40 2021, mn euro SE NO FI DK GB Summa Omv\u00e4rdering fr\u00e5n f\u00f6r\u00e4ndringar i demogra\ufb01ska antaganden \u2013 \u2013 0 0 -1 -1 Omv\u00e4rdering fr\u00e5n f\u00f6r\u00e4ndringar i \ufb01nansiella antaganden 52 -14 -13 -7 -4 14 Omv\u00e4rdering fr\u00e5n erfarenhetsbaserade justeringar -5 23 -12 -3 1 4 Omv\u00e4rdering av f\u00f6rvaltningstillg\u00e5ngar (faktisk avkastning minus r\u00e4nteint\u00e4kter) -21 -20 -37 10 -2 -70 S\u00e4rskild l\u00f6neskatt/socialf\u00f6rs\u00e4kringsavgifter1 6 -2 \u2013 \u2013 \u2013 4 Kostnader f\u00f6r f\u00f6rm\u00e5nsbest\u00e4mda pensionsplaner (kostnader+, int\u00e4kter-) 32 -13 -62 0 -6 -49 1)  Kostnader h\u00e4nf\u00f6rliga till s\u00e4rskild l\u00f6neskatt i Sverige och socialf\u00f6rs\u00e4kringsavgifter i Norge. Kostnader f\u00f6r f\u00f6rm\u00e5nsbest\u00e4mda pensionsplaner \u00c5rets pensionskostnad, netto, h\u00e4nf\u00f6rlig till f\u00f6rm\u00e5nsbest\u00e4mda pensionsplaner, uppgick i koncernens resultatr\u00e4kning (inklu- derad i personalkostnader) till 51 mn euro (55 mn euro). Tota- la pensionskostnader utg\u00f6rs av kostnader f\u00f6r f\u00f6rm\u00e5nsbe- st\u00e4mda pensioner liksom kostnader f\u00f6r avgiftsbest\u00e4mda pen- sioner (se speci\ufb01kation i tabellen \u201dPersonalkostnader\u201d). \u00c5rets kostnad f\u00f6r f\u00f6rm\u00e5nsbest\u00e4mda pensionsplaner, exklu- sive kostnader avseende tj\u00e4nstg\u00f6ring tidigare \u00e5r med tillh\u00f6- rande s\u00e4rskild l\u00f6neskatt och socialf\u00f6rs\u00e4kringsavgift, var i huvudsak of\u00f6r\u00e4ndrad j\u00e4mf\u00f6rt med 2021. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDefinedBenefitPlansExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-700": {
   "value": "K8.1  Fast och r\u00f6rlig l\u00f6n Redovisningsprinciper Kortfristiga ers\u00e4ttningar till anst\u00e4llda Kortfristiga ers\u00e4ttningar till anst\u00e4llda best\u00e5r fr\u00e4mst av fast  och r\u00f6rlig l\u00f6n. B\u00e5de fast och r\u00f6rlig l\u00f6n kostnadsf\u00f6rs i den peri- od d\u00e5 de anst\u00e4llda utf\u00f6r tj\u00e4nster f\u00f6r Nordea. Avg\u00e5ngsvederlag Avg\u00e5ngsvederlag blir normalt aktuellt n\u00e4r en anst\u00e4llning  avslutas f\u00f6re pensionsdagen eller om en anst\u00e4lld accepterar  ett erbjudande om frivillig avg\u00e5ng. Avg\u00e5ngsvederlag kostnadsf\u00f6rs n\u00e4r Nordea har en skyldig- het att g\u00f6ra betalningen. En skyldighet uppst\u00e5r n\u00e4r en formell  plan har beslutats p\u00e5 l\u00e4mplig organisatorisk niv\u00e5 och n\u00e4r det  inte \ufb01nns en realistisk m\u00f6jlighet f\u00f6r Nordea att dra sig ur, vilket  normalt anses uppfyllt n\u00e4r planen har kommunicerats till  ber\u00f6rda medarbetare eller deras representanter.  Avg\u00e5ngsvederlag kan innefatta b\u00e5de kortfristiga ers\u00e4ttning- ar, till exempel ett antal m\u00e5nadsl\u00f6ner, och ers\u00e4ttningar efter  avslutad anst\u00e4llning, normalt i form av f\u00f6rtidspensionering K8.2 Pensioner Redovisningsprinciper Avgiftsbest\u00e4mda planer Pensioner som baseras p\u00e5 avgiftsbest\u00e4mda pensionsplaner  medf\u00f6r inte n\u00e5got pensions\u00e5tagande f\u00f6r Nordea. Samtliga  f\u00f6rm\u00e5nsbest\u00e4mda pensionsplaner \u00e4r st\u00e4ngda f\u00f6r nya delta- gare. Dessa erbjuds ist\u00e4llet avgiftsbest\u00e4mda pensionsplaner.  Pensionskostnader f\u00f6r avgiftsbest\u00e4mda pensionsplaner redo- visas som en kostnad i den takt de intj\u00e4nas genom att de  anst\u00e4llda utf\u00f6r tj\u00e4nster \u00e5t f\u00f6retaget och avgifterna f\u00f6r dessa  tj\u00e4nster f\u00f6rfaller till betalning. Betalningen sker normalt i  samband med regelbundna l\u00f6neutbetalningar. Nordea bidrar  ocks\u00e5 till offentliga pensionssystem.  F\u00f6rm\u00e5nsbest\u00e4mda planer IAS 19 s\u00e4kerst\u00e4ller att pensionsf\u00f6rpliktelserna, minskat med  v\u00e4rdet av de f\u00f6rvaltningstillg\u00e5ngar som t\u00e4cker dessa f\u00f6rplik- telser, redovisas i koncernens balansr\u00e4kning. De st\u00f6rre f\u00f6r- m\u00e5nsbest\u00e4mda pensionsplanerna \u00e4r fonderade och t\u00e4cks av  tillg\u00e5ngar i pensionskassor/pensionsstiftelser. Om verkligt  v\u00e4rde p\u00e5 f\u00f6rvaltningstillg\u00e5ngar h\u00e4nf\u00f6rliga till en speci\ufb01k pen- sionsplan \u00e4r l\u00e4gre \u00e4n nuv\u00e4rdet, brutto, av den f\u00f6rm\u00e5nsbe- st\u00e4mda f\u00f6rpliktelsen fastst\u00e4lld enligt \u201dprojected unit credit  method\u201d, redovisas nettobeloppet som en skuld (\u201dPensions- f\u00f6rpliktelser\u201d). I det omv\u00e4nda fallet redovisas nettobeloppet  som en tillg\u00e5ng (\u201dPensionstillg\u00e5ngar\u201d). Icke-fonderade pen- sionsplaner redovisas som \u201dPensionsf\u00f6rpliktelser\u201d.  Nordeas nettof\u00f6rpliktelse f\u00f6r f\u00f6rm\u00e5nsbest\u00e4mda pensions- planer ber\u00e4knas separat f\u00f6r varje plan genom en uppskatt- ning av det ers\u00e4ttningsbelopp som de anst\u00e4llda har intj\u00e4nat  under innevarande period och tidigare perioder i utbyte mot sina tj\u00e4nster. Ers\u00e4ttningsbeloppet diskonteras f\u00f6r att fastst\u00e4lla dess nuv\u00e4rde. Aktuariella ber\u00e4kningar, bland annat \u201dprojected unit credit method\u201d, anv\u00e4nds f\u00f6r att fastst\u00e4lla nuv\u00e4rdet av f\u00f6r- m\u00e5nsbest\u00e4mda f\u00f6rpliktelser och kostnader h\u00e4nf\u00f6rliga till dessa. Ber\u00e4kningarna baseras p\u00e5 ett antal aktuariella och \ufb01nansiella antaganden. Kostnader avseende tj\u00e4nstg\u00f6ring innevarande och tidigare \u00e5r redovisas i resultatr\u00e4kningen f\u00f6r innevarande \u00e5r. Kostnader avseende tj\u00e4nstg\u00f6ring innevaran- de \u00e5r de\ufb01nieras som en \u00f6kning av nuv\u00e4rdet f\u00f6r f\u00f6rm\u00e5nsbe- st\u00e4mda f\u00f6rpliktelser till f\u00f6ljd av anst\u00e4lldas tj\u00e4nstg\u00f6ring under innevarande period. Kostnader avseende tj\u00e4nstg\u00f6ring tidigare \u00e5r de\ufb01nieras som f\u00f6r\u00e4ndringen i nuv\u00e4rdet f\u00f6r f\u00f6rm\u00e5nsbe- st\u00e4mda f\u00f6rpliktelser f\u00f6r anst\u00e4lldas tj\u00e4nstg\u00f6ring under tidigare perioder som utl\u00f6ses av plan\u00e4ndringar eller -reduceringar. F\u00f6rpliktelsens nuv\u00e4rde och eventuella f\u00f6rvaltningstillg\u00e5ng- ars verkliga v\u00e4rde kan p\u00e5verkas av \u00e4ndrade aktuariella anta- ganden (diskonteringsr\u00e4ntor (r\u00e4ntor och kreditspreadar), inflation, l\u00f6ne\u00f6kningar, personaloms\u00e4ttning och livsl\u00e4ngd) och erfarenhetsm\u00e4ssiga avvikelser, inklusive verkligt utfall j\u00e4mf\u00f6rt med antaganden. Dessa omv\u00e4rderingseffekter redovi- sas direkt mot eget kapital via \u00f6vrigt totalresultat. Diskonteringsr\u00e4ntan baseras p\u00e5 f\u00f6retagsobligationer med h\u00f6ga kreditbetyg, d\u00e4r en tillr\u00e4ckligt djup marknad existerar f\u00f6r s\u00e5dana obligationer. S\u00e4kerst\u00e4llda obligationer anses i detta sammanhang vara f\u00f6retagsobligationer. I Sverige, Norge och Danmark baseras diskonteringsr\u00e4ntan p\u00e5 s\u00e4ker- st\u00e4llda obligationer, medan den i Finland och Storbritannien baseras p\u00e5 f\u00f6retagsobligationer. I Sverige, Norge, Finland och Danmark h\u00e4rleds obligationernas kreditspread \u00f6ver swapp- kurvan fr\u00e5n s\u00e4kerst\u00e4llda obligationer eller f\u00f6retagsobligatio- ner med l\u00e4ngre l\u00f6ptid och extrapoleras till samma duration som pensionsf\u00f6rpliktelserna med hj\u00e4lp av relevanta swapp- kurvor. I Storbritannien extrapoleras f\u00f6retagsobligationernas kreditspread mot statsobligationer till samma duration som pensionsf\u00f6rpliktelserna med hj\u00e4lp av statsobligationskurvan. N\u00e4r ber\u00e4kningen resulterar i en nettotillg\u00e5ng begr\u00e4nsas det redovisade v\u00e4rdet p\u00e5 tillg\u00e5ngen till nuv\u00e4rdet av framtida \u00e5terbetalningar fr\u00e5n eller minskade inbetalningar till planen. S\u00e4rskild l\u00f6neskatt och socialf\u00f6rs\u00e4kringsavgifter ber\u00e4knas och redovisas baserat p\u00e5 redovisat netto\u00f6verskott eller net- tounderskott per plan och ing\u00e5r i balansr\u00e4kningen som \u201dPen- sionsf\u00f6rpliktelser\u201d eller \u201dPensionstillg\u00e5ngar\u201d K8.3  Aktierelaterade ers\u00e4ttningsprogram Redovisningsprinciper Program som regleras med eget kapital-instrument Aktierelaterad ers\u00e4ttning som regleras med eget kapital- instrument inneb\u00e4r att Nordea anv\u00e4nder sina egna eget kapital- instrument som betalning f\u00f6r erh\u00e5llna varor eller tj\u00e4ns- ter. S\u00e5dana transaktioner redovisas som en personalkostnad och en motsvarande \u00f6kning av eget kapital. Kostnaden v\u00e4rde- ras till det verkligt v\u00e4rdet av erh\u00e5llna varor eller tj\u00e4nster, f\u00f6rut- satt att det verkliga v\u00e4rdet kan uppskattas p\u00e5 ett tillf\u00f6rlitligt s\u00e4tt. Om s\u00e5 inte \u00e4r fallet v\u00e4rderas kostnaden baserat p\u00e5 det verkliga v\u00e4rdet p\u00e5 de eget kapital-instrument som tilldelats, vilket \u00e4r den metod som anv\u00e4nds av Nordea. N\u00e4r Nordea emitterar s\u00e5dana instrument kostnadsf\u00f6rs det verkliga v\u00e4rdet f\u00f6r dessa r\u00e4ttigheter p\u00e5 tilldelningsdagen linj\u00e4rt \u00f6ver intj\u00e4nandeperioden. Det verkliga v\u00e4rdet per r\u00e4ttighet ber\u00e4knas p\u00e5 tilldelningsdagen och omv\u00e4rderas inte d\u00e4refter. Intj\u00e4nandeperioden \u00e4r den period som de anst\u00e4llda m\u00e5ste f\u00f6r- bli i tj\u00e4nst hos Nordea f\u00f6r att kunna utnyttja sina r\u00e4ttigheter. F\u00f6r r\u00e4ttigheter d\u00e4r resultatvillkoren inte \u00e4r marknadsbase- rade kostnadsf\u00f6rs ett belopp motsvarande det verkliga v\u00e4rdet per r\u00e4ttighet p\u00e5 tilldelningsdagen, multiplicerat med den b\u00e4sta uppskattningen av antalet r\u00e4ttigheter som slutligen kommer att intj\u00e4nas, vilket omv\u00e4rderas per varje balansdag. F\u00f6r r\u00e4ttig- heter d\u00e4r resultatvillkoren \u00e4r marknadsbaserade ber\u00e4knas det samlade verkliga v\u00e4rdet som det verkliga v\u00e4rdet per r\u00e4ttighet, multiplicerat med det maximala antalet r\u00e4ttigheter p\u00e5 tilldel- ningsdagen. H\u00e4nsyn tas till marknadsbaserade villkor n\u00e4r det verkliga v\u00e4rdet f\u00f6r aktierna som tilldelas ska ber\u00e4knas. Om alla andra intj\u00e4ningsvillkor (t.ex. servicevillkor) \u00e4r uppfyllda, redovi- sar Nordea en kostnad f\u00f6r tilldelade aktier med marknadsvill- kor under intj\u00e4nandeperioden oavsett om dessa marknadsvill- kor \u00e4r uppfyllda. Sociala avgifter periodiseras ocks\u00e5 \u00f6ver intj\u00e4nandeperio- den. Avs\u00e4ttningen f\u00f6r sociala avgifter omv\u00e4rderas vid varje balansdag f\u00f6r att s\u00e4kerst\u00e4lla att den baseras p\u00e5 r\u00e4ttigheter- nas verkliga v\u00e4rde p\u00e5 balansdagen. Program med kontantreglering Aktie relaterad ers\u00e4ttning med kontantreglering inneb\u00e4r att Nordea f\u00f6rv\u00e4rvar varor eller tj\u00e4nster genom att \u00e5dra sig en f\u00f6rpliktelse att \u00f6verf\u00f6ra kontanter eller andra tillg\u00e5ngar till leverant\u00f6ren av dessa varor eller tj\u00e4nster till ett belopp som baseras p\u00e5 kursen p\u00e5 Nordeas eget kapital-instrument. F\u00f6r aktie relaterad ers\u00e4ttning med kontant reglering v\u00e4rderas de f\u00f6rv\u00e4rvade varorna eller tj\u00e4nsterna och den uppkomna f\u00f6rplik- telsen till det verkliga v\u00e4rdet p\u00e5 skulden. Skulden omv\u00e4rderas till verkligt v\u00e4rde vid rapportperiodens slut, och eventuella f\u00f6r- \u00e4ndringar i verkligt v\u00e4rde redovisas under posten \u201dNettoresul- tat av poster till verkligt v\u00e4rde\u201d i resultatr\u00e4kningen. K8.4   Ers\u00e4ttningar till nyckelpersoner i ledande positioner Redovisningsprinciper F\u00f6r information om redovisningsprinciperna, se not K8.1 \u201dFast och r\u00f6rlig l\u00f6n\u201d, not K8.2 \u201dPensioner\u201d och not K8.3 \u201dAktierelate- rade ers\u00e4ttningsprogram\u201d. F\u00f6r de\ufb01nition av nyckelpersoner i ledande positioner, se not K10.4 \u201dTransaktioner med n\u00e4rst\u00e5ende\u201d.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-701": {
   "value": "Avg\u00e5ngsvederlag Avg\u00e5ngsvederlag blir normalt aktuellt n\u00e4r en anst\u00e4llning  avslutas f\u00f6re pensionsdagen eller om en anst\u00e4lld accepterar  ett erbjudande om frivillig avg\u00e5ng. Avg\u00e5ngsvederlag kostnadsf\u00f6rs n\u00e4r Nordea har en skyldig- het att g\u00f6ra betalningen. En skyldighet uppst\u00e5r n\u00e4r en formell  plan har beslutats p\u00e5 l\u00e4mplig organisatorisk niv\u00e5 och n\u00e4r det  inte \ufb01nns en realistisk m\u00f6jlighet f\u00f6r Nordea att dra sig ur, vilket  normalt anses uppfyllt n\u00e4r planen har kommunicerats till  ber\u00f6rda medarbetare eller deras representanter.  Avg\u00e5ngsvederlag kan innefatta b\u00e5de kortfristiga ers\u00e4ttning- ar, till exempel ett antal m\u00e5nadsl\u00f6ner, och ers\u00e4ttningar efter  avslutad anst\u00e4llning, normalt i form av f\u00f6rtidspensionering .  ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTerminationBenefits",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-704": {
   "value": "K8.3  Aktierelaterade ers\u00e4ttningsprogram Redovisningsprinciper Program som regleras med eget kapital-instrument Aktierelaterad ers\u00e4ttning som regleras med eget kapital- instrument inneb\u00e4r att Nordea anv\u00e4nder sina egna eget kapital- instrument som betalning f\u00f6r erh\u00e5llna varor eller tj\u00e4ns- ter. S\u00e5dana transaktioner redovisas som en personalkostnad och en motsvarande \u00f6kning av eget kapital. Kostnaden v\u00e4rde- ras till det verkligt v\u00e4rdet av erh\u00e5llna varor eller tj\u00e4nster, f\u00f6rut- satt att det verkliga v\u00e4rdet kan uppskattas p\u00e5 ett tillf\u00f6rlitligt s\u00e4tt. Om s\u00e5 inte \u00e4r fallet v\u00e4rderas kostnaden baserat p\u00e5 det verkliga v\u00e4rdet p\u00e5 de eget kapital-instrument som tilldelats, vilket \u00e4r den metod som anv\u00e4nds av Nordea. N\u00e4r Nordea emitterar s\u00e5dana instrument kostnadsf\u00f6rs det verkliga v\u00e4rdet f\u00f6r dessa r\u00e4ttigheter p\u00e5 tilldelningsdagen linj\u00e4rt \u00f6ver intj\u00e4nandeperioden. Det verkliga v\u00e4rdet per r\u00e4ttighet ber\u00e4knas p\u00e5 tilldelningsdagen och omv\u00e4rderas inte d\u00e4refter. Intj\u00e4nandeperioden \u00e4r den period som de anst\u00e4llda m\u00e5ste f\u00f6r- bli i tj\u00e4nst hos Nordea f\u00f6r att kunna utnyttja sina r\u00e4ttigheter. F\u00f6r r\u00e4ttigheter d\u00e4r resultatvillkoren inte \u00e4r marknadsbase- rade kostnadsf\u00f6rs ett belopp motsvarande det verkliga v\u00e4rdet per r\u00e4ttighet p\u00e5 tilldelningsdagen, multiplicerat med den b\u00e4sta uppskattningen av antalet r\u00e4ttigheter som slutligen kommer att intj\u00e4nas, vilket omv\u00e4rderas per varje balansdag. F\u00f6r r\u00e4ttig- heter d\u00e4r resultatvillkoren \u00e4r marknadsbaserade ber\u00e4knas det samlade verkliga v\u00e4rdet som det verkliga v\u00e4rdet per r\u00e4ttighet, multiplicerat med det maximala antalet r\u00e4ttigheter p\u00e5 tilldel- ningsdagen. H\u00e4nsyn tas till marknadsbaserade villkor n\u00e4r det verkliga v\u00e4rdet f\u00f6r aktierna som tilldelas ska ber\u00e4knas. Om alla andra intj\u00e4ningsvillkor (t.ex. servicevillkor) \u00e4r uppfyllda, redovi- sar Nordea en kostnad f\u00f6r tilldelade aktier med marknadsvill- kor under intj\u00e4nandeperioden oavsett om dessa marknadsvill- kor \u00e4r uppfyllda. Sociala avgifter periodiseras ocks\u00e5 \u00f6ver intj\u00e4nandeperio- den. Avs\u00e4ttningen f\u00f6r sociala avgifter omv\u00e4rderas vid varje balansdag f\u00f6r att s\u00e4kerst\u00e4lla att den baseras p\u00e5 r\u00e4ttigheter- nas verkliga v\u00e4rde p\u00e5 balansdagen. Program med kontantreglering Aktie relaterad ers\u00e4ttning med kontantreglering inneb\u00e4r att Nordea f\u00f6rv\u00e4rvar varor eller tj\u00e4nster genom att \u00e5dra sig en f\u00f6rpliktelse att \u00f6verf\u00f6ra kontanter eller andra tillg\u00e5ngar till leverant\u00f6ren av dessa varor eller tj\u00e4nster till ett belopp som baseras p\u00e5 kursen p\u00e5 Nordeas eget kapital-instrument. F\u00f6r aktie relaterad ers\u00e4ttning med kontant reglering v\u00e4rderas de f\u00f6rv\u00e4rvade varorna eller tj\u00e4nsterna och den uppkomna f\u00f6rplik- telsen till det verkliga v\u00e4rdet p\u00e5 skulden. Skulden omv\u00e4rderas till verkligt v\u00e4rde vid rapportperiodens slut, och eventuella f\u00f6r- \u00e4ndringar i verkligt v\u00e4rde redovisas under posten \u201dNettoresul- tat av poster till verkligt v\u00e4rde\u201d i resultatr\u00e4kningen. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSharebasedPaymentTransactionsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-705": {
   "value": "K8.3 <span class=\"__12 _bf_5\"> </span>Aktier<span class=\"__12 _768\"/>ela<span class=\"__12 _768\"/>terade ers\u00e4<span class=\"__12 _768\"/>ttningsprogr<span class=\"__12 _768\"/>am<span class=\"__12 _777\"> </span>Redovisningsprinciper<span class=\"__12 _777\"> </span>Program som r<span class=\"__12 _768\"/>egleras med eget kapital<span class=\"__12 _768\"/>-instrument Aktierela<span class=\"__12 _768\"/>terad ers\u00e4<span class=\"__12 _768\"/>ttning som regleras med eget k<span class=\"__12 _768\"/>apital-<span class=\"__12 _777\"> </span>instrument inneb\u00e4r a<span class=\"__12 _768\"/>tt <span class=\"ws5_11\">Nordea</span> anv<span class=\"__12 _768\"/>\u00e4nder sina egna eget kapital- <span class=\"__12 _c0_5\"/>instrument s<span class=\"__12 _768\"/>om betalning f\u00f6r erh\u00e5llna v<span class=\"__12 _768\"/>aror eller tj\u00e4ns<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>ter<span class=\"__12 _a_11\"/>. S\u00e5dana transaktioner redo<span class=\"__12 _768\"/>visas som en personalkostnad och en motsvar<span class=\"__12 _768\"/>ande \u00f6kning a<span class=\"__12 _768\"/>v eget kapital. Kostnaden v<span class=\"__12 _768\"/>\u00e4rde<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>ras till det verkligt v<span class=\"__12 _768\"/>\u00e4rdet a<span class=\"__12 _768\"/>v erh\u00e5llna varor eller tj\u00e4ns<span class=\"__12 _768\"/>ter<span class=\"__12 _a_11\"/>, f\u00f6rut<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>satt att det v<span class=\"__12 _768\"/>erkliga v\u00e4rdet kan uppska<span class=\"__12 _768\"/>ttas p\u00e5 ett tillf<span class=\"__12 _768\"/>\u00f6rlitligt s\u00e4tt. Om s\u00e5 inte \u00e4r f<span class=\"__12 _768\"/>allet v\u00e4rder<span class=\"__12 _768\"/>as kostnaden bas<span class=\"__12 _768\"/>erat p\u00e5 det verkliga v\u00e4r<span class=\"__12 _768\"/>det p\u00e5 de eget kapital-instrumen<span class=\"__12 _768\"/>t som tilldela<span class=\"__12 _768\"/>ts, vilket \u00e4r den metod som anv<span class=\"__12 _768\"/>\u00e4nds a<span class=\"__12 _768\"/>v <span class=\"ws5_11\">Nordea</span><span class=\"ls0_12\">.<span class=\"__12 _777\"> </span></span>N\u00e4r Nordea<span class=\"ws0_12\"> emitter<span class=\"__12 _768\"/>ar s\u00e5dana instrumen<span class=\"__12 _768\"/>t kostnadsf<span class=\"__12 _768\"/>\u00f6rs det </span>verkliga v\u00e4r<span class=\"__12 _768\"/>det f\u00f6r dessa r<span class=\"__12 _768\"/>\u00e4ttigheter p\u00e5 tilldelnings<span class=\"__12 _768\"/>dagen linj\u00e4rt \u00f6ver in<span class=\"__12 _768\"/>tj\u00e4nandeperioden. Det verkliga v\u00e4r<span class=\"__12 _768\"/>det per r\u00e4<span class=\"__12 _768\"/>ttighet ber\u00e4knas p\u00e5 tilldelningsdagen och omv<span class=\"__12 _768\"/>\u00e4rderas in<span class=\"__12 _768\"/>te d\u00e4r<span class=\"__12 _768\"/>efter<span class=\"__12 _a_11\"/>. Intj\u00e4nandeperioden \u00e4r den period som de ans<span class=\"__12 _768\"/>t\u00e4llda m\u00e5ste f<span class=\"__12 _768\"/>\u00f6r<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>bli i tj\u00e4nst hos <span class=\"ws5_11\">Nordea</span> f<span class=\"__12 _768\"/>\u00f6r att k<span class=\"__12 _768\"/>unna utnyttja sina r\u00e4<span class=\"__12 _768\"/>ttigheter<span class=\"__12 _a_11\"/>. F\u00f6r r<span class=\"__12 _768\"/>\u00e4ttigheter d\u00e4r r<span class=\"__12 _768\"/>esultatvillk<span class=\"__12 _768\"/>oren in<span class=\"__12 _768\"/>te \u00e4r marknadsbase<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>rade kos<span class=\"__12 _768\"/>tnadsf\u00f6rs ett belopp motsv<span class=\"__12 _768\"/>arande det v<span class=\"__12 _768\"/>erkliga v\u00e4rdet per r\u00e4ttighet p\u00e5 tilldelningsdagen, mul<span class=\"__12 _768\"/>tiplicera<span class=\"__12 _768\"/>t med den b\u00e4sta uppskattningen a<span class=\"__12 _768\"/>v ant<span class=\"__12 _768\"/>alet r\u00e4ttighet<span class=\"__12 _768\"/>er som slutligen kommer att intj\u00e4nas, vilk<span class=\"__12 _768\"/>et omv\u00e4r<span class=\"__12 _768\"/>deras per v<span class=\"__12 _768\"/>arje balansdag. F\u00f6r r<span class=\"__12 _768\"/>\u00e4ttig<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>heter d\u00e4r result<span class=\"__12 _768\"/>atvillkoren \u00e4r marknadsbas<span class=\"__12 _768\"/>erade ber\u00e4knas det samlade verkliga v\u00e4r<span class=\"__12 _768\"/>det som det verkliga v\u00e4r<span class=\"__12 _768\"/>det per r\u00e4ttighet, multiplicera<span class=\"__12 _768\"/>t med det maximala ant<span class=\"__12 _768\"/>alet r\u00e4ttighet<span class=\"__12 _768\"/>er p\u00e5 tilldel<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>ningsdagen. H\u00e4nsyn tas till marknadsbaserade villk<span class=\"__12 _768\"/>or n\u00e4r det verkliga v\u00e4r<span class=\"__12 _768\"/>det f\u00f6r ak<span class=\"__12 _768\"/>tierna som tilldelas ska ber<span class=\"__12 _768\"/>\u00e4knas. Om alla andra in<span class=\"__12 _768\"/>tj\u00e4ningsvillkor (t.ex. servicevillkor) \u00e4r upp<span class=\"__12 _768\"/>fyllda, redovi<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>sar Nordea<span class=\"ws0_12\"> en kos<span class=\"__12 _768\"/>tnad f\u00f6r till<span class=\"__12 _768\"/>delade aktier med marknadsvill<span class=\"__12 _768\"/><span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span></span>kor under intj\u00e4nandeperioden oa<span class=\"__12 _a_11\"/>vsett om dessa marknadsvill<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>kor \u00e4r uppfyllda.<span class=\"__12 _777\"> </span>Sociala av<span class=\"__12 _768\"/>gifter periodiseras ocks\u00e5 \u00f6<span class=\"__12 _768\"/>ver in<span class=\"__12 _768\"/>tj\u00e4nandeperio-<span class=\"__12 _777\"> </span>den. A<span class=\"__12 _a_11\"/>vs\u00e4ttningen f\u00f6r sociala a<span class=\"__12 _768\"/>vgift<span class=\"__12 _768\"/>er omv\u00e4r<span class=\"__12 _768\"/>deras vid v<span class=\"__12 _768\"/>arje balansdag f\u00f6r a<span class=\"__12 _768\"/>tt s\u00e4kerst\u00e4lla a<span class=\"__12 _768\"/>tt den baseras p\u00e5 r<span class=\"__12 _768\"/>\u00e4ttigheter-<span class=\"__12 _777\"> </span>nas verkliga v\u00e4r<span class=\"__12 _768\"/>de p\u00e5 balansdagen.<span class=\"__12 _777\"> </span>Program med k<span class=\"__12 _768\"/>ontan<span class=\"__12 _768\"/>treglering<span class=\"__12 _777\"> </span>Aktie rela<span class=\"__12 _768\"/>terad ers\u00e4<span class=\"__12 _768\"/>ttning med kont<span class=\"__12 _768\"/>antreglering inneb\u00e4r a<span class=\"__12 _768\"/>tt Nordea<span class=\"ws0_12\"> f<span class=\"__12 _768\"/>\u00f6rv\u00e4rvar varor eller tj\u00e4nst<span class=\"__12 _768\"/>er genom att \u00e5dra sig en </span>f\u00f6rplik<span class=\"__12 _768\"/>telse a<span class=\"__12 _768\"/>tt \u00f6verf<span class=\"__12 _768\"/>\u00f6ra kon<span class=\"__12 _768\"/>tan<span class=\"__12 _768\"/>ter eller andra tillg\u00e5ngar till leveran<span class=\"__12 _768\"/>t\u00f6r<span class=\"__12 _768\"/>en av dessa v<span class=\"__12 _768\"/>aror eller tj\u00e4ns<span class=\"__12 _768\"/>ter till ett belopp som baseras p\u00e5 kursen p\u00e5 <span class=\"ws13_11\">Nor<span class=\"__12 _768\"/>dea<span class=\"ws0_12\">s eget kapital-instrumen<span class=\"__12 _768\"/>t. F\u00f6r </span></span>aktie rela<span class=\"__12 _768\"/>terad ers\u00e4<span class=\"__12 _768\"/>ttning med kont<span class=\"__12 _768\"/>ant reglering v<span class=\"__12 _768\"/>\u00e4rder<span class=\"__12 _768\"/>as de f\u00f6rv\u00e4rvade v<span class=\"__12 _768\"/>arorna eller tj\u00e4nsterna och den uppk<span class=\"__12 _768\"/>omna f\u00f6rplik<span class=\"__12 _768\"/><span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>telsen till det verkliga v<span class=\"__12 _768\"/>\u00e4rdet p\u00e5 skulden. Sk<span class=\"__12 _768\"/>ulden omv\u00e4r<span class=\"__12 _768\"/>deras till verkligt v\u00e4r<span class=\"__12 _768\"/>de vid rapportperiodens slut, och eventuella f<span class=\"__12 _768\"/>\u00f6r<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>\u00e4ndringar i verkligt v\u00e4r<span class=\"__12 _768\"/>de redovisas under pos<span class=\"__12 _768\"/>ten \u201dNettoresul<span class=\"__12 _768\"/><span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>tat a<span class=\"__12 _768\"/>v poster till v<span class=\"__12 _768\"/>erkligt v\u00e4rde\u201d i r<span class=\"__12 _768\"/>esulta<span class=\"__12 _768\"/>tr\u00e4kningen.<span class=\"__12 _777\"> </span>Nordea har flera pr<span class=\"__12 _768\"/>ogram f<span class=\"__12 _768\"/>\u00f6r r\u00f6rlig ers\u00e4ttning till utvalda Nordeamedarbetare (<span class=\"__12 _768\"/>deltagare<span class=\"__12 _768\"/>). Villkoren i pr<span class=\"__12 _768\"/>ogrammen  <span class=\"__12 _c0_5\"/>skiljer sig \u00e5t beroende p\u00e5 m\u00e5lgrupp. Uppl<span class=\"__12 _768\"/>ysningar om de aktierela<span class=\"__12 _768\"/>terade pr<span class=\"__12 _768\"/>ogrammen \ufb01nns nedan. Sam<span class=\"__12 _768\"/>tliga ers\u00e4tt-<span class=\"__12 _777\"> </span>ningsprogram beskrivs ocks\u00e5 i a<span class=\"__12 _768\"/>vsnittet \u201dErs\u00e4ttningar\u201d p\u00e5 sidan 79 i f\u00f6rvaltningsber\u00e4<span class=\"__12 _768\"/>ttelsen.<span class=\"__12 _777\"> </span>Fr<span class=\"__12 _768\"/>am till och med slutet a<span class=\"__12 _768\"/>v resul<span class=\"__12 _768\"/>tatm\u00e4tningsperioden/<span class=\"__12 _777\"> </span>r\u00e4kenskaps\u00e5r<span class=\"__12 _768\"/>et 2018 utgjordes Nordeas ak<span class=\"__12 _768\"/>tierela<span class=\"__12 _768\"/>terade pr<span class=\"__12 _768\"/>o-<span class=\"__12 _777\"> </span>gram f<span class=\"__12 _768\"/>\u00f6r r\u00f6rlig ers\u00e4ttning delvis a<span class=\"__12 _a_11\"/>v uppskjuten ers\u00e4ttning med index<span class=\"__12 _768\"/>ering till Nordeaak<span class=\"__12 _768\"/>tiens tot<span class=\"__12 _768\"/>alavkas<span class=\"__12 _768\"/>tning (TSR) och delvis ers\u00e4ttning i f<span class=\"__12 _768\"/>orm a<span class=\"__12 _768\"/>v kont<span class=\"__12 _768\"/>anter<span class=\"__12 _a_11\"/>. Utfallet f<span class=\"__12 _768\"/>r\u00e5n progr<span class=\"__12 _768\"/>am-<span class=\"__12 _777\"> </span>men reglerades i allm\u00e4nhet i k<span class=\"__12 _768\"/>ontan<span class=\"__12 _768\"/>ter och den del som index<span class=\"__12 _768\"/>erades till Nor<span class=\"__12 _768\"/>deas totala<span class=\"__12 _a_11\"/>vkastning redovisades som ett aktierela<span class=\"__12 _768\"/>tera<span class=\"__12 _768\"/>t ers\u00e4ttningsprogr<span class=\"__12 _768\"/>am med kont<span class=\"__12 _768\"/>antregl<span class=\"__12 _768\"/>ering. Index<span class=\"__12 _768\"/>eringen till Nordeaak<span class=\"__12 _768\"/>tiens tot<span class=\"__12 _768\"/>alavkas<span class=\"__12 _768\"/>tning resul<span class=\"__12 _768\"/>terade i en int\u00e4k<span class=\"__12 _768\"/>t p\u00e5 2 mn euro 2022 f<span class=\"__12 _768\"/>\u00f6r de \u00e5t<span class=\"__12 _768\"/>erst\u00e5ende uppskjutna betalningarna h\u00e4nf<span class=\"__12 _768\"/>\u00f6rliga till dessa progr<span class=\"__12 _768\"/>am. Fr<span class=\"__12 _768\"/>\u00e5n och med 2019 regleras ak<span class=\"__12 _768\"/>tierela<span class=\"__12 _768\"/>terade pr<span class=\"__12 _768\"/>ogram f<span class=\"__12 _768\"/>\u00f6r r\u00f6rlig ers\u00e4ttning delvis med k<span class=\"__12 _768\"/>ontan<span class=\"__12 _768\"/>ter utan k<span class=\"__12 _768\"/>oppling till Nordeas aktiek<span class=\"__12 _768\"/>urs, och delvis med Nordeaak<span class=\"__12 _768\"/>tier<span class=\"__12 _a_11\"/>, vilket inne-<span class=\"__12 _777\"> </span>b\u00e4r att den del som betalas i Nordeaak<span class=\"__12 _768\"/>tier \u00e4r ett ak<span class=\"__12 _768\"/>tierelat<span class=\"__12 _768\"/>e-<span class=\"__12 _777\"> </span>rat pr<span class=\"__12 _768\"/>ogram som regler<span class=\"__12 _768\"/>as med eget kapital-ins<span class=\"__12 _768\"/>trument. Index<span class=\"__12 _768\"/>ering till tot<span class=\"__12 _768\"/>alavk<span class=\"__12 _768\"/>astningen kan anv<span class=\"__12 _768\"/>\u00e4ndas i aktier<span class=\"__12 _768\"/>elate-<span class=\"__12 _777\"> </span>rade progr<span class=\"__12 _768\"/>am f\u00f6r r<span class=\"__12 _768\"/>\u00f6rlig ers\u00e4ttning, med h\u00e4nsyn tagen till ope-<span class=\"__12 _777\"> </span>rativ<span class=\"__12 _768\"/>a, administra<span class=\"__12 _768\"/>tiva och ska<span class=\"__12 _768\"/>ttem\u00e4ssiga fr<span class=\"__12 _768\"/>\u00e5gor samt ev<span class=\"__12 _768\"/>entu-<span class=\"__12 _777\"> </span>ella regler som g\u00e4ller f<span class=\"__12 _768\"/>\u00f6r vissa juridiska personer<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>Under 2021 kostnadsf<span class=\"__12 _768\"/>\u00f6rdes 1<span class=\"__12 _768\"/>7 mn euro f<span class=\"__12 _768\"/>\u00f6r r\u00f6rlig ers\u00e4ttning med betalning i kon<span class=\"__12 _768\"/>tanter och 16 mn eur<span class=\"__12 _768\"/>o med betalning i aktier inom r<span class=\"__12 _768\"/>amen f\u00f6r e<span class=\"__12 _768\"/>x<span class=\"__12 _768\"/>ecutive incen<span class=\"__12 _768\"/>tive progr<span class=\"__12 _768\"/>amme (EIP). Under 2022 juster<span class=\"__12 _768\"/>ades dessa ers\u00e4ttningar till 11 mn euro f<span class=\"__12 _768\"/>\u00f6r den del som betalas i aktier och ytt<span class=\"__12 _768\"/>erligare 15 mn euro i k<span class=\"__12 _768\"/>on<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>tanter<span class=\"__12 _a_11\"/>, samtidigt som r<span class=\"__12 _768\"/>\u00f6rlig l\u00f6nedel och bonusprogram bidr<span class=\"__12 _768\"/>og <span class=\"__12 _777\">med ytterligare 8 mn euro i k</span><span class=\"__12 _768\"/>ostnader fr<span class=\"__12 _768\"/>\u00e5n reglering med eget<span class=\"ls0_12\">-<span class=\"__12 _777\"> </span></span>kapitalinstrumen<span class=\"__12 _768\"/>t. Under 2022 har deltagarna i dessa program erh\u00e5llit <span class=\"ws0_12\">1 7<span class=\"ls0_12\">9</span>6 442 aktier i </span>Nordea<span class=\"ws0_12\">, vilket mo<span class=\"__12 _768\"/>tsvar<span class=\"__12 _768\"/><span class=\"__12 _777\">ar 19 mn euro </span></span>baserat p\u00e5 ak<span class=\"__12 _768\"/>tiekursen p\u00e5 tilldelningsdagen. <span class=\"__12 _a_11\"/>T<span class=\"__12 _be_5\"/>otalt tilldelades <span class=\"__12 _777\">deltagarna 2 2</span><span class=\"__12 _768\"/>43 143 aktier<span class=\"__12 _a_11\"/>. Dessa aktier hade ett verkligt v\u00e4r<span class=\"__12 _768\"/>de <span class=\"__12 _777\">p\u00e5 24 mn euro bas</span><span class=\"__12 _768\"/>erat p\u00e5 ak<span class=\"__12 _768\"/>tiekursen p\u00e5 tilldelningsdagen.<span class=\"__12 _777\"> </span>T<span class=\"__12 _a_11\"/>abellen nedan visar samtliga progr<span class=\"__12 _768\"/>am med aktier<span class=\"__12 _768\"/>elate-<span class=\"__12 _777\"> </span>rade kos<span class=\"__12 _768\"/>tnader som redovisa<span class=\"__12 _768\"/>ts under 2022 samt j\u00e4m<span class=\"__12 _768\"/>f\u00f6r<span class=\"__12 _768\"/>else-<span class=\"__12 _777\"> </span><span class=\"__12 _777\">siffrorna f</span><span class=\"__12 _768\"/><span class=\"__12 _777\">\u00f6r 2021. Siffrorna f</span><span class=\"__12 _a_11\"/>\u00f6r 2022 grundas p\u00e5 det f\u00f6rv\u00e4n-<span class=\"__12 _777\"> </span>tade utfallet 2022 och sam<span class=\"__12 _768\"/><span class=\"__12 _777\">tliga siffr</span><span class=\"__12 _768\"/>or \u00e4r exklusiv<span class=\"__12 _768\"/>e sociala av<span class=\"__12 _768\"/>gifter<span class=\"__12 _a_11\"/>. Kostnaden f<span class=\"__12 _768\"/>\u00f6r 2022 grundas p\u00e5 ett antagande om antal ak<span class=\"__12 _768\"/>tier som kommer a<span class=\"__12 _768\"/>tt tilldelas och omf<span class=\"__12 _768\"/>attas a<span class=\"__12 _768\"/>v upp-<span class=\"__12 _777\"> </span>skjutanderegler med \u00f6v<span class=\"__12 _768\"/>erl\u00e5telse under eft<span class=\"__12 _768\"/>erf\u00f6ljande \u00e5<div class=\"t_12 m0_12 h7_11 ff1_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:642.58276px;\">Aktierela<span class=\"__12 _768\"/>ter<span class=\"__12 _768\"/>ade ers\u00e4ttningsprogr<span class=\"__12 _768\"/>amm<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:616.29877px;\">Program\u00e5r<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:161.24252px; bottom:626.04877px;\">Eget kapital- ell<span class=\"__12 _768\"/>er <span class=\"__12 _786\"/> </div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:162.38132px; bottom:616.29877px;\">kontantr<span class=\"__12 _768\"/>eglerade<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:248.24371px; bottom:626.04877px;\">\u00d6verl\u00e5telse-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:269.13992px; bottom:616.29877px;\">period<span class=\"__12 _817\"> </span>K<span class=\"__12 _768\"/>ostnad 2022<span class=\"__12 _817\"> </span>Kostnad 2021<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:471.44855px; bottom:626.04877px;\">Skuld</div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:448.69434px; bottom:616.29877px;\"> 31 dec 2022<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:534.08875px; bottom:626.04877px;\">Skuld</div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:511.83148px; bottom:616.29877px;\"> 31 dec 2021<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:583.2482px; bottom:626.04877px;\">Utst\u00e5ende </div><div class=\"t_12 m0_12 h8_11 ff1_12 fs5_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:581.15784px; bottom:616.29877px;\">r\u00e4ttigheter<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:599.1555px;\">2022<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:582.0111px;\">- L<span class=\"__12 _a_11\"/>TIP<span class=\"__12 _c1_4\"> </span>Eget kapital<span class=\"__12 _768\"/>-reglera<span class=\"__12 _768\"/>t<span class=\"__12 _798\"> </span>202<span class=\"__12 _b_11\"/>5\u20132030<span class=\"__12 _c2_5\"> </span>1<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _834\"> </span>\u2013<span class=\"__12 _5a_4\"> </span>\u2013<span class=\"__12 _7b_4\"> </span>Ja<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hf_11 ff2_12 fs8_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:618.9578px; bottom:585.1974px;\">1 </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:564.8693px;\">- NIP<span class=\"__12 _c3_4\"> </span>Eget kapital<span class=\"__12 _768\"/>-reglera<span class=\"__12 _768\"/>t<span class=\"__12 _806\"> </span>2023\u20132028<span class=\"__12 _818\"> </span>12<span class=\"__12 _834\"> </span>\u2013<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _5a_4\"> </span>\u2013<span class=\"__12 _822\"> </span>Ja<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hf_11 ff2_12 fs8_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:618.9578px; bottom:568.0543px;\">2 </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:547.7262px;\">- Utk\u00f6p, etc.<span class=\"__12 _c4_4\"> </span>Eget kapital<span class=\"__12 _768\"/>-reglera<span class=\"__12 _768\"/>t<span class=\"__12 _806\"> </span>2022\u20132026<span class=\"__12 _834\"> </span>0<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _818\"> </span>\u2013<span class=\"__12 _822\"> </span>Ja<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hf_11 ff2_12 fs8_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:618.9578px; bottom:550.9112px;\">2 </div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:530.5831px;\">2021<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:513.4387px;\">- L<span class=\"__12 _a_11\"/>TIP<span class=\"__12 _c1_4\"> </span>Eget kapital<span class=\"__12 _768\"/>-reglera<span class=\"__12 _768\"/>t<span class=\"__12 _806\"> </span>202<span class=\"__12 _768\"/>4\u20132029<span class=\"__12 _c2_5\"> </span>1<span class=\"__12 _c2_5\"> </span>1<span class=\"__12 _834\"> </span>\u2013<span class=\"__12 _5a_4\"> </span>\u2013<span class=\"__12 _822\"> </span>Ja<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hf_11 ff2_12 fs8_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:618.9578px; bottom:516.625px;\">3<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:496.29694px;\">- EIP<span class=\"__12 _c5_5\"> </span>Eget kapital<span class=\"__12 _768\"/>-reglera<span class=\"__12 _768\"/>t<span class=\"__12 _812\"> </span>2022\u20132027<span class=\"__12 _827\"> </span>-5<span class=\"__12 _5a_4\"> </span>16<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _818\"> </span>\u2013<span class=\"__12 _818\"> </span>Ja </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:479.15253px;\">- R\u00f6rlig l\u00f6nedel/bonus<span class=\"__12 _8e_4\"> </span>Eget kapital-regler<span class=\"__12 _768\"/>at<span class=\"__12 _812\"> </span>2022\u20132027<span class=\"__12 _778\"> </span>8<span class=\"__12 _834\"> </span>\u2013<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _5a_4\"> </span>\u2013<span class=\"__12 _818\"> </span>Ja </div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:462.00812px;\">- Utk\u00f6p, etc.<span class=\"__12 _c4_4\"> </span>Eget kapital<span class=\"__12 _768\"/>-reglera<span class=\"__12 _768\"/>t<span class=\"__12 _812\"> </span>2022\u2013<span class=\"__12 _768\"/>2023<span class=\"__12 _834\"> </span>0<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _818\"> </span>\u2013<span class=\"__12 _818\"> </span>Ja<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:444.8637px;\">2020<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:427.7193px;\">- L<span class=\"__12 _a_11\"/>TIP<span class=\"__12 _c1_4\"> </span>Eget kapital<span class=\"__12 _768\"/>-reglera<span class=\"__12 _768\"/>t<span class=\"__12 _806\"> </span>2023\u20132028<span class=\"__12 _778\"> </span>0<span class=\"__12 _834\"> </span>0<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _818\"> </span>\u2013<span class=\"__12 _818\"> </span>Ja<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:410.5749px;\">- EIP<span class=\"__12 _c5_5\"> </span>Eget kapital<span class=\"__12 _768\"/>-reglera<span class=\"__12 _768\"/>t<span class=\"__12 _c6_4\"> </span>2021\u2013<span class=\"__12 _768\"/>2026<span class=\"__12 _824\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _827\"> </span></span>-5<span class=\"__12 _834\"> </span>\u2013<span class=\"__12 _5a_4\"> </span>\u2013<span class=\"__12 _5a_4\"> </span>Ja<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:393.43054px;\">- R\u00f6rlig l\u00f6nedel/bonus<span class=\"__12 _8e_4\"> </span>Eget kapital-regler<span class=\"__12 _768\"/>at<span class=\"__12 _812\"> </span>2021\u20132026<span class=\"__12 _824\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _c2_5\"> </span></span>7<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _5a_4\"> </span>\u2013<span class=\"__12 _818\"> </span>Ja<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:376.28613px;\">- Utk\u00f6p, etc.<span class=\"__12 _c4_4\"> </span>Eget kapital<span class=\"__12 _768\"/>-reglera<span class=\"__12 _768\"/>t<span class=\"__12 _c6_4\"> </span>2021\u2013<span class=\"__12 _768\"/>2026<span class=\"__12 _834\"> </span>0<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _778\"> </span>\u2013<span class=\"__12 _818\"> </span>\u2013<span class=\"__12 _818\"> </span>Ja<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:359.14172px;\">Tidigare \u00e5r<span class=\"__12 _c7_4\"> </span><span class=\"ff2_12\">Kont<span class=\"__12 _768\"/>antregler<span class=\"__12 _768\"/>at<span class=\"__12 _806\"> </span>2022\u20132025<span class=\"__12 _824\"> </span><span class=\"ls3_11 ws3_11\">-2<span class=\"__12 _818\"> </span></span>16<span class=\"__12 _852\"> </span>7<span class=\"__12 _835\"> </span><span class=\"ls3_11 ws3_11\">24<span class=\"__12 _835\"> </span></span>Nej<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 h9_11 ff2_12 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:142.69177px; bottom:341.9973px;\">Eget kapital<span class=\"__12 _768\"/>-reglera<span class=\"__12 _768\"/>t<span class=\"__12 _812\"> </span>2022\u2013<span class=\"__12 _768\"/>2025<span class=\"__12 _824\"> </span><span class=\"ls4_11 ws8_11\">-1<span class=\"__12 _c8_5\"> </span>-1<span class=\"__12 _778\"> </span></span>\u2013<span class=\"__12 _818\"> </span>\u2013<span class=\"__12 _818\"> </span>Ja<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 ha_11 ff3_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:324.8529px;\">Summa<span class=\"__12 _c9_5\"> </span>12<span class=\"__12 _854\"> </span>34<span class=\"__12 _852\"> </span>7<span class=\"__12 _800\"> </span><span class=\"ls3_11 ws3_11\">24<span class=\"__12 _777\"> </span></span></div><div class=\"t_12 m0_12 hb_11 ff2_12 fs6_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:305.20758px;\">1)  R\u00e4ttigheter tilldelas efter den tre\u00e5riga resul<span class=\"__12 _768\"/>tatm\u00e4tningsperiodens slut (2022\u2013<span class=\"__12 _768\"/>2024), under den efterf<span class=\"__12 _768\"/>\u00f6ljande \u00f6verl\u00e5t<span class=\"__12 _768\"/>elseperioden (2025\u20132030).<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hb_11 ff2_12 fs6_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:293.60352px;\">2)  R\u00e4ttigheter tilldelas under 2023 utifr\u00e5n result<span class=\"__12 _768\"/>atet f\u00f6r 2022.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hb_11 ff2_12 fs6_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:4.2144775px; bottom:281.99945px;\">3)  R\u00e4ttigheter tilldelas efter den tre\u00e5riga resul<span class=\"__12 _768\"/>tatm\u00e4tningsperiodens slut (2021<span class=\"__12 _768\"/>\u20132023), under den efterf\u00f6ljande \u00f6<span class=\"__12 _768\"/>verl\u00e5telseperioden (202<span class=\"__12 _768\"/>4\u20132029).<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 hd_11 ff4_11 fs0_12 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:677.2105px;\">K8.3  Aktierelaterade ers\u00e4ttningsprogram, forts.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h6_11 ff1_12 fs4_11 fc2_10 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:232.6897px;\">Nordeas l\u00e5ngsik<span class=\"__12 _768\"/>tiga incitamentsprogr<span class=\"__12 _768\"/>am<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:219.16058px;\">Nordea har l\u00e5ngsiktiga incit<span class=\"__12 _768\"/>amentspr<span class=\"__12 _768\"/>ogram (L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _a_11\"/>, long term </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:205.63538px;\">incentiv<span class=\"__12 _768\"/>e plan) f\u00f6r k<span class=\"__12 _768\"/>oncernchef<span class=\"__12 _768\"/>en, de medlemmar i koncern-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:192.11017px;\">ledningen som ing\u00e5r i f\u00f6rs<span class=\"__12 _768\"/>ta f\u00f6rsvarslinjen och h\u00f6gs<span class=\"__12 _768\"/>t 50 andra </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:178.58496px;\">ledande befa<span class=\"__12 _768\"/>ttningshav<span class=\"__12 _768\"/>are v<span class=\"__12 _768\"/>arje \u00e5r<span class=\"__12 _a_11\"/>. L<span class=\"__12 _a_11\"/>TIP har funnits i Nor<span class=\"__12 _768\"/>dea </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:165.05978px;\">sedan 2020 och vid starten innef<span class=\"__12 _768\"/>attades k<span class=\"__12 _768\"/>oncernchef<span class=\"__12 _768\"/>en och </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:151.53458px;\">de medlemmar i koncernledningen som ing\u00e5r i f<span class=\"__12 _768\"/>\u00f6rsta f<span class=\"__12 _768\"/>\u00f6r-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:138.00937px;\">svarslinjen. Under 2021 ut\u00f6kades L<span class=\"__12 _be_5\"/>TIP till a<span class=\"__12 _768\"/>tt ocks\u00e5 innefa<span class=\"__12 _768\"/>tta </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:124.48416px;\">upp till 50 andra ledande bef<span class=\"__12 _768\"/>attningsha<span class=\"__12 _768\"/>var<span class=\"__12 _768\"/>e. Den 31 mars </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:110.958984px;\">2022 beslutade styr<span class=\"__12 _768\"/>elsen om ett nytt progr<span class=\"__12 _768\"/>am, L<span class=\"__12 _be_5\"/>TIP 2022, f<span class=\"__12 _768\"/>\u00f6r </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:97.43378px;\">samma m\u00e5lgrupp som 2021, det vill s\u00e4ga koncernchef<span class=\"__12 _768\"/>en och </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:83.90857px;\">de medlemmar i koncernledningen som ing\u00e5r i f<span class=\"__12 _768\"/>\u00f6rsta f<span class=\"__12 _768\"/>\u00f6r-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:70.38336px;\">svarslinjen samt upp till 50 andr<span class=\"__12 _768\"/>a ledande befa<span class=\"__12 _768\"/>ttningsha<span class=\"__12 _768\"/>vare.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:12.908623px; bottom:56.858185px;\">V<span class=\"__12 _a_11\"/>ardera L<span class=\"__12 _be_5\"/>TIP t\u00e4cker en resul<span class=\"__12 _768\"/>tatm\u00e4tningsperiod p\u00e5 tr<span class=\"__12 _768\"/>e \u00e5r </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:43.332977px;\">fr\u00e5n tidpunk<span class=\"__12 _768\"/>ten f<span class=\"__12 _768\"/>\u00f6r inf<span class=\"__12 _768\"/>\u00f6randet, och de regler<span class=\"__12 _768\"/>as helt med eget </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:29.80777px;\">kapital-instrumen<span class=\"__12 _768\"/>t. Programmen erbjuder deltagarna villk<span class=\"__12 _768\"/>o-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:16.282562px;\">rade ak<span class=\"__12 _768\"/>tier<span class=\"__12 _a_11\"/>, det vill s\u00e4ga ett l\u00f6fte till deltagaren om tilldelning </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:0.013267517px; bottom:2.7573853px;\">av ak<span class=\"__12 _768\"/>tier om vissa pres<span class=\"__12 _768\"/>tationskriterier upp<span class=\"__12 _768\"/>fylls. </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:333.50226px; bottom:233.23828px;\">Det h\u00f6gsta an<span class=\"__12 _768\"/>talet aktier s<span class=\"__12 _768\"/>om kan f\u00f6r<span class=\"__12 _768\"/>delas till deltagarna </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:219.71307px;\">beslutas n\u00e4r respek<span class=\"__12 _768\"/>tive L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _768\"/> inf<span class=\"__12 _768\"/>\u00f6rs, och det slutliga antalet </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:206.18787px;\">aktier som f<span class=\"__12 _768\"/>ak<span class=\"__12 _768\"/>tiskt tilldelas v<span class=\"__12 _768\"/>arje deltagare k<span class=\"__12 _768\"/>ommer att f<span class=\"__12 _768\"/>ast-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:192.66266px;\">st\u00e4llas efter den 3-<span class=\"__12 _768\"/>\u00e5riga result<span class=\"__12 _768\"/>atm\u00e4tningsperiodens slut. Inga </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:179.13745px;\">aktier tilldelas vid tidpunk<span class=\"__12 _768\"/>ten f<span class=\"__12 _768\"/>\u00f6r L<span class=\"__12 _be_5\"/>TIP-programmens inf<span class=\"__12 _768\"/>\u00f6r<span class=\"__12 _768\"/>an-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:165.61227px;\">de och f\u00f6r<span class=\"__12 _768\"/>delningen av de villk<span class=\"__12 _768\"/>orade ak<span class=\"__12 _768\"/>tierna.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:333.50226px; bottom:152.08707px;\">Efter resul<span class=\"__12 _768\"/>tatm\u00e4<span class=\"__12 _768\"/>tningsperiodens slut och n\u00e4r styrels<span class=\"__12 _768\"/>en har </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:138.56186px;\">beslutat om ak<span class=\"__12 _768\"/>tietilldelningen fr<span class=\"__12 _768\"/>\u00e5n L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _a_11\"/>, omfattas delar a<span class=\"__12 _a_11\"/>v </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:125.03668px;\">aktietilldelningen a<span class=\"__12 _768\"/>v en uppskjutandeperiod med \u00e5rlig \u00f6v<span class=\"__12 _768\"/>erl\u00e5-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:111.511475px;\">telse i lika st<span class=\"__12 _768\"/>ora delar under den kommande f<span class=\"__12 _768\"/>em\u00e5rsperioden. </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:97.98627px;\">Aktier som \u00f6<span class=\"__12 _768\"/>verl\u00e5tits till del<span class=\"__12 _768\"/>tagarna omf<span class=\"__12 _768\"/>attas a<span class=\"__12 _768\"/>v en kv<span class=\"__12 _768\"/>arh\u00e5l-<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:84.46106px;\">landeperiod p\u00e5 12 m\u00e5nader<span class=\"__12 _a_11\"/>, under vilken deltagarna varken </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:70.93588px;\">kan s\u00e4lja dem eller genomf<span class=\"__12 _768\"/>\u00f6ra n\u00e5gr<span class=\"__12 _768\"/>a andra transak<span class=\"__12 _768\"/>tioner<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span></div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:333.50226px; bottom:57.410675px;\">L<span class=\"__12 _be_5\"/>TIP kostnadsf<span class=\"__12 _768\"/>\u00f6rs linj\u00e4rt under resulta<span class=\"__12 _768\"/>tm\u00e4tningsperioden </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:43.885468px;\">och uppskjutandeperioden, enligt beskrivningen nedan som </div><div class=\"t_12 m0_12 h5_11 ff2_12 fs3_11 fc1_11 sc0_12 ls0_12 ws0_12\" style=\"left:320.60693px; bottom:30.36026px;\">omf<span class=\"__12 _768\"/>attar re<span class=\"__12 _768\"/>spektiv<span class=\"__12 _768\"/>e L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span></div>L<span class=\"__12 _a_11\"/>TIP<span class=\"__12 _5d_4\"> </span>L<span class=\"__12 _a_11\"/>TIP 2020-2022<span class=\"__12 _ca_4\"> </span>L<span class=\"__12 _a_11\"/>TIP 2021-<span class=\"__12 _768\"/>2023<span class=\"__12 _772\"> </span>L<span class=\"__12 _be_5\"/>TIP 2022-2024<span class=\"__12 _777\"> </span>Styrelsens<span class=\"__12 _777\"> </span>beslut om<span class=\"__12 _777\"> </span>program<span class=\"__12 _777\"> </span>11 juni 2020<span class=\"__12 _cb_4\"> </span>31 mars 2021<span class=\"__12 _cc_5\"> </span>31 mars 2022<span class=\"__12 _777\"> </span>Resulta<span class=\"__12 _768\"/>t-<span class=\"__12 _777\"> </span>m\u00e4tnings-<span class=\"__12 _777\"> </span>period<span class=\"__12 _777\"> </span>1 januari 2020\u201331 december 2022<span class=\"__12 _2b_6\"> </span>1 januari 2021\u201331 december 2023<span class=\"__12 _831\"> </span>1 januari 2022\u201331 december 2024<span class=\"__12 _777\"> </span>M\u00e5lgrupp<span class=\"__12 _781\"> </span>Koncernchef och medlemmar i<span class=\"__12 _777\"> </span>koncernledningen som ing\u00e5r i f<span class=\"__12 _768\"/>\u00f6rsta<span class=\"__12 _777\"> </span>f\u00f6rsvarslinjen<span class=\"__12 _777\"> </span>Koncernchef och medlemmar i<span class=\"__12 _777\"> </span>koncernledningen som ing\u00e5r i f<span class=\"__12 _768\"/>\u00f6rsta<span class=\"__12 _777\"> </span>f\u00f6rsvarslinjen sam<span class=\"__12 _768\"/>t upp till 50 andra<span class=\"__12 _777\"> </span>ledande befattningsha<span class=\"__12 _768\"/>var<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span>Koncernchef och medlemmar i<span class=\"__12 _777\"> </span>koncernledningen som ing\u00e5r i f<span class=\"__12 _768\"/>\u00f6rsta<span class=\"__12 _777\"> </span>f\u00f6rsvarslinjen sam<span class=\"__12 _768\"/>t upp till 50 andra<span class=\"__12 _777\"> </span>ledande befattningsha<span class=\"__12 _768\"/>var<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span>Maximalt antal<span class=\"__12 _777\"> </span>aktier som kan<span class=\"__12 _777\"> </span>f\u00f6rdelas<span class=\"__12 _777\"> </span>650 000<span class=\"__12 _cd_4\"> </span>1 397 500<span class=\"__12 _ce_5\"> </span>1 535 000<span class=\"__12 _777\"> </span>Tilldelning<span class=\"__12 _2f_6\"> </span>Andra kvartalet 2023<span class=\"__12 _cf_4\"> </span>Andra kvartalet 202<span class=\"__12 _768\"/>4<span class=\"__12 _cf_4\"> </span>Andra kvartalet 2025<span class=\"__12 _777\"> </span>Presta<span class=\"__12 _768\"/>tions-<span class=\"__12 _777\"> </span>kriterier (med<span class=\"__12 _777\"> </span>lika vikt)<span class=\"__12 _777\"> </span>Absolut totala<span class=\"__12 _768\"/>vkastning (aT<span class=\"__12 _768\"/>SR)<span class=\"__12 _777\"> </span>Relativ to<span class=\"__12 _768\"/>talavk<span class=\"__12 _768\"/>astning (rTSR)<span class=\"__12 _777\"> </span>Ackumulerad vins<span class=\"__12 _768\"/>t per aktie (EPS)<span class=\"__12 _777\"> </span>Absolut totala<span class=\"__12 _768\"/>vkastning (aT<span class=\"__12 _768\"/>SR)<span class=\"__12 _777\"> </span>Relativ to<span class=\"__12 _768\"/>talavk<span class=\"__12 _768\"/>astning (rTSR)<span class=\"__12 _777\"> </span>Ackumulerad vins<span class=\"__12 _768\"/>t per aktie (EPS)<span class=\"__12 _777\"> </span>Absolut totala<span class=\"__12 _768\"/>vkastning (aT<span class=\"__12 _768\"/>SR)<span class=\"__12 _777\"> </span>Relativ to<span class=\"__12 _768\"/>talavk<span class=\"__12 _768\"/>astning (rTSR)<span class=\"__12 _777\"> </span>Ackumulerad vins<span class=\"__12 _768\"/>t per aktie (EPS)<span class=\"__12 _777\"> </span>Tj\u00e4nstg\u00f6rings-<span class=\"__12 _777\"> </span>villkor<span class=\"__12 _777\"> </span>Anst\u00e4lld i Nordeakonc<span class=\"__12 _768\"/>ernen under<span class=\"__12 _777\"> </span>intj\u00e4nandeperioden p\u00e5 3\u20138 \u00e5r<span class=\"__12 _777\"> </span>Anst\u00e4llningen f\u00e5r in<span class=\"__12 _768\"/>te ha a<span class=\"__12 _768\"/>vslutats innan<span class=\"__12 _777\"> </span>tilldelningen bekr\u00e4ftas<span class=\"__12 _777\"> </span>Anst\u00e4llningen f\u00e5r in<span class=\"__12 _768\"/>te ha a<span class=\"__12 _768\"/>vslutats innan<span class=\"__12 _777\"> </span>tilldelningen bekr\u00e4ftas<span class=\"__12 _777\"> </span>Presta<span class=\"__12 _768\"/>tions-<span class=\"__12 _777\"> </span>kriterium aTSR<span class=\"__12 _777\"> </span>Uppg\u00e5ng f\u00f6r Nordeas ak<span class=\"__12 _768\"/>tiekurs i absoluta<span class=\"__12 _777\"> </span>termer (med \u00e5terinv<span class=\"__12 _768\"/>ester<span class=\"__12 _768\"/>ad utdelning).<span class=\"__12 _777\"> </span>H\u00f6gsta tilldelning f<span class=\"__12 _768\"/>\u00f6r aTSR \u00f6ver 12,00<span class=\"__12 _777\"> </span>euro. Ingen tilldelning f<span class=\"__12 _768\"/>\u00f6r aTSR under 6,50<span class=\"__12 _777\"> </span>euro.<span class=\"__12 _777\"> </span>Uppg\u00e5ng f\u00f6r Nordeas ak<span class=\"__12 _768\"/>tiekurs i absoluta<span class=\"__12 _777\"> </span>termer (med \u00e5terinv<span class=\"__12 _768\"/>ester<span class=\"__12 _768\"/>ad utdelning).<span class=\"__12 _777\"> </span>H\u00f6gsta tilldelning f<span class=\"__12 _768\"/>\u00f6r aTSR \u00f6ver 13,<span class=\"__12 _a_11\"/>10 euro.<span class=\"__12 _777\"> </span>Ingen tilldelning f\u00f6r aTSR under 7<span class=\"__12 _a_11\"/>,60 euro.<span class=\"__12 _777\"> </span>Uppg\u00e5ng f\u00f6r Nordeas ak<span class=\"__12 _768\"/>tiekurs i absoluta<span class=\"__12 _777\"> </span>termer (med \u00e5terinv<span class=\"__12 _768\"/>ester<span class=\"__12 _768\"/>ad utdelning).<span class=\"__12 _777\"> </span>H\u00f6gsta tilldelning f<span class=\"__12 _768\"/>\u00f6r aTSR \u00f6ver<span class=\"__12 _777\"> </span><span class=\"__12 _777\">14,97 euro. Ingen tilldelning f</span><span class=\"__12 _768\"/>\u00f6r aTSR<span class=\"__12 _777\"> </span>under 9,84 euro.<span class=\"__12 _777\"> </span>Presta<span class=\"__12 _768\"/>tions-<span class=\"__12 _777\"> </span>kriterium rTSR<span class=\"__12 _777\"> </span>Uppg\u00e5ng f\u00f6r Nordeas ak<span class=\"__12 _768\"/>tiekurs (med<span class=\"__12 _777\"> </span>\u00e5terinv<span class=\"__12 _768\"/>esterad ut<span class=\"__12 _768\"/>delning) i f\u00f6rh\u00e5llande till<span class=\"__12 _777\"> </span>en grupp med nio konkurren<span class=\"__12 _768\"/>ter<span class=\"__12 _a_11\"/>. H\u00f6gsta<span class=\"__12 _777\"> </span>tilldelning f\u00f6r rTSR om Nor<span class=\"__12 _768\"/>dea \u00e4r nummer<span class=\"__12 _777\"> </span>ett bland konkurren<span class=\"__12 _768\"/>terna. Ingen tilldelning<span class=\"__12 _777\"> </span>f\u00f6r rTSR om Nor<span class=\"__12 _768\"/>dea \u00e4r nummer sex eller<span class=\"__12 _777\"> </span>s\u00e4mre bland konkurr<span class=\"__12 _768\"/>enterna.<span class=\"__12 _777\"> </span>Uppg\u00e5ng f\u00f6r Nordeas ak<span class=\"__12 _768\"/>tiekurs (med<span class=\"__12 _777\"> </span>\u00e5terinv<span class=\"__12 _768\"/>esterad ut<span class=\"__12 _768\"/>delning) i f\u00f6rh\u00e5llande till<span class=\"__12 _777\"> </span>en grupp med nio konkurren<span class=\"__12 _768\"/>ter<span class=\"__12 _a_11\"/>. H\u00f6gsta<span class=\"__12 _777\"> </span>tilldelning f\u00f6r rTSR om Nor<span class=\"__12 _768\"/>dea \u00e4r nummer<span class=\"__12 _777\"> </span>ett bland konkurren<span class=\"__12 _768\"/>terna. Ingen tilldelning<span class=\"__12 _777\"> </span>f\u00f6r rTSR om Nor<span class=\"__12 _768\"/>dea \u00e4r nummer sex eller<span class=\"__12 _777\"> </span>s\u00e4mre bland konkurr<span class=\"__12 _768\"/>enterna.<span class=\"__12 _777\"> </span>Uppg\u00e5ng f\u00f6r Nordeas ak<span class=\"__12 _768\"/>tiekurs (med<span class=\"__12 _777\"> </span>\u00e5terinv<span class=\"__12 _768\"/>esterad ut<span class=\"__12 _768\"/>delning) i f\u00f6rh\u00e5llande till<span class=\"__12 _777\"> </span>en grupp med fem konk<span class=\"__12 _768\"/>urrent<span class=\"__12 _768\"/>er<span class=\"__12 _768\"/>. H\u00f6gsta<span class=\"__12 _777\"> </span>tilldelning f\u00f6r rTSR om Nor<span class=\"__12 _768\"/>dea \u00e4r nummer<span class=\"__12 _777\"> </span>ett bland konkurren<span class=\"__12 _768\"/>terna. Ingen tilldelning<span class=\"__12 _777\"> </span>f\u00f6r rTSR om Nor<span class=\"__12 _768\"/>dea \u00e4r nummer fyra eller<span class=\"__12 _777\"> </span>s\u00e4mre bland konkurr<span class=\"__12 _768\"/>enterna.<span class=\"__12 _777\"> </span>Presta<span class=\"__12 _768\"/>tions-<span class=\"__12 _777\"> </span>kriterium EPS<span class=\"__12 _777\"> </span>Samlat resulta<span class=\"__12 _768\"/>t per aktie f<span class=\"__12 _768\"/>\u00f6r perioden<span class=\"__12 _777\"> </span>2021\u2013<span class=\"__12 _768\"/>2022. H\u00f6gsta tilldelning f<span class=\"__12 _768\"/>\u00f6r EPS \u00f6ver<span class=\"__12 _777\"> </span>1,80 euro. Ingen tilldelning f\u00f6r EPS under<span class=\"__12 _777\"> </span>1,20 euro.<span class=\"__12 _777\"> </span>Samlat resulta<span class=\"__12 _768\"/>t per aktie f<span class=\"__12 _768\"/>\u00f6r perioden<span class=\"__12 _777\"> </span>2021\u2013<span class=\"__12 _768\"/>2023. H\u00f6gsta tilldelning f\u00f6r EPS \u00f6<span class=\"__12 _768\"/>ver<span class=\"__12 _777\"> </span>2,56 euro. Ingen tilldelning f<span class=\"__12 _768\"/>\u00f6r EPS under<span class=\"__12 _777\"> </span>2,00 euro.<span class=\"__12 _777\"> </span>Samlat resulta<span class=\"__12 _768\"/>t per aktie f<span class=\"__12 _768\"/>\u00f6r perioden<span class=\"__12 _777\"> </span>2022\u2013202<span class=\"__12 _768\"/>4. H\u00f6gsta tilldelning f<span class=\"__12 _768\"/>\u00f6r EPS \u00f6ver<span class=\"__12 _777\"> </span>3,20 euro. Ingen tilldelning f\u00f6r EPS under<span class=\"__12 _777\"> </span>2,40 euro.<span class=\"__12 _777\"> </span>Villkor f\u00f6r<span class=\"__12 _777\"> </span>riskjustering<span class=\"__12 _777\"> </span>Ingen utbetalning om Nordeas<span class=\"__12 _777\"> </span>genomsnittliga avkas<span class=\"__12 _768\"/>tning p\u00e5 eget kapital<span class=\"__12 _777\"> </span>(enligt rapportering) 2020\u2013<span class=\"__12 _768\"/>2022 \u00e4r under<span class=\"__12 _777\"> </span>3 procent eller om ak<span class=\"__12 _768\"/>tiens slutkurs \u00e4r l\u00e4gr<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span>\u00e4n aktiens startkurs.<span class=\"__12 _777\"> </span>Ingen utbetalning om Nordeas<span class=\"__12 _777\"> </span>genomsnittliga avkas<span class=\"__12 _768\"/>tning p\u00e5 eget kapital<span class=\"__12 _777\"> </span>(enligt rapportering) 2021<span class=\"__12 _768\"/>\u20132023 \u00e4r under<span class=\"__12 _777\"> </span><span class=\"__12 _777\">3 procent eller om ak</span><span class=\"__12 _768\"/>tiens slutkurs \u00e4r l\u00e4gr<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span>\u00e4n aktiens startkurs.<span class=\"__12 _777\"> </span>Ingen utbetalning om Nordeas<span class=\"__12 _777\"> </span>genomsnittliga avkas<span class=\"__12 _768\"/>tning p\u00e5 eget kapital<span class=\"__12 _777\"> </span>(enligt rapportering) 2022\u2013<span class=\"__12 _768\"/>2024 \u00e4r under<span class=\"__12 _777\"> </span>3 procent eller om ak<span class=\"__12 _768\"/>tiens slutkurs \u00e4r l\u00e4gr<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span>\u00e4n aktiens startkurs.<span class=\"__12 _777\"> </span>\u00d6vre gr\u00e4ns<span class=\"__12 _802\"> </span>Tilldelningen k<span class=\"__12 _768\"/>an inte \u00f6v<span class=\"__12 _768\"/>erstiga<span class=\"__12 _777\"> </span><span class=\"__12 _777\">200 procent a</span><span class=\"__12 _768\"/>v deltagar<span class=\"__12 _768\"/>ens l\u00f6n.<span class=\"__12 _777\"> </span>Tilldelningen kan inte \u00f6<span class=\"__12 _768\"/>verstiga<span class=\"__12 _777\"> </span><span class=\"__12 _777\">200 procent a</span><span class=\"__12 _768\"/>v deltagar<span class=\"__12 _768\"/>ens l\u00f6n.<span class=\"__12 _777\"> </span>Tilldelningen kan inte \u00f6<span class=\"__12 _768\"/>verstiga<span class=\"__12 _777\"> </span><span class=\"__12 _777\">200 procent a</span><span class=\"__12 _768\"/>v deltagar<span class=\"__12 _768\"/>ens l\u00f6n.<span class=\"__12 _777\"> </span>\u00d6verl\u00e5telse-<span class=\"__12 _777\"> </span>mekanism<span class=\"__12 _777\"> </span>40 procent a<span class=\"__12 _768\"/>v ak<span class=\"__12 _768\"/>tierna i even<span class=\"__12 _768\"/>tuell<span class=\"__12 _777\"> </span>tilldelning \u00f6verl\u00e5ts till del<span class=\"__12 _768\"/>tagaren under<span class=\"__12 _777\"> </span>andra kvartalet 2023. \u00c5ters<span class=\"__12 _768\"/>t\u00e5ende<span class=\"__12 _777\"> </span><span class=\"__12 _777\">60 procent om</span><span class=\"__12 _768\"/>fa<span class=\"__12 _768\"/>ttas av en<span class=\"__12 _777\"> </span>uppskjutandeperiod och \u00f6verl\u00e5ts \u00e5rligen i<span class=\"__12 _777\"> </span>fem lika s<span class=\"__12 _768\"/>tora delar under perioden andra<span class=\"__12 _777\"> </span>kvartalet 2024 till andr<span class=\"__12 _768\"/>a kvartalet 2028.<span class=\"__12 _777\"> </span>40 procent a<span class=\"__12 _768\"/>v ak<span class=\"__12 _768\"/>tierna i even<span class=\"__12 _768\"/>tuell<span class=\"__12 _777\"> </span>tilldelning \u00f6verl\u00e5ts till del<span class=\"__12 _768\"/>tagaren under<span class=\"__12 _777\"> </span>andra kvartalet 202<span class=\"__12 _768\"/>4. \u00c5terst\u00e5ende<span class=\"__12 _777\"> </span><span class=\"__12 _777\">60 procent om</span><span class=\"__12 _768\"/>fa<span class=\"__12 _768\"/>ttas av en<span class=\"__12 _777\"> </span>uppskjutandeperiod och \u00f6verl\u00e5ts \u00e5rligen i<span class=\"__12 _777\"> </span>fem lika s<span class=\"__12 _768\"/>tora delar under perioden andra<span class=\"__12 _777\"> </span>kvartalet 2025 till andra kvartalet 2029.<span class=\"__12 _777\"> </span>40 procent a<span class=\"__12 _768\"/>v ak<span class=\"__12 _768\"/>tierna i even<span class=\"__12 _768\"/>tuell<span class=\"__12 _777\"> </span>tilldelning \u00f6verl\u00e5ts till del<span class=\"__12 _768\"/>tagaren under<span class=\"__12 _777\"> </span>andra kvartalet 2025. \u00c5terst<span class=\"__12 _768\"/>\u00e5ende<span class=\"__12 _777\"> </span><span class=\"__12 _777\">60 procent om</span><span class=\"__12 _768\"/>fa<span class=\"__12 _768\"/>ttas av en<span class=\"__12 _777\"> </span>uppskjutandeperiod och \u00f6verl\u00e5ts \u00e5rligen i<span class=\"__12 _777\"> </span>fem lika s<span class=\"__12 _768\"/>tora delar under perioden andra<span class=\"__12 _777\"> </span>kvartalet 2026 till andra kvartalet 2030.<span class=\"__12 _777\"> </span>Regler vid<span class=\"__12 _777\"> </span>avslutad<span class=\"__12 _777\"> </span>anst\u00e4llning<span class=\"__12 _777\"> </span>Aktier som \u00e4nnu in<span class=\"__12 _768\"/>te intj\u00e4na<span class=\"__12 _768\"/>ts \u00f6verl\u00e5ts in<span class=\"__12 _768\"/>te<span class=\"__12 _777\"> </span>om anst\u00e4llningen a<span class=\"__12 _768\"/>vslutas f\u00f6r<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span>\u00f6verl\u00e5t<span class=\"__12 _768\"/>elsedagen, dock med f\u00f6rbeh\u00e5ll f<span class=\"__12 _768\"/>\u00f6r<span class=\"__12 _777\"> </span>nationell lag och a<span class=\"__12 _768\"/>vg\u00e5ngsvillkor<span class=\"__12 _a_11\"/>, s\u00e5vida<span class=\"__12 _777\"> </span>inte kriterierna f<span class=\"__12 _768\"/>\u00f6r en s\u00e5 kallad \u201d<span class=\"__12 _a_11\"/>good<span class=\"__12 _777\"> </span>leav<span class=\"__12 _768\"/>er<span class=\"__12 _b_11\"/>\u201d uppfylls.<span class=\"__12 _777\"> </span>Aktier som \u00e4nnu in<span class=\"__12 _768\"/>te intj\u00e4na<span class=\"__12 _768\"/>ts \u00f6verl\u00e5ts in<span class=\"__12 _768\"/>te<span class=\"__12 _777\"> </span>om anst\u00e4llningen a<span class=\"__12 _768\"/>vslutas f\u00f6r<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span>\u00f6verl\u00e5t<span class=\"__12 _768\"/>elsedagen, dock med f\u00f6rbeh\u00e5ll f<span class=\"__12 _768\"/>\u00f6r<span class=\"__12 _777\"> </span>nationell lag och a<span class=\"__12 _768\"/>vg\u00e5ngsvillkor<span class=\"__12 _a_11\"/>, s\u00e5vida<span class=\"__12 _777\"> </span>inte kriterierna f<span class=\"__12 _768\"/>\u00f6r en s\u00e5 kallad \u201d<span class=\"__12 _a_11\"/>good<span class=\"__12 _777\"> </span>leav<span class=\"__12 _768\"/>er<span class=\"__12 _b_11\"/>\u201d uppfylls.<span class=\"__12 _777\"> </span>Aktier som \u00e4nnu in<span class=\"__12 _768\"/>te intj\u00e4na<span class=\"__12 _768\"/>ts \u00f6verl\u00e5ts in<span class=\"__12 _768\"/>te<span class=\"__12 _777\"> </span>om anst\u00e4llningen a<span class=\"__12 _768\"/>vslutas f\u00f6r<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span>\u00f6verl\u00e5t<span class=\"__12 _768\"/>elsedagen, dock med f\u00f6rbeh\u00e5ll f<span class=\"__12 _768\"/>\u00f6r<span class=\"__12 _777\"> </span>nationell lag och a<span class=\"__12 _768\"/>vg\u00e5ngsvillkor<span class=\"__12 _a_11\"/>, s\u00e5vida<span class=\"__12 _777\"> </span>inte kriterierna f<span class=\"__12 _768\"/>\u00f6r en s\u00e5 kallad \u201d<span class=\"__12 _a_11\"/>good<span class=\"__12 _777\"> </span>leav<span class=\"__12 _768\"/>er<span class=\"__12 _b_11\"/>\u201d uppfylls.<span class=\"__12 _777\"> </span>F\u00f6rhands-<span class=\"__12 _777\"> </span>justering<span class=\"__12 _777\"> </span>Om Nordeas \ufb01nansiella st\u00e4llning skull<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span>f\u00f6rs\u00e4mras eller om delt<span class=\"__12 _768\"/>agaren bryter mot<span class=\"__12 _777\"> </span>interna rik<span class=\"__12 _768\"/>tlinjer kan tilldelningen s\u00e4nkas<span class=\"__12 _777\"> </span>eller upph\u00e4v<span class=\"__12 _768\"/>as.<span class=\"__12 _777\"> </span>Om Nordeas \ufb01nansiella st\u00e4llning skull<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span>f\u00f6rs\u00e4mras eller om delt<span class=\"__12 _768\"/>agaren bryter mot<span class=\"__12 _777\"> </span>interna rik<span class=\"__12 _768\"/>tlinjer kan tilldelningen s\u00e4nkas<span class=\"__12 _777\"> </span>eller upph\u00e4v<span class=\"__12 _768\"/>as.<span class=\"__12 _777\"> </span>Om Nordeas \ufb01nansiella st\u00e4llning skull<span class=\"__12 _768\"/>e<span class=\"__12 _777\"> </span>f\u00f6rs\u00e4mras eller om delt<span class=\"__12 _768\"/>agaren bryter mot<span class=\"__12 _777\"> </span>interna rik<span class=\"__12 _768\"/>tlinjer kan tilldelningen s\u00e4nkas<span class=\"__12 _777\"> </span>eller upph\u00e4v<span class=\"__12 _768\"/>as.<span class=\"__12 _777\"> </span>Efterhands-<span class=\"__12 _777\"> </span>justering<span class=\"__12 _777\"> </span>\u00c5terkra<span class=\"__12 _768\"/>v kan till\u00e4mpas f\u00f6r liknande<span class=\"__12 _777\"> </span>situationer som efterhandsjust<span class=\"__12 _768\"/>eringar<span class=\"__12 _768\"/>.<span class=\"__12 _777\"> </span>\u00c5terkra<span class=\"__12 _768\"/>v kan till\u00e4mpas f\u00f6r liknande<span class=\"__12 _777\"> </span>situationer som efterhandsjust<span class=\"__12 _768\"/>eringar<span class=\"__12 _768\"/>.<span class=\"__12 _777\"> </span>\u00c5terkra<span class=\"__12 _768\"/>v kan till\u00e4mpas f\u00f6r liknande<span class=\"__12 _777\"> </span>situationer som efterhandsjust<span class=\"__12 _768\"/>eringar<span class=\"__12 _768\"/>.<span class=\"__12 _777\"> </span>L<span class=\"__12 _be_5\"/>TIP 2020-<span class=\"__12 _768\"/>2022 \u2013 V<span class=\"__12 _768\"/>erkligt v\u00e4r<span class=\"__12 _768\"/>de p\u00e5 tilldelningsdag och villkor<span class=\"__12 _768\"/>ade r\u00e4ttighet<span class=\"__12 _768\"/>er<span class=\"__12 _777\"> </span>V<span class=\"__12 _768\"/>erkligt v\u00e4rde p\u00e5 tilldelningsdag<span class=\"__12 _d0_4\"> </span>Intj\u00e4nandedag<span class=\"__12 _777\"> </span>K<span class=\"__12 _768\"/>v2 2023<span class=\"__12 _d1_4\"> </span>K<span class=\"__12 _768\"/>v2 2024<span class=\"__12 _d1_4\"> </span>K<span class=\"__12 _768\"/>v2 2025<span class=\"__12 _d1_4\"> </span>K<span class=\"__12 _768\"/>v2 2026<span class=\"__12 _867\"> </span>K<span class=\"__12 _768\"/>v2 2027<span class=\"__12 _6e_4\"> </span>Kv2 2028<span class=\"__12 _777\"> </span>H\u00f6gsta ant<span class=\"__12 _768\"/>alet aktier<span class=\"__12 _d2_4\"> </span>260 000<span class=\"__12 _6d_4\"> </span>78 000<span class=\"__12 _8e_4\"> </span>78 000<span class=\"__12 _6d_4\"> </span>78 000<span class=\"__12 _8e_4\"> </span>78 000<span class=\"__12 _6d_4\"> </span>78 000<span class=\"__12 _777\"> </span>Intj\u00e4nadeperiod, \u00e5r<span class=\"__12 _d3_4\"> </span>3<span class=\"__12 _d4_5\"> </span>4<span class=\"__12 _d5_4\"> </span>5<span class=\"__12 _d4_5\"> </span>6<span class=\"__12 _d6_4\"> </span>7<span class=\"__12 _d4_5\"> </span>8<span class=\"__12 _777\"> </span>aTSR<span class=\"__12 _d7_4\"> </span>1,40<span class=\"__12 _824\"> </span>1,31<span class=\"__12 _827\"> </span><span class=\"ls8_11 wsc_11\">1,23<span class=\"__12 _c8_5\"> </span></span>1,<span class=\"__12 _768\"/>16<span class=\"__12 _5a_4\"> </span>1,09<span class=\"__12 _827\"> </span>1,02<span class=\"__12 _777\"> </span>rTSR<span class=\"__12 _d8_5\"> </span>1,83<span class=\"__12 _c8_5\"> </span>1,71<span class=\"__12 _824\"> </span>1,61<span class=\"__12 _c8_5\"> </span>1,51<span class=\"__12 _827\"> </span>1,41<span class=\"__12 _827\"> </span>1,33<span class=\"__12 _777\"> </span>EPS<span class=\"__12 _d9_4\"> </span><span class=\"ls9_11 wsd_11\">4<span class=\"__12 _b_11\"/>,<span class=\"__12 _b_11\"/>74<span class=\"__12 _5a_4\"> </span></span>4,46<span class=\"__12 _827\"> </span>4,<span class=\"__12 _a_11\"/>19<span class=\"__12 _5a_4\"> </span>3,94<span class=\"__12 _818\"> </span>3,70<span class=\"__12 _854\"> </span>3,48<span class=\"__12 _777\"> </span>Villkorade r\u00e4<span class=\"__12 _768\"/>ttigheter<span class=\"__12 _780\"> </span>aTSR<span class=\"__12 _da_4\"> </span>rTSR<span class=\"__12 _db_4\"> </span>EPS<span class=\"__12 _777\"> </span>2022<span class=\"__12 _5a_4\"> </span>2021<span class=\"__12 _5a_4\"> </span>2022<span class=\"__12 _5a_4\"> </span>2021<span class=\"__12 _5a_4\"> </span>2022<span class=\"__12 _5a_4\"> </span>2021<span class=\"__12 _777\"> </span>Utest\u00e5ende vid \u00e5rets b\u00f6rjan<span class=\"__12 _b1_4\"> </span>216 667<span class=\"__12 _839\"> </span>216 667<span class=\"__12 _843\"> </span>216 667<span class=\"__12 _a7_5\"> </span>216 667<span class=\"__12 _843\"> </span>216 667<span class=\"__12 _a7_5\"> </span>216 667<span class=\"__12 _777\"> </span>Tilldelade<span class=\"__12 _dc_4\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _777\"> </span>F\u00f6rverkade<span class=\"__12 _1e_8\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _777\"> </span>Utest\u00e5ende vid \u00e5rets sl<span class=\"__12 _768\"/>ut<span class=\"__12 _de_4\"> </span>216 667<span class=\"__12 _839\"> </span>216 667<span class=\"__12 _df_4\"> </span>216 667<span class=\"__12 _839\"> </span>216 667<span class=\"__12 _df_4\"> </span>216 667<span class=\"__12 _839\"> </span>216 667<span class=\"__12 _777\"> </span>L<span class=\"__12 _be_5\"/>TIP 2021<span class=\"__12 _768\"/>-2023 \u2013 V<span class=\"__12 _a_11\"/>erkligt v\u00e4rde p\u00e5 tilldelningsdag och villkorade r<span class=\"__12 _768\"/>\u00e4ttigheter<span class=\"__12 _777\"> </span>V<span class=\"__12 _768\"/>erkligt v\u00e4rde p\u00e5 tilldelningsdag<span class=\"__12 _d0_4\"> </span>Intj\u00e4nandedag<span class=\"__12 _777\"> </span>K<span class=\"__12 _768\"/>v2 2024<span class=\"__12 _d1_4\"> </span>K<span class=\"__12 _768\"/>v2 2025<span class=\"__12 _d1_4\"> </span>K<span class=\"__12 _768\"/>v2 2026<span class=\"__12 _867\"> </span>K<span class=\"__12 _768\"/>v2 2027<span class=\"__12 _6e_4\"> </span>Kv2 2028<span class=\"__12 _6e_4\"> </span>Kv2 2029<span class=\"__12 _777\"> </span>H\u00f6gsta ant<span class=\"__12 _768\"/>alet aktier<span class=\"__12 _d2_4\"> </span>559 000<span class=\"__12 _df_4\"> </span>167 700<span class=\"__12 _839\"> </span>167 700<span class=\"__12 _839\"> </span>167 700<span class=\"__12 _df_4\"> </span>167 700<span class=\"__12 _839\"> </span>167 700<span class=\"__12 _777\"> </span>Intj\u00e4nandeperiod, \u00e5r<span class=\"__12 _e0_4\"> </span>3<span class=\"__12 _d4_5\"> </span>4<span class=\"__12 _d5_4\"> </span>5<span class=\"__12 _d4_5\"> </span>6<span class=\"__12 _d6_4\"> </span>7<span class=\"__12 _d4_5\"> </span>8<span class=\"__12 _777\"> </span>aTSR<span class=\"__12 _e1_4\"> </span>2,90<span class=\"__12 _827\"> </span><span class=\"ls3_11 ws3_11\">2,7<span class=\"__12 _b_11\"/>7<span class=\"__12 _5a_4\"> </span></span>2,64<span class=\"__12 _5d_4\"> </span>2,52<span class=\"__12 _827\"> </span>2,41<span class=\"__12 _5a_4\"> </span>2,30<span class=\"__12 _777\"> </span>rTSR<span class=\"__12 _8f_4\"> </span>2,38<span class=\"__12 _5d_4\"> </span>2,27<span class=\"__12 _824\"> </span>2,<span class=\"__12 _a_11\"/>16<span class=\"__12 _5a_4\"> </span>2,06<span class=\"__12 _827\"> </span>1,97<span class=\"__12 _818\"> </span>1,88<span class=\"__12 _777\"> </span>EPS<span class=\"__12 _6a_4\"> </span>6,45<span class=\"__12 _827\"> </span>6,<span class=\"__12 _768\"/>16<span class=\"__12 _854\"> </span>5,89<span class=\"__12 _818\"> </span>5,62<span class=\"__12 _5d_4\"> </span>5,37<span class=\"__12 _824\"> </span>5,<span class=\"__12 _768\"/>13<span class=\"__12 _777\"> </span>Villkorade r\u00e4<span class=\"__12 _768\"/>ttigheter<span class=\"__12 _780\"> </span>aTSR<span class=\"__12 _da_4\"> </span>rTSR<span class=\"__12 _db_4\"> </span>EPS<span class=\"__12 _777\"> </span>2022<span class=\"__12 _5a_4\"> </span>2021<span class=\"__12 _5a_4\"> </span>2022<span class=\"__12 _5a_4\"> </span>2021<span class=\"__12 _5a_4\"> </span>2022<span class=\"__12 _5a_4\"> </span>2021<span class=\"__12 _777\"> </span>Utest\u00e5ende vid \u00e5rets b\u00f6rjan<span class=\"__12 _e2_4\"> </span>488 333<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _867\"> </span>488 333<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _d1_4\"> </span>488 333<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _777\"> </span>Tilldelade<span class=\"__12 _dc_4\"> </span>\u2013<span class=\"__12 _d1_4\"> </span>4<span class=\"__12 _b_11\"/>88 333<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _d1_4\"> </span>488 333<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _867\"> </span>488 333<span class=\"__12 _777\"> </span>F\u00f6rverkade<span class=\"__12 _e3_4\"> </span>22 500<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _4b_4\"> </span>22 500<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _2a_6\"> </span>22 500<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _777\"> </span>Utest\u00e5ende vid \u00e5rets sl<span class=\"__12 _768\"/>ut<span class=\"__12 _e4_4\"> </span>465 833<span class=\"__12 _d1_4\"> </span>4<span class=\"__12 _b_11\"/>88 333<span class=\"__12 _867\"> </span>465 833<span class=\"__12 _d1_4\"> </span>488 333<span class=\"__12 _867\"> </span>465 833<span class=\"__12 _867\"> </span>488 333<span class=\"__12 _777\"> </span>Allm\u00e4nna villkor f<span class=\"__12 _768\"/>\u00f6r L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _777\"> </span>Villkoren f<span class=\"__12 _768\"/>\u00f6r f<span class=\"__12 _768\"/>\u00f6rhands- och efterhandsjusteringar s<span class=\"__12 _768\"/>om n\u00e4mns<span class=\"__12 _777\"> </span>i \u00f6versik<span class=\"__12 _768\"/>ten p\u00e5 f<span class=\"__12 _768\"/>\u00f6reg\u00e5ende sida anses in<span class=\"__12 _768\"/>te ha n\u00e5gon inv<span class=\"__12 _768\"/>erkan<span class=\"__12 _777\"> </span>p\u00e5 v\u00e4rderingen a<span class=\"__12 _768\"/>v tilldelade r\u00e4<span class=\"__12 _768\"/>ttigheter eller vilket da<span class=\"__12 _768\"/>tum<span class=\"__12 _777\"> </span>dessa tilldelas, eftersom sannolikheten \u00e4r l\u00e5g och sam<span class=\"__12 _768\"/>tliga<span class=\"__12 _777\"> </span>deltagare r<span class=\"__12 _768\"/>edan fr\u00e5n b\u00f6rjan \u00e4r medv<span class=\"__12 _768\"/>etna om dessa villkor<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>Allm\u00e4nna villkor<span class=\"__12 _a6_5\"> </span>L<span class=\"__12 _a_11\"/>TIP 2020-2022<span class=\"__12 _e5_4\"> </span>L<span class=\"__12 _a_11\"/>TIP 2021-<span class=\"__12 _768\"/>2023<span class=\"__12 _e6_4\"> </span>L<span class=\"__12 _a_11\"/>TIP 2022-202<span class=\"__12 _768\"/>4<span class=\"__12 _777\"> </span>Stamaktier per<span class=\"__12 _777\"> </span>r\u00e4ttighet<span class=\"__12 _e7_4\"> </span>1,0<span class=\"__12 _824\"> </span>1,0<span class=\"__12 _824\"> </span>1,0<span class=\"__12 _777\"> </span>Tilldelningsdag<span class=\"__12 _6d_4\"> </span>11 juni 2020<span class=\"__12 _e8_5\"> </span>31 mars 2021<span class=\"__12 _817\"> </span>31 mars 2022<span class=\"__12 _777\"> </span>Intj\u00e4nandeperiod<span class=\"__12 _854\"> </span>3\u20138  \u00e5r<span class=\"__12 _846\"> </span>3\u20138 \u00e5r<span class=\"__12 _846\"> </span>3\u20138 \u00e5r<span class=\"__12 _777\"> </span>V<span class=\"__12 _768\"/>atalets l\u00f6p<span class=\"__12 _768\"/>tid<span class=\"__12 _e9_5\"> </span>8 \u00e5r<span class=\"__12 _825\"> </span>8 \u00e5r<span class=\"__12 _822\"> </span>8 \u00e5r<span class=\"__12 _777\"> </span>\u00c5tkomst till f<span class=\"__12 _768\"/>\u00f6rsta<span class=\"__12 _777\"> </span>delen<span class=\"__12 _ea_5\"> </span>Kv2 202<span class=\"__12 _768\"/>4<span class=\"__12 _781\"> </span>K<span class=\"__12 _768\"/>v2 2025<span class=\"__12 _781\"> </span>K<span class=\"__12 _768\"/>v2 2026<span class=\"__12 _777\"> </span>Allm\u00e4nna villkor f<span class=\"__12 _768\"/>\u00f6r ber\u00e4kning a<span class=\"__12 _768\"/>v<span class=\"__12 _777\"> </span>v\u00e4rdet p\u00e5 tilldelningsdagen<span class=\"__12 _777\"> </span>Det verkliga v\u00e4r<span class=\"__12 _768\"/>det p\u00e5 r\u00e4ttighet<span class=\"__12 _768\"/>erna ber\u00e4knas med hj\u00e4lp a<span class=\"__12 _768\"/>v<span class=\"__12 _777\"> </span>Monte Carlo-simulering (rTSR och aT<span class=\"__12 _768\"/>SR) och en Black &amp;<span class=\"__12 _777\"> </span>Scholes-formel (EPS) d\u00e4r f<span class=\"__12 _768\"/>\u00f6ljande parametr<span class=\"__12 _768\"/>ar anv\u00e4nds:<span class=\"__12 _777\"> </span>Allm\u00e4nna villkor<span class=\"__12 _a6_5\"> </span>L<span class=\"__12 _a_11\"/>TIP 2020-2022<span class=\"__12 _e5_4\"> </span>L<span class=\"__12 _a_11\"/>TIP 2021-<span class=\"__12 _768\"/>2023<span class=\"__12 _e6_4\"> </span>L<span class=\"__12 _a_11\"/>TIP 2022-202<span class=\"__12 _768\"/>4<span class=\"__12 _777\"> </span>Viktad genomsnittlig<span class=\"__12 _777\"> </span>aktiekurs p\u00e5<span class=\"__12 _777\"> </span>tilldelningsdagen,<span class=\"__12 _777\"> </span>euro<span class=\"__12 _eb_4\"> </span>6,41<span class=\"__12 _819\"> </span>8<span class=\"__12 _b_11\"/>,41<span class=\"__12 _835\"> </span>9,38<span class=\"__12 _777\"> </span>L\u00f6senkurs, euro<span class=\"__12 _ec_4\"> </span>\u2013<span class=\"__12 _7e_4\"> </span>\u2013<span class=\"__12 _7e_4\"> </span>\u2013<span class=\"__12 _777\"> </span>F\u00f6rv\u00e4n<span class=\"__12 _768\"/>tad volatilitet<span class=\"__12 _2a_6\"> </span>29,<span class=\"__12 _a_11\"/><span class=\"__12 _777\">1 %1</span><span class=\"__12 _867\"> </span><span class=\"__12 _777\">31,3 %2</span><span class=\"__12 _6e_4\"> </span><span class=\"__12 _777\">33,3 %2<span class=\"__12 _777\"> </span></span>Intj\u00e4nandeperiod<span class=\"__12 _835\"> </span>Se ovan<span class=\"__12 _3f_6\"> </span>Se ovan<span class=\"__12 _1d_8\"> </span>Se ovan<span class=\"__12 _777\"> </span>F\u00f6rv\u00e4n<span class=\"__12 _768\"/>tad utdelning<span class=\"__12 _837\"> </span>6,2 %<span class=\"__12 _829\"> </span>6,6 %<span class=\"__12 _829\"> </span>4,2 %<span class=\"__12 _777\"> </span>Riskfri r\u00e4n<span class=\"__12 _768\"/>ta<span class=\"__12 _790\"> </span>0,0 %<span class=\"__12 _821\"> </span>0,0 %<span class=\"__12 _839\"> </span>0,<span class=\"__12 _b_11\"/>28 %<span class=\"__12 _777\"> </span>1) Den f\u00f6rv\u00e4ntade v<span class=\"__12 _768\"/>olatiliteten grundas p\u00e5 Nordeaak<span class=\"__12 _768\"/>tiens historiska, dagliga k<span class=\"__12 _768\"/>ursvolatilitet<span class=\"__12 _777\"> </span><span class=\"__12 _777\">under en tre\u00e5rsperiod, som uppgick till 33,9 procent. Denna siffra har jus</span><span class=\"__12 _768\"/>terats f<span class=\"__12 _768\"/>\u00f6r<span class=\"__12 _777\"> </span>eng\u00e5ngsh\u00e4ndelser (covid-19) s<span class=\"__12 _768\"/>om inte f<span class=\"__12 _768\"/>\u00f6rv\u00e4ntas intr<span class=\"__12 _768\"/><span class=\"__12 _777\">\u00e4ffa igen. Det inneb\u00e4r a</span><span class=\"__12 _768\"/>tt den f\u00f6r-<span class=\"__12 _777\"> </span>v\u00e4ntade v<span class=\"__12 _768\"/>olatiliteten grundar sig p\u00e5 bolagets historisk<span class=\"__12 _768\"/>a kursvolatilitet f<span class=\"__12 _768\"/>\u00f6re mars 2020<span class=\"__12 _777\"> </span>och Nordea har exkluder<span class=\"__12 _768\"/>at perioden med st\u00f6rst k<span class=\"__12 _768\"/>ursvolatilitet fr<span class=\"__12 _768\"/>\u00e5n ber\u00e4kningen av f<span class=\"__12 _768\"/>\u00f6r<span class=\"__12 _777\"> </span>-<span class=\"__12 _777\"> </span>v\u00e4ntad v<span class=\"__12 _768\"/>olatilitet p\u00e5 tilldelningsdagen (det vill s\u00e4ga perioden 9 mars 2020 till 25 mars<span class=\"__12 _777\"> </span>2020). Detta resulterar i en his<span class=\"__12 _768\"/>torisk kursvolatilit<span class=\"__12 _768\"/>et f\u00f6r ak<span class=\"__12 _768\"/>tien p\u00e5 29,<span class=\"__12 _768\"/>1 procen<span class=\"__12 _768\"/>t.<span class=\"__12 _777\"> </span>2) Den f\u00f6rv\u00e4ntade v<span class=\"__12 _768\"/>olatiliteten grundas p\u00e5 Nordeaak<span class=\"__12 _768\"/>tiens historiska, dagliga k<span class=\"__12 _768\"/>ursvolatilitet<span class=\"__12 _777\"> </span>under en tre\u00e5rsperiod.<span class=\"__12 _777\"> </span>L\u00e5ngsik<span class=\"__12 _768\"/>tiga incitamentspr<span class=\"__12 _768\"/>ogram som l\u00f6p<span class=\"__12 _768\"/>t ut \u2013 2012<span class=\"__12 _777\"> </span>L<span class=\"__12 _be_5\"/>TIP 2012 hade i maj 2015 kostnadsf<span class=\"__12 _768\"/>\u00f6rts i sin helhet. Samtliga<span class=\"__12 _777\"> </span>aktier enligt L<span class=\"__12 _be_5\"/>TIP 2012 \u00e4r f<span class=\"__12 _768\"/>ullt in<span class=\"__12 _768\"/>tj\u00e4nade och d\u00e4rmed inte vill<span class=\"__12 _768\"/>-<span class=\"__12 _777\"> </span>korade. 60 proc<span class=\"__12 _768\"/>ent a<span class=\"__12 _768\"/>v de in<span class=\"__12 _768\"/>tj\u00e4nade aktierna om<span class=\"__12 _768\"/>f<span class=\"__12 _768\"/>attades a<span class=\"__12 _768\"/>v<span class=\"__12 _777\"> </span>uppskjutanderegler<span class=\"__12 _a_11\"/>, med m\u00f6jlighet till nedjustering av upp-<span class=\"__12 _777\"> </span>skjuten ers\u00e4ttning i enlighet med g\u00e4llande f<span class=\"__12 _768\"/>\u00f6reskrifter<span class=\"__12 _a_11\"/>, och<span class=\"__12 _777\"> </span>tilldelades under en fem\u00e5rsperiod, med st<span class=\"__12 _768\"/>art i maj 2015. Inga<span class=\"__12 _777\"> </span>f\u00f6r<span class=\"__12 _768\"/>\u00e4ndringar har skett i det utes<span class=\"__12 _768\"/>t\u00e5ende saldot a<span class=\"__12 _768\"/>v ak<span class=\"__12 _768\"/>tier mellan<span class=\"__12 _777\"> </span>2021 och 2022. Det utest\u00e5ende saldo<span class=\"__12 _768\"/>t a<span class=\"__12 _768\"/>v aktier l\u00e5g kv<span class=\"__12 _768\"/>ar p\u00e5<span class=\"__12 _777\"> </span>2 203 matchningsak<span class=\"__12 _768\"/>tier<span class=\"__12 _a_11\"/>, 6 608 prestationsak<span class=\"__12 _768\"/>tier I och<span class=\"__12 _777\"> </span><span class=\"__12 _777\">2 203 presta</span><span class=\"__12 _768\"/>tionsaktier II vid ut<span class=\"__12 _768\"/>g\u00e5ngen av 2022.<span class=\"__12 _777\"> </span>Aktier<span class=\"__12 _768\"/>elater<span class=\"__12 _768\"/>ade program f<span class=\"__12 _a_11\"/>\u00f6r r\u00f6rlig<span class=\"__12 _777\"> </span>ers\u00e4ttning \u2013 andra \u00e4n L<span class=\"__12 _be_5\"/>TIP<span class=\"__12 _777\"> </span>Detta avsnitt be<span class=\"__12 _768\"/>skriver de ak<span class=\"__12 _768\"/>tierelater<span class=\"__12 _768\"/>ade progr<span class=\"__12 _768\"/>am f\u00f6r r<span class=\"__12 _768\"/>\u00f6rlig<span class=\"__12 _777\"> </span>ers\u00e4ttning d\u00e4r index<span class=\"__12 _768\"/>ering till Nordeaak<span class=\"__12 _768\"/>tiens to<span class=\"__12 _768\"/>talavk<span class=\"__12 _768\"/>astning<span class=\"__12 _777\"> </span>(kont<span class=\"__12 _768\"/>antregler<span class=\"__12 _768\"/>at progr<span class=\"__12 _768\"/>am fr<span class=\"__12 _768\"/>am till 2018) och ers\u00e4ttning i form<span class=\"__12 _777\"> </span>av ak<span class=\"__12 _768\"/>tier (eget kapit<span class=\"__12 _768\"/>al-regler<span class=\"__12 _768\"/>at progr<span class=\"__12 _768\"/>am fr\u00e5n 2019) an<span class=\"__12 _768\"/>v\u00e4nds<span class=\"__12 _777\"> </span>f\u00f6r uppskjutande/kv<span class=\"__12 _768\"/>arh\u00e5llande a<span class=\"__12 _768\"/>v ers\u00e4ttningen. F\u00f6r r<span class=\"__12 _768\"/>esulta<span class=\"__12 _768\"/>t-<span class=\"__12 _777\"> </span>m\u00e4tnings\u00e5ret 2022, klassi\ufb01cer<span class=\"__12 _768\"/>as progr<span class=\"__12 _768\"/>ammen som: Nordea<span class=\"__12 _777\"> </span>incentiv<span class=\"__12 _768\"/>e programme (NIP), s<span class=\"__12 _768\"/>om skapades genom samman-<span class=\"__12 _777\"> </span>slagning av e<span class=\"__12 _768\"/>x<span class=\"__12 _768\"/>ecutive incen<span class=\"__12 _768\"/>tive progr<span class=\"__12 _768\"/>amme (EIP), r\u00f6rlig l\u00f6ne-<span class=\"__12 _777\"> </span>del (variable salary part<span class=\"__12 _b_11\"/>, VSP) och bonusprogram.<span class=\"__12 _777\"> </span>Programmen \u00e4r \u00e5rliga planer med ett tj\u00e4ns<span class=\"__12 _768\"/>tg\u00f6ringsvillkor<span class=\"__12 _777\"> </span>f\u00f6r r<span class=\"__12 _768\"/>espektiv<span class=\"__12 _768\"/>e \u00e5r<span class=\"__12 _a_11\"/>, och de kostnadsf\u00f6rs alla i sin helhet under<span class=\"__12 _777\"> </span>det \u00e5r de intj\u00e4nas (<span class=\"__12 _768\"/>ett\u00e5rig intj\u00e4nandeperiod). De individuella<span class=\"__12 _777\"> </span>tilldelningarna g\u00f6rs i b\u00f6rjan av det efterf<span class=\"__12 _768\"/>\u00f6ljande \u00e5ret.<span class=\"__12 _777\"> </span>Nordea inf<span class=\"__12 _768\"/>\u00f6rde NIP<span class=\"__12 _768\"/> 2022 som en vidareutv<span class=\"__12 _768\"/>eckling a<span class=\"__12 _768\"/>v EIP<span class=\"__12 _777\"> </span>och VSP<span class=\"__12 _a_11\"/>. Syftet med NIP \u00e4r a<span class=\"__12 _768\"/>tt st\u00e4rka Nordeas m\u00f6jlighet<span class=\"__12 _768\"/>er att<span class=\"__12 _777\"> </span>rekrytera, motiv<span class=\"__12 _768\"/>era och beh\u00e5lla konc<span class=\"__12 _768\"/>ernledning, seniora<span class=\"__12 _777\"> </span>befa<span class=\"__12 _768\"/>ttningshav<span class=\"__12 _768\"/>are sam<span class=\"__12 _768\"/>t utvalda ledare och specialis<span class=\"__12 _768\"/>ter<span class=\"__12 _a_11\"/>, och<span class=\"__12 _777\"> </span>att bel\u00f6na goda pres<span class=\"__12 _768\"/>tationer och insa<span class=\"__12 _768\"/>tser<span class=\"__12 _a_11\"/>. NIP 2022 ska bel\u00f6-<span class=\"__12 _777\"> </span>na uppfyllelsen a<span class=\"__12 _768\"/>v i f\u00f6rv\u00e4g \u00f6<span class=\"__12 _768\"/>verensk<span class=\"__12 _768\"/>omna m\u00e5l p\u00e5 koncern-<span class=\"__12 _777\"> </span><span class=\"__12 _777\">niv\u00e5, aff</span><span class=\"__12 _768\"/>\u00e4rsenhetsniv\u00e5 och individuell niv\u00e5. Hur r<span class=\"__12 _768\"/>esulta<span class=\"__12 _768\"/>tet<span class=\"__12 _777\"> </span>p\u00e5v<span class=\"__12 _768\"/>erkas p\u00e5 l\u00e5ng sikt sk<span class=\"__12 _768\"/>a beaktas n\u00e4r m\u00e5len besl<span class=\"__12 _768\"/>utas. <span class=\"__12 _768\"/>Tilldel-<span class=\"__12 _777\"> </span>ningen fr\u00e5n NIP<span class=\"__12 _768\"/> ska in<span class=\"__12 _768\"/>te \u00f6v<span class=\"__12 _768\"/>erstiga den fas<span class=\"__12 _768\"/>ta l\u00f6nen och ers\u00e4tt-<span class=\"__12 _777\"> </span>ningen omf<span class=\"__12 _768\"/>attas a<span class=\"__12 _768\"/>v en uppskjutandeperiod f<span class=\"__12 _768\"/>\u00f6r materiella<span class=\"__12 _777\"> </span>risktagar<span class=\"__12 _768\"/>e. Dessutom till\u00e4mpas f<span class=\"__12 _768\"/>\u00f6rhands- och efterhandsjus-<span class=\"__12 _777\"> </span>teringsregler och f<span class=\"__12 _768\"/>\u00f6rfogander<span class=\"__12 _768\"/>estrik<span class=\"__12 _768\"/>tioner i enlighet med g\u00e4l-<span class=\"__12 _777\"> </span>lande f\u00f6r<span class=\"__12 _768\"/>eskrifter<span class=\"__12 _a_11\"/>.<span class=\"__12 _777\"> </span>Bonusprogram erbj\u00f6ds under 2022 enbart till utvalda grup-<span class=\"__12 _777\"> </span>per av medarbetar<span class=\"__12 _768\"/><span class=\"__12 _777\">e inom speci\ufb01ka aff</span><span class=\"__12 _768\"/>\u00e4rsomr\u00e5den eller enhe-<span class=\"__12 _777\"> </span>ter efter godk\u00e4nnande a<span class=\"__12 _768\"/>v styr<span class=\"__12 _768\"/>elsen, till ex<span class=\"__12 _768\"/>empel inom Lar<span class=\"__12 _768\"/>ge<span class=\"__12 _777\"> </span>Corporat<span class=\"__12 _768\"/>es &amp; Institutions, Nordea<span class=\"ws16_11\"> Asset Management, </span>Nordea<span class=\"__12 _777\"> </span>Funds och inom <span class=\"__12 _a_11\"/>T<span class=\"__12 _a_11\"/>reasury i Group Finance. Syftet \u00e4r att s\u00e4ker-<span class=\"__12 _777\"> </span>st\u00e4lla en st<span class=\"__12 _768\"/>ark presta<span class=\"__12 _768\"/>tion och uppr\u00e4<span class=\"__12 _768\"/>tth\u00e5lla kostnadsfle<span class=\"__12 _768\"/>xibilitet<span class=\"__12 _777\"> </span>L<span class=\"__12 _be_5\"/>TIP 2022-<span class=\"__12 _768\"/>2024 \u2013 V<span class=\"__12 _a_11\"/>erkligt v\u00e4rde p\u00e5 tilldelningsdag och villkor<span class=\"__12 _768\"/>ade r\u00e4ttighet<span class=\"__12 _768\"/>er<span class=\"__12 _777\"> </span>V<span class=\"__12 _768\"/>erkligt v\u00e4rde p\u00e5 tilldelningsdag<span class=\"__12 _d0_4\"> </span>Intj\u00e4nandedag<span class=\"__12 _777\"> </span>K<span class=\"__12 _768\"/>v2 2025<span class=\"__12 _d1_4\"> </span>K<span class=\"__12 _768\"/>v2 2026<span class=\"__12 _867\"> </span>K<span class=\"__12 _768\"/>v2 2027<span class=\"__12 _6e_4\"> </span>Kv2 2028<span class=\"__12 _6e_4\"> </span>Kv2 2029<span class=\"__12 _6e_4\"> </span>K<span class=\"__12 _768\"/>v2 2030<span class=\"__12 _777\"> </span>H\u00f6gsta ant<span class=\"__12 _768\"/>alet av ak<span class=\"__12 _768\"/>tier<span class=\"__12 _794\"> </span>614 000<span class=\"__12 _867\"> </span>184 200<span class=\"__12 _783\"> </span>184 200<span class=\"__12 _783\"> </span>184 200<span class=\"__12 _783\"> </span>184 200<span class=\"__12 _867\"> </span>184 200<span class=\"__12 _777\"> </span>Intj\u00e4nandeperiod, \u00e5r<span class=\"__12 _e0_4\"> </span>3<span class=\"__12 _d4_5\"> </span>4<span class=\"__12 _d5_4\"> </span>5<span class=\"__12 _d4_5\"> </span>6<span class=\"__12 _d6_4\"> </span>7<span class=\"__12 _d4_5\"> </span>8<span class=\"__12 _777\"> </span>aTSR<span class=\"__12 _ed_4\"> </span>3,<span class=\"__12 _768\"/>11<span class=\"__12 _854\"> </span>2,98<span class=\"__12 _5a_4\"> </span>2,86<span class=\"__12 _827\"> </span><span class=\"ls9_11 wsd_11\">2<span class=\"__12 _b_11\"/>,<span class=\"__12 _b_11\"/>74<span class=\"__12 _5d_4\"> </span></span>2,62<span class=\"__12 _5d_4\"> </span>2,52<span class=\"__12 _777\"> </span>rTSR<span class=\"__12 _8f_4\"> </span>2,58<span class=\"__12 _818\"> </span>2,47<span class=\"__12 _5d_4\"> </span>2,37<span class=\"__12 _827\"> </span>2,27<span class=\"__12 _c8_5\"> </span><span class=\"lsf_10 ws17_10\">2<span class=\"__12 _b_11\"/>,1<span class=\"__12 _b_11\"/>7<span class=\"__12 _818\"> </span></span>2,08<span class=\"__12 _777\"> </span>EPS<span class=\"__12 _7c_4\"> </span><span class=\"ls8_11 wsc_11\">7<span class=\"__12 _a_11\"/>,23<span class=\"__12 _854\"> </span><span class=\"ls0_12 ws0_12\">6,93<span class=\"__12 _5a_4\"> </span>6,65<span class=\"__12 _854\"> </span>6,38<span class=\"__12 _824\"> </span>6,<span class=\"__12 _a_11\"/>12<span class=\"__12 _818\"> </span>5.87<span class=\"__12 _777\"> </span></span></span>Villkorade r\u00e4<span class=\"__12 _768\"/>ttigheter<span class=\"__12 _bc_4\"> </span>aTSR<span class=\"__12 _7b_4\"> </span>rTSR<span class=\"__12 _5d_4\"> </span>EPS<span class=\"__12 _777\"> </span>2022<span class=\"__12 _854\"> </span>2022<span class=\"__12 _5a_4\"> </span>2022<span class=\"__12 _777\"> </span>Tilldelade<span class=\"__12 _ee_5\"> </span>511 667<span class=\"__12 _846\"> </span>511 667<span class=\"__12 _846\"> </span>511 667<span class=\"__12 _777\"> </span>F\u00f6rverkade<span class=\"__12 _1e_8\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _dd_5\"> </span>\u2013<span class=\"__12 _777\"> </span>Utst\u00e5ende vid \u00e5rets slut<span class=\"__12 _b6_5\"> </span>511 667<span class=\"__12 _846\"> </span>511 667<span class=\"__12 _846\"> </span>511 667<span class=\"__12 _777\"> </span>f\u00f6r Nor<span class=\"__12 _768\"/>dea. Individuell tilldelning fas<span class=\"__12 _768\"/>tst\u00e4lls utifr<span class=\"__12 _768\"/>\u00e5n detaljerade<span class=\"__12 _777\"> </span>presta<span class=\"__12 _768\"/>tionsbed\u00f6mningar som omf<span class=\"__12 _768\"/>att<span class=\"__12 _768\"/>ar en rad \ufb01nansiella och<span class=\"__12 _777\"> </span>icke-\ufb01nansiella m\u00e5l. Tilldelning f<span class=\"__12 _768\"/>r\u00e5n bonusprogr<span class=\"__12 _768\"/>am f<span class=\"__12 _768\"/>\u00f6r 2021<span class=\"__12 _777\"> </span>betalades kon<span class=\"__12 _768\"/>tant. F\u00f6r ma<span class=\"__12 _768\"/>teriella risk<span class=\"__12 _768\"/>tagare g\u00f6rs tilldelningen<span class=\"__12 _777\"> </span>till viss del i aktier<span class=\"__12 _a_11\"/>, med efterf\u00f6ljande kvarh\u00e5llandeperiod.<span class=\"__12 _777\"> </span>Delar av tilldelningen f<span class=\"__12 _768\"/>\u00f6r mat<span class=\"__12 _768\"/>eriella risktagar<span class=\"__12 _768\"/>e omf<span class=\"__12 _768\"/>attas a<span class=\"__12 _a_11\"/>v en<span class=\"__12 _777\"> </span>uppskjutandeperiod om fyra till f<span class=\"__12 _768\"/>em \u00e5r<span class=\"__12 _a_11\"/>, med j\u00e4mn f\u00f6rdelning<span class=\"__12 _777\"> </span>av utbetalningarna och till\u00e4mpning a<span class=\"__12 _a_11\"/>v villkor f\u00f6r f\u00f6rverkande<span class=\"__12 _777\"> </span>(justering a<span class=\"__12 _768\"/>v uppskjuten ers\u00e4ttning) under perioden.<span class=\"__12 _777\"> </span>T<span class=\"__12 _a_11\"/>abellerna nedan visar uppskjuten ers\u00e4ttning fr<span class=\"__12 _768\"/>\u00e5n NIP<span class=\"__12 _a_11\"/>, EIP<span class=\"__12 _a_11\"/>,<span class=\"__12 _777\"> </span>r\u00f6rlig l\u00f6nedel och bonusprogr<span class=\"__12 _768\"/>am som \u00e4nnu int<span class=\"__12 _768\"/>e hade betalats<span class=\"__12 _777\"> </span>till deltagarna den 31 december 2022. H\u00e4r ing\u00e5r \u00e4<span class=\"__12 _768\"/>ven upp-<span class=\"__12 _777\"> </span>skjuten ers\u00e4ttning fr<span class=\"__12 _768\"/>\u00e5n L<span class=\"__12 _be_5\"/>TV (erbj\u00f6ds 2018\u20132019) och uppskju-<span class=\"__12 _777\"> </span>ten ers\u00e4ttning fr<span class=\"__12 _768\"/>\u00e5n kompensation f<span class=\"__12 _768\"/>\u00f6r a<span class=\"__12 _768\"/>vtal i tidigare ans<span class=\"__12 _768\"/>t\u00e4ll-<span class=\"__12 _777\"> </span>ningar (utk\u00f6p). S\u00e5dana a<span class=\"__12 _768\"/>vtal kan i undan<span class=\"__12 _768\"/>tagsf<span class=\"__12 _768\"/>all erbjudas i<span class=\"__12 _777\"> </span>samband med rekrytering och \u00e4r begr\u00e4nsade till det f<span class=\"__12 _768\"/>\u00f6rsta<span class=\"__12 _777\"> </span>anst\u00e4llnings\u00e5ret.<span class=\"__12 _777\"> </span>Uppskjutna belopp avs<span class=\"__12 _768\"/>eende  aktier<span class=\"__12 _768\"/>elater<span class=\"__12 _768\"/>ad<span class=\"__12 _777\"> </span>ers\u00e4ttning (kon<span class=\"__12 _768\"/>tantr<span class=\"__12 _768\"/>eglerade) 201<span class=\"__12 _768\"/>4\u20132018<span class=\"__12 _777\"> </span>T<span class=\"__12 _a_11\"/>abellen nedan visar utest\u00e5ende sk<span class=\"__12 _768\"/>ulder f\u00f6r ak<span class=\"__12 _768\"/>tierela<span class=\"__12 _768\"/>terade<span class=\"__12 _777\"> </span>program med kon<span class=\"__12 _768\"/>tan<span class=\"__12 _768\"/>treglering som f<span class=\"__12 _768\"/>\u00f6rek<span class=\"__12 _768\"/>om 2014\u2013<span class=\"__12 _768\"/><span class=\"__12 _777\">2018:<span class=\"__12 _777\"> </span></span>Mn euro<span class=\"__12 _c_11\"> </span>2022<span class=\"__12 _d_11\"> </span>2021<span class=\"__12 _777\"> </span>Vid \u00e5rets b\u00f6rjan<span class=\"__12 _a9_5\"> </span><span class=\"ls3_11 ws3_11\">24<span class=\"__12 _a7_5\"> </span></span>32<span class=\"__12 _777\"> </span>Uppskjuten/intj\u00e4nad under \u00e5ret<span class=\"__12 _ef_4\"> </span>1<span class=\"__12 _821\"> </span>1<span class=\"__12 _777\"> </span>TSR-inde<span class=\"__12 _768\"/>xering under \u00e5r<span class=\"__12 _768\"/>et<span class=\"__12 _da_4\"> </span><span class=\"ls3_11 ws3_11\">-2<span class=\"__12 _a7_5\"> </span></span>16<span class=\"__12 _777\"> </span>Utbetalningar under \u00e5ret<span class=\"__12 _f0_5\"> </span><span class=\"ls4_11 ws8_11\">-16<span class=\"__12 _a0_4\"> </span><span class=\"ls3_11 ws3_11\">-2<span class=\"__12 _b_11\"/>5<span class=\"__12 _777\"> </span></span></span><span class=\"__12 _777\">Omr\u00e4kningsdiff</span><span class=\"__12 _768\"/>erenser<span class=\"__12 _f1_4\"> </span>0<span class=\"__12 _8e_4\"> </span>0<span class=\"__12 _777\"> </span>Vid \u00e5rets slut<span class=\"__12 _f2_4\"> </span>7<span class=\"__12 _867\"> </span><span class=\"ls3_11 ws3_11\">24<span class=\"__12 _777\"> </span></span>De utg\u00e5ende balanserna f<span class=\"__12 _768\"/>\u00f6rv\u00e4ntas r<span class=\"__12 _768\"/>egleras under f<span class=\"__12 _768\"/>\u00f6ljande \u00e5r:<span class=\"__12 _777\"> </span>Mn euro<span class=\"__12 _c_11\"> </span>2022<span class=\"__12 _d_11\"> </span>2021<span class=\"__12 _777\"> </span>2022<span class=\"__12 _f3_4\"> </span>\u2013<span class=\"__12 _df_4\"> </span><span class=\"ls4_11 ws8_11\">17<span class=\"__12 _777\"> </span></span>2023<span class=\"__12 _845\"> </span>3<span class=\"__12 _4b_4\"> </span>3<span class=\"__12 _777\"> </span>2024<span class=\"__12 _f3_4\"> </span>3<span class=\"__12 _2a_6\"> </span>3<span class=\"__12 _777\"> </span>2025<span class=\"__12 _830\"> </span>1<span class=\"__12 _829\"> </span>1<span class=\"__12 _777\"> </span>2026<span class=\"__12 _f3_4\"> </span>0<span class=\"__12 _8e_4\"> </span>0<span class=\"__12 _777\"> </span>2027<span class=\"__12 _f4_4\"> </span>0<span class=\"__12 _8e_4\"> </span>0<span class=\"__12 _777\"> </span>2028<span class=\"__12 _f3_4\"> </span>0<span class=\"__12 _6d_4\"> </span>\u2013<span class=\"__12 _777\"> </span>Summa<span class=\"__12 _f5_4\"> </span>7<span class=\"__12 _867\"> </span><span class=\"ls3_11 ws3_11\">24<span class=\"__12 _777\"> </span></span>Uppskjutna belopp avs<span class=\"__12 _768\"/>eende aktier<span class=\"__12 _768\"/>elater<span class=\"__12 _768\"/>ade program<span class=\"__12 _777\"> </span>(reglerade med eget kapit<span class=\"__12 _768\"/>al-instrumen<span class=\"__12 _768\"/>t) 2019\u2013<span class=\"__12 _768\"/>2021<span class=\"__12 _777\"> </span>Fr<span class=\"__12 _768\"/>\u00e5n och med 2019 regleras ak<span class=\"__12 _768\"/>tierela<span class=\"__12 _768\"/>terade pr<span class=\"__12 _768\"/>ogram f<span class=\"__12 _768\"/>\u00f6r r\u00f6rlig<span class=\"__12 _777\"> </span>ers\u00e4ttning delvis kon<span class=\"__12 _768\"/>tan<span class=\"__12 _768\"/>t och delvis med Nordeaak<span class=\"__12 _768\"/>tier<span class=\"__12 _a_11\"/>, vilket<span class=\"__12 _777\"> </span>inneb\u00e4r att den del som betalas i Nordeaak<span class=\"__12 _768\"/>tier \u00e4r ett ak<span class=\"__12 _768\"/>tiere-<span class=\"__12 _777\"> </span>later<span class=\"__12 _768\"/>at progr<span class=\"__12 _768\"/>am som regleras med eget k<span class=\"__12 _768\"/>apital-instrumen<span class=\"__12 _768\"/>t.<span class=\"__12 _777\"> </span>Tilldelningen av ak<span class=\"__12 _768\"/>tier enligt progr<span class=\"__12 _768\"/>ammen f\u00f6r 2022 k<span class=\"__12 _768\"/>ommer<span class=\"__12 _777\"> </span>att beslutas under v<span class=\"__12 _768\"/>\u00e5ren 2023, och ing\u00e5r d\u00e4rmed inte i t<span class=\"__12 _768\"/>abel-<span class=\"__12 _777\"> </span>lerna nedan. Den har dock kostnadsf<span class=\"__12 _768\"/>\u00f6rts i sin helhet i resul-<span class=\"__12 _777\"> </span>tatr\u00e4kningen f<span class=\"__12 _768\"/>\u00f6r 2022.<span class=\"__12 _777\"> </span>Antal aktier<span class=\"__12 _f7_4\"> </span>2022<span class=\"__12 _846\"> </span>2021<span class=\"__12 _777\"> </span>Utest\u00e5ende vid \u00e5rets b\u00f6rjan<span class=\"__12 _8d_4\"> </span>2 523 663<span class=\"__12 _810\"> </span>1 219 284<span class=\"__12 _777\"> </span><span class=\"__12 _777\">Tilldelade1</span><span class=\"__12 _f8_4\"> </span>2 243 143<span class=\"__12 _806\"> </span>3 108 905<span class=\"__12 _777\"> </span>F\u00f6rverkade<span class=\"__12 _f9_4\"> </span>-2 823<span class=\"__12 _fa_4\"> </span>-23 899<span class=\"__12 _777\"> </span><span class=\"__12 _777\">Erh\u00e5llna2</span><span class=\"__12 _b8_4\"> </span>-1 796 442<span class=\"__12 _fb_4\"> </span>-1 780 627<span class=\"__12 _777\"> </span>Utest\u00e5ende vid \u00e5rets sl<span class=\"__12 _768\"/>ut <span class=\"__12 _fc_5\"> </span>2 967 541<span class=\"__12 _809\"> </span> 2 523 663<span class=\"__12 _777\"> </span>V<span class=\"__12 _768\"/>ara<span class=\"__12 _768\"/>v inl\u00f6senbara<span class=\"__12 _b8_4\"> </span>\u2013<span class=\"__12 _7b_4\"> </span>\u2013<span class=\"__12 _777\"> </span>1)   <span class=\"__12 _786\"/>Tilldelade r\u00e4ttighet<span class=\"__12 _768\"/>er 2022 avser an<span class=\"__12 _768\"/>talet aktier fr<span class=\"__12 _768\"/>\u00e5n programmen med r\u00f6rlig ers\u00e4ttning<span class=\"__12 _777\"> </span>f\u00f6r 2021 som tilldelades 2022 <span class=\"__12 _768\"/>Tilldelningen a<span class=\"__12 _768\"/>v r\u00e4ttigheter har skjutits upp till f<span class=\"__12 _768\"/>\u00f6ljd av<span class=\"__12 _777\"> </span>uppskjutande <span class=\"__12 _786\"/> och kvarh\u00e5llanderestrik<span class=\"__12 _768\"/>tioner enligt de nordiska \ufb01nansinspektionernas<span class=\"__12 _777\"> </span>regleringar<span class=\"__12 _768\"/>. De uppskjutna r\u00e4ttighet<span class=\"__12 _768\"/>erna har inte n\u00e5gon l\u00f6senk<span class=\"__12 _768\"/>urs.<span class=\"__12 _777\"> </span>2)   <span class=\"__12 _786\"/>Tilldelade r\u00e4ttighet<span class=\"__12 _768\"/>er omfa<span class=\"__12 _768\"/>ttas av en kv<span class=\"__12 _768\"/>arh\u00e5llandeperiod om ett \u00e5r efter \u00f6verl\u00e5t<span class=\"__12 _768\"/>elsen<span class=\"__12 _777\"> </span>till deltagarna. Inkluderar ak<span class=\"__12 _768\"/>tier som har erh\u00e5llits av delt<span class=\"__12 _768\"/>agarna men h\u00e5llits inne f\u00f6r<span class=\"__12 _777\"> </span>att t\u00e4cka inkomstska<span class=\"__12 _768\"/>tt eller sociala av<span class=\"__12 _768\"/>gifter<span class=\"__12 _768\"/>.<span class=\"__12 _777\"> </span>\u00d6verl\u00e5tels<span class=\"__12 _768\"/>e av ut<span class=\"__12 _768\"/>est\u00e5ende r<span class=\"__12 _768\"/>\u00e4ttigheter f<span class=\"__12 _768\"/>\u00f6rv\u00e4nt<span class=\"__12 _768\"/>as ske f<span class=\"__12 _768\"/>\u00f6ljande \u00e5r:<span class=\"__12 _777\"> </span>2022<span class=\"__12 _d_11\"> </span>2021<span class=\"__12 _777\"> </span>2022<span class=\"__12 _f3_4\"> </span>\u2013<span class=\"__12 _814\"> </span>807 845<span class=\"__12 _777\"> </span>2023<span class=\"__12 _fd_4\"> </span>1 179 841<span class=\"__12 _4c_4\"> </span>879 090<span class=\"__12 _777\"> </span>2024<span class=\"__12 _fe_4\"> </span>823 7<span class=\"__12 _b_11\"/>24<span class=\"__12 _4a_4\"> </span>5<span class=\"__12 _b_11\"/>20 251<span class=\"__12 _777\"> </span>2025<span class=\"__12 _a1_4\"> </span>512 699<span class=\"__12 _798\"> </span>213 764<span class=\"__12 _777\"> </span>2026<span class=\"__12 _fe_4\"> </span>399 361<span class=\"__12 _812\"> </span>102 713<span class=\"__12 _777\"> </span>2027<span class=\"__12 _855\"> </span>51 916<span class=\"__12 _8e_4\"> </span>\u2013<span class=\"__12 _777\"> </span>Summa<span class=\"__12 _e3_4\"> </span>2 967 541<span class=\"__12 _3b_6\"> </span>2 523 663<span class=\"__12 _777\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSharebasedPaymentArrangementsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-706": {
   "value": "K8.4   Ers\u00e4ttningar till nyckelpersoner i ledande positioner Redovisningsprinciper F\u00f6r information om redovisningsprinciperna, se not K8.1 \u201dFast och r\u00f6rlig l\u00f6n\u201d, not K8.2 \u201dPensioner\u201d och not K8.3 \u201dAktierelate- rade ers\u00e4ttningsprogram\u201d. F\u00f6r de\ufb01nition av nyckelpersoner i ledande positioner, se not K10.4 \u201dTransaktioner med n\u00e4rst\u00e5ende\u201d. Styrelsearvode \u00c5rsst\u00e4mman 2022 fastst\u00e4llde styrelsens \u00e5rsarvode enligt f\u00f6l- jande: ordf\u00f6randen 340 000 euro, vice ordf\u00f6randen 160 000 euro och \u00f6vriga ledam\u00f6ter 102 000 euro. D\u00e4rut\u00f6ver utg\u00e5r \u00e5rsarvode f\u00f6r arbete i styrelsens drifts- och h\u00e5llbarhetskommitt\u00e9, revisionskommitt\u00e9 och riskkommit- t\u00e9 motsvarande 65 000 euro f\u00f6r kommitt\u00e9ernas ordf\u00f6rande och 32 500 euro f\u00f6r \u00f6vriga ledam\u00f6ter. \u00c5rsarvodet f\u00f6r arbete i styrelsens ers\u00e4ttnings- och personalkommitt\u00e9 (board remu- neration and people committee, BRPC) uppg\u00e5r till 48 000 euro f\u00f6r kommitt\u00e9ns ordf\u00f6rande och 28 000 euro f\u00f6r \u00f6vriga ledam\u00f6ter. Separat arvode betalas inte till styrelseledam\u00f6ter som \u00e4r anst\u00e4llda i Nordeakoncernen. Nordea betalar eller ers\u00e4tter styrelseledam\u00f6terna f\u00f6r alla kostnader eller utgifter som avser styrelseuppdraget. Eventu- ella f\u00f6rm\u00e5ner har medr\u00e4knats till det skattepliktiga v\u00e4rdet. Per den 31 december 2022 f\u00f6rel\u00e5g inga \u00e5taganden om avg\u00e5ngsvederlag, pension eller annan ers\u00e4ttning till styrelseledam\u00f6terna. Ingen styrelseledamot har r\u00f6rlig ers\u00e4ttning, och arbetsta- garrepresentanter omfattas inte av tabellen nedan. Ers\u00e4ttning till styrelsen Euro 2022 2021 Ordf\u00f6rande: Stephen Hester 1 97 000 \u2013 Torbj\u00f6rn Magnusson 2 282 925 352 275 Vice ordf\u00f6rande: Torbj\u00f6rn Magnusson2 47 000 \u2013 Stephen Hester 1 94 000 \u2013 Kari Jordan 3 44 450 176 100 \u00d6vriga styrelseledamoter: Arja Talma 4 125 250 \u2013 Birger Steen 197 725 190 550 Claudia Dill 3, 5 40 300 120 900 John Maltby 197 725 183 050 Jonas Synnergren 141 175 159 650 Kjersti Wiklund 4 125 250 \u2013 Lene Skole 4 100 875 \u2013 Nigel Hinshelwood 3 48 100 190 550 Pernille Erenbjerg 6 \u2013 38 750 Petra von Hoeken 189 925 159 650 Robin Lawther 128 950 124 600 Sarah Russell 3 39 250 156 500 Summa 1 899 900 1 852 575 1)   Ordf\u00f6rande fr\u00e5n 1 oktober 2022, vice ordf\u00f6rande fr\u00e5n 24 mars 2022 till 30 september 2022. 2)   Vice ordf\u00f6rande fr\u00e5n 1 oktober 2022, ordf\u00f6rande fr\u00e5n 24 mars 2022 till 30 september 2022. 3)   Avgick som styrelseledamot vid den ordinarie bolagst\u00e4mma 2022. 4)   Ny styrelseledamot vid den ordinarie bolagst\u00e4mma 2022. 5)   Ny styrelseledamot vid den ordinarie bolagst\u00e4mma 2021. 6)   Avgick som styrelseledamot vid den ordinarie bolagst\u00e4mma 2021. Ers\u00e4ttning till koncernchefen, vice verkst\u00e4llande direkt\u00f6ren och koncernledningen Styrelsens ers\u00e4ttnings- och personalkommitt\u00e9 (BRPC) f\u00f6rbe- reder \u00e4ndringar i ers\u00e4ttningsavtalen f\u00f6r koncernchefen, vice vd:n och \u00f6vriga medlemmar i koncernledningen, f\u00f6r beslut av styrelsen. Detta inkluderar fast ers\u00e4ttning, utfallet av Nordea incentive plan (NIP) 2022, f\u00f6rdelningen av villkorade aktier inom ramen f\u00f6r det l\u00e5ngsiktiga incitamentsprogrammet (LTIP) och den efterf\u00f6ljande tilldelningen av aktier fr\u00e5n LTIP samt andra \u00e4ndringar. Se not K8.3 \u201dAktierelaterade ers\u00e4ttningsprogram\u201d f\u00f6r mer information om de kortsiktiga incitamentprogrammen (STIP) (NIP/EIP) och LTIP 2022\u20132024, LTIP 2021\u20132023 och LTIP 2020\u20132022. Presentationen av ers\u00e4ttningar i Ers\u00e4ttningsrapporten f\u00f6r styrande organ skiljer sig fr\u00e5n presentationen och redovis- ningsprinciperna enligt IFRS som till\u00e4mpas f\u00f6r \u00e5rsredovis- ningen, framf\u00f6r allt n\u00e4r det g\u00e4ller det l\u00e5ngsiktiga incitamentsprogrammet. Fast ers\u00e4ttning Fast l\u00f6n betalas i lokala valutor och omr\u00e4knas till euro till \u00e5rets genomsnittskurs. Den fasta l\u00f6nen innefattar semester- ers\u00e4ttning och biltill\u00e4gg, i f\u00f6rekommande fall. F\u00f6rm\u00e5nerna utg\u00f6rs huvudsakligen av bil , skatter\u00e5dgiv- nings- och bostadsf\u00f6rm\u00e5n. F\u00f6rm\u00e5ner har medr\u00e4knats till det skattepliktiga v\u00e4rdet efter eventuellt l\u00f6neavdrag. Pensionskostnader utg\u00f6rs av under \u00e5ret betalda pensions- premier i avgiftsbest\u00e4mda pensionsplaner och under \u00e5ret intj\u00e4nade pensionsr\u00e4tter i f\u00f6rm\u00e5nsbest\u00e4mda pensionsplaner (\u201dKostnader avseende tj\u00e4nstg\u00f6ring innevarande \u00e5r\u201d liksom \u201dKostnader avseende tj\u00e4nstg\u00f6ring tidigare \u00e5r samt reglering- ar\u201d, de\ufb01nierade i IAS 19). 2 336 438 euro (1 901 643 euro) av de totala pensionskost- naderna avser avgiftsbest\u00e4mda pensionsplaner, motsvarande 97,4 procent (96,6 procent). K8.4   Ers\u00e4ttning till nyckelpersoner i ledande positioner, forts. R\u00f6rlig ers\u00e4ttning Tilldelningen fr\u00e5n STIP 2022 (NIP) f\u00f6r koncernchefen, vice verkst\u00e4llande direkt\u00f6ren och koncernledningen baseras p\u00e5 speci\ufb01ka m\u00e5l och kan som h\u00f6gst uppg\u00e5 till 75 procent av den fasta grundl\u00f6nen, f\u00f6rutom f\u00f6r Chief Risk Officer och Chief Compliance Officer som har ett tak p\u00e5 100 procent. 40 procent av tilldelningen fr\u00e5n NIP 2022 betalas ut under 2023. \u00c5terst\u00e5ende 60 procent betalas ut i lika delar under en fem\u00e5rsperiod, med en intj\u00e4ning p\u00e5 12 procent per \u00e5r. 50 pro- cent av tilldelningen fr\u00e5n NIP 2022 betalas vid respektive \u00f6verf\u00f6ringstidpunkt i form av Nordeaaktier (exklusive utdel- ning). Aktierna omfattas av en kvarh\u00e5llandeperiod om 12 m\u00e5nader efter uppskjutandeperiodens slut. Tilldelningen fr\u00e5n NIP 2022 har kostnadsf\u00f6rts i sin helhet under 2022. Vidare deltar koncernchefen, vice verkst\u00e4llande direkt\u00f6ren och medlemmarna i koncernledningen i de aktierelaterade LTIP 2020\u20132022, LTIP 2021\u20132023 och LTIP 2022\u20132024 efter beslut av styrelsen och inf\u00f6rda i enlighet med \u201dErs\u00e4ttningspo- licy f\u00f6r styrande organ\u201d som godk\u00e4ndes vid en r\u00e5dgivande omr\u00f6stning p\u00e5 Nordeas ordinarie bolagsst\u00e4mma 2020 och g\u00e4ller fram till ordinarie bolagsst\u00e4mma 2024. Chief Risk Officer och Chief Compliance Officer deltar inte i dessa tre incitamentsprogram. Ers\u00e4ttning till koncernchefen Frank Vang Jensen uts\u00e5gs till koncernchef den 5 september 2019. Koncernchefens fasta \u00e5rsl\u00f6n uppg\u00e5r till 1 410 000 euro fr\u00e5n den 1 januari 2022. Koncernchefen omfattas av en avgiftsbest\u00e4md pensions- plan, d\u00e4r pensionspremierna uppg\u00e5r till 30 procent av den fasta grundl\u00f6nen. K8.4  Ers\u00e4ttning till nyckelpersoner i ledande positioner, forts. Ers\u00e4ttning till koncernchefen, vice vd och koncernledningen Fast ers\u00e4ttning Fast l\u00f6n Pensionskostnad Avgifts- och f\u00f6rm\u00e5ns- best\u00e4mda planer F\u00f6rm\u00e5ner Summa fast ers\u00e4ttning Euro 2022 2021 2022 2021 2022 2021 2022 2021 Koncernchef: Frank Vang-Jensen 1 469 743 1 361 329 423 031 386 405 105 985 109 392 1 998 759 1 857 126 Vice vd: Jussi Koskinen 545 545 481 447 192 950 139 623 18 391 21 634 756 886 642 704 Koncernledning: 10 (10) personer exklusive koncernchefen och vice vd: 6 831 481 6 292 854 1 781 737 1 441 569 178 296 155 467 8 791 514 7 889 890 Summa 8 846 769 8 135 630 2 397 718 1 967 597 302 672 286 493 11 547 159 10 389 720 R\u00f6rlig ers\u00e4ttning STIP (NIP/EIP ) LTIP1 Summa r\u00f6rlig ers\u00e4ttning Summa ers\u00e4ttning fast och r\u00f6rlig Euro 2022 2021 2022 2021 2022 2021 2022 2021 Koncernchef: Frank Vang-Jensen 981 140 849 509 531 536 201 724 1 512 676 1 051 233 3 511 435 2 908 359 Vice vd: Jussi Koskinen 354 792 314 137 177 178 67 241 531 970 381 378 1 288 856 1 024 082 Koncernledning: 10 (10) personer exklusive koncernchefen och vice vd: 4 148 166 3 829 690 1 886 840 685 649 6 035 006 4 515 339 14 826 520 12 405 229 Summa 5 484 098 4 993 336 2 595 554 954 614 8 079 652 5 947 950 19 626 811  16 337 670 1)  De\ufb01nierad som kostnaden ber\u00e4knad enligt IFRS 2 f\u00f6r LTIP 2020-2022, LTIP 2021-2023, LTIP 2022-2024. F\u00f6rm\u00e5nerna utgjordes huvudsakligen av bil-, bostads-, s\u00e4kerhets- och reserelaterade f\u00f6rm\u00e5ner s\u00e5v\u00e4l som skatter\u00e5d- givning, till ett v\u00e4rde av 105 985 euro. NIP 2022 baserades p\u00e5 s\u00e4rskilda m\u00e5l och kunde som h\u00f6gst uppg\u00e5 till 75 procent av den fasta grundl\u00f6nen. F\u00f6r 2022 upp- gick tilldelningen fr\u00e5n NIP till 981 140 euro. F\u00f6r 2022 uppgick IFRS 2-kostnaden till 93 186 euro f\u00f6r LTIP 2020\u20132022, 246 544 euro f\u00f6r LTIP 2021\u20132023 och 191 806 eur f\u00f6r LTIP 2022\u20132024. Koncernchefen m\u00e5ste beh\u00e5lla en stor andel av de tilldelad aktierna fr\u00e5n LTIP 2020\u20132022, LTIP 2021\u20132023 och LTIP 2022\u2013 2024 till dess att det samlade v\u00e4rdet av aktierna motsvarar 100 procent av hans fasta brutto\u00e5rsl\u00f6n. Dessa aktier m\u00e5ste beh\u00e5llas till dess att koncernchefen l\u00e4mnar sin befattning. Den samlade kostnadsf\u00f6rda ers\u00e4ttningen f\u00f6r 2022 uppgick till 3 511 435 euro. Ers\u00e4ttning till vice verkst\u00e4llande direkt\u00f6ren Jussi Koskinen uts\u00e5gs till vice verkst\u00e4llande direkt\u00f6r (vice vd) den 10 september 2019. Vice vd:s fasta \u00e5rsl\u00f6n var 540 374 euro fr\u00e5n den 1 januari 2022. Vice verkst\u00e4llande vd:n omfattas \u00e4ven av en avgiftsbe- st\u00e4md pensionsplan, d\u00e4r premierna uppgick till 8,5 procent av den fasta grundl\u00f6nen, ut\u00f6ver betalningar till det lagstadgade \ufb01nska pensionssystemet. Enligt de lagstadgade pensionsreg- lerna ska den del av utfallet fr\u00e5n NIP 2022 f\u00f6r koncernled- ningen som betalas ut under 2023 medr\u00e4knas i pensionsgrun- dande l\u00f6n. F\u00f6rm\u00e5nerna f\u00f6r 2022 uppgick till 18 391 euro och utgjordes huvudsakligen av bilf\u00f6rm\u00e5n. NIP 2022 baserades p\u00e5 s\u00e4rskilda m\u00e5l och kunde som h\u00f6gst uppg\u00e5 till 75 procent av den fasta grundl\u00f6nen. F\u00f6r 2022 upp- gick tilldelningen fr\u00e5n NIP till 354 792 euro. F\u00f6r 2022 uppgick IFRS 2-kostnaden till 31 062 euro f\u00f6r LTIP 2020\u20132022, 82 181 euro f\u00f6r LTIP 2021\u20132023 och 63 935 euro f\u00f6r LTIP 2022\u20132024. Vice vd m\u00e5ste beh\u00e5lla en stor andel av de tilldelade aktier- na fr\u00e5n LTIP 2020\u20132022, LTIP 2021\u20132023 och LTIP 2022\u20132024 till dess att det samlade v\u00e4rdet av aktierna motsvarar 100 pro- cent av hans fasta brutto\u00e5rsl\u00f6n. Dessa aktier m\u00e5ste beh\u00e5llas till dess att vice vd l\u00e4mnar sin befattning i koncernledningen. Den samlade intj\u00e4nade ers\u00e4ttningen f\u00f6r 2022 uppgick till 1 288 856 euro. Ers\u00e4ttning till koncernledningen Ers\u00e4ttning till \u00f6vriga medlemmar i koncernledningen ing\u00e5r f\u00f6r den tid som de innehaft sin befattning och omfattats av NIP 2022 och LTIP. En ny medlem i koncernledningen uts\u00e5gs den 1 april 2022 och en medlem avgick den 31 mars 2022 och har l\u00e4mnat Nordea. Inga rekryteringsbonusar eller utk\u00f6p godk\u00e4ndes under 2022. NIP 2022 f\u00f6r koncernledningen baserades p\u00e5 speci\ufb01ka m\u00e5l och kan uppg\u00e5 till h\u00f6gst 75 procent av den fasta grundl\u00f6nen f\u00f6r de medlemmar i koncernledningen som erbjuds LTIP 2022\u20132024 och 100 procent f\u00f6r \u00f6vriga. F\u00f6r 2022 uppgick till- delningen fr\u00e5n NIP till 4 148 166 euro. F\u00f6r 2022 uppgick IFRS 2-kostnaden till 279 558 euro f\u00f6r LTIP 2020\u20132022, 903 994 euro f\u00f6r LTIP 2021\u20132023 och 703 288 euro f\u00f6r LTIP 2022\u20132024. Medlemmarna i koncernledningen m\u00e5ste beh\u00e5lla en stor andel av de tilldelade aktierna fr\u00e5n LTIP 2020\u20132022, LTIP 2021\u20132023 och LTIP 2022\u20132024 till dess att det samlade v\u00e4r- det av aktierna motsvarar 100 procent av deras respektive fasta brutto\u00e5rsl\u00f6n. Dessa aktier m\u00e5ste beh\u00e5llas till dess att personen l\u00e4mnar sin befattning i koncernledningen. Pensionsplanerna f\u00f6r de \u00f6vriga tio medlemmarna i kon- cernledningen ser olika ut beroende p\u00e5 de nationella f\u00f6rh\u00e5l- landena. Pensionsplanerna \u00e4r avgiftsbest\u00e4mda eller en kom- bination av avgiftsbest\u00e4mda och f\u00f6rm\u00e5nsbest\u00e4mda pensionsplaner. Per den 31 december 2022 hade tre medlemmar pensions- planer i enlighet med svenska kollektivavtal, BTP1 (avgiftsbe- st\u00e4md pension) och BTP2 (f\u00f6rm\u00e5nsbest\u00e4md pension), med kompletterande avgiftsbest\u00e4mda pensionsplaner ut\u00f6ver kol- lektivavtalet. Pensionspremierna uppgick sammantaget till 30 procent av den fasta grundl\u00f6nen. Tv\u00e5 medlemmar hade en avgiftsbest\u00e4md pensionsplan i enlighet med dansk praxis. Pensionspremierna uppgick sam- mantaget till 30 procent av den fasta grundl\u00f6nen. Fyra medlemmar omfattades av det lagstadgade \ufb01nska pensionssystemet och hade i till\u00e4gg en avgiftsbest\u00e4md pen- sionsplan motsvarande 8,5 procent av den fasta grundl\u00f6nen. En medlem saknar pensionsavtal med Nordea. Uppskjuten r\u00f6rlig ers\u00e4ttning i form av Nordeaaktier En del av tilldelningen fr\u00e5n EIP 2019, EIP 2020 och EIP 2021 f\u00f6r koncernledningen har skjutits upp, med framtida betal- ning i form av Nordeaaktier. Eventuella Nordeaaktier som till- delas fr\u00e5n NIP 2022 liksom den villkorade aktietilldelningen fr\u00e5n LTIP 2020\u20132022 per 31 december 2022 ing\u00e5r inte i tabel- len nedan. K8.4  Ers\u00e4ttning till nyckelpersoner i ledande positioner, forts. Nordeaaktier \u2013 tilldelade och uppskjutna 2022 2021 Koncernchef: Frank Vang-Jensen 64 100 45 001 Vice vd: Jussi Koskinen 28 578 21 604 Koncernledning: 10 (10) personer exkl. koncernchefen och vice vd: 275 483 227 775 Summa 368 161 294 380 Tidigare koncernchef: Casper von Koskull 20 483 20 483 Tidigare Group COO och st\u00e4llf\u00f6retr\u00e4dande koncernchef: Torsten Hagen J\u00f8rgensen  12 997 12 997 Summa  401 641 327 860 Pensionsf\u00f6rpliktelser Pensionsplanerna \u00e4r fonderade, vilket inneb\u00e4r att pensions- f\u00f6rpliktelserna t\u00e4cks av f\u00f6rvaltningstillg\u00e5ngar vars verkliga v\u00e4rde i huvudsak motsvarar v\u00e4rdet av f\u00f6rpliktelserna. Pensionsf\u00f6rpliktelser (v\u00e4rdet av skulderna f\u00f6r f\u00f6rm\u00e5nsbe- st\u00e4mda pensionsplaner) ber\u00e4knas i enlighet med IAS 19.  F\u00f6r ytterligare information, se not K8.2 \u201dPensioner\u201d. Kostnaderna f\u00f6r f\u00f6rm\u00e5nsbest\u00e4mda pensionsplaner till nyckelpersoner i ledande positioner uppgick 2022 till 0 mn euro (0 mn euro). Pensionsf\u00f6rpliktelserna i tabellen nedan speglar det ber\u00e4k- nade v\u00e4rdet enligt IAS 19 den 31 december 2022 respektive 2021. Minskningen j\u00e4mf\u00f6rt med 2021 beror huvudsakligen p\u00e5 pensionsutbetalningar till pensionerade ledande befattnings- havare under \u00e5ret, h\u00f6gre diskonteringsr\u00e4ntor vid v\u00e4rderingen av f\u00f6rpliktelser vid utg\u00e5ngen av 2022 och valutaeffekter fr\u00e5n f\u00f6rpliktelser i svenska kronor. Det \ufb01nns inga f\u00f6rpliktelser f\u00f6r f\u00f6rm\u00e5nsbest\u00e4mda pensioner gentemot Nordeas koncernchef eller vice vd. Euro 2022 2021 Koncernledningen: 3 (3) individer i Sverige 756 087 1 241 536 Tidigare styrelseordf\u00f6rande, koncernchefer och st\u00e4llf\u00f6retr\u00e4dande koncernchefer: Vesa Vainio 1 4 105 734 4 667 760 Lars G Nordstr\u00f6m 243 140 289 220 Casper von Koskull 338 920 428 311 Summa 5 443 881 6 626 827 1) Pensionsf\u00f6rpliktelserna h\u00e4rr\u00f6r fr\u00e4mst fr\u00e5n f\u00f6rm\u00e5nsbest\u00e4mda pensionsr\u00e4tter intj\u00e4- nade i, och \ufb01nansierade av, de banker som bildat Nordea. Upps\u00e4gningstid och avg\u00e5ngsvederlag I enlighet med tj\u00e4nstg\u00f6ringsvillkoren har koncernchefen en upps\u00e4gningstid p\u00e5 12 m\u00e5nader och Nordea en upps\u00e4gnings- tid p\u00e5 12 m\u00e5nader. Koncernchefen har ett avg\u00e5ngsvederlag p\u00e5 12 m\u00e5nadsl\u00f6ner, vilket minskas av l\u00f6n fr\u00e5n eventuell annan anst\u00e4llning under dessa 12 m\u00e5nader. Vice vd och tio medlemmar i koncernledningen har en upps\u00e4gningstid p\u00e5 6 m\u00e5nader och Nordea en upps\u00e4gningstid p\u00e5 12 m\u00e5nader. Ett avg\u00e5ngsvederlag p\u00e5 12 m\u00e5nader l\u00e4mnas, vilket minskas av l\u00f6n fr\u00e5n eventuell annan anst\u00e4llning under dessa 12 m\u00e5nader. Vidare till\u00e4mpas konkurrensklausuler. Inga \u00e5taganden om avg\u00e5ngsvederlag gjordes gentemot medlem- marna i koncernledningen under 2021 och 2022. Betalningar till tidigare medlemmar i koncernledningen, som utg\u00f6rs av l\u00f6n under upps\u00e4gningstid och tid i konkurrens- relaterad karant\u00e4n samt avs\u00e4ttningar f\u00f6r framtida betalningar under konkurrensrelaterad karant\u00e4n, har kostnadsf\u00f6rts under 2022 men ing\u00e5r inte i ers\u00e4ttningstabellerna. Dessa betalning- ar och avs\u00e4ttningar uppgick till totalt 1 271 790 euro. Skadeers\u00e4ttning Nordea Bank Abp har \u00e5tagit sig att ers\u00e4tta medlemmarna i koncernledningen f\u00f6r utgifter i samband med juridisk r\u00e5dgiv- ning f\u00f6r att f\u00f6rsvara sig emot eller bestrida vissa st\u00e4mningar eller utredningar fr\u00e5n tredje part, dock med undantag f\u00f6r brott eller handlingar som beg\u00e5tts upps\u00e5tligen eller av grov oaktsamhet. Ers\u00e4ttningen f\u00f6r respektive medlem i koncern- ledningen kan som h\u00f6gst uppg\u00e5 till 37,5 mn euro, s\u00e5vida inte styrelsen fr\u00e5n fall till fall beslutar annat. Nordea k\u00f6per ansvarsf\u00f6rs\u00e4kring f\u00f6r ledande befattningshavare som t\u00e4cker styrelsens och ledningens personliga ansvar samt det ansvar som banken har till f\u00f6ljd av sitt \u00e5tagande om gottg\u00f6relse. Vill- koren, inklusive f\u00f6rs\u00e4kringens totala ansvarsbegr\u00e4nsning, \u00e4r i linje med andra stora europeiska banker. Den ordinarie bolagsst\u00e4mman beslutade ocks\u00e5 att bolaget ska betala eller ers\u00e4tta styrelseledam\u00f6terna f\u00f6r alla kostna- der och utgifter som avser eller uppst\u00e5r med anledning av styrelseuppdraget, s\u00e5som resor, logistik och boende liksom kostnader f\u00f6r r\u00e5dgivning, r\u00e4ttshj\u00e4lp och administration. Kost- naderna f\u00f6r r\u00e4ttshj\u00e4lp kan exempelvis innefatta advokatkost- nader i samband med anspr\u00e5k som riktats mot en styrelsele- damot, f\u00f6rutsatt att ledamoten inte funnits ansvarig f\u00f6r felak- tigt agerande eller grov oaktsamhet. K10.4  Transaktioner med n\u00e4rst\u00e5ende Redovisningsprinciper N\u00e4rst\u00e5ende N\u00e4rst\u00e5ende \u00e4r en person eller ett f\u00f6retag med en n\u00e4ra relation till Nordea. N\u00e4rst\u00e5ende parter delas in i f\u00f6ljande kategorier: \u2022  Aktie\u00e4gare med betydande inflytande \u2022  Intressef\u00f6retag och joint ventures \u2022  Nyckelpersoner i ledande positioner \u2022  \u00d6vriga n\u00e4rst\u00e5ende parter. Aktie\u00e4gare med betydande inflytande Aktie\u00e4gare med betydande inflytande \u00e4r aktie\u00e4gare som har r\u00e4tt att delta i beslut som r\u00f6r Nordeas \ufb01nansiella och operativa stra- tegier, men som inte har ett best\u00e4mmande inflytande \u00f6ver dessa. Intressef\u00f6retag och joint ventures En de\ufb01nition av termen intressef\u00f6retag och joint venture \ufb01nns i not K9.3 \u201dAktier och andelar i intressef\u00f6retag och joint ventures\u201d. Nyckelpersoner i ledande positioner Nyckelpersoner i ledande positioner \u00e4r de personer som har befogenhet och ansvar f\u00f6r planering, ledning och styrning av f\u00f6retagets verksamhet, direkt eller indirekt, d\u00e4ribland f\u00f6reta- gets styrelse. \u00d6vriga n\u00e4rst\u00e5ende parter \u00d6vriga n\u00e4rst\u00e5ende parter utg\u00f6rs av dotterf\u00f6retag till aktie- \u00e4gare med betydande inflytande, n\u00e4ra anh\u00f6riga till nyckel- personer i ledande positioner och bolag som kontrolleras eller gemensamt kontrolleras av nyckelpersoner i ledande positioner eller av n\u00e4ra anh\u00f6riga till dessa nyckelpersoner. Transaktioner med n\u00e4rst\u00e5ende En transaktion med n\u00e4rst\u00e5ende de\ufb01nieras som en \u00f6verf\u00f6ring av resurser, tj\u00e4nster eller f\u00f6rpliktelser mellan Nordea och en n\u00e4rst\u00e5ende part, oavsett om dessa debiteras eller inte. Se \u00e4ven Redovisningsprinciper i not K8.4 \u201dErs\u00e4ttning till nyckelpersoner i ledande positioner\u201d . Transaktioner med n\u00e4rst\u00e5ende Intressef\u00f6retag1 \u00d6vriga n\u00e4rst\u00e5ende parter2 Mn euro 31 dec 2022 31 dec 2021 31 dec 2022 31 dec 2021 Tillg\u00e5ngar Utl\u00e5ning 124 86 2 2 R\u00e4nteb\u00e4rande v\u00e4rdepapper \u2013 \u2013 \u2013 2 Derivatinstrument \u2013 15 \u2013 26 \u00d6vriga tillg\u00e5ngar 8 4 \u2013 6 Summa tillg\u00e5ngar 132 105 2 36 Intressef\u00f6retag1 \u00d6vriga n\u00e4rst\u00e5ende parter2 Mn euro 31 dec 2022 31 dec 2021 31 dec 2022 31 dec 2021 Skulder In- och uppl\u00e5ning 13 11 32 1 113 Derivatinstrument 3 31 \u2013 2 \u00d6vriga skulder 0 0 \u2013 0 Summa skulder 16 42 32 1 115 Poster utanf\u00f6r balansr\u00e4kningen 0 0 0 5 Intressef\u00f6retag1 \u00d6vriga n\u00e4rst\u00e5ende parter2 Mn euro 2022 2021 2022 202 R\u00e4ntenetto 1 0 0 - Avgifts- och provisionsnetto 2 3 0 0 Nettoresultat av poster till verkligt v\u00e4rde -2 1 \u2013 - \u00d6vriga r\u00f6relseint\u00e4kter \u2013 \u2013 \u2013 0 Summa r\u00f6relsekostnader 0 0 \u2013 0 Resultat f\u00f6re kreditf\u00f6rluster 1 4 0 - 1) Information om intressef\u00f6retag som ing\u00e5r i Nordeakoncernen \ufb01nns i not K9.3 \u201dAktier och andelar i intressef\u00f6retag och joint ventures\u201d. 2) H\u00e4r ing\u00e5r aktie\u00e4gare med betydande inflytande (inklusive dessas dotterf\u00f6retag), n\u00e4ra anh\u00f6riga till nyckelpersoner i ledande positioner i Nordea, bolag som kontrolleras eller gemensamt kontrolleras av nyckelpersoner i ledande positioner eller av n\u00e4ra anh\u00f6riga till dessa nyckelpersoner. \u00c4ven Nordeas pensionsstiftelser ing\u00e5r. Sampo Abp hade betydand inflytande \u00f6ver Nordea 2021 men inte 2022. Skulder till Sampo Abp och dess dotterf\u00f6reta utg\u00f6rs huvudsakligen av inl\u00e5ning och l\u00e5ngsiktiga placeringar i obligationer emitterade av Nordea. Transaktionerna med Sampo Abp och dess dotterf\u00f6retag innefattar ocks\u00e5 flera \u00f6ppna derivatkontrakt. Alla transaktioner med n\u00e4rst\u00e5ende g\u00f6rs enligt samma kriterier och villkor som vid j\u00e4mf\u00f6rbara transaktioner med externa par- ter i liknande st\u00e4llning, f\u00f6rutom utl\u00e5ning till anst\u00e4llda s\u00e5v\u00e4l som vissa \u00f6vriga \u00e5taganden till nyckelpersoner i ledande posi- tioner, se not K8.4 \u201dErs\u00e4ttning till nyckelpersoner i ledande positioner\u201d och not K7.1 \u201dEventualf\u00f6rpliktelser\u201d. Informationen ovan presenteras ur Nordeas perspektiv, dvs. den visar hur Nordeas siffror har p\u00e5verkats av transaktioner med n\u00e4rst\u00e5ende parter. Nyckelpersoner i ledande positioner omfattar i Nordea: \u2022  styrelsen \u2022  koncernchefen (vd) \u2022  vice vd \u2022  koncernledningen. Utl\u00e5ningen till nyckelpersoner i ledande positioner uppgick till 2 mn euro (3 mn euro) och r\u00e4nteint\u00e4kterna p\u00e5 dessa l\u00e5n upp- gick till 0 mn euro (0 mn euro). Inl\u00e5ning fr\u00e5n nyckelpersoner i ledande positioner uppgick till 7 mn euro (12 mn euro) och r\u00e4n tan p\u00e5 denna inl\u00e5ning uppgick till 0 mn euro (0 mn euro). Kre- ditl\u00f6ften till nyckelpersoner i ledande positioner uppgick till 0 mn euro (0 mn euro). Nyckelpersoner i ledande positioner som \u00e4r anst\u00e4llda av Nordea erh\u00e5ller samma kreditvillkor som \u00f6vriga anst\u00e4llda. I Fin- land motsvarar personalr\u00e4ntan Nordea Bank Abp:s inl\u00e5nings- kostnad med en marginal p\u00e5 30 eller 40 punkter, beroende p\u00e5 K10.4  Transaktioner med n\u00e4rst\u00e5ende, forts. referensr\u00e4ntan. I Danmark \u00e4r personalr\u00e4ntan f\u00f6r l\u00e5n r\u00f6rlig och varierar mellan 1,95 \u20133,6 procent beroende p\u00e5 typ av bol\u00e5n. I Norge var den r\u00f6rliga personalr\u00e4ntan 3,11 procent den 31 decem- ber 2022. Bostadsl\u00e5n till fast r\u00e4nta erbjuds till samma villkor som f\u00f6r f\u00f6rm\u00e5nskunder. I Sverige \u00e4r personalr\u00e4ntan p\u00e5 l\u00e5n med fast eller r\u00f6rlig r\u00e4nta 215 punkter l\u00e4gre \u00e4n motsvarande r\u00e4nta f\u00f6r externa kunder (med en nedre gr\u00e4ns p\u00e5 50 punkter och ett tak p\u00e5 57 svenska prisbasbelopp). L\u00e5n som \u00f6verstiger det fastst\u00e4llda taket ges till samma villkor som f\u00f6r vanliga kunder. L\u00e5n till famil- jemedlemmar till nyckelpersoner i ledande positioner, som inte lever i samma hush\u00e5ll, ges till normala marknadsvillkor. Motsva- rande villkor g\u00e4ller \u00e4ven f\u00f6r nyckelpersoner i ledande positioner som ej \u00e4r anst\u00e4llda av Nordea. F\u00f6r mer information om transak- tioner med nyckelpersoner i ledande positioner, se not K8.4 \u201dErs\u00e4ttning till nyckelpersoner i ledande positioner\u201d. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutKeyManagementPersonnelExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-707": {
   "value": "K8.4   Ers\u00e4ttningar till nyckelpersoner i ledande positioner Redovisningsprinciper F\u00f6r information om redovisningsprinciperna, se not K8.1 \u201dFast och r\u00f6rlig l\u00f6n\u201d, not K8.2 \u201dPensioner\u201d och not K8.3 \u201dAktierelate- rade ers\u00e4ttningsprogram\u201d. F\u00f6r de\ufb01nition av nyckelpersoner i ledande positioner, se not K10.4 \u201dTransaktioner med n\u00e4rst\u00e5ende\u201d. Styrelsearvode \u00c5rsst\u00e4mman 2022 fastst\u00e4llde styrelsens \u00e5rsarvode enligt f\u00f6l- jande: ordf\u00f6randen 340 000 euro, vice ordf\u00f6randen 160 000 euro och \u00f6vriga ledam\u00f6ter 102 000 euro. D\u00e4rut\u00f6ver utg\u00e5r \u00e5rsarvode f\u00f6r arbete i styrelsens drifts- och h\u00e5llbarhetskommitt\u00e9, revisionskommitt\u00e9 och riskkommit- t\u00e9 motsvarande 65 000 euro f\u00f6r kommitt\u00e9ernas ordf\u00f6rande och 32 500 euro f\u00f6r \u00f6vriga ledam\u00f6ter. \u00c5rsarvodet f\u00f6r arbete i styrelsens ers\u00e4ttnings- och personalkommitt\u00e9 (board remu- neration and people committee, BRPC) uppg\u00e5r till 48 000 euro f\u00f6r kommitt\u00e9ns ordf\u00f6rande och 28 000 euro f\u00f6r \u00f6vriga ledam\u00f6ter. Separat arvode betalas inte till styrelseledam\u00f6ter som \u00e4r anst\u00e4llda i Nordeakoncernen. Nordea betalar eller ers\u00e4tter styrelseledam\u00f6terna f\u00f6r alla kostnader eller utgifter som avser styrelseuppdraget. Eventu- ella f\u00f6rm\u00e5ner har medr\u00e4knats till det skattepliktiga v\u00e4rdet. Per den 31 december 2022 f\u00f6rel\u00e5g inga \u00e5taganden om avg\u00e5ngsvederlag, pension eller annan ers\u00e4ttning till styrelseledam\u00f6terna. Ingen styrelseledamot har r\u00f6rlig ers\u00e4ttning, och arbetsta- garrepresentanter omfattas inte av tabellen nedan. Ers\u00e4ttning till styrelsen Euro 2022 2021 Ordf\u00f6rande: Stephen Hester 1 97 000 \u2013 Torbj\u00f6rn Magnusson 2 282 925 352 275 Vice ordf\u00f6rande: Torbj\u00f6rn Magnusson2 47 000 \u2013 Stephen Hester 1 94 000 \u2013 Kari Jordan 3 44 450 176 100 \u00d6vriga styrelseledamoter: Arja Talma 4 125 250 \u2013 Birger Steen 197 725 190 550 Claudia Dill 3, 5 40 300 120 900 John Maltby 197 725 183 050 Jonas Synnergren 141 175 159 650 Kjersti Wiklund 4 125 250 \u2013 Lene Skole 4 100 875 \u2013 Nigel Hinshelwood 3 48 100 190 550 Pernille Erenbjerg 6 \u2013 38 750 Petra von Hoeken 189 925 159 650 Robin Lawther 128 950 124 600 Sarah Russell 3 39 250 156 500 Summa 1 899 900 1 852 575 1)   Ordf\u00f6rande fr\u00e5n 1 oktober 2022, vice ordf\u00f6rande fr\u00e5n 24 mars 2022 till 30 september 2022. 2)   Vice ordf\u00f6rande fr\u00e5n 1 oktober 2022, ordf\u00f6rande fr\u00e5n 24 mars 2022 till 30 september 2022. 3)   Avgick som styrelseledamot vid den ordinarie bolagst\u00e4mma 2022. 4)   Ny styrelseledamot vid den ordinarie bolagst\u00e4mma 2022. 5)   Ny styrelseledamot vid den ordinarie bolagst\u00e4mma 2021. 6)   Avgick som styrelseledamot vid den ordinarie bolagst\u00e4mma 2021. Ers\u00e4ttning till koncernchefen, vice verkst\u00e4llande direkt\u00f6ren och koncernledningen Styrelsens ers\u00e4ttnings- och personalkommitt\u00e9 (BRPC) f\u00f6rbe- reder \u00e4ndringar i ers\u00e4ttningsavtalen f\u00f6r koncernchefen, vice vd:n och \u00f6vriga medlemmar i koncernledningen, f\u00f6r beslut av styrelsen. Detta inkluderar fast ers\u00e4ttning, utfallet av Nordea incentive plan (NIP) 2022, f\u00f6rdelningen av villkorade aktier inom ramen f\u00f6r det l\u00e5ngsiktiga incitamentsprogrammet (LTIP) och den efterf\u00f6ljande tilldelningen av aktier fr\u00e5n LTIP samt andra \u00e4ndringar. Se not K8.3 \u201dAktierelaterade ers\u00e4ttningsprogram\u201d f\u00f6r mer information om de kortsiktiga incitamentprogrammen (STIP) (NIP/EIP) och LTIP 2022\u20132024, LTIP 2021\u20132023 och LTIP 2020\u20132022. Presentationen av ers\u00e4ttningar i Ers\u00e4ttningsrapporten f\u00f6r styrande organ skiljer sig fr\u00e5n presentationen och redovis- ningsprinciperna enligt IFRS som till\u00e4mpas f\u00f6r \u00e5rsredovis- ningen, framf\u00f6r allt n\u00e4r det g\u00e4ller det l\u00e5ngsiktiga incitamentsprogrammet. Fast ers\u00e4ttning Fast l\u00f6n betalas i lokala valutor och omr\u00e4knas till euro till \u00e5rets genomsnittskurs. Den fasta l\u00f6nen innefattar semester- ers\u00e4ttning och biltill\u00e4gg, i f\u00f6rekommande fall. F\u00f6rm\u00e5nerna utg\u00f6rs huvudsakligen av bil , skatter\u00e5dgiv- nings- och bostadsf\u00f6rm\u00e5n. F\u00f6rm\u00e5ner har medr\u00e4knats till det skattepliktiga v\u00e4rdet efter eventuellt l\u00f6neavdrag. Pensionskostnader utg\u00f6rs av under \u00e5ret betalda pensions- premier i avgiftsbest\u00e4mda pensionsplaner och under \u00e5ret intj\u00e4nade pensionsr\u00e4tter i f\u00f6rm\u00e5nsbest\u00e4mda pensionsplaner (\u201dKostnader avseende tj\u00e4nstg\u00f6ring innevarande \u00e5r\u201d liksom \u201dKostnader avseende tj\u00e4nstg\u00f6ring tidigare \u00e5r samt reglering- ar\u201d, de\ufb01nierade i IAS 19). 2 336 438 euro (1 901 643 euro) av de totala pensionskost- naderna avser avgiftsbest\u00e4mda pensionsplaner, motsvarande 97,4 procent (96,6 procent). K8.4   Ers\u00e4ttning till nyckelpersoner i ledande positioner, forts. R\u00f6rlig ers\u00e4ttning Tilldelningen fr\u00e5n STIP 2022 (NIP) f\u00f6r koncernchefen, vice verkst\u00e4llande direkt\u00f6ren och koncernledningen baseras p\u00e5 speci\ufb01ka m\u00e5l och kan som h\u00f6gst uppg\u00e5 till 75 procent av den fasta grundl\u00f6nen, f\u00f6rutom f\u00f6r Chief Risk Officer och Chief Compliance Officer som har ett tak p\u00e5 100 procent. 40 procent av tilldelningen fr\u00e5n NIP 2022 betalas ut under 2023. \u00c5terst\u00e5ende 60 procent betalas ut i lika delar under en fem\u00e5rsperiod, med en intj\u00e4ning p\u00e5 12 procent per \u00e5r. 50 pro- cent av tilldelningen fr\u00e5n NIP 2022 betalas vid respektive \u00f6verf\u00f6ringstidpunkt i form av Nordeaaktier (exklusive utdel- ning). Aktierna omfattas av en kvarh\u00e5llandeperiod om 12 m\u00e5nader efter uppskjutandeperiodens slut. Tilldelningen fr\u00e5n NIP 2022 har kostnadsf\u00f6rts i sin helhet under 2022. Vidare deltar koncernchefen, vice verkst\u00e4llande direkt\u00f6ren och medlemmarna i koncernledningen i de aktierelaterade LTIP 2020\u20132022, LTIP 2021\u20132023 och LTIP 2022\u20132024 efter beslut av styrelsen och inf\u00f6rda i enlighet med \u201dErs\u00e4ttningspo- licy f\u00f6r styrande organ\u201d som godk\u00e4ndes vid en r\u00e5dgivande omr\u00f6stning p\u00e5 Nordeas ordinarie bolagsst\u00e4mma 2020 och g\u00e4ller fram till ordinarie bolagsst\u00e4mma 2024. Chief Risk Officer och Chief Compliance Officer deltar inte i dessa tre incitamentsprogram. Ers\u00e4ttning till koncernchefen Frank Vang Jensen uts\u00e5gs till koncernchef den 5 september 2019. Koncernchefens fasta \u00e5rsl\u00f6n uppg\u00e5r till 1 410 000 euro fr\u00e5n den 1 januari 2022. Koncernchefen omfattas av en avgiftsbest\u00e4md pensions- plan, d\u00e4r pensionspremierna uppg\u00e5r till 30 procent av den fasta grundl\u00f6nen. K8.4  Ers\u00e4ttning till nyckelpersoner i ledande positioner, forts. Ers\u00e4ttning till koncernchefen, vice vd och koncernledningen Fast ers\u00e4ttning Fast l\u00f6n Pensionskostnad Avgifts- och f\u00f6rm\u00e5ns- best\u00e4mda planer F\u00f6rm\u00e5ner Summa fast ers\u00e4ttning Euro 2022 2021 2022 2021 2022 2021 2022 2021 Koncernchef: Frank Vang-Jensen 1 469 743 1 361 329 423 031 386 405 105 985 109 392 1 998 759 1 857 126 Vice vd: Jussi Koskinen 545 545 481 447 192 950 139 623 18 391 21 634 756 886 642 704 Koncernledning: 10 (10) personer exklusive koncernchefen och vice vd: 6 831 481 6 292 854 1 781 737 1 441 569 178 296 155 467 8 791 514 7 889 890 Summa 8 846 769 8 135 630 2 397 718 1 967 597 302 672 286 493 11 547 159 10 389 720 R\u00f6rlig ers\u00e4ttning STIP (NIP/EIP ) LTIP1 Summa r\u00f6rlig ers\u00e4ttning Summa ers\u00e4ttning fast och r\u00f6rlig Euro 2022 2021 2022 2021 2022 2021 2022 2021 Koncernchef: Frank Vang-Jensen 981 140 849 509 531 536 201 724 1 512 676 1 051 233 3 511 435 2 908 359 Vice vd: Jussi Koskinen 354 792 314 137 177 178 67 241 531 970 381 378 1 288 856 1 024 082 Koncernledning: 10 (10) personer exklusive koncernchefen och vice vd: 4 148 166 3 829 690 1 886 840 685 649 6 035 006 4 515 339 14 826 520 12 405 229 Summa 5 484 098 4 993 336 2 595 554 954 614 8 079 652 5 947 950 19 626 811  16 337 670 1)  De\ufb01nierad som kostnaden ber\u00e4knad enligt IFRS 2 f\u00f6r LTIP 2020-2022, LTIP 2021-2023, LTIP 2022-2024. F\u00f6rm\u00e5nerna utgjordes huvudsakligen av bil-, bostads-, s\u00e4kerhets- och reserelaterade f\u00f6rm\u00e5ner s\u00e5v\u00e4l som skatter\u00e5d- givning, till ett v\u00e4rde av 105 985 euro. NIP 2022 baserades p\u00e5 s\u00e4rskilda m\u00e5l och kunde som h\u00f6gst uppg\u00e5 till 75 procent av den fasta grundl\u00f6nen. F\u00f6r 2022 upp- gick tilldelningen fr\u00e5n NIP till 981 140 euro. F\u00f6r 2022 uppgick IFRS 2-kostnaden till 93 186 euro f\u00f6r LTIP 2020\u20132022, 246 544 euro f\u00f6r LTIP 2021\u20132023 och 191 806 eur o f\u00f6r LTIP 2022\u20132024. Koncernchefen m\u00e5ste beh\u00e5lla en stor andel av de tilldelad e aktierna fr\u00e5n LTIP 2020\u20132022, LTIP 2021\u20132023 och LTIP 2022\u2013 2024 till dess att det samlade v\u00e4rdet av aktierna motsvarar 100 procent av hans fasta brutto\u00e5rsl\u00f6n. Dessa aktier m\u00e5ste beh\u00e5llas till dess att koncernchefen l\u00e4mnar sin befattning. Den samlade kostnadsf\u00f6rda ers\u00e4ttningen f\u00f6r 2022 uppgick till 3 511 435 euro. Ers\u00e4ttning till vice verkst\u00e4llande direkt\u00f6ren Jussi Koskinen uts\u00e5gs till vice verkst\u00e4llande direkt\u00f6r (vice vd) den 10 september 2019. Vice vd:s fasta \u00e5rsl\u00f6n var 540 374 euro fr\u00e5n den 1 januari 2022. Vice verkst\u00e4llande vd:n omfattas \u00e4ven av en avgiftsbe- st\u00e4md pensionsplan, d\u00e4r premierna uppgick till 8,5 procent av den fasta grundl\u00f6nen, ut\u00f6ver betalningar till det lagstadgade \ufb01nska pensionssystemet. Enligt de lagstadgade pensionsreg- lerna ska den del av utfallet fr\u00e5n NIP 2022 f\u00f6r koncernled- ningen som betalas ut under 2023 medr\u00e4knas i pensionsgrun- dande l\u00f6n. F\u00f6rm\u00e5nerna f\u00f6r 2022 uppgick till 18 391 euro och utgjordes huvudsakligen av bilf\u00f6rm\u00e5n. NIP 2022 baserades p\u00e5 s\u00e4rskilda m\u00e5l och kunde som h\u00f6gst uppg\u00e5 till 75 procent av den fasta grundl\u00f6nen. F\u00f6r 2022 upp- gick tilldelningen fr\u00e5n NIP till 354 792 euro. F\u00f6r 2022 uppgick IFRS 2-kostnaden till 31 062 euro f\u00f6r LTIP 2020\u20132022, 82 181 euro f\u00f6r LTIP 2021\u20132023 och 63 935 euro f\u00f6r LTIP 2022\u20132024. Vice vd m\u00e5ste beh\u00e5lla en stor andel av de tilldelade aktier- na fr\u00e5n LTIP 2020\u20132022, LTIP 2021\u20132023 och LTIP 2022\u20132024 till dess att det samlade v\u00e4rdet av aktierna motsvarar 100 pro- cent av hans fasta brutto\u00e5rsl\u00f6n. Dessa aktier m\u00e5ste beh\u00e5llas till dess att vice vd l\u00e4mnar sin befattning i koncernledningen. Den samlade intj\u00e4nade ers\u00e4ttningen f\u00f6r 2022 uppgick till 1 288 856 euro. Ers\u00e4ttning till koncernledningen Ers\u00e4ttning till \u00f6vriga medlemmar i koncernledningen ing\u00e5r f\u00f6r den tid som de innehaft sin befattning och omfattats av NIP 2022 och LTIP. En ny medlem i koncernledningen uts\u00e5gs den 1 april 2022 och en medlem avgick den 31 mars 2022 och har l\u00e4mnat Nordea. Inga rekryteringsbonusar eller utk\u00f6p godk\u00e4ndes under 2022. NIP 2022 f\u00f6r koncernledningen baserades p\u00e5 speci\ufb01ka m\u00e5l och kan uppg\u00e5 till h\u00f6gst 75 procent av den fasta grundl\u00f6nen f\u00f6r de medlemmar i koncernledningen som erbjuds LTIP 2022\u20132024 och 100 procent f\u00f6r \u00f6vriga. F\u00f6r 2022 uppgick till- delningen fr\u00e5n NIP till 4 148 166 euro. F\u00f6r 2022 uppgick IFRS 2-kostnaden till 279 558 euro f\u00f6r LTIP 2020\u20132022, 903 994 euro f\u00f6r LTIP 2021\u20132023 och 703 288 euro f\u00f6r LTIP 2022\u20132024. Medlemmarna i koncernledningen m\u00e5ste beh\u00e5lla en stor andel av de tilldelade aktierna fr\u00e5n LTIP 2020\u20132022, LTIP 2021\u20132023 och LTIP 2022\u20132024 till dess att det samlade v\u00e4r- det av aktierna motsvarar 100 procent av deras respektive fasta brutto\u00e5rsl\u00f6n. Dessa aktier m\u00e5ste beh\u00e5llas till dess att personen l\u00e4mnar sin befattning i koncernledningen. Pensionsplanerna f\u00f6r de \u00f6vriga tio medlemmarna i kon- cernledningen ser olika ut beroende p\u00e5 de nationella f\u00f6rh\u00e5l- landena. Pensionsplanerna \u00e4r avgiftsbest\u00e4mda eller en kom- bination av avgiftsbest\u00e4mda och f\u00f6rm\u00e5nsbest\u00e4mda pensionsplaner. Per den 31 december 2022 hade tre medlemmar pensions- planer i enlighet med svenska kollektivavtal, BTP1 (avgiftsbe- st\u00e4md pension) och BTP2 (f\u00f6rm\u00e5nsbest\u00e4md pension), med kompletterande avgiftsbest\u00e4mda pensionsplaner ut\u00f6ver kol- lektivavtalet. Pensionspremierna uppgick sammantaget till 30 procent av den fasta grundl\u00f6nen. Tv\u00e5 medlemmar hade en avgiftsbest\u00e4md pensionsplan i enlighet med dansk praxis. Pensionspremierna uppgick sam- mantaget till 30 procent av den fasta grundl\u00f6nen. Fyra medlemmar omfattades av det lagstadgade \ufb01nska pensionssystemet och hade i till\u00e4gg en avgiftsbest\u00e4md pen- sionsplan motsvarande 8,5 procent av den fasta grundl\u00f6nen. En medlem saknar pensionsavtal med Nordea. Uppskjuten r\u00f6rlig ers\u00e4ttning i form av Nordeaaktier En del av tilldelningen fr\u00e5n EIP 2019, EIP 2020 och EIP 2021 f\u00f6r koncernledningen har skjutits upp, med framtida betal- ning i form av Nordeaaktier. Eventuella Nordeaaktier som till- delas fr\u00e5n NIP 2022 liksom den villkorade aktietilldelningen fr\u00e5n LTIP 2020\u20132022 per 31 december 2022 ing\u00e5r inte i tabel- len nedan. K8.4  Ers\u00e4ttning till nyckelpersoner i ledande positioner, forts. Nordeaaktier \u2013 tilldelade och uppskjutna 2022 2021 Koncernchef: Frank Vang-Jensen 64 100 45 001 Vice vd: Jussi Koskinen 28 578 21 604 Koncernledning: 10 (10) personer exkl. koncernchefen och vice vd: 275 483 227 775 Summa 368 161 294 380 Tidigare koncernchef: Casper von Koskull 20 483 20 483 Tidigare Group COO och st\u00e4llf\u00f6retr\u00e4dande koncernchef: Torsten Hagen J\u00f8rgensen  12 997 12 997 Summa  401 641 327 860 Pensionsf\u00f6rpliktelser Pensionsplanerna \u00e4r fonderade, vilket inneb\u00e4r att pensions- f\u00f6rpliktelserna t\u00e4cks av f\u00f6rvaltningstillg\u00e5ngar vars verkliga v\u00e4rde i huvudsak motsvarar v\u00e4rdet av f\u00f6rpliktelserna. Pensionsf\u00f6rpliktelser (v\u00e4rdet av skulderna f\u00f6r f\u00f6rm\u00e5nsbe- st\u00e4mda pensionsplaner) ber\u00e4knas i enlighet med IAS 19.  F\u00f6r ytterligare information, se not K8.2 \u201dPensioner\u201d. Kostnaderna f\u00f6r f\u00f6rm\u00e5nsbest\u00e4mda pensionsplaner till nyckelpersoner i ledande positioner uppgick 2022 till 0 mn euro (0 mn euro). Pensionsf\u00f6rpliktelserna i tabellen nedan speglar det ber\u00e4k- nade v\u00e4rdet enligt IAS 19 den 31 december 2022 respektive 2021. Minskningen j\u00e4mf\u00f6rt med 2021 beror huvudsakligen p\u00e5 pensionsutbetalningar till pensionerade ledande befattnings- havare under \u00e5ret, h\u00f6gre diskonteringsr\u00e4ntor vid v\u00e4rderingen av f\u00f6rpliktelser vid utg\u00e5ngen av 2022 och valutaeffekter fr\u00e5n f\u00f6rpliktelser i svenska kronor. Det \ufb01nns inga f\u00f6rpliktelser f\u00f6r f\u00f6rm\u00e5nsbest\u00e4mda pensioner gentemot Nordeas koncernchef eller vice vd. Euro 2022 2021 Koncernledningen: 3 (3) individer i Sverige 756 087 1 241 536 Tidigare styrelseordf\u00f6rande, koncernchefer och st\u00e4llf\u00f6retr\u00e4dande koncernchefer: Vesa Vainio 1 4 105 734 4 667 760 Lars G Nordstr\u00f6m 243 140 289 220 Casper von Koskull 338 920 428 311 Summa 5 443 881 6 626 827 1) Pensionsf\u00f6rpliktelserna h\u00e4rr\u00f6r fr\u00e4mst fr\u00e5n f\u00f6rm\u00e5nsbest\u00e4mda pensionsr\u00e4tter intj\u00e4- nade i, och \ufb01nansierade av, de banker som bildat Nordea. Upps\u00e4gningstid och avg\u00e5ngsvederlag I enlighet med tj\u00e4nstg\u00f6ringsvillkoren har koncernchefen en upps\u00e4gningstid p\u00e5 12 m\u00e5nader och Nordea en upps\u00e4gnings- tid p\u00e5 12 m\u00e5nader. Koncernchefen har ett avg\u00e5ngsvederlag p\u00e5 12 m\u00e5nadsl\u00f6ner, vilket minskas av l\u00f6n fr\u00e5n eventuell annan anst\u00e4llning under dessa 12 m\u00e5nader. Vice vd och tio medlemmar i koncernledningen har en upps\u00e4gningstid p\u00e5 6 m\u00e5nader och Nordea en upps\u00e4gningstid p\u00e5 12 m\u00e5nader. Ett avg\u00e5ngsvederlag p\u00e5 12 m\u00e5nader l\u00e4mnas, vilket minskas av l\u00f6n fr\u00e5n eventuell annan anst\u00e4llning under dessa 12 m\u00e5nader. Vidare till\u00e4mpas konkurrensklausuler. Inga \u00e5taganden om avg\u00e5ngsvederlag gjordes gentemot medlem- marna i koncernledningen under 2021 och 2022. Betalningar till tidigare medlemmar i koncernledningen,  som utg\u00f6rs av l\u00f6n under upps\u00e4gningstid och tid i konkurrens- relaterad karant\u00e4n samt avs\u00e4ttningar f\u00f6r framtida betalningar  under konkurrensrelaterad karant\u00e4n, har kostnadsf\u00f6rts under  2022 men ing\u00e5r inte i ers\u00e4ttningstabellerna. Dessa betalning- ar och avs\u00e4ttningar uppgick till totalt 1 271 790 euro. Skadeers\u00e4ttning Nordea Bank Abp har \u00e5tagit sig att ers\u00e4tta medlemmarna i  koncernledningen f\u00f6r utgifter i samband med juridisk r\u00e5dgiv- ning f\u00f6r att f\u00f6rsvara sig emot eller bestrida vissa st\u00e4mningar  eller utredningar fr\u00e5n tredje part, dock med undantag f\u00f6r  brott eller handlingar som beg\u00e5tts upps\u00e5tligen eller av grov  oaktsamhet. Ers\u00e4ttningen f\u00f6r respektive medlem i koncern- ledningen kan som h\u00f6gst uppg\u00e5 till 37,5 mn euro, s\u00e5vida inte  K8.4  Ers\u00e4ttning till nyckelpersoner i ledande positioner, forts. styrelsen fr\u00e5n fall till fall beslutar annat. Nordea k\u00f6per  ansvarsf\u00f6rs\u00e4kring f\u00f6r ledande befattningshavare som t\u00e4cker  styrelsens och ledningens personliga ansvar samt det ansvar  som banken har till f\u00f6ljd av sitt \u00e5tagande om gottg\u00f6relse. Vill- koren, inklusive f\u00f6rs\u00e4kringens totala ansvarsbegr\u00e4nsning, \u00e4r i  linje med andra stora europeiska banker. Den ordinarie bolagsst\u00e4mman beslutade ocks\u00e5 att bolaget  ska betala eller ers\u00e4tta styrelseledam\u00f6terna f\u00f6r alla kostna- der och utgifter som avser eller uppst\u00e5r med anledning av  styrelseuppdraget, s\u00e5som resor, logistik och boende liksom  kostnader f\u00f6r r\u00e5dgivning, r\u00e4ttshj\u00e4lp och administration. Kost- naderna f\u00f6r r\u00e4ttshj\u00e4lp kan exempelvis innefatta advokatkost- nader i samband med anspr\u00e5k som riktats mot en styrelsele- damot, f\u00f6rutsatt att ledamoten inte funnits ansvarig f\u00f6r felak- tigt agerande eller grov oaktsamhet. K10.4  Transaktioner med n\u00e4rst\u00e5ende Redovisningsprinciper N\u00e4rst\u00e5ende N\u00e4rst\u00e5ende \u00e4r en person eller ett f\u00f6retag med en n\u00e4ra relation  till Nordea. N\u00e4rst\u00e5ende parter delas in i f\u00f6ljande kategorier: \u2022  Aktie\u00e4gare med betydande inflytande \u2022  Intressef\u00f6retag och joint ventures \u2022  Nyckelpersoner i ledande positioner \u2022  \u00d6vriga n\u00e4rst\u00e5ende parter. Aktie\u00e4gare med betydande inflytande Aktie\u00e4gare med betydande inflytande \u00e4r aktie\u00e4gare som har r\u00e4tt att delta i beslut som r\u00f6r Nordeas \ufb01nansiella och operativa stra- tegier, men som inte har ett best\u00e4mmande inflytande \u00f6ver dessa. Intressef\u00f6retag och joint ventures En de\ufb01nition av termen intressef\u00f6retag och joint venture \ufb01nns i not K9.3 \u201dAktier och andelar i intressef\u00f6retag och joint ventures\u201d. Nyckelpersoner i ledande positioner Nyckelpersoner i ledande positioner \u00e4r de personer som har  befogenhet och ansvar f\u00f6r planering, ledning och styrning av  f\u00f6retagets verksamhet, direkt eller indirekt, d\u00e4ribland f\u00f6reta- gets styrelse.  \u00d6vriga n\u00e4rst\u00e5ende parter \u00d6vriga n\u00e4rst\u00e5ende parter utg\u00f6rs av dotterf\u00f6retag till aktie- \u00e4gare med betydande inflytande, n\u00e4ra anh\u00f6riga till nyckel- personer i ledande positioner och bolag som kontrolleras  eller gemensamt kontrolleras av nyckelpersoner i ledande  positioner eller av n\u00e4ra anh\u00f6riga till dessa nyckelpersoner. Transaktioner med n\u00e4rst\u00e5ende En transaktion med n\u00e4rst\u00e5ende de\ufb01nieras som en \u00f6verf\u00f6ring  av resurser, tj\u00e4nster eller f\u00f6rpliktelser mellan Nordea och en  n\u00e4rst\u00e5ende part, oavsett om dessa debiteras eller inte. Se \u00e4ven Redovisningsprinciper i not K8.4 \u201dErs\u00e4ttning till   nyckelpersoner i ledande positioner\u201d . Transaktioner med n\u00e4rst\u00e5ende Intressef\u00f6retag1 \u00d6vriga n\u00e4rst\u00e5ende  parter2 Mn euro 31 dec  2022 31 dec  2021 31 dec  2022 31 dec  2021 Tillg\u00e5ngar Utl\u00e5ning 124 86 2 2 R\u00e4nteb\u00e4rande v\u00e4rdepapper \u2013 \u2013 \u2013 2 Derivatinstrument \u2013 15 \u2013 26 \u00d6vriga tillg\u00e5ngar 8 4 \u2013 6 Summa tillg\u00e5ngar 132 105 2 36 Intressef\u00f6retag1 \u00d6vriga n\u00e4rst\u00e5ende  parter2 Mn euro 31 dec  2022 31 dec  2021 31 dec  2022 31 dec  2021 Skulder In- och uppl\u00e5ning 13 11 32 1 113 Derivatinstrument 3 31 \u2013 2 \u00d6vriga skulder 0 0 \u2013 0 Summa skulder 16 42 32 1 115 Poster utanf\u00f6r balansr\u00e4kningen 0 0 0 5 Intressef\u00f6retag1 \u00d6vriga n\u00e4rst\u00e5ende  parter2 Mn euro 2022 2021 2022 202 1 R\u00e4ntenetto 1 0 0 - 4 Avgifts- och provisionsnetto 2 3 0 0 Nettoresultat av poster till verkligt v\u00e4rde -2 1 \u2013 - 1 \u00d6vriga r\u00f6relseint\u00e4kter \u2013 \u2013 \u2013 0 Summa r\u00f6relsekostnader 0 0 \u2013 0 Resultat f\u00f6re kreditf\u00f6rluster 1 4 0 - 5 1) Information om intressef\u00f6retag som ing\u00e5r i Nordeakoncernen \ufb01nns i not K9.3 \u201dAktier och  andelar i intressef\u00f6retag och joint ventures\u201d. 2) H\u00e4r ing\u00e5r aktie\u00e4gare med betydande inflytande (inklusive dessas dotterf\u00f6retag), n\u00e4ra anh\u00f6riga till nyckelpersoner i ledande positioner i Nordea, bolag som kontrolleras eller  gemensamt kontrolleras av nyckelpersoner i ledande positioner eller av n\u00e4ra anh\u00f6riga till  dessa nyckelpersoner. \u00c4ven Nordeas pensionsstiftelser ing\u00e5r. Sampo Abp hade betydand e inflytande \u00f6ver Nordea 2021 men inte 2022. Skulder till Sampo Abp och dess dotterf\u00f6reta g utg\u00f6rs huvudsakligen av inl\u00e5ning och l\u00e5ngsiktiga placeringar i obligationer emitterade av  Nordea. Transaktionerna med Sampo Abp och dess dotterf\u00f6retag innefattar ocks\u00e5 flera  \u00f6ppna derivatkontrakt. Alla transaktioner med n\u00e4rst\u00e5ende g\u00f6rs enligt samma kriterier  och villkor som vid j\u00e4mf\u00f6rbara transaktioner med externa par- ter i liknande st\u00e4llning, f\u00f6rutom utl\u00e5ning till anst\u00e4llda s\u00e5v\u00e4l  som vissa \u00f6vriga \u00e5taganden till nyckelpersoner i ledande posi- tioner, se not K8.4 \u201dErs\u00e4ttning till nyckelpersoner i ledande  positioner\u201d och not K7.1 \u201dEventualf\u00f6rpliktelser\u201d. Informationen ovan presenteras ur Nordeas perspektiv, dvs.  den visar hur Nordeas siffror har p\u00e5verkats av transaktioner  med n\u00e4rst\u00e5ende parter. Nyckelpersoner i ledande positioner omfattar i Nordea: \u2022  styrelsen \u2022  koncernchefen (vd) \u2022  vice vd \u2022  koncernledningen. Utl\u00e5ningen till nyckelpersoner i ledande positioner uppgick till  2 mn euro (3 mn euro) och r\u00e4nteint\u00e4kterna p\u00e5 dessa l\u00e5n upp- gick till 0 mn euro (0 mn euro). Inl\u00e5ning fr\u00e5n nyckelpersoner i  ledande positioner uppgick till 7 mn euro (12 mn euro) och r\u00e4n - tan p\u00e5 denna inl\u00e5ning uppgick till 0 mn euro (0 mn euro). Kre- ditl\u00f6ften till nyckelpersoner i ledande positioner uppgick till  0 mn euro (0 mn euro). Nyckelpersoner i ledande positioner som \u00e4r anst\u00e4llda av  Nordea erh\u00e5ller samma kreditvillkor som \u00f6vriga anst\u00e4llda. I Fin- land motsvarar personalr\u00e4ntan Nordea Bank Abp:s inl\u00e5nings- kostnad med en marginal p\u00e5 30 eller 40 punkter, beroende p\u00e5 referensr\u00e4ntan. I Danmark \u00e4r personalr\u00e4ntan f\u00f6r l\u00e5n r\u00f6rlig och varierar mellan 1,95 \u20133,6 procent beroende p\u00e5 typ av bol\u00e5n. I Norge var den r\u00f6rliga personalr\u00e4ntan 3,11 procent den 31 decem- ber 2022. Bostadsl\u00e5n till fast r\u00e4nta erbjuds till samma villkor som f\u00f6r f\u00f6rm\u00e5nskunder. I Sverige \u00e4r personalr\u00e4ntan p\u00e5 l\u00e5n med fast eller r\u00f6rlig r\u00e4nta 215 punkter l\u00e4gre \u00e4n motsvarande r\u00e4nta f\u00f6r externa kunder (med en nedre gr\u00e4ns p\u00e5 50 punkter och ett tak p\u00e5 57 svenska prisbasbelopp). L\u00e5n som \u00f6verstiger det fastst\u00e4llda taket ges till samma villkor som f\u00f6r vanliga kunder. L\u00e5n till famil- jemedlemmar till nyckelpersoner i ledande positioner, som inte lever i samma hush\u00e5ll, ges till normala marknadsvillkor. Motsva- rande villkor g\u00e4ller \u00e4ven f\u00f6r nyckelpersoner i ledande positioner som ej \u00e4r anst\u00e4llda av Nordea. F\u00f6r mer information om transak- tioner med nyckelpersoner i ledande positioner, se not K8.4 \u201dErs\u00e4ttning till nyckelpersoner i ledande positioner\u201d. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRelatedPartyExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-708": {
   "value": "K8.5   F\u00f6rdelning efter k\u00f6n  och antal anst\u00e4llda F\u00f6rdelning efter k\u00f6n, ledande befattningshavare I moderf\u00f6retagets styrelse var 50 procent (60 procent) av   styrelseledam\u00f6terna som bolagsst\u00e4mman utsett m\u00e4n och  50 procent (40 procent) kvinnor. I styrelserna f\u00f6r Nordea- koncernens f\u00f6retag var 63 procent (68 procent) m\u00e4n och  37 procent (32 procent) kvinnor. Motsvarande siffror f\u00f6r \u00f6vriga  ledande befattningshavare var 63 procent (71 procent) m\u00e4n  och 37 procent (29 procent) kvinnor. Interna styrelser utg\u00f6rs  fr\u00e4mst av ledningen inom Nordea,  arbetstagar representanter \u00e4r exkluderade. Medelantal anst\u00e4llda, omr\u00e4knat till heltidstj\u00e4nster Summa M\u00e4n Kvinnor 2022 2021 2022 2021 2022 2021 Danmark 6 714 6 854 3 885 3 981 2 829 2 873 Sverige 6 103 6 049 2 985 2 960 3 118 3 089 Finland 5 920 5 818 2 435 2 316 3 485 3 502 Polen 4 623 4 586 2 439 2 544 2 184 2 042 Norge 2 775 2 864 1 479 1 535 1 296 1 329 Estland 883 718 292 244 591 474 Luxemburg 184 190 122 104 62 86 USA 102 111 46 50 56 61 Storbritannien 32 38 22 25 10 13 Kina 27 27 13 13 14 14 Tyskland 17 16 5 12 12 4 Portugal 37 13 24 5 13 8 Italien 11 11 2 8 9 3 Spanien 5 6 2 4 3 2 Schweiz 5 4 1 4 4 \u2013 Frankrike 5 4 2 3 3 1 Singapore 4 13 3 5 1 8 Belgien 3 3 1 2 2 1 Chile 2 2 \u2013 2 2 \u2013 \u00d6sterrike 1 1 \u2013 1 1 \u2013 Ryssland \u2013 74 \u2013 29 \u2013 45 Summa genomsnitt 27 453 27 402 13 758 13 847 13 695 13 555 Totalt antal anst\u00e4llda (omr\u00e4knat till heltidstj\u00e4nster), vid \u00e5rets slut 28 268 26 894",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutEmployeesExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-710": {
   "value": "K9  Konsolideringens omfattning K9.1  Konsoliderade f\u00f6retag Redovisningsprinciper Koncernredovisningen omfattar moderf\u00f6retaget Nordea Bank Abp samt de f\u00f6retag som moderf\u00f6retaget har ett best\u00e4m- mande inflytande \u00f6ver. Best\u00e4mmande inflytande f\u00f6religger n\u00e4r Nordea \u00e4r exponerat f\u00f6r volatilitet i avkastningen fr\u00e5n sina investeringar i ett annat f\u00f6retag och kan p\u00e5verka avkast- ningen genom sitt inflytande \u00f6ver det andra f\u00f6retaget. Best\u00e4mmande inflytande uppn\u00e5s i regel om moderf\u00f6retaget, direkt eller indirekt genom koncernf\u00f6retag, innehar mer \u00e4n 50 procent av aktiernas r\u00f6stv\u00e4rde. F\u00f6r f\u00f6retag d\u00e4r r\u00f6str\u00e4tterna inte ger best\u00e4mmande inflytande, se avsnittet \u201dStrukturerade f\u00f6retag\u201d nedan. Samtliga koncernf\u00f6retag konsolideras i enlighet med f\u00f6r- v\u00e4rvsmetoden. Enligt f\u00f6rv\u00e4rvsmetoden betraktas k\u00f6pet som en transaktion d\u00e4r moderf\u00f6retaget indirekt f\u00f6rv\u00e4rvar kon- cernf\u00f6retagets tillg\u00e5ngar och \u00f6vertar dess skulder och even- tualf\u00f6rpliktelser. Koncernens anskaffningsv\u00e4rde ber\u00e4knas med hj\u00e4lp av en f\u00f6rv\u00e4rvsanalys. Vid analysen fastst\u00e4lls anskaffningsv\u00e4rdet till summan, p\u00e5 \u00f6verl\u00e5telsedagen, av verkligt v\u00e4rde p\u00e5 \u00f6verl\u00e5tna tillg\u00e5ngar, uppkomna eller \u00f6ver- tagna skulder samt av f\u00f6rv\u00e4rvaren emitterade eget kapital- instrument, i utbyte mot de f\u00f6rv\u00e4rvade identi\ufb01erbara nettotill- g\u00e5ngarna. Kostnader som \u00e4r direkt h\u00e4nf\u00f6rliga till r\u00f6relsef\u00f6r- v\u00e4rvet kostnadsf\u00f6rs. P\u00e5 f\u00f6rv\u00e4rvsdagen redovisar Nordea de f\u00f6rv\u00e4rvade identi- \ufb01erbara tillg\u00e5ngarna och \u00f6vertagna skulderna till verkligt v\u00e4rde per f\u00f6rv\u00e4rvsdagen. F\u00f6r varje r\u00f6relsef\u00f6rv\u00e4rv v\u00e4rderar Nordea minoritetsintres- sena i den f\u00f6rv\u00e4rvade r\u00f6relsen antingen till verkligt v\u00e4rde eller till innehavets proportionella andel av den f\u00f6rv\u00e4rvade r\u00f6relsens nettotillg\u00e5ngar. Om summan av den ers\u00e4ttning som betalas vid ett r\u00f6relse- f\u00f6rv\u00e4rv och det belopp som redovisas som minoritetsintres- sen \u00f6verstiger det verkliga nettov\u00e4rdet p\u00e5 identi\ufb01erbara till- g\u00e5ngar, skulder och eventualf\u00f6rpliktelser redovisas skillnaden som goodwill. Om skillnaden \u00e4r negativ redovisas den direkt i resultatr\u00e4kningen. Eget kapital och resultat h\u00e4nf\u00f6rliga till minoritetsintressen redovisas p\u00e5 separata rader i balans- och resultatr\u00e4kningen samt i rapport \u00f6ver totalresultat. Koncerninterna transaktioner samt fordringar och skulder mellan koncernf\u00f6retagen elimineras. Koncernf\u00f6retagen ing\u00e5r i koncernredovisningen fr\u00e5n den dag det best\u00e4mmande inflytandet \u00f6ver f\u00f6retaget \u00f6verg\u00e5r till Nordea. Konsolideringen upph\u00f6r n\u00e4r best\u00e4mmande inflytan- de inte l\u00e4ngre existerar. I samband med konsolideringen anpassas koncernf\u00f6reta- gens redovisning f\u00f6r att uppn\u00e5 \u00f6verensst\u00e4mmelse med de IFRS-principer som Nordea till\u00e4mpa r . ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSubsidiariesExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-711": {
   "value": "K9.1  Konsoliderade f\u00f6retag Redovisningsprinciper Koncernredovisningen omfattar moderf\u00f6retaget Nordea Bank Abp samt de f\u00f6retag som moderf\u00f6retaget har ett best\u00e4m- mande inflytande \u00f6ver. Best\u00e4mmande inflytande f\u00f6religger n\u00e4r Nordea \u00e4r exponerat f\u00f6r volatilitet i avkastningen fr\u00e5n sina investeringar i ett annat f\u00f6retag och kan p\u00e5verka avkast- ningen genom sitt inflytande \u00f6ver det andra f\u00f6retaget. Best\u00e4mmande inflytande uppn\u00e5s i regel om moderf\u00f6retaget, direkt eller indirekt genom koncernf\u00f6retag, innehar mer \u00e4n 50 procent av aktiernas r\u00f6stv\u00e4rde. F\u00f6r f\u00f6retag d\u00e4r r\u00f6str\u00e4tterna inte ger best\u00e4mmande inflytande, se avsnittet \u201dStrukturerade f\u00f6retag\u201d nedan. Samtliga koncernf\u00f6retag konsolideras i enlighet med f\u00f6r- v\u00e4rvsmetoden. Enligt f\u00f6rv\u00e4rvsmetoden betraktas k\u00f6pet som en transaktion d\u00e4r moderf\u00f6retaget indirekt f\u00f6rv\u00e4rvar kon- cernf\u00f6retagets tillg\u00e5ngar och \u00f6vertar dess skulder och even- tualf\u00f6rpliktelser. Koncernens anskaffningsv\u00e4rde ber\u00e4knas med hj\u00e4lp av en f\u00f6rv\u00e4rvsanalys. Vid analysen fastst\u00e4lls anskaffningsv\u00e4rdet till summan, p\u00e5 \u00f6verl\u00e5telsedagen, av verkligt v\u00e4rde p\u00e5 \u00f6verl\u00e5tna tillg\u00e5ngar, uppkomna eller \u00f6ver- tagna skulder samt av f\u00f6rv\u00e4rvaren emitterade eget kapital- instrument, i utbyte mot de f\u00f6rv\u00e4rvade identi\ufb01erbara nettotill- g\u00e5ngarna. Kostnader som \u00e4r direkt h\u00e4nf\u00f6rliga till r\u00f6relsef\u00f6r- v\u00e4rvet kostnadsf\u00f6rs. P\u00e5 f\u00f6rv\u00e4rvsdagen redovisar Nordea de f\u00f6rv\u00e4rvade identi- \ufb01erbara tillg\u00e5ngarna och \u00f6vertagna skulderna till verkligt v\u00e4rde per f\u00f6rv\u00e4rvsdagen. F\u00f6r varje r\u00f6relsef\u00f6rv\u00e4rv v\u00e4rderar Nordea minoritetsintres- sena i den f\u00f6rv\u00e4rvade r\u00f6relsen antingen till verkligt v\u00e4rde eller till innehavets proportionella andel av den f\u00f6rv\u00e4rvade r\u00f6relsens nettotillg\u00e5ngar. Om summan av den ers\u00e4ttning som betalas vid ett r\u00f6relse- f\u00f6rv\u00e4rv och det belopp som redovisas som minoritetsintres- sen \u00f6verstiger det verkliga nettov\u00e4rdet p\u00e5 identi\ufb01erbara till- g\u00e5ngar, skulder och eventualf\u00f6rpliktelser redovisas skillnaden som goodwill. Om skillnaden \u00e4r negativ redovisas den direkt i resultatr\u00e4kningen. Eget kapital och resultat h\u00e4nf\u00f6rliga till minoritetsintressen redovisas p\u00e5 separata rader i balans- och resultatr\u00e4kningen samt i rapport \u00f6ver totalresultat. Koncerninterna transaktioner samt fordringar och skulder mellan koncernf\u00f6retagen elimineras. Koncernf\u00f6retagen ing\u00e5r i koncernredovisningen fr\u00e5n den dag det best\u00e4mmande inflytandet \u00f6ver f\u00f6retaget \u00f6verg\u00e5r till Nordea. Konsolideringen upph\u00f6r n\u00e4r best\u00e4mmande inflytan- de inte l\u00e4ngre existerar. I samband med konsolideringen anpassas koncernf\u00f6reta- gens redovisning f\u00f6r att uppn\u00e5 \u00f6verensst\u00e4mmelse med de IFRS-principer som Nordea till\u00e4mpa r . Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar En avg\u00f6rande faktor vid bed\u00f6mningen av om Nordea ut\u00f6var ett best\u00e4mmande inflytande \u00f6ver ett annat f\u00f6retag \u00e4r huru- vida Nordea \u00e4r exponerat f\u00f6r volatilitet i avkastningen fr\u00e5n investeringen. F\u00f6r strukturerade f\u00f6retag d\u00e4r r\u00f6str\u00e4tten inte \u00e4r den avg\u00f6rande faktorn vid best\u00e4mning av best\u00e4mmande inflytande, m\u00e5ste kritiska bed\u00f6mningar g\u00f6ras f\u00f6r att fastst\u00e4lla n\u00e4r Nordea \u00e4r exponerat f\u00f6r betydande volatilitet i avkast- ningen. Nordeas kritiska bed\u00f6mning \u00e4r att Nordea normalt \u00e4r exponerat f\u00f6r volatilitet i avkastningen n\u00e4r Nordea erh\u00e5ller mer \u00e4n 30 procent av den avkastning som det strukturerade f\u00f6retaget genererar. Detta g\u00e4ller endast strukturerade f\u00f6retag om Nordea ocks\u00e5 \u00e4r kapitalf\u00f6rvaltare och d\u00e4rmed har infly- tande \u00f6ver den avkastning som genereras av det strukture- rade f\u00f6retaget. Ytterligare en bed\u00f6mning avseende best\u00e4mmande infly- tande \u00e4r om Nordea \u00e4r en agent eller huvudman. F\u00f6r fondf\u00f6r- s\u00e4kringar och andra kontrakt d\u00e4r f\u00f6rs\u00e4kringstagaren/ins\u00e4tta- ren best\u00e4mmer b\u00e5de belopp och vilka tillg\u00e5ngar som Nordea ska investera i, anses Nordea vara agent och d\u00e4rmed inte ha best\u00e4mmande inflytande. En bed\u00f6mning m\u00e5ste \u00e4ven g\u00f6ras f\u00f6r att avg\u00f6ra om ett betydande innehav av r\u00f6str\u00e4tterna i ett bolag, som dock \u00e4r mindre \u00e4n ett majoritetsinnehav, ger Nordea faktisk kontroll (s\u00e5 kallad de facto-kontroll), och likas\u00e5 i vilken utstr\u00e4ckning potentiella r\u00f6str\u00e4tter ska tas i beaktande vid bed\u00f6mningen. Den nuvarande bed\u00f6mningen \u00e4r att Nordea inte har faktisk kontroll \u00f6ver n\u00e5gra enheter d\u00e4r r\u00f6str\u00e4tterna understiger 50 procent . Speci\ufb01kationen nedan omfattar moderf\u00f6retaget inklusive  \ufb01lialer, st\u00f6rre direkt\u00e4gda dotterf\u00f6retag samt st\u00f6rre dotter f\u00f6retag till  dessa direkt\u00e4gda dotterf\u00f6retag. Bolag S\u00e4te \u00c4garandel % R\u00f6standel % Nordea Bank Abp Helsingfors E/T E/T Filial i Danmark K\u00f6penhamn E/T E/T Filial i Estland Tallinn E/T E/T Filial i London London E/T E/T Filial i New York New York E/T E/T Filial i Norge Oslo E/T E/T Filial i Polen \u0141\u00f3d\u017a E/T E/T Filial i Shanghai Shanghai E/T E/T Filial i Sverige Stockholm  E/T E/T Nordea Kredit RealKreditaktieselskab K\u00f6penhamn 100,0 100,0 Nordea Hypotek AB (publ) Stockholm  100,0 100,0 Nordea Eiendomskreditt AS Oslo 100,0 100,0 Nordea Hypoteksbank Abp  Helsingfors 100,0 100,0 Nordea Finans Finland Ab Helsingfors 100,0 100,0 Nordea Finans Danmark A/S H\u00f8je Taastrup 100,0 100,0 Nordea Finans Sverige AB (publ) Stockholm 100,0 100,0 Nordea Finans Norge AS Oslo 100,0 100,0 Nordea Finance Equipment AS Oslo 100,0 100,0 LLC Promyshlennaya Kompaniya Vestkon1 Moskva 100,0 100,0 Nordea Funds Ab Helsingfors 100,0 100,0 Nordea Asset Management Holding AB Stockholm 100,0 100,0 Nordea Investment Funds S.A. Luxemburg 100,0 100,0 Nordea Investment Management AB Stockholm  100,0 100,0 Nordea Life Holding AB Stockholm  100,0 100,0 Topdanmark Livsforsikring A/S K\u00f6penhamn 100,0 100,0 Nordea Life Assurance Finland Ltd Helsingfors 100,0 100,0 Livforsikringsselskapet Nordea Liv Norge AS Bergen 100,0 100,0 Nordea Livf\u00f6rs\u00e4kring Sverige AB (publ) Stockholm 100,0 100,0 1)  I december 2020 beslutade Nordea att l\u00e4gga ner verksamheten i Ryssland. Den legala processen f\u00f6r att st\u00e4nga ner dotterf\u00f6retagen har p\u00e5b\u00f6rjats. Det \ufb01nns olika typer av begr\u00e4nsningar f\u00f6r hur Nordea kan f\u00e5  \u00e5tkomst till och \u00f6verf\u00f6ra tillg\u00e5ngar inom koncernen. Utdelningar anv\u00e4nds f\u00f6r att \u00f6verf\u00f6ra \u00f6verskottskapital i  Nordea Bank Abp:s dotterf\u00f6retag till moderf\u00f6retaget. Utdel- ningsbeloppet fastst\u00e4lls f\u00f6r varje f\u00f6retag utifr\u00e5n utdelnings- bara medel, kapitalt\u00e4ckningsregler och nyckeltal, kapital- och  aff\u00e4rsplanering, skattem\u00e4ssiga \u00f6verv\u00e4ganden f\u00f6r aktuellt  land samt koncerninterna riktlinjer. Tillsynsm\u00e4ssiga restriktio- ner kring utdelning, b\u00e5de allm\u00e4nna och nationella, liksom  ber\u00e4knade f\u00f6r\u00e4ndringar i f\u00f6retagens kapitalkrav och riskex- poneringsbelopp ing\u00e5r i analysen inf\u00f6r utdelningsbeslut. Enligt kapitalt\u00e4ckningsf\u00f6rordningen (CRR) ska kreditinsti- tut h\u00e5lla likvida tillg\u00e5ngar, vars sammanlagda v\u00e4rde t\u00e4cker  likviditetsutfl\u00f6den minus likviditetsinfl\u00f6den under stressade  f\u00f6rh\u00e5llanden. Detta f\u00f6r att s\u00e4kerst\u00e4lla att institutet uppr\u00e4tt- h\u00e5ller tillr\u00e4ckliga likviditetsreserver. Det \ufb01nns ocks\u00e5 nationella  likviditetskrav som begr\u00e4nsar \u00f6verf\u00f6ringen av kapital mellan  f\u00f6retag. Koncernen har pantsatt tillg\u00e5ngar som s\u00e4kerhet f\u00f6r \u00e5ta- ganden enligt \u00e5terk\u00f6psavtal, transaktioner avseende v\u00e4rde- pappers\ufb01nansiering, hypoteksl\u00e5n samt f\u00f6r ber\u00e4kningen av  marginals\u00e4kerhet f\u00f6r OTC-derivat (skulder). Ytterligare infor- mation \ufb01nns i not K7.3 \u201dSt\u00e4llda s\u00e4kerheter\u201d. F\u00f6r banker i resolution, vilket inte \u00e4r aktuellt i Nordea p\u00e5  balansdagen, \ufb01nns m\u00f6jliga begr\u00e4nsningar eftersom tillsyns- myndigheterna skulle ha l\u00e5ngtg\u00e5ende resolutionsverktyg till  sitt f\u00f6rfogande om detta skulle beh\u00f6vas. Lagstadgade, avtalsbetingade och tillsynsm\u00e4ssiga krav lik- som vetor\u00e4tter i samband med minoritetsintressen kan  begr\u00e4nsa koncernens f\u00f6rm\u00e5ga att f\u00e5 \u00e5tkomst till och \u00f6verf\u00f6ra  tillg\u00e5ngar till eller fr\u00e5n andra f\u00f6retag inom koncernen och  reglera koncernens skulder. Eftersom koncernen inte hade  n\u00e5gra v\u00e4sentliga minoritetsintressen p\u00e5 balansdagen, var det  inte n\u00e5gra vetor\u00e4tter h\u00e4nf\u00f6rliga till dessa som medf\u00f6rde bety- dande begr\u00e4nsningar. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-713": {
   "value": "K9.1  Konsoliderade f\u00f6retag Redovisningsprinciper Koncernredovisningen omfattar moderf\u00f6retaget Nordea Bank Abp samt de f\u00f6retag som moderf\u00f6retaget har ett best\u00e4m- mande inflytande \u00f6ver. Best\u00e4mmande inflytande f\u00f6religger n\u00e4r Nordea \u00e4r exponerat f\u00f6r volatilitet i avkastningen fr\u00e5n sina investeringar i ett annat f\u00f6retag och kan p\u00e5verka avkast- ningen genom sitt inflytande \u00f6ver det andra f\u00f6retaget. Best\u00e4mmande inflytande uppn\u00e5s i regel om moderf\u00f6retaget, direkt eller indirekt genom koncernf\u00f6retag, innehar mer \u00e4n 50 procent av aktiernas r\u00f6stv\u00e4rde. F\u00f6r f\u00f6retag d\u00e4r r\u00f6str\u00e4tterna inte ger best\u00e4mmande inflytande, se avsnittet \u201dStrukturerade f\u00f6retag\u201d nedan. Samtliga koncernf\u00f6retag konsolideras i enlighet med f\u00f6r- v\u00e4rvsmetoden. Enligt f\u00f6rv\u00e4rvsmetoden betraktas k\u00f6pet som en transaktion d\u00e4r moderf\u00f6retaget indirekt f\u00f6rv\u00e4rvar kon- cernf\u00f6retagets tillg\u00e5ngar och \u00f6vertar dess skulder och even- tualf\u00f6rpliktelser. Koncernens anskaffningsv\u00e4rde ber\u00e4knas med hj\u00e4lp av en f\u00f6rv\u00e4rvsanalys. Vid analysen fastst\u00e4lls anskaffningsv\u00e4rdet till summan, p\u00e5 \u00f6verl\u00e5telsedagen, av verkligt v\u00e4rde p\u00e5 \u00f6verl\u00e5tna tillg\u00e5ngar, uppkomna eller \u00f6ver- tagna skulder samt av f\u00f6rv\u00e4rvaren emitterade eget kapital- instrument, i utbyte mot de f\u00f6rv\u00e4rvade identi\ufb01erbara nettotill- g\u00e5ngarna. Kostnader som \u00e4r direkt h\u00e4nf\u00f6rliga till r\u00f6relsef\u00f6r- v\u00e4rvet kostnadsf\u00f6rs. P\u00e5 f\u00f6rv\u00e4rvsdagen redovisar Nordea de f\u00f6rv\u00e4rvade identi- \ufb01erbara tillg\u00e5ngarna och \u00f6vertagna skulderna till verkligt v\u00e4rde per f\u00f6rv\u00e4rvsdagen. F\u00f6r varje r\u00f6relsef\u00f6rv\u00e4rv v\u00e4rderar Nordea minoritetsintres- sena i den f\u00f6rv\u00e4rvade r\u00f6relsen antingen till verkligt v\u00e4rde eller till innehavets proportionella andel av den f\u00f6rv\u00e4rvade r\u00f6relsens nettotillg\u00e5ngar. Om summan av den ers\u00e4ttning som betalas vid ett r\u00f6relse- f\u00f6rv\u00e4rv och det belopp som redovisas som minoritetsintres- sen \u00f6verstiger det verkliga nettov\u00e4rdet p\u00e5 identi\ufb01erbara till- g\u00e5ngar, skulder och eventualf\u00f6rpliktelser redovisas skillnaden som goodwill. Om skillnaden \u00e4r negativ redovisas den direkt i resultatr\u00e4kningen. Eget kapital och resultat h\u00e4nf\u00f6rliga till minoritetsintressen redovisas p\u00e5 separata rader i balans- och resultatr\u00e4kningen samt i rapport \u00f6ver totalresultat. Koncerninterna transaktioner samt fordringar och skulder mellan koncernf\u00f6retagen elimineras. Koncernf\u00f6retagen ing\u00e5r i koncernredovisningen fr\u00e5n den dag det best\u00e4mmande inflytandet \u00f6ver f\u00f6retaget \u00f6verg\u00e5r till Nordea. Konsolideringen upph\u00f6r n\u00e4r best\u00e4mmande inflytan- de inte l\u00e4ngre existerar. I samband med konsolideringen anpassas koncernf\u00f6reta- gens redovisning f\u00f6r att uppn\u00e5 \u00f6verensst\u00e4mmelse med de IFRS-principer som Nordea till\u00e4mpa r . K9.6 F\u00f6rv\u00e4rv Redovisningsprinciper I samband med f\u00f6retagsf\u00f6rv\u00e4rv redovisas de f\u00f6rv\u00e4rvade iden- ti\ufb01erbara tillg\u00e5ngarna och skulderna till verkligt v\u00e4rde, inklu- sive eventuella immateriella tillg\u00e5ngar som identi\ufb01erats vid f\u00f6rv\u00e4rvet. Det verkliga v\u00e4rdet, netto, p\u00e5 identi\ufb01erbara till- g\u00e5ngar och skulder j\u00e4mf\u00f6rs med erlagd k\u00f6peskilling och eventuellt \u00f6verskott redovisas som goodwill. Se \u00e4ven not K9.1 \u201dKonsoliderade f\u00f6retag\u201d. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBusinessCombinationsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-715": {
   "value": "K9.1  Konsoliderade f\u00f6retag Redovisningsprinciper Koncernredovisningen omfattar moderf\u00f6retaget Nordea Bank Abp samt de f\u00f6retag som moderf\u00f6retaget har ett best\u00e4m- mande inflytande \u00f6ver. Best\u00e4mmande inflytande f\u00f6religger n\u00e4r Nordea \u00e4r exponerat f\u00f6r volatilitet i avkastningen fr\u00e5n sina investeringar i ett annat f\u00f6retag och kan p\u00e5verka avkast- ningen genom sitt inflytande \u00f6ver det andra f\u00f6retaget. Best\u00e4mmande inflytande uppn\u00e5s i regel om moderf\u00f6retaget, direkt eller indirekt genom koncernf\u00f6retag, innehar mer \u00e4n 50 procent av aktiernas r\u00f6stv\u00e4rde. F\u00f6r f\u00f6retag d\u00e4r r\u00f6str\u00e4tterna inte ger best\u00e4mmande inflytande, se avsnittet \u201dStrukturerade f\u00f6retag\u201d nedan. Samtliga koncernf\u00f6retag konsolideras i enlighet med f\u00f6r- v\u00e4rvsmetoden. Enligt f\u00f6rv\u00e4rvsmetoden betraktas k\u00f6pet som en transaktion d\u00e4r moderf\u00f6retaget indirekt f\u00f6rv\u00e4rvar kon- cernf\u00f6retagets tillg\u00e5ngar och \u00f6vertar dess skulder och even- tualf\u00f6rpliktelser. Koncernens anskaffningsv\u00e4rde ber\u00e4knas med hj\u00e4lp av en f\u00f6rv\u00e4rvsanalys. Vid analysen fastst\u00e4lls anskaffningsv\u00e4rdet till summan, p\u00e5 \u00f6verl\u00e5telsedagen, av verkligt v\u00e4rde p\u00e5 \u00f6verl\u00e5tna tillg\u00e5ngar, uppkomna eller \u00f6ver- tagna skulder samt av f\u00f6rv\u00e4rvaren emitterade eget kapital- instrument, i utbyte mot de f\u00f6rv\u00e4rvade identi\ufb01erbara nettotill- g\u00e5ngarna. Kostnader som \u00e4r direkt h\u00e4nf\u00f6rliga till r\u00f6relsef\u00f6r- v\u00e4rvet kostnadsf\u00f6rs. P\u00e5 f\u00f6rv\u00e4rvsdagen redovisar Nordea de f\u00f6rv\u00e4rvade identi- \ufb01erbara tillg\u00e5ngarna och \u00f6vertagna skulderna till verkligt v\u00e4rde per f\u00f6rv\u00e4rvsdagen. F\u00f6r varje r\u00f6relsef\u00f6rv\u00e4rv v\u00e4rderar Nordea minoritetsintres- sena i den f\u00f6rv\u00e4rvade r\u00f6relsen antingen till verkligt v\u00e4rde eller till innehavets proportionella andel av den f\u00f6rv\u00e4rvade r\u00f6relsens nettotillg\u00e5ngar. Om summan av den ers\u00e4ttning som betalas vid ett r\u00f6relse- f\u00f6rv\u00e4rv och det belopp som redovisas som minoritetsintres- sen \u00f6verstiger det verkliga nettov\u00e4rdet p\u00e5 identi\ufb01erbara till- g\u00e5ngar, skulder och eventualf\u00f6rpliktelser redovisas skillnaden som goodwill. Om skillnaden \u00e4r negativ redovisas den direkt i resultatr\u00e4kningen. Eget kapital och resultat h\u00e4nf\u00f6rliga till minoritetsintressen redovisas p\u00e5 separata rader i balans- och resultatr\u00e4kningen samt i rapport \u00f6ver totalresultat. Koncerninterna transaktioner samt fordringar och skulder mellan koncernf\u00f6retagen elimineras. Koncernf\u00f6retagen ing\u00e5r i koncernredovisningen fr\u00e5n den dag det best\u00e4mmande inflytandet \u00f6ver f\u00f6retaget \u00f6verg\u00e5r till Nordea. Konsolideringen upph\u00f6r n\u00e4r best\u00e4mmande inflytan- de inte l\u00e4ngre existerar. I samband med konsolideringen anpassas koncernf\u00f6reta- gens redovisning f\u00f6r att uppn\u00e5 \u00f6verensst\u00e4mmelse med de IFRS-principer som Nordea till\u00e4mpa Minoritetsintressen omfattar den del av koncernf\u00f6retags nettotillg\u00e5ngar som inte \u00e4gs direkt eller indirekt av Nordea Bank Abp. F\u00f6r varje r\u00f6relsef\u00f6rv\u00e4rv v\u00e4rderar Nordea minori- tetsintressena i den f\u00f6rv\u00e4rvade r\u00f6relsen antingen till verkligt v\u00e4rde eller till innehavets proportionella andel av den f\u00f6rv\u00e4r- vade r\u00f6relsens nettotillg\u00e5ngar. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTransactionsWithNoncontrollingInterestsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-716": {
   "value": "K9.1  Konsoliderade f\u00f6retag Redovisningsprinciper Koncernredovisningen omfattar moderf\u00f6retaget Nordea Bank Abp samt de f\u00f6retag som moderf\u00f6retaget har ett best\u00e4m- mande inflytande \u00f6ver. Best\u00e4mmande inflytande f\u00f6religger n\u00e4r Nordea \u00e4r exponerat f\u00f6r volatilitet i avkastningen fr\u00e5n sina investeringar i ett annat f\u00f6retag och kan p\u00e5verka avkast- ningen genom sitt inflytande \u00f6ver det andra f\u00f6retaget. Best\u00e4mmande inflytande uppn\u00e5s i regel om moderf\u00f6retaget, direkt eller indirekt genom koncernf\u00f6retag, innehar mer \u00e4n 50 procent av aktiernas r\u00f6stv\u00e4rde. F\u00f6r f\u00f6retag d\u00e4r r\u00f6str\u00e4tterna inte ger best\u00e4mmande inflytande, se avsnittet \u201dStrukturerade f\u00f6retag\u201d nedan. Samtliga koncernf\u00f6retag konsolideras i enlighet med f\u00f6r- v\u00e4rvsmetoden. Enligt f\u00f6rv\u00e4rvsmetoden betraktas k\u00f6pet som en transaktion d\u00e4r moderf\u00f6retaget indirekt f\u00f6rv\u00e4rvar kon- cernf\u00f6retagets tillg\u00e5ngar och \u00f6vertar dess skulder och even- tualf\u00f6rpliktelser. Koncernens anskaffningsv\u00e4rde ber\u00e4knas med hj\u00e4lp av en f\u00f6rv\u00e4rvsanalys. Vid analysen fastst\u00e4lls anskaffningsv\u00e4rdet till summan, p\u00e5 \u00f6verl\u00e5telsedagen, av verkligt v\u00e4rde p\u00e5 \u00f6verl\u00e5tna tillg\u00e5ngar, uppkomna eller \u00f6ver- tagna skulder samt av f\u00f6rv\u00e4rvaren emitterade eget kapital- instrument, i utbyte mot de f\u00f6rv\u00e4rvade identi\ufb01erbara nettotill- g\u00e5ngarna. Kostnader som \u00e4r direkt h\u00e4nf\u00f6rliga till r\u00f6relsef\u00f6r- v\u00e4rvet kostnadsf\u00f6rs. P\u00e5 f\u00f6rv\u00e4rvsdagen redovisar Nordea de f\u00f6rv\u00e4rvade identi- \ufb01erbara tillg\u00e5ngarna och \u00f6vertagna skulderna till verkligt v\u00e4rde per f\u00f6rv\u00e4rvsdagen. F\u00f6r varje r\u00f6relsef\u00f6rv\u00e4rv v\u00e4rderar Nordea minoritetsintres- sena i den f\u00f6rv\u00e4rvade r\u00f6relsen antingen till verkligt v\u00e4rde eller till innehavets proportionella andel av den f\u00f6rv\u00e4rvade r\u00f6relsens nettotillg\u00e5ngar. Om summan av den ers\u00e4ttning som betalas vid ett r\u00f6relse- f\u00f6rv\u00e4rv och det belopp som redovisas som minoritetsintres- sen \u00f6verstiger det verkliga nettov\u00e4rdet p\u00e5 identi\ufb01erbara till- g\u00e5ngar, skulder och eventualf\u00f6rpliktelser redovisas skillnaden som goodwill. Om skillnaden \u00e4r negativ redovisas den direkt i resultatr\u00e4kningen. Eget kapital och resultat h\u00e4nf\u00f6rliga till minoritetsintressen redovisas p\u00e5 separata rader i balans- och resultatr\u00e4kningen samt i rapport \u00f6ver totalresultat. Koncerninterna transaktioner samt fordringar och skulder mellan koncernf\u00f6retagen elimineras. Koncernf\u00f6retagen ing\u00e5r i koncernredovisningen fr\u00e5n den dag det best\u00e4mmande inflytandet \u00f6ver f\u00f6retaget \u00f6verg\u00e5r till Nordea. Konsolideringen upph\u00f6r n\u00e4r best\u00e4mmande inflytan- de inte l\u00e4ngre existerar. I samband med konsolideringen anpassas koncernf\u00f6reta- gens redovisning f\u00f6r att uppn\u00e5 \u00f6verensst\u00e4mmelse med de IFRS-principer som Nordea till\u00e4mpa r . Kritiska bed\u00f6mningar och os\u00e4kerhet i uppskattningar En avg\u00f6rande faktor vid bed\u00f6mningen av om Nordea ut\u00f6var ett best\u00e4mmande inflytande \u00f6ver ett annat f\u00f6retag \u00e4r huru- vida Nordea \u00e4r exponerat f\u00f6r volatilitet i avkastningen fr\u00e5n investeringen. F\u00f6r strukturerade f\u00f6retag d\u00e4r r\u00f6str\u00e4tten inte \u00e4r den avg\u00f6rande faktorn vid best\u00e4mning av best\u00e4mmande inflytande, m\u00e5ste kritiska bed\u00f6mningar g\u00f6ras f\u00f6r att fastst\u00e4lla n\u00e4r Nordea \u00e4r exponerat f\u00f6r betydande volatilitet i avkast- ningen. Nordeas kritiska bed\u00f6mning \u00e4r att Nordea normalt \u00e4r exponerat f\u00f6r volatilitet i avkastningen n\u00e4r Nordea erh\u00e5ller mer \u00e4n 30 procent av den avkastning som det strukturerade f\u00f6retaget genererar. Detta g\u00e4ller endast strukturerade f\u00f6retag om Nordea ocks\u00e5 \u00e4r kapitalf\u00f6rvaltare och d\u00e4rmed har infly- tande \u00f6ver den avkastning som genereras av det strukture- rade f\u00f6retaget. Ytterligare en bed\u00f6mning avseende best\u00e4mmande infly- tande \u00e4r om Nordea \u00e4r en agent eller huvudman. F\u00f6r fondf\u00f6r- s\u00e4kringar och andra kontrakt d\u00e4r f\u00f6rs\u00e4kringstagaren/ins\u00e4tta- ren best\u00e4mmer b\u00e5de belopp och vilka tillg\u00e5ngar som Nordea ska investera i, anses Nordea vara agent och d\u00e4rmed inte ha best\u00e4mmande inflytande. En bed\u00f6mning m\u00e5ste \u00e4ven g\u00f6ras f\u00f6r att avg\u00f6ra om ett betydande innehav av r\u00f6str\u00e4tterna i ett bolag, som dock \u00e4r mindre \u00e4n ett majoritetsinnehav, ger Nordea faktisk kontroll (s\u00e5 kallad de facto-kontroll), och likas\u00e5 i vilken utstr\u00e4ckning potentiella r\u00f6str\u00e4tter ska tas i beaktande vid bed\u00f6mningen. Den nuvarande bed\u00f6mningen \u00e4r att Nordea inte har faktisk kontroll \u00f6ver n\u00e5gra enheter d\u00e4r r\u00f6str\u00e4tterna understiger 50 procent Speci\ufb01kationen nedan omfattar moderf\u00f6retaget inklusive  \ufb01lialer, st\u00f6rre direkt\u00e4gda dotterf\u00f6retag samt st\u00f6rre dotter f\u00f6retag till dessa direkt\u00e4gda dotterf\u00f6retag. Bolag S\u00e4te \u00c4garandel % R\u00f6standel % Nordea Bank Abp Helsingfors E/T E/T Filial i Danmark K\u00f6penhamn E/T E/T Filial i Estland Tallinn E/T E/T Filial i London London E/T E/T Filial i New York New York E/T E/T Filial i Norge Oslo E/T E/T Filial i Polen \u0141\u00f3d\u017a E/T E/T Filial i Shanghai Shanghai E/T E/T Filial i Sverige Stockholm  E/T E/T Nordea Kredit RealKreditaktieselskab K\u00f6penhamn 100,0 100,0 Nordea Hypotek AB (publ) Stockholm  100,0 100,0 Nordea Eiendomskreditt AS Oslo 100,0 100,0 Nordea Hypoteksbank Abp  Helsingfors 100,0 100,0 Nordea Finans Finland Ab Helsingfors 100,0 100,0 Nordea Finans Danmark A/S H\u00f8je Taastrup 100,0 100,0 Nordea Finans Sverige AB (publ) Stockholm 100,0 100,0 Nordea Finans Norge AS Oslo 100,0 100,0 Nordea Finance Equipment AS Oslo 100,0 100,0 LLC Promyshlennaya Kompaniya Vestkon1 Moskva 100,0 100,0 Nordea Funds Ab Helsingfors 100,0 100,0 Nordea Asset Management Holding AB Stockholm 100,0 100,0 Nordea Investment Funds S.A. Luxemburg 100,0 100,0 Nordea Investment Management AB Stockholm  100,0 100,0 Nordea Life Holding AB Stockholm  100,0 100,0 Topdanmark Livsforsikring A/S K\u00f6penhamn 100,0 100,0 Nordea Life Assurance Finland Ltd Helsingfors 100,0 100,0 Livforsikringsselskapet Nordea Liv Norge AS Bergen 100,0 100,0 Nordea Livf\u00f6rs\u00e4kring Sverige AB (publ) Stockholm 100,0 100,0 1)  I december 2020 beslutade Nordea att l\u00e4gga ner verksamheten i Ryssland. Den legala processen f\u00f6r att st\u00e4nga ner dotterf\u00f6retagen har p\u00e5b\u00f6rjats. Det \ufb01nns olika typer av begr\u00e4nsningar f\u00f6r hur Nordea kan f\u00e5 \u00e5tkomst till och \u00f6verf\u00f6ra tillg\u00e5ngar inom koncernen. Utdelningar anv\u00e4nds f\u00f6r att \u00f6verf\u00f6ra \u00f6verskottskapital i Nordea Bank Abp:s dotterf\u00f6retag till moderf\u00f6retaget. Utdel- ningsbeloppet fastst\u00e4lls f\u00f6r varje f\u00f6retag utifr\u00e5n utdelnings- bara medel, kapitalt\u00e4ckningsregler och nyckeltal, kapital- och aff\u00e4rsplanering, skattem\u00e4ssiga \u00f6verv\u00e4ganden f\u00f6r aktuellt land samt koncerninterna riktlinjer. Tillsynsm\u00e4ssiga restriktio- ner kring utdelning, b\u00e5de allm\u00e4nna och nationella, liksom ber\u00e4knade f\u00f6r\u00e4ndringar i f\u00f6retagens kapitalkrav och riskex- poneringsbelopp ing\u00e5r i analysen inf\u00f6r utdelningsbeslut. Enligt kapitalt\u00e4ckningsf\u00f6rordningen (CRR) ska kreditinsti- tut h\u00e5lla likvida tillg\u00e5ngar, vars sammanlagda v\u00e4rde t\u00e4cker likviditetsutfl\u00f6den minus likviditetsinfl\u00f6den under stressade f\u00f6rh\u00e5llanden. Detta f\u00f6r att s\u00e4kerst\u00e4lla att institutet uppr\u00e4tt- h\u00e5ller tillr\u00e4ckliga likviditetsreserver. Det \ufb01nns ocks\u00e5 nationella likviditetskrav som begr\u00e4nsar \u00f6verf\u00f6ringen av kapital mellan f\u00f6retag. Koncernen har pantsatt tillg\u00e5ngar som s\u00e4kerhet f\u00f6r \u00e5ta- ganden enligt \u00e5terk\u00f6psavtal, transaktioner avseende v\u00e4rde- pappers\ufb01nansiering, hypoteksl\u00e5n samt f\u00f6r ber\u00e4kningen av marginals\u00e4kerhet f\u00f6r OTC-derivat (skulder). Ytterligare infor- mation \ufb01nns i not K7.3 \u201dSt\u00e4llda s\u00e4kerheter\u201d. F\u00f6r banker i resolution, vilket inte \u00e4r aktuellt i Nordea p\u00e5 balansdagen, \ufb01nns m\u00f6jliga begr\u00e4nsningar eftersom tillsyns- myndigheterna skulle ha l\u00e5ngtg\u00e5ende resolutionsverktyg till sitt f\u00f6rfogande om detta skulle beh\u00f6vas. Lagstadgade, avtalsbetingade och tillsynsm\u00e4ssiga krav lik- som vetor\u00e4tter i samband med minoritetsintressen kan begr\u00e4nsa koncernens f\u00f6rm\u00e5ga att f\u00e5 \u00e5tkomst till och \u00f6verf\u00f6ra tillg\u00e5ngar till eller fr\u00e5n andra f\u00f6retag inom koncernen och reglera koncernens skulder. Eftersom koncernen inte hade n\u00e5gra v\u00e4sentliga minoritetsintressen p\u00e5 balansdagen, var det inte n\u00e5gra vetor\u00e4tter h\u00e4nf\u00f6rliga till dessa som medf\u00f6rde bety- dande begr\u00e4nsningar. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfConsolidationExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-721": {
   "value": "K9.2   Valutaomr\u00e4kning  av utl\u00e4ndska f\u00f6retag/\ufb01lialer Redovisningsprinciper Koncernredovisningen uppr\u00e4ttas i euro. Vid omr\u00e4kningen av de utl\u00e4ndska f\u00f6retagens och \ufb01lialernas \ufb01nansiella rapporter till euro fr\u00e5n deras respektive funktionella valuta, omr\u00e4knas tillg\u00e5ngar och skulder till balansdagens kurs, medan poster i resultatr\u00e4kningen och i rapporten \u00f6ver totalresultat omr\u00e4knas till \u00e5rets genomsnittskurs. Genomsnittskursen ber\u00e4knas uti- fr\u00e5n dagliga v\u00e4xelkurser dividerat med antalet bankdagar under perioden. Omr\u00e4kningsdifferenser redovisas i \u00f6vrigt totalresultat och ackumuleras i reserven f\u00f6r omr\u00e4kning av utl\u00e4ndsk verksamhet under eget kapital. Goodwill och justeringar till verkligt v\u00e4rde fr\u00e5n f\u00f6rv\u00e4rv av koncernf\u00f6retag hanteras som poster i samma funktionella valuta som den kassagenererande enheten till vilken de h\u00f6r, och omr\u00e4knas ocks\u00e5 till balansdagens kurs. Eventuellt kvarst\u00e5ende eget kapital i utl\u00e4ndska \ufb01lialer omr\u00e4knas till balansdagens kurs, och omr\u00e4kningsdifferenser redovisas under \u00f6vrigt totalresultat. Vid avyttring av en utl\u00e4ndsk verksamhet omklassi\ufb01ceras det ackumulerade beloppet f\u00f6r valutakursdifferenser avse- ende den utl\u00e4ndska verksamheten \u2013 redovisat under \u00f6vrigt totalresultat och ackumulerat i reserven f\u00f6r omr\u00e4kning av utl\u00e4ndsk verksamhet under eget kapital \u2013 fr\u00e5n eget kapital till resultatr\u00e4kningen i samband med att vinsten eller f\u00f6rlus- ten fr\u00e5n avyttringen redovisas. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFunctionalCurrencyExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-724": {
   "value": "K9.3   Aktier och andelar i intressef\u00f6retag och joint ventures Redovisningsprinciper Intressef\u00f6retag \u00e4r f\u00f6retag d\u00e4r Nordeas r\u00f6str\u00e4ttsandel uppg\u00e5r till mellan 20 procent och 50 procent och/eller d\u00e4r Nordea har ett betydande inflytande. Betydande inflytande \u00e4r r\u00e4tten att delta i beslut som r\u00f6r f\u00f6retagets \ufb01nansiella och operativa strategier, men ger inte ett best\u00e4mmande inflytande eller gemensamt best\u00e4mmande inflytande \u00f6ver dessa. Joint ventures \u00e4r f\u00f6retag som Nordea har ett gemensamt best\u00e4mmande inflytande \u00f6ver. Med gemensamt best\u00e4mman- de inflytande avses att tv\u00e5 eller flera parter i avtal reglerat att gemensamt ut\u00f6va best\u00e4mmande inflytande \u00f6ver en ekono- misk verksamhet. Intressef\u00f6retag och joint ventures inkluderas i koncernre- dovisningen och presenteras enligt kapitalandelsmetoden. Vid f\u00f6rsta redovisningstillf\u00e4llet redovisas investeringen till anskaffningsv\u00e4rdet. Verkligt v\u00e4rde allokeras till intressef\u00f6re- tagens och joint venture-f\u00f6retagens identi\ufb01erbara tillg\u00e5ngar, skulder och eventualf\u00f6rpliktelser. En eventuell skillnad mellan Nordeas andel av det verkliga v\u00e4rdet p\u00e5 de f\u00f6rv\u00e4rvade identi- \ufb01erbara nettotillg\u00e5ngarna och k\u00f6peskillingen \u00e4r goodwill eller negativ goodwill. Goodwill inkluderas i intressef\u00f6reta- gens och joint venture-f\u00f6retagens redovisade v\u00e4rde.    Andelar i intressef\u00f6retags och joint ventures resultat enligt kapitalandelsmetoden de\ufb01nieras som v\u00e4rdef\u00f6r\u00e4ndring- en, efter anskaffningsdagen, av Nordeas andel av intressef\u00f6- retagets och joint venture-f\u00f6retagets nettotillg\u00e5ngar. Nordeas andel av poster redovisade i intressef\u00f6retagens och joint  venture-f\u00f6retagens \u00f6vriga totalresultat redovisas i \u00f6vrigt total resultat  i  Nordea. Andelar i intressef\u00f6retags och joint  ventures resultat enligt kapitalandelsmetoden redovisas i  resultatr\u00e4kningen efter skatt. Skattekostnaden h\u00e4nf\u00f6rlig till  dessa resultatandelar ing\u00e5r f\u00f6ljaktligen inte i Nordeas redovi- sade skattekostnad. Erh\u00e5llna utdelningar redovisas som en  minskning av det redovisade v\u00e4rdet.  Om det \ufb01nns indikationer p\u00e5 nedskrivningsbehov (f\u00f6rlust- h\u00e4ndelser) genomf\u00f6rs nedskrivningspr\u00f6vningar f\u00f6r att bed\u00f6- ma om det \ufb01nns objektiva bel\u00e4gg f\u00f6r nedskrivning. Det redo- visade v\u00e4rdet p\u00e5 investeringen i intressef\u00f6retaget eller joint  venture-f\u00f6retaget j\u00e4mf\u00f6rs med \u00e5tervinningsv\u00e4rdet (det h\u00f6gre  av nyttjandev\u00e4rdet och verkligt v\u00e4rde minus f\u00f6rs\u00e4ljningskost- nader) och det redovisade v\u00e4rdet skrivs ner till \u00e5tervinnings- v\u00e4rdet, om erforderligt. Nedskrivning av aktier och andelar i  intressef\u00f6retag och joint ventures klassi\ufb01ceras som \u201dAndelar i  intressef\u00f6retags och joint ventures resultat enligt kapitalan- delsmetoden\u201d i resultatr\u00e4kningen. Nedskrivningar \u00e5terf\u00f6rs om \u00e5tervinningsv\u00e4rdet \u00f6kar. Det  redovisade v\u00e4rdet \u00f6kas d\u00e5 till \u00e5tervinningsv\u00e4rdet, men kan  inte \u00f6verstiga vad det redovisade v\u00e4rdet varit om en nedskriv- ning inte redovisats i f\u00f6rsta l\u00e4get. Nordea genomf\u00f6r i regel inga transaktioner med intresse- f\u00f6retag och joint ventures som omfattar f\u00f6rs\u00e4ljning eller \u00f6ver- f\u00f6ring av tillg\u00e5ngar, men om s\u00e5dana transaktioner sker elimi- neras Nordeas andel av eventuell vinst redovisad i intressef\u00f6- retaget eller joint venture-f\u00f6retaget. \u00d6vriga transaktioner  mellan Nordea och dess intressef\u00f6retag och joint ventures eli- mineras inte. F\u00f6r vissa intressef\u00f6retag och joint ventures som inte \u00e4r  enskilt betydande baseras f\u00f6r\u00e4ndringar i Nordeas andel av  nettotillg\u00e5ngarna p\u00e5 intressef\u00f6retagens externa rapportering  och p\u00e5verkar Nordeas \ufb01nansiella rapporter i den period d\u00e5  informationen blir tillg\u00e4nglig. Rapporteringen fr\u00e5n intressef\u00f6- retagen och joint venture f\u00f6retagen anpassas, d\u00e4r det \u00e4r till- l\u00e4mpligt, till Nordeas redovisningsprinciper. Investeringar inom ramen f\u00f6r Nordeas investeringsverk- samhet (klassi\ufb01cerad som del av Nordeas riskkapitalorgani- sation) v\u00e4rderas till verkligt v\u00e4rde i enlighet med reglerna i  IAS 28 och IFRS 9. Aktier och andelar i intressef\u00f6retag och joint ventures Mn euro 31 dec 2022 31 dec 2021 Anskaffningsv\u00e4rde vid \u00e5rets b\u00f6rjan 247 576 F\u00f6rv\u00e4rv1 329 3 F\u00f6rs\u00e4ljningar 0 \u2013 Resultatandelar -4 13  Andel i \u00f6vrigt totalresultat 1 0 Erh\u00e5llen utdelning -8 -13 Omklassi\ufb01ceringar \u2013 -342 Omr\u00e4kningsdifferenser -13 10 Anskaffningsv\u00e4rde vid \u00e5rets slut 552 247  Ackumulerade nedskrivningar vid \u00e5rets b\u00f6rjan -40 -21 Nedskrivningar -4 -19 Omr\u00e4kningsdifferenser 1 0 Ackumulerade nedskrivningar vid \u00e5rets slut -43 -40  Redovisat v\u00e4rde 509 207 1) F\u00f6rv\u00e4rv av aktier och andelar i intressef\u00f6retag i Topdanmark Life uppg\u00e5r till 310 mn  euroNordeas andel av joint venture-f\u00f6retagens aggregerade  balans- och resultatr\u00e4kningar uppg\u00e5r till: Mn euro 31 dec 2022 31 dec 2021 Summa tillg\u00e5ngar 8 5 \u00c5rets resultat -7 -5 Totalresultat -7 -5 F\u00f6r information om aktier och andelar i dotterf\u00f6retag och  f\u00f6retag d\u00e4r Nordea har obegr\u00e4nsat ansvar, se not K9.1 \u201dKon- soliderade f\u00f6retag\u201d. Joint ventures Organisations- nummer  S\u00e4te Redovisat  v\u00e4rde 2022,  mn euro Redovisat  v\u00e4rde 2021,  mn euro R\u00f6standel % \u00c4garandel % Genomsnittligt  antal anst\u00e4llda Siirto Brand Oy 3102648-1 Helsingfors 1 1 50 50 \u2013 Invidem AB 559210-0779 Stockholm  3 1 17 17 33 P27 Nordic Payments Platform AB 559198-9610 Stockholm  13 6 17 17 57 Tibern AB 559384-3542 Stockholm  0 \u2013 14 14 \u2013 Summa 17 8 Summa intressef\u00f6retag och joint ventures 509 207 ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfJointVenturesExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-725": {
   "value": "K9.3   Aktier och andelar i intressef\u00f6retag och joint ventures Redovisningsprinciper Intressef\u00f6retag \u00e4r f\u00f6retag d\u00e4r Nordeas r\u00f6str\u00e4ttsandel uppg\u00e5r till mellan 20 procent och 50 procent och/eller d\u00e4r Nordea har ett betydande inflytande. Betydande inflytande \u00e4r r\u00e4tten att delta i beslut som r\u00f6r f\u00f6retagets \ufb01nansiella och operativa strategier, men ger inte ett best\u00e4mmande inflytande eller gemensamt best\u00e4mmande inflytande \u00f6ver dessa. Joint ventures \u00e4r f\u00f6retag som Nordea har ett gemensamt best\u00e4mmande inflytande \u00f6ver. Med gemensamt best\u00e4mman- de inflytande avses att tv\u00e5 eller flera parter i avtal reglerat att gemensamt ut\u00f6va best\u00e4mmande inflytande \u00f6ver en ekono- misk verksamhet. Intressef\u00f6retag och joint ventures inkluderas i koncernre- dovisningen och presenteras enligt kapitalandelsmetoden. Vid f\u00f6rsta redovisningstillf\u00e4llet redovisas investeringen till anskaffningsv\u00e4rdet. Verkligt v\u00e4rde allokeras till intressef\u00f6re- tagens och joint venture-f\u00f6retagens identi\ufb01erbara tillg\u00e5ngar, skulder och eventualf\u00f6rpliktelser. En eventuell skillnad mellan Nordeas andel av det verkliga v\u00e4rdet p\u00e5 de f\u00f6rv\u00e4rvade identi- \ufb01erbara nettotillg\u00e5ngarna och k\u00f6peskillingen \u00e4r goodwill eller negativ goodwill. Goodwill inkluderas i intressef\u00f6reta- gens och joint venture-f\u00f6retagens redovisade v\u00e4rde.    Andelar i intressef\u00f6retags och joint ventures resultat enligt kapitalandelsmetoden de\ufb01nieras som v\u00e4rdef\u00f6r\u00e4ndring- en, efter anskaffningsdagen, av Nordeas andel av intressef\u00f6- retagets och joint venture-f\u00f6retagets nettotillg\u00e5ngar. Nordeas andel av poster redovisade i intressef\u00f6retagens och joint  venture-f\u00f6retagens \u00f6vriga totalresultat redovisas i \u00f6vrigt total resultat  i  Nordea. Andelar i intressef\u00f6retags och joint  ventures resultat enligt kapitalandelsmetoden redovisas i  resultatr\u00e4kningen efter skatt. Skattekostnaden h\u00e4nf\u00f6rlig till  dessa resultatandelar ing\u00e5r f\u00f6ljaktligen inte i Nordeas redovi- sade skattekostnad. Erh\u00e5llna utdelningar redovisas som en  minskning av det redovisade v\u00e4rdet.  Om det \ufb01nns indikationer p\u00e5 nedskrivningsbehov (f\u00f6rlust- h\u00e4ndelser) genomf\u00f6rs nedskrivningspr\u00f6vningar f\u00f6r att bed\u00f6- ma om det \ufb01nns objektiva bel\u00e4gg f\u00f6r nedskrivning. Det redo- visade v\u00e4rdet p\u00e5 investeringen i intressef\u00f6retaget eller joint  venture-f\u00f6retaget j\u00e4mf\u00f6rs med \u00e5tervinningsv\u00e4rdet (det h\u00f6gre  av nyttjandev\u00e4rdet och verkligt v\u00e4rde minus f\u00f6rs\u00e4ljningskost- nader) och det redovisade v\u00e4rdet skrivs ner till \u00e5tervinnings- v\u00e4rdet, om erforderligt. Nedskrivning av aktier och andelar i  intressef\u00f6retag och joint ventures klassi\ufb01ceras som \u201dAndelar i  intressef\u00f6retags och joint ventures resultat enligt kapitalan- delsmetoden\u201d i resultatr\u00e4kningen. Nedskrivningar \u00e5terf\u00f6rs om \u00e5tervinningsv\u00e4rdet \u00f6kar. Det  redovisade v\u00e4rdet \u00f6kas d\u00e5 till \u00e5tervinningsv\u00e4rdet, men kan  inte \u00f6verstiga vad det redovisade v\u00e4rdet varit om en nedskriv- ning inte redovisats i f\u00f6rsta l\u00e4get. Nordea genomf\u00f6r i regel inga transaktioner med intresse- f\u00f6retag och joint ventures som omfattar f\u00f6rs\u00e4ljning eller \u00f6ver- f\u00f6ring av tillg\u00e5ngar, men om s\u00e5dana transaktioner sker elimi- neras Nordeas andel av eventuell vinst redovisad i intressef\u00f6- retaget eller joint venture-f\u00f6retaget. \u00d6vriga transaktioner  mellan Nordea och dess intressef\u00f6retag och joint ventures eli- mineras inte. F\u00f6r vissa intressef\u00f6retag och joint ventures som inte \u00e4r  enskilt betydande baseras f\u00f6r\u00e4ndringar i Nordeas andel av  nettotillg\u00e5ngarna p\u00e5 intressef\u00f6retagens externa rapportering  och p\u00e5verkar Nordeas \ufb01nansiella rapporter i den period d\u00e5  informationen blir tillg\u00e4nglig. Rapporteringen fr\u00e5n intressef\u00f6- retagen och joint venture f\u00f6retagen anpassas, d\u00e4r det \u00e4r till- l\u00e4mpligt, till Nordeas redovisningsprinciper. Investeringar inom ramen f\u00f6r Nordeas investeringsverk- samhet (klassi\ufb01cerad som del av Nordeas riskkapitalorgani- sation) v\u00e4rderas till verkligt v\u00e4rde i enlighet med reglerna i  IAS 28 och IFRS 9. Aktier och andelar i intressef\u00f6retag och joint ventures Mn euro 31 dec 2022 31 dec 2021 Anskaffningsv\u00e4rde vid \u00e5rets b\u00f6rjan 247 576 F\u00f6rv\u00e4rv1 329 3 F\u00f6rs\u00e4ljningar 0 \u2013 Resultatandelar -4 13  Andel i \u00f6vrigt totalresultat 1 0 Erh\u00e5llen utdelning -8 -13 Omklassi\ufb01ceringar \u2013 -342 Omr\u00e4kningsdifferenser -13 10 Anskaffningsv\u00e4rde vid \u00e5rets slut 552 247  Ackumulerade nedskrivningar vid \u00e5rets b\u00f6rjan -40 -21 Nedskrivningar -4 -19 Omr\u00e4kningsdifferenser 1 0 Ackumulerade nedskrivningar vid \u00e5rets slut -43 -40  Redovisat v\u00e4rde 509 207 1) F\u00f6rv\u00e4rv av aktier och andelar i intressef\u00f6retag i Topdanmark Life uppg\u00e5r till 310 mn  euro. Intressef\u00f6retag Organisations- nummer  S\u00e4te Redovisat v\u00e4rde  2022, mn euro Redovisat v\u00e4rde  2021, mn euro R\u00f6standel % \u00c4garandel % Eksport\ufb01nans ASA 816521432 Oslo 124 133 23 23 Udviklingsselskabet Carlsberg Byen P/S 33648499 K\u00f6penhamn 109 \u2013 23 23 Havneholmen P/S  38036572 \u00c5rhus 80 \u2013 50 50 Margretheholmen P/S 34609829 K\u00f6penhamn 62 \u2013 50 50 P/S Ottilia Copenhagen 40087095 K\u00f6penhamn 41 \u2013 50 50 K/S Ejendomsholding Banemarksvej  43125834 Glostrup 18 \u2013 40 40 Eiendomsverdi AS 881971682 Oslo 13 14 25 25 Bankomat AB 556817-9716 Stockholm  9 9 20 20 Trill Impact AB 559196-0827 Stockholm 9 10 6 40 NF Fleet Oy 2006935-5 Espo 9 9 20 20 NF Fleet AB 556692-3271 Stockholm 7 6 20 20 NF Fleet A/S 29185263 K\u00f6penhamn 3 5 20 20 NF Fleet AS 988906808 Oslo 2 3 20 20 E-nettet Holding A/S 28308019 K\u00f6penhamn 3 3 19 19 CrediWire ApS 37264628 K\u00f6penhamn 2 1 7 7 Subaio ApS 37766585 \u00c5lborg 1 1 20 20 Financial Transaction Service B.V.  68914016 Amsterdam 0 4 10 15 Suomen Luotto-osuuskunta 0201646-0 Helsingfors 0 1 27 27 \u00d6vriga 0 0 Summa 492 199 Nordeas andel av intressef\u00f6retagens aggregerade balans-  och resultatr\u00e4kningar uppg\u00e5r till: Mn euro 31 dec 2022 31 dec 2021 Summa tillg\u00e5ngar 819 462 \u00c5rets resultat  3 7 \u00d6vrigt totalresultat 1 0 Totalresultat 4 7 Joint ventures Organisations- nummer  S\u00e4te Redovisat  v\u00e4rde 2022,  mn euro Redovisat  v\u00e4rde 2021,  mn euro R\u00f6standel % \u00c4garandel % Genomsnittligt  antal anst\u00e4llda Siirto Brand Oy 3102648-1 Helsingfors 1 1 50 50 \u2013 Invidem AB 559210-0779 Stockholm  3 1 17 17 33 P27 Nordic Payments Platform AB 559198-9610 Stockholm  13 6 17 17 57 Tibern AB 559384-3542 Stockholm  0 \u2013 14 14 \u2013 Summa 17 8 Summa intressef\u00f6retag och joint ventures 509 207 Nordeas andel av joint venture-f\u00f6retagens aggregerade  balans- och resultatr\u00e4kningar uppg\u00e5r till: Mn euro 31 dec 2022 31 dec 2021 Summa tillg\u00e5ngar 8 5 \u00c5rets resultat -7 -5 Totalresultat -7 -5 F\u00f6r information om aktier och andelar i dotterf\u00f6retag och  f\u00f6retag d\u00e4r Nordea har obegr\u00e4nsat ansvar, se not K9.1 \u201dKon- soliderade f\u00f6retag\u201d. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-726": {
   "value": "K9.3   Aktier och andelar i intressef\u00f6retag och joint ventures Redovisningsprinciper Intressef\u00f6retag \u00e4r f\u00f6retag d\u00e4r Nordeas r\u00f6str\u00e4ttsandel uppg\u00e5r till mellan 20 procent och 50 procent och/eller d\u00e4r Nordea har ett betydande inflytande. Betydande inflytande \u00e4r r\u00e4tten att delta i beslut som r\u00f6r f\u00f6retagets \ufb01nansiella och operativa strategier, men ger inte ett best\u00e4mmande inflytande eller gemensamt best\u00e4mmande inflytande \u00f6ver dessa. Joint ventures \u00e4r f\u00f6retag som Nordea har ett gemensamt best\u00e4mmande inflytande \u00f6ver. Med gemensamt best\u00e4mman- de inflytande avses att tv\u00e5 eller flera parter i avtal reglerat att gemensamt ut\u00f6va best\u00e4mmande inflytande \u00f6ver en ekono- misk verksamhet. Intressef\u00f6retag och joint ventures inkluderas i koncernre- dovisningen och presenteras enligt kapitalandelsmetoden. Vid f\u00f6rsta redovisningstillf\u00e4llet redovisas investeringen till anskaffningsv\u00e4rdet. Verkligt v\u00e4rde allokeras till intressef\u00f6re- tagens och joint venture-f\u00f6retagens identi\ufb01erbara tillg\u00e5ngar, skulder och eventualf\u00f6rpliktelser. En eventuell skillnad mellan Nordeas andel av det verkliga v\u00e4rdet p\u00e5 de f\u00f6rv\u00e4rvade identi- \ufb01erbara nettotillg\u00e5ngarna och k\u00f6peskillingen \u00e4r goodwill eller negativ goodwill. Goodwill inkluderas i intressef\u00f6reta- gens och joint venture-f\u00f6retagens redovisade v\u00e4rde.    Andelar i intressef\u00f6retags och joint ventures resultat enligt kapitalandelsmetoden de\ufb01nieras som v\u00e4rdef\u00f6r\u00e4ndring- en, efter anskaffningsdagen, av Nordeas andel av intressef\u00f6- retagets och joint venture-f\u00f6retagets nettotillg\u00e5ngar. Nordeas andel av poster redovisade i intressef\u00f6retagens och joint  venture-f\u00f6retagens \u00f6vriga totalresultat redovisas i \u00f6vrigt total resultat  i  Nordea. Andelar i intressef\u00f6retags och joint  ventures resultat enligt kapitalandelsmetoden redovisas i  resultatr\u00e4kningen efter skatt. Skattekostnaden h\u00e4nf\u00f6rlig till  dessa resultatandelar ing\u00e5r f\u00f6ljaktligen inte i Nordeas redovi- sade skattekostnad. Erh\u00e5llna utdelningar redovisas som en  minskning av det redovisade v\u00e4rdet.  Om det \ufb01nns indikationer p\u00e5 nedskrivningsbehov (f\u00f6rlust- h\u00e4ndelser) genomf\u00f6rs nedskrivningspr\u00f6vningar f\u00f6r att bed\u00f6- ma om det \ufb01nns objektiva bel\u00e4gg f\u00f6r nedskrivning. Det redo- visade v\u00e4rdet p\u00e5 investeringen i intressef\u00f6retaget eller joint  venture-f\u00f6retaget j\u00e4mf\u00f6rs med \u00e5tervinningsv\u00e4rdet (det h\u00f6gre  av nyttjandev\u00e4rdet och verkligt v\u00e4rde minus f\u00f6rs\u00e4ljningskost- nader) och det redovisade v\u00e4rdet skrivs ner till \u00e5tervinnings- v\u00e4rdet, om erforderligt. Nedskrivning av aktier och andelar i  intressef\u00f6retag och joint ventures klassi\ufb01ceras som \u201dAndelar i  intressef\u00f6retags och joint ventures resultat enligt kapitalan- delsmetoden\u201d i resultatr\u00e4kningen. Nedskrivningar \u00e5terf\u00f6rs om \u00e5tervinningsv\u00e4rdet \u00f6kar. Det  redovisade v\u00e4rdet \u00f6kas d\u00e5 till \u00e5tervinningsv\u00e4rdet, men kan  inte \u00f6verstiga vad det redovisade v\u00e4rdet varit om en nedskriv- ning inte redovisats i f\u00f6rsta l\u00e4get. Nordea genomf\u00f6r i regel inga transaktioner med intresse- f\u00f6retag och joint ventures som omfattar f\u00f6rs\u00e4ljning eller \u00f6ver- f\u00f6ring av tillg\u00e5ngar, men om s\u00e5dana transaktioner sker elimi- neras Nordeas andel av eventuell vinst redovisad i intressef\u00f6- retaget eller joint venture-f\u00f6retaget. \u00d6vriga transaktioner  mellan Nordea och dess intressef\u00f6retag och joint ventures eli- mineras inte. F\u00f6r vissa intressef\u00f6retag och joint ventures som inte \u00e4r  enskilt betydande baseras f\u00f6r\u00e4ndringar i Nordeas andel av  nettotillg\u00e5ngarna p\u00e5 intressef\u00f6retagens externa rapportering  och p\u00e5verkar Nordeas \ufb01nansiella rapporter i den period d\u00e5  informationen blir tillg\u00e4nglig. Rapporteringen fr\u00e5n intressef\u00f6- retagen och joint venture f\u00f6retagen anpassas, d\u00e4r det \u00e4r till- l\u00e4mpligt, till Nordeas redovisningsprinciper. Investeringar inom ramen f\u00f6r Nordeas investeringsverk- samhet (klassi\ufb01cerad som del av Nordeas riskkapitalorgani- sation) v\u00e4rderas till verkligt v\u00e4rde i enlighet med reglerna i  IAS 28 och IFRS 9. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentsInJointVentures",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-727": {
   "value": "K9.3   Aktier och andelar i intressef\u00f6retag och joint ventures Redovisningsprinciper Intressef\u00f6retag \u00e4r f\u00f6retag d\u00e4r Nordeas r\u00f6str\u00e4ttsandel uppg\u00e5r till mellan 20 procent och 50 procent och/eller d\u00e4r Nordea har ett betydande inflytande. Betydande inflytande \u00e4r r\u00e4tten att delta i beslut som r\u00f6r f\u00f6retagets \ufb01nansiella och operativa strategier, men ger inte ett best\u00e4mmande inflytande eller gemensamt best\u00e4mmande inflytande \u00f6ver dessa. Joint ventures \u00e4r f\u00f6retag som Nordea har ett gemensamt best\u00e4mmande inflytande \u00f6ver. Med gemensamt best\u00e4mman- de inflytande avses att tv\u00e5 eller flera parter i avtal reglerat att gemensamt ut\u00f6va best\u00e4mmande inflytande \u00f6ver en ekono- misk verksamhet. Intressef\u00f6retag och joint ventures inkluderas i koncernre- dovisningen och presenteras enligt kapitalandelsmetoden. Vid f\u00f6rsta redovisningstillf\u00e4llet redovisas investeringen till anskaffningsv\u00e4rdet. Verkligt v\u00e4rde allokeras till intressef\u00f6re- tagens och joint venture-f\u00f6retagens identi\ufb01erbara tillg\u00e5ngar, skulder och eventualf\u00f6rpliktelser. En eventuell skillnad mellan Nordeas andel av det verkliga v\u00e4rdet p\u00e5 de f\u00f6rv\u00e4rvade identi- \ufb01erbara nettotillg\u00e5ngarna och k\u00f6peskillingen \u00e4r goodwill eller negativ goodwill. Goodwill inkluderas i intressef\u00f6reta- gens och joint venture-f\u00f6retagens redovisade v\u00e4rde.    Andelar i intressef\u00f6retags och joint ventures resultat enligt kapitalandelsmetoden de\ufb01nieras som v\u00e4rdef\u00f6r\u00e4ndring- en, efter anskaffningsdagen, av Nordeas andel av intressef\u00f6- retagets och joint venture-f\u00f6retagets nettotillg\u00e5ngar. Nordeas andel av poster redovisade i intressef\u00f6retagens och joint  venture-f\u00f6retagens \u00f6vriga totalresultat redovisas i \u00f6vrigt total resultat  i  Nordea. Andelar i intressef\u00f6retags och joint  ventures resultat enligt kapitalandelsmetoden redovisas i  resultatr\u00e4kningen efter skatt. Skattekostnaden h\u00e4nf\u00f6rlig till  dessa resultatandelar ing\u00e5r f\u00f6ljaktligen inte i Nordeas redovi- sade skattekostnad. Erh\u00e5llna utdelningar redovisas som en  minskning av det redovisade v\u00e4rdet.  Om det \ufb01nns indikationer p\u00e5 nedskrivningsbehov (f\u00f6rlust- h\u00e4ndelser) genomf\u00f6rs nedskrivningspr\u00f6vningar f\u00f6r att bed\u00f6- ma om det \ufb01nns objektiva bel\u00e4gg f\u00f6r nedskrivning. Det redo- visade v\u00e4rdet p\u00e5 investeringen i intressef\u00f6retaget eller joint  venture-f\u00f6retaget j\u00e4mf\u00f6rs med \u00e5tervinningsv\u00e4rdet (det h\u00f6gre  av nyttjandev\u00e4rdet och verkligt v\u00e4rde minus f\u00f6rs\u00e4ljningskost- nader) och det redovisade v\u00e4rdet skrivs ner till \u00e5tervinnings- v\u00e4rdet, om erforderligt. Nedskrivning av aktier och andelar i  intressef\u00f6retag och joint ventures klassi\ufb01ceras som \u201dAndelar i  intressef\u00f6retags och joint ventures resultat enligt kapitalan- delsmetoden\u201d i resultatr\u00e4kningen. Nedskrivningar \u00e5terf\u00f6rs om \u00e5tervinningsv\u00e4rdet \u00f6kar. Det  redovisade v\u00e4rdet \u00f6kas d\u00e5 till \u00e5tervinningsv\u00e4rdet, men kan  inte \u00f6verstiga vad det redovisade v\u00e4rdet varit om en nedskriv- ning inte redovisats i f\u00f6rsta l\u00e4get. Nordea genomf\u00f6r i regel inga transaktioner med intresse- f\u00f6retag och joint ventures som omfattar f\u00f6rs\u00e4ljning eller \u00f6ver- f\u00f6ring av tillg\u00e5ngar, men om s\u00e5dana transaktioner sker elimi- neras Nordeas andel av eventuell vinst redovisad i intressef\u00f6- retaget eller joint venture-f\u00f6retaget. \u00d6vriga transaktioner  mellan Nordea och dess intressef\u00f6retag och joint ventures eli- mineras inte. F\u00f6r vissa intressef\u00f6retag och joint ventures som inte \u00e4r  enskilt betydande baseras f\u00f6r\u00e4ndringar i Nordeas andel av  nettotillg\u00e5ngarna p\u00e5 intressef\u00f6retagens externa rapportering  och p\u00e5verkar Nordeas \ufb01nansiella rapporter i den period d\u00e5  informationen blir tillg\u00e4nglig. Rapporteringen fr\u00e5n intressef\u00f6- retagen och joint venture f\u00f6retagen anpassas, d\u00e4r det \u00e4r till- l\u00e4mpligt, till Nordeas redovisningsprinciper. Investeringar inom ramen f\u00f6r Nordeas investeringsverk- samhet (klassi\ufb01cerad som del av Nordeas riskkapitalorgani- sation) v\u00e4rderas till verkligt v\u00e4rde i enlighet med reglerna i  IAS 28 och IFRS 9. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentInAssociates",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-728": {
   "value": "K9.3   Aktier och andelar i intressef\u00f6retag och joint ventures Redovisningsprinciper Intressef\u00f6retag \u00e4r f\u00f6retag d\u00e4r Nordeas r\u00f6str\u00e4ttsandel uppg\u00e5r till mellan 20 procent och 50 procent och/eller d\u00e4r Nordea har ett betydande inflytande. Betydande inflytande \u00e4r r\u00e4tten att delta i beslut som r\u00f6r f\u00f6retagets \ufb01nansiella och operativa strategier, men ger inte ett best\u00e4mmande inflytande eller gemensamt best\u00e4mmande inflytande \u00f6ver dessa. Joint ventures \u00e4r f\u00f6retag som Nordea har ett gemensamt best\u00e4mmande inflytande \u00f6ver. Med gemensamt best\u00e4mman- de inflytande avses att tv\u00e5 eller flera parter i avtal reglerat att gemensamt ut\u00f6va best\u00e4mmande inflytande \u00f6ver en ekono- misk verksamhet. Intressef\u00f6retag och joint ventures inkluderas i koncernre- dovisningen och presenteras enligt kapitalandelsmetoden. Vid f\u00f6rsta redovisningstillf\u00e4llet redovisas investeringen till anskaffningsv\u00e4rdet. Verkligt v\u00e4rde allokeras till intressef\u00f6re- tagens och joint venture-f\u00f6retagens identi\ufb01erbara tillg\u00e5ngar, skulder och eventualf\u00f6rpliktelser. En eventuell skillnad mellan Nordeas andel av det verkliga v\u00e4rdet p\u00e5 de f\u00f6rv\u00e4rvade identi- \ufb01erbara nettotillg\u00e5ngarna och k\u00f6peskillingen \u00e4r goodwill eller negativ goodwill. Goodwill inkluderas i intressef\u00f6reta- gens och joint venture-f\u00f6retagens redovisade v\u00e4rde.    Andelar i intressef\u00f6retags och joint ventures resultat enligt kapitalandelsmetoden de\ufb01nieras som v\u00e4rdef\u00f6r\u00e4ndring- en, efter anskaffningsdagen, av Nordeas andel av intressef\u00f6- retagets och joint venture-f\u00f6retagets nettotillg\u00e5ngar. Nordeas andel av poster redovisade i intressef\u00f6retagens och joint  venture-f\u00f6retagens \u00f6vriga totalresultat redovisas i \u00f6vrigt total resultat  i  Nordea. Andelar i intressef\u00f6retags och joint  ventures resultat enligt kapitalandelsmetoden redovisas i  resultatr\u00e4kningen efter skatt. Skattekostnaden h\u00e4nf\u00f6rlig till  dessa resultatandelar ing\u00e5r f\u00f6ljaktligen inte i Nordeas redovi- sade skattekostnad. Erh\u00e5llna utdelningar redovisas som en  minskning av det redovisade v\u00e4rdet.  Om det \ufb01nns indikationer p\u00e5 nedskrivningsbehov (f\u00f6rlust- h\u00e4ndelser) genomf\u00f6rs nedskrivningspr\u00f6vningar f\u00f6r att bed\u00f6- ma om det \ufb01nns objektiva bel\u00e4gg f\u00f6r nedskrivning. Det redo- visade v\u00e4rdet p\u00e5 investeringen i intressef\u00f6retaget eller joint  venture-f\u00f6retaget j\u00e4mf\u00f6rs med \u00e5tervinningsv\u00e4rdet (det h\u00f6gre  av nyttjandev\u00e4rdet och verkligt v\u00e4rde minus f\u00f6rs\u00e4ljningskost- nader) och det redovisade v\u00e4rdet skrivs ner till \u00e5tervinnings- v\u00e4rdet, om erforderligt. Nedskrivning av aktier och andelar i  intressef\u00f6retag och joint ventures klassi\ufb01ceras som \u201dAndelar i  intressef\u00f6retags och joint ventures resultat enligt kapitalan- delsmetoden\u201d i resultatr\u00e4kningen. Nedskrivningar \u00e5terf\u00f6rs om \u00e5tervinningsv\u00e4rdet \u00f6kar. Det  redovisade v\u00e4rdet \u00f6kas d\u00e5 till \u00e5tervinningsv\u00e4rdet, men kan  inte \u00f6verstiga vad det redovisade v\u00e4rdet varit om en nedskriv- ning inte redovisats i f\u00f6rsta l\u00e4get. Nordea genomf\u00f6r i regel inga transaktioner med intresse- f\u00f6retag och joint ventures som omfattar f\u00f6rs\u00e4ljning eller \u00f6ver- f\u00f6ring av tillg\u00e5ngar, men om s\u00e5dana transaktioner sker elimi- neras Nordeas andel av eventuell vinst redovisad i intressef\u00f6- retaget eller joint venture-f\u00f6retaget. \u00d6vriga transaktioner  mellan Nordea och dess intressef\u00f6retag och joint ventures eli- mineras inte. F\u00f6r vissa intressef\u00f6retag och joint ventures som inte \u00e4r  enskilt betydande baseras f\u00f6r\u00e4ndringar i Nordeas andel av  nettotillg\u00e5ngarna p\u00e5 intressef\u00f6retagens externa rapportering  och p\u00e5verkar Nordeas \ufb01nansiella rapporter i den period d\u00e5  informationen blir tillg\u00e4nglig. Rapporteringen fr\u00e5n intressef\u00f6- retagen och joint venture f\u00f6retagen anpassas, d\u00e4r det \u00e4r till- l\u00e4mpligt, till Nordeas redovisningsprinciper. Investeringar inom ramen f\u00f6r Nordeas investeringsverk- samhet (klassi\ufb01cerad som del av Nordeas riskkapitalorgani- sation) v\u00e4rderas till verkligt v\u00e4rde i enlighet med reglerna i  IAS 28 och IFRS 9. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentInAssociatesAndJointVenturesExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-729": {
   "value": "K9.3   Aktier och andelar i intressef\u00f6retag och joint ventures Redovisningsprinciper Intressef\u00f6retag \u00e4r f\u00f6retag d\u00e4r Nordeas r\u00f6str\u00e4ttsandel uppg\u00e5r till mellan 20 procent och 50 procent och/eller d\u00e4r Nordea har ett betydande inflytande. Betydande inflytande \u00e4r r\u00e4tten att delta i beslut som r\u00f6r f\u00f6retagets \ufb01nansiella och operativa strategier, men ger inte ett best\u00e4mmande inflytande eller gemensamt best\u00e4mmande inflytande \u00f6ver dessa. Joint ventures \u00e4r f\u00f6retag som Nordea har ett gemensamt best\u00e4mmande inflytande \u00f6ver. Med gemensamt best\u00e4mman- de inflytande avses att tv\u00e5 eller flera parter i avtal reglerat att gemensamt ut\u00f6va best\u00e4mmande inflytande \u00f6ver en ekono- misk verksamhet. Intressef\u00f6retag och joint ventures inkluderas i koncernre- dovisningen och presenteras enligt kapitalandelsmetoden. Vid f\u00f6rsta redovisningstillf\u00e4llet redovisas investeringen till anskaffningsv\u00e4rdet. Verkligt v\u00e4rde allokeras till intressef\u00f6re- tagens och joint venture-f\u00f6retagens identi\ufb01erbara tillg\u00e5ngar, skulder och eventualf\u00f6rpliktelser. En eventuell skillnad mellan Nordeas andel av det verkliga v\u00e4rdet p\u00e5 de f\u00f6rv\u00e4rvade identi- \ufb01erbara nettotillg\u00e5ngarna och k\u00f6peskillingen \u00e4r goodwill eller negativ goodwill. Goodwill inkluderas i intressef\u00f6reta- gens och joint venture-f\u00f6retagens redovisade v\u00e4rde.    Andelar i intressef\u00f6retags och joint ventures resultat enligt kapitalandelsmetoden de\ufb01nieras som v\u00e4rdef\u00f6r\u00e4ndring- en, efter anskaffningsdagen, av Nordeas andel av intressef\u00f6- retagets och joint venture-f\u00f6retagets nettotillg\u00e5ngar. Nordeas andel av poster redovisade i intressef\u00f6retagens och joint  venture-f\u00f6retagens \u00f6vriga totalresultat redovisas i \u00f6vrigt total resultat  i  Nordea. Andelar i intressef\u00f6retags och joint ventures resultat enligt kapitalandelsmetoden redovisas i resultatr\u00e4kningen efter skatt. Skattekostnaden h\u00e4nf\u00f6rlig till dessa resultatandelar ing\u00e5r f\u00f6ljaktligen inte i Nordeas redovi- sade skattekostnad. Erh\u00e5llna utdelningar redovisas som en minskning av det redovisade v\u00e4rdet.  Om det \ufb01nns indikationer p\u00e5 nedskrivningsbehov (f\u00f6rlust- h\u00e4ndelser) genomf\u00f6rs nedskrivningspr\u00f6vningar f\u00f6r att bed\u00f6- ma om det \ufb01nns objektiva bel\u00e4gg f\u00f6r nedskrivning. Det redo- visade v\u00e4rdet p\u00e5 investeringen i intressef\u00f6retaget eller joint venture-f\u00f6retaget j\u00e4mf\u00f6rs med \u00e5tervinningsv\u00e4rdet (det h\u00f6gre av nyttjandev\u00e4rdet och verkligt v\u00e4rde minus f\u00f6rs\u00e4ljningskost- nader) och det redovisade v\u00e4rdet skrivs ner till \u00e5tervinnings- v\u00e4rdet, om erforderligt. Nedskrivning av aktier och andelar i intressef\u00f6retag och joint ventures klassi\ufb01ceras som \u201dAndelar i intressef\u00f6retags och joint ventures resultat enligt kapitalan- delsmetoden\u201d i resultatr\u00e4kningen. Nedskrivningar \u00e5terf\u00f6rs om \u00e5tervinningsv\u00e4rdet \u00f6kar. Det redovisade v\u00e4rdet \u00f6kas d\u00e5 till \u00e5tervinningsv\u00e4rdet, men kan inte \u00f6verstiga vad det redovisade v\u00e4rdet varit om en nedskriv- ning inte redovisats i f\u00f6rsta l\u00e4get. Nordea genomf\u00f6r i regel inga transaktioner med intresse- f\u00f6retag och joint ventures som omfattar f\u00f6rs\u00e4ljning eller \u00f6ver- f\u00f6ring av tillg\u00e5ngar, men om s\u00e5dana transaktioner sker elimi- neras Nordeas andel av eventuell vinst redovisad i intressef\u00f6- retaget eller joint venture-f\u00f6retaget. \u00d6vriga transaktioner mellan Nordea och dess intressef\u00f6retag och joint ventures eli- mineras inte. F\u00f6r vissa intressef\u00f6retag och joint ventures som inte \u00e4r enskilt betydande baseras f\u00f6r\u00e4ndringar i Nordeas andel av nettotillg\u00e5ngarna p\u00e5 intressef\u00f6retagens externa rapportering och p\u00e5verkar Nordeas \ufb01nansiella rapporter i den period d\u00e5 informationen blir tillg\u00e4nglig. Rapporteringen fr\u00e5n intressef\u00f6- retagen och joint venture f\u00f6retagen anpassas, d\u00e4r det \u00e4r till- l\u00e4mpligt, till Nordeas redovisningsprinciper. Investeringar inom ramen f\u00f6r Nordeas investeringsverk- samhet (klassi\ufb01cerad som del av Nordeas riskkapitalorgani- sation) v\u00e4rderas till verkligt v\u00e4rde i enlighet med reglerna i IAS 28 och IFRS 9. Aktier och andelar i intressef\u00f6retag och joint ventures Mn euro 31 dec 2022 31 dec 2021 Anskaffningsv\u00e4rde vid \u00e5rets b\u00f6rjan 247 576 F\u00f6rv\u00e4rv1 329 3 F\u00f6rs\u00e4ljningar 0 \u2013 Resultatandelar -4 13 Andel i \u00f6vrigt totalresultat 1 0 Erh\u00e5llen utdelning -8 -13 Omklassi\ufb01ceringar \u2013 -342 Omr\u00e4kningsdifferenser -13 10 Anskaffningsv\u00e4rde vid \u00e5rets slut 552 247 Ackumulerade nedskrivningar vid \u00e5rets b\u00f6rjan -40 -21 Nedskrivningar -4 -19 Omr\u00e4kningsdifferenser 1 0 Ackumulerade nedskrivningar vid \u00e5rets slut -43 -40 Redovisat v\u00e4rde 509 207 1) F\u00f6rv\u00e4rv av aktier och andelar i intressef\u00f6retag i Topdanmark Life uppg\u00e5r till 310 mn euro. K9.3  Aktier och andelar i intressef\u00f6retag och joint ventures, forts. Intressef\u00f6retag Organisations- nummer  S\u00e4te Redovisat v\u00e4rde 2022, mn euro Redovisat v\u00e4rde 2021, mn euro R\u00f6standel % \u00c4garandel % Eksport\ufb01nans ASA 816521432 Oslo 124 133 23 23 Udviklingsselskabet Carlsberg Byen P/S 33648499 K\u00f6penhamn 109 \u2013 23 23 Havneholmen P/S  38036572 \u00c5rhus 80 \u2013 50 50 Margretheholmen P/S 34609829 K\u00f6penhamn 62 \u2013 50 50 P/S Ottilia Copenhagen 40087095 K\u00f6penhamn 41 \u2013 50 50 K/S Ejendomsholding Banemarksvej  43125834 Glostrup 18 \u2013 40 40 Eiendomsverdi AS 881971682 Oslo 13 14 25 25 Bankomat AB 556817-9716 Stockholm  9 9 20 20 Trill Impact AB 559196-0827 Stockholm 9 10 6 40 NF Fleet Oy 2006935-5 Espo 9 9 20 20 NF Fleet AB 556692-3271 Stockholm 7 6 20 20 NF Fleet A/S 29185263 K\u00f6penhamn 3 5 20 20 NF Fleet AS 988906808 Oslo 2 3 20 20 E-nettet Holding A/S 28308019 K\u00f6penhamn 3 3 19 19 CrediWire ApS 37264628 K\u00f6penhamn 2 1 7 7 Subaio ApS 37766585 \u00c5lborg 1 1 20 20 Financial Transaction Service B.V.  68914016 Amsterdam 0 4 10 15 Suomen Luotto-osuuskunta 0201646-0 Helsingfors 0 1 27 27 \u00d6vriga 0 0 Summa 492 199 Nordeas andel av joint venture-f\u00f6retagens aggregerade balans- och resultatr\u00e4kningar uppg\u00e5r till: Mn euro 31 dec 2022 31 dec 2021 Summa tillg\u00e5ngar 8 5 \u00c5rets resultat -7 -5 Totalresultat -7 -5 F\u00f6r information om aktier och andelar i dotterf\u00f6retag och f\u00f6retag d\u00e4r Nordea har obegr\u00e4nsat ansvar, se not K9.1 \u201dKon- soliderade f\u00f6retag\u201d. Joint ventures Organisations- nummer  S\u00e4te Redovisat v\u00e4rde 2022, mn euro Redovisat v\u00e4rde 2021, mn euro R\u00f6standel % \u00c4garandel % Genomsnittligt antal anst\u00e4llda Siirto Brand Oy 3102648-1 Helsingfors 1 1 50 50 \u2013 Invidem AB 559210-0779 Stockholm  3 1 17 17 33 P27 Nordic Payments Platform AB 559198-9610 Stockholm  13 6 17 17 57 Tibern AB 559384-3542 Stockholm  0 \u2013 14 14 \u2013 Summa 17 8 Summa intressef\u00f6retag och joint ventures 509 207 Nordeas andel av intressef\u00f6retagens aggregerade balans- och resultatr\u00e4kningar uppg\u00e5r till: Mn euro 31 dec 2022 31 dec 2021 Summa tillg\u00e5ngar 819 462 \u00c5rets resultat  3 7 \u00d6vrigt totalresultat 1 0 Totalresultat 4 7 ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInAssociatesExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-730": {
   "value": "   Andelar i intressef\u00f6retags och joint ventures resultat enligt kapitalandelsmetoden de\ufb01nieras som v\u00e4rdef\u00f6r\u00e4ndring- en, efter anskaffningsdagen, av Nordeas andel av intressef\u00f6- retagets och joint venture-f\u00f6retagets nettotillg\u00e5ngar. Nordeas andel av poster redovisade i intressef\u00f6retagens och joint  venture-f\u00f6retagens \u00f6vriga totalresultat redovisas i \u00f6vrigt total resultat  i  Nordea. Andelar i intressef\u00f6retags och joint  ventures resultat enligt kapitalandelsmetoden redovisas i  resultatr\u00e4kningen efter skatt. Skattekostnaden h\u00e4nf\u00f6rlig till  dessa resultatandelar ing\u00e5r f\u00f6ljaktligen inte i Nordeas redovi- sade skattekostnad. Erh\u00e5llna utdelningar redovisas som en  minskning av det redovisade v\u00e4rdet.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDividendsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-731": {
   "value": "K9.4  Andelar i struktur<span class=\"__13 _b_12\"/>erade f\u00f6r<span class=\"__13 _b_12\"/>etag<span class=\"__13 _15e\"> </span>Redovisningsprinciper<span class=\"__13 _15e\"> </span>Ett struk<span class=\"__13 _898\"/>turera<span class=\"__13 _898\"/>t f\u00f6r<span class=\"__13 _898\"/>etag \u00e4r ett f\u00f6r<span class=\"__13 _b_12\"/>etag som bildats f\u00f6r att uppn\u00e5 ett begr\u00e4nsat och v<span class=\"__13 _b_12\"/>\u00e4lde\ufb01nierat syfte, d\u00e4r r\u00f6str\u00e4<span class=\"__13 _b_12\"/>tten inte \u00e4r den av<span class=\"__13 _b_12\"/>g\u00f6rande fakt<span class=\"__13 _898\"/>orn f\u00f6r a<span class=\"__13 _b_12\"/>tt avg\u00f6ra om bes<span class=\"__13 _898\"/>t\u00e4mmande infl<span class=\"__13 _b_12\"/>ytande f\u00f6r<span class=\"__13 _898\"/>eligger<span class=\"__13 _b_12\"/>. Ofta \ufb01nns juridiska arrangemang som inneb\u00e4r strik<span class=\"__13 _b_12\"/>-<span class=\"__13 _15e\"> </span>ta begr\u00e4nsningar f<span class=\"__13 _b_12\"/>\u00f6r ledningens beslutander\u00e4tt i fr<span class=\"__13 _b_12\"/>\u00e5ga om den l\u00f6pande verksamheten i ett struk<span class=\"__13 _b_12\"/>turerat f<span class=\"__13 _b_12\"/>\u00f6retag. Samma kon-<span class=\"__13 _15e\"> </span>solideringskra<span class=\"__13 _b_12\"/>v g\u00e4ller f\u00f6r dessa f\u00f6r<span class=\"__13 _b_12\"/>etag, men eftersom aktier-<span class=\"__13 _15e\"> </span>nas r\u00f6str<span class=\"__13 _898\"/>\u00e4tt in<span class=\"__13 _898\"/>te \u00e4r det som a<span class=\"__13 _b_12\"/>vg\u00f6r om best\u00e4mmande infl<span class=\"__13 _898\"/>ytande f\u00f6r<span class=\"__13 _898\"/>eligger<span class=\"__13 _b_12\"/>, anv\u00e4nds andra f<span class=\"__13 _b_12\"/>aktorer f<span class=\"__13 _b_12\"/>\u00f6r att avg\u00f6r<span class=\"__13 _b_12\"/>a detta.<span class=\"__13 _15e\"> </span>Inflyt<span class=\"__13 _898\"/>ande kan f\u00f6r<span class=\"__13 _b_12\"/>eligga till f\u00f6ljd av a<span class=\"__13 _b_12\"/>vtal eller genom andra typer av in<span class=\"__13 _b_12\"/>flytande \u00f6ver ett struk<span class=\"__13 _b_12\"/>turerat f<span class=\"__13 _b_12\"/>\u00f6retag. Detta \u00e4r nor-<span class=\"__13 _15e\"> </span>malt fallet n\u00e4r Nor<span class=\"__13 _b_12\"/>dea har gett st\u00f6d till eller bildat ett struk<span class=\"__13 _b_12\"/>tu-<span class=\"__13 _15e\"> </span>rera<span class=\"__13 _898\"/>t f\u00f6r<span class=\"__13 _898\"/>etag eller n\u00e4r Nordea \u00e4r kapitalf<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>valt<span class=\"__13 _898\"/>are och efter eget gott\ufb01nnande f<span class=\"__13 _898\"/>attar beslut om in<span class=\"__13 _b_12\"/>vesteringar och andra administra<span class=\"__13 _b_12\"/>tiva fr\u00e5gor<span class=\"__13 _b_12\"/>.<span class=\"__13 _15e\"> </span>\u00c4<span class=\"__13 _b_12\"/>ven volatilitet i a<span class=\"__13 _b_12\"/>vkastningen \u00e4r en f\u00f6ruts\u00e4<span class=\"__13 _b_12\"/>ttning f\u00f6r konsoli<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>dering. Service- och provisionsa<span class=\"__13 _b_12\"/>vgifter i samband med bildan<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>det av s<span class=\"__13 _b_12\"/>trukturerade f<span class=\"__13 _b_12\"/>\u00f6retag \u00e4r i regel inte tillr<span class=\"__13 _b_12\"/>\u00e4ckligt stora f\u00f6r att f<span class=\"__13 _898\"/>\u00f6ranleda konsolidering, och detsamma g\u00e4ller om <span class=\"ws10_12\">Nor<span class=\"__13 _b_12\"/>dea<span class=\"__13 _c_12\"/><span class=\"ls0_13 ws0_13\"> </span></span>har rollen som kapitalf<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>valtar<span class=\"__13 _b_12\"/>e eller f\u00f6rvaringsinstitut. Finan<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>siering i form a<span class=\"__13 _b_12\"/>v fondandelar<span class=\"__13 _b_12\"/>, l\u00e5n eller kreditl\u00f6ften kan r<span class=\"__13 _b_12\"/>esultera i betydande vola<span class=\"__13 _898\"/>tilitet i a<span class=\"__13 _898\"/>vkastningen. Om <span class=\"ws10_12\">Nordea</span> \u00e4r e<span class=\"__13 _b_12\"/>xponerat f\u00f6r v<span class=\"__13 _898\"/>olatilitet i a<span class=\"__13 _b_12\"/>vkastningen och inflytandet \u00f6<span class=\"__13 _b_12\"/>ver f\u00f6retagen p\u00e5v<span class=\"__13 _b_12\"/>erkar avkastningen, s\u00e5 ska dessa s<span class=\"__13 _898\"/>truktur<span class=\"__13 _898\"/>erade f<span class=\"__13 _b_12\"/>\u00f6retag kon<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>solideras. Nor<span class=\"__13 _898\"/>dea<span class=\"ws0_13\"> bed\u00f6mer normalt att en andel uppg\u00e5ende till </span>mer \u00e4n 30 procen<span class=\"__13 _b_12\"/>t av avkas<span class=\"__13 _b_12\"/>tningen i ett strukturera<span class=\"__13 _b_12\"/>t f\u00f6retag ger upphov till vola<span class=\"__13 _898\"/>tilitet i a<span class=\"__13 _898\"/>vkastningen och d\u00e4rmed bes<span class=\"__13 _898\"/>t\u00e4mmande inflyt<span class=\"__13 _898\"/>ande. V<span class=\"__13 _b_12\"/>olatilitet i avkas<span class=\"__13 _b_12\"/>tningen ber\u00e4knas som summan av de av<span class=\"__13 _b_12\"/>gifter som erh\u00e5lls och omv\u00e4rdering a<span class=\"__13 _b_12\"/>v de tillg\u00e5ngar som innehas. F\u00f6r f<span class=\"__13 _b_12\"/>ondf\u00f6rs\u00e4kringar och andra kon<span class=\"__13 _b_12\"/>trakt d\u00e4r f\u00f6rs\u00e4k<span class=\"__13 _b_12\"/><span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>ringstagaren/ins\u00e4<span class=\"__13 _b_12\"/>ttaren best\u00e4mmer b\u00e5de belopp och vilka till<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>g\u00e5ngar som <span class=\"ws10_12\">Nordea</span> ska inv<span class=\"__13 _b_12\"/>estera i, anses <span class=\"ws10_12\">Nordea</span> v<span class=\"__13 _b_12\"/>ara agent och d\u00e4rmed inte ha bes<span class=\"__13 _b_12\"/>t\u00e4mmande inflytande.<span class=\"__13 _15e\"> </span>Konsolider<span class=\"__13 _b_12\"/>ade strukturerade f<span class=\"__13 _b_12\"/>\u00f6retag<span class=\"__13 _15e\"> </span>Viking ABCP<span class=\"__13 _b_12\"/> Conduit (Viking) har bildats med syftet att han-<span class=\"__13 _15e\"> </span>tera f<span class=\"__13 _b_12\"/>ordringar och skulder i samband med v\u00e4rdepapperisering gentemo<span class=\"__13 _b_12\"/>t nordiska kunder<span class=\"__13 _b_12\"/>. Viking handlar med fordringar fr<span class=\"__13 _b_12\"/>\u00e5n godk\u00e4nda s\u00e4ljare och \ufb01nansierar k<span class=\"__13 _898\"/>\u00f6pen genom att an<span class=\"__13 _898\"/>tingen utf\u00e4rda f<span class=\"__13 _b_12\"/>\u00f6retagscerti\ufb01kat via det etabler<span class=\"__13 _898\"/>ade programmet f<span class=\"__13 _b_12\"/>\u00f6r v\u00e4rdepapperiser<span class=\"__13 _b_12\"/>ade f\u00f6retagscerti\ufb01kat eller belas<span class=\"__13 _b_12\"/>ta tillg\u00e4ngliga likviditetsfacilit<span class=\"__13 _b_12\"/>eter<span class=\"__13 _898\"/>. Nordea har tillhandah\u00e5llit likviditetsf<span class=\"__13 _b_12\"/>aciliteter om maximalt <span class=\"__13 _15e\">1 006 mn euro (964 mn euro) v</span><span class=\"__13 _898\"/>ara<span class=\"__13 _b_12\"/><span class=\"__13 _15e\">v 826 mn euro (856 mn euro) </span>var utnyttja<span class=\"__13 _898\"/>t vid \u00e5rsskiftet. Tillg\u00e5ngarna i Viking uppgick vid <span class=\"__13 _15e\">\u00e5rsskiftet till 852 mn euro (1 007 mn euro). Viking k</span><span class=\"__13 _898\"/>onsolideras eftersom Nordea f<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>valtar f<span class=\"__13 _b_12\"/>\u00f6retaget och \u00e4r exponera<span class=\"__13 _b_12\"/>t f\u00f6r vola-<span class=\"__13 _15e\"> </span>tilitet i a<span class=\"__13 _898\"/>vkastningen via likviditetsf<span class=\"__13 _b_12\"/>aciliteten. Det \ufb01nns inga betydande res<span class=\"__13 _898\"/>triktioner f<span class=\"__13 _b_12\"/>\u00f6r \u00e5terbetalning av l\u00e5n f<span class=\"__13 _b_12\"/>r\u00e5n Viking, f\u00f6rutom a<span class=\"__13 _b_12\"/>tt betalningarna \u00e4r beroende av i vilken tak<span class=\"__13 _b_12\"/>t Viking realiserar sina tillg\u00e5ngar<span class=\"__13 _906\"/>.<span class=\"__13 _15e\"> </span>AR Finance inve<span class=\"__13 _898\"/>sterar i v<span class=\"__13 _b_12\"/>\u00e4rdepapper s\u00e4kerst\u00e4llda av k<span class=\"__13 _b_12\"/>und-<span class=\"__13 _15e\"> </span>for<span class=\"__13 _898\"/>dringar<span class=\"__13 _b_12\"/>. Nordea har tillhandah\u00e5llit likviditetsfacilit<span class=\"__13 _b_12\"/>eter om maximalt 150 mn euro (125 mn euro), v<span class=\"__13 _b_12\"/><span class=\"__13 _15e\">arav 103 mn euro </span><span class=\"__13 _15e\">(121 mn euro) v</span><span class=\"__13 _898\"/>ar utnyttjat vid \u00e5rsskiftet. F\u00f6r<span class=\"__13 _b_12\"/>etagets tillg\u00e5ngar uppgick vid \u00e5rsskiftet till 105 mn euro (122 mn euro). <span class=\"__13 _b_12\"/>AR Finan-<span class=\"__13 _15e\"> </span>ce konsolider<span class=\"__13 _898\"/>as eftersom Nordea f<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>valtar f<span class=\"__13 _b_12\"/>\u00f6retaget och  \u00e4r exponer<span class=\"__13 _898\"/>at f<span class=\"__13 _b_12\"/>\u00f6r volatilitet i avkas<span class=\"__13 _b_12\"/>tningen via likviditetsfaciliteten.<span class=\"__13 _15e\"> </span>Icke konsolider<span class=\"__13 _b_12\"/>ade strukturerade f<span class=\"__13 _b_12\"/>\u00f6retag<span class=\"__13 _15e\"> </span>Upplysningar l\u00e4mnas f<span class=\"__13 _b_12\"/>\u00f6r strukturerade f<span class=\"__13 _b_12\"/>\u00f6retag d\u00e4r Nordea har andelar men saknar best\u00e4mmande in<span class=\"__13 _898\"/>flytande. V<span class=\"__13 _b_12\"/>\u00e4rdepappers-<span class=\"__13 _15e\"> </span>fonder \u00e4r f<span class=\"__13 _b_12\"/>\u00f6r n\u00e4r<span class=\"__13 _c_12\"/>var<span class=\"__13 _898\"/>ande de enda icke-konsolider<span class=\"__13 _898\"/>ade struk<span class=\"__13 _898\"/>ture-<span class=\"__13 _15e\"> </span>rade f<span class=\"__13 _b_12\"/>\u00f6retag som Nordea har intress<span class=\"__13 _898\"/>en i.<span class=\"__13 _15e\"> </span>Nordea inve<span class=\"__13 _898\"/>ster<span class=\"__13 _898\"/>ar i v\u00e4rdepappersf<span class=\"__13 _b_12\"/>onder:<span class=\"__13 _15e\"> </span>\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">f\u00f6r f<span class=\"__13 _b_12\"/>\u00f6rs\u00e4kringstagares r\u00e4kning i <span class=\"ws0_13\">Nordea</span> Lif<span class=\"__13 _b_12\"/>e &amp; Pension<span class=\"__13 _15e\"> </span></span>\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">f\u00f6r spar<span class=\"__13 _b_12\"/>ares r\u00e4kning, d\u00e4r avkas<span class=\"__13 _b_12\"/>tningen \u00e4r baserad p\u00e5 </span>placeringen<span class=\"__13 _15e\"> </span>\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">som risks\u00e4kringar avs<span class=\"__13 _898\"/>eende exponeringar i s<span class=\"__13 _b_12\"/>trukturerade </span>produkt<span class=\"__13 _b_12\"/>er till kunder \u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">som \u00e4r illikvida riskkapital- och kr<span class=\"__13 _898\"/>editfonder<span class=\"__13 _906\"/>. <span class=\"__13 _a4_5\"> </span> <span class=\"__13 _a5_6\"> </span> </span>Nordeas e<span class=\"__13 _898\"/>xponering f\u00f6r v<span class=\"__13 _898\"/>olatilitet i a<span class=\"__13 _b_12\"/>vkastningen redovisas brutto, men nettoe<span class=\"__13 _b_12\"/>xponeringen \u00e4r betydligt mindre. V<span class=\"__13 _b_12\"/>\u00e4rdef\u00f6r-<span class=\"__13 _15e\"> </span>\u00e4ndringar i fondandelar f<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>v\u00e4rvade f<span class=\"__13 _b_12\"/>\u00f6r fondf\u00f6rs\u00e4kringstagar<span class=\"__13 _b_12\"/>es och sparares r<span class=\"__13 _b_12\"/>\u00e4kning, d\u00e4r de sj\u00e4lva b\u00e4r risken, \u00e5terspeglas i v\u00e4rdet p\u00e5 tillh\u00f6r<span class=\"__13 _898\"/>ande skulder<span class=\"__13 _906\"/>, och h\u00f6gsta nettoexponering f<span class=\"__13 _b_12\"/>\u00f6r f\u00f6rlus<span class=\"__13 _b_12\"/>ter \u00e4r noll. V\u00e4rdef<span class=\"__13 _b_12\"/>\u00f6r\u00e4ndringar i fondandelar som innehas f\u00f6r livf<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>s\u00e4kringstagares r<span class=\"__13 _b_12\"/>\u00e4kning (traditionella livf\u00f6rs\u00e4kringsav-<span class=\"__13 _15e\"> </span>tal) \u00f6verf<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>s till stor del till f<span class=\"__13 _b_12\"/>\u00f6rs\u00e4kringstagarna, men eftersom Nordea har l\u00e4mnat gar<span class=\"__13 _898\"/>antier f<span class=\"__13 _b_12\"/>\u00f6r vissa av dessa produk<span class=\"__13 _b_12\"/>ter \u00e4r Nordea e<span class=\"__13 _898\"/>xponerat f<span class=\"__13 _b_12\"/>\u00f6r v\u00e4rdef\u00f6r<span class=\"__13 _b_12\"/>\u00e4ndringarna. Fondandelar f<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>v\u00e4rvade f<span class=\"__13 _b_12\"/>\u00f6r risks\u00e4kring av struk<span class=\"__13 _898\"/>turerade produkt<span class=\"__13 _b_12\"/>er ska minska nettoexponeringarna i den m\u00e5n s\u00e4kring-<span class=\"__13 _15e\"> </span><span class=\"__13 _15e\">arna \u00e4r effek</span><span class=\"__13 _b_12\"/>tiva. Inves<span class=\"__13 _b_12\"/>teringar i illikvida riskkapital- och kreditfonder \u00e4r en naturlig del i hant<span class=\"__13 _b_12\"/>eringen av risker i Nordeas balansr\u00e4kning. Den maximala f\u00f6rlus<span class=\"__13 _b_12\"/>ten i dessa fonder ber\u00e4knas uppg\u00e5 till <span class=\"__13 _15e\">975 mn euro (875 mn euro</span><span class=\"__13 _b_12\"/>), vilket motsvarar v\u00e4r<span class=\"__13 _b_12\"/>det av inves<span class=\"__13 _b_12\"/>te-<span class=\"__13 _15e\"> </span>ringarna i fonderna.<span class=\"__13 _15e\"> </span>Nordea<span class=\"ws0_13\"> har etablera<span class=\"__13 _b_12\"/>t ett icke-konsoliderat struk<span class=\"__13 _b_12\"/>turerat f<span class=\"__13 _b_12\"/>\u00f6retag, </span>Thulite, utan att f<span class=\"__13 _b_12\"/>\u00f6r n\u00e4r<span class=\"__13 _c_12\"/>var<span class=\"__13 _898\"/>ande ha n\u00e5gon andel i det. D\u00e5 <span class=\"ws12_12\">Nordea</span><span class=\"ls0_13\"> </span>inte har n\u00e5go<span class=\"__13 _b_12\"/>t inflytande \u00f6ver f<span class=\"__13 _b_12\"/>\u00f6retaget anses <span class=\"ws12_12\">Nordea</span> ha spons<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>rat det. <span class=\"ws12_12\">Nordea</span> genomf<span class=\"__13 _b_12\"/>\u00f6rde en ny transak<span class=\"__13 _b_12\"/>tion med Thulite under 2022, d\u00e4r <span class=\"ws12_12\">Nordea</span> k\u00f6pt<span class=\"__13 _b_12\"/>e en \ufb01nansiell garanti f\u00f6r en portf<span class=\"__13 _b_12\"/>\u00f6lj av l\u00e5n. Nordea<span class=\"ws0_13\"> har tidigare k\u00f6p<span class=\"__13 _b_12\"/>t kreditskydd i form a<span class=\"__13 _b_12\"/>v ett CDS-kontrak<span class=\"__13 _b_12\"/>t<span class=\"__13 _c_12\"/> </span>och en \ufb01nansiell garan<span class=\"__13 _898\"/>ti fr\u00e5n <span class=\"__13 _b_12\"/>Thulite. <span class=\"ws12_12\">Nordea</span> har redo<span class=\"__13 _898\"/>visat min<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>dre \u00e4n 1 mn euro i in<span class=\"__13 _b_12\"/>t\u00e4kter fr\u00e5n <span class=\"__13 _b_12\"/>Thulite under 2021 och 2022.<span class=\"__13 _15e\"> </span>Nordea<span class=\"ws0_13\">s intr<span class=\"__13 _b_12\"/>essen i icke-konsoliderade struk<span class=\"__13 _b_12\"/>turerade f\u00f6r<span class=\"__13 _b_12\"/>etag<span class=\"__13 _c_12\"/> </span>och even<span class=\"__13 _898\"/>tuella tillh\u00f6rande skulder f<span class=\"__13 _b_12\"/>ramg\u00e5r av tabellen nedan. Det redovisade v<span class=\"__13 _898\"/>\u00e4rdet motsv<span class=\"__13 _898\"/>arar den maximala e<span class=\"__13 _b_12\"/>xponeringen mot<span class=\"__13 _c_12\"/> kreditf<span class=\"__13 _898\"/>\u00f6rluster<span class=\"__13 _906\"/>, f\u00f6re even<span class=\"__13 _b_12\"/>tuella s\u00e4kringar<span class=\"__13 _b_12\"/>. Int\u00e4kter f<span class=\"__13 _898\"/>r\u00e5n dessa inv<span class=\"__13 _b_12\"/>es<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>teringar redovisas s<span class=\"__13 _898\"/>om \u201dNettoresult<span class=\"__13 _898\"/>at a<span class=\"__13 _b_12\"/>v poster till verkligt v\u00e4rde\u201d<span class=\"__13 _906\"/>. Andelar i struktur<span class=\"__13 _b_12\"/>erade f\u00f6retag<span class=\"__13 _15e\"> </span>Mn euro<span class=\"__13 _a6_6\"> </span>31 dec 2022<span class=\"__13 _8b_5\"> </span>31 dec 2021<span class=\"__13 _15e\"> </span>Tillg\u00e5ngar<span class=\"__13 _b_12\"/>, redovisat v\u00e4rde:<span class=\"__13 _15e\"> </span>Andelar<span class=\"__13 _a7_6\"> </span>9 488<span class=\"__13 _a8_6\"> </span>11 504<span class=\"__13 _15e\"> </span>Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>s\u00e4kringsavt<span class=\"__13 _898\"/>al<span class=\"__13 _a9_6\"> </span>37 966<span class=\"__13 _8d_5\"> </span>4<span class=\"__13 _c_12\"/>3 898<span class=\"__13 _15e\"> </span>Summa tillg\u00e5ngar<span class=\"__13 _aa_5\"> </span>47 454<span class=\"__13 _ab_5\"> </span>55 402<span class=\"__13 _15e\"> </span>Skulder<span class=\"__13 _b_12\"/>, redovisat v\u00e4r<span class=\"__13 _b_12\"/>de:<span class=\"__13 _15e\"> </span>In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten<span class=\"__13 _ac_5\"> </span>37 966<span class=\"__13 _8d_5\"> </span>4<span class=\"__13 _c_12\"/>3 898<span class=\"__13 _15e\"> </span>Skulder till f\u00f6rs\u00e4krings<span class=\"__13 _898\"/>tagare<span class=\"__13 _974\"> </span>8 349<span class=\"__13 _ad_5\"> </span>10 495<span class=\"__13 _15e\"> </span>Summa skulder <span class=\"__13 _ae_6\"> </span>46 315<span class=\"__13 _ab_5\"> </span>54 393<span class=\"__13 _15e\"> </span>Poster ut<span class=\"__13 _898\"/>anf<span class=\"__13 _898\"/>\u00f6r balansr\u00e4kningen, nominellt belopp:<span class=\"__13 _15e\"> </span>Kredit\u00e5taganden<span class=\"__13 _af_6\"> </span>\u2013<span class=\"__13 _3f_7\"> </span>\u2013<span class=\"__13 _15e\"> </span>Nordea har andelar i cirka 2 500 olika f<span class=\"__13 _b_12\"/>onder som klassi\ufb01ceras som icke-konsolider<span class=\"__13 _b_12\"/>ade strukturerade f<span class=\"__13 _b_12\"/>\u00f6retag, vara<span class=\"__13 _b_12\"/>v omkring 400 f\u00f6rvalt<span class=\"__13 _898\"/>as av Nor<span class=\"__13 _b_12\"/>dea. Dessa har olika investeringsmanda<span class=\"__13 _898\"/>t och riskpro\ufb01ler<span class=\"__13 _906\"/>, allt fr\u00e5n sta<span class=\"__13 _898\"/>tsobligationsf<span class=\"__13 _b_12\"/>onder med l\u00e5g risk till aktief<span class=\"__13 _b_12\"/>onder med h\u00e4vst\u00e5ng d\u00e4r risk<span class=\"__13 _898\"/>en \u00e4r h\u00f6g. <span class=\"__13 _b_12\"/>Tillg\u00e5ngarna i fon-<span class=\"__13 _15e\"> </span>der f\u00f6rvalt<span class=\"__13 _898\"/>ade av Nor<span class=\"__13 _b_12\"/>dea uppg\u00e5r till 190 md euro (233 md euro). <span class=\"__13 _b_12\"/>Alla fondinnehav \ufb01nansier<span class=\"__13 _b_12\"/>as genom ins\u00e4ttningar fr\u00e5n fondandels\u00e4garna. In<span class=\"__13 _b_12\"/>formation om tillg\u00e5ngarna i f<span class=\"__13 _898\"/>onder som inte f<span class=\"__13 _b_12\"/>\u00f6r<span class=\"__13 _c_12\"/>valt<span class=\"__13 _898\"/>as av Nor<span class=\"__13 _b_12\"/>dea anses inte var<span class=\"__13 _898\"/>a relevan<span class=\"__13 _b_12\"/>t f\u00f6r f\u00f6rst<span class=\"__13 _898\"/>\u00e5elsen av de ak<span class=\"__13 _b_12\"/>tuella riskerna och redovisas d\u00e4rf\u00f6r in<span class=\"__13 _b_12\"/>te.<span class=\"__13 _15e\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-732": {
   "value": "K9.4  Andelar i strukturerade f\u00f6retag Redovisningsprinciper Ett strukturerat f\u00f6retag \u00e4r ett f\u00f6retag som bildats f\u00f6r att uppn\u00e5 ett begr\u00e4nsat och v\u00e4lde\ufb01nierat syfte, d\u00e4r r\u00f6str\u00e4tten inte \u00e4r den avg\u00f6rande faktorn f\u00f6r att avg\u00f6ra om best\u00e4mmande inflytande f\u00f6religger. Ofta \ufb01nns juridiska arrangemang som inneb\u00e4r strik- ta begr\u00e4nsningar f\u00f6r ledningens beslutander\u00e4tt i fr\u00e5ga om den l\u00f6pande verksamheten i ett strukturerat f\u00f6retag. Samma kon- solideringskrav g\u00e4ller f\u00f6r dessa f\u00f6retag, men eftersom aktier- nas r\u00f6str\u00e4tt inte \u00e4r det som avg\u00f6r om best\u00e4mmande inflytande f\u00f6religger, anv\u00e4nds andra faktorer f\u00f6r att avg\u00f6ra detta. Inflytande kan f\u00f6religga till f\u00f6ljd av avtal eller genom andra typer av inflytande \u00f6ver ett strukturerat f\u00f6retag. Detta \u00e4r nor- malt fallet n\u00e4r Nordea har gett st\u00f6d till eller bildat ett struktu- rerat f\u00f6retag eller n\u00e4r Nordea \u00e4r kapitalf\u00f6rvaltare och efter eget gott\ufb01nnande fattar beslut om investeringar och andra administrativa fr\u00e5gor. \u00c4ven volatilitet i avkastningen \u00e4r en f\u00f6ruts\u00e4ttning f\u00f6r konsoli- dering. Service- och provisionsavgifter i samband med bildan- det av strukturerade f\u00f6retag \u00e4r i regel inte tillr\u00e4ckligt stora f\u00f6r att f\u00f6ranleda konsolidering, och detsamma g\u00e4ller om Nordea har rollen som kapitalf\u00f6rvaltare eller f\u00f6rvaringsinstitut. Finan- siering i form av fondandelar, l\u00e5n eller kreditl\u00f6ften kan resultera i betydande volatilitet i avkastningen. Om Nordea \u00e4r exponerat f\u00f6r volatilitet i avkastningen och inflytandet \u00f6ver f\u00f6retagen p\u00e5verkar avkastningen, s\u00e5 ska dessa strukturerade f\u00f6retag kon- solideras. Nordea bed\u00f6mer normalt att en andel uppg\u00e5ende till mer \u00e4n 30 procent av avkastningen i ett strukturerat f\u00f6retag ger upphov till volatilitet i avkastningen och d\u00e4rmed best\u00e4mmande inflytande. Volatilitet i avkastningen ber\u00e4knas som summan av de avgifter som erh\u00e5lls och omv\u00e4rdering av de tillg\u00e5ngar som innehas. F\u00f6r fondf\u00f6rs\u00e4kringar och andra kontrakt d\u00e4r f\u00f6rs\u00e4k- ringstagaren/ins\u00e4ttaren best\u00e4mmer b\u00e5de belopp och vilka till- g\u00e5ngar som Nordea ska investera i, anses Nordea vara agent och d\u00e4rmed inte ha best\u00e4mmande inflytande. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-733": {
   "value": "K9.5   Tillg\u00e5ngar och skulder som innehas f\u00f6r f\u00f6rs\u00e4ljning Redovisningsprinciper Enskilda tillg\u00e5ngar och avyttringsgrupper med tillg\u00e5ngar och skulder redovisas p\u00e5 separata rader i balansr\u00e4kningen, \u201dTill- g\u00e5ngar som innehas f\u00f6r f\u00f6rs\u00e4ljning\u201d respektive \u201dSkulder som innehas f\u00f6r f\u00f6rs\u00e4ljning\u201d, fr\u00e5n klassi\ufb01ceringsdagen. Detta sker n\u00e4r f\u00f6ljande kriterier uppfylls: \u2022  Det redovisade v\u00e4rdet kommer i huvudsak att \u00e5tervinnas genom f\u00f6rs\u00e4ljning, inte genom fortl\u00f6pande anv\u00e4ndning. \u2022  Beslut om f\u00f6rs\u00e4ljning har fattats p\u00e5 r\u00e4tt niv\u00e5 och tillg\u00e5ngen eller avyttringsgruppen kan s\u00e4ljas i be\ufb01ntligt skick. \u2022  F\u00f6rs\u00e4ljningen \u00e4r mycket sannolik och kommer att genom- f\u00f6ras inom 12 m\u00e5nader. Finansiella instrument v\u00e4rderas \u00e4ven forts\u00e4ttningsvis enligt reglerna i IFRS 9, medan icke-\ufb01nansiella tillg\u00e5ngar redovisas till det l\u00e4gre av redovisat v\u00e4rde och verkligt v\u00e4rde. J\u00e4mf\u00f6rel- sesiffror r\u00e4knas inte om. Under 2018, i samband med att Nordea och DnB s\u00e5lde omkring 60 procent av sitt samlade innehav i Luminor till Blackstone, tecknade Nordea och Blackstone dessutom avtal om framtida f\u00f6rs\u00e4ljning av Nordeas \u00e5terst\u00e5ende innehav om 19,95 procent under kommande \u00e5r. Per den 31 december 2021 hade Nordea 11,6 procent av aktierna i Luminor, till ett v\u00e4rde av 180 mn euro. Aktierna klassi\ufb01cerades som tillg\u00e5ngar som innehas f\u00f6r f\u00f6rs\u00e4ljning, till f\u00f6ljd av avtalet med Blackstone om framtida f\u00f6rs\u00e4ljning. De \u00e5terst\u00e5ende aktierna s\u00e5ldes den  1 september 2022. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-734": {
   "value": "K9.5   Tillg\u00e5ngar och skulder som innehas f\u00f6r f\u00f6rs\u00e4ljning Redovisningsprinciper Enskilda tillg\u00e5ngar och avyttringsgrupper med tillg\u00e5ngar och skulder redovisas p\u00e5 separata rader i balansr\u00e4kningen, \u201dTill- g\u00e5ngar som innehas f\u00f6r f\u00f6rs\u00e4ljning\u201d respektive \u201dSkulder som innehas f\u00f6r f\u00f6rs\u00e4ljning\u201d, fr\u00e5n klassi\ufb01ceringsdagen. Detta sker n\u00e4r f\u00f6ljande kriterier uppfylls: \u2022  Det redovisade v\u00e4rdet kommer i huvudsak att \u00e5tervinnas genom f\u00f6rs\u00e4ljning, inte genom fortl\u00f6pande anv\u00e4ndning. \u2022  Beslut om f\u00f6rs\u00e4ljning har fattats p\u00e5 r\u00e4tt niv\u00e5 och tillg\u00e5ngen eller avyttringsgruppen kan s\u00e4ljas i be\ufb01ntligt skick. \u2022  F\u00f6rs\u00e4ljningen \u00e4r mycket sannolik och kommer att genom- f\u00f6ras inom 12 m\u00e5nader. Finansiella instrument v\u00e4rderas \u00e4ven forts\u00e4ttningsvis enligt reglerna i IFRS 9, medan icke-\ufb01nansiella tillg\u00e5ngar redovisas till det l\u00e4gre av redovisat v\u00e4rde och verkligt v\u00e4rde. J\u00e4mf\u00f6rel- sesiffror r\u00e4knas inte om. Under 2018, i samband med att Nordea och DnB s\u00e5lde omkring 60 procent av sitt samlade innehav i Luminor till Blackstone, tecknade Nordea och Blackstone dessutom avtal om framtida f\u00f6rs\u00e4ljning av Nordeas \u00e5terst\u00e5ende innehav om 19,95 procent under kommande \u00e5r. Per den 31 december 2021 hade Nordea 11,6 procent av aktierna i Luminor, till ett v\u00e4rde av 180 mn euro. Aktierna klassi\ufb01cerades som tillg\u00e5ngar som innehas f\u00f6r f\u00f6rs\u00e4ljning, till f\u00f6ljd av avtalet med Blackstone om framtida f\u00f6rs\u00e4ljning. De \u00e5terst\u00e5ende aktierna s\u00e5ldes den  1 september 2022. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfNoncurrentAssetsHeldForSaleAndDiscontinuedOperationsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-735": {
   "value": "K9.5   Tillg\u00e5ngar och skulder som innehas f\u00f6r f\u00f6rs\u00e4ljning Redovisningsprinciper Enskilda tillg\u00e5ngar och avyttringsgrupper med tillg\u00e5ngar och skulder redovisas p\u00e5 separata rader i balansr\u00e4kningen, \u201dTill- g\u00e5ngar som innehas f\u00f6r f\u00f6rs\u00e4ljning\u201d respektive \u201dSkulder som innehas f\u00f6r f\u00f6rs\u00e4ljning\u201d, fr\u00e5n klassi\ufb01ceringsdagen. Detta sker n\u00e4r f\u00f6ljande kriterier uppfylls: \u2022  Det redovisade v\u00e4rdet kommer i huvudsak att \u00e5tervinnas genom f\u00f6rs\u00e4ljning, inte genom fortl\u00f6pande anv\u00e4ndning. \u2022  Beslut om f\u00f6rs\u00e4ljning har fattats p\u00e5 r\u00e4tt niv\u00e5 och tillg\u00e5ngen eller avyttringsgruppen kan s\u00e4ljas i be\ufb01ntligt skick. \u2022  F\u00f6rs\u00e4ljningen \u00e4r mycket sannolik och kommer att genom- f\u00f6ras inom 12 m\u00e5nader. Finansiella instrument v\u00e4rderas \u00e4ven forts\u00e4ttningsvis enligt reglerna i IFRS 9, medan icke-\ufb01nansiella tillg\u00e5ngar redovisas till det l\u00e4gre av redovisat v\u00e4rde och verkligt v\u00e4rde. J\u00e4mf\u00f6rel- sesiffror r\u00e4knas inte om. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-736": {
   "value": "K9.5   Tillg\u00e5ngar och skulder som innehas f\u00f6r f\u00f6rs\u00e4ljning Redovisningsprinciper Enskilda tillg\u00e5ngar och avyttringsgrupper med tillg\u00e5ngar och skulder redovisas p\u00e5 separata rader i balansr\u00e4kningen, \u201dTill- g\u00e5ngar som innehas f\u00f6r f\u00f6rs\u00e4ljning\u201d respektive \u201dSkulder som innehas f\u00f6r f\u00f6rs\u00e4ljning\u201d, fr\u00e5n klassi\ufb01ceringsdagen. Detta sker n\u00e4r f\u00f6ljande kriterier uppfylls: \u2022  Det redovisade v\u00e4rdet kommer i huvudsak att \u00e5tervinnas genom f\u00f6rs\u00e4ljning, inte genom fortl\u00f6pande anv\u00e4ndning. \u2022  Beslut om f\u00f6rs\u00e4ljning har fattats p\u00e5 r\u00e4tt niv\u00e5 och tillg\u00e5ngen eller avyttringsgruppen kan s\u00e4ljas i be\ufb01ntligt skick. \u2022  F\u00f6rs\u00e4ljningen \u00e4r mycket sannolik och kommer att genom- f\u00f6ras inom 12 m\u00e5nader. Finansiella instrument v\u00e4rderas \u00e4ven forts\u00e4ttningsvis enligt reglerna i IFRS 9, medan icke-\ufb01nansiella tillg\u00e5ngar redovisas till det l\u00e4gre av redovisat v\u00e4rde och verkligt v\u00e4rde. J\u00e4mf\u00f6rel- sesiffror r\u00e4knas inte om",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperationsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-738": {
   "value": "K10.1   Ytterligare  upplysningar om rapporten \u00f6ver f\u00f6r\u00e4ndringar i eget kapital Redovisningsprinciper Eget kapital inneb\u00e4r en residual r\u00e4tt i redovisade tillg\u00e5ngar, efter avdrag f\u00f6r redovisade skulder. F\u00f6r eget kapital \ufb01nns inte n\u00e5got krav p\u00e5 att distribuera kassafl\u00f6den. Instrumenten klas- si\ufb01ceras som \ufb01nansiella skulder om s\u00e5dana genuina krav f\u00f6re- ligger, exempelvis att betala r\u00e4nta n\u00e4r en utl\u00f6sande h\u00e4ndelse bortom emittentens och innehavarens kontroll intr\u00e4ffar. Se not K3.3 \u201dKlassi\ufb01cering och v\u00e4rdering\u201d f\u00f6r mer information inklu- sive de kritiska bed\u00f6mningar som Nordea anv\u00e4nder sig av. Alla utbetalningar f\u00f6rknippade med instrument klassi\ufb01ce- rade som eget kapital redovisas som utdelning direkt under eget kapital. Nordea behandlar betalningar p\u00e5 \ufb01nansiella instrument klassi\ufb01cerade som eget kapital (det vill s\u00e4ga pri- m\u00e4rkapitaltillskott) som vinstutdelning, och d\u00e4rf\u00f6r redovisas dessa som utdelningar. Utdelning till aktie\u00e4gare redovisas som minskning av eget kapital efter att den ordinarie bolags- st\u00e4mman har antagit f\u00f6rslaget. I situationer n\u00e4r den ordinarie bolagsst\u00e4mman har givit styrelsen mandat att fatta beslut om utdelning upp till ett visst belopp, bokf\u00f6rs minskningen av eget kapital n\u00e4r styrelsen har fattat beslut om utdelning. Investeringar i egna aktier redovisas inte som tillg\u00e5ngar utan som en minskning av eget kapital med avdrag f\u00f6r even- tuella transaktionskostnader. F\u00f6rv\u00e4rv av egna aktier inom ramen f\u00f6r Markets handelsverksamhet redovisas som en minskning av investerat fritt eget kapital. Egna aktier som f\u00f6r- v\u00e4rvats i syfte att optimera kapitalstrukturen och inom ramen f\u00f6r Nordeas aktie\u00e5terk\u00f6psprogram redovisas som en minsk- ning av balanserade vinstmedel. Transaktionskostnader i samband med \u00e5terk\u00f6p av egna aktier redovisas ocks\u00e5 under eget kapital. N\u00e4r aktier ogiltigf\u00f6rklaras har detta inte n\u00e5gon inverkan p\u00e5 redovisningen. Avyttring av egna aktier i handels- verksamheten redovisas som en \u00f6kning av investerat fritt eget kapital. Kontrakt p\u00e5 Nordeaaktier som kan kontantavr\u00e4knas, till exempel derivat s\u00e5som optioner och warranter, redovisas antingen som \ufb01nansiella tillg\u00e5ngar eller skulder, vilket bety- der att dessa inte utg\u00f6r eget kapital-instrument. Minoritetsintressen omfattar den del av koncernf\u00f6retags nettotillg\u00e5ngar som inte \u00e4gs direkt eller indirekt av Nordea Bank Abp. F\u00f6r varje r\u00f6relsef\u00f6rv\u00e4rv v\u00e4rderar Nordea minori- tetsintressena i den f\u00f6rv\u00e4rvade r\u00f6relsen antingen till verkligt v\u00e4rde eller till innehavets proportionella andel av den f\u00f6rv\u00e4r- vade r\u00f6relsens nettotillg\u00e5ngar. \u00d6vriga reserver utg\u00f6rs av int\u00e4kter och kostnader, netto efter skatteeffekter, som redovisas under eget kapital via \u00f6vrigt totalresultat. Med undantag f\u00f6r ej utdelade vinstmedel fr\u00e5n tidigare \u00e5r, omfattar balanserade vinstmedel eget kapital-delen av obe- skattade reserver. Obeskattade reserver enligt nationella best\u00e4mmelser, redovisas som eget kapital efter beaktande av uppskjuten skatt enligt g\u00e4llande skattesatser i respektive land. \u00c4ven Nordeas andel av ej utdelade vinstmedel fr\u00e5n intres- sef\u00f6retag och joint ventures intj\u00e4nade efter f\u00f6rv\u00e4rvsdagen, ing\u00e5r i balanserade vinstmedel. I nnehavare av \u00f6vrigt prim\u00e4rkapital Nordea har emitterat eviga efterst\u00e4llda instrument d\u00e4r r\u00e4nte- betalningarna till innehavarna beslutas diskretion\u00e4rt av Nordea och inte ackumuleras. Vissa av dessa instrument inne- fattar ocks\u00e5 ett krav p\u00e5 Nordea att betala r\u00e4nta om instru- menten inte l\u00e4ngre till\u00e5ts ing\u00e5 i prim\u00e4rkapitalet. Vilka efter- st\u00e4llda skulder som f\u00e5r r\u00e4knas in i prim\u00e4rkapitalet best\u00e4ms av tillsynsmyndigheterna och \u00e4r d\u00e4rmed bortom Nordeas och innehavarnas kontroll. Nordea klassi\ufb01cerar instrumenten som \ufb01nansiella skulder. Instrument som inte omfattas av s\u00e5dana klausuler klassi\ufb01ceras som eget kapital eftersom det inte \ufb01nns n\u00e5got krav att Nordea ska betala r\u00e4nta eller kapitalbe- lopp till innehavarna. Minoritetsintressen F\u00f6r information om minoritetsintressen, se not K9.1 \u201dKonsoli- derade f\u00f6retag\u201d. Aktiekapital Aktiekapitalet uppg\u00e5r till 4 049 951 919 euro. Nordeaaktien har inget nominellt v\u00e4rde. Varje aktie ger en r\u00f6str\u00e4tt. F\u00f6r mer information om antalet registrerade aktier, se \u201dRapport \u00f6ver f\u00f6r\u00e4ndringar i eget kapital\u201d . Investerat fritt eget kapital Investerat fritt eget kapital best\u00e5r av \u00f6verkursfonden f\u00f6r Nordea Bank AB (publ) f\u00f6re flytten av bolagets s\u00e4te till Fin- land genom en gr\u00e4ns\u00f6verskridande omv\u00e4nd fusion. Investerat fritt eget kapital har \u00e4ven p\u00e5verkats av f\u00f6rv\u00e4rv och f\u00f6rs\u00e4ljning av egna aktier i Markets handelsverksamhet. \u00d6vriga reserver Dessa reserver omfattar reserver f\u00f6r kassafl\u00f6dess\u00e4kringar, \ufb01nansiella tillg\u00e5ngar som klassi\ufb01cerats i kategorin \u201dFinansiel- la tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via \u00f6vrigt totalresul- tat\u201d och ackumulerade omv\u00e4rderingar av f\u00f6rm\u00e5nsbest\u00e4mda pensionsplaner, samt en reserv f\u00f6r omr\u00e4kningsdifferenser. Balanserade vinstmedel Balanserade vinstmedel utg\u00f6rs fr\u00e4mst av Nordeas ej utdelade vinstmedel fr\u00e5n tidigare \u00e5r. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDividendsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-739": {
   "value": "Investeringar i egna aktier redovisas inte som tillg\u00e5ngar utan som en minskning av eget kapital med avdrag f\u00f6r even- tuella transaktionskostnader. F\u00f6rv\u00e4rv av egna aktier inom ramen f\u00f6r Markets handelsverksamhet redovisas som en minskning av investerat fritt eget kapital. Egna aktier som f\u00f6r- v\u00e4rvats i syfte att optimera kapitalstrukturen och inom ramen f\u00f6r Nordeas aktie\u00e5terk\u00f6psprogram redovisas som en minsk- ning av balanserade vinstmedel. Transaktionskostnader i samband med \u00e5terk\u00f6p av egna aktier redovisas ocks\u00e5 under eget kapital. N\u00e4r aktier ogiltigf\u00f6rklaras har detta inte n\u00e5gon inverkan p\u00e5 redovisningen. Avyttring av egna aktier i handels- verksamheten redovisas som en \u00f6kning av investerat fritt eget kapital. Kontrakt p\u00e5 Nordeaaktier som kan kontantavr\u00e4knas, till exempel derivat s\u00e5som optioner och warranter, redovisas antingen som \ufb01nansiella tillg\u00e5ngar eller skulder, vilket bety- der att dessa inte utg\u00f6r eget kapital-instrument. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTreasurySharesExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-740": {
   "value": "Investeringar i egna aktier redovisas inte som tillg\u00e5ngar utan som en minskning av eget kapital med avdrag f\u00f6r even- tuella transaktionskostnader. F\u00f6rv\u00e4rv av egna aktier inom ramen f\u00f6r Markets handelsverksamhet redovisas som en minskning av investerat fritt eget kapital. Egna aktier som f\u00f6r- v\u00e4rvats i syfte att optimera kapitalstrukturen och inom ramen f\u00f6r Nordeas aktie\u00e5terk\u00f6psprogram redovisas som en minsk- ning av balanserade vinstmedel. Transaktionskostnader i samband med \u00e5terk\u00f6p av egna aktier redovisas ocks\u00e5 under eget kapital. N\u00e4r aktier ogiltigf\u00f6rklaras har detta inte n\u00e5gon inverkan p\u00e5 redovisningen. Avyttring av egna aktier i handels- verksamheten redovisas som en \u00f6kning av investerat fritt eget kapital. Kontrakt p\u00e5 Nordeaaktier som kan kontantavr\u00e4knas, till exempel derivat s\u00e5som optioner och warranter, redovisas antingen som \ufb01nansiella tillg\u00e5ngar eller skulder, vilket bety- der att dessa inte utg\u00f6r eget kapital-instrument. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTreasurySharesExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-741": {
   "value": "I nnehavare av \u00f6vrigt prim\u00e4rkapital Nordea har emitterat eviga efterst\u00e4llda instrument d\u00e4r r\u00e4nte- betalningarna till innehavarna beslutas diskretion\u00e4rt av Nordea och inte ackumuleras. Vissa av dessa instrument inne- fattar ocks\u00e5 ett krav p\u00e5 Nordea att betala r\u00e4nta om instru- menten inte l\u00e4ngre till\u00e5ts ing\u00e5 i prim\u00e4rkapitalet. Vilka efter- st\u00e4llda skulder som f\u00e5r r\u00e4knas in i prim\u00e4rkapitalet best\u00e4ms av tillsynsmyndigheterna och \u00e4r d\u00e4rmed bortom Nordeas och innehavarnas kontroll. Nordea klassi\ufb01cerar instrumenten som \ufb01nansiella skulder. Instrument som inte omfattas av s\u00e5dana klausuler klassi\ufb01ceras som eget kapital eftersom det inte \ufb01nns n\u00e5got krav att Nordea ska betala r\u00e4nta eller kapitalbe- lopp till innehavarna. Aktiekapital Aktiekapitalet uppg\u00e5r till 4 049 951 919 euro. Nordeaaktien har inget nominellt v\u00e4rde. Varje aktie ger en r\u00f6str\u00e4tt. F\u00f6r mer information om antalet registrerade aktier, se \u201dRapport \u00f6ver f\u00f6r\u00e4ndringar i eget kapital\u201d . ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIssuedCapitalExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-742": {
   "value": "nnehavare av \u00f6vrigt prim\u00e4rkapital Nordea har emitterat eviga efterst\u00e4llda instrument d\u00e4r r\u00e4nte- betalningarna till innehavarna beslutas diskretion\u00e4rt av Nordea och inte ackumuleras. Vissa av dessa instrument inne- fattar ocks\u00e5 ett krav p\u00e5 Nordea att betala r\u00e4nta om instru- menten inte l\u00e4ngre till\u00e5ts ing\u00e5 i prim\u00e4rkapitalet. Vilka efter- st\u00e4llda skulder som f\u00e5r r\u00e4knas in i prim\u00e4rkapitalet best\u00e4ms av tillsynsmyndigheterna och \u00e4r d\u00e4rmed bortom Nordeas och innehavarnas kontroll. Nordea klassi\ufb01cerar instrumenten som \ufb01nansiella skulder. Instrument som inte omfattas av s\u00e5dana klausuler klassi\ufb01ceras som eget kapital eftersom det inte \ufb01nns n\u00e5got krav att Nordea ska betala r\u00e4nta eller kapitalbe- lopp till innehavarna. Minoritetsintressen F\u00f6r information om minoritetsintressen, se not K9.1 \u201dKonsoli- derade f\u00f6retag\u201d. Aktiekapital Aktiekapitalet uppg\u00e5r till 4 049 951 919 euro. Nordeaaktien har inget nominellt v\u00e4rde. Varje aktie ger en r\u00f6str\u00e4tt. F\u00f6r mer information om antalet registrerade aktier, se \u201dRapport \u00f6ver f\u00f6r\u00e4ndringar i eget kapital\u201d . Investerat fritt eget kapital Investerat fritt eget kapital best\u00e5r av \u00f6verkursfonden f\u00f6r Nordea Bank AB (publ) f\u00f6re flytten av bolagets s\u00e4te till Fin- land genom en gr\u00e4ns\u00f6verskridande omv\u00e4nd fusion. Investerat fritt eget kapital har \u00e4ven p\u00e5verkats av f\u00f6rv\u00e4rv och f\u00f6rs\u00e4ljning av egna aktier i Markets handelsverksamhet. \u00d6vriga reserver Dessa reserver omfattar reserver f\u00f6r kassafl\u00f6dess\u00e4kringar, \ufb01nansiella tillg\u00e5ngar som klassi\ufb01cerats i kategorin \u201dFinansiel- la tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via \u00f6vrigt totalresul- tat\u201d och ackumulerade omv\u00e4rderingar av f\u00f6rm\u00e5nsbest\u00e4mda pensionsplaner, samt en reserv f\u00f6r omr\u00e4kningsdifferenser. Balanserade vinstmedel Balanserade vinstmedel utg\u00f6rs fr\u00e4mst av Nordeas ej utdelade vinstmedel fr\u00e5n tidigare \u00e5r. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-744": {
   "value": "\u00d6vriga reserver Dessa reserver omfattar reserver f\u00f6r kassafl\u00f6dess\u00e4kringar, \ufb01nansiella tillg\u00e5ngar som klassi\ufb01cerats i kategorin \u201dFinansiel- la tillg\u00e5ngar v\u00e4rderade till verkligt v\u00e4rde via \u00f6vrigt totalresul- tat\u201d och ackumulerade omv\u00e4rderingar av f\u00f6rm\u00e5nsbest\u00e4mda pensionsplaner, samt en reserv f\u00f6r omr\u00e4kningsdifferenser",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReservesAndOtherEquityInterestExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-745": {
   "value": "K10.2 <span class=\"__13 _933\"> </span> Ytterligare <span class=\"__13 _934\"> </span>uppl<span class=\"__13 _b_12\"/>ysningar om kassafl\u00f6desanal<span class=\"__13 _b_12\"/>ysen<span class=\"__13 _15e\"> </span>Redovisningsprinciper<span class=\"__13 _15e\"> </span>Kassafl\u00f6desanal<span class=\"__13 _b_12\"/>ysen visar in- och utbetalningar av likvida<span class=\"__13 _15e\"> </span> medel under \u00e5ret f<span class=\"__13 _898\"/>\u00f6r den totala v<span class=\"__13 _898\"/>erksamheten. Nordeas kas-<span class=\"__13 _15e\"> </span>safl\u00f6desanalys har uppr<span class=\"__13 _b_12\"/>\u00e4ttats enligt den indirek<span class=\"__13 _898\"/>ta metoden,<span class=\"__13 _15e\"> </span> vilket inneb\u00e4r att r\u00f6r<span class=\"__13 _b_12\"/>elseresultatet har jus<span class=\"__13 _898\"/>tera<span class=\"__13 _898\"/>ts f\u00f6r tr<span class=\"__13 _b_12\"/>ansaktio-<span class=\"__13 _15e\"> </span>ner som inte medf<span class=\"__13 _b_12\"/>\u00f6r in- eller utbetalningar<span class=\"__13 _b_12\"/>, till exempel<span class=\"__13 _15e\"> </span> avskrivningar och kr<span class=\"__13 _b_12\"/>editf\u00f6rluster<span class=\"__13 _906\"/>. Redovisningen av kassa<span class=\"__13 _b_12\"/>fl\u00f6<span class=\"__13 _c_12\"/>-<span class=\"__13 _15e\"> </span>den g\u00f6rs utifr\u00e5n kat<span class=\"__13 _b_12\"/>egorierna l\u00f6pande verksamhet<span class=\"__13 _c_12\"/>, inves<span class=\"__13 _b_12\"/>te-<span class=\"__13 _15e\"> </span>ringsverksamhet och \ufb01nansieringsverksamhet.<span class=\"__13 _15e\"> </span>Den l\u00f6pande verksamheten<span class=\"__13 _15e\"> </span>Kassafl\u00f6det f<span class=\"__13 _b_12\"/>r\u00e5n den l\u00f6pande verksamheten, som \u00e4r den huvudsakliga int\u00e4k<span class=\"__13 _b_12\"/>tsbringande verksamheten, h\u00e4rr\u00f6r fr\u00e4ms<span class=\"__13 _b_12\"/>t fr\u00e5n r<span class=\"__13 _898\"/>\u00f6relseresul<span class=\"__13 _b_12\"/>tatet, justerat f<span class=\"__13 _b_12\"/>\u00f6r poster som inte ing\u00e5r i kas-<span class=\"__13 _15e\"> </span>safl\u00f6det samt bet<span class=\"__13 _898\"/>alda inkomstska<span class=\"__13 _b_12\"/>tter<span class=\"__13 _898\"/>. Justeringar f<span class=\"__13 _b_12\"/>\u00f6r poster som inte ing\u00e5r i k<span class=\"__13 _898\"/>assafl\u00f6det innef<span class=\"__13 _898\"/>attar:<span class=\"__13 _15e\"> </span>Mn euro<span class=\"__13 _b9_6\"> </span>2022<span class=\"__13 _ba_6\"> </span>2021<span class=\"__13 _15e\"> </span>A<span class=\"__13 _b_12\"/>vskrivningar<span class=\"__13 _bb_6\"> </span>586<span class=\"__13 _bc_5\"> </span>605<span class=\"__13 _15e\"> </span>Nedskrivningar<span class=\"__13 _bd_6\"> </span><span class=\"ls6_12 wsd_12\">25<span class=\"__13 _be_6\"> </span></span>59<span class=\"__13 _15e\"> </span>Kreditf\u00f6rl<span class=\"__13 _898\"/>uster<span class=\"__13 _985\"> </span><span class=\"ls4_12 wsb_12\">176<span class=\"__13 _930\"> </span>171<span class=\"__13 _15e\"> </span></span>Nettoresulta<span class=\"__13 _b_12\"/>t av utl\u00e5ning i portf\u00f6ljer som h\u00e5lls till f\u00f6rfall och obliga<span class=\"__13 _b_12\"/>toriskt v\u00e4rderas till v<span class=\"__13 _898\"/>erkligt v\u00e4rde<span class=\"__13 _4d_5\"> </span>13<span class=\"__13 _bf_6\"> </span>-83<span class=\"__13 _15e\"> </span>Orealiserade v<span class=\"__13 _898\"/>\u00e4rdef\u00f6r<span class=\"__13 _b_12\"/>\u00e4ndringar<span class=\"__13 _c0_6\"> </span>-825<span class=\"__13 _c1_5\"> </span>825<span class=\"__13 _15e\"> </span>Realisationsvinst<span class=\"__13 _b_12\"/>er/-f\u00f6rluster<span class=\"__13 _906\"/>, netto<span class=\"__13 _c2_6\"> </span>-40<span class=\"__13 _bf_6\"> </span>-50<span class=\"__13 _15e\"> </span>F\u00f6r\u00e4ndring a<span class=\"__13 _b_12\"/>v upplupna kostnader<span class=\"__13 _898\"/>/int\u00e4k<span class=\"__13 _b_12\"/>ter och avs\u00e4<span class=\"__13 _898\"/>ttningar<span class=\"__13 _c3_5\"> </span>-446<span class=\"__13 _a8_6\"> </span><span class=\"ls3_12 wsa_12\">-249<span class=\"__13 _15e\"> </span></span><span class=\"__13 _15e\">Omr\u00e4kningsdiff</span><span class=\"__13 _898\"/>erenser<span class=\"__13 _966\"> </span>569<span class=\"__13 _bc_5\"> </span>340<span class=\"__13 _15e\"> </span>F\u00f6r\u00e4ndring a<span class=\"__13 _b_12\"/>v \u00e5terb\u00e4ringsmedel, Life &amp; Pension<span class=\"__13 _944\"> </span>-306<span class=\"__13 _c4_5\"> </span>1 061<span class=\"__13 _15e\"> </span>F\u00f6r\u00e4ndring a<span class=\"__13 _b_12\"/>v tekniska reserver<span class=\"__13 _b_12\"/>, Life &amp; Pension<span class=\"__13 _3d_7\"> </span>-1 562<span class=\"__13 _bc_5\"> </span>863<span class=\"__13 _15e\"> </span>F\u00f6r\u00e4ndringar a<span class=\"__13 _b_12\"/>v verkligt v\u00e4rde a<span class=\"__13 _b_12\"/>v den s\u00e4krade posten, tillg\u00e5ngar<span class=\"__13 _b_12\"/>/skulder (netto)<span class=\"__13 _c5_6\"> </span>-5 464<span class=\"__13 _c6_5\"> </span>-1 375<span class=\"__13 _15e\"> </span>\u00d6vrigt<span class=\"__13 _c7_5\"> </span>211<span class=\"__13 _968\"> </span>96<span class=\"__13 _15e\"> </span>Summa<span class=\"__13 _c8_6\"> </span>-7 063<span class=\"__13 _c9_6\"> </span>2 263<span class=\"__13 _15e\"> </span>F\u00f6r<span class=\"__13 _b_12\"/>\u00e4ndring av den l\u00f6pande verksamhetens tillg\u00e5ngar och skulder innef<span class=\"__13 _b_12\"/>attar tillg\u00e5ngar och skulder som ing\u00e5r i den nor-<span class=\"__13 _15e\"> </span><span class=\"__13 _15e\">mala aff\u00e4rsv</span><span class=\"__13 _898\"/>erksamheten, s\u00e5som utl\u00e5ning, inl\u00e5ning och emit-<span class=\"__13 _15e\"> </span>terade v<span class=\"__13 _898\"/>\u00e4rdepapper<span class=\"__13 _b_12\"/>. F\u00f6r<span class=\"__13 _b_12\"/>\u00e4ndringar i derivatinstrument r<span class=\"__13 _898\"/>edovi-<span class=\"__13 _15e\"> </span>sas netto. I kassafl\u00f6det fr<span class=\"__13 _b_12\"/>\u00e5n den l\u00f6pande verksamheten ing\u00e5r erh\u00e5l-<span class=\"__13 _15e\"> </span>len r\u00e4n<span class=\"__13 _898\"/>ta och betald r\u00e4n<span class=\"__13 _b_12\"/>ta med f\u00f6ljande belopp:<span class=\"__13 _15e\"> </span>Mn euro<span class=\"__13 _b9_6\"> </span>2022<span class=\"__13 _ba_6\"> </span>2021<span class=\"__13 _15e\"> </span>Erh\u00e5llen r\u00e4nta<span class=\"__13 _3a_8\"> </span>8 620<span class=\"__13 _ca_5\"> </span>5 648<span class=\"__13 _15e\"> </span>Betald r\u00e4nt<span class=\"__13 _898\"/>a<span class=\"__13 _996\"> </span>-2 948<span class=\"__13 _cb_5\"> </span>-1 032<span class=\"__13 _15e\"> </span>Inves<span class=\"__13 _b_12\"/>teringsverksamheten<span class=\"__13 _15e\"> </span>Inves<span class=\"__13 _b_12\"/>teringsverksamheten innefatt<span class=\"__13 _898\"/>ar f\u00f6rv\u00e4rv och a<span class=\"__13 _b_12\"/>vyttring av anl\u00e4ggningstillg\u00e5ngar<span class=\"__13 _b_12\"/>, \ufb01nansiella s\u00e5v<span class=\"__13 _b_12\"/>\u00e4l som materiella och immateriella.<span class=\"__13 _15e\"> </span>Finansieringsverksamheten<span class=\"__13 _15e\"> </span>Finansieringsverksamheten utg\u00f6rs a<span class=\"__13 _b_12\"/>v den verksamhet som medf\u00f6r f<span class=\"__13 _b_12\"/>\u00f6r\u00e4ndringar i eget kapital och efterst\u00e4llda skul<span class=\"__13 _898\"/>der<span class=\"__13 _b_12\"/>, som till ex<span class=\"__13 _b_12\"/>empel nyemission av ak<span class=\"__13 _b_12\"/>tier<span class=\"__13 _b_12\"/>, utdelningar och emis-<span class=\"__13 _15e\"> </span>sion/<span class=\"__13 _b_12\"/>amortering av efterst\u00e4llda sk<span class=\"__13 _b_12\"/>ulder samt kapitalandelen av leasingutbet<span class=\"__13 _898\"/>alningar<span class=\"__13 _b_12\"/>.<span class=\"__13 _15e\"> </span>Likvida medel<span class=\"__13 _15e\"> </span>F\u00f6ljande pos<span class=\"__13 _b_12\"/>ter ing\u00e5r i likvida medel:<span class=\"__13 _15e\"> </span>Mn euro<span class=\"__13 _cc_6\"> </span>31 dec 2022<span class=\"__13 _cd_5\"> </span>31 dec 2021<span class=\"__13 _15e\"> </span>Kassa och tillgodoha<span class=\"__13 _b_12\"/>vanden hos centr<span class=\"__13 _898\"/>albanker<span class=\"__13 _b5_6\"> </span>61 815<span class=\"__13 _ce_6\"> </span>47 495<span class=\"__13 _15e\"> </span>Utl\u00e5ning till centr<span class=\"__13 _898\"/>albanker<span class=\"__13 _b_12\"/>, betalbar  vid anf<span class=\"__13 _898\"/>ordran<span class=\"__13 _985\"> </span>5<span class=\"__13 _cf_5\"> </span>6<span class=\"__13 _15e\"> </span>Utl\u00e5ning till kreditinstitut, betalbar  vid anf<span class=\"__13 _898\"/>ordran<span class=\"__13 _983\"> </span>1 057<span class=\"__13 _4f_5\"> </span>1 127<span class=\"__13 _15e\"> </span>Summa<span class=\"__13 _a6_6\"> </span>62 877<span class=\"__13 _bc_5\"> </span>4<span class=\"__13 _c_12\"/>8 628<span class=\"__13 _15e\"> </span>Kassatillg\u00e5ngar om<span class=\"__13 _b_12\"/>fattar lagliga betalningsmedel inklusiv<span class=\"__13 _b_12\"/>e utl\u00e4ndska sedlar och myn<span class=\"__13 _b_12\"/>t<span class=\"__13 _c_12\"/>. Till<span class=\"__13 _898\"/>godohav<span class=\"__13 _b_12\"/>anden hos centralban-<span class=\"__13 _15e\"> </span>ker utg\u00f6rs a<span class=\"__13 _898\"/>v tillgodohav<span class=\"__13 _b_12\"/>anden p\u00e5 konton hos cen<span class=\"__13 _b_12\"/>tralbanker och postgiron i m<span class=\"__13 _b_12\"/>yndighetsform, d\u00e4r f\u00f6ljande f<span class=\"__13 _b_12\"/>\u00f6ruts\u00e4ttningar \u00e4r uppfyllda:<span class=\"__13 _15e\"> </span>\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Centr<span class=\"__13 _898\"/>albanken eller postgir<span class=\"__13 _b_12\"/>ot \u00e4r hemmah\u00f6rande i det land </span>d\u00e4r institutet \u00e4r etabler<span class=\"__13 _b_12\"/>at<span class=\"__13 _c_12\"/>.<span class=\"__13 _15e\"> </span>\u2022 <span class=\"__13 _a3_5\"> </span><span class=\"ws11_12\">Tillgodohav<span class=\"__13 _b_12\"/>andet p\u00e5 kontot kan disponer<span class=\"__13 _b_12\"/>as fritt n\u00e4r som </span>helst.<span class=\"__13 _15e\"> </span>Utl\u00e5ning till kreditinstitut, betalbar vid anf<span class=\"__13 _b_12\"/>ordran, utg\u00f6rs av likvida tillg\u00e5ngar som int<span class=\"__13 _898\"/>e utg\u00f6rs av obliga<span class=\"__13 _b_12\"/>tioner och andra r\u00e4n<span class=\"__13 _898\"/>teb\u00e4rande v<span class=\"__13 _898\"/>\u00e4rdepapper<span class=\"__13 _b_12\"/>. Utl\u00e5ning till centr<span class=\"__13 _b_12\"/>albanker<span class=\"__13 _898\"/>, betal-<span class=\"__13 _15e\"> </span>bar vid anf<span class=\"__13 _b_12\"/>ordran, innefatt<span class=\"__13 _898\"/>ar instrumen<span class=\"__13 _898\"/>t som Nordea omedel-<span class=\"__13 _15e\"> </span>bart har r\u00e4tt att s\u00e4lja vidar<span class=\"__13 _898\"/>e.<span class=\"__13 _15e\"> </span>A<span class=\"__13 _b_12\"/>vst\u00e4mning av sk<span class=\"__13 _b_12\"/>ulder h\u00e4nf\u00f6rliga till \ufb01nansieringsverksamheten<span class=\"__13 _15e\"> </span>Den ing\u00e5ende balansen p\u00e5 efterst\u00e4llda sk<span class=\"__13 _898\"/>ulder var 6 850 mn euro (6 941 mn euro<span class=\"__13 _898\"/>). Periodens kassafl\u00f6de uppgick till <span class=\"__13 _15e\">-939 mn euro (-437 mn euro) och eff</span><span class=\"__13 _b_12\"/>ekterna av v<span class=\"__13 _b_12\"/>alutakursdif<span class=\"ls0_13\">-<span class=\"__13 _15e\"> </span></span>fer<span class=\"__13 _898\"/>enser och \u00f6vrigt uppgick till -510 mn eur<span class=\"__13 _b_12\"/>o (346 mn euro), vilket ga<span class=\"__13 _898\"/>v en utg\u00e5ende balans p\u00e5 5 401 mn euro (6 850 mn euro).<span class=\"__13 _15e\"> </span>Den ing\u00e5ende balansen p\u00e5 leasingskulder var 1 1<span class=\"__13 _b_12\"/>47 mn euro (1 233 mn euro). P<span class=\"__13 _b_12\"/>eriodens kassafl\u00f6de med avseende p\u00e5 skulderna uppgick till -123 mn euro (-<span class=\"__13 _898\"/>140 mn euro<span class=\"__13 _898\"/>) och \u00f6vriga f\u00f6r<span class=\"__13 _b_12\"/>\u00e4ndringar fr\u00e5n nya, a<span class=\"__13 _b_12\"/>vslutade och modi\ufb01erade kontr<span class=\"__13 _b_12\"/>akt samt v<span class=\"__13 _898\"/><span class=\"__13 _15e\">alutakursdiff</span><span class=\"__13 _b_12\"/>erenser uppgick till 56 mn euro (54 mn euro).<span class=\"__13 _15e\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashFlowStatementExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-746": {
   "value": "K10.2   Ytterligare  upplysningar om kassafl\u00f6desanalysen Redovisningsprinciper Kassafl\u00f6desanalysen visar in- och utbetalningar av likvida  medel under \u00e5ret f\u00f6r den totala verksamheten. Nordeas kas- safl\u00f6desanalys har uppr\u00e4ttats enligt den indirekta metoden,  vilket inneb\u00e4r att r\u00f6relseresultatet har justerats f\u00f6r transaktio- ner som inte medf\u00f6r in- eller utbetalningar, till exempel  avskrivningar och kreditf\u00f6rluster. Redovisningen av kassafl\u00f6- den g\u00f6rs utifr\u00e5n kategorierna l\u00f6pande verksamhet, investe- ringsverksamhet och \ufb01nansieringsverksamhet. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForCashFlowsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-747": {
   "value": "K10.2   Ytterligare  upplysningar om kassafl\u00f6desanalysen Redovisningsprinciper Kassafl\u00f6desanalysen visar in- och utbetalningar av likvida medel under \u00e5ret f\u00f6r den totala verksamheten. Nordeas kas- safl\u00f6desanalys har uppr\u00e4ttats enligt den indirekta metoden, vilket inneb\u00e4r att r\u00f6relseresultatet har justerats f\u00f6r transaktio- ner som inte medf\u00f6r in- eller utbetalningar, till exempel avskrivningar och kreditf\u00f6rluster. Redovisningen av kassafl\u00f6- den g\u00f6rs utifr\u00e5n kategorierna l\u00f6pande verksamhet, investe- ringsverksamhet och \ufb01nansieringsverksamhet. Kassatillg\u00e5ngar omfattar lagliga betalningsmedel inklusive utl\u00e4ndska sedlar och mynt. Tillgodohavanden hos centralban- ker utg\u00f6rs av tillgodohavanden p\u00e5 konton hos centralbanker och postgiron i myndighetsform, d\u00e4r f\u00f6ljande f\u00f6ruts\u00e4ttningar \u00e4r uppfyllda: \u2022  Centralbanken eller postgirot \u00e4r hemmah\u00f6rande i det land d\u00e4r institutet \u00e4r etablerat. \u2022  Tillgodohavandet p\u00e5 kontot kan disponeras fritt n\u00e4r som helst. Utl\u00e5ning till kreditinstitut, betalbar vid anfordran, utg\u00f6rs av likvida tillg\u00e5ngar som inte utg\u00f6rs av obligationer och andra r\u00e4nteb\u00e4rande v\u00e4rdepapper. Utl\u00e5ning till centralbanker, betal- bar vid anfordran, innefattar instrument som Nordea omedel- bart har r\u00e4tt att s\u00e4lja vidare. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyToDetermineComponentsOfCashAndCashEquivalents",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-749": {
   "value": "Likvida medel F\u00f6ljande poster ing\u00e5r i likvida medel: Mn euro 31 dec 2022 31 dec 2021 Kassa och tillgodohavanden hos centralbanker 61 815 47 495 Utl\u00e5ning till centralbanker, betalbar  vid anfordran 5 6 Utl\u00e5ning till kreditinstitut, betalbar  vid anfordran 1 057 1 127 Summa 62 877 48 628 Kassatillg\u00e5ngar omfattar lagliga betalningsmedel inklusive utl\u00e4ndska sedlar och mynt. Tillgodohavanden hos centralban- ker utg\u00f6rs av tillgodohavanden p\u00e5 konton hos centralbanker och postgiron i myndighetsform, d\u00e4r f\u00f6ljande f\u00f6ruts\u00e4ttningar \u00e4r uppfyllda: \u2022  Centralbanken eller postgirot \u00e4r hemmah\u00f6rande i det land d\u00e4r institutet \u00e4r etablerat. \u2022  Tillgodohavandet p\u00e5 kontot kan disponeras fritt n\u00e4r som helst. Utl\u00e5ning till kreditinstitut, betalbar vid anfordran, utg\u00f6rs av likvida tillg\u00e5ngar som inte utg\u00f6rs av obligationer och andra r\u00e4nteb\u00e4rande v\u00e4rdepapper. Utl\u00e5ning till centralbanker, betal- bar vid anfordran, innefattar instrument som Nordea omedel- bart har r\u00e4tt att s\u00e4lja vidare. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndCashEquivalentsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-750": {
   "value": "F\u00f6rv\u00e4ntad l\u00f6ptid 31 dec 2022  F\u00f6rv\u00e4ntas \u00e5tervinnas eller regleras: 31 dec 2021  F\u00f6rv\u00e4ntas \u00e5tervinnas eller regleras: Mn euro Not Inom 12  m\u00e5nader Efter 12  m\u00e5nader Summa Inom 12  m\u00e5nader Efter 12  m\u00e5nader Summa Kassa och tillgodohavanden hos centralbanker  61 815 \u2013 61 815 47 495 \u2013 47 495 Utl\u00e5ning till centralbanker  K3.7 885 \u2013 885 409 \u2013 409 Utl\u00e5ning till kreditinstitut K3.7 3 770 803 4 573 1 411 572 1 983 Utl\u00e5ning till allm\u00e4nheten K3.7 86 656 259 087 345 743 76 607 268 443 345 050 R\u00e4nteb\u00e4rande v\u00e4rdepapper K3.8 20 697 42 827 63 524 19 963 43 420 63 383 Pantsatta \ufb01nansiella instrument K3.9 74 4 828 4 902 7 1 661 1 668 Aktier och andelar K3.10 4 147 13 777 17 924 4 943 10 274 15 217 Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal K3.11 31 776 9 869 41 645 36 125 10 787 46 912 Derivatinstrument  K3.12 7 508 29 070 36 578 5 029 25 171 30 200 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer K3.6 -2 094 -22 -2 116 -95 30 -65 Aktier och andelar i intressef\u00f6retag och joint ventures K9.3 \u2013 509 509 \u2013 207 207 Immateriella tillg\u00e5ngar K5.1 23 4 021 4 044 5 3 779 3 784 Materiella tillg\u00e5ngar K5.2 140 1 533 1 673 132 1 613 1 745 F\u00f6rvaltningsfastigheter K5.3 \u2013 2 455 2 455 0 1 764 1 764 Uppskjutna skattefordringar K2.10 13 152 165 11 207 218 Aktuella skattefordringar K2.10 211 \u2013 211 272 \u2013 272 Pensionstillg\u00e5ngar K8.2 \u2013 165 165 \u2013 221 221 \u00d6vriga tillg\u00e5ngar 2 380 7 000 9 380 1 373 7 457 8 830 F\u00f6rutbetalda kostnader och upplupna int\u00e4kter 590 179 769 801 79 880 Tillg\u00e5ngar som innehas f\u00f6r f\u00f6rs\u00e4ljning K9.5 \u2013 \u2013 \u2013 180 \u2013 180 Summa tillg\u00e5ngar 218 591 376 253 594 844 194 668 375 685 570 353 Skulder till kreditinstitut K3.13 27 373 5 496 32 869 13 480 13 481 26 961 In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten K3.14 213 478 3 986 217 464 200 554 5 247 205 801 Inl\u00e5ning i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal K3.11 12 067 30 709 42 776 2 865 45 336 48 201 Skulder till f\u00f6rs\u00e4kringstagare K4 3 134 24 464 27 598 4 564 15 031 19 595 Emitterade v\u00e4rdepapper  K3.15 75 486 104 317 179 803 67 151 109 214 176 365 Derivatinstrument  K3.12 7 883 32 219 40 102 4 757 26 728 31 485 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer   K3.6 -2 175 \u2013 -2 175 57 44 101 Aktuella skatteskulder K2.10 303 \u2013 303 354 \u2013 354 \u00d6vriga skulder1 K3.16 3 175 13 629 16 804 6 790 11 695 18 485 Upplupna kostnader och f\u00f6rutbetalda int\u00e4kter 1 162 62 1 224 1 210 124 1 334 Uppskjutna skatteskulder K2.10 143 479 622 64 471 535 Avs\u00e4ttningar K6 97 254 351 88 326 414 Pensionsskulder K8.2 \u2013 298 298 \u2013 369 369 Efterst\u00e4llda skulder K3.17 215 5 186 5 401 965 5 885 6 850 Summa skulder  342 341 221 099 563 440 302 899 233 951 536 850 1)  Varav leasingskulder  98 982 1 080 101 1 046 1 147 ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherNoncurrentAssetsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-751": {
   "value": "F\u00f6rv\u00e4ntad l\u00f6ptid 31 dec 2022  F\u00f6rv\u00e4ntas \u00e5tervinnas eller regleras: 31 dec 2021  F\u00f6rv\u00e4ntas \u00e5tervinnas eller regleras: Mn euro Not Inom 12  m\u00e5nader Efter 12  m\u00e5nader Summa Inom 12  m\u00e5nader Efter 12  m\u00e5nader Summa Kassa och tillgodohavanden hos centralbanker  61 815 \u2013 61 815 47 495 \u2013 47 495 Utl\u00e5ning till centralbanker  K3.7 885 \u2013 885 409 \u2013 409 Utl\u00e5ning till kreditinstitut K3.7 3 770 803 4 573 1 411 572 1 983 Utl\u00e5ning till allm\u00e4nheten K3.7 86 656 259 087 345 743 76 607 268 443 345 050 R\u00e4nteb\u00e4rande v\u00e4rdepapper K3.8 20 697 42 827 63 524 19 963 43 420 63 383 Pantsatta \ufb01nansiella instrument K3.9 74 4 828 4 902 7 1 661 1 668 Aktier och andelar K3.10 4 147 13 777 17 924 4 943 10 274 15 217 Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal K3.11 31 776 9 869 41 645 36 125 10 787 46 912 Derivatinstrument  K3.12 7 508 29 070 36 578 5 029 25 171 30 200 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer K3.6 -2 094 -22 -2 116 -95 30 -65 Aktier och andelar i intressef\u00f6retag och joint ventures K9.3 \u2013 509 509 \u2013 207 207 Immateriella tillg\u00e5ngar K5.1 23 4 021 4 044 5 3 779 3 784 Materiella tillg\u00e5ngar K5.2 140 1 533 1 673 132 1 613 1 745 F\u00f6rvaltningsfastigheter K5.3 \u2013 2 455 2 455 0 1 764 1 764 Uppskjutna skattefordringar K2.10 13 152 165 11 207 218 Aktuella skattefordringar K2.10 211 \u2013 211 272 \u2013 272 Pensionstillg\u00e5ngar K8.2 \u2013 165 165 \u2013 221 221 \u00d6vriga tillg\u00e5ngar 2 380 7 000 9 380 1 373 7 457 8 830 F\u00f6rutbetalda kostnader och upplupna int\u00e4kter 590 179 769 801 79 880 Tillg\u00e5ngar som innehas f\u00f6r f\u00f6rs\u00e4ljning K9.5 \u2013 \u2013 \u2013 180 \u2013 180 Summa tillg\u00e5ngar 218 591 376 253 594 844 194 668 375 685 570 353 Skulder till kreditinstitut K3.13 27 373 5 496 32 869 13 480 13 481 26 961 In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten K3.14 213 478 3 986 217 464 200 554 5 247 205 801 Inl\u00e5ning i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal K3.11 12 067 30 709 42 776 2 865 45 336 48 201 Skulder till f\u00f6rs\u00e4kringstagare K4 3 134 24 464 27 598 4 564 15 031 19 595 Emitterade v\u00e4rdepapper  K3.15 75 486 104 317 179 803 67 151 109 214 176 365 Derivatinstrument  K3.12 7 883 32 219 40 102 4 757 26 728 31 485 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer   K3.6 -2 175 \u2013 -2 175 57 44 101 Aktuella skatteskulder K2.10 303 \u2013 303 354 \u2013 354 \u00d6vriga skulder1 K3.16 3 175 13 629 16 804 6 790 11 695 18 485 Upplupna kostnader och f\u00f6rutbetalda int\u00e4kter 1 162 62 1 224 1 210 124 1 334 Uppskjutna skatteskulder K2.10 143 479 622 64 471 535 Avs\u00e4ttningar K6 97 254 351 88 326 414 Pensionsskulder K8.2 \u2013 298 298 \u2013 369 369 Efterst\u00e4llda skulder K3.17 215 5 186 5 401 965 5 885 6 850 Summa skulder  342 341 221 099 563 440 302 899 233 951 536 850 1)  Varav leasingskulder  98 982 1 080 101 1 046 1 147 ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherNoncurrentLiabilitiesExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-752": {
   "value": "F\u00f6rv\u00e4ntad l\u00f6ptid 31 dec 2022  F\u00f6rv\u00e4ntas \u00e5tervinnas eller regleras: 31 dec 2021  F\u00f6rv\u00e4ntas \u00e5tervinnas eller regleras: Mn euro Not Inom 12  m\u00e5nader Efter 12  m\u00e5nader Summa Inom 12  m\u00e5nader Efter 12  m\u00e5nader Summa Kassa och tillgodohavanden hos centralbanker  61 815 \u2013 61 815 47 495 \u2013 47 495 Utl\u00e5ning till centralbanker  K3.7 885 \u2013 885 409 \u2013 409 Utl\u00e5ning till kreditinstitut K3.7 3 770 803 4 573 1 411 572 1 983 Utl\u00e5ning till allm\u00e4nheten K3.7 86 656 259 087 345 743 76 607 268 443 345 050 R\u00e4nteb\u00e4rande v\u00e4rdepapper K3.8 20 697 42 827 63 524 19 963 43 420 63 383 Pantsatta \ufb01nansiella instrument K3.9 74 4 828 4 902 7 1 661 1 668 Aktier och andelar K3.10 4 147 13 777 17 924 4 943 10 274 15 217 Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal K3.11 31 776 9 869 41 645 36 125 10 787 46 912 Derivatinstrument  K3.12 7 508 29 070 36 578 5 029 25 171 30 200 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer K3.6 -2 094 -22 -2 116 -95 30 -65 Aktier och andelar i intressef\u00f6retag och joint ventures K9.3 \u2013 509 509 \u2013 207 207 Immateriella tillg\u00e5ngar K5.1 23 4 021 4 044 5 3 779 3 784 Materiella tillg\u00e5ngar K5.2 140 1 533 1 673 132 1 613 1 745 F\u00f6rvaltningsfastigheter K5.3 \u2013 2 455 2 455 0 1 764 1 764 Uppskjutna skattefordringar K2.10 13 152 165 11 207 218 Aktuella skattefordringar K2.10 211 \u2013 211 272 \u2013 272 Pensionstillg\u00e5ngar K8.2 \u2013 165 165 \u2013 221 221 \u00d6vriga tillg\u00e5ngar 2 380 7 000 9 380 1 373 7 457 8 830 F\u00f6rutbetalda kostnader och upplupna int\u00e4kter 590 179 769 801 79 880 Tillg\u00e5ngar som innehas f\u00f6r f\u00f6rs\u00e4ljning K9.5 \u2013 \u2013 \u2013 180 \u2013 180 Summa tillg\u00e5ngar 218 591 376 253 594 844 194 668 375 685 570 353 Skulder till kreditinstitut K3.13 27 373 5 496 32 869 13 480 13 481 26 961 In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten K3.14 213 478 3 986 217 464 200 554 5 247 205 801 Inl\u00e5ning i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal K3.11 12 067 30 709 42 776 2 865 45 336 48 201 Skulder till f\u00f6rs\u00e4kringstagare K4 3 134 24 464 27 598 4 564 15 031 19 595 Emitterade v\u00e4rdepapper  K3.15 75 486 104 317 179 803 67 151 109 214 176 365 Derivatinstrument  K3.12 7 883 32 219 40 102 4 757 26 728 31 485 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer   K3.6 -2 175 \u2013 -2 175 57 44 101 Aktuella skatteskulder K2.10 303 \u2013 303 354 \u2013 354 \u00d6vriga skulder1 K3.16 3 175 13 629 16 804 6 790 11 695 18 485 Upplupna kostnader och f\u00f6rutbetalda int\u00e4kter 1 162 62 1 224 1 210 124 1 334 Uppskjutna skatteskulder K2.10 143 479 622 64 471 535 Avs\u00e4ttningar K6 97 254 351 88 326 414 Pensionsskulder K8.2 \u2013 298 298 \u2013 369 369 Efterst\u00e4llda skulder K3.17 215 5 186 5 401 965 5 885 6 850 Summa skulder  342 341 221 099 563 440 302 899 233 951 536 850 1)  Varav leasingskulder  98 982 1 080 101 1 046 1 147 ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherCurrentLiabilitiesExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-753": {
   "value": "F\u00f6rv\u00e4ntad l\u00f6ptid 31 dec 2022  F\u00f6rv\u00e4ntas \u00e5tervinnas eller regleras: 31 dec 2021  F\u00f6rv\u00e4ntas \u00e5tervinnas eller regleras: Mn euro Not Inom 12  m\u00e5nader Efter 12  m\u00e5nader Summa Inom 12  m\u00e5nader Efter 12  m\u00e5nader Summa Kassa och tillgodohavanden hos centralbanker  61 815 \u2013 61 815 47 495 \u2013 47 495 Utl\u00e5ning till centralbanker  K3.7 885 \u2013 885 409 \u2013 409 Utl\u00e5ning till kreditinstitut K3.7 3 770 803 4 573 1 411 572 1 983 Utl\u00e5ning till allm\u00e4nheten K3.7 86 656 259 087 345 743 76 607 268 443 345 050 R\u00e4nteb\u00e4rande v\u00e4rdepapper K3.8 20 697 42 827 63 524 19 963 43 420 63 383 Pantsatta \ufb01nansiella instrument K3.9 74 4 828 4 902 7 1 661 1 668 Aktier och andelar K3.10 4 147 13 777 17 924 4 943 10 274 15 217 Tillg\u00e5ngar i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal K3.11 31 776 9 869 41 645 36 125 10 787 46 912 Derivatinstrument  K3.12 7 508 29 070 36 578 5 029 25 171 30 200 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer K3.6 -2 094 -22 -2 116 -95 30 -65 Aktier och andelar i intressef\u00f6retag och joint ventures K9.3 \u2013 509 509 \u2013 207 207 Immateriella tillg\u00e5ngar K5.1 23 4 021 4 044 5 3 779 3 784 Materiella tillg\u00e5ngar K5.2 140 1 533 1 673 132 1 613 1 745 F\u00f6rvaltningsfastigheter K5.3 \u2013 2 455 2 455 0 1 764 1 764 Uppskjutna skattefordringar K2.10 13 152 165 11 207 218 Aktuella skattefordringar K2.10 211 \u2013 211 272 \u2013 272 Pensionstillg\u00e5ngar K8.2 \u2013 165 165 \u2013 221 221 \u00d6vriga tillg\u00e5ngar 2 380 7 000 9 380 1 373 7 457 8 830 F\u00f6rutbetalda kostnader och upplupna int\u00e4kter 590 179 769 801 79 880 Tillg\u00e5ngar som innehas f\u00f6r f\u00f6rs\u00e4ljning K9.5 \u2013 \u2013 \u2013 180 \u2013 180 Summa tillg\u00e5ngar 218 591 376 253 594 844 194 668 375 685 570 353 Skulder till kreditinstitut K3.13 27 373 5 496 32 869 13 480 13 481 26 961 In- och uppl\u00e5ning fr\u00e5n allm\u00e4nheten K3.14 213 478 3 986 217 464 200 554 5 247 205 801 Inl\u00e5ning i placeringsportf\u00f6ljer och fondf\u00f6rs\u00e4kringsavtal K3.11 12 067 30 709 42 776 2 865 45 336 48 201 Skulder till f\u00f6rs\u00e4kringstagare K4 3 134 24 464 27 598 4 564 15 031 19 595 Emitterade v\u00e4rdepapper  K3.15 75 486 104 317 179 803 67 151 109 214 176 365 Derivatinstrument  K3.12 7 883 32 219 40 102 4 757 26 728 31 485 F\u00f6r\u00e4ndring av verkligt v\u00e4rde f\u00f6r r\u00e4ntes\u00e4krade poster i s\u00e4kringsportf\u00f6ljer   K3.6 -2 175 \u2013 -2 175 57 44 101 Aktuella skatteskulder K2.10 303 \u2013 303 354 \u2013 354 \u00d6vriga skulder1 K3.16 3 175 13 629 16 804 6 790 11 695 18 485 Upplupna kostnader och f\u00f6rutbetalda int\u00e4kter 1 162 62 1 224 1 210 124 1 334 Uppskjutna skatteskulder K2.10 143 479 622 64 471 535 Avs\u00e4ttningar K6 97 254 351 88 326 414 Pensionsskulder K8.2 \u2013 298 298 \u2013 369 369 Efterst\u00e4llda skulder K3.17 215 5 186 5 401 965 5 885 6 850 Summa skulder  342 341 221 099 563 440 302 899 233 951 536 850 1)  Varav leasingskulder  98 982 1 080 101 1 046 1 147 ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherCurrentAssetsExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-755": {
   "value": "K10.4  Transaktioner med n\u00e4rst\u00e5ende Redovisningsprinciper N\u00e4rst\u00e5ende N\u00e4rst\u00e5ende \u00e4r en person eller ett f\u00f6retag med en n\u00e4ra relation  till Nordea. N\u00e4rst\u00e5ende parter delas in i f\u00f6ljande kategorier: \u2022  Aktie\u00e4gare med betydande inflytande \u2022  Intressef\u00f6retag och joint ventures \u2022  Nyckelpersoner i ledande positioner \u2022  \u00d6vriga n\u00e4rst\u00e5ende parter. Aktie\u00e4gare med betydande inflytande Aktie\u00e4gare med betydande inflytande \u00e4r aktie\u00e4gare som har r\u00e4tt att delta i beslut som r\u00f6r Nordeas \ufb01nansiella och operativa stra- tegier, men som inte har ett best\u00e4mmande inflytande \u00f6ver dessa. Intressef\u00f6retag och joint ventures En de\ufb01nition av termen intressef\u00f6retag och joint venture \ufb01nns i not K9.3 \u201dAktier och andelar i intressef\u00f6retag och joint ventures\u201d. Nyckelpersoner i ledande positioner Nyckelpersoner i ledande positioner \u00e4r de personer som har  befogenhet och ansvar f\u00f6r planering, ledning och styrning av  f\u00f6retagets verksamhet, direkt eller indirekt, d\u00e4ribland f\u00f6reta- gets styrelse.  \u00d6vriga n\u00e4rst\u00e5ende parter \u00d6vriga n\u00e4rst\u00e5ende parter utg\u00f6rs av dotterf\u00f6retag till aktie- \u00e4gare med betydande inflytande, n\u00e4ra anh\u00f6riga till nyckel- personer i ledande positioner och bolag som kontrolleras  eller gemensamt kontrolleras av nyckelpersoner i ledande  positioner eller av n\u00e4ra anh\u00f6riga till dessa nyckelpersoner. Transaktioner med n\u00e4rst\u00e5ende En transaktion med n\u00e4rst\u00e5ende de\ufb01nieras som en \u00f6verf\u00f6ring  av resurser, tj\u00e4nster eller f\u00f6rpliktelser mellan Nordea och en  n\u00e4rst\u00e5ende part, oavsett om dessa debiteras eller inte. Se \u00e4ven Redovisningsprinciper i not K8.4 \u201dErs\u00e4ttning till  nyckelpersoner i ledande positioner\u201d . ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTransactionsWithRelatedPartiesExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-757": {
   "value": "K10.7   H\u00e4ndelser  efter r\u00e4kenskapsperiodens slut Aktie\u00e5terk\u00f6p och ogiltigf\u00f6rklarade aktier Efter den 31 december 2022 har Nordea k\u00f6pt ytterligare  25 740 252 aktier, vilket motsvarar en minskning av balanse- rade vinstmedel med 279 897 341,84 euro, inom ramen f\u00f6r det  tredje aktie\u00e5terk\u00f6psprogrammet som p\u00e5b\u00f6rjades 20 juli 2022  och ska avslutas senast 29 mars 2023. I januari och februari ogiltigf\u00f6rklarades sammanlagt  11 925 310 respektive 14 760 027 egna aktier som innehafts  f\u00f6r kapitaloptimerings\u00e4ndam\u00e5l och som f\u00f6rv\u00e4rvats genom  aktie\u00e5terk\u00f6p. Efter ogiltigf\u00f6rklaringen uppg\u00e5r det totala anta- let aktier i Nordea till 3 627 595 959 aktier.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEventsAfterReportingPeriodExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-759": {
   "value": "K11 <span class=\"__14 _1065\"> </span>Risk<span class=\"__14 _1058\"/>- och likviditetshan<span class=\"__14 _1058\"/>t<span class=\"__14 _1058\"/>ering<span class=\"__14 _1ce\"> </span>1. Riskstyrning<span class=\"__14 _1066\"/><span class=\"ff2_14 fs4_13 ls2_13 ws4_13\">...........................................................</span><span class=\"ls3_13 ws5_13\"><span class=\"__14 _1ce\">195</span></span> <span class=\"__14 _a_13\"> </span>1.<span class=\"__14 _b_13\"/>1. <span class=\"__14 _c_13\"> </span>Ramverk f<span class=\"__14 _b_13\"/>\u00f6r intern kon<span class=\"__14 _1058\"/>troll<span class=\"__14 _1ce\"> </span>.................................<span class=\"__14 _1066\"/><span class=\"fs3_13 ls4_13 ws6_13\"><span class=\"__14 _1ce\">195</span></span> <span class=\"__14 _a_13\"> </span>1.2. <span class=\"__14 _a_13\"> </span> <span class=\"__14 _d_13\"/>Beslutsfa<span class=\"__14 _b_13\"/>ttande organ f\u00f6r risk<span class=\"__14 _b_13\"/>-, likviditets- och kapitalhan<span class=\"__14 _1058\"/>tering<span class=\"__14 _1ce\"> </span>..........................<span class=\"fs3_13 ls0_14 ws0_14\">196</span> <span class=\"__14 _a_13\"> </span>1.3. <span class=\"__14 _e_13\"> </span>Styrning av riskhan<span class=\"__14 _b_13\"/>tering och regelefterlevnad<span class=\"__14 _1ce\"> </span>......<span class=\"fs3_13 ls4_13 ws6_13\"><span class=\"__14 _1ce\">19</span><span class=\"__14 _1066\"/><span class=\"__14 _1ce\">6</span></span> <span class=\"__14 _a_13\"> </span>1.4. <span class=\"__14 _f_13\"> </span> <span class=\"__14 _d_13\"/>Upplysningskra<span class=\"__14 _1058\"/>v enligt kapitalt\u00e4cknings-<span class=\"__14 _1ce\"> </span>f\u00f6r<span class=\"__14 _1058\"/>ordningen \u2013 Nordeas kapital<span class=\"__14 _b_13\"/>- och  <span class=\"__14 _1067\"/>riskhanterings-<span class=\"__14 _1ce\"> </span>rapport 2022 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . <span class=\"__14 _1068\"> </span><span class=\"fs3_13 ls4_13 ws6_13\"><span class=\"__14 _1ce\">197<span class=\"__14 _1ce\"> </span></span></span>2. Kreditrisk...............................................................<span class=\"__14 _1069\"/><span class=\"ff1_14 fs3_13 ls6_13 ws8_13\"><span class=\"__14 _1ce\">198</span></span> <span class=\"__14 _a_13\"> </span>2.<span class=\"__14 _b_13\"/>1. <span class=\"__14 _1070\"> </span>De\ufb01nition och identi\ufb01ering a<span class=\"__14 _b_13\"/>v kreditrisk ...............<span class=\"fs3_13 ls4_13 ws6_13\"><span class=\"__14 _1ce\">19</span><span class=\"__14 _1066\"/><span class=\"__14 _1ce\">8</span></span> <span class=\"__14 _a_13\"> </span>2.2. <span class=\"__14 _f_13\"> </span>Begr<span class=\"__14 _b_13\"/>\u00e4nsning av kreditrisk...................................<span class=\"fs3_13 ls4_13 ws6_13\"><span class=\"__14 _1ce\">19</span><span class=\"__14 _1066\"/><span class=\"__14 _1ce\">9</span></span><span class=\"ls0_14 ws0_14\"> </span> <span class=\"__14 _a_13\"> </span>2.3. <span class=\"__14 _1071\"> </span>F\u00f6r<span class=\"__14 _1058\"/>delning av s\u00e4k<span class=\"__14 _b_13\"/>erheter<span class=\"fs4_13 ls2_13 wsa_13\"> ...................................<span class=\"__14 _1072\"/></span><span class=\"ls4_13 ws6_13\"><span class=\"__14 _1ce\">19</span><span class=\"__14 _1072\"/><span class=\"__14 _1ce\">9</span></span> <span class=\"__14 _a_13\"> </span>2.4. <span class=\"__14 _1073\"> </span>Tillg\u00e5ngar \u00f6vertagna f<span class=\"__14 _b_13\"/>\u00f6r skyddande av for<span class=\"__14 _b_13\"/>dran .....<span class=\"__14 _1069\"/><span class=\"fs3_13 ls7_13 wsc_13\"><span class=\"__14 _1ce\">200</span></span> <span class=\"__14 _1068\"/>2.5. Bel\u00e5ningsgrad<span class=\"__14 _1ce\"> </span>..................................................<span class=\"__14 _1069\"/><span class=\"fs3_13 ls7_13 wsc_13\"><span class=\"__14 _1ce\">200</span></span> <span class=\"__14 _a_13\"> </span>2.6. <span class=\"__14 _1073\"> </span> <span class=\"__14 _d_13\"/>Individuell och modellbaserad pr\u00f6vning <span class=\"__14 _a_13\"> </span> <span class=\"__14 _1074\"> </span>av nedskrivningsbeho<span class=\"__14 _b_13\"/>v<span class=\"__14 _1ce\"> </span>......................................<span class=\"__14 _1069\"/><span class=\"fs3_13 ls7_13 wsc_13\"><span class=\"__14 _1ce\">200</span></span> <span class=\"__14 _a_13\"> </span>2.7<span class=\"__14 _b_13\"/>. <span class=\"__14 _e_13\"> </span>F\u00f6rmildrande kreditvillk<span class=\"__14 _b_13\"/>or<span class=\"__14 _1ce\"> </span>..................................<span class=\"fs3_13 ls7_13 wsc_13\"><span class=\"__14 _1ce\">201</span></span> <span class=\"__14 _1075\"> </span>2.8. K\u00e4nsligheter ....................................................<span class=\"fs3_13 ls7_13 wsc_13\"><span class=\"__14 _1ce\">201</span></span> <span class=\"__14 _a_13\"> </span>2.9. <span class=\"__14 _1073\"> </span>Fr<span class=\"__14 _b_13\"/>am\u00e5tblickande informa<span class=\"__14 _b_13\"/>tion<span class=\"__14 _1ce\"> </span>..............................<span class=\"__14 _b_13\"/><span class=\"fs3_13 ls8_13 ws10_13\"><span class=\"__14 _1ce\">202</span><span class=\"fs4_13 ls0_14 ws0_14\"> </span></span> <span class=\"__14 _1076\"> </span>2.<span class=\"__14 _b_13\"/>10. Kreditportf\u00f6lj<span class=\"fs4_13 ls2_13 ws12_13\"> ...................................................<span class=\"__14 _b_13\"/><span class=\"fs3_13 ls7_13 wsc_13\"><span class=\"__14 _1ce\">207</span></span></span> <span class=\"__14 _a_13\"> </span>2.<span class=\"__14 _b_13\"/>11. <span class=\"__14 _1a_10\"> </span>Utl\u00e5ning till f\u00f6r<span class=\"__14 _1058\"/>etagskunder<span class=\"__14 _1ce\"> </span>................................<span class=\"__14 _b_13\"/><span class=\"fs3_13 ls7_13 wsc_13\"><span class=\"__14 _1ce\">207</span></span> <span class=\"__14 _a_13\"> </span>2.<span class=\"__14 _b_13\"/>12. <span class=\"__14 _1b_10\"> </span>Utl\u00e5ning till privatk<span class=\"__14 _b_13\"/>under ...................................<span class=\"__14 _b_13\"/><span class=\"fs3_13 ls7_13 wsc_13\"><span class=\"__14 _1ce\">207</span></span> <span class=\"__14 _a_13\"> </span>2.<span class=\"__14 _b_13\"/>13.  Geogra\ufb01sk f\u00f6rdelning<span class=\"__14 _1ce\"> </span>........................................<span class=\"__14 _1066\"/><span class=\"fs3_13 ls9_13 ws14_13\"><span class=\"__14 _1ce\">216</span></span> <span class=\"__14 _1076\"> </span>2.<span class=\"__14 _b_13\"/>1<span class=\"__14 _b_13\"/>4. Kundklassi\ufb01cering ............................................<span class=\"__14 _1066\"/><span class=\"fs3_13 ls9_13 ws14_13\"><span class=\"__14 _1ce\">216</span></span> <span class=\"__14 _a_13\"> </span>2.<span class=\"__14 _b_13\"/>15.  Os\u00e4kra l\u00e5nefordringar (ka<span class=\"__14 _b_13\"/>tegori 3) ......................<span class=\"__14 _1066\"/><span class=\"fs3_13 ls4_13 ws6_13\"><span class=\"__14 _1ce\">219</span></span> <span class=\"__14 _a_13\"> </span>2.<span class=\"__14 _b_13\"/>16.  F<span class=\"__14 _b_13\"/>\u00f6rfallna l\u00e5nefordringar<span class=\"__14 _1ce\"> </span>.....................................<span class=\"__14 _1066\"/><span class=\"fs3_13 ls4_13 ws6_13\"><span class=\"__14 _1ce\">219</span></span> <span class=\"__14 _1a_10\"> </span>2.<span class=\"__14 _b_13\"/>17<span class=\"__14 _b_13\"/>. Reserver..........................................................<span class=\"__14 _1066\"/><span class=\"fs3_13 ls4_13 ws6_13\"><span class=\"__14 _1ce\">219</span></span> <span class=\"__14 _1076\"> </span>2.<span class=\"__14 _b_13\"/>18. Kreditf\u00f6rlus<span class=\"__14 _1058\"/>ter<span class=\"__14 _1ce\"> </span>..................................................<span class=\"__14 _1066\"/><span class=\"fs3_13 ls4_13 ws6_13\"><span class=\"__14 _1ce\">219<span class=\"__14 _1ce\"> </span></span></span>3. Motpartskreditrisk .................................................<span class=\"__14 _b_13\"/><span class=\"ff1_14 fs3_13 lsa_13 ws1c_12\"><span class=\"__14 _1ce\">223<span class=\"__14 _1ce\"> </span></span></span>4. Marknadsrisk<span class=\"__14 _1ce\"> </span>.........................................................<span class=\"__14 _b_13\"/><span class=\"ff1_14 fs3_13 lsa_13 ws1c_12\"><span class=\"__14 _1ce\">223</span></span> <span class=\"__14 _a_13\"> </span>4.<span class=\"__14 _b_13\"/>1. <span class=\"__14 _e_13\"> </span>Handelsrelaterad marknadsrisk ..........................<span class=\"__14 _b_13\"/><span class=\"fs3_13 lsb_13 ws1f_10\"><span class=\"__14 _1ce\">223</span></span> <span class=\"__14 _a_13\"> </span>4.2. <span class=\"__14 _1073\"> </span>Ej handelsrelater<span class=\"__14 _b_13\"/>ad marknadsrisk .......................<span class=\"__14 _b_13\"/><span class=\"fs3_13 lsb_13 ws1f_10\"><span class=\"__14 _1ce\">223</span></span> <span class=\"__14 _a_13\"> </span>4.3. <span class=\"__14 _1073\"> </span>M\u00e4tning a<span class=\"__14 _b_13\"/>v marknadsrisk<span class=\"__14 _1ce\"> </span>...................................<span class=\"__14 _1c_10\"/><span class=\"fs3_13 lsb_13 ws1f_10\"><span class=\"__14 _1ce\">224</span></span> <span class=\"__14 _1075\"> </span>4.4. Marknadsriskanalys ..........................................<span class=\"__14 _b_13\"/><span class=\"fs3_13 lsc_13 ws23_10\"><span class=\"__14 _1ce\">225</span></span> <span class=\"__14 _a_13\"> </span>4.5. <span class=\"__14 _1073\"> </span>Struk<span class=\"__14 _b_13\"/>turell r\u00e4ntenett<span class=\"__14 _1058\"/>orisk (SIIR)/ <span class=\"__14 _a_13\"> </span> <span class=\"__14 _1074\"> </span>ekonomiskt v<span class=\"__14 _b_13\"/>\u00e4rde (EV) ......................................<span class=\"__14 _1c_10\"/><span class=\"fs3_13 ls7_13 wsc_13\"><span class=\"__14 _1ce\">2</span><span class=\"__14 _1072\"/><span class=\"__14 _1ce\">26</span></span> <span class=\"__14 _a_13\"> </span>4.6. <span class=\"__14 _1076\"> </span>\u00d6vrig marknadsrisk \u2013 pensionsrisk ......................<span class=\"__14 _1c_10\"/><span class=\"fs3_13 ls7_13 wsc_13\"><span class=\"__14 _1ce\">2</span><span class=\"__14 _1072\"/><span class=\"__14 _1ce\">26<span class=\"__14 _1ce\"> </span></span></span>5. Operativ risk ..........................................................<span class=\"__14 _1c_10\"/><span class=\"ff1_14 fs3_13 lsa_13 ws1c_12\"><span class=\"__14 _1ce\">226</span></span> <span class=\"__14 _a_13\"> </span>5.<span class=\"__14 _b_13\"/>1. <span class=\"__14 _a_13\"> </span>Hantering av oper<span class=\"__14 _b_13\"/>ativ risk ..................................<span class=\"__14 _1c_10\"/><span class=\"fs3_13 ls7_13 wsc_13\"><span class=\"__14 _1ce\">2</span><span class=\"__14 _1072\"/><span class=\"__14 _1ce\">26</span></span> <span class=\"__14 _a_13\"> </span>5.2. <span class=\"__14 _1071\"> </span>Hantering a<span class=\"__14 _b_13\"/>v risker i den \ufb01nansiella   <span class=\"__14 _1d_10\"> </span>rapporteringen<span class=\"__14 _1ce\"> </span>.................................................<span class=\"fs3_13 lsd_12 ws2a_7\"><span class=\"__14 _1ce\">227<span class=\"__14 _1ce\"> </span></span></span>6. Regelefterle<span class=\"__14 _b_13\"/>vnadsrisk<span class=\"__14 _1ce\"> </span>.............................................<span class=\"__14 _b_13\"/><span class=\"ff1_14 fs3_13 lsa_13 ws1c_12\"><span class=\"__14 _1ce\">227</span></span> <span class=\"__14 _a_13\"> </span>6.<span class=\"__14 _b_13\"/>1. <span class=\"__14 _e_13\"> </span>Bek\u00e4mpning av ekobro<span class=\"__14 _b_13\"/>tt<span class=\"__14 _1ce\"> </span>....................................<span class=\"__14 _1c_10\"/><span class=\"fs3_13 lse_12 ws2c_7\"><span class=\"__14 _1ce\">228<span class=\"__14 _1ce\"> </span></span></span>7<span class=\"__14 _b_13\"/>. <span class=\"__14 _1066\"/> <span class=\"__14 _1067\"/>Livf\u00f6rs\u00e4kringsrisk och marknadsrisk inom Life &amp; P<span class=\"__14 _b_13\"/>ension ................................................<span class=\"__14 _1c_10\"/><span class=\"ff1_14 fs3_13 lsa_13 ws1c_12\"><span class=\"__14 _1ce\">229<span class=\"__14 _1ce\"> </span></span></span>8. Likviditetsrisk ........................................................<span class=\"__14 _1c_10\"/><span class=\"ff1_14 fs3_13 lsa_13 ws1c_12\"><span class=\"__14 _1ce\">229</span></span> <span class=\"__14 _a_13\"> </span>8.<span class=\"__14 _b_13\"/>1. <span class=\"__14 _e_13\"> </span>De\ufb01nition och identi\ufb01ering a<span class=\"__14 _b_13\"/>v likviditetsrisk ..........<span class=\"__14 _1c_10\"/><span class=\"fs3_13 lsf_12 ws31_6\"><span class=\"__14 _1ce\">229</span></span> <span class=\"__14 _a_13\"> </span>8.2. <span class=\"__14 _1073\"> </span>Ledningsprinciper och kon<span class=\"__14 _b_13\"/>troll<span class=\"__14 _1ce\"> </span>............................<span class=\"__14 _1c_10\"/><span class=\"fs3_13 lsf_12 ws31_6\"><span class=\"__14 _1ce\">229</span></span> <span class=\"__14 _a_13\"> </span>8.3. <span class=\"__14 _1076\"> </span>Strategi f\u00f6r han<span class=\"__14 _b_13\"/>tering av likviditetsrisk .................<span class=\"__14 _1c_10\"/><span class=\"fs3_13 lsf_12 ws31_6\"><span class=\"__14 _1ce\">229</span></span> <span class=\"__14 _a_13\"> </span>8.4. <span class=\"__14 _1076\"> </span>M\u00e4tning a<span class=\"__14 _b_13\"/>v likviditetsrisk ...................................<span class=\"__14 _1c_10\"/><span class=\"fs3_13 ls10_12 ws34_6\"><span class=\"__14 _1ce\">230</span></span> <span class=\"__14 _a_13\"> </span>8.5. <span class=\"__14 _1076\"> </span>Analys av likviditetsrisk......................................<span class=\"__14 _1c_10\"/><span class=\"fs3_13 ls10_12 ws34_6\"><span class=\"__14 _1ce\">230<span class=\"__14 _1ce\"> </span></span></span>1. Riskstyrning<span class=\"__14 _1ce\"> </span>Att uppr\u00e4tth\u00e5lla riskmedv<span class=\"__14 _b_13\"/>etenheten i organisationen \u00e4r en<span class=\"__14 _1ce\"> </span>integr<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">erad del av Nordeas aff</span><span class=\"__14 _b_13\"/>\u00e4rsstrategi. Nordea har ty<span class=\"__14 _b_13\"/>dliga<span class=\"__14 _1ce\"> </span>ramv<span class=\"__14 _1058\"/>erk f\u00f6r sin risk<span class=\"__14 _b_13\"/>- och likviditetshantering med bland annat<span class=\"__14 _1ce\"> </span>policyer och instruk<span class=\"__14 _b_13\"/>tioner f\u00f6r olika typer av risk, kapital<span class=\"__14 _b_13\"/>t\u00e4ck-<span class=\"__14 _1ce\"> </span>ning och kapitalstruk<span class=\"__14 _b_13\"/>tur.<span class=\"__14 _1ce\"> </span>Det os\u00e4kra l\u00e4get och den snabba geopolitiska utvecklingen<span class=\"__14 _1ce\"> </span>medf\u00f6r risk<span class=\"__14 _1058\"/>er i fr\u00e5ga om de ek<span class=\"__14 _1058\"/>onomiska utsikterna. Ex<span class=\"__14 _b_13\"/>empel<span class=\"__14 _1ce\"> </span>\u00e4r kriget i Ukraina, Kinas nolltoler<span class=\"__14 _b_13\"/>ans mot covid-19 i kombina<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>tion med nedg\u00e5ngen p\u00e5 den kinesiska fas<span class=\"__14 _b_13\"/>tighetsmarknaden<span class=\"__14 _1ce\"> </span>samt h\u00f6g in<span class=\"__14 _b_13\"/>flation och d\u00e4rmed stramare penningpolitik. \u00c5terkommande negativ<span class=\"__14 _b_13\"/>a utbudschocker kan leda till fort-<span class=\"__14 _1ce\"> </span>satt h\u00f6g infla<span class=\"__14 _b_13\"/>tion och samtidigt kraftigt minskad produk<span class=\"__14 _b_13\"/>tion,<span class=\"__14 _1ce\"> </span>med recession som f<span class=\"__14 _b_13\"/>\u00f6ljd. Kraftigt \u00f6kade infla<span class=\"__14 _1058\"/>tionsf\u00f6rv\u00e4n<span class=\"__14 _b_13\"/>t-<span class=\"__14 _1ce\"> </span>ningar bland f\u00f6r<span class=\"__14 _1058\"/>etag och konsumen<span class=\"__14 _1058\"/>ter skulle inneb\u00e4r<span class=\"__14 _1058\"/>a en<span class=\"__14 _1ce\"> </span>bran<span class=\"__14 _1058\"/>tare r\u00e4n<span class=\"__14 _b_13\"/>tekurva. F\u00f6r a<span class=\"__14 _b_13\"/>tt fortl\u00f6pande bevaka even<span class=\"__14 _b_13\"/>tuella negativa utfall har<span class=\"__14 _1ce\"> </span>Nordea genomf<span class=\"__14 _b_13\"/>\u00f6rt ett antal interna str<span class=\"__14 _b_13\"/>esstester<span class=\"__14 _1c_10\"/>, med fokus p\u00e5<span class=\"__14 _1ce\"> </span>inflation och geopolitisk utv<span class=\"__14 _b_13\"/>eckling. Beroende p\u00e5 hur reger-<span class=\"__14 _1ce\"> </span>ingar och centr<span class=\"__14 _b_13\"/>albanker agerar<span class=\"__14 _b_13\"/>, skulle ett stagflationssc<span class=\"__14 _b_13\"/>enario<span class=\"__14 _1ce\"> </span>kunna pr\u00f6<span class=\"__14 _1058\"/>va Nordeas s\u00e5rbarhet f<span class=\"__14 _b_13\"/>\u00f6r \u00f6kad arbetsl\u00f6shet i kom-<span class=\"__14 _1ce\"> </span>bination med even<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">tuella prisnedg\u00e5ngar p\u00e5 aff\u00e4rs- och<span class=\"__14 _1ce\"> </span></span>bostadsf<span class=\"__14 _b_13\"/>astigheter<span class=\"__14 _b_13\"/>. F\u00f6r Nordea kan ett s\u00e5dan<span class=\"__14 _b_13\"/>t scenario inne-<span class=\"__14 _1ce\"> </span>b\u00e4ra betydande jus<span class=\"__14 _b_13\"/>teringar till verkligt v\u00e4rde till f<span class=\"__14 _1058\"/>\u00f6ljd av<span class=\"__14 _1ce\"> </span>h\u00f6gre r\u00e4n<span class=\"__14 _b_13\"/>tor och st\u00f6rre r\u00e4n<span class=\"__14 _b_13\"/>teskillnader p\u00e5 s\u00e4kerst\u00e4llda obli-<span class=\"__14 _1ce\"> </span>gationer<span class=\"__14 _b_13\"/>, samtidigt som r<span class=\"__14 _b_13\"/>\u00e4ntenettot p\u00e5<span class=\"__14 _b_13\"/>verkas negativt av en<span class=\"__14 _1ce\"> </span>inverterad r<span class=\"__14 _b_13\"/>\u00e4ntekurva och h\u00f6gre riskpremier p\u00e5 den egna<span class=\"__14 _1ce\"> </span>uppl\u00e5ningen. De interna s<span class=\"__14 _b_13\"/>tresstesterna visade a<span class=\"__14 _b_13\"/>tt Nordea har<span class=\"__14 _1ce\"> </span>en motst\u00e5ndskr<span class=\"__14 _b_13\"/>aftig kapital- och likviditetssituation. Nordea<span class=\"__14 _1ce\"> </span>har ocks\u00e5 ut\u00f6kat den f<span class=\"__14 _b_13\"/>or<span class=\"__14 _1072\"/>tl\u00f6pande \u00f6vervakningen a<span class=\"__14 _b_13\"/>v hur kre-<span class=\"__14 _1ce\"> </span>ditrisken utvecklas. 1.<span class=\"__14 _b_13\"/>1 Ramverk f<span class=\"__14 _b_13\"/>\u00f6r intern kon<span class=\"__14 _b_13\"/>troll<span class=\"__14 _1ce\"> </span>Ramverket f<span class=\"__14 _b_13\"/>\u00f6r intern kon<span class=\"__14 _b_13\"/>troll omfa<span class=\"__14 _1058\"/>ttar hela koncernen och<span class=\"__14 _1ce\"> </span>innefa<span class=\"__14 _b_13\"/>ttar koncernstyrelsens, koncernche<span class=\"__14 _1058\"/>fens och h\u00f6gs<span class=\"__14 _b_13\"/>ta led-<span class=\"__14 _1ce\"> </span>ningens ansvar i fr<span class=\"__14 _b_13\"/>\u00e5ga om intern kontr<span class=\"__14 _1058\"/>oll, alla koncernf<span class=\"__14 _1058\"/>unktio-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">ner och aff\u00e4rsomr</span><span class=\"__14 _b_13\"/>\u00e5den, inklusive verksamhet via uppdragsa<span class=\"__14 _b_13\"/>v-<span class=\"__14 _1ce\"> </span>tal och distributionskanaler<span class=\"__14 _1c_10\"/>. Enligt ramverket \u00e4r det respek<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">tive aff</span><span class=\"__14 _b_13\"/>\u00e4r<span class=\"__14 _1072\"/>somr\u00e5de, konc<span class=\"__14 _1058\"/>ernfunk<span class=\"__14 _b_13\"/>tion och enhet som ansvarar<span class=\"__14 _1ce\"> </span>f\u00f6r a<span class=\"__14 _b_13\"/>tt hantera riskerna i den egna verksamhet<span class=\"__14 _b_13\"/>en och ha kon-<span class=\"__14 _1ce\"> </span>troller som s\u00e4kerst\u00e4ll<span class=\"__14 _1058\"/>er att Nordea lev<span class=\"__14 _b_13\"/>er upp till interna och<span class=\"__14 _1ce\"> </span>ext<span class=\"__14 _1058\"/>erna kra<span class=\"__14 _b_13\"/>v. Som en del a<span class=\"__14 _b_13\"/>v ramverk<span class=\"__14 _1058\"/>et f\u00f6r in<span class=\"__14 _b_13\"/>tern kontroll har<span class=\"__14 _1ce\"> </span>Nordea inr\u00e4<span class=\"__14 _1058\"/>ttat kon<span class=\"__14 _b_13\"/>trollfunktioner p\u00e5 konc<span class=\"__14 _b_13\"/>ernniv\u00e5, som i<span class=\"__14 _1ce\"> </span>l\u00e4mplig och tillr\u00e4cklig utstr<span class=\"__14 _b_13\"/>\u00e4ckning har de befogenheter<span class=\"__14 _b_13\"/>, den<span class=\"__14 _1ce\"> </span>betydelse och den tillg\u00e5ng till konc<span class=\"__14 _1058\"/>ernstyrelsen som de beh\u00f6-<span class=\"__14 _1ce\"> </span>ver f<span class=\"__14 _1058\"/>\u00f6r att utf<span class=\"__14 _b_13\"/>\u00f6ra sitt uppdrag i linje med ramverk<span class=\"__14 _b_13\"/>et f\u00f6r risk-<span class=\"__14 _1ce\"> </span>hantering.<span class=\"__14 _1ce\"> </span>Ramverket f<span class=\"__14 _b_13\"/>\u00f6r intern kon<span class=\"__14 _b_13\"/>troll s\u00e4kerst\u00e4ller yttre och inre<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">effek</span><span class=\"__14 _b_13\"/>tivitet i verksamheten, fullgod iden<span class=\"__14 _b_13\"/>ti\ufb01ering, m\u00e4tning och<span class=\"__14 _1ce\"> </span>begr\u00e4nsning a<span class=\"__14 _b_13\"/>v risker<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">, en aktsam aff\u00e4rsverksamhet, sunda<span class=\"__14 _1ce\"> </span></span>administra<span class=\"__14 _b_13\"/>tions- och redovisningsrutiner<span class=\"__14 _b_13\"/>, tillf\u00f6rlitlighet i<span class=\"__14 _1ce\"> </span>\ufb01nansiell och icke-\ufb01nansiell inf<span class=\"__14 _b_13\"/>ormation (b\u00e5de intern och<span class=\"__14 _1ce\"> </span>ext<span class=\"__14 _1058\"/>ern) samt efterl<span class=\"__14 _1058\"/>evnad av g\u00e4llande lagar<span class=\"__14 _1c_10\"/>, f\u00f6rordningar<span class=\"__14 _1c_10\"/>,<span class=\"__14 _1ce\"> </span>standarder<span class=\"__14 _1c_10\"/>, myndighetskrav och k<span class=\"__14 _b_13\"/>oncernens interna regler<span class=\"__14 _b_13\"/>. Internk<span class=\"__14 _b_13\"/>ontrollen utf\u00f6rs a<span class=\"__14 _b_13\"/>v de styrande organen, ledningen,<span class=\"__14 _1ce\"> </span>riskhanteringsf<span class=\"__14 _b_13\"/>unktionerna och annan personal i Nordea.<span class=\"__14 _1ce\"> </span>Internk<span class=\"__14 _b_13\"/>ontrollen har fem huvudkomponen<span class=\"__14 _b_13\"/>ter: kontrollmilj\u00f6<span class=\"__14 _b_13\"/>,<span class=\"__14 _1ce\"> </span>riskbed\u00f6mning, kontr<span class=\"__14 _b_13\"/>ollaktiviteter<span class=\"__14 _b_13\"/>, inf<span class=\"__14 _b_13\"/>ormation och kommuni-<span class=\"__14 _1ce\"> </span>kation sam<span class=\"__14 _1058\"/>t uppf<span class=\"__14 _1058\"/>\u00f6ljning. Den har utforma<span class=\"__14 _b_13\"/>ts s\u00e5 att det i hela<span class=\"__14 _1ce\"> </span>organisationen ska \ufb01nnas f<span class=\"__14 _b_13\"/>\u00f6ruts\u00e4ttningar att bidra till den<span class=\"__14 _1ce\"> </span>interna k<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ontrollens effek</span><span class=\"__14 _b_13\"/>tivitet och h\u00f6ga kvalitet genom bland<span class=\"__14 _1ce\"> </span>annat tydliga de\ufb01nitioner<span class=\"__14 _1c_10\"/>, f\u00f6rdelning a<span class=\"__14 _b_13\"/>v roller och ansvarsom-<span class=\"__14 _1ce\"> </span>r\u00e5den sam<span class=\"__14 _1058\"/>t gemensamma verk<span class=\"__14 _1058\"/>tyg och rutiner<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>196<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>1.2 Beslutsfa<span class=\"__14 _1058\"/>ttande organ f<span class=\"__14 _b_13\"/>\u00f6r risk-,  likviditets- och kapitalhan<span class=\"__14 _b_13\"/>tering<span class=\"__14 _1ce\"> </span>Koncerns<span class=\"__14 _b_13\"/>tyrelsen, styrelsens riskkommitt\u00e9, Nor<span class=\"__14 _b_13\"/>deas koncern-<span class=\"__14 _1ce\"> </span>chef i koncernledningen, <span class=\"__14 _b_13\"/>Asset and Liability Committee (AL<span class=\"__14 _b_13\"/>CO) och riskkommitt\u00e9n \u00e4r vik<span class=\"__14 _b_13\"/>tiga beslutsfattande organ f\u00f6r Nor<span class=\"__14 _1058\"/>deas risk- och kapit<span class=\"__14 _1058\"/>alhantering. D\u00e4rut<span class=\"__14 _1058\"/>\u00f6ver \u00e4r CE<span class=\"__14 _b_13\"/>O Cre-<span class=\"__14 _1ce\"> </span>dit Committee, Ex<span class=\"__14 _1058\"/>ecutive Credit Committee och  <span class=\"__14 _d_13\"/><span class=\"__14 _1ce\">kreditkommitt\u00e9er i aff</span><span class=\"__14 _b_13\"/>\u00e4r<span class=\"__14 _1072\"/>somr\u00e5dena vik<span class=\"__14 _1058\"/>tiga instanser f<span class=\"__14 _b_13\"/>\u00f6r  kreditbeslut.<span class=\"__14 _1ce\"> </span>Koncerns<span class=\"__14 _b_13\"/>tyrelsen och styrelsens riskkommitt\u00e9<span class=\"__14 _1ce\"> </span>Koncerns<span class=\"__14 _b_13\"/>tyrelsen har f\u00f6ljande \u00f6ver<span class=\"__14 _b_13\"/>gripande ansvar f\u00f6r risk<span class=\"__14 _1058\"/>-<span class=\"__14 _1ce\"> </span>hanteringen:<span class=\"__14 _1ce\"> </span>\u2022 <span class=\"__14 _1f_10\"> </span>Besluta om koncernens risks<span class=\"__14 _b_13\"/>trategi och ramv<span class=\"__14 _b_13\"/>erket f\u00f6r risk-<span class=\"__14 _1ce\"> </span>tolerans, inklusiv<span class=\"__14 _b_13\"/>e riskf\u00f6rklaringar<span class=\"__14 _b_13\"/>, med \u00e5tminstone \u00e5rliga uppf\u00f6ljningar och ytt<span class=\"__14 _b_13\"/>erligare uppdateringar n\u00e4r s\u00e5 beh\u00f6vs.<span class=\"__14 _1ce\"> </span>\u2022 <span class=\"__14 _1f_10\"> </span>\u00d6vervaka och f<span class=\"__14 _b_13\"/>\u00f6lja upp inf\u00f6randet a<span class=\"__14 _b_13\"/>v riskstrategin, r<span class=\"__14 _b_13\"/>amver-<span class=\"__14 _1ce\"> </span>ket f<span class=\"__14 _1058\"/>\u00f6r risktoler<span class=\"__14 _b_13\"/>ans och ramverket f<span class=\"__14 _b_13\"/>\u00f6r riskhantering samt regelbundet utv\u00e4r<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">dera om koncernen har eff</span><span class=\"__14 _b_13\"/>ektiva och l\u00e4mpliga kontr<span class=\"__14 _b_13\"/>oller f\u00f6r att hant<span class=\"__14 _1058\"/>era riskerna.<span class=\"__14 _1ce\"> </span>Koncerns<span class=\"__14 _b_13\"/>tyrelsen beslutar om koncerndirek<span class=\"__14 _b_13\"/>tivet Group Board Directive on Capital, d\u00e4r \u00e4v<span class=\"__14 _b_13\"/>en utdelningspolicyn ing\u00e5r<span class=\"__14 _b_13\"/>. Direkti-<span class=\"__14 _1ce\"> </span>vet ska s\u00e4kerst\u00e4lla a<span class=\"__14 _b_13\"/>tt koncernen fortl\u00f6pande och fram\u00e5<span class=\"__14 _b_13\"/>t-<span class=\"__14 _1ce\"> </span>blickande har tillr\u00e4ckliga kapitalniv<span class=\"__14 _b_13\"/>\u00e5er, som \u00e4r f<span class=\"__14 _b_13\"/>\u00f6renliga med <span class=\"__14 _1ce\">Nordeas aff</span><span class=\"__14 _b_13\"/>\u00e4r<span class=\"__14 _1072\"/>smodell, risktolerans liks<span class=\"__14 _1058\"/>om lagkra<span class=\"__14 _b_13\"/>v och f\u00f6r-<span class=\"__14 _1ce\"> </span>v\u00e4n<span class=\"__14 _1058\"/>tningar<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>Styrelsens riskkommitt\u00e9 bitr<span class=\"__14 _b_13\"/>\u00e4der koncernstyrelsen i dess tillsyn \u00f6ver han<span class=\"__14 _b_13\"/>teringen och kontrollen a<span class=\"__14 _b_13\"/>v risker<span class=\"__14 _b_13\"/>, ramverk f<span class=\"__14 _b_13\"/>\u00f6r risk samt kon<span class=\"__14 _b_13\"/>troller och processer a<span class=\"__14 _b_13\"/>vseende Nordea-<span class=\"__14 _1ce\"> </span>koncernens verksamhet.<span class=\"__14 _1ce\"> </span>V<span class=\"__14 _1058\"/>erkst\u00e4llande direk<span class=\"__14 _b_13\"/>t\u00f6r och koncernchef<span class=\"__14 _1ce\"> </span>Koncernchef<span class=\"__14 _b_13\"/>en ansvarar inf<span class=\"__14 _b_13\"/>\u00f6r koncernstyrelsen f<span class=\"__14 _b_13\"/>\u00f6r den \u00f6ver-<span class=\"__14 _1ce\"> </span>gripande f\u00f6rvaltningen a<span class=\"__14 _b_13\"/>v koncernens verksamhet och risker<span class=\"__14 _1c_10\"/>. Bland annat ska koncernche<span class=\"__14 _1058\"/>fen s\u00e4k<span class=\"__14 _1058\"/>erst\u00e4lla att den riskstr<span class=\"__14 _b_13\"/>a-<span class=\"__14 _1ce\"> </span>tegi och riskhant<span class=\"__14 _1058\"/>ering som besluta<span class=\"__14 _1058\"/>ts av k<span class=\"__14 _1058\"/>oncernstyrels<span class=\"__14 _1058\"/>en genomf<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>s, att n\u00f6dv\u00e4ndiga pr<span class=\"__14 _b_13\"/>aktiska \u00e5tg\u00e4rder vidtas och a<span class=\"__14 _b_13\"/>tt riskerna f<span class=\"__14 _1058\"/>\u00f6ljs upp och begr\u00e4nsas. Koncernchef<span class=\"__14 _b_13\"/>en arbetar tillsammans med ledande befatt-<span class=\"__14 _1ce\"> </span>ningshav<span class=\"__14 _b_13\"/>are i koncernledningen. Dessa st\u00f6djer konc<span class=\"__14 _b_13\"/>ernchefen i dennes beslut. Fr\u00e5gor som sk<span class=\"__14 _1058\"/>a beslutas a<span class=\"__14 _b_13\"/>v koncernstyrelsen, liksom principfr<span class=\"__14 _b_13\"/>\u00e5gor eller andra fr\u00e5gor a<span class=\"__14 _1058\"/>v s\u00e4rskild vikt som ska beslutas a<span class=\"__14 _b_13\"/>v styrelserna i Nordea Bank <span class=\"__14 _1058\"/>Abp: st\u00f6rre do<span class=\"__14 _b_13\"/>tter-<span class=\"__14 _1ce\"> </span>f\u00f6r<span class=\"__14 _1058\"/>etag, ska f\u00f6rs<span class=\"__14 _1058\"/>t presen<span class=\"__14 _b_13\"/>teras f\u00f6r konc<span class=\"__14 _1058\"/>ernchefen, f<span class=\"__14 _b_13\"/>\u00f6r diskus-<span class=\"__14 _1ce\"> </span>sion och rekommendation.<span class=\"__14 _1ce\"> </span>S\u00e4rskilda koncernkommitt\u00e9er har inr<span class=\"__14 _b_13\"/>\u00e4ttats f\u00f6r a<span class=\"__14 _1058\"/>tt fr\u00e4mja samordningen inom koncernen, och p\u00e5 s\u00e5 s\u00e4<span class=\"__14 _b_13\"/>tt s\u00e4kerst\u00e4lla \u00e5tagande och \u00e4garskap f<span class=\"__14 _1058\"/>\u00f6r koncernens prioriteringar<span class=\"__14 _1c_10\"/>, beslut och genomf<span class=\"__14 _b_13\"/>\u00f6rande. Kommitt\u00e9ernas sammans\u00e4ttning och ansvarsomr\u00e5den har f<span class=\"__14 _b_13\"/>astst\u00e4llts i koncernins<span class=\"__14 _b_13\"/>truktioner f\u00f6r re<span class=\"__14 _1058\"/>s-<span class=\"__14 _1ce\"> </span>pektiv<span class=\"__14 _1058\"/>e kommitt\u00e9.<span class=\"__14 _1ce\"> </span>Asset and Liability Committee<span class=\"__14 _1ce\"> </span>Asset and Liability Committee (AL<span class=\"__14 _b_13\"/>CO) \u00e4r underst\u00e4lld k<span class=\"__14 _1058\"/>oncern<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span>chefen och leds a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">v koncernens Chief Financial Officer</span><span class=\"__14 _b_13\"/>. AL<span class=\"__14 _b_13\"/>CO beslutar om f<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar i den \ufb01nansiella verksamheten och riskpro\ufb01len i balansr\u00e4kningen, inkl<span class=\"__14 _b_13\"/>usive f\u00f6rvaltningen a<span class=\"__14 _b_13\"/>v till<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span>g\u00e5ngar och skulder<span class=\"__14 _b_13\"/>, hanteringen a<span class=\"__14 _b_13\"/>v balansr\u00e4kningen och likvi<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span>ditetshant<span class=\"__14 _1058\"/>eringen. AL<span class=\"__14 _b_13\"/>CO beslutar ocks\u00e5 om vissa emissioner och kapitaltillsko<span class=\"__14 _b_13\"/>tt f\u00f6r alla hel\u00e4gda koncernf<span class=\"__14 _b_13\"/>\u00f6retag. AL<span class=\"__14 _b_13\"/>CO har bildat underor<span class=\"__14 _1058\"/>dnade kommitt\u00e9er f<span class=\"__14 _b_13\"/>\u00f6r sitt arbete och beslutsfat<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span>tande inom speci\ufb01ka riskomr\u00e5den. Riskkommitt\u00e9n<span class=\"__14 _1ce\"> </span>Riskkommitt\u00e9n \u00e4r underst\u00e4lld k<span class=\"__14 _1058\"/>oncernchef<span class=\"__14 _1058\"/>en och leds av k<span class=\"__14 _b_13\"/>on<span class=\"ws0_14\">-<span class=\"__14 _1ce\"> </span></span><span class=\"__14 _1ce\">cernens Chief Risk Officer</span><span class=\"__14 _1c_10\"/>. Riskkommitt\u00e9n sk\u00f6ter det \u00f6v<span class=\"__14 _1058\"/>ergri-<span class=\"__14 _1ce\"> </span>pande ramv<span class=\"__14 _1058\"/>erket f<span class=\"__14 _1058\"/>\u00f6r riskhantering och f<span class=\"__14 _b_13\"/>\u00f6rbereder eller ger v\u00e4gledning om f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>slag till koncernchef<span class=\"__14 _b_13\"/>en i koncernledningen och/<span class=\"__14 _1058\"/>eller koncernstyr<span class=\"__14 _b_13\"/>elsen i viktiga  <span class=\"__14 _d_13\"/>fr\u00e5gor som r\u00f6r Nordeas ramv<span class=\"__14 _1058\"/>erk f\u00f6r riskhan<span class=\"__14 _b_13\"/>tering. Koncern <span class=\"__14 _d_13\"/>styrelsen beslutar om r<span class=\"__14 _b_13\"/>am-<span class=\"__14 _1ce\"> </span>verket f<span class=\"__14 _b_13\"/>\u00f6r risktolerans. Riskkommitt<span class=\"__14 _b_13\"/>\u00e9n f\u00f6rdelar risktol<span class=\"__14 _1058\"/>eransen mellan de risktagande enhet<span class=\"__14 _1058\"/>erna, och f\u00f6rst<span class=\"__14 _1058\"/>a f\u00f6rsvarslinjen ska s\u00e4kerst\u00e4lla att in<span class=\"__14 _b_13\"/>formation om limiterna deleger<span class=\"__14 _b_13\"/>as och att de inf<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>s i verksamheten. Riskkommitt<span class=\"__14 _1058\"/>\u00e9n har bildat underord-<span class=\"__14 _1ce\"> </span>nade kommitt\u00e9er f<span class=\"__14 _b_13\"/>\u00f6r sitt arbete och beslutsfattande inom speci\ufb01ka riskomr\u00e5den.<span class=\"__14 _1ce\"> </span>Instans<span class=\"__14 _1058\"/>er f\u00f6r<span class=\"__14 _1058\"/> kreditbeslut<span class=\"__14 _1ce\"> </span>Koncerns<span class=\"__14 _b_13\"/>tyrelsen, styrelsens riskkommitt\u00e9 och riskk<span class=\"__14 _b_13\"/>ommitt\u00e9n utg\u00f6r styr<span class=\"__14 _1058\"/>ande organ f<span class=\"__14 _1058\"/>\u00f6r kreditrisk och ram<span class=\"__14 _1058\"/>verket f<span class=\"__14 _b_13\"/>\u00f6r kredi-<span class=\"__14 _1ce\"> </span>triskhantering. K<span class=\"__14 _b_13\"/>oncernstyrelsen och de lokala styr<span class=\"__14 _b_13\"/>elserna delegerar kreditbesl<span class=\"__14 _1058\"/>ut i enlighet med de befogenhet<span class=\"__14 _1058\"/>er som beskrivs i koncerndirek<span class=\"__14 _b_13\"/>tivet Group Board Directive on Risk.<span class=\"__14 _1ce\"> </span>\u2022 <span class=\"__14 _1f_10\"> </span>CEO Cr<span class=\"__14 _b_13\"/>edit Committee leds av koncernchef<span class=\"__14 _b_13\"/>en och innefat-<span class=\"__14 _1ce\"> </span>tar samtliga medlemmar i Ex<span class=\"__14 _b_13\"/>ecutive Credit Committee.<span class=\"__14 _1ce\"> </span>\u2022 <span class=\"__14 _1f_10\"> </span>Executiv<span class=\"__14 _1058\"/>e Credit Committee leds a<span class=\"__14 _b_13\"/>v chefen f\u00f6r Gr<span class=\"__14 _b_13\"/>oup Cred-<span class=\"__14 _1ce\"> </span>it Management. Det \u00e4r styrelsens riskk<span class=\"__14 _1058\"/>ommitt\u00e9 som utser medlemmarna i Executiv<span class=\"__14 _1058\"/>e Credit Committee.<span class=\"__14 _1ce\"> </span>\u2022 <span class=\"__14 _1f_10\"> </span>Kreditkommitt\u00e9er i a<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ff\u00e4rsomr\u00e5dena: Ex</span><span class=\"__14 _b_13\"/>ecutive Credit Com-<span class=\"__14 _1ce\"> </span>mittee inr\u00e4<span class=\"__14 _1058\"/>ttar kreditkommitt\u00e9er f<span class=\"__14 _b_13\"/>\u00f6r respektive a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ff\u00e4rsom-<span class=\"__14 _1ce\"> </span></span>r\u00e5de utifr<span class=\"__14 _b_13\"/>\u00e5n organisation och kundsegment<span class=\"__14 _1058\"/>ering.<span class=\"__14 _1ce\"> </span>Styrning i dott<span class=\"__14 _b_13\"/>er<span class=\"__14 _1072\"/>f\u00f6retagen<span class=\"__14 _1ce\"> </span>P\u00e5 do<span class=\"__14 _1058\"/>tterf\u00f6r<span class=\"__14 _1058\"/>etagsniv\u00e5 \u00e4r det den lokala s<span class=\"__14 _1058\"/>tyrelsen som god-<span class=\"__14 _1ce\"> </span>k\u00e4nner riskt<span class=\"__14 _1058\"/>oleranslimiter och kapital\u00e5<span class=\"__14 _b_13\"/>tg\u00e4rder<span class=\"__14 _b_13\"/>. Beslutsunder-<span class=\"__14 _1ce\"> </span>lag i s\u00e5dana fr\u00e5gor tas f<span class=\"__14 _b_13\"/>ram av det ak<span class=\"__14 _1058\"/>tuella dotterf<span class=\"__14 _1058\"/>\u00f6retagets ledning, med st\u00f6d fr<span class=\"__14 _b_13\"/>\u00e5n relevanta k<span class=\"__14 _b_13\"/>oncernfunktioner<span class=\"__14 _1c_10\"/>.<span class=\"__14 _1ce\"> </span>Dotterf<span class=\"__14 _1058\"/>\u00f6retagets styr<span class=\"__14 _1058\"/>else ansvar<span class=\"__14 _1058\"/>ar f\u00f6r a<span class=\"__14 _1058\"/>tt \u00f6vervaka han<span class=\"__14 _b_13\"/>te-<span class=\"__14 _1ce\"> </span>ringen och kontr<span class=\"__14 _b_13\"/>ollen av risker<span class=\"__14 _b_13\"/>, ramverk<span class=\"__14 _b_13\"/>et f\u00f6r riskhantering samt verksamhetspr<span class=\"__14 _b_13\"/>ocesserna i dotterf\u00f6ret<span class=\"__14 _1058\"/>aget. Det \ufb01nns ocks\u00e5 riskhanteringsf<span class=\"__14 _b_13\"/>unktioner som ansvarar f<span class=\"__14 _b_13\"/>\u00f6r ramverket och processerna f<span class=\"__14 _b_13\"/>\u00f6r riskhantering i dotterf<span class=\"__14 _b_13\"/>\u00f6retaget<span class=\"__14 _1072\"/>.<span class=\"__14 _1ce\"> </span>Dotterf<span class=\"__14 _1058\"/>\u00f6retagets vd del<span class=\"__14 _1058\"/>tar i besluten p\u00e5 do<span class=\"__14 _1058\"/>tterf\u00f6ret<span class=\"__14 _1058\"/>agsniv\u00e5 och ansvarar f<span class=\"__14 _b_13\"/>\u00f6r den dagliga verksamheten.<span class=\"__14 _1ce\"> </span>1.3 Styrning av riskhan<span class=\"__14 _b_13\"/>tering och regelefterlevnad<span class=\"__14 _1ce\"> </span>Group Risk och Group Compliance ut<span class=\"__14 _b_13\"/>g\u00f6r Nordeas oberoende andra f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>svarslinje. Den andra f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>svarslinjen \u00e4r organiserad p\u00e5 ett s\u00e4tt som s\u00e4kerst<span class=\"__14 _1058\"/>\u00e4ller tillr\u00e4ckliga resurser f<span class=\"__14 _b_13\"/>\u00f6r be\ufb01ntliga processer och speglar Nor<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">deas aff\u00e4rsor</span><span class=\"__14 _b_13\"/>ganisation, koncern-<span class=\"__14 _1ce\"> </span>struk<span class=\"__14 _1058\"/>tur och landsindelning. Group Risk \u00f6v<span class=\"__14 _1058\"/>ervakar inf<span class=\"__14 _b_13\"/>\u00f6randet av k<span class=\"__14 _b_13\"/>oncernens riskpolicyer (utom f\u00f6r regeleft<span class=\"__14 _b_13\"/>erlevnadsrisk), samt \u00f6v<span class=\"__14 _b_13\"/>er<span class=\"__14 _1072\"/>vakar och kon<span class=\"__14 _b_13\"/>trollerar<span class=\"__14 _b_13\"/>, enligt ett riskbaserat f<span class=\"__14 _b_13\"/>\u00f6rh\u00e5ll-<span class=\"__14 _1ce\"> </span>ningss\u00e4tt, ramverk<span class=\"__14 _1058\"/>et f\u00f6r riskhan<span class=\"__14 _b_13\"/>tering. Group Compliance \u00f6vervakar in<span class=\"__14 _b_13\"/>f\u00f6randet a<span class=\"__14 _b_13\"/>v ramverket f<span class=\"__14 _b_13\"/>\u00f6r hantering av r<span class=\"__14 _1058\"/>egelef-<span class=\"__14 _1ce\"> </span>terlevnadsrisk, som \u00e4r en del a<span class=\"__14 _1058\"/>v det \u00f6ver<span class=\"__14 _1058\"/>gripande ramv<span class=\"__14 _1058\"/>erket f\u00f6r riskhan<span class=\"__14 _b_13\"/>tering. Ramverket f<span class=\"__14 _b_13\"/>\u00f6r riskhantering s\u00e4kerst\u00e4ller k<span class=\"__14 _b_13\"/>onsekventa pro-<span class=\"__14 _1ce\"> </span>cesser f<span class=\"__14 _b_13\"/>\u00f6r att kartl\u00e4gga, bed\u00f6ma och m\u00e4ta risker<span class=\"__14 _b_13\"/>, liksom f\u00f6r att reager<span class=\"__14 _1058\"/>a p\u00e5 och begr\u00e4nsa, kon<span class=\"__14 _b_13\"/>trollera och \u00f6vervaka sam<span class=\"__14 _b_13\"/>t rapportera risker s\u00e5 a<span class=\"__14 _b_13\"/>tt v\u00e4lgrundade beslut om risktagande kan fa<span class=\"__14 _b_13\"/>ttas. Det omfattar alla risk<span class=\"__14 _b_13\"/>er som Nordea \u00e4r eller skulle kunna var<span class=\"__14 _b_13\"/>a exponerad f\u00f6r<span class=\"__14 _1c_10\"/>, inklusive ESG-fakt<span class=\"__14 _b_13\"/>orer som k\u00e4lla till be\ufb01ntliga risker<span class=\"__14 _1c_10\"/>, risker utanf<span class=\"__14 _1058\"/>\u00f6r balansr\u00e4kningen och risker i ett stressa<span class=\"__14 _b_13\"/>t scenario. Detaljerade rapporter om sam<span class=\"__14 _b_13\"/>tliga risker l\u00e4mnas regelbundet till riskkommitt\u00e9n, k<span class=\"__14 _1058\"/>oncernledningen, K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>197<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>styrelsens riskk<span class=\"__14 _1058\"/>ommitt\u00e9 och koncerns<span class=\"__14 _b_13\"/>tyrelsen. Vidare l\u00e4mnas rapporter om Nordeas regeleft<span class=\"__14 _b_13\"/>erlevnad till riskkommitt\u00e9n, koncernledningen, styr<span class=\"__14 _b_13\"/>elsens riskkommitt\u00e9 och koncernsty-<span class=\"__14 _1ce\"> </span>relsen. K<span class=\"__14 _1058\"/>oncernstyrels<span class=\"__14 _1058\"/>en och verkst\u00e4llande dir<span class=\"__14 _b_13\"/>ekt\u00f6ren i de enskilda Nordeabolagen f<span class=\"__14 _1058\"/>\u00e5r regelbundna riskrapporter som r\u00f6r lokala f<span class=\"__14 _b_13\"/>\u00f6rh\u00e5llanden.<span class=\"__14 _1ce\"> </span>Processen f<span class=\"__14 _b_13\"/>\u00f6r kartl\u00e4ggning och v\u00e4sentlighetsbed\u00f6mning av risk<span class=\"__14 _b_13\"/>er inleds med att identi\ufb01era risker som Nor<span class=\"__14 _b_13\"/>dea \u00e4r eller skulle kunna v<span class=\"__14 _b_13\"/>ara exponerad f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1058\"/>. Riskerna bed\u00f6ms f<span class=\"__14 _1058\"/>\u00f6r att fas<span class=\"__14 _1058\"/>tst\u00e4lla rele<span class=\"__14 _1058\"/>vans, klassi\ufb01cer<span class=\"__14 _1058\"/>as sedan och registr<span class=\"__14 _b_13\"/>eras i den gemensamma risktax<span class=\"__14 _b_13\"/>onomin.<span class=\"__14 _1ce\"> </span>Alla risker i Nordea gemensamma risk<span class=\"__14 _b_13\"/>taxonomi m\u00e5ste, i risk- och kapitalhan<span class=\"__14 _b_13\"/>teringssyfte, klassi\ufb01ceras som v\u00e4sen<span class=\"__14 _b_13\"/>tliga eller icke-v\u00e4sen<span class=\"__14 _b_13\"/>tliga. V\u00e4sen<span class=\"__14 _b_13\"/>tliga risker \u00e4r risker som bed\u00f6ms ha en v\u00e4sen<span class=\"__14 _b_13\"/>tlig inverkan p\u00e5 Nordeas aktuella och f<span class=\"__14 _b_13\"/>ramtida \ufb01nansiella st\u00e4llning, p\u00e5 dess kunder och \u00f6<span class=\"__14 _b_13\"/>vriga intressent<span class=\"__14 _b_13\"/>er. Dessa risker kan normalt h\u00e4n<span class=\"__14 _b_13\"/>f\u00f6ras till en h\u00f6gre niv<span class=\"__14 _1058\"/>\u00e5 i risktax<span class=\"__14 _b_13\"/>o-<span class=\"__14 _1ce\"> </span>nomin, som inrymmer ett antal underliggande risker d\u00e4r f<span class=\"__14 _b_13\"/>\u00f6r-<span class=\"__14 _1ce\"> </span>lusterna har en gemensam n\u00e4mnar<span class=\"__14 _b_13\"/>e.<span class=\"__14 _1ce\"> </span>Riskt<span class=\"__14 _1058\"/>olerans<span class=\"__14 _1ce\"> </span>Ramverket f<span class=\"__14 _b_13\"/>\u00f6r risktolerans bidr<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ar till effektiv riskhan</span><span class=\"__14 _b_13\"/>tering och en sund riskkultur genom a<span class=\"__14 _1058\"/>tt m\u00f6jligg\u00f6ra v\u00e4lgrundade beslut om riskt<span class=\"__14 _b_13\"/>agande. Syftet \u00e4r att s\u00e4kerst\u00e4lla att riskerna <span class=\"__14 _1ce\">i verksamheten h\u00e5ller sig inom bankens kapacit</span><span class=\"__14 _b_13\"/>et f\u00f6r risk-<span class=\"__14 _1ce\"> </span>tagande.<span class=\"__14 _1ce\"> </span>Kapacitet f<span class=\"__14 _b_13\"/>\u00f6r risktagande \u00e4r den maximala risken som Nordea bed\u00f6ms kunna ta, med h\u00e4nsyn till sitt kapit<span class=\"__14 _1058\"/>al (kapital-<span class=\"__14 _1ce\"> </span>bas), sin riskhanterings- och k<span class=\"__14 _b_13\"/>ontrollkapacitet och g\u00e4llande regleringsbegr\u00e4nsningar<span class=\"__14 _1c_10\"/>. Risktolerans \u00e4r den samman<span class=\"__14 _b_13\"/>tagna niv\u00e5n f<span class=\"__14 _b_13\"/>\u00f6r alla typer av risk som Nordea \u00e4r villig att acc<span class=\"__14 _b_13\"/>eptera inom sin kapacitet f<span class=\"__14 _1058\"/>\u00f6r risktagande, och i linje med sin a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ff\u00e4rs-<span class=\"__14 _1ce\"> </span></span>modell, f\u00f6r att n\u00e5 sina s<span class=\"__14 _b_13\"/>trategiska m\u00e5l. Riskf\u00f6rklaringarna \u00e4r koncernstyr<span class=\"__14 _b_13\"/>elsens formulering av godk\u00e4nd risk<span class=\"__14 _b_13\"/>tolerans och utg\u00f6rs av kv<span class=\"__14 _b_13\"/>alitativa f\u00f6rklaringar och kv<span class=\"__14 _b_13\"/>antitativa limiter och tr\u00f6sklar per huvudsaklig risktyp s<span class=\"__14 _b_13\"/>om anses l\u00e4mpliga f\u00f6r att kunna bedriva v<span class=\"__14 _b_13\"/>erksamheten med en v\u00e4l avv\u00e4gd riskpr<span class=\"__14 _b_13\"/>o\ufb01l.<span class=\"__14 _1ce\"> </span>Kreditrelat<span class=\"__14 _b_13\"/>erad koncentr<span class=\"__14 _1058\"/>ationsrisk m\u00e4ts p\u00e5 e<span class=\"__14 _b_13\"/>xempelvis sek<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>tor- och regionniv\u00e5 f<span class=\"__14 _b_13\"/>\u00f6r att fas<span class=\"__14 _1058\"/>tst\u00e4lla st<span class=\"__14 _1058\"/>orlek och betydelse. F<span class=\"__14 _b_13\"/>\u00f6r kredit-, marknads- och likviditetsrisk anv<span class=\"__14 _b_13\"/>\u00e4nds olika m\u00e5tt fr\u00e5n stress<span class=\"__14 _b_13\"/>tester f\u00f6r a<span class=\"__14 _b_13\"/>tt s\u00e4kerst\u00e4lla en fram\u00e5tblickande riskhan<span class=\"__14 _b_13\"/>te-<span class=\"__14 _1ce\"> </span>ring. M\u00e5tten f<span class=\"__14 _b_13\"/>\u00f6r operativ risk omf<span class=\"__14 _b_13\"/>attar b\u00e5de kvarst\u00e5ende risk<span class=\"__14 _1058\"/>-<span class=\"__14 _1ce\"> </span>niv\u00e5er och kra<span class=\"__14 _b_13\"/>v p\u00e5 riskbegr\u00e4nsande \u00e5tg\u00e4rder liks<span class=\"__14 _1058\"/>om limiter f\u00f6r f<span class=\"__14 _b_13\"/>\u00f6rluster fr\u00e5n inciden<span class=\"__14 _b_13\"/>ter<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>Processer f<span class=\"__14 _b_13\"/>\u00f6r risktolerans<span class=\"__14 _1ce\"> </span>Ramverket f<span class=\"__14 _b_13\"/>\u00f6r risktolerans inneh\u00e5ller alla pr<span class=\"__14 _b_13\"/>ocesser och kon-<span class=\"__14 _1ce\"> </span>troller f<span class=\"__14 _1058\"/>\u00f6r att f<span class=\"__14 _1058\"/>astst\u00e4lla, f<span class=\"__14 _b_13\"/>\u00f6lja upp och kommunicera Nordeas risktoler<span class=\"__14 _b_13\"/>ans:<span class=\"__14 _1ce\"> </span>\u2022 <span class=\"__14 _1f_10\"> </span>F<span class=\"__14 _b_13\"/>astst\u00e4llande av k<span class=\"__14 _1058\"/>apacitet f<span class=\"__14 _1058\"/>\u00f6r risktagande utif<span class=\"__14 _b_13\"/>r\u00e5n kapital-<span class=\"__14 _1ce\"> </span>position: En g\u00e5ng per \u00e5r anpassas koncernens \u00f6v<span class=\"__14 _b_13\"/>ergri-<span class=\"__14 _1ce\"> </span>pande kapacitet f<span class=\"__14 _1058\"/>\u00f6r risktagande till \ufb01nans- och kapit<span class=\"__14 _1058\"/>al-<span class=\"__14 _1ce\"> </span>planeringen, baserat Nor<span class=\"__14 _b_13\"/>deas riskstrategi. Kapacit<span class=\"__14 _b_13\"/>eten f\u00f6r risktagande f<span class=\"__14 _b_13\"/>astst\u00e4lls utifr<span class=\"__14 _1058\"/>\u00e5n Nordeas kapitalposition, och innefa<span class=\"__14 _b_13\"/>ttar f\u00f6rm\u00e5gan att absorbera chock<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>. \u2022 <span class=\"__14 _1f_10\"> </span>F\u00f6r<span class=\"__14 _1058\"/>delning av risk<span class=\"__14 _b_13\"/>tolerans per risktyp: Risk<span class=\"__14 _b_13\"/>toleransen innefa<span class=\"__14 _b_13\"/>ttar risktoleranslimiter f<span class=\"__14 _b_13\"/>\u00f6r de huvudsakliga risktyp-<span class=\"__14 _1ce\"> </span>erna som Nordea \u00e4r eller skulle k<span class=\"__14 _b_13\"/>unna vara exponer<span class=\"__14 _1058\"/>ad f\u00f6r<span class=\"__14 _1c_10\"/>. \u00c4<span class=\"__14 _b_13\"/>ven tr\u00f6sklar fas<span class=\"__14 _b_13\"/>tst\u00e4lls f\u00f6r dessa huvudsakliga risk<span class=\"__14 _b_13\"/>typer. De ska fungera som tidiga indik<span class=\"__14 _1058\"/>atorer f<span class=\"__14 _b_13\"/>\u00f6r viktiga beslutsf<span class=\"__14 _b_13\"/>attare om att riskpro\ufb01len f<span class=\"__14 _b_13\"/>\u00f6r en viss risktyp n\u00e4rmar sig sin risktoler<span class=\"__14 _b_13\"/>anslimit<span class=\"__14 _1072\"/>.<span class=\"__14 _1ce\"> </span>\u2022 <span class=\"__14 _1f_10\"> </span>F<span class=\"__14 _b_13\"/>astst\u00e4llande av risklimit<span class=\"__14 _b_13\"/>er: M\u00e4tbara risklimiter uppr\u00e4tt<span class=\"__14 _1058\"/>as och fas<span class=\"__14 _1058\"/>tst\u00e4lls p\u00e5 l\u00e4mpliga niv\u00e5er f<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">\u00f6r att effek</span><span class=\"__14 _b_13\"/>tivt hantera risktagandet. Riskt<span class=\"__14 _1058\"/>oleranslimiterna f<span class=\"__14 _b_13\"/>astst\u00e4lls av k<span class=\"__14 _b_13\"/>oncern-<span class=\"__14 _1ce\"> </span>styrelsen. Dessa ligger till grund f<span class=\"__14 _b_13\"/>\u00f6r de risklimiter som inf<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>s och godk\u00e4nns av l\u00e4gr<span class=\"__14 _b_13\"/>e beslutsinstanser i Nordea, bland annat riskkommitt\u00e9n och dess under<span class=\"__14 _b_13\"/>ordnade kom-<span class=\"__14 _1ce\"> </span>mitt\u00e9er<span class=\"__14 _b_13\"/>. Dotterf\u00f6r<span class=\"__14 _b_13\"/>etagens risktoleranslimiter ska f<span class=\"__14 _b_13\"/>astst\u00e4llas av beh\u00f6rig besl<span class=\"__14 _b_13\"/>utsinstans i enlighet med nationella lagkra<span class=\"__14 _b_13\"/>v och i \u00f6verenss<span class=\"__14 _b_13\"/>t\u00e4mmelse med koncernens risklimiter<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>\u2022 <span class=\"__14 _1f_10\"> </span>Kon<span class=\"__14 _b_13\"/>troll och \u00f6vervakning av risk i f<span class=\"__14 _b_13\"/>\u00f6rh\u00e5llande till risklim-<span class=\"__14 _1ce\"> </span>iter: Riskerna kon<span class=\"__14 _b_13\"/>trolleras och f\u00f6ljs r<span class=\"__14 _1058\"/>egelbundet upp mot risklimiterna f\u00f6r a<span class=\"__14 _b_13\"/>tt s\u00e4kerst\u00e4lla att risktagande sk<span class=\"__14 _b_13\"/>er inom risktoler<span class=\"__14 _b_13\"/>ansen.<span class=\"__14 _1ce\"> </span>\u2022 <span class=\"__14 _1f_10\"> </span>Process f<span class=\"__14 _b_13\"/>\u00f6r hantering av \u00f6<span class=\"__14 _b_13\"/>vertr\u00e4delser av risk<span class=\"__14 _b_13\"/>toleranslim-<span class=\"__14 _1ce\"> </span>iter: Group Risk och Group Complianc<span class=\"__14 _b_13\"/>e ser till att \u00f6ver-<span class=\"__14 _1ce\"> </span>tr\u00e4delser a<span class=\"__14 _b_13\"/>v risktoleranslimiter esk<span class=\"__14 _1058\"/>aleras till riskkommitt<span class=\"__14 _1058\"/>\u00e9n och styrelsens riskk<span class=\"__14 _1058\"/>ommitt. Group Risk och Group Compli-<span class=\"__14 _1ce\"> </span>ance rapporterar v<span class=\"__14 _b_13\"/>arje m\u00e5nad om eventuella \u00f6vertr\u00e4dels<span class=\"__14 _1058\"/>er av risk<span class=\"__14 _b_13\"/>tolerans till koncernstyr<span class=\"__14 _b_13\"/>elsen och andra ber\u00f6rda styrande or<span class=\"__14 _1058\"/>gan, inklusive en uppf<span class=\"__14 _b_13\"/>\u00f6ljning av de \u00e5tg\u00e4r<span class=\"__14 _b_13\"/>der som ska vidtas, till dess att risk<span class=\"__14 _b_13\"/>en \u00e5terigen \u00e4r inom risktol-<span class=\"__14 _1ce\"> </span>eransen. Rapporten inneh\u00e5ller en sta<span class=\"__14 _b_13\"/>tusindikator som anger aktuell riskniv<span class=\"__14 _1058\"/>\u00e5 i f\u00f6rh\u00e5llande till risk<span class=\"__14 _b_13\"/>toleranslimiten f\u00f6r alla risk<span class=\"__14 _b_13\"/>typer som omfa<span class=\"__14 _1058\"/>ttas av riskf<span class=\"__14 _b_13\"/>\u00f6rklaringarna.<span class=\"__14 _1ce\"> </span>Inf\u00f6rliva risk<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">toleransen i aff\u00e4rsprocesserna<span class=\"__14 _1ce\"> </span></span>Hela processen f<span class=\"__14 _b_13\"/>\u00f6r risktolerans har k<span class=\"__14 _1058\"/>opplats till andra s<span class=\"__14 _b_13\"/>trate-<span class=\"__14 _1ce\"> </span>giska processer<span class=\"__14 _1c_10\"/>, bland annat den interna kapital<span class=\"__14 _1058\"/>utv\u00e4rde-<span class=\"__14 _1ce\"> </span>ringen (IKU), den in<span class=\"__14 _b_13\"/>terna likviditetsutv\u00e4rderingen (IL<span class=\"__14 _b_13\"/>U) och \u00e5terh\u00e4m<span class=\"__14 _b_13\"/>tningsplaneringen.<span class=\"__14 _1ce\"> </span>Risktoler<span class=\"__14 _b_13\"/>ansen har inf\u00f6rliv<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ats i aff</span><span class=\"__14 _b_13\"/>\u00e4r<span class=\"__14 _1072\"/>sprocesserna och k<span class=\"__14 _1058\"/>om-<span class=\"__14 _1ce\"> </span>municera<span class=\"__14 _1058\"/>ts i organisationen i syfte att uppn\u00e5 Nor<span class=\"__14 _b_13\"/>deas m\u00e5l om att uppr\u00e4<span class=\"__14 _b_13\"/>tth\u00e5lla en sund riskkultur<span class=\"__14 _b_13\"/>. Detta ska s\u00e4kerst\u00e4lla en stark koppling mellan den f<span class=\"__14 _b_13\"/>astst\u00e4llda riskt<span class=\"__14 _b_13\"/>oleransen och <span class=\"__14 _1ce\">aff\u00e4rsplanerna och budgetarna sam</span><span class=\"__14 _b_13\"/>t kapital- och likviditets-<span class=\"__14 _1ce\"> </span>positionen. Risktoler<span class=\"__14 _b_13\"/>ansen beaktas ocks\u00e5 i koncernens bed\u00f6mningar av m\u00f6jlighet<span class=\"__14 _1058\"/>erna till \u00e5terh\u00e4m<span class=\"__14 _b_13\"/>tning och resolu-<span class=\"__14 _1ce\"> </span>tion samt i incitamen<span class=\"__14 _b_13\"/>tsstrukturen och r<span class=\"__14 _1058\"/>amverket f<span class=\"__14 _b_13\"/>\u00f6r ers\u00e4tt-<span class=\"__14 _1ce\"> </span>ningar<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>1.4 Upplysningskra<span class=\"__14 _b_13\"/>v enligt kapitalt\u00e4ckningsf<span class=\"__14 _b_13\"/>\u00f6rordningen \u2013 Nordeas kapital- och riskhan<span class=\"__14 _b_13\"/>teringsrapport 2022<span class=\"__14 _1ce\"> </span>Ytterligare uppl<span class=\"__14 _1058\"/>ysningar om risk- och kapitalhan<span class=\"__14 _b_13\"/>tering \ufb01nns i Nordeas kapital- och riskhan<span class=\"__14 _b_13\"/>teringsrapport f\u00f6r 2022 (<span class=\"__14 _1058\"/>Capital and Risk Management R<span class=\"__14 _1058\"/>eport 2021), i enlighet med kapital-<span class=\"__14 _1ce\"> </span>t\u00e4ckningsf\u00f6r<span class=\"__14 _b_13\"/>ordningen (CRR).<span class=\"__14 _1ce\"> </span>198<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>2. Kreditrisk Krediter i Nordea be<span class=\"__14 _1058\"/>viljas enligt de gemensamma principer som fas<span class=\"__14 _b_13\"/>tst\u00e4llts f\u00f6r konc<span class=\"__14 _b_13\"/>ernen. Nordea str\u00e4v<span class=\"__14 _b_13\"/>ar efter att ha en v\u00e4ldiversi\ufb01erad kr<span class=\"__14 _b_13\"/>editpor<span class=\"__14 _1072\"/>tf\u00f6lj som anpassats till s<span class=\"__14 _b_13\"/>trukturen p\u00e5 koncernens hemmamarknader<span class=\"__14 _b_13\"/>. Nordeas kreditportf<span class=\"__14 _1058\"/>\u00f6lj \u00e4r upp-<span class=\"__14 _1ce\"> </span>delad efter typ a<span class=\"__14 _b_13\"/>v exponeringsklass (f\u00f6retag och priv<span class=\"__14 _b_13\"/>atkun-<span class=\"__14 _1ce\"> </span>der) eller sekt<span class=\"__14 _1058\"/>or<span class=\"__14 _b_13\"/>, och d\u00e4refter ytterligare indelad i s<span class=\"__14 _1058\"/>egment, bransch och region. Rapportering sker m\u00e5nadsvis, kv<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>talsvis och \u00e5rsvis. Huvudprinciperna f\u00f6r han<span class=\"__14 _b_13\"/>teringen av Nordeas kreditrisk \u00e4r:<span class=\"__14 _1ce\"> </span>\u2022 <span class=\"__14 _1f_10\"> </span>riskbaserat f<span class=\"__14 _b_13\"/>\u00f6rh\u00e5llningss\u00e4tt, det vill s\u00e4ga riskhanterings-<span class=\"__14 _1ce\"> </span>funk<span class=\"__14 _1058\"/>tionerna ska vara anpassade eft<span class=\"__14 _b_13\"/>er verksamhetens art<span class=\"__14 _1072\"/>, omf<span class=\"__14 _b_13\"/>attning och komplexitet, och d\u00e4rmed s\u00e4kerst\u00e4lla att de \u00e5tg\u00e4rder s<span class=\"__14 _1058\"/>om vidtas st\u00e5r i proportion till riskerna \u2022 <span class=\"__14 _1f_10\"> </span>oberoende, det vill s\u00e4ga riskkon<span class=\"__14 _b_13\"/>trollfunktionen ska var<span class=\"__14 _b_13\"/>a oberoende i f<span class=\"__14 _1058\"/>\u00f6rh\u00e5llande till den verksamhet man kontr<span class=\"__14 _b_13\"/>ollerar<span class=\"__14 _1ce\"> </span>\u2022 <span class=\"__14 _1f_10\"> </span>de tre f<span class=\"__14 _1058\"/>\u00f6rsvarslinjerna, enligt beskrivningen i koncerndirek<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>tivet om int<span class=\"__14 _b_13\"/>ern styrning (Group Board Dir<span class=\"__14 _1058\"/>ective on Internal Governance<span class=\"__14 _b_13\"/>).<span class=\"__14 _1ce\"> </span>Group Credit Managemen<span class=\"__14 _b_13\"/>t utg\u00f6r den f\u00f6rsta f<span class=\"__14 _1058\"/>\u00f6rsvarslinjen och ansvarar f<span class=\"__14 _b_13\"/>\u00f6r kreditprocessen liksom f<span class=\"__14 _b_13\"/>\u00f6r de branschspeci\ufb01ka riktlinjerna f<span class=\"__14 _b_13\"/>\u00f6r kreditgivning. Group Credit Risk Con<span class=\"__14 _b_13\"/>trol \u00e4r den andra f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>svarslinjen och ansvarar f<span class=\"__14 _b_13\"/>\u00f6r ramverket f<span class=\"__14 _b_13\"/>\u00f6r kreditrisk, som utg\u00f6rs av ins<span class=\"__14 _b_13\"/>truktioner och riktlinjer f<span class=\"__14 _b_13\"/>\u00f6r koncernen. Group Credit Risk Con<span class=\"__14 _b_13\"/>trol ansvarar ocks\u00e5 f<span class=\"__14 _1058\"/>\u00f6r att kon<span class=\"__14 _b_13\"/>trollera och \u00f6vervaka kv<span class=\"__14 _b_13\"/>aliteten i kreditportf\u00f6ljen och kreditproce<span class=\"__14 _1058\"/>s-<span class=\"__14 _1ce\"> </span>sen.<span class=\"__14 _1ce\"> </span>Grunden f\u00f6r han<span class=\"__14 _b_13\"/>tering av kreditrisk i Nordea \u00e4r allok<span class=\"__14 _b_13\"/>ering av limit<span class=\"__14 _1058\"/>er till kunder och grupper a<span class=\"__14 _b_13\"/>v kunder som l\u00e4ggs sam-<span class=\"__14 _1ce\"> </span>man och f\u00f6r<span class=\"__14 _1058\"/>delas p\u00e5 enheter som ansvar<span class=\"__14 _b_13\"/>ar f\u00f6r den l\u00f6pande uppf\u00f6ljningen. Ut<span class=\"__14 _b_13\"/>\u00f6ver rutinerna f\u00f6r f<span class=\"__14 _b_13\"/>\u00f6rdelning av limiter f<span class=\"__14 _b_13\"/>\u00f6r kunder och kundgrupper innef<span class=\"__14 _b_13\"/>attar Nordeas ramv<span class=\"__14 _b_13\"/>erk f\u00f6r kre-<span class=\"__14 _1ce\"> </span>ditriskhantering \u00e4<span class=\"__14 _b_13\"/>ven anvisningar om kreditrisk<span class=\"__14 _b_13\"/>tolerans, som ger ett m\u00e5ngsidigt och riskbaserat portf<span class=\"__14 _b_13\"/>\u00f6ljper<span class=\"__14 _1072\"/>spektiv tack vare r<span class=\"__14 _1058\"/>elevan<span class=\"__14 _b_13\"/>ta m\u00e5tt f\u00f6r tillg\u00e5ngskvalit<span class=\"__14 _1058\"/>et och koncen<span class=\"__14 _b_13\"/>trations-<span class=\"__14 _1ce\"> </span>risk. V<span class=\"__14 _b_13\"/>arje division/enhet har huvudansvar<span class=\"__14 _b_13\"/>et f\u00f6r hantering a<span class=\"__14 _b_13\"/>v kreditrisk i sina respek<span class=\"__14 _b_13\"/>tive verksamheter<span class=\"__14 _b_13\"/>, inom till\u00e4mpliga ramar och limiter<span class=\"__14 _1c_10\"/>, med bland annat identi\ufb01ering, kontr<span class=\"__14 _b_13\"/>oll och rapportering a<span class=\"__14 _1058\"/>v risker<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>Beslutsfa<span class=\"__14 _b_13\"/>ttande kreditinstanser p\u00e5 olika niv\u00e5er i or<span class=\"__14 _b_13\"/>ganisa-<span class=\"__14 _1ce\"> </span>tionen fas<span class=\"__14 _1058\"/>tst\u00e4ller in<span class=\"__14 _b_13\"/>terna kreditrisklimiter inom ramen f\u00f6r de befogenhet<span class=\"__14 _1058\"/>er som styrelsen till<span class=\"__14 _1058\"/>delat. Dessa kreditrisklimiter motsvar<span class=\"__14 _b_13\"/>ar Nordeas maximala risktolerans gen<span class=\"__14 _b_13\"/>temot kunden i fr\u00e5ga. Individuella kr<span class=\"__14 _1058\"/>editbeslut inom godk\u00e4nda kreditrisklimi-<span class=\"__14 _1ce\"> </span>ter fa<span class=\"__14 _b_13\"/>ttas av den kundansvariga enhet<span class=\"__14 _b_13\"/>en. Kundens riskkate-<span class=\"__14 _1ce\"> </span>gori och samlade kredite<span class=\"__14 _b_13\"/>xponering avg\u00f6r p\u00e5 vilken niv<span class=\"__14 _1058\"/>\u00e5 kre-<span class=\"__14 _1ce\"> </span>ditbeslutet tas. <span class=\"__14 _b_13\"/>Ansvaret f\u00f6r en kr<span class=\"__14 _1058\"/>editrisk ligger hos den kund-<span class=\"__14 _1ce\"> </span>ansvariga enheten. Kunderna riskklassi\ufb01c<span class=\"__14 _b_13\"/>eras och tilldelas en rating eller sc<span class=\"__14 _b_13\"/>oring i enlighet med Nordeas riktlinjer p\u00e5 omr\u00e5-<span class=\"__14 _1ce\"> </span>det. Riskklassningen sy<span class=\"__14 _1072\"/>ftar till att f<span class=\"__14 _b_13\"/>astst\u00e4lla sannolikheten f\u00f6r fallissemang, vilk<span class=\"__14 _1058\"/>et inneb\u00e4r att kunderna r<span class=\"__14 _b_13\"/>ankas utifr\u00e5n risken f\u00f6r f<span class=\"__14 _b_13\"/>allissemang. Rating och scoring ing\u00e5r i kreditriskhan<span class=\"__14 _b_13\"/>te-<span class=\"__14 _1ce\"> </span>ringen och kreditbeslutsproc<span class=\"__14 _b_13\"/>essen. Oberoende represen<span class=\"__14 _1058\"/>tan-<span class=\"__14 _1ce\"> </span>ter fr\u00e5n kr<span class=\"__14 _b_13\"/>editorganisationens f\u00f6rst<span class=\"__14 _1058\"/>a f\u00f6rsvarslinje godk\u00e4nner ratingen.<span class=\"__14 _1ce\"> </span>2.<span class=\"__14 _b_13\"/>1 De\ufb01nition och identi\ufb01ering a<span class=\"__14 _b_13\"/>v kreditrisk<span class=\"__14 _1ce\"> </span>Kreditrisk de\ufb01nieras som risk<span class=\"__14 _b_13\"/>en f\u00f6r f\u00f6rlus<span class=\"__14 _b_13\"/>t om en l\u00e5ntagare inte kan f<span class=\"__14 _b_13\"/>ullg\u00f6ra sina betalningsskyldigheter f\u00f6r ett l\u00e5n i enlighet med avtalade villk<span class=\"__14 _b_13\"/>or. F<span class=\"__14 _b_13\"/>\u00f6r att minska f\u00f6rl<span class=\"__14 _1058\"/>ustrisken anv\u00e4nds olika met<span class=\"__14 _1058\"/>oder f\u00f6r riskhan<span class=\"__14 _b_13\"/>tering. Kreditrisk uppkom-<span class=\"__14 _1ce\"> </span>mer huvudsakligen genom olika typer av utl\u00e5ning, liks<span class=\"__14 _1058\"/>om genom garan<span class=\"__14 _1058\"/>tier och remburser<span class=\"__14 _b_13\"/>, och innefatt<span class=\"__14 _1058\"/>ar motpartskre-<span class=\"__14 _1ce\"> </span>ditrisk, transfer<span class=\"__14 _b_13\"/>eringsrisk och avvecklingsrisk.<span class=\"__14 _1ce\"> </span>Nordeas kreditportf\u00f6lj \u00e4r ocks\u00e5 uppdelad eft<span class=\"__14 _b_13\"/>er segment, bransch och region. Br<span class=\"__14 _b_13\"/>anschspeci\ufb01ka kreditpolicyer \ufb01nns f\u00f6r<span class=\"__14 _1ce\"> </span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>Kreditkommitt<span class=\"__14 _b_13\"/>\u00e9struktur<span class=\"__14 _1ce\"> </span>Styrelsen/<span class=\"__14 _1058\"/>styrelsens riskkommitt\u00e9<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Chief Executive Offic</span><span class=\"__14 _1058\"/>er (CE<span class=\"__14 _b_13\"/>O) Credit Committee / Executive Cr<span class=\"__14 _b_13\"/>edit Committee<span class=\"__14 _1ce\"> </span>T<span class=\"__14 _b_13\"/>re separata besl<span class=\"__14 _b_13\"/>utsfattare (kunder med ra<span class=\"__14 _1058\"/>ting)<span class=\"__14 _1ce\"> </span>Kreditkommitt\u00e9  f\u00f6r <span class=\"__14 _1075\"> </span>skuld -<span class=\"ws0_14\"> </span>\ufb01nansierade  utk\u00f6p samt  fusioner och  f\u00f6rv\u00e4rv<span class=\"__14 _1ce\"> </span>Kreditkommitt\u00e9  f\u00f6r in<span class=\"__14 _1058\"/>ternationella  banker<span class=\"__14 _b_13\"/>, <span class=\"__14 _1075\"> </span>l\u00e4nder <span class=\"__14 _1075\"> </span><span class=\"ws0_14\"> </span>och \ufb01nansinstitut<span class=\"__14 _1ce\"> </span>Kreditkommitt\u00e9  f\u00f6r f<span class=\"__14 _b_13\"/>\u00f6retag,  <span class=\"__14 _1069\"/> Business  Banking<span class=\"__14 _1ce\"> </span>Kreditkommitt\u00e9  f\u00f6r <span class=\"__14 _1075\"> </span>f<span class=\"__14 _b_13\"/>astighets -<span class=\"ws0_14\"> </span>bolag, industri  och byggindustri<span class=\"__14 _1ce\"> </span>Kreditkommitt\u00e9  f\u00f6r sj\u00f6f<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>ts    <span class=\"__14 _1ce\">och offshore-<span class=\"__14 _1ce\"> </span></span>verksamhet<span class=\"__14 _1ce\"> </span>Kreditkommitt\u00e9  f\u00f6r f<span class=\"__14 _b_13\"/>\u00f6retag,  stora f<span class=\"__14 _b_13\"/>\u00f6retag  och institut<span class=\"__14 _1ce\"> </span>Kreditkommitt\u00e9  f\u00f6r retailk<span class=\"__14 _b_13\"/>under  Norden<span class=\"__14 _1ce\"> </span>T<span class=\"__14 _b_13\"/>v\u00e5 separata beslutsf<span class=\"__14 _b_13\"/>attare (kunder med scoring) \u2013 tv\u00e5 senior<span class=\"__14 _b_13\"/>a  <span class=\"__14 _1069\"/>besl<span class=\"__14 _1058\"/>utsfattar<span class=\"__14 _b_13\"/>e fr\u00e5n Group Credit Management<span class=\"__14 _1ce\"> </span>T<span class=\"__14 _b_13\"/>v\u00e5 separata beslutsf<span class=\"__14 _b_13\"/>attare<span class=\"__14 _1ce\"> </span>Individuella befogenheter<span class=\"__14 _1ce\"> </span>Niv\u00e5 1<span class=\"__14 _1ce\"> </span>Niv\u00e5 2<span class=\"__14 _1ce\"> </span>Niv\u00e5 3<span class=\"__14 _1ce\"> </span>Niv\u00e5 4<span class=\"__14 _1ce\"> </span>Niv\u00e5 5<span class=\"__14 _1ce\"> </span>Niv\u00e5 6<span class=\"__14 _1ce\"> </span>199<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>de branscher som utg\u00f6r en bety<span class=\"__14 _b_13\"/>dande andel av portf\u00f6ljen och/<span class=\"__14 _1058\"/>eller som antingen \u00e4r v<span class=\"__14 _b_13\"/>\u00e4ldigt konjunkturk\u00e4nsliga/volatila eller kr\u00e4<span class=\"__14 _b_13\"/>ver speci\ufb01ka branschkunskaper<span class=\"__14 _1c_10\"/>.<span class=\"__14 _1ce\"> </span>Kreditbesluten f<span class=\"__14 _b_13\"/>attas efter en bed\u00f6mning a<span class=\"__14 _1058\"/>v kreditrisken  <span class=\"__14 _d_13\"/>utifr\u00e5n principer som fas<span class=\"__14 _b_13\"/>tst\u00e4llts p\u00e5 ett konsekven<span class=\"__14 _b_13\"/>t s\u00e4tt f\u00f6r hela koncernen. Dessa principer betonar beho<span class=\"__14 _b_13\"/>vet att anpassa bed\u00f6mningens detaljniv\u00e5 och om<span class=\"__14 _1058\"/>fa<span class=\"__14 _1058\"/>ttning efter risken. Samma kreditriskbed\u00f6mning anv<span class=\"__14 _1058\"/>\u00e4nds som underlag f\u00f6r den in<span class=\"__14 _b_13\"/>terna riskklassi\ufb01ceringen. Kreditbeslut<span class=\"__14 _1058\"/>en i Nordea speglar koncer-<span class=\"__14 _1ce\"> </span>nens syn p\u00e5 b\u00e5de kundrela<span class=\"__14 _1058\"/>tionen och kreditrisken.<span class=\"__14 _1ce\"> </span>ESG-fak<span class=\"__14 _1058\"/>torer bed\u00f6ms var<span class=\"__14 _b_13\"/>a en v\u00e4sentlig eller pot<span class=\"__14 _1058\"/>entiellt v\u00e4sen<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">tlig k\u00e4lla till kreditrisk. I aff\u00e4rsomr\u00e5desa</span><span class=\"__14 _b_13\"/>vsnitten, h\u00e5ll-<span class=\"__14 _1ce\"> </span>barhetsnoterna och P<span class=\"__14 _b_13\"/>elare 3-rapporten ger Nordea en f\u00f6rdju-<span class=\"__14 _1ce\"> </span>pad sammanf<span class=\"__14 _b_13\"/>attning av utfall<span class=\"__14 _1058\"/>et fr\u00e5n v<span class=\"__14 _b_13\"/>\u00e4sentlighetsbed\u00f6m-<span class=\"__14 _1ce\"> </span>ningen, liksom av iden<span class=\"__14 _b_13\"/>ti\ufb01ering, begr\u00e4nsning, hantering, kapi-<span class=\"__14 _1ce\"> </span>talt\u00e4ckning och \u00e5t<span class=\"__14 _b_13\"/>g\u00e4rder g\u00e4llande ESG-faktorer s<span class=\"__14 _1058\"/>om riskk\u00e4lla.<span class=\"__14 _1ce\"> </span>Den samlade kreditriskbed\u00f6mningen speglar risken g\u00e4l-<span class=\"__14 _1ce\"> </span>lande b\u00e5de l\u00e5ntagar<span class=\"__14 _1058\"/>ens \u00e5terbetalningskapacit<span class=\"__14 _1058\"/>et och m\u00f6jlig-<span class=\"__14 _1ce\"> </span>heterna till \u00e5tervinning. Slutsats<span class=\"__14 _1058\"/>en ska vara tillr<span class=\"__14 _b_13\"/>\u00e4ckligt fram\u00e5t-<span class=\"__14 _1ce\"> </span>blickande i f\u00f6rh\u00e5llande till k<span class=\"__14 _b_13\"/>undens riskpro\ufb01l och l\u00e5nets l\u00f6p-<span class=\"__14 _1ce\"> </span>tid.<span class=\"__14 _1ce\"> </span>F\u00f6rut<span class=\"__14 _1058\"/>om kreditriskbed\u00f6mningen i samband med ny eller f\u00f6r<span class=\"__14 _b_13\"/>\u00e4ndrad exponering gent<span class=\"__14 _1058\"/>emot en kund g\u00f6rs ocks\u00e5 en \u00e5rsf\u00f6-<span class=\"__14 _1ce\"> </span>redragning alt<span class=\"__14 _b_13\"/>ernativt kontinuerlig kreditgr<span class=\"__14 _b_13\"/>anskning. Denna granskning \u00e4r en vik<span class=\"__14 _1058\"/>tig del av den l\u00f6pande kr<span class=\"__14 _b_13\"/>editbed\u00f6m-<span class=\"__14 _1ce\"> </span>ningen.<span class=\"__14 _1ce\"> </span>Om en svaghet uppt\u00e4cks i en k<span class=\"__14 _b_13\"/>undexponering klassi\ufb01ceras kunden som \u201dh\u00f6griskkund\u201d och h\u00e5lls under s\u00e4rskild uppsik<span class=\"__14 _b_13\"/>t med t\u00e4tare gr<span class=\"__14 _b_13\"/>anskning. Ut\u00f6ver den fortl\u00f6pande kon<span class=\"__14 _b_13\"/>trollen fas<span class=\"__14 _1058\"/>tst\u00e4lls en \u00e5t<span class=\"__14 _b_13\"/>g\u00e4rdsplan som anger hur den eventuella kre-<span class=\"__14 _1ce\"> </span>ditf\u00f6rlus<span class=\"__14 _b_13\"/>ten ska minimeras. Om s\u00e5 kr\u00e4<span class=\"__14 _b_13\"/>vs inr\u00e4ttas ett s\u00e4rskilt team som ska st<span class=\"__14 _1058\"/>\u00f6dja den kundansvariga enhet<span class=\"__14 _1058\"/>en.<span class=\"__14 _1ce\"> </span>2.2 Begr\u00e4nsning av kr<span class=\"__14 _b_13\"/>editrisk<span class=\"__14 _1ce\"> </span>Begr\u00e4nsning a<span class=\"__14 _b_13\"/>v kreditrisken g\u00f6rs inom ramen f\u00f6r kreditbe-<span class=\"__14 _1ce\"> </span>slutsprocessen. I v<span class=\"__14 _b_13\"/>arje kreditbeslut och kreditgranskning beaktas v<span class=\"__14 _b_13\"/>\u00e4rdet av s\u00e4kerheter och ev<span class=\"__14 _b_13\"/>entuella kovenan<span class=\"__14 _b_13\"/>ter samt andra riskbegr\u00e4nsande \u00e5<span class=\"__14 _b_13\"/>tg\u00e4rder<span class=\"__14 _b_13\"/>. St\u00e4llande av s\u00e4kerhet \u00e4r en grundl\u00e4ggande metod f\u00f6r riskbegr<span class=\"__14 _b_13\"/>\u00e4nsningen i Nordea. S\u00e4ker-<span class=\"__14 _1ce\"> </span>het beg\u00e4rs alltid n\u00e4r s\u00e5 \u00e4r rimligt och m\u00f6jligt, i sy<span class=\"__14 _1072\"/>fte att mini-<span class=\"__14 _1ce\"> </span>mera risken f<span class=\"__14 _b_13\"/>\u00f6r kreditf\u00f6rlust.<span class=\"__14 _1ce\"> </span>I Nordea utg\u00f6rs s\u00e4kerheterna f<span class=\"__14 _b_13\"/>r\u00e4mst av f<span class=\"__14 _b_13\"/>astigheter<span class=\"__14 _b_13\"/>, f\u00f6re-<span class=\"__14 _1ce\"> </span>tagsinteckningar och l<span class=\"__14 _1058\"/>easingobjekt. S\u00e4kerhetst\u00e4ckningen ska generellt var<span class=\"__14 _b_13\"/>a h\u00f6gre f\u00f6r \ufb01nansiellt sv<span class=\"__14 _1058\"/>agare kunder \u00e4n f<span class=\"__14 _b_13\"/>\u00f6r de som \u00e4r \ufb01nansiellt stark<span class=\"__14 _1058\"/>are.<span class=\"__14 _1ce\"> </span>Oberoende a<span class=\"__14 _b_13\"/>v s\u00e4kerhetst\u00e4ckningen s\u00e5 \u00e4r \u00e5terbetalningska<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>paciteten utg\u00e5ngspunk<span class=\"__14 _b_13\"/>ten i kreditbed\u00f6mningen och f\u00f6rdel<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>ningen av kr<span class=\"__14 _b_13\"/>editlimiter<span class=\"__14 _1058\"/>. F\u00f6r s<span class=\"__14 _b_13\"/>tora krediter anv<span class=\"__14 _1058\"/>\u00e4nds huvudsak-<span class=\"__14 _1ce\"> </span>ligen syndikering a<span class=\"__14 _b_13\"/>v l\u00e5n som metod f\u00f6r att han<span class=\"__14 _b_13\"/>tera koncentr<span class=\"__14 _b_13\"/>a-<span class=\"__14 _1ce\"> </span>tionsrisk, medan kreditderivat endas<span class=\"__14 _b_13\"/>t anv\u00e4nds i begr\u00e4nsad omf<span class=\"__14 _b_13\"/>attning. Kovenan<span class=\"__14 _b_13\"/>ter i kreditavtal an<span class=\"__14 _b_13\"/>v\u00e4nds som komple-<span class=\"__14 _1ce\"> </span>ment till s\u00e4ker <span class=\"__14 _d_13\"/>heter<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>De flesta e<span class=\"__14 _b_13\"/>xponeringar av betydande st<span class=\"__14 _1058\"/>orlek och komple<span class=\"__14 _1058\"/>xi-<span class=\"__14 _1ce\"> </span>tet omf<span class=\"__14 _b_13\"/>attar l\u00e4mpliga kovenan<span class=\"__14 _b_13\"/>ter<span class=\"__14 _b_13\"/>. Kovenan<span class=\"__14 _1058\"/>ter ger tidiga var-<span class=\"__14 _1ce\"> </span>ningssignaler s\u00e5 att Nordea kan upp<span class=\"__14 _b_13\"/>t\u00e4cka, och vidta \u00e5tg\u00e4rder<span class=\"__14 _b_13\"/>, om kreditkvalitet<span class=\"__14 _b_13\"/>en eller l\u00e5ntagarens ekonomi generell<span class=\"__14 _1058\"/>t skulle f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>s\u00e4mras. Brott mo<span class=\"__14 _b_13\"/>t kovenanterna inneb\u00e4r a<span class=\"__14 _b_13\"/>tt Nordea kan s\u00e4ga upp l\u00e5net/krediten och beg\u00e4ra \u00e5<span class=\"__14 _1058\"/>terbetalning a<span class=\"__14 _b_13\"/>v det utest\u00e5ende beloppet.<span class=\"__14 _1ce\"> </span>S\u00e4kerhetsv\u00e4rdet sk<span class=\"__14 _1058\"/>a alltid baseras p\u00e5 marknadsv<span class=\"__14 _b_13\"/>\u00e4rdet<span class=\"__14 _1072\"/>. Marknadsv\u00e4rdet de\ufb01nier<span class=\"__14 _b_13\"/>as som det ber\u00e4knade v\u00e4rdet till vil-<span class=\"__14 _1ce\"> </span>ket en villig s\u00e4ljare skulle \u00f6<span class=\"__14 _b_13\"/>verl\u00e5ta tillg\u00e5ngen eller skulden till en i f\u00f6rh\u00e5llande till s\u00e4ljar<span class=\"__14 _1058\"/>en oberoende k\u00f6pare p\u00e5 v<span class=\"__14 _b_13\"/>\u00e4rderings-<span class=\"__14 _1ce\"> </span>dagen efter l\u00e4mplig marknadsf<span class=\"__14 _1058\"/>\u00f6ring d\u00e4r b\u00e5da parterna har agerat med insik<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>, f\u00f6rsiktighet och ut<span class=\"__14 _1058\"/>an tv\u00e5ng. F<span class=\"__14 _1058\"/>r\u00e5n detta marknadsv\u00e4rde g\u00f6rs ett a<span class=\"__14 _b_13\"/>vdrag f\u00f6r a<span class=\"__14 _1058\"/>tt ber\u00e4kna s\u00e4kerhetsv<span class=\"__14 _1058\"/>\u00e4r-<span class=\"__14 _1ce\"> </span>det. A<span class=\"__14 _b_13\"/>vdraget \u00e4r en procen<span class=\"__14 _b_13\"/>tsats med vilken tillg\u00e5ngens mark-<span class=\"__14 _1ce\"> </span>nadsv\u00e4rde minskas f<span class=\"__14 _b_13\"/>\u00f6r att ha en marginal i h\u00e4ndelse a<span class=\"__14 _b_13\"/>v f\u00f6r-<span class=\"__14 _1ce\"> </span>lust. A<span class=\"__14 _b_13\"/>vdraget ska spegla sv<span class=\"__14 _b_13\"/>\u00e4ngningarna i tillg\u00e5ngens mark-<span class=\"__14 _1ce\"> </span>nadsv\u00e4rde, likviditet och f<span class=\"__14 _b_13\"/>\u00f6rs\u00e4ljningskostnad. F\u00f6r v<span class=\"__14 _b_13\"/>arje s\u00e4kerhetskategori \ufb01nns ett mins<span class=\"__14 _b_13\"/>ta avdrag f<span class=\"__14 _b_13\"/>r\u00e5n marknadsv\u00e4r-<span class=\"__14 _1ce\"> </span>det. Ut\u00f6ver detta a<span class=\"__14 _b_13\"/>vdrag g\u00f6rs \u00e4ven a<span class=\"__14 _b_13\"/>vdrag fr<span class=\"__14 _1058\"/>\u00e5n marknadsv\u00e4r-<span class=\"__14 _1ce\"> </span>det f\u00f6r ev<span class=\"__14 _b_13\"/>entuella prioriterade f<span class=\"__14 _b_13\"/>ordringar n\u00e4r det h\u00f6gsta s\u00e4kerhetsv\u00e4rdet sk<span class=\"__14 _1058\"/>a ber\u00e4knas.<span class=\"__14 _1ce\"> </span>Samma ber\u00e4kningsprinciper ska anv<span class=\"__14 _b_13\"/>\u00e4ndas f\u00f6r alla krediter<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>2.3 F\u00f6r<span class=\"__14 _b_13\"/>delning av s\u00e4kerheter<span class=\"__14 _1ce\"> </span>F\u00f6r<span class=\"__14 _1058\"/>delningen av s\u00e4k<span class=\"__14 _b_13\"/>erheter f\u00f6rblev i stort sett of<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndrad <span class=\"__14 _1ce\">under 2022, med 93 procen</span><span class=\"__14 _b_13\"/>t (93 procent) a<span class=\"__14 _1058\"/>v s\u00e4kerheterna i bostadsf<span class=\"__14 _b_13\"/>astigheter och kommersiella fastigheter<span class=\"__14 _1c_10\"/>. De kommer-<span class=\"__14 _1ce\"> </span>siella fas<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">tigheternas andel minskade till 17 proc</span><span class=\"__14 _b_13\"/>ent (18 pro-<span class=\"__14 _1ce\"> </span>cent) medan den f<span class=\"__14 _b_13\"/>\u00f6r bostadsfas<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">tigheter \u00f6kade till 76 proc</span><span class=\"__14 _b_13\"/>ent (75 procen<span class=\"__14 _b_13\"/>t). Andelarna f\u00f6r \u00f6vriga typer a<span class=\"__14 _b_13\"/>v s\u00e4kerheter var i stort sett of<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndrade under 2022.<span class=\"__14 _1ce\"> </span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>Maximal exponering f<span class=\"__14 _b_13\"/>\u00f6r kreditrisk 31 dec 2022<span class=\"__14 _1077\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1078\"> </span><span class=\"ls13_11 ws39_5\">Not<span class=\"__14 _1ce\"> </span></span><span class=\"__14 _1ce\">Upplupet anskaff-<span class=\"__14 _1ce\"> </span></span>ningsv\u00e4rde och V<span class=\"__14 _b_13\"/>erkligt v\u00e4rde via \u00f6vrigt totalre<span class=\"__14 _1058\"/>sultat Finansiella tillg\u00e5ngar v\u00e4rderade till v<span class=\"__14 _1058\"/>erk-<span class=\"__14 _1ce\"> </span>ligt v\u00e4rde via resul<span class=\"__14 _1058\"/>-<span class=\"__14 _1ce\"> </span>tatr\u00e4kningen<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Upplupet anskaff-<span class=\"__14 _1ce\"> </span></span>ningsv\u00e4rde och V<span class=\"__14 _b_13\"/>erkligt v\u00e4rde via \u00f6vrigt totalre<span class=\"__14 _1058\"/>sultat Finansiella tillg\u00e5ngar v\u00e4rderade till v<span class=\"__14 _1058\"/>erk-<span class=\"__14 _1ce\"> </span>ligt v\u00e4rde via resul<span class=\"__14 _1058\"/>-<span class=\"__14 _1ce\"> </span>tatr\u00e4kningen<span class=\"__14 _1ce\"> </span>L\u00e5n till centr<span class=\"__14 _b_13\"/>albanker och kreditinstitut<span class=\"__14 _1079\"> </span>K3.7<span class=\"__14 _1080\"> </span>2 866<span class=\"__14 _1081\"> </span>2 621<span class=\"__14 _1082\"> </span>1 799<span class=\"__14 _1083\"> </span>596<span class=\"__14 _1ce\"> </span>L\u00e5n till allm\u00e4nheten<span class=\"__14 _1084\"> </span>K3.7<span class=\"__14 _1085\"> </span>276 760<span class=\"__14 _1086\"> </span>70 627<span class=\"__14 _2a_8\"> </span>272 07<span class=\"__14 _1072\"/>7<span class=\"__14 _2b_8\"> </span><span class=\"ls14_11 ws3a_5\">75 176<span class=\"__14 _1ce\"> </span></span>R\u00e4nteb\u00e4r<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ande v\u00e4rdepapper1 </span><span class=\"__14 _2c_8\"> </span>K3.8, K3.9<span class=\"__14 _1083\"> </span>36 158<span class=\"__14 _2b_8\"> </span>32 271<span class=\"__14 _1086\"> </span>37 4<span class=\"__14 _1072\"/>35<span class=\"__14 _2b_8\"> </span>27 631<span class=\"__14 _1ce\"> </span>Derivatinstrumen<span class=\"__14 _b_13\"/>t<span class=\"__14 _2d_8\"> </span>K3.<span class=\"__14 _b_13\"/>12<span class=\"__14 _2e_8\"> </span>\u2013<span class=\"__14 _1086\"> </span>36 578<span class=\"__14 _2f_8\"> </span>\u2013<span class=\"__14 _1087\"> </span>30 200<span class=\"__14 _1ce\"> </span>Garantier<span class=\"__14 _b_13\"/>/\u00e5<span class=\"__14 _b_13\"/>taganden, nominellt v\u00e4rde<span class=\"__14 _2a_8\"> </span>K7<span class=\"__14 _b_13\"/>.<span class=\"__14 _b_13\"/>1, K7<span class=\"__14 _b_13\"/>.2<span class=\"__14 _1088\"> </span>107 261<span class=\"__14 _1089\"> </span>228<span class=\"__14 _1090\"> </span>107 815<span class=\"__14 _1083\"> </span>366<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1091\"> </span>423 045<span class=\"__14 _2a_8\"> </span>142 325<span class=\"__14 _1092\"> </span>419 126<span class=\"__14 _1093\"> </span>133 969<span class=\"__14 _1ce\"> </span>1)  Inklusive Pan<span class=\"__14 _1058\"/>tsatta \ufb01nansiella instrumen<span class=\"__14 _1058\"/>t.<span class=\"__14 _1ce\"> </span>200<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>F\u00f6r<span class=\"__14 _b_13\"/>delning av s\u00e4kerheter<span class=\"__14 _1ce\"> </span>31 dec 2022<span class=\"__14 _1094\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span>Finansiella s\u00e4kerheter<span class=\"__14 _1095\"> </span>0,6 %<span class=\"__14 _1096\"> </span>0,7 %<span class=\"__14 _1ce\"> </span>Fordringar<span class=\"__14 _3a_9\"> </span>0,9 %<span class=\"__14 _3b_8\"> </span>0,8 %<span class=\"__14 _1ce\"> </span>Bostadsfas<span class=\"__14 _b_13\"/>tigheter<span class=\"__14 _3c_8\"> </span>75,5 %<span class=\"__14 _3d_8\"> </span>75,2 %<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _b_13\"/>\u00e4r<span class=\"__14 _1072\"/>sfastigheter<span class=\"__14 _3e_8\"> </span>17<span class=\"__14 _b_13\"/>,5 %<span class=\"__14 _3f_8\"> </span><span class=\"ls15_11 ws3b_5\">1<span class=\"__14 _1072\"/>7,<span class=\"__14 _1072\"/>7<span class=\"__14 _1066\"/> %<span class=\"__14 _1ce\"> </span></span>\u00d6vriga fysiska s\u00e4kerheter<span class=\"__14 _1097\"> </span>5,5 %<span class=\"__14 _1098\"> </span>5,6 %<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1099\"> </span>100,0 %<span class=\"__14 _1100\"> </span>100,0 %<span class=\"__14 _1ce\"> </span>Reserver f<span class=\"__14 _b_13\"/>\u00f6r kreditrisk<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1077\"> </span><span class=\"ls13_11 ws39_5\">Not<span class=\"__14 _1074\"> </span></span>31 dec 2022<span class=\"__14 _c_13\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span>L\u00e5n till centr<span class=\"__14 _b_13\"/>albanker och kreditinstitut<span class=\"__14 _e_13\"> </span>K3.7<span class=\"__14 _1101\"> </span>29<span class=\"__14 _1102\"> </span>3<span class=\"__14 _1ce\"> </span>L\u00e5n till allm\u00e4nheten<span class=\"__14 _1103\"> </span>K3.7<span class=\"__14 _1104\"> </span>1 644<span class=\"__14 _1096\"> </span>2 203<span class=\"__14 _1ce\"> </span>R\u00e4nteb\u00e4r<span class=\"__14 _1058\"/>ande v\u00e4rdepapper v\u00e4r<span class=\"__14 _b_13\"/>derade<span class=\"__14 _1ce\"> </span> till verkligt v\u00e4rde \u00f6<span class=\"__14 _b_13\"/>ver \u00f6vrigt totalresul-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">tat eller upplupet anskaff</span><span class=\"__14 _b_13\"/>ningsv\u00e4rde<span class=\"__14 _1063\"> </span>K3.8<span class=\"__14 _1105\"> </span>3<span class=\"__14 _1106\"> </span>15<span class=\"__14 _1ce\"> </span>Garantier<span class=\"__14 _b_13\"/>/\u00e5<span class=\"__14 _b_13\"/>taganden<span class=\"__14 _4a_6\"> </span>K6<span class=\"__14 _4b_6\"> </span>184<span class=\"__14 _4c_6\"> </span>183<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _4d_6\"> </span>1 860<span class=\"__14 _4e_6\"> </span>2 404<span class=\"__14 _1ce\"> </span>2.4 <span class=\"__14 _b_13\"/>Tillg\u00e5ngar \u00f6vertagna f\u00f6r skyddande a<span class=\"__14 _b_13\"/>v fordr<span class=\"__14 _b_13\"/>an<span class=\"__14 _1ce\"> </span>T<span class=\"__14 _1c_10\"/>abellen nedan visar \u00f6vertagna tillg\u00e5ngar per tillg\u00e5ngsslag.<span class=\"__14 _1ce\"> </span> Mark och byggnader utgjor<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">de 100 procent a</span><span class=\"__14 _b_13\"/>v de \u00f6vertagna<span class=\"__14 _1ce\"> </span> tillg\u00e5ngarna i slutet a<span class=\"__14 _b_13\"/>v december 2022. Under 2022 minskade<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">de \u00f6vertagna tillg\u00e5ngarna med 71 procen</span><span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>.<span class=\"__14 _1ce\"> </span> Tillg\u00e5ngar \u00f6vertagna f<span class=\"__14 _b_13\"/>\u00f6r skyddande av f<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ordran1<span class=\"__14 _1ce\"> </span></span>Mn euro<span class=\"__14 _4f_6\"> </span>31 dec 2022<span class=\"__14 _1094\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span>Oms\u00e4ttningstillg\u00e5ngar<span class=\"__14 _b_13\"/>, redovisat v<span class=\"__14 _b_13\"/>\u00e4rde:<span class=\"__14 _1ce\"> </span>Mark och byggnader<span class=\"__14 _1107\"> </span>2<span class=\"__14 _1102\"> </span>2<span class=\"__14 _1ce\"> </span>Aktier och \u00f6vriga andelar<span class=\"__14 _1108\"> </span>0<span class=\"__14 _1109\"> </span>4<span class=\"__14 _1ce\"> </span>\u00d6vriga tillg\u00e5ngar<span class=\"__14 _1110\"> </span>0<span class=\"__14 _1111\"> </span>1<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1112\"> </span>2<span class=\"__14 _1102\"> </span>7<span class=\"__14 _1ce\"> </span>1)   <span class=\"__14 _1069\"/>I enlighet med Nordeas riktlinjer f<span class=\"__14 _b_13\"/>\u00f6r egendom \u00f6vertagen f\u00f6r skyddande av f<span class=\"__14 _b_13\"/>ordran,<span class=\"__14 _1ce\"> </span> som f\u00f6ljer bankr\u00f6r<span class=\"__14 _1058\"/>elselagen i de l\u00e4nder d\u00e4r Nordea verkar<span class=\"__14 _b_13\"/>. Tillg\u00e5ngar som anv<span class=\"__14 _b_13\"/>\u00e4nds<span class=\"__14 _1ce\"> </span> som s\u00e4kerhet f\u00f6r l\u00e5net \u00f6<span class=\"__14 _1058\"/>vertas normalt n\u00e4r kunden int<span class=\"__14 _1058\"/>e l\u00e4ngre kan fullg\u00f6ra sina skyl-<span class=\"__14 _1ce\"> </span>digheter gentemot Nor<span class=\"__14 _b_13\"/>dea. \u00d6vertagna tillg\u00e5ngar avyttras senast n\u00e4r full \u00e5t<span class=\"__14 _1058\"/>ervinning<span class=\"__14 _1ce\"> </span> har uppn\u00e5tts.<span class=\"__14 _1ce\"> </span>2.5 Bel\u00e5ningsgrad<span class=\"__14 _1ce\"> </span>Bel\u00e5ningsgraden anses v<span class=\"__14 _b_13\"/>ara ett bra m\u00e5tt f<span class=\"__14 _1058\"/>\u00f6r att bed\u00f6ma<span class=\"__14 _1ce\"> </span> s\u00e4kerhetens kvalit<span class=\"__14 _b_13\"/>et<span class=\"__14 _1072\"/>. Den ber\u00e4knas genom att dividera kredit-<span class=\"__14 _1ce\"> </span>exponeringen med s\u00e4kerhet<span class=\"__14 _b_13\"/>ens marknadsv\u00e4rde. <span class=\"__14 _b_13\"/>T<span class=\"__14 _b_13\"/>abellen<span class=\"__14 _1ce\"> </span> visar hypoteks<span class=\"__14 _1058\"/>exponeringar som om<span class=\"__14 _b_13\"/>fattas a<span class=\"__14 _b_13\"/>v IRK-modell<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>,<span class=\"__14 _1ce\"> </span> f\u00f6r<span class=\"__14 _1058\"/>delade p\u00e5 olika intervall a<span class=\"__14 _b_13\"/>v bel\u00e5ningsgrad.<span class=\"__14 _1ce\"> </span>Bel\u00e5ningsgrad<span class=\"__14 _1ce\"> </span>31 dec 2022<span class=\"__14 _1113\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span>Bol\u00e5neexponering mot priv<span class=\"__14 _1058\"/>atkunder<span class=\"__14 _1ce\"> </span> (retailportf\u00f6ljen)<span class=\"__14 _1114\"> </span>Md euro<span class=\"__14 _1115\"> </span>%<span class=\"__14 _e_13\"> </span>Md euro<span class=\"__14 _1115\"> </span>%<span class=\"__14 _1ce\"> </span>&lt;50 %<span class=\"__14 _1116\"> </span>128,7<span class=\"__14 _5a_6\"> </span>84<span class=\"__14 _5b_6\"> </span>130,9<span class=\"__14 _4e_6\"> </span>83<span class=\"__14 _1ce\"> </span>50\u201370 %<span class=\"__14 _5c_6\"> </span>18,5<span class=\"__14 _1096\"> </span>12<span class=\"__14 _5d_6\"> </span>20,7<span class=\"__14 _1098\"> </span>13<span class=\"__14 _1ce\"> </span>70\u201380 %<span class=\"__14 _5e_6\"> </span><span class=\"ls16_11 ws3c_5\">3,7<span class=\"__14 _5f_6\"> </span></span>2<span class=\"__14 _1117\"> </span>4,0<span class=\"__14 _1118\"> </span>3<span class=\"__14 _1ce\"> </span>80\u201390 %<span class=\"__14 _1116\"> </span><span class=\"ls17_11 ws3d_5\">1,1<span class=\"__14 _1113\"> </span></span>1<span class=\"__14 _1119\"> </span><span class=\"ls17_11 ws3d_5\">1<span class=\"__14 _1072\"/>,1<span class=\"__14 _1113\"> </span></span>1<span class=\"__14 _1ce\"> </span>&gt;90 %<span class=\"__14 _3c_8\"> </span>0,9<span class=\"__14 _1120\"> </span>1<span class=\"__14 _1117\"> </span>0,8<span class=\"__14 _1121\"> </span>0<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1122\"> </span>152,9<span class=\"__14 _1123\"> </span>100<span class=\"__14 _1124\"> </span>157<span class=\"__14 _b_13\"/>,5<span class=\"__14 _1123\"> </span>100<span class=\"__14 _1ce\"> </span>2.6 Individuell och modellbaserad<span class=\"__14 _1ce\"> </span> pr\u00f6vning a<span class=\"__14 _b_13\"/>v nedskrivningsbehov<span class=\"__14 _1ce\"> </span>Nedskrivningskra<span class=\"__14 _b_13\"/>ven anges i IFRS 9 och baseras p\u00e5 en<span class=\"__14 _1ce\"> </span> modell f\u00f6r f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>v\u00e4nt<span class=\"__14 _b_13\"/>ade kreditf\u00f6rluster<span class=\"__14 _1c_10\"/>, se \u00e4ven no<span class=\"__14 _1058\"/>t K3.7 \u201dUtl\u00e5<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>ning\u201d<span class=\"__14 _1c_10\"/>.<span class=\"__14 _1ce\"> </span>I samband med individuella och modellbaserade res<span class=\"__14 _1058\"/>erve-<span class=\"__14 _1ce\"> </span>ringar anv\u00e4nds tr<span class=\"__14 _1058\"/>e fram\u00e5<span class=\"__14 _b_13\"/>tblickande och viktade scenarier<span class=\"__14 _b_13\"/>. <span class=\"__14 _b_13\"/>Till-<span class=\"__14 _1ce\"> </span>g\u00e5ngar vars nedskrivningsbehov ska pr\u00f6<span class=\"__14 _b_13\"/>vas delas in i tre<span class=\"__14 _1ce\"> </span> kategorier<span class=\"__14 _1c_10\"/>, beroende p\u00e5 graden av kr<span class=\"__14 _1058\"/>editf\u00f6rs\u00e4mring. Ka<span class=\"__14 _b_13\"/>tegori<span class=\"__14 _1ce\"> </span> 1 omf<span class=\"__14 _b_13\"/>attar tillg\u00e5ngar utan n\u00e5gon v\u00e4sentlig \u00f6kning a<span class=\"__14 _b_13\"/>v kredit-<span class=\"__14 _1ce\"> </span>risken, kategori 2 om<span class=\"__14 _b_13\"/>fattar tillg\u00e5ngar med en v<span class=\"__14 _1058\"/>\u00e4sentlig \u00f6kning<span class=\"__14 _1ce\"> </span> av kr<span class=\"__14 _b_13\"/>editrisken och kategori 3 omf<span class=\"__14 _b_13\"/>attar fallerade tillg\u00e5ngar<span class=\"__14 _1ce\"> </span> (omf<span class=\"__14 _b_13\"/>attas av nedskrivning). <span class=\"__14 _b_13\"/>Alla tillg\u00e5ngar kategoriseras indi-<span class=\"__14 _1ce\"> </span>viduellt. F\u00f6r betydande tillg\u00e5ngar i ka<span class=\"__14 _b_13\"/>tegori 3 bed\u00f6ms ned-<span class=\"__14 _1ce\"> </span>skrivningsbehovet individuellt. F<span class=\"__14 _1058\"/>\u00f6r tillg\u00e5ngar i kategori 1 och<span class=\"__14 _1ce\"> </span> kategori 2, och f<span class=\"__14 _b_13\"/>\u00f6r tillg\u00e5ngar av obetydligt v\u00e4r<span class=\"__14 _b_13\"/>de i kategori 3,<span class=\"__14 _1ce\"> </span> g\u00f6rs modellbaserade bed\u00f6mningar<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>Nordea granskar k<span class=\"__14 _1058\"/>ontinuerligt kreditportf<span class=\"__14 _b_13\"/>\u00f6ljens kvalitet i<span class=\"__14 _1ce\"> </span> syfte att identi\ufb01er<span class=\"__14 _b_13\"/>a och begr\u00e4nsa nedskrivningsbehovet.<span class=\"__14 _1ce\"> </span> For<span class=\"__14 _1058\"/>dringar med h\u00f6g eller \u00f6kad risk och for<span class=\"__14 _b_13\"/>dringar som omfat-<span class=\"__14 _1ce\"> </span>tas av nedskrivning \u00f6<span class=\"__14 _b_13\"/>vervakas noga och granskas minst en<span class=\"__14 _1ce\"> </span> g\u00e5ng per kvartal med avs<span class=\"__14 _1058\"/>eende p\u00e5 aktuell \ufb01nansiell s<span class=\"__14 _1058\"/>t\u00e4llning,<span class=\"__14 _1ce\"> </span> fram<span class=\"__14 _b_13\"/>tidsutsikter<span class=\"__14 _b_13\"/>, fram<span class=\"__14 _b_13\"/>tida \u00e5terbetalningsf\u00f6rm\u00e5ga sam<span class=\"__14 _b_13\"/>t even-<span class=\"__14 _1ce\"> </span>tuellt behov a<span class=\"__14 _b_13\"/>v individuella reserveringar<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>Speci\ufb01ka kreditriskjust<span class=\"__14 _1058\"/>eringar omf<span class=\"__14 _b_13\"/>attar individuella och<span class=\"__14 _1ce\"> </span> modellbaserade res<span class=\"__14 _1058\"/>erveringar<span class=\"__14 _b_13\"/>. Dessa justeringar redovisas<span class=\"__14 _1ce\"> </span> som kreditf<span class=\"__14 _b_13\"/>\u00f6rluster i resulta<span class=\"__14 _1058\"/>tr\u00e4kningen och som a<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span> och reserveringar i balansr\u00e4kningen. Individuella r<span class=\"__14 _b_13\"/>eser<span class=\"__14 _1072\"/>ve-<span class=\"__14 _1ce\"> </span>ringar leder till att l\u00e5nen redo<span class=\"__14 _1058\"/>visas som faller<span class=\"__14 _b_13\"/>ade tillg\u00e5ngar.<span class=\"__14 _1ce\"> </span>Individuella reserveringar<span class=\"__14 _1ce\"> </span>Individuella reserveringar g\u00f6rs om det enligt kredith\u00e4ndelser<span class=\"__14 _1ce\"> </span> \u00e4r troligt att k<span class=\"__14 _1058\"/>undens fram<span class=\"__14 _b_13\"/>tida kassafl\u00f6de p\u00e5verkas nega<span class=\"__14 _b_13\"/>tivt i<span class=\"__14 _1ce\"> </span> s\u00e5dan utstr\u00e4ckning a<span class=\"__14 _b_13\"/>tt full \u00e5terbetalning (med s\u00e4kerheter<span class=\"__14 _1ce\"> </span> inr\u00e4knade) in<span class=\"__14 _b_13\"/>te l\u00e4ngre \u00e4r sannolik.<span class=\"__14 _1ce\"> </span>For<span class=\"__14 _1058\"/>dringar med individuella reserveringar omf<span class=\"__14 _b_13\"/>attas av ned-<span class=\"__14 _1ce\"> </span>skrivningar och h\u00f6r till kategori 3 (f<span class=\"__14 _b_13\"/>allerade). Reserveringens<span class=\"__14 _1ce\"> </span> storlek mo<span class=\"__14 _1058\"/>tsvarar den f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>v\u00e4n<span class=\"__14 _1058\"/>tade f\u00f6rl<span class=\"__14 _1058\"/>usten, det vill s\u00e4ga skill-<span class=\"__14 _1ce\"> </span>naden mellan det redovisade v<span class=\"__14 _1058\"/>\u00e4rdet a<span class=\"__14 _b_13\"/>v den utest\u00e5ende for-<span class=\"__14 _1ce\"> </span>dran och det diskon<span class=\"__14 _b_13\"/>terade v\u00e4rdet a<span class=\"__14 _b_13\"/>v f\u00f6rv\u00e4ntade f<span class=\"__14 _1058\"/>ram<span class=\"__14 _1058\"/>tida kas-<span class=\"__14 _1ce\"> </span>safl\u00f6den, inklusive v<span class=\"__14 _b_13\"/>\u00e4rdet av pantsa<span class=\"__14 _b_13\"/>tt egendom.<span class=\"__14 _1ce\"> </span>Modellbaserade reserveringar<span class=\"__14 _1ce\"> </span>Modellbaserade res<span class=\"__14 _1058\"/>erveringar g\u00f6rs kvartalsvis och bed\u00f6ms<span class=\"__14 _1ce\"> </span> f\u00f6r v<span class=\"__14 _b_13\"/>arje bolag/<span class=\"__14 _1072\"/>\ufb01lial. En viktig fak<span class=\"__14 _b_13\"/>tor som p\u00e5verk<span class=\"__14 _1058\"/>ar reserve-<span class=\"__14 _1ce\"> </span>ringar \u00e4r tr\u00f6skel<span class=\"__14 _1058\"/>v\u00e4rdet f<span class=\"__14 _b_13\"/>\u00f6r \u00f6verf\u00f6ring a<span class=\"__14 _b_13\"/>v tillg\u00e5ngar fr\u00e5n kate-<span class=\"__14 _1ce\"> </span>gori 1 till kategori 2. F<span class=\"__14 _b_13\"/>\u00f6r tillg\u00e5ngar som redovisats fr<span class=\"__14 _b_13\"/>\u00e5n 1 janu-<span class=\"__14 _1ce\"> </span>ari 2018 anv\u00e4nds f<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar i sannolikheten f\u00f6r f<span class=\"__14 _b_13\"/>allisse-<span class=\"__14 _1ce\"> </span>mang (PD) f<span class=\"__14 _b_13\"/>\u00f6r den \u00e5terst\u00e5ende l\u00f6ptiden som den utl\u00f6sande<span class=\"__14 _1ce\"> </span> fak<span class=\"__14 _b_13\"/>torn. Dessutom \u00f6verf\u00f6rs ocks\u00e5 k<span class=\"__14 _1058\"/>under som omf<span class=\"__14 _b_13\"/>attas av<span class=\"__14 _1ce\"> </span> f\u00f6rmildr<span class=\"__14 _b_13\"/>ande kreditvillkor och kunder som \u00e4r mer \u00e4n 30 dagar<span class=\"__14 _1ce\"> </span> sena med sina betalningar till kategori 2. I k<span class=\"__14 _1058\"/>ategori 1 mo<span class=\"__14 _1058\"/>tsva-<span class=\"__14 _1ce\"> </span>rar reserveringarna f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>v\u00e4n<span class=\"__14 _1058\"/>tade kreditf<span class=\"__14 _b_13\"/>\u00f6rluster under kom-<span class=\"__14 _1ce\"> </span>mande 12 m\u00e5nader<span class=\"__14 _b_13\"/>. I kategori 2 och 3 motsv<span class=\"__14 _b_13\"/>arar reservering-<span class=\"__14 _1ce\"> </span>arna f\u00f6rv\u00e4n<span class=\"__14 _b_13\"/>tade kreditf\u00f6rlust<span class=\"__14 _b_13\"/>er under hela den \u00e5terst\u00e5ende<span class=\"__14 _1ce\"> </span> l\u00f6ptiden. Resul<span class=\"__14 _b_13\"/>tatet kompletteras med en e<span class=\"__14 _b_13\"/>xper<span class=\"__14 _1072\"/>tanalys f<span class=\"__14 _b_13\"/>\u00f6r att<span class=\"__14 _1ce\"> </span> s\u00e4kerst\u00e4lla tillr\u00e4cklig r<span class=\"__14 _b_13\"/>eser<span class=\"__14 _1072\"/>vering. F<span class=\"__14 _b_13\"/>allerade kunder utan indi-<span class=\"__14 _1ce\"> </span>viduella reserveringar omf<span class=\"__14 _b_13\"/>attas av modellbaser<span class=\"__14 _b_13\"/>ade reserve-<span class=\"__14 _1ce\"> </span>ringar<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>Fallissemang<span class=\"__14 _1ce\"> </span>F\u00f6r k<span class=\"__14 _b_13\"/>under som har f\u00f6rfallna f<span class=\"__14 _1058\"/>ordringar sedan mer \u00e4n<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">90 dagar eller som \u00e4r f\u00f6r</span><span class=\"__14 _b_13\"/>em\u00e5l f\u00f6r konkurs, eller a<span class=\"__14 _b_13\"/>v andra sk\u00e4l<span class=\"__14 _1ce\"> </span> sannolikt in<span class=\"__14 _b_13\"/>te kan betala, betraktas f<span class=\"__14 _b_13\"/>ordringarna som falle-<span class=\"__14 _1ce\"> </span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>201<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>rade och n\u00f6dlidande. F<span class=\"__14 _b_13\"/>ordringarna kan avse an<span class=\"__14 _1058\"/>tingen l\u00e5n d\u00e4r<span class=\"__14 _1ce\"> </span> kunderna f<span class=\"__14 _b_13\"/>or<span class=\"__14 _1072\"/>tfarande betalar (r<span class=\"__14 _b_13\"/>eglerade) eller l\u00e5n d\u00e4r kun-<span class=\"__14 _1ce\"> </span>derna ej betalar (oregler<span class=\"__14 _b_13\"/>ade).<span class=\"__14 _1ce\"> </span>Om en kund \u00e5terh\u00e4m<span class=\"__14 _b_13\"/>tar sig fr\u00e5n f<span class=\"__14 _1058\"/>allissemang anses kun-<span class=\"__14 _1ce\"> </span>den vara \u00e5<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">terst\u00e4lld. Det h\u00e4r intr\u00e4ff</span><span class=\"__14 _b_13\"/>ar om kunden lyckas skapa<span class=\"__14 _1ce\"> </span> balans i sina \ufb01nanser<span class=\"__14 _b_13\"/>. F\u00f6r att ans<span class=\"__14 _1058\"/>es vara \u00e5<span class=\"__14 _b_13\"/>terst\u00e4lld ska \u00e5ter-<span class=\"__14 _1ce\"> </span>h\u00e4mtningen om<span class=\"__14 _b_13\"/>fatta kundens sam<span class=\"__14 _b_13\"/>tliga skulder<span class=\"__14 _b_13\"/>. Det ska ocks\u00e5<span class=\"__14 _1ce\"> </span> \ufb01nnas en tillfredss<span class=\"__14 _1058\"/>t\u00e4llande \u00e5terbetalningsplan och en bed\u00f6m-<span class=\"__14 _1ce\"> </span>ning som s\u00e4ger att \u00e5t<span class=\"__14 _b_13\"/>erh\u00e4mtningen har inletts.<span class=\"__14 _1ce\"> </span>2.7 F<span class=\"__14 _b_13\"/>\u00f6rmildrande kreditvillkor<span class=\"__14 _1ce\"> </span>F\u00f6rmildr<span class=\"__14 _b_13\"/>ande kreditvillkor inneb\u00e4r l\u00e4ttnader eller omstruk<span class=\"__14 _b_13\"/>tu-<span class=\"__14 _1ce\"> </span>rering a<span class=\"__14 _b_13\"/>v kreditvillkoren till f\u00f6ljd a<span class=\"__14 _b_13\"/>v att l\u00e5ntagaren har eller \u00e4r<span class=\"__14 _1ce\"> </span> p\u00e5 v\u00e4g att f<span class=\"__14 _b_13\"/>\u00e5 ekonomiska sv\u00e5righeter<span class=\"__14 _b_13\"/>. A<span class=\"__14 _1c_10\"/>vsikten med f\u00f6rmild-<span class=\"__14 _1ce\"> </span>rande kreditvillkor under en begr<span class=\"__14 _b_13\"/>\u00e4nsad tidsperiod \u00e4r att<span class=\"__14 _1ce\"> </span> s\u00e4kerst\u00e4lla full \u00e5<span class=\"__14 _b_13\"/>terbetalning av det utes<span class=\"__14 _1058\"/>t\u00e5ende l\u00e5nebeloppet.<span class=\"__14 _1ce\"> </span> Exempel p\u00e5 l\u00e4<span class=\"__14 _1058\"/>ttnader i villkoren \u00e4r f<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar i amorte-<span class=\"__14 _1ce\"> </span>ringspro\ufb01l, \u00e5terbetalningsplan, k<span class=\"__14 _b_13\"/>undmarginal eller l\u00e4ttnader<span class=\"__14 _1ce\"> </span> g\u00e4llande kovenan<span class=\"__14 _b_13\"/>ter<span class=\"__14 _b_13\"/>. F\u00f6rmildrande kreditvillk<span class=\"__14 _b_13\"/>or till\u00e4mpas p\u00e5<span class=\"__14 _1ce\"> </span> individuell basis och kompletteras med pr<span class=\"__14 _b_13\"/>\u00f6vning av nedskriv-<span class=\"__14 _1ce\"> </span>ningsbehovet (f<span class=\"__14 _b_13\"/>\u00f6retagskunder) d\u00e5 f\u00f6rmildr<span class=\"__14 _b_13\"/>ande kreditvillkor<span class=\"__14 _1ce\"> </span> ses som en kredith\u00e4ndelse. <span class=\"__14 _b_13\"/>A<span class=\"__14 _1058\"/>vs\u00e4ttningar f<span class=\"__14 _1058\"/>\u00f6r individuella kre-<span class=\"__14 _1ce\"> </span>ditf\u00f6rlus<span class=\"__14 _b_13\"/>ter g\u00f6rs vid behov<span class=\"__14 _b_13\"/>. F\u00f6rmildrande kreditvillkor god-<span class=\"__14 _1ce\"> </span>k\u00e4nns enligt g\u00e4llande befogenhet<span class=\"__14 _b_13\"/>er och dessa l\u00e5n kan vara<span class=\"__14 _1ce\"> </span> antingen regler<span class=\"__14 _b_13\"/>ade eller oreglerade.<span class=\"__14 _1ce\"> </span>L\u00e5n med f\u00f6rmildr<span class=\"__14 _b_13\"/>ande kreditvillkor<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _4f_6\"> </span>31 dec 2022<span class=\"__14 _1094\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span>L\u00e5n med f\u00f6rmildr<span class=\"__14 _b_13\"/>ande kreditvillkor<span class=\"__14 _1125\"> </span>2 064<span class=\"__14 _1096\"> </span>3 270<span class=\"__14 _1ce\"> </span>- vara<span class=\"__14 _b_13\"/>v fallerade<span class=\"__14 _1126\"> </span>903<span class=\"__14 _1096\"> </span>1 905<span class=\"__14 _1ce\"> </span>Reserver f<span class=\"__14 _1058\"/>\u00f6r individuellt v\u00e4rder<span class=\"__14 _b_13\"/>ade os\u00e4kra<span class=\"__14 _1ce\"> </span> l\u00e5nefordringar och l\u00e5n med f<span class=\"__14 _b_13\"/>\u00f6rmildrande<span class=\"__14 _1ce\"> </span> kreditvillkor<span class=\"__14 _1078\"> </span>360<span class=\"__14 _6a_6\"> </span><span class=\"ls18_10 ws3e_5\">497<span class=\"__14 _1ce\"> </span></span>- vara<span class=\"__14 _b_13\"/>v fallerade<span class=\"__14 _6b_6\"> </span>336<span class=\"__14 _1113\"> </span>448<span class=\"__14 _1ce\"> </span>Nyckeltal<span class=\"__14 _1126\"> </span><span class=\"ff1_14 fs7_13\">31 dec 2022<span class=\"__14 _1094\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span></span>Andel l\u00e5n med f\u00f6rmildrande kr<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">editvillkor1</span><span class=\"__14 _6c_6\"> </span>0,7 %<span class=\"__14 _3b_8\"> </span>0,9 %<span class=\"__14 _1ce\"> </span>T<span class=\"__14 _b_13\"/>\u00e4ckningsgrad f\u00f6r l\u00e5n med f<span class=\"__14 _b_13\"/>\u00f6rmildrande<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">kreditvillkor2</span><span class=\"__14 _6d_6\"> </span><span class=\"ls14_11 ws3a_5\">17 %<span class=\"__14 _1121\"> </span></span>15 %<span class=\"__14 _1ce\"> </span>- vara<span class=\"__14 _b_13\"/>v fallerade<span class=\"__14 _6e_6\"> </span>37 %<span class=\"__14 _1115\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1072\"/> %<span class=\"__14 _1ce\"> </span></span>1)   <span class=\"__14 _1069\"/>L\u00e5n med f\u00f6rmildrande kr<span class=\"__14 _b_13\"/>editvillkor/L\u00e5n v\u00e4rderade till upplupet ansk<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">affningsv\u00e4rde<span class=\"__14 _1ce\"> </span></span> f\u00f6re res<span class=\"__14 _1058\"/>erveringar<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>2)   <span class=\"__14 _1069\"/>Individuella reserver f\u00f6r l\u00e5n med f<span class=\"__14 _b_13\"/>\u00f6rmildrande kreditvillkor/L\u00e5n med f<span class=\"__14 _b_13\"/>\u00f6rmildrande  kreditvillkor<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>2.8 K\u00e4nsligheter<span class=\"__14 _1ce\"> </span>En viktig f<span class=\"__14 _b_13\"/>aktor vid ber\u00e4kningen a<span class=\"__14 _b_13\"/>v f\u00f6rv\u00e4ntade kr<span class=\"__14 _1058\"/>editf\u00f6rlus<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1ce\"> </span> i enlighet med IFRS 9 \u00e4r att bed\u00f6ma vad som ut<span class=\"__14 _b_13\"/>g\u00f6r en bety-<span class=\"__14 _1ce\"> </span>dande \u00f6kning av kr<span class=\"__14 _b_13\"/>editrisken. F\u00f6r att f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>st\u00e5 k\u00e4nsligheten f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1ce\"> </span> dessa tr\u00f6skel<span class=\"__14 _b_13\"/>v\u00e4rden har Nordea med hj\u00e4lp av modeller ber<span class=\"__14 _b_13\"/>\u00e4k-<span class=\"__14 _1ce\"> </span>nat a<span class=\"__14 _b_13\"/>vs\u00e4ttningar utifr\u00e5n tv\u00e5 olika sc<span class=\"__14 _b_13\"/>enarier:<span class=\"__14 _1ce\"> </span>T<span class=\"__14 _b_13\"/>r\u00f6skel<span class=\"__14 _6f_6\"> </span>Scenario 1<span class=\"__14 _1127\"> </span>Scenario 2<span class=\"__14 _1ce\"> </span>Privatkundsportf\u00f6ljer<span class=\"__14 _1ce\"> </span>Relativt tr\u00f6sk<span class=\"__14 _b_13\"/>elv\u00e4rde<span class=\"__14 _1128\"> </span>100 %<span class=\"__14 _1129\"> </span>50 %<span class=\"__14 _1130\"> </span>150 %<span class=\"__14 _1ce\"> </span>Absolut tr\u00f6skel<span class=\"__14 _b_13\"/>v\u00e4rde,  12 m\u00e5nader<span class=\"__14 _2f_8\"> </span>45 punk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1131\"> </span>35 punkter<span class=\"__14 _1124\"> </span>55 punk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1ce\"> </span>Absolut tr\u00f6skel<span class=\"__14 _b_13\"/>v\u00e4rde,<span class=\"__14 _1ce\"> </span> \u00e5terst\u00e5ende l\u00f6p<span class=\"__14 _1058\"/>tid<span class=\"__14 _1132\"> </span>300 punkter<span class=\"__14 _1094\"> </span>250 punkter<span class=\"__14 _1133\"> </span>350 punkter<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Steg1</span><span class=\"__14 _1134\"> </span><span class=\"ls16_11 ws3c_5\">1\u20136<span class=\"__14 _1135\"> </span></span>1 mindre<span class=\"__14 _1136\"> </span>1 mer<span class=\"__14 _1ce\"> </span>\u00d6vriga kundportf\u00f6ljer<span class=\"__14 _1ce\"> </span> Relativt tr\u00f6sk<span class=\"__14 _b_13\"/>elv\u00e4rde<span class=\"__14 _7a_6\"> </span>150 %<span class=\"__14 _7b_6\"> </span>100 %<span class=\"__14 _7c_6\"> </span>200 %<span class=\"__14 _1ce\"> </span>Absolut tr\u00f6skel<span class=\"__14 _b_13\"/>v\u00e4rde,  12 m\u00e5nader<span class=\"__14 _2f_8\"> </span>20 punk<span class=\"__14 _1058\"/>ter<span class=\"__14 _7d_7\"> </span>15 punkter<span class=\"__14 _1124\"> </span>25 punkt<span class=\"__14 _1058\"/>er<span class=\"__14 _1ce\"> </span>Absolut tr\u00f6skel<span class=\"__14 _b_13\"/>v\u00e4rde,<span class=\"__14 _1ce\"> </span> \u00e5terst\u00e5ende l\u00f6p<span class=\"__14 _1058\"/>tid<span class=\"__14 _7e_6\"> </span>400 punkter<span class=\"__14 _1094\"> </span>350 punkter<span class=\"__14 _7f_7\"> </span>450 punkter<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Steg1</span><span class=\"__14 _1134\"> </span><span class=\"ls16_11 ws3c_5\">1\u20136<span class=\"__14 _1135\"> </span></span>1 mindre<span class=\"__14 _1136\"> </span>1 mer<span class=\"__14 _1ce\"> </span>1)   <span class=\"__14 _1069\"/>F\u00f6r exponeringar s<span class=\"__14 _1058\"/>om redovisades f<span class=\"__14 _1058\"/>\u00f6rsta g\u00e5ngen f\u00f6re \u00f6<span class=\"__14 _b_13\"/>verg\u00e5ngen till IFRS 9 (1 jan<span class=\"__14 _1ce\"> </span> 2018) fastst<span class=\"__14 _1058\"/>\u00e4lls kategorin utifr<span class=\"__14 _1058\"/>\u00e5n f\u00f6r\u00e4ndringar i r<span class=\"__14 _1058\"/>atingklasserna. <span class=\"__14 _b_13\"/>Tr<span class=\"__14 _1058\"/>\u00f6skelv\u00e4r<span class=\"__14 _1058\"/>det i scena-<span class=\"__14 _1ce\"> </span>rio 1 s\u00e4tts till ett steg mindre \u00e4n den modell som f<span class=\"__14 _b_13\"/>aktiskt anv\u00e4nds och i sc<span class=\"__14 _1058\"/>enario 2 s\u00e4tts<span class=\"__14 _1ce\"> </span> tr\u00f6skelv\u00e4r<span class=\"__14 _b_13\"/>det till ett steg mer \u00e4n i modellen.<span class=\"__14 _1ce\"> </span> A<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">vs\u00e4ttningarna skulle ha \u00f6kat med 20 mn eur</span><span class=\"__14 _1058\"/>o (24 mn eur<span class=\"__14 _1058\"/>o) i<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">scenario 1 och minskat med 20 mn eur</span><span class=\"__14 _b_13\"/>o (22 mn euro) i scena-<span class=\"__14 _1ce\"> </span>rio 2. Mer inf<span class=\"__14 _b_13\"/>ormation om ratingskalan och genomsnittligt PD<span class=\"__14 _1ce\"> </span> (sannolikheten f\u00f6r f<span class=\"__14 _b_13\"/>allissemang) \ufb01nns i tabellerna \u201dRating-/<span class=\"__14 _1ce\"> </span>scoringinf<span class=\"__14 _b_13\"/>ormation f\u00f6r l\u00e5n v<span class=\"__14 _1058\"/>\u00e4rderade till upplupet ansk<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">aff-<span class=\"__14 _1ce\"> </span></span>ningsv\u00e4rde\u201d p\u00e5 sidan 21<span class=\"__14 _1058\"/>7<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningarna \u00e4r k\u00e4nsliga f\u00f6r r<span class=\"__14 _b_13\"/>atingf\u00f6r\u00e4ndringar \u00e4<span class=\"__14 _b_13\"/>ven om<span class=\"__14 _1ce\"> </span> tr\u00f6skel<span class=\"__14 _1058\"/>v\u00e4rdena in<span class=\"__14 _b_13\"/>te n\u00e5s. T<span class=\"__14 _1c_10\"/>abellen nedan visar hur a<span class=\"__14 _1058\"/>vs\u00e4ttning-<span class=\"__14 _1ce\"> </span>arna p\u00e5v<span class=\"__14 _b_13\"/>erkas om kreditkvaliteten f<span class=\"__14 _b_13\"/>\u00f6r all utl\u00e5ning i Nordea<span class=\"__14 _1ce\"> </span> f\u00f6rs\u00e4mras med ett s<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">teg. H\u00e4r beaktas b\u00e5de eff</span><span class=\"__14 _1058\"/>ekten a<span class=\"__14 _b_13\"/>v den<span class=\"__14 _1ce\"> </span> h\u00f6gre risken f<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">\u00f6r alla exponeringar och effek</span><span class=\"__14 _b_13\"/>ten av \u00f6v<span class=\"__14 _1058\"/>erf\u00f6-<span class=\"__14 _1ce\"> </span>ringen fr\u00e5n ka<span class=\"__14 _b_13\"/>tegori 1 till kategori 2 av de f<span class=\"__14 _b_13\"/>ordringar som n\u00e5tt<span class=\"__14 _1ce\"> </span> tr\u00f6skel<span class=\"__14 _1058\"/>v\u00e4rdet. Detta inkluderar \u00e4<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ven effek</span><span class=\"__14 _b_13\"/>ten av att f<span class=\"__14 _b_13\"/>ordringar<span class=\"__14 _1ce\"> </span> med rating ett s<span class=\"__14 _b_13\"/>teg \u00f6ver faller<span class=\"__14 _1058\"/>ade klassi\ufb01ceras som f<span class=\"__14 _b_13\"/>allerade,<span class=\"__14 _1ce\"> </span> vilket ber\u00e4knas till 118 mn euro (152 mn eur<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">o). Denna siffr</span><span class=\"__14 _b_13\"/>a<span class=\"__14 _1ce\"> </span> baseras p\u00e5 en ber\u00e4kning med den s<span class=\"__14 _b_13\"/>tatistiska modellen sna-<span class=\"__14 _1ce\"> </span>rare \u00e4n individuella es<span class=\"__14 _b_13\"/>timat som annars skulle vara f<span class=\"__14 _b_13\"/>allet f\u00f6r<span class=\"__14 _1ce\"> </span> betydande f<span class=\"__14 _1058\"/>allerade l\u00e5n.<span class=\"__14 _1ce\"> </span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>K\u00e4nsligheter<span class=\"__14 _1ce\"> </span>31 dec 2022<span class=\"__14 _5c_6\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1137\"> </span>Redovisade reserver<span class=\"__14 _1ce\"> </span>Reserver med ett<span class=\"__14 _1ce\"> </span> stegs nedgradering<span class=\"__14 _1070\"> </span>Redovisade reserver<span class=\"__14 _1ce\"> </span>Reserver med ett<span class=\"__14 _1ce\"> </span> stegs nedgradering<span class=\"__14 _1ce\"> </span>Personal Banking<span class=\"__14 _1138\"> </span>387<span class=\"__14 _1139\"> </span>488<span class=\"__14 _1139\"> </span>409<span class=\"__14 _1140\"> </span>532<span class=\"__14 _1ce\"> </span>Business Banking<span class=\"__14 _1141\"> </span>1 036<span class=\"__14 _1142\"> </span>1 166<span class=\"__14 _1142\"> </span><span class=\"ls14_11 ws3a_5\">1 148<span class=\"__14 _1142\"> </span></span>1 265<span class=\"__14 _1ce\"> </span>Large Corpora<span class=\"__14 _b_13\"/>tes &amp; Institutions<span class=\"__14 _1143\"> </span>402<span class=\"__14 _1140\"> </span>441<span class=\"__14 _1140\"> </span>813<span class=\"__14 _1139\"> </span>846<span class=\"__14 _1ce\"> </span>\u00d6vrigt<span class=\"__14 _1144\"> </span>35<span class=\"__14 _1088\"> </span>46<span class=\"__14 _1088\"> </span>34<span class=\"__14 _1145\"> </span>75<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1146\"> </span>1 860<span class=\"__14 _1142\"> </span>2 141<span class=\"__14 _1086\"> </span>2 404<span class=\"__14 _2b_8\"> </span>2 718<span class=\"__14 _1ce\"> </span>202<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>2.9 Fr<span class=\"__14 _b_13\"/>am\u00e5tblickande informa<span class=\"__14 _b_13\"/>tion<span class=\"__14 _1ce\"> </span>Fr<span class=\"__14 _b_13\"/>am\u00e5tblickande informa<span class=\"__14 _b_13\"/>tion anv\u00e4nds b\u00e5de vid bed\u00f6mningen av bety<span class=\"__14 _b_13\"/>dande \u00f6kningar i kreditrisken och vid ber\u00e4kningen av f\u00f6rv\u00e4n<span class=\"__14 _b_13\"/>tade kreditf\u00f6rlust<span class=\"__14 _b_13\"/>er. Nor<span class=\"__14 _b_13\"/>dea anv\u00e4nder sig av tre makr<span class=\"__14 _b_13\"/>o<span class=\"__14 _1072\"/>-<span class=\"__14 _1ce\"> </span>ekonomiska scenerier: ett grundsc<span class=\"__14 _b_13\"/>enario, ett gynnsamt sce-<span class=\"__14 _1ce\"> </span>nario och ett negativt scenario<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">. F\u00f6r fj\u00e4r</span><span class=\"__14 _b_13\"/>de kvar<span class=\"__14 _1072\"/>talet 2022 ber\u00e4knades de slutligt f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>v\u00e4nt<span class=\"__14 _1058\"/>ade kreditf<span class=\"__14 _1058\"/>\u00f6rlusterna genom att vik<span class=\"__14 _1058\"/>ta scenarierna enligt f<span class=\"__14 _b_13\"/>\u00f6ljande: 50 procent grundscena<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>rio, 40 procen<span class=\"__14 _b_13\"/>t negativt och 10 procent gynnsam<span class=\"__14 _b_13\"/>t (sista <span class=\"__14 _1ce\">december 2021: 60 procen</span><span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">t grundscenario, 20 procen</span><span class=\"__14 _b_13\"/>t nega-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">tivt och 20 procen</span><span class=\"__14 _b_13\"/>t gynnsamt). Viktningen speglade de \u00f6kade riskerna i de makroekonomiska pr<span class=\"__14 _b_13\"/>ognoserna under \u00e5ret<span class=\"__14 _1072\"/>.<span class=\"__14 _1ce\"> </span>De makroekonomiska sc<span class=\"__14 _1058\"/>enarierna tas fram a<span class=\"__14 _b_13\"/>v Group Risk i Nordea, och baseras p\u00e5 Oxf<span class=\"__14 _b_13\"/>ord Economics-modellen. Pr<span class=\"__14 _b_13\"/>ogno<span class=\"__14 _1072\"/>-<span class=\"__14 _1ce\"> </span>sen \u00e4r en kombination a<span class=\"__14 _b_13\"/>v modellber\u00e4kningar och expertbe-<span class=\"__14 _1ce\"> </span>d\u00f6mningar<span class=\"__14 _b_13\"/>, och den granskas och kvalitetsk<span class=\"__14 _1058\"/>ontroll<span class=\"__14 _1058\"/>eras noga. Modellen har tagits fram f<span class=\"__14 _b_13\"/>\u00f6r att ge en bra beskrivning a<span class=\"__14 _b_13\"/>v de historiska sambanden mellan olika ek<span class=\"__14 _1058\"/>onomiska variabler och f\u00e5nga de vik<span class=\"__14 _b_13\"/>tigaste kopplingarna mellan dessa variabler<span class=\"__14 _1c_10\"/>. Modellens prognosperiod \u00e4r tio \u00e5r<span class=\"__14 _b_13\"/>. F\u00f6r perioder bortom denna period anv\u00e4nds ett l\u00e5ngsik<span class=\"__14 _b_13\"/>tigt medelv\u00e4rde i ber\u00e4kning-<span class=\"__14 _1ce\"> </span>arna av f<span class=\"__14 _b_13\"/>\u00f6rv\u00e4ntade kreditf<span class=\"__14 _b_13\"/>\u00f6rluster<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>De makroekonomiska sc<span class=\"__14 _1058\"/>enarierna speglar Nordeas prog-<span class=\"__14 _1ce\"> </span>noser f\u00f6r den ek<span class=\"__14 _b_13\"/>onomiska utvecklingen i Norden mot bak-<span class=\"__14 _1ce\"> </span>grund av R<span class=\"__14 _b_13\"/>ysslands invasion av Ukr<span class=\"__14 _1058\"/>aina samt in<span class=\"__14 _1058\"/>f\u00f6r<span class=\"__14 _b_13\"/>andet av sanktioner och mo<span class=\"__14 _1058\"/>tsanktioner som p\u00e5<span class=\"__14 _b_13\"/>verkar handeln med Ryssland. Prognoserna tar ocks\u00e5 h\u00e4nsyn till de h\u00f6ga ener<span class=\"__14 _b_13\"/>gi-<span class=\"__14 _1ce\"> </span>priser som f<span class=\"__14 _1058\"/>\u00f6ljt p\u00e5 invasionen, f<span class=\"__14 _b_13\"/>or<span class=\"__14 _1072\"/>tsatta st<span class=\"__14 _1058\"/>\u00f6rningar i lever<span class=\"__14 _1058\"/>ans-<span class=\"__14 _1ce\"> </span>kedjan och en f<span class=\"__14 _1058\"/>\u00f6rv\u00e4ntan om betydligt h\u00f6gr<span class=\"__14 _b_13\"/>e r\u00e4ntor f<span class=\"__14 _b_13\"/>\u00f6r att d\u00e4mpa det starka in<span class=\"__14 _b_13\"/>flationstrycket. Vid framtagandet a<span class=\"__14 _b_13\"/>v sce-<span class=\"__14 _1ce\"> </span>narierna och deras inb\u00f6rdes vik<span class=\"__14 _b_13\"/>tning har Nordea tagit h\u00e4nsyn till prognoser fr<span class=\"__14 _b_13\"/>\u00e5n nordiska centralbank<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>, Nordeas analysa<span class=\"__14 _b_13\"/>v-<span class=\"__14 _1ce\"> </span>delning och E<span class=\"__14 _b_13\"/>uropeiska centralbanken.<span class=\"__14 _1ce\"> </span>Grundscenariot \u00e4r a<span class=\"__14 _b_13\"/>tt h\u00f6ga r\u00e4ntor och h\u00f6g infla<span class=\"__14 _b_13\"/>tion leder till en mild l\u00e5gkonjunktur i Danmark, Finland och S<span class=\"__14 _1058\"/>verige. De h\u00f6ga energipriserna ger \u00e5 andra sidan en sv<span class=\"__14 _b_13\"/>ag tillv\u00e4xt i Norge. Den svaga till<span class=\"__14 _b_13\"/>v\u00e4xten f\u00f6rv\u00e4n<span class=\"__14 _b_13\"/>tas forts\u00e4tta under 2023.<span class=\"__14 _1ce\"> </span>Den nordiska bostadsmarknaden har v<span class=\"__14 _b_13\"/>\u00e4nt ned\u00e5t. Betydligt f\u00e4rre a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ff\u00e4rer g\u00f6rs och priserna har b\u00f6rjat sjunka, s\u00e4rskilt i Sv</span><span class=\"__14 _b_13\"/>e-<span class=\"__14 _1ce\"> </span>rige d\u00e4r prisfallet v<span class=\"__14 _b_13\"/>arit m\u00e4rkbar<span class=\"__14 _1072\"/>t<span class=\"__14 _1072\"/>. Denna utveckling v\u00e4n<span class=\"__14 _b_13\"/>tas forts\u00e4tta under 2023. Det \ufb01nns ned\u00e5trisk<span class=\"__14 _b_13\"/>er i grundscenariot. Nordeas tv\u00e5 alt<span class=\"__14 _b_13\"/>ernativa makroekonomiska scenarier omf<span class=\"__14 _b_13\"/>attar en rad rimliga riskfak<span class=\"__14 _b_13\"/>torer som kan f\u00e5 till<span class=\"__14 _b_13\"/>v\u00e4xten att avvika f<span class=\"__14 _b_13\"/>r\u00e5n grundscenariot. H\u00f6ga energipriser kan leda till en djupare och mer l\u00e5ngvarig l\u00e5gkonjunk<span class=\"__14 _b_13\"/>tur p\u00e5 grund av svagar<span class=\"__14 _b_13\"/>e konsumtion och l\u00e4gr<span class=\"__14 _b_13\"/>e investeringar<span class=\"__14 _b_13\"/>. Vidare kan bost<span class=\"__14 _1058\"/>adspri-<span class=\"__14 _1ce\"> </span>serna falla \u00e4nnu mer<span class=\"__14 _1c_10\"/>, p\u00e5 grund av de h\u00f6ga r\u00e4n<span class=\"__14 _b_13\"/>torna, och minska hush\u00e5llens k\u00f6pkra<span class=\"__14 _1058\"/>ft. \u00c5 andr<span class=\"__14 _b_13\"/>a sidan, om energipriserna stabiliser<span class=\"__14 _1058\"/>as p\u00e5 en l\u00e4gre niv\u00e5 kan bakslaget bli mindr<span class=\"__14 _b_13\"/>e k\u00e4nnbar<span class=\"__14 _1072\"/>t under vintern och den p\u00e5<span class=\"__14 _b_13\"/>f\u00f6ljande \u00e5terh\u00e4mtningen s<span class=\"__14 _b_13\"/>tarkare.<span class=\"__14 _1ce\"> </span>Vid utg\u00e5ngen a<span class=\"__14 _1058\"/>v \u00e5ret uppgick justeringarna i f<span class=\"__14 _b_13\"/>\u00f6rh\u00e5llande till de modellber\u00e4knade reserveringarna/<span class=\"__14 _1c_10\"/>avs\u00e4ttningarna till 554 mn euro, inklusiv<span class=\"__14 _b_13\"/>e reserveringar enligt ledningens bed\u00f6mning. Reserveringarna enligt ledningens bed\u00f6mning innefa<span class=\"__14 _b_13\"/>ttar ber\u00e4knade kreditf\u00f6rlus<span class=\"__14 _b_13\"/>ter som \u00e4nnu inte f\u00e5ngas upp av IFRS 9-modellen. Den cykliska r<span class=\"__14 _b_13\"/>eser<span class=\"__14 _1072\"/>ven uppgick till 430 mn euro vid \u00e5rets slut (<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">455 mn euro). Reserven ber</span><span class=\"__14 _b_13\"/>\u00e4kna-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">des p\u00e5 nytt under fj\u00e4rde kv</span><span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>talet. Vid denna ber\u00e4kning beak-<span class=\"__14 _1ce\"> </span>tades de ex<span class=\"__14 _1058\"/>traordin\u00e4r<span class=\"__14 _b_13\"/>a utmaningar som uppst\u00e5tt till f\u00f6ljd a<span class=\"__14 _b_13\"/>v energikrisen ist\u00e4llet f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _b_13\"/>, som tidigare, de negativa konsekv<span class=\"__14 _b_13\"/>en-<span class=\"__14 _1ce\"> </span>serna av c<span class=\"__14 _b_13\"/>oronapandemin. Reserveringarnas tillr\u00e4cklighet analyser<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ades utifr\u00e5n m\u00f6jliga eff</span><span class=\"__14 _b_13\"/>ekter a<span class=\"__14 _b_13\"/>v h\u00f6gre kostnader och l\u00e4gre konsum<span class=\"__14 _b_13\"/>tion och gjordes med hj\u00e4lp av uppdater<span class=\"__14 _b_13\"/>ade stress<span class=\"__14 _b_13\"/>tester och sekt<span class=\"__14 _1058\"/>orbed\u00f6mningar f\u00f6r a<span class=\"__14 _b_13\"/>tt b\u00e4ttre kunna ta h\u00e4nsyn till bransch- och n\u00e4ringlivsspeci\ufb01ka risker<span class=\"__14 _1c_10\"/>. Tio seg-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">ment med 8 proc</span><span class=\"__14 _b_13\"/>ent av den samlade utl\u00e5ningen iden<span class=\"__14 _b_13\"/>ti\ufb01era-<span class=\"__14 _1ce\"> </span>des som a<span class=\"__14 _1058\"/>vsev\u00e4rt p\u00e5<span class=\"__14 _b_13\"/>verkade, bland annat Byggindustri, Detaljhandel, Marktransport och K<span class=\"__14 _1058\"/>onsumentkapital<span class=\"__14 _b_13\"/>varor<span class=\"__14 _b_13\"/>. Slutsatsen blev a<span class=\"__14 _b_13\"/>tt de be\ufb01ntliga reserveringarna \u00e4r tillr\u00e4ckliga ocks\u00e5 f\u00f6r de f<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndrade riskutsik<span class=\"__14 _b_13\"/>terna eftersom reservering-<span class=\"__14 _1ce\"> </span>arna enligt ledningens bed\u00f6mning h\u00f6jdes med 20 mn euro <span class=\"__14 _1ce\">under fj\u00e4rde kvartalet (minskade 25 mn euro j\u00e4mf</span><span class=\"__14 _b_13\"/>\u00f6rt med 2021) till 430 mn euro. De svagheter i IFRS 9-modellen s<span class=\"__14 _b_13\"/>om identi\ufb01er<span class=\"__14 _1058\"/>ats och senare ska \u00e5<span class=\"__14 _b_13\"/>tg\u00e4rdas genom modelluppdate-<span class=\"__14 _1ce\"> </span>ringar (struk<span class=\"__14 _1058\"/>turell reserv) uppgick till 155 mn euro (155 mn euro).<span class=\"__14 _1ce\"> </span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>203<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>Scenarier och a<span class=\"__14 _b_13\"/>vs\u00e4ttningar 2022<span class=\"__14 _1ce\"> </span>Danmark<span class=\"__14 _8a_6\"> </span><span class=\"fs7_13\">2023<span class=\"__14 _3d_8\"> </span>2024<span class=\"__14 _8b_6\"> </span>2025<span class=\"__14 _1ce\"> </span></span>F\u00f6rv\u00e4n<span class=\"__14 _1058\"/>tade kredit- f\u00f6rlust<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>, ovikta<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>, mn euro<span class=\"__14 _1ce\"> </span>Sannolik- hetsvikt<span class=\"__14 _1ce\"> </span>Modell- baserade avs\u00e4<span class=\"__14 _1058\"/>ttningar<span class=\"__14 _b_13\"/>, mn euro<span class=\"__14 _1ce\"> </span>Justering <span class=\"__14 _1069\"/> modell- baserade avs\u00e4<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ttningar1, </span>mn euro<span class=\"__14 _1ce\"> </span>Indi- viduella <span class=\"__14 _1069\"/> avs\u00e4<span class=\"__14 _1058\"/>tt- ningar<span class=\"__14 _b_13\"/>, mn euro<span class=\"__14 _1ce\"> </span>Summa <span class=\"__14 _1069\"/> avs\u00e4<span class=\"__14 _1058\"/>tt- ningar<span class=\"__14 _b_13\"/>, mn euro<span class=\"__14 _1ce\"> </span>Gynnsamt scenario<span class=\"__14 _1ce\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _1093\"> </span><span class=\"ls16_11 ws3c_5\">0,7<span class=\"__14 _8c_6\"> </span></span>1,9<span class=\"__14 _1121\"> </span>1,4<span class=\"__14 _7c_6\"> </span>168<span class=\"__14 _1113\"> </span>10 %<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _6c_6\"> </span><span class=\"ls16_11 ws3c_5\">2<span class=\"__14 _1072\"/>,7<span class=\"__14 _8c_6\"> </span>2,7<span class=\"__14 _8c_6\"> </span></span>2,6<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _1113\"> </span>0,8<span class=\"__14 _8c_6\"> </span>1,5<span class=\"__14 _8c_6\"> </span>2,0<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _7e_6\"> </span>-5,0<span class=\"__14 _1119\"> </span><span class=\"ls14_11 ws3a_5\">-1<span class=\"__14 _1072\"/>,2<span class=\"__14 _8c_6\"> </span></span>2,6<span class=\"__14 _1ce\"> </span>Grundscenario<span class=\"__14 _a_13\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _6c_6\"> </span>-0,<span class=\"__14 _1c_10\"/>1<span class=\"__14 _1121\"> </span>1,2<span class=\"__14 _8c_6\"> </span>1,0<span class=\"__14 _1130\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1072\"/>3<span class=\"__14 _7b_6\"> </span></span>50 %<span class=\"__14 _8d_6\"> </span><span class=\"ls14_11 ws3a_5\">178<span class=\"__14 _1109\"> </span></span>120<span class=\"__14 _1113\"> </span>250<span class=\"__14 _1129\"> </span>548<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _8e_6\"> </span>3,0<span class=\"__14 _1115\"> </span>3,3<span class=\"__14 _8c_6\"> </span>3,3<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _1113\"> </span>0,4<span class=\"__14 _5f_6\"> </span><span class=\"ls17_11 ws3d_5\">1<span class=\"__14 _1072\"/>,1<span class=\"__14 _5f_6\"> </span></span>1,5<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _7e_6\"> </span>-5,6<span class=\"__14 _3b_8\"> </span><span class=\"ls14_11 ws3a_5\">-1,<span class=\"__14 _1072\"/>8<span class=\"__14 _8c_6\"> </span></span>2,0<span class=\"__14 _1ce\"> </span>Negativt scenario<span class=\"__14 _1ce\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _4b_6\"> </span>-3,0<span class=\"__14 _1115\"> </span>0,5<span class=\"__14 _1120\"> </span><span class=\"ls17_11 ws3d_5\">1<span class=\"__14 _1066\"/>,1<span class=\"__14 _4c_6\"> </span></span>186<span class=\"__14 _1120\"> </span>40 %<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _1079\"> </span>4,0<span class=\"__14 _8f_6\"> </span>4,8<span class=\"__14 _8c_6\"> </span><span class=\"ls16_11 ws3c_5\">4<span class=\"__14 _1072\"/>,7<span class=\"__14 _1ce\"> </span></span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _1118\"> </span>-1,9<span class=\"__14 _3f_8\"> </span>-0,4<span class=\"__14 _1121\"> </span>1,0<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1109\"> </span>-10,<span class=\"__14 _b_13\"/>7<span class=\"__14 _5a_6\"> </span>-5,4<span class=\"__14 _1115\"> </span>0,9<span class=\"__14 _1ce\"> </span>Finland<span class=\"__14 _1ce\"> </span>Gynnsamt scenario<span class=\"__14 _1ce\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _1093\"> </span><span class=\"ls16_11 ws3c_5\">0,7<span class=\"__14 _1121\"> </span></span>1,5<span class=\"__14 _1121\"> </span>1,2<span class=\"__14 _7c_6\"> </span>2<span class=\"__14 _1072\"/>33<span class=\"__14 _1113\"> </span>10 %<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _1105\"> </span><span class=\"ls15_11 ws3b_5\">7,<span class=\"__14 _1072\"/>2<span class=\"__14 _1121\"> </span>7,<span class=\"__14 _1072\"/>4<span class=\"__14 _1118\"> </span>7,<span class=\"__14 _1066\"/>4<span class=\"__14 _1ce\"> </span></span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _6a_6\"> </span>0,5<span class=\"__14 _8f_6\"> </span>0,9<span class=\"__14 _1121\"> </span>1,3<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _7e_6\"> </span>-4,4<span class=\"__14 _1115\"> </span><span class=\"ls16_11 ws3c_5\">0,7<span class=\"__14 _8c_6\"> </span></span>2,6<span class=\"__14 _1ce\"> </span>Grundscenario<span class=\"__14 _a_13\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _4b_6\"> </span>-0,3<span class=\"__14 _5f_6\"> </span><span class=\"ls17_11 ws3d_5\">1<span class=\"__14 _1072\"/>,1<span class=\"__14 _1118\"> </span></span>1,0<span class=\"__14 _4c_6\"> </span>237<span class=\"__14 _7b_6\"> </span>50 %<span class=\"__14 _1147\"> </span><span class=\"ls16_11 ws3c_5\">243<span class=\"__14 _1102\"> </span><span class=\"ls14_11 ws3a_5\">178<span class=\"__14 _1113\"> </span></span></span>200<span class=\"__14 _1148\"> </span>621<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _6c_6\"> </span><span class=\"ls15_11 ws3b_5\">7,<span class=\"__14 _1066\"/>4<span class=\"__14 _1118\"> </span>7,<span class=\"__14 _1072\"/>7<span class=\"__14 _1120\"> </span>7,<span class=\"__14 _1072\"/>7<span class=\"__14 _1ce\"> </span></span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _1121\"> </span>-0,3<span class=\"__14 _1149\"> </span>0,6<span class=\"__14 _1115\"> </span>0,9<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _7e_6\"> </span>-5,0<span class=\"__14 _1149\"> </span>0,0<span class=\"__14 _1121\"> </span>1,9<span class=\"__14 _1ce\"> </span>Negativt scenario<span class=\"__14 _1ce\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _4b_6\"> </span>-3,0<span class=\"__14 _8c_6\"> </span><span class=\"ls17_11 ws3d_5\">0<span class=\"__14 _1066\"/>,1<span class=\"__14 _8c_6\"> </span></span>0,9<span class=\"__14 _7c_6\"> </span><span class=\"ls1a_9 ws40_5\">252<span class=\"__14 _1120\"> </span></span>40 %<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _8e_6\"> </span><span class=\"ls1b_8 ws41_5\">8,2<span class=\"__14 _8f_6\"> </span></span>8,5<span class=\"__14 _1115\"> </span>8,4<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _5f_6\"> </span><span class=\"ls16_11 ws3c_5\">-2,7<span class=\"__14 _3f_8\"> </span></span>-0,8<span class=\"__14 _1118\"> </span><span class=\"ls17_11 ws3d_5\">0<span class=\"__14 _1072\"/>,1<span class=\"__14 _1ce\"> </span></span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1101\"> </span><span class=\"ls15_11 ws3b_5\">-<span class=\"__14 _1072\"/>7,<span class=\"__14 _1066\"/>2<span class=\"__14 _1096\"> </span></span>-1,5<span class=\"__14 _1115\"> </span>0,4<span class=\"__14 _1ce\"> </span>204<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>Norge<span class=\"__14 _1150\"> </span><span class=\"fs7_13\">2023<span class=\"__14 _3d_8\"> </span>2024<span class=\"__14 _8b_6\"> </span>2025<span class=\"__14 _1ce\"> </span></span>F\u00f6rv\u00e4n<span class=\"__14 _1058\"/>tade kredit- f\u00f6rlust<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>, ovikta<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>, mn euro<span class=\"__14 _1ce\"> </span>Sannolik- hetsvikt<span class=\"__14 _1ce\"> </span>Modell- baserade avs\u00e4<span class=\"__14 _1058\"/>ttningar<span class=\"__14 _b_13\"/>, mn euro<span class=\"__14 _1ce\"> </span>Justering <span class=\"__14 _1069\"/> modell- baserade avs\u00e4<span class=\"__14 _1058\"/>ttningar<span class=\"__14 _b_13\"/>, mn euro<span class=\"__14 _1ce\"> </span>Indi- viduella <span class=\"__14 _1069\"/> avs\u00e4<span class=\"__14 _1058\"/>tt- ningar<span class=\"__14 _b_13\"/>, mn euro<span class=\"__14 _1ce\"> </span>Summa <span class=\"__14 _1069\"/> avs\u00e4<span class=\"__14 _1058\"/>tt- ningar<span class=\"__14 _b_13\"/>, mn euro<span class=\"__14 _1ce\"> </span>Gynnsamt scenario<span class=\"__14 _1ce\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _1092\"> </span>1,6<span class=\"__14 _8c_6\"> </span>1,2<span class=\"__14 _1121\"> </span>1,0<span class=\"__14 _8d_6\"> </span>70<span class=\"__14 _1113\"> </span>10 %<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _1105\"> </span><span class=\"ls17_11 ws3d_5\">3<span class=\"__14 _1066\"/>,1<span class=\"__14 _8c_6\"> </span></span>3,3<span class=\"__14 _8c_6\"> </span>3,2<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _8c_6\"> </span>-0,4<span class=\"__14 _1149\"> </span>0,6<span class=\"__14 _8c_6\"> </span>3,0<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1151\"> </span><span class=\"ls14_11 ws3a_5\">-1,8<span class=\"__14 _8c_6\"> </span></span>1,9<span class=\"__14 _8c_6\"> </span><span class=\"ls16_11 ws3c_5\">4<span class=\"__14 _1072\"/>,7<span class=\"__14 _1ce\"> </span></span>Grundscenario<span class=\"__14 _a_13\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _1105\"> </span>0,<span class=\"__14 _1072\"/>8<span class=\"__14 _1149\"> </span>0,8<span class=\"__14 _8c_6\"> </span>0,3<span class=\"__14 _8d_6\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _1120\"> </span></span>50 %<span class=\"__14 _1152\"> </span>75<span class=\"__14 _1152\"> </span><span class=\"ls14_11 ws3a_5\">143<span class=\"__14 _4c_6\"> </span></span>119<span class=\"__14 _1148\"> </span>337<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _1153\"> </span>3,3<span class=\"__14 _1115\"> </span>3,6<span class=\"__14 _1154\"> </span>3,6<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _1113\"> </span><span class=\"ls17_11 ws3d_5\">-<span class=\"__14 _1066\"/>1<span class=\"__14 _1072\"/>,1<span class=\"__14 _1154\"> </span></span>0,3<span class=\"__14 _1121\"> </span>1,9<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1132\"> </span>-2,4<span class=\"__14 _8c_6\"> </span>1,3<span class=\"__14 _1118\"> </span><span class=\"ls17_11 ws3d_5\">4<span class=\"__14 _1072\"/>,1<span class=\"__14 _1ce\"> </span></span>Negativt scenario<span class=\"__14 _1ce\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _1153\"> </span>-1,5<span class=\"__14 _1115\"> </span>0,3<span class=\"__14 _1115\"> </span>0,4<span class=\"__14 _8d_6\"> </span><span class=\"ls1d_8 ws43_5\">79<span class=\"__14 _5f_6\"> </span></span>40 %<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _8e_6\"> </span>4,2<span class=\"__14 _8f_6\"> </span>4,4<span class=\"__14 _1154\"> </span>4,4<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _1121\"> </span>-2,6<span class=\"__14 _3f_8\"> </span>-0,9<span class=\"__14 _1121\"> </span>1,0<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1ce\"> </span>-<span class=\"__14 _1072\"/>7,<span class=\"__14 _1066\"/>2<span class=\"__14 _4e_6\"> </span><span class=\"ls0_14 ws0_14\">-3,0<span class=\"__14 _1118\"> </span>1,3<span class=\"__14 _1ce\"> </span></span>Sverige<span class=\"__14 _1ce\"> </span>Gynnsamt scenario<span class=\"__14 _1ce\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _1093\"> </span><span class=\"ls16_11 ws3c_5\">0,7<span class=\"__14 _1121\"> </span>1<span class=\"__14 _1072\"/>,7<span class=\"__14 _1121\"> </span></span>1,9<span class=\"__14 _8d_6\"> </span>83<span class=\"__14 _1113\"> </span>10 %<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _6c_6\"> </span><span class=\"ls15_11 ws3b_5\">7,<span class=\"__14 _1066\"/>6<span class=\"__14 _1118\"> </span>7,<span class=\"__14 _1072\"/>7<span class=\"__14 _1118\"> </span>7,<span class=\"__14 _1066\"/>9<span class=\"__14 _1ce\"> </span></span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _6a_6\"> </span>0,5<span class=\"__14 _1115\"> </span>2,3<span class=\"__14 _1121\"> </span>2,5<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1155\"> </span>-10,4<span class=\"__14 _4e_6\"> </span>-1,0<span class=\"__14 _5f_6\"> </span><span class=\"ls17_11 ws3d_5\">3<span class=\"__14 _1072\"/>,1<span class=\"__14 _1ce\"> </span></span>Grundscenario<span class=\"__14 _a_13\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _4b_6\"> </span>-0,5<span class=\"__14 _5f_6\"> </span><span class=\"ls17_11 ws3d_5\">1<span class=\"__14 _1072\"/>,1<span class=\"__14 _1118\"> </span></span>1,9<span class=\"__14 _1148\"> </span>86<span class=\"__14 _1120\"> </span>50 %<span class=\"__14 _1156\"> </span>88<span class=\"__14 _9a_6\"> </span>111<span class=\"__14 _6a_6\"> </span>150<span class=\"__14 _1136\"> </span>349<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _6c_6\"> </span><span class=\"ls15_11 ws3b_5\">7,<span class=\"__14 _1066\"/>9<span class=\"__14 _1115\"> </span><span class=\"ls1b_8 ws41_5\">8,2<span class=\"__14 _1154\"> </span></span></span>8,3<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _8c_6\"> </span>-0,6<span class=\"__14 _1154\"> </span>1,8<span class=\"__14 _1121\"> </span>2,2<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _9b_6\"> </span>-10,5<span class=\"__14 _4e_6\"> </span><span class=\"ls14_11 ws3a_5\">-1,<span class=\"__14 _1072\"/>8<span class=\"__14 _8c_6\"> </span></span>2,0<span class=\"__14 _1ce\"> </span>Negativt scenario<span class=\"__14 _1ce\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _4b_6\"> </span>-3,0<span class=\"__14 _1115\"> </span>0,3<span class=\"__14 _1121\"> </span>1,4<span class=\"__14 _9c_7\"> </span>91<span class=\"__14 _1120\"> </span>40 %<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _1153\"> </span><span class=\"ls16_11 ws3c_5\">8,7<span class=\"__14 _1121\"> </span><span class=\"ls17_11 ws3d_5\">9<span class=\"__14 _1072\"/>,1<span class=\"__14 _1121\"> </span></span></span>9,2<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _1121\"> </span>-2,9<span class=\"__14 _1149\"> </span>0,4<span class=\"__14 _1121\"> </span>1,0<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1111\"> </span>-13,<span class=\"__14 _b_13\"/>1<span class=\"__14 _3f_8\"> </span>-5,0<span class=\"__14 _8c_6\"> </span>0,2<span class=\"__14 _1ce\"> </span>Utanf<span class=\"__14 _b_13\"/>\u00f6r <span class=\"__14 _1ce\">Norden1</span><span class=\"__14 _9d_6\"> </span>3<span class=\"__14 _1105\"> </span>2<span class=\"__14 _1155\"> </span>0<span class=\"__14 _1151\"> </span>5<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _9e_6\"> </span>587<span class=\"__14 _1156\"> </span>554<span class=\"__14 _6a_6\"> </span>719<span class=\"__14 _8c_6\"> </span>1 860 1) De\ufb01nierat som res<span class=\"__14 _1058\"/>erver/<span class=\"__14 _b_13\"/>avs\u00e4ttningar bokade i legala enheter<span class=\"__14 _b_13\"/>/\ufb01lialer utanf\u00f6r Norden. Reserver<span class=\"__14 _b_13\"/>/avs\u00e4<span class=\"__14 _b_13\"/>ttningar de\ufb01nierade som j\u00e4mf\u00f6relsest<span class=\"__14 _b_13\"/>\u00f6rande poster, 7<span class=\"__14 _b_13\"/>6 mn euro \u00e4r presenterade <span class=\"__14 _1069\"/> <span class=\"__14 _9f_6\"/> <span class=\"__14 _1069\"/> <span class=\"__14 _9f_6\"/> <span class=\"__14 _9f_6\"/> i de nordiska enheterna.<span class=\"__14 _1ce\"> </span>Scenarier och a<span class=\"__14 _b_13\"/>vs\u00e4ttningar 2022, forts.<span class=\"__14 _1ce\"> </span>205<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>Scenarier och a<span class=\"__14 _b_13\"/>vs\u00e4ttningar 2021<span class=\"__14 _1ce\"> </span>Danmark<span class=\"__14 _8a_6\"> </span><span class=\"fs7_13\">2022<span class=\"__14 _1117\"> </span>2023<span class=\"__14 _a0_6\"> </span>2024<span class=\"__14 _1ce\"> </span></span>F\u00f6rv\u00e4n<span class=\"__14 _1058\"/>tade kredit- f\u00f6rlust<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>, ovikta<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>, mn euro<span class=\"__14 _1ce\"> </span>Sannolik- hetsvikt<span class=\"__14 _1ce\"> </span>Modell- baserade avs\u00e4<span class=\"__14 _1058\"/>ttningar<span class=\"__14 _b_13\"/>, mn euro<span class=\"__14 _1ce\"> </span>Justering <span class=\"__14 _1069\"/> modell- baserade avs\u00e4<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ttningar1, </span>mn euro<span class=\"__14 _1ce\"> </span>Indi- viduella <span class=\"__14 _1069\"/> avs\u00e4<span class=\"__14 _1058\"/>tt- ningar<span class=\"__14 _b_13\"/>, mn euro<span class=\"__14 _1ce\"> </span>Summa <span class=\"__14 _1069\"/> avs\u00e4<span class=\"__14 _1058\"/>tt- ningar<span class=\"__14 _b_13\"/>, mn euro<span class=\"__14 _1ce\"> </span>Gynnsamt scenario<span class=\"__14 _1ce\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _1093\"> </span><span class=\"ls16_11 ws3c_5\">4,7<span class=\"__14 _8c_6\"> </span>2<span class=\"__14 _1072\"/>,7<span class=\"__14 _1121\"> </span></span>2,3<span class=\"__14 _7c_6\"> </span>198<span class=\"__14 _7b_6\"> </span>20 %<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _6c_6\"> </span><span class=\"ls16_11 ws3c_5\">2<span class=\"__14 _1072\"/>,7<span class=\"__14 _1115\"> </span></span>2,4<span class=\"__14 _8c_6\"> </span>2,4<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _a1_6\"> </span><span class=\"ls15_11 ws3b_5\">7,<span class=\"__14 _1072\"/>3<span class=\"__14 _8c_6\"> </span></span>2,5<span class=\"__14 _5f_6\"> </span><span class=\"ls17_11 ws3d_5\">2<span class=\"__14 _1066\"/>,1<span class=\"__14 _1ce\"> </span></span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _8e_6\"> </span>5,3<span class=\"__14 _1115\"> </span>3,3<span class=\"__14 _8c_6\"> </span>2,3<span class=\"__14 _1ce\"> </span>Grundscenario<span class=\"__14 _a_13\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _2a_8\"> </span><span class=\"ls17_11 ws3d_5\">3<span class=\"__14 _1066\"/>,1<span class=\"__14 _1154\"> </span></span>2,4<span class=\"__14 _8c_6\"> </span>2,4<span class=\"__14 _6a_6\"> </span>200<span class=\"__14 _5f_6\"> </span>60 %<span class=\"__14 _1136\"> </span>200<span class=\"__14 _1152\"> </span>163<span class=\"__14 _1113\"> </span>303<span class=\"__14 _1129\"> </span>666<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _1153\"> </span>3,2<span class=\"__14 _1121\"> </span><span class=\"ls17_11 ws3d_5\">3<span class=\"__14 _1066\"/>,1<span class=\"__14 _1120\"> </span>3<span class=\"__14 _1072\"/>,1<span class=\"__14 _1ce\"> </span></span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _a1_6\"> </span><span class=\"ls17_11 ws3d_5\">6<span class=\"__14 _1066\"/>,1<span class=\"__14 _1118\"> </span>2<span class=\"__14 _1072\"/>,1<span class=\"__14 _1121\"> </span></span>2,0<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _4b_6\"> </span>4,6<span class=\"__14 _8c_6\"> </span>1,<span class=\"__14 _1072\"/>2<span class=\"__14 _1154\"> </span>3,0<span class=\"__14 _1ce\"> </span>Negativt scenario<span class=\"__14 _1ce\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _1092\"> </span>1,3<span class=\"__14 _1154\"> </span>2,3<span class=\"__14 _8c_6\"> </span>2,0<span class=\"__14 _6a_6\"> </span>205<span class=\"__14 _7b_6\"> </span>20 %<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _1105\"> </span><span class=\"ls17_11 ws3d_5\">4<span class=\"__14 _1072\"/>,1<span class=\"__14 _1115\"> </span></span>4,0<span class=\"__14 _1115\"> </span>4,0<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _1130\"> </span><span class=\"ls17_11 ws3d_5\">5<span class=\"__14 _1072\"/>,1<span class=\"__14 _1121\"> </span></span>1,5<span class=\"__14 _1118\"> </span>1,3<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _7e_6\"> </span>-4,4<span class=\"__14 _3b_8\"> </span>-1,9<span class=\"__14 _1121\"> </span>1,4<span class=\"__14 _1ce\"> </span>Finland<span class=\"__14 _1ce\"> </span>Gynnsamt scenario<span class=\"__14 _1ce\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _a2_6\"> </span>4,0<span class=\"__14 _1154\"> </span>1,8<span class=\"__14 _1118\"> </span>1,2<span class=\"__14 _6a_6\"> </span>2<span class=\"__14 _1072\"/>38<span class=\"__14 _7b_6\"> </span>20 %<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _1153\"> </span><span class=\"ls16_11 ws3c_5\">6,7<span class=\"__14 _1115\"> </span></span>6,4<span class=\"__14 _1154\"> </span>6,2<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _7c_6\"> </span>5,5<span class=\"__14 _1121\"> </span><span class=\"ls16_11 ws3c_5\">1,7<span class=\"__14 _1121\"> </span></span>1,6<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1105\"> </span><span class=\"ls17_11 ws3d_5\">3,1<span class=\"__14 _1121\"> </span><span class=\"ls16_11 ws3c_5\">2,7<span class=\"__14 _8c_6\"> </span></span></span>2,0<span class=\"__14 _1ce\"> </span>Grundscenario<span class=\"__14 _a_13\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _a3_6\"> </span>2,8<span class=\"__14 _8c_6\"> </span>1,3<span class=\"__14 _1121\"> </span>1,0<span class=\"__14 _7c_6\"> </span><span class=\"ls16_11 ws3c_5\">242<span class=\"__14 _7b_6\"> </span></span>60 %<span class=\"__14 _1147\"> </span><span class=\"ls16_11 ws3c_5\">244<span class=\"__14 _a4_6\"> </span><span class=\"ls14_11 ws3a_5\">177<span class=\"__14 _7c_6\"> </span><span class=\"ls18_10 ws3e_5\">197<span class=\"__14 _1148\"> </span></span></span></span>618<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _1079\"> </span>6,9<span class=\"__14 _1154\"> </span><span class=\"ls16_11 ws3c_5\">6<span class=\"__14 _1072\"/>,7<span class=\"__14 _1154\"> </span></span>6,6<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _a5_7\"> </span>4,6<span class=\"__14 _8c_6\"> </span>1,3<span class=\"__14 _1118\"> </span>1,2<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _6c_6\"> </span>1,5<span class=\"__14 _1154\"> </span>1,6<span class=\"__14 _1121\"> </span>1,4<span class=\"__14 _1ce\"> </span>Negativt scenario<span class=\"__14 _1ce\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _a2_6\"> </span>0,6<span class=\"__14 _8c_6\"> </span>1,2<span class=\"__14 _1154\"> </span>0,9<span class=\"__14 _7c_6\"> </span>255<span class=\"__14 _7b_6\"> </span>20 %<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _1105\"> </span><span class=\"ls15_11 ws3b_5\">7,<span class=\"__14 _1072\"/>7<span class=\"__14 _1118\"> </span>7,<span class=\"__14 _1072\"/>5<span class=\"__14 _5f_6\"> </span>7,<span class=\"__14 _1072\"/>2<span class=\"__14 _1ce\"> </span></span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _6a_6\"> </span>2,9<span class=\"__14 _8f_6\"> </span>0,6<span class=\"__14 _1115\"> </span>0,6<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1132\"> </span>-2,0<span class=\"__14 _3f_8\"> </span>-0,3<span class=\"__14 _8c_6\"> </span>0,5<span class=\"__14 _1ce\"> </span>206<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>Scenarier och a<span class=\"__14 _b_13\"/>vs\u00e4ttningar 2021, forts.<span class=\"__14 _1ce\"> </span>Norge<span class=\"__14 _1150\"> </span><span class=\"fs7_13\">2022<span class=\"__14 _1117\"> </span>2023<span class=\"__14 _a0_6\"> </span>2024<span class=\"__14 _1ce\"> </span></span>F\u00f6rv\u00e4n<span class=\"__14 _1058\"/>tade kredit- f\u00f6rlust<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>, ovikta<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>, mn euro<span class=\"__14 _1ce\"> </span>Sannolik- hetsvikt<span class=\"__14 _1ce\"> </span>Modell- baserade avs\u00e4<span class=\"__14 _1058\"/>ttningar<span class=\"__14 _b_13\"/>, mn euro<span class=\"__14 _1ce\"> </span>Justering <span class=\"__14 _1069\"/> modell- baserade avs\u00e4<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ttningar1, </span>mn euro<span class=\"__14 _1ce\"> </span>Indi- viduella <span class=\"__14 _1069\"/> avs\u00e4<span class=\"__14 _1058\"/>tt- ningar<span class=\"__14 _b_13\"/>, mn euro<span class=\"__14 _1ce\"> </span>Summa <span class=\"__14 _1069\"/> avs\u00e4<span class=\"__14 _1058\"/>tt- ningar<span class=\"__14 _b_13\"/>, mn euro<span class=\"__14 _1ce\"> </span>Gynnsamt scenario<span class=\"__14 _1ce\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _a2_6\"> </span>4,6<span class=\"__14 _1121\"> </span><span class=\"ls16_11 ws3c_5\">1,7<span class=\"__14 _1118\"> </span></span>1,4<span class=\"__14 _1148\"> </span>82<span class=\"__14 _a6_7\"> </span>20 %<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _1153\"> </span>3,5<span class=\"__14 _1115\"> </span>3,3<span class=\"__14 _8c_6\"> </span>3,3<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _8c_6\"> </span>10,2<span class=\"__14 _1149\"> </span>4,0<span class=\"__14 _1121\"> </span>2,3<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1079\"> </span>3,9<span class=\"__14 _1154\"> </span>2,5<span class=\"__14 _8c_6\"> </span>2,4<span class=\"__14 _1ce\"> </span>Grundscenario<span class=\"__14 _a_13\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _a2_6\"> </span>3,<span class=\"__14 _1072\"/>8<span class=\"__14 _8c_6\"> </span>1,3<span class=\"__14 _1115\"> </span>0,9<span class=\"__14 _1148\"> </span>84<span class=\"__14 _1120\"> </span>60 %<span class=\"__14 _1156\"> </span>84<span class=\"__14 _1155\"> </span>180<span class=\"__14 _7b_6\"> </span>360<span class=\"__14 _1147\"> </span><span class=\"ls16_11 ws3c_5\">624<span class=\"__14 _1ce\"> </span></span>Arbetsl\u00f6shet, % <span class=\"__14 _6c_6\"> </span><span class=\"ls16_11 ws3c_5\">3,7<span class=\"__14 _1115\"> </span></span>3,6<span class=\"__14 _1121\"> </span><span class=\"ls16_11 ws3c_5\">3,7<span class=\"__14 _1ce\"> </span></span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _a5_7\"> </span>9,6<span class=\"__14 _1115\"> </span>3,6<span class=\"__14 _1121\"> </span>1,5<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _a7_7\"> </span><span class=\"ls16_11 ws3c_5\">1,7<span class=\"__14 _1121\"> </span></span>1,2<span class=\"__14 _1154\"> </span>3,0<span class=\"__14 _1ce\"> </span>Negativt scenario<span class=\"__14 _1ce\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _1092\"> </span>1,2<span class=\"__14 _1121\"> </span>1,2<span class=\"__14 _1120\"> </span><span class=\"ls17_11 ws3d_5\">1<span class=\"__14 _1066\"/>,1<span class=\"__14 _8d_6\"> </span></span>89<span class=\"__14 _7b_6\"> </span>20 %<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _1079\"> </span>4,8<span class=\"__14 _8f_6\"> </span>4,6<span class=\"__14 _8c_6\"> </span>4,5<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _1113\"> </span>8,0<span class=\"__14 _8c_6\"> </span><span class=\"ls16_11 ws3c_5\">2,7<span class=\"__14 _7b_6\"> </span><span class=\"ls17_11 ws3d_5\">1<span class=\"__14 _1066\"/>,1<span class=\"__14 _1ce\"> </span></span></span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1ce\"> </span>-4,6<span class=\"__14 _5a_6\"> </span>-3,0<span class=\"__14 _1121\"> </span>1,4<span class=\"__14 _1ce\"> </span>Sverige<span class=\"__14 _1ce\"> </span>Gynnsamt scenario<span class=\"__14 _1ce\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _1093\"> </span>5,2<span class=\"__14 _1115\"> </span>2,4<span class=\"__14 _1121\"> </span>1,8<span class=\"__14 _1148\"> </span>93<span class=\"__14 _a6_7\"> </span>20 %<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _a7_7\"> </span><span class=\"ls15_11 ws3b_5\">7,<span class=\"__14 _1066\"/>2<span class=\"__14 _8c_6\"> </span><span class=\"ls16_11 ws3c_5\">6,7<span class=\"__14 _1121\"> </span>6,7<span class=\"__14 _1ce\"> </span></span></span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _6a_6\"> </span>6,2<span class=\"__14 _1115\"> </span>2,8<span class=\"__14 _8c_6\"> </span>2,4<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _4b_6\"> </span>4,6<span class=\"__14 _1154\"> </span>2,5<span class=\"__14 _8c_6\"> </span>2,4<span class=\"__14 _1ce\"> </span>Grundscenario<span class=\"__14 _a_13\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _a3_6\"> </span>3,6<span class=\"__14 _1154\"> </span>2,2<span class=\"__14 _1121\"> </span>1,8<span class=\"__14 _1148\"> </span>96<span class=\"__14 _5f_6\"> </span>60 %<span class=\"__14 _1156\"> </span>96<span class=\"__14 _1151\"> </span>70<span class=\"__14 _1136\"> </span>98<span class=\"__14 _1136\"> </span>264<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _6c_6\"> </span><span class=\"ls15_11 ws3b_5\">7,<span class=\"__14 _1066\"/>6<span class=\"__14 _1121\"> </span>7,<span class=\"__14 _1066\"/>2<span class=\"__14 _1113\"> </span>7,1<span class=\"__14 _1ce\"> </span></span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _a5_7\"> </span>4,6<span class=\"__14 _1115\"> </span>2,6<span class=\"__14 _5f_6\"> </span><span class=\"ls17_11 ws3d_5\">2<span class=\"__14 _1072\"/>,1<span class=\"__14 _1ce\"> </span></span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _a7_7\"> </span><span class=\"ls17_11 ws3d_5\">2<span class=\"__14 _1066\"/>,1<span class=\"__14 _8c_6\"> </span></span>1,8<span class=\"__14 _8c_6\"> </span>3,0<span class=\"__14 _1ce\"> </span>Negativt scenario<span class=\"__14 _1ce\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _1092\"> </span>1,4<span class=\"__14 _1121\"> </span><span class=\"ls16_11 ws3c_5\">1,7<span class=\"__14 _8c_6\"> </span></span>2,0<span class=\"__14 _1130\"> </span>101<span class=\"__14 _7b_6\"> </span>20 %<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _8e_6\"> </span>8,3<span class=\"__14 _8c_6\"> </span><span class=\"ls17_11 ws3d_5\">8<span class=\"__14 _1066\"/>,1<span class=\"__14 _1118\"> </span><span class=\"ls15_11 ws3b_5\">7,<span class=\"__14 _1072\"/>9<span class=\"__14 _1ce\"> </span></span></span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _6a_6\"> </span>2,9<span class=\"__14 _8c_6\"> </span>1,<span class=\"__14 _1072\"/>2<span class=\"__14 _1121\"> </span>1,6<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1132\"> </span><span class=\"ls16_11 ws3c_5\">-<span class=\"__14 _1072\"/>4<span class=\"__14 _1072\"/>,7<span class=\"__14 _3b_8\"> </span></span>-3,7<span class=\"__14 _1118\"> </span>1,2<span class=\"__14 _1ce\"> </span>Utanf<span class=\"__14 _b_13\"/>\u00f6r Norden<span class=\"__14 _a8_7\"> </span>4<span class=\"__14 _a7_7\"> </span>6<span class=\"__14 _6a_6\"> </span>222<span class=\"__14 _1148\"> </span>232<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _a9_7\"> </span>628<span class=\"__14 _aa_6\"> </span>596<span class=\"__14 _1119\"> </span>1 180<span class=\"__14 _1154\"> </span>2 404 <span class=\"fs8_12\">1)  Inkluderar 610 mn euro a<span class=\"__14 _1058\"/>vseende reserveringar enligt ledningens bed\u00f6mning och -14 mn eur<span class=\"__14 _1058\"/>o avseende sena r<span class=\"__14 _1058\"/>\u00e4ttelser<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span></span>207<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>2.<span class=\"__14 _b_13\"/>10 Kreditportf\u00f6lj Den samlade kreditriske<span class=\"__14 _b_13\"/>xponeringen, inklusive poster i och utanf<span class=\"__14 _b_13\"/>\u00f6r balansr\u00e4kningen och exponeringar h\u00e4nf<span class=\"__14 _b_13\"/>\u00f6rliga till v\u00e4r-<span class=\"__14 _1ce\"> </span>depapper och livf\u00f6rs\u00e4kringsr\u00f6relsen, uppgick vid \u00e5rsskiftet till <span class=\"__14 _1ce\">565 md euro (553 md euro f</span><span class=\"__14 _b_13\"/>\u00f6rra \u00e5ret). Den samlade kredite<span class=\"__14 _b_13\"/>x-<span class=\"__14 _1ce\"> </span>poneringen enligt de\ufb01nitionen i kapitalt\u00e4ckningsf<span class=\"__14 _b_13\"/>\u00f6rordningen uppgick vid \u00e5rets slut, efter den s\u00e5 kallade kreditkon<span class=\"__14 _b_13\"/>ver<span class=\"__14 _1072\"/>te-<span class=\"__14 _1ce\"> </span>ringsfak<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">torn, till 511 md euro (506 md euro). Kr</span><span class=\"__14 _b_13\"/>editrisk m\u00e4ts, \u00f6vervakas och delas upp p\u00e5 olika s\u00e4<span class=\"__14 _b_13\"/>tt<span class=\"__14 _1072\"/>. Utl\u00e5ning i balansr\u00e4k-<span class=\"__14 _1ce\"> </span>ningen best\u00e5r a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">v utl\u00e5ning till upplupet anskaffningsv\u00e4rde och </span>verkligt v\u00e4r<span class=\"__14 _1058\"/>de och utg\u00f6r huvuddelen a<span class=\"__14 _b_13\"/>v kreditpor<span class=\"__14 _1072\"/>tf\u00f6ljen. Utl\u00e5<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">ning till upplupet anskaffningsv</span><span class=\"__14 _b_13\"/>\u00e4rde bildar underlag f\u00f6r os\u00e4kra l\u00e5nef<span class=\"__14 _b_13\"/>ordringar<span class=\"__14 _b_13\"/>, reserveringar och kreditf\u00f6rlus<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1058\"/>.<span class=\"__14 _1ce\"> </span>Kreditrisken i utl\u00e5ningen m\u00e4ts och r<span class=\"__14 _b_13\"/>edovisas som kapital-<span class=\"__14 _1ce\"> </span>beloppet av f<span class=\"__14 _b_13\"/>ordringar i balansr\u00e4kningen, dvs. utl\u00e5ning till kreditinstitut och till allm\u00e4nheten, och s<span class=\"__14 _1058\"/>om ansvarsf\u00f6rbindel<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>ser och \u00e5taganden gen<span class=\"__14 _b_13\"/>temot kunder och motparter<span class=\"__14 _b_13\"/>, netto efter reserveringar<span class=\"__14 _1c_10\"/>. Kreditriskexponeringen omf<span class=\"__14 _b_13\"/>attar ocks\u00e5 risken h\u00e4nf<span class=\"__14 _b_13\"/>\u00f6rlig till derivatkon<span class=\"__14 _1058\"/>trak<span class=\"__14 _b_13\"/>t och v\u00e4rdepappers\ufb01nan-<span class=\"__14 _1ce\"> </span>siering. Nordeas utl\u00e5ning till allm\u00e4nheten \u00f6kade under 2022 <span class=\"__14 _1ce\">med 0,2 procent, till 346 md euro (345 md euro</span><span class=\"__14 _b_13\"/>). Utl\u00e5ningen till f\u00f6r<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">etag \u00f6kade med omkring 4,2 procen</span><span class=\"__14 _1058\"/>t, medan utl\u00e5-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">ningen till privatpersoner minskade med 3,4 pr</span><span class=\"__14 _1058\"/>ocent. Den \u00f6vergripande kr<span class=\"__14 _b_13\"/>editkvaliteten \u00e4r stabil, med h\u00f6g kreditv\u00e4r<span class=\"__14 _b_13\"/>dig-<span class=\"__14 _1ce\"> </span>het bland kunderna. <span class=\"__14 _b_13\"/>Till f\u00f6ljd a<span class=\"__14 _b_13\"/>v de just nu os\u00e4kra makroeko-<span class=\"__14 _1ce\"> </span>nomiska utsikt<span class=\"__14 _1058\"/>erna genomf<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>s noggranna uppf<span class=\"__14 _b_13\"/>\u00f6ljningar, men kreditkvalitet<span class=\"__14 _b_13\"/>en var fortsatt stark under 2022. <span class=\"__14 _b_13\"/>Av utl\u00e5ningen till allm\u00e4nheten a<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">vs\u00e5g 46,0 procen</span><span class=\"__14 _b_13\"/>t (44,3 procen<span class=\"__14 _b_13\"/>t) f\u00f6retag, <span class=\"__14 _1ce\">52,5 procent (54,4 pr</span><span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ocent) privatpersoner och 1,5 proc</span><span class=\"__14 _b_13\"/>ent <span class=\"__14 _1ce\">(1,3 procen</span><span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">t) den offentliga sek</span><span class=\"__14 _b_13\"/>torn. Utl\u00e5ningen till central<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>banker och kreditinstitut, huvudsakligen i f<span class=\"__14 _1058\"/>orm av tillgodoha<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>vanden i andra bank<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>, \u00f6kade och uppgick vid utg\u00e5ngen av <span class=\"__14 _1ce\">2022 till 5 md euro (2 md euro</span><span class=\"__14 _1058\"/>).<span class=\"__14 _1ce\"> </span>2.<span class=\"__14 _b_13\"/>11 Utl\u00e5ning till f\u00f6r<span class=\"__14 _b_13\"/>etagskunder<span class=\"__14 _1ce\"> </span>Utl\u00e5ningen till f\u00f6r<span class=\"__14 _1058\"/>etagskunder uppgick vid utg\u00e5ngen a<span class=\"__14 _b_13\"/>v 2022 <span class=\"__14 _1ce\">till 159 md euro (153 md euro</span><span class=\"__14 _1058\"/>). Den bransch som \u00f6kade mes<span class=\"__14 _b_13\"/>t i absoluta termer under \u00e5r<span class=\"__14 _1058\"/>et var Industri, medan Samh\u00e4llsn<span class=\"__14 _1058\"/>yt-<span class=\"__14 _1ce\"> </span>tiga tj\u00e4nster minskade mes<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>. De tre st\u00f6rsta br<span class=\"__14 _1058\"/>anscherna (F<span class=\"__14 _b_13\"/>ast-<span class=\"__14 _1ce\"> </span>ighetsbolag, Finansinstitut och Industri) sv<span class=\"__14 _b_13\"/>arade tillsammans <span class=\"__14 _1ce\">f\u00f6r cirka 60 pr</span><span class=\"__14 _b_13\"/>ocent av den samlade utl\u00e5ningen till f<span class=\"__14 _b_13\"/>\u00f6retag. F<span class=\"__14 _b_13\"/>astighetsbolag var fortsatt den s<span class=\"__14 _1058\"/>t\u00f6rsta brans<span class=\"__14 _1058\"/>chen i Nordeas <span class=\"__14 _1ce\">kreditportf\u00f6lj, med 44,6 md euro (</span><span class=\"__14 _b_13\"/>46,5 md euro). F<span class=\"__14 _b_13\"/>astighets-<span class=\"__14 _1ce\"> </span>kreditportf\u00f6ljen dominer<span class=\"__14 _1058\"/>as av r<span class=\"__14 _b_13\"/>elativt stora och \ufb01nansiellt starka f<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">\u00f6retag, med 94 procent (94 pr</span><span class=\"__14 _b_13\"/>ocent) av e<span class=\"__14 _b_13\"/>xponeringen i ratingklass 4\u2013 och h\u00f6gr<span class=\"__14 _1058\"/>e. Som framg\u00e5r a<span class=\"__14 _b_13\"/>v tabellen nedan \u00e4r utl\u00e5ningen till f\u00f6r<span class=\"__14 _1058\"/>etagskunder v\u00e4l div<span class=\"__14 _b_13\"/>er<span class=\"__14 _1072\"/>si\ufb01erad sett till l\u00e5nens <span class=\"__14 _1ce\">storlek. Cirka 64 procen</span><span class=\"__14 _b_13\"/>t (68 procent) a<span class=\"__14 _b_13\"/>v f\u00f6retagsutl\u00e5ningen avser l\u00e5n p\u00e5 upp till 50 mn eur<span class=\"__14 _b_13\"/>o per kund.<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till f\u00f6r<span class=\"__14 _1058\"/>etagskunder<span class=\"__14 _b_13\"/>, efter l\u00e5nets st<span class=\"__14 _1058\"/>orlek<span class=\"__14 _1ce\"> </span>31 dec 2022<span class=\"__14 _1153\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span>Storlek i mn euro<span class=\"__14 _1ce\"> </span>Utl\u00e5ning    md euro<span class=\"__14 _1147\"> </span>%<span class=\"__14 _1ce\"> </span>Utl\u00e5ning    md euro<span class=\"__14 _1147\"> </span>%<span class=\"__14 _1ce\"> </span>0\u201310<span class=\"__14 _ab_6\"> </span>64,0<span class=\"__14 _4c_6\"> </span>40<span class=\"__14 _8f_6\"> </span>65,5<span class=\"__14 _4c_6\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _1ce\"> </span></span>11\u201350<span class=\"__14 _ac_6\"> </span>38,3<span class=\"__14 _1130\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1121\"> </span><span class=\"ls15_11 ws3b_5\">3<span class=\"__14 _1072\"/>7,<span class=\"__14 _1072\"/>7<span class=\"__14 _1104\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1ce\"> </span></span></span></span>51\u2013100<span class=\"__14 _ad_6\"> </span><span class=\"ls0_14 ws0_14\">20,5<span class=\"__14 _1104\"> </span>13<span class=\"__14 _1115\"> </span><span class=\"ls1b_8 ws41_5\">1<span class=\"__14 _b_13\"/>8,8<span class=\"__14 _1129\"> </span><span class=\"ls0_14 ws0_14\">12<span class=\"__14 _1ce\"> </span></span></span></span>101\u2013<span class=\"__14 _b_13\"/>2<span class=\"__14 _1072\"/>50<span class=\"__14 _ae_7\"> </span>21,6<span class=\"__14 _1104\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1115\"> </span></span>19,6<span class=\"__14 _1104\"> </span>13<span class=\"__14 _1ce\"> </span>251\u2013500<span class=\"__14 _af_7\"> </span>9,3<span class=\"__14 _1106\"> </span>6<span class=\"__14 _4c_6\"> </span><span class=\"ls17_11 ws3d_5\">5<span class=\"__14 _1066\"/>,1<span class=\"__14 _b0_6\"> </span></span>3<span class=\"__14 _1ce\"> </span>501\u2013<span class=\"__14 _b1_6\"> </span>5,5<span class=\"__14 _1106\"> </span>3<span class=\"__14 _a6_7\"> </span>6,0<span class=\"__14 _1106\"> </span>4<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _b2_7\"> </span>159,2<span class=\"__14 _1121\"> </span>100<span class=\"__14 _3f_8\"> </span>152,<span class=\"__14 _1058\"/>7<span class=\"__14 _1121\"> </span>100<span class=\"__14 _1ce\"> </span>2.<span class=\"__14 _b_13\"/>12 Utl\u00e5ning till privatk<span class=\"__14 _b_13\"/>under Utl\u00e5ningen till privatk<span class=\"__14 _b_13\"/>under minskade under 2022 med <span class=\"__14 _1ce\">3,4 procen</span><span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/><span class=\"__14 _1ce\">, till 181 md euro (188 md euro). Minskningen </span>avs\u00e5g alla nor<span class=\"__14 _b_13\"/>diska l\u00e4nder utom Finland och var huvudsakli-<span class=\"__14 _1ce\"> </span>gen h\u00e4nf<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">\u00f6rlig till bol\u00e5n. Bol\u00e5nen minskade till 155 md euro </span>(162 md euro), medan konsum<span class=\"__14 _b_13\"/>tionsl\u00e5nen \u00f6kade n\u00e5got till <span class=\"__14 _1ce\">26 md euro (25 md euro). Bol\u00e5nens andel a</span><span class=\"__14 _b_13\"/>v utl\u00e5ningen till privatk<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">under var stabil med 86 procen</span><span class=\"__14 _b_13\"/>t (86 procent).<span class=\"__14 _1ce\"> </span>208<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till allm\u00e4nheten, v\u00e4rder<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ad till upplupet anskaffningsv\u00e4rde och v</span><span class=\"__14 _b_13\"/>erkligt v\u00e4rde<span class=\"__14 _1ce\"> </span>31 dec 2022, mn euro<span class=\"__14 _b3_6\"> </span>Danmark<span class=\"__14 _1130\"> </span>Finland<span class=\"__14 _b0_6\"> </span>Norge<span class=\"__14 _1113\"> </span><span class=\"__14 _1ce\">Sverige1</span><span class=\"__14 _8d_6\"> </span><span class=\"__14 _1ce\">\u00d6vrigt1</span><span class=\"__14 _1130\"> </span>Summa Finansinstitut<span class=\"__14 _b4_6\"> </span>3 004<span class=\"__14 _1156\"> </span>1 834<span class=\"__14 _1152\"> </span>1 218<span class=\"__14 _b0_6\"> </span>8 430<span class=\"__14 _b5_7\"> </span><span class=\"ls18_10 ws3e_5\">597<span class=\"__14 _1136\"> </span></span>15 083<span class=\"__14 _1ce\"> </span>Jordbruk<span class=\"__14 _b6_7\"> </span>4 880<span class=\"__14 _b5_7\"> </span>352<span class=\"__14 _b7_7\"> </span>3 039<span class=\"__14 _8e_6\"> </span>161<span class=\"__14 _b8_6\"> </span>5<span class=\"__14 _b7_7\"> </span>8 437     Gr\u00f6dor<span class=\"__14 _b_13\"/>, odling och jakt<span class=\"__14 _b9_7\"> </span><span class=\"ls18_10 ws3e_5\">2 797<span class=\"__14 _8e_6\"> </span><span class=\"ls14_11 ws3a_5\">173<span class=\"__14 _8e_6\"> </span></span></span>118<span class=\"__14 _4b_6\"> </span>107<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _aa_6\"> </span>3 199     Djurh\u00e5llning<span class=\"__14 _ba_7\"> </span>2 069<span class=\"__14 _1079\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1072\"/>3<span class=\"__14 _1079\"> </span></span>125<span class=\"__14 _1093\"> </span>53<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b7_7\"> </span>2 420     Fiske och vatt<span class=\"__14 _1058\"/>enbruk<span class=\"__14 _1099\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1087\"> </span></span>6<span class=\"__14 _aa_6\"> </span>2 796<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _aa_6\"> </span>2 818<span class=\"__14 _1ce\"> </span>Naturresurser<span class=\"__14 _bc_6\"> </span>188<span class=\"__14 _1152\"> </span>1 120<span class=\"__14 _9b_6\"> </span>1 07<span class=\"__14 _1072\"/>7<span class=\"__14 _8e_6\"> </span><span class=\"ls14_11 ws3a_5\">517<span class=\"__14 _4b_6\"> </span></span>201<span class=\"__14 _1156\"> </span>3 103     Pappers- och skogsproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _bd_7\"> </span>162<span class=\"__14 _1101\"> </span>859<span class=\"__14 _1101\"> </span>483<span class=\"__14 _b5_7\"> </span>452<span class=\"__14 _1079\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1072\"/>7<span class=\"__14 _1152\"> </span></span>2 133     Gruvdrift och kringverksamhet<span class=\"__14 _8a_6\"> </span>9<span class=\"__14 _be_7\"> </span>225<span class=\"__14 _4b_6\"> </span>120<span class=\"__14 _a3_6\"> </span>63<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _b5_7\"> </span>418<span class=\"__14 _1ce\">     Olje-, gas- och offshore-verksamhet</span><span class=\"__14 _1097\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _a3_6\"> </span></span>36<span class=\"__14 _be_7\"> </span><span class=\"ls1f_7 ws45_4\">4<span class=\"__14 _1066\"/>74<span class=\"__14 _bf_7\"> </span></span>2<span class=\"__14 _1093\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _b5_7\"> </span></span>552<span class=\"__14 _1ce\"> </span>Konsument dagligv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _c0_7\"> </span>2 300<span class=\"__14 _b5_7\"> </span>881<span class=\"__14 _1151\"> </span>809<span class=\"__14 _1155\"> </span>1 593<span class=\"__14 _a2_6\"> </span>68<span class=\"__14 _1155\"> </span>5 651     Livsmedel och drycker<span class=\"__14 _c1_6\"> </span>541<span class=\"__14 _1101\"> </span>364<span class=\"__14 _b5_7\"> </span>453<span class=\"__14 _1151\"> </span>480<span class=\"__14 _1092\"> </span>19<span class=\"__14 _1155\"> </span>1 857     Hush\u00e5lls- och hygienproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1116\"> </span>168<span class=\"__14 _a3_6\"> </span>87<span class=\"__14 _4b_6\"> </span>126<span class=\"__14 _b5_7\"> </span>356<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _b5_7\"> </span>739     H\u00e4lsov\u00e5rd<span class=\"__14 _c2_7\"> </span>1 591<span class=\"__14 _1101\"> </span>430<span class=\"__14 _c3_6\"> </span>230<span class=\"__14 _4b_6\"> </span><span class=\"ls14_11 ws3a_5\">757<span class=\"__14 _1092\"> </span></span>47<span class=\"__14 _b7_7\"> </span>3 055<span class=\"__14 _1ce\"> </span>Konsument s\u00e4llank<span class=\"__14 _b_13\"/>\u00f6p och tj\u00e4nster<span class=\"__14 _c4_6\"> </span><span class=\"ls16_11 ws3c_5\">2 24<span class=\"__14 _1072\"/>8<span class=\"__14 _b7_7\"> </span></span>2 445<span class=\"__14 _9b_6\"> </span>2 7<span class=\"__14 _b_13\"/>45<span class=\"__14 _b7_7\"> </span>5 296<span class=\"__14 _1093\"> </span>82<span class=\"__14 _1148\"> </span>12 816     Konsumentk<span class=\"__14 _1058\"/>apitalvar<span class=\"__14 _b_13\"/>or<span class=\"__14 _c5_7\"> </span>186<span class=\"__14 _b5_7\"> </span><span class=\"ls14_11 ws3a_5\">376<span class=\"__14 _b5_7\"> </span></span>203<span class=\"__14 _1156\"> </span>1 807<span class=\"__14 _1092\"> </span>81<span class=\"__14 _aa_6\"> </span>2 653     Media och underh\u00e5llning<span class=\"__14 _c6_6\"> </span>609<span class=\"__14 _b5_7\"> </span>333<span class=\"__14 _b5_7\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>8<span class=\"__14 _aa_6\"> </span></span>1 084<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1109\"> </span><span class=\"ls1f_7 ws45_4\">2<span class=\"__14 _1066\"/> 1<span class=\"__14 _1072\"/>74</span>     Detaljhandel<span class=\"__14 _c7_6\"> </span>720<span class=\"__14 _1156\"> </span>1 204<span class=\"__14 _1152\"> </span>1 199<span class=\"__14 _1156\"> </span>1 663<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b0_6\"> </span>4 786     Flygre<span class=\"__14 _1058\"/>sor<span class=\"__14 _c8_7\"> </span><span class=\"ls20_7 ws46_4\">73<span class=\"__14 _1093\"> </span></span>35<span class=\"__14 _a3_6\"> </span>59<span class=\"__14 _1092\"> </span>19<span class=\"__14 _1087\"> </span>0<span class=\"__14 _be_7\"> </span>186     Logi och fritid<span class=\"__14 _c9_7\"> </span>582<span class=\"__14 _1151\"> </span>448<span class=\"__14 _b5_7\"> </span>703<span class=\"__14 _c3_6\"> </span><span class=\"ls1e_7 ws44_4\">425<span class=\"__14 _1087\"> </span></span>0<span class=\"__14 _1155\"> </span>2 158     <span class=\"__14 _1058\"/>T<span class=\"__14 _1c_10\"/>elekomtj\u00e4nster<span class=\"__14 _ca_6\"> </span>78<span class=\"__14 _a2_6\"> </span>49<span class=\"__14 _c3_6\"> </span>4<span class=\"__14 _1072\"/>33<span class=\"__14 _1101\"> </span>298<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1101\"> </span>859<span class=\"__14 _1ce\"> </span>Industri<span class=\"__14 _cb_6\"> </span>8 225<span class=\"__14 _b7_7\"> </span>7 058<span class=\"__14 _b7_7\"> </span>9 539<span class=\"__14 _1148\"> </span>11 007<span class=\"__14 _1101\"> </span>2<span class=\"__14 _1072\"/>58<span class=\"__14 _1104\"> </span>36 087     R\u00e5v<span class=\"__14 _1058\"/>aror<span class=\"__14 _cc_7\"> </span>506<span class=\"__14 _b5_7\"> </span><span class=\"ls14_11 ws3a_5\">57<span class=\"__14 _1072\"/>3<span class=\"__14 _4b_6\"> </span></span>301<span class=\"__14 _1152\"> </span>1 222<span class=\"__14 _1093\"> </span>26<span class=\"__14 _b7_7\"> </span>2 628     Kapitalv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _cd_6\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _1072\"/>4<span class=\"__14 _1109\"> </span></span>1 616<span class=\"__14 _1101\"> </span>200<span class=\"__14 _1156\"> </span>1 286<span class=\"__14 _1092\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _b7_7\"> </span></span>3 918     Producenttj\u00e4ns<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1078\"> </span>1 861<span class=\"__14 _c3_6\"> </span>901<span class=\"__14 _1156\"> </span>2 379<span class=\"__14 _b7_7\"> </span>2 062<span class=\"__14 _8e_6\"> </span>118<span class=\"__14 _1152\"> </span>7 321     Byggindustri<span class=\"__14 _c9_7\"> </span><span class=\"ls14_11 ws3a_5\">1 177<span class=\"__14 _1109\"> </span></span>1 451<span class=\"__14 _1156\"> </span>4 377<span class=\"__14 _1156\"> </span>2 473<span class=\"__14 _1086\"> </span>3<span class=\"__14 _b7_7\"> </span>9 481     Partihandel<span class=\"__14 _ce_7\"> </span>2 921<span class=\"__14 _9b_6\"> </span>1 166<span class=\"__14 _1152\"> </span>1 031<span class=\"__14 _1156\"> </span>2 52<span class=\"__14 _1072\"/>5<span class=\"__14 _1092\"> </span>31<span class=\"__14 _1155\"> </span>7 674     Marktransport<span class=\"__14 _cf_6\"> </span>655<span class=\"__14 _1101\"> </span>863<span class=\"__14 _1101\"> </span>695<span class=\"__14 _b5_7\"> </span>675<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _b7_7\"> </span>2 892     IT<span class=\"__14 _b_13\"/>-tj\u00e4nster<span class=\"__14 _d0_6\"> </span>361<span class=\"__14 _1151\"> </span>488<span class=\"__14 _c3_6\"> </span>556<span class=\"__14 _c3_6\"> </span><span class=\"ls14_11 ws3a_5\">76<span class=\"__14 _1072\"/>4<span class=\"__14 _b8_6\"> </span></span>4<span class=\"__14 _1152\"> </span><span class=\"ls14_11 ws3a_5\">2 17<span class=\"__14 _1072\"/>3<span class=\"__14 _1ce\"> </span></span>Sj\u00f6fart<span class=\"__14 _d1_6\"> </span><span class=\"ls14_11 ws3a_5\">314<span class=\"__14 _1153\"> </span>151<span class=\"__14 _b7_7\"> </span></span>5 076<span class=\"__14 _a3_6\"> </span>96<span class=\"__14 _c3_6\"> </span>363<span class=\"__14 _1106\"> </span>6 000     V<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>vsindustri<span class=\"__14 _d2_6\"> </span>0<span class=\"__14 _1092\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _6c_6\"> </span></span>111<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1079\"> </span>125     Sj\u00f6transport<span class=\"__14 _d3_6\"> </span>181<span class=\"__14 _a3_6\"> </span>39<span class=\"__14 _b0_6\"> </span>4 820<span class=\"__14 _a2_6\"> </span>88<span class=\"__14 _c3_6\"> </span>363<span class=\"__14 _1156\"> </span>5 491     Sj\u00f6fartstj\u00e4ns<span class=\"__14 _1058\"/>ter<span class=\"__14 _d4_7\"> </span>133<span class=\"__14 _a2_6\"> </span>98<span class=\"__14 _4b_6\"> </span><span class=\"ls14_11 ws3a_5\">145<span class=\"__14 _b8_6\"> </span></span>8<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1101\"> </span>384<span class=\"__14 _1ce\"> </span>Samh\u00e4llsnyttiga tj\u00e4nster<span class=\"__14 _d5_6\"> </span>1 583<span class=\"__14 _1155\"> </span>3 519<span class=\"__14 _b7_7\"> </span>1 860<span class=\"__14 _1109\"> </span>1 316<span class=\"__14 _1087\"> </span>0<span class=\"__14 _aa_6\"> </span>8 278     El, vatten och gas<span class=\"__14 _d6_6\"> </span>1 166<span class=\"__14 _9b_6\"> </span>1 525<span class=\"__14 _1101\"> </span>985<span class=\"__14 _8e_6\"> </span>771<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b7_7\"> </span>4 447     Kraftproduk<span class=\"__14 _b_13\"/>tion<span class=\"__14 _ca_6\"> </span>62<span class=\"__14 _aa_6\"> </span>1 840<span class=\"__14 _1151\"> </span>680<span class=\"__14 _4b_6\"> </span>415<span class=\"__14 _1087\"> </span>0<span class=\"__14 _aa_6\"> </span>2 997     Allm\u00e4nnyttiga f<span class=\"__14 _b_13\"/>\u00f6retag<span class=\"__14 _d7_6\"> </span>355<span class=\"__14 _be_7\"> </span>154<span class=\"__14 _4b_6\"> </span>195<span class=\"__14 _be_7\"> </span>130<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1101\"> </span>834<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _b_13\"/>astighetsbolag<span class=\"__14 _d8_7\"> </span>8 736<span class=\"__14 _1106\"> </span>8 006<span class=\"__14 _1155\"> </span>9 921<span class=\"__14 _1147\"> </span>17 853<span class=\"__14 _1153\"> </span>115<span class=\"__14 _1129\"> </span>44 631     Kommersiella fas<span class=\"__14 _b_13\"/>tigheter<span class=\"__14 _d9_6\"> </span>4 215<span class=\"__14 _da_6\"> </span>4 498<span class=\"__14 _da_6\"> </span>8 388<span class=\"__14 _b7_7\"> </span>8 032<span class=\"__14 _8e_6\"> </span>115<span class=\"__14 _1129\"> </span><span class=\"ls16_11 ws3c_5\">2<span class=\"__14 _1072\"/>5 24<span class=\"__14 _1072\"/>8</span>     Bostadsfas<span class=\"__14 _b_13\"/>tigheter<span class=\"__14 _db_6\"> </span>4 521<span class=\"__14 _b0_6\"> </span>3 508<span class=\"__14 _9b_6\"> </span>1 533<span class=\"__14 _1156\"> </span>9 821<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1136\"> </span>19 383<span class=\"__14 _1ce\"> </span>\u00d6vriga branscher<span class=\"__14 _ca_6\"> </span>489<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _8e_6\"> </span><span class=\"ls14_11 ws3a_5\">114<span class=\"__14 _2a_8\"> </span>51<span class=\"__14 _bf_7\"> </span></span>1<span class=\"__14 _c3_6\"> </span>655<span class=\"__14 _1ce\"> </span>Summa f\u00f6retagsk<span class=\"__14 _b_13\"/>under<span class=\"__14 _dc_6\"> </span>31 967<span class=\"__14 _1104\"> </span>25 366<span class=\"__14 _1104\"> </span>35 398<span class=\"__14 _1130\"> </span>46 320<span class=\"__14 _b7_7\"> </span>1 690<span class=\"__14 _a6_7\"> </span>140 7<span class=\"__14 _b_13\"/>41   Bol\u00e5n<span class=\"__14 _dd_7\"> </span>34 557<span class=\"__14 _1148\"> </span>34 113<span class=\"__14 _1147\"> </span>35 757<span class=\"__14 _1129\"> </span>51 069<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1120\"> </span>155 496   L\u00e5n mot s\u00e4kerhet<span class=\"__14 _de_6\"> </span>9 288<span class=\"__14 _b0_6\"> </span>6 208<span class=\"__14 _1155\"> </span>2 357<span class=\"__14 _9b_6\"> </span>2 241<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1130\"> </span>20 094   L\u00e5n utan s\u00e4kerhet<span class=\"__14 _df_6\"> </span>1 017<span class=\"__14 _9b_6\"> </span>2 133<span class=\"__14 _c3_6\"> </span>383<span class=\"__14 _1155\"> </span><span class=\"ls14_11 ws3a_5\">2<span class=\"__14 _1072\"/> 143<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _b7_7\"> </span>5 676<span class=\"__14 _1ce\"> </span>Privatkunder<span class=\"__14 _e0_6\"> </span>44 862<span class=\"__14 _a1_6\"> </span>4<span class=\"__14 _1072\"/>2 454<span class=\"__14 _1104\"> </span>38 49<span class=\"__14 _1058\"/>7<span class=\"__14 _1104\"> </span>55 453<span class=\"__14 _1087\"> </span><span class=\"ff2_14\">0<span class=\"__14 _a6_7\"> </span></span>181 266<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Offen</span><span class=\"__14 _1058\"/>tlig sektor<span class=\"__14 _e1_6\"> </span>1 131<span class=\"__14 _e2_6\"> </span>848<span class=\"__14 _1092\"> </span>19<span class=\"__14 _b0_6\"> </span>3 268<span class=\"__14 _1087\"> </span><span class=\"ff2_14\">0<span class=\"__14 _b7_7\"> </span></span>5 266<span class=\"__14 _1ce\"> </span>Omv\u00e4nda repor<span class=\"__14 _e3_6\"> </span><span class=\"ff2_14\">0<span class=\"__14 _1104\"> </span></span>18 470<span class=\"__14 _b8_6\"> </span><span class=\"ff2_14\">0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1104\"> </span></span>18 470<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till allm\u00e4nheten per land<span class=\"__14 _e4_6\"> </span>77 960<span class=\"__14 _1136\"> </span>87 138<span class=\"__14 _1129\"> </span>7<span class=\"__14 _1072\"/>3 914<span class=\"__14 _1120\"> </span>105 041<span class=\"__14 _b7_7\"> </span>1 690<span class=\"__14 _5f_6\"> </span>345 7<span class=\"__14 _b_13\"/>4<span class=\"__14 _1072\"/>3    vara<span class=\"__14 _b_13\"/>v v\u00e4rderad till verkligt v\u00e4r<span class=\"__14 _1058\"/>de<span class=\"__14 _e5_6\"> </span>52 089<span class=\"__14 _1136\"> </span>18 523<span class=\"__14 _1092\"> </span>15<span class=\"__14 _b8_6\"> </span><span class=\"ff2_14\">0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1129\"> </span></span>70 627<span class=\"__14 _1ce\"> </span>1)  L\u00e5n avseende Ryssland (<span class=\"__14 _b_13\"/>4 mn euro) och Baltikum (116 mn euro) som bokf<span class=\"__14 _b_13\"/>\u00f6rts i Sverige har flyttats till \u00d6vrigt.<span class=\"__14 _1ce\"> </span>209<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till allm\u00e4nheten, v\u00e4rder<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ad till upplupet anskaffningsv\u00e4rde och v</span><span class=\"__14 _b_13\"/>erkligt v\u00e4rde<span class=\"__14 _1ce\"> </span>31 dec 2021, mn euro<span class=\"__14 _e6_6\"> </span>Danmark<span class=\"__14 _1130\"> </span>Finland<span class=\"__14 _da_6\"> </span>Norge<span class=\"__14 _6a_6\"> </span><span class=\"__14 _1ce\">Sverige1</span><span class=\"__14 _8d_6\"> </span><span class=\"__14 _1ce\">\u00d6vrigt1</span><span class=\"__14 _1130\"> </span>Summa Finansinstitut<span class=\"__14 _e7_6\"> </span><span class=\"ls1f_7 ws45_4\">2<span class=\"__14 _1072\"/> 74<span class=\"__14 _1066\"/>2<span class=\"__14 _1102\"> </span></span>1 7<span class=\"__14 _b_13\"/>45<span class=\"__14 _1156\"> </span>1 380<span class=\"__14 _b7_7\"> </span>6 769<span class=\"__14 _1155\"> </span>1 190<span class=\"__14 _1147\"> </span>13 826<span class=\"__14 _1ce\"> </span>Jordbruk<span class=\"__14 _cc_7\"> </span>5 422<span class=\"__14 _1101\"> </span>346<span class=\"__14 _1152\"> </span>2 719<span class=\"__14 _1079\"> </span><span class=\"ls14_11 ws3a_5\">176<span class=\"__14 _b8_6\"> </span></span>5<span class=\"__14 _da_6\"> </span>8 668     Gr\u00f6dor<span class=\"__14 _b_13\"/>, odling och jakt<span class=\"__14 _b9_7\"> </span>3 165<span class=\"__14 _b5_7\"> </span>189<span class=\"__14 _be_7\"> </span>106<span class=\"__14 _1153\"> </span><span class=\"ls14_11 ws3a_5\">117<span class=\"__14 _1086\"> </span></span>5<span class=\"__14 _b7_7\"> </span>3 582     Djurh\u00e5llning<span class=\"__14 _e0_6\"> </span>2 2<span class=\"__14 _1072\"/>38<span class=\"__14 _4b_6\"> </span>155<span class=\"__14 _1153\"> </span>121<span class=\"__14 _a3_6\"> </span>58<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1156\"> </span><span class=\"ls14_11 ws3a_5\">2 57<span class=\"__14 _1072\"/>2</span>     Fiske och vatt<span class=\"__14 _1058\"/>enbruk<span class=\"__14 _e8_7\"> </span>19<span class=\"__14 _1086\"> </span>2<span class=\"__14 _b7_7\"> </span>2 492<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1155\"> </span><span class=\"ls14_11 ws3a_5\">2<span class=\"__14 _1072\"/> 514<span class=\"__14 _1ce\"> </span></span>Naturresurser<span class=\"__14 _e9_7\"> </span>221<span class=\"__14 _b7_7\"> </span>1 064<span class=\"__14 _1109\"> </span>1 134<span class=\"__14 _1153\"> </span><span class=\"ls14_11 ws3a_5\">511<span class=\"__14 _4b_6\"> </span></span>210<span class=\"__14 _1156\"> </span>3 140     Pappers- och skogsproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _ea_7\"> </span>181<span class=\"__14 _e2_6\"> </span>888<span class=\"__14 _c3_6\"> </span>4<span class=\"__14 _1072\"/>35<span class=\"__14 _1151\"> </span>460<span class=\"__14 _a3_6\"> </span>94<span class=\"__14 _b7_7\"> </span>2 058     Gruvdrift och kringverksamhet<span class=\"__14 _bd_7\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _4b_6\"> </span></span>158<span class=\"__14 _4b_6\"> </span>136<span class=\"__14 _a2_6\"> </span>49<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1101\"> </span>360<span class=\"__14 _1ce\">     Olje-, gas- och offshore-verksamhet</span><span class=\"__14 _eb_6\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1092\"> </span></span>18<span class=\"__14 _1101\"> </span>563<span class=\"__14 _1086\"> </span>2<span class=\"__14 _8e_6\"> </span>116<span class=\"__14 _b5_7\"> </span>7<span class=\"__14 _1072\"/>22<span class=\"__14 _1ce\"> </span>Konsument dagligv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _ec_6\"> </span>1 533<span class=\"__14 _b7_7\"> </span>1 099<span class=\"__14 _be_7\"> </span>681<span class=\"__14 _1156\"> </span>1 590<span class=\"__14 _a2_6\"> </span>66<span class=\"__14 _da_6\"> </span>4 969     Livsmedel och drycker<span class=\"__14 _ed_6\"> </span>235<span class=\"__14 _4b_6\"> </span>277<span class=\"__14 _b5_7\"> </span>307<span class=\"__14 _1101\"> </span>405<span class=\"__14 _1093\"> </span>20<span class=\"__14 _1156\"> </span>1 244     Hush\u00e5lls- och hygienproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1108\"> </span><span class=\"ls14_11 ws3a_5\">171<span class=\"__14 _a2_6\"> </span></span>60<span class=\"__14 _4b_6\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>2<span class=\"__14 _1101\"> </span></span>486<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _be_7\"> </span>861     H\u00e4lsov\u00e5rd<span class=\"__14 _ee_7\"> </span>1 127<span class=\"__14 _b5_7\"> </span><span class=\"ls14_11 ws3a_5\">76<span class=\"__14 _1072\"/>2<span class=\"__14 _be_7\"> </span></span>232<span class=\"__14 _1101\"> </span>699<span class=\"__14 _a2_6\"> </span>44<span class=\"__14 _b0_6\"> </span>2 864<span class=\"__14 _1ce\"> </span>Konsument s\u00e4llank<span class=\"__14 _b_13\"/>\u00f6p och tj\u00e4nster<span class=\"__14 _ef_6\"> </span>2 220<span class=\"__14 _aa_6\"> </span>2 282<span class=\"__14 _b7_7\"> </span>2 4<span class=\"__14 _1072\"/>20<span class=\"__14 _da_6\"> </span>4 894<span class=\"__14 _1093\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _8d_6\"> </span></span>11 841     Konsumentk<span class=\"__14 _1058\"/>apitalvar<span class=\"__14 _b_13\"/>or<span class=\"__14 _f0_7\"> </span>167<span class=\"__14 _4b_6\"> </span><span class=\"ls14_11 ws3a_5\">314<span class=\"__14 _be_7\"> </span></span>158<span class=\"__14 _1155\"> </span>1 697<span class=\"__14 _2a_8\"> </span>21<span class=\"__14 _9b_6\"> </span>2 357     Media och underh\u00e5llning<span class=\"__14 _f1_6\"> </span>552<span class=\"__14 _1079\"> </span>371<span class=\"__14 _4b_6\"> </span>150<span class=\"__14 _b5_7\"> </span>7<span class=\"__14 _1072\"/>33<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b7_7\"> </span>1 806     Detaljhandel<span class=\"__14 _1112\"> </span><span class=\"ls1b_8 ws41_5\">723<span class=\"__14 _1156\"> </span></span>1 047<span class=\"__14 _aa_6\"> </span>1 04<span class=\"__14 _1072\"/>2<span class=\"__14 _1156\"> </span>1 656<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _b7_7\"> </span>4 472     Flygre<span class=\"__14 _1058\"/>sor<span class=\"__14 _f2_6\"> </span>58<span class=\"__14 _a3_6\"> </span>45<span class=\"__14 _1093\"> </span>87<span class=\"__14 _1092\"> </span>61<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1079\"> </span><span class=\"ls14_11 ws3a_5\">2<span class=\"__14 _1072\"/>51</span>     Logi och fritid<span class=\"__14 _f3_6\"> </span>636<span class=\"__14 _1101\"> </span>47<span class=\"__14 _1072\"/>9<span class=\"__14 _1151\"> </span>604<span class=\"__14 _c3_6\"> </span>503<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1155\"> </span>2 222     <span class=\"__14 _1058\"/>T<span class=\"__14 _1c_10\"/>elekomtj\u00e4nster<span class=\"__14 _d4_7\"> </span>84<span class=\"__14 _a3_6\"> </span>26<span class=\"__14 _b5_7\"> </span>379<span class=\"__14 _b5_7\"> </span><span class=\"ls16_11 ws3c_5\">244<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _b5_7\"> </span>7<span class=\"__14 _1072\"/>33<span class=\"__14 _1ce\"> </span>Industri<span class=\"__14 _f4_6\"> </span>7 279<span class=\"__14 _b7_7\"> </span>7 044<span class=\"__14 _aa_6\"> </span>8 851<span class=\"__14 _aa_6\"> </span>8 661<span class=\"__14 _c3_6\"> </span>365<span class=\"__14 _1129\"> </span>32 200     R\u00e5v<span class=\"__14 _1058\"/>aror<span class=\"__14 _f5_6\"> </span>547<span class=\"__14 _b5_7\"> </span>416<span class=\"__14 _b5_7\"> </span>320<span class=\"__14 _1101\"> </span>549<span class=\"__14 _1093\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _b7_7\"> </span></span>1 904     Kapitalv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _cd_6\"> </span>622<span class=\"__14 _1111\"> </span>1 711<span class=\"__14 _1101\"> </span>206<span class=\"__14 _1156\"> </span>1 029<span class=\"__14 _8e_6\"> </span>113<span class=\"__14 _1156\"> </span>3 681     Producenttj\u00e4ns<span class=\"__14 _b_13\"/>ter<span class=\"__14 _e8_7\"> </span>1 956<span class=\"__14 _1101\"> </span>887<span class=\"__14 _9b_6\"> </span>1 67<span class=\"__14 _1072\"/>7<span class=\"__14 _9b_6\"> </span>1 525<span class=\"__14 _b5_7\"> </span>108<span class=\"__14 _1155\"> </span>6 153     Byggindustri<span class=\"__14 _e1_6\"> </span>1 443<span class=\"__14 _9b_6\"> </span>1 323<span class=\"__14 _b7_7\"> </span>4 339<span class=\"__14 _aa_6\"> </span>2 2<span class=\"__14 _1072\"/>36<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _b7_7\"> </span>9 342     Partihandel<span class=\"__14 _1060\"> </span>1 903<span class=\"__14 _1152\"> </span>1 276<span class=\"__14 _1101\"> </span>887<span class=\"__14 _b7_7\"> </span>2 005<span class=\"__14 _1093\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1106\"> </span></span>6 094     Marktransport<span class=\"__14 _e1_6\"> </span>416<span class=\"__14 _1151\"> </span>989<span class=\"__14 _b5_7\"> </span>7<span class=\"__14 _1072\"/>95<span class=\"__14 _1151\"> </span>694<span class=\"__14 _1093\"> </span>45<span class=\"__14 _b7_7\"> </span>2 939     IT<span class=\"__14 _b_13\"/>-tj\u00e4nster<span class=\"__14 _f6_6\"> </span>392<span class=\"__14 _1101\"> </span>442<span class=\"__14 _be_7\"> </span>627<span class=\"__14 _c3_6\"> </span>62<span class=\"__14 _1072\"/>3<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _b7_7\"> </span>2 087<span class=\"__14 _1ce\"> </span>Sj\u00f6fart<span class=\"__14 _f7_6\"> </span>366<span class=\"__14 _8e_6\"> </span>161<span class=\"__14 _aa_6\"> </span>5 597<span class=\"__14 _1079\"> </span>133<span class=\"__14 _1101\"> </span>443<span class=\"__14 _b0_6\"> </span>6 700     V<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>vsindustri<span class=\"__14 _d2_6\"> </span>0<span class=\"__14 _a3_6\"> </span>28<span class=\"__14 _be_7\"> </span><span class=\"ls16_11 ws3c_5\">224<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b5_7\"> </span><span class=\"ls1a_9 ws40_5\">252</span>     Sj\u00f6transport<span class=\"__14 _cd_6\"> </span>222<span class=\"__14 _a3_6\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _b7_7\"> </span></span>5 035<span class=\"__14 _4b_6\"> </span><span class=\"ls16_11 ws3c_5\">1<span class=\"__14 _1072\"/>24<span class=\"__14 _1101\"> </span></span>443<span class=\"__14 _aa_6\"> </span>5 867     Sj\u00f6fartstj\u00e4ns<span class=\"__14 _1058\"/>ter<span class=\"__14 _d8_7\"> </span><span class=\"ls14_11 ws3a_5\">144<span class=\"__14 _a2_6\"> </span></span>90<span class=\"__14 _c3_6\"> </span>338<span class=\"__14 _b8_6\"> </span>9<span class=\"__14 _1087\"> </span>0<span class=\"__14 _4b_6\"> </span>581<span class=\"__14 _1ce\"> </span>Samh\u00e4llsnyttiga tj\u00e4nster<span class=\"__14 _c5_7\"> </span>1 696<span class=\"__14 _b7_7\"> </span>3 285<span class=\"__14 _b0_6\"> </span>2 090<span class=\"__14 _b7_7\"> </span>2 002<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _aa_6\"> </span>9 07<span class=\"__14 _b_13\"/>4     El, vatten och gas<span class=\"__14 _f8_6\"> </span>1 239<span class=\"__14 _aa_6\"> </span>1 606<span class=\"__14 _b7_7\"> </span>1 084<span class=\"__14 _b5_7\"> </span>720<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _da_6\"> </span>4 649     Kraftproduk<span class=\"__14 _b_13\"/>tion<span class=\"__14 _d4_7\"> </span>66<span class=\"__14 _9b_6\"> </span>1 52<span class=\"__14 _1072\"/>5<span class=\"__14 _1151\"> </span>808<span class=\"__14 _c3_6\"> </span><span class=\"ls18_10 ws3e_5\">97<span class=\"__14 _1072\"/>3<span class=\"__14 _bb_7\"> </span></span>1<span class=\"__14 _1156\"> </span>3 373     Allm\u00e4nnyttiga f<span class=\"__14 _b_13\"/>\u00f6retag<span class=\"__14 _1110\"> </span>391<span class=\"__14 _be_7\"> </span>154<span class=\"__14 _be_7\"> </span>198<span class=\"__14 _1101\"> </span>309<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1155\"> </span>1 052<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _b_13\"/>astighetsbolag<span class=\"__14 _d8_7\"> </span>9 342<span class=\"__14 _1156\"> </span>7 7<span class=\"__14 _1072\"/>29<span class=\"__14 _da_6\"> </span>9 986<span class=\"__14 _1148\"> </span><span class=\"ls14_11 ws3a_5\">17 578<span class=\"__14 _1153\"> </span>151<span class=\"__14 _1104\"> </span></span>44 786     Kommersiella fas<span class=\"__14 _b_13\"/>tigheter<span class=\"__14 _f9_6\"> </span>5 984<span class=\"__14 _b7_7\"> </span>4 334<span class=\"__14 _da_6\"> </span>8 346<span class=\"__14 _1156\"> </span>7 667<span class=\"__14 _8e_6\"> </span><span class=\"ls14_11 ws3a_5\">1<span class=\"__14 _1072\"/>51<span class=\"__14 _1104\"> </span></span>26 482     Bostadsfas<span class=\"__14 _b_13\"/>tigheter<span class=\"__14 _b3_6\"> </span>3 358<span class=\"__14 _aa_6\"> </span>3 395<span class=\"__14 _aa_6\"> </span>1 640<span class=\"__14 _1152\"> </span>9 911<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1129\"> </span>18 304<span class=\"__14 _1ce\"> </span>\u00d6vriga branscher<span class=\"__14 _cf_6\"> </span>236<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1079\"> </span>127<span class=\"__14 _be_7\"> </span>37<span class=\"__14 _1072\"/>3<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _4b_6\"> </span>737<span class=\"__14 _1ce\"> </span>Summa f\u00f6retagsk<span class=\"__14 _b_13\"/>under<span class=\"__14 _fa_6\"> </span>31 057<span class=\"__14 _1129\"> </span>24 755<span class=\"__14 _1130\"> </span>34 985<span class=\"__14 _1130\"> </span>4<span class=\"__14 _1072\"/>2 687<span class=\"__14 _b0_6\"> </span>2 459<span class=\"__14 _a6_7\"> </span>135 941   Bol\u00e5n<span class=\"__14 _dd_7\"> </span>39 332<span class=\"__14 _1148\"> </span>33 317<span class=\"__14 _1129\"> </span>37 249<span class=\"__14 _1136\"> </span>52 418<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a5_7\"> </span>162 316   L\u00e5n mot s\u00e4kerhet<span class=\"__14 _fb_6\"> </span>8 181<span class=\"__14 _9b_6\"> </span>5 513<span class=\"__14 _b7_7\"> </span>2 6<span class=\"__14 _1072\"/>47<span class=\"__14 _1156\"> </span>2 292<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1136\"> </span>18 633   L\u00e5n utan s\u00e4kerhet<span class=\"__14 _de_6\"> </span>1 014<span class=\"__14 _b7_7\"> </span>2 92<span class=\"__14 _1072\"/>3<span class=\"__14 _1151\"> </span>408<span class=\"__14 _b7_7\"> </span>2 434<span class=\"__14 _1087\"> </span>0<span class=\"__14 _aa_6\"> </span>6 7<span class=\"__14 _1072\"/>79<span class=\"__14 _1ce\"> </span>Privatkunder<span class=\"__14 _c9_7\"> </span>48 527<span class=\"__14 _1136\"> </span>41 753<span class=\"__14 _a1_6\"> </span>40 304<span class=\"__14 _1136\"> </span><span class=\"ls14_11 ws3a_5\">57 144<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _1120\"> </span>187 7<span class=\"__14 _1072\"/>28<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Offen</span><span class=\"__14 _1058\"/>tlig sektor<span class=\"__14 _d4_7\"> </span>1 168<span class=\"__14 _1101\"> </span>780<span class=\"__14 _1092\"> </span>19<span class=\"__14 _b0_6\"> </span>2 602<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b0_6\"> </span>4 569<span class=\"__14 _1ce\"> </span>Omv\u00e4nda repor<span class=\"__14 _e3_6\"> </span>0<span class=\"__14 _1147\"> </span>16 812<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1147\"> </span>16 812<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till allm\u00e4nheten per land<span class=\"__14 _e4_6\"> </span>80 752<span class=\"__14 _fc_7\"> </span>84 100<span class=\"__14 _fc_7\"> </span>75 308<span class=\"__14 _1120\"> </span>102 4<span class=\"__14 _1072\"/>33<span class=\"__14 _b0_6\"> </span>2 459<span class=\"__14 _1121\"> </span>345 050    vara<span class=\"__14 _b_13\"/>v v\u00e4rderad till verkligt v\u00e4r<span class=\"__14 _1058\"/>de<span class=\"__14 _ac_6\"> </span>58 347<span class=\"__14 _1147\"> </span>16 812<span class=\"__14 _1092\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1147\"> </span><span class=\"ls14_11 ws3a_5\">7<span class=\"__14 _1072\"/>5 176<span class=\"__14 _1ce\"> </span></span>1)  L\u00e5n avseende Ryssland (94 mn eur<span class=\"__14 _1058\"/>o) och Baltikum (162 mn euro<span class=\"__14 _b_13\"/>) som bokf\u00f6rts i Sverige har flyttats till \u00d6vrigt<span class=\"__14 _1ce\"> </span>.<span class=\"__14 _1ce\"> </span>210<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts. Utl\u00e5ning v\u00e4rder<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ad till upplupet anskaff</span><span class=\"__14 _1058\"/>ningsv\u00e4rde, per br<span class=\"__14 _b_13\"/>ansch<span class=\"__14 _1ce\"> </span>Brutto<span class=\"__14 _fd_6\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>Kreditf\u00f6r-<span class=\"__14 _1ce\"> </span>luster<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">, netto1</span><span class=\"__14 _fe_6\"/>31 dec 2022, mn euro<span class=\"__14 _ff_6\"> </span>Kategori 1<span class=\"__14 _1157\"> </span>Kategori 2<span class=\"__14 _1157\"> </span>Kategori 3<span class=\"__14 _5b_6\"> </span>Kategori 1<span class=\"__14 _1157\"> </span>Kategori 2<span class=\"__14 _1157\"> </span>Kategori 3<span class=\"__14 _5f_6\"> </span>Netto<span class=\"__14 _1ce\"> </span>Finansinstitut<span class=\"__14 _1158\"> </span>14 197<span class=\"__14 _1148\"> </span>322<span class=\"__14 _1156\"> </span>62<span class=\"__14 _e2_6\"> </span>8<span class=\"__14 _1152\"> </span>10<span class=\"__14 _1155\"> </span>29<span class=\"__14 _1119\"> </span>14 534<span class=\"__14 _1148\"> </span>-49<span class=\"__14 _1ce\"> </span>Jordbruk<span class=\"__14 _1159\"> </span>4 343<span class=\"__14 _1148\"> </span>232<span class=\"__14 _8d_6\"> </span>107<span class=\"__14 _1151\"> </span>7<span class=\"__14 _1109\"> </span>15<span class=\"__14 _1155\"> </span>56<span class=\"__14 _1154\"> </span>4 604<span class=\"__14 _a4_6\"> </span>-3     Gr\u00f6dor<span class=\"__14 _b_13\"/>, odling och jakt<span class=\"__14 _1160\"> </span>949<span class=\"__14 _9b_6\"> </span>75<span class=\"__14 _1155\"> </span>20<span class=\"__14 _1151\"> </span>3<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _e2_6\"> </span>8<span class=\"__14 _1118\"> </span>1 029<span class=\"__14 _1151\"> </span>5     Djurh\u00e5llning<span class=\"__14 _1161\"> </span>619<span class=\"__14 _1106\"> </span><span class=\"ls14_11 ws3a_5\">117<span class=\"__14 _1156\"> </span></span>86<span class=\"__14 _1101\"> </span>2<span class=\"__14 _9b_6\"> </span>10<span class=\"__14 _aa_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _1148\"> </span><span class=\"ls14_11 ws3a_5\">762<span class=\"__14 _1102\"> </span></span></span>-6     Fiske och vatt<span class=\"__14 _1058\"/>enbruk<span class=\"__14 _1162\"> </span>2 775<span class=\"__14 _1156\"> </span>40<span class=\"__14 _1101\"> </span>1<span class=\"__14 _1151\"> </span>2<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _5f_6\"> </span>2 813<span class=\"__14 _a4_6\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1ce\"> </span></span>Naturresurser<span class=\"__14 _1163\"> </span>2 765<span class=\"__14 _1148\"> </span>216<span class=\"__14 _1155\"> </span>39<span class=\"__14 _1151\"> </span>2<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _1152\"> </span>18<span class=\"__14 _1121\"> </span>2 996<span class=\"__14 _1156\"> </span>26     Pappers- och skogsproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1164\"> </span>1 87<span class=\"__14 _b_13\"/>4<span class=\"__14 _9c_7\"> </span>161<span class=\"__14 _1152\"> </span>22<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1151\"> </span>3<span class=\"__14 _1152\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1121\"> </span></span>2 039<span class=\"__14 _1151\"> </span>2     Gruvdrift och kringverksamhet<span class=\"__14 _1165\"> </span>382<span class=\"__14 _1156\"> </span>30<span class=\"__14 _1151\"> </span>3<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1101\"> </span>1<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _8d_6\"> </span>413<span class=\"__14 _1111\"> </span><span class=\"ls14_11 ws3a_5\">-1</span><span class=\"__14 _1ce\">     Olje-, gas- och offshore-verksamhet</span><span class=\"__14 _1093\"> </span>509<span class=\"__14 _9b_6\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1109\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _c3_6\"> </span></span></span>1<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1151\"> </span>3<span class=\"__14 _1136\"> </span>544<span class=\"__14 _9b_6\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1ce\"> </span></span>Konsument dagligv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _e5_6\"> </span>4 882<span class=\"__14 _1148\"> </span>201<span class=\"__14 _9b_6\"> </span>87<span class=\"__14 _1132\"> </span>8<span class=\"__14 _e2_6\"> </span>8<span class=\"__14 _9b_6\"> </span>35<span class=\"__14 _7b_6\"> </span>5 119<span class=\"__14 _9c_7\"> </span><span class=\"ls16_11 ws3c_5\">-26</span>     Livsmedel och drycker<span class=\"__14 _1166\"> </span>1 685<span class=\"__14 _9c_7\"> </span><span class=\"ls14_11 ws3a_5\">114<span class=\"__14 _9b_6\"> </span><span class=\"ls1a_9 ws40_5\">52<span class=\"__14 _1101\"> </span></span></span>2<span class=\"__14 _e2_6\"> </span>3<span class=\"__14 _1102\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _5f_6\"> </span></span>1 829<span class=\"__14 _da_6\"> </span><span class=\"ls14_11 ws3a_5\">-13</span>     Hush\u00e5lls- och hygienproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1165\"> </span>592<span class=\"__14 _1155\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1152\"> </span></span>10<span class=\"__14 _1151\"> </span>2<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1151\"> </span>5<span class=\"__14 _1148\"> </span>619<span class=\"__14 _9a_6\"> </span><span class=\"ls14_11 ws3a_5\">-1</span>     H\u00e4lsov\u00e5rd<span class=\"__14 _1107\"> </span>2 605<span class=\"__14 _1155\"> </span>62<span class=\"__14 _9b_6\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1132\"> </span></span>4<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _1102\"> </span>13<span class=\"__14 _1120\"> </span>2 671<span class=\"__14 _da_6\"> </span><span class=\"ls14_11 ws3a_5\">-12<span class=\"__14 _1ce\"> </span></span>Konsument s\u00e4llank<span class=\"__14 _b_13\"/>\u00f6p och tj\u00e4nster<span class=\"__14 _1142\"> </span>10 589<span class=\"__14 _1148\"> </span>913<span class=\"__14 _1147\"> </span>287<span class=\"__14 _1152\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1156\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _8d_6\"> </span></span></span>187<span class=\"__14 _1119\"> </span>11 540<span class=\"__14 _da_6\"> </span>-31     Konsumentk<span class=\"__14 _1058\"/>apitalvar<span class=\"__14 _b_13\"/>or<span class=\"__14 _10a_6\"> </span>2 382<span class=\"__14 _1148\"> </span>192<span class=\"__14 _1156\"> </span>44<span class=\"__14 _1101\"> </span>2<span class=\"__14 _1132\"> </span>6<span class=\"__14 _9b_6\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1121\"> </span></span>2 586<span class=\"__14 _da_6\"> </span><span class=\"ls14_11 ws3a_5\">-12</span>     Media och underh\u00e5llning<span class=\"__14 _10b_6\"> </span>1 763<span class=\"__14 _8d_6\"> </span>135<span class=\"__14 _1156\"> </span>20<span class=\"__14 _1151\"> </span>2<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _1111\"> </span>11<span class=\"__14 _1121\"> </span>1 899<span class=\"__14 _a4_6\"> </span><span class=\"ls16_11 ws3c_5\">-2</span>     Detaljhandel<span class=\"__14 _10c_6\"> </span>4 156<span class=\"__14 _1148\"> </span>272<span class=\"__14 _1148\"> </span>180<span class=\"__14 _1132\"> </span>8<span class=\"__14 _1155\"> </span>20<span class=\"__14 _8d_6\"> </span>118<span class=\"__14 _1121\"> </span>4 462<span class=\"__14 _1106\"> </span><span class=\"ls14_11 ws3a_5\">-18</span>     Flygre<span class=\"__14 _1058\"/>sor<span class=\"__14 _d7_6\"> </span>96<span class=\"__14 _9b_6\"> </span>35<span class=\"__14 _1102\"> </span>12<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1101\"> </span>2<span class=\"__14 _1132\"> </span>8<span class=\"__14 _8d_6\"> </span>133<span class=\"__14 _1109\"> </span>-6     Logi och fritid<span class=\"__14 _3c_8\"> </span>1 4<span class=\"__14 _1072\"/>21<span class=\"__14 _1147\"> </span>263<span class=\"__14 _1155\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1101\"> </span></span>2<span class=\"__14 _9b_6\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _9b_6\"> </span></span>20<span class=\"__14 _5f_6\"> </span>1 673<span class=\"__14 _e2_6\"> </span>4     <span class=\"__14 _1058\"/>T<span class=\"__14 _1c_10\"/>elekomtj\u00e4nster<span class=\"__14 _bd_7\"> </span>771<span class=\"__14 _1109\"> </span>16<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _1132\"> </span>0<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1132\"> </span>6<span class=\"__14 _1148\"> </span>787<span class=\"__14 _1151\"> </span>3<span class=\"__14 _1ce\"> </span>Industri<span class=\"__14 _10d_6\"> </span>31 090<span class=\"__14 _8c_6\"> </span>2 900<span class=\"__14 _1136\"> </span>54<span class=\"__14 _1072\"/>2<span class=\"__14 _9b_6\"> </span>53<span class=\"__14 _1147\"> </span>100<span class=\"__14 _1147\"> </span>293<span class=\"__14 _8b_6\"> </span>34 086<span class=\"__14 _1106\"> </span>-52     R\u00e5v<span class=\"__14 _1058\"/>aror<span class=\"__14 _c5_7\"> </span>2 406<span class=\"__14 _1147\"> </span>166<span class=\"__14 _1155\"> </span>39<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _1109\"> </span>13<span class=\"__14 _1121\"> </span>2 590<span class=\"__14 _1151\"> </span>7     Kapitalv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _10e_6\"> </span>3 370<span class=\"__14 _1136\"> </span>436<span class=\"__14 _1102\"> </span>71<span class=\"__14 _1151\"> </span>5<span class=\"__14 _a4_6\"> </span>11<span class=\"__14 _1155\"> </span>39<span class=\"__14 _1118\"> </span>3 822<span class=\"__14 _a4_6\"> </span>11     Producenttj\u00e4ns<span class=\"__14 _b_13\"/>ter<span class=\"__14 _10f_6\"> </span>5 950<span class=\"__14 _1136\"> </span>434<span class=\"__14 _1156\"> </span>44<span class=\"__14 _9b_6\"> </span>10<span class=\"__14 _1102\"> </span>15<span class=\"__14 _1155\"> </span>20<span class=\"__14 _8c_6\"> </span>6 383<span class=\"__14 _1101\"> </span>2     Byggindustri<span class=\"__14 _10c_6\"> </span><span class=\"ls14_11 ws3a_5\">8 142<span class=\"__14 _1147\"> </span></span>825<span class=\"__14 _1148\"> </span>164<span class=\"__14 _1109\"> </span>15<span class=\"__14 _1155\"> </span>34<span class=\"__14 _1147\"> </span>106<span class=\"__14 _1121\"> </span><span class=\"ls14_11 ws3a_5\">8 976<span class=\"__14 _1106\"> </span></span>-37     Partihandel<span class=\"__14 _f9_6\"> </span>6 801<span class=\"__14 _1136\"> </span>696<span class=\"__14 _aa_6\"> </span><span class=\"ls21_7 ws47_3\">64<span class=\"__14 _1132\"> </span></span>8<span class=\"__14 _9b_6\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1156\"> </span></span>40<span class=\"__14 _8c_6\"> </span>7 4<span class=\"__14 _1072\"/>89<span class=\"__14 _1102\"> </span>-9     Marktransport<span class=\"__14 _2d_8\"> </span>2 535<span class=\"__14 _1147\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1072\"/>3<span class=\"__14 _1156\"> </span></span>94<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _9b_6\"> </span>55<span class=\"__14 _8c_6\"> </span>2 805<span class=\"__14 _b0_6\"> </span><span class=\"ls14_11 ws3a_5\">-17</span>     IT<span class=\"__14 _b_13\"/>-tj\u00e4nster<span class=\"__14 _1107\"> </span>1 886<span class=\"__14 _1147\"> </span>100<span class=\"__14 _1156\"> </span>66<span class=\"__14 _e2_6\"> </span>5<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _1155\"> </span>20<span class=\"__14 _5f_6\"> </span>2 021<span class=\"__14 _1102\"> </span>-9<span class=\"__14 _1ce\"> </span>Sj\u00f6fart<span class=\"__14 _1167\"> </span>5 521<span class=\"__14 _1136\"> </span>360<span class=\"__14 _1156\"> </span>66<span class=\"__14 _1152\"> </span>19<span class=\"__14 _e2_6\"> </span>5<span class=\"__14 _1102\"> </span>31<span class=\"__14 _1121\"> </span>5 892<span class=\"__14 _1155\"> </span><span class=\"ls1b_8 ws41_5\">23</span>     V<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>vsindustri<span class=\"__14 _1163\"> </span>119<span class=\"__14 _1132\"> </span>6<span class=\"__14 _1151\"> </span>3<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1151\"> </span>3<span class=\"__14 _8d_6\"> </span><span class=\"ls16_11 ws3c_5\">1<span class=\"__14 _1072\"/>24<span class=\"__14 _c3_6\"> </span></span>1     Sj\u00f6transport<span class=\"__14 _1168\"> </span>5 116<span class=\"__14 _1147\"> </span>353<span class=\"__14 _1155\"> </span>63<span class=\"__14 _1102\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1151\"> </span></span>5<span class=\"__14 _1155\"> </span>28<span class=\"__14 _1121\"> </span>5 482<span class=\"__14 _9b_6\"> </span>22     Sj\u00f6fartstj\u00e4ns<span class=\"__14 _1058\"/>ter<span class=\"__14 _1169\"> </span>286<span class=\"__14 _1101\"> </span>1<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1132\"> </span>0<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1136\"> </span>286<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1ce\"> </span>Samh\u00e4llsnyttiga tj\u00e4nster<span class=\"__14 _ad_6\"> </span>6 896<span class=\"__14 _1106\"> </span><span class=\"ls14_11 ws3a_5\">117<span class=\"__14 _1109\"> </span></span>16<span class=\"__14 _1151\"> </span>5<span class=\"__14 _1132\"> </span>4<span class=\"__14 _1101\"> </span>7<span class=\"__14 _5f_6\"> </span>7 013<span class=\"__14 _1132\"> </span>8     El, vatten och gas<span class=\"__14 _1170\"> </span>3 413<span class=\"__14 _1155\"> </span>78<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _1151\"> </span>2<span class=\"__14 _1101\"> </span>2<span class=\"__14 _e2_6\"> </span>3<span class=\"__14 _8c_6\"> </span>3 490<span class=\"__14 _1132\"> </span>8     Kraftproduk<span class=\"__14 _b_13\"/>tion<span class=\"__14 _1171\"> </span>2 962<span class=\"__14 _a4_6\"> </span>11<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1151\"> </span>2<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1120\"> </span>2 971<span class=\"__14 _a4_6\"> </span><span class=\"ls16_11 ws3c_5\">-2</span>     Allm\u00e4nnyttiga f<span class=\"__14 _b_13\"/>\u00f6retag<span class=\"__14 _e4_6\"> </span>521<span class=\"__14 _1156\"> </span>28<span class=\"__14 _e2_6\"> </span>9<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1101\"> </span>2<span class=\"__14 _e2_6\"> </span>3<span class=\"__14 _1147\"> </span>55<span class=\"__14 _1072\"/>2<span class=\"__14 _1151\"> </span>2<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _b_13\"/>astighetsbolag<span class=\"__14 _2d_8\"> </span>36 325<span class=\"__14 _8d_6\"> </span><span class=\"ls1f_7 ws45_4\">745<span class=\"__14 _9c_7\"> </span><span class=\"ls14_11 ws3a_5\">145<span class=\"__14 _9b_6\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1152\"> </span></span></span></span>18<span class=\"__14 _1156\"> </span>85<span class=\"__14 _5a_6\"> </span>37 089<span class=\"__14 _9b_6\"> </span>32<span class=\"__14 _1ce\"> </span>\u00d6vriga branscher<span class=\"__14 _10c_6\"> </span>169<span class=\"__14 _1106\"> </span><span class=\"ls14_11 ws3a_5\">1<span class=\"__14 _1072\"/>17<span class=\"__14 _1101\"> </span></span>7<span class=\"__14 _1132\"> </span>4<span class=\"__14 _1155\"> </span>20<span class=\"__14 _1151\"> </span>2<span class=\"__14 _1148\"> </span>267<span class=\"__14 _1102\"> </span>-3<span class=\"__14 _1ce\"> </span>Summa f\u00f6retagsk<span class=\"__14 _b_13\"/>under<span class=\"__14 _1172\"> </span>116 777<span class=\"__14 _1118\"> </span>6 12<span class=\"__14 _1072\"/>3<span class=\"__14 _1118\"> </span>1 358<span class=\"__14 _1147\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>3<span class=\"__14 _1147\"> </span></span>2<span class=\"__14 _1072\"/>32<span class=\"__14 _1147\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _1066\"/>3<span class=\"__14 _1135\"> </span></span>12<span class=\"__14 _1072\"/>3 140<span class=\"__14 _9c_7\"> </span><span class=\"ls22_6 ws48_3\">-7<span class=\"__14 _1072\"/>5</span>   Bol\u00e5n<span class=\"__14 _c1_6\"> </span>116 404<span class=\"__14 _8c_6\"> </span><span class=\"ls16_11 ws3c_5\">4 24<span class=\"__14 _1072\"/>8<span class=\"__14 _1147\"> </span></span>435<span class=\"__14 _1109\"> </span>15<span class=\"__14 _1155\"> </span>45<span class=\"__14 _1156\"> </span>86<span class=\"__14 _1135\"> </span>120 941<span class=\"__14 _8d_6\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1072\"/>9</span>   L\u00e5n mot s\u00e4kerhet<span class=\"__14 _1173\"> </span>18 488<span class=\"__14 _5f_6\"> </span>1 543<span class=\"__14 _1136\"> </span>264<span class=\"__14 _1155\"> </span>38<span class=\"__14 _1156\"> </span>50<span class=\"__14 _1106\"> </span>115<span class=\"__14 _3f_8\"> </span>20 092<span class=\"__14 _1156\"> </span>46   L\u00e5n utan s\u00e4kerhet<span class=\"__14 _1174\"> </span>4 910<span class=\"__14 _1147\"> </span>795<span class=\"__14 _1148\"> </span><span class=\"ls14_11 ws3a_5\">146<span class=\"__14 _1152\"> </span></span>19<span class=\"__14 _1152\"> </span>81<span class=\"__14 _1152\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _1120\"> </span></span>5 677<span class=\"__14 _9c_7\"> </span>-62<span class=\"__14 _1ce\"> </span>Privatkunder<span class=\"__14 _1175\"> </span>139 802<span class=\"__14 _1154\"> </span>6 586<span class=\"__14 _1129\"> </span>845<span class=\"__14 _9b_6\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _1148\"> </span><span class=\"ls14_11 ws3a_5\">176<span class=\"__14 _1148\"> </span></span></span>275<span class=\"__14 _1127\"> </span>146 710<span class=\"__14 _1148\"> </span>-<span class=\"__14 _1072\"/>45<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Offen</span><span class=\"__14 _1058\"/>tlig sektor<span class=\"__14 _1ce\"> </span>5 161<span class=\"__14 _aa_6\"> </span>69<span class=\"__14 _1155\"> </span>39<span class=\"__14 _1101\"> </span>1<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1151\"> </span>2<span class=\"__14 _1121\"> </span>5 266<span class=\"__14 _1132\"> </span>8<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till allm\u00e4nheten <span class=\"__14 _1085\"> </span>261 7<span class=\"__14 _b_13\"/>40<span class=\"__14 _1098\"> </span>12 778<span class=\"__14 _1118\"> </span><span class=\"ls16_11 ws3c_5\">2 242<span class=\"__14 _8d_6\"> </span></span>216<span class=\"__14 _fc_7\"> </span>408<span class=\"__14 _1118\"> </span>1 020<span class=\"__14 _1135\"> </span>275 116<span class=\"__14 _1104\"> </span>-112<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till kreditinstitut och centralbank<span class=\"__14 _b_13\"/>er<span class=\"__14 _f9_6\"> </span>2 845<span class=\"__14 _1132\"> </span>8<span class=\"__14 _1152\"> </span>13<span class=\"__14 _1132\"> </span>4<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1155\"> </span><span class=\"ls21_7 ws47_3\">25<span class=\"__14 _1118\"> </span></span>2 837<span class=\"__14 _7e_6\"> </span>0<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _d5_6\"> </span>26<span class=\"__14 _1072\"/>4 585<span class=\"__14 _3b_8\"> </span>12 786<span class=\"__14 _1118\"> </span>2 255<span class=\"__14 _1136\"> </span>220<span class=\"__14 _1104\"> </span>408<span class=\"__14 _1121\"> </span>1 045<span class=\"__14 _1127\"> </span>277 953<span class=\"__14 _fc_7\"> </span>-112<span class=\"__14 _1ce\"> </span>1) T<span class=\"__14 _1c_10\"/>abellen visar kreditf\u00f6rluster p\u00e5 e<span class=\"__14 _b_13\"/>xponeringar i och utanf\u00f6r balansr\u00e4kningen f\u00f6r hel\u00e5r<span class=\"__14 _1058\"/>et 2022<span class=\"__14 _1ce\"> </span>.<span class=\"__14 _1ce\"> </span>211<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>Utl\u00e5ning v\u00e4rder<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ad till upplupet anskaff</span><span class=\"__14 _1058\"/>ningsv\u00e4rde, per br<span class=\"__14 _b_13\"/>ansch<span class=\"__14 _1ce\"> </span>Brutto<span class=\"__14 _fd_6\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>Kreditf\u00f6r-<span class=\"__14 _1ce\"> </span>luster<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">, netto1</span><span class=\"__14 _fe_6\"/>31 dec 2021, mn euro<span class=\"__14 _1176\"> </span>Kategori 1<span class=\"__14 _1157\"> </span>Kategori 2<span class=\"__14 _1157\"> </span>Kategori 3<span class=\"__14 _5b_6\"> </span>Kategori 1<span class=\"__14 _1157\"> </span>Kategori 2<span class=\"__14 _1157\"> </span>Kategori 3<span class=\"__14 _5f_6\"> </span>Netto<span class=\"__14 _1ce\"> </span>Finansinstitut<span class=\"__14 _f9_6\"> </span>12 972<span class=\"__14 _1148\"> </span>186<span class=\"__14 _1156\"> </span>59<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _e2_6\"> </span>8<span class=\"__14 _1155\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _8f_6\"> </span></span>13 179<span class=\"__14 _1155\"> </span>29<span class=\"__14 _1ce\"> </span>Jordbruk<span class=\"__14 _4f_6\"> </span>4 124<span class=\"__14 _1136\"> </span>204<span class=\"__14 _1148\"> </span>136<span class=\"__14 _1151\"> </span>5<span class=\"__14 _1102\"> </span>12<span class=\"__14 _1155\"> </span>82<span class=\"__14 _1121\"> </span>4 365<span class=\"__14 _9b_6\"> </span>16     Gr\u00f6dor<span class=\"__14 _b_13\"/>, odling och jakt<span class=\"__14 _e5_6\"> </span><span class=\"ls18_10 ws3e_5\">970<span class=\"__14 _9b_6\"> </span><span class=\"ls1d_8 ws43_5\">79<span class=\"__14 _1155\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1151\"> </span></span></span></span>2<span class=\"__14 _1151\"> </span>5<span class=\"__14 _1102\"> </span>15<span class=\"__14 _5f_6\"> </span>1 052<span class=\"__14 _1151\"> </span>2     Djurh\u00e5llning<span class=\"__14 _11a_7\"> </span>670<span class=\"__14 _8d_6\"> </span>101<span class=\"__14 _1148\"> </span>109<span class=\"__14 _1101\"> </span>1<span class=\"__14 _1101\"> </span>7<span class=\"__14 _aa_6\"> </span>66<span class=\"__14 _1129\"> </span>806<span class=\"__14 _e2_6\"> </span>8     Fiske och vatt<span class=\"__14 _1058\"/>enbruk<span class=\"__14 _1160\"> </span>2 484<span class=\"__14 _1155\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1101\"> </span></span>2<span class=\"__14 _1151\"> </span>2<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1101\"> </span>1<span class=\"__14 _1118\"> </span>2 507<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _1ce\"> </span>Naturresurser<span class=\"__14 _d9_6\"> </span>2 606<span class=\"__14 _1147\"> </span>184<span class=\"__14 _1148\"> </span><span class=\"ls14_11 ws3a_5\">575<span class=\"__14 _1151\"> </span></span>4<span class=\"__14 _1132\"> </span>4<span class=\"__14 _1147\"> </span>345<span class=\"__14 _5f_6\"> </span>3 012<span class=\"__14 _da_6\"> </span><span class=\"ls14_11 ws3a_5\">-15</span>     Pappers- och skogsproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1165\"> </span><span class=\"ls1b_8 ws41_5\">1 777<span class=\"__14 _8d_6\"> </span></span>155<span class=\"__14 _1155\"> </span>32<span class=\"__14 _1101\"> </span>2<span class=\"__14 _1132\"> </span>4<span class=\"__14 _1152\"> </span>16<span class=\"__14 _1118\"> </span>1 94<span class=\"__14 _1072\"/>2<span class=\"__14 _1132\"> </span>8     Gruvdrift och kringverksamhet<span class=\"__14 _1165\"> </span>329<span class=\"__14 _1155\"> </span>26<span class=\"__14 _1151\"> </span>3<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1132\"> </span>0<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1147\"> </span>356<span class=\"__14 _1151\"> </span>2<span class=\"__14 _1ce\">     Olje-, gas- och offshore-verksamhet</span><span class=\"__14 _1093\"> </span>500<span class=\"__14 _1151\"> </span>3<span class=\"__14 _1136\"> </span>540<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1147\"> </span>328<span class=\"__14 _8d_6\"> </span><span class=\"ls14_11 ws3a_5\">714<span class=\"__14 _1106\"> </span><span class=\"ls16_11 ws3c_5\">-25<span class=\"__14 _1ce\"> </span></span></span>Konsument dagligv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _ac_6\"> </span>4 239<span class=\"__14 _8d_6\"> </span><span class=\"ls14_11 ws3a_5\">142<span class=\"__14 _1102\"> </span>17<span class=\"__14 _e2_6\"> </span></span>4<span class=\"__14 _1111\"> </span>11<span class=\"__14 _1152\"> </span>10<span class=\"__14 _1121\"> </span>4 37<span class=\"__14 _1072\"/>3<span class=\"__14 _1109\"> </span>13     Livsmedel och drycker<span class=\"__14 _11b_7\"> </span>1 131<span class=\"__14 _9b_6\"> </span><span class=\"ls14_11 ws3a_5\">76<span class=\"__14 _1151\"> </span></span>5<span class=\"__14 _1151\"> </span>2<span class=\"__14 _1151\"> </span>3<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _5f_6\"> </span>1 203<span class=\"__14 _e2_6\"> </span>4     Hush\u00e5lls- och hygienproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _11c_7\"> </span>701<span class=\"__14 _1152\"> </span>18<span class=\"__14 _1152\"> </span>10<span class=\"__14 _1101\"> </span>1<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _1148\"> </span><span class=\"ls1b_8 ws41_5\">723<span class=\"__14 _c3_6\"> </span></span>1     H\u00e4lsov\u00e5rd<span class=\"__14 _11d_7\"> </span>2 407<span class=\"__14 _aa_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _1151\"> </span></span>2<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1101\"> </span>7<span class=\"__14 _1151\"> </span>2<span class=\"__14 _1121\"> </span>2 447<span class=\"__14 _e2_6\"> </span>8<span class=\"__14 _1ce\"> </span>Konsument s\u00e4llank<span class=\"__14 _b_13\"/>\u00f6p och tj\u00e4nster<span class=\"__14 _1139\"> </span>9 376<span class=\"__14 _5f_6\"> </span>1 075<span class=\"__14 _1147\"> </span>263<span class=\"__14 _a4_6\"> </span>11<span class=\"__14 _9b_6\"> </span>55<span class=\"__14 _1148\"> </span>166<span class=\"__14 _4e_6\"> </span>10 482<span class=\"__14 _1106\"> </span>-81     Konsumentk<span class=\"__14 _1058\"/>apitalvar<span class=\"__14 _b_13\"/>or<span class=\"__14 _11e_7\"> </span>2 166<span class=\"__14 _1148\"> </span>126<span class=\"__14 _1155\"> </span>30<span class=\"__14 _1151\"> </span>2<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _1102\"> </span>13<span class=\"__14 _5f_6\"> </span>2 301<span class=\"__14 _1132\"> </span>6     Media och underh\u00e5llning<span class=\"__14 _11f_7\"> </span>1 394<span class=\"__14 _9c_7\"> </span>127<span class=\"__14 _9b_6\"> </span>18<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _e2_6\"> </span>8<span class=\"__14 _1152\"> </span>10<span class=\"__14 _5f_6\"> </span>1 520<span class=\"__14 _1132\"> </span>6     Detaljhandel<span class=\"__14 _1177\"> </span>3 796<span class=\"__14 _1147\"> </span>256<span class=\"__14 _8d_6\"> </span><span class=\"ls14_11 ws3a_5\">178<span class=\"__14 _1151\"> </span></span>5<span class=\"__14 _1102\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _9c_7\"> </span></span>118<span class=\"__14 _1154\"> </span>4 090<span class=\"__14 _1106\"> </span><span class=\"ls1f_7 ws45_4\">-<span class=\"__14 _1072\"/>74</span>     Flygre<span class=\"__14 _1058\"/>sor<span class=\"__14 _ed_6\"> </span>131<span class=\"__14 _1155\"> </span>62<span class=\"__14 _e2_6\"> </span>5<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1101\"> </span>2<span class=\"__14 _e2_6\"> </span>2<span class=\"__14 _8d_6\"> </span>193<span class=\"__14 _1132\"> </span>6     Logi och fritid<span class=\"__14 _1169\"> </span><span class=\"ls16_11 ws3c_5\">1 24<span class=\"__14 _1072\"/>2<span class=\"__14 _1136\"> </span></span>499<span class=\"__14 _9b_6\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1151\"> </span></span>2<span class=\"__14 _1152\"> </span>22<span class=\"__14 _1152\"> </span>16<span class=\"__14 _5f_6\"> </span>1 7<span class=\"__14 _1072\"/>26<span class=\"__14 _1106\"> </span><span class=\"ls16_11 ws3c_5\">-25</span>     <span class=\"__14 _1058\"/>T<span class=\"__14 _1c_10\"/>elekomtj\u00e4nster<span class=\"__14 _1178\"> </span>647<span class=\"__14 _1151\"> </span>5<span class=\"__14 _1101\"> </span>7<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1101\"> </span>7<span class=\"__14 _1136\"> </span>65<span class=\"__14 _1072\"/>2<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1ce\"> </span>Industri<span class=\"__14 _10d_6\"> </span>27 346<span class=\"__14 _1118\"> </span>2 333<span class=\"__14 _1147\"> </span>682<span class=\"__14 _9b_6\"> </span>41<span class=\"__14 _1155\"> </span>95<span class=\"__14 _1147\"> </span><span class=\"ls16_11 ws3c_5\">3<span class=\"__14 _1072\"/>24<span class=\"__14 _3b_8\"> </span></span>29 901<span class=\"__14 _9b_6\"> </span>32     R\u00e5v<span class=\"__14 _1058\"/>aror<span class=\"__14 _1179\"> </span>1 722<span class=\"__14 _8d_6\"> </span>156<span class=\"__14 _1156\"> </span>59<span class=\"__14 _1151\"> </span>3<span class=\"__14 _1151\"> </span>5<span class=\"__14 _1156\"> </span>30<span class=\"__14 _1118\"> </span>1 899<span class=\"__14 _1155\"> </span>35     Kapitalv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _10e_6\"> </span><span class=\"ls14_11 ws3a_5\">3 14<span class=\"__14 _1072\"/>8<span class=\"__14 _8d_6\"> </span></span>415<span class=\"__14 _1148\"> </span><span class=\"ls16_11 ws3c_5\">1<span class=\"__14 _1072\"/>24<span class=\"__14 _1151\"> </span></span>3<span class=\"__14 _1109\"> </span>16<span class=\"__14 _1156\"> </span>58<span class=\"__14 _1118\"> </span>3 610<span class=\"__14 _1111\"> </span><span class=\"ls23_6 ws49_3\">-7</span>     Producenttj\u00e4ns<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1180\"> </span>4 779<span class=\"__14 _1148\"> </span>353<span class=\"__14 _aa_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _1151\"> </span></span>7<span class=\"__14 _1102\"> </span>15<span class=\"__14 _1152\"> </span>27<span class=\"__14 _a6_7\"> </span>5 131<span class=\"__14 _1152\"> </span>18     Byggindustri<span class=\"__14 _10c_6\"> </span>7 837<span class=\"__14 _1136\"> </span>685<span class=\"__14 _1136\"> </span>200<span class=\"__14 _1152\"> </span>13<span class=\"__14 _1155\"> </span>30<span class=\"__14 _9c_7\"> </span>101<span class=\"__14 _1121\"> </span>8 578<span class=\"__14 _1106\"> </span><span class=\"ls14_11 ws3a_5\">-19</span>     Partihandel<span class=\"__14 _1158\"> </span>5 452<span class=\"__14 _1136\"> </span>434<span class=\"__14 _1152\"> </span><span class=\"ls1b_8 ws41_5\">77<span class=\"__14 _1151\"> </span></span>7<span class=\"__14 _a4_6\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1156\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _8c_6\"> </span></span></span>5 896<span class=\"__14 _1155\"> </span>29     Marktransport<span class=\"__14 _1181\"> </span>2 596<span class=\"__14 _1148\"> </span>218<span class=\"__14 _1148\"> </span>106<span class=\"__14 _1132\"> </span>4<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _aa_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _1121\"> </span></span>2 862<span class=\"__14 _da_6\"> </span><span class=\"ls14_11 ws3a_5\">-15</span>     IT<span class=\"__14 _b_13\"/>-tj\u00e4nster<span class=\"__14 _1150\"> </span>1 812<span class=\"__14 _1152\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _aa_6\"> </span></span>68<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _1132\"> </span>6<span class=\"__14 _a4_6\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _5f_6\"> </span></span>1 925<span class=\"__14 _1102\"> </span>-9<span class=\"__14 _1ce\"> </span>Sj\u00f6fart<span class=\"__14 _1167\"> </span>5 75<span class=\"__14 _1058\"/>7<span class=\"__14 _1104\"> </span>4<span class=\"__14 _1072\"/>80<span class=\"__14 _1136\"> </span>505<span class=\"__14 _1101\"> </span>7<span class=\"__14 _1151\"> </span>7<span class=\"__14 _8d_6\"> </span>152<span class=\"__14 _1118\"> </span><span class=\"ls14_11 ws3a_5\">6 576<span class=\"__14 _da_6\"> </span>-1<span class=\"__14 _1072\"/>2</span>     V<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>vsindustri<span class=\"__14 _1182\"> </span><span class=\"ls16_11 ws3c_5\">248<span class=\"__14 _1151\"> </span></span>6<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1101\"> </span>2<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1148\"> </span><span class=\"ls1a_9 ws40_5\">252<span class=\"__14 _1132\"> </span></span>4     Sj\u00f6transport<span class=\"__14 _1183\"> </span>5 043<span class=\"__14 _1147\"> </span>47<span class=\"__14 _1072\"/>2<span class=\"__14 _1136\"> </span>505<span class=\"__14 _1151\"> </span>5<span class=\"__14 _1101\"> </span>7<span class=\"__14 _1106\"> </span><span class=\"ls14_11 ws3a_5\">151<span class=\"__14 _1118\"> </span></span>5 857<span class=\"__14 _da_6\"> </span><span class=\"ls14_11 ws3a_5\">-17</span>     Sj\u00f6fartstj\u00e4ns<span class=\"__14 _1058\"/>ter<span class=\"__14 _ea_7\"> </span>466<span class=\"__14 _1151\"> </span>2<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1132\"> </span>0<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1147\"> </span>467<span class=\"__14 _1101\"> </span>1<span class=\"__14 _1ce\"> </span>Samh\u00e4llsnyttiga tj\u00e4nster<span class=\"__14 _11b_7\"> </span>7 546<span class=\"__14 _8d_6\"> </span>154<span class=\"__14 _1156\"> </span>45<span class=\"__14 _1132\"> </span>4<span class=\"__14 _1101\"> </span>7<span class=\"__14 _1155\"> </span>29<span class=\"__14 _1118\"> </span>7 705<span class=\"__14 _b7_7\"> </span><span class=\"ls14_11 ws3a_5\">-11</span>     El, vatten och gas<span class=\"__14 _1173\"> </span>3 540<span class=\"__14 _8d_6\"> </span>116<span class=\"__14 _1155\"> </span>29<span class=\"__14 _1101\"> </span>2<span class=\"__14 _e2_6\"> </span>5<span class=\"__14 _a4_6\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1118\"> </span></span>3 661<span class=\"__14 _1109\"> </span>-6     Kraftproduk<span class=\"__14 _b_13\"/>tion<span class=\"__14 _1171\"> </span>3 326<span class=\"__14 _1155\"> </span>20<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1132\"> </span>0<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1118\"> </span>3 345<span class=\"__14 _e2_6\"> </span>2     Allm\u00e4nnyttiga f<span class=\"__14 _b_13\"/>\u00f6retag<span class=\"__14 _1184\"> </span>680<span class=\"__14 _1152\"> </span>18<span class=\"__14 _1109\"> </span>15<span class=\"__14 _1151\"> </span>2<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1111\"> </span>11<span class=\"__14 _1129\"> </span>699<span class=\"__14 _1111\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _1ce\"> </span></span>F<span class=\"__14 _b_13\"/>astighetsbolag<span class=\"__14 _1181\"> </span>35 664<span class=\"__14 _1118\"> </span>1 029<span class=\"__14 _1148\"> </span>182<span class=\"__14 _9b_6\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1155\"> </span><span class=\"ls24_6 ws4a_3\">42<span class=\"__14 _1106\"> </span><span class=\"ls14_11 ws3a_5\">117<span class=\"__14 _5a_6\"> </span></span></span></span>36 692<span class=\"__14 _8d_6\"> </span>-44<span class=\"__14 _1ce\"> </span>\u00d6vriga branscher<span class=\"__14 _10c_6\"> </span>427<span class=\"__14 _1147\"> </span>196<span class=\"__14 _e2_6\"> </span>8<span class=\"__14 _1151\"> </span>5<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1147\"> </span>625<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1ce\"> </span>Summa f\u00f6retagsk<span class=\"__14 _b_13\"/>under<span class=\"__14 _1080\"> </span>110 057<span class=\"__14 _1154\"> </span>5 983<span class=\"__14 _1118\"> </span>2 472<span class=\"__14 _1106\"> </span>111<span class=\"__14 _1147\"> </span><span class=\"ls16_11 ws3c_5\">242<span class=\"__14 _1118\"> </span></span>1 249<span class=\"__14 _1135\"> </span>116 910<span class=\"__14 _9c_7\"> </span><span class=\"ls22_6 ws48_3\">-7<span class=\"__14 _1072\"/>3</span>   Bol\u00e5n<span class=\"__14 _d7_6\"> </span>118 361<span class=\"__14 _1121\"> </span>4 287<span class=\"__14 _1148\"> </span>477<span class=\"__14 _1109\"> </span>15<span class=\"__14 _1155\"> </span>38<span class=\"__14 _aa_6\"> </span>88<span class=\"__14 _1127\"> </span>122 984<span class=\"__14 _1106\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _1072\"/>2</span>   L\u00e5n mot s\u00e4kerhet<span class=\"__14 _1122\"> </span>17 270<span class=\"__14 _1121\"> </span>1 308<span class=\"__14 _8d_6\"> </span>310<span class=\"__14 _1156\"> </span>47<span class=\"__14 _1156\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _8d_6\"> </span></span>161<span class=\"__14 _1119\"> </span>18 632<span class=\"__14 _1152\"> </span>27   L\u00e5n utan s\u00e4kerhet<span class=\"__14 _1174\"> </span>5 708<span class=\"__14 _1121\"> </span>1 054<span class=\"__14 _8d_6\"> </span>219<span class=\"__14 _1109\"> </span>21<span class=\"__14 _1102\"> </span>71<span class=\"__14 _9c_7\"> </span>110<span class=\"__14 _1121\"> </span>6 7<span class=\"__14 _1072\"/>79<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _1ce\"> </span>Privatkunder<span class=\"__14 _1185\"> </span>141 339<span class=\"__14 _1115\"> </span>6 649<span class=\"__14 _1121\"> </span>1 006<span class=\"__14 _aa_6\"> </span>83<span class=\"__14 _8d_6\"> </span><span class=\"ls14_11 ws3a_5\">157<span class=\"__14 _1147\"> </span></span>359<span class=\"__14 _1074\"> </span>148 395<span class=\"__14 _9c_7\"> </span>-41<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Offen</span><span class=\"__14 _1058\"/>tlig sektor<span class=\"__14 _1ce\"> </span>4 436<span class=\"__14 _8d_6\"> </span>101<span class=\"__14 _1156\"> </span>34<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1151\"> </span>2<span class=\"__14 _8c_6\"> </span>4 569<span class=\"__14 _1152\"> </span><span class=\"ls1b_8 ws41_5\">-4<span class=\"__14 _1ce\"> </span></span>Utl\u00e5ning till allm\u00e4nheten <span class=\"__14 _1186\"> </span>255 832<span class=\"__14 _1098\"> </span>12 733<span class=\"__14 _1120\"> </span>3 512<span class=\"__14 _1147\"> </span>194<span class=\"__14 _1129\"> </span>399<span class=\"__14 _5f_6\"> </span>1 610<span class=\"__14 _5d_6\"> </span>269 874<span class=\"__14 _a1_6\"> </span>-118<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till kreditinstitut och centralbank<span class=\"__14 _b_13\"/>er<span class=\"__14 _1182\"> </span>1 785<span class=\"__14 _1152\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1132\"> </span></span>0<span class=\"__14 _1151\"> </span>3<span class=\"__14 _1132\"> </span>0<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1118\"> </span>1 796<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _c0_7\"> </span><span class=\"ls14_11 ws3a_5\">2<span class=\"__14 _1072\"/>57 617<span class=\"__14 _1149\"> </span></span>12 7<span class=\"__14 _b_13\"/>47<span class=\"__14 _5f_6\"> </span>3 512<span class=\"__14 _1148\"> </span><span class=\"ls25_6 ws4b_3\">197<span class=\"__14 _1136\"> </span></span>399<span class=\"__14 _5f_6\"> </span>1 610<span class=\"__14 _1123\"> </span>271 670<span class=\"__14 _1130\"> </span>-118<span class=\"__14 _1ce\"> </span>1) T<span class=\"__14 _1c_10\"/>abellen visar kreditf\u00f6rluster p\u00e5 e<span class=\"__14 _b_13\"/>xponeringar i och utanf\u00f6r balansr\u00e4kningen f\u00f6r hel\u00e5r<span class=\"__14 _1058\"/>et 2021.<span class=\"__14 _1ce\"> </span>212<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>Os\u00e4kra l\u00e5nef<span class=\"__14 _b_13\"/>ordringar (kategori 3), per land och bransch (inkl<span class=\"__14 _b_13\"/>usive l\u00e5n till verkligt v\u00e4rde)<span class=\"__14 _1ce\"> </span>31 dec 2022, mn euro<span class=\"__14 _b3_6\"> </span>Danmark<span class=\"__14 _1130\"> </span>Finland<span class=\"__14 _da_6\"> </span>Norge<span class=\"__14 _fc_7\"> </span>Sverige<span class=\"__14 _1ce\"> </span>Utanf\u00f6r <span class=\"__14 _1067\"/> Norden<span class=\"__14 _1130\"> </span>Summa Finansinstitut<span class=\"__14 _12a_4\"> </span>46<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1087\"> </span>6<span class=\"__14 _1092\"> </span>10<span class=\"__14 _1087\"> </span>0<span class=\"__14 _a3_6\"> </span><span class=\"ls21_7 ws47_3\">64<span class=\"__14 _1ce\"> </span></span>Jordbruk<span class=\"__14 _12b_4\"> </span><span class=\"ls18_10 ws3e_5\">197<span class=\"__14 _1093\"> </span></span>29<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b5_7\"> </span>228     Gr\u00f6dor<span class=\"__14 _b_13\"/>, odling och jakt<span class=\"__14 _4f_6\"> </span>35<span class=\"__14 _b8_6\"> </span>6<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _a3_6\"> </span><span class=\"ls24_6 ws4a_3\">42</span>     Djurh\u00e5llning<span class=\"__14 _cd_6\"> </span>162<span class=\"__14 _12c_4\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _bf_7\"> </span></span>1<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b5_7\"> </span>186     Fiske och vatt<span class=\"__14 _1058\"/>enbruk<span class=\"__14 _12d_4\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1ce\"> </span>Naturresurser<span class=\"__14 _12e_4\"> </span>8<span class=\"__14 _1092\"> </span>15<span class=\"__14 _12c_4\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1087\"> </span></span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a2_6\"> </span>46     Pappers- och skogsproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _f9_6\"> </span>8<span class=\"__14 _12c_4\"> </span>10<span class=\"__14 _b8_6\"> </span>5<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span><span class=\"ls1b_8 ws41_5\">23</span>     Gruvdrift och kringverksamhet<span class=\"__14 _8a_6\"> </span>0<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _1ce\">     Olje-, gas- och offshore-verksamhet</span><span class=\"__14 _12f_4\"> </span>0<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _1090\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1087\"> </span></span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span>20<span class=\"__14 _1ce\"> </span>Konsument dagligv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _1187\"> </span>69<span class=\"__14 _1090\"> </span>11<span class=\"__14 _1087\"> </span>8<span class=\"__14 _1086\"> </span>2<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a2_6\"> </span>90     Livsmedel och drycker<span class=\"__14 _1188\"> </span><span class=\"ls24_6 ws4a_3\">42<span class=\"__14 _1087\"> </span></span>8<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1086\"> </span>2<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1093\"> </span><span class=\"ls1a_9 ws40_5\">52</span>     Hush\u00e5lls- och hygienproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1185\"> </span>2<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _1086\"> </span>7<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1090\"> </span>11     H\u00e4lsov\u00e5rd<span class=\"__14 _1189\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _bf_7\"> </span></span>1<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _12c_4\"> </span>27<span class=\"__14 _1ce\"> </span>Konsument s\u00e4llank<span class=\"__14 _b_13\"/>\u00f6p och tj\u00e4nster<span class=\"__14 _5e_6\"> </span>134<span class=\"__14 _a2_6\"> </span>44<span class=\"__14 _2a_8\"> </span>15<span class=\"__14 _1079\"> </span>101<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1101\"> </span>294     Konsumentk<span class=\"__14 _1058\"/>apitalvar<span class=\"__14 _b_13\"/>or<span class=\"__14 _b3_6\"> </span>1<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _1087\"> </span>0<span class=\"__14 _a2_6\"> </span>40<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a2_6\"> </span>44     Media och underh\u00e5llning<span class=\"__14 _c0_7\"> </span>3<span class=\"__14 _12c_4\"> </span>16<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1087\"> </span>0<span class=\"__14 _2a_8\"> </span>21     Detaljhandel<span class=\"__14 _e7_6\"> </span>127<span class=\"__14 _1092\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _b8_6\"> </span></span>6<span class=\"__14 _12c_4\"> </span>37<span class=\"__14 _1087\"> </span>0<span class=\"__14 _be_7\"> </span>184     Flygre<span class=\"__14 _1058\"/>sor<span class=\"__14 _1190\"> </span>0<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1087\"> </span>6<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _1087\"> </span>0<span class=\"__14 _2a_8\"> </span>12     Logi och fritid<span class=\"__14 _1191\"> </span>3<span class=\"__14 _b8_6\"> </span>9<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _2a_8\"> </span>12<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1092\"> </span>27     <span class=\"__14 _1058\"/>T<span class=\"__14 _1c_10\"/>elekomtj\u00e4nster<span class=\"__14 _1192\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>6<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>6<span class=\"__14 _1ce\"> </span>Industri<span class=\"__14 _1193\"> </span>126<span class=\"__14 _1101\"> </span>206<span class=\"__14 _a3_6\"> </span>93<span class=\"__14 _8e_6\"> </span>137<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b5_7\"> </span>562     R\u00e5v<span class=\"__14 _1058\"/>aror<span class=\"__14 _f4_6\"> </span>16<span class=\"__14 _12c_4\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1087\"> </span></span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span>39     Kapitalv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _e3_6\"> </span>30<span class=\"__14 _1093\"> </span>30<span class=\"__14 _1087\"> </span>8<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _1087\"> </span>0<span class=\"__14 _12c_4\"> </span><span class=\"ls1c_8 ws42_5\">72</span>     Producenttj\u00e4ns<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1194\"> </span>13<span class=\"__14 _2a_8\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1090\"> </span></span>12<span class=\"__14 _1087\"> </span>8<span class=\"__14 _1087\"> </span>0<span class=\"__14 _a3_6\"> </span>50     Byggindustri<span class=\"__14 _c2_7\"> </span>35<span class=\"__14 _a2_6\"> </span>96<span class=\"__14 _1093\"> </span>26<span class=\"__14 _1092\"> </span>13<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _4b_6\"> </span><span class=\"ls14_11 ws3a_5\">170</span>     Partihandel<span class=\"__14 _1195\"> </span>26<span class=\"__14 _1092\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _bf_7\"> </span></span>1<span class=\"__14 _12c_4\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1087\"> </span></span>0<span class=\"__14 _a3_6\"> </span>66     Marktransport<span class=\"__14 _cd_6\"> </span>3<span class=\"__14 _1090\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _a2_6\"> </span></span>46<span class=\"__14 _1093\"> </span>29<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span>95     IT<span class=\"__14 _b_13\"/>-tj\u00e4nster<span class=\"__14 _f5_6\"> </span>3<span class=\"__14 _1087\"> </span>9<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span>58<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span>70<span class=\"__14 _1ce\"> </span>Sj\u00f6fart<span class=\"__14 _1196\"> </span>0<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _1092\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _1086\"> </span></span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _12c_4\"> </span>75     V<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>vsindustri<span class=\"__14 _d2_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1086\"> </span>3<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b8_6\"> </span>3     Sj\u00f6transport<span class=\"__14 _d0_6\"> </span>0<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _2a_8\"> </span>71<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _12c_4\"> </span><span class=\"ls1c_8 ws42_5\">72</span>     Sj\u00f6fartstj\u00e4ns<span class=\"__14 _1058\"/>ter<span class=\"__14 _b4_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1ce\"> </span>Samh\u00e4llsnyttiga tj\u00e4nster<span class=\"__14 _1078\"> </span>5<span class=\"__14 _1086\"> </span>7<span class=\"__14 _1086\"> </span>3<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _2a_8\"> </span><span class=\"ls14_11 ws3a_5\">17</span>     El, vatten och gas<span class=\"__14 _13a_4\"> </span>0<span class=\"__14 _b8_6\"> </span>5<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>6     Kraftproduk<span class=\"__14 _b_13\"/>tion<span class=\"__14 _1192\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _bb_7\"> </span>1     Allm\u00e4nnyttiga f<span class=\"__14 _b_13\"/>\u00f6retag<span class=\"__14 _e8_7\"> </span>5<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _1086\"> </span>3<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1093\"> </span>10<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _b_13\"/>astighetsbolag<span class=\"__14 _cd_6\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _a3_6\"> </span></span>93<span class=\"__14 _12c_4\"> </span>35<span class=\"__14 _1086\"> </span>7<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1079\"> </span><span class=\"ls14_11 ws3a_5\">178<span class=\"__14 _1ce\"> </span></span>\u00d6vriga branscher<span class=\"__14 _13b_4\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1086\"> </span>7<span class=\"__14 _1ce\"> </span>Summa f\u00f6retagsk<span class=\"__14 _b_13\"/>under<span class=\"__14 _1159\"> </span>629<span class=\"__14 _e2_6\"> </span>408<span class=\"__14 _c3_6\"> </span>263<span class=\"__14 _be_7\"> </span>261<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1155\"> </span>1 561   Bol\u00e5n<span class=\"__14 _13c_4\"> </span>269<span class=\"__14 _c3_6\"> </span>326<span class=\"__14 _1092\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _12c_4\"> </span></span>34<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b5_7\"> </span>703   L\u00e5n mot s\u00e4kerhet<span class=\"__14 _13d_4\"> </span>82<span class=\"__14 _b5_7\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>4<span class=\"__14 _1093\"> </span></span>34<span class=\"__14 _1087\"> </span>4<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1101\"> </span>264   L\u00e5n utan s\u00e4kerhet<span class=\"__14 _13e_4\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _a2_6\"> </span></span>86<span class=\"__14 _2a_8\"> </span>12<span class=\"__14 _1093\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _4b_6\"> </span><span class=\"ls14_11 ws3a_5\">145<span class=\"__14 _1ce\"> </span></span>Privatkunder<span class=\"__14 _13f_4\"> </span><span class=\"ls1f_7 ws45_4\">3<span class=\"__14 _1072\"/>74<span class=\"__14 _b5_7\"> </span></span>556<span class=\"__14 _be_7\"> </span>120<span class=\"__14 _a3_6\"> </span>62<span class=\"__14 _b8_6\"> </span><span class=\"ff2_14\">0<span class=\"__14 _1102\"> </span></span>1 112<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Offen</span><span class=\"__14 _1058\"/>tlig sektor<span class=\"__14 _cd_6\"> </span>38<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _1087\"> </span><span class=\"ff2_14\">0<span class=\"__14 _1093\"> </span></span>39<span class=\"__14 _1ce\"> </span>Summa os\u00e4kra for<span class=\"__14 _b_13\"/>dringar<span class=\"__14 _1150\"> </span>1 041<span class=\"__14 _1151\"> </span>964<span class=\"__14 _c3_6\"> </span>383<span class=\"__14 _c3_6\"> </span><span class=\"ls16_11 ws3c_5\">324<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _1152\"> </span>2 712  varav v<span class=\"__14 _b_13\"/>\u00e4rderad till verkligt v\u00e4rde<span class=\"__14 _1197\"> </span>455<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1092\"> </span>15<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span><span class=\"ff2_14\">0<span class=\"__14 _1101\"> </span></span>470<span class=\"__14 _1ce\"> </span>213<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>Os\u00e4kra l\u00e5nef<span class=\"__14 _b_13\"/>ordringar (kategori 3), per land och bransch (inkl<span class=\"__14 _b_13\"/>usive l\u00e5n till verkligt v\u00e4rde)<span class=\"__14 _1ce\"> </span>31 dec 2021, mn euro<span class=\"__14 _e6_6\"> </span>Danmark<span class=\"__14 _1130\"> </span>Finland<span class=\"__14 _da_6\"> </span>Norge<span class=\"__14 _fc_7\"> </span>Sverige<span class=\"__14 _1ce\"> </span>Utanf\u00f6r <span class=\"__14 _1067\"/> Norden<span class=\"__14 _1130\"> </span>Summa Finansinstitut<span class=\"__14 _12a_4\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _b8_6\"> </span></span>5<span class=\"__14 _1092\"> </span>15<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _a2_6\"> </span>68<span class=\"__14 _1ce\"> </span>Jordbruk<span class=\"__14 _1198\"> </span>307<span class=\"__14 _12c_4\"> </span>18<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _be_7\"> </span>332     Gr\u00f6dor<span class=\"__14 _b_13\"/>, odling och jakt<span class=\"__14 _10d_6\"> </span>66<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _1086\"> </span>2<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _12c_4\"> </span><span class=\"ls1c_8 ws42_5\">72</span>     Djurh\u00e5llning<span class=\"__14 _d3_6\"> </span><span class=\"ls16_11 ws3c_5\">241<span class=\"__14 _2a_8\"> </span></span>15<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1101\"> </span>2<span class=\"__14 _1072\"/>59     Fiske och vatt<span class=\"__14 _1058\"/>enbruk<span class=\"__14 _12d_4\"> </span>0<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _1ce\"> </span>Naturresurser<span class=\"__14 _1199\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _2a_8\"> </span></span>15<span class=\"__14 _b5_7\"> </span>207<span class=\"__14 _1087\"> </span>0<span class=\"__14 _be_7\"> </span>337<span class=\"__14 _be_7\"> </span><span class=\"ls14_11 ws3a_5\">576</span>     Pappers- och skogsproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1183\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1090\"> </span></span>11<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1093\"> </span>32     Gruvdrift och kringverksamhet<span class=\"__14 _8a_6\"> </span>0<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _1ce\">     Olje-, gas- och offshore-verksamhet</span><span class=\"__14 _12f_4\"> </span>0<span class=\"__14 _1086\"> </span>2<span class=\"__14 _c3_6\"> </span>202<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b5_7\"> </span>337<span class=\"__14 _4b_6\"> </span>541<span class=\"__14 _1ce\"> </span>Konsument dagligv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _de_6\"> </span>5<span class=\"__14 _1086\"> </span>5<span class=\"__14 _1087\"> </span>9<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span>20     Livsmedel och drycker<span class=\"__14 _3a_9\"> </span>1<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b8_6\"> </span>5     Hush\u00e5lls- och hygienproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1185\"> </span>2<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _b8_6\"> </span>8<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1200\"> </span>11     H\u00e4lsov\u00e5rd<span class=\"__14 _f5_6\"> </span>2<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _1ce\"> </span>Konsument s\u00e4llank<span class=\"__14 _b_13\"/>\u00f6p och tj\u00e4nster<span class=\"__14 _1201\"> </span><span class=\"ls14_11 ws3a_5\">114<span class=\"__14 _1093\"> </span></span>39<span class=\"__14 _12c_4\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _be_7\"> </span></span>104<span class=\"__14 _1087\"> </span>0<span class=\"__14 _8e_6\"> </span>271     Konsumentk<span class=\"__14 _1058\"/>apitalvar<span class=\"__14 _b_13\"/>or<span class=\"__14 _1202\"> </span>3<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _a2_6\"> </span>30     Media och underh\u00e5llning<span class=\"__14 _1179\"> </span>4<span class=\"__14 _12c_4\"> </span>10<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1087\"> </span>4<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _12c_4\"> </span>19     Detaljhandel<span class=\"__14 _c7_6\"> </span>104<span class=\"__14 _1203\"> </span>12<span class=\"__14 _1086\"> </span>7<span class=\"__14 _a2_6\"> </span>60<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b5_7\"> </span>183     Flygre<span class=\"__14 _1058\"/>sor<span class=\"__14 _1190\"> </span>0<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b8_6\"> </span>5     Logi och fritid<span class=\"__14 _1191\"> </span>3<span class=\"__14 _12c_4\"> </span>10<span class=\"__14 _b8_6\"> </span>5<span class=\"__14 _b8_6\"> </span>8<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span>26     <span class=\"__14 _1058\"/>T<span class=\"__14 _1c_10\"/>elekomtj\u00e4nster<span class=\"__14 _1192\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>8<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>8<span class=\"__14 _1ce\"> </span>Industri<span class=\"__14 _13c_4\"> </span>163<span class=\"__14 _b5_7\"> </span>254<span class=\"__14 _8e_6\"> </span><span class=\"ls1f_7 ws45_4\">1<span class=\"__14 _1072\"/>74<span class=\"__14 _1153\"> </span></span>118<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1101\"> </span>709     R\u00e5v<span class=\"__14 _1058\"/>aror<span class=\"__14 _f4_6\"> </span>16<span class=\"__14 _1093\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _1087\"> </span></span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a3_6\"> </span>59     Kapitalv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _bc_6\"> </span>62<span class=\"__14 _a3_6\"> </span>45<span class=\"__14 _2a_8\"> </span>15<span class=\"__14 _b8_6\"> </span>5<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _8e_6\"> </span>127     Producenttj\u00e4ns<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1204\"> </span>16<span class=\"__14 _12c_4\"> </span>18<span class=\"__14 _2a_8\"> </span>13<span class=\"__14 _b8_6\"> </span>9<span class=\"__14 _1087\"> </span>0<span class=\"__14 _a3_6\"> </span>56     Byggindustri<span class=\"__14 _1205\"> </span>38<span class=\"__14 _a2_6\"> </span>66<span class=\"__14 _a3_6\"> </span>89<span class=\"__14 _2a_8\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _4b_6\"> </span>210     Partihandel<span class=\"__14 _f6_6\"> </span>22<span class=\"__14 _a3_6\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1086\"> </span></span>2<span class=\"__14 _1092\"> </span>31<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a2_6\"> </span>80     Marktransport<span class=\"__14 _d3_6\"> </span>7<span class=\"__14 _a2_6\"> </span>44<span class=\"__14 _a3_6\"> </span>54<span class=\"__14 _1086\"> </span>2<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _be_7\"> </span>107     IT<span class=\"__14 _b_13\"/>-tj\u00e4nster<span class=\"__14 _f5_6\"> </span>2<span class=\"__14 _1092\"> </span>13<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _a3_6\"> </span>54<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a3_6\"> </span>70<span class=\"__14 _1ce\"> </span>Sj\u00f6fart<span class=\"__14 _1206\"> </span>28<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1151\"> </span>488<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _4b_6\"> </span><span class=\"ls14_11 ws3a_5\">516</span>     V<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>vsindustri<span class=\"__14 _d2_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0     Sj\u00f6transport<span class=\"__14 _e3_6\"> </span>28<span class=\"__14 _1087\"> </span>0<span class=\"__14 _be_7\"> </span>477<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _c3_6\"> </span>505     Sj\u00f6fartstj\u00e4ns<span class=\"__14 _1058\"/>ter<span class=\"__14 _b4_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1090\"> </span>11<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1090\"> </span>11<span class=\"__14 _1ce\"> </span>Samh\u00e4llsnyttiga tj\u00e4nster<span class=\"__14 _1078\"> </span>3<span class=\"__14 _1086\"> </span>5<span class=\"__14 _1093\"> </span>37<span class=\"__14 _1086\"> </span>3<span class=\"__14 _1087\"> </span>0<span class=\"__14 _a2_6\"> </span><span class=\"ls1b_8 ws41_5\">48</span>     El, vatten och gas<span class=\"__14 _13a_4\"> </span>0<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _1093\"> </span>28<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a3_6\"> </span>29     Kraftproduk<span class=\"__14 _b_13\"/>tion<span class=\"__14 _1192\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _bb_7\"> </span>1     Allm\u00e4nnyttiga f<span class=\"__14 _b_13\"/>\u00f6retag<span class=\"__14 _e8_7\"> </span>3<span class=\"__14 _1087\"> </span>4<span class=\"__14 _b8_6\"> </span>9<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1087\"> </span>0<span class=\"__14 _12c_4\"> </span>18<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _b_13\"/>astighetsbolag<span class=\"__14 _d3_6\"> </span><span class=\"ls18_10 ws3e_5\">97<span class=\"__14 _1093\"> </span>97<span class=\"__14 _a3_6\"> </span></span>50<span class=\"__14 _1092\"> </span>10<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b5_7\"> </span>254<span class=\"__14 _1ce\"> </span>\u00d6vriga branscher<span class=\"__14 _13b_4\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1086\"> </span>7<span class=\"__14 _1ce\"> </span>Summa f\u00f6retagsk<span class=\"__14 _b_13\"/>under<span class=\"__14 _14a_3\"> </span>783<span class=\"__14 _1151\"> </span>438<span class=\"__14 _aa_6\"> </span>1 002<span class=\"__14 _1101\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1072\"/>0<span class=\"__14 _c3_6\"> </span></span>338<span class=\"__14 _aa_6\"> </span>2 801   Bol\u00e5n<span class=\"__14 _13c_4\"> </span>346<span class=\"__14 _c3_6\"> </span>355<span class=\"__14 _1092\"> </span>81<span class=\"__14 _a3_6\"> </span><span class=\"ls24_6 ws4a_3\">42<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _1101\"> </span><span class=\"ls16_11 ws3c_5\">824</span>   L\u00e5n mot s\u00e4kerhet<span class=\"__14 _14b_3\"> </span>129<span class=\"__14 _be_7\"> </span>138<span class=\"__14 _1092\"> </span>41<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _8e_6\"> </span>311   L\u00e5n utan s\u00e4kerhet<span class=\"__14 _14c_3\"> </span>31<span class=\"__14 _8e_6\"> </span>131<span class=\"__14 _1093\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1092\"> </span></span>32<span class=\"__14 _1087\"> </span>0<span class=\"__14 _4b_6\"> </span>218<span class=\"__14 _1ce\"> </span>Privatkunder<span class=\"__14 _14d_2\"> </span>506<span class=\"__14 _1101\"> </span><span class=\"ls16_11 ws3c_5\">624<span class=\"__14 _b5_7\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>6<span class=\"__14 _12c_4\"> </span><span class=\"ls1b_8 ws41_5\">77<span class=\"__14 _1087\"> </span></span></span></span>0<span class=\"__14 _1155\"> </span>1 353<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Offen</span><span class=\"__14 _1058\"/>tlig sektor<span class=\"__14 _d3_6\"> </span>32<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a2_6\"> </span>34<span class=\"__14 _1ce\"> </span>Summa os\u00e4kra for<span class=\"__14 _b_13\"/>dringar<span class=\"__14 _14e_2\"> </span>1 321<span class=\"__14 _aa_6\"> </span>1 062<span class=\"__14 _9b_6\"> </span>1 150<span class=\"__14 _1079\"> </span><span class=\"ls14_11 ws3a_5\">317<span class=\"__14 _c3_6\"> </span></span>338<span class=\"__14 _b0_6\"> </span>4 188  varav v<span class=\"__14 _b_13\"/>\u00e4rderad till verkligt v\u00e4rde<span class=\"__14 _1174\"> </span>658<span class=\"__14 _1087\"> </span>0<span class=\"__14 _2a_8\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _c3_6\"> </span>675<span class=\"__14 _1ce\"> </span>214<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till allm\u00e4nheten, v\u00e4rder<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ad till upplupet anskaffningsv\u00e4rde<span class=\"__14 _1ce\"> </span></span>31 dec 2022, mn euro<span class=\"__14 _1ce\"> </span>Kredit-<span class=\"__14 _1ce\"> </span>f\u00f6rlust<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>, <span class=\"__14 _1ce\">netto1<span class=\"__14 _1ce\"> </span></span>Kredit-<span class=\"__14 _1ce\"> </span>f\u00f6rlustr<span class=\"__14 _1058\"/>e-<span class=\"__14 _1ce\"> </span>lation, pkt<span class=\"__14 _1ce\"> </span>Os\u00e4kra l\u00e5neford-<span class=\"__14 _1ce\"> </span>ringar kategori 3<span class=\"__14 _1ce\"> </span>Andel os\u00e4kra fordringar<span class=\"__14 _b_13\"/>,<span class=\"__14 _1ce\"> </span>pkt<span class=\"__14 _1ce\"> </span>Summa avs\u00e4<span class=\"__14 _1058\"/>tt- ningar<span class=\"__14 _1ce\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4tt- ningar <span class=\"__14 _1069\"/> kategori 1<span class=\"__14 _1ce\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4tt- ningar <span class=\"__14 _1069\"/> <span class=\"__14 _1ce\">kategori 2<span class=\"__14 _1ce\"> </span></span>A<span class=\"__14 _b_13\"/>vs\u00e4tt- ningar <span class=\"__14 _1069\"/> <span class=\"__14 _1ce\">kategori 3<span class=\"__14 _1ce\"> </span></span>T<span class=\"__14 _1058\"/>\u00e4ck-<span class=\"__14 _1ce\"> </span>nings-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">grad, %2<span class=\"__14 _1ce\"> </span></span>Utl\u00e5ning till v\u00e4rderad till upplupet an-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">skaffningsv\u00e4r</span><span class=\"__14 _1058\"/>de<span class=\"__14 _1ce\"> </span>Finansinstitut<span class=\"__14 _1085\"> </span>-49<span class=\"__14 _5f_6\"> </span>-34<span class=\"__14 _1136\"> </span>62<span class=\"__14 _4c_6\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _1130\"> </span></span>47<span class=\"__14 _1106\"> </span>8<span class=\"__14 _1136\"> </span>10<span class=\"__14 _fc_7\"> </span>29<span class=\"__14 _1130\"> </span>47<span class=\"__14 _b0_6\"> </span>14 534<span class=\"__14 _1ce\"> </span>Jordbruk<span class=\"__14 _ff_6\"> </span>-3<span class=\"__14 _1136\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _a5_7\"> </span></span>107<span class=\"__14 _1118\"> </span>229<span class=\"__14 _4c_6\"> </span>78<span class=\"__14 _b0_6\"> </span>7<span class=\"__14 _1147\"> </span>15<span class=\"__14 _fc_7\"> </span>56<span class=\"__14 _1130\"> </span><span class=\"ls1a_9 ws40_5\">52<span class=\"__14 _1102\"> </span></span>4 604     Gr\u00f6dor<span class=\"__14 _b_13\"/>, odling och jakt<span class=\"__14 _be_7\"> </span>5<span class=\"__14 _4c_6\"> </span>49<span class=\"__14 _1136\"> </span>20<span class=\"__14 _1118\"> </span>192<span class=\"__14 _1104\"> </span>15<span class=\"__14 _da_6\"> </span>3<span class=\"__14 _b7_7\"> </span>4<span class=\"__14 _b0_6\"> </span>8<span class=\"__14 _7c_6\"> </span>40<span class=\"__14 _14f_2\"> </span>1 029     Djurh\u00e5llning<span class=\"__14 _1186\"> </span>-6<span class=\"__14 _1120\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _1072\"/>9<span class=\"__14 _1129\"> </span></span>86<span class=\"__14 _1117\"> </span>1 046<span class=\"__14 _7c_6\"> </span>60<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1147\"> </span>10<span class=\"__14 _a1_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _a1_6\"> </span></span>56<span class=\"__14 _a2_6\"> </span><span class=\"ls14_11 ws3a_5\">762</span>     Fiske och vatt<span class=\"__14 _1058\"/>enbruk<span class=\"__14 _a3_6\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1147\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _1152\"> </span></span></span>1<span class=\"__14 _1106\"> </span>4<span class=\"__14 _1106\"> </span>3<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _9b_6\"> </span>1<span class=\"__14 _da_6\"> </span>0<span class=\"__14 _1106\"> </span>0<span class=\"__14 _14f_2\"> </span>2 813<span class=\"__14 _1ce\"> </span>Naturresurser<span class=\"__14 _11f_7\"> </span>26<span class=\"__14 _4c_6\"> </span>87<span class=\"__14 _1136\"> </span>39<span class=\"__14 _1118\"> </span>129<span class=\"__14 _1130\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _da_6\"> </span></span>2<span class=\"__14 _aa_6\"> </span>4<span class=\"__14 _1129\"> </span>18<span class=\"__14 _4c_6\"> </span>46<span class=\"__14 _a4_6\"> </span>2 996      <span class=\"__14 _1067\"/>Pappers- och skogsproduk<span class=\"__14 _1058\"/>ter<span class=\"__14 _4a_6\"> </span>2<span class=\"__14 _1130\"> </span>10<span class=\"__14 _1147\"> </span>22<span class=\"__14 _1118\"> </span>107<span class=\"__14 _fc_7\"> </span>18<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _aa_6\"> </span>3<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _4c_6\"> </span><span class=\"ls21_7 ws47_3\">64<span class=\"__14 _1111\"> </span></span></span>2 039      <span class=\"__14 _1067\"/>Gruvdrift och kringverksamhet<span class=\"__14 _1083\"> </span><span class=\"ls14_11 ws3a_5\">-1<span class=\"__14 _1120\"> </span><span class=\"ls16_11 ws3c_5\">-24<span class=\"__14 _1156\"> </span></span></span>3<span class=\"__14 _fc_7\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _1106\"> </span></span>2<span class=\"__14 _1106\"> </span>0<span class=\"__14 _1155\"> </span>1<span class=\"__14 _1156\"> </span>1<span class=\"__14 _a1_6\"> </span>33<span class=\"__14 _a3_6\"> </span>413      <span class=\"__14 _1067\"/><span class=\"__14 _1ce\">Olje-, gas- och offshore-<span class=\"__14 _1ce\"> </span></span>verksamhet<span class=\"__14 _1207\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1154\"> </span></span>460<span class=\"__14 _1147\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1118\"> </span></span>255<span class=\"__14 _1106\"> </span>4<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _b7_7\"> </span>0<span class=\"__14 _b0_6\"> </span>3<span class=\"__14 _1129\"> </span>21<span class=\"__14 _a7_7\"> </span>544<span class=\"__14 _1ce\"> </span>Konsument dagligv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _b5_7\"> </span><span class=\"ls16_11 ws3c_5\">-26<span class=\"__14 _a5_7\"> </span><span class=\"ls14_11 ws3a_5\">-51<span class=\"__14 _1136\"> </span></span></span>87<span class=\"__14 _1121\"> </span>168<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">51<span class=\"__14 _1106\"> </span></span>8<span class=\"__14 _b7_7\"> </span>8<span class=\"__14 _fc_7\"> </span>35<span class=\"__14 _4c_6\"> </span>40<span class=\"__14 _1132\"> </span>5 119     Livsmedel och drycker<span class=\"__14 _9b_6\"> </span><span class=\"ls14_11 ws3a_5\">-13<span class=\"__14 _6a_6\"> </span><span class=\"ls23_6 ws49_3\">-71<span class=\"__14 _1147\"> </span><span class=\"ls1a_9 ws40_5\">52<span class=\"__14 _1118\"> </span></span></span></span>281<span class=\"__14 _fc_7\"> </span>22<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _aa_6\"> </span>3<span class=\"__14 _1147\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1130\"> </span></span>33<span class=\"__14 _14f_2\"> </span>1 829      <span class=\"__14 _1067\"/>Hush\u00e5lls- och hygienproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1088\"> </span><span class=\"ls14_11 ws3a_5\">-1<span class=\"__14 _a6_7\"> </span>-16<span class=\"__14 _1147\"> </span></span>10<span class=\"__14 _1118\"> </span>159<span class=\"__14 _1106\"> </span>8<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _9b_6\"> </span>1<span class=\"__14 _b0_6\"> </span>5<span class=\"__14 _a1_6\"> </span>50<span class=\"__14 _a2_6\"> </span>619     H\u00e4lsov\u00e5rd<span class=\"__14 _1208\"> </span><span class=\"ls14_11 ws3a_5\">-12<span class=\"__14 _5f_6\"> </span></span>-45<span class=\"__14 _1147\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _4c_6\"> </span></span>93<span class=\"__14 _1104\"> </span>21<span class=\"__14 _1106\"> </span>4<span class=\"__14 _b7_7\"> </span>4<span class=\"__14 _1136\"> </span>13<span class=\"__14 _1130\"> </span><span class=\"ls1a_9 ws40_5\">52<span class=\"__14 _7e_6\"> </span></span>2 671<span class=\"__14 _1ce\"> </span>Konsument s\u00e4llank<span class=\"__14 _b_13\"/>\u00f6p  och tj\u00e4nster<span class=\"__14 _1172\"> </span>-31<span class=\"__14 _7b_6\"> </span><span class=\"ls16_11 ws3c_5\">-27<span class=\"__14 _1113\"> </span></span>287<span class=\"__14 _1121\"> </span><span class=\"ls16_11 ws3c_5\">243<span class=\"__14 _1121\"> </span>24<span class=\"__14 _1072\"/>9<span class=\"__14 _1104\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1104\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _1120\"> </span></span></span></span>187<span class=\"__14 _a1_6\"> </span>65<span class=\"__14 _aa_6\"> </span>11 540     Konsumentk<span class=\"__14 _1058\"/>apitalvar<span class=\"__14 _b_13\"/>or<span class=\"__14 _8d_6\"> </span><span class=\"ls14_11 ws3a_5\">-1<span class=\"__14 _1072\"/>2<span class=\"__14 _1118\"> </span></span>-<span class=\"__14 _1072\"/>46<span class=\"__14 _1104\"> </span>44<span class=\"__14 _1118\"> </span>168<span class=\"__14 _1130\"> </span>32<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _b7_7\"> </span>6<span class=\"__14 _1104\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1130\"> </span></span>55<span class=\"__14 _1111\"> </span>2 586     Media och underh\u00e5llning<span class=\"__14 _1104\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _7c_6\"> </span><span class=\"ls14_11 ws3a_5\">-11<span class=\"__14 _1136\"> </span></span></span>20<span class=\"__14 _1121\"> </span>104<span class=\"__14 _fc_7\"> </span>19<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _b7_7\"> </span>6<span class=\"__14 _1148\"> </span>11<span class=\"__14 _a1_6\"> </span>55<span class=\"__14 _9a_6\"> </span>1 899     Detaljhandel<span class=\"__14 _1103\"> </span><span class=\"ls14_11 ws3a_5\">-18<span class=\"__14 _5f_6\"> </span></span>-40<span class=\"__14 _7b_6\"> </span>180<span class=\"__14 _1118\"> </span>391<span class=\"__14 _1118\"> </span><span class=\"ls14_11 ws3a_5\">146<span class=\"__14 _1106\"> </span></span>8<span class=\"__14 _1129\"> </span>20<span class=\"__14 _a6_7\"> </span>118<span class=\"__14 _4c_6\"> </span>66<span class=\"__14 _a4_6\"> </span>4 462     Flygre<span class=\"__14 _1058\"/>sor<span class=\"__14 _1209\"> </span>-6<span class=\"__14 _1149\"> </span><span class=\"ls14_11 ws3a_5\">-451<span class=\"__14 _1148\"> </span></span>12<span class=\"__14 _8c_6\"> </span>839<span class=\"__14 _fc_7\"> </span>10<span class=\"__14 _1106\"> </span>0<span class=\"__14 _aa_6\"> </span>2<span class=\"__14 _b0_6\"> </span>8<span class=\"__14 _a1_6\"> </span>67<span class=\"__14 _1093\"> </span>133     Logi och fritid<span class=\"__14 _1210\"> </span>4<span class=\"__14 _1130\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1136\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1118\"> </span><span class=\"ls14_11 ws3a_5\">146<span class=\"__14 _a1_6\"> </span></span></span></span>36<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1147\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _fc_7\"> </span></span>20<span class=\"__14 _7c_6\"> </span>80<span class=\"__14 _7e_6\"> </span>1 673     <span class=\"__14 _1058\"/>T<span class=\"__14 _1c_10\"/>elekomtj\u00e4nster<span class=\"__14 _1125\"> </span>3<span class=\"__14 _4c_6\"> </span>38<span class=\"__14 _b7_7\"> </span>6<span class=\"__14 _1130\"> </span><span class=\"ls14_11 ws3a_5\">76<span class=\"__14 _1106\"> </span></span>6<span class=\"__14 _1106\"> </span>0<span class=\"__14 _b7_7\"> </span>0<span class=\"__14 _da_6\"> </span>6<span class=\"__14 _1118\"> </span>100<span class=\"__14 _1105\"> </span>787<span class=\"__14 _1ce\"> </span>Industri<span class=\"__14 _1176\"> </span>-52<span class=\"__14 _1113\"> </span><span class=\"ls14_11 ws3a_5\">-15<span class=\"__14 _7b_6\"> </span></span>542<span class=\"__14 _1120\"> </span><span class=\"ls14_11 ws3a_5\">1<span class=\"__14 _1072\"/>57<span class=\"__14 _8c_6\"> </span></span>446<span class=\"__14 _a1_6\"> </span>53<span class=\"__14 _7b_6\"> </span>100<span class=\"__14 _1118\"> </span>293<span class=\"__14 _a1_6\"> </span>54<span class=\"__14 _8d_6\"> </span>34 086     R\u00e5v<span class=\"__14 _1058\"/>aror<span class=\"__14 _1184\"> </span>7<span class=\"__14 _fc_7\"> </span>27<span class=\"__14 _1136\"> </span>39<span class=\"__14 _1121\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>9<span class=\"__14 _1129\"> </span></span>21<span class=\"__14 _1106\"> </span>4<span class=\"__14 _b7_7\"> </span>4<span class=\"__14 _1136\"> </span>13<span class=\"__14 _a1_6\"> </span>33<span class=\"__14 _9a_6\"> </span>2 590     Kapitalv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _1207\"> </span>11<span class=\"__14 _a1_6\"> </span>29<span class=\"__14 _1148\"> </span>71<span class=\"__14 _1118\"> </span>183<span class=\"__14 _1130\"> </span>55<span class=\"__14 _da_6\"> </span>5<span class=\"__14 _8d_6\"> </span>11<span class=\"__14 _1130\"> </span>39<span class=\"__14 _1130\"> </span>55<span class=\"__14 _9a_6\"> </span>3 822     Producenttj\u00e4ns<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1211\"> </span>2<span class=\"__14 _1106\"> </span>3<span class=\"__14 _1129\"> </span>44<span class=\"__14 _4c_6\"> </span>68<span class=\"__14 _4c_6\"> </span>45<span class=\"__14 _fc_7\"> </span>10<span class=\"__14 _1148\"> </span>15<span class=\"__14 _1130\"> </span>20<span class=\"__14 _a1_6\"> </span>45<span class=\"__14 _1111\"> </span>6 383     Byggindustri<span class=\"__14 _1103\"> </span>-37<span class=\"__14 _7b_6\"> </span>-41<span class=\"__14 _a6_7\"> </span>164<span class=\"__14 _1121\"> </span>180<span class=\"__14 _5f_6\"> </span>155<span class=\"__14 _1104\"> </span>15<span class=\"__14 _1129\"> </span>34<span class=\"__14 _5f_6\"> </span>106<span class=\"__14 _a1_6\"> </span>65<span class=\"__14 _1111\"> </span><span class=\"ls14_11 ws3a_5\">8 976</span>     Partihandel<span class=\"__14 _2c_8\"> </span>-9<span class=\"__14 _1113\"> </span><span class=\"ls14_11 ws3a_5\">-12<span class=\"__14 _1129\"> </span><span class=\"ls21_7 ws47_3\">64<span class=\"__14 _4c_6\"> </span></span></span>85<span class=\"__14 _fc_7\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _9c_7\"> </span></span>8<span class=\"__14 _1136\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1130\"> </span></span>40<span class=\"__14 _4c_6\"> </span>63<span class=\"__14 _1111\"> </span>7 489     Marktransport<span class=\"__14 _1212\"> </span><span class=\"ls14_11 ws3a_5\">-17<span class=\"__14 _a6_7\"> </span></span>-61<span class=\"__14 _1104\"> </span>94<span class=\"__14 _5f_6\"> </span>327<span class=\"__14 _a1_6\"> </span>67<span class=\"__14 _1106\"> </span>6<span class=\"__14 _b7_7\"> </span>6<span class=\"__14 _1104\"> </span>55<span class=\"__14 _a1_6\"> </span>59<span class=\"__14 _1111\"> </span>2 805     IT<span class=\"__14 _b_13\"/>-tj\u00e4nster<span class=\"__14 _b2_7\"> </span>-9<span class=\"__14 _5f_6\"> </span>-<span class=\"__14 _1072\"/>45<span class=\"__14 _1104\"> </span>66<span class=\"__14 _1118\"> </span>322<span class=\"__14 _1104\"> </span>31<span class=\"__14 _da_6\"> </span>5<span class=\"__14 _b7_7\"> </span>6<span class=\"__14 _fc_7\"> </span>20<span class=\"__14 _a1_6\"> </span>30<span class=\"__14 _7e_6\"> </span>2 021<span class=\"__14 _1ce\"> </span>Sj\u00f6fart<span class=\"__14 _1173\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _4c_6\"> </span></span>39<span class=\"__14 _1129\"> </span>66<span class=\"__14 _1113\"> </span>111<span class=\"__14 _1130\"> </span>55<span class=\"__14 _fc_7\"> </span>19<span class=\"__14 _1156\"> </span>5<span class=\"__14 _1136\"> </span>31<span class=\"__14 _a1_6\"> </span>47<span class=\"__14 _1111\"> </span>5 892     V<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>vsindustri<span class=\"__14 _1207\"> </span>1<span class=\"__14 _fc_7\"> </span>81<span class=\"__14 _1156\"> </span>3<span class=\"__14 _1121\"> </span>234<span class=\"__14 _1106\"> </span>4<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _b7_7\"> </span>0<span class=\"__14 _b0_6\"> </span>3<span class=\"__14 _1118\"> </span>100<span class=\"__14 _a3_6\"> </span><span class=\"ls16_11 ws3c_5\">124</span>     Sj\u00f6transport<span class=\"__14 _1213\"> </span>22<span class=\"__14 _7c_6\"> </span>40<span class=\"__14 _1136\"> </span>63<span class=\"__14 _1120\"> </span><span class=\"ls14_11 ws3a_5\">114<span class=\"__14 _a1_6\"> </span></span>50<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1156\"> </span></span>5<span class=\"__14 _fc_7\"> </span>28<span class=\"__14 _4c_6\"> </span>44<span class=\"__14 _1111\"> </span>5 482     Sj\u00f6fartstj\u00e4ns<span class=\"__14 _1058\"/>ter<span class=\"__14 _1214\"> </span>0<span class=\"__14 _1106\"> </span>0<span class=\"__14 _1ce\"> </span>0<span class=\"__14 _1106\"> </span>0<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _b7_7\"> </span>0<span class=\"__14 _da_6\"> </span>0<span class=\"__14 _1106\"> </span>0<span class=\"__14 _6c_6\"> </span>286<span class=\"__14 _1ce\"> </span>Samh\u00e4llsnyttiga tj\u00e4nster<span class=\"__14 _a2_6\"> </span>8<span class=\"__14 _1136\"> </span>11<span class=\"__14 _1147\"> </span>16<span class=\"__14 _1130\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _fc_7\"> </span></span>16<span class=\"__14 _1106\"> </span>5<span class=\"__14 _aa_6\"> </span>4<span class=\"__14 _b7_7\"> </span>7<span class=\"__14 _4c_6\"> </span>44<span class=\"__14 _7e_6\"> </span>7 013     El, vatten och gas<span class=\"__14 _1211\"> </span>8<span class=\"__14 _1130\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _aa_6\"> </span></span>6<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _b0_6\"> </span></span>7<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1156\"> </span>2<span class=\"__14 _b0_6\"> </span>3<span class=\"__14 _a1_6\"> </span>50<span class=\"__14 _a4_6\"> </span>3 490     Kraftproduk<span class=\"__14 _b_13\"/>tion<span class=\"__14 _1215\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1147\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _9b_6\"> </span></span></span>1<span class=\"__14 _da_6\"> </span>3<span class=\"__14 _1106\"> </span>3<span class=\"__14 _b0_6\"> </span>2<span class=\"__14 _b7_7\"> </span>0<span class=\"__14 _aa_6\"> </span>1<span class=\"__14 _1121\"> </span>100<span class=\"__14 _1132\"> </span>2 971     Allm\u00e4nnyttiga f<span class=\"__14 _b_13\"/>\u00f6retag<span class=\"__14 _a7_7\"> </span>2<span class=\"__14 _a1_6\"> </span>36<span class=\"__14 _1156\"> </span>9<span class=\"__14 _1120\"> </span>161<span class=\"__14 _1106\"> </span>6<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _1156\"> </span>2<span class=\"__14 _b0_6\"> </span>3<span class=\"__14 _1130\"> </span>33<span class=\"__14 _a2_6\"> </span>552<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _b_13\"/>astighetsbolag<span class=\"__14 _1114\"> </span>32<span class=\"__14 _1106\"> </span>9<span class=\"__14 _1113\"> </span><span class=\"ls14_11 ws3a_5\">145<span class=\"__14 _a1_6\"> </span></span>39<span class=\"__14 _5f_6\"> </span>126<span class=\"__14 _1130\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1136\"> </span></span>18<span class=\"__14 _1130\"> </span>85<span class=\"__14 _a1_6\"> </span>59<span class=\"__14 _1106\"> </span>37 089<span class=\"__14 _1ce\"> </span>\u00d6vriga branscher<span class=\"__14 _1214\"> </span>-3<span class=\"__14 _1154\"> </span>-112<span class=\"__14 _1156\"> </span>7<span class=\"__14 _1121\"> </span>239<span class=\"__14 _1130\"> </span>26<span class=\"__14 _1106\"> </span>4<span class=\"__14 _1104\"> </span>20<span class=\"__14 _b7_7\"> </span>2<span class=\"__14 _a1_6\"> </span>29<span class=\"__14 _a2_6\"> </span>267<span class=\"__14 _1ce\"> </span>Summa f\u00f6retagsk<span class=\"__14 _b_13\"/>under<span class=\"__14 _14f_2\"> </span><span class=\"ls22_6 ws48_3\">-75<span class=\"__14 _1129\"> </span></span>-6<span class=\"__14 _4e_6\"> </span>1 358<span class=\"__14 _1121\"> </span>109<span class=\"__14 _3f_8\"> </span>1 118<span class=\"__14 _1118\"> </span><span class=\"ls14_11 ws3a_5\">143<span class=\"__14 _7b_6\"> </span></span>232<span class=\"__14 _5f_6\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _1072\"/>3<span class=\"__14 _fc_7\"> </span></span>55<span class=\"__14 _1104\"> </span>12<span class=\"__14 _1072\"/>3 140   Bol\u00e5n<span class=\"__14 _1216\"> </span><span class=\"ls16_11 ws3c_5\">-29<span class=\"__14 _1147\"> </span>-2<span class=\"__14 _1120\"> </span></span>435<span class=\"__14 _a1_6\"> </span>36<span class=\"__14 _1118\"> </span><span class=\"ls14_11 ws3a_5\">146<span class=\"__14 _1104\"> </span></span>15<span class=\"__14 _1129\"> </span>45<span class=\"__14 _1130\"> </span>86<span class=\"__14 _4c_6\"> </span>20<span class=\"__14 _1136\"> </span>120 941   L\u00e5n mot s\u00e4kerhet<span class=\"__14 _15a_1\"> </span>46<span class=\"__14 _1130\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _5f_6\"> </span></span>264<span class=\"__14 _1118\"> </span>130<span class=\"__14 _1121\"> </span>203<span class=\"__14 _4c_6\"> </span>38<span class=\"__14 _1129\"> </span>50<span class=\"__14 _1113\"> </span>115<span class=\"__14 _4c_6\"> </span>44<span class=\"__14 _1106\"> </span>20 092   L\u00e5n utan s\u00e4kerhet<span class=\"__14 _15b_1\"> </span>-62<span class=\"__14 _1096\"> </span>-109<span class=\"__14 _a6_7\"> </span><span class=\"ls14_11 ws3a_5\">146<span class=\"__14 _1121\"> </span></span>250<span class=\"__14 _1120\"> </span><span class=\"ls1f_7 ws45_4\">1<span class=\"__14 _1066\"/>74<span class=\"__14 _1104\"> </span></span>19<span class=\"__14 _1147\"> </span>81<span class=\"__14 _1104\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _1136\"> </span><span class=\"ls14_11 ws3a_5\">51<span class=\"__14 _14f_2\"> </span></span></span>5 677<span class=\"__14 _1ce\"> </span>Privatkunder<span class=\"__14 _1207\"> </span>-45<span class=\"__14 _1129\"> </span>-3<span class=\"__14 _1118\"> </span>845<span class=\"__14 _fc_7\"> </span><span class=\"ls14_11 ws3a_5\">57<span class=\"__14 _1121\"> </span><span class=\"ls1a_9 ws40_5\">523<span class=\"__14 _1130\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _7b_6\"> </span></span></span>176<span class=\"__14 _1120\"> </span></span>275<span class=\"__14 _a1_6\"> </span>33<span class=\"__14 _1104\"> </span>146 710<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Offen</span><span class=\"__14 _1058\"/>tlig sektor<span class=\"__14 _1213\"> </span>8<span class=\"__14 _fc_7\"> </span>15<span class=\"__14 _1136\"> </span>39<span class=\"__14 _1130\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _b0_6\"> </span></span>3<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _b7_7\"> </span>0<span class=\"__14 _b0_6\"> </span>2<span class=\"__14 _da_6\"> </span>5<span class=\"__14 _1111\"> </span>5 266<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till allm\u00e4nheten <span class=\"__14 _7c_6\"> </span>-112<span class=\"__14 _fc_7\"> </span><span class=\"ls1b_8 ws41_5\">-4<span class=\"__14 _5a_6\"> </span><span class=\"ls16_11 ws3c_5\">2 24<span class=\"__14 _1072\"/>2<span class=\"__14 _fc_7\"> </span></span></span>81<span class=\"__14 _3d_8\"> </span>1 644<span class=\"__14 _1118\"> </span>216<span class=\"__14 _1121\"> </span>408<span class=\"__14 _a0_6\"> </span>1 020<span class=\"__14 _4c_6\"> </span>45<span class=\"__14 _1136\"> </span>275 116<span class=\"__14 _1ce\"> </span>1)   <span class=\"__14 _1069\"/>Inklusive reserveringar f<span class=\"__14 _b_13\"/>\u00f6r exponeringar utanf\u00f6r balansr\u00e4kningen.<span class=\"__14 _1ce\"> </span>2)   <span class=\"__14 _1069\"/>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar f\u00f6r kategori 3 dividera<span class=\"__14 _b_13\"/>t med exponeringar i kategori 3.<span class=\"__14 _1ce\"> </span>215<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till allm\u00e4nheten, v\u00e4rder<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ad till upplupet anskaffningsv\u00e4rde<span class=\"__14 _1ce\"> </span></span>31 dec 2021, mn euro<span class=\"__14 _1ce\"> </span>Kredit-<span class=\"__14 _1ce\"> </span>f\u00f6rlust<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>, <span class=\"__14 _1ce\">netto1<span class=\"__14 _1ce\"> </span></span>Kredit-<span class=\"__14 _1ce\"> </span>f\u00f6rlustr<span class=\"__14 _1058\"/>e-<span class=\"__14 _1ce\"> </span>lation, pkt<span class=\"__14 _1ce\"> </span>Os\u00e4kra l\u00e5neford-<span class=\"__14 _1ce\"> </span>ringar kategori 3<span class=\"__14 _1ce\"> </span>Andel os\u00e4kra fordringar<span class=\"__14 _b_13\"/>,<span class=\"__14 _1ce\"> </span>pkt<span class=\"__14 _1ce\"> </span>Summa avs\u00e4<span class=\"__14 _1058\"/>tt- ningar<span class=\"__14 _1ce\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4tt- ningar <span class=\"__14 _1069\"/> kategori 1<span class=\"__14 _1ce\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4tt- ningar <span class=\"__14 _1069\"/> <span class=\"__14 _1ce\">kategori 2<span class=\"__14 _1ce\"> </span></span>A<span class=\"__14 _b_13\"/>vs\u00e4tt- ningar <span class=\"__14 _1069\"/> <span class=\"__14 _1ce\">kategori 3<span class=\"__14 _1ce\"> </span></span>T<span class=\"__14 _1058\"/>\u00e4ck-<span class=\"__14 _1ce\"> </span>nings-<span class=\"__14 _1ce\"> </span>grad, %<span class=\"__14 _1ce\"> </span>2<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till v\u00e4rderad till upplupet an-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">skaffningsv\u00e4r</span><span class=\"__14 _1058\"/>de<span class=\"__14 _1ce\"> </span>Finansinstitut<span class=\"__14 _15c_1\"> </span>29<span class=\"__14 _1130\"> </span>22<span class=\"__14 _a1_6\"> </span>59<span class=\"__14 _a1_6\"> </span>45<span class=\"__14 _a1_6\"> </span>38<span class=\"__14 _1106\"> </span>6<span class=\"__14 _1106\"> </span>8<span class=\"__14 _a1_6\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1104\"> </span></span>41<span class=\"__14 _1155\"> </span>13 179<span class=\"__14 _1ce\"> </span>Jordbruk<span class=\"__14 _1216\"> </span>16<span class=\"__14 _1130\"> </span>37<span class=\"__14 _5f_6\"> </span>136<span class=\"__14 _5f_6\"> </span>312<span class=\"__14 _4c_6\"> </span>99<span class=\"__14 _1106\"> </span>5<span class=\"__14 _1129\"> </span>12<span class=\"__14 _a1_6\"> </span>82<span class=\"__14 _7c_6\"> </span>60<span class=\"__14 _9a_6\"> </span>4 365     Gr\u00f6dor<span class=\"__14 _b_13\"/>, odling och jakt<span class=\"__14 _a7_7\"> </span>2<span class=\"__14 _fc_7\"> </span>19<span class=\"__14 _1130\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1121\"> </span></span>238<span class=\"__14 _1130\"> </span>22<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>5<span class=\"__14 _1129\"> </span>15<span class=\"__14 _7c_6\"> </span>60<span class=\"__14 _7e_6\"> </span>1 052     Djurh\u00e5llning<span class=\"__14 _15d_1\"> </span>8<span class=\"__14 _4c_6\"> </span>99<span class=\"__14 _1121\"> </span>109<span class=\"__14 _3f_8\"> </span>1 352<span class=\"__14 _fc_7\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _b7_7\"> </span></span>1<span class=\"__14 _b0_6\"> </span>7<span class=\"__14 _4c_6\"> </span>66<span class=\"__14 _fc_7\"> </span>61<span class=\"__14 _1153\"> </span>806     Fiske och vatt<span class=\"__14 _1058\"/>enbruk<span class=\"__14 _b8_6\"> </span>6<span class=\"__14 _1130\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _da_6\"> </span></span>2<span class=\"__14 _1106\"> </span>8<span class=\"__14 _1106\"> </span>3<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>0<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _a1_6\"> </span>50<span class=\"__14 _14f_2\"> </span>2 507<span class=\"__14 _1ce\"> </span>Naturresurser<span class=\"__14 _11f_7\"> </span><span class=\"ls14_11 ws3a_5\">-15<span class=\"__14 _5f_6\"> </span></span>-50<span class=\"__14 _1118\"> </span><span class=\"ls14_11 ws3a_5\">575<span class=\"__14 _1117\"> </span></span>1 909<span class=\"__14 _1121\"> </span>353<span class=\"__14 _1106\"> </span>4<span class=\"__14 _1106\"> </span>4<span class=\"__14 _8c_6\"> </span>345<span class=\"__14 _4c_6\"> </span>60<span class=\"__14 _7e_6\"> </span>3 012      <span class=\"__14 _1067\"/>Pappers- och skogsproduk<span class=\"__14 _1058\"/>ter<span class=\"__14 _2f_8\"> </span>8<span class=\"__14 _fc_7\"> </span>41<span class=\"__14 _1130\"> </span>32<span class=\"__14 _1118\"> </span>165<span class=\"__14 _fc_7\"> </span>22<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>4<span class=\"__14 _fc_7\"> </span>16<span class=\"__14 _a1_6\"> </span>50<span class=\"__14 _14f_2\"> </span>1 942      <span class=\"__14 _1067\"/>Gruvdrift och kringverksamhet<span class=\"__14 _1165\"> </span>2<span class=\"__14 _4c_6\"> </span>56<span class=\"__14 _da_6\"> </span>3<span class=\"__14 _4c_6\"> </span>84<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _1106\"> </span>0<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _a1_6\"> </span>33<span class=\"__14 _1105\"> </span>356      <span class=\"__14 _1067\"/><span class=\"__14 _1ce\">Olje-, gas- och offshore-<span class=\"__14 _1ce\"> </span></span>verksamhet<span class=\"__14 _1085\"> </span><span class=\"ls16_11 ws3c_5\">-25<span class=\"__14 _1098\"> </span></span>-350<span class=\"__14 _8c_6\"> </span>540<span class=\"__14 _1117\"> </span>7 563<span class=\"__14 _1121\"> </span>329<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _9c_7\"> </span>0<span class=\"__14 _1121\"> </span>328<span class=\"__14 _fc_7\"> </span>61<span class=\"__14 _1093\"> </span><span class=\"ls14_11 ws3a_5\">714<span class=\"__14 _1ce\"> </span></span>Konsument dagligv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _1090\"> </span>13<span class=\"__14 _4c_6\"> </span>30<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1130\"> </span></span>39<span class=\"__14 _1130\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _9c_7\"> </span></span>4<span class=\"__14 _1136\"> </span>11<span class=\"__14 _fc_7\"> </span>10<span class=\"__14 _a1_6\"> </span>59<span class=\"__14 _9a_6\"> </span>4 37<span class=\"__14 _1072\"/>3     Livsmedel och drycker<span class=\"__14 _a7_7\"> </span>4<span class=\"__14 _1130\"> </span>33<span class=\"__14 _1106\"> </span>5<span class=\"__14 _a1_6\"> </span><span class=\"ls24_6 ws4a_3\">42<span class=\"__14 _1106\"> </span></span>9<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>3<span class=\"__14 _1106\"> </span>4<span class=\"__14 _7c_6\"> </span>80<span class=\"__14 _7e_6\"> </span>1 203      <span class=\"__14 _1067\"/>Hush\u00e5lls- och hygienproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _15e_1\"> </span>1<span class=\"__14 _fc_7\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _fc_7\"> </span></span>10<span class=\"__14 _1118\"> </span>138<span class=\"__14 _1106\"> </span>6<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _1106\"> </span>4<span class=\"__14 _7c_6\"> </span>40<span class=\"__14 _a2_6\"> </span><span class=\"ls1b_8 ws41_5\">7<span class=\"__14 _1072\"/>23</span>     H\u00e4lsov\u00e5rd<span class=\"__14 _1166\"> </span>8<span class=\"__14 _a1_6\"> </span>33<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>8<span class=\"__14 _1130\"> </span>10<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _da_6\"> </span>7<span class=\"__14 _b0_6\"> </span>2<span class=\"__14 _1121\"> </span>100<span class=\"__14 _9a_6\"> </span>2 447<span class=\"__14 _1ce\"> </span>Konsument s\u00e4llank<span class=\"__14 _b_13\"/>\u00f6p  och tj\u00e4nster<span class=\"__14 _15f\"> </span>-81<span class=\"__14 _a6_7\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _1072\"/>7<span class=\"__14 _1118\"> </span></span>263<span class=\"__14 _5f_6\"> </span><span class=\"ls14_11 ws3a_5\">251<span class=\"__14 _1118\"> </span></span>232<span class=\"__14 _1136\"> </span>11<span class=\"__14 _1130\"> </span>55<span class=\"__14 _1121\"> </span>166<span class=\"__14 _a1_6\"> </span>63<span class=\"__14 _b0_6\"> </span>10 482     Konsumentk<span class=\"__14 _1058\"/>apitalvar<span class=\"__14 _b_13\"/>or<span class=\"__14 _1101\"> </span>6<span class=\"__14 _a1_6\"> </span>26<span class=\"__14 _a1_6\"> </span>30<span class=\"__14 _1118\"> </span>130<span class=\"__14 _1129\"> </span>21<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>6<span class=\"__14 _fc_7\"> </span>13<span class=\"__14 _a1_6\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _7e_6\"> </span></span>2 301     Media och underh\u00e5llning<span class=\"__14 _b7_7\"> </span>6<span class=\"__14 _a1_6\"> </span>39<span class=\"__14 _fc_7\"> </span>18<span class=\"__14 _1120\"> </span>118<span class=\"__14 _fc_7\"> </span>19<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _9c_7\"> </span>8<span class=\"__14 _fc_7\"> </span>10<span class=\"__14 _a1_6\"> </span>56<span class=\"__14 _7e_6\"> </span>1 520     Detaljhandel<span class=\"__14 _1217\"> </span><span class=\"ls1f_7 ws45_4\">-74<span class=\"__14 _1154\"> </span></span>-181<span class=\"__14 _5f_6\"> </span><span class=\"ls14_11 ws3a_5\">178<span class=\"__14 _1121\"> </span></span>435<span class=\"__14 _1121\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>0<span class=\"__14 _da_6\"> </span></span>5<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1120\"> </span></span>118<span class=\"__14 _4c_6\"> </span>66<span class=\"__14 _1102\"> </span>4 090     Flygre<span class=\"__14 _1058\"/>sor<span class=\"__14 _1218\"> </span>6<span class=\"__14 _7b_6\"> </span>311<span class=\"__14 _da_6\"> </span>5<span class=\"__14 _1121\"> </span>259<span class=\"__14 _1106\"> </span>5<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _7c_6\"> </span>40<span class=\"__14 _a3_6\"> </span>193     Logi och fritid<span class=\"__14 _2f_8\"> </span><span class=\"ls16_11 ws3c_5\">-25<span class=\"__14 _8f_6\"> </span><span class=\"ls14_11 ws3a_5\">-145<span class=\"__14 _1130\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1118\"> </span></span>14<span class=\"__14 _1072\"/>5<span class=\"__14 _4c_6\"> </span></span></span>40<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1130\"> </span>22<span class=\"__14 _fc_7\"> </span>16<span class=\"__14 _4c_6\"> </span><span class=\"ls21_7 ws47_3\">64<span class=\"__14 _7e_6\"> </span></span>1 726     <span class=\"__14 _1058\"/>T<span class=\"__14 _1c_10\"/>elekomtj\u00e4nster<span class=\"__14 _4a_6\"> </span>0<span class=\"__14 _1106\"> </span>0<span class=\"__14 _da_6\"> </span>7<span class=\"__14 _5f_6\"> </span>107<span class=\"__14 _da_6\"> </span>7<span class=\"__14 _1106\"> </span>0<span class=\"__14 _9c_7\"> </span>0<span class=\"__14 _b0_6\"> </span>7<span class=\"__14 _1121\"> </span>100<span class=\"__14 _1105\"> </span>652<span class=\"__14 _1ce\"> </span>Industri<span class=\"__14 _12f_4\"> </span>32<span class=\"__14 _1136\"> </span>11<span class=\"__14 _8c_6\"> </span>682<span class=\"__14 _1121\"> </span>228<span class=\"__14 _1154\"> </span>460<span class=\"__14 _fc_7\"> </span>41<span class=\"__14 _a1_6\"> </span>95<span class=\"__14 _1121\"> </span><span class=\"ls16_11 ws3c_5\">3<span class=\"__14 _1072\"/>24<span class=\"__14 _4c_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _da_6\"> </span></span></span>29 901     R\u00e5v<span class=\"__14 _1058\"/>aror<span class=\"__14 _1160\"> </span>35<span class=\"__14 _1121\"> </span>184<span class=\"__14 _a1_6\"> </span>59<span class=\"__14 _7b_6\"> </span>311<span class=\"__14 _a1_6\"> </span>38<span class=\"__14 _da_6\"> </span>3<span class=\"__14 _1106\"> </span>5<span class=\"__14 _a1_6\"> </span>30<span class=\"__14 _1104\"> </span><span class=\"ls14_11 ws3a_5\">51<span class=\"__14 _9a_6\"> </span></span>1 899     Kapitalv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _11f_7\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _a6_7\"> </span><span class=\"ls14_11 ws3a_5\">-19<span class=\"__14 _5f_6\"> </span><span class=\"ls16_11 ws3c_5\">1<span class=\"__14 _1072\"/>24<span class=\"__14 _1121\"> </span></span></span></span>343<span class=\"__14 _fc_7\"> </span><span class=\"ls1b_8 ws41_5\">77<span class=\"__14 _1106\"> </span></span>3<span class=\"__14 _fc_7\"> </span>16<span class=\"__14 _a1_6\"> </span>58<span class=\"__14 _1130\"> </span>47<span class=\"__14 _14f_2\"> </span>3 610     Producenttj\u00e4ns<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1219\"> </span>18<span class=\"__14 _1130\"> </span>35<span class=\"__14 _7c_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _4c_6\"> </span></span>94<span class=\"__14 _7c_6\"> </span>49<span class=\"__14 _b0_6\"> </span>7<span class=\"__14 _1104\"> </span>15<span class=\"__14 _fc_7\"> </span>27<span class=\"__14 _a1_6\"> </span>56<span class=\"__14 _e2_6\"> </span>5 131     Byggindustri<span class=\"__14 _1217\"> </span><span class=\"ls14_11 ws3a_5\">-19<span class=\"__14 _7b_6\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1072\"/>2<span class=\"__14 _8c_6\"> </span></span></span>200<span class=\"__14 _1118\"> </span>233<span class=\"__14 _1118\"> </span><span class=\"ls14_11 ws3a_5\">144<span class=\"__14 _1104\"> </span></span>13<span class=\"__14 _4c_6\"> </span>30<span class=\"__14 _1120\"> </span>101<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">51<span class=\"__14 _9a_6\"> </span></span>8 578     Partihandel<span class=\"__14 _11f_7\"> </span>29<span class=\"__14 _7c_6\"> </span>49<span class=\"__14 _fc_7\"> </span><span class=\"ls1b_8 ws41_5\">77<span class=\"__14 _a6_7\"> </span></span>131<span class=\"__14 _a1_6\"> </span>67<span class=\"__14 _b0_6\"> </span>7<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _a1_6\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _a1_6\"> </span></span></span>56<span class=\"__14 _a4_6\"> </span>5 896     Marktransport<span class=\"__14 _15e_1\"> </span><span class=\"ls14_11 ws3a_5\">-1<span class=\"__14 _1072\"/>5<span class=\"__14 _1120\"> </span></span>-5<span class=\"__14 _1072\"/>2<span class=\"__14 _1121\"> </span>106<span class=\"__14 _1121\"> </span>370<span class=\"__14 _a1_6\"> </span>58<span class=\"__14 _1106\"> </span>4<span class=\"__14 _1106\"> </span>6<span class=\"__14 _7c_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _4c_6\"> </span></span>45<span class=\"__14 _9a_6\"> </span>2 862     IT<span class=\"__14 _b_13\"/>-tj\u00e4nster<span class=\"__14 _10a_6\"> </span>-9<span class=\"__14 _1120\"> </span>-47<span class=\"__14 _4c_6\"> </span>68<span class=\"__14 _1121\"> </span>353<span class=\"__14 _fc_7\"> </span>27<span class=\"__14 _1106\"> </span>4<span class=\"__14 _1106\"> </span>6<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1130\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _14f_2\"> </span></span></span>1 92<span class=\"__14 _1072\"/>5<span class=\"__14 _1ce\"> </span>Sj\u00f6fart<span class=\"__14 _1173\"> </span><span class=\"ls14_11 ws3a_5\">-12<span class=\"__14 _a6_7\"> </span>-18<span class=\"__14 _1121\"> </span></span>505<span class=\"__14 _8c_6\"> </span><span class=\"ls14_11 ws3a_5\">76<span class=\"__14 _1072\"/>8<span class=\"__14 _1118\"> </span></span>166<span class=\"__14 _da_6\"> </span>7<span class=\"__14 _da_6\"> </span>7<span class=\"__14 _5f_6\"> </span>15<span class=\"__14 _1072\"/>2<span class=\"__14 _4c_6\"> </span>30<span class=\"__14 _9a_6\"> </span><span class=\"ls14_11 ws3a_5\">6 576</span>     V<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>vsindustri<span class=\"__14 _1220\"> </span>4<span class=\"__14 _1118\"> </span>159<span class=\"__14 _1106\"> </span>0<span class=\"__14 _9c_7\"> </span>0<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>0<span class=\"__14 _1106\"> </span>0<span class=\"__14 _9c_7\"> </span>0<span class=\"__14 _a2_6\"> </span><span class=\"ls1a_9 ws40_5\">252</span>     Sj\u00f6transport<span class=\"__14 _1213\"> </span><span class=\"ls14_11 ws3a_5\">-17<span class=\"__14 _1120\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1072\"/>9<span class=\"__14 _1121\"> </span></span></span>505<span class=\"__14 _8c_6\"> </span>862<span class=\"__14 _1118\"> </span>163<span class=\"__14 _da_6\"> </span>5<span class=\"__14 _da_6\"> </span>7<span class=\"__14 _a6_7\"> </span><span class=\"ls14_11 ws3a_5\">151<span class=\"__14 _a1_6\"> </span></span>30<span class=\"__14 _14f_2\"> </span>5 85<span class=\"__14 _1058\"/>7     Sj\u00f6fartstj\u00e4ns<span class=\"__14 _1058\"/>ter<span class=\"__14 _1114\"> </span>1<span class=\"__14 _1104\"> </span>21<span class=\"__14 _1ce\"> </span>0<span class=\"__14 _1106\"> </span>0<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _1106\"> </span>0<span class=\"__14 _9c_7\"> </span>0<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _1106\"> </span>0<span class=\"__14 _a7_7\"> </span>467<span class=\"__14 _1ce\"> </span>Samh\u00e4llsnyttiga tj\u00e4nster<span class=\"__14 _be_7\"> </span><span class=\"ls14_11 ws3a_5\">-11<span class=\"__14 _1113\"> </span>-14<span class=\"__14 _a1_6\"> </span></span>45<span class=\"__14 _a1_6\"> </span>58<span class=\"__14 _4c_6\"> </span>40<span class=\"__14 _1106\"> </span>4<span class=\"__14 _da_6\"> </span>7<span class=\"__14 _a1_6\"> </span>29<span class=\"__14 _4c_6\"> </span><span class=\"ls21_7 ws47_3\">64<span class=\"__14 _14f_2\"> </span></span>7 705     El, vatten och gas<span class=\"__14 _1221\"> </span>-6<span class=\"__14 _a6_7\"> </span><span class=\"ls14_11 ws3a_5\">-16<span class=\"__14 _1130\"> </span></span>29<span class=\"__14 _a1_6\"> </span><span class=\"ls1d_8 ws43_5\">79<span class=\"__14 _a1_6\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _b0_6\"> </span></span></span>2<span class=\"__14 _1106\"> </span>5<span class=\"__14 _1136\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _4c_6\"> </span></span>59<span class=\"__14 _14f_2\"> </span>3 661     Kraftproduk<span class=\"__14 _b_13\"/>tion<span class=\"__14 _1214\"> </span>2<span class=\"__14 _1106\"> </span>6<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _da_6\"> </span>3<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>0<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _1121\"> </span>100<span class=\"__14 _9a_6\"> </span>3 345     Allm\u00e4nnyttiga f<span class=\"__14 _b_13\"/>\u00f6retag<span class=\"__14 _6c_6\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _1149\"> </span></span>-<span class=\"__14 _1058\"/>100<span class=\"__14 _1104\"> </span>15<span class=\"__14 _5f_6\"> </span>215<span class=\"__14 _fc_7\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _b0_6\"> </span></span>2<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _1136\"> </span>11<span class=\"__14 _fc_7\"> </span><span class=\"ls20_7 ws46_4\">73<span class=\"__14 _1153\"> </span></span>699<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _b_13\"/>astighetsbolag<span class=\"__14 _1222\"> </span>-44<span class=\"__14 _1113\"> </span><span class=\"ls14_11 ws3a_5\">-1<span class=\"__14 _1072\"/>2<span class=\"__14 _1118\"> </span></span>182<span class=\"__14 _a1_6\"> </span>50<span class=\"__14 _1118\"> </span>183<span class=\"__14 _1130\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _a1_6\"> </span><span class=\"ls24_6 ws4a_3\">42<span class=\"__14 _a6_7\"> </span><span class=\"ls14_11 ws3a_5\">117<span class=\"__14 _4c_6\"> </span><span class=\"ls21_7 ws47_3\">64<span class=\"__14 _1106\"> </span></span></span></span></span>36 692<span class=\"__14 _1ce\"> </span>\u00d6vriga branscher<span class=\"__14 _1217\"> </span>0<span class=\"__14 _9c_7\"> </span>0<span class=\"__14 _1106\"> </span>8<span class=\"__14 _1118\"> </span>128<span class=\"__14 _1106\"> </span>6<span class=\"__14 _da_6\"> </span>5<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _1106\"> </span>0<span class=\"__14 _1106\"> </span>0<span class=\"__14 _a7_7\"> </span>625<span class=\"__14 _1ce\"> </span>Summa f\u00f6retagsk<span class=\"__14 _b_13\"/>under<span class=\"__14 _1101\"> </span><span class=\"ls22_6 ws48_3\">-7<span class=\"__14 _1072\"/>3<span class=\"__14 _1129\"> </span></span>-6<span class=\"__14 _1223\"> </span>2 472<span class=\"__14 _7b_6\"> </span>211<span class=\"__14 _1223\"> </span>1 602<span class=\"__14 _1113\"> </span>111<span class=\"__14 _1121\"> </span><span class=\"ls16_11 ws3c_5\">242<span class=\"__14 _a0_6\"> </span></span>1 249<span class=\"__14 _fc_7\"> </span><span class=\"ls14_11 ws3a_5\">51<span class=\"__14 _1129\"> </span></span>116 910   Bol\u00e5n<span class=\"__14 _1224\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _1072\"/>2<span class=\"__14 _1129\"> </span></span>-6<span class=\"__14 _1118\"> </span>477<span class=\"__14 _a1_6\"> </span>39<span class=\"__14 _1120\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>1<span class=\"__14 _1104\"> </span></span>15<span class=\"__14 _a1_6\"> </span>38<span class=\"__14 _7c_6\"> </span>88<span class=\"__14 _fc_7\"> </span>18<span class=\"__14 _1104\"> </span>122 984   L\u00e5n mot s\u00e4kerhet<span class=\"__14 _1145\"> </span>27<span class=\"__14 _fc_7\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1118\"> </span></span>310<span class=\"__14 _1118\"> </span>166<span class=\"__14 _1121\"> </span>256<span class=\"__14 _a1_6\"> </span>47<span class=\"__14 _4c_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _5f_6\"> </span></span>161<span class=\"__14 _1130\"> </span><span class=\"ls1a_9 ws40_5\">52<span class=\"__14 _b7_7\"> </span></span>18 632   L\u00e5n utan s\u00e4kerhet<span class=\"__14 _1164\"> </span>4<span class=\"__14 _9c_7\"> </span>6<span class=\"__14 _5f_6\"> </span>219<span class=\"__14 _1121\"> </span>32<span class=\"__14 _1072\"/>3<span class=\"__14 _1121\"> </span>202<span class=\"__14 _1104\"> </span>21<span class=\"__14 _1129\"> </span>71<span class=\"__14 _1120\"> </span>110<span class=\"__14 _a1_6\"> </span>50<span class=\"__14 _9a_6\"> </span>6 779<span class=\"__14 _1ce\"> </span>Privatkunder<span class=\"__14 _11f_7\"> </span>-<span class=\"__14 _1072\"/>41<span class=\"__14 _1129\"> </span>-3<span class=\"__14 _3d_8\"> </span>1 006<span class=\"__14 _7c_6\"> </span>68<span class=\"__14 _8c_6\"> </span>599<span class=\"__14 _4c_6\"> </span>83<span class=\"__14 _5f_6\"> </span><span class=\"ls14_11 ws3a_5\">157<span class=\"__14 _1121\"> </span></span>359<span class=\"__14 _4c_6\"> </span>36<span class=\"__14 _a1_6\"> </span>148 395<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Offen</span><span class=\"__14 _1058\"/>tlig sektor<span class=\"__14 _1225\"> </span><span class=\"ls1b_8 ws41_5\">-4<span class=\"__14 _1104\"> </span></span>-9<span class=\"__14 _4c_6\"> </span>34<span class=\"__14 _1130\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _b0_6\"> </span></span>2<span class=\"__14 _1106\"> </span>0<span class=\"__14 _9c_7\"> </span>0<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>6<span class=\"__14 _1102\"> </span>4 569<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till allm\u00e4nheten <span class=\"__14 _fc_7\"> </span>-118<span class=\"__14 _1104\"> </span><span class=\"ls1b_8 ws41_5\">-4<span class=\"__14 _8b_6\"> </span></span>3 512<span class=\"__14 _1121\"> </span>130<span class=\"__14 _1223\"> </span>2 203<span class=\"__14 _1121\"> </span>194<span class=\"__14 _8c_6\"> </span>399<span class=\"__14 _a0_6\"> </span>1 610<span class=\"__14 _7c_6\"> </span>46<span class=\"__14 _a1_6\"> </span>269 87<span class=\"__14 _b_13\"/>4<span class=\"__14 _1ce\"> </span>1)  Inklusive reserveringar f\u00f6r e<span class=\"__14 _b_13\"/>xponeringar utanf\u00f6r balansr\u00e4kningen.<span class=\"__14 _1ce\"> </span>2)   <span class=\"__14 _1069\"/>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar f\u00f6r kategori 3 dividera<span class=\"__14 _b_13\"/>t med exponeringar i kategori 3<span class=\"__14 _1ce\"> </span>.<span class=\"__14 _1ce\"> </span>216<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till allm\u00e4nheten, v\u00e4rder<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ad till upplupet anskaffningsv\u00e4rde, geogr</span><span class=\"__14 _b_13\"/>a\ufb01sk f\u00f6rdelning<span class=\"__14 _1ce\"> </span>1<span class=\"__14 _1ce\"> </span>Brutto<span class=\"__14 _b3_6\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>31 dec 2022, mn euro<span class=\"__14 _1222\"> </span>Ka<span class=\"__14 _1058\"/>tegori 1<span class=\"__14 _1154\"> </span>Kategori 2<span class=\"__14 _1115\"> </span>Kategori 3<span class=\"__14 _8c_6\"> </span>Kategori 1<span class=\"__14 _1154\"> </span>Kategori 2<span class=\"__14 _1115\"> </span>Kategori 3<span class=\"__14 _14f_2\"> </span>Netto<span class=\"__14 _1ce\"> </span>Danmark<span class=\"__14 _5e_6\"> </span>23 868<span class=\"__14 _9a_6\"> </span>1 668<span class=\"__14 _a3_6\"> </span>531<span class=\"__14 _1087\"> </span><span class=\"ls1a_9 ws40_5\">52<span class=\"__14 _a2_6\"> </span></span>139<span class=\"__14 _a2_6\"> </span>287<span class=\"__14 _1106\"> </span>25 589<span class=\"__14 _1ce\"> </span>Finland<span class=\"__14 _bd_7\"> </span>62 330<span class=\"__14 _9a_6\"> </span>5 657<span class=\"__14 _1105\"> </span>955<span class=\"__14 _1226\"> </span>39<span class=\"__14 _1093\"> </span>125<span class=\"__14 _6c_6\"> </span>384<span class=\"__14 _9c_7\"> </span>68 394<span class=\"__14 _1ce\"> </span>Norge<span class=\"__14 _1177\"> </span>65 440<span class=\"__14 _9a_6\"> </span>2 933<span class=\"__14 _a2_6\"> </span>329<span class=\"__14 _16a\"> </span>68<span class=\"__14 _1226\"> </span>67<span class=\"__14 _a3_6\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>3<span class=\"__14 _9c_7\"> </span></span>68 4<span class=\"__14 _1072\"/>24<span class=\"__14 _1ce\"> </span>Sverige<span class=\"__14 _16b\"> </span>96 085<span class=\"__14 _a4_6\"> </span>2 086<span class=\"__14 _1093\"> </span>312<span class=\"__14 _1226\"> </span><span class=\"ls24_6 ws4a_3\">42<span class=\"__14 _b8_6\"> </span></span>71<span class=\"__14 _1093\"> </span><span class=\"ls14_11 ws3a_5\">147<span class=\"__14 _da_6\"> </span></span>98 223<span class=\"__14 _1ce\"> </span>USA<span class=\"__14 _fa_6\"> </span><span class=\"ls0_14 ws0_14\">1 197<span class=\"__14 _1226\"> </span>66<span class=\"__14 _1128\"> </span>2<span class=\"__14 _7a_6\"> </span>1<span class=\"__14 _1128\"> </span>0<span class=\"__14 _7a_6\"> </span>1<span class=\"__14 _7e_6\"> </span>1 263<span class=\"__14 _1ce\"> </span></span>\u00d6vrigt<span class=\"__14 _16c\"> </span>12 820<span class=\"__14 _6c_6\"> </span>368<span class=\"__14 _2a_8\"> </span>113<span class=\"__14 _1087\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1128\"> </span></span>6<span class=\"__14 _16d\"> </span>58<span class=\"__14 _aa_6\"> </span>13 22<span class=\"__14 _1072\"/>3<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1116\"> </span>261 7<span class=\"__14 _1058\"/>40<span class=\"__14 _b7_7\"> </span>12 778<span class=\"__14 _9a_6\"> </span><span class=\"ls16_11 ws3c_5\">2<span class=\"__14 _1072\"/> 24<span class=\"__14 _1072\"/>2<span class=\"__14 _a3_6\"> </span></span>216<span class=\"__14 _1153\"> </span>408<span class=\"__14 _9a_6\"> </span>1 020<span class=\"__14 _1136\"> </span>275 116<span class=\"__14 _1ce\"> </span>Brutto<span class=\"__14 _b3_6\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>31 dec 2021, mn euro<span class=\"__14 _1103\"> </span>Ka<span class=\"__14 _b_13\"/>tegori 1<span class=\"__14 _8c_6\"> </span>Ka<span class=\"__14 _b_13\"/>tegori 2<span class=\"__14 _8c_6\"> </span>Ka<span class=\"__14 _b_13\"/>tegori 3<span class=\"__14 _8c_6\"> </span>Kategori 1<span class=\"__14 _1154\"> </span>Kategori 2<span class=\"__14 _1154\"> </span>Kategori 3<span class=\"__14 _14f_2\"> </span>Netto<span class=\"__14 _1ce\"> </span>Danmark<span class=\"__14 _1095\"> </span>20 486<span class=\"__14 _14f_2\"> </span>1 478<span class=\"__14 _1105\"> </span>595<span class=\"__14 _16d\"> </span>44<span class=\"__14 _1092\"> </span><span class=\"ls14_11 ws3a_5\">151<span class=\"__14 _a3_6\"> </span></span>381<span class=\"__14 _b7_7\"> </span>21 983<span class=\"__14 _1ce\"> </span>Finland<span class=\"__14 _16e\"> </span>60 652<span class=\"__14 _1111\"> </span>5 878<span class=\"__14 _14f_2\"> </span>1 054<span class=\"__14 _16d\"> </span>30<span class=\"__14 _12c_4\"> </span>118<span class=\"__14 _1105\"> </span>4<span class=\"__14 _1072\"/>37<span class=\"__14 _8d_6\"> </span>66 999<span class=\"__14 _1ce\"> </span>Norge<span class=\"__14 _16c\"> </span>66 21<span class=\"__14 _1058\"/>4<span class=\"__14 _9a_6\"> </span>2 704<span class=\"__14 _6c_6\"> </span>84<span class=\"__14 _1072\"/>2<span class=\"__14 _1226\"> </span>82<span class=\"__14 _16f\"> </span>67<span class=\"__14 _1105\"> </span>302<span class=\"__14 _8d_6\"> </span>69 309<span class=\"__14 _1ce\"> </span>Sverige<span class=\"__14 _16e\"> </span>94 266<span class=\"__14 _1111\"> </span>2 260<span class=\"__14 _a3_6\"> </span>316<span class=\"__14 _1226\"> </span>28<span class=\"__14 _16f\"> </span>53<span class=\"__14 _1093\"> </span>123<span class=\"__14 _9c_7\"> </span>96 638<span class=\"__14 _1ce\"> </span>USA<span class=\"__14 _6e_6\"> </span><span class=\"ls0_14 ws0_14\">1 892<span class=\"__14 _1128\"> </span>2<span class=\"__14 _1128\"> </span>3<span class=\"__14 _7a_6\"> </span>1<span class=\"__14 _1227\"> </span>1<span class=\"__14 _1227\"> </span>1<span class=\"__14 _1111\"> </span>1 894<span class=\"__14 _1ce\"> </span></span>\u00d6vrigt<span class=\"__14 _1228\"> </span>12 322<span class=\"__14 _12c_4\"> </span>411<span class=\"__14 _a2_6\"> </span>702<span class=\"__14 _1229\"> </span>9<span class=\"__14 _1229\"> </span>9<span class=\"__14 _a7_7\"> </span>366<span class=\"__14 _1156\"> </span>13 051<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1201\"> </span>255 832<span class=\"__14 _aa_6\"> </span>12 733<span class=\"__14 _7e_6\"> </span>3 512<span class=\"__14 _1105\"> </span>194<span class=\"__14 _a7_7\"> </span>399<span class=\"__14 _14f_2\"> </span>1 610<span class=\"__14 _4c_6\"> </span>269 874<span class=\"__14 _1ce\"> </span>1)  Baserat p\u00e5 landet d\u00e4r kunden har sin hemvis<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>.<span class=\"__14 _1ce\"> </span>2.<span class=\"__14 _b_13\"/>13 Geogra\ufb01sk f<span class=\"__14 _b_13\"/>\u00f6rdelning<span class=\"__14 _1ce\"> </span> Portf\u00f6ljen har en god geogr<span class=\"__14 _b_13\"/>a\ufb01sk f\u00f6rdelning, och inget land<span class=\"__14 _1ce\"> </span> svarar f<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">\u00f6r mer \u00e4n 36 procent a</span><span class=\"__14 _b_13\"/>v utl\u00e5ningen, utifr\u00e5n var den<span class=\"__14 _1ce\"> </span> kundansvariga enhet<span class=\"__14 _1058\"/>en \u00e4r bel\u00e4gen. \u00d6vriga EU-l\u00e4nder utg\u00f6r<span class=\"__14 _1ce\"> </span> den st\u00f6rsta delen a<span class=\"__14 _b_13\"/>v utl\u00e5ningen utanf<span class=\"__14 _1058\"/>\u00f6r Norden. Kunder i<span class=\"__14 _1ce\"> </span> Norden st\u00e5r f<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">\u00f6r 95 procent (94 proc</span><span class=\"__14 _b_13\"/>ent) av Nordeas utl\u00e5ning<span class=\"__14 _1ce\"> </span> till allm\u00e4nheten, utifr\u00e5n en f<span class=\"__14 _b_13\"/>\u00f6rdelning efter l\u00e5ntagarnas<span class=\"__14 _1ce\"> </span>  hemvist. 2.<span class=\"__14 _b_13\"/>14 Kundklassi\ufb01c<span class=\"__14 _1058\"/>ering<span class=\"__14 _1ce\"> </span> Ett s\u00e4tt att bed\u00f6ma kr<span class=\"__14 _1058\"/>editkvaliteten \u00e4r a<span class=\"__14 _b_13\"/>tt analysera f\u00f6r<span class=\"__14 _b_13\"/>del-<span class=\"__14 _1ce\"> </span>ningen mellan ratingklasserna f<span class=\"__14 _b_13\"/>\u00f6r f\u00f6retagsk<span class=\"__14 _b_13\"/>under och institut<span class=\"__14 _1ce\"> </span> med rating, och mellan riskklasserna f<span class=\"__14 _b_13\"/>\u00f6r privatkunder och<span class=\"__14 _1ce\"> </span> sm\u00e5 f\u00f6r<span class=\"__14 _1058\"/>etagskunder med scoring, dvs. hush\u00e5llsportf<span class=\"__14 _b_13\"/>\u00f6ljen. Den<span class=\"__14 _1ce\"> </span> genomsnittliga kreditkvalitet<span class=\"__14 _b_13\"/>en var stabil under 2022 i b\u00e5de<span class=\"__14 _1ce\"> </span> f\u00f6r<span class=\"__14 _1058\"/>etagsportf\u00f6ljen och priva<span class=\"__14 _b_13\"/>tpor<span class=\"__14 _1072\"/>tf\u00f6ljen. I fr<span class=\"__14 _b_13\"/>\u00e5ga om exponering<span class=\"__14 _1ce\"> </span> omf<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">attades 17 procen</span><span class=\"__14 _b_13\"/>t (34 procent) a<span class=\"__14 _1058\"/>v f\u00f6r<span class=\"__14 _1058\"/>etagsportf\u00f6ljen a<span class=\"__14 _b_13\"/>v<span class=\"__14 _1ce\"> </span> h\u00f6gre ra<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ting och 12 procen</span><span class=\"__14 _b_13\"/>t (19 procent) a<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">v l\u00e4gre. 92 procen</span><span class=\"__14 _b_13\"/>t<span class=\"__14 _1ce\"> </span> (89 procen<span class=\"__14 _b_13\"/>t) av utl\u00e5ningen till f\u00f6ret<span class=\"__14 _1058\"/>ag l\u00e5g i ratingklass 4\u2013<span class=\"__14 _1ce\"> </span> eller h\u00f6gre, med en genomsnittlig ra<span class=\"__14 _b_13\"/>ting p\u00e5 5\u2013.<span class=\"__14 _1ce\"> </span>Institut och priva<span class=\"__14 _b_13\"/>tkunder \u00e5terfanns huvudsakligen i de s\u00e4k<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">rare riskklasserna. 94 pr</span><span class=\"__14 _b_13\"/>ocent (94 procen<span class=\"__14 _1058\"/>t) av priv<span class=\"__14 _b_13\"/>atkundsex<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>poneringen \u00e5terfanns i riskklass C<span class=\"__14 _1c_10\"/>\u2013 eller h\u00f6gre, d\u00e4r sannolik-<span class=\"__14 _1ce\"> </span>heten f\u00f6r f<span class=\"__14 _b_13\"/>allissemang \u00e4r 1 procent eller l\u00e4gr<span class=\"__14 _b_13\"/>e. De samman-<span class=\"__14 _1ce\"> </span>tagna f\u00f6r<span class=\"__14 _b_13\"/>\u00e4ndringarna i kreditkvaliteten medf<span class=\"__14 _b_13\"/>\u00f6rde en \u00f6kning<span class=\"__14 _1ce\"> </span> av risk<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">exponeringsbeloppet (REA) med cirka 0,24 proc</span><span class=\"__14 _b_13\"/>ent<span class=\"__14 _1ce\"> </span> under 2022.<span class=\"__14 _1ce\"> </span>217<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>Ratinginf<span class=\"__14 _b_13\"/>ormation f\u00f6r l\u00e5n v<span class=\"__14 _1058\"/>\u00e4rderade till uppl<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">upet anskaffningsv</span><span class=\"__14 _b_13\"/>\u00e4rde <span class=\"__14 _7d_7\"> </span> <span class=\"__14 _b7_7\"> </span> <span class=\"__14 _b7_7\"> </span> Mn euro  <span class=\"__14 _1ce\">Rating klass1<span class=\"__14 _1ce\"> </span></span>Genomsnittligt <span class=\"__14 _1069\"/> <span class=\"__14 _1ce\">PD2 (%)<span class=\"__14 _1ce\"> </span></span>Redovisat v<span class=\"__14 _b_13\"/>\u00e4rde f\u00f6re reserver<span class=\"__14 _b_13\"/>, 31 dec 2022<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _5a_6\"> </span>Kategori 2<span class=\"__14 _5a_6\"> </span>Kategori 3<span class=\"__14 _1130\"> </span>Summa<span class=\"__14 _1124\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>7<span class=\"__14 _1230\"> </span>0,00<span class=\"__14 _da_6\"> </span>4 994<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b7_7\"> </span>4 997<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1ce\"> </span>6<span class=\"__14 _1230\"> </span>0,02<span class=\"__14 _1129\"> </span>18 465<span class=\"__14 _a3_6\"> </span>36<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1147\"> </span>18 501<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1ce\"> </span>5<span class=\"__14 _1230\"> </span>0,09<span class=\"__14 _1136\"> </span>40 175<span class=\"__14 _be_7\"> </span>165<span class=\"__14 _1086\"> </span>2<span class=\"__14 _fc_7\"> </span>40 343<span class=\"__14 _1093\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1ce\"> </span></span>4<span class=\"__14 _1231\"> </span>0,31<span class=\"__14 _1148\"> </span>48 711<span class=\"__14 _4b_6\"> </span>931<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1130\"> </span>49 6<span class=\"__14 _1072\"/>42<span class=\"__14 _1093\"> </span>70<span class=\"__14 _1ce\"> </span>3<span class=\"__14 _1232\"> </span>3,20<span class=\"__14 _1155\"> </span>7 194<span class=\"__14 _1156\"> </span>1 780<span class=\"__14 _2a_8\"> </span>15<span class=\"__14 _1106\"> </span>8 989<span class=\"__14 _a3_6\"> </span>90<span class=\"__14 _1ce\"> </span>2<span class=\"__14 _1233\"> </span>19,45<span class=\"__14 _8e_6\"> </span><span class=\"ls14_11 ws3a_5\">177<span class=\"__14 _1109\"> </span></span>1 165<span class=\"__14 _2a_8\"> </span>15<span class=\"__14 _1152\"> </span>1 357<span class=\"__14 _a3_6\"> </span>58<span class=\"__14 _1ce\"> </span>1<span class=\"__14 _1234\"> </span>62,60<span class=\"__14 _1152\"> </span>1 102<span class=\"__14 _9b_6\"> </span>1 535<span class=\"__14 _1093\"> </span>35<span class=\"__14 _1156\"> </span>2 67<span class=\"__14 _1072\"/>2<span class=\"__14 _a3_6\"> </span>93<span class=\"__14 _1ce\"> </span>Standardmetoden/Utan r<span class=\"__14 _1058\"/>ating<span class=\"__14 _8a_6\"> </span>0,06<span class=\"__14 _8d_6\"> </span>13 170<span class=\"__14 _a4_6\"> </span>1 119<span class=\"__14 _c3_6\"> </span>254<span class=\"__14 _1147\"> </span>1<span class=\"__14 _b_13\"/>4 54<span class=\"__14 _1072\"/>2<span class=\"__14 _be_7\"> </span>166<span class=\"__14 _1ce\"> </span>0 (fallerade<span class=\"__14 _b_13\"/>)<span class=\"__14 _1235\"> </span>100,00<span class=\"__14 _a3_6\"> </span>45<span class=\"__14 _12c_4\"> </span>32<span class=\"__14 _1152\"> </span>1 210<span class=\"__14 _1152\"> </span>1 287<span class=\"__14 _b5_7\"> </span><span class=\"ls1e_7 ws44_4\">7<span class=\"__14 _1072\"/>25<span class=\"__14 _1ce\"> </span></span>Summa<span class=\"__14 _1236\"> </span>134 033<span class=\"__14 _b0_6\"> </span>6 766<span class=\"__14 _1152\"> </span>1 531<span class=\"__14 _1120\"> </span>142 330<span class=\"__14 _1155\"> </span>1 228<span class=\"__14 _1ce\"> </span>Mn euro  <span class=\"__14 _1ce\">Rating klass1<span class=\"__14 _1ce\"> </span></span>Genomsnittligt <span class=\"__14 _1069\"/> <span class=\"__14 _1ce\">PD2 (%)<span class=\"__14 _1ce\"> </span></span>Redovisat v<span class=\"__14 _b_13\"/>\u00e4rde f\u00f6re reserver<span class=\"__14 _b_13\"/>, 31 dec 2021<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _5a_6\"> </span>Kategori 2<span class=\"__14 _5a_6\"> </span>Kategori 3<span class=\"__14 _1130\"> </span>Summa<span class=\"__14 _1124\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>7<span class=\"__14 _1230\"> </span>0,00<span class=\"__14 _b7_7\"> </span>4 228<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b7_7\"> </span>4 230<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1ce\"> </span>6<span class=\"__14 _1232\"> </span>0,01<span class=\"__14 _1147\"> </span>17 558<span class=\"__14 _12c_4\"> </span>10<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1136\"> </span>17 568<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1ce\"> </span>5<span class=\"__14 _1230\"> </span>0,05<span class=\"__14 _1136\"> </span>33 730<span class=\"__14 _4b_6\"> </span>218<span class=\"__14 _1087\"> </span>0<span class=\"__14 _fc_7\"> </span>33 948<span class=\"__14 _2a_8\"> </span>12<span class=\"__14 _1ce\"> </span>4<span class=\"__14 _17a\"> </span>0,<span class=\"__14 _b_13\"/>12<span class=\"__14 _fc_7\"> </span>46 967<span class=\"__14 _1101\"> </span>689<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _1104\"> </span>47 658<span class=\"__14 _12c_4\"> </span><span class=\"ls14_11 ws3a_5\">57<span class=\"__14 _1ce\"> </span></span>3<span class=\"__14 _17b\"> </span><span class=\"ls17_11 ws3d_5\">3<span class=\"__14 _1072\"/>,1<span class=\"__14 _1066\"/>7<span class=\"__14 _b0_6\"> </span></span>8 098<span class=\"__14 _aa_6\"> </span>1 959<span class=\"__14 _1086\"> </span>3<span class=\"__14 _fc_7\"> </span>10 060<span class=\"__14 _1079\"> </span>107<span class=\"__14 _1ce\"> </span>2<span class=\"__14 _17c\"> </span>13,70<span class=\"__14 _1079\"> </span>110<span class=\"__14 _aa_6\"> </span>1 466<span class=\"__14 _1093\"> </span><span class=\"ls18_10 ws3e_5\">97<span class=\"__14 _9b_6\"> </span></span>1 673<span class=\"__14 _12c_4\"> </span>75<span class=\"__14 _1ce\"> </span>1<span class=\"__14 _17d\"> </span>33,91<span class=\"__14 _a2_6\"> </span>88<span class=\"__14 _1156\"> </span>1 4<span class=\"__14 _1072\"/>35<span class=\"__14 _12c_4\"> </span>16<span class=\"__14 _1155\"> </span>1 539<span class=\"__14 _1093\"> </span>85<span class=\"__14 _1ce\"> </span>Standardmetoden/Utan r<span class=\"__14 _1058\"/>ating<span class=\"__14 _1177\"> </span>0,02<span class=\"__14 _1104\"> </span>16 044<span class=\"__14 _c3_6\"> </span>794<span class=\"__14 _1101\"> </span>208<span class=\"__14 _1136\"> </span>17 046<span class=\"__14 _1079\"> </span>153<span class=\"__14 _1ce\"> </span>0 (fallerade<span class=\"__14 _b_13\"/>)<span class=\"__14 _1235\"> </span>100,00<span class=\"__14 _1093\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1093\"> </span></span>87<span class=\"__14 _b7_7\"> </span>2 340<span class=\"__14 _b7_7\"> </span>2 450<span class=\"__14 _1152\"> </span>1 222<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _17e\"> </span>126 846<span class=\"__14 _1106\"> </span>6 660<span class=\"__14 _b0_6\"> </span>2 666<span class=\"__14 _a5_7\"> </span>136 172<span class=\"__14 _1102\"> </span>1 712<span class=\"__14 _1ce\"> </span>Scoringinf<span class=\"__14 _b_13\"/>ormation f\u00f6r l\u00e5n v\u00e4r<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">derade till upplupet anskaffningsv\u00e4r</span><span class=\"__14 _b_13\"/>de <span class=\"__14 _17f\"> </span> <span class=\"__14 _b7_7\"> </span> <span class=\"__14 _b7_7\"> </span> Mn euro  <span class=\"__14 _1ce\">Scoring klass1<span class=\"__14 _1ce\"> </span></span>Genomsnittligt <span class=\"__14 _1069\"/> <span class=\"__14 _1ce\">PD2 (%)<span class=\"__14 _1ce\"> </span></span>Redovisat v<span class=\"__14 _b_13\"/>\u00e4rde f\u00f6re reserver<span class=\"__14 _b_13\"/>, 31 dec 2022<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _5a_6\"> </span>Kategori 2<span class=\"__14 _5a_6\"> </span>Kategori 3<span class=\"__14 _1130\"> </span>Summa<span class=\"__14 _1124\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>A<span class=\"__14 _1237\"> </span>0,04<span class=\"__14 _1104\"> </span>96 018<span class=\"__14 _b5_7\"> </span>410<span class=\"__14 _12c_4\"> </span>10<span class=\"__14 _1130\"> </span>96 4<span class=\"__14 _1072\"/>38<span class=\"__14 _a3_6\"> </span>20<span class=\"__14 _1ce\"> </span>B<span class=\"__14 _1238\"> </span>0,30<span class=\"__14 _1104\"> </span>19 894<span class=\"__14 _1101\"> </span>803<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1130\"> </span>20 699<span class=\"__14 _12c_4\"> </span>19<span class=\"__14 _1ce\"> </span>C<span class=\"__14 _1231\"> </span>2,<span class=\"__14 _b_13\"/>10<span class=\"__14 _aa_6\"> </span>7 829<span class=\"__14 _1156\"> </span>1 454<span class=\"__14 _1086\"> </span>7<span class=\"__14 _b0_6\"> </span>9 290<span class=\"__14 _12c_4\"> </span>32<span class=\"__14 _1ce\"> </span>D<span class=\"__14 _1231\"> </span><span class=\"ls17_11 ws3d_5\">6<span class=\"__14 _1072\"/>,1<span class=\"__14 _1072\"/>7<span class=\"__14 _1156\"> </span></span>4 655<span class=\"__14 _aa_6\"> </span>1 494<span class=\"__14 _1086\"> </span>7<span class=\"__14 _1156\"> </span>6 156<span class=\"__14 _a2_6\"> </span>40<span class=\"__14 _1ce\"> </span>E<span class=\"__14 _1234\"> </span>15,92<span class=\"__14 _1152\"> </span>1 139<span class=\"__14 _1079\"> </span>871<span class=\"__14 _12c_4\"> </span>10<span class=\"__14 _b7_7\"> </span>2 020<span class=\"__14 _1092\"> </span>41<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _1239\"> </span>30,58<span class=\"__14 _b5_7\"> </span>601<span class=\"__14 _c3_6\"> </span>832<span class=\"__14 _1092\"> </span>37<span class=\"__14 _1156\"> </span>1 470<span class=\"__14 _a2_6\"> </span>60<span class=\"__14 _1ce\"> </span>Standardmetoden/Utan r<span class=\"__14 _1058\"/>ating<span class=\"__14 _1177\"> </span><span class=\"ls24_6 ws4a_3\">N.A.<span class=\"__14 _c3_6\"> </span></span>220<span class=\"__14 _12c_4\"> </span>10<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1079\"> </span>231<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1ce\"> </span>0 (fallerade<span class=\"__14 _b_13\"/>)<span class=\"__14 _1235\"> </span>100,00<span class=\"__14 _b5_7\"> </span>196<span class=\"__14 _be_7\"> </span><span class=\"ls14_11 ws3a_5\">146<span class=\"__14 _1101\"> </span></span>650<span class=\"__14 _c3_6\"> </span>992<span class=\"__14 _be_7\"> </span>233<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1240\"> </span>130 552<span class=\"__14 _da_6\"> </span>6 020<span class=\"__14 _b5_7\"> </span><span class=\"ls16_11 ws3c_5\">7<span class=\"__14 _1072\"/>24<span class=\"__14 _a6_7\"> </span></span>137 296<span class=\"__14 _1151\"> </span>445<span class=\"__14 _1ce\"> </span>Mn euro  <span class=\"__14 _1ce\">Scoring klass1<span class=\"__14 _1ce\"> </span></span>Genomsnittligt <span class=\"__14 _1069\"/> <span class=\"__14 _1ce\">PD2 (%)<span class=\"__14 _1ce\"> </span></span>Redovisat v<span class=\"__14 _b_13\"/>\u00e4rde f\u00f6re reserver<span class=\"__14 _b_13\"/>, 31 dec 2021<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _5a_6\"> </span>Kategori 2<span class=\"__14 _5a_6\"> </span>Kategori 3<span class=\"__14 _1130\"> </span>Summa<span class=\"__14 _1124\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>A<span class=\"__14 _1238\"> </span>0,03<span class=\"__14 _1129\"> </span>86 165<span class=\"__14 _b5_7\"> </span>199<span class=\"__14 _b8_6\"> </span>6<span class=\"__14 _fc_7\"> </span>86 370<span class=\"__14 _b8_6\"> </span>8<span class=\"__14 _1ce\"> </span>B<span class=\"__14 _1238\"> </span>0,28<span class=\"__14 _1136\"> </span>26 758<span class=\"__14 _1101\"> </span>544<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _1136\"> </span>27 305<span class=\"__14 _2a_8\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1ce\"> </span></span>C<span class=\"__14 _17a\"> </span>1,<span class=\"__14 _b_13\"/>75<span class=\"__14 _9c_7\"> </span>11 159<span class=\"__14 _1155\"> </span>1 624<span class=\"__14 _b8_6\"> </span>5<span class=\"__14 _1147\"> </span>12 788<span class=\"__14 _1092\"> </span>31<span class=\"__14 _1ce\"> </span>D<span class=\"__14 _1238\"> </span>5,50<span class=\"__14 _b0_6\"> </span>4 405<span class=\"__14 _a4_6\"> </span>1 717<span class=\"__14 _1086\"> </span>7<span class=\"__14 _1156\"> </span>6 129<span class=\"__14 _a2_6\"> </span>40<span class=\"__14 _1ce\"> </span>E<span class=\"__14 _17d\"> </span>13,71<span class=\"__14 _9b_6\"> </span>1 461<span class=\"__14 _b5_7\"> </span>932<span class=\"__14 _1087\"> </span>4<span class=\"__14 _1156\"> </span>2 397<span class=\"__14 _1092\"> </span>41<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _1241\"> </span>23,30<span class=\"__14 _b5_7\"> </span>618<span class=\"__14 _be_7\"> </span>941<span class=\"__14 _1093\"> </span>28<span class=\"__14 _1155\"> </span>1 587<span class=\"__14 _a3_6\"> </span>59<span class=\"__14 _1ce\"> </span>0 (fallerade<span class=\"__14 _b_13\"/>)<span class=\"__14 _1235\"> </span>100,00<span class=\"__14 _1101\"> </span>204<span class=\"__14 _1153\"> </span>131<span class=\"__14 _c3_6\"> </span>793<span class=\"__14 _1109\"> </span>1 128<span class=\"__14 _1101\"> </span>298<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1240\"> </span>130 770<span class=\"__14 _1106\"> </span>6 088<span class=\"__14 _e2_6\"> </span>846<span class=\"__14 _a6_7\"> </span>137 704<span class=\"__14 _e2_6\"> </span>494<span class=\"__14 _1ce\"> </span>1)  Kategoriindelningen och ber<span class=\"__14 _1058\"/>\u00e4knade reserver f\u00f6r v<span class=\"__14 _1058\"/>arje exponering baseras p\u00e5 situa<span class=\"__14 _b_13\"/>tionen i slutet av oktober 2022 (ok<span class=\"__14 _b_13\"/>tober 2021), medan exponeringsbelopp och ratingklasser baseras p\u00e5 situationen i slutet a<span class=\"__14 _b_13\"/>v december 2022 (december 2021). Vissa exponeringar som \u00e4r fallerade enligt r<span class=\"__14 _b_13\"/>atingklasserna i slutet av december var in<span class=\"__14 _b_13\"/>te fallerade i oktober<span class=\"__14 _b_13\"/>, vilket reflekte-<span class=\"__14 _1ce\"> </span>ras i kategoriindelningen.<span class=\"__14 _1ce\"> </span>2)  Genomsnittligt PD exklusive Nordea Financ<span class=\"__14 _1058\"/>e Equipment <span class=\"__14 _b_13\"/>AS.<span class=\"__14 _1ce\"> </span>218<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>Ratinginf<span class=\"__14 _b_13\"/>ormation f\u00f6r gar<span class=\"__14 _b_13\"/>antier<span class=\"__14 _b_13\"/>/<span class=\"__14 _1058\"/>\u00e5taganden<span class=\"__14 _1ce\"> </span>Mn euro  Rating klass<span class=\"__14 _1ce\"> </span>Nominella belopp 31 dec 2022<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _1106\"> </span>Kategori 2<span class=\"__14 _1106\"> </span>Kategori 3<span class=\"__14 _1079\"> </span>Summa<span class=\"__14 _1121\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>7<span class=\"__14 _1242\"> </span>7 760<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1200\"> </span>7 760<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1ce\"> </span>6<span class=\"__14 _1237\"> </span>13 834<span class=\"__14 _1164\"> </span>1<span class=\"__14 _1145\"> </span>0<span class=\"__14 _a7_7\"> </span>13 835<span class=\"__14 _1215\"> </span>2<span class=\"__14 _1ce\"> </span>5<span class=\"__14 _1238\"> </span>35 672<span class=\"__14 _1211\"> </span>18<span class=\"__14 _1215\"> </span>2<span class=\"__14 _1153\"> </span>35 692<span class=\"__14 _1211\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1ce\"> </span></span>4<span class=\"__14 _17c\"> </span>20 596<span class=\"__14 _1128\"> </span>488<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1153\"> </span>21 084<span class=\"__14 _1243\"> </span>21<span class=\"__14 _1ce\"> </span>3<span class=\"__14 _1244\"> </span>4 304<span class=\"__14 _16d\"> </span>1 205<span class=\"__14 _1245\"> </span>6<span class=\"__14 _16f\"> </span>5 515<span class=\"__14 _1211\"> </span>19<span class=\"__14 _1ce\"> </span>2<span class=\"__14 _1246\"> </span>0<span class=\"__14 _15b_1\"> </span>737<span class=\"__14 _1215\"> </span>5<span class=\"__14 _15b_1\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _1066\"/>2<span class=\"__14 _1243\"> </span></span>19<span class=\"__14 _1ce\"> </span>1<span class=\"__14 _18a\"> </span>0<span class=\"__14 _7a_6\"> </span>639<span class=\"__14 _1145\"> </span>0<span class=\"__14 _7a_6\"> </span>639<span class=\"__14 _1221\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1ce\"> </span></span>Standardmetoden/Utan r<span class=\"__14 _1058\"/>ating<span class=\"__14 _1158\"> </span>1 277<span class=\"__14 _1227\"> </span>302<span class=\"__14 _18b\"> </span>1<span class=\"__14 _16a\"> </span>1 580<span class=\"__14 _1245\"> </span>5<span class=\"__14 _1ce\"> </span>0 (fallerade<span class=\"__14 _b_13\"/>)<span class=\"__14 _18c\"> </span>0<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1227\"> </span>202<span class=\"__14 _1227\"> </span>202<span class=\"__14 _1211\"> </span>10<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _18d\"> </span>83 443<span class=\"__14 _1090\"> </span>3 390<span class=\"__14 _15b_1\"> </span>216<span class=\"__14 _1079\"> </span>87 049<span class=\"__14 _1082\"> </span><span class=\"ls14_11 ws3a_5\">114<span class=\"__14 _1ce\"> </span></span>Mn euro  Rating klass<span class=\"__14 _1ce\"> </span>Nominella belopp 31 dec 2021<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _1106\"> </span>Kategori 2<span class=\"__14 _1106\"> </span>Kategori 3<span class=\"__14 _1079\"> </span>Summa<span class=\"__14 _1121\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>7<span class=\"__14 _1244\"> </span>8 4<span class=\"__14 _1072\"/>20<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1145\"> </span>0<span class=\"__14 _2a_8\"> </span>8 4<span class=\"__14 _1072\"/>20<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1ce\"> </span>6<span class=\"__14 _17b\"> </span>8 787<span class=\"__14 _18b\"> </span>1<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1203\"> </span>8 788<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1ce\"> </span>5<span class=\"__14 _17d\"> </span>32 660<span class=\"__14 _1211\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1145\"> </span></span>0<span class=\"__14 _1105\"> </span>32 67<span class=\"__14 _b_13\"/>4<span class=\"__14 _1145\"> </span>4<span class=\"__14 _1ce\"> </span>4<span class=\"__14 _1237\"> </span>25 785<span class=\"__14 _1227\"> </span>479<span class=\"__14 _1145\"> </span>3<span class=\"__14 _a7_7\"> </span>26 267<span class=\"__14 _15a_1\"> </span>13<span class=\"__14 _1ce\"> </span>3<span class=\"__14 _17a\"> </span>4 666<span class=\"__14 _b8_6\"> </span>1 415<span class=\"__14 _1145\"> </span>3<span class=\"__14 _2a_8\"> </span>6 084<span class=\"__14 _1221\"> </span>20<span class=\"__14 _1ce\"> </span>2<span class=\"__14 _1246\"> </span>0<span class=\"__14 _1128\"> </span>808<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1229\"> </span>808<span class=\"__14 _1211\"> </span>18<span class=\"__14 _1ce\"> </span>1<span class=\"__14 _18a\"> </span>0<span class=\"__14 _7a_6\"> </span>630<span class=\"__14 _18b\"> </span>1<span class=\"__14 _15b_1\"> </span>631<span class=\"__14 _1211\"> </span>32<span class=\"__14 _1ce\"> </span>Standardmetoden/Utan r<span class=\"__14 _1058\"/>ating<span class=\"__14 _f9_6\"> </span>2 187<span class=\"__14 _1227\"> </span>108<span class=\"__14 _1245\"> </span>2<span class=\"__14 _16d\"> </span>2 297<span class=\"__14 _1145\"> </span>8<span class=\"__14 _1ce\"> </span>0 (fallerade<span class=\"__14 _b_13\"/>)<span class=\"__14 _18c\"> </span>0<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1227\"> </span>287<span class=\"__14 _1227\"> </span>287<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1198\"> </span>82 505<span class=\"__14 _1090\"> </span>3 455<span class=\"__14 _7a_6\"> </span>296<span class=\"__14 _8e_6\"> </span>86 256<span class=\"__14 _1140\"> </span>95<span class=\"__14 _1ce\"> </span>Scoringinf<span class=\"__14 _b_13\"/>ormation f\u00f6r garan<span class=\"__14 _b_13\"/>tier/<span class=\"__14 _1c_10\"/>\u00e5taganden<span class=\"__14 _1ce\"> </span>Mn euro  Scoring klass<span class=\"__14 _1ce\"> </span>Nominella belopp 31 dec 2022<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _1106\"> </span>Kategori 2<span class=\"__14 _1106\"> </span>Kategori 3<span class=\"__14 _1079\"> </span>Summa<span class=\"__14 _1121\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>A<span class=\"__14 _1237\"> </span><span class=\"ls14_11 ws3a_5\">14 014<span class=\"__14 _1145\"> </span></span>6<span class=\"__14 _1145\"> </span>0<span class=\"__14 _6c_6\"> </span>14 020<span class=\"__14 _1145\"> </span>6<span class=\"__14 _1ce\"> </span>B<span class=\"__14 _17a\"> </span>2 970<span class=\"__14 _1221\"> </span>29<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1090\"> </span>2 999<span class=\"__14 _1145\"> </span>6<span class=\"__14 _1ce\"> </span>C<span class=\"__14 _18e\"> </span>1 302<span class=\"__14 _15b_1\"> </span>316<span class=\"__14 _1145\"> </span>0<span class=\"__14 _16f\"> </span>1 618<span class=\"__14 _1211\"> </span>10<span class=\"__14 _1ce\"> </span>D<span class=\"__14 _18f\"> </span>644<span class=\"__14 _15b_1\"> </span>431<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1226\"> </span>1 075<span class=\"__14 _1243\"> </span>13<span class=\"__14 _1ce\"> </span>E<span class=\"__14 _1247\"> </span>37<span class=\"__14 _1081\"> </span>127<span class=\"__14 _18b\"> </span>1<span class=\"__14 _15b_1\"> </span>165<span class=\"__14 _1243\"> </span>12<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _1247\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1243\"> </span></span>71<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1140\"> </span>95<span class=\"__14 _1145\"> </span>8<span class=\"__14 _1ce\"> </span>Standardmetoden/Utan r<span class=\"__14 _1058\"/>ating<span class=\"__14 _1107\"> </span>355<span class=\"__14 _1221\"> </span>63<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1227\"> </span>418<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1ce\"> </span>0 (fallerade<span class=\"__14 _b_13\"/>)<span class=\"__14 _18c\"> </span>0<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1140\"> </span>50<span class=\"__14 _1140\"> </span>50<span class=\"__14 _15a_1\"> </span>15<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1248\"> </span>19 346<span class=\"__14 _1200\"> </span>1 043<span class=\"__14 _15a_1\"> </span><span class=\"ls14_11 ws3a_5\">51<span class=\"__14 _1079\"> </span></span>20 440<span class=\"__14 _1140\"> </span>70<span class=\"__14 _1ce\"> </span>Mn euro  Scoring klass<span class=\"__14 _1ce\"> </span>Nominella belopp 31 dec 2021<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _1106\"> </span>Kategori 2<span class=\"__14 _1106\"> </span>Kategori 3<span class=\"__14 _1079\"> </span>Summa<span class=\"__14 _1121\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>A<span class=\"__14 _1237\"> </span>13 355<span class=\"__14 _1145\"> </span>4<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1105\"> </span>13 359<span class=\"__14 _1145\"> </span>4<span class=\"__14 _1ce\"> </span>B<span class=\"__14 _17b\"> </span>4 718<span class=\"__14 _1145\"> </span>5<span class=\"__14 _1145\"> </span>0<span class=\"__14 _16a\"> </span>4 7<span class=\"__14 _1072\"/>23<span class=\"__14 _1145\"> </span>6<span class=\"__14 _1ce\"> </span>C<span class=\"__14 _1242\"> </span>1 778<span class=\"__14 _1227\"> </span>419<span class=\"__14 _1145\"> </span>0<span class=\"__14 _16f\"> </span>2 197<span class=\"__14 _1243\"> </span>15<span class=\"__14 _1ce\"> </span>D<span class=\"__14 _1249\"> </span>796<span class=\"__14 _1227\"> </span>470<span class=\"__14 _1215\"> </span>1<span class=\"__14 _16d\"> </span>1 268<span class=\"__14 _1243\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1ce\"> </span></span>E<span class=\"__14 _1247\"> </span>61<span class=\"__14 _1082\"> </span><span class=\"ls14_11 ws3a_5\">145<span class=\"__14 _1145\"> </span></span>0<span class=\"__14 _7a_6\"> </span>206<span class=\"__14 _1243\"> </span>15<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _1247\"> </span>26<span class=\"__14 _1250\"> </span>80<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1227\"> </span>106<span class=\"__14 _1083\"> </span>11<span class=\"__14 _1ce\"> </span>0 (fallerade<span class=\"__14 _b_13\"/>)<span class=\"__14 _18c\"> </span>0<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1221\"> </span>67<span class=\"__14 _1221\"> </span>67<span class=\"__14 _1221\"> </span>20<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1198\"> </span>20 7<span class=\"__14 _1072\"/>34<span class=\"__14 _1087\"> </span>1 123<span class=\"__14 _1140\"> </span>68<span class=\"__14 _6c_6\"> </span>21 92<span class=\"__14 _1072\"/>5<span class=\"__14 _1250\"> </span>88<span class=\"__14 _1ce\"> </span>219<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>2.<span class=\"__14 _b_13\"/>15 Os\u00e4kra l\u00e5nef<span class=\"__14 _b_13\"/>ordringar (kategori 3)<span class=\"__14 _1ce\"> </span> Koncernens os\u00e4kr<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">a l\u00e5nefordringar till upplupet anskaff</span><span class=\"__14 _b_13\"/>nings-<span class=\"__14 _1ce\"> </span>v\u00e4rde, brutto<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">, minskade till 2 2</span><span class=\"__14 _1072\"/><span class=\"__14 _1ce\">55 mn euro (3 512 mn euro</span><span class=\"__14 _b_13\"/>), vil-<span class=\"__14 _1ce\"> </span>ket motsv<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">arar 81 punk</span><span class=\"__14 _1058\"/>ter a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">v den samlade utl\u00e5ningen. 49 pro-<span class=\"__14 _1ce\"> </span></span>cent a<span class=\"__14 _b_13\"/>v de os\u00e4kra for<span class=\"__14 _1058\"/>dringarna, brutto, utgjor<span class=\"__14 _b_13\"/>des av l\u00e5n d\u00e4r<span class=\"__14 _1ce\"> </span> kunderna f<span class=\"__14 _b_13\"/>or<span class=\"__14 _1072\"/>tfarande betalade (r<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">eglerade) och 51 procen</span><span class=\"__14 _b_13\"/>t var<span class=\"__14 _1ce\"> </span> l\u00e5n d\u00e4r kunderna ej betalade (or<span class=\"__14 _b_13\"/>eglerade). Os\u00e4kra f<span class=\"__14 _1058\"/>ordringar<span class=\"__14 _1ce\"> </span> netto, efter r<span class=\"__14 _b_13\"/>eser<span class=\"__14 _1072\"/>veringar f\u00f6r f<span class=\"__14 _b_13\"/>ordringar i kategori 3, uppgick till<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">1 210 mn euro, vilket mo</span><span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">tsvarar 43 punkter a</span><span class=\"__14 _b_13\"/>v den samlade<span class=\"__14 _1ce\"> </span> utl\u00e5ningen. Reserverna f<span class=\"__14 _b_13\"/>\u00f6r fordringar i kategori 3 uppgick till<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">1 045 mn euro. R</span><span class=\"__14 _1058\"/>eserverna f\u00f6r f<span class=\"__14 _b_13\"/>ordringar i kategori 1 och 2 upp-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">gick till 628 mn euro. Den samlade re</span><span class=\"__14 _1058\"/>serveringskvoten v<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">46 procen</span><span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>, och f\u00f6r for<span class=\"__14 _b_13\"/>dringar i kategori 1 och 2 var reserve<span class=\"__14 _1ce\"> </span>-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">ringsgraden 23 punkt</span><span class=\"__14 _b_13\"/>er. Minskningen a<span class=\"__14 _b_13\"/>v os\u00e4kra fordringar<span class=\"__14 _1ce\"> </span> avs\u00e5g huvudsakligen Na<span class=\"__14 _b_13\"/>turresurser och Sj\u00f6fart, efter bety<span class=\"__14 _1ce\"> </span>-<span class=\"__14 _1ce\"> </span>dande utfasning under \u00e5ret. De portf\u00f6ljer som sv<span class=\"__14 _b_13\"/>arade f\u00f6r<span class=\"__14 _1ce\"> </span> st\u00f6rst andel a<span class=\"__14 _b_13\"/>v de os\u00e4kra fordringarna v<span class=\"__14 _b_13\"/>ar Privatkunder<span class=\"__14 _b_13\"/>, Indu-<span class=\"__14 _1ce\"> </span>stri samt K<span class=\"__14 _b_13\"/>onsument s\u00e4llank\u00f6p och tj\u00e4nster<span class=\"__14 _1c_10\"/>.<span class=\"__14 _1ce\"> </span>Os\u00e4kra f<span class=\"__14 _b_13\"/>ordringar och nyckelt<span class=\"__14 _1058\"/>al<span class=\"__14 _1ce\"> </span>2022<span class=\"__14 _3f_8\"> </span>2021<span class=\"__14 _1ce\"> </span>Os\u00e4kra for<span class=\"__14 _b_13\"/>dringar, brutto<span class=\"__14 _1058\"/>, upplupet<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">anskaffningsv\u00e4r</span><span class=\"__14 _b_13\"/>de, mn euro<span class=\"__14 _1216\"> </span>2 255<span class=\"__14 _1123\"> </span>3 512<span class=\"__14 _1ce\"> </span>- vara<span class=\"__14 _b_13\"/>v reglerade<span class=\"__14 _d5_6\"> </span>1 111<span class=\"__14 _1123\"> </span>1 641<span class=\"__14 _1ce\"> </span>- vara<span class=\"__14 _b_13\"/>v oreglerade<span class=\"__14 _f1_6\"> </span>1 144<span class=\"__14 _1123\"> </span>1 871<span class=\"__14 _1ce\"> </span>Andel os\u00e4kra l\u00e5nef<span class=\"__14 _1058\"/>ordringar (kategori 3), brutt<span class=\"__14 _1058\"/>o,<span class=\"__14 _1ce\"> </span> punkter<span class=\"__14 _1251\"> </span>81<span class=\"__14 _1098\"> </span>128<span class=\"__14 _1ce\"> </span>Andel os\u00e4kra l\u00e5nef<span class=\"__14 _1058\"/>ordringar (kategori 3), nett<span class=\"__14 _1058\"/>o,<span class=\"__14 _1ce\"> </span> punkter<span class=\"__14 _1235\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _5f_6\"> </span></span>70<span class=\"__14 _1ce\"> </span>Gruppvisa reserveringar i rela<span class=\"__14 _b_13\"/>tion till utl\u00e5ning  i kategori 1 och 2, punk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1252\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _5f_6\"> </span></span>22<span class=\"__14 _1ce\"> </span>T<span class=\"__14 _1c_10\"/>otal reserveringsgrad (ka<span class=\"__14 _b_13\"/>tegori 1, 2 och 3),<span class=\"__14 _1ce\"> </span> punkter<span class=\"__14 _1112\"> </span>60<span class=\"__14 _1120\"> </span>81<span class=\"__14 _1ce\"> </span>Reserver i rela<span class=\"__14 _b_13\"/>tion till os\u00e4kra l\u00e5nefordringar<span class=\"__14 _1ce\"> </span> (kategori 3), %<span class=\"__14 _e8_7\"> </span>46<span class=\"__14 _1121\"> </span>46<span class=\"__14 _1ce\"> </span>2.<span class=\"__14 _b_13\"/>16 F\u00f6rf<span class=\"__14 _b_13\"/>allna l\u00e5nefordringar<span class=\"__14 _1ce\"> </span> F\u00f6rf<span class=\"__14 _b_13\"/>allna l\u00e5nefordringar (6 dagar eller mer) bland f\u00f6r<span class=\"__14 _b_13\"/>e-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">tagskunder uppgick till 814 mn eur</span><span class=\"__14 _b_13\"/>o, ner fr\u00e5n 864 mn euro f\u00f6r<span class=\"__14 _1ce\"> </span> ett \u00e5r sedan, och f\u00f6rf<span class=\"__14 _b_13\"/>allna l\u00e5nefordringar bland priva<span class=\"__14 _1058\"/>tkunder<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">uppgick till 1 569 mn euro vid \u00e5rets slut, upp fr\u00e5n 1 440 mn<span class=\"__14 _1ce\"> </span></span> euro f<span class=\"__14 _1058\"/>\u00f6r ett \u00e5r sedan. <span class=\"__14 _b_13\"/>T<span class=\"__14 _b_13\"/>abellen visar f\u00f6rf<span class=\"__14 _1058\"/>allna l\u00e5nefor<span class=\"__14 _b_13\"/>dringar<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">(6 dagar eller mer), uppdelade p\u00e5 f\u00f6r</span><span class=\"__14 _1058\"/>etags- och privatk<span class=\"__14 _b_13\"/>under.<span class=\"__14 _1ce\"> </span> En f\u00f6rf<span class=\"__14 _1058\"/>allen l\u00e5nefor<span class=\"__14 _b_13\"/>dran uppst\u00e5r n\u00e4r borgen\u00e4ren in<span class=\"__14 _b_13\"/>te erh\u00e5ller<span class=\"__14 _1ce\"> </span> \u00e5terbetalning p\u00e5 ett l\u00e5n p\u00e5 f<span class=\"__14 _b_13\"/>\u00f6rfallodagen.<span class=\"__14 _1ce\"> </span>31 dec 2022<span class=\"__14 _1153\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1ce\"> </span>F\u00f6retags-<span class=\"__14 _1ce\"> </span> kunder<span class=\"__14 _1ce\"> </span>Privat-<span class=\"__14 _1ce\"> </span> kunder<span class=\"__14 _1ce\"> </span>F\u00f6retags-<span class=\"__14 _1ce\"> </span> kunder<span class=\"__14 _1ce\"> </span>Privat-<span class=\"__14 _1ce\"> </span> kunder<span class=\"__14 _1ce\"> </span>6\u201330 dagar<span class=\"__14 _1253\"> </span>418<span class=\"__14 _1118\"> </span>718<span class=\"__14 _8c_6\"> </span>4<span class=\"__14 _1072\"/>28<span class=\"__14 _1121\"> </span>595<span class=\"__14 _1ce\"> </span>31\u201360 dagar<span class=\"__14 _1217\"> </span>123<span class=\"__14 _8c_6\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1072\"/>9<span class=\"__14 _1130\"> </span></span>87<span class=\"__14 _1118\"> </span>199<span class=\"__14 _1ce\"> </span>61\u201390 dagar<span class=\"__14 _1186\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1130\"> </span><span class=\"ls18_10 ws3e_5\">97<span class=\"__14 _1130\"> </span></span></span>32<span class=\"__14 _fc_7\"> </span>75<span class=\"__14 _1ce\"> </span>&gt;90 dagar<span class=\"__14 _11f_7\"> </span>2<span class=\"__14 _1072\"/>50<span class=\"__14 _1121\"> </span>505<span class=\"__14 _5f_6\"> </span><span class=\"ls14_11 ws3a_5\">317<span class=\"__14 _1120\"> </span>57<span class=\"__14 _1072\"/>1<span class=\"__14 _1ce\"> </span></span>Summa<span class=\"__14 _1166\"> </span><span class=\"ls14_11 ws3a_5\">814<span class=\"__14 _1223\"> </span></span>1 569<span class=\"__14 _1115\"> </span>86<span class=\"__14 _1072\"/>4<span class=\"__14 _3d_8\"> </span>1 440<span class=\"__14 _1ce\"> </span>F\u00f6rfallna l\u00e5n (inkl. os\u00e4kra<span class=\"__14 _1ce\"> </span> l\u00e5n) dividerat med<span class=\"__14 _1ce\"> </span> utl\u00e5ning till allm\u00e4nheten<span class=\"__14 _1ce\"> </span> efter reserver<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1083\"> </span>0,5<span class=\"__14 _a6_7\"> </span>0,9<span class=\"__14 _1113\"> </span>0,5<span class=\"__14 _7b_6\"> </span>0,<span class=\"__14 _1072\"/>8<span class=\"__14 _1ce\"> </span>2.<span class=\"__14 _b_13\"/>17 Re<span class=\"__14 _1058\"/>server<span class=\"__14 _1ce\"> </span>De totala r<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">eserverna f\u00f6r 2022 uppgick till 1 860 mn eur</span><span class=\"__14 _b_13\"/>o, ner<span class=\"__14 _1ce\"> </span> fr\u00e5n 2 404 mn eur<span class=\"__14 _1058\"/>o in 2021. Reserverna f<span class=\"__14 _b_13\"/>\u00f6r exponeringar 202<span class=\"__14 _1ce\"> </span>2 <span class=\"__14 _1ce\">var 1 673 mn euro, ner fr</span><span class=\"__14 _b_13\"/>\u00e5n 2 206 mn euro 2021. Detta<span class=\"__14 _1ce\"> </span> berodde p\u00e5 uppl\u00f6sningar a<span class=\"__14 _b_13\"/>v reserver i kategori 3 a<span class=\"__14 _1058\"/>vseende<span class=\"__14 _1ce\"> </span> branscherna Naturr<span class=\"__14 _b_13\"/>esur<span class=\"__14 _1072\"/>ser och Sj\u00f6f<span class=\"__14 _1058\"/>art<span class=\"__14 _1072\"/>. A<span class=\"__14 _b_13\"/>v de totala r<span class=\"__14 _b_13\"/>eser-<span class=\"__14 _1ce\"> </span>verna a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">vs\u00e5g 220 mn euro kategori 1 (upp fr\u00e5n 19</span><span class=\"__14 _1058\"/>7 mn euro f<span class=\"__14 _1058\"/>\u00f6<span class=\"__14 _1ce\"> </span>r <span class=\"__14 _1ce\">ett \u00e5r sedan), 408 mn euro kat</span><span class=\"__14 _b_13\"/>egori 2 (upp fr\u00e5n 399 mn euro<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">f\u00f6r ett \u00e5r sedan) och 1 045 mn eur</span><span class=\"__14 _b_13\"/>o kategori 3 (ner fr\u00e5n<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">1 610 mn euro f</span><span class=\"__14 _1058\"/>\u00f6r ett \u00e5r sedan). Reserveringsgr<span class=\"__14 _b_13\"/>aden var of\u00f6r-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">\u00e4ndrad p\u00e5 0,08 procen</span><span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">t f\u00f6r kategori 1, 3,2 proc</span><span class=\"__14 _b_13\"/>ent f\u00f6r kat<span class=\"__14 _1058\"/>egori<span class=\"__14 _1ce\"> </span> 2 (upp fr\u00e5n 3,<span class=\"__14 _1c_10\"/><span class=\"__14 _1ce\">1 procent 2021) och 46 pr</span><span class=\"__14 _1058\"/>ocent f<span class=\"__14 _b_13\"/>\u00f6r kategori 3.<span class=\"__14 _1ce\"> </span> Reserveringsgr<span class=\"__14 _1058\"/>aden f\u00f6r ka<span class=\"__14 _b_13\"/>tegori 3 var i stort sett of<span class=\"__14 _1058\"/>\u00f6r\u00e4ndrad<span class=\"__14 _1ce\"> </span> sedan de os\u00e4kra l\u00e5nef<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ordringarna minskat med 1 257 mn eur<span class=\"__14 _1ce\"> </span></span>o <span class=\"__14 _1ce\">(36 procen</span><span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">t), medan reserverna minskade med 35 procent.<span class=\"__14 _1ce\"> </span></span> Reserveringsgr<span class=\"__14 _1058\"/>aden f\u00f6r f<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">\u00f6retagsl\u00e5n i kategori 3 \u00f6kade f</span><span class=\"__14 _1058\"/>r\u00e5n<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">50 procen</span><span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">t till 55 procent, medan den f\u00f6r priva</span><span class=\"__14 _1058\"/>tkunder mins-<span class=\"__14 _1ce\"> </span>kade fr\u00e5n 36 pr<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ocent till 33 procen</span><span class=\"__14 _1058\"/>t.<span class=\"__14 _1ce\"> </span>2.<span class=\"__14 _b_13\"/>18 Kreditf<span class=\"__14 _b_13\"/>\u00f6rluster<span class=\"__14 _1ce\"> </span> Kreditf<span class=\"__14 _1058\"/>\u00f6rlusterna f<span class=\"__14 _b_13\"/>\u00f6r 2022 var l\u00e5ga och uppgick till 112 mn<span class=\"__14 _1ce\"> </span> euro (118 mn euro<span class=\"__14 _1058\"/>). Det motsvar<span class=\"__14 _b_13\"/>ar en kreditf\u00f6rlustrela<span class=\"__14 _b_13\"/>tion p\u00e5<span class=\"__14 _1ce\"> </span> 4 punkter (<span class=\"__14 _b_13\"/>4 punkter) f<span class=\"__14 _b_13\"/>\u00f6r l\u00e5n v\u00e4rderade till upplupet anska<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ff-<span class=\"__14 _1ce\"> </span></span>ningsv\u00e4rde. Inklusiv<span class=\"__14 _b_13\"/>e omv\u00e4rderingsf\u00f6rl<span class=\"__14 _b_13\"/>uster p\u00e5 hypoteksl\u00e5n i<span class=\"__14 _1ce\"> </span> Danmark om 13 mn euro uppgick kreditf<span class=\"__14 _b_13\"/>\u00f6rluster och liknande<span class=\"__14 _1ce\"> </span> nettoresult<span class=\"__14 _1058\"/>at till 125 mn euro, mo<span class=\"__14 _1058\"/>tsvarande 4 punk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">(1 punkt). De individuellt ber</span><span class=\"__14 _b_13\"/>\u00e4knade kreditf\u00f6rlust<span class=\"__14 _b_13\"/>erna uppgic<span class=\"__14 _1ce\"> </span>k <span class=\"__14 _1ce\">till 169 mn euro och drevs a</span><span class=\"__14 _b_13\"/>v genomsnittliga bortskrivningar<span class=\"__14 _1ce\"> </span> och l\u00e5ga avs\u00e4<span class=\"__14 _b_13\"/>ttningar och \u00e5terf\u00f6ringar<span class=\"__14 _b_13\"/>. De individuella avs\u00e4<span class=\"__14 _1058\"/>tt<span class=\"__14 _1ce\"> </span>-<span class=\"__14 _1ce\"> </span>ningarna var in<span class=\"__14 _1058\"/>te koncen<span class=\"__14 _b_13\"/>trerade till n\u00e5gon speci\ufb01k bransch.<span class=\"__14 _1ce\"> </span>Ratingf<span class=\"__14 _b_13\"/>\u00f6rdelning, IRK f\u00f6retagskunder<span class=\"__14 _1ce\"> </span>1<span class=\"__14 _1ce\"> </span>1)   <span class=\"__14 _1069\"/>Faller<span class=\"__14 _b_13\"/>ade fordringar ing\u00e5r inte i ratingf<span class=\"__14 _b_13\"/>\u00f6rdelningen.<span class=\"__14 _1ce\"> </span>0<span class=\"__14 _1ce\"> </span>4<span class=\"__14 _1ce\"> </span>8<span class=\"__14 _1ce\"> </span>12<span class=\"__14 _1ce\"> </span>16<span class=\"__14 _1ce\"> </span>1-<span class=\"__14 _1254\"/><span class=\"ls0_14 ws0_14\">1<span class=\"__14 _1255\"/><span class=\"ls16_11 ws3c_5\">1+<span class=\"__14 _1256\"/><span class=\"ls0_14 ws0_14\">2-<span class=\"__14 _1255\"/>2<span class=\"__14 _19a\"/>2+<span class=\"__14 _19b\"/>3-<span class=\"__14 _1255\"/>3<span class=\"__14 _19a\"/>3+<span class=\"__14 _19c\"/>4-<span class=\"__14 _19a\"/>4<span class=\"__14 _19d\"/>4+<span class=\"__14 _19c\"/>5-<span class=\"__14 _1255\"/>5<span class=\"__14 _19a\"/>5+<span class=\"__14 _19c\"/>6-<span class=\"__14 _1255\"/>6<span class=\"__14 _19e\"/>6+<span class=\"__14 _1ce\"> </span></span></span></span>%<span class=\"__14 _1ce\"> </span>20222021<span class=\"__14 _1ce\"> </span>F\u00f6r<span class=\"__14 _b_13\"/>delning mellan riskklasser<span class=\"__14 _b_13\"/>, IRK privatkunder<span class=\"__14 _1ce\"> </span>1<span class=\"__14 _1ce\"> </span>1)   <span class=\"__14 _1069\"/>Faller<span class=\"__14 _b_13\"/>ade fordringar ing\u00e5r inte i f\u00f6r<span class=\"__14 _1058\"/>delningen mellan riskklasser<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>0<span class=\"__14 _1ce\"> </span>10<span class=\"__14 _1ce\"> </span>20<span class=\"__14 _1ce\"> </span>30<span class=\"__14 _1ce\"> </span>40<span class=\"__14 _1ce\"> </span>50<span class=\"__14 _1ce\"> </span>60<span class=\"__14 _1ce\"> </span>1-<span class=\"__14 _1254\"/><span class=\"ls0_14 ws0_14\">1<span class=\"__14 _1255\"/><span class=\"ls27_6 ws4e_3\">1+<span class=\"__14 _1256\"/><span class=\"ls0_14 ws0_14\">2-<span class=\"__14 _19f\"/>2<span class=\"__14 _19a\"/>2+<span class=\"__14 _19b\"/>3-<span class=\"__14 _1255\"/>3<span class=\"__14 _19a\"/>3+<span class=\"__14 _19b\"/>4-<span class=\"__14 _19a\"/>4<span class=\"__14 _19d\"/>4+<span class=\"__14 _19b\"/>5-<span class=\"__14 _1255\"/>5<span class=\"__14 _19d\"/>5+<span class=\"__14 _19b\"/>6-<span class=\"__14 _1255\"/>6<span class=\"__14 _1256\"/>6+<span class=\"__14 _1ce\"> </span></span></span></span>%<span class=\"__14 _1ce\"> </span>20222021<span class=\"__14 _1ce\"> </span>220<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>Redovisa<span class=\"__14 _b_13\"/>t v\u00e4rde f\u00f6r l\u00e5n v\u00e4r<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">derade till upplupet anskaffningsv</span><span class=\"__14 _1058\"/>\u00e4rde, f<span class=\"__14 _1058\"/>\u00f6re reserver<span class=\"__14 _1ce\"> </span>Centralbanker och kr<span class=\"__14 _b_13\"/>editinstitut<span class=\"__14 _15d_1\"> </span>Allm\u00e4nheten<span class=\"__14 _f9_6\"> </span>Summa<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _1073\"> </span>Kategori 2<span class=\"__14 _1f_10\"> </span>Kat<span class=\"__14 _b_13\"/>egori 3<span class=\"__14 _1157\"> </span>Summa<span class=\"__14 _1a0\"> </span>Kategori 1<span class=\"__14 _f_13\"> </span>Kategori 2<span class=\"__14 _1f_10\"> </span>Kat<span class=\"__14 _1058\"/>egori 3<span class=\"__14 _5d_6\"> </span>Summa<span class=\"__14 _1a1\"> </span>Kategori 1<span class=\"__14 _f_13\"> </span>Kategori 2<span class=\"__14 _1f_10\"> </span>Kat<span class=\"__14 _1058\"/>egori 3<span class=\"__14 _5d_6\"> </span>Summa<span class=\"__14 _1ce\"> </span>Ing\u00e5ende balans  per 1 jan 2022<span class=\"__14 _a4_6\"> </span>1 785<span class=\"__14 _7b_6\"> </span><span class=\"ls13_11 ws39_5\">14<span class=\"__14 _a1_6\"> </span></span>0<span class=\"__14 _3d_8\"> </span>1 7<span class=\"__14 _1072\"/>99<span class=\"__14 _1a2\"> </span>255 832<span class=\"__14 _6f_6\"> </span>12 7<span class=\"__14 _1072\"/>33<span class=\"__14 _1135\"> </span>3 5<span class=\"__14 _1058\"/>12<span class=\"__14 _5d_6\"> </span>27<span class=\"__14 _1072\"/>2 077<span class=\"__14 _3d_8\"> </span><span class=\"ls13_11 ws39_5\">2<span class=\"__14 _1072\"/>57 617<span class=\"__14 _5d_6\"> </span></span>12 747<span class=\"__14 _1127\"> </span>3 512<span class=\"__14 _5d_6\"> </span>273 876<span class=\"__14 _1ce\"> </span>Nya eller f\u00f6rv\u00e4rvade<span class=\"__14 _1ce\"> </span> l\u00e5nefordringar<span class=\"__14 _1156\"> </span>3 442<span class=\"__14 _1136\"> </span>1<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1135\"> </span>3 443<span class=\"__14 _3d_8\"> </span>87 051<span class=\"__14 _1115\"> </span>536<span class=\"__14 _5f_6\"> </span>81<span class=\"__14 _1223\"> </span>87 668<span class=\"__14 _3f_8\"> </span>90 493<span class=\"__14 _1154\"> </span>537<span class=\"__14 _5f_6\"> </span>81<span class=\"__14 _1096\"> </span>91 111<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar mellan<span class=\"__14 _1ce\"> </span> kategori 1 och 2,<span class=\"__14 _1ce\"> </span> netto<span class=\"__14 _1207\"> </span>5<span class=\"__14 _6a_6\"> </span>-5<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _1154\"> </span>-950<span class=\"__14 _8f_6\"> </span>950<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _a6_7\"> </span>-945<span class=\"__14 _8f_6\"> </span>945<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar mellan<span class=\"__14 _1ce\"> </span> kategori 2 och 3,<span class=\"__14 _1ce\"> </span> netto<span class=\"__14 _1085\"> </span>\u2013<span class=\"__14 _fc_7\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _1106\"> </span>\u2013<span class=\"__14 _1096\"> </span><span class=\"ls13_11 ws39_5\">-147<span class=\"__14 _1149\"> </span>147<span class=\"__14 _1156\"> </span></span>\u2013<span class=\"__14 _1102\"> </span>\u2013<span class=\"__14 _1096\"> </span><span class=\"ls13_11 ws39_5\">-147<span class=\"__14 _1149\"> </span>14<span class=\"__14 _1072\"/>7<span class=\"__14 _1156\"> </span></span>\u2013<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar mellan<span class=\"__14 _1ce\"> </span> kategori 1 och 3,<span class=\"__14 _1ce\"> </span> netto<span class=\"__14 _1a3\"> </span><span class=\"ls13_11 ws39_5\">-18<span class=\"__14 _1130\"> </span></span>\u2013<span class=\"__14 _1120\"> </span>18<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _8c_6\"> </span><span class=\"ls26_6 ws4c_3\">-23<span class=\"__14 _1072\"/>8<span class=\"__14 _1129\"> </span></span>\u2013<span class=\"__14 _1098\"> </span>238<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _a5_7\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _1072\"/>56<span class=\"__14 _1129\"> </span></span>\u2013<span class=\"__14 _1098\"> </span>2<span class=\"__14 _1072\"/>56<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _1ce\"> </span>\u00c5terbetalda eller<span class=\"__14 _1ce\"> </span> borttagna l\u00e5ne-<span class=\"__14 _1ce\"> </span>fordringar<span class=\"__14 _1092\"> </span>-3 562<span class=\"__14 _1113\"> </span><span class=\"ls28_6 ws4f_3\">-4<span class=\"__14 _a1_6\"> </span></span>0<span class=\"__14 _6f_6\"> </span>-3 566<span class=\"__14 _5d_6\"> </span>-58 471<span class=\"__14 _1a4\"> </span>-2 235<span class=\"__14 _3f_8\"> </span>-612<span class=\"__14 _1135\"> </span>-61 318<span class=\"__14 _3d_8\"> </span>-62 033<span class=\"__14 _5d_6\"> </span>-2 239<span class=\"__14 _3f_8\"> </span>-612<span class=\"__14 _5d_6\"> </span>-64 884<span class=\"__14 _1ce\"> </span>Bortskrivna<span class=\"__14 _1ce\"> </span> l\u00e5nefordringar<span class=\"__14 _16a\"> </span>\u2013<span class=\"__14 _1130\"> </span>\u2013<span class=\"__14 _7b_6\"> </span>-5<span class=\"__14 _7c_6\"> </span>-5<span class=\"__14 _da_6\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _3f_8\"> </span>-701<span class=\"__14 _7b_6\"> </span>-701<span class=\"__14 _1102\"> </span>\u2013<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _8b_6\"> </span>-706<span class=\"__14 _1118\"> </span>-706<span class=\"__14 _1ce\"> </span>\u00d6vriga f\u00f6r\u00e4ndringar<span class=\"__14 _1ce\"> </span>1<span class=\"__14 _1ce\"> </span>579<span class=\"__14 _1136\"> </span><span class=\"ls0_14 ws0_14\">1<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _8f_6\"> </span>580<span class=\"__14 _1a4\"> </span>-13 812<span class=\"__14 _a0_6\"> </span>1 199<span class=\"__14 _a0_6\"> </span>-383<span class=\"__14 _1127\"> </span>-12 996<span class=\"__14 _8b_6\"> </span>-13 233<span class=\"__14 _1223\"> </span>1 200<span class=\"__14 _a0_6\"> </span>-383<span class=\"__14 _3d_8\"> </span>-12 416<span class=\"__14 _1ce\"> </span></span>V<span class=\"__14 _b_13\"/>alutakurs-<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">differenser</span><span class=\"__14 _1142\"> </span><span class=\"ls13_11 ws39_5\">614<span class=\"__14 _1104\"> </span></span>0<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _1154\"> </span><span class=\"ls13_11 ws39_5\">6<span class=\"__14 _1072\"/>14<span class=\"__14 _8b_6\"> </span></span>-7 672<span class=\"__14 _1119\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _1072\"/>57<span class=\"__14 _1149\"> </span></span>-40<span class=\"__14 _5a_6\"> </span>-<span class=\"__14 _1058\"/>7 969<span class=\"__14 _1098\"> </span>-7 058<span class=\"__14 _1119\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _1072\"/>57<span class=\"__14 _1149\"> </span></span>-40<span class=\"__14 _3b_8\"> </span>-7 355<span class=\"__14 _1ce\"> </span>Utg\u00e5ende balans  per 31 dec 2022<span class=\"__14 _1136\"> </span>2 845<span class=\"__14 _1104\"> </span>7<span class=\"__14 _1120\"> </span>13<span class=\"__14 _1135\"> </span>2 865<span class=\"__14 _1a5\"> </span>261 7<span class=\"__14 _b_13\"/>40<span class=\"__14 _6f_6\"> </span>12 77<span class=\"__14 _1072\"/>9<span class=\"__14 _1a4\"> </span><span class=\"ls26_6 ws4c_3\">2<span class=\"__14 _1072\"/> 242<span class=\"__14 _1123\"> </span></span>276 761<span class=\"__14 _1074\"> </span>264 585<span class=\"__14 _6f_6\"> </span>12 786<span class=\"__14 _1a4\"> </span>2 255<span class=\"__14 _6f_6\"> </span>279 626<span class=\"__14 _1ce\"> </span>1)  \u00d6vriga f\u00f6r\u00e4ndringar a<span class=\"__14 _b_13\"/>vser fr\u00e4mst f\u00f6r\u00e4ndr<span class=\"__14 _1058\"/>at utnyttjande a<span class=\"__14 _1058\"/>v kreditramar som beviljats tidigar<span class=\"__14 _b_13\"/>e \u00e5r.<span class=\"__14 _1ce\"> </span>Centralbanker och kr<span class=\"__14 _b_13\"/>editinstitut<span class=\"__14 _1a6\"> </span>Allm\u00e4nheten<span class=\"__14 _f9_6\"> </span>Summa<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _f_13\"> </span>Kategori 2<span class=\"__14 _1f_10\"> </span>Kat<span class=\"__14 _1058\"/>egori 3<span class=\"__14 _1157\"> </span>Summa<span class=\"__14 _17f\"> </span>Kategori 1<span class=\"__14 _f_13\"> </span>Kategori 2<span class=\"__14 _1f_10\"> </span>Kategori 3<span class=\"__14 _6f_6\"> </span>Summa<span class=\"__14 _1a1\"> </span>Kategori 1<span class=\"__14 _f_13\"> </span>Kategori 2<span class=\"__14 _1f_10\"> </span>Kategori 3<span class=\"__14 _5d_6\"> </span>Summa<span class=\"__14 _1ce\"> </span>Ing\u00e5ende balans  per 1 jan 2021<span class=\"__14 _1111\"> </span>4 351<span class=\"__14 _7b_6\"> </span>58<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _1123\"> </span>4 409 <span class=\"__14 _1a7\"> </span>241 672<span class=\"__14 _6f_6\"> </span>13 782 <span class=\"__14 _1a5\"> </span>3 979 <span class=\"__14 _1a8\"> </span>259 433<span class=\"__14 _1123\"> </span>246 023<span class=\"__14 _1a2\"> </span>13 840<span class=\"__14 _1a4\"> </span>3 979 <span class=\"__14 _1a7\"> </span>263 84<span class=\"__14 _1072\"/>2<span class=\"__14 _1ce\"> </span>Nya eller f\u00f6rv\u00e4rvade<span class=\"__14 _1ce\"> </span> l\u00e5nefordringar<span class=\"__14 _be_7\"> </span>377<span class=\"__14 _1129\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _8c_6\"> </span>377<span class=\"__14 _1135\"> </span>68 158<span class=\"__14 _1117\"> </span>1 326<span class=\"__14 _1118\"> </span>83<span class=\"__14 _1117\"> </span>69 567<span class=\"__14 _5a_6\"> </span>68 535<span class=\"__14 _1117\"> </span>1 326<span class=\"__14 _1118\"> </span>83<span class=\"__14 _3d_8\"> </span>69 944<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar mellan<span class=\"__14 _1ce\"> </span> kategori 1 och 2,<span class=\"__14 _1ce\"> </span> netto<span class=\"__14 _1207\"> </span>0<span class=\"__14 _1129\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _1121\"> </span>-341<span class=\"__14 _1154\"> </span>341<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _7c_6\"> </span>-341<span class=\"__14 _1154\"> </span>341<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar mellan<span class=\"__14 _1ce\"> </span> kategori 2 och 3,<span class=\"__14 _1ce\"> </span> netto<span class=\"__14 _1085\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _da_6\"> </span>\u2013 <span class=\"__14 _a0_6\"> </span>-266<span class=\"__14 _1119\"> </span>266<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _1102\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>-266<span class=\"__14 _1119\"> </span>266<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar mellan<span class=\"__14 _1ce\"> </span> kategori 1 och 3,<span class=\"__14 _1ce\"> </span> netto<span class=\"__14 _1085\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _1118\"> </span><span class=\"ls13_11 ws39_5\">-152<span class=\"__14 _1129\"> </span></span>\u2013<span class=\"__14 _1149\"> </span>152<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _7c_6\"> </span><span class=\"ls13_11 ws39_5\">-1<span class=\"__14 _1072\"/>52<span class=\"__14 _1129\"> </span></span>\u2013<span class=\"__14 _1149\"> </span>152<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _1ce\"> </span>\u00c5terbetalda eller<span class=\"__14 _1ce\"> </span> borttagna l\u00e5ne-<span class=\"__14 _1ce\"> </span>fordringar<span class=\"__14 _16a\"> </span>-1 231<span class=\"__14 _8c_6\"> </span>-50 <span class=\"__14 _1118\"> </span><span class=\"ls26_6 ws4c_3\">-2 <span class=\"__14 _1a5\"> </span></span>-1 283 <span class=\"__14 _1a8\"> </span>-63 728<span class=\"__14 _6f_6\"> </span>-2 669<span class=\"__14 _1117\"> </span><span class=\"ls28_6 ws4f_3\">-443<span class=\"__14 _6f_6\"> </span></span>-66 840<span class=\"__14 _1135\"> </span>-64 959<span class=\"__14 _1123\"> </span>-2 719<span class=\"__14 _1117\"> </span>-445<span class=\"__14 _1127\"> </span>-68 123<span class=\"__14 _1ce\"> </span>Bortskrivna<span class=\"__14 _1ce\"> </span> l\u00e5nefordringar<span class=\"__14 _16a\"> </span>\u2013<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _1106\"> </span>\u2013 <span class=\"__14 _4c_6\"> </span>\u2013 <span class=\"__14 _1123\"> </span>-<span class=\"__14 _1072\"/>490<span class=\"__14 _1121\"> </span>-490<span class=\"__14 _1102\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _3d_8\"> </span>-<span class=\"__14 _1072\"/>490<span class=\"__14 _1121\"> </span>-490<span class=\"__14 _1ce\"> </span>\u00d6vriga f\u00f6r\u00e4ndringar<span class=\"__14 _1ce\"> </span>1<span class=\"__14 _1ce\"> </span>-1 601<span class=\"__14 _1129\"> </span>6<span class=\"__14 _1130\"> </span>2 <span class=\"__14 _1a9\"> </span>-1 593<span class=\"__14 _5a_6\"> </span>9 854<span class=\"__14 _8c_6\"> </span>165<span class=\"__14 _1149\"> </span>-85<span class=\"__14 _1096\"> </span>9 934<span class=\"__14 _1121\"> </span>8 253<span class=\"__14 _1121\"> </span><span class=\"ls13_11 ws39_5\">171<span class=\"__14 _8f_6\"> </span></span>-83<span class=\"__14 _1115\"> </span>8 341<span class=\"__14 _1ce\"> </span>V<span class=\"__14 _b_13\"/>alutakurs-<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">differenser</span><span class=\"__14 _1aa\"> </span>-111 <span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1115\"> </span>-<span class=\"__14 _b_13\"/>111<span class=\"__14 _7b_6\"> </span>369<span class=\"__14 _1113\"> </span>53<span class=\"__14 _1118\"> </span>50<span class=\"__14 _7c_6\"> </span>473<span class=\"__14 _fc_7\"> </span>2<span class=\"__14 _1072\"/>58<span class=\"__14 _a6_7\"> </span>54<span class=\"__14 _1118\"> </span>50<span class=\"__14 _7c_6\"> </span>362<span class=\"__14 _1ce\"> </span>Utg\u00e5ende balans  per 31 dec 2021<span class=\"__14 _8d_6\"> </span>1 785 <span class=\"__14 _1118\"> </span><span class=\"ls13_11 ws39_5\">14<span class=\"__14 _1072\"/> <span class=\"__14 _1113\"> </span></span>0<span class=\"__14 _3d_8\"> </span>1 799 <span class=\"__14 _1124\"> </span>2<span class=\"__14 _1072\"/>55 832<span class=\"__14 _6f_6\"> </span>12 7<span class=\"__14 _1072\"/>33<span class=\"__14 _1127\"> </span>3 512<span class=\"__14 _1074\"> </span>27<span class=\"__14 _1072\"/>2 077<span class=\"__14 _3d_8\"> </span><span class=\"ls13_11 ws39_5\">257 6<span class=\"__14 _1072\"/>17<span class=\"__14 _5d_6\"> </span></span>12 7<span class=\"__14 _b_13\"/>47<span class=\"__14 _1135\"> </span>3 512<span class=\"__14 _6f_6\"> </span>27<span class=\"__14 _1072\"/>3 876<span class=\"__14 _1ce\"> </span>1)  \u00d6vriga f\u00f6r\u00e4ndringar a<span class=\"__14 _b_13\"/>vser fr\u00e4mst \u00f6kat utnyttjande a<span class=\"__14 _1058\"/>v kreditramar som beviljats tidigar<span class=\"__14 _b_13\"/>e \u00e5r<span class=\"__14 _1ce\"> </span>.<span class=\"__14 _1ce\"> </span>Reserveringarna enligt ledningens bed\u00f6mning minskade<span class=\"__14 _1ce\"> </span> med 25 mn euro under \u00e5ret, fr\u00e5n 610 mn euro till 585 mn<span class=\"__14 _1ce\"> </span> euro. De cykliska r<span class=\"__14 _1058\"/>eserveringarna enligt ledningens bed\u00f6m-<span class=\"__14 _1ce\"> </span>ning uppgick till 430 mn euro vid \u00e5rets slut, ner fr\u00e5n 455 mn<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">euro. Under fj\u00e4rde kv</span><span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>talet 2022 gjordes en ny ber<span class=\"__14 _b_13\"/>\u00e4kning av<span class=\"__14 _1ce\"> </span> de cykliska reserveringarna enligt ledningens bed\u00f6mning<span class=\"__14 _1ce\"> </span> mot bakgrund a<span class=\"__14 _b_13\"/>v de extraordin\u00e4r<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">a effekterna a</span><span class=\"__14 _b_13\"/>v h\u00f6gre<span class=\"__14 _1ce\"> </span> energi- och levnadskos<span class=\"__14 _b_13\"/>tnader, sam<span class=\"__14 _b_13\"/>tidigt som mindre h\u00e4nsyn<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">togs till eff</span><span class=\"__14 _1058\"/>ekter orsakade a<span class=\"__14 _b_13\"/>v pandemin. Reserveringarnas till-<span class=\"__14 _1ce\"> </span>r\u00e4cklighet analys<span class=\"__14 _1058\"/>erades utifr<span class=\"__14 _b_13\"/>\u00e5n hur h\u00f6gre kostnader och l\u00e4gre<span class=\"__14 _1ce\"> </span> konsumtion sk<span class=\"__14 _b_13\"/>ulle kunna sl\u00e5 mot olika sekt<span class=\"__14 _1058\"/>orer i n\u00e4ringslivet.<span class=\"__14 _1ce\"> </span> De struk<span class=\"__14 _1058\"/>turella reserveringarna enligt ledningens bed\u00f6mning<span class=\"__14 _1ce\"> </span> l\u00e4mnades of<span class=\"__14 _1058\"/>\u00f6r\u00e4ndrade p\u00e5 155 mn eur<span class=\"__14 _b_13\"/>o och avser planerade<span class=\"__14 _1ce\"> </span> f\u00f6rb\u00e4<span class=\"__14 _b_13\"/>ttringar av modeller och processer f<span class=\"__14 _b_13\"/>\u00f6r avs\u00e4ttningar<span class=\"__14 _1c_10\"/>.<span class=\"__14 _1ce\"> </span>Kreditf<span class=\"__14 _1058\"/>\u00f6rluster och n<span class=\"__14 _1058\"/>yckel<span class=\"__14 _b_13\"/>tal<span class=\"__14 _1ce\"> </span>2022<span class=\"__14 _1124\"> </span>2021<span class=\"__14 _1ce\"> </span>Kreditf\u00f6rl<span class=\"__14 _1058\"/>uster<span class=\"__14 _b_13\"/>, mn euro<span class=\"__14 _3e_8\"> </span>112<span class=\"__14 _1a9\"> </span>118<span class=\"__14 _1ce\"> </span>Kreditf\u00f6rl<span class=\"__14 _1058\"/>ustrelation nett<span class=\"__14 _1058\"/>o, upplupet  <span class=\"__14 _1ce\">anskaffningsv\u00e4r</span><span class=\"__14 _b_13\"/>de, koncernen, punkter<span class=\"__14 _15d_1\"> </span>4<span class=\"__14 _1096\"> </span>4<span class=\"__14 _1ce\"> </span>- vara<span class=\"__14 _b_13\"/>v kategori 3<span class=\"__14 _df_6\"> </span>3<span class=\"__14 _1117\"> </span>12<span class=\"__14 _1ce\"> </span>- vara<span class=\"__14 _b_13\"/>v kategori 1 och 2<span class=\"__14 _1126\"> </span>1<span class=\"__14 _1223\"> </span>-8<span class=\"__14 _1ce\"> </span>Kreditf\u00f6rl<span class=\"__14 _1058\"/>ustrelation nett<span class=\"__14 _1058\"/>o, inklusive h<span class=\"__14 _1058\"/>ypoteksl\u00e5n  till verkligt v\u00e4rde, k<span class=\"__14 _1058\"/>oncernen, punkt<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">er1</span><span class=\"__14 _1172\"> </span>4<span class=\"__14 _8f_6\"> </span>1<span class=\"__14 _1ce\"> </span>Kreditf\u00f6rl<span class=\"__14 _1058\"/>ustrelation nett<span class=\"__14 _1058\"/>o, inklusive h<span class=\"__14 _1058\"/>ypoteksl\u00e5n  till verkligt v\u00e4rde, P<span class=\"__14 _b_13\"/>ersonal Banking, punkter<span class=\"__14 _1088\"> </span>3<span class=\"__14 _1115\"> </span>1<span class=\"__14 _1ce\"> </span>Kreditf\u00f6rl<span class=\"__14 _1058\"/>ustrelation nett<span class=\"__14 _1058\"/>o, inklusive h<span class=\"__14 _1058\"/>ypoteksl\u00e5n  till verkligt v\u00e4rde, Business Banking, punk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1088\"> </span>5<span class=\"__14 _1096\"> </span>0<span class=\"__14 _1ce\"> </span>Kreditf\u00f6rl<span class=\"__14 _1058\"/>ustrelation nett<span class=\"__14 _1058\"/>o, inklusive h<span class=\"__14 _1058\"/>ypoteksl\u00e5n till<span class=\"__14 _1ce\"> </span> verkligt v\u00e4rde, L<span class=\"__14 _1058\"/>arge Corpora<span class=\"__14 _1058\"/>tes &amp; Institutions, punk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _3b_8\"> </span>-9<span class=\"__14 _1149\"> </span>2<span class=\"__14 _1ce\"> </span>1)  Kreditf\u00f6rlust<span class=\"__14 _1058\"/>er och nettoresulta<span class=\"__14 _1058\"/>t av utl\u00e5ning i portf\u00f6ljer som h\u00e5lls till f<span class=\"__14 _b_13\"/>\u00f6rfall och obl-<span class=\"__14 _1ce\"> </span>ligatoriskt v<span class=\"__14 _b_13\"/>\u00e4rderas till verkligt v\u00e4rde dividerat med to<span class=\"__14 _b_13\"/>tal utl\u00e5ning v\u00e4rderad till upp-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">lupet anskaffningsv\u00e4r</span><span class=\"__14 _b_13\"/>de och verkligt v\u00e4rde, punkter<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>221<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>Centralbanker och kr<span class=\"__14 _b_13\"/>editinstitut<span class=\"__14 _1225\"> </span>Allm\u00e4nheten<span class=\"__14 _8a_6\"> </span>Summa<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _1f_10\"> </span>Kategori 2<span class=\"__14 _1f_10\"> </span>Kat<span class=\"__14 _1058\"/>egori 3<span class=\"__14 _1076\"> </span>Summa<span class=\"__14 _a_13\"> </span>Kategori 1<span class=\"__14 _1ab\"> </span>Kategori 2<span class=\"__14 _1ac\"> </span>Kategori 3<span class=\"__14 _1a2\"> </span>Summa<span class=\"__14 _e_13\"> </span>Kategori 1<span class=\"__14 _1ab\"> </span>Kategori 2<span class=\"__14 _1ac\"> </span>Kategori 3<span class=\"__14 _1a2\"> </span>Summa<span class=\"__14 _1ce\"> </span>Ing\u00e5ende balans  per 1 jan 2021<span class=\"__14 _1ad\"> </span>-3<span class=\"__14 _1113\"> </span><span class=\"ls13_11 ws39_5\">-1 <span class=\"__14 _1113\"> </span></span>0<span class=\"__14 _3d_8\"> </span><span class=\"ls28_6 ws4f_3\">-4<span class=\"__14 _1119\"> </span></span>-281<span class=\"__14 _1a4\"> </span><span class=\"ls28_6 ws4f_3\">-489<span class=\"__14 _a0_6\"> </span></span>-1 674<span class=\"__14 _1135\"> </span>-2 444<span class=\"__14 _5a_6\"> </span>-284<span class=\"__14 _1a4\"> </span>-490<span class=\"__14 _8b_6\"> </span>-1 67<span class=\"__14 _1058\"/>4<span class=\"__14 _3d_8\"> </span>-<span class=\"__14 _b_13\"/>2 448<span class=\"__14 _1ce\"> </span>Nya eller f\u00f6rv\u00e4rvade<span class=\"__14 _1ce\"> </span> l\u00e5nefordringar<span class=\"__14 _4a_6\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _1130\"> </span></span>0<span class=\"__14 _7c_6\"> </span>\u2013<span class=\"__14 _a0_6\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _1118\"> </span><span class=\"ls13_11 ws39_5\">-51<span class=\"__14 _1096\"> </span></span>-22<span class=\"__14 _1147\"> </span></span>-8<span class=\"__14 _7c_6\"> </span>-81<span class=\"__14 _1121\"> </span>-53<span class=\"__14 _1098\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _1072\"/>2<span class=\"__14 _1147\"> </span></span>-8<span class=\"__14 _a5_7\"> </span>-83<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori<span class=\"__14 _1ce\"> </span> 1 till kategori 2<span class=\"__14 _1ad\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>0<span class=\"__14 _1136\"> </span>9<span class=\"__14 _1ae\"> </span>-108<span class=\"__14 _1106\"> </span>\u2013<span class=\"__14 _a5_7\"> </span>-99<span class=\"__14 _1136\"> </span>9<span class=\"__14 _1135\"> </span>-108<span class=\"__14 _1106\"> </span>\u2013<span class=\"__14 _a5_7\"> </span>-99<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori<span class=\"__14 _1ce\"> </span> 1 till kategori 3<span class=\"__14 _1ad\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>0<span class=\"__14 _1148\"> </span>1<span class=\"__14 _a6_7\"> </span>\u2013<span class=\"__14 _6a_6\"> </span>-33<span class=\"__14 _7c_6\"> </span>-32<span class=\"__14 _1147\"> </span>1<span class=\"__14 _1113\"> </span>\u2013<span class=\"__14 _7c_6\"> </span>-33<span class=\"__14 _6a_6\"> </span>-32<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori<span class=\"__14 _1ce\"> </span> 2 till kategori 1<span class=\"__14 _1ad\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>0<span class=\"__14 _7c_6\"> </span>-3<span class=\"__14 _5a_6\"> </span>100<span class=\"__14 _da_6\"> </span>\u2013<span class=\"__14 _1129\"> </span><span class=\"ls29_6 ws50_3\">97<span class=\"__14 _4c_6\"> </span></span>-3<span class=\"__14 _5a_6\"> </span>100<span class=\"__14 _1106\"> </span>\u2013<span class=\"__14 _1129\"> </span><span class=\"ls29_6 ws50_3\">97<span class=\"__14 _1ce\"> </span></span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori<span class=\"__14 _1ce\"> </span> 2 till kategori 3<span class=\"__14 _1214\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _5a_6\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _1154\"> </span>28<span class=\"__14 _1118\"> </span><span class=\"ls13_11 ws39_5\">-152<span class=\"__14 _1121\"> </span><span class=\"ls26_6 ws4c_3\">-1<span class=\"__14 _1072\"/>24<span class=\"__14 _1129\"> </span></span></span>\u2013<span class=\"__14 _1154\"> </span>28<span class=\"__14 _1118\"> </span><span class=\"ls13_11 ws39_5\">-152<span class=\"__14 _1121\"> </span><span class=\"ls26_6 ws4c_3\">-1<span class=\"__14 _1072\"/>24<span class=\"__14 _1ce\"> </span></span></span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori<span class=\"__14 _1ce\"> </span> 3 till kategori 1<span class=\"__14 _2f_8\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>\u2013<span class=\"__14 _a1_6\"> </span><span class=\"ls13_11 ws39_5\">-1<span class=\"__14 _1113\"> </span></span>\u2013<span class=\"__14 _1136\"> </span>22<span class=\"__14 _1147\"> </span>21<span class=\"__14 _4c_6\"> </span><span class=\"ls13_11 ws39_5\">-1<span class=\"__14 _1113\"> </span></span>\u2013<span class=\"__14 _1136\"> </span>22<span class=\"__14 _1147\"> </span>21<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori<span class=\"__14 _1ce\"> </span> 3 till kategori 2<span class=\"__14 _1214\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _5a_6\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _5f_6\"> </span><span class=\"ls13_11 ws39_5\">-1<span class=\"__14 _1129\"> </span></span>38<span class=\"__14 _1136\"> </span>37<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _5f_6\"> </span><span class=\"ls13_11 ws39_5\">-1<span class=\"__14 _1104\"> </span></span>38<span class=\"__14 _1136\"> </span>37<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndringar i kr<span class=\"__14 _1058\"/>edit-<span class=\"__14 _1ce\"> </span> risk utan \u00f6verf\u00f6ringar<span class=\"__14 _1ce\"> </span> mellan kategorier<span class=\"__14 _15a_1\"> </span>0<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _3b_8\"> </span>0<span class=\"__14 _1113\"> </span><span class=\"ls29_6 ws50_3\">97<span class=\"__14 _8c_6\"> </span></span>22<span class=\"__14 _1121\"> </span><span class=\"ls13_11 ws39_5\">-12<span class=\"__14 _1072\"/>5<span class=\"__14 _1147\"> </span></span>-6<span class=\"__14 _1113\"> </span><span class=\"ls29_6 ws50_3\">97<span class=\"__14 _8c_6\"> </span></span>22<span class=\"__14 _1118\"> </span><span class=\"ls13_11 ws39_5\">-125<span class=\"__14 _1147\"> </span></span>-6<span class=\"__14 _1ce\"> </span>\u00c5terbetalda eller s\u00e5lda<span class=\"__14 _1ce\"> </span> l\u00e5nefordringar<span class=\"__14 _1222\"> </span>2<span class=\"__14 _1104\"> </span>1<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _3b_8\"> </span>3 <span class=\"__14 _5f_6\"> </span>37<span class=\"__14 _8c_6\"> </span><span class=\"ls2a_6 ws51_3\">72<span class=\"__14 _1130\"> </span></span>89<span class=\"__14 _a6_7\"> </span>198<span class=\"__14 _1113\"> </span>39<span class=\"__14 _8c_6\"> </span><span class=\"ls2b_6 ws52_3\">73<span class=\"__14 _1130\"> </span></span>89<span class=\"__14 _a5_7\"> </span>201<span class=\"__14 _1ce\"> </span>Bortskrivna l\u00e5ne-<span class=\"__14 _1ce\"> </span>fordringar med minskning<span class=\"__14 _1ce\"> </span> av reserver<span class=\"__14 _1af\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _5a_6\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _a6_7\"> </span>\u2013<span class=\"__14 _7b_6\"> </span>260<span class=\"__14 _1120\"> </span>260<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _1113\"> </span>\u2013<span class=\"__14 _1120\"> </span>260<span class=\"__14 _1120\"> </span>260<span class=\"__14 _1ce\"> </span>V<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">alutakursdifferenser</span><span class=\"__14 _1200\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>0<span class=\"__14 _4c_6\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _5f_6\"> </span><span class=\"ls13_11 ws39_5\">-1<span class=\"__14 _4c_6\"> </span></span>-27<span class=\"__14 _6a_6\"> </span></span>-30<span class=\"__14 _4c_6\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _5f_6\"> </span><span class=\"ls13_11 ws39_5\">-1<span class=\"__14 _4c_6\"> </span></span>-27<span class=\"__14 _6a_6\"> </span></span>-30<span class=\"__14 _1ce\"> </span>Utg\u00e5ende balans  per 31 dec 2021<span class=\"__14 _1ce\"> </span>-3<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _1223\"> </span>-3<span class=\"__14 _3b_8\"> </span>-194<span class=\"__14 _1127\"> </span>-399<span class=\"__14 _a0_6\"> </span>-1 610<span class=\"__14 _1117\"> </span>-2 203<span class=\"__14 _1119\"> </span><span class=\"ls13_11 ws39_5\">-197<span class=\"__14 _1135\"> </span></span>-399<span class=\"__14 _a0_6\"> </span>-1 610<span class=\"__14 _1223\"> </span>-2 206<span class=\"__14 _1ce\"> </span>T<span class=\"__14 _1c_10\"/>abellerna visar f\u00f6r\u00e4ndringar i e<span class=\"__14 _b_13\"/>xponering/reserver f\u00f6r v<span class=\"__14 _b_13\"/>arje kategori under \u00e5ret. Om en exponering \u00f6verf<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>s fr\u00e5n ka<span class=\"__14 _b_13\"/>tegori 1 till<span class=\"__14 _1ce\"> </span> kategori 2, g\u00f6rs en \u00e5t<span class=\"__14 _1058\"/>erf\u00f6ring i kat<span class=\"__14 _b_13\"/>egori 1 och en \u00f6kning i kategori 2.<span class=\"__14 _1ce\"> </span>F\u00f6r<span class=\"__14 _b_13\"/>\u00e4ndring av reserver f<span class=\"__14 _b_13\"/>\u00f6r l\u00e5n v\u00e4rderade till upplupet anska<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ffningsv\u00e4rde<span class=\"__14 _1ce\"> </span></span>Centralbanker och kr<span class=\"__14 _b_13\"/>editinstitut<span class=\"__14 _1225\"> </span>Allm\u00e4nheten<span class=\"__14 _8a_6\"> </span>Summa<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _1f_10\"> </span>Kategori 2<span class=\"__14 _1f_10\"> </span>Kat<span class=\"__14 _1058\"/>egori 3<span class=\"__14 _1076\"> </span>Summa<span class=\"__14 _a_13\"> </span>Kategori 1<span class=\"__14 _1ab\"> </span>Kategori 2<span class=\"__14 _1ac\"> </span>Kategori 3<span class=\"__14 _1a2\"> </span>Summa<span class=\"__14 _e_13\"> </span>Kategori 1<span class=\"__14 _1ab\"> </span>Kategori 2<span class=\"__14 _1ac\"> </span>Kategori 3<span class=\"__14 _1a2\"> </span>Summa<span class=\"__14 _1ce\"> </span>Ing\u00e5ende balans  per 1 jan 2022<span class=\"__14 _2f_8\"> </span>-3<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _1117\"> </span>-3<span class=\"__14 _4e_6\"> </span>-194<span class=\"__14 _1127\"> </span>-399<span class=\"__14 _8b_6\"> </span>-1 610<span class=\"__14 _1117\"> </span>-2 203<span class=\"__14 _3b_8\"> </span><span class=\"ls13_11 ws39_5\">-1<span class=\"__14 _1072\"/>97<span class=\"__14 _1127\"> </span></span>-399<span class=\"__14 _8b_6\"> </span>-1 610<span class=\"__14 _1223\"> </span>-2 206<span class=\"__14 _1ce\"> </span>Nya eller f\u00f6rv\u00e4rvade<span class=\"__14 _1ce\"> </span> l\u00e5nefordringar<span class=\"__14 _4a_6\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _1130\"> </span></span>0<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _1117\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _8c_6\"> </span></span>-69<span class=\"__14 _3b_8\"> </span>-30<span class=\"__14 _1147\"> </span>-8<span class=\"__14 _1121\"> </span>-107<span class=\"__14 _5f_6\"> </span><span class=\"ls2c_6 ws53_3\">-71<span class=\"__14 _3b_8\"> </span></span>-30<span class=\"__14 _1147\"> </span>-8<span class=\"__14 _8c_6\"> </span>-109<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori 1<span class=\"__14 _1ce\"> </span> till kategori 2<span class=\"__14 _1225\"> </span>0<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>0<span class=\"__14 _1136\"> </span>4<span class=\"__14 _3b_8\"> </span><span class=\"ls29_6 ws50_3\">-<span class=\"__14 _1072\"/>97<span class=\"__14 _1106\"> </span></span>\u2013<span class=\"__14 _6a_6\"> </span>-93<span class=\"__14 _1136\"> </span>4<span class=\"__14 _3b_8\"> </span><span class=\"ls29_6 ws50_3\">-<span class=\"__14 _1072\"/>97<span class=\"__14 _1106\"> </span></span>\u2013<span class=\"__14 _6a_6\"> </span>-93<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori 1<span class=\"__14 _1ce\"> </span> till kategori 3<span class=\"__14 _1225\"> </span>0<span class=\"__14 _7c_6\"> </span>\u2013<span class=\"__14 _a6_7\"> </span>-5<span class=\"__14 _1223\"> </span>-5<span class=\"__14 _1148\"> </span>1<span class=\"__14 _a6_7\"> </span>\u2013<span class=\"__14 _1113\"> </span>-60<span class=\"__14 _6a_6\"> </span>-59<span class=\"__14 _1148\"> </span>1<span class=\"__14 _a6_7\"> </span>\u2013<span class=\"__14 _a5_7\"> </span>-65<span class=\"__14 _a5_7\"> </span>-64<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori 2<span class=\"__14 _1ce\"> </span> till kategori 1<span class=\"__14 _1b0\"> </span>0<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _3b_8\"> </span>0<span class=\"__14 _7c_6\"> </span>-5<span class=\"__14 _1154\"> </span><span class=\"ls13_11 ws39_5\">76<span class=\"__14 _da_6\"> </span></span>\u2013<span class=\"__14 _1147\"> </span>71<span class=\"__14 _7c_6\"> </span>-5<span class=\"__14 _8c_6\"> </span><span class=\"ls13_11 ws39_5\">76<span class=\"__14 _1106\"> </span></span>\u2013<span class=\"__14 _1147\"> </span>71<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori 2<span class=\"__14 _1ce\"> </span> till kategori 3<span class=\"__14 _1210\"> </span>\u2013<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _4e_6\"> </span>0<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _8c_6\"> </span>10<span class=\"__14 _a5_7\"> </span>-89<span class=\"__14 _6a_6\"> </span><span class=\"ls2c_6 ws53_3\">-7<span class=\"__14 _1072\"/>9<span class=\"__14 _1129\"> </span></span>\u2013<span class=\"__14 _8c_6\"> </span>10<span class=\"__14 _a5_7\"> </span>-89<span class=\"__14 _7c_6\"> </span><span class=\"ls2c_6 ws53_3\">-79<span class=\"__14 _1ce\"> </span></span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori 3<span class=\"__14 _1ce\"> </span> till kategori 1<span class=\"__14 _1225\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>\u2013<span class=\"__14 _1129\"> </span>0<span class=\"__14 _1113\"> </span>\u2013<span class=\"__14 _1136\"> </span>27<span class=\"__14 _1136\"> </span>27<span class=\"__14 _1129\"> </span>0<span class=\"__14 _1113\"> </span>\u2013<span class=\"__14 _1136\"> </span>27<span class=\"__14 _1136\"> </span>27<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori 3<span class=\"__14 _1ce\"> </span> till kategori 2<span class=\"__14 _1b1\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _5a_6\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _1121\"> </span>-6<span class=\"__14 _1129\"> </span>29<span class=\"__14 _1129\"> </span><span class=\"ls28_6 ws4f_3\">23<span class=\"__14 _1104\"> </span></span>\u2013<span class=\"__14 _1121\"> </span>-6<span class=\"__14 _1129\"> </span>29<span class=\"__14 _1136\"> </span><span class=\"ls28_6 ws4f_3\">23<span class=\"__14 _1ce\"> </span></span>F\u00f6r\u00e4ndringar i kr<span class=\"__14 _1058\"/>edit-<span class=\"__14 _1ce\"> </span> risk utan \u00f6verf\u00f6ringar<span class=\"__14 _1ce\"> </span> mellan kategorier<span class=\"__14 _15a_1\"> </span>0<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _1115\"> </span><span class=\"ls26_6 ws4c_3\">-20<span class=\"__14 _1a9\"> </span>-2<span class=\"__14 _1072\"/>0<span class=\"__14 _7c_6\"> </span></span>-3<span class=\"__14 _3b_8\"> </span>-46<span class=\"__14 _7c_6\"> </span><span class=\"ls13_11 ws39_5\">-18<span class=\"__14 _7c_6\"> </span></span>-67<span class=\"__14 _7c_6\"> </span>-3<span class=\"__14 _4e_6\"> </span>-46<span class=\"__14 _a5_7\"> </span>-38<span class=\"__14 _6a_6\"> </span>-87<span class=\"__14 _1ce\"> </span>\u00c5terbetalda eller s\u00e5lda<span class=\"__14 _1ce\"> </span> l\u00e5nefordringar<span class=\"__14 _1103\"> </span>1<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _1098\"> </span>1<span class=\"__14 _1113\"> </span>45<span class=\"__14 _1115\"> </span>80<span class=\"__14 _a5_7\"> </span><span class=\"ls13_11 ws39_5\">176<span class=\"__14 _1113\"> </span></span>301<span class=\"__14 _7b_6\"> </span>46<span class=\"__14 _1115\"> </span>80<span class=\"__14 _a5_7\"> </span><span class=\"ls13_11 ws39_5\">176<span class=\"__14 _a6_7\"> </span></span>302<span class=\"__14 _1ce\"> </span>Bortskrivna l\u00e5ne-fordringar<span class=\"__14 _1ce\"> </span> med minskning av reserver<span class=\"__14 _fc_7\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>\u2013<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _1113\"> </span>\u2013<span class=\"__14 _1120\"> </span>509<span class=\"__14 _1120\"> </span>509<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _a6_7\"> </span>\u2013<span class=\"__14 _1120\"> </span>509<span class=\"__14 _1120\"> </span>509<span class=\"__14 _1ce\"> </span>V<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">alutakursdifferenser</span><span class=\"__14 _1200\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _4e_6\"> </span>0<span class=\"__14 _1136\"> </span>5<span class=\"__14 _a5_7\"> </span>4<span class=\"__14 _1129\"> </span><span class=\"ls26_6 ws4c_3\">24<span class=\"__14 _1136\"> </span></span>33<span class=\"__14 _1136\"> </span>5<span class=\"__14 _1113\"> </span>4<span class=\"__14 _1136\"> </span><span class=\"ls26_6 ws4c_3\">24<span class=\"__14 _1129\"> </span></span>33<span class=\"__14 _1ce\"> </span>Utg\u00e5ende balans  per 31 dec 2022<span class=\"__14 _1ce\"> </span>-4<span class=\"__14 _7c_6\"> </span><span class=\"ls0_14 ws0_14\">\u2013<span class=\"__14 _1115\"> </span><span class=\"ls26_6 ws4c_3\">-25<span class=\"__14 _1a9\"> </span>-2<span class=\"__14 _1072\"/>9<span class=\"__14 _1119\"> </span></span>-216<span class=\"__14 _1a4\"> </span>-408<span class=\"__14 _1117\"> </span>-1 020<span class=\"__14 _1223\"> </span>-1 644<span class=\"__14 _4e_6\"> </span>-220<span class=\"__14 _1a4\"> </span>-<span class=\"__14 _1072\"/>408<span class=\"__14 _1223\"> </span>-1 045<span class=\"__14 _8b_6\"> </span>-1 673<span class=\"__14 _1ce\"> </span></span>222<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>F\u00f6r<span class=\"__14 _b_13\"/>\u00e4ndring i avs\u00e4ttningar f<span class=\"__14 _b_13\"/>\u00f6r garantier<span class=\"__14 _b_13\"/>/<span class=\"__14 _b_13\"/>\u00e5taganden<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1b2\"> </span>Kategori 1<span class=\"__14 _1a2\"> </span>Kategori 2<span class=\"__14 _1a5\"> </span>Ka<span class=\"__14 _b_13\"/>tegori 3<span class=\"__14 _8f_6\"> </span>Summa<span class=\"__14 _1ce\"> </span>Ing\u00e5ende balans per 1 jan 2022<span class=\"__14 _1b3\"> </span>35<span class=\"__14 _aa_6\"> </span>128<span class=\"__14 _14f_2\"> </span>20<span class=\"__14 _aa_6\"> </span>183<span class=\"__14 _1ce\"> </span>Nya eller f\u00f6rv\u00e4rvade e<span class=\"__14 _b_13\"/>xponeringar<span class=\"__14 _1b4\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1151\"> </span></span>12<span class=\"__14 _8e_6\"> </span>0<span class=\"__14 _7e_6\"> </span>29<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 1 till kategori 2<span class=\"__14 _1231\"> </span><span class=\"ls14_11 ws3a_5\">-1<span class=\"__14 _14f_2\"> </span></span>28<span class=\"__14 _1ce\"> </span>\u2013<span class=\"__14 _1132\"> </span><span class=\"fs0_14\">27<span class=\"__14 _1ce\"> </span></span>\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 1 till kategori 3<span class=\"__14 _17b\"> </span>0<span class=\"__14 _1ce\"> </span>\u2013<span class=\"__14 _6c_6\"> </span><span class=\"fs0_14\">2<span class=\"__14 _1153\"> </span>2<span class=\"__14 _1ce\"> </span></span>\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 2 till kategori 1<span class=\"__14 _1b5\"> </span>1<span class=\"__14 _1152\"> </span>-32<span class=\"__14 _1ce\"> </span>\u2013<span class=\"__14 _1102\"> </span><span class=\"fs0_14\">-31<span class=\"__14 _1ce\"> </span></span>\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 2 till kategori 3<span class=\"__14 _1ce\"> </span>\u2013<span class=\"__14 _b5_7\"> </span><span class=\"fs0_14 ls14_11 ws3a_5\">-1<span class=\"__14 _6c_6\"> </span></span><span class=\"fs0_14\">2<span class=\"__14 _a7_7\"> </span>1<span class=\"__14 _1ce\"> </span></span>\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 3 till kategori 1<span class=\"__14 _17b\"> </span>0<span class=\"__14 _1ce\"> </span>\u2013<span class=\"__14 _1101\"> </span><span class=\"fs0_14 ls16_11 ws3c_5\">-2<span class=\"__14 _1101\"> </span>-2<span class=\"__14 _1ce\"> </span></span>\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 3 till kategori 2<span class=\"__14 _17a\"> </span>\u2013<span class=\"__14 _a7_7\"> </span>1<span class=\"__14 _1101\"> </span>-3<span class=\"__14 _1101\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1ce\"> </span></span>F\u00f6r\u00e4ndringar i kr<span class=\"__14 _b_13\"/>editrisk utan \u00f6verf\u00f6ringar mellan kategorier<span class=\"__14 _1b6\"> </span>9<span class=\"__14 _8e_6\"> </span>4<span class=\"__14 _1153\"> </span>9<span class=\"__14 _1132\"> </span>22<span class=\"__14 _1ce\"> </span>\u00c5terbetalda eller s\u00e5lda l\u00e5nef<span class=\"__14 _1058\"/>ordringar<span class=\"__14 _1b7\"> </span><span class=\"ls14_11 ws3a_5\">-10<span class=\"__14 _1102\"> </span><span class=\"ls16_11 ws3c_5\">-27<span class=\"__14 _c3_6\"> </span>-2<span class=\"__14 _9b_6\"> </span></span></span>-39<span class=\"__14 _1ce\"> </span>Bortskrivna l\u00e5nefordringar med minskning a<span class=\"__14 _b_13\"/>v reserver<span class=\"__14 _1ce\"> </span>0<span class=\"__14 _6c_6\"> </span>0<span class=\"__14 _1151\"> </span><span class=\"fs0_14\">-3<span class=\"__14 _1101\"> </span>-3<span class=\"__14 _1ce\"> </span></span>V<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">alutakursdifferenser</span><span class=\"__14 _1b8\"> </span><span class=\"ls14_11 ws3a_5\">-1<span class=\"__14 _1101\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1153\"> </span></span></span>0<span class=\"__14 _1151\"> </span>-3<span class=\"__14 _1ce\"> </span>Utg\u00e5ende balans per 31 dec 2022<span class=\"__14 _1b9\"> </span>50<span class=\"__14 _1109\"> </span>111<span class=\"__14 _7e_6\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _b7_7\"> </span></span>184<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1b2\"> </span>Kategori 1<span class=\"__14 _1a2\"> </span>Kategori 2<span class=\"__14 _1a5\"> </span>Ka<span class=\"__14 _b_13\"/>tegori 3<span class=\"__14 _8f_6\"> </span>Summa<span class=\"__14 _1ce\"> </span>Ing\u00e5ende balans per 1 jan 2021<span class=\"__14 _1ba\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _b7_7\"> </span></span>138<span class=\"__14 _14f_2\"> </span>26<span class=\"__14 _b7_7\"> </span>236<span class=\"__14 _1ce\"> </span>Nya eller f\u00f6rv\u00e4rvade e<span class=\"__14 _b_13\"/>xponeringar<span class=\"__14 _1bb\"> </span>7<span class=\"__14 _6c_6\"> </span>7<span class=\"__14 _8e_6\"> </span>0<span class=\"__14 _e2_6\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1ce\"> </span></span>\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 1 till kategori 2<span class=\"__14 _1232\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _9a_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _1ce\"> </span></span></span>\u2013<span class=\"__14 _14f_2\"> </span><span class=\"fs0_14\">46<span class=\"__14 _1ce\"> </span></span>\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 1 till kategori 3<span class=\"__14 _17b\"> </span>0<span class=\"__14 _1ce\"> </span>\u2013<span class=\"__14 _6c_6\"> </span><span class=\"fs0_14\">2<span class=\"__14 _1153\"> </span>2<span class=\"__14 _1ce\"> </span></span>\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 2 till kategori 1<span class=\"__14 _17b\"> </span>0<span class=\"__14 _1156\"> </span>-44<span class=\"__14 _1ce\"> </span>\u2013<span class=\"__14 _1156\"> </span><span class=\"fs0_14\">-44<span class=\"__14 _1ce\"> </span></span>\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 2 till kategori 3<span class=\"__14 _1ce\"> </span>\u2013<span class=\"__14 _1101\"> </span><span class=\"fs0_14 ls16_11 ws3c_5\">-2<span class=\"__14 _1153\"> </span></span><span class=\"fs0_14\">8<span class=\"__14 _8e_6\"> </span>6<span class=\"__14 _1ce\"> </span></span>\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 3 till kategori 1<span class=\"__14 _17b\"> </span>0<span class=\"__14 _1ce\"> </span>\u2013<span class=\"__14 _1101\"> </span><span class=\"fs0_14 ls16_11 ws3c_5\">-2<span class=\"__14 _1101\"> </span>-2<span class=\"__14 _1ce\"> </span></span>\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 3 till kategori 2<span class=\"__14 _1ce\"> </span>\u2013<span class=\"fs0_14\">0<span class=\"__14 _a7_7\"> </span>1<span class=\"__14 _1101\"> </span>-3<span class=\"__14 _1101\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1ce\"> </span></span></span>F\u00f6r\u00e4ndringar i kr<span class=\"__14 _b_13\"/>editrisk utan \u00f6verf\u00f6ringar mellan kategorier<span class=\"__14 _f8_6\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1072\"/>7<span class=\"__14 _1101\"> </span></span>-3<span class=\"__14 _1151\"> </span>-5<span class=\"__14 _1152\"> </span>-35<span class=\"__14 _1ce\"> </span>\u00c5terbetalda eller s\u00e5lda l\u00e5nef<span class=\"__14 _1058\"/>ordringar<span class=\"__14 _1bc\"> </span><span class=\"ls14_11 ws3a_5\">-15<span class=\"__14 _a4_6\"> </span>-17<span class=\"__14 _1101\"> </span></span>-3<span class=\"__14 _9b_6\"> </span>-35<span class=\"__14 _1ce\"> </span>Bortskrivna l\u00e5nefordringar med minskning a<span class=\"__14 _b_13\"/>v reserver<span class=\"__14 _1ce\"> </span>\u2013<span class=\"__14 _1153\"> </span>\u2013<span class=\"__14 _1101\"> </span><span class=\"fs0_14\">-3<span class=\"__14 _1151\"> </span>-3<span class=\"__14 _1ce\"> </span></span>V<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">alutakursdifferenser</span><span class=\"__14 _1bd\"> </span>0<span class=\"__14 _8e_6\"> </span>0<span class=\"__14 _1153\"> </span>0<span class=\"__14 _8e_6\"> </span>0<span class=\"__14 _1ce\"> </span>Utg\u00e5ende balans per 31 dec 2021<span class=\"__14 _1b4\"> </span>35<span class=\"__14 _1156\"> </span>128<span class=\"__14 _14f_2\"> </span>20<span class=\"__14 _aa_6\"> </span>183<span class=\"__14 _1ce\"> </span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>223<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>3. Motpartskreditrisk<span class=\"__14 _1ce\"> </span>Motpartskreditrisken best<span class=\"__14 _b_13\"/>\u00e5r i att Nordeas motpart i ett deri-<span class=\"__14 _1ce\"> </span>vatk<span class=\"__14 _1058\"/>ontr<span class=\"__14 _1058\"/>akt f<span class=\"__14 _b_13\"/>allerar f\u00f6re f<span class=\"__14 _b_13\"/>\u00f6rfallodagen och att Nordea vid den tidpunkten har en f<span class=\"__14 _b_13\"/>ordran p\u00e5 motparten. Dessutom upps<span class=\"__14 _b_13\"/>t\u00e5r motpartskreditrisk i \u00e5terk<span class=\"__14 _b_13\"/>\u00f6psavtal och andra a<span class=\"__14 _b_13\"/>vtal om v\u00e4rde-<span class=\"__14 _1ce\"> </span>pappers\ufb01nansiering.<span class=\"__14 _1ce\"> </span>Nordea anv<span class=\"__14 _1058\"/>\u00e4nder sig av deriv<span class=\"__14 _b_13\"/>atkontrak<span class=\"__14 _b_13\"/>t utifr\u00e5n kundernas efterfr\u00e5gan, b\u00e5de dir<span class=\"__14 _1058\"/>ekt och f<span class=\"__14 _b_13\"/>\u00f6r att f\u00f6r att risks\u00e4kr<span class=\"__14 _b_13\"/>a positioner som uppst\u00e5r i samband med dessa a<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ff\u00e4rer</span><span class=\"__14 _1c_10\"/>. R\u00e4nteswappar och andra deriva<span class=\"__14 _b_13\"/>t anv\u00e4nds f\u00f6r risks\u00e4kring a<span class=\"__14 _b_13\"/>v bristande \u00f6verens-<span class=\"__14 _1ce\"> </span>st\u00e4mmelse mellan tillg\u00e5ngar och sk<span class=\"__14 _1058\"/>ulder i balansr\u00e4kningen. Vidare f\u00e5r Nor<span class=\"__14 _b_13\"/>dea, inom tydligt fastst<span class=\"__14 _1058\"/>\u00e4llda risklimiter<span class=\"__14 _b_13\"/>, anv\u00e4nda deriv<span class=\"__14 _b_13\"/>at f\u00f6r att ta \u00f6ppna positioner i bankens v<span class=\"__14 _b_13\"/>erk-<span class=\"__14 _1ce\"> </span>samhet. Derivatkontr<span class=\"__14 _b_13\"/>akt p\u00e5v<span class=\"__14 _b_13\"/>erkar motpartskreditrisken, marknadsrisken, den opera<span class=\"__14 _1058\"/>tiva risken och likviditetsrisk<span class=\"__14 _b_13\"/>en.<span class=\"__14 _1ce\"> </span>Motpartskreditrisk, inklusive e<span class=\"__14 _b_13\"/>xponeringar mot centrala motparter<span class=\"__14 _b_13\"/>, omf<span class=\"__14 _1058\"/>attas a<span class=\"__14 _b_13\"/>v kreditlimiter precis som andra kredit-<span class=\"__14 _1ce\"> </span>exponeringar och han<span class=\"__14 _b_13\"/>teras p\u00e5 motsvar<span class=\"__14 _1058\"/>ande s\u00e4tt. F\u00f6r att bed\u00f6ma motpartskreditrisken gen<span class=\"__14 _b_13\"/>temot centrala mo<span class=\"__14 _b_13\"/>tpar<span class=\"__14 _1072\"/>ter<span class=\"__14 _b_13\"/>, baseras clearinglimiterna p\u00e5 den po<span class=\"__14 _b_13\"/>tentiella storleken p\u00e5 clearingrelater<span class=\"__14 _b_13\"/>ad exponering mot varje cen<span class=\"__14 _b_13\"/>tral motpart, med beaktande a<span class=\"__14 _b_13\"/>v myndighetskra<span class=\"__14 _b_13\"/>v och marknadsutveckling.<span class=\"__14 _1ce\"> </span>F\u00f6r in<span class=\"__14 _b_13\"/>formation om \ufb01nansiella instrumen<span class=\"__14 _b_13\"/>t som omfatt<span class=\"__14 _1058\"/>as av rama<span class=\"__14 _b_13\"/>vtal f\u00f6r nettning, se not K3.5 \u201dK<span class=\"__14 _b_13\"/>vittning\u201d<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>4.<span class=\"__14 _b_13\"/>1 Handelsrelat<span class=\"__14 _1058\"/>erad marknadsrisk<span class=\"__14 _1ce\"> </span>Handelsrelater<span class=\"__14 _b_13\"/>ad marknadsrisk h\u00e4rr\u00f6r huvudsakligen fr\u00e5n kunddriven handel och a<span class=\"__14 _b_13\"/>vser s\u00e4kringar gjorda i Nordea  <span class=\"__14 _d_13\"/>Markets som ing\u00e5r i Large Corpora<span class=\"__14 _b_13\"/>tes &amp; Institutions.<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Nordea Markets aff</span><span class=\"__14 _b_13\"/>\u00e4rsmodell medf\u00f6r marknadsrisker i samband med att enheten erbjuder f<span class=\"__14 _b_13\"/>\u00f6retag och institutionella kunder en rad olika r<span class=\"__14 _b_13\"/>\u00e4nte-, aktie-, v<span class=\"__14 _b_13\"/>aluta- och r\u00e5<span class=\"__14 _1058\"/>varuproduk<span class=\"__14 _b_13\"/>ter samt struk<span class=\"__14 _b_13\"/>turerade produk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _b_13\"/>. Dessa marknadsrisker innefat-<span class=\"__14 _1ce\"> </span>tar r\u00e4n<span class=\"__14 _b_13\"/>terisk<span class=\"__14 _1072\"/>, kreditspreadrisk, aktierisk, v<span class=\"__14 _1058\"/>alutarisk, r\u00e5<span class=\"__14 _b_13\"/>varurisk och inflationsrisk.<span class=\"__14 _1ce\"> </span>Vidare \u00e4r Nordea en a<span class=\"__14 _b_13\"/>v de st\u00f6rsta bol\u00e5negivarna och mark<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>nadsgaran<span class=\"__14 _b_13\"/>terna f\u00f6r f\u00f6r<span class=\"__14 _1058\"/>etags- och sta<span class=\"__14 _1058\"/>tsobligationer i Norden. F\u00f6r a<span class=\"__14 _b_13\"/>tt kunna erbjuda likviditet p\u00e5 andrahandsmarknaden \u00e4r ett eget handelslager ett m\u00e5ste. Nordeas a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ff\u00e4rsmodell medf\u00f6r </span>d\u00e4rf\u00f6r en koncen<span class=\"__14 _b_13\"/>tration inom nordiska bost<span class=\"__14 _b_13\"/>ads- och f\u00f6re-<span class=\"__14 _1ce\"> </span>tagsobligationer och inom lokala v<span class=\"__14 _b_13\"/>alutor<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>4.2 Ej handelsrelater<span class=\"__14 _1058\"/>ad marknadsrisk<span class=\"__14 _1ce\"> </span>Nordeas ej handelsrelat<span class=\"__14 _b_13\"/>erade marknadsrisker omfa<span class=\"__14 _b_13\"/>ttar r\u00e4nte-<span class=\"__14 _1ce\"> </span>risk, kundbeteenderisk, kreditspreadrisk, valutarisk (b\u00e5de struk<span class=\"__14 _1058\"/>turell och icke-struk<span class=\"__14 _b_13\"/>turell) och aktierisk. Ej handelsrela-<span class=\"__14 _1ce\"> </span>terad marknadsrisk upps<span class=\"__14 _1058\"/>t\u00e5r i Nordeas k\u00e4rnv<span class=\"__14 _b_13\"/>erksamhet<span class=\"__14 _1072\"/>, genom risks\u00e4kring av densamma sam<span class=\"__14 _b_13\"/>t genom krav i lagar och andra e<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">xterna best\u00e4mmelser (t.ex. likviditetsbuff</span><span class=\"__14 _b_13\"/>er<span class=\"__14 _1072\"/>t).<span class=\"__14 _1ce\"> </span>Group <span class=\"__14 _b_13\"/>T<span class=\"__14 _b_13\"/>reasury ansvarar f<span class=\"__14 _b_13\"/>\u00f6r riskhanteringen av all mark<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>nadsrisk som inte \u00e4r handelsr<span class=\"__14 _b_13\"/>elaterad i koncernens balans-<span class=\"__14 _1ce\"> </span>r\u00e4kning. F<span class=\"__14 _b_13\"/>\u00f6r att s\u00e4kerst\u00e4lla en tydlig ansvarsf<span class=\"__14 _b_13\"/>\u00f6rdelning inom Group <span class=\"__14 _b_13\"/>T<span class=\"__14 _b_13\"/>reasury har riskhanteringen delats in i fl<span class=\"__14 _1058\"/>era delar \u2013 var och en med ett tydligt riskmanda<span class=\"__14 _b_13\"/>t och speci\ufb01ka limiter och kontr<span class=\"__14 _b_13\"/>oller.<span class=\"__14 _1ce\"> </span>R\u00e4nterisk<span class=\"__14 _b_13\"/>en i \u00f6vrig verksamhet \u00e4r den be\ufb01ntliga eller fr<span class=\"__14 _b_13\"/>am-<span class=\"__14 _1ce\"> </span>tida risken i Nordeas kapital och/<span class=\"__14 _b_13\"/>eller int\u00e4k<span class=\"__14 _b_13\"/>ter som \u00e4r h\u00e4nf\u00f6r-<span class=\"__14 _1ce\"> </span>lig till ogynnsamma r\u00e4n<span class=\"__14 _1058\"/>tef<span class=\"__14 _1058\"/>\u00f6r\u00e4ndringar och kundbet<span class=\"__14 _1058\"/>eende. <span class=\"__14 _1ce\">Aff</span><span class=\"__14 _b_13\"/>\u00e4r<span class=\"__14 _1072\"/>somr\u00e5dena \u00f6v<span class=\"__14 _b_13\"/>er<span class=\"__14 _1072\"/>f\u00f6r sina riske<span class=\"__14 _b_13\"/>xponeringar i \u00f6vrig verk-<span class=\"__14 _1ce\"> </span>samhet till Group <span class=\"__14 _b_13\"/>T<span class=\"__14 _b_13\"/>reasury via ett intern<span class=\"__14 _b_13\"/>t system f\u00f6r in<span class=\"__14 _1058\"/>tern-<span class=\"__14 _1ce\"> </span>priss\u00e4ttning. Marknadsriskerna han<span class=\"__14 _b_13\"/>teras centr<span class=\"__14 _1058\"/>alt och innef<span class=\"__14 _1058\"/>at-<span class=\"__14 _1ce\"> </span>tar gaprisk, spreadrisk, basrisk, kreditspreadrisk, beteenderisk <span class=\"__14 _1ce\">och icke-linj\u00e4r risk. Eff</span><span class=\"__14 _1058\"/>ektivitet<span class=\"__14 _b_13\"/>en i risks\u00e4kring som avser k\u00e4rn-<span class=\"__14 _1ce\"> </span>verksamheten, till e<span class=\"__14 _b_13\"/>xempel ut- och inl\u00e5ning, kan p\u00e5v<span class=\"__14 _b_13\"/>erkas negativt a<span class=\"__14 _b_13\"/>v det handlingsutr<span class=\"__14 _1072\"/>ymme som kunderna har i fr\u00e5ga om deras a<span class=\"__14 _b_13\"/>vtalsenliga f\u00f6rplikt<span class=\"__14 _1058\"/>elser gent<span class=\"__14 _1058\"/>emot Nordea.<span class=\"__14 _1ce\"> </span>4. Marknadsrisk<span class=\"__14 _1ce\"> </span>Marknadsrisk \u00e4r risken f<span class=\"__14 _1058\"/>\u00f6r f\u00f6rlus<span class=\"__14 _b_13\"/>ter h\u00e4nf\u00f6rliga till Nor<span class=\"__14 _1058\"/>deas innehav i an<span class=\"__14 _b_13\"/>tingen handelslagret eller \u00f6vrig verksamhet till f\u00f6ljd a<span class=\"__14 _b_13\"/>v f\u00f6r\u00e4ndringar i marknadsk<span class=\"__14 _1058\"/>urser och parametrar som p\u00e5v<span class=\"__14 _b_13\"/>erkar marknadsv\u00e4rdet eller r\u00e4nt<span class=\"__14 _b_13\"/>enettot. Marknadsrisken \ufb01nns oavs<span class=\"__14 _1058\"/>ett vilken redovisningsmet<span class=\"__14 _b_13\"/>od som anv\u00e4nds f\u00f6r inne-<span class=\"__14 _1ce\"> </span>hav<span class=\"__14 _b_13\"/>en.<span class=\"__14 _1ce\"> </span>Koncernens t<span class=\"__14 _1058\"/>oleransniv\u00e5 f<span class=\"__14 _b_13\"/>\u00f6r marknadsrisk fastst<span class=\"__14 _1058\"/>\u00e4lls i sty-<span class=\"__14 _1ce\"> </span>relsens riskf<span class=\"__14 _b_13\"/>\u00f6rklaringar. Riskf<span class=\"__14 _b_13\"/>\u00f6rklaringarna omfa<span class=\"__14 _1058\"/>ttar handels-<span class=\"__14 _1ce\"> </span>lagret och \u00f6vrig verksamhet.<span class=\"__14 _1ce\"> </span>Den andra f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>svarslinjen s\u00e4kerst\u00e4ller att riskk<span class=\"__14 _b_13\"/>ommitt\u00e9n p\u00e5 ett korrek<span class=\"__14 _b_13\"/>t s\u00e4tt omvandlar riskt<span class=\"__14 _b_13\"/>oleransen till speci\ufb01ka risklimi-<span class=\"__14 _1ce\"> </span>ter f\u00f6r a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ff\u00e4rsomr\u00e5dena och Group </span><span class=\"__14 _b_13\"/>T<span class=\"__14 _b_13\"/>reasury<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>I enlighet med det \u00f6vergripande r<span class=\"__14 _b_13\"/>amverket f\u00f6r risk<span class=\"__14 _b_13\"/>tolerans anv\u00e4nds holis<span class=\"__14 _b_13\"/>tiska och s\u00e4r<span class=\"__14 _1072\"/>skilt anpassade stress<span class=\"__14 _b_13\"/>tester f\u00f6r a<span class=\"__14 _b_13\"/>tt m\u00e4ta toler<span class=\"__14 _b_13\"/>ansen f\u00f6r marknadsrisk och kalibrera limit<span class=\"__14 _1058\"/>er f\u00f6r a<span class=\"__14 _1058\"/>tt f\u00f6lja upp och k<span class=\"__14 _1058\"/>ontroller<span class=\"__14 _b_13\"/>a alla v\u00e4sentliga marknadsriskf<span class=\"__14 _1058\"/>aktor<span class=\"__14 _b_13\"/>er som Nordea p\u00e5<span class=\"__14 _b_13\"/>verkas av<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>224<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>Likvida tillg\u00e5ngar hanter<span class=\"__14 _b_13\"/>as i enlighet med ramverken f<span class=\"__14 _b_13\"/>\u00f6r <span class=\"__14 _1ce\">likviditetsbuffert och s\u00e4kerhet</span><span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>. Huvuddelen av r\u00e4n<span class=\"__14 _b_13\"/>tef\u00f6r\u00e4nd-<span class=\"__14 _1ce\"> </span>ringsrisken h\u00e4nf<span class=\"__14 _b_13\"/>\u00f6rlig till obligationsinnehav s\u00e4kr<span class=\"__14 _1058\"/>as med l\u00f6p-<span class=\"__14 _1ce\"> </span>tidsmatchade r<span class=\"__14 _1058\"/>\u00e4ntes<span class=\"__14 _1058\"/>wappar (betalarswappar) och i mindr<span class=\"__14 _1058\"/>e utstr\u00e4ckning med dagsl\u00e5neinde<span class=\"__14 _b_13\"/>xswappar (betalarswappar). R\u00e4ntes\u00e4kringsa<span class=\"__14 _b_13\"/>vtal (FRA:er) och b\u00f6rsnoterade terminsa<span class=\"__14 _b_13\"/>vtal kan ocks\u00e5 anv\u00e4ndas f<span class=\"__14 _b_13\"/>\u00f6r att s\u00e4kra kreditspread- och r<span class=\"__14 _b_13\"/>\u00e4ntefas<span class=\"__14 _b_13\"/>t-<span class=\"__14 _1ce\"> </span>st\u00e4llelserisk. 4.3 M\u00e4tning a<span class=\"__14 _b_13\"/>v marknadsrisk<span class=\"__14 _1ce\"> </span>Nordea anv<span class=\"__14 _1058\"/>\u00e4nder flera kvan<span class=\"__14 _b_13\"/>titativa m\u00e4tmetoder f<span class=\"__14 _b_13\"/>\u00f6r handels-<span class=\"__14 _1ce\"> </span>relater<span class=\"__14 _b_13\"/>ad marknadsrisk: value-at-risk (V<span class=\"__14 _1c_10\"/>aR), stresstest<span class=\"__14 _b_13\"/>er, k\u00e4nslighetsanalyser<span class=\"__14 _1c_10\"/>, parametriska metoder och Monte Carlo-<span class=\"__14 _1ce\"> </span>simulering.<span class=\"__14 _1ce\"> </span>V<span class=\"__14 _b_13\"/>aR baseras p\u00e5 historiska s<span class=\"__14 _1058\"/>cenarier och \u00e4r det huvudsak<span class=\"__14 _1058\"/>-<span class=\"__14 _1ce\"> </span>liga m\u00e5ttet f<span class=\"__14 _b_13\"/>\u00f6r marknadsrisk<span class=\"__14 _1072\"/>, komplettera<span class=\"__14 _b_13\"/>t med stresstes<span class=\"__14 _1058\"/>ter<span class=\"__14 _b_13\"/>. Nordea ber\u00e4knar V<span class=\"__14 _1c_10\"/>aR med hj\u00e4lp av historisk simulering. Den aktuella portf\u00f6ljen om<span class=\"__14 _b_13\"/>v\u00e4rderas utifr<span class=\"__14 _1058\"/>\u00e5n historiska dagliga f<span class=\"__14 _b_13\"/>\u00f6r-<span class=\"__14 _1ce\"> </span>\u00e4ndringar i marknadspriser<span class=\"__14 _b_13\"/>, r\u00e4nt<span class=\"__14 _1058\"/>or och andra marknadsrisk<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>fak<span class=\"__14 _b_13\"/>torer som observerats under de senas<span class=\"__14 _b_13\"/>te 500 handelsda-<span class=\"__14 _1ce\"> </span>garna och som \u00f6vers\u00e4tts till f<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar i aktuella marknads-<span class=\"__14 _1ce\"> </span>riskfak<span class=\"__14 _b_13\"/>torer<span class=\"__14 _b_13\"/>. Nordea anv\u00e4nder absoluta, r<span class=\"__14 _b_13\"/>elativa och blandade \u00f6vers\u00e4ttningsmet<span class=\"__14 _1058\"/>oder f\u00f6r olika riskka<span class=\"__14 _b_13\"/>tegorier<span class=\"__14 _b_13\"/>. Omv\u00e4rderingen av den ak<span class=\"__14 _b_13\"/>tuella por<span class=\"__14 _1072\"/>tf\u00f6ljen g\u00f6rs f<span class=\"__14 _b_13\"/>\u00f6r varje innehav med hj\u00e4lp a<span class=\"__14 _b_13\"/>v antingen linj\u00e4r appro<span class=\"__14 _b_13\"/>ximering eller fullst\u00e4ndig omv<span class=\"__14 _b_13\"/>\u00e4rdering, beroende p\u00e5 inneha<span class=\"__14 _b_13\"/>vets ar<span class=\"__14 _1072\"/>t.<span class=\"__14 _1ce\"> </span>Par<span class=\"__14 _b_13\"/>ametriska metoder anv\u00e4nds f\u00f6r a<span class=\"__14 _b_13\"/>tt m\u00e4ta risken f\u00f6r aktieh\u00e4ndelser<span class=\"__14 _1c_10\"/>, inklusive fallissemang g\u00e4llande ak<span class=\"__14 _b_13\"/>tierelate-<span class=\"__14 _1ce\"> </span>rade inneha<span class=\"__14 _b_13\"/>v (en s\u00e4rskild typ av aktierisk).<span class=\"__14 _1ce\"> </span>Monte Carlo-simulering anv<span class=\"__14 _b_13\"/>\u00e4nds i modellen f\u00f6r kapitalkra<span class=\"__14 _b_13\"/>v f\u00f6r ytterligar<span class=\"__14 _b_13\"/>e risk (incremental risk measure) och modellen f\u00f6r samla<span class=\"__14 _b_13\"/>t riskkapitalkrav (c<span class=\"__14 _b_13\"/>omprehensive risk measure) f<span class=\"__14 _1058\"/>\u00f6r att m\u00e4ta risk<span class=\"__14 _b_13\"/>en f\u00f6r fallissemang och f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>s\u00e4mrad kreditkv<span class=\"__14 _b_13\"/>alitet<span class=\"__14 _1072\"/>.<span class=\"__14 _1ce\"> </span>Modellerna f\u00f6r v<span class=\"__14 _b_13\"/>alue-at-risk, value-a<span class=\"__14 _b_13\"/>t-risk med stresscena-<span class=\"__14 _1ce\"> </span>rio, ak<span class=\"__14 _1058\"/>tieh\u00e4ndelserisk, kapitalkra<span class=\"__14 _b_13\"/>v f\u00f6r ytterligare risk och sam-<span class=\"__14 _1ce\"> </span>lat riskkapitalkr<span class=\"__14 _1058\"/>av har alla godk\u00e4n<span class=\"__14 _b_13\"/>ts av Nordeas tidigare till<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>synsmyndighet, svenska Finansinspektionen, f<span class=\"__14 _b_13\"/>\u00f6r anv\u00e4ndning vid ber\u00e4kning a<span class=\"__14 _b_13\"/>v kapitalbaskrav f<span class=\"__14 _b_13\"/>\u00f6r marknadsrisk med hj\u00e4lp av in<span class=\"__14 _b_13\"/>terna modeller<span class=\"__14 _b_13\"/>. Samma modeller<span class=\"__14 _1058\"/>, med samma kalibre-<span class=\"__14 _1ce\"> </span>ring och inst\u00e4llningar som f<span class=\"__14 _b_13\"/>\u00f6r kapitalkrav<span class=\"__14 _b_13\"/>et enligt regelverket, anv\u00e4nds f<span class=\"__14 _b_13\"/>\u00f6r den interna riskhant<span class=\"__14 _1058\"/>eringen.<span class=\"__14 _1ce\"> </span>Schablonmetoden anv<span class=\"__14 _1058\"/>\u00e4nds f\u00f6r a<span class=\"__14 _1058\"/>tt ber\u00e4kna marknadsrisker som inte om<span class=\"__14 _b_13\"/>fattas a<span class=\"__14 _b_13\"/>v de interna modellerna. Hit h\u00f6r ex<span class=\"__14 _b_13\"/>empel-<span class=\"__14 _1ce\"> </span>vis risker a<span class=\"__14 _b_13\"/>vseende r\u00e5varur<span class=\"__14 _b_13\"/>elaterade produk<span class=\"__14 _1058\"/>ter<span class=\"__14 _b_13\"/>, speci\ufb01k risk f\u00f6r bos<span class=\"__14 _b_13\"/>tads- och statsobligationer<span class=\"__14 _1c_10\"/>, f\u00f6retagscerti\ufb01kat, hybrid-<span class=\"__14 _1ce\"> </span>instrument och kr<span class=\"__14 _b_13\"/>editspreadoptioner<span class=\"__14 _b_13\"/>. Vidare anv\u00e4nds schablon <span class=\"__14 _d_13\"/>metoden f\u00f6r ber\u00e4kning a<span class=\"__14 _b_13\"/>v aktierisk a<span class=\"__14 _b_13\"/>vseende struk-<span class=\"__14 _1ce\"> </span>turerade eget kapitalins<span class=\"__14 _b_13\"/>trument och prim\u00e4r- och supplemen-<span class=\"__14 _1ce\"> </span>t\u00e4rkapitalobligationer<span class=\"__14 _1c_10\"/>.<span class=\"__14 _1ce\"> </span>Sedan flytten till Finland i ok<span class=\"__14 _b_13\"/>tober 2018 har Nordea ett till-<span class=\"__14 _1ce\"> </span>f\u00e4lligt tills<span class=\"__14 _1058\"/>t\u00e5nd fr\u00e5n E<span class=\"__14 _b_13\"/>CB att forts\u00e4tta an<span class=\"__14 _b_13\"/>v\u00e4nda sina be\ufb01ntliga interna modeller s<span class=\"__14 _1058\"/>om godk\u00e4nts a<span class=\"__14 _b_13\"/>v den svenska Finansinspek-<span class=\"__14 _1ce\"> </span>tionen. ECB:s tillf<span class=\"__14 _b_13\"/>\u00e4lliga tillst\u00e5nd f\u00f6ruts\u00e4<span class=\"__14 _b_13\"/>tter att Nordea l\u00e4mnar in modellans\u00f6kningar till E<span class=\"__14 _1058\"/>CB f\u00f6r ett permanen<span class=\"__14 _b_13\"/>t godk\u00e4n-<span class=\"__14 _1ce\"> </span>nande. En uppdater<span class=\"__14 _1058\"/>ad ans\u00f6kan l\u00e4mnades in i mars 2021, och d\u00e4refter har de in<span class=\"__14 _b_13\"/>terna modellerna pr\u00f6vats a<span class=\"__14 _b_13\"/>v ECB. Under 2022 gjordes en rik<span class=\"__14 _1058\"/>tad pr\u00f6vning a<span class=\"__14 _b_13\"/>v modeller som inte om<span class=\"__14 _1058\"/>fa<span class=\"__14 _b_13\"/>t-<span class=\"__14 _1ce\"> </span>tades a<span class=\"__14 _1058\"/>v ans\u00f6kan 2021. E<span class=\"__14 _b_13\"/>CB:s beslut<span class=\"__14 _1072\"/>, som avser b\u00e5da de<span class=\"__14 _1058\"/>ssa pr\u00f6vningar<span class=\"__14 _1c_10\"/>, v\u00e4ntas under f<span class=\"__14 _1058\"/>\u00f6rsta halv<span class=\"__14 _1058\"/>\u00e5ret 2023.<span class=\"__14 _1ce\"> </span>R\u00e4nterisk<span class=\"__14 _b_13\"/>en i \u00f6vrig verksamhet m\u00e4ts, kontr<span class=\"__14 _b_13\"/>olleras och hante-<span class=\"__14 _1ce\"> </span>ras med hj\u00e4lp a<span class=\"__14 _b_13\"/>v tre viktiga m\u00e5tt:<span class=\"__14 _1ce\"> </span>\u2022 <span class=\"__14 _1f_10\"> </span>ekonomiskt v<span class=\"__14 _b_13\"/>\u00e4rde<span class=\"__14 _1ce\"> </span>\u2022 <span class=\"__14 _1f_10\"> </span>verkligt v\u00e4r<span class=\"__14 _1058\"/>de<span class=\"__14 _1ce\"> </span>\u2022 <span class=\"__14 _1f_10\"> </span>struk<span class=\"__14 _1058\"/>turell r\u00e4n<span class=\"__14 _b_13\"/>tenettorisk.<span class=\"__14 _1ce\"> </span>De tre olika riskm\u00e5tt<span class=\"__14 _1058\"/>en anv\u00e4nds f<span class=\"__14 _b_13\"/>\u00f6r att bed\u00f6ma olika aspekter av hur r<span class=\"__14 _b_13\"/>\u00e4nterisken yttrar sig. M\u00e5<span class=\"__14 _1058\"/>tten beskrivs n\u00e4rmare nedan.<span class=\"__14 _1ce\"> </span>Stresst<span class=\"__14 _1058\"/>ester g\u00e4llande ekonomisk<span class=\"__14 _b_13\"/>t v\u00e4rde (EV) a<span class=\"__14 _1058\"/>v eget kapi-<span class=\"__14 _1ce\"> </span>tal tar h\u00e4nsyn till f<span class=\"__14 _1058\"/>\u00f6r\u00e4ndringen i ekonomisk<span class=\"__14 _b_13\"/>t v\u00e4rde p\u00e5 till-<span class=\"__14 _1ce\"> </span>g\u00e5ngar<span class=\"__14 _b_13\"/>, skulder och r\u00e4n<span class=\"__14 _1058\"/>teb\u00e4rande deriv<span class=\"__14 _1058\"/>atinstrumen<span class=\"__14 _b_13\"/>t i \u00f6vrig verksamhet till f<span class=\"__14 _1058\"/>\u00f6ljd av r<span class=\"__14 _b_13\"/>\u00e4ntef\u00f6r<span class=\"__14 _b_13\"/>\u00e4ndringar, ober<span class=\"__14 _b_13\"/>oende av redo-<span class=\"__14 _1ce\"> </span>visningsm\u00e4ssig klassi\ufb01cering och utan a<span class=\"__14 _b_13\"/>vseende p\u00e5 kredits-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">preadar och aff</span><span class=\"__14 _b_13\"/>\u00e4r<span class=\"__14 _1072\"/>smarginaler<span class=\"__14 _b_13\"/>. Modellber\u00e4kningen g\u00f6rs uti-<span class=\"__14 _1ce\"> </span>fr\u00e5n en balansr<span class=\"__14 _b_13\"/>\u00e4kning under avveckling och omf<span class=\"__14 _b_13\"/>attar beteen-<span class=\"__14 _1ce\"> </span>demodellering f\u00f6r all inl\u00e5ning utan a<span class=\"__14 _b_13\"/>vtalad l\u00f6ptid och f\u00f6rtidsinbetalningar<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>M\u00e5ttet struk<span class=\"__14 _b_13\"/>turell r\u00e4nt<span class=\"__14 _b_13\"/>enettorisk (SIIR) visar f\u00f6r\u00e4ndringen i r\u00e4n<span class=\"__14 _1058\"/>tenettot, i f\u00f6rh\u00e5llande till ett grunds<span class=\"__14 _1058\"/>cenario, p\u00e5 ett \u00e5rs sikt. Modellen har ett antagande om en k<span class=\"__14 _1058\"/>onstan<span class=\"__14 _b_13\"/>t balansr\u00e4kning, implicita terminsr\u00e4n<span class=\"__14 _b_13\"/>tor och beteendemodellering f\u00f6r inl\u00e5ning utan avt<span class=\"__14 _b_13\"/>alad l\u00f6ptid och f\u00f6rtidsinbetalningar<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>Riskm\u00e5ttet f<span class=\"__14 _b_13\"/>\u00f6rlust vid stresst<span class=\"__14 _b_13\"/>est av verkligt v<span class=\"__14 _b_13\"/>\u00e4rde (fair value stress loss, FVSL) tar h\u00e4nsyn till den po<span class=\"__14 _b_13\"/>tentiella omv\u00e4r<span class=\"__14 _b_13\"/>derings<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span>risken a<span class=\"__14 _b_13\"/>vseende positioner som redovisas till verkligt v\u00e4rde.<span class=\"__14 _1ce\"> </span>FVSL<span class=\"__14 _1c_10\"/>-, EV- och SIIR-k\u00e4nslighet<span class=\"__14 _b_13\"/>er m\u00e4ts med hj\u00e4lp av int<span class=\"__14 _b_13\"/>erna scenarier som f<span class=\"__14 _b_13\"/>astst\u00e4llts enligt ramv<span class=\"__14 _b_13\"/>erket f\u00f6r riskt<span class=\"__14 _b_13\"/>olerans, de sex s<span class=\"__14 _b_13\"/>tandardscenarierna som fas<span class=\"__14 _b_13\"/>tst\u00e4llts av Baselk<span class=\"__14 _1058\"/>ommitt\u00e9n f\u00f6r bank<span class=\"__14 _b_13\"/>tillsyn samt en rad parallella och ick<span class=\"__14 _1058\"/>e-parallella chockscenarier<span class=\"__14 _b_13\"/>. Exponeringslimiten m\u00e4ts mo<span class=\"__14 _1058\"/>t det v\u00e4rsta utfallet f<span class=\"__14 _1058\"/>r\u00e5n de in<span class=\"__14 _1058\"/>terna scenarierna enligt r<span class=\"__14 _1058\"/>amverket f<span class=\"__14 _b_13\"/>\u00f6r risk-<span class=\"__14 _1ce\"> </span>tolerans. Risk<span class=\"__14 _b_13\"/>toleransscenarierna kalibrer<span class=\"__14 _b_13\"/>as f\u00f6r att spegla all-<span class=\"__14 _1ce\"> </span>varliga men rimliga h\u00e4ndelser och ska pr\u00f6<span class=\"__14 _b_13\"/>va speci\ufb01ka expo-<span class=\"__14 _1ce\"> </span>neringar som \ufb01nns eller kan \ufb01nnas enligt godk\u00e4nt manda<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>. Scenarierna samordnas f<span class=\"__14 _b_13\"/>\u00f6r risktyperna EV<span class=\"__14 _1c_10\"/>, SIIR och FVSL<span class=\"__14 _1072\"/>.<span class=\"__14 _1ce\"> </span>Risktoler<span class=\"__14 _b_13\"/>ansscenarierna f\u00f6r verkligt v<span class=\"__14 _b_13\"/>\u00e4rde anv\u00e4nds f\u00f6r portf\u00f6ljerna i b\u00e5de \u00f6vrig verksamhet och handelslagr<span class=\"__14 _b_13\"/>et<span class=\"__14 _1072\"/>, och styrelsens risk<span class=\"__14 _b_13\"/>toleranslimit omf<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">attar den kombinerade eff</span><span class=\"__14 _b_13\"/>ek-<span class=\"__14 _1ce\"> </span>ten. Stressm\u00e5<span class=\"__14 _1058\"/>ttet f\u00f6r v<span class=\"__14 _b_13\"/>erkligt v\u00e4rde kontr<span class=\"__14 _1058\"/>olleras dagligen. Flera EV<span class=\"__14 _b_13\"/>-scenarier ber\u00e4knas dagligen som ledningsin<span class=\"__14 _b_13\"/>forma-<span class=\"__14 _1ce\"> </span>tion, och fullst\u00e4ndiga ber<span class=\"__14 _b_13\"/>\u00e4kningar och uppf\u00f6ljningar mot risk<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>toleranslimiter g\u00f6rs m\u00e5nadsvis. R<span class=\"__14 _1058\"/>esultatm\u00e5<span class=\"__14 _b_13\"/>ttet SIIR kontrol-<span class=\"__14 _1ce\"> </span>leras varje m\u00e5nad.<span class=\"__14 _1ce\"> </span>Ber\u00e4kningen a<span class=\"__14 _b_13\"/>v r\u00e4nterisken i \u00f6<span class=\"__14 _1058\"/>vrig verksamhet \u00e4r beroende av vik<span class=\"__14 _b_13\"/>tiga antaganden i modellerna. De mest v<span class=\"__14 _1058\"/>\u00e4sentliga an<span class=\"__14 _b_13\"/>ta-<span class=\"__14 _1ce\"> </span>gandena avser bet<span class=\"__14 _b_13\"/>eendemodelleringen f\u00f6r b\u00e5de tillg\u00e5ngar och skulder<span class=\"__14 _b_13\"/>. De olika beteenden som Nordeas l\u00e5nek<span class=\"__14 _b_13\"/>under kan uppvisa i fr<span class=\"__14 _1058\"/>\u00e5ga om f\u00f6rtidsinl\u00f6sen a<span class=\"__14 _b_13\"/>v l\u00e5n bed\u00f6ms med hj\u00e4lp av modeller f\u00f6r f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>tidsinl\u00f6sen. P\u00e5 sk<span class=\"__14 _b_13\"/>uldsidan har Nordea m\u00f6jlig-<span class=\"__14 _1ce\"> </span>het att \u00e4ndra inl\u00e5ningsr<span class=\"__14 _b_13\"/>\u00e4ntan, och kunderna har m\u00f6jlighet att n\u00e4r som helst ta ut inl\u00e5ning utan a<span class=\"__14 _b_13\"/>vtalad l\u00f6ptid. B\u00e5da dessa m\u00f6jligheter bed\u00f6ms med hj\u00e4lp a<span class=\"__14 _1058\"/>v modeller f\u00f6r inl\u00e5ning utan avtalad l<span class=\"__14 _1058\"/>\u00f6ptid. Ber\u00e4kningarna g\u00f6rs utifr<span class=\"__14 _b_13\"/>\u00e5n historiska genom-<span class=\"__14 _1ce\"> </span>snitt f\u00f6r de vik<span class=\"__14 _b_13\"/>tigaste tillg\u00e5ngs- och skuldklasserna. <span class=\"__14 _b_13\"/>Tillg\u00e5ngar och skulder grupperas utif<span class=\"__14 _b_13\"/>r\u00e5n viktiga egenskaper s\u00e5som pro-<span class=\"__14 _1ce\"> </span>dukttyp<span class=\"__14 _1058\"/>, region och kundsegmen<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>. Ant<span class=\"__14 _1058\"/>agandena grundas p\u00e5 historiska v<span class=\"__14 _b_13\"/>\u00e4rden. Modellernas tillf\u00f6rlitlighet s\u00e4kerst\u00e4lls genom regelbundna tes<span class=\"__14 _1058\"/>ter i efterhand och modellkon<span class=\"__14 _b_13\"/>troller av b\u00e5de modeller f<span class=\"__14 _b_13\"/>\u00f6r f\u00f6rtidsinl\u00f6sen och modeller f\u00f6r inl\u00e5ning utan avt<span class=\"__14 _b_13\"/>alad l\u00f6ptid.<span class=\"__14 _1ce\"> </span>225<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>Kapitalallokeringarna f<span class=\"__14 _b_13\"/>\u00f6r r\u00e4nterisk<span class=\"__14 _1058\"/>en i \u00f6vrig verksamhet enligt pelare 2 har tv\u00e5 komponen<span class=\"__14 _b_13\"/>ter: verkligt v\u00e4rde-risk och r\u00e4n<span class=\"__14 _1058\"/>tenettorisk. V<span class=\"__14 _b_13\"/>erkligt v\u00e4rde-risken a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">vser effekt</span><span class=\"__14 _1058\"/>en p\u00e5 Nordeas egna kapital till f<span class=\"__14 _b_13\"/>\u00f6ljd av negativa f<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar i m\u00e5natliga omv<span class=\"__14 _b_13\"/>\u00e4rderingarna av v\u00e4rdet p\u00e5 positioner r<span class=\"__14 _b_13\"/>edovi-<span class=\"__14 _1ce\"> </span>sade till verkligt v\u00e4r<span class=\"__14 _1058\"/>de via antingen re<span class=\"__14 _1058\"/>sultatr<span class=\"__14 _b_13\"/>\u00e4kningen eller \u00f6vrigt tot<span class=\"__14 _1058\"/>alresulta<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/><span class=\"__14 _1ce\">. R\u00e4ntenettorisken visar eff</span><span class=\"__14 _b_13\"/>ekten a<span class=\"__14 _b_13\"/>v r\u00e4nte-<span class=\"__14 _1ce\"> </span>f\u00f6r<span class=\"__14 _b_13\"/>\u00e4ndringar p\u00e5 den framtida l\u00f6nsamheten, m\u00e4<span class=\"__14 _1058\"/>tt som modell-<span class=\"__14 _1ce\"> </span>ber\u00e4knade f<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar i r\u00e4ntenetto<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>, och hur detta p\u00e5verk<span class=\"__14 _1058\"/>ar niv\u00e5n p\u00e5 de in<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">terna kapitalbuff</span><span class=\"__14 _b_13\"/>er<span class=\"__14 _1072\"/>tarna.<span class=\"__14 _1ce\"> </span>Nordea \u00e4r e<span class=\"__14 _1058\"/>xponerat f<span class=\"__14 _b_13\"/>\u00f6r strukturell v<span class=\"__14 _b_13\"/>alutarisk, vilket de\ufb01-<span class=\"__14 _1ce\"> </span>nieras som brist<span class=\"__14 _1058\"/>ande \u00f6verenss<span class=\"__14 _b_13\"/>t\u00e4mmelse i valutasammans\u00e4tt-<span class=\"__14 _1ce\"> </span>ningen mellan k\u00e4rnprim\u00e4rkapitalet och riske<span class=\"__14 _b_13\"/>xponeringsbe-<span class=\"__14 _1ce\"> </span>loppen. K\u00e4rnprim\u00e4rkapitalet har huvudsakligen eur<span class=\"__14 _1058\"/>o som valuta. De enda s<span class=\"__14 _b_13\"/>t\u00f6rre beloppen i andra valutor \u00e4n eur<span class=\"__14 _b_13\"/>o avser hypoteks<span class=\"__14 _1058\"/>dotterf<span class=\"__14 _1058\"/>\u00f6retagen. V<span class=\"__14 _b_13\"/>alutakursf<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar kan d\u00e4rf\u00f6r p\u00e5v<span class=\"__14 _b_13\"/>erka Nordeas k\u00e4rnprim\u00e4rkapitalrelation negativt. 4.4 Marknadsriskanalys<span class=\"__14 _1ce\"> </span>Marknadsrisken i Nordeas handelslager redo<span class=\"__14 _b_13\"/>visas i tabellen nedan.<span class=\"__14 _1ce\"> </span>Marknadsrisken (V<span class=\"__14 _b_13\"/>aR) uppgick i genomsnitt till 31,5 mn euro under 2022 (24,<span class=\"__14 _b_13\"/>7 mn euro i genomsnitt 2021), och drevs fr\u00e4ms<span class=\"__14 _b_13\"/>t av r\u00e4nt<span class=\"__14 _b_13\"/>erisk<span class=\"__14 _1072\"/>. V<span class=\"__14 _b_13\"/>aR med stresscenario uppgick till <span class=\"__14 _1ce\">44,9 mn euro under 2022 (38,0 mn euro i genomsnitt 2021), </span>fr\u00e4ms<span class=\"__14 _b_13\"/>t h\u00e4nf\u00f6rligt till r\u00e4n<span class=\"__14 _b_13\"/>terisk och i viss m\u00e5n kreditspreadrisk. Den h\u00f6gsta V<span class=\"__14 _1c_10\"/><span class=\"__14 _1ce\">aR-siffran noter</span><span class=\"__14 _b_13\"/>ades under andra kvartalet<span class=\"__14 _1072\"/>, och f\u00f6r V<span class=\"__14 _1c_10\"/>aR med stresscenario under f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>sta kvartalet. V<span class=\"__14 _b_13\"/>aR och V<span class=\"__14 _b_13\"/>aR med stresscenario p\u00e5<span class=\"__14 _b_13\"/>verkas fr\u00e4ms<span class=\"__14 _b_13\"/>t av marknadsrisken i norra E<span class=\"__14 _b_13\"/>uropa och Norden.<span class=\"__14 _1ce\"> </span>Kapitalkr<span class=\"__14 _1058\"/>av<span class=\"__14 _b_13\"/>et vid ytterligare risk (IRC) var vid utg\u00e5ngen a<span class=\"__14 _1058\"/>v 2022 betydligt l\u00e4gre \u00e4n vid utg\u00e5ngen a<span class=\"__14 _b_13\"/>v 2021. L\u00e4gst var e<span class=\"__14 _b_13\"/>xpo<span class=\"__14 _1072\"/>-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">neringen under fj\u00e4rde kvartalet 2022, och h\u00f6gst v</span><span class=\"__14 _b_13\"/>ar IRC under andra kvartalet 2022. Genomsnittligt IRC \u00f6kade j\u00e4m<span class=\"__14 _b_13\"/>f\u00f6rt med f\u00f6r<span class=\"__14 _1058\"/>eg\u00e5ende \u00e5r<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>Det samlade riskkapitalkra<span class=\"__14 _b_13\"/>vet (CRC) var vid ut<span class=\"__14 _1058\"/>g\u00e5ngen av 2022 h\u00f6gre \u00e4n vid utg\u00e5ngen a<span class=\"__14 _b_13\"/>v 2021. L\u00e4gst var e<span class=\"__14 _1058\"/>xponeringen <span class=\"__14 _1ce\">under fj\u00e4rde kvartalet 2022, och h\u00f6gst v</span><span class=\"__14 _b_13\"/>ar CRC under andra kvartalet 2022. Genomsnittligt CRC f\u00f6r 2022 \u00f6kade med <span class=\"__14 _1ce\">13,6 mn euro j\u00e4mf</span><span class=\"__14 _b_13\"/>\u00f6rt med 2021.<span class=\"__14 _1ce\"> </span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>Marknadsrisk i handelslagret<span class=\"__14 _1ce\"> </span>1<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1be\"> </span>31 dec 2022<span class=\"__14 _1120\"> </span>2022 h\u00f6gst<span class=\"__14 _7c_6\"> </span>2022 l\u00e4gst<span class=\"__14 _1104\"> </span>2022 snitt<span class=\"__14 _1ce\"> </span>Samlad V<span class=\"__14 _b_13\"/>aR<span class=\"__14 _1bf\"> </span>33<span class=\"__14 _7a_6\"> </span><span class=\"ls14_11 ws3a_5\">51<span class=\"__14 _1229\"> </span></span>20<span class=\"__14 _7a_6\"> </span>31<span class=\"__14 _1ce\"> </span>R\u00e4nterisk<span class=\"__14 _1c0\"> </span>32<span class=\"__14 _1142\"> </span>50<span class=\"__14 _1128\"> </span>18<span class=\"__14 _7a_6\"> </span>31<span class=\"__14 _1ce\"> </span>Aktierisk<span class=\"__14 _1c1\"> </span>2<span class=\"__14 _7a_6\"> </span>12<span class=\"__14 _1250\"> </span>2<span class=\"__14 _1219\"> </span>5<span class=\"__14 _1ce\"> </span>Kreditspreadrisk<span class=\"__14 _1c2\"> </span>7<span class=\"__14 _7a_6\"> </span>12<span class=\"__14 _1250\"> </span>3<span class=\"__14 _1250\"> </span>7<span class=\"__14 _1ce\"> </span>V<span class=\"__14 _b_13\"/>alutarisk<span class=\"__14 _1bd\"> </span>2<span class=\"__14 _1219\"> </span>5<span class=\"__14 _1140\"> </span>1<span class=\"__14 _1219\"> </span>2<span class=\"__14 _1ce\"> </span>Inflationsrisk<span class=\"__14 _1c3\"> </span>2<span class=\"__14 _1219\"> </span>3<span class=\"__14 _1140\"> </span>1<span class=\"__14 _1250\"> </span>2<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Diversi\ufb01eringseffek</span><span class=\"__14 _b_13\"/>t<span class=\"__14 _1ba\"> </span>27<span class=\"__14 _7a_6\"> </span><span class=\"ls14_11 ws3a_5\">51<span class=\"__14 _7a_6\"> </span></span>16<span class=\"__14 _1128\"> </span>32<span class=\"__14 _1ce\"> </span>Samlad V<span class=\"__14 _b_13\"/>aR, stresscenario<span class=\"__14 _1c4\"> </span>45<span class=\"__14 _1142\"> </span>69<span class=\"__14 _1229\"> </span>32<span class=\"__14 _1128\"> </span>47<span class=\"__14 _1ce\"> </span>Kapitalkra<span class=\"__14 _b_13\"/>v vid ytterligare risk (IRC)<span class=\"__14 _1c5\"> </span>9<span class=\"__14 _1142\"> </span>45<span class=\"__14 _1250\"> </span>7<span class=\"__14 _1229\"> </span>26<span class=\"__14 _1ce\"> </span>Samlat riskkapitalkra<span class=\"__14 _b_13\"/>v (CRC)<span class=\"__14 _17a\"> </span>27<span class=\"__14 _1128\"> </span>47<span class=\"__14 _1128\"> </span>18<span class=\"__14 _1229\"> </span>33<span class=\"__14 _1ce\"> </span>1)  Aktieh\u00e4ndelserisk<span class=\"__14 _1058\"/>en uppgick till 0,2 mn euro vid utg\u00e5ngen av 2022.<span class=\"__14 _1ce\"> </span>Marknadsrisk i \u00f6vrig verksamhet<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1c6\"> </span>31 dec 2022<span class=\"__14 _1120\"> </span>2022 h\u00f6gst<span class=\"__14 _7c_6\"> </span>2022 l\u00e4gst<span class=\"__14 _1104\"> </span>2022 snitt<span class=\"__14 _1ce\"> </span>Samlad V<span class=\"__14 _b_13\"/>aR<span class=\"__14 _1c7\"> </span>123<span class=\"__14 _16f\"> </span><span class=\"ls14_11 ws3a_5\">146<span class=\"__14 _1229\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _1229\"> </span><span class=\"ls18_10 ws3e_5\">97<span class=\"__14 _1ce\"> </span></span></span></span>Marknadsrisk i handelslagret<span class=\"__14 _1ce\"> </span>1<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1c2\"> </span>31 dec 2021<span class=\"__14 _7b_6\"> </span>2021 h\u00f6gst<span class=\"__14 _a1_6\"> </span>2021 l\u00e4gst<span class=\"__14 _1129\"> </span>2021 snitt<span class=\"__14 _1ce\"> </span>Samlad V<span class=\"__14 _b_13\"/>aR<span class=\"__14 _1bf\"> </span>35<span class=\"__14 _1142\"> </span>46<span class=\"__14 _7a_6\"> </span>15<span class=\"__14 _1229\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1ce\"> </span></span>R\u00e4nterisk<span class=\"__14 _1c0\"> </span>37<span class=\"__14 _1128\"> </span>47<span class=\"__14 _1128\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1229\"> </span></span>26<span class=\"__14 _1ce\"> </span>Aktierisk<span class=\"__14 _1c1\"> </span>3<span class=\"__14 _1128\"> </span>22<span class=\"__14 _1219\"> </span>2<span class=\"__14 _1250\"> </span>5<span class=\"__14 _1ce\"> </span>Kreditspreadrisk<span class=\"__14 _1be\"> </span>4<span class=\"__14 _1128\"> </span>19<span class=\"__14 _1219\"> </span>3<span class=\"__14 _1128\"> </span>10<span class=\"__14 _1ce\"> </span>V<span class=\"__14 _b_13\"/>alutarisk<span class=\"__14 _1c8\"> </span>1<span class=\"__14 _1250\"> </span>7<span class=\"__14 _1140\"> </span>1<span class=\"__14 _1219\"> </span>2<span class=\"__14 _1ce\"> </span>Inflationsrisk<span class=\"__14 _1c3\"> </span>2<span class=\"__14 _1219\"> </span>4<span class=\"__14 _1250\"> </span>1<span class=\"__14 _1250\"> </span>2<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Diversi\ufb01eringseffek</span><span class=\"__14 _b_13\"/>t<span class=\"__14 _1c9\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1229\"> </span></span>65<span class=\"__14 _1128\"> </span>22<span class=\"__14 _1142\"> </span>45<span class=\"__14 _1ce\"> </span>Samlad V<span class=\"__14 _b_13\"/>aR, stresscenario<span class=\"__14 _1bc\"> </span>44<span class=\"__14 _1128\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _1229\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1142\"> </span></span></span>38<span class=\"__14 _1ce\"> </span>Kapitalkra<span class=\"__14 _b_13\"/>v vid ytterligare risk (IRC)<span class=\"__14 _18c\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1128\"> </span></span>33<span class=\"__14 _7a_6\"> </span>12<span class=\"__14 _1229\"> </span>20<span class=\"__14 _1ce\"> </span>Samlat riskkapitalkra<span class=\"__14 _b_13\"/>v (CRC)<span class=\"__14 _17a\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1128\"> </span></span>37<span class=\"__14 _1128\"> </span>10<span class=\"__14 _1128\"> </span>19<span class=\"__14 _1ce\"> </span>1)  Aktieh\u00e4ndelserisk<span class=\"__14 _1058\"/>en uppgick till 0,3 mn euro vid utg\u00e5ngen av 2021.<span class=\"__14 _1ce\"> </span>Marknadsrisk i \u00f6vrig verksamhet<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1ca\"> </span>31 dec 2021<span class=\"__14 _7b_6\"> </span>2021 h\u00f6gst<span class=\"__14 _a1_6\"> </span>2021 l\u00e4gst<span class=\"__14 _1129\"> </span>2021 snitt<span class=\"__14 _1ce\"> </span>Samlad V<span class=\"__14 _b_13\"/>aR<span class=\"__14 _1cb\"> </span>69<span class=\"__14 _b8_6\"> </span>122<span class=\"__14 _1128\"> </span>61<span class=\"__14 _1142\"> </span>88<span class=\"__14 _1ce\"> </span>226<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1ce\"> </span></span></span></span><span class=\"ws0_14\"><span class=\"ff1_14\"><span class=\"ff2_14 ws2_13\"><span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>V<span class=\"__14 _b_13\"/>alutarisken i \u00f6vrig verksamhet har is<span class=\"__14 _b_13\"/>t\u00e4llet \u00f6kat till f\u00f6ljd a<span class=\"__14 _b_13\"/>v en<span class=\"__14 _1ce\"> </span> l\u00e5ng dollarposition som byggts p\u00e5 under \u00e5r<span class=\"__14 _b_13\"/>et<span class=\"__14 _1072\"/>, dock med<span class=\"__14 _1ce\"> </span> begr\u00e4nsad p\u00e5<span class=\"__14 _b_13\"/>verkan p\u00e5 samlat V<span class=\"__14 _b_13\"/>aR tack vare diversi\ufb01erings-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">effek</span><span class=\"__14 _b_13\"/>ter<span class=\"__14 _b_13\"/>. Den samlade marknadsrisken i \u00f6vrig verksamhet h\u00e5l-<span class=\"__14 _1ce\"> </span>ler sig inom Nordeas risk<span class=\"__14 _1058\"/>tolerans.<span class=\"__14 _1ce\"> </span>A<span class=\"__14 _b_13\"/>v de interna str<span class=\"__14 _1058\"/>esscenarier f<span class=\"__14 _b_13\"/>\u00f6r verkligt v\u00e4rde som ing\u00e5r i<span class=\"__14 _1ce\"> </span> ramv<span class=\"__14 _1058\"/>erket f<span class=\"__14 _1058\"/>\u00f6r risktoler<span class=\"__14 _b_13\"/>ans var det vid \u00e5rets slut scenariot<span class=\"__14 _1ce\"> </span> Nordic Housing Crisis som orsakade den st\u00f6rst<span class=\"__14 _b_13\"/>a f\u00f6rlusten i<span class=\"__14 _1ce\"> </span> verkligt v\u00e4r<span class=\"__14 _1058\"/>de-delen av \u00f6vrig v<span class=\"__14 _b_13\"/>erksamhet<span class=\"__14 _1072\"/>, d\u00e4r potentiellt<span class=\"__14 _1ce\"> </span> \u00f6kade r\u00e4n<span class=\"__14 _b_13\"/>teskillnader p\u00e5 nordiska hypoteksl\u00e5n och s<span class=\"__14 _1058\"/>tatsobli-<span class=\"__14 _1ce\"> </span>gationer sp\u00e4dde p\u00e5 b\u00f6rsnedg\u00e5ngen, vilket skulle ge en f<span class=\"__14 _b_13\"/>\u00f6rlust<span class=\"__14 _1ce\"> </span> p\u00e5 465 mn euro (505 mn euro f<span class=\"__14 _b_13\"/>\u00f6reg\u00e5ende \u00e5r) i verkligt v\u00e4rde-<span class=\"__14 _1ce\"> </span>delen av \u00f6<span class=\"__14 _b_13\"/>vrig verksamhet<span class=\"__14 _1072\"/>. \u00d6vrig verksamhet har vanligtvis<span class=\"__14 _1ce\"> </span> en l\u00e5ng position i hypoteksl\u00e5n och s<span class=\"__14 _b_13\"/>tatsobligationer i likvidi-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">tetsbufferten och en l\u00e5ng position i ak</span><span class=\"__14 _b_13\"/>tier genom sina l\u00e5ng-<span class=\"__14 _1ce\"> </span>fristiga illikvida inneha<span class=\"__14 _b_13\"/>v<span class=\"__14 _b_13\"/>, vilket f\u00f6rklarar f<span class=\"__14 _b_13\"/>\u00f6rlusten i det h\u00e4r<span class=\"__14 _1ce\"> </span> v\u00e4rsta sc<span class=\"__14 _1058\"/>enariot.<span class=\"__14 _1ce\"> </span>4.5 Struktur<span class=\"__14 _1058\"/>ell r\u00e4n<span class=\"__14 _1058\"/>tenettorisk (SIIR)/<span class=\"__14 _b_13\"/>ekonomiskt v<span class=\"__14 _1058\"/>\u00e4rde (EV)<span class=\"__14 _1ce\"> </span>Nordeas upplysningar om r<span class=\"__14 _b_13\"/>\u00e4nterisk i \u00f6vrig verksamhet f<span class=\"__14 _b_13\"/>\u00f6ljer<span class=\"__14 _1ce\"> </span> kra<span class=\"__14 _b_13\"/>ven i Pelare 3. F<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringen i ekonomiskt v\u00e4r<span class=\"__14 _b_13\"/>de f\u00f6r posi-<span class=\"__14 _1ce\"> </span>tioner i \u00f6vrig verksamhet till f<span class=\"__14 _b_13\"/>\u00f6ljd av r\u00e4n<span class=\"__14 _b_13\"/>tef\u00f6r\u00e4ndringar har<span class=\"__14 _1ce\"> </span> bed\u00f6mts i enlighet med myndighet<span class=\"__14 _b_13\"/>ernas sex r\u00e4nt<span class=\"__14 _b_13\"/>echocksce-<span class=\"__14 _1ce\"> </span>narier<span class=\"__14 _b_13\"/>, och r\u00e4ntenett<span class=\"__14 _b_13\"/>ot i \u00f6vrig verksamhet under en 12-m\u00e5na-<span class=\"__14 _1ce\"> </span>dersperiod har bed\u00f6mts i enlighet med de tv\u00e5 par<span class=\"__14 _b_13\"/>allella f\u00f6r-<span class=\"__14 _1ce\"> </span>\u00e4ndringarna, som b\u00e5da de\ufb01nierats a<span class=\"__14 _b_13\"/>v Eur<span class=\"__14 _b_13\"/>opeiska bankmyn-<span class=\"__14 _1ce\"> </span>digheten. Vid \u00e5rets slut uppgick den h\u00f6gs<span class=\"__14 _b_13\"/>ta f\u00f6rlusten i<span class=\"__14 _1ce\"> </span> ekonomiskt v<span class=\"__14 _b_13\"/>\u00e4rde till 1 230 mn euro i \u201dparallellf\u00f6rskjutning<span class=\"__14 _1ce\"> </span> ned\u00e5t\u201d-scenariot och den h\u00f6gsta f<span class=\"__14 _b_13\"/>\u00f6rlusten i r\u00e4n<span class=\"__14 _b_13\"/>tenettot under<span class=\"__14 _1ce\"> </span> ett \u00e5r var 1 295 mn euro<span class=\"__14 _1058\"/>, \u00e4v<span class=\"__14 _b_13\"/>en h\u00e4r i \u201dparallellf\u00f6rskjutning<span class=\"__14 _1ce\"> </span> ned\u00e5t\u201d-scenariot.<span class=\"__14 _1ce\"> </span>4.6 \u00d6vrig marknadsrisk \u2013 pensionsrisk<span class=\"__14 _1ce\"> </span>Pensionsrisk (inklusiv<span class=\"__14 _b_13\"/>e marknads- och livsfallsrisk) uppst\u00e5r i<span class=\"__14 _1ce\"> </span> samband med f\u00f6rm\u00e5nsbes<span class=\"__14 _b_13\"/>t\u00e4mda pensioner f\u00f6r Nordeas tidi-<span class=\"__14 _1ce\"> </span>gare och nuvar<span class=\"__14 _b_13\"/>ande medarbetare. Pensionsplanernas f\u00f6r-<span class=\"__14 _1ce\"> </span>m\u00e5ga att klara de planer<span class=\"__14 _b_13\"/>ade pensionsutbetalningarna upp<span class=\"__14 _1072\"/>-<span class=\"__14 _1ce\"> </span>r\u00e4tth\u00e5lls genom plac<span class=\"__14 _1058\"/>eringar och l\u00f6pande inbetalning till<span class=\"__14 _1ce\"> </span>  planerna.<span class=\"__14 _1ce\"> </span>Som pensionsrisker r\u00e4knas s<span class=\"__14 _1058\"/>tigande v\u00e4rde p\u00e5 sk<span class=\"__14 _1058\"/>ulderna<span class=\"__14 _1ce\"> </span> eller sjunkande v\u00e4rde p\u00e5 tillg\u00e5ngarna. Dessa risk<span class=\"__14 _b_13\"/>er rapporte-<span class=\"__14 _1ce\"> </span>ras och f<span class=\"__14 _b_13\"/>\u00f6ljs upp regelbundet och innefattar \u00e4<span class=\"__14 _b_13\"/>ven olika del-<span class=\"__14 _1ce\"> </span>komponent<span class=\"__14 _b_13\"/>er av marknadsrisken, till ex<span class=\"__14 _b_13\"/>empel r\u00e4nte-, in<span class=\"__14 _b_13\"/>fla-<span class=\"__14 _1ce\"> </span>tions-, kreditspread-, f<span class=\"__14 _b_13\"/>astighets- och aktierisk. I syfte att<span class=\"__14 _1ce\"> </span> begr\u00e4nsa Nordeas risker \ufb01nns limit<span class=\"__14 _b_13\"/>er f\u00f6r poten<span class=\"__14 _1058\"/>tiella f\u00f6rlus<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1ce\"> </span> under allvarliga men rimliga s<span class=\"__14 _b_13\"/>tressh\u00e4ndelser och limiter f\u00f6r<span class=\"__14 _1ce\"> </span> kapitalutnyttjande. Dessut<span class=\"__14 _b_13\"/>om g\u00f6r<span class=\"__14 _1072\"/>s regelbundna granskningar<span class=\"__14 _1ce\"> </span> av planernas s<span class=\"__14 _b_13\"/>trategiska tillg\u00e5ngsf<span class=\"__14 _1058\"/>\u00f6rdelning f<span class=\"__14 _1058\"/>\u00f6r att s\u00e4kerst\u00e4lla<span class=\"__14 _1ce\"> </span> att placeringsinrik<span class=\"__14 _b_13\"/>tningen speglar Nordeas risktolerans. F<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1ce\"> </span> ytterligare in<span class=\"__14 _1058\"/>forma<span class=\"__14 _b_13\"/>tion, se not K8.<span class=\"__14 _1072\"/>2.<span class=\"__14 _1ce\"> </span>Group Opera<span class=\"__14 _1058\"/>tional Risk inom Group Risk utg\u00f6r den andra<span class=\"__14 _1ce\"> </span> f\u00f6rsvarslinjen f<span class=\"__14 _b_13\"/>\u00f6r kontroll a<span class=\"__14 _b_13\"/>v operativ risk generellt och ansva<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>rar f<span class=\"__14 _b_13\"/>\u00f6r att ta fram och underh\u00e5lla det \u00f6ver<span class=\"__14 _b_13\"/>gripande ramverket<span class=\"__14 _1ce\"> </span> f\u00f6r han<span class=\"__14 _b_13\"/>tering av opera<span class=\"__14 _b_13\"/>tiv risk samt f\u00f6r att \u00f6<span class=\"__14 _1058\"/>vervaka och kon-<span class=\"__14 _1ce\"> </span>trollera den f<span class=\"__14 _b_13\"/>\u00f6rsta f\u00f6rsvarslinjens hant<span class=\"__14 _1058\"/>ering av oper<span class=\"__14 _b_13\"/>ativ risk.<span class=\"__14 _1ce\"> </span> Group Opera<span class=\"__14 _1058\"/>tional Risk samarbetar med specialenheter i den<span class=\"__14 _1ce\"> </span> andra f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>svarslinjen, ex<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">empelvis Chief Security Office i fr\u00e5ga<span class=\"__14 _1ce\"> </span></span> om s\u00e4kerhetsrisker<span class=\"__14 _1c_10\"/>. Group Operational Risk \u00f6vervakar och<span class=\"__14 _1ce\"> </span> kontr<span class=\"__14 _b_13\"/>ollerar att de operativ<span class=\"__14 _1058\"/>a riskerna identi\ufb01er<span class=\"__14 _b_13\"/>as, bed\u00f6ms och<span class=\"__14 _1ce\"> </span> begr\u00e4nsas p\u00e5 l\u00e4mpligt s\u00e4tt, j\u00e4mf<span class=\"__14 _b_13\"/>\u00f6r riskniv\u00e5n mot risktoler<span class=\"__14 _b_13\"/>an-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">sen och bed\u00f6mer l\u00e4mpligheten och eff</span><span class=\"__14 _b_13\"/>ektiviteten i ramv<span class=\"__14 _b_13\"/>erket<span class=\"__14 _1ce\"> </span> f\u00f6r han<span class=\"__14 _b_13\"/>tering av opera<span class=\"__14 _b_13\"/>tiv risk liksom ramverkets in<span class=\"__14 _1058\"/>f\u00f6r<span class=\"__14 _b_13\"/>ande.<span class=\"__14 _1ce\"> </span>Fok<span class=\"__14 _b_13\"/>usomr\u00e5dena f\u00f6r Group Oper<span class=\"__14 _1058\"/>ational Risks kon<span class=\"__14 _b_13\"/>trollarbete<span class=\"__14 _1ce\"> </span> beslutas i en \u00e5rlig planering som om<span class=\"__14 _1058\"/>fa<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ttar aff</span><span class=\"__14 _b_13\"/>\u00e4r<span class=\"__14 _1072\"/>somr\u00e5den, vik<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>tiga riskomr\u00e5den och oper<span class=\"__14 _1058\"/>ativa riskpr<span class=\"__14 _b_13\"/>ocesser<span class=\"__14 _b_13\"/>. Group Opera-<span class=\"__14 _1ce\"> </span>tional Risk ansvarar f<span class=\"__14 _b_13\"/>\u00f6r att regelbundet ta fr<span class=\"__14 _1058\"/>am rapporter om<span class=\"__14 _1ce\"> </span> alla v\u00e4sen<span class=\"__14 _b_13\"/>tliga risker<span class=\"__14 _1058\"/>, inklusive utnyttjad del a<span class=\"__14 _b_13\"/>v risktoler<span class=\"__14 _1058\"/>ansli-<span class=\"__14 _1ce\"> </span>miterna och incident<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">, och skicka dessa till Chief Risk Officer</span><span class=\"__14 _b_13\"/>,<span class=\"__14 _1ce\"> </span> som sedan rapporterar till k<span class=\"__14 _b_13\"/>oncernchefen i koncernledningen,<span class=\"__14 _1ce\"> </span> koncernstyr<span class=\"__14 _b_13\"/>elsen och ber\u00f6rda kommitt\u00e9er<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>I linje med de lokala myndigheternas an<span class=\"__14 _1058\"/>visningar under<span class=\"__14 _1ce\"> </span> covid-19-pandemin, \u00f6ppnade Nor<span class=\"__14 _b_13\"/>dea successivt upp sina<span class=\"__14 _1ce\"> </span> bankkont<span class=\"__14 _b_13\"/>or och huvudkontor under 2022 och fortsatt<span class=\"__14 _1058\"/>e \u00f6ver-<span class=\"__14 _1ce\"> </span>g\u00e5ngen till en hybridmodell som i viss utstr<span class=\"__14 _b_13\"/>\u00e4ckning medger<span class=\"__14 _1ce\"> </span> fortsatt dis<span class=\"__14 _1058\"/>tansarbete. Nordeas oper<span class=\"__14 _1058\"/>ativa f<span class=\"__14 _b_13\"/>\u00f6rluster har int<span class=\"__14 _b_13\"/>e<span class=\"__14 _1ce\"> </span> \u00f6kat n\u00e4mnv<span class=\"__14 _b_13\"/>\u00e4r<span class=\"__14 _1072\"/>t till f\u00f6ljd a<span class=\"__14 _b_13\"/>v covid-19-pandemin. Nordea har<span class=\"__14 _1ce\"> </span> under \u00e5ret noga bevaka<span class=\"__14 _b_13\"/>t det geopolitiska l\u00e4get i Ukraina och<span class=\"__14 _1ce\"> </span> forts\u00e4tter a<span class=\"__14 _b_13\"/>tt g\u00f6ra det<span class=\"__14 _1072\"/>. Under hela \u00e5ret noter<span class=\"__14 _b_13\"/>ades en f\u00f6rh\u00f6jd<span class=\"__14 _1ce\"> </span> hotniv\u00e5 f<span class=\"__14 _b_13\"/>\u00f6r cybers\u00e4kerhet och i viss m\u00e5n f\u00f6r fysisk s\u00e4kerhet.<span class=\"__14 _1ce\"> </span> \u00c5tg\u00e4rder vidtogs f<span class=\"__14 _b_13\"/>\u00f6r att hanter<span class=\"__14 _1058\"/>a den \u00f6kade risken p\u00e5 dessa<span class=\"__14 _1ce\"> </span> omr\u00e5den.<span class=\"__14 _1ce\"> </span>Riskf\u00f6rklaringen f<span class=\"__14 _b_13\"/>\u00f6r operativ risk fas<span class=\"__14 _b_13\"/>tst\u00e4ller f\u00f6ljande:<span class=\"__14 _1ce\"> </span>\u2022 <span class=\"__14 _1f_10\"> </span>kvarvarande risk som \u00f6<span class=\"__14 _b_13\"/>verskrider risktoleransen och kr<span class=\"__14 _1058\"/>av<span class=\"__14 _1ce\"> </span> p\u00e5 riskbegr\u00e4nsande \u00e5t<span class=\"__14 _1058\"/>g\u00e4rder<span class=\"__14 _b_13\"/>, och<span class=\"__14 _1ce\"> </span>\u2022 <span class=\"__14 _1f_10\"> </span>total<span class=\"__14 _1058\"/>t f\u00f6rlus<span class=\"__14 _b_13\"/>tbelopp fr\u00e5n incidenter sam<span class=\"__14 _b_13\"/>t antal intr<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">\u00e4ff</span><span class=\"__14 _1058\"/>ade<span class=\"__14 _1ce\"> </span> f\u00f6rlus<span class=\"__14 _b_13\"/>th\u00e4ndelser<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>5.<span class=\"__14 _b_13\"/>1 Hant<span class=\"__14 _1058\"/>ering av oper<span class=\"__14 _b_13\"/>ativ risk<span class=\"__14 _1ce\"> </span>Hanteringen a<span class=\"__14 _b_13\"/>v operativ risk innef<span class=\"__14 _b_13\"/>attar allt som syftar till att<span class=\"__14 _1ce\"> </span> identi\ufb01er<span class=\"__14 _1058\"/>a, bed\u00f6ma och m\u00e4ta, reager<span class=\"__14 _b_13\"/>a p\u00e5 och begr\u00e4nsa, kon-<span class=\"__14 _1ce\"> </span>trollera och f<span class=\"__14 _b_13\"/>\u00f6lja upp samt rapportera risker<span class=\"__14 _1c_10\"/>. F\u00f6r riskhante-<span class=\"__14 _1ce\"> </span>ringen \ufb01nns ett antal s<span class=\"__14 _b_13\"/>t\u00f6dprocesser<span class=\"__14 _b_13\"/>, bland annat f\u00f6r utv<span class=\"__14 _b_13\"/>\u00e4rde-<span class=\"__14 _1ce\"> </span>ring av risk<span class=\"__14 _b_13\"/>er och kontroller i den egna verksamheten, risk<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>hantering och godk\u00e4nnande vid f<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar<span class=\"__14 _b_13\"/>,<span class=\"__14 _1ce\"> </span> incidenthan<span class=\"__14 _b_13\"/>tering, scenarioanalys, kon<span class=\"__14 _1058\"/>tinuitets- och krishan-<span class=\"__14 _1ce\"> </span>tering, hant<span class=\"__14 _1058\"/>ering av in<span class=\"__14 _b_13\"/>formationss\u00e4kerhet, hantering a<span class=\"__14 _b_13\"/>v tek-<span class=\"__14 _1ce\"> </span>nik- och da<span class=\"__14 _b_13\"/>tarisker<span class=\"__14 _b_13\"/>, hantering av tr<span class=\"__14 _1058\"/>edjepartsrisker<span class=\"__14 _b_13\"/>, spridning<span class=\"__14 _1ce\"> </span> av f<span class=\"__14 _b_13\"/>\u00f6rs\u00e4kringsrisker samt s\u00e4rskilt viktiga oper<span class=\"__14 _b_13\"/>ativa processer<span class=\"__14 _1c_10\"/>.<span class=\"__14 _1ce\"> </span>Vissa av dessa pr<span class=\"__14 _b_13\"/>ocesser beskrivs nedan och mer informa<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>tion om processer f<span class=\"__14 _b_13\"/>\u00f6r hantering och kon<span class=\"__14 _b_13\"/>troll av operativ<span class=\"__14 _b_13\"/>a ris-<span class=\"__14 _1ce\"> </span>ker \ufb01nns i a<span class=\"__14 _b_13\"/>vsnittet Operational and Compliance Risk i<span class=\"__14 _1ce\"> </span> Nordeas kapital- och riskhan<span class=\"__14 _b_13\"/>teringsrapport f\u00f6r 2022 (<span class=\"__14 _1058\"/>Capital<span class=\"__14 _1ce\"> </span> and Risk Management R<span class=\"__14 _1058\"/>eport 2021) som publiceras i enlighet<span class=\"__14 _1ce\"> </span> med kapitalt\u00e4ckningsf<span class=\"__14 _b_13\"/>\u00f6rordningen (CRR).<span class=\"__14 _1ce\"> </span>Utv\u00e4rdering av risker<span class=\"__14 _1058\"/> och kon<span class=\"__14 _b_13\"/>troller<span class=\"__14 _1ce\"> </span> i den egna verksamheten<span class=\"__14 _1ce\"> </span>Processen f<span class=\"__14 _b_13\"/>\u00f6r utv\u00e4rdering av risk<span class=\"__14 _b_13\"/>er och kontroller i den egna<span class=\"__14 _1ce\"> </span> verksamheten ska s\u00e4kers<span class=\"__14 _1058\"/>t\u00e4lla en \u00f6versik<span class=\"__14 _b_13\"/>t och bed\u00f6mning av<span class=\"__14 _1ce\"> </span> de operativ<span class=\"__14 _b_13\"/>a riskerna och regelefterlevnadsriskerna, liksom<span class=\"__14 _1ce\"> </span> kontr<span class=\"__14 _b_13\"/>ollerna av dessa, i hela Nordea. Proce<span class=\"__14 _1058\"/>ssen \u00f6kar riskmed-<span class=\"__14 _1ce\"> </span>vetenheten och g\u00f6r det m\u00f6jligt a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">tt dels effektivt bed\u00f6ma,<span class=\"__14 _1ce\"> </span></span> K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>5. Operativ risk<span class=\"__14 _1ce\"> </span>Operativ risk de\ufb01nier<span class=\"__14 _b_13\"/>as i Nordea som risken f\u00f6r f<span class=\"__14 _b_13\"/>\u00f6rlust till<span class=\"__14 _1ce\"> </span> f\u00f6ljd a<span class=\"__14 _b_13\"/>v brister eller fel h\u00e4n<span class=\"__14 _b_13\"/>f\u00f6rliga till interna pr<span class=\"__14 _b_13\"/>ocesser<span class=\"__14 _b_13\"/>, eller<span class=\"__14 _1ce\"> </span> till m\u00e4nniskor<span class=\"__14 _b_13\"/>, system eller e<span class=\"__14 _b_13\"/>xterna h\u00e4ndelser<span class=\"__14 _b_13\"/>, och innefattar<span class=\"__14 _1ce\"> </span> legal risk.<span class=\"__14 _1ce\"> </span> Operativ<span class=\"__14 _b_13\"/>a risker \ufb01nns i all verksamhet i Nordea. Chefer i<span class=\"__14 _1ce\"> </span> hela Nordea ansvar<span class=\"__14 _b_13\"/>ar f\u00f6r de operativa risk<span class=\"__14 _b_13\"/>erna inom ramen<span class=\"__14 _1ce\"> </span> f\u00f6r sina bef<span class=\"__14 _b_13\"/>ogenheter<span class=\"__14 _b_13\"/>, och f\u00f6r att han<span class=\"__14 _1058\"/>tera dessa risk<span class=\"__14 _1058\"/>er inom<span class=\"__14 _1ce\"> </span> de risklimiter och den riskt<span class=\"__14 _b_13\"/>olerans som anges i ramverk<span class=\"__14 _1058\"/>et f\u00f6r<span class=\"__14 _1ce\"> </span> hantering a<span class=\"__14 _b_13\"/>v operativ risk.<span class=\"__14 _1ce\"> </span>227<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>kontr<span class=\"__14 _b_13\"/>ollera och begr\u00e4nsa de risker som identi\ufb01er<span class=\"__14 _b_13\"/>ats, dels stra-<span class=\"__14 _1ce\"> </span>tegiskt priorit<span class=\"__14 _b_13\"/>era och f\u00f6rdela resurser f<span class=\"__14 _b_13\"/>\u00f6r begr\u00e4nsning och<span class=\"__14 _1ce\"> </span> uppf\u00f6ljning a<span class=\"__14 _b_13\"/>v risker som \u00f6verskrider risk<span class=\"__14 _b_13\"/>toleransen och/<span class=\"__14 _1058\"/>eller<span class=\"__14 _1ce\"> </span> risklimiterna. Utv\u00e4rderingen a<span class=\"__14 _b_13\"/>v risker och kontr<span class=\"__14 _b_13\"/>oller i den<span class=\"__14 _1ce\"> </span> egna verksamheten och resul<span class=\"__14 _b_13\"/>tatet fr\u00e5n proc<span class=\"__14 _b_13\"/>essen utg\u00f6r ocks\u00e5<span class=\"__14 _1ce\"> </span> underlag f\u00f6r riskr<span class=\"__14 _b_13\"/>appor<span class=\"__14 _1072\"/>teringen i Nordea.<span class=\"__14 _1ce\"> </span>Riskhan<span class=\"__14 _1058\"/>tering och godk\u00e4nnande vid f\u00f6r<span class=\"__14 _b_13\"/>\u00e4ndringar<span class=\"__14 _1ce\"> </span>Processen f<span class=\"__14 _b_13\"/>\u00f6r riskhantering och godk\u00e4nnande vid f<span class=\"__14 _b_13\"/>\u00f6r\u00e4nd-<span class=\"__14 _1ce\"> </span>ringar ska s\u00e4kerst\u00e4lla k\u00e4nnedom om de risker s<span class=\"__14 _b_13\"/>om uppst\u00e5r i<span class=\"__14 _1ce\"> </span> samband med en f\u00f6r<span class=\"__14 _b_13\"/>\u00e4ndring, och att riskerna hanteras p\u00e5<span class=\"__14 _1ce\"> </span> l\u00e4mpligt s\u00e4tt i enlighet med Nordeas risk<span class=\"__14 _b_13\"/>tolerans och ramv<span class=\"__14 _1058\"/>erk<span class=\"__14 _1ce\"> </span> innan en f\u00f6r<span class=\"__14 _b_13\"/>\u00e4ndring godk\u00e4nns eller genomf\u00f6rs.  Processen f<span class=\"__14 _b_13\"/>\u00f6r riskhantering och godk\u00e4nnande vid f<span class=\"__14 _b_13\"/>\u00f6r\u00e4nd-<span class=\"__14 _1ce\"> </span>ringar ska anv\u00e4ndas f<span class=\"__14 _b_13\"/>\u00f6r alla typer av f<span class=\"__14 _1058\"/>\u00f6r\u00e4ndrings- och utveck<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>lingsinitiativ som r\u00f6r e<span class=\"__14 _b_13\"/>xempelvis ny<span class=\"__14 _b_13\"/>a eller f\u00f6r\u00e4ndrade pr<span class=\"__14 _b_13\"/>oces-<span class=\"__14 _1ce\"> </span>ser<span class=\"__14 _b_13\"/>, organisationsf<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar<span class=\"__14 _b_13\"/>, f\u00f6r\u00e4ndringar i inf<span class=\"__14 _b_13\"/>ormations-<span class=\"__14 _1ce\"> </span> och kommunikations<span class=\"__14 _b_13\"/>teknik<span class=\"__14 _1072\"/>, nya uppdr<span class=\"__14 _b_13\"/>agsavtal och<span class=\"__14 _1ce\"> </span> ex<span class=\"__14 _b_13\"/>ceptionella transak<span class=\"__14 _1058\"/>tioner<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>Inciden<span class=\"__14 _1058\"/>thant<span class=\"__14 _b_13\"/>ering<span class=\"__14 _1ce\"> </span>Ramverket f<span class=\"__14 _b_13\"/>\u00f6r incidenthant<span class=\"__14 _1058\"/>ering ska s\u00e4kerst\u00e4lla a<span class=\"__14 _1058\"/>tt uppt\u00e4ck<span class=\"__14 _b_13\"/>ta<span class=\"__14 _1ce\"> </span> incidenter han<span class=\"__14 _b_13\"/>teras och rapporteras p\u00e5 l\u00e4mpligt s\u00e4tt f<span class=\"__14 _b_13\"/>\u00f6r att<span class=\"__14 _1ce\"> </span> minimera konsekv<span class=\"__14 _b_13\"/>enserna f\u00f6r <span class=\"ws56_3\">Nordea</span> och dess kunder<span class=\"__14 _1c_10\"/>, f\u00f6rhin<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span>dra att de h\u00e4nder igen sam<span class=\"__14 _b_13\"/>t minska konsekvenserna a<span class=\"__14 _b_13\"/>v fram<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span>tida incidenter<span class=\"__14 _1c_10\"/>. Incidenter bed\u00f6ms omedelbart f\u00f6r att f<span class=\"__14 _b_13\"/>astst\u00e4lla<span class=\"__14 _1ce\"> </span> hur allvarliga de \u00e4r<span class=\"__14 _1c_10\"/>. Beroende p\u00e5 vilken typ av inciden<span class=\"__14 _b_13\"/>t det r\u00f6r<span class=\"__14 _1ce\"> </span> sig om och hur allvarlig den \u00e4r<span class=\"__14 _1c_10\"/>, st\u00e4lls olika kra<span class=\"__14 _b_13\"/>v p\u00e5 vilka intres<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span>senter s<span class=\"__14 _b_13\"/>om ska involver<span class=\"__14 _1058\"/>as och even<span class=\"__14 _1058\"/>tuell ext<span class=\"__14 _b_13\"/>ern rapportering,<span class=\"__14 _1ce\"> </span> bland annat incidentr<span class=\"__14 _b_13\"/>appor<span class=\"__14 _1072\"/>tering till ber\u00f6rda m<span class=\"__14 _1058\"/>yndigheter<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>Kon<span class=\"__14 _b_13\"/>tinuitets- och krishan<span class=\"__14 _b_13\"/>tering<span class=\"__14 _1ce\"> </span>Ramverket f<span class=\"__14 _b_13\"/>\u00f6r kontinuitets- och krishan<span class=\"__14 _b_13\"/>tering ska s\u00e4kerst\u00e4lla<span class=\"__14 _1ce\"> </span> Nordea<span class=\"ws0_14\">s kapacitet a<span class=\"__14 _1058\"/>tt hanter<span class=\"__14 _b_13\"/>a extraordin\u00e4r<span class=\"__14 _1058\"/>a h\u00e4ndelser och kri<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span></span>ser samt s\u00e4kr<span class=\"__14 _b_13\"/>a \u00e5terst\u00e4llning och fortsatt lev<span class=\"__14 _b_13\"/>erans av priorite<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span>rade produk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _b_13\"/>, tj\u00e4nster och processer till i f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>v\u00e4g fas<span class=\"__14 _b_13\"/>tst\u00e4llda<span class=\"__14 _1ce\"> </span> godtagbara niv\u00e5er<span class=\"__14 _1c_10\"/>. Extraordin\u00e4ra h\u00e4ndelser och kriser e<span class=\"__14 _1058\"/>skale<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span>ras efter r<span class=\"__14 _1058\"/>elevans och inom rimlig tid, och \u00e5t<span class=\"__14 _b_13\"/>g\u00e4rder vidtas<span class=\"__14 _1ce\"> </span> enligt en i f\u00f6rv\u00e4g f<span class=\"__14 _b_13\"/>astst\u00e4lld struk<span class=\"__14 _b_13\"/>tur. K<span class=\"__14 _b_13\"/>apaciteten kontroller<span class=\"__14 _b_13\"/>as<span class=\"__14 _1ce\"> </span> genom att tes<span class=\"__14 _1058\"/>ta de fas<span class=\"__14 _b_13\"/>tst\u00e4llda planerna och \u00f6va organisa<span class=\"__14 _1058\"/>tio<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span>nen f\u00f6r a<span class=\"__14 _b_13\"/>tt s\u00e4kerst\u00e4lla fullgott skydd f<span class=\"__14 _b_13\"/>\u00f6r <span class=\"ws56_3\">Nordea</span>s resurser (dvs.<span class=\"__14 _1ce\"> </span> personal, lokaler<span class=\"__14 _b_13\"/>, teknik och informa<span class=\"__14 _b_13\"/>tion), leveranskedja,<span class=\"__14 _1ce\"> </span> ber\u00f6rda parter och anseende, innan en st<span class=\"__14 _b_13\"/>\u00f6rning/incident<span class=\"__14 _1ce\"> </span> intr<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">\u00e4ffar</span><span class=\"__14 _1c_10\"/>. H\u00e4r ing\u00e5r ocks\u00e5 att se till att roller och ansv<span class=\"__14 _1058\"/>arsomr\u00e5<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span>den \u00e4r tydliga, k\u00e4nda och kommunicer<span class=\"__14 _b_13\"/>ade till alla inblandade.<span class=\"__14 _1ce\"> </span>Han<span class=\"__14 _1058\"/>tering av tredjepartsrisker<span class=\"__14 _1ce\"> </span>Hanteringen a<span class=\"__14 _b_13\"/>v tredjepartsrisker ska s\u00e4kerst\u00e4lla att risker<span class=\"__14 _1ce\"> </span> h\u00e4nf<span class=\"__14 _b_13\"/>\u00f6rliga till tredje part och deras verksamhet, bland annat<span class=\"__14 _1ce\"> </span> uppdragsa<span class=\"__14 _b_13\"/>vtal<span class=\"__14 _1072\"/>, identi\ufb01er<span class=\"__14 _1058\"/>as, bed\u00f6ms och begr\u00e4nsas p\u00e5 l\u00e4mp-<span class=\"__14 _1ce\"> </span>ligt s\u00e4tt innan a<span class=\"__14 _b_13\"/>vtal med dessa ing\u00e5s, under avtalstiden och<span class=\"__14 _1ce\"> </span> n\u00e4r avtal<span class=\"__14 _1058\"/>et ska avsl<span class=\"__14 _b_13\"/>utas. Hanteringen av tr<span class=\"__14 _b_13\"/>edjepar<span class=\"__14 _1072\"/>tsrisker<span class=\"__14 _1ce\"> </span> s\u00e4kerst\u00e4ller att risk<span class=\"__14 _b_13\"/>er  <span class=\"__14 _1067\"/>h\u00e4nf<span class=\"__14 _b_13\"/>\u00f6rliga till tredje par<span class=\"__14 _1072\"/>t och deras<span class=\"__14 _1ce\"> </span> verksamhet h\u00e5lls inom g\u00e4llande risk<span class=\"__14 _1058\"/>tolerans och risklimiter<span class=\"__14 _1c_10\"/>.<span class=\"__14 _1ce\"> </span>Han<span class=\"__14 _1058\"/>tering av risker<span class=\"__14 _1058\"/> i informations-<span class=\"__14 _1ce\"> </span> och kommunikations<span class=\"__14 _b_13\"/>teknik<span class=\"__14 _1ce\"> </span>Hanteringen a<span class=\"__14 _b_13\"/>v risker i inf<span class=\"__14 _b_13\"/>ormations- och kommunikations-<span class=\"__14 _1ce\"> </span>teknik ska s\u00e4kerst\u00e4lla a<span class=\"__14 _b_13\"/>tt risker h\u00e4nf\u00f6rliga till in<span class=\"__14 _b_13\"/>formations-<span class=\"__14 _1ce\"> </span> och kommunikations<span class=\"__14 _b_13\"/>teknik och datahantering iden<span class=\"__14 _b_13\"/>ti\ufb01eras,<span class=\"__14 _1ce\"> </span> bed\u00f6ms och hanter<span class=\"__14 _b_13\"/>as. Detta innefattar \u00e4<span class=\"__14 _b_13\"/>ven den oberoende<span class=\"__14 _1ce\"> </span> valideringen a<span class=\"__14 _b_13\"/>v riskdataaggregering och riskrapportering.<span class=\"__14 _1ce\"> </span>Nordea<span class=\"ws0_14\"> har ett inf<span class=\"__14 _b_13\"/>ormationss\u00e4kerhetssystem f<span class=\"__14 _b_13\"/>\u00f6r att uppr\u00e4tt<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span></span>h\u00e5lla principerna och kra<span class=\"__14 _b_13\"/>ven f\u00f6r inf<span class=\"__14 _b_13\"/>ormationss\u00e4kerhet. Det<span class=\"__14 _1ce\"> </span> \u00f6vergripande syftet \u00e4r a<span class=\"__14 _b_13\"/>tt uppr\u00e4tth\u00e5lla sekretess, in<span class=\"__14 _b_13\"/>tegritet och<span class=\"__14 _1ce\"> </span> tillg\u00e4nglighet f\u00f6r <span class=\"ws57_3\">Nor<span class=\"__14 _1058\"/>dea<span class=\"ws0_14\">s inf<span class=\"__14 _b_13\"/>ormation, och informa<span class=\"__14 _b_13\"/>tion som<span class=\"__14 _1072\"/> </span></span>anf<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>trotts Nor<span class=\"__14 _1058\"/>dea<span class=\"ws0_14\">, genom att till\u00e4mpa en riskbaserad met<span class=\"__14 _b_13\"/>od.<span class=\"__14 _1ce\"> </span></span>5.2 Hantering a<span class=\"__14 _b_13\"/>v risker i den \ufb01nansiella rapporteringen<span class=\"__14 _1ce\"> </span>Risk i den \ufb01nansiella rapporteringen de\ufb01nieras som risk<span class=\"__14 _1058\"/>en f\u00f6r<span class=\"__14 _1ce\"> </span> felak<span class=\"__14 _b_13\"/>tigheter eller brister i den \ufb01nansiella rapporteringen, den<span class=\"__14 _1ce\"> </span> lagstadgade rapporteringen, l\u00e4mnade uppl<span class=\"__14 _b_13\"/>ysningar, ska<span class=\"__14 _b_13\"/>tte-<span class=\"__14 _1ce\"> </span>rapportering och redovisning a<span class=\"__14 _b_13\"/>v ESG-upplysningar<span class=\"__14 _b_13\"/>. Det \ufb01nns<span class=\"__14 _1ce\"> </span> ett intern<span class=\"__14 _b_13\"/>t kontrollsyst<span class=\"__14 _b_13\"/>em f\u00f6r hantering a<span class=\"__14 _b_13\"/>v risker i den \ufb01nan-<span class=\"__14 _1ce\"> </span>siella rapporteringen. Syst<span class=\"__14 _b_13\"/>emet ger en struktur och inneh\u00e5ller<span class=\"__14 _1ce\"> </span> standarder f<span class=\"__14 _b_13\"/>\u00f6r hur den interna kon<span class=\"__14 _b_13\"/>trollen av den \ufb01nansiella<span class=\"__14 _1ce\"> </span> rapporteringen ska utf<span class=\"__14 _1058\"/>ormas, sk\u00f6tas och utv<span class=\"__14 _b_13\"/>\u00e4rderas i hela<span class=\"__14 _1ce\"> </span> koncernen. Det \u00e4r genom det h\u00e4r syst<span class=\"__14 _b_13\"/>emet som ledningen ger<span class=\"__14 _1ce\"> </span> sin f\u00f6rs\u00e4kran p\u00e5 de \ufb01nansiella r<span class=\"__14 _b_13\"/>appor<span class=\"__14 _1072\"/>terna. Group Risk \u00e4r<span class=\"__14 _1ce\"> </span> kontr<span class=\"__14 _b_13\"/>ollfunktionen f\u00f6r risk<span class=\"__14 _b_13\"/>er i den \ufb01nansiella rappor<span class=\"__14 _1072\"/>teringen<span class=\"__14 _1ce\"> </span> och ansvarar f<span class=\"__14 _b_13\"/>\u00f6r den oberoende uppf\u00f6ljningen och k<span class=\"__14 _1058\"/>ontrollen<span class=\"__14 _1ce\"> </span> av risk<span class=\"__14 _b_13\"/>erna och koncernens inf\u00f6r<span class=\"__14 _b_13\"/>ande av ramv<span class=\"__14 _1058\"/>erket. Funk<span class=\"__14 _1058\"/>tio-<span class=\"__14 _1ce\"> </span>nen rapporterar till re<span class=\"__14 _1058\"/>visionskommitt\u00e9n (BA<span class=\"__14 _b_13\"/>C) varje kvartal.<span class=\"__14 _1ce\"> </span>6. Regelefterl<span class=\"__14 _1058\"/>evnadsrisk<span class=\"__14 _1ce\"> </span>Nordea de\ufb01nierar r<span class=\"__14 _1058\"/>egelefterlevnadsrisk som risk<span class=\"__14 _1058\"/>en att int<span class=\"__14 _b_13\"/>e<span class=\"__14 _1ce\"> </span> lyckas eft<span class=\"__14 _b_13\"/>erleva g\u00e4llande lagar och motsvarande in<span class=\"__14 _b_13\"/>terna<span class=\"__14 _1ce\"> </span> best\u00e4<span class=\"__14 _1072\"/>mme<span class=\"__14 _1072\"/>lser. Hanteringen a<span class=\"__14 _b_13\"/>v regelefterlevnadsrisk styrs a<span class=\"__14 _b_13\"/>v<span class=\"__14 _1072\"/> Nordea<span class=\"ws0_14\">s riskf<span class=\"__14 _1058\"/>\u00f6rklaring f\u00f6r r<span class=\"__14 _1058\"/>egelefterlevnadsrisk, som ocks\u00e5<span class=\"__14 _1ce\"> </span></span><span class=\"ws0_14\"> </span>anger vilka kra<span class=\"__14 _b_13\"/>v som g\u00e4ller f\u00f6r begr\u00e4nsningen a<span class=\"__14 _b_13\"/>v regelefterlev<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span>nadsrisk. Medarbetare i hela <span class=\"ws57_3\">Nordea</span> ansvar<span class=\"__14 _b_13\"/>ar f\u00f6r regelefterlev<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span>nadsriskerna inom ramen f<span class=\"__14 _b_13\"/>\u00f6r sina befogenheter och f<span class=\"__14 _b_13\"/>\u00f6r att<span class=\"__14 _1ce\"> </span> hanter<span class=\"__14 _b_13\"/>a dessa risker i enlighet med ramverket f<span class=\"__14 _b_13\"/>\u00f6r hantering a<span class=\"__14 _b_13\"/>v<span class=\"__14 _1072\"/> regelefterlevnadsrisk. Group Complianc<span class=\"__14 _b_13\"/>e \u00e4r <span class=\"ws57_3\">Nordea</span>s obero<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span>ende regelefterlevnadsf<span class=\"__14 _b_13\"/>unktion i den andra f\u00f6rsv<span class=\"__14 _1058\"/>arslinjen och<span class=\"__14 _1ce\"> </span> ansvarar f<span class=\"__14 _b_13\"/>\u00f6r att utveckla och underh\u00e5lla ramv<span class=\"__14 _b_13\"/>erket samt v\u00e4g<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span>leda verksamheten i der<span class=\"__14 _1058\"/>as inf<span class=\"__14 _b_13\"/>\u00f6rande och till\u00e4mpning av ram<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span>verket.<span class=\"__14 _1ce\"> </span>Aktivitet<span class=\"__14 _b_13\"/>erna p\u00e5 regelefterlevnadsomr\u00e5det presen<span class=\"__14 _b_13\"/>teras f\u00f6r<span class=\"__14 _1ce\"> </span> Nordeas vd och konc<span class=\"__14 _b_13\"/>ernchef och styrelse i form a<span class=\"__14 _b_13\"/>v en \u00e5rlig<span class=\"__14 _1ce\"> </span> plan f\u00f6r r<span class=\"__14 _1058\"/>egelefterlevnad. Den \u00e5rliga planen f<span class=\"__14 _b_13\"/>\u00f6r regelefterlev-<span class=\"__14 _1ce\"> </span>nad inneh\u00e5ller en \u00f6versik<span class=\"__14 _b_13\"/>t \u00f6ver Nordeas aktivitet<span class=\"__14 _b_13\"/>er p\u00e5 omr\u00e5-<span class=\"__14 _1ce\"> </span>det, inklusive Group Compliances \u00f6v<span class=\"__14 _b_13\"/>ergripande strategi f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1ce\"> </span> viktiga riskomr<span class=\"__14 _b_13\"/>\u00e5den. Planen utg\u00f6rs av detaljerade planer f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">aff\u00e4rsomr</span><span class=\"__14 _b_13\"/>\u00e5den, koncernfunk<span class=\"__14 _b_13\"/>tioner, k<span class=\"__14 _1058\"/>onsoliderade dott<span class=\"__14 _b_13\"/>er<span class=\"__14 _1072\"/>f\u00f6re-<span class=\"__14 _1ce\"> </span>tag och \ufb01lialer<span class=\"__14 _b_13\"/>, och f\u00f6r respek<span class=\"__14 _b_13\"/>tive riskomr\u00e5de. Group Compli-<span class=\"__14 _1ce\"> </span>ance ansvar<span class=\"__14 _1058\"/>ar ocks\u00e5 f\u00f6r den l\u00f6pande r<span class=\"__14 _b_13\"/>appor<span class=\"__14 _1072\"/>teringen av sina<span class=\"__14 _1ce\"> </span> planer till koncernstyr<span class=\"__14 _b_13\"/>elsen, koncernchefen i konc<span class=\"__14 _1058\"/>ernled-<span class=\"__14 _1ce\"> </span>ningen, \ufb01lialledningen och ber\u00f6rda kommitt<span class=\"__14 _b_13\"/>\u00e9er, mins<span class=\"__14 _b_13\"/>t en<span class=\"__14 _1ce\"> </span> g\u00e5ng per kvartal.<span class=\"__14 _1ce\"> </span>Under 2022 p\u00e5v<span class=\"__14 _b_13\"/>erkades m\u00e5nga privat- och f\u00f6r<span class=\"__14 _b_13\"/>etagskun-<span class=\"__14 _1ce\"> </span>ders ekonomi negativt a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">v effekterna a</span><span class=\"__14 _b_13\"/>v Rysslands invasion a<span class=\"__14 _b_13\"/>v<span class=\"__14 _1ce\"> </span> Ukraina, snabbt s<span class=\"__14 _b_13\"/>tigande inflation, stigande r\u00e4n<span class=\"__14 _b_13\"/>tor och h\u00f6gre<span class=\"__14 _1ce\"> </span> energikostnader<span class=\"__14 _1c_10\"/>. F\u00f6r m\u00e5nga, fram<span class=\"__14 _b_13\"/>f\u00f6r allt sm\u00e5f<span class=\"__14 _b_13\"/>\u00f6retag, kom<span class=\"__14 _1ce\"> </span> detta i till\u00e4gg till en redan f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>svagad ekonomisk st<span class=\"__14 _1058\"/>\u00e4llning<span class=\"__14 _1ce\"> </span> efter covid-<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">19-pandemin. Nordea har tagit h\u00e4nsyn till effek</span><span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>terna a<span class=\"__14 _1058\"/>v h\u00f6gre infla<span class=\"__14 _b_13\"/>tion i sin kreditgivning och f\u00f6ljt anvisning-<span class=\"__14 _1ce\"> </span>arna fr\u00e5n tillsynsm<span class=\"__14 _1058\"/>yndigheter<span class=\"__14 _b_13\"/>, ex<span class=\"__14 _b_13\"/>empelvis ESMA, som i ett<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">offen</span><span class=\"__14 _b_13\"/>tligt uttalande har p\u00e5mint f\u00f6r<span class=\"__14 _b_13\"/>etag om att ta h\u00e4nsyn till<span class=\"__14 _1ce\"> </span> inflations<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">effek</span><span class=\"__14 _b_13\"/>terna i sina placeringstj\u00e4nster och sin pr<span class=\"__14 _b_13\"/>odukt-<span class=\"__14 _1ce\"> </span>styrning. Stigande r\u00e4n<span class=\"__14 _b_13\"/>tor har ocks\u00e5 skapat nya m\u00f6jligheter f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1ce\"> </span> kunder att f<span class=\"__14 _b_13\"/>\u00f6rb\u00e4ttra a<span class=\"__14 _1058\"/>vkastningen p\u00e5 sina sparkon<span class=\"__14 _b_13\"/>ton och fas<span class=\"ws0_14\">-<span class=\"__14 _1ce\"> </span></span>tr\u00e4n<span class=\"__14 _1058\"/>teplaceringar<span class=\"__14 _b_13\"/>, och Nordea f<span class=\"__14 _b_13\"/>or<span class=\"__14 _1072\"/>ts\u00e4tter att se \u00f6<span class=\"__14 _b_13\"/>ver sitt pro-<span class=\"__14 _1ce\"> </span>dukterbjudande med a<span class=\"__14 _b_13\"/>vseende p\u00e5 l\u00e4mplighet och bredd uti-<span class=\"__14 _1ce\"> </span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>228<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>fr\u00e5n f<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar i omv\u00e4rlden. Under 2022 in<span class=\"__14 _1058\"/>f\u00f6r<span class=\"__14 _1058\"/>de Nordea<span class=\"__14 _1ce\"> </span> ocks\u00e5 MiFID II-kra<span class=\"__14 _b_13\"/>ven om h\u00e5llbarhetspreferens<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>, som ger<span class=\"__14 _1ce\"> </span> kunder m\u00f6jlighet att p\u00e5 ett mer s<span class=\"__14 _b_13\"/>trukturerat s\u00e4<span class=\"__14 _b_13\"/>tt uttr<span class=\"__14 _1072\"/>ycka sina<span class=\"__14 _1ce\"> </span> pref<span class=\"__14 _b_13\"/>erenser n\u00e4r det g\u00e4ller h\u00e5llbara placeringar<span class=\"__14 _b_13\"/>. I samband<span class=\"__14 _1ce\"> </span> med detta, och andra f<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar p\u00e5 marknaden och i regel-<span class=\"__14 _1ce\"> </span>verken, har Nordea ocks\u00e5 sk<span class=\"__14 _1058\"/>\u00e4rpt sitt f<span class=\"__14 _1058\"/>okus i regeleft<span class=\"__14 _1058\"/>erlev-<span class=\"__14 _1ce\"> </span>nadsfunk<span class=\"__14 _1058\"/>tionen p\u00e5 att s\u00e4kerst\u00e4lla a<span class=\"__14 _b_13\"/>tt det \ufb01nns tillr\u00e4ckliga<span class=\"__14 _1ce\"> </span> kontr<span class=\"__14 _b_13\"/>oller f\u00f6r att begr\u00e4nsa risken f<span class=\"__14 _b_13\"/>\u00f6r s\u00e5 kallad gr\u00f6nm\u00e5lning<span class=\"__14 _1ce\"> </span> (green<span class=\"__14 _1058\"/>washing).<span class=\"__14 _1ce\"> </span>Nordeas etiska rik<span class=\"__14 _1058\"/>tlinjer och h\u00e5llbarhetspolicy beskriver de<span class=\"__14 _1ce\"> </span> \u00f6vergripande a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ff\u00e4rsetiska principerna f\u00f6r hur vi ska behandla<span class=\"__14 _1ce\"> </span></span> v\u00e5ra k<span class=\"__14 _b_13\"/>under och hur v\u00e5ra medarbetare f<span class=\"__14 _1058\"/>\u00f6rv\u00e4ntas ager<span class=\"__14 _b_13\"/>a. Som<span class=\"__14 _1ce\"> </span> st\u00f6d \ufb01nns Nordeas \u00f6<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">vergripande aff\u00e4rsprinciper som beskri-<span class=\"__14 _1ce\"> </span></span>ver hur vi ska behandla v\u00e5r<span class=\"__14 _b_13\"/>a kunder och hur v\u00e5ra medarbe-<span class=\"__14 _1ce\"> </span>tare f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>v\u00e4ntas ager<span class=\"__14 _b_13\"/>a. De ligger till grund f\u00f6r Nordeas kultur<span class=\"__14 _1ce\"> </span> och sl\u00e5r fas<span class=\"__14 _1058\"/>t hur vi ska agera inom omr\u00e5den s<span class=\"__14 _1058\"/>om ex<span class=\"__14 _b_13\"/>empelvis<span class=\"__14 _1ce\"> </span> milj\u00f6h\u00e4nsyn, arbetsvillkor<span class=\"__14 _b_13\"/>, behandling av k<span class=\"__14 _b_13\"/>under, m\u00e4nskliga<span class=\"__14 _1ce\"> </span> r\u00e4ttighet<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>, r\u00e4tten till in<span class=\"__14 _b_13\"/>tegritet<span class=\"__14 _1072\"/>, r\u00e4ttvis k<span class=\"__14 _1058\"/>onkurrens sam<span class=\"__14 _b_13\"/>t<span class=\"__14 _1ce\"> </span> bek\u00e4mpning av mut<span class=\"__14 _b_13\"/>or och korruption. V<span class=\"__14 _b_13\"/>\u00e5ra etiska riktlinjer<span class=\"__14 _1ce\"> </span> granskas en g\u00e5ng om \u00e5ret och uppda<span class=\"__14 _b_13\"/>terades senast i juni<span class=\"__14 _1ce\"> </span> 2022. Uppf\u00f6ljningen a<span class=\"__14 _b_13\"/>v hur riktlinjerna efterlevs sk<span class=\"__14 _b_13\"/>er genom<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">regelbunden rapportering till Chief Compliance Offic</span><span class=\"__14 _b_13\"/>er, Chief<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">Risk Officer</span><span class=\"__14 _b_13\"/>, koncernchef<span class=\"__14 _b_13\"/>en och styrelsen. Alla v<span class=\"__14 _1058\"/>\u00e5ra medarbe-<span class=\"__14 _1ce\"> </span>tare ska varje \u00e5r genomg\u00e5 en utbildning om v<span class=\"__14 _b_13\"/>\u00e5ra etiska rikt-<span class=\"__14 _1ce\"> </span>linjer som en del av der<span class=\"__14 _b_13\"/>as \u201dlicence to work\u201d<span class=\"__14 _1c_10\"/>. P\u00e5 s\u00e5 s\u00e4tt s\u00e4ker-<span class=\"__14 _1ce\"> </span>st\u00e4lls den medvet<span class=\"__14 _1058\"/>enhet och kunskap som beh\u00f6vs om de<span class=\"__14 _1ce\"> </span> etiska principerna. Utbildningen 2022 innefa<span class=\"__14 _b_13\"/>ttade \u00e4ven<span class=\"__14 _1ce\"> </span> m\u00e5ngfald och inkludering och ager<span class=\"__14 _b_13\"/>ande p\u00e5 n\u00e4tet, ut\u00f6ver de<span class=\"__14 _1ce\"> </span> mer allm\u00e4nna delarna om v\u00e5ra etiska rik<span class=\"__14 _b_13\"/>tlinjer med bland<span class=\"__14 _1ce\"> </span> annat bek\u00e4mpning a<span class=\"__14 _b_13\"/>v mutor och korruption. Under \u00e5ret \ufb01ck<span class=\"__14 _1ce\"> </span> 97<span class=\"__14 _1c_10\"/>,<span class=\"__14 _1072\"/>2 procen<span class=\"__14 _1058\"/>t av alla medarbetar<span class=\"__14 _b_13\"/>e (f\u00f6rutom tj\u00e4nstlediga/f\u00f6r-<span class=\"__14 _1ce\"> </span>\u00e4ldralediga) sin \u201dlicence t<span class=\"__14 _b_13\"/>o work\u201d<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>Nordeas funk<span class=\"__14 _b_13\"/>tion f\u00f6r visselbl\u00e5sning, Raise Y<span class=\"__14 _1c_10\"/>our Concern<span class=\"__14 _1ce\"> </span> (RY<span class=\"__14 _b_13\"/>C), s\u00e4kerst\u00e4ller att alla v\u00e5r<span class=\"__14 _b_13\"/>a intressent<span class=\"__14 _b_13\"/>er, s\u00e5s<span class=\"__14 _1058\"/>om kunder<span class=\"__14 _b_13\"/>,<span class=\"__14 _1ce\"> </span> partners, ber\u00f6rda samh\u00e4llsgrupper liksom v\u00e5ra egna medar-<span class=\"__14 _1ce\"> </span>betare, har r\u00e4<span class=\"__14 _b_13\"/>tt att s\u00e4ga ifr\u00e5n och alltid kan k\u00e4nna sig trygga i<span class=\"__14 _1ce\"> </span> att g\u00f6ra det om de miss<span class=\"__14 _b_13\"/>t\u00e4nker exempel<span class=\"__14 _b_13\"/>vis brott mot de<span class=\"__14 _1ce\"> </span> m\u00e4nskliga r\u00e4ttighet<span class=\"__14 _1058\"/>erna eller oegentligheter s\u00e5s<span class=\"__14 _1058\"/>om bedr\u00e4geri<span class=\"__14 _1ce\"> </span> eller ett i \u00f6vrigt bedr\u00e4gligt, o\u00e4rligt, olagligt eller oaktsamt<span class=\"__14 _1ce\"> </span> agerande i v\u00e5r v<span class=\"__14 _b_13\"/>erksamhet eller i v\u00e5ra produkt<span class=\"__14 _b_13\"/>er och tj\u00e4nster<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span> Det kan till ex<span class=\"__14 _b_13\"/>empel r\u00f6ra sig om n\u00e5got som s<span class=\"__14 _1058\"/>trider mot lagar<span class=\"__14 _1ce\"> </span> och regler eller mot Nor<span class=\"__14 _1058\"/>deas interna rik<span class=\"__14 _b_13\"/>tlinjer<span class=\"__14 _b_13\"/>, instruktioner<span class=\"__14 _1ce\"> </span> eller anvisningar<span class=\"__14 _b_13\"/>. Rapporteringen kan g\u00f6ras muntligen eller<span class=\"__14 _1ce\"> </span> skriftligen, och Nordea s\u00e4kerst\u00e4ller a<span class=\"__14 _b_13\"/>tt all rapportering hante-<span class=\"__14 _1ce\"> </span>ras strik<span class=\"__14 _b_13\"/>t kon\ufb01dentiell<span class=\"__14 _1058\"/>t. Rappor<span class=\"__14 _1072\"/>tering kan g\u00f6ras i alla l\u00e4nder<span class=\"__14 _1ce\"> </span> d\u00e4r Nordea har verksamhet. Det g\u00e5r ocks\u00e5 att rapportera<span class=\"__14 _1ce\"> </span> anonymt via den elek<span class=\"__14 _b_13\"/>troniska rapporteringskanalen Whis<span class=\"__14 _b_13\"/>tleB.<span class=\"__14 _1ce\"> </span> Den h\u00e4r kanalen hanter<span class=\"__14 _b_13\"/>as av en ext<span class=\"__14 _b_13\"/>ern par<span class=\"__14 _1072\"/>t, \u00e4r helt skild fr\u00e5n<span class=\"__14 _1ce\"> </span> Nordeas \u00f6vriga IT<span class=\"__14 _1c_10\"/>-system och sp\u00e5rar in<span class=\"__14 _b_13\"/>te IP-adresser eller<span class=\"__14 _1ce\"> </span> andra uppgifter som kan iden<span class=\"__14 _b_13\"/>ti\ufb01era den som skickar ett med-<span class=\"__14 _1ce\"> </span>delande. \u00c4renden s<span class=\"__14 _b_13\"/>om rappor<span class=\"__14 _1072\"/>teras via R<span class=\"__14 _b_13\"/>YC ing\u00e5r i uppf<span class=\"__14 _b_13\"/>\u00f6lj-<span class=\"__14 _1ce\"> </span>ningen av hur v<span class=\"__14 _b_13\"/>\u00e4l v\u00e5ra etiska riktlinjer eft<span class=\"__14 _1058\"/>erlevs. En samman-<span class=\"__14 _1ce\"> </span>fa<span class=\"__14 _1058\"/>ttning av vik<span class=\"__14 _b_13\"/>tiga trender och statis<span class=\"__14 _1058\"/>tik \u00f6ver \u00e4renden skick<span class=\"__14 _1058\"/>as<span class=\"__14 _1ce\"> </span> avpersoni\ufb01er<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">at till Chief Compliance Officer</span><span class=\"__14 _b_13\"/>, Chief People<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">Officer och Chief Risk Officer</span><span class=\"__14 _1c_10\"/>, och ing\u00e5r dessutom i lednings-<span class=\"__14 _1ce\"> </span>rapporter och rapporter till styr<span class=\"__14 _1058\"/>elsen.<span class=\"__14 _1ce\"> </span>Nordea omf<span class=\"__14 _b_13\"/>attas av olika lagar och r<span class=\"__14 _b_13\"/>egler, bland anna<span class=\"__14 _b_13\"/>t fr\u00e5n<span class=\"__14 _1ce\"> </span> Norden, EU och USA. De tillsynsmyndigheter och st<span class=\"__14 _b_13\"/>atliga<span class=\"__14 _1ce\"> </span> myndigheter som \u00f6<span class=\"__14 _1058\"/>vervakar att dessa lagar och r<span class=\"__14 _b_13\"/>egler efter-<span class=\"__14 _1ce\"> </span>levs st\u00e4ller r<span class=\"__14 _1058\"/>egelbundet fr\u00e5gor kring och genom<span class=\"__14 _b_13\"/>f\u00f6r utred-<span class=\"__14 _1ce\"> </span>ningar av Nor<span class=\"__14 _b_13\"/>deas regelefterlevnad. <span class=\"__14 _b_13\"/>Till de omr\u00e5den som kan<span class=\"__14 _1ce\"> </span> omf<span class=\"__14 _b_13\"/>attas av s\u00e5dana utredningar h\u00f6r bland anna<span class=\"__14 _b_13\"/>t placerings-<span class=\"__14 _1ce\"> </span>r\u00e5dgivning, bek\u00e4mpning a<span class=\"__14 _b_13\"/>v penningtv\u00e4tt, handel och sank-<span class=\"__14 _1ce\"> </span>tionsbevakning, ska<span class=\"__14 _1058\"/>tt, konkurrens samt s<span class=\"__14 _b_13\"/>tyrning och kontroll.<span class=\"__14 _1ce\"> </span> Resulta<span class=\"__14 _b_13\"/>tet av dessa fr<span class=\"__14 _b_13\"/>\u00e5gor och utredningar har \u00e4nnu inte<span class=\"__14 _1ce\"> </span> meddelats och tidpunk<span class=\"__14 _1058\"/>ten \u00e4r oklar<span class=\"__14 _b_13\"/>. Det kan d\u00e4rmed inte ut<span class=\"__14 _1058\"/>e-<span class=\"__14 _1ce\"> </span>slutas att dessa f<span class=\"__14 _b_13\"/>r\u00e5gor och utredningar leder till kritik mot<span class=\"__14 _1ce\"> </span> Nordea, f<span class=\"__14 _1058\"/>\u00f6rlorat anseende, b\u00f6<span class=\"__14 _b_13\"/>ter<span class=\"__14 _b_13\"/>, sanktioner<span class=\"__14 _b_13\"/>, tvister och/<span class=\"__14 _b_13\"/>eller<span class=\"__14 _1ce\"> </span> st\u00e4mningar<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>Inom ramen f<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">\u00f6r den normala aff\u00e4rsverksamheten \u00e4r<span class=\"__14 _1ce\"> </span></span> Nordea f<span class=\"__14 _1058\"/>\u00f6rem\u00e5l f<span class=\"__14 _1058\"/>\u00f6r ett antal kr<span class=\"__14 _b_13\"/>av som avs<span class=\"__14 _1058\"/>er bank- och in<span class=\"__14 _1058\"/>ves-<span class=\"__14 _1ce\"> </span>teringstj\u00e4nst<span class=\"__14 _b_13\"/>er samt andra tj\u00e4nster<span class=\"__14 _1c_10\"/>. Vissa av dessa kra<span class=\"__14 _b_13\"/>v har<span class=\"__14 _1ce\"> </span> lett till eller kan leda till tvister och/<span class=\"__14 _b_13\"/>eller st\u00e4mningar<span class=\"__14 _b_13\"/>. De flesta<span class=\"__14 _1ce\"> </span> kra<span class=\"__14 _b_13\"/>v h\u00e4nf\u00f6r sig till l\u00e5n och insol<span class=\"__14 _1058\"/>vens, olika inv<span class=\"__14 _1058\"/>esterings<span class=\"__14 _b_13\"/>tj\u00e4nster<span class=\"__14 _b_13\"/>,<span class=\"__14 _1ce\"> </span> dep\u00e5tj\u00e4nster (sub-custody) och k<span class=\"__14 _1058\"/>\u00e4llskatt. Inget av de p\u00e5g\u00e5<span class=\"__14 _1058\"/>-<span class=\"__14 _1ce\"> </span>ende kra<span class=\"__14 _b_13\"/>ven bed\u00f6ms medf\u00f6ra n\u00e5gon v<span class=\"__14 _1058\"/>\u00e4sentlig nega<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">tiv effekt<span class=\"__14 _1ce\"> </span></span> p\u00e5 Nordea eller dess \ufb01nansiella st\u00e4llning.<span class=\"__14 _1ce\"> </span>Mer inf<span class=\"__14 _b_13\"/>ormation om viktiga processer f<span class=\"__14 _b_13\"/>\u00f6r hantering och<span class=\"__14 _1ce\"> </span> kontr<span class=\"__14 _b_13\"/>oll av regelefterlevnadsrisk<span class=\"__14 _1058\"/>er \ufb01nns i avsnitt<span class=\"__14 _1058\"/>et Operatio-<span class=\"__14 _1ce\"> </span>nal and Compliance Risk i Nordeas kapital<span class=\"__14 _b_13\"/>- och riskhante-<span class=\"__14 _1ce\"> </span>ringsrapport f\u00f6r 2022 (<span class=\"__14 _b_13\"/>Capital and Risk Management Report<span class=\"__14 _1ce\"> </span> 2021) som publiceras i enlighet med kapit<span class=\"__14 _1058\"/>alt\u00e4ckningsf<span class=\"__14 _b_13\"/>\u00f6rord-<span class=\"__14 _1ce\"> </span>ningen (CRR).<span class=\"__14 _1ce\"> </span>6.<span class=\"__14 _b_13\"/>1 Bek\u00e4mpning a<span class=\"__14 _b_13\"/>v ekobrott<span class=\"__14 _1ce\"> </span>Nordea tar sitt ansvar gen<span class=\"__14 _b_13\"/>temot samh\u00e4lle och kunder p\u00e5 stort<span class=\"__14 _1ce\"> </span> allvar och har under \u00e5r<span class=\"__14 _b_13\"/>en byggt upp ett starkt f<span class=\"__14 _b_13\"/>\u00f6rsvar som ska<span class=\"__14 _1ce\"> </span> f\u00f6rhindr<span class=\"__14 _b_13\"/>a att bankens produkter<span class=\"__14 _1c_10\"/>, tj\u00e4nster och system utnyttjas<span class=\"__14 _1ce\"> </span> f\u00f6r olagliga syften.<span class=\"__14 _1ce\"> </span>Nordea hant<span class=\"__14 _b_13\"/>erar och \u00f6vervakar \u00e5rligen flera miljarder<span class=\"__14 _1ce\"> </span> transak<span class=\"__14 _1058\"/>tioner fr\u00e5n en br<span class=\"__14 _1058\"/>ed kundbas. Nordea f<span class=\"__14 _b_13\"/>or<span class=\"__14 _1072\"/>tsatte under<span class=\"__14 _1ce\"> </span> 2022 att f<span class=\"__14 _b_13\"/>\u00f6rb\u00e4ttra sin f\u00f6rm\u00e5ga att bek<span class=\"__14 _1058\"/>\u00e4mpa ekobrott inom<span class=\"__14 _1ce\"> </span> omr\u00e5den s\u00e5som kundk<span class=\"__14 _1058\"/>\u00e4nnedom, transak<span class=\"__14 _1058\"/>tions\u00f6vervakning<span class=\"__14 _1ce\"> </span> och ekonomiska sank<span class=\"__14 _1058\"/>tioner<span class=\"__14 _b_13\"/>. Nordeas n\u00e4ra samarbete med<span class=\"__14 _1ce\"> </span> myndigheterna f<span class=\"__14 _b_13\"/>or<span class=\"__14 _1072\"/>tsatte under 2022, med f<span class=\"__14 _b_13\"/>or<span class=\"__14 _1072\"/>tl\u00f6pande kon-<span class=\"__14 _1ce\"> </span>takt<span class=\"__14 _1058\"/>er i alla de fyra nordiska l\u00e4nderna om olika aspek<span class=\"__14 _b_13\"/>ter av<span class=\"__14 _1ce\"> </span> Nordeas f<span class=\"__14 _1058\"/>\u00f6rebyggande arbet<span class=\"__14 _b_13\"/>e p\u00e5 omr\u00e5det<span class=\"__14 _1072\"/>.<span class=\"__14 _1ce\"> </span>Efter Rysslands in<span class=\"__14 _b_13\"/>vasion av Ukraina har ett an<span class=\"__14 _b_13\"/>tal l\u00e4nder<span class=\"__14 _1ce\"> </span> och interna<span class=\"__14 _b_13\"/>tionella organ inf\u00f6rt sanktioner<span class=\"__14 _1c_10\"/>. Nordea f\u00f6ljer de<span class=\"__14 _1ce\"> </span> sanktioner som in<span class=\"__14 _b_13\"/>f\u00f6rts av EU<span class=\"__14 _1058\"/>, USA, FN och Storbritannien.<span class=\"__14 _1ce\"> </span> Sanktionerna innef<span class=\"__14 _b_13\"/>attar f\u00f6r n\u00e4rvarande f<span class=\"__14 _b_13\"/>r<span class=\"__14 _1072\"/>ysta tillg\u00e5ngar<span class=\"__14 _b_13\"/>, res-<span class=\"__14 _1ce\"> </span>triktioner g\u00e4llande ekonomisk<span class=\"__14 _1058\"/>a f\u00f6rbindelser med vissa r<span class=\"__14 _b_13\"/>egio<span class=\"__14 _1072\"/>-<span class=\"__14 _1ce\"> </span>ner i Ukraina, res<span class=\"__14 _b_13\"/>triktioner f\u00f6r energi- och \ufb01nanssek<span class=\"__14 _b_13\"/>torerna,<span class=\"__14 _1ce\"> </span> import- och exportrestrik<span class=\"__14 _b_13\"/>tioner samt flygf<span class=\"__14 _b_13\"/>\u00f6rbudszoner<span class=\"__14 _1058\"/>. Som<span class=\"__14 _1ce\"> </span> en f\u00f6ljd a<span class=\"__14 _b_13\"/>v g\u00e4llande sanktionsordning och de alltmer om<span class=\"__14 _b_13\"/>fat-<span class=\"__14 _1ce\"> </span>tande och komple<span class=\"__14 _b_13\"/>xa sanktionerna har Nordea beslutat a<span class=\"__14 _b_13\"/>tt<span class=\"__14 _1ce\"> </span> inte bedriv<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">a n\u00e5gon aff\u00e4rsverksamhet relat</span><span class=\"__14 _1058\"/>erad till regionerna<span class=\"__14 _1ce\"> </span> Donetsk, Luhansk, Zaporizjzja och Cherson i Ukraina. En lik-<span class=\"__14 _1ce\"> </span>nande policy fanns redan i f<span class=\"__14 _b_13\"/>r\u00e5ga om Krim och Sevastopol.<span class=\"__14 _1ce\"> </span> Som en f\u00f6ljd a<span class=\"__14 _b_13\"/>v de g\u00e4llande sanktionerna och restrik<span class=\"__14 _b_13\"/>tionerna,<span class=\"__14 _1ce\"> </span> har Nordea ocks\u00e5 stoppa<span class=\"__14 _b_13\"/>t den automatiska hanteringen a<span class=\"__14 _b_13\"/>v<span class=\"__14 _1ce\"> </span> betalningar till och fr\u00e5n R<span class=\"__14 _b_13\"/>yssland och Belarus.<span class=\"__14 _1ce\"> </span>I juni 2015 genomf<span class=\"__14 _b_13\"/>\u00f6rde danska \ufb01nansinspektionen en<span class=\"__14 _1ce\"> </span> utredning a<span class=\"__14 _b_13\"/>v hur Nordea Bank Danmark A/S f\u00f6ljt r<span class=\"__14 _1058\"/>eglerna f\u00f6r<span class=\"__14 _1ce\"> </span> bek\u00e4mpning av penningtv<span class=\"__14 _b_13\"/>\u00e4tt<span class=\"__14 _1072\"/>. Slutrapporten resul<span class=\"__14 _1058\"/>terade i kri-<span class=\"__14 _1ce\"> </span>tik och i enlighet med dansk administra<span class=\"__14 _b_13\"/>tiv praxis \u00f6verl\u00e4mna-<span class=\"__14 _1ce\"> </span>des \u00e4rendet till polisen f<span class=\"__14 _b_13\"/>\u00f6r ytterligare utredning och even<span class=\"__14 _b_13\"/>tu-<span class=\"__14 _1ce\"> </span>ella sanktioner<span class=\"__14 _1c_10\"/>. Som tidigare meddelats r\u00e4knar Nordea med<span class=\"__14 _1ce\"> </span> b\u00f6ter i Danmark f<span class=\"__14 _b_13\"/>\u00f6r tidigare svaga processer och rutiner f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1ce\"> </span> bek\u00e4mpning av penningtv<span class=\"__14 _b_13\"/>\u00e4tt<span class=\"__14 _1072\"/>, och en avs\u00e4<span class=\"__14 _b_13\"/>ttning har gjor<span class=\"__14 _1072\"/>ts f\u00f6r<span class=\"__14 _1ce\"> </span> p\u00e5g\u00e5ende penningtv\u00e4tts\u00e4r<span class=\"__14 _1058\"/>enden.<span class=\"__14 _1ce\"> </span>Det \ufb01nns en risk att even<span class=\"__14 _b_13\"/>tuella myndighetsb\u00f6ter kan bli<span class=\"__14 _1ce\"> </span> h\u00f6gre (eller l\u00e4gr<span class=\"__14 _1058\"/>e) \u00e4n den ak<span class=\"__14 _1058\"/>tuella avs\u00e4<span class=\"__14 _b_13\"/>ttningen och detta<span class=\"__14 _1ce\"> </span> kan ocks\u00e5 p\u00e5v<span class=\"__14 _b_13\"/>erka Nordeas \ufb01nansiella resultat. Vissa av<span class=\"__14 _1ce\"> </span> dessa utredningar skulle ocks\u00e5 k<span class=\"__14 _b_13\"/>unna leda till st\u00e4mningar<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span> Givet denna os\u00e4kerhet h\u00e5ller Nordea f<span class=\"__14 _b_13\"/>ast vid en tillr\u00e4cklig<span class=\"__14 _1ce\"> </span> avs\u00e4<span class=\"__14 _b_13\"/>ttningsniv\u00e5 f\u00f6r p\u00e5g\u00e5ende penningtv\u00e4<span class=\"__14 _1058\"/>ttsrelater<span class=\"__14 _b_13\"/>ade<span class=\"__14 _1ce\"> </span>  <span class=\"__14 _d_13\"/>\u00e4renden samtidigt som Nordea f<span class=\"__14 _b_13\"/>or<span class=\"__14 _1072\"/>ts\u00e4tter sin dialog med<span class=\"__14 _1ce\"> </span> danska myndigheter kring tidigare sv<span class=\"__14 _b_13\"/>agheter i arbetet<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">mot penningtv\u00e4</span><span class=\"__14 _b_13\"/>tt<span class=\"__14 _1072\"/>.<span class=\"__14 _1ce\"> </span> Nordea har gjort betydande inves<span class=\"__14 _b_13\"/>teringar f\u00f6r att \u00e5t<span class=\"__14 _b_13\"/>g\u00e4rda<span class=\"__14 _1ce\"> </span> de brister som f<span class=\"__14 _1058\"/>ramkommit vid utr<span class=\"__14 _1058\"/>edningarna.<span class=\"__14 _1ce\"> </span>229<span class=\"__14 _1ce\"> </span>NORDEA \u00c5RSREDOVISNING 2022<span class=\"__14 _1ce\"> </span>Inledning<span class=\"__14 _1057\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _1058\"/>\u00e4rsomr\u00e5den<span class=\"__14 _1059\"/><span class=\"ws0_14\">V<span class=\"__14 _b_13\"/>\u00e5ra intressent<span class=\"__14 _b_13\"/>er<span class=\"__14 _1e_10\"> </span><span class=\"ff1_14\">Finansiella rapporter<span class=\"__14 _1061\"/><span class=\"ff2_14 ws2_13\">F\u00f6rvaltningsber<span class=\"__14 _1058\"/>\u00e4ttelse<span class=\"__14 _1062\"> </span>H\u00e5llbarhetsnoter<span class=\"__14 _1063\"> </span>\u00d6vrigt<span class=\"__14 _1064\"/><span class=\"ws0_14\">Strategisk r<span class=\"__14 _1058\"/>apport<span class=\"__14 _1ce\"> </span></span></span></span></span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.<span class=\"__14 _1ce\"> </span>7<span class=\"__14 _b_13\"/>. Livf\u00f6rs\u00e4kringsrisk och marknadsrisk inom Life &amp; P<span class=\"__14 _b_13\"/>ension<span class=\"__14 _1ce\"> </span>Nordea Lif<span class=\"__14 _1058\"/>e &amp; Pension har ett brett utbud a<span class=\"__14 _b_13\"/>v liv- och sjukf\u00f6r-<span class=\"__14 _1ce\"> </span>s\u00e4kringsprodukt<span class=\"__14 _b_13\"/>er, f<span class=\"__14 _b_13\"/>r\u00e5n kapitalf\u00f6rs\u00e4kringar med en l\u00f6ptid p\u00e5 n\u00e5gra f<span class=\"__14 _1058\"/>\u00e5 \u00e5r till mycket l\u00e5ngf<span class=\"__14 _b_13\"/>ristiga pensionssparavt<span class=\"__14 _1058\"/>al d\u00e4r l\u00f6p-<span class=\"__14 _1ce\"> </span>tiden kan vara l\u00e4ngr<span class=\"__14 _b_13\"/>e \u00e4n 40 \u00e5r. Marknadsr<span class=\"__14 _b_13\"/>\u00e4ntebaserade pro-<span class=\"__14 _1ce\"> </span>dukter (f<span class=\"__14 _b_13\"/>ondf\u00f6rs\u00e4kringar) \u00e4r absolut vanligas<span class=\"__14 _b_13\"/>t i verksamhe-<span class=\"__14 _1ce\"> </span>ten. <span class=\"__14 _b_13\"/>T<span class=\"__14 _b_13\"/>raditionella produk<span class=\"__14 _b_13\"/>ter (sparandef\u00f6rs\u00e4kringar och livf\u00f6r-<span class=\"__14 _1ce\"> </span>s\u00e4kringar) och sjukf\u00f6rs\u00e4kringar utg\u00f6r endas<span class=\"__14 _1058\"/>t en mindre del.<span class=\"__14 _1ce\"> </span>Life &amp; P<span class=\"__14 _b_13\"/>ensions huvudsakliga risker \u00e4r marknadsrisk och liv- och sjukf\u00f6rs\u00e4kringsrisk.<span class=\"__14 _1ce\"> </span>I Life &amp; P<span class=\"__14 _b_13\"/>ension h\u00e4rr\u00f6r marknadsrisken huvudsakligen fr\u00e5n k\u00e4nsligheten f<span class=\"__14 _1058\"/>\u00f6r v\u00e4rdef<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar i tillg\u00e5ngar och skulder till f\u00f6ljd a<span class=\"__14 _b_13\"/>v f\u00f6r\u00e4ndringar i niv<span class=\"__14 _1058\"/>\u00e5n p\u00e5 eller sv\u00e4ngningarna i mark<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>nadskurser eller r\u00e4n<span class=\"__14 _b_13\"/>tor<span class=\"__14 _b_13\"/>. Bland marknadsriskerna \u00e4r r\u00e4nte-, aktie- och kreditspr<span class=\"__14 _b_13\"/>eadrisken de mest relevan<span class=\"__14 _b_13\"/>ta. Life &amp; Pen-<span class=\"__14 _1ce\"> </span>sion betrak<span class=\"__14 _1058\"/>tar ocks\u00e5 h\u00e5llbarhetsrisk som en fr<span class=\"__14 _1058\"/>amv\u00e4xande risk som fram<span class=\"__14 _b_13\"/>f\u00f6r allt kommer att p\u00e5<span class=\"__14 _b_13\"/>verka marknadsrisken, det vill s\u00e4ga genom f\u00f6r<span class=\"__14 _b_13\"/>\u00e4ndringar i innehavens marknadsv\u00e4rde.<span class=\"__14 _1ce\"> </span>Marknadsrisk m\u00e4ts och kon<span class=\"__14 _b_13\"/>trolleras genom att ber\u00e4kna exponeringen och f<span class=\"__14 _b_13\"/>astst\u00e4lla l\u00e4mpliga limiter<span class=\"__14 _b_13\"/>. Dessutom genomf<span class=\"__14 _b_13\"/>\u00f6r Life &amp; Pension regelbundna s<span class=\"__14 _b_13\"/>tresstester och mak<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>roekonomiska sc<span class=\"__14 _1058\"/>enarioanalyser f<span class=\"__14 _b_13\"/>\u00f6r att bed\u00f6ma det framtida kapitaliseringsbehov<span class=\"__14 _1058\"/>et. Resultaten f<span class=\"__14 _b_13\"/>r\u00e5n stresste<span class=\"__14 _1058\"/>sterna och scenarioanalyserna k<span class=\"__14 _b_13\"/>ontrolleras mot de limit<span class=\"__14 _b_13\"/>er som angetts i de interna rik<span class=\"__14 _b_13\"/>tlinjerna. Marknadsrisken begr\u00e4nsas med hj\u00e4lp a<span class=\"__14 _b_13\"/>v strategier f<span class=\"__14 _b_13\"/>\u00f6r risk-<span class=\"__14 _1ce\"> </span>s\u00e4kring och tillg\u00e5ngsf\u00f6r<span class=\"__14 _1058\"/>delning.<span class=\"__14 _1ce\"> </span>Liv- och sjukf\u00f6rs\u00e4kringsrisk \u00e4r risken f<span class=\"__14 _b_13\"/>\u00f6r ov\u00e4ntade f<span class=\"__14 _b_13\"/>\u00f6rluster till f\u00f6ljd a<span class=\"__14 _b_13\"/>v f\u00f6r\u00e4ndringar i niv<span class=\"__14 _1058\"/>\u00e5n, trenden eller sv\u00e4ngningarna f\u00f6r mortalitet, f\u00f6rv\u00e4n<span class=\"__14 _b_13\"/>tad livsl\u00e4ngd, invaliditet samt \u00e5<span class=\"__14 _b_13\"/>terk\u00f6ps-/<span class=\"__14 _1ce\"> </span>annullationstal. Riskerna m\u00e4<span class=\"__14 _b_13\"/>ts och kontrolleras genom a<span class=\"__14 _1058\"/>tt ber\u00e4kna kapitalkr<span class=\"__14 _1058\"/>av<span class=\"__14 _b_13\"/>en enligt Solvens II. F\u00f6r a<span class=\"__14 _1058\"/>tt bed\u00f6ma verk<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>samhetens f\u00f6rm\u00e5ga a<span class=\"__14 _b_13\"/>tt st\u00e5 emot pl\u00f6tsliga f<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar i annullationstalen genom<span class=\"__14 _b_13\"/>f\u00f6rs regelbundna k\u00e4nslighetstes<span class=\"__14 _b_13\"/>ter f\u00f6r Lif<span class=\"__14 _b_13\"/>e &amp; Pension-koncernen och f<span class=\"__14 _b_13\"/>\u00f6r bolagen i respektive land. Liv- och sjukf\u00f6rs\u00e4kringsrisken begr<span class=\"__14 _b_13\"/>\u00e4nsas huvudsakligen med hj\u00e4lp av ak<span class=\"__14 _b_13\"/>tuariemetoder<span class=\"__14 _b_13\"/>, det vill s\u00e4ga genom priss\u00e4tt-<span class=\"__14 _1ce\"> </span>ning, kundurvalsregler<span class=\"__14 _1c_10\"/>, \u00e5terf\u00f6rs\u00e4kring, stress<span class=\"__14 _1058\"/>tester sam<span class=\"__14 _b_13\"/>t till-<span class=\"__14 _1ce\"> </span>r\u00e4ckliga riskreserveringar<span class=\"__14 _1c_10\"/>.<span class=\"__14 _1ce\"> </span>genomsnitt \u00f6ver tid och f<span class=\"__14 _b_13\"/>\u00f6r viktat nominellt belopp<span class=\"__14 _b_13\"/>) och h\u00f6jde Nordeas r\u00e4n<span class=\"__14 _b_13\"/>tekostnad med 12 mn euro. Den nega<span class=\"__14 _b_13\"/>tiva r\u00e4n<span class=\"__14 _1058\"/>tan under de f\u00f6rst<span class=\"__14 _1058\"/>a tre kvartalen var -0,48 proc<span class=\"__14 _b_13\"/>ent<span class=\"__14 _1072\"/>, vilket h\u00f6jde Nordeas r\u00e4n<span class=\"__14 _b_13\"/>teint\u00e4kt<span class=\"__14 _b_13\"/>er med 4<span class=\"__14 _1072\"/>3 mn euro, e<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">xklusive eff</span><span class=\"__14 _b_13\"/>ek-<span class=\"__14 _1ce\"> </span>ten a<span class=\"__14 _1058\"/>v att gr\u00e4nsv<span class=\"__14 _b_13\"/>\u00e4rdet f\u00f6r utl\u00e5ning uppn\u00e5ddes vid utg\u00e5ngen av 2021. 61 mn eur<span class=\"__14 _b_13\"/>o frigjordes n\u00e4r Nordea med tillr\u00e4cklig s\u00e4kerhet kunde f<span class=\"__14 _b_13\"/>astst\u00e4lla att gr\u00e4nsv<span class=\"__14 _b_13\"/>\u00e4rdet f\u00f6r utl\u00e5ning 2021 hade uppn\u00e5tts. Nordea jus<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">terade d\u00e4rmed den eff</span><span class=\"__14 _b_13\"/>ektiva r\u00e4n<span class=\"__14 _b_13\"/>tan och till\u00e4mpade retroak<span class=\"__14 _b_13\"/>tivt den ytterligare rabatten p\u00e5 0,5 pr<span class=\"__14 _1058\"/>o-<span class=\"__14 _1ce\"> </span>cent p\u00e5 den r<span class=\"__14 _b_13\"/>\u00e4nta som betalats sedan 2<span class=\"__14 _b_13\"/>4 juni 2021. F\u00f6r hel\u00e5ret 2022 var r\u00e4n<span class=\"__14 _b_13\"/>tekostnaden negativ och h\u00f6jde Nordeas r<span class=\"__14 _b_13\"/>\u00e4nte-<span class=\"__14 _1ce\"> </span>netto med 92 mn euro.<span class=\"__14 _1ce\"> </span>8.<span class=\"__14 _b_13\"/>1 De\ufb01nition och identi\ufb01ering a<span class=\"__14 _b_13\"/>v likviditetsrisk<span class=\"__14 _1ce\"> </span>Likviditetsrisk \u00e4r risken att Nor<span class=\"__14 _b_13\"/>dea inte kan fullg\u00f6ra sina kas-<span class=\"__14 _1ce\"> </span>safl\u00f6des\u00e5taganden vid f<span class=\"__14 _b_13\"/>\u00f6rfall, eller inte kan fullg\u00f6r<span class=\"__14 _b_13\"/>a dem utan att betala ett oh\u00e5llbart h\u00f6gt pris eller ytterligare \ufb01nansie-<span class=\"__14 _1ce\"> </span>ringskostnader<span class=\"__14 _1c_10\"/>. Nordea \u00e4r exponerad f<span class=\"__14 _b_13\"/>\u00f6r likviditetsrisk inom utl\u00e5ning, placeringar<span class=\"__14 _b_13\"/>, uppl\u00e5ning, \u00e5taganden utan<span class=\"__14 _1058\"/>f\u00f6r balans-<span class=\"__14 _1ce\"> </span>r\u00e4kningen och annan verksamhet som ger undersko<span class=\"__14 _b_13\"/>tt i kas-<span class=\"__14 _1ce\"> </span>safl\u00f6det. Underskott i kassafl\u00f6det kan uppst<span class=\"__14 _1058\"/>\u00e5 vid dagens slut eller under dagen.<span class=\"__14 _1ce\"> </span>8.2 Ledningsprinciper och kontroll<span class=\"__14 _1ce\"> </span>Likviditetsrisk i Nordea han<span class=\"__14 _b_13\"/>teras utifr\u00e5n tre f<span class=\"__14 _b_13\"/>\u00f6rsvarslinjer: \u2022 <span class=\"__14 _1f_10\"> </span>F\u00f6rst<span class=\"__14 _1058\"/>a f\u00f6rsvarslinjen utg\u00f6rs a<span class=\"__14 _b_13\"/>v Group T<span class=\"__14 _9f_6\"/>reasur<span class=\"__14 _1072\"/><span class=\"__14 _1ce\">y och aff\u00e4r-<span class=\"__14 _1ce\"> </span></span>somr\u00e5dena. Group <span class=\"__14 _b_13\"/>T<span class=\"__14 _1c_10\"/>reasury ansvarar f\u00f6r den dagliga han-<span class=\"__14 _1ce\"> </span>teringen a<span class=\"__14 _1058\"/>v koncernens likviditetspositioner<span class=\"__14 _1c_10\"/>, likviditets-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">buffertar</span><span class=\"__14 _b_13\"/>, ext<span class=\"__14 _b_13\"/>ern och intern \ufb01nansiering, med bland annat f\u00f6rflyttning a<span class=\"__14 _b_13\"/>v kontan<span class=\"__14 _b_13\"/>ta medel inom koncernen, samt internpriss\u00e4<span class=\"__14 _b_13\"/>ttning.<span class=\"__14 _1ce\"> </span>\u2022 <span class=\"__14 _1f_10\"> </span>Den andra f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>svarslinjen, Group Risk, ansvarar f<span class=\"__14 _b_13\"/>\u00f6r en oberoende kon<span class=\"__14 _b_13\"/>troll och pr\u00f6vning av den f<span class=\"__14 _b_13\"/>\u00f6rsta f\u00f6rsvarslinjen.<span class=\"__14 _1ce\"> </span>\u2022 <span class=\"__14 _1f_10\"> </span>Den tredje f<span class=\"__14 _1058\"/>\u00f6rsvarslinjen utg\u00f6rs av Group In<span class=\"__14 _b_13\"/>ternal Audit, som har ett oberoende kon<span class=\"__14 _b_13\"/>trollansvar f\u00f6r f<span class=\"__14 _b_13\"/>\u00f6rsta och andra f\u00f6rsvarslinjen.<span class=\"__14 _1ce\"> </span>Styrelsen de\ufb01nierar risk<span class=\"__14 _b_13\"/>toleransen p\u00e5 likviditetsomr<span class=\"__14 _1058\"/>\u00e5det genom att f<span class=\"__14 _1058\"/>astst\u00e4lla gr<span class=\"__14 _b_13\"/>\u00e4nsv\u00e4rden f\u00f6r olika likvidit<span class=\"__14 _1058\"/>etsm\u00e5tt. Det viktigas<span class=\"__14 _1058\"/>te m\u00e5ttet \u00e4r likvidit<span class=\"__14 _1058\"/>etshorisont<span class=\"__14 _1058\"/>en under stress, som anger risktoler<span class=\"__14 _b_13\"/>ansen genom att fasts<span class=\"__14 _b_13\"/>t\u00e4lla en \u00f6verlevnadspe-<span class=\"__14 _1ce\"> </span>riod p\u00e5 minst 90 dagar under Nordeaspeci\ufb01ka och marknads-<span class=\"__14 _1ce\"> </span>omf<span class=\"__14 _b_13\"/>attande stresscenarier<span class=\"__14 _1c_10\"/>, och med de\ufb01nierade riskbegr\u00e4n-<span class=\"__14 _1ce\"> </span>sande \u00e5tg\u00e4rder<span class=\"__14 _1c_10\"/>.<span class=\"__14 _1ce\"> </span>Nordea har ram<span class=\"__14 _1058\"/>verk med limiter och kon<span class=\"__14 _b_13\"/>trollm\u00e5tt f\u00f6r a<span class=\"__14 _b_13\"/>tt s\u00e4kerst\u00e4lla att bank<span class=\"__14 _b_13\"/>en h\u00e5ller sig inom olika riskparametrar<span class=\"__14 _b_13\"/>, bland annat risk<span class=\"__14 _1058\"/>toleransen.<span class=\"__14 _1ce\"> </span>Det \ufb01nns ocks\u00e5 ett system f<span class=\"__14 _b_13\"/>\u00f6r internpriss\u00e4ttning som tar h\u00e4nsyn till att likviditet \u00e4r en knapp och dyrbar re<span class=\"__14 _1058\"/>surs. Likvidi-<span class=\"__14 _1ce\"> </span>teten och \ufb01nansieringskos<span class=\"__14 _b_13\"/>tnaderna (och f\u00f6rdelarna) kvan<span class=\"__14 _b_13\"/>ti\ufb01-<span class=\"__14 _1ce\"> </span>eras och alloker<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">as till respektive aff</span><span class=\"__14 _b_13\"/>\u00e4rsomr\u00e5de p\u00e5 ett s\u00e4tt som fr\u00e4mjar k<span class=\"__14 _1058\"/>orrekt ager<span class=\"__14 _b_13\"/>ande och korrekta s<span class=\"__14 _1058\"/>trat<span class=\"__14 _1058\"/>egiska beslut.<span class=\"__14 _1ce\"> </span>8.3 Strategi f<span class=\"__14 _b_13\"/>\u00f6r hantering a<span class=\"__14 _b_13\"/>v likviditetsrisk<span class=\"__14 _1ce\"> </span>Nordeas str<span class=\"__14 _1058\"/>ategi f<span class=\"__14 _b_13\"/>\u00f6r likviditetsriskhantering by<span class=\"__14 _1058\"/>gger p\u00e5 risk-<span class=\"__14 _1ce\"> </span>principer som i sin tur result<span class=\"__14 _1058\"/>erar i olika \u00e5t<span class=\"__14 _b_13\"/>g\u00e4rder<span class=\"__14 _1058\"/>, limiter och rutiner f\u00f6r likviditetsrisk.<span class=\"__14 _1ce\"> </span>Hanteringen a<span class=\"__14 _b_13\"/>v likviditetsrisk ska s\u00e4kerst\u00e4lla att Nor<span class=\"__14 _b_13\"/>dea alltid kan fullg\u00f6r<span class=\"__14 _b_13\"/>a sina kassafl\u00f6des\u00e5taganden, \u00e4v<span class=\"__14 _b_13\"/>en p\u00e5 intra-<span class=\"__14 _1ce\"> </span>dagsbasis, i alla konjunkturl\u00e4gen och under perioder a<span class=\"__14 _b_13\"/>v stress. Nor<span class=\"__14 _1058\"/>dea str\u00e4<span class=\"__14 _b_13\"/>var efter diversi\ufb01erad \ufb01nansiering och f<span class=\"__14 _b_13\"/>\u00f6r-<span class=\"__14 _1ce\"> </span>s\u00f6ker by<span class=\"__14 _1058\"/>gga upp och underh\u00e5lla relationer med in<span class=\"__14 _1058\"/>vest<span class=\"__14 _1058\"/>erare f\u00f6r a<span class=\"__14 _b_13\"/>tt s\u00e4kerst\u00e4lla tillg\u00e5ng till marknaden. Nordeas breda och<span class=\"__14 _1ce\"> </span>8. Likviditetsrisk<span class=\"__14 _1ce\"> </span>Nordea f<span class=\"__14 _1058\"/>ortsatte under 2022 att dra n<span class=\"__14 _b_13\"/>ytta av sin v\u00e4l a<span class=\"__14 _b_13\"/>vv\u00e4gda hantering a<span class=\"__14 _b_13\"/>v likviditetsrisk, med en fortsatt diversi\ufb01erad och stark \ufb01nansieringsbas och en diversi\ufb01erad likvidit<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">etsbuffert</span><span class=\"__14 _1072\"/>. Nordea hade en stark likvidit<span class=\"__14 _1058\"/>etsposition under hela \u00e5ret.<span class=\"__14 _1ce\"> </span>Under 2022 emitterade Nordea cirk<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">a 32,8 md euro i l\u00e5ng-<span class=\"__14 _1ce\"> </span></span>fristig sk<span class=\"__14 _1058\"/>uld, exklusiv<span class=\"__14 _b_13\"/>e danska s\u00e4kerst\u00e4llda obligationer<span class=\"__14 _b_13\"/>, vara<span class=\"__14 _b_13\"/>v <span class=\"__14 _1ce\">cirka 16,6 md euro i f</span><span class=\"__14 _b_13\"/>orm av s\u00e4kerst\u00e4llda obligationer och <span class=\"__14 _1ce\">16,2 md euro i form a</span><span class=\"__14 _b_13\"/>v seniora obligationer<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>Nordea uppfyllde under hela 2022 kra<span class=\"__14 _b_13\"/>ven g\u00e4llande likvidi-<span class=\"__14 _1ce\"> </span>tetst\u00e4ckningsgr<span class=\"__14 _b_13\"/>ad (LCR) i alla valutor tillsammans och den stabila netto\ufb01nansieringskv<span class=\"__14 _b_13\"/>oten (NSFR). Under 2021 tog Nordea del a<span class=\"__14 _b_13\"/>v olika centralbanksf<span class=\"__14 _b_13\"/>aciliteter p\u00e5 nationell niv\u00e5, bland anna<span class=\"__14 _b_13\"/>t ECB:s riktade l\u00e5ngf<span class=\"__14 _b_13\"/>ristiga re\ufb01-<span class=\"__14 _1ce\"> </span>nansieringsprogram (TL<span class=\"__14 _9f_6\"/>TRO-programmen). Vid utg\u00e5ngen a<span class=\"__14 _b_13\"/>v 2022 hade Nordea 10 md euro utes<span class=\"__14 _b_13\"/>t\u00e5ende inom TL<span class=\"__14 _9f_6\"/>TRO III-<span class=\"__14 _1ce\"> </span>programmet, efter en \u00e5terbet<span class=\"__14 _1058\"/>alning av 2 md eur<span class=\"__14 _b_13\"/>o under \u00e5ret<span class=\"__14 _1072\"/>.<span class=\"__14 _1ce\"> </span>Nordea redovisar <span class=\"__14 _b_13\"/>TL<span class=\"__14 _9f_6\"/>TRO<span class=\"__14 _1072\"/>-uppl\u00e5ningen som en \ufb01nansiell skuld med r\u00f6rlig r<span class=\"__14 _b_13\"/>\u00e4nta enligt IFRS 9. ECB:s vik<span class=\"__14 _b_13\"/>tade genom-<span class=\"__14 _1ce\"> </span>snittliga r\u00e4n<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ta blev positiv under fj\u00e4rde kv</span><span class=\"__14 _1058\"/>artalet och Nordea redovisade d\u00e4rmed en r<span class=\"__14 _1058\"/>\u00e4ntek<span class=\"__14 _b_13\"/>ostnad f\u00f6r sina <span class=\"__14 _b_13\"/>TL<span class=\"__14 _1c_10\"/>TRO III-l\u00e5n. Under de tre f<span class=\"__14 _1058\"/>\u00f6rsta kvartalen var samma r<span class=\"__14 _b_13\"/>\u00e4nta negativ<span class=\"__14 _b_13\"/>, vilket innebar att Nordea d\u00e5 redo<span class=\"__14 _b_13\"/>visade negativ r\u00e4ntek<span class=\"__14 _b_13\"/>ostnad. R\u00e4n-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">tesatsen under fj\u00e4r</span><span class=\"__14 _b_13\"/>de kvartalet var 0,4<span class=\"__14 _1072\"/>2 procen<span class=\"__14 _b_13\"/>t (viktat<span class=\"__14 _1ce\"> </span>diversi\ufb01erade \ufb01nansieringsbas speglar koncernens s<span class=\"__14 _b_13\"/>tarka<span class=\"__14 _1ce\"> </span>st\u00e4llning p\u00e5 de fyra hemmamarknaderna, med en s<span class=\"__14 _b_13\"/>tark och<span class=\"__14 _1ce\"> </span>stabil kundbas inom r<span class=\"__14 _b_13\"/>etail och en m\u00e4ngd olika \ufb01nansierings-<span class=\"__14 _1ce\"> </span>program. Finansieringspr<span class=\"__14 _1058\"/>ogrammen \u00e4r b\u00e5de kortfristiga<span class=\"__14 _1ce\"> </span>(amerikanska och europeiska f<span class=\"__14 _b_13\"/>\u00f6retagscerti\ufb01kat, och bankcer-<span class=\"__14 _1ce\"> </span>ti\ufb01kat) och l\u00e5ngfris<span class=\"__14 _b_13\"/>tiga (s\u00e4kerst\u00e4llda obligationer<span class=\"__14 _b_13\"/>, Eur<span class=\"__14 _b_13\"/>opean/<span class=\"__14 _1ce\"> </span>Global Medium <span class=\"__14 _b_13\"/>T<span class=\"__14 _1c_10\"/>erm Notes) och omf<span class=\"__14 _b_13\"/>attar flera olika valut<span class=\"__14 _b_13\"/>or.<span class=\"__14 _1ce\"> </span>F\u00f6rtroende \u00e4r grundl\u00e4ggande p\u00e5 uppl\u00e5ningsmarknaden,<span class=\"__14 _1ce\"> </span>och d\u00e4rf\u00f6r publicer<span class=\"__14 _1058\"/>ar Nordea f<span class=\"__14 _1058\"/>ortl\u00f6pande informa<span class=\"__14 _b_13\"/>tion om<span class=\"__14 _1ce\"> </span>koncernens likviditetssitua<span class=\"__14 _b_13\"/>tion. Vidare genomf\u00f6r Nordea<span class=\"__14 _1ce\"> </span>regelbundna stre<span class=\"__14 _1058\"/>sstes<span class=\"__14 _b_13\"/>ter p\u00e5 likviditetspositionen f\u00f6r att iden-<span class=\"__14 _1ce\"> </span>ti\ufb01era relev<span class=\"__14 _b_13\"/>anta riskfak<span class=\"__14 _b_13\"/>torer<span class=\"__14 _b_13\"/>. Det \ufb01nns ocks\u00e5 beredskapspla-<span class=\"__14 _1ce\"> </span>ner f\u00f6r han<span class=\"__14 _b_13\"/>tering av likviditetskriser<span class=\"__14 _1c_10\"/>.<span class=\"__14 _1ce\"> </span>8.4 M\u00e4tning av likvidit<span class=\"__14 _b_13\"/>etsrisk<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Nordea har en likviditetsbuff</span><span class=\"__14 _b_13\"/>er<span class=\"__14 _1072\"/>t f\u00f6r att s\u00e4k<span class=\"__14 _b_13\"/>er<span class=\"__14 _1072\"/>st\u00e4lla \ufb01nansiering<span class=\"__14 _1ce\"> </span>i situationer d\u00e4r koncernen \u00e4r i tvingande beho<span class=\"__14 _b_13\"/>v av kontan<span class=\"__14 _b_13\"/>ta<span class=\"__14 _1ce\"> </span>medel och de normala \ufb01nansieringsk\u00e4llorna inte r<span class=\"__14 _b_13\"/>\u00e4cker till.<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Likviditetsbufferten ut</span><span class=\"__14 _1058\"/>g\u00f6rs av h\u00f6glikvida v\u00e4r<span class=\"__14 _b_13\"/>depapper av god<span class=\"__14 _1ce\"> </span>kreditkvalitet s<span class=\"__14 _1058\"/>om centr<span class=\"__14 _b_13\"/>albankerna godtar som s\u00e4kerhet lik-<span class=\"__14 _1ce\"> </span>som av till<span class=\"__14 _1058\"/>godohav<span class=\"__14 _b_13\"/>anden hos centralbanker<span class=\"__14 _1c_10\"/>. Dessa tillg\u00e5ngar<span class=\"__14 _1ce\"> </span>kan snabbt s\u00e4ljas eller anv<span class=\"__14 _b_13\"/>\u00e4ndas som s\u00e4kerhet vid \ufb01nansie-<span class=\"__14 _1ce\"> </span>ring.<span class=\"__14 _1ce\"> </span>Riskhanteringen \u00e4r inrik<span class=\"__14 _b_13\"/>tad p\u00e5 b\u00e5de kortsiktig och struk<span class=\"__14 _b_13\"/>tu-<span class=\"__14 _1ce\"> </span>rell l\u00e5ngsiktig likvidit<span class=\"__14 _b_13\"/>etsrisk<span class=\"__14 _1072\"/>. Likviditetsrisken begr\u00e4nsas a<span class=\"__14 _b_13\"/>v<span class=\"__14 _1ce\"> </span>styrelsen med hj\u00e4lp a<span class=\"__14 _b_13\"/>v m\u00e5tt f\u00f6r in<span class=\"__14 _b_13\"/>tern likviditetst\u00e4ckning och<span class=\"__14 _1ce\"> </span>likviditetshorisont under s<span class=\"__14 _b_13\"/>tress som anger att likviditetsbuf<span class=\"__14 _1058\"/>-<span class=\"__14 _1ce\"> </span>ferten ska v<span class=\"__14 _1058\"/>ara tillr\u00e4cklig f<span class=\"__14 _b_13\"/>\u00f6r att t\u00e4cka stor<span class=\"__14 _1058\"/>a ackumulerade<span class=\"__14 _1ce\"> </span>utfl\u00f6den vid \ufb01nansiell stress under de f<span class=\"__14 _b_13\"/>\u00f6rsta nittio dagarna<span class=\"__14 _1ce\"> </span>om Nordea uts\u00e4tts f<span class=\"__14 _b_13\"/>\u00f6r en marknadsomfa<span class=\"__14 _1058\"/>ttande stress lik<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>nande den som m\u00e5nga banker genomgick 2007<span class=\"__14 _b_13\"/>\u20132008; och en<span class=\"__14 _1ce\"> </span>Nordeaspeci\ufb01k stre<span class=\"__14 _1058\"/>ss motsvar<span class=\"__14 _b_13\"/>ande en s\u00e4nkning av kreditbe-<span class=\"__14 _1ce\"> </span>tyget med tre s<span class=\"__14 _1058\"/>teg. Dessa m\u00e5tt bildar underlag f<span class=\"__14 _b_13\"/>\u00f6r Nordeas<span class=\"__14 _1ce\"> </span>tolerans i f<span class=\"__14 _1058\"/>r\u00e5ga om likviditetsrisk, och de granskas och god-<span class=\"__14 _1ce\"> </span>k\u00e4nns av s<span class=\"__14 _b_13\"/>tyrelsen minst en g\u00e5ng om \u00e5ret. Likviditetsrisktole-<span class=\"__14 _1ce\"> </span>ransen bes<span class=\"__14 _1058\"/>t\u00e4ms ocks\u00e5 av kr<span class=\"__14 _b_13\"/>aven g\u00e4llande likviditets<span class=\"__14 _1058\"/>t\u00e4ck-<span class=\"__14 _1ce\"> </span>ningsgrad (L<span class=\"__14 _b_13\"/>CR) och stabil netto\ufb01nansieringskvot (NSFR).<span class=\"__14 _1ce\"> </span>Den kortfristiga \ufb01nansieringsrisken m\u00e4<span class=\"__14 _b_13\"/>ts med hj\u00e4lp av LCR<span class=\"__14 _1ce\"> </span>och \u00e4v<span class=\"__14 _b_13\"/>en genom ett riskm\u00e5tt f\u00f6r \ufb01nansieringsbehovet. Det<span class=\"__14 _1ce\"> </span>h\u00e4r riskm\u00e5ttet visar det maximalt f<span class=\"__14 _b_13\"/>\u00f6rv\u00e4ntade ackumuler<span class=\"__14 _1058\"/>ade<span class=\"__14 _1ce\"> </span>behovet a<span class=\"__14 _b_13\"/>v likvida medel under de n\u00e4rmaste 30 dagarna. Ris-<span class=\"__14 _1ce\"> </span>ken g\u00e4llande \ufb01nansieringsbehovet m\u00e4<span class=\"__14 _b_13\"/>ts och begr\u00e4nsas f\u00f6r<span class=\"__14 _1ce\"> </span>varje enskild val<span class=\"__14 _1058\"/>uta och f\u00f6r alla v<span class=\"__14 _b_13\"/>alutor sammanlagt<span class=\"__14 _1072\"/>.<span class=\"__14 _1ce\"> </span>Den struk<span class=\"__14 _1058\"/>turella likviditetsrisken i Nor<span class=\"__14 _b_13\"/>dea m\u00e4ts med hj\u00e4lp<span class=\"__14 _1ce\"> </span>av m\u00e5nga olika m\u00e5<span class=\"__14 _b_13\"/>tt<span class=\"__14 _1072\"/>, vara<span class=\"__14 _b_13\"/>v NSFR \u00e4r det vanligaste. NSFR<span class=\"__14 _1ce\"> </span>kompetteras med det in<span class=\"__14 _b_13\"/>ternt de\ufb01nierade m\u00e5<span class=\"__14 _b_13\"/>ttet nettobalans-<span class=\"__14 _1ce\"> </span>kvot a<span class=\"__14 _b_13\"/>v stabil uppl\u00e5ning. Dessutom f<span class=\"__14 _1058\"/>\u00f6ljs kvoten f<span class=\"__14 _b_13\"/>\u00f6r utl\u00e5ning/<span class=\"__14 _1ce\"> </span>likviditetsriskpro\ufb01l upp noga, tillsammans med Nor<span class=\"__14 _1058\"/>deas upp-<span class=\"__14 _1ce\"> </span>l\u00e5ningspro\ufb01l och e<span class=\"__14 _b_13\"/>xterna kreditbetyg.<span class=\"__14 _1ce\"> </span>8.5 Analys a<span class=\"__14 _b_13\"/>v likviditetsrisk<span class=\"__14 _1ce\"> </span>Nordea f<span class=\"__14 _1058\"/>orts\u00e4tter att ha en tydlig och k<span class=\"__14 _b_13\"/>onser<span class=\"__14 _1072\"/>vativ likviditets-<span class=\"__14 _1ce\"> </span>riskpro\ufb01l, med en stark uppl\u00e5ningsbas. Vid utg\u00e5ngen a<span class=\"__14 _b_13\"/>v 2022<span class=\"__14 _1ce\"> </span>uppgick utnyttjad vol<span class=\"__14 _b_13\"/>ym i cer<span class=\"__14 _1072\"/>ti\ufb01katsprogr<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ammen till 50,9 md<span class=\"__14 _1ce\"> </span></span>euro (38,2 md euro), med en genomsnittlig \u00e5ters<span class=\"__14 _1058\"/>t\u00e5ende l\u00f6ptid<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">p\u00e5 0,3 \u00e5r (0,4 \u00e5r). V</span><span class=\"__14 _b_13\"/>olymen i de l\u00e5ngfristiga progr<span class=\"__14 _b_13\"/>ammen upp<span class=\"__14 _1072\"/>-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">gick till 138,3 md euro (144,3 md euro</span><span class=\"__14 _1058\"/>), med en genomsnittlig<span class=\"__14 _1ce\"> </span>\u00e5terst\u00e5ende l\u00f6p<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">tid p\u00e5 6,3 \u00e5r (7</span><span class=\"__14 _b_13\"/>,3 \u00e5r). Nordeas \ufb01nansieringsk\u00e4l-<span class=\"__14 _1ce\"> </span>lor framg\u00e5r a<span class=\"__14 _b_13\"/>v tabellen nedan.<span class=\"__14 _1ce\"> </span>Likviditetsriskpositionen var f<span class=\"__14 _b_13\"/>or<span class=\"__14 _1072\"/>tsatt stark under hela 2022.<span class=\"__14 _1ce\"> </span>Likviditetshorisont<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">en under stress var till 1 095 dagar vid<span class=\"__14 _1ce\"> </span></span>utg\u00e5ngen a<span class=\"__14 _1058\"/>v 2022 (1 095 dagar), med ett \u00e5rsgenomsnitt<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">p\u00e5 1 084 dagar (753 dagar). Koncernens nedr</span><span class=\"__14 _b_13\"/>e gr\u00e4ns \u00e4r<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">90 dagar</span><span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>\u00c5rsgenomsnittet f\u00f6r \ufb01nansieringsbeho<span class=\"__14 _b_13\"/>vet uppgick till<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">+51,8 md euro (+44,9 md euro</span><span class=\"__14 _1058\"/>), att j\u00e4mf<span class=\"__14 _b_13\"/>\u00f6ra med gr\u00e4nsv\u00e4r<span class=\"__14 _1058\"/>det<span class=\"__14 _1ce\"> </span>som \u00e4r \u201315 md euro<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">. Nordeas likviditetsbuffert uppgick under<span class=\"__14 _1ce\"> </span></span><span class=\"__14 _1ce\">2022 till mellan 111,9 md euro och 141,2 md euro (92,</span><span class=\"__14 _1c_10\"/>1 md euro<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">och 145,2 md euro), med ett genomsnitt p\u00e5 126,9 md eur</span><span class=\"__14 _1058\"/>o<span class=\"__14 _1ce\"> </span>(122,8 md euro).<span class=\"__14 _1ce\"> </span>Den kombinerade L<span class=\"__14 _b_13\"/>CR f\u00f6r Nordeakoncernen uppgick till<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">162 procen</span><span class=\"__14 _b_13\"/>t vid utg\u00e5ngen av 2022 (160 procen<span class=\"__14 _b_13\"/>t), och \u00e5r<span class=\"__14 _1072\"/>sge-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">nomsnittet var 152 procen</span><span class=\"__14 _b_13\"/>t (152 procent). Vid utg\u00e5ngen a<span class=\"__14 _b_13\"/>v<span class=\"__14 _1ce\"> </span>2022 uppgick LCR i eur<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">o till 149 procen</span><span class=\"__14 _b_13\"/>t (143 procent) och i<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">dollar till 177 procen</span><span class=\"__14 _b_13\"/>t (169 procent). \u00c5rsgenomsnittet v<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">186 procen</span><span class=\"__14 _b_13\"/>t (228 procent) respek<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">tive 202 procent (1</span><span class=\"__14 _1058\"/>7<span class=\"__14 _b_13\"/>4 pro-<span class=\"__14 _1ce\"> </span>cent). Vid ut<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">g\u00e5ngen av 2022 uppgick NSFR till 115,6 pr</span><span class=\"__14 _b_13\"/>ocent<span class=\"__14 _1ce\"> </span>(111,<span class=\"__14 _b_13\"/>1 procen<span class=\"__14 _b_13\"/>t).<span class=\"__14 _1ce\"> </span>Finansieringsk\u00e4llor<span class=\"__14 _b_13\"/>, 31 december 2022<span class=\"__14 _1ce\"> </span>T<span class=\"__14 _b_13\"/>yp av skuld<span class=\"__14 _1125\"> </span>R\u00e4ntebas<span class=\"__14 _1ce\"> </span>Snitt <span class=\"__14 _1069\"/> l\u00f6ptid (\u00e5r)<span class=\"__14 _7d_7\"> </span>Mn euro<span class=\"__14 _1ce\"> </span>Skulder till kreditinstitut<span class=\"__14 _1ce\"> </span>Kortare \u00e4n 3 m\u00e5nader <span class=\"__14 _1118\"> </span>E<span class=\"__14 _b_13\"/>uribor, etc.<span class=\"__14 _2b_8\"> </span><span class=\"ls17_11 ws3d_5\">0<span class=\"__14 _1066\"/>,1<span class=\"__14 _5d_6\"> </span></span>21 854<span class=\"__14 _1ce\"> </span>L\u00e4ngre \u00e4n 3 m\u00e5nader<span class=\"__14 _a1_6\"> </span>Euribor<span class=\"__14 _b_13\"/>, etc.<span class=\"__14 _1086\"> </span>0,9<span class=\"__14 _1123\"> </span>11 015<span class=\"__14 _1ce\"> </span>In- och uppl\u00e5ning fr\u00e5n<span class=\"__14 _1ce\"> </span>allm\u00e4nheten<span class=\"__14 _1ce\"> </span>A<span class=\"__14 _b_13\"/>vistainl\u00e5ning<span class=\"__14 _1081\"> </span>Administr<span class=\"__14 _b_13\"/>ativ<span class=\"__14 _a2_6\"> </span>0,0<span class=\"__14 _7d_7\"> </span>182 855<span class=\"__14 _1ce\"> </span>\u00d6vrig inl\u00e5ning<span class=\"__14 _1081\"> </span>Euribor<span class=\"__14 _b_13\"/>, etc.<span class=\"__14 _bb_7\"> </span>0,2<span class=\"__14 _1a8\"> </span>34 609<span class=\"__14 _1ce\"> </span>Emitterade v\u00e4r<span class=\"__14 _1058\"/>depapper<span class=\"__14 _1ce\"> </span>Bankcerti\ufb01cat<span class=\"__14 _1cc\"> </span>Euribor<span class=\"__14 _1c_10\"/>, etc.<span class=\"__14 _bb_7\"> </span>0,3<span class=\"__14 _1a8\"> </span>36 930<span class=\"__14 _1ce\"> </span>F\u00f6ret<span class=\"__14 _1058\"/>agscerti\ufb01kat<span class=\"__14 _8e_6\"> </span>E<span class=\"__14 _b_13\"/>uribor<span class=\"__14 _1058\"/>, etc.<span class=\"__14 _1086\"> </span>0,4<span class=\"__14 _5d_6\"> </span>13 991 S\u00e4kerst\u00e4llda hypoteksobliga<span class=\"__14 _b_13\"/>tioner<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _b_13\"/>ast r\u00e4nta,<span class=\"__14 _1ce\"> </span>marknads baserad<span class=\"__14 _1129\"> </span><span class=\"ls15_11 ws3b_5\">7,1<span class=\"__14 _1157\"> </span></span><span class=\"ws0_14\">105 354<span class=\"__14 _1ce\"> </span></span>\u00d6vriga obligationsl\u00e5n<span class=\"__14 _4c_6\"> </span>Fast r\u00e4n<span class=\"__14 _b_13\"/>ta,<span class=\"__14 _1ce\"> </span>marknadsbaserad<span class=\"__14 _7c_6\"> </span>3,3<span class=\"__14 _1a9\"> </span>27 526<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring a<span class=\"__14 _b_13\"/>v verkligt v\u00e4rde<span class=\"__14 _1ce\"> </span>f\u00f6r r\u00e4n<span class=\"__14 _b_13\"/>tes\u00e4krade poster<span class=\"__14 _6d_6\"> </span>-3 998<span class=\"__14 _1ce\"> </span>Derivatinstrumen<span class=\"__14 _b_13\"/>t<span class=\"__14 _14c_3\"> </span>40 102<span class=\"__14 _1ce\"> </span>\u00d6vriga icke r\u00e4n<span class=\"__14 _1058\"/>teb\u00e4rande<span class=\"__14 _1ce\"> </span>skulder<span class=\"__14 _1cd\"> </span>60 203<span class=\"__14 _1ce\"> </span>Efterst\u00e4llda skulder<span class=\"__14 _1ce\"> </span>F\u00f6rlagsl\u00e5n som ing\u00e5r i supplement\u00e4rt kapital<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _b_13\"/>ast r\u00e4nta,<span class=\"__14 _1ce\"> </span>marknadsbaserad<span class=\"__14 _1113\"> </span><span class=\"ls1b_8 ws41_5\">8,8<span class=\"__14 _3d_8\"> </span></span>3 305<span class=\"__14 _1ce\"> </span>Eviga f\u00f6rlagsl\u00e5n som ing\u00e5r i<span class=\"__14 _1ce\"> </span>k\u00e4rn- och prim\u00e4rkapital<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _b_13\"/>ast r\u00e4nta,<span class=\"__14 _1ce\"> </span>marknadsbaserad<span class=\"__14 _1089\"> </span>2 600<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring a<span class=\"__14 _b_13\"/>v verkligt v\u00e4rde<span class=\"__14 _1ce\"> </span>f\u00f6r r\u00e4n<span class=\"__14 _b_13\"/>tes\u00e4krade poster<span class=\"__14 _1167\"> </span>-504<span class=\"__14 _1ce\"> </span>Eget kapital<span class=\"__14 _1199\"> </span>31 404<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _cb_6\"> </span>567 246<span class=\"__14 _1ce\"> </span>Skulder till<span class=\"__14 _1ce\"> </span>f\u00f6rs\u00e4kringstagar<span class=\"__14 _1058\"/>e<span class=\"__14 _13d_4\"> </span>27 598<span class=\"__14 _1ce\"> </span>Summa, inklusive<span class=\"__14 _1ce\"> </span>livf\u00f6rs\u00e4kringsr\u00f6relsen<span class=\"__14 _d7_6\"> </span>594 844<span class=\"__14 _1ce\"> </span>Stabil netto\ufb01nansieringskvo<span class=\"__14 _b_13\"/>t (NSFR)<span class=\"__14 _1ce\"> </span>Md euro<span class=\"__14 _1107\"> </span>31 dec 2022<span class=\"__14 _1223\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span>Tillg\u00e4nglig stabil \ufb01nansiering<span class=\"__14 _1210\"> </span>313,5<span class=\"__14 _1111\"> </span>311,8<span class=\"__14 _1ce\"> </span>Behov av s<span class=\"__14 _b_13\"/>tabil \ufb01nansiering<span class=\"__14 _15d_1\"> </span>271,<span class=\"__14 _b_13\"/>1<span class=\"__14 _9b_6\"> </span>280,5<span class=\"__14 _1ce\"> </span>Stabil netto\ufb01nansiering<span class=\"__14 _ab_6\"> </span>42,4<span class=\"__14 _be_7\"> </span>31,<span class=\"__14 _1072\"/>2<span class=\"__14 _1ce\"> </span>Stabil nettofinansieringskvo<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">t 1</span><span class=\"__14 _1219\"> </span>115,6 %<span class=\"__14 _1104\"> </span>111,1 %<span class=\"__14 _1ce\"> </span>1)  I enlighet med CRR II<span class=\"__14 _1ce\"> </span>.<span class=\"__14 _1ce\"> </span>K11  Risk- och likviditetshan<span class=\"__14 _b_13\"/>tering, forts.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialRiskManagementExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-760": {
   "value": "2. Kreditrisk Krediter i Nordea be<span class=\"__14 _1058\"/>viljas enligt de gemensamma principer som fas<span class=\"__14 _b_13\"/>tst\u00e4llts f\u00f6r konc<span class=\"__14 _b_13\"/>ernen. Nordea str\u00e4v<span class=\"__14 _b_13\"/>ar efter att ha en v\u00e4ldiversi\ufb01erad kr<span class=\"__14 _b_13\"/>editpor<span class=\"__14 _1072\"/>tf\u00f6lj som anpassats till s<span class=\"__14 _b_13\"/>trukturen p\u00e5 koncernens hemmamarknader<span class=\"__14 _b_13\"/>. Nordeas kreditportf<span class=\"__14 _1058\"/>\u00f6lj \u00e4r upp-<span class=\"__14 _1ce\"> </span>delad efter typ a<span class=\"__14 _b_13\"/>v exponeringsklass (f\u00f6retag och priv<span class=\"__14 _b_13\"/>atkun-<span class=\"__14 _1ce\"> </span>der) eller sekt<span class=\"__14 _1058\"/>or<span class=\"__14 _b_13\"/>, och d\u00e4refter ytterligare indelad i s<span class=\"__14 _1058\"/>egment, bransch och region. Rapportering sker m\u00e5nadsvis, kv<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>talsvis och \u00e5rsvis. Huvudprinciperna f\u00f6r han<span class=\"__14 _b_13\"/>teringen av Nordeas kreditrisk \u00e4r:<span class=\"__14 _1ce\"> </span>\u2022 <span class=\"__14 _1f_10\"> </span>riskbaserat f<span class=\"__14 _b_13\"/>\u00f6rh\u00e5llningss\u00e4tt, det vill s\u00e4ga riskhanterings-<span class=\"__14 _1ce\"> </span>funk<span class=\"__14 _1058\"/>tionerna ska vara anpassade eft<span class=\"__14 _b_13\"/>er verksamhetens art<span class=\"__14 _1072\"/>, omf<span class=\"__14 _b_13\"/>attning och komplexitet, och d\u00e4rmed s\u00e4kerst\u00e4lla att de \u00e5tg\u00e4rder s<span class=\"__14 _1058\"/>om vidtas st\u00e5r i proportion till riskerna \u2022 <span class=\"__14 _1f_10\"> </span>oberoende, det vill s\u00e4ga riskkon<span class=\"__14 _b_13\"/>trollfunktionen ska var<span class=\"__14 _b_13\"/>a oberoende i f<span class=\"__14 _1058\"/>\u00f6rh\u00e5llande till den verksamhet man kontr<span class=\"__14 _b_13\"/>ollerar<span class=\"__14 _1ce\"> </span>\u2022 <span class=\"__14 _1f_10\"> </span>de tre f<span class=\"__14 _1058\"/>\u00f6rsvarslinjerna, enligt beskrivningen i koncerndirek<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>tivet om int<span class=\"__14 _b_13\"/>ern styrning (Group Board Dir<span class=\"__14 _1058\"/>ective on Internal Governance<span class=\"__14 _b_13\"/>).<span class=\"__14 _1ce\"> </span>Group Credit Managemen<span class=\"__14 _b_13\"/>t utg\u00f6r den f\u00f6rsta f<span class=\"__14 _1058\"/>\u00f6rsvarslinjen och ansvarar f<span class=\"__14 _b_13\"/>\u00f6r kreditprocessen liksom f<span class=\"__14 _b_13\"/>\u00f6r de branschspeci\ufb01ka riktlinjerna f<span class=\"__14 _b_13\"/>\u00f6r kreditgivning. Group Credit Risk Con<span class=\"__14 _b_13\"/>trol \u00e4r den andra f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>svarslinjen och ansvarar f<span class=\"__14 _b_13\"/>\u00f6r ramverket f<span class=\"__14 _b_13\"/>\u00f6r kreditrisk, som utg\u00f6rs av ins<span class=\"__14 _b_13\"/>truktioner och riktlinjer f<span class=\"__14 _b_13\"/>\u00f6r koncernen. Group Credit Risk Con<span class=\"__14 _b_13\"/>trol ansvarar ocks\u00e5 f<span class=\"__14 _1058\"/>\u00f6r att kon<span class=\"__14 _b_13\"/>trollera och \u00f6vervaka kv<span class=\"__14 _b_13\"/>aliteten i kreditportf\u00f6ljen och kreditproce<span class=\"__14 _1058\"/>s-<span class=\"__14 _1ce\"> </span>sen.<span class=\"__14 _1ce\"> </span>Grunden f\u00f6r han<span class=\"__14 _b_13\"/>tering av kreditrisk i Nordea \u00e4r allok<span class=\"__14 _b_13\"/>ering av limit<span class=\"__14 _1058\"/>er till kunder och grupper a<span class=\"__14 _b_13\"/>v kunder som l\u00e4ggs sam-<span class=\"__14 _1ce\"> </span>man och f\u00f6r<span class=\"__14 _1058\"/>delas p\u00e5 enheter som ansvar<span class=\"__14 _b_13\"/>ar f\u00f6r den l\u00f6pande uppf\u00f6ljningen. Ut<span class=\"__14 _b_13\"/>\u00f6ver rutinerna f\u00f6r f<span class=\"__14 _b_13\"/>\u00f6rdelning av limiter f<span class=\"__14 _b_13\"/>\u00f6r kunder och kundgrupper innef<span class=\"__14 _b_13\"/>attar Nordeas ramv<span class=\"__14 _b_13\"/>erk f\u00f6r kre-<span class=\"__14 _1ce\"> </span>ditriskhantering \u00e4<span class=\"__14 _b_13\"/>ven anvisningar om kreditrisk<span class=\"__14 _b_13\"/>tolerans, som ger ett m\u00e5ngsidigt och riskbaserat portf<span class=\"__14 _b_13\"/>\u00f6ljper<span class=\"__14 _1072\"/>spektiv tack vare r<span class=\"__14 _1058\"/>elevan<span class=\"__14 _b_13\"/>ta m\u00e5tt f\u00f6r tillg\u00e5ngskvalit<span class=\"__14 _1058\"/>et och koncen<span class=\"__14 _b_13\"/>trations-<span class=\"__14 _1ce\"> </span>risk. V<span class=\"__14 _b_13\"/>arje division/enhet har huvudansvar<span class=\"__14 _b_13\"/>et f\u00f6r hantering a<span class=\"__14 _b_13\"/>v kreditrisk i sina respek<span class=\"__14 _b_13\"/>tive verksamheter<span class=\"__14 _b_13\"/>, inom till\u00e4mpliga ramar och limiter<span class=\"__14 _1c_10\"/>, med bland annat identi\ufb01ering, kontr<span class=\"__14 _b_13\"/>oll och rapportering a<span class=\"__14 _1058\"/>v risker<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>Beslutsfa<span class=\"__14 _b_13\"/>ttande kreditinstanser p\u00e5 olika niv\u00e5er i or<span class=\"__14 _b_13\"/>ganisa-<span class=\"__14 _1ce\"> </span>tionen fas<span class=\"__14 _1058\"/>tst\u00e4ller in<span class=\"__14 _b_13\"/>terna kreditrisklimiter inom ramen f\u00f6r de befogenhet<span class=\"__14 _1058\"/>er som styrelsen till<span class=\"__14 _1058\"/>delat. Dessa kreditrisklimiter motsvar<span class=\"__14 _b_13\"/>ar Nordeas maximala risktolerans gen<span class=\"__14 _b_13\"/>temot kunden i fr\u00e5ga. Individuella kr<span class=\"__14 _1058\"/>editbeslut inom godk\u00e4nda kreditrisklimi-<span class=\"__14 _1ce\"> </span>ter fa<span class=\"__14 _b_13\"/>ttas av den kundansvariga enhet<span class=\"__14 _b_13\"/>en. Kundens riskkate-<span class=\"__14 _1ce\"> </span>gori och samlade kredite<span class=\"__14 _b_13\"/>xponering avg\u00f6r p\u00e5 vilken niv<span class=\"__14 _1058\"/>\u00e5 kre-<span class=\"__14 _1ce\"> </span>ditbeslutet tas. <span class=\"__14 _b_13\"/>Ansvaret f\u00f6r en kr<span class=\"__14 _1058\"/>editrisk ligger hos den kund-<span class=\"__14 _1ce\"> </span>ansvariga enheten. Kunderna riskklassi\ufb01c<span class=\"__14 _b_13\"/>eras och tilldelas en rating eller sc<span class=\"__14 _b_13\"/>oring i enlighet med Nordeas riktlinjer p\u00e5 omr\u00e5-<span class=\"__14 _1ce\"> </span>det. Riskklassningen sy<span class=\"__14 _1072\"/>ftar till att f<span class=\"__14 _b_13\"/>astst\u00e4lla sannolikheten f\u00f6r fallissemang, vilk<span class=\"__14 _1058\"/>et inneb\u00e4r att kunderna r<span class=\"__14 _b_13\"/>ankas utifr\u00e5n risken f\u00f6r f<span class=\"__14 _b_13\"/>allissemang. Rating och scoring ing\u00e5r i kreditriskhan<span class=\"__14 _b_13\"/>te-<span class=\"__14 _1ce\"> </span>ringen och kreditbeslutsproc<span class=\"__14 _b_13\"/>essen. Oberoende represen<span class=\"__14 _1058\"/>tan-<span class=\"__14 _1ce\"> </span>ter fr\u00e5n kr<span class=\"__14 _b_13\"/>editorganisationens f\u00f6rst<span class=\"__14 _1058\"/>a f\u00f6rsvarslinje godk\u00e4nner ratingen.<span class=\"__14 _1ce\"> </span>2.<span class=\"__14 _b_13\"/>1 De\ufb01nition och identi\ufb01ering a<span class=\"__14 _b_13\"/>v kreditrisk<span class=\"__14 _1ce\"> </span>Kreditrisk de\ufb01nieras som risk<span class=\"__14 _b_13\"/>en f\u00f6r f\u00f6rlus<span class=\"__14 _b_13\"/>t om en l\u00e5ntagare inte kan f<span class=\"__14 _b_13\"/>ullg\u00f6ra sina betalningsskyldigheter f\u00f6r ett l\u00e5n i enlighet med avtalade villk<span class=\"__14 _b_13\"/>or. F<span class=\"__14 _b_13\"/>\u00f6r att minska f\u00f6rl<span class=\"__14 _1058\"/>ustrisken anv\u00e4nds olika met<span class=\"__14 _1058\"/>oder f\u00f6r riskhan<span class=\"__14 _b_13\"/>tering. Kreditrisk uppkom-<span class=\"__14 _1ce\"> </span>mer huvudsakligen genom olika typer av utl\u00e5ning, liks<span class=\"__14 _1058\"/>om genom garan<span class=\"__14 _1058\"/>tier och remburser<span class=\"__14 _b_13\"/>, och innefatt<span class=\"__14 _1058\"/>ar motpartskre-<span class=\"__14 _1ce\"> </span>ditrisk, transfer<span class=\"__14 _b_13\"/>eringsrisk och avvecklingsrisk.<span class=\"__14 _1ce\"> </span>Nordeas kreditportf\u00f6lj \u00e4r ocks\u00e5 uppdelad eft<span class=\"__14 _b_13\"/>er segment, bransch och region. Br<span class=\"__14 _b_13\"/>anschspeci\ufb01ka kreditpolicyer \ufb01nns f\u00f6r<span class=\"__14 _1ce\"> </span>de branscher som utg\u00f6r en bety<span class=\"__14 _b_13\"/>dande andel av portf\u00f6ljen och/<span class=\"__14 _1058\"/>eller som antingen \u00e4r v<span class=\"__14 _b_13\"/>\u00e4ldigt konjunkturk\u00e4nsliga/volatila eller kr\u00e4<span class=\"__14 _b_13\"/>ver speci\ufb01ka branschkunskaper<span class=\"__14 _1c_10\"/>.<span class=\"__14 _1ce\"> </span>Kreditbesluten f<span class=\"__14 _b_13\"/>attas efter en bed\u00f6mning a<span class=\"__14 _1058\"/>v kreditrisken  <span class=\"__14 _d_13\"/>utifr\u00e5n principer som fas<span class=\"__14 _b_13\"/>tst\u00e4llts p\u00e5 ett konsekven<span class=\"__14 _b_13\"/>t s\u00e4tt f\u00f6r hela koncernen. Dessa principer betonar beho<span class=\"__14 _b_13\"/>vet att anpassa bed\u00f6mningens detaljniv\u00e5 och om<span class=\"__14 _1058\"/>fa<span class=\"__14 _1058\"/>ttning efter risken. Samma kreditriskbed\u00f6mning anv<span class=\"__14 _1058\"/>\u00e4nds som underlag f\u00f6r den in<span class=\"__14 _b_13\"/>terna riskklassi\ufb01ceringen. Kreditbeslut<span class=\"__14 _1058\"/>en i Nordea speglar koncer-<span class=\"__14 _1ce\"> </span>nens syn p\u00e5 b\u00e5de kundrela<span class=\"__14 _1058\"/>tionen och kreditrisken.<span class=\"__14 _1ce\"> </span>ESG-fak<span class=\"__14 _1058\"/>torer bed\u00f6ms var<span class=\"__14 _b_13\"/>a en v\u00e4sentlig eller pot<span class=\"__14 _1058\"/>entiellt v\u00e4sen<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">tlig k\u00e4lla till kreditrisk. I aff\u00e4rsomr\u00e5desa</span><span class=\"__14 _b_13\"/>vsnitten, h\u00e5ll-<span class=\"__14 _1ce\"> </span>barhetsnoterna och P<span class=\"__14 _b_13\"/>elare 3-rapporten ger Nordea en f\u00f6rdju-<span class=\"__14 _1ce\"> </span>pad sammanf<span class=\"__14 _b_13\"/>attning av utfall<span class=\"__14 _1058\"/>et fr\u00e5n v<span class=\"__14 _b_13\"/>\u00e4sentlighetsbed\u00f6m-<span class=\"__14 _1ce\"> </span>ningen, liksom av iden<span class=\"__14 _b_13\"/>ti\ufb01ering, begr\u00e4nsning, hantering, kapi-<span class=\"__14 _1ce\"> </span>talt\u00e4ckning och \u00e5t<span class=\"__14 _b_13\"/>g\u00e4rder g\u00e4llande ESG-faktorer s<span class=\"__14 _1058\"/>om riskk\u00e4lla.<span class=\"__14 _1ce\"> </span>Den samlade kreditriskbed\u00f6mningen speglar risken g\u00e4l-<span class=\"__14 _1ce\"> </span>lande b\u00e5de l\u00e5ntagar<span class=\"__14 _1058\"/>ens \u00e5terbetalningskapacit<span class=\"__14 _1058\"/>et och m\u00f6jlig-<span class=\"__14 _1ce\"> </span>heterna till \u00e5tervinning. Slutsats<span class=\"__14 _1058\"/>en ska vara tillr<span class=\"__14 _b_13\"/>\u00e4ckligt fram\u00e5t-<span class=\"__14 _1ce\"> </span>blickande i f\u00f6rh\u00e5llande till k<span class=\"__14 _b_13\"/>undens riskpro\ufb01l och l\u00e5nets l\u00f6p-<span class=\"__14 _1ce\"> </span>tid.<span class=\"__14 _1ce\"> </span>F\u00f6rut<span class=\"__14 _1058\"/>om kreditriskbed\u00f6mningen i samband med ny eller f\u00f6r<span class=\"__14 _b_13\"/>\u00e4ndrad exponering gent<span class=\"__14 _1058\"/>emot en kund g\u00f6rs ocks\u00e5 en \u00e5rsf\u00f6-<span class=\"__14 _1ce\"> </span>redragning alt<span class=\"__14 _b_13\"/>ernativt kontinuerlig kreditgr<span class=\"__14 _b_13\"/>anskning. Denna granskning \u00e4r en vik<span class=\"__14 _1058\"/>tig del av den l\u00f6pande kr<span class=\"__14 _b_13\"/>editbed\u00f6m-<span class=\"__14 _1ce\"> </span>ningen.<span class=\"__14 _1ce\"> </span>Om en svaghet uppt\u00e4cks i en k<span class=\"__14 _b_13\"/>undexponering klassi\ufb01ceras kunden som \u201dh\u00f6griskkund\u201d och h\u00e5lls under s\u00e4rskild uppsik<span class=\"__14 _b_13\"/>t med t\u00e4tare gr<span class=\"__14 _b_13\"/>anskning. Ut\u00f6ver den fortl\u00f6pande kon<span class=\"__14 _b_13\"/>trollen fas<span class=\"__14 _1058\"/>tst\u00e4lls en \u00e5t<span class=\"__14 _b_13\"/>g\u00e4rdsplan som anger hur den eventuella kre-<span class=\"__14 _1ce\"> </span>ditf\u00f6rlus<span class=\"__14 _b_13\"/>ten ska minimeras. Om s\u00e5 kr\u00e4<span class=\"__14 _b_13\"/>vs inr\u00e4ttas ett s\u00e4rskilt team som ska st<span class=\"__14 _1058\"/>\u00f6dja den kundansvariga enhet<span class=\"__14 _1058\"/>en.<span class=\"__14 _1ce\"> </span>2.2 Begr\u00e4nsning av kr<span class=\"__14 _b_13\"/>editrisk<span class=\"__14 _1ce\"> </span>Begr\u00e4nsning a<span class=\"__14 _b_13\"/>v kreditrisken g\u00f6rs inom ramen f\u00f6r kreditbe-<span class=\"__14 _1ce\"> </span>slutsprocessen. I v<span class=\"__14 _b_13\"/>arje kreditbeslut och kreditgranskning beaktas v<span class=\"__14 _b_13\"/>\u00e4rdet av s\u00e4kerheter och ev<span class=\"__14 _b_13\"/>entuella kovenan<span class=\"__14 _b_13\"/>ter samt andra riskbegr\u00e4nsande \u00e5<span class=\"__14 _b_13\"/>tg\u00e4rder<span class=\"__14 _b_13\"/>. St\u00e4llande av s\u00e4kerhet \u00e4r en grundl\u00e4ggande metod f\u00f6r riskbegr<span class=\"__14 _b_13\"/>\u00e4nsningen i Nordea. S\u00e4ker-<span class=\"__14 _1ce\"> </span>het beg\u00e4rs alltid n\u00e4r s\u00e5 \u00e4r rimligt och m\u00f6jligt, i sy<span class=\"__14 _1072\"/>fte att mini-<span class=\"__14 _1ce\"> </span>mera risken f<span class=\"__14 _b_13\"/>\u00f6r kreditf\u00f6rlust.<span class=\"__14 _1ce\"> </span>I Nordea utg\u00f6rs s\u00e4kerheterna f<span class=\"__14 _b_13\"/>r\u00e4mst av f<span class=\"__14 _b_13\"/>astigheter<span class=\"__14 _b_13\"/>, f\u00f6re-<span class=\"__14 _1ce\"> </span>tagsinteckningar och l<span class=\"__14 _1058\"/>easingobjekt. S\u00e4kerhetst\u00e4ckningen ska generellt var<span class=\"__14 _b_13\"/>a h\u00f6gre f\u00f6r \ufb01nansiellt sv<span class=\"__14 _1058\"/>agare kunder \u00e4n f<span class=\"__14 _b_13\"/>\u00f6r de som \u00e4r \ufb01nansiellt stark<span class=\"__14 _1058\"/>are.<span class=\"__14 _1ce\"> </span>Oberoende a<span class=\"__14 _b_13\"/>v s\u00e4kerhetst\u00e4ckningen s\u00e5 \u00e4r \u00e5terbetalningska<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>paciteten utg\u00e5ngspunk<span class=\"__14 _b_13\"/>ten i kreditbed\u00f6mningen och f\u00f6rdel<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>ningen av kr<span class=\"__14 _b_13\"/>editlimiter<span class=\"__14 _1058\"/>. F\u00f6r s<span class=\"__14 _b_13\"/>tora krediter anv<span class=\"__14 _1058\"/>\u00e4nds huvudsak-<span class=\"__14 _1ce\"> </span>ligen syndikering a<span class=\"__14 _b_13\"/>v l\u00e5n som metod f\u00f6r att han<span class=\"__14 _b_13\"/>tera koncentr<span class=\"__14 _b_13\"/>a-<span class=\"__14 _1ce\"> </span>tionsrisk, medan kreditderivat endas<span class=\"__14 _b_13\"/>t anv\u00e4nds i begr\u00e4nsad omf<span class=\"__14 _b_13\"/>attning. Kovenan<span class=\"__14 _b_13\"/>ter i kreditavtal an<span class=\"__14 _b_13\"/>v\u00e4nds som komple-<span class=\"__14 _1ce\"> </span>ment till s\u00e4ker <span class=\"__14 _d_13\"/>heter<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>De flesta e<span class=\"__14 _b_13\"/>xponeringar av betydande st<span class=\"__14 _1058\"/>orlek och komple<span class=\"__14 _1058\"/>xi-<span class=\"__14 _1ce\"> </span>tet omf<span class=\"__14 _b_13\"/>attar l\u00e4mpliga kovenan<span class=\"__14 _b_13\"/>ter<span class=\"__14 _b_13\"/>. Kovenan<span class=\"__14 _1058\"/>ter ger tidiga var-<span class=\"__14 _1ce\"> </span>ningssignaler s\u00e5 att Nordea kan upp<span class=\"__14 _b_13\"/>t\u00e4cka, och vidta \u00e5tg\u00e4rder<span class=\"__14 _b_13\"/>, om kreditkvalitet<span class=\"__14 _b_13\"/>en eller l\u00e5ntagarens ekonomi generell<span class=\"__14 _1058\"/>t skulle f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>s\u00e4mras. Brott mo<span class=\"__14 _b_13\"/>t kovenanterna inneb\u00e4r a<span class=\"__14 _b_13\"/>tt Nordea kan s\u00e4ga upp l\u00e5net/krediten och beg\u00e4ra \u00e5<span class=\"__14 _1058\"/>terbetalning a<span class=\"__14 _b_13\"/>v det utest\u00e5ende beloppet.<span class=\"__14 _1ce\"> </span>S\u00e4kerhetsv\u00e4rdet sk<span class=\"__14 _1058\"/>a alltid baseras p\u00e5 marknadsv<span class=\"__14 _b_13\"/>\u00e4rdet<span class=\"__14 _1072\"/>. Marknadsv\u00e4rdet de\ufb01nier<span class=\"__14 _b_13\"/>as som det ber\u00e4knade v\u00e4rdet till vil-<span class=\"__14 _1ce\"> </span>ket en villig s\u00e4ljare skulle \u00f6<span class=\"__14 _b_13\"/>verl\u00e5ta tillg\u00e5ngen eller skulden till en i f\u00f6rh\u00e5llande till s\u00e4ljar<span class=\"__14 _1058\"/>en oberoende k\u00f6pare p\u00e5 v<span class=\"__14 _b_13\"/>\u00e4rderings-<span class=\"__14 _1ce\"> </span>dagen efter l\u00e4mplig marknadsf<span class=\"__14 _1058\"/>\u00f6ring d\u00e4r b\u00e5da parterna har agerat med insik<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>, f\u00f6rsiktighet och ut<span class=\"__14 _1058\"/>an tv\u00e5ng. F<span class=\"__14 _1058\"/>r\u00e5n detta marknadsv\u00e4rde g\u00f6rs ett a<span class=\"__14 _b_13\"/>vdrag f\u00f6r a<span class=\"__14 _1058\"/>tt ber\u00e4kna s\u00e4kerhetsv<span class=\"__14 _1058\"/>\u00e4r-<span class=\"__14 _1ce\"> </span>det. A<span class=\"__14 _b_13\"/>vdraget \u00e4r en procen<span class=\"__14 _b_13\"/>tsats med vilken tillg\u00e5ngens mark-<span class=\"__14 _1ce\"> </span>nadsv\u00e4rde minskas f<span class=\"__14 _b_13\"/>\u00f6r att ha en marginal i h\u00e4ndelse a<span class=\"__14 _b_13\"/>v f\u00f6r-<span class=\"__14 _1ce\"> </span>lust. A<span class=\"__14 _b_13\"/>vdraget ska spegla sv<span class=\"__14 _b_13\"/>\u00e4ngningarna i tillg\u00e5ngens mark-<span class=\"__14 _1ce\"> </span>nadsv\u00e4rde, likviditet och f<span class=\"__14 _b_13\"/>\u00f6rs\u00e4ljningskostnad. F\u00f6r v<span class=\"__14 _b_13\"/>arje s\u00e4kerhetskategori \ufb01nns ett mins<span class=\"__14 _b_13\"/>ta avdrag f<span class=\"__14 _b_13\"/>r\u00e5n marknadsv\u00e4r-<span class=\"__14 _1ce\"> </span>det. Ut\u00f6ver detta a<span class=\"__14 _b_13\"/>vdrag g\u00f6rs \u00e4ven a<span class=\"__14 _b_13\"/>vdrag fr<span class=\"__14 _1058\"/>\u00e5n marknadsv\u00e4r-<span class=\"__14 _1ce\"> </span>det f\u00f6r ev<span class=\"__14 _b_13\"/>entuella prioriterade f<span class=\"__14 _b_13\"/>ordringar n\u00e4r det h\u00f6gsta s\u00e4kerhetsv\u00e4rdet sk<span class=\"__14 _1058\"/>a ber\u00e4knas.<span class=\"__14 _1ce\"> </span>Samma ber\u00e4kningsprinciper ska anv<span class=\"__14 _b_13\"/>\u00e4ndas f\u00f6r alla krediter<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>2.3 F\u00f6r<span class=\"__14 _b_13\"/>delning av s\u00e4kerheter<span class=\"__14 _1ce\"> </span>F\u00f6r<span class=\"__14 _1058\"/>delningen av s\u00e4k<span class=\"__14 _b_13\"/>erheter f\u00f6rblev i stort sett of<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndrad <span class=\"__14 _1ce\">under 2022, med 93 procen</span><span class=\"__14 _b_13\"/>t (93 procent) a<span class=\"__14 _1058\"/>v s\u00e4kerheterna i bostadsf<span class=\"__14 _b_13\"/>astigheter och kommersiella fastigheter<span class=\"__14 _1c_10\"/>. De kommer-<span class=\"__14 _1ce\"> </span>siella fas<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">tigheternas andel minskade till 17 proc</span><span class=\"__14 _b_13\"/>ent (18 pro-<span class=\"__14 _1ce\"> </span>cent) medan den f<span class=\"__14 _b_13\"/>\u00f6r bostadsfas<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">tigheter \u00f6kade till 76 proc</span><span class=\"__14 _b_13\"/>ent (75 procen<span class=\"__14 _b_13\"/>t). Andelarna f\u00f6r \u00f6vriga typer a<span class=\"__14 _b_13\"/>v s\u00e4kerheter var i stort sett of<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndrade under 2022.<span class=\"__14 _1ce\"> </span>Maximal exponering f<span class=\"__14 _b_13\"/>\u00f6r kreditrisk 31 dec 2022<span class=\"__14 _1077\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1078\"> </span><span class=\"ls13_11 ws39_5\">Not<span class=\"__14 _1ce\"> </span></span><span class=\"__14 _1ce\">Upplupet anskaff-<span class=\"__14 _1ce\"> </span></span>ningsv\u00e4rde och V<span class=\"__14 _b_13\"/>erkligt v\u00e4rde via \u00f6vrigt totalre<span class=\"__14 _1058\"/>sultat Finansiella tillg\u00e5ngar v\u00e4rderade till v<span class=\"__14 _1058\"/>erk-<span class=\"__14 _1ce\"> </span>ligt v\u00e4rde via resul<span class=\"__14 _1058\"/>-<span class=\"__14 _1ce\"> </span>tatr\u00e4kningen<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Upplupet anskaff-<span class=\"__14 _1ce\"> </span></span>ningsv\u00e4rde och V<span class=\"__14 _b_13\"/>erkligt v\u00e4rde via \u00f6vrigt totalre<span class=\"__14 _1058\"/>sultat Finansiella tillg\u00e5ngar v\u00e4rderade till v<span class=\"__14 _1058\"/>erk-<span class=\"__14 _1ce\"> </span>ligt v\u00e4rde via resul<span class=\"__14 _1058\"/>-<span class=\"__14 _1ce\"> </span>tatr\u00e4kningen<span class=\"__14 _1ce\"> </span>L\u00e5n till centr<span class=\"__14 _b_13\"/>albanker och kreditinstitut<span class=\"__14 _1079\"> </span>K3.7<span class=\"__14 _1080\"> </span>2 866<span class=\"__14 _1081\"> </span>2 621<span class=\"__14 _1082\"> </span>1 799<span class=\"__14 _1083\"> </span>596<span class=\"__14 _1ce\"> </span>L\u00e5n till allm\u00e4nheten<span class=\"__14 _1084\"> </span>K3.7<span class=\"__14 _1085\"> </span>276 760<span class=\"__14 _1086\"> </span>70 627<span class=\"__14 _2a_8\"> </span>272 07<span class=\"__14 _1072\"/>7<span class=\"__14 _2b_8\"> </span><span class=\"ls14_11 ws3a_5\">75 176<span class=\"__14 _1ce\"> </span></span>R\u00e4nteb\u00e4r<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ande v\u00e4rdepapper1 </span><span class=\"__14 _2c_8\"> </span>K3.8, K3.9<span class=\"__14 _1083\"> </span>36 158<span class=\"__14 _2b_8\"> </span>32 271<span class=\"__14 _1086\"> </span>37 4<span class=\"__14 _1072\"/>35<span class=\"__14 _2b_8\"> </span>27 631<span class=\"__14 _1ce\"> </span>Derivatinstrumen<span class=\"__14 _b_13\"/>t<span class=\"__14 _2d_8\"> </span>K3.<span class=\"__14 _b_13\"/>12<span class=\"__14 _2e_8\"> </span>\u2013<span class=\"__14 _1086\"> </span>36 578<span class=\"__14 _2f_8\"> </span>\u2013<span class=\"__14 _1087\"> </span>30 200<span class=\"__14 _1ce\"> </span>Garantier<span class=\"__14 _b_13\"/>/\u00e5<span class=\"__14 _b_13\"/>taganden, nominellt v\u00e4rde<span class=\"__14 _2a_8\"> </span>K7<span class=\"__14 _b_13\"/>.<span class=\"__14 _b_13\"/>1, K7<span class=\"__14 _b_13\"/>.2<span class=\"__14 _1088\"> </span>107 261<span class=\"__14 _1089\"> </span>228<span class=\"__14 _1090\"> </span>107 815<span class=\"__14 _1083\"> </span>366<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1091\"> </span>423 045<span class=\"__14 _2a_8\"> </span>142 325<span class=\"__14 _1092\"> </span>419 126<span class=\"__14 _1093\"> </span>133 969<span class=\"__14 _1ce\"> </span>1)  Inklusive Pan<span class=\"__14 _1058\"/>tsatta \ufb01nansiella instrumen<span class=\"__14 _1058\"/>t.<span class=\"__14 _1ce\"> </span>F\u00f6r<span class=\"__14 _b_13\"/>delning av s\u00e4kerheter<span class=\"__14 _1ce\"> </span>31 dec 2022<span class=\"__14 _1094\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span>Finansiella s\u00e4kerheter<span class=\"__14 _1095\"> </span>0,6 %<span class=\"__14 _1096\"> </span>0,7 %<span class=\"__14 _1ce\"> </span>Fordringar<span class=\"__14 _3a_9\"> </span>0,9 %<span class=\"__14 _3b_8\"> </span>0,8 %<span class=\"__14 _1ce\"> </span>Bostadsfas<span class=\"__14 _b_13\"/>tigheter<span class=\"__14 _3c_8\"> </span>75,5 %<span class=\"__14 _3d_8\"> </span>75,2 %<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Aff</span><span class=\"__14 _b_13\"/>\u00e4r<span class=\"__14 _1072\"/>sfastigheter<span class=\"__14 _3e_8\"> </span>17<span class=\"__14 _b_13\"/>,5 %<span class=\"__14 _3f_8\"> </span><span class=\"ls15_11 ws3b_5\">1<span class=\"__14 _1072\"/>7,<span class=\"__14 _1072\"/>7<span class=\"__14 _1066\"/> %<span class=\"__14 _1ce\"> </span></span>\u00d6vriga fysiska s\u00e4kerheter<span class=\"__14 _1097\"> </span>5,5 %<span class=\"__14 _1098\"> </span>5,6 %<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1099\"> </span>100,0 %<span class=\"__14 _1100\"> </span>100,0 %<span class=\"__14 _1ce\"> </span>Reserver f<span class=\"__14 _b_13\"/>\u00f6r kreditrisk<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1077\"> </span><span class=\"ls13_11 ws39_5\">Not<span class=\"__14 _1074\"> </span></span>31 dec 2022<span class=\"__14 _c_13\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span>L\u00e5n till centr<span class=\"__14 _b_13\"/>albanker och kreditinstitut<span class=\"__14 _e_13\"> </span>K3.7<span class=\"__14 _1101\"> </span>29<span class=\"__14 _1102\"> </span>3<span class=\"__14 _1ce\"> </span>L\u00e5n till allm\u00e4nheten<span class=\"__14 _1103\"> </span>K3.7<span class=\"__14 _1104\"> </span>1 644<span class=\"__14 _1096\"> </span>2 203<span class=\"__14 _1ce\"> </span>R\u00e4nteb\u00e4r<span class=\"__14 _1058\"/>ande v\u00e4rdepapper v\u00e4r<span class=\"__14 _b_13\"/>derade<span class=\"__14 _1ce\"> </span> till verkligt v\u00e4rde \u00f6<span class=\"__14 _b_13\"/>ver \u00f6vrigt totalresul-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">tat eller upplupet anskaff</span><span class=\"__14 _b_13\"/>ningsv\u00e4rde<span class=\"__14 _1063\"> </span>K3.8<span class=\"__14 _1105\"> </span>3<span class=\"__14 _1106\"> </span>15<span class=\"__14 _1ce\"> </span>Garantier<span class=\"__14 _b_13\"/>/\u00e5<span class=\"__14 _b_13\"/>taganden<span class=\"__14 _4a_6\"> </span>K6<span class=\"__14 _4b_6\"> </span>184<span class=\"__14 _4c_6\"> </span>183<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _4d_6\"> </span>1 860<span class=\"__14 _4e_6\"> </span>2 404<span class=\"__14 _1ce\"> </span>2.4 <span class=\"__14 _b_13\"/>Tillg\u00e5ngar \u00f6vertagna f\u00f6r skyddande a<span class=\"__14 _b_13\"/>v fordr<span class=\"__14 _b_13\"/>an<span class=\"__14 _1ce\"> </span>T<span class=\"__14 _1c_10\"/>abellen nedan visar \u00f6vertagna tillg\u00e5ngar per tillg\u00e5ngsslag.<span class=\"__14 _1ce\"> </span> Mark och byggnader utgjor<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">de 100 procent a</span><span class=\"__14 _b_13\"/>v de \u00f6vertagna<span class=\"__14 _1ce\"> </span> tillg\u00e5ngarna i slutet a<span class=\"__14 _b_13\"/>v december 2022. Under 2022 minskade<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">de \u00f6vertagna tillg\u00e5ngarna med 71 procen</span><span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>.<span class=\"__14 _1ce\"> </span> Tillg\u00e5ngar \u00f6vertagna f<span class=\"__14 _b_13\"/>\u00f6r skyddande av f<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ordran1<span class=\"__14 _1ce\"> </span></span>Mn euro<span class=\"__14 _4f_6\"> </span>31 dec 2022<span class=\"__14 _1094\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span>Oms\u00e4ttningstillg\u00e5ngar<span class=\"__14 _b_13\"/>, redovisat v<span class=\"__14 _b_13\"/>\u00e4rde:<span class=\"__14 _1ce\"> </span>Mark och byggnader<span class=\"__14 _1107\"> </span>2<span class=\"__14 _1102\"> </span>2<span class=\"__14 _1ce\"> </span>Aktier och \u00f6vriga andelar<span class=\"__14 _1108\"> </span>0<span class=\"__14 _1109\"> </span>4<span class=\"__14 _1ce\"> </span>\u00d6vriga tillg\u00e5ngar<span class=\"__14 _1110\"> </span>0<span class=\"__14 _1111\"> </span>1<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1112\"> </span>2<span class=\"__14 _1102\"> </span>7<span class=\"__14 _1ce\"> </span>1)   <span class=\"__14 _1069\"/>I enlighet med Nordeas riktlinjer f<span class=\"__14 _b_13\"/>\u00f6r egendom \u00f6vertagen f\u00f6r skyddande av f<span class=\"__14 _b_13\"/>ordran,<span class=\"__14 _1ce\"> </span> som f\u00f6ljer bankr\u00f6r<span class=\"__14 _1058\"/>elselagen i de l\u00e4nder d\u00e4r Nordea verkar<span class=\"__14 _b_13\"/>. Tillg\u00e5ngar som anv<span class=\"__14 _b_13\"/>\u00e4nds<span class=\"__14 _1ce\"> </span> som s\u00e4kerhet f\u00f6r l\u00e5net \u00f6<span class=\"__14 _1058\"/>vertas normalt n\u00e4r kunden int<span class=\"__14 _1058\"/>e l\u00e4ngre kan fullg\u00f6ra sina skyl-<span class=\"__14 _1ce\"> </span>digheter gentemot Nor<span class=\"__14 _b_13\"/>dea. \u00d6vertagna tillg\u00e5ngar avyttras senast n\u00e4r full \u00e5t<span class=\"__14 _1058\"/>ervinning<span class=\"__14 _1ce\"> </span> har uppn\u00e5tts.<span class=\"__14 _1ce\"> </span>2.5 Bel\u00e5ningsgrad<span class=\"__14 _1ce\"> </span>Bel\u00e5ningsgraden anses v<span class=\"__14 _b_13\"/>ara ett bra m\u00e5tt f<span class=\"__14 _1058\"/>\u00f6r att bed\u00f6ma<span class=\"__14 _1ce\"> </span> s\u00e4kerhetens kvalit<span class=\"__14 _b_13\"/>et<span class=\"__14 _1072\"/>. Den ber\u00e4knas genom att dividera kredit-<span class=\"__14 _1ce\"> </span>exponeringen med s\u00e4kerhet<span class=\"__14 _b_13\"/>ens marknadsv\u00e4rde. <span class=\"__14 _b_13\"/>T<span class=\"__14 _b_13\"/>abellen<span class=\"__14 _1ce\"> </span> visar hypoteks<span class=\"__14 _1058\"/>exponeringar som om<span class=\"__14 _b_13\"/>fattas a<span class=\"__14 _b_13\"/>v IRK-modell<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>,<span class=\"__14 _1ce\"> </span> f\u00f6r<span class=\"__14 _1058\"/>delade p\u00e5 olika intervall a<span class=\"__14 _b_13\"/>v bel\u00e5ningsgrad.<span class=\"__14 _1ce\"> </span>Bel\u00e5ningsgrad<span class=\"__14 _1ce\"> </span>31 dec 2022<span class=\"__14 _1113\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span>Bol\u00e5neexponering mot priv<span class=\"__14 _1058\"/>atkunder<span class=\"__14 _1ce\"> </span> (retailportf\u00f6ljen)<span class=\"__14 _1114\"> </span>Md euro<span class=\"__14 _1115\"> </span>%<span class=\"__14 _e_13\"> </span>Md euro<span class=\"__14 _1115\"> </span>%<span class=\"__14 _1ce\"> </span>&lt;50 %<span class=\"__14 _1116\"> </span>128,7<span class=\"__14 _5a_6\"> </span>84<span class=\"__14 _5b_6\"> </span>130,9<span class=\"__14 _4e_6\"> </span>83<span class=\"__14 _1ce\"> </span>50\u201370 %<span class=\"__14 _5c_6\"> </span>18,5<span class=\"__14 _1096\"> </span>12<span class=\"__14 _5d_6\"> </span>20,7<span class=\"__14 _1098\"> </span>13<span class=\"__14 _1ce\"> </span>70\u201380 %<span class=\"__14 _5e_6\"> </span><span class=\"ls16_11 ws3c_5\">3,7<span class=\"__14 _5f_6\"> </span></span>2<span class=\"__14 _1117\"> </span>4,0<span class=\"__14 _1118\"> </span>3<span class=\"__14 _1ce\"> </span>80\u201390 %<span class=\"__14 _1116\"> </span><span class=\"ls17_11 ws3d_5\">1,1<span class=\"__14 _1113\"> </span></span>1<span class=\"__14 _1119\"> </span><span class=\"ls17_11 ws3d_5\">1<span class=\"__14 _1072\"/>,1<span class=\"__14 _1113\"> </span></span>1<span class=\"__14 _1ce\"> </span>&gt;90 %<span class=\"__14 _3c_8\"> </span>0,9<span class=\"__14 _1120\"> </span>1<span class=\"__14 _1117\"> </span>0,8<span class=\"__14 _1121\"> </span>0<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1122\"> </span>152,9<span class=\"__14 _1123\"> </span>100<span class=\"__14 _1124\"> </span>157<span class=\"__14 _b_13\"/>,5<span class=\"__14 _1123\"> </span>100<span class=\"__14 _1ce\"> </span>2.6 Individuell och modellbaserad<span class=\"__14 _1ce\"> </span> pr\u00f6vning a<span class=\"__14 _b_13\"/>v nedskrivningsbehov<span class=\"__14 _1ce\"> </span>Nedskrivningskra<span class=\"__14 _b_13\"/>ven anges i IFRS 9 och baseras p\u00e5 en<span class=\"__14 _1ce\"> </span> modell f\u00f6r f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>v\u00e4nt<span class=\"__14 _b_13\"/>ade kreditf\u00f6rluster<span class=\"__14 _1c_10\"/>, se \u00e4ven no<span class=\"__14 _1058\"/>t K3.7 \u201dUtl\u00e5<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>ning\u201d<span class=\"__14 _1c_10\"/>.<span class=\"__14 _1ce\"> </span>I samband med individuella och modellbaserade res<span class=\"__14 _1058\"/>erve-<span class=\"__14 _1ce\"> </span>ringar anv\u00e4nds tr<span class=\"__14 _1058\"/>e fram\u00e5<span class=\"__14 _b_13\"/>tblickande och viktade scenarier<span class=\"__14 _b_13\"/>. <span class=\"__14 _b_13\"/>Till-<span class=\"__14 _1ce\"> </span>g\u00e5ngar vars nedskrivningsbehov ska pr\u00f6<span class=\"__14 _b_13\"/>vas delas in i tre<span class=\"__14 _1ce\"> </span> kategorier<span class=\"__14 _1c_10\"/>, beroende p\u00e5 graden av kr<span class=\"__14 _1058\"/>editf\u00f6rs\u00e4mring. Ka<span class=\"__14 _b_13\"/>tegori<span class=\"__14 _1ce\"> </span> 1 omf<span class=\"__14 _b_13\"/>attar tillg\u00e5ngar utan n\u00e5gon v\u00e4sentlig \u00f6kning a<span class=\"__14 _b_13\"/>v kredit-<span class=\"__14 _1ce\"> </span>risken, kategori 2 om<span class=\"__14 _b_13\"/>fattar tillg\u00e5ngar med en v<span class=\"__14 _1058\"/>\u00e4sentlig \u00f6kning<span class=\"__14 _1ce\"> </span> av kr<span class=\"__14 _b_13\"/>editrisken och kategori 3 omf<span class=\"__14 _b_13\"/>attar fallerade tillg\u00e5ngar<span class=\"__14 _1ce\"> </span> (omf<span class=\"__14 _b_13\"/>attas av nedskrivning). <span class=\"__14 _b_13\"/>Alla tillg\u00e5ngar kategoriseras indi-<span class=\"__14 _1ce\"> </span>viduellt. F\u00f6r betydande tillg\u00e5ngar i ka<span class=\"__14 _b_13\"/>tegori 3 bed\u00f6ms ned-<span class=\"__14 _1ce\"> </span>skrivningsbehovet individuellt. F<span class=\"__14 _1058\"/>\u00f6r tillg\u00e5ngar i kategori 1 och<span class=\"__14 _1ce\"> </span> kategori 2, och f<span class=\"__14 _b_13\"/>\u00f6r tillg\u00e5ngar av obetydligt v\u00e4r<span class=\"__14 _b_13\"/>de i kategori 3,<span class=\"__14 _1ce\"> </span> g\u00f6rs modellbaserade bed\u00f6mningar<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>Nordea granskar k<span class=\"__14 _1058\"/>ontinuerligt kreditportf<span class=\"__14 _b_13\"/>\u00f6ljens kvalitet i<span class=\"__14 _1ce\"> </span> syfte att identi\ufb01er<span class=\"__14 _b_13\"/>a och begr\u00e4nsa nedskrivningsbehovet.<span class=\"__14 _1ce\"> </span> For<span class=\"__14 _1058\"/>dringar med h\u00f6g eller \u00f6kad risk och for<span class=\"__14 _b_13\"/>dringar som omfat-<span class=\"__14 _1ce\"> </span>tas av nedskrivning \u00f6<span class=\"__14 _b_13\"/>vervakas noga och granskas minst en<span class=\"__14 _1ce\"> </span> g\u00e5ng per kvartal med avs<span class=\"__14 _1058\"/>eende p\u00e5 aktuell \ufb01nansiell s<span class=\"__14 _1058\"/>t\u00e4llning,<span class=\"__14 _1ce\"> </span> fram<span class=\"__14 _b_13\"/>tidsutsikter<span class=\"__14 _b_13\"/>, fram<span class=\"__14 _b_13\"/>tida \u00e5terbetalningsf\u00f6rm\u00e5ga sam<span class=\"__14 _b_13\"/>t even-<span class=\"__14 _1ce\"> </span>tuellt behov a<span class=\"__14 _b_13\"/>v individuella reserveringar<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>Speci\ufb01ka kreditriskjust<span class=\"__14 _1058\"/>eringar omf<span class=\"__14 _b_13\"/>attar individuella och<span class=\"__14 _1ce\"> </span> modellbaserade res<span class=\"__14 _1058\"/>erveringar<span class=\"__14 _b_13\"/>. Dessa justeringar redovisas<span class=\"__14 _1ce\"> </span> som kreditf<span class=\"__14 _b_13\"/>\u00f6rluster i resulta<span class=\"__14 _1058\"/>tr\u00e4kningen och som a<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span> och reserveringar i balansr\u00e4kningen. Individuella r<span class=\"__14 _b_13\"/>eser<span class=\"__14 _1072\"/>ve-<span class=\"__14 _1ce\"> </span>ringar leder till att l\u00e5nen redo<span class=\"__14 _1058\"/>visas som faller<span class=\"__14 _b_13\"/>ade tillg\u00e5ngar.<span class=\"__14 _1ce\"> </span>Individuella reserveringar<span class=\"__14 _1ce\"> </span>Individuella reserveringar g\u00f6rs om det enligt kredith\u00e4ndelser<span class=\"__14 _1ce\"> </span> \u00e4r troligt att k<span class=\"__14 _1058\"/>undens fram<span class=\"__14 _b_13\"/>tida kassafl\u00f6de p\u00e5verkas nega<span class=\"__14 _b_13\"/>tivt i<span class=\"__14 _1ce\"> </span> s\u00e5dan utstr\u00e4ckning a<span class=\"__14 _b_13\"/>tt full \u00e5terbetalning (med s\u00e4kerheter<span class=\"__14 _1ce\"> </span> inr\u00e4knade) in<span class=\"__14 _b_13\"/>te l\u00e4ngre \u00e4r sannolik.<span class=\"__14 _1ce\"> </span>For<span class=\"__14 _1058\"/>dringar med individuella reserveringar omf<span class=\"__14 _b_13\"/>attas av ned-<span class=\"__14 _1ce\"> </span>skrivningar och h\u00f6r till kategori 3 (f<span class=\"__14 _b_13\"/>allerade). Reserveringens<span class=\"__14 _1ce\"> </span> storlek mo<span class=\"__14 _1058\"/>tsvarar den f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>v\u00e4n<span class=\"__14 _1058\"/>tade f\u00f6rl<span class=\"__14 _1058\"/>usten, det vill s\u00e4ga skill-<span class=\"__14 _1ce\"> </span>naden mellan det redovisade v<span class=\"__14 _1058\"/>\u00e4rdet a<span class=\"__14 _b_13\"/>v den utest\u00e5ende for-<span class=\"__14 _1ce\"> </span>dran och det diskon<span class=\"__14 _b_13\"/>terade v\u00e4rdet a<span class=\"__14 _b_13\"/>v f\u00f6rv\u00e4ntade f<span class=\"__14 _1058\"/>ram<span class=\"__14 _1058\"/>tida kas-<span class=\"__14 _1ce\"> </span>safl\u00f6den, inklusive v<span class=\"__14 _b_13\"/>\u00e4rdet av pantsa<span class=\"__14 _b_13\"/>tt egendom.<span class=\"__14 _1ce\"> </span>Modellbaserade reserveringar<span class=\"__14 _1ce\"> </span>Modellbaserade res<span class=\"__14 _1058\"/>erveringar g\u00f6rs kvartalsvis och bed\u00f6ms<span class=\"__14 _1ce\"> </span> f\u00f6r v<span class=\"__14 _b_13\"/>arje bolag/<span class=\"__14 _1072\"/>\ufb01lial. En viktig fak<span class=\"__14 _b_13\"/>tor som p\u00e5verk<span class=\"__14 _1058\"/>ar reserve-<span class=\"__14 _1ce\"> </span>ringar \u00e4r tr\u00f6skel<span class=\"__14 _1058\"/>v\u00e4rdet f<span class=\"__14 _b_13\"/>\u00f6r \u00f6verf\u00f6ring a<span class=\"__14 _b_13\"/>v tillg\u00e5ngar fr\u00e5n kate-<span class=\"__14 _1ce\"> </span>gori 1 till kategori 2. F<span class=\"__14 _b_13\"/>\u00f6r tillg\u00e5ngar som redovisats fr<span class=\"__14 _b_13\"/>\u00e5n 1 janu-<span class=\"__14 _1ce\"> </span>ari 2018 anv\u00e4nds f<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar i sannolikheten f\u00f6r f<span class=\"__14 _b_13\"/>allisse-<span class=\"__14 _1ce\"> </span>mang (PD) f<span class=\"__14 _b_13\"/>\u00f6r den \u00e5terst\u00e5ende l\u00f6ptiden som den utl\u00f6sande<span class=\"__14 _1ce\"> </span> fak<span class=\"__14 _b_13\"/>torn. Dessutom \u00f6verf\u00f6rs ocks\u00e5 k<span class=\"__14 _1058\"/>under som omf<span class=\"__14 _b_13\"/>attas av<span class=\"__14 _1ce\"> </span> f\u00f6rmildr<span class=\"__14 _b_13\"/>ande kreditvillkor och kunder som \u00e4r mer \u00e4n 30 dagar<span class=\"__14 _1ce\"> </span> sena med sina betalningar till kategori 2. I k<span class=\"__14 _1058\"/>ategori 1 mo<span class=\"__14 _1058\"/>tsva-<span class=\"__14 _1ce\"> </span>rar reserveringarna f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>v\u00e4n<span class=\"__14 _1058\"/>tade kreditf<span class=\"__14 _b_13\"/>\u00f6rluster under kom-<span class=\"__14 _1ce\"> </span>mande 12 m\u00e5nader<span class=\"__14 _b_13\"/>. I kategori 2 och 3 motsv<span class=\"__14 _b_13\"/>arar reservering-<span class=\"__14 _1ce\"> </span>arna f\u00f6rv\u00e4n<span class=\"__14 _b_13\"/>tade kreditf\u00f6rlust<span class=\"__14 _b_13\"/>er under hela den \u00e5terst\u00e5ende<span class=\"__14 _1ce\"> </span> l\u00f6ptiden. Resul<span class=\"__14 _b_13\"/>tatet kompletteras med en e<span class=\"__14 _b_13\"/>xper<span class=\"__14 _1072\"/>tanalys f<span class=\"__14 _b_13\"/>\u00f6r att<span class=\"__14 _1ce\"> </span> s\u00e4kerst\u00e4lla tillr\u00e4cklig r<span class=\"__14 _b_13\"/>eser<span class=\"__14 _1072\"/>vering. F<span class=\"__14 _b_13\"/>allerade kunder utan indi-<span class=\"__14 _1ce\"> </span>viduella reserveringar omf<span class=\"__14 _b_13\"/>attas av modellbaser<span class=\"__14 _b_13\"/>ade reserve-<span class=\"__14 _1ce\"> </span>ringar<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>Fallissemang<span class=\"__14 _1ce\"> </span>F\u00f6r k<span class=\"__14 _b_13\"/>under som har f\u00f6rfallna f<span class=\"__14 _1058\"/>ordringar sedan mer \u00e4n<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">90 dagar eller som \u00e4r f\u00f6r</span><span class=\"__14 _b_13\"/>em\u00e5l f\u00f6r konkurs, eller a<span class=\"__14 _b_13\"/>v andra sk\u00e4l<span class=\"__14 _1ce\"> </span> sannolikt in<span class=\"__14 _b_13\"/>te kan betala, betraktas f<span class=\"__14 _b_13\"/>ordringarna som falle-<span class=\"__14 _1ce\"> </span><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:617.0269px;\">rade och n\u00f6dlidande. F<span class=\"__14 _b_13\"/>ordringarna kan avse an<span class=\"__14 _1058\"/>tingen l\u00e5n d\u00e4r<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:603.5018px;\">kunderna f<span class=\"__14 _b_13\"/>or<span class=\"__14 _1072\"/>tfarande betalar (r<span class=\"__14 _b_13\"/>eglerade) eller l\u00e5n d\u00e4r kun-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:589.97656px;\">derna ej betalar (oregler<span class=\"__14 _b_13\"/>ade).<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:12.908623px; bottom:576.45135px;\">Om en kund \u00e5terh\u00e4m<span class=\"__14 _b_13\"/>tar sig fr\u00e5n f<span class=\"__14 _1058\"/>allissemang anses kun-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:562.92615px;\">den vara \u00e5<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">terst\u00e4lld. Det h\u00e4r intr\u00e4ff</span><span class=\"__14 _b_13\"/>ar om kunden lyckas skapa<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:549.40094px;\">balans i sina \ufb01nanser<span class=\"__14 _b_13\"/>. F\u00f6r att ans<span class=\"__14 _1058\"/>es vara \u00e5<span class=\"__14 _b_13\"/>terst\u00e4lld ska \u00e5ter-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:535.87573px;\">h\u00e4mtningen om<span class=\"__14 _b_13\"/>fatta kundens sam<span class=\"__14 _b_13\"/>tliga skulder<span class=\"__14 _b_13\"/>. Det ska ocks\u00e5<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:522.3505px;\">\ufb01nnas en tillfredss<span class=\"__14 _1058\"/>t\u00e4llande \u00e5terbetalningsplan och en bed\u00f6m-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:508.82532px;\">ning som s\u00e4ger att \u00e5t<span class=\"__14 _b_13\"/>erh\u00e4mtningen har inletts.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h8_13 ff2_14 fs5_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:481.73596px;\">2.7 F<span class=\"__14 _b_13\"/>\u00f6rmildrande kreditvillkor<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:468.20685px;\">F\u00f6rmildr<span class=\"__14 _b_13\"/>ande kreditvillkor inneb\u00e4r l\u00e4ttnader eller omstruk<span class=\"__14 _b_13\"/>tu-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:454.68164px;\">rering a<span class=\"__14 _b_13\"/>v kreditvillkoren till f\u00f6ljd a<span class=\"__14 _b_13\"/>v att l\u00e5ntagaren har eller \u00e4r<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:441.15643px;\">p\u00e5 v\u00e4g att f<span class=\"__14 _b_13\"/>\u00e5 ekonomiska sv\u00e5righeter<span class=\"__14 _b_13\"/>. A<span class=\"__14 _1c_10\"/>vsikten med f\u00f6rmild-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:427.63123px;\">rande kreditvillkor under en begr<span class=\"__14 _b_13\"/>\u00e4nsad tidsperiod \u00e4r att<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:414.10602px;\">s\u00e4kerst\u00e4lla full \u00e5<span class=\"__14 _b_13\"/>terbetalning av det utes<span class=\"__14 _1058\"/>t\u00e5ende l\u00e5nebeloppet.<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:400.58087px;\">Exempel p\u00e5 l\u00e4<span class=\"__14 _1058\"/>ttnader i villkoren \u00e4r f<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar i amorte-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:387.05566px;\">ringspro\ufb01l, \u00e5terbetalningsplan, k<span class=\"__14 _b_13\"/>undmarginal eller l\u00e4ttnader<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:373.53046px;\">g\u00e4llande kovenan<span class=\"__14 _b_13\"/>ter<span class=\"__14 _b_13\"/>. F\u00f6rmildrande kreditvillk<span class=\"__14 _b_13\"/>or till\u00e4mpas p\u00e5<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:360.00525px;\">individuell basis och kompletteras med pr<span class=\"__14 _b_13\"/>\u00f6vning av nedskriv-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:346.48004px;\">ningsbehovet (f<span class=\"__14 _b_13\"/>\u00f6retagskunder) d\u00e5 f\u00f6rmildr<span class=\"__14 _b_13\"/>ande kreditvillkor<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:332.95483px;\">ses som en kredith\u00e4ndelse. <span class=\"__14 _b_13\"/>A<span class=\"__14 _1058\"/>vs\u00e4ttningar f<span class=\"__14 _1058\"/>\u00f6r individuella kre-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:319.42963px;\">ditf\u00f6rlus<span class=\"__14 _b_13\"/>ter g\u00f6rs vid behov<span class=\"__14 _b_13\"/>. F\u00f6rmildrande kreditvillkor god-<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:305.90442px;\">k\u00e4nns enligt g\u00e4llande befogenhet<span class=\"__14 _b_13\"/>er och dessa l\u00e5n kan vara<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 h6_13 ff2_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:292.37927px;\">antingen regler<span class=\"__14 _b_13\"/>ade eller oreglerade.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 h5_13 ff1_14 fs3_13 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:0.013267517px; bottom:265.8482px;\">L\u00e5n med f\u00f6rmildr<span class=\"__14 _b_13\"/>ande kreditvillkor<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hc_13 ff1_14 fs7_13 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:249.26538px;\">Mn euro<span class=\"__14 _4f_6\"> </span>31 dec 2022<span class=\"__14 _1094\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:232.12231px;\">L\u00e5n med f\u00f6rmildr<span class=\"__14 _b_13\"/>ande kreditvillkor<span class=\"__14 _1125\"> </span>2 064<span class=\"__14 _1096\"> </span>3 270<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:214.9779px;\">- vara<span class=\"__14 _b_13\"/>v fallerade<span class=\"__14 _1126\"> </span>903<span class=\"__14 _1096\"> </span>1 905<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:197.8335px;\">Reserver f<span class=\"__14 _1058\"/>\u00f6r individuellt v\u00e4rder<span class=\"__14 _b_13\"/>ade os\u00e4kra<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:186.78607px;\">l\u00e5nefordringar och l\u00e5n med f<span class=\"__14 _b_13\"/>\u00f6rmildrande<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:175.73871px;\">kreditvillkor<span class=\"__14 _1078\"> </span>360<span class=\"__14 _6a_6\"> </span><span class=\"ls18_10 ws3e_5\">497<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:158.5943px;\">- vara<span class=\"__14 _b_13\"/>v fallerade<span class=\"__14 _6b_6\"> </span>336<span class=\"__14 _1113\"> </span>448<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 he_13 ff4_13 fs0_14 fc1_13 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:114.56796px;\">Nyckeltal<span class=\"__14 _1126\"> </span><span class=\"ff1_14 fs7_13\">31 dec 2022<span class=\"__14 _1094\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:97.424866px;\">Andel l\u00e5n med f\u00f6rmildrande kr<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">editvillkor1</span><span class=\"__14 _6c_6\"> </span>0,7 %<span class=\"__14 _3b_8\"> </span>0,9 %<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:80.28049px;\">T<span class=\"__14 _b_13\"/>\u00e4ckningsgrad f\u00f6r l\u00e5n med f<span class=\"__14 _b_13\"/>\u00f6rmildrande<span class=\"__14 _1ce\"> </span> </div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:69.23306px;\"><span class=\"__14 _1ce\">kreditvillkor2</span><span class=\"__14 _6d_6\"> </span><span class=\"ls14_11 ws3a_5\">17 %<span class=\"__14 _1121\"> </span></span>15 %<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hd_13 ff2_14 fs0_14 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:52.088684px;\">- vara<span class=\"__14 _b_13\"/>v fallerade<span class=\"__14 _6e_6\"> </span>37 %<span class=\"__14 _1115\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1072\"/> %<span class=\"__14 _1ce\"> </span></span></div><div class=\"t_14 m0_14 hf_13 ff2_14 fs8_12 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:30.95639px;\">1)   <span class=\"__14 _1069\"/>L\u00e5n med f\u00f6rmildrande kr<span class=\"__14 _b_13\"/>editvillkor/L\u00e5n v\u00e4rderade till upplupet ansk<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">affningsv\u00e4rde<span class=\"__14 _1ce\"> </span></span> </div><div class=\"t_14 m0_14 hf_13 ff2_14 fs8_12 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:15.124992px; bottom:22.119507px;\">f\u00f6re res<span class=\"__14 _1058\"/>erveringar<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span></div><div class=\"t_14 m0_14 hf_13 ff2_14 fs8_12 fc2_12 sc0_14 ls0_14 ws0_14\" style=\"left:4.2144775px; bottom:10.515442px;\">2)   <span class=\"__14 _1069\"/>Individuella reserver f\u00f6r l\u00e5n med f<span class=\"__14 _b_13\"/>\u00f6rmildrande kreditvillkor/L\u00e5n med f<span class=\"__14 _b_13\"/>\u00f6rmildrande </div><div class=\"t_14 m0_14 hf_13 ff2_14 fs8_12 fc2_12 sc0_14 ls0_14 ws3f_5\" style=\"left:15.124992px; bottom:1.6785889px;\"> kreditvillkor<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span></div>2.8 K\u00e4nsligheter<span class=\"__14 _1ce\"> </span>En viktig f<span class=\"__14 _b_13\"/>aktor vid ber\u00e4kningen a<span class=\"__14 _b_13\"/>v f\u00f6rv\u00e4ntade kr<span class=\"__14 _1058\"/>editf\u00f6rlus<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1ce\"> </span> i enlighet med IFRS 9 \u00e4r att bed\u00f6ma vad som ut<span class=\"__14 _b_13\"/>g\u00f6r en bety-<span class=\"__14 _1ce\"> </span>dande \u00f6kning av kr<span class=\"__14 _b_13\"/>editrisken. F\u00f6r att f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>st\u00e5 k\u00e4nsligheten f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1ce\"> </span> dessa tr\u00f6skel<span class=\"__14 _b_13\"/>v\u00e4rden har Nordea med hj\u00e4lp av modeller ber<span class=\"__14 _b_13\"/>\u00e4k-<span class=\"__14 _1ce\"> </span>nat a<span class=\"__14 _b_13\"/>vs\u00e4ttningar utifr\u00e5n tv\u00e5 olika sc<span class=\"__14 _b_13\"/>enarier:<span class=\"__14 _1ce\"> </span>T<span class=\"__14 _b_13\"/>r\u00f6skel<span class=\"__14 _6f_6\"> </span>Scenario 1<span class=\"__14 _1127\"> </span>Scenario 2<span class=\"__14 _1ce\"> </span>Privatkundsportf\u00f6ljer<span class=\"__14 _1ce\"> </span>Relativt tr\u00f6sk<span class=\"__14 _b_13\"/>elv\u00e4rde<span class=\"__14 _1128\"> </span>100 %<span class=\"__14 _1129\"> </span>50 %<span class=\"__14 _1130\"> </span>150 %<span class=\"__14 _1ce\"> </span>Absolut tr\u00f6skel<span class=\"__14 _b_13\"/>v\u00e4rde,  12 m\u00e5nader<span class=\"__14 _2f_8\"> </span>45 punk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1131\"> </span>35 punkter<span class=\"__14 _1124\"> </span>55 punk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1ce\"> </span>Absolut tr\u00f6skel<span class=\"__14 _b_13\"/>v\u00e4rde,<span class=\"__14 _1ce\"> </span> \u00e5terst\u00e5ende l\u00f6p<span class=\"__14 _1058\"/>tid<span class=\"__14 _1132\"> </span>300 punkter<span class=\"__14 _1094\"> </span>250 punkter<span class=\"__14 _1133\"> </span>350 punkter<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Steg1</span><span class=\"__14 _1134\"> </span><span class=\"ls16_11 ws3c_5\">1\u20136<span class=\"__14 _1135\"> </span></span>1 mindre<span class=\"__14 _1136\"> </span>1 mer<span class=\"__14 _1ce\"> </span>\u00d6vriga kundportf\u00f6ljer<span class=\"__14 _1ce\"> </span> Relativt tr\u00f6sk<span class=\"__14 _b_13\"/>elv\u00e4rde<span class=\"__14 _7a_6\"> </span>150 %<span class=\"__14 _7b_6\"> </span>100 %<span class=\"__14 _7c_6\"> </span>200 %<span class=\"__14 _1ce\"> </span>Absolut tr\u00f6skel<span class=\"__14 _b_13\"/>v\u00e4rde,  12 m\u00e5nader<span class=\"__14 _2f_8\"> </span>20 punk<span class=\"__14 _1058\"/>ter<span class=\"__14 _7d_7\"> </span>15 punkter<span class=\"__14 _1124\"> </span>25 punkt<span class=\"__14 _1058\"/>er<span class=\"__14 _1ce\"> </span>Absolut tr\u00f6skel<span class=\"__14 _b_13\"/>v\u00e4rde,<span class=\"__14 _1ce\"> </span> \u00e5terst\u00e5ende l\u00f6p<span class=\"__14 _1058\"/>tid<span class=\"__14 _7e_6\"> </span>400 punkter<span class=\"__14 _1094\"> </span>350 punkter<span class=\"__14 _7f_7\"> </span>450 punkter<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Steg1</span><span class=\"__14 _1134\"> </span><span class=\"ls16_11 ws3c_5\">1\u20136<span class=\"__14 _1135\"> </span></span>1 mindre<span class=\"__14 _1136\"> </span>1 mer<span class=\"__14 _1ce\"> </span>1)   <span class=\"__14 _1069\"/>F\u00f6r exponeringar s<span class=\"__14 _1058\"/>om redovisades f<span class=\"__14 _1058\"/>\u00f6rsta g\u00e5ngen f\u00f6re \u00f6<span class=\"__14 _b_13\"/>verg\u00e5ngen till IFRS 9 (1 jan<span class=\"__14 _1ce\"> </span> 2018) fastst<span class=\"__14 _1058\"/>\u00e4lls kategorin utifr<span class=\"__14 _1058\"/>\u00e5n f\u00f6r\u00e4ndringar i r<span class=\"__14 _1058\"/>atingklasserna. <span class=\"__14 _b_13\"/>Tr<span class=\"__14 _1058\"/>\u00f6skelv\u00e4r<span class=\"__14 _1058\"/>det i scena-<span class=\"__14 _1ce\"> </span>rio 1 s\u00e4tts till ett steg mindre \u00e4n den modell som f<span class=\"__14 _b_13\"/>aktiskt anv\u00e4nds och i sc<span class=\"__14 _1058\"/>enario 2 s\u00e4tts<span class=\"__14 _1ce\"> </span> tr\u00f6skelv\u00e4r<span class=\"__14 _b_13\"/>det till ett steg mer \u00e4n i modellen.<span class=\"__14 _1ce\"> </span> A<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">vs\u00e4ttningarna skulle ha \u00f6kat med 20 mn eur</span><span class=\"__14 _1058\"/>o (24 mn eur<span class=\"__14 _1058\"/>o) i<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">scenario 1 och minskat med 20 mn eur</span><span class=\"__14 _b_13\"/>o (22 mn euro) i scena-<span class=\"__14 _1ce\"> </span>rio 2. Mer inf<span class=\"__14 _b_13\"/>ormation om ratingskalan och genomsnittligt PD<span class=\"__14 _1ce\"> </span> (sannolikheten f\u00f6r f<span class=\"__14 _b_13\"/>allissemang) \ufb01nns i tabellerna \u201dRating-/<span class=\"__14 _1ce\"> </span>scoringinf<span class=\"__14 _b_13\"/>ormation f\u00f6r l\u00e5n v<span class=\"__14 _1058\"/>\u00e4rderade till upplupet ansk<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">aff-<span class=\"__14 _1ce\"> </span></span>ningsv\u00e4rde\u201d p\u00e5 sidan 21<span class=\"__14 _1058\"/>7<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningarna \u00e4r k\u00e4nsliga f\u00f6r r<span class=\"__14 _b_13\"/>atingf\u00f6r\u00e4ndringar \u00e4<span class=\"__14 _b_13\"/>ven om<span class=\"__14 _1ce\"> </span> tr\u00f6skel<span class=\"__14 _1058\"/>v\u00e4rdena in<span class=\"__14 _b_13\"/>te n\u00e5s. T<span class=\"__14 _1c_10\"/>abellen nedan visar hur a<span class=\"__14 _1058\"/>vs\u00e4ttning-<span class=\"__14 _1ce\"> </span>arna p\u00e5v<span class=\"__14 _b_13\"/>erkas om kreditkvaliteten f<span class=\"__14 _b_13\"/>\u00f6r all utl\u00e5ning i Nordea<span class=\"__14 _1ce\"> </span> f\u00f6rs\u00e4mras med ett s<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">teg. H\u00e4r beaktas b\u00e5de eff</span><span class=\"__14 _1058\"/>ekten a<span class=\"__14 _b_13\"/>v den<span class=\"__14 _1ce\"> </span> h\u00f6gre risken f<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">\u00f6r alla exponeringar och effek</span><span class=\"__14 _b_13\"/>ten av \u00f6v<span class=\"__14 _1058\"/>erf\u00f6-<span class=\"__14 _1ce\"> </span>ringen fr\u00e5n ka<span class=\"__14 _b_13\"/>tegori 1 till kategori 2 av de f<span class=\"__14 _b_13\"/>ordringar som n\u00e5tt<span class=\"__14 _1ce\"> </span> tr\u00f6skel<span class=\"__14 _1058\"/>v\u00e4rdet. Detta inkluderar \u00e4<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ven effek</span><span class=\"__14 _b_13\"/>ten av att f<span class=\"__14 _b_13\"/>ordringar<span class=\"__14 _1ce\"> </span> med rating ett s<span class=\"__14 _b_13\"/>teg \u00f6ver faller<span class=\"__14 _1058\"/>ade klassi\ufb01ceras som f<span class=\"__14 _b_13\"/>allerade,<span class=\"__14 _1ce\"> </span> vilket ber\u00e4knas till 118 mn euro (152 mn eur<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">o). Denna siffr</span><span class=\"__14 _b_13\"/>a<span class=\"__14 _1ce\"> </span> baseras p\u00e5 en ber\u00e4kning med den s<span class=\"__14 _b_13\"/>tatistiska modellen sna-<span class=\"__14 _1ce\"> </span>rare \u00e4n individuella es<span class=\"__14 _b_13\"/>timat som annars skulle vara f<span class=\"__14 _b_13\"/>allet f\u00f6r<span class=\"__14 _1ce\"> </span> betydande f<span class=\"__14 _1058\"/>allerade l\u00e5n.<span class=\"__14 _1ce\"> </span>K\u00e4nsligheter<span class=\"__14 _1ce\"> </span>31 dec 2022<span class=\"__14 _5c_6\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1137\"> </span>Redovisade reserver<span class=\"__14 _1ce\"> </span>Reserver med ett<span class=\"__14 _1ce\"> </span> stegs nedgradering<span class=\"__14 _1070\"> </span>Redovisade reserver<span class=\"__14 _1ce\"> </span>Reserver med ett<span class=\"__14 _1ce\"> </span> stegs nedgradering<span class=\"__14 _1ce\"> </span>Personal Banking<span class=\"__14 _1138\"> </span>387<span class=\"__14 _1139\"> </span>488<span class=\"__14 _1139\"> </span>409<span class=\"__14 _1140\"> </span>532<span class=\"__14 _1ce\"> </span>Business Banking<span class=\"__14 _1141\"> </span>1 036<span class=\"__14 _1142\"> </span>1 166<span class=\"__14 _1142\"> </span><span class=\"ls14_11 ws3a_5\">1 148<span class=\"__14 _1142\"> </span></span>1 265<span class=\"__14 _1ce\"> </span>Large Corpora<span class=\"__14 _b_13\"/>tes &amp; Institutions<span class=\"__14 _1143\"> </span>402<span class=\"__14 _1140\"> </span>441<span class=\"__14 _1140\"> </span>813<span class=\"__14 _1139\"> </span>846<span class=\"__14 _1ce\"> </span>\u00d6vrigt<span class=\"__14 _1144\"> </span>35<span class=\"__14 _1088\"> </span>46<span class=\"__14 _1088\"> </span>34<span class=\"__14 _1145\"> </span>75<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1146\"> </span>1 860<span class=\"__14 _1142\"> </span>2 141<span class=\"__14 _1086\"> </span>2 404<span class=\"__14 _2b_8\"> </span>2 718<span class=\"__14 _1ce\"> </span>2.9 Fr<span class=\"__14 _b_13\"/>am\u00e5tblickande informa<span class=\"__14 _b_13\"/>tion<span class=\"__14 _1ce\"> </span>Fr<span class=\"__14 _b_13\"/>am\u00e5tblickande informa<span class=\"__14 _b_13\"/>tion anv\u00e4nds b\u00e5de vid bed\u00f6mningen av bety<span class=\"__14 _b_13\"/>dande \u00f6kningar i kreditrisken och vid ber\u00e4kningen av f\u00f6rv\u00e4n<span class=\"__14 _b_13\"/>tade kreditf\u00f6rlust<span class=\"__14 _b_13\"/>er. Nor<span class=\"__14 _b_13\"/>dea anv\u00e4nder sig av tre makr<span class=\"__14 _b_13\"/>o<span class=\"__14 _1072\"/>-<span class=\"__14 _1ce\"> </span>ekonomiska scenerier: ett grundsc<span class=\"__14 _b_13\"/>enario, ett gynnsamt sce-<span class=\"__14 _1ce\"> </span>nario och ett negativt scenario<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">. F\u00f6r fj\u00e4r</span><span class=\"__14 _b_13\"/>de kvar<span class=\"__14 _1072\"/>talet 2022 ber\u00e4knades de slutligt f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>v\u00e4nt<span class=\"__14 _1058\"/>ade kreditf<span class=\"__14 _1058\"/>\u00f6rlusterna genom att vik<span class=\"__14 _1058\"/>ta scenarierna enligt f<span class=\"__14 _b_13\"/>\u00f6ljande: 50 procent grundscena<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>rio, 40 procen<span class=\"__14 _b_13\"/>t negativt och 10 procent gynnsam<span class=\"__14 _b_13\"/>t (sista <span class=\"__14 _1ce\">december 2021: 60 procen</span><span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">t grundscenario, 20 procen</span><span class=\"__14 _b_13\"/>t nega-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">tivt och 20 procen</span><span class=\"__14 _b_13\"/>t gynnsamt). Viktningen speglade de \u00f6kade riskerna i de makroekonomiska pr<span class=\"__14 _b_13\"/>ognoserna under \u00e5ret<span class=\"__14 _1072\"/>.<span class=\"__14 _1ce\"> </span>De makroekonomiska sc<span class=\"__14 _1058\"/>enarierna tas fram a<span class=\"__14 _b_13\"/>v Group Risk i Nordea, och baseras p\u00e5 Oxf<span class=\"__14 _b_13\"/>ord Economics-modellen. Pr<span class=\"__14 _b_13\"/>ogno<span class=\"__14 _1072\"/>-<span class=\"__14 _1ce\"> </span>sen \u00e4r en kombination a<span class=\"__14 _b_13\"/>v modellber\u00e4kningar och expertbe-<span class=\"__14 _1ce\"> </span>d\u00f6mningar<span class=\"__14 _b_13\"/>, och den granskas och kvalitetsk<span class=\"__14 _1058\"/>ontroll<span class=\"__14 _1058\"/>eras noga. Modellen har tagits fram f<span class=\"__14 _b_13\"/>\u00f6r att ge en bra beskrivning a<span class=\"__14 _b_13\"/>v de historiska sambanden mellan olika ek<span class=\"__14 _1058\"/>onomiska variabler och f\u00e5nga de vik<span class=\"__14 _b_13\"/>tigaste kopplingarna mellan dessa variabler<span class=\"__14 _1c_10\"/>. Modellens prognosperiod \u00e4r tio \u00e5r<span class=\"__14 _b_13\"/>. F\u00f6r perioder bortom denna period anv\u00e4nds ett l\u00e5ngsik<span class=\"__14 _b_13\"/>tigt medelv\u00e4rde i ber\u00e4kning-<span class=\"__14 _1ce\"> </span>arna av f<span class=\"__14 _b_13\"/>\u00f6rv\u00e4ntade kreditf<span class=\"__14 _b_13\"/>\u00f6rluster<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>De makroekonomiska sc<span class=\"__14 _1058\"/>enarierna speglar Nordeas prog-<span class=\"__14 _1ce\"> </span>noser f\u00f6r den ek<span class=\"__14 _b_13\"/>onomiska utvecklingen i Norden mot bak-<span class=\"__14 _1ce\"> </span>grund av R<span class=\"__14 _b_13\"/>ysslands invasion av Ukr<span class=\"__14 _1058\"/>aina samt in<span class=\"__14 _1058\"/>f\u00f6r<span class=\"__14 _b_13\"/>andet av sanktioner och mo<span class=\"__14 _1058\"/>tsanktioner som p\u00e5<span class=\"__14 _b_13\"/>verkar handeln med Ryssland. Prognoserna tar ocks\u00e5 h\u00e4nsyn till de h\u00f6ga ener<span class=\"__14 _b_13\"/>gi-<span class=\"__14 _1ce\"> </span>priser som f<span class=\"__14 _1058\"/>\u00f6ljt p\u00e5 invasionen, f<span class=\"__14 _b_13\"/>or<span class=\"__14 _1072\"/>tsatta st<span class=\"__14 _1058\"/>\u00f6rningar i lever<span class=\"__14 _1058\"/>ans-<span class=\"__14 _1ce\"> </span>kedjan och en f<span class=\"__14 _1058\"/>\u00f6rv\u00e4ntan om betydligt h\u00f6gr<span class=\"__14 _b_13\"/>e r\u00e4ntor f<span class=\"__14 _b_13\"/>\u00f6r att d\u00e4mpa det starka in<span class=\"__14 _b_13\"/>flationstrycket. Vid framtagandet a<span class=\"__14 _b_13\"/>v sce-<span class=\"__14 _1ce\"> </span>narierna och deras inb\u00f6rdes vik<span class=\"__14 _b_13\"/>tning har Nordea tagit h\u00e4nsyn till prognoser fr<span class=\"__14 _b_13\"/>\u00e5n nordiska centralbank<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>, Nordeas analysa<span class=\"__14 _b_13\"/>v-<span class=\"__14 _1ce\"> </span>delning och E<span class=\"__14 _b_13\"/>uropeiska centralbanken.<span class=\"__14 _1ce\"> </span>Grundscenariot \u00e4r a<span class=\"__14 _b_13\"/>tt h\u00f6ga r\u00e4ntor och h\u00f6g infla<span class=\"__14 _b_13\"/>tion leder till en mild l\u00e5gkonjunktur i Danmark, Finland och S<span class=\"__14 _1058\"/>verige. De h\u00f6ga energipriserna ger \u00e5 andra sidan en sv<span class=\"__14 _b_13\"/>ag tillv\u00e4xt i Norge. Den svaga till<span class=\"__14 _b_13\"/>v\u00e4xten f\u00f6rv\u00e4n<span class=\"__14 _b_13\"/>tas forts\u00e4tta under 2023.<span class=\"__14 _1ce\"> </span>Den nordiska bostadsmarknaden har v<span class=\"__14 _b_13\"/>\u00e4nt ned\u00e5t. Betydligt f\u00e4rre a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ff\u00e4rer g\u00f6rs och priserna har b\u00f6rjat sjunka, s\u00e4rskilt i Sv</span><span class=\"__14 _b_13\"/>e-<span class=\"__14 _1ce\"> </span>rige d\u00e4r prisfallet v<span class=\"__14 _b_13\"/>arit m\u00e4rkbar<span class=\"__14 _1072\"/>t<span class=\"__14 _1072\"/>. Denna utveckling v\u00e4n<span class=\"__14 _b_13\"/>tas forts\u00e4tta under 2023. Det \ufb01nns ned\u00e5trisk<span class=\"__14 _b_13\"/>er i grundscenariot. Nordeas tv\u00e5 alt<span class=\"__14 _b_13\"/>ernativa makroekonomiska scenarier omf<span class=\"__14 _b_13\"/>attar en rad rimliga riskfak<span class=\"__14 _b_13\"/>torer som kan f\u00e5 till<span class=\"__14 _b_13\"/>v\u00e4xten att avvika f<span class=\"__14 _b_13\"/>r\u00e5n grundscenariot. H\u00f6ga energipriser kan leda till en djupare och mer l\u00e5ngvarig l\u00e5gkonjunk<span class=\"__14 _b_13\"/>tur p\u00e5 grund av svagar<span class=\"__14 _b_13\"/>e konsumtion och l\u00e4gr<span class=\"__14 _b_13\"/>e investeringar<span class=\"__14 _b_13\"/>. Vidare kan bost<span class=\"__14 _1058\"/>adspri-<span class=\"__14 _1ce\"> </span>serna falla \u00e4nnu mer<span class=\"__14 _1c_10\"/>, p\u00e5 grund av de h\u00f6ga r\u00e4n<span class=\"__14 _b_13\"/>torna, och minska hush\u00e5llens k\u00f6pkra<span class=\"__14 _1058\"/>ft. \u00c5 andr<span class=\"__14 _b_13\"/>a sidan, om energipriserna stabiliser<span class=\"__14 _1058\"/>as p\u00e5 en l\u00e4gre niv\u00e5 kan bakslaget bli mindr<span class=\"__14 _b_13\"/>e k\u00e4nnbar<span class=\"__14 _1072\"/>t under vintern och den p\u00e5<span class=\"__14 _b_13\"/>f\u00f6ljande \u00e5terh\u00e4mtningen s<span class=\"__14 _b_13\"/>tarkare.<span class=\"__14 _1ce\"> </span>Vid utg\u00e5ngen a<span class=\"__14 _1058\"/>v \u00e5ret uppgick justeringarna i f<span class=\"__14 _b_13\"/>\u00f6rh\u00e5llande till de modellber\u00e4knade reserveringarna/<span class=\"__14 _1c_10\"/>avs\u00e4ttningarna till 554 mn euro, inklusiv<span class=\"__14 _b_13\"/>e reserveringar enligt ledningens bed\u00f6mning. Reserveringarna enligt ledningens bed\u00f6mning innefa<span class=\"__14 _b_13\"/>ttar ber\u00e4knade kreditf\u00f6rlus<span class=\"__14 _b_13\"/>ter som \u00e4nnu inte f\u00e5ngas upp av IFRS 9-modellen. Den cykliska r<span class=\"__14 _b_13\"/>eser<span class=\"__14 _1072\"/>ven uppgick till 430 mn euro vid \u00e5rets slut (<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">455 mn euro). Reserven ber</span><span class=\"__14 _b_13\"/>\u00e4kna-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">des p\u00e5 nytt under fj\u00e4rde kv</span><span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>talet. Vid denna ber\u00e4kning beak-<span class=\"__14 _1ce\"> </span>tades de ex<span class=\"__14 _1058\"/>traordin\u00e4r<span class=\"__14 _b_13\"/>a utmaningar som uppst\u00e5tt till f\u00f6ljd a<span class=\"__14 _b_13\"/>v energikrisen ist\u00e4llet f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _b_13\"/>, som tidigare, de negativa konsekv<span class=\"__14 _b_13\"/>en-<span class=\"__14 _1ce\"> </span>serna av c<span class=\"__14 _b_13\"/>oronapandemin. Reserveringarnas tillr\u00e4cklighet analyser<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ades utifr\u00e5n m\u00f6jliga eff</span><span class=\"__14 _b_13\"/>ekter a<span class=\"__14 _b_13\"/>v h\u00f6gre kostnader och l\u00e4gre konsum<span class=\"__14 _b_13\"/>tion och gjordes med hj\u00e4lp av uppdater<span class=\"__14 _b_13\"/>ade stress<span class=\"__14 _b_13\"/>tester och sekt<span class=\"__14 _1058\"/>orbed\u00f6mningar f\u00f6r a<span class=\"__14 _b_13\"/>tt b\u00e4ttre kunna ta h\u00e4nsyn till bransch- och n\u00e4ringlivsspeci\ufb01ka risker<span class=\"__14 _1c_10\"/>. Tio seg-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">ment med 8 proc</span><span class=\"__14 _b_13\"/>ent av den samlade utl\u00e5ningen iden<span class=\"__14 _b_13\"/>ti\ufb01era-<span class=\"__14 _1ce\"> </span>des som a<span class=\"__14 _1058\"/>vsev\u00e4rt p\u00e5<span class=\"__14 _b_13\"/>verkade, bland annat Byggindustri, Detaljhandel, Marktransport och K<span class=\"__14 _1058\"/>onsumentkapital<span class=\"__14 _b_13\"/>varor<span class=\"__14 _b_13\"/>. Slutsatsen blev a<span class=\"__14 _b_13\"/>tt de be\ufb01ntliga reserveringarna \u00e4r tillr\u00e4ckliga ocks\u00e5 f\u00f6r de f<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndrade riskutsik<span class=\"__14 _b_13\"/>terna eftersom reservering-<span class=\"__14 _1ce\"> </span>arna enligt ledningens bed\u00f6mning h\u00f6jdes med 20 mn euro <span class=\"__14 _1ce\">under fj\u00e4rde kvartalet (minskade 25 mn euro j\u00e4mf</span><span class=\"__14 _b_13\"/>\u00f6rt med 2021) till 430 mn euro. De svagheter i IFRS 9-modellen s<span class=\"__14 _b_13\"/>om identi\ufb01er<span class=\"__14 _1058\"/>ats och senare ska \u00e5<span class=\"__14 _b_13\"/>tg\u00e4rdas genom modelluppdate-<span class=\"__14 _1ce\"> </span>ringar (struk<span class=\"__14 _1058\"/>turell reserv) uppgick till 155 mn euro (155 mn euro).<span class=\"__14 _1ce\"> </span>Scenarier och a<span class=\"__14 _b_13\"/>vs\u00e4ttningar 2022<span class=\"__14 _1ce\"> </span>Danmark<span class=\"__14 _8a_6\"> </span><span class=\"fs7_13\">2023<span class=\"__14 _3d_8\"> </span>2024<span class=\"__14 _8b_6\"> </span>2025<span class=\"__14 _1ce\"> </span></span>F\u00f6rv\u00e4n<span class=\"__14 _1058\"/>tade kredit- f\u00f6rlust<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>, ovikta<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>, mn euro<span class=\"__14 _1ce\"> </span>Sannolik- hetsvikt<span class=\"__14 _1ce\"> </span>Modell- baserade avs\u00e4<span class=\"__14 _1058\"/>ttningar<span class=\"__14 _b_13\"/>, mn euro<span class=\"__14 _1ce\"> </span>Justering <span class=\"__14 _1069\"/> modell- baserade avs\u00e4<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ttningar1, </span>mn euro<span class=\"__14 _1ce\"> </span>Indi- viduella <span class=\"__14 _1069\"/> avs\u00e4<span class=\"__14 _1058\"/>tt- ningar<span class=\"__14 _b_13\"/>, mn euro<span class=\"__14 _1ce\"> </span>Summa <span class=\"__14 _1069\"/> avs\u00e4<span class=\"__14 _1058\"/>tt- ningar<span class=\"__14 _b_13\"/>, mn euro<span class=\"__14 _1ce\"> </span>Gynnsamt scenario<span class=\"__14 _1ce\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _1093\"> </span><span class=\"ls16_11 ws3c_5\">0,7<span class=\"__14 _8c_6\"> </span></span>1,9<span class=\"__14 _1121\"> </span>1,4<span class=\"__14 _7c_6\"> </span>168<span class=\"__14 _1113\"> </span>10 %<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _6c_6\"> </span><span class=\"ls16_11 ws3c_5\">2<span class=\"__14 _1072\"/>,7<span class=\"__14 _8c_6\"> </span>2,7<span class=\"__14 _8c_6\"> </span></span>2,6<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _1113\"> </span>0,8<span class=\"__14 _8c_6\"> </span>1,5<span class=\"__14 _8c_6\"> </span>2,0<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _7e_6\"> </span>-5,0<span class=\"__14 _1119\"> </span><span class=\"ls14_11 ws3a_5\">-1<span class=\"__14 _1072\"/>,2<span class=\"__14 _8c_6\"> </span></span>2,6<span class=\"__14 _1ce\"> </span>Grundscenario<span class=\"__14 _a_13\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _6c_6\"> </span>-0,<span class=\"__14 _1c_10\"/>1<span class=\"__14 _1121\"> </span>1,2<span class=\"__14 _8c_6\"> </span>1,0<span class=\"__14 _1130\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1072\"/>3<span class=\"__14 _7b_6\"> </span></span>50 %<span class=\"__14 _8d_6\"> </span><span class=\"ls14_11 ws3a_5\">178<span class=\"__14 _1109\"> </span></span>120<span class=\"__14 _1113\"> </span>250<span class=\"__14 _1129\"> </span>548<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _8e_6\"> </span>3,0<span class=\"__14 _1115\"> </span>3,3<span class=\"__14 _8c_6\"> </span>3,3<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _1113\"> </span>0,4<span class=\"__14 _5f_6\"> </span><span class=\"ls17_11 ws3d_5\">1<span class=\"__14 _1072\"/>,1<span class=\"__14 _5f_6\"> </span></span>1,5<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _7e_6\"> </span>-5,6<span class=\"__14 _3b_8\"> </span><span class=\"ls14_11 ws3a_5\">-1,<span class=\"__14 _1072\"/>8<span class=\"__14 _8c_6\"> </span></span>2,0<span class=\"__14 _1ce\"> </span>Negativt scenario<span class=\"__14 _1ce\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _4b_6\"> </span>-3,0<span class=\"__14 _1115\"> </span>0,5<span class=\"__14 _1120\"> </span><span class=\"ls17_11 ws3d_5\">1<span class=\"__14 _1066\"/>,1<span class=\"__14 _4c_6\"> </span></span>186<span class=\"__14 _1120\"> </span>40 %<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _1079\"> </span>4,0<span class=\"__14 _8f_6\"> </span>4,8<span class=\"__14 _8c_6\"> </span><span class=\"ls16_11 ws3c_5\">4<span class=\"__14 _1072\"/>,7<span class=\"__14 _1ce\"> </span></span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _1118\"> </span>-1,9<span class=\"__14 _3f_8\"> </span>-0,4<span class=\"__14 _1121\"> </span>1,0<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1109\"> </span>-10,<span class=\"__14 _b_13\"/>7<span class=\"__14 _5a_6\"> </span>-5,4<span class=\"__14 _1115\"> </span>0,9<span class=\"__14 _1ce\"> </span>Finland<span class=\"__14 _1ce\"> </span>Gynnsamt scenario<span class=\"__14 _1ce\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _1093\"> </span><span class=\"ls16_11 ws3c_5\">0,7<span class=\"__14 _1121\"> </span></span>1,5<span class=\"__14 _1121\"> </span>1,2<span class=\"__14 _7c_6\"> </span>2<span class=\"__14 _1072\"/>33<span class=\"__14 _1113\"> </span>10 %<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _1105\"> </span><span class=\"ls15_11 ws3b_5\">7,<span class=\"__14 _1072\"/>2<span class=\"__14 _1121\"> </span>7,<span class=\"__14 _1072\"/>4<span class=\"__14 _1118\"> </span>7,<span class=\"__14 _1066\"/>4<span class=\"__14 _1ce\"> </span></span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _6a_6\"> </span>0,5<span class=\"__14 _8f_6\"> </span>0,9<span class=\"__14 _1121\"> </span>1,3<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _7e_6\"> </span>-4,4<span class=\"__14 _1115\"> </span><span class=\"ls16_11 ws3c_5\">0,7<span class=\"__14 _8c_6\"> </span></span>2,6<span class=\"__14 _1ce\"> </span>Grundscenario<span class=\"__14 _a_13\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _4b_6\"> </span>-0,3<span class=\"__14 _5f_6\"> </span><span class=\"ls17_11 ws3d_5\">1<span class=\"__14 _1072\"/>,1<span class=\"__14 _1118\"> </span></span>1,0<span class=\"__14 _4c_6\"> </span>237<span class=\"__14 _7b_6\"> </span>50 %<span class=\"__14 _1147\"> </span><span class=\"ls16_11 ws3c_5\">243<span class=\"__14 _1102\"> </span><span class=\"ls14_11 ws3a_5\">178<span class=\"__14 _1113\"> </span></span></span>200<span class=\"__14 _1148\"> </span>621<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _6c_6\"> </span><span class=\"ls15_11 ws3b_5\">7,<span class=\"__14 _1066\"/>4<span class=\"__14 _1118\"> </span>7,<span class=\"__14 _1072\"/>7<span class=\"__14 _1120\"> </span>7,<span class=\"__14 _1072\"/>7<span class=\"__14 _1ce\"> </span></span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _1121\"> </span>-0,3<span class=\"__14 _1149\"> </span>0,6<span class=\"__14 _1115\"> </span>0,9<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _7e_6\"> </span>-5,0<span class=\"__14 _1149\"> </span>0,0<span class=\"__14 _1121\"> </span>1,9<span class=\"__14 _1ce\"> </span>Negativt scenario<span class=\"__14 _1ce\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _4b_6\"> </span>-3,0<span class=\"__14 _8c_6\"> </span><span class=\"ls17_11 ws3d_5\">0<span class=\"__14 _1066\"/>,1<span class=\"__14 _8c_6\"> </span></span>0,9<span class=\"__14 _7c_6\"> </span><span class=\"ls1a_9 ws40_5\">252<span class=\"__14 _1120\"> </span></span>40 %<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _8e_6\"> </span><span class=\"ls1b_8 ws41_5\">8,2<span class=\"__14 _8f_6\"> </span></span>8,5<span class=\"__14 _1115\"> </span>8,4<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _5f_6\"> </span><span class=\"ls16_11 ws3c_5\">-2,7<span class=\"__14 _3f_8\"> </span></span>-0,8<span class=\"__14 _1118\"> </span><span class=\"ls17_11 ws3d_5\">0<span class=\"__14 _1072\"/>,1<span class=\"__14 _1ce\"> </span></span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1101\"> </span><span class=\"ls15_11 ws3b_5\">-<span class=\"__14 _1072\"/>7,<span class=\"__14 _1066\"/>2<span class=\"__14 _1096\"> </span></span>-1,5<span class=\"__14 _1115\"> </span>0,4<span class=\"__14 _1ce\"> </span>Norge<span class=\"__14 _1150\"> </span><span class=\"fs7_13\">2023<span class=\"__14 _3d_8\"> </span>2024<span class=\"__14 _8b_6\"> </span>2025<span class=\"__14 _1ce\"> </span></span>F\u00f6rv\u00e4n<span class=\"__14 _1058\"/>tade kredit- f\u00f6rlust<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>, ovikta<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>, mn euro<span class=\"__14 _1ce\"> </span>Sannolik- hetsvikt<span class=\"__14 _1ce\"> </span>Modell- baserade avs\u00e4<span class=\"__14 _1058\"/>ttningar<span class=\"__14 _b_13\"/>, mn euro<span class=\"__14 _1ce\"> </span>Justering <span class=\"__14 _1069\"/> modell- baserade avs\u00e4<span class=\"__14 _1058\"/>ttningar<span class=\"__14 _b_13\"/>, mn euro<span class=\"__14 _1ce\"> </span>Indi- viduella <span class=\"__14 _1069\"/> avs\u00e4<span class=\"__14 _1058\"/>tt- ningar<span class=\"__14 _b_13\"/>, mn euro<span class=\"__14 _1ce\"> </span>Summa <span class=\"__14 _1069\"/> avs\u00e4<span class=\"__14 _1058\"/>tt- ningar<span class=\"__14 _b_13\"/>, mn euro<span class=\"__14 _1ce\"> </span>Gynnsamt scenario<span class=\"__14 _1ce\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _1092\"> </span>1,6<span class=\"__14 _8c_6\"> </span>1,2<span class=\"__14 _1121\"> </span>1,0<span class=\"__14 _8d_6\"> </span>70<span class=\"__14 _1113\"> </span>10 %<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _1105\"> </span><span class=\"ls17_11 ws3d_5\">3<span class=\"__14 _1066\"/>,1<span class=\"__14 _8c_6\"> </span></span>3,3<span class=\"__14 _8c_6\"> </span>3,2<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _8c_6\"> </span>-0,4<span class=\"__14 _1149\"> </span>0,6<span class=\"__14 _8c_6\"> </span>3,0<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1151\"> </span><span class=\"ls14_11 ws3a_5\">-1,8<span class=\"__14 _8c_6\"> </span></span>1,9<span class=\"__14 _8c_6\"> </span><span class=\"ls16_11 ws3c_5\">4<span class=\"__14 _1072\"/>,7<span class=\"__14 _1ce\"> </span></span>Grundscenario<span class=\"__14 _a_13\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _1105\"> </span>0,<span class=\"__14 _1072\"/>8<span class=\"__14 _1149\"> </span>0,8<span class=\"__14 _8c_6\"> </span>0,3<span class=\"__14 _8d_6\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _1120\"> </span></span>50 %<span class=\"__14 _1152\"> </span>75<span class=\"__14 _1152\"> </span><span class=\"ls14_11 ws3a_5\">143<span class=\"__14 _4c_6\"> </span></span>119<span class=\"__14 _1148\"> </span>337<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _1153\"> </span>3,3<span class=\"__14 _1115\"> </span>3,6<span class=\"__14 _1154\"> </span>3,6<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _1113\"> </span><span class=\"ls17_11 ws3d_5\">-<span class=\"__14 _1066\"/>1<span class=\"__14 _1072\"/>,1<span class=\"__14 _1154\"> </span></span>0,3<span class=\"__14 _1121\"> </span>1,9<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1132\"> </span>-2,4<span class=\"__14 _8c_6\"> </span>1,3<span class=\"__14 _1118\"> </span><span class=\"ls17_11 ws3d_5\">4<span class=\"__14 _1072\"/>,1<span class=\"__14 _1ce\"> </span></span>Negativt scenario<span class=\"__14 _1ce\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _1153\"> </span>-1,5<span class=\"__14 _1115\"> </span>0,3<span class=\"__14 _1115\"> </span>0,4<span class=\"__14 _8d_6\"> </span><span class=\"ls1d_8 ws43_5\">79<span class=\"__14 _5f_6\"> </span></span>40 %<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _8e_6\"> </span>4,2<span class=\"__14 _8f_6\"> </span>4,4<span class=\"__14 _1154\"> </span>4,4<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _1121\"> </span>-2,6<span class=\"__14 _3f_8\"> </span>-0,9<span class=\"__14 _1121\"> </span>1,0<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1ce\"> </span>-<span class=\"__14 _1072\"/>7,<span class=\"__14 _1066\"/>2<span class=\"__14 _4e_6\"> </span><span class=\"ls0_14 ws0_14\">-3,0<span class=\"__14 _1118\"> </span>1,3<span class=\"__14 _1ce\"> </span></span>Sverige<span class=\"__14 _1ce\"> </span>Gynnsamt scenario<span class=\"__14 _1ce\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _1093\"> </span><span class=\"ls16_11 ws3c_5\">0,7<span class=\"__14 _1121\"> </span>1<span class=\"__14 _1072\"/>,7<span class=\"__14 _1121\"> </span></span>1,9<span class=\"__14 _8d_6\"> </span>83<span class=\"__14 _1113\"> </span>10 %<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _6c_6\"> </span><span class=\"ls15_11 ws3b_5\">7,<span class=\"__14 _1066\"/>6<span class=\"__14 _1118\"> </span>7,<span class=\"__14 _1072\"/>7<span class=\"__14 _1118\"> </span>7,<span class=\"__14 _1066\"/>9<span class=\"__14 _1ce\"> </span></span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _6a_6\"> </span>0,5<span class=\"__14 _1115\"> </span>2,3<span class=\"__14 _1121\"> </span>2,5<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1155\"> </span>-10,4<span class=\"__14 _4e_6\"> </span>-1,0<span class=\"__14 _5f_6\"> </span><span class=\"ls17_11 ws3d_5\">3<span class=\"__14 _1072\"/>,1<span class=\"__14 _1ce\"> </span></span>Grundscenario<span class=\"__14 _a_13\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _4b_6\"> </span>-0,5<span class=\"__14 _5f_6\"> </span><span class=\"ls17_11 ws3d_5\">1<span class=\"__14 _1072\"/>,1<span class=\"__14 _1118\"> </span></span>1,9<span class=\"__14 _1148\"> </span>86<span class=\"__14 _1120\"> </span>50 %<span class=\"__14 _1156\"> </span>88<span class=\"__14 _9a_6\"> </span>111<span class=\"__14 _6a_6\"> </span>150<span class=\"__14 _1136\"> </span>349<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _6c_6\"> </span><span class=\"ls15_11 ws3b_5\">7,<span class=\"__14 _1066\"/>9<span class=\"__14 _1115\"> </span><span class=\"ls1b_8 ws41_5\">8,2<span class=\"__14 _1154\"> </span></span></span>8,3<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _8c_6\"> </span>-0,6<span class=\"__14 _1154\"> </span>1,8<span class=\"__14 _1121\"> </span>2,2<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _9b_6\"> </span>-10,5<span class=\"__14 _4e_6\"> </span><span class=\"ls14_11 ws3a_5\">-1,<span class=\"__14 _1072\"/>8<span class=\"__14 _8c_6\"> </span></span>2,0<span class=\"__14 _1ce\"> </span>Negativt scenario<span class=\"__14 _1ce\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _4b_6\"> </span>-3,0<span class=\"__14 _1115\"> </span>0,3<span class=\"__14 _1121\"> </span>1,4<span class=\"__14 _9c_7\"> </span>91<span class=\"__14 _1120\"> </span>40 %<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _1153\"> </span><span class=\"ls16_11 ws3c_5\">8,7<span class=\"__14 _1121\"> </span><span class=\"ls17_11 ws3d_5\">9<span class=\"__14 _1072\"/>,1<span class=\"__14 _1121\"> </span></span></span>9,2<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _1121\"> </span>-2,9<span class=\"__14 _1149\"> </span>0,4<span class=\"__14 _1121\"> </span>1,0<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1111\"> </span>-13,<span class=\"__14 _b_13\"/>1<span class=\"__14 _3f_8\"> </span>-5,0<span class=\"__14 _8c_6\"> </span>0,2<span class=\"__14 _1ce\"> </span>Utanf<span class=\"__14 _b_13\"/>\u00f6r <span class=\"__14 _1ce\">Norden1</span><span class=\"__14 _9d_6\"> </span>3<span class=\"__14 _1105\"> </span>2<span class=\"__14 _1155\"> </span>0<span class=\"__14 _1151\"> </span>5<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _9e_6\"> </span>587<span class=\"__14 _1156\"> </span>554<span class=\"__14 _6a_6\"> </span>719<span class=\"__14 _8c_6\"> </span>1 860 1) De\ufb01nierat som res<span class=\"__14 _1058\"/>erver/<span class=\"__14 _b_13\"/>avs\u00e4ttningar bokade i legala enheter<span class=\"__14 _b_13\"/>/\ufb01lialer utanf\u00f6r Norden. Reserver<span class=\"__14 _b_13\"/>/avs\u00e4<span class=\"__14 _b_13\"/>ttningar de\ufb01nierade som j\u00e4mf\u00f6relsest<span class=\"__14 _b_13\"/>\u00f6rande poster, 7<span class=\"__14 _b_13\"/>6 mn euro \u00e4r presenterade <span class=\"__14 _1069\"/> <span class=\"__14 _9f_6\"/> <span class=\"__14 _1069\"/> <span class=\"__14 _9f_6\"/> <span class=\"__14 _9f_6\"/> i de nordiska enheterna.<span class=\"__14 _1ce\"> </span>Scenarier och a<span class=\"__14 _b_13\"/>vs\u00e4ttningar 2021<span class=\"__14 _1ce\"> </span>Danmark<span class=\"__14 _8a_6\"> </span><span class=\"fs7_13\">2022<span class=\"__14 _1117\"> </span>2023<span class=\"__14 _a0_6\"> </span>2024<span class=\"__14 _1ce\"> </span></span>F\u00f6rv\u00e4n<span class=\"__14 _1058\"/>tade kredit- f\u00f6rlust<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>, ovikta<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>, mn euro<span class=\"__14 _1ce\"> </span>Sannolik- hetsvikt<span class=\"__14 _1ce\"> </span>Modell- baserade avs\u00e4<span class=\"__14 _1058\"/>ttningar<span class=\"__14 _b_13\"/>, mn euro<span class=\"__14 _1ce\"> </span>Justering <span class=\"__14 _1069\"/> modell- baserade avs\u00e4<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ttningar1, </span>mn euro<span class=\"__14 _1ce\"> </span>Indi- viduella <span class=\"__14 _1069\"/> avs\u00e4<span class=\"__14 _1058\"/>tt- ningar<span class=\"__14 _b_13\"/>, mn euro<span class=\"__14 _1ce\"> </span>Summa <span class=\"__14 _1069\"/> avs\u00e4<span class=\"__14 _1058\"/>tt- ningar<span class=\"__14 _b_13\"/>, mn euro<span class=\"__14 _1ce\"> </span>Gynnsamt scenario<span class=\"__14 _1ce\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _1093\"> </span><span class=\"ls16_11 ws3c_5\">4,7<span class=\"__14 _8c_6\"> </span>2<span class=\"__14 _1072\"/>,7<span class=\"__14 _1121\"> </span></span>2,3<span class=\"__14 _7c_6\"> </span>198<span class=\"__14 _7b_6\"> </span>20 %<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _6c_6\"> </span><span class=\"ls16_11 ws3c_5\">2<span class=\"__14 _1072\"/>,7<span class=\"__14 _1115\"> </span></span>2,4<span class=\"__14 _8c_6\"> </span>2,4<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _a1_6\"> </span><span class=\"ls15_11 ws3b_5\">7,<span class=\"__14 _1072\"/>3<span class=\"__14 _8c_6\"> </span></span>2,5<span class=\"__14 _5f_6\"> </span><span class=\"ls17_11 ws3d_5\">2<span class=\"__14 _1066\"/>,1<span class=\"__14 _1ce\"> </span></span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _8e_6\"> </span>5,3<span class=\"__14 _1115\"> </span>3,3<span class=\"__14 _8c_6\"> </span>2,3<span class=\"__14 _1ce\"> </span>Grundscenario<span class=\"__14 _a_13\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _2a_8\"> </span><span class=\"ls17_11 ws3d_5\">3<span class=\"__14 _1066\"/>,1<span class=\"__14 _1154\"> </span></span>2,4<span class=\"__14 _8c_6\"> </span>2,4<span class=\"__14 _6a_6\"> </span>200<span class=\"__14 _5f_6\"> </span>60 %<span class=\"__14 _1136\"> </span>200<span class=\"__14 _1152\"> </span>163<span class=\"__14 _1113\"> </span>303<span class=\"__14 _1129\"> </span>666<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _1153\"> </span>3,2<span class=\"__14 _1121\"> </span><span class=\"ls17_11 ws3d_5\">3<span class=\"__14 _1066\"/>,1<span class=\"__14 _1120\"> </span>3<span class=\"__14 _1072\"/>,1<span class=\"__14 _1ce\"> </span></span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _a1_6\"> </span><span class=\"ls17_11 ws3d_5\">6<span class=\"__14 _1066\"/>,1<span class=\"__14 _1118\"> </span>2<span class=\"__14 _1072\"/>,1<span class=\"__14 _1121\"> </span></span>2,0<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _4b_6\"> </span>4,6<span class=\"__14 _8c_6\"> </span>1,<span class=\"__14 _1072\"/>2<span class=\"__14 _1154\"> </span>3,0<span class=\"__14 _1ce\"> </span>Negativt scenario<span class=\"__14 _1ce\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _1092\"> </span>1,3<span class=\"__14 _1154\"> </span>2,3<span class=\"__14 _8c_6\"> </span>2,0<span class=\"__14 _6a_6\"> </span>205<span class=\"__14 _7b_6\"> </span>20 %<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _1105\"> </span><span class=\"ls17_11 ws3d_5\">4<span class=\"__14 _1072\"/>,1<span class=\"__14 _1115\"> </span></span>4,0<span class=\"__14 _1115\"> </span>4,0<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _1130\"> </span><span class=\"ls17_11 ws3d_5\">5<span class=\"__14 _1072\"/>,1<span class=\"__14 _1121\"> </span></span>1,5<span class=\"__14 _1118\"> </span>1,3<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _7e_6\"> </span>-4,4<span class=\"__14 _3b_8\"> </span>-1,9<span class=\"__14 _1121\"> </span>1,4<span class=\"__14 _1ce\"> </span>Finland<span class=\"__14 _1ce\"> </span>Gynnsamt scenario<span class=\"__14 _1ce\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _a2_6\"> </span>4,0<span class=\"__14 _1154\"> </span>1,8<span class=\"__14 _1118\"> </span>1,2<span class=\"__14 _6a_6\"> </span>2<span class=\"__14 _1072\"/>38<span class=\"__14 _7b_6\"> </span>20 %<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _1153\"> </span><span class=\"ls16_11 ws3c_5\">6,7<span class=\"__14 _1115\"> </span></span>6,4<span class=\"__14 _1154\"> </span>6,2<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _7c_6\"> </span>5,5<span class=\"__14 _1121\"> </span><span class=\"ls16_11 ws3c_5\">1,7<span class=\"__14 _1121\"> </span></span>1,6<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1105\"> </span><span class=\"ls17_11 ws3d_5\">3,1<span class=\"__14 _1121\"> </span><span class=\"ls16_11 ws3c_5\">2,7<span class=\"__14 _8c_6\"> </span></span></span>2,0<span class=\"__14 _1ce\"> </span>Grundscenario<span class=\"__14 _a_13\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _a3_6\"> </span>2,8<span class=\"__14 _8c_6\"> </span>1,3<span class=\"__14 _1121\"> </span>1,0<span class=\"__14 _7c_6\"> </span><span class=\"ls16_11 ws3c_5\">242<span class=\"__14 _7b_6\"> </span></span>60 %<span class=\"__14 _1147\"> </span><span class=\"ls16_11 ws3c_5\">244<span class=\"__14 _a4_6\"> </span><span class=\"ls14_11 ws3a_5\">177<span class=\"__14 _7c_6\"> </span><span class=\"ls18_10 ws3e_5\">197<span class=\"__14 _1148\"> </span></span></span></span>618<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _1079\"> </span>6,9<span class=\"__14 _1154\"> </span><span class=\"ls16_11 ws3c_5\">6<span class=\"__14 _1072\"/>,7<span class=\"__14 _1154\"> </span></span>6,6<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _a5_7\"> </span>4,6<span class=\"__14 _8c_6\"> </span>1,3<span class=\"__14 _1118\"> </span>1,2<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _6c_6\"> </span>1,5<span class=\"__14 _1154\"> </span>1,6<span class=\"__14 _1121\"> </span>1,4<span class=\"__14 _1ce\"> </span>Negativt scenario<span class=\"__14 _1ce\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _a2_6\"> </span>0,6<span class=\"__14 _8c_6\"> </span>1,2<span class=\"__14 _1154\"> </span>0,9<span class=\"__14 _7c_6\"> </span>255<span class=\"__14 _7b_6\"> </span>20 %<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _1105\"> </span><span class=\"ls15_11 ws3b_5\">7,<span class=\"__14 _1072\"/>7<span class=\"__14 _1118\"> </span>7,<span class=\"__14 _1072\"/>5<span class=\"__14 _5f_6\"> </span>7,<span class=\"__14 _1072\"/>2<span class=\"__14 _1ce\"> </span></span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _6a_6\"> </span>2,9<span class=\"__14 _8f_6\"> </span>0,6<span class=\"__14 _1115\"> </span>0,6<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1132\"> </span>-2,0<span class=\"__14 _3f_8\"> </span>-0,3<span class=\"__14 _8c_6\"> </span>0,5<span class=\"__14 _1ce\"> </span>Norge<span class=\"__14 _1150\"> </span><span class=\"fs7_13\">2022<span class=\"__14 _1117\"> </span>2023<span class=\"__14 _a0_6\"> </span>2024<span class=\"__14 _1ce\"> </span></span>F\u00f6rv\u00e4n<span class=\"__14 _1058\"/>tade kredit- f\u00f6rlust<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>, ovikta<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>, mn euro<span class=\"__14 _1ce\"> </span>Sannolik- hetsvikt<span class=\"__14 _1ce\"> </span>Modell- baserade avs\u00e4<span class=\"__14 _1058\"/>ttningar<span class=\"__14 _b_13\"/>, mn euro<span class=\"__14 _1ce\"> </span>Justering <span class=\"__14 _1069\"/> modell- baserade avs\u00e4<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ttningar1, </span>mn euro<span class=\"__14 _1ce\"> </span>Indi- viduella <span class=\"__14 _1069\"/> avs\u00e4<span class=\"__14 _1058\"/>tt- ningar<span class=\"__14 _b_13\"/>, mn euro<span class=\"__14 _1ce\"> </span>Summa <span class=\"__14 _1069\"/> avs\u00e4<span class=\"__14 _1058\"/>tt- ningar<span class=\"__14 _b_13\"/>, mn euro<span class=\"__14 _1ce\"> </span>Gynnsamt scenario<span class=\"__14 _1ce\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _a2_6\"> </span>4,6<span class=\"__14 _1121\"> </span><span class=\"ls16_11 ws3c_5\">1,7<span class=\"__14 _1118\"> </span></span>1,4<span class=\"__14 _1148\"> </span>82<span class=\"__14 _a6_7\"> </span>20 %<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _1153\"> </span>3,5<span class=\"__14 _1115\"> </span>3,3<span class=\"__14 _8c_6\"> </span>3,3<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _8c_6\"> </span>10,2<span class=\"__14 _1149\"> </span>4,0<span class=\"__14 _1121\"> </span>2,3<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1079\"> </span>3,9<span class=\"__14 _1154\"> </span>2,5<span class=\"__14 _8c_6\"> </span>2,4<span class=\"__14 _1ce\"> </span>Grundscenario<span class=\"__14 _a_13\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _a2_6\"> </span>3,<span class=\"__14 _1072\"/>8<span class=\"__14 _8c_6\"> </span>1,3<span class=\"__14 _1115\"> </span>0,9<span class=\"__14 _1148\"> </span>84<span class=\"__14 _1120\"> </span>60 %<span class=\"__14 _1156\"> </span>84<span class=\"__14 _1155\"> </span>180<span class=\"__14 _7b_6\"> </span>360<span class=\"__14 _1147\"> </span><span class=\"ls16_11 ws3c_5\">624<span class=\"__14 _1ce\"> </span></span>Arbetsl\u00f6shet, % <span class=\"__14 _6c_6\"> </span><span class=\"ls16_11 ws3c_5\">3,7<span class=\"__14 _1115\"> </span></span>3,6<span class=\"__14 _1121\"> </span><span class=\"ls16_11 ws3c_5\">3,7<span class=\"__14 _1ce\"> </span></span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _a5_7\"> </span>9,6<span class=\"__14 _1115\"> </span>3,6<span class=\"__14 _1121\"> </span>1,5<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _a7_7\"> </span><span class=\"ls16_11 ws3c_5\">1,7<span class=\"__14 _1121\"> </span></span>1,2<span class=\"__14 _1154\"> </span>3,0<span class=\"__14 _1ce\"> </span>Negativt scenario<span class=\"__14 _1ce\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _1092\"> </span>1,2<span class=\"__14 _1121\"> </span>1,2<span class=\"__14 _1120\"> </span><span class=\"ls17_11 ws3d_5\">1<span class=\"__14 _1066\"/>,1<span class=\"__14 _8d_6\"> </span></span>89<span class=\"__14 _7b_6\"> </span>20 %<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _1079\"> </span>4,8<span class=\"__14 _8f_6\"> </span>4,6<span class=\"__14 _8c_6\"> </span>4,5<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _1113\"> </span>8,0<span class=\"__14 _8c_6\"> </span><span class=\"ls16_11 ws3c_5\">2,7<span class=\"__14 _7b_6\"> </span><span class=\"ls17_11 ws3d_5\">1<span class=\"__14 _1066\"/>,1<span class=\"__14 _1ce\"> </span></span></span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1ce\"> </span>-4,6<span class=\"__14 _5a_6\"> </span>-3,0<span class=\"__14 _1121\"> </span>1,4<span class=\"__14 _1ce\"> </span>Sverige<span class=\"__14 _1ce\"> </span>Gynnsamt scenario<span class=\"__14 _1ce\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _1093\"> </span>5,2<span class=\"__14 _1115\"> </span>2,4<span class=\"__14 _1121\"> </span>1,8<span class=\"__14 _1148\"> </span>93<span class=\"__14 _a6_7\"> </span>20 %<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _a7_7\"> </span><span class=\"ls15_11 ws3b_5\">7,<span class=\"__14 _1066\"/>2<span class=\"__14 _8c_6\"> </span><span class=\"ls16_11 ws3c_5\">6,7<span class=\"__14 _1121\"> </span>6,7<span class=\"__14 _1ce\"> </span></span></span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _6a_6\"> </span>6,2<span class=\"__14 _1115\"> </span>2,8<span class=\"__14 _8c_6\"> </span>2,4<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _4b_6\"> </span>4,6<span class=\"__14 _1154\"> </span>2,5<span class=\"__14 _8c_6\"> </span>2,4<span class=\"__14 _1ce\"> </span>Grundscenario<span class=\"__14 _a_13\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _a3_6\"> </span>3,6<span class=\"__14 _1154\"> </span>2,2<span class=\"__14 _1121\"> </span>1,8<span class=\"__14 _1148\"> </span>96<span class=\"__14 _5f_6\"> </span>60 %<span class=\"__14 _1156\"> </span>96<span class=\"__14 _1151\"> </span>70<span class=\"__14 _1136\"> </span>98<span class=\"__14 _1136\"> </span>264<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _6c_6\"> </span><span class=\"ls15_11 ws3b_5\">7,<span class=\"__14 _1066\"/>6<span class=\"__14 _1121\"> </span>7,<span class=\"__14 _1066\"/>2<span class=\"__14 _1113\"> </span>7,1<span class=\"__14 _1ce\"> </span></span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _a5_7\"> </span>4,6<span class=\"__14 _1115\"> </span>2,6<span class=\"__14 _5f_6\"> </span><span class=\"ls17_11 ws3d_5\">2<span class=\"__14 _1072\"/>,1<span class=\"__14 _1ce\"> </span></span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _a7_7\"> </span><span class=\"ls17_11 ws3d_5\">2<span class=\"__14 _1066\"/>,1<span class=\"__14 _8c_6\"> </span></span>1,8<span class=\"__14 _8c_6\"> </span>3,0<span class=\"__14 _1ce\"> </span>Negativt scenario<span class=\"__14 _1ce\"> </span>BNP-tillv\u00e4xt, % <span class=\"__14 _1092\"> </span>1,4<span class=\"__14 _1121\"> </span><span class=\"ls16_11 ws3c_5\">1,7<span class=\"__14 _8c_6\"> </span></span>2,0<span class=\"__14 _1130\"> </span>101<span class=\"__14 _7b_6\"> </span>20 %<span class=\"__14 _1ce\"> </span>Arbetsl\u00f6shet, % <span class=\"__14 _8e_6\"> </span>8,3<span class=\"__14 _8c_6\"> </span><span class=\"ls17_11 ws3d_5\">8<span class=\"__14 _1066\"/>,1<span class=\"__14 _1118\"> </span><span class=\"ls15_11 ws3b_5\">7,<span class=\"__14 _1072\"/>9<span class=\"__14 _1ce\"> </span></span></span>F\u00f6r\u00e4ndring i privatkonsum<span class=\"__14 _b_13\"/>tion, %<span class=\"__14 _6a_6\"> </span>2,9<span class=\"__14 _8c_6\"> </span>1,<span class=\"__14 _1072\"/>2<span class=\"__14 _1121\"> </span>1,6<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndring i bostadspriser<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1132\"> </span><span class=\"ls16_11 ws3c_5\">-<span class=\"__14 _1072\"/>4<span class=\"__14 _1072\"/>,7<span class=\"__14 _3b_8\"> </span></span>-3,7<span class=\"__14 _1118\"> </span>1,2<span class=\"__14 _1ce\"> </span>Utanf<span class=\"__14 _b_13\"/>\u00f6r Norden<span class=\"__14 _a8_7\"> </span>4<span class=\"__14 _a7_7\"> </span>6<span class=\"__14 _6a_6\"> </span>222<span class=\"__14 _1148\"> </span>232<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _a9_7\"> </span>628<span class=\"__14 _aa_6\"> </span>596<span class=\"__14 _1119\"> </span>1 180<span class=\"__14 _1154\"> </span>2 404 <span class=\"fs8_12\">1)  Inkluderar 610 mn euro a<span class=\"__14 _1058\"/>vseende reserveringar enligt ledningens bed\u00f6mning och -14 mn eur<span class=\"__14 _1058\"/>o avseende sena r<span class=\"__14 _1058\"/>\u00e4ttelser<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span></span>2.<span class=\"__14 _b_13\"/>10 Kreditportf\u00f6lj Den samlade kreditriske<span class=\"__14 _b_13\"/>xponeringen, inklusive poster i och utanf<span class=\"__14 _b_13\"/>\u00f6r balansr\u00e4kningen och exponeringar h\u00e4nf<span class=\"__14 _b_13\"/>\u00f6rliga till v\u00e4r-<span class=\"__14 _1ce\"> </span>depapper och livf\u00f6rs\u00e4kringsr\u00f6relsen, uppgick vid \u00e5rsskiftet till <span class=\"__14 _1ce\">565 md euro (553 md euro f</span><span class=\"__14 _b_13\"/>\u00f6rra \u00e5ret). Den samlade kredite<span class=\"__14 _b_13\"/>x-<span class=\"__14 _1ce\"> </span>poneringen enligt de\ufb01nitionen i kapitalt\u00e4ckningsf<span class=\"__14 _b_13\"/>\u00f6rordningen uppgick vid \u00e5rets slut, efter den s\u00e5 kallade kreditkon<span class=\"__14 _b_13\"/>ver<span class=\"__14 _1072\"/>te-<span class=\"__14 _1ce\"> </span>ringsfak<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">torn, till 511 md euro (506 md euro). Kr</span><span class=\"__14 _b_13\"/>editrisk m\u00e4ts, \u00f6vervakas och delas upp p\u00e5 olika s\u00e4<span class=\"__14 _b_13\"/>tt<span class=\"__14 _1072\"/>. Utl\u00e5ning i balansr\u00e4k-<span class=\"__14 _1ce\"> </span>ningen best\u00e5r a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">v utl\u00e5ning till upplupet anskaffningsv\u00e4rde och </span>verkligt v\u00e4r<span class=\"__14 _1058\"/>de och utg\u00f6r huvuddelen a<span class=\"__14 _b_13\"/>v kreditpor<span class=\"__14 _1072\"/>tf\u00f6ljen. Utl\u00e5<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">ning till upplupet anskaffningsv</span><span class=\"__14 _b_13\"/>\u00e4rde bildar underlag f\u00f6r os\u00e4kra l\u00e5nef<span class=\"__14 _b_13\"/>ordringar<span class=\"__14 _b_13\"/>, reserveringar och kreditf\u00f6rlus<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1058\"/>.<span class=\"__14 _1ce\"> </span>Kreditrisken i utl\u00e5ningen m\u00e4ts och r<span class=\"__14 _b_13\"/>edovisas som kapital-<span class=\"__14 _1ce\"> </span>beloppet av f<span class=\"__14 _b_13\"/>ordringar i balansr\u00e4kningen, dvs. utl\u00e5ning till kreditinstitut och till allm\u00e4nheten, och s<span class=\"__14 _1058\"/>om ansvarsf\u00f6rbindel<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>ser och \u00e5taganden gen<span class=\"__14 _b_13\"/>temot kunder och motparter<span class=\"__14 _b_13\"/>, netto efter reserveringar<span class=\"__14 _1c_10\"/>. Kreditriskexponeringen omf<span class=\"__14 _b_13\"/>attar ocks\u00e5 risken h\u00e4nf<span class=\"__14 _b_13\"/>\u00f6rlig till derivatkon<span class=\"__14 _1058\"/>trak<span class=\"__14 _b_13\"/>t och v\u00e4rdepappers\ufb01nan-<span class=\"__14 _1ce\"> </span>siering. Nordeas utl\u00e5ning till allm\u00e4nheten \u00f6kade under 2022 <span class=\"__14 _1ce\">med 0,2 procent, till 346 md euro (345 md euro</span><span class=\"__14 _b_13\"/>). Utl\u00e5ningen till f\u00f6r<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">etag \u00f6kade med omkring 4,2 procen</span><span class=\"__14 _1058\"/>t, medan utl\u00e5-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">ningen till privatpersoner minskade med 3,4 pr</span><span class=\"__14 _1058\"/>ocent. Den \u00f6vergripande kr<span class=\"__14 _b_13\"/>editkvaliteten \u00e4r stabil, med h\u00f6g kreditv\u00e4r<span class=\"__14 _b_13\"/>dig-<span class=\"__14 _1ce\"> </span>het bland kunderna. <span class=\"__14 _b_13\"/>Till f\u00f6ljd a<span class=\"__14 _b_13\"/>v de just nu os\u00e4kra makroeko-<span class=\"__14 _1ce\"> </span>nomiska utsikt<span class=\"__14 _1058\"/>erna genomf<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>s noggranna uppf<span class=\"__14 _b_13\"/>\u00f6ljningar, men kreditkvalitet<span class=\"__14 _b_13\"/>en var fortsatt stark under 2022. <span class=\"__14 _b_13\"/>Av utl\u00e5ningen till allm\u00e4nheten a<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">vs\u00e5g 46,0 procen</span><span class=\"__14 _b_13\"/>t (44,3 procen<span class=\"__14 _b_13\"/>t) f\u00f6retag, <span class=\"__14 _1ce\">52,5 procent (54,4 pr</span><span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ocent) privatpersoner och 1,5 proc</span><span class=\"__14 _b_13\"/>ent <span class=\"__14 _1ce\">(1,3 procen</span><span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">t) den offentliga sek</span><span class=\"__14 _b_13\"/>torn. Utl\u00e5ningen till central<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>banker och kreditinstitut, huvudsakligen i f<span class=\"__14 _1058\"/>orm av tillgodoha<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>vanden i andra bank<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>, \u00f6kade och uppgick vid utg\u00e5ngen av <span class=\"__14 _1ce\">2022 till 5 md euro (2 md euro</span><span class=\"__14 _1058\"/>).<span class=\"__14 _1ce\"> </span>2.<span class=\"__14 _b_13\"/>11 Utl\u00e5ning till f\u00f6r<span class=\"__14 _b_13\"/>etagskunder<span class=\"__14 _1ce\"> </span>Utl\u00e5ningen till f\u00f6r<span class=\"__14 _1058\"/>etagskunder uppgick vid utg\u00e5ngen a<span class=\"__14 _b_13\"/>v 2022 <span class=\"__14 _1ce\">till 159 md euro (153 md euro</span><span class=\"__14 _1058\"/>). Den bransch som \u00f6kade mes<span class=\"__14 _b_13\"/>t i absoluta termer under \u00e5r<span class=\"__14 _1058\"/>et var Industri, medan Samh\u00e4llsn<span class=\"__14 _1058\"/>yt-<span class=\"__14 _1ce\"> </span>tiga tj\u00e4nster minskade mes<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>. De tre st\u00f6rsta br<span class=\"__14 _1058\"/>anscherna (F<span class=\"__14 _b_13\"/>ast-<span class=\"__14 _1ce\"> </span>ighetsbolag, Finansinstitut och Industri) sv<span class=\"__14 _b_13\"/>arade tillsammans <span class=\"__14 _1ce\">f\u00f6r cirka 60 pr</span><span class=\"__14 _b_13\"/>ocent av den samlade utl\u00e5ningen till f<span class=\"__14 _b_13\"/>\u00f6retag. F<span class=\"__14 _b_13\"/>astighetsbolag var fortsatt den s<span class=\"__14 _1058\"/>t\u00f6rsta brans<span class=\"__14 _1058\"/>chen i Nordeas <span class=\"__14 _1ce\">kreditportf\u00f6lj, med 44,6 md euro (</span><span class=\"__14 _b_13\"/>46,5 md euro). F<span class=\"__14 _b_13\"/>astighets-<span class=\"__14 _1ce\"> </span>kreditportf\u00f6ljen dominer<span class=\"__14 _1058\"/>as av r<span class=\"__14 _b_13\"/>elativt stora och \ufb01nansiellt starka f<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">\u00f6retag, med 94 procent (94 pr</span><span class=\"__14 _b_13\"/>ocent) av e<span class=\"__14 _b_13\"/>xponeringen i ratingklass 4\u2013 och h\u00f6gr<span class=\"__14 _1058\"/>e. Som framg\u00e5r a<span class=\"__14 _b_13\"/>v tabellen nedan \u00e4r utl\u00e5ningen till f\u00f6r<span class=\"__14 _1058\"/>etagskunder v\u00e4l div<span class=\"__14 _b_13\"/>er<span class=\"__14 _1072\"/>si\ufb01erad sett till l\u00e5nens <span class=\"__14 _1ce\">storlek. Cirka 64 procen</span><span class=\"__14 _b_13\"/>t (68 procent) a<span class=\"__14 _b_13\"/>v f\u00f6retagsutl\u00e5ningen avser l\u00e5n p\u00e5 upp till 50 mn eur<span class=\"__14 _b_13\"/>o per kund.<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till f\u00f6r<span class=\"__14 _1058\"/>etagskunder<span class=\"__14 _b_13\"/>, efter l\u00e5nets st<span class=\"__14 _1058\"/>orlek<span class=\"__14 _1ce\"> </span>31 dec 2022<span class=\"__14 _1153\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span>Storlek i mn euro<span class=\"__14 _1ce\"> </span>Utl\u00e5ning    md euro<span class=\"__14 _1147\"> </span>%<span class=\"__14 _1ce\"> </span>Utl\u00e5ning    md euro<span class=\"__14 _1147\"> </span>%<span class=\"__14 _1ce\"> </span>0\u201310<span class=\"__14 _ab_6\"> </span>64,0<span class=\"__14 _4c_6\"> </span>40<span class=\"__14 _8f_6\"> </span>65,5<span class=\"__14 _4c_6\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _1ce\"> </span></span>11\u201350<span class=\"__14 _ac_6\"> </span>38,3<span class=\"__14 _1130\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1121\"> </span><span class=\"ls15_11 ws3b_5\">3<span class=\"__14 _1072\"/>7,<span class=\"__14 _1072\"/>7<span class=\"__14 _1104\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1ce\"> </span></span></span></span>51\u2013100<span class=\"__14 _ad_6\"> </span><span class=\"ls0_14 ws0_14\">20,5<span class=\"__14 _1104\"> </span>13<span class=\"__14 _1115\"> </span><span class=\"ls1b_8 ws41_5\">1<span class=\"__14 _b_13\"/>8,8<span class=\"__14 _1129\"> </span><span class=\"ls0_14 ws0_14\">12<span class=\"__14 _1ce\"> </span></span></span></span>101\u2013<span class=\"__14 _b_13\"/>2<span class=\"__14 _1072\"/>50<span class=\"__14 _ae_7\"> </span>21,6<span class=\"__14 _1104\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1115\"> </span></span>19,6<span class=\"__14 _1104\"> </span>13<span class=\"__14 _1ce\"> </span>251\u2013500<span class=\"__14 _af_7\"> </span>9,3<span class=\"__14 _1106\"> </span>6<span class=\"__14 _4c_6\"> </span><span class=\"ls17_11 ws3d_5\">5<span class=\"__14 _1066\"/>,1<span class=\"__14 _b0_6\"> </span></span>3<span class=\"__14 _1ce\"> </span>501\u2013<span class=\"__14 _b1_6\"> </span>5,5<span class=\"__14 _1106\"> </span>3<span class=\"__14 _a6_7\"> </span>6,0<span class=\"__14 _1106\"> </span>4<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _b2_7\"> </span>159,2<span class=\"__14 _1121\"> </span>100<span class=\"__14 _3f_8\"> </span>152,<span class=\"__14 _1058\"/>7<span class=\"__14 _1121\"> </span>100<span class=\"__14 _1ce\"> </span>2.<span class=\"__14 _b_13\"/>12 Utl\u00e5ning till privatk<span class=\"__14 _b_13\"/>under Utl\u00e5ningen till privatk<span class=\"__14 _b_13\"/>under minskade under 2022 med <span class=\"__14 _1ce\">3,4 procen</span><span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/><span class=\"__14 _1ce\">, till 181 md euro (188 md euro). Minskningen </span>avs\u00e5g alla nor<span class=\"__14 _b_13\"/>diska l\u00e4nder utom Finland och var huvudsakli-<span class=\"__14 _1ce\"> </span>gen h\u00e4nf<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">\u00f6rlig till bol\u00e5n. Bol\u00e5nen minskade till 155 md euro </span>(162 md euro), medan konsum<span class=\"__14 _b_13\"/>tionsl\u00e5nen \u00f6kade n\u00e5got till <span class=\"__14 _1ce\">26 md euro (25 md euro). Bol\u00e5nens andel a</span><span class=\"__14 _b_13\"/>v utl\u00e5ningen till privatk<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">under var stabil med 86 procen</span><span class=\"__14 _b_13\"/>t (86 procent).<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till allm\u00e4nheten, v\u00e4rder<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ad till upplupet anskaffningsv\u00e4rde och v</span><span class=\"__14 _b_13\"/>erkligt v\u00e4rde<span class=\"__14 _1ce\"> </span>31 dec 2022, mn euro<span class=\"__14 _b3_6\"> </span>Danmark<span class=\"__14 _1130\"> </span>Finland<span class=\"__14 _b0_6\"> </span>Norge<span class=\"__14 _1113\"> </span><span class=\"__14 _1ce\">Sverige1</span><span class=\"__14 _8d_6\"> </span><span class=\"__14 _1ce\">\u00d6vrigt1</span><span class=\"__14 _1130\"> </span>Summa Finansinstitut<span class=\"__14 _b4_6\"> </span>3 004<span class=\"__14 _1156\"> </span>1 834<span class=\"__14 _1152\"> </span>1 218<span class=\"__14 _b0_6\"> </span>8 430<span class=\"__14 _b5_7\"> </span><span class=\"ls18_10 ws3e_5\">597<span class=\"__14 _1136\"> </span></span>15 083<span class=\"__14 _1ce\"> </span>Jordbruk<span class=\"__14 _b6_7\"> </span>4 880<span class=\"__14 _b5_7\"> </span>352<span class=\"__14 _b7_7\"> </span>3 039<span class=\"__14 _8e_6\"> </span>161<span class=\"__14 _b8_6\"> </span>5<span class=\"__14 _b7_7\"> </span>8 437     Gr\u00f6dor<span class=\"__14 _b_13\"/>, odling och jakt<span class=\"__14 _b9_7\"> </span><span class=\"ls18_10 ws3e_5\">2 797<span class=\"__14 _8e_6\"> </span><span class=\"ls14_11 ws3a_5\">173<span class=\"__14 _8e_6\"> </span></span></span>118<span class=\"__14 _4b_6\"> </span>107<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _aa_6\"> </span>3 199     Djurh\u00e5llning<span class=\"__14 _ba_7\"> </span>2 069<span class=\"__14 _1079\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1072\"/>3<span class=\"__14 _1079\"> </span></span>125<span class=\"__14 _1093\"> </span>53<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b7_7\"> </span>2 420     Fiske och vatt<span class=\"__14 _1058\"/>enbruk<span class=\"__14 _1099\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1087\"> </span></span>6<span class=\"__14 _aa_6\"> </span>2 796<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _aa_6\"> </span>2 818<span class=\"__14 _1ce\"> </span>Naturresurser<span class=\"__14 _bc_6\"> </span>188<span class=\"__14 _1152\"> </span>1 120<span class=\"__14 _9b_6\"> </span>1 07<span class=\"__14 _1072\"/>7<span class=\"__14 _8e_6\"> </span><span class=\"ls14_11 ws3a_5\">517<span class=\"__14 _4b_6\"> </span></span>201<span class=\"__14 _1156\"> </span>3 103     Pappers- och skogsproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _bd_7\"> </span>162<span class=\"__14 _1101\"> </span>859<span class=\"__14 _1101\"> </span>483<span class=\"__14 _b5_7\"> </span>452<span class=\"__14 _1079\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1072\"/>7<span class=\"__14 _1152\"> </span></span>2 133     Gruvdrift och kringverksamhet<span class=\"__14 _8a_6\"> </span>9<span class=\"__14 _be_7\"> </span>225<span class=\"__14 _4b_6\"> </span>120<span class=\"__14 _a3_6\"> </span>63<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _b5_7\"> </span>418<span class=\"__14 _1ce\">     Olje-, gas- och offshore-verksamhet</span><span class=\"__14 _1097\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _a3_6\"> </span></span>36<span class=\"__14 _be_7\"> </span><span class=\"ls1f_7 ws45_4\">4<span class=\"__14 _1066\"/>74<span class=\"__14 _bf_7\"> </span></span>2<span class=\"__14 _1093\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _b5_7\"> </span></span>552<span class=\"__14 _1ce\"> </span>Konsument dagligv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _c0_7\"> </span>2 300<span class=\"__14 _b5_7\"> </span>881<span class=\"__14 _1151\"> </span>809<span class=\"__14 _1155\"> </span>1 593<span class=\"__14 _a2_6\"> </span>68<span class=\"__14 _1155\"> </span>5 651     Livsmedel och drycker<span class=\"__14 _c1_6\"> </span>541<span class=\"__14 _1101\"> </span>364<span class=\"__14 _b5_7\"> </span>453<span class=\"__14 _1151\"> </span>480<span class=\"__14 _1092\"> </span>19<span class=\"__14 _1155\"> </span>1 857     Hush\u00e5lls- och hygienproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1116\"> </span>168<span class=\"__14 _a3_6\"> </span>87<span class=\"__14 _4b_6\"> </span>126<span class=\"__14 _b5_7\"> </span>356<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _b5_7\"> </span>739     H\u00e4lsov\u00e5rd<span class=\"__14 _c2_7\"> </span>1 591<span class=\"__14 _1101\"> </span>430<span class=\"__14 _c3_6\"> </span>230<span class=\"__14 _4b_6\"> </span><span class=\"ls14_11 ws3a_5\">757<span class=\"__14 _1092\"> </span></span>47<span class=\"__14 _b7_7\"> </span>3 055<span class=\"__14 _1ce\"> </span>Konsument s\u00e4llank<span class=\"__14 _b_13\"/>\u00f6p och tj\u00e4nster<span class=\"__14 _c4_6\"> </span><span class=\"ls16_11 ws3c_5\">2 24<span class=\"__14 _1072\"/>8<span class=\"__14 _b7_7\"> </span></span>2 445<span class=\"__14 _9b_6\"> </span>2 7<span class=\"__14 _b_13\"/>45<span class=\"__14 _b7_7\"> </span>5 296<span class=\"__14 _1093\"> </span>82<span class=\"__14 _1148\"> </span>12 816     Konsumentk<span class=\"__14 _1058\"/>apitalvar<span class=\"__14 _b_13\"/>or<span class=\"__14 _c5_7\"> </span>186<span class=\"__14 _b5_7\"> </span><span class=\"ls14_11 ws3a_5\">376<span class=\"__14 _b5_7\"> </span></span>203<span class=\"__14 _1156\"> </span>1 807<span class=\"__14 _1092\"> </span>81<span class=\"__14 _aa_6\"> </span>2 653     Media och underh\u00e5llning<span class=\"__14 _c6_6\"> </span>609<span class=\"__14 _b5_7\"> </span>333<span class=\"__14 _b5_7\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>8<span class=\"__14 _aa_6\"> </span></span>1 084<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1109\"> </span><span class=\"ls1f_7 ws45_4\">2<span class=\"__14 _1066\"/> 1<span class=\"__14 _1072\"/>74</span>     Detaljhandel<span class=\"__14 _c7_6\"> </span>720<span class=\"__14 _1156\"> </span>1 204<span class=\"__14 _1152\"> </span>1 199<span class=\"__14 _1156\"> </span>1 663<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b0_6\"> </span>4 786     Flygre<span class=\"__14 _1058\"/>sor<span class=\"__14 _c8_7\"> </span><span class=\"ls20_7 ws46_4\">73<span class=\"__14 _1093\"> </span></span>35<span class=\"__14 _a3_6\"> </span>59<span class=\"__14 _1092\"> </span>19<span class=\"__14 _1087\"> </span>0<span class=\"__14 _be_7\"> </span>186     Logi och fritid<span class=\"__14 _c9_7\"> </span>582<span class=\"__14 _1151\"> </span>448<span class=\"__14 _b5_7\"> </span>703<span class=\"__14 _c3_6\"> </span><span class=\"ls1e_7 ws44_4\">425<span class=\"__14 _1087\"> </span></span>0<span class=\"__14 _1155\"> </span>2 158     <span class=\"__14 _1058\"/>T<span class=\"__14 _1c_10\"/>elekomtj\u00e4nster<span class=\"__14 _ca_6\"> </span>78<span class=\"__14 _a2_6\"> </span>49<span class=\"__14 _c3_6\"> </span>4<span class=\"__14 _1072\"/>33<span class=\"__14 _1101\"> </span>298<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1101\"> </span>859<span class=\"__14 _1ce\"> </span>Industri<span class=\"__14 _cb_6\"> </span>8 225<span class=\"__14 _b7_7\"> </span>7 058<span class=\"__14 _b7_7\"> </span>9 539<span class=\"__14 _1148\"> </span>11 007<span class=\"__14 _1101\"> </span>2<span class=\"__14 _1072\"/>58<span class=\"__14 _1104\"> </span>36 087     R\u00e5v<span class=\"__14 _1058\"/>aror<span class=\"__14 _cc_7\"> </span>506<span class=\"__14 _b5_7\"> </span><span class=\"ls14_11 ws3a_5\">57<span class=\"__14 _1072\"/>3<span class=\"__14 _4b_6\"> </span></span>301<span class=\"__14 _1152\"> </span>1 222<span class=\"__14 _1093\"> </span>26<span class=\"__14 _b7_7\"> </span>2 628     Kapitalv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _cd_6\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _1072\"/>4<span class=\"__14 _1109\"> </span></span>1 616<span class=\"__14 _1101\"> </span>200<span class=\"__14 _1156\"> </span>1 286<span class=\"__14 _1092\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _b7_7\"> </span></span>3 918     Producenttj\u00e4ns<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1078\"> </span>1 861<span class=\"__14 _c3_6\"> </span>901<span class=\"__14 _1156\"> </span>2 379<span class=\"__14 _b7_7\"> </span>2 062<span class=\"__14 _8e_6\"> </span>118<span class=\"__14 _1152\"> </span>7 321     Byggindustri<span class=\"__14 _c9_7\"> </span><span class=\"ls14_11 ws3a_5\">1 177<span class=\"__14 _1109\"> </span></span>1 451<span class=\"__14 _1156\"> </span>4 377<span class=\"__14 _1156\"> </span>2 473<span class=\"__14 _1086\"> </span>3<span class=\"__14 _b7_7\"> </span>9 481     Partihandel<span class=\"__14 _ce_7\"> </span>2 921<span class=\"__14 _9b_6\"> </span>1 166<span class=\"__14 _1152\"> </span>1 031<span class=\"__14 _1156\"> </span>2 52<span class=\"__14 _1072\"/>5<span class=\"__14 _1092\"> </span>31<span class=\"__14 _1155\"> </span>7 674     Marktransport<span class=\"__14 _cf_6\"> </span>655<span class=\"__14 _1101\"> </span>863<span class=\"__14 _1101\"> </span>695<span class=\"__14 _b5_7\"> </span>675<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _b7_7\"> </span>2 892     IT<span class=\"__14 _b_13\"/>-tj\u00e4nster<span class=\"__14 _d0_6\"> </span>361<span class=\"__14 _1151\"> </span>488<span class=\"__14 _c3_6\"> </span>556<span class=\"__14 _c3_6\"> </span><span class=\"ls14_11 ws3a_5\">76<span class=\"__14 _1072\"/>4<span class=\"__14 _b8_6\"> </span></span>4<span class=\"__14 _1152\"> </span><span class=\"ls14_11 ws3a_5\">2 17<span class=\"__14 _1072\"/>3<span class=\"__14 _1ce\"> </span></span>Sj\u00f6fart<span class=\"__14 _d1_6\"> </span><span class=\"ls14_11 ws3a_5\">314<span class=\"__14 _1153\"> </span>151<span class=\"__14 _b7_7\"> </span></span>5 076<span class=\"__14 _a3_6\"> </span>96<span class=\"__14 _c3_6\"> </span>363<span class=\"__14 _1106\"> </span>6 000     V<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>vsindustri<span class=\"__14 _d2_6\"> </span>0<span class=\"__14 _1092\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _6c_6\"> </span></span>111<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1079\"> </span>125     Sj\u00f6transport<span class=\"__14 _d3_6\"> </span>181<span class=\"__14 _a3_6\"> </span>39<span class=\"__14 _b0_6\"> </span>4 820<span class=\"__14 _a2_6\"> </span>88<span class=\"__14 _c3_6\"> </span>363<span class=\"__14 _1156\"> </span>5 491     Sj\u00f6fartstj\u00e4ns<span class=\"__14 _1058\"/>ter<span class=\"__14 _d4_7\"> </span>133<span class=\"__14 _a2_6\"> </span>98<span class=\"__14 _4b_6\"> </span><span class=\"ls14_11 ws3a_5\">145<span class=\"__14 _b8_6\"> </span></span>8<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1101\"> </span>384<span class=\"__14 _1ce\"> </span>Samh\u00e4llsnyttiga tj\u00e4nster<span class=\"__14 _d5_6\"> </span>1 583<span class=\"__14 _1155\"> </span>3 519<span class=\"__14 _b7_7\"> </span>1 860<span class=\"__14 _1109\"> </span>1 316<span class=\"__14 _1087\"> </span>0<span class=\"__14 _aa_6\"> </span>8 278     El, vatten och gas<span class=\"__14 _d6_6\"> </span>1 166<span class=\"__14 _9b_6\"> </span>1 525<span class=\"__14 _1101\"> </span>985<span class=\"__14 _8e_6\"> </span>771<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b7_7\"> </span>4 447     Kraftproduk<span class=\"__14 _b_13\"/>tion<span class=\"__14 _ca_6\"> </span>62<span class=\"__14 _aa_6\"> </span>1 840<span class=\"__14 _1151\"> </span>680<span class=\"__14 _4b_6\"> </span>415<span class=\"__14 _1087\"> </span>0<span class=\"__14 _aa_6\"> </span>2 997     Allm\u00e4nnyttiga f<span class=\"__14 _b_13\"/>\u00f6retag<span class=\"__14 _d7_6\"> </span>355<span class=\"__14 _be_7\"> </span>154<span class=\"__14 _4b_6\"> </span>195<span class=\"__14 _be_7\"> </span>130<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1101\"> </span>834<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _b_13\"/>astighetsbolag<span class=\"__14 _d8_7\"> </span>8 736<span class=\"__14 _1106\"> </span>8 006<span class=\"__14 _1155\"> </span>9 921<span class=\"__14 _1147\"> </span>17 853<span class=\"__14 _1153\"> </span>115<span class=\"__14 _1129\"> </span>44 631     Kommersiella fas<span class=\"__14 _b_13\"/>tigheter<span class=\"__14 _d9_6\"> </span>4 215<span class=\"__14 _da_6\"> </span>4 498<span class=\"__14 _da_6\"> </span>8 388<span class=\"__14 _b7_7\"> </span>8 032<span class=\"__14 _8e_6\"> </span>115<span class=\"__14 _1129\"> </span><span class=\"ls16_11 ws3c_5\">2<span class=\"__14 _1072\"/>5 24<span class=\"__14 _1072\"/>8</span>     Bostadsfas<span class=\"__14 _b_13\"/>tigheter<span class=\"__14 _db_6\"> </span>4 521<span class=\"__14 _b0_6\"> </span>3 508<span class=\"__14 _9b_6\"> </span>1 533<span class=\"__14 _1156\"> </span>9 821<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1136\"> </span>19 383<span class=\"__14 _1ce\"> </span>\u00d6vriga branscher<span class=\"__14 _ca_6\"> </span>489<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _8e_6\"> </span><span class=\"ls14_11 ws3a_5\">114<span class=\"__14 _2a_8\"> </span>51<span class=\"__14 _bf_7\"> </span></span>1<span class=\"__14 _c3_6\"> </span>655<span class=\"__14 _1ce\"> </span>Summa f\u00f6retagsk<span class=\"__14 _b_13\"/>under<span class=\"__14 _dc_6\"> </span>31 967<span class=\"__14 _1104\"> </span>25 366<span class=\"__14 _1104\"> </span>35 398<span class=\"__14 _1130\"> </span>46 320<span class=\"__14 _b7_7\"> </span>1 690<span class=\"__14 _a6_7\"> </span>140 7<span class=\"__14 _b_13\"/>41   Bol\u00e5n<span class=\"__14 _dd_7\"> </span>34 557<span class=\"__14 _1148\"> </span>34 113<span class=\"__14 _1147\"> </span>35 757<span class=\"__14 _1129\"> </span>51 069<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1120\"> </span>155 496   L\u00e5n mot s\u00e4kerhet<span class=\"__14 _de_6\"> </span>9 288<span class=\"__14 _b0_6\"> </span>6 208<span class=\"__14 _1155\"> </span>2 357<span class=\"__14 _9b_6\"> </span>2 241<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1130\"> </span>20 094   L\u00e5n utan s\u00e4kerhet<span class=\"__14 _df_6\"> </span>1 017<span class=\"__14 _9b_6\"> </span>2 133<span class=\"__14 _c3_6\"> </span>383<span class=\"__14 _1155\"> </span><span class=\"ls14_11 ws3a_5\">2<span class=\"__14 _1072\"/> 143<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _b7_7\"> </span>5 676<span class=\"__14 _1ce\"> </span>Privatkunder<span class=\"__14 _e0_6\"> </span>44 862<span class=\"__14 _a1_6\"> </span>4<span class=\"__14 _1072\"/>2 454<span class=\"__14 _1104\"> </span>38 49<span class=\"__14 _1058\"/>7<span class=\"__14 _1104\"> </span>55 453<span class=\"__14 _1087\"> </span><span class=\"ff2_14\">0<span class=\"__14 _a6_7\"> </span></span>181 266<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Offen</span><span class=\"__14 _1058\"/>tlig sektor<span class=\"__14 _e1_6\"> </span>1 131<span class=\"__14 _e2_6\"> </span>848<span class=\"__14 _1092\"> </span>19<span class=\"__14 _b0_6\"> </span>3 268<span class=\"__14 _1087\"> </span><span class=\"ff2_14\">0<span class=\"__14 _b7_7\"> </span></span>5 266<span class=\"__14 _1ce\"> </span>Omv\u00e4nda repor<span class=\"__14 _e3_6\"> </span><span class=\"ff2_14\">0<span class=\"__14 _1104\"> </span></span>18 470<span class=\"__14 _b8_6\"> </span><span class=\"ff2_14\">0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1104\"> </span></span>18 470<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till allm\u00e4nheten per land<span class=\"__14 _e4_6\"> </span>77 960<span class=\"__14 _1136\"> </span>87 138<span class=\"__14 _1129\"> </span>7<span class=\"__14 _1072\"/>3 914<span class=\"__14 _1120\"> </span>105 041<span class=\"__14 _b7_7\"> </span>1 690<span class=\"__14 _5f_6\"> </span>345 7<span class=\"__14 _b_13\"/>4<span class=\"__14 _1072\"/>3    vara<span class=\"__14 _b_13\"/>v v\u00e4rderad till verkligt v\u00e4r<span class=\"__14 _1058\"/>de<span class=\"__14 _e5_6\"> </span>52 089<span class=\"__14 _1136\"> </span>18 523<span class=\"__14 _1092\"> </span>15<span class=\"__14 _b8_6\"> </span><span class=\"ff2_14\">0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1129\"> </span></span>70 627<span class=\"__14 _1ce\"> </span>1)  L\u00e5n avseende Ryssland (<span class=\"__14 _b_13\"/>4 mn euro) och Baltikum (116 mn euro) som bokf<span class=\"__14 _b_13\"/>\u00f6rts i Sverige har flyttats till \u00d6vrigt.<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till allm\u00e4nheten, v\u00e4rder<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ad till upplupet anskaffningsv\u00e4rde och v</span><span class=\"__14 _b_13\"/>erkligt v\u00e4rde<span class=\"__14 _1ce\"> </span>31 dec 2021, mn euro<span class=\"__14 _e6_6\"> </span>Danmark<span class=\"__14 _1130\"> </span>Finland<span class=\"__14 _da_6\"> </span>Norge<span class=\"__14 _6a_6\"> </span><span class=\"__14 _1ce\">Sverige1</span><span class=\"__14 _8d_6\"> </span><span class=\"__14 _1ce\">\u00d6vrigt1</span><span class=\"__14 _1130\"> </span>Summa Finansinstitut<span class=\"__14 _e7_6\"> </span><span class=\"ls1f_7 ws45_4\">2<span class=\"__14 _1072\"/> 74<span class=\"__14 _1066\"/>2<span class=\"__14 _1102\"> </span></span>1 7<span class=\"__14 _b_13\"/>45<span class=\"__14 _1156\"> </span>1 380<span class=\"__14 _b7_7\"> </span>6 769<span class=\"__14 _1155\"> </span>1 190<span class=\"__14 _1147\"> </span>13 826<span class=\"__14 _1ce\"> </span>Jordbruk<span class=\"__14 _cc_7\"> </span>5 422<span class=\"__14 _1101\"> </span>346<span class=\"__14 _1152\"> </span>2 719<span class=\"__14 _1079\"> </span><span class=\"ls14_11 ws3a_5\">176<span class=\"__14 _b8_6\"> </span></span>5<span class=\"__14 _da_6\"> </span>8 668     Gr\u00f6dor<span class=\"__14 _b_13\"/>, odling och jakt<span class=\"__14 _b9_7\"> </span>3 165<span class=\"__14 _b5_7\"> </span>189<span class=\"__14 _be_7\"> </span>106<span class=\"__14 _1153\"> </span><span class=\"ls14_11 ws3a_5\">117<span class=\"__14 _1086\"> </span></span>5<span class=\"__14 _b7_7\"> </span>3 582     Djurh\u00e5llning<span class=\"__14 _e0_6\"> </span>2 2<span class=\"__14 _1072\"/>38<span class=\"__14 _4b_6\"> </span>155<span class=\"__14 _1153\"> </span>121<span class=\"__14 _a3_6\"> </span>58<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1156\"> </span><span class=\"ls14_11 ws3a_5\">2 57<span class=\"__14 _1072\"/>2</span>     Fiske och vatt<span class=\"__14 _1058\"/>enbruk<span class=\"__14 _e8_7\"> </span>19<span class=\"__14 _1086\"> </span>2<span class=\"__14 _b7_7\"> </span>2 492<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1155\"> </span><span class=\"ls14_11 ws3a_5\">2<span class=\"__14 _1072\"/> 514<span class=\"__14 _1ce\"> </span></span>Naturresurser<span class=\"__14 _e9_7\"> </span>221<span class=\"__14 _b7_7\"> </span>1 064<span class=\"__14 _1109\"> </span>1 134<span class=\"__14 _1153\"> </span><span class=\"ls14_11 ws3a_5\">511<span class=\"__14 _4b_6\"> </span></span>210<span class=\"__14 _1156\"> </span>3 140     Pappers- och skogsproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _ea_7\"> </span>181<span class=\"__14 _e2_6\"> </span>888<span class=\"__14 _c3_6\"> </span>4<span class=\"__14 _1072\"/>35<span class=\"__14 _1151\"> </span>460<span class=\"__14 _a3_6\"> </span>94<span class=\"__14 _b7_7\"> </span>2 058     Gruvdrift och kringverksamhet<span class=\"__14 _bd_7\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _4b_6\"> </span></span>158<span class=\"__14 _4b_6\"> </span>136<span class=\"__14 _a2_6\"> </span>49<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1101\"> </span>360<span class=\"__14 _1ce\">     Olje-, gas- och offshore-verksamhet</span><span class=\"__14 _eb_6\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1092\"> </span></span>18<span class=\"__14 _1101\"> </span>563<span class=\"__14 _1086\"> </span>2<span class=\"__14 _8e_6\"> </span>116<span class=\"__14 _b5_7\"> </span>7<span class=\"__14 _1072\"/>22<span class=\"__14 _1ce\"> </span>Konsument dagligv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _ec_6\"> </span>1 533<span class=\"__14 _b7_7\"> </span>1 099<span class=\"__14 _be_7\"> </span>681<span class=\"__14 _1156\"> </span>1 590<span class=\"__14 _a2_6\"> </span>66<span class=\"__14 _da_6\"> </span>4 969     Livsmedel och drycker<span class=\"__14 _ed_6\"> </span>235<span class=\"__14 _4b_6\"> </span>277<span class=\"__14 _b5_7\"> </span>307<span class=\"__14 _1101\"> </span>405<span class=\"__14 _1093\"> </span>20<span class=\"__14 _1156\"> </span>1 244     Hush\u00e5lls- och hygienproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1108\"> </span><span class=\"ls14_11 ws3a_5\">171<span class=\"__14 _a2_6\"> </span></span>60<span class=\"__14 _4b_6\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>2<span class=\"__14 _1101\"> </span></span>486<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _be_7\"> </span>861     H\u00e4lsov\u00e5rd<span class=\"__14 _ee_7\"> </span>1 127<span class=\"__14 _b5_7\"> </span><span class=\"ls14_11 ws3a_5\">76<span class=\"__14 _1072\"/>2<span class=\"__14 _be_7\"> </span></span>232<span class=\"__14 _1101\"> </span>699<span class=\"__14 _a2_6\"> </span>44<span class=\"__14 _b0_6\"> </span>2 864<span class=\"__14 _1ce\"> </span>Konsument s\u00e4llank<span class=\"__14 _b_13\"/>\u00f6p och tj\u00e4nster<span class=\"__14 _ef_6\"> </span>2 220<span class=\"__14 _aa_6\"> </span>2 282<span class=\"__14 _b7_7\"> </span>2 4<span class=\"__14 _1072\"/>20<span class=\"__14 _da_6\"> </span>4 894<span class=\"__14 _1093\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _8d_6\"> </span></span>11 841     Konsumentk<span class=\"__14 _1058\"/>apitalvar<span class=\"__14 _b_13\"/>or<span class=\"__14 _f0_7\"> </span>167<span class=\"__14 _4b_6\"> </span><span class=\"ls14_11 ws3a_5\">314<span class=\"__14 _be_7\"> </span></span>158<span class=\"__14 _1155\"> </span>1 697<span class=\"__14 _2a_8\"> </span>21<span class=\"__14 _9b_6\"> </span>2 357     Media och underh\u00e5llning<span class=\"__14 _f1_6\"> </span>552<span class=\"__14 _1079\"> </span>371<span class=\"__14 _4b_6\"> </span>150<span class=\"__14 _b5_7\"> </span>7<span class=\"__14 _1072\"/>33<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b7_7\"> </span>1 806     Detaljhandel<span class=\"__14 _1112\"> </span><span class=\"ls1b_8 ws41_5\">723<span class=\"__14 _1156\"> </span></span>1 047<span class=\"__14 _aa_6\"> </span>1 04<span class=\"__14 _1072\"/>2<span class=\"__14 _1156\"> </span>1 656<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _b7_7\"> </span>4 472     Flygre<span class=\"__14 _1058\"/>sor<span class=\"__14 _f2_6\"> </span>58<span class=\"__14 _a3_6\"> </span>45<span class=\"__14 _1093\"> </span>87<span class=\"__14 _1092\"> </span>61<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1079\"> </span><span class=\"ls14_11 ws3a_5\">2<span class=\"__14 _1072\"/>51</span>     Logi och fritid<span class=\"__14 _f3_6\"> </span>636<span class=\"__14 _1101\"> </span>47<span class=\"__14 _1072\"/>9<span class=\"__14 _1151\"> </span>604<span class=\"__14 _c3_6\"> </span>503<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1155\"> </span>2 222     <span class=\"__14 _1058\"/>T<span class=\"__14 _1c_10\"/>elekomtj\u00e4nster<span class=\"__14 _d4_7\"> </span>84<span class=\"__14 _a3_6\"> </span>26<span class=\"__14 _b5_7\"> </span>379<span class=\"__14 _b5_7\"> </span><span class=\"ls16_11 ws3c_5\">244<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _b5_7\"> </span>7<span class=\"__14 _1072\"/>33<span class=\"__14 _1ce\"> </span>Industri<span class=\"__14 _f4_6\"> </span>7 279<span class=\"__14 _b7_7\"> </span>7 044<span class=\"__14 _aa_6\"> </span>8 851<span class=\"__14 _aa_6\"> </span>8 661<span class=\"__14 _c3_6\"> </span>365<span class=\"__14 _1129\"> </span>32 200     R\u00e5v<span class=\"__14 _1058\"/>aror<span class=\"__14 _f5_6\"> </span>547<span class=\"__14 _b5_7\"> </span>416<span class=\"__14 _b5_7\"> </span>320<span class=\"__14 _1101\"> </span>549<span class=\"__14 _1093\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _b7_7\"> </span></span>1 904     Kapitalv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _cd_6\"> </span>622<span class=\"__14 _1111\"> </span>1 711<span class=\"__14 _1101\"> </span>206<span class=\"__14 _1156\"> </span>1 029<span class=\"__14 _8e_6\"> </span>113<span class=\"__14 _1156\"> </span>3 681     Producenttj\u00e4ns<span class=\"__14 _b_13\"/>ter<span class=\"__14 _e8_7\"> </span>1 956<span class=\"__14 _1101\"> </span>887<span class=\"__14 _9b_6\"> </span>1 67<span class=\"__14 _1072\"/>7<span class=\"__14 _9b_6\"> </span>1 525<span class=\"__14 _b5_7\"> </span>108<span class=\"__14 _1155\"> </span>6 153     Byggindustri<span class=\"__14 _e1_6\"> </span>1 443<span class=\"__14 _9b_6\"> </span>1 323<span class=\"__14 _b7_7\"> </span>4 339<span class=\"__14 _aa_6\"> </span>2 2<span class=\"__14 _1072\"/>36<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _b7_7\"> </span>9 342     Partihandel<span class=\"__14 _1060\"> </span>1 903<span class=\"__14 _1152\"> </span>1 276<span class=\"__14 _1101\"> </span>887<span class=\"__14 _b7_7\"> </span>2 005<span class=\"__14 _1093\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1106\"> </span></span>6 094     Marktransport<span class=\"__14 _e1_6\"> </span>416<span class=\"__14 _1151\"> </span>989<span class=\"__14 _b5_7\"> </span>7<span class=\"__14 _1072\"/>95<span class=\"__14 _1151\"> </span>694<span class=\"__14 _1093\"> </span>45<span class=\"__14 _b7_7\"> </span>2 939     IT<span class=\"__14 _b_13\"/>-tj\u00e4nster<span class=\"__14 _f6_6\"> </span>392<span class=\"__14 _1101\"> </span>442<span class=\"__14 _be_7\"> </span>627<span class=\"__14 _c3_6\"> </span>62<span class=\"__14 _1072\"/>3<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _b7_7\"> </span>2 087<span class=\"__14 _1ce\"> </span>Sj\u00f6fart<span class=\"__14 _f7_6\"> </span>366<span class=\"__14 _8e_6\"> </span>161<span class=\"__14 _aa_6\"> </span>5 597<span class=\"__14 _1079\"> </span>133<span class=\"__14 _1101\"> </span>443<span class=\"__14 _b0_6\"> </span>6 700     V<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>vsindustri<span class=\"__14 _d2_6\"> </span>0<span class=\"__14 _a3_6\"> </span>28<span class=\"__14 _be_7\"> </span><span class=\"ls16_11 ws3c_5\">224<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b5_7\"> </span><span class=\"ls1a_9 ws40_5\">252</span>     Sj\u00f6transport<span class=\"__14 _cd_6\"> </span>222<span class=\"__14 _a3_6\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _b7_7\"> </span></span>5 035<span class=\"__14 _4b_6\"> </span><span class=\"ls16_11 ws3c_5\">1<span class=\"__14 _1072\"/>24<span class=\"__14 _1101\"> </span></span>443<span class=\"__14 _aa_6\"> </span>5 867     Sj\u00f6fartstj\u00e4ns<span class=\"__14 _1058\"/>ter<span class=\"__14 _d8_7\"> </span><span class=\"ls14_11 ws3a_5\">144<span class=\"__14 _a2_6\"> </span></span>90<span class=\"__14 _c3_6\"> </span>338<span class=\"__14 _b8_6\"> </span>9<span class=\"__14 _1087\"> </span>0<span class=\"__14 _4b_6\"> </span>581<span class=\"__14 _1ce\"> </span>Samh\u00e4llsnyttiga tj\u00e4nster<span class=\"__14 _c5_7\"> </span>1 696<span class=\"__14 _b7_7\"> </span>3 285<span class=\"__14 _b0_6\"> </span>2 090<span class=\"__14 _b7_7\"> </span>2 002<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _aa_6\"> </span>9 07<span class=\"__14 _b_13\"/>4     El, vatten och gas<span class=\"__14 _f8_6\"> </span>1 239<span class=\"__14 _aa_6\"> </span>1 606<span class=\"__14 _b7_7\"> </span>1 084<span class=\"__14 _b5_7\"> </span>720<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _da_6\"> </span>4 649     Kraftproduk<span class=\"__14 _b_13\"/>tion<span class=\"__14 _d4_7\"> </span>66<span class=\"__14 _9b_6\"> </span>1 52<span class=\"__14 _1072\"/>5<span class=\"__14 _1151\"> </span>808<span class=\"__14 _c3_6\"> </span><span class=\"ls18_10 ws3e_5\">97<span class=\"__14 _1072\"/>3<span class=\"__14 _bb_7\"> </span></span>1<span class=\"__14 _1156\"> </span>3 373     Allm\u00e4nnyttiga f<span class=\"__14 _b_13\"/>\u00f6retag<span class=\"__14 _1110\"> </span>391<span class=\"__14 _be_7\"> </span>154<span class=\"__14 _be_7\"> </span>198<span class=\"__14 _1101\"> </span>309<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1155\"> </span>1 052<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _b_13\"/>astighetsbolag<span class=\"__14 _d8_7\"> </span>9 342<span class=\"__14 _1156\"> </span>7 7<span class=\"__14 _1072\"/>29<span class=\"__14 _da_6\"> </span>9 986<span class=\"__14 _1148\"> </span><span class=\"ls14_11 ws3a_5\">17 578<span class=\"__14 _1153\"> </span>151<span class=\"__14 _1104\"> </span></span>44 786     Kommersiella fas<span class=\"__14 _b_13\"/>tigheter<span class=\"__14 _f9_6\"> </span>5 984<span class=\"__14 _b7_7\"> </span>4 334<span class=\"__14 _da_6\"> </span>8 346<span class=\"__14 _1156\"> </span>7 667<span class=\"__14 _8e_6\"> </span><span class=\"ls14_11 ws3a_5\">1<span class=\"__14 _1072\"/>51<span class=\"__14 _1104\"> </span></span>26 482     Bostadsfas<span class=\"__14 _b_13\"/>tigheter<span class=\"__14 _b3_6\"> </span>3 358<span class=\"__14 _aa_6\"> </span>3 395<span class=\"__14 _aa_6\"> </span>1 640<span class=\"__14 _1152\"> </span>9 911<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1129\"> </span>18 304<span class=\"__14 _1ce\"> </span>\u00d6vriga branscher<span class=\"__14 _cf_6\"> </span>236<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1079\"> </span>127<span class=\"__14 _be_7\"> </span>37<span class=\"__14 _1072\"/>3<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _4b_6\"> </span>737<span class=\"__14 _1ce\"> </span>Summa f\u00f6retagsk<span class=\"__14 _b_13\"/>under<span class=\"__14 _fa_6\"> </span>31 057<span class=\"__14 _1129\"> </span>24 755<span class=\"__14 _1130\"> </span>34 985<span class=\"__14 _1130\"> </span>4<span class=\"__14 _1072\"/>2 687<span class=\"__14 _b0_6\"> </span>2 459<span class=\"__14 _a6_7\"> </span>135 941   Bol\u00e5n<span class=\"__14 _dd_7\"> </span>39 332<span class=\"__14 _1148\"> </span>33 317<span class=\"__14 _1129\"> </span>37 249<span class=\"__14 _1136\"> </span>52 418<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a5_7\"> </span>162 316   L\u00e5n mot s\u00e4kerhet<span class=\"__14 _fb_6\"> </span>8 181<span class=\"__14 _9b_6\"> </span>5 513<span class=\"__14 _b7_7\"> </span>2 6<span class=\"__14 _1072\"/>47<span class=\"__14 _1156\"> </span>2 292<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1136\"> </span>18 633   L\u00e5n utan s\u00e4kerhet<span class=\"__14 _de_6\"> </span>1 014<span class=\"__14 _b7_7\"> </span>2 92<span class=\"__14 _1072\"/>3<span class=\"__14 _1151\"> </span>408<span class=\"__14 _b7_7\"> </span>2 434<span class=\"__14 _1087\"> </span>0<span class=\"__14 _aa_6\"> </span>6 7<span class=\"__14 _1072\"/>79<span class=\"__14 _1ce\"> </span>Privatkunder<span class=\"__14 _c9_7\"> </span>48 527<span class=\"__14 _1136\"> </span>41 753<span class=\"__14 _a1_6\"> </span>40 304<span class=\"__14 _1136\"> </span><span class=\"ls14_11 ws3a_5\">57 144<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _1120\"> </span>187 7<span class=\"__14 _1072\"/>28<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Offen</span><span class=\"__14 _1058\"/>tlig sektor<span class=\"__14 _d4_7\"> </span>1 168<span class=\"__14 _1101\"> </span>780<span class=\"__14 _1092\"> </span>19<span class=\"__14 _b0_6\"> </span>2 602<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b0_6\"> </span>4 569<span class=\"__14 _1ce\"> </span>Omv\u00e4nda repor<span class=\"__14 _e3_6\"> </span>0<span class=\"__14 _1147\"> </span>16 812<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1147\"> </span>16 812<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till allm\u00e4nheten per land<span class=\"__14 _e4_6\"> </span>80 752<span class=\"__14 _fc_7\"> </span>84 100<span class=\"__14 _fc_7\"> </span>75 308<span class=\"__14 _1120\"> </span>102 4<span class=\"__14 _1072\"/>33<span class=\"__14 _b0_6\"> </span>2 459<span class=\"__14 _1121\"> </span>345 050    vara<span class=\"__14 _b_13\"/>v v\u00e4rderad till verkligt v\u00e4r<span class=\"__14 _1058\"/>de<span class=\"__14 _ac_6\"> </span>58 347<span class=\"__14 _1147\"> </span>16 812<span class=\"__14 _1092\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1147\"> </span><span class=\"ls14_11 ws3a_5\">7<span class=\"__14 _1072\"/>5 176<span class=\"__14 _1ce\"> </span></span>1)  L\u00e5n avseende Ryssland (94 mn eur<span class=\"__14 _1058\"/>o) och Baltikum (162 mn euro<span class=\"__14 _b_13\"/>) som bokf\u00f6rts i Sverige har flyttats till \u00d6vrigt<span class=\"__14 _1ce\"> </span>.<span class=\"__14 _1ce\"> </span>Utl\u00e5ning v\u00e4rder<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ad till upplupet anskaff</span><span class=\"__14 _1058\"/>ningsv\u00e4rde, per br<span class=\"__14 _b_13\"/>ansch<span class=\"__14 _1ce\"> </span>Brutto<span class=\"__14 _fd_6\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>Kreditf\u00f6r-<span class=\"__14 _1ce\"> </span>luster<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">, netto1</span><span class=\"__14 _fe_6\"/>31 dec 2022, mn euro<span class=\"__14 _ff_6\"> </span>Kategori 1<span class=\"__14 _1157\"> </span>Kategori 2<span class=\"__14 _1157\"> </span>Kategori 3<span class=\"__14 _5b_6\"> </span>Kategori 1<span class=\"__14 _1157\"> </span>Kategori 2<span class=\"__14 _1157\"> </span>Kategori 3<span class=\"__14 _5f_6\"> </span>Netto<span class=\"__14 _1ce\"> </span>Finansinstitut<span class=\"__14 _1158\"> </span>14 197<span class=\"__14 _1148\"> </span>322<span class=\"__14 _1156\"> </span>62<span class=\"__14 _e2_6\"> </span>8<span class=\"__14 _1152\"> </span>10<span class=\"__14 _1155\"> </span>29<span class=\"__14 _1119\"> </span>14 534<span class=\"__14 _1148\"> </span>-49<span class=\"__14 _1ce\"> </span>Jordbruk<span class=\"__14 _1159\"> </span>4 343<span class=\"__14 _1148\"> </span>232<span class=\"__14 _8d_6\"> </span>107<span class=\"__14 _1151\"> </span>7<span class=\"__14 _1109\"> </span>15<span class=\"__14 _1155\"> </span>56<span class=\"__14 _1154\"> </span>4 604<span class=\"__14 _a4_6\"> </span>-3     Gr\u00f6dor<span class=\"__14 _b_13\"/>, odling och jakt<span class=\"__14 _1160\"> </span>949<span class=\"__14 _9b_6\"> </span>75<span class=\"__14 _1155\"> </span>20<span class=\"__14 _1151\"> </span>3<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _e2_6\"> </span>8<span class=\"__14 _1118\"> </span>1 029<span class=\"__14 _1151\"> </span>5     Djurh\u00e5llning<span class=\"__14 _1161\"> </span>619<span class=\"__14 _1106\"> </span><span class=\"ls14_11 ws3a_5\">117<span class=\"__14 _1156\"> </span></span>86<span class=\"__14 _1101\"> </span>2<span class=\"__14 _9b_6\"> </span>10<span class=\"__14 _aa_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _1148\"> </span><span class=\"ls14_11 ws3a_5\">762<span class=\"__14 _1102\"> </span></span></span>-6     Fiske och vatt<span class=\"__14 _1058\"/>enbruk<span class=\"__14 _1162\"> </span>2 775<span class=\"__14 _1156\"> </span>40<span class=\"__14 _1101\"> </span>1<span class=\"__14 _1151\"> </span>2<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _5f_6\"> </span>2 813<span class=\"__14 _a4_6\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1ce\"> </span></span>Naturresurser<span class=\"__14 _1163\"> </span>2 765<span class=\"__14 _1148\"> </span>216<span class=\"__14 _1155\"> </span>39<span class=\"__14 _1151\"> </span>2<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _1152\"> </span>18<span class=\"__14 _1121\"> </span>2 996<span class=\"__14 _1156\"> </span>26     Pappers- och skogsproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1164\"> </span>1 87<span class=\"__14 _b_13\"/>4<span class=\"__14 _9c_7\"> </span>161<span class=\"__14 _1152\"> </span>22<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1151\"> </span>3<span class=\"__14 _1152\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1121\"> </span></span>2 039<span class=\"__14 _1151\"> </span>2     Gruvdrift och kringverksamhet<span class=\"__14 _1165\"> </span>382<span class=\"__14 _1156\"> </span>30<span class=\"__14 _1151\"> </span>3<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1101\"> </span>1<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _8d_6\"> </span>413<span class=\"__14 _1111\"> </span><span class=\"ls14_11 ws3a_5\">-1</span><span class=\"__14 _1ce\">     Olje-, gas- och offshore-verksamhet</span><span class=\"__14 _1093\"> </span>509<span class=\"__14 _9b_6\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1109\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _c3_6\"> </span></span></span>1<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1151\"> </span>3<span class=\"__14 _1136\"> </span>544<span class=\"__14 _9b_6\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1ce\"> </span></span>Konsument dagligv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _e5_6\"> </span>4 882<span class=\"__14 _1148\"> </span>201<span class=\"__14 _9b_6\"> </span>87<span class=\"__14 _1132\"> </span>8<span class=\"__14 _e2_6\"> </span>8<span class=\"__14 _9b_6\"> </span>35<span class=\"__14 _7b_6\"> </span>5 119<span class=\"__14 _9c_7\"> </span><span class=\"ls16_11 ws3c_5\">-26</span>     Livsmedel och drycker<span class=\"__14 _1166\"> </span>1 685<span class=\"__14 _9c_7\"> </span><span class=\"ls14_11 ws3a_5\">114<span class=\"__14 _9b_6\"> </span><span class=\"ls1a_9 ws40_5\">52<span class=\"__14 _1101\"> </span></span></span>2<span class=\"__14 _e2_6\"> </span>3<span class=\"__14 _1102\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _5f_6\"> </span></span>1 829<span class=\"__14 _da_6\"> </span><span class=\"ls14_11 ws3a_5\">-13</span>     Hush\u00e5lls- och hygienproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1165\"> </span>592<span class=\"__14 _1155\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1152\"> </span></span>10<span class=\"__14 _1151\"> </span>2<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1151\"> </span>5<span class=\"__14 _1148\"> </span>619<span class=\"__14 _9a_6\"> </span><span class=\"ls14_11 ws3a_5\">-1</span>     H\u00e4lsov\u00e5rd<span class=\"__14 _1107\"> </span>2 605<span class=\"__14 _1155\"> </span>62<span class=\"__14 _9b_6\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1132\"> </span></span>4<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _1102\"> </span>13<span class=\"__14 _1120\"> </span>2 671<span class=\"__14 _da_6\"> </span><span class=\"ls14_11 ws3a_5\">-12<span class=\"__14 _1ce\"> </span></span>Konsument s\u00e4llank<span class=\"__14 _b_13\"/>\u00f6p och tj\u00e4nster<span class=\"__14 _1142\"> </span>10 589<span class=\"__14 _1148\"> </span>913<span class=\"__14 _1147\"> </span>287<span class=\"__14 _1152\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1156\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _8d_6\"> </span></span></span>187<span class=\"__14 _1119\"> </span>11 540<span class=\"__14 _da_6\"> </span>-31     Konsumentk<span class=\"__14 _1058\"/>apitalvar<span class=\"__14 _b_13\"/>or<span class=\"__14 _10a_6\"> </span>2 382<span class=\"__14 _1148\"> </span>192<span class=\"__14 _1156\"> </span>44<span class=\"__14 _1101\"> </span>2<span class=\"__14 _1132\"> </span>6<span class=\"__14 _9b_6\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1121\"> </span></span>2 586<span class=\"__14 _da_6\"> </span><span class=\"ls14_11 ws3a_5\">-12</span>     Media och underh\u00e5llning<span class=\"__14 _10b_6\"> </span>1 763<span class=\"__14 _8d_6\"> </span>135<span class=\"__14 _1156\"> </span>20<span class=\"__14 _1151\"> </span>2<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _1111\"> </span>11<span class=\"__14 _1121\"> </span>1 899<span class=\"__14 _a4_6\"> </span><span class=\"ls16_11 ws3c_5\">-2</span>     Detaljhandel<span class=\"__14 _10c_6\"> </span>4 156<span class=\"__14 _1148\"> </span>272<span class=\"__14 _1148\"> </span>180<span class=\"__14 _1132\"> </span>8<span class=\"__14 _1155\"> </span>20<span class=\"__14 _8d_6\"> </span>118<span class=\"__14 _1121\"> </span>4 462<span class=\"__14 _1106\"> </span><span class=\"ls14_11 ws3a_5\">-18</span>     Flygre<span class=\"__14 _1058\"/>sor<span class=\"__14 _d7_6\"> </span>96<span class=\"__14 _9b_6\"> </span>35<span class=\"__14 _1102\"> </span>12<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1101\"> </span>2<span class=\"__14 _1132\"> </span>8<span class=\"__14 _8d_6\"> </span>133<span class=\"__14 _1109\"> </span>-6     Logi och fritid<span class=\"__14 _3c_8\"> </span>1 4<span class=\"__14 _1072\"/>21<span class=\"__14 _1147\"> </span>263<span class=\"__14 _1155\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1101\"> </span></span>2<span class=\"__14 _9b_6\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _9b_6\"> </span></span>20<span class=\"__14 _5f_6\"> </span>1 673<span class=\"__14 _e2_6\"> </span>4     <span class=\"__14 _1058\"/>T<span class=\"__14 _1c_10\"/>elekomtj\u00e4nster<span class=\"__14 _bd_7\"> </span>771<span class=\"__14 _1109\"> </span>16<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _1132\"> </span>0<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1132\"> </span>6<span class=\"__14 _1148\"> </span>787<span class=\"__14 _1151\"> </span>3<span class=\"__14 _1ce\"> </span>Industri<span class=\"__14 _10d_6\"> </span>31 090<span class=\"__14 _8c_6\"> </span>2 900<span class=\"__14 _1136\"> </span>54<span class=\"__14 _1072\"/>2<span class=\"__14 _9b_6\"> </span>53<span class=\"__14 _1147\"> </span>100<span class=\"__14 _1147\"> </span>293<span class=\"__14 _8b_6\"> </span>34 086<span class=\"__14 _1106\"> </span>-52     R\u00e5v<span class=\"__14 _1058\"/>aror<span class=\"__14 _c5_7\"> </span>2 406<span class=\"__14 _1147\"> </span>166<span class=\"__14 _1155\"> </span>39<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _1109\"> </span>13<span class=\"__14 _1121\"> </span>2 590<span class=\"__14 _1151\"> </span>7     Kapitalv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _10e_6\"> </span>3 370<span class=\"__14 _1136\"> </span>436<span class=\"__14 _1102\"> </span>71<span class=\"__14 _1151\"> </span>5<span class=\"__14 _a4_6\"> </span>11<span class=\"__14 _1155\"> </span>39<span class=\"__14 _1118\"> </span>3 822<span class=\"__14 _a4_6\"> </span>11     Producenttj\u00e4ns<span class=\"__14 _b_13\"/>ter<span class=\"__14 _10f_6\"> </span>5 950<span class=\"__14 _1136\"> </span>434<span class=\"__14 _1156\"> </span>44<span class=\"__14 _9b_6\"> </span>10<span class=\"__14 _1102\"> </span>15<span class=\"__14 _1155\"> </span>20<span class=\"__14 _8c_6\"> </span>6 383<span class=\"__14 _1101\"> </span>2     Byggindustri<span class=\"__14 _10c_6\"> </span><span class=\"ls14_11 ws3a_5\">8 142<span class=\"__14 _1147\"> </span></span>825<span class=\"__14 _1148\"> </span>164<span class=\"__14 _1109\"> </span>15<span class=\"__14 _1155\"> </span>34<span class=\"__14 _1147\"> </span>106<span class=\"__14 _1121\"> </span><span class=\"ls14_11 ws3a_5\">8 976<span class=\"__14 _1106\"> </span></span>-37     Partihandel<span class=\"__14 _f9_6\"> </span>6 801<span class=\"__14 _1136\"> </span>696<span class=\"__14 _aa_6\"> </span><span class=\"ls21_7 ws47_3\">64<span class=\"__14 _1132\"> </span></span>8<span class=\"__14 _9b_6\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1156\"> </span></span>40<span class=\"__14 _8c_6\"> </span>7 4<span class=\"__14 _1072\"/>89<span class=\"__14 _1102\"> </span>-9     Marktransport<span class=\"__14 _2d_8\"> </span>2 535<span class=\"__14 _1147\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1072\"/>3<span class=\"__14 _1156\"> </span></span>94<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _9b_6\"> </span>55<span class=\"__14 _8c_6\"> </span>2 805<span class=\"__14 _b0_6\"> </span><span class=\"ls14_11 ws3a_5\">-17</span>     IT<span class=\"__14 _b_13\"/>-tj\u00e4nster<span class=\"__14 _1107\"> </span>1 886<span class=\"__14 _1147\"> </span>100<span class=\"__14 _1156\"> </span>66<span class=\"__14 _e2_6\"> </span>5<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _1155\"> </span>20<span class=\"__14 _5f_6\"> </span>2 021<span class=\"__14 _1102\"> </span>-9<span class=\"__14 _1ce\"> </span>Sj\u00f6fart<span class=\"__14 _1167\"> </span>5 521<span class=\"__14 _1136\"> </span>360<span class=\"__14 _1156\"> </span>66<span class=\"__14 _1152\"> </span>19<span class=\"__14 _e2_6\"> </span>5<span class=\"__14 _1102\"> </span>31<span class=\"__14 _1121\"> </span>5 892<span class=\"__14 _1155\"> </span><span class=\"ls1b_8 ws41_5\">23</span>     V<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>vsindustri<span class=\"__14 _1163\"> </span>119<span class=\"__14 _1132\"> </span>6<span class=\"__14 _1151\"> </span>3<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1151\"> </span>3<span class=\"__14 _8d_6\"> </span><span class=\"ls16_11 ws3c_5\">1<span class=\"__14 _1072\"/>24<span class=\"__14 _c3_6\"> </span></span>1     Sj\u00f6transport<span class=\"__14 _1168\"> </span>5 116<span class=\"__14 _1147\"> </span>353<span class=\"__14 _1155\"> </span>63<span class=\"__14 _1102\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1151\"> </span></span>5<span class=\"__14 _1155\"> </span>28<span class=\"__14 _1121\"> </span>5 482<span class=\"__14 _9b_6\"> </span>22     Sj\u00f6fartstj\u00e4ns<span class=\"__14 _1058\"/>ter<span class=\"__14 _1169\"> </span>286<span class=\"__14 _1101\"> </span>1<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1132\"> </span>0<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1136\"> </span>286<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1ce\"> </span>Samh\u00e4llsnyttiga tj\u00e4nster<span class=\"__14 _ad_6\"> </span>6 896<span class=\"__14 _1106\"> </span><span class=\"ls14_11 ws3a_5\">117<span class=\"__14 _1109\"> </span></span>16<span class=\"__14 _1151\"> </span>5<span class=\"__14 _1132\"> </span>4<span class=\"__14 _1101\"> </span>7<span class=\"__14 _5f_6\"> </span>7 013<span class=\"__14 _1132\"> </span>8     El, vatten och gas<span class=\"__14 _1170\"> </span>3 413<span class=\"__14 _1155\"> </span>78<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _1151\"> </span>2<span class=\"__14 _1101\"> </span>2<span class=\"__14 _e2_6\"> </span>3<span class=\"__14 _8c_6\"> </span>3 490<span class=\"__14 _1132\"> </span>8     Kraftproduk<span class=\"__14 _b_13\"/>tion<span class=\"__14 _1171\"> </span>2 962<span class=\"__14 _a4_6\"> </span>11<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1151\"> </span>2<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1120\"> </span>2 971<span class=\"__14 _a4_6\"> </span><span class=\"ls16_11 ws3c_5\">-2</span>     Allm\u00e4nnyttiga f<span class=\"__14 _b_13\"/>\u00f6retag<span class=\"__14 _e4_6\"> </span>521<span class=\"__14 _1156\"> </span>28<span class=\"__14 _e2_6\"> </span>9<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1101\"> </span>2<span class=\"__14 _e2_6\"> </span>3<span class=\"__14 _1147\"> </span>55<span class=\"__14 _1072\"/>2<span class=\"__14 _1151\"> </span>2<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _b_13\"/>astighetsbolag<span class=\"__14 _2d_8\"> </span>36 325<span class=\"__14 _8d_6\"> </span><span class=\"ls1f_7 ws45_4\">745<span class=\"__14 _9c_7\"> </span><span class=\"ls14_11 ws3a_5\">145<span class=\"__14 _9b_6\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1152\"> </span></span></span></span>18<span class=\"__14 _1156\"> </span>85<span class=\"__14 _5a_6\"> </span>37 089<span class=\"__14 _9b_6\"> </span>32<span class=\"__14 _1ce\"> </span>\u00d6vriga branscher<span class=\"__14 _10c_6\"> </span>169<span class=\"__14 _1106\"> </span><span class=\"ls14_11 ws3a_5\">1<span class=\"__14 _1072\"/>17<span class=\"__14 _1101\"> </span></span>7<span class=\"__14 _1132\"> </span>4<span class=\"__14 _1155\"> </span>20<span class=\"__14 _1151\"> </span>2<span class=\"__14 _1148\"> </span>267<span class=\"__14 _1102\"> </span>-3<span class=\"__14 _1ce\"> </span>Summa f\u00f6retagsk<span class=\"__14 _b_13\"/>under<span class=\"__14 _1172\"> </span>116 777<span class=\"__14 _1118\"> </span>6 12<span class=\"__14 _1072\"/>3<span class=\"__14 _1118\"> </span>1 358<span class=\"__14 _1147\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>3<span class=\"__14 _1147\"> </span></span>2<span class=\"__14 _1072\"/>32<span class=\"__14 _1147\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _1066\"/>3<span class=\"__14 _1135\"> </span></span>12<span class=\"__14 _1072\"/>3 140<span class=\"__14 _9c_7\"> </span><span class=\"ls22_6 ws48_3\">-7<span class=\"__14 _1072\"/>5</span>   Bol\u00e5n<span class=\"__14 _c1_6\"> </span>116 404<span class=\"__14 _8c_6\"> </span><span class=\"ls16_11 ws3c_5\">4 24<span class=\"__14 _1072\"/>8<span class=\"__14 _1147\"> </span></span>435<span class=\"__14 _1109\"> </span>15<span class=\"__14 _1155\"> </span>45<span class=\"__14 _1156\"> </span>86<span class=\"__14 _1135\"> </span>120 941<span class=\"__14 _8d_6\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1072\"/>9</span>   L\u00e5n mot s\u00e4kerhet<span class=\"__14 _1173\"> </span>18 488<span class=\"__14 _5f_6\"> </span>1 543<span class=\"__14 _1136\"> </span>264<span class=\"__14 _1155\"> </span>38<span class=\"__14 _1156\"> </span>50<span class=\"__14 _1106\"> </span>115<span class=\"__14 _3f_8\"> </span>20 092<span class=\"__14 _1156\"> </span>46   L\u00e5n utan s\u00e4kerhet<span class=\"__14 _1174\"> </span>4 910<span class=\"__14 _1147\"> </span>795<span class=\"__14 _1148\"> </span><span class=\"ls14_11 ws3a_5\">146<span class=\"__14 _1152\"> </span></span>19<span class=\"__14 _1152\"> </span>81<span class=\"__14 _1152\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _1120\"> </span></span>5 677<span class=\"__14 _9c_7\"> </span>-62<span class=\"__14 _1ce\"> </span>Privatkunder<span class=\"__14 _1175\"> </span>139 802<span class=\"__14 _1154\"> </span>6 586<span class=\"__14 _1129\"> </span>845<span class=\"__14 _9b_6\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _1148\"> </span><span class=\"ls14_11 ws3a_5\">176<span class=\"__14 _1148\"> </span></span></span>275<span class=\"__14 _1127\"> </span>146 710<span class=\"__14 _1148\"> </span>-<span class=\"__14 _1072\"/>45<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Offen</span><span class=\"__14 _1058\"/>tlig sektor<span class=\"__14 _1ce\"> </span>5 161<span class=\"__14 _aa_6\"> </span>69<span class=\"__14 _1155\"> </span>39<span class=\"__14 _1101\"> </span>1<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1151\"> </span>2<span class=\"__14 _1121\"> </span>5 266<span class=\"__14 _1132\"> </span>8<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till allm\u00e4nheten <span class=\"__14 _1085\"> </span>261 7<span class=\"__14 _b_13\"/>40<span class=\"__14 _1098\"> </span>12 778<span class=\"__14 _1118\"> </span><span class=\"ls16_11 ws3c_5\">2 242<span class=\"__14 _8d_6\"> </span></span>216<span class=\"__14 _fc_7\"> </span>408<span class=\"__14 _1118\"> </span>1 020<span class=\"__14 _1135\"> </span>275 116<span class=\"__14 _1104\"> </span>-112<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till kreditinstitut och centralbank<span class=\"__14 _b_13\"/>er<span class=\"__14 _f9_6\"> </span>2 845<span class=\"__14 _1132\"> </span>8<span class=\"__14 _1152\"> </span>13<span class=\"__14 _1132\"> </span>4<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1155\"> </span><span class=\"ls21_7 ws47_3\">25<span class=\"__14 _1118\"> </span></span>2 837<span class=\"__14 _7e_6\"> </span>0<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _d5_6\"> </span>26<span class=\"__14 _1072\"/>4 585<span class=\"__14 _3b_8\"> </span>12 786<span class=\"__14 _1118\"> </span>2 255<span class=\"__14 _1136\"> </span>220<span class=\"__14 _1104\"> </span>408<span class=\"__14 _1121\"> </span>1 045<span class=\"__14 _1127\"> </span>277 953<span class=\"__14 _fc_7\"> </span>-112<span class=\"__14 _1ce\"> </span>1) T<span class=\"__14 _1c_10\"/>abellen visar kreditf\u00f6rluster p\u00e5 e<span class=\"__14 _b_13\"/>xponeringar i och utanf\u00f6r balansr\u00e4kningen f\u00f6r hel\u00e5r<span class=\"__14 _1058\"/>et 2022<span class=\"__14 _1ce\"> </span>.<span class=\"__14 _1ce\"> </span>Utl\u00e5ning v\u00e4rder<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ad till upplupet anskaff</span><span class=\"__14 _1058\"/>ningsv\u00e4rde, per br<span class=\"__14 _b_13\"/>ansch<span class=\"__14 _1ce\"> </span>Brutto<span class=\"__14 _fd_6\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>Kreditf\u00f6r-<span class=\"__14 _1ce\"> </span>luster<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">, netto1</span><span class=\"__14 _fe_6\"/>31 dec 2021, mn euro<span class=\"__14 _1176\"> </span>Kategori 1<span class=\"__14 _1157\"> </span>Kategori 2<span class=\"__14 _1157\"> </span>Kategori 3<span class=\"__14 _5b_6\"> </span>Kategori 1<span class=\"__14 _1157\"> </span>Kategori 2<span class=\"__14 _1157\"> </span>Kategori 3<span class=\"__14 _5f_6\"> </span>Netto<span class=\"__14 _1ce\"> </span>Finansinstitut<span class=\"__14 _f9_6\"> </span>12 972<span class=\"__14 _1148\"> </span>186<span class=\"__14 _1156\"> </span>59<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _e2_6\"> </span>8<span class=\"__14 _1155\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _8f_6\"> </span></span>13 179<span class=\"__14 _1155\"> </span>29<span class=\"__14 _1ce\"> </span>Jordbruk<span class=\"__14 _4f_6\"> </span>4 124<span class=\"__14 _1136\"> </span>204<span class=\"__14 _1148\"> </span>136<span class=\"__14 _1151\"> </span>5<span class=\"__14 _1102\"> </span>12<span class=\"__14 _1155\"> </span>82<span class=\"__14 _1121\"> </span>4 365<span class=\"__14 _9b_6\"> </span>16     Gr\u00f6dor<span class=\"__14 _b_13\"/>, odling och jakt<span class=\"__14 _e5_6\"> </span><span class=\"ls18_10 ws3e_5\">970<span class=\"__14 _9b_6\"> </span><span class=\"ls1d_8 ws43_5\">79<span class=\"__14 _1155\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1151\"> </span></span></span></span>2<span class=\"__14 _1151\"> </span>5<span class=\"__14 _1102\"> </span>15<span class=\"__14 _5f_6\"> </span>1 052<span class=\"__14 _1151\"> </span>2     Djurh\u00e5llning<span class=\"__14 _11a_7\"> </span>670<span class=\"__14 _8d_6\"> </span>101<span class=\"__14 _1148\"> </span>109<span class=\"__14 _1101\"> </span>1<span class=\"__14 _1101\"> </span>7<span class=\"__14 _aa_6\"> </span>66<span class=\"__14 _1129\"> </span>806<span class=\"__14 _e2_6\"> </span>8     Fiske och vatt<span class=\"__14 _1058\"/>enbruk<span class=\"__14 _1160\"> </span>2 484<span class=\"__14 _1155\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1101\"> </span></span>2<span class=\"__14 _1151\"> </span>2<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1101\"> </span>1<span class=\"__14 _1118\"> </span>2 507<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _1ce\"> </span>Naturresurser<span class=\"__14 _d9_6\"> </span>2 606<span class=\"__14 _1147\"> </span>184<span class=\"__14 _1148\"> </span><span class=\"ls14_11 ws3a_5\">575<span class=\"__14 _1151\"> </span></span>4<span class=\"__14 _1132\"> </span>4<span class=\"__14 _1147\"> </span>345<span class=\"__14 _5f_6\"> </span>3 012<span class=\"__14 _da_6\"> </span><span class=\"ls14_11 ws3a_5\">-15</span>     Pappers- och skogsproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1165\"> </span><span class=\"ls1b_8 ws41_5\">1 777<span class=\"__14 _8d_6\"> </span></span>155<span class=\"__14 _1155\"> </span>32<span class=\"__14 _1101\"> </span>2<span class=\"__14 _1132\"> </span>4<span class=\"__14 _1152\"> </span>16<span class=\"__14 _1118\"> </span>1 94<span class=\"__14 _1072\"/>2<span class=\"__14 _1132\"> </span>8     Gruvdrift och kringverksamhet<span class=\"__14 _1165\"> </span>329<span class=\"__14 _1155\"> </span>26<span class=\"__14 _1151\"> </span>3<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1132\"> </span>0<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1147\"> </span>356<span class=\"__14 _1151\"> </span>2<span class=\"__14 _1ce\">     Olje-, gas- och offshore-verksamhet</span><span class=\"__14 _1093\"> </span>500<span class=\"__14 _1151\"> </span>3<span class=\"__14 _1136\"> </span>540<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1147\"> </span>328<span class=\"__14 _8d_6\"> </span><span class=\"ls14_11 ws3a_5\">714<span class=\"__14 _1106\"> </span><span class=\"ls16_11 ws3c_5\">-25<span class=\"__14 _1ce\"> </span></span></span>Konsument dagligv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _ac_6\"> </span>4 239<span class=\"__14 _8d_6\"> </span><span class=\"ls14_11 ws3a_5\">142<span class=\"__14 _1102\"> </span>17<span class=\"__14 _e2_6\"> </span></span>4<span class=\"__14 _1111\"> </span>11<span class=\"__14 _1152\"> </span>10<span class=\"__14 _1121\"> </span>4 37<span class=\"__14 _1072\"/>3<span class=\"__14 _1109\"> </span>13     Livsmedel och drycker<span class=\"__14 _11b_7\"> </span>1 131<span class=\"__14 _9b_6\"> </span><span class=\"ls14_11 ws3a_5\">76<span class=\"__14 _1151\"> </span></span>5<span class=\"__14 _1151\"> </span>2<span class=\"__14 _1151\"> </span>3<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _5f_6\"> </span>1 203<span class=\"__14 _e2_6\"> </span>4     Hush\u00e5lls- och hygienproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _11c_7\"> </span>701<span class=\"__14 _1152\"> </span>18<span class=\"__14 _1152\"> </span>10<span class=\"__14 _1101\"> </span>1<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _1148\"> </span><span class=\"ls1b_8 ws41_5\">723<span class=\"__14 _c3_6\"> </span></span>1     H\u00e4lsov\u00e5rd<span class=\"__14 _11d_7\"> </span>2 407<span class=\"__14 _aa_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _1151\"> </span></span>2<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1101\"> </span>7<span class=\"__14 _1151\"> </span>2<span class=\"__14 _1121\"> </span>2 447<span class=\"__14 _e2_6\"> </span>8<span class=\"__14 _1ce\"> </span>Konsument s\u00e4llank<span class=\"__14 _b_13\"/>\u00f6p och tj\u00e4nster<span class=\"__14 _1139\"> </span>9 376<span class=\"__14 _5f_6\"> </span>1 075<span class=\"__14 _1147\"> </span>263<span class=\"__14 _a4_6\"> </span>11<span class=\"__14 _9b_6\"> </span>55<span class=\"__14 _1148\"> </span>166<span class=\"__14 _4e_6\"> </span>10 482<span class=\"__14 _1106\"> </span>-81     Konsumentk<span class=\"__14 _1058\"/>apitalvar<span class=\"__14 _b_13\"/>or<span class=\"__14 _11e_7\"> </span>2 166<span class=\"__14 _1148\"> </span>126<span class=\"__14 _1155\"> </span>30<span class=\"__14 _1151\"> </span>2<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _1102\"> </span>13<span class=\"__14 _5f_6\"> </span>2 301<span class=\"__14 _1132\"> </span>6     Media och underh\u00e5llning<span class=\"__14 _11f_7\"> </span>1 394<span class=\"__14 _9c_7\"> </span>127<span class=\"__14 _9b_6\"> </span>18<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _e2_6\"> </span>8<span class=\"__14 _1152\"> </span>10<span class=\"__14 _5f_6\"> </span>1 520<span class=\"__14 _1132\"> </span>6     Detaljhandel<span class=\"__14 _1177\"> </span>3 796<span class=\"__14 _1147\"> </span>256<span class=\"__14 _8d_6\"> </span><span class=\"ls14_11 ws3a_5\">178<span class=\"__14 _1151\"> </span></span>5<span class=\"__14 _1102\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _9c_7\"> </span></span>118<span class=\"__14 _1154\"> </span>4 090<span class=\"__14 _1106\"> </span><span class=\"ls1f_7 ws45_4\">-<span class=\"__14 _1072\"/>74</span>     Flygre<span class=\"__14 _1058\"/>sor<span class=\"__14 _ed_6\"> </span>131<span class=\"__14 _1155\"> </span>62<span class=\"__14 _e2_6\"> </span>5<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1101\"> </span>2<span class=\"__14 _e2_6\"> </span>2<span class=\"__14 _8d_6\"> </span>193<span class=\"__14 _1132\"> </span>6     Logi och fritid<span class=\"__14 _1169\"> </span><span class=\"ls16_11 ws3c_5\">1 24<span class=\"__14 _1072\"/>2<span class=\"__14 _1136\"> </span></span>499<span class=\"__14 _9b_6\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1151\"> </span></span>2<span class=\"__14 _1152\"> </span>22<span class=\"__14 _1152\"> </span>16<span class=\"__14 _5f_6\"> </span>1 7<span class=\"__14 _1072\"/>26<span class=\"__14 _1106\"> </span><span class=\"ls16_11 ws3c_5\">-25</span>     <span class=\"__14 _1058\"/>T<span class=\"__14 _1c_10\"/>elekomtj\u00e4nster<span class=\"__14 _1178\"> </span>647<span class=\"__14 _1151\"> </span>5<span class=\"__14 _1101\"> </span>7<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1101\"> </span>7<span class=\"__14 _1136\"> </span>65<span class=\"__14 _1072\"/>2<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1ce\"> </span>Industri<span class=\"__14 _10d_6\"> </span>27 346<span class=\"__14 _1118\"> </span>2 333<span class=\"__14 _1147\"> </span>682<span class=\"__14 _9b_6\"> </span>41<span class=\"__14 _1155\"> </span>95<span class=\"__14 _1147\"> </span><span class=\"ls16_11 ws3c_5\">3<span class=\"__14 _1072\"/>24<span class=\"__14 _3b_8\"> </span></span>29 901<span class=\"__14 _9b_6\"> </span>32     R\u00e5v<span class=\"__14 _1058\"/>aror<span class=\"__14 _1179\"> </span>1 722<span class=\"__14 _8d_6\"> </span>156<span class=\"__14 _1156\"> </span>59<span class=\"__14 _1151\"> </span>3<span class=\"__14 _1151\"> </span>5<span class=\"__14 _1156\"> </span>30<span class=\"__14 _1118\"> </span>1 899<span class=\"__14 _1155\"> </span>35     Kapitalv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _10e_6\"> </span><span class=\"ls14_11 ws3a_5\">3 14<span class=\"__14 _1072\"/>8<span class=\"__14 _8d_6\"> </span></span>415<span class=\"__14 _1148\"> </span><span class=\"ls16_11 ws3c_5\">1<span class=\"__14 _1072\"/>24<span class=\"__14 _1151\"> </span></span>3<span class=\"__14 _1109\"> </span>16<span class=\"__14 _1156\"> </span>58<span class=\"__14 _1118\"> </span>3 610<span class=\"__14 _1111\"> </span><span class=\"ls23_6 ws49_3\">-7</span>     Producenttj\u00e4ns<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1180\"> </span>4 779<span class=\"__14 _1148\"> </span>353<span class=\"__14 _aa_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _1151\"> </span></span>7<span class=\"__14 _1102\"> </span>15<span class=\"__14 _1152\"> </span>27<span class=\"__14 _a6_7\"> </span>5 131<span class=\"__14 _1152\"> </span>18     Byggindustri<span class=\"__14 _10c_6\"> </span>7 837<span class=\"__14 _1136\"> </span>685<span class=\"__14 _1136\"> </span>200<span class=\"__14 _1152\"> </span>13<span class=\"__14 _1155\"> </span>30<span class=\"__14 _9c_7\"> </span>101<span class=\"__14 _1121\"> </span>8 578<span class=\"__14 _1106\"> </span><span class=\"ls14_11 ws3a_5\">-19</span>     Partihandel<span class=\"__14 _1158\"> </span>5 452<span class=\"__14 _1136\"> </span>434<span class=\"__14 _1152\"> </span><span class=\"ls1b_8 ws41_5\">77<span class=\"__14 _1151\"> </span></span>7<span class=\"__14 _a4_6\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1156\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _8c_6\"> </span></span></span>5 896<span class=\"__14 _1155\"> </span>29     Marktransport<span class=\"__14 _1181\"> </span>2 596<span class=\"__14 _1148\"> </span>218<span class=\"__14 _1148\"> </span>106<span class=\"__14 _1132\"> </span>4<span class=\"__14 _e2_6\"> </span>6<span class=\"__14 _aa_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _1121\"> </span></span>2 862<span class=\"__14 _da_6\"> </span><span class=\"ls14_11 ws3a_5\">-15</span>     IT<span class=\"__14 _b_13\"/>-tj\u00e4nster<span class=\"__14 _1150\"> </span>1 812<span class=\"__14 _1152\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _aa_6\"> </span></span>68<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _1132\"> </span>6<span class=\"__14 _a4_6\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _5f_6\"> </span></span>1 925<span class=\"__14 _1102\"> </span>-9<span class=\"__14 _1ce\"> </span>Sj\u00f6fart<span class=\"__14 _1167\"> </span>5 75<span class=\"__14 _1058\"/>7<span class=\"__14 _1104\"> </span>4<span class=\"__14 _1072\"/>80<span class=\"__14 _1136\"> </span>505<span class=\"__14 _1101\"> </span>7<span class=\"__14 _1151\"> </span>7<span class=\"__14 _8d_6\"> </span>152<span class=\"__14 _1118\"> </span><span class=\"ls14_11 ws3a_5\">6 576<span class=\"__14 _da_6\"> </span>-1<span class=\"__14 _1072\"/>2</span>     V<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>vsindustri<span class=\"__14 _1182\"> </span><span class=\"ls16_11 ws3c_5\">248<span class=\"__14 _1151\"> </span></span>6<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1101\"> </span>2<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1148\"> </span><span class=\"ls1a_9 ws40_5\">252<span class=\"__14 _1132\"> </span></span>4     Sj\u00f6transport<span class=\"__14 _1183\"> </span>5 043<span class=\"__14 _1147\"> </span>47<span class=\"__14 _1072\"/>2<span class=\"__14 _1136\"> </span>505<span class=\"__14 _1151\"> </span>5<span class=\"__14 _1101\"> </span>7<span class=\"__14 _1106\"> </span><span class=\"ls14_11 ws3a_5\">151<span class=\"__14 _1118\"> </span></span>5 857<span class=\"__14 _da_6\"> </span><span class=\"ls14_11 ws3a_5\">-17</span>     Sj\u00f6fartstj\u00e4ns<span class=\"__14 _1058\"/>ter<span class=\"__14 _ea_7\"> </span>466<span class=\"__14 _1151\"> </span>2<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1132\"> </span>0<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1147\"> </span>467<span class=\"__14 _1101\"> </span>1<span class=\"__14 _1ce\"> </span>Samh\u00e4llsnyttiga tj\u00e4nster<span class=\"__14 _11b_7\"> </span>7 546<span class=\"__14 _8d_6\"> </span>154<span class=\"__14 _1156\"> </span>45<span class=\"__14 _1132\"> </span>4<span class=\"__14 _1101\"> </span>7<span class=\"__14 _1155\"> </span>29<span class=\"__14 _1118\"> </span>7 705<span class=\"__14 _b7_7\"> </span><span class=\"ls14_11 ws3a_5\">-11</span>     El, vatten och gas<span class=\"__14 _1173\"> </span>3 540<span class=\"__14 _8d_6\"> </span>116<span class=\"__14 _1155\"> </span>29<span class=\"__14 _1101\"> </span>2<span class=\"__14 _e2_6\"> </span>5<span class=\"__14 _a4_6\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1118\"> </span></span>3 661<span class=\"__14 _1109\"> </span>-6     Kraftproduk<span class=\"__14 _b_13\"/>tion<span class=\"__14 _1171\"> </span>3 326<span class=\"__14 _1155\"> </span>20<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1132\"> </span>0<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1118\"> </span>3 345<span class=\"__14 _e2_6\"> </span>2     Allm\u00e4nnyttiga f<span class=\"__14 _b_13\"/>\u00f6retag<span class=\"__14 _1184\"> </span>680<span class=\"__14 _1152\"> </span>18<span class=\"__14 _1109\"> </span>15<span class=\"__14 _1151\"> </span>2<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1111\"> </span>11<span class=\"__14 _1129\"> </span>699<span class=\"__14 _1111\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _1ce\"> </span></span>F<span class=\"__14 _b_13\"/>astighetsbolag<span class=\"__14 _1181\"> </span>35 664<span class=\"__14 _1118\"> </span>1 029<span class=\"__14 _1148\"> </span>182<span class=\"__14 _9b_6\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1155\"> </span><span class=\"ls24_6 ws4a_3\">42<span class=\"__14 _1106\"> </span><span class=\"ls14_11 ws3a_5\">117<span class=\"__14 _5a_6\"> </span></span></span></span>36 692<span class=\"__14 _8d_6\"> </span>-44<span class=\"__14 _1ce\"> </span>\u00d6vriga branscher<span class=\"__14 _10c_6\"> </span>427<span class=\"__14 _1147\"> </span>196<span class=\"__14 _e2_6\"> </span>8<span class=\"__14 _1151\"> </span>5<span class=\"__14 _c3_6\"> </span>1<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1147\"> </span>625<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1ce\"> </span>Summa f\u00f6retagsk<span class=\"__14 _b_13\"/>under<span class=\"__14 _1080\"> </span>110 057<span class=\"__14 _1154\"> </span>5 983<span class=\"__14 _1118\"> </span>2 472<span class=\"__14 _1106\"> </span>111<span class=\"__14 _1147\"> </span><span class=\"ls16_11 ws3c_5\">242<span class=\"__14 _1118\"> </span></span>1 249<span class=\"__14 _1135\"> </span>116 910<span class=\"__14 _9c_7\"> </span><span class=\"ls22_6 ws48_3\">-7<span class=\"__14 _1072\"/>3</span>   Bol\u00e5n<span class=\"__14 _d7_6\"> </span>118 361<span class=\"__14 _1121\"> </span>4 287<span class=\"__14 _1148\"> </span>477<span class=\"__14 _1109\"> </span>15<span class=\"__14 _1155\"> </span>38<span class=\"__14 _aa_6\"> </span>88<span class=\"__14 _1127\"> </span>122 984<span class=\"__14 _1106\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _1072\"/>2</span>   L\u00e5n mot s\u00e4kerhet<span class=\"__14 _1122\"> </span>17 270<span class=\"__14 _1121\"> </span>1 308<span class=\"__14 _8d_6\"> </span>310<span class=\"__14 _1156\"> </span>47<span class=\"__14 _1156\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _8d_6\"> </span></span>161<span class=\"__14 _1119\"> </span>18 632<span class=\"__14 _1152\"> </span>27   L\u00e5n utan s\u00e4kerhet<span class=\"__14 _1174\"> </span>5 708<span class=\"__14 _1121\"> </span>1 054<span class=\"__14 _8d_6\"> </span>219<span class=\"__14 _1109\"> </span>21<span class=\"__14 _1102\"> </span>71<span class=\"__14 _9c_7\"> </span>110<span class=\"__14 _1121\"> </span>6 7<span class=\"__14 _1072\"/>79<span class=\"__14 _e2_6\"> </span>4<span class=\"__14 _1ce\"> </span>Privatkunder<span class=\"__14 _1185\"> </span>141 339<span class=\"__14 _1115\"> </span>6 649<span class=\"__14 _1121\"> </span>1 006<span class=\"__14 _aa_6\"> </span>83<span class=\"__14 _8d_6\"> </span><span class=\"ls14_11 ws3a_5\">157<span class=\"__14 _1147\"> </span></span>359<span class=\"__14 _1074\"> </span>148 395<span class=\"__14 _9c_7\"> </span>-41<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Offen</span><span class=\"__14 _1058\"/>tlig sektor<span class=\"__14 _1ce\"> </span>4 436<span class=\"__14 _8d_6\"> </span>101<span class=\"__14 _1156\"> </span>34<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1151\"> </span>2<span class=\"__14 _8c_6\"> </span>4 569<span class=\"__14 _1152\"> </span><span class=\"ls1b_8 ws41_5\">-4<span class=\"__14 _1ce\"> </span></span>Utl\u00e5ning till allm\u00e4nheten <span class=\"__14 _1186\"> </span>255 832<span class=\"__14 _1098\"> </span>12 733<span class=\"__14 _1120\"> </span>3 512<span class=\"__14 _1147\"> </span>194<span class=\"__14 _1129\"> </span>399<span class=\"__14 _5f_6\"> </span>1 610<span class=\"__14 _5d_6\"> </span>269 874<span class=\"__14 _a1_6\"> </span>-118<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till kreditinstitut och centralbank<span class=\"__14 _b_13\"/>er<span class=\"__14 _1182\"> </span>1 785<span class=\"__14 _1152\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1132\"> </span></span>0<span class=\"__14 _1151\"> </span>3<span class=\"__14 _1132\"> </span>0<span class=\"__14 _e2_6\"> </span>0<span class=\"__14 _1118\"> </span>1 796<span class=\"__14 _1132\"> </span>0<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _c0_7\"> </span><span class=\"ls14_11 ws3a_5\">2<span class=\"__14 _1072\"/>57 617<span class=\"__14 _1149\"> </span></span>12 7<span class=\"__14 _b_13\"/>47<span class=\"__14 _5f_6\"> </span>3 512<span class=\"__14 _1148\"> </span><span class=\"ls25_6 ws4b_3\">197<span class=\"__14 _1136\"> </span></span>399<span class=\"__14 _5f_6\"> </span>1 610<span class=\"__14 _1123\"> </span>271 670<span class=\"__14 _1130\"> </span>-118<span class=\"__14 _1ce\"> </span>1) T<span class=\"__14 _1c_10\"/>abellen visar kreditf\u00f6rluster p\u00e5 e<span class=\"__14 _b_13\"/>xponeringar i och utanf\u00f6r balansr\u00e4kningen f\u00f6r hel\u00e5r<span class=\"__14 _1058\"/>et 2021.<span class=\"__14 _1ce\"> </span>Os\u00e4kra l\u00e5nef<span class=\"__14 _b_13\"/>ordringar (kategori 3), per land och bransch (inkl<span class=\"__14 _b_13\"/>usive l\u00e5n till verkligt v\u00e4rde)<span class=\"__14 _1ce\"> </span>31 dec 2022, mn euro<span class=\"__14 _b3_6\"> </span>Danmark<span class=\"__14 _1130\"> </span>Finland<span class=\"__14 _da_6\"> </span>Norge<span class=\"__14 _fc_7\"> </span>Sverige<span class=\"__14 _1ce\"> </span>Utanf\u00f6r <span class=\"__14 _1067\"/> Norden<span class=\"__14 _1130\"> </span>Summa Finansinstitut<span class=\"__14 _12a_4\"> </span>46<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1087\"> </span>6<span class=\"__14 _1092\"> </span>10<span class=\"__14 _1087\"> </span>0<span class=\"__14 _a3_6\"> </span><span class=\"ls21_7 ws47_3\">64<span class=\"__14 _1ce\"> </span></span>Jordbruk<span class=\"__14 _12b_4\"> </span><span class=\"ls18_10 ws3e_5\">197<span class=\"__14 _1093\"> </span></span>29<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b5_7\"> </span>228     Gr\u00f6dor<span class=\"__14 _b_13\"/>, odling och jakt<span class=\"__14 _4f_6\"> </span>35<span class=\"__14 _b8_6\"> </span>6<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _a3_6\"> </span><span class=\"ls24_6 ws4a_3\">42</span>     Djurh\u00e5llning<span class=\"__14 _cd_6\"> </span>162<span class=\"__14 _12c_4\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _bf_7\"> </span></span>1<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b5_7\"> </span>186     Fiske och vatt<span class=\"__14 _1058\"/>enbruk<span class=\"__14 _12d_4\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1ce\"> </span>Naturresurser<span class=\"__14 _12e_4\"> </span>8<span class=\"__14 _1092\"> </span>15<span class=\"__14 _12c_4\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1087\"> </span></span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a2_6\"> </span>46     Pappers- och skogsproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _f9_6\"> </span>8<span class=\"__14 _12c_4\"> </span>10<span class=\"__14 _b8_6\"> </span>5<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span><span class=\"ls1b_8 ws41_5\">23</span>     Gruvdrift och kringverksamhet<span class=\"__14 _8a_6\"> </span>0<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _1ce\">     Olje-, gas- och offshore-verksamhet</span><span class=\"__14 _12f_4\"> </span>0<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _1090\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1087\"> </span></span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span>20<span class=\"__14 _1ce\"> </span>Konsument dagligv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _1187\"> </span>69<span class=\"__14 _1090\"> </span>11<span class=\"__14 _1087\"> </span>8<span class=\"__14 _1086\"> </span>2<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a2_6\"> </span>90     Livsmedel och drycker<span class=\"__14 _1188\"> </span><span class=\"ls24_6 ws4a_3\">42<span class=\"__14 _1087\"> </span></span>8<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1086\"> </span>2<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1093\"> </span><span class=\"ls1a_9 ws40_5\">52</span>     Hush\u00e5lls- och hygienproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1185\"> </span>2<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _1086\"> </span>7<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1090\"> </span>11     H\u00e4lsov\u00e5rd<span class=\"__14 _1189\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _bf_7\"> </span></span>1<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _12c_4\"> </span>27<span class=\"__14 _1ce\"> </span>Konsument s\u00e4llank<span class=\"__14 _b_13\"/>\u00f6p och tj\u00e4nster<span class=\"__14 _5e_6\"> </span>134<span class=\"__14 _a2_6\"> </span>44<span class=\"__14 _2a_8\"> </span>15<span class=\"__14 _1079\"> </span>101<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1101\"> </span>294     Konsumentk<span class=\"__14 _1058\"/>apitalvar<span class=\"__14 _b_13\"/>or<span class=\"__14 _b3_6\"> </span>1<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _1087\"> </span>0<span class=\"__14 _a2_6\"> </span>40<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a2_6\"> </span>44     Media och underh\u00e5llning<span class=\"__14 _c0_7\"> </span>3<span class=\"__14 _12c_4\"> </span>16<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1087\"> </span>0<span class=\"__14 _2a_8\"> </span>21     Detaljhandel<span class=\"__14 _e7_6\"> </span>127<span class=\"__14 _1092\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _b8_6\"> </span></span>6<span class=\"__14 _12c_4\"> </span>37<span class=\"__14 _1087\"> </span>0<span class=\"__14 _be_7\"> </span>184     Flygre<span class=\"__14 _1058\"/>sor<span class=\"__14 _1190\"> </span>0<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1087\"> </span>6<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _1087\"> </span>0<span class=\"__14 _2a_8\"> </span>12     Logi och fritid<span class=\"__14 _1191\"> </span>3<span class=\"__14 _b8_6\"> </span>9<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _2a_8\"> </span>12<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1092\"> </span>27     <span class=\"__14 _1058\"/>T<span class=\"__14 _1c_10\"/>elekomtj\u00e4nster<span class=\"__14 _1192\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>6<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>6<span class=\"__14 _1ce\"> </span>Industri<span class=\"__14 _1193\"> </span>126<span class=\"__14 _1101\"> </span>206<span class=\"__14 _a3_6\"> </span>93<span class=\"__14 _8e_6\"> </span>137<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b5_7\"> </span>562     R\u00e5v<span class=\"__14 _1058\"/>aror<span class=\"__14 _f4_6\"> </span>16<span class=\"__14 _12c_4\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1087\"> </span></span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span>39     Kapitalv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _e3_6\"> </span>30<span class=\"__14 _1093\"> </span>30<span class=\"__14 _1087\"> </span>8<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _1087\"> </span>0<span class=\"__14 _12c_4\"> </span><span class=\"ls1c_8 ws42_5\">72</span>     Producenttj\u00e4ns<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1194\"> </span>13<span class=\"__14 _2a_8\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1090\"> </span></span>12<span class=\"__14 _1087\"> </span>8<span class=\"__14 _1087\"> </span>0<span class=\"__14 _a3_6\"> </span>50     Byggindustri<span class=\"__14 _c2_7\"> </span>35<span class=\"__14 _a2_6\"> </span>96<span class=\"__14 _1093\"> </span>26<span class=\"__14 _1092\"> </span>13<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _4b_6\"> </span><span class=\"ls14_11 ws3a_5\">170</span>     Partihandel<span class=\"__14 _1195\"> </span>26<span class=\"__14 _1092\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _bf_7\"> </span></span>1<span class=\"__14 _12c_4\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1087\"> </span></span>0<span class=\"__14 _a3_6\"> </span>66     Marktransport<span class=\"__14 _cd_6\"> </span>3<span class=\"__14 _1090\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _a2_6\"> </span></span>46<span class=\"__14 _1093\"> </span>29<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span>95     IT<span class=\"__14 _b_13\"/>-tj\u00e4nster<span class=\"__14 _f5_6\"> </span>3<span class=\"__14 _1087\"> </span>9<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span>58<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span>70<span class=\"__14 _1ce\"> </span>Sj\u00f6fart<span class=\"__14 _1196\"> </span>0<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _1092\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _1086\"> </span></span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _12c_4\"> </span>75     V<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>vsindustri<span class=\"__14 _d2_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1086\"> </span>3<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b8_6\"> </span>3     Sj\u00f6transport<span class=\"__14 _d0_6\"> </span>0<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _2a_8\"> </span>71<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _12c_4\"> </span><span class=\"ls1c_8 ws42_5\">72</span>     Sj\u00f6fartstj\u00e4ns<span class=\"__14 _1058\"/>ter<span class=\"__14 _b4_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1ce\"> </span>Samh\u00e4llsnyttiga tj\u00e4nster<span class=\"__14 _1078\"> </span>5<span class=\"__14 _1086\"> </span>7<span class=\"__14 _1086\"> </span>3<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _2a_8\"> </span><span class=\"ls14_11 ws3a_5\">17</span>     El, vatten och gas<span class=\"__14 _13a_4\"> </span>0<span class=\"__14 _b8_6\"> </span>5<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>6     Kraftproduk<span class=\"__14 _b_13\"/>tion<span class=\"__14 _1192\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _bb_7\"> </span>1     Allm\u00e4nnyttiga f<span class=\"__14 _b_13\"/>\u00f6retag<span class=\"__14 _e8_7\"> </span>5<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _1086\"> </span>3<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1093\"> </span>10<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _b_13\"/>astighetsbolag<span class=\"__14 _cd_6\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _a3_6\"> </span></span>93<span class=\"__14 _12c_4\"> </span>35<span class=\"__14 _1086\"> </span>7<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1079\"> </span><span class=\"ls14_11 ws3a_5\">178<span class=\"__14 _1ce\"> </span></span>\u00d6vriga branscher<span class=\"__14 _13b_4\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1086\"> </span>7<span class=\"__14 _1ce\"> </span>Summa f\u00f6retagsk<span class=\"__14 _b_13\"/>under<span class=\"__14 _1159\"> </span>629<span class=\"__14 _e2_6\"> </span>408<span class=\"__14 _c3_6\"> </span>263<span class=\"__14 _be_7\"> </span>261<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1155\"> </span>1 561   Bol\u00e5n<span class=\"__14 _13c_4\"> </span>269<span class=\"__14 _c3_6\"> </span>326<span class=\"__14 _1092\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _12c_4\"> </span></span>34<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b5_7\"> </span>703   L\u00e5n mot s\u00e4kerhet<span class=\"__14 _13d_4\"> </span>82<span class=\"__14 _b5_7\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>4<span class=\"__14 _1093\"> </span></span>34<span class=\"__14 _1087\"> </span>4<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1101\"> </span>264   L\u00e5n utan s\u00e4kerhet<span class=\"__14 _13e_4\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _a2_6\"> </span></span>86<span class=\"__14 _2a_8\"> </span>12<span class=\"__14 _1093\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _4b_6\"> </span><span class=\"ls14_11 ws3a_5\">145<span class=\"__14 _1ce\"> </span></span>Privatkunder<span class=\"__14 _13f_4\"> </span><span class=\"ls1f_7 ws45_4\">3<span class=\"__14 _1072\"/>74<span class=\"__14 _b5_7\"> </span></span>556<span class=\"__14 _be_7\"> </span>120<span class=\"__14 _a3_6\"> </span>62<span class=\"__14 _b8_6\"> </span><span class=\"ff2_14\">0<span class=\"__14 _1102\"> </span></span>1 112<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Offen</span><span class=\"__14 _1058\"/>tlig sektor<span class=\"__14 _cd_6\"> </span>38<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _1087\"> </span><span class=\"ff2_14\">0<span class=\"__14 _1093\"> </span></span>39<span class=\"__14 _1ce\"> </span>Summa os\u00e4kra for<span class=\"__14 _b_13\"/>dringar<span class=\"__14 _1150\"> </span>1 041<span class=\"__14 _1151\"> </span>964<span class=\"__14 _c3_6\"> </span>383<span class=\"__14 _c3_6\"> </span><span class=\"ls16_11 ws3c_5\">324<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _1152\"> </span>2 712  varav v<span class=\"__14 _b_13\"/>\u00e4rderad till verkligt v\u00e4rde<span class=\"__14 _1197\"> </span>455<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1092\"> </span>15<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span><span class=\"ff2_14\">0<span class=\"__14 _1101\"> </span></span>470<span class=\"__14 _1ce\"> </span>Os\u00e4kra l\u00e5nef<span class=\"__14 _b_13\"/>ordringar (kategori 3), per land och bransch (inkl<span class=\"__14 _b_13\"/>usive l\u00e5n till verkligt v\u00e4rde)<span class=\"__14 _1ce\"> </span>31 dec 2021, mn euro<span class=\"__14 _e6_6\"> </span>Danmark<span class=\"__14 _1130\"> </span>Finland<span class=\"__14 _da_6\"> </span>Norge<span class=\"__14 _fc_7\"> </span>Sverige<span class=\"__14 _1ce\"> </span>Utanf\u00f6r <span class=\"__14 _1067\"/> Norden<span class=\"__14 _1130\"> </span>Summa Finansinstitut<span class=\"__14 _12a_4\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _b8_6\"> </span></span>5<span class=\"__14 _1092\"> </span>15<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _a2_6\"> </span>68<span class=\"__14 _1ce\"> </span>Jordbruk<span class=\"__14 _1198\"> </span>307<span class=\"__14 _12c_4\"> </span>18<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _be_7\"> </span>332     Gr\u00f6dor<span class=\"__14 _b_13\"/>, odling och jakt<span class=\"__14 _10d_6\"> </span>66<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _1086\"> </span>2<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _12c_4\"> </span><span class=\"ls1c_8 ws42_5\">72</span>     Djurh\u00e5llning<span class=\"__14 _d3_6\"> </span><span class=\"ls16_11 ws3c_5\">241<span class=\"__14 _2a_8\"> </span></span>15<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1101\"> </span>2<span class=\"__14 _1072\"/>59     Fiske och vatt<span class=\"__14 _1058\"/>enbruk<span class=\"__14 _12d_4\"> </span>0<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _1ce\"> </span>Naturresurser<span class=\"__14 _1199\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _2a_8\"> </span></span>15<span class=\"__14 _b5_7\"> </span>207<span class=\"__14 _1087\"> </span>0<span class=\"__14 _be_7\"> </span>337<span class=\"__14 _be_7\"> </span><span class=\"ls14_11 ws3a_5\">576</span>     Pappers- och skogsproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1183\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1090\"> </span></span>11<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1093\"> </span>32     Gruvdrift och kringverksamhet<span class=\"__14 _8a_6\"> </span>0<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _1ce\">     Olje-, gas- och offshore-verksamhet</span><span class=\"__14 _12f_4\"> </span>0<span class=\"__14 _1086\"> </span>2<span class=\"__14 _c3_6\"> </span>202<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b5_7\"> </span>337<span class=\"__14 _4b_6\"> </span>541<span class=\"__14 _1ce\"> </span>Konsument dagligv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _de_6\"> </span>5<span class=\"__14 _1086\"> </span>5<span class=\"__14 _1087\"> </span>9<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span>20     Livsmedel och drycker<span class=\"__14 _3a_9\"> </span>1<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b8_6\"> </span>5     Hush\u00e5lls- och hygienproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1185\"> </span>2<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _b8_6\"> </span>8<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1200\"> </span>11     H\u00e4lsov\u00e5rd<span class=\"__14 _f5_6\"> </span>2<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _1ce\"> </span>Konsument s\u00e4llank<span class=\"__14 _b_13\"/>\u00f6p och tj\u00e4nster<span class=\"__14 _1201\"> </span><span class=\"ls14_11 ws3a_5\">114<span class=\"__14 _1093\"> </span></span>39<span class=\"__14 _12c_4\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _be_7\"> </span></span>104<span class=\"__14 _1087\"> </span>0<span class=\"__14 _8e_6\"> </span>271     Konsumentk<span class=\"__14 _1058\"/>apitalvar<span class=\"__14 _b_13\"/>or<span class=\"__14 _1202\"> </span>3<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _a2_6\"> </span>30     Media och underh\u00e5llning<span class=\"__14 _1179\"> </span>4<span class=\"__14 _12c_4\"> </span>10<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1087\"> </span>4<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _12c_4\"> </span>19     Detaljhandel<span class=\"__14 _c7_6\"> </span>104<span class=\"__14 _1203\"> </span>12<span class=\"__14 _1086\"> </span>7<span class=\"__14 _a2_6\"> </span>60<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b5_7\"> </span>183     Flygre<span class=\"__14 _1058\"/>sor<span class=\"__14 _1190\"> </span>0<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b8_6\"> </span>5     Logi och fritid<span class=\"__14 _1191\"> </span>3<span class=\"__14 _12c_4\"> </span>10<span class=\"__14 _b8_6\"> </span>5<span class=\"__14 _b8_6\"> </span>8<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1093\"> </span>26     <span class=\"__14 _1058\"/>T<span class=\"__14 _1c_10\"/>elekomtj\u00e4nster<span class=\"__14 _1192\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>8<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>8<span class=\"__14 _1ce\"> </span>Industri<span class=\"__14 _13c_4\"> </span>163<span class=\"__14 _b5_7\"> </span>254<span class=\"__14 _8e_6\"> </span><span class=\"ls1f_7 ws45_4\">1<span class=\"__14 _1072\"/>74<span class=\"__14 _1153\"> </span></span>118<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1101\"> </span>709     R\u00e5v<span class=\"__14 _1058\"/>aror<span class=\"__14 _f4_6\"> </span>16<span class=\"__14 _1093\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _1087\"> </span></span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a3_6\"> </span>59     Kapitalv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _bc_6\"> </span>62<span class=\"__14 _a3_6\"> </span>45<span class=\"__14 _2a_8\"> </span>15<span class=\"__14 _b8_6\"> </span>5<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _8e_6\"> </span>127     Producenttj\u00e4ns<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1204\"> </span>16<span class=\"__14 _12c_4\"> </span>18<span class=\"__14 _2a_8\"> </span>13<span class=\"__14 _b8_6\"> </span>9<span class=\"__14 _1087\"> </span>0<span class=\"__14 _a3_6\"> </span>56     Byggindustri<span class=\"__14 _1205\"> </span>38<span class=\"__14 _a2_6\"> </span>66<span class=\"__14 _a3_6\"> </span>89<span class=\"__14 _2a_8\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _4b_6\"> </span>210     Partihandel<span class=\"__14 _f6_6\"> </span>22<span class=\"__14 _a3_6\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1086\"> </span></span>2<span class=\"__14 _1092\"> </span>31<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a2_6\"> </span>80     Marktransport<span class=\"__14 _d3_6\"> </span>7<span class=\"__14 _a2_6\"> </span>44<span class=\"__14 _a3_6\"> </span>54<span class=\"__14 _1086\"> </span>2<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _be_7\"> </span>107     IT<span class=\"__14 _b_13\"/>-tj\u00e4nster<span class=\"__14 _f5_6\"> </span>2<span class=\"__14 _1092\"> </span>13<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _a3_6\"> </span>54<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a3_6\"> </span>70<span class=\"__14 _1ce\"> </span>Sj\u00f6fart<span class=\"__14 _1206\"> </span>28<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1151\"> </span>488<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _4b_6\"> </span><span class=\"ls14_11 ws3a_5\">516</span>     V<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>vsindustri<span class=\"__14 _d2_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0     Sj\u00f6transport<span class=\"__14 _e3_6\"> </span>28<span class=\"__14 _1087\"> </span>0<span class=\"__14 _be_7\"> </span>477<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _c3_6\"> </span>505     Sj\u00f6fartstj\u00e4ns<span class=\"__14 _1058\"/>ter<span class=\"__14 _b4_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1090\"> </span>11<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1090\"> </span>11<span class=\"__14 _1ce\"> </span>Samh\u00e4llsnyttiga tj\u00e4nster<span class=\"__14 _1078\"> </span>3<span class=\"__14 _1086\"> </span>5<span class=\"__14 _1093\"> </span>37<span class=\"__14 _1086\"> </span>3<span class=\"__14 _1087\"> </span>0<span class=\"__14 _a2_6\"> </span><span class=\"ls1b_8 ws41_5\">48</span>     El, vatten och gas<span class=\"__14 _13a_4\"> </span>0<span class=\"__14 _bf_7\"> </span>1<span class=\"__14 _1093\"> </span>28<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a3_6\"> </span>29     Kraftproduk<span class=\"__14 _b_13\"/>tion<span class=\"__14 _1192\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _bb_7\"> </span>1     Allm\u00e4nnyttiga f<span class=\"__14 _b_13\"/>\u00f6retag<span class=\"__14 _e8_7\"> </span>3<span class=\"__14 _1087\"> </span>4<span class=\"__14 _b8_6\"> </span>9<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1087\"> </span>0<span class=\"__14 _12c_4\"> </span>18<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _b_13\"/>astighetsbolag<span class=\"__14 _d3_6\"> </span><span class=\"ls18_10 ws3e_5\">97<span class=\"__14 _1093\"> </span>97<span class=\"__14 _a3_6\"> </span></span>50<span class=\"__14 _1092\"> </span>10<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b5_7\"> </span>254<span class=\"__14 _1ce\"> </span>\u00d6vriga branscher<span class=\"__14 _13b_4\"> </span>1<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>4<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1086\"> </span>7<span class=\"__14 _1ce\"> </span>Summa f\u00f6retagsk<span class=\"__14 _b_13\"/>under<span class=\"__14 _14a_3\"> </span>783<span class=\"__14 _1151\"> </span>438<span class=\"__14 _aa_6\"> </span>1 002<span class=\"__14 _1101\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1072\"/>0<span class=\"__14 _c3_6\"> </span></span>338<span class=\"__14 _aa_6\"> </span>2 801   Bol\u00e5n<span class=\"__14 _13c_4\"> </span>346<span class=\"__14 _c3_6\"> </span>355<span class=\"__14 _1092\"> </span>81<span class=\"__14 _a3_6\"> </span><span class=\"ls24_6 ws4a_3\">42<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _1101\"> </span><span class=\"ls16_11 ws3c_5\">824</span>   L\u00e5n mot s\u00e4kerhet<span class=\"__14 _14b_3\"> </span>129<span class=\"__14 _be_7\"> </span>138<span class=\"__14 _1092\"> </span>41<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _8e_6\"> </span>311   L\u00e5n utan s\u00e4kerhet<span class=\"__14 _14c_3\"> </span>31<span class=\"__14 _8e_6\"> </span>131<span class=\"__14 _1093\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1092\"> </span></span>32<span class=\"__14 _1087\"> </span>0<span class=\"__14 _4b_6\"> </span>218<span class=\"__14 _1ce\"> </span>Privatkunder<span class=\"__14 _14d_2\"> </span>506<span class=\"__14 _1101\"> </span><span class=\"ls16_11 ws3c_5\">624<span class=\"__14 _b5_7\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>6<span class=\"__14 _12c_4\"> </span><span class=\"ls1b_8 ws41_5\">77<span class=\"__14 _1087\"> </span></span></span></span>0<span class=\"__14 _1155\"> </span>1 353<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Offen</span><span class=\"__14 _1058\"/>tlig sektor<span class=\"__14 _d3_6\"> </span>32<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _a2_6\"> </span>34<span class=\"__14 _1ce\"> </span>Summa os\u00e4kra for<span class=\"__14 _b_13\"/>dringar<span class=\"__14 _14e_2\"> </span>1 321<span class=\"__14 _aa_6\"> </span>1 062<span class=\"__14 _9b_6\"> </span>1 150<span class=\"__14 _1079\"> </span><span class=\"ls14_11 ws3a_5\">317<span class=\"__14 _c3_6\"> </span></span>338<span class=\"__14 _b0_6\"> </span>4 188  varav v<span class=\"__14 _b_13\"/>\u00e4rderad till verkligt v\u00e4rde<span class=\"__14 _1174\"> </span>658<span class=\"__14 _1087\"> </span>0<span class=\"__14 _2a_8\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _b8_6\"> </span></span>0<span class=\"__14 _1087\"> </span>0<span class=\"__14 _c3_6\"> </span>675<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till allm\u00e4nheten, v\u00e4rder<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ad till upplupet anskaffningsv\u00e4rde<span class=\"__14 _1ce\"> </span></span>31 dec 2022, mn euro<span class=\"__14 _1ce\"> </span>Kredit-<span class=\"__14 _1ce\"> </span>f\u00f6rlust<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>, <span class=\"__14 _1ce\">netto1<span class=\"__14 _1ce\"> </span></span>Kredit-<span class=\"__14 _1ce\"> </span>f\u00f6rlustr<span class=\"__14 _1058\"/>e-<span class=\"__14 _1ce\"> </span>lation, pkt<span class=\"__14 _1ce\"> </span>Os\u00e4kra l\u00e5neford-<span class=\"__14 _1ce\"> </span>ringar kategori 3<span class=\"__14 _1ce\"> </span>Andel os\u00e4kra fordringar<span class=\"__14 _b_13\"/>,<span class=\"__14 _1ce\"> </span>pkt<span class=\"__14 _1ce\"> </span>Summa avs\u00e4<span class=\"__14 _1058\"/>tt- ningar<span class=\"__14 _1ce\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4tt- ningar <span class=\"__14 _1069\"/> kategori 1<span class=\"__14 _1ce\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4tt- ningar <span class=\"__14 _1069\"/> <span class=\"__14 _1ce\">kategori 2<span class=\"__14 _1ce\"> </span></span>A<span class=\"__14 _b_13\"/>vs\u00e4tt- ningar <span class=\"__14 _1069\"/> <span class=\"__14 _1ce\">kategori 3<span class=\"__14 _1ce\"> </span></span>T<span class=\"__14 _1058\"/>\u00e4ck-<span class=\"__14 _1ce\"> </span>nings-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">grad, %2<span class=\"__14 _1ce\"> </span></span>Utl\u00e5ning till v\u00e4rderad till upplupet an-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">skaffningsv\u00e4r</span><span class=\"__14 _1058\"/>de<span class=\"__14 _1ce\"> </span>Finansinstitut<span class=\"__14 _1085\"> </span>-49<span class=\"__14 _5f_6\"> </span>-34<span class=\"__14 _1136\"> </span>62<span class=\"__14 _4c_6\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _1130\"> </span></span>47<span class=\"__14 _1106\"> </span>8<span class=\"__14 _1136\"> </span>10<span class=\"__14 _fc_7\"> </span>29<span class=\"__14 _1130\"> </span>47<span class=\"__14 _b0_6\"> </span>14 534<span class=\"__14 _1ce\"> </span>Jordbruk<span class=\"__14 _ff_6\"> </span>-3<span class=\"__14 _1136\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _a5_7\"> </span></span>107<span class=\"__14 _1118\"> </span>229<span class=\"__14 _4c_6\"> </span>78<span class=\"__14 _b0_6\"> </span>7<span class=\"__14 _1147\"> </span>15<span class=\"__14 _fc_7\"> </span>56<span class=\"__14 _1130\"> </span><span class=\"ls1a_9 ws40_5\">52<span class=\"__14 _1102\"> </span></span>4 604     Gr\u00f6dor<span class=\"__14 _b_13\"/>, odling och jakt<span class=\"__14 _be_7\"> </span>5<span class=\"__14 _4c_6\"> </span>49<span class=\"__14 _1136\"> </span>20<span class=\"__14 _1118\"> </span>192<span class=\"__14 _1104\"> </span>15<span class=\"__14 _da_6\"> </span>3<span class=\"__14 _b7_7\"> </span>4<span class=\"__14 _b0_6\"> </span>8<span class=\"__14 _7c_6\"> </span>40<span class=\"__14 _14f_2\"> </span>1 029     Djurh\u00e5llning<span class=\"__14 _1186\"> </span>-6<span class=\"__14 _1120\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _1072\"/>9<span class=\"__14 _1129\"> </span></span>86<span class=\"__14 _1117\"> </span>1 046<span class=\"__14 _7c_6\"> </span>60<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1147\"> </span>10<span class=\"__14 _a1_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _a1_6\"> </span></span>56<span class=\"__14 _a2_6\"> </span><span class=\"ls14_11 ws3a_5\">762</span>     Fiske och vatt<span class=\"__14 _1058\"/>enbruk<span class=\"__14 _a3_6\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1147\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _1152\"> </span></span></span>1<span class=\"__14 _1106\"> </span>4<span class=\"__14 _1106\"> </span>3<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _9b_6\"> </span>1<span class=\"__14 _da_6\"> </span>0<span class=\"__14 _1106\"> </span>0<span class=\"__14 _14f_2\"> </span>2 813<span class=\"__14 _1ce\"> </span>Naturresurser<span class=\"__14 _11f_7\"> </span>26<span class=\"__14 _4c_6\"> </span>87<span class=\"__14 _1136\"> </span>39<span class=\"__14 _1118\"> </span>129<span class=\"__14 _1130\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _da_6\"> </span></span>2<span class=\"__14 _aa_6\"> </span>4<span class=\"__14 _1129\"> </span>18<span class=\"__14 _4c_6\"> </span>46<span class=\"__14 _a4_6\"> </span>2 996      <span class=\"__14 _1067\"/>Pappers- och skogsproduk<span class=\"__14 _1058\"/>ter<span class=\"__14 _4a_6\"> </span>2<span class=\"__14 _1130\"> </span>10<span class=\"__14 _1147\"> </span>22<span class=\"__14 _1118\"> </span>107<span class=\"__14 _fc_7\"> </span>18<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _aa_6\"> </span>3<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _4c_6\"> </span><span class=\"ls21_7 ws47_3\">64<span class=\"__14 _1111\"> </span></span></span>2 039      <span class=\"__14 _1067\"/>Gruvdrift och kringverksamhet<span class=\"__14 _1083\"> </span><span class=\"ls14_11 ws3a_5\">-1<span class=\"__14 _1120\"> </span><span class=\"ls16_11 ws3c_5\">-24<span class=\"__14 _1156\"> </span></span></span>3<span class=\"__14 _fc_7\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _1106\"> </span></span>2<span class=\"__14 _1106\"> </span>0<span class=\"__14 _1155\"> </span>1<span class=\"__14 _1156\"> </span>1<span class=\"__14 _a1_6\"> </span>33<span class=\"__14 _a3_6\"> </span>413      <span class=\"__14 _1067\"/><span class=\"__14 _1ce\">Olje-, gas- och offshore-<span class=\"__14 _1ce\"> </span></span>verksamhet<span class=\"__14 _1207\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1154\"> </span></span>460<span class=\"__14 _1147\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1118\"> </span></span>255<span class=\"__14 _1106\"> </span>4<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _b7_7\"> </span>0<span class=\"__14 _b0_6\"> </span>3<span class=\"__14 _1129\"> </span>21<span class=\"__14 _a7_7\"> </span>544<span class=\"__14 _1ce\"> </span>Konsument dagligv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _b5_7\"> </span><span class=\"ls16_11 ws3c_5\">-26<span class=\"__14 _a5_7\"> </span><span class=\"ls14_11 ws3a_5\">-51<span class=\"__14 _1136\"> </span></span></span>87<span class=\"__14 _1121\"> </span>168<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">51<span class=\"__14 _1106\"> </span></span>8<span class=\"__14 _b7_7\"> </span>8<span class=\"__14 _fc_7\"> </span>35<span class=\"__14 _4c_6\"> </span>40<span class=\"__14 _1132\"> </span>5 119     Livsmedel och drycker<span class=\"__14 _9b_6\"> </span><span class=\"ls14_11 ws3a_5\">-13<span class=\"__14 _6a_6\"> </span><span class=\"ls23_6 ws49_3\">-71<span class=\"__14 _1147\"> </span><span class=\"ls1a_9 ws40_5\">52<span class=\"__14 _1118\"> </span></span></span></span>281<span class=\"__14 _fc_7\"> </span>22<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _aa_6\"> </span>3<span class=\"__14 _1147\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1130\"> </span></span>33<span class=\"__14 _14f_2\"> </span>1 829      <span class=\"__14 _1067\"/>Hush\u00e5lls- och hygienproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1088\"> </span><span class=\"ls14_11 ws3a_5\">-1<span class=\"__14 _a6_7\"> </span>-16<span class=\"__14 _1147\"> </span></span>10<span class=\"__14 _1118\"> </span>159<span class=\"__14 _1106\"> </span>8<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _9b_6\"> </span>1<span class=\"__14 _b0_6\"> </span>5<span class=\"__14 _a1_6\"> </span>50<span class=\"__14 _a2_6\"> </span>619     H\u00e4lsov\u00e5rd<span class=\"__14 _1208\"> </span><span class=\"ls14_11 ws3a_5\">-12<span class=\"__14 _5f_6\"> </span></span>-45<span class=\"__14 _1147\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _4c_6\"> </span></span>93<span class=\"__14 _1104\"> </span>21<span class=\"__14 _1106\"> </span>4<span class=\"__14 _b7_7\"> </span>4<span class=\"__14 _1136\"> </span>13<span class=\"__14 _1130\"> </span><span class=\"ls1a_9 ws40_5\">52<span class=\"__14 _7e_6\"> </span></span>2 671<span class=\"__14 _1ce\"> </span>Konsument s\u00e4llank<span class=\"__14 _b_13\"/>\u00f6p  och tj\u00e4nster<span class=\"__14 _1172\"> </span>-31<span class=\"__14 _7b_6\"> </span><span class=\"ls16_11 ws3c_5\">-27<span class=\"__14 _1113\"> </span></span>287<span class=\"__14 _1121\"> </span><span class=\"ls16_11 ws3c_5\">243<span class=\"__14 _1121\"> </span>24<span class=\"__14 _1072\"/>9<span class=\"__14 _1104\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1104\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _1120\"> </span></span></span></span>187<span class=\"__14 _a1_6\"> </span>65<span class=\"__14 _aa_6\"> </span>11 540     Konsumentk<span class=\"__14 _1058\"/>apitalvar<span class=\"__14 _b_13\"/>or<span class=\"__14 _8d_6\"> </span><span class=\"ls14_11 ws3a_5\">-1<span class=\"__14 _1072\"/>2<span class=\"__14 _1118\"> </span></span>-<span class=\"__14 _1072\"/>46<span class=\"__14 _1104\"> </span>44<span class=\"__14 _1118\"> </span>168<span class=\"__14 _1130\"> </span>32<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _b7_7\"> </span>6<span class=\"__14 _1104\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1130\"> </span></span>55<span class=\"__14 _1111\"> </span>2 586     Media och underh\u00e5llning<span class=\"__14 _1104\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _7c_6\"> </span><span class=\"ls14_11 ws3a_5\">-11<span class=\"__14 _1136\"> </span></span></span>20<span class=\"__14 _1121\"> </span>104<span class=\"__14 _fc_7\"> </span>19<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _b7_7\"> </span>6<span class=\"__14 _1148\"> </span>11<span class=\"__14 _a1_6\"> </span>55<span class=\"__14 _9a_6\"> </span>1 899     Detaljhandel<span class=\"__14 _1103\"> </span><span class=\"ls14_11 ws3a_5\">-18<span class=\"__14 _5f_6\"> </span></span>-40<span class=\"__14 _7b_6\"> </span>180<span class=\"__14 _1118\"> </span>391<span class=\"__14 _1118\"> </span><span class=\"ls14_11 ws3a_5\">146<span class=\"__14 _1106\"> </span></span>8<span class=\"__14 _1129\"> </span>20<span class=\"__14 _a6_7\"> </span>118<span class=\"__14 _4c_6\"> </span>66<span class=\"__14 _a4_6\"> </span>4 462     Flygre<span class=\"__14 _1058\"/>sor<span class=\"__14 _1209\"> </span>-6<span class=\"__14 _1149\"> </span><span class=\"ls14_11 ws3a_5\">-451<span class=\"__14 _1148\"> </span></span>12<span class=\"__14 _8c_6\"> </span>839<span class=\"__14 _fc_7\"> </span>10<span class=\"__14 _1106\"> </span>0<span class=\"__14 _aa_6\"> </span>2<span class=\"__14 _b0_6\"> </span>8<span class=\"__14 _a1_6\"> </span>67<span class=\"__14 _1093\"> </span>133     Logi och fritid<span class=\"__14 _1210\"> </span>4<span class=\"__14 _1130\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1136\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1118\"> </span><span class=\"ls14_11 ws3a_5\">146<span class=\"__14 _a1_6\"> </span></span></span></span>36<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1147\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _fc_7\"> </span></span>20<span class=\"__14 _7c_6\"> </span>80<span class=\"__14 _7e_6\"> </span>1 673     <span class=\"__14 _1058\"/>T<span class=\"__14 _1c_10\"/>elekomtj\u00e4nster<span class=\"__14 _1125\"> </span>3<span class=\"__14 _4c_6\"> </span>38<span class=\"__14 _b7_7\"> </span>6<span class=\"__14 _1130\"> </span><span class=\"ls14_11 ws3a_5\">76<span class=\"__14 _1106\"> </span></span>6<span class=\"__14 _1106\"> </span>0<span class=\"__14 _b7_7\"> </span>0<span class=\"__14 _da_6\"> </span>6<span class=\"__14 _1118\"> </span>100<span class=\"__14 _1105\"> </span>787<span class=\"__14 _1ce\"> </span>Industri<span class=\"__14 _1176\"> </span>-52<span class=\"__14 _1113\"> </span><span class=\"ls14_11 ws3a_5\">-15<span class=\"__14 _7b_6\"> </span></span>542<span class=\"__14 _1120\"> </span><span class=\"ls14_11 ws3a_5\">1<span class=\"__14 _1072\"/>57<span class=\"__14 _8c_6\"> </span></span>446<span class=\"__14 _a1_6\"> </span>53<span class=\"__14 _7b_6\"> </span>100<span class=\"__14 _1118\"> </span>293<span class=\"__14 _a1_6\"> </span>54<span class=\"__14 _8d_6\"> </span>34 086     R\u00e5v<span class=\"__14 _1058\"/>aror<span class=\"__14 _1184\"> </span>7<span class=\"__14 _fc_7\"> </span>27<span class=\"__14 _1136\"> </span>39<span class=\"__14 _1121\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>9<span class=\"__14 _1129\"> </span></span>21<span class=\"__14 _1106\"> </span>4<span class=\"__14 _b7_7\"> </span>4<span class=\"__14 _1136\"> </span>13<span class=\"__14 _a1_6\"> </span>33<span class=\"__14 _9a_6\"> </span>2 590     Kapitalv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _1207\"> </span>11<span class=\"__14 _a1_6\"> </span>29<span class=\"__14 _1148\"> </span>71<span class=\"__14 _1118\"> </span>183<span class=\"__14 _1130\"> </span>55<span class=\"__14 _da_6\"> </span>5<span class=\"__14 _8d_6\"> </span>11<span class=\"__14 _1130\"> </span>39<span class=\"__14 _1130\"> </span>55<span class=\"__14 _9a_6\"> </span>3 822     Producenttj\u00e4ns<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1211\"> </span>2<span class=\"__14 _1106\"> </span>3<span class=\"__14 _1129\"> </span>44<span class=\"__14 _4c_6\"> </span>68<span class=\"__14 _4c_6\"> </span>45<span class=\"__14 _fc_7\"> </span>10<span class=\"__14 _1148\"> </span>15<span class=\"__14 _1130\"> </span>20<span class=\"__14 _a1_6\"> </span>45<span class=\"__14 _1111\"> </span>6 383     Byggindustri<span class=\"__14 _1103\"> </span>-37<span class=\"__14 _7b_6\"> </span>-41<span class=\"__14 _a6_7\"> </span>164<span class=\"__14 _1121\"> </span>180<span class=\"__14 _5f_6\"> </span>155<span class=\"__14 _1104\"> </span>15<span class=\"__14 _1129\"> </span>34<span class=\"__14 _5f_6\"> </span>106<span class=\"__14 _a1_6\"> </span>65<span class=\"__14 _1111\"> </span><span class=\"ls14_11 ws3a_5\">8 976</span>     Partihandel<span class=\"__14 _2c_8\"> </span>-9<span class=\"__14 _1113\"> </span><span class=\"ls14_11 ws3a_5\">-12<span class=\"__14 _1129\"> </span><span class=\"ls21_7 ws47_3\">64<span class=\"__14 _4c_6\"> </span></span></span>85<span class=\"__14 _fc_7\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _9c_7\"> </span></span>8<span class=\"__14 _1136\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1130\"> </span></span>40<span class=\"__14 _4c_6\"> </span>63<span class=\"__14 _1111\"> </span>7 489     Marktransport<span class=\"__14 _1212\"> </span><span class=\"ls14_11 ws3a_5\">-17<span class=\"__14 _a6_7\"> </span></span>-61<span class=\"__14 _1104\"> </span>94<span class=\"__14 _5f_6\"> </span>327<span class=\"__14 _a1_6\"> </span>67<span class=\"__14 _1106\"> </span>6<span class=\"__14 _b7_7\"> </span>6<span class=\"__14 _1104\"> </span>55<span class=\"__14 _a1_6\"> </span>59<span class=\"__14 _1111\"> </span>2 805     IT<span class=\"__14 _b_13\"/>-tj\u00e4nster<span class=\"__14 _b2_7\"> </span>-9<span class=\"__14 _5f_6\"> </span>-<span class=\"__14 _1072\"/>45<span class=\"__14 _1104\"> </span>66<span class=\"__14 _1118\"> </span>322<span class=\"__14 _1104\"> </span>31<span class=\"__14 _da_6\"> </span>5<span class=\"__14 _b7_7\"> </span>6<span class=\"__14 _fc_7\"> </span>20<span class=\"__14 _a1_6\"> </span>30<span class=\"__14 _7e_6\"> </span>2 021<span class=\"__14 _1ce\"> </span>Sj\u00f6fart<span class=\"__14 _1173\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _4c_6\"> </span></span>39<span class=\"__14 _1129\"> </span>66<span class=\"__14 _1113\"> </span>111<span class=\"__14 _1130\"> </span>55<span class=\"__14 _fc_7\"> </span>19<span class=\"__14 _1156\"> </span>5<span class=\"__14 _1136\"> </span>31<span class=\"__14 _a1_6\"> </span>47<span class=\"__14 _1111\"> </span>5 892     V<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>vsindustri<span class=\"__14 _1207\"> </span>1<span class=\"__14 _fc_7\"> </span>81<span class=\"__14 _1156\"> </span>3<span class=\"__14 _1121\"> </span>234<span class=\"__14 _1106\"> </span>4<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _b7_7\"> </span>0<span class=\"__14 _b0_6\"> </span>3<span class=\"__14 _1118\"> </span>100<span class=\"__14 _a3_6\"> </span><span class=\"ls16_11 ws3c_5\">124</span>     Sj\u00f6transport<span class=\"__14 _1213\"> </span>22<span class=\"__14 _7c_6\"> </span>40<span class=\"__14 _1136\"> </span>63<span class=\"__14 _1120\"> </span><span class=\"ls14_11 ws3a_5\">114<span class=\"__14 _a1_6\"> </span></span>50<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1156\"> </span></span>5<span class=\"__14 _fc_7\"> </span>28<span class=\"__14 _4c_6\"> </span>44<span class=\"__14 _1111\"> </span>5 482     Sj\u00f6fartstj\u00e4ns<span class=\"__14 _1058\"/>ter<span class=\"__14 _1214\"> </span>0<span class=\"__14 _1106\"> </span>0<span class=\"__14 _1ce\"> </span>0<span class=\"__14 _1106\"> </span>0<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _b7_7\"> </span>0<span class=\"__14 _da_6\"> </span>0<span class=\"__14 _1106\"> </span>0<span class=\"__14 _6c_6\"> </span>286<span class=\"__14 _1ce\"> </span>Samh\u00e4llsnyttiga tj\u00e4nster<span class=\"__14 _a2_6\"> </span>8<span class=\"__14 _1136\"> </span>11<span class=\"__14 _1147\"> </span>16<span class=\"__14 _1130\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _fc_7\"> </span></span>16<span class=\"__14 _1106\"> </span>5<span class=\"__14 _aa_6\"> </span>4<span class=\"__14 _b7_7\"> </span>7<span class=\"__14 _4c_6\"> </span>44<span class=\"__14 _7e_6\"> </span>7 013     El, vatten och gas<span class=\"__14 _1211\"> </span>8<span class=\"__14 _1130\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _aa_6\"> </span></span>6<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _b0_6\"> </span></span>7<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1156\"> </span>2<span class=\"__14 _b0_6\"> </span>3<span class=\"__14 _a1_6\"> </span>50<span class=\"__14 _a4_6\"> </span>3 490     Kraftproduk<span class=\"__14 _b_13\"/>tion<span class=\"__14 _1215\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1147\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _9b_6\"> </span></span></span>1<span class=\"__14 _da_6\"> </span>3<span class=\"__14 _1106\"> </span>3<span class=\"__14 _b0_6\"> </span>2<span class=\"__14 _b7_7\"> </span>0<span class=\"__14 _aa_6\"> </span>1<span class=\"__14 _1121\"> </span>100<span class=\"__14 _1132\"> </span>2 971     Allm\u00e4nnyttiga f<span class=\"__14 _b_13\"/>\u00f6retag<span class=\"__14 _a7_7\"> </span>2<span class=\"__14 _a1_6\"> </span>36<span class=\"__14 _1156\"> </span>9<span class=\"__14 _1120\"> </span>161<span class=\"__14 _1106\"> </span>6<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _1156\"> </span>2<span class=\"__14 _b0_6\"> </span>3<span class=\"__14 _1130\"> </span>33<span class=\"__14 _a2_6\"> </span>552<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _b_13\"/>astighetsbolag<span class=\"__14 _1114\"> </span>32<span class=\"__14 _1106\"> </span>9<span class=\"__14 _1113\"> </span><span class=\"ls14_11 ws3a_5\">145<span class=\"__14 _a1_6\"> </span></span>39<span class=\"__14 _5f_6\"> </span>126<span class=\"__14 _1130\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1136\"> </span></span>18<span class=\"__14 _1130\"> </span>85<span class=\"__14 _a1_6\"> </span>59<span class=\"__14 _1106\"> </span>37 089<span class=\"__14 _1ce\"> </span>\u00d6vriga branscher<span class=\"__14 _1214\"> </span>-3<span class=\"__14 _1154\"> </span>-112<span class=\"__14 _1156\"> </span>7<span class=\"__14 _1121\"> </span>239<span class=\"__14 _1130\"> </span>26<span class=\"__14 _1106\"> </span>4<span class=\"__14 _1104\"> </span>20<span class=\"__14 _b7_7\"> </span>2<span class=\"__14 _a1_6\"> </span>29<span class=\"__14 _a2_6\"> </span>267<span class=\"__14 _1ce\"> </span>Summa f\u00f6retagsk<span class=\"__14 _b_13\"/>under<span class=\"__14 _14f_2\"> </span><span class=\"ls22_6 ws48_3\">-75<span class=\"__14 _1129\"> </span></span>-6<span class=\"__14 _4e_6\"> </span>1 358<span class=\"__14 _1121\"> </span>109<span class=\"__14 _3f_8\"> </span>1 118<span class=\"__14 _1118\"> </span><span class=\"ls14_11 ws3a_5\">143<span class=\"__14 _7b_6\"> </span></span>232<span class=\"__14 _5f_6\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _1072\"/>3<span class=\"__14 _fc_7\"> </span></span>55<span class=\"__14 _1104\"> </span>12<span class=\"__14 _1072\"/>3 140   Bol\u00e5n<span class=\"__14 _1216\"> </span><span class=\"ls16_11 ws3c_5\">-29<span class=\"__14 _1147\"> </span>-2<span class=\"__14 _1120\"> </span></span>435<span class=\"__14 _a1_6\"> </span>36<span class=\"__14 _1118\"> </span><span class=\"ls14_11 ws3a_5\">146<span class=\"__14 _1104\"> </span></span>15<span class=\"__14 _1129\"> </span>45<span class=\"__14 _1130\"> </span>86<span class=\"__14 _4c_6\"> </span>20<span class=\"__14 _1136\"> </span>120 941   L\u00e5n mot s\u00e4kerhet<span class=\"__14 _15a_1\"> </span>46<span class=\"__14 _1130\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _5f_6\"> </span></span>264<span class=\"__14 _1118\"> </span>130<span class=\"__14 _1121\"> </span>203<span class=\"__14 _4c_6\"> </span>38<span class=\"__14 _1129\"> </span>50<span class=\"__14 _1113\"> </span>115<span class=\"__14 _4c_6\"> </span>44<span class=\"__14 _1106\"> </span>20 092   L\u00e5n utan s\u00e4kerhet<span class=\"__14 _15b_1\"> </span>-62<span class=\"__14 _1096\"> </span>-109<span class=\"__14 _a6_7\"> </span><span class=\"ls14_11 ws3a_5\">146<span class=\"__14 _1121\"> </span></span>250<span class=\"__14 _1120\"> </span><span class=\"ls1f_7 ws45_4\">1<span class=\"__14 _1066\"/>74<span class=\"__14 _1104\"> </span></span>19<span class=\"__14 _1147\"> </span>81<span class=\"__14 _1104\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _1136\"> </span><span class=\"ls14_11 ws3a_5\">51<span class=\"__14 _14f_2\"> </span></span></span>5 677<span class=\"__14 _1ce\"> </span>Privatkunder<span class=\"__14 _1207\"> </span>-45<span class=\"__14 _1129\"> </span>-3<span class=\"__14 _1118\"> </span>845<span class=\"__14 _fc_7\"> </span><span class=\"ls14_11 ws3a_5\">57<span class=\"__14 _1121\"> </span><span class=\"ls1a_9 ws40_5\">523<span class=\"__14 _1130\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _7b_6\"> </span></span></span>176<span class=\"__14 _1120\"> </span></span>275<span class=\"__14 _a1_6\"> </span>33<span class=\"__14 _1104\"> </span>146 710<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Offen</span><span class=\"__14 _1058\"/>tlig sektor<span class=\"__14 _1213\"> </span>8<span class=\"__14 _fc_7\"> </span>15<span class=\"__14 _1136\"> </span>39<span class=\"__14 _1130\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _b0_6\"> </span></span>3<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _b7_7\"> </span>0<span class=\"__14 _b0_6\"> </span>2<span class=\"__14 _da_6\"> </span>5<span class=\"__14 _1111\"> </span>5 266<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till allm\u00e4nheten <span class=\"__14 _7c_6\"> </span>-112<span class=\"__14 _fc_7\"> </span><span class=\"ls1b_8 ws41_5\">-4<span class=\"__14 _5a_6\"> </span><span class=\"ls16_11 ws3c_5\">2 24<span class=\"__14 _1072\"/>2<span class=\"__14 _fc_7\"> </span></span></span>81<span class=\"__14 _3d_8\"> </span>1 644<span class=\"__14 _1118\"> </span>216<span class=\"__14 _1121\"> </span>408<span class=\"__14 _a0_6\"> </span>1 020<span class=\"__14 _4c_6\"> </span>45<span class=\"__14 _1136\"> </span>275 116<span class=\"__14 _1ce\"> </span>1)   <span class=\"__14 _1069\"/>Inklusive reserveringar f<span class=\"__14 _b_13\"/>\u00f6r exponeringar utanf\u00f6r balansr\u00e4kningen.<span class=\"__14 _1ce\"> </span>2)   <span class=\"__14 _1069\"/>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar f\u00f6r kategori 3 dividera<span class=\"__14 _b_13\"/>t med exponeringar i kategori 3.<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till allm\u00e4nheten, v\u00e4rder<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ad till upplupet anskaffningsv\u00e4rde<span class=\"__14 _1ce\"> </span></span>31 dec 2021, mn euro<span class=\"__14 _1ce\"> </span>Kredit-<span class=\"__14 _1ce\"> </span>f\u00f6rlust<span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>, <span class=\"__14 _1ce\">netto1<span class=\"__14 _1ce\"> </span></span>Kredit-<span class=\"__14 _1ce\"> </span>f\u00f6rlustr<span class=\"__14 _1058\"/>e-<span class=\"__14 _1ce\"> </span>lation, pkt<span class=\"__14 _1ce\"> </span>Os\u00e4kra l\u00e5neford-<span class=\"__14 _1ce\"> </span>ringar kategori 3<span class=\"__14 _1ce\"> </span>Andel os\u00e4kra fordringar<span class=\"__14 _b_13\"/>,<span class=\"__14 _1ce\"> </span>pkt<span class=\"__14 _1ce\"> </span>Summa avs\u00e4<span class=\"__14 _1058\"/>tt- ningar<span class=\"__14 _1ce\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4tt- ningar <span class=\"__14 _1069\"/> kategori 1<span class=\"__14 _1ce\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4tt- ningar <span class=\"__14 _1069\"/> <span class=\"__14 _1ce\">kategori 2<span class=\"__14 _1ce\"> </span></span>A<span class=\"__14 _b_13\"/>vs\u00e4tt- ningar <span class=\"__14 _1069\"/> <span class=\"__14 _1ce\">kategori 3<span class=\"__14 _1ce\"> </span></span>T<span class=\"__14 _1058\"/>\u00e4ck-<span class=\"__14 _1ce\"> </span>nings-<span class=\"__14 _1ce\"> </span>grad, %<span class=\"__14 _1ce\"> </span>2<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till v\u00e4rderad till upplupet an-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">skaffningsv\u00e4r</span><span class=\"__14 _1058\"/>de<span class=\"__14 _1ce\"> </span>Finansinstitut<span class=\"__14 _15c_1\"> </span>29<span class=\"__14 _1130\"> </span>22<span class=\"__14 _a1_6\"> </span>59<span class=\"__14 _a1_6\"> </span>45<span class=\"__14 _a1_6\"> </span>38<span class=\"__14 _1106\"> </span>6<span class=\"__14 _1106\"> </span>8<span class=\"__14 _a1_6\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1104\"> </span></span>41<span class=\"__14 _1155\"> </span>13 179<span class=\"__14 _1ce\"> </span>Jordbruk<span class=\"__14 _1216\"> </span>16<span class=\"__14 _1130\"> </span>37<span class=\"__14 _5f_6\"> </span>136<span class=\"__14 _5f_6\"> </span>312<span class=\"__14 _4c_6\"> </span>99<span class=\"__14 _1106\"> </span>5<span class=\"__14 _1129\"> </span>12<span class=\"__14 _a1_6\"> </span>82<span class=\"__14 _7c_6\"> </span>60<span class=\"__14 _9a_6\"> </span>4 365     Gr\u00f6dor<span class=\"__14 _b_13\"/>, odling och jakt<span class=\"__14 _a7_7\"> </span>2<span class=\"__14 _fc_7\"> </span>19<span class=\"__14 _1130\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1121\"> </span></span>238<span class=\"__14 _1130\"> </span>22<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>5<span class=\"__14 _1129\"> </span>15<span class=\"__14 _7c_6\"> </span>60<span class=\"__14 _7e_6\"> </span>1 052     Djurh\u00e5llning<span class=\"__14 _15d_1\"> </span>8<span class=\"__14 _4c_6\"> </span>99<span class=\"__14 _1121\"> </span>109<span class=\"__14 _3f_8\"> </span>1 352<span class=\"__14 _fc_7\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _b7_7\"> </span></span>1<span class=\"__14 _b0_6\"> </span>7<span class=\"__14 _4c_6\"> </span>66<span class=\"__14 _fc_7\"> </span>61<span class=\"__14 _1153\"> </span>806     Fiske och vatt<span class=\"__14 _1058\"/>enbruk<span class=\"__14 _b8_6\"> </span>6<span class=\"__14 _1130\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _da_6\"> </span></span>2<span class=\"__14 _1106\"> </span>8<span class=\"__14 _1106\"> </span>3<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>0<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _a1_6\"> </span>50<span class=\"__14 _14f_2\"> </span>2 507<span class=\"__14 _1ce\"> </span>Naturresurser<span class=\"__14 _11f_7\"> </span><span class=\"ls14_11 ws3a_5\">-15<span class=\"__14 _5f_6\"> </span></span>-50<span class=\"__14 _1118\"> </span><span class=\"ls14_11 ws3a_5\">575<span class=\"__14 _1117\"> </span></span>1 909<span class=\"__14 _1121\"> </span>353<span class=\"__14 _1106\"> </span>4<span class=\"__14 _1106\"> </span>4<span class=\"__14 _8c_6\"> </span>345<span class=\"__14 _4c_6\"> </span>60<span class=\"__14 _7e_6\"> </span>3 012      <span class=\"__14 _1067\"/>Pappers- och skogsproduk<span class=\"__14 _1058\"/>ter<span class=\"__14 _2f_8\"> </span>8<span class=\"__14 _fc_7\"> </span>41<span class=\"__14 _1130\"> </span>32<span class=\"__14 _1118\"> </span>165<span class=\"__14 _fc_7\"> </span>22<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>4<span class=\"__14 _fc_7\"> </span>16<span class=\"__14 _a1_6\"> </span>50<span class=\"__14 _14f_2\"> </span>1 942      <span class=\"__14 _1067\"/>Gruvdrift och kringverksamhet<span class=\"__14 _1165\"> </span>2<span class=\"__14 _4c_6\"> </span>56<span class=\"__14 _da_6\"> </span>3<span class=\"__14 _4c_6\"> </span>84<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _1106\"> </span>0<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _a1_6\"> </span>33<span class=\"__14 _1105\"> </span>356      <span class=\"__14 _1067\"/><span class=\"__14 _1ce\">Olje-, gas- och offshore-<span class=\"__14 _1ce\"> </span></span>verksamhet<span class=\"__14 _1085\"> </span><span class=\"ls16_11 ws3c_5\">-25<span class=\"__14 _1098\"> </span></span>-350<span class=\"__14 _8c_6\"> </span>540<span class=\"__14 _1117\"> </span>7 563<span class=\"__14 _1121\"> </span>329<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _9c_7\"> </span>0<span class=\"__14 _1121\"> </span>328<span class=\"__14 _fc_7\"> </span>61<span class=\"__14 _1093\"> </span><span class=\"ls14_11 ws3a_5\">714<span class=\"__14 _1ce\"> </span></span>Konsument dagligv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _1090\"> </span>13<span class=\"__14 _4c_6\"> </span>30<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1130\"> </span></span>39<span class=\"__14 _1130\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _9c_7\"> </span></span>4<span class=\"__14 _1136\"> </span>11<span class=\"__14 _fc_7\"> </span>10<span class=\"__14 _a1_6\"> </span>59<span class=\"__14 _9a_6\"> </span>4 37<span class=\"__14 _1072\"/>3     Livsmedel och drycker<span class=\"__14 _a7_7\"> </span>4<span class=\"__14 _1130\"> </span>33<span class=\"__14 _1106\"> </span>5<span class=\"__14 _a1_6\"> </span><span class=\"ls24_6 ws4a_3\">42<span class=\"__14 _1106\"> </span></span>9<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>3<span class=\"__14 _1106\"> </span>4<span class=\"__14 _7c_6\"> </span>80<span class=\"__14 _7e_6\"> </span>1 203      <span class=\"__14 _1067\"/>Hush\u00e5lls- och hygienproduk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _15e_1\"> </span>1<span class=\"__14 _fc_7\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _fc_7\"> </span></span>10<span class=\"__14 _1118\"> </span>138<span class=\"__14 _1106\"> </span>6<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _1106\"> </span>4<span class=\"__14 _7c_6\"> </span>40<span class=\"__14 _a2_6\"> </span><span class=\"ls1b_8 ws41_5\">7<span class=\"__14 _1072\"/>23</span>     H\u00e4lsov\u00e5rd<span class=\"__14 _1166\"> </span>8<span class=\"__14 _a1_6\"> </span>33<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>8<span class=\"__14 _1130\"> </span>10<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _da_6\"> </span>7<span class=\"__14 _b0_6\"> </span>2<span class=\"__14 _1121\"> </span>100<span class=\"__14 _9a_6\"> </span>2 447<span class=\"__14 _1ce\"> </span>Konsument s\u00e4llank<span class=\"__14 _b_13\"/>\u00f6p  och tj\u00e4nster<span class=\"__14 _15f\"> </span>-81<span class=\"__14 _a6_7\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _1072\"/>7<span class=\"__14 _1118\"> </span></span>263<span class=\"__14 _5f_6\"> </span><span class=\"ls14_11 ws3a_5\">251<span class=\"__14 _1118\"> </span></span>232<span class=\"__14 _1136\"> </span>11<span class=\"__14 _1130\"> </span>55<span class=\"__14 _1121\"> </span>166<span class=\"__14 _a1_6\"> </span>63<span class=\"__14 _b0_6\"> </span>10 482     Konsumentk<span class=\"__14 _1058\"/>apitalvar<span class=\"__14 _b_13\"/>or<span class=\"__14 _1101\"> </span>6<span class=\"__14 _a1_6\"> </span>26<span class=\"__14 _a1_6\"> </span>30<span class=\"__14 _1118\"> </span>130<span class=\"__14 _1129\"> </span>21<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>6<span class=\"__14 _fc_7\"> </span>13<span class=\"__14 _a1_6\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _7e_6\"> </span></span>2 301     Media och underh\u00e5llning<span class=\"__14 _b7_7\"> </span>6<span class=\"__14 _a1_6\"> </span>39<span class=\"__14 _fc_7\"> </span>18<span class=\"__14 _1120\"> </span>118<span class=\"__14 _fc_7\"> </span>19<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _9c_7\"> </span>8<span class=\"__14 _fc_7\"> </span>10<span class=\"__14 _a1_6\"> </span>56<span class=\"__14 _7e_6\"> </span>1 520     Detaljhandel<span class=\"__14 _1217\"> </span><span class=\"ls1f_7 ws45_4\">-74<span class=\"__14 _1154\"> </span></span>-181<span class=\"__14 _5f_6\"> </span><span class=\"ls14_11 ws3a_5\">178<span class=\"__14 _1121\"> </span></span>435<span class=\"__14 _1121\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>0<span class=\"__14 _da_6\"> </span></span>5<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1120\"> </span></span>118<span class=\"__14 _4c_6\"> </span>66<span class=\"__14 _1102\"> </span>4 090     Flygre<span class=\"__14 _1058\"/>sor<span class=\"__14 _1218\"> </span>6<span class=\"__14 _7b_6\"> </span>311<span class=\"__14 _da_6\"> </span>5<span class=\"__14 _1121\"> </span>259<span class=\"__14 _1106\"> </span>5<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _7c_6\"> </span>40<span class=\"__14 _a3_6\"> </span>193     Logi och fritid<span class=\"__14 _2f_8\"> </span><span class=\"ls16_11 ws3c_5\">-25<span class=\"__14 _8f_6\"> </span><span class=\"ls14_11 ws3a_5\">-145<span class=\"__14 _1130\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1118\"> </span></span>14<span class=\"__14 _1072\"/>5<span class=\"__14 _4c_6\"> </span></span></span>40<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1130\"> </span>22<span class=\"__14 _fc_7\"> </span>16<span class=\"__14 _4c_6\"> </span><span class=\"ls21_7 ws47_3\">64<span class=\"__14 _7e_6\"> </span></span>1 726     <span class=\"__14 _1058\"/>T<span class=\"__14 _1c_10\"/>elekomtj\u00e4nster<span class=\"__14 _4a_6\"> </span>0<span class=\"__14 _1106\"> </span>0<span class=\"__14 _da_6\"> </span>7<span class=\"__14 _5f_6\"> </span>107<span class=\"__14 _da_6\"> </span>7<span class=\"__14 _1106\"> </span>0<span class=\"__14 _9c_7\"> </span>0<span class=\"__14 _b0_6\"> </span>7<span class=\"__14 _1121\"> </span>100<span class=\"__14 _1105\"> </span>652<span class=\"__14 _1ce\"> </span>Industri<span class=\"__14 _12f_4\"> </span>32<span class=\"__14 _1136\"> </span>11<span class=\"__14 _8c_6\"> </span>682<span class=\"__14 _1121\"> </span>228<span class=\"__14 _1154\"> </span>460<span class=\"__14 _fc_7\"> </span>41<span class=\"__14 _a1_6\"> </span>95<span class=\"__14 _1121\"> </span><span class=\"ls16_11 ws3c_5\">3<span class=\"__14 _1072\"/>24<span class=\"__14 _4c_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _da_6\"> </span></span></span>29 901     R\u00e5v<span class=\"__14 _1058\"/>aror<span class=\"__14 _1160\"> </span>35<span class=\"__14 _1121\"> </span>184<span class=\"__14 _a1_6\"> </span>59<span class=\"__14 _7b_6\"> </span>311<span class=\"__14 _a1_6\"> </span>38<span class=\"__14 _da_6\"> </span>3<span class=\"__14 _1106\"> </span>5<span class=\"__14 _a1_6\"> </span>30<span class=\"__14 _1104\"> </span><span class=\"ls14_11 ws3a_5\">51<span class=\"__14 _9a_6\"> </span></span>1 899     Kapitalv<span class=\"__14 _b_13\"/>aror<span class=\"__14 _11f_7\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _a6_7\"> </span><span class=\"ls14_11 ws3a_5\">-19<span class=\"__14 _5f_6\"> </span><span class=\"ls16_11 ws3c_5\">1<span class=\"__14 _1072\"/>24<span class=\"__14 _1121\"> </span></span></span></span>343<span class=\"__14 _fc_7\"> </span><span class=\"ls1b_8 ws41_5\">77<span class=\"__14 _1106\"> </span></span>3<span class=\"__14 _fc_7\"> </span>16<span class=\"__14 _a1_6\"> </span>58<span class=\"__14 _1130\"> </span>47<span class=\"__14 _14f_2\"> </span>3 610     Producenttj\u00e4ns<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1219\"> </span>18<span class=\"__14 _1130\"> </span>35<span class=\"__14 _7c_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _4c_6\"> </span></span>94<span class=\"__14 _7c_6\"> </span>49<span class=\"__14 _b0_6\"> </span>7<span class=\"__14 _1104\"> </span>15<span class=\"__14 _fc_7\"> </span>27<span class=\"__14 _a1_6\"> </span>56<span class=\"__14 _e2_6\"> </span>5 131     Byggindustri<span class=\"__14 _1217\"> </span><span class=\"ls14_11 ws3a_5\">-19<span class=\"__14 _7b_6\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1072\"/>2<span class=\"__14 _8c_6\"> </span></span></span>200<span class=\"__14 _1118\"> </span>233<span class=\"__14 _1118\"> </span><span class=\"ls14_11 ws3a_5\">144<span class=\"__14 _1104\"> </span></span>13<span class=\"__14 _4c_6\"> </span>30<span class=\"__14 _1120\"> </span>101<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">51<span class=\"__14 _9a_6\"> </span></span>8 578     Partihandel<span class=\"__14 _11f_7\"> </span>29<span class=\"__14 _7c_6\"> </span>49<span class=\"__14 _fc_7\"> </span><span class=\"ls1b_8 ws41_5\">77<span class=\"__14 _a6_7\"> </span></span>131<span class=\"__14 _a1_6\"> </span>67<span class=\"__14 _b0_6\"> </span>7<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _a1_6\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _a1_6\"> </span></span></span>56<span class=\"__14 _a4_6\"> </span>5 896     Marktransport<span class=\"__14 _15e_1\"> </span><span class=\"ls14_11 ws3a_5\">-1<span class=\"__14 _1072\"/>5<span class=\"__14 _1120\"> </span></span>-5<span class=\"__14 _1072\"/>2<span class=\"__14 _1121\"> </span>106<span class=\"__14 _1121\"> </span>370<span class=\"__14 _a1_6\"> </span>58<span class=\"__14 _1106\"> </span>4<span class=\"__14 _1106\"> </span>6<span class=\"__14 _7c_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _4c_6\"> </span></span>45<span class=\"__14 _9a_6\"> </span>2 862     IT<span class=\"__14 _b_13\"/>-tj\u00e4nster<span class=\"__14 _10a_6\"> </span>-9<span class=\"__14 _1120\"> </span>-47<span class=\"__14 _4c_6\"> </span>68<span class=\"__14 _1121\"> </span>353<span class=\"__14 _fc_7\"> </span>27<span class=\"__14 _1106\"> </span>4<span class=\"__14 _1106\"> </span>6<span class=\"__14 _1129\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1130\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _14f_2\"> </span></span></span>1 92<span class=\"__14 _1072\"/>5<span class=\"__14 _1ce\"> </span>Sj\u00f6fart<span class=\"__14 _1173\"> </span><span class=\"ls14_11 ws3a_5\">-12<span class=\"__14 _a6_7\"> </span>-18<span class=\"__14 _1121\"> </span></span>505<span class=\"__14 _8c_6\"> </span><span class=\"ls14_11 ws3a_5\">76<span class=\"__14 _1072\"/>8<span class=\"__14 _1118\"> </span></span>166<span class=\"__14 _da_6\"> </span>7<span class=\"__14 _da_6\"> </span>7<span class=\"__14 _5f_6\"> </span>15<span class=\"__14 _1072\"/>2<span class=\"__14 _4c_6\"> </span>30<span class=\"__14 _9a_6\"> </span><span class=\"ls14_11 ws3a_5\">6 576</span>     V<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>vsindustri<span class=\"__14 _1220\"> </span>4<span class=\"__14 _1118\"> </span>159<span class=\"__14 _1106\"> </span>0<span class=\"__14 _9c_7\"> </span>0<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>0<span class=\"__14 _1106\"> </span>0<span class=\"__14 _9c_7\"> </span>0<span class=\"__14 _a2_6\"> </span><span class=\"ls1a_9 ws40_5\">252</span>     Sj\u00f6transport<span class=\"__14 _1213\"> </span><span class=\"ls14_11 ws3a_5\">-17<span class=\"__14 _1120\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1072\"/>9<span class=\"__14 _1121\"> </span></span></span>505<span class=\"__14 _8c_6\"> </span>862<span class=\"__14 _1118\"> </span>163<span class=\"__14 _da_6\"> </span>5<span class=\"__14 _da_6\"> </span>7<span class=\"__14 _a6_7\"> </span><span class=\"ls14_11 ws3a_5\">151<span class=\"__14 _a1_6\"> </span></span>30<span class=\"__14 _14f_2\"> </span>5 85<span class=\"__14 _1058\"/>7     Sj\u00f6fartstj\u00e4ns<span class=\"__14 _1058\"/>ter<span class=\"__14 _1114\"> </span>1<span class=\"__14 _1104\"> </span>21<span class=\"__14 _1ce\"> </span>0<span class=\"__14 _1106\"> </span>0<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _1106\"> </span>0<span class=\"__14 _9c_7\"> </span>0<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _1106\"> </span>0<span class=\"__14 _a7_7\"> </span>467<span class=\"__14 _1ce\"> </span>Samh\u00e4llsnyttiga tj\u00e4nster<span class=\"__14 _be_7\"> </span><span class=\"ls14_11 ws3a_5\">-11<span class=\"__14 _1113\"> </span>-14<span class=\"__14 _a1_6\"> </span></span>45<span class=\"__14 _a1_6\"> </span>58<span class=\"__14 _4c_6\"> </span>40<span class=\"__14 _1106\"> </span>4<span class=\"__14 _da_6\"> </span>7<span class=\"__14 _a1_6\"> </span>29<span class=\"__14 _4c_6\"> </span><span class=\"ls21_7 ws47_3\">64<span class=\"__14 _14f_2\"> </span></span>7 705     El, vatten och gas<span class=\"__14 _1221\"> </span>-6<span class=\"__14 _a6_7\"> </span><span class=\"ls14_11 ws3a_5\">-16<span class=\"__14 _1130\"> </span></span>29<span class=\"__14 _a1_6\"> </span><span class=\"ls1d_8 ws43_5\">79<span class=\"__14 _a1_6\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _b0_6\"> </span></span></span>2<span class=\"__14 _1106\"> </span>5<span class=\"__14 _1136\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _4c_6\"> </span></span>59<span class=\"__14 _14f_2\"> </span>3 661     Kraftproduk<span class=\"__14 _b_13\"/>tion<span class=\"__14 _1214\"> </span>2<span class=\"__14 _1106\"> </span>6<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _da_6\"> </span>3<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>0<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _b7_7\"> </span>1<span class=\"__14 _1121\"> </span>100<span class=\"__14 _9a_6\"> </span>3 345     Allm\u00e4nnyttiga f<span class=\"__14 _b_13\"/>\u00f6retag<span class=\"__14 _6c_6\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _1149\"> </span></span>-<span class=\"__14 _1058\"/>100<span class=\"__14 _1104\"> </span>15<span class=\"__14 _5f_6\"> </span>215<span class=\"__14 _fc_7\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _b0_6\"> </span></span>2<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _1136\"> </span>11<span class=\"__14 _fc_7\"> </span><span class=\"ls20_7 ws46_4\">73<span class=\"__14 _1153\"> </span></span>699<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _b_13\"/>astighetsbolag<span class=\"__14 _1222\"> </span>-44<span class=\"__14 _1113\"> </span><span class=\"ls14_11 ws3a_5\">-1<span class=\"__14 _1072\"/>2<span class=\"__14 _1118\"> </span></span>182<span class=\"__14 _a1_6\"> </span>50<span class=\"__14 _1118\"> </span>183<span class=\"__14 _1130\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _a1_6\"> </span><span class=\"ls24_6 ws4a_3\">42<span class=\"__14 _a6_7\"> </span><span class=\"ls14_11 ws3a_5\">117<span class=\"__14 _4c_6\"> </span><span class=\"ls21_7 ws47_3\">64<span class=\"__14 _1106\"> </span></span></span></span></span>36 692<span class=\"__14 _1ce\"> </span>\u00d6vriga branscher<span class=\"__14 _1217\"> </span>0<span class=\"__14 _9c_7\"> </span>0<span class=\"__14 _1106\"> </span>8<span class=\"__14 _1118\"> </span>128<span class=\"__14 _1106\"> </span>6<span class=\"__14 _da_6\"> </span>5<span class=\"__14 _b0_6\"> </span>1<span class=\"__14 _1106\"> </span>0<span class=\"__14 _1106\"> </span>0<span class=\"__14 _a7_7\"> </span>625<span class=\"__14 _1ce\"> </span>Summa f\u00f6retagsk<span class=\"__14 _b_13\"/>under<span class=\"__14 _1101\"> </span><span class=\"ls22_6 ws48_3\">-7<span class=\"__14 _1072\"/>3<span class=\"__14 _1129\"> </span></span>-6<span class=\"__14 _1223\"> </span>2 472<span class=\"__14 _7b_6\"> </span>211<span class=\"__14 _1223\"> </span>1 602<span class=\"__14 _1113\"> </span>111<span class=\"__14 _1121\"> </span><span class=\"ls16_11 ws3c_5\">242<span class=\"__14 _a0_6\"> </span></span>1 249<span class=\"__14 _fc_7\"> </span><span class=\"ls14_11 ws3a_5\">51<span class=\"__14 _1129\"> </span></span>116 910   Bol\u00e5n<span class=\"__14 _1224\"> </span><span class=\"ls23_6 ws49_3\">-7<span class=\"__14 _1072\"/>2<span class=\"__14 _1129\"> </span></span>-6<span class=\"__14 _1118\"> </span>477<span class=\"__14 _a1_6\"> </span>39<span class=\"__14 _1120\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>1<span class=\"__14 _1104\"> </span></span>15<span class=\"__14 _a1_6\"> </span>38<span class=\"__14 _7c_6\"> </span>88<span class=\"__14 _fc_7\"> </span>18<span class=\"__14 _1104\"> </span>122 984   L\u00e5n mot s\u00e4kerhet<span class=\"__14 _1145\"> </span>27<span class=\"__14 _fc_7\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1118\"> </span></span>310<span class=\"__14 _1118\"> </span>166<span class=\"__14 _1121\"> </span>256<span class=\"__14 _a1_6\"> </span>47<span class=\"__14 _4c_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _5f_6\"> </span></span>161<span class=\"__14 _1130\"> </span><span class=\"ls1a_9 ws40_5\">52<span class=\"__14 _b7_7\"> </span></span>18 632   L\u00e5n utan s\u00e4kerhet<span class=\"__14 _1164\"> </span>4<span class=\"__14 _9c_7\"> </span>6<span class=\"__14 _5f_6\"> </span>219<span class=\"__14 _1121\"> </span>32<span class=\"__14 _1072\"/>3<span class=\"__14 _1121\"> </span>202<span class=\"__14 _1104\"> </span>21<span class=\"__14 _1129\"> </span>71<span class=\"__14 _1120\"> </span>110<span class=\"__14 _a1_6\"> </span>50<span class=\"__14 _9a_6\"> </span>6 779<span class=\"__14 _1ce\"> </span>Privatkunder<span class=\"__14 _11f_7\"> </span>-<span class=\"__14 _1072\"/>41<span class=\"__14 _1129\"> </span>-3<span class=\"__14 _3d_8\"> </span>1 006<span class=\"__14 _7c_6\"> </span>68<span class=\"__14 _8c_6\"> </span>599<span class=\"__14 _4c_6\"> </span>83<span class=\"__14 _5f_6\"> </span><span class=\"ls14_11 ws3a_5\">157<span class=\"__14 _1121\"> </span></span>359<span class=\"__14 _4c_6\"> </span>36<span class=\"__14 _a1_6\"> </span>148 395<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Offen</span><span class=\"__14 _1058\"/>tlig sektor<span class=\"__14 _1225\"> </span><span class=\"ls1b_8 ws41_5\">-4<span class=\"__14 _1104\"> </span></span>-9<span class=\"__14 _4c_6\"> </span>34<span class=\"__14 _1130\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _b0_6\"> </span></span>2<span class=\"__14 _1106\"> </span>0<span class=\"__14 _9c_7\"> </span>0<span class=\"__14 _da_6\"> </span>2<span class=\"__14 _1106\"> </span>6<span class=\"__14 _1102\"> </span>4 569<span class=\"__14 _1ce\"> </span>Utl\u00e5ning till allm\u00e4nheten <span class=\"__14 _fc_7\"> </span>-118<span class=\"__14 _1104\"> </span><span class=\"ls1b_8 ws41_5\">-4<span class=\"__14 _8b_6\"> </span></span>3 512<span class=\"__14 _1121\"> </span>130<span class=\"__14 _1223\"> </span>2 203<span class=\"__14 _1121\"> </span>194<span class=\"__14 _8c_6\"> </span>399<span class=\"__14 _a0_6\"> </span>1 610<span class=\"__14 _7c_6\"> </span>46<span class=\"__14 _a1_6\"> </span>269 87<span class=\"__14 _b_13\"/>4<span class=\"__14 _1ce\"> </span>1)  Inklusive reserveringar f\u00f6r e<span class=\"__14 _b_13\"/>xponeringar utanf\u00f6r balansr\u00e4kningen.<span class=\"__14 _1ce\"> </span>2)   <span class=\"__14 _1069\"/>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar f\u00f6r kategori 3 dividera<span class=\"__14 _b_13\"/>t med exponeringar i kategori 3<span class=\"__14 _1ce\"> </span>.<span class=\"__14 _1ce\"> </span>2.<span class=\"__14 _b_13\"/>13 Geogra\ufb01sk f<span class=\"__14 _b_13\"/>\u00f6rdelning<span class=\"__14 _1ce\"> </span>Portf\u00f6ljen har en god geogr<span class=\"__14 _b_13\"/>a\ufb01sk f\u00f6rdelning, och inget land<span class=\"__14 _1ce\"> </span>svarar f<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">\u00f6r mer \u00e4n 36 procent a</span><span class=\"__14 _b_13\"/>v utl\u00e5ningen, utifr\u00e5n var den<span class=\"__14 _1ce\"> </span>kundansvariga enhet<span class=\"__14 _1058\"/>en \u00e4r bel\u00e4gen. \u00d6vriga EU-l\u00e4nder utg\u00f6r<span class=\"__14 _1ce\"> </span>den st\u00f6rsta delen a<span class=\"__14 _b_13\"/>v utl\u00e5ningen utanf<span class=\"__14 _1058\"/>\u00f6r Norden. Kunder i<span class=\"__14 _1ce\"> </span>Norden st\u00e5r f<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">\u00f6r 95 procent (94 proc</span><span class=\"__14 _b_13\"/>ent) av Nordeas utl\u00e5ning<span class=\"__14 _1ce\"> </span>till allm\u00e4nheten, utifr\u00e5n en f<span class=\"__14 _b_13\"/>\u00f6rdelning efter l\u00e5ntagarnas<span class=\"__14 _1ce\"> </span>hemvist. Utl\u00e5ning till allm\u00e4nheten, v\u00e4rder<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ad till upplupet anskaffningsv\u00e4rde, geogr</span><span class=\"__14 _b_13\"/>a\ufb01sk f\u00f6rdelning<span class=\"__14 _1ce\"> </span>1<span class=\"__14 _1ce\"> </span>Brutto<span class=\"__14 _b3_6\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>31 dec 2022, mn euro<span class=\"__14 _1222\"> </span>Ka<span class=\"__14 _1058\"/>tegori 1<span class=\"__14 _1154\"> </span>Kategori 2<span class=\"__14 _1115\"> </span>Kategori 3<span class=\"__14 _8c_6\"> </span>Kategori 1<span class=\"__14 _1154\"> </span>Kategori 2<span class=\"__14 _1115\"> </span>Kategori 3<span class=\"__14 _14f_2\"> </span>Netto<span class=\"__14 _1ce\"> </span>Danmark<span class=\"__14 _5e_6\"> </span>23 868<span class=\"__14 _9a_6\"> </span>1 668<span class=\"__14 _a3_6\"> </span>531<span class=\"__14 _1087\"> </span><span class=\"ls1a_9 ws40_5\">52<span class=\"__14 _a2_6\"> </span></span>139<span class=\"__14 _a2_6\"> </span>287<span class=\"__14 _1106\"> </span>25 589<span class=\"__14 _1ce\"> </span>Finland<span class=\"__14 _bd_7\"> </span>62 330<span class=\"__14 _9a_6\"> </span>5 657<span class=\"__14 _1105\"> </span>955<span class=\"__14 _1226\"> </span>39<span class=\"__14 _1093\"> </span>125<span class=\"__14 _6c_6\"> </span>384<span class=\"__14 _9c_7\"> </span>68 394<span class=\"__14 _1ce\"> </span>Norge<span class=\"__14 _1177\"> </span>65 440<span class=\"__14 _9a_6\"> </span>2 933<span class=\"__14 _a2_6\"> </span>329<span class=\"__14 _16a\"> </span>68<span class=\"__14 _1226\"> </span>67<span class=\"__14 _a3_6\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1072\"/>3<span class=\"__14 _9c_7\"> </span></span>68 4<span class=\"__14 _1072\"/>24<span class=\"__14 _1ce\"> </span>Sverige<span class=\"__14 _16b\"> </span>96 085<span class=\"__14 _a4_6\"> </span>2 086<span class=\"__14 _1093\"> </span>312<span class=\"__14 _1226\"> </span><span class=\"ls24_6 ws4a_3\">42<span class=\"__14 _b8_6\"> </span></span>71<span class=\"__14 _1093\"> </span><span class=\"ls14_11 ws3a_5\">147<span class=\"__14 _da_6\"> </span></span>98 223<span class=\"__14 _1ce\"> </span>USA<span class=\"__14 _fa_6\"> </span><span class=\"ls0_14 ws0_14\">1 197<span class=\"__14 _1226\"> </span>66<span class=\"__14 _1128\"> </span>2<span class=\"__14 _7a_6\"> </span>1<span class=\"__14 _1128\"> </span>0<span class=\"__14 _7a_6\"> </span>1<span class=\"__14 _7e_6\"> </span>1 263<span class=\"__14 _1ce\"> </span></span>\u00d6vrigt<span class=\"__14 _16c\"> </span>12 820<span class=\"__14 _6c_6\"> </span>368<span class=\"__14 _2a_8\"> </span>113<span class=\"__14 _1087\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1128\"> </span></span>6<span class=\"__14 _16d\"> </span>58<span class=\"__14 _aa_6\"> </span>13 22<span class=\"__14 _1072\"/>3<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1116\"> </span>261 7<span class=\"__14 _1058\"/>40<span class=\"__14 _b7_7\"> </span>12 778<span class=\"__14 _9a_6\"> </span><span class=\"ls16_11 ws3c_5\">2<span class=\"__14 _1072\"/> 24<span class=\"__14 _1072\"/>2<span class=\"__14 _a3_6\"> </span></span>216<span class=\"__14 _1153\"> </span>408<span class=\"__14 _9a_6\"> </span>1 020<span class=\"__14 _1136\"> </span>275 116<span class=\"__14 _1ce\"> </span>Brutto<span class=\"__14 _b3_6\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>31 dec 2021, mn euro<span class=\"__14 _1103\"> </span>Ka<span class=\"__14 _b_13\"/>tegori 1<span class=\"__14 _8c_6\"> </span>Ka<span class=\"__14 _b_13\"/>tegori 2<span class=\"__14 _8c_6\"> </span>Ka<span class=\"__14 _b_13\"/>tegori 3<span class=\"__14 _8c_6\"> </span>Kategori 1<span class=\"__14 _1154\"> </span>Kategori 2<span class=\"__14 _1154\"> </span>Kategori 3<span class=\"__14 _14f_2\"> </span>Netto<span class=\"__14 _1ce\"> </span>Danmark<span class=\"__14 _1095\"> </span>20 486<span class=\"__14 _14f_2\"> </span>1 478<span class=\"__14 _1105\"> </span>595<span class=\"__14 _16d\"> </span>44<span class=\"__14 _1092\"> </span><span class=\"ls14_11 ws3a_5\">151<span class=\"__14 _a3_6\"> </span></span>381<span class=\"__14 _b7_7\"> </span>21 983<span class=\"__14 _1ce\"> </span>Finland<span class=\"__14 _16e\"> </span>60 652<span class=\"__14 _1111\"> </span>5 878<span class=\"__14 _14f_2\"> </span>1 054<span class=\"__14 _16d\"> </span>30<span class=\"__14 _12c_4\"> </span>118<span class=\"__14 _1105\"> </span>4<span class=\"__14 _1072\"/>37<span class=\"__14 _8d_6\"> </span>66 999<span class=\"__14 _1ce\"> </span>Norge<span class=\"__14 _16c\"> </span>66 21<span class=\"__14 _1058\"/>4<span class=\"__14 _9a_6\"> </span>2 704<span class=\"__14 _6c_6\"> </span>84<span class=\"__14 _1072\"/>2<span class=\"__14 _1226\"> </span>82<span class=\"__14 _16f\"> </span>67<span class=\"__14 _1105\"> </span>302<span class=\"__14 _8d_6\"> </span>69 309<span class=\"__14 _1ce\"> </span>Sverige<span class=\"__14 _16e\"> </span>94 266<span class=\"__14 _1111\"> </span>2 260<span class=\"__14 _a3_6\"> </span>316<span class=\"__14 _1226\"> </span>28<span class=\"__14 _16f\"> </span>53<span class=\"__14 _1093\"> </span>123<span class=\"__14 _9c_7\"> </span>96 638<span class=\"__14 _1ce\"> </span>USA<span class=\"__14 _6e_6\"> </span><span class=\"ls0_14 ws0_14\">1 892<span class=\"__14 _1128\"> </span>2<span class=\"__14 _1128\"> </span>3<span class=\"__14 _7a_6\"> </span>1<span class=\"__14 _1227\"> </span>1<span class=\"__14 _1227\"> </span>1<span class=\"__14 _1111\"> </span>1 894<span class=\"__14 _1ce\"> </span></span>\u00d6vrigt<span class=\"__14 _1228\"> </span>12 322<span class=\"__14 _12c_4\"> </span>411<span class=\"__14 _a2_6\"> </span>702<span class=\"__14 _1229\"> </span>9<span class=\"__14 _1229\"> </span>9<span class=\"__14 _a7_7\"> </span>366<span class=\"__14 _1156\"> </span>13 051<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1201\"> </span>255 832<span class=\"__14 _aa_6\"> </span>12 733<span class=\"__14 _7e_6\"> </span>3 512<span class=\"__14 _1105\"> </span>194<span class=\"__14 _a7_7\"> </span>399<span class=\"__14 _14f_2\"> </span>1 610<span class=\"__14 _4c_6\"> </span>269 874<span class=\"__14 _1ce\"> </span>1)  Baserat p\u00e5 landet d\u00e4r kunden har sin hemvis<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>.<span class=\"__14 _1ce\"> </span>2.<span class=\"__14 _b_13\"/>14 Kundklassi\ufb01c<span class=\"__14 _1058\"/>ering<span class=\"__14 _1ce\"> </span> Ett s\u00e4tt att bed\u00f6ma kr<span class=\"__14 _1058\"/>editkvaliteten \u00e4r a<span class=\"__14 _b_13\"/>tt analysera f\u00f6r<span class=\"__14 _b_13\"/>del-<span class=\"__14 _1ce\"> </span>ningen mellan ratingklasserna f<span class=\"__14 _b_13\"/>\u00f6r f\u00f6retagsk<span class=\"__14 _b_13\"/>under och institut<span class=\"__14 _1ce\"> </span> med rating, och mellan riskklasserna f<span class=\"__14 _b_13\"/>\u00f6r privatkunder och<span class=\"__14 _1ce\"> </span> sm\u00e5 f\u00f6r<span class=\"__14 _1058\"/>etagskunder med scoring, dvs. hush\u00e5llsportf<span class=\"__14 _b_13\"/>\u00f6ljen. Den<span class=\"__14 _1ce\"> </span> genomsnittliga kreditkvalitet<span class=\"__14 _b_13\"/>en var stabil under 2022 i b\u00e5de<span class=\"__14 _1ce\"> </span> f\u00f6r<span class=\"__14 _1058\"/>etagsportf\u00f6ljen och priva<span class=\"__14 _b_13\"/>tpor<span class=\"__14 _1072\"/>tf\u00f6ljen. I fr<span class=\"__14 _b_13\"/>\u00e5ga om exponering<span class=\"__14 _1ce\"> </span> omf<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">attades 17 procen</span><span class=\"__14 _b_13\"/>t (34 procent) a<span class=\"__14 _1058\"/>v f\u00f6r<span class=\"__14 _1058\"/>etagsportf\u00f6ljen a<span class=\"__14 _b_13\"/>v<span class=\"__14 _1ce\"> </span> h\u00f6gre ra<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">ting och 12 procen</span><span class=\"__14 _b_13\"/>t (19 procent) a<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">v l\u00e4gre. 92 procen</span><span class=\"__14 _b_13\"/>t<span class=\"__14 _1ce\"> </span> (89 procen<span class=\"__14 _b_13\"/>t) av utl\u00e5ningen till f\u00f6ret<span class=\"__14 _1058\"/>ag l\u00e5g i ratingklass 4\u2013<span class=\"__14 _1ce\"> </span> eller h\u00f6gre, med en genomsnittlig ra<span class=\"__14 _b_13\"/>ting p\u00e5 5\u2013.<span class=\"__14 _1ce\"> </span>Institut och priva<span class=\"__14 _b_13\"/>tkunder \u00e5terfanns huvudsakligen i de s\u00e4k<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">rare riskklasserna. 94 pr</span><span class=\"__14 _b_13\"/>ocent (94 procen<span class=\"__14 _1058\"/>t) av priv<span class=\"__14 _b_13\"/>atkundsex<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>poneringen \u00e5terfanns i riskklass C<span class=\"__14 _1c_10\"/>\u2013 eller h\u00f6gre, d\u00e4r sannolik-<span class=\"__14 _1ce\"> </span>heten f\u00f6r f<span class=\"__14 _b_13\"/>allissemang \u00e4r 1 procent eller l\u00e4gr<span class=\"__14 _b_13\"/>e. De samman-<span class=\"__14 _1ce\"> </span>tagna f\u00f6r<span class=\"__14 _b_13\"/>\u00e4ndringarna i kreditkvaliteten medf<span class=\"__14 _b_13\"/>\u00f6rde en \u00f6kning<span class=\"__14 _1ce\"> </span> av risk<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">exponeringsbeloppet (REA) med cirka 0,24 proc</span><span class=\"__14 _b_13\"/>ent<span class=\"__14 _1ce\"> </span> under 2022.<span class=\"__14 _1ce\"> </span>Ratinginf<span class=\"__14 _b_13\"/>ormation f\u00f6r l\u00e5n v<span class=\"__14 _1058\"/>\u00e4rderade till uppl<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">upet anskaffningsv</span><span class=\"__14 _b_13\"/>\u00e4rde <span class=\"__14 _7d_7\"> </span> <span class=\"__14 _b7_7\"> </span> <span class=\"__14 _b7_7\"> </span> Mn euro  <span class=\"__14 _1ce\">Rating klass1<span class=\"__14 _1ce\"> </span></span>Genomsnittligt <span class=\"__14 _1069\"/> <span class=\"__14 _1ce\">PD2 (%)<span class=\"__14 _1ce\"> </span></span>Redovisat v<span class=\"__14 _b_13\"/>\u00e4rde f\u00f6re reserver<span class=\"__14 _b_13\"/>, 31 dec 2022<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _5a_6\"> </span>Kategori 2<span class=\"__14 _5a_6\"> </span>Kategori 3<span class=\"__14 _1130\"> </span>Summa<span class=\"__14 _1124\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>7<span class=\"__14 _1230\"> </span>0,00<span class=\"__14 _da_6\"> </span>4 994<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _b7_7\"> </span>4 997<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1ce\"> </span>6<span class=\"__14 _1230\"> </span>0,02<span class=\"__14 _1129\"> </span>18 465<span class=\"__14 _a3_6\"> </span>36<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1147\"> </span>18 501<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1ce\"> </span>5<span class=\"__14 _1230\"> </span>0,09<span class=\"__14 _1136\"> </span>40 175<span class=\"__14 _be_7\"> </span>165<span class=\"__14 _1086\"> </span>2<span class=\"__14 _fc_7\"> </span>40 343<span class=\"__14 _1093\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1ce\"> </span></span>4<span class=\"__14 _1231\"> </span>0,31<span class=\"__14 _1148\"> </span>48 711<span class=\"__14 _4b_6\"> </span>931<span class=\"__14 _1087\"> </span>0<span class=\"__14 _1130\"> </span>49 6<span class=\"__14 _1072\"/>42<span class=\"__14 _1093\"> </span>70<span class=\"__14 _1ce\"> </span>3<span class=\"__14 _1232\"> </span>3,20<span class=\"__14 _1155\"> </span>7 194<span class=\"__14 _1156\"> </span>1 780<span class=\"__14 _2a_8\"> </span>15<span class=\"__14 _1106\"> </span>8 989<span class=\"__14 _a3_6\"> </span>90<span class=\"__14 _1ce\"> </span>2<span class=\"__14 _1233\"> </span>19,45<span class=\"__14 _8e_6\"> </span><span class=\"ls14_11 ws3a_5\">177<span class=\"__14 _1109\"> </span></span>1 165<span class=\"__14 _2a_8\"> </span>15<span class=\"__14 _1152\"> </span>1 357<span class=\"__14 _a3_6\"> </span>58<span class=\"__14 _1ce\"> </span>1<span class=\"__14 _1234\"> </span>62,60<span class=\"__14 _1152\"> </span>1 102<span class=\"__14 _9b_6\"> </span>1 535<span class=\"__14 _1093\"> </span>35<span class=\"__14 _1156\"> </span>2 67<span class=\"__14 _1072\"/>2<span class=\"__14 _a3_6\"> </span>93<span class=\"__14 _1ce\"> </span>Standardmetoden/Utan r<span class=\"__14 _1058\"/>ating<span class=\"__14 _8a_6\"> </span>0,06<span class=\"__14 _8d_6\"> </span>13 170<span class=\"__14 _a4_6\"> </span>1 119<span class=\"__14 _c3_6\"> </span>254<span class=\"__14 _1147\"> </span>1<span class=\"__14 _b_13\"/>4 54<span class=\"__14 _1072\"/>2<span class=\"__14 _be_7\"> </span>166<span class=\"__14 _1ce\"> </span>0 (fallerade<span class=\"__14 _b_13\"/>)<span class=\"__14 _1235\"> </span>100,00<span class=\"__14 _a3_6\"> </span>45<span class=\"__14 _12c_4\"> </span>32<span class=\"__14 _1152\"> </span>1 210<span class=\"__14 _1152\"> </span>1 287<span class=\"__14 _b5_7\"> </span><span class=\"ls1e_7 ws44_4\">7<span class=\"__14 _1072\"/>25<span class=\"__14 _1ce\"> </span></span>Summa<span class=\"__14 _1236\"> </span>134 033<span class=\"__14 _b0_6\"> </span>6 766<span class=\"__14 _1152\"> </span>1 531<span class=\"__14 _1120\"> </span>142 330<span class=\"__14 _1155\"> </span>1 228<span class=\"__14 _1ce\"> </span>Mn euro  <span class=\"__14 _1ce\">Rating klass1<span class=\"__14 _1ce\"> </span></span>Genomsnittligt <span class=\"__14 _1069\"/> <span class=\"__14 _1ce\">PD2 (%)<span class=\"__14 _1ce\"> </span></span>Redovisat v<span class=\"__14 _b_13\"/>\u00e4rde f\u00f6re reserver<span class=\"__14 _b_13\"/>, 31 dec 2021<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _5a_6\"> </span>Kategori 2<span class=\"__14 _5a_6\"> </span>Kategori 3<span class=\"__14 _1130\"> </span>Summa<span class=\"__14 _1124\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>7<span class=\"__14 _1230\"> </span>0,00<span class=\"__14 _b7_7\"> </span>4 228<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1087\"> </span>0<span class=\"__14 _b7_7\"> </span>4 230<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1ce\"> </span>6<span class=\"__14 _1232\"> </span>0,01<span class=\"__14 _1147\"> </span>17 558<span class=\"__14 _12c_4\"> </span>10<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1136\"> </span>17 568<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1ce\"> </span>5<span class=\"__14 _1230\"> </span>0,05<span class=\"__14 _1136\"> </span>33 730<span class=\"__14 _4b_6\"> </span>218<span class=\"__14 _1087\"> </span>0<span class=\"__14 _fc_7\"> </span>33 948<span class=\"__14 _2a_8\"> </span>12<span class=\"__14 _1ce\"> </span>4<span class=\"__14 _17a\"> </span>0,<span class=\"__14 _b_13\"/>12<span class=\"__14 _fc_7\"> </span>46 967<span class=\"__14 _1101\"> </span>689<span class=\"__14 _b8_6\"> </span>2<span class=\"__14 _1104\"> </span>47 658<span class=\"__14 _12c_4\"> </span><span class=\"ls14_11 ws3a_5\">57<span class=\"__14 _1ce\"> </span></span>3<span class=\"__14 _17b\"> </span><span class=\"ls17_11 ws3d_5\">3<span class=\"__14 _1072\"/>,1<span class=\"__14 _1066\"/>7<span class=\"__14 _b0_6\"> </span></span>8 098<span class=\"__14 _aa_6\"> </span>1 959<span class=\"__14 _1086\"> </span>3<span class=\"__14 _fc_7\"> </span>10 060<span class=\"__14 _1079\"> </span>107<span class=\"__14 _1ce\"> </span>2<span class=\"__14 _17c\"> </span>13,70<span class=\"__14 _1079\"> </span>110<span class=\"__14 _aa_6\"> </span>1 466<span class=\"__14 _1093\"> </span><span class=\"ls18_10 ws3e_5\">97<span class=\"__14 _9b_6\"> </span></span>1 673<span class=\"__14 _12c_4\"> </span>75<span class=\"__14 _1ce\"> </span>1<span class=\"__14 _17d\"> </span>33,91<span class=\"__14 _a2_6\"> </span>88<span class=\"__14 _1156\"> </span>1 4<span class=\"__14 _1072\"/>35<span class=\"__14 _12c_4\"> </span>16<span class=\"__14 _1155\"> </span>1 539<span class=\"__14 _1093\"> </span>85<span class=\"__14 _1ce\"> </span>Standardmetoden/Utan r<span class=\"__14 _1058\"/>ating<span class=\"__14 _1177\"> </span>0,02<span class=\"__14 _1104\"> </span>16 044<span class=\"__14 _c3_6\"> </span>794<span class=\"__14 _1101\"> </span>208<span class=\"__14 _1136\"> </span>17 046<span class=\"__14 _1079\"> </span>153<span class=\"__14 _1ce\"> </span>0 (fallerade<span class=\"__14 _b_13\"/>)<span class=\"__14 _1235\"> </span>100,00<span class=\"__14 _1093\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1093\"> </span></span>87<span class=\"__14 _b7_7\"> </span>2 340<span class=\"__14 _b7_7\"> </span>2 450<span class=\"__14 _1152\"> </span>1 222<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _17e\"> </span>126 846<span class=\"__14 _1106\"> </span>6 660<span class=\"__14 _b0_6\"> </span>2 666<span class=\"__14 _a5_7\"> </span>136 172<span class=\"__14 _1102\"> </span>1 712<span class=\"__14 _1ce\"> </span>Scoringinf<span class=\"__14 _b_13\"/>ormation f\u00f6r l\u00e5n v\u00e4r<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">derade till upplupet anskaffningsv\u00e4r</span><span class=\"__14 _b_13\"/>de <span class=\"__14 _17f\"> </span> <span class=\"__14 _b7_7\"> </span> <span class=\"__14 _b7_7\"> </span> Mn euro  <span class=\"__14 _1ce\">Scoring klass1<span class=\"__14 _1ce\"> </span></span>Genomsnittligt <span class=\"__14 _1069\"/> <span class=\"__14 _1ce\">PD2 (%)<span class=\"__14 _1ce\"> </span></span>Redovisat v<span class=\"__14 _b_13\"/>\u00e4rde f\u00f6re reserver<span class=\"__14 _b_13\"/>, 31 dec 2022<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _5a_6\"> </span>Kategori 2<span class=\"__14 _5a_6\"> </span>Kategori 3<span class=\"__14 _1130\"> </span>Summa<span class=\"__14 _1124\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>A<span class=\"__14 _1237\"> </span>0,04<span class=\"__14 _1104\"> </span>96 018<span class=\"__14 _b5_7\"> </span>410<span class=\"__14 _12c_4\"> </span>10<span class=\"__14 _1130\"> </span>96 4<span class=\"__14 _1072\"/>38<span class=\"__14 _a3_6\"> </span>20<span class=\"__14 _1ce\"> </span>B<span class=\"__14 _1238\"> </span>0,30<span class=\"__14 _1104\"> </span>19 894<span class=\"__14 _1101\"> </span>803<span class=\"__14 _1086\"> </span>2<span class=\"__14 _1130\"> </span>20 699<span class=\"__14 _12c_4\"> </span>19<span class=\"__14 _1ce\"> </span>C<span class=\"__14 _1231\"> </span>2,<span class=\"__14 _b_13\"/>10<span class=\"__14 _aa_6\"> </span>7 829<span class=\"__14 _1156\"> </span>1 454<span class=\"__14 _1086\"> </span>7<span class=\"__14 _b0_6\"> </span>9 290<span class=\"__14 _12c_4\"> </span>32<span class=\"__14 _1ce\"> </span>D<span class=\"__14 _1231\"> </span><span class=\"ls17_11 ws3d_5\">6<span class=\"__14 _1072\"/>,1<span class=\"__14 _1072\"/>7<span class=\"__14 _1156\"> </span></span>4 655<span class=\"__14 _aa_6\"> </span>1 494<span class=\"__14 _1086\"> </span>7<span class=\"__14 _1156\"> </span>6 156<span class=\"__14 _a2_6\"> </span>40<span class=\"__14 _1ce\"> </span>E<span class=\"__14 _1234\"> </span>15,92<span class=\"__14 _1152\"> </span>1 139<span class=\"__14 _1079\"> </span>871<span class=\"__14 _12c_4\"> </span>10<span class=\"__14 _b7_7\"> </span>2 020<span class=\"__14 _1092\"> </span>41<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _1239\"> </span>30,58<span class=\"__14 _b5_7\"> </span>601<span class=\"__14 _c3_6\"> </span>832<span class=\"__14 _1092\"> </span>37<span class=\"__14 _1156\"> </span>1 470<span class=\"__14 _a2_6\"> </span>60<span class=\"__14 _1ce\"> </span>Standardmetoden/Utan r<span class=\"__14 _1058\"/>ating<span class=\"__14 _1177\"> </span><span class=\"ls24_6 ws4a_3\">N.A.<span class=\"__14 _c3_6\"> </span></span>220<span class=\"__14 _12c_4\"> </span>10<span class=\"__14 _bb_7\"> </span>1<span class=\"__14 _1079\"> </span>231<span class=\"__14 _b8_6\"> </span>0<span class=\"__14 _1ce\"> </span>0 (fallerade<span class=\"__14 _b_13\"/>)<span class=\"__14 _1235\"> </span>100,00<span class=\"__14 _b5_7\"> </span>196<span class=\"__14 _be_7\"> </span><span class=\"ls14_11 ws3a_5\">146<span class=\"__14 _1101\"> </span></span>650<span class=\"__14 _c3_6\"> </span>992<span class=\"__14 _be_7\"> </span>233<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1240\"> </span>130 552<span class=\"__14 _da_6\"> </span>6 020<span class=\"__14 _b5_7\"> </span><span class=\"ls16_11 ws3c_5\">7<span class=\"__14 _1072\"/>24<span class=\"__14 _a6_7\"> </span></span>137 296<span class=\"__14 _1151\"> </span>445<span class=\"__14 _1ce\"> </span>Mn euro  <span class=\"__14 _1ce\">Scoring klass1<span class=\"__14 _1ce\"> </span></span>Genomsnittligt <span class=\"__14 _1069\"/> <span class=\"__14 _1ce\">PD2 (%)<span class=\"__14 _1ce\"> </span></span>Redovisat v<span class=\"__14 _b_13\"/>\u00e4rde f\u00f6re reserver<span class=\"__14 _b_13\"/>, 31 dec 2021<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _5a_6\"> </span>Kategori 2<span class=\"__14 _5a_6\"> </span>Kategori 3<span class=\"__14 _1130\"> </span>Summa<span class=\"__14 _1124\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>A<span class=\"__14 _1238\"> </span>0,03<span class=\"__14 _1129\"> </span>86 165<span class=\"__14 _b5_7\"> </span>199<span class=\"__14 _b8_6\"> </span>6<span class=\"__14 _fc_7\"> </span>86 370<span class=\"__14 _b8_6\"> </span>8<span class=\"__14 _1ce\"> </span>B<span class=\"__14 _1238\"> </span>0,28<span class=\"__14 _1136\"> </span>26 758<span class=\"__14 _1101\"> </span>544<span class=\"__14 _b8_6\"> </span>3<span class=\"__14 _1136\"> </span>27 305<span class=\"__14 _2a_8\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1ce\"> </span></span>C<span class=\"__14 _17a\"> </span>1,<span class=\"__14 _b_13\"/>75<span class=\"__14 _9c_7\"> </span>11 159<span class=\"__14 _1155\"> </span>1 624<span class=\"__14 _b8_6\"> </span>5<span class=\"__14 _1147\"> </span>12 788<span class=\"__14 _1092\"> </span>31<span class=\"__14 _1ce\"> </span>D<span class=\"__14 _1238\"> </span>5,50<span class=\"__14 _b0_6\"> </span>4 405<span class=\"__14 _a4_6\"> </span>1 717<span class=\"__14 _1086\"> </span>7<span class=\"__14 _1156\"> </span>6 129<span class=\"__14 _a2_6\"> </span>40<span class=\"__14 _1ce\"> </span>E<span class=\"__14 _17d\"> </span>13,71<span class=\"__14 _9b_6\"> </span>1 461<span class=\"__14 _b5_7\"> </span>932<span class=\"__14 _1087\"> </span>4<span class=\"__14 _1156\"> </span>2 397<span class=\"__14 _1092\"> </span>41<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _1241\"> </span>23,30<span class=\"__14 _b5_7\"> </span>618<span class=\"__14 _be_7\"> </span>941<span class=\"__14 _1093\"> </span>28<span class=\"__14 _1155\"> </span>1 587<span class=\"__14 _a3_6\"> </span>59<span class=\"__14 _1ce\"> </span>0 (fallerade<span class=\"__14 _b_13\"/>)<span class=\"__14 _1235\"> </span>100,00<span class=\"__14 _1101\"> </span>204<span class=\"__14 _1153\"> </span>131<span class=\"__14 _c3_6\"> </span>793<span class=\"__14 _1109\"> </span>1 128<span class=\"__14 _1101\"> </span>298<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1240\"> </span>130 770<span class=\"__14 _1106\"> </span>6 088<span class=\"__14 _e2_6\"> </span>846<span class=\"__14 _a6_7\"> </span>137 704<span class=\"__14 _e2_6\"> </span>494<span class=\"__14 _1ce\"> </span>1)  Kategoriindelningen och ber<span class=\"__14 _1058\"/>\u00e4knade reserver f\u00f6r v<span class=\"__14 _1058\"/>arje exponering baseras p\u00e5 situa<span class=\"__14 _b_13\"/>tionen i slutet av oktober 2022 (ok<span class=\"__14 _b_13\"/>tober 2021), medan exponeringsbelopp och ratingklasser baseras p\u00e5 situationen i slutet a<span class=\"__14 _b_13\"/>v december 2022 (december 2021). Vissa exponeringar som \u00e4r fallerade enligt r<span class=\"__14 _b_13\"/>atingklasserna i slutet av december var in<span class=\"__14 _b_13\"/>te fallerade i oktober<span class=\"__14 _b_13\"/>, vilket reflekte-<span class=\"__14 _1ce\"> </span>ras i kategoriindelningen.<span class=\"__14 _1ce\"> </span>2)  Genomsnittligt PD exklusive Nordea Financ<span class=\"__14 _1058\"/>e Equipment <span class=\"__14 _b_13\"/>AS.<span class=\"__14 _1ce\"> </span>Ratinginf<span class=\"__14 _b_13\"/>ormation f\u00f6r gar<span class=\"__14 _b_13\"/>antier<span class=\"__14 _b_13\"/>/<span class=\"__14 _1058\"/>\u00e5taganden<span class=\"__14 _1ce\"> </span>Mn euro  Rating klass<span class=\"__14 _1ce\"> </span>Nominella belopp 31 dec 2022<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _1106\"> </span>Kategori 2<span class=\"__14 _1106\"> </span>Kategori 3<span class=\"__14 _1079\"> </span>Summa<span class=\"__14 _1121\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>7<span class=\"__14 _1242\"> </span>7 760<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1200\"> </span>7 760<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1ce\"> </span>6<span class=\"__14 _1237\"> </span>13 834<span class=\"__14 _1164\"> </span>1<span class=\"__14 _1145\"> </span>0<span class=\"__14 _a7_7\"> </span>13 835<span class=\"__14 _1215\"> </span>2<span class=\"__14 _1ce\"> </span>5<span class=\"__14 _1238\"> </span>35 672<span class=\"__14 _1211\"> </span>18<span class=\"__14 _1215\"> </span>2<span class=\"__14 _1153\"> </span>35 692<span class=\"__14 _1211\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1ce\"> </span></span>4<span class=\"__14 _17c\"> </span>20 596<span class=\"__14 _1128\"> </span>488<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1153\"> </span>21 084<span class=\"__14 _1243\"> </span>21<span class=\"__14 _1ce\"> </span>3<span class=\"__14 _1244\"> </span>4 304<span class=\"__14 _16d\"> </span>1 205<span class=\"__14 _1245\"> </span>6<span class=\"__14 _16f\"> </span>5 515<span class=\"__14 _1211\"> </span>19<span class=\"__14 _1ce\"> </span>2<span class=\"__14 _1246\"> </span>0<span class=\"__14 _15b_1\"> </span>737<span class=\"__14 _1215\"> </span>5<span class=\"__14 _15b_1\"> </span><span class=\"ls1f_7 ws45_4\">74<span class=\"__14 _1066\"/>2<span class=\"__14 _1243\"> </span></span>19<span class=\"__14 _1ce\"> </span>1<span class=\"__14 _18a\"> </span>0<span class=\"__14 _7a_6\"> </span>639<span class=\"__14 _1145\"> </span>0<span class=\"__14 _7a_6\"> </span>639<span class=\"__14 _1221\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1ce\"> </span></span>Standardmetoden/Utan r<span class=\"__14 _1058\"/>ating<span class=\"__14 _1158\"> </span>1 277<span class=\"__14 _1227\"> </span>302<span class=\"__14 _18b\"> </span>1<span class=\"__14 _16a\"> </span>1 580<span class=\"__14 _1245\"> </span>5<span class=\"__14 _1ce\"> </span>0 (fallerade<span class=\"__14 _b_13\"/>)<span class=\"__14 _18c\"> </span>0<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1227\"> </span>202<span class=\"__14 _1227\"> </span>202<span class=\"__14 _1211\"> </span>10<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _18d\"> </span>83 443<span class=\"__14 _1090\"> </span>3 390<span class=\"__14 _15b_1\"> </span>216<span class=\"__14 _1079\"> </span>87 049<span class=\"__14 _1082\"> </span><span class=\"ls14_11 ws3a_5\">114<span class=\"__14 _1ce\"> </span></span>Mn euro  Rating klass<span class=\"__14 _1ce\"> </span>Nominella belopp 31 dec 2021<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _1106\"> </span>Kategori 2<span class=\"__14 _1106\"> </span>Kategori 3<span class=\"__14 _1079\"> </span>Summa<span class=\"__14 _1121\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>7<span class=\"__14 _1244\"> </span>8 4<span class=\"__14 _1072\"/>20<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1145\"> </span>0<span class=\"__14 _2a_8\"> </span>8 4<span class=\"__14 _1072\"/>20<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1ce\"> </span>6<span class=\"__14 _17b\"> </span>8 787<span class=\"__14 _18b\"> </span>1<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1203\"> </span>8 788<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1ce\"> </span>5<span class=\"__14 _17d\"> </span>32 660<span class=\"__14 _1211\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1145\"> </span></span>0<span class=\"__14 _1105\"> </span>32 67<span class=\"__14 _b_13\"/>4<span class=\"__14 _1145\"> </span>4<span class=\"__14 _1ce\"> </span>4<span class=\"__14 _1237\"> </span>25 785<span class=\"__14 _1227\"> </span>479<span class=\"__14 _1145\"> </span>3<span class=\"__14 _a7_7\"> </span>26 267<span class=\"__14 _15a_1\"> </span>13<span class=\"__14 _1ce\"> </span>3<span class=\"__14 _17a\"> </span>4 666<span class=\"__14 _b8_6\"> </span>1 415<span class=\"__14 _1145\"> </span>3<span class=\"__14 _2a_8\"> </span>6 084<span class=\"__14 _1221\"> </span>20<span class=\"__14 _1ce\"> </span>2<span class=\"__14 _1246\"> </span>0<span class=\"__14 _1128\"> </span>808<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1229\"> </span>808<span class=\"__14 _1211\"> </span>18<span class=\"__14 _1ce\"> </span>1<span class=\"__14 _18a\"> </span>0<span class=\"__14 _7a_6\"> </span>630<span class=\"__14 _18b\"> </span>1<span class=\"__14 _15b_1\"> </span>631<span class=\"__14 _1211\"> </span>32<span class=\"__14 _1ce\"> </span>Standardmetoden/Utan r<span class=\"__14 _1058\"/>ating<span class=\"__14 _f9_6\"> </span>2 187<span class=\"__14 _1227\"> </span>108<span class=\"__14 _1245\"> </span>2<span class=\"__14 _16d\"> </span>2 297<span class=\"__14 _1145\"> </span>8<span class=\"__14 _1ce\"> </span>0 (fallerade<span class=\"__14 _b_13\"/>)<span class=\"__14 _18c\"> </span>0<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1227\"> </span>287<span class=\"__14 _1227\"> </span>287<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1198\"> </span>82 505<span class=\"__14 _1090\"> </span>3 455<span class=\"__14 _7a_6\"> </span>296<span class=\"__14 _8e_6\"> </span>86 256<span class=\"__14 _1140\"> </span>95<span class=\"__14 _1ce\"> </span>Scoringinf<span class=\"__14 _b_13\"/>ormation f\u00f6r garan<span class=\"__14 _b_13\"/>tier/<span class=\"__14 _1c_10\"/>\u00e5taganden<span class=\"__14 _1ce\"> </span>Mn euro  Scoring klass<span class=\"__14 _1ce\"> </span>Nominella belopp 31 dec 2022<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _1106\"> </span>Kategori 2<span class=\"__14 _1106\"> </span>Kategori 3<span class=\"__14 _1079\"> </span>Summa<span class=\"__14 _1121\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>A<span class=\"__14 _1237\"> </span><span class=\"ls14_11 ws3a_5\">14 014<span class=\"__14 _1145\"> </span></span>6<span class=\"__14 _1145\"> </span>0<span class=\"__14 _6c_6\"> </span>14 020<span class=\"__14 _1145\"> </span>6<span class=\"__14 _1ce\"> </span>B<span class=\"__14 _17a\"> </span>2 970<span class=\"__14 _1221\"> </span>29<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1090\"> </span>2 999<span class=\"__14 _1145\"> </span>6<span class=\"__14 _1ce\"> </span>C<span class=\"__14 _18e\"> </span>1 302<span class=\"__14 _15b_1\"> </span>316<span class=\"__14 _1145\"> </span>0<span class=\"__14 _16f\"> </span>1 618<span class=\"__14 _1211\"> </span>10<span class=\"__14 _1ce\"> </span>D<span class=\"__14 _18f\"> </span>644<span class=\"__14 _15b_1\"> </span>431<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1226\"> </span>1 075<span class=\"__14 _1243\"> </span>13<span class=\"__14 _1ce\"> </span>E<span class=\"__14 _1247\"> </span>37<span class=\"__14 _1081\"> </span>127<span class=\"__14 _18b\"> </span>1<span class=\"__14 _15b_1\"> </span>165<span class=\"__14 _1243\"> </span>12<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _1247\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1243\"> </span></span>71<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1140\"> </span>95<span class=\"__14 _1145\"> </span>8<span class=\"__14 _1ce\"> </span>Standardmetoden/Utan r<span class=\"__14 _1058\"/>ating<span class=\"__14 _1107\"> </span>355<span class=\"__14 _1221\"> </span>63<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1227\"> </span>418<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1ce\"> </span>0 (fallerade<span class=\"__14 _b_13\"/>)<span class=\"__14 _18c\"> </span>0<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1140\"> </span>50<span class=\"__14 _1140\"> </span>50<span class=\"__14 _15a_1\"> </span>15<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1248\"> </span>19 346<span class=\"__14 _1200\"> </span>1 043<span class=\"__14 _15a_1\"> </span><span class=\"ls14_11 ws3a_5\">51<span class=\"__14 _1079\"> </span></span>20 440<span class=\"__14 _1140\"> </span>70<span class=\"__14 _1ce\"> </span>Mn euro  Scoring klass<span class=\"__14 _1ce\"> </span>Nominella belopp 31 dec 2021<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _1106\"> </span>Kategori 2<span class=\"__14 _1106\"> </span>Kategori 3<span class=\"__14 _1079\"> </span>Summa<span class=\"__14 _1121\"> </span>A<span class=\"__14 _b_13\"/>vs\u00e4ttningar<span class=\"__14 _1ce\"> </span>A<span class=\"__14 _1237\"> </span>13 355<span class=\"__14 _1145\"> </span>4<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1105\"> </span>13 359<span class=\"__14 _1145\"> </span>4<span class=\"__14 _1ce\"> </span>B<span class=\"__14 _17b\"> </span>4 718<span class=\"__14 _1145\"> </span>5<span class=\"__14 _1145\"> </span>0<span class=\"__14 _16a\"> </span>4 7<span class=\"__14 _1072\"/>23<span class=\"__14 _1145\"> </span>6<span class=\"__14 _1ce\"> </span>C<span class=\"__14 _1242\"> </span>1 778<span class=\"__14 _1227\"> </span>419<span class=\"__14 _1145\"> </span>0<span class=\"__14 _16f\"> </span>2 197<span class=\"__14 _1243\"> </span>15<span class=\"__14 _1ce\"> </span>D<span class=\"__14 _1249\"> </span>796<span class=\"__14 _1227\"> </span>470<span class=\"__14 _1215\"> </span>1<span class=\"__14 _16d\"> </span>1 268<span class=\"__14 _1243\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1ce\"> </span></span>E<span class=\"__14 _1247\"> </span>61<span class=\"__14 _1082\"> </span><span class=\"ls14_11 ws3a_5\">145<span class=\"__14 _1145\"> </span></span>0<span class=\"__14 _7a_6\"> </span>206<span class=\"__14 _1243\"> </span>15<span class=\"__14 _1ce\"> </span>F<span class=\"__14 _1247\"> </span>26<span class=\"__14 _1250\"> </span>80<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1227\"> </span>106<span class=\"__14 _1083\"> </span>11<span class=\"__14 _1ce\"> </span>0 (fallerade<span class=\"__14 _b_13\"/>)<span class=\"__14 _18c\"> </span>0<span class=\"__14 _1145\"> </span>0<span class=\"__14 _1221\"> </span>67<span class=\"__14 _1221\"> </span>67<span class=\"__14 _1221\"> </span>20<span class=\"__14 _1ce\"> </span>Summa<span class=\"__14 _1198\"> </span>20 7<span class=\"__14 _1072\"/>34<span class=\"__14 _1087\"> </span>1 123<span class=\"__14 _1140\"> </span>68<span class=\"__14 _6c_6\"> </span>21 92<span class=\"__14 _1072\"/>5<span class=\"__14 _1250\"> </span>88<span class=\"__14 _1ce\"> </span>2.<span class=\"__14 _b_13\"/>15 Os\u00e4kra l\u00e5nef<span class=\"__14 _b_13\"/>ordringar (kategori 3)<span class=\"__14 _1ce\"> </span> Koncernens os\u00e4kr<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">a l\u00e5nefordringar till upplupet anskaff</span><span class=\"__14 _b_13\"/>nings-<span class=\"__14 _1ce\"> </span>v\u00e4rde, brutto<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">, minskade till 2 2</span><span class=\"__14 _1072\"/><span class=\"__14 _1ce\">55 mn euro (3 512 mn euro</span><span class=\"__14 _b_13\"/>), vil-<span class=\"__14 _1ce\"> </span>ket motsv<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">arar 81 punk</span><span class=\"__14 _1058\"/>ter a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">v den samlade utl\u00e5ningen. 49 pro-<span class=\"__14 _1ce\"> </span></span>cent a<span class=\"__14 _b_13\"/>v de os\u00e4kra for<span class=\"__14 _1058\"/>dringarna, brutto, utgjor<span class=\"__14 _b_13\"/>des av l\u00e5n d\u00e4r<span class=\"__14 _1ce\"> </span> kunderna f<span class=\"__14 _b_13\"/>or<span class=\"__14 _1072\"/>tfarande betalade (r<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">eglerade) och 51 procen</span><span class=\"__14 _b_13\"/>t var<span class=\"__14 _1ce\"> </span> l\u00e5n d\u00e4r kunderna ej betalade (or<span class=\"__14 _b_13\"/>eglerade). Os\u00e4kra f<span class=\"__14 _1058\"/>ordringar<span class=\"__14 _1ce\"> </span> netto, efter r<span class=\"__14 _b_13\"/>eser<span class=\"__14 _1072\"/>veringar f\u00f6r f<span class=\"__14 _b_13\"/>ordringar i kategori 3, uppgick till<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">1 210 mn euro, vilket mo</span><span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">tsvarar 43 punkter a</span><span class=\"__14 _b_13\"/>v den samlade<span class=\"__14 _1ce\"> </span> utl\u00e5ningen. Reserverna f<span class=\"__14 _b_13\"/>\u00f6r fordringar i kategori 3 uppgick till<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">1 045 mn euro. R</span><span class=\"__14 _1058\"/>eserverna f\u00f6r f<span class=\"__14 _b_13\"/>ordringar i kategori 1 och 2 upp-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">gick till 628 mn euro. Den samlade re</span><span class=\"__14 _1058\"/>serveringskvoten v<span class=\"__14 _b_13\"/>ar<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">46 procen</span><span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>, och f\u00f6r for<span class=\"__14 _b_13\"/>dringar i kategori 1 och 2 var reserve<span class=\"__14 _1ce\"> </span>-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">ringsgraden 23 punkt</span><span class=\"__14 _b_13\"/>er. Minskningen a<span class=\"__14 _b_13\"/>v os\u00e4kra fordringar<span class=\"__14 _1ce\"> </span> avs\u00e5g huvudsakligen Na<span class=\"__14 _b_13\"/>turresurser och Sj\u00f6fart, efter bety<span class=\"__14 _1ce\"> </span>-<span class=\"__14 _1ce\"> </span>dande utfasning under \u00e5ret. De portf\u00f6ljer som sv<span class=\"__14 _b_13\"/>arade f\u00f6r<span class=\"__14 _1ce\"> </span> st\u00f6rst andel a<span class=\"__14 _b_13\"/>v de os\u00e4kra fordringarna v<span class=\"__14 _b_13\"/>ar Privatkunder<span class=\"__14 _b_13\"/>, Indu-<span class=\"__14 _1ce\"> </span>stri samt K<span class=\"__14 _b_13\"/>onsument s\u00e4llank\u00f6p och tj\u00e4nster<span class=\"__14 _1c_10\"/>.<span class=\"__14 _1ce\"> </span>Os\u00e4kra f<span class=\"__14 _b_13\"/>ordringar och nyckelt<span class=\"__14 _1058\"/>al<span class=\"__14 _1ce\"> </span>2022<span class=\"__14 _3f_8\"> </span>2021<span class=\"__14 _1ce\"> </span>Os\u00e4kra for<span class=\"__14 _b_13\"/>dringar, brutto<span class=\"__14 _1058\"/>, upplupet<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">anskaffningsv\u00e4r</span><span class=\"__14 _b_13\"/>de, mn euro<span class=\"__14 _1216\"> </span>2 255<span class=\"__14 _1123\"> </span>3 512<span class=\"__14 _1ce\"> </span>- vara<span class=\"__14 _b_13\"/>v reglerade<span class=\"__14 _d5_6\"> </span>1 111<span class=\"__14 _1123\"> </span>1 641<span class=\"__14 _1ce\"> </span>- vara<span class=\"__14 _b_13\"/>v oreglerade<span class=\"__14 _f1_6\"> </span>1 144<span class=\"__14 _1123\"> </span>1 871<span class=\"__14 _1ce\"> </span>Andel os\u00e4kra l\u00e5nef<span class=\"__14 _1058\"/>ordringar (kategori 3), brutt<span class=\"__14 _1058\"/>o,<span class=\"__14 _1ce\"> </span> punkter<span class=\"__14 _1251\"> </span>81<span class=\"__14 _1098\"> </span>128<span class=\"__14 _1ce\"> </span>Andel os\u00e4kra l\u00e5nef<span class=\"__14 _1058\"/>ordringar (kategori 3), nett<span class=\"__14 _1058\"/>o,<span class=\"__14 _1ce\"> </span> punkter<span class=\"__14 _1235\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _5f_6\"> </span></span>70<span class=\"__14 _1ce\"> </span>Gruppvisa reserveringar i rela<span class=\"__14 _b_13\"/>tion till utl\u00e5ning  i kategori 1 och 2, punk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1252\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _5f_6\"> </span></span>22<span class=\"__14 _1ce\"> </span>T<span class=\"__14 _1c_10\"/>otal reserveringsgrad (ka<span class=\"__14 _b_13\"/>tegori 1, 2 och 3),<span class=\"__14 _1ce\"> </span> punkter<span class=\"__14 _1112\"> </span>60<span class=\"__14 _1120\"> </span>81<span class=\"__14 _1ce\"> </span>Reserver i rela<span class=\"__14 _b_13\"/>tion till os\u00e4kra l\u00e5nefordringar<span class=\"__14 _1ce\"> </span> (kategori 3), %<span class=\"__14 _e8_7\"> </span>46<span class=\"__14 _1121\"> </span>46<span class=\"__14 _1ce\"> </span>2.<span class=\"__14 _b_13\"/>16 F\u00f6rf<span class=\"__14 _b_13\"/>allna l\u00e5nefordringar<span class=\"__14 _1ce\"> </span> F\u00f6rf<span class=\"__14 _b_13\"/>allna l\u00e5nefordringar (6 dagar eller mer) bland f\u00f6r<span class=\"__14 _b_13\"/>e-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">tagskunder uppgick till 814 mn eur</span><span class=\"__14 _b_13\"/>o, ner fr\u00e5n 864 mn euro f\u00f6r<span class=\"__14 _1ce\"> </span> ett \u00e5r sedan, och f\u00f6rf<span class=\"__14 _b_13\"/>allna l\u00e5nefordringar bland priva<span class=\"__14 _1058\"/>tkunder<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">uppgick till 1 569 mn euro vid \u00e5rets slut, upp fr\u00e5n 1 440 mn<span class=\"__14 _1ce\"> </span></span> euro f<span class=\"__14 _1058\"/>\u00f6r ett \u00e5r sedan. <span class=\"__14 _b_13\"/>T<span class=\"__14 _b_13\"/>abellen visar f\u00f6rf<span class=\"__14 _1058\"/>allna l\u00e5nefor<span class=\"__14 _b_13\"/>dringar<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">(6 dagar eller mer), uppdelade p\u00e5 f\u00f6r</span><span class=\"__14 _1058\"/>etags- och privatk<span class=\"__14 _b_13\"/>under.<span class=\"__14 _1ce\"> </span> En f\u00f6rf<span class=\"__14 _1058\"/>allen l\u00e5nefor<span class=\"__14 _b_13\"/>dran uppst\u00e5r n\u00e4r borgen\u00e4ren in<span class=\"__14 _b_13\"/>te erh\u00e5ller<span class=\"__14 _1ce\"> </span> \u00e5terbetalning p\u00e5 ett l\u00e5n p\u00e5 f<span class=\"__14 _b_13\"/>\u00f6rfallodagen.<span class=\"__14 _1ce\"> </span>31 dec 2022<span class=\"__14 _1153\"> </span>31 dec 2021<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1ce\"> </span>F\u00f6retags-<span class=\"__14 _1ce\"> </span> kunder<span class=\"__14 _1ce\"> </span>Privat-<span class=\"__14 _1ce\"> </span> kunder<span class=\"__14 _1ce\"> </span>F\u00f6retags-<span class=\"__14 _1ce\"> </span> kunder<span class=\"__14 _1ce\"> </span>Privat-<span class=\"__14 _1ce\"> </span> kunder<span class=\"__14 _1ce\"> </span>6\u201330 dagar<span class=\"__14 _1253\"> </span>418<span class=\"__14 _1118\"> </span>718<span class=\"__14 _8c_6\"> </span>4<span class=\"__14 _1072\"/>28<span class=\"__14 _1121\"> </span>595<span class=\"__14 _1ce\"> </span>31\u201360 dagar<span class=\"__14 _1217\"> </span>123<span class=\"__14 _8c_6\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1072\"/>9<span class=\"__14 _1130\"> </span></span>87<span class=\"__14 _1118\"> </span>199<span class=\"__14 _1ce\"> </span>61\u201390 dagar<span class=\"__14 _1186\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1130\"> </span><span class=\"ls18_10 ws3e_5\">97<span class=\"__14 _1130\"> </span></span></span>32<span class=\"__14 _fc_7\"> </span>75<span class=\"__14 _1ce\"> </span>&gt;90 dagar<span class=\"__14 _11f_7\"> </span>2<span class=\"__14 _1072\"/>50<span class=\"__14 _1121\"> </span>505<span class=\"__14 _5f_6\"> </span><span class=\"ls14_11 ws3a_5\">317<span class=\"__14 _1120\"> </span>57<span class=\"__14 _1072\"/>1<span class=\"__14 _1ce\"> </span></span>Summa<span class=\"__14 _1166\"> </span><span class=\"ls14_11 ws3a_5\">814<span class=\"__14 _1223\"> </span></span>1 569<span class=\"__14 _1115\"> </span>86<span class=\"__14 _1072\"/>4<span class=\"__14 _3d_8\"> </span>1 440<span class=\"__14 _1ce\"> </span>F\u00f6rfallna l\u00e5n (inkl. os\u00e4kra<span class=\"__14 _1ce\"> </span> l\u00e5n) dividerat med<span class=\"__14 _1ce\"> </span> utl\u00e5ning till allm\u00e4nheten<span class=\"__14 _1ce\"> </span> efter reserver<span class=\"__14 _b_13\"/>, %<span class=\"__14 _1083\"> </span>0,5<span class=\"__14 _a6_7\"> </span>0,9<span class=\"__14 _1113\"> </span>0,5<span class=\"__14 _7b_6\"> </span>0,<span class=\"__14 _1072\"/>8<span class=\"__14 _1ce\"> </span>2.<span class=\"__14 _b_13\"/>17 Re<span class=\"__14 _1058\"/>server<span class=\"__14 _1ce\"> </span>De totala r<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">eserverna f\u00f6r 2022 uppgick till 1 860 mn eur</span><span class=\"__14 _b_13\"/>o, ner<span class=\"__14 _1ce\"> </span> fr\u00e5n 2 404 mn eur<span class=\"__14 _1058\"/>o in 2021. Reserverna f<span class=\"__14 _b_13\"/>\u00f6r exponeringar 202<span class=\"__14 _1ce\"> </span>2 <span class=\"__14 _1ce\">var 1 673 mn euro, ner fr</span><span class=\"__14 _b_13\"/>\u00e5n 2 206 mn euro 2021. Detta<span class=\"__14 _1ce\"> </span> berodde p\u00e5 uppl\u00f6sningar a<span class=\"__14 _b_13\"/>v reserver i kategori 3 a<span class=\"__14 _1058\"/>vseende<span class=\"__14 _1ce\"> </span> branscherna Naturr<span class=\"__14 _b_13\"/>esur<span class=\"__14 _1072\"/>ser och Sj\u00f6f<span class=\"__14 _1058\"/>art<span class=\"__14 _1072\"/>. A<span class=\"__14 _b_13\"/>v de totala r<span class=\"__14 _b_13\"/>eser-<span class=\"__14 _1ce\"> </span>verna a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">vs\u00e5g 220 mn euro kategori 1 (upp fr\u00e5n 19</span><span class=\"__14 _1058\"/>7 mn euro f<span class=\"__14 _1058\"/>\u00f6<span class=\"__14 _1ce\"> </span>r <span class=\"__14 _1ce\">ett \u00e5r sedan), 408 mn euro kat</span><span class=\"__14 _b_13\"/>egori 2 (upp fr\u00e5n 399 mn euro<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">f\u00f6r ett \u00e5r sedan) och 1 045 mn eur</span><span class=\"__14 _b_13\"/>o kategori 3 (ner fr\u00e5n<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">1 610 mn euro f</span><span class=\"__14 _1058\"/>\u00f6r ett \u00e5r sedan). Reserveringsgr<span class=\"__14 _b_13\"/>aden var of\u00f6r-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">\u00e4ndrad p\u00e5 0,08 procen</span><span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">t f\u00f6r kategori 1, 3,2 proc</span><span class=\"__14 _b_13\"/>ent f\u00f6r kat<span class=\"__14 _1058\"/>egori<span class=\"__14 _1ce\"> </span> 2 (upp fr\u00e5n 3,<span class=\"__14 _1c_10\"/><span class=\"__14 _1ce\">1 procent 2021) och 46 pr</span><span class=\"__14 _1058\"/>ocent f<span class=\"__14 _b_13\"/>\u00f6r kategori 3.<span class=\"__14 _1ce\"> </span> Reserveringsgr<span class=\"__14 _1058\"/>aden f\u00f6r ka<span class=\"__14 _b_13\"/>tegori 3 var i stort sett of<span class=\"__14 _1058\"/>\u00f6r\u00e4ndrad<span class=\"__14 _1ce\"> </span> sedan de os\u00e4kra l\u00e5nef<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ordringarna minskat med 1 257 mn eur<span class=\"__14 _1ce\"> </span></span>o <span class=\"__14 _1ce\">(36 procen</span><span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">t), medan reserverna minskade med 35 procent.<span class=\"__14 _1ce\"> </span></span> Reserveringsgr<span class=\"__14 _1058\"/>aden f\u00f6r f<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">\u00f6retagsl\u00e5n i kategori 3 \u00f6kade f</span><span class=\"__14 _1058\"/>r\u00e5n<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">50 procen</span><span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">t till 55 procent, medan den f\u00f6r priva</span><span class=\"__14 _1058\"/>tkunder mins-<span class=\"__14 _1ce\"> </span>kade fr\u00e5n 36 pr<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ocent till 33 procen</span><span class=\"__14 _1058\"/>t.<span class=\"__14 _1ce\"> </span>2.<span class=\"__14 _b_13\"/>18 Kreditf<span class=\"__14 _b_13\"/>\u00f6rluster<span class=\"__14 _1ce\"> </span> Kreditf<span class=\"__14 _1058\"/>\u00f6rlusterna f<span class=\"__14 _b_13\"/>\u00f6r 2022 var l\u00e5ga och uppgick till 112 mn<span class=\"__14 _1ce\"> </span> euro (118 mn euro<span class=\"__14 _1058\"/>). Det motsvar<span class=\"__14 _b_13\"/>ar en kreditf\u00f6rlustrela<span class=\"__14 _b_13\"/>tion p\u00e5<span class=\"__14 _1ce\"> </span> 4 punkter (<span class=\"__14 _b_13\"/>4 punkter) f<span class=\"__14 _b_13\"/>\u00f6r l\u00e5n v\u00e4rderade till upplupet anska<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ff-<span class=\"__14 _1ce\"> </span></span>ningsv\u00e4rde. Inklusiv<span class=\"__14 _b_13\"/>e omv\u00e4rderingsf\u00f6rl<span class=\"__14 _b_13\"/>uster p\u00e5 hypoteksl\u00e5n i<span class=\"__14 _1ce\"> </span> Danmark om 13 mn euro uppgick kreditf<span class=\"__14 _b_13\"/>\u00f6rluster och liknande<span class=\"__14 _1ce\"> </span> nettoresult<span class=\"__14 _1058\"/>at till 125 mn euro, mo<span class=\"__14 _1058\"/>tsvarande 4 punk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">(1 punkt). De individuellt ber</span><span class=\"__14 _b_13\"/>\u00e4knade kreditf\u00f6rlust<span class=\"__14 _b_13\"/>erna uppgic<span class=\"__14 _1ce\"> </span>k <span class=\"__14 _1ce\">till 169 mn euro och drevs a</span><span class=\"__14 _b_13\"/>v genomsnittliga bortskrivningar<span class=\"__14 _1ce\"> </span> och l\u00e5ga avs\u00e4<span class=\"__14 _b_13\"/>ttningar och \u00e5terf\u00f6ringar<span class=\"__14 _b_13\"/>. De individuella avs\u00e4<span class=\"__14 _1058\"/>tt<span class=\"__14 _1ce\"> </span>-<span class=\"__14 _1ce\"> </span>ningarna var in<span class=\"__14 _1058\"/>te koncen<span class=\"__14 _b_13\"/>trerade till n\u00e5gon speci\ufb01k bransch.<span class=\"__14 _1ce\"> </span>Reserveringarna enligt ledningens bed\u00f6mning minskade<span class=\"__14 _1ce\"> </span> med 25 mn euro under \u00e5ret, fr\u00e5n 610 mn euro till 585 mn<span class=\"__14 _1ce\"> </span> euro. De cykliska r<span class=\"__14 _1058\"/>eserveringarna enligt ledningens bed\u00f6m-<span class=\"__14 _1ce\"> </span>ning uppgick till 430 mn euro vid \u00e5rets slut, ner fr\u00e5n 455 mn<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">euro. Under fj\u00e4rde kv</span><span class=\"__14 _b_13\"/>ar<span class=\"__14 _1072\"/>talet 2022 gjordes en ny ber<span class=\"__14 _b_13\"/>\u00e4kning av<span class=\"__14 _1ce\"> </span> de cykliska reserveringarna enligt ledningens bed\u00f6mning<span class=\"__14 _1ce\"> </span> mot bakgrund a<span class=\"__14 _b_13\"/>v de extraordin\u00e4r<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">a effekterna a</span><span class=\"__14 _b_13\"/>v h\u00f6gre<span class=\"__14 _1ce\"> </span> energi- och levnadskos<span class=\"__14 _b_13\"/>tnader, sam<span class=\"__14 _b_13\"/>tidigt som mindre h\u00e4nsyn<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">togs till eff</span><span class=\"__14 _1058\"/>ekter orsakade a<span class=\"__14 _b_13\"/>v pandemin. Reserveringarnas till-<span class=\"__14 _1ce\"> </span>r\u00e4cklighet analys<span class=\"__14 _1058\"/>erades utifr<span class=\"__14 _b_13\"/>\u00e5n hur h\u00f6gre kostnader och l\u00e4gre<span class=\"__14 _1ce\"> </span> konsumtion sk<span class=\"__14 _b_13\"/>ulle kunna sl\u00e5 mot olika sekt<span class=\"__14 _1058\"/>orer i n\u00e4ringslivet.<span class=\"__14 _1ce\"> </span> De struk<span class=\"__14 _1058\"/>turella reserveringarna enligt ledningens bed\u00f6mning<span class=\"__14 _1ce\"> </span> l\u00e4mnades of<span class=\"__14 _1058\"/>\u00f6r\u00e4ndrade p\u00e5 155 mn eur<span class=\"__14 _b_13\"/>o och avser planerade<span class=\"__14 _1ce\"> </span> f\u00f6rb\u00e4<span class=\"__14 _b_13\"/>ttringar av modeller och processer f<span class=\"__14 _b_13\"/>\u00f6r avs\u00e4ttningar<span class=\"__14 _1c_10\"/>.<span class=\"__14 _1ce\"> </span>Kreditf<span class=\"__14 _1058\"/>\u00f6rluster och n<span class=\"__14 _1058\"/>yckel<span class=\"__14 _b_13\"/>tal<span class=\"__14 _1ce\"> </span>2022<span class=\"__14 _1124\"> </span>2021<span class=\"__14 _1ce\"> </span>Kreditf\u00f6rl<span class=\"__14 _1058\"/>uster<span class=\"__14 _b_13\"/>, mn euro<span class=\"__14 _3e_8\"> </span>112<span class=\"__14 _1a9\"> </span>118<span class=\"__14 _1ce\"> </span>Kreditf\u00f6rl<span class=\"__14 _1058\"/>ustrelation nett<span class=\"__14 _1058\"/>o, upplupet  <span class=\"__14 _1ce\">anskaffningsv\u00e4r</span><span class=\"__14 _b_13\"/>de, koncernen, punkter<span class=\"__14 _15d_1\"> </span>4<span class=\"__14 _1096\"> </span>4<span class=\"__14 _1ce\"> </span>- vara<span class=\"__14 _b_13\"/>v kategori 3<span class=\"__14 _df_6\"> </span>3<span class=\"__14 _1117\"> </span>12<span class=\"__14 _1ce\"> </span>- vara<span class=\"__14 _b_13\"/>v kategori 1 och 2<span class=\"__14 _1126\"> </span>1<span class=\"__14 _1223\"> </span>-8<span class=\"__14 _1ce\"> </span>Kreditf\u00f6rl<span class=\"__14 _1058\"/>ustrelation nett<span class=\"__14 _1058\"/>o, inklusive h<span class=\"__14 _1058\"/>ypoteksl\u00e5n  till verkligt v\u00e4rde, k<span class=\"__14 _1058\"/>oncernen, punkt<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">er1</span><span class=\"__14 _1172\"> </span>4<span class=\"__14 _8f_6\"> </span>1<span class=\"__14 _1ce\"> </span>Kreditf\u00f6rl<span class=\"__14 _1058\"/>ustrelation nett<span class=\"__14 _1058\"/>o, inklusive h<span class=\"__14 _1058\"/>ypoteksl\u00e5n  till verkligt v\u00e4rde, P<span class=\"__14 _b_13\"/>ersonal Banking, punkter<span class=\"__14 _1088\"> </span>3<span class=\"__14 _1115\"> </span>1<span class=\"__14 _1ce\"> </span>Kreditf\u00f6rl<span class=\"__14 _1058\"/>ustrelation nett<span class=\"__14 _1058\"/>o, inklusive h<span class=\"__14 _1058\"/>ypoteksl\u00e5n  till verkligt v\u00e4rde, Business Banking, punk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1088\"> </span>5<span class=\"__14 _1096\"> </span>0<span class=\"__14 _1ce\"> </span>Kreditf\u00f6rl<span class=\"__14 _1058\"/>ustrelation nett<span class=\"__14 _1058\"/>o, inklusive h<span class=\"__14 _1058\"/>ypoteksl\u00e5n till<span class=\"__14 _1ce\"> </span> verkligt v\u00e4rde, L<span class=\"__14 _1058\"/>arge Corpora<span class=\"__14 _1058\"/>tes &amp; Institutions, punk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _3b_8\"> </span>-9<span class=\"__14 _1149\"> </span>2<span class=\"__14 _1ce\"> </span>1)  Kreditf\u00f6rlust<span class=\"__14 _1058\"/>er och nettoresulta<span class=\"__14 _1058\"/>t av utl\u00e5ning i portf\u00f6ljer som h\u00e5lls till f<span class=\"__14 _b_13\"/>\u00f6rfall och obl-<span class=\"__14 _1ce\"> </span>ligatoriskt v<span class=\"__14 _b_13\"/>\u00e4rderas till verkligt v\u00e4rde dividerat med to<span class=\"__14 _b_13\"/>tal utl\u00e5ning v\u00e4rderad till upp-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">lupet anskaffningsv\u00e4r</span><span class=\"__14 _b_13\"/>de och verkligt v\u00e4rde, punkter<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>Redovisa<span class=\"__14 _b_13\"/>t v\u00e4rde f\u00f6r l\u00e5n v\u00e4r<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">derade till upplupet anskaffningsv</span><span class=\"__14 _1058\"/>\u00e4rde, f<span class=\"__14 _1058\"/>\u00f6re reserver<span class=\"__14 _1ce\"> </span>Centralbanker och kr<span class=\"__14 _b_13\"/>editinstitut<span class=\"__14 _15d_1\"> </span>Allm\u00e4nheten<span class=\"__14 _f9_6\"> </span>Summa<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _1073\"> </span>Kategori 2<span class=\"__14 _1f_10\"> </span>Kat<span class=\"__14 _b_13\"/>egori 3<span class=\"__14 _1157\"> </span>Summa<span class=\"__14 _1a0\"> </span>Kategori 1<span class=\"__14 _f_13\"> </span>Kategori 2<span class=\"__14 _1f_10\"> </span>Kat<span class=\"__14 _1058\"/>egori 3<span class=\"__14 _5d_6\"> </span>Summa<span class=\"__14 _1a1\"> </span>Kategori 1<span class=\"__14 _f_13\"> </span>Kategori 2<span class=\"__14 _1f_10\"> </span>Kat<span class=\"__14 _1058\"/>egori 3<span class=\"__14 _5d_6\"> </span>Summa<span class=\"__14 _1ce\"> </span>Ing\u00e5ende balans  per 1 jan 2022<span class=\"__14 _a4_6\"> </span>1 785<span class=\"__14 _7b_6\"> </span><span class=\"ls13_11 ws39_5\">14<span class=\"__14 _a1_6\"> </span></span>0<span class=\"__14 _3d_8\"> </span>1 7<span class=\"__14 _1072\"/>99<span class=\"__14 _1a2\"> </span>255 832<span class=\"__14 _6f_6\"> </span>12 7<span class=\"__14 _1072\"/>33<span class=\"__14 _1135\"> </span>3 5<span class=\"__14 _1058\"/>12<span class=\"__14 _5d_6\"> </span>27<span class=\"__14 _1072\"/>2 077<span class=\"__14 _3d_8\"> </span><span class=\"ls13_11 ws39_5\">2<span class=\"__14 _1072\"/>57 617<span class=\"__14 _5d_6\"> </span></span>12 747<span class=\"__14 _1127\"> </span>3 512<span class=\"__14 _5d_6\"> </span>273 876<span class=\"__14 _1ce\"> </span>Nya eller f\u00f6rv\u00e4rvade<span class=\"__14 _1ce\"> </span> l\u00e5nefordringar<span class=\"__14 _1156\"> </span>3 442<span class=\"__14 _1136\"> </span>1<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1135\"> </span>3 443<span class=\"__14 _3d_8\"> </span>87 051<span class=\"__14 _1115\"> </span>536<span class=\"__14 _5f_6\"> </span>81<span class=\"__14 _1223\"> </span>87 668<span class=\"__14 _3f_8\"> </span>90 493<span class=\"__14 _1154\"> </span>537<span class=\"__14 _5f_6\"> </span>81<span class=\"__14 _1096\"> </span>91 111<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar mellan<span class=\"__14 _1ce\"> </span> kategori 1 och 2,<span class=\"__14 _1ce\"> </span> netto<span class=\"__14 _1207\"> </span>5<span class=\"__14 _6a_6\"> </span>-5<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _1154\"> </span>-950<span class=\"__14 _8f_6\"> </span>950<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _a6_7\"> </span>-945<span class=\"__14 _8f_6\"> </span>945<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar mellan<span class=\"__14 _1ce\"> </span> kategori 2 och 3,<span class=\"__14 _1ce\"> </span> netto<span class=\"__14 _1085\"> </span>\u2013<span class=\"__14 _fc_7\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _1106\"> </span>\u2013<span class=\"__14 _1096\"> </span><span class=\"ls13_11 ws39_5\">-147<span class=\"__14 _1149\"> </span>147<span class=\"__14 _1156\"> </span></span>\u2013<span class=\"__14 _1102\"> </span>\u2013<span class=\"__14 _1096\"> </span><span class=\"ls13_11 ws39_5\">-147<span class=\"__14 _1149\"> </span>14<span class=\"__14 _1072\"/>7<span class=\"__14 _1156\"> </span></span>\u2013<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar mellan<span class=\"__14 _1ce\"> </span> kategori 1 och 3,<span class=\"__14 _1ce\"> </span> netto<span class=\"__14 _1a3\"> </span><span class=\"ls13_11 ws39_5\">-18<span class=\"__14 _1130\"> </span></span>\u2013<span class=\"__14 _1120\"> </span>18<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _8c_6\"> </span><span class=\"ls26_6 ws4c_3\">-23<span class=\"__14 _1072\"/>8<span class=\"__14 _1129\"> </span></span>\u2013<span class=\"__14 _1098\"> </span>238<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _a5_7\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _1072\"/>56<span class=\"__14 _1129\"> </span></span>\u2013<span class=\"__14 _1098\"> </span>2<span class=\"__14 _1072\"/>56<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _1ce\"> </span>\u00c5terbetalda eller<span class=\"__14 _1ce\"> </span> borttagna l\u00e5ne-<span class=\"__14 _1ce\"> </span>fordringar<span class=\"__14 _1092\"> </span>-3 562<span class=\"__14 _1113\"> </span><span class=\"ls28_6 ws4f_3\">-4<span class=\"__14 _a1_6\"> </span></span>0<span class=\"__14 _6f_6\"> </span>-3 566<span class=\"__14 _5d_6\"> </span>-58 471<span class=\"__14 _1a4\"> </span>-2 235<span class=\"__14 _3f_8\"> </span>-612<span class=\"__14 _1135\"> </span>-61 318<span class=\"__14 _3d_8\"> </span>-62 033<span class=\"__14 _5d_6\"> </span>-2 239<span class=\"__14 _3f_8\"> </span>-612<span class=\"__14 _5d_6\"> </span>-64 884<span class=\"__14 _1ce\"> </span>Bortskrivna<span class=\"__14 _1ce\"> </span> l\u00e5nefordringar<span class=\"__14 _16a\"> </span>\u2013<span class=\"__14 _1130\"> </span>\u2013<span class=\"__14 _7b_6\"> </span>-5<span class=\"__14 _7c_6\"> </span>-5<span class=\"__14 _da_6\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _3f_8\"> </span>-701<span class=\"__14 _7b_6\"> </span>-701<span class=\"__14 _1102\"> </span>\u2013<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _8b_6\"> </span>-706<span class=\"__14 _1118\"> </span>-706<span class=\"__14 _1ce\"> </span>\u00d6vriga f\u00f6r\u00e4ndringar<span class=\"__14 _1ce\"> </span>1<span class=\"__14 _1ce\"> </span>579<span class=\"__14 _1136\"> </span><span class=\"ls0_14 ws0_14\">1<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _8f_6\"> </span>580<span class=\"__14 _1a4\"> </span>-13 812<span class=\"__14 _a0_6\"> </span>1 199<span class=\"__14 _a0_6\"> </span>-383<span class=\"__14 _1127\"> </span>-12 996<span class=\"__14 _8b_6\"> </span>-13 233<span class=\"__14 _1223\"> </span>1 200<span class=\"__14 _a0_6\"> </span>-383<span class=\"__14 _3d_8\"> </span>-12 416<span class=\"__14 _1ce\"> </span></span>V<span class=\"__14 _b_13\"/>alutakurs-<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">differenser</span><span class=\"__14 _1142\"> </span><span class=\"ls13_11 ws39_5\">614<span class=\"__14 _1104\"> </span></span>0<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _1154\"> </span><span class=\"ls13_11 ws39_5\">6<span class=\"__14 _1072\"/>14<span class=\"__14 _8b_6\"> </span></span>-7 672<span class=\"__14 _1119\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _1072\"/>57<span class=\"__14 _1149\"> </span></span>-40<span class=\"__14 _5a_6\"> </span>-<span class=\"__14 _1058\"/>7 969<span class=\"__14 _1098\"> </span>-7 058<span class=\"__14 _1119\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _1072\"/>57<span class=\"__14 _1149\"> </span></span>-40<span class=\"__14 _3b_8\"> </span>-7 355<span class=\"__14 _1ce\"> </span>Utg\u00e5ende balans  per 31 dec 2022<span class=\"__14 _1136\"> </span>2 845<span class=\"__14 _1104\"> </span>7<span class=\"__14 _1120\"> </span>13<span class=\"__14 _1135\"> </span>2 865<span class=\"__14 _1a5\"> </span>261 7<span class=\"__14 _b_13\"/>40<span class=\"__14 _6f_6\"> </span>12 77<span class=\"__14 _1072\"/>9<span class=\"__14 _1a4\"> </span><span class=\"ls26_6 ws4c_3\">2<span class=\"__14 _1072\"/> 242<span class=\"__14 _1123\"> </span></span>276 761<span class=\"__14 _1074\"> </span>264 585<span class=\"__14 _6f_6\"> </span>12 786<span class=\"__14 _1a4\"> </span>2 255<span class=\"__14 _6f_6\"> </span>279 626<span class=\"__14 _1ce\"> </span>1)  \u00d6vriga f\u00f6r\u00e4ndringar a<span class=\"__14 _b_13\"/>vser fr\u00e4mst f\u00f6r\u00e4ndr<span class=\"__14 _1058\"/>at utnyttjande a<span class=\"__14 _1058\"/>v kreditramar som beviljats tidigar<span class=\"__14 _b_13\"/>e \u00e5r.<span class=\"__14 _1ce\"> </span>Centralbanker och kr<span class=\"__14 _b_13\"/>editinstitut<span class=\"__14 _1a6\"> </span>Allm\u00e4nheten<span class=\"__14 _f9_6\"> </span>Summa<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _f_13\"> </span>Kategori 2<span class=\"__14 _1f_10\"> </span>Kat<span class=\"__14 _1058\"/>egori 3<span class=\"__14 _1157\"> </span>Summa<span class=\"__14 _17f\"> </span>Kategori 1<span class=\"__14 _f_13\"> </span>Kategori 2<span class=\"__14 _1f_10\"> </span>Kategori 3<span class=\"__14 _6f_6\"> </span>Summa<span class=\"__14 _1a1\"> </span>Kategori 1<span class=\"__14 _f_13\"> </span>Kategori 2<span class=\"__14 _1f_10\"> </span>Kategori 3<span class=\"__14 _5d_6\"> </span>Summa<span class=\"__14 _1ce\"> </span>Ing\u00e5ende balans  per 1 jan 2021<span class=\"__14 _1111\"> </span>4 351<span class=\"__14 _7b_6\"> </span>58<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _1123\"> </span>4 409 <span class=\"__14 _1a7\"> </span>241 672<span class=\"__14 _6f_6\"> </span>13 782 <span class=\"__14 _1a5\"> </span>3 979 <span class=\"__14 _1a8\"> </span>259 433<span class=\"__14 _1123\"> </span>246 023<span class=\"__14 _1a2\"> </span>13 840<span class=\"__14 _1a4\"> </span>3 979 <span class=\"__14 _1a7\"> </span>263 84<span class=\"__14 _1072\"/>2<span class=\"__14 _1ce\"> </span>Nya eller f\u00f6rv\u00e4rvade<span class=\"__14 _1ce\"> </span> l\u00e5nefordringar<span class=\"__14 _be_7\"> </span>377<span class=\"__14 _1129\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _8c_6\"> </span>377<span class=\"__14 _1135\"> </span>68 158<span class=\"__14 _1117\"> </span>1 326<span class=\"__14 _1118\"> </span>83<span class=\"__14 _1117\"> </span>69 567<span class=\"__14 _5a_6\"> </span>68 535<span class=\"__14 _1117\"> </span>1 326<span class=\"__14 _1118\"> </span>83<span class=\"__14 _3d_8\"> </span>69 944<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar mellan<span class=\"__14 _1ce\"> </span> kategori 1 och 2,<span class=\"__14 _1ce\"> </span> netto<span class=\"__14 _1207\"> </span>0<span class=\"__14 _1129\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _1121\"> </span>-341<span class=\"__14 _1154\"> </span>341<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _7c_6\"> </span>-341<span class=\"__14 _1154\"> </span>341<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar mellan<span class=\"__14 _1ce\"> </span> kategori 2 och 3,<span class=\"__14 _1ce\"> </span> netto<span class=\"__14 _1085\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _da_6\"> </span>\u2013 <span class=\"__14 _a0_6\"> </span>-266<span class=\"__14 _1119\"> </span>266<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _1102\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>-266<span class=\"__14 _1119\"> </span>266<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar mellan<span class=\"__14 _1ce\"> </span> kategori 1 och 3,<span class=\"__14 _1ce\"> </span> netto<span class=\"__14 _1085\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _1118\"> </span><span class=\"ls13_11 ws39_5\">-152<span class=\"__14 _1129\"> </span></span>\u2013<span class=\"__14 _1149\"> </span>152<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _7c_6\"> </span><span class=\"ls13_11 ws39_5\">-1<span class=\"__14 _1072\"/>52<span class=\"__14 _1129\"> </span></span>\u2013<span class=\"__14 _1149\"> </span>152<span class=\"__14 _1156\"> </span>\u2013<span class=\"__14 _1ce\"> </span>\u00c5terbetalda eller<span class=\"__14 _1ce\"> </span> borttagna l\u00e5ne-<span class=\"__14 _1ce\"> </span>fordringar<span class=\"__14 _16a\"> </span>-1 231<span class=\"__14 _8c_6\"> </span>-50 <span class=\"__14 _1118\"> </span><span class=\"ls26_6 ws4c_3\">-2 <span class=\"__14 _1a5\"> </span></span>-1 283 <span class=\"__14 _1a8\"> </span>-63 728<span class=\"__14 _6f_6\"> </span>-2 669<span class=\"__14 _1117\"> </span><span class=\"ls28_6 ws4f_3\">-443<span class=\"__14 _6f_6\"> </span></span>-66 840<span class=\"__14 _1135\"> </span>-64 959<span class=\"__14 _1123\"> </span>-2 719<span class=\"__14 _1117\"> </span>-445<span class=\"__14 _1127\"> </span>-68 123<span class=\"__14 _1ce\"> </span>Bortskrivna<span class=\"__14 _1ce\"> </span> l\u00e5nefordringar<span class=\"__14 _16a\"> </span>\u2013<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _1106\"> </span>\u2013 <span class=\"__14 _4c_6\"> </span>\u2013 <span class=\"__14 _1123\"> </span>-<span class=\"__14 _1072\"/>490<span class=\"__14 _1121\"> </span>-490<span class=\"__14 _1102\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _3d_8\"> </span>-<span class=\"__14 _1072\"/>490<span class=\"__14 _1121\"> </span>-490<span class=\"__14 _1ce\"> </span>\u00d6vriga f\u00f6r\u00e4ndringar<span class=\"__14 _1ce\"> </span>1<span class=\"__14 _1ce\"> </span>-1 601<span class=\"__14 _1129\"> </span>6<span class=\"__14 _1130\"> </span>2 <span class=\"__14 _1a9\"> </span>-1 593<span class=\"__14 _5a_6\"> </span>9 854<span class=\"__14 _8c_6\"> </span>165<span class=\"__14 _1149\"> </span>-85<span class=\"__14 _1096\"> </span>9 934<span class=\"__14 _1121\"> </span>8 253<span class=\"__14 _1121\"> </span><span class=\"ls13_11 ws39_5\">171<span class=\"__14 _8f_6\"> </span></span>-83<span class=\"__14 _1115\"> </span>8 341<span class=\"__14 _1ce\"> </span>V<span class=\"__14 _b_13\"/>alutakurs-<span class=\"__14 _1ce\"> </span> <span class=\"__14 _1ce\">differenser</span><span class=\"__14 _1aa\"> </span>-111 <span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _1115\"> </span>-<span class=\"__14 _b_13\"/>111<span class=\"__14 _7b_6\"> </span>369<span class=\"__14 _1113\"> </span>53<span class=\"__14 _1118\"> </span>50<span class=\"__14 _7c_6\"> </span>473<span class=\"__14 _fc_7\"> </span>2<span class=\"__14 _1072\"/>58<span class=\"__14 _a6_7\"> </span>54<span class=\"__14 _1118\"> </span>50<span class=\"__14 _7c_6\"> </span>362<span class=\"__14 _1ce\"> </span>Utg\u00e5ende balans  per 31 dec 2021<span class=\"__14 _8d_6\"> </span>1 785 <span class=\"__14 _1118\"> </span><span class=\"ls13_11 ws39_5\">14<span class=\"__14 _1072\"/> <span class=\"__14 _1113\"> </span></span>0<span class=\"__14 _3d_8\"> </span>1 799 <span class=\"__14 _1124\"> </span>2<span class=\"__14 _1072\"/>55 832<span class=\"__14 _6f_6\"> </span>12 7<span class=\"__14 _1072\"/>33<span class=\"__14 _1127\"> </span>3 512<span class=\"__14 _1074\"> </span>27<span class=\"__14 _1072\"/>2 077<span class=\"__14 _3d_8\"> </span><span class=\"ls13_11 ws39_5\">257 6<span class=\"__14 _1072\"/>17<span class=\"__14 _5d_6\"> </span></span>12 7<span class=\"__14 _b_13\"/>47<span class=\"__14 _1135\"> </span>3 512<span class=\"__14 _6f_6\"> </span>27<span class=\"__14 _1072\"/>3 876<span class=\"__14 _1ce\"> </span>1)  \u00d6vriga f\u00f6r\u00e4ndringar a<span class=\"__14 _b_13\"/>vser fr\u00e4mst \u00f6kat utnyttjande a<span class=\"__14 _1058\"/>v kreditramar som beviljats tidigar<span class=\"__14 _b_13\"/>e \u00e5r<span class=\"__14 _1ce\"> </span>.<span class=\"__14 _1ce\"> </span>F\u00f6r<span class=\"__14 _b_13\"/>\u00e4ndring av reserver f<span class=\"__14 _b_13\"/>\u00f6r l\u00e5n v\u00e4rderade till upplupet anska<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ffningsv\u00e4rde<span class=\"__14 _1ce\"> </span></span>Centralbanker och kr<span class=\"__14 _b_13\"/>editinstitut<span class=\"__14 _1225\"> </span>Allm\u00e4nheten<span class=\"__14 _8a_6\"> </span>Summa<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _1f_10\"> </span>Kategori 2<span class=\"__14 _1f_10\"> </span>Kat<span class=\"__14 _1058\"/>egori 3<span class=\"__14 _1076\"> </span>Summa<span class=\"__14 _a_13\"> </span>Kategori 1<span class=\"__14 _1ab\"> </span>Kategori 2<span class=\"__14 _1ac\"> </span>Kategori 3<span class=\"__14 _1a2\"> </span>Summa<span class=\"__14 _e_13\"> </span>Kategori 1<span class=\"__14 _1ab\"> </span>Kategori 2<span class=\"__14 _1ac\"> </span>Kategori 3<span class=\"__14 _1a2\"> </span>Summa<span class=\"__14 _1ce\"> </span>Ing\u00e5ende balans  per 1 jan 2022<span class=\"__14 _2f_8\"> </span>-3<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _1117\"> </span>-3<span class=\"__14 _4e_6\"> </span>-194<span class=\"__14 _1127\"> </span>-399<span class=\"__14 _8b_6\"> </span>-1 610<span class=\"__14 _1117\"> </span>-2 203<span class=\"__14 _3b_8\"> </span><span class=\"ls13_11 ws39_5\">-1<span class=\"__14 _1072\"/>97<span class=\"__14 _1127\"> </span></span>-399<span class=\"__14 _8b_6\"> </span>-1 610<span class=\"__14 _1223\"> </span>-2 206<span class=\"__14 _1ce\"> </span>Nya eller f\u00f6rv\u00e4rvade<span class=\"__14 _1ce\"> </span> l\u00e5nefordringar<span class=\"__14 _4a_6\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _1130\"> </span></span>0<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _1117\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _8c_6\"> </span></span>-69<span class=\"__14 _3b_8\"> </span>-30<span class=\"__14 _1147\"> </span>-8<span class=\"__14 _1121\"> </span>-107<span class=\"__14 _5f_6\"> </span><span class=\"ls2c_6 ws53_3\">-71<span class=\"__14 _3b_8\"> </span></span>-30<span class=\"__14 _1147\"> </span>-8<span class=\"__14 _8c_6\"> </span>-109<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori 1<span class=\"__14 _1ce\"> </span> till kategori 2<span class=\"__14 _1225\"> </span>0<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>0<span class=\"__14 _1136\"> </span>4<span class=\"__14 _3b_8\"> </span><span class=\"ls29_6 ws50_3\">-<span class=\"__14 _1072\"/>97<span class=\"__14 _1106\"> </span></span>\u2013<span class=\"__14 _6a_6\"> </span>-93<span class=\"__14 _1136\"> </span>4<span class=\"__14 _3b_8\"> </span><span class=\"ls29_6 ws50_3\">-<span class=\"__14 _1072\"/>97<span class=\"__14 _1106\"> </span></span>\u2013<span class=\"__14 _6a_6\"> </span>-93<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori 1<span class=\"__14 _1ce\"> </span> till kategori 3<span class=\"__14 _1225\"> </span>0<span class=\"__14 _7c_6\"> </span>\u2013<span class=\"__14 _a6_7\"> </span>-5<span class=\"__14 _1223\"> </span>-5<span class=\"__14 _1148\"> </span>1<span class=\"__14 _a6_7\"> </span>\u2013<span class=\"__14 _1113\"> </span>-60<span class=\"__14 _6a_6\"> </span>-59<span class=\"__14 _1148\"> </span>1<span class=\"__14 _a6_7\"> </span>\u2013<span class=\"__14 _a5_7\"> </span>-65<span class=\"__14 _a5_7\"> </span>-64<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori 2<span class=\"__14 _1ce\"> </span> till kategori 1<span class=\"__14 _1b0\"> </span>0<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _3b_8\"> </span>0<span class=\"__14 _7c_6\"> </span>-5<span class=\"__14 _1154\"> </span><span class=\"ls13_11 ws39_5\">76<span class=\"__14 _da_6\"> </span></span>\u2013<span class=\"__14 _1147\"> </span>71<span class=\"__14 _7c_6\"> </span>-5<span class=\"__14 _8c_6\"> </span><span class=\"ls13_11 ws39_5\">76<span class=\"__14 _1106\"> </span></span>\u2013<span class=\"__14 _1147\"> </span>71<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori 2<span class=\"__14 _1ce\"> </span> till kategori 3<span class=\"__14 _1210\"> </span>\u2013<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _4e_6\"> </span>0<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _8c_6\"> </span>10<span class=\"__14 _a5_7\"> </span>-89<span class=\"__14 _6a_6\"> </span><span class=\"ls2c_6 ws53_3\">-7<span class=\"__14 _1072\"/>9<span class=\"__14 _1129\"> </span></span>\u2013<span class=\"__14 _8c_6\"> </span>10<span class=\"__14 _a5_7\"> </span>-89<span class=\"__14 _7c_6\"> </span><span class=\"ls2c_6 ws53_3\">-79<span class=\"__14 _1ce\"> </span></span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori 3<span class=\"__14 _1ce\"> </span> till kategori 1<span class=\"__14 _1225\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>\u2013<span class=\"__14 _1129\"> </span>0<span class=\"__14 _1113\"> </span>\u2013<span class=\"__14 _1136\"> </span>27<span class=\"__14 _1136\"> </span>27<span class=\"__14 _1129\"> </span>0<span class=\"__14 _1113\"> </span>\u2013<span class=\"__14 _1136\"> </span>27<span class=\"__14 _1136\"> </span>27<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori 3<span class=\"__14 _1ce\"> </span> till kategori 2<span class=\"__14 _1b1\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _5a_6\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _1121\"> </span>-6<span class=\"__14 _1129\"> </span>29<span class=\"__14 _1129\"> </span><span class=\"ls28_6 ws4f_3\">23<span class=\"__14 _1104\"> </span></span>\u2013<span class=\"__14 _1121\"> </span>-6<span class=\"__14 _1129\"> </span>29<span class=\"__14 _1136\"> </span><span class=\"ls28_6 ws4f_3\">23<span class=\"__14 _1ce\"> </span></span>F\u00f6r\u00e4ndringar i kr<span class=\"__14 _1058\"/>edit-<span class=\"__14 _1ce\"> </span> risk utan \u00f6verf\u00f6ringar<span class=\"__14 _1ce\"> </span> mellan kategorier<span class=\"__14 _15a_1\"> </span>0<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _1115\"> </span><span class=\"ls26_6 ws4c_3\">-20<span class=\"__14 _1a9\"> </span>-2<span class=\"__14 _1072\"/>0<span class=\"__14 _7c_6\"> </span></span>-3<span class=\"__14 _3b_8\"> </span>-46<span class=\"__14 _7c_6\"> </span><span class=\"ls13_11 ws39_5\">-18<span class=\"__14 _7c_6\"> </span></span>-67<span class=\"__14 _7c_6\"> </span>-3<span class=\"__14 _4e_6\"> </span>-46<span class=\"__14 _a5_7\"> </span>-38<span class=\"__14 _6a_6\"> </span>-87<span class=\"__14 _1ce\"> </span>\u00c5terbetalda eller s\u00e5lda<span class=\"__14 _1ce\"> </span> l\u00e5nefordringar<span class=\"__14 _1103\"> </span>1<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _1098\"> </span>1<span class=\"__14 _1113\"> </span>45<span class=\"__14 _1115\"> </span>80<span class=\"__14 _a5_7\"> </span><span class=\"ls13_11 ws39_5\">176<span class=\"__14 _1113\"> </span></span>301<span class=\"__14 _7b_6\"> </span>46<span class=\"__14 _1115\"> </span>80<span class=\"__14 _a5_7\"> </span><span class=\"ls13_11 ws39_5\">176<span class=\"__14 _a6_7\"> </span></span>302<span class=\"__14 _1ce\"> </span>Bortskrivna l\u00e5ne-fordringar<span class=\"__14 _1ce\"> </span> med minskning av reserver<span class=\"__14 _fc_7\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>\u2013<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _1113\"> </span>\u2013<span class=\"__14 _1120\"> </span>509<span class=\"__14 _1120\"> </span>509<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _a6_7\"> </span>\u2013<span class=\"__14 _1120\"> </span>509<span class=\"__14 _1120\"> </span>509<span class=\"__14 _1ce\"> </span>V<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">alutakursdifferenser</span><span class=\"__14 _1200\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _4e_6\"> </span>0<span class=\"__14 _1136\"> </span>5<span class=\"__14 _a5_7\"> </span>4<span class=\"__14 _1129\"> </span><span class=\"ls26_6 ws4c_3\">24<span class=\"__14 _1136\"> </span></span>33<span class=\"__14 _1136\"> </span>5<span class=\"__14 _1113\"> </span>4<span class=\"__14 _1136\"> </span><span class=\"ls26_6 ws4c_3\">24<span class=\"__14 _1129\"> </span></span>33<span class=\"__14 _1ce\"> </span>Utg\u00e5ende balans  per 31 dec 2022<span class=\"__14 _1ce\"> </span>-4<span class=\"__14 _7c_6\"> </span><span class=\"ls0_14 ws0_14\">\u2013<span class=\"__14 _1115\"> </span><span class=\"ls26_6 ws4c_3\">-25<span class=\"__14 _1a9\"> </span>-2<span class=\"__14 _1072\"/>9<span class=\"__14 _1119\"> </span></span>-216<span class=\"__14 _1a4\"> </span>-408<span class=\"__14 _1117\"> </span>-1 020<span class=\"__14 _1223\"> </span>-1 644<span class=\"__14 _4e_6\"> </span>-220<span class=\"__14 _1a4\"> </span>-<span class=\"__14 _1072\"/>408<span class=\"__14 _1223\"> </span>-1 045<span class=\"__14 _8b_6\"> </span>-1 673<span class=\"__14 _1ce\"> </span></span>Centralbanker och kr<span class=\"__14 _b_13\"/>editinstitut<span class=\"__14 _1225\"> </span>Allm\u00e4nheten<span class=\"__14 _8a_6\"> </span>Summa<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1ce\"> </span>Kategori 1<span class=\"__14 _1f_10\"> </span>Kategori 2<span class=\"__14 _1f_10\"> </span>Kat<span class=\"__14 _1058\"/>egori 3<span class=\"__14 _1076\"> </span>Summa<span class=\"__14 _a_13\"> </span>Kategori 1<span class=\"__14 _1ab\"> </span>Kategori 2<span class=\"__14 _1ac\"> </span>Kategori 3<span class=\"__14 _1a2\"> </span>Summa<span class=\"__14 _e_13\"> </span>Kategori 1<span class=\"__14 _1ab\"> </span>Kategori 2<span class=\"__14 _1ac\"> </span>Kategori 3<span class=\"__14 _1a2\"> </span>Summa<span class=\"__14 _1ce\"> </span>Ing\u00e5ende balans  per 1 jan 2021<span class=\"__14 _1ad\"> </span>-3<span class=\"__14 _1113\"> </span><span class=\"ls13_11 ws39_5\">-1 <span class=\"__14 _1113\"> </span></span>0<span class=\"__14 _3d_8\"> </span><span class=\"ls28_6 ws4f_3\">-4<span class=\"__14 _1119\"> </span></span>-281<span class=\"__14 _1a4\"> </span><span class=\"ls28_6 ws4f_3\">-489<span class=\"__14 _a0_6\"> </span></span>-1 674<span class=\"__14 _1135\"> </span>-2 444<span class=\"__14 _5a_6\"> </span>-284<span class=\"__14 _1a4\"> </span>-490<span class=\"__14 _8b_6\"> </span>-1 67<span class=\"__14 _1058\"/>4<span class=\"__14 _3d_8\"> </span>-<span class=\"__14 _b_13\"/>2 448<span class=\"__14 _1ce\"> </span>Nya eller f\u00f6rv\u00e4rvade<span class=\"__14 _1ce\"> </span> l\u00e5nefordringar<span class=\"__14 _4a_6\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _1130\"> </span></span>0<span class=\"__14 _7c_6\"> </span>\u2013<span class=\"__14 _a0_6\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _1118\"> </span><span class=\"ls13_11 ws39_5\">-51<span class=\"__14 _1096\"> </span></span>-22<span class=\"__14 _1147\"> </span></span>-8<span class=\"__14 _7c_6\"> </span>-81<span class=\"__14 _1121\"> </span>-53<span class=\"__14 _1098\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _1072\"/>2<span class=\"__14 _1147\"> </span></span>-8<span class=\"__14 _a5_7\"> </span>-83<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori<span class=\"__14 _1ce\"> </span> 1 till kategori 2<span class=\"__14 _1ad\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>0<span class=\"__14 _1136\"> </span>9<span class=\"__14 _1ae\"> </span>-108<span class=\"__14 _1106\"> </span>\u2013<span class=\"__14 _a5_7\"> </span>-99<span class=\"__14 _1136\"> </span>9<span class=\"__14 _1135\"> </span>-108<span class=\"__14 _1106\"> </span>\u2013<span class=\"__14 _a5_7\"> </span>-99<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori<span class=\"__14 _1ce\"> </span> 1 till kategori 3<span class=\"__14 _1ad\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>0<span class=\"__14 _1148\"> </span>1<span class=\"__14 _a6_7\"> </span>\u2013<span class=\"__14 _6a_6\"> </span>-33<span class=\"__14 _7c_6\"> </span>-32<span class=\"__14 _1147\"> </span>1<span class=\"__14 _1113\"> </span>\u2013<span class=\"__14 _7c_6\"> </span>-33<span class=\"__14 _6a_6\"> </span>-32<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori<span class=\"__14 _1ce\"> </span> 2 till kategori 1<span class=\"__14 _1ad\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>0<span class=\"__14 _7c_6\"> </span>-3<span class=\"__14 _5a_6\"> </span>100<span class=\"__14 _da_6\"> </span>\u2013<span class=\"__14 _1129\"> </span><span class=\"ls29_6 ws50_3\">97<span class=\"__14 _4c_6\"> </span></span>-3<span class=\"__14 _5a_6\"> </span>100<span class=\"__14 _1106\"> </span>\u2013<span class=\"__14 _1129\"> </span><span class=\"ls29_6 ws50_3\">97<span class=\"__14 _1ce\"> </span></span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori<span class=\"__14 _1ce\"> </span> 2 till kategori 3<span class=\"__14 _1214\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _5a_6\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _1154\"> </span>28<span class=\"__14 _1118\"> </span><span class=\"ls13_11 ws39_5\">-152<span class=\"__14 _1121\"> </span><span class=\"ls26_6 ws4c_3\">-1<span class=\"__14 _1072\"/>24<span class=\"__14 _1129\"> </span></span></span>\u2013<span class=\"__14 _1154\"> </span>28<span class=\"__14 _1118\"> </span><span class=\"ls13_11 ws39_5\">-152<span class=\"__14 _1121\"> </span><span class=\"ls26_6 ws4c_3\">-1<span class=\"__14 _1072\"/>24<span class=\"__14 _1ce\"> </span></span></span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori<span class=\"__14 _1ce\"> </span> 3 till kategori 1<span class=\"__14 _2f_8\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>\u2013<span class=\"__14 _a1_6\"> </span><span class=\"ls13_11 ws39_5\">-1<span class=\"__14 _1113\"> </span></span>\u2013<span class=\"__14 _1136\"> </span>22<span class=\"__14 _1147\"> </span>21<span class=\"__14 _4c_6\"> </span><span class=\"ls13_11 ws39_5\">-1<span class=\"__14 _1113\"> </span></span>\u2013<span class=\"__14 _1136\"> </span>22<span class=\"__14 _1147\"> </span>21<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar fr<span class=\"__14 _1058\"/>\u00e5n kategori<span class=\"__14 _1ce\"> </span> 3 till kategori 2<span class=\"__14 _1214\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _5a_6\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _5f_6\"> </span><span class=\"ls13_11 ws39_5\">-1<span class=\"__14 _1129\"> </span></span>38<span class=\"__14 _1136\"> </span>37<span class=\"__14 _1104\"> </span>\u2013<span class=\"__14 _5f_6\"> </span><span class=\"ls13_11 ws39_5\">-1<span class=\"__14 _1104\"> </span></span>38<span class=\"__14 _1136\"> </span>37<span class=\"__14 _1ce\"> </span>F\u00f6r\u00e4ndringar i kr<span class=\"__14 _1058\"/>edit-<span class=\"__14 _1ce\"> </span> risk utan \u00f6verf\u00f6ringar<span class=\"__14 _1ce\"> </span> mellan kategorier<span class=\"__14 _15a_1\"> </span>0<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _3b_8\"> </span>0<span class=\"__14 _1113\"> </span><span class=\"ls29_6 ws50_3\">97<span class=\"__14 _8c_6\"> </span></span>22<span class=\"__14 _1121\"> </span><span class=\"ls13_11 ws39_5\">-12<span class=\"__14 _1072\"/>5<span class=\"__14 _1147\"> </span></span>-6<span class=\"__14 _1113\"> </span><span class=\"ls29_6 ws50_3\">97<span class=\"__14 _8c_6\"> </span></span>22<span class=\"__14 _1118\"> </span><span class=\"ls13_11 ws39_5\">-125<span class=\"__14 _1147\"> </span></span>-6<span class=\"__14 _1ce\"> </span>\u00c5terbetalda eller s\u00e5lda<span class=\"__14 _1ce\"> </span> l\u00e5nefordringar<span class=\"__14 _1222\"> </span>2<span class=\"__14 _1104\"> </span>1<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _3b_8\"> </span>3 <span class=\"__14 _5f_6\"> </span>37<span class=\"__14 _8c_6\"> </span><span class=\"ls2a_6 ws51_3\">72<span class=\"__14 _1130\"> </span></span>89<span class=\"__14 _a6_7\"> </span>198<span class=\"__14 _1113\"> </span>39<span class=\"__14 _8c_6\"> </span><span class=\"ls2b_6 ws52_3\">73<span class=\"__14 _1130\"> </span></span>89<span class=\"__14 _a5_7\"> </span>201<span class=\"__14 _1ce\"> </span>Bortskrivna l\u00e5ne-<span class=\"__14 _1ce\"> </span>fordringar med minskning<span class=\"__14 _1ce\"> </span> av reserver<span class=\"__14 _1af\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _5a_6\"> </span>\u2013<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _a6_7\"> </span>\u2013<span class=\"__14 _7b_6\"> </span>260<span class=\"__14 _1120\"> </span>260<span class=\"__14 _1129\"> </span>\u2013<span class=\"__14 _1113\"> </span>\u2013<span class=\"__14 _1120\"> </span>260<span class=\"__14 _1120\"> </span>260<span class=\"__14 _1ce\"> </span>V<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">alutakursdifferenser</span><span class=\"__14 _1200\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _4c_6\"> </span>\u2013<span class=\"__14 _4e_6\"> </span>0<span class=\"__14 _4c_6\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _5f_6\"> </span><span class=\"ls13_11 ws39_5\">-1<span class=\"__14 _4c_6\"> </span></span>-27<span class=\"__14 _6a_6\"> </span></span>-30<span class=\"__14 _4c_6\"> </span><span class=\"ls26_6 ws4c_3\">-2<span class=\"__14 _5f_6\"> </span><span class=\"ls13_11 ws39_5\">-1<span class=\"__14 _4c_6\"> </span></span>-27<span class=\"__14 _6a_6\"> </span></span>-30<span class=\"__14 _1ce\"> </span>Utg\u00e5ende balans  per 31 dec 2021<span class=\"__14 _1ce\"> </span>-3<span class=\"__14 _4c_6\"> </span>0<span class=\"__14 _a1_6\"> </span>0<span class=\"__14 _1223\"> </span>-3<span class=\"__14 _3b_8\"> </span>-194<span class=\"__14 _1127\"> </span>-399<span class=\"__14 _a0_6\"> </span>-1 610<span class=\"__14 _1117\"> </span>-2 203<span class=\"__14 _1119\"> </span><span class=\"ls13_11 ws39_5\">-197<span class=\"__14 _1135\"> </span></span>-399<span class=\"__14 _a0_6\"> </span>-1 610<span class=\"__14 _1223\"> </span>-2 206<span class=\"__14 _1ce\"> </span>T<span class=\"__14 _1c_10\"/>abellerna visar f\u00f6r\u00e4ndringar i e<span class=\"__14 _b_13\"/>xponering/reserver f\u00f6r v<span class=\"__14 _b_13\"/>arje kategori under \u00e5ret. Om en exponering \u00f6verf<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>s fr\u00e5n ka<span class=\"__14 _b_13\"/>tegori 1 till<span class=\"__14 _1ce\"> </span> kategori 2, g\u00f6rs en \u00e5t<span class=\"__14 _1058\"/>erf\u00f6ring i kat<span class=\"__14 _b_13\"/>egori 1 och en \u00f6kning i kategori 2.<span class=\"__14 _1ce\"> </span>F\u00f6r<span class=\"__14 _b_13\"/>\u00e4ndring i avs\u00e4ttningar f<span class=\"__14 _b_13\"/>\u00f6r garantier<span class=\"__14 _b_13\"/>/<span class=\"__14 _b_13\"/>\u00e5taganden<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1b2\"> </span>Kategori 1<span class=\"__14 _1a2\"> </span>Kategori 2<span class=\"__14 _1a5\"> </span>Ka<span class=\"__14 _b_13\"/>tegori 3<span class=\"__14 _8f_6\"> </span>Summa<span class=\"__14 _1ce\"> </span>Ing\u00e5ende balans per 1 jan 2022<span class=\"__14 _1b3\"> </span>35<span class=\"__14 _aa_6\"> </span>128<span class=\"__14 _14f_2\"> </span>20<span class=\"__14 _aa_6\"> </span>183<span class=\"__14 _1ce\"> </span>Nya eller f\u00f6rv\u00e4rvade e<span class=\"__14 _b_13\"/>xponeringar<span class=\"__14 _1b4\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1151\"> </span></span>12<span class=\"__14 _8e_6\"> </span>0<span class=\"__14 _7e_6\"> </span>29<span class=\"__14 _1ce\"> </span>\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 1 till kategori 2<span class=\"__14 _1231\"> </span><span class=\"ls14_11 ws3a_5\">-1<span class=\"__14 _14f_2\"> </span></span>28<span class=\"__14 _1ce\"> </span>\u2013<span class=\"__14 _1132\"> </span><span class=\"fs0_14\">27<span class=\"__14 _1ce\"> </span></span>\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 1 till kategori 3<span class=\"__14 _17b\"> </span>0<span class=\"__14 _1ce\"> </span>\u2013<span class=\"__14 _6c_6\"> </span><span class=\"fs0_14\">2<span class=\"__14 _1153\"> </span>2<span class=\"__14 _1ce\"> </span></span>\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 2 till kategori 1<span class=\"__14 _1b5\"> </span>1<span class=\"__14 _1152\"> </span>-32<span class=\"__14 _1ce\"> </span>\u2013<span class=\"__14 _1102\"> </span><span class=\"fs0_14\">-31<span class=\"__14 _1ce\"> </span></span>\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 2 till kategori 3<span class=\"__14 _1ce\"> </span>\u2013<span class=\"__14 _b5_7\"> </span><span class=\"fs0_14 ls14_11 ws3a_5\">-1<span class=\"__14 _6c_6\"> </span></span><span class=\"fs0_14\">2<span class=\"__14 _a7_7\"> </span>1<span class=\"__14 _1ce\"> </span></span>\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 3 till kategori 1<span class=\"__14 _17b\"> </span>0<span class=\"__14 _1ce\"> </span>\u2013<span class=\"__14 _1101\"> </span><span class=\"fs0_14 ls16_11 ws3c_5\">-2<span class=\"__14 _1101\"> </span>-2<span class=\"__14 _1ce\"> </span></span>\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 3 till kategori 2<span class=\"__14 _17a\"> </span>\u2013<span class=\"__14 _a7_7\"> </span>1<span class=\"__14 _1101\"> </span>-3<span class=\"__14 _1101\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1ce\"> </span></span>F\u00f6r\u00e4ndringar i kr<span class=\"__14 _b_13\"/>editrisk utan \u00f6verf\u00f6ringar mellan kategorier<span class=\"__14 _1b6\"> </span>9<span class=\"__14 _8e_6\"> </span>4<span class=\"__14 _1153\"> </span>9<span class=\"__14 _1132\"> </span>22<span class=\"__14 _1ce\"> </span>\u00c5terbetalda eller s\u00e5lda l\u00e5nef<span class=\"__14 _1058\"/>ordringar<span class=\"__14 _1b7\"> </span><span class=\"ls14_11 ws3a_5\">-10<span class=\"__14 _1102\"> </span><span class=\"ls16_11 ws3c_5\">-27<span class=\"__14 _c3_6\"> </span>-2<span class=\"__14 _9b_6\"> </span></span></span>-39<span class=\"__14 _1ce\"> </span>Bortskrivna l\u00e5nefordringar med minskning a<span class=\"__14 _b_13\"/>v reserver<span class=\"__14 _1ce\"> </span>0<span class=\"__14 _6c_6\"> </span>0<span class=\"__14 _1151\"> </span><span class=\"fs0_14\">-3<span class=\"__14 _1101\"> </span>-3<span class=\"__14 _1ce\"> </span></span>V<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">alutakursdifferenser</span><span class=\"__14 _1b8\"> </span><span class=\"ls14_11 ws3a_5\">-1<span class=\"__14 _1101\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1153\"> </span></span></span>0<span class=\"__14 _1151\"> </span>-3<span class=\"__14 _1ce\"> </span>Utg\u00e5ende balans per 31 dec 2022<span class=\"__14 _1b9\"> </span>50<span class=\"__14 _1109\"> </span>111<span class=\"__14 _7e_6\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _b7_7\"> </span></span>184<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1b2\"> </span>Kategori 1<span class=\"__14 _1a2\"> </span>Kategori 2<span class=\"__14 _1a5\"> </span>Ka<span class=\"__14 _b_13\"/>tegori 3<span class=\"__14 _8f_6\"> </span>Summa<span class=\"__14 _1ce\"> </span>Ing\u00e5ende balans per 1 jan 2021<span class=\"__14 _1ba\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _b7_7\"> </span></span>138<span class=\"__14 _14f_2\"> </span>26<span class=\"__14 _b7_7\"> </span>236<span class=\"__14 _1ce\"> </span>Nya eller f\u00f6rv\u00e4rvade e<span class=\"__14 _b_13\"/>xponeringar<span class=\"__14 _1bb\"> </span>7<span class=\"__14 _6c_6\"> </span>7<span class=\"__14 _8e_6\"> </span>0<span class=\"__14 _e2_6\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1ce\"> </span></span>\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 1 till kategori 2<span class=\"__14 _1232\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _9a_6\"> </span><span class=\"ls1b_8 ws41_5\">48<span class=\"__14 _1ce\"> </span></span></span>\u2013<span class=\"__14 _14f_2\"> </span><span class=\"fs0_14\">46<span class=\"__14 _1ce\"> </span></span>\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 1 till kategori 3<span class=\"__14 _17b\"> </span>0<span class=\"__14 _1ce\"> </span>\u2013<span class=\"__14 _6c_6\"> </span><span class=\"fs0_14\">2<span class=\"__14 _1153\"> </span>2<span class=\"__14 _1ce\"> </span></span>\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 2 till kategori 1<span class=\"__14 _17b\"> </span>0<span class=\"__14 _1156\"> </span>-44<span class=\"__14 _1ce\"> </span>\u2013<span class=\"__14 _1156\"> </span><span class=\"fs0_14\">-44<span class=\"__14 _1ce\"> </span></span>\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 2 till kategori 3<span class=\"__14 _1ce\"> </span>\u2013<span class=\"__14 _1101\"> </span><span class=\"fs0_14 ls16_11 ws3c_5\">-2<span class=\"__14 _1153\"> </span></span><span class=\"fs0_14\">8<span class=\"__14 _8e_6\"> </span>6<span class=\"__14 _1ce\"> </span></span>\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 3 till kategori 1<span class=\"__14 _17b\"> </span>0<span class=\"__14 _1ce\"> </span>\u2013<span class=\"__14 _1101\"> </span><span class=\"fs0_14 ls16_11 ws3c_5\">-2<span class=\"__14 _1101\"> </span>-2<span class=\"__14 _1ce\"> </span></span>\u00d6verf\u00f6ringar fr<span class=\"__14 _b_13\"/>\u00e5n kategori 3 till kategori 2<span class=\"__14 _1ce\"> </span>\u2013<span class=\"fs0_14\">0<span class=\"__14 _a7_7\"> </span>1<span class=\"__14 _1101\"> </span>-3<span class=\"__14 _1101\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1ce\"> </span></span></span>F\u00f6r\u00e4ndringar i kr<span class=\"__14 _b_13\"/>editrisk utan \u00f6verf\u00f6ringar mellan kategorier<span class=\"__14 _f8_6\"> </span><span class=\"ls16_11 ws3c_5\">-2<span class=\"__14 _1072\"/>7<span class=\"__14 _1101\"> </span></span>-3<span class=\"__14 _1151\"> </span>-5<span class=\"__14 _1152\"> </span>-35<span class=\"__14 _1ce\"> </span>\u00c5terbetalda eller s\u00e5lda l\u00e5nef<span class=\"__14 _1058\"/>ordringar<span class=\"__14 _1bc\"> </span><span class=\"ls14_11 ws3a_5\">-15<span class=\"__14 _a4_6\"> </span>-17<span class=\"__14 _1101\"> </span></span>-3<span class=\"__14 _9b_6\"> </span>-35<span class=\"__14 _1ce\"> </span>Bortskrivna l\u00e5nefordringar med minskning a<span class=\"__14 _b_13\"/>v reserver<span class=\"__14 _1ce\"> </span>\u2013<span class=\"__14 _1153\"> </span>\u2013<span class=\"__14 _1101\"> </span><span class=\"fs0_14\">-3<span class=\"__14 _1151\"> </span>-3<span class=\"__14 _1ce\"> </span></span>V<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">alutakursdifferenser</span><span class=\"__14 _1bd\"> </span>0<span class=\"__14 _8e_6\"> </span>0<span class=\"__14 _1153\"> </span>0<span class=\"__14 _8e_6\"> </span>0<span class=\"__14 _1ce\"> </span>Utg\u00e5ende balans per 31 dec 2021<span class=\"__14 _1b4\"> </span>35<span class=\"__14 _1156\"> </span>128<span class=\"__14 _14f_2\"> </span>20<span class=\"__14 _aa_6\"> </span>183<span class=\"__14 _1ce\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCreditRiskExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-766": {
   "value": "4. Marknadsrisk<span class=\"__14 _1ce\"> </span>Marknadsrisk \u00e4r risken f<span class=\"__14 _1058\"/>\u00f6r f\u00f6rlus<span class=\"__14 _b_13\"/>ter h\u00e4nf\u00f6rliga till Nor<span class=\"__14 _1058\"/>deas innehav i an<span class=\"__14 _b_13\"/>tingen handelslagret eller \u00f6vrig verksamhet till f\u00f6ljd a<span class=\"__14 _b_13\"/>v f\u00f6r\u00e4ndringar i marknadsk<span class=\"__14 _1058\"/>urser och parametrar som p\u00e5v<span class=\"__14 _b_13\"/>erkar marknadsv\u00e4rdet eller r\u00e4nt<span class=\"__14 _b_13\"/>enettot. Marknadsrisken \ufb01nns oavs<span class=\"__14 _1058\"/>ett vilken redovisningsmet<span class=\"__14 _b_13\"/>od som anv\u00e4nds f\u00f6r inne-<span class=\"__14 _1ce\"> </span>hav<span class=\"__14 _b_13\"/>en.<span class=\"__14 _1ce\"> </span>Koncernens t<span class=\"__14 _1058\"/>oleransniv\u00e5 f<span class=\"__14 _b_13\"/>\u00f6r marknadsrisk fastst<span class=\"__14 _1058\"/>\u00e4lls i sty-<span class=\"__14 _1ce\"> </span>relsens riskf<span class=\"__14 _b_13\"/>\u00f6rklaringar. Riskf<span class=\"__14 _b_13\"/>\u00f6rklaringarna omfa<span class=\"__14 _1058\"/>ttar handels-<span class=\"__14 _1ce\"> </span>lagret och \u00f6vrig verksamhet.<span class=\"__14 _1ce\"> </span>Den andra f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>svarslinjen s\u00e4kerst\u00e4ller att riskk<span class=\"__14 _b_13\"/>ommitt\u00e9n p\u00e5 ett korrek<span class=\"__14 _b_13\"/>t s\u00e4tt omvandlar riskt<span class=\"__14 _b_13\"/>oleransen till speci\ufb01ka risklimi-<span class=\"__14 _1ce\"> </span>ter f\u00f6r a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ff\u00e4rsomr\u00e5dena och Group </span><span class=\"__14 _b_13\"/>T<span class=\"__14 _b_13\"/>reasury<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>I enlighet med det \u00f6vergripande r<span class=\"__14 _b_13\"/>amverket f\u00f6r risk<span class=\"__14 _b_13\"/>tolerans anv\u00e4nds holis<span class=\"__14 _b_13\"/>tiska och s\u00e4r<span class=\"__14 _1072\"/>skilt anpassade stress<span class=\"__14 _b_13\"/>tester f\u00f6r a<span class=\"__14 _b_13\"/>tt m\u00e4ta toler<span class=\"__14 _b_13\"/>ansen f\u00f6r marknadsrisk och kalibrera limit<span class=\"__14 _1058\"/>er f\u00f6r a<span class=\"__14 _1058\"/>tt f\u00f6lja upp och k<span class=\"__14 _1058\"/>ontroller<span class=\"__14 _b_13\"/>a alla v\u00e4sentliga marknadsriskf<span class=\"__14 _1058\"/>aktor<span class=\"__14 _b_13\"/>er som Nordea p\u00e5<span class=\"__14 _b_13\"/>verkas av<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>4.<span class=\"__14 _b_13\"/>1 Handelsrelat<span class=\"__14 _1058\"/>erad marknadsrisk<span class=\"__14 _1ce\"> </span>Handelsrelater<span class=\"__14 _b_13\"/>ad marknadsrisk h\u00e4rr\u00f6r huvudsakligen fr\u00e5n kunddriven handel och a<span class=\"__14 _b_13\"/>vser s\u00e4kringar gjorda i Nordea  <span class=\"__14 _d_13\"/>Markets som ing\u00e5r i Large Corpora<span class=\"__14 _b_13\"/>tes &amp; Institutions.<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Nordea Markets aff</span><span class=\"__14 _b_13\"/>\u00e4rsmodell medf\u00f6r marknadsrisker i samband med att enheten erbjuder f<span class=\"__14 _b_13\"/>\u00f6retag och institutionella kunder en rad olika r<span class=\"__14 _b_13\"/>\u00e4nte-, aktie-, v<span class=\"__14 _b_13\"/>aluta- och r\u00e5<span class=\"__14 _1058\"/>varuproduk<span class=\"__14 _b_13\"/>ter samt struk<span class=\"__14 _b_13\"/>turerade produk<span class=\"__14 _b_13\"/>ter<span class=\"__14 _b_13\"/>. Dessa marknadsrisker innefat-<span class=\"__14 _1ce\"> </span>tar r\u00e4n<span class=\"__14 _b_13\"/>terisk<span class=\"__14 _1072\"/>, kreditspreadrisk, aktierisk, v<span class=\"__14 _1058\"/>alutarisk, r\u00e5<span class=\"__14 _b_13\"/>varurisk och inflationsrisk.<span class=\"__14 _1ce\"> </span>Vidare \u00e4r Nordea en a<span class=\"__14 _b_13\"/>v de st\u00f6rsta bol\u00e5negivarna och mark<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>nadsgaran<span class=\"__14 _b_13\"/>terna f\u00f6r f\u00f6r<span class=\"__14 _1058\"/>etags- och sta<span class=\"__14 _1058\"/>tsobligationer i Norden. F\u00f6r a<span class=\"__14 _b_13\"/>tt kunna erbjuda likviditet p\u00e5 andrahandsmarknaden \u00e4r ett eget handelslager ett m\u00e5ste. Nordeas a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">ff\u00e4rsmodell medf\u00f6r </span>d\u00e4rf\u00f6r en koncen<span class=\"__14 _b_13\"/>tration inom nordiska bost<span class=\"__14 _b_13\"/>ads- och f\u00f6re-<span class=\"__14 _1ce\"> </span>tagsobligationer och inom lokala v<span class=\"__14 _b_13\"/>alutor<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>4.2 Ej handelsrelater<span class=\"__14 _1058\"/>ad marknadsrisk<span class=\"__14 _1ce\"> </span>Nordeas ej handelsrelat<span class=\"__14 _b_13\"/>erade marknadsrisker omfa<span class=\"__14 _b_13\"/>ttar r\u00e4nte-<span class=\"__14 _1ce\"> </span>risk, kundbeteenderisk, kreditspreadrisk, valutarisk (b\u00e5de struk<span class=\"__14 _1058\"/>turell och icke-struk<span class=\"__14 _b_13\"/>turell) och aktierisk. Ej handelsrela-<span class=\"__14 _1ce\"> </span>terad marknadsrisk upps<span class=\"__14 _1058\"/>t\u00e5r i Nordeas k\u00e4rnv<span class=\"__14 _b_13\"/>erksamhet<span class=\"__14 _1072\"/>, genom risks\u00e4kring av densamma sam<span class=\"__14 _b_13\"/>t genom krav i lagar och andra e<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">xterna best\u00e4mmelser (t.ex. likviditetsbuff</span><span class=\"__14 _b_13\"/>er<span class=\"__14 _1072\"/>t).<span class=\"__14 _1ce\"> </span>Group <span class=\"__14 _b_13\"/>T<span class=\"__14 _b_13\"/>reasury ansvarar f<span class=\"__14 _b_13\"/>\u00f6r riskhanteringen av all mark<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>nadsrisk som inte \u00e4r handelsr<span class=\"__14 _b_13\"/>elaterad i koncernens balans-<span class=\"__14 _1ce\"> </span>r\u00e4kning. F<span class=\"__14 _b_13\"/>\u00f6r att s\u00e4kerst\u00e4lla en tydlig ansvarsf<span class=\"__14 _b_13\"/>\u00f6rdelning inom Group <span class=\"__14 _b_13\"/>T<span class=\"__14 _b_13\"/>reasury har riskhanteringen delats in i fl<span class=\"__14 _1058\"/>era delar \u2013 var och en med ett tydligt riskmanda<span class=\"__14 _b_13\"/>t och speci\ufb01ka limiter och kontr<span class=\"__14 _b_13\"/>oller.<span class=\"__14 _1ce\"> </span>R\u00e4nterisk<span class=\"__14 _b_13\"/>en i \u00f6vrig verksamhet \u00e4r den be\ufb01ntliga eller fr<span class=\"__14 _b_13\"/>am-<span class=\"__14 _1ce\"> </span>tida risken i Nordeas kapital och/<span class=\"__14 _b_13\"/>eller int\u00e4k<span class=\"__14 _b_13\"/>ter som \u00e4r h\u00e4nf\u00f6r-<span class=\"__14 _1ce\"> </span>lig till ogynnsamma r\u00e4n<span class=\"__14 _1058\"/>tef<span class=\"__14 _1058\"/>\u00f6r\u00e4ndringar och kundbet<span class=\"__14 _1058\"/>eende. <span class=\"__14 _1ce\">Aff</span><span class=\"__14 _b_13\"/>\u00e4r<span class=\"__14 _1072\"/>somr\u00e5dena \u00f6v<span class=\"__14 _b_13\"/>er<span class=\"__14 _1072\"/>f\u00f6r sina riske<span class=\"__14 _b_13\"/>xponeringar i \u00f6vrig verk-<span class=\"__14 _1ce\"> </span>samhet till Group <span class=\"__14 _b_13\"/>T<span class=\"__14 _b_13\"/>reasury via ett intern<span class=\"__14 _b_13\"/>t system f\u00f6r in<span class=\"__14 _1058\"/>tern-<span class=\"__14 _1ce\"> </span>priss\u00e4ttning. Marknadsriskerna han<span class=\"__14 _b_13\"/>teras centr<span class=\"__14 _1058\"/>alt och innef<span class=\"__14 _1058\"/>at-<span class=\"__14 _1ce\"> </span>tar gaprisk, spreadrisk, basrisk, kreditspreadrisk, beteenderisk <span class=\"__14 _1ce\">och icke-linj\u00e4r risk. Eff</span><span class=\"__14 _1058\"/>ektivitet<span class=\"__14 _b_13\"/>en i risks\u00e4kring som avser k\u00e4rn-<span class=\"__14 _1ce\"> </span>verksamheten, till e<span class=\"__14 _b_13\"/>xempel ut- och inl\u00e5ning, kan p\u00e5v<span class=\"__14 _b_13\"/>erkas negativt a<span class=\"__14 _b_13\"/>v det handlingsutr<span class=\"__14 _1072\"/>ymme som kunderna har i fr\u00e5ga om deras a<span class=\"__14 _b_13\"/>vtalsenliga f\u00f6rplikt<span class=\"__14 _1058\"/>elser gent<span class=\"__14 _1058\"/>emot Nordea.<span class=\"__14 _1ce\"> </span>Likvida tillg\u00e5ngar hanter<span class=\"__14 _b_13\"/>as i enlighet med ramverken f<span class=\"__14 _b_13\"/>\u00f6r <span class=\"__14 _1ce\">likviditetsbuffert och s\u00e4kerhet</span><span class=\"__14 _1058\"/>er<span class=\"__14 _b_13\"/>. Huvuddelen av r\u00e4n<span class=\"__14 _b_13\"/>tef\u00f6r\u00e4nd-<span class=\"__14 _1ce\"> </span>ringsrisken h\u00e4nf<span class=\"__14 _b_13\"/>\u00f6rlig till obligationsinnehav s\u00e4kr<span class=\"__14 _1058\"/>as med l\u00f6p-<span class=\"__14 _1ce\"> </span>tidsmatchade r<span class=\"__14 _1058\"/>\u00e4ntes<span class=\"__14 _1058\"/>wappar (betalarswappar) och i mindr<span class=\"__14 _1058\"/>e utstr\u00e4ckning med dagsl\u00e5neinde<span class=\"__14 _b_13\"/>xswappar (betalarswappar). R\u00e4ntes\u00e4kringsa<span class=\"__14 _b_13\"/>vtal (FRA:er) och b\u00f6rsnoterade terminsa<span class=\"__14 _b_13\"/>vtal kan ocks\u00e5 anv\u00e4ndas f<span class=\"__14 _b_13\"/>\u00f6r att s\u00e4kra kreditspread- och r<span class=\"__14 _b_13\"/>\u00e4ntefas<span class=\"__14 _b_13\"/>t-<span class=\"__14 _1ce\"> </span>st\u00e4llelserisk. 4.3 M\u00e4tning a<span class=\"__14 _b_13\"/>v marknadsrisk<span class=\"__14 _1ce\"> </span>Nordea anv<span class=\"__14 _1058\"/>\u00e4nder flera kvan<span class=\"__14 _b_13\"/>titativa m\u00e4tmetoder f<span class=\"__14 _b_13\"/>\u00f6r handels-<span class=\"__14 _1ce\"> </span>relater<span class=\"__14 _b_13\"/>ad marknadsrisk: value-at-risk (V<span class=\"__14 _1c_10\"/>aR), stresstest<span class=\"__14 _b_13\"/>er, k\u00e4nslighetsanalyser<span class=\"__14 _1c_10\"/>, parametriska metoder och Monte Carlo-<span class=\"__14 _1ce\"> </span>simulering.<span class=\"__14 _1ce\"> </span>V<span class=\"__14 _b_13\"/>aR baseras p\u00e5 historiska s<span class=\"__14 _1058\"/>cenarier och \u00e4r det huvudsak<span class=\"__14 _1058\"/>-<span class=\"__14 _1ce\"> </span>liga m\u00e5ttet f<span class=\"__14 _b_13\"/>\u00f6r marknadsrisk<span class=\"__14 _1072\"/>, komplettera<span class=\"__14 _b_13\"/>t med stresstes<span class=\"__14 _1058\"/>ter<span class=\"__14 _b_13\"/>. Nordea ber\u00e4knar V<span class=\"__14 _1c_10\"/>aR med hj\u00e4lp av historisk simulering. Den aktuella portf\u00f6ljen om<span class=\"__14 _b_13\"/>v\u00e4rderas utifr<span class=\"__14 _1058\"/>\u00e5n historiska dagliga f<span class=\"__14 _b_13\"/>\u00f6r-<span class=\"__14 _1ce\"> </span>\u00e4ndringar i marknadspriser<span class=\"__14 _b_13\"/>, r\u00e4nt<span class=\"__14 _1058\"/>or och andra marknadsrisk<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>fak<span class=\"__14 _b_13\"/>torer som observerats under de senas<span class=\"__14 _b_13\"/>te 500 handelsda-<span class=\"__14 _1ce\"> </span>garna och som \u00f6vers\u00e4tts till f<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar i aktuella marknads-<span class=\"__14 _1ce\"> </span>riskfak<span class=\"__14 _b_13\"/>torer<span class=\"__14 _b_13\"/>. Nordea anv\u00e4nder absoluta, r<span class=\"__14 _b_13\"/>elativa och blandade \u00f6vers\u00e4ttningsmet<span class=\"__14 _1058\"/>oder f\u00f6r olika riskka<span class=\"__14 _b_13\"/>tegorier<span class=\"__14 _b_13\"/>. Omv\u00e4rderingen av den ak<span class=\"__14 _b_13\"/>tuella por<span class=\"__14 _1072\"/>tf\u00f6ljen g\u00f6rs f<span class=\"__14 _b_13\"/>\u00f6r varje innehav med hj\u00e4lp a<span class=\"__14 _b_13\"/>v antingen linj\u00e4r appro<span class=\"__14 _b_13\"/>ximering eller fullst\u00e4ndig omv<span class=\"__14 _b_13\"/>\u00e4rdering, beroende p\u00e5 inneha<span class=\"__14 _b_13\"/>vets ar<span class=\"__14 _1072\"/>t.<span class=\"__14 _1ce\"> </span>Par<span class=\"__14 _b_13\"/>ametriska metoder anv\u00e4nds f\u00f6r a<span class=\"__14 _b_13\"/>tt m\u00e4ta risken f\u00f6r aktieh\u00e4ndelser<span class=\"__14 _1c_10\"/>, inklusive fallissemang g\u00e4llande ak<span class=\"__14 _b_13\"/>tierelate-<span class=\"__14 _1ce\"> </span>rade inneha<span class=\"__14 _b_13\"/>v (en s\u00e4rskild typ av aktierisk).<span class=\"__14 _1ce\"> </span>Monte Carlo-simulering anv<span class=\"__14 _b_13\"/>\u00e4nds i modellen f\u00f6r kapitalkra<span class=\"__14 _b_13\"/>v f\u00f6r ytterligar<span class=\"__14 _b_13\"/>e risk (incremental risk measure) och modellen f\u00f6r samla<span class=\"__14 _b_13\"/>t riskkapitalkrav (c<span class=\"__14 _b_13\"/>omprehensive risk measure) f<span class=\"__14 _1058\"/>\u00f6r att m\u00e4ta risk<span class=\"__14 _b_13\"/>en f\u00f6r fallissemang och f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>s\u00e4mrad kreditkv<span class=\"__14 _b_13\"/>alitet<span class=\"__14 _1072\"/>.<span class=\"__14 _1ce\"> </span>Modellerna f\u00f6r v<span class=\"__14 _b_13\"/>alue-at-risk, value-a<span class=\"__14 _b_13\"/>t-risk med stresscena-<span class=\"__14 _1ce\"> </span>rio, ak<span class=\"__14 _1058\"/>tieh\u00e4ndelserisk, kapitalkra<span class=\"__14 _b_13\"/>v f\u00f6r ytterligare risk och sam-<span class=\"__14 _1ce\"> </span>lat riskkapitalkr<span class=\"__14 _1058\"/>av har alla godk\u00e4n<span class=\"__14 _b_13\"/>ts av Nordeas tidigare till<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>synsmyndighet, svenska Finansinspektionen, f<span class=\"__14 _b_13\"/>\u00f6r anv\u00e4ndning vid ber\u00e4kning a<span class=\"__14 _b_13\"/>v kapitalbaskrav f<span class=\"__14 _b_13\"/>\u00f6r marknadsrisk med hj\u00e4lp av in<span class=\"__14 _b_13\"/>terna modeller<span class=\"__14 _b_13\"/>. Samma modeller<span class=\"__14 _1058\"/>, med samma kalibre-<span class=\"__14 _1ce\"> </span>ring och inst\u00e4llningar som f<span class=\"__14 _b_13\"/>\u00f6r kapitalkrav<span class=\"__14 _b_13\"/>et enligt regelverket, anv\u00e4nds f<span class=\"__14 _b_13\"/>\u00f6r den interna riskhant<span class=\"__14 _1058\"/>eringen.<span class=\"__14 _1ce\"> </span>Schablonmetoden anv<span class=\"__14 _1058\"/>\u00e4nds f\u00f6r a<span class=\"__14 _1058\"/>tt ber\u00e4kna marknadsrisker som inte om<span class=\"__14 _b_13\"/>fattas a<span class=\"__14 _b_13\"/>v de interna modellerna. Hit h\u00f6r ex<span class=\"__14 _b_13\"/>empel-<span class=\"__14 _1ce\"> </span>vis risker a<span class=\"__14 _b_13\"/>vseende r\u00e5varur<span class=\"__14 _b_13\"/>elaterade produk<span class=\"__14 _1058\"/>ter<span class=\"__14 _b_13\"/>, speci\ufb01k risk f\u00f6r bos<span class=\"__14 _b_13\"/>tads- och statsobligationer<span class=\"__14 _1c_10\"/>, f\u00f6retagscerti\ufb01kat, hybrid-<span class=\"__14 _1ce\"> </span>instrument och kr<span class=\"__14 _b_13\"/>editspreadoptioner<span class=\"__14 _b_13\"/>. Vidare anv\u00e4nds schablon <span class=\"__14 _d_13\"/>metoden f\u00f6r ber\u00e4kning a<span class=\"__14 _b_13\"/>v aktierisk a<span class=\"__14 _b_13\"/>vseende struk-<span class=\"__14 _1ce\"> </span>turerade eget kapitalins<span class=\"__14 _b_13\"/>trument och prim\u00e4r- och supplemen-<span class=\"__14 _1ce\"> </span>t\u00e4rkapitalobligationer<span class=\"__14 _1c_10\"/>.<span class=\"__14 _1ce\"> </span>Sedan flytten till Finland i ok<span class=\"__14 _b_13\"/>tober 2018 har Nordea ett till-<span class=\"__14 _1ce\"> </span>f\u00e4lligt tills<span class=\"__14 _1058\"/>t\u00e5nd fr\u00e5n E<span class=\"__14 _b_13\"/>CB att forts\u00e4tta an<span class=\"__14 _b_13\"/>v\u00e4nda sina be\ufb01ntliga interna modeller s<span class=\"__14 _1058\"/>om godk\u00e4nts a<span class=\"__14 _b_13\"/>v den svenska Finansinspek-<span class=\"__14 _1ce\"> </span>tionen. ECB:s tillf<span class=\"__14 _b_13\"/>\u00e4lliga tillst\u00e5nd f\u00f6ruts\u00e4<span class=\"__14 _b_13\"/>tter att Nordea l\u00e4mnar in modellans\u00f6kningar till E<span class=\"__14 _1058\"/>CB f\u00f6r ett permanen<span class=\"__14 _b_13\"/>t godk\u00e4n-<span class=\"__14 _1ce\"> </span>nande. En uppdater<span class=\"__14 _1058\"/>ad ans\u00f6kan l\u00e4mnades in i mars 2021, och d\u00e4refter har de in<span class=\"__14 _b_13\"/>terna modellerna pr\u00f6vats a<span class=\"__14 _b_13\"/>v ECB. Under 2022 gjordes en rik<span class=\"__14 _1058\"/>tad pr\u00f6vning a<span class=\"__14 _b_13\"/>v modeller som inte om<span class=\"__14 _1058\"/>fa<span class=\"__14 _b_13\"/>t-<span class=\"__14 _1ce\"> </span>tades a<span class=\"__14 _1058\"/>v ans\u00f6kan 2021. E<span class=\"__14 _b_13\"/>CB:s beslut<span class=\"__14 _1072\"/>, som avser b\u00e5da de<span class=\"__14 _1058\"/>ssa pr\u00f6vningar<span class=\"__14 _1c_10\"/>, v\u00e4ntas under f<span class=\"__14 _1058\"/>\u00f6rsta halv<span class=\"__14 _1058\"/>\u00e5ret 2023.<span class=\"__14 _1ce\"> </span>R\u00e4nterisk<span class=\"__14 _b_13\"/>en i \u00f6vrig verksamhet m\u00e4ts, kontr<span class=\"__14 _b_13\"/>olleras och hante-<span class=\"__14 _1ce\"> </span>ras med hj\u00e4lp a<span class=\"__14 _b_13\"/>v tre viktiga m\u00e5tt:<span class=\"__14 _1ce\"> </span>\u2022 <span class=\"__14 _1f_10\"> </span>ekonomiskt v<span class=\"__14 _b_13\"/>\u00e4rde<span class=\"__14 _1ce\"> </span>\u2022 <span class=\"__14 _1f_10\"> </span>verkligt v\u00e4r<span class=\"__14 _1058\"/>de<span class=\"__14 _1ce\"> </span>\u2022 <span class=\"__14 _1f_10\"> </span>struk<span class=\"__14 _1058\"/>turell r\u00e4n<span class=\"__14 _b_13\"/>tenettorisk.<span class=\"__14 _1ce\"> </span>De tre olika riskm\u00e5tt<span class=\"__14 _1058\"/>en anv\u00e4nds f<span class=\"__14 _b_13\"/>\u00f6r att bed\u00f6ma olika aspekter av hur r<span class=\"__14 _b_13\"/>\u00e4nterisken yttrar sig. M\u00e5<span class=\"__14 _1058\"/>tten beskrivs n\u00e4rmare nedan.<span class=\"__14 _1ce\"> </span>Stresst<span class=\"__14 _1058\"/>ester g\u00e4llande ekonomisk<span class=\"__14 _b_13\"/>t v\u00e4rde (EV) a<span class=\"__14 _1058\"/>v eget kapi-<span class=\"__14 _1ce\"> </span>tal tar h\u00e4nsyn till f<span class=\"__14 _1058\"/>\u00f6r\u00e4ndringen i ekonomisk<span class=\"__14 _b_13\"/>t v\u00e4rde p\u00e5 till-<span class=\"__14 _1ce\"> </span>g\u00e5ngar<span class=\"__14 _b_13\"/>, skulder och r\u00e4n<span class=\"__14 _1058\"/>teb\u00e4rande deriv<span class=\"__14 _1058\"/>atinstrumen<span class=\"__14 _b_13\"/>t i \u00f6vrig verksamhet till f<span class=\"__14 _1058\"/>\u00f6ljd av r<span class=\"__14 _b_13\"/>\u00e4ntef\u00f6r<span class=\"__14 _b_13\"/>\u00e4ndringar, ober<span class=\"__14 _b_13\"/>oende av redo-<span class=\"__14 _1ce\"> </span>visningsm\u00e4ssig klassi\ufb01cering och utan a<span class=\"__14 _b_13\"/>vseende p\u00e5 kredits-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">preadar och aff</span><span class=\"__14 _b_13\"/>\u00e4r<span class=\"__14 _1072\"/>smarginaler<span class=\"__14 _b_13\"/>. Modellber\u00e4kningen g\u00f6rs uti-<span class=\"__14 _1ce\"> </span>fr\u00e5n en balansr<span class=\"__14 _b_13\"/>\u00e4kning under avveckling och omf<span class=\"__14 _b_13\"/>attar beteen-<span class=\"__14 _1ce\"> </span>demodellering f\u00f6r all inl\u00e5ning utan a<span class=\"__14 _b_13\"/>vtalad l\u00f6ptid och f\u00f6rtidsinbetalningar<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>M\u00e5ttet struk<span class=\"__14 _b_13\"/>turell r\u00e4nt<span class=\"__14 _b_13\"/>enettorisk (SIIR) visar f\u00f6r\u00e4ndringen i r\u00e4n<span class=\"__14 _1058\"/>tenettot, i f\u00f6rh\u00e5llande till ett grunds<span class=\"__14 _1058\"/>cenario, p\u00e5 ett \u00e5rs sikt. Modellen har ett antagande om en k<span class=\"__14 _1058\"/>onstan<span class=\"__14 _b_13\"/>t balansr\u00e4kning, implicita terminsr\u00e4n<span class=\"__14 _b_13\"/>tor och beteendemodellering f\u00f6r inl\u00e5ning utan avt<span class=\"__14 _b_13\"/>alad l\u00f6ptid och f\u00f6rtidsinbetalningar<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>Riskm\u00e5ttet f<span class=\"__14 _b_13\"/>\u00f6rlust vid stresst<span class=\"__14 _b_13\"/>est av verkligt v<span class=\"__14 _b_13\"/>\u00e4rde (fair value stress loss, FVSL) tar h\u00e4nsyn till den po<span class=\"__14 _b_13\"/>tentiella omv\u00e4r<span class=\"__14 _b_13\"/>derings<span class=\"ls0_14\">-<span class=\"__14 _1ce\"> </span></span>risken a<span class=\"__14 _b_13\"/>vseende positioner som redovisas till verkligt v\u00e4rde.<span class=\"__14 _1ce\"> </span>FVSL<span class=\"__14 _1c_10\"/>-, EV- och SIIR-k\u00e4nslighet<span class=\"__14 _b_13\"/>er m\u00e4ts med hj\u00e4lp av int<span class=\"__14 _b_13\"/>erna scenarier som f<span class=\"__14 _b_13\"/>astst\u00e4llts enligt ramv<span class=\"__14 _b_13\"/>erket f\u00f6r riskt<span class=\"__14 _b_13\"/>olerans, de sex s<span class=\"__14 _b_13\"/>tandardscenarierna som fas<span class=\"__14 _b_13\"/>tst\u00e4llts av Baselk<span class=\"__14 _1058\"/>ommitt\u00e9n f\u00f6r bank<span class=\"__14 _b_13\"/>tillsyn samt en rad parallella och ick<span class=\"__14 _1058\"/>e-parallella chockscenarier<span class=\"__14 _b_13\"/>. Exponeringslimiten m\u00e4ts mo<span class=\"__14 _1058\"/>t det v\u00e4rsta utfallet f<span class=\"__14 _1058\"/>r\u00e5n de in<span class=\"__14 _1058\"/>terna scenarierna enligt r<span class=\"__14 _1058\"/>amverket f<span class=\"__14 _b_13\"/>\u00f6r risk-<span class=\"__14 _1ce\"> </span>tolerans. Risk<span class=\"__14 _b_13\"/>toleransscenarierna kalibrer<span class=\"__14 _b_13\"/>as f\u00f6r att spegla all-<span class=\"__14 _1ce\"> </span>varliga men rimliga h\u00e4ndelser och ska pr\u00f6<span class=\"__14 _b_13\"/>va speci\ufb01ka expo-<span class=\"__14 _1ce\"> </span>neringar som \ufb01nns eller kan \ufb01nnas enligt godk\u00e4nt manda<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>. Scenarierna samordnas f<span class=\"__14 _b_13\"/>\u00f6r risktyperna EV<span class=\"__14 _1c_10\"/>, SIIR och FVSL<span class=\"__14 _1072\"/>.<span class=\"__14 _1ce\"> </span>Risktoler<span class=\"__14 _b_13\"/>ansscenarierna f\u00f6r verkligt v<span class=\"__14 _b_13\"/>\u00e4rde anv\u00e4nds f\u00f6r portf\u00f6ljerna i b\u00e5de \u00f6vrig verksamhet och handelslagr<span class=\"__14 _b_13\"/>et<span class=\"__14 _1072\"/>, och styrelsens risk<span class=\"__14 _b_13\"/>toleranslimit omf<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">attar den kombinerade eff</span><span class=\"__14 _b_13\"/>ek-<span class=\"__14 _1ce\"> </span>ten. Stressm\u00e5<span class=\"__14 _1058\"/>ttet f\u00f6r v<span class=\"__14 _b_13\"/>erkligt v\u00e4rde kontr<span class=\"__14 _1058\"/>olleras dagligen. Flera EV<span class=\"__14 _b_13\"/>-scenarier ber\u00e4knas dagligen som ledningsin<span class=\"__14 _b_13\"/>forma-<span class=\"__14 _1ce\"> </span>tion, och fullst\u00e4ndiga ber<span class=\"__14 _b_13\"/>\u00e4kningar och uppf\u00f6ljningar mot risk<span class=\"__14 _b_13\"/>-<span class=\"__14 _1ce\"> </span>toleranslimiter g\u00f6rs m\u00e5nadsvis. R<span class=\"__14 _1058\"/>esultatm\u00e5<span class=\"__14 _b_13\"/>ttet SIIR kontrol-<span class=\"__14 _1ce\"> </span>leras varje m\u00e5nad.<span class=\"__14 _1ce\"> </span>Ber\u00e4kningen a<span class=\"__14 _b_13\"/>v r\u00e4nterisken i \u00f6<span class=\"__14 _1058\"/>vrig verksamhet \u00e4r beroende av vik<span class=\"__14 _b_13\"/>tiga antaganden i modellerna. De mest v<span class=\"__14 _1058\"/>\u00e4sentliga an<span class=\"__14 _b_13\"/>ta-<span class=\"__14 _1ce\"> </span>gandena avser bet<span class=\"__14 _b_13\"/>eendemodelleringen f\u00f6r b\u00e5de tillg\u00e5ngar och skulder<span class=\"__14 _b_13\"/>. De olika beteenden som Nordeas l\u00e5nek<span class=\"__14 _b_13\"/>under kan uppvisa i fr<span class=\"__14 _1058\"/>\u00e5ga om f\u00f6rtidsinl\u00f6sen a<span class=\"__14 _b_13\"/>v l\u00e5n bed\u00f6ms med hj\u00e4lp av modeller f\u00f6r f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>tidsinl\u00f6sen. P\u00e5 sk<span class=\"__14 _b_13\"/>uldsidan har Nordea m\u00f6jlig-<span class=\"__14 _1ce\"> </span>het att \u00e4ndra inl\u00e5ningsr<span class=\"__14 _b_13\"/>\u00e4ntan, och kunderna har m\u00f6jlighet att n\u00e4r som helst ta ut inl\u00e5ning utan a<span class=\"__14 _b_13\"/>vtalad l\u00f6ptid. B\u00e5da dessa m\u00f6jligheter bed\u00f6ms med hj\u00e4lp a<span class=\"__14 _1058\"/>v modeller f\u00f6r inl\u00e5ning utan avtalad l<span class=\"__14 _1058\"/>\u00f6ptid. Ber\u00e4kningarna g\u00f6rs utifr<span class=\"__14 _b_13\"/>\u00e5n historiska genom-<span class=\"__14 _1ce\"> </span>snitt f\u00f6r de vik<span class=\"__14 _b_13\"/>tigaste tillg\u00e5ngs- och skuldklasserna. <span class=\"__14 _b_13\"/>Tillg\u00e5ngar och skulder grupperas utif<span class=\"__14 _b_13\"/>r\u00e5n viktiga egenskaper s\u00e5som pro-<span class=\"__14 _1ce\"> </span>dukttyp<span class=\"__14 _1058\"/>, region och kundsegmen<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>. Ant<span class=\"__14 _1058\"/>agandena grundas p\u00e5 historiska v<span class=\"__14 _b_13\"/>\u00e4rden. Modellernas tillf\u00f6rlitlighet s\u00e4kerst\u00e4lls genom regelbundna tes<span class=\"__14 _1058\"/>ter i efterhand och modellkon<span class=\"__14 _b_13\"/>troller av b\u00e5de modeller f<span class=\"__14 _b_13\"/>\u00f6r f\u00f6rtidsinl\u00f6sen och modeller f\u00f6r inl\u00e5ning utan avt<span class=\"__14 _b_13\"/>alad l\u00f6ptid.<span class=\"__14 _1ce\"> </span>Kapitalallokeringarna f<span class=\"__14 _b_13\"/>\u00f6r r\u00e4nterisk<span class=\"__14 _1058\"/>en i \u00f6vrig verksamhet enligt pelare 2 har tv\u00e5 komponen<span class=\"__14 _b_13\"/>ter: verkligt v\u00e4rde-risk och r\u00e4n<span class=\"__14 _1058\"/>tenettorisk. V<span class=\"__14 _b_13\"/>erkligt v\u00e4rde-risken a<span class=\"__14 _b_13\"/><span class=\"__14 _1ce\">vser effekt</span><span class=\"__14 _1058\"/>en p\u00e5 Nordeas egna kapital till f<span class=\"__14 _b_13\"/>\u00f6ljd av negativa f<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar i m\u00e5natliga omv<span class=\"__14 _b_13\"/>\u00e4rderingarna av v\u00e4rdet p\u00e5 positioner r<span class=\"__14 _b_13\"/>edovi-<span class=\"__14 _1ce\"> </span>sade till verkligt v\u00e4r<span class=\"__14 _1058\"/>de via antingen re<span class=\"__14 _1058\"/>sultatr<span class=\"__14 _b_13\"/>\u00e4kningen eller \u00f6vrigt tot<span class=\"__14 _1058\"/>alresulta<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/><span class=\"__14 _1ce\">. R\u00e4ntenettorisken visar eff</span><span class=\"__14 _b_13\"/>ekten a<span class=\"__14 _b_13\"/>v r\u00e4nte-<span class=\"__14 _1ce\"> </span>f\u00f6r<span class=\"__14 _b_13\"/>\u00e4ndringar p\u00e5 den framtida l\u00f6nsamheten, m\u00e4<span class=\"__14 _1058\"/>tt som modell-<span class=\"__14 _1ce\"> </span>ber\u00e4knade f<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar i r\u00e4ntenetto<span class=\"__14 _b_13\"/>t<span class=\"__14 _1072\"/>, och hur detta p\u00e5verk<span class=\"__14 _1058\"/>ar niv\u00e5n p\u00e5 de in<span class=\"__14 _1058\"/><span class=\"__14 _1ce\">terna kapitalbuff</span><span class=\"__14 _b_13\"/>er<span class=\"__14 _1072\"/>tarna.<span class=\"__14 _1ce\"> </span>Nordea \u00e4r e<span class=\"__14 _1058\"/>xponerat f<span class=\"__14 _b_13\"/>\u00f6r strukturell v<span class=\"__14 _b_13\"/>alutarisk, vilket de\ufb01-<span class=\"__14 _1ce\"> </span>nieras som brist<span class=\"__14 _1058\"/>ande \u00f6verenss<span class=\"__14 _b_13\"/>t\u00e4mmelse i valutasammans\u00e4tt-<span class=\"__14 _1ce\"> </span>ningen mellan k\u00e4rnprim\u00e4rkapitalet och riske<span class=\"__14 _b_13\"/>xponeringsbe-<span class=\"__14 _1ce\"> </span>loppen. K\u00e4rnprim\u00e4rkapitalet har huvudsakligen eur<span class=\"__14 _1058\"/>o som valuta. De enda s<span class=\"__14 _b_13\"/>t\u00f6rre beloppen i andra valutor \u00e4n eur<span class=\"__14 _b_13\"/>o avser hypoteks<span class=\"__14 _1058\"/>dotterf<span class=\"__14 _1058\"/>\u00f6retagen. V<span class=\"__14 _b_13\"/>alutakursf<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringar kan d\u00e4rf\u00f6r p\u00e5v<span class=\"__14 _b_13\"/>erka Nordeas k\u00e4rnprim\u00e4rkapitalrelation negativt. 4.4 Marknadsriskanalys<span class=\"__14 _1ce\"> </span>Marknadsrisken i Nordeas handelslager redo<span class=\"__14 _b_13\"/>visas i tabellen nedan.<span class=\"__14 _1ce\"> </span>Marknadsrisken (V<span class=\"__14 _b_13\"/>aR) uppgick i genomsnitt till 31,5 mn euro under 2022 (24,<span class=\"__14 _b_13\"/>7 mn euro i genomsnitt 2021), och drevs fr\u00e4ms<span class=\"__14 _b_13\"/>t av r\u00e4nt<span class=\"__14 _b_13\"/>erisk<span class=\"__14 _1072\"/>. V<span class=\"__14 _b_13\"/>aR med stresscenario uppgick till <span class=\"__14 _1ce\">44,9 mn euro under 2022 (38,0 mn euro i genomsnitt 2021), </span>fr\u00e4ms<span class=\"__14 _b_13\"/>t h\u00e4nf\u00f6rligt till r\u00e4n<span class=\"__14 _b_13\"/>terisk och i viss m\u00e5n kreditspreadrisk. Den h\u00f6gsta V<span class=\"__14 _1c_10\"/><span class=\"__14 _1ce\">aR-siffran noter</span><span class=\"__14 _b_13\"/>ades under andra kvartalet<span class=\"__14 _1072\"/>, och f\u00f6r V<span class=\"__14 _1c_10\"/>aR med stresscenario under f<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1072\"/>sta kvartalet. V<span class=\"__14 _b_13\"/>aR och V<span class=\"__14 _b_13\"/>aR med stresscenario p\u00e5<span class=\"__14 _b_13\"/>verkas fr\u00e4ms<span class=\"__14 _b_13\"/>t av marknadsrisken i norra E<span class=\"__14 _b_13\"/>uropa och Norden.<span class=\"__14 _1ce\"> </span>Kapitalkr<span class=\"__14 _1058\"/>av<span class=\"__14 _b_13\"/>et vid ytterligare risk (IRC) var vid utg\u00e5ngen a<span class=\"__14 _1058\"/>v 2022 betydligt l\u00e4gre \u00e4n vid utg\u00e5ngen a<span class=\"__14 _b_13\"/>v 2021. L\u00e4gst var e<span class=\"__14 _b_13\"/>xpo<span class=\"__14 _1072\"/>-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">neringen under fj\u00e4rde kvartalet 2022, och h\u00f6gst v</span><span class=\"__14 _b_13\"/>ar IRC under andra kvartalet 2022. Genomsnittligt IRC \u00f6kade j\u00e4m<span class=\"__14 _b_13\"/>f\u00f6rt med f\u00f6r<span class=\"__14 _1058\"/>eg\u00e5ende \u00e5r<span class=\"__14 _b_13\"/>.<span class=\"__14 _1ce\"> </span>Det samlade riskkapitalkra<span class=\"__14 _b_13\"/>vet (CRC) var vid ut<span class=\"__14 _1058\"/>g\u00e5ngen av 2022 h\u00f6gre \u00e4n vid utg\u00e5ngen a<span class=\"__14 _b_13\"/>v 2021. L\u00e4gst var e<span class=\"__14 _1058\"/>xponeringen <span class=\"__14 _1ce\">under fj\u00e4rde kvartalet 2022, och h\u00f6gst v</span><span class=\"__14 _b_13\"/>ar CRC under andra kvartalet 2022. Genomsnittligt CRC f\u00f6r 2022 \u00f6kade med <span class=\"__14 _1ce\">13,6 mn euro j\u00e4mf</span><span class=\"__14 _b_13\"/>\u00f6rt med 2021.<span class=\"__14 _1ce\"> </span>Marknadsrisk i handelslagret<span class=\"__14 _1ce\"> </span>1<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1be\"> </span>31 dec 2022<span class=\"__14 _1120\"> </span>2022 h\u00f6gst<span class=\"__14 _7c_6\"> </span>2022 l\u00e4gst<span class=\"__14 _1104\"> </span>2022 snitt<span class=\"__14 _1ce\"> </span>Samlad V<span class=\"__14 _b_13\"/>aR<span class=\"__14 _1bf\"> </span>33<span class=\"__14 _7a_6\"> </span><span class=\"ls14_11 ws3a_5\">51<span class=\"__14 _1229\"> </span></span>20<span class=\"__14 _7a_6\"> </span>31<span class=\"__14 _1ce\"> </span>R\u00e4nterisk<span class=\"__14 _1c0\"> </span>32<span class=\"__14 _1142\"> </span>50<span class=\"__14 _1128\"> </span>18<span class=\"__14 _7a_6\"> </span>31<span class=\"__14 _1ce\"> </span>Aktierisk<span class=\"__14 _1c1\"> </span>2<span class=\"__14 _7a_6\"> </span>12<span class=\"__14 _1250\"> </span>2<span class=\"__14 _1219\"> </span>5<span class=\"__14 _1ce\"> </span>Kreditspreadrisk<span class=\"__14 _1c2\"> </span>7<span class=\"__14 _7a_6\"> </span>12<span class=\"__14 _1250\"> </span>3<span class=\"__14 _1250\"> </span>7<span class=\"__14 _1ce\"> </span>V<span class=\"__14 _b_13\"/>alutarisk<span class=\"__14 _1bd\"> </span>2<span class=\"__14 _1219\"> </span>5<span class=\"__14 _1140\"> </span>1<span class=\"__14 _1219\"> </span>2<span class=\"__14 _1ce\"> </span>Inflationsrisk<span class=\"__14 _1c3\"> </span>2<span class=\"__14 _1219\"> </span>3<span class=\"__14 _1140\"> </span>1<span class=\"__14 _1250\"> </span>2<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Diversi\ufb01eringseffek</span><span class=\"__14 _b_13\"/>t<span class=\"__14 _1ba\"> </span>27<span class=\"__14 _7a_6\"> </span><span class=\"ls14_11 ws3a_5\">51<span class=\"__14 _7a_6\"> </span></span>16<span class=\"__14 _1128\"> </span>32<span class=\"__14 _1ce\"> </span>Samlad V<span class=\"__14 _b_13\"/>aR, stresscenario<span class=\"__14 _1c4\"> </span>45<span class=\"__14 _1142\"> </span>69<span class=\"__14 _1229\"> </span>32<span class=\"__14 _1128\"> </span>47<span class=\"__14 _1ce\"> </span>Kapitalkra<span class=\"__14 _b_13\"/>v vid ytterligare risk (IRC)<span class=\"__14 _1c5\"> </span>9<span class=\"__14 _1142\"> </span>45<span class=\"__14 _1250\"> </span>7<span class=\"__14 _1229\"> </span>26<span class=\"__14 _1ce\"> </span>Samlat riskkapitalkra<span class=\"__14 _b_13\"/>v (CRC)<span class=\"__14 _17a\"> </span>27<span class=\"__14 _1128\"> </span>47<span class=\"__14 _1128\"> </span>18<span class=\"__14 _1229\"> </span>33<span class=\"__14 _1ce\"> </span>1)  Aktieh\u00e4ndelserisk<span class=\"__14 _1058\"/>en uppgick till 0,2 mn euro vid utg\u00e5ngen av 2022.<span class=\"__14 _1ce\"> </span>Marknadsrisk i \u00f6vrig verksamhet<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1c6\"> </span>31 dec 2022<span class=\"__14 _1120\"> </span>2022 h\u00f6gst<span class=\"__14 _7c_6\"> </span>2022 l\u00e4gst<span class=\"__14 _1104\"> </span>2022 snitt<span class=\"__14 _1ce\"> </span>Samlad V<span class=\"__14 _b_13\"/>aR<span class=\"__14 _1c7\"> </span>123<span class=\"__14 _16f\"> </span><span class=\"ls14_11 ws3a_5\">146<span class=\"__14 _1229\"> </span><span class=\"ls1b_8 ws41_5\">43<span class=\"__14 _1229\"> </span><span class=\"ls18_10 ws3e_5\">97<span class=\"__14 _1ce\"> </span></span></span></span>Marknadsrisk i handelslagret<span class=\"__14 _1ce\"> </span>1<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1c2\"> </span>31 dec 2021<span class=\"__14 _7b_6\"> </span>2021 h\u00f6gst<span class=\"__14 _a1_6\"> </span>2021 l\u00e4gst<span class=\"__14 _1129\"> </span>2021 snitt<span class=\"__14 _1ce\"> </span>Samlad V<span class=\"__14 _b_13\"/>aR<span class=\"__14 _1bf\"> </span>35<span class=\"__14 _1142\"> </span>46<span class=\"__14 _7a_6\"> </span>15<span class=\"__14 _1229\"> </span><span class=\"ls1e_7 ws44_4\">25<span class=\"__14 _1ce\"> </span></span>R\u00e4nterisk<span class=\"__14 _1c0\"> </span>37<span class=\"__14 _1128\"> </span>47<span class=\"__14 _1128\"> </span><span class=\"ls14_11 ws3a_5\">14<span class=\"__14 _1229\"> </span></span>26<span class=\"__14 _1ce\"> </span>Aktierisk<span class=\"__14 _1c1\"> </span>3<span class=\"__14 _1128\"> </span>22<span class=\"__14 _1219\"> </span>2<span class=\"__14 _1250\"> </span>5<span class=\"__14 _1ce\"> </span>Kreditspreadrisk<span class=\"__14 _1be\"> </span>4<span class=\"__14 _1128\"> </span>19<span class=\"__14 _1219\"> </span>3<span class=\"__14 _1128\"> </span>10<span class=\"__14 _1ce\"> </span>V<span class=\"__14 _b_13\"/>alutarisk<span class=\"__14 _1c8\"> </span>1<span class=\"__14 _1250\"> </span>7<span class=\"__14 _1140\"> </span>1<span class=\"__14 _1219\"> </span>2<span class=\"__14 _1ce\"> </span>Inflationsrisk<span class=\"__14 _1c3\"> </span>2<span class=\"__14 _1219\"> </span>4<span class=\"__14 _1250\"> </span>1<span class=\"__14 _1250\"> </span>2<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">Diversi\ufb01eringseffek</span><span class=\"__14 _b_13\"/>t<span class=\"__14 _1c9\"> </span><span class=\"ls16_11 ws3c_5\">24<span class=\"__14 _1229\"> </span></span>65<span class=\"__14 _1128\"> </span>22<span class=\"__14 _1142\"> </span>45<span class=\"__14 _1ce\"> </span>Samlad V<span class=\"__14 _b_13\"/>aR, stresscenario<span class=\"__14 _1bc\"> </span>44<span class=\"__14 _1128\"> </span><span class=\"ls1c_8 ws42_5\">72<span class=\"__14 _1229\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1142\"> </span></span></span>38<span class=\"__14 _1ce\"> </span>Kapitalkra<span class=\"__14 _b_13\"/>v vid ytterligare risk (IRC)<span class=\"__14 _18c\"> </span><span class=\"ls14_11 ws3a_5\">17<span class=\"__14 _1128\"> </span></span>33<span class=\"__14 _7a_6\"> </span>12<span class=\"__14 _1229\"> </span>20<span class=\"__14 _1ce\"> </span>Samlat riskkapitalkra<span class=\"__14 _b_13\"/>v (CRC)<span class=\"__14 _17a\"> </span><span class=\"ls1b_8 ws41_5\">23<span class=\"__14 _1128\"> </span></span>37<span class=\"__14 _1128\"> </span>10<span class=\"__14 _1128\"> </span>19<span class=\"__14 _1ce\"> </span>1)  Aktieh\u00e4ndelserisk<span class=\"__14 _1058\"/>en uppgick till 0,3 mn euro vid utg\u00e5ngen av 2021.<span class=\"__14 _1ce\"> </span>Marknadsrisk i \u00f6vrig verksamhet<span class=\"__14 _1ce\"> </span>Mn euro<span class=\"__14 _1ca\"> </span>31 dec 2021<span class=\"__14 _7b_6\"> </span>2021 h\u00f6gst<span class=\"__14 _a1_6\"> </span>2021 l\u00e4gst<span class=\"__14 _1129\"> </span>2021 snitt<span class=\"__14 _1ce\"> </span>Samlad V<span class=\"__14 _b_13\"/>aR<span class=\"__14 _1cb\"> </span>69<span class=\"__14 _b8_6\"> </span>122<span class=\"__14 _1128\"> </span>61<span class=\"__14 _1142\"> </span>88<span class=\"__14 _1ce\"> </span>V<span class=\"__14 _b_13\"/>alutarisken i \u00f6vrig verksamhet har is<span class=\"__14 _b_13\"/>t\u00e4llet \u00f6kat till f\u00f6ljd a<span class=\"__14 _b_13\"/>v en<span class=\"__14 _1ce\"> </span>l\u00e5ng dollarposition som byggts p\u00e5 under \u00e5r<span class=\"__14 _b_13\"/>et<span class=\"__14 _1072\"/>, dock med<span class=\"__14 _1ce\"> </span>begr\u00e4nsad p\u00e5<span class=\"__14 _b_13\"/>verkan p\u00e5 samlat V<span class=\"__14 _b_13\"/>aR tack vare diversi\ufb01erings-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">effek</span><span class=\"__14 _b_13\"/>ter<span class=\"__14 _b_13\"/>. Den samlade marknadsrisken i \u00f6vrig verksamhet h\u00e5l-<span class=\"__14 _1ce\"> </span>ler sig inom Nordeas risk<span class=\"__14 _1058\"/>tolerans.<span class=\"__14 _1ce\"> </span>A<span class=\"__14 _b_13\"/>v de interna str<span class=\"__14 _1058\"/>esscenarier f<span class=\"__14 _b_13\"/>\u00f6r verkligt v\u00e4rde som ing\u00e5r i<span class=\"__14 _1ce\"> </span>ramv<span class=\"__14 _1058\"/>erket f<span class=\"__14 _1058\"/>\u00f6r risktoler<span class=\"__14 _b_13\"/>ans var det vid \u00e5rets slut scenariot<span class=\"__14 _1ce\"> </span>Nordic Housing Crisis som orsakade den st\u00f6rst<span class=\"__14 _b_13\"/>a f\u00f6rlusten i<span class=\"__14 _1ce\"> </span>verkligt v\u00e4r<span class=\"__14 _1058\"/>de-delen av \u00f6vrig v<span class=\"__14 _b_13\"/>erksamhet<span class=\"__14 _1072\"/>, d\u00e4r potentiellt<span class=\"__14 _1ce\"> </span>\u00f6kade r\u00e4n<span class=\"__14 _b_13\"/>teskillnader p\u00e5 nordiska hypoteksl\u00e5n och s<span class=\"__14 _1058\"/>tatsobli-<span class=\"__14 _1ce\"> </span>gationer sp\u00e4dde p\u00e5 b\u00f6rsnedg\u00e5ngen, vilket skulle ge en f<span class=\"__14 _b_13\"/>\u00f6rlust<span class=\"__14 _1ce\"> </span>p\u00e5 465 mn euro (505 mn euro f<span class=\"__14 _b_13\"/>\u00f6reg\u00e5ende \u00e5r) i verkligt v\u00e4rde-<span class=\"__14 _1ce\"> </span>delen av \u00f6<span class=\"__14 _b_13\"/>vrig verksamhet<span class=\"__14 _1072\"/>. \u00d6vrig verksamhet har vanligtvis<span class=\"__14 _1ce\"> </span>en l\u00e5ng position i hypoteksl\u00e5n och s<span class=\"__14 _b_13\"/>tatsobligationer i likvidi-<span class=\"__14 _1ce\"> </span><span class=\"__14 _1ce\">tetsbufferten och en l\u00e5ng position i ak</span><span class=\"__14 _b_13\"/>tier genom sina l\u00e5ng-<span class=\"__14 _1ce\"> </span>fristiga illikvida inneha<span class=\"__14 _b_13\"/>v<span class=\"__14 _b_13\"/>, vilket f\u00f6rklarar f<span class=\"__14 _b_13\"/>\u00f6rlusten i det h\u00e4r<span class=\"__14 _1ce\"> </span>v\u00e4rsta sc<span class=\"__14 _1058\"/>enariot.<span class=\"__14 _1ce\"> </span>4.5 Struktur<span class=\"__14 _1058\"/>ell r\u00e4n<span class=\"__14 _1058\"/>tenettorisk (SIIR)/<span class=\"__14 _b_13\"/>ekonomiskt v<span class=\"__14 _1058\"/>\u00e4rde (EV)<span class=\"__14 _1ce\"> </span>Nordeas upplysningar om r<span class=\"__14 _b_13\"/>\u00e4nterisk i \u00f6vrig verksamhet f<span class=\"__14 _b_13\"/>\u00f6ljer<span class=\"__14 _1ce\"> </span>kra<span class=\"__14 _b_13\"/>ven i Pelare 3. F<span class=\"__14 _b_13\"/>\u00f6r\u00e4ndringen i ekonomiskt v\u00e4r<span class=\"__14 _b_13\"/>de f\u00f6r posi-<span class=\"__14 _1ce\"> </span>tioner i \u00f6vrig verksamhet till f<span class=\"__14 _b_13\"/>\u00f6ljd av r\u00e4n<span class=\"__14 _b_13\"/>tef\u00f6r\u00e4ndringar har<span class=\"__14 _1ce\"> </span>bed\u00f6mts i enlighet med myndighet<span class=\"__14 _b_13\"/>ernas sex r\u00e4nt<span class=\"__14 _b_13\"/>echocksce-<span class=\"__14 _1ce\"> </span>narier<span class=\"__14 _b_13\"/>, och r\u00e4ntenett<span class=\"__14 _b_13\"/>ot i \u00f6vrig verksamhet under en 12-m\u00e5na-<span class=\"__14 _1ce\"> </span>dersperiod har bed\u00f6mts i enlighet med de tv\u00e5 par<span class=\"__14 _b_13\"/>allella f\u00f6r-<span class=\"__14 _1ce\"> </span>\u00e4ndringarna, som b\u00e5da de\ufb01nierats a<span class=\"__14 _b_13\"/>v Eur<span class=\"__14 _b_13\"/>opeiska bankmyn-<span class=\"__14 _1ce\"> </span>digheten. Vid \u00e5rets slut uppgick den h\u00f6gs<span class=\"__14 _b_13\"/>ta f\u00f6rlusten i<span class=\"__14 _1ce\"> </span>ekonomiskt v<span class=\"__14 _b_13\"/>\u00e4rde till 1 230 mn euro i \u201dparallellf\u00f6rskjutning<span class=\"__14 _1ce\"> </span>ned\u00e5t\u201d-scenariot och den h\u00f6gsta f<span class=\"__14 _b_13\"/>\u00f6rlusten i r\u00e4n<span class=\"__14 _b_13\"/>tenettot under<span class=\"__14 _1ce\"> </span>ett \u00e5r var 1 295 mn euro<span class=\"__14 _1058\"/>, \u00e4v<span class=\"__14 _b_13\"/>en h\u00e4r i \u201dparallellf\u00f6rskjutning<span class=\"__14 _1ce\"> </span>ned\u00e5t\u201d-scenariot.<span class=\"__14 _1ce\"> </span>4.6 \u00d6vrig marknadsrisk \u2013 pensionsrisk<span class=\"__14 _1ce\"> </span>Pensionsrisk (inklusiv<span class=\"__14 _b_13\"/>e marknads- och livsfallsrisk) uppst\u00e5r i<span class=\"__14 _1ce\"> </span>samband med f\u00f6rm\u00e5nsbes<span class=\"__14 _b_13\"/>t\u00e4mda pensioner f\u00f6r Nordeas tidi-<span class=\"__14 _1ce\"> </span>gare och nuvar<span class=\"__14 _b_13\"/>ande medarbetare. Pensionsplanernas f\u00f6r-<span class=\"__14 _1ce\"> </span>m\u00e5ga att klara de planer<span class=\"__14 _b_13\"/>ade pensionsutbetalningarna upp<span class=\"__14 _1072\"/>-<span class=\"__14 _1ce\"> </span>r\u00e4tth\u00e5lls genom plac<span class=\"__14 _1058\"/>eringar och l\u00f6pande inbetalning till<span class=\"__14 _1ce\"> </span>planerna.<span class=\"__14 _1ce\"> </span>Som pensionsrisker r\u00e4knas s<span class=\"__14 _1058\"/>tigande v\u00e4rde p\u00e5 sk<span class=\"__14 _1058\"/>ulderna<span class=\"__14 _1ce\"> </span>eller sjunkande v\u00e4rde p\u00e5 tillg\u00e5ngarna. Dessa risk<span class=\"__14 _b_13\"/>er rapporte-<span class=\"__14 _1ce\"> </span>ras och f<span class=\"__14 _b_13\"/>\u00f6ljs upp regelbundet och innefattar \u00e4<span class=\"__14 _b_13\"/>ven olika del-<span class=\"__14 _1ce\"> </span>komponent<span class=\"__14 _b_13\"/>er av marknadsrisken, till ex<span class=\"__14 _b_13\"/>empel r\u00e4nte-, in<span class=\"__14 _b_13\"/>fla-<span class=\"__14 _1ce\"> </span>tions-, kreditspread-, f<span class=\"__14 _b_13\"/>astighets- och aktierisk. I syfte att<span class=\"__14 _1ce\"> </span>begr\u00e4nsa Nordeas risker \ufb01nns limit<span class=\"__14 _b_13\"/>er f\u00f6r poten<span class=\"__14 _1058\"/>tiella f\u00f6rlus<span class=\"__14 _b_13\"/>ter<span class=\"__14 _1ce\"> </span>under allvarliga men rimliga s<span class=\"__14 _b_13\"/>tressh\u00e4ndelser och limiter f\u00f6r<span class=\"__14 _1ce\"> </span>kapitalutnyttjande. Dessut<span class=\"__14 _b_13\"/>om g\u00f6r<span class=\"__14 _1072\"/>s regelbundna granskningar<span class=\"__14 _1ce\"> </span>av planernas s<span class=\"__14 _b_13\"/>trategiska tillg\u00e5ngsf<span class=\"__14 _1058\"/>\u00f6rdelning f<span class=\"__14 _1058\"/>\u00f6r att s\u00e4kerst\u00e4lla<span class=\"__14 _1ce\"> </span>att placeringsinrik<span class=\"__14 _b_13\"/>tningen speglar Nordeas risktolerans. F<span class=\"__14 _b_13\"/>\u00f6r<span class=\"__14 _1ce\"> </span>ytterligare in<span class=\"__14 _1058\"/>forma<span class=\"__14 _b_13\"/>tion, se not K8.<span class=\"__14 _1072\"/>2.<span class=\"__14 _1ce\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMarketRiskExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-768": {
   "value": "8. Likviditetsrisk Nordea fortsatte under 2022 att dra nytta av sin v\u00e4l avv\u00e4gda hantering av likviditetsrisk, med en fortsatt diversi\ufb01erad och stark \ufb01nansieringsbas och en diversi\ufb01erad likviditetsbuffert. Nordea hade en stark likviditetsposition under hela \u00e5ret. Under 2022 emitterade Nordea cirka 32,8 md euro i l\u00e5ng- fristig skuld, exklusive danska s\u00e4kerst\u00e4llda obligationer, varav cirka 16,6 md euro i form av s\u00e4kerst\u00e4llda obligationer och 16,2 md euro i form av seniora obligationer. Nordea uppfyllde under hela 2022 kraven g\u00e4llande likvidi- tetst\u00e4ckningsgrad (LCR) i alla valutor tillsammans och den stabila netto\ufb01nansieringskvoten (NSFR). Under 2021 tog Nordea del av olika centralbanksfaciliteter p\u00e5 nationell niv\u00e5, bland annat ECB:s riktade l\u00e5ngfristiga re\ufb01- nansieringsprogram (TLTRO-programmen). Vid utg\u00e5ngen av 2022 hade Nordea 10 md euro utest\u00e5ende inom TLTRO III- programmet, efter en \u00e5terbetalning av 2 md euro under \u00e5ret. Nordea redovisar TLTRO-uppl\u00e5ningen som en \ufb01nansiell skuld med r\u00f6rlig r\u00e4nta enligt IFRS 9. ECB:s viktade genom- snittliga r\u00e4nta blev positiv under fj\u00e4rde kvartalet och Nordea redovisade d\u00e4rmed en r\u00e4ntekostnad f\u00f6r sina TLTRO III-l\u00e5n. Under de tre f\u00f6rsta kvartalen var samma r\u00e4nta negativ, vilket innebar att Nordea d\u00e5 redovisade negativ r\u00e4ntekostnad. R\u00e4n- tesatsen under fj\u00e4rde kvartalet var 0,42 procent (viktat genomsnitt \u00f6ver tid och f\u00f6r viktat nominellt belopp) och h\u00f6jde Nordeas r\u00e4ntekostnad med 12 mn euro. Den negativa r\u00e4ntan under de f\u00f6rsta tre kvartalen var -0,48 procent, vilket h\u00f6jde Nordeas r\u00e4nteint\u00e4kter med 43 mn euro, exklusive effek- ten av att gr\u00e4nsv\u00e4rdet f\u00f6r utl\u00e5ning uppn\u00e5ddes vid utg\u00e5ngen av 2021. 61 mn euro frigjordes n\u00e4r Nordea med tillr\u00e4cklig s\u00e4kerhet kunde fastst\u00e4lla att gr\u00e4nsv\u00e4rdet f\u00f6r utl\u00e5ning 2021 hade uppn\u00e5tts. Nordea justerade d\u00e4rmed den effektiva r\u00e4ntan och till\u00e4mpade retroaktivt den ytterligare rabatten p\u00e5 0,5 pro- cent p\u00e5 den r\u00e4nta som betalats sedan 24 juni 2021. F\u00f6r hel\u00e5ret 2022 var r\u00e4ntekostnaden negativ och h\u00f6jde Nordeas r\u00e4nte- netto med 92 mn euro. 8.1 De\ufb01nition och identi\ufb01ering av likviditetsrisk Likviditetsrisk \u00e4r risken att Nordea inte kan fullg\u00f6ra sina kas- safl\u00f6des\u00e5taganden vid f\u00f6rfall, eller inte kan fullg\u00f6ra dem utan att betala ett oh\u00e5llbart h\u00f6gt pris eller ytterligare \ufb01nansie- ringskostnader. Nordea \u00e4r exponerad f\u00f6r likviditetsrisk inom utl\u00e5ning, placeringar, uppl\u00e5ning, \u00e5taganden utanf\u00f6r balans- r\u00e4kningen och annan verksamhet som ger underskott i kas- safl\u00f6det. Underskott i kassafl\u00f6det kan uppst\u00e5 vid dagens slut eller under dagen. 8.2 Ledningsprinciper och kontroll Likviditetsrisk i Nordea hanteras utifr\u00e5n tre f\u00f6rsvarslinjer: \u2022  F\u00f6rsta f\u00f6rsvarslinjen utg\u00f6rs av Group Treasury och aff\u00e4r- somr\u00e5dena. Group Treasury ansvarar f\u00f6r den dagliga han- teringen av koncernens likviditetspositioner, likviditets- buffertar, extern och intern \ufb01nansiering, med bland annat f\u00f6rflyttning av kontanta medel inom koncernen, samt internpriss\u00e4ttning. \u2022  Den andra f\u00f6rsvarslinjen, Group Risk, ansvarar f\u00f6r en oberoende kontroll och pr\u00f6vning av den f\u00f6rsta f\u00f6rsvarslinjen. \u2022  Den tredje f\u00f6rsvarslinjen utg\u00f6rs av Group Internal Audit, som har ett oberoende kontrollansvar f\u00f6r f\u00f6rsta och andra f\u00f6rsvarslinjen. Styrelsen de\ufb01nierar risktoleransen p\u00e5 likviditetsomr\u00e5det genom att fastst\u00e4lla gr\u00e4nsv\u00e4rden f\u00f6r olika likviditetsm\u00e5tt. Det viktigaste m\u00e5ttet \u00e4r likviditetshorisonten under stress, som anger risktoleransen genom att fastst\u00e4lla en \u00f6verlevnadspe- riod p\u00e5 minst 90 dagar under Nordeaspeci\ufb01ka och marknads- omfattande stresscenarier, och med de\ufb01nierade riskbegr\u00e4n- sande \u00e5tg\u00e4rder. Nordea har ramverk med limiter och kontrollm\u00e5tt f\u00f6r att s\u00e4kerst\u00e4lla att banken h\u00e5ller sig inom olika riskparametrar, bland annat risktoleransen. Det \ufb01nns ocks\u00e5 ett system f\u00f6r internpriss\u00e4ttning som tar h\u00e4nsyn till att likviditet \u00e4r en knapp och dyrbar resurs. Likvidi- teten och \ufb01nansieringskostnaderna (och f\u00f6rdelarna) kvanti\ufb01- eras och allokeras till respektive aff\u00e4rsomr\u00e5de p\u00e5 ett s\u00e4tt som fr\u00e4mjar korrekt agerande och korrekta strategiska beslut. 8.3 Strategi f\u00f6r hantering av likviditetsrisk Nordeas strategi f\u00f6r likviditetsriskhantering bygger p\u00e5 risk- principer som i sin tur resulterar i olika \u00e5tg\u00e4rder, limiter och rutiner f\u00f6r likviditetsrisk. Hanteringen av likviditetsrisk ska s\u00e4kerst\u00e4lla att Nordea alltid kan fullg\u00f6ra sina kassafl\u00f6des\u00e5taganden, \u00e4ven p\u00e5 intra- dagsbasis, i alla konjunkturl\u00e4gen och under perioder av stress. Nordea str\u00e4var efter diversi\ufb01erad \ufb01nansiering och f\u00f6r- s\u00f6ker bygga upp och underh\u00e5lla relationer med investerare f\u00f6r att s\u00e4kerst\u00e4lla tillg\u00e5ng till marknaden. Nordeas breda och diversi\ufb01erade \ufb01nansieringsbas speglar koncernens starka  st\u00e4llning p\u00e5 de fyra hemmamarknaderna, med en stark och  stabil kundbas inom retail och en m\u00e4ngd olika \ufb01nansierings- program. Finansieringsprogrammen \u00e4r b\u00e5de kortfristiga  (amerikanska och europeiska f\u00f6retagscerti\ufb01kat, och bankcer- ti\ufb01kat) och l\u00e5ngfristiga (s\u00e4kerst\u00e4llda obligationer, European/ Global Medium Term Notes) och omfattar flera olika valutor. F\u00f6rtroende \u00e4r grundl\u00e4ggande p\u00e5 uppl\u00e5ningsmarknaden,  och d\u00e4rf\u00f6r publicerar Nordea fortl\u00f6pande information om  koncernens likviditetssituation. Vidare genomf\u00f6r Nordea  regelbundna stresstester p\u00e5 likviditetspositionen f\u00f6r att iden- ti\ufb01era relevanta riskfaktorer. Det \ufb01nns ocks\u00e5 beredskapspla- ner f\u00f6r hantering av likviditetskriser. 8.4 M\u00e4tning av likviditetsrisk Nordea har en likviditetsbuffert f\u00f6r att s\u00e4kerst\u00e4lla \ufb01nansiering  i situationer d\u00e4r koncernen \u00e4r i tvingande behov av kontanta  medel och de normala \ufb01nansieringsk\u00e4llorna inte r\u00e4cker till.  Likviditetsbufferten utg\u00f6rs av h\u00f6glikvida v\u00e4rdepapper av god  kreditkvalitet som centralbankerna godtar som s\u00e4kerhet lik- som av tillgodohavanden hos centralbanker. Dessa tillg\u00e5ngar  kan snabbt s\u00e4ljas eller anv\u00e4ndas som s\u00e4kerhet vid \ufb01nansie- ring. Riskhanteringen \u00e4r inriktad p\u00e5 b\u00e5de kortsiktig och struktu- rell l\u00e5ngsiktig likviditetsrisk. Likviditetsrisken begr\u00e4nsas av  styrelsen med hj\u00e4lp av m\u00e5tt f\u00f6r intern likviditetst\u00e4ckning och  likviditetshorisont under stress som anger att likviditetsbuf- ferten ska vara tillr\u00e4cklig f\u00f6r att t\u00e4cka stora ackumulerade  utfl\u00f6den vid \ufb01nansiell stress under de f\u00f6rsta nittio dagarna  om Nordea uts\u00e4tts f\u00f6r en marknadsomfattande stress lik- nande den som m\u00e5nga banker genomgick 2007\u20132008; och en  Nordeaspeci\ufb01k stress motsvarande en s\u00e4nkning av kreditbe- tyget med tre steg. Dessa m\u00e5tt bildar underlag f\u00f6r Nordeas  tolerans i fr\u00e5ga om likviditetsrisk, och de granskas och god- k\u00e4nns av styrelsen minst en g\u00e5ng om \u00e5ret. Likviditetsrisktole- ransen best\u00e4ms ocks\u00e5 av kraven g\u00e4llande likviditetst\u00e4ck- ningsgrad (LCR) och stabil netto\ufb01nansieringskvot (NSFR). Den kortfristiga \ufb01nansieringsrisken m\u00e4ts med hj\u00e4lp av LCR  och \u00e4ven genom ett riskm\u00e5tt f\u00f6r \ufb01nansieringsbehovet. Det  h\u00e4r riskm\u00e5ttet visar det maximalt f\u00f6rv\u00e4ntade ackumulerade  behovet av likvida medel under de n\u00e4rmaste 30 dagarna. Ris- ken g\u00e4llande \ufb01nansieringsbehovet m\u00e4ts och begr\u00e4nsas f\u00f6r  varje enskild valuta och f\u00f6r alla valutor sammanlagt.  Den strukturella likviditetsrisken i Nordea m\u00e4ts med hj\u00e4lp  av m\u00e5nga olika m\u00e5tt, varav NSFR \u00e4r det vanligaste. NSFR  kompetteras med det internt de\ufb01nierade m\u00e5ttet nettobalans- kvot av stabil uppl\u00e5ning. Dessutom f\u00f6ljs kvoten f\u00f6r utl\u00e5ning/ likviditetsriskpro\ufb01l upp noga, tillsammans med Nordeas upp- l\u00e5ningspro\ufb01l och externa kreditbetyg.  8.5 Analys av likviditetsrisk Nordea forts\u00e4tter att ha en tydlig och konservativ likviditets- riskpro\ufb01l, med en stark uppl\u00e5ningsbas. Vid utg\u00e5ngen av 2022  uppgick utnyttjad volym i certi\ufb01katsprogrammen till 50,9 md  euro (38,2 md euro), med en genomsnittlig \u00e5terst\u00e5ende l\u00f6ptid  p\u00e5 0,3 \u00e5r (0,4 \u00e5r). Volymen i de l\u00e5ngfristiga programmen upp- gick till 138,3 md euro (144,3 md euro), med en genomsnittlig  \u00e5terst\u00e5ende l\u00f6ptid p\u00e5 6,3 \u00e5r (7,3 \u00e5r). Nordeas \ufb01nansieringsk\u00e4l- lor framg\u00e5r av tabellen nedan. Likviditetsriskpositionen var fortsatt stark under hela 2022.  Likviditetshorisonten under stress var till 1 095 dagar vid  utg\u00e5ngen av 2022 (1 095 dagar), med ett \u00e5rsgenomsnitt  p\u00e5 1 084 dagar (753 dagar). Koncernens nedre gr\u00e4ns \u00e4r  90 dagar. \u00c5rsgenomsnittet f\u00f6r \ufb01nansieringsbehovet uppgick till  +51,8 md euro (+44,9 md euro), att j\u00e4mf\u00f6ra med gr\u00e4nsv\u00e4rdet  som \u00e4r \u201315 md euro. Nordeas likviditetsbuffert uppgick under  2022 till mellan 111,9 md euro och 141,2 md euro (92,1 md euro  och 145,2 md euro), med ett genomsnitt p\u00e5 126,9 md euro  (122,8 md euro). Den kombinerade LCR f\u00f6r Nordeakoncernen uppgick till  162 procent vid utg\u00e5ngen av 2022 (160 procent), och \u00e5rsge- nomsnittet var 152 procent (152 procent). Vid utg\u00e5ngen av  2022 uppgick LCR i euro till 149 procent (143 procent) och i  dollar till 177 procent (169 procent). \u00c5rsgenomsnittet var  186 procent (228 procent) respektive 202 procent (174 pro- cent). Vid utg\u00e5ngen av 2022 uppgick NSFR till 115,6 procent  (111,1 procent). Finansieringsk\u00e4llor, 31 december 2022 Typ av skuld R\u00e4ntebas Snitt  l\u00f6ptid (\u00e5r) Mn euro Skulder till kreditinstitut Kortare \u00e4n 3 m\u00e5nader  Euribor, etc. 0,1 21 854 L\u00e4ngre \u00e4n 3 m\u00e5nader Euribor, etc. 0,9 11 015 In- och uppl\u00e5ning fr\u00e5n  allm\u00e4nheten Avistainl\u00e5ning Administrativ 0,0 182 855 \u00d6vrig inl\u00e5ning Euribor, etc. 0,2 34 609 Emitterade v\u00e4rdepapper Bankcerti\ufb01cat Euribor, etc. 0,3 36 930 F\u00f6retagscerti\ufb01kat Euribor, etc. 0,4 13 991 S\u00e4kerst\u00e4llda hypoteksobligationer Fast r\u00e4nta,  marknads baserad 7,1 105 354 \u00d6vriga obligationsl\u00e5n Fast r\u00e4nta,  marknadsbaserad 3,3 27 526 F\u00f6r\u00e4ndring av verkligt v\u00e4rde  f\u00f6r r\u00e4ntes\u00e4krade poster -3 998 Derivatinstrument 40 102 \u00d6vriga icke r\u00e4nteb\u00e4rande  skulder 60 203 Efterst\u00e4llda skulder  F\u00f6rlagsl\u00e5n som ing\u00e5r  i supplement\u00e4rt kapital Fast r\u00e4nta,  marknadsbaserad 8,8 3 305  Eviga f\u00f6rlagsl\u00e5n som ing\u00e5r i  k\u00e4rn- och prim\u00e4rkapital Fast r\u00e4nta,  marknadsbaserad 2 600 F\u00f6r\u00e4ndring av verkligt v\u00e4rde  f\u00f6r r\u00e4ntes\u00e4krade poster -504 Eget kapital 31 404 Summa 567 246 Skulder till  f\u00f6rs\u00e4kringstagare 27 598 Summa, inklusive  livf\u00f6rs\u00e4kringsr\u00f6relsen 594 844 Stabil netto\ufb01nansieringskvot (NSFR) Md euro 31 dec 2022 31 dec 2021 Tillg\u00e4nglig stabil \ufb01nansiering 313,5 311,8 Behov av stabil \ufb01nansiering 271,1 280,5 Stabil netto\ufb01nansiering 42,4 31,2 Stabil nettofinansieringskvot 1 115,6 % 111,1 % 1)  I enlighet med CRR II . ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLiquidityRiskExplanatory",
    "language": "sv",
    "entity": "scheme:529900ODI3047E2LIV03",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  }
 }
}